{"metadata":{"transaction_key":"deprecated","request_id":"019e0156-6f33-7331-a937-c285700699cf","sha256":"7e49ca7419dc734acc3a4f79e2331520962ff60f623c86909c2f118e6f62cf80","created":"2026-05-07T07:28:27.113Z","duration":1530.5759,"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":5108,"output_tokens":131},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5680,"output_tokens":5692},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":5680,"output_tokens":429}},"results":{"channels":[{"alternatives":[{"transcript":"Good evening, Jeffrey. It's Tommy here, senior adviser from. How are you going? I'm doing absolutely fantastic today. Thank you for asking. Mate, I'll just give you a call to go through this annual review with you if you still have time. Perfect. Now I'm gonna shoot through an annual review pack to your email. Do you mind if I just quickly confirm security with you? Perfect. So the calls are recorded for training and quality purposes. We don't have a security question on file. So could you please confirm your date of birth and address, please? Thank you so much for that, sir. I have your email down as jeffwilka@gmail.com. Is it okay if I shoot it through to that? Awesome. Will you be able to look on to this email with me today, or do you want me to just kind of walk you through what documents are coming through? Yep. No worries. So what's gonna pop through is you've got an updated performance report for your Netwealth Super as well as a financial services guide because we update, like, our licensing details every year, complaints, procedure, privacy policy, and so on. It also includes an updated service agreement as well if you're still happy with the services at the end of the review, and I'm gonna pop that through to you now. But is there anything in particular that you're hoping to get out of this year's review? I was having a pretty close look at this over the last couple of weeks. And with the stock market going pretty crazy, I was a bit worried about your risk level, but you've actually the super has grown from just over 80,000 to 89,000 as of today. So it's done pretty well. Just to quickly go over performance with you because that's one thing I wanted to just really touch on with you today, and then I'm gonna update a few details. But most of the investment options that you've been having in your portfolio, because there's about eight or nine of them that we've put together for you, they've all had pretty solid double digit growth for the year. Only some cybersecurity shares went down 3%, but mostly everything's been going up about 14 to 16%. And you possibly would have gotten an email over the last few months about a a record of advice or an ROI. Do you remember seeing that come through? Yep. So just to let you know what happened there, one of the investment options was flagged company wide. You had two Australian shares options. One was BetaShares, one was Benelon. BetaShares is doing fantastic, but that Benelon option, we flagged some significant underperformance the last couple of years, and we made a decision on the licensee level to replace that option across all clients. So normally, what would happen is if we go through a review and we wanna update your portfolio, we probably have a bit of a chat and go through another statement of advice and just show you what we're looking to change. But this one, we were just worried about it being quite a lot more volatile than all the other Australian shares options. So that one was dropping about 14%, which was pretty heavy. We pushed it out for another Australian share ETF, and it's already jumped up another 3% to kind of make that back. And so it's really, you know, that as far as I can see it, if we were to maintain the same risk level, everything's looking pretty good across the whole portfolio now. Thanks. So I guess in percentage terms, because we usually compare this in percentage, it's been just under an 11% return after fees, and that's that 80 to 89,000. Cool. Now when I'm looking at it, though, because you've got about 20% sorry, 25% in fixed interest, which is kind of like your term deposits, your safer investment, and the rest of it is split between, like, shares, property, gold, and infrastructure. There's your growth assets. So it's kind of a seventy five twenty five split. Does that make sense? Yep. Yeah. And when I look at most of these options, because they're kind of index funds, they're pretty stable across the board. They're, I guess, what you would call like a low risk version version of shares, whereas you can go for some pretty high risk versions of the same investments. Now because of the way I can see that asset allocation at the moment, if you were wanting a pretty conservative portfolio, you know, like 80% safe, 20% high risk, I would probably actually look at switching a few things around and bringing the risk. Yep. Yep. Now to kind of make a recommendation there, I'll definitely do a bit of an updated portfolio for you. One thing I wanted to just check was the the main purpose for the super because I can see that you were on, I guess, that, like, disability support pension with a bit of kind of cash in the bank and you've got the mortgage paid off. Is that right? Yep. So what would be, like, the main purpose for the super for the next few years for you? Is it just to get, like, a a bit of safe growth out of it and you're wanting to access it to fund? Yeah. The tricky situation that we've got is because of everything that's going on in the world at the moment, the projections going forward for a lot of asset classes is quite far down. So your current risk level, I would describe it as like a three and a half out of five. It's a little bit above medium risk. That's still aiming for around about that nine to 10% average return. But then again, usually recommended for someone who's not gonna access the food for about six or seven years. So what I'm sort of thinking is if we still want to aim for that level of return, we could possibly reduce the risk level by about, like, one one point, put you down to, like, a two and a half or a three. That might get you maybe an 8% average or 9% average. The one thing I was worried about is we kind of left it the way it was trying to hunt for the higher returns. If this situation turns into a really big crash, you could be sitting there at 65,000 next year and then having to wait five years for it to build back up. Yes. It doesn't sound like it'd be a fun ride for you, especially just given when you're looking to access it. Yeah. So usually when we get closer to retirement, we slowly reduce it down every year or two. So from that 75% down to about seventy, sixty, fifty, forty. So if you want to go middle of the road, I can drop it from 75 to 70%. Or if you want to go a little bit safer, I can drop it to 60. Just want to kind of gauge your thoughts. Yep. So go just a tiny bit more growth focus. Yep. I think so. K. That's perfect. I can do that. No worries at all. Just in terms of those assets, I think we had the home valued at about 1,000,000 flat with nothing owing on it and about 140 in a high interest savings account. Yep. Cool. So all that's still stable there. You're just kind of living off the pension at the moment, not dipping into the capital. Yeah. Yep. Perfect. Perfect. So one thing I wanna double check with you then is with the 140,000 you have in savings, is that in, like, a high interest savings account or, like, a locked away term deposit? Yep. And is that maturing relatively soon, or is that still locked away until '20 '20 '7? July. Okay. Perfect. And then as far as the cars go, we had the whole Holden Colorado there at about 22,000. Is there a second vehicle in there? Yep. Perfect. Any other assets or loans or anything floating around? Amazing. Don't have a million dollars of crypto sitting under the pillow or anything like that. Yeah. May maybe leave that for the person who can stand to wait twenty years for it to go up if it crashes 90%, that kind of thing. Perfect. I had a couple of last thoughts when it came to the super there, and then I'm just gonna double check a couple of other detail. But your super is currently in, like, an accumulation account where it's still in the super space. It's not technically in a pension account yet because you're not drawing down, if that makes sense. Now I was looking at your, like, estate planning, and we had Carly and William listed as your beneficiaries for the super. Yeah. Just as I'm but are they, like, partner, adult children? What's their relation? Perfect. And they're all over 18? Yep. So the only other thoughts I had was two things, and these are not necessities. It's just ideas here. Is if you put your super into a pension account, all of the earnings that it grows for the interest, it all turns into tax free instead of the usual 15% concessional rate. What it does, however, is once you convert it into a pension account, you have to draw down a minimum of 4% out of the super account. So it would be, I guess, the optimal scenario would be if we put it pretty much all in a pension account to increase the earnings tax free. You would have a little bit coming out. And if you didn't need to use the funds, we could actually recontribute it back in and kind of just recycle it a little bit. And that also means that anything that we put back in goes in as non concessional, which means it's tax free for your beneficiaries. They wouldn't pay that kind of 15% tax or 17% when they received it. So I just wanted to kind of float the idea with you. K. One other thing that I kind of wanna try to is if I'm looking in Netwealth account at the moment, just because of your state of life, it gives you a full breakdown of what your taxable component is, which is at 17% for estate purposes versus your tax free component. Now 87,000 of your 89 is sitting in taxable. So if you were to pass away tomorrow, that's the majority of the contract. We can actually do something called a cash out recontribution if you're comfortable to do this with us. And what it basically is is we could pull out, say, 80,000 and put it back in within a day or two, and that would essentially wash 90% of the funds back into a tax free portion for your children. So if you're comfortable to kind of go through that ride with me, there wouldn't be too much for you to do. I would basically update your portfolio to be a bit more conservative. We would then set up your pension account, do a little withdrawal, and then you just have to put it back in again via, like, a BPAY or EFT, and we would handle all the rest in the background. Would you be comfortable to kind of I'll put that in writing so it's in plan for you, but would you be comfortable possibly doing that with us as a bit of a one off strategy? Cool. I'll definitely crunch some numbers and sort of see how it would be best to do that and go through that updated advice document with you in a few weeks' time just to show you what I'm changing with the investments and also how to go about doing that, and we'll pretty much hold your hand along the whole whole time. And the last thing I wanted to check was because you're on disability support pension, would you be essentially classed by the doctors as, say, only and permanently disabled by TBD, or is it just kind of middle ground in between? Yes. Perfect. So the I guess the last question there is when you had that situation occurring and you stopped working, what were you actually doing for work at the time? Yep. And you would have had to do a bit of, like, traveling around, like, travel salesman type thing? Or yep. So I guess why I'm kind of going down this route too is that because we're in this situation where I'm kind of optimizing your estate planning, you can also potentially click on, like, a TBD status on the super, and that'll give you, like, a tax free up to list to convert your funds as well. It would be a lot more paperwork in terms of doctors' reports, filling out heaps of forms, and all that kind of thing, which I can pretty much achieve just by doing that repontribution with the pension I mentioned. But it would kind of give you that last little little optimization there. It would be a decent amount of work for a little gain, but it's, I guess, what I would say is the most optimal situation. So I just wanted to run it by you if that's yeah. That's okay. I just had to ask the question then. Yep. So I'll leave that out, and we'll just do the pension. Pension. Haven't changed address. Haven't changed family status. And the last thing was in terms of, like, a will, you did have a will in place, so I think you were going to update at some point. It was getting a little bit old. Did you end up doing that? Or Yep. And when it comes to the will, I I know it might be a bit hard to think back several years, but do you know if you have, like, a power of attorney put in place if you remember what that does? Yeah. And it's just one of those things that allows, like, why you're still alive. Like, let's say you're in a coma. Someone can talk to the doctors on your behalf and also, like, manage bank accounts, make sure bills are paid, things like that without having to go to court to sue for probate. So if you think that would be valuable to have someone trusted there to look after things if you were incapacitated. Yep. So I would just kind of suggest if you're gonna update the will, maybe see if you can get one of those added on. And look, worst case scenario, you can get one of those power of attorney kits from the post office, from the government, like, 25. Or if you go to, like, your lawyer, take the will, there's heaps of different options there. Cool. So that's pretty much it for most of that. Any questions so far? And I've kind of bombarded you with a bit of technical info today. Mhmm. Okay. Goals wise, I think you were looking to go on a bit of a cruise at some point. I don't know if that was quite an old goal. Is that still current? Yep. Done. And the last thing there is when it comes to your term deposit maturing, do you want me to factor any of those funds in to this contribution plan with the super, or would you prefer to kind of still keep them separate? Yeah. And just roll it on for the next year. I think the interest rates are up higher now. Yep. Perfect. Alrighty. Mate, that's pretty much everything that I had for the review so far. There's no insurances or anything, so that's great. And like I mentioned before, I've kind of emailed through that pack for you just to have a look at the performance and so on. And there's also, like, a a digital link through our ongoing service agreement. I did wanna double check if you, of course, still comfortable to remain a client about you. Cool. So the fees haven't changed. It's still the standard, like, 1.65% split over those monthly payments throughout the year, and that always gets factored into the performance as well. So everything that I quote is after fees. Cool. Jeff, any questions for me so far? It can be on any number you prefer. If you have a preferred contact number, I can update. Yeah. And one of the tricky things that I'm not across with the tech is we've got, like, a main office number. And because I'm on a digital phone system, when it calls through, it may come through from Yeah. Yep. Yep. That's our sort of digital phone number. If it helps at all, I can always send you a bit of a text message before any calls. Just give you a heads up. That'll be us calling if that helps. So Yep. We don't like doing too many double, triple rings these days, but a text beforehand and a voice message after, no worries at all. Yep. Awesome. Mate, with the the pack that I sent through to you, please just bear in mind that it's on our our new system called Odoo. It's kind of like a all your customer details as well as a bit of a DocuSign as well. It may go through to your spam folder in your email, or it may go through your main box. So just have a bit of a check on both. And when you go in there, if you have any trouble with the system, just give the team a call. They can walk you through it. But it tends to do, like, an automatic stamp signature, Or you can, like, click on it with your finger and and draw a signature. Oh, perfect. Yep. Now would you mind pulling that up for me and just seeing if it works okay for you? Yep. And there's also one other form at the bottom there as well. There's a tax file number opt in form. Just with the cybersecurity issues of people's data being leaked last year across the country, we just wanna make sure that we keep tax file numbers on one document instead of a a dozen different digital systems. So I just wanna make sure that we can get your consent to, of course, utilize that number for your applications and so on. Oh, you don't have to sign it now. I just wanted to see if it came through okay. If you wanna give that a bit of a read, mate, I'll check it tomorrow. And if we need to, we'll just give you a buzz next week. Amazing. Alright, Jeff. Mate, I do appreciate you taking the time and going through all the details with me again and just make sure that everything on system is perfectly up to date. Anything else for me before I let you go? Awesome. We'll give you a call in a couple of weeks to book back in with me. I'll do all the research and documentation in the background. And, again, I'll let the team know to give you a text ahead of time. Thanks, mate. You have a fantastic day, and we'll talk to you in a couple of weeks. Thanks, Jeff. Bye.","confidence":0.996597,"words":[{"word":"good","start":4.64,"end":4.88,"confidence":0.9989188,"punctuated_word":"Good","sentiment":"neutral","sentiment_score":0.3070494532585144},{"word":"evening","start":4.88,"end":5.3599997,"confidence":0.99532115,"punctuated_word":"evening,","sentiment":"neutral","sentiment_score":0.2411317676305771},{"word":"jeffrey","start":5.3599997,"end":5.68,"confidence":0.98444474,"punctuated_word":"Jeffrey.","sentiment":"neutral","sentiment_score":0.217871755361557},{"word":"it's","start":5.68,"end":5.92,"confidence":0.99944365,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.26330530643463135},{"word":"tommy","start":5.92,"end":6.24,"confidence":0.98408324,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.17253132164478302},{"word":"here","start":6.24,"end":6.48,"confidence":0.936188,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.1833699643611908},{"word":"senior","start":6.48,"end":6.8799996,"confidence":0.9798319,"punctuated_word":"senior","sentiment":"neutral","sentiment_score":0.1739300787448883},{"word":"adviser","start":6.8799996,"end":7.2799997,"confidence":0.86156803,"punctuated_word":"adviser","sentiment":"neutral","sentiment_score":0.1890721172094345},{"word":"from","start":7.2799997,"end":7.7599998,"confidence":0.6658876,"punctuated_word":"from.","sentiment":"neutral","sentiment_score":0.15588372945785522},{"word":"how","start":7.7599998,"end":7.9199996,"confidence":0.98693955,"punctuated_word":"How","sentiment":"neutral","sentiment_score":0.2025940418243408},{"word":"are","start":7.9199996,"end":8.0,"confidence":0.6954549,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.1980002373456955},{"word":"you","start":8.0,"end":8.08,"confidence":0.9973683,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17513975501060486},{"word":"going","start":8.08,"end":8.58,"confidence":0.86725664,"punctuated_word":"going?","sentiment":"neutral","sentiment_score":0.20649874210357663},{"word":"i'm","start":10.88,"end":11.12,"confidence":0.9972293,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.7219125628471375},{"word":"doing","start":11.12,"end":11.5199995,"confidence":0.99974006,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.7608281373977661},{"word":"absolutely","start":11.5199995,"end":12.0199995,"confidence":0.99959964,"punctuated_word":"absolutely","sentiment":"positive","sentiment_score":0.7550461888313293},{"word":"fantastic","start":12.08,"end":12.58,"confidence":0.9999304,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.8374738693237305},{"word":"today","start":12.639999,"end":12.96,"confidence":0.99538505,"punctuated_word":"today.","sentiment":"positive","sentiment_score":0.8113071918487549},{"word":"thank","start":12.96,"end":13.2,"confidence":0.99983966,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.7037343978881836},{"word":"you","start":13.2,"end":13.36,"confidence":0.99994683,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7290516495704651},{"word":"for","start":13.36,"end":13.599999,"confidence":0.99954045,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7076717615127563},{"word":"asking","start":13.599999,"end":14.099999,"confidence":0.99933916,"punctuated_word":"asking.","sentiment":"positive","sentiment_score":0.6993985176086426},{"word":"mate","start":14.345,"end":14.505,"confidence":0.97819006,"punctuated_word":"Mate,","sentiment":"neutral","sentiment_score":0.1608329713344574},{"word":"i'll","start":14.505,"end":14.665,"confidence":0.7391446,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15011271834373474},{"word":"just","start":14.665,"end":14.745,"confidence":0.99621433,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07046981155872345},{"word":"give","start":14.745,"end":14.985001,"confidence":0.9569935,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.0633903220295906},{"word":"you","start":14.985001,"end":15.225,"confidence":0.9494862,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.046632930636405945},{"word":"a","start":15.225,"end":15.305,"confidence":0.994558,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06078718975186348},{"word":"call","start":15.305,"end":15.705,"confidence":0.9992926,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.06452122330665588},{"word":"to","start":15.705,"end":16.025,"confidence":0.998931,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07702241837978363},{"word":"go","start":16.025,"end":16.265,"confidence":0.99963,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07154639065265656},{"word":"through","start":16.265,"end":16.665,"confidence":0.99982005,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.09323112666606904},{"word":"this","start":16.665,"end":16.905,"confidence":0.9990778,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.120313361287117},{"word":"annual","start":16.905,"end":17.305,"confidence":0.99871135,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.10308990627527236},{"word":"review","start":17.305,"end":17.545,"confidence":0.9985825,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.11197327077388763},{"word":"with","start":17.545,"end":17.705,"confidence":0.9895014,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.0711316168308258},{"word":"you","start":17.705,"end":17.865,"confidence":0.99921167,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06832094490528107},{"word":"if","start":17.865,"end":17.945,"confidence":0.8467424,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05312944948673248},{"word":"you","start":17.945,"end":18.105,"confidence":0.9948349,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04051712900400162},{"word":"still","start":18.105,"end":18.265,"confidence":0.9918662,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.04323276877403259},{"word":"have","start":18.265,"end":18.425,"confidence":0.99288696,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05395636707544327},{"word":"time","start":18.425,"end":18.925,"confidence":0.9623915,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.0730370506644249},{"word":"perfect","start":21.305,"end":21.805,"confidence":0.9872706,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.27289554476737976},{"word":"now","start":21.945,"end":22.265,"confidence":0.9989286,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1193389892578125},{"word":"i'm","start":22.265,"end":22.505001,"confidence":0.9848861,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.11384490132331848},{"word":"gonna","start":22.505001,"end":22.825,"confidence":0.9196859,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.10765412449836732},{"word":"shoot","start":22.825,"end":23.065,"confidence":0.998247,"punctuated_word":"shoot","sentiment":"neutral","sentiment_score":0.0702299028635025},{"word":"through","start":23.065,"end":23.385,"confidence":0.9995066,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08019394427537918},{"word":"an","start":23.385,"end":23.545,"confidence":0.99835443,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.09273054450750352},{"word":"annual","start":23.545,"end":23.865,"confidence":0.99980515,"punctuated_word":"annual","sentiment":"neutral","sentiment_score":0.08318556100130081},{"word":"review","start":23.865,"end":24.265,"confidence":0.9975527,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.08448193967342377},{"word":"pack","start":24.265,"end":24.505001,"confidence":0.81678236,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.1116132140159607},{"word":"to","start":24.505001,"end":24.665,"confidence":0.9977049,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1321563869714737},{"word":"your","start":24.665,"end":24.904999,"confidence":0.99955994,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10253511369228364},{"word":"email","start":24.904999,"end":25.404999,"confidence":0.99926984,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.09181706607341766},{"word":"do","start":25.465,"end":25.625,"confidence":0.99100995,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.033548444509506226},{"word":"you","start":25.625,"end":25.785,"confidence":0.99916744,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.034873444586992264},{"word":"mind","start":25.785,"end":25.945,"confidence":0.9999554,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.03647653013467789},{"word":"if","start":25.945,"end":26.105,"confidence":0.99956125,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06042510271072388},{"word":"i","start":26.105,"end":26.265,"confidence":0.999666,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06524719297885895},{"word":"just","start":26.265,"end":26.585,"confidence":0.99883014,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.054798424243927},{"word":"quickly","start":26.585,"end":26.904999,"confidence":0.9963288,"punctuated_word":"quickly","sentiment":"neutral","sentiment_score":0.07915899902582169},{"word":"confirm","start":26.904999,"end":27.385,"confidence":0.9964803,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.050666384398937225},{"word":"security","start":27.385,"end":27.865,"confidence":0.9991879,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.030580569058656693},{"word":"with","start":27.865,"end":28.025,"confidence":0.999624,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05123621225357056},{"word":"you","start":28.025,"end":28.47,"confidence":0.98953354,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.05923433601856232},{"word":"perfect","start":30.869999,"end":31.349998,"confidence":0.99112725,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.1665668487548828},{"word":"so","start":31.349998,"end":31.59,"confidence":0.99840134,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0819002166390419},{"word":"the","start":31.59,"end":31.75,"confidence":0.99520195,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08882617205381393},{"word":"calls","start":31.75,"end":32.07,"confidence":0.9964946,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":0.07701631635427475},{"word":"are","start":32.07,"end":32.23,"confidence":0.99922776,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.07276207208633423},{"word":"recorded","start":32.23,"end":32.629997,"confidence":0.99968076,"punctuated_word":"recorded","sentiment":"neutral","sentiment_score":0.0951705127954483},{"word":"for","start":32.629997,"end":32.79,"confidence":0.9992607,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07539992779493332},{"word":"training","start":32.79,"end":33.19,"confidence":0.99987614,"punctuated_word":"training","sentiment":"neutral","sentiment_score":0.08101966977119446},{"word":"and","start":33.19,"end":33.43,"confidence":0.9967534,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07033194601535797},{"word":"quality","start":33.43,"end":33.829998,"confidence":0.9997316,"punctuated_word":"quality","sentiment":"neutral","sentiment_score":0.0630234107375145},{"word":"purposes","start":33.829998,"end":34.329998,"confidence":0.9914066,"punctuated_word":"purposes.","sentiment":"neutral","sentiment_score":0.08497795462608337},{"word":"we","start":34.629997,"end":34.87,"confidence":0.99922144,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.06430935859680176},{"word":"don't","start":34.87,"end":35.11,"confidence":0.9999697,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.05890008062124252},{"word":"have","start":35.11,"end":35.35,"confidence":0.9998791,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05221230536699295},{"word":"a","start":35.35,"end":35.51,"confidence":0.9977602,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.047151386737823486},{"word":"security","start":35.51,"end":36.01,"confidence":0.99997365,"punctuated_word":"security","sentiment":"neutral","sentiment_score":0.01251526176929474},{"word":"question","start":36.07,"end":36.47,"confidence":0.9998022,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.023591933771967888},{"word":"on","start":36.47,"end":36.87,"confidence":0.9998579,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.041109777987003326},{"word":"file","start":36.87,"end":37.19,"confidence":0.84967774,"punctuated_word":"file.","sentiment":"neutral","sentiment_score":0.0639018788933754},{"word":"so","start":37.19,"end":37.51,"confidence":0.99942917,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0557287260890007},{"word":"could","start":37.51,"end":37.67,"confidence":0.9973149,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.05537106841802597},{"word":"you","start":37.67,"end":37.829998,"confidence":0.99988425,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.043291546404361725},{"word":"please","start":37.829998,"end":38.149998,"confidence":0.9988612,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.040707629173994064},{"word":"confirm","start":38.149998,"end":38.649998,"confidence":0.9980909,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.04194267094135285},{"word":"your","start":38.79,"end":39.11,"confidence":0.99901414,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03704749420285225},{"word":"date","start":39.11,"end":39.27,"confidence":0.9997942,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.046692535281181335},{"word":"of","start":39.27,"end":39.51,"confidence":0.9941142,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.043023161590099335},{"word":"birth","start":39.51,"end":39.75,"confidence":0.9998697,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.04035783186554909},{"word":"and","start":39.75,"end":39.989998,"confidence":0.9989145,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.039438068866729736},{"word":"address","start":39.989998,"end":40.39,"confidence":0.99099404,"punctuated_word":"address,","sentiment":"neutral","sentiment_score":0.03664984554052353},{"word":"please","start":40.39,"end":40.815,"confidence":0.98942006,"punctuated_word":"please?","sentiment":"neutral","sentiment_score":0.03676924109458923},{"word":"thank","start":50.015,"end":50.254997,"confidence":0.9987055,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.35451963543891907},{"word":"you","start":50.254997,"end":50.495,"confidence":0.99982613,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.44041869044303894},{"word":"so","start":50.495,"end":50.655,"confidence":0.99968255,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4343295395374298},{"word":"much","start":50.655,"end":50.894997,"confidence":0.99994266,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.5072638392448425},{"word":"for","start":50.894997,"end":51.055,"confidence":0.99938226,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5169601440429688},{"word":"that","start":51.055,"end":51.214996,"confidence":0.9985334,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.4779738783836365},{"word":"sir","start":51.214996,"end":51.714996,"confidence":0.99975383,"punctuated_word":"sir.","sentiment":"positive","sentiment_score":0.4873325824737549},{"word":"i","start":51.934998,"end":52.175,"confidence":0.9987192,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2785668671131134},{"word":"have","start":52.175,"end":52.414997,"confidence":0.99787235,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.20615330338478088},{"word":"your","start":52.414997,"end":52.574997,"confidence":0.9787057,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1370621621608734},{"word":"email","start":52.574997,"end":52.975,"confidence":0.99062,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.2042149603366852},{"word":"down","start":52.975,"end":53.214996,"confidence":0.9987429,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.17186424136161804},{"word":"as","start":53.214996,"end":53.454998,"confidence":0.994058,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1405811607837677},{"word":"jeffwilka@gmail.com","start":53.454998,"end":55.88,"confidence":0.913146,"punctuated_word":"jeffwilka@gmail.com.","sentiment":"neutral","sentiment_score":0.14940884709358215},{"word":"is","start":55.88,"end":56.04,"confidence":0.99926025,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.08187912404537201},{"word":"it","start":56.04,"end":56.2,"confidence":0.9922065,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.094917930662632},{"word":"okay","start":56.2,"end":56.52,"confidence":0.9991365,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.09050627052783966},{"word":"if","start":56.52,"end":56.68,"confidence":0.99667823,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11206956207752228},{"word":"i","start":56.68,"end":56.760002,"confidence":0.99763644,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10857422649860382},{"word":"shoot","start":56.760002,"end":57.08,"confidence":0.95118564,"punctuated_word":"shoot","sentiment":"neutral","sentiment_score":0.09767764806747437},{"word":"it","start":57.08,"end":57.16,"confidence":0.98901075,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.11011738330125807},{"word":"through","start":57.16,"end":57.32,"confidence":0.99512684,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1072300150990486},{"word":"to","start":57.32,"end":57.4,"confidence":0.9891555,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10781335830688477},{"word":"that","start":57.4,"end":57.9,"confidence":0.83745086,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":0.11211515963077544},{"word":"awesome","start":59.64,"end":60.14,"confidence":0.98861027,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.4076330065727234},{"word":"will","start":60.440002,"end":60.68,"confidence":0.9750539,"punctuated_word":"Will","sentiment":"neutral","sentiment_score":0.1771497279405594},{"word":"you","start":60.68,"end":60.920002,"confidence":0.9997644,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16961851716041565},{"word":"be","start":60.920002,"end":61.08,"confidence":0.99939024,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1625304818153381},{"word":"able","start":61.08,"end":61.32,"confidence":0.9997627,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.150020033121109},{"word":"to","start":61.32,"end":61.72,"confidence":0.9989986,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1513570249080658},{"word":"look","start":61.72,"end":62.04,"confidence":0.997482,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.11532006412744522},{"word":"on","start":62.04,"end":62.36,"confidence":0.70595866,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.11376164853572844},{"word":"to","start":62.36,"end":62.52,"confidence":0.95602024,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14718499779701233},{"word":"this","start":62.52,"end":62.84,"confidence":0.99534047,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1656370759010315},{"word":"email","start":62.84,"end":63.24,"confidence":0.9996586,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.15949836373329165},{"word":"with","start":63.24,"end":63.4,"confidence":0.99958044,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.10336089879274368},{"word":"me","start":63.4,"end":63.56,"confidence":0.99965274,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.17481869459152222},{"word":"today","start":63.56,"end":63.96,"confidence":0.70219326,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.12790487706661224},{"word":"or","start":63.96,"end":64.12,"confidence":0.9989837,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.11928677558898926},{"word":"do","start":64.12,"end":64.2,"confidence":0.9617509,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08056970685720444},{"word":"you","start":64.2,"end":64.28,"confidence":0.98992133,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09874221682548524},{"word":"want","start":64.28,"end":64.44,"confidence":0.99459875,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.0936657041311264},{"word":"me","start":64.44,"end":64.6,"confidence":0.9916871,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.12532933056354523},{"word":"to","start":64.6,"end":64.68,"confidence":0.6904021,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1384035497903824},{"word":"just","start":64.68,"end":64.840004,"confidence":0.9879494,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10294324904680252},{"word":"kind","start":64.840004,"end":65.0,"confidence":0.84182984,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.13399410247802734},{"word":"of","start":65.0,"end":65.08,"confidence":0.9931473,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.140642449259758},{"word":"walk","start":65.08,"end":65.24,"confidence":0.9951912,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.14007459580898285},{"word":"you","start":65.24,"end":65.4,"confidence":0.9944062,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12178173661231996},{"word":"through","start":65.4,"end":65.64,"confidence":0.9993709,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.12420950084924698},{"word":"what","start":65.64,"end":65.8,"confidence":0.99772793,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.10826613008975984},{"word":"documents","start":65.8,"end":66.28,"confidence":0.9911645,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":0.052455730736255646},{"word":"are","start":66.28,"end":66.44,"confidence":0.9499122,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.06762997806072235},{"word":"coming","start":66.44,"end":66.76,"confidence":0.99923086,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.041154585778713226},{"word":"through","start":66.76,"end":67.26,"confidence":0.9883964,"punctuated_word":"through?","sentiment":"neutral","sentiment_score":0.041366808116436005},{"word":"yep","start":73.09499,"end":73.41499,"confidence":0.9841589,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05691619962453842},{"word":"no","start":73.41499,"end":73.575,"confidence":0.99760735,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.08819799870252609},{"word":"worries","start":73.575,"end":73.975,"confidence":0.9980539,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.08688024431467056},{"word":"so","start":73.975,"end":74.295,"confidence":0.9988423,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07961265742778778},{"word":"what's","start":74.295,"end":74.615,"confidence":0.9950789,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.08290241658687592},{"word":"gonna","start":74.615,"end":74.935,"confidence":0.8759833,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.10918304324150084},{"word":"pop","start":74.935,"end":75.174995,"confidence":0.99793136,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.13199922442436218},{"word":"through","start":75.174995,"end":75.494995,"confidence":0.99906474,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.0875113382935524},{"word":"is","start":75.494995,"end":75.814995,"confidence":0.9978148,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.09208538383245468},{"word":"you've","start":75.814995,"end":76.05499,"confidence":0.9852749,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.13277505338191986},{"word":"got","start":76.05499,"end":76.454994,"confidence":0.99984646,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.13462325930595398},{"word":"an","start":76.454994,"end":76.615,"confidence":0.9965823,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.11465375870466232},{"word":"updated","start":76.615,"end":77.09499,"confidence":0.99650854,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.11687784641981123},{"word":"performance","start":77.09499,"end":77.59499,"confidence":0.99878365,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.1104026585817337},{"word":"report","start":77.655,"end":78.05499,"confidence":0.9946032,"punctuated_word":"report","sentiment":"neutral","sentiment_score":0.15586933493614197},{"word":"for","start":78.05499,"end":78.215,"confidence":0.9050845,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1319267600774765},{"word":"your","start":78.215,"end":78.295,"confidence":0.9612283,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1317240595817566},{"word":"netwealth","start":78.295,"end":78.774994,"confidence":0.7967279,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.14519836008548737},{"word":"super","start":78.774994,"end":79.274994,"confidence":0.61595756,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.14031225442886353},{"word":"as","start":79.829994,"end":80.07,"confidence":0.9990773,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11946021020412444},{"word":"well","start":80.07,"end":80.549995,"confidence":0.9998839,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.10885339975357056},{"word":"as","start":80.549995,"end":81.03,"confidence":0.99857247,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.14301124215126038},{"word":"a","start":81.03,"end":81.27,"confidence":0.9988701,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15148617327213287},{"word":"financial","start":81.27,"end":81.75,"confidence":0.99359316,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.11629300564527512},{"word":"services","start":81.75,"end":82.229996,"confidence":0.9989243,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.09853848814964294},{"word":"guide","start":82.229996,"end":82.549995,"confidence":0.98442173,"punctuated_word":"guide","sentiment":"neutral","sentiment_score":0.13783375918865204},{"word":"because","start":82.549995,"end":82.78999,"confidence":0.84546167,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1224106103181839},{"word":"we","start":82.78999,"end":83.03,"confidence":0.99956995,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12795084714889526},{"word":"update","start":83.03,"end":83.53,"confidence":0.9106157,"punctuated_word":"update,","sentiment":"neutral","sentiment_score":0.1173190176486969},{"word":"like","start":83.59,"end":83.829994,"confidence":0.9927348,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.10751903057098389},{"word":"our","start":83.829994,"end":84.07,"confidence":0.98193216,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.10210704058408736},{"word":"licensing","start":84.07,"end":84.57,"confidence":0.99903995,"punctuated_word":"licensing","sentiment":"neutral","sentiment_score":0.07381206005811691},{"word":"details","start":84.63,"end":85.10999,"confidence":0.999042,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.08823065459728241},{"word":"every","start":85.10999,"end":85.35,"confidence":0.99872905,"punctuated_word":"every","sentiment":"neutral","sentiment_score":0.09283249825239182},{"word":"year","start":85.35,"end":85.85,"confidence":0.847509,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.10224483162164688},{"word":"complaints","start":86.549995,"end":87.049995,"confidence":0.71411705,"punctuated_word":"complaints,","sentiment":"neutral","sentiment_score":0.08137370645999908},{"word":"procedure","start":87.10999,"end":87.60999,"confidence":0.98002076,"punctuated_word":"procedure,","sentiment":"neutral","sentiment_score":0.09461887180805206},{"word":"privacy","start":87.75,"end":88.25,"confidence":0.99483156,"punctuated_word":"privacy","sentiment":"neutral","sentiment_score":0.0905110239982605},{"word":"policy","start":88.31,"end":88.78999,"confidence":0.77860564,"punctuated_word":"policy,","sentiment":"neutral","sentiment_score":0.08382876217365265},{"word":"and","start":88.78999,"end":88.869995,"confidence":0.98264575,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09674777090549468},{"word":"so","start":88.869995,"end":89.10999,"confidence":0.9940409,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08475575596094131},{"word":"on","start":89.10999,"end":89.60999,"confidence":0.99951816,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.10028469562530518},{"word":"it","start":91.509995,"end":91.75,"confidence":0.9941586,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.13147765398025513},{"word":"also","start":91.75,"end":92.229996,"confidence":0.9984181,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.11425117403268814},{"word":"includes","start":92.229996,"end":92.729996,"confidence":0.9981256,"punctuated_word":"includes","sentiment":"neutral","sentiment_score":0.1233762577176094},{"word":"an","start":93.104996,"end":93.265,"confidence":0.99862885,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.13068394362926483},{"word":"updated","start":93.265,"end":93.744995,"confidence":0.9853211,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.11424890160560608},{"word":"service","start":93.744995,"end":94.145,"confidence":0.99965036,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.09960725158452988},{"word":"agreement","start":94.145,"end":94.545,"confidence":0.9998615,"punctuated_word":"agreement","sentiment":"neutral","sentiment_score":0.09818094968795776},{"word":"as","start":94.545,"end":94.625,"confidence":0.99774677,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12727206945419312},{"word":"well","start":94.625,"end":94.784996,"confidence":0.9999764,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.1353442519903183},{"word":"if","start":94.784996,"end":94.945,"confidence":0.8406445,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.13689643144607544},{"word":"you're","start":94.945,"end":95.104996,"confidence":0.9945817,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.12837108969688416},{"word":"still","start":95.104996,"end":95.345,"confidence":0.9996295,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.11962883919477464},{"word":"happy","start":95.345,"end":95.585,"confidence":0.9982646,"punctuated_word":"happy","sentiment":"neutral","sentiment_score":0.14829427003860474},{"word":"with","start":95.585,"end":95.744995,"confidence":0.9996581,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.15588155388832092},{"word":"the","start":95.744995,"end":95.905,"confidence":0.99499774,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15274541079998016},{"word":"services","start":95.905,"end":96.405,"confidence":0.9997873,"punctuated_word":"services","sentiment":"neutral","sentiment_score":0.15090487897396088},{"word":"at","start":96.545,"end":96.704994,"confidence":0.9990522,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1542118489742279},{"word":"the","start":96.704994,"end":96.784996,"confidence":0.9992161,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13537292182445526},{"word":"end","start":96.784996,"end":96.945,"confidence":0.99995804,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.1641557663679123},{"word":"of","start":96.945,"end":97.024994,"confidence":0.99969876,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1291683465242386},{"word":"the","start":97.024994,"end":97.185,"confidence":0.9996315,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09342501312494278},{"word":"review","start":97.185,"end":97.685,"confidence":0.7873521,"punctuated_word":"review,","sentiment":"neutral","sentiment_score":0.0694332867860794},{"word":"and","start":97.744995,"end":98.064995,"confidence":0.99753606,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05883727967739105},{"word":"i'm","start":98.064995,"end":98.225,"confidence":0.998054,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.07663704454898834},{"word":"gonna","start":98.225,"end":98.545,"confidence":0.95804024,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.12038660049438477},{"word":"pop","start":98.545,"end":98.865,"confidence":0.98340225,"punctuated_word":"pop","sentiment":"neutral","sentiment_score":0.14882218837738037},{"word":"that","start":98.865,"end":99.024994,"confidence":0.98540616,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14570318162441254},{"word":"through","start":99.024994,"end":99.345,"confidence":0.9985032,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10015302896499634},{"word":"to","start":99.345,"end":99.505,"confidence":0.9980338,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1079406440258026},{"word":"you","start":99.505,"end":99.744995,"confidence":0.99848914,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09954150766134262},{"word":"now","start":99.744995,"end":100.244995,"confidence":0.9956708,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.08097749948501587},{"word":"but","start":100.384995,"end":100.625,"confidence":0.9252102,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.02775696851313114},{"word":"is","start":100.625,"end":100.784996,"confidence":0.9979232,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.003816604614257813},{"word":"there","start":100.784996,"end":100.945,"confidence":0.9998312,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.01903892308473587},{"word":"anything","start":100.945,"end":101.185,"confidence":0.9988955,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.03268261253833771},{"word":"in","start":101.185,"end":101.424995,"confidence":0.9819126,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.005534600466489792},{"word":"particular","start":101.424995,"end":101.825,"confidence":0.9999143,"punctuated_word":"particular","sentiment":"neutral","sentiment_score":0.00954260677099228},{"word":"that","start":101.825,"end":101.985,"confidence":0.99939644,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007682301104068756},{"word":"you're","start":101.985,"end":102.145,"confidence":0.99968576,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.014207156375050545},{"word":"hoping","start":102.145,"end":102.465,"confidence":0.9991454,"punctuated_word":"hoping","sentiment":"neutral","sentiment_score":0.02276996523141861},{"word":"to","start":102.465,"end":102.545,"confidence":0.9988061,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02753040567040443},{"word":"get","start":102.545,"end":102.705,"confidence":0.99983096,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.026703916490077972},{"word":"out","start":102.705,"end":102.865,"confidence":0.9997944,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0387684628367424},{"word":"of","start":102.865,"end":103.024994,"confidence":0.9988716,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.02351853996515274},{"word":"this","start":103.024994,"end":103.524994,"confidence":0.9965042,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.021970629692077637},{"word":"year's","start":103.665,"end":103.985,"confidence":0.9750651,"punctuated_word":"year's","sentiment":"neutral","sentiment_score":0.035461027175188065},{"word":"review","start":103.985,"end":104.485,"confidence":0.99906456,"punctuated_word":"review?","sentiment":"neutral","sentiment_score":0.025095967575907707},{"word":"i","start":113.2,"end":113.36,"confidence":0.15429153,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03006601333618164},{"word":"was","start":113.36,"end":113.52,"confidence":0.3211232,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.05883924290537834},{"word":"having","start":113.52,"end":113.72,"confidence":0.73470896,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.04868406802415848},{"word":"a","start":113.72,"end":113.92,"confidence":0.649808,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.025775672867894173},{"word":"pretty","start":113.92,"end":114.159996,"confidence":0.8761999,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.038787126541137695},{"word":"close","start":114.159996,"end":114.56,"confidence":0.9484943,"punctuated_word":"close","sentiment":"neutral","sentiment_score":-0.026298098266124725},{"word":"look","start":114.56,"end":114.72,"confidence":0.98540527,"punctuated_word":"look","sentiment":"neutral","sentiment_score":-0.016601435840129852},{"word":"at","start":114.72,"end":114.799995,"confidence":0.9751491,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.036195307970047},{"word":"this","start":114.799995,"end":115.03999,"confidence":0.7003682,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.0011555179953575134},{"word":"over","start":115.03999,"end":115.28,"confidence":0.77285975,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.004054844379425049},{"word":"the","start":115.28,"end":115.439995,"confidence":0.99633944,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0008631274104118347},{"word":"last","start":115.439995,"end":115.6,"confidence":0.99865615,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.0004588738083839417},{"word":"couple","start":115.6,"end":115.92,"confidence":0.99913174,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.02494264766573906},{"word":"of","start":115.92,"end":116.0,"confidence":0.99713206,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02761034667491913},{"word":"weeks","start":116.0,"end":116.32,"confidence":0.7851075,"punctuated_word":"weeks.","sentiment":"neutral","sentiment_score":-0.01278987154364586},{"word":"and","start":116.32,"end":116.82,"confidence":0.9968264,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.018968410789966583},{"word":"with","start":117.215,"end":117.454994,"confidence":0.99893755,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.08305983245372772},{"word":"the","start":117.454994,"end":117.774994,"confidence":0.9955509,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06505865603685379},{"word":"stock","start":117.774994,"end":118.015,"confidence":0.9852019,"punctuated_word":"stock","sentiment":"neutral","sentiment_score":-0.04782237112522125},{"word":"market","start":118.015,"end":118.335,"confidence":0.9997223,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.059671565890312195},{"word":"going","start":118.335,"end":118.655,"confidence":0.9959567,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.08053629100322723},{"word":"pretty","start":118.655,"end":118.975,"confidence":0.99873775,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":-0.097194142639637},{"word":"crazy","start":118.975,"end":119.295,"confidence":0.9941357,"punctuated_word":"crazy,","sentiment":"neutral","sentiment_score":-0.06910264492034912},{"word":"i","start":119.295,"end":119.375,"confidence":0.9985222,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0937681645154953},{"word":"was","start":119.375,"end":119.534996,"confidence":0.9833075,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.102940171957016},{"word":"a","start":119.534996,"end":119.615,"confidence":0.9969676,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0880880355834961},{"word":"bit","start":119.615,"end":119.774994,"confidence":0.99810493,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.102317675948143},{"word":"worried","start":119.774994,"end":120.174995,"confidence":0.99979824,"punctuated_word":"worried","sentiment":"neutral","sentiment_score":-0.07866565883159637},{"word":"about","start":120.174995,"end":120.575,"confidence":0.99976593,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.12275160104036333},{"word":"your","start":120.575,"end":120.895,"confidence":0.99954504,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.11576656252145769},{"word":"risk","start":120.895,"end":121.215,"confidence":0.99978155,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.10196578502655028},{"word":"level","start":121.215,"end":121.715,"confidence":0.7719088,"punctuated_word":"level,","sentiment":"neutral","sentiment_score":-0.06937043368816376},{"word":"but","start":121.935,"end":122.435,"confidence":0.99808735,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.01456879824399948},{"word":"you've","start":122.895,"end":123.134995,"confidence":0.9542446,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.08925670385360718},{"word":"actually","start":123.134995,"end":123.534996,"confidence":0.9948442,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.1164470985531807},{"word":"the","start":123.774994,"end":123.935,"confidence":0.38908374,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12642517685890198},{"word":"super","start":123.935,"end":124.255,"confidence":0.68518746,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.22757120430469513},{"word":"has","start":124.255,"end":124.41499,"confidence":0.54137695,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.1472305953502655},{"word":"grown","start":124.41499,"end":124.814995,"confidence":0.99863964,"punctuated_word":"grown","sentiment":"neutral","sentiment_score":0.19002608954906464},{"word":"from","start":124.814995,"end":125.314995,"confidence":0.99895394,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1636197865009308},{"word":"just","start":125.454994,"end":125.774994,"confidence":0.9992053,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1031065434217453},{"word":"over","start":125.774994,"end":126.174995,"confidence":0.9995995,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.1986861228942871},{"word":"80,000","start":126.174995,"end":126.91499,"confidence":0.9993002,"punctuated_word":"80,000","sentiment":"neutral","sentiment_score":0.13210614025592804},{"word":"to","start":127.215,"end":127.615,"confidence":0.99630934,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09744607657194138},{"word":"89,000","start":127.615,"end":128.675,"confidence":0.9993655,"punctuated_word":"89,000","sentiment":"neutral","sentiment_score":0.06176280230283737},{"word":"as","start":128.97499,"end":129.215,"confidence":0.9856554,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.06687939167022705},{"word":"of","start":129.215,"end":129.375,"confidence":0.99943,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05120078846812248},{"word":"today","start":129.375,"end":129.875,"confidence":0.9863924,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":0.03798297792673111},{"word":"so","start":132.75,"end":132.91,"confidence":0.97307354,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.606536865234375},{"word":"it's","start":132.91,"end":133.23,"confidence":0.99842834,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.7698296904563904},{"word":"done","start":133.23,"end":133.47,"confidence":0.99238235,"punctuated_word":"done","sentiment":"positive","sentiment_score":0.8170047402381897},{"word":"pretty","start":133.47,"end":133.71,"confidence":0.9998424,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.8341909646987915},{"word":"well","start":133.71,"end":134.21,"confidence":0.9868317,"punctuated_word":"well.","sentiment":"positive","sentiment_score":0.7941457033157349},{"word":"just","start":134.43,"end":134.67,"confidence":0.7165105,"punctuated_word":"Just","sentiment":"positive","sentiment_score":0.5700891017913818},{"word":"to","start":134.67,"end":134.83,"confidence":0.9807484,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2955820560455322},{"word":"quickly","start":134.83,"end":135.07,"confidence":0.99880874,"punctuated_word":"quickly","sentiment":"positive","sentiment_score":0.33768776059150696},{"word":"go","start":135.07,"end":135.31,"confidence":0.9650944,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.29221540689468384},{"word":"over","start":135.31,"end":135.47,"confidence":0.92511386,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.28213152289390564},{"word":"performance","start":135.47,"end":135.97,"confidence":0.9363655,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.2573031485080719},{"word":"with","start":136.11,"end":136.27,"confidence":0.87426287,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.23413915932178497},{"word":"you","start":136.27,"end":136.67,"confidence":0.99990296,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.22706013917922976},{"word":"because","start":136.67,"end":136.99,"confidence":0.48748183,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.21308159828186035},{"word":"that's","start":136.99,"end":137.49,"confidence":0.9991784,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.3003552556037903},{"word":"one","start":137.71,"end":137.87,"confidence":0.99593425,"punctuated_word":"one","sentiment":"positive","sentiment_score":0.3501843214035034},{"word":"thing","start":137.87,"end":138.03,"confidence":0.9994517,"punctuated_word":"thing","sentiment":"positive","sentiment_score":0.3653261959552765},{"word":"i","start":138.03,"end":138.19,"confidence":0.99888533,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2569359838962555},{"word":"wanted","start":138.19,"end":138.51,"confidence":0.9994394,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.2672208249568939},{"word":"to","start":138.51,"end":138.67,"confidence":0.9994229,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22896388173103333},{"word":"just","start":138.67,"end":138.91,"confidence":0.9977864,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.22705510258674624},{"word":"really","start":138.91,"end":139.15,"confidence":0.999091,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.20388735830783844},{"word":"touch","start":139.15,"end":139.39,"confidence":0.9992493,"punctuated_word":"touch","sentiment":"neutral","sentiment_score":0.21077148616313937},{"word":"on","start":139.39,"end":139.55,"confidence":0.9969415,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.23863649368286133},{"word":"with","start":139.55,"end":139.79,"confidence":0.99786735,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.24915771186351776},{"word":"you","start":139.79,"end":139.95,"confidence":0.9992797,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2735615670681},{"word":"today","start":139.95,"end":140.45,"confidence":0.8182066,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.25031644105911255},{"word":"and","start":140.83,"end":140.99,"confidence":0.97132415,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1716211885213852},{"word":"then","start":140.99,"end":141.15,"confidence":0.99688333,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.19575093686580655},{"word":"i'm","start":141.15,"end":141.31,"confidence":0.9995185,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.13389621675014496},{"word":"gonna","start":141.31,"end":141.63,"confidence":0.90114826,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.12003915011882782},{"word":"update","start":141.63,"end":141.95,"confidence":0.99859303,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.08559456467628479},{"word":"a","start":141.95,"end":142.03,"confidence":0.98794776,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09848114848136902},{"word":"few","start":142.03,"end":142.35,"confidence":0.999912,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.07860439270734787},{"word":"details","start":142.35,"end":142.83,"confidence":0.98153764,"punctuated_word":"details.","sentiment":"neutral","sentiment_score":0.0836721658706665},{"word":"but","start":142.83,"end":143.33,"confidence":0.9989593,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.1483730524778366},{"word":"most","start":143.625,"end":143.745,"confidence":0.99924785,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.21763598918914795},{"word":"of","start":143.745,"end":143.86499,"confidence":0.99994326,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19045279920101169},{"word":"the","start":143.86499,"end":144.265,"confidence":0.9998629,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1653016060590744},{"word":"investment","start":144.265,"end":144.665,"confidence":0.99892515,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.1418413072824478},{"word":"options","start":144.665,"end":145.06499,"confidence":0.9980161,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.08763671666383743},{"word":"that","start":145.06499,"end":145.14499,"confidence":0.99987376,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1661602109670639},{"word":"you've","start":145.14499,"end":145.385,"confidence":0.99937856,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.16044515371322632},{"word":"been","start":145.385,"end":145.625,"confidence":0.99992025,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.13277432322502136},{"word":"having","start":145.625,"end":146.125,"confidence":0.9996954,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.14327706396579742},{"word":"in","start":146.185,"end":146.42499,"confidence":0.99930656,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1469942331314087},{"word":"your","start":146.42499,"end":146.665,"confidence":0.99968565,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1607975959777832},{"word":"portfolio","start":146.665,"end":147.14499,"confidence":0.86353886,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.16237911581993103},{"word":"because","start":147.14499,"end":147.305,"confidence":0.99588794,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.17597651481628418},{"word":"there's","start":147.305,"end":147.545,"confidence":0.9983751,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.25523170828819275},{"word":"about","start":147.545,"end":147.78499,"confidence":0.9988524,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.22330813109874725},{"word":"eight","start":147.78499,"end":147.94499,"confidence":0.9988625,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.2636226713657379},{"word":"or","start":147.94499,"end":148.105,"confidence":0.9983681,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.17087483406066897},{"word":"nine","start":148.105,"end":148.265,"confidence":0.99965763,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.2589349150657654},{"word":"of","start":148.265,"end":148.42499,"confidence":0.9983911,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16924363374710083},{"word":"them","start":148.42499,"end":148.825,"confidence":0.99950624,"punctuated_word":"them","sentiment":"neutral","sentiment_score":0.2272181659936905},{"word":"that","start":148.825,"end":148.985,"confidence":0.9877978,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2160789966583252},{"word":"we've","start":148.985,"end":149.22499,"confidence":0.82853,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.3016800880432129},{"word":"put","start":149.22499,"end":149.465,"confidence":0.9997756,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.42083740234375},{"word":"together","start":149.465,"end":149.78499,"confidence":0.9998293,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.33231115341186523},{"word":"for","start":149.78499,"end":150.025,"confidence":0.99964917,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2967512011528015},{"word":"you","start":150.025,"end":150.525,"confidence":0.85152304,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.30172014236450195},{"word":"they've","start":150.905,"end":151.14499,"confidence":0.9983736,"punctuated_word":"they've","sentiment":"positive","sentiment_score":0.47914132475852966},{"word":"all","start":151.14499,"end":151.385,"confidence":0.9996326,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.4118902385234833},{"word":"had","start":151.385,"end":151.70499,"confidence":0.9992343,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.4419704079627991},{"word":"pretty","start":151.70499,"end":152.105,"confidence":0.99791235,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.5306403040885925},{"word":"solid","start":152.105,"end":152.58499,"confidence":0.9996086,"punctuated_word":"solid","sentiment":"positive","sentiment_score":0.5696619153022766},{"word":"double","start":152.58499,"end":152.825,"confidence":0.99696416,"punctuated_word":"double","sentiment":"positive","sentiment_score":0.6264588236808777},{"word":"digit","start":152.825,"end":153.22499,"confidence":0.999718,"punctuated_word":"digit","sentiment":"positive","sentiment_score":0.5986276865005493},{"word":"growth","start":153.22499,"end":153.545,"confidence":0.998931,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.6218356490135193},{"word":"for","start":153.545,"end":153.70499,"confidence":0.9967818,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5052250027656555},{"word":"the","start":153.70499,"end":153.86499,"confidence":0.99963975,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4902993738651275},{"word":"year","start":153.86499,"end":154.36499,"confidence":0.96491265,"punctuated_word":"year.","sentiment":"positive","sentiment_score":0.4046957492828369},{"word":"only","start":155.14499,"end":155.625,"confidence":0.95165914,"punctuated_word":"Only","sentiment":"neutral","sentiment_score":0.10820692032575609},{"word":"some","start":155.625,"end":155.94499,"confidence":0.9902215,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.11519594490528108},{"word":"cybersecurity","start":155.94499,"end":156.44499,"confidence":0.7897816,"punctuated_word":"cybersecurity","sentiment":"neutral","sentiment_score":0.08395043760538101},{"word":"shares","start":156.825,"end":157.14499,"confidence":0.9971418,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":0.056325763463974},{"word":"went","start":157.14499,"end":157.385,"confidence":0.9995472,"punctuated_word":"went","sentiment":"neutral","sentiment_score":0.06305620074272156},{"word":"down","start":157.385,"end":157.70499,"confidence":0.9995043,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.0018190667033195496},{"word":"3%","start":157.70499,"end":158.345,"confidence":0.97798574,"punctuated_word":"3%,","sentiment":"neutral","sentiment_score":-0.00825865101069212},{"word":"but","start":158.345,"end":158.64,"confidence":0.9992761,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.02614470198750496},{"word":"mostly","start":158.8,"end":159.12,"confidence":0.9990005,"punctuated_word":"mostly","sentiment":"neutral","sentiment_score":0.08993697166442871},{"word":"everything's","start":159.12,"end":159.52,"confidence":0.86211896,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":0.1281152367591858},{"word":"been","start":159.52,"end":159.76,"confidence":0.99813265,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.1418081820011139},{"word":"going","start":159.76,"end":160.0,"confidence":0.9993486,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2541528642177582},{"word":"up","start":160.0,"end":160.24,"confidence":0.99893314,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1917169839143753},{"word":"about","start":160.24,"end":160.64,"confidence":0.99467754,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13572701811790466},{"word":"14","start":160.64,"end":161.04,"confidence":0.99870944,"punctuated_word":"14","sentiment":"neutral","sentiment_score":0.16404618322849274},{"word":"to","start":161.04,"end":161.2,"confidence":0.8456278,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.033971674740314484},{"word":"16%","start":161.2,"end":162.26,"confidence":0.9804973,"punctuated_word":"16%.","sentiment":"neutral","sentiment_score":0.11211399734020232},{"word":"and","start":162.72,"end":163.22,"confidence":0.997886,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04949979484081268},{"word":"you","start":163.44,"end":163.76,"confidence":0.99816316,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06312870979309082},{"word":"possibly","start":163.76,"end":164.24,"confidence":0.9922161,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.05021486431360245},{"word":"would","start":164.24,"end":164.4,"confidence":0.9992642,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.0633048564195633},{"word":"have","start":164.4,"end":164.56,"confidence":0.8791461,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.057464275509119034},{"word":"gotten","start":164.56,"end":164.88,"confidence":0.9986733,"punctuated_word":"gotten","sentiment":"neutral","sentiment_score":0.05384734272956848},{"word":"an","start":164.88,"end":165.12,"confidence":0.9995389,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.029805468395352364},{"word":"email","start":165.12,"end":165.62,"confidence":0.9996824,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.03989914059638977},{"word":"over","start":166.08,"end":166.31999,"confidence":0.99521106,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.03251916915178299},{"word":"the","start":166.31999,"end":166.48,"confidence":0.99947816,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03180790692567825},{"word":"last","start":166.48,"end":166.72,"confidence":0.9997099,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.042062532156705856},{"word":"few","start":166.72,"end":166.95999,"confidence":0.999329,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.03461712226271629},{"word":"months","start":166.95999,"end":167.45999,"confidence":0.999739,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.030271245166659355},{"word":"about","start":167.68,"end":167.92,"confidence":0.99786866,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.03234707564115524},{"word":"a","start":167.92,"end":168.24,"confidence":0.997982,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03708392754197121},{"word":"a","start":168.24,"end":168.31999,"confidence":0.6792071,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03038948029279709},{"word":"record","start":168.31999,"end":168.8,"confidence":0.59809685,"punctuated_word":"record","sentiment":"neutral","sentiment_score":0.026338962838053703},{"word":"of","start":168.8,"end":168.95999,"confidence":0.97548157,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03512537479400635},{"word":"advice","start":168.95999,"end":169.36,"confidence":0.9881281,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.02424181252717972},{"word":"or","start":169.36,"end":169.52,"confidence":0.9890848,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02487524226307869},{"word":"an","start":169.52,"end":169.76,"confidence":0.9946662,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.02723619155585766},{"word":"roi","start":169.76,"end":170.26,"confidence":0.9852168,"punctuated_word":"ROI.","sentiment":"neutral","sentiment_score":0.02803088910877705},{"word":"do","start":170.48,"end":170.56,"confidence":0.9808574,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.01129559613764286},{"word":"you","start":170.56,"end":170.64,"confidence":0.9990393,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.018288372084498405},{"word":"remember","start":170.64,"end":171.12,"confidence":0.99949074,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":0.01915609836578369},{"word":"seeing","start":171.12,"end":171.36,"confidence":0.99590945,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":0.0111989825963974},{"word":"that","start":171.36,"end":171.6,"confidence":0.9996456,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007476307451725006},{"word":"come","start":171.6,"end":171.76,"confidence":0.9972167,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.003404360264539718},{"word":"through","start":171.76,"end":172.26,"confidence":0.99917567,"punctuated_word":"through?","sentiment":"neutral","sentiment_score":0.010780209675431252},{"word":"yep","start":176.155,"end":176.395,"confidence":0.9796828,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05545441433787346},{"word":"so","start":176.395,"end":176.795,"confidence":0.99870074,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.025319021195173264},{"word":"just","start":176.795,"end":177.035,"confidence":0.99731785,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03774049133062363},{"word":"to","start":177.035,"end":177.115,"confidence":0.99245715,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.017220720648765564},{"word":"let","start":177.115,"end":177.27501,"confidence":0.99994016,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.028413809835910797},{"word":"you","start":177.27501,"end":177.35501,"confidence":0.99896574,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.023299511522054672},{"word":"know","start":177.35501,"end":177.595,"confidence":0.9997589,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.02326389029622078},{"word":"what","start":177.595,"end":177.755,"confidence":0.9973139,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.00897764042019844},{"word":"happened","start":177.755,"end":178.155,"confidence":0.999398,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":0.00621432438492775},{"word":"there","start":178.155,"end":178.655,"confidence":0.9203657,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.021352972835302353},{"word":"one","start":178.795,"end":179.035,"confidence":0.9994764,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.022594623267650604},{"word":"of","start":179.035,"end":179.195,"confidence":0.9999119,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0086672343313694},{"word":"the","start":179.195,"end":179.35501,"confidence":0.99966145,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.00969592109322548},{"word":"investment","start":179.35501,"end":179.835,"confidence":0.9995129,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.025748105719685555},{"word":"options","start":179.835,"end":180.315,"confidence":0.9997067,"punctuated_word":"options","sentiment":"neutral","sentiment_score":-0.021840261295437813},{"word":"was","start":180.315,"end":180.63501,"confidence":0.9941251,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.026296677067875866},{"word":"flagged","start":180.63501,"end":181.13501,"confidence":0.95294034,"punctuated_word":"flagged","sentiment":"neutral","sentiment_score":-0.049461476504802704},{"word":"company","start":181.27501,"end":181.675,"confidence":0.9964804,"punctuated_word":"company","sentiment":"neutral","sentiment_score":-0.04582685232162475},{"word":"wide","start":181.675,"end":182.175,"confidence":0.9048621,"punctuated_word":"wide.","sentiment":"neutral","sentiment_score":-0.04693065583705902},{"word":"you","start":183.035,"end":183.195,"confidence":0.87794673,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.029410140588879585},{"word":"had","start":183.195,"end":183.695,"confidence":0.999316,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.022880878299474716},{"word":"two","start":183.91501,"end":184.395,"confidence":0.8216698,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.020712530240416527},{"word":"australian","start":184.395,"end":184.895,"confidence":0.9990607,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.009359568357467651},{"word":"shares","start":185.115,"end":185.435,"confidence":0.96996206,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":-0.01852315478026867},{"word":"options","start":185.435,"end":185.935,"confidence":0.9606565,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":-0.009172173216938972},{"word":"one","start":185.99501,"end":186.235,"confidence":0.998254,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.0116643738001585},{"word":"was","start":186.235,"end":186.475,"confidence":0.9809606,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.007782675325870514},{"word":"betashares","start":186.475,"end":186.975,"confidence":0.7722246,"punctuated_word":"BetaShares,","sentiment":"neutral","sentiment_score":0.01212823111563921},{"word":"one","start":187.115,"end":187.35501,"confidence":0.99707735,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.01375596970319748},{"word":"was","start":187.35501,"end":187.515,"confidence":0.7937708,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.004781033843755722},{"word":"benelon","start":187.515,"end":188.015,"confidence":0.8316539,"punctuated_word":"Benelon.","sentiment":"neutral","sentiment_score":0.00661444803699851},{"word":"betashares","start":188.92,"end":189.42,"confidence":0.9934442,"punctuated_word":"BetaShares","sentiment":"neutral","sentiment_score":0.023819278925657272},{"word":"is","start":189.56,"end":189.64,"confidence":0.49236056,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.16981929540634155},{"word":"doing","start":189.64,"end":189.95999,"confidence":0.9996507,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.2003760039806366},{"word":"fantastic","start":189.95999,"end":190.45999,"confidence":0.918807,"punctuated_word":"fantastic,","sentiment":"neutral","sentiment_score":0.19310887157917023},{"word":"but","start":190.52,"end":190.68,"confidence":0.99461585,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.02015981078147888},{"word":"that","start":190.68,"end":190.92,"confidence":0.99686146,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13436740636825562},{"word":"benelon","start":190.92,"end":191.42,"confidence":0.98165137,"punctuated_word":"Benelon","sentiment":"neutral","sentiment_score":-0.19658729434013367},{"word":"option","start":191.48,"end":191.98,"confidence":0.9245491,"punctuated_word":"option,","sentiment":"neutral","sentiment_score":-0.2597831189632416},{"word":"we","start":192.36,"end":192.68,"confidence":0.9997017,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.09714066237211227},{"word":"flagged","start":192.68,"end":193.08,"confidence":0.8726701,"punctuated_word":"flagged","sentiment":"neutral","sentiment_score":-0.2310788929462433},{"word":"some","start":193.08,"end":193.48,"confidence":0.9975684,"punctuated_word":"some","sentiment":"negative","sentiment_score":-0.3505527973175049},{"word":"significant","start":193.48,"end":193.98,"confidence":0.9997795,"punctuated_word":"significant","sentiment":"negative","sentiment_score":-0.3454113006591797},{"word":"underperformance","start":194.04,"end":194.54,"confidence":0.9128374,"punctuated_word":"underperformance","sentiment":"negative","sentiment_score":-0.33573830127716064},{"word":"the","start":195.16,"end":195.31999,"confidence":0.96874344,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3477169871330261},{"word":"last","start":195.31999,"end":195.56,"confidence":0.9998331,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.22166961431503296},{"word":"couple","start":195.56,"end":195.88,"confidence":0.99975044,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.30629485845565796},{"word":"of","start":195.88,"end":196.04,"confidence":0.99893874,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2978610396385193},{"word":"years","start":196.04,"end":196.54,"confidence":0.85984623,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.2814403772354126},{"word":"and","start":196.84,"end":197.34,"confidence":0.9995127,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12612596154212952},{"word":"we","start":197.72,"end":198.04,"confidence":0.99959236,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.10226260125637054},{"word":"made","start":198.04,"end":198.28,"confidence":0.9992537,"punctuated_word":"made","sentiment":"neutral","sentiment_score":-0.07216449081897736},{"word":"a","start":198.28,"end":198.36,"confidence":0.9969414,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09284089505672456},{"word":"decision","start":198.36,"end":198.86,"confidence":0.9999374,"punctuated_word":"decision","sentiment":"neutral","sentiment_score":-0.06305742263793945},{"word":"on","start":198.92,"end":199.0,"confidence":0.9993585,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.08313482999801636},{"word":"the","start":199.0,"end":199.16,"confidence":0.62612015,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.11991703510284424},{"word":"licensee","start":199.16,"end":199.66,"confidence":0.66484326,"punctuated_word":"licensee","sentiment":"neutral","sentiment_score":-0.07122921943664551},{"word":"level","start":199.8,"end":200.3,"confidence":0.998806,"punctuated_word":"level","sentiment":"neutral","sentiment_score":-0.09297557920217514},{"word":"to","start":200.68,"end":201.0,"confidence":0.9915633,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.1074826642870903},{"word":"replace","start":201.0,"end":201.48,"confidence":0.9995003,"punctuated_word":"replace","sentiment":"neutral","sentiment_score":-0.08561934530735016},{"word":"that","start":201.48,"end":201.72,"confidence":0.9994273,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0839744582772255},{"word":"option","start":201.72,"end":202.04,"confidence":0.9994715,"punctuated_word":"option","sentiment":"neutral","sentiment_score":-0.10079939663410188},{"word":"across","start":202.04,"end":202.44,"confidence":0.9998747,"punctuated_word":"across","sentiment":"neutral","sentiment_score":-0.09647978842258452},{"word":"all","start":202.44,"end":202.68,"confidence":0.99216616,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.08856917917728424},{"word":"clients","start":202.68,"end":203.18,"confidence":0.9632409,"punctuated_word":"clients.","sentiment":"neutral","sentiment_score":-0.11149337887763976},{"word":"so","start":206.24501,"end":206.645,"confidence":0.99707127,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.0320897102355957},{"word":"normally","start":206.645,"end":206.96501,"confidence":0.6174663,"punctuated_word":"normally,","sentiment":"neutral","sentiment_score":-0.040040358901023865},{"word":"what","start":206.96501,"end":207.125,"confidence":0.9998652,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.023711957037448883},{"word":"would","start":207.125,"end":207.285,"confidence":0.99949837,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.013798393309116364},{"word":"happen","start":207.285,"end":207.52501,"confidence":0.99980015,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.029500529170036316},{"word":"is","start":207.52501,"end":207.68501,"confidence":0.99649495,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.005366593599319458},{"word":"if","start":207.68501,"end":207.845,"confidence":0.95591587,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.006676793098449707},{"word":"we","start":207.845,"end":207.925,"confidence":0.9993449,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0008730888366699219},{"word":"go","start":207.925,"end":208.085,"confidence":0.9997193,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.004332922399044037},{"word":"through","start":208.085,"end":208.24501,"confidence":0.9768679,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.02515053004026413},{"word":"a","start":208.24501,"end":208.40501,"confidence":0.8080761,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0023074522614479065},{"word":"review","start":208.40501,"end":208.88501,"confidence":0.9994747,"punctuated_word":"review","sentiment":"neutral","sentiment_score":-0.00891883671283722},{"word":"and","start":208.88501,"end":209.04501,"confidence":0.920416,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.00458979606628418},{"word":"we","start":209.04501,"end":209.285,"confidence":0.9995338,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.035847004503011703},{"word":"wanna","start":209.285,"end":209.52501,"confidence":0.6882894,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.06445368379354477},{"word":"update","start":209.52501,"end":209.845,"confidence":0.9983748,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.031286709010601044},{"word":"your","start":209.845,"end":210.085,"confidence":0.998796,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04927387088537216},{"word":"portfolio","start":210.085,"end":210.585,"confidence":0.99342996,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.01828065887093544},{"word":"we","start":210.645,"end":210.88501,"confidence":0.99555546,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.05684660002589226},{"word":"probably","start":210.88501,"end":211.205,"confidence":0.51479566,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.012183643877506256},{"word":"have","start":211.205,"end":211.365,"confidence":0.9941824,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.013578906655311584},{"word":"a","start":211.365,"end":211.445,"confidence":0.9951593,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01783093437552452},{"word":"bit","start":211.445,"end":211.68501,"confidence":0.9995074,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.01565062254667282},{"word":"of","start":211.68501,"end":211.76501,"confidence":0.999445,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.004622898995876312},{"word":"a","start":211.76501,"end":211.925,"confidence":0.99435955,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01007239893078804},{"word":"chat","start":211.925,"end":212.16501,"confidence":0.99793637,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.015131868422031404},{"word":"and","start":212.16501,"end":212.66501,"confidence":0.9876588,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.012804768979549408},{"word":"go","start":212.725,"end":212.88501,"confidence":0.99579054,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.02833665907382965},{"word":"through","start":212.88501,"end":213.125,"confidence":0.9997495,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.03706210106611252},{"word":"another","start":213.125,"end":213.445,"confidence":0.9994917,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.0004838258028030395},{"word":"statement","start":213.445,"end":213.76501,"confidence":0.999632,"punctuated_word":"statement","sentiment":"neutral","sentiment_score":0.02774873375892639},{"word":"of","start":213.76501,"end":213.925,"confidence":0.9969597,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007662415504455566},{"word":"advice","start":213.925,"end":214.32501,"confidence":0.99508697,"punctuated_word":"advice","sentiment":"neutral","sentiment_score":0.0057562291622161865},{"word":"and","start":214.32501,"end":214.485,"confidence":0.97053504,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.003783151507377625},{"word":"just","start":214.485,"end":214.725,"confidence":0.97845334,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.013091281056404114},{"word":"show","start":214.725,"end":214.88501,"confidence":0.9988003,"punctuated_word":"show","sentiment":"neutral","sentiment_score":0.023459218442440033},{"word":"you","start":214.88501,"end":215.38501,"confidence":0.9989071,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02627623081207275},{"word":"what","start":215.445,"end":215.60501,"confidence":0.9995964,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.011120248585939407},{"word":"we're","start":215.60501,"end":215.845,"confidence":0.9997107,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.005543328821659088},{"word":"looking","start":215.845,"end":216.16501,"confidence":0.9999125,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.001505233347415924},{"word":"to","start":216.16501,"end":216.32501,"confidence":0.99829715,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.010148182511329653},{"word":"change","start":216.32501,"end":216.82501,"confidence":0.9676241,"punctuated_word":"change.","sentiment":"neutral","sentiment_score":0.019152753055095673},{"word":"but","start":217.13,"end":217.29001,"confidence":0.99948645,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.03660675883293152},{"word":"this","start":217.29001,"end":217.53,"confidence":0.99894685,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.08797700703144073},{"word":"one","start":217.53,"end":217.77,"confidence":0.9727656,"punctuated_word":"one,","sentiment":"neutral","sentiment_score":-0.11259369552135468},{"word":"we","start":217.77,"end":218.01001,"confidence":0.9992974,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.15591372549533844},{"word":"were","start":218.01001,"end":218.09,"confidence":0.9901597,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.15160509943962097},{"word":"just","start":218.09,"end":218.33,"confidence":0.9997265,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.18653470277786255},{"word":"worried","start":218.33,"end":218.73,"confidence":0.99982446,"punctuated_word":"worried","sentiment":"neutral","sentiment_score":-0.20167745649814608},{"word":"about","start":218.73,"end":218.97,"confidence":0.9997012,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.25446274876594543},{"word":"it","start":218.97,"end":219.47,"confidence":0.9981021,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2861446738243103},{"word":"being","start":219.85,"end":220.35,"confidence":0.9963948,"punctuated_word":"being","sentiment":"neutral","sentiment_score":-0.2457905411720276},{"word":"quite","start":220.49,"end":220.73,"confidence":0.9992545,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.30301088094711304},{"word":"a","start":220.73,"end":220.81,"confidence":0.9998548,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.27656713128089905},{"word":"lot","start":220.81,"end":221.05,"confidence":0.9998672,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.31295856833457947},{"word":"more","start":221.05,"end":221.29001,"confidence":0.99971133,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.2501823604106903},{"word":"volatile","start":221.29001,"end":221.79001,"confidence":0.99965084,"punctuated_word":"volatile","sentiment":"neutral","sentiment_score":-0.2650843858718872},{"word":"than","start":222.33,"end":222.81,"confidence":0.9976496,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.3190014362335205},{"word":"all","start":222.81,"end":223.05,"confidence":0.99914896,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.32687968015670776},{"word":"the","start":223.05,"end":223.13,"confidence":0.99880385,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.28079089522361755},{"word":"other","start":223.13,"end":223.61,"confidence":0.9984668,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.2808387577533722},{"word":"australian","start":223.61,"end":224.11,"confidence":0.99626666,"punctuated_word":"Australian","sentiment":"neutral","sentiment_score":-0.20482930541038513},{"word":"shares","start":224.17,"end":224.49,"confidence":0.95930225,"punctuated_word":"shares","sentiment":"neutral","sentiment_score":-0.2259589284658432},{"word":"options","start":224.49,"end":224.89,"confidence":0.87761617,"punctuated_word":"options.","sentiment":"neutral","sentiment_score":-0.1977487355470657},{"word":"so","start":224.89,"end":225.05,"confidence":0.9995871,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.15344597399234772},{"word":"that","start":225.05,"end":225.29001,"confidence":0.9994593,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.2441694140434265},{"word":"one","start":225.29001,"end":225.79001,"confidence":0.99960774,"punctuated_word":"one","sentiment":"negative","sentiment_score":-0.34018149971961975},{"word":"was","start":226.25,"end":226.49,"confidence":0.9954482,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.23623451590538025},{"word":"dropping","start":226.49,"end":226.89,"confidence":0.99957746,"punctuated_word":"dropping","sentiment":"neutral","sentiment_score":-0.212996706366539},{"word":"about","start":226.89,"end":227.21,"confidence":0.97902864,"punctuated_word":"about","sentiment":"negative","sentiment_score":-0.37621408700942993},{"word":"14%","start":227.21,"end":228.01001,"confidence":0.9872407,"punctuated_word":"14%,","sentiment":"neutral","sentiment_score":-0.26343026757240295},{"word":"which","start":228.01001,"end":228.17,"confidence":0.99984276,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.30748504400253296},{"word":"was","start":228.17,"end":228.41,"confidence":0.9993536,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.3788180947303772},{"word":"pretty","start":228.41,"end":228.65001,"confidence":0.99967015,"punctuated_word":"pretty","sentiment":"negative","sentiment_score":-0.3884450793266296},{"word":"heavy","start":228.65001,"end":229.15001,"confidence":0.9992491,"punctuated_word":"heavy.","sentiment":"neutral","sentiment_score":-0.25212591886520386},{"word":"we","start":229.70499,"end":230.20499,"confidence":0.99752957,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.04747406393289566},{"word":"pushed","start":230.905,"end":231.22499,"confidence":0.29239333,"punctuated_word":"pushed","sentiment":"neutral","sentiment_score":0.30729764699935913},{"word":"it","start":231.22499,"end":231.305,"confidence":0.6691755,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.32960405945777893},{"word":"out","start":231.305,"end":231.625,"confidence":0.9614067,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.33565250039100647},{"word":"for","start":231.625,"end":232.125,"confidence":0.9548416,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.41532209515571594},{"word":"another","start":232.745,"end":233.245,"confidence":0.75153035,"punctuated_word":"another","sentiment":"positive","sentiment_score":0.3920438885688782},{"word":"australian","start":233.305,"end":233.78499,"confidence":0.7523169,"punctuated_word":"Australian","sentiment":"positive","sentiment_score":0.4781956374645233},{"word":"share","start":233.78499,"end":234.185,"confidence":0.3564206,"punctuated_word":"share","sentiment":"neutral","sentiment_score":0.33290666341781616},{"word":"etf","start":234.185,"end":234.685,"confidence":0.566836,"punctuated_word":"ETF,","sentiment":"positive","sentiment_score":0.36255306005477905},{"word":"and","start":235.22499,"end":235.545,"confidence":0.9996486,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3748655915260315},{"word":"it's","start":235.545,"end":235.78499,"confidence":0.99900293,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.4734652936458587},{"word":"already","start":235.78499,"end":236.105,"confidence":0.99969435,"punctuated_word":"already","sentiment":"positive","sentiment_score":0.5539649128913879},{"word":"jumped","start":236.105,"end":236.42499,"confidence":0.99868137,"punctuated_word":"jumped","sentiment":"positive","sentiment_score":0.637252688407898},{"word":"up","start":236.42499,"end":236.58499,"confidence":0.9983865,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.6325936317443848},{"word":"another","start":236.58499,"end":236.905,"confidence":0.9985941,"punctuated_word":"another","sentiment":"positive","sentiment_score":0.5067464113235474},{"word":"3%","start":236.905,"end":237.625,"confidence":0.99534917,"punctuated_word":"3%","sentiment":"positive","sentiment_score":0.5265482664108276},{"word":"to","start":237.625,"end":237.70499,"confidence":0.4620817,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.45894521474838257},{"word":"kind","start":237.70499,"end":237.94499,"confidence":0.9868885,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.4226876199245453},{"word":"of","start":237.94499,"end":238.105,"confidence":0.99778205,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4809323847293854},{"word":"make","start":238.105,"end":238.34499,"confidence":0.9967415,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.5031436085700989},{"word":"that","start":238.34499,"end":238.50499,"confidence":0.99888057,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4284822344779968},{"word":"back","start":238.50499,"end":239.00499,"confidence":0.9666082,"punctuated_word":"back.","sentiment":"positive","sentiment_score":0.34288859367370605},{"word":"and","start":241.06499,"end":241.22499,"confidence":0.5245345,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.45041483640670776},{"word":"so","start":241.22499,"end":241.465,"confidence":0.9797406,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5197097063064575},{"word":"it's","start":241.465,"end":241.625,"confidence":0.7188611,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.5298119783401489},{"word":"really","start":241.625,"end":241.86499,"confidence":0.85840535,"punctuated_word":"really,","sentiment":"positive","sentiment_score":0.4885428547859192},{"word":"you","start":241.86499,"end":242.025,"confidence":0.99800295,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.47457820177078247},{"word":"know","start":242.025,"end":242.185,"confidence":0.9833117,"punctuated_word":"know,","sentiment":"positive","sentiment_score":0.446552574634552},{"word":"that","start":242.185,"end":242.685,"confidence":0.886342,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.4250080585479736},{"word":"as","start":242.92,"end":243.15999,"confidence":0.999655,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.4214637279510498},{"word":"far","start":243.15999,"end":243.56,"confidence":0.99949634,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.3130148947238922},{"word":"as","start":243.56,"end":243.72,"confidence":0.9955426,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.3890839219093323},{"word":"i","start":243.72,"end":243.79999,"confidence":0.999091,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3900757431983948},{"word":"can","start":243.79999,"end":244.04,"confidence":0.9910336,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.313915491104126},{"word":"see","start":244.04,"end":244.28,"confidence":0.99242496,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.3585270345211029},{"word":"it","start":244.28,"end":244.59999,"confidence":0.9881569,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.3721526861190796},{"word":"if","start":244.59999,"end":244.76,"confidence":0.99843913,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.41810277104377747},{"word":"we","start":244.76,"end":244.92,"confidence":0.99888617,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.4383770823478699},{"word":"were","start":244.92,"end":245.08,"confidence":0.5872068,"punctuated_word":"were","sentiment":"positive","sentiment_score":0.3713385462760926},{"word":"to","start":245.08,"end":245.23999,"confidence":0.9979527,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.404768168926239},{"word":"maintain","start":245.23999,"end":245.64,"confidence":0.9961128,"punctuated_word":"maintain","sentiment":"neutral","sentiment_score":0.2849021553993225},{"word":"the","start":245.64,"end":245.79999,"confidence":0.99654645,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4350965917110443},{"word":"same","start":245.79999,"end":246.12,"confidence":0.9559957,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.4049792289733886},{"word":"risk","start":246.12,"end":246.62,"confidence":0.93164057,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.3091263175010681},{"word":"level","start":247.07999,"end":247.4,"confidence":0.9839889,"punctuated_word":"level,","sentiment":"positive","sentiment_score":0.37966036796569824},{"word":"everything's","start":247.4,"end":247.79999,"confidence":0.76365525,"punctuated_word":"everything's","sentiment":"positive","sentiment_score":0.5582348108291626},{"word":"looking","start":247.79999,"end":248.12,"confidence":0.99727124,"punctuated_word":"looking","sentiment":"positive","sentiment_score":0.4700220823287964},{"word":"pretty","start":248.12,"end":248.43999,"confidence":0.9995117,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.567945122718811},{"word":"good","start":248.43999,"end":248.59999,"confidence":0.99960977,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.4977464973926544},{"word":"across","start":248.59999,"end":248.92,"confidence":0.9997987,"punctuated_word":"across","sentiment":"positive","sentiment_score":0.5916886329650879},{"word":"the","start":248.92,"end":249.07999,"confidence":0.99971527,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6014445424079895},{"word":"whole","start":249.07999,"end":249.31999,"confidence":0.9999027,"punctuated_word":"whole","sentiment":"positive","sentiment_score":0.5149141550064087},{"word":"portfolio","start":249.31999,"end":249.81999,"confidence":0.9996389,"punctuated_word":"portfolio","sentiment":"positive","sentiment_score":0.3745211660861969},{"word":"now","start":249.95999,"end":250.45999,"confidence":0.99578047,"punctuated_word":"now.","sentiment":"positive","sentiment_score":0.42663806676864624},{"word":"thanks","start":252.59999,"end":253.09999,"confidence":0.72649854,"punctuated_word":"Thanks.","sentiment":"neutral","sentiment_score":0.22021642327308655},{"word":"so","start":253.79999,"end":254.04,"confidence":0.9567694,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.10580681264400482},{"word":"i","start":254.04,"end":254.12,"confidence":0.75764316,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06213604286313057},{"word":"guess","start":254.12,"end":254.43999,"confidence":0.99933016,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.07930147647857666},{"word":"in","start":254.43999,"end":254.68,"confidence":0.90430754,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07957549393177032},{"word":"percentage","start":254.68,"end":255.18,"confidence":0.9979365,"punctuated_word":"percentage","sentiment":"neutral","sentiment_score":0.1458008885383606},{"word":"terms","start":255.23999,"end":255.56,"confidence":0.78555226,"punctuated_word":"terms,","sentiment":"neutral","sentiment_score":0.08567657321691513},{"word":"because","start":255.56,"end":256.06,"confidence":0.9979475,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.030198346823453903},{"word":"we","start":256.12,"end":256.36,"confidence":0.9994056,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06667792797088623},{"word":"usually","start":256.36,"end":256.76,"confidence":0.99860305,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":0.08330725133419037},{"word":"compare","start":256.76,"end":257.16,"confidence":0.99520326,"punctuated_word":"compare","sentiment":"neutral","sentiment_score":0.07098959386348724},{"word":"this","start":257.16,"end":257.4,"confidence":0.9967128,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06986338645219803},{"word":"in","start":257.4,"end":257.56,"confidence":0.99599755,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06537400931119919},{"word":"percentage","start":257.56,"end":258.06,"confidence":0.9740338,"punctuated_word":"percentage,","sentiment":"neutral","sentiment_score":0.0932496190071106},{"word":"it's","start":258.825,"end":259.065,"confidence":0.9932039,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.17362213134765625},{"word":"been","start":259.065,"end":259.385,"confidence":0.9993223,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.17980322241783142},{"word":"just","start":259.385,"end":259.625,"confidence":0.99942327,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.18896719813346863},{"word":"under","start":259.625,"end":259.865,"confidence":0.9997075,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.20024374127388},{"word":"an","start":259.865,"end":260.025,"confidence":0.9885522,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.18713927268981936},{"word":"11%","start":260.025,"end":260.825,"confidence":0.9990562,"punctuated_word":"11%","sentiment":"neutral","sentiment_score":0.21508771181106567},{"word":"return","start":260.825,"end":261.305,"confidence":0.9985158,"punctuated_word":"return","sentiment":"neutral","sentiment_score":0.25380584597587585},{"word":"after","start":261.305,"end":261.705,"confidence":0.7443517,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.17221742868423462},{"word":"fees","start":261.705,"end":262.185,"confidence":0.67488444,"punctuated_word":"fees,","sentiment":"neutral","sentiment_score":0.15833145380020142},{"word":"and","start":262.185,"end":262.425,"confidence":0.9995896,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17719030380249023},{"word":"that's","start":262.425,"end":262.665,"confidence":0.99722993,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.254271000623703},{"word":"that","start":262.665,"end":262.905,"confidence":0.6130863,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24381062388420105},{"word":"80","start":262.905,"end":263.225,"confidence":0.9949131,"punctuated_word":"80","sentiment":"neutral","sentiment_score":0.2277650386095047},{"word":"to","start":263.225,"end":263.385,"confidence":0.9494783,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.19536569714546204},{"word":"89,000","start":263.385,"end":264.345,"confidence":0.98652023,"punctuated_word":"89,000.","sentiment":"neutral","sentiment_score":0.20760200917720795},{"word":"cool","start":264.345,"end":264.845,"confidence":0.7701878,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.756114661693573},{"word":"now","start":268.265,"end":268.665,"confidence":0.993707,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.08119717240333557},{"word":"when","start":268.665,"end":268.905,"confidence":0.96882254,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.05342138186097145},{"word":"i'm","start":268.905,"end":269.065,"confidence":0.9996904,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0498209074139595},{"word":"looking","start":269.065,"end":269.385,"confidence":0.9998093,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.02443566545844078},{"word":"at","start":269.385,"end":269.545,"confidence":0.99930775,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.01974978670477867},{"word":"it","start":269.545,"end":269.705,"confidence":0.8102016,