{"metadata":{"transaction_key":"deprecated","request_id":"a0cfa4e6-7711-43ce-9c04-2aa6e771a01e","sha256":"e21209057afddd9405ca3f006008840754c58f225fd117f5c0cb136bb5b8bbf5","created":"2026-03-19T02:05:34.465Z","duration":1976.4719,"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":7909,"output_tokens":117},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8869,"output_tokens":8886},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":8869,"output_tokens":734}},"results":{"channels":[{"alternatives":[{"transcript":"Hi, Tyler. It's Dana from OQ Financial. How are you today? I'm very well. Thank you. I had you booked in to run through your updated advice document. Is now a good time for you? Yep. Perfect. How is everything going? Yeah. What's been happening? Congratulations. Oh, a little boy. That is beaut I know you were waiting. It was, like, coming, so that's fantastic. I'm so excited. Oh, Yep. Beautiful. Oh, that's amazing. And how's everyone settling into having two kids? Big change. Yeah. No. That's perfect. I understand that. Yeah. Definitely. But it's still a beautiful time, though, isn't it? Like, you don't get those moments back. Yeah. Oh, fantastic. Tyler, I do wanna send the email through so you've got the advice document in front of you. Do you have access to your emails there at the moment? Yep. Perfect. I'll just press send on that one for you. Beautiful. So sorry. I'm losing my voice a little bit this morning. So if I stop and pause or clear my throat, I do apologize in advance. Yeah. I've just sent that one through. Now moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that through the rest of the call? Yep. Beautiful. And I'll do security day with you as well. Just get you to confirm your full name, your date of birth, and address I should have on file. Perfect. Thank you so much for that. Now the email should come through fairly quickly. I'm just opening it back up on my end. Although technology doesn't always like this, so we'll see how it goes. You're right. Oh, that's okay. If you can't look at it, I can always just run through it for you, and then you're welcome to review it later and let me know if you have any questions because I do want you to make through it as well. What would you like me to sort of do? Did you wanna open it first, or did you want me just to run through it? Yep. Yeah. Perfect. When you got some time later, lay down with Bob, have a bit of a read while you're nursing Bob. Sounds good. Absolutely. Although it's different free time, isn't it? It's like you're sitting around doing nothing, but you're, you know, focused on what you're doing at the time with Bobby. So yeah. Beautiful. Beautiful. Well, I'll run through this document for you. I'll try to sorta hit the points that I absolutely have to. I'll give you some updates around it, and then you're welcome to read it through. Let me know if you do have any questions in the meantime. I don't work Fridays because it is my day with my son. However, I will be on my emails tomorrow because I have a lot of phonics to write. So if you do happen to have any questions, you are welcome to email me, and I'll email you after the call. That way, you've kinda got my email there. And you're welcome to email me with any questions or else and I can always make time to follow-up as well. Okay? Beautiful. Easy. Now the advice document has been prepared for yourself, Tyler Fuller, as of the March 18. We did finalize it yesterday for you. Prepared by myself, Dana Taylor. I'm an authorized representative under Oakview Financial, and my representative license number registered through ASIC is 1304394. The advice has been provided in best interest, making sure we're here to meet your goals. The advice will need to be updated moving forward there as well. And I do know your birthday is tomorrow, so happy birthday for tomorrow. I hope. That's okay. I just don't want anyone to ever think that they're not able to contact me on Fridays. I do work Monday to Thursday and work longer hours, so I get Friday with my son. But most Fridays, I'm on my email. You can ask Maddie. I'm always on my email sort of doing something anyway, but I never want anyone to feel like they can't contact me. But I hope you just enjoy your birthday and hopefully go out for dinner or do something fun. Fantastic. Fantastic. With the scope of the advice, we have scoped in superannuation. So when we sort of touched base last time to do your review, there were some underperforming assets. I wanted to have those removed. So I've looked at how to adjust the portfolio to make sure they are removed and keep you on track to meeting your goal. We also looked at the child trauma policy. So Oscar is now two. I've looked at how to structure a child trauma policy for a 100,000 to make it cost effective for you because I know with your other insurance policy, you have just gone through renewals. So your policy has increased in cost a little bit there as well. You're paying a bit more out of pocket now. Yeah. So those policies are steps. I'll go through it with you as well, but, essentially, they are steps. They do increase in cost every year, so that's why it's important we do kinda review those with you to make sure the level of cover is what you're after so that you're not paying too much as well because now having two kids expenditure does go up. So out of pocket expenses do need to be considered. Okay? Scraping out of the advice, so we're not looking at any personal investment or cash flow and budgeting at the moment. One of your medium term goals is to purchase another property and turn your home into an investment, and you're also looking to do some renovations down the track as well. But if you needed any cash flow and budgeting or other advice, you let me know. You're an ongoing client, so I can certainly help you moving forward with other areas of advice. Okay? Perfect. Now with the with your assets and liabilities, I have those noted in here for you at the current level that we sort of discussed in the annual review. If you find that there's any discrepancy or you would rather change those asset values, I know the mortgage can fluctuate with, you know, paying it down and interest coming out and things like that. The assets and liabilities don't have an effect on the advice that we're providing. However, if you would like me to update those in the back end, you can let me know. I can make a note of any changes to your assets and liabilities that we do have noted in the advice document there as well. Okay? Perfect. Now as of the time we provided the advice document, the balance in super was about 82,297 and 27¢, and you do have your one pass policy. So out of super, you are paying for life, TPD, and income protection. You have 1,000,050 of life and TBD, and then an income protection policy providing a monthly, before income tax benefit of 5,544. You have a thirty day waiting period and a six year benefit period on that one. And then you've also got your one pass policy, which has just gone through renewal there. The total yearly premium for this is $435.60 out of pocket, and you're actually covered for now a $105,000 of life and trauma cover for yourself. These are paid outside of super. They are all stepped premiums. So both your policies inside super and outside super will increase in cost as you get older as the risk of you making a claim increases. However, they are also CPI linked. So it does mean that the sum insured is gonna keep increasing as well because we know the buying capacity is eaten away on a dollar, a $100 this year isn't worth a $100 next year. Insurance policies are linked to CPI. So as much as you're paying a little bit more for the policies, they do increase in value as well. So if you were to claim on trauma, you can claim a 105,000 instead of the initial 100,000 that you did have there. But, well, I'll review them with you. If you start getting too expensive, we can look at the amounts, and part of your annual review will also reevaluate the levels of cover, and we can always adjust them to keep them cost effective and make sure it's working to you at the same time. Okay? Perfect. Now with regard to the recommendations here, and you'll be able to go through these in a a fair bit of detail. I've added lots of advantages, disadvantages, risks involved, and alternatives that I've considered for you. But with regard to the super and the recommendations, now Bannalong was the investment that was underperforming, so we have made a recommendation to remove that completely from your portfolio. Because we are removing Bannalong, it isn't a down point, so we are cementing the loss there. So I'm also recommending that we rebalance your portfolio as well just to make sure that, a, it's working properly, but then you're not overexposing yourself to risk. So we're taking advantage of the fact that Bannalong is down. We're seeing a loss by cementing it and removing it from your portfolio. So we can offset any other capital gains that the other investments might have foreseen and try to rebalance at the same time, which is a benefit for you. Okay? So what we're gonna be doing is we're rebalancing the cyber security and the India quality ETF. You'll have 7% in there. We're gonna sell about 393 of cyber security, a $118 of India quality ETF just to bring you back to the level you should be in a rebalance set. We'll be buying into a bit of the Global Healthcare, so rebalancing that one for you, buying a bit more of the S and P 500 to rebalance it, buying a bit more of the Raffi Aussie 200 to rebalance that one as well, and then selling all of the Van Alung to get rid of that underperforming investment. We are replacing Van Along with the BetaShares a 200, which you'll see in here. Essentially, it is still giving you exposure to the top 200 companies in Australia. It's still giving you the Australian equity exposure. The main sort of difference is the a 200 is more of a passively managed fund, so it tracks the top 200 companies in Australia and the index with regard to that. One of the benefits of having the a two hundred over Bennelong is Bennelong was meant to be more of an actively managed component, but they don't haven't really been very actively managing their portfolio. And as such, they've been underperforming with their investments not working within the fund there. The a two hundred isn't actively managed. It's just tracking an index, and as such, the management fees are actually cheaper. It tracks the top 200 companies on the Australian A XF, so it's actually giving you a little bit more Australian exposure. You've got more companies to diversify your portfolio with, and having cheaper management fees provides a benefit to you. With the a 200, similar to the S and P 500, having exposure to these indexes is great because there's a certain criteria that the companies have to meet to be in these indexes, and the beta shares a 200 and the beta sorry. The s iShares S and P 500, they track those indices. So if companies within the indices don't meet a criteria to be in the top 200 on the a 200 or in the S and P 500, they're actually removed and replaced with other companies. So you are always tracking the movement of the top 200 with the a 200 and the top 500 with the S and P 500 there. So it provides a benefit. You're not having to try and outperform the market. You're tracking in indices, and the indices is always working, always tracking the top companies. So you're not, you know, not following underperforming investments in those sorts of ways, if that makes sense. Okay? Yeah. Perfect. So we'll have the a 200 in there instead of that along, which is great. We're still gonna hold the JPMorgan Global Research Enhanced Equity Fund. Again, it's just sort of giving you a bit of exposure to JPMorgan's great for a research house, and that investment is about 15% actively managed. It's about making sure they're sort of looking to track up and coming areas as well as growth and investments that have a great track record. So utilizing them is great. There's only a small portion of your portfolio in there. It's still a good investment, has performed really well in your portfolio, so we do wanna keep that in there and just rebalance that a little bit. Physical gold, we are buying a bit more physical gold. You're a bit underweighted at the moment, and physical gold has been fantastic. So we'll buy a bit more of that and keep you waiting correct. We are also getting rid of the bank hybrids. Now as they kinda went through, the government is phasing those out in the future. So we're taking the advantage to remove those now whilst we are rebalancing and getting rid of Bennelong. The losses Bennelong has seen will help to offset some of the gains. So removing the bank hybrids and then moving the money into the core composite bonds, doing it now as opposed to waiting to when we have to down the track. Because you're younger means that rebalancing obviously the portfolio now, we make those changes, and then you've got a really good time horizon to allow your portfolio to recover and to continue growing out from that, and we'll keep monitoring it for you. Does that make sense? Yep. Perfect. I do have the best interest duty in here for you that notes this recommendation is in your best interest. I did look at Hub twenty four as a fund. I'm retaining that because Hub twenty four is still great. It actually works out less in best interest to move to another super fund when we're only altering some of the investments. So we only realistically have to sell some of the investments and rebalance others. Instead, if we moved you to another fund, we'd be fully selling everything down. The CDT effect would be greater. As it is, when I looked at the research, the CDT effect on your super fund is actually zero. So because Van Along is quite heavily down at the moment, by making all these changes to your portfolio, we're actually offsetting all of the capital gains. So your super fund will have no CGT effect, which is a benefit for you as well. Okay. Perfect. Because we are remaining in hub twenty four, the administration fees do stay the same. There's no change there, but the underlying investment fee actually reduces. So for the first year after making these changes, the total investment fees drop. So we end up saving you about a $121 for the first year in investment fees. So, again, fees drop, changes to your portfolio. It has showed a better a better performance in the past as well. I do know projections are just projections, and they are you know, we're not expecting you to get this return on a regular basis. But by moving into the recommended portfolio, I have to use the three year rolling average because bank hybrids haven't been around for five years to give me a five year rolling average. But the newer portfolio over the past three years has averaged about 16.83%. I know with the volatility and the the changes in the market that we are seeing at the moment, I definitely don't expect you to get 16% from now over the next ten years. But if the market performs really well and you can average that kind of return, which is greater than what your current portfolio average has been, we can see a greater future performance, and we can estimate you to be at about $35,000 better off over the next ten years, which would be great if we can do that for you. Okay? Yeah. Beautiful. I'll let you run your eyes over that one. I don't wanna throw too many numbers at you and make it too confusing. The thing I hate about not having you see the document is I don't wanna sort of talk at you at all. I kinda wanna just make sure I'm giving you what you need, but not throwing too much confusing numbers and whatnot at you. So I'll let you read through that one, and you can let me know if you have any additional questions or concerns or anything in relation to it. Okay? Perfect. Now with the we are retaining your life, your TPD, your income protection inside Super there at the moment. There's no major changes to that. This, whilst we're not making any changes, has been scoped into a limited scope to the advice. A limited scope simply means that we know we're not making a recommendation on this product. However, there is an effect on any other recommendations that we are making. So because your life, TPD, and income protection are paid out of super, having it scoped into a limited extent just makes sure that you're aware you are paying for those premiums out of super, and so we have to account for that as part of the overall projection and looking at the fees and the effect on your super. So that's why it's limited scope in there, and I've got a little blurb that explains that to you as well. Okay? Perfect. I with regard to the the child trauma policy, now we are making a recommendation that you do apply for the child trauma policy, applying for a $100,000 of the child trauma with one path. So I had a really good look at all the options out there with regards to the child trauma policy. Most of the insurers weren't willing to offer a stand alone policy, so we're applying for that with OnePath, and it will be linked to your current trauma and life policy, which is great. Your current premium on a monthly basis, this is with the increase as it's just gone through renewal, is $36.30 on a monthly basis. By adding a child trauma policy in there for Oscar, it goes up by $12 on a monthly basis. So you end up paying about $48.67 per month for all three policies outside of pocket. Okay? It is. Yep. Yeah. Perfect. It is a set policy, so it will continue to get more expensive, but we are able to link this to the other policies. So it does make it cheaper to link and add the policy in there for you. The only other provider as an alternative that was willing to offer a standard a stand alone trauma policy for children I was tau, but their policy came out a little bit more expensive. It was a bit over $13 on a monthly basis. So in the interest of making sure it's more cost effective, it went with a cheaper policy, which is one pass. Linking it to your current policies means that you keep everything together. And I've even got a copy of the I had a look at the application form. There's only a couple of questions. They do ask a few questions about family history, but they're mainly just asking to make sure that Oscar hasn't had any major traumatic diagnosis since he was born. And there's no real major underwriting to it, which is really important. As an alternative, I did also go and have a look at structuring it, looking at life trauma and child trauma as a combined with other providers, but it honestly does work out cheaper to stay with OnePath. You've got the multi policy discount there. OnePath is still the best provider, and linking it to your currently current policy made it more cost effective for you. So that's the recommendation for that one. Yeah. Yeah. Yep. Yeah. Absolutely. It is always better to get the policies earlier than it is later. I mean, he's he's nice and healthy, and you look great, and he should not have anything over the next couple of years. However, if anything did arise making, you know even on child policy, if something did arise down the track, it can make the policies more expensive. You can have exclusions like what you've got at the moment. So doing that now is much better for him. The benefits of having a policy is we can link it to your one pass. It is more cost effective for you. But I had a really good look at what one pass offer, and it's actually really cool. So I've got all of that noted here for you, and I've also got the PDF attached in case you like enjoying reading through those. But when it comes to the policy, so one path cover up to 51 different traumatic conditions for child trauma. It accounts for blindness. Some of them are benign brain tumors, blindness, plastic anemia, benign spinal tumors. We've got brain damage, burns, severe cancer, cardiomyopathy, deafness. There's a couple I can't pronounce there, and certain head traumas as well that are permanent and irreversible. Kidney failure, loss of speech, permanent paralysis, and loss of a limb, mening meningococcal, meningitis meningitis I'm sorry. I'm not a doctor. I don't do well with these big words. Terminal illnesses, stroke, and organ transplant. The policy will have a ninety day qualifying period on it. So, essentially, it just means that for the first ninety days, there are limitations on what can be claimed, but after the first ninety days, everything is fine. It's just sort of making sure that you're not not trying to claim on anything that you maybe think you might have within the first ninety days. Sort of the same with life insurance. They normally don't cover they normally, for the thirteen first thirteen months, don't cover suicide on life cover. You've gotta kinda have the policy for the first year before they'll cover that. So it does work out the same with the child trauma policy there for you. But after the first ninety days, you are fully covered for everything. Some other really good advantages of the policy are that it has the accommodation benefit there as well. So, essentially, if something was to happen to Tyler sorry. If something was to happen to Oscar, I do apologize. And he was bedridden, and, you know, if family members you guys had to travel or be somewhere, they do pay out the accommodation benefit, which is a certain amount that helps to cover and cover the cost of accommodation for a certain period of time. They cover if you have to travel for more than a 100 kilometers, so sometimes we might need to travel, you know, out out of state or into other areas to see certain specialists depending on what the diagnosis is. After this after he turns age 21, the policy can be converted to a life with attached trauma policy. There's no additional underwriting for that. And, essentially, Oscar then becomes the policy holder of that policy. And because he's held at the time, it automatically transfers, and he just keeps paying the premium for it, which is kinda cool. The other side of the policy, which I think is really awesome, is that if anything was to happen to you, we hope nothing ever does. But because you are the policy owner of these policies, if something happened to you, if you were to pass away, your life cover was fully paid out, the policy then becomes a standalone child trauma policy. So long as he is over 10 years of age and your wife provides consent, he can then continue to hold the policy. If he's 10, it still stays as a a stand alone policy, but it just means that your wife looks after it for him. But it means that if you pass away, if something happens to yourself and the life cover paid out, the policy can remain for him so he does get that benefit long term. Okay? Yeah. The risks involved with having, obviously, with all insurances, there is the bigger risk that if you have these policies and that you never actually claim on them and we get rid of them at some point or they just get to expiry age, the biggest risk is you could have them never have to claim. That's also the biggest benefit of the policies because as much as having the policies and having the money paid at is a good thing in the event of a claim, it also means that we've lost something. There's some sort of negative, experience. We've had some sort of a loss to be able to make that claim. So it is a benefit and a risk of having these sorts of policies. Okay? Beautiful. As I mentioned, I did look at alternative options. That, I looked at standalone policies. I also looked at the life trauma and linking child trauma with other options. However, this was the best way to go. It's much easier for yourself and if your policy is already enforced, you don't wanna have to go through underwriting again, and the policy can just be added there. It's nice and cost effective, which is important as well. Okay. Yeah. Do you have any questions so far? Is there anything you wanted me to touch further on? No. Yeah. Yeah. Yeah. Yep. Absolutely. Absolutely. Absolutely. It's a great policy. It's nice and cost effective. And even, like, before your your second son turns two, let's look at it closer too because worst case, we can always update the advice as your policies would have gone through a few renewals. So we might have to alter the amounts there, look at what they're costing, and see what your expenditure allows for. So, sorry, we might be able to and need to alter the policies a little bit down the track there. So before he turns to, we can look at it together, update the advice, and really hone in on what we need to do to make it work for you guys. So you're not spending a fortune out of your back pocket because kids are expensive. Let's be honest. Those are expensive, aren't they? That's insane. Oh, but no. It's honestly all we'll definitely look down the track to help you out with that aspect. I'll let you read through this one, take it all in, and let me know if you do have any questions there. I've also just backed in the estate planning side of things as well. You do have your beneficiaries on file. You were comfortable with those, but one of the things we'd talk about was not having a will and power of attorney. So having your second child now with your life changing, having your will drawn up is really important. So I've added that in there that we are recommending you do have a will and power of attorney, just making sure everything is in line with your wishes. I can, if you like, send out. I don't know if anyone sent out to you yet, and I hope someone has. Did you receive the email with the solicitor's information from the annual review? Yep. Perfect. Yep. Perfect. Perfect. Yeah. Just doing those up when you are ready to do so. Just provide the extra layer of protection for yourself, your family, your kids. And there's so many good things you can do with the will to make sure your family is set up, make sure there's trust structures, and the assets are sold as to your wishes, and guardianship if something happened to yourself and and Rhiannon as well. So it's just yeah. Those sort of things are hard conversations to have, but they are really important at the same time. So yeah. All good. So I've got those in there for you. Now the advice, as I mentioned, there's no cost to the advice, no implementation cost at all. We do receive remuneration from the insurance companies for the insurances we do recommend. So I do have in here on page 37 for you the updated remuneration because adding the child trauma policy means that we will do receive 66% of the first year's premium. Based on the total cost over the year, it's expected to be about $98. The advice I'm providing is in your best interest to meet your goals. That's why I haven't gone with the highest cost one pass highest cost trauma policy. We wanna make sure it's cost effective for you. It's working for you. And the remuneration is just another aspect we like to disclose. It has no effect on my recommendations in any way, shape, or form. And then the ongoing remuneration for all policies is 22%. They're ongoing. We have added on the remuneration ongoing side. It's a combination of all your one part policies together. So it is expected to be $7.97 for the year based on 22% of your total premium cost and not on just the cost of the child trauma, just to hear what excellent. There's no setup or implementation fees and charge for us for the services. You're an ongoing service client. You're paying ongoing service fee of 1.65% per annum. So we obviously wanna make sure that this is looking after you. I actually think this is you're on 1.1. So sorry. There is a typo there. This document automates the 1.65%, but you're on 1.1% because you're Maddie's brother. So it's not an issue. It's over disclosed in the advice document, which is fine as long as your ongoing service agreement is correct, and that is correct because I just checked it then. So I just wanted to make sure you're aware that's what it says. It's just the standard with most of our clients that you're obviously on a discounted rate for that one. If you want, I'm happy to go and update that for you to reflect before you read it. Do you want me to change that ongoing service percentage for you? It's not? You sure? Okay. Beautiful. Look. Gotta look after you, honestly. She sits behind me and can hear all my conversations, so she'll tell me if I stuff up something. No. All good. But I will let you go and have a bit of a read through that, take it in. If there's anything that you had questions on wanting me to update or clarify, please let me know. Wanna make sure that, obviously, you're looked after, that we're providing the value of our services, and that we're here to help you and to meet all of your goals. So, yeah, that's basically the advice. Perfect. Perfect. If you decide to take on all of that, how implementation should go is you sign the document, you send it back to us. We'll start by the investment switch, and then we'll book you in with our admin team start to go through the application for the child trauma policy, have it submitted off, and organized for that to be linked to the other policies to make it nice and easy. Okay. Very easy implementation. Yeah. Of course. Yeah. Mhmm. Yep. You you absolutely can. There's nothing wrong with you holding a policy for her. However, it is probably that it's for her to hold her own policy. She's not working at the moment, is she? No. That's okay. So we can just provide it I know because she might have super somewhere else, but when she's not working, it's sort of not really worth looking at a super. But we can do advice for insurance only. So if she does wanna look at, like, a life policy or something like that while she's not working, it's hard to kind of look at income protection or TBD, but we can look at life and trauma policies for her. We can also look at maybe home duties TBD, which essentially means that if she's not able to do her home duties due to something, that the money can be used to have cleaners and childcare and things like that set up. And you can get home duties, occupation, TBD. So we can absolutely look at those sorts of options for her if she would like to. I'm happy to help her out and have that conversation initially, talk about what we do and how it works, and provide advice for insurance only. If that's the case, there's no ongoing fees for us doing that. We receive remuneration from insurances for from insurance companies for the insurances that we set up, and we can have it set up to be paid out of pocket or out of super depending on what she sort of wants, what her structure, and what your life allows for at the same time. So but that's absolutely possible. Yeah. Yep. Yeah. Absolutely. We can sort of make it up even if she wants to have a chat to us first, myself or Maddie look at what we do, how it works, what we can sort of help her with. We can work to, you know, work as slow or as fast as she sort of needs us to. But, yeah, have a chat to her and see if she wants to look at doing that. I'm more than happy to assist and help out in that area. So, yeah, not a problem at all. Easy. Beautiful. That's everything I needed to touch base on. I don't wanna sort of take up too much of your time because you've got your beautiful son there, and you're in your bubble of newborn. Did you wanna just take some time to have her read through that document? Like, come back and let me know if you have any questions, and I'll shoot you an email now as well so you've got my email in your inbox. Okay. Beautiful. Thank you so much for your time, Tyler. I'm so excited for you guys. Alright. Anytime. I'll let you go. You have an amazing day, and let me know if there's anything you need or any questions that you have in relation to that. It doesn't matter what it might be. Okay? Wonderful. Thank you so much for your time. Have a good afternoon. See you later. Bye.","confidence":0.9977059,"words":[{"word":"hi","start":2.96,"end":3.28,"confidence":0.8175616,"punctuated_word":"Hi,","sentiment":"neutral","sentiment_score":0.12415480613708496},{"word":"tyler","start":3.28,"end":3.76,"confidence":0.9904232,"punctuated_word":"Tyler.","sentiment":"neutral","sentiment_score":0.12735286355018616},{"word":"it's","start":3.76,"end":4.0,"confidence":0.9995873,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1696854829788208},{"word":"dana","start":4.0,"end":4.3199997,"confidence":0.91569275,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.16568657755851746},{"word":"from","start":4.3199997,"end":4.56,"confidence":0.9986527,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.19266945123672485},{"word":"oq","start":4.56,"end":5.04,"confidence":0.8496654,"punctuated_word":"OQ","sentiment":"neutral","sentiment_score":0.15844273567199707},{"word":"financial","start":5.04,"end":5.54,"confidence":0.9715747,"punctuated_word":"Financial.","sentiment":"neutral","sentiment_score":0.1824551522731781},{"word":"how","start":5.68,"end":5.8399997,"confidence":0.9937915,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.20455244183540344},{"word":"are","start":5.8399997,"end":6.08,"confidence":0.999635,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.19741536676883695},{"word":"you","start":6.08,"end":6.24,"confidence":0.99983394,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19311831891536713},{"word":"today","start":6.24,"end":6.74,"confidence":0.99992955,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.19233356416225433},{"word":"i'm","start":9.12,"end":9.36,"confidence":0.9886404,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.5917767882347107},{"word":"very","start":9.36,"end":9.679999,"confidence":0.9998653,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.6370675563812256},{"word":"well","start":9.679999,"end":10.0,"confidence":0.9981717,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.633804202079773},{"word":"thank","start":10.0,"end":10.16,"confidence":0.99994075,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7165232300758362},{"word":"you","start":10.16,"end":10.48,"confidence":0.9999636,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.6741184592247009},{"word":"i","start":10.48,"end":10.639999,"confidence":0.99981254,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3918896019458771},{"word":"had","start":10.639999,"end":10.8,"confidence":0.9815245,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.4551757276058197},{"word":"you","start":10.8,"end":10.96,"confidence":0.9866397,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2987658381462097},{"word":"booked","start":10.96,"end":11.12,"confidence":0.78359056,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.33009496331214905},{"word":"in","start":11.12,"end":11.28,"confidence":0.9802694,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3765855133533478},{"word":"to","start":11.28,"end":11.44,"confidence":0.998884,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2810937464237213},{"word":"run","start":11.44,"end":11.599999,"confidence":0.9987375,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.2725709080696106},{"word":"through","start":11.599999,"end":11.759999,"confidence":0.997652,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.3221687972545624},{"word":"your","start":11.759999,"end":11.92,"confidence":0.9972735,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.30658429861068726},{"word":"updated","start":11.92,"end":12.4,"confidence":0.9954656,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.30262401700019836},{"word":"advice","start":12.4,"end":12.799999,"confidence":0.6521504,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.3711118996143341},{"word":"document","start":12.799999,"end":13.299999,"confidence":0.98058486,"punctuated_word":"document.","sentiment":"neutral","sentiment_score":0.2815319895744324},{"word":"is","start":13.36,"end":13.5199995,"confidence":0.99957246,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.26073357462882996},{"word":"now","start":13.5199995,"end":13.84,"confidence":0.99972636,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.2674473524093628},{"word":"a","start":13.84,"end":13.92,"confidence":0.99926096,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27833375334739685},{"word":"good","start":13.92,"end":14.16,"confidence":0.99995947,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.3099468946456909},{"word":"time","start":14.16,"end":14.4,"confidence":0.99992394,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.18941691517829895},{"word":"for","start":14.4,"end":14.639999,"confidence":0.9998703,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2200995087623596},{"word":"you","start":14.639999,"end":15.04,"confidence":0.9981551,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.1881614625453949},{"word":"yep","start":15.04,"end":15.54,"confidence":0.9566962,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06186501309275627},{"word":"perfect","start":16.654999,"end":17.154999,"confidence":0.9954268,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5163773894309998},{"word":"how","start":17.215,"end":17.455,"confidence":0.9628531,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.34378981590270996},{"word":"is","start":17.455,"end":17.695,"confidence":0.9844668,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2993723154067993},{"word":"everything","start":17.695,"end":18.095,"confidence":0.99977463,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.35485970973968506},{"word":"going","start":18.095,"end":18.595,"confidence":0.99944437,"punctuated_word":"going?","sentiment":"positive","sentiment_score":0.3963395953178406},{"word":"yeah","start":21.375,"end":21.855,"confidence":0.7355222,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1214102953672409},{"word":"what's","start":21.855,"end":22.255,"confidence":0.99812794,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":0.08608230203390121},{"word":"been","start":22.255,"end":22.494999,"confidence":0.99178994,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.06212721019983291},{"word":"happening","start":22.494999,"end":22.994999,"confidence":0.99927425,"punctuated_word":"happening?","sentiment":"neutral","sentiment_score":0.08138743788003922},{"word":"congratulations","start":31.31,"end":31.81,"confidence":0.91913676,"punctuated_word":"Congratulations.","sentiment":"positive","sentiment_score":0.4375399649143219},{"word":"oh","start":33.79,"end":34.19,"confidence":0.8178427,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.30318552255630493},{"word":"a","start":34.19,"end":34.35,"confidence":0.9824156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20394957065582275},{"word":"little","start":34.35,"end":34.75,"confidence":0.999803,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.14621581137180328},{"word":"boy","start":34.75,"end":35.23,"confidence":0.99443036,"punctuated_word":"boy.","sentiment":"neutral","sentiment_score":0.2095191478729248},{"word":"that","start":35.23,"end":35.469997,"confidence":0.9993548,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.28768816590309143},{"word":"is","start":35.469997,"end":35.87,"confidence":0.9997689,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.27415940165519714},{"word":"beaut","start":35.87,"end":36.11,"confidence":0.4000123,"punctuated_word":"beaut","sentiment":"neutral","sentiment_score":0.31242597103118896},{"word":"i","start":36.269997,"end":36.35,"confidence":0.99761933,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19682589173316956},{"word":"know","start":36.35,"end":36.51,"confidence":0.96583754,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2007882297039032},{"word":"you","start":36.51,"end":36.67,"confidence":0.9989472,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16136370599269867},{"word":"were","start":36.67,"end":36.91,"confidence":0.4947193,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.1625617742538452},{"word":"waiting","start":36.91,"end":37.309998,"confidence":0.98839545,"punctuated_word":"waiting.","sentiment":"neutral","sentiment_score":0.2698655128479004},{"word":"it","start":37.309998,"end":37.47,"confidence":0.99942636,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.147558331489563},{"word":"was","start":37.47,"end":37.71,"confidence":0.93952525,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":0.15244492888450625},{"word":"like","start":37.71,"end":38.03,"confidence":0.9995969,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.12354123592376708},{"word":"coming","start":38.03,"end":38.51,"confidence":0.76547426,"punctuated_word":"coming,","sentiment":"neutral","sentiment_score":0.15839192271232605},{"word":"so","start":38.51,"end":38.75,"confidence":0.9972734,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15742701292037964},{"word":"that's","start":38.75,"end":39.07,"confidence":0.99630535,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1670539379119873},{"word":"fantastic","start":39.07,"end":39.57,"confidence":0.99951506,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.7135031819343567},{"word":"i'm","start":39.79,"end":40.03,"confidence":0.99918854,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6797756552696228},{"word":"so","start":40.03,"end":40.269997,"confidence":0.99975985,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7300125360488892},{"word":"excited","start":40.269997,"end":40.769997,"confidence":0.99955064,"punctuated_word":"excited.","sentiment":"positive","sentiment_score":0.727534294128418},{"word":"oh","start":41.149998,"end":41.649998,"confidence":0.81405354,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.25106456875801086},{"word":"yep","start":43.844997,"end":44.344997,"confidence":0.832638,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2852911651134491},{"word":"beautiful","start":44.725,"end":45.225,"confidence":0.9911796,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5287514925003052},{"word":"oh","start":45.844997,"end":46.164997,"confidence":0.9562291,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.3573436737060547},{"word":"that's","start":46.164997,"end":46.484997,"confidence":0.99898654,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.578925609588623},{"word":"amazing","start":46.484997,"end":46.984997,"confidence":0.9927169,"punctuated_word":"amazing.","sentiment":"positive","sentiment_score":0.5591757297515869},{"word":"and","start":47.045,"end":47.204998,"confidence":0.9953407,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.25733786821365356},{"word":"how's","start":47.204998,"end":47.445,"confidence":0.95581007,"punctuated_word":"how's","sentiment":"neutral","sentiment_score":0.23062077164649963},{"word":"everyone","start":47.445,"end":47.925,"confidence":0.9696639,"punctuated_word":"everyone","sentiment":"neutral","sentiment_score":0.21518483757972717},{"word":"settling","start":47.925,"end":48.405,"confidence":0.9947501,"punctuated_word":"settling","sentiment":"neutral","sentiment_score":0.16768574714660645},{"word":"into","start":48.405,"end":48.805,"confidence":0.93127114,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.17229405045509338},{"word":"having","start":48.805,"end":49.204998,"confidence":0.99559754,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.14298488199710846},{"word":"two","start":49.204998,"end":49.364998,"confidence":0.9989053,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.11795133352279664},{"word":"kids","start":49.364998,"end":49.864998,"confidence":0.974821,"punctuated_word":"kids?","sentiment":"neutral","sentiment_score":0.12846985459327698},{"word":"big","start":54.885,"end":55.204998,"confidence":0.7054826,"punctuated_word":"Big","sentiment":"neutral","sentiment_score":0.1979767233133316},{"word":"change","start":55.204998,"end":55.704998,"confidence":0.926502,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":0.18099066615104675},{"word":"yeah","start":55.925,"end":56.425,"confidence":0.85398746,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04250926524400711},{"word":"no","start":56.484997,"end":56.725,"confidence":0.9966724,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.001828748732805252},{"word":"that's","start":56.725,"end":57.125,"confidence":0.99759185,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07104489207267761},{"word":"perfect","start":57.125,"end":57.625,"confidence":0.98103833,"punctuated_word":"perfect.","sentiment":"neutral","sentiment_score":-0.007108975201845169},{"word":"i","start":60.01,"end":60.17,"confidence":0.51184905,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05549030005931854},{"word":"understand","start":60.17,"end":60.67,"confidence":0.9996358,"punctuated_word":"understand","sentiment":"neutral","sentiment_score":-0.03925106301903725},{"word":"that","start":60.809998,"end":61.21,"confidence":0.9990767,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.04191096872091293},{"word":"yeah","start":61.21,"end":61.69,"confidence":0.9982054,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01962876692414284},{"word":"definitely","start":61.69,"end":62.19,"confidence":0.9848118,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":0.04878596216440201},{"word":"but","start":62.329998,"end":62.57,"confidence":0.99908864,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.01773177459836006},{"word":"it's","start":62.57,"end":62.649998,"confidence":0.9985234,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.00835968367755413},{"word":"still","start":62.649998,"end":62.89,"confidence":0.9998124,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.00852154940366745},{"word":"a","start":62.89,"end":62.969997,"confidence":0.9991646,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.028358057141304016},{"word":"beautiful","start":62.969997,"end":63.449997,"confidence":0.9999343,"punctuated_word":"beautiful","sentiment":"neutral","sentiment_score":0.02843143045902252},{"word":"time","start":63.449997,"end":63.69,"confidence":0.7761066,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.13967035710811615},{"word":"though","start":63.69,"end":63.929996,"confidence":0.9550683,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":0.07975111156702042},{"word":"isn't","start":63.929996,"end":64.25,"confidence":0.99732363,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":0.0860380232334137},{"word":"it","start":64.25,"end":64.33,"confidence":0.99479294,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.036135971546173096},{"word":"like","start":64.33,"end":64.49,"confidence":0.9963927,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.02924475446343422},{"word":"you","start":64.49,"end":64.65,"confidence":0.99973553,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03115425817668438},{"word":"don't","start":64.65,"end":64.89,"confidence":0.99987733,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.009951509535312653},{"word":"get","start":64.89,"end":65.049995,"confidence":0.9980344,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.003497093915939331},{"word":"those","start":65.049995,"end":65.29,"confidence":0.99251974,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.012792062014341354},{"word":"moments","start":65.29,"end":65.689995,"confidence":0.9842233,"punctuated_word":"moments","sentiment":"neutral","sentiment_score":0.026361621916294094},{"word":"back","start":65.689995,"end":66.09,"confidence":0.98589545,"punctuated_word":"back.","sentiment":"neutral","sentiment_score":-0.010009447112679482},{"word":"yeah","start":66.09,"end":66.59,"confidence":0.9971913,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.019273238256573677},{"word":"oh","start":68.649994,"end":69.049995,"confidence":0.7962709,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.26346853375434875},{"word":"fantastic","start":69.049995,"end":69.549995,"confidence":0.99909484,"punctuated_word":"fantastic.","sentiment":"neutral","sentiment_score":0.316985547542572},{"word":"tyler","start":70.33,"end":70.729996,"confidence":0.9017911,"punctuated_word":"Tyler,","sentiment":"neutral","sentiment_score":0.08995336294174194},{"word":"i","start":70.729996,"end":70.89,"confidence":0.9997907,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09701116383075714},{"word":"do","start":70.89,"end":71.13,"confidence":0.9998896,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08610624074935913},{"word":"wanna","start":71.13,"end":71.45,"confidence":0.99823254,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.06262068450450897},{"word":"send","start":71.45,"end":71.689995,"confidence":0.9996989,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.07348398119211197},{"word":"the","start":71.689995,"end":71.85,"confidence":0.9979075,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06420311331748962},{"word":"email","start":71.85,"end":72.17,"confidence":0.964851,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.08930744230747223},{"word":"through","start":72.17,"end":72.33,"confidence":0.99197453,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.07293105125427246},{"word":"so","start":72.33,"end":72.57,"confidence":0.78067315,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.09348179399967194},{"word":"you've","start":72.57,"end":72.729996,"confidence":0.90570843,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.08785342425107956},{"word":"got","start":72.729996,"end":72.89,"confidence":0.99969435,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.10358705371618272},{"word":"the","start":72.89,"end":73.049995,"confidence":0.99845755,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1146152764558792},{"word":"advice","start":73.049995,"end":73.395,"confidence":0.95569783,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.10945077985525133},{"word":"document","start":73.475,"end":73.795,"confidence":0.9947642,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.11255256831645966},{"word":"in","start":73.795,"end":73.875,"confidence":0.99973494,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14062154293060303},{"word":"front","start":73.875,"end":73.994995,"confidence":0.99988127,"punctuated_word":"front","sentiment":"neutral","sentiment_score":0.1325889527797699},{"word":"of","start":73.994995,"end":74.115,"confidence":0.9991478,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1060626208782196},{"word":"you","start":74.115,"end":74.435,"confidence":0.9996861,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.07273577153682709},{"word":"do","start":74.435,"end":74.59499,"confidence":0.99986494,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.024272996932268143},{"word":"you","start":74.59499,"end":74.755,"confidence":0.9998598,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023332322016358376},{"word":"have","start":74.755,"end":74.91499,"confidence":0.9998425,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.023435041308403015},{"word":"access","start":74.91499,"end":75.23499,"confidence":0.99895144,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.033185288310050964},{"word":"to","start":75.23499,"end":75.395,"confidence":0.9868508,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.032387688755989075},{"word":"your","start":75.395,"end":75.475,"confidence":0.9470765,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.023883383721113205},{"word":"emails","start":75.475,"end":75.795,"confidence":0.98367995,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.03267066180706024},{"word":"there","start":75.795,"end":76.034996,"confidence":0.9887129,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.02167339064180851},{"word":"at","start":76.034996,"end":76.115,"confidence":0.99956423,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.033381104469299316},{"word":"the","start":76.115,"end":76.195,"confidence":0.99894935,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04024360701441765},{"word":"moment","start":76.195,"end":76.695,"confidence":0.9994767,"punctuated_word":"moment?","sentiment":"neutral","sentiment_score":0.05703188851475715},{"word":"yep","start":78.274994,"end":78.59499,"confidence":0.7018148,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06935691833496094},{"word":"perfect","start":78.59499,"end":78.994995,"confidence":0.9834461,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.20638370513916016},{"word":"i'll","start":78.994995,"end":79.23499,"confidence":0.7833245,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1381666511297226},{"word":"just","start":79.23499,"end":79.475,"confidence":0.998852,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14531244337558746},{"word":"press","start":79.475,"end":79.634995,"confidence":0.99538773,"punctuated_word":"press","sentiment":"neutral","sentiment_score":0.12116220593452454},{"word":"send","start":79.634995,"end":79.875,"confidence":0.9985166,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1435748040676117},{"word":"on","start":79.875,"end":79.954994,"confidence":0.999201,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12061505764722824},{"word":"that","start":79.954994,"end":80.195,"confidence":0.99966717,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15861749649047852},{"word":"one","start":80.195,"end":80.354996,"confidence":0.99892527,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.14962176978588104},{"word":"for","start":80.354996,"end":80.515,"confidence":0.99954,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14427323639392853},{"word":"you","start":80.515,"end":81.015,"confidence":0.9995143,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.12098681926727296},{"word":"beautiful","start":82.835,"end":83.335,"confidence":0.9788881,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.15528331696987152},{"word":"so","start":83.954994,"end":84.195,"confidence":0.9389732,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.03498883172869682},{"word":"sorry","start":84.195,"end":84.515,"confidence":0.98415995,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.10521804541349412},{"word":"i'm","start":84.515,"end":84.674995,"confidence":0.9991784,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.1970295608043671},{"word":"losing","start":84.674995,"end":84.994995,"confidence":0.9998381,"punctuated_word":"losing","sentiment":"neutral","sentiment_score":-0.2525394856929779},{"word":"my","start":84.994995,"end":85.075,"confidence":0.99442565,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.29225853085517883},{"word":"voice","start":85.075,"end":85.395,"confidence":0.992149,"punctuated_word":"voice","sentiment":"neutral","sentiment_score":-0.28476783633232117},{"word":"a","start":85.395,"end":85.475,"confidence":0.9875272,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2093799114227295},{"word":"little","start":85.475,"end":85.634995,"confidence":0.9992335,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.16890020668506622},{"word":"bit","start":85.634995,"end":85.86,"confidence":0.97122645,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.19900858402252197},{"word":"this","start":85.86,"end":85.94,"confidence":0.9903858,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.17281866073608398},{"word":"morning","start":85.94,"end":86.1,"confidence":0.9320231,"punctuated_word":"morning.","sentiment":"neutral","sentiment_score":-0.169937402009964},{"word":"so","start":86.1,"end":86.26,"confidence":0.999074,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08102519810199738},{"word":"if","start":86.26,"end":86.340004,"confidence":0.99892765,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0886610895395279},{"word":"i","start":86.340004,"end":86.58,"confidence":0.9992318,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0919329971075058},{"word":"stop","start":86.58,"end":86.82,"confidence":0.9983694,"punctuated_word":"stop","sentiment":"neutral","sentiment_score":-0.06846313923597336},{"word":"and","start":86.82,"end":86.98,"confidence":0.9989619,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08362369239330292},{"word":"pause","start":86.98,"end":87.3,"confidence":0.99960834,"punctuated_word":"pause","sentiment":"neutral","sentiment_score":-0.06314219534397125},{"word":"or","start":87.3,"end":87.46,"confidence":0.7958361,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.09492265433073044},{"word":"clear","start":87.46,"end":87.7,"confidence":0.9469499,"punctuated_word":"clear","sentiment":"neutral","sentiment_score":-0.11911674588918686},{"word":"my","start":87.7,"end":87.78,"confidence":0.9979614,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.1432456523180008},{"word":"throat","start":87.78,"end":88.1,"confidence":0.90650487,"punctuated_word":"throat,","sentiment":"neutral","sentiment_score":-0.0999278649687767},{"word":"i","start":88.1,"end":88.18,"confidence":0.9998134,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15403731167316437},{"word":"do","start":88.18,"end":88.42,"confidence":0.99974495,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.12334740161895752},{"word":"apologize","start":88.42,"end":88.92,"confidence":0.99965847,"punctuated_word":"apologize","sentiment":"neutral","sentiment_score":-0.1825295090675354},{"word":"in","start":89.06,"end":89.22,"confidence":0.9129665,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.12253842502832411},{"word":"advance","start":89.22,"end":89.72,"confidence":0.99584806,"punctuated_word":"advance.","sentiment":"neutral","sentiment_score":-0.13244861364364624},{"word":"yeah","start":93.3,"end":93.7,"confidence":0.99194187,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0003747083246707916},{"word":"i've","start":93.7,"end":93.86,"confidence":0.9792788,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.030244475230574608},{"word":"just","start":93.86,"end":94.020004,"confidence":0.9990208,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04747232049703598},{"word":"sent","start":94.020004,"end":94.18,"confidence":0.9884544,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.058628976345062256},{"word":"that","start":94.18,"end":94.34,"confidence":0.9990995,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0672764927148819},{"word":"one","start":94.34,"end":94.58,"confidence":0.999471,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.03949552774429321},{"word":"through","start":94.58,"end":94.82,"confidence":0.9947624,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.03536089509725571},{"word":"now","start":94.82,"end":94.98,"confidence":0.9989606,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.06976386904716492},{"word":"moving","start":94.98,"end":95.22,"confidence":0.9367801,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.10886000096797945},{"word":"forward","start":95.22,"end":95.46,"confidence":0.9857669,"punctuated_word":"forward,","sentiment":"neutral","sentiment_score":0.10193558782339096},{"word":"we","start":95.46,"end":95.62,"confidence":0.99714595,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06574932485818863},{"word":"do","start":95.62,"end":95.78,"confidence":0.9982139,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.07972250878810883},{"word":"record","start":95.78,"end":96.1,"confidence":0.99948514,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.05926872417330742},{"word":"our","start":96.1,"end":96.26,"confidence":0.9970228,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.07378176599740982},{"word":"calls","start":96.26,"end":96.5,"confidence":0.99101955,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.07143804430961609},{"word":"for","start":96.5,"end":96.66,"confidence":0.99742305,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06870979070663452},{"word":"quality","start":96.66,"end":96.98,"confidence":0.9993031,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.06548979878425598},{"word":"and","start":96.98,"end":97.14,"confidence":0.9996111,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07857893407344818},{"word":"training","start":97.14,"end":97.54,"confidence":0.9998461,"punctuated_word":"training","sentiment":"neutral","sentiment_score":0.06587576121091843},{"word":"purposes","start":97.54,"end":97.94,"confidence":0.99924815,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.09252575039863586},{"word":"are","start":97.94,"end":98.1,"confidence":0.9862666,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.10263653099536896},{"word":"you","start":98.1,"end":98.26,"confidence":0.99969685,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15427157282829285},{"word":"happy","start":98.26,"end":98.58,"confidence":0.9997919,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.1865285336971283},{"word":"for","start":98.58,"end":98.66,"confidence":0.9985128,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.19560563564300537},{"word":"me","start":98.66,"end":98.82,"confidence":0.99989295,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.14038212597370148},{"word":"to","start":98.82,"end":98.98,"confidence":0.9987418,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1417507529258728},{"word":"proceed","start":98.98,"end":99.3,"confidence":0.9997329,"punctuated_word":"proceed","sentiment":"neutral","sentiment_score":0.1685018688440323},{"word":"with","start":99.3,"end":99.46,"confidence":0.99900645,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16918228566646576},{"word":"that","start":99.46,"end":99.62,"confidence":0.9995869,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20969519019126892},{"word":"through","start":99.62,"end":99.78,"confidence":0.8363637,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1588379442691803},{"word":"the","start":99.78,"end":99.94,"confidence":0.99826825,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09259546548128128},{"word":"rest","start":99.94,"end":100.1,"confidence":0.99995434,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.09053589403629304},{"word":"of","start":100.1,"end":100.18,"confidence":0.9981754,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09331399202346802},{"word":"the","start":100.18,"end":100.34,"confidence":0.9984915,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07632134854793549},{"word":"call","start":100.34,"end":100.84,"confidence":0.9998355,"punctuated_word":"call?","sentiment":"neutral","sentiment_score":0.08252635598182678},{"word":"yep","start":101.865,"end":102.104996,"confidence":0.98913246,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12718340754508972},{"word":"beautiful","start":102.104996,"end":102.505,"confidence":0.9896661,"punctuated_word":"Beautiful.","sentiment":"neutral","sentiment_score":0.31357985734939575},{"word":"and","start":102.505,"end":102.744995,"confidence":0.99918383,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.21603511273860931},{"word":"i'll","start":102.744995,"end":102.825,"confidence":0.9981663,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.20936349034309387},{"word":"do","start":102.825,"end":102.985,"confidence":0.99595696,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2127685695886612},{"word":"security","start":102.985,"end":103.385,"confidence":0.9849996,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.14699608087539673},{"word":"day","start":103.385,"end":103.545,"confidence":0.49778977,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.18048743903636932},{"word":"with","start":103.545,"end":103.705,"confidence":0.9994816,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.18811355531215668},{"word":"you","start":103.705,"end":103.865,"confidence":0.99974304,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18034234642982483},{"word":"as","start":103.865,"end":104.025,"confidence":0.9995937,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.22273316979408264},{"word":"well","start":104.025,"end":104.265,"confidence":0.98453957,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.18526491522789},{"word":"just","start":104.265,"end":104.424995,"confidence":0.5617811,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.13994266092777252},{"word":"get","start":104.424995,"end":104.585,"confidence":0.85893214,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1389526128768921},{"word":"you","start":104.585,"end":104.665,"confidence":0.51622665,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1186625510454178},{"word":"to","start":104.665,"end":104.744995,"confidence":0.39909652,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1232740432024002},{"word":"confirm","start":104.744995,"end":105.145,"confidence":0.999046,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.11712926626205444},{"word":"your","start":105.145,"end":105.305,"confidence":0.96271783,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0964888632297516},{"word":"full","start":105.305,"end":105.465,"confidence":0.9999068,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.1148420125246048},{"word":"name","start":105.465,"end":105.705,"confidence":0.9984842,"punctuated_word":"name,","sentiment":"neutral","sentiment_score":0.09431710839271544},{"word":"your","start":105.705,"end":105.865,"confidence":0.9995864,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08415790647268295},{"word":"date","start":105.865,"end":106.025,"confidence":0.999838,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.1054108664393425},{"word":"of","start":106.025,"end":106.104996,"confidence":0.9937084,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1180601567029953},{"word":"birth","start":106.104996,"end":106.345,"confidence":0.9906631,"punctuated_word":"birth,","sentiment":"neutral","sentiment_score":0.11520212143659592},{"word":"and","start":106.345,"end":106.505,"confidence":0.99975234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10967876017093658},{"word":"address","start":106.505,"end":106.905,"confidence":0.99961615,"punctuated_word":"address","sentiment":"neutral","sentiment_score":0.09992053359746932},{"word":"i","start":106.905,"end":106.985,"confidence":0.89571494,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13318029046058655},{"word":"should","start":106.985,"end":107.225,"confidence":0.99987626,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.16596896946430206},{"word":"have","start":107.225,"end":107.385,"confidence":0.9995788,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08543867617845535},{"word":"on","start":107.385,"end":107.625,"confidence":0.99981135,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08124756067991257},{"word":"file","start":107.625,"end":108.125,"confidence":0.9801136,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":0.05260325595736504},{"word":"perfect","start":118.2,"end":118.68,"confidence":0.9235823,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.7942050695419312},{"word":"thank","start":118.68,"end":118.92,"confidence":0.99971956,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8571181893348694},{"word":"you","start":118.92,"end":119.159996,"confidence":0.999777,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8631194829940796},{"word":"so","start":119.159996,"end":119.4,"confidence":0.9995461,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.827490508556366},{"word":"much","start":119.4,"end":119.72,"confidence":0.9999291,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8779637217521667},{"word":"for","start":119.72,"end":119.88,"confidence":0.99904174,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8502936363220215},{"word":"that","start":119.88,"end":120.119995,"confidence":0.99960595,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.8261737823486328},{"word":"now","start":120.119995,"end":120.36,"confidence":0.9931611,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.6465948820114136},{"word":"the","start":120.36,"end":120.6,"confidence":0.9861616,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5604835152626038},{"word":"email","start":120.6,"end":121.0,"confidence":0.99482006,"punctuated_word":"email","sentiment":"positive","sentiment_score":0.5333343148231506},{"word":"should","start":121.0,"end":121.24,"confidence":0.9993919,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.627427339553833},{"word":"come","start":121.24,"end":121.479996,"confidence":0.9996068,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.6317235231399536},{"word":"through","start":121.479996,"end":121.88,"confidence":0.99978095,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.575347363948822},{"word":"fairly","start":121.88,"end":122.38,"confidence":0.99847466,"punctuated_word":"fairly","sentiment":"positive","sentiment_score":0.5305590629577637},{"word":"quickly","start":122.52,"end":123.02,"confidence":0.99859947,"punctuated_word":"quickly.","sentiment":"positive","sentiment_score":0.5543547868728638},{"word":"i'm","start":123.24,"end":123.399994,"confidence":0.99985385,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.31278055906295776},{"word":"just","start":123.399994,"end":123.72,"confidence":0.99991703,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3034205734729767},{"word":"opening","start":123.72,"end":124.2,"confidence":0.9998135,"punctuated_word":"opening","sentiment":"neutral","sentiment_score":0.32106757164001465},{"word":"it","start":124.2,"end":124.36,"confidence":0.9988237,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.322121798992157},{"word":"back","start":124.36,"end":124.6,"confidence":0.9984578,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.361632764339447},{"word":"up","start":124.6,"end":124.759995,"confidence":0.99606735,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.3226785957813263},{"word":"on","start":124.759995,"end":124.92,"confidence":0.9920968,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3430401384830475},{"word":"my","start":124.92,"end":125.08,"confidence":0.99987614,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.3067721724510193},{"word":"end","start":125.08,"end":125.56,"confidence":0.9175232,"punctuated_word":"end.","sentiment":"neutral","sentiment_score":0.2857869267463684},{"word":"although","start":125.56,"end":125.88,"confidence":0.3664726,"punctuated_word":"Although","sentiment":"neutral","sentiment_score":0.009899049997329712},{"word":"technology","start":125.88,"end":126.38,"confidence":0.6971032,"punctuated_word":"technology","sentiment":"neutral","sentiment_score":-0.021610062569379807},{"word":"doesn't","start":126.439995,"end":126.68,"confidence":0.9759159,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.027854761108756065},{"word":"always","start":126.68,"end":127.0,"confidence":0.9957486,"punctuated_word":"always","sentiment":"neutral","sentiment_score":-0.050992194563150406},{"word":"like","start":127.0,"end":127.24,"confidence":0.98899686,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.059038449078798294},{"word":"this","start":127.24,"end":127.56,"confidence":0.74762034,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":-0.017911890521645546},{"word":"so","start":127.56,"end":127.72,"confidence":0.99719834,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.02820426225662231},{"word":"we'll","start":127.72,"end":127.96,"confidence":0.997522,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.04982638359069824},{"word":"see","start":127.96,"end":128.2,"confidence":0.999521,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.04084252566099167},{"word":"how","start":128.2,"end":128.36,"confidence":0.99860185,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.022768955677747726},{"word":"it","start":128.36,"end":128.625,"confidence":0.9937273,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.047978475689888},{"word":"goes","start":136.065,"end":136.565,"confidence":0.9706682,"punctuated_word":"goes.","sentiment":"neutral","sentiment_score":0.012505798600614073},{"word":"you're","start":136.625,"end":136.945,"confidence":0.91588473,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.10643933713436128},{"word":"right","start":136.945,"end":137.445,"confidence":0.8037923,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.100088469684124},{"word":"oh","start":164.015,"end":164.095,"confidence":0.82634306,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.1389862596988678},{"word":"that's","start":164.095,"end":164.415,"confidence":0.99872243,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1852537989616394},{"word":"okay","start":164.415,"end":164.895,"confidence":0.9997287,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.182330459356308},{"word":"if","start":164.895,"end":165.055,"confidence":0.99745315,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.15446001291275024},{"word":"you","start":165.055,"end":165.295,"confidence":0.99953496,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12716875970363617},{"word":"can't","start":165.295,"end":165.615,"confidence":0.99971366,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":0.10639993846416472},{"word":"look","start":165.615,"end":165.935,"confidence":0.99832946,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08748011291027069},{"word":"at","start":165.935,"end":166.015,"confidence":0.9953902,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10686928033828735},{"word":"it","start":166.015,"end":166.255,"confidence":0.99776065,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.12142884731292725},{"word":"i","start":166.255,"end":166.415,"confidence":0.9987413,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.18642644584178925},{"word":"can","start":166.415,"end":166.575,"confidence":0.99942917,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.13653291761875153},{"word":"always","start":166.575,"end":166.815,"confidence":0.9994332,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.15586858987808228},{"word":"just","start":166.815,"end":166.975,"confidence":0.9813773,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15772013366222382},{"word":"run","start":166.975,"end":167.19,"confidence":0.86936796,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.17899295687675476},{"word":"through","start":167.27,"end":167.59,"confidence":0.99878186,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.20065492391586304},{"word":"it","start":167.59,"end":167.63,"confidence":0.9895752,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.23576244711875916},{"word":"for","start":167.63,"end":167.67,"confidence":0.99979335,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21563595533370972},{"word":"you","start":167.67,"end":167.91,"confidence":0.90215456,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.18707431852817535},{"word":"and","start":167.91,"end":168.15001,"confidence":0.9998462,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17934264242649078},{"word":"then","start":168.15001,"end":168.31,"confidence":0.99993813,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.17305515706539154},{"word":"you're","start":168.31,"end":168.47,"confidence":0.999192,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2560140788555145},{"word":"welcome","start":168.47,"end":168.79001,"confidence":0.99958557,"punctuated_word":"welcome","sentiment":"neutral","sentiment_score":0.32667121291160583},{"word":"to","start":168.79001,"end":168.95,"confidence":0.998464,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31124716997146606},{"word":"review","start":168.95,"end":169.19,"confidence":0.9999454,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.2732749283313751},{"word":"it","start":169.19,"end":169.35,"confidence":0.99715793,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.262275367975235},{"word":"later","start":169.35,"end":169.59,"confidence":0.99992716,"punctuated_word":"later","sentiment":"neutral","sentiment_score":0.24492526054382324},{"word":"and","start":169.59,"end":169.75,"confidence":0.6241905,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2609749436378479},{"word":"let","start":169.75,"end":169.83,"confidence":0.9998299,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2724900245666504},{"word":"me","start":169.83,"end":169.91,"confidence":0.99883586,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.23244479298591617},{"word":"know","start":169.91,"end":170.07,"confidence":0.9998696,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2151569128036499},{"word":"if","start":170.07,"end":170.23,"confidence":0.9996413,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.22777658700942993},{"word":"you","start":170.23,"end":170.31,"confidence":0.99958473,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2504305839538574},{"word":"have","start":170.31,"end":170.47,"confidence":0.9997913,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21572016179561615},{"word":"any","start":170.47,"end":170.71,"confidence":0.9986816,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.19030167162418363},{"word":"questions","start":170.71,"end":171.03,"confidence":0.99950075,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.1677698940038681},{"word":"because","start":171.03,"end":171.35,"confidence":0.58238256,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.14633844792842865},{"word":"i","start":171.35,"end":171.43001,"confidence":0.99841213,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1661825031042099},{"word":"do","start":171.43001,"end":171.59,"confidence":0.9991941,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.12102457880973816},{"word":"want","start":171.59,"end":171.75,"confidence":0.9965449,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.09977762401103972},{"word":"you","start":171.75,"end":172.07,"confidence":0.9991197,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.062077004462480545},{"word":"to","start":172.07,"end":172.31,"confidence":0.9974475,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1062842383980751},{"word":"make","start":172.31,"end":172.63,"confidence":0.9877836,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.08928573131561279},{"word":"through","start":172.79001,"end":173.11,"confidence":0.48786214,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.13448096811771393},{"word":"it","start":173.11,"end":173.19,"confidence":0.9747843,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13898798823356628},{"word":"as","start":173.19,"end":173.35,"confidence":0.9996424,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12171363830566406},{"word":"well","start":173.35,"end":173.85,"confidence":0.99988186,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.09368279576301576},{"word":"what","start":174.15001,"end":174.47,"confidence":0.7230942,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.017976058647036552},{"word":"would","start":174.47,"end":174.71,"confidence":0.99979514,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.03389941528439522},{"word":"you","start":174.71,"end":174.87,"confidence":0.9964952,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03550945222377777},{"word":"like","start":174.87,"end":175.03,"confidence":0.99296993,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.02867465652525425},{"word":"me","start":175.03,"end":175.19,"confidence":0.9993969,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.03675473108887672},{"word":"to","start":175.19,"end":175.27,"confidence":0.97691137,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02556598000228405},{"word":"sort","start":175.27,"end":175.39001,"confidence":0.97017217,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.02822585590183735},{"word":"of","start":175.39001,"end":175.51001,"confidence":0.57295984,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.013171661645174026},{"word":"do","start":175.51001,"end":175.67,"confidence":0.90502477,"punctuated_word":"do?","sentiment":"neutral","sentiment_score":0.0211771447211504},{"word":"did","start":175.67,"end":175.83,"confidence":0.9816791,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.0038802027702331543},{"word":"you","start":175.83,"end":175.99,"confidence":0.98644304,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0037430506199598312},{"word":"wanna","start":175.99,"end":176.31,"confidence":0.9907899,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.00898247491568327},{"word":"open","start":176.31,"end":176.55,"confidence":0.9989592,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.011907843872904778},{"word":"it","start":176.55,"end":176.71,"confidence":0.98825735,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.016804412007331848},{"word":"first","start":176.71,"end":176.95,"confidence":0.9222321,"punctuated_word":"first,","sentiment":"neutral","sentiment_score":0.0033367667347192764},{"word":"or","start":176.95,"end":177.11,"confidence":0.99973136,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.001522179692983627},{"word":"did","start":177.11,"end":177.35,"confidence":0.99975044,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.004307163879275322},{"word":"you","start":177.35,"end":177.43001,"confidence":0.9985209,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010643480345606804},{"word":"want","start":177.43001,"end":177.67,"confidence":0.9987054,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.003695756196975708},{"word":"me","start":177.67,"end":177.83,"confidence":0.99989355,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.01928403787314892},{"word":"just","start":177.83,"end":177.99,"confidence":0.99497813,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.01453121192753315},{"word":"to","start":177.99,"end":178.15001,"confidence":0.9981468,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01278124563395977},{"word":"run","start":178.15001,"end":178.31,"confidence":0.999711,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.011972777545452118},{"word":"through","start":178.31,"end":178.55,"confidence":0.9993662,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.016234125941991806},{"word":"it","start":178.55,"end":179.05,"confidence":0.99846137,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":0.01979816146194935},{"word":"yep","start":181.495,"end":181.995,"confidence":0.88616055,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.011666012927889824},{"word":"yeah","start":183.495,"end":183.81499,"confidence":0.8033558,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20056839287281036},{"word":"perfect","start":183.81499,"end":184.215,"confidence":0.98690355,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3977256417274475},{"word":"when","start":184.215,"end":184.45499,"confidence":0.998588,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.1594914197921753},{"word":"you","start":184.45499,"end":184.53499,"confidence":0.99878246,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13859021663665771},{"word":"got","start":184.53499,"end":184.69499,"confidence":0.9833987,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.15058916807174683},{"word":"some","start":184.69499,"end":184.855,"confidence":0.9977912,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1270473450422287},{"word":"time","start":184.855,"end":185.09499,"confidence":0.99914336,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.1435912847518921},{"word":"later","start":185.09499,"end":185.59499,"confidence":0.9560928,"punctuated_word":"later,","sentiment":"neutral","sentiment_score":0.13113093376159668},{"word":"lay","start":185.655,"end":185.81499,"confidence":0.97737634,"punctuated_word":"lay","sentiment":"neutral","sentiment_score":0.13704054057598114},{"word":"down","start":185.81499,"end":185.97499,"confidence":0.99901307,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.14926932752132416},{"word":"with","start":185.97499,"end":186.215,"confidence":0.9993117,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.13999861478805542},{"word":"bob","start":186.215,"end":186.53499,"confidence":0.6794437,"punctuated_word":"Bob,","sentiment":"neutral","sentiment_score":0.13444755971431732},{"word":"have","start":186.53499,"end":186.69499,"confidence":0.9993413,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1726479530334473},{"word":"a","start":186.69499,"end":186.775,"confidence":0.99957937,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17672666907310486},{"word":"bit","start":186.775,"end":186.935,"confidence":0.99982893,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.19037529826164248},{"word":"of","start":186.935,"end":187.015,"confidence":0.9997806,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20900967717170715},{"word":"a","start":187.015,"end":187.17499,"confidence":0.99730587,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18350043892860413},{"word":"read","start":187.17499,"end":187.415,"confidence":0.7410253,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.13413630425930023},{"word":"while","start":187.415,"end":187.655,"confidence":0.99697673,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.10682383179664612},{"word":"you're","start":187.655,"end":187.89499,"confidence":0.9911798,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.15883183479309082},{"word":"nursing","start":187.89499,"end":188.295,"confidence":0.9982455,"punctuated_word":"nursing","sentiment":"neutral","sentiment_score":0.167612686753273},{"word":"bob","start":188.295,"end":188.69499,"confidence":0.87207747,"punctuated_word":"Bob.","sentiment":"neutral","sentiment_score":0.16526871919631958},{"word":"sounds","start":188.69499,"end":189.015,"confidence":0.9981375,"punctuated_word":"Sounds","sentiment":"positive","sentiment_score":0.3939233720302582},{"word":"good","start":189.015,"end":189.515,"confidence":0.99815756,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.2872883677482605},{"word":"absolutely","start":193.62,"end":194.12,"confidence":0.88480246,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.13511566817760468},{"word":"although","start":194.9,"end":195.3,"confidence":0.98691064,"punctuated_word":"Although","sentiment":"neutral","sentiment_score":0.01710885763168335},{"word":"it's","start":195.3,"end":195.54,"confidence":0.7951871,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.005694694817066193},{"word":"different","start":195.54,"end":195.94,"confidence":0.9808848,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.03066445142030716},{"word":"free","start":195.94,"end":196.26,"confidence":0.9860476,"punctuated_word":"free","sentiment":"neutral","sentiment_score":-0.026172660291194916},{"word":"time","start":196.26,"end":196.5,"confidence":0.969197,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":-0.03794024884700775},{"word":"isn't","start":196.5,"end":196.81999,"confidence":0.9997933,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.0053023118525743484},{"word":"it","start":196.81999,"end":197.06,"confidence":0.9994252,"punctuated_word":"it?","sentiment":"neutral","sentiment_score":-0.002521863207221031},{"word":"it's","start":197.06,"end":197.3,"confidence":0.99961317,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.02900969237089157},{"word":"like","start":197.3,"end":197.62,"confidence":0.8590735,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.015727531164884567},{"word":"you're","start":197.62,"end":197.78,"confidence":0.78580153,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.015373431146144869},{"word":"sitting","start":197.78,"end":198.09999,"confidence":0.9815726,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.0025986358523368835},{"word":"around","start":198.09999,"end":198.34,"confidence":0.9860364,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.007916361093521118},{"word":"doing","start":198.34,"end":198.58,"confidence":0.98830324,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.0010380074381828308},{"word":"nothing","start":198.58,"end":198.98,"confidence":0.9669194,"punctuated_word":"nothing,","sentiment":"neutral","sentiment_score":-0.02850889228284359},{"word":"but","start":198.98,"end":199.22,"confidence":0.9995432,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.0199987068772316},{"word":"you're","start":199.22,"end":199.54,"confidence":0.7704361,"punctuated_word":"you're,","sentiment":"neutral","sentiment_score":-0.0009660469368100166},{"word":"you","start":199.54,"end":199.62,"confidence":0.9819172,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.017021507024765015},{"word":"know","start":199.62,"end":199.94,"confidence":0.9982481,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.006876833736896515},{"word":"focused","start":199.94,"end":200.26,"confidence":0.97740287,"punctuated_word":"focused","sentiment":"neutral","sentiment_score":-0.010040611028671265},{"word":"on","start":200.26,"end":200.5,"confidence":0.99418133,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.029071003198623657},{"word":"what","start":200.5,"end":200.58,"confidence":0.9997236,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.02472458034753799},{"word":"you're","start":200.58,"end":200.81999,"confidence":0.99880254,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0017092613270506265},{"word":"doing","start":200.81999,"end":201.06,"confidence":0.99990284,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.017780303955078125},{"word":"at","start":201.06,"end":201.14,"confidence":0.9987587,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.001591108739376068},{"word":"the","start":201.14,"end":201.3,"confidence":0.88178533,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019475162029266357},{"word":"time","start":201.3,"end":201.54,"confidence":0.9986854,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.04549911245703697},{"word":"with","start":201.54,"end":201.7,"confidence":0.99933285,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.025272894650697708},{"word":"bobby","start":201.7,"end":202.18,"confidence":0.78869545,"punctuated_word":"Bobby.","sentiment":"neutral","sentiment_score":0.020572731271386147},{"word":"so","start":202.18,"end":202.42,"confidence":0.993518,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05242392420768738},{"word":"yeah","start":202.5,"end":203.0,"confidence":0.9992706,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.07366564869880676},{"word":"beautiful","start":205.565,"end":206.065,"confidence":0.9966123,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6046857833862305},{"word":"beautiful","start":206.125,"end":206.625,"confidence":0.9999094,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.5340973138809204},{"word":"well","start":207.245,"end":207.485,"confidence":0.8761496,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.21087495982646945},{"word":"i'll","start":207.485,"end":207.645,"confidence":0.9998356,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.22348931431770325},{"word":"run","start":207.645,"end":207.885,"confidence":0.9995826,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.22459904849529264},{"word":"through","start":207.885,"end":208.125,"confidence":0.9997707,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.24097709357738495},{"word":"this","start":208.125,"end":208.365,"confidence":0.99829787,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.22066695988178253},{"word":"document","start":208.365,"end":208.765,"confidence":0.99879223,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.24479861557483673},{"word":"for","start":208.765,"end":208.925,"confidence":0.9998945,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2494923770427704},{"word":"you","start":208.925,"end":209.165,"confidence":0.9998306,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2003467082977295},{"word":"i'll","start":209.165,"end":209.325,"confidence":0.99920845,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1793656945228577},{"word":"try","start":209.325,"end":209.565,"confidence":0.99961036,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.19521015882492063},{"word":"to","start":209.565,"end":209.645,"confidence":0.9923321,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2033088505268097},{"word":"sorta","start":209.645,"end":209.885,"confidence":0.75411046,"punctuated_word":"sorta","sentiment":"neutral","sentiment_score":0.2245851159095764},{"word":"hit","start":209.885,"end":210.125,"confidence":0.9986519,"punctuated_word":"hit","sentiment":"neutral","sentiment_score":0.23350535333156583},{"word":"the","start":210.125,"end":210.205,"confidence":0.9981179,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18176010251045227},{"word":"points","start":210.205,"end":210.44499,"confidence":0.80856,"punctuated_word":"points","sentiment":"neutral","sentiment_score":0.13541413843631744},{"word":"that","start":210.44499,"end":210.605,"confidence":0.99375015,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18017451465129852},{"word":"i","start":210.605,"end":210.765,"confidence":0.9975121,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1854688823223114},{"word":"absolutely","start":210.765,"end":211.265,"confidence":0.9993356,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.15239311754703522},{"word":"have","start":211.325,"end":211.485,"confidence":0.99940956,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.18357284367084503},{"word":"to","start":211.485,"end":211.725,"confidence":0.9957273,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.21514883637428284},{"word":"i'll","start":211.725,"end":211.965,"confidence":0.99995536,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.16699759662151337},{"word":"give","start":211.965,"end":212.125,"confidence":0.99995744,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1718821078538895},{"word":"you","start":212.125,"end":212.285,"confidence":0.9998952,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1918787956237793},{"word":"some","start":212.285,"end":212.525,"confidence":0.9998087,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.13940197229385376},{"word":"updates","start":212.525,"end":212.845,"confidence":0.9935086,"punctuated_word":"updates","sentiment":"neutral","sentiment_score":0.15867212414741516},{"word":"around","start":212.845,"end":213.08499,"confidence":0.9972535,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.17327407002449036},{"word":"it","start":213.08499,"end":213.245,"confidence":0.94852114,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.1525854468345642},{"word":"and","start":213.245,"end":213.405,"confidence":0.9997665,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17757417261600494},{"word":"then","start":213.405,"end":213.565,"confidence":0.9998971,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.1711876392364502},{"word":"you're","start":213.565,"end":213.645,"confidence":0.999202,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.23937241733074188},{"word":"welcome","start":213.645,"end":214.045,"confidence":0.99916506,"punctuated_word":"welcome","sentiment":"neutral","sentiment_score":0.2970151901245117},{"word":"to","start":214.045,"end":214.125,"confidence":0.9978473,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30126845836639404},{"word":"read","start":214.125,"end":214.285,"confidence":0.99857306,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.22759126126766205},{"word":"it","start":214.285,"end":214.44499,"confidence":0.99636745,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.24018748104572296},{"word":"through","start":214.44499,"end":214.685,"confidence":0.9943838,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":0.24528351426124573},{"word":"let","start":214.685,"end":214.845,"confidence":0.99990153,"punctuated_word":"Let","sentiment":"neutral","sentiment_score":0.1895260512828827},{"word":"me","start":214.845,"end":215.005,"confidence":0.99972457,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.19662052392959595},{"word":"know","start":215.005,"end":215.08499,"confidence":0.99985564,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.17039668560028076},{"word":"if","start":215.08499,"end":215.245,"confidence":0.9995197,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16203667223453522},{"word":"you","start":215.245,"end":215.405,"confidence":0.9994272,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19855013489723208},{"word":"do","start":215.405,"end":215.565,"confidence":0.99968934,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16984973847866058},{"word":"have","start":215.565,"end":215.725,"confidence":0.9958326,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16743940114974976},{"word":"any","start":215.725,"end":215.885,"confidence":0.9985268,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1585235446691513},{"word":"questions","start":215.885,"end":216.285,"confidence":0.9992519,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.1033419519662857},{"word":"in","start":216.285,"end":216.44499,"confidence":0.9621538,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10172294080257416},{"word":"the","start":216.44499,"end":216.605,"confidence":0.99982625,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09478509426116943},{"word":"meantime","start":216.605,"end":217.105,"confidence":0.9993758,"punctuated_word":"meantime.","sentiment":"neutral","sentiment_score":0.07081830501556396},{"word":"i","start":217.76,"end":217.92,"confidence":0.94016445,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0961935818195343},{"word":"don't","start":217.92,"end":218.31999,"confidence":0.9997783,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.07193876802921295},{"word":"work","start":218.31999,"end":218.56,"confidence":0.9998233,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.05961913987994194},{"word":"fridays","start":218.56,"end":218.95999,"confidence":0.9545513,"punctuated_word":"Fridays","sentiment":"neutral","sentiment_score":-0.07937219738960266},{"word":"because","start":218.95999,"end":219.12,"confidence":0.87089485,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1380031257867813},{"word":"it","start":219.12,"end":219.28,"confidence":0.9598815,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09153362363576888},{"word":"is","start":219.28,"end":219.44,"confidence":0.8703157,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0749589204788208},{"word":"my","start":219.44,"end":219.59999,"confidence":0.953046,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.09069911390542984},{"word":"day","start":219.59999,"end":219.68,"confidence":0.99499536,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.05289110913872719},{"word":"with","start":219.68,"end":219.84,"confidence":0.9956044,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.09138451516628264},{"word":"my","start":219.84,"end":220.0,"confidence":0.9995022,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.06466508656740189},{"word":"son","start":220.0,"end":220.31999,"confidence":0.99036795,"punctuated_word":"son.","sentiment":"neutral","sentiment_score":-0.0777290016412735},{"word":"however","start":220.31999,"end":220.64,"confidence":0.99976707,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.028267523273825645},{"word":"i","start":220.64,"end":220.72,"confidence":0.99997175,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.026909753680229187},{"word":"will","start":220.72,"end":220.87999,"confidence":0.9999572,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.017488546669483185},{"word":"be","start":220.87999,"end":221.04,"confidence":0.99991214,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.02592076361179352},{"word":"on","start":221.04,"end":221.2,"confidence":0.9994955,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.01670852303504944},{"word":"my","start":221.2,"end":221.28,"confidence":0.99952793,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.02880275249481201},{"word":"emails","start":221.28,"end":221.59999,"confidence":0.87290263,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":0.0007531531155109406},{"word":"tomorrow","start":221.59999,"end":221.92,"confidence":0.9961345,"punctuated_word":"tomorrow","sentiment":"neutral","sentiment_score":0.016644783318042755},{"word":"because","start":221.92,"end":222.16,"confidence":0.9554492,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.05064161494374275},{"word":"i","start":222.16,"end":222.23999,"confidence":0.9996075,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.039132166653871536},{"word":"have","start":222.23999,"end":222.31999,"confidence":0.9996092,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.04047798365354538},{"word":"a","start":222.31999,"end":222.4,"confidence":0.9988518,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.042174406349658966},{"word":"lot","start":222.4,"end":222.56,"confidence":0.9986559,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.03075508028268814},{"word":"of","start":222.56,"end":222.72,"confidence":0.9971058,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03959095850586891},{"word":"phonics","start":222.72,"end":223.2,"confidence":0.49767625,"punctuated_word":"phonics","sentiment":"neutral","sentiment_score":-0.03091820888221264},{"word":"to","start":223.2,"end":223.28,"confidence":0.99139225,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.018122762441635132},{"word":"write","start":223.28,"end":223.51999,"confidence":0.99340415,"punctuated_word":"write.","sentiment":"neutral","sentiment_score":-0.02621220424771309},{"word":"so","start":223.51999,"end":223.76,"confidence":0.99921,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.029029466211795807},{"word":"if","start":223.76,"end":223.92,"confidence":0.9983701,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.023289989680051804},{"word":"you","start":223.92,"end":224.08,"confidence":0.99981195,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01660379022359848},{"word":"do","start":224.08,"end":224.23999,"confidence":0.9995759,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.01728835329413414},{"word":"happen","start":224.23999,"end":224.64,"confidence":0.9994325,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.008878421038389206},{"word":"to","start":224.64,"end":224.8,"confidence":0.99926347,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1269301325082779},{"word":"have","start":224.8,"end":224.95999,"confidence":0.9999571,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.10542876273393632},{"word":"any","start":224.95999,"end":225.2,"confidence":0.999416,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.09665758907794952},{"word":"questions","start":225.2,"end":225.68,"confidence":0.99723315,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.11162680387496948},{"word":"you","start":225.68,"end":225.84,"confidence":0.99989104,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11928003281354904},{"word":"are","start":225.84,"end":226.08,"confidence":0.99976903,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1258425414562225},{"word":"welcome","start":226.08,"end":226.4,"confidence":0.9990395,"punctuated_word":"welcome","sentiment":"neutral","sentiment_score":0.2168864905834198},{"word":"to","start":226.4,"end":226.9,"confidence":0.99921954,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1608300358057022},{"word":"email","start":227.12,"end":227.44,"confidence":0.99925977,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.12576761841773987},{"word":"me","start":227.44,"end":227.68,"confidence":0.92400163,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.1558934450149536},{"word":"and","start":227.68,"end":227.92,"confidence":0.9997602,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17432495951652527},{"word":"i'll","start":227.92,"end":228.16,"confidence":0.99996704,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1865195333957672},{"word":"email","start":228.16,"end":228.48,"confidence":0.9997491,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.14575915038585663},{"word":"you","start":228.48,"end":228.72,"confidence":0.99938226,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.15580357611179352},{"word":"after","start":228.72,"end":228.95999,"confidence":0.9957417,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.1503193825483322},{"word":"the","start":228.95999,"end":229.12,"confidence":0.99935454,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15994803607463837},{"word":"call","start":229.12,"end":229.28,"confidence":0.98520696,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.14800894260406494},{"word":"that","start":229.28,"end":229.44,"confidence":0.9996494,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.20116972923278809},{"word":"way","start":229.44,"end":229.59999,"confidence":0.83159477,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.24115434288978577},{"word":"you've","start":229.59999,"end":229.84,"confidence":0.9880906,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.2718677520751953},{"word":"kinda","start":229.84,"end":230.08,"confidence":0.99141335,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.26429182291030884},{"word":"got","start":230.08,"end":230.31999,"confidence":0.99899787,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.259319931268692},{"word":"my","start":230.31999,"end":230.48,"confidence":0.9998012,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.22187532484531405},{"word":"email","start":230.48,"end":230.87999,"confidence":0.99984396,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.19707196950912476},{"word":"there","start":230.87999,"end":231.37999,"confidence":0.7976688,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1957993507385254},{"word":"and","start":231.725,"end":231.885,"confidence":0.9715333,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1436925083398819},{"word":"you're","start":231.885,"end":232.045,"confidence":0.9992813,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.22280138731002808},{"word":"welcome","start":232.045,"end":232.285,"confidence":0.99948967,"punctuated_word":"welcome","sentiment":"positive","sentiment_score":0.3618260622024536},{"word":"to","start":232.285,"end":232.44499,"confidence":0.99864954,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23344632983207703},{"word":"email","start":232.44499,"end":232.685,"confidence":0.99966335,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.1861141324043274},{"word":"me","start":232.685,"end":232.845,"confidence":0.9989766,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2035355269908905},{"word":"with","start":232.845,"end":233.08499,"confidence":0.99969614,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2521221935749054},{"word":"any","start":233.08499,"end":233.245,"confidence":0.999302,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2328955978155136},{"word":"questions","start":233.245,"end":233.745,"confidence":0.9993092,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.24117688834667209},{"word":"or","start":234.045,"end":234.285,"confidence":0.73987824,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.22100231051445007},{"word":"else","start":234.285,"end":234.525,"confidence":0.9652295,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.1763966977596283},{"word":"and","start":234.605,"end":234.925,"confidence":0.5837044,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15002788603305817},{"word":"i","start":234.925,"end":235.005,"confidence":0.9862911,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19421260058879852},{"word":"can","start":235.005,"end":235.245,"confidence":0.9605421,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.19641131162643433},{"word":"always","start":235.245,"end":235.485,"confidence":0.999154,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.22600045800209043},{"word":"make","start":235.485,"end":235.645,"confidence":0.9968928,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.15539070963859558},{"word":"time","start":235.645,"end":235.885,"confidence":0.99805826,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.189800888299942},{"word":"to","start":235.885,"end":235.965,"confidence":0.99843484,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18675321340560913},{"word":"follow-up","start":235.965,"end":236.44499,"confidence":0.9998854,"punctuated_word":"follow-up","sentiment":"neutral","sentiment_score":0.15788935124874115},{"word":"as","start":236.44499,"end":236.605,"confidence":0.99933356,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21464796364307404},{"word":"well","start":236.605,"end":236.925,"confidence":0.9997593,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1834582686424255},{"word":"okay","start":236.925,"end":237.425,"confidence":0.9661101,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.10920296609401704},{"word":"beautiful","start":238.925,"end":239.425,"confidence":0.99755895,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.799964427947998},{"word":"easy","start":239.805,"end":240.305,"confidence":0.9995848,"punctuated_word":"Easy.","sentiment":"positive","sentiment_score":0.6805484294891357},{"word":"now","start":240.845,"end":241.005,"confidence":0.97852623,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.3424675762653351},{"word":"the","start":241.005,"end":241.245,"confidence":0.9965733,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2991654872894287},{"word":"advice","start":241.245,"end":241.645,"confidence":0.93215805,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.31023862957954407},{"word":"document","start":241.645,"end":242.125,"confidence":0.997143,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.2414337247610092},{"word":"has","start":242.125,"end":242.365,"confidence":0.9903501,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.1843090057373047},{"word":"been","start":242.365,"end":242.525,"confidence":0.99960595,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.1839972585439682},{"word":"prepared","start":242.525,"end":242.925,"confidence":0.999081,"punctuated_word":"prepared","sentiment":"neutral","sentiment_score":0.15312182903289795},{"word":"for","start":242.925,"end":243.08499,"confidence":0.99948454,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13805152475833893},{"word":"yourself","start":243.08499,"end":243.485,"confidence":0.99663603,"punctuated_word":"yourself,","sentiment":"neutral","sentiment_score":0.18441416323184967},{"word":"tyler","start":243.485,"end":243.885,"confidence":0.7386801,"punctuated_word":"Tyler","sentiment":"neutral","sentiment_score":0.19747629761695865},{"word":"fuller","start":243.885,"end":244.285,"confidence":0.57039016,"punctuated_word":"Fuller,","sentiment":"neutral","sentiment_score":0.1622699350118637},{"word":"as","start":244.285,"end":244.525,"confidence":0.9993211,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1489943414926529},{"word":"of","start":244.525,"end":244.685,"confidence":0.9996668,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1195932999253273},{"word":"the","start":244.685,"end":244.845,"confidence":0.9987471,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1436854898929596},{"word":"march","start":244.845,"end":245.245,"confidence":0.9414172,"punctuated_word":"March","sentiment":"neutral","sentiment_score":0.1451244354248047},{"word":"18","start":245.245,"end":245.64499,"confidence":0.9414172,"punctuated_word":"18.","sentiment":"neutral","sentiment_score":0.17909587919712067},{"word":"we","start":245.645,"end":245.805,"confidence":0.94890267,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.17880533635616302},{"word":"did","start":245.805,"end":246.03,"confidence":0.9870309,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.2048242390155792},{"word":"finalize","start":246.03,"end":246.26999,"confidence":0.98471427,"punctuated_word":"finalize","sentiment":"neutral","sentiment_score":0.2337484210729599},{"word":"it","start":246.26999,"end":246.51,"confidence":0.97753775,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.280495822429657},{"word":"yesterday","start":246.51,"end":247.01,"confidence":0.9995839,"punctuated_word":"yesterday","sentiment":"neutral","sentiment_score":0.2931746244430542},{"word":"for","start":247.06999,"end":247.31,"confidence":0.99982005,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2771140933036804},{"word":"you","start":247.31,"end":247.79,"confidence":0.77276635,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.22162723541259768},{"word":"prepared","start":248.11,"end":248.51,"confidence":0.9894879,"punctuated_word":"Prepared","sentiment":"neutral","sentiment_score":0.10112252831459044},{"word":"by","start":248.51,"end":248.67,"confidence":0.99734795,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.10807657986879347},{"word":"myself","start":248.67,"end":249.06999,"confidence":0.9899804,"punctuated_word":"myself,","sentiment":"neutral","sentiment_score":0.13609939813613892},{"word":"dana","start":249.06999,"end":249.47,"confidence":0.89042294,"punctuated_word":"Dana","sentiment":"neutral","sentiment_score":0.13662150502204895},{"word":"taylor","start":249.47,"end":249.79,"confidence":0.87308174,"punctuated_word":"Taylor.","sentiment":"neutral","sentiment_score":0.1285364180803299},{"word":"i'm","start":249.79,"end":249.95,"confidence":0.99832135,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.08045157045125961},{"word":"an","start":249.95,"end":250.11,"confidence":0.99671495,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06924280524253845},{"word":"authorized","start":250.11,"end":250.59,"confidence":0.9982401,"punctuated_word":"authorized","sentiment":"neutral","sentiment_score":0.08356203883886337},{"word":"representative","start":250.59,"end":251.09,"confidence":0.99931216,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.07187873870134354},{"word":"under","start":251.23,"end":251.55,"confidence":0.9595105,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.10985948890447617},{"word":"oakview","start":251.55,"end":252.03,"confidence":0.5934175,"punctuated_word":"Oakview","sentiment":"neutral","sentiment_score":0.09725496172904968},{"word":"financial","start":252.03,"end":252.53,"confidence":0.96761876,"punctuated_word":"Financial,","sentiment":"neutral","sentiment_score":0.11234283447265624},{"word":"and","start":252.59,"end":252.75,"confidence":0.99968183,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08541689813137054},{"word":"my","start":252.75,"end":252.99,"confidence":0.99979717,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1246257796883583},{"word":"representative","start":252.99,"end":253.49,"confidence":0.9995553,"punctuated_word":"representative","sentiment":"neutral","sentiment_score":0.07301455736160278},{"word":"license","start":253.70999,"end":254.19,"confidence":0.9818829,"punctuated_word":"license","sentiment":"neutral","sentiment_score":0.0984765812754631},{"word":"number","start":254.19,"end":254.59,"confidence":0.9995455,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.10271519422531128},{"word":"registered","start":254.59,"end":255.06999,"confidence":0.9582816,"punctuated_word":"registered","sentiment":"neutral","sentiment_score":0.10433144867420197},{"word":"through","start":255.06999,"end":255.39,"confidence":0.9863375,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.11356295645236968},{"word":"asic","start":255.39,"end":255.79,"confidence":0.7137297,"punctuated_word":"ASIC","sentiment":"neutral","sentiment_score":0.102775938808918},{"word":"is","start":255.79,"end":255.95,"confidence":0.995924,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13855484127998352},{"word":"1304394","start":255.95,"end":258.255,"confidence":0.99966353,"punctuated_word":"1304394.","sentiment":"neutral","sentiment_score":0.1431446373462677},{"word":"the","start":259.215,"end":259.375,"confidence":0.9602751,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.27453309297561646},{"word":"advice","start":259.375,"end":259.695,"confidence":0.97341126,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.3114956319332123},{"word":"has","start":259.695,"end":259.935,"confidence":0.9987388,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.30223333835601807},{"word":"been","start":259.935,"end":260.095,"confidence":0.9997286,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.34921738505363464},{"word":"provided","start":260.095,"end":260.495,"confidence":0.9997458,"punctuated_word":"provided","sentiment":"positive","sentiment_score":0.34777018427848816},{"word":"in","start":260.495,"end":260.655,"confidence":0.99854386,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3654293417930603},{"word":"best","start":260.655,"end":260.89502,"confidence":0.9257796,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.38305240869522095},{"word":"interest","start":260.89502,"end":261.295,"confidence":0.9231357,"punctuated_word":"interest,","sentiment":"positive","sentiment_score":0.4542529284954071},{"word":"making","start":261.295,"end":261.535,"confidence":0.99977463,"punctuated_word":"making","sentiment":"positive","sentiment_score":0.4282915592193603},{"word":"sure","start":261.535,"end":261.775,"confidence":0.99978465,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.4590938985347748},{"word":"we're","start":261.775,"end":261.935,"confidence":0.9988462,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.4616628885269165},{"word":"here","start":261.935,"end":262.095,"confidence":0.9990233,"punctuated_word":"here","sentiment":"positive","sentiment_score":0.4724019169807434},{"word":"to","start":262.095,"end":262.255,"confidence":0.99891376,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4564180672168732},{"word":"meet","start":262.255,"end":262.415,"confidence":0.9933014,"punctuated_word":"meet","sentiment":"positive","sentiment_score":0.4567222893238067},{"word":"your","start":262.415,"end":262.655,"confidence":0.99934,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4614323675632477},{"word":"goals","start":262.655,"end":263.155,"confidence":0.9935121,"punctuated_word":"goals.","sentiment":"neutral","sentiment_score":0.3227068781852722},{"word":"the","start":264.015,"end":264.17502,"confidence":0.97726417,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.19662457704544067},{"word":"advice","start":264.17502,"end":264.495,"confidence":0.99787104,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1625477969646454},{"word":"will","start":264.495,"end":264.655,"confidence":0.9971119,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.17678458988666534},{"word":"need","start":264.655,"end":264.815,"confidence":0.9925712,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.19638648629188535},{"word":"to","start":264.815,"end":264.975,"confidence":0.998955,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1760798543691635},{"word":"be","start":264.975,"end":265.055,"confidence":0.9987941,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.16143673658370972},{"word":"updated","start":265.055,"end":265.535,"confidence":0.9994746,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.14334213733673096},{"word":"moving","start":265.535,"end":265.855,"confidence":0.99595815,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.19697752594947815},{"word":"forward","start":265.855,"end":266.015,"confidence":0.99370533,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.25972282886505127},{"word":"there","start":266.015,"end":266.255,"confidence":0.9996563,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.20649906992912292},{"word":"as","start":266.255,"end":266.415,"confidence":0.9997278,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1859797239303589},{"word":"well","start":266.415,"end":266.655,"confidence":0.7718551,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.18166668713092804},{"word":"and","start":266.655,"end":266.815,"confidence":0.9994848,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.21833257377147677},{"word":"i","start":266.815,"end":266.975,"confidence":0.9990646,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2446727752685547},{"word":"do","start":266.975,"end":267.135,"confidence":0.9997538,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2322690635919571},{"word":"know","start":267.135,"end":267.375,"confidence":0.9977641,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.24399353563785553},{"word":"your","start":267.375,"end":267.535,"confidence":0.99570245,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1962389498949051},{"word":"birthday","start":267.535,"end":267.935,"confidence":0.99967,"punctuated_word":"birthday","sentiment":"neutral","sentiment_score":0.1882958710193634},{"word":"is","start":267.935,"end":268.17502,"confidence":0.9994698,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.20943424105644223},{"word":"tomorrow","start":268.17502,"end":268.575,"confidence":0.92850256,"punctuated_word":"tomorrow,","sentiment":"neutral","sentiment_score":0.22482329607009888},{"word":"so","start":268.575,"end":268.89502,"confidence":0.9996339,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2300407588481903},{"word":"happy","start":268.89502,"end":269.135,"confidence":0.9987436,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.38917890191078186},{"word":"birthday","start":269.135,"end":269.535,"confidence":0.9994929,"punctuated_word":"birthday","sentiment":"neutral","sentiment_score":0.3324820101261139},{"word":"for","start":269.535,"end":269.775,"confidence":0.998367,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2728305160999298},{"word":"tomorrow","start":269.775,"end":270.275,"confidence":0.9984329,"punctuated_word":"tomorrow.","sentiment":"neutral","sentiment_score":0.2891875207424164},{"word":"i","start":272.58,"end":272.66,"confidence":0.9145681,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.21408718824386597},{"word":"hope","start":272.66,"end":273.16,"confidence":0.7996337,"punctuated_word":"hope.","sentiment":"neutral","sentiment_score":0.19993431866168976},{"word":"that's","start":278.02,"end":278.41998,"confidence":0.8098743,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0827207863330841},{"word":"okay","start":278.41998,"end":278.9,"confidence":0.99693143,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.024498865008354187},{"word":"i","start":278.9,"end":279.06,"confidence":0.99968696,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1167966201901436},{"word":"just","start":279.06,"end":279.3,"confidence":0.9982494,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10432979464530943},{"word":"don't","start":279.3,"end":279.46,"confidence":0.9991211,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.12842941284179688},{"word":"want","start":279.46,"end":279.62,"confidence":0.9959636,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.20165416598320007},{"word":"anyone","start":279.62,"end":279.94,"confidence":0.99920183,"punctuated_word":"anyone","sentiment":"neutral","sentiment_score":-0.20643728971481323},{"word":"to","start":279.94,"end":280.1,"confidence":0.99495006,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19526198506355288},{"word":"ever","start":280.1,"end":280.34,"confidence":0.9982528,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.15856529772281647},{"word":"think","start":280.34,"end":280.58,"confidence":0.9946063,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.19716811180114743},{"word":"that","start":280.58,"end":280.74,"confidence":0.9424504,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13762451708316803},{"word":"they're","start":280.74,"end":280.9,"confidence":0.984218,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.13070344924926758},{"word":"not","start":280.9,"end":281.13998,"confidence":0.99696285,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1208079755306244},{"word":"able","start":281.13998,"end":281.46,"confidence":0.9979765,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.12110550701618196},{"word":"to","start":281.46,"end":281.54,"confidence":0.99388874,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10580664873123168},{"word":"contact","start":281.54,"end":281.94,"confidence":0.99981135,"punctuated_word":"contact","sentiment":"neutral","sentiment_score":-0.18051663041114807},{"word":"me","start":281.94,"end":282.1,"confidence":0.9998221,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.07694311439990997},{"word":"on","start":282.1,"end":282.34,"confidence":0.99990976,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.11246562004089355},{"word":"fridays","start":282.34,"end":282.82,"confidence":0.9848925,"punctuated_word":"Fridays.","sentiment":"neutral","sentiment_score":-0.1328963190317154},{"word":"i","start":282.82,"end":282.97998,"confidence":0.9997527,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02738434635102749},{"word":"do","start":282.97998,"end":283.13998,"confidence":0.9999336,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.008249420672655106},{"word":"work","start":283.13998,"end":283.38,"confidence":0.9995309,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.004782091826200485},{"word":"monday","start":283.38,"end":283.62,"confidence":0.9983146,"punctuated_word":"Monday","sentiment":"neutral","sentiment_score":-0.007255282253026962},{"word":"to","start":283.62,"end":283.86,"confidence":0.9723822,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005818676203489304},{"word":"thursday","start":283.86,"end":284.26,"confidence":0.9996164,"punctuated_word":"Thursday","sentiment":"neutral","sentiment_score":0.005105137825012207},{"word":"and","start":284.26,"end":284.41998,"confidence":0.9726867,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0000824853777885437},{"word":"work","start":284.41998,"end":284.66,"confidence":0.9995448,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.0031787939369678497},{"word":"longer","start":284.66,"end":285.06,"confidence":0.99965596,"punctuated_word":"longer","sentiment":"neutral","sentiment_score":0.010452374815940855},{"word":"hours","start":285.06,"end":285.3,"confidence":0.80662394,"punctuated_word":"hours,","sentiment":"neutral","sentiment_score":0.00922670029103756},{"word":"so","start":285.3,"end":285.46,"confidence":0.9953004,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.024640437215566635},{"word":"i","start":285.46,"end":285.54,"confidence":0.998941,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.030195705592632297},{"word":"get","start":285.54,"end":285.69998,"confidence":0.9987477,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.01733509451150894},{"word":"friday","start":285.69998,"end":286.1,"confidence":0.92964625,"punctuated_word":"Friday","sentiment":"neutral","sentiment_score":0.009179659187793732},{"word":"with","start":286.1,"end":286.26,"confidence":0.9998097,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.00848616287112236},{"word":"my","start":286.26,"end":286.5,"confidence":0.9997886,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.019793327897787098},{"word":"son","start":286.5,"end":286.74,"confidence":0.9725817,"punctuated_word":"son.","sentiment":"neutral","sentiment_score":0.016888562589883804},{"word":"but","start":286.74,"end":287.145,"confidence":0.99975437,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.00034410320222377777},{"word":"most","start":287.305,"end":287.54498,"confidence":0.9994199,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.0013259649276733398},{"word":"fridays","start":287.54498,"end":287.94498,"confidence":0.9643841,"punctuated_word":"Fridays,","sentiment":"neutral","sentiment_score":-0.026410860940814015},{"word":"i'm","start":287.94498,"end":288.10498,"confidence":0.99898815,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.019346317276358604},{"word":"on","start":288.10498,"end":288.345,"confidence":0.99973494,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.012246597558259964},{"word":"my","start":288.345,"end":288.50497,"confidence":0.9997038,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.013542257249355316},{"word":"email","start":288.50497,"end":288.82498,"confidence":0.7388717,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":-0.005125151947140694},{"word":"you","start":288.82498,"end":288.985,"confidence":0.68786764,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.0025482848286628723},{"word":"can","start":288.985,"end":289.145,"confidence":0.99931777,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.008486490696668625},{"word":"ask","start":289.145,"end":289.38498,"confidence":0.9984529,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.011334076523780824},{"word":"maddie","start":289.38498,"end":289.705,"confidence":0.9535489,"punctuated_word":"Maddie.","sentiment":"neutral","sentiment_score":0.0008143646409735084},{"word":"i'm","start":289.705,"end":289.865,"confidence":0.99975276,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.009983474388718603},{"word":"always","start":289.865,"end":290.185,"confidence":0.9998876,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.002382975071668625},{"word":"on","start":290.185,"end":290.345,"confidence":0.9989662,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.004953686147928238},{"word":"my","start":290.345,"end":290.50497,"confidence":0.9997327,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.011255234479904177},{"word":"email","start":290.50497,"end":290.82498,"confidence":0.9484672,"punctuated_word":"email","sentiment":"neutral","sentiment_score":-0.001802489161491394},{"word":"sort","start":290.82498,"end":291.065,"confidence":0.48334762,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.009818974882364271},{"word":"of","start":291.065,"end":291.22498,"confidence":0.84291977,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.008994214236736298},{"word":"doing","start":291.22498,"end":291.465,"confidence":0.99823797,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.004211127758026123},{"word":"something","start":291.465,"end":291.785,"confidence":0.99912494,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.009358998388051988},{"word":"anyway","start":291.785,"end":292.26498,"confidence":0.90819603,"punctuated_word":"anyway,","sentiment":"neutral","sentiment_score":-0.009163936600089071},{"word":"but","start":292.26498,"end":292.425,"confidence":0.9997925,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.02711128070950508},{"word":"i","start":292.425,"end":292.50497,"confidence":0.99989057,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07805970311164856},{"word":"never","start":292.50497,"end":292.745,"confidence":0.99957246,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.11460382491350174},{"word":"want","start":292.745,"end":292.985,"confidence":0.9898145,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.16147765517234802},{"word":"anyone","start":292.985,"end":293.22498,"confidence":0.9948902,"punctuated_word":"anyone","sentiment":"neutral","sentiment_score":-0.14029711484909058},{"word":"to","start":293.22498,"end":293.305,"confidence":0.9940818,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1181212067604065},{"word":"feel","start":293.305,"end":293.54498,"confidence":0.9944342,"punctuated_word":"feel","sentiment":"neutral","sentiment_score":-0.13581225275993347},{"word":"like","start":293.54498,"end":293.625,"confidence":0.9277687,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.11658954620361328},{"word":"they","start":293.625,"end":293.865,"confidence":0.99944466,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.14367029070854187},{"word":"can't","start":293.865,"end":294.185,"confidence":0.9579934,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.08744929730892181},{"word":"contact","start":294.185,"end":294.66498,"confidence":0.99951756,"punctuated_word":"contact","sentiment":"neutral","sentiment_score":-0.1537647694349289},{"word":"me","start":294.66498,"end":294.82498,"confidence":0.9723484,"punctuated_word":"me.","sentiment":"neutral","sentiment_score":-0.03592798858880997},{"word":"but","start":294.82498,"end":295.305,"confidence":0.9997398,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.026771750301122665},{"word":"i","start":295.305,"end":295.465,"confidence":0.9994211,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03496287763118744},{"word":"hope","start":295.465,"end":295.705,"confidence":0.99994195,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":0.06136764958500862},{"word":"you","start":295.705,"end":295.865,"confidence":0.9995907,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25629863142967224},{"word":"just","start":295.865,"end":296.10498,"confidence":0.9995721,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.27729150652885437},{"word":"enjoy","start":296.10498,"end":296.50497,"confidence":0.99983287,"punctuated_word":"enjoy","sentiment":"positive","sentiment_score":0.366157591342926},{"word":"your","start":296.50497,"end":296.66498,"confidence":0.9998004,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3429875671863556},{"word":"birthday","start":296.66498,"end":296.985,"confidence":0.99983835,"punctuated_word":"birthday","sentiment":"positive","sentiment_score":0.4364098608493805},{"word":"and","start":296.985,"end":297.22498,"confidence":0.8301877,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.32711946964263916},{"word":"hopefully","start":297.22498,"end":297.54498,"confidence":0.72895163,"punctuated_word":"hopefully","sentiment":"positive","sentiment_score":0.3698420226573944},{"word":"go","start":297.54498,"end":297.705,"confidence":0.9092309,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.4213029742240906},{"word":"out","start":297.705,"end":297.78497,"confidence":0.84317976,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.4030701816082001},{"word":"for","start":297.78497,"end":297.94498,"confidence":0.9713075,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2789282500743866},{"word":"dinner","start":297.94498,"end":298.26498,"confidence":0.999739,"punctuated_word":"dinner","sentiment":"neutral","sentiment_score":0.16863146424293518},{"word":"or","start":298.26498,"end":298.425,"confidence":0.9846718,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.19348746538162231},{"word":"do","start":298.425,"end":298.66498,"confidence":0.9929838,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.23640963435173035},{"word":"something","start":298.66498,"end":299.065,"confidence":0.9993098,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.23789112269878387},{"word":"fun","start":299.065,"end":299.565,"confidence":0.99965405,"punctuated_word":"fun.","sentiment":"neutral","sentiment_score":0.20351189374923703},{"word":"fantastic","start":303.57,"end":304.07,"confidence":0.99876535,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.5932118892669678},{"word":"fantastic","start":304.21002,"end":304.71002,"confidence":0.9996894,"punctuated_word":"Fantastic.","sentiment":"positive","sentiment_score":0.47693032026290894},{"word":"with","start":306.05002,"end":306.37003,"confidence":0.61582714,"punctuated_word":"With","sentiment":"neutral","sentiment_score":0.13841453194618225},{"word":"the","start":306.37003,"end":306.45,"confidence":0.99455357,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1116541624069214},{"word":"scope","start":306.45,"end":306.77002,"confidence":0.9982174,"punctuated_word":"scope","sentiment":"neutral","sentiment_score":0.11911378055810928},{"word":"of","start":306.77002,"end":306.85,"confidence":0.9853904,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11714976280927658},{"word":"the","start":306.85,"end":307.01,"confidence":0.99947006,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13791769742965698},{"word":"advice","start":307.01,"end":307.33002,"confidence":0.96776843,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.10112695395946504},{"word":"we","start":307.33002,"end":307.49002,"confidence":0.9993954,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07346336543560028},{"word":"have","start":307.49002,"end":307.73,"confidence":0.9914419,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.062294185161590576},{"word":"scoped","start":307.73,"end":307.97,"confidence":0.8661915,"punctuated_word":"scoped","sentiment":"neutral","sentiment_score":0.05551029369235039},{"word":"in","start":307.97,"end":308.21002,"confidence":0.75911474,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1347956657409668},{"word":"superannuation","start":308.21002,"end":308.71002,"confidence":0.94839317,"punctuated_word":"superannuation.","sentiment":"neutral","sentiment_score":0.09464633464813232},{"word":"so","start":309.01,"end":309.17,"confidence":0.99946386,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0417795404791832},{"word":"when","start":309.17,"end":309.33002,"confidence":0.99955386,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.008509911596775055},{"word":"we","start":309.33002,"end":309.57,"confidence":0.999648,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.01366565003991127},{"word":"sort","start":309.57,"end":309.73,"confidence":0.97989035,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.004294350743293762},{"word":"of","start":309.73,"end":309.89,"confidence":0.93154216,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.006242632865905762},{"word":"touched","start":309.89,"end":310.13,"confidence":0.73203087,"punctuated_word":"touched","sentiment":"neutral","sentiment_score":0.00984681025147438},{"word":"base","start":310.13,"end":310.45,"confidence":0.99527466,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.01068352535367012},{"word":"last","start":310.45,"end":310.61002,"confidence":0.9965732,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.03457482159137726},{"word":"time","start":310.61002,"end":310.85,"confidence":0.9989976,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.061173178255558014},{"word":"to","start":310.85,"end":311.01,"confidence":0.98990333,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09152889251708984},{"word":"do","start":311.01,"end":311.09003,"confidence":0.9948767,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09990237653255464},{"word":"your","start":311.09003,"end":311.25,"confidence":0.94304365,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10339429974555968},{"word":"review","start":311.25,"end":311.57,"confidence":0.99774754,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.030603889375925064},{"word":"there","start":311.57,"end":311.73,"confidence":0.9995881,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.0702119693160057},{"word":"were","start":311.73,"end":311.89,"confidence":0.60485107,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.11396259069442748},{"word":"some","start":311.89,"end":312.05002,"confidence":0.9989613,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.17476347088813782},{"word":"underperforming","start":312.05002,"end":312.55002,"confidence":0.9939455,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.1666603982448578},{"word":"assets","start":312.85,"end":313.25,"confidence":0.9124934,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":-0.18678849935531616},{"word":"i","start":313.25,"end":313.33002,"confidence":0.9447041,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11794283986091614},{"word":"wanted","start":313.33002,"end":313.65002,"confidence":0.9991628,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.10826854407787324},{"word":"to","start":313.65002,"end":313.81,"confidence":0.999716,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09791722148656844},{"word":"have","start":313.81,"end":313.97,"confidence":0.9998584,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.05754400044679642},{"word":"those","start":313.97,"end":314.29,"confidence":0.9997247,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.19979512691497803},{"word":"removed","start":314.29,"end":314.69,"confidence":0.86174786,"punctuated_word":"removed.","sentiment":"neutral","sentiment_score":-0.07264743745326996},{"word":"so","start":314.69,"end":314.85,"confidence":0.99782085,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.043086398392915726},{"word":"i've","start":314.85,"end":315.01,"confidence":0.99942935,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.04729461669921875},{"word":"looked","start":315.01,"end":315.25,"confidence":0.99979347,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.03723194822669029},{"word":"at","start":315.25,"end":315.41,"confidence":0.99914217,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.021909251809120175},{"word":"how","start":315.41,"end":315.65002,"confidence":0.9996929,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.06971599161624908},{"word":"to","start":315.65002,"end":315.73,"confidence":0.9988844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09200406074523926},{"word":"adjust","start":315.73,"end":316.095,"confidence":0.99875486,"punctuated_word":"adjust","sentiment":"neutral","sentiment_score":0.0794702097773552},{"word":"the","start":316.175,"end":316.415,"confidence":0.95032734,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13849720358848572},{"word":"portfolio","start":316.415,"end":316.815,"confidence":0.995381,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.011061444878578186},{"word":"to","start":316.815,"end":316.975,"confidence":0.9982912,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15057766437530518},{"word":"make","start":316.975,"end":317.135,"confidence":0.9999082,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.142998605966568},{"word":"sure","start":317.135,"end":317.375,"confidence":0.9995177,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1538303792476654},{"word":"they","start":317.375,"end":317.615,"confidence":0.99918705,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.07528374344110489},{"word":"are","start":317.615,"end":317.775,"confidence":0.991504,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.13828006386756897},{"word":"removed","start":317.775,"end":318.095,"confidence":0.99965715,"punctuated_word":"removed","sentiment":"neutral","sentiment_score":0.052833303809165955},{"word":"and","start":318.095,"end":318.255,"confidence":0.9759823,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19399753212928772},{"word":"keep","start":318.255,"end":318.495,"confidence":0.74003977,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2700173258781433},{"word":"you","start":318.495,"end":318.655,"confidence":0.93297523,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3197113871574402},{"word":"on","start":318.655,"end":318.815,"confidence":0.9990791,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.3264352083206177},{"word":"track","start":318.815,"end":319.135,"confidence":0.99793124,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.3086632490158081},{"word":"to","start":319.135,"end":319.215,"confidence":0.92947763,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28099513053894043},{"word":"meeting","start":319.215,"end":319.455,"confidence":0.994863,"punctuated_word":"meeting","sentiment":"neutral","sentiment_score":0.3158920407295227},{"word":"your","start":319.455,"end":319.695,"confidence":0.9976579,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3045005202293396},{"word":"goal","start":319.695,"end":320.195,"confidence":0.7764672,"punctuated_word":"goal.","sentiment":"neutral","sentiment_score":0.11227908730506896},{"word":"we","start":321.535,"end":321.695,"confidence":0.66948503,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.007355306297540665},{"word":"also","start":321.695,"end":322.095,"confidence":0.9971884,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.000038232654333114624},{"word":"looked","start":322.095,"end":322.335,"confidence":0.9884211,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.0028265714645385742},{"word":"at","start":322.335,"end":322.575,"confidence":0.9997601,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.025424066931009293},{"word":"the","start":322.575,"end":322.975,"confidence":0.999703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04392525553703308},{"word":"child","start":322.975,"end":323.295,"confidence":0.994599,"punctuated_word":"child","sentiment":"neutral","sentiment_score":-0.042691878974437714},{"word":"trauma","start":323.295,"end":323.615,"confidence":0.99830914,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.07101134955883026},{"word":"policy","start":323.615,"end":324.115,"confidence":0.81588304,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":-0.014774471521377563},{"word":"so","start":324.175,"end":324.415,"confidence":0.9946201,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0056481268256902695},{"word":"oscar","start":324.415,"end":324.895,"confidence":0.938694,"punctuated_word":"Oscar","sentiment":"neutral","sentiment_score":0.007911531254649162},{"word":"is","start":324.895,"end":325.135,"confidence":0.9982315,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.010039154440164566},{"word":"now","start":325.135,"end":325.535,"confidence":0.99885464,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.015590405091643332},{"word":"two","start":325.535,"end":326.035,"confidence":0.93193036,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":-0.01916327327489853},{"word":"i've","start":326.575,"end":326.815,"confidence":0.97226703,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.05535425990819931},{"word":"looked","start":326.815,"end":327.135,"confidence":0.99967754,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":-0.021804340183734897},{"word":"at","start":327.135,"end":327.295,"confidence":0.998547,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.02851393073797226},{"word":"how","start":327.295,"end":327.535,"confidence":0.9983877,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.0019064918160438535},{"word":"to","start":327.535,"end":327.615,"confidence":0.99678063,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00248534232378006},{"word":"structure","start":327.615,"end":328.095,"confidence":0.99924207,"punctuated_word":"structure","sentiment":"neutral","sentiment_score":0.059363555163145065},{"word":"a","start":328.095,"end":328.2975,"confidence":0.8541167,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04640016332268715},{"word":"child","start":328.2975,"end":328.5,"confidence":0.9974286,"punctuated_word":"child","sentiment":"neutral","sentiment_score":-0.0008739456534385681},{"word":"trauma","start":328.66,"end":328.98,"confidence":0.99794406,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.05086994916200638},{"word":"policy","start":328.98,"end":329.38,"confidence":0.9998167,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.05896624177694321},{"word":"for","start":329.38,"end":329.62,"confidence":0.99985826,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13198184967041016},{"word":"a","start":329.62,"end":329.78,"confidence":0.9987907,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09932240098714828},{"word":"100,000","start":329.78,"end":330.42,"confidence":0.9989456,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":0.12067437171936037},{"word":"to","start":330.42,"end":330.58,"confidence":0.99818987,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12001395225524902},{"word":"make","start":330.58,"end":330.74,"confidence":0.9999646,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1376763880252838},{"word":"it","start":330.74,"end":330.9,"confidence":0.9984749,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08479806035757065},{"word":"cost","start":330.9,"end":331.14,"confidence":0.9993518,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.061795108020305634},{"word":"effective","start":331.14,"end":331.64,"confidence":0.99913377,"punctuated_word":"effective","sentiment":"neutral","sentiment_score":0.11923294514417648},{"word":"for","start":331.7,"end":331.86,"confidence":0.999796,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12418166548013689},{"word":"you","start":331.86,"end":332.1,"confidence":0.9997032,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.051605865359306335},{"word":"because","start":332.1,"end":332.34,"confidence":0.40291196,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0040675923228263855},{"word":"i","start":332.34,"end":332.42,"confidence":0.99040926,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.023143820464611053},{"word":"know","start":332.42,"end":332.66,"confidence":0.99974793,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.02650465816259384},{"word":"with","start":332.66,"end":332.82,"confidence":0.99058175,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05945644527673721},{"word":"your","start":332.82,"end":333.32,"confidence":0.9986331,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04947888106107712},{"word":"other","start":333.7,"end":334.02,"confidence":0.97521144,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.0838622897863388},{"word":"insurance","start":334.02,"end":334.42,"confidence":0.9999021,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.09076830744743349},{"word":"policy","start":334.42,"end":334.9,"confidence":0.964944,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":-0.059727877378463745},{"word":"you","start":334.9,"end":335.06,"confidence":0.9997527,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07944674789905548},{"word":"have","start":335.06,"end":335.22,"confidence":0.9722453,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0859651267528534},{"word":"just","start":335.22,"end":335.38,"confidence":0.89372736,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.09679363667964937},{"word":"gone","start":335.38,"end":335.7,"confidence":0.9985525,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.07467859983444214},{"word":"through","start":335.7,"end":335.86,"confidence":0.991799,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.06308003515005112},{"word":"renewals","start":335.86,"end":336.34,"confidence":0.6949503,"punctuated_word":"renewals.","sentiment":"neutral","sentiment_score":-0.11306741088628768},{"word":"so","start":336.34,"end":336.5,"confidence":0.6480126,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.12831038236618042},{"word":"your","start":336.5,"end":336.66,"confidence":0.99711835,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.24019090831279755},{"word":"policy","start":336.66,"end":337.06,"confidence":0.9997727,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.23681843280792236},{"word":"has","start":337.06,"end":337.38,"confidence":0.9997477,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.2010945826768875},{"word":"increased","start":337.38,"end":337.7,"confidence":0.86251706,"punctuated_word":"increased","sentiment":"neutral","sentiment_score":-0.18257826566696167},{"word":"in","start":337.7,"end":337.94,"confidence":0.9897447,"punctuated_word":"in","sentiment":"negative","sentiment_score":-0.34012699127197266},{"word":"cost","start":337.94,"end":338.26,"confidence":0.8236359,"punctuated_word":"cost","sentiment":"negative","sentiment_score":-0.3335893154144287},{"word":"a","start":338.26,"end":338.42,"confidence":0.9990557,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.30452004075050354},{"word":"little","start":338.42,"end":338.66,"confidence":0.9999615,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.2875077426433563},{"word":"bit","start":338.66,"end":338.82,"confidence":0.9997155,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.35536497831344604},{"word":"there","start":338.82,"end":338.98,"confidence":0.9991406,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.3135742247104645},{"word":"as","start":338.98,"end":339.14,"confidence":0.99953747,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.2139257788658142},{"word":"well","start":339.14,"end":339.3,"confidence":0.9987204,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.19522452354431152},{"word":"you're","start":339.3,"end":339.54,"confidence":0.99918824,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.1030648872256279},{"word":"paying","start":339.54,"end":339.78,"confidence":0.9996319,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.11098039150238036},{"word":"a","start":339.78,"end":339.86,"confidence":0.9978144,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.11012525111436844},{"word":"bit","start":339.86,"end":340.02,"confidence":0.99969673,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.11525209248065948},{"word":"more","start":340.02,"end":340.18,"confidence":0.9995028,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.158998504281044},{"word":"out","start":340.18,"end":340.34,"confidence":0.99713033,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.22167767584323883},{"word":"of","start":340.34,"end":340.42,"confidence":0.99350244,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.275501012802124},{"word":"pocket","start":340.42,"end":340.74,"confidence":0.9993449,"punctuated_word":"pocket","sentiment":"neutral","sentiment_score":-0.23942679166793823},{"word":"now","start":340.74,"end":341.24,"confidence":0.9987711,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":-0.1754831075668335},{"word":"yeah","start":343.865,"end":344.265,"confidence":0.97105366,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.024592405185103416},{"word":"so","start":344.265,"end":344.505,"confidence":0.99795616,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.013981543481349943},{"word":"those","start":344.505,"end":344.825,"confidence":0.997806,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.044763267040252686},{"word":"policies","start":344.825,"end":345.325,"confidence":0.9983082,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.018425583839416504},{"word":"are","start":345.385,"end":345.625,"confidence":0.9679524,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.03354136273264885},{"word":"steps","start":345.625,"end":345.945,"confidence":0.9193556,"punctuated_word":"steps.","sentiment":"neutral","sentiment_score":0.039337724447250366},{"word":"i'll","start":345.945,"end":346.185,"confidence":0.990741,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08936074376106262},{"word":"go","start":346.185,"end":346.345,"confidence":0.99970144,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.12978744506835938},{"word":"through","start":346.345,"end":346.505,"confidence":0.99888676,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09446847438812256},{"word":"it","start":346.505,"end":346.665,"confidence":0.95873654,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.08762745559215546},{"word":"with","start":346.665,"end":346.905,"confidence":0.9995252,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11488630622625352},{"word":"you","start":346.905,"end":347.065,"confidence":0.9997571,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09853680431842804},{"word":"as","start":347.065,"end":347.225,"confidence":0.9999052,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11413558572530746},{"word":"well","start":347.225,"end":347.545,"confidence":0.78553975,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.0780152976512909},{"word":"but","start":347.545,"end":347.865,"confidence":0.7453178,"punctuated_word":"but,","sentiment":"neutral","sentiment_score":0.024202341213822365},{"word":"essentially","start":347.865,"end":348.345,"confidence":0.9614853,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.006163544021546841},{"word":"they","start":348.345,"end":348.425,"confidence":0.46802276,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.011347852647304537},{"word":"are","start":348.425,"end":348.665,"confidence":0.9870134,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.019734717905521393},{"word":"steps","start":348.665,"end":348.98502,"confidence":0.9859897,"punctuated_word":"steps.","sentiment":"neutral","sentiment_score":-0.00014792196452617645},{"word":"they","start":348.98502,"end":349.145,"confidence":0.99320704,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.07045860588550568},{"word":"do","start":349.145,"end":349.465,"confidence":0.9933448,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.08549994975328445},{"word":"increase","start":349.465,"end":349.865,"confidence":0.7697236,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.09465297311544418},{"word":"in","start":349.865,"end":350.025,"confidence":0.99714583,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.17723363637924194},{"word":"cost","start":350.025,"end":350.425,"confidence":0.81207395,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.15067359805107117},{"word":"every","start":350.425,"end":350.665,"confidence":0.9998927,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.14607858657836914},{"word":"year","start":350.665,"end":350.905,"confidence":0.80189705,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.14584502577781677},{"word":"so","start":350.905,"end":350.98502,"confidence":0.98272014,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.10222286731004716},{"word":"that's","start":350.98502,"end":351.145,"confidence":0.98358,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.09175577014684676},{"word":"why","start":351.145,"end":351.305,"confidence":0.99936014,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.04305581375956535},{"word":"it's","start":351.305,"end":351.385,"confidence":0.9995712,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.022459782660007477},{"word":"important","start":351.385,"end":351.865,"confidence":0.99943954,"punctuated_word":"important","sentiment":"neutral","sentiment_score":-0.03121199458837509},{"word":"we","start":351.865,"end":352.025,"confidence":0.9654925,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.027726873755455017},{"word":"do","start":352.025,"end":352.185,"confidence":0.9941706,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.03154821693897247},{"word":"kinda","start":352.185,"end":352.505,"confidence":0.9478122,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":0.010460276156663896},{"word":"review","start":352.505,"end":352.905,"confidence":0.99980193,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.007719352841377258},{"word":"those","start":352.905,"end":353.145,"confidence":0.99936026,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.013998255133628843},{"word":"with","start":353.145,"end":353.305,"confidence":0.99938715,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.031206727027893063},{"word":"you","start":353.305,"end":353.545,"confidence":0.99973434,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0001266002655029297},{"word":"to","start":353.545,"end":353.70502,"confidence":0.9982077,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.013783998787403108},{"word":"make","start":353.70502,"end":353.865,"confidence":0.9999459,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.004479080438613892},{"word":"sure","start":353.865,"end":354.105,"confidence":0.9996507,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.02664901316165924},{"word":"the","start":354.105,"end":354.185,"confidence":0.99878377,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018118664622306824},{"word":"level","start":354.185,"end":354.425,"confidence":0.99998665,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.01616569608449936},{"word":"of","start":354.425,"end":354.585,"confidence":0.99966097,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0030566230416297913},{"word":"cover","start":354.585,"end":354.905,"confidence":0.9929885,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.03372380882501602},{"word":"is","start":354.905,"end":355.065,"confidence":0.9998313,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0634278804063797},{"word":"what","start":355.065,"end":355.305,"confidence":0.99987555,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.065679170191288},{"word":"you're","start":355.305,"end":355.545,"confidence":0.99913603,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.05037345737218857},{"word":"after","start":355.545,"end":356.045,"confidence":0.99962234,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.03849475830793381},{"word":"so","start":356.29,"end":356.45,"confidence":0.7015725,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.029534921050071716},{"word":"that","start":356.45,"end":356.61002,"confidence":0.9999124,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.061457499861717224},{"word":"you're","start":356.61002,"end":356.77002,"confidence":0.99979866,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.028526468202471733},{"word":"not","start":356.77002,"end":357.01,"confidence":0.9992055,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.15122489631175995},{"word":"paying","start":357.01,"end":357.33002,"confidence":0.99986696,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.2314706593751907},{"word":"too","start":357.33002,"end":357.49,"confidence":0.99971026,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.22337350249290464},{"word":"much","start":357.49,"end":357.73,"confidence":0.999967,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.2545722723007202},{"word":"as","start":357.73,"end":357.89,"confidence":0.99978894,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.2166268229484558},{"word":"well","start":357.89,"end":358.05002,"confidence":0.99995124,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.21819140017032623},{"word":"because","start":358.05002,"end":358.37,"confidence":0.5141274,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.16921831667423248},{"word":"now","start":358.37,"end":358.61002,"confidence":0.7045244,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.2406810224056244},{"word":"having","start":358.61002,"end":358.85,"confidence":0.99296933,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.2782893180847168},{"word":"two","start":358.85,"end":359.09,"confidence":0.9926721,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.30287790298461914},{"word":"kids","start":359.09,"end":359.49,"confidence":0.99806017,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":-0.24947743117809296},{"word":"expenditure","start":359.49,"end":359.99,"confidence":0.5324386,"punctuated_word":"expenditure","sentiment":"neutral","sentiment_score":-0.2801445722579956},{"word":"does","start":360.13,"end":360.45,"confidence":0.99563956,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.2347162663936615},{"word":"go","start":360.45,"end":360.61002,"confidence":0.9995647,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.27110373973846436},{"word":"up","start":360.61002,"end":361.11002,"confidence":0.8146416,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.24806073307991028},{"word":"so","start":361.49,"end":361.65,"confidence":0.8709536,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.13311630487442017},{"word":"out","start":361.65,"end":361.81,"confidence":0.99040854,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.19821079075336456},{"word":"of","start":361.81,"end":361.89,"confidence":0.99742305,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.18627798557281497},{"word":"pocket","start":361.89,"end":362.29,"confidence":0.9987029,"punctuated_word":"pocket","sentiment":"neutral","sentiment_score":-0.23718184232711792},{"word":"expenses","start":362.29,"end":362.79,"confidence":0.99817824,"punctuated_word":"expenses","sentiment":"neutral","sentiment_score":-0.15352442860603333},{"word":"do","start":362.85,"end":363.01,"confidence":0.9961765,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.10966579616069794},{"word":"need","start":363.01,"end":363.25,"confidence":0.99807215,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.081971675157547},{"word":"to","start":363.25,"end":363.41,"confidence":0.9997807,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10198485106229782},{"word":"be","start":363.41,"end":363.57,"confidence":0.9998921,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.12275508791208269},{"word":"considered","start":363.57,"end":364.07,"confidence":0.9987936,"punctuated_word":"considered.","sentiment":"neutral","sentiment_score":-0.16770289838314056},{"word":"okay","start":364.29,"end":364.79,"confidence":0.92754227,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":-0.002567686140537262},{"word":"scraping","start":366.93,"end":367.33002,"confidence":0.9338991,"punctuated_word":"Scraping","sentiment":"neutral","sentiment_score":-0.025334078818559647},{"word":"out","start":367.33002,"end":367.49,"confidence":0.99637455,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.07099037617444992},{"word":"of","start":367.49,"end":367.65,"confidence":0.99414957,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06767161190509796},{"word":"the","start":367.65,"end":367.73,"confidence":0.9989236,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06187128275632858},{"word":"advice","start":367.73,"end":368.13,"confidence":0.80017555,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":-0.08338015526533127},{"word":"so","start":368.13,"end":368.29,"confidence":0.9712237,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.06520842760801315},{"word":"we're","start":368.29,"end":368.45,"confidence":0.9987737,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.06194294244050979},{"word":"not","start":368.45,"end":368.61002,"confidence":0.9990176,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.06793764233589172},{"word":"looking","start":368.61002,"end":368.93,"confidence":0.9979401,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.08386413753032684},{"word":"at","start":368.93,"end":369.17,"confidence":0.98191744,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.13062068819999695},{"word":"any","start":369.17,"end":369.49,"confidence":0.9928167,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.11107278615236282},{"word":"personal","start":369.49,"end":369.89,"confidence":0.9882327,"punctuated_word":"personal","sentiment":"neutral","sentiment_score":-0.10889435559511185},{"word":"investment","start":369.89,"end":370.275,"confidence":0.76240045,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.09827399998903276},{"word":"or","start":370.35498,"end":370.51498,"confidence":0.9836579,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.1337023377418518},{"word":"cash","start":370.51498,"end":370.675,"confidence":0.9725902,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":-0.13468581438064575},{"word":"flow","start":370.675,"end":370.755,"confidence":0.7793244,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":-0.03801117092370987},{"word":"and","start":370.755,"end":370.915,"confidence":0.47738189,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0755821019411087},{"word":"budgeting","start":370.915,"end":371.315,"confidence":0.9989008,"punctuated_word":"budgeting","sentiment":"neutral","sentiment_score":-0.08226893842220306},{"word":"at","start":371.315,"end":371.475,"confidence":0.9970036,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1278497725725174},{"word":"the","start":371.475,"end":371.555,"confidence":0.99911314,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1169380396604538},{"word":"moment","start":371.555,"end":371.955,"confidence":0.99687564,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.11339062452316284},{"word":"one","start":371.955,"end":372.115,"confidence":0.9997826,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.006317749619483948},{"word":"of","start":372.115,"end":372.275,"confidence":0.9920706,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02893393486738205},{"word":"your","start":372.275,"end":372.435,"confidence":0.9988906,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.013363882899284365},{"word":"medium","start":372.435,"end":372.835,"confidence":0.9988617,"punctuated_word":"medium","sentiment":"neutral","sentiment_score":0.03434266895055771},{"word":"term","start":372.835,"end":373.07498,"confidence":0.9989349,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.1311482936143875},{"word":"goals","start":373.07498,"end":373.475,"confidence":0.9906839,"punctuated_word":"goals","sentiment":"neutral","sentiment_score":0.03715129196643829},{"word":"is","start":373.475,"end":373.715,"confidence":0.99989855,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08042101562023163},{"word":"to","start":373.715,"end":374.215,"confidence":0.9989465,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1302036494016647},{"word":"purchase","start":374.275,"end":374.595,"confidence":0.827913,"punctuated_word":"purchase","sentiment":"neutral","sentiment_score":0.12076364457607268},{"word":"another","start":374.595,"end":374.995,"confidence":0.999705,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.10481693595647812},{"word":"property","start":374.995,"end":375.395,"confidence":0.99967396,"punctuated_word":"property","sentiment":"neutral","sentiment_score":0.1190720945596695},{"word":"and","start":375.395,"end":375.555,"confidence":0.99442226,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14160104095935822},{"word":"turn","start":375.555,"end":375.79498,"confidence":0.9992698,"punctuated_word":"turn","sentiment":"neutral","sentiment_score":0.2041880190372467},{"word":"your","start":375.79498,"end":375.875,"confidence":0.99966514,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12834981083869934},{"word":"home","start":375.875,"end":376.035,"confidence":0.99982953,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.11393005400896072},{"word":"into","start":376.035,"end":376.35498,"confidence":0.9995266,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.19147104024887085},{"word":"an","start":376.35498,"end":376.51498,"confidence":0.99959415,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.14726704359054563},{"word":"investment","start":376.51498,"end":377.01498,"confidence":0.85654426,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.0728691816329956},{"word":"and","start":377.235,"end":377.315,"confidence":0.9595911,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06395703554153442},{"word":"you're","start":377.315,"end":377.555,"confidence":0.9964448,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.059358011931180954},{"word":"also","start":377.555,"end":377.79498,"confidence":0.99772567,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0791076123714447},{"word":"looking","start":377.79498,"end":378.115,"confidence":0.99969363,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.047645241022109985},{"word":"to","start":378.115,"end":378.195,"confidence":0.9995554,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0670042634010315},{"word":"do","start":378.195,"end":378.35498,"confidence":0.9993486,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05221422016620636},{"word":"some","start":378.35498,"end":378.595,"confidence":0.9980234,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.051725439727306366},{"word":"renovations","start":378.595,"end":379.095,"confidence":0.99899334,"punctuated_word":"renovations","sentiment":"neutral","sentiment_score":0.10432595759630205},{"word":"down","start":379.155,"end":379.315,"confidence":0.9992822,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0885174572467804},{"word":"the","start":379.315,"end":379.475,"confidence":0.99924254,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07154478132724762},{"word":"track","start":379.475,"end":379.715,"confidence":0.9966078,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.05755472183227539},{"word":"as","start":379.715,"end":379.875,"confidence":0.9998425,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.07065858691930771},{"word":"well","start":379.875,"end":380.115,"confidence":0.99125206,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.02748880162835121},{"word":"but","start":380.115,"end":380.595,"confidence":0.99954766,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.0688251256942749},{"word":"if","start":380.595,"end":380.755,"confidence":0.9959189,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06923682242631912},{"word":"you","start":380.755,"end":380.91498,"confidence":0.99990654,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0567665733397007},{"word":"needed","start":380.91498,"end":381.235,"confidence":0.99925095,"punctuated_word":"needed","sentiment":"neutral","sentiment_score":0.05413162708282471},{"word":"any","start":381.235,"end":381.395,"confidence":0.99966025,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.06072894483804703},{"word":"cash","start":381.395,"end":381.63498,"confidence":0.99683607,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.03895718604326248},{"word":"flow","start":381.63498,"end":381.79498,"confidence":0.96633005,"punctuated_word":"flow","sentiment":"neutral","sentiment_score":0.0788058489561081},{"word":"and","start":381.79498,"end":381.955,"confidence":0.8923855,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.034778837114572525},{"word":"budgeting","start":381.955,"end":382.35498,"confidence":0.9990316,"punctuated_word":"budgeting","sentiment":"neutral","sentiment_score":0.043262578547000885},{"word":"or","start":382.35498,"end":382.51498,"confidence":0.99433774,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.04391280934214592},{"word":"other","start":382.51498,"end":382.755,"confidence":0.99942696,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.026679158210754395},{"word":"advice","start":382.755,"end":383.235,"confidence":0.9964887,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.04329388961195946},{"word":"you","start":383.235,"end":383.395,"confidence":0.99927455,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06639859080314636},{"word":"let","start":383.395,"end":383.63498,"confidence":0.9993771,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.07786966860294342},{"word":"me","start":383.63498,"end":383.715,"confidence":0.99980205,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.0935387685894966},{"word":"know","start":383.715,"end":383.955,"confidence":0.994058,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.10154709219932556},{"word":"you're","start":383.955,"end":384.115,"confidence":0.99578524,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.17984464764595032},{"word":"an","start":384.115,"end":384.275,"confidence":0.9973218,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2329646348953247},{"word":"ongoing","start":384.275,"end":384.755,"confidence":0.9989072,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.2530696988105774},{"word":"client","start":384.755,"end":384.995,"confidence":0.86896825,"punctuated_word":"client,","sentiment":"neutral","sentiment_score":0.2350148856639862},{"word":"so","start":384.995,"end":385.235,"confidence":0.9998123,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2209528386592865},{"word":"i","start":385.235,"end":385.315,"confidence":0.9999027,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.27772852778434753},{"word":"can","start":385.315,"end":385.555,"confidence":0.99991155,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2760583460330963},{"word":"certainly","start":385.555,"end":385.875,"confidence":0.99951243,"punctuated_word":"certainly","sentiment":"positive","sentiment_score":0.3521965742111206},{"word":"help","start":385.875,"end":386.25,"confidence":0.99947995,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.2359151542186737},{"word":"you","start":386.25,"end":386.49,"confidence":0.9981489,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.19446438550949097},{"word":"moving","start":386.49,"end":386.73,"confidence":0.99586666,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.2513013184070587},{"word":"forward","start":386.73,"end":386.97,"confidence":0.9979304,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.2424018234014511},{"word":"with","start":386.97,"end":387.21,"confidence":0.9998233,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17433752119541168},{"word":"other","start":387.21,"end":387.45,"confidence":0.9994795,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1376674473285675},{"word":"areas","start":387.45,"end":387.77,"confidence":0.9998797,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.15338990092277527},{"word":"of","start":387.77,"end":388.01,"confidence":0.9983576,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1226710006594658},{"word":"advice","start":388.01,"end":388.51,"confidence":0.99745643,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.07517340779304504},{"word":"okay","start":388.57,"end":389.07,"confidence":0.9865027,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.08049078285694122},{"word":"perfect","start":390.09,"end":390.59,"confidence":0.99526906,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.35675865411758423},{"word":"now","start":391.61,"end":392.01,"confidence":0.697374,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.19901305437088013},{"word":"with","start":392.01,"end":392.25,"confidence":0.9922959,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12148204445838928},{"word":"the","start":392.25,"end":392.75,"confidence":0.99820745,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13462302088737488},{"word":"with","start":393.37,"end":393.53,"confidence":0.9971284,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12159668654203416},{"word":"your","start":393.53,"end":393.77,"confidence":0.9985777,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12000846117734908},{"word":"assets","start":393.77,"end":394.01,"confidence":0.99799454,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.09257975220680235},{"word":"and","start":394.01,"end":394.25,"confidence":0.99929094,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06443631649017334},{"word":"liabilities","start":394.25,"end":394.75,"confidence":0.99648654,"punctuated_word":"liabilities,","sentiment":"neutral","sentiment_score":0.061178360134363174},{"word":"i","start":394.81,"end":394.89,"confidence":0.9587921,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1304081529378891},{"word":"have","start":394.89,"end":395.13,"confidence":0.9998987,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13097313046455383},{"word":"those","start":395.13,"end":395.37,"confidence":0.9962947,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.11254922300577164},{"word":"noted","start":395.37,"end":395.77,"confidence":0.9989768,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.11299958825111388},{"word":"in","start":395.77,"end":395.93,"confidence":0.9998456,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12158982455730438},{"word":"here","start":395.93,"end":396.17,"confidence":0.999846,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.13791953027248385},{"word":"for","start":396.17,"end":396.33,"confidence":0.9998