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.03165196627378464},{"word":"though","start":269.705,"end":270.105,"confidence":0.99700516,"punctuated_word":"though,","sentiment":"neutral","sentiment_score":0.04670516029000282},{"word":"because","start":270.105,"end":270.425,"confidence":0.9997465,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.04203515499830246},{"word":"you've","start":270.425,"end":270.745,"confidence":0.99945694,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.05007145926356315},{"word":"got","start":270.745,"end":271.245,"confidence":0.9990632,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.0467657744884491},{"word":"about","start":271.86002,"end":272.26,"confidence":0.7151579,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.04015781730413437},{"word":"20%","start":272.26,"end":273.08002,"confidence":0.99886453,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":0.05945702642202377},{"word":"sorry","start":273.30002,"end":273.7,"confidence":0.8293382,"punctuated_word":"sorry,","sentiment":"neutral","sentiment_score":0.027096208184957504},{"word":"25%","start":273.7,"end":274.74,"confidence":0.9996808,"punctuated_word":"25%","sentiment":"neutral","sentiment_score":0.03939712792634964},{"word":"in","start":274.74,"end":275.06,"confidence":0.99725145,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03849496692419052},{"word":"fixed","start":275.06,"end":275.38,"confidence":0.9835517,"punctuated_word":"fixed","sentiment":"neutral","sentiment_score":0.015587646514177322},{"word":"interest","start":275.38,"end":275.88,"confidence":0.9784871,"punctuated_word":"interest,","sentiment":"neutral","sentiment_score":0.028232963755726814},{"word":"which","start":276.02002,"end":276.26,"confidence":0.99977976,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.020346317440271378},{"word":"is","start":276.26,"end":276.42,"confidence":0.9995448,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.027587315067648888},{"word":"kind","start":276.42,"end":276.66,"confidence":0.9919344,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03221072256565094},{"word":"of","start":276.66,"end":276.74,"confidence":0.9996737,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.023641660809516907},{"word":"like","start":276.74,"end":276.98,"confidence":0.84432304,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.037782806903123856},{"word":"your","start":276.98,"end":277.14,"confidence":0.96336937,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04776753857731819},{"word":"term","start":277.14,"end":277.38,"confidence":0.9917846,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.05067262053489685},{"word":"deposits","start":277.38,"end":277.86002,"confidence":0.9310479,"punctuated_word":"deposits,","sentiment":"neutral","sentiment_score":0.039802633225917816},{"word":"your","start":277.86002,"end":278.18,"confidence":0.8839786,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.049143943935632706},{"word":"safer","start":278.18,"end":278.5,"confidence":0.64211893,"punctuated_word":"safer","sentiment":"neutral","sentiment_score":0.04725228622555733},{"word":"investment","start":278.5,"end":279.0,"confidence":0.8735058,"punctuated_word":"investment,","sentiment":"neutral","sentiment_score":0.037694789469242096},{"word":"and","start":279.62,"end":279.86002,"confidence":0.9995408,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.026730233803391457},{"word":"the","start":279.86002,"end":279.94,"confidence":0.99942195,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.028623340651392937},{"word":"rest","start":279.94,"end":280.26,"confidence":0.99993455,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.02414348721504211},{"word":"of","start":280.26,"end":280.34,"confidence":0.99903536,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.026871412992477417},{"word":"it","start":280.34,"end":280.5,"confidence":0.99528605,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04397812485694885},{"word":"is","start":280.5,"end":280.66,"confidence":0.98994523,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02572735026478767},{"word":"split","start":280.66,"end":280.98,"confidence":0.99772924,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.030847426503896713},{"word":"between","start":280.98,"end":281.46,"confidence":0.85704374,"punctuated_word":"between,","sentiment":"neutral","sentiment_score":0.032457754015922546},{"word":"like","start":281.46,"end":281.7,"confidence":0.95455694,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.04471889138221741},{"word":"shares","start":281.7,"end":282.2,"confidence":0.984598,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.02959152869880199},{"word":"property","start":282.74,"end":283.24,"confidence":0.99120104,"punctuated_word":"property,","sentiment":"neutral","sentiment_score":0.036319632083177567},{"word":"gold","start":283.62,"end":283.94,"confidence":0.9554429,"punctuated_word":"gold,","sentiment":"neutral","sentiment_score":0.05288205295801163},{"word":"and","start":283.94,"end":284.18,"confidence":0.99908936,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.030526630580425262},{"word":"infrastructure","start":284.18,"end":284.68,"confidence":0.9375082,"punctuated_word":"infrastructure.","sentiment":"neutral","sentiment_score":0.040147922933101654},{"word":"there's","start":284.82,"end":285.14,"confidence":0.87932193,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.029179248958826065},{"word":"your","start":285.14,"end":285.30002,"confidence":0.99705327,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04616789519786835},{"word":"growth","start":285.30002,"end":285.62,"confidence":0.9738273,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.05692029744386673},{"word":"assets","start":285.62,"end":286.12,"confidence":0.9758909,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.03419797867536545},{"word":"so","start":286.495,"end":286.615,"confidence":0.98891556,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.029903769493103027},{"word":"it's","start":286.615,"end":286.735,"confidence":0.9591764,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.03149972856044769},{"word":"kind","start":286.735,"end":286.815,"confidence":0.99024475,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.03688907250761986},{"word":"of","start":286.815,"end":287.315,"confidence":0.9996039,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.030090315267443657},{"word":"a","start":287.69498,"end":287.85498,"confidence":0.9881712,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04502985626459122},{"word":"seventy","start":287.85498,"end":288.175,"confidence":0.99781907,"punctuated_word":"seventy","sentiment":"neutral","sentiment_score":0.026967525482177734},{"word":"five","start":288.175,"end":288.495,"confidence":0.99918836,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.02984280325472355},{"word":"twenty","start":288.495,"end":288.895,"confidence":0.6523104,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.025491420179605484},{"word":"five","start":288.895,"end":289.055,"confidence":0.99932384,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.030557114630937576},{"word":"split","start":289.055,"end":289.455,"confidence":0.99718773,"punctuated_word":"split.","sentiment":"neutral","sentiment_score":0.03691691532731056},{"word":"does","start":289.455,"end":289.69498,"confidence":0.9968839,"punctuated_word":"Does","sentiment":"neutral","sentiment_score":0.03949318081140518},{"word":"that","start":289.69498,"end":289.85498,"confidence":0.99975556,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.06784723699092865},{"word":"make","start":289.85498,"end":290.01498,"confidence":0.9737499,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.03846650570631027},{"word":"sense","start":290.01498,"end":290.51498,"confidence":0.99937284,"punctuated_word":"sense?","sentiment":"neutral","sentiment_score":0.04257507994771004},{"word":"yep","start":308.35,"end":308.85,"confidence":0.9514712,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10184415429830553},{"word":"yeah","start":316.60498,"end":317.10498,"confidence":0.9881131,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08548346161842346},{"word":"and","start":317.16498,"end":317.485,"confidence":0.994334,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08805200457572937},{"word":"when","start":317.485,"end":317.72498,"confidence":0.9992488,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.07278797030448914},{"word":"i","start":317.72498,"end":317.88498,"confidence":0.9998658,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08200312405824661},{"word":"look","start":317.88498,"end":318.04498,"confidence":0.9987307,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.06393647938966751},{"word":"at","start":318.04498,"end":318.205,"confidence":0.99969757,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.054568104445934296},{"word":"most","start":318.205,"end":318.44498,"confidence":0.9943541,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.06597541272640228},{"word":"of","start":318.44498,"end":318.525,"confidence":0.99929535,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07524590194225311},{"word":"these","start":318.525,"end":318.76498,"confidence":0.9993932,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.06875434517860413},{"word":"options","start":318.76498,"end":319.245,"confidence":0.79847044,"punctuated_word":"options,","sentiment":"neutral","sentiment_score":0.053525008261203766},{"word":"because","start":319.245,"end":319.565,"confidence":0.99964356,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.09257210791110992},{"word":"they're","start":319.565,"end":319.72498,"confidence":0.9333987,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.11005724966526031},{"word":"kind","start":319.72498,"end":319.965,"confidence":0.9969517,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.11298935115337372},{"word":"of","start":319.965,"end":320.125,"confidence":0.9991629,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11480103433132172},{"word":"index","start":320.125,"end":320.525,"confidence":0.89437854,"punctuated_word":"index","sentiment":"neutral","sentiment_score":0.09196743369102478},{"word":"funds","start":320.525,"end":321.025,"confidence":0.78878605,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.10055673122406006},{"word":"they're","start":321.405,"end":321.72498,"confidence":0.99930894,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.12624646723270416},{"word":"pretty","start":321.72498,"end":322.22498,"confidence":0.99991643,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.1597384363412857},{"word":"stable","start":322.685,"end":323.185,"confidence":0.62702894,"punctuated_word":"stable","sentiment":"neutral","sentiment_score":0.11686401069164276},{"word":"across","start":323.245,"end":323.645,"confidence":0.9996259,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.14914697408676147},{"word":"the","start":323.645,"end":323.805,"confidence":0.9995579,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14249779284000397},{"word":"board","start":323.805,"end":324.305,"confidence":0.97877884,"punctuated_word":"board.","sentiment":"neutral","sentiment_score":0.1442108303308487},{"word":"they're","start":324.79,"end":325.29,"confidence":0.90640426,"punctuated_word":"They're,","sentiment":"neutral","sentiment_score":0.07594858109951019},{"word":"i","start":325.43002,"end":325.59003,"confidence":0.9997284,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09725296497344972},{"word":"guess","start":325.59003,"end":325.99002,"confidence":0.9848933,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.08866219222545624},{"word":"what","start":325.99002,"end":326.23,"confidence":0.99975556,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.08718670904636383},{"word":"you","start":326.23,"end":326.39,"confidence":0.99972624,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.092256098985672},{"word":"would","start":326.39,"end":326.47,"confidence":0.80610967,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06711705029010773},{"word":"call","start":326.47,"end":326.71002,"confidence":0.9995534,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.06595218181610107},{"word":"like","start":326.71002,"end":326.87003,"confidence":0.525523,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06858917325735092},{"word":"a","start":326.87003,"end":327.03003,"confidence":0.9298312,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09536189585924149},{"word":"low","start":327.03003,"end":327.19,"confidence":0.99754107,"punctuated_word":"low","sentiment":"neutral","sentiment_score":0.04825177788734436},{"word":"risk","start":327.19,"end":327.59003,"confidence":0.99934965,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.016116619110107422},{"word":"version","start":327.59003,"end":328.07,"confidence":0.9445234,"punctuated_word":"version","sentiment":"neutral","sentiment_score":0.07032066583633423},{"word":"version","start":328.07,"end":328.39,"confidence":0.910304,"punctuated_word":"version","sentiment":"neutral","sentiment_score":0.06448186933994293},{"word":"of","start":328.39,"end":328.63,"confidence":0.99932194,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07227244228124619},{"word":"shares","start":328.63,"end":329.13,"confidence":0.8025857,"punctuated_word":"shares,","sentiment":"neutral","sentiment_score":0.046500928699970245},{"word":"whereas","start":329.91,"end":330.39,"confidence":0.99619955,"punctuated_word":"whereas","sentiment":"neutral","sentiment_score":0.03867974132299423},{"word":"you","start":330.39,"end":330.55002,"confidence":0.9695486,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06608697772026062},{"word":"can","start":330.55002,"end":330.71002,"confidence":0.99984276,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.05794539675116539},{"word":"go","start":330.71002,"end":330.95,"confidence":0.9998161,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.06401292979717255},{"word":"for","start":330.95,"end":331.11002,"confidence":0.98439133,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07362561672925949},{"word":"some","start":331.11002,"end":331.27002,"confidence":0.99990344,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.03388906270265579},{"word":"pretty","start":331.27002,"end":331.59003,"confidence":0.99910754,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.03812264651060104},{"word":"high","start":331.59003,"end":331.83002,"confidence":0.99967813,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.0023102089762687683},{"word":"risk","start":331.83002,"end":332.31003,"confidence":0.998961,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.02828267216682434},{"word":"versions","start":332.31003,"end":332.71002,"confidence":0.9984237,"punctuated_word":"versions","sentiment":"neutral","sentiment_score":0.04160818085074425},{"word":"of","start":332.71002,"end":332.87003,"confidence":0.9878379,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.057715725153684616},{"word":"the","start":332.87003,"end":333.03003,"confidence":0.99954504,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05641749128699303},{"word":"same","start":333.03003,"end":333.35,"confidence":0.99961877,"punctuated_word":"same","sentiment":"neutral","sentiment_score":0.05148833617568016},{"word":"investments","start":333.35,"end":333.85,"confidence":0.9309797,"punctuated_word":"investments.","sentiment":"neutral","sentiment_score":0.015385869890451431},{"word":"now","start":334.47,"end":334.97,"confidence":0.9991135,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.04529799520969391},{"word":"because","start":335.51,"end":336.01,"confidence":0.9092318,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.05440850928425789},{"word":"of","start":336.15002,"end":336.39,"confidence":0.9994388,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05904103443026543},{"word":"the","start":336.39,"end":336.55002,"confidence":0.9998136,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06706896424293518},{"word":"way","start":336.55002,"end":336.71002,"confidence":0.9997987,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.1118994951248169},{"word":"i","start":336.71002,"end":336.79,"confidence":0.9904755,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0776435062289238},{"word":"can","start":336.79,"end":337.03003,"confidence":0.99691796,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09570766985416412},{"word":"see","start":337.03003,"end":337.19,"confidence":0.9399029,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.10787993669509888},{"word":"that","start":337.19,"end":337.43002,"confidence":0.67839557,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09541501104831696},{"word":"asset","start":337.43002,"end":337.67,"confidence":0.7481634,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":0.04497415199875832},{"word":"allocation","start":337.67,"end":338.17,"confidence":0.92803574,"punctuated_word":"allocation","sentiment":"neutral","sentiment_score":0.065963514149189},{"word":"at","start":338.31003,"end":338.39,"confidence":0.9414123,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.054525673389434814},{"word":"the","start":338.39,"end":338.55002,"confidence":0.98437446,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0593019500374794},{"word":"moment","start":338.55002,"end":339.05002,"confidence":0.97488654,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.06615930795669556},{"word":"if","start":339.885,"end":340.125,"confidence":0.9931726,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.06740041822195053},{"word":"you","start":340.125,"end":340.20502,"confidence":0.9994832,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06137946620583534},{"word":"were","start":340.20502,"end":340.445,"confidence":0.7745014,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.028720952570438385},{"word":"wanting","start":340.445,"end":340.845,"confidence":0.996073,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.05140369385480881},{"word":"a","start":340.845,"end":340.92502,"confidence":0.9990758,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0698336586356163},{"word":"pretty","start":340.92502,"end":341.42502,"confidence":0.99985695,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.0952349603176117},{"word":"conservative","start":342.36502,"end":342.86502,"confidence":0.9997626,"punctuated_word":"conservative","sentiment":"neutral","sentiment_score":0.08005776256322861},{"word":"portfolio","start":343.08502,"end":343.58502,"confidence":0.9842731,"punctuated_word":"portfolio,","sentiment":"neutral","sentiment_score":0.04666432738304138},{"word":"you","start":343.64502,"end":343.80502,"confidence":0.9651961,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06011111289262771},{"word":"know","start":343.80502,"end":343.965,"confidence":0.8893235,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.04181007295846939},{"word":"like","start":343.965,"end":344.20502,"confidence":0.99767166,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.06850943714380264},{"word":"80%","start":344.20502,"end":344.92502,"confidence":0.7938328,"punctuated_word":"80%","sentiment":"neutral","sentiment_score":0.08245374262332916},{"word":"safe","start":344.92502,"end":345.245,"confidence":0.9730984,"punctuated_word":"safe,","sentiment":"neutral","sentiment_score":0.07625672221183777},{"word":"20%","start":345.245,"end":345.965,"confidence":0.99938786,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":0.10146404802799223},{"word":"high","start":345.965,"end":346.20502,"confidence":0.9240554,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.06236064434051514},{"word":"risk","start":346.20502,"end":346.70502,"confidence":0.9722334,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":0.05050203949213028},{"word":"i","start":346.92502,"end":347.08502,"confidence":0.99819595,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04906104505062103},{"word":"would","start":347.08502,"end":347.325,"confidence":0.9998586,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.04745795205235481},{"word":"probably","start":347.325,"end":347.565,"confidence":0.99875796,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.017918042838573456},{"word":"actually","start":347.565,"end":347.885,"confidence":0.98102176,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.03241445869207382},{"word":"look","start":347.885,"end":348.125,"confidence":0.998877,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.022607874125242233},{"word":"at","start":348.125,"end":348.36502,"confidence":0.9995378,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0023034587502479553},{"word":"switching","start":348.36502,"end":348.685,"confidence":0.9996222,"punctuated_word":"switching","sentiment":"neutral","sentiment_score":0.011030606925487518},{"word":"a","start":348.685,"end":348.845,"confidence":0.9989085,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.00889166072010994},{"word":"few","start":348.845,"end":349.08502,"confidence":0.9999404,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.004947274923324585},{"word":"things","start":349.08502,"end":349.405,"confidence":0.9994562,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.017734989523887634},{"word":"around","start":349.405,"end":349.725,"confidence":0.999574,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.0061128586530685425},{"word":"and","start":349.725,"end":349.885,"confidence":0.9653504,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01697884127497673},{"word":"bringing","start":349.885,"end":350.20502,"confidence":0.99615,"punctuated_word":"bringing","sentiment":"neutral","sentiment_score":-0.006489280611276627},{"word":"the","start":350.20502,"end":350.36502,"confidence":0.8053996,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.007176067680120468},{"word":"risk","start":350.36502,"end":350.86502,"confidence":0.61992973,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":-0.00009511224925518036},{"word":"yep","start":361.32,"end":361.82,"confidence":0.6831554,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1151520013809204},{"word":"yep","start":362.36002,"end":362.68002,"confidence":0.93303096,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1230119690299034},{"word":"now","start":362.68002,"end":363.0,"confidence":0.9627017,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.119435153901577},{"word":"to","start":363.0,"end":363.24002,"confidence":0.93938124,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09141221642494202},{"word":"kind","start":363.24002,"end":363.40002,"confidence":0.99313825,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.12063414603471756},{"word":"of","start":363.40002,"end":363.48,"confidence":0.99919134,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12610222399234772},{"word":"make","start":363.48,"end":363.72,"confidence":0.99902976,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.11648035049438477},{"word":"a","start":363.72,"end":363.80002,"confidence":0.9978719,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12802577018737793},{"word":"recommendation","start":363.80002,"end":364.30002,"confidence":0.9990403,"punctuated_word":"recommendation","sentiment":"neutral","sentiment_score":0.14618049561977386},{"word":"there","start":364.44,"end":364.68002,"confidence":0.9567797,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.12150175869464874},{"word":"i'll","start":364.68002,"end":364.84,"confidence":0.9986931,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.19073645770549777},{"word":"definitely","start":364.84,"end":365.24002,"confidence":0.99969137,"punctuated_word":"definitely","sentiment":"neutral","sentiment_score":0.23301973938941956},{"word":"do","start":365.24002,"end":365.74002,"confidence":0.99959797,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.20758935809135437},{"word":"a","start":365.91498,"end":365.995,"confidence":0.99958605,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20192831754684448},{"word":"bit","start":365.995,"end":366.235,"confidence":0.9999286,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2025212794542313},{"word":"of","start":366.235,"end":366.315,"confidence":0.9998623,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2176806926727295},{"word":"an","start":366.315,"end":366.475,"confidence":0.9998423,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.20395182073116305},{"word":"updated","start":366.475,"end":366.975,"confidence":0.9980716,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.18229685723781583},{"word":"portfolio","start":367.035,"end":367.535,"confidence":0.99898106,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.09694495797157288},{"word":"for","start":367.595,"end":367.755,"confidence":0.9987048,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1554725021123886},{"word":"you","start":367.755,"end":368.255,"confidence":0.9930609,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.13237647712230682},{"word":"one","start":368.315,"end":368.475,"confidence":0.9961324,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.08296404778957367},{"word":"thing","start":368.475,"end":368.715,"confidence":0.99756527,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.09799087047576904},{"word":"i","start":368.715,"end":368.79498,"confidence":0.99374515,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08216418325901031},{"word":"wanted","start":368.79498,"end":369.115,"confidence":0.9649903,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.08179197460412979},{"word":"to","start":369.115,"end":369.19498,"confidence":0.99248344,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05908051133155823},{"word":"just","start":369.19498,"end":369.435,"confidence":0.9495696,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0554611012339592},{"word":"check","start":369.435,"end":369.835,"confidence":0.9985719,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.06623426824808121},{"word":"was","start":369.835,"end":370.335,"confidence":0.99852693,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.04495394974946976},{"word":"the","start":370.395,"end":370.63498,"confidence":0.8428314,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06235717236995697},{"word":"the","start":370.63498,"end":370.79498,"confidence":0.94963807,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.056668221950531006},{"word":"main","start":370.79498,"end":371.115,"confidence":0.99946266,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.07025183737277985},{"word":"purpose","start":371.115,"end":371.435,"confidence":0.99941874,"punctuated_word":"purpose","sentiment":"neutral","sentiment_score":0.0800667256116867},{"word":"for","start":371.435,"end":371.595,"confidence":0.96079224,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07520458102226257},{"word":"the","start":371.595,"end":371.755,"confidence":0.8641157,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06370288878679276},{"word":"super","start":371.755,"end":372.155,"confidence":0.41017216,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1366351842880249},{"word":"because","start":372.155,"end":372.395,"confidence":0.4998952,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.06351528316736221},{"word":"i","start":372.395,"end":372.475,"confidence":0.9996112,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05148383975028992},{"word":"can","start":372.475,"end":372.715,"confidence":0.9988977,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.06152258813381195},{"word":"see","start":372.715,"end":372.875,"confidence":0.95490354,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.07019119709730148},{"word":"that","start":372.875,"end":373.115,"confidence":0.9997352,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05757907405495643},{"word":"you","start":373.115,"end":373.275,"confidence":0.9998733,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05118402466177941},{"word":"were","start":373.275,"end":373.435,"confidence":0.99882215,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.04728994518518448},{"word":"on","start":373.435,"end":373.935,"confidence":0.96850973,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.076071597635746},{"word":"i","start":374.315,"end":374.47498,"confidence":0.99966216,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04712976515293121},{"word":"guess","start":374.47498,"end":374.79498,"confidence":0.9650718,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.04759403318166733},{"word":"that","start":374.79498,"end":375.29498,"confidence":0.92201006,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.05020289123058319},{"word":"like","start":375.595,"end":375.91498,"confidence":0.8376548,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.03967694565653801},{"word":"disability","start":375.91498,"end":376.41498,"confidence":0.99685365,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":0.04505396634340286},{"word":"support","start":376.555,"end":376.955,"confidence":0.99953055,"punctuated_word":"support","sentiment":"neutral","sentiment_score":0.04900255426764488},{"word":"pension","start":376.955,"end":377.455,"confidence":0.99019885,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.047318235039711},{"word":"with","start":377.755,"end":377.995,"confidence":0.9729023,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.021640799939632416},{"word":"a","start":377.995,"end":378.07498,"confidence":0.999713,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05269681289792061},{"word":"bit","start":378.07498,"end":378.235,"confidence":0.9998274,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.04344452917575836},{"word":"of","start":378.235,"end":378.48,"confidence":0.99910945,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0325615331530571},{"word":"kind","start":378.56,"end":378.72,"confidence":0.9971533,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.05383715033531189},{"word":"of","start":378.72,"end":378.96002,"confidence":0.99963546,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.046186663210392},{"word":"cash","start":378.96002,"end":379.2,"confidence":0.996804,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.05965322628617287},{"word":"in","start":379.2,"end":379.44,"confidence":0.99928266,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04179970547556877},{"word":"the","start":379.44,"end":379.6,"confidence":0.99692816,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.041867032647132874},{"word":"bank","start":379.6,"end":379.92,"confidence":0.9991047,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.07767321914434433},{"word":"and","start":379.92,"end":380.16,"confidence":0.5753453,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06647390127182007},{"word":"you've","start":380.16,"end":380.32,"confidence":0.87840796,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.0898357480764389},{"word":"got","start":380.32,"end":380.48,"confidence":0.99875474,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11195048689842224},{"word":"the","start":380.48,"end":380.56,"confidence":0.9970471,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08115716278553009},{"word":"mortgage","start":380.56,"end":381.04,"confidence":0.99966025,"punctuated_word":"mortgage","sentiment":"neutral","sentiment_score":0.089839868247509},{"word":"paid","start":381.04,"end":381.28,"confidence":0.99435025,"punctuated_word":"paid","sentiment":"neutral","sentiment_score":0.16315552592277527},{"word":"off","start":381.28,"end":381.44,"confidence":0.9919437,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":0.11008219420909882},{"word":"is","start":381.44,"end":381.68002,"confidence":0.9994592,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.11854152381420135},{"word":"that","start":381.68002,"end":381.76,"confidence":0.9998847,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13974589109420776},{"word":"right","start":381.76,"end":382.26,"confidence":0.9997839,"punctuated_word":"right?","sentiment":"neutral","sentiment_score":0.12011519819498062},{"word":"yep","start":384.64,"end":384.88,"confidence":0.9133755,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05379054695367813},{"word":"so","start":384.88,"end":385.38,"confidence":0.9963491,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09749903529882432},{"word":"what","start":385.68002,"end":385.92,"confidence":0.99154186,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.12321285158395769},{"word":"would","start":385.92,"end":386.08002,"confidence":0.9996444,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.16285765171051023},{"word":"be","start":386.08002,"end":386.32,"confidence":0.9337645,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":0.15104837715625763},{"word":"like","start":386.32,"end":386.48,"confidence":0.999004,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.14175745844841003},{"word":"the","start":386.48,"end":386.64,"confidence":0.9998016,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14373056590557098},{"word":"main","start":386.64,"end":386.88,"confidence":0.9998299,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.23709550499916077},{"word":"purpose","start":386.88,"end":387.28,"confidence":0.99905795,"punctuated_word":"purpose","sentiment":"neutral","sentiment_score":0.18923524022102356},{"word":"for","start":387.28,"end":387.44,"confidence":0.9928382,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17348164319992063},{"word":"the","start":387.44,"end":387.6,"confidence":0.9863284,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2396029531955719},{"word":"super","start":387.6,"end":387.84,"confidence":0.64631486,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.37372633814811707},{"word":"for","start":388.0,"end":388.08002,"confidence":0.9926277,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2368377447128296},{"word":"the","start":388.08002,"end":388.24002,"confidence":0.9983053,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25378888845443726},{"word":"next","start":388.24002,"end":388.48,"confidence":0.99947375,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.19286924600601196},{"word":"few","start":388.48,"end":388.64,"confidence":0.9922321,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.19111904501914975},{"word":"years","start":388.64,"end":388.88,"confidence":0.9987978,"punctuated_word":"years","sentiment":"neutral","sentiment_score":0.21284443140029907},{"word":"for","start":388.88,"end":389.04,"confidence":0.97629863,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.20523060858249664},{"word":"you","start":389.04,"end":389.12,"confidence":0.98662126,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.16576431691646576},{"word":"is","start":389.12,"end":389.28,"confidence":0.98640233,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.16289082169532776},{"word":"it","start":389.28,"end":389.44,"confidence":0.992378,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2459406405687332},{"word":"just","start":389.44,"end":389.6,"confidence":0.99797684,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2229146659374237},{"word":"to","start":389.6,"end":389.68002,"confidence":0.99874794,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22323200106620789},{"word":"get","start":389.68002,"end":389.84,"confidence":0.9072429,"punctuated_word":"get,","sentiment":"neutral","sentiment_score":0.2539937198162079},{"word":"like","start":389.84,"end":390.08002,"confidence":0.99868566,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.26969021558761597},{"word":"a","start":390.08002,"end":390.24002,"confidence":0.99935204,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.406544029712677},{"word":"a","start":390.24002,"end":390.32,"confidence":0.7094907,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35903894901275635},{"word":"bit","start":390.32,"end":390.48,"confidence":0.99916196,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.35424038767814636},{"word":"of","start":390.48,"end":390.72,"confidence":0.99921215,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3518018424510956},{"word":"safe","start":390.72,"end":390.96002,"confidence":0.9312789,"punctuated_word":"safe","sentiment":"neutral","sentiment_score":0.3161103427410126},{"word":"growth","start":390.96002,"end":391.28,"confidence":0.9983223,"punctuated_word":"growth","sentiment":"positive","sentiment_score":0.4203472733497619},{"word":"out","start":391.28,"end":391.44,"confidence":0.9991941,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.48174217343330383},{"word":"of","start":391.44,"end":391.52002,"confidence":0.999206,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.34601685404777527},{"word":"it","start":391.52002,"end":391.76,"confidence":0.9969482,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.3479379117488861},{"word":"and","start":391.76,"end":391.92,"confidence":0.55772966,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.27089613676071167},{"word":"you're","start":391.92,"end":392.08002,"confidence":0.841018,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.2802892327308655},{"word":"wanting","start":392.08002,"end":392.40002,"confidence":0.9958449,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":0.1828898936510086},{"word":"to","start":392.40002,"end":392.64,"confidence":0.99463767,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.07670796662569046},{"word":"access","start":392.64,"end":393.04,"confidence":0.9994079,"punctuated_word":"access","sentiment":"neutral","sentiment_score":0.10018340498209},{"word":"it","start":393.04,"end":393.52002,"confidence":0.99329317,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10894619673490524},{"word":"to","start":393.52002,"end":393.68002,"confidence":0.83853287,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.14476847648620603},{"word":"fund","start":393.68002,"end":394.18002,"confidence":0.9220021,"punctuated_word":"fund?","sentiment":"neutral","sentiment_score":0.10896165668964386},{"word":"yeah","start":409.07,"end":409.57,"confidence":0.7996564,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.002906758338212967},{"word":"the","start":409.71,"end":409.94998,"confidence":0.99229854,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.13126687705516815},{"word":"tricky","start":409.94998,"end":410.35,"confidence":0.9996184,"punctuated_word":"tricky","sentiment":"neutral","sentiment_score":-0.1751677542924881},{"word":"situation","start":410.35,"end":410.83,"confidence":0.99980766,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":-0.14039283990859985},{"word":"that","start":410.83,"end":410.91,"confidence":0.9962173,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.19488689303398132},{"word":"we've","start":410.91,"end":411.15,"confidence":0.992149,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.18053607642650604},{"word":"got","start":411.15,"end":411.38998,"confidence":0.9913647,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.16478286683559418},{"word":"is","start":411.38998,"end":411.63,"confidence":0.98523974,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.1449526846408844},{"word":"because","start":411.63,"end":411.87,"confidence":0.9158547,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.13449323177337646},{"word":"of","start":411.87,"end":412.03,"confidence":0.9733329,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.16461941599845886},{"word":"everything","start":412.03,"end":412.43,"confidence":0.9955048,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":-0.17288638651371002},{"word":"that's","start":412.43,"end":412.59,"confidence":0.9948325,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.17819324135780334},{"word":"going","start":412.59,"end":412.83,"confidence":0.9994735,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.19499118626117704},{"word":"on","start":412.83,"end":412.99,"confidence":0.9966871,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.13459475338459015},{"word":"in","start":412.99,"end":413.07,"confidence":0.99605393,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.12825167179107666},{"word":"the","start":413.07,"end":413.23,"confidence":0.99953246,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.13569363951683044},{"word":"world","start":413.23,"end":413.47,"confidence":0.9985751,"punctuated_word":"world","sentiment":"neutral","sentiment_score":-0.1879582405090332},{"word":"at","start":413.47,"end":413.71,"confidence":0.9958072,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.24923226237297055},{"word":"the","start":413.71,"end":413.87,"confidence":0.99755234,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2478726357221603},{"word":"moment","start":413.87,"end":414.37,"confidence":0.8350281,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.1305970549583435},{"word":"the","start":414.59,"end":414.75,"confidence":0.99013174,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1387162208557129},{"word":"projections","start":414.75,"end":415.25,"confidence":0.86332166,"punctuated_word":"projections","sentiment":"neutral","sentiment_score":-0.13376764953136444},{"word":"going","start":415.55,"end":415.87,"confidence":0.99217695,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.149727463722229},{"word":"forward","start":415.87,"end":416.27,"confidence":0.9986291,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":-0.11980544030666351},{"word":"for","start":416.27,"end":416.51,"confidence":0.9962082,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.11195766925811768},{"word":"a","start":416.51,"end":416.59,"confidence":0.99853647,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10523290932178496},{"word":"lot","start":416.59,"end":417.09,"confidence":0.99955386,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.09228101372718812},{"word":"of","start":417.79,"end":417.94998,"confidence":0.9981341,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.10549266636371613},{"word":"asset","start":417.94998,"end":418.35,"confidence":0.94876134,"punctuated_word":"asset","sentiment":"neutral","sentiment_score":-0.1965085119009018},{"word":"classes","start":418.35,"end":418.85,"confidence":0.96430004,"punctuated_word":"classes","sentiment":"neutral","sentiment_score":-0.25101011991500854},{"word":"is","start":419.15,"end":419.31,"confidence":0.93874425,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.25599008798599243},{"word":"quite","start":419.31,"end":419.63,"confidence":0.72161937,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.28712350130081177},{"word":"far","start":419.63,"end":419.94998,"confidence":0.996597,"punctuated_word":"far","sentiment":"neutral","sentiment_score":-0.32484889030456543},{"word":"down","start":419.94998,"end":420.44998,"confidence":0.97789276,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.21785759925842285},{"word":"so","start":420.83,"end":421.33,"confidence":0.99639183,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.17416056990623474},{"word":"your","start":421.55,"end":422.05,"confidence":0.9894002,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.17559877038002014},{"word":"current","start":422.775,"end":423.015,"confidence":0.9991691,"punctuated_word":"current","sentiment":"neutral","sentiment_score":-0.26238811016082764},{"word":"risk","start":423.015,"end":423.415,"confidence":0.9998178,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.19654038548469543},{"word":"level","start":423.415,"end":423.815,"confidence":0.983354,"punctuated_word":"level,","sentiment":"neutral","sentiment_score":-0.2378200888633728},{"word":"i","start":423.815,"end":423.975,"confidence":0.9998179,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.17676961421966553},{"word":"would","start":423.975,"end":424.215,"confidence":0.9998745,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.1389881819486618},{"word":"describe","start":424.215,"end":424.615,"confidence":0.99980503,"punctuated_word":"describe","sentiment":"neutral","sentiment_score":-0.17189709842205048},{"word":"it","start":424.615,"end":424.855,"confidence":0.99893135,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.16567987203598022},{"word":"as","start":424.855,"end":425.015,"confidence":0.99690527,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.141060933470726},{"word":"like","start":425.015,"end":425.515,"confidence":0.7148018,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.14253510534763336},{"word":"a","start":425.655,"end":425.815,"confidence":0.9781892,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.17007434368133545},{"word":"three","start":425.815,"end":426.135,"confidence":0.9870285,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.11183924227952956},{"word":"and","start":426.135,"end":426.215,"confidence":0.9803239,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.19581396877765656},{"word":"a","start":426.215,"end":426.295,"confidence":0.99169874,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21432319283485413},{"word":"half","start":426.295,"end":426.615,"confidence":0.99876034,"punctuated_word":"half","sentiment":"neutral","sentiment_score":-0.1717514842748642},{"word":"out","start":426.615,"end":426.775,"confidence":0.9983491,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.1566608101129532},{"word":"of","start":426.775,"end":426.935,"confidence":0.99549943,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.23138050734996796},{"word":"five","start":426.935,"end":427.435,"confidence":0.84023607,"punctuated_word":"five.","sentiment":"neutral","sentiment_score":-0.2198648452758789},{"word":"it's","start":427.575,"end":427.815,"confidence":0.88688195,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.21291300654411316},{"word":"a","start":427.815,"end":427.895,"confidence":0.99520975,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1926938444375992},{"word":"little","start":427.895,"end":428.135,"confidence":0.99983466,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.16125909984111786},{"word":"bit","start":428.135,"end":428.295,"confidence":0.9988249,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.17389100790023804},{"word":"above","start":428.295,"end":428.695,"confidence":0.99309856,"punctuated_word":"above","sentiment":"neutral","sentiment_score":-0.1631471812725067},{"word":"medium","start":428.695,"end":429.095,"confidence":0.9146477,"punctuated_word":"medium","sentiment":"neutral","sentiment_score":-0.20397281646728516},{"word":"risk","start":429.095,"end":429.595,"confidence":0.9932692,"punctuated_word":"risk.","sentiment":"neutral","sentiment_score":-0.202991247177124},{"word":"that's","start":431.175,"end":431.655,"confidence":0.9939676,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.01743999682366848},{"word":"still","start":431.655,"end":432.055,"confidence":0.9998037,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.03581316024065018},{"word":"aiming","start":432.055,"end":432.45502,"confidence":0.993378,"punctuated_word":"aiming","sentiment":"neutral","sentiment_score":0.05930100753903389},{"word":"for","start":432.45502,"end":432.695,"confidence":0.9977437,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1009453684091568},{"word":"around","start":432.695,"end":433.015,"confidence":0.54594547,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.06324634701013565},{"word":"about","start":433.015,"end":433.255,"confidence":0.9331519,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.0723574236035347},{"word":"that","start":433.255,"end":433.755,"confidence":0.9899685,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1109144389629364},{"word":"nine","start":433.895,"end":434.295,"confidence":0.99825865,"punctuated_word":"nine","sentiment":"neutral","sentiment_score":0.08068467676639557},{"word":"to","start":434.295,"end":434.45502,"confidence":0.8871013,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04533251374959946},{"word":"10%","start":434.45502,"end":435.275,"confidence":0.9992562,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":0.16097529232501984},{"word":"average","start":435.495,"end":435.895,"confidence":0.99896514,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.06588371843099594},{"word":"return","start":435.895,"end":436.395,"confidence":0.84797215,"punctuated_word":"return.","sentiment":"neutral","sentiment_score":0.04785630851984024},{"word":"but","start":437.3,"end":437.53998,"confidence":0.99942505,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.024532396346330643},{"word":"then","start":437.53998,"end":437.78,"confidence":0.97466767,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.03939316049218178},{"word":"again","start":437.78,"end":438.28,"confidence":0.8440873,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.032710399478673935},{"word":"usually","start":438.97998,"end":439.46,"confidence":0.8012621,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":-0.05626325309276581},{"word":"recommended","start":439.46,"end":439.94,"confidence":0.5312851,"punctuated_word":"recommended","sentiment":"neutral","sentiment_score":-0.05600534379482269},{"word":"for","start":439.94,"end":440.09998,"confidence":0.6453093,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07433793693780899},{"word":"someone","start":440.09998,"end":440.41998,"confidence":0.99955696,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":-0.019793644547462463},{"word":"who's","start":440.41998,"end":440.66,"confidence":0.97639763,"punctuated_word":"who's","sentiment":"neutral","sentiment_score":-0.05265621840953827},{"word":"not","start":440.66,"end":440.81998,"confidence":0.99907315,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.051708485931158066},{"word":"gonna","start":440.81998,"end":441.06,"confidence":0.72814935,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.07319369167089462},{"word":"access","start":441.06,"end":441.46,"confidence":0.993772,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.07381702959537506},{"word":"the","start":441.46,"end":441.62,"confidence":0.38472378,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0665304884314537},{"word":"food","start":441.62,"end":441.94,"confidence":0.18954071,"punctuated_word":"food","sentiment":"neutral","sentiment_score":-0.00920410454273224},{"word":"for","start":441.94,"end":442.09998,"confidence":0.93896,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.11718174815177916},{"word":"about","start":442.09998,"end":442.58,"confidence":0.98922557,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.11944661289453506},{"word":"six","start":442.58,"end":442.81998,"confidence":0.998295,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.08968282490968704},{"word":"or","start":442.81998,"end":442.97998,"confidence":0.9835804,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.10492487251758575},{"word":"seven","start":442.97998,"end":443.22,"confidence":0.99724764,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":-0.07200281322002411},{"word":"years","start":443.22,"end":443.72,"confidence":0.9889364,"punctuated_word":"years.","sentiment":"neutral","sentiment_score":-0.07856854796409607},{"word":"so","start":447.46,"end":447.69998,"confidence":0.8713579,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07248751819133759},{"word":"what","start":447.69998,"end":447.86,"confidence":0.99555004,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.13014596700668335},{"word":"i'm","start":447.86,"end":448.09998,"confidence":0.99951696,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.12318374961614607},{"word":"sort","start":448.09998,"end":448.34,"confidence":0.9942022,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.11820437014102936},{"word":"of","start":448.34,"end":448.5,"confidence":0.9602563,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12137974798679352},{"word":"thinking","start":448.5,"end":448.9,"confidence":0.9994438,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.1125340461730957},{"word":"is","start":448.9,"end":449.4,"confidence":0.99884087,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.13396568596363068},{"word":"if","start":449.695,"end":449.855,"confidence":0.99918896,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1681130975484848},{"word":"we","start":449.855,"end":450.015,"confidence":0.99987376,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12645429372787476},{"word":"still","start":450.015,"end":450.415,"confidence":0.9998596,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.11935603618621826},{"word":"want","start":450.415,"end":450.655,"confidence":0.9997209,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.13435347378253937},{"word":"to","start":450.655,"end":450.895,"confidence":0.9997501,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1645333617925644},{"word":"aim","start":450.895,"end":451.295,"confidence":0.99983084,"punctuated_word":"aim","sentiment":"neutral","sentiment_score":0.1804470121860504},{"word":"for","start":451.295,"end":451.795,"confidence":0.99962413,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17558276653289795},{"word":"that","start":451.855,"end":452.095,"confidence":0.99982846,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1781703531742096},{"word":"level","start":452.095,"end":452.415,"confidence":0.99995446,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.2064199447631836},{"word":"of","start":452.415,"end":452.655,"confidence":0.99977404,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17315220832824707},{"word":"return","start":452.655,"end":453.155,"confidence":0.9982718,"punctuated_word":"return,","sentiment":"neutral","sentiment_score":0.19579775631427765},{"word":"we","start":453.535,"end":453.695,"confidence":0.9994904,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2658548355102539},{"word":"could","start":453.695,"end":453.935,"confidence":0.99988437,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.26693838834762573},{"word":"possibly","start":453.935,"end":454.435,"confidence":0.9986985,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.26373782753944397},{"word":"reduce","start":454.495,"end":454.895,"confidence":0.99949205,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":0.11995988339185716},{"word":"the","start":454.895,"end":455.055,"confidence":0.9993358,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07733182609081268},{"word":"risk","start":455.055,"end":455.375,"confidence":0.99936956,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.11567410081624983},{"word":"level","start":455.375,"end":455.695,"confidence":0.9996731,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.014832630753517153},{"word":"by","start":455.695,"end":456.015,"confidence":0.999754,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.07109958678483963},{"word":"about","start":456.015,"end":456.415,"confidence":0.94420516,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":0.1027483344078064},{"word":"like","start":456.415,"end":456.815,"confidence":0.9959964,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.05592314898967743},{"word":"one","start":456.815,"end":457.055,"confidence":0.9996132,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07808806002140045},{"word":"one","start":457.055,"end":457.375,"confidence":0.98956853,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.022266946732997894},{"word":"point","start":457.375,"end":457.855,"confidence":0.94991374,"punctuated_word":"point,","sentiment":"neutral","sentiment_score":0.053262680768966675},{"word":"put","start":457.855,"end":458.015,"confidence":0.6128097,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.10278235375881196},{"word":"you","start":458.015,"end":458.175,"confidence":0.98440844,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04539955407381058},{"word":"down","start":458.175,"end":458.335,"confidence":0.9989492,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.06304931640625},{"word":"to","start":458.335,"end":458.495,"confidence":0.9125333,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.02925039455294609},{"word":"like","start":458.495,"end":458.655,"confidence":0.9989172,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.040632154792547226},{"word":"a","start":458.655,"end":458.815,"confidence":0.9653324,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.041752852499485016},{"word":"two","start":458.815,"end":458.975,"confidence":0.9997143,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.041040219366550446},{"word":"and","start":458.975,"end":459.135,"confidence":0.9931271,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.016852129250764847},{"word":"a","start":459.135,"end":459.215,"confidence":0.99195224,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.001750107854604721},{"word":"half","start":459.215,"end":459.45502,"confidence":0.9998858,"punctuated_word":"half","sentiment":"neutral","sentiment_score":0.025987721979618073},{"word":"or","start":459.45502,"end":459.695,"confidence":0.9972144,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.009132899343967438},{"word":"a","start":459.695,"end":459.855,"confidence":0.8444575,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03035097010433674},{"word":"three","start":459.855,"end":460.355,"confidence":0.9839485,"punctuated_word":"three.","sentiment":"neutral","sentiment_score":-0.02508281171321869},{"word":"that","start":463.06998,"end":463.38998,"confidence":0.99749327,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.15824368596076965},{"word":"might","start":463.38998,"end":463.55,"confidence":0.99969685,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.19181841611862183},{"word":"get","start":463.55,"end":463.78998,"confidence":0.9953589,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.16880957782268524},{"word":"you","start":463.78998,"end":464.03,"confidence":0.99905604,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.13254930078983307},{"word":"maybe","start":464.03,"end":464.53,"confidence":0.9074741,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.08324383944272995},{"word":"an","start":465.15,"end":465.38998,"confidence":0.9872028,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1059032678604126},{"word":"8%","start":465.38998,"end":465.94998,"confidence":0.9992708,"punctuated_word":"8%","sentiment":"neutral","sentiment_score":0.10173939913511276},{"word":"average","start":465.94998,"end":466.34998,"confidence":0.99571556,"punctuated_word":"average","sentiment":"neutral","sentiment_score":0.08229178190231323},{"word":"or","start":466.34998,"end":466.50998,"confidence":0.8609972,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09720724821090698},{"word":"9%","start":466.50998,"end":467.06998,"confidence":0.9949915,"punctuated_word":"9%","sentiment":"neutral","sentiment_score":0.07783251255750656},{"word":"average","start":467.06998,"end":467.56998,"confidence":0.9284618,"punctuated_word":"average.","sentiment":"neutral","sentiment_score":0.06991203129291534},{"word":"the","start":474.365,"end":474.445,"confidence":0.39060733,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.17458385229110718},{"word":"one","start":474.445,"end":474.605,"confidence":0.9969434,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.15844681859016418},{"word":"thing","start":474.605,"end":474.685,"confidence":0.9986394,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.149252250790596},{"word":"i","start":474.685,"end":474.765,"confidence":0.99540424,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1937709003686905},{"word":"was","start":474.765,"end":475.005,"confidence":0.97645515,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.22347402572631836},{"word":"worried","start":475.005,"end":475.245,"confidence":0.9992349,"punctuated_word":"worried","sentiment":"neutral","sentiment_score":-0.241663321852684},{"word":"about","start":475.245,"end":475.48502,"confidence":0.99924743,"punctuated_word":"about","sentiment":"negative","sentiment_score":-0.3347225785255432},{"word":"is","start":475.48502,"end":475.725,"confidence":0.9940906,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.27800750732421875},{"word":"we","start":475.725,"end":476.045,"confidence":0.98585576,"punctuated_word":"we","sentiment":"negative","sentiment_score":-0.33622369170188904},{"word":"kind","start":476.045,"end":476.285,"confidence":0.92081094,"punctuated_word":"kind","sentiment":"negative","sentiment_score":-0.3607112169265747},{"word":"of","start":476.285,"end":476.365,"confidence":0.9974705,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.4233591854572296},{"word":"left","start":476.365,"end":476.605,"confidence":0.9862592,"punctuated_word":"left","sentiment":"negative","sentiment_score":-0.5197947025299072},{"word":"it","start":476.605,"end":476.765,"confidence":0.9858547,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.33249568939208984},{"word":"the","start":476.765,"end":476.845,"confidence":0.9966888,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.39702263474464417},{"word":"way","start":476.845,"end":477.005,"confidence":0.99928004,"punctuated_word":"way","sentiment":"negative","sentiment_score":-0.4219736158847809},{"word":"it","start":477.005,"end":477.165,"confidence":0.9871723,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.3189181685447693},{"word":"was","start":477.165,"end":477.48502,"confidence":0.9982798,"punctuated_word":"was","sentiment":"negative","sentiment_score":-0.405940294265747},{"word":"trying","start":477.48502,"end":477.805,"confidence":0.9365829,"punctuated_word":"trying","sentiment":"negative","sentiment_score":-0.3668125867843628},{"word":"to","start":477.805,"end":477.965,"confidence":0.99200624,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.381177693605423},{"word":"hunt","start":477.965,"end":478.285,"confidence":0.9931231,"punctuated_word":"hunt","sentiment":"negative","sentiment_score":-0.38163477182388306},{"word":"for","start":478.285,"end":478.525,"confidence":0.99786985,"punctuated_word":"for","sentiment":"negative","sentiment_score":-0.35401681065559387},{"word":"the","start":478.525,"end":478.605,"confidence":0.99940217,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2679401636123657},{"word":"higher","start":478.605,"end":479.085,"confidence":0.9531713,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":-0.24037492275238037},{"word":"returns","start":479.085,"end":479.585,"confidence":0.6962923,"punctuated_word":"returns.","sentiment":"neutral","sentiment_score":-0.2967110872268677},{"word":"if","start":480.445,"end":480.92502,"confidence":0.99623364,"punctuated_word":"If","sentiment":"negative","sentiment_score":-0.4507726132869721},{"word":"this","start":480.92502,"end":481.165,"confidence":0.9757785,"punctuated_word":"this","sentiment":"negative","sentiment_score":-0.4795931875705719},{"word":"situation","start":481.165,"end":481.665,"confidence":0.9983712,"punctuated_word":"situation","sentiment":"negative","sentiment_score":-0.456637978553772},{"word":"turns","start":481.805,"end":482.045,"confidence":0.9691353,"punctuated_word":"turns","sentiment":"negative","sentiment_score":-0.48122888803482056},{"word":"into","start":482.045,"end":482.285,"confidence":0.99921346,"punctuated_word":"into","sentiment":"negative","sentiment_score":-0.5137296915054321},{"word":"a","start":482.285,"end":482.365,"confidence":0.9996082,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4572317004203797},{"word":"really","start":482.365,"end":482.685,"confidence":0.99990976,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.5104737281799316},{"word":"big","start":482.685,"end":483.005,"confidence":0.9956558,"punctuated_word":"big","sentiment":"negative","sentiment_score":-0.5379545092582703},{"word":"crash","start":483.005,"end":483.505,"confidence":0.9939712,"punctuated_word":"crash,","sentiment":"negative","sentiment_score":-0.46641847491264343},{"word":"you","start":483.965,"end":484.20502,"confidence":0.9931149,"punctuated_word":"you","sentiment":"negative","sentiment_score":-0.450913667678833},{"word":"could","start":484.20502,"end":484.445,"confidence":0.999808,"punctuated_word":"could","sentiment":"negative","sentiment_score":-0.48634207248687744},{"word":"be","start":484.445,"end":484.685,"confidence":0.99909496,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.43996113538742065},{"word":"sitting","start":484.685,"end":484.925,"confidence":0.99490404,"punctuated_word":"sitting","sentiment":"negative","sentiment_score":-0.4262511134147644},{"word":"there","start":484.925,"end":485.425,"confidence":0.9969903,"punctuated_word":"there","sentiment":"negative","sentiment_score":-0.3879033029079437},{"word":"at","start":485.725,"end":485.965,"confidence":0.93122584,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.3130322992801666},{"word":"65,000","start":485.965,"end":487.105,"confidence":0.9988069,"punctuated_word":"65,000","sentiment":"neutral","sentiment_score":-0.2095286995172501},{"word":"next","start":487.165,"end":487.405,"confidence":0.9976273,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.29592931270599365},{"word":"year","start":487.405,"end":487.905,"confidence":0.9993987,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.25161364674568176},{"word":"and","start":488.09,"end":488.25,"confidence":0.9998745,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.29498499631881714},{"word":"then","start":488.25,"end":488.41,"confidence":0.999734,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.1883617788553238},{"word":"having","start":488.41,"end":488.73,"confidence":0.9981363,"punctuated_word":"having","sentiment":"neutral","sentiment_score":-0.07366786897182465},{"word":"to","start":488.73,"end":488.81,"confidence":0.99534816,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15832743048667908},{"word":"wait","start":488.81,"end":489.05002,"confidence":0.9995252,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.1624850332736969},{"word":"five","start":489.05002,"end":489.29,"confidence":0.9991683,"punctuated_word":"five","sentiment":"neutral","sentiment_score":-0.16928711533546448},{"word":"years","start":489.29,"end":489.61002,"confidence":0.9936929,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.14637944102287292},{"word":"for","start":489.61002,"end":489.85,"confidence":0.9974602,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.1555737555027008},{"word":"it","start":489.85,"end":489.93002,"confidence":0.9921261,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.13136661052703855},{"word":"to","start":489.93002,"end":490.01,"confidence":0.9989398,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.18664848804473877},{"word":"build","start":490.01,"end":490.25,"confidence":0.9783668,"punctuated_word":"build","sentiment":"neutral","sentiment_score":-0.16255515813827515},{"word":"back","start":490.25,"end":490.49002,"confidence":0.98074394,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.11379922181367874},{"word":"up","start":490.49002,"end":490.99002,"confidence":0.99161494,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":-0.13025733828544617},{"word":"yes","start":495.85,"end":496.17,"confidence":0.8585465,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.1355484426021576},{"word":"it","start":496.17,"end":496.25,"confidence":0.887798,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.2304542660713196},{"word":"doesn't","start":496.25,"end":496.57,"confidence":0.99010783,"punctuated_word":"doesn't","sentiment":"neutral","sentiment_score":-0.19524931907653809},{"word":"sound","start":496.57,"end":496.73,"confidence":0.99773383,"punctuated_word":"sound","sentiment":"neutral","sentiment_score":-0.062473803758621216},{"word":"like","start":496.73,"end":496.89,"confidence":0.9888031,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.14580459892749786},{"word":"it'd","start":496.89,"end":497.05002,"confidence":0.9177104,"punctuated_word":"it'd","sentiment":"neutral","sentiment_score":-0.1864117980003357},{"word":"be","start":497.05002,"end":497.21002,"confidence":0.997399,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.15501552820205688},{"word":"a","start":497.21002,"end":497.29,"confidence":0.9954686,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1201266422867775},{"word":"fun","start":497.29,"end":497.45,"confidence":0.9982948,"punctuated_word":"fun","sentiment":"neutral","sentiment_score":0.08521497249603271},{"word":"ride","start":497.45,"end":497.69,"confidence":0.9977956,"punctuated_word":"ride","sentiment":"neutral","sentiment_score":0.08625119924545288},{"word":"for","start":497.69,"end":497.93002,"confidence":0.99741864,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.07534509897232056},{"word":"you","start":497.93002,"end":498.33002,"confidence":0.9065019,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":-0.12152227014303207},{"word":"especially","start":498.33002,"end":498.83002,"confidence":0.99910116,"punctuated_word":"especially","sentiment":"neutral","sentiment_score":-0.13104692101478577},{"word":"just","start":498.89,"end":499.13,"confidence":0.8901242,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.07614635676145554},{"word":"given","start":499.13,"end":499.63,"confidence":0.99736553,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.13854646682739258},{"word":"when","start":499.77002,"end":499.93002,"confidence":0.9821103,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.07032343000173569},{"word":"you're","start":499.93002,"end":500.17,"confidence":0.9994262,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.05953621864318848},{"word":"looking","start":500.17,"end":500.49002,"confidence":0.9993499,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.08313655853271484},{"word":"to","start":500.49002,"end":500.65002,"confidence":0.9979785,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.08316084742546082},{"word":"access","start":500.65002,"end":501.05002,"confidence":0.99956614,"punctuated_word":"access","sentiment":"neutral","sentiment_score":-0.06189096346497536},{"word":"it","start":501.05002,"end":501.495,"confidence":0.93349075,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.1284191906452179},{"word":"yeah","start":507.095,"end":507.415,"confidence":0.95387137,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0592697337269783},{"word":"so","start":507.415,"end":507.915,"confidence":0.9976834,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.021153412759304047},{"word":"usually","start":507.975,"end":508.375,"confidence":0.739599,"punctuated_word":"usually","sentiment":"neutral","sentiment_score":-0.03211371973156929},{"word":"when","start":508.375,"end":508.535,"confidence":0.6034617,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.025160428136587143},{"word":"we","start":508.535,"end":508.615,"confidence":0.997175,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.027198247611522675},{"word":"get","start":508.615,"end":508.85498,"confidence":0.99959844,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.04248709604144096},{"word":"closer","start":508.85498,"end":509.175,"confidence":0.9944722,"punctuated_word":"closer","sentiment":"neutral","sentiment_score":-0.043603647500276566},{"word":"to","start":509.175,"end":509.335,"confidence":0.999485,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03057832643389702},{"word":"retirement","start":509.335,"end":509.835,"confidence":0.95895875,"punctuated_word":"retirement,","sentiment":"neutral","sentiment_score":-0.046532463282346725},{"word":"we","start":509.895,"end":510.055,"confidence":0.99963415,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.0286199152469635},{"word":"slowly","start":510.055,"end":510.535,"confidence":0.99942786,"punctuated_word":"slowly","sentiment":"neutral","sentiment_score":-0.05317423492670059},{"word":"reduce","start":510.535,"end":510.935,"confidence":0.9910409,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":-0.04906533658504486},{"word":"it","start":510.935,"end":511.095,"confidence":0.99588376,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.05076843500137329},{"word":"down","start":511.095,"end":511.335,"confidence":0.9997031,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.035036470741033554},{"word":"every","start":511.335,"end":511.815,"confidence":0.96882844,"punctuated_word":"every","sentiment":"neutral","sentiment_score":-0.04566342383623123},{"word":"year","start":511.815,"end":512.055,"confidence":0.9969495,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.03382010757923126},{"word":"or","start":512.055,"end":512.135,"confidence":0.9986009,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.04179321974515915},{"word":"two","start":512.135,"end":512.635,"confidence":0.89958334,"punctuated_word":"two.","sentiment":"neutral","sentiment_score":-0.03819894790649414},{"word":"so","start":512.775,"end":513.095,"confidence":0.989578,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.08167800307273865},{"word":"from","start":513.095,"end":513.335,"confidence":0.9876847,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.12698796391487122},{"word":"that","start":513.335,"end":513.65497,"confidence":0.99506676,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21331487596035004},{"word":"75%","start":513.65497,"end":514.615,"confidence":0.9882989,"punctuated_word":"75%","sentiment":"neutral","sentiment_score":0.1581679880619049},{"word":"down","start":514.615,"end":514.935,"confidence":0.9534852,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1529991626739502},{"word":"to","start":514.935,"end":515.095,"confidence":0.9974491,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09963704645633698},{"word":"about","start":515.095,"end":515.415,"confidence":0.9945116,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.10079175233840942},{"word":"seventy","start":515.415,"end":515.895,"confidence":0.9532813,"punctuated_word":"seventy,","sentiment":"neutral","sentiment_score":0.10282527655363084},{"word":"sixty","start":515.895,"end":516.375,"confidence":0.99541557,"punctuated_word":"sixty,","sentiment":"neutral","sentiment_score":0.12181001156568529},{"word":"fifty","start":516.375,"end":516.855,"confidence":0.9943371,"punctuated_word":"fifty,","sentiment":"neutral","sentiment_score":0.1175672560930252},{"word":"forty","start":516.855,"end":517.355,"confidence":0.9864912,"punctuated_word":"forty.","sentiment":"neutral","sentiment_score":0.12036077678203584},{"word":"so","start":517.70996,"end":517.94995,"confidence":0.9916403,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.09092769026756288},{"word":"if","start":517.94995,"end":518.43,"confidence":0.9922416,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11756590008735655},{"word":"you","start":518.43,"end":518.67,"confidence":0.9989096,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1261274367570877},{"word":"want","start":518.67,"end":518.82996,"confidence":0.51898223,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.08584286272525787},{"word":"to","start":518.82996,"end":518.91,"confidence":0.9964174,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10719109326601028},{"word":"go","start":518.91,"end":519.14996,"confidence":0.9993143,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10106463730335236},{"word":"middle","start":519.14996,"end":519.38995,"confidence":0.9693382,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":0.13950613141059875},{"word":"of","start":519.38995,"end":519.47,"confidence":0.9864151,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1237480491399765},{"word":"the","start":519.47,"end":519.62994,"confidence":0.99957794,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10126133263111116},{"word":"road","start":519.62994,"end":519.94995,"confidence":0.996135,"punctuated_word":"road,","sentiment":"neutral","sentiment_score":0.07508913427591324},{"word":"i","start":519.94995,"end":520.11,"confidence":0.99984384,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09704343974590302},{"word":"can","start":520.11,"end":520.26996,"confidence":0.99965394,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08432883769273758},{"word":"drop","start":520.26996,"end":520.50995,"confidence":0.9998343,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.05798789858818054},{"word":"it","start":520.50995,"end":520.67,"confidence":0.9983443,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04565909504890442},{"word":"from","start":520.67,"end":520.91,"confidence":0.9859812,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.047924816608428955},{"word":"75","start":520.91,"end":521.47,"confidence":0.99724543,"punctuated_word":"75","sentiment":"neutral","sentiment_score":0.06276433169841766},{"word":"to","start":521.47,"end":521.70996,"confidence":0.95960313,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05032223090529442},{"word":"70%","start":521.70996,"end":522.52997,"confidence":0.9025742,"punctuated_word":"70%.","sentiment":"neutral","sentiment_score":0.0605028048157692},{"word":"or","start":522.82996,"end":523.06995,"confidence":0.9981988,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.05591680482029915},{"word":"if","start":523.06995,"end":523.31,"confidence":0.9964838,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05907002463936806},{"word":"you","start":523.31,"end":523.38995,"confidence":0.9998118,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06880399584770203},{"word":"want","start":523.38995,"end":523.55,"confidence":0.937047,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.04398905858397484},{"word":"to","start":523.55,"end":523.62994,"confidence":0.99703395,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05460743233561516},{"word":"go","start":523.62994,"end":523.87,"confidence":0.9983834,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.05900131911039352},{"word":"a","start":523.87,"end":523.94995,"confidence":0.9989171,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06133200228214264},{"word":"little","start":523.94995,"end":524.11,"confidence":0.99982125,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.05618155002593994},{"word":"bit","start":524.11,"end":524.35,"confidence":0.99972504,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0511787049472332},{"word":"safer","start":524.35,"end":524.67,"confidence":0.98168594,"punctuated_word":"safer,","sentiment":"neutral","sentiment_score":0.05821089446544647},{"word":"i","start":524.67,"end":524.75,"confidence":0.9996019,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10294705629348756},{"word":"can","start":524.75,"end":524.91,"confidence":0.96704626,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1061922013759613},{"word":"drop","start":524.91,"end":525.14996,"confidence":0.99699605,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":0.040972545742988586},{"word":"it","start":525.14996,"end":525.31,"confidence":0.9950647,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06552079319953918},{"word":"to","start":525.31,"end":525.47,"confidence":0.99051875,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06728719919919968},{"word":"60","start":525.47,"end":525.97,"confidence":0.99390984,"punctuated_word":"60.","sentiment":"neutral","sentiment_score":0.0693955048918724},{"word":"just","start":526.02997,"end":526.35,"confidence":0.9389217,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.07670588046312332},{"word":"want","start":526.35,"end":526.50995,"confidence":0.92445976,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.06033162772655487},{"word":"to","start":526.50995,"end":526.67,"confidence":0.9971584,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06173419952392578},{"word":"kind","start":526.67,"end":526.82996,"confidence":0.9731338,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.06102712452411651},{"word":"of","start":526.82996,"end":526.99,"confidence":0.9983261,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06297249346971512},{"word":"gauge","start":526.99,"end":527.31,"confidence":0.978109,"punctuated_word":"gauge","sentiment":"neutral","sentiment_score":0.06406857818365097},{"word":"your","start":527.31,"end":527.55,"confidence":0.9979087,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05826672166585922},{"word":"thoughts","start":527.55,"end":528.05,"confidence":0.99785006,"punctuated_word":"thoughts.","sentiment":"neutral","sentiment_score":0.06592226028442383},{"word":"yep","start":530.845,"end":531.345,"confidence":0.835298,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.15260615944862366},{"word":"so","start":531.885,"end":532.045,"confidence":0.6805563,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.06031762436032295},{"word":"go","start":532.045,"end":532.285,"confidence":0.81812966,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.11130475997924805},{"word":"just","start":532.285,"end":532.52496,"confidence":0.96308744,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0737779289484024},{"word":"a","start":532.52496,"end":532.685,"confidence":0.9985033,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09295683354139328},{"word":"tiny","start":532.685,"end":533.005,"confidence":0.9998473,"punctuated_word":"tiny","sentiment":"neutral","sentiment_score":0.11000964045524596},{"word":"bit","start":533.005,"end":533.165,"confidence":0.9997893,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.09853563457727432},{"word":"more","start":533.165,"end":533.40497,"confidence":0.99983025,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.08931681513786316},{"word":"growth","start":533.40497,"end":533.725,"confidence":0.9979918,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.12235300242900848},{"word":"focus","start":533.725,"end":534.225,"confidence":0.89181626,"punctuated_word":"focus.","sentiment":"neutral","sentiment_score":0.1030680537223816},{"word":"yep","start":534.365,"end":534.765,"confidence":0.8488479,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11642434448003768},{"word":"i","start":534.765,"end":534.925,"confidence":0.66869885,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1436472237110138},{"word":"think","start":534.925,"end":535.165,"confidence":0.9975508,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.1267018765211105},{"word":"so","start":535.165,"end":535.665,"confidence":0.98818874,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.12539047002792358},{"word":"k","start":537.565,"end":537.885,"confidence":0.67245555,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.19486942887306213},{"word":"that's","start":537.885,"end":538.20496,"confidence":0.96317726,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.5327662229537964},{"word":"perfect","start":538.20496,"end":538.605,"confidence":0.99665177,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.6492810249328613},{"word":"i","start":538.605,"end":538.765,"confidence":0.99964607,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5491263270378113},{"word":"can","start":538.765,"end":538.925,"confidence":0.9996166,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.5890297293663025},{"word":"do","start":538.925,"end":539.08496,"confidence":0.9970196,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5494189262390137},{"word":"that","start":539.08496,"end":539.245,"confidence":0.9984857,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.466113805770874},{"word":"no","start":539.245,"end":539.485,"confidence":0.99582195,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.23284535109996796},{"word":"worries","start":539.485,"end":539.725,"confidence":0.9993357,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.1555745005607605},{"word":"at","start":539.725,"end":539.885,"confidence":0.99790204,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.15345457196235657},{"word":"all","start":539.885,"end":540.385,"confidence":0.9997822,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.17282450199127197},{"word":"just","start":540.605,"end":540.845,"confidence":0.7683831,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.0929734706878662},{"word":"in","start":540.845,"end":541.005,"confidence":0.9996928,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07745638489723206},{"word":"terms","start":541.005,"end":541.325,"confidence":0.9999758,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":0.06737027317285538},{"word":"of","start":541.325,"end":541.40497,"confidence":0.99983823,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08298149704933167},{"word":"those","start":541.40497,"end":541.725,"confidence":0.9988023,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0823635384440422},{"word":"assets","start":541.725,"end":542.225,"confidence":0.9955574,"punctuated_word":"assets,","sentiment":"neutral","sentiment_score":0.07187794148921967},{"word":"i","start":542.285,"end":542.365,"confidence":0.99981815,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.06260369718074799},{"word":"think","start":542.365,"end":542.605,"confidence":0.9999696,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.05372026562690735},{"word":"we","start":542.605,"end":542.765,"confidence":0.99679095,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0600915253162384},{"word":"had","start":542.765,"end":543.005,"confidence":0.9501621,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.05625263601541519},{"word":"the","start":543.005,"end":543.165,"confidence":0.9962537,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06335700303316116},{"word":"home","start":543.165,"end":543.40497,"confidence":0.98431903,"punctuated_word":"home","sentiment":"neutral","sentiment_score":0.08274418860673904},{"word":"valued","start":543.40497,"end":543.805,"confidence":0.70582104,"punctuated_word":"valued","sentiment":"neutral","sentiment_score":0.10340435802936554},{"word":"at","start":543.805,"end":543.96497,"confidence":0.99375325,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07147786021232605},{"word":"about","start":543.96497,"end":544.20496,"confidence":0.9976236,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08241059631109238},{"word":"1,000,000","start":544.20496,"end":544.845,"confidence":0.98360944,"punctuated_word":"1,000,000","sentiment":"neutral","sentiment_score":0.12480007857084274},{"word":"flat","start":544.845,"end":545.345,"confidence":0.989576,"punctuated_word":"flat","sentiment":"neutral","sentiment_score":0.1334408074617386},{"word":"with","start":545.51,"end":545.83,"confidence":0.9998035,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09092838317155838},{"word":"nothing","start":545.83,"end":546.31,"confidence":0.99845755,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":0.07119940221309662},{"word":"owing","start":546.31,"end":546.47,"confidence":0.94423276,"punctuated_word":"owing","sentiment":"neutral","sentiment_score":0.054122280329465866},{"word":"on","start":546.47,"end":546.63,"confidence":0.9995548,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06125188246369362},{"word":"it","start":546.63,"end":546.95,"confidence":0.99955696,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07659007608890533},{"word":"and","start":546.95,"end":547.19,"confidence":0.67871183,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.044506605714559555},{"word":"about","start":547.19,"end":547.43,"confidence":0.99898165,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.049614232033491135},{"word":"140","start":547.43,"end":548.55,"confidence":0.9685292,"punctuated_word":"140","sentiment":"neutral","sentiment_score":0.06857961416244507},{"word":"in","start":548.55,"end":548.71,"confidence":0.99789447,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05968941003084183},{"word":"a","start":548.71,"end":548.87,"confidence":0.75721294,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07556519657373428},{"word":"high","start":548.87,"end":549.02997,"confidence":0.9758261,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.06914273649454117},{"word":"interest","start":549.02997,"end":549.35,"confidence":0.99497235,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.09580083191394806},{"word":"savings","start":549.35,"end":549.75,"confidence":0.99595296,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.08471208065748215},{"word":"account","start":549.75,"end":550.25,"confidence":0.9738331,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.07653040438890457},{"word":"yep","start":552.63,"end":552.87,"confidence":0.90323186,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3094787001609802},{"word":"cool","start":552.87,"end":553.19,"confidence":0.99932355,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.43284040689468384},{"word":"so","start":553.19,"end":553.43,"confidence":0.9993668,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.33873164653778076},{"word":"all","start":553.43,"end":553.58997,"confidence":0.9969658,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3365122377872467},{"word":"that's","start":553.58997,"end":553.83,"confidence":0.8426486,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.3282335698604584},{"word":"still","start":553.83,"end":554.07,"confidence":0.9994229,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.3254762291908264},{"word":"stable","start":554.07,"end":554.47,"confidence":0.9969177,"punctuated_word":"stable","sentiment":"positive","sentiment_score":0.40208929777145386},{"word":"there","start":554.47,"end":554.63,"confidence":0.75264555,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.36150211095809937},{"word":"you're","start":554.63,"end":554.79,"confidence":0.9181526,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":0.22679005563259125},{"word":"just","start":554.79,"end":555.02997,"confidence":0.9997273,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24277839064598083},{"word":"kind","start":555.02997,"end":555.19,"confidence":0.991011,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2322317361831665},{"word":"of","start":555.19,"end":555.27,"confidence":0.99911886,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.21312527358531952},{"word":"living","start":555.27,"end":555.58997,"confidence":0.9742397,"punctuated_word":"living","sentiment":"neutral","sentiment_score":0.2570602297782898},{"word":"off","start":555.58997,"end":555.75,"confidence":0.9957831,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.18671894073486328},{"word":"the","start":555.75,"end":555.83,"confidence":0.9608003,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23457518219947815},{"word":"pension","start":555.83,"end":556.23,"confidence":0.93412274,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.23719048500061035},{"word":"at","start":556.23,"end":556.31,"confidence":0.9297426,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.17970478534698486},{"word":"the","start":556.31,"end":556.39,"confidence":0.9969741,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2505442798137665},{"word":"moment","start":556.39,"end":556.71,"confidence":0.9001939,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.1800898015499115},{"word":"not","start":556.71,"end":556.95,"confidence":0.99435836,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.07897280156612396},{"word":"dipping","start":556.95,"end":557.27,"confidence":0.96018785,"punctuated_word":"dipping","sentiment":"neutral","sentiment_score":0.07964594662189484},{"word":"into","start":557.27,"end":557.77,"confidence":0.98996735,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.05509256571531296},{"word":"the","start":557.91,"end":558.14996,"confidence":0.9935387,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09787199646234512},{"word":"capital","start":558.14996,"end":558.64996,"confidence":0.85263205,"punctuated_word":"capital.","sentiment":"neutral","sentiment_score":0.04945872351527214},{"word":"yeah","start":584.96497,"end":585.46497,"confidence":0.8058438,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03848422318696976},{"word":"yep","start":596.42,"end":596.82,"confidence":0.72321004,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.17022399604320526},{"word":"perfect","start":596.82,"end":597.22,"confidence":0.99394023,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.3802284598350525},{"word":"perfect","start":597.22,"end":597.7,"confidence":0.99962735,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.320845365524292},{"word":"so","start":597.7,"end":598.2,"confidence":0.99794894,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1437211036682129},{"word":"one","start":598.98,"end":599.14,"confidence":0.84227675,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.12684902548789978},{"word":"thing","start":599.14,"end":599.3,"confidence":0.9993031,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.1377403289079666},{"word":"i","start":599.3,"end":599.38,"confidence":0.99619234,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.11575447767972946},{"word":"wanna","start":599.38,"end":599.62,"confidence":0.8417727,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.12843209505081177},{"word":"double","start":599.62,"end":599.86,"confidence":0.99794453,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.07879149913787842},{"word":"check","start":599.86,"end":600.1,"confidence":0.99969625,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.08768307417631149},{"word":"with","start":600.1,"end":600.18,"confidence":0.7341775,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09263604879379272},{"word":"you","start":600.18,"end":600.33997,"confidence":0.9997695,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11716434359550476},{"word":"then","start":600.33997,"end":600.66,"confidence":0.99674535,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.14903047680854797},{"word":"is","start":600.66,"end":601.14,"confidence":0.99451834,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08981718868017197},{"word":"with","start":601.14,"end":601.64,"confidence":0.9144702,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.08666341751813889},{"word":"the","start":602.18,"end":602.26,"confidence":0.98329747,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12287168949842452},{"word":"140,000","start":602.26,"end":603.3,"confidence":0.91414666,"punctuated_word":"140,000","sentiment":"neutral","sentiment_score":0.12302224338054656},{"word":"you","start":603.3,"end":603.38,"confidence":0.719107,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09851700067520142},{"word":"have","start":603.38,"end":603.54,"confidence":0.9756773,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08947626501321793},{"word":"in","start":603.54,"end":603.62,"confidence":0.9405412,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.117429219186306},{"word":"savings","start":603.62,"end":604.1,"confidence":0.92151904,"punctuated_word":"savings,","sentiment":"neutral","sentiment_score":0.0817713737487793},{"word":"is","start":604.1,"end":604.33997,"confidence":0.9992901,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.049249425530433655},{"word":"that","start":604.33997,"end":604.5,"confidence":0.99989796,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.051843881607055664},{"word":"in","start":604.5,"end":604.82,"confidence":0.9218236,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.05878715217113495},{"word":"like","start":604.82,"end":605.06,"confidence":0.9977547,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.0705510824918747},{"word":"a","start":605.06,"end":605.14,"confidence":0.9997092,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05085165798664093},{"word":"high","start":605.14,"end":605.38,"confidence":0.99853146,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.04788937419652939},{"word":"interest","start":605.38,"end":605.77997,"confidence":0.9986345,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.06421922147274017},{"word":"savings","start":605.77997,"end":606.26,"confidence":0.97978276,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.03281361982226372},{"word":"account","start":606.26,"end":606.66,"confidence":0.99866545,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.038515836000442505},{"word":"or","start":606.66,"end":606.82,"confidence":0.79833686,"punctuated_word":"or,","sentiment":"neutral","sentiment_score":0.05688099563121796},{"word":"like","start":606.82,"end":606.98,"confidence":0.9993521,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06883637607097626},{"word":"a","start":606.98,"end":607.14,"confidence":0.9996213,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06594043225049973},{"word":"locked","start":607.14,"end":607.38,"confidence":0.991409,"punctuated_word":"locked","sentiment":"neutral","sentiment_score":0.03302280232310295},{"word":"away","start":607.38,"end":607.7,"confidence":0.9668419,"punctuated_word":"away","sentiment":"neutral","sentiment_score":0.024630222469568253},{"word":"term","start":607.7,"end":607.86,"confidence":0.8296836,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.05557547137141228},{"word":"deposit","start":607.86,"end":608.36,"confidence":0.9721645,"punctuated_word":"deposit?","sentiment":"neutral","sentiment_score":0.03602363169193268},{"word":"yep","start":614.905,"end":615.385,"confidence":0.92440736,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.060188062489032745},{"word":"and","start":615.385,"end":615.885,"confidence":0.990943,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.0403362438082695},{"word":"is","start":615.945,"end":616.185,"confidence":0.99835545,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02191280573606491},{"word":"that","start":616.185,"end":616.425,"confidence":0.9998822,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03581615537405014},{"word":"maturing","start":616.425,"end":616.925,"confidence":0.9997908,"punctuated_word":"maturing","sentiment":"neutral","sentiment_score":0.05155465379357338},{"word":"relatively","start":617.225,"end":617.725,"confidence":0.9994935,"punctuated_word":"relatively","sentiment":"neutral","sentiment_score":0.023412708193063736},{"word":"soon","start":617.865,"end":618.105,"confidence":0.8635645,"punctuated_word":"soon,","sentiment":"neutral","sentiment_score":0.012454546988010406},{"word":"or","start":618.105,"end":618.265,"confidence":0.99984455,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.008279085159301758},{"word":"is","start":618.265,"end":618.425,"confidence":0.98133355,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0014718808233737946},{"word":"that","start":618.425,"end":618.585,"confidence":0.9998264,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.015565175563097},{"word":"still","start":618.585,"end":618.825,"confidence":0.99787307,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.03172972798347473},{"word":"locked","start":618.825,"end":619.065,"confidence":0.99784946,"punctuated_word":"locked","sentiment":"neutral","sentiment_score":-0.03270284831523895},{"word":"away","start":619.065,"end":619.305,"confidence":0.9961726,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.011593792587518692},{"word":"until","start":619.305,"end":619.705,"confidence":0.99759173,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.016952194273471832},{"word":"'20","start":619.705,"end":620.025,"confidence":0.9986327,"punctuated_word":"'20","sentiment":"neutral","sentiment_score":0.020299363881349564},{"word":"'20","start":620.025,"end":620.34503,"confidence":0.9978033,"punctuated_word":"'20","sentiment":"neutral","sentiment_score":0.006108059547841549},{"word":"'7","start":620.34503,"end":620.84503,"confidence":0.95824814,"punctuated_word":"'7?","sentiment":"neutral","sentiment_score":0.0008593348902650177},{"word":"july","start":625.6,"end":626.1,"confidence":0.7862885,"punctuated_word":"July.","sentiment":"neutral","sentiment_score":0.03827089071273804},{"word":"okay","start":626.64,"end":627.14,"confidence":0.9978876,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.2722117006778717},{"word":"perfect","start":627.2,"end":627.7,"confidence":0.9990058,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.5757472515106201},{"word":"and","start":627.76,"end":628.0,"confidence":0.998445,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1923142522573471},{"word":"then","start":628.0,"end":628.16003,"confidence":0.58112216,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.15556174516677856},{"word":"as","start":628.16003,"end":628.32,"confidence":0.982605,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12093840539455414},{"word":"far","start":628.32,"end":628.56,"confidence":0.9993345,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.10565066337585448},{"word":"as","start":628.56,"end":628.64,"confidence":0.9576018,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12545658648014069},{"word":"the","start":628.64,"end":628.8,"confidence":0.99518085,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1487041562795639},{"word":"cars","start":628.8,"end":629.12,"confidence":0.9259169,"punctuated_word":"cars","sentiment":"neutral","sentiment_score":0.04956900328397751},{"word":"go","start":629.12,"end":629.36,"confidence":0.99688995,"punctuated_word":"go,","sentiment":"neutral","sentiment_score":0.06487531960010529},{"word":"we","start":629.36,"end":629.52,"confidence":0.999666,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07039041072130203},{"word":"had","start":629.52,"end":629.68,"confidence":0.5596843,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.07887165248394012},{"word":"the","start":629.68,"end":629.84,"confidence":0.98591435,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07636068016290665},{"word":"whole","start":629.84,"end":630.08,"confidence":0.8152914,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.06696059554815292},{"word":"holden","start":630.24,"end":630.64,"confidence":0.87705755,"punctuated_word":"Holden","sentiment":"neutral","sentiment_score":0.07397636771202087},{"word":"colorado","start":630.64,"end":631.14,"confidence":0.9309763,"punctuated_word":"Colorado","sentiment":"neutral","sentiment_score":0.05680336058139801},{"word":"there","start":631.36,"end":631.86,"confidence":0.9952976,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.10432173311710358},{"word":"at","start":631.92,"end":632.16003,"confidence":0.97922075,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08819681406021118},{"word":"about","start":632.16003,"end":632.48,"confidence":0.99958473,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08709768205881119},{"word":"22,000","start":632.48,"end":633.36,"confidence":0.9687812,"punctuated_word":"22,000.","sentiment":"neutral","sentiment_score":0.07362359762191772},{"word":"is","start":633.36,"end":633.52,"confidence":0.9984863,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.025823192670941353},{"word":"there","start":633.52,"end":633.76,"confidence":0.9997689,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.02946208417415619},{"word":"a","start":633.76,"end":633.84,"confidence":0.998987,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04591825231909752},{"word":"second","start":633.84,"end":634.08,"confidence":0.9992611,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.042576923966407776},{"word":"vehicle","start":634.08,"end":634.48,"confidence":0.9881827,"punctuated_word":"vehicle","sentiment":"neutral","sentiment_score":0.028046146035194397},{"word":"in","start":634.48,"end":634.56,"confidence":0.9105264,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.028849199414253235},{"word":"there","start":634.56,"end":635.06,"confidence":0.90354145,"punctuated_word":"there?","sentiment":"neutral","sentiment_score":0.03488340601325035},{"word":"yep","start":642.705,"end":643.205,"confidence":0.9622556,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0436692014336586},{"word":"perfect","start":643.745,"end":644.245,"confidence":0.95548284,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.1811795234680176},{"word":"any","start":645.025,"end":645.185,"confidence":0.9353908,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.0365346223115921},{"word":"other","start":645.185,"end":645.505,"confidence":0.9998565,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.07276935130357742},{"word":"assets","start":645.505,"end":645.905,"confidence":0.99963355,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.07003378868103027},{"word":"or","start":645.905,"end":646.305,"confidence":0.9515688,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06615079939365387},{"word":"loans","start":646.305,"end":646.625,"confidence":0.9993468,"punctuated_word":"loans","sentiment":"neutral","sentiment_score":0.075790174305439},{"word":"or","start":646.625,"end":646.78503,"confidence":0.99823004,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.05088596791028976},{"word":"anything","start":646.78503,"end":647.185,"confidence":0.9995778,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.027205662801861763},{"word":"floating","start":647.185,"end":647.505,"confidence":0.95495874,"punctuated_word":"floating","sentiment":"neutral","sentiment_score":0.03044964373111725},{"word":"around","start":647.505,"end":648.005,"confidence":0.99884087,"punctuated_word":"around?","sentiment":"neutral","sentiment_score":0.04318488389253616},{"word":"amazing","start":658.66,"end":659.06,"confidence":0.92268,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.3435499370098114},{"word":"don't","start":659.06,"end":659.3,"confidence":0.9392228,"punctuated_word":"Don't","sentiment":"neutral","sentiment_score":0.03388268128037453},{"word":"have","start":659.3,"end":659.46,"confidence":0.9993579,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.059154167771339417},{"word":"a","start":659.46,"end":659.62,"confidence":0.9937803,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07654295116662979},{"word":"million","start":659.62,"end":660.02,"confidence":0.9978465,"punctuated_word":"million","sentiment":"neutral","sentiment_score":-0.03436174988746643},{"word":"dollars","start":660.02,"end":660.26,"confidence":0.9971732,"punctuated_word":"dollars","sentiment":"neutral","sentiment_score":-0.01762998104095459},{"word":"of","start":660.26,"end":660.33997,"confidence":0.9989619,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0021478980779647827},{"word":"crypto","start":660.33997,"end":660.82,"confidence":0.77417004,"punctuated_word":"crypto","sentiment":"neutral","sentiment_score":-0.042244575917720795},{"word":"sitting","start":660.82,"end":661.06,"confidence":0.99932206,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.014841228723526},{"word":"under","start":661.06,"end":661.3,"confidence":0.99888915,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.029835939407348633},{"word":"the","start":661.3,"end":661.46,"confidence":0.98674285,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.04358060657978058},{"word":"pillow","start":661.46,"end":661.7,"confidence":0.9793084,"punctuated_word":"pillow","sentiment":"neutral","sentiment_score":-0.00005130469799041748},{"word":"or","start":661.7,"end":661.86,"confidence":0.99833786,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.05722391605377197},{"word":"anything","start":661.86,"end":662.18,"confidence":0.99985015,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":0.002583727240562439},{"word":"like","start":662.18,"end":662.42,"confidence":0.99889416,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.08200466632843018},{"word":"that","start":662.42,"end":662.805,"confidence":0.9531616,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.02841363102197647},{"word":"yeah","start":669.205,"end":669.605,"confidence":0.99684453,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.06582970172166824},{"word":"may","start":669.605,"end":669.845,"confidence":0.82421756,"punctuated_word":"May","sentiment":"neutral","sentiment_score":-0.1238553375005722},{"word":"maybe","start":669.925,"end":670.165,"confidence":0.9838774,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":-0.1689356565475464},{"word":"leave","start":670.165,"end":670.40497,"confidence":0.9811064,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.13210560381412506},{"word":"that","start":670.40497,"end":670.645,"confidence":0.99856585,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16406366229057312},{"word":"for","start":670.645,"end":670.96497,"confidence":0.8016965,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.2361195683479309},{"word":"the","start":670.96497,"end":671.205,"confidence":0.9792789,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16930782794952393},{"word":"person","start":671.205,"end":671.605,"confidence":0.98937887,"punctuated_word":"person","sentiment":"neutral","sentiment_score":-0.12790603935718536},{"word":"who","start":671.605,"end":671.765,"confidence":0.98614246,"punctuated_word":"who","sentiment":"neutral","sentiment_score":-0.21284011006355288},{"word":"can","start":671.765,"end":672.005,"confidence":0.9959055,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.214063823223114},{"word":"stand","start":672.005,"end":672.40497,"confidence":0.9720187,"punctuated_word":"stand","sentiment":"neutral","sentiment_score":-0.1846264898777008},{"word":"to","start":672.40497,"end":672.565,"confidence":0.9492925,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2555331289768219},{"word":"wait","start":672.565,"end":672.96497,"confidence":0.9805346,"punctuated_word":"wait","sentiment":"neutral","sentiment_score":-0.22086405754089355},{"word":"twenty","start":672.96497,"end":673.285,"confidence":0.99804556,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.25700104236602783},{"word":"years","start":673.285,"end":673.52496,"confidence":0.9994937,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.1996123194694519},{"word":"for","start":673.52496,"end":673.765,"confidence":0.99547607,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.17672765254974365},{"word":"it","start":673.765,"end":673.845,"confidence":0.9953755,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.17554695904254913},{"word":"to","start":673.845,"end":673.925,"confidence":0.99756706,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2224060744047165},{"word":"go","start":673.925,"end":674.085,"confidence":0.99921656,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.16464820504188538},{"word":"up","start":674.085,"end":674.245,"confidence":0.9878876,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.1648392379283905},{"word":"if","start":674.245,"end":674.40497,"confidence":0.8572889,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.19867919385433197},{"word":"it","start":674.40497,"end":674.565,"confidence":0.9848887,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.2665788233280182},{"word":"crashes","start":674.565,"end":674.96497,"confidence":0.96934605,"punctuated_word":"crashes","sentiment":"neutral","sentiment_score":-0.15440714359283447},{"word":"90%","start":674.96497,"end":675.765,"confidence":0.62039244,"punctuated_word":"90%,","sentiment":"neutral","sentiment_score":-0.15407118201255798},{"word":"that","start":675.765,"end":675.925,"confidence":0.9277899,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08691050112247467},{"word":"kind","start":675.925,"end":676.165,"confidence":0.96589035,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.054837003350257874},{"word":"of","start":676.165,"end":676.245,"confidence":0.997799,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04456331953406334},{"word":"thing","start":676.245,"end":676.74,"confidence":0.9913901,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.009287644177675247},{"word":"perfect","start":678.82,"end":679.32,"confidence":0.9919249,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.381106436252594},{"word":"i","start":680.1,"end":680.26,"confidence":0.8618543,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13324052095413208},{"word":"had","start":680.26,"end":680.58,"confidence":0.998901,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.09505534917116164},{"word":"a","start":680.58,"end":680.66,"confidence":0.9996418,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1117800921201706},{"word":"couple","start":680.66,"end":680.98,"confidence":0.99989176,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.06430593878030777},{"word":"of","start":680.98,"end":681.06,"confidence":0.949197,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05799733847379685},{"word":"last","start":681.06,"end":681.38,"confidence":0.9801701,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.007588475942611694},{"word":"thoughts","start":681.38,"end":681.62,"confidence":0.9738645,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":0.031568028032779694},{"word":"when","start":681.62,"end":681.86,"confidence":0.99709356,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.022720880806446075},{"word":"it","start":681.86,"end":681.94,"confidence":0.9962077,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05422458052635193},{"word":"came","start":681.94,"end":682.1,"confidence":0.99984324,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.04465050250291824},{"word":"to","start":682.1,"end":682.33997,"confidence":0.99879766,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04466360807418823},{"word":"the","start":682.33997,"end":682.42,"confidence":0.99549556,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05482950806617737},{"word":"super","start":682.42,"end":682.66,"confidence":0.9046987,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.055929772555828094},{"word":"there","start":682.66,"end":682.89996,"confidence":0.92360425,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.0481344610452652},{"word":"and","start":682.89996,"end":682.98,"confidence":0.998582,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.043051578104496},{"word":"then","start":682.98,"end":683.14,"confidence":0.99130696,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04543070122599602},{"word":"i'm","start":683.14,"end":683.22,"confidence":0.7159061,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04521189630031586},{"word":"just","start":683.22,"end":683.38,"confidence":0.99410784,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04140289127826691},{"word":"gonna","start":683.38,"end":683.7,"confidence":0.95964885,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.04631119966506958},{"word":"double","start":683.7,"end":683.94,"confidence":0.9987909,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.004612758755683899},{"word":"check","start":683.94,"end":684.18,"confidence":0.99926203,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.04862053319811821},{"word":"a","start":684.18,"end":684.26,"confidence":0.9039896,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0518316738307476},{"word":"couple","start":684.26,"end":684.42,"confidence":0.99992585,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.012919239699840546},{"word":"of","start":684.42,"end":684.58,"confidence":0.9955746,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.022480152547359467},{"word":"other","start":684.58,"end":684.82,"confidence":0.9993272,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.011102885007858276},{"word":"detail","start":684.82,"end":685.32,"confidence":0.760931,"punctuated_word":"detail.","sentiment":"neutral","sentiment_score":-0.0019470583647489548},{"word":"but","start":685.7,"end":686.2,"confidence":0.999244,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.02180510386824608},{"word":"your","start":686.74,"end":687.14,"confidence":0.9497015,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.05598532781004906},{"word":"super","start":687.14,"end":687.45996,"confidence":0.9255966,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.05584191530942917},{"word":"is","start":687.45996,"end":687.62,"confidence":0.66375786,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.049594540148973465},{"word":"currently","start":687.62,"end":688.1,"confidence":0.9996151,"punctuated_word":"currently","sentiment":"neutral","sentiment_score":-0.10905322432518004},{"word":"in","start":688.1,"end":688.6,"confidence":0.7923778,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.056604620069265366},{"word":"like","start":689.125,"end":689.36505,"confidence":0.98629165,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.031566888093948364},{"word":"an","start":689.36505,"end":689.60504,"confidence":0.99846244,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.007693573832511902},{"word":"accumulation","start":689.60504,"end":690.10504,"confidence":0.99963343,"punctuated_word":"accumulation","sentiment":"neutral","sentiment_score":0.0021193474531173706},{"word":"account","start":690.24506,"end":690.74506,"confidence":0.9998343,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.04901105910539627},{"word":"where","start":691.125,"end":691.36505,"confidence":0.8394181,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.02651982381939888},{"word":"it's","start":691.36505,"end":691.525,"confidence":0.9991384,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.017324956133961678},{"word":"still","start":691.525,"end":691.84503,"confidence":0.9998878,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.0335220992565155},{"word":"in","start":691.84503,"end":692.005,"confidence":0.9997491,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.014661476016044617},{"word":"the","start":692.005,"end":692.16504,"confidence":0.9942662,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0030546486377716064},{"word":"super","start":692.16504,"end":692.48505,"confidence":0.892325,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.007097229361534119},{"word":"space","start":692.48505,"end":692.80505,"confidence":0.9806585,"punctuated_word":"space.","sentiment":"neutral","sentiment_score":-0.0015049465000629425},{"word":"it's","start":692.80505,"end":692.965,"confidence":0.99918175,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.08560939878225327},{"word":"not","start":692.965,"end":693.36505,"confidence":0.99967706,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.09071315824985504},{"word":"technically","start":693.36505,"end":693.765,"confidence":0.9437256,"punctuated_word":"technically","sentiment":"neutral","sentiment_score":-0.09082958102226256},{"word":"in","start":693.765,"end":693.84503,"confidence":0.42901185,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0860363095998764},{"word":"a","start":693.84503,"end":693.92505,"confidence":0.82212055,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.10102565586566924},{"word":"pension","start":693.92505,"end":694.325,"confidence":0.9994542,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":-0.13140225410461426},{"word":"account","start":694.325,"end":694.565,"confidence":0.99974567,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.13277854025363922},{"word":"yet","start":694.565,"end":694.885,"confidence":0.9974189,"punctuated_word":"yet","sentiment":"neutral","sentiment_score":-0.0976814106106758},{"word":"because","start":694.885,"end":695.04504,"confidence":0.8565488,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.0918063223361969},{"word":"you're","start":695.04504,"end":695.205,"confidence":0.9873693,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.0646769255399704},{"word":"not","start":695.205,"end":695.445,"confidence":0.998718,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.07244031131267548},{"word":"drawing","start":695.445,"end":695.84503,"confidence":0.94653875,"punctuated_word":"drawing","sentiment":"neutral","sentiment_score":-0.15135690569877625},{"word":"down","start":695.84503,"end":696.325,"confidence":0.77799934,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.11262984573841096},{"word":"if","start":696.325,"end":696.565,"confidence":0.991736,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.06292352080345154},{"word":"that","start":696.565,"end":696.72504,"confidence":0.99844044,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05177277326583862},{"word":"makes","start":696.72504,"end":696.965,"confidence":0.9661062,"punctuated_word":"makes","sentiment":"neutral","sentiment_score":-0.06309390813112259},{"word":"sense","start":696.965,"end":697.465,"confidence":0.99736714,"punctuated_word":"sense.","sentiment":"neutral","sentiment_score":-0.046975646167993546},{"word":"now","start":699.36505,"end":699.685,"confidence":0.9908716,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.021419931203126907},{"word":"i","start":699.685,"end":699.765,"confidence":0.99481875,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.031248174607753754},{"word":"was","start":699.765,"end":700.005,"confidence":0.99956363,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.031050637364387512},{"word":"looking","start":700.005,"end":700.325,"confidence":0.9998518,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.031117577105760574},{"word":"at","start":700.325,"end":700.48505,"confidence":0.9995326,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.030164696276187897},{"word":"your","start":700.48505,"end":700.80505,"confidence":0.97714597,"punctuated_word":"your,","sentiment":"neutral","sentiment_score":0.024520382285118103},{"word":"like","start":700.80505,"end":701.125,"confidence":0.9983456,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.02836515940725803},{"word":"estate","start":701.125,"end":701.525,"confidence":0.9150742,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.025976553559303284},{"word":"planning","start":701.525,"end":702.025,"confidence":0.9503288,"punctuated_word":"planning,","sentiment":"neutral","sentiment_score":0.048633068799972534},{"word":"and","start":702.26,"end":702.58,"confidence":0.9984693,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04442078620195389},{"word":"we","start":702.58,"end":702.66,"confidence":0.99981874,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.06954444199800491},{"word":"had","start":702.66,"end":703.16,"confidence":0.98672026,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.06473605334758759},{"word":"carly","start":703.22,"end":703.7,"confidence":0.89787525,"punctuated_word":"Carly","sentiment":"neutral","sentiment_score":0.061369411647319794},{"word":"and","start":703.7,"end":703.94,"confidence":0.9956092,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05386257544159889},{"word":"william","start":703.94,"end":704.42,"confidence":0.998114,"punctuated_word":"William","sentiment":"neutral","sentiment_score":0.062053050845861435},{"word":"listed","start":704.42,"end":704.74,"confidence":0.99726784,"punctuated_word":"listed","sentiment":"neutral","sentiment_score":0.10429701209068298},{"word":"as","start":704.74,"end":704.82,"confidence":0.998509,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.09933513402938844},{"word":"your","start":704.82,"end":705.14,"confidence":0.9754975,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.06695610284805298},{"word":"beneficiaries","start":705.14,"end":705.64,"confidence":0.9723517,"punctuated_word":"beneficiaries","sentiment":"neutral","sentiment_score":0.07908760011196136},{"word":"for","start":705.77997,"end":706.02,"confidence":0.96090883,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0873284786939621},{"word":"the","start":706.02,"end":706.1,"confidence":0.9837828,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.07625036686658859},{"word":"super","start":706.1,"end":706.6,"confidence":0.60644525,"punctuated_word":"super.","sentiment":"neutral","sentiment_score":0.07503783702850342},{"word":"yeah","start":708.89996,"end":709.39996,"confidence":0.7414932,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03527287393808365},{"word":"just","start":709.77997,"end":710.1,"confidence":0.9321677,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.024867352098226547},{"word":"as","start":710.1,"end":710.18,"confidence":0.34966645,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.030008040368556976},{"word":"i'm","start":710.18,"end":710.42,"confidence":0.815487,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.02676577866077423},{"word":"but","start":713.62,"end":714.02,"confidence":0.3946995,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.003782926127314568},{"word":"are","start":714.02,"end":714.26,"confidence":0.9632103,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.005614476278424263},{"word":"they","start":714.26,"end":714.76,"confidence":0.90597034,"punctuated_word":"they,","sentiment":"neutral","sentiment_score":0.009343219920992851},{"word":"like","start":714.98,"end":715.335,"confidence":0.9754776,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.002804282121360302},{"word":"partner","start":715.575,"end":715.895,"confidence":0.7484387,"punctuated_word":"partner,","sentiment":"neutral","sentiment_score":0.00013878755271434784},{"word":"adult","start":715.895,"end":716.375,"confidence":0.9948549,"punctuated_word":"adult","sentiment":"neutral","sentiment_score":0.0018338672816753387},{"word":"children","start":716.375,"end":716.875,"confidence":0.84186506,"punctuated_word":"children?","sentiment":"neutral","sentiment_score":0.012951167300343512},{"word":"what's","start":716.935,"end":717.255,"confidence":0.9976156,"punctuated_word":"What's","sentiment":"neutral","sentiment_score":-0.0006005093455314636},{"word":"their","start":717.255,"end":717.575,"confidence":0.96502775,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.0004583224654197693},{"word":"relation","start":717.575,"end":718.075,"confidence":0.99101734,"punctuated_word":"relation?","sentiment":"neutral","sentiment_score":0.0065119098871946335},{"word":"perfect","start":721.09503,"end":721.41504,"confidence":0.99151015,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.18342608213424683},{"word":"and","start":721.41504,"end":721.575,"confidence":0.99961096,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04367626830935478},{"word":"they're","start":721.575,"end":721.815,"confidence":0.9996334,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.04372560232877731},{"word":"all","start":721.815,"end":722.055,"confidence":0.9989242,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.050987280905246735},{"word":"over","start":722.055,"end":722.375,"confidence":0.9992791,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.04912421107292175},{"word":"18","start":722.375,"end":722.875,"confidence":0.98628676,"punctuated_word":"18?","sentiment":"neutral","sentiment_score":0.0265205018222332},{"word":"yep","start":725.015,"end":725.515,"confidence":0.81542253,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02241036854684353},{"word":"so","start":725.655,"end":725.97504,"confidence":0.9944208,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.004754900932312012},{"word":"the","start":725.97504,"end":726.135,"confidence":0.99885046,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.001141320914030075},{"word":"only","start":726.135,"end":726.375,"confidence":0.997006,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.02200106531381607},{"word":"other","start":726.375,"end":726.695,"confidence":0.99820876,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.008221834897994995},{"word":"thoughts","start":726.695,"end":727.015,"confidence":0.6445174,"punctuated_word":"thoughts","sentiment":"neutral","sentiment_score":-0.006599117070436478},{"word":"i","start":727.015,"end":727.17505,"confidence":0.99739134,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00647229328751564},{"word":"had","start":727.17505,"end":727.67505,"confidence":0.98596823,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.002349451184272766},{"word":"was","start":727.73505,"end":728.215,"confidence":0.99969125,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.003696069121360779},{"word":"two","start":728.215,"end":728.455,"confidence":0.9907169,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.007641270756721497},{"word":"things","start":728.455,"end":728.775,"confidence":0.9368694,"punctuated_word":"things,","sentiment":"neutral","sentiment_score":0.007183544337749481},{"word":"and","start":728.775,"end":729.275,"confidence":0.9998242,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.001179385930299759},{"word":"these","start":729.45996,"end":729.62,"confidence":0.9957124,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.04319804906845093},{"word":"are","start":729.62,"end":729.7,"confidence":0.9995715,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.05470281466841698},{"word":"not","start":729.7,"end":730.2,"confidence":0.99955803,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.03765736520290375},{"word":"necessities","start":730.26,"end":730.76,"confidence":0.8804127,"punctuated_word":"necessities.","sentiment":"neutral","sentiment_score":-0.04961418733000755},{"word":"it's","start":730.89996,"end":731.14,"confidence":0.9919571,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.016417911276221275},{"word":"just","start":731.14,"end":731.45996,"confidence":0.9993548,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04814297705888748},{"word":"ideas","start":731.45996,"end":731.95996,"confidence":0.9822451,"punctuated_word":"ideas","sentiment":"neutral","sentiment_score":0.0361015759408474},{"word":"here","start":732.42,"end":732.74,"confidence":0.8388404,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":0.04288533329963684},{"word":"is","start":732.74,"end":733.14,"confidence":0.69193983,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":0.023849647492170337},{"word":"if","start":733.14,"end":733.3,"confidence":0.9540457,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0060001034289598465},{"word":"you","start":733.3,"end":733.54,"confidence":0.9990608,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.020512305200099945},{"word":"put","start":733.54,"end":733.77997,"confidence":0.9822515,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.02725608646869659},{"word":"your","start":733.77997,"end":734.1,"confidence":0.97480893,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03061451017856598},{"word":"super","start":734.1,"end":734.42,"confidence":0.965059,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.03916800767183304},{"word":"into","start":734.42,"end":734.74,"confidence":0.99773204,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.06239977478981018},{"word":"a","start":734.74,"end":734.89996,"confidence":0.98518234,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.029224036261439323},{"word":"pension","start":734.89996,"end":735.3,"confidence":0.99990857,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.009795054793357847},{"word":"account","start":735.3,"end":735.8,"confidence":0.99573064,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.03232049569487572},{"word":"all","start":736.33997,"end":736.5,"confidence":0.99951816,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.03979618102312088},{"word":"of","start":736.5,"end":736.66,"confidence":0.9993211,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.014247097074985504},{"word":"the","start":736.66,"end":736.89996,"confidence":0.9997588,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027014225721359253},{"word":"earnings","start":736.89996,"end":737.38,"confidence":0.99790764,"punctuated_word":"earnings","sentiment":"neutral","sentiment_score":0.05150467157363891},{"word":"that","start":737.38,"end":737.62,"confidence":0.99855226,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.061731189489364624},{"word":"it","start":737.62,"end":737.86,"confidence":0.9981012,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05350511521100998},{"word":"grows","start":737.86,"end":738.36,"confidence":0.99337125,"punctuated_word":"grows","sentiment":"neutral","sentiment_score":0.10757632553577424},{"word":"for","start":738.98,"end":739.22,"confidence":0.79507995,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.07611142843961716},{"word":"the","start":739.22,"end":739.38,"confidence":0.9993197,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.06113683432340622},{"word":"interest","start":739.38,"end":739.88,"confidence":0.98842216,"punctuated_word":"interest,","sentiment":"neutral","sentiment_score":0.06519311666488647},{"word":"it","start":740.26,"end":740.5,"confidence":0.9980331,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04066023975610733},{"word":"all","start":740.5,"end":740.66,"confidence":0.6704616,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.052822671830654144},{"word":"turns","start":740.66,"end":740.89996,"confidence":0.7882375,"punctuated_word":"turns","sentiment":"neutral","sentiment_score":0.03664053976535797},{"word":"into","start":740.89996,"end":741.22,"confidence":0.9951368,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.03442290425300598},{"word":"tax","start":741.22,"end":741.62,"confidence":0.99784005,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.05830928683280945},{"word":"free","start":741.62,"end":742.12,"confidence":0.99343336,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.04066390544176102},{"word":"instead","start":742.40497,"end":742.725,"confidence":0.9996424,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":-0.03819643333554268},{"word":"of","start":742.725,"end":742.925,"confidence":0.9997911,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0012952759861946106},{"word":"the","start":742.925,"end":743.125,"confidence":0.99879396,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.034236375242471695},{"word":"usual","start":743.125,"end":743.525,"confidence":0.99987006,"punctuated_word":"usual","sentiment":"neutral","sentiment_score":0.005962148308753967},{"word":"15%","start":743.525,"end":744.505,"confidence":0.99837816,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.052586667239665985},{"word":"concessional","start":744.565,"end":745.065,"confidence":0.98324776,"punctuated_word":"concessional","sentiment":"neutral","sentiment_score":0.016130302101373672},{"word":"rate","start":745.285,"end":745.785,"confidence":0.8019828,"punctuated_word":"rate.","sentiment":"neutral","sentiment_score":0.004069911316037178},{"word":"what","start":748.565,"end":748.805,"confidence":0.9888073,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.030220597982406616},{"word":"it","start":748.805,"end":748.96497,"confidence":0.99903655,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.005655154585838318},{"word":"does","start":748.96497,"end":749.365,"confidence":0.9495851,"punctuated_word":"does,","sentiment":"neutral","sentiment_score":-0.015322290360927582},{"word":"however","start":749.365,"end":749.865,"confidence":0.99826777,"punctuated_word":"however,","sentiment":"neutral","sentiment_score":-0.01422111876308918},{"word":"is","start":750.165,"end":750.665,"confidence":0.99977106,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0071112848818302155},{"word":"once","start":751.125,"end":751.445,"confidence":0.9661046,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.009104996919631958},{"word":"you","start":751.445,"end":751.525,"confidence":0.9960503,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.025962822139263153},{"word":"convert","start":751.525,"end":751.925,"confidence":0.9533211,"punctuated_word":"convert","sentiment":"neutral","sentiment_score":0.03534676134586334},{"word":"it","start":751.925,"end":752.005,"confidence":0.7472049,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.027199827134609222},{"word":"into","start":752.005,"end":752.165,"confidence":0.98506063,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.08676409721374512},{"word":"a","start":752.165,"end":752.245,"confidence":0.9837135,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.023403558880090714},{"word":"pension","start":752.245,"end":752.645,"confidence":0.9998597,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.009711310267448424},{"word":"account","start":752.645,"end":753.125,"confidence":0.99843013,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.0012967251241207125},{"word":"you","start":753.125,"end":753.285,"confidence":0.99900335,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04131821542978287},{"word":"have","start":753.285,"end":753.525,"confidence":0.9997235,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.06279420852661133},{"word":"to","start":753.525,"end":753.605,"confidence":0.99885106,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.09005005657672882},{"word":"draw","start":753.605,"end":753.925,"confidence":0.9975815,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":-0.10105333477258682},{"word":"down","start":753.925,"end":754.165,"confidence":0.9697832,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.04248472303152085},{"word":"a","start":754.165,"end":754.325,"confidence":0.99314356,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09181241691112518},{"word":"minimum","start":754.325,"end":754.825,"confidence":0.9999025,"punctuated_word":"minimum","sentiment":"neutral","sentiment_score":-0.16307032108306885},{"word":"of","start":754.885,"end":755.125,"confidence":0.9664826,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07025741040706635},{"word":"4%","start":755.125,"end":755.845,"confidence":0.99834573,"punctuated_word":"4%","sentiment":"neutral","sentiment_score":-0.038576994091272354},{"word":"out","start":755.845,"end":756.005,"confidence":0.9990086,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.006458386778831482},{"word":"of","start":756.005,"end":756.165,"confidence":0.9996731,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.021607868373394012},{"word":"the","start":756.165,"end":756.325,"confidence":0.9882299,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.010849960148334503},{"word":"super","start":756.325,"end":756.725,"confidence":0.8974538,"punctuated_word":"super","sentiment":"neutral","sentiment_score":-0.029429659247398376},{"word":"account","start":756.725,"end":757.17,"confidence":0.76620984,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":-0.02189688570797443},{"word":"so","start":757.81,"end":758.31,"confidence":0.9920684,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14781327545642853},{"word":"it","start":759.01,"end":759.08997,"confidence":0.9927234,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2028057724237442},{"word":"would","start":759.08997,"end":759.32996,"confidence":0.9998627,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.25638046860694885},{"word":"be","start":759.32996,"end":759.64996,"confidence":0.7497846,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":0.22004573047161105},{"word":"i","start":759.64996,"end":759.73,"confidence":0.99968886,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1803077608346939},{"word":"guess","start":759.73,"end":759.97,"confidence":0.9664297,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.17588792741298676},{"word":"the","start":759.97,"end":760.13,"confidence":0.9994368,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.21288706362247467},{"word":"optimal","start":760.13,"end":760.63,"confidence":0.99407285,"punctuated_word":"optimal","sentiment":"neutral","sentiment_score":0.3006851077079773},{"word":"scenario","start":760.69,"end":761.19,"confidence":0.99696004,"punctuated_word":"scenario","sentiment":"positive","sentiment_score":0.4039907455444336},{"word":"would","start":761.49,"end":761.64996,"confidence":0.9799447,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.3397861123085022},{"word":"be","start":761.64996,"end":761.81,"confidence":0.9997278,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3637709617614746},{"word":"if","start":761.81,"end":761.88995,"confidence":0.9725902,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.4068077802658081},{"word":"we","start":761.88995,"end":762.05,"confidence":0.9988273,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.3857758343219757},{"word":"put","start":762.05,"end":762.29,"confidence":0.9987521,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.41685518622398376},{"word":"it","start":762.29,"end":762.52997,"confidence":0.9947561,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.35546043515205383},{"word":"pretty","start":762.52997,"end":762.76996,"confidence":0.99164736,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.38228875398635864},{"word":"much","start":762.76996,"end":763.01,"confidence":0.9999523,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.3251277804374695},{"word":"all","start":763.01,"end":763.17,"confidence":0.8647069,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2706667184829712},{"word":"in","start":763.17,"end":763.25,"confidence":0.54826534,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3520451486110687},{"word":"a","start":763.25,"end":763.41,"confidence":0.9304109,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4040300250053406},{"word":"pension","start":763.41,"end":763.91,"confidence":0.9997626,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.20372363924980164},{"word":"account","start":763.97,"end":764.47,"confidence":0.9899593,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.2251698076725006},{"word":"to","start":765.08997,"end":765.58997,"confidence":0.9076006,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31799012422561646},{"word":"increase","start":765.64996,"end":766.05,"confidence":0.99940264,"punctuated_word":"increase","sentiment":"positive","sentiment_score":0.359892874956131},{"word":"the","start":766.05,"end":766.20996,"confidence":0.99920255,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5025004148483276},{"word":"earnings","start":766.20996,"end":766.70996,"confidence":0.99477947,"punctuated_word":"earnings","sentiment":"positive","sentiment_score":0.39611950516700745},{"word":"tax","start":767.49,"end":767.88995,"confidence":0.9077651,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.5234506726264954},{"word":"free","start":767.88995,"end":768.38995,"confidence":0.7003742,"punctuated_word":"free.","sentiment":"positive","sentiment_score":0.3882482051849365},{"word":"you","start":768.52997,"end":768.69,"confidence":0.9982856,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.454003632068634},{"word":"would","start":768.69,"end":768.93,"confidence":0.9994481,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.47772157192230225},{"word":"have","start":768.93,"end":769.08997,"confidence":0.9992655,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.49731308221817017},{"word":"a","start":769.08997,"end":769.25,"confidence":0.9969405,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4598972499370575},{"word":"little","start":769.25,"end":769.49,"confidence":0.99962735,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.29719191789627075},{"word":"bit","start":769.49,"end":769.73,"confidence":0.9949479,"punctuated_word":"bit","sentiment":"positive","sentiment_score":0.3339357078075409},{"word":"coming","start":769.73,"end":770.13,"confidence":0.987105,"punctuated_word":"coming","sentiment":"positive","sentiment_score":0.43797922134399414},{"word":"out","start":770.13,"end":770.475,"confidence":0.7604146,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":0.2758348286151886},{"word":"and","start":770.555,"end":770.63495,"confidence":0.768447,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.34095245599746704},{"word":"if","start":770.63495,"end":770.71497,"confidence":0.9987186,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.371080219745636},{"word":"you","start":770.71497,"end":770.875,"confidence":0.9925411,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.42574378848075867},{"word":"didn't","start":770.875,"end":770.95496,"confidence":0.9997188,"punctuated_word":"didn't","sentiment":"neutral","sentiment_score":0.3065720200538635},{"word":"need","start":770.95496,"end":771.355,"confidence":0.9975553,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.22648510336875916},{"word":"to","start":771.355,"end":771.435,"confidence":0.99917525,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2715049982070923},{"word":"use","start":771.435,"end":771.675,"confidence":0.9998135,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.17607849836349487},{"word":"the","start":771.675,"end":771.83496,"confidence":0.999092,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2691500782966614},{"word":"funds","start":771.83496,"end":772.15497,"confidence":0.996565,"punctuated_word":"funds,","sentiment":"neutral","sentiment_score":0.25742799043655396},{"word":"we","start":772.15497,"end":772.235,"confidence":0.99979633,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.44240570068359375},{"word":"could","start":772.235,"end":772.475,"confidence":0.9733089,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.436040461063385},{"word":"actually","start":772.475,"end":772.875,"confidence":0.9968946,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.48679783940315247},{"word":"recontribute","start":772.875,"end":773.375,"confidence":0.87459135,"punctuated_word":"recontribute","sentiment":"positive","sentiment_score":0.4018218517303467},{"word":"it","start":773.595,"end":773.755,"confidence":0.9944435,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.45722559094429016},{"word":"back","start":773.755,"end":773.995,"confidence":0.99937195,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.36994266510009766},{"word":"in","start":773.995,"end":774.495,"confidence":0.99869907,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3671552836894989},{"word":"and","start":775.595,"end":775.915,"confidence":0.9335602,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.30229395627975464},{"word":"kind","start":775.915,"end":776.15497,"confidence":0.9790069,"punctuated_word":"kind","sentiment":"positive","sentiment_score":0.3925780057907105},{"word":"of","start":776.15497,"end":776.315,"confidence":0.9998665,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4827708899974823},{"word":"just","start":776.315,"end":776.63495,"confidence":0.9985902,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.455585777759552},{"word":"recycle","start":776.63495,"end":777.13495,"confidence":0.99873406,"punctuated_word":"recycle","sentiment":"positive","sentiment_score":0.4302260875701904},{"word":"it","start":777.19495,"end":777.435,"confidence":0.9943117,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.4899420738220215},{"word":"a","start":777.435,"end":777.51495,"confidence":0.99971575,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.46537524461746216},{"word":"little","start":777.51495,"end":777.675,"confidence":0.9998871,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.3335110545158386},{"word":"bit","start":777.675,"end":778.175,"confidence":0.98550016,"punctuated_word":"bit.","sentiment":"positive","sentiment_score":0.34642988443374634},{"word":"and","start":778.71497,"end":779.115,"confidence":0.99891174,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.33389580249786377},{"word":"that","start":779.115,"end":779.435,"confidence":0.9996207,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3598267138004303},{"word":"also","start":779.435,"end":779.755,"confidence":0.99918646,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.2886217534542084},{"word":"means","start":779.755,"end":779.995,"confidence":0.99958175,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.31057336926460266},{"word":"that","start":779.995,"end":780.235,"confidence":0.9983735,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.34336456656455994},{"word":"anything","start":780.235,"end":780.555,"confidence":0.9932761,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.45654523372650146},{"word":"that","start":780.555,"end":780.71497,"confidence":0.9990397,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3980379104614258},{"word":"we","start":780.71497,"end":780.875,"confidence":0.99981517,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.395824670791626},{"word":"put","start":780.875,"end":781.115,"confidence":0.9988838,"punctuated_word":"put","sentiment":"positive","sentiment_score":0.4183671176433563},{"word":"back","start":781.115,"end":781.435,"confidence":0.99916947,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.3542880713939667},{"word":"in","start":781.435,"end":781.935,"confidence":0.9993612,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.3920343816280365},{"word":"goes","start":782.555,"end":782.875,"confidence":0.94463646,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.33151617646217346},{"word":"in","start":782.875,"end":783.19495,"confidence":0.9996916,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.37538301944732666},{"word":"as","start":783.19495,"end":783.595,"confidence":0.9994784,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2779737710952759},{"word":"non","start":783.595,"end":783.915,"confidence":0.99748033,"punctuated_word":"non","sentiment":"neutral","sentiment_score":0.27547168731689453},{"word":"concessional","start":783.915,"end":784.415,"confidence":0.91271454,"punctuated_word":"concessional,","sentiment":"neutral","sentiment_score":0.2640307545661926},{"word":"which","start":784.94,"end":785.18,"confidence":0.99995875,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.33492106199264526},{"word":"means","start":785.18,"end":785.33997,"confidence":0.99973804,"punctuated_word":"means","sentiment":"neutral","sentiment_score":0.32956400513648987},{"word":"it's","start":785.33997,"end":785.83997,"confidence":0.9949784,"punctuated_word":"it's","sentiment":"positive","sentiment_score":0.3854348659515381},{"word":"tax","start":785.98,"end":786.38,"confidence":0.99647033,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.5027813911437988},{"word":"free","start":786.38,"end":786.77997,"confidence":0.9993668,"punctuated_word":"free","sentiment":"positive","sentiment_score":0.4362811148166657},{"word":"for","start":786.77997,"end":787.01996,"confidence":0.999703,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4071663916110992},{"word":"your","start":787.01996,"end":787.5,"confidence":0.999368,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4234716296195984},{"word":"beneficiaries","start":787.5,"end":788.0,"confidence":0.994891,"punctuated_word":"beneficiaries.","sentiment":"positive","sentiment_score":0.37634217739105225},{"word":"they","start":788.7,"end":788.86,"confidence":0.99806446,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.21944314241409305},{"word":"wouldn't","start":788.86,"end":789.18,"confidence":0.9999512,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":0.1648806482553482},{"word":"pay","start":789.18,"end":789.42,"confidence":0.9994653,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.14201125502586365},{"word":"that","start":789.42,"end":789.66,"confidence":0.9998914,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1695656031370163},{"word":"kind","start":789.66,"end":789.89996,"confidence":0.98568475,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.060559019446372986},{"word":"of","start":789.89996,"end":790.06,"confidence":0.999607,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06857191026210785},{"word":"15%","start":790.06,"end":790.86,"confidence":0.9985359,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.04509842395782471},{"word":"tax","start":790.86,"end":791.36,"confidence":0.998752,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.06008930504322052},{"word":"or","start":791.82,"end":792.14,"confidence":0.9790157,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.0428430438041687},{"word":"17%","start":792.14,"end":793.2,"confidence":0.999344,"punctuated_word":"17%","sentiment":"neutral","sentiment_score":0.11526699364185332},{"word":"when","start":793.5,"end":793.74,"confidence":0.9991671,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.02282261848449707},{"word":"they","start":793.74,"end":793.98,"confidence":0.9994056,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.06685356050729752},{"word":"received","start":793.98,"end":794.3,"confidence":0.99730104,"punctuated_word":"received","sentiment":"neutral","sentiment_score":0.024180397391319275},{"word":"it","start":794.3,"end":794.8,"confidence":0.9947194,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.07912854105234146},{"word":"so","start":797.42,"end":797.74,"confidence":0.99459887,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14191478490829468},{"word":"i","start":797.74,"end":797.82,"confidence":0.9988606,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12916868925094604},{"word":"just","start":797.82,"end":798.06,"confidence":0.9998286,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.12766775488853457},{"word":"wanted","start":798.06,"end":798.3,"confidence":0.98077697,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.12494534254074097},{"word":"to","start":798.3,"end":798.45996,"confidence":0.9989569,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11188238859176636},{"word":"kind","start":798.45996,"end":798.62,"confidence":0.9899526,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.156023770570755},{"word":"of","start":798.62,"end":798.77997,"confidence":0.99836725,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09461941570043564},{"word":"float","start":798.77997,"end":799.1,"confidence":0.99016565,"punctuated_word":"float","sentiment":"neutral","sentiment_score":0.13190743327140808},{"word":"the","start":799.1,"end":799.26,"confidence":0.9997322,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14673881232738495},{"word":"idea","start":799.26,"end":799.57996,"confidence":0.9842128,"punctuated_word":"idea","sentiment":"neutral","sentiment_score":0.17729909718036652},{"word":"with","start":799.57996,"end":799.74,"confidence":0.99941945,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.17999154329299927},{"word":"you","start":799.74,"end":800.235,"confidence":0.9869485,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.17553788423538208},{"word":"k","start":803.995,"end":804.495,"confidence":0.53526103,"punctuated_word":"K.","sentiment":"positive","sentiment_score":0.4615745544433594},{"word":"one","start":805.115,"end":805.355,"confidence":0.91833395,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.14125287532806396},{"word":"other","start":805.355,"end":805.595,"confidence":0.9981249,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.1275678426027298},{"word":"thing","start":805.595,"end":805.755,"confidence":0.9997758,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.19518959522247312},{"word":"that","start":805.755,"end":805.995,"confidence":0.999511,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0917217582464218},{"word":"i","start":805.995,"end":806.235,"confidence":0.99951994,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13054850697517395},{"word":"kind","start":806.235,"end":806.475,"confidence":0.45231125,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.15931695699691772},{"word":"of","start":806.475,"end":806.555,"confidence":0.9962775,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13010600209236145},{"word":"wanna","start":806.555,"end":806.875,"confidence":0.7362579,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1344166398048401},{"word":"try","start":806.875,"end":807.195,"confidence":0.99368423,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.11202502250671388},{"word":"to","start":807.195,"end":807.695,"confidence":0.56950563,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11884831637144087},{"word":"is","start":808.235,"end":808.555,"confidence":0.8831249,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.08164942264556885},{"word":"if","start":808.555,"end":808.71497,"confidence":0.90386164,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08285369724035263},{"word":"i'm","start":808.71497,"end":808.875,"confidence":0.99961674,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.05771536752581597},{"word":"looking","start":808.875,"end":809.115,"confidence":0.99208504,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.02946820855140686},{"word":"in","start":809.115,"end":809.27496,"confidence":0.57923996,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.055520400404930115},{"word":"netwealth","start":809.27496,"end":809.77496,"confidence":0.8093153,"punctuated_word":"Netwealth","sentiment":"neutral","sentiment_score":0.07504604011774063},{"word":"account","start":810.15497,"end":810.555,"confidence":0.9932954,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.09767810255289078},{"word":"at","start":810.555,"end":810.635,"confidence":0.9983523,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.061550360172986984},{"word":"the","start":810.635,"end":810.795,"confidence":0.9986545,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11364604532718658},{"word":"moment","start":810.795,"end":811.295,"confidence":0.88769686,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.10820306092500688},{"word":"just","start":812.15497,"end":812.39496,"confidence":0.998599,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09945221990346909},{"word":"because","start":812.39496,"end":812.71497,"confidence":0.99988675,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.09655272215604782},{"word":"of","start":812.71497,"end":812.875,"confidence":0.99595547,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14990369975566864},{"word":"your","start":812.875,"end":813.27496,"confidence":0.9992859,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1680537760257721},{"word":"state","start":813.27496,"end":813.515,"confidence":0.6063678,"punctuated_word":"state","sentiment":"neutral","sentiment_score":0.18324260413646695},{"word":"of","start":813.515,"end":813.675,"confidence":0.99878234,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1888311803340912},{"word":"life","start":813.675,"end":813.995,"confidence":0.97984517,"punctuated_word":"life,","sentiment":"neutral","sentiment_score":0.177403062582016},{"word":"it","start":813.995,"end":814.075,"confidence":0.9982066,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.25604817271232605},{"word":"gives","start":814.075,"end":814.315,"confidence":0.99950695,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.1806108355522156},{"word":"you","start":814.315,"end":814.475,"confidence":0.9984633,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2283895313739777},{"word":"a","start":814.475,"end":814.635,"confidence":0.9964239,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22028182446956637},{"word":"full","start":814.635,"end":814.875,"confidence":0.9936202,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.2353350818157196},{"word":"breakdown","start":814.875,"end":815.375,"confidence":0.9950428,"punctuated_word":"breakdown","sentiment":"neutral","sentiment_score":0.16937991976737976},{"word":"of","start":815.435,"end":815.675,"confidence":0.9988637,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17457225918769836},{"word":"what","start":815.675,"end":815.915,"confidence":0.999711,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1620565801858902},{"word":"your","start":815.915,"end":816.21,"confidence":0.98797417,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13766250014305115},{"word":"taxable","start":816.45,"end":816.95,"confidence":0.99783283,"punctuated_word":"taxable","sentiment":"neutral","sentiment_score":0.14752131700515747},{"word":"component","start":817.01,"end":817.41003,"confidence":0.9914129,"punctuated_word":"component","sentiment":"neutral","sentiment_score":0.10821507126092912},{"word":"is","start":817.41003,"end":817.65,"confidence":0.98393035,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.1122886836528778},{"word":"which","start":817.65,"end":817.89,"confidence":0.999811,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.13765959441661835},{"word":"is","start":817.89,"end":818.05005,"confidence":0.99793833,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.12096679210662842},{"word":"at","start":818.05005,"end":818.21,"confidence":0.61969405,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.08102188259363174},{"word":"17%","start":818.21,"end":819.09,"confidence":0.98367757,"punctuated_word":"17%","sentiment":"neutral","sentiment_score":0.08534166216850281},{"word":"for","start":819.09,"end":819.33,"confidence":0.93934226,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10425648838281631},{"word":"estate","start":819.33,"end":819.73004,"confidence":0.52797836,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.05862518399953842},{"word":"purposes","start":819.73004,"end":820.23004,"confidence":0.99852353,"punctuated_word":"purposes","sentiment":"neutral","sentiment_score":0.09255827218294144},{"word":"versus","start":820.77,"end":821.09,"confidence":0.8967311,"punctuated_word":"versus","sentiment":"neutral","sentiment_score":0.05633997544646263},{"word":"your","start":821.09,"end":821.25,"confidence":0.98820335,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03963010758161545},{"word":"tax","start":821.25,"end":821.57,"confidence":0.99952567,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.11618556827306747},{"word":"free","start":821.57,"end":821.89,"confidence":0.9714707,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.048495903611183167},{"word":"component","start":821.89,"end":822.39,"confidence":0.97768736,"punctuated_word":"component.","sentiment":"neutral","sentiment_score":0.026029914617538452},{"word":"now","start":823.17004,"end":823.67004,"confidence":0.9984994,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.03135281801223755},{"word":"87,000","start":824.13,"end":825.17004,"confidence":0.9830591,"punctuated_word":"87,000","sentiment":"neutral","sentiment_score":0.03039049357175827},{"word":"of","start":825.17004,"end":825.33,"confidence":0.99734324,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.007018104195594788},{"word":"your","start":825.33,"end":825.49005,"confidence":0.98795485,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.016393139958381653},{"word":"89","start":825.49005,"end":826.23004,"confidence":0.9808103,"punctuated_word":"89","sentiment":"neutral","sentiment_score":-0.010448802262544632},{"word":"is","start":826.45,"end":826.69,"confidence":0.97636807,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.010139919817447662},{"word":"sitting","start":826.69,"end":826.93,"confidence":0.96586967,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.010016344487667084},{"word":"in","start":826.93,"end":827.09,"confidence":0.98066676,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.03866586089134216},{"word":"taxable","start":827.09,"end":827.59,"confidence":0.9722457,"punctuated_word":"taxable.","sentiment":"neutral","sentiment_score":-0.00859537161886692},{"word":"so","start":827.65,"end":827.81,"confidence":0.9962843,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.008762635290622711},{"word":"if","start":827.81,"end":827.97003,"confidence":0.9982034,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.051642004400491714},{"word":"you","start":827.97003,"end":828.13,"confidence":0.99962485,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05912913382053375},{"word":"were","start":828.13,"end":828.29004,"confidence":0.8140606,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.13255825638771057},{"word":"to","start":828.29004,"end":828.37,"confidence":0.9984658,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14100071787834167},{"word":"pass","start":828.37,"end":828.61005,"confidence":0.99187917,"punctuated_word":"pass","sentiment":"neutral","sentiment_score":-0.2551795542240143},{"word":"away","start":828.61005,"end":828.85004,"confidence":0.9975793,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.16329731047153473},{"word":"tomorrow","start":828.85004,"end":829.35004,"confidence":0.9968945,"punctuated_word":"tomorrow,","sentiment":"neutral","sentiment_score":-0.15475095808506012},{"word":"that's","start":829.755,"end":830.255,"confidence":0.99798846,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.004985230974853039},{"word":"the","start":830.643,"end":831.143,"confidence":0.9680541,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010853759944438934},{"word":"majority","start":831.531,"end":832.031,"confidence":0.928316,"punctuated_word":"majority","sentiment":"neutral","sentiment_score":0.03403831273317337},{"word":"of","start":832.419,"end":832.919,"confidence":0.34546036,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.041922710835933685},{"word":"the","start":833.307,"end":833.807,"confidence":0.29768273,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05274129658937454},{"word":"contract","start":834.195,"end":834.695,"confidence":0.25258392,"punctuated_word":"contract.","sentiment":"neutral","sentiment_score":0.02941545471549034},{"word":"we","start":835.083,"end":835.583,"confidence":0.79516536,"punctuated_word":"We","sentiment":"positive","sentiment_score":0.3778521716594696},{"word":"can","start":835.971,"end":836.471,"confidence":0.9965856,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.417597234249115},{"word":"actually","start":836.859,"end":837.359,"confidence":0.9977633,"punctuated_word":"actually","sentiment":"positive","sentiment_score":0.4289012551307678},{"word":"do","start":837.747,"end":838.247,"confidence":0.99964213,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3998614251613617},{"word":"something","start":838.635,"end":839.115,"confidence":0.998889,"punctuated_word":"something","sentiment":"positive","sentiment_score":0.4882880449295044},{"word":"called","start":839.115,"end":839.435,"confidence":0.99651647,"punctuated_word":"called","sentiment":"positive","sentiment_score":0.5049127340316772},{"word":"a","start":839.435,"end":839.675,"confidence":0.9786633,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4935806393623352},{"word":"cash","start":839.675,"end":839.91504,"confidence":0.9986646,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.2990574240684509},{"word":"out","start":839.91504,"end":840.235,"confidence":0.97131944,"punctuated_word":"out","sentiment":"positive","sentiment_score":0.35146260261535645},{"word":"recontribution","start":840.235,"end":840.735,"confidence":0.7827235,"punctuated_word":"recontribution","sentiment":"neutral","sentiment_score":0.30830979347229004},{"word":"if","start":841.77,"end":841.93005,"confidence":0.997891,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.36518362164497375},{"word":"you're","start":841.93005,"end":842.09,"confidence":0.9991199,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.3318405747413635},{"word":"comfortable","start":842.09,"end":842.57,"confidence":0.99939644,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.2544423043727875},{"word":"to","start":842.57,"end":842.73004,"confidence":0.99734145,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.4580667018890381},{"word":"do","start":842.73004,"end":842.89,"confidence":0.99777216,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3600066900253296},{"word":"this","start":842.89,"end":843.13,"confidence":0.9983912,"punctuated_word":"this","sentiment":"positive","sentiment_score":0.37845465540885925},{"word":"with","start":843.13,"end":843.29004,"confidence":0.99895346,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.34864541888237},{"word":"us","start":843.29004,"end":843.79004,"confidence":0.96826106,"punctuated_word":"us.","sentiment":"positive","sentiment_score":0.3709113299846649},{"word":"and","start":843.85004,"end":844.01,"confidence":0.9986558,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.37269091606140137},{"word":"what","start":844.01,"end":844.25,"confidence":0.9994165,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.35153183341026306},{"word":"it","start":844.25,"end":844.33,"confidence":0.99169254,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3049379885196686},{"word":"basically","start":844.33,"end":844.73004,"confidence":0.98629516,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.2404160350561142},{"word":"is","start":844.73004,"end":845.23004,"confidence":0.99549097,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.25146016478538513},{"word":"is","start":845.37006,"end":845.61005,"confidence":0.7025824,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.26976773142814636},{"word":"we","start":845.61005,"end":845.77,"confidence":0.9938877,"punctuated_word":"we","sentiment":"positive","sentiment_score":0.36097005009651184},{"word":"could","start":845.77,"end":846.01,"confidence":0.999231,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.35584554076194763},{"word":"pull","start":846.01,"end":846.33,"confidence":0.99437934,"punctuated_word":"pull","sentiment":"positive","sentiment_score":0.33842507004737854},{"word":"out","start":846.33,"end":846.65,"confidence":0.8998717,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.2789093554019928},{"word":"say","start":846.65,"end":847.15,"confidence":0.9893477,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.29734939336776733},{"word":"80,000","start":847.53,"end":848.27,"confidence":0.9969394,"punctuated_word":"80,000","sentiment":"positive","sentiment_score":0.3627801239490509},{"word":"and","start":848.81006,"end":849.05005,"confidence":0.95758563,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.29092514514923096},{"word":"put","start":849.05005,"end":849.21,"confidence":0.99964345,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.32629477977752686},{"word":"it","start":849.21,"end":849.37006,"confidence":0.9971551,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3278765082359314},{"word":"back","start":849.37006,"end":849.53,"confidence":0.9997973,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2764735221862793},{"word":"in","start":849.53,"end":849.77,"confidence":0.9988059,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2615430951118469},{"word":"within","start":849.77,"end":850.09,"confidence":0.9993969,"punctuated_word":"within","sentiment":"neutral","sentiment_score":0.2652517557144165},{"word":"a","start":850.09,"end":850.25,"confidence":0.99665207,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.390593945980072},{"word":"day","start":850.25,"end":850.41003,"confidence":0.9987141,"punctuated_word":"day","sentiment":"neutral","sentiment_score":0.32284417748451233},{"word":"or","start":850.41003,"end":850.65,"confidence":0.99924904,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.31687942147254944},{"word":"two","start":850.65,"end":851.15,"confidence":0.791837,"punctuated_word":"two,","sentiment":"neutral","sentiment_score":0.33258193731307983},{"word":"and","start":851.29004,"end":851.53,"confidence":0.99930847,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.38762789964675903},{"word":"that","start":851.53,"end":851.69,"confidence":0.999814,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.39358291029930115},{"word":"would","start":851.69,"end":851.93005,"confidence":0.99977165,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.4020759165287018},{"word":"essentially","start":851.93005,"end":852.43005,"confidence":0.98788387,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.32887324690818787},{"word":"wash","start":852.57,"end":853.07,"confidence":0.99513227,"punctuated_word":"wash","sentiment":"neutral","sentiment_score":0.28014999628067017},{"word":"90%","start":853.865,"end":854.58496,"confidence":0.9995885,"punctuated_word":"90%","sentiment":"positive","sentiment_score":0.37245339155197144},{"word":"of","start":854.58496,"end":854.745,"confidence":0.9998498,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.40348368883132935},{"word":"the","start":854.745,"end":854.825,"confidence":0.9990595,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.40612292289733887},{"word":"funds","start":854.825,"end":855.325,"confidence":0.9977309,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.2231457531452179},{"word":"back","start":855.46497,"end":855.70496,"confidence":0.9990095,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.31339842081069946},{"word":"into","start":855.70496,"end":856.02496,"confidence":0.99911445,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.32895320653915405},{"word":"a","start":856.02496,"end":856.185,"confidence":0.9968725,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4180009067058563},{"word":"tax","start":856.185,"end":856.505,"confidence":0.99941933,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.4199722409248352},{"word":"free","start":856.505,"end":856.745,"confidence":0.99122626,"punctuated_word":"free","sentiment":"neutral","sentiment_score":0.30240145325660706},{"word":"portion","start":856.745,"end":857.065,"confidence":0.9945387,"punctuated_word":"portion","sentiment":"positive","sentiment_score":0.362983375787735},{"word":"for","start":857.065,"end":857.225,"confidence":0.98955846,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.38774746656417847},{"word":"your","start":857.225,"end":857.46497,"confidence":0.99760455,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.4393673837184906},{"word":"children","start":857.46497,"end":857.96497,"confidence":0.9993905,"punctuated_word":"children.","sentiment":"neutral","sentiment_score":0.3255918025970459},{"word":"so","start":862.665,"end":863.14496,"confidence":0.9877862,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.29469889402389526},{"word":"if","start":863.14496,"end":863.385,"confidence":0.98860246,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.32181793451309204},{"word":"you're","start":863.385,"end":863.625,"confidence":0.99910194,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.29781854152679443},{"word":"comfortable","start":863.625,"end":864.105,"confidence":0.99957687,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.21530064940452576},{"word":"to","start":864.105,"end":864.26495,"confidence":0.9950342,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.32596051692962646},{"word":"kind","start":864.26495,"end":864.505,"confidence":0.9847868,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2445020079612732},{"word":"of","start":864.505,"end":864.745,"confidence":0.9994655,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3166404068470001},{"word":"go","start":864.745,"end":864.90497,"confidence":0.9987061,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.3211846351623535},{"word":"through","start":864.90497,"end":865.14496,"confidence":0.9997955,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.3312021493911743},{"word":"that","start":865.14496,"end":865.385,"confidence":0.99914277,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3789175748825073},{"word":"ride","start":865.385,"end":865.545,"confidence":0.7422206,"punctuated_word":"ride","sentiment":"neutral","sentiment_score":0.30419814586639404},{"word":"with","start":865.545,"end":865.785,"confidence":0.99230534,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2894834876060486},{"word":"me","start":865.785,"end":865.945,"confidence":0.99136436,"punctuated_word":"me,","sentiment":"neutral","sentiment_score":0.32854145765304565},{"word":"there","start":865.945,"end":866.105,"confidence":0.9670534,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.36833617091178894},{"word":"wouldn't","start":866.105,"end":866.425,"confidence":0.99963725,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":0.2761159837245941},{"word":"be","start":866.425,"end":866.58496,"confidence":0.9985661,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.17714092135429382},{"word":"too","start":866.58496,"end":866.825,"confidence":0.9982406,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.059904396533966064},{"word":"much","start":866.825,"end":867.065,"confidence":0.9999213,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.09154167771339417},{"word":"for","start":867.065,"end":867.225,"confidence":0.98337674,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09507493674755096},{"word":"you","start":867.225,"end":867.385,"confidence":0.9781235,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14819495379924774},{"word":"to","start":867.385,"end":867.545,"confidence":0.9984059,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13528171181678772},{"word":"do","start":867.545,"end":868.045,"confidence":0.9965204,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.17450490593910217},{"word":"i","start":868.26996,"end":868.51,"confidence":0.9995382,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.29124534130096436},{"word":"would","start":868.51,"end":868.75,"confidence":0.99988854,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.3355758786201477},{"word":"basically","start":868.75,"end":869.25,"confidence":0.96140116,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.3131912350654602},{"word":"update","start":869.87,"end":870.19,"confidence":0.9933943,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.22295090556144712},{"word":"your","start":870.19,"end":870.58997,"confidence":0.99818593,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.25316810607910156},{"word":"portfolio","start":870.58997,"end":871.08997,"confidence":0.9995617,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.1598789393901825},{"word":"to","start":871.14996,"end":871.23,"confidence":0.9991898,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.22919610142707825},{"word":"be","start":871.23,"end":871.39,"confidence":0.99940825,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.23476561903953552},{"word":"a","start":871.39,"end":871.47,"confidence":0.9963439,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.255942702293396},{"word":"bit","start":871.47,"end":871.63,"confidence":0.99890554,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1777828335762024},{"word":"more","start":871.63,"end":871.95,"confidence":0.99680316,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.15529215335845947},{"word":"conservative","start":871.95,"end":872.45,"confidence":0.9982969,"punctuated_word":"conservative.","sentiment":"neutral","sentiment_score":0.2404540777206421},{"word":"we","start":873.31,"end":873.55,"confidence":0.99894327,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.26826292276382446},{"word":"would","start":873.55,"end":873.79,"confidence":0.9997247,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.30900296568870544},{"word":"then","start":873.79,"end":874.19,"confidence":0.99936587,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.2904416024684906},{"word":"set","start":874.19,"end":874.43,"confidence":0.9949622,"punctuated_word":"set","sentiment":"neutral","sentiment_score":0.2655600905418396},{"word":"up","start":874.43,"end":874.58997,"confidence":0.99909794,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.3063754737377167},{"word":"your","start":874.58997,"end":874.75,"confidence":0.9974275,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.29893025755882263},{"word":"pension","start":874.75,"end":875.23,"confidence":0.9997284,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.18721115589141848},{"word":"account","start":875.23,"end":875.73,"confidence":0.97011745,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.25441864132881165},{"word":"do","start":876.26996,"end":876.58997,"confidence":0.9966479,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.2750604450702667},{"word":"a","start":876.58997,"end":876.82996,"confidence":0.99925,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.29120588302612305},{"word":"little","start":876.82996,"end":877.31,"confidence":0.99989843,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.22015158832073212},{"word":"withdrawal","start":877.31,"end":877.81,"confidence":0.9655075,"punctuated_word":"withdrawal,","sentiment":"neutral","sentiment_score":0.1815410852432251},{"word":"and","start":878.11,"end":878.26996,"confidence":0.99945027,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22709666192531583},{"word":"then","start":878.26996,"end":878.43,"confidence":0.99969435,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.27527424693107605},{"word":"you","start":878.43,"end":878.67,"confidence":0.9981294,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.30665358901023865},{"word":"just","start":878.67,"end":878.82996,"confidence":0.9819994,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.24638620018959043},{"word":"have","start":878.82996,"end":879.07,"confidence":0.99971396,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.32097572088241577},{"word":"to","start":879.07,"end":879.14996,"confidence":0.9989747,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.25510480999946594},{"word":"put","start":879.14996,"end":879.31,"confidence":0.9998957,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.2078959047794342},{"word":"it","start":879.31,"end":879.47,"confidence":0.99619436,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22855563461780548},{"word":"back","start":879.47,"end":879.63,"confidence":0.9998785,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.16908428072929382},{"word":"in","start":879.63,"end":879.87,"confidence":0.9990526,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.21695458889007568},{"word":"again","start":879.87,"end":880.37,"confidence":0.99588025,"punctuated_word":"again","sentiment":"neutral","sentiment_score":0.2828081548213959},{"word":"via","start":880.51,"end":880.91,"confidence":0.8670479,"punctuated_word":"via,","sentiment":"neutral","sentiment_score":0.1822764277458191},{"word":"like","start":880.91,"end":881.14996,"confidence":0.97932255,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.18736138939857483},{"word":"a","start":881.14996,"end":881.31,"confidence":0.9856608,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.21284016966819763},{"word":"bpay","start":881.31,"end":881.79,"confidence":0.7278541,"punctuated_word":"BPAY","sentiment":"neutral","sentiment_score":0.1716924011707306},{"word":"or","start":881.79,"end":882.02997,"confidence":0.99319345,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.14509576559066772},{"word":"eft","start":882.02997,"end":882.52997,"confidence":0.92662746,"punctuated_word":"EFT,","sentiment":"neutral","sentiment_score":0.18014177680015564},{"word":"and","start":883.125,"end":883.625,"confidence":0.9996923,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.18607203662395477},{"word":"we","start":883.84503,"end":884.085,"confidence":0.9996724,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.29702746868133545},{"word":"would","start":884.085,"end":884.16504,"confidence":0.9981285,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.3031228184700012},{"word":"handle","start":884.16504,"end":884.565,"confidence":0.9842179,"punctuated_word":"handle","sentiment":"neutral","sentiment_score":0.27934327721595764},{"word":"all","start":884.565,"end":884.72504,"confidence":0.98153186,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.23107245564460752},{"word":"the","start":884.72504,"end":884.805,"confidence":0.98446727,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.29321038722991943},{"word":"rest","start":884.805,"end":885.045,"confidence":0.9852101,"punctuated_word":"rest","sentiment":"neutral","sentiment_score":0.17663216590881348},{"word":"in","start":885.045,"end":885.205,"confidence":0.9962603,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.24660935997962952},{"word":"the","start":885.205,"end":885.28503,"confidence":0.9997087,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.25932347774505615},{"word":"background","start":885.28503,"end":885.78503,"confidence":0.98569715,"punctuated_word":"background.","sentiment":"neutral","sentiment_score":0.23834075033664703},{"word":"would","start":890.565,"end":890.72504,"confidence":0.9558946,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.06596654653549194},{"word":"you","start":890.72504,"end":890.965,"confidence":0.9997744,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14304018020629883},{"word":"be","start":890.965,"end":891.125,"confidence":0.9995246,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.09145890921354294},{"word":"comfortable","start":891.125,"end":891.525,"confidence":0.9964491,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.08003847301006317},{"word":"to","start":891.525,"end":891.685,"confidence":0.99755764,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11369146406650545},{"word":"kind","start":891.685,"end":891.925,"confidence":0.98715407,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.10152102261781693},{"word":"of","start":891.925,"end":892.005,"confidence":0.99980885,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12407301366329192},{"word":"i'll","start":892.085,"end":892.245,"confidence":0.9996885,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.13723528385162354},{"word":"put","start":892.245,"end":892.405,"confidence":0.99982005,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.22026559710502625},{"word":"that","start":892.405,"end":892.565,"confidence":0.9996044,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16901053488254547},{"word":"in","start":892.565,"end":892.805,"confidence":0.9983255,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1351991444826126},{"word":"writing","start":892.805,"end":893.125,"confidence":0.99366075,"punctuated_word":"writing","sentiment":"neutral","sentiment_score":0.1862577199935913},{"word":"so","start":893.125,"end":893.28503,"confidence":0.7752345,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1560639590024948},{"word":"it's","start":893.28503,"end":893.445,"confidence":0.96319866,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.19727978110313416},{"word":"in","start":893.445,"end":893.605,"confidence":0.88384813,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.16623084247112274},{"word":"plan","start":893.605,"end":893.925,"confidence":0.48966628,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.2095618098974228},{"word":"for","start":893.925,"end":894.16504,"confidence":0.994159,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1858839988708496},{"word":"you","start":894.16504,"end":894.245,"confidence":0.7368841,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.13447849452495575},{"word":"but","start":894.245,"end":894.405,"confidence":0.9982145,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.078951396048069},{"word":"would","start":894.405,"end":894.565,"confidence":0.9984156,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.045622557401657104},{"word":"you","start":894.565,"end":894.72504,"confidence":0.99949265,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08021373301744461},{"word":"be","start":894.72504,"end":894.805,"confidence":0.9994011,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.055148594081401825},{"word":"comfortable","start":894.805,"end":895.28503,"confidence":0.9955113,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.0363432914018631},{"word":"possibly","start":895.28503,"end":895.685,"confidence":0.9866615,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.08592811971902847},{"word":"doing","start":895.685,"end":896.185,"confidence":0.99900466,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.06006719917058945},{"word":"that","start":896.325,"end":896.485,"confidence":0.9994074,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08083513379096985},{"word":"with","start":896.485,"end":896.72504,"confidence":0.99949634,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05195682495832443},{"word":"us","start":896.72504,"end":896.885,"confidence":0.9982256,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.12590795755386353},{"word":"as","start":896.885,"end":896.965,"confidence":0.9930154,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.050252050161361694},{"word":"a","start":896.965,"end":897.125,"confidence":0.9992586,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09927792847156525},{"word":"bit","start":897.125,"end":897.28503,"confidence":0.9989849,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.058833785355091095},{"word":"of","start":897.28503,"end":897.445,"confidence":0.99939215,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06236368417739868},{"word":"a","start":897.445,"end":897.525,"confidence":0.98755264,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04133947938680649},{"word":"one","start":897.525,"end":897.765,"confidence":0.9777012,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07440699636936188},{"word":"off","start":897.765,"end":897.925,"confidence":0.9793289,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.04702301323413849},{"word":"strategy","start":897.925,"end":898.425,"confidence":0.97511303,"punctuated_word":"strategy?","sentiment":"neutral","sentiment_score":0.05836177244782448},{"word":"cool","start":902.41003,"end":902.91003,"confidence":0.8145855,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.6299639940261841},{"word":"i'll","start":903.37,"end":903.85004,"confidence":0.89526296,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.5226293802261353},{"word":"definitely","start":903.85004,"end":904.25,"confidence":0.998811,"punctuated_word":"definitely","sentiment":"positive","sentiment_score":0.5543989539146423},{"word":"crunch","start":904.25,"end":904.65,"confidence":0.99325484,"punctuated_word":"crunch","sentiment":"positive","sentiment_score":0.5267672538757324},{"word":"some","start":904.65,"end":904.81,"confidence":0.588722,"punctuated_word":"some","sentiment":"positive","sentiment_score":0.3978630304336548},{"word":"numbers","start":904.81,"end":905.13,"confidence":0.9997993,"punctuated_word":"numbers","sentiment":"positive","sentiment_score":0.49270984530448914},{"word":"and","start":905.13,"end":905.53,"confidence":0.98443395,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4484695792198181},{"word":"sort","start":905.53,"end":905.85004,"confidence":0.9893534,"punctuated_word":"sort","sentiment":"positive","sentiment_score":0.39507585763931274},{"word":"of","start":905.85004,"end":905.93005,"confidence":0.976987,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.467242032289505},{"word":"see","start":905.93005,"end":906.33,"confidence":0.974625,"punctuated_word":"see","sentiment":"positive","sentiment_score":0.4005080759525299},{"word":"how","start":906.33,"end":906.83,"confidence":0.9994875,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.38601309061050415},{"word":"it","start":907.05005,"end":907.21,"confidence":0.997649,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5593915581703186},{"word":"would","start":907.21,"end":907.37,"confidence":0.9987393,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.4929456114768982},{"word":"be","start":907.37,"end":907.53,"confidence":0.9989084,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5311269760131836},{"word":"best","start":907.53,"end":907.85004,"confidence":0.9997168,"punctuated_word":"best","sentiment":"positive","sentiment_score":0.3522346019744873},{"word":"to","start":907.85004,"end":907.93005,"confidence":0.99959093,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5590903162956238},{"word":"do","start":907.93005,"end":908.09,"confidence":0.99990046,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.5237222909927368},{"word":"that","start":908.09,"end":908.59,"confidence":0.9998559,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5855752825737},{"word":"and","start":908.73004,"end":909.23004,"confidence":0.8191911,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.47572460770606995},{"word":"go","start":909.29004,"end":909.53,"confidence":0.999553,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.5125342607498169},{"word":"through","start":909.53,"end":909.77,"confidence":0.9998797,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.6033743619918823},{"word":"that","start":909.77,"end":910.01,"confidence":0.9994288,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6503649353981018},{"word":"updated","start":910.01,"end":910.49005,"confidence":0.9690387,"punctuated_word":"updated","sentiment":"positive","sentiment_score":0.547869086265564},{"word":"advice","start":910.49005,"end":910.81,"confidence":0.8711414,"punctuated_word":"advice","sentiment":"positive","sentiment_score":0.4776826500892639},{"word":"document","start":910.81,"end":911.21,"confidence":0.9950493,"punctuated_word":"document","sentiment":"positive","sentiment_score":0.5209570527076721},{"word":"with","start":911.21,"end":911.45,"confidence":0.94188535,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.5237216353416443},{"word":"you","start":911.45,"end":911.53,"confidence":0.99836427,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6238280534744263},{"word":"in","start":911.53,"end":911.69,"confidence":0.9976336,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5012048482894897},{"word":"a","start":911.69,"end":911.85004,"confidence":0.99758124,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5229665040969849},{"word":"few","start":911.85004,"end":912.01,"confidence":0.9997625,"punctuated_word":"few","sentiment":"positive","sentiment_score":0.3665258586406708},{"word":"weeks'","start":912.01,"end":912.41003,"confidence":0.75119233,"punctuated_word":"weeks'","sentiment":"positive","sentiment_score":0.4263120889663696},{"word":"time","start":912.41003,"end":912.91003,"confidence":0.99951696,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.4776673913002014},{"word":"just","start":913.115,"end":913.27496,"confidence":0.9997429,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.4767713248729706},{"word":"to","start":913.27496,"end":913.435,"confidence":0.99982256,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.42897889018058777},{"word":"show","start":913.435,"end":913.51495,"confidence":0.9996755,"punctuated_word":"show","sentiment":"positive","sentiment_score":0.4413749873638153},{"word":"you","start":913.51495,"end":913.995,"confidence":0.999368,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5479357242584229},{"word":"what","start":913.995,"end":914.235,"confidence":0.99921703,"punctuated_word":"what","sentiment":"positive","sentiment_score":0.5259735584259033},{"word":"i'm","start":914.235,"end":914.39496,"confidence":0.99689674,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.4650341868400574},{"word":"changing","start":914.39496,"end":914.71497,"confidence":0.99889636,"punctuated_word":"changing","sentiment":"positive","sentiment_score":0.5272627472877502},{"word":"with","start":914.71497,"end":914.95496,"confidence":0.9989047,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4836192727088928},{"word":"the","start":914.95496,"end":915.115,"confidence":0.9932087,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4495353400707245},{"word":"investments","start":915.115,"end":915.615,"confidence":0.90282613,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.27306216955184937},{"word":"and","start":916.07495,"end":916.235,"confidence":0.66435945,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.42738062143325806},{"word":"also","start":916.235,"end":916.555,"confidence":0.9160382,"punctuated_word":"also","sentiment":"positive","sentiment_score":0.4303392469882965},{"word":"how","start":916.555,"end":916.71497,"confidence":0.7613989,"punctuated_word":"how","sentiment":"positive","sentiment_score":0.34669744968414307},{"word":"to","start":916.71497,"end":916.875,"confidence":0.9695877,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.340779572725296},{"word":"go","start":916.875,"end":917.035,"confidence":0.99889356,"punctuated_word":"go","sentiment":"positive","sentiment_score":0.3746432065963745},{"word":"about","start":917.035,"end":917.355,"confidence":0.9985341,"punctuated_word":"about","sentiment":"positive","sentiment_score":0.35562950372695923},{"word":"doing","start":917.355,"end":917.595,"confidence":0.99775547,"punctuated_word":"doing","sentiment":"positive","sentiment_score":0.3697074353694916},{"word":"that","start":917.595,"end":917.995,"confidence":0.74406946,"punctuated_word":"that,","sentiment":"positive","sentiment_score":0.4432865977287293},{"word":"and","start":917.995,"end":918.235,"confidence":0.9994081,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3863115608692169},{"word":"we'll","start":918.235,"end":918.39496,"confidence":0.988585,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.4408606886863709},{"word":"pretty","start":918.39496,"end":918.63495,"confidence":0.99728656,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3620964288711548},{"word":"much","start":918.63495,"end":918.875,"confidence":0.9998876,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.3331766128540039},{"word":"hold","start":918.875,"end":919.035,"confidence":0.98164785,"punctuated_word":"hold","sentiment":"positive","sentiment_score":0.3789583444595337},{"word":"your","start":919.035,"end":919.19495,"confidence":0.8803772,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3476310968399048},{"word":"hand","start":919.19495,"end":919.435,"confidence":0.98189354,"punctuated_word":"hand","sentiment":"positive","sentiment_score":0.38169240951538086},{"word":"along","start":919.435,"end":919.915,"confidence":0.98173404,"punctuated_word":"along","sentiment":"positive","sentiment_score":0.3516858220100403},{"word":"the","start":919.915,"end":920.07495,"confidence":0.97173464,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3669167459011078},{"word":"whole","start":920.07495,"end":920.555,"confidence":0.99273866,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.22955848276615143},{"word":"whole","start":920.555,"end":920.795,"confidence":0.9209287,"punctuated_word":"whole","sentiment":"neutral","sentiment_score":0.2452813684940338},{"word":"time","start":920.795,"end":921.295,"confidence":0.9987782,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.27664950489997864},{"word":"and","start":924.39496,"end":924.63495,"confidence":0.843588,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.05649701878428459},{"word":"the","start":924.63495,"end":924.795,"confidence":0.99725014,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.033730752766132355},{"word":"last","start":924.795,"end":925.115,"confidence":0.9999435,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.009098045527935028},{"word":"thing","start":925.115,"end":925.27496,"confidence":0.9997328,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.02542317658662796},{"word":"i","start":925.27496,"end":925.435,"confidence":0.999079,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.003387726843357086},{"word":"wanted","start":925.435,"end":925.83496,"confidence":0.99185014,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.01769273355603218},{"word":"to","start":925.83496,"end":925.915,"confidence":0.9991744,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.014700490981340408},{"word":"check","start":925.915,"end":926.415,"confidence":0.99961746,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.020356614142656326},{"word":"was","start":926.76,"end":927.0,"confidence":0.99983716,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.022571396082639698},{"word":"because","start":927.0,"end":927.32,"confidence":0.7522561,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.020285211503505707},{"word":"you're","start":927.32,"end":927.48004,"confidence":0.9978258,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.010103920474648476},{"word":"on","start":927.48004,"end":927.72003,"confidence":0.99844825,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.025714507326483727},{"word":"disability","start":927.72003,"end":928.22003,"confidence":0.98600554,"punctuated_word":"disability","sentiment":"neutral","sentiment_score":-0.02220696583390236},{"word":"support","start":928.36005,"end":928.68,"confidence":0.99894077,"punctuated_word":"support","sentiment":"neutral","sentiment_score":-0.01644742116332054},{"word":"pension","start":928.68,"end":929.18,"confidence":0.9331225,"punctuated_word":"pension,","sentiment":"neutral","sentiment_score":-0.016720259562134743},{"word":"would","start":929.72003,"end":929.96,"confidence":0.9990777,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.03546662628650665},{"word":"you","start":929.96,"end":930.36005,"confidence":0.99991,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04452408477663994},{"word":"be","start":930.36005,"end":930.86005,"confidence":0.99963796,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.042782753705978394},{"word":"essentially","start":931.56,"end":932.06,"confidence":0.9560476,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":-0.04362816363573074},{"word":"classed","start":932.36005,"end":932.76,"confidence":0.9335244,"punctuated_word":"classed","sentiment":"neutral","sentiment_score":-0.031582366675138474},{"word":"by","start":932.76,"end":933.0,"confidence":0.99913967,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.03853056579828262},{"word":"the","start":933.0,"end":933.16003,"confidence":0.99739057,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.036462076008319855},{"word":"doctors","start":933.16003,"end":933.66003,"confidence":0.9538477,"punctuated_word":"doctors","sentiment":"neutral","sentiment_score":-0.04028365761041641},{"word":"as","start":933.80005,"end":934.30005,"confidence":0.8687018,"punctuated_word":"as,","sentiment":"neutral","sentiment_score":-0.03152913600206375},{"word":"say","start":934.84,"end":935.34,"confidence":0.89062095,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":-0.03482050448656082},{"word":"only","start":935.64,"end":935.96,"confidence":0.5256033,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.048936087638139725},{"word":"and","start":935.96,"end":936.12,"confidence":0.9473685,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.03905531391501427},{"word":"permanently","start":936.12,"end":936.62,"confidence":0.9974988,"punctuated_word":"permanently","sentiment":"neutral","sentiment_score":-0.009244196116924286},{"word":"disabled","start":936.76,"end":937.26,"confidence":0.9991906,"punctuated_word":"disabled","sentiment":"neutral","sentiment_score":-0.020666424185037613},{"word":"by","start":937.32,"end":937.48004,"confidence":0.51420707,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.030301280319690704},{"word":"tbd","start":937.48004,"end":937.98004,"confidence":0.65356135,"punctuated_word":"TBD,","sentiment":"neutral","sentiment_score":0.0017400284996256232},{"word":"or","start":938.69495,"end":938.935,"confidence":0.9997003,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03120986744761467},{"word":"is","start":938.935,"end":939.01495,"confidence":0.99701166,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.029089588671922684},{"word":"it","start":939.01495,"end":939.51495,"confidence":0.9990169,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.00451480969786644},{"word":"just","start":939.89496,"end":940.055,"confidence":0.9993612,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03741568326950073},{"word":"kind","start":940.055,"end":940.375,"confidence":0.4791491,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.029239095747470856},{"word":"of","start":940.375,"end":940.535,"confidence":0.9995178,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03247576579451561},{"word":"middle","start":940.535,"end":940.77496,"confidence":0.9786452,"punctuated_word":"middle","sentiment":"neutral","sentiment_score":-0.05860629677772522},{"word":"ground","start":940.77496,"end":941.095,"confidence":0.98940116,"punctuated_word":"ground","sentiment":"neutral","sentiment_score":-0.013737745583057404},{"word":"in","start":941.095,"end":941.25494,"confidence":0.9975828,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.010985638946294785},{"word":"between","start":941.25494,"end":941.75494,"confidence":0.9964251,"punctuated_word":"between?","sentiment":"neutral","sentiment_score":-0.01702927239239216},{"word":"yes","start":973.055,"end":973.555,"confidence":0.8229196,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":-0.11941000819206238},{"word":"perfect","start":979.47003,"end":979.97003,"confidence":0.9893193,"punctuated_word":"Perfect.","sentiment":"neutral","sentiment_score":0.29568785429000854},{"word":"so","start":980.19,"end":980.67004,"confidence":0.99737656,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02697618305683136},{"word":"the","start":980.67004,"end":980.75,"confidence":0.8288483,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.019771069288253784},{"word":"i","start":980.91003,"end":980.99005,"confidence":0.99978036,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.003641687333583832},{"word":"guess","start":980.99005,"end":981.23004,"confidence":0.99980336,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.01599307358264923},{"word":"the","start":981.23004,"end":981.31,"confidence":0.79210347,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00749795138835907},{"word":"last","start":981.31,"end":981.63,"confidence":0.99982834,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.021049588918685913},{"word":"question","start":981.63,"end":982.03,"confidence":0.9995827,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.04333507642149925},{"word":"there","start":982.03,"end":982.35004,"confidence":0.9842964,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.06418421864509583},{"word":"is","start":982.35004,"end":982.85004,"confidence":0.9992551,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06781027466058731},{"word":"when","start":983.15,"end":983.55005,"confidence":0.67867637,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.052866097539663315},{"word":"you","start":983.55005,"end":984.03,"confidence":0.9998888,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.056124165654182434},{"word":"had","start":984.03,"end":984.53,"confidence":0.99902534,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.051836226135492325},{"word":"that","start":985.15,"end":985.47003,"confidence":0.99292,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.03191280737519264},{"word":"situation","start":985.47003,"end":985.97003,"confidence":0.99994266,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":-0.05660581216216087},{"word":"occurring","start":986.11005,"end":986.51,"confidence":0.92872167,"punctuated_word":"occurring","sentiment":"neutral","sentiment_score":-0.058804307132959366},{"word":"and","start":986.51,"end":986.67004,"confidence":0.76767147,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07020113617181778},{"word":"you","start":986.67004,"end":986.91003,"confidence":0.96513414,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.10337918996810912},{"word":"stopped","start":986.91003,"end":987.31,"confidence":0.9953572,"punctuated_word":"stopped","sentiment":"neutral","sentiment_score":-0.06639795005321503},{"word":"working","start":987.31,"end":987.81,"confidence":0.9867183,"punctuated_word":"working,","sentiment":"neutral","sentiment_score":-0.09781549870967864},{"word":"what","start":989.225,"end":989.465,"confidence":0.9920284,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.11705762147903442},{"word":"were","start":989.465,"end":989.625,"confidence":0.97853786,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.1317973434925079},{"word":"you","start":989.625,"end":989.785,"confidence":0.9998166,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.0943893864750862},{"word":"actually","start":989.785,"end":990.105,"confidence":0.99790764,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.09821665287017822},{"word":"doing","start":990.105,"end":990.345,"confidence":0.9992848,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.10634970664978027},{"word":"for","start":990.345,"end":990.505,"confidence":0.9710047,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.10140126198530196},{"word":"work","start":990.505,"end":990.825,"confidence":0.99916553,"punctuated_word":"work","sentiment":"neutral","sentiment_score":-0.06927761435508728},{"word":"at","start":990.825,"end":990.90497,"confidence":0.9996132,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.07190600037574768},{"word":"the","start":990.90497,"end":991.065,"confidence":0.95212805,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03344912454485893},{"word":"time","start":991.065,"end":991.565,"confidence":0.99897456,"punctuated_word":"time?","sentiment":"neutral","sentiment_score":-0.03754561021924019},{"word":"yep","start":1002.89996,"end":1003.39996,"confidence":0.7397636,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.02316355332732201},{"word":"and","start":1004.33997,"end":1004.66,"confidence":0.962054,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.01025163009762764},{"word":"you","start":1004.66,"end":1004.74,"confidence":0.99769706,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.015505317598581314},{"word":"would","start":1004.74,"end":1004.89996,"confidence":0.9990571,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.015803996473550797},{"word":"have","start":1004.89996,"end":1005.06,"confidence":0.79713494,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.007409702986478805},{"word":"had","start":1005.06,"end":1005.22,"confidence":0.9826545,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.02174355834722519},{"word":"to","start":1005.22,"end":1005.3,"confidence":0.9992544,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.03517270088195801},{"word":"do","start":1005.3,"end":1005.38,"confidence":0.9990728,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.039443597197532654},{"word":"a","start":1005.38,"end":1005.45996,"confidence":0.9992544,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03184591978788376},{"word":"bit","start":1005.45996,"end":1005.69995,"confidence":0.9996822,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.023778047412633896},{"word":"of","start":1005.69995,"end":1006.19995,"confidence":0.9587368,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.025406252592802048},{"word":"like","start":1006.5,"end":1006.89996,"confidence":0.8926778,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.019302338361740112},{"word":"traveling","start":1006.89996,"end":1007.37994,"confidence":0.86340487,"punctuated_word":"traveling","sentiment":"neutral","sentiment_score":-0.05150064826011658},{"word":"around","start":1007.37994,"end":1007.87994,"confidence":0.95891213,"punctuated_word":"around,","sentiment":"neutral","sentiment_score":-0.03314825892448425},{"word":"like","start":1008.1,"end":1008.42,"confidence":0.8968085,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.0212563369423151},{"word":"travel","start":1008.42,"end":1008.74,"confidence":0.98856294,"punctuated_word":"travel","sentiment":"neutral","sentiment_score":-0.05402491986751557},{"word":"salesman","start":1008.74,"end":1009.22,"confidence":0.48098323,"punctuated_word":"salesman","sentiment":"neutral","sentiment_score":-0.03796308487653732},{"word":"type","start":1009.22,"end":1009.54,"confidence":0.8696807,"punctuated_word":"type","sentiment":"neutral","sentiment_score":-0.04456582665443421},{"word":"thing","start":1009.54,"end":1009.77997,"confidence":0.76028824,"punctuated_word":"thing?","sentiment":"neutral","sentiment_score":-0.017135202884674072},{"word":"or","start":1009.77997,"end":1010.27997,"confidence":0.99527293,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.01501743495464325},{"word":"yep","start":1013.69995,"end":1014.19995,"confidence":0.9732606,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":-0.021415187045931816},{"word":"so","start":1015.335,"end":1015.575,"confidence":0.96139073,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02447821199893951},{"word":"i","start":1015.575,"end":1015.735,"confidence":0.70711744,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.017810821533203125},{"word":"guess","start":1015.735,"end":1016.235,"confidence":0.99966943,"punctuated_word":"guess","sentiment":"neutral","sentiment_score":0.023890480399131775},{"word":"why","start":1016.455,"end":1016.695,"confidence":0.6672374,"punctuated_word":"why","sentiment":"neutral","sentiment_score":-0.0017664805054664612},{"word":"i'm","start":1016.695,"end":1016.855,"confidence":0.9981119,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.02375592105090618},{"word":"kind","start":1016.855,"end":1017.015,"confidence":0.9900109,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04533508419990539},{"word":"of","start":1017.015,"end":1017.175,"confidence":0.99963665,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0027408525347709656},{"word":"going","start":1017.175,"end":1017.495,"confidence":0.9995166,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.07250223308801651},{"word":"down","start":1017.495,"end":1017.655,"confidence":0.9994685,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.12353436648845673},{"word":"this","start":1017.655,"end":1017.895,"confidence":0.9991097,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1077146977186203},{"word":"route","start":1017.895,"end":1018.135,"confidence":0.9836399,"punctuated_word":"route","sentiment":"neutral","sentiment_score":0.07871698588132858},{"word":"too","start":1018.135,"end":1018.375,"confidence":0.87999207,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.12619708478450775},{"word":"is","start":1018.375,"end":1018.615,"confidence":0.90962577,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.0914871096611023},{"word":"that","start":1018.615,"end":1019.115,"confidence":0.99172384,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03518360108137131},{"word":"because","start":1019.335,"end":1019.655,"confidence":0.776756,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.026987768709659576},{"word":"we're","start":1019.655,"end":1019.815,"confidence":0.99958134,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.05325188860297203},{"word":"in","start":1019.815,"end":1019.975,"confidence":0.99940026,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.03563931584358215},{"word":"this","start":1019.975,"end":1020.215,"confidence":0.9075313,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.05673142522573471},{"word":"situation","start":1020.215,"end":1020.615,"confidence":0.99982363,"punctuated_word":"situation","sentiment":"neutral","sentiment_score":0.06666681170463562},{"word":"where","start":1020.615,"end":1020.855,"confidence":0.9946719,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.05313456058502197},{"word":"i'm","start":1020.855,"end":1021.015,"confidence":0.99911773,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0803481936454773},{"word":"kind","start":1021.015,"end":1021.255,"confidence":0.9945785,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.0960959866642952},{"word":"of","start":1021.255,"end":1021.655,"confidence":0.99740297,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07710810005664825},{"word":"optimizing","start":1021.655,"end":1022.155,"confidence":0.999258,"punctuated_word":"optimizing","sentiment":"neutral","sentiment_score":0.1133166253566742},{"word":"your","start":1022.215,"end":1022.455,"confidence":0.9987197,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.13653545081615448},{"word":"estate","start":1022.455,"end":1022.855,"confidence":0.9150961,"punctuated_word":"estate","sentiment":"neutral","sentiment_score":0.08284346759319305},{"word":"planning","start":1022.855,"end":1023.355,"confidence":0.91046226,"punctuated_word":"planning,","sentiment":"neutral","sentiment_score":0.13489225506782532},{"word":"you","start":1023.815,"end":1024.055,"confidence":0.9986004,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02130158245563507},{"word":"can","start":1024.055,"end":1024.295,"confidence":0.9998317,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17735986411571503},{"word":"also","start":1024.295,"end":1024.795,"confidence":0.9996308,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.17384099960327148},{"word":"potentially","start":1025.015,"end":1025.515,"confidence":0.98706114,"punctuated_word":"potentially","sentiment":"neutral","sentiment_score":0.2162128239870071},{"word":"click","start":1025.655,"end":1025.895,"confidence":0.9994653,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.24980907142162323},{"word":"on","start":1025.895,"end":1026.135,"confidence":0.7965005,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.23486089706420896},{"word":"like","start":1026.135,"end":1026.295,"confidence":0.99313354,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.2200072705745697},{"word":"a","start":1026.295,"end":1026.455,"confidence":0.9973239,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22309407591819763},{"word":"tbd","start":1026.455,"end":1026.955,"confidence":0.9059349,"punctuated_word":"TBD","sentiment":"neutral","sentiment_score":0.1326151043176651},{"word":"status","start":1027.015,"end":1027.495,"confidence":0.99925584,"punctuated_word":"status","sentiment":"neutral","sentiment_score":0.2493284642696381},{"word":"on","start":1027.495,"end":1027.735,"confidence":0.98786783,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2343260794878006},{"word":"the","start":1027.735,"end":1027.895,"confidence":0.7764939,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27562013268470764},{"word":"super","start":1027.895,"end":1028.395,"confidence":0.5379925,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.2797779440879822},{"word":"and","start":1028.6599,"end":1028.82,"confidence":0.9997185,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.29021090269088745},{"word":"that'll","start":1028.82,"end":1029.0599,"confidence":0.899804,"punctuated_word":"that'll","sentiment":"positive","sentiment_score":0.335765540599823},{"word":"give","start":1029.0599,"end":1029.2999,"confidence":0.99826884,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.2989065945148468},{"word":"you","start":1029.2999,"end":1029.46,"confidence":0.9269198,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.3767737150192261},{"word":"like","start":1029.46,"end":1029.7,"confidence":0.9986598,"punctuated_word":"like,","sentiment":"positive","sentiment_score":0.44974827766418457},{"word":"a","start":1029.7,"end":1029.7799,"confidence":0.99826306,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3929587602615357},{"word":"tax","start":1029.7799,"end":1030.1,"confidence":0.99759525,"punctuated_word":"tax","sentiment":"positive","sentiment_score":0.4746593236923218},{"word":"free","start":1030.1,"end":1030.34,"confidence":0.99295515,"punctuated_word":"free","sentiment":"positive","sentiment_score":0.3369678556919098},{"word":"up","start":1030.34,"end":1030.5,"confidence":0.40275478,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.36283522844314575},{"word":"to","start":1030.5,"end":1030.6599,"confidence":0.25436217,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.33087942004203796},{"word":"list","start":1030.6599,"end":1030.8999,"confidence":0.22621343,"punctuated_word":"list","sentiment":"positive","sentiment_score":0.34198325872421