652,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1171182319521904},{"word":"you","start":396.33,"end":396.49,"confidence":0.99979514,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11214028298854828},{"word":"at","start":396.49,"end":396.73,"confidence":0.9992174,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08786053955554962},{"word":"the","start":396.73,"end":396.89,"confidence":0.9966683,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10030555725097656},{"word":"current","start":396.89,"end":397.13,"confidence":0.999509,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.08354105800390244},{"word":"level","start":397.13,"end":397.45,"confidence":0.9999603,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.09800203144550323},{"word":"that","start":397.45,"end":397.61,"confidence":0.99977785,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11746808141469955},{"word":"we","start":397.61,"end":397.77,"confidence":0.99985003,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.110707625746727},{"word":"sort","start":397.77,"end":398.01,"confidence":0.937702,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.1043522208929062},{"word":"of","start":398.01,"end":398.17,"confidence":0.7338009,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11909140646457672},{"word":"discussed","start":398.17,"end":398.49,"confidence":0.9875658,"punctuated_word":"discussed","sentiment":"neutral","sentiment_score":0.1353219449520111},{"word":"in","start":398.49,"end":398.65,"confidence":0.98981535,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1152833253145218},{"word":"the","start":398.65,"end":398.73,"confidence":0.9107694,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10549145936965942},{"word":"annual","start":398.73,"end":399.13,"confidence":0.99631506,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.08115623891353607},{"word":"review","start":399.13,"end":399.63,"confidence":0.99732625,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.06836141645908356},{"word":"if","start":399.88498,"end":400.04498,"confidence":0.99974674,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.043793290853500366},{"word":"you","start":400.04498,"end":400.125,"confidence":0.9998559,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05247271806001663},{"word":"find","start":400.125,"end":400.365,"confidence":0.9990281,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.019973449409008023},{"word":"that","start":400.365,"end":400.525,"confidence":0.9658542,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03683727979660034},{"word":"there's","start":400.525,"end":400.845,"confidence":0.998458,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.003073108848184347},{"word":"any","start":400.845,"end":401.085,"confidence":0.99983037,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.029276512563228607},{"word":"discrepancy","start":401.085,"end":401.585,"confidence":0.9994578,"punctuated_word":"discrepancy","sentiment":"neutral","sentiment_score":-0.0758696123957634},{"word":"or","start":401.645,"end":401.88498,"confidence":0.961686,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.06867243349552155},{"word":"you","start":401.88498,"end":402.04498,"confidence":0.9998623,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04608762264251709},{"word":"would","start":402.04498,"end":402.205,"confidence":0.99989176,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0017341971397399902},{"word":"rather","start":402.205,"end":402.525,"confidence":0.99709857,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.03164444863796234},{"word":"change","start":402.525,"end":402.925,"confidence":0.9974657,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.004926316440105438},{"word":"those","start":402.925,"end":403.245,"confidence":0.9995913,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.013958193361759186},{"word":"asset","start":403.245,"end":403.645,"confidence":0.9987777,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":-0.05482105910778046},{"word":"values","start":403.645,"end":404.04498,"confidence":0.79230833,"punctuated_word":"values,","sentiment":"neutral","sentiment_score":-0.01028883457183838},{"word":"i","start":404.04498,"end":404.125,"confidence":0.55277616,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.044600747525691986},{"word":"know","start":404.125,"end":404.365,"confidence":0.88026613,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.036731719970703125},{"word":"the","start":404.365,"end":404.525,"confidence":0.98912233,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010813355445861816},{"word":"mortgage","start":404.525,"end":404.925,"confidence":0.9997533,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":-0.001495756208896637},{"word":"can","start":404.925,"end":405.16498,"confidence":0.99501145,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.017522066831588745},{"word":"fluctuate","start":405.16498,"end":405.66498,"confidence":0.99959815,"punctuated_word":"fluctuate","sentiment":"neutral","sentiment_score":0.03183239325881004},{"word":"with","start":405.72498,"end":405.88498,"confidence":0.98924327,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.00823264941573143},{"word":"you","start":405.88498,"end":406.04498,"confidence":0.99583685,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.00598309189081192},{"word":"know","start":406.04498,"end":406.205,"confidence":0.9995922,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.010834142565727234},{"word":"paying","start":406.205,"end":406.525,"confidence":0.999622,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.025040052831172943},{"word":"it","start":406.525,"end":406.685,"confidence":0.98659223,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.006791099905967712},{"word":"down","start":406.685,"end":406.925,"confidence":0.99977595,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.032285235822200775},{"word":"and","start":406.925,"end":407.085,"confidence":0.9499543,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.00490143895149231},{"word":"interest","start":407.085,"end":407.485,"confidence":0.9702497,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.0029966309666633606},{"word":"coming","start":407.485,"end":407.72498,"confidence":0.99937844,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.038751937448978424},{"word":"out","start":407.72498,"end":407.965,"confidence":0.96958935,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.01958530396223068},{"word":"and","start":407.965,"end":408.04498,"confidence":0.98853683,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.012349627912044523},{"word":"things","start":408.04498,"end":408.365,"confidence":0.99978215,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.015646018087863922},{"word":"like","start":408.365,"end":408.60498,"confidence":0.9995654,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.006864696741104126},{"word":"that","start":408.60498,"end":409.10498,"confidence":0.93747675,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.02115599811077118},{"word":"the","start":409.565,"end":409.805,"confidence":0.9982255,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.00733291357755661},{"word":"assets","start":409.805,"end":410.205,"confidence":0.96054053,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.019472762942314148},{"word":"and","start":410.205,"end":410.365,"confidence":0.99477696,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.016270585358142853},{"word":"liabilities","start":410.365,"end":410.865,"confidence":0.99921405,"punctuated_word":"liabilities","sentiment":"neutral","sentiment_score":-0.007552884519100189},{"word":"don't","start":411.00497,"end":411.245,"confidence":0.9985134,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.010654790326952934},{"word":"have","start":411.245,"end":411.405,"confidence":0.99981946,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03572719544172287},{"word":"an","start":411.405,"end":411.66,"confidence":0.999258,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.06217512488365173},{"word":"effect","start":411.74,"end":411.98,"confidence":0.96266437,"punctuated_word":"effect","sentiment":"neutral","sentiment_score":-0.05886737257242203},{"word":"on","start":411.98,"end":412.14,"confidence":0.9998785,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.040469929575920105},{"word":"the","start":412.14,"end":412.30002,"confidence":0.9998264,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.023534521460533146},{"word":"advice","start":412.30002,"end":412.7,"confidence":0.9832978,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.040632493793964386},{"word":"that","start":412.7,"end":412.86002,"confidence":0.9990823,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.01959427446126938},{"word":"we're","start":412.86002,"end":413.1,"confidence":0.99870634,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.032839175313711166},{"word":"providing","start":413.1,"end":413.58002,"confidence":0.9834861,"punctuated_word":"providing.","sentiment":"neutral","sentiment_score":0.0076247937977314},{"word":"however","start":413.58002,"end":413.98,"confidence":0.9996164,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.05318079888820648},{"word":"if","start":413.98,"end":414.14,"confidence":0.9997662,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11304173618555068},{"word":"you","start":414.14,"end":414.30002,"confidence":0.99986243,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08222200721502304},{"word":"would","start":414.30002,"end":414.46,"confidence":0.9999341,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.11311057955026628},{"word":"like","start":414.46,"end":414.62,"confidence":0.9997943,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.1172391027212143},{"word":"me","start":414.62,"end":414.78,"confidence":0.99919266,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1306721568107605},{"word":"to","start":414.78,"end":414.86002,"confidence":0.99855775,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.12039487063884736},{"word":"update","start":414.86002,"end":415.26,"confidence":0.99987316,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.06137256324291229},{"word":"those","start":415.26,"end":415.5,"confidence":0.99443036,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.04257435351610184},{"word":"in","start":415.5,"end":415.58002,"confidence":0.9675932,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1031031459569931},{"word":"the","start":415.58002,"end":415.66,"confidence":0.9985933,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07979614287614822},{"word":"back","start":415.66,"end":415.82,"confidence":0.94018334,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.08660658448934555},{"word":"end","start":415.82,"end":415.98,"confidence":0.99322075,"punctuated_word":"end,","sentiment":"neutral","sentiment_score":0.11089250445365906},{"word":"you","start":415.98,"end":416.14,"confidence":0.9992071,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14602544903755188},{"word":"can","start":416.14,"end":416.30002,"confidence":0.9997651,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1365252584218979},{"word":"let","start":416.30002,"end":416.46,"confidence":0.9999193,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.14645633101463318},{"word":"me","start":416.46,"end":416.62,"confidence":0.9996693,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.13377651572227478},{"word":"know","start":416.62,"end":416.78,"confidence":0.99103373,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.15444301068782806},{"word":"i","start":416.78,"end":416.94,"confidence":0.9999248,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16324344277381897},{"word":"can","start":416.94,"end":417.1,"confidence":0.9997725,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1739640235900879},{"word":"make","start":417.1,"end":417.34,"confidence":0.99961334,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.16568374633789062},{"word":"a","start":417.34,"end":417.42,"confidence":0.9966658,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16635096073150635},{"word":"note","start":417.42,"end":417.66,"confidence":0.99987507,"punctuated_word":"note","sentiment":"neutral","sentiment_score":0.14426016807556152},{"word":"of","start":417.66,"end":417.82,"confidence":0.99882096,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14473868906497955},{"word":"any","start":417.82,"end":418.06,"confidence":0.99972016,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1268891543149948},{"word":"changes","start":418.06,"end":418.38,"confidence":0.9990213,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.0747738778591156},{"word":"to","start":418.38,"end":418.54,"confidence":0.99040914,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08099889755249023},{"word":"your","start":418.54,"end":418.7,"confidence":0.9963282,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05330581218004227},{"word":"assets","start":418.7,"end":419.02,"confidence":0.9924695,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":-0.006551004946231842},{"word":"and","start":419.02,"end":419.1,"confidence":0.993958,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05655699223279953},{"word":"liabilities","start":419.1,"end":419.6,"confidence":0.998064,"punctuated_word":"liabilities","sentiment":"neutral","sentiment_score":0.01669931784272194},{"word":"that","start":419.66,"end":419.82,"confidence":0.99806744,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1517583727836609},{"word":"we","start":419.82,"end":419.98,"confidence":0.9991848,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11825438588857652},{"word":"do","start":419.98,"end":420.22,"confidence":0.9990246,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15038476884365082},{"word":"have","start":420.22,"end":420.38,"confidence":0.9991755,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13767650723457336},{"word":"noted","start":420.38,"end":420.78,"confidence":0.9993942,"punctuated_word":"noted","sentiment":"neutral","sentiment_score":0.06949194520711899},{"word":"in","start":420.78,"end":420.94,"confidence":0.9997352,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12337636947631836},{"word":"the","start":420.94,"end":421.02,"confidence":0.99970883,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0895376205444336},{"word":"advice","start":421.02,"end":421.42,"confidence":0.9698039,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.04108009487390518},{"word":"document","start":421.42,"end":421.9,"confidence":0.8540753,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.06000491976737976},{"word":"there","start":421.9,"end":422.22,"confidence":0.9995727,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.11144903302192688},{"word":"as","start":422.22,"end":422.38,"confidence":0.9997962,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13311150670051575},{"word":"well","start":422.38,"end":422.7,"confidence":0.9997269,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.08099688589572906},{"word":"okay","start":422.7,"end":423.2,"confidence":0.72195256,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.06966236978769302},{"word":"perfect","start":424.785,"end":425.285,"confidence":0.9712043,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3734189867973328},{"word":"now","start":425.825,"end":426.14502,"confidence":0.7275968,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.25495874881744385},{"word":"as","start":426.14502,"end":426.30502,"confidence":0.9712994,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.23370417952537537},{"word":"of","start":426.30502,"end":426.46503,"confidence":0.7528947,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1993078589439392},{"word":"the","start":426.46503,"end":426.545,"confidence":0.9949039,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18466177582740784},{"word":"time","start":426.545,"end":426.70502,"confidence":0.99941254,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.17543311417102814},{"word":"we","start":426.70502,"end":426.86502,"confidence":0.9898948,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17422929406166077},{"word":"provided","start":426.86502,"end":427.265,"confidence":0.9946898,"punctuated_word":"provided","sentiment":"neutral","sentiment_score":0.15682506561279297},{"word":"the","start":427.265,"end":427.42502,"confidence":0.9994312,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13701064884662628},{"word":"advice","start":427.42502,"end":427.825,"confidence":0.98946816,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.13488070666790009},{"word":"document","start":427.825,"end":428.225,"confidence":0.91398144,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.12881994247436523},{"word":"the","start":428.225,"end":428.385,"confidence":0.9982717,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11895230412483215},{"word":"balance","start":428.385,"end":428.625,"confidence":0.9992717,"punctuated_word":"balance","sentiment":"neutral","sentiment_score":0.12179771065711976},{"word":"in","start":428.625,"end":428.785,"confidence":0.88473475,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10962779074907304},{"word":"super","start":428.785,"end":429.105,"confidence":0.55392736,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.16640424728393555},{"word":"was","start":429.105,"end":429.345,"confidence":0.98875636,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0903773158788681},{"word":"about","start":429.345,"end":429.505,"confidence":0.8852785,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10826019942760468},{"word":"82,297","start":429.505,"end":431.74503,"confidence":0.9438159,"punctuated_word":"82,297","sentiment":"neutral","sentiment_score":0.09291908144950868},{"word":"and","start":431.74503,"end":431.98502,"confidence":0.99898,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0557001493871212},{"word":"27¢","start":431.98502,"end":433.105,"confidence":0.9446732,"punctuated_word":"27¢,"},{"word":"and","start":433.105,"end":433.345,"confidence":0.9996119,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09260986745357512},{"word":"you","start":433.345,"end":433.505,"confidence":0.9964908,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06383169442415237},{"word":"do","start":433.505,"end":433.74503,"confidence":0.9993445,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09075227379798888},{"word":"have","start":433.74503,"end":433.905,"confidence":0.9995266,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1118956133723259},{"word":"your","start":433.905,"end":434.14502,"confidence":0.9987249,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1279703676700592},{"word":"one","start":434.14502,"end":434.46503,"confidence":0.92804027,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.13024389743804932},{"word":"pass","start":434.46503,"end":434.785,"confidence":0.7630839,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.15944235026836395},{"word":"policy","start":434.785,"end":435.285,"confidence":0.95968544,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":0.11498609185218812},{"word":"so","start":435.42502,"end":435.74503,"confidence":0.99976,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09290441870689392},{"word":"out","start":435.74503,"end":435.98502,"confidence":0.994909,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.17008861899375916},{"word":"of","start":435.98502,"end":436.14502,"confidence":0.9994879,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1210855096578598},{"word":"super","start":436.14502,"end":436.545,"confidence":0.98546827,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.1446741223335266},{"word":"you","start":436.545,"end":436.70502,"confidence":0.99953854,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12921874225139618},{"word":"are","start":436.70502,"end":436.86502,"confidence":0.9997439,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10903138667345048},{"word":"paying","start":436.86502,"end":437.185,"confidence":0.99981695,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.12643387913703918},{"word":"for","start":437.185,"end":437.42502,"confidence":0.9924149,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1279837191104889},{"word":"life","start":437.42502,"end":437.74503,"confidence":0.7107362,"punctuated_word":"life,","sentiment":"neutral","sentiment_score":0.11971086263656616},{"word":"tpd","start":437.74503,"end":438.24503,"confidence":0.84625417,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":0.11320066452026369},{"word":"and","start":438.30502,"end":438.46503,"confidence":0.99938905,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11329621821641922},{"word":"income","start":438.46503,"end":438.86502,"confidence":0.9982237,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.14282843470573425},{"word":"protection","start":438.86502,"end":439.36502,"confidence":0.9909004,"punctuated_word":"protection.","sentiment":"neutral","sentiment_score":0.11372095346450806},{"word":"you","start":439.62,"end":439.86,"confidence":0.9998772,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.14031103253364563},{"word":"have","start":439.86,"end":440.02,"confidence":0.9999337,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.15944936871528623},{"word":"1,000,050","start":440.02,"end":441.13998,"confidence":0.99822396,"punctuated_word":"1,000,050","sentiment":"neutral","sentiment_score":0.14290110766887665},{"word":"of","start":441.13998,"end":441.3,"confidence":0.99737096,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1264360100030899},{"word":"life","start":441.3,"end":441.46,"confidence":0.99278754,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.13868236541748047},{"word":"and","start":441.46,"end":441.78,"confidence":0.9094458,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11826232820749284},{"word":"tbd","start":441.78,"end":442.28,"confidence":0.7498636,"punctuated_word":"TBD,","sentiment":"neutral","sentiment_score":0.11852800846099854},{"word":"and","start":442.9,"end":443.06,"confidence":0.99977475,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10801789164543152},{"word":"then","start":443.06,"end":443.22,"confidence":0.9994124,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10867416858673096},{"word":"an","start":443.22,"end":443.46,"confidence":0.9968641,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10620586574077606},{"word":"income","start":443.46,"end":443.78,"confidence":0.99960655,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.12609846889972687},{"word":"protection","start":443.78,"end":444.26,"confidence":0.9989813,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.09207449108362198},{"word":"policy","start":444.26,"end":444.74,"confidence":0.9996092,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.12503662705421448},{"word":"providing","start":444.74,"end":445.13998,"confidence":0.9783734,"punctuated_word":"providing","sentiment":"neutral","sentiment_score":0.1512552946805954},{"word":"a","start":445.13998,"end":445.3,"confidence":0.99841917,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13841286301612854},{"word":"monthly","start":445.3,"end":445.8,"confidence":0.9140657,"punctuated_word":"monthly,","sentiment":"neutral","sentiment_score":0.16496533155441284},{"word":"before","start":446.18,"end":446.68,"confidence":0.9989415,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.1537732481956482},{"word":"income","start":446.74,"end":447.13998,"confidence":0.9991412,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.11321667581796646},{"word":"tax","start":447.13998,"end":447.54,"confidence":0.9971566,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1723652184009552},{"word":"benefit","start":447.54,"end":448.02,"confidence":0.99814606,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.1207127720117569},{"word":"of","start":448.02,"end":448.26,"confidence":0.9950604,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11930973082780838},{"word":"5,544","start":448.26,"end":450.52,"confidence":0.99635506,"punctuated_word":"5,544.","sentiment":"neutral","sentiment_score":0.10805948823690414},{"word":"you","start":450.58,"end":450.74,"confidence":0.68638784,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.1483965665102005},{"word":"have","start":450.74,"end":450.9,"confidence":0.9998709,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.16387569904327393},{"word":"a","start":450.9,"end":451.06,"confidence":0.9993569,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12720273435115814},{"word":"thirty","start":451.06,"end":451.38,"confidence":0.99290365,"punctuated_word":"thirty","sentiment":"neutral","sentiment_score":0.17189662158489227},{"word":"day","start":451.38,"end":451.54,"confidence":0.9994025,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.15239092707633972},{"word":"waiting","start":451.54,"end":451.86,"confidence":0.9995254,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":0.14427633583545685},{"word":"period","start":451.86,"end":452.18,"confidence":0.99980265,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.13846257328987122},{"word":"and","start":452.18,"end":452.34,"confidence":0.99644864,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12883785367012024},{"word":"a","start":452.34,"end":452.58,"confidence":0.9990528,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13789823651313782},{"word":"six","start":452.58,"end":452.82,"confidence":0.94047195,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.13224390149116516},{"word":"year","start":452.82,"end":453.06,"confidence":0.99806434,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.12397371232509612},{"word":"benefit","start":453.06,"end":453.54,"confidence":0.9968008,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.11899267882108688},{"word":"period","start":453.54,"end":453.86,"confidence":0.99934465,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.16453701257705688},{"word":"on","start":453.86,"end":454.02,"confidence":0.9998184,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1593559831380844},{"word":"that","start":454.02,"end":454.18,"confidence":0.9999281,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16326479613780975},{"word":"one","start":454.18,"end":454.68,"confidence":0.90816456,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.12089590728282928},{"word":"and","start":454.775,"end":454.935,"confidence":0.9979679,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12853865325450897},{"word":"then","start":454.935,"end":455.17502,"confidence":0.999853,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09778505563735962},{"word":"you've","start":455.17502,"end":455.415,"confidence":0.99752903,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.1613502949476242},{"word":"also","start":455.415,"end":455.655,"confidence":0.9989312,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1275249868631363},{"word":"got","start":455.655,"end":455.89502,"confidence":0.99970716,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.16733720898628235},{"word":"your","start":455.89502,"end":456.215,"confidence":0.9989303,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1304197460412979},{"word":"one","start":456.215,"end":456.45502,"confidence":0.8673572,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.120199553668499},{"word":"pass","start":456.45502,"end":456.695,"confidence":0.72322255,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.19326026737689972},{"word":"policy","start":456.695,"end":457.195,"confidence":0.88787013,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":0.17774516344070437},{"word":"which","start":457.255,"end":457.495,"confidence":0.9999486,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.18774491548538208},{"word":"has","start":457.495,"end":457.73502,"confidence":0.9996113,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.16092081367969513},{"word":"just","start":457.73502,"end":457.975,"confidence":0.998599,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16647601127624512},{"word":"gone","start":457.975,"end":458.295,"confidence":0.9983569,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.1872793287038803},{"word":"through","start":458.295,"end":458.535,"confidence":0.98671746,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1310042291879654},{"word":"renewal","start":458.535,"end":458.935,"confidence":0.9964066,"punctuated_word":"renewal","sentiment":"neutral","sentiment_score":0.15938003361225128},{"word":"there","start":458.935,"end":459.435,"confidence":0.99551105,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1221092939376831},{"word":"the","start":459.655,"end":459.89502,"confidence":0.5773117,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.09838339686393738},{"word":"total","start":459.89502,"end":460.295,"confidence":0.9997645,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.12778091430664062},{"word":"yearly","start":460.295,"end":460.695,"confidence":0.99975497,"punctuated_word":"yearly","sentiment":"neutral","sentiment_score":0.14953596889972687},{"word":"premium","start":460.695,"end":461.17502,"confidence":0.9974808,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.14560209214687347},{"word":"for","start":461.17502,"end":461.255,"confidence":0.9807835,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1606106013059616},{"word":"this","start":461.255,"end":461.495,"confidence":0.99971014,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.17617833614349365},{"word":"is","start":461.495,"end":461.575,"confidence":0.9978849,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11161211133003236},{"word":"$435.60","start":461.575,"end":463.655,"confidence":0.9872915,"punctuated_word":"$435.60","sentiment":"neutral","sentiment_score":0.17250579595565796},{"word":"out","start":463.655,"end":463.815,"confidence":0.9992411,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.14402873814105988},{"word":"of","start":463.815,"end":463.89502,"confidence":0.99865,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17485062777996063},{"word":"pocket","start":463.89502,"end":464.295,"confidence":0.95092845,"punctuated_word":"pocket,","sentiment":"neutral","sentiment_score":0.20565518736839297},{"word":"and","start":464.295,"end":464.45502,"confidence":0.9997881,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.153334841132164},{"word":"you're","start":464.45502,"end":464.695,"confidence":0.9981389,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.17821937799453735},{"word":"actually","start":464.695,"end":464.935,"confidence":0.9957605,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.1536576896905899},{"word":"covered","start":464.935,"end":465.33502,"confidence":0.9994204,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.12402375787496568},{"word":"for","start":465.33502,"end":465.495,"confidence":0.9815725,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0441148616373539},{"word":"now","start":465.495,"end":465.73502,"confidence":0.9661343,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.01173900067806244},{"word":"a","start":465.73502,"end":465.89502,"confidence":0.9823873,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01423211395740509},{"word":"$105,000","start":465.89502,"end":467.495,"confidence":0.9994577,"punctuated_word":"$105,000","sentiment":"neutral","sentiment_score":0.0028716661036014557},{"word":"of","start":467.495,"end":467.73502,"confidence":0.9997501,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0008560940623283386},{"word":"life","start":467.73502,"end":467.975,"confidence":0.9670939,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.006070315837860107},{"word":"and","start":467.975,"end":468.295,"confidence":0.99827313,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04303865134716034},{"word":"trauma","start":468.295,"end":468.795,"confidence":0.99963117,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.008828513324260712},{"word":"cover","start":468.855,"end":469.17502,"confidence":0.9911385,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.0060845911502838135},{"word":"for","start":469.17502,"end":469.33502,"confidence":0.98414695,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.013763807713985445},{"word":"yourself","start":469.33502,"end":469.83502,"confidence":0.99851644,"punctuated_word":"yourself.","sentiment":"neutral","sentiment_score":0.002807673066854477},{"word":"these","start":471.0,"end":471.4,"confidence":0.9403175,"punctuated_word":"These","sentiment":"neutral","sentiment_score":-0.08443465083837509},{"word":"are","start":471.4,"end":471.64,"confidence":0.99869376,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.07098689675331116},{"word":"paid","start":471.64,"end":471.96002,"confidence":0.9999347,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.07058237493038177},{"word":"outside","start":471.96002,"end":472.44,"confidence":0.9972365,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":-0.06418915092945099},{"word":"of","start":472.44,"end":472.6,"confidence":0.9659273,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09665293991565704},{"word":"super","start":472.6,"end":473.0,"confidence":0.88676345,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.06264421343803406},{"word":"they","start":473.0,"end":473.24002,"confidence":0.9988997,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.07911771535873413},{"word":"are","start":473.24002,"end":473.48,"confidence":0.99935013,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.05319685488939285},{"word":"all","start":473.48,"end":473.80002,"confidence":0.9975426,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.07080847024917603},{"word":"stepped","start":473.80002,"end":474.2,"confidence":0.3942419,"punctuated_word":"stepped","sentiment":"neutral","sentiment_score":-0.06563462316989899},{"word":"premiums","start":474.2,"end":474.7,"confidence":0.69120884,"punctuated_word":"premiums.","sentiment":"neutral","sentiment_score":-0.05869650840759277},{"word":"so","start":474.76,"end":475.0,"confidence":0.9988827,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07325447350740433},{"word":"both","start":475.0,"end":475.24002,"confidence":0.9888039,"punctuated_word":"both","sentiment":"neutral","sentiment_score":-0.12142887711524963},{"word":"your","start":475.24002,"end":475.4,"confidence":0.99484235,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.12777942419052124},{"word":"policies","start":475.4,"end":475.9,"confidence":0.87033117,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":-0.08831734955310822},{"word":"inside","start":475.96002,"end":476.46002,"confidence":0.9877626,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":-0.1330675184726715},{"word":"super","start":476.52002,"end":476.92,"confidence":0.9936144,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.09165778011083604},{"word":"and","start":476.92,"end":477.16,"confidence":0.9991265,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11865480244159698},{"word":"outside","start":477.16,"end":477.56,"confidence":0.9994617,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":-0.11461640149354936},{"word":"super","start":477.56,"end":478.04,"confidence":0.9985765,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.03434014692902565},{"word":"will","start":478.04,"end":478.28,"confidence":0.9988471,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.10687008500099182},{"word":"increase","start":478.28,"end":478.76,"confidence":0.9210578,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":-0.04969372600317001},{"word":"in","start":478.76,"end":479.0,"confidence":0.9961016,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0878632515668869},{"word":"cost","start":479.0,"end":479.5,"confidence":0.7599962,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.0724906399846077},{"word":"as","start":480.12,"end":480.28,"confidence":0.90868646,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.1989201009273529},{"word":"you","start":480.28,"end":480.44,"confidence":0.999521,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2047223448753357},{"word":"get","start":480.44,"end":480.68,"confidence":0.9997154,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.2357363402843475},{"word":"older","start":480.68,"end":480.92,"confidence":0.9914063,"punctuated_word":"older","sentiment":"neutral","sentiment_score":-0.24523836374282837},{"word":"as","start":480.92,"end":481.16,"confidence":0.71840173,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.2700260281562805},{"word":"the","start":481.16,"end":481.32,"confidence":0.99627066,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.319995254278183},{"word":"risk","start":481.32,"end":481.56,"confidence":0.9990482,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.4078364968299866},{"word":"of","start":481.56,"end":481.72,"confidence":0.96650666,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4404792785644531},{"word":"you","start":481.72,"end":481.88,"confidence":0.9970162,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.4387948513031006},{"word":"making","start":481.88,"end":482.2,"confidence":0.9986272,"punctuated_word":"making","sentiment":"negative","sentiment_score":-0.3754411041736603},{"word":"a","start":482.2,"end":482.36002,"confidence":0.9610239,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3757854998111725},{"word":"claim","start":482.36002,"end":482.68,"confidence":0.9995084,"punctuated_word":"claim","sentiment":"negative","sentiment_score":-0.36522525548934937},{"word":"increases","start":482.68,"end":483.18,"confidence":0.9960557,"punctuated_word":"increases.","sentiment":"neutral","sentiment_score":-0.2413257509469986},{"word":"however","start":483.64,"end":484.04,"confidence":0.9963621,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.07107096910476685},{"word":"they","start":484.04,"end":484.2,"confidence":0.9829281,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.19526776671409607},{"word":"are","start":484.2,"end":484.44,"confidence":0.9995659,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.1502479910850525},{"word":"also","start":484.44,"end":484.84,"confidence":0.99777263,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.09736637771129608},{"word":"cpi","start":484.84,"end":485.34,"confidence":0.93065834,"punctuated_word":"CPI","sentiment":"neutral","sentiment_score":-0.15807515382766724},{"word":"linked","start":485.4,"end":485.805,"confidence":0.77097785,"punctuated_word":"linked.","sentiment":"neutral","sentiment_score":-0.0902065634727478},{"word":"so","start":485.805,"end":485.965,"confidence":0.9998858,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.10693364590406418},{"word":"it","start":485.965,"end":486.205,"confidence":0.99540377,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.12542149424552915},{"word":"does","start":486.205,"end":486.285,"confidence":0.9990369,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.10693826526403429},{"word":"mean","start":486.285,"end":486.525,"confidence":0.9989035,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":-0.11708757281303406},{"word":"that","start":486.525,"end":486.76498,"confidence":0.99956626,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1266058087348938},{"word":"the","start":486.76498,"end":486.925,"confidence":0.9519138,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.20235762000083923},{"word":"sum","start":486.925,"end":487.085,"confidence":0.9617708,"punctuated_word":"sum","sentiment":"neutral","sentiment_score":-0.2018199861049652},{"word":"insured","start":487.085,"end":487.565,"confidence":0.9856354,"punctuated_word":"insured","sentiment":"neutral","sentiment_score":-0.2243887335062027},{"word":"is","start":487.565,"end":487.805,"confidence":0.99905556,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.17615842819213867},{"word":"gonna","start":487.805,"end":488.04498,"confidence":0.9990433,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.20508526265621185},{"word":"keep","start":488.04498,"end":488.365,"confidence":0.9989502,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.1922249495983124},{"word":"increasing","start":488.365,"end":488.845,"confidence":0.9990049,"punctuated_word":"increasing","sentiment":"neutral","sentiment_score":-0.13311812281608582},{"word":"as","start":488.845,"end":489.005,"confidence":0.99981576,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.16723081469535828},{"word":"well","start":489.005,"end":489.505,"confidence":0.9999484,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.16604983806610107},{"word":"because","start":490.04498,"end":490.365,"confidence":0.5395387,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.1621256172657013},{"word":"we","start":490.365,"end":490.525,"confidence":0.9987835,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2419209182262421},{"word":"know","start":490.525,"end":490.925,"confidence":0.9998629,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.2824563682079315},{"word":"the","start":490.925,"end":491.16498,"confidence":0.98385555,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.45068302750587463},{"word":"buying","start":491.16498,"end":491.485,"confidence":0.99851483,"punctuated_word":"buying","sentiment":"negative","sentiment_score":-0.4561002254486084},{"word":"capacity","start":491.485,"end":491.965,"confidence":0.9994473,"punctuated_word":"capacity","sentiment":"negative","sentiment_score":-0.5936875343322754},{"word":"is","start":491.965,"end":492.125,"confidence":0.9613767,"punctuated_word":"is","sentiment":"negative","sentiment_score":-0.4646719992160797},{"word":"eaten","start":492.125,"end":492.365,"confidence":0.7100905,"punctuated_word":"eaten","sentiment":"negative","sentiment_score":-0.4699992537498474},{"word":"away","start":492.365,"end":492.60498,"confidence":0.9972818,"punctuated_word":"away","sentiment":"negative","sentiment_score":-0.42829611897468567},{"word":"on","start":492.60498,"end":492.76498,"confidence":0.99708813,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.438759982585907},{"word":"a","start":492.76498,"end":492.925,"confidence":0.9961583,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.440213143825531},{"word":"dollar","start":492.925,"end":493.245,"confidence":0.7869767,"punctuated_word":"dollar,","sentiment":"negative","sentiment_score":-0.35803401470184326},{"word":"a","start":493.245,"end":493.32498,"confidence":0.99835557,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4746799170970917},{"word":"$100","start":493.32498,"end":493.88498,"confidence":0.9986346,"punctuated_word":"$100","sentiment":"negative","sentiment_score":-0.5361940264701843},{"word":"this","start":493.88498,"end":494.04498,"confidence":0.90334356,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.5091515183448792},{"word":"year","start":494.04498,"end":494.205,"confidence":0.9986601,"punctuated_word":"year","sentiment":"negative","sentiment_score":-0.4897669851779938},{"word":"isn't","start":494.205,"end":494.525,"confidence":0.8795015,"punctuated_word":"isn't","sentiment":"negative","sentiment_score":-0.3534082770347595},{"word":"worth","start":494.525,"end":494.76498,"confidence":0.9990883,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.3258076012134552},{"word":"a","start":494.76498,"end":494.845,"confidence":0.9706298,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.35382145643234253},{"word":"$100","start":494.845,"end":495.565,"confidence":0.9997512,"punctuated_word":"$100","sentiment":"negative","sentiment_score":-0.3908718526363373},{"word":"next","start":495.565,"end":495.88498,"confidence":0.99395365,"punctuated_word":"next","sentiment":"negative","sentiment_score":-0.3940672278404236},{"word":"year","start":495.88498,"end":496.38498,"confidence":0.9917035,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.22100412845611572},{"word":"insurance","start":496.60498,"end":497.10498,"confidence":0.9782159,"punctuated_word":"Insurance","sentiment":"neutral","sentiment_score":-0.10624989867210388},{"word":"policies","start":497.16498,"end":497.66498,"confidence":0.99829656,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":-0.15472039580345154},{"word":"are","start":498.205,"end":498.285,"confidence":0.9934081,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0789080560207367},{"word":"linked","start":498.285,"end":498.60498,"confidence":0.98591864,"punctuated_word":"linked","sentiment":"neutral","sentiment_score":-0.055970415472984314},{"word":"to","start":498.60498,"end":498.76498,"confidence":0.9983706,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.032471247017383575},{"word":"cpi","start":498.76498,"end":499.26498,"confidence":0.8551458,"punctuated_word":"CPI.","sentiment":"neutral","sentiment_score":-0.06530621647834778},{"word":"so","start":499.405,"end":499.645,"confidence":0.9988876,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.008910968899726868},{"word":"as","start":499.645,"end":499.805,"confidence":0.99762577,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.02854786068201065},{"word":"much","start":499.805,"end":500.04498,"confidence":0.99905604,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.03895854204893112},{"word":"as","start":500.04498,"end":500.125,"confidence":0.99648476,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.018519170582294464},{"word":"you're","start":500.125,"end":500.37,"confidence":0.98978174,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.007307174615561962},{"word":"paying","start":500.37,"end":500.53,"confidence":0.99934036,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.022643789649009705},{"word":"a","start":500.53,"end":500.61,"confidence":0.99973184,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.016487278044223785},{"word":"little","start":500.61,"end":500.72998,"confidence":0.999897,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.06564641743898392},{"word":"bit","start":500.72998,"end":500.85,"confidence":0.99929976,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.08977911621332169},{"word":"more","start":500.85,"end":501.16998,"confidence":0.99958056,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.07411101460456848},{"word":"for","start":501.16998,"end":501.33,"confidence":0.99892336,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.026642322540283203},{"word":"the","start":501.33,"end":501.49,"confidence":0.9993187,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.033354759216308594},{"word":"policies","start":501.49,"end":501.97,"confidence":0.99303246,"punctuated_word":"policies,","sentiment":"neutral","sentiment_score":-0.01022842526435852},{"word":"they","start":501.97,"end":502.21,"confidence":0.99968255,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.03265132009983063},{"word":"do","start":502.21,"end":502.53,"confidence":0.9997621,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.15490053594112396},{"word":"increase","start":502.53,"end":503.01,"confidence":0.9993969,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.10213083773851396},{"word":"in","start":503.01,"end":503.25,"confidence":0.99911696,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.040549471974372864},{"word":"value","start":503.25,"end":503.65,"confidence":0.9998272,"punctuated_word":"value","sentiment":"neutral","sentiment_score":0.009194225072860718},{"word":"as","start":503.65,"end":503.81,"confidence":0.99981946,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05221123248338699},{"word":"well","start":503.81,"end":504.21,"confidence":0.99666923,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.005372382700443268},{"word":"so","start":504.21,"end":504.71,"confidence":0.99973756,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02596600353717804},{"word":"if","start":504.85,"end":505.01,"confidence":0.9955695,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.016158757731318474},{"word":"you","start":505.01,"end":505.16998,"confidence":0.9998392,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.010956399142742155},{"word":"were","start":505.16998,"end":505.33,"confidence":0.98613065,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.008802346885204315},{"word":"to","start":505.33,"end":505.49,"confidence":0.9942129,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0067412592470645905},{"word":"claim","start":505.49,"end":505.72998,"confidence":0.9976109,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.016202744096517563},{"word":"on","start":505.72998,"end":505.97,"confidence":0.9970349,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.051698457449674606},{"word":"trauma","start":505.97,"end":506.47,"confidence":0.96638334,"punctuated_word":"trauma,","sentiment":"neutral","sentiment_score":-0.030086275190114975},{"word":"you","start":506.53,"end":506.69,"confidence":0.99973756,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0104871466755867},{"word":"can","start":506.69,"end":506.85,"confidence":0.9995389,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.019130006432533264},{"word":"claim","start":506.85,"end":507.16998,"confidence":0.9992212,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.0006356984376907349},{"word":"a","start":507.16998,"end":507.25,"confidence":0.9989705,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00797448679804802},{"word":"105,000","start":507.25,"end":508.37,"confidence":0.9992202,"punctuated_word":"105,000","sentiment":"neutral","sentiment_score":0.00961734727025032},{"word":"instead","start":508.37,"end":508.61,"confidence":0.9785347,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":-0.021694697439670563},{"word":"of","start":508.61,"end":508.77,"confidence":0.9984804,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02341289073228836},{"word":"the","start":508.77,"end":508.93,"confidence":0.999253,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06552830338478088},{"word":"initial","start":508.93,"end":509.25,"confidence":0.9995883,"punctuated_word":"initial","sentiment":"neutral","sentiment_score":-0.02125227451324463},{"word":"100,000","start":509.25,"end":509.88998,"confidence":0.99854577,"punctuated_word":"100,000","sentiment":"neutral","sentiment_score":-0.030743658542633057},{"word":"that","start":509.88998,"end":510.05,"confidence":0.99943155,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03453274816274643},{"word":"you","start":510.05,"end":510.21,"confidence":0.9998299,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03802868723869324},{"word":"did","start":510.21,"end":510.37,"confidence":0.9985891,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.04225367307662964},{"word":"have","start":510.37,"end":510.61,"confidence":0.9995484,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.005271285772323608},{"word":"there","start":510.61,"end":510.93,"confidence":0.9289109,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.015959326177835464},{"word":"but","start":510.93,"end":511.41,"confidence":0.794842,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":-0.01779066026210785},{"word":"well","start":511.57,"end":511.81,"confidence":0.9097459,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":-0.01005294919013977},{"word":"i'll","start":511.81,"end":512.05,"confidence":0.9987788,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.021553434431552887},{"word":"review","start":512.05,"end":512.37,"confidence":0.9990374,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.025618895888328552},{"word":"them","start":512.37,"end":512.61,"confidence":0.9992399,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.021729521453380585},{"word":"with","start":512.61,"end":512.77,"confidence":0.99974054,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.009247303009033205},{"word":"you","start":512.77,"end":512.93,"confidence":0.9852872,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.001848764717578888},{"word":"if","start":513.25,"end":513.41,"confidence":0.9953754,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.09526240825653076},{"word":"you","start":513.41,"end":513.57,"confidence":0.99746776,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0889592319726944},{"word":"start","start":513.57,"end":513.945,"confidence":0.9839671,"punctuated_word":"start","sentiment":"neutral","sentiment_score":-0.1270541250705719},{"word":"getting","start":514.105,"end":514.425,"confidence":0.85947454,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.09885745495557784},{"word":"too","start":514.425,"end":514.665,"confidence":0.98877954,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.2176593542098999},{"word":"expensive","start":514.665,"end":515.065,"confidence":0.99010855,"punctuated_word":"expensive,","sentiment":"neutral","sentiment_score":-0.1645631492137909},{"word":"we","start":515.065,"end":515.22504,"confidence":0.9996252,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1501959264278412},{"word":"can","start":515.22504,"end":515.385,"confidence":0.9969759,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.16951818764209747},{"word":"look","start":515.385,"end":515.625,"confidence":0.9997626,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.20834021270275116},{"word":"at","start":515.625,"end":515.705,"confidence":0.98631185,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1612602472305298},{"word":"the","start":515.705,"end":515.945,"confidence":0.9998491,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.19960002601146695},{"word":"amounts","start":515.945,"end":516.265,"confidence":0.4689983,"punctuated_word":"amounts,","sentiment":"neutral","sentiment_score":-0.08575092256069183},{"word":"and","start":516.265,"end":516.505,"confidence":0.99913114,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0663505345582962},{"word":"part","start":516.505,"end":516.745,"confidence":0.8414431,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.07162445783615112},{"word":"of","start":516.745,"end":516.905,"confidence":0.99491173,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04031392186880112},{"word":"your","start":516.905,"end":517.065,"confidence":0.9749518,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.012012556195259094},{"word":"annual","start":517.065,"end":517.465,"confidence":0.9646652,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.0178830549120903},{"word":"review","start":517.465,"end":517.945,"confidence":0.999298,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.007427424192428589},{"word":"will","start":517.945,"end":518.185,"confidence":0.7612574,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.02736356109380722},{"word":"also","start":518.185,"end":518.585,"confidence":0.99880075,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.03463970869779587},{"word":"reevaluate","start":518.585,"end":519.085,"confidence":0.99396855,"punctuated_word":"reevaluate","sentiment":"neutral","sentiment_score":-0.028731193393468857},{"word":"the","start":519.385,"end":519.545,"confidence":0.99935514,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.051590681076049805},{"word":"levels","start":519.545,"end":519.865,"confidence":0.9945522,"punctuated_word":"levels","sentiment":"neutral","sentiment_score":-0.03215021640062332},{"word":"of","start":519.865,"end":520.025,"confidence":0.9983948,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06628373265266418},{"word":"cover","start":520.025,"end":520.265,"confidence":0.80382675,"punctuated_word":"cover,","sentiment":"neutral","sentiment_score":-0.017069682478904724},{"word":"and","start":520.265,"end":520.425,"confidence":0.9991296,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06927681714296341},{"word":"we","start":520.425,"end":520.585,"confidence":0.99987745,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12787199020385742},{"word":"can","start":520.585,"end":520.825,"confidence":0.9998374,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.15082108974456787},{"word":"always","start":520.825,"end":521.145,"confidence":0.9991959,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.1515396535396576},{"word":"adjust","start":521.145,"end":521.465,"confidence":0.998776,"punctuated_word":"adjust","sentiment":"neutral","sentiment_score":0.06280354410409927},{"word":"them","start":521.465,"end":521.705,"confidence":0.9981035,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.08958473801612854},{"word":"to","start":521.705,"end":521.78503,"confidence":0.99960583,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10574431717395782},{"word":"keep","start":521.78503,"end":522.025,"confidence":0.9989164,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.16813156008720398},{"word":"them","start":522.025,"end":522.185,"confidence":0.9972631,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.17533530294895172},{"word":"cost","start":522.185,"end":522.505,"confidence":0.99861264,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.1474570482969284},{"word":"effective","start":522.505,"end":522.985,"confidence":0.99792093,"punctuated_word":"effective","sentiment":"neutral","sentiment_score":0.2066200077533722},{"word":"and","start":522.985,"end":523.145,"confidence":0.48579797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15278875827789307},{"word":"make","start":523.145,"end":523.305,"confidence":0.9972928,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.11242790520191193},{"word":"sure","start":523.305,"end":523.465,"confidence":0.99974114,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.16684234142303467},{"word":"it's","start":523.465,"end":523.705,"confidence":0.9994329,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.21678218245506287},{"word":"working","start":523.705,"end":524.025,"confidence":0.9996202,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.19916945695877075},{"word":"to","start":524.025,"end":524.105,"confidence":0.5118617,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1551983505487442},{"word":"you","start":524.105,"end":524.265,"confidence":0.99980134,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.102228581905365},{"word":"at","start":524.265,"end":524.425,"confidence":0.9994843,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.06997058540582657},{"word":"the","start":524.425,"end":524.585,"confidence":0.9992599,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07059187442064285},{"word":"same","start":524.585,"end":524.745,"confidence":0.99974066,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.0614166185259819},{"word":"time","start":524.745,"end":525.245,"confidence":0.99971896,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.04967864602804184},{"word":"okay","start":525.305,"end":525.805,"confidence":0.96665776,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.07088024169206619},{"word":"perfect","start":527.72003,"end":528.22003,"confidence":0.98801374,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5536994934082031},{"word":"now","start":528.76,"end":529.08,"confidence":0.9978588,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.13066914677619934},{"word":"with","start":529.08,"end":529.24005,"confidence":0.9916858,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04316948354244232},{"word":"regard","start":529.24005,"end":529.56,"confidence":0.9893031,"punctuated_word":"regard","sentiment":"neutral","sentiment_score":0.06459052860736847},{"word":"to","start":529.56,"end":529.72003,"confidence":0.99193317,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08634499460458755},{"word":"the","start":529.72003,"end":529.88,"confidence":0.9981292,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10523062199354172},{"word":"recommendations","start":529.88,"end":530.38,"confidence":0.98948824,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":-0.005151510238647461},{"word":"here","start":530.60004,"end":530.84,"confidence":0.80712366,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.012614864856004717},{"word":"and","start":530.84,"end":531.0,"confidence":0.99927694,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05143013224005699},{"word":"you'll","start":531.0,"end":531.24005,"confidence":0.9981465,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.08007502555847168},{"word":"be","start":531.24005,"end":531.32,"confidence":0.99959177,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09817495197057724},{"word":"able","start":531.32,"end":531.48004,"confidence":0.99256057,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.111747145652771},{"word":"to","start":531.48004,"end":531.56,"confidence":0.99323636,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08299266546964645},{"word":"go","start":531.56,"end":531.72003,"confidence":0.99822193,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.14635765552520752},{"word":"through","start":531.72003,"end":531.88,"confidence":0.9934614,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.21161311864852905},{"word":"these","start":531.88,"end":532.12,"confidence":0.60702205,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.1139627918601036},{"word":"in","start":532.12,"end":532.2,"confidence":0.9908116,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1746026873588562},{"word":"a","start":532.2,"end":532.68,"confidence":0.9813379,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14095976948738098},{"word":"a","start":532.68,"end":532.76,"confidence":0.8588366,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08784228563308716},{"word":"fair","start":532.76,"end":533.0,"confidence":0.4053801,"punctuated_word":"fair","sentiment":"neutral","sentiment_score":0.1257668435573578},{"word":"bit","start":533.0,"end":533.16003,"confidence":0.99804544,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.10802718251943588},{"word":"of","start":533.16003,"end":533.24005,"confidence":0.99199957,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06427723169326782},{"word":"detail","start":533.24005,"end":533.64,"confidence":0.71063244,"punctuated_word":"detail.","sentiment":"neutral","sentiment_score":0.0814613476395607},{"word":"i've","start":533.64,"end":533.80005,"confidence":0.98581576,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.004561660345643759},{"word":"added","start":533.80005,"end":534.04004,"confidence":0.99551517,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.02014242112636566},{"word":"lots","start":534.04004,"end":534.28,"confidence":0.9977476,"punctuated_word":"lots","sentiment":"neutral","sentiment_score":0.053103968501091},{"word":"of","start":534.28,"end":534.44,"confidence":0.99692106,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04659195989370346},{"word":"advantages","start":534.44,"end":534.94,"confidence":0.9820812,"punctuated_word":"advantages,","sentiment":"neutral","sentiment_score":0.04679517075419426},{"word":"disadvantages","start":535.08,"end":535.58,"confidence":0.9955028,"punctuated_word":"disadvantages,","sentiment":"neutral","sentiment_score":-0.0677497461438179},{"word":"risks","start":535.88,"end":536.2,"confidence":0.9981014,"punctuated_word":"risks","sentiment":"neutral","sentiment_score":-0.12631133198738098},{"word":"involved","start":536.2,"end":536.7,"confidence":0.97853565,"punctuated_word":"involved,","sentiment":"neutral","sentiment_score":-0.01795431226491928},{"word":"and","start":536.76,"end":537.0,"confidence":0.99941623,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.014151513576507568},{"word":"alternatives","start":537.0,"end":537.5,"confidence":0.9948167,"punctuated_word":"alternatives","sentiment":"neutral","sentiment_score":-0.10712867975234984},{"word":"that","start":537.56,"end":537.80005,"confidence":0.9980317,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04450574517250061},{"word":"i've","start":537.80005,"end":537.96,"confidence":0.99719983,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.090359166264534},{"word":"considered","start":537.96,"end":538.46,"confidence":0.9987815,"punctuated_word":"considered","sentiment":"neutral","sentiment_score":0.10099396854639052},{"word":"for","start":538.52,"end":538.68,"confidence":0.9997298,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05824144929647446},{"word":"you","start":538.68,"end":539.18,"confidence":0.9721542,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.04254884645342827},{"word":"but","start":539.60504,"end":539.765,"confidence":0.98710454,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.03732140362262726},{"word":"with","start":539.765,"end":540.005,"confidence":0.99905866,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.09580634534358978},{"word":"regard","start":540.005,"end":540.405,"confidence":0.98607266,"punctuated_word":"regard","sentiment":"neutral","sentiment_score":-0.0949392020702362},{"word":"to","start":540.405,"end":540.48505,"confidence":0.9885971,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1211899071931839},{"word":"the","start":540.48505,"end":540.72504,"confidence":0.94529974,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.18259462714195251},{"word":"super","start":540.72504,"end":541.04504,"confidence":0.7366592,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.1968902349472046},{"word":"and","start":541.04504,"end":541.205,"confidence":0.9837998,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1188054457306862},{"word":"the","start":541.205,"end":541.445,"confidence":0.999206,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11866556853055954},{"word":"recommendations","start":541.445,"end":541.945,"confidence":0.94389,"punctuated_word":"recommendations,","sentiment":"neutral","sentiment_score":-0.1053960770368576},{"word":"now","start":542.16504,"end":542.405,"confidence":0.839143,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.18907944858074188},{"word":"bannalong","start":542.405,"end":542.885,"confidence":0.6502798,"punctuated_word":"Bannalong","sentiment":"neutral","sentiment_score":-0.2167707085609436},{"word":"was","start":542.885,"end":543.04504,"confidence":0.99881005,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.24229806661605835},{"word":"the","start":543.04504,"end":543.205,"confidence":0.99936765,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3312486708164215},{"word":"investment","start":543.205,"end":543.60504,"confidence":0.9979765,"punctuated_word":"investment","sentiment":"negative","sentiment_score":-0.3353020250797272},{"word":"that","start":543.60504,"end":543.765,"confidence":0.99987996,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3573454022407532},{"word":"was","start":543.765,"end":544.005,"confidence":0.9998783,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.46684062480926514},{"word":"underperforming","start":544.005,"end":544.505,"confidence":0.8437016,"punctuated_word":"underperforming,","sentiment":"neutral","sentiment_score":-0.3076329231262207},{"word":"so","start":544.72504,"end":544.965,"confidence":0.99938977,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.19707150757312775},{"word":"we","start":544.965,"end":545.125,"confidence":0.9999429,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.2345109581947327},{"word":"have","start":545.125,"end":545.28503,"confidence":0.9989802,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.234267920255661},{"word":"made","start":545.28503,"end":545.445,"confidence":0.999746,"punctuated_word":"made","sentiment":"neutral","sentiment_score":-0.2408994287252426},{"word":"a","start":545.445,"end":545.60504,"confidence":0.9992685,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.23156851530075073},{"word":"recommendation","start":545.60504,"end":546.10504,"confidence":0.999607,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":-0.24291862547397616},{"word":"to","start":546.245,"end":546.48505,"confidence":0.99993336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2782413065433502},{"word":"remove","start":546.48505,"end":546.885,"confidence":0.9996973,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.2937418222427368},{"word":"that","start":546.885,"end":547.125,"confidence":0.9993137,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.3937574028968811},{"word":"completely","start":547.125,"end":547.525,"confidence":0.9998093,"punctuated_word":"completely","sentiment":"neutral","sentiment_score":-0.32407861948013306},{"word":"from","start":547.525,"end":547.765,"confidence":0.99984634,"punctuated_word":"from","sentiment":"negative","sentiment_score":-0.3694932758808136},{"word":"your","start":547.765,"end":548.005,"confidence":0.9996101,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.16794349253177643},{"word":"portfolio","start":548.005,"end":548.505,"confidence":0.99600816,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.23074671626091003},{"word":"because","start":549.205,"end":549.525,"confidence":0.9770353,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":-0.03990867733955383},{"word":"we","start":549.525,"end":549.685,"confidence":0.9968315,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.13057628273963928},{"word":"are","start":549.685,"end":549.925,"confidence":0.99990916,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.22919046878814697},{"word":"removing","start":549.925,"end":550.405,"confidence":0.99931264,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":-0.24042022228240967},{"word":"bannalong","start":550.405,"end":550.885,"confidence":0.99839413,"punctuated_word":"Bannalong,","sentiment":"negative","sentiment_score":-0.3420063853263855},{"word":"it","start":550.885,"end":551.04504,"confidence":0.99962103,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.4584702551364898},{"word":"isn't","start":551.04504,"end":551.365,"confidence":0.8368789,"punctuated_word":"isn't","sentiment":"negative","sentiment_score":-0.34918856620788574},{"word":"a","start":551.365,"end":551.525,"confidence":0.96008354,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4473403990268707},{"word":"down","start":551.525,"end":551.765,"confidence":0.99510914,"punctuated_word":"down","sentiment":"negative","sentiment_score":-0.444153904914856},{"word":"point","start":551.765,"end":551.925,"confidence":0.7665741,"punctuated_word":"point,","sentiment":"negative","sentiment_score":-0.4497195780277252},{"word":"so","start":551.925,"end":552.085,"confidence":0.9982926,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.2381458431482315},{"word":"we","start":552.085,"end":552.245,"confidence":0.9980939,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.5099962949752808},{"word":"are","start":552.245,"end":552.45,"confidence":0.9954431,"punctuated_word":"are","sentiment":"negative","sentiment_score":-0.5806657075881958},{"word":"cementing","start":552.45,"end":552.85004,"confidence":0.98747325,"punctuated_word":"cementing","sentiment":"negative","sentiment_score":-0.54180908203125},{"word":"the","start":552.85004,"end":552.93,"confidence":0.97368085,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.5832059979438782},{"word":"loss","start":552.93,"end":553.17,"confidence":0.8569219,"punctuated_word":"loss","sentiment":"negative","sentiment_score":-0.6183614134788513},{"word":"there","start":553.17,"end":553.41003,"confidence":0.97867465,"punctuated_word":"there.","sentiment":"negative","sentiment_score":-0.4688383936882019},{"word":"so","start":553.41003,"end":553.57,"confidence":0.9931734,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08706866204738617},{"word":"i'm","start":553.57,"end":553.81,"confidence":0.9992316,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.0311388336122036},{"word":"also","start":553.81,"end":554.13,"confidence":0.9987463,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.0429920107126236},{"word":"recommending","start":554.13,"end":554.53,"confidence":0.99886155,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.08299954980611801},{"word":"that","start":554.53,"end":554.77,"confidence":0.99978524,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06595306098461151},{"word":"we","start":554.77,"end":555.01,"confidence":0.99750394,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07960586249828339},{"word":"rebalance","start":555.01,"end":555.51,"confidence":0.9861896,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":0.03017827495932579},{"word":"your","start":555.57,"end":555.73004,"confidence":0.9561281,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11894179880619048},{"word":"portfolio","start":555.73004,"end":556.23004,"confidence":0.9994684,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":-0.1948813945055008},{"word":"as","start":556.37,"end":556.53,"confidence":0.99967337,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1695854365825653},{"word":"well","start":556.53,"end":557.03,"confidence":0.9999573,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.12734028697013855},{"word":"just","start":557.41003,"end":557.65,"confidence":0.7821863,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11150617152452467},{"word":"to","start":557.65,"end":557.81,"confidence":0.9998053,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05564822256565094},{"word":"make","start":557.81,"end":557.97003,"confidence":0.9998394,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.06497134268283844},{"word":"sure","start":557.97003,"end":558.29004,"confidence":0.99959093,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.11644809693098068},{"word":"that","start":558.29004,"end":558.45,"confidence":0.8850709,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.157551109790802},{"word":"a","start":558.45,"end":558.69,"confidence":0.99620646,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":0.1443631649017334},{"word":"it's","start":558.69,"end":558.93,"confidence":0.9940486,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.13838157057762146},{"word":"working","start":558.93,"end":559.33,"confidence":0.99970144,"punctuated_word":"working","sentiment":"neutral","sentiment_score":0.1602383255958557},{"word":"properly","start":559.33,"end":559.65,"confidence":0.9251454,"punctuated_word":"properly,","sentiment":"neutral","sentiment_score":0.10358796268701552},{"word":"but","start":559.65,"end":559.81,"confidence":0.9996244,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.08166462182998657},{"word":"then","start":559.81,"end":559.97003,"confidence":0.62454116,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.06933046877384186},{"word":"you're","start":559.97003,"end":560.05,"confidence":0.9499049,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.037242792546749115},{"word":"not","start":560.05,"end":560.29004,"confidence":0.97469586,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.13529662787914276},{"word":"overexposing","start":560.29004,"end":560.79004,"confidence":0.92932224,"punctuated_word":"overexposing","sentiment":"negative","sentiment_score":-0.38623881340026855},{"word":"yourself","start":561.09,"end":561.49,"confidence":0.9937245,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":-0.2758258879184723},{"word":"to","start":561.49,"end":561.73004,"confidence":0.99220157,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3363499641418457},{"word":"risk","start":561.73004,"end":562.13,"confidence":0.9440598,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":-0.29812002182006836},{"word":"so","start":562.13,"end":562.61,"confidence":0.9992803,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01779179275035858},{"word":"we're","start":562.61,"end":562.85004,"confidence":0.9978936,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.03689521551132202},{"word":"taking","start":562.85004,"end":563.25,"confidence":0.9996742,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.025020629167556763},{"word":"advantage","start":563.25,"end":563.73004,"confidence":0.99801815,"punctuated_word":"advantage","sentiment":"neutral","sentiment_score":-0.0296240895986557},{"word":"of","start":563.73004,"end":563.89,"confidence":0.97442245,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05918228626251221},{"word":"the","start":563.89,"end":563.97003,"confidence":0.9996014,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.059891894459724426},{"word":"fact","start":563.97003,"end":564.21,"confidence":0.99946386,"punctuated_word":"fact","sentiment":"neutral","sentiment_score":-0.0513785183429718},{"word":"that","start":564.21,"end":564.45,"confidence":0.99911946,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.02645130455493927},{"word":"bannalong","start":564.45,"end":564.93,"confidence":0.99896044,"punctuated_word":"Bannalong","sentiment":"negative","sentiment_score":-0.40453118085861206},{"word":"is","start":564.93,"end":565.09,"confidence":0.9989742,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.2741895020008087},{"word":"down","start":565.09,"end":565.33,"confidence":0.8239231,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.21297135949134827},{"word":"we're","start":565.33,"end":565.49,"confidence":0.99784654,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.225134938955307},{"word":"seeing","start":565.49,"end":565.81,"confidence":0.9950205,"punctuated_word":"seeing","sentiment":"negative","sentiment_score":-0.35335928201675415},{"word":"a","start":565.81,"end":565.89,"confidence":0.9961844,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.3742763996124267},{"word":"loss","start":565.89,"end":566.21,"confidence":0.8109586,"punctuated_word":"loss","sentiment":"negative","sentiment_score":-0.40262413024902344},{"word":"by","start":566.21,"end":566.45,"confidence":0.9893439,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.28612107038497925},{"word":"cementing","start":566.45,"end":566.85004,"confidence":0.9978063,"punctuated_word":"cementing","sentiment":"neutral","sentiment_score":-0.23463356494903564},{"word":"it","start":566.85004,"end":567.01,"confidence":0.9908126,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.3141726851463318},{"word":"and","start":567.01,"end":567.17,"confidence":0.97289217,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.18471862375736237},{"word":"removing","start":567.17,"end":567.57,"confidence":0.9992543,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":-0.1372283697128296},{"word":"it","start":567.57,"end":567.65,"confidence":0.9401547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.24879834055900577},{"word":"from","start":567.65,"end":567.81,"confidence":0.96394235,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.2139464169740677},{"word":"your","start":567.81,"end":568.005,"confidence":0.77242327,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.14137029647827148},{"word":"portfolio","start":568.245,"end":568.605,"confidence":0.7856703,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.23892642557621},{"word":"so","start":568.605,"end":568.965,"confidence":0.9994624,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10236448794603348},{"word":"we","start":568.965,"end":569.045,"confidence":0.9996195,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.145938903093338},{"word":"can","start":569.045,"end":569.28503,"confidence":0.9996271,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1886557936668396},{"word":"offset","start":569.28503,"end":569.685,"confidence":0.52633566,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":0.1332819014787674},{"word":"any","start":569.685,"end":569.925,"confidence":0.996442,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.27361634373664856},{"word":"other","start":569.925,"end":570.165,"confidence":0.9990465,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1892278492450714},{"word":"capital","start":570.165,"end":570.565,"confidence":0.99976796,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.041742563247680664},{"word":"gains","start":570.565,"end":570.885,"confidence":0.99546874,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.24790966510772705},{"word":"that","start":570.885,"end":571.045,"confidence":0.9719757,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.30452853441238403},{"word":"the","start":571.045,"end":571.125,"confidence":0.9989291,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26086342334747314},{"word":"other","start":571.125,"end":571.445,"confidence":0.99986446,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0726839005947113},{"word":"investments","start":571.445,"end":571.945,"confidence":0.9167609,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.03630991280078888},{"word":"might","start":572.005,"end":572.165,"confidence":0.9985916,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.13557663559913635},{"word":"have","start":572.165,"end":572.325,"confidence":0.9294697,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20865857601165771},{"word":"foreseen","start":572.325,"end":572.825,"confidence":0.69820094,"punctuated_word":"foreseen","sentiment":"neutral","sentiment_score":0.20717035233974457},{"word":"and","start":573.045,"end":573.365,"confidence":0.93911856,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11899642646312714},{"word":"try","start":573.365,"end":573.605,"confidence":0.9974668,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.16174757480621338},{"word":"to","start":573.605,"end":573.84503,"confidence":0.9986401,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13651801645755768},{"word":"rebalance","start":573.84503,"end":574.34503,"confidence":0.99657434,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":0.31553828716278076},{"word":"at","start":574.405,"end":574.565,"confidence":0.9957461,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.38036030530929565},{"word":"the","start":574.565,"end":574.725,"confidence":0.9975298,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.45386579632759094},{"word":"same","start":574.725,"end":574.965,"confidence":0.99927956,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.4727209508419037},{"word":"time","start":574.965,"end":575.205,"confidence":0.97098625,"punctuated_word":"time,","sentiment":"positive","sentiment_score":0.5313538908958435},{"word":"which","start":575.205,"end":575.445,"confidence":0.997382,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5727497935295105},{"word":"is","start":575.445,"end":575.525,"confidence":0.9980563,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5935802459716797},{"word":"a","start":575.525,"end":575.685,"confidence":0.9760534,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5827771425247192},{"word":"benefit","start":575.685,"end":576.165,"confidence":0.9992042,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.5301388502120972},{"word":"for","start":576.165,"end":576.405,"confidence":0.9918555,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5583352446556091},{"word":"you","start":576.405,"end":576.805,"confidence":0.99774873,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4791302978992462},{"word":"okay","start":576.805,"end":577.305,"confidence":0.9867313,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.18645671010017395},{"word":"so","start":579.045,"end":579.28503,"confidence":0.684452,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1078391745686531},{"word":"what","start":579.28503,"end":579.445,"confidence":0.9878471,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1449981927871704},{"word":"we're","start":579.445,"end":579.685,"confidence":0.99736106,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.12548650801181793},{"word":"gonna","start":579.685,"end":580.005,"confidence":0.9957337,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.15284478664398193},{"word":"be","start":580.005,"end":580.085,"confidence":0.9899317,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1417294591665268},{"word":"doing","start":580.085,"end":580.325,"confidence":0.9953891,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.17691540718078613},{"word":"is","start":580.325,"end":580.565,"confidence":0.98703593,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15997886657714844},{"word":"we're","start":580.565,"end":580.645,"confidence":0.8420609,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.15194186568260193},{"word":"rebalancing","start":580.645,"end":581.145,"confidence":0.99651504,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.11276908963918686},{"word":"the","start":581.365,"end":581.525,"confidence":0.7667253,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07837067544460297},{"word":"cyber","start":581.525,"end":581.85,"confidence":0.65525794,"punctuated_word":"cyber","sentiment":"neutral","sentiment_score":0.10403663665056229},{"word":"security","start":582.08997,"end":582.41,"confidence":0.99623775,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.009445838630199432},{"word":"and","start":582.41,"end":582.73,"confidence":0.98510367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04301021248102188},{"word":"the","start":582.73,"end":582.88995,"confidence":0.9995468,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08660712838172913},{"word":"india","start":582.88995,"end":583.37,"confidence":0.99652845,"punctuated_word":"India","sentiment":"neutral","sentiment_score":0.05488700419664383},{"word":"quality","start":583.37,"end":583.87,"confidence":0.8641334,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.07536794990301132},{"word":"etf","start":583.93,"end":584.41,"confidence":0.98011804,"punctuated_word":"ETF.","sentiment":"neutral","sentiment_score":0.0560053288936615},{"word":"you'll","start":584.41,"end":584.64996,"confidence":0.9247701,"punctuated_word":"You'll","sentiment":"neutral","sentiment_score":0.1463477611541748},{"word":"have","start":584.64996,"end":584.97,"confidence":0.9998996,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14369092881679535},{"word":"7%","start":584.97,"end":585.52997,"confidence":0.9989066,"punctuated_word":"7%","sentiment":"neutral","sentiment_score":0.14915941655635834},{"word":"in","start":585.52997,"end":585.69,"confidence":0.9930131,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11341461539268494},{"word":"there","start":585.69,"end":585.93,"confidence":0.99009407,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.0931953191757202},{"word":"we're","start":585.93,"end":586.08997,"confidence":0.9981747,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.21354572474956512},{"word":"gonna","start":586.08997,"end":586.32996,"confidence":0.99808985,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.25810086727142334},{"word":"sell","start":586.32996,"end":586.64996,"confidence":0.99508864,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.20156937837600708},{"word":"about","start":586.64996,"end":586.88995,"confidence":0.9967097,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13662642240524292},{"word":"393","start":586.88995,"end":588.00995,"confidence":0.90223616,"punctuated_word":"393","sentiment":"neutral","sentiment_score":0.09863275289535522},{"word":"of","start":588.00995,"end":588.25,"confidence":0.9748457,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13793310523033142},{"word":"cyber","start":588.25,"end":588.49,"confidence":0.8289805,"punctuated_word":"cyber","sentiment":"neutral","sentiment_score":0.07231982052326202},{"word":"security","start":588.49,"end":588.97,"confidence":0.9600696,"punctuated_word":"security,","sentiment":"neutral","sentiment_score":0.0955221876502037},{"word":"a","start":588.97,"end":589.05,"confidence":0.99546224,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1652727872133255},{"word":"$118","start":589.05,"end":590.32996,"confidence":0.9987221,"punctuated_word":"$118","sentiment":"neutral","sentiment_score":0.1617223471403122},{"word":"of","start":590.32996,"end":590.82996,"confidence":0.9983204,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16893664002418518},{"word":"india","start":590.97,"end":591.47,"confidence":0.8920756,"punctuated_word":"India","sentiment":"neutral","sentiment_score":0.10282248258590698},{"word":"quality","start":591.52997,"end":592.00995,"confidence":0.97762144,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.1361204981803894},{"word":"etf","start":592.00995,"end":592.50995,"confidence":0.99327326,"punctuated_word":"ETF","sentiment":"neutral","sentiment_score":0.1289796531200409},{"word":"just","start":592.73,"end":592.97,"confidence":0.5779683,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1843215823173523},{"word":"to","start":592.97,"end":593.13,"confidence":0.99980086,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2205483466386795},{"word":"bring","start":593.13,"end":593.37,"confidence":0.99957424,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.24408619105815887},{"word":"you","start":593.37,"end":593.52997,"confidence":0.9967495,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3582562506198883},{"word":"back","start":593.52997,"end":593.69,"confidence":0.9996916,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.27106672525405884},{"word":"to","start":593.69,"end":593.85,"confidence":0.99956685,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.28224894404411316},{"word":"the","start":593.85,"end":593.93,"confidence":0.99841094,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34033486247062683},{"word":"level","start":593.93,"end":594.25,"confidence":0.99988174,"punctuated_word":"level","sentiment":"positive","sentiment_score":0.34652820229530334},{"word":"you","start":594.25,"end":594.41,"confidence":0.98046,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.47978800535202026},{"word":"should","start":594.41,"end":594.64996,"confidence":0.99973196,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.4117186963558197},{"word":"be","start":594.64996,"end":594.81,"confidence":0.9989667,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.28099462389945984},{"word":"in","start":594.81,"end":594.88995,"confidence":0.985471,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.27076226472854614},{"word":"a","start":594.88995,"end":595.13,"confidence":0.9056665,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2513699233531952},{"word":"rebalance","start":595.13,"end":595.61,"confidence":0.91027635,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":0.12147070467472076},{"word":"set","start":595.61,"end":596.11,"confidence":0.87408006,"punctuated_word":"set.","sentiment":"neutral","sentiment_score":0.18251320719718933},{"word":"we'll","start":596.355,"end":596.515,"confidence":0.99729705,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.14487698674201965},{"word":"be","start":596.515,"end":596.595,"confidence":0.9994697,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.16334006190299988},{"word":"buying","start":596.595,"end":596.995,"confidence":0.99911064,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.10885298997163773},{"word":"into","start":596.995,"end":597.155,"confidence":0.99092054,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0851384848356247},{"word":"a","start":597.155,"end":597.315,"confidence":0.9954047,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1183525249361992},{"word":"bit","start":597.315,"end":597.555,"confidence":0.9968778,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.108658567070961},{"word":"of","start":597.555,"end":597.635,"confidence":0.9771888,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06515350192785263},{"word":"the","start":597.635,"end":597.875,"confidence":0.8159811,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08278477936983109},{"word":"global","start":597.875,"end":598.27496,"confidence":0.8520263,"punctuated_word":"Global","sentiment":"neutral","sentiment_score":0.08641420304775238},{"word":"healthcare","start":598.27496,"end":598.77496,"confidence":0.80082893,"punctuated_word":"Healthcare,","sentiment":"neutral","sentiment_score":0.14100264012813568},{"word":"so","start":598.83496,"end":598.995,"confidence":0.9463223,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.14603184163570404},{"word":"rebalancing","start":598.995,"end":599.495,"confidence":0.99614555,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.12943032383918762},{"word":"that","start":599.71497,"end":599.875,"confidence":0.99589217,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13006746768951416},{"word":"one","start":599.875,"end":600.115,"confidence":0.99962234,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.05789010226726532},{"word":"for","start":600.115,"end":600.27496,"confidence":0.9996333,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15124550461769104},{"word":"you","start":600.27496,"end":600.675,"confidence":0.8783611,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.14138945937156677},{"word":"buying","start":600.675,"end":600.995,"confidence":0.99939907,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.11075513064861298},{"word":"a","start":600.995,"end":601.075,"confidence":0.9993418,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14715871214866638},{"word":"bit","start":601.075,"end":601.235,"confidence":0.9998708,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.13112206757068634},{"word":"more","start":601.235,"end":601.395,"confidence":0.9994056,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.09502221643924712},{"word":"of","start":601.395,"end":601.475,"confidence":0.99592185,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0961771085858345},{"word":"the","start":601.475,"end":601.71497,"confidence":0.99908173,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1068689227104187},{"word":"s","start":601.71497,"end":601.875,"confidence":0.758034,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.07618031650781631},{"word":"and","start":601.875,"end":602.035,"confidence":0.9629633,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06778571754693985},{"word":"p","start":602.035,"end":602.27496,"confidence":0.99929845,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.07064836472272873},{"word":"500","start":602.27496,"end":603.015,"confidence":0.9986155,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.1084580048918724},{"word":"to","start":603.395,"end":603.555,"confidence":0.99070483,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15847203135490415},{"word":"rebalance","start":603.555,"end":604.055,"confidence":0.99952793,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":0.09358495473861694},{"word":"it","start":604.115,"end":604.615,"confidence":0.9541466,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.12970559298992157},{"word":"buying","start":604.755,"end":605.075,"confidence":0.97004527,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.1109258383512497},{"word":"a","start":605.075,"end":605.15497,"confidence":0.9956418,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13591980934143066},{"word":"bit","start":605.15497,"end":605.395,"confidence":0.99943835,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1295105367898941},{"word":"more","start":605.395,"end":605.555,"confidence":0.99853885,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.08111404627561569},{"word":"of","start":605.555,"end":605.635,"confidence":0.980518,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09394785761833192},{"word":"the","start":605.635,"end":605.795,"confidence":0.9935541,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10817307233810423},{"word":"raffi","start":605.795,"end":606.115,"confidence":0.66331404,"punctuated_word":"Raffi","sentiment":"neutral","sentiment_score":0.073478564620018},{"word":"aussie","start":606.115,"end":606.515,"confidence":0.98233557,"punctuated_word":"Aussie","sentiment":"neutral","sentiment_score":0.10437798500061037},{"word":"200","start":606.515,"end":606.995,"confidence":0.99911344,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.10226956754922868},{"word":"to","start":606.995,"end":607.15497,"confidence":0.9979202,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16124141216278076},{"word":"rebalance","start":607.15497,"end":607.65497,"confidence":0.9994605,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":0.0965593159198761},{"word":"that","start":607.71497,"end":607.875,"confidence":0.9952057,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09325622767210008},{"word":"one","start":607.875,"end":608.115,"confidence":0.9964868,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.002165399491786957},{"word":"as","start":608.115,"end":608.195,"confidence":0.9977023,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1626131385564804},{"word":"well","start":608.195,"end":608.515,"confidence":0.9710145,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.12323514372110368},{"word":"and","start":608.515,"end":608.675,"confidence":0.97808766,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11856729537248611},{"word":"then","start":608.675,"end":608.915,"confidence":0.99760383,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.15371227264404297},{"word":"selling","start":608.915,"end":609.315,"confidence":0.9941624,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":0.027062751352787014},{"word":"all","start":609.315,"end":609.555,"confidence":0.9918104,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.031175531446933743},{"word":"of","start":609.555,"end":609.635,"confidence":0.98492384,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0026787668466567993},{"word":"the","start":609.635,"end":609.795,"confidence":0.9717173,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.017682552337646484},{"word":"van","start":609.795,"end":610.035,"confidence":0.4116562,"punctuated_word":"Van","sentiment":"neutral","sentiment_score":-0.045472852885723114},{"word":"alung","start":610.035,"end":610.27496,"confidence":0.3348291,"punctuated_word":"Alung","sentiment":"neutral","sentiment_score":-0.022407161071896553},{"word":"to","start":610.27496,"end":610.355,"confidence":0.97087604,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04985826462507248},{"word":"get","start":610.355,"end":610.515,"confidence":0.9944218,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.05293803662061691},{"word":"rid","start":610.515,"end":610.675,"confidence":0.9936911,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.09384234994649888},{"word":"of","start":610.675,"end":610.83496,"confidence":0.97418797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1156952902674675},{"word":"that","start":610.83496,"end":610.995,"confidence":0.60910416,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1855245679616928},{"word":"underperforming","start":610.995,"end":611.475,"confidence":0.96525717,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.2230355143547058},{"word":"investment","start":611.475,"end":611.975,"confidence":0.8872901,"punctuated_word":"investment.","sentiment":"neutral","sentiment_score":-0.17158977687358856},{"word":"we","start":613.13,"end":613.45,"confidence":0.9587584,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.0013922825455665588},{"word":"are","start":613.45,"end":613.77,"confidence":0.999845,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.014199770987033844},{"word":"replacing","start":613.77,"end":614.27,"confidence":0.99539953,"punctuated_word":"replacing","sentiment":"neutral","sentiment_score":-0.042594388127326965},{"word":"van","start":614.41003,"end":614.73004,"confidence":0.99070495,"punctuated_word":"Van","sentiment":"neutral","sentiment_score":-0.06595942378044128},{"word":"along","start":614.73004,"end":615.13,"confidence":0.99518573,"punctuated_word":"Along","sentiment":"neutral","sentiment_score":-0.02976074069738388},{"word":"with","start":615.13,"end":615.37006,"confidence":0.9991781,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.010933645069599152},{"word":"the","start":615.37006,"end":615.53,"confidence":0.99231166,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005500614643096924},{"word":"betashares","start":615.53,"end":616.03,"confidence":0.8022878,"punctuated_word":"BetaShares","sentiment":"neutral","sentiment_score":-0.00613343995064497},{"word":"a","start":616.41003,"end":616.65,"confidence":0.980115,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0032003745436668396},{"word":"200","start":616.65,"end":617.21,"confidence":0.9726508,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.012232005596160889},{"word":"which","start":617.21,"end":617.45,"confidence":0.999511,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.044206712394952774},{"word":"you'll","start":617.45,"end":617.77,"confidence":0.9974615,"punctuated_word":"you'll","sentiment":"neutral","sentiment_score":0.05594542250037193},{"word":"see","start":617.77,"end":617.93005,"confidence":0.9987779,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.06845936924219131},{"word":"in","start":617.93005,"end":618.17004,"confidence":0.9980059,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05728071555495262},{"word":"here","start":618.17004,"end":618.67004,"confidence":0.9989397,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.05512277036905289},{"word":"essentially","start":619.45,"end":619.95,"confidence":0.99380887,"punctuated_word":"Essentially,","sentiment":"neutral","sentiment_score":0.017048291862010956},{"word":"it","start":620.01,"end":620.17004,"confidence":0.99950266,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.028691023588180545},{"word":"is","start":620.17004,"end":620.41003,"confidence":0.99884605,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0058101266622543335},{"word":"still","start":620.41003,"end":620.65,"confidence":0.9998574,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.019848167896270752},{"word":"giving","start":620.65,"end":620.89,"confidence":0.999501,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.0015294253826141355},{"word":"you","start":620.89,"end":621.13,"confidence":0.9982535,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.018146269023418427},{"word":"exposure","start":621.13,"end":621.61005,"confidence":0.9987752,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":-0.0023660510778427124},{"word":"to","start":621.61005,"end":621.85004,"confidence":0.99915636,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.00961454212665558},{"word":"the","start":621.85004,"end":622.09,"confidence":0.99943846,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.017971262335777283},{"word":"top","start":622.09,"end":622.33,"confidence":0.99943846,"punctuated_word":"top","sentiment":"neutral","sentiment_score":-0.009581327438354492},{"word":"200","start":622.33,"end":622.89,"confidence":0.9998857,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.002609439194202423},{"word":"companies","start":622.89,"end":623.29004,"confidence":0.9990054,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":-0.00903494656085968},{"word":"in","start":623.29004,"end":623.53,"confidence":0.86602294,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.011757418513298036},{"word":"australia","start":623.53,"end":623.93005,"confidence":0.9783788,"punctuated_word":"Australia.","sentiment":"neutral","sentiment_score":0.028599105775356293},{"word":"it's","start":623.93005,"end":624.17004,"confidence":0.9860215,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.028990544378757477},{"word":"still","start":624.17004,"end":624.33,"confidence":0.9990677,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.05835041403770447},{"word":"giving","start":624.33,"end":624.65,"confidence":0.9987232,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.03919783979654312},{"word":"you","start":624.65,"end":625.095,"confidence":0.6036102,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0600888729095459},{"word":"the","start":625.57495,"end":626.055,"confidence":0.9177756,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.043950553983449936},{"word":"australian","start":626.055,"end":626.535,"confidence":0.9955843,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.04176292568445206},{"word":"equity","start":626.535,"end":627.01495,"confidence":0.98376065,"punctuated_word":"equity","sentiment":"neutral","sentiment_score":0.02955087274312973},{"word":"exposure","start":627.01495,"end":627.51495,"confidence":0.992866,"punctuated_word":"exposure.","sentiment":"neutral","sentiment_score":0.024782519787549973},{"word":"the","start":627.89496,"end":628.13495,"confidence":0.9760248,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.01208869367837906},{"word":"main","start":628.13495,"end":628.375,"confidence":0.98952395,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.0019256994128227232},{"word":"sort","start":628.375,"end":628.535,"confidence":0.65869594,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.017409607768058777},{"word":"of","start":628.535,"end":628.615,"confidence":0.9777304,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01425127312541008},{"word":"difference","start":628.615,"end":629.095,"confidence":0.9934629,"punctuated_word":"difference","sentiment":"neutral","sentiment_score":-0.04134272411465645},{"word":"is","start":629.095,"end":629.25494,"confidence":0.99978656,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.010307993739843369},{"word":"the","start":629.25494,"end":629.495,"confidence":0.98076093,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.015613287687301636},{"word":"a","start":629.495,"end":629.65497,"confidence":0.98930234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02415853552520275},{"word":"200","start":629.65497,"end":630.21497,"confidence":0.99922055,"punctuated_word":"200","sentiment":"neutral","sentiment_score":-0.03815232962369919},{"word":"is","start":630.21497,"end":630.295,"confidence":0.99848264,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02158287912607193},{"word":"more","start":630.295,"end":630.535,"confidence":0.99956506,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.02941722422838211},{"word":"of","start":630.535,"end":630.615,"confidence":0.9982698,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.013664335012435911},{"word":"a","start":630.615,"end":630.77496,"confidence":0.9969842,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.010022269561886787},{"word":"passively","start":630.77496,"end":631.25494,"confidence":0.9976513,"punctuated_word":"passively","sentiment":"neutral","sentiment_score":-0.02147544175386429},{"word":"managed","start":631.25494,"end":631.57495,"confidence":0.9928833,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":-0.027454711496829987},{"word":"fund","start":631.57495,"end":631.81494,"confidence":0.83991766,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":0.0024415273219347},{"word":"so","start":631.81494,"end":632.055,"confidence":0.9968221,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.037905093282461166},{"word":"it","start":632.055,"end":632.21497,"confidence":0.9567009,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0430055633187294},{"word":"tracks","start":632.21497,"end":632.615,"confidence":0.9604268,"punctuated_word":"tracks","sentiment":"neutral","sentiment_score":0.025425739586353305},{"word":"the","start":632.615,"end":632.77496,"confidence":0.9980258,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03242005035281181},{"word":"top","start":632.77496,"end":633.01495,"confidence":0.99868923,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.035870276391506195},{"word":"200","start":633.01495,"end":633.65497,"confidence":0.99972,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.03535352274775505},{"word":"companies","start":633.65497,"end":634.13495,"confidence":0.9989165,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.02422880381345749},{"word":"in","start":634.13495,"end":634.295,"confidence":0.99868983,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04919273033738136},{"word":"australia","start":634.295,"end":634.69495,"confidence":0.99846435,"punctuated_word":"Australia","sentiment":"neutral","sentiment_score":0.06883688271045685},{"word":"and","start":634.69495,"end":634.77496,"confidence":0.9622772,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07077404856681824},{"word":"the","start":634.77496,"end":634.935,"confidence":0.9983014,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.056537918746471405},{"word":"index","start":634.935,"end":635.415,"confidence":0.9682201,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.03283481299877167},{"word":"with","start":635.415,"end":635.57495,"confidence":0.99703705,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.029546339064836506},{"word":"regard","start":635.57495,"end":635.975,"confidence":0.9920854,"punctuated_word":"regard","sentiment":"neutral","sentiment_score":0.02917414903640747},{"word":"to","start":635.975,"end":636.13495,"confidence":0.99782395,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0391438789665699},{"word":"that","start":636.13495,"end":636.63495,"confidence":0.99967766,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.025941969826817513},{"word":"one","start":636.69495,"end":636.935,"confidence":0.9992483,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.0340372771024704},{"word":"of","start":636.935,"end":637.01495,"confidence":0.99934214,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02360270917415619},{"word":"the","start":637.01495,"end":637.175,"confidence":0.99914277,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07928591221570969},{"word":"benefits","start":637.175,"end":637.57495,"confidence":0.9983847,"punctuated_word":"benefits","sentiment":"neutral","sentiment_score":0.01395542174577713},{"word":"of","start":637.57495,"end":637.735,"confidence":0.91688675,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.008637718856334686},{"word":"having","start":637.735,"end":638.055,"confidence":0.9993993,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.008935242891311646},{"word":"the","start":638.055,"end":638.21497,"confidence":0.9527091,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.017324186861515045},{"word":"a","start":638.21497,"end":638.45496,"confidence":0.9978377,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.010241031646728516},{"word":"two","start":638.45496,"end":638.615,"confidence":0.9970145,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.024260960519313812},{"word":"hundred","start":638.615,"end":639.01495,"confidence":0.9989164,"punctuated_word":"hundred","sentiment":"neutral","sentiment_score":0.10064899176359177},{"word":"over","start":639.01495,"end":639.33496,"confidence":0.99574715,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.07194025069475174},{"word":"bennelong","start":639.33496,"end":639.81494,"confidence":0.84259784,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.04173512384295464},{"word":"is","start":639.81494,"end":639.975,"confidence":0.98651135,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.018652021884918213},{"word":"bennelong","start":639.975,"end":640.45496,"confidence":0.9916054,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.1252182126045227},{"word":"was","start":640.45496,"end":640.615,"confidence":0.96715933,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.10836288332939148},{"word":"meant","start":640.615,"end":640.89,"confidence":0.9918902,"punctuated_word":"meant","sentiment":"neutral","sentiment_score":-0.12543785572052002},{"word":"to","start":640.89,"end":641.05,"confidence":0.59353155,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07672040909528732},{"word":"be","start":641.05,"end":641.13,"confidence":0.98952407,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07261396944522858},{"word":"more","start":641.13,"end":641.21,"confidence":0.99914455,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.04987892508506775},{"word":"of","start":641.21,"end":641.29004,"confidence":0.9977059,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05394711345434189},{"word":"an","start":641.29004,"end":641.45,"confidence":0.99726367,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.04836934804916382},{"word":"actively","start":641.45,"end":641.93,"confidence":0.9987394,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":-0.016322121024131775},{"word":"managed","start":641.93,"end":642.33,"confidence":0.9951018,"punctuated_word":"managed","sentiment":"neutral","sentiment_score":-0.10272745043039322},{"word":"component","start":642.33,"end":642.81,"confidence":0.97120476,"punctuated_word":"component,","sentiment":"neutral","sentiment_score":-0.06844516098499298},{"word":"but","start":642.81,"end":642.97003,"confidence":0.99977213,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.08256008476018906},{"word":"they","start":642.97003,"end":643.13,"confidence":0.99892956,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.23548412322998047},{"word":"don't","start":643.13,"end":643.29004,"confidence":0.9903362,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.17441678047180176},{"word":"haven't","start":643.37,"end":643.53,"confidence":0.9980316,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.186543807387352},{"word":"really","start":643.53,"end":643.77,"confidence":0.9973304,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.19148042798042297},{"word":"been","start":643.77,"end":644.01,"confidence":0.9849354,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.18585322797298431},{"word":"very","start":644.01,"end":644.25,"confidence":0.9923758,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.22709284722805023},{"word":"actively","start":644.25,"end":644.65,"confidence":0.9998921,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":-0.15964573621749878},{"word":"managing","start":644.65,"end":645.05,"confidence":0.9996606,"punctuated_word":"managing","sentiment":"neutral","sentiment_score":-0.2574737071990967},{"word":"their","start":645.05,"end":645.37,"confidence":0.9963116,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.2990952134132385},{"word":"portfolio","start":645.37,"end":645.87,"confidence":0.9454812,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":-0.23863442242145536},{"word":"and","start":646.09,"end":646.41003,"confidence":0.99951065,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.1621706187725067},{"word":"as","start":646.41003,"end":646.57,"confidence":0.9548018,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.15855665504932404},{"word":"such","start":646.57,"end":646.89,"confidence":0.9857155,"punctuated_word":"such,","sentiment":"neutral","sentiment_score":-0.1251070499420166},{"word":"they've","start":646.89,"end":647.05,"confidence":0.86867285,"punctuated_word":"they've","sentiment":"negative","sentiment_score":-0.46649059653282166},{"word":"been","start":647.05,"end":647.29004,"confidence":0.94652486,"punctuated_word":"been","sentiment":"negative","sentiment_score":-0.5123414397239685},{"word":"underperforming","start":647.29004,"end":647.79004,"confidence":0.9699596,"punctuated_word":"underperforming","sentiment":"negative","sentiment_score":-0.4679529368877411},{"word":"with","start":648.17004,"end":648.33,"confidence":0.9991228,"punctuated_word":"with","sentiment":"negative","sentiment_score":-0.49933379888534546},{"word":"their","start":648.33,"end":648.65,"confidence":0.9709191,"punctuated_word":"their","sentiment":"negative","sentiment_score":-0.48751509189605713},{"word":"investments","start":648.65,"end":649.15,"confidence":0.989611,"punctuated_word":"investments","sentiment":"negative","sentiment_score":-0.4191409051418304},{"word":"not","start":649.21,"end":649.45,"confidence":0.9533199,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.4127089679241181},{"word":"working","start":649.45,"end":649.77,"confidence":0.9999083,"punctuated_word":"working","sentiment":"negative","sentiment_score":-0.35103148221969604},{"word":"within","start":649.77,"end":650.09,"confidence":0.99443734,"punctuated_word":"within","sentiment":"negative","sentiment_score":-0.35987234115600586},{"word":"the","start":650.09,"end":650.25,"confidence":0.9980263,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.33584874868392944},{"word":"fund","start":650.25,"end":650.49,"confidence":0.9885738,"punctuated_word":"fund","sentiment":"negative","sentiment_score":-0.3670959770679474},{"word":"there","start":650.49,"end":650.99,"confidence":0.99808323,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.324725478887558},{"word":"the","start":651.13,"end":651.37,"confidence":0.99868876,"punctuated_word":"The","sentiment":"negative","sentiment_score":-0.35804736614227295},{"word":"a","start":651.37,"end":651.53,"confidence":0.99579084,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.36072421073913574},{"word":"two","start":651.53,"end":651.69,"confidence":0.99960214,"punctuated_word":"two","sentiment":"negative","sentiment_score":-0.3691602945327759},{"word":"hundred","start":651.69,"end":652.09,"confidence":0.9998035,"punctuated_word":"hundred","sentiment":"negative","sentiment_score":-0.36293187737464905},{"word":"isn't","start":652.09,"end":652.33,"confidence":0.99911034,"punctuated_word":"isn't","sentiment":"neutral","sentiment_score":-0.3104708194732666},{"word":"actively","start":652.33,"end":652.83,"confidence":0.9996505,"punctuated_word":"actively","sentiment":"negative","sentiment_score":-0.3454835116863251},{"word":"managed","start":652.89,"end":653.29004,"confidence":0.9501375,"punctuated_word":"managed.","sentiment":"neutral","sentiment_score":-0.13004066050052643},{"word":"it's","start":653.29004,"end":653.45,"confidence":0.9982748,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2985308766365051},{"word":"just","start":653.45,"end":653.69,"confidence":0.96245736,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3332386016845703},{"word":"tracking","start":653.69,"end":654.01,"confidence":0.99441457,"punctuated_word":"tracking","sentiment":"positive","sentiment_score":0.35875579714775085},{"word":"an","start":654.01,"end":654.25,"confidence":0.96375084,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.37370777130126953},{"word":"index","start":654.25,"end":654.675,"confidence":0.8178632,"punctuated_word":"index,","sentiment":"neutral","sentiment_score":0.30185025930404663},{"word":"and","start":654.675,"end":654.915,"confidence":0.999752,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21382056176662445},{"word":"as","start":654.915,"end":655.15497,"confidence":0.8959989,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.26091405749320984},{"word":"such","start":655.15497,"end":655.39496,"confidence":0.9594102,"punctuated_word":"such,","sentiment":"neutral","sentiment_score":0.33152973651885986},{"word":"the","start":655.39496,"end":655.635,"confidence":0.999432,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4874531626701355},{"word":"management","start":655.635,"end":656.035,"confidence":0.9998357,"punctuated_word":"management","sentiment":"positive","sentiment_score":0.4826526641845703},{"word":"fees","start":656.035,"end":656.355,"confidence":0.9080598,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.47900334000587463},{"word":"are","start":656.355,"end":656.595,"confidence":0.98893666,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.497741162776947},{"word":"actually","start":656.595,"end":656.995,"confidence":0.99553853,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.5577853322029114},{"word":"cheaper","start":656.995,"end":657.495,"confidence":0.9991045,"punctuated_word":"cheaper.","sentiment":"positive","sentiment_score":0.37691548466682434},{"word":"it","start":657.71497,"end":657.875,"confidence":0.9985019,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.4338476061820984},{"word":"tracks","start":657.875,"end":658.195,"confidence":0.97516847,"punctuated_word":"tracks","sentiment":"positive","sentiment_score":0.41618573665618896},{"word":"the","start":658.195,"end":658.355,"confidence":0.83215123,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4569261968135834},{"word":"top","start":658.355,"end":658.595,"confidence":0.996357,"punctuated_word":"top","sentiment":"positive","sentiment_score":0.4179327189922333},{"word":"200","start":658.595,"end":659.235,"confidence":0.99806964,"punctuated_word":"200","sentiment":"positive","sentiment_score":0.5212214589118958},{"word":"companies","start":659.235,"end":659.635,"confidence":0.9986533,"punctuated_word":"companies","sentiment":"positive","sentiment_score":0.4012274742126465},{"word":"on","start":659.635,"end":659.795,"confidence":0.9987531,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.4322314858436585},{"word":"the","start":659.795,"end":659.875,"confidence":0.97527313,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.39232349395751953},{"word":"australian","start":659.875,"end":660.375,"confidence":0.99788934,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":0.28573787212371826},{"word":"a","start":660.435,"end":660.595,"confidence":0.39457205,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.30074748396873474},{"word":"xf","start":660.595,"end":660.995,"confidence":0.6054883,"punctuated_word":"XF,","sentiment":"neutral","sentiment_score":0.3311936557292938},{"word":"so","start":660.995,"end":661.15497,"confidence":0.999084,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.28030911087989807},{"word":"it's","start":661.15497,"end":661.475,"confidence":0.9984864,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4137415289878845},{"word":"actually","start":661.475,"end":661.795,"confidence":0.99275935,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.4545636177062988},{"word":"giving","start":661.795,"end":662.035,"confidence":0.9991731,"punctuated_word":"giving","sentiment":"positive","sentiment_score":0.42046764492988586},{"word":"you","start":662.035,"end":662.195,"confidence":0.99982977,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4756234586238861},{"word":"a","start":662.195,"end":662.27496,"confidence":0.99988663,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4283246994018554},{"word":"little","start":662.27496,"end":662.515,"confidence":0.9997898,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.3323265314102173},{"word":"bit","start":662.515,"end":662.755,"confidence":0.999534,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.33334970474243164},{"word":"more","start":662.755,"end":662.995,"confidence":0.99974376,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.308802992105484},{"word":"australian","start":662.995,"end":663.495,"confidence":0.9990416,"punctuated_word":"Australian","sentiment":"positive","sentiment_score":0.44651052355766296},{"word":"exposure","start":663.555,"end":664.055,"confidence":0.9975754,"punctuated_word":"exposure.","sentiment":"positive","sentiment_score":0.3926749229431152},{"word":"you've","start":664.115,"end":664.355,"confidence":0.9807446,"punctuated_word":"You've","sentiment":"positive","sentiment_score":0.5017610788345337},{"word":"got","start":664.355,"end":664.515,"confidence":0.9994943,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.5343471765518188},{"word":"more","start":664.515,"end":664.755,"confidence":0.99982834,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.525427520275116},{"word":"companies","start":664.755,"end":665.235,"confidence":0.9996892,"punctuated_word":"companies","sentiment":"positive","sentiment_score":0.6121506094932556},{"word":"to","start":665.235,"end":665.39496,"confidence":0.9971764,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5772092938423157},{"word":"diversify","start":665.39496,"end":665.89496,"confidence":0.99981606,"punctuated_word":"diversify","sentiment":"positive","sentiment_score":0.5281575918197632},{"word":"your","start":666.035,"end":666.195,"confidence":0.99828464,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5476940870285034},{"word":"portfolio","start":666.195,"end":666.695,"confidence":0.9998648,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.4906027317047119},{"word":"with","start":666.83496,"end":667.23,"confidence":0.88734335,"punctuated_word":"with,","sentiment":"positive","sentiment_score":0.4773818254470825},{"word":"and","start":667.70996,"end":667.94995,"confidence":0.9282133,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5119460225105286},{"word":"having","start":667.94995,"end":668.19,"confidence":0.9980433,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.6369529962539673},{"word":"cheaper","start":668.19,"end":668.51,"confidence":0.97812384,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.648429274559021},{"word":"management","start":668.51,"end":668.99,"confidence":0.99949825,"punctuated_word":"management","sentiment":"positive","sentiment_score":0.6523695588111877},{"word":"fees","start":668.99,"end":669.23,"confidence":0.97446764,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.7217501401901245},{"word":"provides","start":669.23,"end":669.63,"confidence":0.9399426,"punctuated_word":"provides","sentiment":"positive","sentiment_score":0.570862889289856},{"word":"a","start":669.63,"end":669.70996,"confidence":0.82113624,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6070883870124817},{"word":"benefit","start":669.70996,"end":670.19,"confidence":0.99969625,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.549734354019165},{"word":"to","start":670.19,"end":670.35,"confidence":0.99619836,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5844898819923401},{"word":"you","start":670.35,"end":670.85,"confidence":0.99607044,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4873199462890625},{"word":"with","start":670.99,"end":671.23,"confidence":0.9993924,"punctuated_word":"With","sentiment":"positive","sentiment_score":0.4321383535861969},{"word":"the","start":671.23,"end":671.47,"confidence":0.99754506,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4090315401554108},{"word":"a","start":671.47,"end":671.70996,"confidence":0.99768305,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3933864235877991},{"word":"200","start":671.70996,"end":672.26996,"confidence":0.92517823,"punctuated_word":"200,","sentiment":"neutral","sentiment_score":0.26235997676849365},{"word":"similar","start":672.26996,"end":672.67,"confidence":0.9852174,"punctuated_word":"similar","sentiment":"neutral","sentiment_score":0.23982323706150055},{"word":"to","start":672.67,"end":672.82996,"confidence":0.99681926,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3070047199726105},{"word":"the","start":672.82996,"end":672.99,"confidence":0.9945978,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2305586040019989},{"word":"s","start":672.99,"end":673.14996,"confidence":0.857355,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.20873668789863584},{"word":"and","start":673.14996,"end":673.23,"confidence":0.975817,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19730578362941745},{"word":"p","start":673.23,"end":673.55,"confidence":0.99871397,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.16645203530788422},{"word":"500","start":673.55,"end":674.19,"confidence":0.9973876,"punctuated_word":"500,","sentiment":"neutral","sentiment_score":0.24911907315254211},{"word":"having","start":674.19,"end":674.58997,"confidence":0.9998704,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.4520273804664612},{"word":"exposure","start":674.58997,"end":674.99,"confidence":0.9946148,"punctuated_word":"exposure","sentiment":"positive","sentiment_score":0.49092209339141846},{"word":"to","start":674.99,"end":675.23,"confidence":0.99943477,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.553524911403656},{"word":"these","start":675.23,"end":675.47,"confidence":0.999172,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.5263808369636536},{"word":"indexes","start":675.47,"end":675.97,"confidence":0.99443614,"punctuated_word":"indexes","sentiment":"positive","sentiment_score":0.5000095367431641},{"word":"is","start":676.11,"end":676.35,"confidence":0.99842477,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5455750226974487},{"word":"great","start":676.35,"end":676.82996,"confidence":0.9861432,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.5799070596694946},{"word":"because","start":676.82996,"end":677.32996,"confidence":0.7926368,"punctuated_word":"because","sentiment":"positive","sentiment_score":0.37402305006980896},{"word":"there's","start":677.94995,"end":678.43,"confidence":0.9806923,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.509931743144989},{"word":"a","start":678.43,"end":678.58997,"confidence":0.99426174,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.512271523475647},{"word":"certain","start":678.58997,"end":679.08997,"confidence":0.9998901,"punctuated_word":"certain","sentiment":"positive","sentiment_score":0.48129159212112427},{"word":"criteria","start":679.23,"end":679.73,"confidence":0.992382,"punctuated_word":"criteria","sentiment":"positive","sentiment_score":0.3482714891433716},{"word":"that","start":679.94995,"end":680.11,"confidence":0.9994129,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.33875855803489685},{"word":"the","start":680.11,"end":680.26996,"confidence":0.99949217,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.289183109998703},{"word":"companies","start":680.26996,"end":680.75,"confidence":0.9919022,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.2507668137550354},{"word":"have","start":680.75,"end":680.99,"confidence":0.9918452,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.32170969247817993},{"word":"to","start":680.99,"end":681.07,"confidence":0.99968255,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2700607478618622},{"word":"meet","start":681.07,"end":681.38995,"confidence":0.8944477,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":0.2867905795574188},{"word":"to","start":681.38995,"end":681.55,"confidence":0.99603397,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3439929783344269},{"word":"be","start":681.55,"end":681.79,"confidence":0.9988103,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.3048977851867676},{"word":"in","start":681.79,"end":682.02997,"confidence":0.99982965,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3780885636806488},{"word":"these","start":682.02997,"end":682.26996,"confidence":0.99839526,"punctuated_word":"these","sentiment":"positive","sentiment_score":0.3891790211200714},{"word":"indexes","start":682.26996,"end":682.76996,"confidence":0.75932854,"punctuated_word":"indexes,","sentiment":"neutral","sentiment_score":0.31778085231781006},{"word":"and","start":683.355,"end":683.475,"confidence":0.9907963,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2453952729701996},{"word":"the","start":683.475,"end":683.595,"confidence":0.9986149,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2743436396121979},{"word":"beta","start":683.595,"end":683.995,"confidence":0.45121783,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.23778454959392548},{"word":"shares","start":683.995,"end":684.395,"confidence":0.92382073,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.18762953579425812},{"word":"a","start":684.395,"end":684.635,"confidence":0.9418349,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.23539817333221436},{"word":"200","start":684.635,"end":685.27496,"confidence":0.99954903,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.24788030982017517},{"word":"and","start":685.27496,"end":685.595,"confidence":0.97235537,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.19409804046154025},{"word":"the","start":685.595,"end":686.075,"confidence":0.889927,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2207172065973282},{"word":"beta","start":686.075,"end":686.475,"confidence":0.9386025,"punctuated_word":"beta","sentiment":"neutral","sentiment_score":0.10596215724945068},{"word":"sorry","start":686.635,"end":686.875,"confidence":0.8031637,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":0.12608781456947327},{"word":"the","start":686.875,"end":687.03503,"confidence":0.99210876,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.13363640010356903},{"word":"s","start":687.03503,"end":687.195,"confidence":0.97779924,"punctuated_word":"s","sentiment":"neutral","sentiment_score":0.14958226680755615},{"word":"ishares","start":687.675,"end":688.15497,"confidence":0.97668374,"punctuated_word":"iShares","sentiment":"neutral","sentiment_score":0.1382770836353302},{"word":"s","start":688.15497,"end":688.315,"confidence":0.7664015,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.11011191457509996},{"word":"and","start":688.315,"end":688.475,"confidence":0.9906713,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10760863125324248},{"word":"p","start":688.475,"end":688.795,"confidence":0.9992331,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.08632107079029083},{"word":"500","start":688.795,"end":689.455,"confidence":0.9930668,"punctuated_word":"500,","sentiment":"neutral","sentiment_score":0.13058829307556152},{"word":"they","start":689.675,"end":689.995,"confidence":0.9997241,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.10388801246881484},{"word":"track","start":689.995,"end":690.315,"confidence":0.9929328,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.1234782263636589},{"word":"those","start":690.315,"end":690.815,"confidence":0.9994592,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.13709275424480438},{"word":"indices","start":691.035,"end":691.535,"confidence":0.89948314,"punctuated_word":"indices.","sentiment":"neutral","sentiment_score":0.11546073108911514},{"word":"so","start":691.995,"end":692.235,"confidence":0.9996081,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10047408938407898},{"word":"if","start":692.235,"end":692.475,"confidence":0.99915755,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.062451526522636414},{"word":"companies","start":692.475,"end":692.875,"confidence":0.9992655,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.04307259619235992},{"word":"within","start":692.875,"end":693.195,"confidence":0.9990879,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.004911240190267563},{"word":"the","start":693.195,"end":693.355,"confidence":0.99924576,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06577669084072113},{"word":"indices","start":693.355,"end":693.83496,"confidence":0.9820629,"punctuated_word":"indices","sentiment":"neutral","sentiment_score":0.02397795394062996},{"word":"don't","start":693.83496,"end":693.995,"confidence":0.9992534,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.004157267510890961},{"word":"meet","start":693.995,"end":694.235,"confidence":0.95884556,"punctuated_word":"meet","sentiment":"neutral","sentiment_score":0.0014191679656505585},{"word":"a","start":694.235,"end":694.315,"confidence":0.5271171,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01803753525018692},{"word":"criteria","start":694.315,"end":694.815,"confidence":0.9988242,"punctuated_word":"criteria","sentiment":"neutral","sentiment_score":-0.012858949601650238},{"word":"to","start":694.955,"end":695.115,"confidence":0.9918046,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02905937656760216},{"word":"be","start":695.115,"end":695.27496,"confidence":0.9981717,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.007649332284927368},{"word":"in","start":695.27496,"end":695.435,"confidence":0.99939513,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.017994679510593414},{"word":"the","start":695.435,"end":695.595,"confidence":0.9965327,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04299908131361008},{"word":"top","start":695.595,"end":695.83496,"confidence":0.99948174,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.017162613570690155},{"word":"200","start":695.83496,"end":696.395,"confidence":0.99896526,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.03388958424329758},{"word":"on","start":696.395,"end":696.555,"confidence":0.7587116,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.015501581132411957},{"word":"the","start":696.555,"end":696.795,"confidence":0.9198578,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014109019190073012},{"word":"a","start":696.795,"end":697.035,"confidence":0.99292034,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03913576155900955},{"word":"200","start":697.035,"end":697.675,"confidence":0.9992348,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.045645080506801605},{"word":"or","start":697.675,"end":698.175,"confidence":0.9839659,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.013330403715372086},{"word":"in","start":698.22,"end":698.37994,"confidence":0.99965787,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.007254570722579956},{"word":"the","start":698.37994,"end":698.5,"confidence":0.9948566,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04900673404335976},{"word":"s","start":698.5,"end":698.62,"confidence":0.92565453,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.01776963099837303},{"word":"and","start":698.62,"end":698.69995,"confidence":0.9955627,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.004157226532697678},{"word":"p","start":698.69995,"end":699.01996,"confidence":0.99969566,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.01687675341963768},{"word":"500","start":699.01996,"end":699.66,"confidence":0.8819907,"punctuated_word":"500,","sentiment":"neutral","sentiment_score":0.02461305819451809},{"word":"they're","start":699.66,"end":699.89996,"confidence":0.9940157,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.001452457159757614},{"word":"actually","start":699.89996,"end":700.3,"confidence":0.99816126,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.0009874030947685242},{"word":"removed","start":700.3,"end":700.69995,"confidence":0.99935466,"punctuated_word":"removed","sentiment":"neutral","sentiment_score":-0.010710984468460085},{"word":"and","start":700.69995,"end":700.93994,"confidence":0.9987208,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.044979777187108994},{"word":"replaced","start":700.93994,"end":701.33997,"confidence":0.98989373,"punctuated_word":"replaced","sentiment":"neutral","sentiment_score":-0.020298734307289124},{"word":"with","start":701.33997,"end":701.5,"confidence":0.9873619,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.002118561416864395},{"word":"other","start":701.5,"end":701.81995,"confidence":0.99893564,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.003029003739356994},{"word":"companies","start":701.81995,"end":702.31995,"confidence":0.9800877,"punctuated_word":"companies.","sentiment":"neutral","sentiment_score":0.018666980788111687},{"word":"so","start":702.62,"end":702.86,"confidence":0.99970335,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10657072812318802},{"word":"you","start":702.86,"end":703.01996,"confidence":0.99988604,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1354183554649353},{"word":"are","start":703.01996,"end":703.25995,"confidence":0.9997515,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.10170017927885056},{"word":"always","start":703.25995,"end":703.66,"confidence":0.9999287,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.1424904316663742},{"word":"tracking","start":703.66,"end":704.13995,"confidence":0.99961144,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.1138039231300354},{"word":"the","start":704.13995,"end":704.3,"confidence":0.99651504,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11923082917928696},{"word":"movement","start":704.3,"end":704.69995,"confidence":0.9978782,"punctuated_word":"movement","sentiment":"neutral","sentiment_score":0.1284388303756714},{"word":"of","start":704.69995,"end":704.86,"confidence":0.99840766,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15961997210979462},{"word":"the","start":704.86,"end":705.01996,"confidence":0.99942267,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16448447108268738},{"word":"top","start":705.01996,"end":705.25995,"confidence":0.9993647,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.13258126378059387},{"word":"200","start":705.25995,"end":705.89996,"confidence":0.9998497,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.17788338661193848},{"word":"with","start":705.89996,"end":706.06,"confidence":0.99882656,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14124073088169098},{"word":"the","start":706.06,"end":706.22,"confidence":0.9977314,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17339029908180237},{"word":"a","start":706.22,"end":706.45996,"confidence":0.99724907,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1761380434036255},{"word":"200","start":706.45996,"end":706.93994,"confidence":0.99932444,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.1769242137670517},{"word":"and","start":706.93994,"end":707.18,"confidence":0.92291063,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1576835960149765},{"word":"the","start":707.18,"end":707.33997,"confidence":0.9992176,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19160497188568115},{"word":"top","start":707.33997,"end":707.57996,"confidence":0.99139565,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.17316065728664398},{"word":"500","start":707.57996,"end":708.13995,"confidence":0.9997884,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.20129750669002533},{"word":"with","start":708.13995,"end":708.3,"confidence":0.9995432,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16582539677619934},{"word":"the","start":708.3,"end":708.45996,"confidence":0.9929468,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16363342106342316},{"word":"s","start":708.45996,"end":708.62,"confidence":0.9901102,"punctuated_word":"S","sentiment":"neutral","sentiment_score":0.13349920511245728},{"word":"and","start":708.62,"end":708.77997,"confidence":0.99924254,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15481775999069214},{"word":"p","start":708.77997,"end":709.01996,"confidence":0.9996244,"punctuated_word":"P","sentiment":"neutral","sentiment_score":0.1204203963279724},{"word":"500","start":709.01996,"end":709.66,"confidence":0.999763,"punctuated_word":"500","sentiment":"neutral","sentiment_score":0.16911080479621887},{"word":"there","start":709.66,"end":709.89996,"confidence":0.9251702,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1368832290172577},{"word":"so","start":709.89996,"end":710.235,"confidence":0.99858224,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24586063623428345},{"word":"it","start":710.39496,"end":710.635,"confidence":0.99836224,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2844335436820984},{"word":"provides","start":710.635,"end":710.95496,"confidence":0.9997223,"punctuated_word":"provides","sentiment":"neutral","sentiment_score":0.25447162985801697},{"word":"a","start":710.95496,"end":711.195,"confidence":0.62899053,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.44159212708473206},{"word":"benefit","start":711.195,"end":711.695,"confidence":0.98639077,"punctuated_word":"benefit.","sentiment":"positive","sentiment_score":0.4110817313194275},{"word":"you're","start":712.15497,"end":712.39496,"confidence":0.901356,"punctuated_word":"You're","sentiment":"positive","sentiment_score":0.3601839542388916},{"word":"not","start":712.39496,"end":712.555,"confidence":0.99973935,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.2349715381860733},{"word":"having","start":712.555,"end":712.875,"confidence":0.99946326,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.29318636655807495},{"word":"to","start":712.875,"end":712.95496,"confidence":0.99875534,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2575310170650482},{"word":"try","start":712.95496,"end":713.195,"confidence":0.9969618,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.12405496090650558},{"word":"and","start":713.195,"end":713.355,"confidence":0.7599839,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18881018459796903},{"word":"outperform","start":713.355,"end":713.83496,"confidence":0.96934354,"punctuated_word":"outperform","sentiment":"neutral","sentiment_score":0.15361058712005615},{"word":"the","start":713.83496,"end":713.995,"confidence":0.9895796,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23261994123458865},{"word":"market","start":713.995,"end":714.315,"confidence":0.73810303,"punctuated_word":"market.","sentiment":"neutral","sentiment_score":0.2868063747882843},{"word":"you're","start":714.315,"end":714.555,"confidence":0.99642783,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.20494267344474792},{"word":"tracking","start":714.555,"end":714.875,"confidence":0.9983584,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.20928023755550385},{"word":"in","start":714.875,"end":715.115,"confidence":0.85291165,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.24857577681541443},{"word":"indices","start":715.115,"end":715.595,"confidence":0.7784625,"punctuated_word":"indices,","sentiment":"neutral","sentiment_score":0.23738190531730652},{"word":"and","start":715.595,"end":715.83496,"confidence":0.99987125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21869957447052},{"word":"the","start":715.83496,"end":716.075,"confidence":0.9997526,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27233847975730896},{"word":"indices","start":716.075,"end":716.555,"confidence":0.96239185,"punctuated_word":"indices","sentiment":"neutral","sentiment_score":0.27878338098526},{"word":"is","start":716.555,"end":716.71497,"confidence":0.9781993,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2399994283914566},{"word":"always","start":716.71497,"end":717.115,"confidence":0.99966264,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.25548887252807617},{"word":"working","start":717.115,"end":717.515,"confidence":0.89161515,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":0.2267358601093292},{"word":"always","start":717.515,"end":717.915,"confidence":0.99985933,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.2057659924030304},{"word":"tracking","start":717.915,"end":718.235,"confidence":0.9967456,"punctuated_word":"tracking","sentiment":"neutral","sentiment_score":0.222938671708107},{"word":"the","start":718.235,"end":718.39496,"confidence":0.99640036,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21817469596862793},{"word":"top","start":718.39496,"end":718.71497,"confidence":0.99910235,"punctuated_word":"top","sentiment":"neutral","sentiment_score":0.2248823642730713},{"word":"companies","start":718.71497,"end":719.195,"confidence":0.91378546,"punctuated_word":"companies.","sentiment":"neutral","sentiment_score":0.19831284880638125},{"word":"so","start":719.195,"end":719.435,"confidence":0.9995012,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04887155443429947},{"word":"you're","start":719.435,"end":719.595,"confidence":0.9990523,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.012017970904707909},{"word":"not","start":719.595,"end":719.915,"confidence":0.9954295,"punctuated_word":"not,","sentiment":"neutral","sentiment_score":-0.010083213448524477},{"word":"you","start":719.915,"end":719.995,"confidence":0.99920183,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.028331728652119637},{"word":"know","start":719.995,"end":720.495,"confidence":0.9979502,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.02239042893052101},{"word":"not","start":721.035,"end":721.355,"confidence":0.97407055,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04408085346221924},{"word":"following","start":721.355,"end":721.83496,"confidence":0.9995078,"punctuated_word":"following","sentiment":"neutral","sentiment_score":-0.0645139068365097},{"word":"underperforming","start":721.83496,"end":722.33496,"confidence":0.97417593,"punctuated_word":"underperforming","sentiment":"neutral","sentiment_score":-0.08246700465679169},{"word":"investments","start":722.635,"end":723.035,"confidence":0.9929376,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.11887845396995544},{"word":"in","start":723.035,"end":723.195,"confidence":0.999508,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08491523563861847},{"word":"those","start":723.195,"end":723.435,"confidence":0.9961158,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.06898339837789536},{"word":"sorts","start":723.435,"end":723.675,"confidence":0.9733306,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":-0.08060476183891296},{"word":"of","start":723.675,"end":723.83496,"confidence":0.9972293,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07470843195915222},{"word":"ways","start":723.83496,"end":724.075,"confidence":0.8747963,"punctuated_word":"ways,","sentiment":"neutral","sentiment_score":-0.04672490432858467},{"word":"if","start":724.075,"end":724.235,"confidence":0.9962591,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.052300918847322464},{"word":"that","start":724.235,"end":724.39496,"confidence":0.99987507,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.028186293318867683},{"word":"makes","start":724.39496,"end":724.635,"confidence":0.93161064,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.04713210463523865},{"word":"sense","start":724.635,"end":725.07,"confidence":0.98784304,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.01970260962843895},{"word":"okay","start":725.31,"end":725.71,"confidence":0.97701895,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.009283741936087608},{"word":"yeah","start":725.71,"end":726.11,"confidence":0.7036468,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1506199687719345},{"word":"perfect","start":726.11,"end":726.61,"confidence":0.999177,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.3143848776817322},{"word":"so","start":728.03,"end":728.19,"confidence":0.69801193,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.22750629484653473},{"word":"we'll","start":728.19,"end":728.43,"confidence":0.99903965,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.23070010542869568},{"word":"have","start":728.43,"end":728.59,"confidence":0.99978954,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2015630602836609},{"word":"the","start":728.59,"end":728.75,"confidence":0.99540186,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14454151690006256},{"word":"a","start":728.75,"end":728.91003,"confidence":0.9761511,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10752884298563004},{"word":"200","start":728.91003,"end":729.39,"confidence":0.9961534,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.1045970767736435},{"word":"in","start":729.39,"end":729.55,"confidence":0.9845985,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08943553268909454},{"word":"there","start":729.55,"end":729.71,"confidence":0.9821445,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1269426941871643},{"word":"instead","start":729.71,"end":730.03,"confidence":0.9898956,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.16104117035865784},{"word":"of","start":730.03,"end":730.11,"confidence":0.99787724,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1511450707912445},{"word":"that","start":730.11,"end":730.27,"confidence":0.9769504,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15922078490257263},{"word":"along","start":730.27,"end":730.59,"confidence":0.9066699,"punctuated_word":"along,","sentiment":"neutral","sentiment_score":0.20358693599700928},{"word":"which","start":730.59,"end":730.83,"confidence":0.9999074,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.3349626958370209},{"word":"is","start":730.83,"end":730.91003,"confidence":0.999178,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.43703705072402954},{"word":"great","start":730.91003,"end":731.23,"confidence":0.9930982,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.4685073494911194},{"word":"we're","start":731.23,"end":731.39,"confidence":0.9899579,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":0.19363538920879364},{"word":"still","start":731.39,"end":731.63,"confidence":0.9999087,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1782916933298111},{"word":"gonna","start":731.63,"end":731.95,"confidence":0.9989526,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.18960413336753845},{"word":"hold","start":731.95,"end":732.19,"confidence":0.9990671,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.1636139452457428},{"word":"the","start":732.19,"end":732.51,"confidence":0.9989618,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14484117925167084},{"word":"jpmorgan","start":732.51,"end":733.01,"confidence":0.79184604,"punctuated_word":"JPMorgan","sentiment":"neutral","sentiment_score":0.1917520612478256},{"word":"global","start":733.23,"end":733.71,"confidence":0.8179966,"punctuated_word":"Global","sentiment":"neutral","sentiment_score":0.1940344125032425},{"word":"research","start":733.71,"end":734.19,"confidence":0.9317796,"punctuated_word":"Research","sentiment":"neutral","sentiment_score":0.1878248006105423},{"word":"enhanced","start":734.19,"end":734.59,"confidence":0.5485858,"punctuated_word":"Enhanced","sentiment":"neutral","sentiment_score":0.1520102322101593},{"word":"equity","start":734.59,"end":734.99,"confidence":0.9940738,"punctuated_word":"Equity","sentiment":"neutral","sentiment_score":0.13837970793247223},{"word":"fund","start":734.99,"end":735.31,"confidence":0.9411879,"punctuated_word":"Fund.","sentiment":"neutral","sentiment_score":0.148101344704628},{"word":"again","start":735.31,"end":735.55,"confidence":0.99880993,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":0.17012441158294678},{"word":"it's","start":735.55,"end":735.79,"confidence":0.9896908,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.20891349017620087},{"word":"just","start":735.79,"end":735.95,"confidence":0.96575326,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1737051010131836},{"word":"sort","start":735.95,"end":736.19,"confidence":0.9095218,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.18557383120059967},{"word":"of","start":736.19,"end":736.27,"confidence":0.86982656,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17826171219348907},{"word":"giving","start":736.27,"end":736.51,"confidence":0.9925512,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.19651159644126892},{"word":"you","start":736.51,"end":736.67,"confidence":0.99959713,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2323542088270187},{"word":"a","start":736.67,"end":736.75,"confidence":0.9995648,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2122753858566284},{"word":"bit","start":736.75,"end":736.91003,"confidence":0.99976903,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1692970097064972},{"word":"of","start":736.91003,"end":737.175,"confidence":0.9986817,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19761186838150024},{"word":"exposure","start":737.495,"end":737.89496,"confidence":0.998546,"punctuated_word":"exposure","sentiment":"neutral","sentiment_score":0.21743427217006683},{"word":"to","start":737.89496,"end":738.135,"confidence":0.98715436,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3187354803085327},{"word":"jpmorgan's","start":738.21497,"end":738.71497,"confidence":0.8261256,"punctuated_word":"JPMorgan's","sentiment":"positive","sentiment_score":0.377122014760971},{"word":"great","start":739.015,"end":739.255,"confidence":0.87776315,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.44296467304229736},{"word":"for","start":739.255,"end":739.415,"confidence":0.9993044,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4426079988479614},{"word":"a","start":739.415,"end":739.495,"confidence":0.9513873,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4715874195098877},{"word":"research","start":739.495,"end":739.975,"confidence":0.97585934,"punctuated_word":"research","sentiment":"positive","sentiment_score":0.4942944645881653},{"word":"house","start":739.975,"end":740.295,"confidence":0.9620832,"punctuated_word":"house,","sentiment":"positive","sentiment_score":0.3888844847679138},{"word":"and","start":740.295,"end":740.535,"confidence":0.9998597,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24503327906131744},{"word":"that","start":740.535,"end":740.855,"confidence":0.9994394,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2189076989889145},{"word":"investment","start":740.855,"end":741.355,"confidence":0.9998468,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.22075128555297852},{"word":"is","start":741.415,"end":741.575,"confidence":0.9997788,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.23072613775730133},{"word":"about","start":741.575,"end":741.89496,"confidence":0.99950635,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.23446500301361084},{"word":"15%","start":741.89496,"end":742.615,"confidence":0.9977459,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.3045468330383301},{"word":"actively","start":742.615,"end":743.095,"confidence":0.999131,"punctuated_word":"actively","sentiment":"neutral","sentiment_score":0.31231948733329773},{"word":"managed","start":743.095,"end":743.595,"confidence":0.9991561,"punctuated_word":"managed.","sentiment":"neutral","sentiment_score":0.26250120997428894},{"word":"it's","start":744.055,"end":744.295,"confidence":0.7818371,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.17479971051216123},{"word":"about","start":744.295,"end":744.615,"confidence":0.999539,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.19333671033382416},{"word":"making","start":744.615,"end":744.935,"confidence":0.9998542,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.19332171976566315},{"word":"sure","start":744.935,"end":745.175,"confidence":0.99965274,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.2097758799791336},{"word":"they're","start":745.175,"end":745.495,"confidence":0.9381996,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.2051984071731567},{"word":"sort","start":745.495,"end":745.735,"confidence":0.99146724,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.18564742803573608},{"word":"of","start":745.735,"end":745.89496,"confidence":0.99828416,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17542201280593872},{"word":"looking","start":745.89496,"end":746.21497,"confidence":0.9993387,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.21915486454963684},{"word":"to","start":746.21497,"end":746.375,"confidence":0.99527526,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1876579374074936},{"word":"track","start":746.375,"end":746.875,"confidence":0.99774605,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.22028443217277527},{"word":"up","start":747.095,"end":747.255,"confidence":0.9850418,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2076062709093094},{"word":"and","start":747.255,"end":747.495,"confidence":0.99750036,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18077963590621948},{"word":"coming","start":747.495,"end":747.815,"confidence":0.9990213,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.19737401604652405},{"word":"areas","start":747.815,"end":748.295,"confidence":0.99936193,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.2616792321205139},{"word":"as","start":748.295,"end":748.535,"confidence":0.90502244,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2080341875553131},{"word":"well","start":748.535,"end":748.695,"confidence":0.9999218,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.21842628717422485},{"word":"as","start":748.695,"end":749.195,"confidence":0.9981975,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2853345572948456},{"word":"growth","start":749.415,"end":749.735,"confidence":0.98974866,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.39597830176353455},{"word":"and","start":749.735,"end":750.055,"confidence":0.82727504,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.34216734766960144},{"word":"investments","start":750.055,"end":750.555,"confidence":0.97829986,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.3173588812351227},{"word":"that","start":750.615,"end":750.77496,"confidence":0.9147483,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.28324949741363525},{"word":"have","start":750.77496,"end":750.935,"confidence":0.99983835,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3258258104324341},{"word":"a","start":750.935,"end":751.095,"confidence":0.99968004,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.27438411116600037},{"word":"great","start":751.095,"end":751.32,"confidence":0.9999106,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.4032099843025207},{"word":"track","start":751.32,"end":751.56,"confidence":0.9995628,"punctuated_word":"track","sentiment":"positive","sentiment_score":0.3683575391769409},{"word":"record","start":751.56,"end":751.96,"confidence":0.7646493,"punctuated_word":"record.","sentiment":"neutral","sentiment_score":0.24769635498523712},{"word":"so","start":751.96,"end":752.36,"confidence":0.9992138,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1106918454170227},{"word":"utilizing","start":752.36,"end":752.84,"confidence":0.97904676,"punctuated_word":"utilizing","sentiment":"neutral","sentiment_score":0.10843461006879808},{"word":"them","start":752.84,"end":753.08,"confidence":0.9617754,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.19631598889827728},{"word":"is","start":753.08,"end":753.24,"confidence":0.9419681,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0684746727347374},{"word":"great","start":753.24,"end":753.72003,"confidence":0.99666524,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.5458304286003113},{"word":"there's","start":753.72003,"end":753.96,"confidence":0.984944,"punctuated_word":"There's","sentiment":"positive","sentiment_score":0.3495093286037445},{"word":"only","start":753.96,"end":754.2,"confidence":0.9853033,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.2516378164291382},{"word":"a","start":754.2,"end":754.28,"confidence":0.99917054,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.284941703081131},{"word":"small","start":754.28,"end":754.52,"confidence":0.9998437,"punctuated_word":"small","sentiment":"neutral","sentiment_score":0.17882710695266724},{"word":"portion","start":754.52,"end":754.92,"confidence":0.9994312,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.20196373760700223},{"word":"of","start":754.92,"end":755.0,"confidence":0.99961406,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.23093968629837036},{"word":"your","start":755.0,"end":755.24,"confidence":0.99895835,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2384626418352127},{"word":"portfolio","start":755.24,"end":755.74,"confidence":0.9997899,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1930185109376907},{"word":"in","start":755.88,"end":756.12,"confidence":0.9996444,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.24575285613536835},{"word":"there","start":756.12,"end":756.52,"confidence":0.99505997,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.32336854934692383},{"word":"it's","start":756.52,"end":756.76,"confidence":0.9990687,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.5585564374923706},{"word":"still","start":756.76,"end":757.0,"confidence":0.99987674,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.5932738184928894},{"word":"a","start":757.0,"end":757.08,"confidence":0.9993801,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6491842269897461},{"word":"good","start":757.08,"end":757.32,"confidence":0.99998486,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6000986099243164},{"word":"investment","start":757.32,"end":757.8,"confidence":0.790175,"punctuated_word":"investment,","sentiment":"positive","sentiment_score":0.5440390110015869},{"word":"has","start":757.8,"end":758.12,"confidence":0.9732248,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.6036975979804993},{"word":"performed","start":758.12,"end":758.52,"confidence":0.99255145,"punctuated_word":"performed","sentiment":"positive","sentiment_score":0.6531660556793213},{"word":"really","start":758.52,"end":758.76,"confidence":0.999049,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6472657918930054},{"word":"well","start":758.76,"end":758.92,"confidence":0.99958247,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.6688547730445862},{"word":"in","start":758.92,"end":759.0,"confidence":0.99704796,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6550419330596924},{"word":"your","start":759.0,"end":759.24,"confidence":0.9987985,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5847051739692688},{"word":"portfolio","start":759.24,"end":759.74,"confidence":0.8119013,"punctuated_word":"portfolio,","sentiment":"positive","sentiment_score":0.43713319301605225},{"word":"so","start":759.8,"end":759.96,"confidence":0.99936706,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4655476212501526},{"word":"we","start":759.96,"end":760.12,"confidence":0.9998085,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4202677011489868},{"word":"do","start":760.12,"end":760.28,"confidence":0.99982184,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3980925679206848},{"word":"wanna","start":760.28,"end":760.60004,"confidence":0.9966563,"punctuated_word":"wanna","sentiment":"positive","sentiment_score":0.3972540497779846},{"word":"keep","start":760.60004,"end":760.76,"confidence":0.9963731,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.419621616601944},{"word":"that","start":760.76,"end":760.92,"confidence":0.99983907,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3276574909687042},{"word":"in","start":760.92,"end":761.08,"confidence":0.9998658,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.33028221130371094},{"word":"there","start":761.08,"end":761.32,"confidence":0.9940294,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.39982226490974426},{"word":"and","start":761.32,"end":761.48,"confidence":0.92204756,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2413375824689865},{"word":"just","start":761.48,"end":761.72003,"confidence":0.99767715,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2782740294933319},{"word":"rebalance","start":761.72003,"end":762.22003,"confidence":0.9718304,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":0.311053991317749},{"word":"that","start":762.28,"end":762.52,"confidence":0.9961069,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.31604957580566406},{"word":"a","start":762.52,"end":762.60004,"confidence":0.99958605,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3142551779747009},{"word":"little","start":762.60004,"end":762.84,"confidence":0.99991226,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.194469690322876},{"word":"bit","start":762.84,"end":763.335,"confidence":0.9995323,"punctuated_word":"bit.","sentiment":"neutral","sentiment_score":0.27721771597862244},{"word":"physical","start":763.97504,"end":764.47504,"confidence":0.99086285,"punctuated_word":"Physical","sentiment":"neutral","sentiment_score":0.021913141012191772},{"word":"gold","start":764.61505,"end":765.09503,"confidence":0.9446678,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":0.03231646120548248},{"word":"we","start":765.09503,"end":765.335,"confidence":0.99964297,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1017247438430786},{"word":"are","start":765.335,"end":765.495,"confidence":0.9998629,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06877882778644562},{"word":"buying","start":765.495,"end":765.695,"confidence":0.999474,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.07198546081781387},{"word":"a","start":765.695,"end":765.895,"confidence":0.99977976,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.094973586499691},{"word":"bit","start":765.895,"end":766.135,"confidence":0.99987364,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.04154469072818756},{"word":"more","start":766.135,"end":766.29504,"confidence":0.99972695,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.04178732633590698},{"word":"physical","start":766.29504,"end":766.695,"confidence":0.9964295,"punctuated_word":"physical","sentiment":"neutral","sentiment_score":0.03016360104084015},{"word":"gold","start":766.695,"end":766.935,"confidence":0.9927659,"punctuated_word":"gold.","sentiment":"neutral","sentiment_score":0.08203241229057312},{"word":"you're","start":766.935,"end":767.09503,"confidence":0.9914979,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.003343249438330531},{"word":"a","start":767.09503,"end":767.17505,"confidence":0.97792745,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0351715162396431},{"word":"bit","start":767.17505,"end":767.335,"confidence":0.9991412,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.11771210283041},{"word":"underweighted","start":767.335,"end":767.835,"confidence":0.94980127,"punctuated_word":"underweighted","sentiment":"neutral","sentiment_score":-0.2275039106607437},{"word":"at","start":767.895,"end":768.055,"confidence":0.9989247,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.2762700319290161},{"word":"the","start":768.055,"end":768.135,"confidence":0.9990484,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1627865731716156},{"word":"moment","start":768.135,"end":768.455,"confidence":0.92909753,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.024894215166568756},{"word":"and","start":768.455,"end":768.775,"confidence":0.9976156,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3123798072338104},{"word":"physical","start":768.775,"end":769.17505,"confidence":0.999361,"punctuated_word":"physical","sentiment":"positive","sentiment_score":0.5484437346458435},{"word":"gold","start":769.17505,"end":769.41504,"confidence":0.9987349,"punctuated_word":"gold","sentiment":"positive","sentiment_score":0.6040102243423462},{"word":"has","start":769.41504,"end":769.575,"confidence":0.61105704,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.7386963367462158},{"word":"been","start":769.575,"end":769.815,"confidence":0.9906838,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.7737502455711365},{"word":"fantastic","start":769.815,"end":770.315,"confidence":0.923868,"punctuated_word":"fantastic.","sentiment":"positive","sentiment_score":0.6726179122924805},{"word":"so","start":770.695,"end":770.935,"confidence":0.9992085,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.33229556679725647},{"word":"we'll","start":770.935,"end":771.09503,"confidence":0.9995726,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.41333162784576416},{"word":"buy","start":771.09503,"end":771.335,"confidence":0.9996425,"punctuated_word":"buy","sentiment":"positive","sentiment_score":0.376507043838501},{"word":"a","start":771.335,"end":771.41504,"confidence":0.99888617,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3841544985771179},{"word":"bit","start":771.41504,"end":771.655,"confidence":0.99963415,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2400561571121216},{"word":"more","start":771.655,"end":771.895,"confidence":0.9996158,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.32637616991996765},{"word":"of","start":771.895,"end":771.97504,"confidence":0.997436,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.43181341886520386},{"word":"that","start":771.97504,"end":772.135,"confidence":0.99979097,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3784688413143158},{"word":"and","start":772.135,"end":772.375,"confidence":0.99573934,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.223655566573143},{"word":"keep","start":772.375,"end":772.61505,"confidence":0.99945754,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2625808119773865},{"word":"you","start":772.61505,"end":772.775,"confidence":0.8864622,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3442677855491638},{"word":"waiting","start":772.775,"end":773.17505,"confidence":0.9774399,"punctuated_word":"waiting","sentiment":"positive","sentiment_score":0.44169631600379944},{"word":"correct","start":773.17505,"end":773.67505,"confidence":0.7804607,"punctuated_word":"correct.","sentiment":"neutral","sentiment_score":0.28530609607696533},{"word":"we","start":774.29504,"end":774.53503,"confidence":0.94284976,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.032689377665519714},{"word":"are","start":774.53503,"end":774.775,"confidence":0.99993587,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.020460717380046844},{"word":"also","start":774.775,"end":775.09503,"confidence":0.99707305,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.015757039189338684},{"word":"getting","start":775.09503,"end":775.41504,"confidence":0.99990356,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.0019286870956420896},{"word":"rid","start":775.41504,"end":775.575,"confidence":0.9998636,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.02889826148748398},{"word":"of","start":775.575,"end":775.73505,"confidence":0.99970347,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.017800413072109222},{"word":"the","start":775.73505,"end":775.895,"confidence":0.9991235,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05332925170660019},{"word":"bank","start":775.895,"end":776.215,"confidence":0.8298744,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.08037486672401428},{"word":"hybrids","start":776.215,"end":776.695,"confidence":0.6333132,"punctuated_word":"hybrids.","sentiment":"neutral","sentiment_score":-0.09090854227542876},{"word":"now","start":776.695,"end":776.935,"confidence":0.99845505,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.01513562723994255},{"word":"as","start":776.935,"end":777.09503,"confidence":0.9773951,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.004996888339519501},{"word":"they","start":777.09503,"end":777.335,"confidence":0.6532873,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.04914147034287453},{"word":"kinda","start":777.335,"end":777.655,"confidence":0.94231886,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.029514143243432045},{"word":"went","start":777.655,"end":777.96,"confidence":0.9990049,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.03192087635397911},{"word":"through","start":777.96,"end":778.2,"confidence":0.99524754,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":-0.007906688377261162},{"word":"the","start":778.2,"end":778.36005,"confidence":0.9996531,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.024098843336105347},{"word":"government","start":778.36005,"end":778.76,"confidence":0.99986625,"punctuated_word":"government","sentiment":"neutral","sentiment_score":-0.07155895233154297},{"word":"is","start":778.76,"end":779.0,"confidence":0.9994259,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.07005922496318817},{"word":"phasing","start":779.0,"end":779.4,"confidence":0.99108016,"punctuated_word":"phasing","sentiment":"neutral","sentiment_score":-0.06618709862232208},{"word":"those","start":779.4,"end":779.72003,"confidence":0.9992613,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.1111481711268425},{"word":"out","start":779.72003,"end":779.88,"confidence":0.99177176,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.08608834445476532},{"word":"in","start":779.88,"end":780.04004,"confidence":0.997422,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.05778001621365547},{"word":"the","start":780.04004,"end":780.12,"confidence":0.99845815,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03255843743681908},{"word":"future","start":780.12,"end":780.52,"confidence":0.81513894,"punctuated_word":"future.","sentiment":"neutral","sentiment_score":-0.056058451533317566},{"word":"so","start":780.52,"end":780.68,"confidence":0.99932563,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.028767235577106476},{"word":"we're","start":780.68,"end":780.92004,"confidence":0.9990959,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.014529336243867874},{"word":"taking","start":780.92004,"end":781.24005,"confidence":0.9988427,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.037018559873104095},{"word":"the","start":781.24005,"end":781.48004,"confidence":0.9147137,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02355971187353134},{"word":"advantage","start":781.48004,"end":781.96,"confidence":0.69253606,"punctuated_word":"advantage","sentiment":"neutral","sentiment_score":0.02564346045255661},{"word":"to","start":781.96,"end":782.2,"confidence":0.9669617,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.094842329621315},{"word":"remove","start":782.2,"end":782.60004,"confidence":0.9981318,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":0.026846371591091156},{"word":"those","start":782.60004,"end":782.84,"confidence":0.9994355,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.0671037808060646},{"word":"now","start":782.84,"end":783.08,"confidence":0.99814427,"punctuated_word":"now","sentiment":"neutral","sentiment_score":3.695487976074219e-6},{"word":"whilst","start":783.08,"end":783.4,"confidence":0.97730505,"punctuated_word":"whilst","sentiment":"neutral","sentiment_score":0.08009667694568634},{"word":"we","start":783.4,"end":783.56,"confidence":0.9916682,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.027794569730758667},{"word":"are","start":783.56,"end":783.80005,"confidence":0.9951769,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.02815493196249008},{"word":"rebalancing","start":783.80005,"end":784.30005,"confidence":0.98869306,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.06909140944480896},{"word":"and","start":784.60004,"end":784.84,"confidence":0.9868507,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.012084417045116425},{"word":"getting","start":784.84,"end":785.08,"confidence":0.9991652,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.026724517345428467},{"word":"rid","start":785.08,"end":785.32,"confidence":0.9996413,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.020859815180301663},{"word":"of","start":785.32,"end":785.4,"confidence":0.9972609,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0024485811591148376},{"word":"bennelong","start":785.4,"end":785.9,"confidence":0.8086672,"punctuated_word":"Bennelong.","sentiment":"neutral","sentiment_score":-0.004504676908254623},{"word":"the","start":786.44,"end":786.52,"confidence":0.96931756,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.07544441521167755},{"word":"losses","start":786.52,"end":786.92004,"confidence":0.914674,"punctuated_word":"losses","sentiment":"neutral","sentiment_score":-0.1674371361732483},{"word":"bennelong","start":786.92004,"end":787.4,"confidence":0.9789114,"punctuated_word":"Bennelong","sentiment":"neutral","sentiment_score":-0.00496325409039855},{"word":"has","start":787.4,"end":787.56,"confidence":0.8066971,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.009247399866580963},{"word":"seen","start":787.56,"end":787.80005,"confidence":0.9205661,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":0.029812701046466827},{"word":"will","start":787.80005,"end":787.96,"confidence":0.9961094,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.03742311894893646},{"word":"help","start":787.96,"end":788.12,"confidence":0.99918145,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.0251196026802063},{"word":"to","start":788.12,"end":788.36005,"confidence":0.9983004,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06609046459197998},{"word":"offset","start":788.36005,"end":788.76,"confidence":0.9971836,"punctuated_word":"offset","sentiment":"neutral","sentiment_score":-0.08747904747724533},{"word":"some","start":788.76,"end":789.0,"confidence":0.9995295,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.11593611538410188},{"word":"of","start":789.0,"end":789.08,"confidence":0.9957968,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10792259126901628},{"word":"the","start":789.08,"end":789.24005,"confidence":0.99684286,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07711701840162277},{"word":"gains","start":789.24005,"end":789.74005,"confidence":0.92021954,"punctuated_word":"gains.","sentiment":"neutral","sentiment_score":-0.09921193867921828},{"word":"so","start":789.88,"end":790.12,"confidence":0.97602135,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05162782222032547},{"word":"removing","start":790.12,"end":790.52,"confidence":0.97904736,"punctuated_word":"removing","sentiment":"neutral","sentiment_score":0.02619287744164467},{"word":"the","start":790.52,"end":790.68,"confidence":0.9968976,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.004116937518119812},{"word":"bank","start":790.68,"end":791.0,"confidence":0.9976031,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":-0.04164924472570419},{"word":"hybrids","start":791.0,"end":791.4,"confidence":0.98648757,"punctuated_word":"hybrids","sentiment":"neutral","sentiment_score":-0.04094993695616722},{"word":"and","start":791.4,"end":791.64,"confidence":0.9709566,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.013286113739013672},{"word":"then","start":791.64,"end":791.80005,"confidence":0.9987104,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.02869408577680588},{"word":"moving","start":791.80005,"end":792.04004,"confidence":0.9977125,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":-0.016247548162937164},{"word":"the","start":792.04004,"end":792.2,"confidence":0.98875624,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01618841290473938},{"word":"money","start":792.2,"end":792.52,"confidence":0.99596906,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.027663029730319977},{"word":"into","start":792.52,"end":792.76,"confidence":0.9884317,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.003478504717350006},{"word":"the","start":792.76,"end":792.975,"confidence":0.6260789,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011756934225559236},{"word":"core","start":793.055,"end":793.295,"confidence":0.993095,"punctuated_word":"core","sentiment":"neutral","sentiment_score":0.0023258253931999207},{"word":"composite","start":793.295,"end":793.795,"confidence":0.9774714,"punctuated_word":"composite","sentiment":"neutral","sentiment_score":0.08006405830383301},{"word":"bonds","start":793.855,"end":794.255,"confidence":0.79939866,"punctuated_word":"bonds,","sentiment":"neutral","sentiment_score":0.04803575575351715},{"word":"doing","start":794.255,"end":794.495,"confidence":0.99975187,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.050607502460479736},{"word":"it","start":794.495,"end":794.65497,"confidence":0.9999249,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0926096737384796},{"word":"now","start":794.65497,"end":794.975,"confidence":0.9999031,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.09544257074594498},{"word":"as","start":794.975,"end":795.21497,"confidence":0.97383714,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0767609179019928},{"word":"opposed","start":795.21497,"end":795.69495,"confidence":0.99753404,"punctuated_word":"opposed","sentiment":"neutral","sentiment_score":0.03430023789405823},{"word":"to","start":795.69495,"end":795.855,"confidence":0.9977598,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04757581651210785},{"word":"waiting","start":795.855,"end":796.175,"confidence":0.9931606,"punctuated_word":"waiting","sentiment":"neutral","sentiment_score":-0.020920291543006897},{"word":"to","start":796.175,"end":796.415,"confidence":0.9856075,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.033187136054039},{"word":"when","start":796.415,"end":796.65497,"confidence":0.9906911,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.03416997194290161},{"word":"we","start":796.65497,"end":796.815,"confidence":0.99899334,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.05701123923063278},{"word":"have","start":796.815,"end":797.055,"confidence":0.99920326,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.02151891589164734},{"word":"to","start":797.055,"end":797.21497,"confidence":0.99533725,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03976030647754669},{"word":"down","start":797.21497,"end":797.375,"confidence":0.97928154,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.018649764358997345},{"word":"the","start":797.375,"end":797.535,"confidence":0.9979576,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011719606816768646},{"word":"track","start":797.535,"end":798.035,"confidence":0.7946265,"punctuated_word":"track.","sentiment":"neutral","sentiment_score":0.02266068011522293},{"word":"because","start":798.095,"end":798.495,"confidence":0.9994636,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.1575971692800522},{"word":"you're","start":798.495,"end":798.815,"confidence":0.9908514,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.1770157814025879},{"word":"younger","start":798.815,"end":799.315,"confidence":0.9993709,"punctuated_word":"younger","sentiment":"neutral","sentiment_score":0.19308191537857056},{"word":"means","start":799.45496,"end":799.77496,"confidence":0.91825265,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.1331954300403595},{"word":"that","start":799.77496,"end":800.01495,"confidence":0.99887973,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1939721256494522},{"word":"rebalancing","start":800.01495,"end":800.51495,"confidence":0.9858985,"punctuated_word":"rebalancing","sentiment":"neutral","sentiment_score":0.11594431102275848},{"word":"obviously","start":800.65497,"end":801.055,"confidence":0.1477072,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.12989644706249237},{"word":"the","start":801.055,"end":801.21497,"confidence":0.6012572,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11342543363571168},{"word":"portfolio","start":801.21497,"end":801.71497,"confidence":0.997618,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.005839541554450989},{"word":"now","start":802.175,"end":802.495,"confidence":0.90542984,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.19289064407348633},{"word":"we","start":802.495,"end":802.735,"confidence":0.9997261,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2105627208948135},{"word":"make","start":802.735,"end":802.975,"confidence":0.9991258,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.24622175097465515},{"word":"those","start":802.975,"end":803.295,"confidence":0.99981695,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.20261767506599423},{"word":"changes","start":803.295,"end":803.77496,"confidence":0.8843749,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.1965794861316681},{"word":"and","start":803.77496,"end":803.935,"confidence":0.9998005,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17657405138015747},{"word":"then","start":803.935,"end":804.095,"confidence":0.99996877,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2376728653907776},{"word":"you've","start":804.095,"end":804.415,"confidence":0.9997158,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.23031064867973328},{"word":"got","start":804.415,"end":804.57495,"confidence":0.9996549,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.25216543674468994},{"word":"a","start":804.57495,"end":804.65497,"confidence":0.9995035,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18526677787303925},{"word":"really","start":804.65497,"end":804.89496,"confidence":0.9998852,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.19018107652664185},{"word":"good","start":804.89496,"end":805.13495,"confidence":0.999741,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.1998749077320099},{"word":"time","start":805.13495,"end":805.375,"confidence":0.9998417,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2512146532535553},{"word":"horizon","start":805.375,"end":805.855,"confidence":0.99952507,"punctuated_word":"horizon","sentiment":"neutral","sentiment_score":0.2230824828147888},{"word":"to","start":805.855,"end":805.935,"confidence":0.999713,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1685868501663208},{"word":"allow","start":805.935,"end":806.255,"confidence":0.99924266,"punctuated_word":"allow","sentiment":"neutral","sentiment_score":0.23548412322998047},{"word":"your","start":806.255,"end":806.415,"confidence":0.99431616,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19314031302928925},{"word":"portfolio","start":806.415,"end":806.915,"confidence":0.9992957,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.07358667999505997},{"word":"to","start":807.055,"end":807.21497,"confidence":0.99960846,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15793202817440033},{"word":"recover","start":807.21497,"end":807.615,"confidence":0.9994611,"punctuated_word":"recover","sentiment":"neutral","sentiment_score":0.18574240803718567},{"word":"and","start":807.615,"end":807.77496,"confidence":0.98220074,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22963306307792664},{"word":"to","start":807.77496,"end":808.01495,"confidence":0.9942676,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26156139373779297},{"word":"continue","start":808.01495,"end":808.51495,"confidence":0.9987056,"punctuated_word":"continue","sentiment":"positive","sentiment_score":0.37552303075790405},{"word":"growing","start":808.65,"end":809.05005,"confidence":0.9991679,"punctuated_word":"growing","sentiment":"neutral","sentiment_score":0.2940959334373474},{"word":"out","start":809.05005,"end":809.13,"confidence":0.93452317,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2880387306213379},{"word":"from","start":809.13,"end":809.45,"confidence":0.9981027,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.209140345454216},{"word":"that","start":809.45,"end":809.69,"confidence":0.9289632,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.19816836714744568},{"word":"and","start":809.69,"end":809.85004,"confidence":0.9998485,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1876729428768158},{"word":"we'll","start":809.85004,"end":810.01,"confidence":0.99813426,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.21305637061595917},{"word":"keep","start":810.01,"end":810.33,"confidence":0.9997485,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2563169002532959},{"word":"monitoring","start":810.33,"end":810.81,"confidence":0.9974848,"punctuated_word":"monitoring","sentiment":"neutral","sentiment_score":0.22999852895736697},{"word":"it","start":810.81,"end":811.05005,"confidence":0.99800366,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.25344765186309814},{"word":"for","start":811.05005,"end":811.29004,"confidence":0.99986994,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.21807895600795743},{"word":"you","start":811.29004,"end":811.69,"confidence":0.99988043,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.14603731036186218},{"word":"does","start":811.69,"end":811.85004,"confidence":0.99947757,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.06487821787595749},{"word":"that","start":811.85004,"end":812.01,"confidence":0.9999516,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0823022723197937},{"word":"make","start":812.01,"end":812.25,"confidence":0.9949646,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05599827319383621},{"word":"sense","start":812.25,"end":812.75,"confidence":0.99994785,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.06516361236572266},{"word":"yep","start":813.37,"end":813.87,"confidence":0.98300755,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13894131779670715},{"word":"perfect","start":814.65,"end":815.15,"confidence":0.9921084,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4954460561275482},{"word":"i","start":815.61005,"end":815.85004,"confidence":0.8028854,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.37614595890045166},{"word":"do","start":815.85004,"end":816.01,"confidence":0.99972826,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3581879734992981},{"word":"have","start":816.01,"end":816.17004,"confidence":0.9999019,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3984185457229614},{"word":"the","start":816.17004,"end":816.33,"confidence":0.99889475,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3389596939086914},{"word":"best","start":816.33,"end":816.57,"confidence":0.98046577,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.2902703881263733},{"word":"interest","start":816.57,"end":816.89,"confidence":0.9912839,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.2919732332229614},{"word":"duty","start":816.89,"end":817.21,"confidence":0.43339598,"punctuated_word":"duty","sentiment":"positive","sentiment_score":0.3678407371044159},{"word":"in","start":817.21,"end":817.37,"confidence":0.9961234,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2993678152561188},{"word":"here","start":817.37,"end":817.53,"confidence":0.9994849,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.31832557916641235},{"word":"for","start":817.53,"end":817.69,"confidence":0.99931335,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2791963219642639},{"word":"you","start":817.69,"end":817.85004,"confidence":0.99940145,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28866681456565857},{"word":"that","start":817.85004,"end":818.01,"confidence":0.9836844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24673105776309967},{"word":"notes","start":818.01,"end":818.33,"confidence":0.86379075,"punctuated_word":"notes","sentiment":"neutral","sentiment_score":0.21561014652252197},{"word":"this","start":818.33,"end":818.49005,"confidence":0.9614608,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.31453409790992737},{"word":"recommendation","start":818.49005,"end":818.99005,"confidence":0.9996939,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.3017192482948303},{"word":"is","start":819.29004,"end":819.45,"confidence":0.9568722,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.25905972719192505},{"word":"in","start":819.45,"end":819.61005,"confidence":0.9976961,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2712521255016327},{"word":"your","start":819.61005,"end":819.77,"confidence":0.9998833,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29909101128578186},{"word":"best","start":819.77,"end":820.01,"confidence":0.9998933,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.2001052647829056},{"word":"interest","start":820.01,"end":820.41003,"confidence":0.99684453,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":0.279169499874115},{"word":"i","start":820.41003,"end":820.57,"confidence":0.99989676,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1620076298713684},{"word":"did","start":820.57,"end":820.73004,"confidence":0.9987783,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.16446137428283691},{"word":"look","start":820.73004,"end":820.89,"confidence":0.9997836,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.14921876788139343},{"word":"at","start":820.89,"end":821.05005,"confidence":0.99957293,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14473450183868408},{"word":"hub","start":821.05005,"end":821.29004,"confidence":0.65255773,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.22330085933208463},{"word":"twenty","start":821.29004,"end":821.61005,"confidence":0.99829775,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.18229863047599792},{"word":"four","start":821.61005,"end":821.85004,"confidence":0.9994686,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.15853196382522583},{"word":"as","start":821.85004,"end":822.01,"confidence":0.99830365,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09815679490566254},{"word":"a","start":822.01,"end":822.17004,"confidence":0.99382657,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11838233470916748},{"word":"fund","start":822.17004,"end":822.57,"confidence":0.86654115,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.11953004449605942},{"word":"i'm","start":822.57,"end":822.73004,"confidence":0.9952189,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.1865108013153076},{"word":"retaining","start":822.73004,"end":823.23004,"confidence":0.9505512,"punctuated_word":"retaining","sentiment":"neutral","sentiment_score":0.185522198677063},{"word":"that","start":823.29004,"end":823.37,"confidence":0.9976978,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18151408433914185},{"word":"because","start":823.37,"end":823.77,"confidence":0.97243136,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1964053064584732},{"word":"hub","start":823.77,"end":823.935,"confidence":0.9751893,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.2834065556526184},{"word":"twenty","start":824.095,"end":824.255,"confidence":0.99991596,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.3159429430961609},{"word":"four","start":824.255,"end":824.415,"confidence":0.99927515,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.30968227982521057},{"word":"is","start":824.415,"end":824.65497,"confidence":0.99968636,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.310525119304657},{"word":"still","start":824.65497,"end":824.975,"confidence":0.99937904,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.28247007727622986},{"word":"great","start":824.975,"end":825.475,"confidence":0.9988398,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.3363500237464905},{"word":"it","start":825.615,"end":825.775,"confidence":0.99970776,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.26517510414123535},{"word":"actually","start":825.775,"end":826.095,"confidence":0.99795157,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.23435939848423004},{"word":"works","start":826.095,"end":826.495,"confidence":0.9991142,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.22695617377758023},{"word":"out","start":826.495,"end":826.895,"confidence":0.7399037,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.0324925035238266},{"word":"less","start":826.895,"end":827.135,"confidence":0.9870204,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.12479084730148315},{"word":"in","start":827.135,"end":827.455,"confidence":0.9688787,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.14338622987270355},{"word":"best","start":827.455,"end":827.775,"confidence":0.99110013,"punctuated_word":"best","sentiment":"neutral","sentiment_score":-0.12279745191335678},{"word":"interest","start":827.775,"end":828.255,"confidence":0.99305844,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.10826973617076874},{"word":"to","start":828.255,"end":828.575,"confidence":0.9985991,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12045292556285858},{"word":"move","start":828.575,"end":828.815,"confidence":0.9991099,"punctuated_word":"move","sentiment":"neutral","sentiment_score":-0.1433033049106598},{"word":"to","start":828.815,"end":829.055,"confidence":0.99963987,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11878762394189836},{"word":"another","start":829.055,"end":829.455,"confidence":0.9997942,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.11020924150943756},{"word":"super","start":829.455,"end":829.695,"confidence":0.9252834,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.0341513529419899},{"word":"fund","start":829.695,"end":830.015,"confidence":0.8890705,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.03498176485300064},{"word":"when","start":830.015,"end":830.255,"confidence":0.95620626,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.03685304522514343},{"word":"we're","start":830.255,"end":830.415,"confidence":0.99927473,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.006196056958287954},{"word":"only","start":830.415,"end":830.815,"confidence":0.99972564,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.03619803488254547},{"word":"altering","start":830.815,"end":831.295,"confidence":0.9951109,"punctuated_word":"altering","sentiment":"neutral","sentiment_score":-0.02426242083311081},{"word":"some","start":831.295,"end":831.455,"confidence":0.99952924,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.04611342400312424},{"word":"of","start":831.455,"end":831.615,"confidence":0.99984765,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.013242706656455994},{"word":"the","start":831.615,"end":831.775,"confidence":0.99983823,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03270497918128967},{"word":"investments","start":831.775,"end":832.275,"confidence":0.8439333,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":-0.051717840135097504},{"word":"so","start":832.415,"end":832.575,"confidence":0.99613357,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04506364464759827},{"word":"we","start":832.575,"end":833.075,"confidence":0.99974936,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.05251485854387283},{"word":"only","start":833.215,"end":833.535,"confidence":0.9977118,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.01818571239709854},{"word":"realistically","start":833.535,"end":834.035,"confidence":0.936957,"punctuated_word":"realistically","sentiment":"neutral","sentiment_score":-0.07554849982261658},{"word":"have","start":834.255,"end":834.575,"confidence":0.998092,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.08894152194261551},{"word":"to","start":834.575,"end":834.65497,"confidence":0.9993529,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09233350306749344},{"word":"sell","start":834.65497,"end":835.055,"confidence":0.9931993,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.18550695478916168},{"word":"some","start":835.055,"end":835.295,"confidence":0.99972564,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.11508648842573166},{"word":"of","start":835.295,"end":835.455,"confidence":0.99982494,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06618481874465942},{"word":"the","start":835.455,"end":835.615,"confidence":0.9997125,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0936008021235466},{"word":"investments","start":835.615,"end":836.115,"confidence":0.9963076,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":-0.06818873435258865},{"word":"and","start":836.44,"end":836.76,"confidence":0.999944,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13459494709968567},{"word":"rebalance","start":836.76,"end":837.26,"confidence":0.9948651,"punctuated_word":"rebalance","sentiment":"neutral","sentiment_score":-0.09150366485118866},{"word":"others","start":837.4,"end":837.88,"confidence":0.9574714,"punctuated_word":"others.","sentiment":"neutral","sentiment_score":-0.10922002792358398},{"word":"instead","start":837.88,"end":838.28,"confidence":0.97884715,"punctuated_word":"Instead,","sentiment":"neutral","sentiment_score":-0.04905204474925995},{"word":"if","start":838.28,"end":838.36005,"confidence":0.9996158,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.03237039968371391},{"word":"we","start":838.36005,"end":838.52,"confidence":0.9990194,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.003623075783252716},{"word":"moved","start":838.52,"end":838.84,"confidence":0.6795579,"punctuated_word":"moved","sentiment":"neutral","sentiment_score":-0.05753935128450394},{"word":"you","start":838.84,"end":838.92004,"confidence":0.69395506,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.03143893927335739},{"word":"to","start":838.92004,"end":839.08,"confidence":0.99549365,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05097021162509918},{"word":"another","start":839.08,"end":839.4,"confidence":0.99952805,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.04893894121050835},{"word":"fund","start":839.4,"end":839.64,"confidence":0.9917414,"punctuated_word":"fund,","sentiment":"neutral","sentiment_score":-0.03539806976914406},{"word":"we'd","start":839.64,"end":839.80005,"confidence":0.99519706,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":-0.06393742561340332},{"word":"be","start":839.80005,"end":839.96,"confidence":0.9975768,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0812881737947464},{"word":"fully","start":839.96,"end":840.28,"confidence":0.99929774,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":-0.007736973464488983},{"word":"selling","start":840.28,"end":840.60004,"confidence":0.9979668,"punctuated_word":"selling","sentiment":"neutral","sentiment_score":-0.14590685069561005},{"word":"everything","start":840.60004,"end":841.08,"confidence":0.999148,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.1093798652291298},{"word":"down","start":841.08,"end":841.32,"confidence":0.8701661,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.04916887357831001},{"word":"the","start":841.32,"end":841.56006,"confidence":0.9970927,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.07443126291036606},{"word":"cdt","start":841.56006,"end":842.04004,"confidence":0.8197787,"punctuated_word":"CDT","sentiment":"neutral","sentiment_score":-0.03335588425397873},{"word":"effect","start":842.04004,"end":842.36005,"confidence":0.98516953,"punctuated_word":"effect","sentiment":"neutral","sentiment_score":-0.08322402834892273},{"word":"would","start":842.36005,"end":842.60004,"confidence":0.99696237,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.01801726222038269},{"word":"be","start":842.60004,"end":842.76,"confidence":0.9959269,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0029111355543136597},{"word":"greater","start":842.76,"end":843.26,"confidence":0.9949157,"punctuated_word":"greater.","sentiment":"neutral","sentiment_score":-0.020447395741939545},{"word":"as","start":844.68005,"end":844.92004,"confidence":0.8562973,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.021063700318336487},{"word":"it","start":844.92004,"end":845.16003,"confidence":0.99715734,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06589032709598541},{"word":"is","start":845.16003,"end":845.48004,"confidence":0.9433094,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.07256370782852173},{"word":"when","start":845.48004,"end":845.72003,"confidence":0.9966516,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.050776734948158264},{"word":"i","start":845.72003,"end":845.80005,"confidence":0.99429953,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06793423742055893},{"word":"looked","start":845.80005,"end":846.04004,"confidence":0.9466118,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.04295237362384796},{"word":"at","start":846.04004,"end":846.2,"confidence":0.9831476,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.04184183478355408},{"word":"the","start":846.2,"end":846.36005,"confidence":0.99340075,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.021535322070121765},{"word":"research","start":846.36005,"end":846.86005,"confidence":0.9955163,"punctuated_word":"research,","sentiment":"neutral","sentiment_score":0.03455346077680588},{"word":"the","start":847.0,"end":847.4,"confidence":0.9641545,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.022854074835777283},{"word":"cdt","start":847.4,"end":847.9,"confidence":0.99753433,"punctuated_word":"CDT","sentiment":"neutral","sentiment_score":-0.019435591995716095},{"word":"effect","start":847.96,"end":848.28,"confidence":0.9970626,"punctuated_word":"effect","sentiment":"neutral","sentiment_score":0.010221868753433228},{"word":"on","start":848.28,"end":848.44,"confidence":0.98967874,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.013510115444660189},{"word":"your","start":848.44,"end":848.68005,"confidence":0.9899406,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.011419877409934998},{"word":"super","start":848.68005,"end":849.08,"confidence":0.89929783,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.03052733838558197},{"word":"fund","start":849.08,"end":849.32,"confidence":0.94826066,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":-0.024903342127799988},{"word":"is","start":849.32,"end":849.795,"confidence":0.88267314,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04066607356071472},{"word":"actually","start":849.95496,"end":850.115,"confidence":0.7569991,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.05887614190578461},{"word":"zero","start":850.115,"end":850.27496,"confidence":0.98603255,"punctuated_word":"zero.","sentiment":"neutral","sentiment_score":0.004744626581668854},{"word":"so","start":850.27496,"end":850.675,"confidence":0.9984706,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.037336286157369614},{"word":"because","start":850.675,"end":850.995,"confidence":0.98548985,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0152900367975235},{"word":"van","start":850.995,"end":851.15497,"confidence":0.72018844,"punctuated_word":"Van","sentiment":"neutral","sentiment_score":-0.0015788190066814425},{"word":"along","start":851.15497,"end":851.475,"confidence":0.4701996,"punctuated_word":"Along","sentiment":"neutral","sentiment_score":-0.006997846066951752},{"word":"is","start":851.475,"end":851.635,"confidence":0.9979382,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.012673750519752502},{"word":"quite","start":851.635,"end":851.875,"confidence":0.9992144,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.01285436749458313},{"word":"heavily","start":851.875,"end":852.355,"confidence":0.99958044,"punctuated_word":"heavily","sentiment":"neutral","sentiment_score":-0.03580907732248306},{"word":"down","start":852.355,"end":852.595,"confidence":0.99547786,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.026163041591644287},{"word":"at","start":852.595,"end":852.755,"confidence":0.9991586,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07647398114204407},{"word":"the","start":852.755,"end":852.83496,"confidence":0.9991812,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04211229830980301},{"word":"moment","start":852.83496,"end":853.33496,"confidence":0.9787229,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.007747948169708252},{"word":"by","start":853.795,"end":854.035,"confidence":0.68285406,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.004553854465484619},{"word":"making","start":854.035,"end":854.435,"confidence":0.9996991,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.020803026854991913},{"word":"all","start":854.435,"end":854.595,"confidence":0.9994728,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.06156398355960846},{"word":"these","start":854.595,"end":854.83496,"confidence":0.9971533,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.06615031510591507},{"word":"changes","start":854.83496,"end":855.235,"confidence":0.9995377,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":0.06446974724531174},{"word":"to","start":855.235,"end":855.39496,"confidence":0.9962274,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.061770692467689514},{"word":"your","start":855.39496,"end":855.635,"confidence":0.9992919,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06500378996133804},{"word":"portfolio","start":855.635,"end":856.135,"confidence":0.9970796,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.05906681716442108},{"word":"we're","start":856.195,"end":856.355,"confidence":0.99900097,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.13663695752620697},{"word":"actually","start":856.355,"end":856.675,"confidence":0.9925655,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.17111462354660034},{"word":"offsetting","start":856.675,"end":857.175,"confidence":0.99750113,"punctuated_word":"offsetting","sentiment":"neutral","sentiment_score":0.04474539682269096},{"word":"all","start":857.235,"end":857.39496,"confidence":0.9994954,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.1117311790585518},{"word":"of","start":857.39496,"end":857.475,"confidence":0.5803661,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06053228676319122},{"word":"the","start":857.475,"end":857.635,"confidence":0.9988527,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06198929250240326},{"word":"capital","start":857.635,"end":858.035,"confidence":0.9980578,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.15859882533550262},{"word":"gains","start":858.035,"end":858.355,"confidence":0.6992298,"punctuated_word":"gains.","sentiment":"neutral","sentiment_score":0.013787951320409777},{"word":"so","start":858.355,"end":858.51495,"confidence":0.94584805,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2109428346157074},{"word":"your","start":858.51495,"end":858.675,"confidence":0.99517536,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.21361804008483887},{"word":"super","start":858.675,"end":858.995,"confidence":0.9920712,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.23764488101005551},{"word":"fund","start":858.995,"end":859.235,"confidence":0.9400774,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.21811825037002563},{"word":"will","start":859.235,"end":859.39496,"confidence":0.9989054,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2660492956638336},{"word":"have","start":859.39496,"end":859.635,"confidence":0.99915695,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20196983218193057},{"word":"no","start":859.635,"end":859.875,"confidence":0.99860954,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.21091115474700928},{"word":"cgt","start":859.875,"end":860.375,"confidence":0.9969169,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":0.13940265774726868},{"word":"effect","start":860.51495,"end":860.83496,"confidence":0.96129715,"punctuated_word":"effect,","sentiment":"neutral","sentiment_score":0.2846735119819641},{"word":"which","start":860.83496,"end":860.995,"confidence":0.99970955,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.35666224360466003},{"word":"is","start":860.995,"end":861.15497,"confidence":0.99894434,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3300582468509674},{"word":"a","start":861.15497,"end":861.235,"confidence":0.93863004,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.350461483001709},{"word":"benefit","start":861.235,"end":861.735,"confidence":0.98152703,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.3492587208747864},{"word":"for","start":861.795,"end":861.95496,"confidence":0.84536767,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.34815382957458496},{"word":"you","start":861.95496,"end":862.115,"confidence":0.9993069,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3806687891483307},{"word":"as","start":862.115,"end":862.355,"confidence":0.99975246,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3638525903224945},{"word":"well","start":862.355,"end":862.755,"confidence":0.9997534,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2062254250049591},{"word":"okay","start":862.755,"end":863.255,"confidence":0.997249,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.13578300178050995},{"word":"perfect","start":864.58,"end":865.08,"confidence":0.9996095,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4414983987808227},{"word":"because","start":866.10004,"end":866.42004,"confidence":0.69725794,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.312407523393631},{"word":"we","start":866.42004,"end":866.58,"confidence":0.99969256,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.28050416707992554},{"word":"are","start":866.58,"end":866.74005,"confidence":0.99945265,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.30223995447158813},{"word":"remaining","start":866.74005,"end":867.14,"confidence":0.9995011,"punctuated_word":"remaining","sentiment":"neutral","sentiment_score":0.24641859531402588},{"word":"in","start":867.14,"end":867.22003,"confidence":0.98760134,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2615363895893097},{"word":"hub","start":867.22003,"end":867.46,"confidence":0.3376308,"punctuated_word":"hub","sentiment":"neutral","sentiment_score":0.2558196485042572},{"word":"twenty","start":867.46,"end":867.7,"confidence":0.9983536,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.2627853453159332},{"word":"four","start":867.7,"end":867.86005,"confidence":0.98882115,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.2377957254648209},{"word":"the","start":867.86005,"end":868.10004,"confidence":0.9996346,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29805880784988403},{"word":"administration","start":868.10004,"end":868.60004,"confidence":0.9996935,"punctuated_word":"administration","sentiment":"neutral","sentiment_score":0.29027289152145386},{"word":"fees","start":868.82,"end":869.14,"confidence":0.96182305,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.2913055419921875},{"word":"do","start":869.14,"end":869.38,"confidence":0.99772376,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.33141446113586426},{"word":"stay","start":869.38,"end":869.62,"confidence":0.995713,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.29639625549316406},{"word":"the","start":869.62,"end":869.78,"confidence":0.9985876,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2781085669994354},{"word":"same","start":869.78,"end":870.02,"confidence":0.84492123,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.2960768938064575},{"word":"there's","start":870.02,"end":870.26,"confidence":0.99615574,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.25700145959854126},{"word":"no","start":870.26,"end":870.5,"confidence":0.9995708,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.23302358388900757},{"word":"change","start":870.5,"end":870.74005,"confidence":0.9957562,"punctuated_word":"change","sentiment":"neutral","sentiment_score":0.14771881699562073},{"word":"there","start":870.74005,"end":870.98004,"confidence":0.9274154,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.2502039670944214},{"word":"but","start":870.98004,"end":871.30005,"confidence":0.999806,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.2741881012916565},{"word":"the","start":871.30005,"end":871.46,"confidence":0.9995672,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.39991188049316406},{"word":"underlying","start":871.46,"end":871.96,"confidence":0.99913627,"punctuated_word":"underlying","sentiment":"positive","sentiment_score":0.4324565529823303},{"word":"investment","start":872.02,"end":872.52,"confidence":0.9992461,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.2661232054233551},{"word":"fee","start":872.58,"end":872.82,"confidence":0.99105984,"punctuated_word":"fee","sentiment":"positive","sentiment_score":0.4071575403213501},{"word":"actually","start":872.82,"end":873.22003,"confidence":0.99423474,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.37658828496932983},{"word":"reduces","start":873.22003,"end":873.72003,"confidence":0.9850995,"punctuated_word":"reduces.","sentiment":"neutral","sentiment_score":0.0910382866859436},{"word":"so","start":873.86005,"end":874.10004,"confidence":0.9979371,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.095928892493248},{"word":"for","start":874.10004,"end":874.26,"confidence":0.9969716,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0757179707288742},{"word":"the","start":874.26,"end":874.42004,"confidence":0.99953985,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14032840728759766},{"word":"first","start":874.42004,"end":874.82,"confidence":0.9986811,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.06816545873880386},{"word":"year","start":874.82,"end":875.06,"confidence":0.99637586,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.1326511800289154},{"word":"after","start":875.06,"end":875.38,"confidence":0.62569463,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.09370262920856476},{"word":"making","start":875.38,"end":875.7,"confidence":0.99981457,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.09226644784212112},{"word":"these","start":875.7,"end":875.94,"confidence":0.9992797,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.12623152136802673},{"word":"changes","start":875.94,"end":876.44,"confidence":0.99829787,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":0.08556361496448517},{"word":"the","start":877.005,"end":877.16504,"confidence":0.93522966,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03796842694282532},{"word":"total","start":877.16504,"end":877.565,"confidence":0.99573624,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.027008309960365295},{"word":"investment","start":877.565,"end":878.04504,"confidence":0.99746525,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.0428292453289032},{"word":"fees","start":878.04504,"end":878.445,"confidence":0.4816796,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.04040303826332092},{"word":"drop","start":878.445,"end":878.84503,"confidence":0.54001987,"punctuated_word":"drop.","sentiment":"neutral","sentiment_score":0.09175117313861848},{"word":"so","start":878.84503,"end":879.005,"confidence":0.9994641,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3630388379096985},{"word":"we","start":879.005,"end":879.085,"confidence":0.9997315,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.5319234728813171},{"word":"end","start":879.085,"end":879.245,"confidence":0.9902857,"punctuated_word":"end","sentiment":"positive","sentiment_score":0.5248106122016907},{"word":"up","start":879.245,"end":879.48505,"confidence":0.99967766,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4796832501888275},{"word":"saving","start":879.48505,"end":879.80505,"confidence":0.9998683,"punctuated_word":"saving","sentiment":"positive","sentiment_score":0.43608710169792175},{"word":"you","start":879.80505,"end":879.965,"confidence":0.9998215,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5606315732002258},{"word":"about","start":879.965,"end":880.205,"confidence":0.99977714,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.5078561305999756},{"word":"a","start":880.205,"end":880.28503,"confidence":0.9989335,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5154452323913574},{"word":"$121","start":880.28503,"end":881.48505,"confidence":0.9983164,"punctuated_word":"$121","sentiment":"positive","sentiment_score":0.5049902200698853},{"word":"for","start":881.48505,"end":881.645,"confidence":0.61287075,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5024998784065247},{"word":"the","start":881.645,"end":881.80505,"confidence":0.99789363,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4206550717353821},{"word":"first","start":881.80505,"end":882.04504,"confidence":0.9966144,"punctuated_word":"first","sentiment":"positive","sentiment_score":0.35007548332214355},{"word":"year","start":882.04504,"end":882.28503,"confidence":0.97713876,"punctuated_word":"year","sentiment":"positive","sentiment_score":0.5170498490333557},{"word":"in","start":882.28503,"end":882.445,"confidence":0.99456114,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.517338216304779},{"word":"investment","start":882.445,"end":882.945,"confidence":0.9948278,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.26573044061660767},{"word":"fees","start":883.005,"end":883.325,"confidence":0.9463073,"punctuated_word":"fees.","sentiment":"positive","sentiment_score":0.43428725004196167},{"word":"so","start":883.325,"end":883.48505,"confidence":0.9456228,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.32803815603256226},{"word":"again","start":883.48505,"end":883.98505,"confidence":0.9999122,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.3239593803882599},{"word":"fees","start":884.445,"end":884.685,"confidence":0.8687231,"punctuated_word":"fees","sentiment":"positive","sentiment_score":0.4374689757823944},{"word":"drop","start":884.685,"end":885.085,"confidence":0.88382083,"punctuated_word":"drop,","sentiment":"neutral","sentiment_score":0.2915705442428589},{"word":"changes","start":885.085,"end":885.48505,"confidence":0.9913277,"punctuated_word":"changes","sentiment":"positive","sentiment_score":0.3427020311355591},{"word":"to","start":885.48505,"end":885.565,"confidence":0.9754767,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4131256937980652},{"word":"your","start":885.565,"end":885.80505,"confidence":0.99903524,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4139178395271301},{"word":"portfolio","start":885.80505,"end":886.30505,"confidence":0.9238491,"punctuated_word":"portfolio.","sentiment":"neutral","sentiment_score":0.2426098436117172},{"word":"it","start":886.525,"end":886.685,"confidence":0.9994905,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.6625010371208191},{"word":"has","start":886.685,"end":886.92505,"confidence":0.9992949,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.6410635113716125},{"word":"showed","start":886.92505,"end":887.16504,"confidence":0.5242265,"punctuated_word":"showed","sentiment":"positive","sentiment_score":0.5723880529403687},{"word":"a","start":887.16504,"end":887.325,"confidence":0.9942194,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6900602579116821},{"word":"better","start":887.325,"end":887.80505,"confidence":0.9976434,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.6156964302062988},{"word":"a","start":887.80505,"end":887.885,"confidence":0.5434776,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6808086633682251},{"word":"better","start":887.885,"end":888.205,"confidence":0.99731463,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.6217791438102722},{"word":"performance","start":888.205,"end":888.705,"confidence":0.9982395,"punctuated_word":"performance","sentiment":"positive","sentiment_score":0.6590229868888855},{"word":"in","start":888.765,"end":888.92505,"confidence":0.9997763,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5943981409072876},{"word":"the","start":888.92505,"end":889.085,"confidence":0.9998004,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6584789752960205},{"word":"past","start":889.085,"end":889.405,"confidence":0.99986887,"punctuated_word":"past","sentiment":"positive","sentiment_score":0.6564604043960571},{"word":"as","start":889.405,"end":889.565,"confidence":0.99975103,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5092597007751465},{"word":"well","start":889.565,"end":890.065,"confidence":0.9997976,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.4112662672996521},{"word":"i","start":890.61,"end":890.69,"confidence":0.97787035,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14853470027446747},{"word":"do","start":890.69,"end":890.85,"confidence":0.9995529,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.130211740732193},{"word":"know","start":890.85,"end":891.17,"confidence":0.9942583,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.11067871004343031},{"word":"projections","start":891.17,"end":891.65,"confidence":0.9931599,"punctuated_word":"projections","sentiment":"neutral","sentiment_score":0.15103670954704285},{"word":"are","start":891.65,"end":891.89,"confidence":0.99235606,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.05973457545042038},{"word":"just","start":891.89,"end":892.13,"confidence":0.99763775,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0703335702419281},{"word":"projections","start":892.13,"end":892.61,"confidence":0.8721544,"punctuated_word":"projections,","sentiment":"neutral","sentiment_score":0.04248844087123871},{"word":"and","start":892.61,"end":892.77,"confidence":0.9980787,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.020011089742183685},{"word":"they","start":892.77,"end":893.01,"confidence":0.9995246,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.031246989965438843},{"word":"are","start":893.01,"end":893.25,"confidence":0.9949008,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0024920329451560974},{"word":"you","start":893.33,"end":893.49,"confidence":0.9994318,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020256705582141876},{"word":"know","start":893.49,"end":893.65,"confidence":0.96017134,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.024473268538713455},{"word":"we're","start":893.65,"end":893.89,"confidence":0.9997638,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.01200104784220457},{"word":"not","start":893.89,"end":894.13,"confidence":0.99965155,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.067477285861969},{"word":"expecting","start":894.13,"end":894.45,"confidence":0.99986756,"punctuated_word":"expecting","sentiment":"neutral","sentiment_score":-0.08006051927804947},{"word":"you","start":894.45,"end":894.61,"confidence":0.9962775,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.013449981808662416},{"word":"to","start":894.61,"end":894.69,"confidence":0.99908996,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08040723204612732},{"word":"get","start":894.69,"end":894.93,"confidence":0.9998666,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.06293721497058868},{"word":"this","start":894.93,"end":895.33,"confidence":0.99710673,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.03377262502908707},{"word":"return","start":895.33,"end":895.73,"confidence":0.93454605,"punctuated_word":"return","sentiment":"neutral","sentiment_score":-0.03998774290084839},{"word":"on","start":895.73,"end":895.89,"confidence":0.99986184,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.05971720069646835},{"word":"a","start":895.89,"end":896.05,"confidence":0.9989453,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.028686832636594772},{"word":"regular","start":896.05,"end":896.37,"confidence":0.99996185,"punctuated_word":"regular","sentiment":"neutral","sentiment_score":-0.0033690184354782104},{"word":"basis","start":896.37,"end":896.87,"confidence":0.8837495,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":0.02504068613052368},{"word":"but","start":896.93,"end":897.43,"confidence":0.99858296,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.029894229024648663},{"word":"by","start":897.49,"end":897.65,"confidence":0.9946683,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.0054162293672561646},{"word":"moving","start":897.65,"end":897.97003,"confidence":0.9996842,"punctuated_word":"moving","sentiment":"neutral","sentiment_score":0.06077337637543678},{"word":"into","start":897.97003,"end":898.21,"confidence":0.9980141,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.0656866803765297},{"word":"the","start":898.21,"end":898.45,"confidence":0.99964786,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06535607576370239},{"word":"recommended","start":898.45,"end":898.95,"confidence":0.9977527,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":0.0791492760181427},{"word":"portfolio","start":899.09,"end":899.59,"confidence":0.9968883,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.03516020625829697},{"word":"i","start":899.97003,"end":900.13,"confidence":0.9995327,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05361747741699219},{"word":"have","start":900.13,"end":900.29,"confidence":0.9779067,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.04591617733240128},{"word":"to","start":900.29,"end":900.37,"confidence":0.9996408,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.034420572221279144},{"word":"use","start":900.37,"end":900.61,"confidence":0.999686,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.04770522937178612},{"word":"the","start":900.61,"end":900.69,"confidence":0.7260051,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04078107327222824},{"word":"three","start":900.69,"end":900.93,"confidence":0.99936014,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.04795166105031967},{"word":"year","start":900.93,"end":901.17,"confidence":0.98743236,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.0676642507314682},{"word":"rolling","start":901.17,"end":901.49,"confidence":0.99950016,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.048363640904426575},{"word":"average","start":901.49,"end":901.89,"confidence":0.99862754,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.052769046276807785},{"word":"because","start":901.89,"end":902.37,"confidence":0.916661,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.028552662581205368},{"word":"bank","start":902.37,"end":902.61,"confidence":0.83588016,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.04774525761604309},{"word":"hybrids","start":902.61,"end":903.01,"confidence":0.88422716,"punctuated_word":"hybrids","sentiment":"neutral","sentiment_score":0.07001878321170807},{"word":"haven't","start":903.01,"end":903.25,"confidence":0.93926907,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.01280960626900196},{"word":"been","start":903.25,"end":903.49,"confidence":0.99944216,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.005594290792942047},{"word":"around","start":903.49,"end":903.73,"confidence":0.9997533,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.006273627281188965},{"word":"for","start":903.73,"end":903.97003,"confidence":0.99459285,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.019483264535665512},{"word":"five","start":903.97003,"end":904.13,"confidence":0.9852005,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.010504573583602904},{"word":"years","start":904.13,"end":904.37,"confidence":0.9965276,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.021249666810035706},{"word":"to","start":904.37,"end":904.53,"confidence":0.7290159,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01758703589439392},{"word":"give","start":904.53,"end":904.69,"confidence":0.9241952,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.016484320163726807},{"word":"me","start":904.69,"end":904.905,"confidence":0.96659,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06104511022567749},{"word":"a","start":904.905,"end":904.98505,"confidence":0.98384583,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03857634216547012},{"word":"five","start":904.98505,"end":905.145,"confidence":0.9995485,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.03910790756344795},{"word":"year","start":905.145,"end":905.385,"confidence":0.9988938,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.04915304481983185},{"word":"rolling","start":905.385,"end":905.86505,"confidence":0.9997774,"punctuated_word":"rolling","sentiment":"neutral","sentiment_score":0.04014931991696358},{"word":"average","start":905.86505,"end":906.36505,"confidence":0.907807,"punctuated_word":"average.","sentiment":"neutral","sentiment_score":0.0406392402946949},{"word":"but","start":907.145,"end":907.625,"confidence":0.50093263,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03807084262371063},{"word":"the","start":907.625,"end":907.86505,"confidence":0.99899524,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05429676920175552},{"word":"newer","start":907.86505,"end":908.265,"confidence":0.99576205,"punctuated_word":"newer","sentiment":"neutral","sentiment_score":0.06881937384605408},{"word":"portfolio","start":908.265,"end":908.765,"confidence":0.9997371,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.036998406052589417},{"word":"over","start":909.065,"end":909.30505,"confidence":0.77332264,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.06465937197208405},{"word":"the","start":909.30505,"end":909.465,"confidence":0.9997211,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0607818141579628},{"word":"past","start":909.465,"end":909.705,"confidence":0.9996675,"punctuated_word":"past","sentiment":"neutral","sentiment_score":-0.0011443644762039185},{"word":"three","start":909.705,"end":909.945,"confidence":0.99884355,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.04224794358015061},{"word":"years","start":909.945,"end":910.265,"confidence":0.9996455,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.07069943845272064},{"word":"has","start":910.265,"end":910.42505,"confidence":0.99121267,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.04258544743061066},{"word":"averaged","start":910.42505,"end":910.905,"confidence":0.99815255,"punctuated_word":"averaged","sentiment":"neutral","sentiment_score":0.025975793600082397},{"word":"about","start":910.905,"end":911.22504,"confidence":0.99590814,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.002473287284374237},{"word":"16.83%","start":911.22504,"end":912.92505,"confidence":0.99162567,"punctuated_word":"16.83%.","sentiment":"neutral","sentiment_score":0.01293056644499302},{"word":"i","start":913.065,"end":913.22504,"confidence":0.9923189,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05282352864742279},{"word":"know","start":913.22504,"end":913.385,"confidence":0.9994591,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06801993399858475},{"word":"with","start":913.385,"end":913.625,"confidence":0.9930184,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05885825306177139},{"word":"the","start":913.625,"end":913.78503,"confidence":0.99952626,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05997920036315918},{"word":"volatility","start":913.78503,"end":914.28503,"confidence":0.9998771,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":-0.01950359344482422},{"word":"and","start":914.34503,"end":914.585,"confidence":0.7818448,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.10552947968244553},{"word":"the","start":914.585,"end":914.74506,"confidence":0.99907,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09876294434070589},{"word":"the","start":914.74506,"end":914.98505,"confidence":0.9963664,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10986396670341492},{"word":"changes","start":914.98505,"end":915.385,"confidence":0.9983273,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.09529691189527512},{"word":"in","start":915.385,"end":915.54504,"confidence":0.9997043,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.10939449071884157},{"word":"the","start":915.54504,"end":915.705,"confidence":0.9994885,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07892298698425293},{"word":"market","start":915.705,"end":916.025,"confidence":0.99912006,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.10072936117649078},{"word":"that","start":916.025,"end":916.18506,"confidence":0.99972075,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08577141910791397},{"word":"we","start":916.18506,"end":916.34503,"confidence":0.99985564,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0520426407456398},{"word":"are","start":916.34503,"end":916.505,"confidence":0.99874616,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.07944019883871078},{"word":"seeing","start":916.505,"end":916.825,"confidence":0.99729747,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":-0.06621626764535904},{"word":"at","start":916.825,"end":916.98505,"confidence":0.99937004,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.15527841448783877},{"word":"the","start":916.98505,"end":917.065,"confidence":0.99968827,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1078641265630722},{"word":"moment","start":917.065,"end":917.565,"confidence":0.9871776,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.13783112168312073},{"word":"i","start":918.02997,"end":918.19,"confidence":0.99909604,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.28906571865081787},{"word":"definitely","start":918.19,"end":918.50995,"confidence":0.99784064,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":-0.304726243019104},{"word":"don't","start":918.50995,"end":918.67,"confidence":0.999571,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2732449769973755},{"word":"expect","start":918.67,"end":918.99,"confidence":0.9991123,"punctuated_word":"expect","sentiment":"neutral","sentiment_score":-0.2784770727157593},{"word":"you","start":918.99,"end":919.06995,"confidence":0.9446324,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.2151469588279724},{"word":"to","start":919.06995,"end":919.14996,"confidence":0.99675107,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2924419641494751},{"word":"get","start":919.14996,"end":919.47,"confidence":0.9997199,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.24050350487232208},{"word":"16%","start":919.47,"end":920.19,"confidence":0.9675201,"punctuated_word":"16%","sentiment":"neutral","sentiment_score":-0.14712324738502502},{"word":"from","start":920.19,"end":920.43,"confidence":0.9998388,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.16334354877471924},{"word":"now","start":920.43,"end":920.75,"confidence":0.9998839,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.1299183964729309},{"word":"over","start":920.75,"end":920.99,"confidence":0.9918955,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.07077565789222717},{"word":"the","start":920.99,"end":921.14996,"confidence":0.99986804,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.15339979529380798},{"word":"next","start":921.14996,"end":921.38995,"confidence":0.99987054,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.1289825737476349},{"word":"ten","start":921.38995,"end":921.55,"confidence":0.99983275,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":-0.09824666380882265},{"word":"years","start":921.55,"end":922.05,"confidence":0.8890017,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.08998560905456543},{"word":"but","start":922.19,"end":922.43,"confidence":0.9997392,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.029355555772781372},{"word":"if","start":922.43,"end":922.50995,"confidence":0.9991737,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16747355461120603},{"word":"the","start":922.50995,"end":922.67,"confidence":0.9990752,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3407788574695587},{"word":"market","start":922.67,"end":923.07,"confidence":0.99828416,"punctuated_word":"market","sentiment":"positive","sentiment_score":0.3902908563613891},{"word":"performs","start":923.07,"end":923.47,"confidence":0.97131795,"punctuated_word":"performs","sentiment":"positive","sentiment_score":0.4086090326309204},{"word":"really","start":923.47,"end":923.70996,"confidence":0.9994529,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.3995620608329773},{"word":"well","start":923.70996,"end":923.87,"confidence":0.9999238,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.48230499029159546},{"word":"and","start":923.87,"end":924.02997,"confidence":0.95943874,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.33865323662757874},{"word":"you","start":924.02997,"end":924.19,"confidence":0.9998331,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.366904616355896},{"word":"can","start":924.19,"end":924.50995,"confidence":0.99975175,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3297565281391144},{"word":"average","start":924.50995,"end":924.82996,"confidence":0.9979996,"punctuated_word":"average","sentiment":"positive","sentiment_score":0.4306294620037079},{"word":"that","start":924.82996,"end":925.07,"confidence":0.99944144,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.30995726585388184},{"word":"kind","start":925.07,"end":925.23,"confidence":0.9970385,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.22013568878173828},{"word":"of","start":925.23,"end":925.38995,"confidence":0.9994758,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2776261568069458},{"word":"return","start":925.38995,"end":925.88995,"confidence":0.9907408,"punctuated_word":"return,","sentiment":"positive","sentiment_score":0.38503655791282654},{"word":"which","start":926.43,"end":926.67,"confidence":0.64402425,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.3613288402557373},{"word":"is","start":926.67,"end":926.82996,"confidence":0.9999093,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3109075427055359},{"word":"greater","start":926.82996,"end":927.14996,"confidence":0.99341786,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.4046451449394226},{"word":"than","start":927.14996,"end":927.38995,"confidence":0.9995566,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.34956884384155273},{"word":"what","start":927.38995,"end":927.55,"confidence":0.9998703,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.3448868691921234},{"word":"your","start":927.55,"end":927.79,"confidence":0.9972108,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3444860577583313},{"word":"current","start":927.79,"end":928.11,"confidence":0.9989502,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.09044408798217772},{"word":"portfolio","start":928.11,"end":928.61,"confidence":0.9990564,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.02083747088909149},{"word":"average","start":928.82996,"end":929.31,"confidence":0.998906,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.24417954683303833},{"word":"has","start":929.31,"end":929.55,"confidence":0.999871,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.15324175357818604},{"word":"been","start":929.55,"end":930.05,"confidence":0.9971957,"punctuated_word":"been,","sentiment":"neutral","sentiment_score":0.2335324585437775},{"word":"we","start":930.19,"end":930.26996,"confidence":0.97072464,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4016861319541931},{"word":"can","start":930.26996,"end":930.50995,"confidence":0.99987614,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.42952874302864075},{"word":"see","start":930.50995,"end":930.75,"confidence":0.9997409,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.4982533156871796},{"word":"a","start":930.75,"end":930.82996,"confidence":0.99885464,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.42286235094070435},{"word":"greater","start":930.82996,"end":931.32996,"confidence":0.93528533,"punctuated_word":"greater","sentiment":"positive","sentiment_score":0.3698256313800812},{"word":"future","start":931.665,"end":931.985,"confidence":0.60682464,"punctuated_word":"future","sentiment":"positive","sentiment_score":0.36606547236442566},{"word":"performance","start":931.985,"end":932.485,"confidence":0.8411143,"punctuated_word":"performance,","sentiment":"positive","sentiment_score":0.4816151559352875},{"word":"and","start":932.545,"end":932.705,"confidence":0.9993467,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3874512612819672},{"word":"we","start":932.705,"end":932.865,"confidence":0.99994886,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4803456068038941},{"word":"can","start":932.865,"end":933.105,"confidence":0.9994573,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5049932599067688},{"word":"estimate","start":933.105,"end":933.425,"confidence":0.9997441,"punctuated_word":"estimate","sentiment":"positive","sentiment_score":0.5377258658409119},{"word":"you","start":933.425,"end":933.58496,"confidence":0.9979387,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5837996602058411},{"word":"to","start":933.58496,"end":933.665,"confidence":0.9965856,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4732259511947632},{"word":"be","start":933.665,"end":933.825,"confidence":0.99872273,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5185020565986633},{"word":"at","start":933.825,"end":933.985,"confidence":0.8045187,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.48565396666526794},{"word":"about","start":933.985,"end":934.485,"confidence":0.9933195,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.4126347303390503},{"word":"$35,000","start":934.705,"end":935.985,"confidence":0.9085293,"punctuated_word":"$35,000","sentiment":"positive","sentiment_score":0.5723150968551636},{"word":"better","start":935.985,"end":936.225,"confidence":0.9969212,"punctuated_word":"better","sentiment":"positive","sentiment_score":0.5081626176834106},{"word":"off","start":936.225,"end":936.385,"confidence":0.99133086,"punctuated_word":"off","sentiment":"positive","sentiment_score":0.5336772799491882},{"word":"over","start":936.385,"end":936.705,"confidence":0.9995807,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.41783276200294495},{"word":"the","start":936.705,"end":936.785,"confidence":0.9997656,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25801923871040344},{"word":"next","start":936.785,"end":937.02496,"confidence":0.99972457,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.2692345082759857},{"word":"ten","start":937.02496,"end":937.265,"confidence":0.9997236,"punctuated_word":"ten","sentiment":"neutral","sentiment_score":0.26491931080818176},{"word":"years","start":937.265,"end":937.58496,"confidence":0.9848856,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.3000916838645935},{"word":"which","start":937.58496,"end":937.745,"confidence":0.99989414,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.3622628450393677},{"word":"would","start":937.745,"end":937.985,"confidence":0.9231987,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.4169749319553375},{"word":"be","start":937.985,"end":938.14496,"confidence":0.9989912,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4396370053291321},{"word":"great","start":938.14496,"end":938.385,"confidence":0.9994966,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.5776045918464661},{"word":"if","start":938.385,"end":938.625,"confidence":0.9995173,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.566592276096344},{"word":"we","start":938.625,"end":938.705,"confidence":0.9994929,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.44819700717926025},{"word":"can","start":938.705,"end":938.945,"confidence":0.9994856,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.4626365900039673},{"word":"do","start":938.945,"end":939.105,"confidence":0.9994911,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5868479013442993},{"word":"that","start":939.105,"end":939.345,"confidence":0.99984956,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5554179549217224},{"word":"for","start":939.345,"end":939.505,"confidence":0.9998722,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4872739911079407},{"word":"you","start":939.505,"end":939.90497,"confidence":0.9993057,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.2772088646888733},{"word":"okay","start":939.90497,"end":940.40497,"confidence":0.9600942,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.0653606727719307},{"word":"yeah","start":940.785,"end":941.285,"confidence":0.91208565,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13639429211616516},{"word":"beautiful","start":941.745,"end":942.245,"confidence":0.99719954,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.4104190468788147},{"word":"i'll","start":942.945,"end":943.185,"confidence":0.92120206,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2306288331747055},{"word":"let","start":943.185,"end":943.345,"confidence":0.9996772,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.25464192032814026},{"word":"you","start":943.345,"end":943.505,"confidence":0.9989581,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25476351380348206},{"word":"run","start":943.505,"end":943.665,"confidence":0.99945515,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.2531571388244629},{"word":"your","start":943.665,"end":943.90497,"confidence":0.9992482,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15527787804603577},{"word":"eyes","start":943.90497,"end":944.14496,"confidence":0.999466,"punctuated_word":"eyes","sentiment":"neutral","sentiment_score":0.1758417785167694},{"word":"over","start":944.14496,"end":944.385,"confidence":0.99962556,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.23459801077842712},{"word":"that","start":944.385,"end":944.545,"confidence":0.9990859,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1607581228017807},{"word":"one","start":944.545,"end":944.785,"confidence":0.92160505,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.11201345920562744},{"word":"i","start":944.785,"end":944.865,"confidence":0.9582082,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.031774260103702545},{"word":"don't","start":944.865,"end":945.105,"confidence":0.99615204,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.04629245400428772},{"word":"wanna","start":945.105,"end":945.3,"confidence":0.9976713,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.07268667221069336},{"word":"throw","start":945.38,"end":945.7,"confidence":0.9884926,"punctuated_word":"throw","sentiment":"neutral","sentiment_score":-0.11668769270181656},{"word":"too","start":945.7,"end":945.77997,"confidence":0.99837697,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.15036097168922424},{"word":"many","start":945.77997,"end":946.18,"confidence":0.9996617,"punctuated_word":"many","sentiment":"neutral","sentiment_score":-0.11415840685367584},{"word":"numbers","start":946.18,"end":946.5,"confidence":0.9998204,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":-0.12034069001674652},{"word":"at","start":946.5,"end":946.66,"confidence":0.838729,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.22292643785476685},{"word":"you","start":946.66,"end":946.89996,"confidence":0.9996363,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.12269583344459534},{"word":"and","start":946.89996,"end":946.98,"confidence":0.9765138,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.16546675562858582},{"word":"make","start":946.98,"end":947.22,"confidence":0.99945945,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.18909478187561035},{"word":"it","start":947.22,"end":947.38,"confidence":0.9984938,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08247744292020798},{"word":"too","start":947.38,"end":947.62,"confidence":0.9517382,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.24978068470954895},{"word":"confusing","start":947.62,"end":948.12,"confidence":0.9966598,"punctuated_word":"confusing.","sentiment":"neutral","sentiment_score":-0.08556316792964935},{"word":"the","start":948.33997,"end":948.5,"confidence":0.98332256,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.08136691898107529},{"word":"thing","start":948.5,"end":948.82,"confidence":0.9979722,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.10077688097953796},{"word":"i","start":948.82,"end":948.98,"confidence":0.9981166,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11202919483184814},{"word":"hate","start":948.98,"end":949.22,"confidence":0.6771999,"punctuated_word":"hate","sentiment":"neutral","sentiment_score":-0.17788547277450562},{"word":"about","start":949.22,"end":949.72,"confidence":0.9809616,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.13711462914943695},{"word":"not","start":949.77997,"end":950.01996,"confidence":0.9609225,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.13317114114761353},{"word":"having","start":950.01996,"end":950.26,"confidence":0.9685398,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.1302385926246643},{"word":"you","start":950.26,"end":950.33997,"confidence":0.98451406,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13187703490257263},{"word":"see","start":950.33997,"end":950.58,"confidence":0.9890266,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.15224407613277435},{"word":"the","start":950.58,"end":950.66,"confidence":0.9983827,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14055681228637695},{"word":"document","start":950.66,"end":951.06,"confidence":0.9951533,"punctuated_word":"document","sentiment":"neutral","sentiment_score":-0.15223729610443115},{"word":"is","start":951.06,"end":951.3,"confidence":0.997766,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.10838371515274048},{"word":"i","start":951.3,"end":951.38,"confidence":0.94294727,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.10441962629556656},{"word":"don't","start":951.38,"end":951.54,"confidence":0.99997246,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.12722758948802948},{"word":"wanna","start":951.54,"end":951.77997,"confidence":0.9937662,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.14296351373195648},{"word":"sort","start":951.77997,"end":952.01996,"confidence":0.9744076,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.15797795355319977},{"word":"of","start":952.01996,"end":952.1,"confidence":0.7162431,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17228613793849945},{"word":"talk","start":952.1,"end":952.33997,"confidence":0.99776375,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":-0.1554875522851944},{"word":"at","start":952.33997,"end":952.5,"confidence":0.97725767,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.19581377506256104},{"word":"you","start":952.5,"end":952.74,"confidence":0.9997477,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.14419659972190857},{"word":"at","start":952.74,"end":952.82,"confidence":0.9929656,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.16487188637256622},{"word":"all","start":952.82,"end":952.98,"confidence":0.99794984,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":-0.12982958555221558},{"word":"i","start":952.98,"end":953.14,"confidence":0.99989843,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05336505547165871},{"word":"kinda","start":953.14,"end":953.45996,"confidence":0.99067175,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.026253866031765934},{"word":"wanna","start":953.45996,"end":953.77997,"confidence":0.99510264,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.017406649887561798},{"word":"just","start":953.77997,"end":953.94,"confidence":0.9973214,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0031966418027877808},{"word":"make","start":953.94,"end":954.1,"confidence":0.99927133,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.004192359745502472},{"word":"sure","start":954.1,"end":954.42,"confidence":0.9998406,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.03099711984395981},{"word":"i'm","start":954.42,"end":954.66,"confidence":0.9655875,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04780327528715134},{"word":"giving","start":954.66,"end":954.98,"confidence":0.9995691,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.08136602491140366},{"word":"you","start":954.98,"end":955.14,"confidence":0.9999151,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05009745806455612},{"word":"what","start":955.14,"end":955.3,"confidence":0.9998338,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07837405055761337},{"word":"you","start":955.3,"end":955.45996,"confidence":0.99912745,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03533875197172165},{"word":"need","start":955.45996,"end":955.7,"confidence":0.76764727,"punctuated_word":"need,","sentiment":"neutral","sentiment_score":-0.0021553300321102142},{"word":"but","start":955.7,"end":956.01996,"confidence":0.9981164,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.03129394352436066},{"word":"not","start":956.01996,"end":956.26,"confidence":0.99961287,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.08719174563884735},{"word":"throwing","start":956.26,"end":956.74,"confidence":0.9844077,"punctuated_word":"throwing","sentiment":"neutral","sentiment_score":-0.14812637865543363},{"word":"too","start":956.74,"end":956.89996,"confidence":0.9971522,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.2278946340084076},{"word":"much","start":956.89996,"end":957.38,"confidence":0.99704903,"punctuated_word":"much","sentiment":"neutral","sentiment_score":-0.20310205221176147},{"word":"confusing","start":957.38,"end":957.86,"confidence":0.99928564,"punctuated_word":"confusing","sentiment":"neutral","sentiment_score":-0.20323200523853305},{"word":"numbers","start":957.86,"end":958.26,"confidence":0.99944705,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":-0.2043609470129013},{"word":"and","start":958.26,"end":958.42,"confidence":0.9089387,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.13201744854450226},{"word":"whatnot","start":958.42,"end":958.82,"confidence":0.7167289,"punctuated_word":"whatnot","sentiment":"neutral","sentiment_score":-0.0738738551735878},{"word":"at","start":958.82,"end":958.89996,"confidence":0.9860941,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.003750234842300415},{"word":"you","start":958.89996,"end":959.39996,"confidence":0.99813986,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.013432908803224564},{"word":"so","start":960.1,"end":960.6,"confidence":0.96110266,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01365312933921814},{"word":"i'll","start":961.28503,"end":961.525,"confidence":0.9997305,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0627356767654419},{"word":"let","start":961.525,"end":961.765,"confidence":0.9997925,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.08453789353370667},{"word":"you","start":961.765,"end":961.92505,"confidence":0.99978584,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09134136140346528},{"word":"read","start":961.92505,"end":962.16504,"confidence":0.998425,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.07552064955234528},{"word":"through","start":962.16504,"end":962.48505,"confidence":0.99915767,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0862191766500473},{"word":"that","start":962.48505,"end":962.645,"confidence":0.9995815,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08499985933303833},{"word":"one","start":962.645,"end":962.885,"confidence":0.93442523,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.09770932793617249},{"word":"and","start":962.885,"end":963.04504,"confidence":0.99967253,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11700359731912612},{"word":"you","start":963.04504,"end":963.205,"confidence":0.9998357,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1197817400097847},{"word":"can","start":963.205,"end":963.365,"confidence":0.9998319,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10508871078491212},{"word":"let","start":963.365,"end":963.525,"confidence":0.99987173,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.11031055450439452},{"word":"me","start":963.525,"end":963.685,"confidence":0.99962807,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.11176984012126924},{"word":"know","start":963.685,"end":963.84503,"confidence":0.99978286,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.10812722891569138},{"word":"if","start":963.84503,"end":964.005,"confidence":0.9994618,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10324662178754808},{"word":"you","start":964.005,"end":964.085,"confidence":0.9995596,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10029880702495576},{"word":"have","start":964.085,"end":964.405,"confidence":0.99930716,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09498333930969238},{"word":"any","start":964.405,"end":964.72504,"confidence":0.9994367,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08485830575227737},{"word":"additional","start":964.72504,"end":965.205,"confidence":0.99977666,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.05302555859088898},{"word":"questions","start":965.205,"end":965.685,"confidence":0.9993174,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.06619107723236084},{"word":"or","start":965.685,"end":965.92505,"confidence":0.9476805,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05256099626421928},{"word":"concerns","start":965.92505,"end":966.42505,"confidence":0.9889043,"punctuated_word":"concerns","sentiment":"neutral","sentiment_score":0.02405192330479622},{"word":"or","start":966.48505,"end":966.645,"confidence":0.9866164,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.061889708042144775},{"word":"anything","start":966.645,"end":967.04504,"confidence":0.9995196,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.06136634573340416},{"word":"in","start":967.04504,"end":967.125,"confidence":0.99119264,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03100084885954857},{"word":"relation","start":967.125,"end":967.60504,"confidence":0.99519956,"punctuated_word":"relation","sentiment":"neutral","sentiment_score":0.05623837187886238},{"word":"to","start":967.60504,"end":967.765,"confidence":0.9807568,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06701241433620453},{"word":"it","start":967.765,"end":968.085,"confidence":0.99422836,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.05620031803846359},{"word":"okay","start":968.085,"end":968.585,"confidence":0.99408984,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.09725673496723176},{"word":"perfect","start":970.325,"end":970.825,"confidence":0.976094,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3567282557487488},{"word":"now","start":972.325,"end":972.645,"confidence":0.86070424,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1165260598063469},{"word":"with","start":972.645,"end":972.885,"confidence":0.85734075,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07931160926818848},{"word":"the","start":972.885,"end":973.35,"confidence":0.6293318,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10539980232715608},{"word":"we","start":974.55,"end":974.79,"confidence":0.97580963,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12116120010614397},{"word":"are","start":974.79,"end":975.02997,"confidence":0.9997851,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08985985815525055},{"word":"retaining","start":975.02997,"end":975.43,"confidence":0.9498301,"punctuated_word":"retaining","sentiment":"neutral","sentiment_score":0.10353513807058334},{"word":"your","start":975.43,"end":975.58997,"confidence":0.9976004,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11678241193294524},{"word":"life","start":975.58997,"end":975.82996,"confidence":0.9895801,"punctuated_word":"life,","sentiment":"neutral","sentiment_score":0.1264183521270752},{"word":"your","start":975.82996,"end":976.06995,"confidence":0.9960592,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14031049609184265},{"word":"tpd","start":976.06995,"end":976.55,"confidence":0.980769,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":0.10661270469427107},{"word":"your","start":976.55,"end":976.79,"confidence":0.99791664,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12975797057151794},{"word":"income","start":976.79,"end":977.11,"confidence":0.9955466,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.10555316507816316},{"word":"protection","start":977.11,"end":977.61,"confidence":0.99855655,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":0.08353058993816376},{"word":"inside","start":977.67,"end":978.06995,"confidence":0.9489425,"punctuated_word":"inside","sentiment":"neutral","sentiment_score":0.10410977900028227},{"word":"super","start":978.06995,"end":978.31,"confidence":0.563911,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.08982648700475693},{"word":"there","start":978.31,"end":978.47,"confidence":0.6016374,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1012568548321724},{"word":"at","start":978.47,"end":978.63,"confidence":0.9389998,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07821249961853027},{"word":"the","start":978.63,"end":978.79,"confidence":0.9991404,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0836552083492279},{"word":"moment","start":978.79,"end":979.11,"confidence":0.99461675,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":0.0971921682357788},{"word":"there's","start":979.11,"end":979.35,"confidence":0.9981712,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.03690117225050926},{"word":"no","start":979.35,"end":979.50995,"confidence":0.9993912,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.002939686179161072},{"word":"major","start":979.50995,"end":979.91,"confidence":0.99944705,"punctuated_word":"major","sentiment":"neutral","sentiment_score":-0.06250650435686111},{"word":"changes","start":979.91,"end":980.31,"confidence":0.9992562,"punctuated_word":"changes","sentiment":"neutral","sentiment_score":-0.05708381533622742},{"word":"to","start":980.31,"end":980.47,"confidence":0.91042584,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03709978237748146},{"word":"that","start":980.47,"end":980.94995,"confidence":0.9989054,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.00964578241109848},{"word":"this","start":980.94995,"end":981.43,"confidence":0.8364701,"punctuated_word":"This,","sentiment":"neutral","sentiment_score":-0.05622728541493416},{"word":"whilst","start":981.43,"end":981.75,"confidence":0.98827565,"punctuated_word":"whilst","sentiment":"neutral","sentiment_score":-0.07585717737674713},{"word":"we're","start":981.75,"end":981.99,"confidence":0.99769664,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.09072422981262208},{"word":"not","start":981.99,"end":982.14996,"confidence":0.99979216,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07056060433387756},{"word":"making","start":982.14996,"end":982.47,"confidence":0.99991596,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.11839187890291214},{"word":"any","start":982.47,"end":982.70996,"confidence":0.9984451,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.11007948219776154},{"word":"changes","start":982.70996,"end":983.11,"confidence":0.9871408,"punctuated_word":"changes,","sentiment":"neutral","sentiment_score":-0.11319942772388458},{"word":"has","start":983.11,"end":983.35,"confidence":0.99136484,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.11740842461586},{"word":"been","start":983.35,"end":983.50995,"confidence":0.99844176,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.10254311561584473},{"word":"scoped","start":983.50995,"end":983.91,"confidence":0.990293,"punctuated_word":"scoped","sentiment":"neutral","sentiment_score":-0.12485907971858978},{"word":"into","start":983.91,"end":984.14996,"confidence":0.9912549,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.1398726850748062},{"word":"a","start":984.14996,"end":984.31,"confidence":0.9976368,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13780651986598969},{"word":"limited","start":984.31,"end":984.79,"confidence":0.99901235,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":-0.13980001211166382},{"word":"scope","start":984.79,"end":985.11,"confidence":0.95965695,"punctuated_word":"scope","sentiment":"neutral","sentiment_score":-0.09523911029100418},{"word":"to","start":985.11,"end":985.19,"confidence":0.9039779,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11675374209880827},{"word":"the","start":985.19,"end":985.35,"confidence":0.9807747,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09434083849191666},{"word":"advice","start":985.35,"end":985.85,"confidence":0.9425723,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":-0.11638447642326356},{"word":"a","start":986.355,"end":986.515,"confidence":0.9855261,"punctuated_word":"A","sentiment":"neutral","sentiment_score":-0.18130667507648468},{"word":"limited","start":986.515,"end":986.915,"confidence":0.99984705,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":-0.1749721318483353},{"word":"scope","start":986.915,"end":987.235,"confidence":0.993338,"punctuated_word":"scope","sentiment":"neutral","sentiment_score":-0.1583037227392197},{"word":"simply","start":987.235,"end":987.555,"confidence":0.99944836,"punctuated_word":"simply","sentiment":"neutral","sentiment_score":-0.1498420238494873},{"word":"means","start":987.555,"end":987.875,"confidence":0.9998485,"punctuated_word":"means","sentiment":"neutral","sentiment_score":-0.1422484964132309},{"word":"that","start":987.875,"end":988.195,"confidence":0.99984,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.14515261352062225},{"word":"we","start":988.195,"end":988.695,"confidence":0.9983498,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1337893158197403},{"word":"know","start":988.755,"end":988.995,"confidence":0.9919369,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.17444056272506714},{"word":"we're","start":988.995,"end":989.235,"confidence":0.9993416,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.1528480499982834},{"word":"not","start":989.235,"end":989.315,"confidence":0.9999188,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.15662413835525513},{"word":"making","start":989.315,"end":989.635,"confidence":0.9998679,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.1775246411561966},{"word":"a","start":989.635,"end":989.795,"confidence":0.96269196,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1677984595298767},{"word":"recommendation","start":989.795,"end":990.295,"confidence":0.9998493,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":-0.27880385518074036},{"word":"on","start":990.515,"end":990.755,"confidence":0.99995625,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1988288015127182},{"word":"this","start":990.755,"end":991.075,"confidence":0.9995919,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.25063270330429077},{"word":"product","start":991.075,"end":991.575,"confidence":0.969949,"punctuated_word":"product.","sentiment":"neutral","sentiment_score":-0.08331629633903503},{"word":"however","start":991.635,"end":992.135,"confidence":0.99946624,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.10326528549194336},{"word":"there","start":992.435,"end":992.675,"confidence":0.9996581,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.1536991149187088},{"word":"is","start":992.675,"end":992.835,"confidence":0.9709986,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.15411201119422913},{"word":"an","start":992.835,"end":992.995,"confidence":0.99634874,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.12858203053474426},{"word":"effect","start":992.995,"end":993.395,"confidence":0.9914507,"punctuated_word":"effect","sentiment":"neutral","sentiment_score":-0.12582574784755707},{"word":"on","start":993.395,"end":993.635,"confidence":0.9999262,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1112414002418518},{"word":"any","start":993.635,"end":993.875,"confidence":0.9981989,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.10841014236211775},{"word":"other","start":993.875,"end":994.115,"confidence":0.99967396,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.11486868560314178},{"word":"recommendations","start":994.115,"end":994.615,"confidence":0.99604744,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":-0.11496520042419434},{"word":"that","start":994.755,"end":994.915,"confidence":0.9999515,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09419449418783188},{"word":"we","start":994.915,"end":995.155,"confidence":0.99994135,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09284960478544237},{"word":"are","start":995.155,"end":995.315,"confidence":0.9982323,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.07578133791685104},{"word":"making","start":995.315,"end":995.715,"confidence":0.978269,"punctuated_word":"making.","sentiment":"neutral","sentiment_score":-0.1160651072859764},{"word":"so","start":995.715,"end":995.955,"confidence":0.99624014,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.07971824705600739},{"word":"because","start":995.955,"end":996.275,"confidence":0.9904108,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07990939915180206},{"word":"your","start":996.275,"end":996.435,"confidence":0.95088524,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.04312382638454437},{"word":"life","start":996.435,"end":996.675,"confidence":0.5476623,"punctuated_word":"life,","sentiment":"neutral","sentiment_score":-0.05814257636666298},{"word":"tpd","start":996.675,"end":997.155,"confidence":0.6321706,"punctuated_word":"TPD,","sentiment":"neutral","sentiment_score":-0.05309306085109711},{"word":"and","start":997.155,"end":997.235,"confidence":0.99484235,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07802210748195648},{"word":"income","start":997.235,"end":997.635,"confidence":0.96157235,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.08052317798137665},{"word":"protection","start":997.635,"end":998.135,"confidence":0.998235,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.05341089889407158},{"word":"are","start":998.195,"end":998.355,"confidence":0.9906821,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.04270818829536438},{"word":"paid","start":998.355,"end":998.595,"confidence":0.99960595,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":-0.0749695673584938},{"word":"out","start":998.595,"end":998.755,"confidence":0.9811933,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.08076363801956177},{"word":"of","start":998.755,"end":998.915,"confidence":0.94868493,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.1057424694299698},{"word":"super","start":998.915,"end":999.415,"confidence":0.91914284,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":-0.1056416779756546},{"word":"having","start":999.67,"end":999.91003,"confidence":0.99955577,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.11194843053817748},{"word":"it","start":999.91003,"end":999.99,"confidence":0.6934955,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09327851980924606},{"word":"scoped","start":999.99,"end":1000.39,"confidence":0.97752154,"punctuated_word":"scoped","sentiment":"neutral","sentiment_score":-0.06346898525953293},{"word":"into","start":1000.39,"end":1000.55,"confidence":0.96883553,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.05506894364953041},{"word":"a","start":1000.55,"end":1000.71,"confidence":0.99500614,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07989298552274704},{"word":"limited","start":1000.71,"end":1001.21,"confidence":0.99980134,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":-0.07222843170166016},{"word":"extent","start":1001.27,"end":1001.59,"confidence":0.9487931,"punctuated_word":"extent","sentiment":"neutral","sentiment_score":-0.0649130642414093},{"word":"just","start":1001.59,"end":1001.91003,"confidence":0.92774117,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10702838003635406},{"word":"makes","start":1001.91003,"end":1002.15,"confidence":0.70375293,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.1814970970153809},{"word":"sure","start":1002.15,"end":1002.39,"confidence":0.9909689,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.1140001267194748},{"word":"that","start":1002.39,"end":1002.55,"confidence":0.9992884,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.09534983336925508},{"word":"you're","start":1002.55,"end":1002.71,"confidence":0.9968248,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.1116119623184204},{"word":"aware","start":1002.71,"end":1003.03,"confidence":0.99958616,"punctuated_word":"aware","sentiment":"neutral","sentiment_score":-0.120011106133461},{"word":"you","start":1003.03,"end":1003.19,"confidence":0.9594467,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.13011547923088074},{"word":"are","start":1003.19,"end":1003.43,"confidence":0.9994661,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.11121471226215364},{"word":"paying","start":1003.43,"end":1003.67,"confidence":0.999706,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":-0.13569164276123047},{"word":"for","start":1003.67,"end":1003.83,"confidence":0.9202375,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.12162141501903534},{"word":"those","start":1003.83,"end":1003.99,"confidence":0.99849,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.15047985315322876},{"word":"premiums","start":1003.99,"end":1004.47003,"confidence":0.86558354,"punctuated_word":"premiums","sentiment":"neutral","sentiment_score":-0.15576496720314026},{"word":"out","start":1004.47003,"end":1004.63,"confidence":0.92188066,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.2184896022081375},{"word":"of","start":1004.63,"end":1004.79004,"confidence":0.9960098,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20355406403541565},{"word":"super","start":1004.79004,"end":1005.29004,"confidence":0.788056,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":-0.15887302160263062},{"word":"and","start":1005.35004,"end":1005.59,"confidence":0.99917954,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1204790249466896},{"word":"so","start":1005.59,"end":1005.75,"confidence":0.9989316,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.09038333594799042},{"word":"we","start":1005.75,"end":1005.91003,"confidence":0.99985874,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.11148342490196228},{"word":"have","start":1005.91003,"end":1006.15,"confidence":0.9998523,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.07828941196203232},{"word":"to","start":1006.15,"end":1006.39,"confidence":0.99929965,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0954245924949646},{"word":"account","start":1006.39,"end":1006.71,"confidence":0.9982596,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.10218707472085951},{"word":"for","start":1006.71,"end":1006.79004,"confidence":0.98499435,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.098176971077919},{"word":"that","start":1006.79004,"end":1007.03,"confidence":0.99991477,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.138270765542984},{"word":"as","start":1007.03,"end":1007.27,"confidence":0.9997137,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.12527692317962646},{"word":"part","start":1007.27,"end":1007.51,"confidence":0.9996717,"punctuated_word":"part","sentiment":"neutral","sentiment_score":-0.07321372628211975},{"word":"of","start":1007.51,"end":1007.59,"confidence":0.99982315,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05563756451010704},{"word":"the","start":1007.59,"end":1007.83,"confidence":0.9976046,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.046381548047065735},{"word":"overall","start":1007.83,"end":1008.23,"confidence":0.9998286,"punctuated_word":"overall","sentiment":"neutral","sentiment_score":-0.022082045674324036},{"word":"projection","start":1008.23,"end":1008.73,"confidence":0.9990343,"punctuated_word":"projection","sentiment":"neutral","sentiment_score":-0.02956363931298256},{"word":"and","start":1008.87,"end":1009.11,"confidence":0.9359056,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.08041436225175858},{"word":"looking","start":1009.11,"end":1009.43,"confidence":0.9995486,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.05624573677778244},{"word":"at","start":1009.43,"end":1009.59,"confidence":0.99973994,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.06557337194681168},{"word":"the","start":1009.59,"end":1009.75,"confidence":0.9993326,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.08546847105026245},{"word":"fees","start":1009.75,"end":1010.15,"confidence":0.9554371,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":-0.05260388553142547},{"word":"and","start":1010.15,"end":1010.31,"confidence":0.9982297,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.11785326153039932},{"word":"the","start":1010.31,"end":1010.47003,"confidence":0.9991879,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10371650755405426},{"word":"effect","start":1010.47003,"end":1010.79004,"confidence":0.9883255,"punctuated_word":"effect","sentiment":"neutral","sentiment_score":-0.0579792857170105},{"word":"on","start":1010.79004,"end":1010.95,"confidence":0.9993912,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0809784084558487},{"word":"your","start":1010.95,"end":1011.19,"confidence":0.9983822,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1354120522737503},{"word":"super","start":1011.19,"end":1011.69,"confidence":0.9477757,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.1219835877418518},{"word":"so","start":1011.84503,"end":1012.005,"confidence":0.9997671,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.10351160913705826},{"word":"that's","start":1012.005,"end":1012.245,"confidence":0.9995376,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.09087079018354416},{"word":"why","start":1012.245,"end":1012.405,"confidence":0.99773526,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.0885067880153656},{"word":"it's","start":1012.405,"end":1012.565,"confidence":0.9898548,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.10165874660015106},{"word":"limited","start":1012.565,"end":1013.04504,"confidence":0.9953518,"punctuated_word":"limited","sentiment":"neutral","sentiment_score":-0.08305023610591888},{"word":"scope","start":1013.04504,"end":1013.445,"confidence":0.6003967,"punctuated_word":"scope","sentiment":"neutral","sentiment_score":-0.08705300092697144},{"word":"in","start":1013.445,"end":1013.60504,"confidence":0.9979759,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07788203656673431},{"word":"there","start":1013.60504,"end":1013.765,"confidence":0.9482647,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.054044727236032486},{"word":"and","start":1013.765,"end":1014.005,"confidence":0.9998375,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.031016480177640915},{"word":"i've","start":1014.005,"end":1014.16504,"confidence":0.99990135,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.002456593094393611},{"word":"got","start":1014.16504,"end":1014.325,"confidence":0.9998561,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.02181879431009293},{"word":"a","start":1014.325,"end":1014.405,"confidence":0.999413,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008927544578909874},{"word":"little","start":1014.405,"end":1014.645,"confidence":0.99991524,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.0026142150163650513},{"word":"blurb","start":1014.645,"end":1014.965,"confidence":0.9551048,"punctuated_word":"blurb","sentiment":"neutral","sentiment_score":-0.005028357729315758},{"word":"that","start":1014.965,"end":1015.125,"confidence":0.9985789,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.008939512073993683},{"word":"explains","start":1015.125,"end":1015.525,"confidence":0.9996124,"punctuated_word":"explains","sentiment":"neutral","sentiment_score":-0.01222699135541916},{"word":"that","start":1015.525,"end":1015.765,"confidence":0.99976104,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0048086196184158325},{"word":"to","start":1015.765,"end":1015.925,"confidence":0.9981055,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.002334136515855789},{"word":"you","start":1015.925,"end":1016.085,"confidence":0.99974924,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.003693316131830215},{"word":"as","start":1016.085,"end":1016.325,"confidence":0.99989736,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.01296595111489296},{"word":"well","start":1016.325,"end":1016.645,"confidence":0.99984646,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.009464295580983162},{"word":"okay","start":1016.645,"end":1017.145,"confidence":0.98952067,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.05661514773964882},{"word":"perfect","start":1018.645,"end":1019.145,"confidence":0.9714492,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5411791205406189},{"word":"i","start":1020.885,"end":1021.04504,"confidence":0.61324984,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11560468375682832},{"word":"with","start":1021.28503,"end":1021.60504,"confidence":0.9993325,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0830463245511055},{"word":"regard","start":1021.60504,"end":1022.005,"confidence":0.98366,"punctuated_word":"regard","sentiment":"neutral","sentiment_score":0.09204363077878952},{"word":"to","start":1022.005,"end":1022.16504,"confidence":0.99805033,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11341705173254012},{"word":"the","start":1022.16504,"end":1022.66504,"confidence":0.99854726,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07328100502490997},{"word":"the","start":1023.04504,"end":1023.28503,"confidence":0.909061,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07168301939964294},{"word":"child","start":1023.28503,"end":1023.60504,"confidence":0.99072963,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.10206378996372224},{"word":"trauma","start":1023.60504,"end":1024.005,"confidence":0.99827194,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.08911095559597015},{"word":"policy","start":1024.005,"end":1024.47,"confidence":0.8731528,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":0.08323339372873306},{"word":"now","start":1024.63,"end":1024.95,"confidence":0.9993604,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.09751619398593904},{"word":"we","start":1024.95,"end":1025.19,"confidence":0.98948276,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11558540165424348},{"word":"are","start":1025.19,"end":1025.4299,"confidence":0.99988604,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11157327890396118},{"word":"making","start":1025.4299,"end":1025.6699,"confidence":0.9999052,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.12826699018478394},{"word":"a","start":1025.6699,"end":1025.9099,"confidence":0.9485881,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16272258758544922},{"word":"recommendation","start":1025.9099,"end":1026.4099,"confidence":0.9886258,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.21754324436187744},{"word":"that","start":1026.71,"end":1026.95,"confidence":0.99979144,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17394287884235382},{"word":"you","start":1026.95,"end":1027.11,"confidence":0.9999522,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.20468099415302277},{"word":"do","start":1027.11,"end":1027.35,"confidence":0.99992466,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1845753788948059},{"word":"apply","start":1027.35,"end":1027.59,"confidence":0.99669397,"punctuated_word":"apply","sentiment":"neutral","sentiment_score":0.15465563535690308},{"word":"for","start":1027.59,"end":1027.75,"confidence":0.99969697,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.14089134335517883},{"word":"the","start":1027.75,"end":1027.9099,"confidence":0.99912566,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13357189297676086},{"word":"child","start":1027.9099,"end":1028.23,"confidence":0.9963253,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.11821696907281876},{"word":"trauma","start":1028.23,"end":1028.5499,"confidence":0.9978625,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.114316925406456},{"word":"policy","start":1028.5499,"end":1029.0499,"confidence":0.7559786,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":0.13690471649169922},{"word":"applying","start":1029.35,"end":1029.6699,"confidence":0.9879133,"punctuated_word":"applying","sentiment":"neutral","sentiment_score":0.12543444335460663},{"word":"for","start":1029.6699,"end":1029.9099,"confidence":0.9998826,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1452268809080124},{"word":"a","start":1029.9099,"end":1030.07,"confidence":0.9987908,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16750386357307434},{"word":"$100,000","start":1030.07,"end":1031.03,"confidence":0.99935734,"punctuated_word":"$100,000","sentiment":"neutral","sentiment_score":0.1858254224061966},{"word":"of","start":1031.03,"end":1031.27,"confidence":0.99590826,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1445418894290924},{"word":"the","start":1031.27,"end":1031.4299,"confidence":0.84451526,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12133291363716124},{"word":"child","start":1031.4299,"end":1031.75,"confidence":0.99900264,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.10534580796957016},{"word":"trauma","start":1031.75,"end":1032.25,"confidence":0.9997669,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.09648095816373824},{"word":"with","start":1032.3099,"end":1032.63,"confidence":0.9994091,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12449517846107484},{"word":"one","start":1032.63,"end":1032.95,"confidence":0.9971513,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.0924289971590042},{"word":"path","start":1032.95,"end":1033.35,"confidence":0.7582723,"punctuated_word":"path.","sentiment":"neutral","sentiment_score":0.07352080941200256},{"word":"so","start":1033.35,"end":1033.85,"confidence":0.99875224,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.12844768166542053},{"word":"i","start":1033.9099,"end":1034.07,"confidence":0.999315,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19234946370124817},{"word":"had","start":1034.07,"end":1034.23,"confidence":0.99790025,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.21046017110347748},{"word":"a","start":1034.23,"end":1034.39,"confidence":0.999846,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22338256239891052},{"word":"really","start":1034.39,"end":1034.63,"confidence":0.99997425,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.30517908930778503},{"word":"good","start":1034.63,"end":1034.7899,"confidence":0.99979955,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.26374977827072144},{"word":"look","start":1034.7899,"end":1035.11,"confidence":0.99989784,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.28688764572143555},{"word":"at","start":1035.11,"end":1035.27,"confidence":0.9999045,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.31191486120224},{"word":"all","start":1035.27,"end":1035.4299,"confidence":0.99996674,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.38630449771881104},{"word":"the","start":1035.4299,"end":1035.59,"confidence":0.99900985,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29068148136138916},{"word":"options","start":1035.59,"end":1036.07,"confidence":0.99987483,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.17368437349796295},{"word":"out","start":1036.07,"end":1036.23,"confidence":0.998792,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.27482128143310547},{"word":"there","start":1036.23,"end":1036.47,"confidence":0.99984133,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2630636990070343},{"word":"with","start":1036.47,"end":1036.63,"confidence":0.9992508,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17566585540771484},{"word":"regards","start":1036.63,"end":1037.11,"confidence":0.97064185,"punctuated_word":"regards","sentiment":"neutral","sentiment_score":0.1539025902748108},{"word":"to","start":1037.11,"end":1037.19,"confidence":0.97135556,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25247302651405334},{"word":"the","start":1037.19,"end":1037.27,"confidence":0.95424855,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22260256111621857},{"word":"child","start":1037.27,"end":1037.59,"confidence":0.99814284,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.21731510758399963},{"word":"trauma","start":1037.59,"end":1037.99,"confidence":0.9973532,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.21292677521705627},{"word":"policy","start":1037.99,"end":1038.49,"confidence":0.99892163,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":0.17115722596645355},{"word":"most","start":1039.3551,"end":1039.675,"confidence":0.9625288,"punctuated_word":"Most","sentiment":"neutral","sentiment_score":0.12750545144081116},{"word":"of","start":1039.675,"end":1039.8351,"confidence":0.99865615,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13439422845840454},{"word":"the","start":1039.8351,"end":1039.995,"confidence":0.99527943,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.058533310890197754},{"word":"insurers","start":1039.995,"end":1040.395,"confidence":0.80719566,"punctuated_word":"insurers","sentiment":"neutral","sentiment_score":-0.04056944698095322},{"word":"weren't","start":1040.395,"end":1040.7151,"confidence":0.9858459,"punctuated_word":"weren't","sentiment":"neutral","sentiment_score":-0.08980187028646469},{"word":"willing","start":1040.7151,"end":1041.035,"confidence":0.99977213,"punctuated_word":"willing","sentiment":"neutral","sentiment_score":-0.16722890734672546},{"word":"to","start":1041.035,"end":1041.115,"confidence":0.99915254,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1151399463415146},{"word":"offer","start":1041.115,"end":1041.315,"confidence":0.999899,"punctuated_word":"offer","sentiment":"neutral","sentiment_score":-0.0990350991487503},{"word":"a","start":1041.315,"end":1041.515,"confidence":0.9103374,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0503825880587101},{"word":"stand","start":1041.515,"end":1041.8351,"confidence":0.6632413,"punctuated_word":"stand","sentiment":"neutral","sentiment_score":-0.09300227463245392},{"word":"alone","start":1041.8351,"end":1042.235,"confidence":0.99935967,"punctuated_word":"alone","sentiment":"neutral","sentiment_score":-0.06576669216156006},{"word":"policy","start":1042.235,"end":1042.735,"confidence":0.72756445,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":-0.03813258558511734},{"word":"so","start":1042.795,"end":1043.035,"confidence":0.999185,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.035777680575847626},{"word":"we're","start":1043.035,"end":1043.275,"confidence":0.9993788,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2014656513929367},{"word":"applying","start":1043.275,"end":1043.675,"confidence":0.99972993,"punctuated_word":"applying","sentiment":"neutral","sentiment_score":0.2333461344242096},{"word":"for","start":1043.675,"end":1043.915,"confidence":0.5481356,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2623547911643982},{"word":"that","start":1043.915,"end":1044.3151,"confidence":0.99983704,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.20485663414001465},{"word":"with","start":1044.3151,"end":1044.8151,"confidence":0.99800843,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16598069667816162},{"word":"onepath","start":1045.035,"end":1045.535,"confidence":0.69634897,"punctuated_word":"OnePath,","sentiment":"neutral","sentiment_score":0.11801550537347794},{"word":"and","start":1045.675,"end":1045.8351,"confidence":0.99970895,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.24012647569179535},{"word":"it","start":1045.8351,"end":1045.995,"confidence":0.99985754,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4297045171260834},{"word":"will","start":1045.995,"end":1046.235,"confidence":0.99975604,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.3066173493862152},{"word":"be","start":1046.235,"end":1046.3151,"confidence":0.9992618,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.42391106486320496},{"word":"linked","start":1046.3151,"end":1046.795,"confidence":0.9984127,"punctuated_word":"linked","sentiment":"positive","sentiment_score":0.4065786600112915},{"word":"to","start":1046.795,"end":1046.875,"confidence":0.9946741,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.386730819940567},{"word":"your","start":1046.875,"end":1047.115,"confidence":0.9991161,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3404248356819153},{"word":"current","start":1047.115,"end":1047.515,"confidence":0.99970895,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.18402919173240664},{"word":"trauma","start":1047.515,"end":1047.915,"confidence":0.99563223,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.12688635289669037},{"word":"and","start":1047.915,"end":1048.0751,"confidence":0.9871192,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23896726965904236},{"word":"life","start":1048.0751,"end":1048.395,"confidence":0.97971123,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.21258363127708435},{"word":"policy","start":1048.395,"end":1048.875,"confidence":0.9613922,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":0.2764119505882263},{"word":"which","start":1048.875,"end":1049.115,"confidence":0.99992514,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5096346735954285},{"word":"is","start":1049.115,"end":1049.275,"confidence":0.9991234,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6330744624137878},{"word":"great","start":1049.275,"end":1049.775,"confidence":0.99564624,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.5295238494873047},{"word":"your","start":1050.4751,"end":1050.7151,"confidence":0.9754832,"punctuated_word":"Your","sentiment":"neutral","sentiment_score":0.07996147871017456},{"word":"current","start":1050.7151,"end":1051.1951,"confidence":0.9999286,"punctuated_word":"current","sentiment":"neutral","sentiment_score":0.025666356086730957},{"word":"premium","start":1051.1951,"end":1051.6951,"confidence":0.9991672,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.06654267758131027},{"word":"on","start":1051.755,"end":1051.915,"confidence":0.996797,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03142860531806946},{"word":"a","start":1051.915,"end":1052.0751,"confidence":0.9999069,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.008967611938714981},{"word":"monthly","start":1052.0751,"end":1052.4751,"confidence":0.9999224,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":-0.015322960913181303},{"word":"basis","start":1052.4751,"end":1052.875,"confidence":0.9594642,"punctuated_word":"basis,","sentiment":"neutral","sentiment_score":-0.01825862377882004},{"word":"this","start":1052.875,"end":1053.035,"confidence":0.99945635,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.015471816062927246},{"word":"is","start":1053.035,"end":1053.1951,"confidence":0.99806195,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.00838838517665863},{"word":"with","start":1053.1951,"end":1053.3551,"confidence":0.9887897,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.003719441592693329},{"word":"the","start":1053.3551,"end":1053.515,"confidence":0.99970275,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00995628535747528},{"word":"increase","start":1053.515,"end":1053.915,"confidence":0.99542516,"punctuated_word":"increase","sentiment":"neutral","sentiment_score":0.0322200208902359},{"word":"as","start":1053.915,"end":1054.0751,"confidence":0.94559044,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.007796265184879303},{"word":"it's","start":1054.0751,"end":1054.35,"confidence":0.98709214,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.02020295523107052},{"word":"just","start":1054.35,"end":1054.51,"confidence":0.99596965,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0268053337931633},{"word":"gone","start":1054.51,"end":1054.75,"confidence":0.98005396,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.0667097419500351},{"word":"through","start":1054.75,"end":1054.83,"confidence":0.992837,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.03691047430038452},{"word":"renewal","start":1054.83,"end":1055.33,"confidence":0.9661403,"punctuated_word":"renewal,","sentiment":"neutral","sentiment_score":-0.030833236873149872},{"word":"is","start":1055.95,"end":1056.27,"confidence":0.95494354,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.00784437358379364},{"word":"$36.30","start":1056.27,"end":1057.47,"confidence":0.99868363,"punctuated_word":"$36.30","sentiment":"neutral","sentiment_score":-0.00394217437133193},{"word":"on","start":1057.47,"end":1057.63,"confidence":0.9995809,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.01766660064458847},{"word":"a","start":1057.63,"end":1057.71,"confidence":0.9996778,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.027401812374591827},{"word":"monthly","start":1057.71,"end":1058.19,"confidence":0.9998708,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":-0.013140909373760223},{"word":"basis","start":1058.19,"end":1058.6699,"confidence":0.982925,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":-0.009894989430904388},{"word":"by","start":1058.6699,"end":1058.83,"confidence":0.9930815,"punctuated_word":"By","sentiment":"neutral","sentiment_score":0.010247521102428436},{"word":"adding","start":1058.83,"end":1059.23,"confidence":0.9999455,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.061763543635606766},{"word":"a","start":1059.23,"end":1059.39,"confidence":0.8331112,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0481264553964138},{"word":"child","start":1059.39,"end":1059.71,"confidence":0.9820477,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.034095678478479385},{"word":"trauma","start":1059.71,"end":1060.11,"confidence":0.99567765,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.02352593094110489},{"word":"policy","start":1060.11,"end":1060.51,"confidence":0.99977666,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.032565679401159286},{"word":"in","start":1060.51,"end":1060.75,"confidence":0.99875474,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05535407364368439},{"word":"there","start":1060.75,"end":1060.99,"confidence":0.9725778,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.05290306359529495},{"word":"for","start":1060.99,"end":1061.23,"confidence":0.98324746,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.05859047919511795},{"word":"oscar","start":1061.23,"end":1061.73,"confidence":0.8956097,"punctuated_word":"Oscar,","sentiment":"neutral","sentiment_score":0.04733990132808685},{"word":"it","start":1061.87,"end":1062.11,"confidence":0.9988668,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09684687852859496},{"word":"goes","start":1062.11,"end":1062.35,"confidence":0.99364233,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.08803631365299225},{"word":"up","start":1062.35,"end":1062.51,"confidence":0.9910649,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.0981697216629982},{"word":"by","start":1062.51,"end":1062.75,"confidence":0.9982393,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.04037287086248398},{"word":"$12","start":1062.75,"end":1063.39,"confidence":0.999893,"punctuated_word":"$12","sentiment":"neutral","sentiment_score":0.029692791402339935},{"word":"on","start":1063.39,"end":1063.5499,"confidence":0.99988484,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.026108048856258392},{"word":"a","start":1063.5499,"end":1063.63,"confidence":0.992473,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007581707090139389},{"word":"monthly","start":1063.63,"end":1064.03,"confidence":0.99987566,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.01668640971183777},{"word":"basis","start":1064.03,"end":1064.35,"confidence":0.92721176,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":-0.006492942571640015},{"word":"so","start":1064.35,"end":1064.51,"confidence":0.9997111,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.017704084515571594},{"word":"you","start":1064.51,"end":1064.6699,"confidence":0.9998085,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02869473397731781},{"word":"end","start":1064.6699,"end":1064.91,"confidence":0.9972799,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.05725155025720596},{"word":"up","start":1064.91,"end":1065.07,"confidence":0.99841416,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.039912521839141846},{"word":"paying","start":1065.07,"end":1065.3099,"confidence":0.99977523,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.02230009436607361},{"word":"about","start":1065.3099,"end":1065.63,"confidence":0.99923944,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.02695401757955551},{"word":"$48.67","start":1065.63,"end":1067.73,"confidence":0.9984523,"punctuated_word":"$48.67","sentiment":"neutral","sentiment_score":0.03639065474271774},{"word":"per","start":1067.905,"end":1068.145,"confidence":0.9992817,"punctuated_word":"per","sentiment":"neutral","sentiment_score":-0.0011880770325660706},{"word":"month","start":1068.145,"end":1068.545,"confidence":0.99971205,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.026586689054965973},{"word":"for","start":1068.545,"end":1068.785,"confidence":0.9982651,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.007806025445461273},{"word":"all","start":1068.785,"end":1069.025,"confidence":0.99982893,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.055138204246759415},{"word":"three","start":1069.025,"end":1069.425,"confidence":0.9978613,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.01747860759496689},{"word":"policies","start":1069.425,"end":1069.905,"confidence":0.99865985,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.014965154230594637},{"word":"outside","start":1069.905,"end":1070.305,"confidence":0.9855031,"punctuated_word":"outside","sentiment":"neutral","sentiment_score":0.04067586362361908},{"word":"of","start":1070.305,"end":1070.465,"confidence":0.9833235,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.013475954532623293},{"word":"pocket","start":1070.465,"end":1070.965,"confidence":0.99764997,"punctuated_word":"pocket.","sentiment":"neutral","sentiment_score":0.024229656904935837},{"word":"okay","start":1071.025,"end":1071.525,"confidence":0.9544046,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.020999984815716743},{"word":"it","start":1074.385,"end":1074.625,"confidence":0.98305833,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.00981270894408226},{"word":"is","start":1074.625,"end":1075.125,"confidence":0.9752108,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.026031307876110077},{"word":"yep","start":1076.865,"end":1077.265,"confidence":0.96867275,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08153703063726425},{"word":"yeah","start":1077.265,"end":1077.745,"confidence":0.9981526,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14559805393218994},{"word":"perfect","start":1077.745,"end":1078.245,"confidence":0.9991365,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.29771530628204346},{"word":"it","start":1079.105,"end":1079.265,"confidence":0.7843501,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.07118349522352219},{"word":"is","start":1079.265,"end":1079.505,"confidence":0.9962106,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.027676008641719815},{"word":"a","start":1079.505,"end":1079.585,"confidence":0.9835284,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05469325557351112},{"word":"set","start":1079.585,"end":1079.905,"confidence":0.6362004,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.02183997631072998},{"word":"policy","start":1079.905,"end":1080.305,"confidence":0.8874178,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":0.023941628634929657},{"word":"so","start":1080.305,"end":1080.465,"confidence":0.9933822,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.03185289353132248},{"word":"it","start":1080.465,"end":1080.625,"confidence":0.81324774,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05960257351398468},{"word":"will","start":1080.625,"end":1080.865,"confidence":0.9892491,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.04031533747911453},{"word":"continue","start":1080.865,"end":1081.1849,"confidence":0.99350727,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.08342228084802628},{"word":"to","start":1081.1849,"end":1081.38,"confidence":0.57412285,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010980591177940369},{"word":"get","start":1081.38,"end":1081.62,"confidence":0.9882427,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.0005070492625236511},{"word":"more","start":1081.62,"end":1081.78,"confidence":0.9994824,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.00980588048696518},{"word":"expensive","start":1081.78,"end":1082.18,"confidence":0.773263,"punctuated_word":"expensive,","sentiment":"neutral","sentiment_score":0.023198742419481277},{"word":"but","start":1082.18,"end":1082.34,"confidence":0.9995474,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04619286954402923},{"word":"we","start":1082.34,"end":1082.5,"confidence":0.99992764,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10227207839488985},{"word":"are","start":1082.5,"end":1082.66,"confidence":0.99972636,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1346658021211624},{"word":"able","start":1082.66,"end":1082.9,"confidence":0.99990034,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.15580064058303833},{"word":"to","start":1082.9,"end":1083.06,"confidence":0.99789196,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13964170217514038},{"word":"link","start":1083.06,"end":1083.22,"confidence":0.99991095,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.1922258585691452},{"word":"this","start":1083.22,"end":1083.46,"confidence":0.9982986,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.15565703809261322},{"word":"to","start":1083.46,"end":1083.54,"confidence":0.993435,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1882016956806183},{"word":"the","start":1083.54,"end":1083.7,"confidence":0.99831945,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12023317068815231},{"word":"other","start":1083.7,"end":1083.9401,"confidence":0.99991965,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1118842363357544},{"word":"policies","start":1083.9401,"end":1084.42,"confidence":0.91975766,"punctuated_word":"policies.","sentiment":"neutral","sentiment_score":0.08722151070833206},{"word":"so","start":1084.42,"end":1084.66,"confidence":0.9996903,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.19870352745056152},{"word":"it","start":1084.66,"end":1084.82,"confidence":0.99945384,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21338635683059692},{"word":"does","start":1084.82,"end":1085.06,"confidence":0.9996105,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.22679224610328672},{"word":"make","start":1085.06,"end":1085.22,"confidence":0.99961674,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1629749834537506},{"word":"it","start":1085.22,"end":1085.38,"confidence":0.9949031,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14705604314804077},{"word":"cheaper","start":1085.38,"end":1085.7,"confidence":0.9986052,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":0.1378004252910614},{"word":"to","start":1085.7,"end":1085.9401,"confidence":0.9997813,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1516503095626831},{"word":"link","start":1085.9401,"end":1086.18,"confidence":0.99924016,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.21268950402736664},{"word":"and","start":1086.18,"end":1086.34,"confidence":0.98585665,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18328973650932312},{"word":"add","start":1086.34,"end":1086.5,"confidence":0.9897663,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.18013952672481537},{"word":"the","start":1086.5,"end":1086.66,"confidence":0.9995047,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15982650220394137},{"word":"policy","start":1086.66,"end":1087.14,"confidence":0.9995376,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.10001036524772644},{"word":"in","start":1087.14,"end":1087.3,"confidence":0.99988806,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15126004815101624},{"word":"there","start":1087.3,"end":1087.54,"confidence":0.9991492,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.164642333984375},{"word":"for","start":1087.54,"end":1087.7,"confidence":0.9999231,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09387920051813126},{"word":"you","start":1087.7,"end":1088.2,"confidence":0.9996326,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.059659384191036224},{"word":"the","start":1088.5,"end":1088.74,"confidence":0.9634526,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.10881320387125017},{"word":"only","start":1088.74,"end":1088.98,"confidence":0.9998313,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.21584664285182953},{"word":"other","start":1088.98,"end":1089.3,"confidence":0.99895847,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.25503841042518616},{"word":"provider","start":1089.3,"end":1089.78,"confidence":0.99892646,"punctuated_word":"provider","sentiment":"neutral","sentiment_score":-0.17791904509067535},{"word":"as","start":1089.78,"end":1089.9401,"confidence":0.8865158,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.2290804088115692},{"word":"an","start":1089.9401,"end":1090.18,"confidence":0.980907,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.2387891411781311},{"word":"alternative","start":1090.18,"end":1090.66,"confidence":0.988934,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":-0.2387344241142273},{"word":"that","start":1090.66,"end":1090.82,"confidence":0.99096733,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.19144438207149503},{"word":"was","start":1090.82,"end":1091.06,"confidence":0.9973248,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.20505645871162417},{"word":"willing","start":1091.06,"end":1091.3,"confidence":0.9885936,"punctuated_word":"willing","sentiment":"neutral","sentiment_score":-0.1944326758384705},{"word":"to","start":1091.3,"end":1091.46,"confidence":0.99666226,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18657737970352173},{"word":"offer","start":1091.46,"end":1091.7,"confidence":0.999887,"punctuated_word":"offer","sentiment":"neutral","sentiment_score":-0.2085002213716507},{"word":"a","start":1091.7,"end":1091.9401,"confidence":0.99009526,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2131757140159607},{"word":"standard","start":1091.9401,"end":1092.4401,"confidence":0.9861687,"punctuated_word":"standard","sentiment":"neutral","sentiment_score":-0.1481797993183136},{"word":"a","start":1092.58,"end":1092.74,"confidence":0.46489766,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1834673285484314},{"word":"stand","start":1092.74,"end":1092.98,"confidence":0.3927993,"punctuated_word":"stand","sentiment":"neutral","sentiment_score":-0.1187618002295494},{"word":"alone","start":1092.98,"end":1093.3,"confidence":0.99856997,"punctuated_word":"alone","sentiment":"neutral","sentiment_score":-0.1561979502439499},{"word":"trauma","start":1093.3,"end":1093.7,"confidence":0.9956513,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.11276932060718536},{"word":"policy","start":1093.7,"end":1094.2,"confidence":0.9978865,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.16375359892845154},{"word":"for","start":1094.26,"end":1094.34,"confidence":0.99737453,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1066315621137619},{"word":"children","start":1094.34,"end":1094.84,"confidence":0.9996062,"punctuated_word":"children","sentiment":"neutral","sentiment_score":-0.04218921810388565},{"word":"i","start":1095.005,"end":1095.165,"confidence":0.9734257,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14428983628749847},{"word":"was","start":1095.165,"end":1095.405,"confidence":0.99283123,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.14813250303268433},{"word":"tau","start":1095.405,"end":1095.645,"confidence":0.65095806,"punctuated_word":"tau,","sentiment":"neutral","sentiment_score":-0.15050330758094788},{"word":"but","start":1095.645,"end":1095.9651,"confidence":0.9995714,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.16864129900932312},{"word":"their","start":1095.9651,"end":1096.125,"confidence":0.9337486,"punctuated_word":"their","sentiment":"negative","sentiment_score":-0.3975258469581604},{"word":"policy","start":1096.125,"end":1096.6051,"confidence":0.9997178,"punctuated_word":"policy","sentiment":"negative","sentiment_score":-0.48144063353538513},{"word":"came","start":1096.6051,"end":1096.765,"confidence":0.9997063,"punctuated_word":"came","sentiment":"negative","sentiment_score":-0.373441606760025},{"word":"out","start":1096.765,"end":1097.005,"confidence":0.9688757,"punctuated_word":"out","sentiment":"negative","sentiment_score":-0.34208664298057556},{"word":"a","start":1097.005,"end":1097.0851,"confidence":0.9994537,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3264812231063843},{"word":"little","start":1097.0851,"end":1097.245,"confidence":0.99981624,"punctuated_word":"little","sentiment":"negative","sentiment_score":-0.34294554591178894},{"word":"bit","start":1097.245,"end":1097.405,"confidence":0.9988625,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3484210669994354},{"word":"more","start":1097.405,"end":1097.645,"confidence":0.99920756,"punctuated_word":"more","sentiment":"negative","sentiment_score":-0.33641958236694336},{"word":"expensive","start":1097.645,"end":1098.045,"confidence":0.9966603,"punctuated_word":"expensive.","sentiment":"negative","sentiment_score":-0.3375258445739746},{"word":"it","start":1098.045,"end":1098.2051,"confidence":0.9987086,"punctuated_word":"It","sentiment":"negative","sentiment_score":-0.3657314479351044},{"word":"was","start":1098.2051,"end":1098.365,"confidence":0.9998869,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.38090649247169495},{"word":"a","start":1098.365,"end":1098.4451,"confidence":0.99942577,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.366254061460495},{"word":"bit","start":1098.4451,"end":1098.6051,"confidence":0.99944097,"punctuated_word":"bit","sentiment":"negative","sentiment_score":-0.3646707832813263},{"word":"over","start":1098.6051,"end":1098.8451,"confidence":0.9942964,"punctuated_word":"over","sentiment":"negative","sentiment_score":-0.3491947054862976},{"word":"$13","start":1098.8451,"end":1099.4851,"confidence":0.9728782,"punctuated_word":"$13","sentiment":"neutral","sentiment_score":-0.3224429488182068},{"word":"on","start":1099.4851,"end":1099.645,"confidence":0.997821,"punctuated_word":"on","sentiment":"negative","sentiment_score":-0.3353581726551056},{"word":"a","start":1099.645,"end":1099.7251,"confidence":0.99585646,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.32509928941726685},{"word":"monthly","start":1099.7251,"end":1100.125,"confidence":0.99975103,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":-0.25833672285079956},{"word":"basis","start":1100.125,"end":1100.625,"confidence":0.9707513,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":-0.24882708489894867},{"word":"so","start":1100.685,"end":1101.185,"confidence":0.9994241,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.1929313689470291},{"word":"in","start":1101.245,"end":1101.405,"confidence":0.9940001,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.21993742883205417},{"word":"the","start":1101.405,"end":1101.5651,"confidence":0.99992347,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1832999736070633},{"word":"interest","start":1101.5651,"end":1102.045,"confidence":0.99791497,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":-0.16141244769096377},{"word":"of","start":1102.045,"end":1102.285,"confidence":0.99963593,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.18070870637893677},{"word":"making","start":1102.285,"end":1102.685,"confidence":0.99988043,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.2130359262228012},{"word":"sure","start":1102.685,"end":1102.925,"confidence":0.99988234,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.19476401805877688},{"word":"it's","start":1102.925,"end":1103.0851,"confidence":0.97887707,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.20514068007469177},{"word":"more","start":1103.0851,"end":1103.245,"confidence":0.99831414,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.17106002569198608},{"word":"cost","start":1103.245,"end":1103.4851,"confidence":0.9984549,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.12308245897293092},{"word":"effective","start":1103.4851,"end":1103.885,"confidence":0.9615344,"punctuated_word":"effective,","sentiment":"neutral","sentiment_score":-0.16663208603858948},{"word":"it","start":1103.885,"end":1103.9651,"confidence":0.40361515,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.26995164155960083},{"word":"went","start":1103.9651,"end":1104.2051,"confidence":0.99790394,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.21942302584648132},{"word":"with","start":1104.2051,"end":1104.285,"confidence":0.9991604,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.25697097182273865},{"word":"a","start":1104.285,"end":1104.4451,"confidence":0.6573083,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3021206259727478},{"word":"cheaper","start":1104.4451,"end":1104.765,"confidence":0.97686017,"punctuated_word":"cheaper","sentiment":"neutral","sentiment_score":-0.1413467526435852},{"word":"policy","start":1104.765,"end":1105.165,"confidence":0.86440206,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":-0.24595153331756592},{"word":"which","start":1105.165,"end":1105.405,"confidence":0.9947923,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.23612050712108612},{"word":"is","start":1105.405,"end":1105.5651,"confidence":0.99536455,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.20295438170433044},{"word":"one","start":1105.5651,"end":1105.805,"confidence":0.8907351,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.23599225282669067},{"word":"pass","start":1105.805,"end":1106.2051,"confidence":0.61514175,"punctuated_word":"pass.","sentiment":"neutral","sentiment_score":-0.07538720965385437},{"word":"linking","start":1106.2051,"end":1106.525,"confidence":0.9745817,"punctuated_word":"Linking","sentiment":"positive","sentiment_score":0.4334748387336731},{"word":"it","start":1106.525,"end":1106.685,"confidence":0.98857224,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.35674503445625305},{"word":"to","start":1106.685,"end":1106.8451,"confidence":0.9938415,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.47811299562454224},{"word":"your","start":1106.8451,"end":1107.0851,"confidence":0.99896586,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.43181636929512024},{"word":"current","start":1107.0851,"end":1107.405,"confidence":0.9984548,"punctuated_word":"current","sentiment":"positive","sentiment_score":0.4197289943695069},{"word":"policies","start":1107.405,"end":1107.885,"confidence":0.8837981,"punctuated_word":"policies","sentiment":"positive","sentiment_score":0.35676485300064087},{"word":"means","start":1107.885,"end":1108.125,"confidence":0.98991126,"punctuated_word":"means","sentiment":"positive","sentiment_score":0.37214604020118713},{"word":"that","start":1108.125,"end":1108.285,"confidence":0.8996157,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.43083444237709045},{"word":"you","start":1108.285,"end":1108.4451,"confidence":0.99919766,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4254694879055023},{"word":"keep","start":1108.4451,"end":1108.685,"confidence":0.99866223,"punctuated_word":"keep","sentiment":"positive","sentiment_score":0.4288017749786377},{"word":"everything","start":1108.685,"end":1109.185,"confidence":0.9998697,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.45052260160446167},{"word":"together","start":1109.245,"end":1109.745,"confidence":0.92085385,"punctuated_word":"together.","sentiment":"positive","sentiment_score":0.33460307121276855},{"word":"and","start":1110.8099,"end":1111.0499,"confidence":0.9814994,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.194500133395195},{"word":"i've","start":1111.0499,"end":1111.37,"confidence":0.99976754,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.28000032901763916},{"word":"even","start":1111.37,"end":1111.61,"confidence":0.99994826,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.20781800150871277},{"word":"got","start":1111.61,"end":1111.77,"confidence":0.9996613,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.30658820271492004},{"word":"a","start":1111.77,"end":1111.9299,"confidence":0.9993511,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.3022345304489136},{"word":"copy","start":1111.9299,"end":1112.33,"confidence":0.9999684,"punctuated_word":"copy","sentiment":"neutral","sentiment_score":0.2617948353290558},{"word":"of","start":1112.33,"end":1112.57,"confidence":0.9997458,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2786070704460144},{"word":"the","start":1112.57,"end":1112.73,"confidence":0.99938524,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2518343925476074},{"word":"i","start":1112.97,"end":1113.13,"confidence":0.9998093,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2345324009656906},{"word":"had","start":1113.13,"end":1113.2899,"confidence":0.99925584,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.1994493156671524},{"word":"a","start":1113.2899,"end":1113.37,"confidence":0.88226736,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2385917752981186},{"word":"look","start":1113.37,"end":1113.69,"confidence":0.9993217,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.18325722217559817},{"word":"at","start":1113.69,"end":1113.85,"confidence":0.9971923,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.24587282538414},{"word":"the","start":1113.85,"end":1114.1699,"confidence":0.99888915,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2475191056728363},{"word":"application","start":1114.1699,"end":1114.6699,"confidence":0.9996252,"punctuated_word":"application","sentiment":"neutral","sentiment_score":0.1502055674791336},{"word":"form","start":1114.73,"end":1114.97,"confidence":0.9937806,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":0.15533006191253662},{"word":"there's","start":1114.97,"end":1115.21,"confidence":0.9988153,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.14040960371494293},{"word":"only","start":1115.21,"end":1115.5299,"confidence":0.99578923,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.12014210224151611},{"word":"a","start":1115.5299,"end":1115.61,"confidence":0.99871933,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1308927983045578},{"word":"couple","start":1115.61,"end":1115.85,"confidence":0.9998542,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.08897358179092407},{"word":"of","start":1115.85,"end":1116.01,"confidence":0.99734616,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09088613837957382},{"word":"questions","start":1116.01,"end":1116.4099,"confidence":0.98891085,"punctuated_word":"questions.","sentiment":"neutral","sentiment_score":0.08179855346679688},{"word":"they","start":1116.4099,"end":1116.57,"confidence":0.99460715,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.07733044773340225},{"word":"do","start":1116.57,"end":1116.73,"confidence":0.9998324,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06279738992452621},{"word":"ask","start":1116.73,"end":1116.97,"confidence":0.9991928,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.07273152470588684},{"word":"a","start":1116.97,"end":1117.13,"confidence":0.99377763,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07062812894582748},{"word":"few","start":1117.13,"end":1117.2899,"confidence":0.99972624,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.056142497807741165},{"word":"questions","start":1117.2899,"end":1117.69,"confidence":0.9986083,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.062256596982479095},{"word":"about","start":1117.69,"end":1117.9299,"confidence":0.99976283,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04384355992078781},{"word":"family","start":1117.9299,"end":1118.33,"confidence":0.9997677,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.0332760289311409},{"word":"history","start":1118.33,"end":1118.83,"confidence":0.9816822,"punctuated_word":"history,","sentiment":"neutral","sentiment_score":0.04158131778240204},{"word":"but","start":1118.97,"end":1119.21,"confidence":0.9996511,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.048567574471235275},{"word":"they're","start":1119.21,"end":1119.37,"confidence":0.9940057,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.07510119676589966},{"word":"mainly","start":1119.37,"end":1119.69,"confidence":0.99902236,"punctuated_word":"mainly","sentiment":"neutral","sentiment_score":0.08265303075313568},{"word":"just","start":1119.69,"end":1119.9299,"confidence":0.9990146,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08077166229486465},{"word":"asking","start":1119.9299,"end":1120.25,"confidence":0.999838,"punctuated_word":"asking","sentiment":"neutral","sentiment_score":0.07265494763851166},{"word":"to","start":1120.25,"end":1120.4099,"confidence":0.9993475,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06816455721855164},{"word":"make","start":1120.4099,"end":1120.57,"confidence":0.9997873,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.06341930478811264},{"word":"sure","start":1120.57,"end":1120.73,"confidence":0.9994535,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.06878608465194702},{"word":"that","start":1120.73,"end":1120.89,"confidence":0.98765403,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08463577181100845},{"word":"oscar","start":1120.89,"end":1121.21,"confidence":0.99134433,"punctuated_word":"Oscar","sentiment":"neutral","sentiment_score":0.0694056898355484},{"word":"hasn't","start":1121.21,"end":1121.5299,"confidence":0.99977124,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":0.05524201691150665},{"word":"had","start":1121.5299,"end":1121.69,"confidence":0.99938023,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.041939876973629},{"word":"any","start":1121.69,"end":1121.9299,"confidence":0.99952424,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.02475709095597267},{"word":"major","start":1121.9299,"end":1122.33,"confidence":0.9990107,"punctuated_word":"major","sentiment":"neutral","sentiment_score":-0.059748902916908264},{"word":"traumatic","start":1122.33,"end":1122.83,"confidence":0.9921278,"punctuated_word":"traumatic","sentiment":"neutral","sentiment_score":-0.024586951360106468},{"word":"diagnosis","start":1122.89,"end":1123.39,"confidence":0.7245035,"punctuated_word":"diagnosis","sentiment":"neutral","sentiment_score":0.012783452868461607},{"word":"since","start":1123.61,"end":1123.9299,"confidence":0.98575854,"punctuated_word":"since","sentiment":"neutral","sentiment_score":0.03861434385180473},{"word":"he","start":1123.9299,"end":1124.1699,"confidence":0.9558531,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.04380561783909798},{"word":"was","start":1124.1699,"end":1124.33,"confidence":0.9996408,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.05181549862027168},{"word":"born","start":1124.33,"end":1124.83,"confidence":0.8175453,"punctuated_word":"born.","sentiment":"neutral","sentiment_score":0.02892313152551651},{"word":"and","start":1125.4349,"end":1125.515,"confidence":0.977112,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03873046487569809},{"word":"there's","start":1125.515,"end":1125.9149,"confidence":0.99979484,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.029241319745779037},{"word":"no","start":1125.9149,"end":1126.235,"confidence":0.99983966,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.021841835230588913},{"word":"real","start":1126.235,"end":1126.5549,"confidence":0.99922574,"punctuated_word":"real","sentiment":"neutral","sentiment_score":-0.05215105414390564},{"word":"major","start":1126.5549,"end":1126.955,"confidence":0.99912256,"punctuated_word":"major","sentiment":"neutral","sentiment_score":-0.1206522136926651},{"word":"underwriting","start":1126.955,"end":1127.455,"confidence":0.9992069,"punctuated_word":"underwriting","sentiment":"neutral","sentiment_score":-0.05263729393482208},{"word":"to","start":1127.595,"end":1127.835,"confidence":0.95390064,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.0067869871854782104},{"word":"it","start":1127.835,"end":1127.995,"confidence":0.92445886,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.03637691214680672},{"word":"which","start":1127.995,"end":1128.1549,"confidence":0.999938,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.08921931684017181},{"word":"is","start":1128.1549,"end":1128.315,"confidence":0.99974245,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.07197871059179306},{"word":"really","start":1128.315,"end":1128.635,"confidence":0.9998981,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.11046236753463744},{"word":"important","start":1128.635,"end":1129.135,"confidence":0.99659747,"punctuated_word":"important.","sentiment":"neutral","sentiment_score":0.05610126256942749},{"word":"as","start":1130.315,"end":1130.815,"confidence":0.7834169,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.07855138927698135},{"word":"an","start":1130.875,"end":1131.2749,"confidence":0.9996092,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.07996979355812073},{"word":"alternative","start":1131.2749,"end":1131.7749,"confidence":0.99864554,"punctuated_word":"alternative,","sentiment":"neutral","sentiment_score":0.06805846840143204},{"word":"i","start":1131.995,"end":1132.1549,"confidence":0.9999043,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14352621138095856},{"word":"did","start":1132.1549,"end":1132.3949,"confidence":0.9996811,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.17030693590641022},{"word":"also","start":1132.3949,"end":1132.715,"confidence":0.99961156,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.12768138945102692},{"word":"go","start":1132.715,"end":1132.955,"confidence":0.9998043,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1565592885017395},{"word":"and","start":1132.955,"end":1133.0349,"confidence":0.9991387,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11413492262363434},{"word":"have","start":1133.0349,"end":1133.2749,"confidence":0.99988794,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12380416691303252},{"word":"a","start":1133.2749,"end":1133.355,"confidence":0.99945754,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1230504959821701},{"word":"look","start":1133.355,"end":1133.6749,"confidence":0.9998946,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.0911957547068596},{"word":"at","start":1133.6749,"end":1133.9149,"confidence":0.99983525,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1302449256181717},{"word":"structuring","start":1133.9149,"end":1134.3949,"confidence":0.99986124,"punctuated_word":"structuring","sentiment":"neutral","sentiment_score":0.12128421664237976},{"word":"it","start":1134.3949,"end":1134.635,"confidence":0.90579283,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.1279124617576599},{"word":"looking","start":1134.635,"end":1134.875,"confidence":0.9994973,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1239706203341484},{"word":"at","start":1134.875,"end":1135.115,"confidence":0.99946994,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.11652170121669768},{"word":"life","start":1135.115,"end":1135.355,"confidence":0.97495323,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.12080134451389311},{"word":"trauma","start":1135.355,"end":1135.755,"confidence":0.9967931,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.07696658372879028},{"word":"and","start":1135.755,"end":1135.995,"confidence":0.87735337,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.12338629364967346},{"word":"child","start":1135.995,"end":1136.315,"confidence":0.9936871,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.08786501735448837},{"word":"trauma","start":1136.315,"end":1136.715,"confidence":0.9995517,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.08598682284355164},{"word":"as","start":1136.715,"end":1136.875,"confidence":0.9897962,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13147315382957458},{"word":"a","start":1136.875,"end":1137.0349,"confidence":0.8110903,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14986784756183624},{"word":"combined","start":1137.0349,"end":1137.4349,"confidence":0.97784984,"punctuated_word":"combined","sentiment":"neutral","sentiment_score":0.1597961783409119},{"word":"with","start":1137.4349,"end":1137.595,"confidence":0.9963588,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.16168197989463806},{"word":"other","start":1137.595,"end":1137.9149,"confidence":0.9994425,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.13906484842300415},{"word":"providers","start":1137.9149,"end":1138.4149,"confidence":0.9434229,"punctuated_word":"providers,","sentiment":"neutral","sentiment_score":0.08994542807340622},{"word":"but","start":1138.475,"end":1138.89,"confidence":0.9993793,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.23349568247795105},{"word":"it","start":1138.97,"end":1139.13,"confidence":0.9997204,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.29306021332740784},{"word":"honestly","start":1139.13,"end":1139.53,"confidence":0.99075425,"punctuated_word":"honestly","sentiment":"positive","sentiment_score":0.4078225791454315},{"word":"does","start":1139.53,"end":1139.85,"confidence":0.99915636,"punctuated_word":"does","sentiment":"positive","sentiment_score":0.35478031635284424},{"word":"work","start":1139.85,"end":1140.09,"confidence":0.99394107,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.4011322259902954},{"word":"out","start":1140.09,"end":1140.25,"confidence":0.9951196,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.437260389328003},{"word":"cheaper","start":1140.25,"end":1140.65,"confidence":0.9327145,"punctuated_word":"cheaper","sentiment":"positive","sentiment_score":0.3513246178627014},{"word":"to","start":1140.65,"end":1140.73,"confidence":0.9981622,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.29810893535614014},{"word":"stay","start":1140.73,"end":1141.05,"confidence":0.9972197,"punctuated_word":"stay","sentiment":"neutral","sentiment_score":0.29013144969940186},{"word":"with","start":1141.05,"end":1141.21,"confidence":0.99907565,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3812117874622345},{"word":"onepath","start":1141.21,"end":1141.71,"confidence":0.91066104,"punctuated_word":"OnePath.","sentiment":"neutral","sentiment_score":0.2737075090408325},{"word":"you've","start":1141.85,"end":1142.01,"confidence":0.99572664,"punctuated_word":"You've","sentiment":"positive","sentiment_score":0.4601651430130005},{"word":"got","start":1142.01,"end":1142.17,"confidence":0.9998135,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.43795111775398254},{"word":"the","start":1142.17,"end":1142.33,"confidence":0.9992111,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.44452521204948425},{"word":"multi","start":1142.33,"end":1142.65,"confidence":0.9142639,"punctuated_word":"multi","sentiment":"positive","sentiment_score":0.4345879554748535},{"word":"policy","start":1142.65,"end":1143.15,"confidence":0.9944141,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.3003810942173004},{"word":"discount","start":1143.21,"end":1143.61,"confidence":0.99842703,"punctuated_word":"discount","sentiment":"positive","sentiment_score":0.3828774988651275},{"word":"there","start":1143.61,"end":1144.01,"confidence":0.9840003,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.36901164054870605},{"word":"onepath","start":1144.01,"end":1144.49,"confidence":0.9994438,"punctuated_word":"OnePath","sentiment":"positive","sentiment_score":0.4860726296901703},{"word":"is","start":1144.49,"end":1144.65,"confidence":0.9979997,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.5659483671188354},{"word":"still","start":1144.65,"end":1144.89,"confidence":0.99964094,"punctuated_word":"still","sentiment":"positive","sentiment_score":0.5634256601333618},{"word":"the","start":1144.89,"end":1145.05,"confidence":0.998461,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.48778676986694336},{"word":"best","start":1145.05,"end":1145.29,"confidence":0.99990344,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.4037162661552429},{"word":"provider","start":1145.29,"end":1145.79,"confidence":0.86581826,"punctuated_word":"provider,","sentiment":"positive","sentiment_score":0.42431873083114624},{"word":"and","start":1146.01,"end":1146.25,"confidence":0.99967384,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4758419394493103},{"word":"linking","start":1146.25,"end":1146.5701,"confidence":0.9980281,"punctuated_word":"linking","sentiment":"positive","sentiment_score":0.5170527696609497},{"word":"it","start":1146.5701,"end":1146.73,"confidence":0.99797064,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5046355724334717},{"word":"to","start":1146.73,"end":1146.89,"confidence":0.99870527,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5155749917030334},{"word":"your","start":1146.89,"end":1147.05,"confidence":0.98805076,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5282034873962402},{"word":"currently","start":1147.05,"end":1147.53,"confidence":0.972647,"punctuated_word":"currently","sentiment":"positive","sentiment_score":0.4178134500980377},{"word":"current","start":1147.6901,"end":1147.93,"confidence":0.99492234,"punctuated_word":"current","sentiment":"positive","sentiment_score":0.4175222516059875},{"word":"policy","start":1147.93,"end":1148.41,"confidence":0.9998652,"punctuated_word":"policy","sentiment":"positive","sentiment_score":0.349872887134552},{"word":"made","start":1148.41,"end":1148.5701,"confidence":0.9972217,"punctuated_word":"made","sentiment":"positive","sentiment_score":0.3787011802196502},{"word":"it","start":1148.5701,"end":1148.73,"confidence":0.9931601,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.40420836210250854},{"word":"more","start":1148.73,"end":1148.97,"confidence":0.99966097,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.31040242314338684},{"word":"cost","start":1148.97,"end":1149.21,"confidence":0.99912935,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.3304511308670044},{"word":"effective","start":1149.21,"end":1149.71,"confidence":0.9995499,"punctuated_word":"effective","sentiment":"positive","sentiment_score":0.34684205055236816},{"word":"for","start":1149.77,"end":1150.01,"confidence":0.99983215,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3734912872314453},{"word":"you","start":1150.01,"end":1150.25,"confidence":0.9757215,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.32278305292129517},{"word":"so","start":1150.25,"end":1150.49,"confidence":0.9992754,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10765893757343292},{"word":"that's","start":1150.49,"end":1150.73,"confidence":0.992509,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.09178872406482697},{"word":"the","start":1150.73,"end":1150.89,"confidence":0.9934668,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05382326990365982},{"word":"recommendation","start":1150.89,"end":1151.39,"confidence":0.99911994,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.0924886018037796},{"word":"for","start":1151.6901,"end":1151.85,"confidence":0.996182,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07642940431833267},{"word":"that","start":1151.85,"end":1152.01,"confidence":0.9998141,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10284915566444396},{"word":"one","start":1152.01,"end":1152.51,"confidence":0.9993903,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.10433320701122284},{"word":"yeah","start":1152.5701,"end":1153.0701,"confidence":0.98503613,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05393869429826737},{"word":"yeah","start":1157.505,"end":1158.005,"confidence":0.9955423,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.015960898250341415},{"word":"yep","start":1158.145,"end":1158.645,"confidence":0.9277363,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02452903985977173},{"word":"yeah","start":1165.185,"end":1165.59,"confidence":0.68413544,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09431548416614532},{"word":"absolutely","start":1165.75,"end":1166.15,"confidence":0.99712193,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.16974535584449768},{"word":"it","start":1166.15,"end":1166.47,"confidence":0.99939346,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.09977804124355316},{"word":"is","start":1166.47,"end":1166.5499,"confidence":0.99976057,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0983416587114334},{"word":"always","start":1166.5499,"end":1166.7899,"confidence":0.99961096,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.15729819238185885},{"word":"better","start":1166.7899,"end":1167.11,"confidence":0.9880023,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.0770580992102623},{"word":"to","start":1167.11,"end":1167.19,"confidence":0.99353373,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05361374467611313},{"word":"get","start":1167.19,"end":1167.4299,"confidence":0.9998777,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.05695073679089546},{"word":"the","start":1167.4299,"end":1167.51,"confidence":0.9991054,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0293872132897377},{"word":"policies","start":1167.51,"end":1168.01,"confidence":0.9984712,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.02390260249376297},{"word":"earlier","start":1168.15,"end":1168.65,"confidence":0.9962919,"punctuated_word":"earlier","sentiment":"neutral","sentiment_score":0.05585986748337746},{"word":"than","start":1168.71,"end":1168.95,"confidence":0.99498737,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.05454111844301224},{"word":"it","start":1168.95,"end":1169.11,"confidence":0.997615,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0605013482272625},{"word":"is","start":1169.11,"end":1169.35,"confidence":0.99950826,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08592121303081512},{"word":"later","start":1169.35,"end":1169.85,"confidence":0.99933445,"punctuated_word":"later.","sentiment":"neutral","sentiment_score":0.0857408195734024},{"word":"i","start":1170.39,"end":1170.47,"confidence":0.7031606,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.037387266755104065},{"word":"mean","start":1170.47,"end":1170.7899,"confidence":0.99626344,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.03445085138082504},{"word":"he's","start":1170.7899,"end":1171.19,"confidence":0.9913938,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.18861433863639832},{"word":"he's","start":1171.19,"end":1171.4299,"confidence":0.99922824,"punctuated_word":"he's","sentiment":"positive","sentiment_score":0.3384398818016052},{"word":"nice","start":1171.4299,"end":1171.6699,"confidence":0.9989937,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.48417872190475464},{"word":"and","start":1171.6699,"end":1171.9099,"confidence":0.9978497,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4971014261245727},{"word":"healthy","start":1171.9099,"end":1172.39,"confidence":0.83840716,"punctuated_word":"healthy,","sentiment":"positive","sentiment_score":0.3806565999984741},{"word":"and","start":1172.39,"end":1172.63,"confidence":0.99976665,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4183497428894043},{"word":"you","start":1172.63,"end":1172.7899,"confidence":0.805845,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5477898120880127},{"word":"look","start":1172.7899,"end":1173.0299,"confidence":0.8597246,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.6202071905136108},{"word":"great","start":1173.0299,"end":1173.35,"confidence":0.89189535,"punctuated_word":"great,","sentiment":"positive","sentiment_score":0.4829481244087219},{"word":"and","start":1173.35,"end":1173.51,"confidence":0.999826,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.297536700963974},{"word":"he","start":1173.51,"end":1173.6699,"confidence":0.9813038,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.31649208068847656},{"word":"should","start":1173.6699,"end":1173.83,"confidence":0.99962544,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.2618483304977417},{"word":"not","start":1173.83,"end":1174.07,"confidence":0.9998692,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.10302227735519408},{"word":"have","start":1174.07,"end":1174.3099,"confidence":0.9999392,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1485557109117508},{"word":"anything","start":1174.3099,"end":1174.71,"confidence":0.99991286,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.028510063886642456},{"word":"over","start":1174.71,"end":1174.95,"confidence":0.99957794,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.06334530562162399},{"word":"the","start":1174.95,"end":1175.0299,"confidence":0.99976355,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07281477004289627},{"word":"next","start":1175.0299,"end":1175.27,"confidence":0.9998196,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.04282437264919281},{"word":"couple","start":1175.27,"end":1175.59,"confidence":0.99968874,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.035436347126960754},{"word":"of","start":1175.59,"end":1175.6699,"confidence":0.95031726,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10299495607614516},{"word":"years","start":1175.6699,"end":1175.99,"confidence":0.999529,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":0.10856547951698305},{"word":"however","start":1175.99,"end":1176.39,"confidence":0.9995041,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.11974229663610458},{"word":"if","start":1176.39,"end":1176.63,"confidence":0.99977213,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2056480348110199},{"word":"anything","start":1176.63,"end":1177.0299,"confidence":0.99989545,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.28053146600723267},{"word":"did","start":1177.0299,"end":1177.35,"confidence":0.9964941,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.20927096903324127},{"word":"arise","start":1177.35,"end":1177.83,"confidence":0.993185,"punctuated_word":"arise","sentiment":"neutral","sentiment_score":-0.3046533465385437},{"word":"making","start":1177.83,"end":1178.33,"confidence":0.7850002,"punctuated_word":"making,","sentiment":"neutral","sentiment_score":-0.31678253412246704},{"word":"you","start":1178.845,"end":1178.9249,"confidence":0.97857416,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.3277975618839264},{"word":"know","start":1178.9249,"end":1179.005,"confidence":0.99979407,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.2845948040485382},{"word":"even","start":1179.1649,"end":1179.4049,"confidence":0.996831,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.2408106625080109},{"word":"on","start":1179.4049,"end":1179.6449,"confidence":0.99543685,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2981487512588501},{"word":"child","start":1179.6449,"end":1179.965,"confidence":0.9757431,"punctuated_word":"child","sentiment":"neutral","sentiment_score":-0.28721338510513306},{"word":"policy","start":1179.965,"end":1180.2849,"confidence":0.72469103,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":-0.2986986041069031},{"word":"if","start":1180.2849,"end":1180.445,"confidence":0.9102269,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.2837975323200226},{"word":"something","start":1180.445,"end":1180.6849,"confidence":0.9929765,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.31890279054641724},{"word":"did","start":1180.6849,"end":1181.005,"confidence":0.99261415,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.2110450267791748},{"word":"arise","start":1181.005,"end":1181.245,"confidence":0.9860509,"punctuated_word":"arise","sentiment":"neutral","sentiment_score":-0.3242183029651642},{"word":"down","start":1181.245,"end":1181.485,"confidence":0.9985453,"punctuated_word":"down","sentiment":"negative","sentiment_score":-0.3442724645137787},{"word":"the","start":1181.485,"end":1181.6449,"confidence":0.9990988,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3510860204696655},{"word":"track","start":1181.6449,"end":1181.8849,"confidence":0.9908805,"punctuated_word":"track,","sentiment":"neutral","sentiment_score":-0.28829309344291687},{"word":"it","start":1181.8849,"end":1181.965,"confidence":0.9959007,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.37183472514152527},{"word":"can","start":1181.965,"end":1182.205,"confidence":0.9998814,"punctuated_word":"can","sentiment":"negative","sentiment_score":-0.3524557650089264},{"word":"make","start":1182.205,"end":1182.6849,"confidence":0.99930906,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.3295488953590393},{"word":"the","start":1182.6849,"end":1182.9249,"confidence":0.99049276,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3417048156261444},{"word":"policies","start":1182.9249,"end":1183.4249,"confidence":0.930262,"punctuated_word":"policies","sentiment":"negative","sentiment_score":-0.3528970777988434},{"word":"more","start":1183.485,"end":1183.8049,"confidence":0.99858534,"punctuated_word":"more","sentiment":"negative","sentiment_score":-0.36264127492904663},{"word":"expensive","start":1183.8049,"end":1184.2849,"confidence":0.9706404,"punctuated_word":"expensive.","sentiment":"neutral","sentiment_score":-0.2981049418449402},{"word":"you","start":1184.2849,"end":1184.445,"confidence":0.9618805,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.2516767382621765},{"word":"can","start":1184.445,"end":1184.6849,"confidence":0.99392974,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.23566478490829468},{"word":"have","start":1184.6849,"end":1184.9249,"confidence":0.9440645,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.24056632816791537},{"word":"exclusions","start":1184.9249,"end":1185.4249,"confidence":0.9913668,"punctuated_word":"exclusions","sentiment":"neutral","sentiment_score":-0.2923034429550171},{"word":"like","start":1185.565,"end":1185.8049,"confidence":0.9565915,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.3799671232700348},{"word":"what","start":1185.8049,"end":1185.965,"confidence":0.99877495,"punctuated_word":"what","sentiment":"negative","sentiment_score":-0.3970542550086975},{"word":"you've","start":1185.965,"end":1186.125,"confidence":0.99722946,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.29136091470718384},{"word":"got","start":1186.125,"end":1186.365,"confidence":0.9986217,"punctuated_word":"got","sentiment":"negative","sentiment_score":-0.337289422750473},{"word":"at","start":1186.365,"end":1186.5249,"confidence":0.99966645,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.34906986355781555},{"word":"the","start":1186.5249,"end":1186.605,"confidence":0.999491,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.29653874039649963},{"word":"moment","start":1186.605,"end":1187.085,"confidence":0.89112884,"punctuated_word":"moment.","sentiment":"neutral","sentiment_score":-0.2532183825969696},{"word":"so","start":1187.085,"end":1187.585,"confidence":0.9994979,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.10016657412052156},{"word":"doing","start":1187.6449,"end":1187