265},{"word":"to","start":1030.8999,"end":1030.98,"confidence":0.9799747,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.34535452723503113},{"word":"convert","start":1030.98,"end":1031.38,"confidence":0.99878925,"punctuated_word":"convert","sentiment":"neutral","sentiment_score":0.31500595808029175},{"word":"your","start":1031.38,"end":1031.62,"confidence":0.99771285,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.3585723340511322},{"word":"funds","start":1031.62,"end":1032.0199,"confidence":0.99409384,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.29766008257865906},{"word":"as","start":1032.0199,"end":1032.1,"confidence":0.9992029,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.3229799270629883},{"word":"well","start":1032.1,"end":1032.6,"confidence":0.9653328,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.2319638431072235},{"word":"it","start":1033.22,"end":1033.38,"confidence":0.9957898,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.06877150386571884},{"word":"would","start":1033.38,"end":1033.62,"confidence":0.99968874,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.08327727019786835},{"word":"be","start":1033.62,"end":1034.12,"confidence":0.9995772,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.1125364825129509},{"word":"a","start":1034.1799,"end":1034.26,"confidence":0.99973816,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0009037777781486512},{"word":"lot","start":1034.26,"end":1034.5,"confidence":0.9999201,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":-0.06488151848316193},{"word":"more","start":1034.5,"end":1034.82,"confidence":0.9997881,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.1065102592110634},{"word":"paperwork","start":1034.82,"end":1035.32,"confidence":0.99255705,"punctuated_word":"paperwork","sentiment":"neutral","sentiment_score":-0.1736234724521637},{"word":"in","start":1035.46,"end":1035.62,"confidence":0.99551964,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.25165271759033203},{"word":"terms","start":1035.62,"end":1035.94,"confidence":0.99987626,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.15953600406646729},{"word":"of","start":1035.94,"end":1036.1799,"confidence":0.9995161,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.20842677354812625},{"word":"doctors'","start":1036.1799,"end":1036.6799,"confidence":0.5532616,"punctuated_word":"doctors'","sentiment":"neutral","sentiment_score":-0.16527798771858215},{"word":"reports","start":1037.62,"end":1038.12,"confidence":0.93126106,"punctuated_word":"reports,","sentiment":"neutral","sentiment_score":-0.07185813784599304},{"word":"filling","start":1038.82,"end":1039.14,"confidence":0.9979572,"punctuated_word":"filling","sentiment":"neutral","sentiment_score":-0.05574002116918564},{"word":"out","start":1039.14,"end":1039.38,"confidence":0.99832016,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.002699121832847595},{"word":"heaps","start":1039.38,"end":1039.7,"confidence":0.997596,"punctuated_word":"heaps","sentiment":"neutral","sentiment_score":-0.013948537409305573},{"word":"of","start":1039.7,"end":1039.86,"confidence":0.9986045,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03450863063335419},{"word":"forms","start":1039.86,"end":1040.1799,"confidence":0.7701615,"punctuated_word":"forms,","sentiment":"neutral","sentiment_score":-0.010381810367107391},{"word":"and","start":1040.1799,"end":1040.34,"confidence":0.9996195,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.044764332473278046},{"word":"all","start":1040.34,"end":1040.5,"confidence":0.9994804,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.05327548831701279},{"word":"that","start":1040.5,"end":1040.6599,"confidence":0.99704224,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0409199595451355},{"word":"kind","start":1040.6599,"end":1040.8999,"confidence":0.9780211,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.07865209132432938},{"word":"of","start":1040.8999,"end":1040.98,"confidence":0.9988065,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11674588173627852},{"word":"thing","start":1040.98,"end":1041.14,"confidence":0.97791994,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.184939444065094},{"word":"which","start":1041.14,"end":1041.2999,"confidence":0.99958175,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.2375490665435791},{"word":"i","start":1041.2999,"end":1041.46,"confidence":0.99717146,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24400673806667328},{"word":"can","start":1041.46,"end":1041.62,"confidence":0.99870276,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3036690950393677},{"word":"pretty","start":1041.62,"end":1041.86,"confidence":0.9971629,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.31216293573379517},{"word":"much","start":1041.86,"end":1042.1,"confidence":0.9981325,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.33850282430648804},{"word":"achieve","start":1042.1,"end":1042.5,"confidence":0.99189585,"punctuated_word":"achieve","sentiment":"neutral","sentiment_score":0.24415701627731323},{"word":"just","start":1042.5,"end":1042.695,"confidence":0.92724824,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2555525004863739},{"word":"by","start":1042.695,"end":1042.855,"confidence":0.9995043,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.2575826644897461},{"word":"doing","start":1042.855,"end":1043.1749,"confidence":0.9976967,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.2911824882030487},{"word":"that","start":1043.1749,"end":1043.4149,"confidence":0.99856514,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3081616163253784},{"word":"repontribution","start":1043.4149,"end":1043.9149,"confidence":0.7927344,"punctuated_word":"repontribution","sentiment":"neutral","sentiment_score":0.2245434671640396},{"word":"with","start":1044.215,"end":1044.375,"confidence":0.9667372,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.2733606994152069},{"word":"the","start":1044.375,"end":1044.5349,"confidence":0.98666775,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2571375072002411},{"word":"pension","start":1044.5349,"end":1044.855,"confidence":0.99776125,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.1949651539325714},{"word":"i","start":1044.855,"end":1045.0149,"confidence":0.96782637,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19429358839988708},{"word":"mentioned","start":1045.0149,"end":1045.5149,"confidence":0.8037468,"punctuated_word":"mentioned.","sentiment":"neutral","sentiment_score":0.13179925084114075},{"word":"but","start":1045.8949,"end":1046.1349,"confidence":0.9847156,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.15629330277442932},{"word":"it","start":1046.1349,"end":1046.2949,"confidence":0.9942637,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2146429717540741},{"word":"would","start":1046.2949,"end":1046.615,"confidence":0.99927706,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.29246294498443604},{"word":"kind","start":1046.615,"end":1046.7749,"confidence":0.9867452,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.24313420057296753},{"word":"of","start":1046.7749,"end":1046.9349,"confidence":0.9992169,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.30439436435699463},{"word":"give","start":1046.9349,"end":1047.095,"confidence":0.99841714,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.3380625247955322},{"word":"you","start":1047.095,"end":1047.255,"confidence":0.9988393,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.37121468782424927},{"word":"that","start":1047.255,"end":1047.575,"confidence":0.9984491,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.3572840392589569},{"word":"last","start":1047.575,"end":1047.8949,"confidence":0.99074954,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.2948288321495056},{"word":"little","start":1047.8949,"end":1048.3949,"confidence":0.9782496,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.38275840878486633},{"word":"little","start":1048.9349,"end":1049.255,"confidence":0.9019831,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.387214332818985},{"word":"optimization","start":1049.255,"end":1049.755,"confidence":0.996027,"punctuated_word":"optimization","sentiment":"positive","sentiment_score":0.482634037733078},{"word":"there","start":1050.1349,"end":1050.6349,"confidence":0.99617136,"punctuated_word":"there.","sentiment":"positive","sentiment_score":0.3651585876941681},{"word":"it","start":1050.9349,"end":1051.095,"confidence":0.99861836,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.3680957555770874},{"word":"would","start":1051.095,"end":1051.255,"confidence":0.99982613,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.3505546450614929},{"word":"be","start":1051.255,"end":1051.755,"confidence":0.99939835,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.364371657371521},{"word":"a","start":1051.975,"end":1052.1349,"confidence":0.99885225,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.4273049831390381},{"word":"decent","start":1052.1349,"end":1052.455,"confidence":0.99981326,"punctuated_word":"decent","sentiment":"positive","sentiment_score":0.3504910469055176},{"word":"amount","start":1052.455,"end":1052.7749,"confidence":0.99985313,"punctuated_word":"amount","sentiment":"positive","sentiment_score":0.4748258888721466},{"word":"of","start":1052.7749,"end":1052.855,"confidence":0.9996315,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4306854903697967},{"word":"work","start":1052.855,"end":1053.095,"confidence":0.99960226,"punctuated_word":"work","sentiment":"positive","sentiment_score":0.42841774225234985},{"word":"for","start":1053.095,"end":1053.335,"confidence":0.93852544,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.33932971954345703},{"word":"a","start":1053.335,"end":1053.4149,"confidence":0.989915,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.35515719652175903},{"word":"little","start":1053.4149,"end":1053.735,"confidence":0.9990295,"punctuated_word":"little","sentiment":"positive","sentiment_score":0.3564261198043823},{"word":"gain","start":1053.735,"end":1054.235,"confidence":0.86779106,"punctuated_word":"gain,","sentiment":"neutral","sentiment_score":0.32824471592903137},{"word":"but","start":1054.375,"end":1054.5349,"confidence":0.99957925,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.27347156405448914},{"word":"it's","start":1054.5349,"end":1054.7749,"confidence":0.94735605,"punctuated_word":"it's,","sentiment":"neutral","sentiment_score":0.2034602165222168},{"word":"i","start":1054.7749,"end":1054.9349,"confidence":0.9994549,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.19239196181297305},{"word":"guess","start":1054.9349,"end":1055.1749,"confidence":0.9853709,"punctuated_word":"guess,","sentiment":"neutral","sentiment_score":0.1894345581531525},{"word":"what","start":1055.1749,"end":1055.335,"confidence":0.9989667,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.17340368032455444},{"word":"i","start":1055.335,"end":1055.4149,"confidence":0.99965024,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15383891761302948},{"word":"would","start":1055.4149,"end":1055.6549,"confidence":0.99838376,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.18880963325500488},{"word":"say","start":1055.6549,"end":1055.815,"confidence":0.99936646,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.1648404896259308},{"word":"is","start":1055.815,"end":1055.975,"confidence":0.8995308,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.14943444728851318},{"word":"the","start":1055.975,"end":1056.0549,"confidence":0.99566853,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09199242293834686},{"word":"most","start":1056.0549,"end":1056.375,"confidence":0.99971694,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.136990487575531},{"word":"optimal","start":1056.375,"end":1056.875,"confidence":0.98466325,"punctuated_word":"optimal","sentiment":"neutral","sentiment_score":0.2437097728252411},{"word":"situation","start":1057.0149,"end":1057.5149,"confidence":0.99460614,"punctuated_word":"situation.","sentiment":"neutral","sentiment_score":0.27242207527160645},{"word":"so","start":1057.6549,"end":1057.89,"confidence":0.94493854,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.023356392979621887},{"word":"i","start":1057.97,"end":1058.05,"confidence":0.99816054,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06573167443275452},{"word":"just","start":1058.05,"end":1058.21,"confidence":0.987735,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.04854598641395569},{"word":"wanted","start":1058.21,"end":1058.29,"confidence":0.9548134,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":-0.31165286898612976},{"word":"to","start":1058.29,"end":1058.37,"confidence":0.99547476,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.28007251024246216},{"word":"run","start":1058.37,"end":1058.6901,"confidence":0.9995802,"punctuated_word":"run","sentiment":"neutral","sentiment_score":-0.25426608324050903},{"word":"it","start":1058.6901,"end":1058.77,"confidence":0.99429977,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.3556120693683624},{"word":"by","start":1058.77,"end":1059.01,"confidence":0.9974885,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.28996822237968445},{"word":"you","start":1059.01,"end":1059.17,"confidence":0.99623317,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.32658714056015015},{"word":"if","start":1059.17,"end":1059.33,"confidence":0.9131732,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.3167816400527954},{"word":"that's","start":1059.33,"end":1059.5701,"confidence":0.9840473,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.24514006078243256},{"word":"yeah","start":1061.17,"end":1061.67,"confidence":0.92145,"punctuated_word":"yeah.","sentiment":"negative","sentiment_score":-0.632428765296936},{"word":"that's","start":1063.25,"end":1063.5701,"confidence":0.98827946,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12936106324195862},{"word":"okay","start":1063.5701,"end":1063.73,"confidence":0.9989208,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.15118730068206787},{"word":"i","start":1063.73,"end":1063.89,"confidence":0.96501374,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05502897500991821},{"word":"just","start":1063.89,"end":1064.13,"confidence":0.9973398,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.04333012551069259},{"word":"had","start":1064.13,"end":1064.29,"confidence":0.9549715,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.05558696389198303},{"word":"to","start":1064.29,"end":1064.4501,"confidence":0.997767,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.031521961092948914},{"word":"ask","start":1064.4501,"end":1064.61,"confidence":0.9986975,"punctuated_word":"ask","sentiment":"neutral","sentiment_score":0.027839072048664093},{"word":"the","start":1064.61,"end":1064.6901,"confidence":0.9301393,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.012620892375707626},{"word":"question","start":1064.6901,"end":1065.09,"confidence":0.96988726,"punctuated_word":"question","sentiment":"neutral","sentiment_score":0.03599787876009941},{"word":"then","start":1065.09,"end":1065.25,"confidence":0.7428299,"punctuated_word":"then.","sentiment":"neutral","sentiment_score":0.02361411601305008},{"word":"yep","start":1065.25,"end":1065.75,"confidence":0.8644382,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.028224466368556023},{"word":"so","start":1066.21,"end":1066.71,"confidence":0.9850485,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.015327632427215576},{"word":"i'll","start":1067.5701,"end":1067.81,"confidence":0.99107325,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.0016497671604156494},{"word":"leave","start":1067.81,"end":1068.21,"confidence":0.9985965,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.022367067635059357},{"word":"that","start":1068.21,"end":1068.53,"confidence":0.99964046,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0447734072804451},{"word":"out","start":1068.53,"end":1068.93,"confidence":0.93146,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.006299350410699844},{"word":"and","start":1068.93,"end":1069.17,"confidence":0.99322367,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03007890284061432},{"word":"we'll","start":1069.17,"end":1069.41,"confidence":0.9992479,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.03682861849665642},{"word":"just","start":1069.41,"end":1069.5701,"confidence":0.9993954,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.024380501359701157},{"word":"do","start":1069.5701,"end":1069.81,"confidence":0.99944526,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.020644985139369965},{"word":"the","start":1069.81,"end":1069.97,"confidence":0.9859849,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010009702295064926},{"word":"pension","start":1069.97,"end":1070.47,"confidence":0.71895504,"punctuated_word":"pension.","sentiment":"neutral","sentiment_score":0.008407903835177422},{"word":"pension","start":1075.285,"end":1075.685,"confidence":0.47686413,"punctuated_word":"Pension.","sentiment":"neutral","sentiment_score":-0.04021424055099487},{"word":"haven't","start":1075.685,"end":1076.005,"confidence":0.97473115,"punctuated_word":"Haven't","sentiment":"neutral","sentiment_score":-0.105726420879364},{"word":"changed","start":1076.005,"end":1076.485,"confidence":0.9975847,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.1234717294573784},{"word":"address","start":1076.485,"end":1076.985,"confidence":0.8705417,"punctuated_word":"address.","sentiment":"neutral","sentiment_score":-0.1572558730840683},{"word":"haven't","start":1077.525,"end":1077.8451,"confidence":0.99661195,"punctuated_word":"Haven't","sentiment":"neutral","sentiment_score":-0.11636709421873093},{"word":"changed","start":1077.8451,"end":1078.3251,"confidence":0.99878436,"punctuated_word":"changed","sentiment":"neutral","sentiment_score":-0.09503858536481856},{"word":"family","start":1078.3251,"end":1078.8251,"confidence":0.99902856,"punctuated_word":"family","sentiment":"neutral","sentiment_score":-0.1059277355670929},{"word":"status","start":1078.885,"end":1079.385,"confidence":0.9703766,"punctuated_word":"status.","sentiment":"neutral","sentiment_score":-0.11049602925777437},{"word":"and","start":1080.725,"end":1081.225,"confidence":0.8568965,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.06595505028963089},{"word":"the","start":1081.285,"end":1081.4451,"confidence":0.99841666,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05377088114619255},{"word":"last","start":1081.4451,"end":1081.685,"confidence":0.9999285,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.06234179064631462},{"word":"thing","start":1081.685,"end":1082.005,"confidence":0.99982834,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":-0.05326438322663307},{"word":"was","start":1082.005,"end":1082.405,"confidence":0.999273,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.06799520552158356},{"word":"in","start":1082.405,"end":1082.5651,"confidence":0.57756066,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.032311540096998215},{"word":"terms","start":1082.5651,"end":1082.885,"confidence":0.9999316,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.02012760564684868},{"word":"of","start":1082.885,"end":1083.045,"confidence":0.9009773,"punctuated_word":"of,","sentiment":"neutral","sentiment_score":-0.04399613291025162},{"word":"like","start":1083.045,"end":1083.2051,"confidence":0.9967139,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.04292894899845123},{"word":"a","start":1083.2051,"end":1083.365,"confidence":0.99499583,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03517007455229759},{"word":"will","start":1083.365,"end":1083.865,"confidence":0.86971474,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":-0.05053165555000305},{"word":"you","start":1084.22,"end":1084.46,"confidence":0.99209386,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01678987592458725},{"word":"did","start":1084.46,"end":1084.62,"confidence":0.99093455,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.014166899025440216},{"word":"have","start":1084.62,"end":1084.78,"confidence":0.9996296,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03320460021495819},{"word":"a","start":1084.78,"end":1084.86,"confidence":0.9974571,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.04073357954621315},{"word":"will","start":1084.86,"end":1085.18,"confidence":0.9948548,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.03924773633480072},{"word":"in","start":1085.18,"end":1085.26,"confidence":0.9985226,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.033865638077259064},{"word":"place","start":1085.26,"end":1085.58,"confidence":0.6987712,"punctuated_word":"place,","sentiment":"neutral","sentiment_score":-0.036436110734939575},{"word":"so","start":1085.58,"end":1085.74,"confidence":0.77506566,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.02574227750301361},{"word":"i","start":1085.74,"end":1085.8201,"confidence":0.9974567,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0256541408598423},{"word":"think","start":1085.8201,"end":1085.98,"confidence":0.9999087,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.02878139540553093},{"word":"you","start":1085.98,"end":1086.14,"confidence":0.9872335,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.054459162056446075},{"word":"were","start":1086.14,"end":1086.38,"confidence":0.98618156,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.0643642321228981},{"word":"going","start":1086.38,"end":1086.7001,"confidence":0.99886715,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.047334618866443634},{"word":"to","start":1086.7001,"end":1086.78,"confidence":0.99896264,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05576145648956299},{"word":"update","start":1086.78,"end":1087.18,"confidence":0.9992612,"punctuated_word":"update","sentiment":"neutral","sentiment_score":-0.018771693110466003},{"word":"at","start":1087.18,"end":1087.34,"confidence":0.9713354,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10210740566253662},{"word":"some","start":1087.34,"end":1087.58,"confidence":0.9996032,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.08231057971715927},{"word":"point","start":1087.58,"end":1087.74,"confidence":0.9721495,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":-0.0804678350687027},{"word":"it","start":1087.74,"end":1087.9,"confidence":0.9766094,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.20793363451957703},{"word":"was","start":1087.9,"end":1088.06,"confidence":0.99293137,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.2321561872959137},{"word":"getting","start":1088.06,"end":1088.3,"confidence":0.99597746,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":-0.24061334133148193},{"word":"a","start":1088.3,"end":1088.38,"confidence":0.99820447,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.21908122301101685},{"word":"little","start":1088.38,"end":1088.62,"confidence":0.99975926,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.24453558027744293},{"word":"bit","start":1088.62,"end":1088.78,"confidence":0.9983511,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.24989236891269684},{"word":"old","start":1088.78,"end":1089.18,"confidence":0.99325705,"punctuated_word":"old.","sentiment":"neutral","sentiment_score":-0.2575259804725647},{"word":"did","start":1089.18,"end":1089.42,"confidence":0.9187348,"punctuated_word":"Did","sentiment":"neutral","sentiment_score":-0.0698428526520729},{"word":"you","start":1089.42,"end":1089.5,"confidence":0.9979572,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.08100351691246033},{"word":"end","start":1089.5,"end":1089.74,"confidence":0.65518886,"punctuated_word":"end","sentiment":"neutral","sentiment_score":-0.07299895584583282},{"word":"up","start":1089.74,"end":1089.8201,"confidence":0.99970907,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.08519215136766434},{"word":"doing","start":1089.8201,"end":1090.06,"confidence":0.99887604,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.07317470014095306},{"word":"that","start":1090.06,"end":1090.3,"confidence":0.8324405,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.06743840128183365},{"word":"or","start":1090.3,"end":1090.46,"confidence":0.9812137,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":-0.07497259974479675},{"word":"yep","start":1098.475,"end":1098.975,"confidence":0.7613455,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.029824843630194664},{"word":"and","start":1099.8351,"end":1100.235,"confidence":0.97594917,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.00004322826862335205},{"word":"when","start":1100.235,"end":1100.475,"confidence":0.99855644,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.005744606256484985},{"word":"it","start":1100.475,"end":1100.635,"confidence":0.9996879,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0010796710848808289},{"word":"comes","start":1100.635,"end":1100.795,"confidence":0.99967563,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.000544428825378418},{"word":"to","start":1100.795,"end":1100.9551,"confidence":0.99963963,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00046749040484428406},{"word":"the","start":1100.9551,"end":1101.035,"confidence":0.9990976,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01279670000076294},{"word":"will","start":1101.035,"end":1101.515,"confidence":0.95964026,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":-0.008096333593130112},{"word":"i","start":1101.515,"end":1101.755,"confidence":0.9985978,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.006536643952131271},{"word":"i","start":1101.755,"end":1101.915,"confidence":0.95483136,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0004828497767448426},{"word":"know","start":1101.915,"end":1102.0751,"confidence":0.99901545,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.022925760596990585},{"word":"it","start":1102.0751,"end":1102.155,"confidence":0.9981238,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.025471575558185577},{"word":"might","start":1102.155,"end":1102.235,"confidence":0.9997873,"punctuated_word":"might","sentiment":"neutral","sentiment_score":-0.04818696156144142},{"word":"be","start":1102.235,"end":1102.395,"confidence":0.9991875,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.0397639125585556},{"word":"a","start":1102.395,"end":1102.475,"confidence":0.9993488,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.052525509148836136},{"word":"bit","start":1102.475,"end":1102.635,"confidence":0.99930763,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.057302579283714294},{"word":"hard","start":1102.635,"end":1102.9551,"confidence":0.999534,"punctuated_word":"hard","sentiment":"neutral","sentiment_score":-0.09301452338695526},{"word":"to","start":1102.9551,"end":1103.035,"confidence":0.999335,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07584311813116074},{"word":"think","start":1103.035,"end":1103.355,"confidence":0.9766986,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.06441762298345566},{"word":"back","start":1103.355,"end":1103.515,"confidence":0.995336,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.06500817835330963},{"word":"several","start":1103.515,"end":1103.915,"confidence":0.23720348,"punctuated_word":"several","sentiment":"neutral","sentiment_score":-0.07260280847549438},{"word":"years","start":1103.915,"end":1104.235,"confidence":0.8919506,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":-0.045107536017894745},{"word":"but","start":1104.235,"end":1104.555,"confidence":0.999446,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.03640558943152428},{"word":"do","start":1104.555,"end":1104.7151,"confidence":0.99477416,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.02697082981467247},{"word":"you","start":1104.7151,"end":1104.795,"confidence":0.9977189,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.01869753375649452},{"word":"know","start":1104.795,"end":1105.035,"confidence":0.9992574,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.021400906145572662},{"word":"if","start":1105.035,"end":1105.115,"confidence":0.99851257,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.01840800791978836},{"word":"you","start":1105.115,"end":1105.275,"confidence":0.9966612,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02365303412079811},{"word":"have","start":1105.275,"end":1105.435,"confidence":0.9420158,"punctuated_word":"have,","sentiment":"neutral","sentiment_score":-0.026609253138303757},{"word":"like","start":1105.435,"end":1105.675,"confidence":0.9984871,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.020016100257635117},{"word":"a","start":1105.675,"end":1105.8351,"confidence":0.7864138,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.020215066149830815},{"word":"power","start":1105.8351,"end":1106.0751,"confidence":0.98943603,"punctuated_word":"power","sentiment":"neutral","sentiment_score":-0.001348435878753662},{"word":"of","start":1106.0751,"end":1106.3151,"confidence":0.99544626,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.007526591420173645},{"word":"attorney","start":1106.3151,"end":1106.795,"confidence":0.9990403,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":-0.029132887721061707},{"word":"put","start":1106.795,"end":1106.9551,"confidence":0.98981947,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.000971660017967224},{"word":"in","start":1106.9551,"end":1107.115,"confidence":0.9992975,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.002774268388748169},{"word":"place","start":1107.115,"end":1107.355,"confidence":0.9993938,"punctuated_word":"place","sentiment":"neutral","sentiment_score":0.00297468900680542},{"word":"if","start":1107.355,"end":1107.515,"confidence":0.692579,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0038128308951854706},{"word":"you","start":1107.515,"end":1107.595,"confidence":0.99953604,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.017758719623088837},{"word":"remember","start":1107.595,"end":1107.995,"confidence":0.99894935,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":-0.01753002032637596},{"word":"what","start":1107.995,"end":1108.155,"confidence":0.9995022,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.011219147592782974},{"word":"that","start":1108.155,"end":1108.395,"confidence":0.9994373,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.010050956159830092},{"word":"does","start":1108.395,"end":1108.83,"confidence":0.9913001,"punctuated_word":"does?","sentiment":"neutral","sentiment_score":-0.03219502419233322},{"word":"yeah","start":1114.99,"end":1115.39,"confidence":0.74025315,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.010874364525079727},{"word":"and","start":1115.39,"end":1115.89,"confidence":0.79558885,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.027451343834400177},{"word":"it's","start":1116.6699,"end":1116.9099,"confidence":0.9850072,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.05923530459403992},{"word":"just","start":1116.9099,"end":1117.1499,"confidence":0.9997527,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07172276824712753},{"word":"one","start":1117.1499,"end":1117.3099,"confidence":0.99982125,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.08173723518848419},{"word":"of","start":1117.3099,"end":1117.47,"confidence":0.99982435,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1153288409113884},{"word":"those","start":1117.47,"end":1117.97,"confidence":0.99950325,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.17307811975479126},{"word":"things","start":1118.0299,"end":1118.35,"confidence":0.9991055,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.12578488886356354},{"word":"that","start":1118.35,"end":1118.59,"confidence":0.9997099,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13637147843837738},{"word":"allows","start":1118.59,"end":1119.09,"confidence":0.9393029,"punctuated_word":"allows,","sentiment":"neutral","sentiment_score":0.08899939060211182},{"word":"like","start":1119.47,"end":1119.7899,"confidence":0.9967207,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.1085173562169075},{"word":"why","start":1119.7899,"end":1119.95,"confidence":0.9552714,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.05304438620805741},{"word":"you're","start":1119.95,"end":1120.19,"confidence":0.7904761,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.02814994752407074},{"word":"still","start":1120.19,"end":1120.51,"confidence":0.93242955,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.04222209006547928},{"word":"alive","start":1120.51,"end":1120.75,"confidence":0.8986444,"punctuated_word":"alive.","sentiment":"neutral","sentiment_score":-0.0016890913248062134},{"word":"like","start":1120.75,"end":1120.9099,"confidence":0.7560004,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.035482823848724365},{"word":"let's","start":1120.9099,"end":1121.1499,"confidence":0.9983773,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.000904421031009406},{"word":"say","start":1121.1499,"end":1121.3099,"confidence":0.998934,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.014910493046045303},{"word":"you're","start":1121.3099,"end":1121.47,"confidence":0.91803133,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":-0.023856384679675106},{"word":"in","start":1121.47,"end":1121.63,"confidence":0.9925176,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.08969344198703766},{"word":"a","start":1121.63,"end":1121.7899,"confidence":0.9961516,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05430477485060692},{"word":"coma","start":1121.7899,"end":1122.2899,"confidence":0.85507286,"punctuated_word":"coma.","sentiment":"neutral","sentiment_score":-0.02827738970518112},{"word":"someone","start":1123.105,"end":1123.605,"confidence":0.99637306,"punctuated_word":"Someone","sentiment":"neutral","sentiment_score":0.028368204832077023},{"word":"can","start":1123.6649,"end":1124.145,"confidence":0.9998159,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.07163520902395248},{"word":"talk","start":1124.145,"end":1124.385,"confidence":0.99869555,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":0.06743624061346054},{"word":"to","start":1124.385,"end":1124.5449,"confidence":0.9995241,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10005106031894684},{"word":"the","start":1124.5449,"end":1124.7849,"confidence":0.99917066,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08496876806020737},{"word":"doctors","start":1124.7849,"end":1125.105,"confidence":0.9980355,"punctuated_word":"doctors","sentiment":"neutral","sentiment_score":0.06636229902505875},{"word":"on","start":1125.105,"end":1125.265,"confidence":0.9982836,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.16105711460113523},{"word":"your","start":1125.265,"end":1125.585,"confidence":0.9990115,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1580600142478943},{"word":"behalf","start":1125.585,"end":1125.985,"confidence":0.99949074,"punctuated_word":"behalf","sentiment":"neutral","sentiment_score":0.15759553015232086},{"word":"and","start":1125.985,"end":1126.145,"confidence":0.92440116,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.07950664311647415},{"word":"also","start":1126.145,"end":1126.645,"confidence":0.9400998,"punctuated_word":"also,","sentiment":"neutral","sentiment_score":0.09830917418003082},{"word":"like","start":1127.025,"end":1127.265,"confidence":0.9865693,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.02394617162644863},{"word":"manage","start":1127.265,"end":1127.6649,"confidence":0.98735356,"punctuated_word":"manage","sentiment":"neutral","sentiment_score":0.04132922738790512},{"word":"bank","start":1127.6649,"end":1127.9049,"confidence":0.998206,"punctuated_word":"bank","sentiment":"neutral","sentiment_score":0.0696229338645935},{"word":"accounts","start":1127.9049,"end":1128.4049,"confidence":0.9847408,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":0.04389609396457672},{"word":"make","start":1128.465,"end":1128.705,"confidence":0.9904214,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.05901167169213295},{"word":"sure","start":1128.705,"end":1128.945,"confidence":0.99792624,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.05334457755088806},{"word":"bills","start":1128.945,"end":1129.1849,"confidence":0.99675107,"punctuated_word":"bills","sentiment":"neutral","sentiment_score":0.05204461142420769},{"word":"are","start":1129.1849,"end":1129.345,"confidence":0.9805259,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.0457344576716423},{"word":"paid","start":1129.345,"end":1129.6649,"confidence":0.98045754,"punctuated_word":"paid,","sentiment":"neutral","sentiment_score":0.06015437841415405},{"word":"things","start":1129.6649,"end":1129.985,"confidence":0.9985481,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.06815963983535767},{"word":"like","start":1129.985,"end":1130.225,"confidence":0.99933904,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.0603000745177269},{"word":"that","start":1130.225,"end":1130.705,"confidence":0.9989881,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.08373371511697769},{"word":"without","start":1130.705,"end":1131.105,"confidence":0.7058455,"punctuated_word":"without","sentiment":"neutral","sentiment_score":0.032372571527957916},{"word":"having","start":1131.105,"end":1131.345,"confidence":0.9997992,"punctuated_word":"having","sentiment":"neutral","sentiment_score":0.014362305402755736},{"word":"to","start":1131.345,"end":1131.505,"confidence":0.99945956,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.016260366886854172},{"word":"go","start":1131.505,"end":1131.6649,"confidence":0.99971324,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.045691292732954025},{"word":"to","start":1131.6649,"end":1131.825,"confidence":0.9932515,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.056536998599767685},{"word":"court","start":1131.825,"end":1132.145,"confidence":0.9989171,"punctuated_word":"court","sentiment":"neutral","sentiment_score":-0.08052308857440948},{"word":"to","start":1132.145,"end":1132.3049,"confidence":0.96531117,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06947379559278488},{"word":"sue","start":1132.3049,"end":1132.5449,"confidence":0.69823647,"punctuated_word":"sue","sentiment":"neutral","sentiment_score":-0.04104351997375488},{"word":"for","start":1132.5449,"end":1132.7849,"confidence":0.96371895,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.04968346282839775},{"word":"probate","start":1132.7849,"end":1133.2849,"confidence":0.9918103,"punctuated_word":"probate.","sentiment":"neutral","sentiment_score":-0.01163634192198515},{"word":"so","start":1133.9049,"end":1134.385,"confidence":0.9962782,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.014374542981386185},{"word":"if","start":1134.385,"end":1134.625,"confidence":0.9962529,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.019510652869939804},{"word":"you","start":1134.625,"end":1134.7849,"confidence":0.9998971,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.011769238859415054},{"word":"think","start":1134.7849,"end":1135.105,"confidence":0.9998305,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.02905413508415222},{"word":"that","start":1135.105,"end":1135.265,"confidence":0.9994011,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07995940744876862},{"word":"would","start":1135.265,"end":1135.505,"confidence":0.99969053,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.06924775242805481},{"word":"be","start":1135.505,"end":1136.005,"confidence":0.99896634,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.06871625036001205},{"word":"valuable","start":1136.4,"end":1136.64,"confidence":0.9997117,"punctuated_word":"valuable","sentiment":"neutral","sentiment_score":0.03735247254371643},{"word":"to","start":1136.64,"end":1136.88,"confidence":0.9854505,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04766629636287689},{"word":"have","start":1136.88,"end":1137.12,"confidence":0.99964285,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.059871308505535126},{"word":"someone","start":1137.12,"end":1137.4401,"confidence":0.99952424,"punctuated_word":"someone","sentiment":"neutral","sentiment_score":0.04270937293767929},{"word":"trusted","start":1137.4401,"end":1137.8401,"confidence":0.98198044,"punctuated_word":"trusted","sentiment":"neutral","sentiment_score":0.05308082699775696},{"word":"there","start":1137.8401,"end":1138.0,"confidence":0.9651191,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.031619228422641754},{"word":"to","start":1138.0,"end":1138.16,"confidence":0.876962,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.027850598096847538},{"word":"look","start":1138.16,"end":1138.4,"confidence":0.9869436,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.013474825769662855},{"word":"after","start":1138.4,"end":1138.7201,"confidence":0.99774015,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.013077110052108765},{"word":"things","start":1138.7201,"end":1138.9601,"confidence":0.99454767,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.017168350517749786},{"word":"if","start":1138.9601,"end":1139.12,"confidence":0.8120593,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.011612309142947195},{"word":"you","start":1139.12,"end":1139.36,"confidence":0.99655366,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.022779617458581924},{"word":"were","start":1139.36,"end":1139.6,"confidence":0.7569941,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.007669273763895035},{"word":"incapacitated","start":1139.6,"end":1140.1,"confidence":0.87775785,"punctuated_word":"incapacitated.","sentiment":"neutral","sentiment_score":-0.19112129509449005},{"word":"yep","start":1142.8,"end":1143.2001,"confidence":0.7446579,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05986138805747032},{"word":"so","start":1143.2001,"end":1143.6,"confidence":0.9975793,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02535983175039291},{"word":"i","start":1143.6,"end":1143.76,"confidence":0.9879227,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.033177029341459274},{"word":"would","start":1143.76,"end":1143.92,"confidence":0.9826664,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.030735764652490616},{"word":"just","start":1143.92,"end":1144.0801,"confidence":0.99956995,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02905414253473282},{"word":"kind","start":1144.0801,"end":1144.24,"confidence":0.60370225,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.01674482598900795},{"word":"of","start":1144.24,"end":1144.3201,"confidence":0.9948783,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.01581190899014473},{"word":"suggest","start":1144.3201,"end":1144.64,"confidence":0.9981346,"punctuated_word":"suggest","sentiment":"neutral","sentiment_score":-0.005558494478464127},{"word":"if","start":1144.64,"end":1144.8,"confidence":0.86666965,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.01189352571964264},{"word":"you're","start":1144.8,"end":1144.88,"confidence":0.77573854,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.005836011376231909},{"word":"gonna","start":1144.88,"end":1145.12,"confidence":0.8827746,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.02312060073018074},{"word":"update","start":1145.12,"end":1145.4401,"confidence":0.9978542,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.017477836459875107},{"word":"the","start":1145.4401,"end":1145.52,"confidence":0.95502996,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01457500085234642},{"word":"will","start":1145.52,"end":1145.8401,"confidence":0.8778006,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":0.026181068271398544},{"word":"maybe","start":1145.8401,"end":1146.16,"confidence":0.9969416,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.02531769499182701},{"word":"see","start":1146.16,"end":1146.3201,"confidence":0.9522037,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.01916072517633438},{"word":"if","start":1146.3201,"end":1146.4,"confidence":0.99662006,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.02198375947773457},{"word":"you","start":1146.4,"end":1146.48,"confidence":0.98178196,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.016215462237596512},{"word":"can","start":1146.48,"end":1146.8,"confidence":0.98688847,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.013937175273895264},{"word":"get","start":1146.8,"end":1146.9601,"confidence":0.9983058,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.01709158718585968},{"word":"one","start":1146.9601,"end":1147.04,"confidence":0.9996093,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.006365083158016205},{"word":"of","start":1147.04,"end":1147.2001,"confidence":0.99970275,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.014146428555250168},{"word":"those","start":1147.2001,"end":1147.52,"confidence":0.9997762,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.014257077127695084},{"word":"added","start":1147.52,"end":1147.8401,"confidence":0.99554104,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.01498834416270256},{"word":"on","start":1147.8401,"end":1148.3201,"confidence":0.9330353,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.00787876732647419},{"word":"and","start":1148.3201,"end":1148.56,"confidence":0.9977562,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.013012396171689034},{"word":"look","start":1148.56,"end":1148.88,"confidence":0.70293,"punctuated_word":"look,","sentiment":"neutral","sentiment_score":0.00945705734193325},{"word":"worst","start":1148.88,"end":1149.2001,"confidence":0.97436124,"punctuated_word":"worst","sentiment":"neutral","sentiment_score":-0.024599824100732803},{"word":"case","start":1149.2001,"end":1149.52,"confidence":0.9983393,"punctuated_word":"case","sentiment":"neutral","sentiment_score":-0.0013398155570030212},{"word":"scenario","start":1149.52,"end":1150.02,"confidence":0.97199935,"punctuated_word":"scenario,","sentiment":"neutral","sentiment_score":-0.0010631922632455826},{"word":"you","start":1150.695,"end":1150.855,"confidence":0.99952173,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.002653062343597412},{"word":"can","start":1150.855,"end":1150.9349,"confidence":0.9998952,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.018709998577833176},{"word":"get","start":1150.9349,"end":1151.255,"confidence":0.99965143,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.011551093310117722},{"word":"one","start":1151.255,"end":1151.4149,"confidence":0.99984145,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.014496039599180222},{"word":"of","start":1151.4149,"end":1151.575,"confidence":0.9997166,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.012057390064001083},{"word":"those","start":1151.575,"end":1151.8949,"confidence":0.999736,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.034322213381528854},{"word":"power","start":1151.8949,"end":1152.215,"confidence":0.97714716,"punctuated_word":"power","sentiment":"neutral","sentiment_score":0.029809292405843735},{"word":"of","start":1152.215,"end":1152.2949,"confidence":0.99550325,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.004445075988769531},{"word":"attorney","start":1152.2949,"end":1152.615,"confidence":0.99921775,"punctuated_word":"attorney","sentiment":"neutral","sentiment_score":-0.002359870821237564},{"word":"kits","start":1152.615,"end":1152.855,"confidence":0.9880663,"punctuated_word":"kits","sentiment":"neutral","sentiment_score":0.02259143441915512},{"word":"from","start":1152.855,"end":1153.095,"confidence":0.9992059,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.02825528010725975},{"word":"the","start":1153.095,"end":1153.1749,"confidence":0.9986451,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.027941789478063583},{"word":"post","start":1153.1749,"end":1153.495,"confidence":0.9898533,"punctuated_word":"post","sentiment":"neutral","sentiment_score":0.03329016640782356},{"word":"office","start":1153.495,"end":1153.735,"confidence":0.8416643,"punctuated_word":"office,","sentiment":"neutral","sentiment_score":0.0333147756755352},{"word":"from","start":1153.735,"end":1153.8949,"confidence":0.99759835,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.015023291110992432},{"word":"the","start":1153.8949,"end":1154.0549,"confidence":0.99757415,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.013746634125709534},{"word":"government","start":1154.0549,"end":1154.5349,"confidence":0.80374086,"punctuated_word":"government,","sentiment":"neutral","sentiment_score":0.023964162915945053},{"word":"like","start":1154.5349,"end":1154.695,"confidence":0.6186253,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.012243987992405891},{"word":"25","start":1154.695,"end":1155.755,"confidence":0.9419871,"punctuated_word":"25.","sentiment":"neutral","sentiment_score":0.01838693395256996},{"word":"or","start":1156.215,"end":1156.375,"confidence":0.9975756,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.04950752109289169},{"word":"if","start":1156.375,"end":1156.5349,"confidence":0.9949892,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.04891392961144447},{"word":"you","start":1156.5349,"end":1156.695,"confidence":0.99963963,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04687267541885376},{"word":"go","start":1156.695,"end":1156.9349,"confidence":0.99886924,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.04334697127342224},{"word":"to","start":1156.9349,"end":1157.095,"confidence":0.9437824,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.027980437502264977},{"word":"like","start":1157.095,"end":1157.4149,"confidence":0.995523,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.033872805535793304},{"word":"your","start":1157.4149,"end":1157.6549,"confidence":0.9746875,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.03412289544939995},{"word":"lawyer","start":1157.6549,"end":1158.135,"confidence":0.6946393,"punctuated_word":"lawyer,","sentiment":"neutral","sentiment_score":0.028583496809005737},{"word":"take","start":1158.135,"end":1158.375,"confidence":0.7926585,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.04264485090970993},{"word":"the","start":1158.375,"end":1158.5349,"confidence":0.89599335,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.045864373445510864},{"word":"will","start":1158.5349,"end":1159.015,"confidence":0.84560776,"punctuated_word":"will,","sentiment":"neutral","sentiment_score":0.04482851177453995},{"word":"there's","start":1159.015,"end":1159.255,"confidence":0.9806255,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.06306818127632141},{"word":"heaps","start":1159.255,"end":1159.575,"confidence":0.98656344,"punctuated_word":"heaps","sentiment":"neutral","sentiment_score":0.0685744434595108},{"word":"of","start":1159.575,"end":1159.735,"confidence":0.9939175,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03715168684720993},{"word":"different","start":1159.735,"end":1159.975,"confidence":0.99957556,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.01569848135113716},{"word":"options","start":1159.975,"end":1160.455,"confidence":0.9994099,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.017501812428236008},{"word":"there","start":1160.455,"end":1160.955,"confidence":0.9912838,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.03533308207988739},{"word":"cool","start":1163.9099,"end":1164.4099,"confidence":0.88913083,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.35636287927627563},{"word":"so","start":1164.87,"end":1165.0299,"confidence":0.92985535,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.27650967240333557},{"word":"that's","start":1165.0299,"end":1165.5299,"confidence":0.9983839,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.3318977952003479},{"word":"pretty","start":1165.59,"end":1165.9099,"confidence":0.999511,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.30670154094696045},{"word":"much","start":1165.9099,"end":1166.1499,"confidence":0.99983346,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.3621538579463959},{"word":"it","start":1166.1499,"end":1166.3099,"confidence":0.99359035,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3030416965484619},{"word":"for","start":1166.3099,"end":1166.5499,"confidence":0.97398746,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3655480742454529},{"word":"most","start":1166.5499,"end":1166.87,"confidence":0.9950104,"punctuated_word":"most","sentiment":"positive","sentiment_score":0.45894983410835266},{"word":"of","start":1166.87,"end":1167.0299,"confidence":0.99956053,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4902071952819824},{"word":"that","start":1167.0299,"end":1167.5299,"confidence":0.9986755,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.3940702080726623},{"word":"any","start":1168.1499,"end":1168.3899,"confidence":0.9771846,"punctuated_word":"Any","sentiment":"neutral","sentiment_score":0.2188100814819336},{"word":"questions","start":1168.3899,"end":1168.7899,"confidence":0.99524313,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.20213912427425385},{"word":"so","start":1168.7899,"end":1168.95,"confidence":0.996669,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.15666739642620087},{"word":"far","start":1168.95,"end":1169.11,"confidence":0.88556373,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.1690567433834076},{"word":"and","start":1169.11,"end":1169.35,"confidence":0.8830163,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.10012513399124146},{"word":"i've","start":1169.35,"end":1169.51,"confidence":0.90114367,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.06171831488609314},{"word":"kind","start":1169.51,"end":1169.6699,"confidence":0.9404086,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.045112933963537216},{"word":"of","start":1169.6699,"end":1169.83,"confidence":0.99935395,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04340928792953491},{"word":"bombarded","start":1169.83,"end":1170.3099,"confidence":0.99446523,"punctuated_word":"bombarded","sentiment":"neutral","sentiment_score":0.02226901054382324},{"word":"you","start":1170.3099,"end":1170.47,"confidence":0.99721175,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04200523719191551},{"word":"with","start":1170.47,"end":1170.63,"confidence":0.988494,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04069925472140312},{"word":"a","start":1170.63,"end":1170.71,"confidence":0.9909764,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.028889749199151993},{"word":"bit","start":1170.71,"end":1170.87,"confidence":0.99853384,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.017232142388820648},{"word":"of","start":1170.87,"end":1171.0299,"confidence":0.9983748,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.035644806921482086},{"word":"technical","start":1171.0299,"end":1171.51,"confidence":0.9832372,"punctuated_word":"technical","sentiment":"neutral","sentiment_score":0.04150015115737915},{"word":"info","start":1171.51,"end":1171.83,"confidence":0.97318786,"punctuated_word":"info","sentiment":"neutral","sentiment_score":0.01772097684442997},{"word":"today","start":1171.83,"end":1172.33,"confidence":0.8755719,"punctuated_word":"today.","sentiment":"neutral","sentiment_score":-0.020952101796865463},{"word":"mhmm","start":1175.19,"end":1175.69,"confidence":0.91745615,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.025717591866850853},{"word":"okay","start":1179.555,"end":1180.055,"confidence":0.92583406,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.12150894850492476},{"word":"goals","start":1182.035,"end":1182.435,"confidence":0.8220184,"punctuated_word":"Goals","sentiment":"neutral","sentiment_score":0.052146829664707184},{"word":"wise","start":1182.435,"end":1182.755,"confidence":0.9894022,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.06400357931852341},{"word":"i","start":1182.755,"end":1182.915,"confidence":0.99975604,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04856227338314056},{"word":"think","start":1182.915,"end":1183.155,"confidence":0.99994564,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.05491407960653305},{"word":"you","start":1183.155,"end":1183.395,"confidence":0.99605715,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.026951901614665985},{"word":"were","start":1183.395,"end":1183.635,"confidence":0.99082816,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.005801815539598465},{"word":"looking","start":1183.635,"end":1184.035,"confidence":0.999676,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.035134781152009964},{"word":"to","start":1184.035,"end":1184.275,"confidence":0.9943205,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.045702364295721054},{"word":"go","start":1184.275,"end":1184.435,"confidence":0.99025667,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.050620466470718384},{"word":"on","start":1184.435,"end":1184.515,"confidence":0.72598416,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.060563039034605026},{"word":"a","start":1184.515,"end":1184.675,"confidence":0.9928872,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.033105604350566864},{"word":"bit","start":1184.675,"end":1184.835,"confidence":0.9994392,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.024121735244989395},{"word":"of","start":1184.835,"end":1184.915,"confidence":0.999361,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04930669814348221},{"word":"a","start":1184.915,"end":1184.995,"confidence":0.98154354,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03862100839614868},{"word":"cruise","start":1184.995,"end":1185.395,"confidence":0.994639,"punctuated_word":"cruise","sentiment":"neutral","sentiment_score":0.05250196531414986},{"word":"at","start":1185.395,"end":1185.475,"confidence":0.99608827,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.011757835745811462},{"word":"some","start":1185.475,"end":1185.715,"confidence":0.9995096,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.0053837597370147705},{"word":"point","start":1185.715,"end":1185.955,"confidence":0.9837625,"punctuated_word":"point.","sentiment":"neutral","sentiment_score":0.012955155223608015},{"word":"i","start":1185.955,"end":1186.115,"confidence":0.9890703,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.030008068308234215},{"word":"don't","start":1186.115,"end":1186.275,"confidence":0.99692935,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.022181876003742215},{"word":"know","start":1186.275,"end":1186.435,"confidence":0.9993861,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.02576324343681335},{"word":"if","start":1186.435,"end":1186.515,"confidence":0.99526596,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.017066437751054764},{"word":"that","start":1186.515,"end":1186.755,"confidence":0.9984522,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.005241729319095612},{"word":"was","start":1186.755,"end":1186.995,"confidence":0.9992735,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.018422571942210197},{"word":"quite","start":1186.995,"end":1187.235,"confidence":0.9993679,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.04581833630800247},{"word":"an","start":1187.235,"end":1187.395,"confidence":0.9942069,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.06583908200263977},{"word":"old","start":1187.395,"end":1187.635,"confidence":0.9974752,"punctuated_word":"old","sentiment":"neutral","sentiment_score":-0.09142759442329408},{"word":"goal","start":1187.635,"end":1187.955,"confidence":0.720217,"punctuated_word":"goal.","sentiment":"neutral","sentiment_score":-0.07483424991369247},{"word":"is","start":1187.955,"end":1188.035,"confidence":0.941608,"punctuated_word":"Is","sentiment":"neutral","sentiment_score":-0.05088244751095772},{"word":"that","start":1188.035,"end":1188.275,"confidence":0.99459076,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.028536491096019745},{"word":"still","start":1188.275,"end":1188.515,"confidence":0.98543394,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.06235576421022415},{"word":"current","start":1188.515,"end":1189.015,"confidence":0.94014364,"punctuated_word":"current?","sentiment":"neutral","sentiment_score":-0.05986081063747406},{"word":"yep","start":1197.34,"end":1197.84,"confidence":0.9283122,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04384877532720566},{"word":"done","start":1197.8999,"end":1198.3999,"confidence":0.5887417,"punctuated_word":"Done.","sentiment":"neutral","sentiment_score":0.0435786210000515},{"word":"and","start":1199.58,"end":1199.74,"confidence":0.88842833,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.027091894298791885},{"word":"the","start":1199.74,"end":1199.8999,"confidence":0.99681276,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02162344753742218},{"word":"last","start":1199.8999,"end":1200.14,"confidence":0.99995077,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.008806537836790085},{"word":"thing","start":1200.14,"end":1200.46,"confidence":0.99975306,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.01052727922797203},{"word":"there","start":1200.46,"end":1200.7,"confidence":0.9955525,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.0035147294402122498},{"word":"is","start":1200.7,"end":1201.1799,"confidence":0.9988519,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.00989263877272606},{"word":"when","start":1201.1799,"end":1201.34,"confidence":0.89520615,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.0002158433198928833},{"word":"it","start":1201.34,"end":1201.5,"confidence":0.9998091,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.007538072764873505},{"word":"comes","start":1201.5,"end":1201.8999,"confidence":0.9993356,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.002497602254152298},{"word":"to","start":1201.8999,"end":1202.3999,"confidence":0.9879843,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0004452802240848541},{"word":"your","start":1202.86,"end":1203.1799,"confidence":0.9994454,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.002691473811864853},{"word":"term","start":1203.1799,"end":1203.4199,"confidence":0.99112767,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.013680722564458849},{"word":"deposit","start":1203.4199,"end":1203.9199,"confidence":0.9996012,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":-0.00806378573179245},{"word":"maturing","start":1203.98,"end":1204.48,"confidence":0.9904075,"punctuated_word":"maturing,","sentiment":"neutral","sentiment_score":0.003976999782025814},{"word":"do","start":1204.7,"end":1204.845,"confidence":0.66535217,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.02604100853204727},{"word":"you","start":1205.005,"end":1205.085,"confidence":0.9998566,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.017131883651018143},{"word":"want","start":1205.085,"end":1205.245,"confidence":0.99981636,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.023872267454862595},{"word":"me","start":1205.245,"end":1205.325,"confidence":0.9994721,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.009299080818891524},{"word":"to","start":1205.325,"end":1205.485,"confidence":0.9994332,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.007590007036924362},{"word":"factor","start":1205.485,"end":1205.965,"confidence":0.9970751,"punctuated_word":"factor","sentiment":"neutral","sentiment_score":0.008769374340772629},{"word":"any","start":1205.965,"end":1206.205,"confidence":0.9975172,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.009446021169424055},{"word":"of","start":1206.205,"end":1206.365,"confidence":0.99980813,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.013526547700166702},{"word":"those","start":1206.365,"end":1206.6849,"confidence":0.9997707,"punctuated_word":"those","sentiment":"neutral","sentiment_score":-0.012917567044496536},{"word":"funds","start":1206.6849,"end":1207.1649,"confidence":0.9942162,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.005232088267803192},{"word":"in","start":1207.1649,"end":1207.565,"confidence":0.642551,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.003269486129283905},{"word":"to","start":1207.565,"end":1207.725,"confidence":0.9960031,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.017968621104955673},{"word":"this","start":1207.725,"end":1208.0449,"confidence":0.99876237,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.016696076840162277},{"word":"contribution","start":1208.0449,"end":1208.5449,"confidence":0.99921536,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.04208441078662872},{"word":"plan","start":1208.6849,"end":1208.9249,"confidence":0.9964276,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.009555436670780182},{"word":"with","start":1208.9249,"end":1209.1649,"confidence":0.9988619,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.011850323528051376},{"word":"the","start":1209.1649,"end":1209.325,"confidence":0.9663359,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.003928679972887039},{"word":"super","start":1209.325,"end":1209.725,"confidence":0.7632066,"punctuated_word":"super,","sentiment":"neutral","sentiment_score":0.014950279146432877},{"word":"or","start":1209.725,"end":1209.885,"confidence":0.99952614,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.032619308680295944},{"word":"would","start":1209.885,"end":1210.0449,"confidence":0.995577,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.024555997923016548},{"word":"you","start":1210.0449,"end":1210.125,"confidence":0.9980197,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.02261180803179741},{"word":"prefer","start":1210.125,"end":1210.445,"confidence":0.9992748,"punctuated_word":"prefer","sentiment":"neutral","sentiment_score":-0.03575544059276581},{"word":"to","start":1210.445,"end":1210.605,"confidence":0.93369395,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.033575110137462616},{"word":"kind","start":1210.605,"end":1210.845,"confidence":0.90972,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.04444725811481476},{"word":"of","start":1210.845,"end":1211.005,"confidence":0.9976158,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03571580722928047},{"word":"still","start":1211.005,"end":1211.245,"confidence":0.9854854,"punctuated_word":"still","sentiment":"neutral","sentiment_score":-0.0714392215013504},{"word":"keep","start":1211.245,"end":1211.405,"confidence":0.99703026,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.04549199715256691},{"word":"them","start":1211.405,"end":1211.645,"confidence":0.8816088,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.029868844896554947},{"word":"separate","start":1211.645,"end":1212.145,"confidence":0.9968971,"punctuated_word":"separate?","sentiment":"neutral","sentiment_score":-0.0449201799929142},{"word":"yeah","start":1215.645,"end":1215.965,"confidence":0.8480941,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07773391902446747},{"word":"and","start":1215.965,"end":1216.0449,"confidence":0.74525195,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.07459572702646255},{"word":"just","start":1216.0449,"end":1216.2849,"confidence":0.9985556,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06462682038545609},{"word":"roll","start":1216.2849,"end":1216.445,"confidence":0.8137488,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.107771635055542},{"word":"it","start":1216.445,"end":1216.605,"confidence":0.9797482,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0862351730465889},{"word":"on","start":1216.605,"end":1216.765,"confidence":0.99847645,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06941390037536621},{"word":"for","start":1216.765,"end":1216.9249,"confidence":0.99934477,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0762915164232254},{"word":"the","start":1216.9249,"end":1217.005,"confidence":0.999482,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0817575752735138},{"word":"next","start":1217.005,"end":1217.245,"confidence":0.99987555,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.07530798017978668},{"word":"year","start":1217.245,"end":1217.405,"confidence":0.97284746,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.06729772686958313},{"word":"i","start":1217.405,"end":1217.485,"confidence":0.99972314,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10460063815116882},{"word":"think","start":1217.485,"end":1217.725,"confidence":0.9999547,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.09814226627349854},{"word":"the","start":1217.725,"end":1217.885,"confidence":0.9980563,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09211744368076324},{"word":"interest","start":1217.885,"end":1218.205,"confidence":0.9991973,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.06603395938873291},{"word":"rates","start":1218.205,"end":1218.445,"confidence":0.9958509,"punctuated_word":"rates","sentiment":"neutral","sentiment_score":0.08087532222270966},{"word":"are","start":1218.445,"end":1218.605,"confidence":0.9965814,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.08309419453144073},{"word":"up","start":1218.605,"end":1218.765,"confidence":0.99526644,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.1004025936126709},{"word":"higher","start":1218.765,"end":1219.085,"confidence":0.9660421,"punctuated_word":"higher","sentiment":"neutral","sentiment_score":0.06506499648094177},{"word":"now","start":1219.085,"end":1219.56,"confidence":0.99355054,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.05053349956870079},{"word":"yep","start":1221.9601,"end":1222.4601,"confidence":0.7875174,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2611721158027649},{"word":"perfect","start":1222.52,"end":1223.02,"confidence":0.9926761,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.4941899180412293},{"word":"alrighty","start":1223.64,"end":1224.14,"confidence":0.92281485,"punctuated_word":"Alrighty.","sentiment":"positive","sentiment_score":0.45634475350379944},{"word":"mate","start":1224.2001,"end":1224.4401,"confidence":0.9686464,"punctuated_word":"Mate,","sentiment":"positive","sentiment_score":0.44796621799468994},{"word":"that's","start":1224.4401,"end":1224.68,"confidence":0.99910736,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5185055732727051},{"word":"pretty","start":1224.68,"end":1224.92,"confidence":0.9994124,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.48268789052963257},{"word":"much","start":1224.92,"end":1225.0801,"confidence":0.99977404,"punctuated_word":"much","sentiment":"positive","sentiment_score":0.45133283734321594},{"word":"everything","start":1225.0801,"end":1225.4,"confidence":0.9998621,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.536649227142334},{"word":"that","start":1225.4,"end":1225.64,"confidence":0.99959344,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5019909739494324},{"word":"i","start":1225.64,"end":1225.7201,"confidence":0.99991,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4828211069107056},{"word":"had","start":1225.7201,"end":1225.88,"confidence":0.97171074,"punctuated_word":"had","sentiment":"positive","sentiment_score":0.4621812701225281},{"word":"for","start":1225.88,"end":1226.04,"confidence":0.9975304,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.4034976959228515},{"word":"the","start":1226.04,"end":1226.2001,"confidence":0.9993299,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4516388177871704},{"word":"review","start":1226.2001,"end":1226.6001,"confidence":0.94018525,"punctuated_word":"review","sentiment":"positive","sentiment_score":0.4604412913322449},{"word":"so","start":1226.6001,"end":1226.76,"confidence":0.998517,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4550519585609436},{"word":"far","start":1226.76,"end":1227.26,"confidence":0.9992993,"punctuated_word":"far.","sentiment":"positive","sentiment_score":0.4525464177131653},{"word":"there's","start":1227.64,"end":1227.9601,"confidence":0.909377,"punctuated_word":"There's","sentiment":"positive","sentiment_score":0.5530019998550415},{"word":"no","start":1227.9601,"end":1228.1201,"confidence":0.99871397,"punctuated_word":"no","sentiment":"positive","sentiment_score":0.45641082525253296},{"word":"insurances","start":1228.1201,"end":1228.6201,"confidence":0.9972744,"punctuated_word":"insurances","sentiment":"positive","sentiment_score":0.44194477796554565},{"word":"or","start":1228.76,"end":1228.8401,"confidence":0.99766624,"punctuated_word":"or","sentiment":"positive","sentiment_score":0.5757430195808411},{"word":"anything","start":1228.8401,"end":1229.2401,"confidence":0.9054775,"punctuated_word":"anything,","sentiment":"positive","sentiment_score":0.5133208632469177},{"word":"so","start":1229.2401,"end":1229.4,"confidence":0.99971217,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.5008150935173035},{"word":"that's","start":1229.4,"end":1229.7201,"confidence":0.99984026,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.670289933681488},{"word":"great","start":1229.7201,"end":1230.2201,"confidence":0.99864286,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.6078718900680542},{"word":"and","start":1230.52,"end":1231.02,"confidence":0.99837995,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.3453634977340698},{"word":"like","start":1231.3201,"end":1231.56,"confidence":0.8619499,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.28788891434669495},{"word":"i","start":1231.56,"end":1231.64,"confidence":0.996671,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.28364619612693787},{"word":"mentioned","start":1231.64,"end":1232.04,"confidence":0.99016166,"punctuated_word":"mentioned","sentiment":"neutral","sentiment_score":0.2379833310842514},{"word":"before","start":1232.04,"end":1232.54,"confidence":0.9981377,"punctuated_word":"before,","sentiment":"neutral","sentiment_score":0.27683961391448975},{"word":"i've","start":1232.745,"end":1232.985,"confidence":0.93147194,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.26634541153907776},{"word":"kind","start":1232.985,"end":1233.145,"confidence":0.99301225,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.23352591693401337},{"word":"of","start":1233.145,"end":1233.225,"confidence":0.999723,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.27653801441192627},{"word":"emailed","start":1233.225,"end":1233.625,"confidence":0.95102376,"punctuated_word":"emailed","sentiment":"neutral","sentiment_score":0.26307326555252075},{"word":"through","start":1233.625,"end":1233.865,"confidence":0.999671,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.2587099075317383},{"word":"that","start":1233.865,"end":1234.105,"confidence":0.9985678,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.27531224489212036},{"word":"pack","start":1234.105,"end":1234.425,"confidence":0.96602863,"punctuated_word":"pack","sentiment":"neutral","sentiment_score":0.23657897114753723},{"word":"for","start":1234.425,"end":1234.505,"confidence":0.9628218,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2605900168418884},{"word":"you","start":1234.505,"end":1234.665,"confidence":0.99963677,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.21226996183395383},{"word":"just","start":1234.665,"end":1234.905,"confidence":0.97504914,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2574452757835388},{"word":"to","start":1234.905,"end":1234.985,"confidence":0.99335325,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.20528921484947205},{"word":"have","start":1234.985,"end":1235.065,"confidence":0.99938333,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.21234147250652313},{"word":"a","start":1235.065,"end":1235.145,"confidence":0.99614537,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22906920313835144},{"word":"look","start":1235.145,"end":1235.385,"confidence":0.99970585,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.1979709416627884},{"word":"at","start":1235.385,"end":1235.465,"confidence":0.994439,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.22709988057613373},{"word":"the","start":1235.465,"end":1235.705,"confidence":0.84432185,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2222789227962494},{"word":"performance","start":1235.705,"end":1236.105,"confidence":0.99841607,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.3035223186016083},{"word":"and","start":1236.105,"end":1236.345,"confidence":0.66081,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.17424297332763672},{"word":"so","start":1236.345,"end":1236.585,"confidence":0.7482118,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.13958224654197693},{"word":"on","start":1236.585,"end":1237.085,"confidence":0.8279252,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.06266262382268906},{"word":"and","start":1237.145,"end":1237.385,"confidence":0.9985506,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.13216041028499603},{"word":"there's","start":1237.385,"end":1237.625,"confidence":0.9978174,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.11659928411245346},{"word":"also","start":1237.625,"end":1238.025,"confidence":0.83383286,"punctuated_word":"also,","sentiment":"neutral","sentiment_score":0.12454167008399963},{"word":"like","start":1238.025,"end":1238.525,"confidence":0.9945745,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.13578100502490997},{"word":"a","start":1238.665,"end":1238.825,"confidence":0.99862456,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13083511590957642},{"word":"a","start":1238.825,"end":1238.905,"confidence":0.8286893,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1202879473567009},{"word":"digital","start":1238.905,"end":1239.385,"confidence":0.99927396,"punctuated_word":"digital","sentiment":"neutral","sentiment_score":0.06894473731517792},{"word":"link","start":1239.385,"end":1239.885,"confidence":0.99960726,"punctuated_word":"link","sentiment":"neutral","sentiment_score":0.08385162055492401},{"word":"through","start":1240.265,"end":1240.585,"confidence":0.64723766,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.08294802159070969},{"word":"our","start":1240.585,"end":1240.825,"confidence":0.98686326,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.10861806571483612},{"word":"ongoing","start":1240.825,"end":1241.305,"confidence":0.9930754,"punctuated_word":"ongoing","sentiment":"neutral","sentiment_score":0.1165238842368126},{"word":"service","start":1241.305,"end":1241.705,"confidence":0.9993824,"punctuated_word":"service","sentiment":"neutral","sentiment_score":0.10508734732866289},{"word":"agreement","start":1241.705,"end":1242.205,"confidence":0.9985317,"punctuated_word":"agreement.","sentiment":"neutral","sentiment_score":0.13045848906040192},{"word":"i","start":1242.585,"end":1242.745,"confidence":0.99831855,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.265459805727005},{"word":"did","start":1242.745,"end":1242.985,"confidence":0.97238064,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.23057231307029724},{"word":"wanna","start":1242.985,"end":1243.305,"confidence":0.9061211,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.23845845460891724},{"word":"double","start":1243.305,"end":1243.545,"confidence":0.9994635,"punctuated_word":"double","sentiment":"neutral","sentiment_score":0.18989431858062744},{"word":"check","start":1243.545,"end":1243.785,"confidence":0.99980885,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.18041186034679413},{"word":"if","start":1243.785,"end":1243.945,"confidence":0.99748874,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.23005791008472443},{"word":"you","start":1243.945,"end":1244.265,"confidence":0.78014725,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.17027676105499268},{"word":"of","start":1244.265,"end":1244.425,"confidence":0.9927429,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.18394692242145536},{"word":"course","start":1244.425,"end":1244.745,"confidence":0.9977607,"punctuated_word":"course,","sentiment":"neutral","sentiment_score":0.16056698560714722},{"word":"still","start":1244.745,"end":1244.985,"confidence":0.9254222,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.1342533528804779},{"word":"comfortable","start":1244.985,"end":1245.385,"confidence":0.9928973,"punctuated_word":"comfortable","sentiment":"neutral","sentiment_score":0.12505123019218445},{"word":"to","start":1245.385,"end":1245.545,"confidence":0.99101406,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18222083151340485},{"word":"remain","start":1245.545,"end":1245.865,"confidence":0.990085,"punctuated_word":"remain","sentiment":"neutral","sentiment_score":0.1665010005235672},{"word":"a","start":1245.865,"end":1245.945,"confidence":0.9441323,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1676144301891327},{"word":"client","start":1245.945,"end":1246.345,"confidence":0.9981818,"punctuated_word":"client","sentiment":"neutral","sentiment_score":0.19027695059776303},{"word":"about","start":1246.345,"end":1246.665,"confidence":0.7446085,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.13392335176467896},{"word":"you","start":1246.665,"end":1247.1,"confidence":0.99059796,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.1567251682281494},{"word":"cool","start":1249.66,"end":1250.16,"confidence":0.77945626,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4915543794631958},{"word":"so","start":1250.22,"end":1250.72,"confidence":0.9865204,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3202970027923584},{"word":"the","start":1250.86,"end":1251.1799,"confidence":0.9943785,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2530438005924225},{"word":"fees","start":1251.1799,"end":1251.5,"confidence":0.9865007,"punctuated_word":"fees","sentiment":"neutral","sentiment_score":0.3187510669231415},{"word":"haven't","start":1251.5,"end":1251.82,"confidence":0.99983245,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":0.23852749168872833},{"word":"changed","start":1251.82,"end":1252.22,"confidence":0.9867823,"punctuated_word":"changed.","sentiment":"neutral","sentiment_score":0.12275451421737672},{"word":"it's","start":1252.22,"end":1252.5399,"confidence":0.98480046,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.2231418341398239},{"word":"still","start":1252.5399,"end":1252.78,"confidence":0.9867185,"punctuated_word":"still","sentiment":"neutral","sentiment_score":0.26494771242141724},{"word":"the","start":1252.78,"end":1252.86,"confidence":0.94532114,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26092272996902466},{"word":"standard","start":1252.86,"end":1253.26,"confidence":0.9083873,"punctuated_word":"standard,","sentiment":"neutral","sentiment_score":0.2646533250808716},{"word":"like","start":1253.26,"end":1253.5,"confidence":0.9716106,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.31379324197769165},{"word":"1.65%","start":1253.5,"end":1255.0399,"confidence":0.9885796,"punctuated_word":"1.65%","sentiment":"neutral","sentiment_score":0.2180886268615723},{"word":"split","start":1255.34,"end":1255.74,"confidence":0.49761024,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.26387467980384827},{"word":"over","start":1255.74,"end":1255.98,"confidence":0.9991166,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.25799259543418884},{"word":"those","start":1255.98,"end":1256.22,"confidence":0.99926585,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.28134727478027344},{"word":"monthly","start":1256.22,"end":1256.62,"confidence":0.99554104,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":0.18614904582500455},{"word":"payments","start":1256.62,"end":1257.1,"confidence":0.9996631,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":0.23494265973567963},{"word":"throughout","start":1257.1,"end":1257.4199,"confidence":0.9997677,"punctuated_word":"throughout","sentiment":"neutral","sentiment_score":0.21437153220176697},{"word":"the","start":1257.4199,"end":1257.58,"confidence":0.9983553,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26366642117500305},{"word":"year","start":1257.58,"end":1258.08,"confidence":0.9394703,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.2625688910484314},{"word":"and","start":1258.22,"end":1258.72,"confidence":0.9997583,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2289370745420456},{"word":"that","start":1258.94,"end":1259.1,"confidence":0.9994191,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.24521557986736295},{"word":"always","start":1259.1,"end":1259.4199,"confidence":0.9900221,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.2378852814435959},{"word":"gets","start":1259.4199,"end":1259.66,"confidence":0.9945733,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.2389422506093979},{"word":"factored","start":1259.66,"end":1260.0599,"confidence":0.7921608,"punctuated_word":"factored","sentiment":"neutral","sentiment_score":0.25019964575767517},{"word":"into","start":1260.0599,"end":1260.38,"confidence":0.84250826,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.23704777657985687},{"word":"the","start":1260.38,"end":1260.5399,"confidence":0.94193053,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2504306137561798},{"word":"performance","start":1260.5399,"end":1261.0399,"confidence":0.9964186,"punctuated_word":"performance","sentiment":"neutral","sentiment_score":0.24036170542240143},{"word":"as","start":1261.1,"end":1261.26,"confidence":0.99975806,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2508080005645752},{"word":"well","start":1261.26,"end":1261.605,"confidence":0.9925619,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.18819721043109897},{"word":"so","start":1261.6849,"end":1261.9249,"confidence":0.9992015,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07200893014669418},{"word":"everything","start":1261.9249,"end":1262.085,"confidence":0.99855846,"punctuated_word":"everything","sentiment":"neutral","sentiment_score":0.06645122170448303},{"word":"that","start":1262.085,"end":1262.405,"confidence":0.9994136,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0812038779258728},{"word":"i","start":1262.405,"end":1262.645,"confidence":0.9975885,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08768130838871002},{"word":"quote","start":1262.645,"end":1262.965,"confidence":0.95818645,"punctuated_word":"quote","sentiment":"neutral","sentiment_score":0.10840823501348495},{"word":"is","start":1262.965,"end":1263.285,"confidence":0.99864715,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05938771367073059},{"word":"after","start":1263.285,"end":1263.525,"confidence":0.94691634,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.09638746082782744},{"word":"fees","start":1263.525,"end":1264.025,"confidence":0.8068596,"punctuated_word":"fees.","sentiment":"neutral","sentiment_score":0.10105055570602416},{"word":"cool","start":1266.965,"end":1267.465,"confidence":0.9731787,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.5597354769706726},{"word":"jeff","start":1267.765,"end":1268.165,"confidence":0.84423506,"punctuated_word":"Jeff,","sentiment":"positive","sentiment_score":0.3741772174835205},{"word":"any","start":1268.165,"end":1268.405,"confidence":0.99768746,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.3031216263771057},{"word":"questions","start":1268.405,"end":1268.8049,"confidence":0.9989152,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.28607234358787537},{"word":"for","start":1268.8049,"end":1268.965,"confidence":0.982793,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2147573083639145},{"word":"me","start":1268.965,"end":1269.125,"confidence":0.9996269,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.25692638754844666},{"word":"so","start":1269.125,"end":1269.285,"confidence":0.9977977,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1992134153842926},{"word":"far","start":1269.285,"end":1269.785,"confidence":0.9968653,"punctuated_word":"far?","sentiment":"neutral","sentiment_score":0.19534026086330417},{"word":"it","start":1280.37,"end":1280.53,"confidence":0.48211268,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.017089055851101875},{"word":"can","start":1280.53,"end":1280.77,"confidence":0.9994603,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.02758302353322506},{"word":"be","start":1280.77,"end":1281.09,"confidence":0.9997807,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.02337239682674408},{"word":"on","start":1281.09,"end":1281.59,"confidence":0.9987268,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.020797092467546463},{"word":"any","start":1281.65,"end":1281.89,"confidence":0.99797136,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.03630445897579193},{"word":"number","start":1281.89,"end":1282.21,"confidence":0.99989486,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.01116238348186016},{"word":"you","start":1282.21,"end":1282.4501,"confidence":0.9982912,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.032319433987140656},{"word":"prefer","start":1282.4501,"end":1282.9501,"confidence":0.8988383,"punctuated_word":"prefer.","sentiment":"neutral","sentiment_score":0.02972368523478508},{"word":"if","start":1283.09,"end":1283.33,"confidence":0.98391783,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.014809336513280869},{"word":"you","start":1283.33,"end":1283.41,"confidence":0.7934169,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.01048450730741024},{"word":"have","start":1283.41,"end":1283.5701,"confidence":0.9428834,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.010264163836836817},{"word":"a","start":1283.5701,"end":1283.65,"confidence":0.981587,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.00828610174357891},{"word":"preferred","start":1283.65,"end":1284.05,"confidence":0.99592954,"punctuated_word":"preferred","sentiment":"neutral","sentiment_score":-0.0030353404581546783},{"word":"contact","start":1284.05,"end":1284.4501,"confidence":0.9995334,"punctuated_word":"contact","sentiment":"neutral","sentiment_score":-0.011431880295276642},{"word":"number","start":1284.4501,"end":1284.6901,"confidence":0.9574589,"punctuated_word":"number,","sentiment":"neutral","sentiment_score":-0.02059713378548622},{"word":"i","start":1284.6901,"end":1284.85,"confidence":0.99948704,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.012985672801733015},{"word":"can","start":1284.85,"end":1285.01,"confidence":0.99846435,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.000829838216304779},{"word":"update","start":1285.01,"end":1285.51,"confidence":0.97772807,"punctuated_word":"update.","sentiment":"neutral","sentiment_score":0.007296938449144363},{"word":"yeah","start":1299.4401,"end":1299.8401,"confidence":0.7789515,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0041011180728673935},{"word":"and","start":1299.8401,"end":1300.0801,"confidence":0.9923113,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.01293688639998436},{"word":"one","start":1300.0801,"end":1300.3201,"confidence":0.9988663,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.01240629330277443},{"word":"of","start":1300.3201,"end":1300.4801,"confidence":0.9995659,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.02470310777425766},{"word":"the","start":1300.4801,"end":1300.56,"confidence":0.9988918,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.018182024359703064},{"word":"tricky","start":1300.56,"end":1300.9601,"confidence":0.9977591,"punctuated_word":"tricky","sentiment":"neutral","sentiment_score":-0.03299436345696449},{"word":"things","start":1300.9601,"end":1301.2001,"confidence":0.99741805,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.03858878090977669},{"word":"that","start":1301.2001,"end":1301.6001,"confidence":0.99937433,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.05760027840733528},{"word":"i'm","start":1301.6001,"end":1301.76,"confidence":0.997481,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.06941776722669601},{"word":"not","start":1301.76,"end":1302.0,"confidence":0.9995664,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.10301537811756134},{"word":"across","start":1302.0,"end":1302.4,"confidence":0.9802485,"punctuated_word":"across","sentiment":"neutral","sentiment_score":-0.11183840781450272},{"word":"with","start":1302.4,"end":1302.56,"confidence":0.99951375,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.09193656593561172},{"word":"the","start":1302.56,"end":1302.7201,"confidence":0.99619365,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07150280475616455},{"word":"tech","start":1302.7201,"end":1303.2201,"confidence":0.99331266,"punctuated_word":"tech","sentiment":"neutral","sentiment_score":-0.0611673928797245},{"word":"is","start":1303.36,"end":1303.68,"confidence":0.9887177,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.06668314337730408},{"word":"we've","start":1303.68,"end":1303.92,"confidence":0.9733871,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.08213123679161072},{"word":"got","start":1303.92,"end":1304.0,"confidence":0.91388476,"punctuated_word":"got,","sentiment":"neutral","sentiment_score":-0.07557320594787598},{"word":"like","start":1304.0,"end":1304.24,"confidence":0.99899673,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":-0.06305205821990967},{"word":"a","start":1304.24,"end":1304.3201,"confidence":0.9978955,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.07411355525255203},{"word":"main","start":1304.3201,"end":1304.64,"confidence":0.9996258,"punctuated_word":"main","sentiment":"neutral","sentiment_score":-0.07511620968580246},{"word":"office","start":1304.64,"end":1304.9601,"confidence":0.9992136,"punctuated_word":"office","sentiment":"neutral","sentiment_score":-0.061623308807611465},{"word":"number","start":1304.9601,"end":1305.4601,"confidence":0.8321928,"punctuated_word":"number.","sentiment":"neutral","sentiment_score":-0.06893385946750641},{"word":"and","start":1305.68,"end":1306.0801,"confidence":0.9994678,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.03979956358671189},{"word":"because","start":1306.0801,"end":1306.4,"confidence":0.9866041,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04099036753177643},{"word":"i'm","start":1306.4,"end":1306.56,"confidence":0.99739707,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.02802160009741783},{"word":"on","start":1306.56,"end":1306.7201,"confidence":0.99486345,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.017679117619991302},{"word":"a","start":1306.7201,"end":1306.8,"confidence":0.9944939,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.029274463653564453},{"word":"digital","start":1306.8,"end":1307.28,"confidence":0.9978351,"punctuated_word":"digital","sentiment":"neutral","sentiment_score":-0.02155230939388275},{"word":"phone","start":1307.28,"end":1307.52,"confidence":0.89506376,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":-0.03687959164381027},{"word":"system","start":1307.52,"end":1307.92,"confidence":0.87515676,"punctuated_word":"system,","sentiment":"neutral","sentiment_score":-0.03629208356142044},{"word":"when","start":1307.92,"end":1308.16,"confidence":0.9977767,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.04126306250691414},{"word":"it","start":1308.16,"end":1308.3201,"confidence":0.99738425,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.03448791056871414},{"word":"calls","start":1308.3201,"end":1308.56,"confidence":0.9800126,"punctuated_word":"calls","sentiment":"neutral","sentiment_score":-0.04716583341360092},{"word":"through","start":1308.56,"end":1308.8,"confidence":0.8667041,"punctuated_word":"through,","sentiment":"neutral","sentiment_score":-0.03329991176724434},{"word":"it","start":1308.8,"end":1308.9601,"confidence":0.98264664,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.031626418232917786},{"word":"may","start":1308.9601,"end":1309.2001,"confidence":0.99386495,"punctuated_word":"may","sentiment":"neutral","sentiment_score":-0.019012337550520897},{"word":"come","start":1309.2001,"end":1309.4401,"confidence":0.9890511,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.02833317220211029},{"word":"through","start":1309.4401,"end":1309.8401,"confidence":0.99170274,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.0322260782122612},{"word":"from","start":1309.8401,"end":1310.3401,"confidence":0.9298911,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.02628989890217781},{"word":"yeah","start":1310.7301,"end":1311.2301,"confidence":0.6295829,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.006007424555718899},{"word":"yep","start":1321.805,"end":1322.2051,"confidence":0.790701,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.015190149657428265},{"word":"yep","start":1322.2051,"end":1322.685,"confidence":0.9829682,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04093176871538162},{"word":"that's","start":1322.685,"end":1323.005,"confidence":0.9635803,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.054104723036289215},{"word":"our","start":1323.005,"end":1323.405,"confidence":0.8262639,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.05576062202453613},{"word":"sort","start":1323.405,"end":1323.5651,"confidence":0.9115148,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.10624808073043825},{"word":"of","start":1323.5651,"end":1323.885,"confidence":0.9894651,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06608401238918304},{"word":"digital","start":1323.885,"end":1324.3651,"confidence":0.99229795,"punctuated_word":"digital","sentiment":"neutral","sentiment_score":0.049985576421022415},{"word":"phone","start":1324.3651,"end":1324.6051,"confidence":0.9881989,"punctuated_word":"phone","sentiment":"neutral","sentiment_score":0.03563123196363449},{"word":"number","start":1324.6051,"end":1325.1051,"confidence":0.99385744,"punctuated_word":"number.","sentiment":"neutral","sentiment_score":0.06144798547029495},{"word":"if","start":1325.245,"end":1325.4851,"confidence":0.95188034,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.1338498890399933},{"word":"it","start":1325.4851,"end":1325.5651,"confidence":0.9457975,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15026256442070007},{"word":"helps","start":1325.5651,"end":1325.82,"confidence":0.9013582,"punctuated_word":"helps","sentiment":"neutral","sentiment_score":0.12472529709339142},{"word":"at","start":1325.8999,"end":1326.0599,"confidence":0.9711293,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.10786381363868712},{"word":"all","start":1326.0599,"end":1326.22,"confidence":0.99321,"punctuated_word":"all,","sentiment":"neutral","sentiment_score":0.14391234517097473},{"word":"i","start":1326.22,"end":1326.2999,"confidence":0.99965143,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15496374666690826},{"word":"can","start":1326.2999,"end":1326.62,"confidence":0.97382283,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16130080819129944},{"word":"always","start":1326.62,"end":1326.86,"confidence":0.9979372,"punctuated_word":"always","sentiment":"neutral","sentiment_score":0.16323183476924896},{"word":"send","start":1326.86,"end":1327.0199,"confidence":0.99895966,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.1386624127626419},{"word":"you","start":1327.0199,"end":1327.1799,"confidence":0.99955183,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11903049796819688},{"word":"a","start":1327.1799,"end":1327.2599,"confidence":0.9987501,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12917321920394895},{"word":"bit","start":1327.2599,"end":1327.5,"confidence":0.9992113,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.14599984884262085},{"word":"of","start":1327.5,"end":1327.6599,"confidence":0.99886924,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1205165907740593},{"word":"a","start":1327.6599,"end":1327.74,"confidence":0.9923578,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09663085639476776},{"word":"text","start":1327.74,"end":1327.98,"confidence":0.99902725,"punctuated_word":"text","sentiment":"neutral","sentiment_score":0.11919549107551576},{"word":"message","start":1327.98,"end":1328.46,"confidence":0.9996221,"punctuated_word":"message","sentiment":"neutral","sentiment_score":0.06535283476114273},{"word":"before","start":1328.46,"end":1328.7799,"confidence":0.98696345,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.07395753264427185},{"word":"any","start":1328.7799,"end":1329.0199,"confidence":0.98372436,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.07177919149398804},{"word":"calls","start":1329.0199,"end":1329.34,"confidence":0.7240626,"punctuated_word":"calls.","sentiment":"neutral","sentiment_score":0.057603299617767334},{"word":"just","start":1329.34,"end":1329.5,"confidence":0.9975204,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.09478726238012314},{"word":"give","start":1329.5,"end":1329.74,"confidence":0.76731145,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.11342433840036392},{"word":"you","start":1329.74,"end":1329.8999,"confidence":0.9733256,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08974117040634155},{"word":"a","start":1329.8999,"end":1329.98,"confidence":0.9939567,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09660905599594116},{"word":"heads","start":1329.98,"end":1330.1399,"confidence":0.9975859,"punctuated_word":"heads","sentiment":"neutral","sentiment_score":0.11074759066104888},{"word":"up","start":1330.1399,"end":1330.2999,"confidence":0.7389095,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.12279799580574036},{"word":"that'll","start":1330.2999,"end":1330.62,"confidence":0.9326413,"punctuated_word":"That'll","sentiment":"neutral","sentiment_score":0.14897412061691284},{"word":"be","start":1330.62,"end":1330.86,"confidence":0.9948397,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.14190950989723206},{"word":"us","start":1330.86,"end":1331.0199,"confidence":0.9873361,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.11545859277248384},{"word":"calling","start":1331.0199,"end":1331.4199,"confidence":0.9942557,"punctuated_word":"calling","sentiment":"neutral","sentiment_score":0.1288207322359085},{"word":"if","start":1331.4199,"end":1331.58,"confidence":0.63348645,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12532570958137512},{"word":"that","start":1331.58,"end":1331.82,"confidence":0.9990852,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.185795858502388},{"word":"helps","start":1331.82,"end":1332.1399,"confidence":0.8731812,"punctuated_word":"helps.","sentiment":"neutral","sentiment_score":0.1411413848400116},{"word":"so","start":1332.1399,"end":1332.6399,"confidence":0.58975035,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.3409634828567505},{"word":"yep","start":1351.135,"end":1351.635,"confidence":0.74963194,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.021804317831993103},{"word":"we","start":1352.175,"end":1352.415,"confidence":0.9280915,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.0554971843957901},{"word":"don't","start":1352.415,"end":1352.655,"confidence":0.99987113,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.016276486217975616},{"word":"like","start":1352.655,"end":1352.815,"confidence":0.9925876,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.008758679032325745},{"word":"doing","start":1352.815,"end":1353.135,"confidence":0.9816143,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.028994686901569366},{"word":"too","start":1353.135,"end":1353.295,"confidence":0.99632347,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.01176173985004425},{"word":"many","start":1353.295,"end":1353.535,"confidence":0.99980444,"punctuated_word":"many","sentiment":"neutral","sentiment_score":-0.04998168349266052},{"word":"double","start":1353.535,"end":1353.855,"confidence":0.8481386,"punctuated_word":"double,","sentiment":"neutral","sentiment_score":-0.0682426393032074},{"word":"triple","start":1353.855,"end":1354.175,"confidence":0.9993741,"punctuated_word":"triple","sentiment":"neutral","sentiment_score":-0.04024254158139229},{"word":"rings","start":1354.175,"end":1354.575,"confidence":0.97533596,"punctuated_word":"rings","sentiment":"neutral","sentiment_score":-0.03331749886274338},{"word":"these","start":1354.575,"end":1354.815,"confidence":0.9905261,"punctuated_word":"these","sentiment":"neutral","sentiment_score":-0.0237346813082695},{"word":"days","start":1354.815,"end":1355.055,"confidence":0.872417,"punctuated_word":"days,","sentiment":"neutral","sentiment_score":-0.024178285151720047},{"word":"but","start":1355.055,"end":1355.295,"confidence":0.9628149,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.007251814007759094},{"word":"a","start":1355.295,"end":1355.4525,"confidence":0.7098155,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.022538095712661743},{"word":"text","start":1355.4525,"end":1355.61,"confidence":0.99140173,"punctuated_word":"text","sentiment":"neutral","sentiment_score":0.054965198040008545},{"word":"beforehand","start":1355.85,"end":1356.09,"confidence":0.938199,"punctuated_word":"beforehand","sentiment":"neutral","sentiment_score":0.049764275550842285},{"word":"and","start":1356.09,"end":1356.41,"confidence":0.96599466,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.050424762070178986},{"word":"a","start":1356.41,"end":1356.49,"confidence":0.861615,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06708189845085144},{"word":"voice","start":1356.49,"end":1356.8099,"confidence":0.9995952,"punctuated_word":"voice","sentiment":"neutral","sentiment_score":0.03130596876144409},{"word":"message","start":1356.8099,"end":1357.21,"confidence":0.9992539,"punctuated_word":"message","sentiment":"neutral","sentiment_score":0.04047601670026779},{"word":"after","start":1357.21,"end":1357.71,"confidence":0.848532,"punctuated_word":"after,","sentiment":"neutral","sentiment_score":0.06691157072782516},{"word":"no","start":1357.85,"end":1358.09,"confidence":0.9939346,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.07213252782821655},{"word":"worries","start":1358.09,"end":1358.41,"confidence":0.9626661,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":-0.025633864104747772},{"word":"at","start":1358.41,"end":1358.49,"confidence":0.997712,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02168029546737671},{"word":"all","start":1358.49,"end":1358.99,"confidence":0.99969745,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.012695509940385818},{"word":"yep","start":1364.73,"end":1365.13,"confidence":0.97476697,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.36192020773887634},{"word":"awesome","start":1365.13,"end":1365.63,"confidence":0.9818717,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.7263165712356567},{"word":"mate","start":1365.9299,"end":1366.41,"confidence":0.7609045,"punctuated_word":"Mate,","sentiment":"positive","sentiment_score":0.4710679054260254},{"word":"with","start":1366.41,"end":1366.91,"confidence":0.9936266,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.4635899066925049},{"word":"the","start":1366.97,"end":1367.29,"confidence":0.88898027,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.44053778052330017},{"word":"the","start":1367.29,"end":1367.53,"confidence":0.8307839,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.42311084270477295},{"word":"pack","start":1367.53,"end":1367.69,"confidence":0.9394512,"punctuated_word":"pack","sentiment":"positive","sentiment_score":0.3504703640937805},{"word":"that","start":1367.69,"end":1367.85,"confidence":0.98453414,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.3005931079387665},{"word":"i","start":1367.85,"end":1368.01,"confidence":0.9936847,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2579122483730316},{"word":"sent","start":1368.01,"end":1368.25,"confidence":0.7944145,"punctuated_word":"sent","sentiment":"neutral","sentiment_score":0.24351343512535095},{"word":"through","start":1368.25,"end":1368.49,"confidence":0.99272823,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.25398895144462585},{"word":"to","start":1368.49,"end":1368.65,"confidence":0.98589754,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.30851447582244873},{"word":"you","start":1368.65,"end":1368.915,"confidence":0.9925039,"punctuated_word":"you,","sentiment":"neutral","sentiment_score":0.26646870374679565},{"word":"please","start":1368.995,"end":1369.155,"confidence":0.9993149,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.1927460879087448},{"word":"just","start":1369.155,"end":1369.275,"confidence":0.99331677,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16338104009628296},{"word":"bear","start":1369.275,"end":1369.395,"confidence":0.997133,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":0.13007280230522156},{"word":"in","start":1369.395,"end":1369.635,"confidence":0.9958312,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11697876453399658},{"word":"mind","start":1369.635,"end":1369.795,"confidence":0.9998221,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.1943968236446381},{"word":"that","start":1369.795,"end":1370.035,"confidence":0.9994325,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17518283426761627},{"word":"it's","start":1370.035,"end":1370.115,"confidence":0.9989958,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.15850068628787994},{"word":"on","start":1370.115,"end":1370.435,"confidence":0.85667074,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