.8049,"confidence":0.9993673,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.1561354547739029},{"word":"that","start":1187.8049,"end":1188.0449,"confidence":0.99985766,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08903169631958008},{"word":"now","start":1188.0449,"end":1188.365,"confidence":0.99986994,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.18747474253177643},{"word":"is","start":1188.365,"end":1188.605,"confidence":0.9967693,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03481651842594147},{"word":"much","start":1188.605,"end":1188.845,"confidence":0.9998914,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.05309554934501648},{"word":"better","start":1188.845,"end":1189.1649,"confidence":0.9996592,"punctuated_word":"better","sentiment":"neutral","sentiment_score":-0.04199397563934326},{"word":"for","start":1189.1649,"end":1189.4049,"confidence":0.99987054,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.007052943110466003},{"word":"him","start":1189.4049,"end":1189.9049,"confidence":0.999828,"punctuated_word":"him.","sentiment":"neutral","sentiment_score":0.038792070001363754},{"word":"the","start":1190.2849,"end":1190.445,"confidence":0.90976506,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.186721533536911},{"word":"benefits","start":1190.445,"end":1190.945,"confidence":0.98701143,"punctuated_word":"benefits","sentiment":"positive","sentiment_score":0.33686524629592896},{"word":"of","start":1191.085,"end":1191.325,"confidence":0.9967193,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.35583555698394775},{"word":"having","start":1191.325,"end":1191.6449,"confidence":0.99984217,"punctuated_word":"having","sentiment":"positive","sentiment_score":0.3691969215869904},{"word":"a","start":1191.6449,"end":1191.725,"confidence":0.9306789,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35400986671447754},{"word":"policy","start":1191.725,"end":1192.205,"confidence":0.99959546,"punctuated_word":"policy","sentiment":"positive","sentiment_score":0.3741254508495331},{"word":"is","start":1192.205,"end":1192.365,"confidence":0.69817996,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.3216013014316559},{"word":"we","start":1192.365,"end":1192.445,"confidence":0.9609381,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4402129650115967},{"word":"can","start":1192.445,"end":1192.605,"confidence":0.9996685,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.392111599445343},{"word":"link","start":1192.605,"end":1192.845,"confidence":0.99926287,"punctuated_word":"link","sentiment":"positive","sentiment_score":0.346952348947525},{"word":"it","start":1192.845,"end":1193.01,"confidence":0.8134575,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3000904321670532},{"word":"to","start":1193.01,"end":1193.25,"confidence":0.99872416,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3090324401855469},{"word":"your","start":1193.25,"end":1193.41,"confidence":0.9963642,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2796367406845093},{"word":"one","start":1193.41,"end":1193.73,"confidence":0.7019079,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.24154427647590637},{"word":"pass","start":1193.73,"end":1193.97,"confidence":0.7706475,"punctuated_word":"pass.","sentiment":"neutral","sentiment_score":0.2992045283317566},{"word":"it","start":1193.97,"end":1194.13,"confidence":0.9985404,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.30606597661972046},{"word":"is","start":1194.13,"end":1194.29,"confidence":0.99983454,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2805463671684265},{"word":"more","start":1194.29,"end":1194.53,"confidence":0.9996617,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.2203405201435089},{"word":"cost","start":1194.53,"end":1194.85,"confidence":0.9992536,"punctuated_word":"cost","sentiment":"positive","sentiment_score":0.3642141222953797},{"word":"effective","start":1194.85,"end":1195.33,"confidence":0.99907035,"punctuated_word":"effective","sentiment":"positive","sentiment_score":0.34156811237335205},{"word":"for","start":1195.33,"end":1195.49,"confidence":0.9998288,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.340027779340744},{"word":"you","start":1195.49,"end":1195.99,"confidence":0.96861845,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.289956271648407},{"word":"but","start":1196.37,"end":1196.53,"confidence":0.9487198,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2754165232181549},{"word":"i","start":1196.53,"end":1196.61,"confidence":0.9998468,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5735711455345154},{"word":"had","start":1196.61,"end":1196.77,"confidence":0.99008876,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.6204901337623596},{"word":"a","start":1196.77,"end":1196.93,"confidence":0.9940824,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6183736324310303},{"word":"really","start":1196.93,"end":1197.09,"confidence":0.99904317,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6522136926651001},{"word":"good","start":1197.09,"end":1197.25,"confidence":0.9988164,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6106760501861572},{"word":"look","start":1197.25,"end":1197.41,"confidence":0.99925464,"punctuated_word":"look","sentiment":"positive","sentiment_score":0.6392727494239807},{"word":"at","start":1197.41,"end":1197.5701,"confidence":0.99182713,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.6780204772949219},{"word":"what","start":1197.5701,"end":1197.73,"confidence":0.999185,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.5811042189598083},{"word":"one","start":1197.73,"end":1197.97,"confidence":0.9914778,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.5139700770378113},{"word":"pass","start":1197.97,"end":1198.29,"confidence":0.9761647,"punctuated_word":"pass","sentiment":"positive","sentiment_score":0.5495702028274536},{"word":"offer","start":1198.29,"end":1198.6901,"confidence":0.97071576,"punctuated_word":"offer,","sentiment":"positive","sentiment_score":0.582219123840332},{"word":"and","start":1198.6901,"end":1198.85,"confidence":0.9998815,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6342774629592896},{"word":"it's","start":1198.85,"end":1199.01,"confidence":0.9979316,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.7865123748779297},{"word":"actually","start":1199.01,"end":1199.33,"confidence":0.9984812,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.7692072987556458},{"word":"really","start":1199.33,"end":1199.5701,"confidence":0.9997223,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.7524207234382629},{"word":"cool","start":1199.5701,"end":1199.89,"confidence":0.997885,"punctuated_word":"cool.","sentiment":"positive","sentiment_score":0.6456872820854187},{"word":"so","start":1199.89,"end":1200.05,"confidence":0.9990945,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3629836142063141},{"word":"i've","start":1200.05,"end":1200.21,"confidence":0.99978995,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.3538982570171356},{"word":"got","start":1200.21,"end":1200.45,"confidence":0.99939287,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.36429888010025024},{"word":"all","start":1200.45,"end":1200.61,"confidence":0.99983764,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3433750867843628},{"word":"of","start":1200.61,"end":1200.77,"confidence":0.9980141,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.29861342906951904},{"word":"that","start":1200.77,"end":1200.93,"confidence":0.9998418,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3005707859992981},{"word":"noted","start":1200.93,"end":1201.33,"confidence":0.996427,"punctuated_word":"noted","sentiment":"positive","sentiment_score":0.39828506112098694},{"word":"here","start":1201.33,"end":1201.5701,"confidence":0.9989807,"punctuated_word":"here","sentiment":"positive","sentiment_score":0.3558242619037628},{"word":"for","start":1201.5701,"end":1201.73,"confidence":0.9997571,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.28644925355911255},{"word":"you","start":1201.73,"end":1201.81,"confidence":0.9373969,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.24587062001228333},{"word":"and","start":1201.81,"end":1202.05,"confidence":0.9998572,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21064113080501556},{"word":"i've","start":1202.05,"end":1202.21,"confidence":0.9992113,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.22706261277198792},{"word":"also","start":1202.21,"end":1202.45,"confidence":0.9988128,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1558432579040527},{"word":"got","start":1202.45,"end":1202.61,"confidence":0.997168,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.23956437408924103},{"word":"the","start":1202.61,"end":1202.77,"confidence":0.9971425,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21234245598316193},{"word":"pdf","start":1202.77,"end":1203.27,"confidence":0.9396298,"punctuated_word":"PDF","sentiment":"neutral","sentiment_score":0.2174227088689804},{"word":"attached","start":1203.33,"end":1203.65,"confidence":0.98648804,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.21655504405498505},{"word":"in","start":1203.65,"end":1203.81,"confidence":0.99314296,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2141154408454895},{"word":"case","start":1203.81,"end":1204.05,"confidence":0.999974,"punctuated_word":"case","sentiment":"neutral","sentiment_score":0.19099770486354828},{"word":"you","start":1204.05,"end":1204.21,"confidence":0.99407744,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22149762511253357},{"word":"like","start":1204.21,"end":1204.45,"confidence":0.81619936,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.23315364122390747},{"word":"enjoying","start":1204.45,"end":1204.95,"confidence":0.9720686,"punctuated_word":"enjoying","sentiment":"neutral","sentiment_score":0.28893178701400757},{"word":"reading","start":1205.01,"end":1205.41,"confidence":0.98568755,"punctuated_word":"reading","sentiment":"neutral","sentiment_score":0.31804782152175903},{"word":"through","start":1205.41,"end":1205.65,"confidence":0.9994981,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.3455101251602173},{"word":"those","start":1205.65,"end":1206.15,"confidence":0.9968169,"punctuated_word":"those.","sentiment":"neutral","sentiment_score":0.06437825411558151},{"word":"but","start":1206.595,"end":1206.755,"confidence":0.9994802,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.010664701461791992},{"word":"when","start":1206.755,"end":1206.995,"confidence":0.9995328,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.04323723167181015},{"word":"it","start":1206.995,"end":1207.1549,"confidence":0.99985695,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.032921645790338516},{"word":"comes","start":1207.1549,"end":1207.475,"confidence":0.9997743,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":-0.016524892300367355},{"word":"to","start":1207.475,"end":1207.715,"confidence":0.99569607,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02560027688741684},{"word":"the","start":1207.715,"end":1207.955,"confidence":0.9997274,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03294298052787781},{"word":"policy","start":1207.955,"end":1208.455,"confidence":0.7470619,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":-0.034676551818847656},{"word":"so","start":1208.5149,"end":1208.835,"confidence":0.955136,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.024655843153595924},{"word":"one","start":1208.835,"end":1209.1549,"confidence":0.92984706,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.016258718445897102},{"word":"path","start":1209.1549,"end":1209.3949,"confidence":0.50852454,"punctuated_word":"path","sentiment":"neutral","sentiment_score":-0.026073940098285675},{"word":"cover","start":1209.3949,"end":1209.715,"confidence":0.9857007,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.014807162806391716},{"word":"up","start":1209.715,"end":1209.875,"confidence":0.99917656,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.018582940101623535},{"word":"to","start":1209.875,"end":1210.0349,"confidence":0.99232167,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.027062639594078064},{"word":"51","start":1210.0349,"end":1210.595,"confidence":0.99955106,"punctuated_word":"51","sentiment":"neutral","sentiment_score":-0.025766151025891304},{"word":"different","start":1210.595,"end":1211.095,"confidence":0.99984634,"punctuated_word":"different","sentiment":"neutral","sentiment_score":-0.03104041889309883},{"word":"traumatic","start":1212.0349,"end":1212.5349,"confidence":0.88954043,"punctuated_word":"traumatic","sentiment":"neutral","sentiment_score":-0.051647789776325226},{"word":"conditions","start":1212.595,"end":1213.075,"confidence":0.99976665,"punctuated_word":"conditions","sentiment":"neutral","sentiment_score":-0.02823723293840885},{"word":"for","start":1213.075,"end":1213.315,"confidence":0.9986785,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.03912398964166641},{"word":"child","start":1213.315,"end":1213.715,"confidence":0.9870303,"punctuated_word":"child","sentiment":"neutral","sentiment_score":-0.054530613124370575},{"word":"trauma","start":1213.715,"end":1214.215,"confidence":0.9709425,"punctuated_word":"trauma.","sentiment":"neutral","sentiment_score":-0.04970252886414528},{"word":"it","start":1214.6749,"end":1215.1749,"confidence":0.93355125,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.04550112411379814},{"word":"accounts","start":1215.235,"end":1215.6349,"confidence":0.90384877,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":-0.04744751378893852},{"word":"for","start":1215.6349,"end":1215.875,"confidence":0.99736816,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.035115644335746765},{"word":"blindness","start":1215.875,"end":1216.375,"confidence":0.97077686,"punctuated_word":"blindness.","sentiment":"neutral","sentiment_score":-0.12269119918346404},{"word":"some","start":1217.5549,"end":1217.715,"confidence":0.97636783,"punctuated_word":"Some","sentiment":"neutral","sentiment_score":-0.049109429121017456},{"word":"of","start":1217.715,"end":1217.875,"confidence":0.99985445,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03782968968153},{"word":"them","start":1217.875,"end":1218.195,"confidence":0.9998815,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.07462712377309799},{"word":"are","start":1218.195,"end":1218.5149,"confidence":0.9839552,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.05193682760000229},{"word":"benign","start":1218.5149,"end":1218.835,"confidence":0.99942976,"punctuated_word":"benign","sentiment":"neutral","sentiment_score":-0.0690157562494278},{"word":"brain","start":1218.835,"end":1219.075,"confidence":0.9971916,"punctuated_word":"brain","sentiment":"neutral","sentiment_score":-0.08763343840837479},{"word":"tumors","start":1219.075,"end":1219.575,"confidence":0.96530527,"punctuated_word":"tumors,","sentiment":"neutral","sentiment_score":-0.08783239126205444},{"word":"blindness","start":1219.7,"end":1220.2,"confidence":0.9652338,"punctuated_word":"blindness,","sentiment":"neutral","sentiment_score":-0.1031840592622757},{"word":"plastic","start":1220.66,"end":1221.14,"confidence":0.88024795,"punctuated_word":"plastic","sentiment":"neutral","sentiment_score":-0.12625466287136078},{"word":"anemia","start":1221.14,"end":1221.64,"confidence":0.9984235,"punctuated_word":"anemia,","sentiment":"neutral","sentiment_score":-0.10942254960536955},{"word":"benign","start":1221.86,"end":1222.36,"confidence":0.9998184,"punctuated_word":"benign","sentiment":"neutral","sentiment_score":-0.052148789167404175},{"word":"spinal","start":1222.42,"end":1222.82,"confidence":0.99690646,"punctuated_word":"spinal","sentiment":"neutral","sentiment_score":-0.10199183970689774},{"word":"tumors","start":1222.82,"end":1223.32,"confidence":0.8975817,"punctuated_word":"tumors.","sentiment":"neutral","sentiment_score":-0.0690230131149292},{"word":"we've","start":1223.46,"end":1223.7,"confidence":0.79492724,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.05989352613687515},{"word":"got","start":1223.7,"end":1223.86,"confidence":0.99961084,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.0639389157295227},{"word":"brain","start":1223.86,"end":1224.18,"confidence":0.9985607,"punctuated_word":"brain","sentiment":"neutral","sentiment_score":-0.0931144580245018},{"word":"damage","start":1224.18,"end":1224.58,"confidence":0.8322181,"punctuated_word":"damage,","sentiment":"neutral","sentiment_score":-0.08487237989902496},{"word":"burns","start":1224.58,"end":1225.08,"confidence":0.9937675,"punctuated_word":"burns,","sentiment":"neutral","sentiment_score":-0.11599516868591309},{"word":"severe","start":1225.78,"end":1226.1,"confidence":0.99572253,"punctuated_word":"severe","sentiment":"neutral","sentiment_score":-0.17298513650894165},{"word":"cancer","start":1226.1,"end":1226.6,"confidence":0.9943374,"punctuated_word":"cancer,","sentiment":"neutral","sentiment_score":-0.13688424229621887},{"word":"cardiomyopathy","start":1227.38,"end":1227.88,"confidence":0.9925817,"punctuated_word":"cardiomyopathy,","sentiment":"neutral","sentiment_score":-0.15252900123596191},{"word":"deafness","start":1228.58,"end":1229.08,"confidence":0.94395846,"punctuated_word":"deafness.","sentiment":"neutral","sentiment_score":-0.16894428431987762},{"word":"there's","start":1229.46,"end":1229.7,"confidence":0.99609804,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.0821433812379837},{"word":"a","start":1229.7,"end":1229.78,"confidence":0.9989605,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0753863975405693},{"word":"couple","start":1229.78,"end":1230.1,"confidence":0.9999049,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.11450301855802536},{"word":"i","start":1230.1,"end":1230.26,"confidence":0.99130213,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11334426701068878},{"word":"can't","start":1230.26,"end":1230.42,"confidence":0.9996941,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.11426659673452376},{"word":"pronounce","start":1230.42,"end":1230.9,"confidence":0.9995963,"punctuated_word":"pronounce","sentiment":"neutral","sentiment_score":-0.08758053183555603},{"word":"there","start":1230.9,"end":1231.22,"confidence":0.7008499,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":-0.1048763170838356},{"word":"and","start":1231.22,"end":1231.46,"confidence":0.9991322,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1056857779622078},{"word":"certain","start":1231.46,"end":1231.78,"confidence":0.9832781,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":-0.1154818832874298},{"word":"head","start":1231.78,"end":1232.02,"confidence":0.9946101,"punctuated_word":"head","sentiment":"neutral","sentiment_score":-0.17342515289783478},{"word":"traumas","start":1232.02,"end":1232.5,"confidence":0.96204287,"punctuated_word":"traumas","sentiment":"neutral","sentiment_score":-0.13685651123523712},{"word":"as","start":1232.5,"end":1232.66,"confidence":0.99735403,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.13047289848327637},{"word":"well","start":1232.66,"end":1232.9,"confidence":0.9998789,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.10559801012277605},{"word":"that","start":1232.9,"end":1233.0599,"confidence":0.995308,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13017286360263824},{"word":"are","start":1233.0599,"end":1233.14,"confidence":0.96766394,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.1340622454881668},{"word":"permanent","start":1233.14,"end":1233.54,"confidence":0.9936392,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":-0.17852060496807098},{"word":"and","start":1233.54,"end":1233.78,"confidence":0.99631125,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2040125876665115},{"word":"irreversible","start":1233.78,"end":1234.28,"confidence":0.76615214,"punctuated_word":"irreversible.","sentiment":"neutral","sentiment_score":-0.17370036244392395},{"word":"kidney","start":1235.155,"end":1235.395,"confidence":0.99745744,"punctuated_word":"Kidney","sentiment":"neutral","sentiment_score":-0.05526719242334366},{"word":"failure","start":1235.395,"end":1235.875,"confidence":0.99779403,"punctuated_word":"failure,","sentiment":"neutral","sentiment_score":-0.1181587129831314},{"word":"loss","start":1235.875,"end":1236.035,"confidence":0.9931827,"punctuated_word":"loss","sentiment":"neutral","sentiment_score":-0.1538112610578537},{"word":"of","start":1236.035,"end":1236.195,"confidence":0.9955206,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15563464164733887},{"word":"speech","start":1236.195,"end":1236.515,"confidence":0.9988985,"punctuated_word":"speech,","sentiment":"neutral","sentiment_score":-0.15186426043510437},{"word":"permanent","start":1236.515,"end":1236.915,"confidence":0.99632096,"punctuated_word":"permanent","sentiment":"neutral","sentiment_score":-0.21964596211910248},{"word":"paralysis","start":1236.915,"end":1237.415,"confidence":0.88792753,"punctuated_word":"paralysis,","sentiment":"neutral","sentiment_score":-0.1606835573911667},{"word":"and","start":1238.195,"end":1238.275,"confidence":0.99768853,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.1076888144016266},{"word":"loss","start":1238.275,"end":1238.595,"confidence":0.99902153,"punctuated_word":"loss","sentiment":"neutral","sentiment_score":-0.09603914618492126},{"word":"of","start":1238.595,"end":1238.755,"confidence":0.9995797,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10996631532907486},{"word":"a","start":1238.755,"end":1238.915,"confidence":0.95224357,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12965327501296997},{"word":"limb","start":1238.915,"end":1239.415,"confidence":0.9697392,"punctuated_word":"limb,","sentiment":"neutral","sentiment_score":-0.137404203414917},{"word":"mening","start":1239.715,"end":1240.215,"confidence":0.6878872,"punctuated_word":"mening","sentiment":"neutral","sentiment_score":-0.11106569319963457},{"word":"meningococcal","start":1240.515,"end":1241.015,"confidence":0.8506373,"punctuated_word":"meningococcal,","sentiment":"neutral","sentiment_score":-0.07420679926872253},{"word":"meningitis","start":1242.355,"end":1242.755,"confidence":0.8358509,"punctuated_word":"meningitis","sentiment":"neutral","sentiment_score":-0.08415821194648743},{"word":"meningitis","start":1243.155,"end":1243.655,"confidence":0.7605853,"punctuated_word":"meningitis","sentiment":"neutral","sentiment_score":-0.08305436372756958},{"word":"i'm","start":1244.115,"end":1244.275,"confidence":0.76194185,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.10960467904806136},{"word":"sorry","start":1244.275,"end":1244.515,"confidence":0.98061967,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.12985782325267792},{"word":"i'm","start":1244.515,"end":1244.675,"confidence":0.99988157,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.15590143203735352},{"word":"not","start":1244.675,"end":1244.835,"confidence":0.9995321,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.14691917598247528},{"word":"a","start":1244.835,"end":1244.915,"confidence":0.99634236,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17906567454338074},{"word":"doctor","start":1244.915,"end":1245.3151,"confidence":0.99096787,"punctuated_word":"doctor.","sentiment":"neutral","sentiment_score":-0.20469897985458377},{"word":"i","start":1245.3151,"end":1245.395,"confidence":0.99931765,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.18765833973884585},{"word":"don't","start":1245.395,"end":1245.635,"confidence":0.99776185,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1556437760591507},{"word":"do","start":1245.635,"end":1245.875,"confidence":0.99446154,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.11943552643060684},{"word":"well","start":1245.875,"end":1246.115,"confidence":0.9973617,"punctuated_word":"well","sentiment":"neutral","sentiment_score":-0.12122390419244766},{"word":"with","start":1246.115,"end":1246.275,"confidence":0.9961514,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0941721573472023},{"word":"these","start":1246.275,"end":1246.515,"confidence":0.8736499,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.10970644652843475},{"word":"big","start":1246.515,"end":1246.675,"confidence":0.39085817,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.1648906171321869},{"word":"words","start":1246.675,"end":1247.175,"confidence":0.90132594,"punctuated_word":"words.","sentiment":"neutral","sentiment_score":-0.14792217314243317},{"word":"terminal","start":1249.2,"end":1249.7,"confidence":0.7956302,"punctuated_word":"Terminal","sentiment":"neutral","sentiment_score":-0.122391015291214},{"word":"illnesses","start":1249.76,"end":1250.26,"confidence":0.87132084,"punctuated_word":"illnesses,","sentiment":"neutral","sentiment_score":-0.05762775242328644},{"word":"stroke","start":1250.4,"end":1250.64,"confidence":0.86025035,"punctuated_word":"stroke,","sentiment":"neutral","sentiment_score":-0.06932452321052551},{"word":"and","start":1250.64,"end":1250.7999,"confidence":0.99821234,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06849035620689392},{"word":"organ","start":1250.7999,"end":1251.2999,"confidence":0.99744475,"punctuated_word":"organ","sentiment":"neutral","sentiment_score":-0.11696881055831908},{"word":"transplant","start":1251.36,"end":1251.86,"confidence":0.5967474,"punctuated_word":"transplant.","sentiment":"neutral","sentiment_score":-0.04802569001913071},{"word":"the","start":1253.04,"end":1253.28,"confidence":0.66703284,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.018151797354221344},{"word":"policy","start":1253.28,"end":1253.6799,"confidence":0.9985489,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.024806968867778775},{"word":"will","start":1253.6799,"end":1253.9199,"confidence":0.99759185,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.060679804533720016},{"word":"have","start":1253.9199,"end":1254.16,"confidence":0.9996637,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.038699015974998474},{"word":"a","start":1254.16,"end":1254.32,"confidence":0.9988675,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03960000723600387},{"word":"ninety","start":1254.32,"end":1254.64,"confidence":0.9865919,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.017784472554922104},{"word":"day","start":1254.64,"end":1254.88,"confidence":0.9989442,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.02774994447827339},{"word":"qualifying","start":1254.88,"end":1255.38,"confidence":0.9936127,"punctuated_word":"qualifying","sentiment":"neutral","sentiment_score":0.004411734640598297},{"word":"period","start":1255.44,"end":1255.84,"confidence":0.99950075,"punctuated_word":"period","sentiment":"neutral","sentiment_score":-0.015402846038341522},{"word":"on","start":1255.84,"end":1256.0,"confidence":0.9903439,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.03992268815636635},{"word":"it","start":1256.0,"end":1256.16,"confidence":0.9273603,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.001827668398618698},{"word":"so","start":1256.16,"end":1256.4,"confidence":0.9383111,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.042932067066431046},{"word":"essentially","start":1256.4,"end":1256.88,"confidence":0.99972296,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.032640956342220306},{"word":"it","start":1256.88,"end":1257.04,"confidence":0.80520904,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03420177847146988},{"word":"just","start":1257.04,"end":1257.28,"confidence":0.93445414,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.021485567092895508},{"word":"means","start":1257.28,"end":1257.6,"confidence":0.9997143,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.021007321774959564},{"word":"that","start":1257.6,"end":1257.9199,"confidence":0.9992499,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03185812011361122},{"word":"for","start":1257.9199,"end":1258.08,"confidence":0.98397636,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.014005668461322784},{"word":"the","start":1258.08,"end":1258.24,"confidence":0.99971217,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010225541889667513},{"word":"first","start":1258.24,"end":1258.64,"confidence":0.9994764,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.00929512083530426},{"word":"ninety","start":1258.64,"end":1259.04,"confidence":0.9995096,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":-0.004136574920266867},{"word":"days","start":1259.04,"end":1259.54,"confidence":0.9808966,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":-0.016029957681894302},{"word":"there","start":1259.6,"end":1259.76,"confidence":0.99972445,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.1033603698015213},{"word":"are","start":1259.76,"end":1259.9199,"confidence":0.9995813,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.11989198625087738},{"word":"limitations","start":1259.9199,"end":1260.4199,"confidence":0.99972683,"punctuated_word":"limitations","sentiment":"neutral","sentiment_score":-0.1557210087776184},{"word":"on","start":1260.64,"end":1260.7999,"confidence":0.9996427,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1697508990764618},{"word":"what","start":1260.7999,"end":1261.04,"confidence":0.9998803,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.17345821857452393},{"word":"can","start":1261.04,"end":1261.2,"confidence":0.9998957,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.150980606675148},{"word":"be","start":1261.2,"end":1261.36,"confidence":0.9992649,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.18949197232723236},{"word":"claimed","start":1261.36,"end":1261.76,"confidence":0.7791096,"punctuated_word":"claimed,","sentiment":"neutral","sentiment_score":-0.12377022206783296},{"word":"but","start":1261.76,"end":1262.0,"confidence":0.9996828,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.023643866181373596},{"word":"after","start":1262.0,"end":1262.24,"confidence":0.99734926,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.022418081760406498},{"word":"the","start":1262.24,"end":1262.4,"confidence":0.99581486,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.008000895380973816},{"word":"first","start":1262.4,"end":1262.64,"confidence":0.99650097,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.010258451104164124},{"word":"ninety","start":1262.64,"end":1262.96,"confidence":0.99959415,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.05051714181900024},{"word":"days","start":1262.96,"end":1263.36,"confidence":0.98464465,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":0.07664753496646881},{"word":"everything","start":1263.36,"end":1263.76,"confidence":0.9998349,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.11107389628887177},{"word":"is","start":1263.76,"end":1263.975,"confidence":0.99832886,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09193755686283112},{"word":"fine","start":1264.0549,"end":1264.5549,"confidence":0.9990113,"punctuated_word":"fine.","sentiment":"neutral","sentiment_score":0.0816565603017807},{"word":"it's","start":1264.615,"end":1265.015,"confidence":0.9916184,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.028412610292434692},{"word":"just","start":1265.015,"end":1265.1749,"confidence":0.7941834,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.052135031670331955},{"word":"sort","start":1265.1749,"end":1265.335,"confidence":0.9789898,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.01036716252565384},{"word":"of","start":1265.335,"end":1265.495,"confidence":0.99891627,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.01952356845140457},{"word":"making","start":1265.495,"end":1265.815,"confidence":0.9996774,"punctuated_word":"making","sentiment":"neutral","sentiment_score":-0.017015978693962097},{"word":"sure","start":1265.815,"end":1265.975,"confidence":0.99984825,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.01300366222858429},{"word":"that","start":1265.975,"end":1266.215,"confidence":0.99987626,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.005737006664276123},{"word":"you're","start":1266.215,"end":1266.375,"confidence":0.99684525,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.017316680401563644},{"word":"not","start":1266.375,"end":1266.615,"confidence":0.99966526,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07538629323244095},{"word":"not","start":1267.1749,"end":1267.4149,"confidence":0.5108779,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.1193208321928978},{"word":"trying","start":1267.4149,"end":1267.655,"confidence":0.99565613,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.16812357306480408},{"word":"to","start":1267.655,"end":1267.815,"confidence":0.9976248,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16376686096191406},{"word":"claim","start":1267.815,"end":1268.135,"confidence":0.99927396,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.15257376432418823},{"word":"on","start":1268.135,"end":1268.2949,"confidence":0.9980878,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.13726168870925903},{"word":"anything","start":1268.2949,"end":1268.695,"confidence":0.9998816,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.12960413098335266},{"word":"that","start":1268.695,"end":1268.855,"confidence":0.9996371,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12351080775260924},{"word":"you","start":1268.855,"end":1269.095,"confidence":0.9997969,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.07032948732376099},{"word":"maybe","start":1269.095,"end":1269.575,"confidence":0.91565126,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.07006754726171494},{"word":"think","start":1269.575,"end":1269.895,"confidence":0.99730384,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.06371723860502243},{"word":"you","start":1269.895,"end":1270.135,"confidence":0.99871516,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.06680260598659515},{"word":"might","start":1270.135,"end":1270.375,"confidence":0.9999385,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.07559680938720703},{"word":"have","start":1270.375,"end":1270.875,"confidence":0.99986684,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06578812748193741},{"word":"within","start":1271.095,"end":1271.4149,"confidence":0.999627,"punctuated_word":"within","sentiment":"neutral","sentiment_score":-0.09434954822063446},{"word":"the","start":1271.4149,"end":1271.495,"confidence":0.9979825,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.049259983003139496},{"word":"first","start":1271.495,"end":1271.895,"confidence":0.9960926,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.057389937341213226},{"word":"ninety","start":1271.895,"end":1272.215,"confidence":0.99881786,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":-0.03694798797369003},{"word":"days","start":1272.215,"end":1272.615,"confidence":0.98562336,"punctuated_word":"days.","sentiment":"neutral","sentiment_score":-0.06228753924369812},{"word":"sort","start":1272.615,"end":1272.855,"confidence":0.54603314,"punctuated_word":"Sort","sentiment":"neutral","sentiment_score":-0.039964709430933},{"word":"of","start":1272.855,"end":1272.9349,"confidence":0.9683649,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04144055023789406},{"word":"the","start":1272.9349,"end":1273.095,"confidence":0.9886423,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.04465222358703613},{"word":"same","start":1273.095,"end":1273.335,"confidence":0.9843509,"punctuated_word":"same","sentiment":"neutral","sentiment_score":-0.04141503572463989},{"word":"with","start":1273.335,"end":1273.495,"confidence":0.9468965,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.05967950075864792},{"word":"life","start":1273.495,"end":1273.735,"confidence":0.9987405,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.16247233748435974},{"word":"insurance","start":1273.735,"end":1274.215,"confidence":0.8951265,"punctuated_word":"insurance.","sentiment":"neutral","sentiment_score":-0.05887625366449356},{"word":"they","start":1274.215,"end":1274.455,"confidence":0.99564135,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.09531672298908234},{"word":"normally","start":1274.455,"end":1274.775,"confidence":0.998459,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":-0.09451140463352203},{"word":"don't","start":1274.775,"end":1275.095,"confidence":0.9992529,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1191037893295288},{"word":"cover","start":1275.095,"end":1275.595,"confidence":0.99990654,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.11532182991504668},{"word":"they","start":1276.58,"end":1276.74,"confidence":0.9919151,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.14082935452461243},{"word":"normally","start":1276.74,"end":1276.98,"confidence":0.76710427,"punctuated_word":"normally,","sentiment":"neutral","sentiment_score":-0.147243469953537},{"word":"for","start":1276.98,"end":1277.14,"confidence":0.99523085,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.14667250216007233},{"word":"the","start":1277.14,"end":1277.46,"confidence":0.99686486,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12536346912384033},{"word":"thirteen","start":1277.46,"end":1277.94,"confidence":0.7350747,"punctuated_word":"thirteen","sentiment":"neutral","sentiment_score":-0.14155802130699158},{"word":"first","start":1278.02,"end":1278.26,"confidence":0.83014435,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.11874207109212875},{"word":"thirteen","start":1278.26,"end":1278.74,"confidence":0.9894042,"punctuated_word":"thirteen","sentiment":"neutral","sentiment_score":-0.0964282974600792},{"word":"months","start":1278.74,"end":1279.06,"confidence":0.95705557,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":-0.13162527978420258},{"word":"don't","start":1279.06,"end":1279.3,"confidence":0.9856107,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1959758847951889},{"word":"cover","start":1279.3,"end":1279.7,"confidence":0.99925596,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.23995766043663025},{"word":"suicide","start":1279.7,"end":1280.2,"confidence":0.9955871,"punctuated_word":"suicide","sentiment":"neutral","sentiment_score":-0.2621929943561554},{"word":"on","start":1280.26,"end":1280.5,"confidence":0.86607605,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.311151921749115},{"word":"life","start":1280.5,"end":1280.74,"confidence":0.9878444,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.2659091055393219},{"word":"cover","start":1280.74,"end":1280.98,"confidence":0.99472284,"punctuated_word":"cover.","sentiment":"neutral","sentiment_score":-0.16213282942771912},{"word":"you've","start":1280.98,"end":1281.22,"confidence":0.9932666,"punctuated_word":"You've","sentiment":"neutral","sentiment_score":-0.05902775377035141},{"word":"gotta","start":1281.22,"end":1281.46,"confidence":0.9263402,"punctuated_word":"gotta","sentiment":"neutral","sentiment_score":-0.02469996362924576},{"word":"kinda","start":1281.46,"end":1281.7,"confidence":0.9808131,"punctuated_word":"kinda","sentiment":"neutral","sentiment_score":-0.018956825137138367},{"word":"have","start":1281.7,"end":1281.94,"confidence":0.9847601,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.031184356659650803},{"word":"the","start":1281.94,"end":1282.02,"confidence":0.99830806,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.028602268546819687},{"word":"policy","start":1282.02,"end":1282.5,"confidence":0.99387866,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.034036681056022644},{"word":"for","start":1282.5,"end":1282.58,"confidence":0.9734928,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.003502972424030304},{"word":"the","start":1282.58,"end":1282.74,"confidence":0.9993042,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0007734894752502441},{"word":"first","start":1282.74,"end":1282.98,"confidence":0.9991474,"punctuated_word":"first","sentiment":"neutral","sentiment_score":-0.028287045657634735},{"word":"year","start":1282.98,"end":1283.22,"confidence":0.98103106,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.00521773099899292},{"word":"before","start":1283.22,"end":1283.54,"confidence":0.9994023,"punctuated_word":"before","sentiment":"neutral","sentiment_score":-0.028006672859191895},{"word":"they'll","start":1283.54,"end":1283.78,"confidence":0.98856604,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":-0.041073620319366455},{"word":"cover","start":1283.78,"end":1284.02,"confidence":0.9994611,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":-0.03256814926862717},{"word":"that","start":1284.02,"end":1284.5,"confidence":0.92943203,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.06904435157775879},{"word":"so","start":1284.5,"end":1284.74,"confidence":0.9994955,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07972432672977448},{"word":"it","start":1284.74,"end":1284.82,"confidence":0.99279857,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0975276380777359},{"word":"does","start":1284.82,"end":1285.14,"confidence":0.9998148,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.2563759684562683},{"word":"work","start":1285.14,"end":1285.3,"confidence":0.99741817,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.3023347854614258},{"word":"out","start":1285.3,"end":1285.46,"confidence":0.8791835,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2776506245136261},{"word":"the","start":1285.46,"end":1285.62,"confidence":0.9984303,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.24675190448760984},{"word":"same","start":1285.62,"end":1285.86,"confidence":0.99963164,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.25333958864212036},{"word":"with","start":1285.86,"end":1286.02,"confidence":0.99949265,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.3343072831630707},{"word":"the","start":1286.02,"end":1286.18,"confidence":0.98625076,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27677538990974426},{"word":"child","start":1286.18,"end":1286.5,"confidence":0.99163556,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.15874077379703522},{"word":"trauma","start":1286.5,"end":1286.9,"confidence":0.9863876,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.12874893844127655},{"word":"policy","start":1286.9,"end":1287.3,"confidence":0.9995388,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.193092942237854},{"word":"there","start":1287.3,"end":1287.54,"confidence":0.99138695,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2735663950443268},{"word":"for","start":1287.54,"end":1287.78,"confidence":0.9996908,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23764356970787048},{"word":"you","start":1287.78,"end":1287.94,"confidence":0.76945996,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.19602400064468384},{"word":"but","start":1287.94,"end":1288.18,"confidence":0.9996669,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.2330005168914795},{"word":"after","start":1288.18,"end":1288.42,"confidence":0.99917704,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.16402789950370789},{"word":"the","start":1288.42,"end":1288.58,"confidence":0.99957937,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17064006626605988},{"word":"first","start":1288.58,"end":1288.9,"confidence":0.9986993,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.19532161951065063},{"word":"ninety","start":1288.9,"end":1289.22,"confidence":0.99724376,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.21274062991142273},{"word":"days","start":1289.22,"end":1289.54,"confidence":0.998014,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":0.1796011179685593},{"word":"you","start":1289.54,"end":1289.7,"confidence":0.9998386,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27109867334365845},{"word":"are","start":1289.7,"end":1289.86,"confidence":0.9997347,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.22348317503929135},{"word":"fully","start":1289.86,"end":1290.18,"confidence":0.9997385,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.3097110390663147},{"word":"covered","start":1290.18,"end":1290.58,"confidence":0.99881387,"punctuated_word":"covered","sentiment":"neutral","sentiment_score":0.15952302515506744},{"word":"for","start":1290.58,"end":1290.82,"confidence":0.9848972,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1882402002811432},{"word":"everything","start":1290.82,"end":1291.32,"confidence":0.9998946,"punctuated_word":"everything.","sentiment":"neutral","sentiment_score":0.14868736267089844},{"word":"some","start":1292.1749,"end":1292.4149,"confidence":0.9643773,"punctuated_word":"Some","sentiment":"neutral","sentiment_score":0.32561132311820984},{"word":"other","start":1292.4149,"end":1292.6549,"confidence":0.99971515,"punctuated_word":"other","sentiment":"positive","sentiment_score":0.3342290222644806},{"word":"really","start":1292.6549,"end":1292.8949,"confidence":0.9996018,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.3124912679195404},{"word":"good","start":1292.8949,"end":1293.1349,"confidence":0.9995834,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.3723872303962707},{"word":"advantages","start":1293.1349,"end":1293.615,"confidence":0.9990526,"punctuated_word":"advantages","sentiment":"positive","sentiment_score":0.41342756152153015},{"word":"of","start":1293.615,"end":1293.7749,"confidence":0.98963076,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5259925127029419},{"word":"the","start":1293.7749,"end":1294.0149,"confidence":0.99839956,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.559234619140625},{"word":"policy","start":1294.0149,"end":1294.4149,"confidence":0.9998728,"punctuated_word":"policy","sentiment":"positive","sentiment_score":0.558568000793457},{"word":"are","start":1294.4149,"end":1294.575,"confidence":0.9965659,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.5047548413276672},{"word":"that","start":1294.575,"end":1294.735,"confidence":0.9960834,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5935085415840149},{"word":"it","start":1294.735,"end":1294.815,"confidence":0.9884094,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5352545976638794},{"word":"has","start":1294.815,"end":1295.0549,"confidence":0.99935156,"punctuated_word":"has","sentiment":"positive","sentiment_score":0.5837209224700928},{"word":"the","start":1295.0549,"end":1295.2949,"confidence":0.998872,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5691526532173157},{"word":"accommodation","start":1295.2949,"end":1295.7949,"confidence":0.9987929,"punctuated_word":"accommodation","sentiment":"neutral","sentiment_score":0.31855446100234985},{"word":"benefit","start":1296.0149,"end":1296.4149,"confidence":0.99929106,"punctuated_word":"benefit","sentiment":"positive","sentiment_score":0.40103521943092346},{"word":"there","start":1296.4149,"end":1296.6549,"confidence":0.9997992,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.4863685071468353},{"word":"as","start":1296.6549,"end":1296.815,"confidence":0.99987984,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4215940237045288},{"word":"well","start":1296.815,"end":1297.215,"confidence":0.98425144,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.3836719393730163},{"word":"so","start":1297.215,"end":1297.715,"confidence":0.9597665,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.2450568825006485},{"word":"essentially","start":1297.7749,"end":1298.1749,"confidence":0.9995533,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.16676996648311615},{"word":"if","start":1298.1749,"end":1298.4149,"confidence":0.999297,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.14501968026161194},{"word":"something","start":1298.4149,"end":1298.735,"confidence":0.9998448,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.10004264116287231},{"word":"was","start":1298.735,"end":1298.975,"confidence":0.9965153,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.03295324742794037},{"word":"to","start":1298.975,"end":1299.1349,"confidence":0.9979468,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.050565674901008606},{"word":"happen","start":1299.1349,"end":1299.455,"confidence":0.9920691,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.02112673968076706},{"word":"to","start":1299.455,"end":1299.615,"confidence":0.9953453,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03068459779024124},{"word":"tyler","start":1299.615,"end":1299.9349,"confidence":0.9950948,"punctuated_word":"Tyler","sentiment":"neutral","sentiment_score":-0.02928878366947174},{"word":"sorry","start":1300.1749,"end":1300.4149,"confidence":0.75223917,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.0197889506816864},{"word":"if","start":1300.4149,"end":1300.575,"confidence":0.98037475,"punctuated_word":"If","sentiment":"neutral","sentiment_score":-0.01676851511001587},{"word":"something","start":1300.575,"end":1300.8949,"confidence":0.9978994,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.05016971379518509},{"word":"was","start":1300.8949,"end":1301.0549,"confidence":0.99522865,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.06996303051710129},{"word":"to","start":1301.0549,"end":1301.1349,"confidence":0.9945328,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.015808530151844025},{"word":"happen","start":1301.1349,"end":1301.375,"confidence":0.9932312,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.04398699849843979},{"word":"to","start":1301.375,"end":1301.5349,"confidence":0.99348253,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06706051528453827},{"word":"oscar","start":1301.5349,"end":1301.855,"confidence":0.87995124,"punctuated_word":"Oscar,","sentiment":"neutral","sentiment_score":-0.06177086383104324},{"word":"i","start":1301.855,"end":1302.0149,"confidence":0.99934,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.11296446621418},{"word":"do","start":1302.0149,"end":1302.1749,"confidence":0.99981755,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.08370783179998398},{"word":"apologize","start":1302.1749,"end":1302.6749,"confidence":0.9117589,"punctuated_word":"apologize.","sentiment":"neutral","sentiment_score":-0.10365325212478638},{"word":"and","start":1303.695,"end":1304.195,"confidence":0.9642829,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06820900738239288},{"word":"he","start":1304.28,"end":1304.52,"confidence":0.99976534,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.01556447148323059},{"word":"was","start":1304.52,"end":1304.68,"confidence":0.99989605,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.00877368450164795},{"word":"bedridden","start":1304.68,"end":1305.18,"confidence":0.77506465,"punctuated_word":"bedridden,","sentiment":"neutral","sentiment_score":0.001130198477767408},{"word":"and","start":1305.56,"end":1305.88,"confidence":0.9946078,"punctuated_word":"and,","sentiment":"neutral","sentiment_score":0.03381514549255371},{"word":"you","start":1305.88,"end":1305.9601,"confidence":0.9998791,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0396641343832016},{"word":"know","start":1305.9601,"end":1306.28,"confidence":0.99972117,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.06693153828382492},{"word":"if","start":1306.28,"end":1306.4401,"confidence":0.8145616,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1427997499704361},{"word":"family","start":1306.4401,"end":1306.76,"confidence":0.99597037,"punctuated_word":"family","sentiment":"neutral","sentiment_score":0.11386136710643768},{"word":"members","start":1306.76,"end":1307.0801,"confidence":0.9916558,"punctuated_word":"members","sentiment":"neutral","sentiment_score":0.0788530483841896},{"word":"you","start":1307.0801,"end":1307.24,"confidence":0.47710896,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16687268018722534},{"word":"guys","start":1307.24,"end":1307.48,"confidence":0.9983967,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.09501892328262328},{"word":"had","start":1307.48,"end":1307.64,"confidence":0.9294535,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.09785806387662888},{"word":"to","start":1307.64,"end":1307.8,"confidence":0.9964418,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.058266058564186096},{"word":"travel","start":1307.8,"end":1308.12,"confidence":0.9998708,"punctuated_word":"travel","sentiment":"neutral","sentiment_score":-0.04698234796524048},{"word":"or","start":1308.12,"end":1308.28,"confidence":0.9882487,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06720653176307678},{"word":"be","start":1308.28,"end":1308.52,"confidence":0.989165,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.03818550705909729},{"word":"somewhere","start":1308.52,"end":1309.02,"confidence":0.980353,"punctuated_word":"somewhere,","sentiment":"neutral","sentiment_score":0.09563343971967696},{"word":"they","start":1309.0801,"end":1309.24,"confidence":0.9973436,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.21645377576351169},{"word":"do","start":1309.24,"end":1309.4,"confidence":0.99831957,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.22867779433727264},{"word":"pay","start":1309.4,"end":1309.64,"confidence":0.9832999,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.13157933950424194},{"word":"out","start":1309.64,"end":1309.8,"confidence":0.90803677,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2504042088985443},{"word":"the","start":1309.8,"end":1309.9601,"confidence":0.9996152,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27080777287483215},{"word":"accommodation","start":1309.9601,"end":1310.4601,"confidence":0.99924976,"punctuated_word":"accommodation","sentiment":"neutral","sentiment_score":0.10700163245201112},{"word":"benefit","start":1310.68,"end":1311.0801,"confidence":0.9420625,"punctuated_word":"benefit,","sentiment":"neutral","sentiment_score":0.2806330919265747},{"word":"which","start":1311.0801,"end":1311.3201,"confidence":0.99994063,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.3383399248123169},{"word":"is","start":1311.3201,"end":1311.48,"confidence":0.9949824,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2640605866909027},{"word":"a","start":1311.48,"end":1311.56,"confidence":0.9969669,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.30304285883903503},{"word":"certain","start":1311.56,"end":1311.9601,"confidence":0.999798,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":0.2440471351146698},{"word":"amount","start":1311.9601,"end":1312.4601,"confidence":0.9996915,"punctuated_word":"amount","sentiment":"positive","sentiment_score":0.36488017439842224},{"word":"that","start":1312.52,"end":1312.76,"confidence":0.95197475,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2891925275325775},{"word":"helps","start":1312.76,"end":1313.0801,"confidence":0.9981238,"punctuated_word":"helps","sentiment":"neutral","sentiment_score":0.2650425434112549},{"word":"to","start":1313.0801,"end":1313.24,"confidence":0.6365377,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24309179186820984},{"word":"cover","start":1313.24,"end":1313.56,"confidence":0.9996432,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.26835885643959045},{"word":"and","start":1313.56,"end":1313.72,"confidence":0.9337853,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2309214472770691},{"word":"cover","start":1314.04,"end":1314.36,"confidence":0.577145,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.21450459957122803},{"word":"the","start":1314.36,"end":1314.4401,"confidence":0.99878484,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23669156432151792},{"word":"cost","start":1314.4401,"end":1314.76,"confidence":0.9571594,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.14713168144226074},{"word":"of","start":1314.76,"end":1315.0,"confidence":0.9998062,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17585280537605286},{"word":"accommodation","start":1315.0,"end":1315.5,"confidence":0.99252856,"punctuated_word":"accommodation","sentiment":"neutral","sentiment_score":0.051036834716796875},{"word":"for","start":1315.72,"end":1315.88,"confidence":0.99583924,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1582554578781128},{"word":"a","start":1315.88,"end":1316.04,"confidence":0.9953825,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1384453326463699},{"word":"certain","start":1316.04,"end":1316.36,"confidence":0.99966156,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":0.08855228871107101},{"word":"period","start":1316.36,"end":1316.68,"confidence":0.99976164,"punctuated_word":"period","sentiment":"neutral","sentiment_score":0.12118632346391678},{"word":"of","start":1316.68,"end":1316.8401,"confidence":0.9990765,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13746753334999084},{"word":"time","start":1316.8401,"end":1317.315,"confidence":0.99900854,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.01943264529109001},{"word":"they","start":1317.7949,"end":1318.0349,"confidence":0.9829428,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.07677063345909119},{"word":"cover","start":1318.0349,"end":1318.5149,"confidence":0.99458003,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.09150071442127228},{"word":"if","start":1318.5149,"end":1318.595,"confidence":0.7945211,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11961444467306136},{"word":"you","start":1318.595,"end":1318.7549,"confidence":0.99672997,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16097180545330048},{"word":"have","start":1318.7549,"end":1318.875,"confidence":0.9961669,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.0621006041765213},{"word":"to","start":1318.875,"end":1318.995,"confidence":0.99865097,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05961167812347412},{"word":"travel","start":1318.995,"end":1319.315,"confidence":0.99966073,"punctuated_word":"travel","sentiment":"neutral","sentiment_score":0.014679446816444395},{"word":"for","start":1319.315,"end":1319.475,"confidence":0.98639154,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.027376651763916016},{"word":"more","start":1319.475,"end":1319.6349,"confidence":0.999642,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.026632852852344513},{"word":"than","start":1319.6349,"end":1319.7949,"confidence":0.9997663,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.04146440699696541},{"word":"a","start":1319.7949,"end":1319.875,"confidence":0.9944518,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.049073752015829086},{"word":"100","start":1319.875,"end":1320.2749,"confidence":0.99976474,"punctuated_word":"100","sentiment":"neutral","sentiment_score":0.02898685820400715},{"word":"kilometers","start":1320.2749,"end":1320.7549,"confidence":0.78167415,"punctuated_word":"kilometers,","sentiment":"neutral","sentiment_score":0.042231909930706024},{"word":"so","start":1320.7549,"end":1320.995,"confidence":0.618268,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.040742915123701096},{"word":"sometimes","start":1320.995,"end":1321.3949,"confidence":0.9531686,"punctuated_word":"sometimes","sentiment":"neutral","sentiment_score":0.03695317357778549},{"word":"we","start":1321.3949,"end":1321.5549,"confidence":0.8746904,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.048486001789569855},{"word":"might","start":1321.5549,"end":1321.715,"confidence":0.9999237,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.01340542733669281},{"word":"need","start":1321.715,"end":1321.875,"confidence":0.99958426,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.01720634661614895},{"word":"to","start":1321.875,"end":1322.0349,"confidence":0.99917597,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02988957241177559},{"word":"travel","start":1322.0349,"end":1322.355,"confidence":0.9982288,"punctuated_word":"travel,","sentiment":"neutral","sentiment_score":0.034813545644283295},{"word":"you","start":1322.355,"end":1322.5149,"confidence":0.9999434,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04167575761675835},{"word":"know","start":1322.5149,"end":1322.7549,"confidence":0.9998355,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.04546605050563812},{"word":"out","start":1322.7549,"end":1322.995,"confidence":0.9843472,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.02556302398443222},{"word":"out","start":1322.995,"end":1323.235,"confidence":0.97925764,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.028336388990283012},{"word":"of","start":1323.235,"end":1323.315,"confidence":0.9826734,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01926885731518269},{"word":"state","start":1323.315,"end":1323.715,"confidence":0.9808576,"punctuated_word":"state","sentiment":"neutral","sentiment_score":0.02250806987285614},{"word":"or","start":1323.715,"end":1324.195,"confidence":0.9942842,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0404193252325058},{"word":"into","start":1324.195,"end":1324.5149,"confidence":0.9986817,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.028587644919753075},{"word":"other","start":1324.5149,"end":1324.835,"confidence":0.9995152,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.037601690739393234},{"word":"areas","start":1324.835,"end":1325.1549,"confidence":0.9997173,"punctuated_word":"areas","sentiment":"neutral","sentiment_score":0.03133688494563103},{"word":"to","start":1325.1549,"end":1325.315,"confidence":0.99358517,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04054469242691994},{"word":"see","start":1325.315,"end":1325.5549,"confidence":0.9967566,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.03605053573846817},{"word":"certain","start":1325.5549,"end":1325.955,"confidence":0.984098,"punctuated_word":"certain","sentiment":"neutral","sentiment_score":0.05009499192237854},{"word":"specialists","start":1325.955,"end":1326.455,"confidence":0.93111944,"punctuated_word":"specialists","sentiment":"neutral","sentiment_score":0.019212407991290092},{"word":"depending","start":1326.595,"end":1326.995,"confidence":0.9059527,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.10822346806526184},{"word":"on","start":1326.995,"end":1327.1549,"confidence":0.98926955,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09338199347257614},{"word":"what","start":1327.1549,"end":1327.315,"confidence":0.9797568,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08802606910467148},{"word":"the","start":1327.315,"end":1327.475,"confidence":0.99786264,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0830218642950058},{"word":"diagnosis","start":1327.475,"end":1327.975,"confidence":0.99658823,"punctuated_word":"diagnosis","sentiment":"neutral","sentiment_score":0.04386517032980919},{"word":"is","start":1328.395,"end":1328.895,"confidence":0.9985749,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.04404541105031967},{"word":"after","start":1329.315,"end":1329.5549,"confidence":0.9977323,"punctuated_word":"After","sentiment":"neutral","sentiment_score":0.08911512792110443},{"word":"this","start":1329.5549,"end":1329.7949,"confidence":0.7497852,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.101976677775383},{"word":"after","start":1330.2749,"end":1330.595,"confidence":0.9937727,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.09458878636360168},{"word":"he","start":1330.595,"end":1330.7549,"confidence":0.99945766,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.12327535450458528},{"word":"turns","start":1330.7549,"end":1331.1549,"confidence":0.99885154,"punctuated_word":"turns","sentiment":"neutral","sentiment_score":0.10266849398612976},{"word":"age","start":1331.1549,"end":1331.55,"confidence":0.9815429,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.0907590389251709},{"word":"21","start":1331.7101,"end":1332.53,"confidence":0.99943864,"punctuated_word":"21,","sentiment":"neutral","sentiment_score":0.08885888010263443},{"word":"the","start":1332.75,"end":1332.99,"confidence":0.9347328,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11584732681512833},{"word":"policy","start":1332.99,"end":1333.4701,"confidence":0.9999212,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.1270212680101395},{"word":"can","start":1333.4701,"end":1333.7101,"confidence":0.99981433,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.14470161497592926},{"word":"be","start":1333.7101,"end":1333.87,"confidence":0.9991567,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1705232858657837},{"word":"converted","start":1333.87,"end":1334.27,"confidence":0.9570231,"punctuated_word":"converted","sentiment":"neutral","sentiment_score":0.21155647933483124},{"word":"to","start":1334.27,"end":1334.51,"confidence":0.9993672,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24427226185798645},{"word":"a","start":1334.51,"end":1334.67,"confidence":0.9990177,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21612535417079928},{"word":"life","start":1334.67,"end":1334.91,"confidence":0.9900247,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.18801149725914},{"word":"with","start":1334.91,"end":1335.2301,"confidence":0.9987465,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2045203596353531},{"word":"attached","start":1335.2301,"end":1335.63,"confidence":0.9906729,"punctuated_word":"attached","sentiment":"neutral","sentiment_score":0.19720181822776792},{"word":"trauma","start":1335.63,"end":1336.03,"confidence":0.99138683,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.12989193201065063},{"word":"policy","start":1336.03,"end":1336.43,"confidence":0.99282706,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":0.2017478048801422},{"word":"there's","start":1336.43,"end":1336.75,"confidence":0.99945736,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.2298874855041504},{"word":"no","start":1336.75,"end":1336.99,"confidence":0.9997651,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.15745314955711365},{"word":"additional","start":1336.99,"end":1337.4701,"confidence":0.9998202,"punctuated_word":"additional","sentiment":"neutral","sentiment_score":0.09000846743583679},{"word":"underwriting","start":1337.4701,"end":1337.9701,"confidence":0.9990551,"punctuated_word":"underwriting","sentiment":"neutral","sentiment_score":0.11282195150852203},{"word":"for","start":1338.03,"end":1338.27,"confidence":0.9931191,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1709674447774887},{"word":"that","start":1338.27,"end":1338.77,"confidence":0.7887427,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.1599828600883484},{"word":"and","start":1338.8301,"end":1339.0701,"confidence":0.8886204,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.21200162172317505},{"word":"essentially","start":1339.0701,"end":1339.5701,"confidence":0.9996517,"punctuated_word":"essentially,","sentiment":"neutral","sentiment_score":0.21990108489990232},{"word":"oscar","start":1339.7101,"end":1340.1101,"confidence":0.99212205,"punctuated_word":"Oscar","sentiment":"positive","sentiment_score":0.337884783744812},{"word":"then","start":1340.1101,"end":1340.43,"confidence":0.99165726,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.28502869606018066},{"word":"becomes","start":1340.43,"end":1340.91,"confidence":0.99910754,"punctuated_word":"becomes","sentiment":"neutral","sentiment_score":0.24384446442127228},{"word":"the","start":1340.91,"end":1341.2301,"confidence":0.99926156,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2666943669319153},{"word":"policy","start":1341.2301,"end":1341.63,"confidence":0.9994342,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.24242982268333435},{"word":"holder","start":1341.63,"end":1342.13,"confidence":0.51143193,"punctuated_word":"holder","sentiment":"neutral","sentiment_score":0.2406036406755447},{"word":"of","start":1342.1901,"end":1342.27,"confidence":0.9994355,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2568872570991516},{"word":"that","start":1342.27,"end":1342.5901,"confidence":0.9994641,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2799623906612396},{"word":"policy","start":1342.5901,"end":1343.0701,"confidence":0.835274,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":0.21229082345962524},{"word":"and","start":1343.0701,"end":1343.2301,"confidence":0.9995552,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.283908873796463},{"word":"because","start":1343.2301,"end":1343.4701,"confidence":0.998711,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.24098221957683563},{"word":"he's","start":1343.4701,"end":1343.7101,"confidence":0.99113715,"punctuated_word":"he's","sentiment":"positive","sentiment_score":0.3586289882659912},{"word":"held","start":1343.7101,"end":1343.9501,"confidence":0.99856323,"punctuated_word":"held","sentiment":"neutral","sentiment_score":0.27791503071784973},{"word":"at","start":1343.9501,"end":1344.1101,"confidence":0.82916605,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.27314552664756775},{"word":"the","start":1344.1101,"end":1344.1901,"confidence":0.9686366,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.31181731820106506},{"word":"time","start":1344.1901,"end":1344.51,"confidence":0.9983259,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.2792968153953552},{"word":"it","start":1344.51,"end":1344.67,"confidence":0.9994106,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.37001797556877136},{"word":"automatically","start":1344.67,"end":1345.17,"confidence":0.94912714,"punctuated_word":"automatically","sentiment":"positive","sentiment_score":0.40833836793899536},{"word":"transfers","start":1345.39,"end":1345.89,"confidence":0.7834456,"punctuated_word":"transfers,","sentiment":"neutral","sentiment_score":0.3076697289943695},{"word":"and","start":1345.9501,"end":1346.1101,"confidence":0.9796468,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.33585894107818604},{"word":"he","start":1346.1101,"end":1346.1901,"confidence":0.9911656,"punctuated_word":"he","sentiment":"positive","sentiment_score":0.4486001133918762},{"word":"just","start":1346.1901,"end":1346.43,"confidence":0.9769941,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4090660810470581},{"word":"keeps","start":1346.43,"end":1346.67,"confidence":0.9840805,"punctuated_word":"keeps","sentiment":"positive","sentiment_score":0.3959825336933136},{"word":"paying","start":1346.67,"end":1346.99,"confidence":0.99610496,"punctuated_word":"paying","sentiment":"positive","sentiment_score":0.3658404052257538},{"word":"the","start":1346.99,"end":1347.165,"confidence":0.7239814,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4319313764572144},{"word":"premium","start":1347.245,"end":1347.4451,"confidence":0.9108639,"punctuated_word":"premium","sentiment":"positive","sentiment_score":0.3664443492889404},{"word":"for","start":1347.4451,"end":1347.645,"confidence":0.99702114,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5062600374221802},{"word":"it","start":1347.645,"end":1347.805,"confidence":0.9796002,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.35834652185440063},{"word":"which","start":1347.805,"end":1348.125,"confidence":0.9999474,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.5074768662452698},{"word":"is","start":1348.125,"end":1348.285,"confidence":0.99914575,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.42287707328796387},{"word":"kinda","start":1348.285,"end":1348.605,"confidence":0.9946359,"punctuated_word":"kinda","sentiment":"positive","sentiment_score":0.4329387247562408},{"word":"cool","start":1348.605,"end":1349.105,"confidence":0.99954164,"punctuated_word":"cool.","sentiment":"positive","sentiment_score":0.5053619146347046},{"word":"the","start":1350.4451,"end":1350.8451,"confidence":0.6840915,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.3456325829029083},{"word":"other","start":1350.8451,"end":1351.165,"confidence":0.9991585,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.27682235836982727},{"word":"side","start":1351.165,"end":1351.665,"confidence":0.9918487,"punctuated_word":"side","sentiment":"positive","sentiment_score":0.35431379079818726},{"word":"of","start":1351.7251,"end":1351.885,"confidence":0.99981517,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3267821669578552},{"word":"the","start":1351.885,"end":1351.9651,"confidence":0.99985254,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.42436715960502625},{"word":"policy","start":1351.9651,"end":1352.4451,"confidence":0.85316455,"punctuated_word":"policy,","sentiment":"positive","sentiment_score":0.3951647877693176},{"word":"which","start":1352.4451,"end":1352.685,"confidence":0.9964115,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.49777132272720337},{"word":"i","start":1352.685,"end":1352.8451,"confidence":0.99480575,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5792844295501709},{"word":"think","start":1352.8451,"end":1353.0851,"confidence":0.9999263,"punctuated_word":"think","sentiment":"positive","sentiment_score":0.6679582595825195},{"word":"is","start":1353.0851,"end":1353.245,"confidence":0.99817693,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6580051779747009},{"word":"really","start":1353.245,"end":1353.5651,"confidence":0.99993575,"punctuated_word":"really","sentiment":"positive","sentiment_score":0.6244285702705383},{"word":"awesome","start":1353.5651,"end":1354.0651,"confidence":0.9599308,"punctuated_word":"awesome,","sentiment":"positive","sentiment_score":0.5579518675804138},{"word":"is","start":1354.285,"end":1354.605,"confidence":0.9998815,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.426683247089386},{"word":"that","start":1354.605,"end":1355.105,"confidence":0.99976164,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4328860938549042},{"word":"if","start":1355.405,"end":1355.645,"confidence":0.97069484,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4255000650882721},{"word":"anything","start":1355.645,"end":1356.045,"confidence":0.9998379,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.35187965631484985},{"word":"was","start":1356.045,"end":1356.285,"confidence":0.9855993,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.31023895740509033},{"word":"to","start":1356.285,"end":1356.365,"confidence":0.9976069,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20040595531463623},{"word":"happen","start":1356.365,"end":1356.685,"confidence":0.9981887,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":0.2112169861793518},{"word":"to","start":1356.685,"end":1356.8451,"confidence":0.99834347,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19173964858055115},{"word":"you","start":1356.8451,"end":1357.0851,"confidence":0.9035083,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2282781153917313},{"word":"we","start":1357.0851,"end":1357.3251,"confidence":0.9997727,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.20723330974578855},{"word":"hope","start":1357.3251,"end":1357.5651,"confidence":0.99956864,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":0.1416182518005371},{"word":"nothing","start":1357.5651,"end":1357.9651,"confidence":0.99982613,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":0.11429789662361144},{"word":"ever","start":1357.9651,"end":1358.2051,"confidence":0.9996105,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":0.16959519684314728},{"word":"does","start":1358.2051,"end":1358.605,"confidence":0.75000656,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.1854985803365707},{"word":"but","start":1358.605,"end":1358.925,"confidence":0.99969923,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.3294123709201813},{"word":"because","start":1358.925,"end":1359.3251,"confidence":0.99748296,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.3227648437023163},{"word":"you","start":1359.3251,"end":1359.5651,"confidence":0.9999188,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4418603479862213},{"word":"are","start":1359.5651,"end":1359.805,"confidence":0.9998561,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.4012140333652496},{"word":"the","start":1359.805,"end":1359.9651,"confidence":0.99980813,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1984960585832596},{"word":"policy","start":1359.9651,"end":1360.4651,"confidence":0.9997055,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.28430211544036865},{"word":"owner","start":1360.525,"end":1360.8451,"confidence":0.9272307,"punctuated_word":"owner","sentiment":"neutral","sentiment_score":0.2514716386795044},{"word":"of","start":1360.8451,"end":1361.005,"confidence":0.9997943,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2348444163799286},{"word":"these","start":1361.005,"end":1361.245,"confidence":0.99784565,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.22440531849861145},{"word":"policies","start":1361.245,"end":1361.745,"confidence":0.9959439,"punctuated_word":"policies,","sentiment":"neutral","sentiment_score":0.1704900860786438},{"word":"if","start":1362.2201,"end":1362.4601,"confidence":0.99864537,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.19573354721069336},{"word":"something","start":1362.4601,"end":1362.78,"confidence":0.9997383,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.12699483335018158},{"word":"happened","start":1362.78,"end":1363.1001,"confidence":0.8769809,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":0.06385305523872375},{"word":"to","start":1363.1001,"end":1363.3401,"confidence":0.99920875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04331004619598389},{"word":"you","start":1363.3401,"end":1363.5801,"confidence":0.9662249,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.11057845503091812},{"word":"if","start":1363.5801,"end":1363.7401,"confidence":0.9993749,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12183688580989838},{"word":"you","start":1363.7401,"end":1363.9,"confidence":0.99978787,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11206799745559692},{"word":"were","start":1363.9,"end":1364.14,"confidence":0.9954769,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.07170552760362625},{"word":"to","start":1364.14,"end":1364.2201,"confidence":0.9986803,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04715973138809204},{"word":"pass","start":1364.2201,"end":1364.4601,"confidence":0.99591726,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":0.022983133792877197},{"word":"away","start":1364.4601,"end":1364.8601,"confidence":0.9651879,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":0.09556330740451811},{"word":"your","start":1364.8601,"end":1365.1001,"confidence":0.9991424,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14590445160865784},{"word":"life","start":1365.1001,"end":1365.3401,"confidence":0.995316,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.10817942768335342},{"word":"cover","start":1365.3401,"end":1365.66,"confidence":0.9986349,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.17942243814468384},{"word":"was","start":1365.66,"end":1365.9,"confidence":0.999114,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.16249702870845795},{"word":"fully","start":1365.9,"end":1366.2201,"confidence":0.9996699,"punctuated_word":"fully","sentiment":"neutral","sentiment_score":0.2230020761489868},{"word":"paid","start":1366.2201,"end":1366.54,"confidence":0.9994487,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.18809401988983152},{"word":"out","start":1366.54,"end":1367.04,"confidence":0.8881543,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.20258215069770813},{"word":"the","start":1367.42,"end":1367.66,"confidence":0.5310109,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21859024465084076},{"word":"policy","start":1367.66,"end":1368.06,"confidence":0.9998833,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.25913238525390625},{"word":"then","start":1368.06,"end":1368.3,"confidence":0.9959655,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.24128222465515137},{"word":"becomes","start":1368.3,"end":1368.7001,"confidence":0.9984478,"punctuated_word":"becomes","sentiment":"neutral","sentiment_score":0.20299232006073},{"word":"a","start":1368.7001,"end":1368.9401,"confidence":0.92293644,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1990441530942917},{"word":"standalone","start":1368.9401,"end":1369.4401,"confidence":0.5242203,"punctuated_word":"standalone","sentiment":"neutral","sentiment_score":0.1796199381351471},{"word":"child","start":1369.66,"end":1369.9801,"confidence":0.9923524,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.17911499738693237},{"word":"trauma","start":1369.9801,"end":1370.4601,"confidence":0.98946965,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.1345705687999725},{"word":"policy","start":1370.4601,"end":1370.9601,"confidence":0.9826515,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":0.173265740275383},{"word":"so","start":1371.5801,"end":1371.7401,"confidence":0.9498684,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1105826124548912},{"word":"long","start":1371.7401,"end":1371.9801,"confidence":0.9687396,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.11982707679271698},{"word":"as","start":1371.9801,"end":1372.14,"confidence":0.99840504,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.18079648911952972},{"word":"he","start":1372.14,"end":1372.2201,"confidence":0.9985089,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.1792096197605133},{"word":"is","start":1372.2201,"end":1372.7201,"confidence":0.9973304,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13898152112960815},{"word":"over","start":1372.8601,"end":1373.18,"confidence":0.96091473,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.17783379554748535},{"word":"10","start":1373.18,"end":1373.42,"confidence":0.99980384,"punctuated_word":"10","sentiment":"neutral","sentiment_score":0.12298817187547684},{"word":"years","start":1373.42,"end":1373.7401,"confidence":0.99996006,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.11702566593885422},{"word":"of","start":1373.7401,"end":1373.9,"confidence":0.9996306,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10695398598909378},{"word":"age","start":1373.9,"end":1374.38,"confidence":0.9999281,"punctuated_word":"age","sentiment":"neutral","sentiment_score":0.10501965880393982},{"word":"and","start":1374.38,"end":1374.88,"confidence":0.96764773,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09037872403860092},{"word":"your","start":1374.9401,"end":1375.26,"confidence":0.99677235,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.12933610379695892},{"word":"wife","start":1375.26,"end":1375.5801,"confidence":0.9996099,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":0.14209219813346863},{"word":"provides","start":1375.5801,"end":1376.0801,"confidence":0.9731836,"punctuated_word":"provides","sentiment":"neutral","sentiment_score":0.10782093554735184},{"word":"consent","start":1376.4601,"end":1376.9601,"confidence":0.9837899,"punctuated_word":"consent,","sentiment":"neutral","sentiment_score":0.14956864714622498},{"word":"he","start":1377.245,"end":1377.485,"confidence":0.99735415,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.18145516514778137},{"word":"can","start":1377.485,"end":1377.645,"confidence":0.99961215,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16506727039813995},{"word":"then","start":1377.645,"end":1377.9651,"confidence":0.9990959,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14399199187755585},{"word":"continue","start":1377.9651,"end":1378.4451,"confidence":0.998555,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.17950017750263214},{"word":"to","start":1378.4451,"end":1378.605,"confidence":0.9995245,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11833162605762482},{"word":"hold","start":1378.605,"end":1378.925,"confidence":0.999871,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":0.09904345124959946},{"word":"the","start":1378.925,"end":1379.0851,"confidence":0.9993906,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09410260617733002},{"word":"policy","start":1379.0851,"end":1379.5851,"confidence":0.99377203,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":0.10436677932739258},{"word":"if","start":1380.045,"end":1380.2051,"confidence":0.8121046,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.1135127693414688},{"word":"he's","start":1380.2051,"end":1380.4451,"confidence":0.998539,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.12780222296714783},{"word":"10","start":1380.4451,"end":1381.005,"confidence":0.9910774,"punctuated_word":"10,","sentiment":"neutral","sentiment_score":0.12942957878112793},{"word":"it","start":1381.005,"end":1381.245,"confidence":0.9748905,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.16294027864933014},{"word":"still","start":1381.245,"end":1381.485,"confidence":0.98464465,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.13683100044727323},{"word":"stays","start":1381.485,"end":1381.885,"confidence":0.92889494,"punctuated_word":"stays","sentiment":"neutral","sentiment_score":0.10776865482330322},{"word":"as","start":1381.885,"end":1382.045,"confidence":0.99804604,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09016656875610352},{"word":"a","start":1382.045,"end":1382.525,"confidence":0.9990582,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14471983909606934},{"word":"a","start":1382.525,"end":1382.605,"confidence":0.6001531,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14126205444335938},{"word":"stand","start":1382.605,"end":1382.925,"confidence":0.5571553,"punctuated_word":"stand","sentiment":"neutral","sentiment_score":0.12223511934280396},{"word":"alone","start":1382.925,"end":1383.3251,"confidence":0.9991805,"punctuated_word":"alone","sentiment":"neutral","sentiment_score":0.09377282857894896},{"word":"policy","start":1383.3251,"end":1383.7251,"confidence":0.9698969,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":0.13411962985992432},{"word":"but","start":1383.7251,"end":1383.885,"confidence":0.99965084,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1495215892791748},{"word":"it","start":1383.885,"end":1384.045,"confidence":0.9875235,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1957528293132782},{"word":"just","start":1384.045,"end":1384.2051,"confidence":0.99613094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15845836699008942},{"word":"means","start":1384.2051,"end":1384.365,"confidence":0.9710435,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.1447119116783142},{"word":"that","start":1384.365,"end":1384.605,"confidence":0.9987004,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19095733761787417},{"word":"your","start":1384.605,"end":1384.765,"confidence":0.99894696,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19137515127658844},{"word":"wife","start":1384.765,"end":1385.005,"confidence":0.99970216,"punctuated_word":"wife","sentiment":"neutral","sentiment_score":0.18773946166038513},{"word":"looks","start":1385.005,"end":1385.245,"confidence":0.9792686,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.1458815336227417},{"word":"after","start":1385.245,"end":1385.5651,"confidence":0.9988662,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.16670474410057068},{"word":"it","start":1385.5651,"end":1385.645,"confidence":0.94146115,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.18057425320148468},{"word":"for","start":1385.645,"end":1385.885,"confidence":0.99966073,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13679300248622894},{"word":"him","start":1385.885,"end":1386.365,"confidence":0.9848285,"punctuated_word":"him.","sentiment":"neutral","sentiment_score":0.11562758684158324},{"word":"but","start":1386.365,"end":1386.525,"confidence":0.99896157,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.18646018207073212},{"word":"it","start":1386.525,"end":1386.685,"confidence":0.9928665,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1910592019557953},{"word":"means","start":1386.685,"end":1387.005,"confidence":0.99992955,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.15046265721321106},{"word":"that","start":1387.005,"end":1387.245,"confidence":0.9995844,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2456127405166626},{"word":"if","start":1387.245,"end":1387.405,"confidence":0.99857116,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.23722359538078308},{"word":"you","start":1387.405,"end":1387.5651,"confidence":0.9990433,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18062549829483032},{"word":"pass","start":1387.5651,"end":1387.885,"confidence":0.78391635,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.001395583152770996},{"word":"away","start":1387.885,"end":1388.125,"confidence":0.894699,"punctuated_word":"away,","sentiment":"neutral","sentiment_score":0.09702715277671814},{"word":"if","start":1388.125,"end":1388.285,"confidence":0.9758863,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.161611869931221},{"word":"something","start":1388.285,"end":1388.605,"confidence":0.99985635,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.07516605406999588},{"word":"happens","start":1388.605,"end":1389.005,"confidence":0.9996001,"punctuated_word":"happens","sentiment":"neutral","sentiment_score":0.006783798336982727},{"word":"to","start":1389.005,"end":1389.165,"confidence":0.9987826,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.012626126408576964},{"word":"yourself","start":1389.165,"end":1389.5651,"confidence":0.99805754,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.102979876101017},{"word":"and","start":1389.5651,"end":1389.805,"confidence":0.92415553,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08918657898902893},{"word":"the","start":1389.805,"end":1389.885,"confidence":0.5636835,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09316468983888626},{"word":"life","start":1389.885,"end":1390.125,"confidence":0.99048036,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.03128722310066223},{"word":"cover","start":1390.125,"end":1390.47,"confidence":0.95705926,"punctuated_word":"cover","sentiment":"neutral","sentiment_score":0.11703035980463028},{"word":"paid","start":1390.47,"end":1390.7899,"confidence":0.9930097,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.1720432490110397},{"word":"out","start":1390.7899,"end":1391.03,"confidence":0.9960309,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.1977175772190094},{"word":"the","start":1391.03,"end":1391.27,"confidence":0.99973756,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.291974812746048},{"word":"policy","start":1391.27,"end":1391.75,"confidence":0.99986064,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.31239524483680725},{"word":"can","start":1391.75,"end":1392.15,"confidence":0.9997992,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2715238034725189},{"word":"remain","start":1392.15,"end":1392.63,"confidence":0.99901545,"punctuated_word":"remain","sentiment":"neutral","sentiment_score":0.2202736735343933},{"word":"for","start":1392.63,"end":1392.87,"confidence":0.99986005,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2111407071352005},{"word":"him","start":1392.87,"end":1393.11,"confidence":0.99979216,"punctuated_word":"him","sentiment":"neutral","sentiment_score":0.2693733274936676},{"word":"so","start":1393.11,"end":1393.35,"confidence":0.45276728,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.3584648370742798},{"word":"he","start":1393.35,"end":1393.4299,"confidence":0.99933845,"punctuated_word":"he","sentiment":"positive","sentiment_score":0.36137789487838745},{"word":"does","start":1393.4299,"end":1393.6699,"confidence":0.9985911,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.3285173177719116},{"word":"get","start":1393.6699,"end":1393.83,"confidence":0.9581802,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.2928864359855652},{"word":"that","start":1393.83,"end":1394.07,"confidence":0.8587732,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19771555066108704},{"word":"benefit","start":1394.07,"end":1394.57,"confidence":0.63263565,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.2275772988796234},{"word":"long","start":1394.71,"end":1394.87,"confidence":0.9980021,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.27007824182510376},{"word":"term","start":1394.87,"end":1395.37,"confidence":0.9988338,"punctuated_word":"term.","sentiment":"neutral","sentiment_score":0.2250725030899048},{"word":"okay","start":1395.59,"end":1396.09,"confidence":0.9835504,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.10498315095901488},{"word":"yeah","start":1397.4299,"end":1397.9299,"confidence":0.9837744,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0965813845396042},{"word":"the","start":1398.95,"end":1399.19,"confidence":0.67978644,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.25934556126594543},{"word":"risks","start":1399.19,"end":1399.59,"confidence":0.93825734,"punctuated_word":"risks","sentiment":"negative","sentiment_score":-0.33708909153938293},{"word":"involved","start":1399.59,"end":1400.07,"confidence":0.9906059,"punctuated_word":"involved","sentiment":"neutral","sentiment_score":-0.2480915933847427},{"word":"with","start":1400.07,"end":1400.23,"confidence":0.9929012,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.26446637511253357},{"word":"having","start":1400.23,"end":1400.5499,"confidence":0.730787,"punctuated_word":"having,","sentiment":"neutral","sentiment_score":-0.25040581822395325},{"word":"obviously","start":1400.5499,"end":1400.95,"confidence":0.9852109,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":-0.26499250531196594},{"word":"with","start":1400.95,"end":1401.27,"confidence":0.99955386,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.23972609639167783},{"word":"all","start":1401.27,"end":1401.51,"confidence":0.98053545,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.1911306083202362},{"word":"insurances","start":1401.51,"end":1402.01,"confidence":0.9510158,"punctuated_word":"insurances,","sentiment":"neutral","sentiment_score":-0.19714850187301636},{"word":"there","start":1402.15,"end":1402.3099,"confidence":0.9958264,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.3049095869064331},{"word":"is","start":1402.3099,"end":1402.47,"confidence":0.9996592,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.32350343465805054},{"word":"the","start":1402.47,"end":1402.63,"confidence":0.86530614,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.30565932393074036},{"word":"bigger","start":1402.63,"end":1403.03,"confidence":0.97696006,"punctuated_word":"bigger","sentiment":"neutral","sentiment_score":-0.3220739960670471},{"word":"risk","start":1403.03,"end":1403.27,"confidence":0.9951892,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.3306533098220825},{"word":"that","start":1403.27,"end":1403.51,"confidence":0.9954216,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.34457844495773315},{"word":"if","start":1403.51,"end":1403.75,"confidence":0.99388427,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.3412846326828003},{"word":"you","start":1403.75,"end":1404.075,"confidence":0.99970347,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.34938839077949524},{"word":"have","start":1404.235,"end":1404.5549,"confidence":0.999326,"punctuated_word":"have","sentiment":"negative","sentiment_score":-0.3441888689994812},{"word":"these","start":1404.5549,"end":1404.715,"confidence":0.99940133,"punctuated_word":"these","sentiment":"negative","sentiment_score":-0.35742348432540894},{"word":"policies","start":1404.715,"end":1405.215,"confidence":0.99954957,"punctuated_word":"policies","sentiment":"negative","sentiment_score":-0.34936994314193726},{"word":"and","start":1405.355,"end":1405.5149,"confidence":0.968474,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.26846709847450256},{"word":"that","start":1405.5149,"end":1405.755,"confidence":0.9981652,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2829427421092987},{"word":"you","start":1405.755,"end":1406.075,"confidence":0.99979264,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.24890932440757751},{"word":"never","start":1406.075,"end":1406.3949,"confidence":0.9982894,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.2812412977218628},{"word":"actually","start":1406.3949,"end":1406.715,"confidence":0.9958169,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.3298428952693939},{"word":"claim","start":1406.715,"end":1406.955,"confidence":0.99342114,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":-0.2440100610256195},{"word":"on","start":1406.955,"end":1407.115,"confidence":0.9992459,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2904745638370514},{"word":"them","start":1407.115,"end":1407.355,"confidence":0.99981385,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.28420713543891907},{"word":"and","start":1407.355,"end":1407.5149,"confidence":0.8292092,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.31222906708717346},{"word":"we","start":1407.5149,"end":1407.6749,"confidence":0.9991505,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.3012925386428833},{"word":"get","start":1407.6749,"end":1407.9149,"confidence":0.99912983,"punctuated_word":"get","sentiment":"negative","sentiment_score":-0.3616275191307068},{"word":"rid","start":1407.9149,"end":1408.075,"confidence":0.99885905,"punctuated_word":"rid","sentiment":"neutral","sentiment_score":-0.2862706184387207},{"word":"of","start":1408.075,"end":1408.1549,"confidence":0.9092823,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.39164936542510986},{"word":"them","start":1408.1549,"end":1408.315,"confidence":0.9978721,"punctuated_word":"them","sentiment":"negative","sentiment_score":-0.3957199156284332},{"word":"at","start":1408.315,"end":1408.3949,"confidence":0.99824643,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.36197060346603394},{"word":"some","start":1408.3949,"end":1408.5549,"confidence":0.9994431,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.2650529742240906},{"word":"point","start":1408.5549,"end":1408.7949,"confidence":0.99983335,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.2880890369415283},{"word":"or","start":1408.7949,"end":1408.875,"confidence":0.8164259,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.2707487940788269},{"word":"they","start":1408.875,"end":1409.375,"confidence":0.99109554,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.3264012038707733},{"word":"just","start":1409.6749,"end":1409.9149,"confidence":0.7652664,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.2794819474220276},{"word":"get","start":1409.9149,"end":1410.075,"confidence":0.95263064,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.29273301362991333},{"word":"to","start":1410.075,"end":1410.475,"confidence":0.9574038,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2944640517234802},{"word":"expiry","start":1410.475,"end":1410.975,"confidence":0.97479874,"punctuated_word":"expiry","sentiment":"neutral","sentiment_score":-0.24425430595874784},{"word":"age","start":1411.115,"end":1411.615,"confidence":0.94972605,"punctuated_word":"age,","sentiment":"neutral","sentiment_score":-0.23984169960021973},{"word":"the","start":1411.835,"end":1411.995,"confidence":0.68313426,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3110055923461914},{"word":"biggest","start":1411.995,"end":1412.315,"confidence":0.99986243,"punctuated_word":"biggest","sentiment":"negative","sentiment_score":-0.3559739887714386},{"word":"risk","start":1412.315,"end":1412.5549,"confidence":0.999049,"punctuated_word":"risk","sentiment":"negative","sentiment_score":-0.3525843620300293},{"word":"is","start":1412.5549,"end":1412.7949,"confidence":0.99607486,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.3156614601612091},{"word":"you","start":1412.7949,"end":1412.875,"confidence":0.9940294,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.34961873292922974},{"word":"could","start":1412.875,"end":1413.195,"confidence":0.9998317,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.3163977265357971},{"word":"have","start":1413.195,"end":1413.355,"confidence":0.9997019,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.3015177845954895},{"word":"them","start":1413.355,"end":1413.6749,"confidence":0.9978243,"punctuated_word":"them","sentiment":"negative","sentiment_score":-0.3866211473941803},{"word":"never","start":1413.6749,"end":1413.9149,"confidence":0.91655785,"punctuated_word":"never","sentiment":"neutral","sentiment_score":-0.3256084620952606},{"word":"have","start":1413.9149,"end":1414.1549,"confidence":0.9984686,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.3285081386566162},{"word":"to","start":1414.1549,"end":1414.235,"confidence":0.971422,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.3869580924510956},{"word":"claim","start":1414.235,"end":1414.5549,"confidence":0.98803294,"punctuated_word":"claim.","sentiment":"neutral","sentiment_score":-0.28798699378967285},{"word":"that's","start":1414.5549,"end":1414.875,"confidence":0.99958146,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.01705634593963623},{"word":"also","start":1414.875,"end":1415.195,"confidence":0.9979494,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.007011353969573975},{"word":"the","start":1415.195,"end":1415.2749,"confidence":0.99952424,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03365962207317352},{"word":"biggest","start":1415.2749,"end":1415.6749,"confidence":0.9999192,"punctuated_word":"biggest","sentiment":"neutral","sentiment_score":0.15310321748256683},{"word":"benefit","start":1415.6749,"end":1416.075,"confidence":0.9995357,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":0.2006317675113678},{"word":"of","start":1416.075,"end":1416.1549,"confidence":0.99182445,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.33768555521965027},{"word":"the","start":1416.1549,"end":1416.315,"confidence":0.99931145,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3231046795845032},{"word":"policies","start":1416.315,"end":1416.815,"confidence":0.92692417,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.28670987486839294},{"word":"because","start":1416.955,"end":1417.455,"confidence":0.58672386,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.2290678173303604},{"word":"as","start":1417.78,"end":1417.94,"confidence":0.99986446,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.24351871013641355},{"word":"much","start":1417.94,"end":1418.1,"confidence":0.9997253,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.24070148169994351},{"word":"as","start":1418.1,"end":1418.6,"confidence":0.998257,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.197418212890625},{"word":"having","start":1418.66,"end":1418.98,"confidence":0.99288285,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.2749401330947876},{"word":"the","start":1418.98,"end":1419.22,"confidence":0.9997197,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21656014025211337},{"word":"policies","start":1419.22,"end":1419.7,"confidence":0.9903341,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.1918291598558426},{"word":"and","start":1419.7,"end":1420.02,"confidence":0.82679456,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2890818119049072},{"word":"having","start":1420.02,"end":1420.34,"confidence":0.72804606,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.3060856759548187},{"word":"the","start":1420.34,"end":1420.42,"confidence":0.99808514,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.34418606758117676},{"word":"money","start":1420.42,"end":1420.82,"confidence":0.999881,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.3053065240383148},{"word":"paid","start":1420.82,"end":1421.0599,"confidence":0.9938046,"punctuated_word":"paid","sentiment":"positive","sentiment_score":0.3340296745300293},{"word":"at","start":1421.0599,"end":1421.3,"confidence":0.5762749,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.34225648641586304},{"word":"is","start":1421.3,"end":1421.46,"confidence":0.99800223,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.29409492015838623},{"word":"a","start":1421.46,"end":1421.54,"confidence":0.9991743,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2777712345123291},{"word":"good","start":1421.54,"end":1421.7,"confidence":0.99995387,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.33477920293807983},{"word":"thing","start":1421.7,"end":1421.94,"confidence":0.99986255,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.3360059857368469},{"word":"in","start":1421.94,"end":1422.1,"confidence":0.9989141,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.22283056378364563},{"word":"the","start":1422.1,"end":1422.18,"confidence":0.9994949,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19935493171215057},{"word":"event","start":1422.18,"end":1422.5,"confidence":0.9848824,"punctuated_word":"event","sentiment":"neutral","sentiment_score":0.1717751771211624},{"word":"of","start":1422.5,"end":1422.66,"confidence":0.9931462,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1244637817144394},{"word":"a","start":1422.66,"end":1422.74,"confidence":0.93075126,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14772969484329224},{"word":"claim","start":1422.74,"end":1423.24,"confidence":0.9741628,"punctuated_word":"claim,","sentiment":"neutral","sentiment_score":0.06427254527807236},{"word":"it","start":1423.62,"end":1423.78,"confidence":0.9963774,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1760949343442917},{"word":"also","start":1423.78,"end":1424.1,"confidence":0.99924856,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.1513877660036087},{"word":"means","start":1424.1,"end":1424.26,"confidence":0.99927384,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.016853153705596924},{"word":"that","start":1424.26,"end":1424.42,"confidence":0.9996543,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03883545100688934},{"word":"we've","start":1424.42,"end":1424.74,"confidence":0.99945605,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.1133633702993393},{"word":"lost","start":1424.74,"end":1424.98,"confidence":0.9998536,"punctuated_word":"lost","sentiment":"neutral","sentiment_score":-0.2376399338245392},{"word":"something","start":1424.98,"end":1425.38,"confidence":0.9596211,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":-0.2084457576274872},{"word":"there's","start":1425.38,"end":1425.62,"confidence":0.9970458,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.2892151176929474},{"word":"some","start":1425.62,"end":1425.86,"confidence":0.999843,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.3234124183654785},{"word":"sort","start":1425.86,"end":1426.1,"confidence":0.99718624,"punctuated_word":"sort","sentiment":"negative","sentiment_score":-0.4054681360721588},{"word":"of","start":1426.1,"end":1426.26,"confidence":0.9993349,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3796366155147553},{"word":"negative","start":1426.26,"end":1426.76,"confidence":0.7830667,"punctuated_word":"negative,","sentiment":"negative","sentiment_score":-0.44424968957901},{"word":"experience","start":1427.54,"end":1428.04,"confidence":0.88143057,"punctuated_word":"experience.","sentiment":"negative","sentiment_score":-0.47051435708999634},{"word":"we've","start":1428.18,"end":1428.66,"confidence":0.99696136,"punctuated_word":"We've","sentiment":"neutral","sentiment_score":-0.2706722915172577},{"word":"had","start":1428.66,"end":1428.9,"confidence":0.9084195,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.2837147116661072},{"word":"some","start":1428.9,"end":1429.0599,"confidence":0.93066835,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.2647780776023865},{"word":"sort","start":1429.0599,"end":1429.3,"confidence":0.99846137,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.2950184643268585},{"word":"of","start":1429.3,"end":1429.38,"confidence":0.99961394,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.31355413794517517},{"word":"a","start":1429.38,"end":1429.54,"confidence":0.99643433,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2703397870063782},{"word":"loss","start":1429.54,"end":1429.78,"confidence":0.98252165,"punctuated_word":"loss","sentiment":"neutral","sentiment_score":-0.25587359070777893},{"word":"to","start":1429.78,"end":1429.94,"confidence":0.99989283,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2195573449134827},{"word":"be","start":1429.94,"end":1430.1,"confidence":0.9999392,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.24828733503818512},{"word":"able","start":1430.1,"end":1430.34,"confidence":0.9999225,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.25599515438079834},{"word":"to","start":1430.34,"end":1430.42,"confidence":0.99817836,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1563996821641922},{"word":"make","start":1430.42,"end":1430.66,"confidence":0.9997129,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.1861196607351303},{"word":"that","start":1430.66,"end":1430.9,"confidence":0.99952245,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13763347268104553},{"word":"claim","start":1430.9,"end":1431.3,"confidence":0.8634628,"punctuated_word":"claim.","sentiment":"neutral","sentiment_score":-0.17106637358665466},{"word":"so","start":1431.3,"end":1431.8,"confidence":0.99890196,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.01922369748353958},{"word":"it","start":1431.9049,"end":1432.065,"confidence":0.9995597,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.020717166364192963},{"word":"is","start":1432.065,"end":1432.3049,"confidence":0.9999044,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.01350533962249756},{"word":"a","start":1432.3049,"end":1432.465,"confidence":0.9834589,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.011459145694971085},{"word":"benefit","start":1432.465,"end":1432.965,"confidence":0.9994486,"punctuated_word":"benefit","sentiment":"neutral","sentiment_score":-0.03836965560913086},{"word":"and","start":1433.0249,"end":1433.2649,"confidence":0.9920259,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.15362320840358734},{"word":"a","start":1433.2649,"end":1433.4249,"confidence":0.8874628,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21111977100372312},{"word":"risk","start":1433.4249,"end":1433.6649,"confidence":0.99995697,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.20701557397842407},{"word":"of","start":1433.6649,"end":1433.9049,"confidence":0.9996315,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.301662802696228},{"word":"having","start":1433.9049,"end":1434.1449,"confidence":0.99973196,"punctuated_word":"having","sentiment":"negative","sentiment_score":-0.3870358467102051},{"word":"these","start":1434.1449,"end":1434.385,"confidence":0.9851527,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.32834455370903015},{"word":"sorts","start":1434.385,"end":1434.625,"confidence":0.98180413,"punctuated_word":"sorts","sentiment":"negative","sentiment_score":-0.3730119466781616},{"word":"of","start":1434.625,"end":1434.7849,"confidence":0.9983493,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.30106091499328613},{"word":"policies","start":1434.7849,"end":1435.2849,"confidence":0.9994805,"punctuated_word":"policies.","sentiment":"neutral","sentiment_score":-0.17948946356773376},{"word":"okay","start":1435.6649,"end":1436.1649,"confidence":0.8787979,"punctuated_word":"Okay?","sentiment":"neutral","sentiment_score":0.067710280418396},{"word":"beautiful","start":1437.105,"end":1437.605,"confidence":0.9993787,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6848888397216797},{"word":"as","start":1438.465,"end":1438.705,"confidence":0.51997393,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.25730809569358826},{"word":"i","start":1438.705,"end":1438.865,"confidence":0.99941695,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1525016874074936},{"word":"mentioned","start":1438.865,"end":1439.1849,"confidence":0.9913602,"punctuated_word":"mentioned,","sentiment":"neutral","sentiment_score":0.17207816243171692},{"word":"i","start":1439.1849,"end":1439.345,"confidence":0.99349594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13723783195018768},{"word":"did","start":1439.345,"end":1439.505,"confidence":0.99021614,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.14405694603919983},{"word":"look","start":1439.505,"end":1439.6649,"confidence":0.9981845,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.08638184517621994},{"word":"at","start":1439.6649,"end":1439.825,"confidence":0.9981804,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1031467467546463},{"word":"alternative","start":1439.825,"end":1440.325,"confidence":0.8997685,"punctuated_word":"alternative","sentiment":"neutral","sentiment_score":0.062305815517902374},{"word":"options","start":1440.385,"end":1440.705,"confidence":0.8713099,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.07663758844137192},{"word":"that","start":1440.705,"end":1440.945,"confidence":0.4861683,"punctuated_word":"That,","sentiment":"neutral","sentiment_score":0.07929901033639908},{"word":"i","start":1440.945,"end":1441.0249,"confidence":0.4835246,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1282861828804016},{"word":"looked","start":1441.0249,"end":1441.2649,"confidence":0.9702903,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.09684035927057266},{"word":"at","start":1441.2649,"end":1441.4249,"confidence":0.98892736,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12623783946037292},{"word":"standalone","start":1441.4249,"end":1441.9249,"confidence":0.63922733,"punctuated_word":"standalone","sentiment":"neutral","sentiment_score":0.10514255613088608},{"word":"policies","start":1441.985,"end":1442.465,"confidence":0.99510664,"punctuated_word":"policies.","sentiment":"neutral","sentiment_score":0.07193958759307861},{"word":"i","start":1442.465,"end":1442.625,"confidence":0.9999125,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0618724524974823},{"word":"also","start":1442.625,"end":1442.945,"confidence":0.9991327,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.06566290557384491},{"word":"looked","start":1442.945,"end":1443.2649,"confidence":0.9991191,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.06245926767587662},{"word":"at","start":1443.2649,"end":1443.4249,"confidence":0.9988337,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.09352783858776093},{"word":"the","start":1443.4249,"end":1443.6649,"confidence":0.98943263,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08495335280895233},{"word":"life","start":1443.6649,"end":1443.9049,"confidence":0.9588848,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.05702264606952667},{"word":"trauma","start":1443.9049,"end":1444.225,"confidence":0.9991934,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.08770298957824707},{"word":"and","start":1444.225,"end":1444.465,"confidence":0.988451,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06003236770629883},{"word":"linking","start":1444.465,"end":1444.865,"confidence":0.9947634,"punctuated_word":"linking","sentiment":"neutral","sentiment_score":0.0661826878786087},{"word":"child","start":1444.865,"end":1445.105,"confidence":0.99017525,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.0845007449388504},{"word":"trauma","start":1445.105,"end":1445.4249,"confidence":0.9979942,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.13204576075077057},{"word":"with","start":1445.4249,"end":1445.6649,"confidence":0.9994536,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09941386431455612},{"word":"other","start":1445.6649,"end":1445.9049,"confidence":0.9995345,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.07068170607089996},{"word":"options","start":1445.9049,"end":1446.385,"confidence":0.99286133,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":0.0688844695687294},{"word":"however","start":1446.385,"end":1446.885,"confidence":0.99986446,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":0.13785302639007568},{"word":"this","start":1447.18,"end":1447.42,"confidence":0.9999051,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.26914775371551514},{"word":"was","start":1447.42,"end":1447.5,"confidence":0.99971396,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.26661384105682373},{"word":"the","start":1447.5,"end":1447.74,"confidence":0.9995072,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22310826182365415},{"word":"best","start":1447.74,"end":1448.06,"confidence":0.99982697,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.24509042501449585},{"word":"way","start":1448.06,"end":1448.3,"confidence":0.99981695,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.2713877856731415},{"word":"to","start":1448.3,"end":1448.46,"confidence":0.9995716,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30925649404525757},{"word":"go","start":1448.46,"end":1448.86,"confidence":0.92615235,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.3306218385696411},{"word":"it's","start":1448.86,"end":1449.1,"confidence":0.96981055,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.443974494934082},{"word":"much","start":1449.1,"end":1449.34,"confidence":0.9993043,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5475124716758728},{"word":"easier","start":1449.34,"end":1449.66,"confidence":0.989754,"punctuated_word":"easier","sentiment":"positive","sentiment_score":0.5204781889915466},{"word":"for","start":1449.66,"end":1449.8201,"confidence":0.89831525,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.49299880862236023},{"word":"yourself","start":1449.8201,"end":1450.22,"confidence":0.98522145,"punctuated_word":"yourself","sentiment":"positive","sentiment_score":0.4822019040584564},{"word":"and","start":1450.22,"end":1450.38,"confidence":0.3905511,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3738839030265808},{"word":"if","start":1450.38,"end":1450.54,"confidence":0.48569733,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.45106881856918335},{"word":"your","start":1450.54,"end":1450.7001,"confidence":0.98141646,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.36688098311424255},{"word":"policy","start":1450.7001,"end":1451.1,"confidence":0.717147,"punctuated_word":"policy","sentiment":"positive","sentiment_score":0.3782438635826111},{"word":"is","start":1451.1,"end":1451.26,"confidence":0.57064617,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.3977932333946228},{"word":"already","start":1451.26,"end":1451.5801,"confidence":0.9992853,"punctuated_word":"already","sentiment":"positive","sentiment_score":0.479564368724823},{"word":"enforced","start":1451.5801,"end":1452.06,"confidence":0.83763707,"punctuated_word":"enforced,","sentiment":"neutral","sentiment_score":0.3324849009513855},{"word":"you","start":1452.06,"end":1452.22,"confidence":0.9958307,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2511545419692993},{"word":"don't","start":1452.22,"end":1452.46,"confidence":0.9999089,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.16599076986312866},{"word":"wanna","start":1452.46,"end":1452.7001,"confidence":0.9967554,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1794668436050415},{"word":"have","start":1452.7001,"end":1452.86,"confidence":0.99726474,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.19520655274391177},{"word":"to","start":1452.86,"end":1452.9401,"confidence":0.99738675,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18312838673591617},{"word":"go","start":1452.9401,"end":1453.18,"confidence":0.9989868,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.13557299971580505},{"word":"through","start":1453.18,"end":1453.34,"confidence":0.9546449,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1644042283296585},{"word":"underwriting","start":1453.34,"end":1453.84,"confidence":0.9834177,"punctuated_word":"underwriting","sentiment":"neutral","sentiment_score":0.1559548377990723},{"word":"again","start":1453.98,"end":1454.48,"confidence":0.9120214,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.17228075861930847},{"word":"and","start":1454.9401,"end":1455.26,"confidence":0.9981249,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.20468267798423767},{"word":"the","start":1455.26,"end":1455.42,"confidence":0.9997861,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26440081000328064},{"word":"policy","start":1455.42,"end":1455.9,"confidence":0.9998659,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.23454248905181885},{"word":"can","start":1455.9,"end":1456.06,"confidence":0.99938226,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2822861671447754},{"word":"just","start":1456.06,"end":1456.3,"confidence":0.9973431,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.3247952461242676},{"word":"be","start":1456.3,"end":1456.38,"confidence":0.998665,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4228980243206024},{"word":"added","start":1456.38,"end":1456.7001,"confidence":0.99827754,"punctuated_word":"added","sentiment":"positive","sentiment_score":0.3977105915546417},{"word":"there","start":1456.7001,"end":1456.9401,"confidence":0.9977442,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.33942297101020813},{"word":"it's","start":1456.9401,"end":1457.18,"confidence":0.99970895,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.7012361288070679},{"word":"nice","start":1457.18,"end":1457.42,"confidence":0.9971623,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.7754049301147461},{"word":"and","start":1457.42,"end":1457.5801,"confidence":0.998478,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7356635928153992},{"word":"cost","start":1457.5801,"end":1457.8201,"confidence":0.99939775,"punctuated_word":"cost","sentiment":"positive","sentiment_score":0.715630829334259},{"word":"effective","start":1457.8201,"end":1458.3,"confidence":0.94849694,"punctuated_word":"effective,","sentiment":"positive","sentiment_score":0.6689953804016113},{"word":"which","start":1458.3,"end":1458.54,"confidence":0.99991894,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.6245178580284119},{"word":"is","start":1458.54,"end":1458.78,"confidence":0.9998492,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.603275716304779},{"word":"important","start":1458.78,"end":1459.26,"confidence":0.9996685,"punctuated_word":"important","sentiment":"positive","sentiment_score":0.46912652254104614},{"word":"as","start":1459.26,"end":1459.5,"confidence":0.99966586,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5402210354804993},{"word":"well","start":1459.5,"end":1459.9,"confidence":0.99857664,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.41600438952445984},{"word":"okay","start":1459.9,"end":1460.4,"confidence":0.9637067,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.101523295044899},{"word":"yeah","start":1460.995,"end":1461.315,"confidence":0.9354073,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06843075156211853},{"word":"do","start":1461.315,"end":1461.5549,"confidence":0.99239117,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.05047117546200752},{"word":"you","start":1461.5549,"end":1461.635,"confidence":0.9998499,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04497407376766205},{"word":"have","start":1461.635,"end":1461.875,"confidence":0.999696,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05480870604515076},{"word":"any","start":1461.875,"end":1462.195,"confidence":0.99946696,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.059919629245996475},{"word":"questions","start":1462.195,"end":1462.695,"confidence":0.9903261,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.05009693279862404},{"word":"so","start":1462.9149,"end":1463.235,"confidence":0.99092567,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.04004513844847679},{"word":"far","start":1463.235,"end":1463.635,"confidence":0.996989,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.044352464377880096},{"word":"is","start":1463.635,"end":1463.875,"confidence":0.99605054,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.032909050583839417},{"word":"there","start":1463.875,"end":1464.0349,"confidence":0.9989612,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.051587752997875214},{"word":"anything","start":1464.0349,"end":1464.355,"confidence":0.99954456,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.051720209419727325},{"word":"you","start":1464.355,"end":1464.515,"confidence":0.99901605,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.024997111409902573},{"word":"wanted","start":1464.515,"end":1464.755,"confidence":0.871607,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.027751661837100983},{"word":"me","start":1464.755,"end":1464.995,"confidence":0.99590516,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.02613336406648159},{"word":"to","start":1464.995,"end":1465.1549,"confidence":0.9942882,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027086809277534485},{"word":"touch","start":1465.1549,"end":1465.475,"confidence":0.9987692,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.031874917447566986},{"word":"further","start":1465.475,"end":1465.875,"confidence":0.997479,"punctuated_word":"further","sentiment":"neutral","sentiment_score":0.02978165447711945},{"word":"on","start":1465.875,"end":1466.375,"confidence":0.9976316,"punctuated_word":"on?","sentiment":"neutral","sentiment_score":0.030975043773651123},{"word":"no","start":1467.875,"end":1468.375,"confidence":0.7268552,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.17060500383377075},{"word":"yeah","start":1470.515,"end":1471.015,"confidence":0.975206,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012601500377058985},{"word":"yeah","start":1472.0349,"end":1472.5349,"confidence":0.9978061,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0056007662788033485},{"word":"yeah","start":1474.53,"end":1475.03,"confidence":0.99426866,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1102561503648758},{"word":"yep","start":1481.09,"end":1481.59,"confidence":0.7959353,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05916481837630272},{"word":"absolutely","start":1484.69,"end":1485.19,"confidence":0.877522,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.03953071683645248},{"word":"absolutely","start":1486.0549,"end":1486.5549,"confidence":0.99896055,"punctuated_word":"Absolutely.","sentiment":"neutral","sentiment_score":0.2861839532852173},{"word":"absolutely","start":1486.9349,"end":1487.4349,"confidence":0.9979998,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.46723300218582153},{"word":"it's","start":1487.495,"end":1487.735,"confidence":0.99657345,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6857937574386597},{"word":"a","start":1487.735,"end":1487.895,"confidence":0.99989724,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7568013668060303},{"word":"great","start":1487.895,"end":1488.215,"confidence":0.9999745,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.7889231443405151},{"word":"policy","start":1488.215,"end":1488.715,"confidence":0.9979849,"punctuated_word":"policy.","sentiment":"positive","sentiment_score":0.7408599853515625},{"word":"it's","start":1488.855,"end":1489.095,"confidence":0.9996786,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.7513470649719238},{"word":"nice","start":1489.095,"end":1489.335,"confidence":0.9986657,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.7888290286064148},{"word":"and","start":1489.335,"end":1489.495,"confidence":0.99805355,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7421634793281555},{"word":"cost","start":1489.495,"end":1489.735,"confidence":0.9996203,"punctuated_word":"cost","sentiment":"positive","sentiment_score":0.6693910956382751},{"word":"effective","start":1489.735,"end":1490.235,"confidence":0.9400414,"punctuated_word":"effective.","sentiment":"positive","sentiment_score":0.6470824480056763},{"word":"and","start":1491.1749,"end":1491.495,"confidence":0.8701264,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2828064560890198},{"word":"even","start":1491.495,"end":1491.815,"confidence":0.9887147,"punctuated_word":"even,","sentiment":"neutral","sentiment_score":0.15752863883972168},{"word":"like","start":1491.815,"end":1492.135,"confidence":0.9994738,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10381296277046204},{"word":"before","start":1492.135,"end":1492.455,"confidence":0.9996356,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.07309678196907043},{"word":"your","start":1492.455,"end":1492.9349,"confidence":0.99102986,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06831248104572296},{"word":"your","start":1492.9349,"end":1493.1749,"confidence":0.98177975,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.043004464358091354},{"word":"second","start":1493.1749,"end":1493.575,"confidence":0.9963685,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.03465111553668976},{"word":"son","start":1493.575,"end":1493.895,"confidence":0.9969195,"punctuated_word":"son","sentiment":"neutral","sentiment_score":0.05324283242225647},{"word":"turns","start":1493.895,"end":1494.375,"confidence":0.9553098,"punctuated_word":"turns","sentiment":"neutral","sentiment_score":0.058205027133226395},{"word":"two","start":1494.375,"end":1494.695,"confidence":0.90880203,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":0.04497727006673813},{"word":"let's","start":1494.695,"end":1495.015,"confidence":0.999712,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.09280767291784286},{"word":"look","start":1495.015,"end":1495.1749,"confidence":0.9998455,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06666530668735504},{"word":"at","start":1495.1749,"end":1495.335,"confidence":0.99952114,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0671478658914566},{"word":"it","start":1495.335,"end":1495.495,"confidence":0.9949942,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06091718003153801},{"word":"closer","start":1495.495,"end":1495.895,"confidence":0.9699248,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":0.03476683050394058},{"word":"too","start":1495.895,"end":1496.0549,"confidence":0.7005819,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.07938458025455475},{"word":"because","start":1496.0549,"end":1496.295,"confidence":0.45335102,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05290473625063896},{"word":"worst","start":1496.295,"end":1496.535,"confidence":0.81501955,"punctuated_word":"worst","sentiment":"neutral","sentiment_score":0.02794167771935463},{"word":"case","start":1496.535,"end":1496.775,"confidence":0.9573388,"punctuated_word":"case,","sentiment":"neutral","sentiment_score":0.06108585745096207},{"word":"we","start":1496.775,"end":1496.9349,"confidence":0.99970645,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11744546890258788},{"word":"can","start":1496.9349,"end":1497.015,"confidence":0.999382,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11469386518001556},{"word":"always","start":1497.015,"end":1497.335,"confidence":0.99975437,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.1315314769744873},{"word":"update","start":1497.335,"end":1497.655,"confidence":0.9990351,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.0960218757390976},{"word":"the","start":1497.655,"end":1497.815,"confidence":0.9993876,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07787638157606125},{"word":"advice","start":1497.815,"end":1498.315,"confidence":0.99235594,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.06420566886663437},{"word":"as","start":1498.72,"end":1498.7999,"confidence":0.9962519,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.0960432142019272},{"word":"your","start":1498.7999,"end":1499.12,"confidence":0.9989498,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08412697166204453},{"word":"policies","start":1499.12,"end":1499.5199,"confidence":0.99703836,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.05867350101470947},{"word":"would","start":1499.5199,"end":1499.7599,"confidence":0.99847776,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.11565552651882172},{"word":"have","start":1499.7599,"end":1499.84,"confidence":0.5650296,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06364771723747253},{"word":"gone","start":1499.84,"end":1500.08,"confidence":0.99934477,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.08037839829921722},{"word":"through","start":1500.08,"end":1500.24,"confidence":0.9997156,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08446744829416275},{"word":"a","start":1500.24,"end":1500.3999,"confidence":0.9935539,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06169406324625015},{"word":"few","start":1500.3999,"end":1500.6399,"confidence":0.99899954,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.05576220154762268},{"word":"renewals","start":1500.6399,"end":1501.1399,"confidence":0.9727246,"punctuated_word":"renewals.","sentiment":"neutral","sentiment_score":0.026972394436597824},{"word":"so","start":1501.44,"end":1501.6799,"confidence":0.7862098,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.055744122713804245},{"word":"we","start":1501.6799,"end":1501.84,"confidence":0.991791,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05391143634915352},{"word":"might","start":1501.84,"end":1502.08,"confidence":0.9997341,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.052646275609731674},{"word":"have","start":1502.08,"end":1502.24,"confidence":0.9997577,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05596788600087166},{"word":"to","start":1502.24,"end":1502.3999,"confidence":0.9995183,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06955656409263611},{"word":"alter","start":1502.3999,"end":1502.6399,"confidence":0.997335,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":0.0694659948348999},{"word":"the","start":1502.6399,"end":1502.7999,"confidence":0.9992662,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05156270414590835},{"word":"amounts","start":1502.7999,"end":1503.2,"confidence":0.84136397,"punctuated_word":"amounts","sentiment":"neutral","sentiment_score":0.025948505848646164},{"word":"there","start":1503.2,"end":1503.44,"confidence":0.94108236,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.031027697026729584},{"word":"look","start":1503.44,"end":1503.6,"confidence":0.9989784,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.03833422064781189},{"word":"at","start":1503.6,"end":1503.6799,"confidence":0.98776835,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05190356448292732},{"word":"what","start":1503.6799,"end":1503.9199,"confidence":0.99980634,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.05878283083438873},{"word":"they're","start":1503.9199,"end":1504.08,"confidence":0.98994493,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.05369483679533005},{"word":"costing","start":1504.08,"end":1504.58,"confidence":0.8930751,"punctuated_word":"costing,","sentiment":"neutral","sentiment_score":0.04861410707235336},{"word":"and","start":1504.6399,"end":1504.7999,"confidence":0.9997002,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.036530643701553345},{"word":"see","start":1504.7999,"end":1504.96,"confidence":0.99970216,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.05063799396157265},{"word":"what","start":1504.96,"end":1505.12,"confidence":0.99990714,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.04822793602943421},{"word":"your","start":1505.12,"end":1505.36,"confidence":0.9904315,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05681968480348587},{"word":"expenditure","start":1505.36,"end":1505.86,"confidence":0.9961808,"punctuated_word":"expenditure","sentiment":"neutral","sentiment_score":0.03771986812353134},{"word":"allows","start":1506.0,"end":1506.3999,"confidence":0.9994553,"punctuated_word":"allows","sentiment":"neutral","sentiment_score":0.0662190169095993},{"word":"for","start":1506.3999,"end":1506.8999,"confidence":0.9958546,"punctuated_word":"for.","sentiment":"neutral","sentiment_score":0.06070486456155777},{"word":"so","start":1507.6799,"end":1508.1799,"confidence":0.7044106,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.023745708167552948},{"word":"sorry","start":1508.32,"end":1508.6399,"confidence":0.9744146,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":-0.03262632340192795},{"word":"we","start":1508.6399,"end":1508.88,"confidence":0.99965096,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.02299702912569046},{"word":"might","start":1508.88,"end":1509.0399,"confidence":0.99995744,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.029617004096508023},{"word":"be","start":1509.0399,"end":1509.12,"confidence":0.9993098,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.016234032809734344},{"word":"able","start":1509.12,"end":1509.36,"confidence":0.3748462,"punctuated_word":"able","sentiment":"neutral","sentiment_score":-0.0054824743419885635},{"word":"to","start":1509.36,"end":1509.6399,"confidence":0.9842567,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.029322046786546707},{"word":"and","start":1509.9199,"end":1510.1599,"confidence":0.47709996,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.020349379628896713},{"word":"need","start":1510.1599,"end":1510.32,"confidence":0.994735,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.005758337676525116},{"word":"to","start":1510.32,"end":1510.3999,"confidence":0.9992743,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02295804023742676},{"word":"alter","start":1510.3999,"end":1510.72,"confidence":0.99647105,"punctuated_word":"alter","sentiment":"neutral","sentiment_score":0.0013543441891670227},{"word":"the","start":1510.72,"end":1510.88,"confidence":0.9968162,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01441088318824768},{"word":"policies","start":1510.88,"end":1511.2799,"confidence":0.97068405,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":-0.03737492114305496},{"word":"a","start":1511.2799,"end":1511.36,"confidence":0.9975789,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.004555828869342804},{"word":"little","start":1511.36,"end":1511.6,"confidence":0.99970055,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.01740526407957077},{"word":"bit","start":1511.6,"end":1511.6799,"confidence":0.9973717,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.009259477257728577},{"word":"down","start":1511.6799,"end":1511.9199,"confidence":0.9859183,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.0036470890045166016},{"word":"the","start":1511.9199,"end":1512.0,"confidence":0.9656455,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0063057541847229},{"word":"track","start":1512.0,"end":1512.225,"confidence":0.9930935,"punctuated_word":"track","sentiment":"neutral","sentiment_score":-0.00917799025774002},{"word":"there","start":1512.225,"end":1512.465,"confidence":0.98031676,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.03215586394071579},{"word":"so","start":1512.465,"end":1512.625,"confidence":0.9874895,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03738848492503166},{"word":"before","start":1512.625,"end":1512.945,"confidence":0.99854016,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.01998858153820038},{"word":"he","start":1512.945,"end":1513.105,"confidence":0.99877125,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.040051236748695374},{"word":"turns","start":1513.105,"end":1513.4249,"confidence":0.9847169,"punctuated_word":"turns","sentiment":"neutral","sentiment_score":0.029987134039402008},{"word":"to","start":1513.4249,"end":1513.6649,"confidence":0.7262427,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.03566490486264229},{"word":"we","start":1513.6649,"end":1513.745,"confidence":0.99840504,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05941906198859215},{"word":"can","start":1513.745,"end":1513.905,"confidence":0.99972314,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05322226881980896},{"word":"look","start":1513.905,"end":1514.065,"confidence":0.9997712,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.07969599962234497},{"word":"at","start":1514.065,"end":1514.225,"confidence":0.99849665,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08199957013130188},{"word":"it","start":1514.225,"end":1514.385,"confidence":0.99931777,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.12534840404987335},{"word":"together","start":1514.385,"end":1514.785,"confidence":0.9921687,"punctuated_word":"together,","sentiment":"neutral","sentiment_score":0.09366603195667268},{"word":"update","start":1514.785,"end":1515.1849,"confidence":0.9997266,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.1271996647119522},{"word":"the","start":1515.1849,"end":1515.345,"confidence":0.99949455,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13930149376392365},{"word":"advice","start":1515.345,"end":1515.825,"confidence":0.92075455,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.11766213923692705},{"word":"and","start":1515.825,"end":1516.325,"confidence":0.88472307,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.136464461684227},{"word":"really","start":1516.385,"end":1516.705,"confidence":0.9987625,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.18735072016716003},{"word":"hone","start":1516.705,"end":1516.945,"confidence":0.98209286,"punctuated_word":"hone","sentiment":"neutral","sentiment_score":0.1331484317779541},{"word":"in","start":1516.945,"end":1517.1849,"confidence":0.99668026,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17415428161621094},{"word":"on","start":1517.1849,"end":1517.265,"confidence":0.997232,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.24442489445209503},{"word":"what","start":1517.265,"end":1517.505,"confidence":0.99972683,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.23265321552753448},{"word":"we","start":1517.505,"end":1517.585,"confidence":0.999882,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.21173331141471863},{"word":"need","start":1517.585,"end":1517.825,"confidence":0.99930716,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.2664186656475067},{"word":"to","start":1517.825,"end":1517.985,"confidence":0.9995946,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.249615415930748},{"word":"do","start":1517.985,"end":1518.3049,"confidence":0.9996319,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2559753656387329},{"word":"to","start":1518.3049,"end":1518.625,"confidence":0.9985474,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23890015482902527},{"word":"make","start":1518.625,"end":1518.785,"confidence":0.99628973,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.2513778805732727},{"word":"it","start":1518.785,"end":1519.025,"confidence":0.9998012,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.29991281032562256},{"word":"work","start":1519.025,"end":1519.345,"confidence":0.9996693,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.3064471185207367},{"word":"for","start":1519.345,"end":1519.505,"confidence":0.99971646,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2467549592256546},{"word":"you","start":1519.505,"end":1519.6649,"confidence":0.99949634,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22673405706882477},{"word":"guys","start":1519.6649,"end":1519.905,"confidence":0.932811,"punctuated_word":"guys.","sentiment":"neutral","sentiment_score":0.09161113947629929},{"word":"so","start":1519.905,"end":1520.065,"confidence":0.9219673,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.031080618500709537},{"word":"you're","start":1520.065,"end":1520.225,"confidence":0.9169088,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.017121151089668274},{"word":"not","start":1520.225,"end":1520.725,"confidence":0.9962901,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.022786423563957214},{"word":"spending","start":1520.785,"end":1521.1849,"confidence":0.5427667,"punctuated_word":"spending","sentiment":"neutral","sentiment_score":-0.07827875763177872},{"word":"a","start":1521.1849,"end":1521.265,"confidence":0.9978763,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2194688022136688},{"word":"fortune","start":1521.265,"end":1521.745,"confidence":0.9960532,"punctuated_word":"fortune","sentiment":"neutral","sentiment_score":-0.2548011243343353},{"word":"out","start":1521.745,"end":1521.905,"confidence":0.99479634,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.24629554152488708},{"word":"of","start":1521.905,"end":1522.065,"confidence":0.9948238,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2181892693042755},{"word":"your","start":1522.065,"end":1522.225,"confidence":0.9287483,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.1809353530406952},{"word":"back","start":1522.225,"end":1522.385,"confidence":0.9918841,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.16078439354896543},{"word":"pocket","start":1522.385,"end":1522.705,"confidence":0.9994448,"punctuated_word":"pocket","sentiment":"neutral","sentiment_score":-0.19847148656845093},{"word":"because","start":1522.705,"end":1523.205,"confidence":0.82805026,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2662573456764221},{"word":"kids","start":1523.265,"end":1523.585,"confidence":0.49951816,"punctuated_word":"kids","sentiment":"neutral","sentiment_score":-0.29478734731674194},{"word":"are","start":1523.585,"end":1523.825,"confidence":0.745456,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.24142125248908997},{"word":"expensive","start":1523.825,"end":1524.325,"confidence":0.77317274,"punctuated_word":"expensive.","sentiment":"neutral","sentiment_score":-0.22413863241672516},{"word":"let's","start":1524.385,"end":1524.705,"confidence":0.99961376,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":-0.10319846123456956},{"word":"be","start":1524.705,"end":1524.865,"confidence":0.9990552,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.08833390474319458},{"word":"honest","start":1524.865,"end":1525.365,"confidence":0.99930227,"punctuated_word":"honest.","sentiment":"neutral","sentiment_score":-0.06807132065296173},{"word":"those","start":1529.57,"end":1529.8099,"confidence":0.95325786,"punctuated_word":"Those","sentiment":"neutral","sentiment_score":-0.2375141978263855},{"word":"are","start":1529.8099,"end":1529.97,"confidence":0.98615634,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.27976828813552856},{"word":"expensive","start":1529.97,"end":1530.47,"confidence":0.88309276,"punctuated_word":"expensive,","sentiment":"neutral","sentiment_score":-0.2012939155101776},{"word":"aren't","start":1530.69,"end":1530.9299,"confidence":0.999359,"punctuated_word":"aren't","sentiment":"neutral","sentiment_score":-0.13798683881759644},{"word":"they","start":1530.9299,"end":1531.25,"confidence":0.9993232,"punctuated_word":"they?","sentiment":"neutral","sentiment_score":-0.17376351356506348},{"word":"that's","start":1531.25,"end":1531.49,"confidence":0.9992169,"punctuated_word":"That's","sentiment":"negative","sentiment_score":-0.4334790110588074},{"word":"insane","start":1531.49,"end":1531.99,"confidence":0.9980705,"punctuated_word":"insane.","sentiment":"neutral","sentiment_score":-0.26031482219696045},{"word":"oh","start":1534.7699,"end":1535.09,"confidence":0.83208835,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":-0.06210761517286301},{"word":"but","start":1535.09,"end":1535.25,"confidence":0.99778265,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06560833752155304},{"word":"no","start":1535.33,"end":1535.6499,"confidence":0.99950486,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.09883365035057068},{"word":"it's","start":1535.6499,"end":1535.89,"confidence":0.9996083,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.028523726388812065},{"word":"honestly","start":1535.89,"end":1536.37,"confidence":0.99094474,"punctuated_word":"honestly","sentiment":"neutral","sentiment_score":-0.06497089564800262},{"word":"all","start":1536.37,"end":1536.5299,"confidence":0.9481289,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.037318818271160126},{"word":"we'll","start":1536.69,"end":1536.9299,"confidence":0.98583317,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.056119054555892944},{"word":"definitely","start":1536.9299,"end":1537.25,"confidence":0.99866164,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.05495215952396393},{"word":"look","start":1537.25,"end":1537.49,"confidence":0.99862707,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.01976361870765686},{"word":"down","start":1537.49,"end":1537.6499,"confidence":0.996874,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.08358576893806458},{"word":"the","start":1537.6499,"end":1537.73,"confidence":0.9930434,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06021799147129059},{"word":"track","start":1537.73,"end":1537.97,"confidence":0.9964946,"punctuated_word":"track","sentiment":"neutral","sentiment_score":0.1061210185289383},{"word":"to","start":1537.97,"end":1538.13,"confidence":0.99974555,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10858498513698578},{"word":"help","start":1538.13,"end":1538.37,"confidence":0.9998487,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.21901080012321472},{"word":"you","start":1538.37,"end":1538.45,"confidence":0.9995078,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1560855209827423},{"word":"out","start":1538.45,"end":1538.61,"confidence":0.9839849,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2804024815559387},{"word":"with","start":1538.61,"end":1538.7699,"confidence":0.9997451,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17457102239131927},{"word":"that","start":1538.7699,"end":1539.01,"confidence":0.9995838,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06407056003808975},{"word":"aspect","start":1539.01,"end":1539.51,"confidence":0.99874645,"punctuated_word":"aspect.","sentiment":"neutral","sentiment_score":-0.02848206087946892},{"word":"i'll","start":1539.73,"end":1539.89,"confidence":0.92952424,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2648008465766907},{"word":"let","start":1539.89,"end":1540.0499,"confidence":0.999816,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.31488531827926636},{"word":"you","start":1540.0499,"end":1540.21,"confidence":0.9990102,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28302448987960815},{"word":"read","start":1540.21,"end":1540.45,"confidence":0.9962741,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.25140437483787537},{"word":"through","start":1540.45,"end":1540.69,"confidence":0.99864084,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2811316251754761},{"word":"this","start":1540.69,"end":1540.9299,"confidence":0.99942696,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.2878788411617279},{"word":"one","start":1540.9299,"end":1541.415,"confidence":0.8348018,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":0.2891434133052826},{"word":"take","start":1541.735,"end":1541.895,"confidence":0.9997968,"punctuated_word":"take","sentiment":"positive","sentiment_score":0.40156736969947815},{"word":"it","start":1541.895,"end":1542.055,"confidence":0.9998977,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.33563557267189026},{"word":"all","start":1542.055,"end":1542.135,"confidence":0.99993706,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.27406853437423706},{"word":"in","start":1542.135,"end":1542.375,"confidence":0.97989905,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.2804129421710968},{"word":"and","start":1542.375,"end":1542.535,"confidence":0.99937135,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2551267445087433},{"word":"let","start":1542.535,"end":1542.6951,"confidence":0.99932444,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2908139228820801},{"word":"me","start":1542.6951,"end":1542.775,"confidence":0.99935406,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.3045925796031952},{"word":"know","start":1542.775,"end":1542.935,"confidence":0.99971205,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.34304219484329224},{"word":"if","start":1542.935,"end":1543.015,"confidence":0.9997496,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.34177839756011963},{"word":"you","start":1543.015,"end":1543.175,"confidence":0.9989371,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30785518884658813},{"word":"do","start":1543.175,"end":1543.3351,"confidence":0.9992291,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2646707594394684},{"word":"have","start":1543.3351,"end":1543.495,"confidence":0.9961021,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2885478436946869},{"word":"any","start":1543.495,"end":1543.8151,"confidence":0.9991726,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2331344336271286},{"word":"questions","start":1543.8151,"end":1544.3151,"confidence":0.99966836,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.19373875856399536},{"word":"there","start":1544.6951,"end":1545.175,"confidence":0.99963856,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.20391100645065308},{"word":"i've","start":1545.175,"end":1545.3351,"confidence":0.97311866,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.35387250781059265},{"word":"also","start":1545.3351,"end":1545.655,"confidence":0.99479264,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.32519394159317017},{"word":"just","start":1545.655,"end":1545.8151,"confidence":0.5861206,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.3455143868923187},{"word":"backed","start":1545.8151,"end":1546.055,"confidence":0.7529645,"punctuated_word":"backed","sentiment":"positive","sentiment_score":0.3379064202308655},{"word":"in","start":1546.055,"end":1546.135,"confidence":0.8385671,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4013218879699707},{"word":"the","start":1546.135,"end":1546.375,"confidence":0.9858547,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3647962510585785},{"word":"estate","start":1546.375,"end":1546.6951,"confidence":0.9850264,"punctuated_word":"estate","sentiment":"positive","sentiment_score":0.4057104587554931},{"word":"planning","start":1546.6951,"end":1547.175,"confidence":0.9993748,"punctuated_word":"planning","sentiment":"positive","sentiment_score":0.3937201201915741},{"word":"side","start":1547.175,"end":1547.415,"confidence":0.9338326,"punctuated_word":"side","sentiment":"positive","sentiment_score":0.4585498571395874},{"word":"of","start":1547.415,"end":1547.5751,"confidence":0.97261447,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4473021328449249},{"word":"things","start":1547.5751,"end":1547.895,"confidence":0.99156207,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.382313072681427},{"word":"as","start":1547.895,"end":1548.055,"confidence":0.9998654,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3651395440101623},{"word":"well","start":1548.055,"end":1548.555,"confidence":0.9968726,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.31584012508392334},{"word":"you","start":1548.615,"end":1548.775,"confidence":0.98223716,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.3011366128921509},{"word":"do","start":1548.775,"end":1549.015,"confidence":0.9997826,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2390393316745758},{"word":"have","start":1549.015,"end":1549.175,"confidence":0.9997129,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2254093736410141},{"word":"your","start":1549.175,"end":1549.415,"confidence":0.99936944,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.19941376149654388},{"word":"beneficiaries","start":1549.415,"end":1549.915,"confidence":0.99310863,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.2321285903453827},{"word":"on","start":1550.055,"end":1550.2151,"confidence":0.9997631,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.23756517469882965},{"word":"file","start":1550.2151,"end":1550.4551,"confidence":0.98556846,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":0.2432265728712082},{"word":"you","start":1550.4551,"end":1550.615,"confidence":0.9998511,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.29980528354644775},{"word":"were","start":1550.615,"end":1550.855,"confidence":0.98754615,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.19133161008358},{"word":"comfortable","start":1550.855,"end":1551.3351,"confidence":0.9661047,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.17652574181556702},{"word":"with","start":1551.3351,"end":1551.495,"confidence":0.9998733,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2282545268535614},{"word":"those","start":1551.495,"end":1551.8151,"confidence":0.9007686,"punctuated_word":"those,","sentiment":"neutral","sentiment_score":0.19186189770698547},{"word":"but","start":1551.8151,"end":1552.135,"confidence":0.99956924,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.08915500342845917},{"word":"one","start":1552.135,"end":1552.375,"confidence":0.99958867,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.021003007888793945},{"word":"of","start":1552.375,"end":1552.4551,"confidence":0.9995937,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.036596596240997314},{"word":"the","start":1552.4551,"end":1552.535,"confidence":0.99904877,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.032679393887519836},{"word":"things","start":1552.535,"end":1552.855,"confidence":0.99973935,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.0031899958848953247},{"word":"we'd","start":1552.855,"end":1553.0951,"confidence":0.7012018,"punctuated_word":"we'd","sentiment":"neutral","sentiment_score":-0.02149830386042595},{"word":"talk","start":1553.0951,"end":1553.3351,"confidence":0.86054754,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.006668202579021454},{"word":"about","start":1553.3351,"end":1553.495,"confidence":0.99976975,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04102103412151337},{"word":"was","start":1553.495,"end":1553.735,"confidence":0.99788326,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.01837266981601715},{"word":"not","start":1553.735,"end":1553.895,"confidence":0.99985373,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.01974828541278839},{"word":"having","start":1553.895,"end":1554.135,"confidence":0.99967706,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.02783183753490448},{"word":"a","start":1554.135,"end":1554.2151,"confidence":0.647676,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.012450527399778366},{"word":"will","start":1554.2151,"end":1554.4551,"confidence":0.98846346,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.025748200714588165},{"word":"and","start":1554.4551,"end":1554.615,"confidence":0.93929374,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03127066045999527},{"word":"power","start":1554.615,"end":1554.855,"confidence":0.9957787,"punctuated_word":"power","sentiment":"neutral","sentiment_score":-0.00039765238761901855},{"word":"of","start":1554.855,"end":1554.935,"confidence":0.9889079,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.014528371393680573},{"word":"attorney","start":1554.935,"end":1555.435,"confidence":0.9299039,"punctuated_word":"attorney.","sentiment":"neutral","sentiment_score":-0.03304334357380867},{"word":"so","start":1556.16,"end":1556.2401,"confidence":0.5563688,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.043115608394145966},{"word":"having","start":1556.2401,"end":1556.56,"confidence":0.9984028,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.07275144010782242},{"word":"your","start":1556.56,"end":1556.7201,"confidence":0.65135026,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.07380826026201248},{"word":"second","start":1556.7201,"end":1557.04,"confidence":0.9992065,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.0766642764210701},{"word":"child","start":1557.04,"end":1557.3601,"confidence":0.99908745,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.06455760449171066},{"word":"now","start":1557.3601,"end":1557.52,"confidence":0.95598155,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.1317846179008484},{"word":"with","start":1557.52,"end":1557.76,"confidence":0.8433379,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07958271354436874},{"word":"your","start":1557.76,"end":1557.92,"confidence":0.9535179,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1095728874206543},{"word":"life","start":1557.92,"end":1558.2401,"confidence":0.9968611,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.07467919588088989},{"word":"changing","start":1558.2401,"end":1558.7401,"confidence":0.98199165,"punctuated_word":"changing,","sentiment":"neutral","sentiment_score":0.109883651137352},{"word":"having","start":1558.9601,"end":1559.2001,"confidence":0.9982804,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.1340188831090927},{"word":"your","start":1559.2001,"end":1559.4401,"confidence":0.9571333,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14461778104305267},{"word":"will","start":1559.4401,"end":1559.68,"confidence":0.9933821,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2119752466678619},{"word":"drawn","start":1559.68,"end":1559.92,"confidence":0.8990956,"punctuated_word":"drawn","sentiment":"neutral","sentiment_score":0.17220771312713623},{"word":"up","start":1559.92,"end":1560.0801,"confidence":0.99383837,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1784416437149048},{"word":"is","start":1560.0801,"end":1560.3201,"confidence":0.98769623,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1700005978345871},{"word":"really","start":1560.3201,"end":1560.64,"confidence":0.9997713,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.19006824493408203},{"word":"important","start":1560.64,"end":1561.12,"confidence":0.9498581,"punctuated_word":"important.","sentiment":"neutral","sentiment_score":0.19271917641162872},{"word":"so","start":1561.12,"end":1561.28,"confidence":0.9940262,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2273300439119339},{"word":"i've","start":1561.28,"end":1561.4401,"confidence":0.9992138,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2587732672691345},{"word":"added","start":1561.4401,"end":1561.68,"confidence":0.99973494,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.28076615929603577},{"word":"that","start":1561.68,"end":1561.76,"confidence":0.9998171,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2713896930217743},{"word":"in","start":1561.76,"end":1561.92,"confidence":0.99952614,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2636359632015228},{"word":"there","start":1561.92,"end":1562.0801,"confidence":0.99453247,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.2922459542751312},{"word":"that","start":1562.0801,"end":1562.2401,"confidence":0.9169257,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.27326861023902893},{"word":"we","start":1562.2401,"end":1562.4,"confidence":0.999241,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.33270755410194397},{"word":"are","start":1562.4,"end":1562.56,"confidence":0.9976852,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.29371097683906555},{"word":"recommending","start":1562.56,"end":1563.04,"confidence":0.9988777,"punctuated_word":"recommending","sentiment":"neutral","sentiment_score":0.31832414865493774},{"word":"you","start":1563.04,"end":1563.2001,"confidence":0.97754616,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29012036323547363},{"word":"do","start":1563.2001,"end":1563.28,"confidence":0.9873546,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2413678467273712},{"word":"have","start":1563.28,"end":1563.4401,"confidence":0.77339125,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.23629072308540344},{"word":"a","start":1563.4401,"end":1563.6001,"confidence":0.9304012,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2294009774923325},{"word":"will","start":1563.6001,"end":1563.76,"confidence":0.9987423,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.2429032027721405},{"word":"and","start":1563.76,"end":1563.92,"confidence":0.98305124,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18300628662109375},{"word":"power","start":1563.92,"end":1564.16,"confidence":0.9921409,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.1475273072719574},{"word":"of","start":1564.16,"end":1564.2401,"confidence":0.9930449,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1678905189037323},{"word":"attorney","start":1564.2401,"end":1564.64,"confidence":0.80581146,"punctuated_word":"attorney,","sentiment":"neutral","sentiment_score":0.19769686460494995},{"word":"just","start":1564.64,"end":1564.88,"confidence":0.9991009,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2468559592962265},{"word":"making","start":1564.88,"end":1565.12,"confidence":0.9998437,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.20001213252544403},{"word":"sure","start":1565.12,"end":1565.3601,"confidence":0.99963593,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.21133151650428772},{"word":"everything","start":1565.3601,"end":1565.8601,"confidence":0.9996184,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.290546178817749},{"word":"is","start":1565.92,"end":1566.16,"confidence":0.9996253,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2140703648328781},{"word":"in","start":1566.16,"end":1566.3201,"confidence":0.9985683,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.25619661808013916},{"word":"line","start":1566.3201,"end":1566.56,"confidence":0.99971896,"punctuated_word":"line","sentiment":"positive","sentiment_score":0.3394237756729126},{"word":"with","start":1566.56,"end":1566.7201,"confidence":0.9997298,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.31270676851272583},{"word":"your","start":1566.7201,"end":1566.9601,"confidence":0.99957925,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2610125243663788},{"word":"wishes","start":1566.9601,"end":1567.4601,"confidence":0.9997051,"punctuated_word":"wishes.","sentiment":"neutral","sentiment_score":0.1907367408275604},{"word":"i","start":1567.92,"end":1568.0801,"confidence":0.5840455,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13232678174972534},{"word":"can","start":1568.0801,"end":1568.2401,"confidence":0.9669694,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":0.13320854306221008},{"word":"if","start":1568.2401,"end":1568.4,"confidence":0.9995409,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10721832513809204},{"word":"you","start":1568.4,"end":1568.56,"confidence":0.9998271,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09254447370767592},{"word":"like","start":1568.56,"end":1568.8,"confidence":0.93592405,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10920483618974686},{"word":"send","start":1568.8,"end":1569.04,"confidence":0.9928014,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.08352778851985931},{"word":"out","start":1569.04,"end":1569.2001,"confidence":0.8168349,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.07889553904533386},{"word":"i","start":1569.2001,"end":1569.28,"confidence":0.99979,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03935902193188667},{"word":"don't","start":1569.28,"end":1569.4401,"confidence":0.9986987,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0015388864558190107},{"word":"know","start":1569.4401,"end":1569.52,"confidence":0.99841475,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.015782024711370468},{"word":"if","start":1569.52,"end":1569.68,"confidence":0.99908006,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.00872751884162426},{"word":"anyone","start":1569.68,"end":1570.0801,"confidence":0.9993824,"punctuated_word":"anyone","sentiment":"neutral","sentiment_score":-0.00048454105854034424},{"word":"sent","start":1570.0801,"end":1570.3201,"confidence":0.6674791,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":-0.0035340040922164917},{"word":"out","start":1570.3201,"end":1570.4801,"confidence":0.93588233,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.021872900426387787},{"word":"to","start":1570.4801,"end":1570.56,"confidence":0.9908217,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.016274675726890564},{"word":"you","start":1570.56,"end":1570.7201,"confidence":0.9962696,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007981456816196442},{"word":"yet","start":1570.7201,"end":1570.88,"confidence":0.92863756,"punctuated_word":"yet,","sentiment":"neutral","sentiment_score":0.011254996061325072},{"word":"and","start":1570.88,"end":1571.265,"confidence":0.9012418,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.016764778643846512},{"word":"i","start":1571.345,"end":1571.425,"confidence":0.99949896,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.026359323412179947},{"word":"hope","start":1571.425,"end":1571.665,"confidence":0.5250364,"punctuated_word":"hope","sentiment":"neutral","sentiment_score":0.00268467515707016},{"word":"someone","start":1571.665,"end":1571.985,"confidence":0.99780136,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.051907893270254135},{"word":"has","start":1571.985,"end":1572.145,"confidence":0.9823862,"punctuated_word":"has.","sentiment":"neutral","sentiment_score":0.04181147366762161},{"word":"did","start":1572.145,"end":1572.305,"confidence":0.99943095,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.0069919973611831665},{"word":"you","start":1572.305,"end":1572.465,"confidence":0.9993942,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.007072906941175461},{"word":"receive","start":1572.465,"end":1572.785,"confidence":0.96534425,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":-0.0005462765693664551},{"word":"the","start":1572.785,"end":1572.9451,"confidence":0.99648356,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014161482453346252},{"word":"email","start":1572.9451,"end":1573.265,"confidence":0.99995255,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.016989819705486298},{"word":"with","start":1573.265,"end":1573.505,"confidence":0.9996892,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.0029094070196151733},{"word":"the","start":1573.505,"end":1573.665,"confidence":0.91868484,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007935430854558945},{"word":"solicitor's","start":1573.665,"end":1574.165,"confidence":0.8730848,"punctuated_word":"solicitor's","sentiment":"neutral","sentiment_score":0.026452992111444473},{"word":"information","start":1574.225,"end":1574.705,"confidence":0.9997516,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.03222401440143585},{"word":"from","start":1574.705,"end":1574.865,"confidence":0.9969399,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.02951854467391968},{"word":"the","start":1574.865,"end":1575.105,"confidence":0.9968478,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.053019024431705475},{"word":"annual","start":1575.105,"end":1575.425,"confidence":0.99268806,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.025325197726488113},{"word":"review","start":1575.425,"end":1575.925,"confidence":0.99957424,"punctuated_word":"review?","sentiment":"neutral","sentiment_score":0.023182522505521774},{"word":"yep","start":1583.76,"end":1584.26,"confidence":0.8185488,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.058171819895505905},{"word":"perfect","start":1584.3201,"end":1584.8201,"confidence":0.9624554,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4610668420791626},{"word":"yep","start":1587.8401,"end":1588.3201,"confidence":0.95989907,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3099721074104309},{"word":"perfect","start":1588.3201,"end":1588.8201,"confidence":0.9960278,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5867387056350708},{"word":"perfect","start":1588.88,"end":1589.28,"confidence":0.9990048,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5664341449737549},{"word":"yeah","start":1589.28,"end":1589.52,"confidence":0.9989262,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3910143971443176},{"word":"just","start":1589.52,"end":1589.76,"confidence":0.9872665,"punctuated_word":"Just","sentiment":"positive","sentiment_score":0.3962244391441345},{"word":"doing","start":1589.76,"end":1590.0,"confidence":0.9887645,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.4403958022594452},{"word":"those","start":1590.0,"end":1590.24,"confidence":0.963687,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.5105165243148804},{"word":"up","start":1590.24,"end":1590.4,"confidence":0.9414,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.4543688297271729},{"word":"when","start":1590.4,"end":1590.64,"confidence":0.9052142,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.42718520760536194},{"word":"you","start":1590.64,"end":1590.72,"confidence":0.9997181,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4133117794990539},{"word":"are","start":1590.72,"end":1591.22,"confidence":0.9919986,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.39186692237854},{"word":"ready","start":1591.36,"end":1591.68,"confidence":0.8334053,"punctuated_word":"ready","sentiment":"positive","sentiment_score":0.4639085531234741},{"word":"to","start":1591.68,"end":1591.76,"confidence":0.99971765,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4361305832862854},{"word":"do","start":1591.76,"end":1592.0,"confidence":0.99986076,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.4535977244377136},{"word":"so","start":1592.0,"end":1592.24,"confidence":0.7608219,"punctuated_word":"so.","sentiment":"positive","sentiment_score":0.42199432849884033},{"word":"just","start":1592.24,"end":1592.48,"confidence":0.8022209,"punctuated_word":"Just","sentiment":"positive","sentiment_score":0.3719529807567597},{"word":"provide","start":1592.48,"end":1592.8,"confidence":0.9177995,"punctuated_word":"provide","sentiment":"positive","sentiment_score":0.4280390739440918},{"word":"the","start":1592.8,"end":1592.9601,"confidence":0.8963827,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4392090737819672},{"word":"extra","start":1592.9601,"end":1593.28,"confidence":0.99989307,"punctuated_word":"extra","sentiment":"positive","sentiment_score":0.3873359858989715},{"word":"layer","start":1593.28,"end":1593.52,"confidence":0.99899596,"punctuated_word":"layer","sentiment":"positive","sentiment_score":0.4296835064888001},{"word":"of","start":1593.52,"end":1593.6,"confidence":0.98866373,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4370136559009552},{"word":"protection","start":1593.6,"end":1594.0801,"confidence":0.9998541,"punctuated_word":"protection","sentiment":"positive","sentiment_score":0.3909739851951599},{"word":"for","start":1594.0801,"end":1594.24,"confidence":0.9958449,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4813705384731293},{"word":"yourself","start":1594.24,"end":1594.56,"confidence":0.99914426,"punctuated_word":"yourself,","sentiment":"positive","sentiment_score":0.49165675044059753},{"word":"your","start":1594.56,"end":1594.72,"confidence":0.9987042,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.51700758934021},{"word":"family","start":1594.72,"end":1595.22,"confidence":0.9996632,"punctuated_word":"family,","sentiment":"positive","sentiment_score":0.47097688913345337},{"word":"your","start":1595.295,"end":1595.4551,"confidence":0.9956565,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.5185901522636414},{"word":"kids","start":1595.4551,"end":1595.775,"confidence":0.8327607,"punctuated_word":"kids.","sentiment":"positive","sentiment_score":0.4814767837524414},{"word":"and","start":1595.775,"end":1596.0951,"confidence":0.6389497,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3875902593135834},{"word":"there's","start":1596.0951,"end":1596.3351,"confidence":0.9955473,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.4358501136302948},{"word":"so","start":1596.3351,"end":1596.495,"confidence":0.99036205,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.45439234375953674},{"word":"many","start":1596.495,"end":1596.655,"confidence":0.9995776,"punctuated_word":"many","sentiment":"positive","sentiment_score":0.4740428328514099},{"word":"good","start":1596.655,"end":1596.8151,"confidence":0.99837446,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.46961355209350586},{"word":"things","start":1596.8151,"end":1597.055,"confidence":0.9995763,"punctuated_word":"things","sentiment":"positive","sentiment_score":0.5877746939659119},{"word":"you","start":1597.055,"end":1597.135,"confidence":0.9836077,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5647986531257629},{"word":"can","start":1597.135,"end":1597.295,"confidence":0.9995943,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.563957929611206},{"word":"do","start":1597.295,"end":1597.4551,"confidence":0.99907047,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5347118377685547},{"word":"with","start":1597.4551,"end":1597.615,"confidence":0.9997265,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5275307893753052},{"word":"the","start":1597.615,"end":1597.775,"confidence":0.95730203,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4800242781639099},{"word":"will","start":1597.775,"end":1598.0951,"confidence":0.9447728,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.5640780925750732},{"word":"to","start":1598.0951,"end":1598.255,"confidence":0.99159944,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.446087509393692},{"word":"make","start":1598.255,"end":1598.495,"confidence":0.99229723,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.38356152176856995},{"word":"sure","start":1598.495,"end":1598.655,"confidence":0.98377925,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.43254703283309937},{"word":"your","start":1598.655,"end":1598.735,"confidence":0.9943469,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.38303878903388977},{"word":"family","start":1598.735,"end":1599.135,"confidence":0.9997739,"punctuated_word":"family","sentiment":"positive","sentiment_score":0.4211687445640564},{"word":"is","start":1599.135,"end":1599.295,"confidence":0.9450073,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4812442362308502},{"word":"set","start":1599.295,"end":1599.4551,"confidence":0.9877934,"punctuated_word":"set","sentiment":"positive","sentiment_score":0.5049635767936707},{"word":"up","start":1599.4551,"end":1599.615,"confidence":0.95897645,"punctuated_word":"up,","sentiment":"positive","sentiment_score":0.40901386737823486},{"word":"make","start":1599.615,"end":1599.775,"confidence":0.9958183,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.3647850453853607