.15986421704292297},{"word":"our","start":1370.435,"end":1370.8351,"confidence":0.9691093,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.1830672174692154},{"word":"our","start":1370.8351,"end":1370.995,"confidence":0.9188165,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.1813271939754486},{"word":"new","start":1370.995,"end":1371.235,"confidence":0.99679,"punctuated_word":"new","sentiment":"neutral","sentiment_score":0.2085697799921036},{"word":"system","start":1371.235,"end":1371.735,"confidence":0.9995043,"punctuated_word":"system","sentiment":"neutral","sentiment_score":0.2294069230556488},{"word":"called","start":1371.875,"end":1372.115,"confidence":0.92560273,"punctuated_word":"called","sentiment":"neutral","sentiment_score":0.288617879152298},{"word":"odoo","start":1372.115,"end":1372.515,"confidence":0.9814188,"punctuated_word":"Odoo.","sentiment":"neutral","sentiment_score":0.23629602789878845},{"word":"it's","start":1372.515,"end":1372.755,"confidence":0.99771255,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.23113183677196503},{"word":"kind","start":1372.755,"end":1372.915,"confidence":0.9927114,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.2643043100833893},{"word":"of","start":1372.915,"end":1373.0751,"confidence":0.99969184,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2685779333114624},{"word":"like","start":1373.0751,"end":1373.5751,"confidence":0.90458626,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.231004536151886},{"word":"a","start":1374.355,"end":1374.395,"confidence":0.69243056,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.32496535778045654},{"word":"all","start":1374.435,"end":1374.755,"confidence":0.77283525,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.2623324692249298},{"word":"your","start":1374.755,"end":1374.915,"confidence":0.99333847,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.30318570137023926},{"word":"customer","start":1374.915,"end":1375.415,"confidence":0.998992,"punctuated_word":"customer","sentiment":"neutral","sentiment_score":0.1697562038898468},{"word":"details","start":1375.4751,"end":1375.9751,"confidence":0.9994784,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.24503809213638303},{"word":"as","start":1376.275,"end":1376.435,"confidence":0.84869146,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.19816052913665771},{"word":"well","start":1376.435,"end":1376.675,"confidence":0.9999114,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.2103024423122406},{"word":"as","start":1376.675,"end":1377.155,"confidence":0.99701047,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2148624211549759},{"word":"a","start":1377.155,"end":1377.235,"confidence":0.98630583,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.286655992269516},{"word":"bit","start":1377.235,"end":1377.4751,"confidence":0.99508214,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2520711123943329},{"word":"of","start":1377.4751,"end":1377.555,"confidence":0.99964976,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.3209459185600281},{"word":"a","start":1377.555,"end":1377.7151,"confidence":0.9877867,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3347124755382538},{"word":"docusign","start":1377.7151,"end":1378.2151,"confidence":0.9875304,"punctuated_word":"DocuSign","sentiment":"neutral","sentiment_score":0.1952909231185913},{"word":"as","start":1378.355,"end":1378.515,"confidence":0.9981426,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2418457567691803},{"word":"well","start":1378.515,"end":1379.015,"confidence":0.9973295,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.23769699037075043},{"word":"it","start":1379.0751,"end":1379.3151,"confidence":0.9991665,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.17306256294250488},{"word":"may","start":1379.3151,"end":1379.555,"confidence":0.9985922,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.07205847650766373},{"word":"go","start":1379.555,"end":1379.795,"confidence":0.99987197,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.09719298779964448},{"word":"through","start":1379.795,"end":1380.1951,"confidence":0.99991524,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.10037869215011597},{"word":"to","start":1380.1951,"end":1380.355,"confidence":0.99860257,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08447891473770142},{"word":"your","start":1380.355,"end":1380.755,"confidence":0.99982196,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.0915398895740509},{"word":"spam","start":1380.755,"end":1381.0751,"confidence":0.9978492,"punctuated_word":"spam","sentiment":"neutral","sentiment_score":0.045601457357406616},{"word":"folder","start":1381.0751,"end":1381.5751,"confidence":0.999819,"punctuated_word":"folder","sentiment":"neutral","sentiment_score":0.025226719677448273},{"word":"in","start":1381.76,"end":1381.92,"confidence":0.99953055,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.07237750291824341},{"word":"your","start":1381.92,"end":1382.16,"confidence":0.9999018,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.10688994824886322},{"word":"email","start":1382.16,"end":1382.66,"confidence":0.76568085,"punctuated_word":"email,","sentiment":"neutral","sentiment_score":0.06977574527263641},{"word":"or","start":1382.7201,"end":1382.9601,"confidence":0.9840418,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.046520497649908066},{"word":"it","start":1382.9601,"end":1383.04,"confidence":0.9954874,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14550632238388062},{"word":"may","start":1383.04,"end":1383.28,"confidence":0.92385674,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.055152155458927155},{"word":"go","start":1383.28,"end":1383.3601,"confidence":0.9971527,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.07317262887954712},{"word":"through","start":1383.3601,"end":1383.6001,"confidence":0.9985488,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.06795111298561096},{"word":"your","start":1383.6001,"end":1383.76,"confidence":0.7838054,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08089148998260498},{"word":"main","start":1383.76,"end":1384.0,"confidence":0.99203706,"punctuated_word":"main","sentiment":"neutral","sentiment_score":0.06094979867339134},{"word":"box","start":1384.0,"end":1384.2401,"confidence":0.9330281,"punctuated_word":"box.","sentiment":"neutral","sentiment_score":0.09866711497306824},{"word":"so","start":1384.2401,"end":1384.3201,"confidence":0.39740065,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.14273589849472046},{"word":"just","start":1384.3201,"end":1384.4801,"confidence":0.86007077,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15543176233768463},{"word":"have","start":1384.4801,"end":1384.64,"confidence":0.9698777,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17014558613300323},{"word":"a","start":1384.64,"end":1384.7201,"confidence":0.97646004,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20348918437957764},{"word":"bit","start":1384.7201,"end":1384.88,"confidence":0.9882958,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1873665452003479},{"word":"of","start":1384.88,"end":1384.96,"confidence":0.99413365,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24800746142864227},{"word":"a","start":1384.96,"end":1385.04,"confidence":0.9582761,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22027982771396637},{"word":"check","start":1385.04,"end":1385.28,"confidence":0.99875927,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.1568572074174881},{"word":"on","start":1385.28,"end":1385.4401,"confidence":0.9980579,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09262467175722122},{"word":"both","start":1385.4401,"end":1385.9401,"confidence":0.9768221,"punctuated_word":"both.","sentiment":"neutral","sentiment_score":0.15199747681617737},{"word":"and","start":1386.16,"end":1386.66,"confidence":0.9975357,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.12106636166572572},{"word":"when","start":1387.4401,"end":1387.68,"confidence":0.9942139,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.1095789074897766},{"word":"you","start":1387.68,"end":1387.8401,"confidence":0.9997559,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1272668093442917},{"word":"go","start":1387.8401,"end":1388.0,"confidence":0.9971982,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.08958757668733597},{"word":"in","start":1388.0,"end":1388.16,"confidence":0.9991861,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10411743819713593},{"word":"there","start":1388.16,"end":1388.66,"confidence":0.9808885,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.11985062062740326},{"word":"if","start":1388.8,"end":1388.9601,"confidence":0.7408046,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12077523022890092},{"word":"you","start":1388.9601,"end":1389.12,"confidence":0.99973494,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10069754719734192},{"word":"have","start":1389.12,"end":1389.28,"confidence":0.9965913,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.024244867265224457},{"word":"any","start":1389.28,"end":1389.52,"confidence":0.99985325,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.05013054609298706},{"word":"trouble","start":1389.52,"end":1389.8401,"confidence":0.99865556,"punctuated_word":"trouble","sentiment":"neutral","sentiment_score":0.06326121836900711},{"word":"with","start":1389.8401,"end":1390.3201,"confidence":0.99981385,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.032545872032642365},{"word":"the","start":1390.3201,"end":1390.56,"confidence":0.9982937,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13320228457450867},{"word":"system","start":1390.56,"end":1390.9601,"confidence":0.99147725,"punctuated_word":"system,","sentiment":"neutral","sentiment_score":0.0936102569103241},{"word":"just","start":1390.9601,"end":1391.2001,"confidence":0.9996675,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.09819740056991576},{"word":"give","start":1391.2001,"end":1391.3601,"confidence":0.9908924,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.07434924691915512},{"word":"the","start":1391.3601,"end":1391.52,"confidence":0.99848795,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10237310826778412},{"word":"team","start":1391.52,"end":1391.76,"confidence":0.99473274,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.1211860403418541},{"word":"a","start":1391.76,"end":1391.8401,"confidence":0.9889831,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15922623872756958},{"word":"call","start":1391.8401,"end":1392.16,"confidence":0.94462264,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.15341584384441376},{"word":"they","start":1392.16,"end":1392.3201,"confidence":0.99863416,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.17956741154193878},{"word":"can","start":1392.3201,"end":1392.4,"confidence":0.99923027,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16210278868675232},{"word":"walk","start":1392.4,"end":1392.64,"confidence":0.9937384,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.24905513226985931},{"word":"you","start":1392.64,"end":1392.8,"confidence":0.9990958,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1710079163312912},{"word":"through","start":1392.8,"end":1392.9601,"confidence":0.9998031,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.17165419459342957},{"word":"it","start":1392.9601,"end":1393.3601,"confidence":0.83591616,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.14682897925376892},{"word":"but","start":1393.3601,"end":1393.6001,"confidence":0.9989849,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08654507994651794},{"word":"it","start":1393.6001,"end":1393.76,"confidence":0.99919707,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05826293304562569},{"word":"tends","start":1393.76,"end":1394.0801,"confidence":0.99920624,"punctuated_word":"tends","sentiment":"neutral","sentiment_score":0.05525176227092743},{"word":"to","start":1394.0801,"end":1394.2401,"confidence":0.99951005,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04052337259054184},{"word":"do","start":1394.2401,"end":1394.4801,"confidence":0.836095,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.05109977722167969},{"word":"like","start":1394.4801,"end":1394.64,"confidence":0.9969647,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06129295751452446},{"word":"an","start":1394.64,"end":1394.88,"confidence":0.99346256,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.06164219230413437},{"word":"automatic","start":1394.88,"end":1395.38,"confidence":0.99955124,"punctuated_word":"automatic","sentiment":"neutral","sentiment_score":0.04777080565690994},{"word":"stamp","start":1395.52,"end":1395.92,"confidence":0.68603694,"punctuated_word":"stamp","sentiment":"neutral","sentiment_score":0.01854921691119671},{"word":"signature","start":1395.92,"end":1396.42,"confidence":0.81790835,"punctuated_word":"signature,","sentiment":"neutral","sentiment_score":0.016564350575208664},{"word":"or","start":1396.9249,"end":1397.005,"confidence":0.9960877,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.035222128033638},{"word":"you","start":1397.005,"end":1397.245,"confidence":0.9982607,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04921477288007736},{"word":"can","start":1397.245,"end":1397.325,"confidence":0.9841738,"punctuated_word":"can,","sentiment":"neutral","sentiment_score":0.04628222808241844},{"word":"like","start":1397.325,"end":1397.645,"confidence":0.999238,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.06088818237185478},{"word":"click","start":1397.645,"end":1397.885,"confidence":0.99946684,"punctuated_word":"click","sentiment":"neutral","sentiment_score":0.051510222256183624},{"word":"on","start":1397.885,"end":1398.0449,"confidence":0.9989267,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.0650981217622757},{"word":"it","start":1398.0449,"end":1398.125,"confidence":0.988853,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07011590898036957},{"word":"with","start":1398.125,"end":1398.365,"confidence":0.99928755,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.04249195009469986},{"word":"your","start":1398.365,"end":1398.525,"confidence":0.9914555,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.05567345023155213},{"word":"finger","start":1398.525,"end":1398.845,"confidence":0.9960433,"punctuated_word":"finger","sentiment":"neutral","sentiment_score":0.06428183615207672},{"word":"and","start":1398.845,"end":1399.085,"confidence":0.92376477,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0422382727265358},{"word":"and","start":1399.085,"end":1399.245,"confidence":0.8875657,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.032798055559396744},{"word":"draw","start":1399.245,"end":1399.565,"confidence":0.9437886,"punctuated_word":"draw","sentiment":"neutral","sentiment_score":0.05142546445131302},{"word":"a","start":1399.565,"end":1399.645,"confidence":0.9339147,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03825059533119202},{"word":"signature","start":1399.645,"end":1400.145,"confidence":0.99932146,"punctuated_word":"signature.","sentiment":"neutral","sentiment_score":0.045118264853954315},{"word":"oh","start":1405.405,"end":1405.725,"confidence":0.95183575,"punctuated_word":"Oh,","sentiment":"positive","sentiment_score":0.44927436113357544},{"word":"perfect","start":1405.725,"end":1406.225,"confidence":0.98805624,"punctuated_word":"perfect.","sentiment":"positive","sentiment_score":0.5695300102233887},{"word":"yep","start":1415.01,"end":1415.51,"confidence":0.84733474,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.16705161333084106},{"word":"now","start":1415.65,"end":1416.15,"confidence":0.9875257,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.1290142983198166},{"word":"would","start":1416.53,"end":1416.6901,"confidence":0.9804341,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.11506859958171844},{"word":"you","start":1416.6901,"end":1416.85,"confidence":0.999716,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1044442057609558},{"word":"mind","start":1416.85,"end":1417.09,"confidence":0.9999529,"punctuated_word":"mind","sentiment":"neutral","sentiment_score":0.120330348610878},{"word":"pulling","start":1417.09,"end":1417.25,"confidence":0.99568754,"punctuated_word":"pulling","sentiment":"neutral","sentiment_score":0.1658267229795456},{"word":"that","start":1417.25,"end":1417.49,"confidence":0.99896955,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.14345532655715942},{"word":"up","start":1417.49,"end":1417.5701,"confidence":0.9923343,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14853593707084656},{"word":"for","start":1417.5701,"end":1417.73,"confidence":0.95694166,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13716822862625122},{"word":"me","start":1417.73,"end":1417.81,"confidence":0.9996824,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.1608894169330597},{"word":"and","start":1417.81,"end":1417.89,"confidence":0.9186594,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1280919313430786},{"word":"just","start":1417.89,"end":1418.13,"confidence":0.9979843,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1817355901002884},{"word":"seeing","start":1418.13,"end":1418.37,"confidence":0.9899513,"punctuated_word":"seeing","sentiment":"neutral","sentiment_score":0.15415680408477783},{"word":"if","start":1418.37,"end":1418.53,"confidence":0.9976985,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.18436743319034576},{"word":"it","start":1418.53,"end":1418.77,"confidence":0.9994443,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2499861866235733},{"word":"works","start":1418.77,"end":1419.17,"confidence":0.99543697,"punctuated_word":"works","sentiment":"neutral","sentiment_score":0.2198794037103653},{"word":"okay","start":1419.17,"end":1419.41,"confidence":0.9989322,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.20662754774093628},{"word":"for","start":1419.41,"end":1419.5701,"confidence":0.99371064,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.18010954558849335},{"word":"you","start":1419.5701,"end":1420.0701,"confidence":0.9882194,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.1553477793931961},{"word":"yep","start":1442.48,"end":1442.88,"confidence":0.7832815,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1246626228094101},{"word":"and","start":1442.88,"end":1443.12,"confidence":0.9962172,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09928768873214722},{"word":"there's","start":1443.12,"end":1443.4401,"confidence":0.99968934,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.09953917562961578},{"word":"also","start":1443.4401,"end":1443.76,"confidence":0.99960154,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.09075453877449036},{"word":"one","start":1443.76,"end":1444.0,"confidence":0.9997229,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.07030235975980759},{"word":"other","start":1444.0,"end":1444.24,"confidence":0.9994912,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.08389759808778763},{"word":"form","start":1444.24,"end":1444.56,"confidence":0.998467,"punctuated_word":"form","sentiment":"neutral","sentiment_score":0.05775696411728859},{"word":"at","start":1444.56,"end":1444.7201,"confidence":0.9995283,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.07270942628383636},{"word":"the","start":1444.7201,"end":1444.88,"confidence":0.99973637,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09282385557889938},{"word":"bottom","start":1444.88,"end":1445.2001,"confidence":0.99990726,"punctuated_word":"bottom","sentiment":"neutral","sentiment_score":0.08661217987537384},{"word":"there","start":1445.2001,"end":1445.4401,"confidence":0.9989672,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.10916159301996232},{"word":"as","start":1445.4401,"end":1445.6001,"confidence":0.99982786,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13520535826683044},{"word":"well","start":1445.6001,"end":1446.1001,"confidence":0.99755573,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.1032332479953766},{"word":"there's","start":1446.4,"end":1446.7201,"confidence":0.9945948,"punctuated_word":"There's","sentiment":"neutral","sentiment_score":0.08962395787239075},{"word":"a","start":1446.7201,"end":1446.88,"confidence":0.9942768,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11460085958242416},{"word":"tax","start":1446.88,"end":1447.2001,"confidence":0.97892326,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.10051077604293825},{"word":"file","start":1447.2001,"end":1447.52,"confidence":0.9642688,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.0695168673992157},{"word":"number","start":1447.52,"end":1447.8401,"confidence":0.99939024,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.08774617314338684},{"word":"opt","start":1447.8401,"end":1448.16,"confidence":0.9352277,"punctuated_word":"opt","sentiment":"neutral","sentiment_score":0.0794467031955719},{"word":"in","start":1448.16,"end":1448.4,"confidence":0.9964684,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08290340006351471},{"word":"form","start":1448.4,"end":1448.9,"confidence":0.800509,"punctuated_word":"form.","sentiment":"neutral","sentiment_score":0.09118324518203735},{"word":"just","start":1449.735,"end":1449.975,"confidence":0.98899055,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.0923869162797928},{"word":"with","start":1449.975,"end":1450.295,"confidence":0.999838,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.049030184745788574},{"word":"the","start":1450.295,"end":1450.775,"confidence":0.99898547,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.03781949356198311},{"word":"cybersecurity","start":1450.775,"end":1451.275,"confidence":0.8095952,"punctuated_word":"cybersecurity","sentiment":"neutral","sentiment_score":0.022480346262454987},{"word":"issues","start":1451.5751,"end":1451.895,"confidence":0.99450016,"punctuated_word":"issues","sentiment":"neutral","sentiment_score":0.028840340673923492},{"word":"of","start":1451.895,"end":1452.395,"confidence":0.8141457,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.026809051632881165},{"word":"people's","start":1452.535,"end":1452.855,"confidence":0.89083624,"punctuated_word":"people's","sentiment":"neutral","sentiment_score":0.045325227081775665},{"word":"data","start":1452.855,"end":1453.175,"confidence":0.9989496,"punctuated_word":"data","sentiment":"neutral","sentiment_score":0.02519877254962921},{"word":"being","start":1453.175,"end":1453.415,"confidence":0.99659085,"punctuated_word":"being","sentiment":"neutral","sentiment_score":0.04195169359445572},{"word":"leaked","start":1453.415,"end":1453.735,"confidence":0.795239,"punctuated_word":"leaked","sentiment":"neutral","sentiment_score":0.020034823566675183},{"word":"last","start":1453.735,"end":1453.895,"confidence":0.99931204,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.05801284685730934},{"word":"year","start":1453.895,"end":1454.135,"confidence":0.9997886,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.07850658893585205},{"word":"across","start":1454.135,"end":1454.535,"confidence":0.9991334,"punctuated_word":"across","sentiment":"neutral","sentiment_score":0.08337149769067764},{"word":"the","start":1454.535,"end":1454.6951,"confidence":0.9985416,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1071360558271408},{"word":"country","start":1454.6951,"end":1455.1951,"confidence":0.97650075,"punctuated_word":"country,","sentiment":"neutral","sentiment_score":0.11335384100675584},{"word":"we","start":1455.415,"end":1455.655,"confidence":0.9990596,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15064029395580292},{"word":"just","start":1455.655,"end":1455.8151,"confidence":0.99967575,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1740381270647049},{"word":"wanna","start":1455.8151,"end":1456.135,"confidence":0.7224433,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.17649073898792267},{"word":"make","start":1456.135,"end":1456.295,"confidence":0.9982827,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.12144438922405244},{"word":"sure","start":1456.295,"end":1456.535,"confidence":0.9995097,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.11229202151298524},{"word":"that","start":1456.535,"end":1456.6951,"confidence":0.7418382,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16992586851119995},{"word":"we","start":1456.6951,"end":1456.855,"confidence":0.97449535,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.15525758266448977},{"word":"keep","start":1456.855,"end":1457.175,"confidence":0.9842553,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.17599990963935852},{"word":"tax","start":1457.175,"end":1457.495,"confidence":0.9904308,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.15470823645591736},{"word":"file","start":1457.495,"end":1457.655,"confidence":0.79842466,"punctuated_word":"file","sentiment":"neutral","sentiment_score":0.10881848633289336},{"word":"numbers","start":1457.655,"end":1458.055,"confidence":0.99834573,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.14235875010490415},{"word":"on","start":1458.055,"end":1458.215,"confidence":0.99888843,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.13073882460594177},{"word":"one","start":1458.215,"end":1458.455,"confidence":0.99983656,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.16404792666435242},{"word":"document","start":1458.455,"end":1458.935,"confidence":0.9993364,"punctuated_word":"document","sentiment":"neutral","sentiment_score":0.12448770552873611},{"word":"instead","start":1458.935,"end":1459.255,"confidence":0.9801002,"punctuated_word":"instead","sentiment":"neutral","sentiment_score":0.1298755258321762},{"word":"of","start":1459.255,"end":1459.5751,"confidence":0.9989754,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12732799351215365},{"word":"a","start":1459.5751,"end":1459.655,"confidence":0.9818879,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.12667304277420044},{"word":"a","start":1459.655,"end":1459.735,"confidence":0.56720674,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16086190938949585},{"word":"dozen","start":1459.735,"end":1460.055,"confidence":0.99895096,"punctuated_word":"dozen","sentiment":"neutral","sentiment_score":0.1264251172542572},{"word":"different","start":1460.055,"end":1460.375,"confidence":0.99918276,"punctuated_word":"different","sentiment":"neutral","sentiment_score":0.06809891760349274},{"word":"digital","start":1460.375,"end":1460.855,"confidence":0.99902844,"punctuated_word":"digital","sentiment":"neutral","sentiment_score":0.04422595724463463},{"word":"systems","start":1460.855,"end":1461.355,"confidence":0.9894178,"punctuated_word":"systems.","sentiment":"neutral","sentiment_score":0.10668201744556428},{"word":"so","start":1461.495,"end":1461.63,"confidence":0.82521707,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.13391731679439545},{"word":"i","start":1461.79,"end":1461.87,"confidence":0.6107497,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16867715120315552},{"word":"just","start":1461.87,"end":1462.03,"confidence":0.9998281,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1327342391014099},{"word":"wanna","start":1462.03,"end":1462.11,"confidence":0.71208054,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.1811981201171875},{"word":"make","start":1462.11,"end":1462.35,"confidence":0.9974516,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.10771896690130234},{"word":"sure","start":1462.35,"end":1462.51,"confidence":0.9998228,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.11949869245290756},{"word":"that","start":1462.51,"end":1462.59,"confidence":0.9992908,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17608816921710968},{"word":"we","start":1462.59,"end":1462.75,"confidence":0.9998523,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.16733554005622864},{"word":"can","start":1462.75,"end":1462.91,"confidence":0.99966013,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.17771755158901217},{"word":"get","start":1462.91,"end":1463.07,"confidence":0.9997844,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.13273794949054718},{"word":"your","start":1463.07,"end":1463.31,"confidence":0.73212963,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1630655825138092},{"word":"consent","start":1463.31,"end":1463.81,"confidence":0.99976116,"punctuated_word":"consent","sentiment":"neutral","sentiment_score":0.15799251198768616},{"word":"to","start":1463.87,"end":1464.37,"confidence":0.9801736,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.21964281797409055},{"word":"of","start":1464.43,"end":1464.59,"confidence":0.99893564,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.26808738708496094},{"word":"course","start":1464.59,"end":1464.83,"confidence":0.9979378,"punctuated_word":"course,","sentiment":"neutral","sentiment_score":0.2315310537815094},{"word":"utilize","start":1464.83,"end":1465.33,"confidence":0.99705696,"punctuated_word":"utilize","sentiment":"neutral","sentiment_score":0.1600966453552246},{"word":"that","start":1465.39,"end":1465.63,"confidence":0.9994766,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2334151268005371},{"word":"number","start":1465.63,"end":1465.87,"confidence":0.99981934,"punctuated_word":"number","sentiment":"neutral","sentiment_score":0.18708671629428864},{"word":"for","start":1465.87,"end":1466.11,"confidence":0.9986971,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2223438322544098},{"word":"your","start":1466.11,"end":1466.35,"confidence":0.99931157,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.20248441398143768},{"word":"applications","start":1466.35,"end":1466.85,"confidence":0.89018136,"punctuated_word":"applications","sentiment":"neutral","sentiment_score":0.144511878490448},{"word":"and","start":1467.07,"end":1467.23,"confidence":0.91770387,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1350453943014145},{"word":"so","start":1467.23,"end":1467.39,"confidence":0.94870543,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1375676691532135},{"word":"on","start":1467.39,"end":1467.89,"confidence":0.99768233,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":0.09337916970252992},{"word":"oh","start":1483.865,"end":1484.0249,"confidence":0.7666115,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.14106938242912292},{"word":"you","start":1484.0249,"end":1484.1849,"confidence":0.99921787,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1148618534207344},{"word":"don't","start":1484.1849,"end":1484.345,"confidence":0.9999191,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.10806357860565186},{"word":"have","start":1484.345,"end":1484.505,"confidence":0.99981815,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.07031076401472092},{"word":"to","start":1484.505,"end":1484.6649,"confidence":0.9966133,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.05615825206041336},{"word":"sign","start":1484.6649,"end":1484.825,"confidence":0.9323769,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.010813795030117037},{"word":"it","start":1484.825,"end":1484.985,"confidence":0.99748874,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1024387627840042},{"word":"now","start":1484.985,"end":1485.1449,"confidence":0.99840343,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.11122748255729677},{"word":"i","start":1485.1449,"end":1485.225,"confidence":0.9996524,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1560399830341339},{"word":"just","start":1485.225,"end":1485.3849,"confidence":0.999783,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1428682655096054},{"word":"wanted","start":1485.3849,"end":1485.625,"confidence":0.9652927,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.11719050258398056},{"word":"to","start":1485.625,"end":1485.705,"confidence":0.9985513,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16448689997196198},{"word":"see","start":1485.705,"end":1485.865,"confidence":0.9981141,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.14808663725852966},{"word":"if","start":1485.865,"end":1486.0249,"confidence":0.999613,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.16683903336524963},{"word":"it","start":1486.0249,"end":1486.105,"confidence":0.99885404,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.2515230178833008},{"word":"came","start":1486.105,"end":1486.345,"confidence":0.9989405,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.21708625555038452},{"word":"through","start":1486.345,"end":1486.585,"confidence":0.9984773,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1919237524271011},{"word":"okay","start":1486.585,"end":1487.07,"confidence":0.91642475,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.20007848739624023},{"word":"if","start":1487.07,"end":1487.23,"confidence":0.98959523,"punctuated_word":"If","sentiment":"neutral","sentiment_score":0.14678546786308289},{"word":"you","start":1487.23,"end":1487.3899,"confidence":0.99983835,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.12637385725975037},{"word":"wanna","start":1487.3899,"end":1487.5499,"confidence":0.80955344,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.15882806479930878},{"word":"give","start":1487.5499,"end":1487.63,"confidence":0.9960156,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.12798848748207092},{"word":"that","start":1487.63,"end":1487.87,"confidence":0.9978119,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16670987010002136},{"word":"a","start":1487.87,"end":1487.95,"confidence":0.99888486,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11700937151908876},{"word":"bit","start":1487.95,"end":1488.19,"confidence":0.999363,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.14720770716667175},{"word":"of","start":1488.19,"end":1488.2699,"confidence":0.9996208,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17634862661361694},{"word":"a","start":1488.2699,"end":1488.4299,"confidence":0.99581087,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1579756885766983},{"word":"read","start":1488.4299,"end":1488.83,"confidence":0.9644309,"punctuated_word":"read,","sentiment":"neutral","sentiment_score":0.13522596657276154},{"word":"mate","start":1488.83,"end":1489.1499,"confidence":0.934834,"punctuated_word":"mate,","sentiment":"neutral","sentiment_score":0.18995609879493713},{"word":"i'll","start":1489.1499,"end":1489.3899,"confidence":0.99896485,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1974339336156845},{"word":"check","start":1489.3899,"end":1489.63,"confidence":0.99902964,"punctuated_word":"check","sentiment":"neutral","sentiment_score":0.16155055165290833},{"word":"it","start":1489.63,"end":1490.0299,"confidence":0.99948454,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13681171834468842},{"word":"tomorrow","start":1490.0299,"end":1490.5099,"confidence":0.842395,"punctuated_word":"tomorrow.","sentiment":"neutral","sentiment_score":0.149541974067688},{"word":"and","start":1490.5099,"end":1490.75,"confidence":0.99480295,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11823152005672456},{"word":"if","start":1490.75,"end":1490.9099,"confidence":0.9966239,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.10709516704082488},{"word":"we","start":1490.9099,"end":1491.07,"confidence":0.9997601,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08555006980895996},{"word":"need","start":1491.07,"end":1491.3099,"confidence":0.99984825,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.05920574814081192},{"word":"to","start":1491.3099,"end":1491.47,"confidence":0.99610555,"punctuated_word":"to,","sentiment":"neutral","sentiment_score":0.09157565236091614},{"word":"we'll","start":1491.47,"end":1491.63,"confidence":0.9789119,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.11553631722927094},{"word":"just","start":1491.63,"end":1491.87,"confidence":0.99837625,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15323345363140106},{"word":"give","start":1491.87,"end":1492.0299,"confidence":0.99781007,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.1205865666270256},{"word":"you","start":1492.0299,"end":1492.1099,"confidence":0.9933896,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1676599681377411},{"word":"a","start":1492.1099,"end":1492.19,"confidence":0.95796126,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14792558550834656},{"word":"buzz","start":1492.19,"end":1492.35,"confidence":0.9733749,"punctuated_word":"buzz","sentiment":"neutral","sentiment_score":0.16113266348838806},{"word":"next","start":1492.35,"end":1492.6699,"confidence":0.99693704,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.07206415385007858},{"word":"week","start":1492.6699,"end":1493.1699,"confidence":0.9975343,"punctuated_word":"week.","sentiment":"neutral","sentiment_score":0.09200921654701232},{"word":"amazing","start":1495.7899,"end":1496.2899,"confidence":0.98770213,"punctuated_word":"Amazing.","sentiment":"positive","sentiment_score":0.6234121322631836},{"word":"alright","start":1496.5099,"end":1496.83,"confidence":0.9608723,"punctuated_word":"Alright,","sentiment":"neutral","sentiment_score":0.26945239305496216},{"word":"jeff","start":1496.83,"end":1497.07,"confidence":0.9239167,"punctuated_word":"Jeff.","sentiment":"neutral","sentiment_score":0.029292402788996696},{"word":"mate","start":1497.07,"end":1497.3099,"confidence":0.933318,"punctuated_word":"Mate,","sentiment":"positive","sentiment_score":0.6112065315246582},{"word":"i","start":1497.3099,"end":1497.47,"confidence":0.99977,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.8122441172599792},{"word":"do","start":1497.47,"end":1497.63,"confidence":0.99955624,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.8449493646621704},{"word":"appreciate","start":1497.63,"end":1498.0299,"confidence":0.9998776,"punctuated_word":"appreciate","sentiment":"positive","sentiment_score":0.7870116829872131},{"word":"you","start":1498.0299,"end":1498.19,"confidence":0.9785003,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.8287907838821411},{"word":"taking","start":1498.19,"end":1498.5099,"confidence":0.9852372,"punctuated_word":"taking","sentiment":"positive","sentiment_score":0.8855619430541992},{"word":"the","start":1498.5099,"end":1498.59,"confidence":0.90195906,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.8447072505950928},{"word":"time","start":1498.59,"end":1498.9099,"confidence":0.99992573,"punctuated_word":"time","sentiment":"positive","sentiment_score":0.799326479434967},{"word":"and","start":1498.9099,"end":1499.1499,"confidence":0.9543938,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7931457161903381},{"word":"going","start":1499.1499,"end":1499.3899,"confidence":0.9979025,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.8570419549942017},{"word":"through","start":1499.3899,"end":1499.63,"confidence":0.9955571,"punctuated_word":"through","sentiment":"positive","sentiment_score":0.7557486891746521},{"word":"all","start":1499.63,"end":1499.71,"confidence":0.9950453,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.7322080731391907},{"word":"the","start":1499.71,"end":1499.87,"confidence":0.9954454,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.6921552419662476},{"word":"details","start":1499.87,"end":1500.2699,"confidence":0.9997038,"punctuated_word":"details","sentiment":"positive","sentiment_score":0.6748692393302917},{"word":"with","start":1500.2699,"end":1500.4299,"confidence":0.99950373,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.6603348851203918},{"word":"me","start":1500.4299,"end":1500.59,"confidence":0.99979514,"punctuated_word":"me","sentiment":"positive","sentiment_score":0.7828359603881836},{"word":"again","start":1500.59,"end":1500.75,"confidence":0.9642704,"punctuated_word":"again","sentiment":"positive","sentiment_score":0.7519800662994385},{"word":"and","start":1500.75,"end":1500.99,"confidence":0.5925857,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5774067044258118},{"word":"just","start":1500.99,"end":1501.1499,"confidence":0.9993531,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.6359421610832214},{"word":"make","start":1501.1499,"end":1501.3099,"confidence":0.95252883,"punctuated_word":"make","sentiment":"positive","sentiment_score":0.4675139188766479},{"word":"sure","start":1501.3099,"end":1501.5499,"confidence":0.9996226,"punctuated_word":"sure","sentiment":"positive","sentiment_score":0.5148199796676636},{"word":"that","start":1501.5499,"end":1501.7899,"confidence":0.9979572,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5651479959487915},{"word":"everything","start":1501.7899,"end":1502.0299,"confidence":0.92630243,"punctuated_word":"everything","sentiment":"positive","sentiment_score":0.7122377157211304},{"word":"on","start":1502.0299,"end":1502.265,"confidence":0.75234807,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.7000055909156799},{"word":"system","start":1502.345,"end":1502.665,"confidence":0.7916121,"punctuated_word":"system","sentiment":"positive","sentiment_score":0.6886050701141357},{"word":"is","start":1502.665,"end":1502.905,"confidence":0.9980994,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.6420767903327942},{"word":"perfectly","start":1502.905,"end":1503.385,"confidence":0.999395,"punctuated_word":"perfectly","sentiment":"positive","sentiment_score":0.6563463807106018},{"word":"up","start":1503.385,"end":1503.545,"confidence":0.9982607,"punctuated_word":"up","sentiment":"positive","sentiment_score":0.6050798892974854},{"word":"to","start":1503.545,"end":1503.625,"confidence":0.98635256,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7228748202323914},{"word":"date","start":1503.625,"end":1504.125,"confidence":0.99764776,"punctuated_word":"date.","sentiment":"positive","sentiment_score":0.600374698638916},{"word":"anything","start":1504.505,"end":1504.8251,"confidence":0.85596853,"punctuated_word":"Anything","sentiment":"neutral","sentiment_score":0.22300928831100464},{"word":"else","start":1504.8251,"end":1505.0651,"confidence":0.9999021,"punctuated_word":"else","sentiment":"neutral","sentiment_score":0.28382593393325806},{"word":"for","start":1505.0651,"end":1505.225,"confidence":0.9751857,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2435450702905655},{"word":"me","start":1505.225,"end":1505.385,"confidence":0.99980754,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2399761527776718},{"word":"before","start":1505.385,"end":1505.625,"confidence":0.9989297,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.18480700254440308},{"word":"i","start":1505.625,"end":1505.705,"confidence":0.9996499,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13962316513061523},{"word":"let","start":1505.705,"end":1505.865,"confidence":0.9995634,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.20334061980247495},{"word":"you","start":1505.865,"end":1506.025,"confidence":0.9954159,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25811225175857544},{"word":"go","start":1506.025,"end":1506.525,"confidence":0.99768955,"punctuated_word":"go?","sentiment":"neutral","sentiment_score":0.2842474579811096},{"word":"awesome","start":1509.545,"end":1510.025,"confidence":0.9954084,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.7485823631286621},{"word":"we'll","start":1510.025,"end":1510.265,"confidence":0.970655,"punctuated_word":"We'll","sentiment":"positive","sentiment_score":0.49106383323669434},{"word":"give","start":1510.265,"end":1510.425,"confidence":0.9998547,"punctuated_word":"give","sentiment":"positive","sentiment_score":0.5390183925628662},{"word":"you","start":1510.425,"end":1510.505,"confidence":0.9997819,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5552796721458435},{"word":"a","start":1510.505,"end":1510.585,"confidence":0.9921004,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.45649254322052},{"word":"call","start":1510.585,"end":1510.8251,"confidence":0.99944836,"punctuated_word":"call","sentiment":"positive","sentiment_score":0.3742585778236389},{"word":"in","start":1510.8251,"end":1510.905,"confidence":0.9870422,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.26096996665000916},{"word":"a","start":1510.905,"end":1510.985,"confidence":0.99703383,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.43566638231277466},{"word":"couple","start":1510.985,"end":1511.225,"confidence":0.99988353,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.23488615453243256},{"word":"of","start":1511.225,"end":1511.385,"confidence":0.994695,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.44409212470054626},{"word":"weeks","start":1511.385,"end":1511.625,"confidence":0.999818,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.3142107129096985},{"word":"to","start":1511.625,"end":1511.785,"confidence":0.9992176,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2851991057395935},{"word":"book","start":1511.785,"end":1511.9451,"confidence":0.9919916,"punctuated_word":"book","sentiment":"positive","sentiment_score":0.4134569764137268},{"word":"back","start":1511.9451,"end":1512.185,"confidence":0.999183,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.4558342397212982},{"word":"in","start":1512.185,"end":1512.345,"confidence":0.99913543,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.4458068907260895},{"word":"with","start":1512.345,"end":1512.585,"confidence":0.99973994,"punctuated_word":"with","sentiment":"positive","sentiment_score":0.435927152633667},{"word":"me","start":1512.585,"end":1512.985,"confidence":0.99687946,"punctuated_word":"me.","sentiment":"positive","sentiment_score":0.5589120388031006},{"word":"i'll","start":1512.985,"end":1513.225,"confidence":0.99941486,"punctuated_word":"I'll","sentiment":"positive","sentiment_score":0.33624356985092163},{"word":"do","start":1513.225,"end":1513.465,"confidence":0.9985448,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.36458542943000793},{"word":"all","start":1513.465,"end":1513.625,"confidence":0.99615026,"punctuated_word":"all","sentiment":"positive","sentiment_score":0.3743415176868438},{"word":"the","start":1513.625,"end":1513.785,"confidence":0.99795204,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3895140290260315},{"word":"research","start":1513.785,"end":1514.185,"confidence":0.9985794,"punctuated_word":"research","sentiment":"positive","sentiment_score":0.34921956062316895},{"word":"and","start":1514.185,"end":1514.345,"confidence":0.9962022,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3112703561782837},{"word":"documentation","start":1514.345,"end":1514.845,"confidence":0.9990551,"punctuated_word":"documentation","sentiment":"positive","sentiment_score":0.39141419529914856},{"word":"in","start":1515.0651,"end":1515.145,"confidence":0.9194439,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2494564652442932},{"word":"the","start":1515.145,"end":1515.385,"confidence":0.9992316,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3607966899871826},{"word":"background","start":1515.385,"end":1515.885,"confidence":0.8317296,"punctuated_word":"background.","sentiment":"neutral","sentiment_score":0.32630622386932373},{"word":"and","start":1516.2799,"end":1516.44,"confidence":0.89909744,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.19338667392730713},{"word":"again","start":1516.44,"end":1516.6799,"confidence":0.9998794,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.2028556913137436},{"word":"i'll","start":1516.6799,"end":1516.9199,"confidence":0.9994801,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.31537115573883057},{"word":"let","start":1516.9199,"end":1517.1599,"confidence":0.9975763,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.3593113422393799},{"word":"the","start":1517.1599,"end":1517.24,"confidence":0.99855345,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3119429349899292},{"word":"team","start":1517.24,"end":1517.48,"confidence":0.9995859,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.3087172210216522},{"word":"know","start":1517.48,"end":1517.6399,"confidence":0.97676384,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.3297690451145172},{"word":"to","start":1517.6399,"end":1517.72,"confidence":0.9316783,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2721647322177887},{"word":"give","start":1517.72,"end":1517.88,"confidence":0.999648,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.29651880264282227},{"word":"you","start":1517.88,"end":1518.0399,"confidence":0.99904007,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3603247404098511},{"word":"a","start":1518.0399,"end":1518.12,"confidence":0.9937318,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3826103210449219},{"word":"text","start":1518.12,"end":1518.36,"confidence":0.99956053,"punctuated_word":"text","sentiment":"positive","sentiment_score":0.4118504524230957},{"word":"ahead","start":1518.36,"end":1518.6,"confidence":0.999361,"punctuated_word":"ahead","sentiment":"neutral","sentiment_score":0.2674176096916199},{"word":"of","start":1518.6,"end":1518.76,"confidence":0.99855155,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3533714711666107},{"word":"time","start":1518.76,"end":1519.26,"confidence":0.9996989,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":0.30647146701812744},{"word":"thanks","start":1521.7999,"end":1522.12,"confidence":0.99417686,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.7698928117752075},{"word":"mate","start":1522.12,"end":1522.2799,"confidence":0.9950625,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.7459010481834412},{"word":"you","start":1522.2799,"end":1522.44,"confidence":0.98519135,"punctuated_word":"You","sentiment":"positive","sentiment_score":0.8469349145889282},{"word":"have","start":1522.44,"end":1522.6,"confidence":0.98387504,"punctuated_word":"have","sentiment":"positive","sentiment_score":0.8271830677986145},{"word":"a","start":1522.6,"end":1522.6799,"confidence":0.9965913,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.8052268028259277},{"word":"fantastic","start":1522.6799,"end":1523.08,"confidence":0.99985266,"punctuated_word":"fantastic","sentiment":"positive","sentiment_score":0.8585287928581238},{"word":"day","start":1523.08,"end":1523.24,"confidence":0.89178556,"punctuated_word":"day,","sentiment":"positive","sentiment_score":0.7693435549736023},{"word":"and","start":1523.24,"end":1523.3999,"confidence":0.9984327,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.8154789209365845},{"word":"we'll","start":1523.3999,"end":1523.48,"confidence":0.75823665,"punctuated_word":"we'll","sentiment":"positive","sentiment_score":0.7791565656661987},{"word":"talk","start":1523.48,"end":1523.6399,"confidence":0.95432115,"punctuated_word":"talk","sentiment":"positive","sentiment_score":0.7594902515411377},{"word":"to","start":1523.6399,"end":1523.72,"confidence":0.6890976,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7354373335838318},{"word":"you","start":1523.72,"end":1523.7999,"confidence":0.9982249,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.6214563250541687},{"word":"in","start":1523.7999,"end":1523.88,"confidence":0.9824969,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.5209017992019653},{"word":"a","start":1523.88,"end":1523.96,"confidence":0.9738461,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6853346824645996},{"word":"couple","start":1523.96,"end":1524.2,"confidence":0.9992699,"punctuated_word":"couple","sentiment":"positive","sentiment_score":0.4902236759662628},{"word":"of","start":1524.2,"end":1524.2799,"confidence":0.9961175,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.6583131551742554},{"word":"weeks","start":1524.2799,"end":1524.6,"confidence":0.7913172,"punctuated_word":"weeks.","sentiment":"positive","sentiment_score":0.6655490398406982},{"word":"thanks","start":1524.6,"end":1525.1,"confidence":0.920489,"punctuated_word":"Thanks,","sentiment":"positive","sentiment_score":0.7211687564849854},{"word":"jeff","start":1528.12,"end":1528.44,"confidence":0.98039544,"punctuated_word":"Jeff.","sentiment":"positive","sentiment_score":0.6806403398513794},{"word":"bye","start":1528.44,"end":1528.94,"confidence":0.99754846,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.1204197108745575}],"paragraphs":{"transcript":"\nGood evening, Jeffrey. It's Tommy here, senior adviser from. How are you going? I'm doing absolutely fantastic today. Thank you for asking.\n\nMate, I'll just give you a call to go through this annual review with you if you still have time. Perfect. Now I'm gonna shoot through an annual review pack to your email. Do you mind if I just quickly confirm security with you? Perfect.\n\nSo the calls are recorded for training and quality purposes. We don't have a security question on file. So could you please confirm your date of birth and address, please? Thank you so much for that, sir. I have your email down as jeffwilka@gmail.com.\n\nIs it okay if I shoot it through to that? Awesome. Will you be able to look on to this email with me today, or do you want me to just kind of walk you through what documents are coming through? Yep. No worries.\n\nSo what's gonna pop through is you've got an updated performance report for your Netwealth Super as well as a financial services guide because we update, like, our licensing details every year, complaints, procedure, privacy policy, and so on. It also includes an updated service agreement as well if you're still happy with the services at the end of the review, and I'm gonna pop that through to you now. But is there anything in particular that you're hoping to get out of this year's review? I was having a pretty close look at this over the last couple of weeks. And with the stock market going pretty crazy, I was a bit worried about your risk level, but you've actually the super has grown from just over 80,000 to 89,000 as of today.\n\nSo it's done pretty well. Just to quickly go over performance with you because that's one thing I wanted to just really touch on with you today, and then I'm gonna update a few details. But most of the investment options that you've been having in your portfolio, because there's about eight or nine of them that we've put together for you, they've all had pretty solid double digit growth for the year. Only some cybersecurity shares went down 3%, but mostly everything's been going up about 14 to 16%. And you possibly would have gotten an email over the last few months about a a record of advice or an ROI.\n\nDo you remember seeing that come through? Yep. So just to let you know what happened there, one of the investment options was flagged company wide. You had two Australian shares options. One was BetaShares, one was Benelon.\n\nBetaShares is doing fantastic, but that Benelon option, we flagged some significant underperformance the last couple of years, and we made a decision on the licensee level to replace that option across all clients. So normally, what would happen is if we go through a review and we wanna update your portfolio, we probably have a bit of a chat and go through another statement of advice and just show you what we're looking to change. But this one, we were just worried about it being quite a lot more volatile than all the other Australian shares options. So that one was dropping about 14%, which was pretty heavy. We pushed it out for another Australian share ETF, and it's already jumped up another 3% to kind of make that back.\n\nAnd so it's really, you know, that as far as I can see it, if we were to maintain the same risk level, everything's looking pretty good across the whole portfolio now. Thanks. So I guess in percentage terms, because we usually compare this in percentage, it's been just under an 11% return after fees, and that's that 80 to 89,000. Cool. Now when I'm looking at it, though, because you've got about 20% sorry, 25% in fixed interest, which is kind of like your term deposits, your safer investment, and the rest of it is split between, like, shares, property, gold, and infrastructure.\n\nThere's your growth assets. So it's kind of a seventy five twenty five split. Does that make sense? Yep. Yeah.\n\nAnd when I look at most of these options, because they're kind of index funds, they're pretty stable across the board. They're, I guess, what you would call like a low risk version version of shares, whereas you can go for some pretty high risk versions of the same investments. Now because of the way I can see that asset allocation at the moment, if you were wanting a pretty conservative portfolio, you know, like 80% safe, 20% high risk, I would probably actually look at switching a few things around and bringing the risk. Yep. Yep.\n\nNow to kind of make a recommendation there, I'll definitely do a bit of an updated portfolio for you. One thing I wanted to just check was the the main purpose for the super because I can see that you were on, I guess, that, like, disability support pension with a bit of kind of cash in the bank and you've got the mortgage paid off. Is that right? Yep. So what would be, like, the main purpose for the super for the next few years for you?\n\nIs it just to get, like, a a bit of safe growth out of it and you're wanting to access it to fund? Yeah. The tricky situation that we've got is because of everything that's going on in the world at the moment, the projections going forward for a lot of asset classes is quite far down. So your current risk level, I would describe it as like a three and a half out of five. It's a little bit above medium risk.\n\nThat's still aiming for around about that nine to 10% average return. But then again, usually recommended for someone who's not gonna access the food for about six or seven years. So what I'm sort of thinking is if we still want to aim for that level of return, we could possibly reduce the risk level by about, like, one one point, put you down to, like, a two and a half or a three. That might get you maybe an 8% average or 9% average. The one thing I was worried about is we kind of left it the way it was trying to hunt for the higher returns.\n\nIf this situation turns into a really big crash, you could be sitting there at 65,000 next year and then having to wait five years for it to build back up. Yes. It doesn't sound like it'd be a fun ride for you, especially just given when you're looking to access it. Yeah. So usually when we get closer to retirement, we slowly reduce it down every year or two.\n\nSo from that 75% down to about seventy, sixty, fifty, forty. So if you want to go middle of the road, I can drop it from 75 to 70%. Or if you want to go a little bit safer, I can drop it to 60. Just want to kind of gauge your thoughts. Yep.\n\nSo go just a tiny bit more growth focus. Yep. I think so. K. That's perfect.\n\nI can do that. No worries at all. Just in terms of those assets, I think we had the home valued at about 1,000,000 flat with nothing owing on it and about 140 in a high interest savings account. Yep. Cool.\n\nSo all that's still stable there. You're just kind of living off the pension at the moment, not dipping into the capital. Yeah. Yep. Perfect.\n\nPerfect. So one thing I wanna double check with you then is with the 140,000 you have in savings, is that in, like, a high interest savings account or, like, a locked away term deposit? Yep. And is that maturing relatively soon, or is that still locked away until '20 '20 '7? July.\n\nOkay. Perfect. And then as far as the cars go, we had the whole Holden Colorado there at about 22,000. Is there a second vehicle in there? Yep.\n\nPerfect. Any other assets or loans or anything floating around? Amazing. Don't have a million dollars of crypto sitting under the pillow or anything like that. Yeah.\n\nMay maybe leave that for the person who can stand to wait twenty years for it to go up if it crashes 90%, that kind of thing. Perfect. I had a couple of last thoughts when it came to the super there, and then I'm just gonna double check a couple of other detail. But your super is currently in, like, an accumulation account where it's still in the super space. It's not technically in a pension account yet because you're not drawing down, if that makes sense.\n\nNow I was looking at your, like, estate planning, and we had Carly and William listed as your beneficiaries for the super. Yeah. Just as I'm but are they, like, partner, adult children? What's their relation? Perfect.\n\nAnd they're all over 18? Yep. So the only other thoughts I had was two things, and these are not necessities. It's just ideas here. Is if you put your super into a pension account, all of the earnings that it grows for the interest, it all turns into tax free instead of the usual 15% concessional rate.\n\nWhat it does, however, is once you convert it into a pension account, you have to draw down a minimum of 4% out of the super account. So it would be, I guess, the optimal scenario would be if we put it pretty much all in a pension account to increase the earnings tax free. You would have a little bit coming out. And if you didn't need to use the funds, we could actually recontribute it back in and kind of just recycle it a little bit. And that also means that anything that we put back in goes in as non concessional, which means it's tax free for your beneficiaries.\n\nThey wouldn't pay that kind of 15% tax or 17% when they received it. So I just wanted to kind of float the idea with you. K. One other thing that I kind of wanna try to is if I'm looking in Netwealth account at the moment, just because of your state of life, it gives you a full breakdown of what your taxable component is, which is at 17% for estate purposes versus your tax free component. Now 87,000 of your 89 is sitting in taxable.\n\nSo if you were to pass away tomorrow, that's the majority of the contract. We can actually do something called a cash out recontribution if you're comfortable to do this with us. And what it basically is is we could pull out, say, 80,000 and put it back in within a day or two, and that would essentially wash 90% of the funds back into a tax free portion for your children. So if you're comfortable to kind of go through that ride with me, there wouldn't be too much for you to do. I would basically update your portfolio to be a bit more conservative.\n\nWe would then set up your pension account, do a little withdrawal, and then you just have to put it back in again via, like, a BPAY or EFT, and we would handle all the rest in the background. Would you be comfortable to kind of I'll put that in writing so it's in plan for you, but would you be comfortable possibly doing that with us as a bit of a one off strategy? Cool. I'll definitely crunch some numbers and sort of see how it would be best to do that and go through that updated advice document with you in a few weeks' time just to show you what I'm changing with the investments and also how to go about doing that, and we'll pretty much hold your hand along the whole whole time. And the last thing I wanted to check was because you're on disability support pension, would you be essentially classed by the doctors as, say, only and permanently disabled by TBD, or is it just kind of middle ground in between?\n\nYes. Perfect. So the I guess the last question there is when you had that situation occurring and you stopped working, what were you actually doing for work at the time? Yep. And you would have had to do a bit of, like, traveling around, like, travel salesman type thing?\n\nOr yep. So I guess why I'm kind of going down this route too is that because we're in this situation where I'm kind of optimizing your estate planning, you can also potentially click on, like, a TBD status on the super, and that'll give you, like, a tax free up to list to convert your funds as well. It would be a lot more paperwork in terms of doctors' reports, filling out heaps of forms, and all that kind of thing, which I can pretty much achieve just by doing that repontribution with the pension I mentioned. But it would kind of give you that last little little optimization there. It would be a decent amount of work for a little gain, but it's, I guess, what I would say is the most optimal situation.\n\nSo I just wanted to run it by you if that's yeah. That's okay. I just had to ask the question then. Yep. So I'll leave that out, and we'll just do the pension.\n\nPension. Haven't changed address. Haven't changed family status. And the last thing was in terms of, like, a will, you did have a will in place, so I think you were going to update at some point. It was getting a little bit old.\n\nDid you end up doing that? Or Yep. And when it comes to the will, I I know it might be a bit hard to think back several years, but do you know if you have, like, a power of attorney put in place if you remember what that does? Yeah. And it's just one of those things that allows, like, why you're still alive.\n\nLike, let's say you're in a coma. Someone can talk to the doctors on your behalf and also, like, manage bank accounts, make sure bills are paid, things like that without having to go to court to sue for probate. So if you think that would be valuable to have someone trusted there to look after things if you were incapacitated. Yep. So I would just kind of suggest if you're gonna update the will, maybe see if you can get one of those added on.\n\nAnd look, worst case scenario, you can get one of those power of attorney kits from the post office, from the government, like, 25. Or if you go to, like, your lawyer, take the will, there's heaps of different options there. Cool. So that's pretty much it for most of that. Any questions so far?\n\nAnd I've kind of bombarded you with a bit of technical info today. Mhmm. Okay. Goals wise, I think you were looking to go on a bit of a cruise at some point. I don't know if that was quite an old goal.\n\nIs that still current? Yep. Done. And the last thing there is when it comes to your term deposit maturing, do you want me to factor any of those funds in to this contribution plan with the super, or would you prefer to kind of still keep them separate? Yeah.\n\nAnd just roll it on for the next year. I think the interest rates are up higher now. Yep. Perfect. Alrighty.\n\nMate, that's pretty much everything that I had for the review so far. There's no insurances or anything, so that's great. And like I mentioned before, I've kind of emailed through that pack for you just to have a look at the performance and so on. And there's also, like, a a digital link through our ongoing service agreement. I did wanna double check if you, of course, still comfortable to remain a client about you.\n\nCool. So the fees haven't changed. It's still the standard, like, 1.65% split over those monthly payments throughout the year, and that always gets factored into the performance as well. So everything that I quote is after fees. Cool.\n\nJeff, any questions for me so far? It can be on any number you prefer. If you have a preferred contact number, I can update. Yeah. And one of the tricky things that I'm not across with the tech is we've got, like, a main office number.\n\nAnd because I'm on a digital phone system, when it calls through, it may come through from Yeah. Yep. Yep. That's our sort of digital phone number. If it helps at all, I can always send you a bit of a text message before any calls.\n\nJust give you a heads up. That'll be us calling if that helps. So Yep. We don't like doing too many double, triple rings these days, but a text beforehand and a voice message after, no worries at all. Yep.\n\nAwesome. Mate, with the the pack that I sent through to you, please just bear in mind that it's on our our new system called Odoo. It's kind of like a all your customer details as well as a bit of a DocuSign as well. It may go through to your spam folder in your email, or it may go through your main box. So just have a bit of a check on both.\n\nAnd when you go in there, if you have any trouble with the system, just give the team a call. They can walk you through it. But it tends to do, like, an automatic stamp signature, Or you can, like, click on it with your finger and and draw a signature. Oh, perfect. Yep.\n\nNow would you mind pulling that up for me and just seeing if it works okay for you? Yep. And there's also one other form at the bottom there as well. There's a tax file number opt in form. Just with the cybersecurity issues of people's data being leaked last year across the country, we just wanna make sure that we keep tax file numbers on one document instead of a a dozen different digital systems.\n\nSo I just wanna make sure that we can get your consent to, of course, utilize that number for your applications and so on. Oh, you don't have to sign it now. I just wanted to see if it came through okay. If you wanna give that a bit of a read, mate, I'll check it tomorrow. And if we need to, we'll just give you a buzz next week.\n\nAmazing. Alright, Jeff. Mate, I do appreciate you taking the time and going through all the details with me again and just make sure that everything on system is perfectly up to date. Anything else for me before I let you go? Awesome.\n\nWe'll give you a call in a couple of weeks to book back in with me. I'll do all the research and documentation in the background. And, again, I'll let the team know to give you a text ahead of time. Thanks, mate. You have a fantastic day, and we'll talk to you in a couple of weeks.\n\nThanks, Jeff. Bye.","paragraphs":[{"sentences":[{"text":"Good evening, Jeffrey.","start":4.64,"end":5.68,"sentiment":"neutral","sentiment_score":0.2553509920835495},{"text":"It's Tommy here, senior adviser from.","start":5.68,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.1896820863087972},{"text":"How are you going?","start":7.7599998,"end":8.58,"sentiment":"neutral","sentiment_score":0.19555819407105446},{"text":"I'm doing absolutely fantastic today.","start":10.88,"end":12.96,"sentiment":"positive","sentiment_score":0.7773135900497437},{"text":"Thank you for asking.","start":12.96,"end":14.099999,"sentiment":"positive","sentiment_score":0.7099640816450119}],"sentiment":"positive","sentiment_score":0.4278546612371098,"num_words":22,"start":4.64,"end":14.099999},{"sentences":[{"text":"Mate, I'll just give you a call to go through this annual review with you if you still have time.","start":14.345,"end":18.925,"sentiment":"neutral","sentiment_score":0.07986244838684797},{"text":"Perfect.","start":21.305,"end":21.805,"sentiment":"neutral","sentiment_score":0.27289554476737976},{"text":"Now I'm gonna shoot through an annual review pack to your email.","start":21.945,"end":25.404999,"sentiment":"neutral","sentiment_score":0.09914847401281197},{"text":"Do you mind if I just quickly confirm security with you?","start":25.465,"end":28.47,"sentiment":"neutral","sentiment_score":0.05056778544729406},{"text":"Perfect.","start":30.869999,"end":31.349998,"sentiment":"neutral","sentiment_score":0.1665668487548828}],"sentiment":"neutral","sentiment_score":0.08406085976296002,"num_words":45,"start":14.345,"end":31.349998},{"sentences":[{"text":"So the calls are recorded for training and quality purposes.","start":31.349998,"end":34.329998,"sentiment":"neutral","sentiment_score":0.07904281988739967},{"text":"We don't have a security question on file.","start":34.629997,"end":37.19,"sentiment":"neutral","sentiment_score":0.04546149796806276},{"text":"So could you please confirm your date of birth and address, please?","start":37.19,"end":40.815,"sentiment":"neutral","sentiment_score":0.04308498495568832},{"text":"Thank you so much for that, sir.","start":50.015,"end":51.714996,"sentiment":"positive","sentiment_score":0.45982832993779865},{"text":"I have your email down as jeffwilka@gmail.com.","start":51.934998,"end":55.88,"sentiment":"neutral","sentiment_score":0.1839787917477744}],"sentiment":"neutral","sentiment_score":0.1404043148610402,"num_words":44,"start":31.349998,"end":55.88},{"sentences":[{"text":"Is it okay if I shoot it through to that?","start":55.88,"end":57.9,"sentiment":"neutral","sentiment_score":0.1022900678217411},{"text":"Awesome.","start":59.64,"end":60.14,"sentiment":"positive","sentiment_score":0.4076330065727234},{"text":"Will you be able to look on to this email with me today, or do you want me to just kind of walk you through what documents are coming through?","start":60.440002,"end":67.26,"sentiment":"neutral","sentiment_score":0.12162261853615443},{"text":"Yep.","start":73.09499,"end":73.41499,"sentiment":"neutral","sentiment_score":0.05691619962453842},{"text":"No worries.","start":73.41499,"end":73.975,"sentiment":"neutral","sentiment_score":0.08753912150859833}],"sentiment":"neutral","sentiment_score":0.12070924280719324,"num_words":44,"start":55.88,"end":73.975},{"sentences":[{"text":"So what's gonna pop through is you've got an updated performance report for your Netwealth Super as well as a financial services guide because we update, like, our licensing details every year, complaints, procedure, privacy policy, and so on.","start":73.975,"end":89.60999,"sentiment":"neutral","sentiment_score":0.11127386834376897},{"text":"It also includes an updated service agreement as well if you're still happy with the services at the end of the review, and I'm gonna pop that through to you now.","start":91.509995,"end":100.244995,"sentiment":"neutral","sentiment_score":0.1210300350381482},{"text":"But is there anything in particular that you're hoping to get out of this year's review?","start":100.384995,"end":104.485,"sentiment":"neutral","sentiment_score":0.021380043006502092},{"text":"I was having a pretty close look at this over the last couple of weeks.","start":113.2,"end":116.32,"sentiment":"neutral","sentiment_score":-0.022939650590221086},{"text":"And with the stock market going pretty crazy, I was a bit worried about your risk level, but you've actually the super has grown from just over 80,000 to 89,000 as of today.","start":116.32,"end":129.875,"sentiment":"neutral","sentiment_score":0.012064566553542109}],"sentiment":"neutral","sentiment_score":0.06334125803811337,"num_words":134,"start":73.975,"end":129.875},{"sentences":[{"text":"So it's done pretty well.","start":132.75,"end":134.21,"sentiment":"positive","sentiment_score":0.7643415927886963},{"text":"Just to quickly go over performance with you because that's one thing I wanted to just really touch on with you today, and then I'm gonna update a few details.","start":134.43,"end":142.83,"sentiment":"neutral","sentiment_score":0.23664407605926197},{"text":"But most of the investment options that you've been having in your portfolio, because there's about eight or nine of them that we've put together for you, they've all had pretty solid double digit growth for the year.","start":142.83,"end":154.36499,"sentiment":"neutral","sentiment_score":0.29785013689022316},{"text":"Only some cybersecurity shares went down 3%, but mostly everything's been going up about 14 to 16%.","start":155.14499,"end":162.26,"sentiment":"neutral","sentiment_score":0.09988408804158955},{"text":"And you possibly would have gotten an email over the last few months about a a record of advice or an ROI.","start":162.72,"end":170.26,"sentiment":"neutral","sentiment_score":0.038368699310178105}],"sentiment":"neutral","sentiment_score":0.22126318150964966,"num_words":112,"start":132.75,"end":170.26},{"sentences":[{"text":"Do you remember seeing that come through?","start":170.48,"end":172.26,"sentiment":"neutral","sentiment_score":0.011657132368002619},{"text":"Yep.","start":176.155,"end":176.395,"sentiment":"neutral","sentiment_score":0.05545441433787346},{"text":"So just to let you know what happened there, one of the investment options was flagged company wide.","start":176.395,"end":182.175,"sentiment":"neutral","sentiment_score":-0.003625523609419664},{"text":"You had two Australian shares options.","start":183.035,"end":185.935,"sentiment":"neutral","sentiment_score":-0.01834307424724102},{"text":"One was BetaShares, one was Benelon.","start":185.99501,"end":188.015,"sentiment":"neutral","sentiment_score":0.00945445530426999}],"sentiment":"neutral","sentiment_score":0.0004858737443818858,"num_words":38,"start":170.48,"end":188.015},{"sentences":[{"text":"BetaShares is doing fantastic, but that Benelon option, we flagged some significant underperformance the last couple of years, and we made a decision on the licensee level to replace that option across all clients.","start":188.92,"end":203.18,"sentiment":"neutral","sentiment_score":-0.12636722459950867},{"text":"So normally, what would happen is if we go through a review and we wanna update your portfolio, we probably have a bit of a chat and go through another statement of advice and just show you what we're looking to change.","start":206.24501,"end":216.82501,"sentiment":"neutral","sentiment_score":0.008286549399296442},{"text":"But this one, we were just worried about it being quite a lot more volatile than all the other Australian shares options.","start":217.13,"end":224.89,"sentiment":"neutral","sentiment_score":-0.2255980670452118},{"text":"So that one was dropping about 14%, which was pretty heavy.","start":224.89,"end":229.15001,"sentiment":"neutral","sentiment_score":-0.28668605468489905},{"text":"We pushed it out for another Australian share ETF, and it's already jumped up another 3% to kind of make that back.","start":229.70499,"end":239.00499,"sentiment":"positive","sentiment_score":0.4247075485234911}],"sentiment":"neutral","sentiment_score":-0.020775485271943433,"num_words":131,"start":188.92,"end":239.00499},{"sentences":[{"text":"And so it's really, you know, that as far as I can see it, if we were to maintain the same risk level, everything's looking pretty good across the whole portfolio now.","start":241.06499,"end":250.45999,"sentiment":"positive","sentiment_score":0.4356986880302429},{"text":"Thanks.","start":252.59999,"end":253.09999,"sentiment":"neutral","sentiment_score":0.22021642327308655},{"text":"So I guess in percentage terms, because we usually compare this in percentage, it's been just under an 11% return after fees, and that's that 80 to 89,000.","start":253.79999,"end":264.345,"sentiment":"neutral","sentiment_score":0.14547071792185307},{"text":"Cool.","start":264.345,"end":264.845,"sentiment":"positive","sentiment_score":0.756114661693573},{"text":"Now when I'm looking at it, though, because you've got about 20% sorry, 25% in fixed interest, which is kind of like your term deposits, your safer investment, and the rest of it is split between, like, shares, property, gold, and infrastructure.","start":268.265,"end":284.68,"sentiment":"neutral","sentiment_score":0.037660633568607625}],"sentiment":"neutral","sentiment_score":0.19782322897719076,"num_words":104,"start":241.06499,"end":284.68},{"sentences":[{"text":"There's your growth assets.","start":284.82,"end":286.12,"sentiment":"neutral","sentiment_score":0.04161635506898165},{"text":"So it's kind of a seventy five twenty five split.","start":286.495,"end":289.455,"sentiment":"neutral","sentiment_score":0.03231885209679604},{"text":"Does that make sense?","start":289.455,"end":290.51498,"sentiment":"neutral","sentiment_score":0.047095500864088535},{"text":"Yep.","start":308.35,"end":308.85,"sentiment":"neutral","sentiment_score":0.10184415429830553},{"text":"Yeah.","start":316.60498,"end":317.10498,"sentiment":"neutral","sentiment_score":0.08548346161842346}],"sentiment":"neutral","sentiment_score":0.0432681780308485,"num_words":20,"start":284.82,"end":317.10498},{"sentences":[{"text":"And when I look at most of these options, because they're kind of index funds, they're pretty stable across the board.","start":317.16498,"end":324.305,"sentiment":"neutral","sentiment_score":0.09935698906580608},{"text":"They're, I guess, what you would call like a low risk version version of shares, whereas you can go for some pretty high risk versions of the same investments.","start":324.79,"end":333.85,"sentiment":"neutral","sentiment_score":0.057994551956653595},{"text":"Now because of the way I can see that asset allocation at the moment, if you were wanting a pretty conservative portfolio, you know, like 80% safe, 20% high risk, I would probably actually look at switching a few things around and bringing the risk.","start":334.47,"end":350.86502,"sentiment":"neutral","sentiment_score":0.04808482515315215},{"text":"Yep.","start":361.32,"end":361.82,"sentiment":"neutral","sentiment_score":0.1151520013809204},{"text":"Yep.","start":362.36002,"end":362.68002,"sentiment":"neutral","sentiment_score":0.1230119690299034}],"sentiment":"neutral","sentiment_score":0.06361154514873765,"num_words":97,"start":317.16498,"end":362.68002},{"sentences":[{"text":"Now to kind of make a recommendation there, I'll definitely do a bit of an updated portfolio for you.","start":362.68002,"end":368.255,"sentiment":"neutral","sentiment_score":0.15759424080974177},{"text":"One thing I wanted to just check was the the main purpose for the super because I can see that you were on, I guess, that, like, disability support pension with a bit of kind of cash in the bank and you've got the mortgage paid off.","start":368.315,"end":381.44,"sentiment":"neutral","sentiment_score":0.06604678762402941},{"text":"Is that right?","start":381.44,"end":382.26,"sentiment":"neutral","sentiment_score":0.12613420436779657},{"text":"Yep.","start":384.64,"end":384.88,"sentiment":"neutral","sentiment_score":0.05379054695367813},{"text":"So what would be, like, the main purpose for the super for the next few years for you?","start":384.88,"end":389.12,"sentiment":"neutral","sentiment_score":0.1939834389421675}],"sentiment":"neutral","sentiment_score":0.11389073471284726,"num_words":88,"start":362.68002,"end":389.12},{"sentences":[{"text":"Is it just to get, like, a a bit of safe growth out of it and you're wanting to access it to fund?","start":389.12,"end":394.18002,"sentiment":"neutral","sentiment_score":0.26243846928295883},{"text":"Yeah.","start":409.07,"end":409.57,"sentiment":"neutral","sentiment_score":0.002906758338212967},{"text":"The tricky situation that we've got is because of everything that's going on in the world at the moment, the projections going forward for a lot of asset classes is quite far down.","start":409.71,"end":420.44998,"sentiment":"neutral","sentiment_score":-0.17217240776076462},{"text":"So your current risk level, I would describe it as like a three and a half out of five.","start":420.83,"end":427.435,"sentiment":"neutral","sentiment_score":-0.18184984867510043},{"text":"It's a little bit above medium risk.","start":427.575,"end":429.595,"sentiment":"neutral","sentiment_score":-0.18726688623428345}],"sentiment":"neutral","sentiment_score":-0.05311702690031155,"num_words":83,"start":389.12,"end":429.595},{"sentences":[{"text":"That's still aiming for around about that nine to 10% average return.","start":431.175,"end":436.395,"sentiment":"neutral","sentiment_score":0.07172918769841392},{"text":"But then again, usually recommended for someone who's not gonna access the food for about six or seven years.","start":437.3,"end":443.72,"sentiment":"neutral","sentiment_score":-0.06120467264401285},{"text":"So what I'm sort of thinking is if we still want to aim for that level of return, we could possibly reduce the risk level by about, like, one one point, put you down to, like, a two and a half or a three.","start":447.46,"end":460.355,"sentiment":"neutral","sentiment_score":0.09592902960933068},{"text":"That might get you maybe an 8% average or 9% average.","start":463.06998,"end":467.56998,"sentiment":"neutral","sentiment_score":0.11541373282670975},{"text":"The one thing I was worried about is we kind of left it the way it was trying to hunt for the higher returns.","start":474.365,"end":479.585,"sentiment":"neutral","sentiment_score":-0.31495952047407627}],"sentiment":"neutral","sentiment_score":-0.021552169593897733,"num_words":110,"start":431.175,"end":479.585},{"sentences":[{"text":"If this situation turns into a really big crash, you could be sitting there at 65,000 next year and then having to wait five years for it to build back up.","start":480.445,"end":490.99002,"sentiment":"neutral","sentiment_score":-0.31255516962658975},{"text":"Yes.","start":495.85,"end":496.17,"sentiment":"neutral","sentiment_score":-0.1355484426021576},{"text":"It doesn't sound like it'd be a fun ride for you, especially just given when you're looking to access it.","start":496.17,"end":501.495,"sentiment":"neutral","sentiment_score":-0.09765720535069704},{"text":"Yeah.","start":507.095,"end":507.415,"sentiment":"neutral","sentiment_score":-0.0592697337269783},{"text":"So usually when we get closer to retirement, we slowly reduce it down every year or two.","start":507.415,"end":512.635,"sentiment":"neutral","sentiment_score":-0.03793926076853976}],"sentiment":"neutral","sentiment_score":-0.1783162853547505,"num_words":70,"start":480.445,"end":512.635},{"sentences":[{"text":"So from that 75% down to about seventy, sixty, fifty, forty.","start":512.775,"end":517.355,"sentiment":"neutral","sentiment_score":0.12692182849753986},{"text":"So if you want to go middle of the road, I can drop it from 75 to 70%.","start":517.70996,"end":522.52997,"sentiment":"neutral","sentiment_score":0.08749209572043684},{"text":"Or if you want to go a little bit safer, I can drop it to 60.","start":522.82996,"end":525.97,"sentiment":"neutral","sentiment_score":0.06378794298507273},{"text":"Just want to kind of gauge your thoughts.","start":526.02997,"end":528.05,"sentiment":"neutral","sentiment_score":0.0638786107301712},{"text":"Yep.","start":530.845,"end":531.345,"sentiment":"neutral","sentiment_score":0.15260615944862366}],"sentiment":"neutral","sentiment_score":0.08620814758318442,"num_words":54,"start":512.775,"end":531.345},{"sentences":[{"text":"So go just a tiny bit more growth focus.","start":531.885,"end":534.225,"sentiment":"neutral","sentiment_score":0.09573781035012668},{"text":"Yep.","start":534.365,"end":534.765,"sentiment":"neutral","sentiment_score":0.11642434448003768},{"text":"I think so.","start":534.765,"end":535.665,"sentiment":"neutral","sentiment_score":0.13191319008668265},{"text":"K.","start":537.565,"end":537.885,"sentiment":"neutral","sentiment_score":0.19486942887306213},{"text":"That's perfect.","start":537.885,"end":538.605,"sentiment":"positive","sentiment_score":0.5910236239433289}],"sentiment":"neutral","sentiment_score":0.1719200552906841,"num_words":16,"start":531.885,"end":538.605},{"sentences":[{"text":"I can do that.","start":538.605,"end":539.245,"sentiment":"positive","sentiment_score":0.5384221971035004},{"text":"No worries at all.","start":539.245,"end":540.385,"sentiment":"neutral","sentiment_score":0.17867473140358925},{"text":"Just in terms of those assets, I think we had the home valued at about 1,000,000 flat with nothing owing on it and about 140 in a high interest savings account.","start":540.605,"end":550.25,"sentiment":"neutral","sentiment_score":0.07572771801102546},{"text":"Yep.","start":552.63,"end":552.87,"sentiment":"neutral","sentiment_score":0.3094787001609802},{"text":"Cool.","start":552.87,"end":553.19,"sentiment":"positive","sentiment_score":0.43284040689468384}],"sentiment":"neutral","sentiment_score":0.14532356291282467,"num_words":41,"start":538.605,"end":553.19},{"sentences":[{"text":"So all that's still stable there.","start":553.19,"end":554.63,"sentiment":"positive","sentiment_score":0.3487575153509776},{"text":"You're just kind of living off the pension at the moment, not dipping into the capital.","start":554.63,"end":558.64996,"sentiment":"neutral","sentiment_score":0.17511569964699447},{"text":"Yeah.","start":584.96497,"end":585.46497,"sentiment":"neutral","sentiment_score":0.03848422318696976},{"text":"Yep.","start":596.42,"end":596.82,"sentiment":"neutral","sentiment_score":0.17022399604320526},{"text":"Perfect.","start":596.82,"end":597.22,"sentiment":"positive","sentiment_score":0.3802284598350525}],"sentiment":"neutral","sentiment_score":0.21933331862092018,"num_words":25,"start":553.19,"end":597.22},{"sentences":[{"text":"Perfect.","start":597.22,"end":597.7,"sentiment":"neutral","sentiment_score":0.320845365524292},{"text":"So one thing I wanna double check with you then is with the 140,000 you have in savings, is that in, like, a high interest savings account or, like, a locked away term deposit?","start":597.7,"end":608.36,"sentiment":"neutral","sentiment_score":0.08214711923809613},{"text":"Yep.","start":614.905,"end":615.385,"sentiment":"neutral","sentiment_score":0.060188062489032745},{"text":"And is that maturing relatively soon, or is that still locked away until '20 '20 '7?","start":615.385,"end":620.84503,"sentiment":"neutral","sentiment_score":0.005903697969188215},{"text":"July.","start":625.6,"end":626.1,"sentiment":"neutral","sentiment_score":0.03827089071273804}],"sentiment":"neutral","sentiment_score":0.062391802647704574,"num_words":53,"start":597.22,"end":626.1},{"sentences":[{"text":"Okay.","start":626.64,"end":627.14,"sentiment":"neutral","sentiment_score":0.2722117006778717},{"text":"Perfect.","start":627.2,"end":627.7,"sentiment":"positive","sentiment_score":0.5757472515106201},{"text":"And then as far as the cars go, we had the whole Holden Colorado there at about 22,000.","start":627.76,"end":633.36,"sentiment":"neutral","sentiment_score":0.096648501439227},{"text":"Is there a second vehicle in there?","start":633.36,"end":635.06,"sentiment":"neutral","sentiment_score":0.033651314941900115},{"text":"Yep.","start":642.705,"end":643.205,"sentiment":"neutral","sentiment_score":0.0436692014336586}],"sentiment":"neutral","sentiment_score":0.10238787086148347,"num_words":28,"start":626.64,"end":643.205},{"sentences":[{"text":"Perfect.","start":643.745,"end":644.245,"sentiment":"neutral","sentiment_score":0.1811795234680176},{"text":"Any other assets or loans or anything floating around?","start":645.025,"end":648.005,"sentiment":"neutral","sentiment_score":0.052556099370121956},{"text":"Amazing.","start":658.66,"end":659.06,"sentiment":"positive","sentiment_score":0.3435499370098114},{"text":"Don't have a million dollars of crypto sitting under the pillow or anything like that.","start":659.06,"end":662.805,"sentiment":"neutral","sentiment_score":-0.00024376139044761657},{"text":"Yeah.","start":669.205,"end":669.605,"sentiment":"neutral","sentiment_score":-0.06582970172166824}],"sentiment":"neutral","sentiment_score":0.03437956415668682,"num_words":27,"start":643.745,"end":669.605},{"sentences":[{"text":"May maybe leave that for the person who can stand to wait twenty years for it to go up if it crashes 90%, that kind of thing.","start":669.605,"end":676.74,"sentiment":"neutral","sentiment_score":-0.16747267847811734},{"text":"Perfect.","start":678.82,"end":679.32,"sentiment":"positive","sentiment_score":0.381106436252594},{"text":"I had a couple of last thoughts when it came to the super there, and then I'm just gonna double check a couple of other detail.","start":680.1,"end":685.32,"sentiment":"neutral","sentiment_score":0.04606605801158226},{"text":"But your super is currently in, like, an accumulation account where it's still in the super space.","start":685.7,"end":692.80505,"sentiment":"neutral","sentiment_score":-0.03049519581391531},{"text":"It's not technically in a pension account yet because you're not drawing down, if that makes sense.","start":692.80505,"end":697.465,"sentiment":"neutral","sentiment_score":-0.09022073338136953}],"sentiment":"neutral","sentiment_score":-0.05676260421221906,"num_words":88,"start":669.605,"end":697.465},{"sentences":[{"text":"Now I was looking at your, like, estate planning, and we had Carly and William listed as your beneficiaries for the super.","start":699.36505,"end":706.6,"sentiment":"neutral","sentiment_score":0.055307955989106136},{"text":"Yeah.","start":708.89996,"end":709.39996,"sentiment":"neutral","sentiment_score":0.03527287393808365},{"text":"Just as I'm but are they, like, partner, adult children?","start":709.77997,"end":716.875,"sentiment":"neutral","sentiment_score":0.011810989771038293},{"text":"What's their relation?","start":716.935,"end":718.075,"sentiment":"neutral","sentiment_score":0.0018176926920811336},{"text":"Perfect.","start":721.09503,"end":721.41504,"sentiment":"neutral","sentiment_score":0.18342608213424683}],"sentiment":"neutral","sentiment_score":0.04213613415187275,"num_words":37,"start":699.36505,"end":721.41504},{"sentences":[{"text":"And they're all over 18?","start":721.41504,"end":722.875,"sentiment":"neutral","sentiment_score":0.042806772887706755},{"text":"Yep.","start":725.015,"end":725.515,"sentiment":"neutral","sentiment_score":0.02241036854684353},{"text":"So the only other thoughts I had was two things, and these are not necessities.","start":725.655,"end":730.76,"sentiment":"neutral","sentiment_score":-0.015502385298411052},{"text":"It's just ideas here.","start":730.89996,"end":732.74,"sentiment":"neutral","sentiment_score":0.03588694939389825},{"text":"Is if you put your super into a pension account, all of the earnings that it grows for the interest, it all turns into tax free instead of the usual 15% concessional rate.","start":732.74,"end":745.785,"sentiment":"neutral","sentiment_score":0.033560506039948174}],"sentiment":"neutral","sentiment_score":0.02163711983453611,"num_words":58,"start":721.41504,"end":745.785},{"sentences":[{"text":"What it does, however, is once you convert it into a pension account, you have to draw down a minimum of 4% out of the super account.","start":748.565,"end":757.17,"sentiment":"neutral","sentiment_score":-0.02390373291240798},{"text":"So it would be, I guess, the optimal scenario would be if we put it pretty much all in a pension account to increase the earnings tax free.","start":757.81,"end":768.38995,"sentiment":"neutral","sentiment_score":0.32216120830604006},{"text":"You would have a little bit coming out.","start":768.52997,"end":770.475,"sentiment":"positive","sentiment_score":0.4042346514761448},{"text":"And if you didn't need to use the funds, we could actually recontribute it back in and kind of just recycle it a little bit.","start":770.555,"end":778.175,"sentiment":"positive","sentiment_score":0.3722039008140564},{"text":"And that also means that anything that we put back in goes in as non concessional, which means it's tax free for your beneficiaries.","start":778.71497,"end":788.0,"sentiment":"positive","sentiment_score":0.3654882349073887}],"sentiment":"neutral","sentiment_score":0.2650518340524286,"num_words":112,"start":748.565,"end":788.0},{"sentences":[{"text":"They wouldn't pay that kind of 15% tax or 17% when they received it.","start":788.7,"end":794.8,"sentiment":"neutral","sentiment_score":0.09152246160166604},{"text":"So I just wanted to kind of float the idea with you.","start":797.42,"end":800.235,"sentiment":"neutral","sentiment_score":0.14147474306325117},{"text":"K.","start":803.995,"end":804.495,"sentiment":"positive","sentiment_score":0.4615745544433594},{"text":"One other thing that I kind of wanna try to is if I'm looking in Netwealth account at the moment, just because of your state of life, it gives you a full breakdown of what your taxable component is, which is at 17% for estate purposes versus your tax free component.","start":805.115,"end":822.39,"sentiment":"neutral","sentiment_score":0.12288699233356644},{"text":"Now 87,000 of your 89 is sitting in taxable.","start":823.17004,"end":827.59,"sentiment":"neutral","sentiment_score":0.0008098062955670886}],"sentiment":"neutral","sentiment_score":0.11166794022181253,"num_words":87,"start":788.7,"end":827.59},{"sentences":[{"text":"So if you were to pass away tomorrow, that's the majority of the contract.","start":827.65,"end":834.695,"sentiment":"neutral","sentiment_score":-0.05534560958455716},{"text":"We can actually do something called a cash out recontribution if you're comfortable to do this with us.","start":835.083,"end":843.79004,"sentiment":"positive","sentiment_score":0.38540970120165086},{"text":"And what it basically is is we could pull out, say, 80,000 and put it back in within a day or two, and that would essentially wash 90% of the funds back into a tax free portion for your children.","start":843.85004,"end":857.96497,"sentiment":"positive","sentiment_score":0.33480701185762884},{"text":"So if you're comfortable to kind of go through that ride with me, there wouldn't be too much for you to do.","start":862.665,"end":868.045,"sentiment":"neutral","sentiment_score":0.24983463910492984},{"text":"I would basically update your portfolio to be a bit more conservative.","start":868.26996,"end":872.45,"sentiment":"neutral","sentiment_score":0.2391203244527181}],"sentiment":"neutral","sentiment_score":0.26340209920275603,"num_words":106,"start":827.65,"end":872.45},{"sentences":[{"text":"We would then set up your pension account, do a little withdrawal, and then you just have to put it back in again via, like, a BPAY or EFT, and we would handle all the rest in the background.","start":873.31,"end":885.78503,"sentiment":"neutral","sentiment_score":0.24295164186220902},{"text":"Would you be comfortable to kind of I'll put that in writing so it's in plan for you, but would you be comfortable possibly doing that with us as a bit of a one off strategy?","start":890.565,"end":898.425,"sentiment":"neutral","sentiment_score":0.10583584145125416},{"text":"Cool.","start":902.41003,"end":902.91003,"sentiment":"positive","sentiment_score":0.6299639940261841},{"text":"I'll definitely crunch some numbers and sort of see how it would be best to do that and go through that updated advice document with you in a few weeks' time just to show you what I'm changing with the investments and also how to go about doing that, and we'll pretty much hold your hand along the whole whole time.","start":903.37,"end":921.295,"sentiment":"positive","sentiment_score":0.4464807864583907},{"text":"And the last thing I wanted to check was because you're on disability support pension, would you be essentially classed by the doctors as, say, only and permanently disabled by TBD, or is it just kind of middle ground in between?","start":924.39496,"end":941.75494,"sentiment":"neutral","sentiment_score":-0.018135124286523134}],"sentiment":"neutral","sentiment_score":0.2270053718938869,"num_words":178,"start":873.31,"end":941.75494},{"sentences":[{"text":"Yes.","start":973.055,"end":973.555,"sentiment":"neutral","sentiment_score":-0.11941000819206238},{"text":"Perfect.","start":979.47003,"end":979.97003,"sentiment":"neutral","sentiment_score":0.29568785429000854},{"text":"So the I guess the last question there is when you had that situation occurring and you stopped working, what were you actually doing for work at the time?","start":980.19,"end":991.565,"sentiment":"neutral","sentiment_score":-0.05620112783949951},{"text":"Yep.","start":1002.89996,"end":1003.39996,"sentiment":"neutral","sentiment_score":0.02316355332732201},{"text":"And you would have had to do a bit of, like, traveling around, like, travel salesman type thing?","start":1004.33997,"end":1009.77997,"sentiment":"neutral","sentiment_score":-0.028069852230449516}],"sentiment":"neutral","sentiment_score":-0.03871297296136618,"num_words":50,"start":973.055,"end":1009.77997},{"sentences":[{"text":"Or yep.","start":1009.77997,"end":1014.19995,"sentiment":"neutral","sentiment_score":-0.018216311000287533},{"text":"So I guess why I'm kind of going down this route too is that because we're in this situation where I'm kind of optimizing your estate planning, you can also potentially click on, like, a TBD status on the super, and that'll give you, like, a tax free up to list to convert your funds as well.","start":1015.335,"end":1032.6,"sentiment":"neutral","sentiment_score":0.18134232770586223},{"text":"It would be a lot more paperwork in terms of doctors' reports, filling out heaps of forms, and all that kind of thing, which I can pretty much achieve just by doing that repontribution with the pension I mentioned.","start":1033.22,"end":1045.5149,"sentiment":"neutral","sentiment_score":0.09062481671571732},{"text":"But it would kind of give you that last little little optimization there.","start":1045.8949,"end":1050.6349,"sentiment":"neutral","sentiment_score":0.32231409503863406},{"text":"It would be a decent amount of work for a little gain, but it's, I guess, what I would say is the most optimal situation.","start":1050.9349,"end":1057.5149,"sentiment":"neutral","sentiment_score":0.2803242075443268}],"sentiment":"neutral","sentiment_score":0.18406350245041883,"num_words":136,"start":1009.77997,"end":1057.5149},{"sentences":[{"text":"So I just wanted to run it by you if that's yeah.","start":1057.6549,"end":1061.67,"sentiment":"neutral","sentiment_score":-0.2586192190647125},{"text":"That's okay.","start":1063.25,"end":1063.73,"sentiment":"neutral","sentiment_score":0.14027418196201324},{"text":"I just had to ask the question then.","start":1063.73,"end":1065.25,"sentiment":"neutral","sentiment_score":0.035692498087882996},{"text":"Yep.","start":1065.25,"end":1065.75,"sentiment":"neutral","sentiment_score":0.028224466368556023},{"text":"So I'll leave that out, and we'll just do the pension.","start":1066.21,"end":1070.47,"sentiment":"neutral","sentiment_score":0.005075602199543606}],"sentiment":"neutral","sentiment_score":-0.07215547616429188,"num_words":34,"start":1057.6549,"end":1070.47},{"sentences":[{"text":"Pension.","start":1075.285,"end":1075.685,"sentiment":"neutral","sentiment_score":-0.04021424055099487},{"text":"Haven't changed address.","start":1075.685,"end":1076.985,"sentiment":"neutral","sentiment_score":-0.1288180078069369},{"text":"Haven't changed family status.","start":1077.525,"end":1079.385,"sentiment":"neutral","sentiment_score":-0.10695736110210419},{"text":"And the last thing was in terms of, like, a will, you did have a will in place, so I think you were going to update at some point.","start":1080.725,"end":1087.74,"sentiment":"neutral","sentiment_score":-0.044836507146728447},{"text":"It was getting a little bit old.","start":1087.74,"end":1089.18,"sentiment":"neutral","sentiment_score":-0.23596261654581344}],"sentiment":"neutral","sentiment_score":-0.08651124389672821,"num_words":44,"start":1075.285,"end":1089.18},{"sentences":[{"text":"Did you end up doing that?","start":1089.18,"end":1090.3,"sentiment":"neutral","sentiment_score":-0.07494176303346951},{"text":"Or Yep.","start":1090.3,"end":1098.975,"sentiment":"neutral","sentiment_score":-0.022573878057301044},{"text":"And when it comes to the will, I I know it might be a bit hard to think back several years, but do you know if you have, like, a power of attorney put in place if you remember what that does?","start":1099.8351,"end":1108.83,"sentiment":"neutral","sentiment_score":-0.024654077499040535},{"text":"Yeah.","start":1114.99,"end":1115.39,"sentiment":"neutral","sentiment_score":-0.010874364525079727},{"text":"And it's just one of those things that allows, like, why you're still alive.","start":1115.39,"end":1120.75,"sentiment":"neutral","sentiment_score":0.07928243279457092}],"sentiment":"neutral","sentiment_score":-0.006633690687326285,"num_words":65,"start":1089.18,"end":1120.75},{"sentences":[{"text":"Like, let's say you're in a coma.","start":1120.75,"end":1122.2899,"sentiment":"neutral","sentiment_score":-0.02069060761381739},{"text":"Someone can talk to the doctors on your behalf and also, like, manage bank accounts, make sure bills are paid, things like that without having to go to court to sue for probate.","start":1123.105,"end":1133.2849,"sentiment":"neutral","sentiment_score":0.04274284306236289},{"text":"So if you think that would be valuable to have someone trusted there to look after things if you were incapacitated.","start":1133.9049,"end":1140.1,"sentiment":"neutral","sentiment_score":0.01632518826850823},{"text":"Yep.","start":1142.8,"end":1143.2001,"sentiment":"neutral","sentiment_score":0.05986138805747032},{"text":"So I would just kind of suggest if you're gonna update the will, maybe see if you can get one of those added on.","start":1143.2001,"end":1148.3201,"sentiment":"neutral","sentiment_score":0.01732296486928438}],"sentiment":"neutral","sentiment_score":0.02423396588744444,"num_words":86,"start":1120.75,"end":1148.3201},{"sentences":[{"text":"And look, worst case scenario, you can get one of those power of attorney kits from the post office, from the government, like, 25.","start":1148.3201,"end":1155.755,"sentiment":"neutral","sentiment_score":0.014579557192822298},{"text":"Or if you go to, like, your lawyer, take the will, there's heaps of different options there.","start":1156.215,"end":1160.955,"sentiment":"neutral","sentiment_score":0.04022742095677292},{"text":"Cool.","start":1163.9099,"end":1164.4099,"sentiment":"positive","sentiment_score":0.35636287927627563},{"text":"So that's pretty much it for most of that.","start":1164.87,"end":1167.5299,"sentiment":"positive","sentiment_score":0.3654533194171058},{"text":"Any questions so far?","start":1168.1499,"end":1169.11,"sentiment":"neutral","sentiment_score":0.18666833639144897}],"sentiment":"neutral","sentiment_score":0.09865257506343451,"num_words":55,"start":1148.3201,"end":1169.11},{"sentences":[{"text":"And I've kind of bombarded you with a bit of technical info today.","start":1169.11,"end":1172.33,"sentiment":"neutral","sentiment_score":0.03656729984168823},{"text":"Mhmm.","start":1175.19,"end":1175.69,"sentiment":"neutral","sentiment_score":0.025717591866850853},{"text":"Okay.","start":1179.555,"end":1180.055,"sentiment":"neutral","sentiment_score":0.12150894850492476},{"text":"Goals wise, I think you were looking to go on a bit of a cruise at some point.","start":1182.035,"end":1185.955,"sentiment":"neutral","sentiment_score":0.03734193845755524},{"text":"I don't know if that was quite an old goal.","start":1185.955,"end":1187.955,"sentiment":"neutral","sentiment_score":-0.03966031894087792}],"sentiment":"neutral","sentiment_score":0.020887282352114834,"num_words":43,"start":1169.11,"end":1187.955},{"sentences":[{"text":"Is that still current?","start":1187.955,"end":1189.015,"sentiment":"neutral","sentiment_score":-0.05040887836366892},{"text":"Yep.","start":1197.34,"end":1197.84,"sentiment":"neutral","sentiment_score":0.04384877532720566},{"text":"Done.","start":1197.8999,"end":1198.3999,"sentiment":"neutral","sentiment_score":0.0435786210000515},{"text":"And the last thing there is when it comes to your term deposit maturing, do you want me to factor any of those funds in to this contribution plan with the super, or would you prefer to kind of still keep them separate?","start":1199.58,"end":1212.145,"sentiment":"neutral","sentiment_score":-0.009187693317788978},{"text":"Yeah.","start":1215.645,"end":1215.965,"sentiment":"neutral","sentiment_score":0.07773391902446747}],"sentiment":"neutral","sentiment_score":-0.008630900215357541,"num_words":50,"start":1187.955,"end":1215.965},{"sentences":[{"text":"And just roll it on for the next year.","start":1215.965,"end":1217.405,"sentiment":"neutral","sentiment_score":0.07814422829283608},{"text":"I think the interest rates are up higher now.","start":1217.405,"end":1219.56,"sentiment":"neutral","sentiment_score":0.08231832376784748},{"text":"Yep.","start":1221.9601,"end":1222.4601,"sentiment":"neutral","sentiment_score":0.2611721158027649},{"text":"Perfect.","start":1222.52,"end":1223.02,"sentiment":"positive","sentiment_score":0.4941899180412293},{"text":"Alrighty.","start":1223.64,"end":1224.14,"sentiment":"positive","sentiment_score":0.45634475350379944}],"sentiment":"neutral","sentiment_score":0.12646998837590218,"num_words":21,"start":1215.965,"end":1224.14},{"sentences":[{"text":"Mate, that's pretty much everything that I had for the review so far.","start":1224.2001,"end":1227.26,"sentiment":"positive","sentiment_score":0.4697931752755092},{"text":"There's no insurances or anything, so that's great.","start":1227.64,"end":1230.2201,"sentiment":"positive","sentiment_score":0.5399248003959656},{"text":"And like I mentioned before, I've kind of emailed through that pack for you just to have a look at the performance and so on.","start":1230.52,"end":1237.085,"sentiment":"neutral","sentiment_score":0.23784681349992753},{"text":"And there's also, like, a a digital link through our ongoing service agreement.","start":1237.145,"end":1242.205,"sentiment":"neutral","sentiment_score":0.11204904604416627},{"text":"I did wanna double check if you, of course, still comfortable to remain a client about you.","start":1242.585,"end":1247.1,"sentiment":"neutral","sentiment_score":0.18271833219948938}],"sentiment":"neutral","sentiment_score":0.27547012191069753,"num_words":76,"start":1224.2001,"end":1247.1},{"sentences":[{"text":"Cool.","start":1249.66,"end":1250.16,"sentiment":"positive","sentiment_score":0.4915543794631958},{"text":"So the fees haven't changed.","start":1250.22,"end":1252.22,"sentiment":"neutral","sentiment_score":0.25067477524280546},{"text":"It's still the standard, like, 1.65% split over those monthly payments throughout the year, and that always gets factored into the performance as well.","start":1252.22,"end":1261.605,"sentiment":"neutral","sentiment_score":0.2449369045595328},{"text":"So everything that I quote is after fees.","start":1261.6849,"end":1264.025,"sentiment":"neutral","sentiment_score":0.0840724129229784},{"text":"Cool.","start":1266.965,"end":1267.465,"sentiment":"positive","sentiment_score":0.5597354769706726}],"sentiment":"neutral","sentiment_score":0.22706996783232078,"num_words":39,"start":1249.66,"end":1267.465},{"sentences":[{"text":"Jeff, any questions for me so far?","start":1267.765,"end":1269.785,"sentiment":"neutral","sentiment_score":0.26137265137263704},{"text":"It can be on any number you prefer.","start":1280.37,"end":1282.9501,"sentiment":"neutral","sentiment_score":0.024793941294774413},{"text":"If you have a preferred contact number, I can update.","start":1283.09,"end":1285.51,"sentiment":"neutral","sentiment_score":0.000392085872590542},{"text":"Yeah.","start":1299.4401,"end":1299.8401,"sentiment":"neutral","sentiment_score":-0.0041011180728673935},{"text":"And one of the tricky things that I'm not across with the tech is we've got, like, a main office number.","start":1299.8401,"end":1305.4601,"sentiment":"neutral","sentiment_score":-0.06064364899482046}],"sentiment":"neutral","sentiment_score":0.016048153228265173,"num_words":47,"start":1267.765,"end":1305.4601},{"sentences":[{"text":"And because I'm on a digital phone system, when it calls through, it may come through from Yeah.","start":1305.68,"end":1311.2301,"sentiment":"neutral","sentiment_score":-0.030566730277819767},{"text":"Yep.","start":1321.805,"end":1322.2051,"sentiment":"neutral","sentiment_score":0.015190149657428265},{"text":"Yep.","start":1322.2051,"end":1322.685,"sentiment":"neutral","sentiment_score":0.04093176871538162},{"text":"That's our sort of digital phone number.","start":1322.685,"end":1325.1051,"sentiment":"neutral","sentiment_score":0.06132317600505693},{"text":"If it helps at all, I can always send you a bit of a text message before any calls.","start":1325.245,"end":1329.34,"sentiment":"neutral","sentiment_score":0.11989537234369077}],"sentiment":"neutral","sentiment_score":0.048112936520382114,"num_words":46,"start":1305.68,"end":1329.34},{"sentences":[{"text":"Just give you a heads up.","start":1329.34,"end":1330.2999,"sentiment":"neutral","sentiment_score":0.10468456894159317},{"text":"That'll be us calling if that helps.","start":1330.2999,"end":1332.1399,"sentiment":"neutral","sentiment_score":0.14106084406375885},{"text":"So Yep.","start":1332.1399,"end":1351.635,"sentiment":"neutral","sentiment_score":0.1813839003443718},{"text":"We don't like doing too many double, triple rings these days, but a text beforehand and a voice message after, no worries at all.","start":1352.175,"end":1358.99,"sentiment":"neutral","sentiment_score":0.004608665127307177},{"text":"Yep.","start":1364.73,"end":1365.13,"sentiment":"positive","sentiment_score":0.36192020773887634}],"sentiment":"neutral","sentiment_score":0.06127073233947158,"num_words":40,"start":1329.34,"end":1365.13},{"sentences":[{"text":"Awesome.","start":1365.13,"end":1365.63,"sentiment":"positive","sentiment_score":0.7263165712356567},{"text":"Mate, with the the pack that I sent through to you, please just bear in mind that it's on our our new system called Odoo.","start":1365.9299,"end":1372.515,"sentiment":"neutral","sentiment_score":0.2559270399808884},{"text":"It's kind of like a all your customer details as well as a bit of a DocuSign as well.","start":1372.515,"end":1379.015,"sentiment":"neutral","sentiment_score":0.25225478959710973},{"text":"It may go through to your spam folder in your email, or it may go through your main box.","start":1379.0751,"end":1384.2401,"sentiment":"neutral","sentiment_score":0.08249442200911672},{"text":"So just have a bit of a check on both.","start":1384.2401,"end":1385.9401,"sentiment":"neutral","sentiment_score":0.17289356216788293}],"sentiment":"neutral","sentiment_score":0.20559004341831078,"num_words":74,"start":1365.13,"end":1385.9401},{"sentences":[{"text":"And when you go in there, if you have any trouble with the system, just give the team a call.","start":1386.16,"end":1392.16,"sentiment":"neutral","sentiment_score":0.0999341707676649},{"text":"They can walk you through it.","start":1392.16,"end":1393.3601,"sentiment":"neutral","sentiment_score":0.18003607044617334},{"text":"But it tends to do, like, an automatic stamp signature, Or you can, like, click on it with your finger and and draw a signature.","start":1393.3601,"end":1400.145,"sentiment":"neutral","sentiment_score":0.04992447607219219},{"text":"Oh, perfect.","start":1405.405,"end":1406.225,"sentiment":"positive","sentiment_score":0.5094021856784821},{"text":"Yep.","start":1415.01,"end":1415.51,"sentiment":"neutral","sentiment_score":0.16705161333084106}],"sentiment":"neutral","sentiment_score":0.10209014304672126,"num_words":54,"start":1386.16,"end":1415.51},{"sentences":[{"text":"Now would you mind pulling that up for me and just seeing if it works okay for you?","start":1415.65,"end":1420.0701,"sentiment":"neutral","sentiment_score":0.16027973923418257},{"text":"Yep.","start":1442.48,"end":1442.88,"sentiment":"neutral","sentiment_score":0.1246626228094101},{"text":"And there's also one other form at the bottom there as well.","start":1442.88,"end":1446.1001,"sentiment":"neutral","sentiment_score":0.09177366551011801},{"text":"There's a tax file number opt in form.","start":1446.4,"end":1448.9,"sentiment":"neutral","sentiment_score":0.08944149781018496},{"text":"Just with the cybersecurity issues of people's data being leaked last year across the country, we just wanna make sure that we keep tax file numbers on one document instead of a a dozen different digital systems.","start":1449.735,"end":1461.355,"sentiment":"neutral","sentiment_score":0.10220748709665763}],"sentiment":"neutral","sentiment_score":0.11326567000268321,"num_words":76,"start":1415.65,"end":1461.355},{"sentences":[{"text":"So I just wanna make sure that we can get your consent to, of course, utilize that number for your applications and so on.","start":1461.495,"end":1467.89,"sentiment":"neutral","sentiment_score":0.168911412358284},{"text":"Oh, you don't have to sign it now.","start":1483.865,"end":1485.1449,"sentiment":"neutral","sentiment_score":0.08936798386275768},{"text":"I just wanted to see if it came through okay.","start":1485.1449,"end":1487.07,"sentiment":"neutral","sentiment_score":0.17561228349804878},{"text":"If you wanna give that a bit of a read, mate, I'll check it tomorrow.","start":1487.07,"end":1490.5099,"sentiment":"neutral","sentiment_score":0.15304982562859853},{"text":"And if we need to, we'll just give you a buzz next week.","start":1490.5099,"end":1493.1699,"sentiment":"neutral","sentiment_score":0.11475431403288475}],"sentiment":"neutral","sentiment_score":0.1473213438476835,"num_words":70,"start":1461.495,"end":1493.1699},{"sentences":[{"text":"Amazing.","start":1495.7899,"end":1496.2899,"sentiment":"positive","sentiment_score":0.6234121322631836},{"text":"Alright, Jeff.","start":1496.5099,"end":1497.07,"sentiment":"neutral","sentiment_score":0.14937239792197943},{"text":"Mate, I do appreciate you taking the time and going through all the details with me again and just make sure that everything on system is perfectly up to date.","start":1497.07,"end":1504.125,"sentiment":"positive","sentiment_score":0.7067516565322876},{"text":"Anything else for me before I let you go?","start":1504.505,"end":1506.525,"sentiment":"neutral","sentiment_score":0.2289429936144087},{"text":"Awesome.","start":1509.545,"end":1510.025,"sentiment":"positive","sentiment_score":0.7485823631286621}],"sentiment":"positive","sentiment_score":0.5798552541798631,"num_words":43,"start":1495.7899,"end":1510.025},{"sentences":[{"text":"We'll give you a call in a couple of weeks to book back in with me.","start":1510.025,"end":1512.985,"sentiment":"positive","sentiment_score":0.41881717275828123},{"text":"I'll do all the research and documentation in the background.","start":1512.985,"end":1515.885,"sentiment":"positive","sentiment_score":0.34531480371952056},{"text":"And, again, I'll let the team know to give you a text ahead of time.","start":1516.2799,"end":1519.26,"sentiment":"neutral","sentiment_score":0.31147224406401314},{"text":"Thanks, mate.","start":1521.7999,"end":1522.2799,"sentiment":"positive","sentiment_score":0.7578969299793243},{"text":"You have a fantastic day, and we'll talk to you in a couple of weeks.","start":1522.2799,"end":1524.6,"sentiment":"positive","sentiment_score":0.7225705921649933}],"sentiment":"positive","sentiment_score":0.4686320552538181,"num_words":58,"start":1510.025,"end":1524.6},{"sentences":[{"text":"Thanks, Jeff.","start":1524.6,"end":1528.44,"sentiment":"positive","sentiment_score":0.7009045481681824},{"text":"Bye.","start":1528.44,"end":1528.94,"sentiment":"neutral","sentiment_score":-0.1204197108745575}],"sentiment":"positive","sentiment_score":0.42712979515393573,"num_words":3,"start":1524.6,"end":1528.94}]}}]},{"alternatives":[{"transcript":"Hello? Good. Thank you. How are you? That's okay. Yep. Yeah. Yeah. Sure. 11/19/1963. Address 23 Ingle Ring, Culvera Beach, New South Wales. Yep. That's good. No. Just walk us through what documents are coming through. Yep. Yep. Okay. Yep. A financial gain. Yep. Okay. Wonderful. Yep. I did see an email from Oakview. Yes. Right. Okay. Okay. Cool. Okay. No. That sounds good. That's good. Yes. Yep. Yep. I I think I that's what I've spoke to the the last folk that I spoke to about it as well. I was quite happy to have, like, would would have been around about 80% in secured sort of investments and the other 20 percent just as a, you know, high risk sort of thing. You know? Yep. Yep. Okay. Yeah, mate. You you guys are the the experts at it. I, you know, leave that in your hands sort of thing. Yep. That's right. Yes. Yep. That's right. Yes. Yeah. Yeah. Yeah. I'm just hoping, you know, if it can go up, you know, 12% a year for the next five or six years, that'd probably give me enough to retire on with a pension type of thing. You know? Right. Yep. Okay. Yep. You know the sounds good. Yep. No. I could I could live with that. Yeah. Right. Yeah. No. I wouldn't like to do that. No. And let's say with the the way the world is at the moment, you know, you you just don't know what's gonna happen. Yep. Yep. No. Probably 70. 70 would be a good Stepping stones sort of thing, and we can yeah. That's right. Yes. Yeah. No. I I've just I've I've got a I think it's about a 140 invested, and I've I've got well, I had about 10,000 in my savings account, which I use along with my pension. I mean, that's gone down a couple of thousand this year just to buying a a second car and a few few payments that sort of came out of nowhere sort of thing. But I probably wouldn't need to sort of dip into the pension into my investment for the next couple of years, I'd hope. Return deposit with the Commonwealth Bank. It's I think it's at 4 percent or something like that. July, I think it is. July, I think it yeah. '26. Yep. Yeah. I've got a little Nissan X Trail. It's only valued a couple of thousand. No. No loans. It's no. Nothing nothing to speak of sort of thing. No. No. My son keeps on telling me to invest in it. But yeah. Yeah. Yep. Yep. That's right. Yes. Children. They're they're my children. Yes. Yep. Okay. Okay. Yep. Okay. Yeah. That that sounds there we go. Yeah. No. I like that. I like I like the idea of it. Wow. Yep. Yep. Alright. Yeah. Yep. Well, I'm not too sure. What what it was is I had I had cancer going back about twenty years ago, and they had to open my back up, but I had a cancerous cord right around my spine. Look. I couldn't work. I mean, you know, I had to had to work. I'm only good for a couple of hours a day sort of thing. Light duties, I can't lift anything too heavy and that sort of thing. So I I don't look. I don't think I'd ever be called on to go back to work. I was self employed. I had a battery business. I was wholesaling car and truck marine batteries. Yes. I was. Yeah. I was I was on the road in a van. Yep. Yep. Yeah. Yeah. No. No. No. I will give that a misfit. Yeah. Thanks. Yep. No. I'm the same. Yeah. I I had a will that I made up quite a while ago. Yeah. I I probably do need to update it. No. I I wouldn't have had at that point in time. Would not have had. Yeah. Yep. Yeah. Definitely. Yep. Yes. I do. Yep. Alright. No. No. It all all sounds pretty good. Yeah. No. All good. Yeah. I I thought actually was going to do it this year, but that got canceled. So but yeah. Maybe in the next twelve months. No. I'll just leave that role as it is. Yep. Okay. Yes. Yes. For sure. Alright. Great. No. Just just one when you call me back regarding taking the money out and put it back in, will it be on this number? No. Just that I'm I'm saving some of the I don't normally answer interstate calls, but I remember last time that the girl said, oh, it had come through on an 07 number, and I said, okay. No worries. You know? It's come through as a 0736679841. Just in yep. It's gonna be great. Yeah. That way I'd know if you guys and other other than that, if you if you do ring and I don't answer it, just leave a message because most of the electricity companies that are trying to talk here don't leave a message anyway sort of thing. You know? Either one. Either or either. It doesn't. Yes. It has it has come through just in my email. Tommy she did request. I see. Yep. Yep. You can see the NetWell device. Please consent. Yep. Yeah. Yeah. That's no problem. Do do you need me to sign this now? Yep. Alright. No. All good. Thank you.","confidence":0.9798369,"words":[{"word":"hello","start":2.6399999,"end":3.1399999,"confidence":0.90359604,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.03635537996888161},{"word":"good","start":8.88,"end":9.12,"confidence":0.9880956,"punctuated_word":"Good.","sentiment":"positive","sentiment_score":0.41283079981803894},{"word":"thank","start":9.12,"end":9.28,"confidence":0.996798,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6282346844673157},{"word":"you","start":9.28,"end":9.5199995,"confidence":0.99960357,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4684195518493652},{"word":"how","start":9.5199995,"end":9.679999,"confidence":0.99386626,"punctuated_word":"How","sentiment":"positive","sentiment_score":0.3376092314720154},{"word":"are","start":9.679999,"end":9.84,"confidence":0.99937266,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.28413909673690796},{"word":"you","start":9.84,"end":10.34,"confidence":0.999339,"punctuated_word":"you?","sentiment":"positive","sentiment_score":0.3968547582626343},{"word":"that's","start":14.559999,"end":14.865,"confidence":0.9701351,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12232880294322968},{"word":"okay","start":14.945,"end":15.445,"confidence":0.8602693,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.07707007974386215},{"word":"yep","start":19.345,"end":19.845,"confidence":0.9328549,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13388657569885254},{"word":"yeah","start":28.945,"end":29.185,"confidence":0.9949012,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.054191552102565765},{"word":"yeah","start":29.185,"end":29.425,"confidence":0.89053833,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06642963737249374},{"word":"sure","start":29.425,"end":29.925,"confidence":0.9969529,"punctuated_word":"Sure.","sentiment":"neutral","sentiment_score":0.09819260239601137},{"word":"11/19/1963","start":41.95,"end":44.45,"confidence":0.9617562,"punctuated_word":"11/19/1963.","sentiment":"neutral","sentiment_score":0.006979455705732107},{"word":"address","start":45.105003,"end":45.345,"confidence":0.9947214,"punctuated_word":"Address","sentiment":"neutral","sentiment_score":0.00805401150137186},{"word":"23","start":45.345,"end":46.145,"confidence":0.7631642,"punctuated_word":"23","sentiment":"neutral","sentiment_score":0.009700034745037556},{"word":"ingle","start":46.145,"end":46.545002,"confidence":0.8261223,"punctuated_word":"Ingle","sentiment":"neutral","sentiment_score":0.0147513747215271},{"word":"ring","start":46.545002,"end":46.865,"confidence":0.7197592,"punctuated_word":"Ring,","sentiment":"neutral","sentiment_score":0.015107812359929085},{"word":"culvera","start":46.865,"end":47.365,"confidence":0.72418904,"punctuated_word":"Culvera","sentiment":"neutral","sentiment_score":0.0354086272418499},{"word":"beach","start":47.905003,"end":48.145,"confidence":0.9913556,"punctuated_word":"Beach,","sentiment":"neutral","sentiment_score":0.027879023924469948},{"word":"new","start":48.145,"end":48.305,"confidence":0.9957153,"punctuated_word":"New","sentiment":"neutral","sentiment_score":0.03606768697500229},{"word":"south","start":48.305,"end":48.625,"confidence":0.99834156,"punctuated_word":"South","sentiment":"neutral","sentiment_score":0.03993180766701698},{"word":"wales","start":48.625,"end":49.125,"confidence":0.99928,"punctuated_word":"Wales.","sentiment":"neutral","sentiment_score":0.03241023048758507},{"word":"yep","start":58.145,"end":58.645,"confidence":0.9921212,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12834954261779785},{"word":"that's","start":58.945,"end":59.265,"confidence":0.98778486,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.28495073318481445},{"word":"good","start":59.265,"end":59.55,"confidence":0.8076915,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.367553174495697},{"word":"no","start":68.83,"end":69.07,"confidence":0.84701014,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.013651910237967968},{"word":"just","start":69.07,"end":69.47,"confidence":0.974536,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.01064179465174675},{"word":"walk","start":69.47,"end":69.79,"confidence":0.99277437,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":-0.0008596442639827728},{"word":"us","start":69.79,"end":69.95,"confidence":0.98469096,"punctuated_word":"us","sentiment":"neutral","sentiment_score":-0.003983791917562485},{"word":"through","start":69.95,"end":70.27,"confidence":0.9997068,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.009143801406025888},{"word":"what","start":70.27,"end":70.77,"confidence":0.99752563,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.020917298272252083},{"word":"documents","start":70.83,"end":71.33,"confidence":0.9910492,"punctuated_word":"documents","sentiment":"neutral","sentiment_score":-0.011277595534920692},{"word":"are","start":71.39,"end":71.47,"confidence":0.9546511,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.0026838518679142},{"word":"coming","start":71.47,"end":71.79,"confidence":0.99986863,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":-0.0034709274768829346},{"word":"through","start":71.79,"end":72.29,"confidence":0.9949781,"punctuated_word":"through.","sentiment":"neutral","sentiment_score":-0.001448528841137886},{"word":"yep","start":79.645004,"end":80.145004,"confidence":0.98932517,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10876943916082382},{"word":"yep","start":86.365005,"end":86.7,"confidence":0.981815,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0844670981168747},{"word":"okay","start":97.5,"end":98.0,"confidence":0.93137836,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06582094728946686},{"word":"yep","start":98.14,"end":98.64,"confidence":0.98965275,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08707922697067261},{"word":"a","start":106.954994,"end":107.19499,"confidence":0.791743,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.013909388333559036},{"word":"financial","start":107.19499,"end":107.674995,"confidence":0.9591285,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":-0.0003158152103424072},{"word":"gain","start":107.674995,"end":108.174995,"confidence":0.83560485,"punctuated_word":"gain.","sentiment":"neutral","sentiment_score":0.01174914464354515},{"word":"yep","start":122.090004,"end":122.590004,"confidence":0.96545184,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.05312760919332504},{"word":"okay","start":130.535,"end":131.015,"confidence":0.89802325,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.17907586693763733},{"word":"wonderful","start":131.015,"end":131.515,"confidence":0.9980887,"punctuated_word":"Wonderful.","sentiment":"neutral","sentiment_score":0.2262309342622757},{"word":"yep","start":134.535,"end":135.035,"confidence":0.98817503,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.39753127098083496},{"word":"i","start":172.71,"end":172.95,"confidence":0.69726264,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02762346714735031},{"word":"did","start":172.95,"end":173.19,"confidence":0.96652913,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.030757371336221695},{"word":"see","start":173.19,"end":173.35,"confidence":0.9650975,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.024061616510152817},{"word":"an","start":173.35,"end":173.51,"confidence":0.99738175,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.02450408600270748},{"word":"email","start":173.51,"end":173.83,"confidence":0.9991697,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.03302926570177078},{"word":"from","start":173.83,"end":174.07,"confidence":0.969922,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.018610583618283272},{"word":"oakview","start":174.07,"end":174.57,"confidence":0.8504506,"punctuated_word":"Oakview.","sentiment":"neutral","sentiment_score":0.031364087015390396},{"word":"yes","start":174.63,"end":175.125,"confidence":0.9939357,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.042679205536842346},{"word":"right","start":189.205,"end":189.51,"confidence":0.74315625,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.05713782459497452},{"word":"okay","start":204.87,"end":205.37,"confidence":0.9968152,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.018078511580824852},{"word":"okay","start":230.1,"end":230.6,"confidence":0.97171146,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.15749284625053406},{"word":"cool","start":235.655,"end":236.155,"confidence":0.78334725,"punctuated_word":"Cool.","sentiment":"positive","sentiment_score":0.4709520936012268},{"word":"okay","start":251.015,"end":251.515,"confidence":0.7547263,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.15330566465854645},{"word":"no","start":251.79001,"end":251.95,"confidence":0.7026809,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.12131188809871674},{"word":"that","start":251.95,"end":252.03,"confidence":0.79691356,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2579643726348877},{"word":"sounds","start":252.03,"end":252.53,"confidence":0.98616993,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":0.29442474246025085},{"word":"good","start":258.78998,"end":259.28998,"confidence":0.9994861,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.0242257546633482},{"word":"that's","start":265.55,"end":265.79,"confidence":0.9032104,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.7928604483604431},{"word":"good","start":265.79,"end":266.29,"confidence":0.99888206,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.73419588804245},{"word":"yes","start":266.35,"end":266.805,"confidence":0.9007657,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.24751964211463928},{"word":"yep","start":290.9,"end":291.22,"confidence":0.7878423,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06220334768295288},{"word":"yep","start":291.22,"end":291.72,"confidence":0.9947861,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07414115965366364},{"word":"i","start":291.78,"end":292.02002,"confidence":0.9211849,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0936899110674858},{"word":"i","start":292.02002,"end":292.1,"confidence":0.68463826,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10229959338903429},{"word":"think","start":292.1,"end":292.34,"confidence":0.99769056,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.08917376399040222},{"word":"i","start":292.34,"end":292.695,"confidence":0.7153276,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.12132002413272858},{"word":"that's","start":292.855,"end":293.095,"confidence":0.9606421,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.11131628602743147},{"word":"what","start":293.095,"end":293.17502,"confidence":0.9920764,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.11119385063648224},{"word":"i've","start":293.17502,"end":293.415,"confidence":0.760675,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.0909264236688614},{"word":"spoke","start":293.415,"end":293.815,"confidence":0.9780281,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.07273411005735397},{"word":"to","start":293.815,"end":294.215,"confidence":0.99943703,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09048543125391006},{"word":"the","start":294.215,"end":294.535,"confidence":0.47931606,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0905921906232834},{"word":"the","start":294.535,"end":294.61502,"confidence":0.88804346,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08303643018007278},{"word":"last","start":294.61502,"end":294.855,"confidence":0.99873954,"punctuated_word":"last","sentiment":"neutral","sentiment_score":0.07256142795085907},{"word":"folk","start":294.855,"end":295.095,"confidence":0.21760763,"punctuated_word":"folk","sentiment":"neutral","sentiment_score":0.08172234892845154},{"word":"that","start":295.095,"end":295.255,"confidence":0.99373156,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0974031314253807},{"word":"i","start":295.255,"end":295.33502,"confidence":0.9973447,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0857151448726654},{"word":"spoke","start":295.33502,"end":295.655,"confidence":0.99197,"punctuated_word":"spoke","sentiment":"neutral","sentiment_score":0.07477149367332458},{"word":"to","start":295.655,"end":295.815,"confidence":0.9958786,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.10332390666007996},{"word":"about","start":295.815,"end":296.055,"confidence":0.97833747,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.11266158521175385},{"word":"it","start":296.055,"end":296.295,"confidence":0.9958769,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.1441342979669571},{"word":"as","start":296.295,"end":296.535,"confidence":0.98916316,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.11550059169530869},{"word":"well","start":296.535,"end":297.035,"confidence":0.98755264,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.14480620622634888},{"word":"i","start":297.255,"end":297.415,"confidence":0.9893471,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4066608548164368},{"word":"was","start":297.415,"end":297.495,"confidence":0.99844825,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.3940274119377136},{"word":"quite","start":297.495,"end":297.815,"confidence":0.99956256,"punctuated_word":"quite","sentiment":"positive","sentiment_score":0.4100825488567352},{"word":"happy","start":297.815,"end":298.055,"confidence":0.9999366,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.4109374284744262},{"word":"to","start":298.055,"end":298.215,"confidence":0.9996613,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.35974550247192383},{"word":"have","start":298.215,"end":298.715,"confidence":0.79951423,"punctuated_word":"have,","sentiment":"positive","sentiment_score":0.3698197603225708},{"word":"like","start":298.855,"end":299.355,"confidence":0.69852316,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.3296382427215576},{"word":"would","start":300.45502,"end":300.695,"confidence":0.92619514,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.4207395017147064},{"word":"would","start":300.695,"end":300.855,"confidence":0.9349374,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.4387679696083069},{"word":"have","start":300.855,"end":301.015,"confidence":0.9693485,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.3300877511501312},{"word":"been","start":301.015,"end":301.17502,"confidence":0.9983187,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.3107411861419678},{"word":"around","start":301.17502,"end":301.415,"confidence":0.9958956,"punctuated_word":"around","sentiment":"positive","sentiment_score":0.3370261490345001},{"word":"about","start":301.415,"end":301.655,"confidence":0.9928092,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2349877953529358},{"word":"80%","start":301.655,"end":302.215,"confidence":0.9913125,"punctuated_word":"80%","sentiment":"neutral","sentiment_score":0.2684376835823059},{"word":"in","start":302.215,"end":302.715,"confidence":0.99683183,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.33603575825691223},{"word":"secured","start":304.295,"end":304.795,"confidence":0.95009226,"punctuated_word":"secured","sentiment":"neutral","sentiment_score":0.2075960487127304},{"word":"sort","start":305.015,"end":305.17502,"confidence":0.97247934,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2210131138563156},{"word":"of","start":305.17502,"end":305.46,"confidence":0.9994653,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2669264078140259},{"word":"investments","start":306.25998,"end":306.75998,"confidence":0.9950701,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.11946411430835724},{"word":"and","start":307.69998,"end":307.94,"confidence":0.5319309,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1687082797288895},{"word":"the","start":307.94,"end":308.1,"confidence":0.99977225,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17044657468795776},{"word":"other","start":308.1,"end":308.34,"confidence":0.99978095,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.16750669479370117},{"word":"20","start":308.34,"end":308.66,"confidence":0.9993724,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.21298573911190033},{"word":"percent","start":308.66,"end":309.13998,"confidence":0.9981822,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.07050930708646774},{"word":"just","start":309.13998,"end":309.38,"confidence":0.9666068,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0986463576555252},{"word":"as","start":309.38,"end":309.88,"confidence":0.9479501,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.12454687803983688},{"word":"a","start":310.18,"end":310.58,"confidence":0.72654605,"punctuated_word":"a,","sentiment":"neutral","sentiment_score":0.11155574768781662},{"word":"you","start":310.58,"end":310.74,"confidence":0.9405023,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.043945226818323135},{"word":"know","start":310.74,"end":311.24,"confidence":0.99871266,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.08708096295595169},{"word":"high","start":313.86,"end":314.09998,"confidence":0.8649615,"punctuated_word":"high","sentiment":"neutral","sentiment_score":0.07644114643335342},{"word":"risk","start":314.09998,"end":314.34,"confidence":0.99860483,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.09159234166145323},{"word":"sort","start":314.34,"end":314.58,"confidence":0.9937815,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09664229303598404},{"word":"of","start":314.58,"end":314.74,"confidence":0.9968497,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11335241049528122},{"word":"thing","start":314.74,"end":314.97998,"confidence":0.8501773,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.1318286508321762},{"word":"you","start":314.97998,"end":315.06,"confidence":0.9347428,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.04390715807676315},{"word":"know","start":315.06,"end":315.56,"confidence":0.99492145,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.09108568727970125},{"word":"yep","start":324.615,"end":325.115,"confidence":0.9902853,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08597324788570404},{"word":"yep","start":347.13,"end":347.415,"confidence":0.9343709,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0339023694396019},{"word":"okay","start":353.17502,"end":353.67502,"confidence":0.847346,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.06020308658480644},{"word":"yeah","start":354.535,"end":354.855,"confidence":0.9122796,"punctuated_word":"Yeah,","sentiment":"neutral","sentiment_score":0.08060172200202942},{"word":"mate","start":354.855,"end":355.17502,"confidence":0.96869576,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":0.09380173683166504},{"word":"you","start":355.17502,"end":355.415,"confidence":0.79382044,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.11671870201826096},{"word":"you","start":355.415,"end":355.655,"confidence":0.74977106,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.11583229899406432},{"word":"guys","start":355.655,"end":355.975,"confidence":0.99513584,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.1409025639295578},{"word":"are","start":355.975,"end":356.055,"confidence":0.9905867,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.12719111144542694},{"word":"the","start":356.055,"end":356.375,"confidence":0.98461956,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11414309591054916},{"word":"the","start":356.375,"end":356.535,"confidence":0.6228705,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1095699816942215},{"word":"experts","start":356.535,"end":357.015,"confidence":0.9489903,"punctuated_word":"experts","sentiment":"neutral","sentiment_score":0.11597572267055511},{"word":"at","start":357.015,"end":357.095,"confidence":0.3472318,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.14357495307922363},{"word":"it","start":357.095,"end":357.415,"confidence":0.9100319,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.11690814793109894},{"word":"i","start":357.415,"end":357.495,"confidence":0.64186954,"punctuated_word":"I,","sentiment":"neutral","sentiment_score":0.11957310885190964},{"word":"you","start":358.695,"end":358.935,"confidence":0.9665423,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.10663659125566484},{"word":"know","start":358.935,"end":359.415,"confidence":0.98479056,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.11440441012382507},{"word":"leave","start":359.415,"end":359.655,"confidence":0.5817285,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":0.1187395229935646},{"word":"that","start":359.655,"end":359.815,"confidence":0.98917145,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10339073836803436},{"word":"in","start":359.815,"end":359.975,"confidence":0.9956519,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08540104329586029},{"word":"your","start":359.975,"end":360.135,"confidence":0.99655885,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09660352766513824},{"word":"hands","start":360.135,"end":360.45502,"confidence":0.55982536,"punctuated_word":"hands","sentiment":"neutral","sentiment_score":0.09202007204294203},{"word":"sort","start":360.45502,"end":360.695,"confidence":0.5448726,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.056199654936790466},{"word":"of","start":360.695,"end":360.855,"confidence":0.96858215,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.060496985912323},{"word":"thing","start":360.855,"end":361.355,"confidence":0.9285027,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.1014954075217247},{"word":"yep","start":368.80002,"end":369.30002,"confidence":0.770842,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06300796568393707},{"word":"that's","start":377.97498,"end":378.215,"confidence":0.8620397,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.05474018305540085},{"word":"right","start":378.215,"end":378.715,"confidence":0.996091,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.07030348479747772},{"word":"yes","start":379.495,"end":379.995,"confidence":0.80937505,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.059341542422771454},{"word":"yep","start":380.775,"end":381.275,"confidence":0.9593195,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11610069125890732},{"word":"that's","start":382.455,"end":382.69498,"confidence":0.97806364,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.1259518563747406},{"word":"right","start":382.69498,"end":383.01498,"confidence":0.9985875,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.13823765516281128},{"word":"yes","start":383.01498,"end":383.51498,"confidence":0.9990407,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.10785519331693648},{"word":"yeah","start":392.29498,"end":392.53497,"confidence":0.9709569,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1354471743106842},{"word":"yeah","start":392.53497,"end":392.775,"confidence":0.98764944,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.08870024979114532},{"word":"yeah","start":392.775,"end":393.275,"confidence":0.9691192,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1037047952413559},{"word":"i'm","start":393.45,"end":393.69,"confidence":0.9816525,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.11764271557331084},{"word":"just","start":393.69,"end":393.85,"confidence":0.75152785,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06703359633684158},{"word":"hoping","start":393.85,"end":394.35,"confidence":0.7503165,"punctuated_word":"hoping,","sentiment":"neutral","sentiment_score":0.1138020157814026},{"word":"you","start":394.41,"end":394.49002,"confidence":0.99084103,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.101251021027565},{"word":"know","start":394.49002,"end":394.73,"confidence":0.9959653,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.10601631551980972},{"word":"if","start":394.73,"end":394.97,"confidence":0.97866505,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2004273384809494},{"word":"it","start":394.97,"end":395.05002,"confidence":0.5705502,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21381661295890808},{"word":"can","start":395.05002,"end":395.13,"confidence":0.92374706,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1458432823419571},{"word":"go","start":395.13,"end":395.29,"confidence":0.9990299,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.2245016247034073},{"word":"up","start":395.29,"end":395.61002,"confidence":0.99228764,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.1434943526983261},{"word":"you","start":395.61002,"end":395.69,"confidence":0.9993381,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08321529626846313},{"word":"know","start":395.69,"end":395.93002,"confidence":0.9996139,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.10971140116453172},{"word":"12%","start":395.93002,"end":397.45,"confidence":0.9801515,"punctuated_word":"12%","sentiment":"neutral","sentiment_score":0.197582945227623},{"word":"a","start":397.45,"end":397.53,"confidence":0.82968146,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1697213351726532},{"word":"year","start":397.53,"end":397.77002,"confidence":0.8299918,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.16352541744709015},{"word":"for","start":397.77002,"end":397.93002,"confidence":0.99692,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.10673018544912338},{"word":"the","start":397.93002,"end":398.17,"confidence":0.9998299,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10805309563875198},{"word":"next","start":398.17,"end":398.67,"confidence":0.9998764,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.09071444720029832},{"word":"five","start":399.13,"end":399.37003,"confidence":0.9991461,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.10147761553525925},{"word":"or","start":399.37003,"end":399.53,"confidence":0.98978466,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.09585129469633102},{"word":"six","start":399.53,"end":399.77002,"confidence":0.9998659,"punctuated_word":"six","sentiment":"neutral","sentiment_score":0.09301058948040009},{"word":"years","start":399.77002,"end":400.27002,"confidence":0.90778804,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.12339137494564056},{"word":"that'd","start":402.89,"end":403.21002,"confidence":0.67699295,"punctuated_word":"that'd","sentiment":"neutral","sentiment_score":0.14642153680324554},{"word":"probably","start":403.21002,"end":403.61002,"confidence":0.99761885,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.17173759639263153},{"word":"give","start":403.61002,"end":403.77002,"confidence":0.9945939,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.10072510689496994},{"word":"me","start":403.77002,"end":403.85,"confidence":0.99932575,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.10045945644378662},{"word":"enough","start":403.85,"end":404.25,"confidence":0.99937207,"punctuated_word":"enough","sentiment":"neutral","sentiment_score":0.12039783596992493},{"word":"to","start":404.25,"end":404.41,"confidence":0.99942374,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.132123664021492},{"word":"retire","start":404.41,"end":404.89,"confidence":0.99948186,"punctuated_word":"retire","sentiment":"neutral","sentiment_score":0.12200569361448288},{"word":"on","start":404.89,"end":405.39,"confidence":0.995994,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.10846653580665588},{"word":"with","start":405.69,"end":405.85,"confidence":0.9458431,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.06864777207374573},{"word":"a","start":405.85,"end":406.01,"confidence":0.8679973,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08098754286766052},{"word":"pension","start":406.01,"end":406.49002,"confidence":0.99978036,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.11101318895816804},{"word":"type","start":406.49002,"end":406.815,"confidence":0.99566865,"punctuated_word":"type","sentiment":"neutral","sentiment_score":0.033356085419654846},{"word":"of","start":406.815,"end":407.315,"confidence":0.901277,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04999227821826935},{"word":"thing","start":410.47876,"end":410.97876,"confidence":0.93241304,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.19412705302238464},{"word":"you","start":414.14252,"end":414.64252,"confidence":0.9952436,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.08058959245681763},{"word":"know","start":417.80624,"end":418.30624,"confidence":0.9956298,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.1112557053565979},{"word":"right","start":430.35,"end":430.85,"confidence":0.99709773,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.005461204797029495},{"word":"yep","start":437.365,"end":437.865,"confidence":0.99724483,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.011165959760546684},{"word":"okay","start":445.76498,"end":446.26498,"confidence":0.9996414,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.0528310090303421},{"word":"yep","start":460.9,"end":461.235,"confidence":0.9162288,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12025010585784912},{"word":"you","start":462.91498,"end":463.07498,"confidence":0.61693937,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.12743760645389557},{"word":"know","start":463.07498,"end":463.31497,"confidence":0.9787779,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.11433987319469452},{"word":"the","start":463.31497,"end":463.47498,"confidence":0.46894515,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15280605852603912},{"word":"sounds","start":463.47498,"end":463.79498,"confidence":0.3048591,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":0.15392450988292694},{"word":"good","start":463.79498,"end":464.29498,"confidence":0.91427106,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.12934106588363647},{"word":"yep","start":469.875,"end":470.375,"confidence":0.9340354,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.014331652782857418},{"word":"no","start":470.51498,"end":470.59497,"confidence":0.8808448,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.17466513812541962},{"word":"i","start":470.59497,"end":470.675,"confidence":0.99653685,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2494191825389862},{"word":"could","start":470.675,"end":470.91498,"confidence":0.83768827,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.1678456962108612},{"word":"i","start":470.91498,"end":471.07498,"confidence":0.9158991,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2084001749753952},{"word":"could","start":471.07498,"end":471.235,"confidence":0.96959656,"punctuated_word":"could","sentiment":"neutral","sentiment_score":-0.21018454432487488},{"word":"live","start":471.235,"end":471.395,"confidence":0.6886691,"punctuated_word":"live","sentiment":"neutral","sentiment_score":-0.27364832162857056},{"word":"with","start":471.395,"end":471.555,"confidence":0.9964206,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.21977803111076355},{"word":"that","start":471.555,"end":472.055,"confidence":0.9986299,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.1448306441307068},{"word":"yeah","start":488.29,"end":488.69,"confidence":0.9069005,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.11443942785263062},{"word":"right","start":488.69,"end":489.045,"confidence":0.693987,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":-0.11368826031684875},{"word":"yeah","start":491.125,"end":491.605,"confidence":0.9638065,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.15987935662269592},{"word":"no","start":491.605,"end":492.105,"confidence":0.95072186,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.4323102831840515},{"word":"i","start":493.20502,"end":493.285,"confidence":0.7414205,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.5183719992637634},{"word":"wouldn't","start":493.285,"end":493.605,"confidence":0.99049485,"punctuated_word":"wouldn't","sentiment":"negative","sentiment_score":-0.4397466778755188},{"word":"like","start":493.605,"end":493.845,"confidence":0.8712607,"punctuated_word":"like","sentiment":"negative","sentiment_score":-0.5167735815048218},{"word":"to","start":493.845,"end":494.005,"confidence":0.99936503,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.5305690169334412},{"word":"do","start":494.005,"end":494.165,"confidence":0.99953234,"punctuated_word":"do","sentiment":"negative","sentiment_score":-0.5646234750747681},{"word":"that","start":494.165,"end":494.665,"confidence":0.99920845,"punctuated_word":"that.","sentiment":"negative","sentiment_score":-0.4505713880062103},{"word":"no","start":499.045,"end":499.285,"confidence":0.9199898,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.14897002279758453},{"word":"and","start":499.285,"end":499.52502,"confidence":0.6294056,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.11776077747344972},{"word":"let's","start":499.52502,"end":499.765,"confidence":0.6029372,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":-0.0981256514787674},{"word":"say","start":499.765,"end":500.005,"confidence":0.58001953,"punctuated_word":"say","sentiment":"neutral","sentiment_score":-0.09231223165988922},{"word":"with","start":500.005,"end":500.24503,"confidence":0.8426639,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.07246595621109009},{"word":"the","start":500.24503,"end":500.48502,"confidence":0.9786245,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07867614924907684},{"word":"the","start":500.48502,"end":500.64502,"confidence":0.85529834,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0935269370675087},{"word":"way","start":500.64502,"end":500.885,"confidence":0.7088849,"punctuated_word":"way","sentiment":"neutral","sentiment_score":-0.0949649140238762},{"word":"the","start":500.885,"end":501.045,"confidence":0.58057,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06433486938476562},{"word":"world","start":501.045,"end":501.36502,"confidence":0.975289,"punctuated_word":"world","sentiment":"neutral","sentiment_score":-0.06450621783733368},{"word":"is","start":501.36502,"end":501.52502,"confidence":0.9657797,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.11418631672859192},{"word":"at","start":501.52502,"end":501.765,"confidence":0.9778817,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.1642710566520691},{"word":"the","start":501.765,"end":501.92502,"confidence":0.9992318,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14526429772377014},{"word":"moment","start":501.92502,"end":502.42502,"confidence":0.75038373,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":-0.14644742012023926},{"word":"you","start":502.47,"end":502.97,"confidence":0.91688657,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.15403757989406586},{"word":"know","start":503.27,"end":503.51,"confidence":0.9816982,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.1556926667690277},{"word":"you","start":503.51,"end":503.75,"confidence":0.9983267,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.1858167052268982},{"word":"you","start":503.75,"end":503.83,"confidence":0.8146002,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17970390617847443},{"word":"just","start":503.83,"end":503.99,"confidence":0.9991359,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.14948716759681702},{"word":"don't","start":503.99,"end":504.23,"confidence":0.9993138,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1404305100440979},{"word":"know","start":504.23,"end":504.39,"confidence":0.9994572,"punctuated_word":"know","sentiment":"neutral","sentiment_score":-0.1817290335893631},{"word":"what's","start":504.39,"end":504.63,"confidence":0.99978983,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":-0.19786524772644043},{"word":"gonna","start":504.63,"end":505.13,"confidence":0.9419597,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.17528918385505676},{"word":"happen","start":510.79,"end":511.29,"confidence":0.9988529,"punctuated_word":"happen.","sentiment":"neutral","sentiment_score":-0.07579044997692108},{"word":"yep","start":512.95,"end":513.45,"confidence":0.9325234,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13576212525367737},{"word":"yep","start":527.965,"end":528.365,"confidence":0.74676675,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.10117002576589584},{"word":"no","start":528.365,"end":528.605,"confidence":0.89153075,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.042584292590618134},{"word":"probably","start":528.605,"end":529.105,"confidence":0.67269945,"punctuated_word":"Probably","sentiment":"neutral","sentiment_score":0.0662086233496666},{"word":"70","start":529.245,"end":529.745,"confidence":0.84521496,"punctuated_word":"70.","sentiment":"neutral","sentiment_score":0.06228103116154671},{"word":"70","start":529.805,"end":530.28503,"confidence":0.99322176,"punctuated_word":"70","sentiment":"neutral","sentiment_score":0.1616816222667694},{"word":"would","start":530.28503,"end":530.365,"confidence":0.81209105,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.1988132894039154},{"word":"be","start":530.365,"end":530.525,"confidence":0.9992143,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2181812971830368},{"word":"a","start":530.525,"end":530.605,"confidence":0.66040486,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.219803050160408},{"word":"good","start":530.605,"end":531.105,"confidence":0.9997181,"punctuated_word":"good","sentiment":"neutral","sentiment_score":0.2465280294418335},{"word":"stepping","start":531.83,"end":532.15,"confidence":0.99702615,"punctuated_word":"Stepping","sentiment":"neutral","sentiment_score":0.07242503017187119},{"word":"stones","start":532.15,"end":532.47003,"confidence":0.73442096,"punctuated_word":"stones","sentiment":"neutral","sentiment_score":0.06844501942396164},{"word":"sort","start":532.47003,"end":532.63,"confidence":0.26598305,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.09308283030986786},{"word":"of","start":532.63,"end":532.79004,"confidence":0.954979,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07343513518571854},{"word":"thing","start":532.79004,"end":532.95,"confidence":0.7000035,"punctuated_word":"thing,","sentiment":"neutral","sentiment_score":0.1009797304868698},{"word":"and","start":532.95,"end":533.03,"confidence":0.96371645,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06651495397090912},{"word":"we","start":533.03,"end":533.11005,"confidence":0.99256647,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.08918546885251999},{"word":"can","start":533.11005,"end":533.61005,"confidence":0.71387535,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.0930279791355133},{"word":"yeah","start":534.87,"end":535.37,"confidence":0.6824615,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.13252602517604828},{"word":"that's","start":550.565,"end":550.805,"confidence":0.8144939,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.12063994258642197},{"word":"right","start":550.805,"end":551.20496,"confidence":0.9907855,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.14902275800704956},{"word":"yes","start":551.20496,"end":551.70496,"confidence":0.9958639,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.21190175414085388},{"word":"yeah","start":559.23,"end":559.47,"confidence":0.99599737,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06361913681030273},{"word":"no","start":559.47,"end":559.95,"confidence":0.9708438,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.0005551353096961975},{"word":"i","start":559.95,"end":560.11,"confidence":0.9980452,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.006831549108028412},{"word":"i've","start":560.35,"end":560.58997,"confidence":0.83308625,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.007339204661548138},{"word":"just","start":560.58997,"end":560.83,"confidence":0.9898094,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.03556123748421669},{"word":"i've","start":560.99,"end":561.49,"confidence":0.91580606,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":-0.006228487007319927},{"word":"i've","start":561.87,"end":561.95,"confidence":0.9055059,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.02018924057483673},{"word":"got","start":561.95,"end":562.07,"confidence":0.9639551,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.007069230079650879},{"word":"a","start":562.07,"end":562.19,"confidence":0.82586956,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.006272520869970322},{"word":"i","start":562.51,"end":562.67,"confidence":0.990531,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0033585429191589355},{"word":"think","start":562.67,"end":562.83,"confidence":0.9990746,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.007921621203422546},{"word":"it's","start":562.83,"end":563.07,"confidence":0.98884094,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.003070662496611476},{"word":"about","start":563.07,"end":563.23,"confidence":0.99445736,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.01919969543814659},{"word":"a","start":563.23,"end":563.31,"confidence":0.85552156,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.006875177845358849},{"word":"140","start":563.31,"end":564.11,"confidence":0.99569327,"punctuated_word":"140","sentiment":"neutral","sentiment_score":0.01420629769563675},{"word":"invested","start":564.11,"end":564.61,"confidence":0.8731236,"punctuated_word":"invested,","sentiment":"neutral","sentiment_score":0.013873878866434096},{"word":"and","start":564.75,"end":565.07,"confidence":0.9993777,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.003841981291770935},{"word":"i've","start":565.07,"end":565.31,"confidence":0.99948895,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.02957113087177277},{"word":"i've","start":565.31,"end":565.63,"confidence":0.99702346,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.0564948245882988},{"word":"got","start":565.63,"end":566.02997,"confidence":0.99958426,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.07346458733081818},{"word":"well","start":566.19,"end":566.43,"confidence":0.9835665,"punctuated_word":"well,","sentiment":"neutral","sentiment_score":0.07501009106636047},{"word":"i","start":566.43,"end":566.51,"confidence":0.9984541,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.05533906817436218},{"word":"had","start":566.51,"end":566.75,"confidence":0.9988514,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.04103565216064453},{"word":"about","start":566.75,"end":566.99,"confidence":0.9997702,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.042659059166908264},{"word":"10,000","start":566.99,"end":567.63,"confidence":0.9996912,"punctuated_word":"10,000","sentiment":"neutral","sentiment_score":0.09953024983406068},{"word":"in","start":567.63,"end":567.87,"confidence":0.99890804,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0810200572013855},{"word":"my","start":567.87,"end":568.11,"confidence":0.99903786,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.05726359784603119},{"word":"savings","start":568.11,"end":568.58997,"confidence":0.9996146,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.02658875286579132},{"word":"account","start":568.58997,"end":568.83,"confidence":0.9351549,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.0326564759016037},{"word":"which","start":568.83,"end":569.07,"confidence":0.99990094,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.099217027425766},{"word":"i","start":569.07,"end":569.23,"confidence":0.99692494,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.08170151710510254},{"word":"use","start":569.23,"end":569.73,"confidence":0.7676603,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.14404171705245972},{"word":"along","start":570.11,"end":570.43,"confidence":0.9948775,"punctuated_word":"along","sentiment":"neutral","sentiment_score":0.06185699254274368},{"word":"with","start":570.43,"end":570.58997,"confidence":0.99789727,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.05657298117876053},{"word":"my","start":570.58997,"end":570.75,"confidence":0.9993728,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.07377272099256516},{"word":"pension","start":570.75,"end":571.14996,"confidence":0.9954206,"punctuated_word":"pension.","sentiment":"neutral","sentiment_score":0.05261962115764618},{"word":"i","start":571.14996,"end":571.23,"confidence":0.97893244,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02008187770843506},{"word":"mean","start":571.23,"end":571.39,"confidence":0.9935524,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":0.04345168173313141},{"word":"that's","start":571.39,"end":571.70996,"confidence":0.99950224,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.06237897276878357},{"word":"gone","start":571.70996,"end":571.95,"confidence":0.9631874,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.12669341266155243},{"word":"down","start":571.95,"end":572.19,"confidence":0.9993061,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.06579122692346573},{"word":"a","start":572.19,"end":572.35,"confidence":0.9991334,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01803049817681313},{"word":"couple","start":572.35,"end":572.67,"confidence":0.9999312,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.01398652046918869},{"word":"of","start":572.67,"end":572.83,"confidence":0.9924805,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.022313766181468964},{"word":"thousand","start":572.83,"end":573.23,"confidence":0.9963864,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":-0.008048519492149353},{"word":"this","start":573.23,"end":573.47,"confidence":0.9982304,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0012805834412574768},{"word":"year","start":573.47,"end":573.97,"confidence":0.99956197,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.029117494821548465},{"word":"just","start":574.805,"end":575.045,"confidence":0.9984168,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.0008989349007606506},{"word":"to","start":575.045,"end":575.205,"confidence":0.991819,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.004502199590206146},{"word":"buying","start":575.205,"end":575.705,"confidence":0.94081116,"punctuated_word":"buying","sentiment":"neutral","sentiment_score":0.030241556465625763},{"word":"a","start":576.005,"end":576.165,"confidence":0.9989248,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.007276777178049088},{"word":"a","start":576.165,"end":576.245,"confidence":0.67831105,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.013912931084632874},{"word":"second","start":576.245,"end":576.725,"confidence":0.9975305,"punctuated_word":"second","sentiment":"neutral","sentiment_score":0.025395601987838745},{"word":"car","start":576.725,"end":577.125,"confidence":0.9991398,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.04223032295703888},{"word":"and","start":577.125,"end":577.625,"confidence":0.97418797,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.009426191449165344},{"word":"a","start":578.485,"end":578.725,"confidence":0.9686215,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.025737814605236053},{"word":"few","start":578.725,"end":579.225,"confidence":0.98827714,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.006089784204959869},{"word":"few","start":580.165,"end":580.40497,"confidence":0.95568866,"punctuated_word":"few","sentiment":"neutral","sentiment_score":-0.023001842200756073},{"word":"payments","start":580.40497,"end":580.885,"confidence":0.99880505,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":-0.017810963094234467},{"word":"that","start":580.885,"end":581.125,"confidence":0.9526451,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.024807684123516083},{"word":"sort","start":581.125,"end":581.625,"confidence":0.97830325,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.02769305557012558},{"word":"of","start":581.845,"end":582.005,"confidence":0.99332494,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.015969306230545044},{"word":"came","start":582.005,"end":582.245,"confidence":0.9949944,"punctuated_word":"came","sentiment":"neutral","sentiment_score":0.03697650134563446},{"word":"out","start":582.245,"end":582.40497,"confidence":0.9989919,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.021404772996902462},{"word":"of","start":582.40497,"end":582.565,"confidence":0.9581926,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.009883403778076172},{"word":"nowhere","start":582.565,"end":582.885,"confidence":0.9752305,"punctuated_word":"nowhere","sentiment":"neutral","sentiment_score":-0.0714552253484726},{"word":"sort","start":582.885,"end":583.125,"confidence":0.96675617,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.002027571201324463},{"word":"of","start":583.125,"end":583.205,"confidence":0.9806512,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.001207701861858368},{"word":"thing","start":583.205,"end":583.705,"confidence":0.9165509,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.023604165762662888},{"word":"but","start":583.845,"end":584.345,"confidence":0.98546785,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.05193774402141571},{"word":"i","start":585.685,"end":585.845,"confidence":0.95451605,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.034704796969890594},{"word":"probably","start":585.845,"end":586.245,"confidence":0.991991,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.02526675909757614},{"word":"wouldn't","start":586.245,"end":586.745,"confidence":0.99964213,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":0.011763486079871656},{"word":"need","start":587.045,"end":587.445,"confidence":0.99950576,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.005771070718765259},{"word":"to","start":587.445,"end":587.845,"confidence":0.99929965,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.034769028425216675},{"word":"sort","start":587.845,"end":588.005,"confidence":0.98959327,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.05895574390888214},{"word":"of","start":588.005,"end":588.245,"confidence":0.9770708,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.050807952880859375},{"word":"dip","start":588.245,"end":588.40497,"confidence":0.9839516,"punctuated_word":"dip","sentiment":"neutral","sentiment_score":-0.040926627814769745},{"word":"into","start":588.40497,"end":588.725,"confidence":0.99733293,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.06908484548330307},{"word":"the","start":588.725,"end":588.805,"confidence":0.99942183,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.03297080844640732},{"word":"pension","start":588.805,"end":589.305,"confidence":0.99932337,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":-0.020030073821544647},{"word":"into","start":589.81,"end":590.31,"confidence":0.9264066,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.024538107216358185},{"word":"my","start":591.49,"end":591.81,"confidence":0.9684415,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.01536143571138382},{"word":"investment","start":591.81,"end":592.31,"confidence":0.9758478,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.007327638566493988},{"word":"for","start":592.93,"end":593.17,"confidence":0.92487377,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.0021471604704856873},{"word":"the","start":593.17,"end":593.25,"confidence":0.9988703,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.016576513648033142},{"word":"next","start":593.25,"end":593.49,"confidence":0.9996489,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.006065703928470612},{"word":"couple","start":593.49,"end":593.81,"confidence":0.9994795,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.004972666501998901},{"word":"of","start":593.81,"end":593.88995,"confidence":0.94483215,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.014046445488929749},{"word":"years","start":593.88995,"end":594.12994,"confidence":0.85774374,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.03492800146341324},{"word":"i'd","start":594.12994,"end":594.29,"confidence":0.7347809,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.04521944373846054},{"word":"hope","start":594.29,"end":594.79,"confidence":0.9817933,"punctuated_word":"hope.","sentiment":"neutral","sentiment_score":0.0271122008562088},{"word":"return","start":608.785,"end":609.185,"confidence":0.8745292,"punctuated_word":"Return","sentiment":"neutral","sentiment_score":0.022565849125385284},{"word":"deposit","start":609.185,"end":609.665,"confidence":0.99801147,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":0.027836505323648453},{"word":"with","start":609.665,"end":609.985,"confidence":0.9942374,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.026896338909864426},{"word":"the","start":609.985,"end":610.065,"confidence":0.95326275,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02969469502568245},{"word":"commonwealth","start":610.065,"end":610.565,"confidence":0.9930206,"punctuated_word":"Commonwealth","sentiment":"neutral","sentiment_score":0.08171087503433228},{"word":"bank","start":610.705,"end":610.945,"confidence":0.8457451,"punctuated_word":"Bank.","sentiment":"neutral","sentiment_score":0.0581488162279129},{"word":"it's","start":610.945,"end":611.185,"confidence":0.9491669,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.0692223384976387},{"word":"i","start":611.345,"end":611.505,"confidence":0.9879775,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07183751463890076},{"word":"think","start":611.505,"end":611.665,"confidence":0.97997904,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.05331985279917717},{"word":"it's","start":611.665,"end":611.90497,"confidence":0.9791901,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06211851164698601},{"word":"at","start":611.90497,"end":612.14496,"confidence":0.9795857,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.062343064695596695},{"word":"4","start":612.14496,"end":612.305,"confidence":0.998887,"punctuated_word":"4","sentiment":"neutral","sentiment_score":0.0609147734940052},{"word":"percent","start":612.305,"end":612.705,"confidence":0.99959284,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.06333667039871216},{"word":"or","start":612.705,"end":612.785,"confidence":0.99679345,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.06637987494468689},{"word":"something","start":612.785,"end":613.105,"confidence":0.999931,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.032397910952568054},{"word":"like","start":613.105,"end":613.345,"confidence":0.9995859,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.04627826064825058},{"word":"that","start":613.345,"end":613.74,"confidence":0.99832773,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.05659051984548569},{"word":"july","start":618.77997,"end":619.27997,"confidence":0.6044769,"punctuated_word":"July,","sentiment":"neutral","sentiment_score":-0.03104502335190773},{"word":"i","start":619.74,"end":619.82,"confidence":0.98443145,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.017041321843862534},{"word":"think","start":619.82,"end":620.06,"confidence":0.9939492,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.002023965120315552},{"word":"it","start":620.06,"end":620.14,"confidence":0.9607847,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.002139855176210403},{"word":"is","start":620.14,"end":620.64,"confidence":0.9370613,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.0006074104458093643},{"word":"july","start":621.42,"end":621.82,"confidence":0.94639826,"punctuated_word":"July,","sentiment":"neutral","sentiment_score":0.02270538359880447},{"word":"i","start":621.82,"end":621.89996,"confidence":0.9975133,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.032236091792583466},{"word":"think","start":621.89996,"end":622.14,"confidence":0.9994438,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.026351528242230415},{"word":"it","start":622.14,"end":622.64,"confidence":0.8457552,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.033115454018116},{"word":"yeah","start":623.1,"end":623.5,"confidence":0.8798709,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.0358855165541172},{"word":"'26","start":623.5,"end":624.39996,"confidence":0.6739911,"punctuated_word":"'26.","sentiment":"neutral","sentiment_score":0.020805098116397858},{"word":"yep","start":634.605,"end":635.105,"confidence":0.9453878,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04514215514063835},{"word":"yeah","start":635.165,"end":635.565,"confidence":0.98716426,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0512278713285923},{"word":"i've","start":635.565,"end":635.725,"confidence":0.99902976,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.059425145387649536},{"word":"got","start":635.725,"end":635.965,"confidence":0.99953914,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.05454627051949501},{"word":"a","start":635.965,"end":636.465,"confidence":0.9992061,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06386281549930573},{"word":"little","start":636.525,"end":637.025,"confidence":0.87152356,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.08723662793636322},{"word":"nissan","start":637.165,"end":637.565,"confidence":0.9492119,"punctuated_word":"Nissan","sentiment":"neutral","sentiment_score":0.07778525352478027},{"word":"x","start":637.565,"end":637.725,"confidence":0.7031886,"punctuated_word":"X","sentiment":"neutral","sentiment_score":0.07139836251735687},{"word":"trail","start":637.725,"end":638.225,"confidence":0.978557,"punctuated_word":"Trail.","sentiment":"neutral","sentiment_score":0.06688179820775986},{"word":"it's","start":639.3,"end":639.46,"confidence":0.9682139,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.04795790836215019},{"word":"only","start":639.46,"end":639.86,"confidence":0.951437,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.020857147872447968},{"word":"valued","start":639.86,"end":640.34,"confidence":0.9482656,"punctuated_word":"valued","sentiment":"neutral","sentiment_score":0.05629933252930641},{"word":"a","start":640.34,"end":640.5,"confidence":0.74194485,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07535596191883087},{"word":"couple","start":640.5,"end":640.74,"confidence":0.9982571,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.0473375990986824},{"word":"of","start":640.74,"end":640.82,"confidence":0.98911077,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05723269656300545},{"word":"thousand","start":640.82,"end":641.3,"confidence":0.7314682,"punctuated_word":"thousand.","sentiment":"neutral","sentiment_score":0.05228421837091446},{"word":"no","start":641.3,"end":641.8,"confidence":0.8950715,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.00857747532427311},{"word":"no","start":648.98,"end":649.14,"confidence":0.91467464,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.154616579413414},{"word":"loans","start":649.14,"end":649.64,"confidence":0.9670136,"punctuated_word":"loans.","sentiment":"neutral","sentiment_score":-0.08388768136501312},{"word":"it's","start":652.42,"end":652.905,"confidence":0.7951138,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.11845645308494568},{"word":"no","start":653.705,"end":653.945,"confidence":0.9761711,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.18050161004066467},{"word":"nothing","start":653.945,"end":654.265,"confidence":0.8358647,"punctuated_word":"Nothing","sentiment":"neutral","sentiment_score":-0.14150401949882507},{"word":"nothing","start":654.265,"end":654.765,"confidence":0.7756495,"punctuated_word":"nothing","sentiment":"neutral","sentiment_score":-0.16449761390686035},{"word":"to","start":655.945,"end":656.18506,"confidence":0.9765679,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.14086642861366272},{"word":"speak","start":656.18506,"end":656.505,"confidence":0.9972475,"punctuated_word":"speak","sentiment":"neutral","sentiment_score":-0.15216295421123505},{"word":"of","start":656.505,"end":656.825,"confidence":0.9318289,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.15674877166748047},{"word":"sort","start":656.825,"end":657.065,"confidence":0.82491326,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.17542454600334167},{"word":"of","start":657.065,"end":657.54504,"confidence":0.98235655,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.14848800003528595},{"word":"thing","start":657.54504,"end":658.04504,"confidence":0.99071825,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.08892884850502014},{"word":"no","start":662.42505,"end":662.585,"confidence":0.98340964,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12908601760864258},{"word":"no","start":662.585,"end":663.085,"confidence":0.9843923,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.16649878025054932},{"word":"my","start":664.265,"end":664.42505,"confidence":0.89170986,"punctuated_word":"My","sentiment":"neutral","sentiment_score":-0.2336111068725586},{"word":"son","start":664.42505,"end":664.66504,"confidence":0.99293065,"punctuated_word":"son","sentiment":"neutral","sentiment_score":-0.2156510949134827},{"word":"keeps","start":664.66504,"end":664.905,"confidence":0.98003334,"punctuated_word":"keeps","sentiment":"neutral","sentiment_score":-0.26482582092285156},{"word":"on","start":664.905,"end":665.065,"confidence":0.9862888,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.2616477906703949},{"word":"telling","start":665.065,"end":665.30505,"confidence":0.99910945,"punctuated_word":"telling","sentiment":"neutral","sentiment_score":-0.1806168556213379},{"word":"me","start":665.30505,"end":665.465,"confidence":0.99688303,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.17314541339874268},{"word":"to","start":665.465,"end":665.86505,"confidence":0.9965653,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16115090250968933},{"word":"invest","start":665.86505,"end":666.18506,"confidence":0.9994337,"punctuated_word":"invest","sentiment":"neutral","sentiment_score":-0.14694766700267792},{"word":"in","start":666.18506,"end":666.34503,"confidence":0.99835193,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.1719590276479721},{"word":"it","start":666.34503,"end":666.505,"confidence":0.7440743,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.1772339940071106},{"word":"but","start":666.505,"end":666.74506,"confidence":0.66870177,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.1135842502117157},{"word":"yeah","start":666.905,"end":667.405,"confidence":0.99076337,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.08335566520690918},{"word":"yeah","start":675.85004,"end":676.35004,"confidence":0.83787745,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03069426864385605},{"word":"yep","start":676.73004,"end":677.23004,"confidence":0.7015539,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1629568636417389},{"word":"yep","start":697.88,"end":698.38,"confidence":0.98340726,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.042381614446640015},{"word":"that's","start":707.025,"end":707.42505,"confidence":0.9910022,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.08240501582622528},{"word":"right","start":707.42505,"end":707.92505,"confidence":0.9980449,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":0.06640806049108505},{"word":"yes","start":711.265,"end":711.765,"confidence":0.98100036,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.019801387563347816},{"word":"children","start":717.505,"end":718.005,"confidence":0.9126748,"punctuated_word":"Children.","sentiment":"neutral","sentiment_score":-0.004611557349562645},{"word":"they're","start":718.145,"end":718.645,"confidence":0.6320519,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":0.009348479099571705},{"word":"they're","start":718.945,"end":719.10504,"confidence":0.96192044,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.01993612200021744},{"word":"my","start":719.10504,"end":719.265,"confidence":0.99591464,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.022733375430107117},{"word":"children","start":719.265,"end":719.765,"confidence":0.9993712,"punctuated_word":"children.","sentiment":"neutral","sentiment_score":0.035190340131521225},{"word":"yes","start":729.30005,"end":729.80005,"confidence":0.9941109,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.014654507860541344},{"word":"yep","start":732.82,"end":733.065,"confidence":0.97793484,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04107758402824402},{"word":"okay","start":742.905,"end":743.405,"confidence":0.8983451,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":-0.005090944468975067},{"word":"okay","start":749.81,"end":750.31,"confidence":0.9206964,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.014721525833010674},{"word":"yep","start":768.945,"end":769.445,"confidence":0.8061424,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.36857640743255615},{"word":"okay","start":795.185,"end":795.685,"confidence":0.79411423,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.16704604029655457},{"word":"yeah","start":797.10504,"end":797.425,"confidence":0.9890996,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16600972414016724},{"word":"that","start":797.425,"end":797.66504,"confidence":0.9907353,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.1356482058763504},{"word":"that","start":797.66504,"end":797.825,"confidence":0.94191855,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.12311021983623505},{"word":"sounds","start":797.825,"end":798.065,"confidence":0.81753314,"punctuated_word":"sounds","sentiment":"neutral","sentiment_score":0.12107188999652864},{"word":"there","start":798.145,"end":798.385,"confidence":0.50977725,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.11730974912643433},{"word":"we","start":798.385,"end":798.54504,"confidence":0.939428,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.13080698251724243},{"word":"go","start":798.54504,"end":799.04504,"confidence":0.998281,"punctuated_word":"go.","sentiment":"neutral","sentiment_score":0.16048437356948853},{"word":"yeah","start":800.22504,"end":800.385,"confidence":0.9935386,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15467381477355957},{"word":"no","start":800.385,"end":800.625,"confidence":0.92609596,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.16830161213874817},{"word":"i","start":800.625,"end":800.705,"confidence":0.995663,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.46712779998779297},{"word":"like","start":800.705,"end":800.945,"confidence":0.9901416,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.6183685064315796},{"word":"that","start":800.945,"end":801.3,"confidence":0.99421453,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.42153340578079224},{"word":"i","start":801.38,"end":801.45996,"confidence":0.96273327,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5654962658882141},{"word":"like","start":801.45996,"end":801.7,"confidence":0.95454246,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.6895437240600586},{"word":"i","start":801.7,"end":801.77997,"confidence":0.86415637,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.7009776830673218},{"word":"like","start":801.77997,"end":801.89996,"confidence":0.9987017,"punctuated_word":"like","sentiment":"positive","sentiment_score":0.7732626795768738},{"word":"the","start":801.89996,"end":802.01996,"confidence":0.9986119,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.7249540686607361},{"word":"idea","start":802.01996,"end":802.51996,"confidence":0.9992436,"punctuated_word":"idea","sentiment":"positive","sentiment_score":0.6343646049499512},{"word":"of","start":805.62,"end":805.7,"confidence":0.9955888,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20376792550086975},{"word":"it","start":805.7,"end":806.2,"confidence":0.9619521,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":0.159547358751297},{"word":"wow","start":834.93,"end":835.43,"confidence":0.82601714,"punctuated_word":"Wow.","sentiment":"positive","sentiment_score":0.4275387525558472},{"word":"yep","start":860.48,"end":860.98,"confidence":0.7715453,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.29852575063705444},{"word":"yep","start":883.21,"end":883.71,"confidence":0.9910348,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22917526960372925},{"word":"alright","start":888.33,"end":888.765,"confidence":0.8889581,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.01749618537724018},{"word":"yeah","start":899.72504,"end":900.125,"confidence":0.9891143,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2296163439750671},{"word":"yep","start":900.125,"end":900.625,"confidence":0.95132446,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3910331726074219},{"word":"well","start":943.075,"end":943.475,"confidence":0.9954021,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.10060156881809236},{"word":"i'm","start":943.475,"end":943.635,"confidence":0.9514407,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.16064931452274325},{"word":"not","start":943.635,"end":943.795,"confidence":0.99089557,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.17383094131946564},{"word":"too","start":943.795,"end":944.035,"confidence":0.7153887,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.20608745515346527},{"word":"sure","start":944.035,"end":944.535,"confidence":0.95958745,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":-0.23448187112808228},{"word":"what","start":944.675,"end":944.995,"confidence":0.9424446,"punctuated_word":"What","sentiment":"neutral","sentiment_score":-0.217222660779953},{"word":"what","start":944.995,"end":945.235,"confidence":0.9538193,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.21596847474575043},{"word":"it","start":945.235,"end":945.395,"confidence":0.99167186,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.199118509888649},{"word":"was","start":945.395,"end":945.715,"confidence":0.999522,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.20537149906158447},{"word":"is","start":945.715,"end":945.955,"confidence":0.98364496,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.16140216588974},{"word":"i","start":945.955,"end":946.195,"confidence":0.9814694,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19732624292373657},{"word":"had","start":946.195,"end":946.695,"confidence":0.994507,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.23856121301651},{"word":"i","start":947.555,"end":947.875,"confidence":0.86458844,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2794274091720581},{"word":"had","start":947.875,"end":948.375,"confidence":0.9997917,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.3199072778224945},{"word":"cancer","start":948.515,"end":949.015,"confidence":0.8598036,"punctuated_word":"cancer","sentiment":"neutral","sentiment_score":-0.32697635889053345},{"word":"going","start":949.15497,"end":949.395,"confidence":0.951675,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.2418342083692551},{"word":"back","start":949.395,"end":949.715,"confidence":0.9990632,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.2007562667131424},{"word":"about","start":949.715,"end":949.955,"confidence":0.9793195,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.18525011837482452},{"word":"twenty","start":949.955,"end":950.275,"confidence":0.99965763,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":-0.21405869722366333},{"word":"years","start":950.275,"end":950.435,"confidence":0.99971026,"punctuated_word":"years","sentiment":"neutral","sentiment_score":-0.1804460883140564},{"word":"ago","start":950.435,"end":950.935,"confidence":0.8369229,"punctuated_word":"ago,","sentiment":"neutral","sentiment_score":-0.14894931018352509},{"word":"and","start":951.555,"end":952.055,"confidence":0.99768555,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12351904064416884},{"word":"they","start":953.475,"end":953.715,"confidence":0.9892769,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.1769675314426422},{"word":"had","start":953.715,"end":953.955,"confidence":0.9996469,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.1563643217086792},{"word":"to","start":953.955,"end":954.435,"confidence":0.99556005,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.19003775715827945},{"word":"open","start":954.435,"end":954.675,"confidence":0.94343394,"punctuated_word":"open","sentiment":"neutral","sentiment_score":-0.18743957579135895},{"word":"my","start":954.675,"end":954.835,"confidence":0.9829177,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.25414547324180603},{"word":"back","start":954.835,"end":955.075,"confidence":0.8925604,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.19689185917377472},{"word":"up","start":955.075,"end":955.235,"confidence":0.7263905,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":-0.189241960644722},{"word":"but","start":955.235,"end":955.395,"confidence":0.6957307,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.1759537309408188},{"word":"i","start":955.395,"end":955.475,"confidence":0.99742043,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.2247203141450882},{"word":"had","start":955.475,"end":955.635,"confidence":0.99920315,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.2506391704082489},{"word":"a","start":955.635,"end":955.795,"confidence":0.9968406,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.27993208169937134},{"word":"cancerous","start":955.795,"end":956.275,"confidence":0.9259888,"punctuated_word":"cancerous","sentiment":"neutral","sentiment_score":-0.30662891268730164},{"word":"cord","start":956.275,"end":956.515,"confidence":0.9660543,"punctuated_word":"cord","sentiment":"negative","sentiment_score":-0.3741133213043213},{"word":"right","start":956.515,"end":956.755,"confidence":0.724144,"punctuated_word":"right","sentiment":"negative","sentiment_score":-0.39204299449920654},{"word":"around","start":956.755,"end":956.995,"confidence":0.95829874,"punctuated_word":"around","sentiment":"negative","sentiment_score":-0.36256852746009827},{"word":"my","start":956.995,"end":957.235,"confidence":0.99568534,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.2951934337615967},{"word":"spine","start":957.235,"end":957.735,"confidence":0.99953604,"punctuated_word":"spine.","sentiment":"neutral","sentiment_score":-0.25238949060440063},{"word":"look","start":959.68005,"end":959.84,"confidence":0.8300643,"punctuated_word":"Look.","sentiment":"neutral","sentiment_score":-0.2649809718132019},{"word":"i","start":959.84,"end":960.0,"confidence":0.99978286,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.428686261177063},{"word":"couldn't","start":960.0,"end":960.32,"confidence":0.99987376,"punctuated_word":"couldn't","sentiment":"negative","sentiment_score":-0.3658293485641479},{"word":"work","start":960.32,"end":960.82,"confidence":0.9925577,"punctuated_word":"work.","sentiment":"negative","sentiment_score":-0.3956763744354248},{"word":"i","start":961.12006,"end":961.44,"confidence":0.99290824,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3198153078556061},{"word":"mean","start":961.44,"end":961.92004,"confidence":0.7816038,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.28721481561660767},{"word":"you","start":961.92004,"end":962.08,"confidence":0.70956254,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.26556140184402466},{"word":"know","start":962.08,"end":962.24005,"confidence":0.9968387,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.25483402609825134},{"word":"i","start":962.24005,"end":962.32,"confidence":0.98331857,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.27297142148017883},{"word":"had","start":962.32,"end":962.56,"confidence":0.9993011,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.2773113548755646},{"word":"to","start":962.56,"end":962.96,"confidence":0.9971956,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2577989995479584},{"word":"had","start":962.96,"end":963.2,"confidence":0.95382875,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.2744385898113251},{"word":"to","start":963.2,"end":963.44,"confidence":0.99939275,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2885616719722748},{"word":"work","start":963.44,"end":963.94,"confidence":0.98483706,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.296161949634552},{"word":"i'm","start":964.88,"end":965.12006,"confidence":0.93010104,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.2952263355255127},{"word":"only","start":965.12006,"end":965.36005,"confidence":0.8404362,"punctuated_word":"only","sentiment":"negative","sentiment_score":-0.3393312394618988},{"word":"good","start":965.36005,"end":965.60004,"confidence":0.999092,"punctuated_word":"good","sentiment":"neutral","sentiment_score":-0.3052321672439575},{"word":"for","start":965.60004,"end":965.76,"confidence":0.99975604,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.27955466508865356},{"word":"a","start":965.76,"end":965.84,"confidence":0.99953055,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.3255765438079834},{"word":"couple","start":965.84,"end":966.16003,"confidence":0.99985087,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.32971495389938354},{"word":"of","start":966.16003,"end":966.24005,"confidence":0.9988949,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3432513475418091},{"word":"hours","start":966.24005,"end":966.48004,"confidence":0.9994697,"punctuated_word":"hours","sentiment":"neutral","sentiment_score":-0.29425665736198425},{"word":"a","start":966.48004,"end":966.64,"confidence":0.99170715,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2976298928260803},{"word":"day","start":966.64,"end":966.88,"confidence":0.9992176,"punctuated_word":"day","sentiment":"neutral","sentiment_score":-0.257914662361145},{"word":"sort","start":966.88,"end":967.12006,"confidence":0.86393917,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.2750479280948639},{"word":"of","start":967.12006,"end":967.2,"confidence":0.9760558,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3692099153995514},{"word":"thing","start":967.2,"end":967.7,"confidence":0.9120655,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.2857189178466797},{"word":"light","start":968.32,"end":968.56,"confidence":0.333295,"punctuated_word":"Light","sentiment":"neutral","sentiment_score":-0.2881006896495819},{"word":"duties","start":968.56,"end":968.96,"confidence":0.67754525,"punctuated_word":"duties,","sentiment":"neutral","sentiment_score":-0.23449376225471497},{"word":"i","start":968.96,"end":969.04004,"confidence":0.97998387,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.3039528429508209},{"word":"can't","start":969.04004,"end":969.28,"confidence":0.9988491,"punctuated_word":"can't","sentiment":"neutral","sentiment_score":-0.317695677280426},{"word":"lift","start":969.28,"end":969.60004,"confidence":0.9987822,"punctuated_word":"lift","sentiment":"negative","sentiment_score":-0.36513015627861023},{"word":"anything","start":969.60004,"end":969.92004,"confidence":0.99878055,"punctuated_word":"anything","sentiment":"negative","sentiment_score":-0.3703046143054962},{"word":"too","start":969.92004,"end":970.08,"confidence":0.8922428,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.387940376996994},{"word":"heavy","start":970.08,"end":970.4,"confidence":0.9998259,"punctuated_word":"heavy","sentiment":"negative","sentiment_score":-0.3552573621273041},{"word":"and","start":970.4,"end":970.56,"confidence":0.93280864,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3304430842399597},{"word":"that","start":970.56,"end":970.72003,"confidence":0.99977773,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.26316511631011963},{"word":"sort","start":970.72003,"end":970.96,"confidence":0.9990995,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.33296269178390503},{"word":"of","start":970.96,"end":971.04004,"confidence":0.99475515,"punctuated_word":"of","sentiment":"negative","sentiment_score":-0.3758488893508911},{"word":"thing","start":971.04004,"end":971.445,"confidence":0.99785006,"punctuated_word":"thing.","sentiment":"negative","sentiment_score":-0.33836719393730164},{"word":"so","start":971.685,"end":971.925,"confidence":0.9991743,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.196784108877182},{"word":"i","start":971.925,"end":972.045,"confidence":0.927422,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.23386430740356445},{"word":"i","start":972.045,"end":972.165,"confidence":0.750437,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.25761330127716064},{"word":"don't","start":972.165,"end":972.325,"confidence":0.9434395,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.2385541796684265},{"word":"look","start":972.405,"end":972.645,"confidence":0.9378805,"punctuated_word":"look.","sentiment":"neutral","sentiment_score":-0.23588407039642337},{"word":"i","start":972.645,"end":972.805,"confidence":0.99989355,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.21376226842403412},{"word":"don't","start":972.805,"end":972.965,"confidence":0.999764,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.1694629043340683},{"word":"think","start":972.965,"end":973.205,"confidence":0.9989115,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.10526162385940552},{"word":"i'd","start":973.205,"end":973.28503,"confidence":0.97739524,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":-0.17899373173713684},{"word":"ever","start":973.28503,"end":973.78503,"confidence":0.9978734,"punctuated_word":"ever","sentiment":"neutral","sentiment_score":-0.10437799245119096},{"word":"be","start":974.325,"end":974.565,"confidence":0.98836493,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.17667964100837708},{"word":"called","start":974.565,"end":974.805,"confidence":0.9984036,"punctuated_word":"called","sentiment":"neutral","sentiment_score":-0.193270280957222},{"word":"on","start":974.805,"end":974.965,"confidence":0.9911556,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.18956223130226135},{"word":"to","start":974.965,"end":975.125,"confidence":0.9629037,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.17074939608573914},{"word":"go","start":975.125,"end":975.365,"confidence":0.98804516,"punctuated_word":"go","sentiment":"neutral","sentiment_score":-0.15631386637687683},{"word":"back","start":975.365,"end":975.605,"confidence":0.99959856,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.18886184692382812},{"word":"to","start":975.605,"end":975.765,"confidence":0.9993062,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.16702839732170105},{"word":"work","start":975.765,"end":976.265,"confidence":0.99439174,"punctuated_word":"work.","sentiment":"neutral","sentiment_score":-0.0932338684797287},{"word":"i","start":993.14,"end":993.62,"confidence":0.9225564,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.03999408334493637},{"word":"was","start":993.62,"end":993.94,"confidence":0.8520993,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.03269921615719795},{"word":"self","start":993.94,"end":994.18,"confidence":0.9970157,"punctuated_word":"self","sentiment":"neutral","sentiment_score":-0.031140509992837902},{"word":"employed","start":994.18,"end":994.58,"confidence":0.99484646,"punctuated_word":"employed.","sentiment":"neutral","sentiment_score":-0.02037285268306732},{"word":"i","start":994.58,"end":994.66003,"confidence":0.99989784,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.01836300641298294},{"word":"had","start":994.66003,"end":994.9,"confidence":0.9997129,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.02266525849699974},{"word":"a","start":994.9,"end":995.14,"confidence":0.9993223,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004518892616033554},{"word":"battery","start":995.14,"end":995.54004,"confidence":0.9991315,"punctuated_word":"battery","sentiment":"neutral","sentiment_score":-0.00023339316248893735},{"word":"business","start":995.54004,"end":996.02,"confidence":0.9482831,"punctuated_word":"business.","sentiment":"neutral","sentiment_score":0.0018358472734689713},{"word":"i","start":996.02,"end":996.10004,"confidence":0.8613256,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.003578897565603256},{"word":"was","start":996.10004,"end":996.60004,"confidence":0.996238,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.003139294683933258},{"word":"wholesaling","start":997.105,"end":997.605,"confidence":0.985863,"punctuated_word":"wholesaling","sentiment":"neutral","sentiment_score":0.018191920593380928},{"word":"car","start":998.305,"end":998.625,"confidence":0.9920339,"punctuated_word":"car","sentiment":"neutral","sentiment_score":0.028551016002893448},{"word":"and","start":998.625,"end":998.78503,"confidence":0.9918051,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.009543105959892271},{"word":"truck","start":998.78503,"end":999.265,"confidence":0.99830353,"punctuated_word":"truck","sentiment":"neutral","sentiment_score":0.018008127808570862},{"word":"marine","start":999.265,"end":999.665,"confidence":0.88115466,"punctuated_word":"marine","sentiment":"neutral","sentiment_score":0.01420069858431816},{"word":"batteries","start":999.665,"end":1000.165,"confidence":0.9989625,"punctuated_word":"batteries.","sentiment":"neutral","sentiment_score":0.015190239995718002},{"word":"yes","start":1009.825,"end":1010.22504,"confidence":0.9450345,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.013871386647224426},{"word":"i","start":1010.22504,"end":1010.305,"confidence":0.99875784,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.008912108838558197},{"word":"was","start":1010.305,"end":1010.545,"confidence":0.926121,"punctuated_word":"was.","sentiment":"neutral","sentiment_score":0.005914909765124321},{"word":"yeah","start":1010.545,"end":1010.78503,"confidence":0.995759,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02245706133544445},{"word":"i","start":1010.78503,"end":1010.865,"confidence":0.99659145,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.010183915495872498},{"word":"was","start":1010.865,"end":1011.105,"confidence":0.99652725,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.01813465729355812},{"word":"i","start":1011.105,"end":1011.185,"confidence":0.9788179,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.011015839874744415},{"word":"was","start":1011.185,"end":1011.425,"confidence":0.99983144,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.016230788081884384},{"word":"on","start":1011.425,"end":1011.585,"confidence":0.9988914,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.011994495987892153},{"word":"the","start":1011.585,"end":1011.665,"confidence":0.99936444,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01450132578611374},{"word":"road","start":1011.665,"end":1012.02,"confidence":0.96167046,"punctuated_word":"road","sentiment":"neutral","sentiment_score":0.010291967540979384},{"word":"in","start":1012.5,"end":1013.0,"confidence":0.99696416,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.008496753871440887},{"word":"a","start":1023.38,"end":1023.88,"confidence":0.9843923,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08027472347021103},{"word":"van","start":1023.94,"end":1024.02,"confidence":0.9093898,"punctuated_word":"van.","sentiment":"neutral","sentiment_score":0.061909306794404984},{"word":"yep","start":1024.02,"end":1024.52,"confidence":0.9831051,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.03047095239162445},{"word":"yep","start":1046.2401,"end":1046.7401,"confidence":0.7390034,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.232331320643425},{"word":"yeah","start":1057.695,"end":1058.095,"confidence":0.8769959,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0018261149525642395},{"word":"yeah","start":1058.095,"end":1058.1749,"confidence":0.7391331,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04976388439536095},{"word":"no","start":1058.1749,"end":1058.575,"confidence":0.89471805,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.29558756947517395},{"word":"no","start":1058.575,"end":1059.075,"confidence":0.62768936,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.3897516131401062},{"word":"no","start":1060.495,"end":1060.6549,"confidence":0.6805599,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.47146111726760864},{"word":"i","start":1060.6549,"end":1060.735,"confidence":0.42917156,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.6433857083320618},{"word":"will","start":1060.735,"end":1060.8949,"confidence":0.7048731,"punctuated_word":"will","sentiment":"negative","sentiment_score":-0.6439008712768555},{"word":"give","start":1060.8949,"end":1061.135,"confidence":0.98868716,"punctuated_word":"give","sentiment":"negative","sentiment_score":-0.6859269142150879},{"word":"that","start":1061.135,"end":1061.2949,"confidence":0.99397165,"punctuated_word":"that","sentiment":"negative","sentiment_score":-0.6187998056411743},{"word":"a","start":1061.2949,"end":1061.375,"confidence":0.9940919,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.7551681995391846},{"word":"misfit","start":1061.375,"end":1061.875,"confidence":0.7574351,"punctuated_word":"misfit.","sentiment":"negative","sentiment_score":-0.6047930121421814},{"word":"yeah","start":1062.4149,"end":1062.735,"confidence":0.8524102,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.04354460537433624},{"word":"thanks","start":1062.735,"end":1063.14,"confidence":0.99429816,"punctuated_word":"Thanks.","sentiment":"neutral","sentiment_score":0.1363813579082489},{"word":"yep","start":1065.22,"end":1065.62,"confidence":0.9168695,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0435580275952816},{"word":"no","start":1065.62,"end":1065.78,"confidence":0.98371345,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12745212018489838},{"word":"i'm","start":1065.78,"end":1066.02,"confidence":0.9928436,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.10559485852718352},{"word":"the","start":1066.02,"end":1066.18,"confidence":0.9313408,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.14036232233047485},{"word":"same","start":1066.18,"end":1066.68,"confidence":0.99703383,"punctuated_word":"same.","sentiment":"neutral","sentiment_score":-0.13923728466033936},{"word":"yeah","start":1089.875,"end":1090.035,"confidence":0.8757783,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.05048518627882004},{"word":"i","start":1090.035,"end":1090.535,"confidence":0.46291608,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.051024891436100006},{"word":"i","start":1090.7,"end":1090.78,"confidence":0.72687167,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0663023591041565},{"word":"had","start":1090.78,"end":1091.02,"confidence":0.8281639,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.08520780503749847},{"word":"a","start":1091.02,"end":1091.1,"confidence":0.9918475,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.09520471841096878},{"word":"will","start":1091.1,"end":1091.42,"confidence":0.85701054,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.1206560730934143},{"word":"that","start":1091.42,"end":1091.66,"confidence":0.99647266,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.08772096037864685},{"word":"i","start":1091.66,"end":1091.82,"confidence":0.9963546,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.075118288397789},{"word":"made","start":1091.82,"end":1091.98,"confidence":0.9901689,"punctuated_word":"made","sentiment":"neutral","sentiment_score":-0.06967192888259888},{"word":"up","start":1091.98,"end":1092.48,"confidence":0.99959046,"punctuated_word":"up","sentiment":"neutral","sentiment_score":-0.10486120730638504},{"word":"quite","start":1093.26,"end":1093.5,"confidence":0.7413764,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.09378403425216676},{"word":"a","start":1093.5,"end":1093.58,"confidence":0.9944589,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1005651354789734},{"word":"while","start":1093.58,"end":1093.74,"confidence":0.9996927,"punctuated_word":"while","sentiment":"neutral","sentiment_score":-0.11553969979286194},{"word":"ago","start":1093.74,"end":1093.98,"confidence":0.9916855,"punctuated_word":"ago.","sentiment":"neutral","sentiment_score":-0.09924183040857316},{"word":"yeah","start":1093.98,"end":1094.22,"confidence":0.9922446,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0568728968501091},{"word":"i","start":1094.22,"end":1094.46,"confidence":0.99645585,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0938483327627182},{"word":"i","start":1094.46,"end":1094.62,"confidence":0.72903806,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.09589043259620668},{"word":"probably","start":1094.62,"end":1094.86,"confidence":0.98201907,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":-0.07653018832206726},{"word":"do","start":1094.86,"end":1095.1,"confidence":0.9771996,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06013130396604538},{"word":"need","start":1095.1,"end":1095.26,"confidence":0.9983828,"punctuated_word":"need","sentiment":"neutral","sentiment_score":-0.07430177927017212},{"word":"to","start":1095.26,"end":1095.76,"confidence":0.9992107,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.12766718864440918},{"word":"update","start":1096.22,"end":1096.62,"confidence":0.99882585,"punctuated_word":"update","sentiment":"neutral","sentiment_score":-0.11135842651128768},{"word":"it","start":1096.62,"end":1097.12,"confidence":0.9967042,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.11007021367549896},{"word":"no","start":1110.075,"end":1110.575,"confidence":0.8065103,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.3411591649055481},{"word":"i","start":1110.635,"end":1111.035,"confidence":0.9913838,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.3544243574142456},{"word":"i","start":1111.035,"end":1111.115,"confidence":0.72179633,"punctuated_word":"I","sentiment":"negative","sentiment_score":-0.40182313323020935},{"word":"wouldn't","start":1111.115,"end":1111.355,"confidence":0.96677554,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.30053192377090454},{"word":"have","start":1111.355,"end":1111.515,"confidence":0.99907696,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.2575453519821167},{"word":"had","start":1111.515,"end":1111.915,"confidence":0.9977697,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.2722586691379547},{"word":"at","start":1111.915,"end":1112.075,"confidence":0.9371922,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.36903712153434753},{"word":"that","start":1112.075,"end":1112.395,"confidence":0.9983368,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.32704728841781616},{"word":"point","start":1112.395,"end":1112.895,"confidence":0.8746096,"punctuated_word":"point","sentiment":"neutral","sentiment_score":-0.28850090503692627},{"word":"in","start":1112.955,"end":1113.115,"confidence":0.995747,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.3078899681568146},{"word":"time","start":1113.115,"end":1113.615,"confidence":0.9842425,"punctuated_word":"time.","sentiment":"neutral","sentiment_score":-0.29646170139312744},{"word":"would","start":1114.235,"end":1114.395,"confidence":0.9659829,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.2718455195426941},{"word":"not","start":1114.395,"end":1114.555,"confidence":0.99811625,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.20496471226215365},{"word":"have","start":1114.555,"end":1114.74,"confidence":0.9790531,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.17183393239974976},{"word":"had","start":1114.74,"end":1115.22,"confidence":0.8722571,"punctuated_word":"had.","sentiment":"neutral","sentiment_score":-0.22539323568344116},{"word":"yeah","start":1115.22,"end":1115.72,"confidence":0.989787,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03073469176888466},{"word":"yep","start":1126.66,"end":1126.845,"confidence":0.7909008,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.03741035982966423},{"word":"yeah","start":1139.485,"end":1139.8049,"confidence":0.8786417,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0930594950914383},{"word":"definitely","start":1139.8