},{"word":"sure","start":1599.775,"end":1599.935,"confidence":0.9983742,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.3770471811294556},{"word":"there's","start":1599.935,"end":1600.255,"confidence":0.7577524,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.4226863384246826},{"word":"trust","start":1600.255,"end":1600.5751,"confidence":0.98195755,"punctuated_word":"trust","sentiment":"positive","sentiment_score":0.43279603123664856},{"word":"structures","start":1600.5751,"end":1600.895,"confidence":0.79964125,"punctuated_word":"structures,","sentiment":"positive","sentiment_score":0.3617684841156006},{"word":"and","start":1600.895,"end":1601.055,"confidence":0.999471,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3388368487358093},{"word":"the","start":1601.055,"end":1601.2151,"confidence":0.91407967,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.35291385650634766},{"word":"assets","start":1601.2151,"end":1601.535,"confidence":0.97369665,"punctuated_word":"assets","sentiment":"positive","sentiment_score":0.3662575483322144},{"word":"are","start":1601.535,"end":1601.6951,"confidence":0.77463615,"punctuated_word":"are","sentiment":"positive","sentiment_score":0.3362613320350647},{"word":"sold","start":1601.6951,"end":1601.935,"confidence":0.88365895,"punctuated_word":"sold","sentiment":"positive","sentiment_score":0.40237462520599365},{"word":"as","start":1601.935,"end":1602.0951,"confidence":0.86790293,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3943973183631897},{"word":"to","start":1602.0951,"end":1602.175,"confidence":0.6870344,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4037281572818756},{"word":"your","start":1602.175,"end":1602.415,"confidence":0.9956351,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3388611376285553},{"word":"wishes","start":1602.415,"end":1602.735,"confidence":0.75655127,"punctuated_word":"wishes,","sentiment":"neutral","sentiment_score":0.3091767728328705},{"word":"and","start":1602.735,"end":1603.235,"confidence":0.99658185,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2293178588151932},{"word":"guardianship","start":1603.4551,"end":1603.9551,"confidence":0.78456056,"punctuated_word":"guardianship","sentiment":"neutral","sentiment_score":0.2644396722316742},{"word":"if","start":1604.0951,"end":1604.175,"confidence":0.9376367,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06037890538573265},{"word":"something","start":1604.175,"end":1604.5751,"confidence":0.99551094,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.05723491311073303},{"word":"happened","start":1604.5751,"end":1604.8151,"confidence":0.9086202,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":0.051104627549648285},{"word":"to","start":1604.8151,"end":1604.9751,"confidence":0.99905473,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03664536774158478},{"word":"yourself","start":1604.9751,"end":1605.295,"confidence":0.99795675,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.0998026207089424},{"word":"and","start":1605.295,"end":1605.615,"confidence":0.8655201,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.022481292486190796},{"word":"and","start":1605.615,"end":1605.775,"confidence":0.9976507,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03319723159074783},{"word":"rhiannon","start":1605.775,"end":1606.255,"confidence":0.87305135,"punctuated_word":"Rhiannon","sentiment":"neutral","sentiment_score":0.076844222843647},{"word":"as","start":1606.255,"end":1606.415,"confidence":0.99754333,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.05676932632923126},{"word":"well","start":1606.415,"end":1606.8151,"confidence":0.99026453,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.03540189936757088},{"word":"so","start":1606.8151,"end":1607.055,"confidence":0.98689073,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04624239355325699},{"word":"it's","start":1607.055,"end":1607.295,"confidence":0.9892774,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.07203365862369537},{"word":"just","start":1607.295,"end":1607.535,"confidence":0.8699868,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05233021825551987},{"word":"yeah","start":1607.615,"end":1608.115,"confidence":0.97491646,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0515645369887352},{"word":"those","start":1608.2,"end":1608.36,"confidence":0.8687928,"punctuated_word":"Those","sentiment":"neutral","sentiment_score":0.019097592681646347},{"word":"sort","start":1608.36,"end":1608.44,"confidence":0.50150806,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.01343262940645218},{"word":"of","start":1608.44,"end":1608.52,"confidence":0.97124743,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05055724084377289},{"word":"things","start":1608.52,"end":1608.84,"confidence":0.98476785,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.08171284943819046},{"word":"are","start":1608.84,"end":1609.08,"confidence":0.7408942,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.019477106630802155},{"word":"hard","start":1609.08,"end":1609.32,"confidence":0.99583673,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.05645875632762909},{"word":"conversations","start":1609.32,"end":1609.82,"confidence":0.9984231,"punctuated_word":"conversations","sentiment":"neutral","sentiment_score":-0.08119872212409973},{"word":"to","start":1609.96,"end":1610.04,"confidence":0.99914336,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.024333596229553223},{"word":"have","start":1610.04,"end":1610.28,"confidence":0.9889364,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.0034802258014678955},{"word":"but","start":1610.28,"end":1610.44,"confidence":0.9999187,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.021837949752807617},{"word":"they","start":1610.44,"end":1610.6,"confidence":0.99989545,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1534786820411682},{"word":"are","start":1610.6,"end":1610.76,"confidence":0.9997782,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.13734161853790283},{"word":"really","start":1610.76,"end":1611.08,"confidence":0.9998579,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.1700330674648285},{"word":"important","start":1611.08,"end":1611.58,"confidence":0.9998054,"punctuated_word":"important","sentiment":"neutral","sentiment_score":0.12872138619422913},{"word":"at","start":1611.64,"end":1611.8,"confidence":0.9980564,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15773797035217285},{"word":"the","start":1611.8,"end":1611.88,"confidence":0.9974644,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17138564586639404},{"word":"same","start":1611.88,"end":1612.12,"confidence":0.9997323,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.17570674419403076},{"word":"time","start":1612.12,"end":1612.62,"confidence":0.9813882,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.14187608659267426},{"word":"so","start":1612.68,"end":1613.18,"confidence":0.99685574,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2254323810338974},{"word":"yeah","start":1614.6,"end":1615.0,"confidence":0.93771523,"punctuated_word":"yeah.","sentiment":"positive","sentiment_score":0.3694100081920624},{"word":"all","start":1615.0,"end":1615.32,"confidence":0.98530746,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.5519462823867798},{"word":"good","start":1615.32,"end":1615.82,"confidence":0.9998208,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4974824786186218},{"word":"so","start":1616.68,"end":1616.84,"confidence":0.7798915,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3985607326030731},{"word":"i've","start":1616.84,"end":1617.08,"confidence":0.9993243,"punctuated_word":"I've","sentiment":"positive","sentiment_score":0.4571479558944702},{"word":"got","start":1617.08,"end":1617.32,"confidence":0.9999398,"punctuated_word":"got","sentiment":"positive","sentiment_score":0.4322693347930908},{"word":"those","start":1617.32,"end":1617.64,"confidence":0.9993424,"punctuated_word":"those","sentiment":"positive","sentiment_score":0.4561244547367096},{"word":"in","start":1617.64,"end":1617.8,"confidence":0.9999021,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3778473436832428},{"word":"there","start":1617.8,"end":1618.04,"confidence":0.99939466,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.4477475881576538},{"word":"for","start":1618.04,"end":1618.2,"confidence":0.99986637,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.37742799520492554},{"word":"you","start":1618.2,"end":1618.44,"confidence":0.9384538,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.3641988933086395},{"word":"now","start":1618.44,"end":1618.6,"confidence":0.9884106,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.26874399185180664},{"word":"the","start":1618.6,"end":1618.76,"confidence":0.97509456,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2601931095123291},{"word":"advice","start":1618.76,"end":1619.16,"confidence":0.937232,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.290998637676239},{"word":"as","start":1619.16,"end":1619.4,"confidence":0.9996835,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3117500841617584},{"word":"i","start":1619.4,"end":1619.48,"confidence":0.98369837,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2894630432128906},{"word":"mentioned","start":1619.48,"end":1619.8,"confidence":0.9685631,"punctuated_word":"mentioned,","sentiment":"neutral","sentiment_score":0.26446640491485596},{"word":"there's","start":1619.8,"end":1620.12,"confidence":0.99065584,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.2912493646144867},{"word":"no","start":1620.12,"end":1620.28,"confidence":0.99865913,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.24128565192222595},{"word":"cost","start":1620.28,"end":1620.52,"confidence":0.980165,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.1961914598941803},{"word":"to","start":1620.52,"end":1620.68,"confidence":0.51211816,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2541009187698364},{"word":"the","start":1620.68,"end":1620.76,"confidence":0.98556834,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2531556189060211},{"word":"advice","start":1620.76,"end":1621.08,"confidence":0.8046082,"punctuated_word":"advice,","sentiment":"neutral","sentiment_score":0.29654961824417114},{"word":"no","start":1621.08,"end":1621.32,"confidence":0.9978434,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.2904306650161743},{"word":"implementation","start":1621.32,"end":1621.82,"confidence":0.99985266,"punctuated_word":"implementation","sentiment":"neutral","sentiment_score":0.1702721118927002},{"word":"cost","start":1622.12,"end":1622.52,"confidence":0.7039621,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.19777968525886536},{"word":"at","start":1622.52,"end":1622.68,"confidence":0.99773526,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.3163374662399292},{"word":"all","start":1622.68,"end":1623.165,"confidence":0.99881136,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.3209821581840515},{"word":"we","start":1623.485,"end":1623.645,"confidence":0.9627925,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.31448474526405334},{"word":"do","start":1623.645,"end":1623.885,"confidence":0.99804187,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3086017370223999},{"word":"receive","start":1623.885,"end":1624.365,"confidence":0.9992092,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.3248262107372284},{"word":"remuneration","start":1624.365,"end":1624.865,"confidence":0.9984367,"punctuated_word":"remuneration","sentiment":"neutral","sentiment_score":0.2942987084388733},{"word":"from","start":1625.0851,"end":1625.3251,"confidence":0.99972457,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.3185625970363617},{"word":"the","start":1625.3251,"end":1625.485,"confidence":0.9995215,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3472921848297119},{"word":"insurance","start":1625.485,"end":1625.9651,"confidence":0.99990916,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.32831424474716187},{"word":"companies","start":1625.9651,"end":1626.365,"confidence":0.9824096,"punctuated_word":"companies","sentiment":"positive","sentiment_score":0.34102392196655273},{"word":"for","start":1626.365,"end":1626.605,"confidence":0.979079,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.36709627509117126},{"word":"the","start":1626.605,"end":1626.765,"confidence":0.9981147,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3799743950366974},{"word":"insurances","start":1626.765,"end":1627.245,"confidence":0.9713783,"punctuated_word":"insurances","sentiment":"positive","sentiment_score":0.40503042936325073},{"word":"we","start":1627.245,"end":1627.485,"confidence":0.9233772,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4436551630496979},{"word":"do","start":1627.485,"end":1627.7251,"confidence":0.99989676,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.37040475010871887},{"word":"recommend","start":1627.7251,"end":1628.2251,"confidence":0.9601697,"punctuated_word":"recommend.","sentiment":"positive","sentiment_score":0.3764972686767578},{"word":"so","start":1628.285,"end":1628.4451,"confidence":0.99974114,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2816622257232666},{"word":"i","start":1628.4451,"end":1628.605,"confidence":0.99988806,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2857993245124817},{"word":"do","start":1628.605,"end":1628.765,"confidence":0.99985313,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2366066426038742},{"word":"have","start":1628.765,"end":1629.0851,"confidence":0.99939096,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.27270984649658203},{"word":"in","start":1629.0851,"end":1629.245,"confidence":0.9962082,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.24429699778556824},{"word":"here","start":1629.245,"end":1629.5651,"confidence":0.9998503,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.2488192468881607},{"word":"on","start":1629.5651,"end":1629.805,"confidence":0.9210459,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2286560535430908},{"word":"page","start":1629.805,"end":1630.125,"confidence":0.9995111,"punctuated_word":"page","sentiment":"neutral","sentiment_score":0.242012158036232},{"word":"37","start":1630.125,"end":1630.765,"confidence":0.99964607,"punctuated_word":"37","sentiment":"neutral","sentiment_score":0.2949303388595581},{"word":"for","start":1630.765,"end":1631.005,"confidence":0.999041,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22971530258655548},{"word":"you","start":1631.005,"end":1631.405,"confidence":0.99991846,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2233176231384277},{"word":"the","start":1631.405,"end":1631.5651,"confidence":0.8787728,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21859951317310333},{"word":"updated","start":1631.5651,"end":1632.045,"confidence":0.94729394,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.2334691882133484},{"word":"remuneration","start":1632.045,"end":1632.545,"confidence":0.9997849,"punctuated_word":"remuneration","sentiment":"neutral","sentiment_score":0.2339567244052887},{"word":"because","start":1632.8451,"end":1633.245,"confidence":0.6503661,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.23570621013641355},{"word":"adding","start":1633.245,"end":1633.485,"confidence":0.99937576,"punctuated_word":"adding","sentiment":"positive","sentiment_score":0.40768828988075256},{"word":"the","start":1633.485,"end":1633.645,"confidence":0.9961707,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.36678025126457214},{"word":"child","start":1633.645,"end":1633.9651,"confidence":0.97269464,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.2931770086288452},{"word":"trauma","start":1633.9651,"end":1634.365,"confidence":0.99763083,"punctuated_word":"trauma","sentiment":"positive","sentiment_score":0.3439764380455017},{"word":"policy","start":1634.365,"end":1634.8451,"confidence":0.99987495,"punctuated_word":"policy","sentiment":"positive","sentiment_score":0.3814122676849365},{"word":"means","start":1634.8451,"end":1635.0851,"confidence":0.99839646,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.33000320196151733},{"word":"that","start":1635.0851,"end":1635.245,"confidence":0.99958354,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.34804829955101013},{"word":"we","start":1635.245,"end":1635.485,"confidence":0.9990237,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3418269753456116},{"word":"will","start":1635.485,"end":1635.645,"confidence":0.7096314,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.3834909200668335},{"word":"do","start":1635.9651,"end":1636.125,"confidence":0.9419639,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3524702489376068},{"word":"receive","start":1636.125,"end":1636.525,"confidence":0.99052864,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.2842702269554138},{"word":"66%","start":1636.525,"end":1637.405,"confidence":0.9740785,"punctuated_word":"66%","sentiment":"positive","sentiment_score":0.3826557397842407},{"word":"of","start":1637.405,"end":1637.485,"confidence":0.99961793,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4037228524684906},{"word":"the","start":1637.485,"end":1637.645,"confidence":0.9996691,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.434347927570343},{"word":"first","start":1637.645,"end":1637.885,"confidence":0.9955381,"punctuated_word":"first","sentiment":"positive","sentiment_score":0.3751172721385956},{"word":"year's","start":1637.885,"end":1638.2051,"confidence":0.9933573,"punctuated_word":"year's","sentiment":"positive","sentiment_score":0.3754452168941498},{"word":"premium","start":1638.2051,"end":1638.7051,"confidence":0.7745489,"punctuated_word":"premium.","sentiment":"neutral","sentiment_score":0.31660008430480957},{"word":"based","start":1639.19,"end":1639.35,"confidence":0.8454748,"punctuated_word":"Based","sentiment":"neutral","sentiment_score":0.06669266521930695},{"word":"on","start":1639.35,"end":1639.59,"confidence":0.9998073,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0547528937458992},{"word":"the","start":1639.59,"end":1639.75,"confidence":0.9995266,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.026570726186037064},{"word":"total","start":1639.75,"end":1640.07,"confidence":0.9978333,"punctuated_word":"total","sentiment":"neutral","sentiment_score":-0.027551952749490734},{"word":"cost","start":1640.07,"end":1640.39,"confidence":0.96919525,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.007997052744030952},{"word":"over","start":1640.39,"end":1640.63,"confidence":0.98631734,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.019271370023489},{"word":"the","start":1640.63,"end":1640.71,"confidence":0.99966335,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01246306486427784},{"word":"year","start":1640.71,"end":1640.95,"confidence":0.99409354,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.017641127109527588},{"word":"it's","start":1640.95,"end":1641.19,"confidence":0.9977327,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.01930401660501957},{"word":"expected","start":1641.19,"end":1641.59,"confidence":0.9997738,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":-0.022504616528749462},{"word":"to","start":1641.59,"end":1641.67,"confidence":0.9992149,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.015912450850009918},{"word":"be","start":1641.67,"end":1641.91,"confidence":0.9997626,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.006730183959007263},{"word":"about","start":1641.91,"end":1642.15,"confidence":0.9308512,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.004849523305892944},{"word":"$98","start":1642.15,"end":1643.21,"confidence":0.99965423,"punctuated_word":"$98.","sentiment":"neutral","sentiment_score":-0.0007278956472873688},{"word":"the","start":1643.67,"end":1643.83,"confidence":0.9420343,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.0398869588971138},{"word":"advice","start":1643.83,"end":1644.23,"confidence":0.9767005,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1462916135787964},{"word":"i'm","start":1644.23,"end":1644.39,"confidence":0.98891103,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.14228272438049316},{"word":"providing","start":1644.39,"end":1644.87,"confidence":0.9982377,"punctuated_word":"providing","sentiment":"neutral","sentiment_score":0.23132586479187012},{"word":"is","start":1644.87,"end":1645.03,"confidence":0.9976646,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.23927608132362368},{"word":"in","start":1645.03,"end":1645.19,"confidence":0.9996718,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2794030010700226},{"word":"your","start":1645.19,"end":1645.35,"confidence":0.999899,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.3094446659088135},{"word":"best","start":1645.35,"end":1645.59,"confidence":0.9998473,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.2607896625995636},{"word":"interest","start":1645.59,"end":1645.91,"confidence":0.97311157,"punctuated_word":"interest","sentiment":"positive","sentiment_score":0.4126670956611634},{"word":"to","start":1645.91,"end":1646.07,"confidence":0.9828341,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2899978458881378},{"word":"meet","start":1646.07,"end":1646.3099,"confidence":0.98290193,"punctuated_word":"meet","sentiment":"positive","sentiment_score":0.33827444911003113},{"word":"your","start":1646.3099,"end":1646.47,"confidence":0.9993436,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3660127520561218},{"word":"goals","start":1646.47,"end":1646.79,"confidence":0.9412376,"punctuated_word":"goals.","sentiment":"neutral","sentiment_score":0.19456012547016144},{"word":"that's","start":1646.79,"end":1647.03,"confidence":0.93538904,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.03253210708498955},{"word":"why","start":1647.03,"end":1647.19,"confidence":0.9998658,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.024164747446775436},{"word":"i","start":1647.19,"end":1647.27,"confidence":0.9940587,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07329767942428589},{"word":"haven't","start":1647.27,"end":1647.59,"confidence":0.9974873,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.0426856130361557},{"word":"gone","start":1647.59,"end":1647.75,"confidence":0.9911015,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":-0.11304745078086852},{"word":"with","start":1647.75,"end":1647.99,"confidence":0.9996018,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.13264575600624084},{"word":"the","start":1647.99,"end":1648.07,"confidence":0.99722594,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11840847879648209},{"word":"highest","start":1648.07,"end":1648.39,"confidence":0.9983708,"punctuated_word":"highest","sentiment":"neutral","sentiment_score":-0.07239793241024017},{"word":"cost","start":1648.39,"end":1648.71,"confidence":0.987276,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.07552110403776169},{"word":"one","start":1648.71,"end":1649.03,"confidence":0.8768369,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.11361633986234664},{"word":"pass","start":1649.03,"end":1649.27,"confidence":0.77664846,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.18158002197742465},{"word":"highest","start":1649.67,"end":1649.99,"confidence":0.57072014,"punctuated_word":"highest","sentiment":"neutral","sentiment_score":-0.10071086883544922},{"word":"cost","start":1649.99,"end":1650.23,"confidence":0.997785,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.04112859815359115},{"word":"trauma","start":1650.23,"end":1650.71,"confidence":0.8730481,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":-0.16376902163028717},{"word":"policy","start":1650.71,"end":1651.21,"confidence":0.9957471,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":-0.016679786145687103},{"word":"we","start":1651.445,"end":1651.525,"confidence":0.9995577,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.19087021052837372},{"word":"wanna","start":1651.525,"end":1651.685,"confidence":0.99936014,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.26906731724739075},{"word":"make","start":1651.685,"end":1651.845,"confidence":0.99955505,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.23857508599758148},{"word":"sure","start":1651.845,"end":1652.085,"confidence":0.9997009,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.3094366788864136},{"word":"it's","start":1652.085,"end":1652.325,"confidence":0.9988188,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5063890218734741},{"word":"cost","start":1652.325,"end":1652.565,"confidence":0.9987589,"punctuated_word":"cost","sentiment":"positive","sentiment_score":0.4735389351844787},{"word":"effective","start":1652.565,"end":1653.045,"confidence":0.99945635,"punctuated_word":"effective","sentiment":"positive","sentiment_score":0.574428915977478},{"word":"for","start":1653.045,"end":1653.125,"confidence":0.97483903,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6295154690742493},{"word":"you","start":1653.125,"end":1653.365,"confidence":0.8038465,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5286908745765686},{"word":"it's","start":1653.365,"end":1653.605,"confidence":0.9994803,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.6529808044433594},{"word":"working","start":1653.605,"end":1653.925,"confidence":0.9998299,"punctuated_word":"working","sentiment":"positive","sentiment_score":0.6708431243896484},{"word":"for","start":1653.925,"end":1654.005,"confidence":0.99140036,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5826689004898071},{"word":"you","start":1654.005,"end":1654.505,"confidence":0.8277004,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.44140154123306274},{"word":"and","start":1654.8049,"end":1654.965,"confidence":0.5536735,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.15534259378910065},{"word":"the","start":1654.965,"end":1655.125,"confidence":0.998475,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18020068109035492},{"word":"remuneration","start":1655.125,"end":1655.625,"confidence":0.99988323,"punctuated_word":"remuneration","sentiment":"neutral","sentiment_score":0.13924995064735413},{"word":"is","start":1655.765,"end":1655.925,"confidence":0.995971,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10531741380691528},{"word":"just","start":1655.925,"end":1656.165,"confidence":0.99545246,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.14377520978450775},{"word":"another","start":1656.165,"end":1656.485,"confidence":0.99957854,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.12106702476739883},{"word":"aspect","start":1656.485,"end":1656.965,"confidence":0.99948967,"punctuated_word":"aspect","sentiment":"neutral","sentiment_score":0.12718026340007782},{"word":"we","start":1656.965,"end":1657.125,"confidence":0.99613154,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08725698292255402},{"word":"like","start":1657.125,"end":1657.365,"confidence":0.82535285,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.08726833760738373},{"word":"to","start":1657.365,"end":1657.525,"confidence":0.99950016,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10054641216993332},{"word":"disclose","start":1657.525,"end":1658.005,"confidence":0.9855295,"punctuated_word":"disclose.","sentiment":"neutral","sentiment_score":0.11729180812835692},{"word":"it","start":1658.005,"end":1658.165,"confidence":0.9994229,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.04587708041071892},{"word":"has","start":1658.165,"end":1658.405,"confidence":0.99979895,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.0112217515707016},{"word":"no","start":1658.405,"end":1658.645,"confidence":0.99971014,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.011430010199546814},{"word":"effect","start":1658.645,"end":1659.045,"confidence":0.987478,"punctuated_word":"effect","sentiment":"neutral","sentiment_score":-0.013989463448524477},{"word":"on","start":1659.045,"end":1659.125,"confidence":0.9926857,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.001548558473587036},{"word":"my","start":1659.125,"end":1659.285,"confidence":0.9994823,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.0013913586735725405},{"word":"recommendations","start":1659.285,"end":1659.785,"confidence":0.99305046,"punctuated_word":"recommendations","sentiment":"neutral","sentiment_score":0.017083503305912018},{"word":"in","start":1660.085,"end":1660.245,"confidence":0.99882525,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03018023818731308},{"word":"any","start":1660.245,"end":1660.485,"confidence":0.9971527,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.07716622948646545},{"word":"way","start":1660.485,"end":1660.725,"confidence":0.9500429,"punctuated_word":"way,","sentiment":"neutral","sentiment_score":0.04296363890171051},{"word":"shape","start":1660.725,"end":1661.045,"confidence":0.984174,"punctuated_word":"shape,","sentiment":"neutral","sentiment_score":0.044111721217632294},{"word":"or","start":1661.045,"end":1661.205,"confidence":0.9987974,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.038404978811740875},{"word":"form","start":1661.205,"end":1661.705,"confidence":0.9885522,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":0.03434173762798309},{"word":"and","start":1663.205,"end":1663.365,"confidence":0.99234724,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.06616905331611633},{"word":"then","start":1663.365,"end":1663.605,"confidence":0.9991159,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07423615455627441},{"word":"the","start":1663.605,"end":1663.765,"confidence":0.99761945,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08132858574390411},{"word":"ongoing","start":1663.765,"end":1664.245,"confidence":0.99964094,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.10123182088136672},{"word":"remuneration","start":1664.245,"end":1664.745,"confidence":0.9996497,"punctuated_word":"remuneration","sentiment":"neutral","sentiment_score":0.09881438314914703},{"word":"for","start":1664.965,"end":1665.205,"confidence":0.9995351,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1286931335926056},{"word":"all","start":1665.205,"end":1665.445,"confidence":0.99790096,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.0967959091067314},{"word":"policies","start":1665.445,"end":1665.925,"confidence":0.9985977,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.10405337810516356},{"word":"is","start":1665.925,"end":1666.17,"confidence":0.99635494,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12745454907417297},{"word":"22%","start":1666.17,"end":1666.89,"confidence":0.9068821,"punctuated_word":"22%.","sentiment":"neutral","sentiment_score":0.13738572597503662},{"word":"they're","start":1666.89,"end":1667.2101,"confidence":0.9910505,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.08468805253505707},{"word":"ongoing","start":1667.2101,"end":1667.7101,"confidence":0.9936555,"punctuated_word":"ongoing.","sentiment":"neutral","sentiment_score":0.09653130173683168},{"word":"we","start":1668.01,"end":1668.25,"confidence":0.82089615,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.09023240953683852},{"word":"have","start":1668.25,"end":1668.49,"confidence":0.99943143,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.09416376054286955},{"word":"added","start":1668.49,"end":1668.7301,"confidence":0.9657786,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.13121812045574188},{"word":"on","start":1668.7301,"end":1668.89,"confidence":0.9846097,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13755309581756592},{"word":"the","start":1668.89,"end":1669.05,"confidence":0.9984157,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11802517622709274},{"word":"remuneration","start":1669.05,"end":1669.55,"confidence":0.9993229,"punctuated_word":"remuneration","sentiment":"neutral","sentiment_score":0.1029934659600258},{"word":"ongoing","start":1669.6901,"end":1670.17,"confidence":0.9949443,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.11791824549436568},{"word":"side","start":1670.17,"end":1670.41,"confidence":0.9143741,"punctuated_word":"side.","sentiment":"neutral","sentiment_score":0.1417350172996521},{"word":"it's","start":1670.41,"end":1670.65,"confidence":0.99933153,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1324934363365173},{"word":"a","start":1670.65,"end":1670.81,"confidence":0.99836963,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15406300127506256},{"word":"combination","start":1670.81,"end":1671.31,"confidence":0.9997496,"punctuated_word":"combination","sentiment":"neutral","sentiment_score":0.15658456087112427},{"word":"of","start":1671.37,"end":1671.61,"confidence":0.98197687,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16255736351013184},{"word":"all","start":1671.61,"end":1671.8501,"confidence":0.9989176,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.14286626875400543},{"word":"your","start":1671.8501,"end":1672.0901,"confidence":0.98517865,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.14425231516361237},{"word":"one","start":1672.0901,"end":1672.3301,"confidence":0.59363014,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.09540779888629912},{"word":"part","start":1672.3301,"end":1672.65,"confidence":0.63912034,"punctuated_word":"part","sentiment":"neutral","sentiment_score":0.12089895457029344},{"word":"policies","start":1672.65,"end":1673.15,"confidence":0.99382174,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.11977514624595642},{"word":"together","start":1673.2101,"end":1673.6901,"confidence":0.81892407,"punctuated_word":"together.","sentiment":"neutral","sentiment_score":0.12122581154108047},{"word":"so","start":1673.6901,"end":1674.1901,"confidence":0.9965268,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10735254734754562},{"word":"it","start":1674.25,"end":1674.41,"confidence":0.99519217,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09451058506965636},{"word":"is","start":1674.41,"end":1674.65,"confidence":0.99901783,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09029914438724518},{"word":"expected","start":1674.65,"end":1675.13,"confidence":0.99905354,"punctuated_word":"expected","sentiment":"neutral","sentiment_score":0.13902413845062256},{"word":"to","start":1675.13,"end":1675.2101,"confidence":0.99874866,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13129429519176483},{"word":"be","start":1675.2101,"end":1675.37,"confidence":0.9967535,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13180452585220337},{"word":"$7.97","start":1675.37,"end":1676.49,"confidence":0.9962791,"punctuated_word":"$7.97","sentiment":"neutral","sentiment_score":0.12110546231269836},{"word":"for","start":1676.49,"end":1676.65,"confidence":0.9791262,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.11009909212589264},{"word":"the","start":1676.65,"end":1676.81,"confidence":0.9836459,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07502753287553787},{"word":"year","start":1676.81,"end":1677.13,"confidence":0.9884449,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.10647758841514587},{"word":"based","start":1677.13,"end":1677.37,"confidence":0.9229591,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.0942637175321579},{"word":"on","start":1677.37,"end":1677.53,"confidence":0.9517535,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1362248808145523},{"word":"22%","start":1677.53,"end":1678.425,"confidence":0.905863,"punctuated_word":"22%","sentiment":"neutral","sentiment_score":0.1258624792098999},{"word":"of","start":1678.425,"end":1678.505,"confidence":0.99772197,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1398446410894394},{"word":"your","start":1678.505,"end":1678.665,"confidence":0.99965894,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1282006949186325},{"word":"total","start":1678.665,"end":1679.165,"confidence":0.99921167,"punctuated_word":"total","sentiment":"neutral","sentiment_score":0.11240075528621674},{"word":"premium","start":1679.2251,"end":1679.625,"confidence":0.99895394,"punctuated_word":"premium","sentiment":"neutral","sentiment_score":0.07775729149580002},{"word":"cost","start":1679.625,"end":1680.025,"confidence":0.8453325,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.10370282083749773},{"word":"and","start":1680.025,"end":1680.265,"confidence":0.42888242,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05347283184528351},{"word":"not","start":1680.265,"end":1680.5851,"confidence":0.9994869,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.04473692178726196},{"word":"on","start":1680.5851,"end":1681.0651,"confidence":0.99098504,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08987748622894287},{"word":"just","start":1681.0651,"end":1681.305,"confidence":0.96005553,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06236397475004196},{"word":"the","start":1681.305,"end":1681.4651,"confidence":0.99735427,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04536259546875954},{"word":"cost","start":1681.4651,"end":1681.7051,"confidence":0.9972849,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":0.03833667188882828},{"word":"of","start":1681.7051,"end":1681.8651,"confidence":0.9842592,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04405324906110763},{"word":"the","start":1681.8651,"end":1682.025,"confidence":0.997692,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.022414732724428177},{"word":"child","start":1682.025,"end":1682.265,"confidence":0.87338626,"punctuated_word":"child","sentiment":"neutral","sentiment_score":-0.005559373646974564},{"word":"trauma","start":1682.265,"end":1682.665,"confidence":0.67556614,"punctuated_word":"trauma,","sentiment":"neutral","sentiment_score":0.026069028303027153},{"word":"just","start":1682.665,"end":1682.905,"confidence":0.991089,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03527914732694626},{"word":"to","start":1682.905,"end":1683.0651,"confidence":0.39510047,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.023293467238545414},{"word":"hear","start":1683.0651,"end":1683.145,"confidence":0.33175382,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.01751445233821869},{"word":"what","start":1683.145,"end":1683.2251,"confidence":0.2614894,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.016483064740896225},{"word":"excellent","start":1687.385,"end":1687.885,"confidence":0.98923683,"punctuated_word":"excellent.","sentiment":"positive","sentiment_score":0.4991486072540283},{"word":"there's","start":1688.505,"end":1688.8251,"confidence":0.9484024,"punctuated_word":"There's","sentiment":"positive","sentiment_score":0.3416626453399658},{"word":"no","start":1688.8251,"end":1689.145,"confidence":0.98828703,"punctuated_word":"no","sentiment":"positive","sentiment_score":0.34259122610092163},{"word":"setup","start":1689.145,"end":1689.4651,"confidence":0.5445526,"punctuated_word":"setup","sentiment":"neutral","sentiment_score":0.28726527094841003},{"word":"or","start":1689.4651,"end":1689.545,"confidence":0.6647201,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.23838481307029724},{"word":"implementation","start":1689.545,"end":1690.045,"confidence":0.99924374,"punctuated_word":"implementation","sentiment":"neutral","sentiment_score":0.14603030681610107},{"word":"fees","start":1690.3451,"end":1690.8251,"confidence":0.8854973,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.13643914461135864},{"word":"and","start":1690.8251,"end":1690.9851,"confidence":0.3691562,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1516341269016266},{"word":"charge","start":1690.9851,"end":1691.2251,"confidence":0.8241917,"punctuated_word":"charge","sentiment":"neutral","sentiment_score":0.09517865628004074},{"word":"for","start":1691.2251,"end":1691.385,"confidence":0.99611783,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1925211101770401},{"word":"us","start":1691.385,"end":1691.625,"confidence":0.99693716,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.2734396755695343},{"word":"for","start":1691.625,"end":1691.7051,"confidence":0.7772992,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2597251832485199},{"word":"the","start":1691.7051,"end":1691.9451,"confidence":0.9816757,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2500550150871277},{"word":"services","start":1691.9451,"end":1692.3451,"confidence":0.9950099,"punctuated_word":"services.","sentiment":"neutral","sentiment_score":0.17180797457695007},{"word":"you're","start":1692.3451,"end":1692.505,"confidence":0.9923909,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.173608660697937},{"word":"an","start":1692.505,"end":1692.665,"confidence":0.99001795,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1902464330196381},{"word":"ongoing","start":1692.665,"end":1693.14,"confidence":0.9990928,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.2036541849374771},{"word":"service","start":1693.14,"end":1693.38,"confidence":0.99800736,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.1276555359363556},{"word":"client","start":1693.38,"end":1693.62,"confidence":0.88882446,"punctuated_word":"client.","sentiment":"neutral","sentiment_score":0.1818380057811737},{"word":"you're","start":1693.62,"end":1693.78,"confidence":0.95694274,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.16979849338531494},{"word":"paying","start":1693.78,"end":1694.26,"confidence":0.99849236,"punctuated_word":"paying","sentiment":"neutral","sentiment_score":0.19629697501659393},{"word":"ongoing","start":1694.26,"end":1694.66,"confidence":0.949038,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.1309744417667389},{"word":"service","start":1694.66,"end":1694.98,"confidence":0.982042,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.09408020228147508},{"word":"fee","start":1694.98,"end":1695.14,"confidence":0.9916134,"punctuated_word":"fee","sentiment":"neutral","sentiment_score":0.19259345531463623},{"word":"of","start":1695.14,"end":1695.3,"confidence":0.96664286,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1986619383096695},{"word":"1.65%","start":1695.3,"end":1696.58,"confidence":0.9907668,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.19498103857040405},{"word":"per","start":1696.58,"end":1696.74,"confidence":0.93588346,"punctuated_word":"per","sentiment":"neutral","sentiment_score":0.17116715013980863},{"word":"annum","start":1696.74,"end":1697.14,"confidence":0.85258085,"punctuated_word":"annum.","sentiment":"neutral","sentiment_score":0.16242247819900513},{"word":"so","start":1697.14,"end":1697.46,"confidence":0.9993604,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.16473332047462463},{"word":"we","start":1697.46,"end":1697.7001,"confidence":0.9949523,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1733359396457672},{"word":"obviously","start":1697.7001,"end":1698.1,"confidence":0.9128807,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.25177425146102905},{"word":"wanna","start":1698.1,"end":1698.34,"confidence":0.99549,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.22796547412872312},{"word":"make","start":1698.34,"end":1698.5,"confidence":0.99911875,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.17953425645828247},{"word":"sure","start":1698.5,"end":1698.74,"confidence":0.9995914,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.19867071509361267},{"word":"that","start":1698.74,"end":1698.9,"confidence":0.99994254,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.23749679327011108},{"word":"this","start":1698.9,"end":1699.14,"confidence":0.9998909,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.20582592487335205},{"word":"is","start":1699.14,"end":1699.64,"confidence":0.99877745,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1759679615497589},{"word":"looking","start":1699.7001,"end":1700.18,"confidence":0.8933592,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1687510311603546},{"word":"after","start":1700.18,"end":1700.5,"confidence":0.99598455,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.16604438424110413},{"word":"you","start":1700.5,"end":1700.74,"confidence":0.999801,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.15657541155815125},{"word":"i","start":1700.74,"end":1700.9,"confidence":0.99962485,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.007195901125669479},{"word":"actually","start":1700.9,"end":1701.22,"confidence":0.9817137,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.013365834951400757},{"word":"think","start":1701.22,"end":1701.54,"confidence":0.9995347,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.009165102615952492},{"word":"this","start":1701.54,"end":1701.78,"confidence":0.99737775,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.0035363584756851196},{"word":"is","start":1701.78,"end":1701.86,"confidence":0.9990067,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.000932898372411728},{"word":"you're","start":1701.9401,"end":1702.26,"confidence":0.9913384,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0021078772842884064},{"word":"on","start":1702.26,"end":1702.42,"confidence":0.9356317,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.008008552715182304},{"word":"1.1","start":1702.42,"end":1703.46,"confidence":0.94496715,"punctuated_word":"1.1.","sentiment":"neutral","sentiment_score":-0.00005216524004936218},{"word":"so","start":1703.46,"end":1703.7001,"confidence":0.95356375,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.015072513371706007},{"word":"sorry","start":1703.7001,"end":1703.86,"confidence":0.74435663,"punctuated_word":"sorry.","sentiment":"neutral","sentiment_score":-0.03774841129779816},{"word":"there","start":1703.86,"end":1704.1,"confidence":0.99924076,"punctuated_word":"There","sentiment":"neutral","sentiment_score":-0.05407404527068138},{"word":"is","start":1704.1,"end":1704.18,"confidence":0.9073475,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0487755574285984},{"word":"a","start":1704.18,"end":1704.34,"confidence":0.99866927,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05397781729698181},{"word":"typo","start":1704.34,"end":1704.74,"confidence":0.9708756,"punctuated_word":"typo","sentiment":"neutral","sentiment_score":-0.05415213108062744},{"word":"there","start":1704.74,"end":1705.155,"confidence":0.98940516,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":-0.05906306952238083},{"word":"this","start":1706.115,"end":1706.355,"confidence":0.9685102,"punctuated_word":"This","sentiment":"neutral","sentiment_score":0.016958162188529968},{"word":"document","start":1706.355,"end":1706.855,"confidence":0.999607,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.029984645545482635},{"word":"automates","start":1706.915,"end":1707.415,"confidence":0.99355596,"punctuated_word":"automates","sentiment":"neutral","sentiment_score":0.0457792654633522},{"word":"the","start":1707.475,"end":1707.7151,"confidence":0.8542812,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.045278485864400864},{"word":"1.65%","start":1707.7151,"end":1708.8351,"confidence":0.9576523,"punctuated_word":"1.65%,","sentiment":"neutral","sentiment_score":0.028365708887577057},{"word":"but","start":1708.8351,"end":1708.995,"confidence":0.90357924,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.03495818004012108},{"word":"you're","start":1708.995,"end":1709.235,"confidence":0.99645805,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.03187015280127525},{"word":"on","start":1709.235,"end":1709.395,"confidence":0.9780556,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0585533045232296},{"word":"1.1%","start":1709.395,"end":1710.595,"confidence":0.99833333,"punctuated_word":"1.1%","sentiment":"neutral","sentiment_score":0.052013203501701355},{"word":"because","start":1710.595,"end":1710.8351,"confidence":0.9225418,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.07620986551046371},{"word":"you're","start":1710.8351,"end":1710.995,"confidence":0.974592,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.07387404888868332},{"word":"maddie's","start":1710.995,"end":1711.395,"confidence":0.91296643,"punctuated_word":"Maddie's","sentiment":"neutral","sentiment_score":0.06893830001354218},{"word":"brother","start":1711.395,"end":1711.875,"confidence":0.916329,"punctuated_word":"brother.","sentiment":"neutral","sentiment_score":0.06825527548789978},{"word":"so","start":1711.875,"end":1712.375,"confidence":0.9982663,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1048124134540558},{"word":"it's","start":1713.235,"end":1713.555,"confidence":0.98389864,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.12285608053207396},{"word":"not","start":1713.555,"end":1713.7151,"confidence":0.9998361,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.10633917897939682},{"word":"an","start":1713.7151,"end":1713.9551,"confidence":0.9998946,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.07686523348093033},{"word":"issue","start":1713.9551,"end":1714.275,"confidence":0.9947028,"punctuated_word":"issue.","sentiment":"neutral","sentiment_score":0.06984199583530426},{"word":"it's","start":1714.275,"end":1714.595,"confidence":0.99967563,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.12049055099487305},{"word":"over","start":1714.595,"end":1714.8351,"confidence":0.79060763,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.13581250607967377},{"word":"disclosed","start":1714.8351,"end":1715.3151,"confidence":0.95522255,"punctuated_word":"disclosed","sentiment":"neutral","sentiment_score":0.12403569370508194},{"word":"in","start":1715.3151,"end":1715.475,"confidence":0.9953027,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.18312233686447144},{"word":"the","start":1715.475,"end":1715.555,"confidence":0.9991756,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15938280522823334},{"word":"advice","start":1715.555,"end":1715.9551,"confidence":0.8558889,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.1057732105255127},{"word":"document","start":1715.9551,"end":1716.435,"confidence":0.9702885,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.12140856683254242},{"word":"which","start":1716.435,"end":1716.675,"confidence":0.9999155,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.1557004749774933},{"word":"is","start":1716.675,"end":1716.8351,"confidence":0.9989899,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14112825691699982},{"word":"fine","start":1716.8351,"end":1717.0751,"confidence":0.9972403,"punctuated_word":"fine","sentiment":"neutral","sentiment_score":0.13031922280788422},{"word":"as","start":1717.0751,"end":1717.155,"confidence":0.97072744,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17347194254398346},{"word":"long","start":1717.155,"end":1717.395,"confidence":0.99909663,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.18293561041355133},{"word":"as","start":1717.395,"end":1717.475,"confidence":0.99652255,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21102921664714813},{"word":"your","start":1717.475,"end":1717.635,"confidence":0.97657084,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.16254699230194092},{"word":"ongoing","start":1717.635,"end":1718.115,"confidence":0.9996636,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.14060664176940918},{"word":"service","start":1718.115,"end":1718.595,"confidence":0.9991423,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.07713256776332855},{"word":"agreement","start":1718.595,"end":1718.995,"confidence":0.99079597,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.14169180393218994},{"word":"is","start":1718.995,"end":1719.235,"confidence":0.99937636,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13876831531524658},{"word":"correct","start":1719.235,"end":1719.555,"confidence":0.8848155,"punctuated_word":"correct,","sentiment":"neutral","sentiment_score":0.12450671195983888},{"word":"and","start":1719.555,"end":1719.7151,"confidence":0.9988582,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.11878755688667296},{"word":"that","start":1719.7151,"end":1719.875,"confidence":0.9990094,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11509086936712264},{"word":"is","start":1719.875,"end":1720.035,"confidence":0.99573416,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10595964640378952},{"word":"correct","start":1720.035,"end":1720.275,"confidence":0.9978052,"punctuated_word":"correct","sentiment":"neutral","sentiment_score":0.11125832796096802},{"word":"because","start":1720.275,"end":1720.435,"confidence":0.8882129,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.12374749779701232},{"word":"i","start":1720.435,"end":1720.71,"confidence":0.9746576,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06282167136669159},{"word":"just","start":1720.71,"end":1720.87,"confidence":0.98225904,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08693597465753555},{"word":"checked","start":1720.87,"end":1721.0299,"confidence":0.99560153,"punctuated_word":"checked","sentiment":"neutral","sentiment_score":0.07777417451143265},{"word":"it","start":1721.0299,"end":1721.19,"confidence":0.9952473,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07324537634849548},{"word":"then","start":1721.19,"end":1721.6699,"confidence":0.9849086,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.05927851051092148},{"word":"so","start":1721.6699,"end":1722.1699,"confidence":0.99212533,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.032593801617622375},{"word":"i","start":1722.5499,"end":1722.7899,"confidence":0.7598422,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03533415496349335},{"word":"just","start":1722.7899,"end":1723.11,"confidence":0.99927145,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0901046097278595},{"word":"wanted","start":1723.11,"end":1723.4299,"confidence":0.9964066,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.07783162593841553},{"word":"to","start":1723.4299,"end":1723.59,"confidence":0.99857557,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06104965880513191},{"word":"make","start":1723.59,"end":1723.75,"confidence":0.9996847,"punctuated_word":"make","sentiment":"neutral","sentiment_score":-0.06367166340351105},{"word":"sure","start":1723.75,"end":1723.99,"confidence":0.99882144,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":-0.04773702099919319},{"word":"you're","start":1723.99,"end":1724.23,"confidence":0.99842095,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0625515729188919},{"word":"aware","start":1724.23,"end":1724.63,"confidence":0.99993336,"punctuated_word":"aware","sentiment":"neutral","sentiment_score":-0.0481097586452961},{"word":"that's","start":1724.63,"end":1724.87,"confidence":0.9007976,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.05025038123130798},{"word":"what","start":1724.87,"end":1725.11,"confidence":0.9997211,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.06218177080154419},{"word":"it","start":1725.11,"end":1725.27,"confidence":0.9941865,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03296064957976341},{"word":"says","start":1725.27,"end":1725.59,"confidence":0.9259523,"punctuated_word":"says.","sentiment":"neutral","sentiment_score":-0.0369262620806694},{"word":"it's","start":1725.59,"end":1725.75,"confidence":0.9684649,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.009249421767890452},{"word":"just","start":1725.75,"end":1725.99,"confidence":0.9621643,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.019202448427677155},{"word":"the","start":1725.99,"end":1726.1499,"confidence":0.77366084,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004090294241905212},{"word":"standard","start":1726.1499,"end":1726.6499,"confidence":0.99956936,"punctuated_word":"standard","sentiment":"neutral","sentiment_score":0.006253466010093689},{"word":"with","start":1726.95,"end":1727.19,"confidence":0.9364752,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05194069445133209},{"word":"most","start":1727.19,"end":1727.4299,"confidence":0.9998877,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.07774950563907623},{"word":"of","start":1727.4299,"end":1727.51,"confidence":0.9994215,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.055024392902851105},{"word":"our","start":1727.51,"end":1727.6699,"confidence":0.9990344,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.055386126041412354},{"word":"clients","start":1727.6699,"end":1727.99,"confidence":0.99909985,"punctuated_word":"clients","sentiment":"neutral","sentiment_score":0.047072865068912506},{"word":"that","start":1727.99,"end":1728.1499,"confidence":0.7420666,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05658575892448425},{"word":"you're","start":1728.1499,"end":1728.3099,"confidence":0.9972641,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0351128913462162},{"word":"obviously","start":1728.3099,"end":1728.71,"confidence":0.9518664,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.0540754571557045},{"word":"on","start":1728.71,"end":1728.87,"confidence":0.99583286,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0803852304816246},{"word":"a","start":1728.87,"end":1729.0299,"confidence":0.9836557,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06272885203361511},{"word":"discounted","start":1729.0299,"end":1729.5299,"confidence":0.99859565,"punctuated_word":"discounted","sentiment":"neutral","sentiment_score":0.02603141218423843},{"word":"rate","start":1729.59,"end":1729.83,"confidence":0.97162503,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.09257180243730544},{"word":"for","start":1729.83,"end":1729.99,"confidence":0.99906284,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.06355104595422745},{"word":"that","start":1729.99,"end":1730.07,"confidence":0.9999366,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02580222487449646},{"word":"one","start":1730.07,"end":1730.57,"confidence":0.99967206,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.018509328365325928},{"word":"if","start":1730.71,"end":1730.87,"confidence":0.9868737,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.038308896124362946},{"word":"you","start":1730.87,"end":1730.95,"confidence":0.9999386,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04701558500528336},{"word":"want","start":1730.95,"end":1731.19,"confidence":0.98958504,"punctuated_word":"want,","sentiment":"neutral","sentiment_score":0.07121545076370239},{"word":"i'm","start":1731.19,"end":1731.35,"confidence":0.9996904,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.15273690223693848},{"word":"happy","start":1731.35,"end":1731.6699,"confidence":0.9999685,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.23363326489925385},{"word":"to","start":1731.6699,"end":1731.75,"confidence":0.99847335,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2162486761808395},{"word":"go","start":1731.75,"end":1731.9099,"confidence":0.9999062,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1999533474445343},{"word":"and","start":1731.9099,"end":1732.1499,"confidence":0.92553556,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16818362474441528},{"word":"update","start":1732.1499,"end":1732.5499,"confidence":0.9985977,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.14638634026050568},{"word":"that","start":1732.5499,"end":1732.7899,"confidence":0.99989283,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.19477492570877075},{"word":"for","start":1732.7899,"end":1732.95,"confidence":0.99985075,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2165638953447342},{"word":"you","start":1732.95,"end":1733.19,"confidence":0.99986947,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12435635179281236},{"word":"to","start":1733.19,"end":1733.27,"confidence":0.99896777,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08454880118370056},{"word":"reflect","start":1733.27,"end":1733.75,"confidence":0.9999244,"punctuated_word":"reflect","sentiment":"neutral","sentiment_score":0.04982563853263855},{"word":"before","start":1733.75,"end":1734.1499,"confidence":0.99871206,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.07304779440164566},{"word":"you","start":1734.1499,"end":1734.47,"confidence":0.99977964,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03061506152153015},{"word":"read","start":1734.47,"end":1734.71,"confidence":0.9983866,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.0356711745262146},{"word":"it","start":1734.71,"end":1734.7899,"confidence":0.99056554,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.02157718688249588},{"word":"do","start":1734.7899,"end":1734.95,"confidence":0.9965509,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.08655564486980438},{"word":"you","start":1734.95,"end":1735.0299,"confidence":0.99878544,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10002314299345016},{"word":"want","start":1735.0299,"end":1735.19,"confidence":0.99955505,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.08919965475797653},{"word":"me","start":1735.19,"end":1735.35,"confidence":0.9998374,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.057022254914045334},{"word":"to","start":1735.35,"end":1735.59,"confidence":0.99896884,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08545373380184174},{"word":"change","start":1735.59,"end":1735.9099,"confidence":0.9993513,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.082572802901268},{"word":"that","start":1735.9099,"end":1736.355,"confidence":0.9997718,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10409238934516908},{"word":"ongoing","start":1736.515,"end":1736.835,"confidence":0.9988386,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":-0.08433714509010315},{"word":"service","start":1736.835,"end":1737.315,"confidence":0.9913054,"punctuated_word":"service","sentiment":"neutral","sentiment_score":-0.09313510358333588},{"word":"percentage","start":1737.315,"end":1737.715,"confidence":0.9984291,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":-0.028314858675003052},{"word":"for","start":1737.715,"end":1737.875,"confidence":0.9998491,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06231134384870529},{"word":"you","start":1737.875,"end":1738.355,"confidence":0.9196986,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":-0.050435181707143784},{"word":"it's","start":1738.355,"end":1738.515,"confidence":0.93244153,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.09623422473669052},{"word":"not","start":1738.515,"end":1739.015,"confidence":0.7344544,"punctuated_word":"not?","sentiment":"neutral","sentiment_score":-0.08154971152544022},{"word":"you","start":1739.475,"end":1739.715,"confidence":0.93829226,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.04432454705238342},{"word":"sure","start":1739.715,"end":1740.215,"confidence":0.8416844,"punctuated_word":"sure?","sentiment":"neutral","sentiment_score":-0.03956960514187813},{"word":"okay","start":1740.6749,"end":1741.1749,"confidence":0.99831665,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.027968399226665497},{"word":"beautiful","start":1742.755,"end":1743.255,"confidence":0.97698534,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.7414990663528442},{"word":"look","start":1747.235,"end":1747.735,"confidence":0.8452065,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":0.26027342677116394},{"word":"gotta","start":1747.7949,"end":1748.115,"confidence":0.7915065,"punctuated_word":"Gotta","sentiment":"neutral","sentiment_score":0.23511266708374023},{"word":"look","start":1748.115,"end":1748.355,"confidence":0.9971675,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.19412076473236084},{"word":"after","start":1748.355,"end":1748.595,"confidence":0.9943479,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.2358739972114563},{"word":"you","start":1748.595,"end":1748.835,"confidence":0.8078568,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.2225627601146698},{"word":"honestly","start":1748.835,"end":1749.235,"confidence":0.99493074,"punctuated_word":"honestly.","sentiment":"neutral","sentiment_score":0.19640523195266724},{"word":"she","start":1749.235,"end":1749.395,"confidence":0.9896326,"punctuated_word":"She","sentiment":"neutral","sentiment_score":0.08410368859767914},{"word":"sits","start":1749.395,"end":1749.635,"confidence":0.8376241,"punctuated_word":"sits","sentiment":"neutral","sentiment_score":0.08544687926769257},{"word":"behind","start":1749.635,"end":1749.955,"confidence":0.9996051,"punctuated_word":"behind","sentiment":"neutral","sentiment_score":0.08979487419128418},{"word":"me","start":1749.955,"end":1750.035,"confidence":0.99839103,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06324996799230576},{"word":"and","start":1750.035,"end":1750.115,"confidence":0.45599273,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09879948943853378},{"word":"can","start":1750.115,"end":1750.355,"confidence":0.9881589,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11009328812360764},{"word":"hear","start":1750.355,"end":1750.595,"confidence":0.9519798,"punctuated_word":"hear","sentiment":"neutral","sentiment_score":0.13467170298099518},{"word":"all","start":1750.595,"end":1750.6749,"confidence":0.9971732,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.12202873826026917},{"word":"my","start":1750.6749,"end":1750.915,"confidence":0.9954631,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.1191236823797226},{"word":"conversations","start":1750.915,"end":1751.415,"confidence":0.7081988,"punctuated_word":"conversations,","sentiment":"neutral","sentiment_score":0.1463375687599182},{"word":"so","start":1751.635,"end":1752.135,"confidence":0.9923636,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.17996780574321747},{"word":"she'll","start":1752.4099,"end":1752.73,"confidence":0.99478877,"punctuated_word":"she'll","sentiment":"neutral","sentiment_score":0.1450040191411972},{"word":"tell","start":1752.73,"end":1752.8099,"confidence":0.99897134,"punctuated_word":"tell","sentiment":"neutral","sentiment_score":0.18294738233089447},{"word":"me","start":1752.8099,"end":1753.13,"confidence":0.99912924,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.15808317065238953},{"word":"if","start":1753.13,"end":1753.2899,"confidence":0.99937797,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.15839016437530518},{"word":"i","start":1753.2899,"end":1753.5299,"confidence":0.999054,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11435442417860033},{"word":"stuff","start":1753.5299,"end":1753.7699,"confidence":0.5082068,"punctuated_word":"stuff","sentiment":"neutral","sentiment_score":0.11374203115701675},{"word":"up","start":1753.7699,"end":1753.85,"confidence":0.99400055,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.07767337560653687},{"word":"something","start":1753.85,"end":1754.35,"confidence":0.99911773,"punctuated_word":"something.","sentiment":"neutral","sentiment_score":0.10332021862268448},{"word":"no","start":1757.21,"end":1757.61,"confidence":0.774706,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0038025230169296265},{"word":"all","start":1757.61,"end":1757.85,"confidence":0.99530786,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.15432529151439667},{"word":"good","start":1757.85,"end":1758.1699,"confidence":0.93540704,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.13320845365524292},{"word":"but","start":1758.1699,"end":1758.33,"confidence":0.9997483,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.033594705164432526},{"word":"i","start":1758.33,"end":1758.4099,"confidence":0.9999212,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06258897483348846},{"word":"will","start":1758.4099,"end":1758.6499,"confidence":0.9999163,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.11358126997947691},{"word":"let","start":1758.6499,"end":1758.8099,"confidence":0.999966,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.22336748242378235},{"word":"you","start":1758.8099,"end":1758.89,"confidence":0.9998988,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22210730612277985},{"word":"go","start":1758.89,"end":1759.13,"confidence":0.999871,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1909937858581543},{"word":"and","start":1759.13,"end":1759.2899,"confidence":0.9767948,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1404726505279541},{"word":"have","start":1759.2899,"end":1759.4099,"confidence":0.9996716,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.14887896180152893},{"word":"a","start":1759.4099,"end":1759.5299,"confidence":0.999358,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17873159050941467},{"word":"bit","start":1759.5299,"end":1759.69,"confidence":0.9983181,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20444396138191223},{"word":"of","start":1759.69,"end":1759.85,"confidence":0.99910945,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2040053904056549},{"word":"a","start":1759.85,"end":1759.9299,"confidence":0.9855209,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14264659583568573},{"word":"read","start":1759.9299,"end":1760.1699,"confidence":0.9791571,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.10141286998987198},{"word":"through","start":1760.1699,"end":1760.33,"confidence":0.9952609,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0895763635635376},{"word":"that","start":1760.33,"end":1760.57,"confidence":0.7785331,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.13711044192314148},{"word":"take","start":1760.57,"end":1760.73,"confidence":0.9992144,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.15429897606372833},{"word":"it","start":1760.73,"end":1760.89,"confidence":0.999736,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1617795079946518},{"word":"in","start":1760.89,"end":1761.0499,"confidence":0.98959774,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.1180986315011978},{"word":"if","start":1761.0499,"end":1761.21,"confidence":0.99541855,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.15932096540927887},{"word":"there's","start":1761.21,"end":1761.45,"confidence":0.99718165,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.17982785403728485},{"word":"anything","start":1761.45,"end":1761.85,"confidence":0.9997012,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.23070871829986572},{"word":"that","start":1761.85,"end":1762.09,"confidence":0.87249213,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16424894332885742},{"word":"you","start":1762.09,"end":1762.25,"confidence":0.93662065,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16244754195213318},{"word":"had","start":1762.25,"end":1762.4099,"confidence":0.95955914,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.1694672703742981},{"word":"questions","start":1762.4099,"end":1762.89,"confidence":0.99473476,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.1552494615316391},{"word":"on","start":1762.89,"end":1763.0499,"confidence":0.79514706,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.14800280332565308},{"word":"wanting","start":1763.0499,"end":1763.37,"confidence":0.50659275,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.16025809943675995},{"word":"me","start":1763.37,"end":1763.5299,"confidence":0.9977738,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1814981549978256},{"word":"to","start":1763.5299,"end":1763.69,"confidence":0.99625766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15872922539711},{"word":"update","start":1763.69,"end":1764.01,"confidence":0.9996871,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.15877604484558103},{"word":"or","start":1764.01,"end":1764.1699,"confidence":0.9976157,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.1313919574022293},{"word":"clarify","start":1764.1699,"end":1764.6699,"confidence":0.99956626,"punctuated_word":"clarify,","sentiment":"neutral","sentiment_score":0.12888583540916443},{"word":"please","start":1764.8099,"end":1765.13,"confidence":0.9998584,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.16381289064884186},{"word":"let","start":1765.13,"end":1765.2899,"confidence":0.99954396,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.1573074758052826},{"word":"me","start":1765.2899,"end":1765.45,"confidence":0.9998109,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.18728527426719663},{"word":"know","start":1765.45,"end":1765.95,"confidence":0.99894637,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.188461035490036},{"word":"wanna","start":1766.365,"end":1766.525,"confidence":0.6791734,"punctuated_word":"Wanna","sentiment":"neutral","sentiment_score":0.2444542497396469},{"word":"make","start":1766.525,"end":1766.6849,"confidence":0.98024493,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.1934494376182556},{"word":"sure","start":1766.6849,"end":1766.9249,"confidence":0.99984694,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.26798245310783386},{"word":"that","start":1766.9249,"end":1767.1649,"confidence":0.8964102,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.3059430718421936},{"word":"obviously","start":1767.1649,"end":1767.4049,"confidence":0.99946463,"punctuated_word":"obviously,","sentiment":"neutral","sentiment_score":0.32793086767196655},{"word":"you're","start":1767.4049,"end":1767.645,"confidence":0.9486735,"punctuated_word":"you're","sentiment":"positive","sentiment_score":0.3834090232849121},{"word":"looked","start":1767.645,"end":1767.8049,"confidence":0.99063194,"punctuated_word":"looked","sentiment":"neutral","sentiment_score":0.3092038929462433},{"word":"after","start":1767.8049,"end":1768.205,"confidence":0.9049256,"punctuated_word":"after,","sentiment":"positive","sentiment_score":0.3764458894729614},{"word":"that","start":1768.205,"end":1768.2849,"confidence":0.99950385,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4038414359092712},{"word":"we're","start":1768.2849,"end":1768.605,"confidence":0.87495583,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.4727024435997009},{"word":"providing","start":1768.605,"end":1769.005,"confidence":0.9986499,"punctuated_word":"providing","sentiment":"positive","sentiment_score":0.4923949241638184},{"word":"the","start":1769.005,"end":1769.1649,"confidence":0.99863774,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.485416054725647},{"word":"value","start":1769.1649,"end":1769.485,"confidence":0.9998828,"punctuated_word":"value","sentiment":"positive","sentiment_score":0.4895966351032257},{"word":"of","start":1769.485,"end":1769.565,"confidence":0.99971765,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4793842136859894},{"word":"our","start":1769.565,"end":1769.8049,"confidence":0.9990564,"punctuated_word":"our","sentiment":"positive","sentiment_score":0.4346325397491455},{"word":"services","start":1769.8049,"end":1770.205,"confidence":0.81707287,"punctuated_word":"services,","sentiment":"positive","sentiment_score":0.45056599378585815},{"word":"and","start":1770.205,"end":1770.365,"confidence":0.9987595,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.49772560596466064},{"word":"that","start":1770.365,"end":1770.445,"confidence":0.99916565,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.46437758207321167},{"word":"we're","start":1770.445,"end":1770.6849,"confidence":0.9991715,"punctuated_word":"we're","sentiment":"positive","sentiment_score":0.5038001537322998},{"word":"here","start":1770.6849,"end":1770.845,"confidence":0.99944514,"punctuated_word":"here","sentiment":"positive","sentiment_score":0.5378519892692566},{"word":"to","start":1770.845,"end":1771.005,"confidence":0.9989219,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5520573258399963},{"word":"help","start":1771.005,"end":1771.1649,"confidence":0.9997937,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.5977513194084167},{"word":"you","start":1771.1649,"end":1771.325,"confidence":0.99968755,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6013730764389038},{"word":"and","start":1771.325,"end":1771.485,"confidence":0.9456799,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5343811511993408},{"word":"to","start":1771.485,"end":1771.565,"confidence":0.9471413,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5278147459030151},{"word":"meet","start":1771.565,"end":1771.725,"confidence":0.98152566,"punctuated_word":"meet","sentiment":"positive","sentiment_score":0.6240147352218628},{"word":"all","start":1771.725,"end":1771.845,"confidence":0.99902153,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.5753297209739685},{"word":"of","start":1771.845,"end":1771.965,"confidence":0.9883614,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5857260823249817},{"word":"your","start":1771.965,"end":1772.205,"confidence":0.9992493,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4966881573200226},{"word":"goals","start":1772.205,"end":1772.705,"confidence":0.9911573,"punctuated_word":"goals.","sentiment":"positive","sentiment_score":0.3620763421058655},{"word":"so","start":1772.845,"end":1773.345,"confidence":0.89157176,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.13459539413452148},{"word":"yeah","start":1773.4049,"end":1773.9049,"confidence":0.99522966,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.13091342151165009},{"word":"that's","start":1774.0449,"end":1774.525,"confidence":0.999106,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.14793767035007477},{"word":"basically","start":1774.525,"end":1775.025,"confidence":0.98640555,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.06068076938390732},{"word":"the","start":1775.325,"end":1775.565,"confidence":0.9923341,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.033671893179416656},{"word":"advice","start":1775.565,"end":1776.065,"confidence":0.9907373,"punctuated_word":"advice.","sentiment":"neutral","sentiment_score":0.03970583900809288},{"word":"perfect","start":1779.65,"end":1780.13,"confidence":0.99249136,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.483257919549942},{"word":"perfect","start":1780.13,"end":1780.63,"confidence":0.9994516,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5834763050079346},{"word":"if","start":1780.69,"end":1781.01,"confidence":0.57745534,"punctuated_word":"If","sentiment":"positive","sentiment_score":0.34232309460639954},{"word":"you","start":1781.01,"end":1781.09,"confidence":0.9998024,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2608712613582611},{"word":"decide","start":1781.09,"end":1781.41,"confidence":0.9799074,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.30621910095214844},{"word":"to","start":1781.41,"end":1781.57,"confidence":0.9979469,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3088985085487366},{"word":"take","start":1781.57,"end":1781.73,"confidence":0.9998031,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.3056848645210266},{"word":"on","start":1781.73,"end":1781.89,"confidence":0.99310666,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.3522423207759857},{"word":"all","start":1781.89,"end":1782.0499,"confidence":0.9998022,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.255615770816803},{"word":"of","start":1782.0499,"end":1782.21,"confidence":0.99892646,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2705549895763397},{"word":"that","start":1782.21,"end":1782.45,"confidence":0.98469734,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.284040629863739},{"word":"how","start":1782.45,"end":1782.77,"confidence":0.9970317,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.2947830855846405},{"word":"implementation","start":1782.77,"end":1783.27,"confidence":0.94465995,"punctuated_word":"implementation","sentiment":"neutral","sentiment_score":0.2259305715560913},{"word":"should","start":1783.49,"end":1783.73,"confidence":0.999561,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.3085356056690216},{"word":"go","start":1783.73,"end":1783.89,"confidence":0.99751246,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.3468102514743805},{"word":"is","start":1783.89,"end":1784.13,"confidence":0.8429551,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.288982629776001},{"word":"you","start":1784.13,"end":1784.29,"confidence":0.9731756,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2942447066307068},{"word":"sign","start":1784.29,"end":1784.53,"confidence":0.98558635,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.2154528945684433},{"word":"the","start":1784.53,"end":1784.69,"confidence":0.9945747,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2834794819355011},{"word":"document","start":1784.69,"end":1785.09,"confidence":0.8447865,"punctuated_word":"document,","sentiment":"neutral","sentiment_score":0.30864161252975464},{"word":"you","start":1785.09,"end":1785.25,"confidence":0.9992187,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.26685160398483276},{"word":"send","start":1785.25,"end":1785.49,"confidence":0.9971501,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.2747516632080078},{"word":"it","start":1785.49,"end":1785.65,"confidence":0.8530235,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3127685487270355},{"word":"back","start":1785.65,"end":1785.8099,"confidence":0.9998913,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.3021388649940491},{"word":"to","start":1785.8099,"end":1785.97,"confidence":0.9985947,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2933044731616974},{"word":"us","start":1785.97,"end":1786.47,"confidence":0.78038,"punctuated_word":"us.","sentiment":"neutral","sentiment_score":0.25303342938423157},{"word":"we'll","start":1786.61,"end":1786.85,"confidence":0.95860076,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.212295800447464},{"word":"start","start":1786.85,"end":1787.09,"confidence":0.96548146,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.23088520765304563},{"word":"by","start":1787.09,"end":1787.25,"confidence":0.9980605,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.2109367698431015},{"word":"the","start":1787.25,"end":1787.49,"confidence":0.99975806,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.247531458735466},{"word":"investment","start":1787.49,"end":1787.97,"confidence":0.9735049,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.13719291985034943},{"word":"switch","start":1787.97,"end":1788.21,"confidence":0.9563012,"punctuated_word":"switch,","sentiment":"neutral","sentiment_score":0.16805367171764374},{"word":"and","start":1788.21,"end":1788.37,"confidence":0.99976903,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18975023925304413},{"word":"then","start":1788.37,"end":1788.53,"confidence":0.99985313,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2562302350997925},{"word":"we'll","start":1788.53,"end":1788.69,"confidence":0.9978968,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.25689369440078735},{"word":"book","start":1788.69,"end":1788.85,"confidence":0.99818146,"punctuated_word":"book","sentiment":"neutral","sentiment_score":0.28826820850372314},{"word":"you","start":1788.85,"end":1789.01,"confidence":0.99847156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2840462327003479},{"word":"in","start":1789.01,"end":1789.17,"confidence":0.9940388,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2628193497657776},{"word":"with","start":1789.17,"end":1789.33,"confidence":0.9669338,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2514365017414093},{"word":"our","start":1789.33,"end":1789.49,"confidence":0.9879071,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.26290982961654663},{"word":"admin","start":1789.49,"end":1789.89,"confidence":0.99747974,"punctuated_word":"admin","sentiment":"neutral","sentiment_score":0.26179584860801697},{"word":"team","start":1789.89,"end":1790.39,"confidence":0.9304534,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.225030854344368},{"word":"start","start":1790.625,"end":1790.945,"confidence":0.74363154,"punctuated_word":"start","sentiment":"neutral","sentiment_score":0.33068594336509705},{"word":"to","start":1790.945,"end":1791.025,"confidence":0.9429617,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3582679033279419},{"word":"go","start":1791.025,"end":1791.105,"confidence":0.9908959,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.3207409679889679},{"word":"through","start":1791.105,"end":1791.345,"confidence":0.9772191,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.33779293298721313},{"word":"the","start":1791.345,"end":1791.585,"confidence":0.9986928,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3080977499485016},{"word":"application","start":1791.585,"end":1791.985,"confidence":0.9891349,"punctuated_word":"application","sentiment":"neutral","sentiment_score":0.23439964652061465},{"word":"for","start":1791.985,"end":1792.145,"confidence":0.88919455,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22258183360099792},{"word":"the","start":1792.145,"end":1792.305,"confidence":0.9941269,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19115695357322693},{"word":"child","start":1792.305,"end":1792.545,"confidence":0.98647064,"punctuated_word":"child","sentiment":"neutral","sentiment_score":0.13744577765464783},{"word":"trauma","start":1792.545,"end":1792.945,"confidence":0.99655664,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.16455332934856415},{"word":"policy","start":1792.945,"end":1793.445,"confidence":0.9360063,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":0.22115598618984225},{"word":"have","start":1793.505,"end":1793.665,"confidence":0.9990972,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3140641450881958},{"word":"it","start":1793.665,"end":1793.825,"confidence":0.98211586,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.29463809728622437},{"word":"submitted","start":1793.825,"end":1794.225,"confidence":0.99760014,"punctuated_word":"submitted","sentiment":"neutral","sentiment_score":0.19692064821720123},{"word":"off","start":1794.225,"end":1794.465,"confidence":0.84825164,"punctuated_word":"off,","sentiment":"neutral","sentiment_score":0.18264469504356384},{"word":"and","start":1795.105,"end":1795.345,"confidence":0.9989906,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2621920108795166},{"word":"organized","start":1795.345,"end":1795.745,"confidence":0.7244774,"punctuated_word":"organized","sentiment":"positive","sentiment_score":0.4304988980293274},{"word":"for","start":1795.745,"end":1795.905,"confidence":0.65990424,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.45062685012817383},{"word":"that","start":1795.905,"end":1796.065,"confidence":0.99977595,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.37916064262390137},{"word":"to","start":1796.065,"end":1796.145,"confidence":0.99745387,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.39457789063453674},{"word":"be","start":1796.145,"end":1796.305,"confidence":0.9998178,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.40837693214416504},{"word":"linked","start":1796.305,"end":1796.545,"confidence":0.99884087,"punctuated_word":"linked","sentiment":"positive","sentiment_score":0.3947078883647918},{"word":"to","start":1796.545,"end":1796.625,"confidence":0.9946025,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4389752149581909},{"word":"the","start":1796.625,"end":1796.785,"confidence":0.99758744,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.39524897933006287},{"word":"other","start":1796.785,"end":1797.025,"confidence":0.9990796,"punctuated_word":"other","sentiment":"positive","sentiment_score":0.3561992645263672},{"word":"policies","start":1797.025,"end":1797.425,"confidence":0.9575542,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.22533778846263883},{"word":"to","start":1797.425,"end":1797.585,"confidence":0.9869986,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3569883704185486},{"word":"make","start":1797.585,"end":1797.745,"confidence":0.99994993,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.432891309261322},{"word":"it","start":1797.745,"end":1797.905,"confidence":0.9993728,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4057298302650452},{"word":"nice","start":1797.905,"end":1798.145,"confidence":0.999882,"punctuated_word":"nice","sentiment":"positive","sentiment_score":0.5118407011032104},{"word":"and","start":1798.145,"end":1798.305,"confidence":0.9992093,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4636797606945038},{"word":"easy","start":1798.305,"end":1798.805,"confidence":0.9994079,"punctuated_word":"easy.","sentiment":"neutral","sentiment_score":0.3134673535823822},{"word":"okay","start":1798.865,"end":1799.365,"confidence":0.9914063,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.302754282951355},{"word":"very","start":1799.505,"end":1799.825,"confidence":0.9963354,"punctuated_word":"Very","sentiment":"positive","sentiment_score":0.50010085105896},{"word":"easy","start":1799.825,"end":1800.225,"confidence":0.99789006,"punctuated_word":"easy","sentiment":"positive","sentiment_score":0.4912416636943817},{"word":"implementation","start":1800.225,"end":1800.725,"confidence":0.9977279,"punctuated_word":"implementation.","sentiment":"positive","sentiment_score":0.45350977778434753},{"word":"yeah","start":1801.265,"end":1801.585,"confidence":0.9986365,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10285644233226776},{"word":"of","start":1801.585,"end":1801.745,"confidence":0.98769975,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.028306761756539345},{"word":"course","start":1801.745,"end":1802.245,"confidence":0.9993442,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.0324702225625515},{"word":"yeah","start":1802.64,"end":1803.14,"confidence":0.8349533,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.000894082710146904},{"word":"mhmm","start":1809.52,"end":1810.02,"confidence":0.9553002,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.006927406881004572},{"word":"yep","start":1810.08,"end":1810.58,"confidence":0.7885771,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.0025141569785773754},{"word":"you","start":1810.64,"end":1811.14,"confidence":0.6726015,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.023825131356716156},{"word":"you","start":1813.68,"end":1814.08,"confidence":0.9681779,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02028839662671089},{"word":"absolutely","start":1814.08,"end":1814.58,"confidence":0.99938726,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.05970532447099686},{"word":"can","start":1814.88,"end":1815.38,"confidence":0.9992017,"punctuated_word":"can.","sentiment":"neutral","sentiment_score":0.03836182504892349},{"word":"there's","start":1816.035,"end":1816.275,"confidence":0.9879533,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":-0.011269614100456238},{"word":"nothing","start":1816.275,"end":1816.515,"confidence":0.99997663,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.0001552775502204895},{"word":"wrong","start":1816.515,"end":1816.675,"confidence":0.9997991,"punctuated_word":"wrong","sentiment":"neutral","sentiment_score":-0.031113602221012115},{"word":"with","start":1816.675,"end":1816.915,"confidence":0.999561,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.028747618198394775},{"word":"you","start":1816.915,"end":1817.0751,"confidence":0.99814236,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04030713438987732},{"word":"holding","start":1817.0751,"end":1817.395,"confidence":0.99977416,"punctuated_word":"holding","sentiment":"neutral","sentiment_score":-0.021739155054092407},{"word":"a","start":1817.395,"end":1817.555,"confidence":0.99530375,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.013232585042715073},{"word":"policy","start":1817.555,"end":1818.055,"confidence":0.9999776,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.03502894192934036},{"word":"for","start":1818.1151,"end":1818.3551,"confidence":0.99994767,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.02380979061126709},{"word":"her","start":1818.3551,"end":1818.755,"confidence":0.98727834,"punctuated_word":"her.","sentiment":"neutral","sentiment_score":-0.021987948566675183},{"word":"however","start":1818.755,"end":1819.155,"confidence":0.9998081,"punctuated_word":"However,","sentiment":"neutral","sentiment_score":-0.027948573231697083},{"word":"it","start":1819.155,"end":1819.3151,"confidence":0.9997105,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.050344549119472504},{"word":"is","start":1819.3151,"end":1819.4751,"confidence":0.9997757,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0143376886844635},{"word":"probably","start":1819.4751,"end":1819.795,"confidence":0.9984276,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.028151385486125943},{"word":"that","start":1819.795,"end":1819.9551,"confidence":0.6288651,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04882954806089401},{"word":"it's","start":1819.9551,"end":1820.1951,"confidence":0.9862559,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.06009645387530327},{"word":"for","start":1820.1951,"end":1820.3551,"confidence":0.9884418,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.08535490930080414},{"word":"her","start":1820.3551,"end":1820.515,"confidence":0.9996754,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.06880304217338562},{"word":"to","start":1820.515,"end":1820.675,"confidence":0.9989249,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07105562090873718},{"word":"hold","start":1820.675,"end":1820.915,"confidence":0.9996172,"punctuated_word":"hold","sentiment":"neutral","sentiment_score":-0.04962465539574623},{"word":"her","start":1820.915,"end":1821.155,"confidence":0.9996506,"punctuated_word":"her","sentiment":"neutral","sentiment_score":-0.08535021543502808},{"word":"own","start":1821.155,"end":1821.395,"confidence":0.99056554,"punctuated_word":"own","sentiment":"neutral","sentiment_score":-0.10380223393440248},{"word":"policy","start":1821.395,"end":1821.895,"confidence":0.99936557,"punctuated_word":"policy.","sentiment":"neutral","sentiment_score":-0.06628572940826416},{"word":"she's","start":1823.0751,"end":1823.3151,"confidence":0.964962,"punctuated_word":"She's","sentiment":"neutral","sentiment_score":-0.10907027125358582},{"word":"not","start":1823.3151,"end":1823.555,"confidence":0.9997683,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.13390175998210907},{"word":"working","start":1823.555,"end":1823.9551,"confidence":0.999944,"punctuated_word":"working","sentiment":"neutral","sentiment_score":-0.10402580350637436},{"word":"at","start":1823.9551,"end":1824.035,"confidence":0.9836962,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.21258482336997983},{"word":"the","start":1824.035,"end":1824.1151,"confidence":0.9993374,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16073809564113617},{"word":"moment","start":1824.1151,"end":1824.435,"confidence":0.95825225,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.1542874574661255},{"word":"is","start":1824.435,"end":1824.675,"confidence":0.99968755,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.09119199216365814},{"word":"she","start":1824.675,"end":1825.175,"confidence":0.9997624,"punctuated_word":"she?","sentiment":"neutral","sentiment_score":-0.09239692240953444},{"word":"no","start":1825.9551,"end":1826.1951,"confidence":0.9541111,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.17267000675201416},{"word":"that's","start":1826.1951,"end":1826.5951,"confidence":0.9997741,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.14992639422416687},{"word":"okay","start":1826.5951,"end":1827.0751,"confidence":0.9997846,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.11344724893569946},{"word":"so","start":1827.0751,"end":1827.4751,"confidence":0.99971896,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08909818530082703},{"word":"we","start":1827.4751,"end":1827.635,"confidence":0.99922776,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.06575550138950348},{"word":"can","start":1827.635,"end":1827.9551,"confidence":0.99840254,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.03898508474230766},{"word":"just","start":1827.9551,"end":1828.1151,"confidence":0.99359715,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05464232340455055},{"word":"provide","start":1828.1151,"end":1828.5951,"confidence":0.8344695,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":-0.04573504254221916},{"word":"it","start":1828.5951,"end":1828.635,"confidence":0.9052685,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.046819861978292465},{"word":"i","start":1828.675,"end":1828.8351,"confidence":0.96325,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06441415846347809},{"word":"know","start":1828.8351,"end":1828.995,"confidence":0.9871191,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.06830394268035889},{"word":"because","start":1829.0751,"end":1829.3151,"confidence":0.99783117,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06728792935609818},{"word":"she","start":1829.3151,"end":1829.4751,"confidence":0.99885225,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.06709008663892746},{"word":"might","start":1829.4751,"end":1829.635,"confidence":0.9998367,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.08090687543153763},{"word":"have","start":1829.635,"end":1829.85,"confidence":0.9996705,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0949934870004654},{"word":"super","start":1829.9299,"end":1830.1699,"confidence":0.85995173,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.0955764502286911},{"word":"somewhere","start":1830.1699,"end":1830.33,"confidence":0.98712265,"punctuated_word":"somewhere","sentiment":"neutral","sentiment_score":-0.1704268753528595},{"word":"else","start":1830.33,"end":1830.57,"confidence":0.84640217,"punctuated_word":"else,","sentiment":"neutral","sentiment_score":-0.10493112355470656},{"word":"but","start":1830.57,"end":1830.8099,"confidence":0.999476,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.06286162883043289},{"word":"when","start":1830.8099,"end":1831.0499,"confidence":0.99934095,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.12086205184459686},{"word":"she's","start":1831.0499,"end":1831.21,"confidence":0.99986035,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.13394586741924286},{"word":"not","start":1831.21,"end":1831.45,"confidence":0.9996599,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.13271932303905487},{"word":"working","start":1831.45,"end":1831.69,"confidence":0.96852016,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":-0.14708329737186432},{"word":"it's","start":1831.69,"end":1831.85,"confidence":0.98620975,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.18727783858776093},{"word":"sort","start":1831.85,"end":1832.01,"confidence":0.98866194,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.222322016954422},{"word":"of","start":1832.01,"end":1832.1699,"confidence":0.98731774,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2406163215637207},{"word":"not","start":1832.1699,"end":1832.25,"confidence":0.9988809,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.23030126094818115},{"word":"really","start":1832.25,"end":1832.41,"confidence":0.99961096,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.19458183646202087},{"word":"worth","start":1832.41,"end":1832.73,"confidence":0.99802834,"punctuated_word":"worth","sentiment":"neutral","sentiment_score":-0.1965693086385727},{"word":"looking","start":1832.73,"end":1832.97,"confidence":0.99265105,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.24827709794044495},{"word":"at","start":1832.97,"end":1833.0499,"confidence":0.99734986,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.27505728602409363},{"word":"a","start":1833.0499,"end":1833.2899,"confidence":0.87044984,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.23477929830551147},{"word":"super","start":1833.2899,"end":1833.61,"confidence":0.9139499,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":-0.15000107884407043},{"word":"but","start":1833.61,"end":1833.77,"confidence":0.9990896,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.037505488842725754},{"word":"we","start":1833.77,"end":1833.9299,"confidence":0.99929357,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.029531020671129227},{"word":"can","start":1833.9299,"end":1834.09,"confidence":0.99941576,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.0406733900308609},{"word":"do","start":1834.09,"end":1834.33,"confidence":0.9983109,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.052006155252456665},{"word":"advice","start":1834.33,"end":1834.8099,"confidence":0.9037387,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":-0.058197297155857086},{"word":"for","start":1834.8099,"end":1835.13,"confidence":0.9996432,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0789029598236084},{"word":"insurance","start":1835.13,"end":1835.63,"confidence":0.999703,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":-0.062210116535425186},{"word":"only","start":1835.69,"end":1836.19,"confidence":0.966794,"punctuated_word":"only.","sentiment":"neutral","sentiment_score":-0.06101752817630768},{"word":"so","start":1836.65,"end":1836.89,"confidence":0.58920115,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.014213046059012411},{"word":"if","start":1836.89,"end":1837.0499,"confidence":0.99932003,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0191669724881649},{"word":"she","start":1837.0499,"end":1837.2899,"confidence":0.9997509,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.018345024436712265},{"word":"does","start":1837.2899,"end":1837.45,"confidence":0.9976464,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.0235830582678318},{"word":"wanna","start":1837.45,"end":1837.85,"confidence":0.99783045,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.01314377598464489},{"word":"look","start":1837.85,"end":1838.09,"confidence":0.99935895,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.019708164036273956},{"word":"at","start":1838.09,"end":1838.59,"confidence":0.95533913,"punctuated_word":"at,","sentiment":"neutral","sentiment_score":-0.035951387137174606},{"word":"like","start":1838.8099,"end":1839.0499,"confidence":0.8685944,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.027118638157844543},{"word":"a","start":1839.0499,"end":1839.13,"confidence":0.9985386,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.029706964269280434},{"word":"life","start":1839.13,"end":1839.45,"confidence":0.98907894,"punctuated_word":"life","sentiment":"neutral","sentiment_score":-0.04715831950306893},{"word":"policy","start":1839.45,"end":1839.9299,"confidence":0.99972624,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.02754804491996765},{"word":"or","start":1839.9299,"end":1840.1699,"confidence":0.99913615,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.029948078095912933},{"word":"something","start":1840.1699,"end":1840.49,"confidence":0.9999292,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.04029882326722145},{"word":"like","start":1840.49,"end":1840.65,"confidence":0.999495,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.049011170864105225},{"word":"that","start":1840.65,"end":1840.8099,"confidence":0.99903464,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.028895065188407894},{"word":"while","start":1840.8099,"end":1841.0499,"confidence":0.6754332,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.05437231808900833},{"word":"she's","start":1841.0499,"end":1841.2899,"confidence":0.9996416,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":-0.06018039584159851},{"word":"not","start":1841.2899,"end":1841.53,"confidence":0.99979967,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07090240716934204},{"word":"working","start":1841.53,"end":1841.77,"confidence":0.9938928,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":-0.07486897706985474},{"word":"it's","start":1841.77,"end":1842.01,"confidence":0.9995289,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.08665192127227783},{"word":"hard","start":1842.01,"end":1842.25,"confidence":0.99909675,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.11778497695922852},{"word":"to","start":1842.25,"end":1842.41,"confidence":0.9992399,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.11861208826303482},{"word":"kind","start":1842.41,"end":1842.57,"confidence":0.9929905,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.0924314260482788},{"word":"of","start":1842.57,"end":1842.65,"confidence":0.9995036,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.09925932437181471},{"word":"look","start":1842.65,"end":1842.8099,"confidence":0.99382293,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.105986088514328},{"word":"at","start":1842.8099,"end":1843.0499,"confidence":0.9990773,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10335120558738708},{"word":"income","start":1843.0499,"end":1843.37,"confidence":0.9953642,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.09685561805963516},{"word":"protection","start":1843.37,"end":1843.85,"confidence":0.99658185,"punctuated_word":"protection","sentiment":"neutral","sentiment_score":-0.07861557602882385},{"word":"or","start":1843.85,"end":1843.9299,"confidence":0.9853279,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05949893593788147},{"word":"tbd","start":1843.9299,"end":1844.4299,"confidence":0.7281066,"punctuated_word":"TBD,","sentiment":"neutral","sentiment_score":-0.021650290116667747},{"word":"but","start":1844.57,"end":1844.73,"confidence":0.9992173,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.004238605499267578},{"word":"we","start":1844.73,"end":1844.985,"confidence":0.99955267,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0032879672944545746},{"word":"can","start":1844.985,"end":1845.225,"confidence":0.99870884,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.01661686599254608},{"word":"look","start":1845.225,"end":1845.385,"confidence":0.9992986,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.02603784576058388},{"word":"at","start":1845.385,"end":1845.465,"confidence":0.99936944,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0202755406498909},{"word":"life","start":1845.465,"end":1845.785,"confidence":0.9973093,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.007538698613643646},{"word":"and","start":1845.785,"end":1846.025,"confidence":0.7427917,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0095079243183136},{"word":"trauma","start":1846.025,"end":1846.505,"confidence":0.98102957,"punctuated_word":"trauma","sentiment":"neutral","sentiment_score":0.008077472448348999},{"word":"policies","start":1846.505,"end":1847.005,"confidence":0.9981736,"punctuated_word":"policies","sentiment":"neutral","sentiment_score":0.015024125576019289},{"word":"for","start":1847.065,"end":1847.3049,"confidence":0.99986506,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.006815765053033829},{"word":"her","start":1847.3049,"end":1847.8049,"confidence":0.99952507,"punctuated_word":"her.","sentiment":"neutral","sentiment_score":0.012863732874393463},{"word":"we","start":1848.265,"end":1848.4249,"confidence":0.62624824,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.03494572639465332},{"word":"can","start":1848.4249,"end":1848.745,"confidence":0.99982184,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.050202250480651855},{"word":"also","start":1848.745,"end":1849.145,"confidence":0.99902713,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.03957857936620712},{"word":"look","start":1849.145,"end":1849.625,"confidence":0.99896586,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.034075669944286346},{"word":"at","start":1849.625,"end":1849.785,"confidence":0.9994106,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03876963630318642},{"word":"maybe","start":1849.785,"end":1850.285,"confidence":0.8734177,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.05406546592712402},{"word":"home","start":1850.905,"end":1851.405,"confidence":0.9044485,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.025740962475538257},{"word":"duties","start":1851.465,"end":1851.965,"confidence":0.96765935,"punctuated_word":"duties","sentiment":"neutral","sentiment_score":0.04698844626545906},{"word":"tbd","start":1852.105,"end":1852.605,"confidence":0.95763373,"punctuated_word":"TBD,","sentiment":"neutral","sentiment_score":0.032421812415122986},{"word":"which","start":1852.905,"end":1853.145,"confidence":0.9998099,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.036397386342287064},{"word":"essentially","start":1853.145,"end":1853.625,"confidence":0.98106015,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.02191389910876751},{"word":"means","start":1853.625,"end":1853.945,"confidence":0.9994148,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.017717305570840836},{"word":"that","start":1853.945,"end":1854.1849,"confidence":0.9989034,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04175785183906555},{"word":"if","start":1854.1849,"end":1854.345,"confidence":0.99571484,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.040823668241500854},{"word":"she's","start":1854.345,"end":1854.665,"confidence":0.9517025,"punctuated_word":"she's","sentiment":"neutral","sentiment_score":0.02892378345131874},{"word":"not","start":1854.665,"end":1854.985,"confidence":0.9992124,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.01029766909778118},{"word":"able","start":1854.985,"end":1855.485,"confidence":0.99939287,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.006421705707907677},{"word":"to","start":1856.1849,"end":1856.345,"confidence":0.99413246,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.008611999452114105},{"word":"do","start":1856.345,"end":1856.585,"confidence":0.9943389,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.010620828717947006},{"word":"her","start":1856.585,"end":1856.745,"confidence":0.99865216,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.007379915565252304},{"word":"home","start":1856.745,"end":1856.985,"confidence":0.9990451,"punctuated_word":"home","sentiment":"neutral","sentiment_score":-0.01165793091058731},{"word":"duties","start":1856.985,"end":1857.3049,"confidence":0.9899311,"punctuated_word":"duties","sentiment":"neutral","sentiment_score":0.01434149220585823},{"word":"due","start":1857.3049,"end":1857.57,"confidence":0.9862124,"punctuated_word":"due","sentiment":"neutral","sentiment_score":0.013540856540203094},{"word":"to","start":1857.57,"end":1857.8099,"confidence":0.999584,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04651410877704621},{"word":"something","start":1857.8099,"end":1858.3099,"confidence":0.8917264,"punctuated_word":"something,","sentiment":"neutral","sentiment_score":0.05250214785337448},{"word":"that","start":1858.61,"end":1858.85,"confidence":0.92828816,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05869796872138977},{"word":"the","start":1858.85,"end":1859.0099,"confidence":0.99931383,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06412998586893082},{"word":"money","start":1859.0099,"end":1859.33,"confidence":0.99996984,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.04181637242436409},{"word":"can","start":1859.33,"end":1859.49,"confidence":0.99987745,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.04888450354337692},{"word":"be","start":1859.49,"end":1859.6499,"confidence":0.9995425,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.05855816230177879},{"word":"used","start":1859.6499,"end":1859.97,"confidence":0.99989426,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.041913729161024094},{"word":"to","start":1859.97,"end":1860.0499,"confidence":0.99954337,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04671335965394974},{"word":"have","start":1860.0499,"end":1860.2899,"confidence":0.99986875,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.047546230256557465},{"word":"cleaners","start":1860.2899,"end":1860.7699,"confidence":0.9983211,"punctuated_word":"cleaners","sentiment":"neutral","sentiment_score":0.03146287053823471},{"word":"and","start":1860.7699,"end":1860.9299,"confidence":0.9435567,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04456931725144386},{"word":"childcare","start":1860.9299,"end":1861.4099,"confidence":0.6606151,"punctuated_word":"childcare","sentiment":"neutral","sentiment_score":0.03561226651072502},{"word":"and","start":1861.4099,"end":1861.6499,"confidence":0.9891116,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04215329140424728},{"word":"things","start":1861.6499,"end":1861.97,"confidence":0.9998971,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.05187664180994034},{"word":"like","start":1861.97,"end":1862.13,"confidence":0.9983885,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.04644022509455681},{"word":"that","start":1862.13,"end":1862.45,"confidence":0.99986446,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07104601711034775},{"word":"set","start":1862.45,"end":1862.61,"confidence":0.95093375,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.04610259830951691},{"word":"up","start":1862.61,"end":1863.11,"confidence":0.8112941,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.05343015491962433},{"word":"and","start":1863.1699,"end":1863.4099,"confidence":0.9986376,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0903041660785675},{"word":"you","start":1863.4099,"end":1863.49,"confidence":0.9975419,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11965756118297576},{"word":"can","start":1863.49,"end":1863.8099,"confidence":0.9998555,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08881497383117676},{"word":"get","start":1863.8099,"end":1864.13,"confidence":0.9984535,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07558591663837433},{"word":"home","start":1864.13,"end":1864.37,"confidence":0.99945146,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.04935979098081589},{"word":"duties","start":1864.37,"end":1864.85,"confidence":0.9841844,"punctuated_word":"duties,","sentiment":"neutral","sentiment_score":0.06592253595590591},{"word":"occupation","start":1864.85,"end":1865.35,"confidence":0.9180962,"punctuated_word":"occupation,","sentiment":"neutral","sentiment_score":0.05380084738135338},{"word":"tbd","start":1865.6499,"end":1866.1499,"confidence":0.79043126,"punctuated_word":"TBD.","sentiment":"neutral","sentiment_score":0.049262505024671555},{"word":"so","start":1866.61,"end":1867.09,"confidence":0.99948114,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08236493915319443},{"word":"we","start":1867.09,"end":1867.25,"confidence":0.99935037,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08388122916221619},{"word":"can","start":1867.25,"end":1867.49,"confidence":0.9997688,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2506639361381531},{"word":"absolutely","start":1867.49,"end":1867.97,"confidence":0.9830647,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.294363796710968},{"word":"look","start":1867.97,"end":1868.21,"confidence":0.9988727,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.2623094320297241},{"word":"at","start":1868.21,"end":1868.2899,"confidence":0.9996177,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2717839479446411},{"word":"those","start":1868.2899,"end":1868.5299,"confidence":0.999044,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.3242513835430145},{"word":"sorts","start":1868.5299,"end":1868.7699,"confidence":0.9930749,"punctuated_word":"sorts","sentiment":"neutral","sentiment_score":0.30569496750831604},{"word":"of","start":1868.7699,"end":1868.9299,"confidence":0.9996939,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3241969048976898},{"word":"options","start":1868.9299,"end":1869.4099,"confidence":0.9997397,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.21446631848812103},{"word":"for","start":1869.4099,"end":1869.57,"confidence":0.99987245,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3836674094200134},{"word":"her","start":1869.57,"end":1869.8899,"confidence":0.99979395,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.22629742324352264},{"word":"if","start":1869.8899,"end":1870.0499,"confidence":0.64785993,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.3532869517803192},{"word":"she","start":1870.0499,"end":1870.21,"confidence":0.9306812,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.24782794713974},{"word":"would","start":1870.21,"end":1870.37,"confidence":0.99988866,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.29632097482681274},{"word":"like","start":1870.37,"end":1870.695,"confidence":0.99980694,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.2622504234313965},{"word":"to","start":1870.7749,"end":1871.1749,"confidence":0.99083793,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.32710880041122437},{"word":"i'm","start":1871.1749,"end":1871.575,"confidence":0.72916365,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6807479858398438},{"word":"happy","start":1871.575,"end":1871.975,"confidence":0.98699653,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.7178582549095154},{"word":"to","start":1871.975,"end":1872.2949,"confidence":0.99908686,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6195489764213562},{"word":"help","start":1872.2949,"end":1872.5349,"confidence":0.99966574,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.6169756054878235},{"word":"her","start":1872.5349,"end":1872.695,"confidence":0.9984006,"punctuated_word":"her","sentiment":"positive","sentiment_score":0.6310029029846191},{"word":"out","start":1872.695,"end":1872.855,"confidence":0.99715865,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.7040203809738159},{"word":"and","start":1872.855,"end":1873.0149,"confidence":0.99227166,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6089667677879333},{"word":"have","start":1873.0149,"end":1873.255,"confidence":0.9557467,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.6892263293266296},{"word":"that","start":1873.255,"end":1873.4149,"confidence":0.99940073,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.701052188873291},{"word":"conversation","start":1873.4149,"end":1873.9149,"confidence":0.99960965,"punctuated_word":"conversation","sentiment":"positive","sentiment_score":0.5847788453102112},{"word":"initially","start":1874.0549,"end":1874.5549,"confidence":0.8142576,"punctuated_word":"initially,","sentiment":"positive","sentiment_score":0.5041803121566772},{"word":"talk","start":1874.9349,"end":1875.095,"confidence":0.92510706,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.2963206470012665},{"word":"about","start":1875.095,"end":1875.335,"confidence":0.9980014,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.30928024649620056},{"word":"what","start":1875.335,"end":1875.495,"confidence":0.99830496,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2870814800262451},{"word":"we","start":1875.495,"end":1875.6549,"confidence":0.9994778,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.25398409366607666},{"word":"do","start":1875.6549,"end":1875.815,"confidence":0.99826354,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2600163221359253},{"word":"and","start":1875.815,"end":1875.975,"confidence":0.98528624,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3162176012992859},{"word":"how","start":1875.975,"end":1876.215,"confidence":0.99973255,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.28950899839401245},{"word":"it","start":1876.215,"end":1876.2949,"confidence":0.9965042,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3188922107219696},{"word":"works","start":1876.2949,"end":1876.7749,"confidence":0.8840865,"punctuated_word":"works,","sentiment":"neutral","sentiment_score":0.30546510219573975},{"word":"and","start":1876.7749,"end":1877.2749,"confidence":0.972294,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30218562483787537},{"word":"provide","start":1877.4149,"end":1877.815,"confidence":0.71746767,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.31597304344177246},{"word":"advice","start":1877.815,"end":1878.2949,"confidence":0.97796965,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.3225058615207672},{"word":"for","start":1878.2949,"end":1878.615,"confidence":0.9990947,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.3173835575580597},{"word":"insurance","start":1878.615,"end":1879.115,"confidence":0.9992741,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.27324727177619934},{"word":"only","start":1879.255,"end":1879.755,"confidence":0.9871764,"punctuated_word":"only.","sentiment":"neutral","sentiment_score":0.2541102170944214},{"word":"if","start":1879.8949,"end":1880.0549,"confidence":0.9993356,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.25668081641197205},{"word":"that's","start":1880.0549,"end":1880.375,"confidence":0.99992615,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.22803866863250732},{"word":"the","start":1880.375,"end":1880.455,"confidence":0.99915624,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1870950311422348},{"word":"case","start":1880.455,"end":1880.695,"confidence":0.9980617,"punctuated_word":"case,","sentiment":"neutral","sentiment_score":0.2513960003852844},{"word":"there's","start":1880.695,"end":1880.9349,"confidence":0.9991826,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.2783878445625305},{"word":"no","start":1880.9349,"end":1881.095,"confidence":0.9991196,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.25281456112861633},{"word":"ongoing","start":1881.095,"end":1881.595,"confidence":0.99959356,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.15165242552757263},{"word":"fees","start":1881.6549,"end":1881.975,"confidence":0.95607644,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.16951248049736023},{"word":"for","start":1881.975,"end":1882.1349,"confidence":0.9968972,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2577846050262451},{"word":"us","start":1882.1349,"end":1882.375,"confidence":0.9996245,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.2321663796901703},{"word":"doing","start":1882.375,"end":1882.695,"confidence":0.9996106,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.29499486088752747},{"word":"that","start":1882.695,"end":1882.9349,"confidence":0.99664336,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.28703776001930237},{"word":"we","start":1882.9349,"end":1883.1749,"confidence":0.9999002,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.20860108733177185},{"word":"receive","start":1883.1749,"end":1883.575,"confidence":0.9690702,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.24894973635673523},{"word":"remuneration","start":1883.575,"end":1884.075,"confidence":0.997042,"punctuated_word":"remuneration","sentiment":"neutral","sentiment_score":0.24634413421154025},{"word":"from","start":1884.375,"end":1884.695,"confidence":0.9992174,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.2359520047903061},{"word":"insurances","start":1884.695,"end":1885.195,"confidence":0.99902254,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.25285306572914124},{"word":"for","start":1885.44,"end":1885.6,"confidence":0.99106276,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.23322616517543793},{"word":"from","start":1885.84,"end":1886.0,"confidence":0.98924315,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.23108384013175964},{"word":"insurance","start":1886.0,"end":1886.48,"confidence":0.9993241,"punctuated_word":"insurance","sentiment":"neutral","sentiment_score":0.23954522609710693},{"word":"companies","start":1886.48,"end":1886.7999,"confidence":0.9966989,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":0.24302813410758972},{"word":"for","start":1886.7999,"end":1886.96,"confidence":0.9830509,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.28873559832572937},{"word":"the","start":1886.96,"end":1887.12,"confidence":0.9989109,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2730657458305359},{"word":"insurances","start":1887.12,"end":1887.6,"confidence":0.9997569,"punctuated_word":"insurances","sentiment":"neutral","sentiment_score":0.28029900789260864},{"word":"that","start":1887.6,"end":1887.7599,"confidence":0.9996966,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2923208773136139},{"word":"we","start":1887.7599,"end":1888.0,"confidence":0.9998217,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22193776071071625},{"word":"set","start":1888.0,"end":1888.1599,"confidence":0.92984617,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.2805730104446411},{"word":"up","start":1888.1599,"end":1888.6599,"confidence":0.79935217,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.2569231390953064},{"word":"and","start":1888.8799,"end":1889.0399,"confidence":0.99899524,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.23370257019996643},{"word":"we","start":1889.0399,"end":1889.12,"confidence":0.9996306,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.22075486183166504},{"word":"can","start":1889.12,"end":1889.2799,"confidence":0.99990964,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20303846895694733},{"word":"have","start":1889.2799,"end":1889.44,"confidence":0.9998443,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.282809853553772},{"word":"it","start":1889.44,"end":1889.6,"confidence":0.99660945,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.31955134868621826},{"word":"set","start":1889.6,"end":1889.84,"confidence":0.9953128,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.28992322087287903},{"word":"up","start":1889.84,"end":1889.9199,"confidence":0.9972863,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.24166414141654968},{"word":"to","start":1889.9199,"end":1890.08,"confidence":0.94719744,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22036094963550568},{"word":"be","start":1890.08,"end":1890.1599,"confidence":0.99231976,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.22805730998516083},{"word":"paid","start":1890.1599,"end":1890.3999,"confidence":0.9995086,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.20966282486915588},{"word":"out","start":1890.3999,"end":1890.5599,"confidence":0.9993462,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.2150538265705109},{"word":"of","start":1890.5599,"end":1890.6399,"confidence":0.9950275,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.185836523771286},{"word":"pocket","start":1890.6399,"end":1891.0399,"confidence":0.9976133,"punctuated_word":"pocket","sentiment":"neutral","sentiment_score":0.1765764206647873},{"word":"or","start":1891.0399,"end":1891.12,"confidence":0.9702257,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.14874732494354248},{"word":"out","start":1891.12,"end":1891.2799,"confidence":0.95738846,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.24128255248069763},{"word":"of","start":1891.2799,"end":1891.36,"confidence":0.98970383,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2122352421283722},{"word":"super","start":1891.36,"end":1891.7599,"confidence":0.57684,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.3411230146884918},{"word":"depending","start":1891.7599,"end":1892.08,"confidence":0.9088554,"punctuated_word":"depending","sentiment":"neutral","sentiment_score":0.26851966977119446},{"word":"on","start":1892.08,"end":1892.24,"confidence":0.99903786,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.26209744811058044},{"word":"what","start":1892.24,"end":1892.48,"confidence":0.999283,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2739284038543701},{"word":"she","start":1892.48,"end":1892.6399,"confidence":0.9995505,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.22002215683460236},{"word":"sort","start":1892.6399,"end":1892.8799,"confidence":0.99029326,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.17467035353183746},{"word":"of","start":1892.8799,"end":1892.96,"confidence":0.99897015,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16785329580307007},{"word":"wants","start":1892.96,"end":1893.2799,"confidence":0.9143763,"punctuated_word":"wants,","sentiment":"neutral","sentiment_score":0.17064407467842102},{"word":"what","start":1893.2799,"end":1893.44,"confidence":0.99020386,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2438375353813171},{"word":"her","start":1893.44,"end":1893.6799,"confidence":0.9950199,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.13482780754566193},{"word":"structure","start":1893.6799,"end":1894.08,"confidence":0.98462975,"punctuated_word":"structure,","sentiment":"neutral","sentiment_score":0.17297594249248505},{"word":"and","start":1894.08,"end":1894.24,"confidence":0.9997999,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.21279597282409668},{"word":"what","start":1894.24,"end":1894.3999,"confidence":0.99984896,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.21961794793605804},{"word":"your","start":1894.3999,"end":1894.6399,"confidence":0.9983728,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.22446973621845245},{"word":"life","start":1894.6399,"end":1894.96,"confidence":0.9967572,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.19678179919719696},{"word":"allows","start":1894.96,"end":1895.44,"confidence":0.9998591,"punctuated_word":"allows","sentiment":"neutral","sentiment_score":0.1648550182580948},{"word":"for","start":1895.44,"end":1895.6,"confidence":0.9990938,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1553879976272583},{"word":"at","start":1895.6,"end":1895.7599,"confidence":0.9968736,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15173427760601044},{"word":"the","start":1895.7599,"end":1895.9199,"confidence":0.9991171,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16423168778419495},{"word":"same","start":1895.9199,"end":1896.1599,"confidence":0.99974316,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.1970660388469696},{"word":"time","start":1896.1599,"end":1896.5599,"confidence":0.98745334,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.18470558524131775},{"word":"so","start":1896.5599,"end":1896.7999,"confidence":0.9981217,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13305336236953735},{"word":"but","start":1897.0399,"end":1897.2,"confidence":0.99486345,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1338523030281067},{"word":"that's","start":1897.2,"end":1897.44,"confidence":0.99899185,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.26196396350860596},{"word":"absolutely","start":1897.44,"end":1897.94,"confidence":0.98557985,"punctuated_word":"absolutely","sentiment":"neutral","sentiment_score":0.2317054122686386},{"word":"possible","start":1898.3999,"end":1898.8999,"confidence":0.99199504,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.28538960218429565},{"word":"yeah","start":1899.575,"end":1900.075,"confidence":0.99901724,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0766398161649704},{"word":"yep","start":1902.375,"end":1902.875,"confidence":0.8401724,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0677632987499237},{"word":"yeah","start":1905.095,"end":1905.415,"confidence":0.8060975,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1849021464586258},{"word":"absolutely","start":1905.415,"end":1905.915,"confidence":0.99708307,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.334516316652298},{"word":"we","start":1906.295,"end":1906.535,"confidence":0.9994887,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.223714217543602},{"word":"can","start":1906.535,"end":1906.695,"confidence":0.9999211,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3034960627555847},{"word":"sort","start":1906.695,"end":1906.855,"confidence":0.981189,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.26524829864501953},{"word":"of","start":1906.855,"end":1906.935,"confidence":0.9247964,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2992439568042755},{"word":"make","start":1906.935,"end":1907.175,"confidence":0.9984665,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.29118606448173523},{"word":"it","start":1907.175,"end":1907.255,"confidence":0.9988967,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.26077622175216675},{"word":"up","start":1907.255,"end":1907.415,"confidence":0.9025644,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.22540344297885895},{"word":"even","start":1907.415,"end":1907.575,"confidence":0.80336654,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.20102418959140775},{"word":"if","start":1907.575,"end":1907.735,"confidence":0.9967378,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.223824143409729},{"word":"she","start":1907.735,"end":1907.895,"confidence":0.99974805,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.17429469525814056},{"word":"wants","start":1907.895,"end":1908.135,"confidence":0.99965894,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.14340254664421082},{"word":"to","start":1908.135,"end":1908.215,"confidence":0.9994456,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1667807400226593},{"word":"have","start":1908.215,"end":1908.375,"confidence":0.9996908,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17365454137325287},{"word":"a","start":1908.375,"end":1908.455,"confidence":0.9904578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.18526560068130493},{"word":"chat","start":1908.455,"end":1908.615,"confidence":0.9995683,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.25092512369155884},{"word":"to","start":1908.615,"end":1908.775,"confidence":0.9871438,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20998676121234897},{"word":"us","start":1908.775,"end":1908.935,"confidence":0.9897188,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.18612517416477203},{"word":"first","start":1908.935,"end":1909.415,"confidence":0.7966983,"punctuated_word":"first,","sentiment":"neutral","sentiment_score":0.22325846552848816},{"word":"myself","start":1909.415,"end":1909.735,"confidence":0.79467016,"punctuated_word":"myself","sentiment":"neutral","sentiment_score":0.27598267793655396},{"word":"or","start":1909.735,"end":1909.895,"confidence":0.63433295,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.20124578475952148},{"word":"maddie","start":1909.895,"end":1910.215,"confidence":0.8086983,"punctuated_word":"Maddie","sentiment":"neutral","sentiment_score":0.1852644383907318},{"word":"look","start":1910.215,"end":1910.375,"confidence":0.46309426,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.23397307097911835},{"word":"at","start":1910.375,"end":1910.535,"confidence":0.99343175,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2095615714788437},{"word":"what","start":1910.535,"end":1910.695,"confidence":0.99953485,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2042475938796997},{"word":"we","start":1910.695,"end":1910.855,"confidence":0.9998011,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.1946354508399963},{"word":"do","start":1910.855,"end":1911.095,"confidence":0.9978975,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.24992115795612335},{"word":"how","start":1911.095,"end":1911.255,"confidence":0.99982435,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.2448314279317856},{"word":"it","start":1911.255,"end":1911.415,"confidence":0.9973935,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.27483251690864563},{"word":"works","start":1911.415,"end":1911.655,"confidence":0.9982399,"punctuated_word":"works,","sentiment":"neutral","sentiment_score":0.31070613861083984},{"word":"what","start":1911.655,"end":1911.895,"confidence":0.99957293,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.3158896565437317},{"word":"we","start":1911.895,"end":1911.975,"confidence":0.99962854,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.27284491062164307},{"word":"can","start":1911.975,"end":1912.215,"confidence":0.9996872,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.30283915996551514},{"word":"sort","start":1912.215,"end":1912.455,"confidence":0.9892699,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.3495895564556122},{"word":"of","start":1912.455,"end":1912.615,"confidence":0.99903214,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3323865532875061},{"word":"help","start":1912.615,"end":1912.855,"confidence":0.99915147,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.32935333251953125},{"word":"her","start":1912.855,"end":1913.015,"confidence":0.9928717,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.3000565767288208},{"word":"with","start":1913.015,"end":1913.515,"confidence":0.9887316,"punctuated_word":"with.","sentiment":"neutral","sentiment_score":0.2833544611930847},{"word":"we","start":1913.84,"end":1914.0,"confidence":0.998713,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.16938211023807526},{"word":"can","start":1914.0,"end":1914.24,"confidence":0.9998907,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.2022656500339508},{"word":"work","start":1914.24,"end":1914.56,"confidence":0.99591076,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.2308877855539322},{"word":"to","start":1914.56,"end":1914.8,"confidence":0.93083394,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.17823222279548645},{"word":"you","start":1914.8,"end":1914.96,"confidence":0.9998958,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13333481550216675},{"word":"know","start":1914.96,"end":1915.46,"confidence":0.9792118,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.1549527943134308},{"word":"work","start":1915.68,"end":1915.92,"confidence":0.9989477,"punctuated_word":"work","sentiment":"neutral","sentiment_score":0.1388218104839325},{"word":"as","start":1915.92,"end":1916.08,"confidence":0.9646063,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17159612476825714},{"word":"slow","start":1916.08,"end":1916.4,"confidence":0.99167657,"punctuated_word":"slow","sentiment":"neutral","sentiment_score":0.15756602585315704},{"word":"or","start":1916.4,"end":1916.56,"confidence":0.9928229,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.12354862689971924},{"word":"as","start":1916.56,"end":1916.72,"confidence":0.9929032,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13095274567604065},{"word":"fast","start":1916.72,"end":1916.96,"confidence":0.9902463,"punctuated_word":"fast","sentiment":"neutral","sentiment_score":0.11661987006664276},{"word":"as","start":1916.96,"end":1917.12,"confidence":0.995961,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.17622055113315582},{"word":"she","start":1917.12,"end":1917.36,"confidence":0.99918336,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.17685319483280182},{"word":"sort","start":1917.36,"end":1917.52,"confidence":0.9872645,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10634879767894743},{"word":"of","start":1917.52,"end":1917.68,"confidence":0.999433,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1486140340566635},{"word":"needs","start":1917.68,"end":1917.92,"confidence":0.9940176,"punctuated_word":"needs","sentiment":"neutral","sentiment_score":0.1333727389574051},{"word":"us","start":1917.92,"end":1918.08,"confidence":0.99866116,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.13196046650409698},{"word":"to","start":1918.08,"end":1918.58,"confidence":0.9421438,"punctuated_word":"to.","sentiment":"neutral","sentiment_score":0.16596220433712006},{"word":"but","start":1918.88,"end":1919.12,"confidence":0.91321933,"punctuated_word":"But,","sentiment":"neutral","sentiment_score":0.172858327627182},{"word":"yeah","start":1919.12,"end":1919.36,"confidence":0.9964851,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.20910018682479856},{"word":"have","start":1919.36,"end":1919.52,"confidence":0.9847103,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.25642719864845276},{"word":"a","start":1919.52,"end":1919.6,"confidence":0.9854074,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2731209099292755},{"word":"chat","start":1919.6,"end":1919.72,"confidence":0.99171877,"punctuated_word":"chat","sentiment":"positive","sentiment_score":0.38948720693588257},{"word":"to","start":1919.72,"end":1919.84,"confidence":0.7295544,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32255053520202637},{"word":"her","start":1919.84,"end":1920.0,"confidence":0.94456905,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.260387659072876},{"word":"and","start":1920.0,"end":1920.08,"confidence":0.97705585,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2166147977113724},{"word":"see","start":1920.08,"end":1920.24,"confidence":0.9956862,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.21500808000564575},{"word":"if","start":1920.24,"end":1920.3201,"confidence":0.9935028,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.21929894387722015},{"word":"she","start":1920.3201,"end":1920.48,"confidence":0.9996463,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.19664928317070007},{"word":"wants","start":1920.48,"end":1920.8,"confidence":0.9990833,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.16307006776332855},{"word":"to","start":1920.8,"end":1920.96,"confidence":0.9956013,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1988892108201981},{"word":"look","start":1920.96,"end":1921.2,"confidence":0.9990188,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.19997386634349823},{"word":"at","start":1921.2,"end":1921.36,"confidence":0.99730885,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.21027016639709473},{"word":"doing","start":1921.36,"end":1921.6,"confidence":0.9998983,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.2174440771341324},{"word":"that","start":1921.6,"end":1921.76,"confidence":0.9780583,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.2830284833908081},{"word":"i'm","start":1921.76,"end":1921.92,"confidence":0.999058,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.6202167868614197},{"word":"more","start":1921.92,"end":1922.08,"confidence":0.9997011,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.7137373685836792},{"word":"than","start":1922.08,"end":1922.3201,"confidence":0.9984074,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.723660409450531},{"word":"happy","start":1922.3201,"end":1922.64,"confidence":0.99419564,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.6956180334091187},{"word":"to","start":1922.64,"end":1922.8,"confidence":0.9986314,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6748653054237366},{"word":"assist","start":1922.8,"end":1923.12,"confidence":0.99868983,"punctuated_word":"assist","sentiment":"positive","sentiment_score":0.6098612546920776},{"word":"and","start":1923.12,"end":1923.36,"confidence":0.96559197,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.6080594062805176},{"word":"help","start":1923.36,"end":1923.6,"confidence":0.999548,"punctuated_word":"help","sentiment":"positive","sentiment_score":0.5813601613044739},{"word":"out","start":1923.6,"end":1923.68,"confidence":0.96515054,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.6782371997833252},{"word":"in","start":1923.68,"end":1923.84,"confidence":0.99574786,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.6388794183731079},{"word":"that","start":1923.84,"end":1924.08,"confidence":0.999286,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5936995148658752},{"word":"area","start":1924.08,"end":1924.56,"confidence":0.9819566,"punctuated_word":"area.","sentiment":"positive","sentiment_score":0.3793269395828247},{"word":"so","start":1924.56,"end":1924.8,"confidence":0.7831707,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.2883782386779785},{"word":"yeah","start":1924.8,"end":1925.2,"confidence":0.99327934,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.3108481764793396},{"word":"not","start":1925.2,"end":1925.4401,"confidence":0.9891214,"punctuated_word":"not","sentiment":"positive","sentiment_score":0.4086131453514099},{"word":"a","start":1925.4401,"end":1925.52,"confidence":0.99179006,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35634565353393555},{"word":"problem","start":1925.52,"end":1925.84,"confidence":0.9986166,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.3869878053665161},{"word":"at","start":1925.84,"end":1926.0,"confidence":0.9976324,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.37719571590423584},{"word":"all","start":1926.0,"end":1926.405,"confidence":0.99628127,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.4864932894706726},{"word":"easy","start":1928.3251,"end":1928.8251,"confidence":0.63749146,"punctuated_word":"Easy.","sentiment":"positive","sentiment_score":0.6845578551292419},{"word":"beautiful","start":1928.885,"end":1929.385,"confidence":0.99975353,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.782749354839325},{"word":"that's","start":1930.245,"end":1930.645,"confidence":0.81701064,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.6385976672172546},{"word":"everything","start":1930.645,"end":1931.145,"confidence":0.99856037,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.7008979320526123},{"word":"i","start":1931.2051,"end":1931.365,"confidence":0.9989818,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.569275975227356},{"word":"needed","start":1931.365,"end":1931.685,"confidence":0.9997471,"punctuated_word":"needed","sentiment":"positive","sentiment_score":0.6348385214805603},{"word":"to","start":1931.685,"end":1931.845,"confidence":0.99764436,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.533064067363739},{"word":"touch","start":1931.845,"end":1932.0851,"confidence":0.99978584,"punctuated_word":"touch","sentiment":"positive","sentiment_score":0.565850555896759},{"word":"base","start":1932.0851,"end":1932.3251,"confidence":0.99709713,"punctuated_word":"base","sentiment":"positive","sentiment_score":0.4563212990760803},{"word":"on","start":1932.3251,"end":1932.485,"confidence":0.9272871,"punctuated_word":"on.","sentiment":"positive","sentiment_score":0.5063374042510986},{"word":"i","start":1932.485,"end":1932.645,"confidence":0.99651647,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07940961420536041},{"word":"don't","start":1932.645,"end":1932.805,"confidence":0.9997547,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.06986260414123535},{"word":"wanna","start":1932.805,"end":1933.045,"confidence":0.9273444,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.1741398423910141},{"word":"sort","start":1933.045,"end":1933.2051,"confidence":0.6966471,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.16275864839553833},{"word":"of","start":1933.2051,"end":1933.285,"confidence":0.49596927,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2135348320007324},{"word":"take","start":1933.285,"end":1933.4451,"confidence":0.99843055,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.2464522570371628},{"word":"up","start":1933.4451,"end":1933.605,"confidence":0.95276695,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.2691758871078491},{"word":"too","start":1933.605,"end":1933.765,"confidence":0.9991411,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.14609602093696594},{"word":"much","start":1933.765,"end":1933.925,"confidence":0.99987316,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.02002148330211639},{"word":"of","start":1933.925,"end":1934.005,"confidence":0.9988802,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06415465474128723},{"word":"your","start":1934.005,"end":1934.245,"confidence":0.9987099,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.01849040389060974},{"word":"time","start":1934.245,"end":1934.405,"confidence":0.99988925,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.020525306463241577},{"word":"because","start":1934.405,"end":1934.5651,"confidence":0.8298905,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0305776447057724},{"word":"you've","start":1934.5651,"end":1934.725,"confidence":0.9807631,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.2960548400878906},{"word":"got","start":1934.725,"end":1934.885,"confidence":0.9998779,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2532954514026642},{"word":"your","start":1934.885,"end":1935.045,"confidence":0.9977138,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3571382761001587},{"word":"beautiful","start":1935.045,"end":1935.4451,"confidence":0.99973315,"punctuated_word":"beautiful","sentiment":"positive","sentiment_score":0.4421110451221466},{"word":"son","start":1935.4451,"end":1935.685,"confidence":0.9715034,"punctuated_word":"son","sentiment":"positive","sentiment_score":0.3674582540988922},{"word":"there","start":1935.685,"end":1935.845,"confidence":0.792913,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.3225098252296448},{"word":"and","start":1935.845,"end":1935.925,"confidence":0.9987073,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3078162372112274},{"word":"you're","start":1935.925,"end":1936.165,"confidence":0.9968469,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2964116036891937},{"word":"in","start":1936.165,"end":1936.245,"confidence":0.99587566,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2651994824409485},{"word":"your","start":1936.245,"end":1936.745,"confidence":0.9537206,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.2706003785133362},{"word":"bubble","start":1936.885,"end":1937.285,"confidence":0.9931385,"punctuated_word":"bubble","sentiment":"positive","sentiment_score":0.3610066771507263},{"word":"of","start":1937.285,"end":1937.525,"confidence":0.9938835,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2503315806388855},{"word":"newborn","start":1937.525,"end":1938.025,"confidence":0.989342,"punctuated_word":"newborn.","sentiment":"neutral","sentiment_score":0.07694554328918457},{"word":"did","start":1939.3,"end":1939.54,"confidence":0.9908313,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":0.061645470559597015},{"word":"you","start":1939.54,"end":1939.7001,"confidence":0.9997627,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05813957378268242},{"word":"wanna","start":1939.7001,"end":1940.02,"confidence":0.98846966,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.08172991871833801},{"word":"just","start":1940.02,"end":1940.26,"confidence":0.9988925,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06630323827266693},{"word":"take","start":1940.26,"end":1940.5,"confidence":0.9996848,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.10474519431591034},{"word":"some","start":1940.5,"end":1940.66,"confidence":0.9992781,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.08270196616649628},{"word":"time","start":1940.66,"end":1940.9,"confidence":0.9997737,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.17039576172828674},{"word":"to","start":1940.9,"end":1940.9801,"confidence":0.99978,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15188607573509216},{"word":"have","start":1940.9801,"end":1941.14,"confidence":0.99960667,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.1377703845500946},{"word":"her","start":1941.14,"end":1941.38,"confidence":0.85577893,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.06501203775405884},{"word":"read","start":1941.38,"end":1941.62,"confidence":0.99251163,"punctuated_word":"read","sentiment":"neutral","sentiment_score":0.11887529492378236},{"word":"through","start":1941.62,"end":1941.78,"confidence":0.9432699,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09607993066310884},{"word":"that","start":1941.78,"end":1942.02,"confidence":0.9978479,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15028196573257446},{"word":"document","start":1942.02,"end":1942.5,"confidence":0.9837873,"punctuated_word":"document?","sentiment":"neutral","sentiment_score":-0.028031853958964348},{"word":"like","start":1942.5,"end":1942.66,"confidence":0.88364494,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.10516902059316637},{"word":"come","start":1942.66,"end":1942.8201,"confidence":0.9992944,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.2578493058681488},{"word":"back","start":1942.8201,"end":1942.9801,"confidence":0.99975604,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.3308451473712921},{"word":"and","start":1942.9801,"end":1943.06,"confidence":0.88354933,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2567787170410156},{"word":"let","start":1943.06,"end":1943.2201,"confidence":0.9998995,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2728520631790161},{"word":"me","start":1943.2201,"end":1943.38,"confidence":0.9993272,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.316995233297348},{"word":"know","start":1943.38,"end":1943.54,"confidence":0.99957234,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.3106897473335266},{"word":"if","start":1943.54,"end":1943.62,"confidence":0.99926776,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2689264714717865},{"word":"you","start":1943.62,"end":1943.7001,"confidence":0.9992186,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.33154216408729553},{"word":"have","start":1943.7001,"end":1943.86,"confidence":0.99944645,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2571234405040741},{"word":"any","start":1943.86,"end":1944.1001,"confidence":0.9988682,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2055739164352417},{"word":"questions","start":1944.1001,"end":1944.42,"confidence":0.97466946,"punctuated_word":"questions,","sentiment":"neutral","sentiment_score":0.18889150023460388},{"word":"and","start":1944.42,"end":1944.5801,"confidence":0.9997727,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1847080439329147},{"word":"i'll","start":1944.5801,"end":1944.74,"confidence":0.99991655,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.2438151240348816},{"word":"shoot","start":1944.74,"end":1944.9801,"confidence":0.990969,"punctuated_word":"shoot","sentiment":"neutral","sentiment_score":0.2364252507686615},{"word":"you","start":1944.9801,"end":1945.14,"confidence":0.999706,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.27886176109313965},{"word":"an","start":1945.14,"end":1945.3,"confidence":0.9991628,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.2190183401107788},{"word":"email","start":1945.3,"end":1945.62,"confidence":0.9998197,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.2191884070634842},{"word":"now","start":1945.62,"end":1945.86,"confidence":0.99646026,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.2189791202545166},{"word":"as","start":1945.86,"end":1946.02,"confidence":0.9989157,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.22109678387641907},{"word":"well","start":1946.02,"end":1946.26,"confidence":0.9998281,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.20222923159599304},{"word":"so","start":1946.26,"end":1946.3401,"confidence":0.6675584,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.23097407817840576},{"word":"you've","start":1946.3401,"end":1946.5801,"confidence":0.9976596,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.22084036469459536},{"word":"got","start":1946.5801,"end":1946.8201,"confidence":0.9999008,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2971927523612976},{"word":"my","start":1946.8201,"end":1946.9801,"confidence":0.99913484,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.25850099325180054},{"word":"email","start":1946.9801,"end":1947.3,"confidence":0.99990535,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.2075042575597763},{"word":"in","start":1947.3,"end":1947.38,"confidence":0.90507185,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2586809992790222},{"word":"your","start":1947.38,"end":1947.7001,"confidence":0.99978393,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.26383012533187866},{"word":"inbox","start":1947.7001,"end":1948.2001,"confidence":0.9986104,"punctuated_word":"inbox.","sentiment":"neutral","sentiment_score":0.17011582851409912},{"word":"okay","start":1948.5801,"end":1949.0801,"confidence":0.9988949,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.11627758294343948},{"word":"beautiful","start":1950.9951,"end":1951.4751,"confidence":0.6857248,"punctuated_word":"Beautiful.","sentiment":"positive","sentiment_score":0.6742807626724243},{"word":"thank","start":1951.4751,"end":1951.7151,"confidence":0.95027924,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.762895941734314},{"word":"you","start":1951.7151,"end":1951.9551,"confidence":0.99948007,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8058944940567017},{"word":"so","start":1951.9551,"end":1952.1151,"confidence":0.9993018,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7822757363319397},{"word":"much","start":1952.1151,"end":1952.3551,"confidence":0.9999211,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8271297216415405},{"word":"for","start":1952.3551,"end":1952.515,"confidence":0.998587,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.78225177526474},{"word":"your","start":1952.515,"end":1952.675,"confidence":0.9964271,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.7745099663734436},{"word":"time","start":1952.675,"end":1952.915,"confidence":0.9994352,"punctuated_word":"time,","sentiment":"positive","sentiment_score":0.7266252040863037},{"word":"tyler","start":1952.915,"end":1953.395,"confidence":0.99321604,"punctuated_word":"Tyler.","sentiment":"positive","sentiment_score":0.4884856343269348},{"word":"i'm","start":1953.395,"end":1953.795,"confidence":0.99947214,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.7613227367401123},{"word":"so","start":1953.795,"end":1954.1951,"confidence":0.9979335,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.7296597361564636},{"word":"excited","start":1954.1951,"end":1954.6951,"confidence":0.9997738,"punctuated_word":"excited","sentiment":"positive","sentiment_score":0.8816400766372681},{"word":"for","start":1954.755,"end":1954.915,"confidence":0.9990507,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.848191499710083},{"word":"you","start":1954.915,"end":1955.0751,"confidence":0.99923503,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8120145797729492},{"word":"guys","start":1955.0751,"end":1955.5751,"confidence":0.97961926,"punctuated_word":"guys.","sentiment":"positive","sentiment_score":0.7507839202880859},{"word":"alright","start":1958.3551,"end":1958.8551,"confidence":0.8666038,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.3610230684280395},{"word":"anytime","start":1959.2351,"end":1959.7351,"confidence":0.9430533,"punctuated_word":"Anytime.","sentiment":"neutral","sentiment_score":0.3313646912574768},{"word":"i'll","start":1959.875,"end":1960.1151,"confidence":0.99920624,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.4269570708274842},{"word":"let","start":1960.1151,"end":1960.275,"confidence":0.9999051,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.5381454825401306},{"word":"you","start":1960.275,"end":1960.435,"confidence":0.99986446,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5352506637573242},{"word":"go","start":1960.435,"end":1960.5951,"confidence":0.9994768,"punctuated_word":"go.","sentiment":"positive","sentiment_score":0.586005687713623},{"word":"you","start":1960.5951,"end":1960.8351,"confidence":0.9995901,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.7345139980316162},{"word":"have","start":1960.8351,"end":1960.9951,"confidence":0.9998667,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.7655431628227234},{"word":"an","start":1960.9951,"end":1961.2351,"confidence":0.9937004,"punctuated_word":"an","sentiment":"positive","sentiment_score":0.7604039311408997},{"word":"amazing","start":1961.2351,"end":1961.635,"confidence":0.9999088,"punctuated_word":"amazing","sentiment":"positive","sentiment_score":0.8191769123077393},{"word":"day","start":1961.635,"end":1961.795,"confidence":0.91901535,"punctuated_word":"day,","sentiment":"positive","sentiment_score":0.7291082143783569},{"word":"and","start":1961.795,"end":1961.9551,"confidence":0.9998579,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7215502858161926},{"word":"let","start":1961.9551,"end":1962.1151,"confidence":0.9999281,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.7599911093711853},{"word":"me","start":1962.1151,"end":1962.275,"confidence":0.9995732,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.7077146172523499},{"word":"know","start":1962.275,"end":1962.3551,"confidence":0.99959606,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.7340741753578186},{"word":"if","start":1962.3551,"end":1962.435,"confidence":0.99904317,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.6907270550727844},{"word":"there's","start":1962.435,"end":1962.675,"confidence":0.9988663,"punctuated_word":"there's","sentiment":"positive","sentiment_score":0.6188676357269287},{"word":"anything","start":1962.675,"end":1962.915,"confidence":0.9997621,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.6145137548446655},{"word":"you","start":1962.915,"end":1963.0751,"confidence":0.9991972,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5287436246871948},{"word":"need","start":1963.0751,"end":1963.2351,"confidence":0.99985063,"punctuated_word":"need","sentiment":"positive","sentiment_score":0.5088014602661133},{"word":"or","start":1963.2351,"end":1963.395,"confidence":0.98704404,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.5797367691993713},{"word":"any","start":1963.395,"end":1963.555,"confidence":0.9995053,"punctuated_word":"any","sentiment":"positive","sentiment_score":0.4013605117797851},{"word":"questions","start":1963.555,"end":1963.875,"confidence":0.99950325,"punctuated_word":"questions","sentiment":"positive","sentiment_score":0.43890899419784546},{"word":"that","start":1963.875,"end":1964.035,"confidence":0.9996973,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3524585962295532},{"word":"you","start":1964.035,"end":1964.1951,"confidence":0.9997124,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.42643672227859497},{"word":"have","start":1964.1951,"end":1964.3551,"confidence":0.9947836,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.3847689926624298},{"word":"in","start":1964.3551,"end":1964.515,"confidence":0.9925989,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3618299663066864},{"word":"relation","start":1964.515,"end":1964.8351,"confidence":0.58951265,"punctuated_word":"relation","sentiment":"positive","sentiment_score":0.4495851397514343},{"word":"to","start":1964.8351,"end":1964.915,"confidence":0.84434795,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5575677752494812},{"word":"that","start":1964.915,"end":1964.9951,"confidence":0.7843995,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.5757081508636475},{"word":"it","start":1964.9951,"end":1965.0751,"confidence":0.63790464,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.26516634225845337},{"word":"doesn't","start":1965.0751,"end":1965.395,"confidence":0.9996314,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":0.19333676993846893},{"word":"matter","start":1965.395,"end":1965.635,"confidence":0.9994172,"punctuated_word":"matter","sentiment":"neutral","sentiment_score":0.0638614147901535},{"word":"what","start":1965.635,"end":1965.795,"confidence":0.99610585,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.16537757217884064},{"word":"it","start":1965.795,"end":1966.02,"confidence":0.9642309,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1709001362323761},{"word":"might","start":1968.1,"end":1968.6,"confidence":0.9994954,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.2462712526321411},{"word":"be","start":1968.6067,"end":1969.1067,"confidence":0.99952865,"punctuated_word":"be.","sentiment":"positive","sentiment_score":0.37430715560913086},{"word":"okay","start":1969.1133,"end":1969.6133,"confidence":0.9016092,"punctuated_word":"Okay?","sentiment":"positive","sentiment_score":0.3483167290687561},{"word":"wonderful","start":1969.62,"end":1970.12,"confidence":0.9932313,"punctuated_word":"Wonderful.","sentiment":"positive","sentiment_score":0.7857860326766968},{"word":"thank","start":1970.18,"end":1970.34,"confidence":0.9997868,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7555766105651855},{"word":"you","start":1970.34,"end":1970.5,"confidence":0.999881,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8325068950653076},{"word":"so","start":1970.5,"end":1970.66,"confidence":0.9998172,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.8284350037574768},{"word":"much","start":1970.66,"end":1970.9,"confidence":0.9999815,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.8725662231445312},{"word":"for","start":1970.9,"end":1971.06,"confidence":0.9988776,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8430770039558411},{"word":"your","start":1971.06,"end":1971.22,"confidence":0.9989116,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.8532394766807556},{"word":"time","start":1971.22,"end":1971.54,"confidence":0.99990135,"punctuated_word":"time.","sentiment":"positive","sentiment_score":0.8484609723091125},{"word":"have","start":1971.54,"end":1971.7001,"confidence":0.9998965,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.685707688331604},{"word":"a","start":1971.7001,"end":1971.78,"confidence":0.99979645,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7186905145645142},{"word":"good","start":1971.78,"end":1972.02,"confidence":0.99998546,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.666271448135376},{"word":"afternoon","start":1972.02,"end":1972.52,"confidence":0.9998717,"punctuated_word":"afternoon.","sentiment":"positive","sentiment_score":0.6788884401321411},{"word":"see","start":1973.86,"end":1974.1,"confidence":0.819951,"punctuated_word":"See","sentiment":"neutral","sentiment_score":0.22810786962509155},{"word":"you","start":1974.1,"end":1974.18,"confidence":0.9988599,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3642898499965668},{"word":"later","start":1974.18,"end":1974.5801,"confidence":0.9980679,"punctuated_word":"later.","sentiment":"positive","sentiment_score":0.3591277003288269},{"word":"bye","start":1974.5801,"end":1975.0801,"confidence":0.99673235,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":0.18935756385326383}],"paragraphs":{"transcript":"\nHi, Tyler. It's Dana from OQ Financial. How are you today? I'm very well. Thank you.\n\nI had you booked in to run through your updated advice document. Is now a good time for you? Yep. Perfect. How is everything going?\n\nYeah. What's been happening? Congratulations. Oh, a little boy. That is beaut I know you were waiting.\n\nIt was, like, coming, so that's fantastic. I'm so excited. Oh, Yep. Beautiful. Oh, that's amazing.\n\nAnd how's everyone settling into having two kids? Big change. Yeah. No. That's perfect.\n\nI understand that. Yeah. Definitely. But it's still a beautiful time, though, isn't it? Like, you don't get those moments back.\n\nYeah. Oh, fantastic. Tyler, I do wanna send the email through so you've got the advice document in front of you. Do you have access to your emails there at the moment? Yep.\n\nPerfect. I'll just press send on that one for you. Beautiful. So sorry. I'm losing my voice a little bit this morning.\n\nSo if I stop and pause or clear my throat, I do apologize in advance. Yeah. I've just sent that one through. Now moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that through the rest of the call?\n\nYep. Beautiful. And I'll do security day with you as well. Just get you to confirm your full name, your date of birth, and address I should have on file. Perfect.\n\nThank you so much for that. Now the email should come through fairly quickly. I'm just opening it back up on my end. Although technology doesn't always like this, so we'll see how it goes. You're right.\n\nOh, that's okay. If you can't look at it, I can always just run through it for you, and then you're welcome to review it later and let me know if you have any questions because I do want you to make through it as well. What would you like me to sort of do? Did you wanna open it first, or did you want me just to run through it? Yep.\n\nYeah. Perfect. When you got some time later, lay down with Bob, have a bit of a read while you're nursing Bob. Sounds good. Absolutely.\n\nAlthough it's different free time, isn't it? It's like you're sitting around doing nothing, but you're, you know, focused on what you're doing at the time with Bobby. So yeah. Beautiful. Beautiful.\n\nWell, I'll run through this document for you. I'll try to sorta hit the points that I absolutely have to. I'll give you some updates around it, and then you're welcome to read it through. Let me know if you do have any questions in the meantime. I don't work Fridays because it is my day with my son.\n\nHowever, I will be on my emails tomorrow because I have a lot of phonics to write. So if you do happen to have any questions, you are welcome to email me, and I'll email you after the call. That way, you've kinda got my email there. And you're welcome to email me with any questions or else and I can always make time to follow-up as well. Okay?\n\nBeautiful. Easy. Now the advice document has been prepared for yourself, Tyler Fuller, as of the March 18. We did finalize it yesterday for you. Prepared by myself, Dana Taylor.\n\nI'm an authorized representative under Oakview Financial, and my representative license number registered through ASIC is 1304394. The advice has been provided in best interest, making sure we're here to meet your goals. The advice will need to be updated moving forward there as well. And I do know your birthday is tomorrow, so happy birthday for tomorrow. I hope.\n\nThat's okay. I just don't want anyone to ever think that they're not able to contact me on Fridays. I do work Monday to Thursday and work longer hours, so I get Friday with my son. But most Fridays, I'm on my email. You can ask Maddie.\n\nI'm always on my email sort of doing something anyway, but I never want anyone to feel like they can't contact me. But I hope you just enjoy your birthday and hopefully go out for dinner or do something fun. Fantastic. Fantastic. With the scope of the advice, we have scoped in superannuation.\n\nSo when we sort of touched base last time to do your review, there were some underperforming assets. I wanted to have those removed. So I've looked at how to adjust the portfolio to make sure they are removed and keep you on track to meeting your goal. We also looked at the child trauma policy. So Oscar is now two.\n\nI've looked at how to structure a child trauma policy for a 100,000 to make it cost effective for you because I know with your other insurance policy, you have just gone through renewals. So your policy has increased in cost a little bit there as well. You're paying a bit more out of pocket now. Yeah. So those policies are steps.\n\nI'll go through it with you as well, but, essentially, they are steps. They do increase in cost every year, so that's why it's important we do kinda review those with you to make sure the level of cover is what you're after so that you're not paying too much as well because now having two kids expenditure does go up. So out of pocket expenses do need to be considered. Okay? Scraping out of the advice, so we're not looking at any personal investment or cash flow and budgeting at the moment.\n\nOne of your medium term goals is to purchase another property and turn your home into an investment, and you're also looking to do some renovations down the track as well. But if you needed any cash flow and budgeting or other advice, you let me know. You're an ongoing client, so I can certainly help you moving forward with other areas of advice. Okay? Perfect.\n\nNow with the with your assets and liabilities, I have those noted in here for you at the current level that we sort of discussed in the annual review. If you find that there's any discrepancy or you would rather change those asset values, I know the mortgage can fluctuate with, you know, paying it down and interest coming out and things like that. The assets and liabilities don't have an effect on the advice that we're providing. However, if you would like me to update those in the back end, you can let me know. I can make a note of any changes to your assets and liabilities that we do have noted in the advice document there as well.\n\nOkay? Perfect. Now as of the time we provided the advice document, the balance in super was about 82,297 and 27¢, and you do have your one pass policy. So out of super, you are paying for life, TPD, and income protection. You have 1,000,050 of life and TBD, and then an income protection policy providing a monthly, before income tax benefit of 5,544.\n\nYou have a thirty day waiting period and a six year benefit period on that one. And then you've also got your one pass policy, which has just gone through renewal there. The total yearly premium for this is $435.60 out of pocket, and you're actually covered for now a $105,000 of life and trauma cover for yourself. These are paid outside of super. They are all stepped premiums.\n\nSo both your policies inside super and outside super will increase in cost as you get older as the risk of you making a claim increases. However, they are also CPI linked. So it does mean that the sum insured is gonna keep increasing as well because we know the buying capacity is eaten away on a dollar, a $100 this year isn't worth a $100 next year. Insurance policies are linked to CPI. So as much as you're paying a little bit more for the policies, they do increase in value as well.\n\nSo if you were to claim on trauma, you can claim a 105,000 instead of the initial 100,000 that you did have there. But, well, I'll review them with you. If you start getting too expensive, we can look at the amounts, and part of your annual review will also reevaluate the levels of cover, and we can always adjust them to keep them cost effective and make sure it's working to you at the same time. Okay? Perfect.\n\nNow with regard to the recommendations here, and you'll be able to go through these in a a fair bit of detail. I've added lots of advantages, disadvantages, risks involved, and alternatives that I've considered for you. But with regard to the super and the recommendations, now Bannalong was the investment that was underperforming, so we have made a recommendation to remove that completely from your portfolio. Because we are removing Bannalong, it isn't a down point, so we are cementing the loss there. So I'm also recommending that we rebalance your portfolio as well just to make sure that, a, it's working properly, but then you're not overexposing yourself to risk.\n\nSo we're taking advantage of the fact that Bannalong is down. We're seeing a loss by cementing it and removing it from your portfolio. So we can offset any other capital gains that the other investments might have foreseen and try to rebalance at the same time, which is a benefit for you. Okay? So what we're gonna be doing is we're rebalancing the cyber security and the India quality ETF.\n\nYou'll have 7% in there. We're gonna sell about 393 of cyber security, a $118 of India quality ETF just to bring you back to the level you should be in a rebalance set. We'll be buying into a bit of the Global Healthcare, so rebalancing that one for you, buying a bit more of the S and P 500 to rebalance it, buying a bit more of the Raffi Aussie 200 to rebalance that one as well, and then selling all of the Van Alung to get rid of that underperforming investment. We are replacing Van Along with the BetaShares a 200, which you'll see in here. Essentially, it is still giving you exposure to the top 200 companies in Australia.\n\nIt's still giving you the Australian equity exposure. The main sort of difference is the a 200 is more of a passively managed fund, so it tracks the top 200 companies in Australia and the index with regard to that. One of the benefits of having the a two hundred over Bennelong is Bennelong was meant to be more of an actively managed component, but they don't haven't really been very actively managing their portfolio. And as such, they've been underperforming with their investments not working within the fund there. The a two hundred isn't actively managed.\n\nIt's just tracking an index, and as such, the management fees are actually cheaper. It tracks the top 200 companies on the Australian A XF, so it's actually giving you a little bit more Australian exposure. You've got more companies to diversify your portfolio with, and having cheaper management fees provides a benefit to you. With the a 200, similar to the S and P 500, having exposure to these indexes is great because there's a certain criteria that the companies have to meet to be in these indexes, and the beta shares a 200 and the beta sorry. The s iShares S and P 500, they track those indices.\n\nSo if companies within the indices don't meet a criteria to be in the top 200 on the a 200 or in the S and P 500, they're actually removed and replaced with other companies. So you are always tracking the movement of the top 200 with the a 200 and the top 500 with the S and P 500 there. So it provides a benefit. You're not having to try and outperform the market. You're tracking in indices, and the indices is always working, always tracking the top companies.\n\nSo you're not, you know, not following underperforming investments in those sorts of ways, if that makes sense. Okay? Yeah. Perfect. So we'll have the a 200 in there instead of that along, which is great.\n\nWe're still gonna hold the JPMorgan Global Research Enhanced Equity Fund. Again, it's just sort of giving you a bit of exposure to JPMorgan's great for a research house, and that investment is about 15% actively managed. It's about making sure they're sort of looking to track up and coming areas as well as growth and investments that have a great track record. So utilizing them is great. There's only a small portion of your portfolio in there.\n\nIt's still a good investment, has performed really well in your portfolio, so we do wanna keep that in there and just rebalance that a little bit. Physical gold, we are buying a bit more physical gold. You're a bit underweighted at the moment, and physical gold has been fantastic. So we'll buy a bit more of that and keep you waiting correct. We are also getting rid of the bank hybrids.\n\nNow as they kinda went through, the government is phasing those out in the future. So we're taking the advantage to remove those now whilst we are rebalancing and getting rid of Bennelong. The losses Bennelong has seen will help to offset some of the gains. So removing the bank hybrids and then moving the money into the core composite bonds, doing it now as opposed to waiting to when we have to down the track. Because you're younger means that rebalancing obviously the portfolio now, we make those changes, and then you've got a really good time horizon to allow your portfolio to recover and to continue growing out from that, and we'll keep monitoring it for you.\n\nDoes that make sense? Yep. Perfect. I do have the best interest duty in here for you that notes this recommendation is in your best interest. I did look at Hub twenty four as a fund.\n\nI'm retaining that because Hub twenty four is still great. It actually works out less in best interest to move to another super fund when we're only altering some of the investments. So we only realistically have to sell some of the investments and rebalance others. Instead, if we moved you to another fund, we'd be fully selling everything down. The CDT effect would be greater.\n\nAs it is, when I looked at the research, the CDT effect on your super fund is actually zero. So because Van Along is quite heavily down at the moment, by making all these changes to your portfolio, we're actually offsetting all of the capital gains. So your super fund will have no CGT effect, which is a benefit for you as well. Okay. Perfect.\n\nBecause we are remaining in hub twenty four, the administration fees do stay the same. There's no change there, but the underlying investment fee actually reduces. So for the first year after making these changes, the total investment fees drop. So we end up saving you about a $121 for the first year in investment fees. So, again, fees drop, changes to your portfolio.\n\nIt has showed a better a better performance in the past as well. I do know projections are just projections, and they are you know, we're not expecting you to get this return on a regular basis. But by moving into the recommended portfolio, I have to use the three year rolling average because bank hybrids haven't been around for five years to give me a five year rolling average. But the newer portfolio over the past three years has averaged about 16.83%. I know with the volatility and the the changes in the market that we are seeing at the moment, I definitely don't expect you to get 16% from now over the next ten years.\n\nBut if the market performs really well and you can average that kind of return, which is greater than what your current portfolio average has been, we can see a greater future performance, and we can estimate you to be at about $35,000 better off over the next ten years, which would be great if we can do that for you. Okay? Yeah. Beautiful. I'll let you run your eyes over that one.\n\nI don't wanna throw too many numbers at you and make it too confusing. The thing I hate about not having you see the document is I don't wanna sort of talk at you at all. I kinda wanna just make sure I'm giving you what you need, but not throwing too much confusing numbers and whatnot at you. So I'll let you read through that one, and you can let me know if you have any additional questions or concerns or anything in relation to it. Okay?\n\nPerfect. Now with the we are retaining your life, your TPD, your income protection inside Super there at the moment. There's no major changes to that. This, whilst we're not making any changes, has been scoped into a limited scope to the advice. A limited scope simply means that we know we're not making a recommendation on this product.\n\nHowever, there is an effect on any other recommendations that we are making. So because your life, TPD, and income protection are paid out of super, having it scoped into a limited extent just makes sure that you're aware you are paying for those premiums out of super, and so we have to account for that as part of the overall projection and looking at the fees and the effect on your super. So that's why it's limited scope in there, and I've got a little blurb that explains that to you as well. Okay? Perfect.\n\nI with regard to the the child trauma policy, now we are making a recommendation that you do apply for the child trauma policy, applying for a $100,000 of the child trauma with one path. So I had a really good look at all the options out there with regards to the child trauma policy. Most of the insurers weren't willing to offer a stand alone policy, so we're applying for that with OnePath, and it will be linked to your current trauma and life policy, which is great. Your current premium on a monthly basis, this is with the increase as it's just gone through renewal, is $36.30 on a monthly basis. By adding a child trauma policy in there for Oscar, it goes up by $12 on a monthly basis.\n\nSo you end up paying about $48.67 per month for all three policies outside of pocket. Okay? It is. Yep. Yeah.\n\nPerfect. It is a set policy, so it will continue to get more expensive, but we are able to link this to the other policies. So it does make it cheaper to link and add the policy in there for you. The only other provider as an alternative that was willing to offer a standard a stand alone trauma policy for children I was tau, but their policy came out a little bit more expensive. It was a bit over $13 on a monthly basis.\n\nSo in the interest of making sure it's more cost effective, it went with a cheaper policy, which is one pass. Linking it to your current policies means that you keep everything together. And I've even got a copy of the I had a look at the application form. There's only a couple of questions. They do ask a few questions about family history, but they're mainly just asking to make sure that Oscar hasn't had any major traumatic diagnosis since he was born.\n\nAnd there's no real major underwriting to it, which is really important. As an alternative, I did also go and have a look at structuring it, looking at life trauma and child trauma as a combined with other providers, but it honestly does work out cheaper to stay with OnePath. You've got the multi policy discount there. OnePath is still the best provider, and linking it to your currently current policy made it more cost effective for you. So that's the recommendation for that one.\n\nYeah. Yeah. Yep. Yeah. Absolutely.\n\nIt is always better to get the policies earlier than it is later. I mean, he's he's nice and healthy, and you look great, and he should not have anything over the next couple of years. However, if anything did arise making, you know even on child policy, if something did arise down the track, it can make the policies more expensive. You can have exclusions like what you've got at the moment. So doing that now is much better for him.\n\nThe benefits of having a policy is we can link it to your one pass. It is more cost effective for you. But I had a really good look at what one pass offer, and it's actually really cool. So I've got all of that noted here for you, and I've also got the PDF attached in case you like enjoying reading through those. But when it comes to the policy, so one path cover up to 51 different traumatic conditions for child trauma.\n\nIt accounts for blindness. Some of them are benign brain tumors, blindness, plastic anemia, benign spinal tumors. We've got brain damage, burns, severe cancer, cardiomyopathy, deafness. There's a couple I can't pronounce there, and certain head traumas as well that are permanent and irreversible. Kidney failure, loss of speech, permanent paralysis, and loss of a limb, mening meningococcal, meningitis meningitis I'm sorry.\n\nI'm not a doctor. I don't do well with these big words. Terminal illnesses, stroke, and organ transplant. The policy will have a ninety day qualifying period on it. So, essentially, it just means that for the first ninety days, there are limitations on what can be claimed, but after the first ninety days, everything is fine.\n\nIt's just sort of making sure that you're not not trying to claim on anything that you maybe think you might have within the first ninety days. Sort of the same with life insurance. They normally don't cover they normally, for the thirteen first thirteen months, don't cover suicide on life cover. You've gotta kinda have the policy for the first year before they'll cover that. So it does work out the same with the child trauma policy there for you.\n\nBut after the first ninety days, you are fully covered for everything. Some other really good advantages of the policy are that it has the accommodation benefit there as well. So, essentially, if something was to happen to Tyler sorry. If something was to happen to Oscar, I do apologize. And he was bedridden, and, you know, if family members you guys had to travel or be somewhere, they do pay out the accommodation benefit, which is a certain amount that helps to cover and cover the cost of accommodation for a certain period of time.\n\nThey cover if you have to travel for more than a 100 kilometers, so sometimes we might need to travel, you know, out out of state or into other areas to see certain specialists depending on what the diagnosis is. After this after he turns age 21, the policy can be converted to a life with attached trauma policy. There's no additional underwriting for that. And, essentially, Oscar then becomes the policy holder of that policy. And because he's held at the time, it automatically transfers, and he just keeps paying the premium for it, which is kinda cool.\n\nThe other side of the policy, which I think is really awesome, is that if anything was to happen to you, we hope nothing ever does. But because you are the policy owner of these policies, if something happened to you, if you were to pass away, your life cover was fully paid out, the policy then becomes a standalone child trauma policy. So long as he is over 10 years of age and your wife provides consent, he can then continue to hold the policy. If he's 10, it still stays as a a stand alone policy, but it just means that your wife looks after it for him. But it means that if you pass away, if something happens to yourself and the life cover paid out, the policy can remain for him so he does get that benefit long term.\n\nOkay? Yeah. The risks involved with having, obviously, with all insurances, there is the bigger risk that if you have these policies and that you never actually claim on them and we get rid of them at some point or they just get to expiry age, the biggest risk is you could have them never have to claim. That's also the biggest benefit of the policies because as much as having the policies and having the money paid at is a good thing in the event of a claim, it also means that we've lost something. There's some sort of negative, experience.\n\nWe've had some sort of a loss to be able to make that claim. So it is a benefit and a risk of having these sorts of policies. Okay? Beautiful. As I mentioned, I did look at alternative options.\n\nThat, I looked at standalone policies. I also looked at the life trauma and linking child trauma with other options. However, this was the best way to go. It's much easier for yourself and if your policy is already enforced, you don't wanna have to go through underwriting again, and the policy can just be added there. It's nice and cost effective, which is important as well.\n\nOkay. Yeah. Do you have any questions so far? Is there anything you wanted me to touch further on? No.\n\nYeah. Yeah. Yeah. Yep. Absolutely.\n\nAbsolutely. Absolutely. It's a great policy. It's nice and cost effective. And even, like, before your your second son turns two, let's look at it closer too because worst case, we can always update the advice as your policies would have gone through a few renewals.\n\nSo we might have to alter the amounts there, look at what they're costing, and see what your expenditure allows for. So, sorry, we might be able to and need to alter the policies a little bit down the track there. So before he turns to, we can look at it together, update the advice, and really hone in on what we need to do to make it work for you guys. So you're not spending a fortune out of your back pocket because kids are expensive. Let's be honest.\n\nThose are expensive, aren't they? That's insane. Oh, but no. It's honestly all we'll definitely look down the track to help you out with that aspect. I'll let you read through this one, take it all in, and let me know if you do have any questions there.\n\nI've also just backed in the estate planning side of things as well. You do have your beneficiaries on file. You were comfortable with those, but one of the things we'd talk about was not having a will and power of attorney. So having your second child now with your life changing, having your will drawn up is really important. So I've added that in there that we are recommending you do have a will and power of attorney, just making sure everything is in line with your wishes.\n\nI can, if you like, send out. I don't know if anyone sent out to you yet, and I hope someone has. Did you receive the email with the solicitor's information from the annual review? Yep. Perfect.\n\nYep. Perfect. Perfect. Yeah. Just doing those up when you are ready to do so.\n\nJust provide the extra layer of protection for yourself, your family, your kids. And there's so many good things you can do with the will to make sure your family is set up, make sure there's trust structures, and the assets are sold as to your wishes, and guardianship if something happened to yourself and and Rhiannon as well. So it's just yeah. Those sort of things are hard conversations to have, but they are really important at the same time. So yeah.\n\nAll good. So I've got those in there for you. Now the advice, as I mentioned, there's no cost to the advice, no implementation cost at all. We do receive remuneration from the insurance companies for the insurances we do recommend. So I do have in here on page 37 for you the updated remuneration because adding the child trauma policy means that we will do receive 66% of the first year's premium.\n\nBased on the total cost over the year, it's expected to be about $98. The advice I'm providing is in your best interest to meet your goals. That's why I haven't gone with the highest cost one pass highest cost trauma policy. We wanna make sure it's cost effective for you. It's working for you.\n\nAnd the remuneration is just another aspect we like to disclose. It has no effect on my recommendations in any way, shape, or form. And then the ongoing remuneration for all policies is 22%. They're ongoing. We have added on the remuneration ongoing side.\n\nIt's a combination of all your one part policies together. So it is expected to be $7.97 for the year based on 22% of your total premium cost and not on just the cost of the child trauma, just to hear what excellent. There's no setup or implementation fees and charge for us for the services. You're an ongoing service client. You're paying ongoing service fee of 1.65% per annum.\n\nSo we obviously wanna make sure that this is looking after you. I actually think this is you're on 1.1. So sorry. There is a typo there. This document automates the 1.65%, but you're on 1.1% because you're Maddie's brother.\n\nSo it's not an issue. It's over disclosed in the advice document, which is fine as long as your ongoing service agreement is correct, and that is correct because I just checked it then. So I just wanted to make sure you're aware that's what it says. It's just the standard with most of our clients that you're obviously on a discounted rate for that one. If you want, I'm happy to go and update that for you to reflect before you read it.\n\nDo you want me to change that ongoing service percentage for you? It's not? You sure? Okay. Beautiful.\n\nLook. Gotta look after you, honestly. She sits behind me and can hear all my conversations, so she'll tell me if I stuff up something. No. All good.\n\nBut I will let you go and have a bit of a read through that, take it in. If there's anything that you had questions on wanting me to update or clarify, please let me know. Wanna make sure that, obviously, you're looked after, that we're providing the value of our services, and that we're here to help you and to meet all of your goals. So, yeah, that's basically the advice. Perfect.\n\nPerfect. If you decide to take on all of that, how implementation should go is you sign the document, you send it back to us. We'll start by the investment switch, and then we'll book you in with our admin team start to go through the application for the child trauma policy, have it submitted off, and organized for that to be linked to the other policies to make it nice and easy. Okay. Very easy implementation.\n\nYeah. Of course. Yeah. Mhmm. Yep.\n\nYou you absolutely can. There's nothing wrong with you holding a policy for her. However, it is probably that it's for her to hold her own policy. She's not working at the moment, is she? No.\n\nThat's okay. So we can just provide it I know because she might have super somewhere else, but when she's not working, it's sort of not really worth looking at a super. But we can do advice for insurance only. So if she does wanna look at, like, a life policy or something like that while she's not working, it's hard to kind of look at income protection or TBD, but we can look at life and trauma policies for her. We can also look at maybe home duties TBD, which essentially means that if she's not able to do her home duties due to something, that the money can be used to have cleaners and childcare and things like that set up.\n\nAnd you can get home duties, occupation, TBD. So we can absolutely look at those sorts of options for her if she would like to. I'm happy to help her out and have that conversation initially, talk about what we do and how it works, and provide advice for insurance only. If that's the case, there's no ongoing fees for us doing that. We receive remuneration from insurances for from insurance companies for the insurances that we set up, and we can have it set up to be paid out of pocket or out of super depending on what she sort of wants, what her structure, and what your life allows for at the same time.\n\nSo but that's absolutely possible. Yeah. Yep. Yeah. Absolutely.\n\nWe can sort of make it up even if she wants to have a chat to us first, myself or Maddie look at what we do, how it works, what we can sort of help her with. We can work to, you know, work as slow or as fast as she sort of needs us to. But, yeah, have a chat to her and see if she wants to look at doing that. I'm more than happy to assist and help out in that area. So, yeah, not a problem at all.\n\nEasy. Beautiful. That's everything I needed to touch base on. I don't wanna sort of take up too much of your time because you've got your beautiful son there, and you're in your bubble of newborn. Did you wanna just take some time to have her read through that document?\n\nLike, come back and let me know if you have any questions, and I'll shoot you an email now as well so you've got my email in your inbox. Okay. Beautiful. Thank you so much for your time, Tyler. I'm so excited for you guys.\n\nAlright. Anytime. I'll let you go. You have an amazing day, and let me know if there's anything you need or any questions that you have in relation to that. It doesn't matter what it might be.\n\nOkay? Wonderful. Thank you so much for your time. Have a good afternoon. See you later.\n\nBye.","paragraphs":[{"sentences":[{"text":"Hi, Tyler.","start":2.96,"end":3.76,"sentiment":"neutral","sentiment_score":0.12575383484363556},{"text":"It's Dana from OQ Financial.","start":3.76,"end":5.54,"sentiment":"neutral","sentiment_score":0.17378787994384765},{"text":"How are you today?","start":5.68,"end":6.74,"sentiment":"neutral","sentiment_score":0.19685492292046547},{"text":"I'm very well.","start":9.12,"end":10.0,"sentiment":"positive","sentiment_score":0.6208828488985697},{"text":"Thank you.","start":10.0,"end":10.48,"sentiment":"positive","sentiment_score":0.6953208446502686}],"sentiment":"neutral","sentiment_score":0.3225723123177886,"num_words":16,"start":2.96,"end":10.48},{"sentences":[{"text":"I had you booked in to run through your updated advice document.","start":10.48,"end":13.299999,"sentiment":"neutral","sentiment_score":0.33251644174257916},{"text":"Is now a good time for you?","start":13.36,"end":15.04,"sentiment":"neutral","sentiment_score":0.24487706593104772},{"text":"Yep.","start":15.04,"end":15.54,"sentiment":"neutral","sentiment_score":0.06186501309275627},{"text":"Perfect.","start":16.654999,"end":17.154999,"sentiment":"positive","sentiment_score":0.5163773894309998},{"text":"How is everything going?","start":17.215,"end":18.595,"sentiment":"positive","sentiment_score":0.34859035909175873}],"sentiment":"neutral","sentiment_score":0.307077624052763,"num_words":25,"start":10.48,"end":18.595},{"sentences":[{"text":"Yeah.","start":21.375,"end":21.855,"sentiment":"neutral","sentiment_score":0.1214102953672409},{"text":"What's been happening?","start":21.855,"end":22.994999,"sentiment":"neutral","sentiment_score":0.07653231670459111},{"text":"Congratulations.","start":31.31,"end":31.81,"sentiment":"positive","sentiment_score":0.4375399649143219},{"text":"Oh, a little boy.","start":33.79,"end":35.23,"sentiment":"neutral","sentiment_score":0.21571751311421394},{"text":"That is beaut I know you were waiting.","start":35.23,"end":37.309998,"sentiment":"neutral","sentiment_score":0.23320983164012432}],"sentiment":"neutral","sentiment_score":0.20688799505724625,"num_words":17,"start":21.375,"end":37.309998},{"sentences":[{"text":"It was, like, coming, so that's fantastic.","start":37.309998,"end":39.57,"sentiment":"neutral","sentiment_score":0.23141722168241227},{"text":"I'm so excited.","start":39.79,"end":40.769997,"sentiment":"positive","sentiment_score":0.7124408284823099},{"text":"Oh, Yep.","start":41.149998,"end":44.344997,"sentiment":"neutral","sentiment_score":0.26817786693573},{"text":"Beautiful.","start":44.725,"end":45.225,"sentiment":"positive","sentiment_score":0.5287514925003052},{"text":"Oh, that's amazing.","start":45.844997,"end":46.984997,"sentiment":"positive","sentiment_score":0.49848167101542157}],"sentiment":"positive","sentiment_score":0.39486220479011536,"num_words":16,"start":37.309998,"end":46.984997},{"sentences":[{"text":"And how's everyone settling into having two kids?","start":47.045,"end":49.864998,"sentiment":"neutral","sentiment_score":0.17906616814434528},{"text":"Big change.","start":54.885,"end":55.704998,"sentiment":"neutral","sentiment_score":0.18948369473218918},{"text":"Yeah.","start":55.925,"end":56.425,"sentiment":"neutral","sentiment_score":0.04250926524400711},{"text":"No.","start":56.484997,"end":56.725,"sentiment":"neutral","sentiment_score":-0.001828748732805252},{"text":"That's perfect.","start":56.725,"end":57.625,"sentiment":"neutral","sentiment_score":0.03196795843541622}],"sentiment":"neutral","sentiment_score":0.1368652262857982,"num_words":14,"start":47.045,"end":57.625},{"sentences":[{"text":"I understand that.","start":60.01,"end":61.21,"sentiment":"neutral","sentiment_score":-0.045550777266422905},{"text":"Yeah.","start":61.21,"end":61.69,"sentiment":"neutral","sentiment_score":0.01962876692414284},{"text":"Definitely.","start":61.69,"end":62.19,"sentiment":"neutral","sentiment_score":0.04878596216440201},{"text":"But it's still a beautiful time, though, isn't it?","start":62.329998,"end":64.33,"sentiment":"neutral","sentiment_score":0.046217206658588514},{"text":"Like, you don't get those moments back.","start":64.33,"end":66.09,"sentiment":"neutral","sentiment_score":-0.00538702734879085}],"sentiment":"neutral","sentiment_score":0.014762288846430324,"num_words":21,"start":60.01,"end":66.09},{"sentences":[{"text":"Yeah.","start":66.09,"end":66.59,"sentiment":"neutral","sentiment_score":-0.019273238256573677},{"text":"Oh, fantastic.","start":68.649994,"end":69.549995,"sentiment":"neutral","sentiment_score":0.2902270406484604},{"text":"Tyler, I do wanna send the email through so you've got the advice document in front of you.","start":70.33,"end":74.435,"sentiment":"neutral","sentiment_score":0.09495371248986986},{"text":"Do you have access to your emails there at the moment?","start":74.435,"end":76.695,"sentiment":"neutral","sentiment_score":0.03140885213559324},{"text":"Yep.","start":78.274994,"end":78.59499,"sentiment":"neutral","sentiment_score":0.06935691833496094}],"sentiment":"neutral","sentiment_score":0.08136975635407549,"num_words":33,"start":66.09,"end":78.59499},{"sentences":[{"text":"Perfect.","start":78.59499,"end":78.994995,"sentiment":"neutral","sentiment_score":0.20638370513916016},{"text":"I'll just press send on that one for you.","start":78.994995,"end":81.015,"sentiment":"neutral","sentiment_score":0.13803672045469284},{"text":"Beautiful.","start":82.835,"end":83.335,"sentiment":"neutral","sentiment_score":0.15528331696987152},{"text":"So sorry.","start":83.954994,"end":84.515,"sentiment":"neutral","sentiment_score":-0.07010343857109547},{"text":"I'm losing my voice a little bit this morning.","start":84.515,"end":86.1,"sentiment":"neutral","sentiment_score":-0.21629335317346784}],"sentiment":"neutral","sentiment_score":-0.02194770679555156,"num_words":22,"start":78.59499,"end":86.1},{"sentences":[{"text":"So if I stop and pause or clear my throat, I do apologize in advance.","start":86.1,"end":89.72,"sentiment":"neutral","sentiment_score":-0.10993083268404007},{"text":"Yeah.","start":93.3,"end":93.7,"sentiment":"neutral","sentiment_score":0.0003747083246707916},{"text":"I've just sent that one through.","start":93.7,"end":94.82,"sentiment":"neutral","sentiment_score":0.04641311460485061},{"text":"Now moving forward, we do record our calls for quality and training purposes.","start":94.82,"end":97.94,"sentiment":"neutral","sentiment_score":0.07705383547223531},{"text":"Are you happy for me to proceed with that through the rest of the call?","start":97.94,"end":100.84,"sentiment":"neutral","sentiment_score":0.13751236647367476}],"sentiment":"neutral","sentiment_score":0.03388552527874708,"num_words":50,"start":86.1,"end":100.84},{"sentences":[{"text":"Yep.","start":101.865,"end":102.104996,"sentiment":"neutral","sentiment_score":0.12718340754508972},{"text":"Beautiful.","start":102.104996,"end":102.505,"sentiment":"neutral","sentiment_score":0.31357985734939575},{"text":"And I'll do security day with you as well.","start":102.505,"end":104.265,"sentiment":"neutral","sentiment_score":0.1935671865940094},{"text":"Just get you to confirm your full name, your date of birth, and address I should have on file.","start":104.265,"end":108.125,"sentiment":"neutral","sentiment_score":0.11023569558011859},{"text":"Perfect.","start":118.2,"end":118.68,"sentiment":"positive","sentiment_score":0.7942050695419312}],"sentiment":"neutral","sentiment_score":0.1635984267678953,"num_words":31,"start":101.865,"end":118.68},{"sentences":[{"text":"Thank you so much for that.","start":118.68,"end":120.119995,"sentiment":"positive","sentiment_score":0.8503598868846893},{"text":"Now the email should come through fairly quickly.","start":120.119995,"end":123.02,"sentiment":"positive","sentiment_score":0.5824780985713005},{"text":"I'm just opening it back up on my end.","start":123.24,"end":125.56,"sentiment":"neutral","sentiment_score":0.3199223445521461},{"text":"Although technology doesn't always like this, so we'll see how it goes.","start":125.56,"end":136.565,"sentiment":"neutral","sentiment_score":0.0028848411360134683},{"text":"You're right.","start":136.625,"end":137.445,"sentiment":"neutral","sentiment_score":0.10326390340924264}],"sentiment":"positive","sentiment_score":0.3481738138188784,"num_words":37,"start":118.68,"end":137.445},{"sentences":[{"text":"Oh, that's okay.","start":164.015,"end":164.895,"sentiment":"neutral","sentiment_score":0.16885683933893839},{"text":"If you can't look at it, I can always just run through it for you, and then you're welcome to review it later and let me know if you have any questions because I do want you to make through it as well.","start":164.895,"end":173.85,"sentiment":"neutral","sentiment_score":0.17902750114715377},{"text":"What would you like me to sort of do?","start":174.15001,"end":175.67,"sentiment":"neutral","sentiment_score":0.026772772893309593},{"text":"Did you wanna open it first, or did you want me just to run through it?","start":175.67,"end":179.05,"sentiment":"neutral","sentiment_score":0.009000362420920283},{"text":"Yep.","start":181.495,"end":181.995,"sentiment":"neutral","sentiment_score":0.011666012927889824}],"sentiment":"neutral","sentiment_score":0.11946360882009482,"num_words":72,"start":164.015,"end":181.995},{"sentences":[{"text":"Yeah.","start":183.495,"end":183.81499,"sentiment":"neutral","sentiment_score":0.20056839287281036},{"text":"Perfect.","start":183.81499,"end":184.215,"sentiment":"positive","sentiment_score":0.3977256417274475},{"text":"When you got some time later, lay down with Bob, have a bit of a read while you're nursing Bob.","start":184.215,"end":188.69499,"sentiment":"neutral","sentiment_score":0.15380649119615555},{"text":"Sounds good.","start":188.69499,"end":189.515,"sentiment":"positive","sentiment_score":0.34060586988925934},{"text":"Absolutely.","start":193.62,"end":194.12,"sentiment":"neutral","sentiment_score":0.13511566817760468}],"sentiment":"neutral","sentiment_score":0.1796300506591797,"num_words":25,"start":183.495,"end":194.12},{"sentences":[{"text":"Although it's different free time, isn't it?","start":194.9,"end":197.06,"sentiment":"neutral","sentiment_score":-0.011399711881365095},{"text":"It's like you're sitting around doing nothing, but you're, you know, focused on what you're doing at the time with Bobby.","start":197.06,"end":202.18,"sentiment":"neutral","sentiment_score":0.002060350756870494},{"text":"So yeah.","start":202.18,"end":203.0,"sentiment":"neutral","sentiment_score":0.06304478645324707},{"text":"Beautiful.","start":205.565,"end":206.065,"sentiment":"positive","sentiment_score":0.6046857833862305},{"text":"Beautiful.","start":206.125,"end":206.625,"sentiment":"positive","sentiment_score":0.5340973138809204}],"sentiment":"neutral","sentiment_score":0.038385689153074054,"num_words":32,"start":194.9,"end":206.625},{"sentences":[{"text":"Well, I'll run through this document for you.","start":207.245,"end":209.165,"sentiment":"neutral","sentiment_score":0.22690563462674618},{"text":"I'll try to sorta hit the points that I absolutely have to.","start":209.165,"end":211.725,"sentiment":"neutral","sentiment_score":0.1891589673856894},{"text":"I'll give you some updates around it, and then you're welcome to read it through.","start":211.725,"end":214.685,"sentiment":"neutral","sentiment_score":0.20361148317654928},{"text":"Let me know if you do have any questions in the meantime.","start":214.685,"end":217.105,"sentiment":"neutral","sentiment_score":0.14863425369064012},{"text":"I don't work Fridays because it is my day with my son.","start":217.76,"end":220.31999,"sentiment":"neutral","sentiment_score":-0.0824156819532315}],"sentiment":"neutral","sentiment_score":0.13447369142609128,"num_words":59,"start":207.245,"end":220.31999},{"sentences":[{"text":"However, I will be on my emails tomorrow because I have a lot of phonics to write.","start":220.31999,"end":223.51999,"sentiment":"neutral","sentiment_score":-0.026160312487798577},{"text":"So if you do happen to have any questions, you are welcome to email me, and I'll email you after the call.","start":223.51999,"end":229.28,"sentiment":"neutral","sentiment_score":0.11640532060780308},{"text":"That way, you've kinda got my email there.","start":229.28,"end":231.37999,"sentiment":"neutral","sentiment_score":0.23156877793371677},{"text":"And you're welcome to email me with any questions or else and I can always make time to follow-up as well.","start":231.725,"end":236.925,"sentiment":"neutral","sentiment_score":0.2061715374390284},{"text":"Okay?","start":236.925,"end":237.425,"sentiment":"neutral","sentiment_score":0.10920296609401704}],"sentiment":"neutral","sentiment_score":0.12184851038931073,"num_words":69,"start":220.31999,"end":237.425},{"sentences":[{"text":"Beautiful.","start":238.925,"end":239.425,"sentiment":"positive","sentiment_score":0.799964427947998},{"text":"Easy.","start":239.805,"end":240.305,"sentiment":"positive","sentiment_score":0.6805484294891357},{"text":"Now the advice document has been prepared for yourself, Tyler Fuller, as of the March 18.","start":240.845,"end":245.64499,"sentiment":"neutral","sentiment_score":0.19583992986008525},{"text":"We did finalize it yesterday for you.","start":245.645,"end":247.79,"sentiment":"neutral","sentiment_score":0.24139853886195592},{"text":"Prepared by myself, Dana Taylor.","start":248.11,"end":249.79,"sentiment":"neutral","sentiment_score":0.12209128588438034}],"sentiment":"neutral","sentiment_score":0.23047326455513636,"num_words":30,"start":238.925,"end":249.79},{"sentences":[{"text":"I'm an authorized representative under Oakview Financial, and my representative license number registered through ASIC is 1304394.","start":249.79,"end":258.255,"sentiment":"neutral","sentiment_score":0.1006594865637667},{"text":"The advice has been provided in best interest, making sure we're here to meet your goals.","start":259.215,"end":263.155,"sentiment":"positive","sentiment_score":0.3941696360707283},{"text":"The advice will need to be updated moving forward there as well.","start":264.015,"end":266.655,"sentiment":"neutral","sentiment_score":0.18700400119026503},{"text":"And I do know your birthday is tomorrow, so happy birthday for tomorrow.","start":266.655,"end":270.275,"sentiment":"neutral","sentiment_score":0.2516753856952374},{"text":"I hope.","start":272.58,"end":273.16,"sentiment":"neutral","sentiment_score":0.20701075345277786}],"sentiment":"neutral","sentiment_score":0.23246291639904182,"num_words":60,"start":249.79,"end":273.16},{"sentences":[{"text":"That's okay.","start":278.02,"end":278.9,"sentiment":"neutral","sentiment_score":-0.05360982567071915},{"text":"I just don't want anyone to ever think that they're not able to contact me on Fridays.","start":278.9,"end":282.82,"sentiment":"neutral","sentiment_score":-0.14279485055628946},{"text":"I do work Monday to Thursday and work longer hours, so I get Friday with my son.","start":282.82,"end":286.74,"sentiment":"neutral","sentiment_score":0.006630116306683596},{"text":"But most Fridays, I'm on my email.","start":286.74,"end":288.82498,"sentiment":"neutral","sentiment_score":-0.011093292385339737},{"text":"You can ask Maddie.","start":288.82498,"end":289.705,"sentiment":"neutral","sentiment_score":0.005795804172521457}],"sentiment":"neutral","sentiment_score":-0.052691275821107025,"num_words":47,"start":278.02,"end":289.705},{"sentences":[{"text":"I'm always on my email sort of doing something anyway, but I never want anyone to feel like they can't contact me.","start":289.705,"end":294.82498,"sentiment":"neutral","sentiment_score":-0.06272927688604052},{"text":"But I hope you just enjoy your birthday and hopefully go out for dinner or do something fun.","start":294.82498,"end":299.565,"sentiment":"neutral","sentiment_score":0.25791343963808483},{"text":"Fantastic.","start":303.57,"end":304.07,"sentiment":"positive","sentiment_score":0.5932118892669678},{"text":"Fantastic.","start":304.21002,"end":304.71002,"sentiment":"positive","sentiment_score":0.47693032026290894},{"text":"With the scope of the advice, we have scoped in superannuation.","start":306.05002,"end":308.71002,"sentiment":"neutral","sentiment_score":0.10418970307165926}],"sentiment":"neutral","sentiment_score":0.1033703163266182,"num_words":53,"start":289.705,"end":308.71002},{"sentences":[{"text":"So when we sort of touched base last time to do your review, there were some underperforming assets.","start":309.01,"end":313.25,"sentiment":"neutral","sentiment_score":-0.010899280508359274},{"text":"I wanted to have those removed.","start":313.25,"end":314.69,"sentiment":"neutral","sentiment_score":-0.10901919504006703},{"text":"So I've looked at how to adjust the portfolio to make sure they are removed and keep you on track to meeting your goal.","start":314.69,"end":320.195,"sentiment":"neutral","sentiment_score":0.14641149962941805},{"text":"We also looked at the child trauma policy.","start":321.535,"end":324.115,"sentiment":"neutral","sentiment_score":-0.02415750687941909},{"text":"So Oscar is now two.","start":324.175,"end":326.035,"sentiment":"neutral","sentiment_score":0.00400518886744976}],"sentiment":"neutral","sentiment_score":0.04082524034454197,"num_words":61,"start":309.01,"end":326.035},{"sentences":[{"text":"I've looked at how to structure a child trauma policy for a 100,000 to make it cost effective for you because I know with your other insurance policy, you have just gone through renewals.","start":326.575,"end":336.34,"sentiment":"neutral","sentiment_score":0.0074907777940525725},{"text":"So your policy has increased in cost a little bit there as well.","start":336.34,"end":339.3,"sentiment":"neutral","sentiment_score":-0.2563712436419267},{"text":"You're paying a bit more out of pocket now.","start":339.3,"end":341.24,"sentiment":"neutral","sentiment_score":-0.1678344127204683},{"text":"Yeah.","start":343.865,"end":344.265,"sentiment":"neutral","sentiment_score":0.024592405185103416},{"text":"So those policies are steps.","start":344.265,"end":345.945,"sentiment":"neutral","sentiment_score":0.03000989630818367}],"sentiment":"neutral","sentiment_score":-0.07119367016299118,"num_words":62,"start":326.575,"end":345.945},{"sentences":[{"text":"I'll go through it with you as well, but, essentially, they are steps.","start":345.945,"end":348.98502,"sentiment":"neutral","sentiment_score":0.06374224698027739},{"text":"They do increase in cost every year, so that's why it's important we do kinda review those with you to make sure the level of cover is what you're after so that you're not paying too much as well because now having two kids expenditure does go up.","start":348.98502,"end":361.11002,"sentiment":"neutral","sentiment_score":-0.09105949604418129},{"text":"So out of pocket expenses do need to be considered.","start":361.49,"end":364.07,"sentiment":"neutral","sentiment_score":-0.1492391660809517},{"text":"Okay?","start":364.29,"end":364.79,"sentiment":"neutral","sentiment_score":-0.002567686140537262},{"text":"Scraping out of the advice, so we're not looking at any personal investment or cash flow and budgeting at the moment.","start":366.93,"end":371.955,"sentiment":"neutral","sentiment_score":-0.08854720404460317}],"sentiment":"neutral","sentiment_score":-0.07415760463724534,"num_words":93,"start":345.945,"end":371.955},{"sentences":[{"text":"One of your medium term goals is to purchase another property and turn your home into an investment, and you're also looking to do some renovations down the track as well.","start":371.955,"end":380.115,"sentiment":"neutral","sentiment_score":0.08498961238130447},{"text":"But if you needed any cash flow and budgeting or other advice, you let me know.","start":380.115,"end":383.955,"sentiment":"neutral","sentiment_score":0.059920845087617636},{"text":"You're an ongoing client, so I can certainly help you moving forward with other areas of advice.","start":383.955,"end":388.51,"sentiment":"neutral","sentiment_score":0.21265600665527232},{"text":"Okay?","start":388.57,"end":389.07,"sentiment":"neutral","sentiment_score":0.08049078285694122},{"text":"Perfect.","start":390.09,"end":390.59,"sentiment":"positive","sentiment_score":0.35675865411758423}],"sentiment":"neutral","sentiment_score":0.11584565235358296,"num_words":66,"start":371.955,"end":390.59},{"sentences":[{"text":"Now with the with your assets and liabilities, I have those noted in here for you at the current level that we sort of discussed in the annual review.","start":391.61,"end":399.63,"sentiment":"neutral","sentiment_score":0.11095029539589224},{"text":"If you find that there's any discrepancy or you would rather change those asset values, I know the mortgage can fluctuate with, you know, paying it down and interest coming out and things like that.","start":399.88498,"end":409.10498,"sentiment":"neutral","sentiment_score":0.003535174618342093},{"text":"The assets and liabilities don't have an effect on the advice that we're providing.","start":409.565,"end":413.58002,"sentiment":"neutral","sentiment_score":-0.016435082868805954},{"text":"However, if you would like me to update those in the back end, you can let me know.","start":413.58002,"end":416.78,"sentiment":"neutral","sentiment_score":0.10730183952384525},{"text":"I can make a note of any changes to your assets and liabilities that we do have noted in the advice document there as well.","start":416.78,"end":422.7,"sentiment":"neutral","sentiment_score":0.10512145951390267}],"sentiment":"neutral","sentiment_score":0.06339395138211856,"num_words":121,"start":391.61,"end":422.7},{"sentences":[{"text":"Okay?","start":422.7,"end":423.2,"sentiment":"neutral","sentiment_score":0.06966236978769302},{"text":"Perfect.","start":424.785,"end":425.285,"sentiment":"positive","sentiment_score":0.3734189867973328},{"text":"Now as of the time we provided the advice document, the balance in super was about 82,297 and 27¢, and you do have your one pass policy.","start":425.825,"end":435.285,"sentiment":"neutral","sentiment_score":0.13598470346858868},{"text":"So out of super, you are paying for life, TPD, and income protection.","start":435.42502,"end":439.36502,"sentiment":"neutral","sentiment_score":0.12493673310830043},{"text":"You have 1,000,050 of life and TBD, and then an income protection policy providing a monthly, before income tax benefit of 5,544.","start":439.62,"end":450.52,"sentiment":"neutral","sentiment_score":0.12967037985270674}],"sentiment":"neutral","sentiment_score":0.13421602434818708,"num_words":64,"start":422.7,"end":450.52},{"sentences":[{"text":"You have a thirty day waiting period and a six year benefit period on that one.","start":450.58,"end":454.68,"sentiment":"neutral","sentiment_score":0.1435313462279737},{"text":"And then you've also got your one pass policy, which has just gone through renewal there.","start":454.775,"end":459.435,"sentiment":"neutral","sentiment_score":0.15119222225621343},{"text":"The total yearly premium for this is $435.60 out of pocket, and you're actually covered for now a $105,000 of life and trauma cover for yourself.","start":459.655,"end":469.83502,"sentiment":"neutral","sentiment_score":0.08383952525372688},{"text":"These are paid outside of super.","start":471.0,"end":473.0,"sentiment":"neutral","sentiment_score":-0.07491503780086835},{"text":"They are all stepped premiums.","start":473.0,"end":474.7,"sentiment":"neutral","sentiment_score":-0.06549083441495895}],"sentiment":"neutral","sentiment_score":0.08867333845599838,"num_words":69,"start":450.58,"end":474.7},{"sentences":[{"text":"So both your policies inside super and outside super will increase in cost as you get older as the risk of you making a claim increases.","start":474.76,"end":483.18,"sentiment":"neutral","sentiment_score":-0.20536773637510264},{"text":"However, they are also CPI linked.","start":483.64,"end":485.805,"sentiment":"neutral","sentiment_score":-0.12703913698593775},{"text":"So it does mean that the sum insured is gonna keep increasing as well because we know the buying capacity is eaten away on a dollar, a $100 this year isn't worth a $100 next year.","start":485.805,"end":496.38498,"sentiment":"neutral","sentiment_score":-0.3079761593706078},{"text":"Insurance policies are linked to CPI.","start":496.60498,"end":499.26498,"sentiment":"neutral","sentiment_score":-0.08227103824416797},{"text":"So as much as you're paying a little bit more for the policies, they do increase in value as well.","start":499.405,"end":504.21,"sentiment":"neutral","sentiment_score":0.0011886080261319884}],"sentiment":"neutral","sentiment_score":-0.18785948695694196,"num_words":94,"start":474.76,"end":504.21},{"sentences":[{"text":"So if you were to claim on trauma, you can claim a 105,000 instead of the initial 100,000 that you did have there.","start":504.21,"end":510.93,"sentiment":"neutral","sentiment_score":-0.012931127830044083},{"text":"But, well, I'll review them with you.","start":510.93,"end":512.93,"sentiment":"neutral","sentiment_score":-0.008719590093408312},{"text":"If you start getting too expensive, we can look at the amounts, and part of your annual review will also reevaluate the levels of cover, and we can always adjust them to keep them cost effective and make sure it's working to you at the same time.","start":513.25,"end":525.245,"sentiment":"neutral","sentiment_score":0.015881848858391986},{"text":"Okay?","start":525.305,"end":525.805,"sentiment":"neutral","sentiment_score":0.07088024169206619},{"text":"Perfect.","start":527.72003,"end":528.22003,"sentiment":"positive","sentiment_score":0.5536994934082031}],"sentiment":"neutral","sentiment_score":0.012817386844301526,"num_words":79,"start":504.21,"end":528.22003},{"sentences":[{"text":"Now with regard to the recommendations here, and you'll be able to go through these in a a fair bit of detail.","start":528.76,"end":533.64,"sentiment":"neutral","sentiment_score":0.0962163165889003},{"text":"I've added lots of advantages, disadvantages, risks involved, and alternatives that I've considered for you.","start":533.64,"end":539.18,"sentiment":"neutral","sentiment_score":0.011028363462537527},{"text":"But with regard to the super and the recommendations, now Bannalong was the investment that was underperforming, so we have made a recommendation to remove that completely from your portfolio.","start":539.60504,"end":548.505,"sentiment":"neutral","sentiment_score":-0.23191220909357071},{"text":"Because we are removing Bannalong, it isn't a down point, so we are cementing the loss there.","start":549.205,"end":553.41003,"sentiment":"negative","sentiment_score":-0.39247043956728545},{"text":"So I'm also recommending that we rebalance your portfolio as well just to make sure that, a, it's working properly, but then you're not overexposing yourself to risk.","start":553.41003,"end":562.13,"sentiment":"neutral","sentiment_score":0.004968726475323949}],"sentiment":"neutral","sentiment_score":-0.1000719195290003,"num_words":112,"start":528.76,"end":562.13},{"sentences":[{"text":"So we're taking advantage of the fact that Bannalong is down.","start":562.13,"end":565.33,"sentiment":"neutral","sentiment_score":-0.09359290383078835},{"text":"We're seeing a loss by cementing it and removing it from your portfolio.","start":565.33,"end":568.605,"sentiment":"neutral","sentiment_score":-0.2581008111055081},{"text":"So we can offset any other capital gains that the other investments might have foreseen and try to rebalance at the same time, which is a benefit for you.","start":568.605,"end":576.805,"sentiment":"neutral","sentiment_score":0.2855254039168358},{"text":"Okay?","start":576.805,"end":577.305,"sentiment":"neutral","sentiment_score":0.18645671010017395},{"text":"So what we're gonna be doing is we're rebalancing the cyber security and the India quality ETF.","start":579.045,"end":584.41,"sentiment":"neutral","sentiment_score":0.10483730146113564}],"sentiment":"neutral","sentiment_score":0.08259288819742874,"num_words":71,"start":562.13,"end":584.41},{"sentences":[{"text":"You'll have 7% in there.","start":584.41,"end":585.93,"sentiment":"neutral","sentiment_score":0.12916160821914674},{"text":"We're gonna sell about 393 of cyber security, a $118 of India quality ETF just to bring you back to the level you should be in a rebalance set.","start":585.93,"end":596.11,"sentiment":"neutral","sentiment_score":0.21807286888360977},{"text":"We'll be buying into a bit of the Global Healthcare, so rebalancing that one for you, buying a bit more of the S and P 500 to rebalance it, buying a bit more of the Raffi Aussie 200 to rebalance that one as well, and then selling all of the Van Alung to get rid of that underperforming investment.","start":596.355,"end":611.975,"sentiment":"neutral","sentiment_score":0.07148374664455147},{"text":"We are replacing Van Along with the BetaShares a 200, which you'll see in here.","start":613.13,"end":618.67004,"sentiment":"neutral","sentiment_score":0.008731619579096635},{"text":"Essentially, it is still giving you exposure to the top 200 companies in Australia.","start":619.45,"end":623.93005,"sentiment":"neutral","sentiment_score":0.0035127571650913785}],"sentiment":"neutral","sentiment_score":0.09317717364546461,"num_words":122,"start":584.41,"end":623.93005},{"sentences":[{"text":"It's still giving you the Australian equity exposure.","start":623.93005,"end":627.51495,"sentiment":"neutral","sentiment_score":0.04083431791514158},{"text":"The main sort of difference is the a 200 is more of a passively managed fund, so it tracks the top 200 companies in Australia and the index with regard to that.","start":627.89496,"end":636.63495,"sentiment":"neutral","sentiment_score":0.010617696912959218},{"text":"One of the benefits of having the a two hundred over Bennelong is Bennelong was meant to be more of an actively managed component, but they don't haven't really been very actively managing their portfolio.","start":636.69495,"end":645.87,"sentiment":"neutral","sentiment_score":-0.08692322384033885},{"text":"And as such, they've been underperforming with their investments not working within the fund there.","start":646.09,"end":650.99,"sentiment":"negative","sentiment_score":-0.36332613925139107},{"text":"The a two hundred isn't actively managed.","start":651.13,"end":653.29004,"sentiment":"neutral","sentiment_score":-0.31955124863556456}],"sentiment":"neutral","sentiment_score":-0.10373837957830773,"num_words":97,"start":623.93005,"end":653.29004},{"sentences":[{"text":"It's just tracking an index, and as such, the management fees are actually cheaper.","start":653.29004,"end":657.495,"sentiment":"positive","sentiment_score":0.38242134345429285},{"text":"It tracks the top 200 companies on the Australian A XF, so it's actually giving you a little bit more Australian exposure.","start":657.71497,"end":664.055,"sentiment":"positive","sentiment_score":0.39437590539455414},{"text":"You've got more companies to diversify your portfolio with, and having cheaper management fees provides a benefit to you.","start":664.115,"end":670.85,"sentiment":"positive","sentiment_score":0.5666144929434124},{"text":"With the a 200, similar to the S and P 500, having exposure to these indexes is great because there's a certain criteria that the companies have to meet to be in these indexes, and the beta shares a 200 and the beta sorry.","start":670.99,"end":686.875,"sentiment":"neutral","sentiment_score":0.33037631992589345},{"text":"The s iShares S and P 500, they track those indices.","start":686.875,"end":691.535,"sentiment":"neutral","sentiment_score":0.12145867130973122}],"sentiment":"positive","sentiment_score":0.36971315958283163,"num_words":110,"start":653.29004,"end":691.535},{"sentences":[{"text":"So if companies within the indices don't meet a criteria to be in the top 200 on the a 200 or in the S and P 500, they're actually removed and replaced with other companies.","start":691.995,"end":702.31995,"sentiment":"neutral","sentiment_score":0.014242550092084067},{"text":"So you are always tracking the movement of the top 200 with the a 200 and the top 500 with the S and P 500 there.","start":702.62,"end":709.89996,"sentiment":"neutral","sentiment_score":0.15068663857304132},{"text":"So it provides a benefit.","start":709.89996,"end":711.695,"sentiment":"neutral","sentiment_score":0.32748793363571166},{"text":"You're not having to try and outperform the market.","start":712.15497,"end":714.315,"sentiment":"neutral","sentiment_score":0.2368638805217213},{"text":"You're tracking in indices, and the indices is always working, always tracking the top companies.","start":714.315,"end":719.195,"sentiment":"neutral","sentiment_score":0.23082005083560944}],"sentiment":"neutral","sentiment_score":0.129420635683669,"num_words":90,"start":691.995,"end":719.195},{"sentences":[{"text":"So you're not, you know, not following underperforming investments in those sorts of ways, if that makes sense.","start":719.195,"end":725.07,"sentiment":"neutral","sentiment_score":-0.04517304017725918},{"text":"Okay?","start":725.31,"end":725.71,"sentiment":"neutral","sentiment_score":0.009283741936087608},{"text":"Yeah.","start":725.71,"end":726.11,"sentiment":"neutral","sentiment_score":0.1506199687719345},{"text":"Perfect.","start":726.11,"end":726.61,"sentiment":"neutral","sentiment_score":0.3143848776817322},{"text":"So we'll have the a 200 in there instead of that along, which is great.","start":728.03,"end":731.23,"sentiment":"neutral","sentiment_score":0.20988774547974268}],"sentiment":"neutral","sentiment_score":0.07804139020542304,"num_words":36,"start":719.195,"end":731.23},{"sentences":[{"text":"We're still gonna hold the JPMorgan Global Research Enhanced Equity Fund.","start":731.23,"end":735.31,"sentiment":"neutral","sentiment_score":0.17109899087385697},{"text":"Again, it's just sort of giving you a bit of exposure to JPMorgan's great for a research house, and that investment is about 15% actively managed.","start":735.31,"end":743.595,"sentiment":"neutral","sentiment_score":0.2733657830036603},{"text":"It's about making sure they're sort of looking to track up and coming areas as well as growth and investments that have a great track record.","start":744.055,"end":751.96,"sentiment":"neutral","sentiment_score":0.24931004299567297},{"text":"So utilizing them is great.","start":751.96,"end":753.72003,"sentiment":"neutral","sentiment_score":0.20594950914382934},{"text":"There's only a small portion of your portfolio in there.","start":753.72003,"end":756.52,"sentiment":"neutral","sentiment_score":0.24984219372272493}],"sentiment":"neutral","sentiment_score":0.24358756228899345,"num_words":78,"start":731.23,"end":756.52},{"sentences":[{"text":"It's still a good investment, has performed really well in your portfolio, so we do wanna keep that in there and just rebalance that a little bit.","start":756.52,"end":763.335,"sentiment":"positive","sentiment_score":0.4550451818439696},{"text":"Physical gold, we are buying a bit more physical gold.","start":763.97504,"end":766.935,"sentiment":"neutral","sentiment_score":0.05872202515602112},{"text":"You're a bit underweighted at the moment, and physical gold has been fantastic.","start":766.935,"end":770.315,"sentiment":"neutral","sentiment_score":0.21555512779965424},{"text":"So we'll buy a bit more of that and keep you waiting correct.","start":770.695,"end":773.67505,"sentiment":"positive","sentiment_score":0.34157768465005434},{"text":"We are also getting rid of the bank hybrids.","start":774.29504,"end":776.695,"sentiment":"neutral","sentiment_score":-0.0227036542362637}],"sentiment":"neutral","sentiment_score":0.27655324770926704,"num_words":72,"start":756.52,"end":776.695},{"sentences":[{"text":"Now as they kinda went through, the government is phasing those out in the future.","start":776.695,"end":780.52,"sentiment":"neutral","sentiment_score":-0.04761021559437116},{"text":"So we're taking the advantage to remove those now whilst we are rebalancing and getting rid of Bennelong.","start":780.52,"end":785.9,"sentiment":"neutral","sentiment_score":0.02089286305838161},{"text":"The losses Bennelong has seen will help to offset some of the gains.","start":786.44,"end":789.74005,"sentiment":"neutral","sentiment_score":-0.055268766036113866},{"text":"So removing the bank hybrids and then moving the money into the core composite bonds, doing it now as opposed to waiting to when we have to down the track.","start":789.88,"end":798.035,"sentiment":"neutral","sentiment_score":0.012080192565917969},{"text":"Because you're younger means that rebalancing obviously the portfolio now, we make those changes, and then you've got a really good time horizon to allow your portfolio to recover and to continue growing out from that, and we'll keep monitoring it for you.","start":798.095,"end":811.69,"sentiment":"neutral","sentiment_score":0.19977733163639558}],"sentiment":"neutral","sentiment_score":0.0663550872269611,"num_words":119,"start":776.695,"end":811.69},{"sentences":[{"text":"Does that make sense?","start":811.69,"end":812.75,"sentiment":"neutral","sentiment_score":0.06708559393882751},{"text":"Yep.","start":813.37,"end":813.87,"sentiment":"neutral","sentiment_score":0.13894131779670715},{"text":"Perfect.","start":814.65,"end":815.15,"sentiment":"positive","sentiment_score":0.4954460561275482},{"text":"I do have the best interest duty in here for you that notes this recommendation is in your best interest.","start":815.61005,"end":820.41003,"sentiment":"neutral","sentiment_score":0.2997312620282173},{"text":"I did look at Hub twenty four as a fund.","start":820.41003,"end":822.57,"sentiment":"neutral","sentiment_score":0.15206229016184808}],"sentiment":"neutral","sentiment_score":0.2338327192183998,"num_words":36,"start":811.69,"end":822.57},{"sentences":[{"text":"I'm retaining that because Hub twenty four is still great.","start":822.57,"end":825.475,"sentiment":"neutral","sentiment_score":0.2588329389691353},{"text":"It actually works out less in best interest to move to another super fund when we're only altering some of the investments.","start":825.615,"end":832.275,"sentiment":"neutral","sentiment_score":-0.024637488373131913},{"text":"So we only realistically have to sell some of the investments and rebalance others.","start":832.415,"end":837.88,"sentiment":"neutral","sentiment_score":-0.08831958419510297},{"text":"Instead, if we moved you to another fund, we'd be fully selling everything down.","start":837.88,"end":841.32,"sentiment":"neutral","sentiment_score":-0.054767799696752},{"text":"The CDT effect would be greater.","start":841.32,"end":843.26,"sentiment":"neutral","sentiment_score":-0.03776078298687935}],"sentiment":"neutral","sentiment_score":-0.0027800519231029534,"num_words":66,"start":822.57,"end":843.26},{"sentences":[{"text":"As it is, when I looked at the research, the CDT effect on your super fund is actually zero.","start":844.68005,"end":850.27496,"sentiment":"neutral","sentiment_score":0.025457813159415598},{"text":"So because Van Along is quite heavily down at the moment, by making all these changes to your portfolio, we're actually offsetting all of the capital gains.","start":850.27496,"end":858.355,"sentiment":"neutral","sentiment_score":0.024682539756651276},{"text":"So your super fund will have no CGT effect, which is a benefit for you as well.","start":858.355,"end":862.755,"sentiment":"neutral","sentiment_score":0.27462775216383095},{"text":"Okay.","start":862.755,"end":863.255,"sentiment":"neutral","sentiment_score":0.13578300178050995},{"text":"Perfect.","start":864.58,"end":865.08,"sentiment":"positive","sentiment_score":0.4414983987808227}],"sentiment":"neutral","sentiment_score":0.09840123401238368,"num_words":65,"start":844.68005,"end":865.08},{"sentences":[{"text":"Because we are remaining in hub twenty four, the administration fees do stay the same.","start":866.10004,"end":870.02,"sentiment":"neutral","sentiment_score":0.28274271786212923},{"text":"There's no change there, but the underlying investment fee actually reduces.","start":870.02,"end":873.72003,"sentiment":"neutral","sentiment_score":0.2850374254313382},{"text":"So for the first year after making these changes, the total investment fees drop.","start":873.86005,"end":878.84503,"sentiment":"neutral","sentiment_score":0.07606127325977598},{"text":"So we end up saving you about a $121 for the first year in investment fees.","start":878.84503,"end":883.325,"sentiment":"positive","sentiment_score":0.4645064137876034},{"text":"So, again, fees drop, changes to your portfolio.","start":883.325,"end":886.30505,"sentiment":"positive","sentiment_score":0.3491740580648184}],"sentiment":"neutral","sentiment_score":0.29167039622552693,"num_words":64,"start":866.10004,"end":886.30505},{"sentences":[{"text":"It has showed a better a better performance in the past as well.","start":886.525,"end":890.065,"sentiment":"positive","sentiment_score":0.613321813253256},{"text":"I do know projections are just projections, and they are you know, we're not expecting you to get this return on a regular basis.","start":890.61,"end":896.87,"sentiment":"neutral","sentiment_score":0.01577810892680039},{"text":"But by moving into the recommended portfolio, I have to use the three year rolling average because bank hybrids haven't been around for five years to give me a five year rolling average.","start":896.93,"end":906.36505,"sentiment":"neutral","sentiment_score":0.03800259005617012},{"text":"But the newer portfolio over the past three years has averaged about 16.83%.","start":907.145,"end":912.92505,"sentiment":"neutral","sentiment_score":0.03995343770545263},{"text":"I know with the volatility and the the changes in the market that we are seeing at the moment, I definitely don't expect you to get 16% from now over the next ten years.","start":913.065,"end":922.05,"sentiment":"neutral","sentiment_score":-0.1328679638750413}],"sentiment":"neutral","sentiment_score":0.0479301502291336,"num_words":117,"start":886.525,"end":922.05},{"sentences":[{"text":"But if the market performs really well and you can average that kind of return, which is greater than what your current portfolio average has been, we can see a greater future performance, and we can estimate you to be at about $35,000 better off over the next ten years, which would be great if we can do that for you.","start":922.19,"end":939.90497,"sentiment":"positive","sentiment_score":0.3835116172911691},{"text":"Okay?","start":939.90497,"end":940.40497,"sentiment":"neutral","sentiment_score":0.0653606727719307},{"text":"Yeah.","start":940.785,"end":941.285,"sentiment":"neutral","sentiment_score":0.13639429211616516},{"text":"Beautiful.","start":941.745,"end":942.245,"sentiment":"positive","sentiment_score":0.4104190468788147},{"text":"I'll let you run your eyes over that one.","start":942.945,"end":944.785,"sentiment":"neutral","sentiment_score":0.2035200728310479}],"sentiment":"positive","sentiment_score":0.3539460729042145,"num_words":73,"start":922.19,"end":944.785},{"sentences":[{"text":"I don't wanna throw too many numbers at you and make it too confusing.","start":944.785,"end":948.12,"sentiment":"neutral","sentiment_score":-0.1264504465673651},{"text":"The thing I hate about not having you see the document is I don't wanna sort of talk at you at all.","start":948.33997,"end":952.98,"sentiment":"neutral","sentiment_score":-0.13877072659405795},{"text":"I kinda wanna just make sure I'm giving you what you need, but not throwing too much confusing numbers and whatnot at you.","start":952.98,"end":959.39996,"sentiment":"neutral","sentiment_score":-0.045252414744185364},{"text":"So I'll let you read through that one, and you can let me know if you have any additional questions or concerns or anything in relation to it.","start":960.1,"end":968.085,"sentiment":"neutral","sentiment_score":0.07791869222585644},{"text":"Okay?","start":968.085,"end":968.585,"sentiment":"neutral","sentiment_score":0.09725673496723176}],"sentiment":"neutral","sentiment_score":-0.040739632486789065,"num_words":88,"start":944.785,"end":968.585},{"sentences":[{"text":"Perfect.","start":970.325,"end":970.825,"sentiment":"positive","sentiment_score":0.3567282557487488},{"text":"Now with the we are retaining your life, your TPD, your income protection inside Super there at the moment.","start":972.325,"end":979.11,"sentiment":"neutral","sentiment_score":0.10415854501096826},{"text":"There's no major changes to that.","start":979.11,"end":980.94995,"sentiment":"neutral","sentiment_score":-0.02108250434199969},{"text":"This, whilst we're not making any changes, has been scoped into a limited scope to the advice.","start":980.94995,"end":985.85,"sentiment":"neutral","sentiment_score":-0.10706165235708742},{"text":"A limited scope simply means that we know we're not making a recommendation on this product.","start":986.355,"end":991.575,"sentiment":"neutral","sentiment_score":-0.17040203046053648}],"sentiment":"neutral","sentiment_score":-0.03961415241582919,"num_words":59,"start":970.325,"end":991.575},{"sentences":[{"text":"However, there is an effect on any other recommendations that we are making.","start":991.635,"end":995.715,"sentiment":"neutral","sentiment_score":-0.11491232021496846},{"text":"So because your life, TPD, and income protection are paid out of super, having it scoped into a limited extent just makes sure that you're aware you are paying for those premiums out of super, and so we have to account for that as part of the overall projection and looking at the fees and the effect on your super.","start":995.715,"end":1011.69,"sentiment":"neutral","sentiment_score":-0.09561584064116081},{"text":"So that's why it's limited scope in there, and I've got a little blurb that explains that to you as well.","start":1011.84503,"end":1016.645,"sentiment":"neutral","sentiment_score":-0.03373600645656032},{"text":"Okay?","start":1016.645,"end":1017.145,"sentiment":"neutral","sentiment_score":0.05661514773964882},{"text":"Perfect.","start":1018.645,"end":1019.145,"sentiment":"positive","sentiment_score":0.5411791205406189}],"sentiment":"neutral","sentiment_score":-0.07647367154762226,"num_words":96,"start":991.635,"end":1019.145},{"sentences":[{"text":"I with regard to the the child trauma policy, now we are making a recommendation that you do apply for the child trauma policy, applying for a $100,000 of the child trauma with one path.","start":1020.885,"end":1033.35,"sentiment":"neutral","sentiment_score":0.12573101286377225},{"text":"So I had a really good look at all the options out there with regards to the child trauma policy.","start":1033.35,"end":1038.49,"sentiment":"neutral","sentiment_score":0.23584848642349243},{"text":"Most of the insurers weren't willing to offer a stand alone policy, so we're applying for that with OnePath, and it will be linked to your current trauma and life policy, which is great.","start":1039.3551,"end":1049.775,"sentiment":"neutral","sentiment_score":0.1773051699513898},{"text":"Your current premium on a monthly basis, this is with the increase as it's just gone through renewal, is $36.30 on a monthly basis.","start":1050.4751,"end":1058.6699,"sentiment":"neutral","sentiment_score":-0.004725618889400114},{"text":"By adding a child trauma policy in there for Oscar, it goes up by $12 on a monthly basis.","start":1058.6699,"end":1064.35,"sentiment":"neutral","sentiment_score":0.043237585574388504}],"sentiment":"neutral","sentiment_score":0.12010628961830992,"num_words":132,"start":1020.885,"end":1064.35},{"sentences":[{"text":"So you end up paying about $48.67 per month for all three policies outside of pocket.","start":1064.35,"end":1070.965,"sentiment":"neutral","sentiment_score":0.025088989175856113},{"text":"Okay?","start":1071.025,"end":1071.525,"sentiment":"neutral","sentiment_score":0.020999984815716743},{"text":"It is.","start":1074.385,"end":1075.125,"sentiment":"neutral","sentiment_score":0.01792200841009617},{"text":"Yep.","start":1076.865,"end":1077.265,"sentiment":"neutral","sentiment_score":0.08153703063726425},{"text":"Yeah.","start":1077.265,"end":1077.745,"sentiment":"neutral","sentiment_score":0.14559805393218994}],"sentiment":"neutral","sentiment_score":0.032638233953288624,"num_words":21,"start":1064.35,"end":1077.745},{"sentences":[{"text":"Perfect.","start":1077.745,"end":1078.245,"sentiment":"neutral","sentiment_score":0.29771530628204346},{"text":"It is a set policy, so it will continue to get more expensive, but we are able to link this to the other policies.","start":1079.105,"end":1084.42,"sentiment":"neutral","sentiment_score":0.07801626902073622},{"text":"So it does make it cheaper to link and add the policy in there for you.","start":1084.42,"end":1088.2,"sentiment":"neutral","sentiment_score":0.15898503083735704},{"text":"The only other provider as an alternative that was willing to offer a standard a stand alone trauma policy for children I was tau, but their policy came out a little bit more expensive.","start":1088.5,"end":1098.045,"sentiment":"neutral","sentiment_score":-0.223329812507419},{"text":"It was a bit over $13 on a monthly basis.","start":1098.045,"end":1100.625,"sentiment":"neutral","sentiment_score":-0.33168217092752456}],"sentiment":"neutral","sentiment_score":-0.07289610680411844,"num_words":85,"start":1077.745,"end":1100.625},{"sentences":[{"text":"So in the interest of making sure it's more cost effective, it went with a cheaper policy, which is one pass.","start":1100.685,"end":1106.2051,"sentiment":"neutral","sentiment_score":-0.1999154296659288},{"text":"Linking it to your current policies means that you keep everything together.","start":1106.2051,"end":1109.745,"sentiment":"positive","sentiment_score":0.409918375313282},{"text":"And I've even got a copy of the I had a look at the application form.","start":1110.8099,"end":1114.97,"sentiment":"neutral","sentiment_score":0.23363348562270403},{"text":"There's only a couple of questions.","start":1114.97,"end":1116.4099,"sentiment":"neutral","sentiment_score":0.10885046298305194},{"text":"They do ask a few questions about family history, but they're mainly just asking to make sure that Oscar hasn't had any major traumatic diagnosis since he was born.","start":1116.4099,"end":1124.83,"sentiment":"neutral","sentiment_score":0.04994112028387086}],"sentiment":"neutral","sentiment_score":0.07809913710557989,"num_words":84,"start":1100.685,"end":1124.83},{"sentences":[{"text":"And there's no real major underwriting to it, which is really important.","start":1125.4349,"end":1129.135,"sentiment":"neutral","sentiment_score":0.01847705338150263},{"text":"As an alternative, I did also go and have a look at structuring it, looking at life trauma and child trauma as a combined with other providers, but it honestly does work out cheaper to stay with OnePath.","start":1130.315,"end":1141.71,"sentiment":"neutral","sentiment_score":0.18278010385601143},{"text":"You've got the multi policy discount there.","start":1141.85,"end":1144.01,"sentiment":"positive","sentiment_score":0.40421423741749357},{"text":"OnePath is still the best provider, and linking it to your currently current policy made it more cost effective for you.","start":1144.01,"end":1150.25,"sentiment":"positive","sentiment_score":0.4345078695388067},{"text":"So that's the recommendation for that one.","start":1150.25,"end":1152.51,"sentiment":"neutral","sentiment_score":0.08991018576281411}],"sentiment":"neutral","sentiment_score":0.23236358599627718,"num_words":85,"start":1125.4349,"end":1152.51},{"sentences":[{"text":"Yeah.","start":1152.5701,"end":1153.0701,"sentiment":"neutral","sentiment_score":0.05393869429826737},{"text":"Yeah.","start":1157.505,"end":1158.005,"sentiment":"neutral","sentiment_score":0.015960898250341415},{"text":"Yep.","start":1158.145,"end":1158.645,"sentiment":"neutral","sentiment_score":0.02452903985977173},{"text":"Yeah.","start":1165.185,"end":1165.59,"sentiment":"neutral","sentiment_score":0.09431548416614532},{"text":"Absolutely.","start":1165.75,"end":1166.15,"sentiment":"neutral","sentiment_score":0.16974535584449768}],"sentiment":"neutral","sentiment_score":0.0716978944838047,"num_words":5,"start":1152.5701,"end":1166.15},{"sentences":[{"text":"It is always better to get the policies earlier than it is later.","start":1166.15,"end":1169.85,"sentiment":"neutral","sentiment_score":0.07222266581196052},{"text":"I mean, he's he's nice and healthy, and you look great, and he should not have anything over the next couple of years.","start":1170.39,"end":1175.99,"sentiment":"neutral","sentiment_score":0.24400305877561154},{"text":"However, if anything did arise making, you know even on child policy, if something did arise down the track, it can make the policies more expensive.","start":1175.99,"end":1184.2849,"sentiment":"neutral","sentiment_score":-0.29633442856944525},{"text":"You can have exclusions like what you've got at the moment.","start":1184.2849,"end":1187.085,"sentiment":"neutral","sentiment_score":-0.3022463633255525},{"text":"So doing that now is much better for him.","start":1187.085,"end":1189.9049,"sentiment":"neutral","sentiment_score":-0.04900504027803739}],"sentiment":"neutral","sentiment_score":-0.059993725542615096,"num_words":82,"start":1166.15,"end":1189.9049},{"sentences":[{"text":"The benefits of having a policy is we can link it to your one pass.","start":1190.2849,"end":1193.97,"sentiment":"neutral","sentiment_score":0.32714274724324544},{"text":"It is more cost effective for you.","start":1193.97,"end":1195.99,"sentiment":"neutral","sentiment_score":0.3061027356556484},{"text":"But I had a really good look at what one pass offer, and it's actually really cool.","start":1196.37,"end":1199.89,"sentiment":"positive","sentiment_score":0.6166472452528337},{"text":"So I've got all of that noted here for you, and I've also got the PDF attached in case you like enjoying reading through those.","start":1199.89,"end":1206.15,"sentiment":"neutral","sentiment_score":0.26664932936429975},{"text":"But when it comes to the policy, so one path cover up to 51 different traumatic conditions for child trauma.","start":1206.595,"end":1214.215,"sentiment":"neutral","sentiment_score":-0.03020291244611144}],"sentiment":"neutral","sentiment_score":0.2808933156276388,"num_words":84,"start":1190.2849,"end":1214.215},{"sentences":[{"text":"It accounts for blindness.","start":1214.6749,"end":1216.375,"sentiment":"neutral","sentiment_score":-0.06268887035548687},{"text":"Some of them are benign brain tumors, blindness, plastic anemia, benign spinal tumors.","start":1217.5549,"end":1223.32,"sentiment":"neutral","sentiment_score":-0.0784622746018263},{"text":"We've got brain damage, burns, severe cancer, cardiomyopathy, deafness.","start":1223.46,"end":1229.08,"sentiment":"neutral","sentiment_score":-0.11657301253742641},{"text":"There's a couple I can't pronounce there, and certain head traumas as well that are permanent and irreversible.","start":1229.46,"end":1234.28,"sentiment":"neutral","sentiment_score":-0.12667163378662533},{"text":"Kidney failure, loss of speech, permanent paralysis, and loss of a limb, mening meningococcal, meningitis meningitis I'm sorry.","start":1235.155,"end":1244.515,"sentiment":"neutral","sentiment_score":-0.12154249515798357}],"sentiment":"neutral","sentiment_score":-0.1094802658884756,"num_words":62,"start":1214.6749,"end":1244.515},{"sentences":[{"text":"I'm not a doctor.","start":1244.515,"end":1245.3151,"sentiment":"neutral","sentiment_score":-0.17164631560444832},{"text":"I don't do well with these big words.","start":1245.3151,"end":1247.175,"sentiment":"neutral","sentiment_score":-0.13758161757141352},{"text":"Terminal illnesses, stroke, and organ transplant.","start":1249.2,"end":1251.86,"sentiment":"neutral","sentiment_score":-0.08047135795156161},{"text":"The policy will have a ninety day qualifying period on it.","start":1253.04,"end":1256.16,"sentiment":"neutral","sentiment_score":0.019842938604679974},{"text":"So, essentially, it just means that for the first ninety days, there are limitations on what can be claimed, but after the first ninety days, everything is fine.","start":1256.16,"end":1264.5549,"sentiment":"neutral","sentiment_score":-0.020666559409749295}],"sentiment":"neutral","sentiment_score":-0.04614838051789424,"num_words":57,"start":1244.515,"end":1264.5549},{"sentences":[{"text":"It's just sort of making sure that you're not not trying to claim on anything that you maybe think you might have within the first ninety days.","start":1264.615,"end":1272.615,"sentiment":"neutral","sentiment_score":-0.06393650063761959},{"text":"Sort of the same with life insurance.","start":1272.615,"end":1274.215,"sentiment":"neutral","sentiment_score":-0.06407151584114347},{"text":"They normally don't cover they normally, for the thirteen first thirteen months, don't cover suicide on life cover.","start":1274.215,"end":1280.98,"sentiment":"neutral","sentiment_score":-0.1616687004764875},{"text":"You've gotta kinda have the policy for the first year before they'll cover that.","start":1280.98,"end":1284.5,"sentiment":"neutral","sentiment_score":-0.02881677874497005},{"text":"So it does work out the same with the child trauma policy there for you.","start":1284.5,"end":1287.94,"sentiment":"neutral","sentiment_score":0.22084027528762817}],"sentiment":"neutral","sentiment_score":-0.026859919874020564,"num_words":81,"start":1264.615,"end":1287.94},{"sentences":[{"text":"But after the first ninety days, you are fully covered for everything.","start":1287.94,"end":1291.32,"sentiment":"neutral","sentiment_score":0.2046729438006878},{"text":"Some other really good advantages of the policy are that it has the accommodation benefit there as well.","start":1292.1749,"end":1297.215,"sentiment":"positive","sentiment_score":0.4555309580432044},{"text":"So, essentially, if something was to happen to Tyler sorry.","start":1297.215,"end":1300.4149,"sentiment":"neutral","sentiment_score":0.06817725002765655},{"text":"If something was to happen to Oscar, I do apologize.","start":1300.4149,"end":1302.6749,"sentiment":"neutral","sentiment_score":-0.0625853717327118},{"text":"And he was bedridden, and, you know, if family members you guys had to travel or be somewhere, they do pay out the accommodation benefit, which is a certain amount that helps to cover and cover the cost of accommodation for a certain period of time.","start":1303.695,"end":1317.315,"sentiment":"neutral","sentiment_score":0.14867852452848834}],"sentiment":"neutral","sentiment_score":0.18282045293381088,"num_words":96,"start":1287.94,"end":1317.315},{"sentences":[{"text":"They cover if you have to travel for more than a 100 kilometers, so sometimes we might need to travel, you know, out out of state or into other areas to see certain specialists depending on what the diagnosis is.","start":1317.7949,"end":1328.895,"sentiment":"neutral","sentiment_score":0.048743575997650626},{"text":"After this after he turns age 21, the policy can be converted to a life with attached trauma policy.","start":1329.315,"end":1336.43,"sentiment":"neutral","sentiment_score":0.14961386119064532},{"text":"There's no additional underwriting for that.","start":1336.43,"end":1338.77,"sentiment":"neutral","sentiment_score":0.15352022647857666},{"text":"And, essentially, Oscar then becomes the policy holder of that policy.","start":1338.8301,"end":1343.0701,"sentiment":"neutral","sentiment_score":0.25432081385092303},{"text":"And because he's held at the time, it automatically transfers, and he just keeps paying the premium for it, which is kinda cool.","start":1343.0701,"end":1349.105,"sentiment":"positive","sentiment_score":0.3738567731950594}],"sentiment":"neutral","sentiment_score":0.17282588381056835,"num_words":99,"start":1317.7949,"end":1349.105},{"sentences":[{"text":"The other side of the policy, which I think is really awesome, is that if anything was to happen to you, we hope nothing ever does.","start":1350.4451,"end":1358.605,"sentiment":"positive","sentiment_score":0.35790593979450375},{"text":"But because you are the policy owner of these policies, if something happened to you, if you were to pass away, your life cover was fully paid out, the policy then becomes a standalone child trauma policy.","start":1358.605,"end":1370.9601,"sentiment":"neutral","sentiment_score":0.1856308625759305},{"text":"So long as he is over 10 years of age and your wife provides consent, he can then continue to hold the policy.","start":1371.5801,"end":1379.5851,"sentiment":"neutral","sentiment_score":0.13322931625272916},{"text":"If he's 10, it still stays as a a stand alone policy, but it just means that your wife looks after it for him.","start":1380.045,"end":1386.365,"sentiment":"neutral","sentiment_score":0.14452742971479893},{"text":"But it means that if you pass away, if something happens to yourself and the life cover paid out, the policy can remain for him so he does get that benefit long term.","start":1386.365,"end":1395.37,"sentiment":"neutral","sentiment_score":0.18666037104346536}],"sentiment":"neutral","sentiment_score":0.201864483785796,"num_words":143,"start":1350.4451,"end":1395.37},{"sentences":[{"text":"Okay?","start":1395.59,"end":1396.09,"sentiment":"neutral","sentiment_score":0.10498315095901488},{"text":"Yeah.","start":1397.4299,"end":1397.9299,"sentiment":"neutral","sentiment_score":-0.0965813845396042},{"text":"The risks involved with having, obviously, with all insurances, there is the bigger risk that if you have these policies and that you never actually claim on them and we get rid of them at some point or they just get to expiry age, the biggest risk is you could have them never have to claim.","start":1398.95,"end":1414.5549,"sentiment":"neutral","sentiment_score":-0.3051034611250673},{"text":"That's also the biggest benefit of the policies because as much as having the policies and having the money paid at is a good thing in the event of a claim, it also means that we've lost something.","start":1414.5549,"end":1425.38,"sentiment":"neutral","sentiment_score":0.17749837609498123},{"text":"There's some sort of negative, experience.","start":1425.38,"end":1428.04,"sentiment":"negative","sentiment_score":-0.38541605571905774}],"sentiment":"neutral","sentiment_score":-0.12397009901264135,"num_words":102,"start":1395.59,"end":1428.04},{"sentences":[{"text":"We've had some sort of a loss to be able to make that claim.","start":1428.18,"end":1431.3,"sentiment":"neutral","sentiment_score":-0.2377864345908165},{"text":"So it is a benefit and a risk of having these sorts of policies.","start":1431.3,"end":1435.2849,"sentiment":"neutral","sentiment_score":-0.18183136332247937},{"text":"Okay?","start":1435.6649,"end":1436.1649,"sentiment":"neutral","sentiment_score":0.067710280418396},{"text":"Beautiful.","start":1437.105,"end":1437.605,"sentiment":"positive","sentiment_score":0.6848888397216797},{"text":"As I mentioned, I did look at alternative options.","start":1438.465,"end":1440.705,"sentiment":"neutral","sentiment_score":0.132406079934703}],"sentiment":"neutral","sentiment_score":-0.10077936746753179,"num_words":39,"start":1428.18,"end":1440.705},{"sentences":[{"text":"That, I looked at standalone policies.","start":1440.705,"end":1442.465,"sentiment":"neutral","sentiment_score":0.10129092261195183},{"text":"I also looked at the life trauma and linking child trauma with other options.","start":1442.465,"end":1446.385,"sentiment":"neutral","sentiment_score":0.07821021814431463},{"text":"However, this was the best way to go.","start":1446.385,"end":1448.86,"sentiment":"neutral","sentiment_score":0.2566349282860756},{"text":"It's much easier for yourself and if your policy is already enforced, you don't wanna have to go through underwriting again, and the policy can just be added there.","start":1448.86,"end":1456.9401,"sentiment":"neutral","sentiment_score":0.3221029253869221},{"text":"It's nice and cost effective, which is important as well.","start":1456.9401,"end":1459.9,"sentiment":"positive","sentiment_score":0.625007638335228}],"sentiment":"neutral","sentiment_score":0.28875864530677225,"num_words":67,"start":1440.705,"end":1459.9},{"sentences":[{"text":"Okay.","start":1459.9,"end":1460.4,"sentiment":"neutral","sentiment_score":0.101523295044899},{"text":"Yeah.","start":1460.995,"end":1461.315,"sentiment":"neutral","sentiment_score":0.06843075156211853},{"text":"Do you have any questions so far?","start":1461.315,"end":1463.635,"sentiment":"neutral","sentiment_score":0.0492383028779711},{"text":"Is there anything you wanted me to touch further on?","start":1463.635,"end":1466.375,"sentiment":"neutral","sentiment_score":0.03348175752907991},{"text":"No.","start":1467.875,"end":1468.375,"sentiment":"neutral","sentiment_score":-0.17060500383377075}],"sentiment":"neutral","sentiment_score":0.03394173691049218,"num_words":20,"start":1459.9,"end":1468.375},{"sentences":[{"text":"Yeah.","start":1470.515,"end":1471.015,"sentiment":"neutral","sentiment_score":0.012601500377058985},{"text":"Yeah.","start":1472.0349,"end":1472.5349,"sentiment":"neutral","sentiment_score":-0.0056007662788033485},{"text":"Yeah.","start":1474.53,"end":1475.03,"sentiment":"neutral","sentiment_score":0.1102561503648758},{"text":"Yep.","start":1481.09,"end":1481.59,"sentiment":"neutral","sentiment_score":0.05916481837630272},{"text":"Absolutely.","start":1484.69,"end":1485.19,"sentiment":"neutral","sentiment_score":0.03953071683645248}],"sentiment":"neutral","sentiment_score":0.043190483935177326,"num_words":5,"start":1470.515,"end":1485.19},{"sentences":[{"text":"Absolutely.","start":1486.0549,"end":1486.5549,"sentiment":"neutral","sentiment_score":0.2861839532852173},{"text":"Absolutely.","start":1486.9349,"end":1487.4349,"sentiment":"positive","sentiment_score":0.46723300218582153},{"text":"It's a great policy.","start":1487.495,"end":1488.715,"sentiment":"positive","sentiment_score":0.7430945634841919},{"text":"It's nice and cost effective.","start":1488.855,"end":1490.235,"sentiment":"positive","sentiment_score":0.7197626233100891},{"text":"And even, like, before your your second son turns two, let's look at it closer too because worst case, we can always update the advice as your policies would have gone through a few renewals.","start":1491.1749,"end":1501.1399,"sentiment":"neutral","sentiment_score":0.0797844546181815}],"sentiment":"neutral","sentiment_score":0.21993617907814358,"num_words":46,"start":1486.0549,"end":1501.1399},{"sentences":[{"text":"So we might have to alter the amounts there, look at what they're costing, and see what your expenditure allows for.","start":1501.44,"end":1506.8999,"sentiment":"neutral","sentiment_score":0.05114384545456795},{"text":"So, sorry, we might be able to and need to alter the policies a little bit down the track there.","start":1507.6799,"end":1512.465,"sentiment":"neutral","sentiment_score":-0.010974251944571734},{"text":"So before he turns to, we can look at it together, update the advice, and really hone in on what we need to do to make it work for you guys.","start":1512.465,"end":1519.905,"sentiment":"neutral","sentiment_score":0.1546539309765062},{"text":"So you're not spending a fortune out of your back pocket because kids are expensive.","start":1519.905,"end":1524.325,"sentiment":"neutral","sentiment_score":-0.17056093066930772},{"text":"Let's be honest.","start":1524.385,"end":1525.365,"sentiment":"neutral","sentiment_score":-0.08653456221024196}],"sentiment":"neutral","sentiment_score":0.031453221436176036,"num_words":90,"start":1501.44,"end":1525.365},{"sentences":[{"text":"Those are expensive, aren't they?","start":1529.57,"end":1531.25,"sentiment":"neutral","sentiment_score":-0.2060653507709503},{"text":"That's insane.","start":1531.25,"end":1531.99,"sentiment":"negative","sentiment_score":-0.3468969166278839},{"text":"Oh, but no.","start":1534.7699,"end":1535.6499,"sentiment":"neutral","sentiment_score":-0.0755165343483289},{"text":"It's honestly all we'll definitely look down the track to help you out with that aspect.","start":1535.6499,"end":1539.51,"sentiment":"neutral","sentiment_score":0.07651184254791588},{"text":"I'll let you read through this one, take it all in, and let me know if you do have any questions there.","start":1539.73,"end":1545.175,"sentiment":"neutral","sentiment_score":0.2859620526432991}],"sentiment":"neutral","sentiment_score":0.115930926015911,"num_words":48,"start":1529.57,"end":1545.175},{"sentences":[{"text":"I've also just backed in the estate planning side of things as well.","start":1545.175,"end":1548.555,"sentiment":"positive","sentiment_score":0.37670620817404527},{"text":"You do have your beneficiaries on file.","start":1548.615,"end":1550.4551,"sentiment":"neutral","sentiment_score":0.23970277394567216},{"text":"You were comfortable with those, but one of the things we'd talk about was not having a will and power of attorney.","start":1550.4551,"end":1555.435,"sentiment":"neutral","sentiment_score":0.04418822801248594},{"text":"So having your second child now with your life changing, having your will drawn up is really important.","start":1556.16,"end":1561.12,"sentiment":"neutral","sentiment_score":0.12391386346684562},{"text":"So I've added that in there that we are recommending you do have a will and power of attorney, just making sure everything is in line with your wishes.","start":1561.12,"end":1567.4601,"sentiment":"neutral","sentiment_score":0.25073272555038845}],"sentiment":"neutral","sentiment_score":0.19156112048900528,"num_words":89,"start":1545.175,"end":1567.4601},{"sentences":[{"text":"I can, if you like, send out.","start":1567.92,"end":1569.2001,"sentiment":"neutral","sentiment_score":0.10527518391609192},{"text":"I don't know if anyone sent out to you yet, and I hope someone has.","start":1569.2001,"end":1572.145,"sentiment":"neutral","sentiment_score":0.013746947996939223},{"text":"Did you receive the email with the solicitor's information from the annual review?","start":1572.145,"end":1575.925,"sentiment":"neutral","sentiment_score":0.01734109652730135},{"text":"Yep.","start":1583.76,"end":1584.26,"sentiment":"neutral","sentiment_score":0.058171819895505905},{"text":"Perfect.","start":1584.3201,"end":1584.8201,"sentiment":"positive","sentiment_score":0.4610668420791626}],"sentiment":"neutral","sentiment_score":0.04561630876206264,"num_words":37,"start":1567.92,"end":1584.8201},{"sentences":[{"text":"Yep.","start":1587.8401,"end":1588.3201,"sentiment":"neutral","sentiment_score":0.3099721074104309},{"text":"Perfect.","start":1588.3201,"end":1588.8201,"sentiment":"positive","sentiment_score":0.5867387056350708},{"text":"Perfect.","start":1588.88,"end":1589.28,"sentiment":"positive","sentiment_score":0.5664341449737549},{"text":"Yeah.","start":1589.28,"end":1589.52,"sentiment":"positive","sentiment_score":0.3910143971443176},{"text":"Just doing those up when you are ready to do so.","start":1589.52,"end":1592.24,"sentiment":"positive","sentiment_score":0.4372273358431729}],"sentiment":"positive","sentiment_score":0.4442440032958984,"num_words":15,"start":1587.8401,"end":1592.24},{"sentences":[{"text":"Just provide the extra layer of protection for yourself, your family, your kids.","start":1592.24,"end":1595.775,"sentiment":"positive","sentiment_score":0.4496374588746291},{"text":"And there's so many good things you can do with the will to make sure your family is set up, make sure there's trust structures, and the assets are sold as to your wishes, and guardianship if something happened to yourself and and Rhiannon as well.","start":1595.775,"end":1606.8151,"sentiment":"positive","sentiment_score":0.34198911455662356},{"text":"So it's just yeah.","start":1606.8151,"end":1608.115,"sentiment":"neutral","sentiment_score":0.05554270185530186},{"text":"Those sort of things are hard conversations to have, but they are really important at the same time.","start":1608.2,"end":1612.62,"sentiment":"neutral","sentiment_score":0.07094029275079568},{"text":"So yeah.","start":1612.68,"end":1615.0,"sentiment":"neutral","sentiment_score":0.2974211946129799}],"sentiment":"neutral","sentiment_score":0.2851894542305584,"num_words":83,"start":1592.24,"end":1615.0},{"sentences":[{"text":"All good.","start":1615.0,"end":1615.82,"sentiment":"positive","sentiment_score":0.5247143805027008},{"text":"So I've got those in there for you.","start":1616.68,"end":1618.44,"sentiment":"positive","sentiment_score":0.4139155372977257},{"text":"Now the advice, as I mentioned, there's no cost to the advice, no implementation cost at all.","start":1618.44,"end":1623.165,"sentiment":"neutral","sentiment_score":0.2655264700160307},{"text":"We do receive remuneration from the insurance companies for the insurances we do recommend.","start":1623.485,"end":1628.2251,"sentiment":"positive","sentiment_score":0.3514330450977598},{"text":"So I do have in here on page 37 for you the updated remuneration because adding the child trauma policy means that we will do receive 66% of the first year's premium.","start":1628.285,"end":1638.7051,"sentiment":"neutral","sentiment_score":0.30722783179953694}],"sentiment":"neutral","sentiment_score":0.3236446068303226,"num_words":73,"start":1615.0,"end":1638.7051},{"sentences":[{"text":"Based on the total cost over the year, it's expected to be about $98.","start":1639.19,"end":1643.21,"sentiment":"neutral","sentiment_score":-0.0003958268623266899},{"text":"The advice I'm providing is in your best interest to meet your goals.","start":1643.67,"end":1646.79,"sentiment":"neutral","sentiment_score":0.25001637236430097},{"text":"That's why I haven't gone with the highest cost one pass highest cost trauma policy.","start":1646.79,"end":1651.21,"sentiment":"neutral","sentiment_score":-0.08681236704190572},{"text":"We wanna make sure it's cost effective for you.","start":1651.445,"end":1653.365,"sentiment":"positive","sentiment_score":0.41339027881622314},{"text":"It's working for you.","start":1653.365,"end":1654.505,"sentiment":"positive","sentiment_score":0.5869735926389694}],"sentiment":"neutral","sentiment_score":0.1456525934352116,"num_words":55,"start":1639.19,"end":1654.505},{"sentences":[{"text":"And the remuneration is just another aspect we like to disclose.","start":1654.8049,"end":1658.005,"sentiment":"neutral","sentiment_score":0.12404515255581249},{"text":"It has no effect on my recommendations in any way, shape, or form.","start":1658.005,"end":1661.705,"sentiment":"neutral","sentiment_score":0.022563900225437604},{"text":"And then the ongoing remuneration for all policies is 22%.","start":1663.205,"end":1666.89,"sentiment":"neutral","sentiment_score":0.10161626935005189},{"text":"They're ongoing.","start":1666.89,"end":1667.7101,"sentiment":"neutral","sentiment_score":0.09060967713594437},{"text":"We have added on the remuneration ongoing side.","start":1668.01,"end":1670.41,"sentiment":"neutral","sentiment_score":0.11672991141676903}],"sentiment":"neutral","sentiment_score":0.08611474363979968,"num_words":44,"start":1654.8049,"end":1670.41},{"sentences":[{"text":"It's a combination of all your one part policies together.","start":1670.41,"end":1673.6901,"sentiment":"neutral","sentiment_score":0.13501246571540831},{"text":"So it is expected to be $7.97 for the year based on 22% of your total premium cost and not on just the cost of the child trauma, just to hear what excellent.","start":1673.6901,"end":1687.885,"sentiment":"neutral","sentiment_score":0.09206360759157123},{"text":"There's no setup or implementation fees and charge for us for the services.","start":1688.505,"end":1692.3451,"sentiment":"neutral","sentiment_score":0.22205654990214568},{"text":"You're an ongoing service client.","start":1692.3451,"end":1693.62,"sentiment":"neutral","sentiment_score":0.1754005640745163},{"text":"You're paying ongoing service fee of 1.65% per annum.","start":1693.62,"end":1697.14,"sentiment":"neutral","sentiment_score":0.16788624144262737}],"sentiment":"neutral","sentiment_score":0.13804196928228651,"num_words":70,"start":1670.41,"end":1697.14},{"sentences":[{"text":"So we obviously wanna make sure that this is looking after you.","start":1697.14,"end":1700.74,"sentiment":"neutral","sentiment_score":0.19222295532623926},{"text":"I actually think this is you're on 1.1.","start":1700.74,"end":1703.46,"sentiment":"neutral","sentiment_score":0.001596985850483179},{"text":"So sorry.","start":1703.46,"end":1703.86,"sentiment":"neutral","sentiment_score":-0.026410462334752083},{"text":"There is a typo there.","start":1703.86,"end":1705.155,"sentiment":"neutral","sentiment_score":-0.054008524119853976},{"text":"This document automates the 1.65%, but you're on 1.1% because you're Maddie's brother.","start":1706.115,"end":1711.875,"sentiment":"neutral","sentiment_score":0.04854143067048146}],"sentiment":"neutral","sentiment_score":0.06569066010415554,"num_words":40,"start":1697.14,"end":1711.875},{"sentences":[{"text":"So it's not an issue.","start":1711.875,"end":1714.275,"sentiment":"neutral","sentiment_score":0.09614298045635224},{"text":"It's over disclosed in the advice document, which is fine as long as your ongoing service agreement is correct, and that is correct because I just checked it then.","start":1714.275,"end":1721.6699,"sentiment":"neutral","sentiment_score":0.12637113908241535},{"text":"So I just wanted to make sure you're aware that's what it says.","start":1721.6699,"end":1725.59,"sentiment":"neutral","sentiment_score":-0.04893194826749655},{"text":"It's just the standard with most of our clients that you're obviously on a discounted rate for that one.","start":1725.59,"end":1730.57,"sentiment":"neutral","sentiment_score":0.04330654604066359},{"text":"If you want, I'm happy to go and update that for you to reflect before you read it.","start":1730.71,"end":1734.7899,"sentiment":"neutral","sentiment_score":0.11692571764190991}],"sentiment":"neutral","sentiment_score":0.07662916548239689,"num_words":84,"start":1711.875,"end":1734.7899},{"sentences":[{"text":"Do you want me to change that ongoing service percentage for you?","start":1734.7899,"end":1738.355,"sentiment":"neutral","sentiment_score":-0.07695443804065387},{"text":"It's not?","start":1738.355,"end":1739.015,"sentiment":"neutral","sentiment_score":-0.08889196813106537},{"text":"You sure?","start":1739.475,"end":1740.215,"sentiment":"neutral","sentiment_score":-0.041947076097130775},{"text":"Okay.","start":1740.6749,"end":1741.1749,"sentiment":"neutral","sentiment_score":-0.027968399226665497},{"text":"Beautiful.","start":1742.755,"end":1743.255,"sentiment":"positive","sentiment_score":0.7414990663528442}],"sentiment":"neutral","sentiment_score":-0.026200037656558886,"num_words":18,"start":1734.7899,"end":1743.255},{"sentences":[{"text":"Look.","start":1747.235,"end":1747.735,"sentiment":"neutral","sentiment_score":0.26027342677116394},{"text":"Gotta look after you, honestly.","start":1747.7949,"end":1749.235,"sentiment":"neutral","sentiment_score":0.21681508421897888},{"text":"She sits behind me and can hear all my conversations, so she'll tell me if I stuff up something.","start":1749.235,"end":1754.35,"sentiment":"neutral","sentiment_score":0.12037539325262371},{"text":"No.","start":1757.21,"end":1757.61,"sentiment":"neutral","sentiment_score":0.0038025230169296265},{"text":"All good.","start":1757.61,"end":1758.1699,"sentiment":"neutral","sentiment_score":0.1437668725848198}],"sentiment":"neutral","sentiment_score":0.1401006281375885,"num_words":28,"start":1747.235,"end":1758.1699},{"sentences":[{"text":"But I will let you go and have a bit of a read through that, take it in.","start":1758.1699,"end":1761.0499,"sentiment":"neutral","sentiment_score":0.14598274810446632},{"text":"If there's anything that you had questions on wanting me to update or clarify, please let me know.","start":1761.0499,"end":1765.95,"sentiment":"neutral","sentiment_score":0.16587108621994653},{"text":"Wanna make sure that, obviously, you're looked after, that we're providing the value of our services, and that we're here to help you and to meet all of your goals.","start":1766.365,"end":1772.705,"sentiment":"positive","sentiment_score":0.4526107038060824},{"text":"So, yeah, that's basically the advice.","start":1772.845,"end":1776.065,"sentiment":"neutral","sentiment_score":0.0912508312612772},{"text":"Perfect.","start":1779.65,"end":1780.13,"sentiment":"positive","sentiment_score":0.483257919549942}],"sentiment":"neutral","sentiment_score":0.2770199046457467,"num_words":73,"start":1758.1699,"end":1780.13},{"sentences":[{"text":"Perfect.","start":1780.13,"end":1780.63,"sentiment":"positive","sentiment_score":0.5834763050079346},{"text":"If you decide to take on all of that, how implementation should go is you sign the document, you send it back to us.","start":1780.69,"end":1786.47,"sentiment":"neutral","sentiment_score":0.2898399985084931},{"text":"We'll start by the investment switch, and then we'll book you in with our admin team start to go through the application for the child trauma policy, have it submitted off, and organized for that to be linked to the other policies to make it nice and easy.","start":1786.61,"end":1798.805,"sentiment":"neutral","sentiment_score":0.2954525649547577},{"text":"Okay.","start":1798.865,"end":1799.365,"sentiment":"neutral","sentiment_score":0.302754282951355},{"text":"Very easy implementation.","start":1799.505,"end":1800.725,"sentiment":"positive","sentiment_score":0.4816174308458964}],"sentiment":"neutral","sentiment_score":0.30479176574713224,"num_words":77,"start":1780.13,"end":1800.725},{"sentences":[{"text":"Yeah.","start":1801.265,"end":1801.585,"sentiment":"neutral","sentiment_score":0.10285644233226776},{"text":"Of course.","start":1801.585,"end":1802.245,"sentiment":"neutral","sentiment_score":0.03038849215954542},{"text":"Yeah.","start":1802.64,"end":1803.14,"sentiment":"neutral","sentiment_score":0.000894082710146904},{"text":"Mhmm.","start":1809.52,"end":1810.02,"sentiment":"neutral","sentiment_score":-0.006927406881004572},{"text":"Yep.","start":1810.08,"end":1810.58,"sentiment":"neutral","sentiment_score":-0.0025141569785773754}],"sentiment":"neutral","sentiment_score":0.025847657583653927,"num_words":6,"start":1801.265,"end":1810.58},{"sentences":[{"text":"You you absolutely can.","start":1810.64,"end":1815.38,"sentiment":"neutral","sentiment_score":0.02363260369747877},{"text":"There's nothing wrong with you holding a policy for her.","start":1816.035,"end":1818.755,"sentiment":"neutral","sentiment_score":-0.022739166766405104},{"text":"However, it is probably that it's for her to hold her own policy.","start":1818.755,"end":1821.895,"sentiment":"neutral","sentiment_score":-0.05846035423187109},{"text":"She's not working at the moment, is she?","start":1823.0751,"end":1825.175,"sentiment":"neutral","sentiment_score":-0.13227464072406292},{"text":"No.","start":1825.9551,"end":1826.1951,"sentiment":"neutral","sentiment_score":-0.17267000675201416}],"sentiment":"neutral","sentiment_score":-0.05899202751202716,"num_words":36,"start":1810.64,"end":1826.1951},{"sentences":[{"text":"That's okay.","start":1826.1951,"end":1827.0751,"sentiment":"neutral","sentiment_score":-0.13168682157993317},{"text":"So we can just provide it I know because she might have super somewhere else, but when she's not working, it's sort of not really worth looking at a super.","start":1827.0751,"end":1833.61,"sentiment":"neutral","sentiment_score":-0.13107408136129378},{"text":"But we can do advice for insurance only.","start":1833.61,"end":1836.19,"sentiment":"neutral","sentiment_score":-0.05250549456104636},{"text":"So if she does wanna look at, like, a life policy or something like that while she's not working, it's hard to kind of look at income protection or TBD, but we can look at life and trauma policies for her.","start":1836.65,"end":1847.8049,"sentiment":"neutral","sentiment_score":-0.04132836675498544},{"text":"We can also look at maybe home duties TBD, which essentially means that if she's not able to do her home duties due to something, that the money can be used to have cleaners and childcare and things like that set up.","start":1848.265,"end":1863.11,"sentiment":"neutral","sentiment_score":0.03652021266697418}],"sentiment":"neutral","sentiment_score":-0.038831334515679175,"num_words":123,"start":1826.1951,"end":1863.11},{"sentences":[{"text":"And you can get home duties, occupation, TBD.","start":1863.1699,"end":1866.1499,"sentiment":"neutral","sentiment_score":0.07408853713423014},{"text":"So we can absolutely look at those sorts of options for her if she would like to.","start":1866.61,"end":1871.1749,"sentiment":"neutral","sentiment_score":0.2653374579899451},{"text":"I'm happy to help her out and have that conversation initially, talk about what we do and how it works, and provide advice for insurance only.","start":1871.1749,"end":1879.755,"sentiment":"positive","sentiment_score":0.4415588780091359},{"text":"If that's the case, there's no ongoing fees for us doing that.","start":1879.8949,"end":1882.9349,"sentiment":"neutral","sentiment_score":0.23729678615927696},{"text":"We receive remuneration from insurances for from insurance companies for the insurances that we set up, and we can have it set up to be paid out of pocket or out of super depending on what she sort of wants, what her structure, and what your life allows for at the same time.","start":1882.9349,"end":1896.5599,"sentiment":"neutral","sentiment_score":0.22575173091213657}],"sentiment":"neutral","sentiment_score":0.27065844037409487,"num_words":116,"start":1863.1699,"end":1896.5599},{"sentences":[{"text":"So but that's absolutely possible.","start":1896.5599,"end":1898.8999,"sentiment":"neutral","sentiment_score":0.20919292867183686},{"text":"Yeah.","start":1899.575,"end":1900.075,"sentiment":"neutral","sentiment_score":0.0766398161649704},{"text":"Yep.","start":1902.375,"end":1902.875,"sentiment":"neutral","sentiment_score":0.0677632987499237},{"text":"Yeah.","start":1905.095,"end":1905.415,"sentiment":"neutral","sentiment_score":0.1849021464586258},{"text":"Absolutely.","start":1905.415,"end":1905.915,"sentiment":"positive","sentiment_score":0.334516316652298}],"sentiment":"neutral","sentiment_score":0.1899762468205558,"num_words":9,"start":1896.5599,"end":1905.915},{"sentences":[{"text":"We can sort of make it up even if she wants to have a chat to us first, myself or Maddie look at what we do, how it works, what we can sort of help her with.","start":1906.295,"end":1913.515,"sentiment":"neutral","sentiment_score":0.24538179144666},{"text":"We can work to, you know, work as slow or as fast as she sort of needs us to.","start":1913.84,"end":1918.58,"sentiment":"neutral","sentiment_score":0.15513118787815697},{"text":"But, yeah, have a chat to her and see if she wants to look at doing that.","start":1918.88,"end":1921.76,"sentiment":"neutral","sentiment_score":0.23553994122673483},{"text":"I'm more than happy to assist and help out in that area.","start":1921.76,"end":1924.56,"sentiment":"positive","sentiment_score":0.6264601498842239},{"text":"So, yeah, not a problem at all.","start":1924.56,"end":1926.405,"sentiment":"positive","sentiment_score":0.3735517178262983}],"sentiment":"neutral","sentiment_score":0.284382409537616,"num_words":92,"start":1906.295,"end":1926.405},{"sentences":[{"text":"Easy.","start":1928.3251,"end":1928.8251,"sentiment":"positive","sentiment_score":0.6845578551292419},{"text":"Beautiful.","start":1928.885,"end":1929.385,"sentiment":"positive","sentiment_score":0.782749354839325},{"text":"That's everything I needed to touch base on.","start":1930.245,"end":1932.485,"sentiment":"positive","sentiment_score":0.5756479278206825},{"text":"I don't wanna sort of take up too much of your time because you've got your beautiful son there, and you're in your bubble of newborn.","start":1932.485,"end":1938.025,"sentiment":"neutral","sentiment_score":0.0973426797069036},{"text":"Did you wanna just take some time to have her read through that document?","start":1939.3,"end":1942.5,"sentiment":"neutral","sentiment_score":0.09410963992455176}],"sentiment":"neutral","sentiment_score":0.19841870527714492,"num_words":50,"start":1928.3251,"end":1942.5},{"sentences":[{"text":"Like, come back and let me know if you have any questions, and I'll shoot you an email now as well so you've got my email in your inbox.","start":1942.5,"end":1948.2001,"sentiment":"neutral","sentiment_score":0.24259304101097173},{"text":"Okay.","start":1948.5801,"end":1949.0801,"sentiment":"neutral","sentiment_score":0.11627758294343948},{"text":"Beautiful.","start":1950.9951,"end":1951.4751,"sentiment":"positive","sentiment_score":0.6742807626724243},{"text":"Thank you so much for your time, Tyler.","start":1951.4751,"end":1953.395,"sentiment":"positive","sentiment_score":0.7437585592269897},{"text":"I'm so excited for you guys.","start":1953.395,"end":1955.5751,"sentiment":"positive","sentiment_score":0.7972687582174937}],"sentiment":"positive","sentiment_score":0.4124319457345539,"num_words":45,"start":1942.5,"end":1955.5751},{"sentences":[{"text":"Alright.","start":1958.3551,"end":1958.8551,"sentiment":"positive","sentiment_score":0.3610230684280395},{"text":"Anytime.","start":1959.2351,"end":1959.7351,"sentiment":"neutral","sentiment_score":0.3313646912574768},{"text":"I'll let you go.","start":1959.875,"end":1960.5951,"sentiment":"positive","sentiment_score":0.5215897262096405},{"text":"You have an amazing day, and let me know if there's anything you need or any questions that you have in relation to that.","start":1960.5951,"end":1964.9951,"sentiment":"positive","sentiment_score":0.5925871481498083},{"text":"It doesn't matter what it might be.","start":1964.9951,"end":1969.1067,"sentiment":"neutral","sentiment_score":0.21131723480565207}],"sentiment":"positive","sentiment_score":0.49946105037186594,"num_words":37,"start":1958.3551,"end":1969.1067},{"sentences":[{"text":"Okay?","start":1969.1133,"end":1969.6133,"sentiment":"positive","sentiment_score":0.3483167290687561},{"text":"Wonderful.","start":1969.62,"end":1970.12,"sentiment":"positive","sentiment_score":0.7857860326766968},{"text":"Thank you so much for your time.","start":1970.18,"end":1971.54,"sentiment":"positive","sentiment_score":0.8334088836397443},{"text":"Have a good afternoon.","start":1971.54,"end":1972.52,"sentiment":"positive","sentiment_score":0.6873895227909088},{"text":"See you later.","start":1973.86,"end":1974.5801,"sentiment":"neutral","sentiment_score":0.31717513998349506}],"sentiment":"positive","sentiment_score":0.6668155286461115,"num_words":16,"start":1969.1133,"end":1974.5801},{"sentences":[{"text":"Bye.","start":1974.5801,"end":1975.0801,"sentiment":"neutral","sentiment_score":0.18935756385326383}],"sentiment":"neutral","sentiment_score":0.18935756385326383,"num_words":1,"start":1974.5801,"end":1975.0801}]}}]},{"alternatives":[{"transcript":"Hello? Good, Dana. How are you? Yep. Yeah. Of course. Yep. Would very good. Yeah. Our our son arrived two weeks. Is it two weeks? A week and a bit ago now. So thanks. So yes. Yeah. So that's all happened now. So, yeah. It's pretty wild. It's very wild. Bit sleep deprived, a bit of this, bit of that. Yeah. That's no. That's exactly right. Yeah. Yep. No. That's alright. No. What's Yeah. Tyler Steven Follett. The twentieth of the third nineteen ninety three and eighteen slash twenty four Caddington Place, Helensvale. My my emails are browsing for some reason. I've seen that pop up on circles. See if I can It's because I got one bar once. Mhmm. Yeah. Yep. No. Just run through it, and then we can and then I can review it. Yeah. Yeah. Yeah. It takes a free time when I'm at home. That's for sure. Yeah. Yeah. That's exactly right. Yep. Yep. Okay. Yeah. Not a problem at all. Yes. Thank you, Connolly. That's when you're, like, oh, you can email me tomorrow. I was thinking in my head that I probably won't. Yeah. Of course. Yeah. I gotcha. Yeah. I will. I will. I got the dials, so that's a plus. Yep. Yeah. Mhmm. Yeah. Yeah. I was saying that. Yep. Yep. Yeah. Yep. Yep. Yeah. Sway. Yeah. Okay. No worries. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yes. Correct. Yep. Yeah. Righty o. Yeah. Yes. Yeah. Yeah. Okay. Yep. Yeah. Yep. Yeah. Gotcha. Yeah. Yeah. Yep. Yeah. Yeah. Yep. It does. Mhmm. Yeah. Yeah. Sweet. Yeah. Yeah. Of course. Yeah. No. I understand. Skype out loud. Okay. Yep. Yeah. Yep. Okay. And that's indexed too. So as his life goes on and gets yeah. Okay. Yeah. Yeah. Yep. Yeah. Yeah. So it's better to it is it is better to do it now because he has no underwriting. Right? Because he's well, he's he's too he's he hasn't been in had any conditions. Let's put it that way. Yeah. Yeah. Yeah. No. Sure. Yep. Yeah. Yeah. Yep. No. That's alright. Neither am I. It makes sense anyway. Yeah. Yeah. Yeah. Yeah. That's okay. Yes. Yeah. Yep. Yep. Cool. Yeah. Yeah. Yeah. Yeah. Gotcha. Yep. Yep. Yeah. Yeah. Yeah. Yeah. Yeah. True. No. No. That's that's all pretty well. Like, that coming out pretty cost effective. I mean, nothing that's that's nothing really. I do I mean, I do it do it for him. And then when the new boy's he's two, I'll do the same. And then, yeah, I'll just keep adding adding on to mine. Yeah. Yeah. They are. Yeah. That's at least two boxes of nappies so far. Yeah. Easy. Yeah. Yeah. I can't I can't remember, but that's alright. If I need a solicitor, I've I've I've got one. I've used one before, so I've used them again. Yeah. Yeah. Exactly right. Mhmm. Okay. Yeah. Yeah. Yeah. Daisy. Yeah. I'll know. No. Easy. That's okay. Yeah. No. I'm not. That's that's that's like that's okay. I know. Yeah. I know what's going on. The perks have been Madison's brother. Yeah. A z diamond. Not a z. Yep. Easy. And one one other question is if I was to could I add a policy for Rhiannon? Or does Rhiannon need to add a policy for herself? No. Yeah. It is. Yeah. Okay. Yeah. Okay. Yeah. Yeah. Yes. Yeah. I might yeah. I might, yeah, I might have a I'll have her speak to her and say what she wants to do, but it's probably not a bad idea. Yep. Easy. Okay. Easy done. Yep. Easy. No. Why is that all? Alright. Well, thank you. Thank you kindly. Thanks for the call. Alright. No worries at all. Appreciate it. Alright. You too. See you. Bye bye.","confidence":0.95946264,"words":[{"word":"hello","start":1.8399999,"end":2.34,"confidence":0.9774999,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.02896818518638611},{"word":"good","start":7.2,"end":7.6,"confidence":0.60720325,"punctuated_word":"Good,","sentiment":"positive","sentiment_score":0.492125391960144},{"word":"dana","start":7.6,"end":8.0,"confidence":0.8833539,"punctuated_word":"Dana.","sentiment":"positive","sentiment_score":0.4235015511512756},{"word":"how","start":8.0,"end":8.16,"confidence":0.9997739,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.35487908124923706},{"word":"are","start":8.16,"end":8.32,"confidence":0.9998747,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.3136464059352875},{"word":"you","start":8.32,"end":8.82,"confidence":0.9997942,"punctuated_word":"you?","sentiment":"positive","sentiment_score":0.3622104525566101},{"word":"yep","start":13.92,"end":14.42,"confidence":0.9966907,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22836518287658691},{"word":"yeah","start":15.264999,"end":15.585,"confidence":0.90040714,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09473824501037598},{"word":"of","start":15.585,"end":15.745,"confidence":0.9911561,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.11642372608184814},{"word":"course","start":15.745,"end":16.225,"confidence":0.99940985,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.16817015409469604},{"word":"yep","start":16.225,"end":16.725,"confidence":0.8260474,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.19286048412323},{"word":"would","start":19.505,"end":19.825,"confidence":0.28025714,"punctuated_word":"Would","sentiment":"positive","sentiment_score":0.5150206685066223},{"word":"very","start":19.985,"end":20.305,"confidence":0.7800606,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.5277623534202576},{"word":"good","start":20.305,"end":20.805,"confidence":0.9928911,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.42051398754119873},{"word":"yeah","start":25.105,"end":25.605,"confidence":0.6464552,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05741399526596069},{"word":"our","start":26.465,"end":26.705,"confidence":0.23703277,"punctuated_word":"Our","sentiment":"neutral","sentiment_score":0.07377873361110687},{"word":"our","start":26.705,"end":26.865,"confidence":0.54633397,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.09330496937036514},{"word":"son","start":26.865,"end":27.185,"confidence":0.78324807,"punctuated_word":"son","sentiment":"neutral","sentiment_score":0.10285477340221404},{"word":"arrived","start":27.185,"end":27.685,"confidence":0.96235687,"punctuated_word":"arrived","sentiment":"neutral","sentiment_score":0.10766046494245528},{"word":"two","start":27.825,"end":28.064999,"confidence":0.99292576,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0782996341586113},{"word":"weeks","start":28.064999,"end":28.5,"confidence":0.9726313,"punctuated_word":"weeks.","sentiment":"neutral","sentiment_score":0.07022618502378464},{"word":"is","start":28.58,"end":28.82,"confidence":0.9871678,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.0372249037027359},{"word":"it","start":28.82,"end":28.98,"confidence":0.99537575,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05038735270500183},{"word":"two","start":28.98,"end":29.22,"confidence":0.9887233,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.04443453252315521},{"word":"weeks","start":29.22,"end":29.7,"confidence":0.85827863,"punctuated_word":"weeks?","sentiment":"neutral","sentiment_score":0.05830448865890503},{"word":"a","start":29.7,"end":29.86,"confidence":0.6257571,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.09496910125017166},{"word":"week","start":29.86,"end":30.1,"confidence":0.99471813,"punctuated_word":"week","sentiment":"neutral","sentiment_score":0.06461317092180252},{"word":"and","start":30.1,"end":30.26,"confidence":0.97276163,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.055722273886203766},{"word":"a","start":30.26,"end":30.34,"confidence":0.99569464,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10140663385391235},{"word":"bit","start":30.34,"end":30.58,"confidence":0.9697833,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.10121606290340424},{"word":"ago","start":30.58,"end":30.82,"confidence":0.9909251,"punctuated_word":"ago","sentiment":"neutral","sentiment_score":0.09872879087924956},{"word":"now","start":30.82,"end":31.32,"confidence":0.8919223,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.1604616641998291},{"word":"so","start":31.619999,"end":32.12,"confidence":0.63210714,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.24224527180194855},{"word":"thanks","start":33.86,"end":34.36,"confidence":0.39357692,"punctuated_word":"thanks.","sentiment":"positive","sentiment_score":0.38552114367485046},{"word":"so","start":34.66,"end":35.16,"confidence":0.63149697,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1576070487499237},{"word":"yes","start":35.7,"end":36.2,"confidence":0.97987384,"punctuated_word":"yes.","sentiment":"neutral","sentiment_score":0.241280198097229},{"word":"yeah","start":39.059998,"end":39.559998,"confidence":0.99563384,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4296315312385559},{"word":"so","start":41.22,"end":41.46,"confidence":0.92343336,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2514679431915283},{"word":"that's","start":41.46,"end":41.86,"confidence":0.9478075,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.28734180331230164},{"word":"all","start":41.86,"end":42.1,"confidence":0.8167807,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.18420647084712985},{"word":"happened","start":42.1,"end":42.5,"confidence":0.71613526,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":0.2718922197818756},{"word":"now","start":42.5,"end":42.9,"confidence":0.9631636,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.2725766897201538},{"word":"so","start":42.9,"end":43.4,"confidence":0.65378475,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.2583189606666565},{"word":"yeah","start":45.845,"end":46.345,"confidence":0.98591316,"punctuated_word":"yeah.","sentiment":"positive","sentiment_score":0.4249350428581238},{"word":"it's","start":48.445,"end":48.945,"confidence":0.8061479,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.11072759330272676},{"word":"pretty","start":51.045,"end":51.364998,"confidence":0.99783605,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.05391925945878029},{"word":"wild","start":51.364998,"end":51.864998,"confidence":0.9451132,"punctuated_word":"wild.","sentiment":"neutral","sentiment_score":0.10829375684261322},{"word":"it's","start":51.925,"end":52.425,"confidence":0.7857724,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.11801367253065108},{"word":"very","start":54.405,"end":54.725,"confidence":0.53742725,"punctuated_word":"very","sentiment":"neutral","sentiment_score":0.08509984612464905},{"word":"wild","start":54.725,"end":55.225,"confidence":0.99165106,"punctuated_word":"wild.","sentiment":"neutral","sentiment_score":0.196828693151474},{"word":"bit","start":56.485,"end":56.91,"confidence":0.44352,"punctuated_word":"Bit","sentiment":"neutral","sentiment_score":-0.016424614936113358},{"word":"sleep","start":57.15,"end":57.39,"confidence":0.71399295,"punctuated_word":"sleep","sentiment":"neutral","sentiment_score":-0.12452417612075806},{"word":"deprived","start":57.39,"end":57.87,"confidence":0.8096187,"punctuated_word":"deprived,","sentiment":"neutral","sentiment_score":-0.17571714520454407},{"word":"a","start":57.87,"end":58.03,"confidence":0.8718803,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.15334011614322662},{"word":"bit","start":58.03,"end":58.27,"confidence":0.9972922,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1567763239145279},{"word":"of","start":58.27,"end":58.43,"confidence":0.99580574,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15356437861919403},{"word":"this","start":58.43,"end":58.59,"confidence":0.9915943,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":-0.11903542280197144},{"word":"bit","start":58.59,"end":58.829998,"confidence":0.6153727,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.060313403606414795},{"word":"of","start":58.829998,"end":58.989998,"confidence":0.9990889,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.05570344254374504},{"word":"that","start":58.989998,"end":59.489998,"confidence":0.9768902,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.10664809495210648},{"word":"yeah","start":61.95,"end":62.45,"confidence":0.9388977,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.028321968391537663},{"word":"that's","start":64.67,"end":65.17,"confidence":0.96844196,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.006504780612885952},{"word":"no","start":66.43,"end":66.75,"confidence":0.9576085,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.021231533959507946},{"word":"that's","start":66.75,"end":67.07,"confidence":0.99873775,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.029290422797203064},{"word":"exactly","start":67.07,"end":67.57,"confidence":0.9959776,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.009130772203207016},{"word":"right","start":67.71,"end":68.21,"confidence":0.99391973,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.013812202960252762},{"word":"yeah","start":70.35,"end":70.85,"confidence":0.97217786,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1016828715801239},{"word":"yep","start":77.275,"end":77.775,"confidence":0.9510102,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04103086143732071},{"word":"no","start":89.53,"end":89.77,"confidence":0.930119,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1107966974377632},{"word":"that's","start":89.77,"end":90.25,"confidence":0.93848747,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.10787856578826904},{"word":"alright","start":90.25,"end":90.649994,"confidence":0.990435,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":-0.07022198289632797},{"word":"no","start":90.649994,"end":90.89,"confidence":0.5835741,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05242440477013588},{"word":"what's","start":90.89,"end":91.39,"confidence":0.68099815,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":-0.024753807112574577},{"word":"yeah","start":100.965,"end":101.465,"confidence":0.782537,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08347901701927185},{"word":"tyler","start":108.884995,"end":109.365,"confidence":0.5812014,"punctuated_word":"Tyler","sentiment":"neutral","sentiment_score":0.009249426424503326},{"word":"steven","start":109.365,"end":109.865,"confidence":0.65330315,"punctuated_word":"Steven","sentiment":"neutral","sentiment_score":0.009908780455589294},{"word":"follett","start":109.924995,"end":110.405,"confidence":0.78084975,"punctuated_word":"Follett.","sentiment":"neutral","sentiment_score":0.011703751981258392},{"word":"the","start":110.405,"end":110.725,"confidence":0.97294587,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.006241315975785255},{"word":"twentieth","start":110.725,"end":111.205,"confidence":0.9667131,"punctuated_word":"twentieth","sentiment":"neutral","sentiment_score":0.0086671719327569},{"word":"of","start":111.205,"end":111.445,"confidence":0.9931913,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007849973626434803},{"word":"the","start":111.445,"end":111.604996,"confidence":0.99566287,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007853209972381592},{"word":"third","start":111.604996,"end":112.005,"confidence":0.9974789,"punctuated_word":"third","sentiment":"neutral","sentiment_score":0.009942444041371346},{"word":"nineteen","start":112.005,"end":112.505,"confidence":0.9733517,"punctuated_word":"nineteen","sentiment":"neutral","sentiment_score":0.007330972701311112},{"word":"ninety","start":112.645,"end":113.045,"confidence":0.999428,"punctuated_word":"ninety","sentiment":"neutral","sentiment_score":0.011097807437181473},{"word":"three","start":113.045,"end":113.445,"confidence":0.9993957,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.010456998832523825},{"word":"and","start":113.445,"end":113.945,"confidence":0.7398604,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.009969010017812252},{"word":"eighteen","start":114.005,"end":114.505,"confidence":0.9789099,"punctuated_word":"eighteen","sentiment":"neutral","sentiment_score":0.01269526593387127},{"word":"slash","start":114.86,"end":115.26,"confidence":0.99832433,"punctuated_word":"slash","sentiment":"neutral","sentiment_score":0.009109136648476124},{"word":"twenty","start":115.26,"end":115.58,"confidence":0.99976283,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.009429531171917915},{"word":"four","start":115.58,"end":115.9,"confidence":0.99595934,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.007240366190671921},{"word":"caddington","start":115.9,"end":116.4,"confidence":0.55168957,"punctuated_word":"Caddington","sentiment":"neutral","sentiment_score":0.010704632848501204},{"word":"place","start":116.46,"end":116.78,"confidence":0.9597514,"punctuated_word":"Place,","sentiment":"neutral","sentiment_score":0.01264249999076128},{"word":"helensvale","start":116.78,"end":117.28,"confidence":0.7549744,"punctuated_word":"Helensvale.","sentiment":"neutral","sentiment_score":0.033987436443567276},{"word":"my","start":129.685,"end":129.92499,"confidence":0.47457775,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.039149727672338486},{"word":"my","start":129.92499,"end":130.00499,"confidence":0.43259084,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.03882919251918793},{"word":"emails","start":130.00499,"end":130.50499,"confidence":0.7888926,"punctuated_word":"emails","sentiment":"neutral","sentiment_score":-0.021065494045615196},{"word":"are","start":130.525,"end":131.025,"confidence":0.9417209,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.05005424842238426},{"word":"browsing","start":131.045,"end":131.545,"confidence":0.99888057,"punctuated_word":"browsing","sentiment":"neutral","sentiment_score":-0.01880795881152153},{"word":"for","start":131.685,"end":132.00499,"confidence":0.9367697,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.05013957619667053},{"word":"some","start":132.00499,"end":132.245,"confidence":0.99944717,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.06626012176275253},{"word":"reason","start":132.245,"end":132.72499,"confidence":0.98866427,"punctuated_word":"reason.","sentiment":"neutral","sentiment_score":-0.061873190104961395},{"word":"i've","start":132.72499,"end":132.885,"confidence":0.85492885,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.013004935346543787},{"word":"seen","start":132.885,"end":133.20499,"confidence":0.996283,"punctuated_word":"seen","sentiment":"neutral","sentiment_score":-0.0031397808343172073},{"word":"that","start":133.20499,"end":133.44499,"confidence":0.51401925,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0035649817436933517},{"word":"pop","start":133.44499,"end":133.685,"confidence":0.9767398,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.012720642611384392},{"word":"up","start":133.685,"end":133.92499,"confidence":0.99410206,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.00480722077190876},{"word":"on","start":133.92499,"end":134.245,"confidence":0.4586786,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0006132796406745911},{"word":"circles","start":134.245,"end":134.745,"confidence":0.5546475,"punctuated_word":"circles.","sentiment":"neutral","sentiment_score":-0.017281774431467056},{"word":"see","start":134.805,"end":134.965,"confidence":0.40893906,"punctuated_word":"See","sentiment":"neutral","sentiment_score":-0.004763059318065643},{"word":"if","start":134.965,"end":135.125,"confidence":0.98081815,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.005674524232745171},{"word":"i","start":135.125,"end":135.20499,"confidence":0.97505504,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.00035819411277770996},{"word":"can","start":135.20499,"end":135.525,"confidence":0.99499786,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0022620856761932373},{"word":"it's","start":160.915,"end":161.155,"confidence":0.6691012,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.05201151221990585},{"word":"because","start":161.155,"end":161.475,"confidence":0.8854375,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.02686011977493763},{"word":"i","start":161.475,"end":161.555,"confidence":0.96894294,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03256640583276749},{"word":"got","start":161.555,"end":161.795,"confidence":0.968483,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.021304523572325703},{"word":"one","start":161.795,"end":162.115,"confidence":0.97696805,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.01294286921620369},{"word":"bar","start":162.115,"end":162.355,"confidence":0.8164906,"punctuated_word":"bar","sentiment":"neutral","sentiment_score":0.014325842261314392},{"word":"once","start":162.355,"end":162.855,"confidence":0.8047432,"punctuated_word":"once.","sentiment":"neutral","sentiment_score":0.02841784246265888},{"word":"mhmm","start":162.915,"end":163.415,"confidence":0.9390032,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.04071049392223358},{"word":"yeah","start":171.635,"end":172.135,"confidence":0.96472,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08229528367519379},{"word":"yep","start":176.61,"end":177.11,"confidence":0.73872006,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.011758280918002129},{"word":"no","start":179.33,"end":179.73,"confidence":0.83204055,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.02117791771888733},{"word":"just","start":179.73,"end":180.04999,"confidence":0.6934806,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.009485356509685516},{"word":"run","start":180.04999,"end":180.37,"confidence":0.8601226,"punctuated_word":"run","sentiment":"neutral","sentiment_score":0.01389959082007408},{"word":"through","start":180.37,"end":180.61,"confidence":0.9705044,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.014424718916416168},{"word":"it","start":180.61,"end":180.84999,"confidence":0.7852638,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.0008590314537286758},{"word":"and","start":180.84999,"end":181.01,"confidence":0.9993536,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.013042010366916656},{"word":"then","start":181.01,"end":181.17,"confidence":0.9994568,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.023712508380413055},{"word":"we","start":181.17,"end":181.33,"confidence":0.98713803,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.029997074976563457},{"word":"can","start":181.33,"end":181.56999,"confidence":0.99858594,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.022030524909496307},{"word":"and","start":181.73,"end":181.89,"confidence":0.984254,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.01570403389632702},{"word":"then","start":181.89,"end":182.12999,"confidence":0.9985108,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.022708915174007416},{"word":"i","start":182.12999,"end":182.20999,"confidence":0.99387014,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04801259934902191},{"word":"can","start":182.20999,"end":182.45,"confidence":0.9925137,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.03155464679002762},{"word":"review","start":182.45,"end":182.76999,"confidence":0.9991002,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.020565863698720932},{"word":"it","start":182.76999,"end":183.26999,"confidence":0.99495703,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.02679083496332169},{"word":"yeah","start":186.12999,"end":186.62999,"confidence":0.97550905,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14917725324630737},{"word":"yeah","start":189.375,"end":189.535,"confidence":0.76504505,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09238293766975404},{"word":"yeah","start":189.535,"end":190.035,"confidence":0.60941494,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07184595614671707},{"word":"it","start":190.335,"end":190.57501,"confidence":0.3187796,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.05818105489015579},{"word":"takes","start":190.57501,"end":190.895,"confidence":0.59830743,"punctuated_word":"takes","sentiment":"neutral","sentiment_score":0.08048495650291443},{"word":"a","start":190.895,"end":191.05501,"confidence":0.6252498,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08412403613328934},{"word":"free","start":191.05501,"end":191.375,"confidence":0.99650973,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.10286769270896912},{"word":"time","start":191.375,"end":191.615,"confidence":0.9925045,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.11487142741680144},{"word":"when","start":191.615,"end":191.77501,"confidence":0.9934902,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0736362636089325},{"word":"i'm","start":191.77501,"end":191.93501,"confidence":0.99959046,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07878841459751129},{"word":"at","start":191.93501,"end":192.095,"confidence":0.98977906,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07326091825962067},{"word":"home","start":192.095,"end":192.335,"confidence":0.88371205,"punctuated_word":"home.","sentiment":"neutral","sentiment_score":0.079806387424469},{"word":"that's","start":192.335,"end":192.57501,"confidence":0.9993263,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12616190314292908},{"word":"for","start":192.57501,"end":192.815,"confidence":0.9990126,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10253465175628662},{"word":"sure","start":192.815,"end":193.315,"confidence":0.99905586,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.12451450526714324},{"word":"yeah","start":197.695,"end":198.195,"confidence":0.6519274,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.014900926500558851},{"word":"yeah","start":202.66,"end":203.16,"confidence":0.87225586,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15615028142929077},{"word":"that's","start":203.22,"end":203.54,"confidence":0.9550016,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.29480665922164917},{"word":"exactly","start":203.54,"end":204.04,"confidence":0.9929749,"punctuated_word":"exactly","sentiment":"neutral","sentiment_score":0.29985055327415466},{"word":"right","start":204.26,"end":204.76,"confidence":0.9900795,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.281448632478714},{"word":"yep","start":212.81999,"end":213.31999,"confidence":0.9956941,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11612887680530548},{"word":"yep","start":224.395,"end":224.895,"confidence":0.855113,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.012551172636449335},{"word":"okay","start":231.87001,"end":232.37001,"confidence":0.9292389,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.17912164330482483},{"word":"yeah","start":237.47,"end":237.97,"confidence":0.8746058,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12377925217151642},{"word":"not","start":238.03,"end":238.27,"confidence":0.54715955,"punctuated_word":"Not","sentiment":"positive","sentiment_score":0.4084072411060333},{"word":"a","start":238.27,"end":238.35,"confidence":0.9927724,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29822999238967896},{"word":"problem","start":238.35,"end":238.67,"confidence":0.9994025,"punctuated_word":"problem","sentiment":"positive","sentiment_score":0.4082653522491455},{"word":"at","start":238.67,"end":238.83,"confidence":0.9973531,"punctuated_word":"at","sentiment":"positive","sentiment_score":0.394015371799469},{"word":"all","start":238.83,"end":239.33,"confidence":0.992216,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.4983360767364502},{"word":"yes","start":258.73,"end":259.23,"confidence":0.9097544,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2239477336406708},{"word":"thank","start":270.665,"end":271.065,"confidence":0.6992517,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6143360733985901},{"word":"you","start":271.065,"end":271.385,"confidence":0.5767832,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.5535871982574463},{"word":"connolly","start":271.385,"end":271.885,"confidence":0.71286935,"punctuated_word":"Connolly.","sentiment":"positive","sentiment_score":0.38789352774620056},{"word":"that's","start":271.945,"end":272.185,"confidence":0.99832666,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1377231776714325},{"word":"when","start":272.185,"end":272.425,"confidence":0.99534285,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.11687839031219482},{"word":"you're","start":272.425,"end":272.745,"confidence":0.5505009,"punctuated_word":"you're,","sentiment":"neutral","sentiment_score":0.13965751230716705},{"word":"like","start":272.745,"end":272.985,"confidence":0.9772803,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10354703664779664},{"word":"oh","start":272.985,"end":273.225,"confidence":0.877667,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":0.11797401309013368},{"word":"you","start":273.225,"end":273.465,"confidence":0.99025834,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10498795658349992},{"word":"can","start":273.465,"end":273.785,"confidence":0.9987489,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.10526210069656372},{"word":"email","start":273.785,"end":274.26498,"confidence":0.99911577,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.10078585147857666},{"word":"me","start":274.26498,"end":274.505,"confidence":0.99970764,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.06531128287315369},{"word":"tomorrow","start":274.505,"end":274.985,"confidence":0.9828366,"punctuated_word":"tomorrow.","sentiment":"neutral","sentiment_score":0.10040845721960068},{"word":"i","start":274.985,"end":275.065,"confidence":0.99802667,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06552564352750778},{"word":"was","start":275.065,"end":275.305,"confidence":0.9690187,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.10358799993991852},{"word":"thinking","start":275.305,"end":275.625,"confidence":0.9986181,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":-0.06815585494041443},{"word":"in","start":275.625,"end":275.785,"confidence":0.98886526,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.13482698798179626},{"word":"my","start":275.785,"end":275.945,"confidence":0.9997129,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.09951367974281312},{"word":"head","start":275.945,"end":276.185,"confidence":0.99955577,"punctuated_word":"head","sentiment":"neutral","sentiment_score":-0.14014825224876404},{"word":"that","start":276.185,"end":276.345,"confidence":0.67438984,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.10608236491680144},{"word":"i","start":276.345,"end":276.505,"confidence":0.9841978,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.14076459407806396},{"word":"probably","start":276.505,"end":276.905,"confidence":0.973808,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.16817745566368103},{"word":"won't","start":276.905,"end":277.405,"confidence":0.99380237,"punctuated_word":"won't.","sentiment":"neutral","sentiment_score":-0.0967673361301422},{"word":"yeah","start":282.905,"end":283.305,"confidence":0.9778906,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.008024647831916809},{"word":"of","start":283.305,"end":283.465,"confidence":0.9969863,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":-0.004073629155755043},{"word":"course","start":283.465,"end":283.965,"confidence":0.9997002,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.008450526744127274},{"word":"yeah","start":287.44,"end":287.76,"confidence":0.9522512,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.006100483238697052},{"word":"i","start":287.76,"end":287.84,"confidence":0.7819044,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.032052066177129745},{"word":"gotcha","start":287.84,"end":288.34,"confidence":0.9912011,"punctuated_word":"gotcha.","sentiment":"neutral","sentiment_score":-0.0315878763794899},{"word":"yeah","start":295.68,"end":296.18,"confidence":0.98416007,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14055556058883667},{"word":"i","start":297.68,"end":297.92,"confidence":0.7695201,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4153923988342285},{"word":"will","start":297.92,"end":298.42,"confidence":0.99235094,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.2493053674697876},{"word":"i","start":300.145,"end":300.225,"confidence":0.66064817,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.14573895931243896},{"word":"will","start":300.225,"end":300.465,"confidence":0.9960202,"punctuated_word":"will.","sentiment":"neutral","sentiment_score":0.1460244208574295},{"word":"i","start":300.465,"end":300.625,"confidence":0.99300474,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10632194578647614},{"word":"got","start":300.625,"end":300.865,"confidence":0.9857572,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11560940742492676},{"word":"the","start":300.865,"end":301.105,"confidence":0.9959269,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11013543605804443},{"word":"dials","start":301.105,"end":301.505,"confidence":0.73238593,"punctuated_word":"dials,","sentiment":"neutral","sentiment_score":0.10468617081642152},{"word":"so","start":301.505,"end":301.745,"confidence":0.6972076,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.11276982724666595},{"word":"that's","start":301.745,"end":301.98502,"confidence":0.9997448,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.1791045367717743},{"word":"a","start":301.98502,"end":302.145,"confidence":0.9687631,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1694226861000061},{"word":"plus","start":302.145,"end":302.645,"confidence":0.9997484,"punctuated_word":"plus.","sentiment":"neutral","sentiment_score":0.19269374012947085},{"word":"yep","start":315.6,"end":316.1,"confidence":0.92107105,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09300097078084946},{"word":"yeah","start":320.56,"end":321.06,"confidence":0.92324847,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013878767378628254},{"word":"mhmm","start":324.88,"end":325.38,"confidence":0.87558347,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.003643940202891826},{"word":"yeah","start":339.925,"end":340.425,"confidence":0.91800725,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.10905835032463074},{"word":"yeah","start":341.81,"end":342.21,"confidence":0.9826412,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04116961359977722},{"word":"i","start":342.21,"end":342.37,"confidence":0.881189,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.029111098498106003},{"word":"was","start":342.37,"end":342.45,"confidence":0.60901105,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.02128012478351593},{"word":"saying","start":342.45,"end":342.77,"confidence":0.93578494,"punctuated_word":"saying","sentiment":"neutral","sentiment_score":-0.017012078315019608},{"word":"that","start":342.77,"end":343.17,"confidence":0.9955336,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.019130753353238102},{"word":"yep","start":343.17,"end":343.67,"confidence":0.8068095,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.025631006807088852},{"word":"yep","start":356.725,"end":357.225,"confidence":0.7767551,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.016567949205636978},{"word":"yeah","start":365.605,"end":365.76498,"confidence":0.94610834,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.018183676525950432},{"word":"yep","start":365.76498,"end":366.26498,"confidence":0.75380826,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03093366138637066},{"word":"yep","start":377.77002,"end":378.27002,"confidence":0.71484196,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05964108929038048},{"word":"yeah","start":380.025,"end":380.525,"confidence":0.8551818,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04622986912727356},{"word":"sway","start":389.065,"end":389.565,"confidence":0.75669605,"punctuated_word":"Sway.","sentiment":"neutral","sentiment_score":0.09467454999685287},{"word":"yeah","start":389.785,"end":390.285,"confidence":0.7357213,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19880211353302},{"word":"okay","start":423.13,"end":423.53,"confidence":0.9809325,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.09294681251049042},{"word":"no","start":423.53,"end":423.77,"confidence":0.89088154,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.17131555080413818},{"word":"worries","start":423.77,"end":424.27,"confidence":0.9993485,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.2517455518245697},{"word":"yep","start":433.53,"end":434.03,"confidence":0.9920836,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05784860998392105},{"word":"yep","start":451.19998,"end":451.69998,"confidence":0.89831823,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13455116748809814},{"word":"yeah","start":464.975,"end":465.475,"confidence":0.92264926,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03009435161948204},{"word":"yeah","start":480.1,"end":480.6,"confidence":0.8272337,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11748942732810974},{"word":"yeah","start":483.86,"end":484.36,"confidence":0.6865919,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11385753005743028},{"word":"yeah","start":496.915,"end":497.415,"confidence":0.8103748,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.07537891715765},{"word":"yes","start":505.03,"end":505.34998,"confidence":0.9435878,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.005562057718634605},{"word":"correct","start":505.34998,"end":505.84998,"confidence":0.6778882,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":-0.006021318957209587},{"word":"yep","start":516.925,"end":517.425,"confidence":0.7527069,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.01869954727590084},{"word":"yeah","start":525.96497,"end":526.20496,"confidence":0.90884006,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10291902720928192},{"word":"righty","start":526.20496,"end":526.685,"confidence":0.62220675,"punctuated_word":"Righty","sentiment":"neutral","sentiment_score":0.2676258683204651},{"word":"o","start":526.685,"end":527.185,"confidence":0.67761993,"punctuated_word":"o.","sentiment":"neutral","sentiment_score":0.2651267945766449},{"word":"yeah","start":539.73,"end":540.23,"confidence":0.7427442,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.053926996886730194},{"word":"yes","start":549.485,"end":549.985,"confidence":0.7278764,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.05530283227562904},{"word":"yeah","start":573.64,"end":573.975,"confidence":0.6016339,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1864684522151947},{"word":"yeah","start":577.57495,"end":578.07495,"confidence":0.80812144,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12791968882083893},{"word":"okay","start":578.21497,"end":578.71497,"confidence":0.79392433,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.10785195231437684},{"word":"yep","start":609.205,"end":609.705,"confidence":0.91291404,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.036819398403167725},{"word":"yeah","start":646.8,"end":647.3,"confidence":0.93473554,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.2314068078994751},{"word":"yep","start":710.84,"end":711.34,"confidence":0.74316865,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3580816686153412},{"word":"yeah","start":720.00494,"end":720.50494,"confidence":0.686676,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03835006803274155},{"word":"gotcha","start":724.56494,"end":725.06494,"confidence":0.98384523,"punctuated_word":"Gotcha.","sentiment":"neutral","sentiment_score":-0.06311994045972824},{"word":"yeah","start":725.365,"end":725.865,"confidence":0.8867158,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0429159551858902},{"word":"yeah","start":753.205,"end":753.705,"confidence":0.6373106,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3358806073665619},{"word":"yep","start":763.97,"end":764.47,"confidence":0.7333049,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03233693167567253},{"word":"yeah","start":786.66504,"end":787.16504,"confidence":0.8998536,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02947128377854824},{"word":"yeah","start":812.205,"end":812.705,"confidence":0.8035159,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0653964951634407},{"word":"yep","start":812.925,"end":813.245,"confidence":0.93895465,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10333392024040222},{"word":"it","start":813.245,"end":813.565,"confidence":0.91086435,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.09723883867263794},{"word":"does","start":813.565,"end":814.065,"confidence":0.99627066,"punctuated_word":"does.","sentiment":"neutral","sentiment_score":0.1575494110584259},{"word":"mhmm","start":826.26,"end":826.76,"confidence":0.87325245,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.11995506286621094},{"word":"yeah","start":851.38,"end":851.88,"confidence":0.91050506,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01956184394657612},{"word":"yeah","start":863.175,"end":863.675,"confidence":0.94959116,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18554365634918213},{"word":"sweet","start":863.89496,"end":864.39496,"confidence":0.96359956,"punctuated_word":"Sweet.","sentiment":"positive","sentiment_score":0.3549814820289612},{"word":"yeah","start":907.10004,"end":907.60004,"confidence":0.93442535,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04315468668937683},{"word":"yeah","start":940.04,"end":940.44,"confidence":0.8945744,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05361087620258331},{"word":"of","start":940.44,"end":940.60004,"confidence":0.9846905,"punctuated_word":"Of","sentiment":"neutral","sentiment_score":0.04494456946849823},{"word":"course","start":940.60004,"end":941.10004,"confidence":0.99840957,"punctuated_word":"course.","sentiment":"neutral","sentiment_score":0.07667999714612961},{"word":"yeah","start":958.79004,"end":959.29004,"confidence":0.9524754,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005105946213006973},{"word":"no","start":959.59,"end":959.83,"confidence":0.911387,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.027152324095368385},{"word":"i","start":959.83,"end":959.99,"confidence":0.96247536,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03114139288663864},{"word":"understand","start":959.99,"end":960.49,"confidence":0.98447335,"punctuated_word":"understand.","sentiment":"neutral","sentiment_score":-0.0036127548664808273},{"word":"skype","start":1017.42004,"end":1017.92004,"confidence":0.23304565,"punctuated_word":"Skype","sentiment":"neutral","sentiment_score":0.15067966282367706},{"word":"out","start":1018.22003,"end":1018.38,"confidence":0.29005,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.1540939062833786},{"word":"loud","start":1018.38,"end":1018.88,"confidence":0.56058127,"punctuated_word":"loud.","sentiment":"neutral","sentiment_score":0.17876248061656952},{"word":"okay","start":1019.5,"end":1020.0,"confidence":0.8155887,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.23606768250465393},{"word":"yep","start":1039.42,"end":1039.92,"confidence":0.86648357,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1369847059249878},{"word":"yeah","start":1050.54,"end":1051.04,"confidence":0.7319468,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.076713427901268},{"word":"yep","start":1059.4451,"end":1059.9451,"confidence":0.7276191,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.020418820902705193},{"word":"okay","start":1071.7001,"end":1071.86,"confidence":0.95905936,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.026791226118803024},{"word":"and","start":1071.86,"end":1072.18,"confidence":0.8159475,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.042146697640419006},{"word":"that's","start":1072.18,"end":1072.66,"confidence":0.9978154,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.04389101266860962},{"word":"indexed","start":1072.66,"end":1073.16,"confidence":0.5154165,"punctuated_word":"indexed","sentiment":"neutral","sentiment_score":0.03770819306373596},{"word":"too","start":1073.3,"end":1073.62,"confidence":0.8485123,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.019596006721258163},{"word":"so","start":1073.62,"end":1073.9401,"confidence":0.9913954,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.03022962063550949},{"word":"as","start":1073.9401,"end":1074.18,"confidence":0.82226,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.029558280482888225},{"word":"his","start":1074.18,"end":1074.5,"confidence":0.9821047,"punctuated_word":"his","sentiment":"neutral","sentiment_score":0.01588664948940277},{"word":"life","start":1074.5,"end":1074.9,"confidence":0.80803144,"punctuated_word":"life","sentiment":"neutral","sentiment_score":0.034463390707969666},{"word":"goes","start":1074.9,"end":1075.14,"confidence":0.99935335,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.02527383714914322},{"word":"on","start":1075.14,"end":1075.38,"confidence":0.9974541,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0128609798848629},{"word":"and","start":1075.38,"end":1075.54,"confidence":0.62234676,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.012705529108643532},{"word":"gets","start":1075.54,"end":1075.86,"confidence":0.988557,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.014209438115358353},{"word":"yeah","start":1076.02,"end":1076.26,"confidence":0.99414784,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.01574469357728958},{"word":"okay","start":1076.26,"end":1076.76,"confidence":0.9977602,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0627375915646553},{"word":"yeah","start":1077.9401,"end":1078.4401,"confidence":0.7503513,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11647913604974748},{"word":"yeah","start":1088.635,"end":1089.135,"confidence":0.74012053,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.14170533418655396},{"word":"yep","start":1110.5549,"end":1111.0549,"confidence":0.82520396,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22292613983154297},{"word":"yeah","start":1124.235,"end":1124.735,"confidence":0.9534241,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.020276030525565147},{"word":"yeah","start":1130.0599,"end":1130.5599,"confidence":0.9939536,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06650778651237488},{"word":"so","start":1150.78,"end":1151.02,"confidence":0.7187241,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06336626410484314},{"word":"it's","start":1151.02,"end":1151.18,"confidence":0.970451,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.047846004366874695},{"word":"better","start":1151.18,"end":1151.5801,"confidence":0.9953135,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.039433009922504425},{"word":"to","start":1151.5801,"end":1151.7401,"confidence":0.6473842,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.072050541639328},{"word":"it","start":1151.9,"end":1152.2201,"confidence":0.98058057,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10475347936153412},{"word":"is","start":1152.2201,"end":1152.62,"confidence":0.9939533,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02439762093126774},{"word":"it","start":1152.62,"end":1152.9401,"confidence":0.98318994,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.03974945843219757},{"word":"is","start":1152.9401,"end":1153.18,"confidence":0.99960774,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.056341152638196945},{"word":"better","start":1153.18,"end":1153.5,"confidence":0.9991399,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.04810165613889694},{"word":"to","start":1153.5,"end":1153.7401,"confidence":0.99547726,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05899365246295929},{"word":"do","start":1153.7401,"end":1153.9801,"confidence":0.9982261,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06361908465623856},{"word":"it","start":1153.9801,"end":1154.06,"confidence":0.9981085,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06126020103693008},{"word":"now","start":1154.06,"end":1154.3,"confidence":0.99489474,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.0738002359867096},{"word":"because","start":1154.3,"end":1154.7001,"confidence":0.88581485,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0700848177075386},{"word":"he","start":1154.7001,"end":1154.9401,"confidence":0.9754803,"punctuated_word":"he","sentiment":"neutral","sentiment_score":0.07704609632492065},{"word":"has","start":1154.9401,"end":1155.3401,"confidence":0.93648446,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.05531573295593262},{"word":"no","start":1155.3401,"end":1155.66,"confidence":0.9959352,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.035685017704963684},{"word":"underwriting","start":1155.66,"end":1156.16,"confidence":0.93508464,"punctuated_word":"underwriting.","sentiment":"neutral","sentiment_score":-0.0049795350059866905},{"word":"right","start":1156.4601,"end":1156.78,"confidence":0.99906075,"punctuated_word":"Right?","sentiment":"neutral","sentiment_score":0.034626368433237076},{"word":"because","start":1156.78,"end":1157.1001,"confidence":0.9795538,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.02078443579375744},{"word":"he's","start":1157.1001,"end":1157.5801,"confidence":0.99366546,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.02115829475224018},{"word":"well","start":1157.66,"end":1157.9,"confidence":0.9661561,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.02502525970339775},{"word":"he's","start":1157.9,"end":1158.38,"confidence":0.9905574,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.032784558832645416},{"word":"he's","start":1158.38,"end":1158.88,"confidence":0.84919244,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.008762730285525322},{"word":"too","start":1159.02,"end":1159.14,"confidence":0.48601922,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.0033453963696956635},{"word":"he's","start":1159.26,"end":1159.66,"confidence":0.93685913,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":-0.02966483309864998},{"word":"he","start":1159.7401,"end":1159.9,"confidence":0.5080035,"punctuated_word":"he","sentiment":"neutral","sentiment_score":-0.012732839211821556},{"word":"hasn't","start":1159.9,"end":1160.4,"confidence":0.9951188,"punctuated_word":"hasn't","sentiment":"neutral","sentiment_score":0.01994345709681511},{"word":"been","start":1160.8601,"end":1161.3601,"confidence":0.9816264,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.00014231353998184204},{"word":"in","start":1161.42,"end":1161.92,"confidence":0.76660156,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03140357881784439},{"word":"had","start":1162.875,"end":1162.9551,"confidence":0.5989705,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.0019008032977581024},{"word":"any","start":1162.9551,"end":1163.275,"confidence":0.99957484,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.013674266636371613},{"word":"conditions","start":1163.275,"end":1163.775,"confidence":0.88962007,"punctuated_word":"conditions.","sentiment":"neutral","sentiment_score":-0.03820639103651047},{"word":"let's","start":1163.835,"end":1164.0751,"confidence":0.9914298,"punctuated_word":"Let's","sentiment":"neutral","sentiment_score":0.041461169719696045},{"word":"put","start":1164.0751,"end":1164.235,"confidence":0.9986094,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.0490143820643425},{"word":"it","start":1164.235,"end":1164.3151,"confidence":0.9974402,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.052299946546554565},{"word":"that","start":1164.3151,"end":1164.555,"confidence":0.9945239,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.048631928861141205},{"word":"way","start":1164.555,"end":1165.055,"confidence":0.99958026,"punctuated_word":"way.","sentiment":"neutral","sentiment_score":0.04123898595571518},{"word":"yeah","start":1166.0751,"end":1166.5751,"confidence":0.95325756,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10437458753585815},{"word":"yeah","start":1166.795,"end":1167.295,"confidence":0.7628174,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07946419715881348},{"word":"yeah","start":1170.3151,"end":1170.8151,"confidence":0.9764324,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06659109145402908},{"word":"no","start":1187.53,"end":1187.61,"confidence":0.91449594,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1898815929889679},{"word":"sure","start":1187.61,"end":1188.11,"confidence":0.6761372,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":-0.12934792041778564},{"word":"yep","start":1188.17,"end":1188.585,"confidence":0.7981932,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04974205791950226},{"word":"yeah","start":1190.265,"end":1190.765,"confidence":0.98000854,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13697665929794312},{"word":"yeah","start":1196.4249,"end":1196.9249,"confidence":0.94173336,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.38799911737442017},{"word":"yep","start":1235.2401,"end":1235.7401,"confidence":0.8785424,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.04091161489486694},{"word":"no","start":1245.715,"end":1245.875,"confidence":0.79891074,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14575451612472534},{"word":"that's","start":1245.875,"end":1246.2749,"confidence":0.9986874,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.11492034792900084},{"word":"alright","start":1246.2749,"end":1246.6749,"confidence":0.953282,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":-0.07556284964084625},{"word":"neither","start":1246.6749,"end":1246.995,"confidence":0.99283594,"punctuated_word":"Neither","sentiment":"neutral","sentiment_score":-0.17455512285232544},{"word":"am","start":1246.995,"end":1247.1549,"confidence":0.9973916,"punctuated_word":"am","sentiment":"neutral","sentiment_score":-0.09456741064786912},{"word":"i","start":1247.1549,"end":1247.475,"confidence":0.99273205,"punctuated_word":"I.","sentiment":"neutral","sentiment_score":-0.09849432110786438},{"word":"it","start":1247.475,"end":1247.5549,"confidence":0.90569335,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.07272972166538239},{"word":"makes","start":1247.5549,"end":1247.875,"confidence":0.9081456,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.06777307391166687},{"word":"sense","start":1247.875,"end":1248.195,"confidence":0.99603456,"punctuated_word":"sense","sentiment":"neutral","sentiment_score":-0.06893343478441238},{"word":"anyway","start":1248.195,"end":1248.695,"confidence":0.85691565,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":-0.06240811198949814},{"word":"yeah","start":1265.18,"end":1265.68,"confidence":0.9372364,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.022275026887655255},{"word":"yeah","start":1282.265,"end":1282.765,"confidence":0.98776776,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.007172867655754089},{"word":"yeah","start":1284.79,"end":1285.29,"confidence":0.9847355,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.19021959602832791},{"word":"yeah","start":1292.07,"end":1292.57,"confidence":0.851185,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2239757776260376},{"word":"that's","start":1303.0851,"end":1303.3251,"confidence":0.65391284,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.05334135517477989},{"word":"okay","start":1303.3251,"end":1303.8251,"confidence":0.84666634,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.11740461736917496},{"word":"yes","start":1324.13,"end":1324.63,"confidence":0.85633016,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.04080714285373688},{"word":"yeah","start":1327.435,"end":1327.935,"confidence":0.9599712,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.053820546716451645},{"word":"yep","start":1348.3899,"end":1348.8899,"confidence":0.77322197,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.4319244623184204},{"word":"yep","start":1349.83,"end":1350.255,"confidence":0.80814457,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2751315236091614},{"word":"cool","start":1359.615,"end":1360.115,"confidence":0.9521607,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.3527128994464874},{"word":"yeah","start":1371.8,"end":1372.3,"confidence":0.8910581,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1582549661397934},{"word":"yeah","start":1380.4149,"end":1380.9149,"confidence":0.80577874,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11044758558273315},{"word":"yeah","start":1386.815,"end":1387.315,"confidence":0.91886914,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.20422136783599856},{"word":"yeah","start":1395.8999,"end":1396.2999,"confidence":0.9801053,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02573936991393566},{"word":"gotcha","start":1396.2999,"end":1396.7999,"confidence":0.92531514,"punctuated_word":"Gotcha.","sentiment":"neutral","sentiment_score":-0.004581806715577841},{"word":"yep","start":1396.94,"end":1397.44,"confidence":0.9869218,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.01774808019399643},{"word":"yep","start":1430.31,"end":1430.81,"confidence":0.7636123,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.17089083790779114},{"word":"yeah","start":1431.91,"end":1432.41,"confidence":0.99138093,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02740640938282013},{"word":"yeah","start":1432.47,"end":1432.97,"confidence":0.7586342,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.034178029745817184},{"word":"yeah","start":1436.045,"end":1436.545,"confidence":0.95020175,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.3916386365890503},{"word":"yeah","start":1452.86,"end":1453.36,"confidence":0.8128912,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0842459499835968},{"word":"yeah","start":1460.06,"end":1460.56,"confidence":0.9018811,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08160857856273651},{"word":"true","start":1461.42,"end":1461.92,"confidence":0.9498428,"punctuated_word":"True.","sentiment":"neutral","sentiment_score":0.06914924085140228},{"word":"no","start":1466.575,"end":1466.895,"confidence":0.970361,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1112988144159317},{"word":"no","start":1466.895,"end":1467.375,"confidence":0.9902432,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.11806203424930573},{"word":"that's","start":1467.375,"end":1467.775,"confidence":0.9980556,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.12647418677806854},{"word":"that's","start":1467.775,"end":1468.095,"confidence":0.99779475,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.11448943614959715},{"word":"all","start":1468.095,"end":1468.495,"confidence":0.9952674,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.11706166714429855},{"word":"pretty","start":1468.495,"end":1468.815,"confidence":0.99793965,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.10912467539310455},{"word":"well","start":1468.815,"end":1469.135,"confidence":0.9334065,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":-0.13588978350162506},{"word":"like","start":1469.135,"end":1469.375,"confidence":0.9491577,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":-0.0895048975944519},{"word":"that","start":1469.375,"end":1469.615,"confidence":0.6044922,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.07887464761734009},{"word":"coming","start":1469.615,"end":1469.9349,"confidence":0.81265634,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.08030834794044495},{"word":"out","start":1469.9349,"end":1470.095,"confidence":0.95190495,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.05672574415802955},{"word":"pretty","start":1470.095,"end":1470.4149,"confidence":0.9933102,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.05933661758899689},{"word":"cost","start":1470.4149,"end":1470.735,"confidence":0.99923885,"punctuated_word":"cost","sentiment":"neutral","sentiment_score":-0.06084619462490082},{"word":"effective","start":1470.735,"end":1471.235,"confidence":0.9921082,"punctuated_word":"effective.","sentiment":"neutral","sentiment_score":0.022277483716607097},{"word":"i","start":1471.2949,"end":1471.455,"confidence":0.99951184,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.014682719483971596},{"word":"mean","start":1471.455,"end":1471.775,"confidence":0.99618304,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.0019924985244870186},{"word":"nothing","start":1471.775,"end":1472.1749,"confidence":0.98187673,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.012238627299666405},{"word":"that's","start":1472.495,"end":1472.815,"confidence":0.998405,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.03879369795322418},{"word":"that's","start":1472.815,"end":1473.215,"confidence":0.9996291,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.05602341145277023},{"word":"nothing","start":1473.215,"end":1473.695,"confidence":0.9987311,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.06068871542811394},{"word":"really","start":1473.695,"end":1474.015,"confidence":0.8298093,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.05914248526096344},{"word":"i","start":1474.015,"end":1474.095,"confidence":0.9526053,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01430647075176239},{"word":"do","start":1474.095,"end":1474.255,"confidence":0.26553178,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04112551361322403},{"word":"i","start":1474.335,"end":1474.495,"confidence":0.9997166,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.03142717480659485},{"word":"mean","start":1474.495,"end":1474.735,"confidence":0.9981538,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.027980586513876915},{"word":"i","start":1474.735,"end":1474.895,"confidence":0.9953288,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16361382603645325},{"word":"do","start":1474.895,"end":1475.135,"confidence":0.515477,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1928737908601761},{"word":"it","start":1475.135,"end":1475.52,"confidence":0.5981488,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22024790942668915},{"word":"do","start":1475.84,"end":1475.9199,"confidence":0.93746924,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.23869219422340393},{"word":"it","start":1475.9199,"end":1476.0,"confidence":0.9941896,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2399318665266037},{"word":"for","start":1476.0,"end":1476.24,"confidence":0.99949324,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17637993395328522},{"word":"him","start":1476.24,"end":1476.48,"confidence":0.7252113,"punctuated_word":"him.","sentiment":"neutral","sentiment_score":0.1358773112297058},{"word":"and","start":1476.48,"end":1476.64,"confidence":0.999206,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10940966010093688},{"word":"then","start":1476.64,"end":1477.14,"confidence":0.99657106,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.09184090048074722},{"word":"when","start":1477.4401,"end":1477.76,"confidence":0.8943679,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.09695756435394288},{"word":"the","start":1477.76,"end":1477.92,"confidence":0.9028605,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11292576789855956},{"word":"new","start":1477.92,"end":1478.16,"confidence":0.9724325,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.11195167899131776},{"word":"boy's","start":1478.16,"end":1478.44,"confidence":0.56346786,"punctuated_word":"boy's","sentiment":"neutral","sentiment_score":0.09201797842979433},{"word":"he's","start":1478.72,"end":1479.12,"confidence":0.9859621,"punctuated_word":"he's","sentiment":"neutral","sentiment_score":0.08127065747976303},{"word":"two","start":1479.12,"end":1479.4401,"confidence":0.84864235,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":0.09175431728363036},{"word":"i'll","start":1479.4401,"end":1479.68,"confidence":0.99087,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.08859178423881531},{"word":"do","start":1479.68,"end":1479.92,"confidence":0.9997125,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06931518763303757},{"word":"the","start":1479.92,"end":1480.0801,"confidence":0.9992772,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07637658715248108},{"word":"same","start":1480.0801,"end":1480.5801,"confidence":0.92585135,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":0.061173148453235626},{"word":"and","start":1482.0801,"end":1482.3201,"confidence":0.98173493,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03443651273846626},{"word":"then","start":1482.3201,"end":1482.48,"confidence":0.9800483,"punctuated_word":"then,","sentiment":"neutral","sentiment_score":0.03251613676548004},{"word":"yeah","start":1482.48,"end":1482.72,"confidence":0.99491704,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.0328601710498333},{"word":"i'll","start":1482.72,"end":1482.96,"confidence":0.9971087,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.025779780000448227},{"word":"just","start":1482.96,"end":1483.2001,"confidence":0.99968576,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.018906962126493457},{"word":"keep","start":1483.2001,"end":1483.4401,"confidence":0.99898916,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.01795702800154686},{"word":"adding","start":1483.4401,"end":1483.9401,"confidence":0.9966968,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.017968930304050446},{"word":"adding","start":1484.0,"end":1484.48,"confidence":0.95918983,"punctuated_word":"adding","sentiment":"neutral","sentiment_score":0.015751846134662628},{"word":"on","start":1484.48,"end":1484.72,"confidence":0.73306507,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04137434810400009},{"word":"to","start":1484.72,"end":1484.88,"confidence":0.99773043,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03413622826337814},{"word":"mine","start":1484.88,"end":1485.38,"confidence":0.9927844,"punctuated_word":"mine.","sentiment":"neutral","sentiment_score":0.052779439836740494},{"word":"yeah","start":1505.5,"end":1506.0,"confidence":0.80329645,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0796249657869339},{"word":"yeah","start":1507.9,"end":1508.4,"confidence":0.8111923,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.013186506927013395},{"word":"they","start":1525.095,"end":1525.335,"confidence":0.46529278,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.09166092425584792},{"word":"are","start":1525.335,"end":1525.575,"confidence":0.9332739,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":-0.046258099377155304},{"word":"yeah","start":1525.575,"end":1525.815,"confidence":0.995357,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02358362264931202},{"word":"that's","start":1525.815,"end":1526.135,"confidence":0.99510854,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0669625774025917},{"word":"at","start":1526.135,"end":1526.2949,"confidence":0.9705682,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08042404055595398},{"word":"least","start":1526.2949,"end":1526.695,"confidence":0.99865156,"punctuated_word":"least","sentiment":"neutral","sentiment_score":-0.06497954577207565},{"word":"two","start":1526.695,"end":1526.9349,"confidence":0.95946264,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.062392573803663254},{"word":"boxes","start":1526.9349,"end":1527.4149,"confidence":0.99277735,"punctuated_word":"boxes","sentiment":"neutral","sentiment_score":-0.08044816553592682},{"word":"of","start":1527.4149,"end":1527.575,"confidence":0.56521064,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04709278047084808},{"word":"nappies","start":1527.575,"end":1528.0549,"confidence":0.8210976,"punctuated_word":"nappies","sentiment":"neutral","sentiment_score":-0.04820968955755234},{"word":"so","start":1528.0549,"end":1528.2949,"confidence":0.98797137,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.011275529861450195},{"word":"far","start":1528.2949,"end":1528.71,"confidence":0.99429333,"punctuated_word":"far.","sentiment":"neutral","sentiment_score":-0.052886538207530975},{"word":"yeah","start":1545.125,"end":1545.4451,"confidence":0.9595244,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.29617998003959656},{"word":"easy","start":1545.4451,"end":1545.9451,"confidence":0.96089524,"punctuated_word":"Easy.","sentiment":"positive","sentiment_score":0.4334409236907959},{"word":"yeah","start":1556.1901,"end":1556.6901,"confidence":0.8670097,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09359022229909895},{"word":"yeah","start":1567.855,"end":1568.355,"confidence":0.69815093,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13521727919578552},{"word":"i","start":1578.4149,"end":1578.6549,"confidence":0.91400826,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.045059993863105774},{"word":"can't","start":1578.6549,"end":1578.975,"confidence":0.8733337,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.043680161237716675},{"word":"i","start":1578.975,"end":1579.135,"confidence":0.7853891,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0737425684928894},{"word":"can't","start":1579.135,"end":1579.5349,"confidence":0.9998022,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.06930053979158401},{"word":"remember","start":1579.5349,"end":1580.0349,"confidence":0.89427257,"punctuated_word":"remember,","sentiment":"neutral","sentiment_score":-0.058325204998254776},{"word":"but","start":1580.095,"end":1580.4149,"confidence":0.9986713,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.05861386284232139},{"word":"that's","start":1580.4149,"end":1580.6549,"confidence":0.9430192,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.012854485772550106},{"word":"alright","start":1580.6549,"end":1581.0549,"confidence":0.910632,"punctuated_word":"alright.","sentiment":"neutral","sentiment_score":0.023613154888153076},{"word":"if","start":1581.0549,"end":1581.215,"confidence":0.998544,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.02892445027828217},{"word":"i","start":1581.215,"end":1581.2949,"confidence":0.99893504,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.024846848100423813},{"word":"need","start":1581.2949,"end":1581.615,"confidence":0.99522215,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.021653398871421817},{"word":"a","start":1581.615,"end":1581.855,"confidence":0.9931937,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.016343265771865845},{"word":"solicitor","start":1581.855,"end":1582.355,"confidence":0.90056735,"punctuated_word":"solicitor,","sentiment":"neutral","sentiment_score":0.028478197753429413},{"word":"i've","start":1582.495,"end":1582.71,"confidence":0.8836968,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.02508671209216118},{"word":"i've","start":1583.75,"end":1584.1499,"confidence":0.98766196,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.029314856976270676},{"word":"i've","start":1584.1499,"end":1584.39,"confidence":0.9960533,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.22900566458702087},{"word":"got","start":1584.39,"end":1584.5499,"confidence":0.9969189,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2877642512321472},{"word":"one","start":1584.5499,"end":1584.87,"confidence":0.98763704,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":0.26460015773773193},{"word":"i've","start":1584.87,"end":1585.0299,"confidence":0.9995574,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2697872221469879},{"word":"used","start":1585.0299,"end":1585.35,"confidence":0.99724555,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.23878203332424164},{"word":"one","start":1585.35,"end":1585.59,"confidence":0.99920017,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2085440456867218},{"word":"before","start":1585.59,"end":1585.9099,"confidence":0.847662,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":0.280051589012146},{"word":"so","start":1585.9099,"end":1586.4099,"confidence":0.9989398,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.27072423696517944},{"word":"i've","start":1586.47,"end":1586.5499,"confidence":0.7633359,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2930877208709717},{"word":"used","start":1586.5499,"end":1586.87,"confidence":0.97226214,"punctuated_word":"used","sentiment":"neutral","sentiment_score":0.22612303495407104},{"word":"them","start":1586.87,"end":1587.0299,"confidence":0.97879237,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.2466459274291992},{"word":"again","start":1587.0299,"end":1587.5299,"confidence":0.99931645,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.313940167427063},{"word":"yeah","start":1603.725,"end":1604.225,"confidence":0.859734,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13004490733146667},{"word":"yeah","start":1612.5801,"end":1612.9801,"confidence":0.9878973,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.17842429876327515},{"word":"exactly","start":1612.9801,"end":1613.4801,"confidence":0.9367712,"punctuated_word":"Exactly","sentiment":"neutral","sentiment_score":0.31736093759536743},{"word":"right","start":1613.54,"end":1614.04,"confidence":0.8693496,"punctuated_word":"right.","sentiment":"positive","sentiment_score":0.3502950072288513},{"word":"mhmm","start":1639.37,"end":1639.87,"confidence":0.9492079,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.0462384894490242},{"word":"okay","start":1643.61,"end":1644.11,"confidence":0.94765735,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06158110499382019},{"word":"yeah","start":1647.45,"end":1647.95,"confidence":0.8379638,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.048587169498205185},{"word":"yeah","start":1651.9299,"end":1652.4299,"confidence":0.90591276,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.4578196406364441},{"word":"yeah","start":1658.635,"end":1659.135,"confidence":0.90057814,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.001284657046198845},{"word":"daisy","start":1662.3151,"end":1662.8151,"confidence":0.7995118,"punctuated_word":"Daisy.","sentiment":"neutral","sentiment_score":0.04855688288807869},{"word":"yeah","start":1684.045,"end":1684.365,"confidence":0.86550856,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0239630788564682},{"word":"i'll","start":1684.365,"end":1684.605,"confidence":0.47602755,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.025389140471816063},{"word":"know","start":1684.605,"end":1685.105,"confidence":0.68738174,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":0.03228915110230446},{"word":"no","start":1685.965,"end":1686.2051,"confidence":0.5109951,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.11057065427303314},{"word":"easy","start":1686.2051,"end":1686.7051,"confidence":0.9406942,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.2602585256099701},{"word":"that's","start":1705.8049,"end":1706.125,"confidence":0.8176498,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.007494279183447361},{"word":"okay","start":1706.125,"end":1706.625,"confidence":0.9949049,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.048238545656204224},{"word":"yeah","start":1722.28,"end":1722.76,"confidence":0.9354542,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01624329388141632},{"word":"no","start":1722.76,"end":1723.26,"confidence":0.77318203,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06061583012342453},{"word":"i'm","start":1736.8451,"end":1737.165,"confidence":0.84608984,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.08560508489608765},{"word":"not","start":1737.165,"end":1737.665,"confidence":0.9046291,"punctuated_word":"not.","sentiment":"neutral","sentiment_score":-0.05854203552007675},{"word":"that's","start":1737.9651,"end":1738.2051,"confidence":0.811891,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.0774674266576767},{"word":"that's","start":1738.2051,"end":1738.7051,"confidence":0.9791734,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.05219483375549317},{"word":"that's","start":1738.925,"end":1739.005,"confidence":0.92469203,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.09905191510915756},{"word":"like","start":1739.005,"end":1739.405,"confidence":0.3559521,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.09144526720046996},{"word":"that's","start":1739.405,"end":1739.805,"confidence":0.7384976,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.05735921487212181},{"word":"okay","start":1739.805,"end":1740.2051,"confidence":0.9704553,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.03649909794330597},{"word":"i","start":1740.2051,"end":1740.285,"confidence":0.97734624,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05489231646060944},{"word":"know","start":1740.285,"end":1740.605,"confidence":0.85765433,"punctuated_word":"know.","sentiment":"neutral","sentiment_score":-0.03760683909058571},{"word":"yeah","start":1740.605,"end":1740.765,"confidence":0.99874127,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.02387802116572857},{"word":"i","start":1740.765,"end":1740.925,"confidence":0.9969296,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03874053806066513},{"word":"know","start":1740.925,"end":1741.165,"confidence":0.9996269,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.05603462457656861},{"word":"what's","start":1741.165,"end":1741.5651,"confidence":0.998441,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.056154824793338776},{"word":"going","start":1741.5651,"end":1741.805,"confidence":0.99949753,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.06459163874387741},{"word":"on","start":1741.805,"end":1742.045,"confidence":0.8215894,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.046848006546497345},{"word":"the","start":1742.045,"end":1742.2051,"confidence":0.9023089,"punctuated_word":"The","sentiment":"positive","sentiment_score":0.5074079036712646},{"word":"perks","start":1742.2051,"end":1742.525,"confidence":0.9218818,"punctuated_word":"perks","sentiment":"positive","sentiment_score":0.5432886481285095},{"word":"have","start":1742.525,"end":1742.685,"confidence":0.56954426,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.5874362587928772},{"word":"been","start":1742.685,"end":1743.185,"confidence":0.9976726,"punctuated_word":"been","sentiment":"positive","sentiment_score":0.6523464322090149},{"word":"madison's","start":1743.9651,"end":1744.4651,"confidence":0.9573245,"punctuated_word":"Madison's","sentiment":"positive","sentiment_score":0.4050348997116089},{"word":"brother","start":1744.685,"end":1745.185,"confidence":0.92997503,"punctuated_word":"brother.","sentiment":"positive","sentiment_score":0.428192138671875},{"word":"yeah","start":1749.7201,"end":1750.2201,"confidence":0.89732796,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09563682973384856},{"word":"a","start":1773.96,"end":1774.36,"confidence":0.661208,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.12730608880519867},{"word":"z","start":1774.36,"end":1774.6799,"confidence":0.82210636,"punctuated_word":"z","sentiment":"neutral","sentiment_score":0.13294550776481628},{"word":"diamond","start":1774.6799,"end":1775.1799,"confidence":0.5510042,"punctuated_word":"diamond.","sentiment":"neutral","sentiment_score":0.07618437707424164},{"word":"not","start":1777.48,"end":1777.96,"confidence":0.7298944,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":-0.0014534816145896912},{"word":"a","start":1777.96,"end":1778.12,"confidence":0.96906114,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.004596371203660965},{"word":"z","start":1778.12,"end":1778.62,"confidence":0.9816153,"punctuated_word":"z.","sentiment":"neutral","sentiment_score":-0.005573254078626633},{"word":"yep","start":1794.225,"end":1794.725,"confidence":0.73388803,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.24809753894805908},{"word":"easy","start":1799.025,"end":1799.505,"confidence":0.96281475,"punctuated_word":"Easy.","sentiment":"positive","sentiment_score":0.43869030475616455},{"word":"and","start":1799.505,"end":1800.005,"confidence":0.99827695,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.401089072227478},{"word":"one","start":1800.145,"end":1800.645,"confidence":0.82748497,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.5071126818656921},{"word":"one","start":1801.61,"end":1802.01,"confidence":0.9990752,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.032094284892082214},{"word":"other","start":1802.01,"end":1802.3301,"confidence":0.99766016,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.0056387316435575485},{"word":"question","start":1802.3301,"end":1802.81,"confidence":0.9995524,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.005223339423537254},{"word":"is","start":1802.81,"end":1803.13,"confidence":0.99820197,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.008571607992053032},{"word":"if","start":1803.13,"end":1803.37,"confidence":0.69466305,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.005713797174394131},{"word":"i","start":1803.37,"end":1803.61,"confidence":0.9985049,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.006859272718429565},{"word":"was","start":1803.61,"end":1804.01,"confidence":0.9994748,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.0021998733282089233},{"word":"to","start":1804.01,"end":1804.51,"confidence":0.9978154,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00925828143954277},{"word":"could","start":1804.9701,"end":1805.29,"confidence":0.999278,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.0065199583768844604},{"word":"i","start":1805.29,"end":1805.77,"confidence":0.99972576,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.003400314599275589},{"word":"add","start":1805.77,"end":1805.93,"confidence":0.998307,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.01447226107120514},{"word":"a","start":1805.93,"end":1806.17,"confidence":0.9985838,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.010551685467362404},{"word":"policy","start":1806.17,"end":1806.67,"confidence":0.99993515,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":0.009498968720436096},{"word":"for","start":1806.9701,"end":1807.4701,"confidence":0.9995571,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.01630033552646637},{"word":"rhiannon","start":1808.41,"end":1808.91,"confidence":0.8131424,"punctuated_word":"Rhiannon?","sentiment":"neutral","sentiment_score":0.008528755977749825},{"word":"or","start":1810.25,"end":1810.49,"confidence":0.94863224,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.027044860646128654},{"word":"does","start":1810.49,"end":1810.81,"confidence":0.99212354,"punctuated_word":"does","sentiment":"neutral","sentiment_score":-0.0261481124907732},{"word":"rhiannon","start":1810.81,"end":1811.31,"confidence":0.9996545,"punctuated_word":"Rhiannon","sentiment":"neutral","sentiment_score":-0.010255763307213783},{"word":"need","start":1811.37,"end":1811.61,"confidence":0.9806583,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.02381836250424385},{"word":"to","start":1811.61,"end":1811.77,"confidence":0.99775934,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.009592775255441666},{"word":"add","start":1811.77,"end":1811.93,"confidence":0.997813,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.00558987632393837},{"word":"a","start":1811.93,"end":1812.0901,"confidence":0.98791414,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004179496318101883},{"word":"policy","start":1812.0901,"end":1812.5901,"confidence":0.9999448,"punctuated_word":"policy","sentiment":"neutral","sentiment_score":-0.014935098588466644},{"word":"for","start":1812.65,"end":1812.89,"confidence":0.99906224,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.018418539315462112},{"word":"herself","start":1812.89,"end":1813.39,"confidence":0.9676362,"punctuated_word":"herself?","sentiment":"neutral","sentiment_score":-0.01960405707359314},{"word":"no","start":1825.325,"end":1825.825,"confidence":0.9183768,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.15969830751419067},{"word":"yeah","start":1837.13,"end":1837.63,"confidence":0.82344365,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01733824983239174},{"word":"it","start":1845.025,"end":1845.265,"confidence":0.9339563,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.008224982768297195},{"word":"is","start":1845.265,"end":1845.585,"confidence":0.70963347,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.014474433846771715},{"word":"yeah","start":1845.585,"end":1846.085,"confidence":0.7155844,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.005539434030652046},{"word":"okay","start":1848.225,"end":1848.725,"confidence":0.69729346,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.02262287959456444},{"word":"yeah","start":1853.745,"end":1854.245,"confidence":0.90207124,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.04344380646944046},{"word":"okay","start":1862.5,"end":1863.0,"confidence":0.8338159,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.07327797263860703},{"word":"yeah","start":1867.22,"end":1867.72,"confidence":0.9980168,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2004747837781906},{"word":"yeah","start":1874.835,"end":1875.335,"confidence":0.9558904,"punctuated_word":"Yeah.","sentiment":"positive","sentiment_score":0.348567396402359},{"word":"yes","start":1896.65,"end":1897.13,"confidence":0.89470565,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.14309829473495483},{"word":"yeah","start":1897.13,"end":1897.53,"confidence":0.8884815,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2114638388156891},{"word":"i","start":1897.53,"end":1897.6901,"confidence":0.97552437,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2470036745071411},{"word":"might","start":1897.6901,"end":1898.17,"confidence":0.9478062,"punctuated_word":"might","sentiment":"positive","sentiment_score":0.3546202480792999},{"word":"yeah","start":1898.41,"end":1898.5701,"confidence":0.96365136,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0994965359568596},{"word":"i","start":1898.5701,"end":1898.7301,"confidence":0.9839655,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08261857181787491},{"word":"might","start":1898.7301,"end":1899.165,"confidence":0.70489764,"punctuated_word":"might,","sentiment":"neutral","sentiment_score":0.0655815601348877},{"word":"yeah","start":1899.7251,"end":1900.045,"confidence":0.9785706,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.07297547161579132},{"word":"i","start":1900.045,"end":1900.125,"confidence":0.7030148,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07247216999530792},{"word":"might","start":1900.125,"end":1900.365,"confidence":0.999509,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.04653126746416092},{"word":"have","start":1900.365,"end":1900.605,"confidence":0.9977584,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.06270930916070938},{"word":"a","start":1900.605,"end":1900.645,"confidence":0.9428203,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04655056074261665},{"word":"i'll","start":1900.685,"end":1900.925,"confidence":0.99661285,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.045662276446819305},{"word":"have","start":1900.925,"end":1901.0851,"confidence":0.9678506,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05615760385990143},{"word":"her","start":1901.0851,"end":1901.245,"confidence":0.6431329,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.03499419987201691},{"word":"speak","start":1901.245,"end":1901.485,"confidence":0.9958476,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":0.06188469007611275},{"word":"to","start":1901.485,"end":1901.645,"confidence":0.99842227,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05816154181957245},{"word":"her","start":1901.645,"end":1901.7251,"confidence":0.99793065,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.04705352708697319},{"word":"and","start":1901.7251,"end":1901.9651,"confidence":0.9936521,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06933139264583588},{"word":"say","start":1901.9651,"end":1902.125,"confidence":0.91061467,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.07640407979488373},{"word":"what","start":1902.125,"end":1902.365,"confidence":0.9991252,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.07568792998790741},{"word":"she","start":1902.365,"end":1902.525,"confidence":0.999689,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.06731618940830231},{"word":"wants","start":1902.525,"end":1902.765,"confidence":0.9998416,"punctuated_word":"wants","sentiment":"neutral","sentiment_score":0.04295125231146813},{"word":"to","start":1902.765,"end":1902.925,"confidence":0.99974006,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05532049387693405},{"word":"do","start":1902.925,"end":1903.165,"confidence":0.9835005,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.0560893751680851},{"word":"but","start":1903.165,"end":1903.3251,"confidence":0.99976736,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07440869510173798},{"word":"it's","start":1903.3251,"end":1903.485,"confidence":0.99957263,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.08259953558444977},{"word":"probably","start":1903.485,"end":1903.885,"confidence":0.99905485,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.0983128473162651},{"word":"not","start":1903.885,"end":1904.125,"confidence":0.9996625,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.06657369434833527},{"word":"a","start":1904.125,"end":1904.2051,"confidence":0.99567646,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.016027912497520447},{"word":"bad","start":1904.2051,"end":1904.4451,"confidence":0.99988556,"punctuated_word":"bad","sentiment":"neutral","sentiment_score":0.008505396544933319},{"word":"idea","start":1904.4451,"end":1904.9451,"confidence":0.99885106,"punctuated_word":"idea.","sentiment":"neutral","sentiment_score":0.05314397066831589},{"word":"yep","start":1910.925,"end":1911.18,"confidence":0.7261634,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2595621347427368},{"word":"easy","start":1919.18,"end":1919.68,"confidence":0.70672965,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.26702848076820374},{"word":"okay","start":1923.995,"end":1924.495,"confidence":0.6191941,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.34302371740341187},{"word":"easy","start":1926.955,"end":1927.355,"confidence":0.17619477,"punctuated_word":"Easy","sentiment":"positive","sentiment_score":0.6926186680793762},{"word":"done","start":1927.355,"end":1927.855,"confidence":0.65208936,"punctuated_word":"done.","sentiment":"positive","sentiment_score":0.617658257484436},{"word":"yep","start":1937.49,"end":1937.99,"confidence":0.86069345,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13474872708320618},{"word":"easy","start":1948.85,"end":1949.35,"confidence":0.7201048,"punctuated_word":"Easy.","sentiment":"neutral","sentiment_score":0.15851230919361117},{"word":"no","start":1949.49,"end":1949.8099,"confidence":0.5759871,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1107580065727234},{"word":"why","start":1949.8099,"end":1949.97,"confidence":0.97173786,"punctuated_word":"Why","sentiment":"neutral","sentiment_score":-0.1834532916545868},{"word":"is","start":1949.97,"end":1950.13,"confidence":0.9641667,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.08371835201978683},{"word":"that","start":1950.13,"end":1950.37,"confidence":0.9614106,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.018620342016220093},{"word":"all","start":1950.37,"end":1950.795,"confidence":0.8709415,"punctuated_word":"all?","sentiment":"neutral","sentiment_score":-0.014179982244968414},{"word":"alright","start":1952.7151,"end":1953.2151,"confidence":0.9672414,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.6531566381454468},{"word":"well","start":1953.275,"end":1953.775,"confidence":0.6154337,"punctuated_word":"Well,","sentiment":"positive","sentiment_score":0.5789499282836914},{"word":"thank","start":1953.995,"end":1954.495,"confidence":0.870379,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.7813807129859924},{"word":"you","start":1956.3151,"end":1956.7151,"confidence":0.7482325,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.5655925869941711},{"word":"thank","start":1956.7151,"end":1956.9551,"confidence":0.9983516,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6726772785186768},{"word":"you","start":1956.9551,"end":1957.1951,"confidence":0.99980813,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7318370938301086},{"word":"kindly","start":1957.1951,"end":1957.675,"confidence":0.74493444,"punctuated_word":"kindly.","sentiment":"positive","sentiment_score":0.6563794612884521},{"word":"thanks","start":1957.675,"end":1957.995,"confidence":0.9989324,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.7228584289550781},{"word":"for","start":1957.995,"end":1958.155,"confidence":0.9944772,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7984747886657715},{"word":"the","start":1958.155,"end":1958.3151,"confidence":0.9998104,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7902978658676147},{"word":"call","start":1958.3151,"end":1958.8151,"confidence":0.9997833,"punctuated_word":"call.","sentiment":"positive","sentiment_score":0.6914699077606201},{"word":"alright","start":1967.05,"end":1967.45,"confidence":0.74959326,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.24075667560100555},{"word":"no","start":1967.45,"end":1967.69,"confidence":0.9937875,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.23738011717796328},{"word":"worries","start":1967.69,"end":1968.01,"confidence":0.9991788,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.1734408438205719},{"word":"at","start":1968.01,"end":1968.17,"confidence":0.9542154,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2965606451034546},{"word":"all","start":1968.17,"end":1968.49,"confidence":0.9982932,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.3418307900428772},{"word":"appreciate","start":1968.49,"end":1968.89,"confidence":0.948718,"punctuated_word":"Appreciate","sentiment":"positive","sentiment_score":0.5870660543441772},{"word":"it","start":1968.89,"end":1969.39,"confidence":0.9993994,"punctuated_word":"it.","sentiment":"positive","sentiment_score":0.3828355669975281},{"word":"alright","start":1972.17,"end":1972.67,"confidence":0.97581875,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.3762535452842712},{"word":"you","start":1972.89,"end":1973.13,"confidence":0.99626607,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.3747453093528747},{"word":"too","start":1973.13,"end":1973.53,"confidence":0.99208003,"punctuated_word":"too.","sentiment":"positive","sentiment_score":0.35724079608917236},{"word":"see","start":1973.53,"end":1973.77,"confidence":0.99518037,"punctuated_word":"See","sentiment":"positive","sentiment_score":0.35479381680488586},{"word":"you","start":1973.77,"end":1974.27,"confidence":0.9969897,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.414180189371109},{"word":"bye","start":1975.21,"end":1975.45,"confidence":0.95554215,"punctuated_word":"Bye","sentiment":"neutral","sentiment_score":0.1171109676361084},{"word":"bye","start":1975.45,"end":1975.95,"confidence":0.99025476,"punctuated_word":"bye.","sentiment":"neutral","sentiment_score":-0.10807353258132936}],"paragraphs":{"transcript":"\nHello? Good, Dana. How are you? Yep. Yeah.\n\nOf course. Yep. Would very good. Yeah. Our our son arrived two weeks.\n\nIs it two weeks? A week and a bit ago now. So thanks. So yes. Yeah.\n\nSo that's all happened now. So, yeah. It's pretty wild. It's very wild. Bit sleep deprived, a bit of this, bit of that.\n\nYeah. That's no. That's exactly right. Yeah. Yep.\n\nNo. That's alright. No. What's Yeah. Tyler Steven Follett.\n\nThe twentieth of the third nineteen ninety three and eighteen slash twenty four Caddington Place, Helensvale. My my emails are browsing for some reason. I've seen that pop up on circles. See if I can It's because I got one bar once. Mhmm.\n\nYeah. Yep. No. Just run through it, and then we can and then I can review it. Yeah.\n\nYeah. Yeah. It takes a free time when I'm at home. That's for sure. Yeah.\n\nYeah. That's exactly right. Yep. Yep. Okay.\n\nYeah. Not a problem at all. Yes. Thank you, Connolly. That's when you're, like, oh, you can email me tomorrow.\n\nI was thinking in my head that I probably won't. Yeah. Of course. Yeah. I gotcha.\n\nYeah. I will. I will. I got the dials, so that's a plus. Yep.\n\nYeah. Mhmm. Yeah. Yeah. I was saying that.\n\nYep. Yep. Yeah. Yep. Yep.\n\nYeah. Sway. Yeah. Okay. No worries.\n\nYep. Yep. Yeah. Yeah. Yeah.\n\nYeah. Yes. Correct. Yep. Yeah.\n\nRighty o. Yeah. Yes. Yeah. Yeah.\n\nOkay. Yep. Yeah. Yep. Yeah.\n\nGotcha. Yeah. Yeah. Yep. Yeah.\n\nYeah. Yep. It does. Mhmm. Yeah.\n\nYeah. Sweet. Yeah. Yeah. Of course.\n\nYeah. No. I understand. Skype out loud. Okay.\n\nYep. Yeah. Yep. Okay. And that's indexed too.\n\nSo as his life goes on and gets yeah. Okay. Yeah. Yeah. Yep.\n\nYeah. Yeah. So it's better to it is it is better to do it now because he has no underwriting. Right? Because he's well, he's he's too he's he hasn't been in had any conditions.\n\nLet's put it that way. Yeah. Yeah. Yeah. No.\n\nSure. Yep. Yeah. Yeah. Yep.\n\nNo. That's alright. Neither am I. It makes sense anyway. Yeah.\n\nYeah. Yeah. Yeah. That's okay. Yes.\n\nYeah. Yep. Yep. Cool. Yeah.\n\nYeah. Yeah. Yeah. Gotcha. Yep.\n\nYep. Yeah. Yeah. Yeah. Yeah.\n\nYeah. True. No. No. That's that's all pretty well.\n\nLike, that coming out pretty cost effective. I mean, nothing that's that's nothing really. I do I mean, I do it do it for him. And then when the new boy's he's two, I'll do the same. And then, yeah, I'll just keep adding adding on to mine.\n\nYeah. Yeah. They are. Yeah. That's at least two boxes of nappies so far.\n\nYeah. Easy. Yeah. Yeah. I can't I can't remember, but that's alright.\n\nIf I need a solicitor, I've I've I've got one. I've used one before, so I've used them again. Yeah. Yeah. Exactly right.\n\nMhmm. Okay. Yeah. Yeah. Yeah.\n\nDaisy. Yeah. I'll know. No. Easy.\n\nThat's okay. Yeah. No. I'm not. That's that's that's like that's okay.\n\nI know. Yeah. I know what's going on. The perks have been Madison's brother. Yeah.\n\nA z diamond. Not a z. Yep. Easy. And one one other question is if I was to could I add a policy for Rhiannon?\n\nOr does Rhiannon need to add a policy for herself? No. Yeah. It is. Yeah.\n\nOkay. Yeah. Okay. Yeah. Yeah.\n\nYes. Yeah. I might yeah. I might, yeah, I might have a I'll have her speak to her and say what she wants to do, but it's probably not a bad idea. Yep.\n\nEasy. Okay. Easy done. Yep. Easy.\n\nNo. Why is that all? Alright. Well, thank you. Thank you kindly.\n\nThanks for the call. Alright. No worries at all. Appreciate it. Alright.\n\nYou too. See you. Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.02896818518638611},{"text":"Good, Dana.","start":7.2,"end":8.0,"sentiment":"positive","sentiment_score":0.4578134715557098},{"text":"How are you?","start":8.0,"end":8.82,"sentiment":"positive","sentiment_score":0.34357864658037823},{"text":"Yep.","start":13.92,"end":14.42,"sentiment":"neutral","sentiment_score":0.22836518287658691},{"text":"Yeah.","start":15.264999,"end":15.585,"sentiment":"neutral","sentiment_score":0.09473824501037598}],"sentiment":"neutral","sentiment_score":0.2873043119907379,"num_words":8,"start":1.8399999,"end":15.585},{"sentences":[{"text":"Of course.","start":15.585,"end":16.225,"sentiment":"neutral","sentiment_score":0.1422969400882721},{"text":"Yep.","start":16.225,"end":16.725,"sentiment":"neutral","sentiment_score":0.19286048412323},{"text":"Would very good.","start":19.505,"end":20.805,"sentiment":"positive","sentiment_score":0.48776566982269287},{"text":"Yeah.","start":25.105,"end":25.605,"sentiment":"neutral","sentiment_score":0.05741399526596069},{"text":"Our our son arrived two weeks.","start":26.465,"end":28.5,"sentiment":"neutral","sentiment_score":0.08768746008475621}],"sentiment":"neutral","sentiment_score":0.19417616381095007,"num_words":13,"start":15.585,"end":28.5},{"sentences":[{"text":"Is it two weeks?","start":28.58,"end":29.7,"sentiment":"neutral","sentiment_score":0.04758781939744949},{"text":"A week and a bit ago now.","start":29.7,"end":31.32,"sentiment":"neutral","sentiment_score":0.09673109969922475},{"text":"So thanks.","start":31.619999,"end":34.36,"sentiment":"neutral","sentiment_score":0.3138832077383995},{"text":"So yes.","start":34.66,"end":36.2,"sentiment":"neutral","sentiment_score":0.19944362342357635},{"text":"Yeah.","start":39.059998,"end":39.559998,"sentiment":"positive","sentiment_score":0.4296315312385559}],"sentiment":"neutral","sentiment_score":0.14523463556542993,"num_words":16,"start":28.58,"end":39.559998},{"sentences":[{"text":"So that's all happened now.","start":41.22,"end":42.9,"sentiment":"neutral","sentiment_score":0.2534970253705978},{"text":"So, yeah.","start":42.9,"end":46.345,"sentiment":"positive","sentiment_score":0.34162700176239014},{"text":"It's pretty wild.","start":48.445,"end":51.864998,"sentiment":"neutral","sentiment_score":0.09098020320137341},{"text":"It's very wild.","start":51.925,"end":55.225,"sentiment":"neutral","sentiment_score":0.13331407060225806},{"text":"Bit sleep deprived, a bit of this, bit of that.","start":56.485,"end":59.489998,"sentiment":"neutral","sentiment_score":-0.11220471188426018}],"sentiment":"neutral","sentiment_score":0.0652858623020027,"num_words":23,"start":41.22,"end":59.489998},{"sentences":[{"text":"Yeah.","start":61.95,"end":62.45,"sentiment":"neutral","sentiment_score":0.028321968391537663},{"text":"That's no.","start":64.67,"end":66.75,"sentiment":"neutral","sentiment_score":-0.013868157286196949},{"text":"That's exactly right.","start":66.75,"end":68.21,"sentiment":"neutral","sentiment_score":0.01741113265355428},{"text":"Yeah.","start":70.35,"end":70.85,"sentiment":"neutral","sentiment_score":0.1016828715801239},{"text":"Yep.","start":77.275,"end":77.775,"sentiment":"neutral","sentiment_score":0.04103086143732071}],"sentiment":"neutral","sentiment_score":0.024441598099656403,"num_words":8,"start":61.95,"end":77.775},{"sentences":[{"text":"No.","start":89.53,"end":89.77,"sentiment":"neutral","sentiment_score":-0.1107966974377632},{"text":"That's alright.","start":89.77,"end":90.649994,"sentiment":"neutral","sentiment_score":-0.08905027434229851},{"text":"No.","start":90.649994,"end":90.89,"sentiment":"neutral","sentiment_score":-0.05242440477013588},{"text":"What's Yeah.","start":90.89,"end":101.465,"sentiment":"neutral","sentiment_score":0.029362604953348637},{"text":"Tyler Steven Follett.","start":108.884995,"end":110.405,"sentiment":"neutral","sentiment_score":0.010287319620450338}],"sentiment":"neutral","sentiment_score":-0.027970498013827536,"num_words":9,"start":89.53,"end":110.405},{"sentences":[{"text":"The twentieth of the third nineteen ninety three and eighteen slash twenty four Caddington Place, Helensvale.","start":110.405,"end":117.28,"sentiment":"neutral","sentiment_score":0.010951110860332847},{"text":"My my emails are browsing for some reason.","start":129.685,"end":132.72499,"sentiment":"neutral","sentiment_score":-0.04327243869192898},{"text":"I've seen that pop up on circles.","start":132.72499,"end":134.745,"sentiment":"neutral","sentiment_score":-0.0026929041902933803},{"text":"See if I can It's because I got one bar once.","start":134.805,"end":162.855,"sentiment":"neutral","sentiment_score":0.016419255598024887},{"text":"Mhmm.","start":162.915,"end":163.415,"sentiment":"neutral","sentiment_score":0.04071049392223358}],"sentiment":"neutral","sentiment_score":0.00073279628833366,"num_words":43,"start":110.405,"end":163.415},{"sentences":[{"text":"Yeah.","start":171.635,"end":172.135,"sentiment":"neutral","sentiment_score":0.08229528367519379},{"text":"Yep.","start":176.61,"end":177.11,"sentiment":"neutral","sentiment_score":0.011758280918002129},{"text":"No.","start":179.33,"end":179.73,"sentiment":"neutral","sentiment_score":-0.02117791771888733},{"text":"Just run through it, and then we can and then I can review it.","start":179.73,"end":183.26999,"sentiment":"neutral","sentiment_score":0.017695212603679726},{"text":"Yeah.","start":186.12999,"end":186.62999,"sentiment":"neutral","sentiment_score":0.14917725324630737}],"sentiment":"neutral","sentiment_score":0.02609921536511845,"num_words":18,"start":171.635,"end":186.62999},{"sentences":[{"text":"Yeah.","start":189.375,"end":189.535,"sentiment":"neutral","sentiment_score":0.09238293766975404},{"text":"Yeah.","start":189.535,"end":190.035,"sentiment":"neutral","sentiment_score":0.07184595614671707},{"text":"It takes a free time when I'm at home.","start":190.335,"end":192.335,"sentiment":"neutral","sentiment_score":0.08289123906029595},{"text":"That's for sure.","start":192.335,"end":193.315,"sentiment":"neutral","sentiment_score":0.11773702005545299},{"text":"Yeah.","start":197.695,"end":198.195,"sentiment":"neutral","sentiment_score":-0.014900926500558851}],"sentiment":"neutral","sentiment_score":0.08323734526832899,"num_words":15,"start":189.375,"end":198.195},{"sentences":[{"text":"Yeah.","start":202.66,"end":203.16,"sentiment":"neutral","sentiment_score":0.15615028142929077},{"text":"That's exactly right.","start":203.22,"end":204.76,"sentiment":"neutral","sentiment_score":0.2920352816581726},{"text":"Yep.","start":212.81999,"end":213.31999,"sentiment":"neutral","sentiment_score":0.11612887680530548},{"text":"Yep.","start":224.395,"end":224.895,"sentiment":"neutral","sentiment_score":-0.012551172636449335},{"text":"Okay.","start":231.87001,"end":232.37001,"sentiment":"neutral","sentiment_score":0.17912164330482483}],"sentiment":"neutral","sentiment_score":0.18785078198249852,"num_words":7,"start":202.66,"end":232.37001},{"sentences":[{"text":"Yeah.","start":237.47,"end":237.97,"sentiment":"neutral","sentiment_score":0.12377925217151642},{"text":"Not a problem at all.","start":238.03,"end":239.33,"sentiment":"positive","sentiment_score":0.4014508068561554},{"text":"Yes.","start":258.73,"end":259.23,"sentiment":"neutral","sentiment_score":0.2239477336406708},{"text":"Thank you, Connolly.","start":270.665,"end":271.885,"sentiment":"positive","sentiment_score":0.5186055998007456},{"text":"That's when you're, like, oh, you can email me tomorrow.","start":271.945,"end":274.985,"sentiment":"neutral","sentiment_score":0.10925357788801193}],"sentiment":"neutral","sentiment_score":0.250166679918766,"num_words":20,"start":237.47,"end":274.985},{"sentences":[{"text":"I was thinking in my head that I probably won't.","start":274.985,"end":277.405,"sentiment":"neutral","sentiment_score":-0.11235501691699028},{"text":"Yeah.","start":282.905,"end":283.305,"sentiment":"neutral","sentiment_score":-0.008024647831916809},{"text":"Of course.","start":283.305,"end":283.965,"sentiment":"neutral","sentiment_score":0.0021884487941861153},{"text":"Yeah.","start":287.44,"end":287.76,"sentiment":"neutral","sentiment_score":-0.006100483238697052},{"text":"I gotcha.","start":287.76,"end":288.34,"sentiment":"neutral","sentiment_score":-0.03181997127830982}],"sentiment":"neutral","sentiment_score":-0.07480864657554775,"num_words":16,"start":274.985,"end":288.34},{"sentences":[{"text":"Yeah.","start":295.68,"end":296.18,"sentiment":"neutral","sentiment_score":0.14055556058883667},{"text":"I will.","start":297.68,"end":298.42,"sentiment":"neutral","sentiment_score":0.33234888315200806},{"text":"I will.","start":300.145,"end":300.465,"sentiment":"neutral","sentiment_score":0.14588169008493423},{"text":"I got the dials, so that's a plus.","start":300.465,"end":302.645,"sentiment":"neutral","sentiment_score":0.13634296879172325},{"text":"Yep.","start":315.6,"end":316.1,"sentiment":"neutral","sentiment_score":0.09300097078084946}],"sentiment":"neutral","sentiment_score":0.1629115305840969,"num_words":14,"start":295.68,"end":316.1},{"sentences":[{"text":"Yeah.","start":320.56,"end":321.06,"sentiment":"neutral","sentiment_score":0.013878767378628254},{"text":"Mhmm.","start":324.88,"end":325.38,"sentiment":"neutral","sentiment_score":0.003643940202891826},{"text":"Yeah.","start":339.925,"end":340.425,"sentiment":"neutral","sentiment_score":-0.10905835032463074},{"text":"Yeah.","start":341.81,"end":342.21,"sentiment":"neutral","sentiment_score":-0.04116961359977722},{"text":"I was saying that.","start":342.21,"end":343.17,"sentiment":"neutral","sentiment_score":-0.02163351373746991}],"sentiment":"neutral","sentiment_score":-0.02740491391159594,"num_words":8,"start":320.56,"end":343.17},{"sentences":[{"text":"Yep.","start":343.17,"end":343.67,"sentiment":"neutral","sentiment_score":0.025631006807088852},{"text":"Yep.","start":356.725,"end":357.225,"sentiment":"neutral","sentiment_score":-0.016567949205636978},{"text":"Yeah.","start":365.605,"end":365.76498,"sentiment":"neutral","sentiment_score":0.018183676525950432},{"text":"Yep.","start":365.76498,"end":366.26498,"sentiment":"neutral","sentiment_score":0.03093366138637066},{"text":"Yep.","start":377.77002,"end":378.27002,"sentiment":"neutral","sentiment_score":0.05964108929038048}],"sentiment":"neutral","sentiment_score":0.023564296960830688,"num_words":5,"start":343.17,"end":378.27002},{"sentences":[{"text":"Yeah.","start":380.025,"end":380.525,"sentiment":"neutral","sentiment_score":0.04622986912727356},{"text":"Sway.","start":389.065,"end":389.565,"sentiment":"neutral","sentiment_score":0.09467454999685287},{"text":"Yeah.","start":389.785,"end":390.285,"sentiment":"neutral","sentiment_score":0.19880211353302},{"text":"Okay.","start":423.13,"end":423.53,"sentiment":"neutral","sentiment_score":0.09294681251049042},{"text":"No worries.","start":423.53,"end":424.27,"sentiment":"neutral","sentiment_score":0.21153055131435394}],"sentiment":"neutral","sentiment_score":0.14261907463272414,"num_words":6,"start":380.025,"end":424.27},{"sentences":[{"text":"Yep.","start":433.53,"end":434.03,"sentiment":"neutral","sentiment_score":0.05784860998392105},{"text":"Yep.","start":451.19998,"end":451.69998,"sentiment":"neutral","sentiment_score":0.13455116748809814},{"text":"Yeah.","start":464.975,"end":465.475,"sentiment":"neutral","sentiment_score":0.03009435161948204},{"text":"Yeah.","start":480.1,"end":480.6,"sentiment":"neutral","sentiment_score":-0.11748942732810974},{"text":"Yeah.","start":483.86,"end":484.36,"sentiment":"neutral","sentiment_score":-0.11385753005743028}],"sentiment":"neutral","sentiment_score":-0.0017705656588077572,"num_words":5,"start":433.53,"end":484.36},{"sentences":[{"text":"Yeah.","start":496.915,"end":497.415,"sentiment":"neutral","sentiment_score":-0.07537891715765},{"text":"Yes.","start":505.03,"end":505.34998,"sentiment":"neutral","sentiment_score":0.005562057718634605},{"text":"Correct.","start":505.34998,"end":505.84998,"sentiment":"neutral","sentiment_score":-0.006021318957209587},{"text":"Yep.","start":516.925,"end":517.425,"sentiment":"neutral","sentiment_score":-0.01869954727590084},{"text":"Yeah.","start":525.96497,"end":526.20496,"sentiment":"neutral","sentiment_score":0.10291902720928192}],"sentiment":"neutral","sentiment_score":0.001676260307431221,"num_words":5,"start":496.915,"end":526.20496},{"sentences":[{"text":"Righty o.","start":526.20496,"end":527.185,"sentiment":"neutral","sentiment_score":0.266376331448555},{"text":"Yeah.","start":539.73,"end":540.23,"sentiment":"neutral","sentiment_score":-0.053926996886730194},{"text":"Yes.","start":549.485,"end":549.985,"sentiment":"neutral","sentiment_score":-0.05530283227562904},{"text":"Yeah.","start":573.64,"end":573.975,"sentiment":"neutral","sentiment_score":0.1864684522151947},{"text":"Yeah.","start":577.57495,"end":578.07495,"sentiment":"neutral","sentiment_score":0.12791968882083893}],"sentiment":"neutral","sentiment_score":0.1229851624617974,"num_words":6,"start":526.20496,"end":578.07495},{"sentences":[{"text":"Okay.","start":578.21497,"end":578.71497,"sentiment":"neutral","sentiment_score":0.10785195231437684},{"text":"Yep.","start":609.205,"end":609.705,"sentiment":"neutral","sentiment_score":0.036819398403167725},{"text":"Yeah.","start":646.8,"end":647.3,"sentiment":"neutral","sentiment_score":-0.2314068078994751},{"text":"Yep.","start":710.84,"end":711.34,"sentiment":"positive","sentiment_score":0.3580816686153412},{"text":"Yeah.","start":720.00494,"end":720.50494,"sentiment":"neutral","sentiment_score":-0.03835006803274155}],"sentiment":"neutral","sentiment_score":0.04659922868013382,"num_words":5,"start":578.21497,"end":720.50494},{"sentences":[{"text":"Gotcha.","start":724.56494,"end":725.06494,"sentiment":"neutral","sentiment_score":-0.06311994045972824},{"text":"Yeah.","start":725.365,"end":725.865,"sentiment":"neutral","sentiment_score":0.0429159551858902},{"text":"Yeah.","start":753.205,"end":753.705,"sentiment":"positive","sentiment_score":0.3358806073665619},{"text":"Yep.","start":763.97,"end":764.47,"sentiment":"neutral","sentiment_score":0.03233693167567253},{"text":"Yeah.","start":786.66504,"end":787.16504,"sentiment":"neutral","sentiment_score":-0.02947128377854824}],"sentiment":"neutral","sentiment_score":0.06370845399796962,"num_words":5,"start":724.56494,"end":787.16504},{"sentences":[{"text":"Yeah.","start":812.205,"end":812.705,"sentiment":"neutral","sentiment_score":0.0653964951634407},{"text":"Yep.","start":812.925,"end":813.245,"sentiment":"neutral","sentiment_score":0.10333392024040222},{"text":"It does.","start":813.245,"end":814.065,"sentiment":"neutral","sentiment_score":0.12739412486553192},{"text":"Mhmm.","start":826.26,"end":826.76,"sentiment":"neutral","sentiment_score":0.11995506286621094},{"text":"Yeah.","start":851.38,"end":851.88,"sentiment":"neutral","sentiment_score":0.01956184394657612}],"sentiment":"neutral","sentiment_score":0.0938392619912823,"num_words":6,"start":812.205,"end":851.88},{"sentences":[{"text":"Yeah.","start":863.175,"end":863.675,"sentiment":"neutral","sentiment_score":0.18554365634918213},{"text":"Sweet.","start":863.89496,"end":864.39496,"sentiment":"positive","sentiment_score":0.3549814820289612},{"text":"Yeah.","start":907.10004,"end":907.60004,"sentiment":"neutral","sentiment_score":0.04315468668937683},{"text":"Yeah.","start":940.04,"end":940.44,"sentiment":"neutral","sentiment_score":0.05361087620258331},{"text":"Of course.","start":940.44,"end":941.10004,"sentiment":"neutral","sentiment_score":0.06081228330731392}],"sentiment":"neutral","sentiment_score":0.12648587798078856,"num_words":6,"start":863.175,"end":941.10004},{"sentences":[{"text":"Yeah.","start":958.79004,"end":959.29004,"sentiment":"neutral","sentiment_score":0.005105946213006973},{"text":"No.","start":959.59,"end":959.83,"sentiment":"neutral","sentiment_score":-0.027152324095368385},{"text":"I understand.","start":959.83,"end":960.49,"sentiment":"neutral","sentiment_score":-0.017377073876559734},{"text":"Skype out loud.","start":1017.42004,"end":1018.88,"sentiment":"neutral","sentiment_score":0.1611786832412084},{"text":"Okay.","start":1019.5,"end":1020.0,"sentiment":"neutral","sentiment_score":0.23606768250465393}],"sentiment":"neutral","sentiment_score":0.08285040082409978,"num_words":8,"start":958.79004,"end":1020.0},{"sentences":[{"text":"Yep.","start":1039.42,"end":1039.92,"sentiment":"neutral","sentiment_score":0.1369847059249878},{"text":"Yeah.","start":1050.54,"end":1051.04,"sentiment":"neutral","sentiment_score":0.076713427901268},{"text":"Yep.","start":1059.4451,"end":1059.9451,"sentiment":"neutral","sentiment_score":0.020418820902705193},{"text":"Okay.","start":1071.7001,"end":1071.86,"sentiment":"neutral","sentiment_score":0.026791226118803024},{"text":"And that's indexed too.","start":1071.86,"end":1073.62,"sentiment":"neutral","sentiment_score":0.03583547752350569}],"sentiment":"neutral","sentiment_score":0.050531261367723346,"num_words":8,"start":1039.42,"end":1073.62},{"sentences":[{"text":"So as his life goes on and gets yeah.","start":1073.62,"end":1076.26,"sentiment":"neutral","sentiment_score":0.021214713239007525},{"text":"Okay.","start":1076.26,"end":1076.76,"sentiment":"neutral","sentiment_score":0.0627375915646553},{"text":"Yeah.","start":1077.9401,"end":1078.4401,"sentiment":"neutral","sentiment_score":0.11647913604974748},{"text":"Yeah.","start":1088.635,"end":1089.135,"sentiment":"neutral","sentiment_score":-0.14170533418655396},{"text":"Yep.","start":1110.5549,"end":1111.0549,"sentiment":"neutral","sentiment_score":0.22292613983154297}],"sentiment":"neutral","sentiment_score":0.034720765570035346,"num_words":13,"start":1073.62,"end":1111.0549},{"sentences":[{"text":"Yeah.","start":1124.235,"end":1124.735,"sentiment":"neutral","sentiment_score":0.020276030525565147},{"text":"Yeah.","start":1130.0599,"end":1130.5599,"sentiment":"neutral","sentiment_score":0.06650778651237488},{"text":"So it's better to it is it is better to do it now because he has no underwriting.","start":1150.78,"end":1156.16,"sentiment":"neutral","sentiment_score":0.05482580507588056},{"text":"Right?","start":1156.4601,"end":1156.78,"sentiment":"neutral","sentiment_score":0.034626368433237076},{"text":"Because he's well, he's he's too he's he hasn't been in had any conditions.","start":1156.78,"end":1163.775,"sentiment":"neutral","sentiment_score":-0.0014383675796645029}],"sentiment":"neutral","sentiment_score":0.0310896437349064,"num_words":35,"start":1124.235,"end":1163.775},{"sentences":[{"text":"Let's put it that way.","start":1163.835,"end":1165.055,"sentiment":"neutral","sentiment_score":0.046529282629489896},{"text":"Yeah.","start":1166.0751,"end":1166.5751,"sentiment":"neutral","sentiment_score":0.10437458753585815},{"text":"Yeah.","start":1166.795,"end":1167.295,"sentiment":"neutral","sentiment_score":0.07946419715881348},{"text":"Yeah.","start":1170.3151,"end":1170.8151,"sentiment":"neutral","sentiment_score":0.06659109145402908},{"text":"No.","start":1187.53,"end":1187.61,"sentiment":"neutral","sentiment_score":-0.1898815929889679}],"sentiment":"neutral","sentiment_score":0.03257718847857581,"num_words":9,"start":1163.835,"end":1187.61},{"sentences":[{"text":"Sure.","start":1187.61,"end":1188.11,"sentiment":"neutral","sentiment_score":-0.12934792041778564},{"text":"Yep.","start":1188.17,"end":1188.585,"sentiment":"neutral","sentiment_score":0.04974205791950226},{"text":"Yeah.","start":1190.265,"end":1190.765,"sentiment":"neutral","sentiment_score":0.13697665929794312},{"text":"Yeah.","start":1196.4249,"end":1196.9249,"sentiment":"positive","sentiment_score":0.38799911737442017},{"text":"Yep.","start":1235.2401,"end":1235.7401,"sentiment":"neutral","sentiment_score":-0.04091161489486694}],"sentiment":"neutral","sentiment_score":0.0808916598558426,"num_words":5,"start":1187.61,"end":1235.7401},{"sentences":[{"text":"No.","start":1245.715,"end":1245.875,"sentiment":"neutral","sentiment_score":-0.14575451612472534},{"text":"That's alright.","start":1245.875,"end":1246.6749,"sentiment":"neutral","sentiment_score":-0.09524159878492355},{"text":"Neither am I.","start":1246.6749,"end":1247.475,"sentiment":"neutral","sentiment_score":-0.12253895153601964},{"text":"It makes sense anyway.","start":1247.475,"end":1248.695,"sentiment":"neutral","sentiment_score":-0.06796108558773994},{"text":"Yeah.","start":1265.18,"end":1265.68,"sentiment":"neutral","sentiment_score":0.022275026887655255}],"sentiment":"neutral","sentiment_score":-0.086674898524176,"num_words":11,"start":1245.715,"end":1265.68},{"sentences":[{"text":"Yeah.","start":1282.265,"end":1282.765,"sentiment":"neutral","sentiment_score":-0.007172867655754089},{"text":"Yeah.","start":1284.79,"end":1285.29,"sentiment":"neutral","sentiment_score":0.19021959602832791},{"text":"Yeah.","start":1292.07,"end":1292.57,"sentiment":"neutral","sentiment_score":0.2239757776260376},{"text":"That's okay.","start":1303.0851,"end":1303.8251,"sentiment":"neutral","sentiment_score":0.08537298627197742},{"text":"Yes.","start":1324.13,"end":1324.63,"sentiment":"neutral","sentiment_score":0.04080714285373688}],"sentiment":"neutral","sentiment_score":0.10309593689938386,"num_words":6,"start":1282.265,"end":1324.63},{"sentences":[{"text":"Yeah.","start":1327.435,"end":1327.935,"sentiment":"neutral","sentiment_score":0.053820546716451645},{"text":"Yep.","start":1348.3899,"end":1348.8899,"sentiment":"positive","sentiment_score":0.4319244623184204},{"text":"Yep.","start":1349.83,"end":1350.255,"sentiment":"neutral","sentiment_score":0.2751315236091614},{"text":"Cool.","start":1359.615,"end":1360.115,"sentiment":"positive","sentiment_score":0.3527128994464874},{"text":"Yeah.","start":1371.8,"end":1372.3,"sentiment":"neutral","sentiment_score":0.1582549661397934}],"sentiment":"neutral","sentiment_score":0.25436887964606286,"num_words":5,"start":1327.435,"end":1372.3},{"sentences":[{"text":"Yeah.","start":1380.4149,"end":1380.9149,"sentiment":"neutral","sentiment_score":0.11044758558273315},{"text":"Yeah.","start":1386.815,"end":1387.315,"sentiment":"neutral","sentiment_score":0.20422136783599856},{"text":"Yeah.","start":1395.8999,"end":1396.2999,"sentiment":"neutral","sentiment_score":0.02573936991393566},{"text":"Gotcha.","start":1396.2999,"end":1396.7999,"sentiment":"neutral","sentiment_score":-0.004581806715577841},{"text":"Yep.","start":1396.94,"end":1397.44,"sentiment":"neutral","sentiment_score":-0.01774808019399643}],"sentiment":"neutral","sentiment_score":0.06361568728461861,"num_words":5,"start":1380.4149,"end":1397.44},{"sentences":[{"text":"Yep.","start":1430.31,"end":1430.81,"sentiment":"neutral","sentiment_score":-0.17089083790779114},{"text":"Yeah.","start":1431.91,"end":1432.41,"sentiment":"neutral","sentiment_score":-0.02740640938282013},{"text":"Yeah.","start":1432.47,"end":1432.97,"sentiment":"neutral","sentiment_score":-0.034178029745817184},{"text":"Yeah.","start":1436.045,"end":1436.545,"sentiment":"positive","sentiment_score":0.3916386365890503},{"text":"Yeah.","start":1452.86,"end":1453.36,"sentiment":"neutral","sentiment_score":0.0842459499835968}],"sentiment":"neutral","sentiment_score":0.04868186190724373,"num_words":5,"start":1430.31,"end":1453.36},{"sentences":[{"text":"Yeah.","start":1460.06,"end":1460.56,"sentiment":"neutral","sentiment_score":0.08160857856273651},{"text":"True.","start":1461.42,"end":1461.92,"sentiment":"neutral","sentiment_score":0.06914924085140228},{"text":"No.","start":1466.575,"end":1466.895,"sentiment":"neutral","sentiment_score":-0.1112988144159317},{"text":"No.","start":1466.895,"end":1467.375,"sentiment":"neutral","sentiment_score":-0.11806203424930573},{"text":"That's that's all pretty well.","start":1467.375,"end":1469.135,"sentiment":"neutral","sentiment_score":-0.12060794979333878}],"sentiment":"neutral","sentiment_score":-0.0757380864686436,"num_words":9,"start":1460.06,"end":1469.135},{"sentences":[{"text":"Like, that coming out pretty cost effective.","start":1469.135,"end":1471.235,"sentiment":"neutral","sentiment_score":-0.0576169951153653},{"text":"I mean, nothing that's that's nothing really.","start":1471.2949,"end":1474.015,"sentiment":"neutral","sentiment_score":-0.03479459362902811},{"text":"I do I mean, I do it do it for him.","start":1474.015,"end":1476.48,"sentiment":"neutral","sentiment_score":0.13476877981288868},{"text":"And then when the new boy's he's two, I'll do the same.","start":1476.48,"end":1480.5801,"sentiment":"neutral","sentiment_score":0.09029876937468846},{"text":"And then, yeah, I'll just keep adding adding on to mine.","start":1482.0801,"end":1485.38,"sentiment":"neutral","sentiment_score":0.02949703484773636}],"sentiment":"neutral","sentiment_score":0.04674225151150798,"num_words":48,"start":1469.135,"end":1485.38},{"sentences":[{"text":"Yeah.","start":1505.5,"end":1506.0,"sentiment":"neutral","sentiment_score":0.0796249657869339},{"text":"Yeah.","start":1507.9,"end":1508.4,"sentiment":"neutral","sentiment_score":0.013186506927013395},{"text":"They are.","start":1525.095,"end":1525.575,"sentiment":"neutral","sentiment_score":-0.06895951181650162},{"text":"Yeah.","start":1525.575,"end":1525.815,"sentiment":"neutral","sentiment_score":-0.02358362264931202},{"text":"That's at least two boxes of nappies so far.","start":1525.815,"end":1528.71,"sentiment":"neutral","sentiment_score":-0.05718571568528811}],"sentiment":"neutral","sentiment_score":-0.04166875819542578,"num_words":14,"start":1505.5,"end":1528.71},{"sentences":[{"text":"Yeah.","start":1545.125,"end":1545.4451,"sentiment":"neutral","sentiment_score":0.29617998003959656},{"text":"Easy.","start":1545.4451,"end":1545.9451,"sentiment":"positive","sentiment_score":0.4334409236907959},{"text":"Yeah.","start":1556.1901,"end":1556.6901,"sentiment":"neutral","sentiment_score":0.09359022229909895},{"text":"Yeah.","start":1567.855,"end":1568.355,"sentiment":"neutral","sentiment_score":0.13521727919578552},{"text":"I can't I can't remember, but that's alright.","start":1578.4149,"end":1581.0549,"sentiment":"neutral","sentiment_score":-0.042245457763783634}],"sentiment":"neutral","sentiment_score":0.05170539525958399,"num_words":12,"start":1545.125,"end":1581.0549},{"sentences":[{"text":"If I need a solicitor, I've I've I've got one.","start":1581.0549,"end":1584.87,"sentiment":"neutral","sentiment_score":0.09560178034007549},{"text":"I've used one before, so I've used them again.","start":1584.87,"end":1587.5299,"sentiment":"neutral","sentiment_score":0.26085399753517574},{"text":"Yeah.","start":1603.725,"end":1604.225,"sentiment":"neutral","sentiment_score":0.13004490733146667},{"text":"Yeah.","start":1612.5801,"end":1612.9801,"sentiment":"neutral","sentiment_score":0.17842429876327515},{"text":"Exactly right.","start":1612.9801,"end":1614.04,"sentiment":"positive","sentiment_score":0.3338279724121094}],"sentiment":"neutral","sentiment_score":0.18607951878853465,"num_words":23,"start":1581.0549,"end":1614.04},{"sentences":[{"text":"Mhmm.","start":1639.37,"end":1639.87,"sentiment":"neutral","sentiment_score":0.0462384894490242},{"text":"Okay.","start":1643.61,"end":1644.11,"sentiment":"neutral","sentiment_score":0.06158110499382019},{"text":"Yeah.","start":1647.45,"end":1647.95,"sentiment":"neutral","sentiment_score":-0.048587169498205185},{"text":"Yeah.","start":1651.9299,"end":1652.4299,"sentiment":"positive","sentiment_score":0.4578196406364441},{"text":"Yeah.","start":1658.635,"end":1659.135,"sentiment":"neutral","sentiment_score":-0.001284657046198845}],"sentiment":"neutral","sentiment_score":0.10315348170697689,"num_words":5,"start":1639.37,"end":1659.135},{"sentences":[{"text":"Daisy.","start":1662.3151,"end":1662.8151,"sentiment":"neutral","sentiment_score":0.04855688288807869},{"text":"Yeah.","start":1684.045,"end":1684.365,"sentiment":"neutral","sentiment_score":0.0239630788564682},{"text":"I'll know.","start":1684.365,"end":1685.105,"sentiment":"neutral","sentiment_score":0.02883914578706026},{"text":"No.","start":1685.965,"end":1686.2051,"sentiment":"neutral","sentiment_score":0.11057065427303314},{"text":"Easy.","start":1686.2051,"end":1686.7051,"sentiment":"neutral","sentiment_score":0.2602585256099701}],"sentiment":"neutral","sentiment_score":0.08350457220027845,"num_words":6,"start":1662.3151,"end":1686.7051},{"sentences":[{"text":"That's okay.","start":1705.8049,"end":1706.625,"sentiment":"neutral","sentiment_score":0.02037213323637843},{"text":"Yeah.","start":1722.28,"end":1722.76,"sentiment":"neutral","sentiment_score":0.01624329388141632},{"text":"No.","start":1722.76,"end":1723.26,"sentiment":"neutral","sentiment_score":-0.06061583012342453},{"text":"I'm not.","start":1736.8451,"end":1737.665,"sentiment":"neutral","sentiment_score":-0.0720735602080822},{"text":"That's that's that's like that's okay.","start":1737.9651,"end":1740.2051,"sentiment":"neutral","sentiment_score":-0.06900295925637086}],"sentiment":"neutral","sentiment_score":-0.04681609547697008,"num_words":12,"start":1705.8049,"end":1740.2051},{"sentences":[{"text":"I know.","start":1740.2051,"end":1740.605,"sentiment":"neutral","sentiment_score":-0.04624957777559757},{"text":"Yeah.","start":1740.605,"end":1740.765,"sentiment":"neutral","sentiment_score":-0.02387802116572857},{"text":"I know what's going on.","start":1740.765,"end":1742.045,"sentiment":"neutral","sentiment_score":-0.052473926544189455},{"text":"The perks have been Madison's brother.","start":1742.045,"end":1745.185,"sentiment":"positive","sentiment_score":0.5206177135308584},{"text":"Yeah.","start":1749.7201,"end":1750.2201,"sentiment":"neutral","sentiment_score":0.09563682973384856}],"sentiment":"neutral","sentiment_score":0.1893730867654085,"num_words":15,"start":1740.2051,"end":1750.2201},{"sentences":[{"text":"A z diamond.","start":1773.96,"end":1775.1799,"sentiment":"neutral","sentiment_score":0.11214532454808553},{"text":"Not a z.","start":1777.48,"end":1778.62,"sentiment":"neutral","sentiment_score":-0.000810121496518453},{"text":"Yep.","start":1794.225,"end":1794.725,"sentiment":"neutral","sentiment_score":0.24809753894805908},{"text":"Easy.","start":1799.025,"end":1799.505,"sentiment":"positive","sentiment_score":0.43869030475616455},{"text":"And one one other question is if I was to could I add a policy for Rhiannon?","start":1799.505,"end":1808.91,"sentiment":"neutral","sentiment_score":0.05919671294224613}],"sentiment":"neutral","sentiment_score":0.08108550291508436,"num_words":25,"start":1773.96,"end":1808.91},{"sentences":[{"text":"Or does Rhiannon need to add a policy for herself?","start":1810.25,"end":1813.39,"sentiment":"neutral","sentiment_score":-0.014840718917548656},{"text":"No.","start":1825.325,"end":1825.825,"sentiment":"neutral","sentiment_score":-0.15969830751419067},{"text":"Yeah.","start":1837.13,"end":1837.63,"sentiment":"neutral","sentiment_score":-0.01733824983239174},{"text":"It is.","start":1845.025,"end":1845.585,"sentiment":"neutral","sentiment_score":-0.011349708307534456},{"text":"Yeah.","start":1845.585,"end":1846.085,"sentiment":"neutral","sentiment_score":0.005539434030652046}],"sentiment":"neutral","sentiment_score":-0.022840248607099056,"num_words":15,"start":1810.25,"end":1846.085},{"sentences":[{"text":"Okay.","start":1848.225,"end":1848.725,"sentiment":"neutral","sentiment_score":-0.02262287959456444},{"text":"Yeah.","start":1853.745,"end":1854.245,"sentiment":"neutral","sentiment_score":0.04344380646944046},{"text":"Okay.","start":1862.5,"end":1863.0,"sentiment":"neutral","sentiment_score":0.07327797263860703},{"text":"Yeah.","start":1867.22,"end":1867.72,"sentiment":"neutral","sentiment_score":0.2004747837781906},{"text":"Yeah.","start":1874.835,"end":1875.335,"sentiment":"positive","sentiment_score":0.348567396402359}],"sentiment":"neutral","sentiment_score":0.12862821593880652,"num_words":5,"start":1848.225,"end":1875.335},{"sentences":[{"text":"Yes.","start":1896.65,"end":1897.13,"sentiment":"neutral","sentiment_score":0.14309829473495483},{"text":"Yeah.","start":1897.13,"end":1897.53,"sentiment":"neutral","sentiment_score":0.2114638388156891},{"text":"I might yeah.","start":1897.53,"end":1898.5701,"sentiment":"neutral","sentiment_score":0.23370681951443353},{"text":"I might, yeah, I might have a I'll have her speak to her and say what she wants to do, but it's probably not a bad idea.","start":1898.5701,"end":1904.9451,"sentiment":"neutral","sentiment_score":0.0591120561239896},{"text":"Yep.","start":1910.925,"end":1911.18,"sentiment":"neutral","sentiment_score":0.2595621347427368}],"sentiment":"neutral","sentiment_score":0.08822031036922426,"num_words":33,"start":1896.65,"end":1911.18},{"sentences":[{"text":"Easy.","start":1919.18,"end":1919.68,"sentiment":"neutral","sentiment_score":0.26702848076820374},{"text":"Okay.","start":1923.995,"end":1924.495,"sentiment":"positive","sentiment_score":0.34302371740341187},{"text":"Easy done.","start":1926.955,"end":1927.855,"sentiment":"positive","sentiment_score":0.6551384627819061},{"text":"Yep.","start":1937.49,"end":1937.99,"sentiment":"neutral","sentiment_score":0.13474872708320618},{"text":"Easy.","start":1948.85,"end":1949.35,"sentiment":"neutral","sentiment_score":0.15851230919361117}],"sentiment":"positive","sentiment_score":0.3689316933353742,"num_words":6,"start":1919.18,"end":1949.35},{"sentences":[{"text":"No.","start":1949.49,"end":1949.8099,"sentiment":"neutral","sentiment_score":-0.1107580065727234},{"text":"Why is that all?","start":1949.8099,"end":1950.795,"sentiment":"neutral","sentiment_score":-0.07499299198389053},{"text":"Alright.","start":1952.7151,"end":1953.2151,"sentiment":"positive","sentiment_score":0.6531566381454468},{"text":"Well, thank you.","start":1953.275,"end":1956.7151,"sentiment":"positive","sentiment_score":0.641974409421285},{"text":"Thank you kindly.","start":1956.7151,"end":1957.675,"sentiment":"positive","sentiment_score":0.6869646112124125}],"sentiment":"positive","sentiment_score":0.35243697712818783,"num_words":12,"start":1949.49,"end":1957.675},{"sentences":[{"text":"Thanks for the call.","start":1957.675,"end":1958.8151,"sentiment":"positive","sentiment_score":0.7507752478122711},{"text":"Alright.","start":1967.05,"end":1967.45,"sentiment":"neutral","sentiment_score":0.24075667560100555},{"text":"No worries at all.","start":1967.45,"end":1968.49,"sentiment":"neutral","sentiment_score":0.26230309903621674},{"text":"Appreciate it.","start":1968.49,"end":1969.39,"sentiment":"positive","sentiment_score":0.48495081067085266},{"text":"Alright.","start":1972.17,"end":1972.67,"sentiment":"positive","sentiment_score":0.3762535452842712}],"sentiment":"positive","sentiment_score":0.46993543580174446,"num_words":12,"start":1957.675,"end":1972.67},{"sentences":[{"text":"You too.","start":1972.89,"end":1973.53,"sentiment":"positive","sentiment_score":0.36599305272102356},{"text":"See you.","start":1973.53,"end":1974.27,"sentiment":"positive","sentiment_score":0.38448700308799744},{"text":"Bye bye.","start":1975.21,"end":1975.95,"sentiment":"neutral","sentiment_score":0.004518717527389519}],"sentiment":"neutral","sentiment_score":0.2516662577788035,"num_words":6,"start":1972.89,"end":1975.95}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Hi, Tyler. It's Dana from OQ Financial. How are you today?\n\nChannel 1: Good, Dana. How are you?\n\nChannel 0: I'm very well. Thank you. I had you booked in to run through your updated advice document. Is now a\n\nChannel 1: Yep.\n\nChannel 0: good time for you? Yep.\n\nChannel 1: Yeah. Of course. Yep.\n\nChannel 0: Perfect. How is everything going?\n\nChannel 1: Would very good.\n\nChannel 0: Yeah. What's been happening?\n\nChannel 1: Yeah. Our our son arrived two weeks. Is it two weeks? A week and a bit ago now.\n\nChannel 0: Congratulations.\n\nChannel 1: So\n\nChannel 0: Oh,\n\nChannel 1: thanks.\n\nChannel 0: a little\n\nChannel 1: So\n\nChannel 0: boy. That is\n\nChannel 1: yes.\n\nChannel 0: beaut I know you were waiting. It was, like, coming, so that's\n\nChannel 1: Yeah.\n\nChannel 0: fantastic. I'm so excited. Oh,\n\nChannel 1: So that's all happened now. So,\n\nChannel 0: Yep. Beautiful. Oh,\n\nChannel 1: yeah.\n\nChannel 0: that's amazing. And how's everyone settling into\n\nChannel 1: It's\n\nChannel 0: having two kids?\n\nChannel 1: pretty wild. It's very wild.\n\nChannel 0: Big change. Yeah. No.\n\nChannel 1: Bit\n\nChannel 0: That's perfect.\n\nChannel 1: sleep deprived, a bit of this, bit of that.\n\nChannel 0: I understand that. Yeah. Definitely.\n\nChannel 1: Yeah.\n\nChannel 0: But it's still a beautiful time, though, isn't it? Like, you don't\n\nChannel 1: That's\n\nChannel 0: get those moments back. Yeah.\n\nChannel 1: no. That's exactly right.\n\nChannel 0: Oh, fantastic. Tyler,\n\nChannel 1: Yeah.\n\nChannel 0: I do wanna send the email through so you've got the advice document in front of you. Do you have access to your emails there at the moment?\n\nChannel 1: Yep.\n\nChannel 0: Yep. Perfect. I'll just press send on that one for you. Beautiful. So sorry.\n\nI'm losing my voice a little bit this morning. So if I stop and pause or clear my throat, I do apologize in advance.\n\nChannel 1: No. That's alright. No. What's\n\nChannel 0: Yeah. I've just sent that one through. Now moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that through the rest of the call?\n\nChannel 1: Yeah.\n\nChannel 0: Yep. Beautiful. And I'll do security day with you as well. Just get you to confirm your full name, your date of birth, and address I should have on file.\n\nChannel 1: Tyler Steven Follett. The twentieth of the third nineteen ninety three and eighteen slash twenty four Caddington Place, Helensvale.\n\nChannel 0: Perfect. Thank you so much for that. Now the email should come through fairly quickly. I'm just opening it back up on my end. Although technology doesn't always like this, so we'll see how it\n\nChannel 1: My my emails are browsing for some reason. I've seen that pop up on circles. See if I can\n\nChannel 0: goes. You're right.\n\nChannel 1: It's because I got one bar once. Mhmm.\n\nChannel 0: Oh, that's okay. If you can't look at it, I can always just run through it for you, and then you're welcome to review it later and let me know if you have any questions because I do want\n\nChannel 1: Yeah.\n\nChannel 0: you to make through it as well. What would you like me to sort of do? Did you wanna open it\n\nChannel 1: Yep.\n\nChannel 0: first, or did you want me just to run through it?\n\nChannel 1: No. Just run through it, and then we can\n\nChannel 0: Yep.\n\nChannel 1: and then I can review it.\n\nChannel 0: Yeah. Perfect. When you got some time later, lay down with\n\nChannel 1: Yeah.\n\nChannel 0: Bob, have a bit of a read while you're nursing Bob. Sounds good.\n\nChannel 1: Yeah. Yeah. It takes a free time when I'm at home. That's for sure.\n\nChannel 0: Absolutely. Although it's different free time, isn't it? It's like you're\n\nChannel 1: Yeah.\n\nChannel 0: sitting around doing nothing, but you're, you know, focused on what you're doing at the time with Bobby. So yeah.\n\nChannel 1: Yeah. That's exactly right.\n\nChannel 0: Beautiful. Beautiful. Well, I'll run through this document for you. I'll try to sorta hit the points that I absolutely have to. I'll give you some updates\n\nChannel 1: Yep.\n\nChannel 0: around it, and then you're welcome to read it through. Let me know if you do have any questions in the meantime. I don't work Fridays because it is my day with my son. However, I will be on my emails tomorrow because I have a lot of phonics to write. So if you do happen\n\nChannel 1: Yep.\n\nChannel 0: to have any questions, you are welcome to email me, and I'll email you after the call. That way, you've kinda got my email there. And\n\nChannel 1: Okay.\n\nChannel 0: you're welcome to email me with any questions or else and I can always make time to follow-up as well. Okay?\n\nChannel 1: Yeah. Not a problem at all.\n\nChannel 0: Beautiful. Easy. Now the advice document has been prepared for yourself, Tyler Fuller, as of the March 18. We did finalize it yesterday for you. Prepared by myself, Dana Taylor.\n\nI'm an authorized representative under Oakview Financial, and my representative license number registered through ASIC is 1304394.\n\nChannel 1: Yes.\n\nChannel 0: The advice has been provided in best interest, making sure we're here to meet your goals. The advice will need to be updated moving forward there as well. And I do know your birthday is tomorrow, so happy birthday for tomorrow.\n\nChannel 1: Thank you, Connolly. That's when you're,\n\nChannel 0: I hope.\n\nChannel 1: like, oh, you can email me tomorrow. I was thinking in my head that I probably won't.\n\nChannel 0: That's okay. I just don't want anyone to ever think that they're not able to contact me on Fridays. I\n\nChannel 1: Yeah.\n\nChannel 0: do work\n\nChannel 1: Of\n\nChannel 0: Monday\n\nChannel 1: course.\n\nChannel 0: to Thursday and work longer hours, so I get Friday with my son. But most\n\nChannel 1: Yeah.\n\nChannel 0: Fridays,\n\nChannel 1: I gotcha.\n\nChannel 0: I'm on my email. You can ask Maddie. I'm always on my email sort of doing something anyway, but I never want anyone to feel like they can't contact me. But I hope\n\nChannel 1: Yeah.\n\nChannel 0: you just enjoy your birthday and hopefully go\n\nChannel 1: I\n\nChannel 0: out for\n\nChannel 1: will.\n\nChannel 0: dinner or do something fun.\n\nChannel 1: I will. I got the dials, so that's a plus.\n\nChannel 0: Fantastic. Fantastic. With the scope of the advice, we have scoped in superannuation. So when we sort of touched base last time to do your review, there were some underperforming assets. I wanted to have those removed.\n\nSo I've looked at how\n\nChannel 1: Yep.\n\nChannel 0: to adjust the portfolio to make sure they are removed and keep you on track to meeting your goal.\n\nChannel 1: Yeah.\n\nChannel 0: We also looked at the child trauma policy. So Oscar\n\nChannel 1: Mhmm.\n\nChannel 0: is now two. I've looked at how to structure a child trauma policy for a 100,000 to make it cost effective for you because I know with your other insurance policy, you have just gone through renewals. So your policy has increased in cost a little bit there as well. You're paying a bit\n\nChannel 1: Yeah.\n\nChannel 0: more out of pocket now.\n\nChannel 1: Yeah. I was saying that. Yep.\n\nChannel 0: Yeah. So those policies are steps. I'll go through it with you as well, but, essentially, they are steps. They do increase in cost every year, so that's why it's important we do kinda review those with you to make sure the level of cover is what you're after so that you're\n\nChannel 1: Yep.\n\nChannel 0: not paying too much as well because now having two kids expenditure does go up. So out of pocket expenses do need to be considered. Okay?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Scraping out of the advice, so we're not looking at any personal investment or cash flow and budgeting at the moment. One of your medium term goals is to purchase another property and turn your home into an investment, and you're also\n\nChannel 1: Yep.\n\nChannel 0: looking to do some renovations down the track as well.\n\nChannel 1: Yeah.\n\nChannel 0: But if you needed any cash flow and budgeting or other advice, you let me know. You're an ongoing client, so I can certainly help you moving forward with other areas of advice. Okay?\n\nChannel 1: Sway. Yeah.\n\nChannel 0: Perfect. Now with the with your assets and liabilities, I have those noted in here for you at the current level that we sort of discussed in the annual review. If you find that there's any discrepancy or you would rather change those asset values, I know the mortgage can fluctuate with, you know, paying it down and interest coming out and things like that. The assets and liabilities don't have an effect on the advice that we're providing. However, if you would like me to update those in the back end, you can let me know.\n\nI can make a note of any changes to your assets and liabilities that we do have noted in the advice document there as well. Okay?\n\nChannel 1: Okay. No worries.\n\nChannel 0: Perfect. Now as of the time we provided the advice document, the balance in super was about 82,297 and 27¢, and you do\n\nChannel 1: Yep.\n\nChannel 0: have your one pass policy. So out of super, you are paying for life, TPD, and income protection. You have 1,000,050 of life and TBD, and then an income protection policy providing a monthly, before income tax benefit of 5,544. You have a thirty\n\nChannel 1: Yep.\n\nChannel 0: day waiting period and a six year benefit period on that one. And then you've also got your one pass policy, which has just gone through renewal there. The total yearly premium for this is $435.60 out of pocket, and you're actually covered\n\nChannel 1: Yeah.\n\nChannel 0: for now a $105,000 of life and trauma cover for yourself. These are paid outside of super. They are all stepped premiums. So both your policies inside super and outside super will increase in cost\n\nChannel 1: Yeah.\n\nChannel 0: as you get older as the risk of you making a claim increases. However,\n\nChannel 1: Yeah.\n\nChannel 0: they are also CPI linked. So it does mean that the sum insured is gonna keep increasing as well because we know the buying capacity is eaten away on a dollar, a $100 this year isn't worth a $100 next year. Insurance\n\nChannel 1: Yeah.\n\nChannel 0: policies are linked to CPI. So as much as you're paying a little bit more for the policies, they do increase in value as well. So if you\n\nChannel 1: Yes.\n\nChannel 0: were to\n\nChannel 1: Correct.\n\nChannel 0: claim on trauma, you can claim a 105,000 instead of the initial 100,000 that you did have there. But, well, I'll review them with you. If you start getting too expensive, we can look at the amounts, and part of your\n\nChannel 1: Yep.\n\nChannel 0: annual review will also reevaluate the levels of cover, and we can always adjust them to keep them cost effective and make sure it's working to you at the same time. Okay?\n\nChannel 1: Yeah. Righty o.\n\nChannel 0: Perfect. Now with regard to the recommendations here, and you'll be able to go through these in a a fair bit of detail. I've added lots of advantages, disadvantages, risks involved, and alternatives that I've considered for you. But\n\nChannel 1: Yeah.\n\nChannel 0: with regard to the super and the recommendations, now Bannalong was the investment that was underperforming, so we have made a recommendation to remove that completely from your portfolio. Because\n\nChannel 1: Yes.\n\nChannel 0: we are removing Bannalong, it isn't a down point, so we are cementing the loss there. So I'm also recommending that we rebalance your portfolio as well just to make sure that, a, it's working properly, but then you're not overexposing yourself to risk. So we're taking advantage of the fact that Bannalong is down. We're seeing a loss by cementing it and removing it from your portfolio. So we can offset any other capital gains that the other investments might have foreseen and try to\n\nChannel 1: Yeah.\n\nChannel 0: rebalance at the same time, which is a benefit for you. Okay?\n\nChannel 1: Yeah. Okay.\n\nChannel 0: So what we're gonna be doing is we're rebalancing the cyber security and the India quality ETF. You'll have 7% in there. We're gonna sell about 393 of cyber security, a $118 of India quality ETF just to bring you back to the level you should be in a rebalance set. We'll be buying into a bit of the Global Healthcare, so rebalancing that one for you, buying a bit more of the S and P 500 to rebalance it, buying a bit more of the Raffi Aussie 200 to rebalance that one as well, and then selling\n\nChannel 1: Yep.\n\nChannel 0: all of the Van Alung to get rid of that underperforming investment. We are replacing Van Along with the BetaShares a 200, which you'll see in here. Essentially, it is still giving you exposure to the top 200 companies in Australia. It's still giving you the Australian equity exposure. The main sort of difference is the a 200 is more of a passively managed fund, so it tracks the top 200 companies in Australia and the index with regard to that.\n\nOne of the benefits of having the a two hundred over Bennelong is Bennelong was meant to be more of an actively managed component, but they don't haven't really been very actively managing their portfolio. And as such,\n\nChannel 1: Yeah.\n\nChannel 0: they've been underperforming with their investments not working within the fund there. The a two hundred isn't actively managed. It's just tracking an index, and as such, the management fees are actually cheaper. It tracks the top 200 companies on the Australian A XF, so it's actually giving you a little bit more Australian exposure. You've got more companies to diversify your portfolio with, and having cheaper management fees provides a benefit to you.\n\nWith the a 200, similar to the S and P 500, having exposure to these indexes is great because there's a certain criteria that the companies have to meet to be in these indexes, and the beta shares a 200 and the beta sorry. The s iShares S and P 500, they track those indices. So if companies within the indices don't meet a criteria to be in the top 200 on the a 200 or in the S and P 500, they're actually removed and replaced with other companies. So you are always tracking the movement of the top 200 with the a 200 and the top 500 with the S and P 500 there. So it provides\n\nChannel 1: Yep.\n\nChannel 0: a benefit. You're not having to try and outperform the market. You're tracking in indices, and the indices is always working, always tracking the top companies. So you're not, you know,\n\nChannel 1: Yeah.\n\nChannel 0: not following underperforming investments in those sorts of ways, if that makes\n\nChannel 1: Gotcha.\n\nChannel 0: sense. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Perfect. So we'll have the a 200 in there instead of that along, which is great. We're still gonna hold the JPMorgan Global Research Enhanced Equity Fund. Again, it's just sort of giving you a bit of exposure to JPMorgan's great for a research house, and that investment is about 15% actively managed.\n\nIt's about making sure they're sort of looking to track up and coming areas as well as growth and investments that have a great track record. So utilizing them is\n\nChannel 1: Yeah.\n\nChannel 0: great. There's only a small portion of your portfolio in there. It's still a good investment, has performed really well in your portfolio, so we do wanna keep that in there and just rebalance that a little bit.\n\nChannel 1: Yep.\n\nChannel 0: Physical gold, we are buying a bit more physical gold. You're a bit underweighted at the moment, and physical gold has been fantastic. So we'll buy a bit more of that and keep you waiting correct. We are also getting rid of the bank hybrids. Now as they kinda went through, the government is phasing those out in the future.\n\nSo we're taking the advantage to remove those now whilst we are rebalancing and getting rid of Bennelong. The losses\n\nChannel 1: Yeah.\n\nChannel 0: Bennelong has seen will help to offset some of the gains. So removing the bank hybrids and then moving the money into the core composite bonds, doing it now as opposed to waiting to when we have to down the track. Because you're younger means that rebalancing obviously the portfolio now, we make those changes, and then you've got a really good time horizon to allow your portfolio to recover and to continue growing out from that, and we'll keep monitoring it for you. Does that make\n\nChannel 1: Yeah.\n\nChannel 0: sense?\n\nChannel 1: Yep. It\n\nChannel 0: Yep.\n\nChannel 1: does.\n\nChannel 0: Perfect. I do have the best interest duty in here for you that notes this recommendation is in your best interest. I did look at Hub twenty four as a fund. I'm retaining that because Hub twenty four is still great. It actually works\n\nChannel 1: Mhmm.\n\nChannel 0: out less in best interest to move to another super fund when we're only altering some of the investments. So we only realistically have to sell some of the investments and rebalance others. Instead, if we moved you to another fund, we'd be fully selling everything down. The CDT effect would be greater. As it is, when I looked at the research, the CDT effect on your super fund is actually zero.\n\nSo because Van Along\n\nChannel 1: Yeah.\n\nChannel 0: is quite heavily down at the moment, by making all these changes to your portfolio, we're actually offsetting all of the capital gains. So your super fund will have no CGT effect, which is a benefit for you as well. Okay.\n\nChannel 1: Yeah. Sweet.\n\nChannel 0: Perfect. Because we are remaining in hub twenty four, the administration fees do stay the same. There's no change there, but the underlying investment fee actually reduces. So for the first year after making these changes, the total investment fees drop. So we end up saving you about a $121 for the first year in investment fees.\n\nSo, again, fees drop, changes to your portfolio. It has showed a better a better performance in the past as well. I do know projections are just projections, and they are you know, we're not expecting you to get this return on a regular basis. But by moving into the recommended portfolio, I have to use the three year rolling average because bank hybrids haven't been around for five years to give me a five year rolling average.\n\nChannel 1: Yeah.\n\nChannel 0: But the newer portfolio over the past three years has averaged about 16.83%. I know with the volatility and the the changes in the market that we are seeing at the moment, I definitely don't expect you to get 16% from now over the next ten years. But if the market performs really well and you can average that kind of return, which is greater than what your current portfolio average has been, we can see a greater future performance, and we can estimate you to be at about $35,000 better off over the next ten years, which would be great if we can do that for you. Okay?\n\nChannel 1: Yeah. Of course.\n\nChannel 0: Yeah. Beautiful. I'll let you run your eyes over that one. I don't wanna throw too many numbers at you and make it too confusing. The thing I hate about not having you see the document is I don't wanna sort of talk at you at all.\n\nI kinda wanna just make sure I'm giving you what you need, but not throwing too much confusing numbers and whatnot\n\nChannel 1: Yeah.\n\nChannel 0: at you.\n\nChannel 1: No. I understand.\n\nChannel 0: So I'll let you read through that one, and you can let me know if you have any additional questions or concerns or anything in relation to it. Okay? Perfect. Now with the we are retaining your life, your TPD, your income protection inside Super there at the moment. There's no major changes to that.\n\nThis, whilst we're not making any changes, has been scoped into a limited scope to the advice. A limited scope simply means that we know we're not making a recommendation on this product. However, there is an effect on any other recommendations that we are making. So because your life, TPD, and income protection are paid out of super, having it scoped into a limited extent just makes sure that you're aware you are paying for those premiums out of super, and so we have to account for that as part of the overall projection and looking at the fees and the effect on your super. So that's why it's limited scope in there, and I've got a little blurb that explains that to you as well.\n\nOkay?\n\nChannel 1: Skype out loud.\n\nChannel 0: Perfect.\n\nChannel 1: Okay.\n\nChannel 0: I with regard to the the child trauma policy, now we are making a recommendation that you do apply for the child trauma policy, applying for a $100,000 of the child trauma with one path. So I had a really good look at all the options out there with regards to the child trauma policy. Most\n\nChannel 1: Yep.\n\nChannel 0: of the insurers weren't willing to offer a stand alone policy, so we're applying for that with OnePath, and it will be linked to your current trauma and life policy, which is great. Your\n\nChannel 1: Yeah.\n\nChannel 0: current premium on a monthly basis, this is with the increase as it's just gone through renewal, is $36.30 on a monthly basis. By adding a child\n\nChannel 1: Yep.\n\nChannel 0: trauma policy in there for Oscar, it goes up by $12 on a monthly basis. So you end up paying about $48.67 per month for all three policies outside of pocket. Okay?\n\nChannel 1: Okay. And that's indexed too. So as his\n\nChannel 0: It\n\nChannel 1: life\n\nChannel 0: is.\n\nChannel 1: goes on and gets yeah. Okay.\n\nChannel 0: Yep. Yeah. Perfect.\n\nChannel 1: Yeah.\n\nChannel 0: It is a set policy, so it will continue to get more expensive, but we are able to link this to the other policies. So it does make it cheaper to link and add the policy in there for you. The\n\nChannel 1: Yeah.\n\nChannel 0: only other provider as an alternative that was willing to offer a standard a stand alone trauma policy for children I was tau, but their policy came out a little bit more expensive. It was a bit over $13 on a monthly basis. So in the interest of making sure it's more cost effective, it went with a cheaper policy, which is one pass. Linking it to your current policies means that you keep everything together.\n\nChannel 1: Yep.\n\nChannel 0: And I've even got a copy of the I had a look at the application form. There's only a couple of questions. They do ask a few questions about family history, but they're mainly just asking to make sure that Oscar hasn't had any major traumatic diagnosis since he was\n\nChannel 1: Yeah.\n\nChannel 0: born. And there's no real major underwriting to it, which is really important.\n\nChannel 1: Yeah.\n\nChannel 0: As an alternative, I did also go and have a look at structuring it, looking at life trauma and child trauma as a combined with other providers, but it honestly does work out cheaper to stay with OnePath. You've got the multi policy discount there. OnePath is still the best provider, and linking it to your currently current policy made it more cost effective for you. So that's the\n\nChannel 1: So\n\nChannel 0: recommendation\n\nChannel 1: it's better to\n\nChannel 0: for that\n\nChannel 1: it\n\nChannel 0: one.\n\nChannel 1: is\n\nChannel 0: Yeah.\n\nChannel 1: it is better to do it now because he has no underwriting. Right? Because he's\n\nChannel 0: Yeah.\n\nChannel 1: well, he's\n\nChannel 0: Yep.\n\nChannel 1: he's too he's he hasn't been in had any conditions. Let's put it that way.\n\nChannel 0: Yeah. Absolutely.\n\nChannel 1: Yeah.\n\nChannel 0: It is always better\n\nChannel 1: Yeah.\n\nChannel 0: to get the policies earlier than it is later.\n\nChannel 1: Yeah.\n\nChannel 0: I mean, he's he's nice and healthy, and you look great, and he should not have anything over the next couple of years. However, if anything did arise making, you know even on child policy, if something did arise down the track, it can make the policies more expensive. You can have exclusions like what you've got at the moment. So\n\nChannel 1: No. Sure.\n\nChannel 0: doing that now\n\nChannel 1: Yep.\n\nChannel 0: is much better for him.\n\nChannel 1: Yeah.\n\nChannel 0: The benefits of having a policy is we can link it to your one pass. It is more cost effective for you. But\n\nChannel 1: Yeah.\n\nChannel 0: I had a really good look at what one pass offer, and it's actually really cool. So I've got all of that noted here for you, and I've also got the PDF attached in case you like enjoying reading through those. But when it comes to the policy, so one path cover up to 51 different traumatic conditions for child trauma. It accounts for blindness. Some of them are benign brain tumors, blindness, plastic anemia, benign spinal tumors.\n\nWe've got brain damage, burns, severe cancer, cardiomyopathy, deafness. There's a couple I can't pronounce there, and certain head traumas as well that are permanent and irreversible. Kidney\n\nChannel 1: Yep.\n\nChannel 0: failure, loss of speech, permanent paralysis, and loss of a limb, mening meningococcal, meningitis meningitis I'm sorry. I'm not a doctor. I don't do\n\nChannel 1: No. That's\n\nChannel 0: well with\n\nChannel 1: alright.\n\nChannel 0: these big\n\nChannel 1: Neither\n\nChannel 0: words.\n\nChannel 1: am I. It makes sense anyway.\n\nChannel 0: Terminal illnesses, stroke, and organ transplant. The policy will have a ninety day qualifying period on it. So, essentially, it just means that for the first ninety days, there are limitations on what can be claimed, but after the first ninety days, everything is fine. It's just sort\n\nChannel 1: Yeah.\n\nChannel 0: of making sure that you're not not trying to claim on anything that you maybe think you might have within the first ninety days. Sort of the same with life insurance. They normally don't cover they normally, for the thirteen first thirteen months, don't cover suicide on life cover. You've gotta kinda have the policy\n\nChannel 1: Yeah.\n\nChannel 0: for the first year before they'll cover that. So it\n\nChannel 1: Yeah.\n\nChannel 0: does work out the same with the child trauma policy there for you. But after the first ninety days, you are fully covered for everything.\n\nChannel 1: Yeah.\n\nChannel 0: Some other really good advantages of the policy are that it has the accommodation benefit there as well. So, essentially, if something was to happen to Tyler sorry. If something was to happen to Oscar, I do apologize.\n\nChannel 1: That's okay.\n\nChannel 0: And he was bedridden, and, you know, if family members you guys had to travel or be somewhere, they do pay out the accommodation benefit, which is a certain amount that helps to cover and cover the cost of accommodation for a certain period of time. They cover if you have to travel for more than a 100 kilometers, so sometimes we might need to travel, you know, out out of state or\n\nChannel 1: Yes.\n\nChannel 0: into other areas to see certain specialists depending on what the\n\nChannel 1: Yeah.\n\nChannel 0: diagnosis is. After this after he turns age 21, the policy can be converted to a life with attached trauma policy. There's no additional underwriting for that. And, essentially, Oscar then becomes the policy holder of that policy. And because he's held at the time, it automatically transfers, and he just keeps paying the premium for it, which is kinda\n\nChannel 1: Yep.\n\nChannel 0: cool.\n\nChannel 1: Yep.\n\nChannel 0: The other side of the policy, which I think is really awesome, is that if anything was to happen to you, we hope nothing ever does. But because you are\n\nChannel 1: Cool.\n\nChannel 0: the policy owner of these policies, if something happened to you, if you were to pass away, your life cover was fully paid out, the policy then becomes a standalone child trauma policy. So long\n\nChannel 1: Yeah.\n\nChannel 0: as he is over 10 years of age and your wife provides consent, he can then continue to hold the policy. If he's\n\nChannel 1: Yeah.\n\nChannel 0: 10, it still stays as a a stand alone policy, but it just means that your wife looks after it for him. But it means\n\nChannel 1: Yeah.\n\nChannel 0: that if you pass away, if something happens to yourself and the life cover paid out, the policy can remain for him so he does get that benefit long term. Okay?\n\nChannel 1: Yeah. Gotcha. Yep.\n\nChannel 0: Yeah. The risks involved with having, obviously, with all insurances, there is the bigger risk that if you have these policies and that you never actually claim on them and we get rid of them at some point or they just get to expiry age, the biggest risk is you could have them never have to claim. That's also the biggest benefit of the policies because as much as having the policies and having the money paid at is a good thing in the event of a claim, it also means that we've lost something. There's some sort of negative, experience. We've had some sort of a loss to be able\n\nChannel 1: Yep.\n\nChannel 0: to make that claim. So it\n\nChannel 1: Yeah.\n\nChannel 0: is a benefit\n\nChannel 1: Yeah.\n\nChannel 0: and a risk of having these sorts of policies. Okay?\n\nChannel 1: Yeah.\n\nChannel 0: Beautiful. As I mentioned, I did look at alternative options. That, I looked at standalone policies. I also looked at the life trauma and linking child trauma with other options. However, this was the best way to go.\n\nIt's much easier for yourself and if your policy is already enforced, you don't wanna have\n\nChannel 1: Yeah.\n\nChannel 0: to go through underwriting again, and the policy can just be added there. It's nice and cost effective, which is important as well. Okay.\n\nChannel 1: Yeah.\n\nChannel 0: Yeah. Do\n\nChannel 1: True.\n\nChannel 0: you have any questions so far? Is there anything you wanted me to touch further on?\n\nChannel 1: No. No. That's that's\n\nChannel 0: No.\n\nChannel 1: all pretty well. Like, that coming out pretty cost\n\nChannel 0: Yeah.\n\nChannel 1: effective. I mean, nothing\n\nChannel 0: Yeah.\n\nChannel 1: that's that's nothing really. I do I mean,\n\nChannel 0: Yeah.\n\nChannel 1: I do it do it for him. And then when the new boy's he's two, I'll do the same.\n\nChannel 0: Yep.\n\nChannel 1: And then, yeah, I'll just keep adding adding on\n\nChannel 0: Absolutely.\n\nChannel 1: to mine.\n\nChannel 0: Absolutely. Absolutely. It's a great policy. It's nice and cost effective. And even, like, before your your second son turns two, let's look at it closer too because worst case, we can always update the advice as your policies would have gone through a few renewals.\n\nSo we might have to alter the amounts there, look at what they're costing, and see what your expenditure\n\nChannel 1: Yeah.\n\nChannel 0: allows for. So,\n\nChannel 1: Yeah.\n\nChannel 0: sorry, we might be able to and need to alter the policies a little bit down the track there. So before he turns to, we can look at it together, update the advice, and really hone in on what we need to do to make it work for you guys. So you're not spending a fortune out of your back pocket because kids are expensive. Let's be honest.\n\nChannel 1: They are. Yeah. That's at least two boxes of nappies so far.\n\nChannel 0: Those are expensive, aren't they? That's insane. Oh, but no. It's honestly all we'll definitely look down the track to help you out with that aspect. I'll let you read through this one, take it all in, and let me know if you do have any questions there.\n\nChannel 1: Yeah.\n\nChannel 0: I've also\n\nChannel 1: Easy.\n\nChannel 0: just backed in the estate planning side of things as well. You do have your beneficiaries on file. You were comfortable with those, but one of the things we'd talk about was not having a will and power of attorney. So\n\nChannel 1: Yeah.\n\nChannel 0: having your second child now with your life changing, having your will drawn up is really important. So I've added that in there that we are recommending you do have a will and power of attorney, just making sure everything is in line with your wishes.\n\nChannel 1: Yeah.\n\nChannel 0: I can, if you like, send out. I don't know if anyone sent out to you yet, and I hope someone has. Did you receive the email with the solicitor's information from the annual review?\n\nChannel 1: I can't I can't remember, but that's alright. If I need a solicitor, I've I've\n\nChannel 0: Yep.\n\nChannel 1: I've\n\nChannel 0: Perfect.\n\nChannel 1: got one. I've used one before, so I've used them again.\n\nChannel 0: Yep. Perfect. Perfect. Yeah. Just doing those up when you are ready to do so.\n\nJust provide the extra layer of protection for yourself, your family, your kids. And there's so many good things you can do with the will to make sure your family is set up, make sure there's trust structures, and the assets are sold as to your wishes, and guardianship\n\nChannel 1: Yeah.\n\nChannel 0: if something happened to yourself and and Rhiannon as well. So it's just yeah. Those sort of things are hard conversations to have, but they are really important at the same time.\n\nChannel 1: Yeah.\n\nChannel 0: So\n\nChannel 1: Exactly right.\n\nChannel 0: yeah. All good. So I've got those in there for you. Now the advice, as I mentioned, there's no cost to the advice, no implementation cost at all. We do receive remuneration from the insurance companies for the insurances we do recommend.\n\nSo I do have in here on page 37 for you the updated remuneration because adding the child trauma policy means that we will do receive 66% of the first year's premium. Based on\n\nChannel 1: Mhmm.\n\nChannel 0: the total cost over the year, it's expected to be about $98.\n\nChannel 1: Okay.\n\nChannel 0: The advice I'm providing is in your best interest to meet your goals. That's why I haven't\n\nChannel 1: Yeah.\n\nChannel 0: gone with the highest cost one pass highest cost trauma policy. We wanna make sure\n\nChannel 1: Yeah.\n\nChannel 0: it's cost effective for you. It's working for you. And the remuneration is just another aspect we like to disclose. It has no\n\nChannel 1: Yeah.\n\nChannel 0: effect on my recommendations in any way, shape, or form.\n\nChannel 1: Daisy.\n\nChannel 0: And then the ongoing remuneration for all policies is 22%. They're ongoing. We have added on the remuneration ongoing side. It's a combination of all your one part policies together. So it is expected to be $7.97 for the year based on 22% of your total premium cost and not on just the cost of the child trauma, just to hear what\n\nChannel 1: Yeah. I'll know. No. Easy.\n\nChannel 0: excellent. There's no setup or implementation fees and charge for us for the services. You're an ongoing service client. You're paying ongoing service fee of 1.65% per annum. So we obviously wanna make sure that this is looking after you.\n\nI actually think this is you're on 1.1. So sorry. There is a typo there.\n\nChannel 1: That's\n\nChannel 0: This\n\nChannel 1: okay.\n\nChannel 0: document automates the 1.65%, but you're on 1.1% because you're Maddie's brother. So it's not an issue. It's over disclosed in the advice document, which is fine as long as your ongoing service agreement is correct, and that is correct because I just checked it then. So\n\nChannel 1: Yeah.\n\nChannel 0: I\n\nChannel 1: No.\n\nChannel 0: just wanted to make sure you're aware that's what it says. It's just the standard with most of our clients that you're obviously on a discounted rate for that one. If you want, I'm happy to go and update that for you to reflect before you read it. Do you want me to change that ongoing service\n\nChannel 1: I'm not.\n\nChannel 0: percentage for you?\n\nChannel 1: That's that's\n\nChannel 0: It's not?\n\nChannel 1: that's like that's\n\nChannel 0: You sure?\n\nChannel 1: okay. I know. Yeah.\n\nChannel 0: Okay.\n\nChannel 1: I know what's going on. The perks have been\n\nChannel 0: Beautiful.\n\nChannel 1: Madison's brother.\n\nChannel 0: Look. Gotta look after you, honestly. She sits behind\n\nChannel 1: Yeah.\n\nChannel 0: me and can hear all my conversations, so she'll tell me if I stuff up something. No. All good. But I will let you go and have a bit of a read through that, take it in. If there's anything that you had questions on wanting me to update or clarify, please let me know.\n\nWanna make sure that, obviously, you're looked after, that we're providing the value of our services, and that we're here to help you and to meet all of your goals. So, yeah,\n\nChannel 1: A\n\nChannel 0: that's\n\nChannel 1: z\n\nChannel 0: basically\n\nChannel 1: diamond.\n\nChannel 0: the advice.\n\nChannel 1: Not a z.\n\nChannel 0: Perfect. Perfect. If you decide to take on all of that, how implementation should go is you sign the document, you send it back to us. We'll start by the investment switch, and then we'll book you in with our admin team start to go through the application for the child trauma policy, have it submitted\n\nChannel 1: Yep.\n\nChannel 0: off, and organized for that to be linked to the other policies to make it nice and easy. Okay.\n\nChannel 1: Easy. And\n\nChannel 0: Very easy\n\nChannel 1: one\n\nChannel 0: implementation. Yeah. Of\n\nChannel 1: one\n\nChannel 0: course.\n\nChannel 1: other question\n\nChannel 0: Yeah.\n\nChannel 1: is if I was to could I add a policy for Rhiannon?\n\nChannel 0: Mhmm. Yep.\n\nChannel 1: Or does\n\nChannel 0: You\n\nChannel 1: Rhiannon need to add a policy for herself?\n\nChannel 0: you absolutely can. There's nothing wrong with you holding a policy for her. However, it is probably that it's for her to hold her own policy. She's not working at the moment, is she?\n\nChannel 1: No.\n\nChannel 0: No. That's okay. So we can just provide it I know because she might have super somewhere else, but when she's not working, it's sort of not really worth looking at a super. But we can do advice for insurance only. So if she\n\nChannel 1: Yeah.\n\nChannel 0: does wanna look at, like, a life policy or something like that while she's not working, it's hard to kind of look at income protection or TBD, but we can\n\nChannel 1: It\n\nChannel 0: look\n\nChannel 1: is.\n\nChannel 0: at life\n\nChannel 1: Yeah.\n\nChannel 0: and trauma policies for her.\n\nChannel 1: Okay.\n\nChannel 0: We can also look at maybe home duties TBD, which essentially means\n\nChannel 1: Yeah.\n\nChannel 0: that if she's not able to do her home duties due to something, that the money can be used to have cleaners and childcare and things like that set\n\nChannel 1: Okay.\n\nChannel 0: up. And you can get home duties, occupation, TBD. So we\n\nChannel 1: Yeah.\n\nChannel 0: can absolutely look at those sorts of options for her if she would like to. I'm happy to help her out and have that conversation initially,\n\nChannel 1: Yeah.\n\nChannel 0: talk about what we do and how it works, and provide advice for insurance only. If that's the case, there's no ongoing fees for us doing that. We receive remuneration from insurances for from insurance companies for the insurances that we set up, and we can have it set up to be paid out of pocket or out of super depending on what she sort of wants, what her structure, and what your life allows for at the same time. So\n\nChannel 1: Yes.\n\nChannel 0: but\n\nChannel 1: Yeah.\n\nChannel 0: that's absolutely\n\nChannel 1: I might\n\nChannel 0: possible.\n\nChannel 1: yeah. I might,\n\nChannel 0: Yeah.\n\nChannel 1: yeah, I might have a I'll have her speak to her and say what she\n\nChannel 0: Yep.\n\nChannel 1: wants to do, but it's probably not a bad idea.\n\nChannel 0: Yeah. Absolutely. We can sort of make it up even if she wants to have a chat to us first, myself or Maddie look at what we do,\n\nChannel 1: Yep.\n\nChannel 0: how it works, what we can sort of help her with. We can work to, you know, work as slow or as fast as she sort of needs us to. But, yeah,\n\nChannel 1: Easy.\n\nChannel 0: have a chat to her and see if she wants to look at doing that. I'm more than happy to assist and help out in that\n\nChannel 1: Okay.\n\nChannel 0: area. So, yeah, not a problem at all.\n\nChannel 1: Easy done.\n\nChannel 0: Easy. Beautiful. That's everything I needed to touch base on. I don't wanna sort of take up too much of your time because you've got your beautiful son there, and you're in your bubble of\n\nChannel 1: Yep.\n\nChannel 0: newborn. Did you wanna just take some time to have her read through that document? Like, come back and let me know if you have any questions, and I'll shoot you an email now as well so you've got my email in your inbox. Okay.\n\nChannel 1: Easy. No. Why is that all?\n\nChannel 0: Beautiful. Thank you so much for your time,\n\nChannel 1: Alright.\n\nChannel 0: Tyler.\n\nChannel 1: Well,\n\nChannel 0: I'm so\n\nChannel 1: thank\n\nChannel 0: excited for you guys.\n\nChannel 1: you. Thank you kindly. Thanks for the call.\n\nChannel 0: Alright. Anytime. I'll let you go. You have an amazing day, and let me know if there's anything you need or any questions that you have in relation to that. It doesn't matter what it\n\nChannel 1: Alright. No worries at\n\nChannel 0: might\n\nChannel 1: all. Appreciate\n\nChannel 0: be.\n\nChannel 1: it.\n\nChannel 0: Okay? Wonderful. Thank you so much for your time. Have a good afternoon.\n\nChannel 1: Alright. You too. See you.\n\nChannel 0: See you later. Bye.\n\nChannel 1: Bye bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":1.8399999,"end":2.34,"sentiment":"neutral","sentiment_score":0.02896818518638611}],"sentiment":"neutral","sentiment_score":0.02896818518638611,"channel":1,"num_words":1,"start":1.8399999,"end":2.34},{"sentences":[{"text":"Hi, Tyler.","start":2.96,"end":3.76,"sentiment":"neutral","sentiment_score":0.12575383484363556},{"text":"It's Dana from OQ Financial.","start":3.76,"end":5.54,"sentiment":"neutral","sentiment_score":0.17378787994384765},{"text":"How are you today?","start":5.68,"end":6.74,"sentiment":"neutral","sentiment_score":0.19685492292046547}],"sentiment":"neutral","sentiment_score":0.17344243282621558,"channel":0,"num_words":11,"start":2.96,"end":6.74},{"sentences":[{"text":"Good, Dana.","start":7.2,"end":8.0,"sentiment":"positive","sentiment_score":0.4578134715557098},{"text":"How are you?","start":8.0,"end":8.82,"sentiment":"positive","sentiment_score":0.34357864658037823}],"sentiment":"positive","sentiment_score":0.38927257657051084,"channel":1,"num_words":5,"start":7.2,"end":8.82},{"sentences":[{"text":"I'm very well.","start":9.12,"end":10.0,"sentiment":"positive","sentiment_score":0.6208828488985697},{"text":"Thank you.","start":10.0,"end":10.48,"sentiment":"positive","sentiment_score":0.6953208446502686},{"text":"I had you booked in to run through your updated advice document.","start":10.48,"end":13.299999,"sentiment":"neutral","sentiment_score":0.33251644174257916},{"text":"Is now a","start":13.36,"end":13.92,"sentiment":"neutral","sentiment_score":0.26883822679519653}],"sentiment":"positive","sentiment_score":0.40250011086463927,"channel":0,"num_words":20,"start":9.12,"end":13.92},{"sentences":[{"text":"Yep.","start":13.92,"end":14.42,"sentiment":"neutral","sentiment_score":0.22836518287658691}],"sentiment":"neutral","sentiment_score":0.22836518287658691,"channel":1,"num_words":1,"start":13.92,"end":14.42},{"sentences":[{"text":"good time for you?","start":13.92,"end":15.04,"sentiment":"neutral","sentiment_score":0.2269061952829361},{"text":"Yep.","start":15.04,"end":15.54,"sentiment":"neutral","sentiment_score":0.06186501309275627}],"sentiment":"neutral","sentiment_score":0.19389795884490013,"channel":0,"num_words":5,"start":13.92,"end":15.54},{"sentences":[{"text":"Yeah.","start":15.264999,"end":15.585,"sentiment":"neutral","sentiment_score":0.09473824501037598},{"text":"Of course.","start":15.585,"end":16.225,"sentiment":"neutral","sentiment_score":0.1422969400882721},{"text":"Yep.","start":16.225,"end":16.725,"sentiment":"neutral","sentiment_score":0.19286048412323}],"sentiment":"neutral","sentiment_score":0.14304815232753754,"channel":1,"num_words":4,"start":15.264999,"end":16.725},{"sentences":[{"text":"Perfect.","start":16.654999,"end":17.154999,"sentiment":"positive","sentiment_score":0.5163773894309998},{"text":"How is everything going?","start":17.215,"end":18.595,"sentiment":"positive","sentiment_score":0.34859035909175873}],"sentiment":"positive","sentiment_score":0.3821477651596069,"channel":0,"num_words":5,"start":16.654999,"end":18.595},{"sentences":[{"text":"Would very good.","start":19.505,"end":20.805,"sentiment":"positive","sentiment_score":0.48776566982269287}],"sentiment":"positive","sentiment_score":0.48776566982269287,"channel":1,"num_words":3,"start":19.505,"end":20.805},{"sentences":[{"text":"Yeah.","start":21.375,"end":21.855,"sentiment":"neutral","sentiment_score":0.1214102953672409},{"text":"What's been happening?","start":21.855,"end":22.994999,"sentiment":"neutral","sentiment_score":0.07653231670459111}],"sentiment":"neutral","sentiment_score":0.08775181137025356,"channel":0,"num_words":4,"start":21.375,"end":22.994999},{"sentences":[{"text":"Yeah.","start":25.105,"end":25.605,"sentiment":"neutral","sentiment_score":0.05741399526596069},{"text":"Our our son arrived two weeks.","start":26.465,"end":28.5,"sentiment":"neutral","sentiment_score":0.08768746008475621},{"text":"Is it two weeks?","start":28.58,"end":29.7,"sentiment":"neutral","sentiment_score":0.04758781939744949},{"text":"A week and a bit ago now.","start":29.7,"end":31.32,"sentiment":"neutral","sentiment_score":0.09673109969922475}],"sentiment":"neutral","sentiment_score":0.08061154062549274,"channel":1,"num_words":18,"start":25.105,"end":31.32},{"sentences":[{"text":"Congratulations.","start":31.31,"end":31.81,"sentiment":"positive","sentiment_score":0.4375399649143219}],"sentiment":"positive","sentiment_score":0.4375399649143219,"channel":0,"num_words":1,"start":31.31,"end":31.81},{"sentences":[{"text":"So","start":31.619999,"end":32.12,"sentiment":"neutral","sentiment_score":0.24224527180194855}],"sentiment":"neutral","sentiment_score":0.24224527180194855,"channel":1,"num_words":1,"start":31.619999,"end":32.12},{"sentences":[{"text":"Oh,","start":33.79,"end":34.19,"sentiment":"neutral","sentiment_score":0.30318552255630493}],"sentiment":"neutral","sentiment_score":0.30318552255630493,"channel":0,"num_words":1,"start":33.79,"end":34.19},{"sentences":[{"text":"thanks.","start":33.86,"end":34.36,"sentiment":"positive","sentiment_score":0.38552114367485046}],"sentiment":"positive","sentiment_score":0.38552114367485046,"channel":1,"num_words":1,"start":33.86,"end":34.36},{"sentences":[{"text":"a little","start":34.19,"end":34.75,"sentiment":"neutral","sentiment_score":0.17508269101381302}],"sentiment":"neutral","sentiment_score":0.17508269101381302,"channel":0,"num_words":2,"start":34.19,"end":34.75},{"sentences":[{"text":"So","start":34.66,"end":35.16,"sentiment":"neutral","sentiment_score":0.1576070487499237}],"sentiment":"neutral","sentiment_score":0.1576070487499237,"channel":1,"num_words":1,"start":34.66,"end":35.16},{"sentences":[{"text":"boy.","start":34.75,"end":35.23,"sentiment":"neutral","sentiment_score":0.2095191478729248},{"text":"That is","start":35.23,"end":35.87,"sentiment":"neutral","sentiment_score":0.2809237837791443}],"sentiment":"neutral","sentiment_score":0.2571222384770711,"channel":0,"num_words":3,"start":34.75,"end":35.87},{"sentences":[{"text":"yes.","start":35.7,"end":36.2,"sentiment":"neutral","sentiment_score":0.241280198097229}],"sentiment":"neutral","sentiment_score":0.241280198097229,"channel":1,"num_words":1,"start":35.7,"end":36.2},{"sentences":[{"text":"beaut I know you were waiting.","start":35.87,"end":37.309998,"sentiment":"neutral","sentiment_score":0.21730518092711767},{"text":"It was, like, coming, so that's","start":37.309998,"end":39.07,"sentiment":"neutral","sentiment_score":0.15106956164042154}],"sentiment":"neutral","sentiment_score":0.1841873712837696,"channel":0,"num_words":12,"start":35.87,"end":39.07},{"sentences":[{"text":"Yeah.","start":39.059998,"end":39.559998,"sentiment":"positive","sentiment_score":0.4296315312385559}],"sentiment":"positive","sentiment_score":0.4296315312385559,"channel":1,"num_words":1,"start":39.059998,"end":39.559998},{"sentences":[{"text":"fantastic.","start":39.07,"end":39.57,"sentiment":"positive","sentiment_score":0.7135031819343567},{"text":"I'm so excited.","start":39.79,"end":40.769997,"sentiment":"positive","sentiment_score":0.7124408284823099},{"text":"Oh,","start":41.149998,"end":41.649998,"sentiment":"neutral","sentiment_score":0.25106456875801086}],"sentiment":"positive","sentiment_score":0.6203780472278595,"channel":0,"num_words":5,"start":39.07,"end":41.649998},{"sentences":[{"text":"So that's all happened now.","start":41.22,"end":42.9,"sentiment":"neutral","sentiment_score":0.2534970253705978},{"text":"So,","start":42.9,"end":43.4,"sentiment":"neutral","sentiment_score":0.2583189606666565}],"sentiment":"neutral","sentiment_score":0.25430068125327426,"channel":1,"num_words":6,"start":41.22,"end":43.4},{"sentences":[{"text":"Yep.","start":43.844997,"end":44.344997,"sentiment":"neutral","sentiment_score":0.2852911651134491},{"text":"Beautiful.","start":44.725,"end":45.225,"sentiment":"positive","sentiment_score":0.5287514925003052},{"text":"Oh,","start":45.844997,"end":46.164997,"sentiment":"positive","sentiment_score":0.3573436737060547}],"sentiment":"positive","sentiment_score":0.39046211043993634,"channel":0,"num_words":3,"start":43.844997,"end":46.164997},{"sentences":[{"text":"yeah.","start":45.845,"end":46.345,"sentiment":"positive","sentiment_score":0.4249350428581238}],"sentiment":"positive","sentiment_score":0.4249350428581238,"channel":1,"num_words":1,"start":45.845,"end":46.345},{"sentences":[{"text":"that's amazing.","start":46.164997,"end":46.984997,"sentiment":"positive","sentiment_score":0.569050669670105},{"text":"And how's everyone settling into","start":47.045,"end":48.805,"sentiment":"neutral","sentiment_score":0.20862465500831603}],"sentiment":"neutral","sentiment_score":0.31160351634025574,"channel":0,"num_words":7,"start":46.164997,"end":48.805},{"sentences":[{"text":"It's","start":48.445,"end":48.945,"sentiment":"neutral","sentiment_score":0.11072759330272676}],"sentiment":"neutral","sentiment_score":0.11072759330272676,"channel":1,"num_words":1,"start":48.445,"end":48.945},{"sentences":[{"text":"having two kids?","start":48.805,"end":49.864998,"sentiment":"neutral","sentiment_score":0.1298020233710607}],"sentiment":"neutral","sentiment_score":0.1298020233710607,"channel":0,"num_words":3,"start":48.805,"end":49.864998},{"sentences":[{"text":"pretty wild.","start":51.045,"end":51.864998,"sentiment":"neutral","sentiment_score":0.08110650815069675},{"text":"It's very wild.","start":51.925,"end":55.225,"sentiment":"neutral","sentiment_score":0.13331407060225806}],"sentiment":"neutral","sentiment_score":0.11243104562163353,"channel":1,"num_words":5,"start":51.045,"end":55.225},{"sentences":[{"text":"Big change.","start":54.885,"end":55.704998,"sentiment":"neutral","sentiment_score":0.18948369473218918},{"text":"Yeah.","start":55.925,"end":56.425,"sentiment":"neutral","sentiment_score":0.04250926524400711},{"text":"No.","start":56.484997,"end":56.725,"sentiment":"neutral","sentiment_score":-0.001828748732805252}],"sentiment":"neutral","sentiment_score":0.10491197649389505,"channel":0,"num_words":4,"start":54.885,"end":56.725},{"sentences":[{"text":"Bit","start":56.485,"end":56.91,"sentiment":"neutral","sentiment_score":-0.016424614936113358}],"sentiment":"neutral","sentiment_score":-0.016424614936113358,"channel":1,"num_words":1,"start":56.485,"end":56.91},{"sentences":[{"text":"That's perfect.","start":56.725,"end":57.625,"sentiment":"neutral","sentiment_score":0.03196795843541622}],"sentiment":"neutral","sentiment_score":0.03196795843541622,"channel":0,"num_words":2,"start":56.725,"end":57.625},{"sentences":[{"text":"sleep deprived, a bit of this, bit of that.","start":57.15,"end":59.489998,"sentiment":"neutral","sentiment_score":-0.12284694487849872}],"sentiment":"neutral","sentiment_score":-0.12284694487849872,"channel":1,"num_words":9,"start":57.15,"end":59.489998},{"sentences":[{"text":"I understand that.","start":60.01,"end":61.21,"sentiment":"neutral","sentiment_score":-0.045550777266422905},{"text":"Yeah.","start":61.21,"end":61.69,"sentiment":"neutral","sentiment_score":0.01962876692414284},{"text":"Definitely.","start":61.69,"end":62.19,"sentiment":"neutral","sentiment_score":0.04878596216440201}],"sentiment":"neutral","sentiment_score":-0.013647520542144775,"channel":0,"num_words":5,"start":60.01,"end":62.19},{"sentences":[{"text":"Yeah.","start":61.95,"end":62.45,"sentiment":"neutral","sentiment_score":0.028321968391537663}],"sentiment":"neutral","sentiment_score":0.028321968391537663,"channel":1,"num_words":1,"start":61.95,"end":62.45},{"sentences":[{"text":"But it's still a beautiful time, though, isn't it?","start":62.329998,"end":64.33,"sentiment":"neutral","sentiment_score":0.046217206658588514},{"text":"Like, you don't","start":64.33,"end":64.89,"sentiment":"neutral","sentiment_score":-0.023450174058477085}],"sentiment":"neutral","sentiment_score":0.028800361479322117,"channel":0,"num_words":12,"start":62.329998,"end":64.89},{"sentences":[{"text":"That's","start":64.67,"end":65.17,"sentiment":"neutral","sentiment_score":-0.006504780612885952}],"sentiment":"neutral","sentiment_score":-0.006504780612885952,"channel":1,"num_words":1,"start":64.67,"end":65.17},{"sentences":[{"text":"get those moments back.","start":64.89,"end":66.09,"sentiment":"neutral","sentiment_score":0.008160332683473825},{"text":"Yeah.","start":66.09,"end":66.59,"sentiment":"neutral","sentiment_score":-0.019273238256573677}],"sentiment":"neutral","sentiment_score":0.002673618495464325,"channel":0,"num_words":5,"start":64.89,"end":66.59},{"sentences":[{"text":"no.","start":66.43,"end":66.75,"sentiment":"neutral","sentiment_score":-0.021231533959507946},{"text":"That's exactly right.","start":66.75,"end":68.21,"sentiment":"neutral","sentiment_score":0.01741113265355428}],"sentiment":"neutral","sentiment_score":0.007750466000288724,"channel":1,"num_words":4,"start":66.43,"end":68.21},{"sentences":[{"text":"Oh, fantastic.","start":68.649994,"end":69.549995,"sentiment":"neutral","sentiment_score":0.2902270406484604},{"text":"Tyler,","start":70.33,"end":70.729996,"sentiment":"neutral","sentiment_score":0.08995336294174194}],"sentiment":"neutral","sentiment_score":0.22346914807955423,"channel":0,"num_words":3,"start":68.649994,"end":70.729996},{"sentences":[{"text":"Yeah.","start":70.35,"end":70.85,"sentiment":"neutral","sentiment_score":0.1016828715801239}],"sentiment":"neutral","sentiment_score":0.1016828715801239,"channel":1,"num_words":1,"start":70.35,"end":70.85},{"sentences":[{"text":"I do wanna send the email through so you've got the advice document in front of you.","start":70.729996,"end":74.435,"sentiment":"neutral","sentiment_score":0.09524785069858327},{"text":"Do you have access to your emails there at the moment?","start":74.435,"end":76.695,"sentiment":"neutral","sentiment_score":0.03140885213559324}],"sentiment":"neutral","sentiment_score":0.07016824412026576,"channel":0,"num_words":28,"start":70.729996,"end":76.695},{"sentences":[{"text":"Yep.","start":77.275,"end":77.775,"sentiment":"neutral","sentiment_score":0.04103086143732071}],"sentiment":"neutral","sentiment_score":0.04103086143732071,"channel":1,"num_words":1,"start":77.275,"end":77.775},{"sentences":[{"text":"Yep.","start":78.274994,"end":78.59499,"sentiment":"neutral","sentiment_score":0.06935691833496094},{"text":"Perfect.","start":78.59499,"end":78.994995,"sentiment":"neutral","sentiment_score":0.20638370513916016},{"text":"I'll just press send on that one for you.","start":78.994995,"end":81.015,"sentiment":"neutral","sentiment_score":0.13803672045469284},{"text":"Beautiful.","start":82.835,"end":83.335,"sentiment":"neutral","sentiment_score":0.15528331696987152},{"text":"So sorry.","start":83.954994,"end":84.515,"sentiment":"neutral","sentiment_score":-0.07010343857109547}],"sentiment":"neutral","sentiment_score":0.10951053909957409,"channel":0,"num_words":14,"start":78.274994,"end":84.515},{"sentences":[{"text":"I'm losing my voice a little bit this morning.","start":84.515,"end":86.1,"sentiment":"neutral","sentiment_score":-0.21629335317346784},{"text":"So if I stop and pause or clear my throat, I do apologize in advance.","start":86.1,"end":89.72,"sentiment":"neutral","sentiment_score":-0.10993083268404007}],"sentiment":"neutral","sentiment_score":-0.1498167778675755,"channel":0,"num_words":24,"start":84.515,"end":89.72},{"sentences":[{"text":"No.","start":89.53,"end":89.77,"sentiment":"neutral","sentiment_score":-0.1107966974377632},{"text":"That's alright.","start":89.77,"end":90.649994,"sentiment":"neutral","sentiment_score":-0.08905027434229851},{"text":"No.","start":90.649994,"end":90.89,"sentiment":"neutral","sentiment_score":-0.05242440477013588},{"text":"What's","start":90.89,"end":91.39,"sentiment":"neutral","sentiment_score":-0.024753807112574577}],"sentiment":"neutral","sentiment_score":-0.07321509160101414,"channel":1,"num_words":5,"start":89.53,"end":91.39},{"sentences":[{"text":"Yeah.","start":93.3,"end":93.7,"sentiment":"neutral","sentiment_score":0.0003747083246707916},{"text":"I've just sent that one through.","start":93.7,"end":94.82,"sentiment":"neutral","sentiment_score":0.04641311460485061},{"text":"Now moving forward, we do record our calls for quality and training purposes.","start":94.82,"end":97.94,"sentiment":"neutral","sentiment_score":0.07705383547223531},{"text":"Are you happy for me to proceed with that through the rest of the call?","start":97.94,"end":100.84,"sentiment":"neutral","sentiment_score":0.13751236647367476}],"sentiment":"neutral","sentiment_score":0.09552110726279872,"channel":0,"num_words":35,"start":93.3,"end":100.84},{"sentences":[{"text":"Yeah.","start":100.965,"end":101.465,"sentiment":"neutral","sentiment_score":0.08347901701927185}],"sentiment":"neutral","sentiment_score":0.08347901701927185,"channel":1,"num_words":1,"start":100.965,"end":101.465},{"sentences":[{"text":"Yep.","start":101.865,"end":102.104996,"sentiment":"neutral","sentiment_score":0.12718340754508972},{"text":"Beautiful.","start":102.104996,"end":102.505,"sentiment":"neutral","sentiment_score":0.31357985734939575},{"text":"And I'll do security day with you as well.","start":102.505,"end":104.265,"sentiment":"neutral","sentiment_score":0.1935671865940094},{"text":"Just get you to confirm your full name, your date of birth, and address I should have on file.","start":104.265,"end":108.125,"sentiment":"neutral","sentiment_score":0.11023569558011859}],"sentiment":"neutral","sentiment_score":0.14257820534209412,"channel":0,"num_words":30,"start":101.865,"end":108.125},{"sentences":[{"text":"Tyler Steven Follett.","start":108.884995,"end":110.405,"sentiment":"neutral","sentiment_score":0.010287319620450338},{"text":"The twentieth of the third nineteen ninety three and eighteen slash twenty four Caddington Place, Helensvale.","start":110.405,"end":117.28,"sentiment":"neutral","sentiment_score":0.010951110860332847}],"sentiment":"neutral","sentiment_score":0.010846301717193503,"channel":1,"num_words":19,"start":108.884995,"end":117.28},{"sentences":[{"text":"Perfect.","start":118.2,"end":118.68,"sentiment":"positive","sentiment_score":0.7942050695419312},{"text":"Thank you so much for that.","start":118.68,"end":120.119995,"sentiment":"positive","sentiment_score":0.8503598868846893},{"text":"Now the email should come through fairly quickly.","start":120.119995,"end":123.02,"sentiment":"positive","sentiment_score":0.5824780985713005},{"text":"I'm just opening it back up on my end.","start":123.24,"end":125.56,"sentiment":"neutral","sentiment_score":0.3199223445521461},{"text":"Although technology doesn't always like this, so we'll see how it","start":125.56,"end":128.625,"sentiment":"neutral","sentiment_score":0.002010208639231595}],"sentiment":"positive","sentiment_score":0.3845029307263238,"channel":0,"num_words":35,"start":118.2,"end":128.625},{"sentences":[{"text":"My my emails are browsing for some reason.","start":129.685,"end":132.72499,"sentiment":"neutral","sentiment_score":-0.04327243869192898},{"text":"I've seen that pop up on circles.","start":132.72499,"end":134.745,"sentiment":"neutral","sentiment_score":-0.0026929041902933803},{"text":"See if I can","start":134.805,"end":135.525,"sentiment":"neutral","sentiment_score":-0.0019543259404599667}],"sentiment":"neutral","sentiment_score":-0.019623533822596073,"channel":1,"num_words":19,"start":129.685,"end":135.525},{"sentences":[{"text":"goes.","start":136.065,"end":136.565,"sentiment":"neutral","sentiment_score":0.012505798600614073},{"text":"You're right.","start":136.625,"end":137.445,"sentiment":"neutral","sentiment_score":0.10326390340924264}],"sentiment":"neutral","sentiment_score":0.07301120180636646,"channel":0,"num_words":3,"start":136.065,"end":137.445},{"sentences":[{"text":"It's because I got one bar once.","start":160.915,"end":162.855,"sentiment":"neutral","sentiment_score":0.026918445048587664},{"text":"Mhmm.","start":162.915,"end":163.415,"sentiment":"neutral","sentiment_score":0.04071049392223358}],"sentiment":"neutral","sentiment_score":0.028642451157793403,"channel":1,"num_words":8,"start":160.915,"end":163.415},{"sentences":[{"text":"Oh, that's okay.","start":164.015,"end":164.895,"sentiment":"neutral","sentiment_score":0.16885683933893839},{"text":"If you can't look at it, I can always just run through it for you, and then you're welcome to review it later and let me know if you have any questions because I do want","start":164.895,"end":171.75,"sentiment":"neutral","sentiment_score":0.19310194957587454}],"sentiment":"neutral","sentiment_score":0.19123694109611022,"channel":0,"num_words":39,"start":164.015,"end":171.75},{"sentences":[{"text":"Yeah.","start":171.635,"end":172.135,"sentiment":"neutral","sentiment_score":0.08229528367519379}],"sentiment":"neutral","sentiment_score":0.08229528367519379,"channel":1,"num_words":1,"start":171.635,"end":172.135},{"sentences":[{"text":"you to make through it as well.","start":171.75,"end":173.85,"sentiment":"neutral","sentiment_score":0.10664462351373263},{"text":"What would you like me to sort of do?","start":174.15001,"end":175.67,"sentiment":"neutral","sentiment_score":0.026772772893309593},{"text":"Did you wanna open it","start":175.67,"end":176.71,"sentiment":"neutral","sentiment_score":0.007511515729129314}],"sentiment":"neutral","sentiment_score":0.04881070948959816,"channel":0,"num_words":21,"start":171.75,"end":176.71},{"sentences":[{"text":"Yep.","start":176.61,"end":177.11,"sentiment":"neutral","sentiment_score":0.011758280918002129}],"sentiment":"neutral","sentiment_score":0.011758280918002129,"channel":1,"num_words":1,"start":176.61,"end":177.11},{"sentences":[{"text":"first, or did you want me just to run through it?","start":176.71,"end":179.05,"sentiment":"neutral","sentiment_score":0.009677110917188904}],"sentiment":"neutral","sentiment_score":0.009677110917188904,"channel":0,"num_words":11,"start":176.71,"end":179.05},{"sentences":[{"text":"No.","start":179.33,"end":179.73,"sentiment":"neutral","sentiment_score":-0.02117791771888733},{"text":"Just run through it, and then we can","start":179.73,"end":181.56999,"sentiment":"neutral","sentiment_score":0.010299510322511196}],"sentiment":"neutral","sentiment_score":0.00680201831791136,"channel":1,"num_words":9,"start":179.33,"end":181.56999},{"sentences":[{"text":"Yep.","start":181.495,"end":181.995,"sentiment":"neutral","sentiment_score":0.011666012927889824}],"sentiment":"neutral","sentiment_score":0.011666012927889824,"channel":0,"num_words":1,"start":181.495,"end":181.995},{"sentences":[{"text":"and then I can review it.","start":181.73,"end":183.26999,"sentiment":"neutral","sentiment_score":0.027556148978571098}],"sentiment":"neutral","sentiment_score":0.027556148978571098,"channel":1,"num_words":6,"start":181.73,"end":183.26999},{"sentences":[{"text":"Yeah.","start":183.495,"end":183.81499,"sentiment":"neutral","sentiment_score":0.20056839287281036},{"text":"Perfect.","start":183.81499,"end":184.215,"sentiment":"positive","sentiment_score":0.3977256417274475},{"text":"When you got some time later, lay down with","start":184.215,"end":186.215,"sentiment":"neutral","sentiment_score":0.141860983437962}],"sentiment":"neutral","sentiment_score":0.17045844414017416,"channel":0,"num_words":11,"start":183.495,"end":186.215},{"sentences":[{"text":"Yeah.","start":186.12999,"end":186.62999,"sentiment":"neutral","sentiment_score":0.14917725324630737}],"sentiment":"neutral","sentiment_score":0.14917725324630737,"channel":1,"num_words":1,"start":186.12999,"end":186.62999},{"sentences":[{"text":"Bob, have a bit of a read while you're nursing Bob.","start":186.215,"end":188.69499,"sentiment":"neutral","sentiment_score":0.16358008845285935},{"text":"Sounds good.","start":188.69499,"end":189.515,"sentiment":"positive","sentiment_score":0.34060586988925934}],"sentiment":"neutral","sentiment_score":0.19081482405845934,"channel":0,"num_words":13,"start":186.215,"end":189.515},{"sentences":[{"text":"Yeah.","start":189.375,"end":189.535,"sentiment":"neutral","sentiment_score":0.09238293766975404},{"text":"Yeah.","start":189.535,"end":190.035,"sentiment":"neutral","sentiment_score":0.07184595614671707},{"text":"It takes a free time when I'm at home.","start":190.335,"end":192.335,"sentiment":"neutral","sentiment_score":0.08289123906029595},{"text":"That's for sure.","start":192.335,"end":193.315,"sentiment":"neutral","sentiment_score":0.11773702005545299}],"sentiment":"neutral","sentiment_score":0.09024722182324954,"channel":1,"num_words":14,"start":189.375,"end":193.315},{"sentences":[{"text":"Absolutely.","start":193.62,"end":194.12,"sentiment":"neutral","sentiment_score":0.13511566817760468},{"text":"Although it's different free time, isn't it?","start":194.9,"end":197.06,"sentiment":"neutral","sentiment_score":-0.011399711881365095},{"text":"It's like you're","start":197.06,"end":197.78,"sentiment":"neutral","sentiment_score":-0.020036884893973667}],"sentiment":"neutral","sentiment_score":-0.00043572451580654506,"channel":0,"num_words":11,"start":193.62,"end":197.78},{"sentences":[{"text":"Yeah.","start":197.695,"end":198.195,"sentiment":"neutral","sentiment_score":-0.014900926500558851}],"sentiment":"neutral","sentiment_score":-0.014900926500558851,"channel":1,"num_words":1,"start":197.695,"end":198.195},{"sentences":[{"text":"sitting around doing nothing, but you're, you know, focused on what you're doing at the time with Bobby.","start":197.78,"end":202.18,"sentiment":"neutral","sentiment_score":0.005743223365344521},{"text":"So yeah.","start":202.18,"end":203.0,"sentiment":"neutral","sentiment_score":0.06304478645324707}],"sentiment":"neutral","sentiment_score":0.011473379674134776,"channel":0,"num_words":20,"start":197.78,"end":203.0},{"sentences":[{"text":"Yeah.","start":202.66,"end":203.16,"sentiment":"neutral","sentiment_score":0.15615028142929077},{"text":"That's exactly right.","start":203.22,"end":204.76,"sentiment":"neutral","sentiment_score":0.2920352816581726}],"sentiment":"neutral","sentiment_score":0.25806403160095215,"channel":1,"num_words":4,"start":202.66,"end":204.76},{"sentences":[{"text":"Beautiful.","start":205.565,"end":206.065,"sentiment":"positive","sentiment_score":0.6046857833862305},{"text":"Beautiful.","start":206.125,"end":206.625,"sentiment":"positive","sentiment_score":0.5340973138809204},{"text":"Well, I'll run through this document for you.","start":207.245,"end":209.165,"sentiment":"neutral","sentiment_score":0.22690563462674618},{"text":"I'll try to sorta hit the points that I absolutely have to.","start":209.165,"end":211.725,"sentiment":"neutral","sentiment_score":0.1891589673856894},{"text":"I'll give you some updates","start":211.725,"end":212.845,"sentiment":"neutral","sentiment_score":0.16576651930809022}],"sentiment":"neutral","sentiment_score":0.22417660664629052,"channel":0,"num_words":27,"start":205.565,"end":212.845},{"sentences":[{"text":"Yep.","start":212.81999,"end":213.31999,"sentiment":"neutral","sentiment_score":0.11612887680530548}],"sentiment":"neutral","sentiment_score":0.11612887680530548,"channel":1,"num_words":1,"start":212.81999,"end":213.31999},{"sentences":[{"text":"around it, and then you're welcome to read it through.","start":212.845,"end":214.685,"sentiment":"neutral","sentiment_score":0.2225339651107788},{"text":"Let me know if you do have any questions in the meantime.","start":214.685,"end":217.105,"sentiment":"neutral","sentiment_score":0.14863425369064012},{"text":"I don't work Fridays because it is my day with my son.","start":217.76,"end":220.31999,"sentiment":"neutral","sentiment_score":-0.0824156819532315},{"text":"However, I will be on my emails tomorrow because I have a lot of phonics to write.","start":220.31999,"end":223.51999,"sentiment":"neutral","sentiment_score":-0.026160312487798577},{"text":"So if you do happen","start":223.51999,"end":224.64,"sentiment":"neutral","sentiment_score":0.019018004089593886}],"sentiment":"neutral","sentiment_score":0.04768441464485867,"channel":0,"num_words":56,"start":212.845,"end":224.64},{"sentences":[{"text":"Yep.","start":224.395,"end":224.895,"sentiment":"neutral","sentiment_score":-0.012551172636449335}],"sentiment":"neutral","sentiment_score":-0.012551172636449335,"channel":1,"num_words":1,"start":224.395,"end":224.895},{"sentences":[{"text":"to have any questions, you are welcome to email me, and I'll email you after the call.","start":224.64,"end":229.28,"sentiment":"neutral","sentiment_score":0.14504864899551168},{"text":"That way, you've kinda got my email there.","start":229.28,"end":231.37999,"sentiment":"neutral","sentiment_score":0.23156877793371677},{"text":"And","start":231.725,"end":231.885,"sentiment":"neutral","sentiment_score":0.1436925083398819}],"sentiment":"neutral","sentiment_score":0.17161806787435824,"channel":0,"num_words":26,"start":224.64,"end":231.885},{"sentences":[{"text":"Okay.","start":231.87001,"end":232.37001,"sentiment":"neutral","sentiment_score":0.17912164330482483}],"sentiment":"neutral","sentiment_score":0.17912164330482483,"channel":1,"num_words":1,"start":231.87001,"end":232.37001},{"sentences":[{"text":"you're welcome to email me with any questions or else and I can always make time to follow-up as well.","start":231.885,"end":236.925,"sentiment":"neutral","sentiment_score":0.20929548889398575},{"text":"Okay?","start":236.925,"end":237.425,"sentiment":"neutral","sentiment_score":0.10920296609401704}],"sentiment":"neutral","sentiment_score":0.20452917828446343,"channel":0,"num_words":21,"start":231.885,"end":237.425},{"sentences":[{"text":"Yeah.","start":237.47,"end":237.97,"sentiment":"neutral","sentiment_score":0.12377925217151642},{"text":"Not a problem at all.","start":238.03,"end":239.33,"sentiment":"positive","sentiment_score":0.4014508068561554}],"sentiment":"positive","sentiment_score":0.35517221440871555,"channel":1,"num_words":6,"start":237.47,"end":239.33},{"sentences":[{"text":"Beautiful.","start":238.925,"end":239.425,"sentiment":"positive","sentiment_score":0.799964427947998},{"text":"Easy.","start":239.805,"end":240.305,"sentiment":"positive","sentiment_score":0.6805484294891357},{"text":"Now the advice document has been prepared for yourself, Tyler Fuller, as of the March 18.","start":240.845,"end":245.64499,"sentiment":"neutral","sentiment_score":0.19583992986008525},{"text":"We did finalize it yesterday for you.","start":245.645,"end":247.79,"sentiment":"neutral","sentiment_score":0.24139853886195592},{"text":"Prepared by myself, Dana Taylor.","start":248.11,"end":249.79,"sentiment":"neutral","sentiment_score":0.12209128588438034}],"sentiment":"neutral","sentiment_score":0.23047326455513636,"channel":0,"num_words":30,"start":238.925,"end":249.79},{"sentences":[{"text":"I'm an authorized representative under Oakview Financial, and my representative license number registered through ASIC is 1304394.","start":249.79,"end":258.255,"sentiment":"neutral","sentiment_score":0.1006594865637667}],"sentiment":"neutral","sentiment_score":0.1006594865637667,"channel":0,"num_words":17,"start":249.79,"end":258.255},{"sentences":[{"text":"Yes.","start":258.73,"end":259.23,"sentiment":"neutral","sentiment_score":0.2239477336406708}],"sentiment":"neutral","sentiment_score":0.2239477336406708,"channel":1,"num_words":1,"start":258.73,"end":259.23},{"sentences":[{"text":"The advice has been provided in best interest, making sure we're here to meet your goals.","start":259.215,"end":263.155,"sentiment":"positive","sentiment_score":0.3941696360707283},{"text":"The advice will need to be updated moving forward there as well.","start":264.015,"end":266.655,"sentiment":"neutral","sentiment_score":0.18700400119026503},{"text":"And I do know your birthday is tomorrow, so happy birthday for tomorrow.","start":266.655,"end":270.275,"sentiment":"neutral","sentiment_score":0.2516753856952374}],"sentiment":"neutral","sentiment_score":0.28835468793787605,"channel":0,"num_words":41,"start":259.215,"end":270.275},{"sentences":[{"text":"Thank you, Connolly.","start":270.665,"end":271.885,"sentiment":"positive","sentiment_score":0.5186055998007456},{"text":"That's when you're,","start":271.945,"end":272.745,"sentiment":"neutral","sentiment_score":0.1314196934302648}],"sentiment":"neutral","sentiment_score":0.3250126466155052,"channel":1,"num_words":6,"start":270.665,"end":272.745},{"sentences":[{"text":"I hope.","start":272.58,"end":273.16,"sentiment":"neutral","sentiment_score":0.20701075345277786}],"sentiment":"neutral","sentiment_score":0.20701075345277786,"channel":0,"num_words":2,"start":272.58,"end":273.16},{"sentences":[{"text":"like, oh, you can email me tomorrow.","start":272.745,"end":274.985,"sentiment":"neutral","sentiment_score":0.09975381408418928},{"text":"I was thinking in my head that I probably won't.","start":274.985,"end":277.405,"sentiment":"neutral","sentiment_score":-0.11235501691699028}],"sentiment":"neutral","sentiment_score":-0.025016086504739875,"channel":1,"num_words":17,"start":272.745,"end":277.405},{"sentences":[{"text":"That's okay.","start":278.02,"end":278.9,"sentiment":"neutral","sentiment_score":-0.05360982567071915},{"text":"I just don't want anyone to ever think that they're not able to contact me on Fridays.","start":278.9,"end":282.82,"sentiment":"neutral","sentiment_score":-0.14279485055628946},{"text":"I","start":282.82,"end":282.97998,"sentiment":"neutral","sentiment_score":-0.02738434635102749}],"sentiment":"neutral","sentiment_score":-0.12810582285746933,"channel":0,"num_words":20,"start":278.02,"end":282.97998},{"sentences":[{"text":"Yeah.","start":282.905,"end":283.305,"sentiment":"neutral","sentiment_score":-0.008024647831916809}],"sentiment":"neutral","sentiment_score":-0.008024647831916809,"channel":1,"num_words":1,"start":282.905,"end":283.305},{"sentences":[{"text":"do work","start":282.97998,"end":283.38,"sentiment":"neutral","sentiment_score":-0.006515756249427795}],"sentiment":"neutral","sentiment_score":-0.006515756249427795,"channel":0,"num_words":2,"start":282.97998,"end":283.38},{"sentences":[{"text":"Of","start":283.305,"end":283.465,"sentiment":"neutral","sentiment_score":-0.004073629155755043}],"sentiment":"neutral","sentiment_score":-0.004073629155755043,"channel":1,"num_words":1,"start":283.305,"end":283.465},{"sentences":[{"text":"Monday","start":283.38,"end":283.62,"sentiment":"neutral","sentiment_score":-0.007255282253026962}],"sentiment":"neutral","sentiment_score":-0.007255282253026962,"channel":0,"num_words":1,"start":283.38,"end":283.62},{"sentences":[{"text":"course.","start":283.465,"end":283.965,"sentiment":"neutral","sentiment_score":0.008450526744127274}],"sentiment":"neutral","sentiment_score":0.008450526744127274,"channel":1,"num_words":1,"start":283.465,"end":283.965},{"sentences":[{"text":"to Thursday and work longer hours, so I get Friday with my son.","start":283.62,"end":286.74,"sentiment":"neutral","sentiment_score":0.012337162947425475},{"text":"But most","start":286.74,"end":287.54498,"sentiment":"neutral","sentiment_score":-0.000490930862724781}],"sentiment":"neutral","sentiment_score":0.010626750439405442,"channel":0,"num_words":15,"start":283.62,"end":287.54498},{"sentences":[{"text":"Yeah.","start":287.44,"end":287.76,"sentiment":"neutral","sentiment_score":-0.006100483238697052}],"sentiment":"neutral","sentiment_score":-0.006100483238697052,"channel":1,"num_words":1,"start":287.44,"end":287.76},{"sentences":[{"text":"Fridays,","start":287.54498,"end":287.94498,"sentiment":"neutral","sentiment_score":-0.026410860940814015}],"sentiment":"neutral","sentiment_score":-0.026410860940814015,"channel":0,"num_words":1,"start":287.54498,"end":287.94498},{"sentences":[{"text":"I gotcha.","start":287.76,"end":288.34,"sentiment":"neutral","sentiment_score":-0.03181997127830982}],"sentiment":"neutral","sentiment_score":-0.03181997127830982,"channel":1,"num_words":2,"start":287.76,"end":288.34},{"sentences":[{"text":"I'm on my email.","start":287.94498,"end":288.82498,"sentiment":"neutral","sentiment_score":-0.012565081007778645},{"text":"You can ask Maddie.","start":288.82498,"end":289.705,"sentiment":"neutral","sentiment_score":0.005795804172521457},{"text":"I'm always on my email sort of doing something anyway, but I never want anyone to feel like they can't contact me.","start":289.705,"end":294.82498,"sentiment":"neutral","sentiment_score":-0.06272927688604052},{"text":"But I hope","start":294.82498,"end":295.705,"sentiment":"neutral","sentiment_score":0.04103409250577291}],"sentiment":"neutral","sentiment_score":-0.03890966428232125,"channel":0,"num_words":33,"start":287.94498,"end":295.705},{"sentences":[{"text":"Yeah.","start":295.68,"end":296.18,"sentiment":"neutral","sentiment_score":0.14055556058883667}],"sentiment":"neutral","sentiment_score":0.14055556058883667,"channel":1,"num_words":1,"start":295.68,"end":296.18},{"sentences":[{"text":"you just enjoy your birthday and hopefully go","start":295.705,"end":297.705,"sentiment":"positive","sentiment_score":0.3496762029826641}],"sentiment":"positive","sentiment_score":0.3496762029826641,"channel":0,"num_words":8,"start":295.705,"end":297.705},{"sentences":[{"text":"I","start":297.68,"end":297.92,"sentiment":"positive","sentiment_score":0.4153923988342285}],"sentiment":"positive","sentiment_score":0.4153923988342285,"channel":1,"num_words":1,"start":297.68,"end":297.92},{"sentences":[{"text":"out for","start":297.705,"end":297.94498,"sentiment":"positive","sentiment_score":0.34099921584129333}],"sentiment":"positive","sentiment_score":0.34099921584129333,"channel":0,"num_words":2,"start":297.705,"end":297.94498},{"sentences":[{"text":"will.","start":297.92,"end":298.42,"sentiment":"neutral","sentiment_score":0.2493053674697876}],"sentiment":"neutral","sentiment_score":0.2493053674697876,"channel":1,"num_words":1,"start":297.92,"end":298.42},{"sentences":[{"text":"dinner or do something fun.","start":297.94498,"end":299.565,"sentiment":"neutral","sentiment_score":0.20798631608486176}],"sentiment":"neutral","sentiment_score":0.20798631608486176,"channel":0,"num_words":5,"start":297.94498,"end":299.565},{"sentences":[{"text":"I will.","start":300.145,"end":300.465,"sentiment":"neutral","sentiment_score":0.14588169008493423},{"text":"I got the dials, so that's a plus.","start":300.465,"end":302.645,"sentiment":"neutral","sentiment_score":0.13634296879172325}],"sentiment":"neutral","sentiment_score":0.13825071305036546,"channel":1,"num_words":10,"start":300.145,"end":302.645},{"sentences":[{"text":"Fantastic.","start":303.57,"end":304.07,"sentiment":"positive","sentiment_score":0.5932118892669678},{"text":"Fantastic.","start":304.21002,"end":304.71002,"sentiment":"positive","sentiment_score":0.47693032026290894},{"text":"With the scope of the advice, we have scoped in superannuation.","start":306.05002,"end":308.71002,"sentiment":"neutral","sentiment_score":0.10418970307165926},{"text":"So when we sort of touched base last time to do your review, there were some underperforming assets.","start":309.01,"end":313.25,"sentiment":"neutral","sentiment_score":-0.010899280508359274},{"text":"I wanted to have those removed.","start":313.25,"end":314.69,"sentiment":"neutral","sentiment_score":-0.10901919504006703}],"sentiment":"neutral","sentiment_score":0.036916938484520524,"channel":0,"num_words":37,"start":303.57,"end":314.69},{"sentences":[{"text":"So I've looked at how","start":314.69,"end":315.65002,"sentiment":"neutral","sentiment_score":0.043847641348838805}],"sentiment":"neutral","sentiment_score":0.043847641348838805,"channel":0,"num_words":5,"start":314.69,"end":315.65002},{"sentences":[{"text":"Yep.","start":315.6,"end":316.1,"sentiment":"neutral","sentiment_score":0.09300097078084946}],"sentiment":"neutral","sentiment_score":0.09300097078084946,"channel":1,"num_words":1,"start":315.6,"end":316.1},{"sentences":[{"text":"to adjust the portfolio to make sure they are removed and keep you on track to meeting your goal.","start":315.65002,"end":320.195,"sentiment":"neutral","sentiment_score":0.17340198865062312}],"sentiment":"neutral","sentiment_score":0.17340198865062312,"channel":0,"num_words":19,"start":315.65002,"end":320.195},{"sentences":[{"text":"Yeah.","start":320.56,"end":321.06,"sentiment":"neutral","sentiment_score":0.013878767378628254}],"sentiment":"neutral","sentiment_score":0.013878767378628254,"channel":1,"num_words":1,"start":320.56,"end":321.06},{"sentences":[{"text":"We also looked at the child trauma policy.","start":321.535,"end":324.115,"sentiment":"neutral","sentiment_score":-0.02415750687941909},{"text":"So Oscar","start":324.175,"end":324.895,"sentiment":"neutral","sentiment_score":0.006779829040169716}],"sentiment":"neutral","sentiment_score":-0.017970039695501327,"channel":0,"num_words":10,"start":321.535,"end":324.895},{"sentences":[{"text":"Mhmm.","start":324.88,"end":325.38,"sentiment":"neutral","sentiment_score":0.003643940202891826}],"sentiment":"neutral","sentiment_score":0.003643940202891826,"channel":1,"num_words":1,"start":324.88,"end":325.38},{"sentences":[{"text":"is now two.","start":324.895,"end":326.035,"sentiment":"neutral","sentiment_score":0.0021554287523031235},{"text":"I've looked at how to structure a child trauma policy for a 100,000 to make it cost effective for you because I know with your other insurance policy, you have just gone through renewals.","start":326.575,"end":336.34,"sentiment":"neutral","sentiment_score":0.0074907777940525725},{"text":"So your policy has increased in cost a little bit there as well.","start":336.34,"end":339.3,"sentiment":"neutral","sentiment_score":-0.2563712436419267},{"text":"You're paying a bit","start":339.3,"end":340.02,"sentiment":"neutral","sentiment_score":-0.10985565558075905}],"sentiment":"neutral","sentiment_score":-0.06502029737802567,"channel":0,"num_words":54,"start":324.895,"end":340.02},{"sentences":[{"text":"Yeah.","start":339.925,"end":340.425,"sentiment":"neutral","sentiment_score":-0.10905835032463074}],"sentiment":"neutral","sentiment_score":-0.10905835032463074,"channel":1,"num_words":1,"start":339.925,"end":340.425},{"sentences":[{"text":"more out of pocket now.","start":340.02,"end":341.24,"sentiment":"neutral","sentiment_score":-0.2142174184322357}],"sentiment":"neutral","sentiment_score":-0.2142174184322357,"channel":0,"num_words":5,"start":340.02,"end":341.24},{"sentences":[{"text":"Yeah.","start":341.81,"end":342.21,"sentiment":"neutral","sentiment_score":-0.04116961359977722},{"text":"I was saying that.","start":342.21,"end":343.17,"sentiment":"neutral","sentiment_score":-0.02163351373746991},{"text":"Yep.","start":343.17,"end":343.67,"sentiment":"neutral","sentiment_score":0.025631006807088852}],"sentiment":"neutral","sentiment_score":-0.017012110290428,"channel":1,"num_words":6,"start":341.81,"end":343.67},{"sentences":[{"text":"Yeah.","start":343.865,"end":344.265,"sentiment":"neutral","sentiment_score":0.024592405185103416},{"text":"So those policies are steps.","start":344.265,"end":345.945,"sentiment":"neutral","sentiment_score":0.03000989630818367},{"text":"I'll go through it with you as well, but, essentially, they are steps.","start":345.945,"end":348.98502,"sentiment":"neutral","sentiment_score":0.06374224698027739},{"text":"They do increase in cost every year, so that's why it's important we do kinda review those with you to make sure the level of cover is what you're after so that you're","start":348.98502,"end":356.77002,"sentiment":"neutral","sentiment_score":-0.024267483446182625}],"sentiment":"neutral","sentiment_score":0.0038935412258769455,"channel":0,"num_words":52,"start":343.865,"end":356.77002},{"sentences":[{"text":"Yep.","start":356.725,"end":357.225,"sentiment":"neutral","sentiment_score":-0.016567949205636978}],"sentiment":"neutral","sentiment_score":-0.016567949205636978,"channel":1,"num_words":1,"start":356.725,"end":357.225},{"sentences":[{"text":"not paying too much as well because now having two kids expenditure does go up.","start":356.77002,"end":361.11002,"sentiment":"neutral","sentiment_score":-0.23800192375977833},{"text":"So out of pocket expenses do need to be considered.","start":361.49,"end":364.07,"sentiment":"neutral","sentiment_score":-0.1492391660809517},{"text":"Okay?","start":364.29,"end":364.79,"sentiment":"neutral","sentiment_score":-0.002567686140537262}],"sentiment":"neutral","sentiment_score":-0.1948072385902588,"channel":0,"num_words":26,"start":356.77002,"end":364.79},{"sentences":[{"text":"Yeah.","start":365.605,"end":365.76498,"sentiment":"neutral","sentiment_score":0.018183676525950432},{"text":"Yep.","start":365.76498,"end":366.26498,"sentiment":"neutral","sentiment_score":0.03093366138637066}],"sentiment":"neutral","sentiment_score":0.024558668956160545,"channel":1,"num_words":2,"start":365.605,"end":366.26498},{"sentences":[{"text":"Scraping out of the advice, so we're not looking at any personal investment or cash flow and budgeting at the moment.","start":366.93,"end":371.955,"sentiment":"neutral","sentiment_score":-0.08854720404460317},{"text":"One of your medium term goals is to purchase another property and turn your home into an investment, and you're also","start":371.955,"end":377.79498,"sentiment":"neutral","sentiment_score":0.09504754823588189}],"sentiment":"neutral","sentiment_score":0.0032501720956393644,"channel":0,"num_words":42,"start":366.93,"end":377.79498},{"sentences":[{"text":"Yep.","start":377.77002,"end":378.27002,"sentiment":"neutral","sentiment_score":0.05964108929038048}],"sentiment":"neutral","sentiment_score":0.05964108929038048,"channel":1,"num_words":1,"start":377.77002,"end":378.27002},{"sentences":[{"text":"looking to do some renovations down the track as well.","start":377.79498,"end":380.115,"sentiment":"neutral","sentiment_score":0.06386794708669186}],"sentiment":"neutral","sentiment_score":0.06386794708669186,"channel":0,"num_words":10,"start":377.79498,"end":380.115},{"sentences":[{"text":"Yeah.","start":380.025,"end":380.525,"sentiment":"neutral","sentiment_score":0.04622986912727356}],"sentiment":"neutral","sentiment_score":0.04622986912727356,"channel":1,"num_words":1,"start":380.025,"end":380.525},{"sentences":[{"text":"But if you needed any cash flow and budgeting or other advice, you let me know.","start":380.115,"end":383.955,"sentiment":"neutral","sentiment_score":0.059920845087617636},{"text":"You're an ongoing client, so I can certainly help you moving forward with other areas of advice.","start":383.955,"end":388.51,"sentiment":"neutral","sentiment_score":0.21265600665527232},{"text":"Okay?","start":388.57,"end":389.07,"sentiment":"neutral","sentiment_score":0.08049078285694122}],"sentiment":"neutral","sentiment_score":0.13689342404113097,"channel":0,"num_words":34,"start":380.115,"end":389.07},{"sentences":[{"text":"Sway.","start":389.065,"end":389.565,"sentiment":"neutral","sentiment_score":0.09467454999685287},{"text":"Yeah.","start":389.785,"end":390.285,"sentiment":"neutral","sentiment_score":0.19880211353302}],"sentiment":"neutral","sentiment_score":0.14673833176493645,"channel":1,"num_words":2,"start":389.065,"end":390.285},{"sentences":[{"text":"Perfect.","start":390.09,"end":390.59,"sentiment":"positive","sentiment_score":0.35675865411758423},{"text":"Now with the with your assets and liabilities, I have those noted in here for you at the current level that we sort of discussed in the annual review.","start":391.61,"end":399.63,"sentiment":"neutral","sentiment_score":0.11095029539589224},{"text":"If you find that there's any discrepancy or you would rather change those asset values, I know the mortgage can fluctuate with, you know, paying it down and interest coming out and things like that.","start":399.88498,"end":409.10498,"sentiment":"neutral","sentiment_score":0.003535174618342093},{"text":"The assets and liabilities don't have an effect on the advice that we're providing.","start":409.565,"end":413.58002,"sentiment":"neutral","sentiment_score":-0.016435082868805954},{"text":"However, if you would like me to update those in the back end, you can let me know.","start":413.58002,"end":416.78,"sentiment":"neutral","sentiment_score":0.10730183952384525}],"sentiment":"neutral","sentiment_score":0.05566381735573571,"channel":0,"num_words":97,"start":390.09,"end":416.78},{"sentences":[{"text":"I can make a note of any changes to your assets and liabilities that we do have noted in the advice document there as well.","start":416.78,"end":422.7,"sentiment":"neutral","sentiment_score":0.10512145951390267},{"text":"Okay?","start":422.7,"end":423.2,"sentiment":"neutral","sentiment_score":0.06966236978769302}],"sentiment":"neutral","sentiment_score":0.1037576483705869,"channel":0,"num_words":26,"start":416.78,"end":423.2},{"sentences":[{"text":"Okay.","start":423.13,"end":423.53,"sentiment":"neutral","sentiment_score":0.09294681251049042},{"text":"No worries.","start":423.53,"end":424.27,"sentiment":"neutral","sentiment_score":0.21153055131435394}],"sentiment":"neutral","sentiment_score":0.17200263837973276,"channel":1,"num_words":3,"start":423.13,"end":424.27},{"sentences":[{"text":"Perfect.","start":424.785,"end":425.285,"sentiment":"positive","sentiment_score":0.3734189867973328},{"text":"Now as of the time we provided the advice document, the balance in super was about 82,297 and 27¢, and you do","start":425.825,"end":433.74503,"sentiment":"neutral","sentiment_score":0.1376697128372533}],"sentiment":"neutral","sentiment_score":0.14838558892634782,"channel":0,"num_words":23,"start":424.785,"end":433.74503},{"sentences":[{"text":"Yep.","start":433.53,"end":434.03,"sentiment":"neutral","sentiment_score":0.05784860998392105}],"sentiment":"neutral","sentiment_score":0.05784860998392105,"channel":1,"num_words":1,"start":433.53,"end":434.03},{"sentences":[{"text":"have your one pass policy.","start":433.74503,"end":435.285,"sentiment":"neutral","sentiment_score":0.1289076641201973},{"text":"So out of super, you are paying for life, TPD, and income protection.","start":435.42502,"end":439.36502,"sentiment":"neutral","sentiment_score":0.12493673310830043},{"text":"You have 1,000,050 of life and TBD, and then an income protection policy providing a monthly, before income tax benefit of 5,544.","start":439.62,"end":450.52,"sentiment":"neutral","sentiment_score":0.12967037985270674},{"text":"You have a thirty","start":450.58,"end":451.38,"sentiment":"neutral","sentiment_score":0.1528429053723812}],"sentiment":"neutral","sentiment_score":0.13029172339222647,"channel":0,"num_words":44,"start":433.74503,"end":451.38},{"sentences":[{"text":"Yep.","start":451.19998,"end":451.69998,"sentiment":"neutral","sentiment_score":0.13455116748809814}],"sentiment":"neutral","sentiment_score":0.13455116748809814,"channel":1,"num_words":1,"start":451.19998,"end":451.69998},{"sentences":[{"text":"day waiting period and a six year benefit period on that one.","start":451.38,"end":454.68,"sentiment":"neutral","sentiment_score":0.14042749317983785},{"text":"And then you've also got your one pass policy, which has just gone through renewal there.","start":454.775,"end":459.435,"sentiment":"neutral","sentiment_score":0.15119222225621343},{"text":"The total yearly premium for this is $435.60 out of pocket, and you're actually covered","start":459.655,"end":465.33502,"sentiment":"neutral","sentiment_score":0.15173196246226628}],"sentiment":"neutral","sentiment_score":0.1483763932835224,"channel":0,"num_words":43,"start":451.38,"end":465.33502},{"sentences":[{"text":"Yeah.","start":464.975,"end":465.475,"sentiment":"neutral","sentiment_score":0.03009435161948204}],"sentiment":"neutral","sentiment_score":0.03009435161948204,"channel":1,"num_words":1,"start":464.975,"end":465.475},{"sentences":[{"text":"for now a $105,000 of life and trauma cover for yourself.","start":465.33502,"end":469.83502,"sentiment":"neutral","sentiment_score":-0.008741070939735933},{"text":"These are paid outside of super.","start":471.0,"end":473.0,"sentiment":"neutral","sentiment_score":-0.07491503780086835},{"text":"They are all stepped premiums.","start":473.0,"end":474.7,"sentiment":"neutral","sentiment_score":-0.06549083441495895},{"text":"So both your policies inside super and outside super will increase in cost","start":474.76,"end":479.5,"sentiment":"neutral","sentiment_score":-0.0938488058745861}],"sentiment":"neutral","sentiment_score":-0.059803733016763415,"channel":0,"num_words":35,"start":465.33502,"end":479.5},{"sentences":[{"text":"Yeah.","start":480.1,"end":480.6,"sentiment":"neutral","sentiment_score":-0.11748942732810974}],"sentiment":"neutral","sentiment_score":-0.11748942732810974,"channel":1,"num_words":1,"start":480.1,"end":480.6},{"sentences":[{"text":"as you get older as the risk of you making a claim increases.","start":480.12,"end":483.18,"sentiment":"neutral","sentiment_score":-0.31688666687561917},{"text":"However,","start":483.64,"end":484.04,"sentiment":"neutral","sentiment_score":-0.07107096910476685}],"sentiment":"neutral","sentiment_score":-0.2993284027491297,"channel":0,"num_words":14,"start":480.12,"end":484.04},{"sentences":[{"text":"Yeah.","start":483.86,"end":484.36,"sentiment":"neutral","sentiment_score":-0.11385753005743028}],"sentiment":"neutral","sentiment_score":-0.11385753005743028,"channel":1,"num_words":1,"start":483.86,"end":484.36},{"sentences":[{"text":"they are also CPI linked.","start":484.04,"end":485.805,"sentiment":"neutral","sentiment_score":-0.13823277056217192},{"text":"So it does mean that the sum insured is gonna keep increasing as well because we know the buying capacity is eaten away on a dollar, a $100 this year isn't worth a $100 next year.","start":485.805,"end":496.38498,"sentiment":"neutral","sentiment_score":-0.3079761593706078},{"text":"Insurance","start":496.60498,"end":497.10498,"sentiment":"neutral","sentiment_score":-0.10624989867210388}],"sentiment":"neutral","sentiment_score":-0.282965606876782,"channel":0,"num_words":42,"start":484.04,"end":497.10498},{"sentences":[{"text":"Yeah.","start":496.915,"end":497.415,"sentiment":"neutral","sentiment_score":-0.07537891715765}],"sentiment":"neutral","sentiment_score":-0.07537891715765,"channel":1,"num_words":1,"start":496.915,"end":497.415},{"sentences":[{"text":"policies are linked to CPI.","start":497.16498,"end":499.26498,"sentiment":"neutral","sentiment_score":-0.07747526615858077},{"text":"So as much as you're paying a little bit more for the policies, they do increase in value as well.","start":499.405,"end":504.21,"sentiment":"neutral","sentiment_score":0.0011886080261319884},{"text":"So if you","start":504.21,"end":505.16998,"sentiment":"neutral","sentiment_score":0.017693720137079556}],"sentiment":"neutral","sentiment_score":-0.011090107494965196,"channel":0,"num_words":28,"start":497.16498,"end":505.16998},{"sentences":[{"text":"Yes.","start":505.03,"end":505.34998,"sentiment":"neutral","sentiment_score":0.005562057718634605}],"sentiment":"neutral","sentiment_score":0.005562057718634605,"channel":1,"num_words":1,"start":505.03,"end":505.34998},{"sentences":[{"text":"were to","start":505.16998,"end":505.49,"sentiment":"neutral","sentiment_score":0.007771803066134453}],"sentiment":"neutral","sentiment_score":0.007771803066134453,"channel":0,"num_words":2,"start":505.16998,"end":505.49},{"sentences":[{"text":"Correct.","start":505.34998,"end":505.84998,"sentiment":"neutral","sentiment_score":-0.006021318957209587}],"sentiment":"neutral","sentiment_score":-0.006021318957209587,"channel":1,"num_words":1,"start":505.34998,"end":505.84998},{"sentences":[{"text":"claim on trauma, you can claim a 105,000 instead of the initial 100,000 that you did have there.","start":505.49,"end":510.93,"sentiment":"neutral","sentiment_score":-0.020335594813028973},{"text":"But, well, I'll review them with you.","start":510.93,"end":512.93,"sentiment":"neutral","sentiment_score":-0.008719590093408312},{"text":"If you start getting too expensive, we can look at the amounts, and part of your","start":513.25,"end":517.065,"sentiment":"neutral","sentiment_score":-0.12233266979455948}],"sentiment":"neutral","sentiment_score":-0.058156111073203204,"channel":0,"num_words":41,"start":505.49,"end":517.065},{"sentences":[{"text":"Yep.","start":516.925,"end":517.425,"sentiment":"neutral","sentiment_score":-0.01869954727590084}],"sentiment":"neutral","sentiment_score":-0.01869954727590084,"channel":1,"num_words":1,"start":516.925,"end":517.425},{"sentences":[{"text":"annual review will also reevaluate the levels of cover, and we can always adjust them to keep them cost effective and make sure it's working to you at the same time.","start":517.065,"end":525.245,"sentiment":"neutral","sentiment_score":0.08721837461475403},{"text":"Okay?","start":525.305,"end":525.805,"sentiment":"neutral","sentiment_score":0.07088024169206619}],"sentiment":"neutral","sentiment_score":0.08670780796092004,"channel":0,"num_words":32,"start":517.065,"end":525.805},{"sentences":[{"text":"Yeah.","start":525.96497,"end":526.20496,"sentiment":"neutral","sentiment_score":0.10291902720928192},{"text":"Righty o.","start":526.20496,"end":527.185,"sentiment":"neutral","sentiment_score":0.266376331448555}],"sentiment":"neutral","sentiment_score":0.2118905633687973,"channel":1,"num_words":3,"start":525.96497,"end":527.185},{"sentences":[{"text":"Perfect.","start":527.72003,"end":528.22003,"sentiment":"positive","sentiment_score":0.5536994934082031},{"text":"Now with regard to the recommendations here, and you'll be able to go through these in a a fair bit of detail.","start":528.76,"end":533.64,"sentiment":"neutral","sentiment_score":0.0962163165889003},{"text":"I've added lots of advantages, disadvantages, risks involved, and alternatives that I've considered for you.","start":533.64,"end":539.18,"sentiment":"neutral","sentiment_score":0.011028363462537527},{"text":"But","start":539.60504,"end":539.765,"sentiment":"neutral","sentiment_score":-0.03732140362262726}],"sentiment":"neutral","sentiment_score":0.07175801299178065,"channel":0,"num_words":39,"start":527.72003,"end":539.765},{"sentences":[{"text":"Yeah.","start":539.73,"end":540.23,"sentiment":"neutral","sentiment_score":-0.053926996886730194}],"sentiment":"neutral","sentiment_score":-0.053926996886730194,"channel":1,"num_words":1,"start":539.73,"end":540.23},{"sentences":[{"text":"with regard to the super and the recommendations, now Bannalong was the investment that was underperforming, so we have made a recommendation to remove that completely from your portfolio.","start":539.765,"end":548.505,"sentiment":"neutral","sentiment_score":-0.23862223686843081},{"text":"Because","start":549.205,"end":549.525,"sentiment":"neutral","sentiment_score":-0.03990867733955383}],"sentiment":"neutral","sentiment_score":-0.2319984515508016,"channel":0,"num_words":30,"start":539.765,"end":549.525},{"sentences":[{"text":"Yes.","start":549.485,"end":549.985,"sentiment":"neutral","sentiment_score":-0.05530283227562904}],"sentiment":"neutral","sentiment_score":-0.05530283227562904,"channel":1,"num_words":1,"start":549.485,"end":549.985},{"sentences":[{"text":"we are removing Bannalong, it isn't a down point, so we are cementing the loss there.","start":549.525,"end":553.41003,"sentiment":"negative","sentiment_score":-0.41450554970651865},{"text":"So I'm also recommending that we rebalance your portfolio as well just to make sure that, a, it's working properly, but then you're not overexposing yourself to risk.","start":553.41003,"end":562.13,"sentiment":"neutral","sentiment_score":0.004968726475323949},{"text":"So we're taking advantage of the fact that Bannalong is down.","start":562.13,"end":565.33,"sentiment":"neutral","sentiment_score":-0.09359290383078835},{"text":"We're seeing a loss by cementing it and removing it from your portfolio.","start":565.33,"end":568.605,"sentiment":"neutral","sentiment_score":-0.2581008111055081},{"text":"So we can offset any other capital gains that the other investments might have foreseen and try to","start":568.605,"end":573.84503,"sentiment":"neutral","sentiment_score":0.15609366156988674}],"sentiment":"neutral","sentiment_score":-0.09381524456101795,"channel":0,"num_words":86,"start":549.525,"end":573.84503},{"sentences":[{"text":"Yeah.","start":573.64,"end":573.975,"sentiment":"neutral","sentiment_score":0.1864684522151947}],"sentiment":"neutral","sentiment_score":0.1864684522151947,"channel":1,"num_words":1,"start":573.64,"end":573.975},{"sentences":[{"text":"rebalance at the same time, which is a benefit for you.","start":573.84503,"end":576.805,"sentiment":"positive","sentiment_score":0.4973228004845706},{"text":"Okay?","start":576.805,"end":577.305,"sentiment":"neutral","sentiment_score":0.18645671010017395}],"sentiment":"positive","sentiment_score":0.47141729295253754,"channel":0,"num_words":12,"start":573.84503,"end":577.305},{"sentences":[{"text":"Yeah.","start":577.57495,"end":578.07495,"sentiment":"neutral","sentiment_score":0.12791968882083893},{"text":"Okay.","start":578.21497,"end":578.71497,"sentiment":"neutral","sentiment_score":0.10785195231437684}],"sentiment":"neutral","sentiment_score":0.11788582056760788,"channel":1,"num_words":2,"start":577.57495,"end":578.71497},{"sentences":[{"text":"So what we're gonna be doing is we're rebalancing the cyber security and the India quality ETF.","start":579.045,"end":584.41,"sentiment":"neutral","sentiment_score":0.10483730146113564},{"text":"You'll have 7% in there.","start":584.41,"end":585.93,"sentiment":"neutral","sentiment_score":0.12916160821914674},{"text":"We're gonna sell about 393 of cyber security, a $118 of India quality ETF just to bring you back to the level you should be in a rebalance set.","start":585.93,"end":596.11,"sentiment":"neutral","sentiment_score":0.21807286888360977},{"text":"We'll be buying into a bit of the Global Healthcare, so rebalancing that one for you, buying a bit more of the S and P 500 to rebalance it, buying a bit more of the Raffi Aussie 200 to rebalance that one as well, and then selling","start":596.355,"end":609.315,"sentiment":"neutral","sentiment_score":0.1090716599149907}],"sentiment":"neutral","sentiment_score":0.141617585505758,"channel":0,"num_words":98,"start":579.045,"end":609.315},{"sentences":[{"text":"Yep.","start":609.205,"end":609.705,"sentiment":"neutral","sentiment_score":0.036819398403167725}],"sentiment":"neutral","sentiment_score":0.036819398403167725,"channel":1,"num_words":1,"start":609.205,"end":609.705},{"sentences":[{"text":"all of the Van Alung to get rid of that underperforming investment.","start":609.315,"end":611.975,"sentiment":"neutral","sentiment_score":-0.07573558033133547},{"text":"We are replacing Van Along with the BetaShares a 200, which you'll see in here.","start":613.13,"end":618.67004,"sentiment":"neutral","sentiment_score":0.008731619579096635},{"text":"Essentially, it is still giving you exposure to the top 200 companies in Australia.","start":619.45,"end":623.93005,"sentiment":"neutral","sentiment_score":0.0035127571650913785},{"text":"It's still giving you the Australian equity exposure.","start":623.93005,"end":627.51495,"sentiment":"neutral","sentiment_score":0.04083431791514158},{"text":"The main sort of difference is the a 200 is more of a passively managed fund, so it tracks the top 200 companies in Australia and the index with regard to that.","start":627.89496,"end":636.63495,"sentiment":"neutral","sentiment_score":0.010617696912959218}],"sentiment":"neutral","sentiment_score":-0.0007683114252156682,"channel":0,"num_words":81,"start":609.315,"end":636.63495},{"sentences":[{"text":"One of the benefits of having the a two hundred over Bennelong is Bennelong was meant to be more of an actively managed component, but they don't haven't really been very actively managing their portfolio.","start":636.69495,"end":645.87,"sentiment":"neutral","sentiment_score":-0.08692322384033885},{"text":"And as such,","start":646.09,"end":646.89,"sentiment":"neutral","sentiment_score":-0.14861144125461578}],"sentiment":"neutral","sentiment_score":-0.09179334626778175,"channel":0,"num_words":38,"start":636.69495,"end":646.89},{"sentences":[{"text":"Yeah.","start":646.8,"end":647.3,"sentiment":"neutral","sentiment_score":-0.2314068078994751}],"sentiment":"neutral","sentiment_score":-0.2314068078994751,"channel":1,"num_words":1,"start":646.8,"end":647.3},{"sentences":[{"text":"they've been underperforming with their investments not working within the fund there.","start":646.89,"end":650.99,"sentiment":"negative","sentiment_score":-0.4170048137505849},{"text":"The a two hundred isn't actively managed.","start":651.13,"end":653.29004,"sentiment":"neutral","sentiment_score":-0.31955124863556456},{"text":"It's just tracking an index, and as such, the management fees are actually cheaper.","start":653.29004,"end":657.495,"sentiment":"positive","sentiment_score":0.38242134345429285},{"text":"It tracks the top 200 companies on the Australian A XF, so it's actually giving you a little bit more Australian exposure.","start":657.71497,"end":664.055,"sentiment":"positive","sentiment_score":0.39437590539455414},{"text":"You've got more companies to diversify your portfolio with, and having cheaper management fees provides a benefit to you.","start":664.115,"end":670.85,"sentiment":"positive","sentiment_score":0.5666144929434124}],"sentiment":"neutral","sentiment_score":0.23722875118255615,"channel":0,"num_words":74,"start":646.89,"end":670.85},{"sentences":[{"text":"With the a 200, similar to the S and P 500, having exposure to these indexes is great because there's a certain criteria that the companies have to meet to be in these indexes, and the beta shares a 200 and the beta sorry.","start":670.99,"end":686.875,"sentiment":"neutral","sentiment_score":0.33037631992589345},{"text":"The s iShares S and P 500, they track those indices.","start":686.875,"end":691.535,"sentiment":"neutral","sentiment_score":0.12145867130973122},{"text":"So if companies within the indices don't meet a criteria to be in the top 200 on the a 200 or in the S and P 500, they're actually removed and replaced with other companies.","start":691.995,"end":702.31995,"sentiment":"neutral","sentiment_score":0.014242550092084067},{"text":"So you are always tracking the movement of the top 200 with the a 200 and the top 500 with the S and P 500 there.","start":702.62,"end":709.89996,"sentiment":"neutral","sentiment_score":0.15068663857304132},{"text":"So it provides","start":709.89996,"end":710.95496,"sentiment":"neutral","sentiment_score":0.26158860325813293}],"sentiment":"neutral","sentiment_score":0.17709000947094766,"channel":0,"num_words":119,"start":670.99,"end":710.95496},{"sentences":[{"text":"Yep.","start":710.84,"end":711.34,"sentiment":"positive","sentiment_score":0.3580816686153412}],"sentiment":"positive","sentiment_score":0.3580816686153412,"channel":1,"num_words":1,"start":710.84,"end":711.34},{"sentences":[{"text":"a benefit.","start":710.95496,"end":711.695,"sentiment":"positive","sentiment_score":0.4263369292020798},{"text":"You're not having to try and outperform the market.","start":712.15497,"end":714.315,"sentiment":"neutral","sentiment_score":0.2368638805217213},{"text":"You're tracking in indices, and the indices is always working, always tracking the top companies.","start":714.315,"end":719.195,"sentiment":"neutral","sentiment_score":0.23082005083560944},{"text":"So you're not, you know,","start":719.195,"end":720.495,"sentiment":"neutral","sentiment_score":0.000016830861568450928}],"sentiment":"neutral","sentiment_score":0.2079623774174721,"channel":0,"num_words":31,"start":710.95496,"end":720.495},{"sentences":[{"text":"Yeah.","start":720.00494,"end":720.50494,"sentiment":"neutral","sentiment_score":-0.03835006803274155}],"sentiment":"neutral","sentiment_score":-0.03835006803274155,"channel":1,"num_words":1,"start":720.00494,"end":720.50494},{"sentences":[{"text":"not following underperforming investments in those sorts of ways, if that makes","start":721.035,"end":724.635,"sentiment":"neutral","sentiment_score":-0.06612468898917238}],"sentiment":"neutral","sentiment_score":-0.06612468898917238,"channel":0,"num_words":12,"start":721.035,"end":724.635},{"sentences":[{"text":"Gotcha.","start":724.56494,"end":725.06494,"sentiment":"neutral","sentiment_score":-0.06311994045972824}],"sentiment":"neutral","sentiment_score":-0.06311994045972824,"channel":1,"num_words":1,"start":724.56494,"end":725.06494},{"sentences":[{"text":"sense.","start":724.635,"end":725.07,"sentiment":"neutral","sentiment_score":-0.01970260962843895},{"text":"Okay?","start":725.31,"end":725.71,"sentiment":"neutral","sentiment_score":0.009283741936087608}],"sentiment":"neutral","sentiment_score":-0.005209433846175671,"channel":0,"num_words":2,"start":724.635,"end":725.71},{"sentences":[{"text":"Yeah.","start":725.365,"end":725.865,"sentiment":"neutral","sentiment_score":0.0429159551858902}],"sentiment":"neutral","sentiment_score":0.0429159551858902,"channel":1,"num_words":1,"start":725.365,"end":725.865},{"sentences":[{"text":"Yeah.","start":725.71,"end":726.11,"sentiment":"neutral","sentiment_score":0.1506199687719345},{"text":"Perfect.","start":726.11,"end":726.61,"sentiment":"neutral","sentiment_score":0.3143848776817322},{"text":"So we'll have the a 200 in there instead of that along, which is great.","start":728.03,"end":731.23,"sentiment":"neutral","sentiment_score":0.20988774547974268},{"text":"We're still gonna hold the JPMorgan Global Research Enhanced Equity Fund.","start":731.23,"end":735.31,"sentiment":"neutral","sentiment_score":0.17109899087385697},{"text":"Again, it's just sort of giving you a bit of exposure to JPMorgan's great for a research house, and that investment is about 15% actively managed.","start":735.31,"end":743.595,"sentiment":"neutral","sentiment_score":0.2733657830036603}],"sentiment":"neutral","sentiment_score":0.23338741271032226,"channel":0,"num_words":54,"start":725.71,"end":743.595},{"sentences":[{"text":"It's about making sure they're sort of looking to track up and coming areas as well as growth and investments that have a great track record.","start":744.055,"end":751.96,"sentiment":"neutral","sentiment_score":0.24931004299567297},{"text":"So utilizing them is","start":751.96,"end":753.24,"sentiment":"neutral","sentiment_score":0.12097927927970886}],"sentiment":"neutral","sentiment_score":0.23219927450021108,"channel":0,"num_words":30,"start":744.055,"end":753.24},{"sentences":[{"text":"Yeah.","start":753.205,"end":753.705,"sentiment":"positive","sentiment_score":0.3358806073665619}],"sentiment":"positive","sentiment_score":0.3358806073665619,"channel":1,"num_words":1,"start":753.205,"end":753.705},{"sentences":[{"text":"great.","start":753.24,"end":753.72003,"sentiment":"positive","sentiment_score":0.5458304286003113},{"text":"There's only a small portion of your portfolio in there.","start":753.72003,"end":756.52,"sentiment":"neutral","sentiment_score":0.24984219372272493},{"text":"It's still a good investment, has performed really well in your portfolio, so we do wanna keep that in there and just rebalance that a little bit.","start":756.52,"end":763.335,"sentiment":"positive","sentiment_score":0.4550451818439696}],"sentiment":"positive","sentiment_score":0.40343348093722997,"channel":0,"num_words":38,"start":753.24,"end":763.335},{"sentences":[{"text":"Yep.","start":763.97,"end":764.47,"sentiment":"neutral","sentiment_score":0.03233693167567253}],"sentiment":"neutral","sentiment_score":0.03233693167567253,"channel":1,"num_words":1,"start":763.97,"end":764.47},{"sentences":[{"text":"Physical gold, we are buying a bit more physical gold.","start":763.97504,"end":766.935,"sentiment":"neutral","sentiment_score":0.05872202515602112},{"text":"You're a bit underweighted at the moment, and physical gold has been fantastic.","start":766.935,"end":770.315,"sentiment":"neutral","sentiment_score":0.21555512779965424},{"text":"So we'll buy a bit more of that and keep you waiting correct.","start":770.695,"end":773.67505,"sentiment":"positive","sentiment_score":0.34157768465005434},{"text":"We are also getting rid of the bank hybrids.","start":774.29504,"end":776.695,"sentiment":"neutral","sentiment_score":-0.0227036542362637},{"text":"Now as they kinda went through, the government is phasing those out in the future.","start":776.695,"end":780.52,"sentiment":"neutral","sentiment_score":-0.04761021559437116}],"sentiment":"neutral","sentiment_score":0.11519101152274137,"channel":0,"num_words":60,"start":763.97504,"end":780.52},{"sentences":[{"text":"So we're taking the advantage to remove those now whilst we are rebalancing and getting rid of Bennelong.","start":780.52,"end":785.9,"sentiment":"neutral","sentiment_score":0.02089286305838161},{"text":"The losses","start":786.44,"end":786.92004,"sentiment":"neutral","sentiment_score":-0.12144077569246292}],"sentiment":"neutral","sentiment_score":0.006659499183297157,"channel":0,"num_words":20,"start":780.52,"end":786.92004},{"sentences":[{"text":"Yeah.","start":786.66504,"end":787.16504,"sentiment":"neutral","sentiment_score":-0.02947128377854824}],"sentiment":"neutral","sentiment_score":-0.02947128377854824,"channel":1,"num_words":1,"start":786.66504,"end":787.16504},{"sentences":[{"text":"Bennelong has seen will help to offset some of the gains.","start":786.92004,"end":789.74005,"sentiment":"neutral","sentiment_score":-0.04323749155314131},{"text":"So removing the bank hybrids and then moving the money into the core composite bonds, doing it now as opposed to waiting to when we have to down the track.","start":789.88,"end":798.035,"sentiment":"neutral","sentiment_score":0.012080192565917969},{"text":"Because you're younger means that rebalancing obviously the portfolio now, we make those changes, and then you've got a really good time horizon to allow your portfolio to recover and to continue growing out from that, and we'll keep monitoring it for you.","start":798.095,"end":811.69,"sentiment":"neutral","sentiment_score":0.19977733163639558},{"text":"Does that make","start":811.69,"end":812.25,"sentiment":"neutral","sentiment_score":0.0677262544631958}],"sentiment":"neutral","sentiment_score":0.09977468268560438,"channel":0,"num_words":87,"start":786.92004,"end":812.25},{"sentences":[{"text":"Yeah.","start":812.205,"end":812.705,"sentiment":"neutral","sentiment_score":0.0653964951634407}],"sentiment":"neutral","sentiment_score":0.0653964951634407,"channel":1,"num_words":1,"start":812.205,"end":812.705},{"sentences":[{"text":"sense?","start":812.25,"end":812.75,"sentiment":"neutral","sentiment_score":0.06516361236572266}],"sentiment":"neutral","sentiment_score":0.06516361236572266,"channel":0,"num_words":1,"start":812.25,"end":812.75},{"sentences":[{"text":"Yep.","start":812.925,"end":813.245,"sentiment":"neutral","sentiment_score":0.10333392024040222},{"text":"It","start":813.245,"end":813.565,"sentiment":"neutral","sentiment_score":0.09723883867263794}],"sentiment":"neutral","sentiment_score":0.10028637945652008,"channel":1,"num_words":2,"start":812.925,"end":813.565},{"sentences":[{"text":"Yep.","start":813.37,"end":813.87,"sentiment":"neutral","sentiment_score":0.13894131779670715}],"sentiment":"neutral","sentiment_score":0.13894131779670715,"channel":0,"num_words":1,"start":813.37,"end":813.87},{"sentences":[{"text":"does.","start":813.565,"end":814.065,"sentiment":"neutral","sentiment_score":0.1575494110584259}],"sentiment":"neutral","sentiment_score":0.1575494110584259,"channel":1,"num_words":1,"start":813.565,"end":814.065},{"sentences":[{"text":"Perfect.","start":814.65,"end":815.15,"sentiment":"positive","sentiment_score":0.4954460561275482},{"text":"I do have the best interest duty in here for you that notes this recommendation is in your best interest.","start":815.61005,"end":820.41003,"sentiment":"neutral","sentiment_score":0.2997312620282173},{"text":"I did look at Hub twenty four as a fund.","start":820.41003,"end":822.57,"sentiment":"neutral","sentiment_score":0.15206229016184808},{"text":"I'm retaining that because Hub twenty four is still great.","start":822.57,"end":825.475,"sentiment":"neutral","sentiment_score":0.2588329389691353},{"text":"It actually works","start":825.615,"end":826.495,"sentiment":"neutral","sentiment_score":0.24216355880101523}],"sentiment":"neutral","sentiment_score":0.25739805146374484,"channel":0,"num_words":44,"start":814.65,"end":826.495},{"sentences":[{"text":"Mhmm.","start":826.26,"end":826.76,"sentiment":"neutral","sentiment_score":0.11995506286621094}],"sentiment":"neutral","sentiment_score":0.11995506286621094,"channel":1,"num_words":1,"start":826.26,"end":826.76},{"sentences":[{"text":"out less in best interest to move to another super fund when we're only altering some of the investments.","start":826.495,"end":832.275,"sentiment":"neutral","sentiment_score":-0.06676396950589199},{"text":"So we only realistically have to sell some of the investments and rebalance others.","start":832.415,"end":837.88,"sentiment":"neutral","sentiment_score":-0.08831958419510297},{"text":"Instead, if we moved you to another fund, we'd be fully selling everything down.","start":837.88,"end":841.32,"sentiment":"neutral","sentiment_score":-0.054767799696752},{"text":"The CDT effect would be greater.","start":841.32,"end":843.26,"sentiment":"neutral","sentiment_score":-0.03776078298687935},{"text":"As it is, when I looked at the research, the CDT effect on your super fund is actually zero.","start":844.68005,"end":850.27496,"sentiment":"neutral","sentiment_score":0.025457813159415598}],"sentiment":"neutral","sentiment_score":-0.041869514485976346,"channel":0,"num_words":72,"start":826.495,"end":850.27496},{"sentences":[{"text":"So because Van Along","start":850.27496,"end":851.475,"sentiment":"neutral","sentiment_score":0.01101241447031498}],"sentiment":"neutral","sentiment_score":0.01101241447031498,"channel":0,"num_words":4,"start":850.27496,"end":851.475},{"sentences":[{"text":"Yeah.","start":851.38,"end":851.88,"sentiment":"neutral","sentiment_score":0.01956184394657612}],"sentiment":"neutral","sentiment_score":0.01956184394657612,"channel":1,"num_words":1,"start":851.38,"end":851.88},{"sentences":[{"text":"is quite heavily down at the moment, by making all these changes to your portfolio, we're actually offsetting all of the capital gains.","start":851.475,"end":858.355,"sentiment":"neutral","sentiment_score":0.027059952849927155},{"text":"So your super fund will have no CGT effect, which is a benefit for you as well.","start":858.355,"end":862.755,"sentiment":"neutral","sentiment_score":0.27462775216383095},{"text":"Okay.","start":862.755,"end":863.255,"sentiment":"neutral","sentiment_score":0.13578300178050995}],"sentiment":"neutral","sentiment_score":0.13236179766131612,"channel":0,"num_words":41,"start":851.475,"end":863.255},{"sentences":[{"text":"Yeah.","start":863.175,"end":863.675,"sentiment":"neutral","sentiment_score":0.18554365634918213},{"text":"Sweet.","start":863.89496,"end":864.39496,"sentiment":"positive","sentiment_score":0.3549814820289612}],"sentiment":"neutral","sentiment_score":0.27026256918907166,"channel":1,"num_words":2,"start":863.175,"end":864.39496},{"sentences":[{"text":"Perfect.","start":864.58,"end":865.08,"sentiment":"positive","sentiment_score":0.4414983987808227},{"text":"Because we are remaining in hub twenty four, the administration fees do stay the same.","start":866.10004,"end":870.02,"sentiment":"neutral","sentiment_score":0.28274271786212923},{"text":"There's no change there, but the underlying investment fee actually reduces.","start":870.02,"end":873.72003,"sentiment":"neutral","sentiment_score":0.2850374254313382},{"text":"So for the first year after making these changes, the total investment fees drop.","start":873.86005,"end":878.84503,"sentiment":"neutral","sentiment_score":0.07606127325977598},{"text":"So we end up saving you about a $121 for the first year in investment fees.","start":878.84503,"end":883.325,"sentiment":"positive","sentiment_score":0.4645064137876034}],"sentiment":"neutral","sentiment_score":0.28622826829291226,"channel":0,"num_words":57,"start":864.58,"end":883.325},{"sentences":[{"text":"So, again, fees drop, changes to your portfolio.","start":883.325,"end":886.30505,"sentiment":"positive","sentiment_score":0.3491740580648184},{"text":"It has showed a better a better performance in the past as well.","start":886.525,"end":890.065,"sentiment":"positive","sentiment_score":0.613321813253256},{"text":"I do know projections are just projections, and they are you know, we're not expecting you to get this return on a regular basis.","start":890.61,"end":896.87,"sentiment":"neutral","sentiment_score":0.01577810892680039},{"text":"But by moving into the recommended portfolio, I have to use the three year rolling average because bank hybrids haven't been around for five years to give me a five year rolling average.","start":896.93,"end":906.36505,"sentiment":"neutral","sentiment_score":0.03800259005617012}],"sentiment":"neutral","sentiment_score":0.15896584772958589,"channel":0,"num_words":78,"start":883.325,"end":906.36505},{"sentences":[{"text":"Yeah.","start":907.10004,"end":907.60004,"sentiment":"neutral","sentiment_score":0.04315468668937683}],"sentiment":"neutral","sentiment_score":0.04315468668937683,"channel":1,"num_words":1,"start":907.10004,"end":907.60004},{"sentences":[{"text":"But the newer portfolio over the past three years has averaged about 16.83%.","start":907.145,"end":912.92505,"sentiment":"neutral","sentiment_score":0.03995343770545263},{"text":"I know with the volatility and the the changes in the market that we are seeing at the moment, I definitely don't expect you to get 16% from now over the next ten years.","start":913.065,"end":922.05,"sentiment":"neutral","sentiment_score":-0.1328679638750413},{"text":"But if the market performs really well and you can average that kind of return, which is greater than what your current portfolio average has been, we can see a greater future performance, and we can estimate you to be at about $35,000 better off over the next ten years, which would be great if we can do that for you.","start":922.19,"end":939.90497,"sentiment":"positive","sentiment_score":0.3835116172911691},{"text":"Okay?","start":939.90497,"end":940.40497,"sentiment":"neutral","sentiment_score":0.0653606727719307}],"sentiment":"neutral","sentiment_score":0.1785454426234195,"channel":0,"num_words":109,"start":907.145,"end":940.40497},{"sentences":[{"text":"Yeah.","start":940.04,"end":940.44,"sentiment":"neutral","sentiment_score":0.05361087620258331},{"text":"Of course.","start":940.44,"end":941.10004,"sentiment":"neutral","sentiment_score":0.06081228330731392}],"sentiment":"neutral","sentiment_score":0.05841181427240372,"channel":1,"num_words":3,"start":940.04,"end":941.10004},{"sentences":[{"text":"Yeah.","start":940.785,"end":941.285,"sentiment":"neutral","sentiment_score":0.13639429211616516},{"text":"Beautiful.","start":941.745,"end":942.245,"sentiment":"positive","sentiment_score":0.4104190468788147},{"text":"I'll let you run your eyes over that one.","start":942.945,"end":944.785,"sentiment":"neutral","sentiment_score":0.2035200728310479},{"text":"I don't wanna throw too many numbers at you and make it too confusing.","start":944.785,"end":948.12,"sentiment":"neutral","sentiment_score":-0.1264504465673651},{"text":"The thing I hate about not having you see the document is I don't wanna sort of talk at you at all.","start":948.33997,"end":952.98,"sentiment":"neutral","sentiment_score":-0.13877072659405795}],"sentiment":"neutral","sentiment_score":-0.05201634558591437,"channel":0,"num_words":47,"start":940.785,"end":952.98},{"sentences":[{"text":"I kinda wanna just make sure I'm giving you what you need, but not throwing too much confusing numbers and whatnot","start":952.98,"end":958.82,"sentiment":"neutral","sentiment_score":-0.05002324824177083}],"sentiment":"neutral","sentiment_score":-0.05002324824177083,"channel":0,"num_words":21,"start":952.98,"end":958.82},{"sentences":[{"text":"Yeah.","start":958.79004,"end":959.29004,"sentiment":"neutral","sentiment_score":0.005105946213006973}],"sentiment":"neutral","sentiment_score":0.005105946213006973,"channel":1,"num_words":1,"start":958.79004,"end":959.29004},{"sentences":[{"text":"at you.","start":958.82,"end":959.39996,"sentiment":"neutral","sentiment_score":0.004841336980462074}],"sentiment":"neutral","sentiment_score":0.004841336980462074,"channel":0,"num_words":2,"start":958.82,"end":959.39996},{"sentences":[{"text":"No.","start":959.59,"end":959.83,"sentiment":"neutral","sentiment_score":-0.027152324095368385},{"text":"I understand.","start":959.83,"end":960.49,"sentiment":"neutral","sentiment_score":-0.017377073876559734}],"sentiment":"neutral","sentiment_score":-0.020635490616162617,"channel":1,"num_words":3,"start":959.59,"end":960.49},{"sentences":[{"text":"So I'll let you read through that one, and you can let me know if you have any additional questions or concerns or anything in relation to it.","start":960.1,"end":968.085,"sentiment":"neutral","sentiment_score":0.07791869222585644},{"text":"Okay?","start":968.085,"end":968.585,"sentiment":"neutral","sentiment_score":0.09725673496723176},{"text":"Perfect.","start":970.325,"end":970.825,"sentiment":"positive","sentiment_score":0.3567282557487488},{"text":"Now with the we are retaining your life, your TPD, your income protection inside Super there at the moment.","start":972.325,"end":979.11,"sentiment":"neutral","sentiment_score":0.10415854501096826},{"text":"There's no major changes to that.","start":979.11,"end":980.94995,"sentiment":"neutral","sentiment_score":-0.02108250434199969}],"sentiment":"neutral","sentiment_score":0.08160410367629745,"channel":0,"num_words":55,"start":960.1,"end":980.94995},{"sentences":[{"text":"This, whilst we're not making any changes, has been scoped into a limited scope to the advice.","start":980.94995,"end":985.85,"sentiment":"neutral","sentiment_score":-0.10706165235708742},{"text":"A limited scope simply means that we know we're not making a recommendation on this product.","start":986.355,"end":991.575,"sentiment":"neutral","sentiment_score":-0.17040203046053648},{"text":"However, there is an effect on any other recommendations that we are making.","start":991.635,"end":995.715,"sentiment":"neutral","sentiment_score":-0.11491232021496846},{"text":"So because your life, TPD, and income protection are paid out of super, having it scoped into a limited extent just makes sure that you're aware you are paying for those premiums out of super, and so we have to account for that as part of the overall projection and looking at the fees and the effect on your super.","start":995.715,"end":1011.69,"sentiment":"neutral","sentiment_score":-0.09561584064116081},{"text":"So that's why it's limited scope in there, and I've got a little blurb that explains that to you as well.","start":1011.84503,"end":1016.645,"sentiment":"neutral","sentiment_score":-0.03373600645656032}],"sentiment":"neutral","sentiment_score":-0.09831297097866988,"channel":0,"num_words":127,"start":980.94995,"end":1016.645},{"sentences":[{"text":"Okay?","start":1016.645,"end":1017.145,"sentiment":"neutral","sentiment_score":0.05661514773964882}],"sentiment":"neutral","sentiment_score":0.05661514773964882,"channel":0,"num_words":1,"start":1016.645,"end":1017.145},{"sentences":[{"text":"Skype out loud.","start":1017.42004,"end":1018.88,"sentiment":"neutral","sentiment_score":0.1611786832412084}],"sentiment":"neutral","sentiment_score":0.1611786832412084,"channel":1,"num_words":3,"start":1017.42004,"end":1018.88},{"sentences":[{"text":"Perfect.","start":1018.645,"end":1019.145,"sentiment":"positive","sentiment_score":0.5411791205406189}],"sentiment":"positive","sentiment_score":0.5411791205406189,"channel":0,"num_words":1,"start":1018.645,"end":1019.145},{"sentences":[{"text":"Okay.","start":1019.5,"end":1020.0,"sentiment":"neutral","sentiment_score":0.23606768250465393}],"sentiment":"neutral","sentiment_score":0.23606768250465393,"channel":1,"num_words":1,"start":1019.5,"end":1020.0},{"sentences":[{"text":"I with regard to the the child trauma policy, now we are making a recommendation that you do apply for the child trauma policy, applying for a $100,000 of the child trauma with one path.","start":1020.885,"end":1033.35,"sentiment":"neutral","sentiment_score":0.12573101286377225},{"text":"So I had a really good look at all the options out there with regards to the child trauma policy.","start":1033.35,"end":1038.49,"sentiment":"neutral","sentiment_score":0.23584848642349243},{"text":"Most","start":1039.3551,"end":1039.675,"sentiment":"neutral","sentiment_score":0.12750545144081116}],"sentiment":"neutral","sentiment_score":0.16509036839540517,"channel":0,"num_words":56,"start":1020.885,"end":1039.675},{"sentences":[{"text":"Yep.","start":1039.42,"end":1039.92,"sentiment":"neutral","sentiment_score":0.1369847059249878}],"sentiment":"neutral","sentiment_score":0.1369847059249878,"channel":1,"num_words":1,"start":1039.42,"end":1039.92},{"sentences":[{"text":"of the insurers weren't willing to offer a stand alone policy, so we're applying for that with OnePath, and it will be linked to your current trauma and life policy, which is great.","start":1039.675,"end":1049.775,"sentiment":"neutral","sentiment_score":0.17881425233049827},{"text":"Your","start":1050.4751,"end":1050.7151,"sentiment":"neutral","sentiment_score":0.07996147871017456}],"sentiment":"neutral","sentiment_score":0.17590681781225345,"channel":0,"num_words":34,"start":1039.675,"end":1050.7151},{"sentences":[{"text":"Yeah.","start":1050.54,"end":1051.04,"sentiment":"neutral","sentiment_score":0.076713427901268}],"sentiment":"neutral","sentiment_score":0.076713427901268,"channel":1,"num_words":1,"start":1050.54,"end":1051.04},{"sentences":[{"text":"current premium on a monthly basis, this is with the increase as it's just gone through renewal, is $36.30 on a monthly basis.","start":1050.7151,"end":1058.6699,"sentiment":"neutral","sentiment_score":-0.008407666611120752},{"text":"By adding a child","start":1058.6699,"end":1059.71,"sentiment":"neutral","sentiment_score":0.0385582996532321}],"sentiment":"neutral","sentiment_score":-0.0014497456830684786,"channel":0,"num_words":27,"start":1050.7151,"end":1059.71},{"sentences":[{"text":"Yep.","start":1059.4451,"end":1059.9451,"sentiment":"neutral","sentiment_score":0.020418820902705193}],"sentiment":"neutral","sentiment_score":0.020418820902705193,"channel":1,"num_words":1,"start":1059.4451,"end":1059.9451},{"sentences":[{"text":"trauma policy in there for Oscar, it goes up by $12 on a monthly basis.","start":1059.71,"end":1064.35,"sentiment":"neutral","sentiment_score":0.04448539515336355},{"text":"So you end up paying about $48.67 per month for all three policies outside of pocket.","start":1064.35,"end":1070.965,"sentiment":"neutral","sentiment_score":0.025088989175856113},{"text":"Okay?","start":1071.025,"end":1071.525,"sentiment":"neutral","sentiment_score":0.020999984815716743}],"sentiment":"neutral","sentiment_score":0.03405327309155837,"channel":0,"num_words":32,"start":1059.71,"end":1071.525},{"sentences":[{"text":"Okay.","start":1071.7001,"end":1071.86,"sentiment":"neutral","sentiment_score":0.026791226118803024},{"text":"And that's indexed too.","start":1071.86,"end":1073.62,"sentiment":"neutral","sentiment_score":0.03583547752350569},{"text":"So as his","start":1073.62,"end":1074.5,"sentiment":"neutral","sentiment_score":0.025224850202600162}],"sentiment":"neutral","sentiment_score":0.030725960852578282,"channel":1,"num_words":8,"start":1071.7001,"end":1074.5},{"sentences":[{"text":"It","start":1074.385,"end":1074.625,"sentiment":"neutral","sentiment_score":0.00981270894408226}],"sentiment":"neutral","sentiment_score":0.00981270894408226,"channel":0,"num_words":1,"start":1074.385,"end":1074.625},{"sentences":[{"text":"life","start":1074.5,"end":1074.9,"sentiment":"neutral","sentiment_score":0.034463390707969666}],"sentiment":"neutral","sentiment_score":0.034463390707969666,"channel":1,"num_words":1,"start":1074.5,"end":1074.9},{"sentences":[{"text":"is.","start":1074.625,"end":1075.125,"sentiment":"neutral","sentiment_score":0.026031307876110077}],"sentiment":"neutral","sentiment_score":0.026031307876110077,"channel":0,"num_words":1,"start":1074.625,"end":1075.125},{"sentences":[{"text":"goes on and gets yeah.","start":1074.9,"end":1076.26,"sentiment":"neutral","sentiment_score":0.016158895567059517},{"text":"Okay.","start":1076.26,"end":1076.76,"sentiment":"neutral","sentiment_score":0.0627375915646553}],"sentiment":"neutral","sentiment_score":0.023922011566658814,"channel":1,"num_words":6,"start":1074.9,"end":1076.76},{"sentences":[{"text":"Yep.","start":1076.865,"end":1077.265,"sentiment":"neutral","sentiment_score":0.08153703063726425},{"text":"Yeah.","start":1077.265,"end":1077.745,"sentiment":"neutral","sentiment_score":0.14559805393218994},{"text":"Perfect.","start":1077.745,"end":1078.245,"sentiment":"neutral","sentiment_score":0.29771530628204346}],"sentiment":"neutral","sentiment_score":0.17495013028383255,"channel":0,"num_words":3,"start":1076.865,"end":1078.245},{"sentences":[{"text":"Yeah.","start":1077.9401,"end":1078.4401,"sentiment":"neutral","sentiment_score":0.11647913604974748}],"sentiment":"neutral","sentiment_score":0.11647913604974748,"channel":1,"num_words":1,"start":1077.9401,"end":1078.4401},{"sentences":[{"text":"It is a set policy, so it will continue to get more expensive, but we are able to link this to the other policies.","start":1079.105,"end":1084.42,"sentiment":"neutral","sentiment_score":0.07801626902073622},{"text":"So it does make it cheaper to link and add the policy in there for you.","start":1084.42,"end":1088.2,"sentiment":"neutral","sentiment_score":0.15898503083735704},{"text":"The","start":1088.5,"end":1088.74,"sentiment":"neutral","sentiment_score":-0.10881320387125017}],"sentiment":"neutral","sentiment_score":0.10505701819571053,"channel":0,"num_words":41,"start":1079.105,"end":1088.74},{"sentences":[{"text":"Yeah.","start":1088.635,"end":1089.135,"sentiment":"neutral","sentiment_score":-0.14170533418655396}],"sentiment":"neutral","sentiment_score":-0.14170533418655396,"channel":1,"num_words":1,"start":1088.635,"end":1089.135},{"sentences":[{"text":"only other provider as an alternative that was willing to offer a standard a stand alone trauma policy for children I was tau, but their policy came out a little bit more expensive.","start":1088.74,"end":1098.045,"sentiment":"neutral","sentiment_score":-0.22680001276912112},{"text":"It was a bit over $13 on a monthly basis.","start":1098.045,"end":1100.625,"sentiment":"neutral","sentiment_score":-0.33168217092752456},{"text":"So in the interest of making sure it's more cost effective, it went with a cheaper policy, which is one pass.","start":1100.685,"end":1106.2051,"sentiment":"neutral","sentiment_score":-0.1999154296659288},{"text":"Linking it to your current policies means that you keep everything together.","start":1106.2051,"end":1109.745,"sentiment":"positive","sentiment_score":0.409918375313282}],"sentiment":"neutral","sentiment_score":-0.13263717960370214,"channel":0,"num_words":76,"start":1088.74,"end":1109.745},{"sentences":[{"text":"Yep.","start":1110.5549,"end":1111.0549,"sentiment":"neutral","sentiment_score":0.22292613983154297}],"sentiment":"neutral","sentiment_score":0.22292613983154297,"channel":1,"num_words":1,"start":1110.5549,"end":1111.0549},{"sentences":[{"text":"And I've even got a copy of the I had a look at the application form.","start":1110.8099,"end":1114.97,"sentiment":"neutral","sentiment_score":0.23363348562270403},{"text":"There's only a couple of questions.","start":1114.97,"end":1116.4099,"sentiment":"neutral","sentiment_score":0.10885046298305194},{"text":"They do ask a few questions about family history, but they're mainly just asking to make sure that Oscar hasn't had any major traumatic diagnosis since he was","start":1116.4099,"end":1124.33,"sentiment":"neutral","sentiment_score":0.05069176273952637}],"sentiment":"neutral","sentiment_score":0.11621215809136629,"channel":0,"num_words":50,"start":1110.8099,"end":1124.33},{"sentences":[{"text":"Yeah.","start":1124.235,"end":1124.735,"sentiment":"neutral","sentiment_score":0.020276030525565147}],"sentiment":"neutral","sentiment_score":0.020276030525565147,"channel":1,"num_words":1,"start":1124.235,"end":1124.735},{"sentences":[{"text":"born.","start":1124.33,"end":1124.83,"sentiment":"neutral","sentiment_score":0.02892313152551651},{"text":"And there's no real major underwriting to it, which is really important.","start":1125.4349,"end":1129.135,"sentiment":"neutral","sentiment_score":0.01847705338150263}],"sentiment":"neutral","sentiment_score":0.01928059785411908,"channel":0,"num_words":13,"start":1124.33,"end":1129.135},{"sentences":[{"text":"Yeah.","start":1130.0599,"end":1130.5599,"sentiment":"neutral","sentiment_score":0.06650778651237488}],"sentiment":"neutral","sentiment_score":0.06650778651237488,"channel":1,"num_words":1,"start":1130.0599,"end":1130.5599},{"sentences":[{"text":"As an alternative, I did also go and have a look at structuring it, looking at life trauma and child trauma as a combined with other providers, but it honestly does work out cheaper to stay with OnePath.","start":1130.315,"end":1141.71,"sentiment":"neutral","sentiment_score":0.18278010385601143},{"text":"You've got the multi policy discount there.","start":1141.85,"end":1144.01,"sentiment":"positive","sentiment_score":0.40421423741749357},{"text":"OnePath is still the best provider, and linking it to your currently current policy made it more cost effective for you.","start":1144.01,"end":1150.25,"sentiment":"positive","sentiment_score":0.4345078695388067},{"text":"So that's the","start":1150.25,"end":1150.89,"sentiment":"neutral","sentiment_score":0.08442364384730656}],"sentiment":"neutral","sentiment_score":0.2775808666711268,"channel":0,"num_words":69,"start":1130.315,"end":1150.89},{"sentences":[{"text":"So","start":1150.78,"end":1151.02,"sentiment":"neutral","sentiment_score":0.06336626410484314}],"sentiment":"neutral","sentiment_score":0.06336626410484314,"channel":1,"num_words":1,"start":1150.78,"end":1151.02},{"sentences":[{"text":"recommendation","start":1150.89,"end":1151.39,"sentiment":"neutral","sentiment_score":0.0924886018037796}],"sentiment":"neutral","sentiment_score":0.0924886018037796,"channel":0,"num_words":1,"start":1150.89,"end":1151.39},{"sentences":[{"text":"it's better to","start":1151.02,"end":1151.7401,"sentiment":"neutral","sentiment_score":0.05310985197623571}],"sentiment":"neutral","sentiment_score":0.05310985197623571,"channel":1,"num_words":3,"start":1151.02,"end":1151.7401},{"sentences":[{"text":"for that","start":1151.6901,"end":1152.01,"sentiment":"neutral","sentiment_score":0.08963927999138832}],"sentiment":"neutral","sentiment_score":0.08963927999138832,"channel":0,"num_words":2,"start":1151.6901,"end":1152.01},{"sentences":[{"text":"it","start":1151.9,"end":1152.2201,"sentiment":"neutral","sentiment_score":0.10475347936153412}],"sentiment":"neutral","sentiment_score":0.10475347936153412,"channel":1,"num_words":1,"start":1151.9,"end":1152.2201},{"sentences":[{"text":"one.","start":1152.01,"end":1152.51,"sentiment":"neutral","sentiment_score":0.10433320701122284}],"sentiment":"neutral","sentiment_score":0.10433320701122284,"channel":0,"num_words":1,"start":1152.01,"end":1152.51},{"sentences":[{"text":"is","start":1152.2201,"end":1152.62,"sentiment":"neutral","sentiment_score":0.02439762093126774}],"sentiment":"neutral","sentiment_score":0.02439762093126774,"channel":1,"num_words":1,"start":1152.2201,"end":1152.62},{"sentences":[{"text":"Yeah.","start":1152.5701,"end":1153.0701,"sentiment":"neutral","sentiment_score":0.05393869429826737}],"sentiment":"neutral","sentiment_score":0.05393869429826737,"channel":0,"num_words":1,"start":1152.5701,"end":1153.0701},{"sentences":[{"text":"it is better to do it now because he has no underwriting.","start":1152.62,"end":1156.16,"sentiment":"neutral","sentiment_score":0.05291813091995815},{"text":"Right?","start":1156.4601,"end":1156.78,"sentiment":"neutral","sentiment_score":0.034626368433237076},{"text":"Because he's","start":1156.78,"end":1157.5801,"sentiment":"neutral","sentiment_score":0.02097136527299881}],"sentiment":"neutral","sentiment_score":0.04743911133458217,"channel":1,"num_words":15,"start":1152.62,"end":1157.5801},{"sentences":[{"text":"Yeah.","start":1157.505,"end":1158.005,"sentiment":"neutral","sentiment_score":0.015960898250341415}],"sentiment":"neutral","sentiment_score":0.015960898250341415,"channel":0,"num_words":1,"start":1157.505,"end":1158.005},{"sentences":[{"text":"well, he's","start":1157.66,"end":1158.38,"sentiment":"neutral","sentiment_score":0.028904909268021584}],"sentiment":"neutral","sentiment_score":0.028904909268021584,"channel":1,"num_words":2,"start":1157.66,"end":1158.38},{"sentences":[{"text":"Yep.","start":1158.145,"end":1158.645,"sentiment":"neutral","sentiment_score":0.02452903985977173}],"sentiment":"neutral","sentiment_score":0.02452903985977173,"channel":0,"num_words":1,"start":1158.145,"end":1158.645},{"sentences":[{"text":"he's too he's he hasn't been in had any conditions.","start":1158.38,"end":1163.775,"sentiment":"neutral","sentiment_score":-0.011988969519734383},{"text":"Let's put it that way.","start":1163.835,"end":1165.055,"sentiment":"neutral","sentiment_score":0.046529282629489896}],"sentiment":"neutral","sentiment_score":0.007517114530007044,"channel":1,"num_words":15,"start":1158.38,"end":1165.055},{"sentences":[{"text":"Yeah.","start":1165.185,"end":1165.59,"sentiment":"neutral","sentiment_score":0.09431548416614532},{"text":"Absolutely.","start":1165.75,"end":1166.15,"sentiment":"neutral","sentiment_score":0.16974535584449768}],"sentiment":"neutral","sentiment_score":0.1320304200053215,"channel":0,"num_words":2,"start":1165.185,"end":1166.15},{"sentences":[{"text":"Yeah.","start":1166.0751,"end":1166.5751,"sentiment":"neutral","sentiment_score":0.10437458753585815}],"sentiment":"neutral","sentiment_score":0.10437458753585815,"channel":1,"num_words":1,"start":1166.0751,"end":1166.5751},{"sentences":[{"text":"It is always better","start":1166.15,"end":1167.11,"sentiment":"neutral","sentiment_score":0.10811899788677692}],"sentiment":"neutral","sentiment_score":0.10811899788677692,"channel":0,"num_words":4,"start":1166.15,"end":1167.11},{"sentences":[{"text":"Yeah.","start":1166.795,"end":1167.295,"sentiment":"neutral","sentiment_score":0.07946419715881348}],"sentiment":"neutral","sentiment_score":0.07946419715881348,"channel":1,"num_words":1,"start":1166.795,"end":1167.295},{"sentences":[{"text":"to get the policies earlier than it is later.","start":1167.11,"end":1169.85,"sentiment":"neutral","sentiment_score":0.05626874044537544}],"sentiment":"neutral","sentiment_score":0.05626874044537544,"channel":0,"num_words":9,"start":1167.11,"end":1169.85},{"sentences":[{"text":"Yeah.","start":1170.3151,"end":1170.8151,"sentiment":"neutral","sentiment_score":0.06659109145402908}],"sentiment":"neutral","sentiment_score":0.06659109145402908,"channel":1,"num_words":1,"start":1170.3151,"end":1170.8151},{"sentences":[{"text":"I mean, he's he's nice and healthy, and you look great, and he should not have anything over the next couple of years.","start":1170.39,"end":1175.99,"sentiment":"neutral","sentiment_score":0.24400305877561154},{"text":"However, if anything did arise making, you know even on child policy, if something did arise down the track, it can make the policies more expensive.","start":1175.99,"end":1184.2849,"sentiment":"neutral","sentiment_score":-0.29633442856944525},{"text":"You can have exclusions like what you've got at the moment.","start":1184.2849,"end":1187.085,"sentiment":"neutral","sentiment_score":-0.3022463633255525},{"text":"So","start":1187.085,"end":1187.585,"sentiment":"neutral","sentiment_score":-0.10016657412052156}],"sentiment":"neutral","sentiment_score":-0.09045084199455918,"channel":0,"num_words":61,"start":1170.39,"end":1187.585},{"sentences":[{"text":"No.","start":1187.53,"end":1187.61,"sentiment":"neutral","sentiment_score":-0.1898815929889679},{"text":"Sure.","start":1187.61,"end":1188.11,"sentiment":"neutral","sentiment_score":-0.12934792041778564}],"sentiment":"neutral","sentiment_score":-0.15961475670337677,"channel":1,"num_words":2,"start":1187.53,"end":1188.11},{"sentences":[{"text":"doing that now","start":1187.6449,"end":1188.365,"sentiment":"neutral","sentiment_score":-0.14421396454175314}],"sentiment":"neutral","sentiment_score":-0.14421396454175314,"channel":0,"num_words":3,"start":1187.6449,"end":1188.365},{"sentences":[{"text":"Yep.","start":1188.17,"end":1188.585,"sentiment":"neutral","sentiment_score":0.04974205791950226}],"sentiment":"neutral","sentiment_score":0.04974205791950226,"channel":1,"num_words":1,"start":1188.17,"end":1188.585},{"sentences":[{"text":"is much better for him.","start":1188.365,"end":1189.9049,"sentiment":"neutral","sentiment_score":0.01835262104868889}],"sentiment":"neutral","sentiment_score":0.01835262104868889,"channel":0,"num_words":5,"start":1188.365,"end":1189.9049},{"sentences":[{"text":"Yeah.","start":1190.265,"end":1190.765,"sentiment":"neutral","sentiment_score":0.13697665929794312}],"sentiment":"neutral","sentiment_score":0.13697665929794312,"channel":1,"num_words":1,"start":1190.265,"end":1190.765},{"sentences":[{"text":"The benefits of having a policy is we can link it to your one pass.","start":1190.2849,"end":1193.97,"sentiment":"neutral","sentiment_score":0.32714274724324544},{"text":"It is more cost effective for you.","start":1193.97,"end":1195.99,"sentiment":"neutral","sentiment_score":0.3061027356556484},{"text":"But","start":1196.37,"end":1196.53,"sentiment":"neutral","sentiment_score":0.2754165232181549}],"sentiment":"neutral","sentiment_score":0.31849029919375543,"channel":0,"num_words":23,"start":1190.2849,"end":1196.53},{"sentences":[{"text":"Yeah.","start":1196.4249,"end":1196.9249,"sentiment":"positive","sentiment_score":0.38799911737442017}],"sentiment":"positive","sentiment_score":0.38799911737442017,"channel":1,"num_words":1,"start":1196.4249,"end":1196.9249},{"sentences":[{"text":"I had a really good look at what one pass offer, and it's actually really cool.","start":1196.53,"end":1199.89,"sentiment":"positive","sentiment_score":0.6379741653800011},{"text":"So I've got all of that noted here for you, and I've also got the PDF attached in case you like enjoying reading through those.","start":1199.89,"end":1206.15,"sentiment":"neutral","sentiment_score":0.26664932936429975},{"text":"But when it comes to the policy, so one path cover up to 51 different traumatic conditions for child trauma.","start":1206.595,"end":1214.215,"sentiment":"neutral","sentiment_score":-0.03020291244611144},{"text":"It accounts for blindness.","start":1214.6749,"end":1216.375,"sentiment":"neutral","sentiment_score":-0.06268887035548687},{"text":"Some of them are benign brain tumors, blindness, plastic anemia, benign spinal tumors.","start":1217.5549,"end":1223.32,"sentiment":"neutral","sentiment_score":-0.0784622746018263}],"sentiment":"neutral","sentiment_score":0.19229482794896915,"channel":0,"num_words":78,"start":1196.53,"end":1223.32},{"sentences":[{"text":"We've got brain damage, burns, severe cancer, cardiomyopathy, deafness.","start":1223.46,"end":1229.08,"sentiment":"neutral","sentiment_score":-0.11657301253742641},{"text":"There's a couple I can't pronounce there, and certain head traumas as well that are permanent and irreversible.","start":1229.46,"end":1234.28,"sentiment":"neutral","sentiment_score":-0.12667163378662533},{"text":"Kidney","start":1235.155,"end":1235.395,"sentiment":"neutral","sentiment_score":-0.05526719242334366}],"sentiment":"neutral","sentiment_score":-0.1208754897649799,"channel":0,"num_words":28,"start":1223.46,"end":1235.395},{"sentences":[{"text":"Yep.","start":1235.2401,"end":1235.7401,"sentiment":"neutral","sentiment_score":-0.04091161489486694}],"sentiment":"neutral","sentiment_score":-0.04091161489486694,"channel":1,"num_words":1,"start":1235.2401,"end":1235.7401},{"sentences":[{"text":"failure, loss of speech, permanent paralysis, and loss of a limb, mening meningococcal, meningitis meningitis I'm sorry.","start":1235.395,"end":1244.515,"sentiment":"neutral","sentiment_score":-0.12544104237766826},{"text":"I'm not a doctor.","start":1244.515,"end":1245.3151,"sentiment":"neutral","sentiment_score":-0.17164631560444832},{"text":"I don't do","start":1245.3151,"end":1245.875,"sentiment":"neutral","sentiment_score":-0.1542458807428678}],"sentiment":"neutral","sentiment_score":-0.13674252604444823,"channel":0,"num_words":24,"start":1235.395,"end":1245.875},{"sentences":[{"text":"No.","start":1245.715,"end":1245.875,"sentiment":"neutral","sentiment_score":-0.14575451612472534},{"text":"That's","start":1245.875,"end":1246.2749,"sentiment":"neutral","sentiment_score":-0.11492034792900084}],"sentiment":"neutral","sentiment_score":-0.1303374320268631,"channel":1,"num_words":2,"start":1245.715,"end":1246.2749},{"sentences":[{"text":"well with","start":1245.875,"end":1246.275,"sentiment":"neutral","sentiment_score":-0.10769803076982498}],"sentiment":"neutral","sentiment_score":-0.10769803076982498,"channel":0,"num_words":2,"start":1245.875,"end":1246.275},{"sentences":[{"text":"alright.","start":1246.2749,"end":1246.6749,"sentiment":"neutral","sentiment_score":-0.07556284964084625}],"sentiment":"neutral","sentiment_score":-0.07556284964084625,"channel":1,"num_words":1,"start":1246.2749,"end":1246.6749},{"sentences":[{"text":"these big","start":1246.275,"end":1246.675,"sentiment":"neutral","sentiment_score":-0.13729853183031082}],"sentiment":"neutral","sentiment_score":-0.13729853183031082,"channel":0,"num_words":2,"start":1246.275,"end":1246.675},{"sentences":[{"text":"Neither","start":1246.6749,"end":1246.995,"sentiment":"neutral","sentiment_score":-0.17455512285232544}],"sentiment":"neutral","sentiment_score":-0.17455512285232544,"channel":1,"num_words":1,"start":1246.6749,"end":1246.995},{"sentences":[{"text":"words.","start":1246.675,"end":1247.175,"sentiment":"neutral","sentiment_score":-0.14792217314243317}],"sentiment":"neutral","sentiment_score":-0.14792217314243317,"channel":0,"num_words":1,"start":1246.675,"end":1247.175},{"sentences":[{"text":"am I.","start":1246.995,"end":1247.475,"sentiment":"neutral","sentiment_score":-0.09653086587786674},{"text":"It makes sense anyway.","start":1247.475,"end":1248.695,"sentiment":"neutral","sentiment_score":-0.06796108558773994}],"sentiment":"neutral","sentiment_score":-0.07748434568444888,"channel":1,"num_words":6,"start":1246.995,"end":1248.695},{"sentences":[{"text":"Terminal illnesses, stroke, and organ transplant.","start":1249.2,"end":1251.86,"sentiment":"neutral","sentiment_score":-0.08047135795156161},{"text":"The policy will have a ninety day qualifying period on it.","start":1253.04,"end":1256.16,"sentiment":"neutral","sentiment_score":0.019842938604679974},{"text":"So, essentially, it just means that for the first ninety days, there are limitations on what can be claimed, but after the first ninety days, everything is fine.","start":1256.16,"end":1264.5549,"sentiment":"neutral","sentiment_score":-0.020666559409749295},{"text":"It's just sort","start":1264.615,"end":1265.335,"sentiment":"neutral","sentiment_score":0.030304934829473495}],"sentiment":"neutral","sentiment_score":-0.0156730142092177,"channel":0,"num_words":48,"start":1249.2,"end":1265.335},{"sentences":[{"text":"Yeah.","start":1265.18,"end":1265.68,"sentiment":"neutral","sentiment_score":0.022275026887655255}],"sentiment":"neutral","sentiment_score":0.022275026887655255,"channel":1,"num_words":1,"start":1265.18,"end":1265.68},{"sentences":[{"text":"of making sure that you're not not trying to claim on anything that you maybe think you might have within the first ninety days.","start":1265.335,"end":1272.615,"sentiment":"neutral","sentiment_score":-0.07571668007100622},{"text":"Sort of the same with life insurance.","start":1272.615,"end":1274.215,"sentiment":"neutral","sentiment_score":-0.06407151584114347},{"text":"They normally don't cover they normally, for the thirteen first thirteen months, don't cover suicide on life cover.","start":1274.215,"end":1280.98,"sentiment":"neutral","sentiment_score":-0.1616687004764875},{"text":"You've gotta kinda have the policy","start":1280.98,"end":1282.5,"sentiment":"neutral","sentiment_score":-0.03275130813320478}],"sentiment":"neutral","sentiment_score":-0.09767718890851194,"channel":0,"num_words":55,"start":1265.335,"end":1282.5},{"sentences":[{"text":"Yeah.","start":1282.265,"end":1282.765,"sentiment":"neutral","sentiment_score":-0.007172867655754089}],"sentiment":"neutral","sentiment_score":-0.007172867655754089,"channel":1,"num_words":1,"start":1282.265,"end":1282.765},{"sentences":[{"text":"for the first year before they'll cover that.","start":1282.5,"end":1284.5,"sentiment":"neutral","sentiment_score":-0.025865881703794003},{"text":"So it","start":1284.5,"end":1284.82,"sentiment":"neutral","sentiment_score":0.08862598240375519}],"sentiment":"neutral","sentiment_score":-0.0029675088822841643,"channel":0,"num_words":10,"start":1282.5,"end":1284.82},{"sentences":[{"text":"Yeah.","start":1284.79,"end":1285.29,"sentiment":"neutral","sentiment_score":0.19021959602832791}],"sentiment":"neutral","sentiment_score":0.19021959602832791,"channel":1,"num_words":1,"start":1284.79,"end":1285.29},{"sentences":[{"text":"does work out the same with the child trauma policy there for you.","start":1284.82,"end":1287.94,"sentiment":"neutral","sentiment_score":0.24118093573130095},{"text":"But after the first ninety days, you are fully covered for everything.","start":1287.94,"end":1291.32,"sentiment":"neutral","sentiment_score":0.2046729438006878}],"sentiment":"neutral","sentiment_score":0.22365709960460664,"channel":0,"num_words":25,"start":1284.82,"end":1291.32},{"sentences":[{"text":"Yeah.","start":1292.07,"end":1292.57,"sentiment":"neutral","sentiment_score":0.2239757776260376}],"sentiment":"neutral","sentiment_score":0.2239757776260376,"channel":1,"num_words":1,"start":1292.07,"end":1292.57},{"sentences":[{"text":"Some other really good advantages of the policy are that it has the accommodation benefit there as well.","start":1292.1749,"end":1297.215,"sentiment":"positive","sentiment_score":0.4555309580432044},{"text":"So, essentially, if something was to happen to Tyler sorry.","start":1297.215,"end":1300.4149,"sentiment":"neutral","sentiment_score":0.06817725002765655},{"text":"If something was to happen to Oscar, I do apologize.","start":1300.4149,"end":1302.6749,"sentiment":"neutral","sentiment_score":-0.0625853717327118}],"sentiment":"neutral","sentiment_score":0.21724936915071388,"channel":0,"num_words":38,"start":1292.1749,"end":1302.6749},{"sentences":[{"text":"That's okay.","start":1303.0851,"end":1303.8251,"sentiment":"neutral","sentiment_score":0.08537298627197742}],"sentiment":"neutral","sentiment_score":0.08537298627197742,"channel":1,"num_words":2,"start":1303.0851,"end":1303.8251},{"sentences":[{"text":"And he was bedridden, and, you know, if family members you guys had to travel or be somewhere, they do pay out the accommodation benefit, which is a certain amount that helps to cover and cover the cost of accommodation for a certain period of time.","start":1303.695,"end":1317.315,"sentiment":"neutral","sentiment_score":0.14867852452848834},{"text":"They cover if you have to travel for more than a 100 kilometers, so sometimes we might need to travel, you know, out out of state or","start":1317.7949,"end":1324.195,"sentiment":"neutral","sentiment_score":0.04613889684831655}],"sentiment":"neutral","sentiment_score":0.11075290881116454,"channel":0,"num_words":73,"start":1303.695,"end":1324.195},{"sentences":[{"text":"Yes.","start":1324.13,"end":1324.63,"sentiment":"neutral","sentiment_score":0.04080714285373688}],"sentiment":"neutral","sentiment_score":0.04080714285373688,"channel":1,"num_words":1,"start":1324.13,"end":1324.63},{"sentences":[{"text":"into other areas to see certain specialists depending on what the","start":1324.195,"end":1327.475,"sentiment":"neutral","sentiment_score":0.05600747669284994}],"sentiment":"neutral","sentiment_score":0.05600747669284994,"channel":0,"num_words":11,"start":1324.195,"end":1327.475},{"sentences":[{"text":"Yeah.","start":1327.435,"end":1327.935,"sentiment":"neutral","sentiment_score":0.053820546716451645}],"sentiment":"neutral","sentiment_score":0.053820546716451645,"channel":1,"num_words":1,"start":1327.435,"end":1327.935},{"sentences":[{"text":"diagnosis is.","start":1327.475,"end":1328.895,"sentiment":"neutral","sentiment_score":0.04395529069006443},{"text":"After this after he turns age 21, the policy can be converted to a life with attached trauma policy.","start":1329.315,"end":1336.43,"sentiment":"neutral","sentiment_score":0.14961386119064532},{"text":"There's no additional underwriting for that.","start":1336.43,"end":1338.77,"sentiment":"neutral","sentiment_score":0.15352022647857666},{"text":"And, essentially, Oscar then becomes the policy holder of that policy.","start":1338.8301,"end":1343.0701,"sentiment":"neutral","sentiment_score":0.25432081385092303},{"text":"And because he's held at the time, it automatically transfers, and he just keeps paying the premium for it, which is kinda","start":1343.0701,"end":1348.605,"sentiment":"positive","sentiment_score":0.36787926676598465}],"sentiment":"neutral","sentiment_score":0.24570946873476107,"channel":0,"num_words":60,"start":1327.475,"end":1348.605},{"sentences":[{"text":"Yep.","start":1348.3899,"end":1348.8899,"sentiment":"positive","sentiment_score":0.4319244623184204}],"sentiment":"positive","sentiment_score":0.4319244623184204,"channel":1,"num_words":1,"start":1348.3899,"end":1348.8899},{"sentences":[{"text":"cool.","start":1348.605,"end":1349.105,"sentiment":"positive","sentiment_score":0.5053619146347046}],"sentiment":"positive","sentiment_score":0.5053619146347046,"channel":0,"num_words":1,"start":1348.605,"end":1349.105},{"sentences":[{"text":"Yep.","start":1349.83,"end":1350.255,"sentiment":"neutral","sentiment_score":0.2751315236091614}],"sentiment":"neutral","sentiment_score":0.2751315236091614,"channel":1,"num_words":1,"start":1349.83,"end":1350.255},{"sentences":[{"text":"The other side of the policy, which I think is really awesome, is that if anything was to happen to you, we hope nothing ever does.","start":1350.4451,"end":1358.605,"sentiment":"positive","sentiment_score":0.35790593979450375},{"text":"But because you are","start":1358.605,"end":1359.805,"sentiment":"positive","sentiment_score":0.3738128989934921}],"sentiment":"positive","sentiment_score":0.3600268676877022,"channel":0,"num_words":30,"start":1350.4451,"end":1359.805},{"sentences":[{"text":"Cool.","start":1359.615,"end":1360.115,"sentiment":"positive","sentiment_score":0.3527128994464874}],"sentiment":"positive","sentiment_score":0.3527128994464874,"channel":1,"num_words":1,"start":1359.615,"end":1360.115},{"sentences":[{"text":"the policy owner of these policies, if something happened to you, if you were to pass away, your life cover was fully paid out, the policy then becomes a standalone child trauma policy.","start":1359.805,"end":1370.9601,"sentiment":"neutral","sentiment_score":0.16282091876774124},{"text":"So long","start":1371.5801,"end":1371.9801,"sentiment":"neutral","sentiment_score":0.11520484462380409}],"sentiment":"neutral","sentiment_score":0.16010000024523055,"channel":0,"num_words":35,"start":1359.805,"end":1371.9801},{"sentences":[{"text":"Yeah.","start":1371.8,"end":1372.3,"sentiment":"neutral","sentiment_score":0.1582549661397934}],"sentiment":"neutral","sentiment_score":0.1582549661397934,"channel":1,"num_words":1,"start":1371.8,"end":1372.3},{"sentences":[{"text":"as he is over 10 years of age and your wife provides consent, he can then continue to hold the policy.","start":1371.9801,"end":1379.5851,"sentiment":"neutral","sentiment_score":0.1349459325983411},{"text":"If he's","start":1380.045,"end":1380.4451,"sentiment":"neutral","sentiment_score":0.12065749615430832}],"sentiment":"neutral","sentiment_score":0.13370345986407736,"channel":0,"num_words":23,"start":1371.9801,"end":1380.4451},{"sentences":[{"text":"Yeah.","start":1380.4149,"end":1380.9149,"sentiment":"neutral","sentiment_score":0.11044758558273315}],"sentiment":"neutral","sentiment_score":0.11044758558273315,"channel":1,"num_words":1,"start":1380.4149,"end":1380.9149},{"sentences":[{"text":"10, it still stays as a a stand alone policy, but it just means that your wife looks after it for him.","start":1380.4451,"end":1386.365,"sentiment":"neutral","sentiment_score":0.14669742367484354},{"text":"But it means","start":1386.365,"end":1387.005,"sentiment":"neutral","sentiment_score":0.1759940137465795}],"sentiment":"neutral","sentiment_score":0.15021301448345184,"channel":0,"num_words":25,"start":1380.4451,"end":1387.005},{"sentences":[{"text":"Yeah.","start":1386.815,"end":1387.315,"sentiment":"neutral","sentiment_score":0.20422136783599856}],"sentiment":"neutral","sentiment_score":0.20422136783599856,"channel":1,"num_words":1,"start":1386.815,"end":1387.315},{"sentences":[{"text":"that if you pass away, if something happens to yourself and the life cover paid out, the policy can remain for him so he does get that benefit long term.","start":1387.005,"end":1395.37,"sentiment":"neutral","sentiment_score":0.18772700677315393},{"text":"Okay?","start":1395.59,"end":1396.09,"sentiment":"neutral","sentiment_score":0.10498315095901488}],"sentiment":"neutral","sentiment_score":0.18505785013398818,"channel":0,"num_words":31,"start":1387.005,"end":1396.09},{"sentences":[{"text":"Yeah.","start":1395.8999,"end":1396.2999,"sentiment":"neutral","sentiment_score":0.02573936991393566},{"text":"Gotcha.","start":1396.2999,"end":1396.7999,"sentiment":"neutral","sentiment_score":-0.004581806715577841},{"text":"Yep.","start":1396.94,"end":1397.44,"sentiment":"neutral","sentiment_score":-0.01774808019399643}],"sentiment":"neutral","sentiment_score":0.0011364943347871304,"channel":1,"num_words":3,"start":1395.8999,"end":1397.44},{"sentences":[{"text":"Yeah.","start":1397.4299,"end":1397.9299,"sentiment":"neutral","sentiment_score":-0.0965813845396042},{"text":"The risks involved with having, obviously, with all insurances, there is the bigger risk that if you have these policies and that you never actually claim on them and we get rid of them at some point or they just get to expiry age, the biggest risk is you could have them never have to claim.","start":1398.95,"end":1414.5549,"sentiment":"neutral","sentiment_score":-0.3051034611250673},{"text":"That's also the biggest benefit of the policies because as much as having the policies and having the money paid at is a good thing in the event of a claim, it also means that we've lost something.","start":1414.5549,"end":1425.38,"sentiment":"neutral","sentiment_score":0.17749837609498123},{"text":"There's some sort of negative, experience.","start":1425.38,"end":1428.04,"sentiment":"negative","sentiment_score":-0.38541605571905774},{"text":"We've had some sort of a loss to be able","start":1428.18,"end":1430.34,"sentiment":"neutral","sentiment_score":-0.2677790895104408}],"sentiment":"neutral","sentiment_score":-0.13898850581398955,"channel":0,"num_words":111,"start":1397.4299,"end":1430.34},{"sentences":[{"text":"Yep.","start":1430.31,"end":1430.81,"sentiment":"neutral","sentiment_score":-0.17089083790779114}],"sentiment":"neutral","sentiment_score":-0.17089083790779114,"channel":1,"num_words":1,"start":1430.31,"end":1430.81},{"sentences":[{"text":"to make that claim.","start":1430.34,"end":1431.3,"sentiment":"neutral","sentiment_score":-0.16280479729175568},{"text":"So it","start":1431.3,"end":1432.065,"sentiment":"neutral","sentiment_score":-0.019970431923866272}],"sentiment":"neutral","sentiment_score":-0.11519334216912587,"channel":0,"num_words":6,"start":1430.34,"end":1432.065},{"sentences":[{"text":"Yeah.","start":1431.91,"end":1432.41,"sentiment":"neutral","sentiment_score":-0.02740640938282013}],"sentiment":"neutral","sentiment_score":-0.02740640938282013,"channel":1,"num_words":1,"start":1431.91,"end":1432.41},{"sentences":[{"text":"is a benefit","start":1432.065,"end":1432.965,"sentiment":"neutral","sentiment_score":-0.0211113803088665}],"sentiment":"neutral","sentiment_score":-0.0211113803088665,"channel":0,"num_words":3,"start":1432.065,"end":1432.965},{"sentences":[{"text":"Yeah.","start":1432.47,"end":1432.97,"sentiment":"neutral","sentiment_score":-0.034178029745817184}],"sentiment":"neutral","sentiment_score":-0.034178029745817184,"channel":1,"num_words":1,"start":1432.47,"end":1432.97},{"sentences":[{"text":"and a risk of having these sorts of policies.","start":1433.0249,"end":1435.2849,"sentiment":"neutral","sentiment_score":-0.27137378686004215},{"text":"Okay?","start":1435.6649,"end":1436.1649,"sentiment":"neutral","sentiment_score":0.067710280418396}],"sentiment":"neutral","sentiment_score":-0.23746538013219834,"channel":0,"num_words":10,"start":1433.0249,"end":1436.1649},{"sentences":[{"text":"Yeah.","start":1436.045,"end":1436.545,"sentiment":"positive","sentiment_score":0.3916386365890503}],"sentiment":"positive","sentiment_score":0.3916386365890503,"channel":1,"num_words":1,"start":1436.045,"end":1436.545},{"sentences":[{"text":"Beautiful.","start":1437.105,"end":1437.605,"sentiment":"positive","sentiment_score":0.6848888397216797},{"text":"As I mentioned, I did look at alternative options.","start":1438.465,"end":1440.705,"sentiment":"neutral","sentiment_score":0.132406079934703},{"text":"That, I looked at standalone policies.","start":1440.705,"end":1442.465,"sentiment":"neutral","sentiment_score":0.10129092261195183},{"text":"I also looked at the life trauma and linking child trauma with other options.","start":1442.465,"end":1446.385,"sentiment":"neutral","sentiment_score":0.07821021814431463},{"text":"However, this was the best way to go.","start":1446.385,"end":1448.86,"sentiment":"neutral","sentiment_score":0.2566349282860756}],"sentiment":"neutral","sentiment_score":0.14821872566091387,"channel":0,"num_words":38,"start":1437.105,"end":1448.86},{"sentences":[{"text":"It's much easier for yourself and if your policy is already enforced, you don't wanna have","start":1448.86,"end":1452.86,"sentiment":"positive","sentiment_score":0.3786815404891968}],"sentiment":"positive","sentiment_score":0.3786815404891968,"channel":0,"num_words":16,"start":1448.86,"end":1452.86},{"sentences":[{"text":"Yeah.","start":1452.86,"end":1453.36,"sentiment":"neutral","sentiment_score":0.0842459499835968}],"sentiment":"neutral","sentiment_score":0.0842459499835968,"channel":1,"num_words":1,"start":1452.86,"end":1453.36},{"sentences":[{"text":"to go through underwriting again, and the policy can just be added there.","start":1452.86,"end":1456.9401,"sentiment":"neutral","sentiment_score":0.25246770679950714},{"text":"It's nice and cost effective, which is important as well.","start":1456.9401,"end":1459.9,"sentiment":"positive","sentiment_score":0.625007638335228},{"text":"Okay.","start":1459.9,"end":1460.4,"sentiment":"neutral","sentiment_score":0.101523295044899}],"sentiment":"positive","sentiment_score":0.4014033277829488,"channel":0,"num_words":24,"start":1452.86,"end":1460.4},{"sentences":[{"text":"Yeah.","start":1460.06,"end":1460.56,"sentiment":"neutral","sentiment_score":0.08160857856273651}],"sentiment":"neutral","sentiment_score":0.08160857856273651,"channel":1,"num_words":1,"start":1460.06,"end":1460.56},{"sentences":[{"text":"Yeah.","start":1460.995,"end":1461.315,"sentiment":"neutral","sentiment_score":0.06843075156211853},{"text":"Do","start":1461.315,"end":1461.5549,"sentiment":"neutral","sentiment_score":0.05047117546200752}],"sentiment":"neutral","sentiment_score":0.059450963512063026,"channel":0,"num_words":2,"start":1460.995,"end":1461.5549},{"sentences":[{"text":"True.","start":1461.42,"end":1461.92,"sentiment":"neutral","sentiment_score":0.06914924085140228}],"sentiment":"neutral","sentiment_score":0.06914924085140228,"channel":1,"num_words":1,"start":1461.42,"end":1461.92},{"sentences":[{"text":"you have any questions so far?","start":1461.5549,"end":1463.635,"sentiment":"neutral","sentiment_score":0.049032824113965034},{"text":"Is there anything you wanted me to touch further on?","start":1463.635,"end":1466.375,"sentiment":"neutral","sentiment_score":0.03348175752907991}],"sentiment":"neutral","sentiment_score":0.039313407498411834,"channel":0,"num_words":16,"start":1461.5549,"end":1466.375},{"sentences":[{"text":"No.","start":1466.575,"end":1466.895,"sentiment":"neutral","sentiment_score":-0.1112988144159317},{"text":"No.","start":1466.895,"end":1467.375,"sentiment":"neutral","sentiment_score":-0.11806203424930573},{"text":"That's that's","start":1467.375,"end":1468.095,"sentiment":"neutral","sentiment_score":-0.12048181146383286}],"sentiment":"neutral","sentiment_score":-0.11758111789822578,"channel":1,"num_words":4,"start":1466.575,"end":1468.095},{"sentences":[{"text":"No.","start":1467.875,"end":1468.375,"sentiment":"neutral","sentiment_score":-0.17060500383377075}],"sentiment":"neutral","sentiment_score":-0.17060500383377075,"channel":0,"num_words":1,"start":1467.875,"end":1468.375},{"sentences":[{"text":"all pretty well.","start":1468.095,"end":1469.135,"sentiment":"neutral","sentiment_score":-0.12069204201300938},{"text":"Like, that coming out pretty cost","start":1469.135,"end":1470.735,"sentiment":"neutral","sentiment_score":-0.0709327415873607}],"sentiment":"neutral","sentiment_score":-0.08751917506257693,"channel":1,"num_words":9,"start":1468.095,"end":1470.735},{"sentences":[{"text":"Yeah.","start":1470.515,"end":1471.015,"sentiment":"neutral","sentiment_score":0.012601500377058985}],"sentiment":"neutral","sentiment_score":0.012601500377058985,"channel":0,"num_words":1,"start":1470.515,"end":1471.015},{"sentences":[{"text":"effective.","start":1470.735,"end":1471.235,"sentiment":"neutral","sentiment_score":0.022277483716607097},{"text":"I mean, nothing","start":1471.2949,"end":1472.1749,"sentiment":"neutral","sentiment_score":-0.009637948436041674}],"sentiment":"neutral","sentiment_score":-0.0016590903978794804,"channel":1,"num_words":4,"start":1470.735,"end":1472.1749},{"sentences":[{"text":"Yeah.","start":1472.0349,"end":1472.5349,"sentiment":"neutral","sentiment_score":-0.0056007662788033485}],"sentiment":"neutral","sentiment_score":-0.0056007662788033485,"channel":0,"num_words":1,"start":1472.0349,"end":1472.5349},{"sentences":[{"text":"that's that's nothing really.","start":1472.495,"end":1474.015,"sentiment":"neutral","sentiment_score":-0.05366207752376795},{"text":"I do I mean,","start":1474.015,"end":1474.735,"sentiment":"neutral","sentiment_score":0.028709936421364546}],"sentiment":"neutral","sentiment_score":-0.012476070551201701,"channel":1,"num_words":8,"start":1472.495,"end":1474.735},{"sentences":[{"text":"Yeah.","start":1474.53,"end":1475.03,"sentiment":"neutral","sentiment_score":0.1102561503648758}],"sentiment":"neutral","sentiment_score":0.1102561503648758,"channel":0,"num_words":1,"start":1474.53,"end":1475.03},{"sentences":[{"text":"I do it do it for him.","start":1474.735,"end":1476.48,"sentiment":"neutral","sentiment_score":0.19537383317947388},{"text":"And then when the new boy's he's two, I'll do the same.","start":1476.48,"end":1480.5801,"sentiment":"neutral","sentiment_score":0.09029876937468846}],"sentiment":"neutral","sentiment_score":0.12901063498697782,"channel":1,"num_words":19,"start":1474.735,"end":1480.5801},{"sentences":[{"text":"Yep.","start":1481.09,"end":1481.59,"sentiment":"neutral","sentiment_score":0.05916481837630272}],"sentiment":"neutral","sentiment_score":0.05916481837630272,"channel":0,"num_words":1,"start":1481.09,"end":1481.59},{"sentences":[{"text":"And then, yeah, I'll just keep adding adding on","start":1482.0801,"end":1484.72,"sentiment":"neutral","sentiment_score":0.026394635024997923}],"sentiment":"neutral","sentiment_score":0.026394635024997923,"channel":1,"num_words":9,"start":1482.0801,"end":1484.72},{"sentences":[{"text":"Absolutely.","start":1484.69,"end":1485.19,"sentiment":"neutral","sentiment_score":0.03953071683645248}],"sentiment":"neutral","sentiment_score":0.03953071683645248,"channel":0,"num_words":1,"start":1484.69,"end":1485.19},{"sentences":[{"text":"to mine.","start":1484.72,"end":1485.38,"sentiment":"neutral","sentiment_score":0.04345783405005932}],"sentiment":"neutral","sentiment_score":0.04345783405005932,"channel":1,"num_words":2,"start":1484.72,"end":1485.38},{"sentences":[{"text":"Absolutely.","start":1486.0549,"end":1486.5549,"sentiment":"neutral","sentiment_score":0.2861839532852173},{"text":"Absolutely.","start":1486.9349,"end":1487.4349,"sentiment":"positive","sentiment_score":0.46723300218582153},{"text":"It's a great policy.","start":1487.495,"end":1488.715,"sentiment":"positive","sentiment_score":0.7430945634841919},{"text":"It's nice and cost effective.","start":1488.855,"end":1490.235,"sentiment":"positive","sentiment_score":0.7197626233100891},{"text":"And even, like, before your your second son turns two, let's look at it closer too because worst case, we can always update the advice as your policies would have gone through a few renewals.","start":1491.1749,"end":1501.1399,"sentiment":"neutral","sentiment_score":0.0797844546181815}],"sentiment":"neutral","sentiment_score":0.21993617907814358,"channel":0,"num_words":46,"start":1486.0549,"end":1501.1399},{"sentences":[{"text":"So we might have to alter the amounts there, look at what they're costing, and see what your expenditure","start":1501.44,"end":1505.86,"sentiment":"neutral","sentiment_score":0.04984720384604052}],"sentiment":"neutral","sentiment_score":0.04984720384604052,"channel":0,"num_words":19,"start":1501.44,"end":1505.86},{"sentences":[{"text":"Yeah.","start":1505.5,"end":1506.0,"sentiment":"neutral","sentiment_score":0.0796249657869339}],"sentiment":"neutral","sentiment_score":0.0796249657869339,"channel":1,"num_words":1,"start":1505.5,"end":1506.0},{"sentences":[{"text":"allows for.","start":1506.0,"end":1506.8999,"sentiment":"neutral","sentiment_score":0.06346194073557854},{"text":"So,","start":1507.6799,"end":1508.1799,"sentiment":"neutral","sentiment_score":0.023745708167552948}],"sentiment":"neutral","sentiment_score":0.05022319654623667,"channel":0,"num_words":3,"start":1506.0,"end":1508.1799},{"sentences":[{"text":"Yeah.","start":1507.9,"end":1508.4,"sentiment":"neutral","sentiment_score":0.013186506927013395}],"sentiment":"neutral","sentiment_score":0.013186506927013395,"channel":1,"num_words":1,"start":1507.9,"end":1508.4},{"sentences":[{"text":"sorry, we might be able to and need to alter the policies a little bit down the track there.","start":1508.32,"end":1512.465,"sentiment":"neutral","sentiment_score":-0.012801618266262506},{"text":"So before he turns to, we can look at it together, update the advice, and really hone in on what we need to do to make it work for you guys.","start":1512.465,"end":1519.905,"sentiment":"neutral","sentiment_score":0.1546539309765062},{"text":"So you're not spending a fortune out of your back pocket because kids are expensive.","start":1519.905,"end":1524.325,"sentiment":"neutral","sentiment_score":-0.17056093066930772},{"text":"Let's be honest.","start":1524.385,"end":1525.365,"sentiment":"neutral","sentiment_score":-0.08653456221024196}],"sentiment":"neutral","sentiment_score":0.025485639213858283,"channel":0,"num_words":68,"start":1508.32,"end":1525.365},{"sentences":[{"text":"They are.","start":1525.095,"end":1525.575,"sentiment":"neutral","sentiment_score":-0.06895951181650162},{"text":"Yeah.","start":1525.575,"end":1525.815,"sentiment":"neutral","sentiment_score":-0.02358362264931202},{"text":"That's at least two boxes of nappies so far.","start":1525.815,"end":1528.71,"sentiment":"neutral","sentiment_score":-0.05718571568528811}],"sentiment":"neutral","sentiment_score":-0.056347840620825686,"channel":1,"num_words":12,"start":1525.095,"end":1528.71},{"sentences":[{"text":"Those are expensive, aren't they?","start":1529.57,"end":1531.25,"sentiment":"neutral","sentiment_score":-0.2060653507709503},{"text":"That's insane.","start":1531.25,"end":1531.99,"sentiment":"negative","sentiment_score":-0.3468969166278839},{"text":"Oh, but no.","start":1534.7699,"end":1535.6499,"sentiment":"neutral","sentiment_score":-0.0755165343483289},{"text":"It's honestly all we'll definitely look down the track to help you out with that aspect.","start":1535.6499,"end":1539.51,"sentiment":"neutral","sentiment_score":0.07651184254791588},{"text":"I'll let you read through this one, take it all in, and let me know if you do have any questions there.","start":1539.73,"end":1545.175,"sentiment":"neutral","sentiment_score":0.2859620526432991}],"sentiment":"neutral","sentiment_score":0.115930926015911,"channel":0,"num_words":48,"start":1529.57,"end":1545.175},{"sentences":[{"text":"Yeah.","start":1545.125,"end":1545.4451,"sentiment":"neutral","sentiment_score":0.29617998003959656}],"sentiment":"neutral","sentiment_score":0.29617998003959656,"channel":1,"num_words":1,"start":1545.125,"end":1545.4451},{"sentences":[{"text":"I've also","start":1545.175,"end":1545.655,"sentiment":"positive","sentiment_score":0.3395332247018814}],"sentiment":"positive","sentiment_score":0.3395332247018814,"channel":0,"num_words":2,"start":1545.175,"end":1545.655},{"sentences":[{"text":"Easy.","start":1545.4451,"end":1545.9451,"sentiment":"positive","sentiment_score":0.4334409236907959}],"sentiment":"positive","sentiment_score":0.4334409236907959,"channel":1,"num_words":1,"start":1545.4451,"end":1545.9451},{"sentences":[{"text":"just backed in the estate planning side of things as well.","start":1545.655,"end":1548.555,"sentiment":"positive","sentiment_score":0.3834649324417114},{"text":"You do have your beneficiaries on file.","start":1548.615,"end":1550.4551,"sentiment":"neutral","sentiment_score":0.23970277394567216},{"text":"You were comfortable with those, but one of the things we'd talk about was not having a will and power of attorney.","start":1550.4551,"end":1555.435,"sentiment":"neutral","sentiment_score":0.04418822801248594},{"text":"So","start":1556.16,"end":1556.2401,"sentiment":"neutral","sentiment_score":0.043115608394145966}],"sentiment":"neutral","sentiment_score":0.16856805607676506,"channel":0,"num_words":41,"start":1545.655,"end":1556.2401},{"sentences":[{"text":"Yeah.","start":1556.1901,"end":1556.6901,"sentiment":"neutral","sentiment_score":0.09359022229909895}],"sentiment":"neutral","sentiment_score":0.09359022229909895,"channel":1,"num_words":1,"start":1556.1901,"end":1556.6901},{"sentences":[{"text":"having your second child now with your life changing, having your will drawn up is really important.","start":1556.2401,"end":1561.12,"sentiment":"neutral","sentiment_score":0.12866670200053384},{"text":"So I've added that in there that we are recommending you do have a will and power of attorney, just making sure everything is in line with your wishes.","start":1561.12,"end":1567.4601,"sentiment":"neutral","sentiment_score":0.25073272555038845}],"sentiment":"neutral","sentiment_score":0.20562136902109437,"channel":0,"num_words":46,"start":1556.2401,"end":1567.4601},{"sentences":[{"text":"Yeah.","start":1567.855,"end":1568.355,"sentiment":"neutral","sentiment_score":0.13521727919578552}],"sentiment":"neutral","sentiment_score":0.13521727919578552,"channel":1,"num_words":1,"start":1567.855,"end":1568.355},{"sentences":[{"text":"I can, if you like, send out.","start":1567.92,"end":1569.2001,"sentiment":"neutral","sentiment_score":0.10527518391609192},{"text":"I don't know if anyone sent out to you yet, and I hope someone has.","start":1569.2001,"end":1572.145,"sentiment":"neutral","sentiment_score":0.013746947996939223},{"text":"Did you receive the email with the solicitor's information from the annual review?","start":1572.145,"end":1575.925,"sentiment":"neutral","sentiment_score":0.01734109652730135}],"sentiment":"neutral","sentiment_score":0.03338756463490426,"channel":0,"num_words":35,"start":1567.92,"end":1575.925},{"sentences":[{"text":"I can't I can't remember, but that's alright.","start":1578.4149,"end":1581.0549,"sentiment":"neutral","sentiment_score":-0.042245457763783634},{"text":"If I need a solicitor, I've I've","start":1581.0549,"end":1584.1499,"sentiment":"neutral","sentiment_score":0.024949675691979274}],"sentiment":"neutral","sentiment_score":-0.010887728817760945,"channel":1,"num_words":15,"start":1578.4149,"end":1584.1499},{"sentences":[{"text":"Yep.","start":1583.76,"end":1584.26,"sentiment":"neutral","sentiment_score":0.058171819895505905}],"sentiment":"neutral","sentiment_score":0.058171819895505905,"channel":0,"num_words":1,"start":1583.76,"end":1584.26},{"sentences":[{"text":"I've","start":1584.1499,"end":1584.39,"sentiment":"neutral","sentiment_score":0.22900566458702087}],"sentiment":"neutral","sentiment_score":0.22900566458702087,"channel":1,"num_words":1,"start":1584.1499,"end":1584.39},{"sentences":[{"text":"Perfect.","start":1584.3201,"end":1584.8201,"sentiment":"positive","sentiment_score":0.4610668420791626}],"sentiment":"positive","sentiment_score":0.4610668420791626,"channel":0,"num_words":1,"start":1584.3201,"end":1584.8201},{"sentences":[{"text":"got one.","start":1584.39,"end":1584.87,"sentiment":"neutral","sentiment_score":0.2761822044849396},{"text":"I've used one before, so I've used them again.","start":1584.87,"end":1587.5299,"sentiment":"neutral","sentiment_score":0.26085399753517574}],"sentiment":"neutral","sentiment_score":0.26364094425331464,"channel":1,"num_words":11,"start":1584.39,"end":1587.5299},{"sentences":[{"text":"Yep.","start":1587.8401,"end":1588.3201,"sentiment":"neutral","sentiment_score":0.3099721074104309},{"text":"Perfect.","start":1588.3201,"end":1588.8201,"sentiment":"positive","sentiment_score":0.5867387056350708},{"text":"Perfect.","start":1588.88,"end":1589.28,"sentiment":"positive","sentiment_score":0.5664341449737549},{"text":"Yeah.","start":1589.28,"end":1589.52,"sentiment":"positive","sentiment_score":0.3910143971443176},{"text":"Just doing those up when you are ready to do so.","start":1589.52,"end":1592.24,"sentiment":"positive","sentiment_score":0.4372273358431729}],"sentiment":"positive","sentiment_score":0.4442440032958984,"channel":0,"num_words":15,"start":1587.8401,"end":1592.24},{"sentences":[{"text":"Just provide the extra layer of protection for yourself, your family, your kids.","start":1592.24,"end":1595.775,"sentiment":"positive","sentiment_score":0.4496374588746291},{"text":"And there's so many good things you can do with the will to make sure your family is set up, make sure there's trust structures, and the assets are sold as to your wishes, and guardianship","start":1595.775,"end":1603.9551,"sentiment":"positive","sentiment_score":0.42226774618029594}],"sentiment":"positive","sentiment_score":0.4295290985277721,"channel":0,"num_words":49,"start":1592.24,"end":1603.9551},{"sentences":[{"text":"Yeah.","start":1603.725,"end":1604.225,"sentiment":"neutral","sentiment_score":0.13004490733146667}],"sentiment":"neutral","sentiment_score":0.13004490733146667,"channel":1,"num_words":1,"start":1603.725,"end":1604.225},{"sentences":[{"text":"if something happened to yourself and and Rhiannon as well.","start":1604.0951,"end":1606.8151,"sentiment":"neutral","sentiment_score":0.05298604071140289},{"text":"So it's just yeah.","start":1606.8151,"end":1608.115,"sentiment":"neutral","sentiment_score":0.05554270185530186},{"text":"Those sort of things are hard conversations to have, but they are really important at the same time.","start":1608.2,"end":1612.62,"sentiment":"neutral","sentiment_score":0.07094029275079568}],"sentiment":"neutral","sentiment_score":0.06340489012654871,"channel":0,"num_words":32,"start":1604.0951,"end":1612.62},{"sentences":[{"text":"Yeah.","start":1612.5801,"end":1612.9801,"sentiment":"neutral","sentiment_score":0.17842429876327515}],"sentiment":"neutral","sentiment_score":0.17842429876327515,"channel":1,"num_words":1,"start":1612.5801,"end":1612.9801},{"sentences":[{"text":"So","start":1612.68,"end":1613.18,"sentiment":"neutral","sentiment_score":0.2254323810338974}],"sentiment":"neutral","sentiment_score":0.2254323810338974,"channel":0,"num_words":1,"start":1612.68,"end":1613.18},{"sentences":[{"text":"Exactly right.","start":1612.9801,"end":1614.04,"sentiment":"positive","sentiment_score":0.3338279724121094}],"sentiment":"positive","sentiment_score":0.3338279724121094,"channel":1,"num_words":2,"start":1612.9801,"end":1614.04},{"sentences":[{"text":"yeah.","start":1614.6,"end":1615.0,"sentiment":"positive","sentiment_score":0.3694100081920624},{"text":"All good.","start":1615.0,"end":1615.82,"sentiment":"positive","sentiment_score":0.5247143805027008},{"text":"So I've got those in there for you.","start":1616.68,"end":1618.44,"sentiment":"positive","sentiment_score":0.4139155372977257},{"text":"Now the advice, as I mentioned, there's no cost to the advice, no implementation cost at all.","start":1618.44,"end":1623.165,"sentiment":"neutral","sentiment_score":0.2655264700160307},{"text":"We do receive remuneration from the insurance companies for the insurances we do recommend.","start":1623.485,"end":1628.2251,"sentiment":"positive","sentiment_score":0.3514330450977598}],"sentiment":"positive","sentiment_score":0.3372422783147721,"channel":0,"num_words":42,"start":1614.6,"end":1628.2251},{"sentences":[{"text":"So I do have in here on page 37 for you the updated remuneration because adding the child trauma policy means that we will do receive 66% of the first year's premium.","start":1628.285,"end":1638.7051,"sentiment":"neutral","sentiment_score":0.30722783179953694},{"text":"Based on","start":1639.19,"end":1639.59,"sentiment":"neutral","sentiment_score":0.06072277948260307}],"sentiment":"neutral","sentiment_score":0.2927275346044232,"channel":0,"num_words":34,"start":1628.285,"end":1639.59},{"sentences":[{"text":"Mhmm.","start":1639.37,"end":1639.87,"sentiment":"neutral","sentiment_score":0.0462384894490242}],"sentiment":"neutral","sentiment_score":0.0462384894490242,"channel":1,"num_words":1,"start":1639.37,"end":1639.87},{"sentences":[{"text":"the total cost over the year, it's expected to be about $98.","start":1639.59,"end":1643.21,"sentiment":"neutral","sentiment_score":-0.010582261253148317}],"sentiment":"neutral","sentiment_score":-0.010582261253148317,"channel":0,"num_words":12,"start":1639.59,"end":1643.21},{"sentences":[{"text":"Okay.","start":1643.61,"end":1644.11,"sentiment":"neutral","sentiment_score":0.06158110499382019}],"sentiment":"neutral","sentiment_score":0.06158110499382019,"channel":1,"num_words":1,"start":1643.61,"end":1644.11},{"sentences":[{"text":"The advice I'm providing is in your best interest to meet your goals.","start":1643.67,"end":1646.79,"sentiment":"neutral","sentiment_score":0.25001637236430097},{"text":"That's why I haven't","start":1646.79,"end":1647.59,"sentiment":"neutral","sentiment_score":-0.04317003674805164}],"sentiment":"neutral","sentiment_score":0.18103133492610035,"channel":0,"num_words":17,"start":1643.67,"end":1647.59},{"sentences":[{"text":"Yeah.","start":1647.45,"end":1647.95,"sentiment":"neutral","sentiment_score":-0.048587169498205185}],"sentiment":"neutral","sentiment_score":-0.048587169498205185,"channel":1,"num_words":1,"start":1647.45,"end":1647.95},{"sentences":[{"text":"gone with the highest cost one pass highest cost trauma policy.","start":1647.59,"end":1651.21,"sentiment":"neutral","sentiment_score":-0.10268230533057993},{"text":"We wanna make sure","start":1651.445,"end":1652.085,"sentiment":"neutral","sentiment_score":0.2519873231649399}],"sentiment":"neutral","sentiment_score":-0.008103737731774648,"channel":0,"num_words":15,"start":1647.59,"end":1652.085},{"sentences":[{"text":"Yeah.","start":1651.9299,"end":1652.4299,"sentiment":"positive","sentiment_score":0.4578196406364441}],"sentiment":"positive","sentiment_score":0.4578196406364441,"channel":1,"num_words":1,"start":1651.9299,"end":1652.4299},{"sentences":[{"text":"it's cost effective for you.","start":1652.085,"end":1653.365,"sentiment":"positive","sentiment_score":0.5425126433372498},{"text":"It's working for you.","start":1653.365,"end":1654.505,"sentiment":"positive","sentiment_score":0.5869735926389694},{"text":"And the remuneration is just another aspect we like to disclose.","start":1654.8049,"end":1658.005,"sentiment":"neutral","sentiment_score":0.12404515255581249},{"text":"It has no","start":1658.005,"end":1658.645,"sentiment":"neutral","sentiment_score":0.007741772880156835}],"sentiment":"neutral","sentiment_score":0.28035563408680586,"channel":0,"num_words":23,"start":1652.085,"end":1658.645},{"sentences":[{"text":"Yeah.","start":1658.635,"end":1659.135,"sentiment":"neutral","sentiment_score":-0.001284657046198845}],"sentiment":"neutral","sentiment_score":-0.001284657046198845,"channel":1,"num_words":1,"start":1658.635,"end":1659.135},{"sentences":[{"text":"effect on my recommendations in any way, shape, or form.","start":1658.645,"end":1661.705,"sentiment":"neutral","sentiment_score":0.027010538429021836}],"sentiment":"neutral","sentiment_score":0.027010538429021836,"channel":0,"num_words":10,"start":1658.645,"end":1661.705},{"sentences":[{"text":"Daisy.","start":1662.3151,"end":1662.8151,"sentiment":"neutral","sentiment_score":0.04855688288807869}],"sentiment":"neutral","sentiment_score":0.04855688288807869,"channel":1,"num_words":1,"start":1662.3151,"end":1662.8151},{"sentences":[{"text":"And then the ongoing remuneration for all policies is 22%.","start":1663.205,"end":1666.89,"sentiment":"neutral","sentiment_score":0.10161626935005189},{"text":"They're ongoing.","start":1666.89,"end":1667.7101,"sentiment":"neutral","sentiment_score":0.09060967713594437},{"text":"We have added on the remuneration ongoing side.","start":1668.01,"end":1670.41,"sentiment":"neutral","sentiment_score":0.11672991141676903},{"text":"It's a combination of all your one part policies together.","start":1670.41,"end":1673.6901,"sentiment":"neutral","sentiment_score":0.13501246571540831},{"text":"So it is expected to be $7.97 for the year based on 22% of your total premium cost and not on just the cost of the child trauma, just to hear what","start":1673.6901,"end":1683.2251,"sentiment":"neutral","sentiment_score":0.07934220135211945}],"sentiment":"neutral","sentiment_score":0.09710155547626557,"channel":0,"num_words":62,"start":1663.205,"end":1683.2251},{"sentences":[{"text":"Yeah.","start":1684.045,"end":1684.365,"sentiment":"neutral","sentiment_score":0.0239630788564682},{"text":"I'll know.","start":1684.365,"end":1685.105,"sentiment":"neutral","sentiment_score":0.02883914578706026},{"text":"No.","start":1685.965,"end":1686.2051,"sentiment":"neutral","sentiment_score":0.11057065427303314},{"text":"Easy.","start":1686.2051,"end":1686.7051,"sentiment":"neutral","sentiment_score":0.2602585256099701}],"sentiment":"neutral","sentiment_score":0.09049411006271839,"channel":1,"num_words":5,"start":1684.045,"end":1686.7051},{"sentences":[{"text":"excellent.","start":1687.385,"end":1687.885,"sentiment":"positive","sentiment_score":0.4991486072540283},{"text":"There's no setup or implementation fees and charge for us for the services.","start":1688.505,"end":1692.3451,"sentiment":"neutral","sentiment_score":0.22205654990214568},{"text":"You're an ongoing service client.","start":1692.3451,"end":1693.62,"sentiment":"neutral","sentiment_score":0.1754005640745163},{"text":"You're paying ongoing service fee of 1.65% per annum.","start":1693.62,"end":1697.14,"sentiment":"neutral","sentiment_score":0.16788624144262737},{"text":"So we obviously wanna make sure that this is looking after you.","start":1697.14,"end":1700.74,"sentiment":"neutral","sentiment_score":0.19222295532623926}],"sentiment":"neutral","sentiment_score":0.20201345533132553,"channel":0,"num_words":40,"start":1687.385,"end":1700.74},{"sentences":[{"text":"I actually think this is you're on 1.1.","start":1700.74,"end":1703.46,"sentiment":"neutral","sentiment_score":0.001596985850483179},{"text":"So sorry.","start":1703.46,"end":1703.86,"sentiment":"neutral","sentiment_score":-0.026410462334752083},{"text":"There is a typo there.","start":1703.86,"end":1705.155,"sentiment":"neutral","sentiment_score":-0.054008524119853976}],"sentiment":"neutral","sentiment_score":-0.02067251056432724,"channel":0,"num_words":15,"start":1700.74,"end":1705.155},{"sentences":[{"text":"That's","start":1705.8049,"end":1706.125,"sentiment":"neutral","sentiment_score":-0.007494279183447361}],"sentiment":"neutral","sentiment_score":-0.007494279183447361,"channel":1,"num_words":1,"start":1705.8049,"end":1706.125},{"sentences":[{"text":"This","start":1706.115,"end":1706.355,"sentiment":"neutral","sentiment_score":0.016958162188529968}],"sentiment":"neutral","sentiment_score":0.016958162188529968,"channel":0,"num_words":1,"start":1706.115,"end":1706.355},{"sentences":[{"text":"okay.","start":1706.125,"end":1706.625,"sentiment":"neutral","sentiment_score":0.048238545656204224}],"sentiment":"neutral","sentiment_score":0.048238545656204224,"channel":1,"num_words":1,"start":1706.125,"end":1706.625},{"sentences":[{"text":"document automates the 1.65%, but you're on 1.1% because you're Maddie's brother.","start":1706.355,"end":1711.875,"sentiment":"neutral","sentiment_score":0.05117336971064409},{"text":"So it's not an issue.","start":1711.875,"end":1714.275,"sentiment":"neutral","sentiment_score":0.09614298045635224},{"text":"It's over disclosed in the advice document, which is fine as long as your ongoing service agreement is correct, and that is correct because I just checked it then.","start":1714.275,"end":1721.6699,"sentiment":"neutral","sentiment_score":0.12637113908241535},{"text":"So","start":1721.6699,"end":1722.1699,"sentiment":"neutral","sentiment_score":0.032593801617622375}],"sentiment":"neutral","sentiment_score":0.10196068454930123,"channel":0,"num_words":47,"start":1706.355,"end":1722.1699},{"sentences":[{"text":"Yeah.","start":1722.28,"end":1722.76,"sentiment":"neutral","sentiment_score":0.01624329388141632}],"sentiment":"neutral","sentiment_score":0.01624329388141632,"channel":1,"num_words":1,"start":1722.28,"end":1722.76},{"sentences":[{"text":"I","start":1722.5499,"end":1722.7899,"sentiment":"neutral","sentiment_score":-0.03533415496349335}],"sentiment":"neutral","sentiment_score":-0.03533415496349335,"channel":0,"num_words":1,"start":1722.5499,"end":1722.7899},{"sentences":[{"text":"No.","start":1722.76,"end":1723.26,"sentiment":"neutral","sentiment_score":-0.06061583012342453}],"sentiment":"neutral","sentiment_score":-0.06061583012342453,"channel":1,"num_words":1,"start":1722.76,"end":1723.26},{"sentences":[{"text":"just wanted to make sure you're aware that's what it says.","start":1722.7899,"end":1725.59,"sentiment":"neutral","sentiment_score":-0.057579543102871285},{"text":"It's just the standard with most of our clients that you're obviously on a discounted rate for that one.","start":1725.59,"end":1730.57,"sentiment":"neutral","sentiment_score":0.04330654604066359},{"text":"If you want, I'm happy to go and update that for you to reflect before you read it.","start":1730.71,"end":1734.7899,"sentiment":"neutral","sentiment_score":0.11692571764190991},{"text":"Do you want me to change that ongoing service","start":1734.7899,"end":1737.315,"sentiment":"neutral","sentiment_score":-0.08693243025077714}],"sentiment":"neutral","sentiment_score":0.02652141133225278,"channel":0,"num_words":57,"start":1722.7899,"end":1737.315},{"sentences":[{"text":"I'm not.","start":1736.8451,"end":1737.665,"sentiment":"neutral","sentiment_score":-0.0720735602080822}],"sentiment":"neutral","sentiment_score":-0.0720735602080822,"channel":1,"num_words":2,"start":1736.8451,"end":1737.665},{"sentences":[{"text":"percentage for you?","start":1737.315,"end":1738.355,"sentiment":"neutral","sentiment_score":-0.04702046141028404}],"sentiment":"neutral","sentiment_score":-0.04702046141028404,"channel":0,"num_words":3,"start":1737.315,"end":1738.355},{"sentences":[{"text":"That's that's","start":1737.9651,"end":1738.7051,"sentiment":"neutral","sentiment_score":-0.06483113020658493}],"sentiment":"neutral","sentiment_score":-0.06483113020658493,"channel":1,"num_words":2,"start":1737.9651,"end":1738.7051},{"sentences":[{"text":"It's not?","start":1738.355,"end":1739.015,"sentiment":"neutral","sentiment_score":-0.08889196813106537}],"sentiment":"neutral","sentiment_score":-0.08889196813106537,"channel":0,"num_words":2,"start":1738.355,"end":1739.015},{"sentences":[{"text":"that's like that's","start":1738.925,"end":1739.805,"sentiment":"neutral","sentiment_score":-0.08261879906058311}],"sentiment":"neutral","sentiment_score":-0.08261879906058311,"channel":1,"num_words":3,"start":1738.925,"end":1739.805},{"sentences":[{"text":"You sure?","start":1739.475,"end":1740.215,"sentiment":"neutral","sentiment_score":-0.041947076097130775}],"sentiment":"neutral","sentiment_score":-0.041947076097130775,"channel":0,"num_words":2,"start":1739.475,"end":1740.215},{"sentences":[{"text":"okay.","start":1739.805,"end":1740.2051,"sentiment":"neutral","sentiment_score":-0.03649909794330597},{"text":"I know.","start":1740.2051,"end":1740.605,"sentiment":"neutral","sentiment_score":-0.04624957777559757},{"text":"Yeah.","start":1740.605,"end":1740.765,"sentiment":"neutral","sentiment_score":-0.02387802116572857}],"sentiment":"neutral","sentiment_score":-0.03821906866505742,"channel":1,"num_words":4,"start":1739.805,"end":1740.765},{"sentences":[{"text":"Okay.","start":1740.6749,"end":1741.1749,"sentiment":"neutral","sentiment_score":-0.027968399226665497}],"sentiment":"neutral","sentiment_score":-0.027968399226665497,"channel":0,"num_words":1,"start":1740.6749,"end":1741.1749},{"sentences":[{"text":"I know what's going on.","start":1740.765,"end":1742.045,"sentiment":"neutral","sentiment_score":-0.052473926544189455},{"text":"The perks have been","start":1742.045,"end":1743.185,"sentiment":"positive","sentiment_score":0.5726198107004166}],"sentiment":"neutral","sentiment_score":0.225345512231191,"channel":1,"num_words":9,"start":1740.765,"end":1743.185},{"sentences":[{"text":"Beautiful.","start":1742.755,"end":1743.255,"sentiment":"positive","sentiment_score":0.7414990663528442}],"sentiment":"positive","sentiment_score":0.7414990663528442,"channel":0,"num_words":1,"start":1742.755,"end":1743.255},{"sentences":[{"text":"Madison's brother.","start":1743.9651,"end":1745.185,"sentiment":"positive","sentiment_score":0.41661351919174194}],"sentiment":"positive","sentiment_score":0.41661351919174194,"channel":1,"num_words":2,"start":1743.9651,"end":1745.185},{"sentences":[{"text":"Look.","start":1747.235,"end":1747.735,"sentiment":"neutral","sentiment_score":0.26027342677116394},{"text":"Gotta look after you, honestly.","start":1747.7949,"end":1749.235,"sentiment":"neutral","sentiment_score":0.21681508421897888},{"text":"She sits behind","start":1749.235,"end":1749.955,"sentiment":"neutral","sentiment_score":0.08644848068555196}],"sentiment":"neutral","sentiment_score":0.17818825443585715,"channel":0,"num_words":9,"start":1747.235,"end":1749.955},{"sentences":[{"text":"Yeah.","start":1749.7201,"end":1750.2201,"sentiment":"neutral","sentiment_score":0.09563682973384856}],"sentiment":"neutral","sentiment_score":0.09563682973384856,"channel":1,"num_words":1,"start":1749.7201,"end":1750.2201},{"sentences":[{"text":"me and can hear all my conversations, so she'll tell me if I stuff up something.","start":1749.955,"end":1754.35,"sentiment":"neutral","sentiment_score":0.12673668935894966},{"text":"No.","start":1757.21,"end":1757.61,"sentiment":"neutral","sentiment_score":0.0038025230169296265},{"text":"All good.","start":1757.61,"end":1758.1699,"sentiment":"neutral","sentiment_score":0.1437668725848198},{"text":"But I will let you go and have a bit of a read through that, take it in.","start":1758.1699,"end":1761.0499,"sentiment":"neutral","sentiment_score":0.14598274810446632},{"text":"If there's anything that you had questions on wanting me to update or clarify, please let me know.","start":1761.0499,"end":1765.95,"sentiment":"neutral","sentiment_score":0.16587108621994653}],"sentiment":"neutral","sentiment_score":0.14422713301398538,"channel":0,"num_words":55,"start":1749.955,"end":1765.95},{"sentences":[{"text":"Wanna make sure that, obviously, you're looked after, that we're providing the value of our services, and that we're here to help you and to meet all of your goals.","start":1766.365,"end":1772.705,"sentiment":"positive","sentiment_score":0.4526107038060824},{"text":"So, yeah,","start":1772.845,"end":1773.9049,"sentiment":"neutral","sentiment_score":0.13275440782308578}],"sentiment":"positive","sentiment_score":0.4326196853071451,"channel":0,"num_words":32,"start":1766.365,"end":1773.9049},{"sentences":[{"text":"A","start":1773.96,"end":1774.36,"sentiment":"neutral","sentiment_score":0.12730608880519867}],"sentiment":"neutral","sentiment_score":0.12730608880519867,"channel":1,"num_words":1,"start":1773.96,"end":1774.36},{"sentences":[{"text":"that's","start":1774.0449,"end":1774.525,"sentiment":"neutral","sentiment_score":0.14793767035007477}],"sentiment":"neutral","sentiment_score":0.14793767035007477,"channel":0,"num_words":1,"start":1774.0449,"end":1774.525},{"sentences":[{"text":"z","start":1774.36,"end":1774.6799,"sentiment":"neutral","sentiment_score":0.13294550776481628}],"sentiment":"neutral","sentiment_score":0.13294550776481628,"channel":1,"num_words":1,"start":1774.36,"end":1774.6799},{"sentences":[{"text":"basically","start":1774.525,"end":1775.025,"sentiment":"neutral","sentiment_score":0.06068076938390732}],"sentiment":"neutral","sentiment_score":0.06068076938390732,"channel":0,"num_words":1,"start":1774.525,"end":1775.025},{"sentences":[{"text":"diamond.","start":1774.6799,"end":1775.1799,"sentiment":"neutral","sentiment_score":0.07618437707424164}],"sentiment":"neutral","sentiment_score":0.07618437707424164,"channel":1,"num_words":1,"start":1774.6799,"end":1775.1799},{"sentences":[{"text":"the advice.","start":1775.325,"end":1776.065,"sentiment":"neutral","sentiment_score":0.03668886609375477}],"sentiment":"neutral","sentiment_score":0.03668886609375477,"channel":0,"num_words":2,"start":1775.325,"end":1776.065},{"sentences":[{"text":"Not a z.","start":1777.48,"end":1778.62,"sentiment":"neutral","sentiment_score":-0.000810121496518453}],"sentiment":"neutral","sentiment_score":-0.000810121496518453,"channel":1,"num_words":3,"start":1777.48,"end":1778.62},{"sentences":[{"text":"Perfect.","start":1779.65,"end":1780.13,"sentiment":"positive","sentiment_score":0.483257919549942},{"text":"Perfect.","start":1780.13,"end":1780.63,"sentiment":"positive","sentiment_score":0.5834763050079346},{"text":"If you decide to take on all of that, how implementation should go is you sign the document, you send it back to us.","start":1780.69,"end":1786.47,"sentiment":"neutral","sentiment_score":0.2898399985084931},{"text":"We'll start by the investment switch, and then we'll book you in with our admin team start to go through the application for the child trauma policy, have it submitted","start":1786.61,"end":1794.225,"sentiment":"neutral","sentiment_score":0.24595262457927067}],"sentiment":"neutral","sentiment_score":0.27502630225249697,"channel":0,"num_words":56,"start":1779.65,"end":1794.225},{"sentences":[{"text":"Yep.","start":1794.225,"end":1794.725,"sentiment":"neutral","sentiment_score":0.24809753894805908}],"sentiment":"neutral","sentiment_score":0.24809753894805908,"channel":1,"num_words":1,"start":1794.225,"end":1794.725},{"sentences":[{"text":"off, and organized for that to be linked to the other policies to make it nice and easy.","start":1794.225,"end":1798.805,"sentiment":"positive","sentiment_score":0.3779524655805694},{"text":"Okay.","start":1798.865,"end":1799.365,"sentiment":"neutral","sentiment_score":0.302754282951355}],"sentiment":"positive","sentiment_score":0.37399466649482127,"channel":0,"num_words":19,"start":1794.225,"end":1799.365},{"sentences":[{"text":"Easy.","start":1799.025,"end":1799.505,"sentiment":"positive","sentiment_score":0.43869030475616455},{"text":"And","start":1799.505,"end":1800.005,"sentiment":"positive","sentiment_score":0.401089072227478}],"sentiment":"positive","sentiment_score":0.4198896884918213,"channel":1,"num_words":2,"start":1799.025,"end":1800.005},{"sentences":[{"text":"Very easy","start":1799.505,"end":1800.225,"sentiment":"positive","sentiment_score":0.49567125737667084}],"sentiment":"positive","sentiment_score":0.49567125737667084,"channel":0,"num_words":2,"start":1799.505,"end":1800.225},{"sentences":[{"text":"one","start":1800.145,"end":1800.645,"sentiment":"positive","sentiment_score":0.5071126818656921}],"sentiment":"positive","sentiment_score":0.5071126818656921,"channel":1,"num_words":1,"start":1800.145,"end":1800.645},{"sentences":[{"text":"implementation.","start":1800.225,"end":1800.725,"sentiment":"positive","sentiment_score":0.45350977778434753},{"text":"Yeah.","start":1801.265,"end":1801.585,"sentiment":"neutral","sentiment_score":0.10285644233226776},{"text":"Of","start":1801.585,"end":1801.745,"sentiment":"neutral","sentiment_score":0.028306761756539345}],"sentiment":"neutral","sentiment_score":0.19489099395771822,"channel":0,"num_words":3,"start":1800.225,"end":1801.745},{"sentences":[{"text":"one","start":1801.61,"end":1802.01,"sentiment":"neutral","sentiment_score":0.032094284892082214}],"sentiment":"neutral","sentiment_score":0.032094284892082214,"channel":1,"num_words":1,"start":1801.61,"end":1802.01},{"sentences":[{"text":"course.","start":1801.745,"end":1802.245,"sentiment":"neutral","sentiment_score":0.0324702225625515}],"sentiment":"neutral","sentiment_score":0.0324702225625515,"channel":0,"num_words":1,"start":1801.745,"end":1802.245},{"sentences":[{"text":"other question","start":1802.01,"end":1802.81,"sentiment":"neutral","sentiment_score":0.005431035533547401}],"sentiment":"neutral","sentiment_score":0.005431035533547401,"channel":1,"num_words":2,"start":1802.01,"end":1802.81},{"sentences":[{"text":"Yeah.","start":1802.64,"end":1803.14,"sentiment":"neutral","sentiment_score":0.000894082710146904}],"sentiment":"neutral","sentiment_score":0.000894082710146904,"channel":0,"num_words":1,"start":1802.64,"end":1803.14},{"sentences":[{"text":"is if I was to could I add a policy for Rhiannon?","start":1802.81,"end":1808.91,"sentiment":"neutral","sentiment_score":0.00459883416381975}],"sentiment":"neutral","sentiment_score":0.00459883416381975,"channel":1,"num_words":12,"start":1802.81,"end":1808.91},{"sentences":[{"text":"Mhmm.","start":1809.52,"end":1810.02,"sentiment":"neutral","sentiment_score":-0.006927406881004572},{"text":"Yep.","start":1810.08,"end":1810.58,"sentiment":"neutral","sentiment_score":-0.0025141569785773754}],"sentiment":"neutral","sentiment_score":-0.004720781929790974,"channel":0,"num_words":2,"start":1809.52,"end":1810.58},{"sentences":[{"text":"Or does","start":1810.25,"end":1810.81,"sentiment":"neutral","sentiment_score":-0.026596486568450928}],"sentiment":"neutral","sentiment_score":-0.026596486568450928,"channel":1,"num_words":2,"start":1810.25,"end":1810.81},{"sentences":[{"text":"You","start":1810.64,"end":1811.14,"sentiment":"neutral","sentiment_score":-0.023825131356716156}],"sentiment":"neutral","sentiment_score":-0.023825131356716156,"channel":0,"num_words":1,"start":1810.64,"end":1811.14},{"sentences":[{"text":"Rhiannon need to add a policy for herself?","start":1810.81,"end":1813.39,"sentiment":"neutral","sentiment_score":-0.011901777004823089}],"sentiment":"neutral","sentiment_score":-0.011901777004823089,"channel":1,"num_words":8,"start":1810.81,"end":1813.39},{"sentences":[{"text":"you absolutely can.","start":1813.68,"end":1815.38,"sentiment":"neutral","sentiment_score":0.03945184871554375},{"text":"There's nothing wrong with you holding a policy for her.","start":1816.035,"end":1818.755,"sentiment":"neutral","sentiment_score":-0.022739166766405104},{"text":"However, it is probably that it's for her to hold her own policy.","start":1818.755,"end":1821.895,"sentiment":"neutral","sentiment_score":-0.05846035423187109},{"text":"She's not working at the moment, is she?","start":1823.0751,"end":1825.175,"sentiment":"neutral","sentiment_score":-0.13227464072406292}],"sentiment":"neutral","sentiment_score":-0.05668287800953669,"channel":0,"num_words":34,"start":1813.68,"end":1825.175},{"sentences":[{"text":"No.","start":1825.325,"end":1825.825,"sentiment":"neutral","sentiment_score":-0.15969830751419067}],"sentiment":"neutral","sentiment_score":-0.15969830751419067,"channel":1,"num_words":1,"start":1825.325,"end":1825.825},{"sentences":[{"text":"No.","start":1825.9551,"end":1826.1951,"sentiment":"neutral","sentiment_score":-0.17267000675201416},{"text":"That's okay.","start":1826.1951,"end":1827.0751,"sentiment":"neutral","sentiment_score":-0.13168682157993317},{"text":"So we can just provide it I know because she might have super somewhere else, but when she's not working, it's sort of not really worth looking at a super.","start":1827.0751,"end":1833.61,"sentiment":"neutral","sentiment_score":-0.13107408136129378},{"text":"But we can do advice for insurance only.","start":1833.61,"end":1836.19,"sentiment":"neutral","sentiment_score":-0.05250549456104636},{"text":"So if she","start":1836.65,"end":1837.2899,"sentiment":"neutral","sentiment_score":-0.01724168099462986}],"sentiment":"neutral","sentiment_score":-0.11000079750506715,"channel":0,"num_words":44,"start":1825.9551,"end":1837.2899},{"sentences":[{"text":"Yeah.","start":1837.13,"end":1837.63,"sentiment":"neutral","sentiment_score":-0.01733824983239174}],"sentiment":"neutral","sentiment_score":-0.01733824983239174,"channel":1,"num_words":1,"start":1837.13,"end":1837.63},{"sentences":[{"text":"does wanna look at, like, a life policy or something like that while she's not working, it's hard to kind of look at income protection or TBD, but we can","start":1837.2899,"end":1845.225,"sentiment":"neutral","sentiment_score":-0.05457454926023881}],"sentiment":"neutral","sentiment_score":-0.05457454926023881,"channel":0,"num_words":30,"start":1837.2899,"end":1845.225},{"sentences":[{"text":"It","start":1845.025,"end":1845.265,"sentiment":"neutral","sentiment_score":-0.008224982768297195}],"sentiment":"neutral","sentiment_score":-0.008224982768297195,"channel":1,"num_words":1,"start":1845.025,"end":1845.265},{"sentences":[{"text":"look","start":1845.225,"end":1845.385,"sentiment":"neutral","sentiment_score":-0.02603784576058388}],"sentiment":"neutral","sentiment_score":-0.02603784576058388,"channel":0,"num_words":1,"start":1845.225,"end":1845.385},{"sentences":[{"text":"is.","start":1845.265,"end":1845.585,"sentiment":"neutral","sentiment_score":-0.014474433846771715}],"sentiment":"neutral","sentiment_score":-0.014474433846771715,"channel":1,"num_words":1,"start":1845.265,"end":1845.585},{"sentences":[{"text":"at life","start":1845.385,"end":1845.785,"sentiment":"neutral","sentiment_score":-0.006368421018123627}],"sentiment":"neutral","sentiment_score":-0.006368421018123627,"channel":0,"num_words":2,"start":1845.385,"end":1845.785},{"sentences":[{"text":"Yeah.","start":1845.585,"end":1846.085,"sentiment":"neutral","sentiment_score":0.005539434030652046}],"sentiment":"neutral","sentiment_score":0.005539434030652046,"channel":1,"num_words":1,"start":1845.585,"end":1846.085},{"sentences":[{"text":"and trauma policies for her.","start":1845.785,"end":1847.8049,"sentiment":"neutral","sentiment_score":0.006654634326696396}],"sentiment":"neutral","sentiment_score":0.006654634326696396,"channel":0,"num_words":5,"start":1845.785,"end":1847.8049},{"sentences":[{"text":"Okay.","start":1848.225,"end":1848.725,"sentiment":"neutral","sentiment_score":-0.02262287959456444}],"sentiment":"neutral","sentiment_score":-0.02262287959456444,"channel":1,"num_words":1,"start":1848.225,"end":1848.725},{"sentences":[{"text":"We can also look at maybe home duties TBD, which essentially means","start":1848.265,"end":1853.945,"sentiment":"neutral","sentiment_score":0.0360680950495104}],"sentiment":"neutral","sentiment_score":0.0360680950495104,"channel":0,"num_words":12,"start":1848.265,"end":1853.945},{"sentences":[{"text":"Yeah.","start":1853.745,"end":1854.245,"sentiment":"neutral","sentiment_score":0.04344380646944046}],"sentiment":"neutral","sentiment_score":0.04344380646944046,"channel":1,"num_words":1,"start":1853.745,"end":1854.245},{"sentences":[{"text":"that if she's not able to do her home duties due to something, that the money can be used to have cleaners and childcare and things like that set","start":1853.945,"end":1862.61,"sentiment":"neutral","sentiment_score":0.03612419436204022}],"sentiment":"neutral","sentiment_score":0.03612419436204022,"channel":0,"num_words":29,"start":1853.945,"end":1862.61},{"sentences":[{"text":"Okay.","start":1862.5,"end":1863.0,"sentiment":"neutral","sentiment_score":0.07327797263860703}],"sentiment":"neutral","sentiment_score":0.07327797263860703,"channel":1,"num_words":1,"start":1862.5,"end":1863.0},{"sentences":[{"text":"up.","start":1862.61,"end":1863.11,"sentiment":"neutral","sentiment_score":0.05343015491962433},{"text":"And you can get home duties, occupation, TBD.","start":1863.1699,"end":1866.1499,"sentiment":"neutral","sentiment_score":0.07408853713423014},{"text":"So we","start":1866.61,"end":1867.25,"sentiment":"neutral","sentiment_score":0.08312308415770531}],"sentiment":"neutral","sentiment_score":0.07385314730080692,"channel":0,"num_words":11,"start":1862.61,"end":1867.25},{"sentences":[{"text":"Yeah.","start":1867.22,"end":1867.72,"sentiment":"neutral","sentiment_score":0.2004747837781906}],"sentiment":"neutral","sentiment_score":0.2004747837781906,"channel":1,"num_words":1,"start":1867.22,"end":1867.72},{"sentences":[{"text":"can absolutely look at those sorts of options for her if she would like to.","start":1867.25,"end":1871.1749,"sentiment":"neutral","sentiment_score":0.2896327078342438},{"text":"I'm happy to help her out and have that conversation initially,","start":1871.1749,"end":1874.5549,"sentiment":"positive","sentiment_score":0.6416689590974287}],"sentiment":"positive","sentiment_score":0.43857112183020663,"channel":0,"num_words":26,"start":1867.25,"end":1874.5549},{"sentences":[{"text":"Yeah.","start":1874.835,"end":1875.335,"sentiment":"positive","sentiment_score":0.348567396402359}],"sentiment":"positive","sentiment_score":0.348567396402359,"channel":1,"num_words":1,"start":1874.835,"end":1875.335},{"sentences":[{"text":"talk about what we do and how it works, and provide advice for insurance only.","start":1874.9349,"end":1879.755,"sentiment":"neutral","sentiment_score":0.2948114852110545},{"text":"If that's the case, there's no ongoing fees for us doing that.","start":1879.8949,"end":1882.9349,"sentiment":"neutral","sentiment_score":0.23729678615927696},{"text":"We receive remuneration from insurances for from insurance companies for the insurances that we set up, and we can have it set up to be paid out of pocket or out of super depending on what she sort of wants, what her structure, and what your life allows for at the same time.","start":1882.9349,"end":1896.5599,"sentiment":"neutral","sentiment_score":0.22575173091213657},{"text":"So","start":1896.5599,"end":1896.7999,"sentiment":"neutral","sentiment_score":0.13305336236953735}],"sentiment":"neutral","sentiment_score":0.23910652855296194,"channel":0,"num_words":81,"start":1874.9349,"end":1896.7999},{"sentences":[{"text":"Yes.","start":1896.65,"end":1897.13,"sentiment":"neutral","sentiment_score":0.14309829473495483}],"sentiment":"neutral","sentiment_score":0.14309829473495483,"channel":1,"num_words":1,"start":1896.65,"end":1897.13},{"sentences":[{"text":"but","start":1897.0399,"end":1897.2,"sentiment":"neutral","sentiment_score":0.1338523030281067}],"sentiment":"neutral","sentiment_score":0.1338523030281067,"channel":0,"num_words":1,"start":1897.0399,"end":1897.2},{"sentences":[{"text":"Yeah.","start":1897.13,"end":1897.53,"sentiment":"neutral","sentiment_score":0.2114638388156891}],"sentiment":"neutral","sentiment_score":0.2114638388156891,"channel":1,"num_words":1,"start":1897.13,"end":1897.53},{"sentences":[{"text":"that's absolutely","start":1897.2,"end":1897.94,"sentiment":"neutral","sentiment_score":0.24683468788862228}],"sentiment":"neutral","sentiment_score":0.24683468788862228,"channel":0,"num_words":2,"start":1897.2,"end":1897.94},{"sentences":[{"text":"I might","start":1897.53,"end":1898.17,"sentiment":"neutral","sentiment_score":0.3008119612932205}],"sentiment":"neutral","sentiment_score":0.3008119612932205,"channel":1,"num_words":2,"start":1897.53,"end":1898.17},{"sentences":[{"text":"possible.","start":1898.3999,"end":1898.8999,"sentiment":"neutral","sentiment_score":0.28538960218429565}],"sentiment":"neutral","sentiment_score":0.28538960218429565,"channel":0,"num_words":1,"start":1898.3999,"end":1898.8999},{"sentences":[{"text":"yeah.","start":1898.41,"end":1898.5701,"sentiment":"neutral","sentiment_score":0.0994965359568596},{"text":"I might,","start":1898.5701,"end":1899.165,"sentiment":"neutral","sentiment_score":0.0741000659763813}],"sentiment":"neutral","sentiment_score":0.08256555596987407,"channel":1,"num_words":3,"start":1898.41,"end":1899.165},{"sentences":[{"text":"Yeah.","start":1899.575,"end":1900.075,"sentiment":"neutral","sentiment_score":0.0766398161649704}],"sentiment":"neutral","sentiment_score":0.0766398161649704,"channel":0,"num_words":1,"start":1899.575,"end":1900.075},{"sentences":[{"text":"yeah, I might have a I'll have her speak to her and say what she","start":1899.7251,"end":1902.525,"sentiment":"neutral","sentiment_score":0.05959281399846077}],"sentiment":"neutral","sentiment_score":0.05959281399846077,"channel":1,"num_words":15,"start":1899.7251,"end":1902.525},{"sentences":[{"text":"Yep.","start":1902.375,"end":1902.875,"sentiment":"neutral","sentiment_score":0.0677632987499237}],"sentiment":"neutral","sentiment_score":0.0677632987499237,"channel":0,"num_words":1,"start":1902.375,"end":1902.875},{"sentences":[{"text":"wants to do, but it's probably not a bad idea.","start":1902.525,"end":1904.9451,"sentiment":"neutral","sentiment_score":0.055393317341804506}],"sentiment":"neutral","sentiment_score":0.055393317341804506,"channel":1,"num_words":10,"start":1902.525,"end":1904.9451},{"sentences":[{"text":"Yeah.","start":1905.095,"end":1905.415,"sentiment":"neutral","sentiment_score":0.1849021464586258},{"text":"Absolutely.","start":1905.415,"end":1905.915,"sentiment":"positive","sentiment_score":0.334516316652298},{"text":"We can sort of make it up even if she wants to have a chat to us first, myself or Maddie look at what we do,","start":1906.295,"end":1911.095,"sentiment":"neutral","sentiment_score":0.2216323843369117}],"sentiment":"neutral","sentiment_score":0.22435215913823672,"channel":0,"num_words":28,"start":1905.095,"end":1911.095},{"sentences":[{"text":"Yep.","start":1910.925,"end":1911.18,"sentiment":"neutral","sentiment_score":0.2595621347427368}],"sentiment":"neutral","sentiment_score":0.2595621347427368,"channel":1,"num_words":1,"start":1910.925,"end":1911.18},{"sentences":[{"text":"how it works, what we can sort of help her with.","start":1911.095,"end":1913.515,"sentiment":"neutral","sentiment_score":0.30151675370606507},{"text":"We can work to, you know, work as slow or as fast as she sort of needs us to.","start":1913.84,"end":1918.58,"sentiment":"neutral","sentiment_score":0.15513118787815697},{"text":"But, yeah,","start":1918.88,"end":1919.36,"sentiment":"neutral","sentiment_score":0.1909792572259903}],"sentiment":"neutral","sentiment_score":0.20769173046573997,"channel":0,"num_words":32,"start":1911.095,"end":1919.36},{"sentences":[{"text":"Easy.","start":1919.18,"end":1919.68,"sentiment":"neutral","sentiment_score":0.26702848076820374}],"sentiment":"neutral","sentiment_score":0.26702848076820374,"channel":1,"num_words":1,"start":1919.18,"end":1919.68},{"sentences":[{"text":"have a chat to her and see if she wants to look at doing that.","start":1919.36,"end":1921.76,"sentiment":"neutral","sentiment_score":0.24148136576016743},{"text":"I'm more than happy to assist and help out in that","start":1921.76,"end":1924.08,"sentiment":"positive","sentiment_score":0.6489268053661693}],"sentiment":"positive","sentiment_score":0.413862128670399,"channel":0,"num_words":26,"start":1919.36,"end":1924.08},{"sentences":[{"text":"Okay.","start":1923.995,"end":1924.495,"sentiment":"positive","sentiment_score":0.34302371740341187}],"sentiment":"positive","sentiment_score":0.34302371740341187,"channel":1,"num_words":1,"start":1923.995,"end":1924.495},{"sentences":[{"text":"area.","start":1924.08,"end":1924.56,"sentiment":"positive","sentiment_score":0.3793269395828247},{"text":"So, yeah, not a problem at all.","start":1924.56,"end":1926.405,"sentiment":"positive","sentiment_score":0.3735517178262983}],"sentiment":"positive","sentiment_score":0.3742736205458641,"channel":0,"num_words":8,"start":1924.08,"end":1926.405},{"sentences":[{"text":"Easy done.","start":1926.955,"end":1927.855,"sentiment":"positive","sentiment_score":0.6551384627819061}],"sentiment":"positive","sentiment_score":0.6551384627819061,"channel":1,"num_words":2,"start":1926.955,"end":1927.855},{"sentences":[{"text":"Easy.","start":1928.3251,"end":1928.8251,"sentiment":"positive","sentiment_score":0.6845578551292419},{"text":"Beautiful.","start":1928.885,"end":1929.385,"sentiment":"positive","sentiment_score":0.782749354839325},{"text":"That's everything I needed to touch base on.","start":1930.245,"end":1932.485,"sentiment":"positive","sentiment_score":0.5756479278206825},{"text":"I don't wanna sort of take up too much of your time because you've got your beautiful son there, and you're in your bubble of","start":1932.485,"end":1937.525,"sentiment":"neutral","sentiment_score":0.09815856516361236}],"sentiment":"neutral","sentiment_score":0.24361299318926674,"channel":0,"num_words":35,"start":1928.3251,"end":1937.525},{"sentences":[{"text":"Yep.","start":1937.49,"end":1937.99,"sentiment":"neutral","sentiment_score":0.13474872708320618}],"sentiment":"neutral","sentiment_score":0.13474872708320618,"channel":1,"num_words":1,"start":1937.49,"end":1937.99},{"sentences":[{"text":"newborn.","start":1937.525,"end":1938.025,"sentiment":"neutral","sentiment_score":0.07694554328918457},{"text":"Did you wanna just take some time to have her read through that document?","start":1939.3,"end":1942.5,"sentiment":"neutral","sentiment_score":0.09410963992455176},{"text":"Like, come back and let me know if you have any questions, and I'll shoot you an email now as well so you've got my email in your inbox.","start":1942.5,"end":1948.2001,"sentiment":"neutral","sentiment_score":0.24259304101097173},{"text":"Okay.","start":1948.5801,"end":1949.0801,"sentiment":"neutral","sentiment_score":0.11627758294343948}],"sentiment":"neutral","sentiment_score":0.18991013943321175,"channel":0,"num_words":45,"start":1937.525,"end":1949.0801},{"sentences":[{"text":"Easy.","start":1948.85,"end":1949.35,"sentiment":"neutral","sentiment_score":0.15851230919361117},{"text":"No.","start":1949.49,"end":1949.8099,"sentiment":"neutral","sentiment_score":-0.1107580065727234},{"text":"Why is that all?","start":1949.8099,"end":1950.795,"sentiment":"neutral","sentiment_score":-0.07499299198389053}],"sentiment":"neutral","sentiment_score":-0.04203627755244573,"channel":1,"num_words":6,"start":1948.85,"end":1950.795},{"sentences":[{"text":"Beautiful.","start":1950.9951,"end":1951.4751,"sentiment":"positive","sentiment_score":0.6742807626724243},{"text":"Thank you so much for your time,","start":1951.4751,"end":1952.915,"sentiment":"positive","sentiment_score":0.7802261199269976}],"sentiment":"positive","sentiment_score":0.7669829502701759,"channel":0,"num_words":8,"start":1950.9951,"end":1952.915},{"sentences":[{"text":"Alright.","start":1952.7151,"end":1953.2151,"sentiment":"positive","sentiment_score":0.6531566381454468}],"sentiment":"positive","sentiment_score":0.6531566381454468,"channel":1,"num_words":1,"start":1952.7151,"end":1953.2151},{"sentences":[{"text":"Tyler.","start":1952.915,"end":1953.395,"sentiment":"positive","sentiment_score":0.4884856343269348}],"sentiment":"positive","sentiment_score":0.4884856343269348,"channel":0,"num_words":1,"start":1952.915,"end":1953.395},{"sentences":[{"text":"Well,","start":1953.275,"end":1953.775,"sentiment":"positive","sentiment_score":0.5789499282836914}],"sentiment":"positive","sentiment_score":0.5789499282836914,"channel":1,"num_words":1,"start":1953.275,"end":1953.775},{"sentences":[{"text":"I'm so","start":1953.395,"end":1954.1951,"sentiment":"positive","sentiment_score":0.745491236448288}],"sentiment":"positive","sentiment_score":0.745491236448288,"channel":0,"num_words":2,"start":1953.395,"end":1954.1951},{"sentences":[{"text":"thank","start":1953.995,"end":1954.495,"sentiment":"positive","sentiment_score":0.7813807129859924}],"sentiment":"positive","sentiment_score":0.7813807129859924,"channel":1,"num_words":1,"start":1953.995,"end":1954.495},{"sentences":[{"text":"excited for you guys.","start":1954.1951,"end":1955.5751,"sentiment":"positive","sentiment_score":0.8231575191020966}],"sentiment":"positive","sentiment_score":0.8231575191020966,"channel":0,"num_words":4,"start":1954.1951,"end":1955.5751},{"sentences":[{"text":"you.","start":1956.3151,"end":1956.7151,"sentiment":"positive","sentiment_score":0.5655925869941711},{"text":"Thank you kindly.","start":1956.7151,"end":1957.675,"sentiment":"positive","sentiment_score":0.6869646112124125},{"text":"Thanks for the call.","start":1957.675,"end":1958.8151,"sentiment":"positive","sentiment_score":0.7507752478122711}],"sentiment":"positive","sentiment_score":0.7036984264850616,"channel":1,"num_words":8,"start":1956.3151,"end":1958.8151},{"sentences":[{"text":"Alright.","start":1958.3551,"end":1958.8551,"sentiment":"positive","sentiment_score":0.3610230684280395},{"text":"Anytime.","start":1959.2351,"end":1959.7351,"sentiment":"neutral","sentiment_score":0.3313646912574768},{"text":"I'll let you go.","start":1959.875,"end":1960.5951,"sentiment":"positive","sentiment_score":0.5215897262096405},{"text":"You have an amazing day, and let me know if there's anything you need or any questions that you have in relation to that.","start":1960.5951,"end":1964.9951,"sentiment":"positive","sentiment_score":0.5925871481498083},{"text":"It doesn't matter what it","start":1964.9951,"end":1966.02,"sentiment":"neutral","sentiment_score":0.1717284470796585}],"sentiment":"positive","sentiment_score":0.5102708701576505,"channel":0,"num_words":35,"start":1958.3551,"end":1966.02},{"sentences":[{"text":"Alright.","start":1967.05,"end":1967.45,"sentiment":"neutral","sentiment_score":0.24075667560100555},{"text":"No worries at","start":1967.45,"end":1968.17,"sentiment":"neutral","sentiment_score":0.23579386870066324}],"sentiment":"neutral","sentiment_score":0.23703457042574883,"channel":1,"num_words":4,"start":1967.05,"end":1968.17},{"sentences":[{"text":"might","start":1968.1,"end":1968.6,"sentiment":"neutral","sentiment_score":0.2462712526321411}],"sentiment":"neutral","sentiment_score":0.2462712526321411,"channel":0,"num_words":1,"start":1968.1,"end":1968.6},{"sentences":[{"text":"all.","start":1968.17,"end":1968.49,"sentiment":"positive","sentiment_score":0.3418307900428772},{"text":"Appreciate","start":1968.49,"end":1968.89,"sentiment":"positive","sentiment_score":0.5870660543441772}],"sentiment":"positive","sentiment_score":0.4644484221935272,"channel":1,"num_words":2,"start":1968.17,"end":1968.89},{"sentences":[{"text":"be.","start":1968.6067,"end":1969.1067,"sentiment":"positive","sentiment_score":0.37430715560913086}],"sentiment":"positive","sentiment_score":0.37430715560913086,"channel":0,"num_words":1,"start":1968.6067,"end":1969.1067},{"sentences":[{"text":"it.","start":1968.89,"end":1969.39,"sentiment":"positive","sentiment_score":0.3828355669975281}],"sentiment":"positive","sentiment_score":0.3828355669975281,"channel":1,"num_words":1,"start":1968.89,"end":1969.39},{"sentences":[{"text":"Okay?","start":1969.1133,"end":1969.6133,"sentiment":"positive","sentiment_score":0.3483167290687561},{"text":"Wonderful.","start":1969.62,"end":1970.12,"sentiment":"positive","sentiment_score":0.7857860326766968},{"text":"Thank you so much for your time.","start":1970.18,"end":1971.54,"sentiment":"positive","sentiment_score":0.8334088836397443},{"text":"Have a good afternoon.","start":1971.54,"end":1972.52,"sentiment":"positive","sentiment_score":0.6873895227909088}],"sentiment":"positive","sentiment_score":0.7475017721836383,"channel":0,"num_words":13,"start":1969.1133,"end":1972.52},{"sentences":[{"text":"Alright.","start":1972.17,"end":1972.67,"sentiment":"positive","sentiment_score":0.3762535452842712},{"text":"You too.","start":1972.89,"end":1973.53,"sentiment":"positive","sentiment_score":0.36599305272102356},{"text":"See you.","start":1973.53,"end":1974.27,"sentiment":"positive","sentiment_score":0.38448700308799744}],"sentiment":"positive","sentiment_score":0.37544273138046264,"channel":1,"num_words":5,"start":1972.17,"end":1974.27},{"sentences":[{"text":"See you later.","start":1973.86,"end":1974.5801,"sentiment":"neutral","sentiment_score":0.31717513998349506},{"text":"Bye.","start":1974.5801,"end":1975.0801,"sentiment":"neutral","sentiment_score":0.18935756385326383}],"sentiment":"neutral","sentiment_score":0.28522074595093727,"channel":0,"num_words":4,"start":1973.86,"end":1975.0801},{"sentences":[{"text":"Bye bye.","start":1975.21,"end":1975.95,"sentiment":"neutral","sentiment_score":0.004518717527389519}],"sentiment":"neutral","sentiment_score":0.004518717527389519,"channel":1,"num_words":2,"start":1975.21,"end":1975.95}]},"summary":{"result":"success","short":"Representatives from OQ Financial provided advice documents and discussed the customer's health and financial situation. They addressed the advice document and provided information on the policy, including portfolio management and financial coverage. The speaker emphasized the importance of tracking the top 200 companies in the index and rebalancing the portfolio to avoid underperforming investments. They also discussed the benefits of policies and provided advice on updating policies and updating policies for the customer. The agent emphasized the importance of having a will and power of attorney for policyholders and offered assistance with updating policies and providing advice for the customer's insurance policy."},"intents":{"segments":[{"text":"Beautiful. And I'll do security day with you as well. Just get you to confirm your full name, your date of birth, and address I should have on file.","start_word":289,"end_word":317,"intents":[{"intent":"Confirm details","confidence_score":0.0040566367}]},{"text":"Well, I'll run through this document for you. I'll try to sorta hit the points that I absolutely have to. I'll give you some updates Yep. around it, and then you're welcome to read it through. Let me know if you do have any questions in the meantime.","start_word":568,"end_word":615,"intents":[{"intent":"Update documents","confidence_score":0.008057744}]},{"text":"Now the advice document has been prepared for yourself, Tyler Fuller, as of the March 18. We did finalize it yesterday for you. Prepared by myself, Dana Taylor. I'm an authorized representative under Oakview Financial, and my representative license number registered through ASIC is 1304394. Yes.","start_word":707,"end_word":752,"intents":[{"intent":"Finalize advice document","confidence_score":0.18368132}]},{"text":"I've looked at how to structure a child trauma policy for a 100,000 to make it cost effective for you because I know with your other insurance policy, you have just gone through renewals. So your policy has increased in cost a little bit there as well.","start_word":1003,"end_word":1049,"intents":[{"intent":"Structure policy","confidence_score":0.20668979}]},{"text":"So those policies are steps. I'll go through it with you as well, but, essentially, they are steps. They do increase in cost every year, so that's why it's important we do kinda review those with you to make sure the level of cover is what you're after so that you're Yep.","start_word":1066,"end_word":1117,"intents":[{"intent":"Review policy","confidence_score":0.006354616}]},{"text":"So out of pocket expenses do need to be considered. Okay? Yeah.","start_word":1133,"end_word":1144,"intents":[{"intent":"Consider out-of-pocket expenses","confidence_score":0.4845789}]},{"text":"One of your medium term goals is to purchase another property and turn your home into an investment, and you're also Yep. looking to do some renovations down the track as well. Yeah.","start_word":1167,"end_word":1199,"intents":[{"intent":"Turn property into investment","confidence_score":0.0025447442}]},{"text":"But if you needed any cash flow and budgeting or other advice, you let me know. You're an ongoing client, so I can certainly help you moving forward with other areas of advice. Okay? Sway.","start_word":1200,"end_word":1234,"intents":[{"intent":"Provide advice","confidence_score":0.2719531}]},{"text":"Now with the with your assets and liabilities, I have those noted in here for you at the current level that we sort of discussed in the annual review. If you find that there's any discrepancy or you would rather change those asset values, I know the mortgage can fluctuate with, you know, paying it down and interest coming out and things like that.","start_word":1237,"end_word":1300,"intents":[{"intent":"Update assets and liabilities","confidence_score":0.4158809}]},{"text":"I can make a note of any changes to your assets and liabilities that we do have noted in the advice document there as well. Okay?","start_word":1333,"end_word":1358,"intents":[{"intent":"Notify about changes to assets and liabilities","confidence_score":0.002148365}]},{"text":"Now with regard to the recommendations here, and you'll be able to go through these in a a fair bit of detail. I've added lots of advantages, disadvantages, risks involved, and alternatives that I've considered for you. But Yeah.","start_word":1679,"end_word":1717,"intents":[{"intent":"Discuss policies and recommendations","confidence_score":0.024312403}]},{"text":"we are removing Bannalong, it isn't a down point, so we are cementing the loss there. So I'm also recommending that we rebalance your portfolio as well just to make sure that, a, it's working properly, but then you're not overexposing yourself to risk.","start_word":1750,"end_word":1793,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.85533404},{"intent":"Rebalance portfolio","confidence_score":0.35562098},{"intent":"Rebalance portfolio","confidence_score":0.10987479}]},{"text":"We're seeing a loss by cementing it and removing it from your portfolio.","start_word":1804,"end_word":1816,"intents":[{"intent":"Reduce losses","confidence_score":0.0035493681}]},{"text":"We'll be buying into a bit of the Global Healthcare, so rebalancing that one for you, buying a bit more of the S and P 500 to rebalance it, buying a bit more of the Raffi Aussie 200 to rebalance that one as well, and then selling Yep.","start_word":1901,"end_word":1948,"intents":[{"intent":"Buy and sell etf","confidence_score":0.036849838},{"intent":"Buy raffi a200","confidence_score":0.000004198986}]},{"text":"The main sort of difference is the a 200 is more of a passively managed fund, so it tracks the top 200 companies in Australia and the index with regard to that.","start_word":1998,"end_word":2029,"intents":[{"intent":"Track a 200","confidence_score":0.019803073}]},{"text":"It's just tracking an index, and as such, the management fees are actually cheaper. It tracks the top 200 companies on the Australian A XF, so it's actually giving you a little bit more Australian exposure. You've got more companies to diversify your portfolio with, and having cheaper management fees provides a benefit to you.","start_word":2089,"end_word":2143,"intents":[{"intent":"Track and benchmark indices","confidence_score":0.00570001}]},{"text":"There's only a small portion of your portfolio in there. It's still a good investment, has performed really well in your portfolio, so we do wanna keep that in there and just rebalance that a little bit. Yep.","start_word":2397,"end_word":2434,"intents":[{"intent":"Rebalance portfolio","confidence_score":0.23589127}]},{"text":"So for the first year after making these changes, the total investment fees drop. So we end up saving you about a $121 for the first year in investment fees.","start_word":2802,"end_word":2831,"intents":[{"intent":"Expedite performance","confidence_score":0.0006539038}]},{"text":"It has showed a better a better performance in the past as well.","start_word":2839,"end_word":2851,"intents":[{"intent":"Explain market performance","confidence_score":0.056194715}]},{"text":"I do know projections are just projections, and they are you know, we're not expecting you to get this return on a regular basis.","start_word":2852,"end_word":2875,"intents":[{"intent":"Expect return","confidence_score":0.005850027}]},{"text":"But by moving into the recommended portfolio, I have to use the three year rolling average because bank hybrids haven't been around for five years to give me a five year rolling average. Yeah.","start_word":2876,"end_word":2909,"intents":[{"intent":"Use recommendations","confidence_score":0.002386873}]},{"text":"So I'll let you read through that one, and you can let me know if you have any additional questions or concerns or anything in relation to it. Okay?","start_word":3096,"end_word":3124,"intents":[{"intent":"Provide information","confidence_score":0.12635723}]},{"text":"So I'll let you read through that one, and you can let me know if you have any additional questions or concerns or anything in relation to it. Okay? Perfect.","start_word":3096,"end_word":3125,"intents":[{"intent":"Ask about questions","confidence_score":0.000021681033}]},{"text":"Now with the we are retaining your life, your TPD, your income protection inside Super there at the moment.","start_word":3126,"end_word":3144,"intents":[{"intent":"Remain life","confidence_score":0.0009381222}]},{"text":"I with regard to the the child trauma policy, now we are making a recommendation that you do apply for the child trauma policy, applying for a $100,000 of the child trauma with one path.","start_word":3284,"end_word":3318,"intents":[{"intent":"Recommend applying for a child trauma policy","confidence_score":0.025390176}]},{"text":"So I had a really good look at all the options out there with regards to the child trauma policy. Most Yep.","start_word":3319,"end_word":3340,"intents":[{"intent":"Analyze insurance options","confidence_score":0.00052771514}]},{"text":"of the insurers weren't willing to offer a stand alone policy, so we're applying for that with OnePath, and it will be linked to your current trauma and life policy, which is great. Your Yeah.","start_word":3341,"end_word":3375,"intents":[{"intent":"Recommend using a stand alone policy","confidence_score":0.000015955033}]},{"text":"only other provider as an alternative that was willing to offer a standard a stand alone trauma policy for children I was tau, but their policy came out a little bit more expensive. It was a bit over $13 on a monthly basis. So in the interest of making sure it's more cost effective, it went with a cheaper policy, which is one pass.","start_word":3499,"end_word":3562,"intents":[{"intent":"Highlight cost effectiveness of a stand alone policy","confidence_score":0.0068501793}]},{"text":"Linking it to your current policies means that you keep everything together. Yep.","start_word":3564,"end_word":3576,"intents":[{"intent":"Link policy to policies","confidence_score":0.07318017}]},{"text":"But when it comes to the policy, so one path cover up to 51 different traumatic conditions for child trauma. It accounts for blindness.","start_word":3912,"end_word":3935,"intents":[{"intent":"Provide policy information","confidence_score":0.0219675}]},{"text":"They cover if you have to travel for more than a 100 kilometers, so sometimes we might need to travel, you know, out out of state or Yes. into other areas to see certain specialists depending on what the Yeah. diagnosis is. After this after he turns age 21, the policy can be converted to a life with attached trauma policy.","start_word":4245,"end_word":4305,"intents":[{"intent":"Promote policy coverage","confidence_score":0.0059874062}]},{"text":"That's that's No. all pretty well. Like, that coming out pretty cost Yeah. effective.","start_word":4733,"end_word":4746,"intents":[{"intent":"Evaluate policy effectiveness","confidence_score":0.14910789}]},{"text":"having your second child now with your life changing, having your will drawn up is really important. So I've added that in there that we are recommending you do have a will and power of attorney, just making sure everything is in line with your wishes. Yeah.","start_word":5036,"end_word":5082,"intents":[{"intent":"Recommend will and power of attorney","confidence_score":0.52288175},{"intent":"Organize will and power of attorney remuneration","confidence_score":2.2067953e-8}]},{"text":"And the remuneration is just another aspect we like to disclose. It has no Yeah. effect on my recommendations in any way, shape, or form. Daisy.","start_word":5381,"end_word":5406,"intents":[{"intent":"Clarify policy details","confidence_score":0.111321084}]},{"text":"But I will let you go and have a bit of a read through that, take it in. If there's anything that you had questions on wanting me to update or clarify, please let me know. Wanna make sure that, obviously, you're looked after, that we're providing the value of our services, and that we're here to help you and to meet all of your goals.","start_word":5699,"end_word":5764,"intents":[{"intent":"Ensuring understanding","confidence_score":0.000086094726}]},{"text":"If there's anything that you had questions on wanting me to update or clarify, please let me know.","start_word":5717,"end_word":5734,"intents":[{"intent":"Update or clarify","confidence_score":0.31604448}]},{"text":"If you decide to take on all of that, how implementation should go is you sign the document, you send it back to us. We'll start by the investment switch, and then we'll book you in with our admin team start to go through the application for the child trauma policy, have it submitted off, Yep. and organized for that to be linked to the other policies to make it nice and easy.","start_word":5779,"end_word":5851,"intents":[{"intent":"Assist with implementation","confidence_score":0.026599437}]},{"text":"is if I was to could I add a policy for Rhiannon?","start_word":5866,"end_word":5877,"intents":[{"intent":"Adding policy to rhiannon","confidence_score":0.0020331112}]},{"text":"is if I was to could I add a policy for Rhiannon? Mhmm.","start_word":5866,"end_word":5878,"intents":[{"intent":"Asking about policy options","confidence_score":0.00089563814}]},{"text":"can absolutely look at those sorts of options for her if she would like to.","start_word":6068,"end_word":6082,"intents":[{"intent":"Discuss insurance options","confidence_score":0.027690807}]}]},"sentiments":{"segments":[{"text":"Hello? Hi, Tyler. It's Dana from OQ Financial. How are you today?","start_word":0,"end_word":11,"sentiment":"neutral","sentiment_score":0.1550285667181015},{"text":"Good, Dana. How are you? I'm very well. Thank you.","start_word":12,"end_word":21,"sentiment":"positive","sentiment_score":0.5218037366867065},{"text":"I had you booked in to run through your updated advice document. Is now a good Yep. time for you? Yep. Yeah. Of course. Yep.","start_word":22,"end_word":46,"sentiment":"neutral","sentiment_score":0.23796243965625763},{"text":"Perfect. How is everything going? Would very good.","start_word":47,"end_word":54,"sentiment":"positive","sentiment_score":0.42793336510658264},{"text":"Yeah. What's been happening? Yeah. Our our son arrived two weeks. Is it two weeks? A week and a bit ago now.","start_word":55,"end_word":76,"sentiment":"neutral","sentiment_score":0.08318797498941422},{"text":"Congratulations.","start_word":77,"end_word":77,"sentiment":"positive","sentiment_score":0.4375399649143219},{"text":"So Oh, thanks. a little So boy. That is yes. beaut I know you were waiting. It was, like, coming, so that's Yeah.","start_word":78,"end_word":100,"sentiment":"neutral","sentiment_score":0.22819764912128448},{"text":"fantastic. I'm so excited.","start_word":101,"end_word":104,"sentiment":"positive","sentiment_score":0.7064267992973328},{"text":"Oh, So that's all happened now. So, Yep.","start_word":105,"end_word":112,"sentiment":"neutral","sentiment_score":0.26595908403396606},{"text":"Beautiful. Oh, yeah. that's amazing.","start_word":113,"end_word":117,"sentiment":"positive","sentiment_score":0.4979262351989746},{"text":"And how's everyone settling into It's having two kids? pretty wild. It's very wild. Big change. Yeah. No. Bit That's perfect. sleep deprived, a bit of this, bit of that. I understand that. Yeah. Definitely. Yeah. But it's still a beautiful time, though, isn't it? Like, you don't That's get those moments back. Yeah. no. That's exactly right. Oh, fantastic. Tyler, Yeah. I do wanna send the email through so you've got the advice document in front of you. Do you have access to your emails there at the moment? Yep. Yep. Perfect. I'll just press send on that one for you. Beautiful. So sorry. I'm losing my voice a little bit this morning. So if I stop and pause or clear my throat, I do apologize in advance. No. That's alright. No. What's Yeah. I've just sent that one through. Now moving forward, we do record our calls for quality and training purposes. Are you happy for me to proceed with that through the rest of the call? Yeah. Yep. Beautiful. And I'll do security day with you as well. Just get you to confirm your full name, your date of birth, and address I should have on file. Tyler Steven Follett. The twentieth of the third nineteen ninety three and eighteen slash twenty four Caddington Place, Helensvale.","start_word":118,"end_word":336,"sentiment":"neutral","sentiment_score":0.04381669738827503},{"text":"Perfect. Thank you so much for that. Now the email should come through fairly quickly.","start_word":337,"end_word":351,"sentiment":"positive","sentiment_score":0.7072734832763672},{"text":"I'm just opening it back up on my end. Although technology doesn't always like this, so we'll see how it My my emails are browsing for some reason. I've seen that pop up on circles. See if I can goes. You're right. It's because I got one bar once. Mhmm. Oh, that's okay. If you can't look at it, I can always just run through it for you, and then you're welcome to review it later and let me know if you have any questions because I do want Yeah. you to make through it as well. What would you like me to sort of do? Did you wanna open it Yep. first, or did you want me just to run through it? No. Just run through it, and then we can Yep. and then I can review it. Yeah.","start_word":352,"end_word":491,"sentiment":"neutral","sentiment_score":0.08479773998260498},{"text":"Perfect.","start_word":492,"end_word":492,"sentiment":"positive","sentiment_score":0.3977256417274475},{"text":"When you got some time later, lay down with Yeah. Bob, have a bit of a read while you're nursing Bob. Sounds good. Yeah. Yeah. It takes a free time when I'm at home. That's for sure. Absolutely. Although it's different free time, isn't it? It's like you're Yeah. sitting around doing nothing, but you're, you know, focused on what you're doing at the time with Bobby. So yeah. Yeah. That's exactly right.","start_word":493,"end_word":565,"sentiment":"neutral","sentiment_score":0.0846717581152916},{"text":"Beautiful. Beautiful.","start_word":566,"end_word":567,"sentiment":"positive","sentiment_score":0.5693915486335754},{"text":"Well, I'll run through this document for you. I'll try to sorta hit the points that I absolutely have to. I'll give you some updates Yep. around it, and then you're welcome to read it through. Let me know if you do have any questions in the meantime. I don't work Fridays because it is my day with my son. However, I will be on my emails tomorrow because I have a lot of phonics to write. So if you do happen Yep. to have any questions, you are welcome to email me, and I'll email you after the call. That way, you've kinda got my email there. And Okay. you're welcome to email me with any questions or else and I can always make time to follow-up as well. Okay? Yeah.","start_word":568,"end_word":699,"sentiment":"neutral","sentiment_score":0.12747035463425246},{"text":"Not a problem at all. Beautiful. Easy.","start_word":700,"end_word":706,"sentiment":"positive","sentiment_score":0.5240769386291504},{"text":"Now the advice document has been prepared for yourself, Tyler Fuller, as of the March 18. We did finalize it yesterday for you. Prepared by myself, Dana Taylor. I'm an authorized representative under Oakview Financial, and my representative license number registered through ASIC is 1304394. Yes.","start_word":707,"end_word":752,"sentiment":"neutral","sentiment_score":0.15565955638885498},{"text":"The advice has been provided in best interest, making sure we're here to meet your goals.","start_word":753,"end_word":768,"sentiment":"positive","sentiment_score":0.4003500044345856},{"text":"The advice will need to be updated moving forward there as well. And I do know your birthday is tomorrow, so happy birthday for tomorrow.","start_word":769,"end_word":793,"sentiment":"neutral","sentiment_score":0.2218394875526428},{"text":"Thank you, Connolly.","start_word":794,"end_word":796,"sentiment":"positive","sentiment_score":0.457622230052948},{"text":"That's when you're, I hope. like, oh, you can email me tomorrow. I was thinking in my head that I probably won't. That's okay. I just don't want anyone to ever think that they're not able to contact me on Fridays. I Yeah. do work Of Monday course. to Thursday and work longer hours, so I get Friday with my son. But most Yeah. Fridays, I gotcha. I'm on my email. You can ask Maddie. I'm always on my email sort of doing something anyway, but I never want anyone to feel like they can't contact me. But I hope Yeah.","start_word":797,"end_word":897,"sentiment":"neutral","sentiment_score":-0.023654663935303688},{"text":"you just enjoy your birthday and hopefully go I out for will.","start_word":898,"end_word":909,"sentiment":"positive","sentiment_score":0.33795472979545593},{"text":"dinner or do something fun. I will. I got the dials, so that's a plus.","start_word":910,"end_word":924,"sentiment":"neutral","sentiment_score":0.16094231605529785},{"text":"Fantastic. Fantastic.","start_word":925,"end_word":926,"sentiment":"positive","sentiment_score":0.5350711345672607},{"text":"With the scope of the advice, we have scoped in superannuation. So when we sort of touched base last time to do your review, there were some underperforming assets. I wanted to have those removed. So I've looked at how Yep. to adjust the portfolio to make sure they are removed and keep you on track to meeting your goal. Yeah. We also looked at the child trauma policy. So Oscar Mhmm. is now two. I've looked at how to structure a child trauma policy for a 100,000 to make it cost effective for you because I know with your other insurance policy, you have just gone through renewals. So your policy has increased in cost a little bit there as well. You're paying a bit Yeah. more out of pocket now. Yeah. I was saying that. Yep. Yeah. So those policies are steps. I'll go through it with you as well, but, essentially, they are steps. They do increase in cost every year, so that's why it's important we do kinda review those with you to make sure the level of cover is what you're after so that you're Yep. not paying too much as well because now having two kids expenditure does go up. So out of pocket expenses do need to be considered. Okay? Yeah. Yep. Scraping out of the advice, so we're not looking at any personal investment or cash flow and budgeting at the moment. One of your medium term goals is to purchase another property and turn your home into an investment, and you're also Yep. looking to do some renovations down the track as well. Yeah. But if you needed any cash flow and budgeting or other advice, you let me know. You're an ongoing client, so I can certainly help you moving forward with other areas of advice. Okay? Sway. Yeah.","start_word":927,"end_word":1235,"sentiment":"neutral","sentiment_score":0.0012993449254811388},{"text":"Perfect.","start_word":1236,"end_word":1236,"sentiment":"positive","sentiment_score":0.35675865411758423},{"text":"Now with the with your assets and liabilities, I have those noted in here for you at the current level that we sort of discussed in the annual review. If you find that there's any discrepancy or you would rather change those asset values, I know the mortgage can fluctuate with, you know, paying it down and interest coming out and things like that. The assets and liabilities don't have an effect on the advice that we're providing. However, if you would like me to update those in the back end, you can let me know. I can make a note of any changes to your assets and liabilities that we do have noted in the advice document there as well. Okay? Okay. No worries.","start_word":1237,"end_word":1361,"sentiment":"neutral","sentiment_score":0.06206249073147774},{"text":"Perfect.","start_word":1362,"end_word":1362,"sentiment":"positive","sentiment_score":0.3734189867973328},{"text":"Now as of the time we provided the advice document, the balance in super was about 82,297 and 27<unk>, and you do Yep. have your one pass policy. So out of super, you are paying for life, TPD, and income protection. You have 1,000,050 of life and TBD, and then an income protection policy providing a monthly, before income tax benefit of 5,544. You have a thirty Yep. day waiting period and a six year benefit period on that one. And then you've also got your one pass policy, which has just gone through renewal there. The total yearly premium for this is $435.60 out of pocket, and you're actually covered Yeah. for now a $105,000 of life and trauma cover for yourself. These are paid outside of super. They are all stepped premiums. So both your policies inside super and outside super will increase in cost Yeah. as you get older as the risk of you making a claim increases. However, Yeah. they are also CPI linked. So it does mean that the sum insured is gonna keep increasing as well because we know the buying capacity is eaten away on a dollar, a $100 this year isn't worth a $100 next year. Insurance Yeah. policies are linked to CPI. So as much as you're paying a little bit more for the policies, they do increase in value as well. So if you Yes. were to Correct. claim on trauma, you can claim a 105,000 instead of the initial 100,000 that you did have there. But, well, I'll review them with you. If you start getting too expensive, we can look at the amounts, and part of your Yep. annual review will also reevaluate the levels of cover, and we can always adjust them to keep them cost effective and make sure it's working to you at the same time. Okay? Yeah. Righty o.","start_word":1363,"end_word":1677,"sentiment":"neutral","sentiment_score":-0.0017073808563134029},{"text":"Perfect.","start_word":1678,"end_word":1678,"sentiment":"positive","sentiment_score":0.5536994934082031},{"text":"Now with regard to the recommendations here, and you'll be able to go through these in a a fair bit of detail. I've added lots of advantages, disadvantages, risks involved, and alternatives that I've considered for you. But Yeah. with regard to the super and the recommendations, now Bannalong was the investment that was underperforming, so we have made a recommendation to remove that completely from your portfolio. Because Yes.","start_word":1679,"end_word":1748,"sentiment":"neutral","sentiment_score":-0.06062724813818931},{"text":"we are removing Bannalong, it isn't a down point, so we are cementing the loss there.","start_word":1749,"end_word":1764,"sentiment":"negative","sentiment_score":-0.40199264883995056},{"text":"So I'm also recommending that we rebalance your portfolio as well just to make sure that, a, it's working properly, but then you're not overexposing yourself to risk. So we're taking advantage of the fact that Bannalong is down. We're seeing a loss by cementing it and removing it from your portfolio. So we can offset any other capital gains that the other investments might have foreseen and try to Yeah.","start_word":1765,"end_word":1835,"sentiment":"neutral","sentiment_score":-0.025111865252256393},{"text":"rebalance at the same time, which is a benefit for you.","start_word":1836,"end_word":1846,"sentiment":"positive","sentiment_score":0.471201628446579},{"text":"Okay? Yeah. Okay. So what we're gonna be doing is we're rebalancing the cyber security and the India quality ETF. You'll have 7% in there. We're gonna sell about 393 of cyber security, a $118 of India quality ETF just to bring you back to the level you should be in a rebalance set. We'll be buying into a bit of the Global Healthcare, so rebalancing that one for you, buying a bit more of the S and P 500 to rebalance it, buying a bit more of the Raffi Aussie 200 to rebalance that one as well, and then selling Yep. all of the Van Alung to get rid of that underperforming investment. We are replacing Van Along with the BetaShares a 200, which you'll see in here. Essentially, it is still giving you exposure to the top 200 companies in Australia. It's still giving you the Australian equity exposure. The main sort of difference is the a 200 is more of a passively managed fund, so it tracks the top 200 companies in Australia and the index with regard to that. One of the benefits of having the a two hundred over Bennelong is Bennelong was meant to be more of an actively managed component, but they don't haven't really been very actively managing their portfolio. And as such, Yeah.","start_word":1847,"end_word":2068,"sentiment":"neutral","sentiment_score":0.04932427033782005},{"text":"they've been underperforming with their investments not working within the fund there. The a two hundred isn't actively managed.","start_word":2069,"end_word":2087,"sentiment":"negative","sentiment_score":-0.38398709893226624},{"text":"It's just tracking an index, and as such, the management fees are actually cheaper. It tracks the top 200 companies on the Australian A XF, so it's actually giving you a little bit more Australian exposure. You've got more companies to diversify your portfolio with, and having cheaper management fees provides a benefit to you. With the a 200, similar to the S and P 500, having exposure to these indexes is great because there's a certain criteria that the companies have to meet to be in these indexes, and the beta shares a 200 and the beta sorry.","start_word":2088,"end_word":2186,"sentiment":"positive","sentiment_score":0.3956703245639801},{"text":"The s iShares S and P 500, they track those indices. So if companies within the indices don't meet a criteria to be in the top 200 on the a 200 or in the S and P 500, they're actually removed and replaced with other companies. So you are always tracking the movement of the top 200 with the a 200 and the top 500 with the S and P 500 there. So it provides Yep.","start_word":2187,"end_word":2262,"sentiment":"neutral","sentiment_score":0.0927482172846794},{"text":"a benefit.","start_word":2263,"end_word":2264,"sentiment":"positive","sentiment_score":0.42633694410324097},{"text":"You're not having to try and outperform the market. You're tracking in indices, and the indices is always working, always tracking the top companies. So you're not, you know, Yeah. not following underperforming investments in those sorts of ways, if that makes Gotcha. sense. Okay? Yeah. Yeah. Perfect. So we'll have the a 200 in there instead of that along, which is great. We're still gonna hold the JPMorgan Global Research Enhanced Equity Fund. Again, it's just sort of giving you a bit of exposure to JPMorgan's great for a research house, and that investment is about 15% actively managed. It's about making sure they're sort of looking to track up and coming areas as well as growth and investments that have a great track record. So utilizing them is Yeah.","start_word":2265,"end_word":2395,"sentiment":"neutral","sentiment_score":0.18773867189884183},{"text":"great.","start_word":2396,"end_word":2396,"sentiment":"positive","sentiment_score":0.5458304286003113},{"text":"There's only a small portion of your portfolio in there.","start_word":2397,"end_word":2406,"sentiment":"neutral","sentiment_score":0.27183935046195984},{"text":"It's still a good investment, has performed really well in your portfolio, so we do wanna keep that in there and just rebalance that a little bit.","start_word":2407,"end_word":2433,"sentiment":"positive","sentiment_score":0.4461994171142578},{"text":"Yep. Physical gold, we are buying a bit more physical gold. You're a bit underweighted at the moment, and physical gold has been fantastic.","start_word":2434,"end_word":2457,"sentiment":"neutral","sentiment_score":0.10322992131114006},{"text":"So we'll buy a bit more of that and keep you waiting correct.","start_word":2458,"end_word":2470,"sentiment":"positive","sentiment_score":0.34921374917030334},{"text":"We are also getting rid of the bank hybrids. Now as they kinda went through, the government is phasing those out in the future. So we're taking the advantage to remove those now whilst we are rebalancing and getting rid of Bennelong. The losses Yeah. Bennelong has seen will help to offset some of the gains. So removing the bank hybrids and then moving the money into the core composite bonds, doing it now as opposed to waiting to when we have to down the track. Because you're younger means that rebalancing obviously the portfolio now, we make those changes, and then you've got a really good time horizon to allow your portfolio to recover and to continue growing out from that, and we'll keep monitoring it for you. Does that make Yeah. sense? Yep. It Yep. does.","start_word":2471,"end_word":2608,"sentiment":"neutral","sentiment_score":0.06356462836265564},{"text":"Perfect.","start_word":2609,"end_word":2609,"sentiment":"positive","sentiment_score":0.4954460561275482},{"text":"I do have the best interest duty in here for you that notes this recommendation is in your best interest. I did look at Hub twenty four as a fund. I'm retaining that because Hub twenty four is still great. It actually works Mhmm. out less in best interest to move to another super fund when we're only altering some of the investments. So we only realistically have to sell some of the investments and rebalance others. Instead, if we moved you to another fund, we'd be fully selling everything down. The CDT effect would be greater. As it is, when I looked at the research, the CDT effect on your super fund is actually zero. So because Van Along Yeah. is quite heavily down at the moment, by making all these changes to your portfolio, we're actually offsetting all of the capital gains. So your super fund will have no CGT effect, which is a benefit for you as well. Okay. Yeah.","start_word":2610,"end_word":2772,"sentiment":"neutral","sentiment_score":0.0786721408367157},{"text":"Sweet. Perfect.","start_word":2773,"end_word":2774,"sentiment":"positive","sentiment_score":0.398239940404892},{"text":"Because we are remaining in hub twenty four, the administration fees do stay the same. There's no change there, but the underlying investment fee actually reduces. So for the first year after making these changes, the total investment fees drop.","start_word":2775,"end_word":2814,"sentiment":"neutral","sentiment_score":0.2138780403882265},{"text":"So we end up saving you about a $121 for the first year in investment fees.","start_word":2815,"end_word":2830,"sentiment":"positive","sentiment_score":0.4677276611328125},{"text":"So, again, fees drop, changes to your portfolio.","start_word":2831,"end_word":2838,"sentiment":"neutral","sentiment_score":0.3316308557987213},{"text":"It has showed a better a better performance in the past as well.","start_word":2839,"end_word":2851,"sentiment":"positive","sentiment_score":0.6097074151039124},{"text":"I do know projections are just projections, and they are you know, we're not expecting you to get this return on a regular basis. But by moving into the recommended portfolio, I have to use the three year rolling average because bank hybrids haven't been around for five years to give me a five year rolling average. Yeah. But the newer portfolio over the past three years has averaged about 16.83%. I know with the volatility and the the changes in the market that we are seeing at the moment, I definitely don't expect you to get 16% from now over the next ten years.","start_word":2852,"end_word":2956,"sentiment":"neutral","sentiment_score":-0.02016265504062176},{"text":"But if the market performs really well and you can average that kind of return, which is greater than what your current portfolio average has been, we can see a greater future performance, and we can estimate you to be at about $35,000 better off over the next ten years, which would be great if we can do that for you.","start_word":2957,"end_word":3017,"sentiment":"positive","sentiment_score":0.3815898001194},{"text":"Okay? Yeah. Of course. Yeah.","start_word":3018,"end_word":3022,"sentiment":"neutral","sentiment_score":0.07878180593252182},{"text":"Beautiful.","start_word":3023,"end_word":3023,"sentiment":"positive","sentiment_score":0.4104190468788147},{"text":"I'll let you run your eyes over that one. I don't wanna throw too many numbers at you and make it too confusing. The thing I hate about not having you see the document is I don't wanna sort of talk at you at all. I kinda wanna just make sure I'm giving you what you need, but not throwing too much confusing numbers and whatnot Yeah. at you. No. I understand. So I'll let you read through that one, and you can let me know if you have any additional questions or concerns or anything in relation to it. Okay?","start_word":3024,"end_word":3124,"sentiment":"neutral","sentiment_score":-0.012004932388663292},{"text":"Perfect.","start_word":3125,"end_word":3125,"sentiment":"positive","sentiment_score":0.3567282557487488},{"text":"Now with the we are retaining your life, your TPD, your income protection inside Super there at the moment. There's no major changes to that. This, whilst we're not making any changes, has been scoped into a limited scope to the advice. A limited scope simply means that we know we're not making a recommendation on this product. However, there is an effect on any other recommendations that we are making. So because your life, TPD, and income protection are paid out of super, having it scoped into a limited extent just makes sure that you're aware you are paying for those premiums out of super, and so we have to account for that as part of the overall projection and looking at the fees and the effect on your super. So that's why it's limited scope in there, and I've got a little blurb that explains that to you as well. Okay? Skype out loud.","start_word":3126,"end_word":3281,"sentiment":"neutral","sentiment_score":-0.06259479125340779},{"text":"Perfect.","start_word":3282,"end_word":3282,"sentiment":"positive","sentiment_score":0.5411791205406189},{"text":"Okay. I with regard to the the child trauma policy, now we are making a recommendation that you do apply for the child trauma policy, applying for a $100,000 of the child trauma with one path. So I had a really good look at all the options out there with regards to the child trauma policy. Most Yep. of the insurers weren't willing to offer a stand alone policy, so we're applying for that with OnePath, and it will be linked to your current trauma and life policy, which is great. Your Yeah. current premium on a monthly basis, this is with the increase as it's just gone through renewal, is $36.30 on a monthly basis. By adding a child Yep. trauma policy in there for Oscar, it goes up by $12 on a monthly basis. So you end up paying about $48.67 per month for all three policies outside of pocket. Okay? Okay. And that's indexed too. So as his It life is. goes on and gets yeah. Okay. Yep. Yeah. Perfect. Yeah. It is a set policy, so it will continue to get more expensive, but we are able to link this to the other policies. So it does make it cheaper to link and add the policy in there for you. The Yeah. only other provider as an alternative that was willing to offer a standard a stand alone trauma policy for children I was tau, but their policy came out a little bit more expensive. It was a bit over $13 on a monthly basis. So in the interest of making sure it's more cost effective, it went with a cheaper policy, which is one pass.","start_word":3283,"end_word":3562,"sentiment":"neutral","sentiment_score":0.021085917949676514},{"text":"Linking it to your current policies means that you keep everything together.","start_word":3563,"end_word":3574,"sentiment":"positive","sentiment_score":0.40622133016586304},{"text":"Yep. And I've even got a copy of the I had a look at the application form. There's only a couple of questions. They do ask a few questions about family history, but they're mainly just asking to make sure that Oscar hasn't had any major traumatic diagnosis since he was Yeah. born. And there's no real major underwriting to it, which is really important. Yeah. As an alternative, I did also go and have a look at structuring it, looking at life trauma and child trauma as a combined with other providers, but it honestly does work out cheaper to stay with OnePath.","start_word":3575,"end_word":3678,"sentiment":"neutral","sentiment_score":0.12609173357486725},{"text":"You've got the multi policy discount there. OnePath is still the best provider, and linking it to your currently current policy made it more cost effective for you.","start_word":3679,"end_word":3706,"sentiment":"positive","sentiment_score":0.4291340410709381},{"text":"So that's the So recommendation it's better to for that it one. is Yeah. it is better to do it now because he has no underwriting. Right? Because he's Yeah. well, he's Yep. he's too he's he hasn't been in had any conditions. Let's put it that way. Yeah. Absolutely. Yeah. It is always better Yeah. to get the policies earlier than it is later. Yeah. I mean, he's he's nice and healthy, and you look great, and he should not have anything over the next couple of years. However, if anything did arise making, you know even on child policy, if something did arise down the track, it can make the policies more expensive. You can have exclusions like what you've got at the moment. So No. Sure. doing that now Yep. is much better for him. Yeah. The benefits of having a policy is we can link it to your one pass. It is more cost effective for you.","start_word":3707,"end_word":3867,"sentiment":"neutral","sentiment_score":0.02768729440867901},{"text":"But Yeah. I had a really good look at what one pass offer, and it's actually really cool.","start_word":3868,"end_word":3885,"sentiment":"positive","sentiment_score":0.6115961074829102},{"text":"So I've got all of that noted here for you, and I've also got the PDF attached in case you like enjoying reading through those. But when it comes to the policy, so one path cover up to 51 different traumatic conditions for child trauma. It accounts for blindness. Some of them are benign brain tumors, blindness, plastic anemia, benign spinal tumors. We've got brain damage, burns, severe cancer, cardiomyopathy, deafness. There's a couple I can't pronounce there, and certain head traumas as well that are permanent and irreversible. Kidney Yep. failure, loss of speech, permanent paralysis, and loss of a limb, mening meningococcal, meningitis meningitis I'm sorry. I'm not a doctor. I don't do No. well That's with alright. these big Neither words. am I. It makes sense anyway. Terminal illnesses, stroke, and organ transplant. The policy will have a ninety day qualifying period on it. So, essentially, it just means that for the first ninety days, there are limitations on what can be claimed, but after the first ninety days, everything is fine. It's just sort Yeah. of making sure that you're not not trying to claim on anything that you maybe think you might have within the first ninety days. Sort of the same with life insurance. They normally don't cover they normally, for the thirteen first thirteen months, don't cover suicide on life cover. You've gotta kinda have the policy Yeah. for the first year before they'll cover that. So it Yeah. does work out the same with the child trauma policy there for you. But after the first ninety days, you are fully covered for everything. Yeah.","start_word":3886,"end_word":4157,"sentiment":"neutral","sentiment_score":-0.020744394880774265},{"text":"Some other really good advantages of the policy are that it has the accommodation benefit there as well.","start_word":4158,"end_word":4175,"sentiment":"positive","sentiment_score":0.45174890756607056},{"text":"So, essentially, if something was to happen to Tyler sorry. If something was to happen to Oscar, I do apologize. That's okay. And he was bedridden, and, you know, if family members you guys had to travel or be somewhere, they do pay out the accommodation benefit, which is a certain amount that helps to cover and cover the cost of accommodation for a certain period of time. They cover if you have to travel for more than a 100 kilometers, so sometimes we might need to travel, you know, out out of state or Yes. into other areas to see certain specialists depending on what the Yeah. diagnosis is. After this after he turns age 21, the policy can be converted to a life with attached trauma policy. There's no additional underwriting for that. And, essentially, Oscar then becomes the policy holder of that policy.","start_word":4176,"end_word":4321,"sentiment":"neutral","sentiment_score":0.11002021976937988},{"text":"And because he's held at the time, it automatically transfers, and he just keeps paying the premium for it, which is kinda Yep. cool.","start_word":4322,"end_word":4345,"sentiment":"positive","sentiment_score":0.3800737261772156},{"text":"Yep.","start_word":4346,"end_word":4346,"sentiment":"neutral","sentiment_score":0.2751315236091614},{"text":"The other side of the policy, which I think is really awesome, is that if anything was to happen to you, we hope nothing ever does. But because you are Cool.","start_word":4347,"end_word":4377,"sentiment":"positive","sentiment_score":0.3594222962856293},{"text":"the policy owner of these policies, if something happened to you, if you were to pass away, your life cover was fully paid out, the policy then becomes a standalone child trauma policy. So long Yeah. as he is over 10 years of age and your wife provides consent, he can then continue to hold the policy. If he's Yeah. 10, it still stays as a a stand alone policy, but it just means that your wife looks after it for him. But it means Yeah. that if you pass away, if something happens to yourself and the life cover paid out, the policy can remain for him so he does get that benefit long term. Okay? Yeah. Gotcha. Yep. Yeah. The risks involved with having, obviously, with all insurances, there is the bigger risk that if you have these policies and that you never actually claim on them and we get rid of them at some point or they just get to expiry age, the biggest risk is you could have them never have to claim. That's also the biggest benefit of the policies because as much as having the policies and having the money paid at is a good thing in the event of a claim, it also means that we've lost something.","start_word":4378,"end_word":4592,"sentiment":"neutral","sentiment_score":0.04042251035571098},{"text":"There's some sort of negative, experience.","start_word":4593,"end_word":4598,"sentiment":"negative","sentiment_score":-0.38056907057762146},{"text":"We've had some sort of a loss to be able Yep. to make that claim. So it Yeah. is a benefit Yeah. and a risk of having these sorts of policies. Okay?","start_word":4599,"end_word":4630,"sentiment":"neutral","sentiment_score":-0.18526828987523913},{"text":"Yeah. Beautiful.","start_word":4631,"end_word":4632,"sentiment":"positive","sentiment_score":0.538263738155365},{"text":"As I mentioned, I did look at alternative options. That, I looked at standalone policies. I also looked at the life trauma and linking child trauma with other options. However, this was the best way to go. It's much easier for yourself and if your policy is already enforced, you don't wanna have to Yeah. go through underwriting again, and the policy can just be added there.","start_word":4633,"end_word":4699,"sentiment":"neutral","sentiment_score":0.21601521968841553},{"text":"It's nice and cost effective, which is important as well.","start_word":4700,"end_word":4709,"sentiment":"positive","sentiment_score":0.6241106390953064},{"text":"Okay. Yeah. Yeah. Do True. you have any questions so far? Is there anything you wanted me to touch further on? No. No. That's that's No. all pretty well. Like, that coming out pretty cost Yeah. effective. I mean, nothing Yeah. that's that's nothing really. I do I mean, Yeah. I do it do it for him. And then when the new boy's he's two, I'll do the same. Yep. And then, yeah, I'll just keep adding adding on Absolutely. to mine. Absolutely.","start_word":4710,"end_word":4792,"sentiment":"neutral","sentiment_score":0.027046192437410355},{"text":"Absolutely. It's a great policy. It's nice and cost effective.","start_word":4793,"end_word":4802,"sentiment":"positive","sentiment_score":0.6958157420158386},{"text":"And even, like, before your your second son turns two, let's look at it closer too because worst case, we can always update the advice as your policies would have gone through a few renewals. So we might have to alter the amounts there, look at what they're costing, and see what your expenditure Yeah. allows for. So, Yeah. sorry, we might be able to and need to alter the policies a little bit down the track there. So before he turns to, we can look at it together, update the advice, and really hone in on what we need to do to make it work for you guys. So you're not spending a fortune out of your back pocket because kids are expensive. Let's be honest. They are. Yeah. That's at least two boxes of nappies so far. Those are expensive, aren't they?","start_word":4803,"end_word":4946,"sentiment":"neutral","sentiment_score":0.01903717778623104},{"text":"That's insane.","start_word":4947,"end_word":4948,"sentiment":"negative","sentiment_score":-0.3642133176326752},{"text":"Oh, but no. It's honestly all we'll definitely look down the track to help you out with that aspect. I'll let you read through this one, take it all in, and let me know if you do have any questions there. Yeah.","start_word":4949,"end_word":4990,"sentiment":"neutral","sentiment_score":0.17359393639933496},{"text":"I've also Easy. just backed in the estate planning side of things as well.","start_word":4991,"end_word":5004,"sentiment":"positive","sentiment_score":0.3750291764736175},{"text":"You do have your beneficiaries on file. You were comfortable with those, but one of the things we'd talk about was not having a will and power of attorney. So Yeah. having your second child now with your life changing, having your will drawn up is really important. So I've added that in there that we are recommending you do have a will and power of attorney, just making sure everything is in line with your wishes. Yeah. I can, if you like, send out. I don't know if anyone sent out to you yet, and I hope someone has. Did you receive the email with the solicitor's information from the annual review? I can't I can't remember, but that's alright. If I need a solicitor, I've I've Yep. I've Perfect. got one. I've used one before, so I've used them again. Yep.","start_word":5005,"end_word":5147,"sentiment":"neutral","sentiment_score":0.11876117438077928},{"text":"Perfect. Perfect. Yeah. Just doing those up when you are ready to do so. Just provide the extra layer of protection for yourself, your family, your kids. And there's so many good things you can do with the will to make sure your family is set up, make sure there's trust structures, and the assets are sold as to your wishes, and guardianship Yeah.","start_word":5148,"end_word":5211,"sentiment":"positive","sentiment_score":0.42465317249298096},{"text":"if something happened to yourself and and Rhiannon as well. So it's just yeah. Those sort of things are hard conversations to have, but they are really important at the same time. Yeah. So Exactly right.","start_word":5212,"end_word":5247,"sentiment":"neutral","sentiment_score":0.09283966571092606},{"text":"yeah. All good. So I've got those in there for you.","start_word":5248,"end_word":5258,"sentiment":"positive","sentiment_score":0.4297218918800354},{"text":"Now the advice, as I mentioned, there's no cost to the advice, no implementation cost at all.","start_word":5259,"end_word":5275,"sentiment":"neutral","sentiment_score":0.27258458733558655},{"text":"We do receive remuneration from the insurance companies for the insurances we do recommend.","start_word":5276,"end_word":5289,"sentiment":"positive","sentiment_score":0.34393927454948425},{"text":"So I do have in here on page 37 for you the updated remuneration because adding the child trauma policy means that we will do receive 66% of the first year's premium. Based on Mhmm. the total cost over the year, it's expected to be about $98. Okay. The advice I'm providing is in your best interest to meet your goals. That's why I haven't Yeah. gone with the highest cost one pass highest cost trauma policy. We wanna make sure Yeah.","start_word":5290,"end_word":5371,"sentiment":"neutral","sentiment_score":0.15401228435519265},{"text":"it's cost effective for you. It's working for you.","start_word":5372,"end_word":5380,"sentiment":"positive","sentiment_score":0.5566192865371704},{"text":"And the remuneration is just another aspect we like to disclose. It has no Yeah. effect on my recommendations in any way, shape, or form. Daisy. And then the ongoing remuneration for all policies is 22%. They're ongoing. We have added on the remuneration ongoing side. It's a combination of all your one part policies together. So it is expected to be $7.97 for the year based on 22% of your total premium cost and not on just the cost of the child trauma, just to hear what Yeah. I'll know. No. Easy.","start_word":5381,"end_word":5473,"sentiment":"neutral","sentiment_score":0.09103814512491226},{"text":"excellent.","start_word":5474,"end_word":5474,"sentiment":"positive","sentiment_score":0.4991486072540283},{"text":"There's no setup or implementation fees and charge for us for the services. You're an ongoing service client. You're paying ongoing service fee of 1.65% per annum. So we obviously wanna make sure that this is looking after you. I actually think this is you're on 1.1. So sorry. There is a typo there. That's This okay. document automates the 1.65%, but you're on 1.1% because you're Maddie's brother. So it's not an issue. It's over disclosed in the advice document, which is fine as long as your ongoing service agreement is correct, and that is correct because I just checked it then. So Yeah. I No. just wanted to make sure you're aware that's what it says. It's just the standard with most of our clients that you're obviously on a discounted rate for that one. If you want, I'm happy to go and update that for you to reflect before you read it. Do you want me to change that ongoing service I'm not. percentage for you? That's that's It's not? that's like that's You sure? okay. I know. Yeah. Okay. I know what's going on.","start_word":5475,"end_word":5662,"sentiment":"neutral","sentiment_score":0.05506923794746399},{"text":"The perks have been Beautiful. Madison's brother.","start_word":5663,"end_word":5669,"sentiment":"positive","sentiment_score":0.5323545932769775},{"text":"Look. Gotta look after you, honestly. She sits behind Yeah. me and can hear all my conversations, so she'll tell me if I stuff up something. No. All good. But I will let you go and have a bit of a read through that, take it in. If there's anything that you had questions on wanting me to update or clarify, please let me know.","start_word":5670,"end_word":5734,"sentiment":"neutral","sentiment_score":0.14902229607105255},{"text":"Wanna make sure that, obviously, you're looked after, that we're providing the value of our services, and that we're here to help you and to meet all of your goals.","start_word":5735,"end_word":5764,"sentiment":"positive","sentiment_score":0.4372752904891968},{"text":"So, yeah, A that's z basically diamond. the advice. Not a z.","start_word":5765,"end_word":5776,"sentiment":"neutral","sentiment_score":0.07659909874200821},{"text":"Perfect. Perfect.","start_word":5777,"end_word":5778,"sentiment":"positive","sentiment_score":0.5333670973777771},{"text":"If you decide to take on all of that, how implementation should go is you sign the document, you send it back to us. We'll start by the investment switch, and then we'll book you in with our admin team start to go through the application for the child trauma policy, have it submitted off, Yep.","start_word":5779,"end_word":5834,"sentiment":"neutral","sentiment_score":0.25908273458480835},{"text":"and organized for that to be linked to the other policies to make it nice and easy.","start_word":5835,"end_word":5851,"sentiment":"positive","sentiment_score":0.38522040843963623},{"text":"Okay.","start_word":5852,"end_word":5852,"sentiment":"neutral","sentiment_score":0.302754282951355},{"text":"Easy. Very And easy one implementation.","start_word":5853,"end_word":5858,"sentiment":"positive","sentiment_score":0.4604930281639099},{"text":"Yeah. Of one course. other question Yeah. is if I was to could I add a policy for Rhiannon? Mhmm. Yep. Or does You Rhiannon need to add a policy for herself? you absolutely can. There's nothing wrong with you holding a policy for her. However, it is probably that it's for her to hold her own policy. She's not working at the moment, is she? No. No. That's okay. So we can just provide it I know because she might have super somewhere else, but when she's not working, it's sort of not really worth looking at a super. But we can do advice for insurance only. So if she Yeah. does wanna look at, like, a life policy or something like that while she's not working, it's hard to kind of look at income protection or TBD, but we can It look is. at life Yeah. and trauma policies for her. Okay. We can also look at maybe home duties TBD, which essentially means Yeah. that if she's not able to do her home duties due to something, that the money can be used to have cleaners and childcare and things like that set Okay. up. And you can get home duties, occupation, TBD. So we Yeah. can absolutely look at those sorts of options for her if she would like to.","start_word":5859,"end_word":6082,"sentiment":"neutral","sentiment_score":-0.0077012148685753345},{"text":"I'm happy to help her out and have that conversation initially, Yeah.","start_word":6083,"end_word":6094,"sentiment":"positive","sentiment_score":0.601323127746582},{"text":"talk about what we do and how it works, and provide advice for insurance only. If that's the case, there's no ongoing fees for us doing that. We receive remuneration from insurances for from insurance companies for the insurances that we set up, and we can have it set up to be paid out of pocket or out of super depending on what she sort of wants, what her structure, and what your life allows for at the same time. So Yes. but Yeah. that's absolutely I might possible. yeah. I might, Yeah. yeah, I might have a I'll have her speak to her and say what she Yep. wants to do, but it's probably not a bad idea. Yeah.","start_word":6095,"end_word":6214,"sentiment":"neutral","sentiment_score":0.18926285207271576},{"text":"Absolutely.","start_word":6215,"end_word":6215,"sentiment":"positive","sentiment_score":0.334516316652298},{"text":"We can sort of make it up even if she wants to have a chat to us first, myself or Maddie look at what we do, Yep. how it works, what we can sort of help her with. We can work to, you know, work as slow or as fast as she sort of needs us to. But, yeah, Easy. have a chat to her and see if she wants to look at doing that.","start_word":6216,"end_word":6290,"sentiment":"neutral","sentiment_score":0.2221687138080597},{"text":"I'm more than happy to assist and help out in that Okay. area. So, yeah, not a problem at all. Easy done. Easy. Beautiful. That's everything I needed to touch base on.","start_word":6291,"end_word":6322,"sentiment":"positive","sentiment_score":0.5463374853134155},{"text":"I don't wanna sort of take up too much of your time because you've got your beautiful son there, and you're in your bubble of Yep. newborn. Did you wanna just take some time to have her read through that document? Like, come back and let me know if you have any questions, and I'll shoot you an email now as well so you've got my email in your inbox. Okay. Easy. No. Why is that all?","start_word":6323,"end_word":6399,"sentiment":"neutral","sentiment_score":0.1424801434789385},{"text":"Beautiful. Thank you so much for your time, Alright. Tyler. Well, I'm so thank excited for you guys. you. Thank you kindly. Thanks for the call. Alright.","start_word":6400,"end_word":6426,"sentiment":"positive","sentiment_score":0.6845716834068298},{"text":"Anytime.","start_word":6427,"end_word":6427,"sentiment":"neutral","sentiment_score":0.3313646912574768},{"text":"I'll let you go. You have an amazing day, and let me know if there's anything you need or any questions that you have in relation to that.","start_word":6428,"end_word":6455,"sentiment":"positive","sentiment_score":0.5828235745429993},{"text":"It doesn't matter what it Alright. No worries at might all.","start_word":6456,"end_word":6466,"sentiment":"neutral","sentiment_score":0.22530627250671387},{"text":"Appreciate be. it. Okay? Wonderful. Thank you so much for your time. Have a good afternoon. Alright. You too. See you.","start_word":6467,"end_word":6487,"sentiment":"positive","sentiment_score":0.581596851348877},{"text":"See you later. Bye. Bye bye.","start_word":6488,"end_word":6493,"sentiment":"neutral","sentiment_score":0.21788311004638672}],"average":{"sentiment":"neutral","sentiment_score":0.10608524903772436}}}}