049,"end":1140.3049,"confidence":0.9863072,"punctuated_word":"Definitely.","sentiment":"neutral","sentiment_score":-0.04179346561431885},{"word":"yep","start":1141.085,"end":1141.38,"confidence":0.9211556,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.0589415431022644},{"word":"yes","start":1148.58,"end":1148.9,"confidence":0.885949,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.015496677719056606},{"word":"i","start":1148.9,"end":1149.06,"confidence":0.7630947,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.011461220681667328},{"word":"do","start":1149.06,"end":1149.56,"confidence":0.830484,"punctuated_word":"do.","sentiment":"neutral","sentiment_score":0.0020969193428754807},{"word":"yep","start":1156.02,"end":1156.335,"confidence":0.99787474,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.049112409353256226},{"word":"alright","start":1161.2949,"end":1161.7949,"confidence":0.98515576,"punctuated_word":"Alright.","sentiment":"neutral","sentiment_score":0.21963094174861908},{"word":"no","start":1171.66,"end":1171.74,"confidence":0.7837689,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.0349857434630394},{"word":"no","start":1171.74,"end":1171.86,"confidence":0.9045187,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.048358168452978134},{"word":"it","start":1171.86,"end":1171.98,"confidence":0.7966841,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.1332484483718872},{"word":"all","start":1171.98,"end":1172.48,"confidence":0.9537486,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.25004586577415466},{"word":"all","start":1172.7,"end":1172.86,"confidence":0.60874575,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.32410216331481934},{"word":"sounds","start":1172.86,"end":1173.1,"confidence":0.9963218,"punctuated_word":"sounds","sentiment":"positive","sentiment_score":0.3509393632411957},{"word":"pretty","start":1173.1,"end":1173.34,"confidence":0.99908185,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.3276294469833374},{"word":"good","start":1173.34,"end":1173.84,"confidence":0.9977299,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.20368877053260803},{"word":"yeah","start":1176.06,"end":1176.3,"confidence":0.95665073,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.027844263240695},{"word":"no","start":1176.3,"end":1176.8,"confidence":0.9860191,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.008707964792847633},{"word":"all","start":1179.5,"end":1179.82,"confidence":0.58561116,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.039715833961963654},{"word":"good","start":1179.82,"end":1180.32,"confidence":0.9981291,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.14052234590053558},{"word":"yeah","start":1186.78,"end":1187.1,"confidence":0.9962304,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.022583454847335815},{"word":"i","start":1187.1,"end":1187.415,"confidence":0.8334907,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0524371936917305},{"word":"i","start":1187.495,"end":1187.655,"confidence":0.98174024,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07326456159353256},{"word":"thought","start":1187.655,"end":1188.155,"confidence":0.9964173,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":-0.051813654601573944},{"word":"actually","start":1188.2151,"end":1188.615,"confidence":0.337189,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.04624779522418976},{"word":"was","start":1188.615,"end":1188.855,"confidence":0.62333536,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.07355019450187683},{"word":"going","start":1188.855,"end":1189.0951,"confidence":0.9990395,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.06638942658901215},{"word":"to","start":1189.0951,"end":1189.175,"confidence":0.99905163,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.06901083141565323},{"word":"do","start":1189.175,"end":1189.3351,"confidence":0.9989644,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.0675213485956192},{"word":"it","start":1189.3351,"end":1189.495,"confidence":0.9917372,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.059158019721508026},{"word":"this","start":1189.495,"end":1189.735,"confidence":0.9995245,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.09387032687664032},{"word":"year","start":1189.735,"end":1189.9751,"confidence":0.9639059,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.07967843860387802},{"word":"but","start":1189.9751,"end":1190.4751,"confidence":0.997459,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.07414300739765167},{"word":"that","start":1190.775,"end":1191.015,"confidence":0.6914669,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.13653464615345},{"word":"got","start":1191.015,"end":1191.255,"confidence":0.9970317,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.1642807573080063},{"word":"canceled","start":1191.255,"end":1191.755,"confidence":0.88308793,"punctuated_word":"canceled.","sentiment":"neutral","sentiment_score":-0.12438877671957016},{"word":"so","start":1191.8151,"end":1192.3151,"confidence":0.9701451,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.05685042589902878},{"word":"but","start":1192.535,"end":1192.6951,"confidence":0.994416,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.03615332394838333},{"word":"yeah","start":1192.855,"end":1193.355,"confidence":0.99367964,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.03468844294548035},{"word":"maybe","start":1194.2151,"end":1194.535,"confidence":0.9820654,"punctuated_word":"Maybe","sentiment":"neutral","sentiment_score":-0.033505093306303024},{"word":"in","start":1194.535,"end":1194.6951,"confidence":0.9988042,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01458827406167984},{"word":"the","start":1194.6951,"end":1194.775,"confidence":0.9997596,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0003068782389163971},{"word":"next","start":1194.775,"end":1195.015,"confidence":0.999708,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.017668507993221283},{"word":"twelve","start":1195.015,"end":1195.3351,"confidence":0.9468903,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":-0.022435184568166733},{"word":"months","start":1195.3351,"end":1195.8351,"confidence":0.95373106,"punctuated_word":"months.","sentiment":"neutral","sentiment_score":-0.0018388796597719193},{"word":"no","start":1212.55,"end":1212.79,"confidence":0.9925666,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.12164440751075745},{"word":"i'll","start":1212.79,"end":1212.87,"confidence":0.90555716,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.12329854816198348},{"word":"just","start":1212.87,"end":1213.1101,"confidence":0.99894303,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.1419259011745453},{"word":"leave","start":1213.1101,"end":1213.27,"confidence":0.9896459,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.1399993896484375},{"word":"that","start":1213.27,"end":1213.51,"confidence":0.92933583,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.15570665895938873},{"word":"role","start":1213.51,"end":1213.8301,"confidence":0.8504497,"punctuated_word":"role","sentiment":"neutral","sentiment_score":-0.0890183299779892},{"word":"as","start":1213.8301,"end":1213.9901,"confidence":0.76210254,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.12888534367084503},{"word":"it","start":1213.9901,"end":1214.15,"confidence":0.9901473,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.08940471708774567},{"word":"is","start":1214.15,"end":1214.415,"confidence":0.9978461,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":-0.07689563184976578},{"word":"yep","start":1214.9751,"end":1215.4751,"confidence":0.92831576,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.053166985511779785},{"word":"okay","start":1219.855,"end":1220.355,"confidence":0.99544746,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.16341567039489746},{"word":"yes","start":1230.67,"end":1231.17,"confidence":0.6986431,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.30838531255722046},{"word":"yes","start":1247.4049,"end":1247.725,"confidence":0.89407,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.1916978657245636},{"word":"for","start":1247.725,"end":1247.8849,"confidence":0.87373734,"punctuated_word":"For","sentiment":"neutral","sentiment_score":0.16686855256557465},{"word":"sure","start":1247.8849,"end":1248.3849,"confidence":0.9996365,"punctuated_word":"sure.","sentiment":"neutral","sentiment_score":0.24838121235370636},{"word":"alright","start":1264.5399,"end":1265.0399,"confidence":0.9733027,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.3806880116462707},{"word":"great","start":1265.1799,"end":1265.655,"confidence":0.97412765,"punctuated_word":"Great.","sentiment":"positive","sentiment_score":0.6820132732391357},{"word":"no","start":1270.295,"end":1270.775,"confidence":0.986104,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.02298179641366005},{"word":"just","start":1270.775,"end":1271.095,"confidence":0.91280115,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.02839839830994606},{"word":"just","start":1271.095,"end":1271.3351,"confidence":0.99602354,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.02578009106218815},{"word":"one","start":1271.3351,"end":1271.655,"confidence":0.8793395,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.03626297414302826},{"word":"when","start":1271.895,"end":1272.135,"confidence":0.9967771,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.04122854024171829},{"word":"you","start":1272.135,"end":1272.375,"confidence":0.9992261,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.04684671387076378},{"word":"call","start":1272.375,"end":1272.615,"confidence":0.99769455,"punctuated_word":"call","sentiment":"neutral","sentiment_score":-0.052039600908756256},{"word":"me","start":1272.615,"end":1272.855,"confidence":0.9998677,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.0015758536756038666},{"word":"back","start":1272.855,"end":1273.355,"confidence":0.99992335,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.008635777980089188},{"word":"regarding","start":1273.895,"end":1274.395,"confidence":0.9075931,"punctuated_word":"regarding","sentiment":"neutral","sentiment_score":-0.040262822061777115},{"word":"taking","start":1274.4551,"end":1274.6951,"confidence":0.89430606,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":-0.03795051947236061},{"word":"the","start":1274.6951,"end":1274.855,"confidence":0.6759515,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.033849481493234634},{"word":"money","start":1274.855,"end":1275.095,"confidence":0.9999536,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.006828099489212036},{"word":"out","start":1275.095,"end":1275.3351,"confidence":0.99776256,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.014901041984558104},{"word":"and","start":1275.3351,"end":1275.8351,"confidence":0.99125504,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04565710574388504},{"word":"put","start":1275.895,"end":1276.135,"confidence":0.57508653,"punctuated_word":"put","sentiment":"neutral","sentiment_score":-0.02774374932050705},{"word":"it","start":1276.135,"end":1276.2151,"confidence":0.5552032,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.01192665845155716},{"word":"back","start":1276.2151,"end":1276.375,"confidence":0.99871874,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.01652245596051216},{"word":"in","start":1276.375,"end":1276.615,"confidence":0.9651176,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.01488819532096386},{"word":"will","start":1276.615,"end":1276.775,"confidence":0.7477747,"punctuated_word":"will","sentiment":"neutral","sentiment_score":-0.02410643734037876},{"word":"it","start":1276.775,"end":1276.855,"confidence":0.85040134,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.00981755182147026},{"word":"be","start":1276.855,"end":1277.015,"confidence":0.9998797,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.004115864634513855},{"word":"on","start":1277.015,"end":1277.175,"confidence":0.9981548,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.007048610597848892},{"word":"this","start":1277.175,"end":1277.415,"confidence":0.99966455,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.0032340213656425476},{"word":"number","start":1277.415,"end":1277.915,"confidence":0.9984533,"punctuated_word":"number?","sentiment":"neutral","sentiment_score":-0.006566211581230164},{"word":"no","start":1284.23,"end":1284.55,"confidence":0.7524456,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.02057591825723648},{"word":"just","start":1284.55,"end":1284.79,"confidence":0.92262316,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.027048327028751373},{"word":"that","start":1284.79,"end":1285.1901,"confidence":0.31614506,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.00361904501914978},{"word":"i'm","start":1285.1901,"end":1285.43,"confidence":0.484433,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.0028799090068787336},{"word":"i'm","start":1285.43,"end":1285.51,"confidence":0.89054155,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.028337564319372177},{"word":"saving","start":1285.51,"end":1285.91,"confidence":0.3881734,"punctuated_word":"saving","sentiment":"neutral","sentiment_score":-0.002785429358482361},{"word":"some","start":1285.91,"end":1286.07,"confidence":0.769279,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.004078321158885956},{"word":"of","start":1286.07,"end":1286.23,"confidence":0.75131094,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.019159749150276184},{"word":"the","start":1286.23,"end":1286.39,"confidence":0.5815454,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011993743479251862},{"word":"i","start":1286.63,"end":1286.87,"confidence":0.99677163,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.003751128911972046},{"word":"don't","start":1286.87,"end":1287.11,"confidence":0.99923253,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0070881410501897335},{"word":"normally","start":1287.11,"end":1287.61,"confidence":0.99908495,"punctuated_word":"normally","sentiment":"neutral","sentiment_score":-0.014078430831432344},{"word":"answer","start":1288.71,"end":1289.21,"confidence":0.8518103,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":-0.06979245692491531},{"word":"interstate","start":1289.35,"end":1289.83,"confidence":0.4288286,"punctuated_word":"interstate","sentiment":"neutral","sentiment_score":-0.0679754912853241},{"word":"calls","start":1289.83,"end":1290.07,"confidence":0.92272633,"punctuated_word":"calls,","sentiment":"neutral","sentiment_score":-0.05364410951733589},{"word":"but","start":1290.07,"end":1290.23,"confidence":0.99953806,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.018906425684690475},{"word":"i","start":1290.23,"end":1290.39,"confidence":0.99933594,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.0083438940346241},{"word":"remember","start":1290.39,"end":1290.87,"confidence":0.9985245,"punctuated_word":"remember","sentiment":"neutral","sentiment_score":0.007263612002134323},{"word":"last","start":1290.87,"end":1291.11,"confidence":0.70242476,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.005390983074903488},{"word":"time","start":1291.11,"end":1291.61,"confidence":0.99925894,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.011518947780132294},{"word":"that","start":1291.875,"end":1292.035,"confidence":0.6289011,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.004602428525686264},{"word":"the","start":1292.035,"end":1292.115,"confidence":0.9971143,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004509132355451584},{"word":"girl","start":1292.115,"end":1292.355,"confidence":0.9777564,"punctuated_word":"girl","sentiment":"neutral","sentiment_score":0.00345713272690773},{"word":"said","start":1292.355,"end":1292.595,"confidence":0.801707,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.0022583305835723877},{"word":"oh","start":1292.595,"end":1292.755,"confidence":0.910774,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.020291443914175034},{"word":"it","start":1292.755,"end":1292.995,"confidence":0.96294403,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.024090416729450222},{"word":"had","start":1292.995,"end":1293.075,"confidence":0.54913235,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.03203713521361351},{"word":"come","start":1293.075,"end":1293.235,"confidence":0.9919552,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.026287902146577835},{"word":"through","start":1293.235,"end":1293.395,"confidence":0.9943521,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.025502100586891174},{"word":"on","start":1293.395,"end":1293.555,"confidence":0.83540803,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.020382121205329895},{"word":"an","start":1293.555,"end":1293.635,"confidence":0.54244334,"punctuated_word":"an","sentiment":"neutral","sentiment_score":-0.013756688684225082},{"word":"07","start":1293.635,"end":1294.1951,"confidence":0.9211713,"punctuated_word":"07","sentiment":"neutral","sentiment_score":-0.01722756400704384},{"word":"number","start":1294.1951,"end":1294.435,"confidence":0.7846152,"punctuated_word":"number,","sentiment":"neutral","sentiment_score":-0.023102164268493652},{"word":"and","start":1294.435,"end":1294.595,"confidence":0.99916637,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.01797851175069809},{"word":"i","start":1294.595,"end":1294.675,"confidence":0.9992873,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.00980832427740097},{"word":"said","start":1294.675,"end":1294.915,"confidence":0.97330683,"punctuated_word":"said,","sentiment":"neutral","sentiment_score":-0.002268938347697258},{"word":"okay","start":1294.915,"end":1295.235,"confidence":0.9111059,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":-0.0017672982066869736},{"word":"no","start":1295.235,"end":1295.475,"confidence":0.99825925,"punctuated_word":"No","sentiment":"neutral","sentiment_score":-0.004589542746543884},{"word":"worries","start":1295.475,"end":1295.875,"confidence":0.8937528,"punctuated_word":"worries.","sentiment":"neutral","sentiment_score":0.0015472080558538437},{"word":"you","start":1295.875,"end":1295.955,"confidence":0.97306293,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.01873118616640568},{"word":"know","start":1295.955,"end":1296.455,"confidence":0.95565784,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":0.004922774620354176},{"word":"it's","start":1314.5801,"end":1314.8201,"confidence":0.7321889,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.004897926934063435},{"word":"come","start":1314.8201,"end":1314.98,"confidence":0.9595225,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.007806248962879181},{"word":"through","start":1314.98,"end":1315.22,"confidence":0.9979411,"punctuated_word":"through","sentiment":"neutral","sentiment_score":-0.002963842824101448},{"word":"as","start":1315.22,"end":1315.46,"confidence":0.95614934,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.0007635094225406647},{"word":"a","start":1315.46,"end":1315.7001,"confidence":0.7854343,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.004323618486523628},{"word":"0736679841","start":1315.7001,"end":1319.535,"confidence":0.93476325,"punctuated_word":"0736679841.","sentiment":"neutral","sentiment_score":-0.006400862243026495},{"word":"just","start":1319.6951,"end":1320.015,"confidence":0.11102977,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":-0.004007374867796898},{"word":"in","start":1320.015,"end":1320.515,"confidence":0.13850251,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.00011976994574069975},{"word":"yep","start":1331.4551,"end":1331.9551,"confidence":0.9837113,"punctuated_word":"yep.","sentiment":"neutral","sentiment_score":0.09210195392370224},{"word":"it's","start":1332.175,"end":1332.255,"confidence":0.58401877,"punctuated_word":"It's","sentiment":"positive","sentiment_score":0.40149974822998047},{"word":"gonna","start":1332.255,"end":1332.495,"confidence":0.972806,"punctuated_word":"gonna","sentiment":"positive","sentiment_score":0.4314152002334595},{"word":"be","start":1332.495,"end":1332.735,"confidence":0.9950656,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.4015713632106781},{"word":"great","start":1332.735,"end":1333.055,"confidence":0.94995165,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.43917953968048096},{"word":"yeah","start":1333.055,"end":1333.535,"confidence":0.9969501,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.07770171761512756},{"word":"that","start":1333.535,"end":1333.775,"confidence":0.97416884,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.04767461121082306},{"word":"way","start":1333.775,"end":1333.935,"confidence":0.9717935,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.06830872595310211},{"word":"i'd","start":1333.935,"end":1334.0951,"confidence":0.69847834,"punctuated_word":"I'd","sentiment":"neutral","sentiment_score":0.05198444053530693},{"word":"know","start":1334.0951,"end":1334.415,"confidence":0.8547711,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.057102903723716736},{"word":"if","start":1334.415,"end":1334.5751,"confidence":0.4904924,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03720622509717941},{"word":"you","start":1334.5751,"end":1334.735,"confidence":0.7644434,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.02334779128432274},{"word":"guys","start":1334.735,"end":1334.975,"confidence":0.9656881,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.038509488105773926},{"word":"and","start":1334.975,"end":1335.39,"confidence":0.26732337,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.02082585170865059},{"word":"other","start":1336.43,"end":1336.67,"confidence":0.5991042,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.011336944997310638},{"word":"other","start":1336.67,"end":1337.0701,"confidence":0.98613423,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.030067525804042816},{"word":"than","start":1337.0701,"end":1337.23,"confidence":0.99795145,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.02329205721616745},{"word":"that","start":1337.23,"end":1337.39,"confidence":0.9382497,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.03177408501505852},{"word":"if","start":1337.39,"end":1337.63,"confidence":0.99554634,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03355037420988083},{"word":"you","start":1337.63,"end":1337.79,"confidence":0.9969476,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.012957558035850523},{"word":"if","start":1337.79,"end":1338.03,"confidence":0.9837404,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.012286301702260973},{"word":"you","start":1338.03,"end":1338.1901,"confidence":0.99968493,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005052618682384491},{"word":"do","start":1338.1901,"end":1338.43,"confidence":0.99790275,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.0019457638263702393},{"word":"ring","start":1338.43,"end":1338.93,"confidence":0.99846363,"punctuated_word":"ring","sentiment":"neutral","sentiment_score":-0.022412799298763275},{"word":"and","start":1339.31,"end":1339.55,"confidence":0.93277687,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.023656081408262253},{"word":"i","start":1339.55,"end":1339.63,"confidence":0.9857414,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.016682017594575882},{"word":"don't","start":1339.63,"end":1339.87,"confidence":0.9990108,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.017489014193415642},{"word":"answer","start":1339.87,"end":1340.27,"confidence":0.99857485,"punctuated_word":"answer","sentiment":"neutral","sentiment_score":-0.06544031202793121},{"word":"it","start":1340.27,"end":1340.43,"confidence":0.86288595,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.020926615223288536},{"word":"just","start":1340.43,"end":1340.67,"confidence":0.9986425,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.06654134392738342},{"word":"leave","start":1340.67,"end":1340.91,"confidence":0.99927646,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.049251798540353775},{"word":"a","start":1340.91,"end":1340.99,"confidence":0.99760973,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03968830406665802},{"word":"message","start":1340.99,"end":1341.49,"confidence":0.99980086,"punctuated_word":"message","sentiment":"neutral","sentiment_score":-0.0308208204805851},{"word":"because","start":1341.9501,"end":1342.27,"confidence":0.5413597,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.04155903682112694},{"word":"most","start":1342.27,"end":1342.51,"confidence":0.99647814,"punctuated_word":"most","sentiment":"neutral","sentiment_score":-0.07206618785858154},{"word":"of","start":1342.51,"end":1342.83,"confidence":0.99938536,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0927719548344612},{"word":"the","start":1342.83,"end":1343.0701,"confidence":0.9877418,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09792223572731018},{"word":"electricity","start":1343.0701,"end":1343.5701,"confidence":0.99642473,"punctuated_word":"electricity","sentiment":"neutral","sentiment_score":-0.06711879372596741},{"word":"companies","start":1343.63,"end":1344.11,"confidence":0.9931874,"punctuated_word":"companies","sentiment":"neutral","sentiment_score":-0.08600689470767975},{"word":"that","start":1344.11,"end":1344.27,"confidence":0.9718304,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.06932208687067032},{"word":"are","start":1344.27,"end":1344.43,"confidence":0.99399513,"punctuated_word":"are","sentiment":"neutral","sentiment_score":-0.07496865093708038},{"word":"trying","start":1344.43,"end":1344.93,"confidence":0.99053776,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.08002632856369019},{"word":"to","start":1346.11,"end":1346.27,"confidence":0.9838822,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.05150463059544563},{"word":"talk","start":1346.27,"end":1346.51,"confidence":0.89660656,"punctuated_word":"talk","sentiment":"neutral","sentiment_score":-0.05422106385231018},{"word":"here","start":1346.51,"end":1347.01,"confidence":0.5247091,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.06784890592098236},{"word":"don't","start":1347.31,"end":1347.55,"confidence":0.8667979,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.05769830197095871},{"word":"leave","start":1347.55,"end":1347.79,"confidence":0.9985416,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.1032530516386032},{"word":"a","start":1347.79,"end":1347.9501,"confidence":0.99449146,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08518090099096298},{"word":"message","start":1347.9501,"end":1348.27,"confidence":0.9998172,"punctuated_word":"message","sentiment":"neutral","sentiment_score":-0.0926644206047058},{"word":"anyway","start":1348.27,"end":1348.67,"confidence":0.96467197,"punctuated_word":"anyway","sentiment":"neutral","sentiment_score":-0.09894533455371857},{"word":"sort","start":1348.67,"end":1348.91,"confidence":0.89781374,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.05190577358007431},{"word":"of","start":1348.91,"end":1349.0701,"confidence":0.97608316,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.058619026094675064},{"word":"thing","start":1349.0701,"end":1349.23,"confidence":0.96175754,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":-0.03231845423579216},{"word":"you","start":1349.23,"end":1349.39,"confidence":0.991659,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.01828914135694504},{"word":"know","start":1349.39,"end":1349.595,"confidence":0.9882866,"punctuated_word":"know?","sentiment":"neutral","sentiment_score":-0.005443833768367767},{"word":"either","start":1359.515,"end":1359.755,"confidence":0.6879067,"punctuated_word":"Either","sentiment":"neutral","sentiment_score":-0.028189782053232193},{"word":"one","start":1359.755,"end":1360.255,"confidence":0.944237,"punctuated_word":"one.","sentiment":"neutral","sentiment_score":-0.0329768992960453},{"word":"either","start":1360.635,"end":1360.875,"confidence":0.9798369,"punctuated_word":"Either","sentiment":"neutral","sentiment_score":-0.026854965835809708},{"word":"or","start":1360.875,"end":1361.115,"confidence":0.9726778,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.039042722433805466},{"word":"either","start":1361.115,"end":1361.355,"confidence":0.9476324,"punctuated_word":"either.","sentiment":"neutral","sentiment_score":-0.05198144167661667},{"word":"it","start":1361.355,"end":1361.515,"confidence":0.9361919,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.11065982282161713},{"word":"doesn't","start":1361.515,"end":1362.015,"confidence":0.9308037,"punctuated_word":"doesn't.","sentiment":"neutral","sentiment_score":-0.09409084171056747},{"word":"yes","start":1362.8,"end":1363.3,"confidence":0.9177203,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.08621552586555481},{"word":"it","start":1399.44,"end":1399.6,"confidence":0.83716506,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.03781008720397949},{"word":"has","start":1399.6,"end":1400.08,"confidence":0.9628513,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.018402403220534325},{"word":"it","start":1400.08,"end":1400.24,"confidence":0.97324014,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.091041699051857},{"word":"has","start":1400.24,"end":1400.48,"confidence":0.9984863,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.08831647783517838},{"word":"come","start":1400.48,"end":1400.72,"confidence":0.75704026,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.07766200602054596},{"word":"through","start":1400.72,"end":1401.0399,"confidence":0.99491864,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.05677393823862076},{"word":"just","start":1401.0399,"end":1401.5399,"confidence":0.51833737,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06730607897043228},{"word":"in","start":1402.915,"end":1403.0751,"confidence":0.9887778,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06206454336643219},{"word":"my","start":1403.0751,"end":1403.395,"confidence":0.99622715,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.09344504028558732},{"word":"email","start":1403.395,"end":1403.895,"confidence":0.74654937,"punctuated_word":"email.","sentiment":"neutral","sentiment_score":0.09505440294742584},{"word":"tommy","start":1404.275,"end":1404.775,"confidence":0.74780196,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":0.20439499616622925},{"word":"she","start":1410.275,"end":1410.515,"confidence":0.34549695,"punctuated_word":"she","sentiment":"neutral","sentiment_score":0.2903997004032135},{"word":"did","start":1410.515,"end":1410.755,"confidence":0.6648081,"punctuated_word":"did","sentiment":"positive","sentiment_score":0.3703189194202423},{"word":"request","start":1410.755,"end":1411.255,"confidence":0.56702834,"punctuated_word":"request.","sentiment":"positive","sentiment_score":0.3993963897228241},{"word":"i","start":1411.555,"end":1411.795,"confidence":0.35868126,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22214417159557345},{"word":"see","start":1411.795,"end":1412.1951,"confidence":0.72320485,"punctuated_word":"see.","sentiment":"neutral","sentiment_score":0.2098226100206375},{"word":"yep","start":1412.1951,"end":1412.6951,"confidence":0.81269926,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1758301705121994},{"word":"yep","start":1423.41,"end":1423.91,"confidence":0.7721219,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09940342605113985},{"word":"you","start":1436.335,"end":1436.495,"confidence":0.44359282,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.06597305834293365},{"word":"can","start":1436.495,"end":1436.735,"confidence":0.7817298,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.09225167334079742},{"word":"see","start":1436.735,"end":1436.895,"confidence":0.7347849,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.09565741568803789},{"word":"the","start":1436.895,"end":1437.135,"confidence":0.96198136,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0975201353430748},{"word":"netwell","start":1437.135,"end":1437.635,"confidence":0.5227154,"punctuated_word":"NetWell","sentiment":"neutral","sentiment_score":0.1128309816122055},{"word":"device","start":1439.695,"end":1440.095,"confidence":0.41301507,"punctuated_word":"device.","sentiment":"neutral","sentiment_score":0.10160820931196211},{"word":"please","start":1440.095,"end":1440.4149,"confidence":0.5320636,"punctuated_word":"Please","sentiment":"neutral","sentiment_score":0.08781564980745316},{"word":"consent","start":1440.4149,"end":1440.9149,"confidence":0.9257934,"punctuated_word":"consent.","sentiment":"neutral","sentiment_score":0.14685997366905212},{"word":"yep","start":1455.855,"end":1456.355,"confidence":0.8624415,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.13888919353485107},{"word":"yeah","start":1469.775,"end":1469.9349,"confidence":0.9843731,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11961027979850768},{"word":"yeah","start":1469.9349,"end":1470.095,"confidence":0.9497042,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14955396950244904},{"word":"that's","start":1470.095,"end":1470.335,"confidence":0.969334,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.2188938558101654},{"word":"no","start":1470.335,"end":1470.575,"confidence":0.60415983,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.27452853322029114},{"word":"problem","start":1470.575,"end":1471.05,"confidence":0.7556543,"punctuated_word":"problem.","sentiment":"neutral","sentiment_score":0.2744017243385315},{"word":"do","start":1480.81,"end":1480.9701,"confidence":0.7094487,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.10094555467367172},{"word":"do","start":1480.9701,"end":1481.0901,"confidence":0.6698118,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.08456188440322876},{"word":"you","start":1481.0901,"end":1481.2101,"confidence":0.99225426,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08498800545930862},{"word":"need","start":1481.2101,"end":1481.4501,"confidence":0.996197,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.07326839864253998},{"word":"me","start":1481.4501,"end":1481.6901,"confidence":0.9969342,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.07698579132556915},{"word":"to","start":1481.6901,"end":1481.77,"confidence":0.97488844,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06746755540370941},{"word":"sign","start":1481.77,"end":1482.01,"confidence":0.97760326,"punctuated_word":"sign","sentiment":"neutral","sentiment_score":0.06512685120105743},{"word":"this","start":1482.01,"end":1482.25,"confidence":0.93537474,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.051701150834560394},{"word":"now","start":1482.25,"end":1482.75,"confidence":0.97166044,"punctuated_word":"now?","sentiment":"neutral","sentiment_score":0.07113087922334671},{"word":"yep","start":1492.345,"end":1492.845,"confidence":0.8118597,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.09855465590953828},{"word":"alright","start":1493.705,"end":1494.205,"confidence":0.9804798,"punctuated_word":"Alright.","sentiment":"positive","sentiment_score":0.39220064878463745},{"word":"no","start":1507.08,"end":1507.3999,"confidence":0.9828744,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.095948725938797},{"word":"all","start":1507.3999,"end":1507.5599,"confidence":0.9505915,"punctuated_word":"All","sentiment":"neutral","sentiment_score":0.29090461134910583},{"word":"good","start":1507.5599,"end":1507.72,"confidence":0.9996701,"punctuated_word":"good.","sentiment":"neutral","sentiment_score":0.3094062805175781},{"word":"thank","start":1507.72,"end":1507.96,"confidence":0.9992142,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.6535531282424927},{"word":"you","start":1507.96,"end":1508.235,"confidence":0.9985594,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4686516523361206}],"paragraphs":{"transcript":"\nHello? Good. Thank you. How are you? That's okay.\n\nYep. Yeah. Yeah. Sure. 11/19/1963.\n\nAddress 23 Ingle Ring, Culvera Beach, New South Wales. Yep. That's good. No. Just walk us through what documents are coming through.\n\nYep. Yep. Okay. Yep. A financial gain.\n\nYep. Okay. Wonderful. Yep. I did see an email from Oakview.\n\nYes. Right. Okay. Okay. Cool.\n\nOkay. No. That sounds good. That's good. Yes.\n\nYep. Yep. I I think I that's what I've spoke to the the last folk that I spoke to about it as well. I was quite happy to have, like, would would have been around about 80% in secured sort of investments and the other 20 percent just as a, you know, high risk sort of thing. You know?\n\nYep. Yep. Okay. Yeah, mate. You you guys are the the experts at it.\n\nI, you know, leave that in your hands sort of thing. Yep. That's right. Yes. Yep.\n\nThat's right. Yes. Yeah. Yeah. Yeah.\n\nI'm just hoping, you know, if it can go up, you know, 12% a year for the next five or six years, that'd probably give me enough to retire on with a pension type of thing. You know? Right. Yep. Okay.\n\nYep. You know the sounds good. Yep. No. I could I could live with that.\n\nYeah. Right. Yeah. No. I wouldn't like to do that.\n\nNo. And let's say with the the way the world is at the moment, you know, you you just don't know what's gonna happen. Yep. Yep. No.\n\nProbably 70. 70 would be a good Stepping stones sort of thing, and we can yeah. That's right. Yes. Yeah.\n\nNo. I I've just I've I've got a I think it's about a 140 invested, and I've I've got well, I had about 10,000 in my savings account, which I use along with my pension. I mean, that's gone down a couple of thousand this year just to buying a a second car and a few few payments that sort of came out of nowhere sort of thing. But I probably wouldn't need to sort of dip into the pension into my investment for the next couple of years, I'd hope. Return deposit with the Commonwealth Bank.\n\nIt's I think it's at 4 percent or something like that. July, I think it is. July, I think it yeah. '26. Yep.\n\nYeah. I've got a little Nissan X Trail. It's only valued a couple of thousand. No. No loans.\n\nIt's no. Nothing nothing to speak of sort of thing. No. No. My son keeps on telling me to invest in it.\n\nBut yeah. Yeah. Yep. Yep. That's right.\n\nYes. Children. They're they're my children. Yes. Yep.\n\nOkay. Okay. Yep. Okay. Yeah.\n\nThat that sounds there we go. Yeah. No. I like that. I like I like the idea of it.\n\nWow. Yep. Yep. Alright. Yeah.\n\nYep. Well, I'm not too sure. What what it was is I had I had cancer going back about twenty years ago, and they had to open my back up, but I had a cancerous cord right around my spine. Look. I couldn't work.\n\nI mean, you know, I had to had to work. I'm only good for a couple of hours a day sort of thing. Light duties, I can't lift anything too heavy and that sort of thing. So I I don't look. I don't think I'd ever be called on to go back to work.\n\nI was self employed. I had a battery business. I was wholesaling car and truck marine batteries. Yes. I was.\n\nYeah. I was I was on the road in a van. Yep. Yep. Yeah.\n\nYeah. No. No. No. I will give that a misfit.\n\nYeah. Thanks. Yep. No. I'm the same.\n\nYeah. I I had a will that I made up quite a while ago. Yeah. I I probably do need to update it. No.\n\nI I wouldn't have had at that point in time. Would not have had. Yeah. Yep. Yeah.\n\nDefinitely. Yep. Yes. I do. Yep.\n\nAlright. No. No. It all all sounds pretty good. Yeah.\n\nNo. All good. Yeah. I I thought actually was going to do it this year, but that got canceled. So but yeah.\n\nMaybe in the next twelve months. No. I'll just leave that role as it is. Yep. Okay.\n\nYes. Yes. For sure. Alright. Great.\n\nNo. Just just one when you call me back regarding taking the money out and put it back in, will it be on this number? No. Just that I'm I'm saving some of the I don't normally answer interstate calls, but I remember last time that the girl said, oh, it had come through on an 07 number, and I said, okay. No worries.\n\nYou know? It's come through as a 0736679841. Just in yep. It's gonna be great. Yeah.\n\nThat way I'd know if you guys and other other than that, if you if you do ring and I don't answer it, just leave a message because most of the electricity companies that are trying to talk here don't leave a message anyway sort of thing. You know? Either one. Either or either. It doesn't.\n\nYes. It has it has come through just in my email. Tommy she did request. I see. Yep.\n\nYep. You can see the NetWell device. Please consent. Yep. Yeah.\n\nYeah. That's no problem. Do do you need me to sign this now? Yep. Alright.\n\nNo. All good. Thank you.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.6399999,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.03635537996888161},{"text":"Good.","start":8.88,"end":9.12,"sentiment":"positive","sentiment_score":0.41283079981803894},{"text":"Thank you.","start":9.12,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5483271181583405},{"text":"How are you?","start":9.5199995,"end":10.34,"sentiment":"positive","sentiment_score":0.33953436215718585},{"text":"That's okay.","start":14.559999,"end":15.445,"sentiment":"neutral","sentiment_score":0.09969944134354591}],"sentiment":"neutral","sentiment_score":0.3070935983624723,"num_words":9,"start":2.6399999,"end":15.445},{"sentences":[{"text":"Yep.","start":19.345,"end":19.845,"sentiment":"neutral","sentiment_score":0.13388657569885254},{"text":"Yeah.","start":28.945,"end":29.185,"sentiment":"neutral","sentiment_score":0.054191552102565765},{"text":"Yeah.","start":29.185,"end":29.425,"sentiment":"neutral","sentiment_score":0.06642963737249374},{"text":"Sure.","start":29.425,"end":29.925,"sentiment":"neutral","sentiment_score":0.09819260239601137},{"text":"11/19/1963.","start":41.95,"end":44.45,"sentiment":"neutral","sentiment_score":0.006979455705732107}],"sentiment":"neutral","sentiment_score":0.07193596465513111,"num_words":5,"start":19.345,"end":44.45},{"sentences":[{"text":"Address 23 Ingle Ring, Culvera Beach, New South Wales.","start":45.105003,"end":49.125,"sentiment":"neutral","sentiment_score":0.02436784551375442},{"text":"Yep.","start":58.145,"end":58.645,"sentiment":"neutral","sentiment_score":0.12834954261779785},{"text":"That's good.","start":58.945,"end":59.55,"sentiment":"neutral","sentiment_score":0.32625195384025574},{"text":"No.","start":68.83,"end":69.07,"sentiment":"neutral","sentiment_score":-0.013651910237967968},{"text":"Just walk us through what documents are coming through.","start":69.07,"end":72.29,"sentiment":"neutral","sentiment_score":-0.007158581581380632}],"sentiment":"neutral","sentiment_score":0.041912950702350245,"num_words":22,"start":45.105003,"end":72.29},{"sentences":[{"text":"Yep.","start":79.645004,"end":80.145004,"sentiment":"neutral","sentiment_score":0.10876943916082382},{"text":"Yep.","start":86.365005,"end":86.7,"sentiment":"neutral","sentiment_score":0.0844670981168747},{"text":"Okay.","start":97.5,"end":98.0,"sentiment":"neutral","sentiment_score":0.06582094728946686},{"text":"Yep.","start":98.14,"end":98.64,"sentiment":"neutral","sentiment_score":0.08707922697067261},{"text":"A financial gain.","start":106.954994,"end":108.174995,"sentiment":"neutral","sentiment_score":0.008447572588920593}],"sentiment":"neutral","sentiment_score":0.05306848990065711,"num_words":7,"start":79.645004,"end":108.174995},{"sentences":[{"text":"Yep.","start":122.090004,"end":122.590004,"sentiment":"neutral","sentiment_score":0.05312760919332504},{"text":"Okay.","start":130.535,"end":131.015,"sentiment":"neutral","sentiment_score":0.17907586693763733},{"text":"Wonderful.","start":131.015,"end":131.515,"sentiment":"neutral","sentiment_score":0.2262309342622757},{"text":"Yep.","start":134.535,"end":135.035,"sentiment":"positive","sentiment_score":0.39753127098083496},{"text":"I did see an email from Oakview.","start":172.71,"end":174.57,"sentiment":"neutral","sentiment_score":0.027135782475982393}],"sentiment":"neutral","sentiment_score":0.09508328715508635,"num_words":11,"start":122.090004,"end":174.57},{"sentences":[{"text":"Yes.","start":174.63,"end":175.125,"sentiment":"neutral","sentiment_score":0.042679205536842346},{"text":"Right.","start":189.205,"end":189.51,"sentiment":"neutral","sentiment_score":0.05713782459497452},{"text":"Okay.","start":204.87,"end":205.37,"sentiment":"neutral","sentiment_score":-0.018078511580824852},{"text":"Okay.","start":230.1,"end":230.6,"sentiment":"neutral","sentiment_score":0.15749284625053406},{"text":"Cool.","start":235.655,"end":236.155,"sentiment":"positive","sentiment_score":0.4709520936012268}],"sentiment":"neutral","sentiment_score":0.14203669168055058,"num_words":5,"start":174.63,"end":236.155},{"sentences":[{"text":"Okay.","start":251.015,"end":251.515,"sentiment":"neutral","sentiment_score":0.15330566465854645},{"text":"No.","start":251.79001,"end":251.95,"sentiment":"neutral","sentiment_score":0.12131188809871674},{"text":"That sounds good.","start":251.95,"end":259.28998,"sentiment":"neutral","sentiment_score":0.19220495658616224},{"text":"That's good.","start":265.55,"end":266.29,"sentiment":"positive","sentiment_score":0.7635281682014465},{"text":"Yes.","start":266.35,"end":266.805,"sentiment":"neutral","sentiment_score":0.24751964211463928}],"sentiment":"neutral","sentiment_score":0.3282260501291603,"num_words":8,"start":251.015,"end":266.805},{"sentences":[{"text":"Yep.","start":290.9,"end":291.22,"sentiment":"neutral","sentiment_score":0.06220334768295288},{"text":"Yep.","start":291.22,"end":291.72,"sentiment":"neutral","sentiment_score":0.07414115965366364},{"text":"I I think I that's what I've spoke to the the last folk that I spoke to about it as well.","start":291.78,"end":297.035,"sentiment":"neutral","sentiment_score":0.09949372141134172},{"text":"I was quite happy to have, like, would would have been around about 80% in secured sort of investments and the other 20 percent just as a, you know, high risk sort of thing.","start":297.255,"end":314.97998,"sentiment":"neutral","sentiment_score":0.23348599529879935},{"text":"You know?","start":314.97998,"end":315.56,"sentiment":"neutral","sentiment_score":0.06749642267823219}],"sentiment":"neutral","sentiment_score":0.17456320919475313,"num_words":59,"start":290.9,"end":315.56},{"sentences":[{"text":"Yep.","start":324.615,"end":325.115,"sentiment":"neutral","sentiment_score":0.08597324788570404},{"text":"Yep.","start":347.13,"end":347.415,"sentiment":"neutral","sentiment_score":0.0339023694396019},{"text":"Okay.","start":353.17502,"end":353.67502,"sentiment":"neutral","sentiment_score":0.06020308658480644},{"text":"Yeah, mate.","start":354.535,"end":355.17502,"sentiment":"neutral","sentiment_score":0.08720172941684723},{"text":"You you guys are the the experts at it.","start":355.17502,"end":357.415,"sentiment":"neutral","sentiment_score":0.12231295307477315}],"sentiment":"neutral","sentiment_score":0.10394991002976894,"num_words":14,"start":324.615,"end":357.415},{"sentences":[{"text":"I, you know, leave that in your hands sort of thing.","start":357.415,"end":361.355,"sentiment":"neutral","sentiment_score":0.09590555117888884},{"text":"Yep.","start":368.80002,"end":369.30002,"sentiment":"neutral","sentiment_score":0.06300796568393707},{"text":"That's right.","start":377.97498,"end":378.715,"sentiment":"neutral","sentiment_score":0.06252183392643929},{"text":"Yes.","start":379.495,"end":379.995,"sentiment":"neutral","sentiment_score":0.059341542422771454},{"text":"Yep.","start":380.775,"end":381.275,"sentiment":"neutral","sentiment_score":0.11610069125890732}],"sentiment":"neutral","sentiment_score":0.08865343313664198,"num_words":16,"start":357.415,"end":381.275},{"sentences":[{"text":"That's right.","start":382.455,"end":383.01498,"sentiment":"neutral","sentiment_score":0.13209475576877594},{"text":"Yes.","start":383.01498,"end":383.51498,"sentiment":"neutral","sentiment_score":0.10785519331693648},{"text":"Yeah.","start":392.29498,"end":392.53497,"sentiment":"neutral","sentiment_score":0.1354471743106842},{"text":"Yeah.","start":392.53497,"end":392.775,"sentiment":"neutral","sentiment_score":0.08870024979114532},{"text":"Yeah.","start":392.775,"end":393.275,"sentiment":"neutral","sentiment_score":0.1037047952413559}],"sentiment":"neutral","sentiment_score":0.11664948736627896,"num_words":6,"start":382.455,"end":393.275},{"sentences":[{"text":"I'm just hoping, you know, if it can go up, you know, 12% a year for the next five or six years, that'd probably give me enough to retire on with a pension type of thing.","start":393.45,"end":410.97876,"sentiment":"neutral","sentiment_score":0.11191725316974852},{"text":"You know?","start":414.14252,"end":418.30624,"sentiment":"neutral","sentiment_score":-0.09592264890670776},{"text":"Right.","start":430.35,"end":430.85,"sentiment":"neutral","sentiment_score":-0.005461204797029495},{"text":"Yep.","start":437.365,"end":437.865,"sentiment":"neutral","sentiment_score":0.011165959760546684},{"text":"Okay.","start":445.76498,"end":446.26498,"sentiment":"neutral","sentiment_score":0.0528310090303421}],"sentiment":"neutral","sentiment_score":0.09501735561686318,"num_words":41,"start":393.45,"end":446.26498},{"sentences":[{"text":"Yep.","start":460.9,"end":461.235,"sentiment":"neutral","sentiment_score":0.12025010585784912},{"text":"You know the sounds good.","start":462.91498,"end":464.29498,"sentiment":"neutral","sentiment_score":0.13556982278823854},{"text":"Yep.","start":469.875,"end":470.375,"sentiment":"neutral","sentiment_score":0.014331652782857418},{"text":"No.","start":470.51498,"end":470.59497,"sentiment":"neutral","sentiment_score":-0.17466513812541962},{"text":"I could I could live with that.","start":470.59497,"end":472.055,"sentiment":"neutral","sentiment_score":-0.21058665641716548}],"sentiment":"neutral","sentiment_score":-0.05575605736424526,"num_words":15,"start":460.9,"end":472.055},{"sentences":[{"text":"Yeah.","start":488.29,"end":488.69,"sentiment":"neutral","sentiment_score":-0.11443942785263062},{"text":"Right.","start":488.69,"end":489.045,"sentiment":"neutral","sentiment_score":-0.11368826031684875},{"text":"Yeah.","start":491.125,"end":491.605,"sentiment":"neutral","sentiment_score":-0.15987935662269592},{"text":"No.","start":491.605,"end":492.105,"sentiment":"negative","sentiment_score":-0.4323102831840515},{"text":"I wouldn't like to do that.","start":493.20502,"end":494.665,"sentiment":"negative","sentiment_score":-0.5034426897764206}],"sentiment":"negative","sentiment_score":-0.38409734666347506,"num_words":10,"start":488.29,"end":494.665},{"sentences":[{"text":"No.","start":499.045,"end":499.285,"sentiment":"neutral","sentiment_score":-0.14897002279758453},{"text":"And let's say with the the way the world is at the moment, you know, you you just don't know what's gonna happen.","start":499.285,"end":511.29,"sentiment":"neutral","sentiment_score":-0.12794283680293872},{"text":"Yep.","start":512.95,"end":513.45,"sentiment":"neutral","sentiment_score":0.13576212525367737},{"text":"Yep.","start":527.965,"end":528.365,"sentiment":"neutral","sentiment_score":0.10117002576589584},{"text":"No.","start":528.365,"end":528.605,"sentiment":"neutral","sentiment_score":0.042584292590618134}],"sentiment":"neutral","sentiment_score":-0.10415328983907346,"num_words":27,"start":499.045,"end":528.605},{"sentences":[{"text":"Probably 70.","start":528.605,"end":529.745,"sentiment":"neutral","sentiment_score":0.06424482725560665},{"text":"70 would be a good Stepping stones sort of thing, and we can yeah.","start":529.805,"end":535.37,"sentiment":"neutral","sentiment_score":0.13104496151208878},{"text":"That's right.","start":550.565,"end":551.20496,"sentiment":"neutral","sentiment_score":0.13483135029673576},{"text":"Yes.","start":551.20496,"end":551.70496,"sentiment":"neutral","sentiment_score":0.21190175414085388},{"text":"Yeah.","start":559.23,"end":559.47,"sentiment":"neutral","sentiment_score":0.06361913681030273}],"sentiment":"neutral","sentiment_score":0.1254151353612542,"num_words":20,"start":528.605,"end":559.47},{"sentences":[{"text":"No.","start":559.47,"end":559.95,"sentiment":"neutral","sentiment_score":0.0005551353096961975},{"text":"I I've just I've I've got a I think it's about a 140 invested, and I've I've got well, I had about 10,000 in my savings account, which I use along with my pension.","start":559.95,"end":571.14996,"sentiment":"neutral","sentiment_score":0.03559040663736489},{"text":"I mean, that's gone down a couple of thousand this year just to buying a a second car and a few few payments that sort of came out of nowhere sort of thing.","start":571.14996,"end":583.705,"sentiment":"neutral","sentiment_score":0.007679316469214179},{"text":"But I probably wouldn't need to sort of dip into the pension into my investment for the next couple of years, I'd hope.","start":583.845,"end":594.79,"sentiment":"neutral","sentiment_score":-0.003738089302635711},{"text":"Return deposit with the Commonwealth Bank.","start":608.785,"end":610.945,"sentiment":"neutral","sentiment_score":0.041142179941137634}],"sentiment":"neutral","sentiment_score":0.016751787939694587,"num_words":97,"start":559.47,"end":610.945},{"sentences":[{"text":"It's I think it's at 4 percent or something like that.","start":610.945,"end":613.74,"sentiment":"neutral","sentiment_score":0.058612662960182534},{"text":"July, I think it is.","start":618.77997,"end":620.64,"sentiment":"neutral","sentiment_score":-0.0027024362236261366},{"text":"July, I think it yeah.","start":621.42,"end":623.5,"sentiment":"neutral","sentiment_score":0.03005879484117031},{"text":"'26.","start":623.5,"end":624.39996,"sentiment":"neutral","sentiment_score":0.020805098116397858},{"text":"Yep.","start":634.605,"end":635.105,"sentiment":"neutral","sentiment_score":0.04514215514063835}],"sentiment":"neutral","sentiment_score":0.03684644951768543,"num_words":23,"start":610.945,"end":635.105},{"sentences":[{"text":"Yeah.","start":635.165,"end":635.565,"sentiment":"neutral","sentiment_score":0.0512278713285923},{"text":"I've got a little Nissan X Trail.","start":635.565,"end":638.225,"sentiment":"neutral","sentiment_score":0.06873375337038722},{"text":"It's only valued a couple of thousand.","start":639.3,"end":641.3,"sentiment":"neutral","sentiment_score":0.05104640924504825},{"text":"No.","start":641.3,"end":641.8,"sentiment":"neutral","sentiment_score":-0.00857747532427311},{"text":"No loans.","start":648.98,"end":649.64,"sentiment":"neutral","sentiment_score":-0.11925213038921356}],"sentiment":"neutral","sentiment_score":0.035700404085218906,"num_words":18,"start":635.165,"end":649.64},{"sentences":[{"text":"It's no.","start":652.42,"end":653.945,"sentiment":"neutral","sentiment_score":-0.14947903156280518},{"text":"Nothing nothing to speak of sort of thing.","start":653.945,"end":658.04504,"sentiment":"neutral","sentiment_score":-0.14607764780521393},{"text":"No.","start":662.42505,"end":662.585,"sentiment":"neutral","sentiment_score":-0.12908601760864258},{"text":"No.","start":662.585,"end":663.085,"sentiment":"neutral","sentiment_score":-0.16649878025054932},{"text":"My son keeps on telling me to invest in it.","start":664.265,"end":666.505,"sentiment":"neutral","sentiment_score":-0.19867896735668183}],"sentiment":"neutral","sentiment_score":-0.17045244168151508,"num_words":22,"start":652.42,"end":666.505},{"sentences":[{"text":"But yeah.","start":666.505,"end":667.405,"sentiment":"neutral","sentiment_score":-0.09846995770931244},{"text":"Yeah.","start":675.85004,"end":676.35004,"sentiment":"neutral","sentiment_score":-0.03069426864385605},{"text":"Yep.","start":676.73004,"end":677.23004,"sentiment":"neutral","sentiment_score":0.1629568636417389},{"text":"Yep.","start":697.88,"end":698.38,"sentiment":"neutral","sentiment_score":0.042381614446640015},{"text":"That's right.","start":707.025,"end":707.92505,"sentiment":"neutral","sentiment_score":0.07440653815865517}],"sentiment":"neutral","sentiment_score":0.018073910049029758,"num_words":7,"start":666.505,"end":707.92505},{"sentences":[{"text":"Yes.","start":711.265,"end":711.765,"sentiment":"neutral","sentiment_score":0.019801387563347816},{"text":"Children.","start":717.505,"end":718.005,"sentiment":"neutral","sentiment_score":-0.004611557349562645},{"text":"They're they're my children.","start":718.145,"end":719.765,"sentiment":"neutral","sentiment_score":0.02180207916535437},{"text":"Yes.","start":729.30005,"end":729.80005,"sentiment":"neutral","sentiment_score":0.014654507860541344},{"text":"Yep.","start":732.82,"end":733.065,"sentiment":"neutral","sentiment_score":0.04107758402824402}],"sentiment":"neutral","sentiment_score":0.019766279845498502,"num_words":8,"start":711.265,"end":733.065},{"sentences":[{"text":"Okay.","start":742.905,"end":743.405,"sentiment":"neutral","sentiment_score":-0.005090944468975067},{"text":"Okay.","start":749.81,"end":750.31,"sentiment":"neutral","sentiment_score":0.014721525833010674},{"text":"Yep.","start":768.945,"end":769.445,"sentiment":"positive","sentiment_score":0.36857640743255615},{"text":"Okay.","start":795.185,"end":795.685,"sentiment":"neutral","sentiment_score":0.16704604029655457},{"text":"Yeah.","start":797.10504,"end":797.425,"sentiment":"neutral","sentiment_score":0.16600972414016724}],"sentiment":"neutral","sentiment_score":0.1422525506466627,"num_words":5,"start":742.905,"end":797.425},{"sentences":[{"text":"That that sounds there we go.","start":797.425,"end":799.04504,"sentiment":"neutral","sentiment_score":0.13140523682037988},{"text":"Yeah.","start":800.22504,"end":800.385,"sentiment":"neutral","sentiment_score":0.15467381477355957},{"text":"No.","start":800.385,"end":800.625,"sentiment":"neutral","sentiment_score":0.16830161213874817},{"text":"I like that.","start":800.625,"end":801.3,"sentiment":"positive","sentiment_score":0.5023432374000549},{"text":"I like I like the idea of it.","start":801.38,"end":806.2,"sentiment":"positive","sentiment_score":0.5564892888069153}],"sentiment":"positive","sentiment_score":0.37212373002579335,"num_words":19,"start":797.425,"end":806.2},{"sentences":[{"text":"Wow.","start":834.93,"end":835.43,"sentiment":"positive","sentiment_score":0.4275387525558472},{"text":"Yep.","start":860.48,"end":860.98,"sentiment":"neutral","sentiment_score":0.29852575063705444},{"text":"Yep.","start":883.21,"end":883.71,"sentiment":"neutral","sentiment_score":0.22917526960372925},{"text":"Alright.","start":888.33,"end":888.765,"sentiment":"neutral","sentiment_score":0.01749618537724018},{"text":"Yeah.","start":899.72504,"end":900.125,"sentiment":"neutral","sentiment_score":0.2296163439750671}],"sentiment":"neutral","sentiment_score":0.24047046042978765,"num_words":5,"start":834.93,"end":900.125},{"sentences":[{"text":"Yep.","start":900.125,"end":900.625,"sentiment":"positive","sentiment_score":0.3910331726074219},{"text":"Well, I'm not too sure.","start":943.075,"end":944.535,"sentiment":"neutral","sentiment_score":-0.17513023018836976},{"text":"What what it was is I had I had cancer going back about twenty years ago, and they had to open my back up, but I had a cancerous cord right around my spine.","start":944.675,"end":957.735,"sentiment":"neutral","sentiment_score":-0.2329813529025106},{"text":"Look.","start":959.68005,"end":959.84,"sentiment":"neutral","sentiment_score":-0.2649809718132019},{"text":"I couldn't work.","start":959.84,"end":960.82,"sentiment":"negative","sentiment_score":-0.3967306613922119}],"sentiment":"neutral","sentiment_score":-0.22411720302294602,"num_words":44,"start":900.125,"end":960.82},{"sentences":[{"text":"I mean, you know, I had to had to work.","start":961.12006,"end":963.94,"sentiment":"neutral","sentiment_score":-0.27946695387363435},{"text":"I'm only good for a couple of hours a day sort of thing.","start":964.88,"end":967.7,"sentiment":"neutral","sentiment_score":-0.3075127097276541},{"text":"Light duties, I can't lift anything too heavy and that sort of thing.","start":968.32,"end":971.445,"sentiment":"neutral","sentiment_score":-0.327974035189702},{"text":"So I I don't look.","start":971.685,"end":972.645,"sentiment":"neutral","sentiment_score":-0.2325399935245514},{"text":"I don't think I'd ever be called on to go back to work.","start":972.645,"end":976.265,"sentiment":"neutral","sentiment_score":-0.1621198499431977}],"sentiment":"neutral","sentiment_score":-0.2653010229545611,"num_words":54,"start":961.12006,"end":976.265},{"sentences":[{"text":"I was self employed.","start":993.14,"end":994.58,"sentiment":"neutral","sentiment_score":-0.031051665544509888},{"text":"I had a battery business.","start":994.58,"end":996.02,"sentiment":"neutral","sentiment_score":-0.00878894068300724},{"text":"I was wholesaling car and truck marine batteries.","start":996.02,"end":1000.165,"sentiment":"neutral","sentiment_score":0.013015588978305459},{"text":"Yes.","start":1009.825,"end":1010.22504,"sentiment":"neutral","sentiment_score":0.013871386647224426},{"text":"I was.","start":1010.22504,"end":1010.545,"sentiment":"neutral","sentiment_score":-0.001498599536716938}],"sentiment":"neutral","sentiment_score":-0.0026576233096420763,"num_words":20,"start":993.14,"end":1010.545},{"sentences":[{"text":"Yeah.","start":1010.545,"end":1010.78503,"sentiment":"neutral","sentiment_score":0.02245706133544445},{"text":"I was I was on the road in a van.","start":1010.78503,"end":1024.02,"sentiment":"neutral","sentiment_score":0.011490986496210099},{"text":"Yep.","start":1024.02,"end":1024.52,"sentiment":"neutral","sentiment_score":-0.03047095239162445},{"text":"Yep.","start":1046.2401,"end":1046.7401,"sentiment":"neutral","sentiment_score":0.232331320643425},{"text":"Yeah.","start":1057.695,"end":1058.095,"sentiment":"neutral","sentiment_score":-0.0018261149525642395}],"sentiment":"neutral","sentiment_score":0.02410008425691298,"num_words":14,"start":1010.545,"end":1058.095},{"sentences":[{"text":"Yeah.","start":1058.095,"end":1058.1749,"sentiment":"neutral","sentiment_score":-0.04976388439536095},{"text":"No.","start":1058.1749,"end":1058.575,"sentiment":"neutral","sentiment_score":-0.29558756947517395},{"text":"No.","start":1058.575,"end":1059.075,"sentiment":"negative","sentiment_score":-0.3897516131401062},{"text":"No.","start":1060.495,"end":1060.6549,"sentiment":"negative","sentiment_score":-0.47146111726760864},{"text":"I will give that a misfit.","start":1060.6549,"end":1061.875,"sentiment":"negative","sentiment_score":-0.6586624185244242}],"sentiment":"negative","sentiment_score":-0.5158538695424795,"num_words":10,"start":1058.095,"end":1061.875},{"sentences":[{"text":"Yeah.","start":1062.4149,"end":1062.735,"sentiment":"neutral","sentiment_score":-0.04354460537433624},{"text":"Thanks.","start":1062.735,"end":1063.14,"sentiment":"neutral","sentiment_score":0.1363813579082489},{"text":"Yep.","start":1065.22,"end":1065.62,"sentiment":"neutral","sentiment_score":0.0435580275952816},{"text":"No.","start":1065.62,"end":1065.78,"sentiment":"neutral","sentiment_score":-0.12745212018489838},{"text":"I'm the same.","start":1065.78,"end":1066.68,"sentiment":"neutral","sentiment_score":-0.12839815517266592}],"sentiment":"neutral","sentiment_score":-0.053750257939100266,"num_words":7,"start":1062.4149,"end":1066.68},{"sentences":[{"text":"Yeah.","start":1089.875,"end":1090.035,"sentiment":"neutral","sentiment_score":-0.05048518627882004},{"text":"I I had a will that I made up quite a while ago.","start":1090.035,"end":1093.98,"sentiment":"neutral","sentiment_score":-0.08960761015231793},{"text":"Yeah.","start":1093.98,"end":1094.22,"sentiment":"neutral","sentiment_score":-0.0568728968501091},{"text":"I I probably do need to update it.","start":1094.22,"end":1097.12,"sentiment":"neutral","sentiment_score":-0.09372473321855068},{"text":"No.","start":1110.075,"end":1110.575,"sentiment":"negative","sentiment_score":-0.3411591649055481}],"sentiment":"neutral","sentiment_score":-0.09846725190679233,"num_words":24,"start":1089.875,"end":1110.575},{"sentences":[{"text":"I I wouldn't have had at that point in time.","start":1110.635,"end":1113.615,"sentiment":"neutral","sentiment_score":-0.3175520420074463},{"text":"Would not have had.","start":1114.235,"end":1115.22,"sentiment":"neutral","sentiment_score":-0.21850934997200966},{"text":"Yeah.","start":1115.22,"end":1115.72,"sentiment":"neutral","sentiment_score":0.03073469176888466},{"text":"Yep.","start":1126.66,"end":1126.845,"sentiment":"neutral","sentiment_score":-0.03741035982966423},{"text":"Yeah.","start":1139.485,"end":1139.8049,"sentiment":"neutral","sentiment_score":-0.0930594950914383}],"sentiment":"neutral","sentiment_score":-0.2440760578302776,"num_words":17,"start":1110.635,"end":1139.8049},{"sentences":[{"text":"Definitely.","start":1139.8049,"end":1140.3049,"sentiment":"neutral","sentiment_score":-0.04179346561431885},{"text":"Yep.","start":1141.085,"end":1141.38,"sentiment":"neutral","sentiment_score":0.0589415431022644},{"text":"Yes.","start":1148.58,"end":1148.9,"sentiment":"neutral","sentiment_score":0.015496677719056606},{"text":"I do.","start":1148.9,"end":1149.56,"sentiment":"neutral","sentiment_score":0.006779070012271404},{"text":"Yep.","start":1156.02,"end":1156.335,"sentiment":"neutral","sentiment_score":0.049112409353256226}],"sentiment":"neutral","sentiment_score":0.015885884097466867,"num_words":6,"start":1139.8049,"end":1156.335},{"sentences":[{"text":"Alright.","start":1161.2949,"end":1161.7949,"sentiment":"neutral","sentiment_score":0.21963094174861908},{"text":"No.","start":1171.66,"end":1171.74,"sentiment":"neutral","sentiment_score":-0.0349857434630394},{"text":"No.","start":1171.74,"end":1171.86,"sentiment":"neutral","sentiment_score":-0.048358168452978134},{"text":"It all all sounds pretty good.","start":1171.86,"end":1173.84,"sentiment":"neutral","sentiment_score":0.26494234303633374},{"text":"Yeah.","start":1176.06,"end":1176.3,"sentiment":"neutral","sentiment_score":0.027844263240695}],"sentiment":"neutral","sentiment_score":0.17537853512912988,"num_words":10,"start":1161.2949,"end":1176.3},{"sentences":[{"text":"No.","start":1176.3,"end":1176.8,"sentiment":"neutral","sentiment_score":-0.008707964792847633},{"text":"All good.","start":1179.5,"end":1180.32,"sentiment":"neutral","sentiment_score":0.09011908993124962},{"text":"Yeah.","start":1186.78,"end":1187.1,"sentiment":"neutral","sentiment_score":-0.022583454847335815},{"text":"I I thought actually was going to do it this year, but that got canceled.","start":1187.1,"end":1191.755,"sentiment":"neutral","sentiment_score":-0.08215259859959284},{"text":"So but yeah.","start":1191.8151,"end":1193.355,"sentiment":"neutral","sentiment_score":-0.042564064264297485}],"sentiment":"neutral","sentiment_score":-0.05504701870747588,"num_words":22,"start":1176.3,"end":1193.355},{"sentences":[{"text":"Maybe in the next twelve months.","start":1194.2151,"end":1195.8351,"sentiment":"neutral","sentiment_score":-0.015057136304676533},{"text":"No.","start":1212.55,"end":1212.79,"sentiment":"neutral","sentiment_score":-0.12164440751075745},{"text":"I'll just leave that role as it is.","start":1212.79,"end":1214.415,"sentiment":"neutral","sentiment_score":-0.11814181506633759},{"text":"Yep.","start":1214.9751,"end":1215.4751,"sentiment":"neutral","sentiment_score":0.053166985511779785},{"text":"Okay.","start":1219.855,"end":1220.355,"sentiment":"neutral","sentiment_score":0.16341567039489746}],"sentiment":"neutral","sentiment_score":-0.055325828821343535,"num_words":17,"start":1194.2151,"end":1220.355},{"sentences":[{"text":"Yes.","start":1230.67,"end":1231.17,"sentiment":"neutral","sentiment_score":0.30838531255722046},{"text":"Yes.","start":1247.4049,"end":1247.725,"sentiment":"neutral","sentiment_score":0.1916978657245636},{"text":"For sure.","start":1247.725,"end":1248.3849,"sentiment":"neutral","sentiment_score":0.2076248824596405},{"text":"Alright.","start":1264.5399,"end":1265.0399,"sentiment":"positive","sentiment_score":0.3806880116462707},{"text":"Great.","start":1265.1799,"end":1265.655,"sentiment":"positive","sentiment_score":0.6820132732391357}],"sentiment":"neutral","sentiment_score":0.32967237134774524,"num_words":6,"start":1230.67,"end":1265.655},{"sentences":[{"text":"No.","start":1270.295,"end":1270.775,"sentiment":"neutral","sentiment_score":-0.02298179641366005},{"text":"Just just one when you call me back regarding taking the money out and put it back in, will it be on this number?","start":1270.775,"end":1277.915,"sentiment":"neutral","sentiment_score":-0.0201175210531801},{"text":"No.","start":1284.23,"end":1284.55,"sentiment":"neutral","sentiment_score":-0.02057591825723648},{"text":"Just that I'm I'm saving some of the I don't normally answer interstate calls, but I remember last time that the girl said, oh, it had come through on an 07 number, and I said, okay.","start":1284.55,"end":1295.235,"sentiment":"neutral","sentiment_score":-0.011978930657884726},{"text":"No worries.","start":1295.235,"end":1295.875,"sentiment":"neutral","sentiment_score":-0.0015211673453450203}],"sentiment":"neutral","sentiment_score":-0.015010344661277486,"num_words":64,"start":1270.295,"end":1295.875},{"sentences":[{"text":"You know?","start":1295.875,"end":1296.455,"sentiment":"neutral","sentiment_score":-0.006904205773025753},{"text":"It's come through as a 0736679841.","start":1314.5801,"end":1319.535,"sentiment":"neutral","sentiment_score":-0.004526001478855808},{"text":"Just in yep.","start":1319.6951,"end":1331.9551,"sentiment":"neutral","sentiment_score":0.029324936370054882},{"text":"It's gonna be great.","start":1332.175,"end":1333.055,"sentiment":"positive","sentiment_score":0.41841646283864975},{"text":"Yeah.","start":1333.055,"end":1333.535,"sentiment":"neutral","sentiment_score":0.07770171761512756}],"sentiment":"neutral","sentiment_score":0.11239862235379405,"num_words":16,"start":1295.875,"end":1333.535},{"sentences":[{"text":"That way I'd know if you guys and other other than that, if you if you do ring and I don't answer it, just leave a message because most of the electricity companies that are trying to talk here don't leave a message anyway sort of thing.","start":1333.535,"end":1349.23,"sentiment":"neutral","sentiment_score":-0.027268252632719404},{"text":"You know?","start":1349.23,"end":1349.595,"sentiment":"neutral","sentiment_score":-0.011866487562656404},{"text":"Either one.","start":1359.515,"end":1360.255,"sentiment":"neutral","sentiment_score":-0.030583340674638748},{"text":"Either or either.","start":1360.635,"end":1361.355,"sentiment":"neutral","sentiment_score":-0.039293043315410614},{"text":"It doesn't.","start":1361.355,"end":1362.015,"sentiment":"neutral","sentiment_score":-0.1023753322660923}],"sentiment":"neutral","sentiment_score":-0.03016316651233605,"num_words":56,"start":1333.535,"end":1362.015},{"sentences":[{"text":"Yes.","start":1362.8,"end":1363.3,"sentiment":"neutral","sentiment_score":0.08621552586555481},{"text":"It has it has come through just in my email.","start":1399.44,"end":1403.895,"sentiment":"neutral","sentiment_score":0.06878766771405935},{"text":"Tommy she did request.","start":1404.275,"end":1411.255,"sentiment":"neutral","sentiment_score":0.3161275014281273},{"text":"I see.","start":1411.555,"end":1412.1951,"sentiment":"neutral","sentiment_score":0.21598339080810547},{"text":"Yep.","start":1412.1951,"end":1412.6951,"sentiment":"neutral","sentiment_score":0.1758301705121994}],"sentiment":"neutral","sentiment_score":0.14702217560261488,"num_words":18,"start":1362.8,"end":1412.6951},{"sentences":[{"text":"Yep.","start":1423.41,"end":1423.91,"sentiment":"neutral","sentiment_score":0.09940342605113985},{"text":"You can see the NetWell device.","start":1436.335,"end":1440.095,"sentiment":"neutral","sentiment_score":0.09430691227316856},{"text":"Please consent.","start":1440.095,"end":1440.9149,"sentiment":"neutral","sentiment_score":0.11733781173825264},{"text":"Yep.","start":1455.855,"end":1456.355,"sentiment":"neutral","sentiment_score":0.13888919353485107},{"text":"Yeah.","start":1469.775,"end":1469.9349,"sentiment":"neutral","sentiment_score":0.11961027979850768}],"sentiment":"neutral","sentiment_score":0.10531090877272865,"num_words":11,"start":1423.41,"end":1469.9349},{"sentences":[{"text":"Yeah.","start":1469.9349,"end":1470.095,"sentiment":"neutral","sentiment_score":0.14955396950244904},{"text":"That's no problem.","start":1470.095,"end":1471.05,"sentiment":"neutral","sentiment_score":0.25594137112299603},{"text":"Do do you need me to sign this now?","start":1480.81,"end":1482.75,"sentiment":"neutral","sentiment_score":0.07513067457411024},{"text":"Yep.","start":1492.345,"end":1492.845,"sentiment":"neutral","sentiment_score":0.09855465590953828},{"text":"Alright.","start":1493.705,"end":1494.205,"sentiment":"positive","sentiment_score":0.39220064878463745}],"sentiment":"neutral","sentiment_score":0.138953963915507,"num_words":15,"start":1469.9349,"end":1494.205},{"sentences":[{"text":"No.","start":1507.08,"end":1507.3999,"sentiment":"neutral","sentiment_score":-0.095948725938797},{"text":"All good.","start":1507.3999,"end":1507.72,"sentiment":"neutral","sentiment_score":0.300155445933342},{"text":"Thank you.","start":1507.72,"end":1508.235,"sentiment":"positive","sentiment_score":0.5611023902893066}],"sentiment":"neutral","sentiment_score":0.32531338930130005,"num_words":5,"start":1507.08,"end":1508.235}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good evening, Jeffrey. It's Tommy here, senior adviser from. How are you going?\n\nChannel 1: Good. Thank you. How are you?\n\nChannel 0: I'm doing absolutely fantastic today. Thank you for asking. Mate, I'll\n\nChannel 1: That's\n\nChannel 0: just give\n\nChannel 1: okay.\n\nChannel 0: you a call to go through this annual review with you if you still have time.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. Now I'm gonna shoot through an annual review pack to your email. Do you mind if I just quickly confirm security with you?\n\nChannel 1: Yeah. Yeah. Sure.\n\nChannel 0: Perfect. So the calls are recorded for training and quality purposes. We don't have a security question on file. So could you please confirm your date of birth and address, please?\n\nChannel 1: 11/19/1963. Address 23 Ingle Ring, Culvera Beach, New South Wales.\n\nChannel 0: Thank you so much for that, sir. I have your email down as jeffwilka@gmail.com. Is it okay if I shoot it through to that?\n\nChannel 1: Yep. That's good.\n\nChannel 0: Awesome. Will you be able to look on to this email with me today, or do you want me to just kind of walk you through what documents are coming through?\n\nChannel 1: No. Just walk us through what documents are coming through.\n\nChannel 0: Yep. No worries. So what's gonna pop through is you've got an updated performance report for your Netwealth Super\n\nChannel 1: Yep.\n\nChannel 0: as well as a financial services guide because we update, like, our licensing details every year,\n\nChannel 1: Yep.\n\nChannel 0: complaints, procedure, privacy policy, and so on. It also includes an updated service agreement as well if you're still happy with the services at the end of the review,\n\nChannel 1: Okay.\n\nChannel 0: and I'm\n\nChannel 1: Yep.\n\nChannel 0: gonna pop that through to you now. But is there anything in particular that you're hoping to get out of this year's review?\n\nChannel 1: A financial gain.\n\nChannel 0: I was having a pretty close look at this over the last couple of weeks. And with the stock market going pretty crazy, I was a bit worried about your risk level, but\n\nChannel 1: Yep.\n\nChannel 0: you've actually the super has grown from just over 80,000 to 89,000 as of today.\n\nChannel 1: Okay. Wonderful.\n\nChannel 0: So it's done pretty well. Just\n\nChannel 1: Yep.\n\nChannel 0: to quickly go over performance with you because that's one thing I wanted to just really touch on with you today, and then I'm gonna update a few details. But most of the investment options that you've been having in your portfolio, because there's about eight or nine of them that we've put together for you, they've all had pretty solid double digit growth for the year. Only some cybersecurity shares went down 3%, but mostly everything's been going up about 14 to 16%. And you possibly would have gotten an email over the last few months about a a record of advice or an ROI. Do you remember seeing that come through?\n\nChannel 1: I did see an email from Oakview. Yes.\n\nChannel 0: Yep. So just to let you know what happened there, one of the investment options was flagged company wide. You had two Australian shares options. One was BetaShares, one was Benelon. BetaShares\n\nChannel 1: Right.\n\nChannel 0: is doing fantastic, but that Benelon option, we flagged some significant underperformance the last couple of years, and we made a decision on the licensee level to replace that option across all clients.\n\nChannel 1: Okay.\n\nChannel 0: So normally, what would happen is if we go through a review and we wanna update your portfolio, we probably have a bit of a chat and go through another statement of advice and just show you what we're looking to change. But this one, we were just worried about it being quite a lot more volatile than all the other Australian shares options. So that one was dropping about 14%, which was pretty heavy. We\n\nChannel 1: Okay.\n\nChannel 0: pushed it out for another Australian share ETF, and it's\n\nChannel 1: Cool.\n\nChannel 0: already jumped up another 3% to kind of make that back. And so it's really, you know, that as far as I can see it, if we were to maintain the same risk level, everything's looking pretty good across the whole portfolio now.\n\nChannel 1: Okay. No. That sounds\n\nChannel 0: Thanks. So I guess in percentage terms, because we usually compare this in percentage,\n\nChannel 1: good.\n\nChannel 0: it's been just under an 11% return after fees, and that's that 80 to 89,000. Cool.\n\nChannel 1: That's good. Yes.\n\nChannel 0: Now when I'm looking at it, though, because you've got about 20% sorry, 25% in fixed interest, which is kind of like your term deposits, your safer investment, and the rest of it is split between, like, shares, property, gold, and infrastructure. There's your growth assets. So it's kind of a seventy five twenty five split. Does that make sense?\n\nChannel 1: Yep. Yep. I I think I that's what I've spoke to the the last folk that I spoke to about it as well. I was quite happy to have, like, would would have been around about 80% in secured sort of investments and the other 20\n\nChannel 0: Yep.\n\nChannel 1: percent just as a, you know, high risk sort of thing. You know?\n\nChannel 0: Yeah. And when I look at most of these options, because they're kind of index funds, they're pretty stable across the board.\n\nChannel 1: Yep.\n\nChannel 0: They're, I guess, what you would call like a low risk version version of shares, whereas you can go for some pretty high risk versions of the same investments. Now because of the way I can see that asset allocation at the moment, if you were wanting a pretty conservative portfolio, you know, like 80% safe, 20% high risk, I would\n\nChannel 1: Yep.\n\nChannel 0: probably actually look at switching a few things around and bringing the risk.\n\nChannel 1: Okay. Yeah, mate. You you guys are the the experts at it. I, you know, leave that in your hands sort of thing.\n\nChannel 0: Yep. Yep. Now to kind of make a recommendation there, I'll definitely do a bit of an updated portfolio for you. One thing I wanted\n\nChannel 1: Yep.\n\nChannel 0: to just check was the the main purpose for the super because I can see that you were on, I guess, that, like, disability support pension with\n\nChannel 1: That's\n\nChannel 0: a bit\n\nChannel 1: right.\n\nChannel 0: of kind of cash in the\n\nChannel 1: Yes.\n\nChannel 0: bank and you've got the mortgage\n\nChannel 1: Yep.\n\nChannel 0: paid off. Is that right?\n\nChannel 1: That's right. Yes.\n\nChannel 0: Yep. So what would be, like, the main purpose for the super for the next few years for you? Is it just to get, like, a a bit of safe growth out of it and you're wanting\n\nChannel 1: Yeah.\n\nChannel 0: to\n\nChannel 1: Yeah.\n\nChannel 0: access\n\nChannel 1: Yeah.\n\nChannel 0: it\n\nChannel 1: I'm\n\nChannel 0: to fund?\n\nChannel 1: just hoping, you know, if it can go up, you know, 12% a year for the next five or six years, that'd probably give me enough to retire on with a pension type of\n\nChannel 0: Yeah. The tricky situation\n\nChannel 1: thing.\n\nChannel 0: that we've got is because of everything that's going on in the world at the moment,\n\nChannel 1: You\n\nChannel 0: the projections going forward for a lot of\n\nChannel 1: know?\n\nChannel 0: asset classes is quite far down. So your current risk level, I would describe it as like a three and a half out of five. It's a little bit above medium risk.\n\nChannel 1: Right.\n\nChannel 0: That's still aiming for around about that nine to 10% average return. But\n\nChannel 1: Yep.\n\nChannel 0: then again, usually recommended for someone who's not gonna access the food for about six or seven years.\n\nChannel 1: Okay.\n\nChannel 0: So what I'm sort of thinking is if we still want to aim for that level of return, we could possibly reduce the risk level by about, like, one one point, put you down to, like, a two and a half or a three.\n\nChannel 1: Yep. You\n\nChannel 0: That\n\nChannel 1: know the\n\nChannel 0: might\n\nChannel 1: sounds\n\nChannel 0: get you\n\nChannel 1: good.\n\nChannel 0: maybe an 8% average or 9% average.\n\nChannel 1: Yep. No. I could I could live with that.\n\nChannel 0: The one thing I was worried about is we kind of left it the way it was trying to hunt for the higher returns. If this situation turns into a really big crash, you could be sitting there at 65,000 next year and then\n\nChannel 1: Yeah.\n\nChannel 0: having\n\nChannel 1: Right.\n\nChannel 0: to wait five years for it to build back up.\n\nChannel 1: Yeah. No. I wouldn't like to do that.\n\nChannel 0: Yes. It doesn't sound like it'd be a fun ride for you, especially just\n\nChannel 1: No.\n\nChannel 0: given\n\nChannel 1: And let's say\n\nChannel 0: when you're\n\nChannel 1: with\n\nChannel 0: looking\n\nChannel 1: the the\n\nChannel 0: to\n\nChannel 1: way\n\nChannel 0: access\n\nChannel 1: the world\n\nChannel 0: it.\n\nChannel 1: is at the moment, you know, you you just don't know what's gonna\n\nChannel 0: Yeah. So usually when we get closer to retirement, we slowly reduce\n\nChannel 1: happen.\n\nChannel 0: it down every year or two. So\n\nChannel 1: Yep.\n\nChannel 0: from that 75% down to about seventy, sixty, fifty, forty. So if you want to go middle of the road, I can drop it from 75 to 70%. Or if you want to go a little bit safer, I can drop it to 60. Just want to kind of gauge your thoughts.\n\nChannel 1: Yep. No. Probably 70. 70 would be a good\n\nChannel 0: Yep.\n\nChannel 1: Stepping\n\nChannel 0: So go\n\nChannel 1: stones\n\nChannel 0: just\n\nChannel 1: sort\n\nChannel 0: a\n\nChannel 1: of\n\nChannel 0: tiny\n\nChannel 1: thing, and\n\nChannel 0: bit\n\nChannel 1: we can\n\nChannel 0: more growth focus. Yep. I\n\nChannel 1: yeah.\n\nChannel 0: think so. K. That's perfect. I can do that. No worries at all.\n\nJust in terms of those assets, I think we had the home valued at about 1,000,000 flat with nothing owing on it and about 140 in a high interest savings account.\n\nChannel 1: That's right. Yes.\n\nChannel 0: Yep. Cool. So all that's still stable there. You're just kind of living off the pension at the moment, not dipping into the capital.\n\nChannel 1: Yeah. No. I I've just I've I've got a I think it's about a 140 invested, and I've I've got well, I had about 10,000 in my savings account, which I use along with my pension. I mean, that's gone down a couple of thousand this year just to buying a a second car and a few few payments that sort of came out of nowhere sort of thing. But\n\nChannel 0: Yeah.\n\nChannel 1: I probably wouldn't need to sort of dip into the pension into my investment for the next couple of years, I'd hope.\n\nChannel 0: Yep. Perfect. Perfect. So one thing I wanna double check with you then is with the 140,000 you have in savings, is that in, like, a high interest savings account or, like, a locked away term deposit?\n\nChannel 1: Return deposit with the Commonwealth Bank. It's I think it's at 4 percent or something like that.\n\nChannel 0: Yep. And is that maturing relatively soon, or is that still\n\nChannel 1: July,\n\nChannel 0: locked away until '20\n\nChannel 1: I think\n\nChannel 0: '20\n\nChannel 1: it is.\n\nChannel 0: '7?\n\nChannel 1: July, I think it yeah. '26.\n\nChannel 0: July. Okay. Perfect. And then as far as the cars go, we had the whole Holden Colorado there at about 22,000. Is there a second vehicle in there?\n\nChannel 1: Yep. Yeah. I've got a little Nissan X Trail. It's only valued a couple of thousand. No.\n\nChannel 0: Yep. Perfect. Any other assets or loans or anything floating around?\n\nChannel 1: No loans. It's no. Nothing nothing to speak of sort of thing.\n\nChannel 0: Amazing. Don't have a million dollars of crypto sitting under the pillow or anything like that.\n\nChannel 1: No. No. My son keeps on telling me to invest in it. But yeah.\n\nChannel 0: Yeah. May maybe leave that for the person who can stand to wait twenty years for it to go up if it crashes 90%, that\n\nChannel 1: Yeah.\n\nChannel 0: kind of thing.\n\nChannel 1: Yep.\n\nChannel 0: Perfect. I had a couple of last thoughts when it came to the super there, and then I'm just gonna double check a couple of other detail. But your super is currently in, like, an accumulation account where it's still in the super space. It's not technically in a pension account yet because you're not drawing down, if that makes sense.\n\nChannel 1: Yep.\n\nChannel 0: Now I was looking at your, like, estate planning, and we had Carly and William listed as your beneficiaries for the super.\n\nChannel 1: That's right.\n\nChannel 0: Yeah. Just as I'm\n\nChannel 1: Yes.\n\nChannel 0: but are they, like, partner, adult children? What's their\n\nChannel 1: Children.\n\nChannel 0: relation?\n\nChannel 1: They're they're my children.\n\nChannel 0: Perfect. And they're all over 18? Yep. So the only other thoughts I had was two things, and\n\nChannel 1: Yes.\n\nChannel 0: these are not necessities. It's just ideas here. Is\n\nChannel 1: Yep.\n\nChannel 0: if you put your super into a pension account, all of the earnings that it grows for the interest, it all turns into tax free instead of\n\nChannel 1: Okay.\n\nChannel 0: the usual 15% concessional rate. What it does, however,\n\nChannel 1: Okay.\n\nChannel 0: is once you convert it into a pension account, you have to draw down a minimum of 4% out of the super account. So it would be, I guess, the optimal scenario would be if we put it pretty much all in a pension account to increase the earnings tax free. You would have\n\nChannel 1: Yep.\n\nChannel 0: a little bit coming out. And if you didn't need to use the funds, we could actually recontribute it back in and kind of just recycle it a little bit. And that also means that anything that we put back in goes in as non concessional, which means it's tax free for your beneficiaries. They wouldn't pay that kind of 15% tax or 17% when they received it.\n\nChannel 1: Okay. Yeah.\n\nChannel 0: So\n\nChannel 1: That that\n\nChannel 0: I just\n\nChannel 1: sounds\n\nChannel 0: wanted\n\nChannel 1: there\n\nChannel 0: to\n\nChannel 1: we\n\nChannel 0: kind\n\nChannel 1: go.\n\nChannel 0: of float the idea with you.\n\nChannel 1: Yeah. No. I like that. I like I like the idea\n\nChannel 0: K. One other thing\n\nChannel 1: of it.\n\nChannel 0: that I kind of wanna try to is if I'm looking in Netwealth account at the moment, just because of your state of life, it gives you a full breakdown of what your taxable component is, which is at 17% for estate purposes versus your tax free component. Now 87,000 of your 89 is sitting in taxable. So if you were to pass away tomorrow, that's the majority of the contract.\n\nChannel 1: Wow.\n\nChannel 0: We can actually do something called a cash out recontribution if you're comfortable to do this with us. And what it basically is is we could pull out, say, 80,000 and put it back in within a day or two, and that would essentially wash 90% of the funds back into a tax free portion for your children.\n\nChannel 1: Yep.\n\nChannel 0: So if you're comfortable to kind of go through that ride with me, there wouldn't be too much for you to do. I would basically update your portfolio to be a bit more conservative. We would then set up your pension account, do a little withdrawal, and then you just have to put it back in again via, like, a BPAY or EFT, and\n\nChannel 1: Yep.\n\nChannel 0: we would handle all the rest in the background.\n\nChannel 1: Alright.\n\nChannel 0: Would you be comfortable to kind of I'll put that in writing so it's in plan for you, but would you be comfortable possibly doing that with us as a bit of a one off strategy?\n\nChannel 1: Yeah. Yep.\n\nChannel 0: Cool. I'll definitely crunch some numbers and sort of see how it would be best to do that and go through that updated advice document with you in a few weeks' time just to show you what I'm changing with the investments and also how to go about doing that, and we'll pretty much hold your hand along the whole whole time. And the last thing I wanted to check was because you're on disability support pension, would you be essentially classed by the doctors as, say, only and permanently disabled by TBD, or is it just kind of middle ground in between?\n\nChannel 1: Well, I'm not too sure. What what it was is I had I had cancer going back about twenty years ago, and they had to open my back up, but I had a cancerous cord right around my spine. Look. I couldn't work. I mean, you know, I had to had to work.\n\nI'm only good for a couple of hours a day sort of thing. Light duties, I can't lift anything too heavy and that sort of thing. So I I don't look. I don't think\n\nChannel 0: Yes.\n\nChannel 1: I'd ever be called on to go back to work.\n\nChannel 0: Perfect. So the I guess the last question there is when you had that situation occurring and you stopped working, what were you actually doing for work at the time?\n\nChannel 1: I was self employed. I had a battery business. I was wholesaling car and truck marine batteries.\n\nChannel 0: Yep. And you would have had to do a bit of, like, traveling around, like, travel salesman type thing? Or\n\nChannel 1: Yes. I was. Yeah. I was I was on the road in\n\nChannel 0: yep. So I guess why I'm kind of going down this route too is that because we're in this situation where I'm kind of optimizing your estate planning,\n\nChannel 1: a\n\nChannel 0: you\n\nChannel 1: van. Yep.\n\nChannel 0: can also potentially click on, like, a TBD status on the super, and that'll give you, like, a tax free up to list to convert your funds as well. It would be a lot more paperwork in terms of doctors' reports, filling out heaps of forms, and all that kind of thing, which I can pretty much achieve just by doing that repontribution with the pension I mentioned. But it\n\nChannel 1: Yep.\n\nChannel 0: would kind of give you that last little little optimization there. It would be a decent amount of work for a little gain, but it's, I guess, what I would say is the most optimal situation. So\n\nChannel 1: Yeah.\n\nChannel 0: I just\n\nChannel 1: Yeah. No.\n\nChannel 0: wanted to run\n\nChannel 1: No.\n\nChannel 0: it by you if that's\n\nChannel 1: No. I will give that\n\nChannel 0: yeah.\n\nChannel 1: a misfit. Yeah. Thanks.\n\nChannel 0: That's okay. I just had to ask the question then.\n\nChannel 1: Yep.\n\nChannel 0: Yep.\n\nChannel 1: No. I'm the same.\n\nChannel 0: So I'll leave that out, and we'll just do the pension. Pension. Haven't changed address. Haven't changed family status. And the last thing was in terms of, like, a will, you did have a will in place, so I think you were going to update at some point.\n\nIt was getting a little bit old. Did you end up doing\n\nChannel 1: Yeah. I\n\nChannel 0: that? Or\n\nChannel 1: I had a will that I made up quite a while ago. Yeah. I I probably do need to update it.\n\nChannel 0: Yep. And when it comes to the will, I I know it might be a bit hard to think back several years, but do you know if you have, like, a power of attorney put in place if you remember what that does?\n\nChannel 1: No. I I wouldn't have had at that point in time. Would not have had.\n\nChannel 0: Yeah.\n\nChannel 1: Yeah.\n\nChannel 0: And it's just one of those things that allows, like, why you're still alive. Like, let's say you're in a coma. Someone can talk to the doctors on your behalf and also,\n\nChannel 1: Yep.\n\nChannel 0: like, manage bank accounts, make sure bills are paid, things like that without having to go to court to sue for probate. So if you think that would be valuable to have someone trusted there to look after things if you were\n\nChannel 1: Yeah.\n\nChannel 0: incapacitated.\n\nChannel 1: Definitely. Yep.\n\nChannel 0: Yep. So I would just kind of suggest if you're gonna update the will, maybe see if you can get one of those added on. And look,\n\nChannel 1: Yes.\n\nChannel 0: worst\n\nChannel 1: I do.\n\nChannel 0: case scenario, you can get one of those power of attorney kits from the post office, from the government, like, 25.\n\nChannel 1: Yep.\n\nChannel 0: Or if you go to, like, your lawyer, take the will, there's heaps of different options there.\n\nChannel 1: Alright.\n\nChannel 0: Cool. So that's pretty much it for most of that. Any questions so far? And I've kind of bombarded you with a bit of technical info\n\nChannel 1: No. No.\n\nChannel 0: today.\n\nChannel 1: It all all sounds pretty good.\n\nChannel 0: Mhmm.\n\nChannel 1: Yeah. No. All\n\nChannel 0: Okay.\n\nChannel 1: good.\n\nChannel 0: Goals wise, I think you were looking to go on a bit of a cruise at some point. I don't know if that was\n\nChannel 1: Yeah.\n\nChannel 0: quite\n\nChannel 1: I\n\nChannel 0: an old\n\nChannel 1: I\n\nChannel 0: goal.\n\nChannel 1: thought\n\nChannel 0: Is that\n\nChannel 1: actually\n\nChannel 0: still current?\n\nChannel 1: was going to do it this year, but that got canceled. So but yeah. Maybe in the next twelve months.\n\nChannel 0: Yep. Done. And the last thing there is when it comes to your term deposit maturing, do you want me to factor any of those funds in to this contribution plan with the super, or would you prefer to kind of still keep them separate?\n\nChannel 1: No. I'll just leave that role as it is. Yep.\n\nChannel 0: Yeah. And just roll it on for the next year. I think the interest rates are up higher now.\n\nChannel 1: Okay.\n\nChannel 0: Yep. Perfect. Alrighty. Mate, that's pretty much everything that I had for the review so far. There's no insurances or anything, so that's great.\n\nAnd\n\nChannel 1: Yes.\n\nChannel 0: like I mentioned before, I've kind of emailed through that pack for you just to have a look at the performance and so on. And there's also, like, a a digital link through our ongoing service agreement. I did wanna double check if you, of course, still comfortable to remain a client about you.\n\nChannel 1: Yes. For sure.\n\nChannel 0: Cool. So the fees haven't changed. It's still the standard, like, 1.65% split over those monthly payments throughout the year, and that always gets factored into the performance as well. So everything that I quote is after fees.\n\nChannel 1: Alright. Great.\n\nChannel 0: Cool. Jeff, any questions for me so far?\n\nChannel 1: No. Just just one when you call me back regarding taking the money out and put it back in, will it be on this number?\n\nChannel 0: It can be on any number you prefer. If you have a preferred contact\n\nChannel 1: No.\n\nChannel 0: number,\n\nChannel 1: Just\n\nChannel 0: I\n\nChannel 1: that\n\nChannel 0: can update.\n\nChannel 1: I'm I'm saving some of the I don't normally answer interstate calls, but I remember last time that the girl said, oh, it had come through on an 07 number, and I said, okay. No worries. You know?\n\nChannel 0: Yeah. And one of the tricky things that I'm not across with the tech is we've got, like, a main office number. And because I'm on a digital phone system, when it calls through, it may come through from Yeah.\n\nChannel 1: It's come through as a 0736679841. Just in\n\nChannel 0: Yep. Yep. That's our sort of digital phone number. If it helps at all, I can always send you a bit of a text message before any calls. Just give you a heads up.\n\nThat'll be us calling if\n\nChannel 1: yep.\n\nChannel 0: that helps. So\n\nChannel 1: It's gonna be great. Yeah. That way I'd know if you guys and other other than that, if you if you do ring and I don't answer it, just leave a message because most of the electricity companies that are trying to talk here don't leave a message anyway sort of thing. You know?\n\nChannel 0: Yep. We don't like doing too many double, triple rings these days, but a text beforehand and a voice message after, no worries at all.\n\nChannel 1: Either one. Either or either. It doesn't. Yes.\n\nChannel 0: Yep. Awesome. Mate, with the the pack that I sent through to you, please just bear in mind that it's on our our new system called Odoo. It's kind of like a all your customer details as well as a bit of a DocuSign as well. It may go through to your spam folder in your email, or it may go through your main box.\n\nSo just have a bit of a check on both. And when you go in there, if you have any trouble with the system, just give the team a call. They can walk you through it. But it tends to do, like, an automatic stamp signature, Or you can, like, click on it with your finger and and draw\n\nChannel 1: It\n\nChannel 0: a\n\nChannel 1: has\n\nChannel 0: signature.\n\nChannel 1: it has come through just in my email. Tommy\n\nChannel 0: Oh, perfect.\n\nChannel 1: she did request. I see. Yep.\n\nChannel 0: Yep. Now would you mind pulling that up for me and just seeing if it works okay for you?\n\nChannel 1: Yep. You can see the NetWell device. Please consent.\n\nChannel 0: Yep. And there's also one other form at the bottom there as well. There's a tax file number opt in form. Just with the cybersecurity issues of people's data being leaked last year across the country, we just wanna\n\nChannel 1: Yep.\n\nChannel 0: make sure that we keep tax file numbers on one document instead of a a dozen different digital systems. So I just wanna make sure that we can get your consent to, of course, utilize that number for your applications and so on.\n\nChannel 1: Yeah. Yeah. That's no problem. Do do you need me to sign this now?\n\nChannel 0: Oh, you don't have to sign it now. I just wanted to see if it came through okay. If you wanna give that a bit of a read, mate, I'll check it tomorrow. And if we need to, we'll just give you a buzz\n\nChannel 1: Yep.\n\nChannel 0: next week.\n\nChannel 1: Alright.\n\nChannel 0: Amazing. Alright, Jeff. Mate, I do appreciate you taking the time and going through all the details with me again and just make sure that everything on system is perfectly up to date. Anything else for me before I let you go?\n\nChannel 1: No. All good. Thank you.\n\nChannel 0: Awesome. We'll give you a call in a couple of weeks to book back in with me. I'll do all the research and documentation in the background. And, again, I'll let the team know to give you a text ahead of time. Thanks, mate.\n\nYou have a fantastic day, and we'll talk to you in a couple of weeks. Thanks, Jeff. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":2.6399999,"end":3.1399999,"sentiment":"neutral","sentiment_score":0.03635537996888161}],"sentiment":"neutral","sentiment_score":0.03635537996888161,"channel":1,"num_words":1,"start":2.6399999,"end":3.1399999},{"sentences":[{"text":"Good evening, Jeffrey.","start":4.64,"end":5.68,"sentiment":"neutral","sentiment_score":0.2553509920835495},{"text":"It's Tommy here, senior adviser from.","start":5.68,"end":7.7599998,"sentiment":"neutral","sentiment_score":0.1896820863087972},{"text":"How are you going?","start":7.7599998,"end":8.58,"sentiment":"neutral","sentiment_score":0.19555819407105446}],"sentiment":"neutral","sentiment_score":0.2066444823375115,"channel":0,"num_words":13,"start":4.64,"end":8.58},{"sentences":[{"text":"Good.","start":8.88,"end":9.12,"sentiment":"positive","sentiment_score":0.41283079981803894},{"text":"Thank you.","start":9.12,"end":9.5199995,"sentiment":"positive","sentiment_score":0.5483271181583405},{"text":"How are you?","start":9.5199995,"end":10.34,"sentiment":"positive","sentiment_score":0.33953436215718585}],"sentiment":"positive","sentiment_score":0.4213480204343796,"channel":1,"num_words":6,"start":8.88,"end":10.34},{"sentences":[{"text":"I'm doing absolutely fantastic today.","start":10.88,"end":12.96,"sentiment":"positive","sentiment_score":0.7773135900497437},{"text":"Thank you for asking.","start":12.96,"end":14.099999,"sentiment":"positive","sentiment_score":0.7099640816450119},{"text":"Mate, I'll","start":14.345,"end":14.665,"sentiment":"neutral","sentiment_score":0.15547284483909607}],"sentiment":"positive","sentiment_score":0.639760906046087,"channel":0,"num_words":11,"start":10.88,"end":14.665},{"sentences":[{"text":"That's","start":14.559999,"end":14.865,"sentiment":"neutral","sentiment_score":0.12232880294322968}],"sentiment":"neutral","sentiment_score":0.12232880294322968,"channel":1,"num_words":1,"start":14.559999,"end":14.865},{"sentences":[{"text":"just give","start":14.665,"end":14.985001,"sentiment":"neutral","sentiment_score":0.06693006679415703}],"sentiment":"neutral","sentiment_score":0.06693006679415703,"channel":0,"num_words":2,"start":14.665,"end":14.985001},{"sentences":[{"text":"okay.","start":14.945,"end":15.445,"sentiment":"neutral","sentiment_score":0.07707007974386215}],"sentiment":"neutral","sentiment_score":0.07707007974386215,"channel":1,"num_words":1,"start":14.945,"end":15.445},{"sentences":[{"text":"you a call to go through this annual review with you if you still have time.","start":14.985001,"end":18.925,"sentiment":"neutral","sentiment_score":0.07202769652940333}],"sentiment":"neutral","sentiment_score":0.07202769652940333,"channel":0,"num_words":16,"start":14.985001,"end":18.925},{"sentences":[{"text":"Yep.","start":19.345,"end":19.845,"sentiment":"neutral","sentiment_score":0.13388657569885254}],"sentiment":"neutral","sentiment_score":0.13388657569885254,"channel":1,"num_words":1,"start":19.345,"end":19.845},{"sentences":[{"text":"Perfect.","start":21.305,"end":21.805,"sentiment":"neutral","sentiment_score":0.27289554476737976},{"text":"Now I'm gonna shoot through an annual review pack to your email.","start":21.945,"end":25.404999,"sentiment":"neutral","sentiment_score":0.09914847401281197},{"text":"Do you mind if I just quickly confirm security with you?","start":25.465,"end":28.47,"sentiment":"neutral","sentiment_score":0.05056778544729406}],"sentiment":"neutral","sentiment_score":0.08412178636838992,"channel":0,"num_words":24,"start":21.305,"end":28.47},{"sentences":[{"text":"Yeah.","start":28.945,"end":29.185,"sentiment":"neutral","sentiment_score":0.054191552102565765},{"text":"Yeah.","start":29.185,"end":29.425,"sentiment":"neutral","sentiment_score":0.06642963737249374},{"text":"Sure.","start":29.425,"end":29.925,"sentiment":"neutral","sentiment_score":0.09819260239601137}],"sentiment":"neutral","sentiment_score":0.07293793062369029,"channel":1,"num_words":3,"start":28.945,"end":29.925},{"sentences":[{"text":"Perfect.","start":30.869999,"end":31.349998,"sentiment":"neutral","sentiment_score":0.1665668487548828},{"text":"So the calls are recorded for training and quality purposes.","start":31.349998,"end":34.329998,"sentiment":"neutral","sentiment_score":0.07904281988739967},{"text":"We don't have a security question on file.","start":34.629997,"end":37.19,"sentiment":"neutral","sentiment_score":0.04546149796806276},{"text":"So could you please confirm your date of birth and address, please?","start":37.19,"end":40.815,"sentiment":"neutral","sentiment_score":0.04308498495568832}],"sentiment":"neutral","sentiment_score":0.05928086615618198,"channel":0,"num_words":31,"start":30.869999,"end":40.815},{"sentences":[{"text":"11/19/1963.","start":41.95,"end":44.45,"sentiment":"neutral","sentiment_score":0.006979455705732107},{"text":"Address 23 Ingle Ring, Culvera Beach, New South Wales.","start":45.105003,"end":49.125,"sentiment":"neutral","sentiment_score":0.02436784551375442}],"sentiment":"neutral","sentiment_score":0.02262900653295219,"channel":1,"num_words":10,"start":41.95,"end":49.125},{"sentences":[{"text":"Thank you so much for that, sir.","start":50.015,"end":51.714996,"sentiment":"positive","sentiment_score":0.45982832993779865},{"text":"I have your email down as jeffwilka@gmail.com.","start":51.934998,"end":55.88,"sentiment":"neutral","sentiment_score":0.1839787917477744},{"text":"Is it okay if I shoot it through to that?","start":55.88,"end":57.9,"sentiment":"neutral","sentiment_score":0.1022900678217411}],"sentiment":"neutral","sentiment_score":0.23039793875068426,"channel":0,"num_words":24,"start":50.015,"end":57.9},{"sentences":[{"text":"Yep.","start":58.145,"end":58.645,"sentiment":"neutral","sentiment_score":0.12834954261779785},{"text":"That's good.","start":58.945,"end":59.55,"sentiment":"neutral","sentiment_score":0.32625195384025574}],"sentiment":"neutral","sentiment_score":0.2602844834327698,"channel":1,"num_words":3,"start":58.145,"end":59.55},{"sentences":[{"text":"Awesome.","start":59.64,"end":60.14,"sentiment":"positive","sentiment_score":0.4076330065727234},{"text":"Will you be able to look on to this email with me today, or do you want me to just kind of walk you through what documents are coming through?","start":60.440002,"end":67.26,"sentiment":"neutral","sentiment_score":0.12162261853615443}],"sentiment":"neutral","sentiment_score":0.13084876008572116,"channel":0,"num_words":31,"start":59.64,"end":67.26},{"sentences":[{"text":"No.","start":68.83,"end":69.07,"sentiment":"neutral","sentiment_score":-0.013651910237967968},{"text":"Just walk us through what documents are coming through.","start":69.07,"end":72.29,"sentiment":"neutral","sentiment_score":-0.007158581581380632}],"sentiment":"neutral","sentiment_score":-0.007807914447039366,"channel":1,"num_words":10,"start":68.83,"end":72.29},{"sentences":[{"text":"Yep.","start":73.09499,"end":73.41499,"sentiment":"neutral","sentiment_score":0.05691619962453842},{"text":"No worries.","start":73.41499,"end":73.975,"sentiment":"neutral","sentiment_score":0.08753912150859833},{"text":"So what's gonna pop through is you've got an updated performance report for your Netwealth Super","start":73.975,"end":79.274994,"sentiment":"neutral","sentiment_score":0.1186035880818963}],"sentiment":"neutral","sentiment_score":0.11208693957642506,"channel":0,"num_words":19,"start":73.09499,"end":79.274994},{"sentences":[{"text":"Yep.","start":79.645004,"end":80.145004,"sentiment":"neutral","sentiment_score":0.10876943916082382}],"sentiment":"neutral","sentiment_score":0.10876943916082382,"channel":1,"num_words":1,"start":79.645004,"end":80.145004},{"sentences":[{"text":"as well as a financial services guide because we update, like, our licensing details every year,","start":79.829994,"end":85.85,"sentiment":"neutral","sentiment_score":0.11311892932280898}],"sentiment":"neutral","sentiment_score":0.11311892932280898,"channel":0,"num_words":16,"start":79.829994,"end":85.85},{"sentences":[{"text":"Yep.","start":86.365005,"end":86.7,"sentiment":"neutral","sentiment_score":0.0844670981168747}],"sentiment":"neutral","sentiment_score":0.0844670981168747,"channel":1,"num_words":1,"start":86.365005,"end":86.7},{"sentences":[{"text":"complaints, procedure, privacy policy, and so on.","start":86.549995,"end":89.60999,"sentiment":"neutral","sentiment_score":0.09030294099024364},{"text":"It also includes an updated service agreement as well if you're still happy with the services at the end of the review,","start":91.509995,"end":97.685,"sentiment":"neutral","sentiment_score":0.12786055051467635}],"sentiment":"neutral","sentiment_score":0.11879492062946846,"channel":0,"num_words":29,"start":86.549995,"end":97.685},{"sentences":[{"text":"Okay.","start":97.5,"end":98.0,"sentiment":"neutral","sentiment_score":0.06582094728946686}],"sentiment":"neutral","sentiment_score":0.06582094728946686,"channel":1,"num_words":1,"start":97.5,"end":98.0},{"sentences":[{"text":"and I'm","start":97.744995,"end":98.225,"sentiment":"neutral","sentiment_score":0.0677371621131897}],"sentiment":"neutral","sentiment_score":0.0677371621131897,"channel":0,"num_words":2,"start":97.744995,"end":98.225},{"sentences":[{"text":"Yep.","start":98.14,"end":98.64,"sentiment":"neutral","sentiment_score":0.08707922697067261}],"sentiment":"neutral","sentiment_score":0.08707922697067261,"channel":1,"num_words":1,"start":98.14,"end":98.64},{"sentences":[{"text":"gonna pop that through to you now.","start":98.225,"end":100.244995,"sentiment":"neutral","sentiment_score":0.11478923580476216},{"text":"But is there anything in particular that you're hoping to get out of this year's review?","start":100.384995,"end":104.485,"sentiment":"neutral","sentiment_score":0.021380043006502092}],"sentiment":"neutral","sentiment_score":0.04980892777118994,"channel":0,"num_words":23,"start":98.225,"end":104.485},{"sentences":[{"text":"A financial gain.","start":106.954994,"end":108.174995,"sentiment":"neutral","sentiment_score":0.008447572588920593}],"sentiment":"neutral","sentiment_score":0.008447572588920593,"channel":1,"num_words":3,"start":106.954994,"end":108.174995},{"sentences":[{"text":"I was having a pretty close look at this over the last couple of weeks.","start":113.2,"end":116.32,"sentiment":"neutral","sentiment_score":-0.022939650590221086},{"text":"And with the stock market going pretty crazy, I was a bit worried about your risk level, but","start":116.32,"end":122.435,"sentiment":"neutral","sentiment_score":-0.07842315567864312}],"sentiment":"neutral","sentiment_score":-0.053203380638451286,"channel":0,"num_words":33,"start":113.2,"end":122.435},{"sentences":[{"text":"Yep.","start":122.090004,"end":122.590004,"sentiment":"neutral","sentiment_score":0.05312760919332504}],"sentiment":"neutral","sentiment_score":0.05312760919332504,"channel":1,"num_words":1,"start":122.090004,"end":122.590004},{"sentences":[{"text":"you've actually the super has grown from just over 80,000 to 89,000 as of today.","start":122.895,"end":129.875,"sentiment":"neutral","sentiment_score":0.12064983323216438}],"sentiment":"neutral","sentiment_score":0.12064983323216438,"channel":0,"num_words":15,"start":122.895,"end":129.875},{"sentences":[{"text":"Okay.","start":130.535,"end":131.015,"sentiment":"neutral","sentiment_score":0.17907586693763733},{"text":"Wonderful.","start":131.015,"end":131.515,"sentiment":"neutral","sentiment_score":0.2262309342622757}],"sentiment":"neutral","sentiment_score":0.2026534005999565,"channel":1,"num_words":2,"start":130.535,"end":131.515},{"sentences":[{"text":"So it's done pretty well.","start":132.75,"end":134.21,"sentiment":"positive","sentiment_score":0.7643415927886963},{"text":"Just","start":134.43,"end":134.67,"sentiment":"positive","sentiment_score":0.5700891017913818}],"sentiment":"positive","sentiment_score":0.7319661776224772,"channel":0,"num_words":6,"start":132.75,"end":134.67},{"sentences":[{"text":"Yep.","start":134.535,"end":135.035,"sentiment":"positive","sentiment_score":0.39753127098083496}],"sentiment":"positive","sentiment_score":0.39753127098083496,"channel":1,"num_words":1,"start":134.535,"end":135.035},{"sentences":[{"text":"to quickly go over performance with you because that's one thing I wanted to just really touch on with you today, and then I'm gonna update a few details.","start":134.67,"end":142.83,"sentiment":"neutral","sentiment_score":0.22514597172367162},{"text":"But most of the investment options that you've been having in your portfolio, because there's about eight or nine of them that we've put together for you, they've all had pretty solid double digit growth for the year.","start":142.83,"end":154.36499,"sentiment":"neutral","sentiment_score":0.29785013689022316},{"text":"Only some cybersecurity shares went down 3%, but mostly everything's been going up about 14 to 16%.","start":155.14499,"end":162.26,"sentiment":"neutral","sentiment_score":0.09988408804158955},{"text":"And you possibly would have gotten an email over the last few months about a a record of advice or an ROI.","start":162.72,"end":170.26,"sentiment":"neutral","sentiment_score":0.038368699310178105},{"text":"Do you remember seeing that come through?","start":170.48,"end":172.26,"sentiment":"neutral","sentiment_score":0.011657132368002619}],"sentiment":"neutral","sentiment_score":0.18116176274267182,"channel":0,"num_words":113,"start":134.67,"end":172.26},{"sentences":[{"text":"I did see an email from Oakview.","start":172.71,"end":174.57,"sentiment":"neutral","sentiment_score":0.027135782475982393},{"text":"Yes.","start":174.63,"end":175.125,"sentiment":"neutral","sentiment_score":0.042679205536842346}],"sentiment":"neutral","sentiment_score":0.029078710358589888,"channel":1,"num_words":8,"start":172.71,"end":175.125},{"sentences":[{"text":"Yep.","start":176.155,"end":176.395,"sentiment":"neutral","sentiment_score":0.05545441433787346},{"text":"So just to let you know what happened there, one of the investment options was flagged company wide.","start":176.395,"end":182.175,"sentiment":"neutral","sentiment_score":-0.003625523609419664},{"text":"You had two Australian shares options.","start":183.035,"end":185.935,"sentiment":"neutral","sentiment_score":-0.01834307424724102},{"text":"One was BetaShares, one was Benelon.","start":185.99501,"end":188.015,"sentiment":"neutral","sentiment_score":0.00945445530426999},{"text":"BetaShares","start":188.92,"end":189.42,"sentiment":"neutral","sentiment_score":0.023819278925657272}],"sentiment":"neutral","sentiment_score":-0.0012286701676202938,"channel":0,"num_words":32,"start":176.155,"end":189.42},{"sentences":[{"text":"Right.","start":189.205,"end":189.51,"sentiment":"neutral","sentiment_score":0.05713782459497452}],"sentiment":"neutral","sentiment_score":0.05713782459497452,"channel":1,"num_words":1,"start":189.205,"end":189.51},{"sentences":[{"text":"is doing fantastic, but that Benelon option, we flagged some significant underperformance the last couple of years, and we made a decision on the licensee level to replace that option across all clients.","start":189.56,"end":203.18,"sentiment":"neutral","sentiment_score":-0.13091833076693796}],"sentiment":"neutral","sentiment_score":-0.13091833076693796,"channel":0,"num_words":33,"start":189.56,"end":203.18},{"sentences":[{"text":"Okay.","start":204.87,"end":205.37,"sentiment":"neutral","sentiment_score":-0.018078511580824852}],"sentiment":"neutral","sentiment_score":-0.018078511580824852,"channel":1,"num_words":1,"start":204.87,"end":205.37},{"sentences":[{"text":"So normally, what would happen is if we go through a review and we wanna update your portfolio, we probably have a bit of a chat and go through another statement of advice and just show you what we're looking to change.","start":206.24501,"end":216.82501,"sentiment":"neutral","sentiment_score":0.008286549399296442},{"text":"But this one, we were just worried about it being quite a lot more volatile than all the other Australian shares options.","start":217.13,"end":224.89,"sentiment":"neutral","sentiment_score":-0.2255980670452118},{"text":"So that one was dropping about 14%, which was pretty heavy.","start":224.89,"end":229.15001,"sentiment":"neutral","sentiment_score":-0.28668605468489905},{"text":"We","start":229.70499,"end":230.20499,"sentiment":"neutral","sentiment_score":0.04747406393289566}],"sentiment":"neutral","sentiment_score":-0.10159467023454215,"channel":0,"num_words":76,"start":206.24501,"end":230.20499},{"sentences":[{"text":"Okay.","start":230.1,"end":230.6,"sentiment":"neutral","sentiment_score":0.15749284625053406}],"sentiment":"neutral","sentiment_score":0.15749284625053406,"channel":1,"num_words":1,"start":230.1,"end":230.6},{"sentences":[{"text":"pushed it out for another Australian share ETF, and it's","start":230.905,"end":235.78499,"sentiment":"positive","sentiment_score":0.38019064366817473}],"sentiment":"positive","sentiment_score":0.38019064366817473,"channel":0,"num_words":10,"start":230.905,"end":235.78499},{"sentences":[{"text":"Cool.","start":235.655,"end":236.155,"sentiment":"positive","sentiment_score":0.4709520936012268}],"sentiment":"positive","sentiment_score":0.4709520936012268,"channel":1,"num_words":1,"start":235.655,"end":236.155},{"sentences":[{"text":"already jumped up another 3% to kind of make that back.","start":235.78499,"end":239.00499,"sentiment":"positive","sentiment_score":0.4994714151729237},{"text":"And so it's really, you know, that as far as I can see it, if we were to maintain the same risk level, everything's looking pretty good across the whole portfolio now.","start":241.06499,"end":250.45999,"sentiment":"positive","sentiment_score":0.4356986880302429}],"sentiment":"positive","sentiment_score":0.4520126414853473,"channel":0,"num_words":43,"start":235.78499,"end":250.45999},{"sentences":[{"text":"Okay.","start":251.015,"end":251.515,"sentiment":"neutral","sentiment_score":0.15330566465854645},{"text":"No.","start":251.79001,"end":251.95,"sentiment":"neutral","sentiment_score":0.12131188809871674},{"text":"That sounds","start":251.95,"end":252.53,"sentiment":"neutral","sentiment_score":0.2761945575475693}],"sentiment":"neutral","sentiment_score":0.20675166696310043,"channel":1,"num_words":4,"start":251.015,"end":252.53},{"sentences":[{"text":"Thanks.","start":252.59999,"end":253.09999,"sentiment":"neutral","sentiment_score":0.22021642327308655},{"text":"So I guess in percentage terms, because we usually compare this in percentage,","start":253.79999,"end":258.06,"sentiment":"neutral","sentiment_score":0.07984287864886798}],"sentiment":"neutral","sentiment_score":0.08986956040774073,"channel":0,"num_words":14,"start":252.59999,"end":258.06},{"sentences":[{"text":"good.","start":258.78998,"end":259.28998,"sentiment":"neutral","sentiment_score":0.0242257546633482}],"sentiment":"neutral","sentiment_score":0.0242257546633482,"channel":1,"num_words":1,"start":258.78998,"end":259.28998},{"sentences":[{"text":"it's been just under an 11% return after fees, and that's that 80 to 89,000.","start":258.825,"end":264.345,"sentiment":"neutral","sentiment_score":0.20234817862510682},{"text":"Cool.","start":264.345,"end":264.845,"sentiment":"positive","sentiment_score":0.756114661693573}],"sentiment":"neutral","sentiment_score":0.23695858381688595,"channel":0,"num_words":16,"start":258.825,"end":264.845},{"sentences":[{"text":"That's good.","start":265.55,"end":266.29,"sentiment":"positive","sentiment_score":0.7635281682014465},{"text":"Yes.","start":266.35,"end":266.805,"sentiment":"neutral","sentiment_score":0.24751964211463928}],"sentiment":"positive","sentiment_score":0.5915253261725107,"channel":1,"num_words":3,"start":265.55,"end":266.805},{"sentences":[{"text":"Now when I'm looking at it, though, because you've got about 20% sorry, 25% in fixed interest, which is kind of like your term deposits, your safer investment, and the rest of it is split between, like, shares, property, gold, and infrastructure.","start":268.265,"end":284.68,"sentiment":"neutral","sentiment_score":0.037660633568607625},{"text":"There's your growth assets.","start":284.82,"end":286.12,"sentiment":"neutral","sentiment_score":0.04161635506898165},{"text":"So it's kind of a seventy five twenty five split.","start":286.495,"end":289.455,"sentiment":"neutral","sentiment_score":0.03231885209679604},{"text":"Does that make sense?","start":289.455,"end":290.51498,"sentiment":"neutral","sentiment_score":0.047095500864088535}],"sentiment":"neutral","sentiment_score":0.03766304257636269,"channel":0,"num_words":60,"start":268.265,"end":290.51498},{"sentences":[{"text":"Yep.","start":290.9,"end":291.22,"sentiment":"neutral","sentiment_score":0.06220334768295288},{"text":"Yep.","start":291.22,"end":291.72,"sentiment":"neutral","sentiment_score":0.07414115965366364},{"text":"I I think I that's what I've spoke to the the last folk that I spoke to about it as well.","start":291.78,"end":297.035,"sentiment":"neutral","sentiment_score":0.09949372141134172},{"text":"I was quite happy to have, like, would would have been around about 80% in secured sort of investments and the other 20","start":297.255,"end":308.66,"sentiment":"neutral","sentiment_score":0.2996688051068265}],"sentiment":"neutral","sentiment_score":0.1982194603137348,"channel":1,"num_words":46,"start":290.9,"end":308.66},{"sentences":[{"text":"Yep.","start":308.35,"end":308.85,"sentiment":"neutral","sentiment_score":0.10184415429830553}],"sentiment":"neutral","sentiment_score":0.10184415429830553,"channel":0,"num_words":1,"start":308.35,"end":308.85},{"sentences":[{"text":"percent just as a, you know, high risk sort of thing.","start":308.66,"end":314.97998,"sentiment":"neutral","sentiment_score":0.09510375660928813},{"text":"You know?","start":314.97998,"end":315.56,"sentiment":"neutral","sentiment_score":0.06749642267823219}],"sentiment":"neutral","sentiment_score":0.09085647446604875,"channel":1,"num_words":13,"start":308.66,"end":315.56},{"sentences":[{"text":"Yeah.","start":316.60498,"end":317.10498,"sentiment":"neutral","sentiment_score":0.08548346161842346},{"text":"And when I look at most of these options, because they're kind of index funds, they're pretty stable across the board.","start":317.16498,"end":324.305,"sentiment":"neutral","sentiment_score":0.09935698906580608}],"sentiment":"neutral","sentiment_score":0.09872637418183414,"channel":0,"num_words":22,"start":316.60498,"end":324.305},{"sentences":[{"text":"Yep.","start":324.615,"end":325.115,"sentiment":"neutral","sentiment_score":0.08597324788570404}],"sentiment":"neutral","sentiment_score":0.08597324788570404,"channel":1,"num_words":1,"start":324.615,"end":325.115},{"sentences":[{"text":"They're, I guess, what you would call like a low risk version version of shares, whereas you can go for some pretty high risk versions of the same investments.","start":324.79,"end":333.85,"sentiment":"neutral","sentiment_score":0.057994551956653595},{"text":"Now because of the way I can see that asset allocation at the moment, if you were wanting a pretty conservative portfolio, you know, like 80% safe, 20% high risk, I would","start":334.47,"end":347.325,"sentiment":"neutral","sentiment_score":0.06706152425613254}],"sentiment":"neutral","sentiment_score":0.06275099644162616,"channel":0,"num_words":61,"start":324.79,"end":347.325},{"sentences":[{"text":"Yep.","start":347.13,"end":347.415,"sentiment":"neutral","sentiment_score":0.0339023694396019}],"sentiment":"neutral","sentiment_score":0.0339023694396019,"channel":1,"num_words":1,"start":347.13,"end":347.415},{"sentences":[{"text":"probably actually look at switching a few things around and bringing the risk.","start":347.325,"end":350.86502,"sentiment":"neutral","sentiment_score":0.001372950438123483}],"sentiment":"neutral","sentiment_score":0.001372950438123483,"channel":0,"num_words":13,"start":347.325,"end":350.86502},{"sentences":[{"text":"Okay.","start":353.17502,"end":353.67502,"sentiment":"neutral","sentiment_score":0.06020308658480644},{"text":"Yeah, mate.","start":354.535,"end":355.17502,"sentiment":"neutral","sentiment_score":0.08720172941684723},{"text":"You you guys are the the experts at it.","start":355.17502,"end":357.415,"sentiment":"neutral","sentiment_score":0.12231295307477315},{"text":"I, you know, leave that in your hands sort of thing.","start":357.415,"end":361.355,"sentiment":"neutral","sentiment_score":0.09590555117888884}],"sentiment":"neutral","sentiment_score":0.10392974721996681,"channel":1,"num_words":23,"start":353.17502,"end":361.355},{"sentences":[{"text":"Yep.","start":361.32,"end":361.82,"sentiment":"neutral","sentiment_score":0.1151520013809204},{"text":"Yep.","start":362.36002,"end":362.68002,"sentiment":"neutral","sentiment_score":0.1230119690299034},{"text":"Now to kind of make a recommendation there, I'll definitely do a bit of an updated portfolio for you.","start":362.68002,"end":368.255,"sentiment":"neutral","sentiment_score":0.15759424080974177},{"text":"One thing I wanted","start":368.315,"end":369.115,"sentiment":"neutral","sentiment_score":0.0862277690321207}],"sentiment":"neutral","sentiment_score":0.14309462487697602,"channel":0,"num_words":25,"start":361.32,"end":369.115},{"sentences":[{"text":"Yep.","start":368.80002,"end":369.30002,"sentiment":"neutral","sentiment_score":0.06300796568393707}],"sentiment":"neutral","sentiment_score":0.06300796568393707,"channel":1,"num_words":1,"start":368.80002,"end":369.30002},{"sentences":[{"text":"to just check was the the main purpose for the super because I can see that you were on, I guess, that, like, disability support pension with","start":369.115,"end":377.995,"sentiment":"neutral","sentiment_score":0.05915085860976466}],"sentiment":"neutral","sentiment_score":0.05915085860976466,"channel":0,"num_words":27,"start":369.115,"end":377.995},{"sentences":[{"text":"That's","start":377.97498,"end":378.215,"sentiment":"neutral","sentiment_score":0.05474018305540085}],"sentiment":"neutral","sentiment_score":0.05474018305540085,"channel":1,"num_words":1,"start":377.97498,"end":378.215},{"sentences":[{"text":"a bit","start":377.995,"end":378.235,"sentiment":"neutral","sentiment_score":0.048070671036839485}],"sentiment":"neutral","sentiment_score":0.048070671036839485,"channel":0,"num_words":2,"start":377.995,"end":378.235},{"sentences":[{"text":"right.","start":378.215,"end":378.715,"sentiment":"neutral","sentiment_score":0.07030348479747772}],"sentiment":"neutral","sentiment_score":0.07030348479747772,"channel":1,"num_words":1,"start":378.215,"end":378.715},{"sentences":[{"text":"of kind of cash in the","start":378.235,"end":379.6,"sentiment":"neutral","sentiment_score":0.04598421851793925}],"sentiment":"neutral","sentiment_score":0.04598421851793925,"channel":0,"num_words":6,"start":378.235,"end":379.6},{"sentences":[{"text":"Yes.","start":379.495,"end":379.995,"sentiment":"neutral","sentiment_score":0.059341542422771454}],"sentiment":"neutral","sentiment_score":0.059341542422771454,"channel":1,"num_words":1,"start":379.495,"end":379.995},{"sentences":[{"text":"bank and you've got the mortgage","start":379.6,"end":381.04,"sentiment":"neutral","sentiment_score":0.08615506440401077}],"sentiment":"neutral","sentiment_score":0.08615506440401077,"channel":0,"num_words":6,"start":379.6,"end":381.04},{"sentences":[{"text":"Yep.","start":380.775,"end":381.275,"sentiment":"neutral","sentiment_score":0.11610069125890732}],"sentiment":"neutral","sentiment_score":0.11610069125890732,"channel":1,"num_words":1,"start":380.775,"end":381.275},{"sentences":[{"text":"paid off.","start":381.04,"end":381.44,"sentiment":"neutral","sentiment_score":0.13661886006593704},{"text":"Is that right?","start":381.44,"end":382.26,"sentiment":"neutral","sentiment_score":0.12613420436779657}],"sentiment":"neutral","sentiment_score":0.13032806664705276,"channel":0,"num_words":5,"start":381.04,"end":382.26},{"sentences":[{"text":"That's right.","start":382.455,"end":383.01498,"sentiment":"neutral","sentiment_score":0.13209475576877594},{"text":"Yes.","start":383.01498,"end":383.51498,"sentiment":"neutral","sentiment_score":0.10785519331693648}],"sentiment":"neutral","sentiment_score":0.1240149016181628,"channel":1,"num_words":3,"start":382.455,"end":383.51498},{"sentences":[{"text":"Yep.","start":384.64,"end":384.88,"sentiment":"neutral","sentiment_score":0.05379054695367813},{"text":"So what would be, like, the main purpose for the super for the next few years for you?","start":384.88,"end":389.12,"sentiment":"neutral","sentiment_score":0.1939834389421675},{"text":"Is it just to get, like, a a bit of safe growth out of it and you're wanting","start":389.12,"end":392.40002,"sentiment":"neutral","sentiment_score":0.3053620606660843}],"sentiment":"neutral","sentiment_score":0.24437863621357325,"channel":0,"num_words":37,"start":384.64,"end":392.40002},{"sentences":[{"text":"Yeah.","start":392.29498,"end":392.53497,"sentiment":"neutral","sentiment_score":0.1354471743106842}],"sentiment":"neutral","sentiment_score":0.1354471743106842,"channel":1,"num_words":1,"start":392.29498,"end":392.53497},{"sentences":[{"text":"to","start":392.40002,"end":392.64,"sentiment":"neutral","sentiment_score":0.07670796662569046}],"sentiment":"neutral","sentiment_score":0.07670796662569046,"channel":0,"num_words":1,"start":392.40002,"end":392.64},{"sentences":[{"text":"Yeah.","start":392.53497,"end":392.775,"sentiment":"neutral","sentiment_score":0.08870024979114532}],"sentiment":"neutral","sentiment_score":0.08870024979114532,"channel":1,"num_words":1,"start":392.53497,"end":392.775},{"sentences":[{"text":"access","start":392.64,"end":393.04,"sentiment":"neutral","sentiment_score":0.10018340498209}],"sentiment":"neutral","sentiment_score":0.10018340498209,"channel":0,"num_words":1,"start":392.64,"end":393.04},{"sentences":[{"text":"Yeah.","start":392.775,"end":393.275,"sentiment":"neutral","sentiment_score":0.1037047952413559}],"sentiment":"neutral","sentiment_score":0.1037047952413559,"channel":1,"num_words":1,"start":392.775,"end":393.275},{"sentences":[{"text":"it","start":393.04,"end":393.52002,"sentiment":"neutral","sentiment_score":0.10894619673490524}],"sentiment":"neutral","sentiment_score":0.10894619673490524,"channel":0,"num_words":1,"start":393.04,"end":393.52002},{"sentences":[{"text":"I'm","start":393.45,"end":393.69,"sentiment":"neutral","sentiment_score":0.11764271557331084}],"sentiment":"neutral","sentiment_score":0.11764271557331084,"channel":1,"num_words":1,"start":393.45,"end":393.69},{"sentences":[{"text":"to fund?","start":393.52002,"end":394.18002,"sentiment":"neutral","sentiment_score":0.12686506658792496}],"sentiment":"neutral","sentiment_score":0.12686506658792496,"channel":0,"num_words":2,"start":393.52002,"end":394.18002},{"sentences":[{"text":"just hoping, you know, if it can go up, you know, 12% a year for the next five or six years, that'd probably give me enough to retire on with a pension type of","start":393.69,"end":407.315,"sentiment":"neutral","sentiment_score":0.1207501603400006}],"sentiment":"neutral","sentiment_score":0.1207501603400006,"channel":1,"num_words":34,"start":393.69,"end":407.315},{"sentences":[{"text":"Yeah.","start":409.07,"end":409.57,"sentiment":"neutral","sentiment_score":0.002906758338212967},{"text":"The tricky situation","start":409.71,"end":410.83,"sentiment":"neutral","sentiment_score":-0.14894249041875204}],"sentiment":"neutral","sentiment_score":-0.11098017822951078,"channel":0,"num_words":4,"start":409.07,"end":410.83},{"sentences":[{"text":"thing.","start":410.47876,"end":410.97876,"sentiment":"neutral","sentiment_score":-0.19412705302238464}],"sentiment":"neutral","sentiment_score":-0.19412705302238464,"channel":1,"num_words":1,"start":410.47876,"end":410.97876},{"sentences":[{"text":"that we've got is because of everything that's going on in the world at the moment,","start":410.83,"end":414.37,"sentiment":"neutral","sentiment_score":-0.17153389006853104}],"sentiment":"neutral","sentiment_score":-0.17153389006853104,"channel":0,"num_words":16,"start":410.83,"end":414.37},{"sentences":[{"text":"You","start":414.14252,"end":414.64252,"sentiment":"neutral","sentiment_score":-0.08058959245681763}],"sentiment":"neutral","sentiment_score":-0.08058959245681763,"channel":1,"num_words":1,"start":414.14252,"end":414.64252},{"sentences":[{"text":"the projections going forward for a lot of","start":414.59,"end":417.94998,"sentiment":"neutral","sentiment_score":-0.11962262913584709}],"sentiment":"neutral","sentiment_score":-0.11962262913584709,"channel":0,"num_words":8,"start":414.59,"end":417.94998},{"sentences":[{"text":"know?","start":417.80624,"end":418.30624,"sentiment":"neutral","sentiment_score":-0.1112557053565979}],"sentiment":"neutral","sentiment_score":-0.1112557053565979,"channel":1,"num_words":1,"start":417.80624,"end":418.30624},{"sentences":[{"text":"asset classes is quite far down.","start":417.94998,"end":420.44998,"sentiment":"neutral","sentiment_score":-0.25555645177761716},{"text":"So your current risk level, I would describe it as like a three and a half out of five.","start":420.83,"end":427.435,"sentiment":"neutral","sentiment_score":-0.18184984867510043},{"text":"It's a little bit above medium risk.","start":427.575,"end":429.595,"sentiment":"neutral","sentiment_score":-0.18726688623428345}],"sentiment":"neutral","sentiment_score":-0.1968548137228936,"channel":0,"num_words":32,"start":417.94998,"end":429.595},{"sentences":[{"text":"Right.","start":430.35,"end":430.85,"sentiment":"neutral","sentiment_score":-0.005461204797029495}],"sentiment":"neutral","sentiment_score":-0.005461204797029495,"channel":1,"num_words":1,"start":430.35,"end":430.85},{"sentences":[{"text":"That's still aiming for around about that nine to 10% average return.","start":431.175,"end":436.395,"sentiment":"neutral","sentiment_score":0.07172918769841392},{"text":"But","start":437.3,"end":437.53998,"sentiment":"neutral","sentiment_score":0.024532396346330643}],"sentiment":"neutral","sentiment_score":0.06809866528671521,"channel":0,"num_words":13,"start":431.175,"end":437.53998},{"sentences":[{"text":"Yep.","start":437.365,"end":437.865,"sentiment":"neutral","sentiment_score":0.011165959760546684}],"sentiment":"neutral","sentiment_score":0.011165959760546684,"channel":1,"num_words":1,"start":437.365,"end":437.865},{"sentences":[{"text":"then again, usually recommended for someone who's not gonna access the food for about six or seven years.","start":437.53998,"end":443.72,"sentiment":"neutral","sentiment_score":-0.06596784314347638}],"sentiment":"neutral","sentiment_score":-0.06596784314347638,"channel":0,"num_words":18,"start":437.53998,"end":443.72},{"sentences":[{"text":"Okay.","start":445.76498,"end":446.26498,"sentiment":"neutral","sentiment_score":0.0528310090303421}],"sentiment":"neutral","sentiment_score":0.0528310090303421,"channel":1,"num_words":1,"start":445.76498,"end":446.26498},{"sentences":[{"text":"So what I'm sort of thinking is if we still want to aim for that level of return, we could possibly reduce the risk level by about, like, one one point, put you down to, like, a two and a half or a three.","start":447.46,"end":460.355,"sentiment":"neutral","sentiment_score":0.09592902960933068}],"sentiment":"neutral","sentiment_score":0.09592902960933068,"channel":0,"num_words":44,"start":447.46,"end":460.355},{"sentences":[{"text":"Yep.","start":460.9,"end":461.235,"sentiment":"neutral","sentiment_score":0.12025010585784912},{"text":"You","start":462.91498,"end":463.07498,"sentiment":"neutral","sentiment_score":0.12743760645389557}],"sentiment":"neutral","sentiment_score":0.12384385615587234,"channel":1,"num_words":2,"start":460.9,"end":463.07498},{"sentences":[{"text":"That","start":463.06998,"end":463.38998,"sentiment":"neutral","sentiment_score":0.15824368596076965}],"sentiment":"neutral","sentiment_score":0.15824368596076965,"channel":0,"num_words":1,"start":463.06998,"end":463.38998},{"sentences":[{"text":"know the","start":463.07498,"end":463.47498,"sentiment":"neutral","sentiment_score":0.13357296586036682}],"sentiment":"neutral","sentiment_score":0.13357296586036682,"channel":1,"num_words":2,"start":463.07498,"end":463.47498},{"sentences":[{"text":"might","start":463.38998,"end":463.55,"sentiment":"neutral","sentiment_score":0.19181841611862183}],"sentiment":"neutral","sentiment_score":0.19181841611862183,"channel":0,"num_words":1,"start":463.38998,"end":463.55},{"sentences":[{"text":"sounds","start":463.47498,"end":463.79498,"sentiment":"neutral","sentiment_score":0.15392450988292694}],"sentiment":"neutral","sentiment_score":0.15392450988292694,"channel":1,"num_words":1,"start":463.47498,"end":463.79498},{"sentences":[{"text":"get you","start":463.55,"end":464.03,"sentiment":"neutral","sentiment_score":0.15067943930625916}],"sentiment":"neutral","sentiment_score":0.15067943930625916,"channel":0,"num_words":2,"start":463.55,"end":464.03},{"sentences":[{"text":"good.","start":463.79498,"end":464.29498,"sentiment":"neutral","sentiment_score":0.12934106588363647}],"sentiment":"neutral","sentiment_score":0.12934106588363647,"channel":1,"num_words":1,"start":463.79498,"end":464.29498},{"sentences":[{"text":"maybe an 8% average or 9% average.","start":464.03,"end":467.56998,"sentiment":"neutral","sentiment_score":0.08830429720027107}],"sentiment":"neutral","sentiment_score":0.08830429720027107,"channel":0,"num_words":7,"start":464.03,"end":467.56998},{"sentences":[{"text":"Yep.","start":469.875,"end":470.375,"sentiment":"neutral","sentiment_score":0.014331652782857418},{"text":"No.","start":470.51498,"end":470.59497,"sentiment":"neutral","sentiment_score":-0.17466513812541962},{"text":"I could I could live with that.","start":470.59497,"end":472.055,"sentiment":"neutral","sentiment_score":-0.21058665641716548}],"sentiment":"neutral","sentiment_score":-0.1816044533625245,"channel":1,"num_words":9,"start":469.875,"end":472.055},{"sentences":[{"text":"The one thing I was worried about is we kind of left it the way it was trying to hunt for the higher returns.","start":474.365,"end":479.585,"sentiment":"neutral","sentiment_score":-0.31495952047407627},{"text":"If this situation turns into a really big crash, you could be sitting there at 65,000 next year and then","start":480.445,"end":488.41,"sentiment":"negative","sentiment_score":-0.4049431398510933}],"sentiment":"negative","sentiment_score":-0.3558611656454476,"channel":0,"num_words":44,"start":474.365,"end":488.41},{"sentences":[{"text":"Yeah.","start":488.29,"end":488.69,"sentiment":"neutral","sentiment_score":-0.11443942785263062}],"sentiment":"neutral","sentiment_score":-0.11443942785263062,"channel":1,"num_words":1,"start":488.29,"end":488.69},{"sentences":[{"text":"having","start":488.41,"end":488.73,"sentiment":"neutral","sentiment_score":-0.07366786897182465}],"sentiment":"neutral","sentiment_score":-0.07366786897182465,"channel":0,"num_words":1,"start":488.41,"end":488.73},{"sentences":[{"text":"Right.","start":488.69,"end":489.045,"sentiment":"neutral","sentiment_score":-0.11368826031684875}],"sentiment":"neutral","sentiment_score":-0.11368826031684875,"channel":1,"num_words":1,"start":488.69,"end":489.045},{"sentences":[{"text":"to wait five years for it to build back up.","start":488.73,"end":490.99002,"sentiment":"neutral","sentiment_score":-0.15166795924305915}],"sentiment":"neutral","sentiment_score":-0.15166795924305915,"channel":0,"num_words":10,"start":488.73,"end":490.99002},{"sentences":[{"text":"Yeah.","start":491.125,"end":491.605,"sentiment":"neutral","sentiment_score":-0.15987935662269592},{"text":"No.","start":491.605,"end":492.105,"sentiment":"negative","sentiment_score":-0.4323102831840515},{"text":"I wouldn't like to do that.","start":493.20502,"end":494.665,"sentiment":"negative","sentiment_score":-0.5034426897764206}],"sentiment":"negative","sentiment_score":-0.4516057223081589,"channel":1,"num_words":8,"start":491.125,"end":494.665},{"sentences":[{"text":"Yes.","start":495.85,"end":496.17,"sentiment":"neutral","sentiment_score":-0.1355484426021576},{"text":"It doesn't sound like it'd be a fun ride for you, especially just","start":496.17,"end":499.13,"sentiment":"neutral","sentiment_score":-0.10216387934409656}],"sentiment":"neutral","sentiment_score":-0.10454849100538663,"channel":0,"num_words":14,"start":495.85,"end":499.13},{"sentences":[{"text":"No.","start":499.045,"end":499.285,"sentiment":"neutral","sentiment_score":-0.14897002279758453}],"sentiment":"neutral","sentiment_score":-0.14897002279758453,"channel":1,"num_words":1,"start":499.045,"end":499.285},{"sentences":[{"text":"given","start":499.13,"end":499.63,"sentiment":"neutral","sentiment_score":-0.13854646682739258}],"sentiment":"neutral","sentiment_score":-0.13854646682739258,"channel":0,"num_words":1,"start":499.13,"end":499.63},{"sentences":[{"text":"And let's say","start":499.285,"end":500.005,"sentiment":"neutral","sentiment_score":-0.1027328868707021}],"sentiment":"neutral","sentiment_score":-0.1027328868707021,"channel":1,"num_words":3,"start":499.285,"end":500.005},{"sentences":[{"text":"when you're","start":499.77002,"end":500.17,"sentiment":"neutral","sentiment_score":-0.06492982432246208}],"sentiment":"neutral","sentiment_score":-0.06492982432246208,"channel":0,"num_words":2,"start":499.77002,"end":500.17},{"sentences":[{"text":"with","start":500.005,"end":500.24503,"sentiment":"neutral","sentiment_score":-0.07246595621109009}],"sentiment":"neutral","sentiment_score":-0.07246595621109009,"channel":1,"num_words":1,"start":500.005,"end":500.24503},{"sentences":[{"text":"looking","start":500.17,"end":500.49002,"sentiment":"neutral","sentiment_score":-0.08313655853271484}],"sentiment":"neutral","sentiment_score":-0.08313655853271484,"channel":0,"num_words":1,"start":500.17,"end":500.49002},{"sentences":[{"text":"the the","start":500.24503,"end":500.64502,"sentiment":"neutral","sentiment_score":-0.08610154315829277}],"sentiment":"neutral","sentiment_score":-0.08610154315829277,"channel":1,"num_words":2,"start":500.24503,"end":500.64502},{"sentences":[{"text":"to","start":500.49002,"end":500.65002,"sentiment":"neutral","sentiment_score":-0.08316084742546082}],"sentiment":"neutral","sentiment_score":-0.08316084742546082,"channel":0,"num_words":1,"start":500.49002,"end":500.65002},{"sentences":[{"text":"way","start":500.64502,"end":500.885,"sentiment":"neutral","sentiment_score":-0.0949649140238762}],"sentiment":"neutral","sentiment_score":-0.0949649140238762,"channel":1,"num_words":1,"start":500.64502,"end":500.885},{"sentences":[{"text":"access","start":500.65002,"end":501.05002,"sentiment":"neutral","sentiment_score":-0.06189096346497536}],"sentiment":"neutral","sentiment_score":-0.06189096346497536,"channel":0,"num_words":1,"start":500.65002,"end":501.05002},{"sentences":[{"text":"the world","start":500.885,"end":501.36502,"sentiment":"neutral","sentiment_score":-0.06442054361104965}],"sentiment":"neutral","sentiment_score":-0.06442054361104965,"channel":1,"num_words":2,"start":500.885,"end":501.36502},{"sentences":[{"text":"it.","start":501.05002,"end":501.495,"sentiment":"neutral","sentiment_score":-0.1284191906452179}],"sentiment":"neutral","sentiment_score":-0.1284191906452179,"channel":0,"num_words":1,"start":501.05002,"end":501.495},{"sentences":[{"text":"is at the moment, you know, you you just don't know what's gonna","start":501.36502,"end":505.13,"sentiment":"neutral","sentiment_score":-0.160786237854224}],"sentiment":"neutral","sentiment_score":-0.160786237854224,"channel":1,"num_words":13,"start":501.36502,"end":505.13},{"sentences":[{"text":"Yeah.","start":507.095,"end":507.415,"sentiment":"neutral","sentiment_score":-0.0592697337269783},{"text":"So usually when we get closer to retirement, we slowly reduce","start":507.415,"end":510.935,"sentiment":"neutral","sentiment_score":-0.036335166205059395}],"sentiment":"neutral","sentiment_score":-0.03824638016521931,"channel":0,"num_words":12,"start":507.095,"end":510.935},{"sentences":[{"text":"happen.","start":510.79,"end":511.29,"sentiment":"neutral","sentiment_score":-0.07579044997692108}],"sentiment":"neutral","sentiment_score":-0.07579044997692108,"channel":1,"num_words":1,"start":510.79,"end":511.29},{"sentences":[{"text":"it down every year or two.","start":510.935,"end":512.635,"sentiment":"neutral","sentiment_score":-0.040880100801587105},{"text":"So","start":512.775,"end":513.095,"sentiment":"neutral","sentiment_score":0.08167800307273865}],"sentiment":"neutral","sentiment_score":-0.023371800248111998,"channel":0,"num_words":7,"start":510.935,"end":513.095},{"sentences":[{"text":"Yep.","start":512.95,"end":513.45,"sentiment":"neutral","sentiment_score":0.13576212525367737}],"sentiment":"neutral","sentiment_score":0.13576212525367737,"channel":1,"num_words":1,"start":512.95,"end":513.45},{"sentences":[{"text":"from that 75% down to about seventy, sixty, fifty, forty.","start":513.095,"end":517.355,"sentiment":"neutral","sentiment_score":0.13144621104002},{"text":"So if you want to go middle of the road, I can drop it from 75 to 70%.","start":517.70996,"end":522.52997,"sentiment":"neutral","sentiment_score":0.08749209572043684},{"text":"Or if you want to go a little bit safer, I can drop it to 60.","start":522.82996,"end":525.97,"sentiment":"neutral","sentiment_score":0.06378794298507273},{"text":"Just want to kind of gauge your thoughts.","start":526.02997,"end":528.05,"sentiment":"neutral","sentiment_score":0.0638786107301712}],"sentiment":"neutral","sentiment_score":0.0850183809032807,"channel":0,"num_words":52,"start":513.095,"end":528.05},{"sentences":[{"text":"Yep.","start":527.965,"end":528.365,"sentiment":"neutral","sentiment_score":0.10117002576589584},{"text":"No.","start":528.365,"end":528.605,"sentiment":"neutral","sentiment_score":0.042584292590618134},{"text":"Probably 70.","start":528.605,"end":529.745,"sentiment":"neutral","sentiment_score":0.06424482725560665},{"text":"70 would be a good","start":529.805,"end":531.105,"sentiment":"neutral","sentiment_score":0.20900145769119263}],"sentiment":"neutral","sentiment_score":0.14636125125818783,"channel":1,"num_words":9,"start":527.965,"end":531.105},{"sentences":[{"text":"Yep.","start":530.845,"end":531.345,"sentiment":"neutral","sentiment_score":0.15260615944862366}],"sentiment":"neutral","sentiment_score":0.15260615944862366,"channel":0,"num_words":1,"start":530.845,"end":531.345},{"sentences":[{"text":"Stepping","start":531.83,"end":532.15,"sentiment":"neutral","sentiment_score":0.07242503017187119}],"sentiment":"neutral","sentiment_score":0.07242503017187119,"channel":1,"num_words":1,"start":531.83,"end":532.15},{"sentences":[{"text":"So go","start":531.885,"end":532.285,"sentiment":"neutral","sentiment_score":0.0858111921697855}],"sentiment":"neutral","sentiment_score":0.0858111921697855,"channel":0,"num_words":2,"start":531.885,"end":532.285},{"sentences":[{"text":"stones","start":532.15,"end":532.47003,"sentiment":"neutral","sentiment_score":0.06844501942396164}],"sentiment":"neutral","sentiment_score":0.06844501942396164,"channel":1,"num_words":1,"start":532.15,"end":532.47003},{"sentences":[{"text":"just","start":532.285,"end":532.52496,"sentiment":"neutral","sentiment_score":0.0737779289484024}],"sentiment":"neutral","sentiment_score":0.0737779289484024,"channel":0,"num_words":1,"start":532.285,"end":532.52496},{"sentences":[{"text":"sort","start":532.47003,"end":532.63,"sentiment":"neutral","sentiment_score":0.09308283030986786}],"sentiment":"neutral","sentiment_score":0.09308283030986786,"channel":1,"num_words":1,"start":532.47003,"end":532.63},{"sentences":[{"text":"a","start":532.52496,"end":532.685,"sentiment":"neutral","sentiment_score":0.09295683354139328}],"sentiment":"neutral","sentiment_score":0.09295683354139328,"channel":0,"num_words":1,"start":532.52496,"end":532.685},{"sentences":[{"text":"of","start":532.63,"end":532.79004,"sentiment":"neutral","sentiment_score":0.07343513518571854}],"sentiment":"neutral","sentiment_score":0.07343513518571854,"channel":1,"num_words":1,"start":532.63,"end":532.79004},{"sentences":[{"text":"tiny","start":532.685,"end":533.005,"sentiment":"neutral","sentiment_score":0.11000964045524596}],"sentiment":"neutral","sentiment_score":0.11000964045524596,"channel":0,"num_words":1,"start":532.685,"end":533.005},{"sentences":[{"text":"thing, and","start":532.79004,"end":533.03,"sentiment":"neutral","sentiment_score":0.08374734222888947}],"sentiment":"neutral","sentiment_score":0.08374734222888947,"channel":1,"num_words":2,"start":532.79004,"end":533.03},{"sentences":[{"text":"bit","start":533.005,"end":533.165,"sentiment":"neutral","sentiment_score":0.09853563457727432}],"sentiment":"neutral","sentiment_score":0.09853563457727432,"channel":0,"num_words":1,"start":533.005,"end":533.165},{"sentences":[{"text":"we can","start":533.03,"end":533.61005,"sentiment":"neutral","sentiment_score":0.09110672399401665}],"sentiment":"neutral","sentiment_score":0.09110672399401665,"channel":1,"num_words":2,"start":533.03,"end":533.61005},{"sentences":[{"text":"more growth focus.","start":533.165,"end":534.225,"sentiment":"neutral","sentiment_score":0.10491262376308441},{"text":"Yep.","start":534.365,"end":534.765,"sentiment":"neutral","sentiment_score":0.11642434448003768},{"text":"I","start":534.765,"end":534.925,"sentiment":"neutral","sentiment_score":0.1436472237110138}],"sentiment":"neutral","sentiment_score":0.11496188789606095,"channel":0,"num_words":5,"start":533.165,"end":534.925},{"sentences":[{"text":"yeah.","start":534.87,"end":535.37,"sentiment":"neutral","sentiment_score":0.13252602517604828}],"sentiment":"neutral","sentiment_score":0.13252602517604828,"channel":1,"num_words":1,"start":534.87,"end":535.37},{"sentences":[{"text":"think so.","start":534.925,"end":535.665,"sentiment":"neutral","sentiment_score":0.12604617327451706},{"text":"K.","start":537.565,"end":537.885,"sentiment":"neutral","sentiment_score":0.19486942887306213},{"text":"That's perfect.","start":537.885,"end":538.605,"sentiment":"positive","sentiment_score":0.5910236239433289},{"text":"I can do that.","start":538.605,"end":539.245,"sentiment":"positive","sentiment_score":0.5384221971035004},{"text":"No worries at all.","start":539.245,"end":540.385,"sentiment":"neutral","sentiment_score":0.17867473140358925}],"sentiment":"positive","sentiment_score":0.34595359517977786,"channel":0,"num_words":13,"start":534.925,"end":540.385},{"sentences":[{"text":"Just in terms of those assets, I think we had the home valued at about 1,000,000 flat with nothing owing on it and about 140 in a high interest savings account.","start":540.605,"end":550.25,"sentiment":"neutral","sentiment_score":0.07572771801102546}],"sentiment":"neutral","sentiment_score":0.07572771801102546,"channel":0,"num_words":31,"start":540.605,"end":550.25},{"sentences":[{"text":"That's right.","start":550.565,"end":551.20496,"sentiment":"neutral","sentiment_score":0.13483135029673576},{"text":"Yes.","start":551.20496,"end":551.70496,"sentiment":"neutral","sentiment_score":0.21190175414085388}],"sentiment":"neutral","sentiment_score":0.1605214849114418,"channel":1,"num_words":3,"start":550.565,"end":551.70496},{"sentences":[{"text":"Yep.","start":552.63,"end":552.87,"sentiment":"neutral","sentiment_score":0.3094787001609802},{"text":"Cool.","start":552.87,"end":553.19,"sentiment":"positive","sentiment_score":0.43284040689468384},{"text":"So all that's still stable there.","start":553.19,"end":554.63,"sentiment":"positive","sentiment_score":0.3487575153509776},{"text":"You're just kind of living off the pension at the moment, not dipping into the capital.","start":554.63,"end":558.64996,"sentiment":"neutral","sentiment_score":0.17511569964699447}],"sentiment":"neutral","sentiment_score":0.2348631413963934,"channel":0,"num_words":24,"start":552.63,"end":558.64996},{"sentences":[{"text":"Yeah.","start":559.23,"end":559.47,"sentiment":"neutral","sentiment_score":0.06361913681030273},{"text":"No.","start":559.47,"end":559.95,"sentiment":"neutral","sentiment_score":0.0005551353096961975},{"text":"I I've just I've I've got a I think it's about a 140 invested, and I've I've got well, I had about 10,000 in my savings account, which I use along with my pension.","start":559.95,"end":571.14996,"sentiment":"neutral","sentiment_score":0.03559040663736489},{"text":"I mean, that's gone down a couple of thousand this year just to buying a a second car and a few few payments that sort of came out of nowhere sort of thing.","start":571.14996,"end":583.705,"sentiment":"neutral","sentiment_score":0.007679316469214179},{"text":"But","start":583.845,"end":584.345,"sentiment":"neutral","sentiment_score":0.05193774402141571}],"sentiment":"neutral","sentiment_score":0.022565761218512698,"channel":1,"num_words":70,"start":559.23,"end":584.345},{"sentences":[{"text":"Yeah.","start":584.96497,"end":585.46497,"sentiment":"neutral","sentiment_score":0.03848422318696976}],"sentiment":"neutral","sentiment_score":0.03848422318696976,"channel":0,"num_words":1,"start":584.96497,"end":585.46497},{"sentences":[{"text":"I probably wouldn't need to sort of dip into the pension into my investment for the next couple of years, I'd hope.","start":585.685,"end":594.79,"sentiment":"neutral","sentiment_score":-0.006268808999183503}],"sentiment":"neutral","sentiment_score":-0.006268808999183503,"channel":1,"num_words":22,"start":585.685,"end":594.79},{"sentences":[{"text":"Yep.","start":596.42,"end":596.82,"sentiment":"neutral","sentiment_score":0.17022399604320526},{"text":"Perfect.","start":596.82,"end":597.22,"sentiment":"positive","sentiment_score":0.3802284598350525},{"text":"Perfect.","start":597.22,"end":597.7,"sentiment":"neutral","sentiment_score":0.320845365524292},{"text":"So one thing I wanna double check with you then is with the 140,000 you have in savings, is that in, like, a high interest savings account or, like, a locked away term deposit?","start":597.7,"end":608.36,"sentiment":"neutral","sentiment_score":0.08214711923809613}],"sentiment":"neutral","sentiment_score":0.0990351317702113,"channel":0,"num_words":37,"start":596.42,"end":608.36},{"sentences":[{"text":"Return deposit with the Commonwealth Bank.","start":608.785,"end":610.945,"sentiment":"neutral","sentiment_score":0.041142179941137634},{"text":"It's I think it's at 4 percent or something like that.","start":610.945,"end":613.74,"sentiment":"neutral","sentiment_score":0.058612662960182534}],"sentiment":"neutral","sentiment_score":0.0524466101299314,"channel":1,"num_words":17,"start":608.785,"end":613.74},{"sentences":[{"text":"Yep.","start":614.905,"end":615.385,"sentiment":"neutral","sentiment_score":0.060188062489032745},{"text":"And is that maturing relatively soon, or is that still","start":615.385,"end":618.825,"sentiment":"neutral","sentiment_score":0.012844124436378479}],"sentiment":"neutral","sentiment_score":0.017148118804801594,"channel":0,"num_words":11,"start":614.905,"end":618.825},{"sentences":[{"text":"July,","start":618.77997,"end":619.27997,"sentiment":"neutral","sentiment_score":-0.03104502335190773}],"sentiment":"neutral","sentiment_score":-0.03104502335190773,"channel":1,"num_words":1,"start":618.77997,"end":619.27997},{"sentences":[{"text":"locked away until '20","start":618.825,"end":620.025,"sentiment":"neutral","sentiment_score":-0.010237367823719978}],"sentiment":"neutral","sentiment_score":-0.010237367823719978,"channel":0,"num_words":4,"start":618.825,"end":620.025},{"sentences":[{"text":"I think","start":619.74,"end":620.06,"sentiment":"neutral","sentiment_score":0.009532643482089043}],"sentiment":"neutral","sentiment_score":0.009532643482089043,"channel":1,"num_words":2,"start":619.74,"end":620.06},{"sentences":[{"text":"'20","start":620.025,"end":620.34503,"sentiment":"neutral","sentiment_score":0.006108059547841549}],"sentiment":"neutral","sentiment_score":0.006108059547841549,"channel":0,"num_words":1,"start":620.025,"end":620.34503},{"sentences":[{"text":"it is.","start":620.06,"end":620.64,"sentiment":"neutral","sentiment_score":-0.0007662223652005193}],"sentiment":"neutral","sentiment_score":-0.0007662223652005193,"channel":1,"num_words":2,"start":620.06,"end":620.64},{"sentences":[{"text":"'7?","start":620.34503,"end":620.84503,"sentiment":"neutral","sentiment_score":0.0008593348902650177}],"sentiment":"neutral","sentiment_score":0.0008593348902650177,"channel":0,"num_words":1,"start":620.34503,"end":620.84503},{"sentences":[{"text":"July, I think it yeah.","start":621.42,"end":623.5,"sentiment":"neutral","sentiment_score":0.03005879484117031},{"text":"'26.","start":623.5,"end":624.39996,"sentiment":"neutral","sentiment_score":0.020805098116397858}],"sentiment":"neutral","sentiment_score":0.028516512053708237,"channel":1,"num_words":6,"start":621.42,"end":624.39996},{"sentences":[{"text":"July.","start":625.6,"end":626.1,"sentiment":"neutral","sentiment_score":0.03827089071273804},{"text":"Okay.","start":626.64,"end":627.14,"sentiment":"neutral","sentiment_score":0.2722117006778717},{"text":"Perfect.","start":627.2,"end":627.7,"sentiment":"positive","sentiment_score":0.5757472515106201},{"text":"And then as far as the cars go, we had the whole Holden Colorado there at about 22,000.","start":627.76,"end":633.36,"sentiment":"neutral","sentiment_score":0.096648501439227},{"text":"Is there a second vehicle in there?","start":633.36,"end":635.06,"sentiment":"neutral","sentiment_score":0.033651314941900115}],"sentiment":"neutral","sentiment_score":0.10219507405002203,"channel":0,"num_words":28,"start":625.6,"end":635.06},{"sentences":[{"text":"Yep.","start":634.605,"end":635.105,"sentiment":"neutral","sentiment_score":0.04514215514063835},{"text":"Yeah.","start":635.165,"end":635.565,"sentiment":"neutral","sentiment_score":0.0512278713285923},{"text":"I've got a little Nissan X Trail.","start":635.565,"end":638.225,"sentiment":"neutral","sentiment_score":0.06873375337038722},{"text":"It's only valued a couple of thousand.","start":639.3,"end":641.3,"sentiment":"neutral","sentiment_score":0.05104640924504825},{"text":"No.","start":641.3,"end":641.8,"sentiment":"neutral","sentiment_score":-0.00857747532427311}],"sentiment":"neutral","sentiment_score":0.05448551114429446,"channel":1,"num_words":17,"start":634.605,"end":641.8},{"sentences":[{"text":"Yep.","start":642.705,"end":643.205,"sentiment":"neutral","sentiment_score":0.0436692014336586},{"text":"Perfect.","start":643.745,"end":644.245,"sentiment":"neutral","sentiment_score":0.1811795234680176},{"text":"Any other assets or loans or anything floating around?","start":645.025,"end":648.005,"sentiment":"neutral","sentiment_score":0.052556099370121956}],"sentiment":"neutral","sentiment_score":0.06344123811207035,"channel":0,"num_words":11,"start":642.705,"end":648.005},{"sentences":[{"text":"No loans.","start":648.98,"end":649.64,"sentiment":"neutral","sentiment_score":-0.11925213038921356},{"text":"It's no.","start":652.42,"end":653.945,"sentiment":"neutral","sentiment_score":-0.14947903156280518},{"text":"Nothing nothing to speak of sort of thing.","start":653.945,"end":658.04504,"sentiment":"neutral","sentiment_score":-0.14607764780521393}],"sentiment":"neutral","sentiment_score":-0.1421736255288124,"channel":1,"num_words":12,"start":648.98,"end":658.04504},{"sentences":[{"text":"Amazing.","start":658.66,"end":659.06,"sentiment":"positive","sentiment_score":0.3435499370098114},{"text":"Don't have a million dollars of crypto sitting under the pillow or anything like that.","start":659.06,"end":662.805,"sentiment":"neutral","sentiment_score":-0.00024376139044761657}],"sentiment":"neutral","sentiment_score":0.021243344759568572,"channel":0,"num_words":16,"start":658.66,"end":662.805},{"sentences":[{"text":"No.","start":662.42505,"end":662.585,"sentiment":"neutral","sentiment_score":-0.12908601760864258},{"text":"No.","start":662.585,"end":663.085,"sentiment":"neutral","sentiment_score":-0.16649878025054932},{"text":"My son keeps on telling me to invest in it.","start":664.265,"end":666.505,"sentiment":"neutral","sentiment_score":-0.19867896735668183},{"text":"But yeah.","start":666.505,"end":667.405,"sentiment":"neutral","sentiment_score":-0.09846995770931244}],"sentiment":"neutral","sentiment_score":-0.1770938847746168,"channel":1,"num_words":14,"start":662.42505,"end":667.405},{"sentences":[{"text":"Yeah.","start":669.205,"end":669.605,"sentiment":"neutral","sentiment_score":-0.06582970172166824},{"text":"May maybe leave that for the person who can stand to wait twenty years for it to go up if it crashes 90%, that","start":669.605,"end":675.925,"sentiment":"neutral","sentiment_score":-0.18465206834177175}],"sentiment":"neutral","sentiment_score":-0.17989917367696762,"channel":0,"num_words":25,"start":669.205,"end":675.925},{"sentences":[{"text":"Yeah.","start":675.85004,"end":676.35004,"sentiment":"neutral","sentiment_score":-0.03069426864385605}],"sentiment":"neutral","sentiment_score":-0.03069426864385605,"channel":1,"num_words":1,"start":675.85004,"end":676.35004},{"sentences":[{"text":"kind of thing.","start":675.925,"end":676.74,"sentiment":"neutral","sentiment_score":-0.03003755956888199}],"sentiment":"neutral","sentiment_score":-0.03003755956888199,"channel":0,"num_words":3,"start":675.925,"end":676.74},{"sentences":[{"text":"Yep.","start":676.73004,"end":677.23004,"sentiment":"neutral","sentiment_score":0.1629568636417389}],"sentiment":"neutral","sentiment_score":0.1629568636417389,"channel":1,"num_words":1,"start":676.73004,"end":677.23004},{"sentences":[{"text":"Perfect.","start":678.82,"end":679.32,"sentiment":"positive","sentiment_score":0.381106436252594},{"text":"I had a couple of last thoughts when it came to the super there, and then I'm just gonna double check a couple of other detail.","start":680.1,"end":685.32,"sentiment":"neutral","sentiment_score":0.04606605801158226},{"text":"But your super is currently in, like, an accumulation account where it's still in the super space.","start":685.7,"end":692.80505,"sentiment":"neutral","sentiment_score":-0.03049519581391531},{"text":"It's not technically in a pension account yet because you're not drawing down, if that makes sense.","start":692.80505,"end":697.465,"sentiment":"neutral","sentiment_score":-0.09022073338136953}],"sentiment":"neutral","sentiment_score":-0.0077597844551821225,"channel":0,"num_words":61,"start":678.82,"end":697.465},{"sentences":[{"text":"Yep.","start":697.88,"end":698.38,"sentiment":"neutral","sentiment_score":0.042381614446640015}],"sentiment":"neutral","sentiment_score":0.042381614446640015,"channel":1,"num_words":1,"start":697.88,"end":698.38},{"sentences":[{"text":"Now I was looking at your, like, estate planning, and we had Carly and William listed as your beneficiaries for the super.","start":699.36505,"end":706.6,"sentiment":"neutral","sentiment_score":0.055307955989106136}],"sentiment":"neutral","sentiment_score":0.055307955989106136,"channel":0,"num_words":22,"start":699.36505,"end":706.6},{"sentences":[{"text":"That's right.","start":707.025,"end":707.92505,"sentiment":"neutral","sentiment_score":0.07440653815865517}],"sentiment":"neutral","sentiment_score":0.07440653815865517,"channel":1,"num_words":2,"start":707.025,"end":707.92505},{"sentences":[{"text":"Yeah.","start":708.89996,"end":709.39996,"sentiment":"neutral","sentiment_score":0.03527287393808365},{"text":"Just as I'm","start":709.77997,"end":710.42,"sentiment":"neutral","sentiment_score":0.027213723709185917}],"sentiment":"neutral","sentiment_score":0.02922851126641035,"channel":0,"num_words":4,"start":708.89996,"end":710.42},{"sentences":[{"text":"Yes.","start":711.265,"end":711.765,"sentiment":"neutral","sentiment_score":0.019801387563347816}],"sentiment":"neutral","sentiment_score":0.019801387563347816,"channel":1,"num_words":1,"start":711.265,"end":711.765},{"sentences":[{"text":"but are they, like, partner, adult children?","start":713.62,"end":716.875,"sentiment":"neutral","sentiment_score":0.005209818083260741},{"text":"What's their","start":716.935,"end":717.575,"sentiment":"neutral","sentiment_score":-0.0005294159054756165}],"sentiment":"neutral","sentiment_score":0.003934432752430439,"channel":0,"num_words":9,"start":713.62,"end":717.575},{"sentences":[{"text":"Children.","start":717.505,"end":718.005,"sentiment":"neutral","sentiment_score":-0.004611557349562645}],"sentiment":"neutral","sentiment_score":-0.004611557349562645,"channel":1,"num_words":1,"start":717.505,"end":718.005},{"sentences":[{"text":"relation?","start":717.575,"end":718.075,"sentiment":"neutral","sentiment_score":0.0065119098871946335}],"sentiment":"neutral","sentiment_score":0.0065119098871946335,"channel":0,"num_words":1,"start":717.575,"end":718.075},{"sentences":[{"text":"They're they're my children.","start":718.145,"end":719.765,"sentiment":"neutral","sentiment_score":0.02180207916535437}],"sentiment":"neutral","sentiment_score":0.02180207916535437,"channel":1,"num_words":4,"start":718.145,"end":719.765},{"sentences":[{"text":"Perfect.","start":721.09503,"end":721.41504,"sentiment":"neutral","sentiment_score":0.18342608213424683},{"text":"And they're all over 18?","start":721.41504,"end":722.875,"sentiment":"neutral","sentiment_score":0.042806772887706755},{"text":"Yep.","start":725.015,"end":725.515,"sentiment":"neutral","sentiment_score":0.02241036854684353},{"text":"So the only other thoughts I had was two things, and","start":725.655,"end":729.275,"sentiment":"neutral","sentiment_score":-0.004305760291489688}],"sentiment":"neutral","sentiment_score":0.020694830661846533,"channel":0,"num_words":18,"start":721.09503,"end":729.275},{"sentences":[{"text":"Yes.","start":729.30005,"end":729.80005,"sentiment":"neutral","sentiment_score":0.014654507860541344}],"sentiment":"neutral","sentiment_score":0.014654507860541344,"channel":1,"num_words":1,"start":729.30005,"end":729.80005},{"sentences":[{"text":"these are not necessities.","start":729.45996,"end":730.76,"sentiment":"neutral","sentiment_score":-0.0462931040674448},{"text":"It's just ideas here.","start":730.89996,"end":732.74,"sentiment":"neutral","sentiment_score":0.03588694939389825},{"text":"Is","start":732.74,"end":733.14,"sentiment":"neutral","sentiment_score":0.023849647492170337}],"sentiment":"neutral","sentiment_score":-0.0019749968002239857,"channel":0,"num_words":9,"start":729.45996,"end":733.14},{"sentences":[{"text":"Yep.","start":732.82,"end":733.065,"sentiment":"neutral","sentiment_score":0.04107758402824402}],"sentiment":"neutral","sentiment_score":0.04107758402824402,"channel":1,"num_words":1,"start":732.82,"end":733.065},{"sentences":[{"text":"if you put your super into a pension account, all of the earnings that it grows for the interest, it all turns into tax free instead of","start":733.14,"end":742.925,"sentiment":"neutral","sentiment_score":0.03848645918899112}],"sentiment":"neutral","sentiment_score":0.03848645918899112,"channel":0,"num_words":27,"start":733.14,"end":742.925},{"sentences":[{"text":"Okay.","start":742.905,"end":743.405,"sentiment":"neutral","sentiment_score":-0.005090944468975067}],"sentiment":"neutral","sentiment_score":-0.005090944468975067,"channel":1,"num_words":1,"start":742.905,"end":743.405},{"sentences":[{"text":"the usual 15% concessional rate.","start":742.925,"end":745.785,"sentiment":"neutral","sentiment_score":0.008902530744671821},{"text":"What it does, however,","start":748.565,"end":749.865,"sentiment":"neutral","sentiment_score":-0.016354790423065424}],"sentiment":"neutral","sentiment_score":-0.0023229453298780653,"channel":0,"num_words":9,"start":742.925,"end":749.865},{"sentences":[{"text":"Okay.","start":749.81,"end":750.31,"sentiment":"neutral","sentiment_score":0.014721525833010674}],"sentiment":"neutral","sentiment_score":0.014721525833010674,"channel":1,"num_words":1,"start":749.81,"end":750.31},{"sentences":[{"text":"is once you convert it into a pension account, you have to draw down a minimum of 4% out of the super account.","start":750.165,"end":757.17,"sentiment":"neutral","sentiment_score":-0.025216592475771904},{"text":"So it would be, I guess, the optimal scenario would be if we put it pretty much all in a pension account to increase the earnings tax free.","start":757.81,"end":768.38995,"sentiment":"neutral","sentiment_score":0.32216120830604006},{"text":"You would have","start":768.52997,"end":769.08997,"sentiment":"positive","sentiment_score":0.47634609540303546}],"sentiment":"neutral","sentiment_score":0.18276982392287916,"channel":0,"num_words":54,"start":750.165,"end":769.08997},{"sentences":[{"text":"Yep.","start":768.945,"end":769.445,"sentiment":"positive","sentiment_score":0.36857640743255615}],"sentiment":"positive","sentiment_score":0.36857640743255615,"channel":1,"num_words":1,"start":768.945,"end":769.445},{"sentences":[{"text":"a little bit coming out.","start":769.08997,"end":770.475,"sentiment":"positive","sentiment_score":0.3609677851200104},{"text":"And if you didn't need to use the funds, we could actually recontribute it back in and kind of just recycle it a little bit.","start":770.555,"end":778.175,"sentiment":"positive","sentiment_score":0.3722039008140564},{"text":"And that also means that anything that we put back in goes in as non concessional, which means it's tax free for your beneficiaries.","start":778.71497,"end":788.0,"sentiment":"positive","sentiment_score":0.3654882349073887},{"text":"They wouldn't pay that kind of 15% tax or 17% when they received it.","start":788.7,"end":794.8,"sentiment":"neutral","sentiment_score":0.09152246160166604}],"sentiment":"neutral","sentiment_score":0.31122012567870755,"channel":0,"num_words":68,"start":769.08997,"end":794.8},{"sentences":[{"text":"Okay.","start":795.185,"end":795.685,"sentiment":"neutral","sentiment_score":0.16704604029655457},{"text":"Yeah.","start":797.10504,"end":797.425,"sentiment":"neutral","sentiment_score":0.16600972414016724}],"sentiment":"neutral","sentiment_score":0.1665278822183609,"channel":1,"num_words":2,"start":795.185,"end":797.425},{"sentences":[{"text":"So","start":797.42,"end":797.74,"sentiment":"neutral","sentiment_score":0.14191478490829468}],"sentiment":"neutral","sentiment_score":0.14191478490829468,"channel":0,"num_words":1,"start":797.42,"end":797.74},{"sentences":[{"text":"That that","start":797.425,"end":797.825,"sentiment":"neutral","sentiment_score":0.12937921285629272}],"sentiment":"neutral","sentiment_score":0.12937921285629272,"channel":1,"num_words":2,"start":797.425,"end":797.825},{"sentences":[{"text":"I just","start":797.74,"end":798.06,"sentiment":"neutral","sentiment_score":0.1284182220697403}],"sentiment":"neutral","sentiment_score":0.1284182220697403,"channel":0,"num_words":2,"start":797.74,"end":798.06},{"sentences":[{"text":"sounds","start":797.825,"end":798.065,"sentiment":"neutral","sentiment_score":0.12107188999652864}],"sentiment":"neutral","sentiment_score":0.12107188999652864,"channel":1,"num_words":1,"start":797.825,"end":798.065},{"sentences":[{"text":"wanted","start":798.06,"end":798.3,"sentiment":"neutral","sentiment_score":0.12494534254074097}],"sentiment":"neutral","sentiment_score":0.12494534254074097,"channel":0,"num_words":1,"start":798.06,"end":798.3},{"sentences":[{"text":"there","start":798.145,"end":798.385,"sentiment":"neutral","sentiment_score":0.11730974912643433}],"sentiment":"neutral","sentiment_score":0.11730974912643433,"channel":1,"num_words":1,"start":798.145,"end":798.385},{"sentences":[{"text":"to","start":798.3,"end":798.45996,"sentiment":"neutral","sentiment_score":0.11188238859176636}],"sentiment":"neutral","sentiment_score":0.11188238859176636,"channel":0,"num_words":1,"start":798.3,"end":798.45996},{"sentences":[{"text":"we","start":798.385,"end":798.54504,"sentiment":"neutral","sentiment_score":0.13080698251724243}],"sentiment":"neutral","sentiment_score":0.13080698251724243,"channel":1,"num_words":1,"start":798.385,"end":798.54504},{"sentences":[{"text":"kind","start":798.45996,"end":798.62,"sentiment":"neutral","sentiment_score":0.156023770570755}],"sentiment":"neutral","sentiment_score":0.156023770570755,"channel":0,"num_words":1,"start":798.45996,"end":798.62},{"sentences":[{"text":"go.","start":798.54504,"end":799.04504,"sentiment":"neutral","sentiment_score":0.16048437356948853}],"sentiment":"neutral","sentiment_score":0.16048437356948853,"channel":1,"num_words":1,"start":798.54504,"end":799.04504},{"sentences":[{"text":"of float the idea with you.","start":798.62,"end":800.235,"sentiment":"neutral","sentiment_score":0.15101569766799608}],"sentiment":"neutral","sentiment_score":0.15101569766799608,"channel":0,"num_words":6,"start":798.62,"end":800.235},{"sentences":[{"text":"Yeah.","start":800.22504,"end":800.385,"sentiment":"neutral","sentiment_score":0.15467381477355957},{"text":"No.","start":800.385,"end":800.625,"sentiment":"neutral","sentiment_score":0.16830161213874817},{"text":"I like that.","start":800.625,"end":801.3,"sentiment":"positive","sentiment_score":0.5023432374000549},{"text":"I like I like the idea","start":801.38,"end":802.51996,"sentiment":"positive","sentiment_score":0.6814331710338593}],"sentiment":"positive","sentiment_score":0.5380549241196025,"channel":1,"num_words":11,"start":800.22504,"end":802.51996},{"sentences":[{"text":"K.","start":803.995,"end":804.495,"sentiment":"positive","sentiment_score":0.4615745544433594},{"text":"One other thing","start":805.115,"end":805.755,"sentiment":"neutral","sentiment_score":0.1546701043844223}],"sentiment":"neutral","sentiment_score":0.23139621689915657,"channel":0,"num_words":4,"start":803.995,"end":805.755},{"sentences":[{"text":"of it.","start":805.62,"end":806.2,"sentiment":"neutral","sentiment_score":0.18165764212608337}],"sentiment":"neutral","sentiment_score":0.18165764212608337,"channel":1,"num_words":2,"start":805.62,"end":806.2},{"sentences":[{"text":"that I kind of wanna try to is if I'm looking in Netwealth account at the moment, just because of your state of life, it gives you a full breakdown of what your taxable component is, which is at 17% for estate purposes versus your tax free component.","start":805.755,"end":822.39,"sentiment":"neutral","sentiment_score":0.12090054783038795},{"text":"Now 87,000 of your 89 is sitting in taxable.","start":823.17004,"end":827.59,"sentiment":"neutral","sentiment_score":0.0008098062955670886},{"text":"So if you were to pass away tomorrow, that's the majority of the contract.","start":827.65,"end":834.695,"sentiment":"neutral","sentiment_score":-0.05534560958455716}],"sentiment":"neutral","sentiment_score":0.07092501434274542,"channel":0,"num_words":71,"start":805.755,"end":834.695},{"sentences":[{"text":"Wow.","start":834.93,"end":835.43,"sentiment":"positive","sentiment_score":0.4275387525558472}],"sentiment":"positive","sentiment_score":0.4275387525558472,"channel":1,"num_words":1,"start":834.93,"end":835.43},{"sentences":[{"text":"We can actually do something called a cash out recontribution if you're comfortable to do this with us.","start":835.083,"end":843.79004,"sentiment":"positive","sentiment_score":0.38540970120165086},{"text":"And what it basically is is we could pull out, say, 80,000 and put it back in within a day or two, and that would essentially wash 90% of the funds back into a tax free portion for your children.","start":843.85004,"end":857.96497,"sentiment":"positive","sentiment_score":0.33480701185762884}],"sentiment":"positive","sentiment_score":0.3505112947574977,"channel":0,"num_words":58,"start":835.083,"end":857.96497},{"sentences":[{"text":"Yep.","start":860.48,"end":860.98,"sentiment":"neutral","sentiment_score":0.29852575063705444}],"sentiment":"neutral","sentiment_score":0.29852575063705444,"channel":1,"num_words":1,"start":860.48,"end":860.98},{"sentences":[{"text":"So if you're comfortable to kind of go through that ride with me, there wouldn't be too much for you to do.","start":862.665,"end":868.045,"sentiment":"neutral","sentiment_score":0.24983463910492984},{"text":"I would basically update your portfolio to be a bit more conservative.","start":868.26996,"end":872.45,"sentiment":"neutral","sentiment_score":0.2391203244527181},{"text":"We would then set up your pension account, do a little withdrawal, and then you just have to put it back in again via, like, a BPAY or EFT, and","start":873.31,"end":883.625,"sentiment":"neutral","sentiment_score":0.2383477290471395}],"sentiment":"neutral","sentiment_score":0.2424412160180509,"channel":0,"num_words":64,"start":862.665,"end":883.625},{"sentences":[{"text":"Yep.","start":883.21,"end":883.71,"sentiment":"neutral","sentiment_score":0.22917526960372925}],"sentiment":"neutral","sentiment_score":0.22917526960372925,"channel":1,"num_words":1,"start":883.21,"end":883.71},{"sentences":[{"text":"we would handle all the rest in the background.","start":883.84503,"end":885.78503,"sentiment":"neutral","sentiment_score":0.25829801791244084}],"sentiment":"neutral","sentiment_score":0.25829801791244084,"channel":0,"num_words":9,"start":883.84503,"end":885.78503},{"sentences":[{"text":"Alright.","start":888.33,"end":888.765,"sentiment":"neutral","sentiment_score":0.01749618537724018}],"sentiment":"neutral","sentiment_score":0.01749618537724018,"channel":1,"num_words":1,"start":888.33,"end":888.765},{"sentences":[{"text":"Would you be comfortable to kind of I'll put that in writing so it's in plan for you, but would you be comfortable possibly doing that with us as a bit of a one off strategy?","start":890.565,"end":898.425,"sentiment":"neutral","sentiment_score":0.10583584145125416}],"sentiment":"neutral","sentiment_score":0.10583584145125416,"channel":0,"num_words":36,"start":890.565,"end":898.425},{"sentences":[{"text":"Yeah.","start":899.72504,"end":900.125,"sentiment":"neutral","sentiment_score":0.2296163439750671},{"text":"Yep.","start":900.125,"end":900.625,"sentiment":"positive","sentiment_score":0.3910331726074219}],"sentiment":"neutral","sentiment_score":0.3103247582912445,"channel":1,"num_words":2,"start":899.72504,"end":900.625},{"sentences":[{"text":"Cool.","start":902.41003,"end":902.91003,"sentiment":"positive","sentiment_score":0.6299639940261841},{"text":"I'll definitely crunch some numbers and sort of see how it would be best to do that and go through that updated advice document with you in a few weeks' time just to show you what I'm changing with the investments and also how to go about doing that, and we'll pretty much hold your hand along the whole whole time.","start":903.37,"end":921.295,"sentiment":"positive","sentiment_score":0.4464807864583907},{"text":"And the last thing I wanted to check was because you're on disability support pension, would you be essentially classed by the doctors as, say, only and permanently disabled by TBD, or is it just kind of middle ground in between?","start":924.39496,"end":941.75494,"sentiment":"neutral","sentiment_score":-0.018135124286523134}],"sentiment":"neutral","sentiment_score":0.2633179793421414,"channel":0,"num_words":103,"start":902.41003,"end":941.75494},{"sentences":[{"text":"Well, I'm not too sure.","start":943.075,"end":944.535,"sentiment":"neutral","sentiment_score":-0.17513023018836976},{"text":"What what it was is I had I had cancer going back about twenty years ago, and they had to open my back up, but I had a cancerous cord right around my spine.","start":944.675,"end":957.735,"sentiment":"neutral","sentiment_score":-0.2329813529025106},{"text":"Look.","start":959.68005,"end":959.84,"sentiment":"neutral","sentiment_score":-0.2649809718132019},{"text":"I couldn't work.","start":959.84,"end":960.82,"sentiment":"negative","sentiment_score":-0.3967306613922119},{"text":"I mean, you know, I had to had to work.","start":961.12006,"end":963.94,"sentiment":"neutral","sentiment_score":-0.27946695387363435}],"sentiment":"neutral","sentiment_score":-0.24616716310100736,"channel":1,"num_words":53,"start":943.075,"end":963.94},{"sentences":[{"text":"I'm only good for a couple of hours a day sort of thing.","start":964.88,"end":967.7,"sentiment":"neutral","sentiment_score":-0.3075127097276541},{"text":"Light duties, I can't lift anything too heavy and that sort of thing.","start":968.32,"end":971.445,"sentiment":"neutral","sentiment_score":-0.327974035189702},{"text":"So I I don't look.","start":971.685,"end":972.645,"sentiment":"neutral","sentiment_score":-0.2325399935245514},{"text":"I don't think","start":972.645,"end":973.205,"sentiment":"neutral","sentiment_score":-0.16282893220583597}],"sentiment":"neutral","sentiment_score":-0.2915445425931145,"channel":1,"num_words":34,"start":964.88,"end":973.205},{"sentences":[{"text":"Yes.","start":973.055,"end":973.555,"sentiment":"neutral","sentiment_score":-0.11941000819206238}],"sentiment":"neutral","sentiment_score":-0.11941000819206238,"channel":0,"num_words":1,"start":973.055,"end":973.555},{"sentences":[{"text":"I'd ever be called on to go back to work.","start":973.205,"end":976.265,"sentiment":"neutral","sentiment_score":-0.1619071252644062}],"sentiment":"neutral","sentiment_score":-0.1619071252644062,"channel":1,"num_words":10,"start":973.205,"end":976.265},{"sentences":[{"text":"Perfect.","start":979.47003,"end":979.97003,"sentiment":"neutral","sentiment_score":0.29568785429000854},{"text":"So the I guess the last question there is when you had that situation occurring and you stopped working, what were you actually doing for work at the time?","start":980.19,"end":991.565,"sentiment":"neutral","sentiment_score":-0.05620112783949951}],"sentiment":"neutral","sentiment_score":-0.04447149510184924,"channel":0,"num_words":30,"start":979.47003,"end":991.565},{"sentences":[{"text":"I was self employed.","start":993.14,"end":994.58,"sentiment":"neutral","sentiment_score":-0.031051665544509888},{"text":"I had a battery business.","start":994.58,"end":996.02,"sentiment":"neutral","sentiment_score":-0.00878894068300724},{"text":"I was wholesaling car and truck marine batteries.","start":996.02,"end":1000.165,"sentiment":"neutral","sentiment_score":0.013015588978305459}],"sentiment":"neutral","sentiment_score":-0.0037662737509783577,"channel":1,"num_words":17,"start":993.14,"end":1000.165},{"sentences":[{"text":"Yep.","start":1002.89996,"end":1003.39996,"sentiment":"neutral","sentiment_score":0.02316355332732201},{"text":"And you would have had to do a bit of, like, traveling around, like, travel salesman type thing?","start":1004.33997,"end":1009.77997,"sentiment":"neutral","sentiment_score":-0.028069852230449516},{"text":"Or","start":1009.77997,"end":1010.27997,"sentiment":"neutral","sentiment_score":-0.01501743495464325}],"sentiment":"neutral","sentiment_score":-0.024855561088770628,"channel":0,"num_words":20,"start":1002.89996,"end":1010.27997},{"sentences":[{"text":"Yes.","start":1009.825,"end":1010.22504,"sentiment":"neutral","sentiment_score":0.013871386647224426},{"text":"I was.","start":1010.22504,"end":1010.545,"sentiment":"neutral","sentiment_score":-0.001498599536716938},{"text":"Yeah.","start":1010.545,"end":1010.78503,"sentiment":"neutral","sentiment_score":0.02245706133544445},{"text":"I was I was on the road in","start":1010.78503,"end":1013.0,"sentiment":"neutral","sentiment_score":-0.0034092706628143787}],"sentiment":"neutral","sentiment_score":0.0005047569672266644,"channel":1,"num_words":12,"start":1009.825,"end":1013.0},{"sentences":[{"text":"yep.","start":1013.69995,"end":1014.19995,"sentiment":"neutral","sentiment_score":-0.021415187045931816},{"text":"So I guess why I'm kind of going down this route too is that because we're in this situation where I'm kind of optimizing your estate planning,","start":1015.335,"end":1023.355,"sentiment":"neutral","sentiment_score":0.06611603036246917}],"sentiment":"neutral","sentiment_score":0.06298991545502629,"channel":0,"num_words":28,"start":1013.69995,"end":1023.355},{"sentences":[{"text":"a","start":1023.38,"end":1023.88,"sentiment":"neutral","sentiment_score":0.08027472347021103}],"sentiment":"neutral","sentiment_score":0.08027472347021103,"channel":1,"num_words":1,"start":1023.38,"end":1023.88},{"sentences":[{"text":"you","start":1023.815,"end":1024.055,"sentiment":"neutral","sentiment_score":0.02130158245563507}],"sentiment":"neutral","sentiment_score":0.02130158245563507,"channel":0,"num_words":1,"start":1023.815,"end":1024.055},{"sentences":[{"text":"van.","start":1023.94,"end":1024.02,"sentiment":"neutral","sentiment_score":0.061909306794404984},{"text":"Yep.","start":1024.02,"end":1024.52,"sentiment":"neutral","sentiment_score":-0.03047095239162445}],"sentiment":"neutral","sentiment_score":0.015719177201390266,"channel":1,"num_words":2,"start":1023.94,"end":1024.52},{"sentences":[{"text":"can also potentially click on, like, a TBD status on the super, and that'll give you, like, a tax free up to list to convert your funds as well.","start":1024.055,"end":1032.6,"sentiment":"neutral","sentiment_score":0.2941406302410981},{"text":"It would be a lot more paperwork in terms of doctors' reports, filling out heaps of forms, and all that kind of thing, which I can pretty much achieve just by doing that repontribution with the pension I mentioned.","start":1033.22,"end":1045.5149,"sentiment":"neutral","sentiment_score":0.09062481671571732},{"text":"But it","start":1045.8949,"end":1046.2949,"sentiment":"neutral","sentiment_score":0.1854681372642517}],"sentiment":"neutral","sentiment_score":0.17764832004904746,"channel":0,"num_words":70,"start":1024.055,"end":1046.2949},{"sentences":[{"text":"Yep.","start":1046.2401,"end":1046.7401,"sentiment":"neutral","sentiment_score":0.232331320643425}],"sentiment":"neutral","sentiment_score":0.232331320643425,"channel":1,"num_words":1,"start":1046.2401,"end":1046.7401},{"sentences":[{"text":"would kind of give you that last little little optimization there.","start":1046.2949,"end":1050.6349,"sentiment":"positive","sentiment_score":0.34719517827033997},{"text":"It would be a decent amount of work for a little gain, but it's, I guess, what I would say is the most optimal situation.","start":1050.9349,"end":1057.5149,"sentiment":"neutral","sentiment_score":0.2803242075443268},{"text":"So","start":1057.6549,"end":1057.89,"sentiment":"neutral","sentiment_score":0.023356392979621887}],"sentiment":"neutral","sentiment_score":0.29325969033950083,"channel":0,"num_words":37,"start":1046.2949,"end":1057.89},{"sentences":[{"text":"Yeah.","start":1057.695,"end":1058.095,"sentiment":"neutral","sentiment_score":-0.0018261149525642395}],"sentiment":"neutral","sentiment_score":-0.0018261149525642395,"channel":1,"num_words":1,"start":1057.695,"end":1058.095},{"sentences":[{"text":"I just","start":1057.97,"end":1058.21,"sentiment":"neutral","sentiment_score":-0.0571388304233551}],"sentiment":"neutral","sentiment_score":-0.0571388304233551,"channel":0,"num_words":2,"start":1057.97,"end":1058.21},{"sentences":[{"text":"Yeah.","start":1058.095,"end":1058.1749,"sentiment":"neutral","sentiment_score":-0.04976388439536095},{"text":"No.","start":1058.1749,"end":1058.575,"sentiment":"neutral","sentiment_score":-0.29558756947517395}],"sentiment":"neutral","sentiment_score":-0.17267572693526745,"channel":1,"num_words":2,"start":1058.095,"end":1058.575},{"sentences":[{"text":"wanted to run","start":1058.21,"end":1058.6901,"sentiment":"neutral","sentiment_score":-0.281997154156367}],"sentiment":"neutral","sentiment_score":-0.281997154156367,"channel":0,"num_words":3,"start":1058.21,"end":1058.6901},{"sentences":[{"text":"No.","start":1058.575,"end":1059.075,"sentiment":"negative","sentiment_score":-0.3897516131401062}],"sentiment":"negative","sentiment_score":-0.3897516131401062,"channel":1,"num_words":1,"start":1058.575,"end":1059.075},{"sentences":[{"text":"it by you if that's","start":1058.6901,"end":1059.5701,"sentiment":"neutral","sentiment_score":-0.306817826628685}],"sentiment":"neutral","sentiment_score":-0.306817826628685,"channel":0,"num_words":5,"start":1058.6901,"end":1059.5701},{"sentences":[{"text":"No.","start":1060.495,"end":1060.6549,"sentiment":"negative","sentiment_score":-0.47146111726760864},{"text":"I will give that","start":1060.6549,"end":1061.2949,"sentiment":"negative","sentiment_score":-0.6480033248662949}],"sentiment":"negative","sentiment_score":-0.6126948833465576,"channel":1,"num_words":5,"start":1060.495,"end":1061.2949},{"sentences":[{"text":"yeah.","start":1061.17,"end":1061.67,"sentiment":"negative","sentiment_score":-0.632428765296936}],"sentiment":"negative","sentiment_score":-0.632428765296936,"channel":0,"num_words":1,"start":1061.17,"end":1061.67},{"sentences":[{"text":"a misfit.","start":1061.2949,"end":1061.875,"sentiment":"negative","sentiment_score":-0.679980605840683},{"text":"Yeah.","start":1062.4149,"end":1062.735,"sentiment":"neutral","sentiment_score":-0.04354460537433624},{"text":"Thanks.","start":1062.735,"end":1063.14,"sentiment":"neutral","sentiment_score":0.1363813579082489}],"sentiment":"neutral","sentiment_score":-0.3167811147868633,"channel":1,"num_words":4,"start":1061.2949,"end":1063.14},{"sentences":[{"text":"That's okay.","start":1063.25,"end":1063.73,"sentiment":"neutral","sentiment_score":0.14027418196201324},{"text":"I just had to ask the question then.","start":1063.73,"end":1065.25,"sentiment":"neutral","sentiment_score":0.035692498087882996}],"sentiment":"neutral","sentiment_score":0.05660883486270905,"channel":0,"num_words":10,"start":1063.25,"end":1065.25},{"sentences":[{"text":"Yep.","start":1065.22,"end":1065.62,"sentiment":"neutral","sentiment_score":0.0435580275952816}],"sentiment":"neutral","sentiment_score":0.0435580275952816,"channel":1,"num_words":1,"start":1065.22,"end":1065.62},{"sentences":[{"text":"Yep.","start":1065.25,"end":1065.75,"sentiment":"neutral","sentiment_score":0.028224466368556023}],"sentiment":"neutral","sentiment_score":0.028224466368556023,"channel":0,"num_words":1,"start":1065.25,"end":1065.75},{"sentences":[{"text":"No.","start":1065.62,"end":1065.78,"sentiment":"neutral","sentiment_score":-0.12745212018489838},{"text":"I'm the same.","start":1065.78,"end":1066.68,"sentiment":"neutral","sentiment_score":-0.12839815517266592}],"sentiment":"neutral","sentiment_score":-0.12816164642572403,"channel":1,"num_words":4,"start":1065.62,"end":1066.68},{"sentences":[{"text":"So I'll leave that out, and we'll just do the pension.","start":1066.21,"end":1070.47,"sentiment":"neutral","sentiment_score":0.005075602199543606},{"text":"Pension.","start":1075.285,"end":1075.685,"sentiment":"neutral","sentiment_score":-0.04021424055099487},{"text":"Haven't changed address.","start":1075.685,"end":1076.985,"sentiment":"neutral","sentiment_score":-0.1288180078069369},{"text":"Haven't changed family status.","start":1077.525,"end":1079.385,"sentiment":"neutral","sentiment_score":-0.10695736110210419},{"text":"And the last thing was in terms of, like, a will, you did have a will in place, so I think you were going to update at some point.","start":1080.725,"end":1087.74,"sentiment":"neutral","sentiment_score":-0.044836507146728447}],"sentiment":"neutral","sentiment_score":-0.043727599821674325,"channel":0,"num_words":48,"start":1066.21,"end":1087.74},{"sentences":[{"text":"It was getting a little bit old.","start":1087.74,"end":1089.18,"sentiment":"neutral","sentiment_score":-0.23596261654581344},{"text":"Did you end up doing","start":1089.18,"end":1090.06,"sentiment":"neutral","sentiment_score":-0.07644243538379669}],"sentiment":"neutral","sentiment_score":-0.16949587439497313,"channel":0,"num_words":12,"start":1087.74,"end":1090.06},{"sentences":[{"text":"Yeah.","start":1089.875,"end":1090.035,"sentiment":"neutral","sentiment_score":-0.05048518627882004},{"text":"I","start":1090.035,"end":1090.535,"sentiment":"neutral","sentiment_score":-0.051024891436100006}],"sentiment":"neutral","sentiment_score":-0.05075503885746002,"channel":1,"num_words":2,"start":1089.875,"end":1090.535},{"sentences":[{"text":"that?","start":1090.06,"end":1090.3,"sentiment":"neutral","sentiment_score":-0.06743840128183365},{"text":"Or","start":1090.3,"end":1090.46,"sentiment":"neutral","sentiment_score":-0.07497259974479675}],"sentiment":"neutral","sentiment_score":-0.0712055005133152,"channel":0,"num_words":2,"start":1090.06,"end":1090.46},{"sentences":[{"text":"I had a will that I made up quite a while ago.","start":1090.7,"end":1093.98,"sentiment":"neutral","sentiment_score":-0.09282283671200275},{"text":"Yeah.","start":1093.98,"end":1094.22,"sentiment":"neutral","sentiment_score":-0.0568728968501091},{"text":"I I probably do need to update it.","start":1094.22,"end":1097.12,"sentiment":"neutral","sentiment_score":-0.09372473321855068}],"sentiment":"neutral","sentiment_score":-0.09145451443535942,"channel":1,"num_words":21,"start":1090.7,"end":1097.12},{"sentences":[{"text":"Yep.","start":1098.475,"end":1098.975,"sentiment":"neutral","sentiment_score":0.029824843630194664},{"text":"And when it comes to the will, I I know it might be a bit hard to think back several years, but do you know if you have, like, a power of attorney put in place if you remember what that does?","start":1099.8351,"end":1108.83,"sentiment":"neutral","sentiment_score":-0.024654077499040535}],"sentiment":"neutral","sentiment_score":-0.023387125844872274,"channel":0,"num_words":43,"start":1098.475,"end":1108.83},{"sentences":[{"text":"No.","start":1110.075,"end":1110.575,"sentiment":"negative","sentiment_score":-0.3411591649055481},{"text":"I I wouldn't have had at that point in time.","start":1110.635,"end":1113.615,"sentiment":"neutral","sentiment_score":-0.3175520420074463},{"text":"Would not have had.","start":1114.235,"end":1115.22,"sentiment":"neutral","sentiment_score":-0.21850934997200966}],"sentiment":"neutral","sentiment_score":-0.29271446565786996,"channel":1,"num_words":15,"start":1110.075,"end":1115.22},{"sentences":[{"text":"Yeah.","start":1114.99,"end":1115.39,"sentiment":"neutral","sentiment_score":-0.010874364525079727}],"sentiment":"neutral","sentiment_score":-0.010874364525079727,"channel":0,"num_words":1,"start":1114.99,"end":1115.39},{"sentences":[{"text":"Yeah.","start":1115.22,"end":1115.72,"sentiment":"neutral","sentiment_score":0.03073469176888466}],"sentiment":"neutral","sentiment_score":0.03073469176888466,"channel":1,"num_words":1,"start":1115.22,"end":1115.72},{"sentences":[{"text":"And it's just one of those things that allows, like, why you're still alive.","start":1115.39,"end":1120.75,"sentiment":"neutral","sentiment_score":0.07928243279457092},{"text":"Like, let's say you're in a coma.","start":1120.75,"end":1122.2899,"sentiment":"neutral","sentiment_score":-0.02069060761381739},{"text":"Someone can talk to the doctors on your behalf and also,","start":1123.105,"end":1126.645,"sentiment":"neutral","sentiment_score":0.0975772961974144}],"sentiment":"neutral","sentiment_score":0.06370218949996342,"channel":0,"num_words":32,"start":1115.39,"end":1126.645},{"sentences":[{"text":"Yep.","start":1126.66,"end":1126.845,"sentiment":"neutral","sentiment_score":-0.03741035982966423}],"sentiment":"neutral","sentiment_score":-0.03741035982966423,"channel":1,"num_words":1,"start":1126.66,"end":1126.845},{"sentences":[{"text":"like, manage bank accounts, make sure bills are paid, things like that without having to go to court to sue for probate.","start":1127.025,"end":1133.2849,"sentiment":"neutral","sentiment_score":0.015325616494837132},{"text":"So if you think that would be valuable to have someone trusted there to look after things if you were","start":1133.9049,"end":1139.6,"sentiment":"neutral","sentiment_score":0.026697512436658143}],"sentiment":"neutral","sentiment_score":0.020740805038561422,"channel":0,"num_words":42,"start":1127.025,"end":1139.6},{"sentences":[{"text":"Yeah.","start":1139.485,"end":1139.8049,"sentiment":"neutral","sentiment_score":-0.0930594950914383}],"sentiment":"neutral","sentiment_score":-0.0930594950914383,"channel":1,"num_words":1,"start":1139.485,"end":1139.8049},{"sentences":[{"text":"incapacitated.","start":1139.6,"end":1140.1,"sentiment":"neutral","sentiment_score":-0.19112129509449005}],"sentiment":"neutral","sentiment_score":-0.19112129509449005,"channel":0,"num_words":1,"start":1139.6,"end":1140.1},{"sentences":[{"text":"Definitely.","start":1139.8049,"end":1140.3049,"sentiment":"neutral","sentiment_score":-0.04179346561431885},{"text":"Yep.","start":1141.085,"end":1141.38,"sentiment":"neutral","sentiment_score":0.0589415431022644}],"sentiment":"neutral","sentiment_score":0.008574038743972775,"channel":1,"num_words":2,"start":1139.8049,"end":1141.38},{"sentences":[{"text":"Yep.","start":1142.8,"end":1143.2001,"sentiment":"neutral","sentiment_score":0.05986138805747032},{"text":"So I would just kind of suggest if you're gonna update the will, maybe see if you can get one of those added on.","start":1143.2001,"end":1148.3201,"sentiment":"neutral","sentiment_score":0.01732296486928438},{"text":"And look,","start":1148.3201,"end":1148.88,"sentiment":"neutral","sentiment_score":0.011234726756811142}],"sentiment":"neutral","sentiment_score":0.018447481423478435,"channel":0,"num_words":27,"start":1142.8,"end":1148.88},{"sentences":[{"text":"Yes.","start":1148.58,"end":1148.9,"sentiment":"neutral","sentiment_score":0.015496677719056606}],"sentiment":"neutral","sentiment_score":0.015496677719056606,"channel":1,"num_words":1,"start":1148.58,"end":1148.9},{"sentences":[{"text":"worst","start":1148.88,"end":1149.2001,"sentiment":"neutral","sentiment_score":-0.024599824100732803}],"sentiment":"neutral","sentiment_score":-0.024599824100732803,"channel":0,"num_words":1,"start":1148.88,"end":1149.2001},{"sentences":[{"text":"I do.","start":1148.9,"end":1149.56,"sentiment":"neutral","sentiment_score":0.006779070012271404}],"sentiment":"neutral","sentiment_score":0.006779070012271404,"channel":1,"num_words":2,"start":1148.9,"end":1149.56},{"sentences":[{"text":"case scenario, you can get one of those power of attorney kits from the post office, from the government, like, 25.","start":1149.2001,"end":1155.755,"sentiment":"neutral","sentiment_score":0.016763797295945033}],"sentiment":"neutral","sentiment_score":0.016763797295945033,"channel":0,"num_words":21,"start":1149.2001,"end":1155.755},{"sentences":[{"text":"Yep.","start":1156.02,"end":1156.335,"sentiment":"neutral","sentiment_score":0.049112409353256226}],"sentiment":"neutral","sentiment_score":0.049112409353256226,"channel":1,"num_words":1,"start":1156.02,"end":1156.335},{"sentences":[{"text":"Or if you go to, like, your lawyer, take the will, there's heaps of different options there.","start":1156.215,"end":1160.955,"sentiment":"neutral","sentiment_score":0.04022742095677292}],"sentiment":"neutral","sentiment_score":0.04022742095677292,"channel":0,"num_words":17,"start":1156.215,"end":1160.955},{"sentences":[{"text":"Alright.","start":1161.2949,"end":1161.7949,"sentiment":"neutral","sentiment_score":0.21963094174861908}],"sentiment":"neutral","sentiment_score":0.21963094174861908,"channel":1,"num_words":1,"start":1161.2949,"end":1161.7949},{"sentences":[{"text":"Cool.","start":1163.9099,"end":1164.4099,"sentiment":"positive","sentiment_score":0.35636287927627563},{"text":"So that's pretty much it for most of that.","start":1164.87,"end":1167.5299,"sentiment":"positive","sentiment_score":0.3654533194171058},{"text":"Any questions so far?","start":1168.1499,"end":1169.11,"sentiment":"neutral","sentiment_score":0.18666833639144897},{"text":"And I've kind of bombarded you with a bit of technical info","start":1169.11,"end":1171.83,"sentiment":"neutral","sentiment_score":0.0413605833115677}],"sentiment":"neutral","sentiment_score":0.18801704228210908,"channel":0,"num_words":26,"start":1163.9099,"end":1171.83},{"sentences":[{"text":"No.","start":1171.66,"end":1171.74,"sentiment":"neutral","sentiment_score":-0.0349857434630394},{"text":"No.","start":1171.74,"end":1171.86,"sentiment":"neutral","sentiment_score":-0.048358168452978134}],"sentiment":"neutral","sentiment_score":-0.041671955958008766,"channel":1,"num_words":2,"start":1171.66,"end":1171.86},{"sentences":[{"text":"today.","start":1171.83,"end":1172.33,"sentiment":"neutral","sentiment_score":-0.020952101796865463}],"sentiment":"neutral","sentiment_score":-0.020952101796865463,"channel":0,"num_words":1,"start":1171.83,"end":1172.33},{"sentences":[{"text":"It all all sounds pretty good.","start":1171.86,"end":1173.84,"sentiment":"neutral","sentiment_score":0.26494234303633374}],"sentiment":"neutral","sentiment_score":0.26494234303633374,"channel":1,"num_words":6,"start":1171.86,"end":1173.84},{"sentences":[{"text":"Mhmm.","start":1175.19,"end":1175.69,"sentiment":"neutral","sentiment_score":0.025717591866850853}],"sentiment":"neutral","sentiment_score":0.025717591866850853,"channel":0,"num_words":1,"start":1175.19,"end":1175.69},{"sentences":[{"text":"Yeah.","start":1176.06,"end":1176.3,"sentiment":"neutral","sentiment_score":0.027844263240695},{"text":"No.","start":1176.3,"end":1176.8,"sentiment":"neutral","sentiment_score":-0.008707964792847633},{"text":"All","start":1179.5,"end":1179.82,"sentiment":"neutral","sentiment_score":0.039715833961963654}],"sentiment":"neutral","sentiment_score":0.019617377469937008,"channel":1,"num_words":3,"start":1176.06,"end":1179.82},{"sentences":[{"text":"Okay.","start":1179.555,"end":1180.055,"sentiment":"neutral","sentiment_score":0.12150894850492476}],"sentiment":"neutral","sentiment_score":0.12150894850492476,"channel":0,"num_words":1,"start":1179.555,"end":1180.055},{"sentences":[{"text":"good.","start":1179.82,"end":1180.32,"sentiment":"neutral","sentiment_score":0.14052234590053558}],"sentiment":"neutral","sentiment_score":0.14052234590053558,"channel":1,"num_words":1,"start":1179.82,"end":1180.32},{"sentences":[{"text":"Goals wise, I think you were looking to go on a bit of a cruise at some point.","start":1182.035,"end":1185.955,"sentiment":"neutral","sentiment_score":0.03734193845755524},{"text":"I don't know if that was","start":1185.955,"end":1186.995,"sentiment":"neutral","sentiment_score":-0.019780654460191727}],"sentiment":"neutral","sentiment_score":0.023061290228118498,"channel":0,"num_words":24,"start":1182.035,"end":1186.995},{"sentences":[{"text":"Yeah.","start":1186.78,"end":1187.1,"sentiment":"neutral","sentiment_score":-0.022583454847335815}],"sentiment":"neutral","sentiment_score":-0.022583454847335815,"channel":1,"num_words":1,"start":1186.78,"end":1187.1},{"sentences":[{"text":"quite","start":1186.995,"end":1187.235,"sentiment":"neutral","sentiment_score":-0.04581833630800247}],"sentiment":"neutral","sentiment_score":-0.04581833630800247,"channel":0,"num_words":1,"start":1186.995,"end":1187.235},{"sentences":[{"text":"I","start":1187.1,"end":1187.415,"sentiment":"neutral","sentiment_score":-0.0524371936917305}],"sentiment":"neutral","sentiment_score":-0.0524371936917305,"channel":1,"num_words":1,"start":1187.1,"end":1187.415},{"sentences":[{"text":"an old","start":1187.235,"end":1187.635,"sentiment":"neutral","sentiment_score":-0.07863333821296692}],"sentiment":"neutral","sentiment_score":-0.07863333821296692,"channel":0,"num_words":2,"start":1187.235,"end":1187.635},{"sentences":[{"text":"I","start":1187.495,"end":1187.655,"sentiment":"neutral","sentiment_score":-0.07326456159353256}],"sentiment":"neutral","sentiment_score":-0.07326456159353256,"channel":1,"num_words":1,"start":1187.495,"end":1187.655},{"sentences":[{"text":"goal.","start":1187.635,"end":1187.955,"sentiment":"neutral","sentiment_score":-0.07483424991369247}],"sentiment":"neutral","sentiment_score":-0.07483424991369247,"channel":0,"num_words":1,"start":1187.635,"end":1187.955},{"sentences":[{"text":"thought","start":1187.655,"end":1188.155,"sentiment":"neutral","sentiment_score":-0.051813654601573944}],"sentiment":"neutral","sentiment_score":-0.051813654601573944,"channel":1,"num_words":1,"start":1187.655,"end":1188.155},{"sentences":[{"text":"Is that","start":1187.955,"end":1188.275,"sentiment":"neutral","sentiment_score":-0.03970946930348873}],"sentiment":"neutral","sentiment_score":-0.03970946930348873,"channel":0,"num_words":2,"start":1187.955,"end":1188.275},{"sentences":[{"text":"actually","start":1188.2151,"end":1188.615,"sentiment":"neutral","sentiment_score":-0.04624779522418976}],"sentiment":"neutral","sentiment_score":-0.04624779522418976,"channel":1,"num_words":1,"start":1188.2151,"end":1188.615},{"sentences":[{"text":"still current?","start":1188.275,"end":1189.015,"sentiment":"neutral","sentiment_score":-0.061108287423849106}],"sentiment":"neutral","sentiment_score":-0.061108287423849106,"channel":0,"num_words":2,"start":1188.275,"end":1189.015},{"sentences":[{"text":"was going to do it this year, but that got canceled.","start":1188.615,"end":1191.755,"sentiment":"neutral","sentiment_score":-0.09168416126207872},{"text":"So but yeah.","start":1191.8151,"end":1193.355,"sentiment":"neutral","sentiment_score":-0.042564064264297485},{"text":"Maybe in the next twelve months.","start":1194.2151,"end":1195.8351,"sentiment":"neutral","sentiment_score":-0.015057136304676533}],"sentiment":"neutral","sentiment_score":-0.06132803922519088,"channel":1,"num_words":20,"start":1188.615,"end":1195.8351},{"sentences":[{"text":"Yep.","start":1197.34,"end":1197.84,"sentiment":"neutral","sentiment_score":0.04384877532720566},{"text":"Done.","start":1197.8999,"end":1198.3999,"sentiment":"neutral","sentiment_score":0.0435786210000515},{"text":"And the last thing there is when it comes to your term deposit maturing, do you want me to factor any of those funds in to this contribution plan with the super, or would you prefer to kind of still keep them separate?","start":1199.58,"end":1212.145,"sentiment":"neutral","sentiment_score":-0.009187693317788978}],"sentiment":"neutral","sentiment_score":-0.006836520363059309,"channel":0,"num_words":45,"start":1197.34,"end":1212.145},{"sentences":[{"text":"No.","start":1212.55,"end":1212.79,"sentiment":"neutral","sentiment_score":-0.12164440751075745},{"text":"I'll just leave that role as it is.","start":1212.79,"end":1214.415,"sentiment":"neutral","sentiment_score":-0.11814181506633759},{"text":"Yep.","start":1214.9751,"end":1215.4751,"sentiment":"neutral","sentiment_score":0.053166985511779785}],"sentiment":"neutral","sentiment_score":-0.10136119425296783,"channel":1,"num_words":10,"start":1212.55,"end":1215.4751},{"sentences":[{"text":"Yeah.","start":1215.645,"end":1215.965,"sentiment":"neutral","sentiment_score":0.07773391902446747},{"text":"And just roll it on for the next year.","start":1215.965,"end":1217.405,"sentiment":"neutral","sentiment_score":0.07814422829283608},{"text":"I think the interest rates are up higher now.","start":1217.405,"end":1219.56,"sentiment":"neutral","sentiment_score":0.08231832376784748}],"sentiment":"neutral","sentiment_score":0.08009983618792735,"channel":0,"num_words":19,"start":1215.645,"end":1219.56},{"sentences":[{"text":"Okay.","start":1219.855,"end":1220.355,"sentiment":"neutral","sentiment_score":0.16341567039489746}],"sentiment":"neutral","sentiment_score":0.16341567039489746,"channel":1,"num_words":1,"start":1219.855,"end":1220.355},{"sentences":[{"text":"Yep.","start":1221.9601,"end":1222.4601,"sentiment":"neutral","sentiment_score":0.2611721158027649},{"text":"Perfect.","start":1222.52,"end":1223.02,"sentiment":"positive","sentiment_score":0.4941899180412293},{"text":"Alrighty.","start":1223.64,"end":1224.14,"sentiment":"positive","sentiment_score":0.45634475350379944},{"text":"Mate, that's pretty much everything that I had for the review so far.","start":1224.2001,"end":1227.26,"sentiment":"positive","sentiment_score":0.4697931752755092},{"text":"There's no insurances or anything, so that's great.","start":1227.64,"end":1230.2201,"sentiment":"positive","sentiment_score":0.5399248003959656}],"sentiment":"positive","sentiment_score":0.4849340195457141,"channel":0,"num_words":24,"start":1221.9601,"end":1230.2201},{"sentences":[{"text":"And","start":1230.52,"end":1231.02,"sentiment":"positive","sentiment_score":0.3453634977340698}],"sentiment":"positive","sentiment_score":0.3453634977340698,"channel":0,"num_words":1,"start":1230.52,"end":1231.02},{"sentences":[{"text":"Yes.","start":1230.67,"end":1231.17,"sentiment":"neutral","sentiment_score":0.30838531255722046}],"sentiment":"neutral","sentiment_score":0.30838531255722046,"channel":1,"num_words":1,"start":1230.67,"end":1231.17},{"sentences":[{"text":"like I mentioned before, I've kind of emailed through that pack for you just to have a look at the performance and so on.","start":1231.3201,"end":1237.085,"sentiment":"neutral","sentiment_score":0.23336695165683827},{"text":"And there's also, like, a a digital link through our ongoing service agreement.","start":1237.145,"end":1242.205,"sentiment":"neutral","sentiment_score":0.11204904604416627},{"text":"I did wanna double check if you, of course, still comfortable to remain a client about you.","start":1242.585,"end":1247.1,"sentiment":"neutral","sentiment_score":0.18271833219948938}],"sentiment":"neutral","sentiment_score":0.18821585343943703,"channel":0,"num_words":54,"start":1231.3201,"end":1247.1},{"sentences":[{"text":"Yes.","start":1247.4049,"end":1247.725,"sentiment":"neutral","sentiment_score":0.1916978657245636},{"text":"For sure.","start":1247.725,"end":1248.3849,"sentiment":"neutral","sentiment_score":0.2076248824596405}],"sentiment":"neutral","sentiment_score":0.20231587688128153,"channel":1,"num_words":3,"start":1247.4049,"end":1248.3849},{"sentences":[{"text":"Cool.","start":1249.66,"end":1250.16,"sentiment":"positive","sentiment_score":0.4915543794631958},{"text":"So the fees haven't changed.","start":1250.22,"end":1252.22,"sentiment":"neutral","sentiment_score":0.25067477524280546},{"text":"It's still the standard, like, 1.65% split over those monthly payments throughout the year, and that always gets factored into the performance as well.","start":1252.22,"end":1261.605,"sentiment":"neutral","sentiment_score":0.2449369045595328},{"text":"So everything that I quote is after fees.","start":1261.6849,"end":1264.025,"sentiment":"neutral","sentiment_score":0.0840724129229784}],"sentiment":"neutral","sentiment_score":0.21831561232867994,"channel":0,"num_words":38,"start":1249.66,"end":1264.025},{"sentences":[{"text":"Alright.","start":1264.5399,"end":1265.0399,"sentiment":"positive","sentiment_score":0.3806880116462707},{"text":"Great.","start":1265.1799,"end":1265.655,"sentiment":"positive","sentiment_score":0.6820132732391357}],"sentiment":"positive","sentiment_score":0.5313506424427032,"channel":1,"num_words":2,"start":1264.5399,"end":1265.655},{"sentences":[{"text":"Cool.","start":1266.965,"end":1267.465,"sentiment":"positive","sentiment_score":0.5597354769706726},{"text":"Jeff, any questions for me so far?","start":1267.765,"end":1269.785,"sentiment":"neutral","sentiment_score":0.26137265137263704}],"sentiment":"neutral","sentiment_score":0.2986680045723915,"channel":0,"num_words":8,"start":1266.965,"end":1269.785},{"sentences":[{"text":"No.","start":1270.295,"end":1270.775,"sentiment":"neutral","sentiment_score":-0.02298179641366005},{"text":"Just just one when you call me back regarding taking the money out and put it back in, will it be on this number?","start":1270.775,"end":1277.915,"sentiment":"neutral","sentiment_score":-0.0201175210531801}],"sentiment":"neutral","sentiment_score":-0.020232092067599298,"channel":1,"num_words":25,"start":1270.295,"end":1277.915},{"sentences":[{"text":"It can be on any number you prefer.","start":1280.37,"end":1282.9501,"sentiment":"neutral","sentiment_score":0.024793941294774413},{"text":"If you have a preferred contact","start":1283.09,"end":1284.4501,"sentiment":"neutral","sentiment_score":0.004896148107945919}],"sentiment":"neutral","sentiment_score":0.016266315643276488,"channel":0,"num_words":14,"start":1280.37,"end":1284.4501},{"sentences":[{"text":"No.","start":1284.23,"end":1284.55,"sentiment":"neutral","sentiment_score":-0.02057591825723648}],"sentiment":"neutral","sentiment_score":-0.02057591825723648,"channel":1,"num_words":1,"start":1284.23,"end":1284.55},{"sentences":[{"text":"number,","start":1284.4501,"end":1284.6901,"sentiment":"neutral","sentiment_score":-0.02059713378548622}],"sentiment":"neutral","sentiment_score":-0.02059713378548622,"channel":0,"num_words":1,"start":1284.4501,"end":1284.6901},{"sentences":[{"text":"Just","start":1284.55,"end":1284.79,"sentiment":"neutral","sentiment_score":-0.027048327028751373}],"sentiment":"neutral","sentiment_score":-0.027048327028751373,"channel":1,"num_words":1,"start":1284.55,"end":1284.79},{"sentences":[{"text":"I","start":1284.6901,"end":1284.85,"sentiment":"neutral","sentiment_score":-0.012985672801733015}],"sentiment":"neutral","sentiment_score":-0.012985672801733015,"channel":0,"num_words":1,"start":1284.6901,"end":1284.85},{"sentences":[{"text":"that","start":1284.79,"end":1285.1901,"sentiment":"neutral","sentiment_score":-0.00361904501914978}],"sentiment":"neutral","sentiment_score":-0.00361904501914978,"channel":1,"num_words":1,"start":1284.79,"end":1285.1901},{"sentences":[{"text":"can update.","start":1284.85,"end":1285.51,"sentiment":"neutral","sentiment_score":0.004063388332724571}],"sentiment":"neutral","sentiment_score":0.004063388332724571,"channel":0,"num_words":2,"start":1284.85,"end":1285.51},{"sentences":[{"text":"I'm I'm saving some of the I don't normally answer interstate calls, but I remember last time that the girl said, oh, it had come through on an 07 number, and I said, okay.","start":1285.1901,"end":1295.235,"sentiment":"neutral","sentiment_score":-0.011781592106939676},{"text":"No worries.","start":1295.235,"end":1295.875,"sentiment":"neutral","sentiment_score":-0.0015211673453450203},{"text":"You know?","start":1295.875,"end":1296.455,"sentiment":"neutral","sentiment_score":-0.006904205773025753}],"sentiment":"neutral","sentiment_score":-0.010984865207176068,"channel":1,"num_words":38,"start":1285.1901,"end":1296.455},{"sentences":[{"text":"Yeah.","start":1299.4401,"end":1299.8401,"sentiment":"neutral","sentiment_score":-0.0041011180728673935},{"text":"And one of the tricky things that I'm not across with the tech is we've got, like, a main office number.","start":1299.8401,"end":1305.4601,"sentiment":"neutral","sentiment_score":-0.06064364899482046},{"text":"And because I'm on a digital phone system, when it calls through, it may come through from Yeah.","start":1305.68,"end":1311.2301,"sentiment":"neutral","sentiment_score":-0.030566730277819767}],"sentiment":"neutral","sentiment_score":-0.04569547229912132,"channel":0,"num_words":40,"start":1299.4401,"end":1311.2301},{"sentences":[{"text":"It's come through as a 0736679841.","start":1314.5801,"end":1319.535,"sentiment":"neutral","sentiment_score":-0.004526001478855808},{"text":"Just in","start":1319.6951,"end":1320.515,"sentiment":"neutral","sentiment_score":-0.002063572406768799}],"sentiment":"neutral","sentiment_score":-0.003910394210834056,"channel":1,"num_words":8,"start":1314.5801,"end":1320.515},{"sentences":[{"text":"Yep.","start":1321.805,"end":1322.2051,"sentiment":"neutral","sentiment_score":0.015190149657428265},{"text":"Yep.","start":1322.2051,"end":1322.685,"sentiment":"neutral","sentiment_score":0.04093176871538162},{"text":"That's our sort of digital phone number.","start":1322.685,"end":1325.1051,"sentiment":"neutral","sentiment_score":0.06132317600505693},{"text":"If it helps at all, I can always send you a bit of a text message before any calls.","start":1325.245,"end":1329.34,"sentiment":"neutral","sentiment_score":0.11989537234369077},{"text":"Just give you a heads up.","start":1329.34,"end":1330.2999,"sentiment":"neutral","sentiment_score":0.10468456894159317}],"sentiment":"neutral","sentiment_score":0.09975010701729094,"channel":0,"num_words":34,"start":1321.805,"end":1330.2999},{"sentences":[{"text":"That'll be us calling if","start":1330.2999,"end":1331.58,"sentiment":"neutral","sentiment_score":0.13209773302078248}],"sentiment":"neutral","sentiment_score":0.13209773302078248,"channel":0,"num_words":5,"start":1330.2999,"end":1331.58},{"sentences":[{"text":"yep.","start":1331.4551,"end":1331.9551,"sentiment":"neutral","sentiment_score":0.09210195392370224}],"sentiment":"neutral","sentiment_score":0.09210195392370224,"channel":1,"num_words":1,"start":1331.4551,"end":1331.9551},{"sentences":[{"text":"that helps.","start":1331.58,"end":1332.1399,"sentiment":"neutral","sentiment_score":0.1634686216711998},{"text":"So","start":1332.1399,"end":1332.6399,"sentiment":"positive","sentiment_score":0.3409634828567505}],"sentiment":"neutral","sentiment_score":0.2226335753997167,"channel":0,"num_words":3,"start":1331.58,"end":1332.6399},{"sentences":[{"text":"It's gonna be great.","start":1332.175,"end":1333.055,"sentiment":"positive","sentiment_score":0.41841646283864975},{"text":"Yeah.","start":1333.055,"end":1333.535,"sentiment":"neutral","sentiment_score":0.07770171761512756},{"text":"That way I'd know if you guys and other other than that, if you if you do ring and I don't answer it, just leave a message because most of the electricity companies that are trying to talk here don't leave a message anyway sort of thing.","start":1333.535,"end":1349.23,"sentiment":"neutral","sentiment_score":-0.027268252632719404},{"text":"You know?","start":1349.23,"end":1349.595,"sentiment":"neutral","sentiment_score":-0.011866487562656404}],"sentiment":"neutral","sentiment_score":0.00825975407604818,"channel":1,"num_words":54,"start":1332.175,"end":1349.595},{"sentences":[{"text":"Yep.","start":1351.135,"end":1351.635,"sentiment":"neutral","sentiment_score":0.021804317831993103},{"text":"We don't like doing too many double, triple rings these days, but a text beforehand and a voice message after, no worries at all.","start":1352.175,"end":1358.99,"sentiment":"neutral","sentiment_score":0.004608665127307177}],"sentiment":"neutral","sentiment_score":0.005296491235494614,"channel":0,"num_words":25,"start":1351.135,"end":1358.99},{"sentences":[{"text":"Either one.","start":1359.515,"end":1360.255,"sentiment":"neutral","sentiment_score":-0.030583340674638748},{"text":"Either or either.","start":1360.635,"end":1361.355,"sentiment":"neutral","sentiment_score":-0.039293043315410614},{"text":"It doesn't.","start":1361.355,"end":1362.015,"sentiment":"neutral","sentiment_score":-0.1023753322660923},{"text":"Yes.","start":1362.8,"end":1363.3,"sentiment":"neutral","sentiment_score":0.08621552586555481}],"sentiment":"neutral","sentiment_score":-0.03719761874526739,"channel":1,"num_words":8,"start":1359.515,"end":1363.3},{"sentences":[{"text":"Yep.","start":1364.73,"end":1365.13,"sentiment":"positive","sentiment_score":0.36192020773887634},{"text":"Awesome.","start":1365.13,"end":1365.63,"sentiment":"positive","sentiment_score":0.7263165712356567},{"text":"Mate, with the the pack that I sent through to you, please just bear in mind that it's on our our new system called Odoo.","start":1365.9299,"end":1372.515,"sentiment":"neutral","sentiment_score":0.2559270399808884},{"text":"It's kind of like a all your customer details as well as a bit of a DocuSign as well.","start":1372.515,"end":1379.015,"sentiment":"neutral","sentiment_score":0.25225478959710973},{"text":"It may go through to your spam folder in your email, or it may go through your main box.","start":1379.0751,"end":1384.2401,"sentiment":"neutral","sentiment_score":0.08249442200911672}],"sentiment":"neutral","sentiment_score":0.2130253507540776,"channel":0,"num_words":65,"start":1364.73,"end":1384.2401},{"sentences":[{"text":"So just have a bit of a check on both.","start":1384.2401,"end":1385.9401,"sentiment":"neutral","sentiment_score":0.17289356216788293},{"text":"And when you go in there, if you have any trouble with the system, just give the team a call.","start":1386.16,"end":1392.16,"sentiment":"neutral","sentiment_score":0.0999341707676649},{"text":"They can walk you through it.","start":1392.16,"end":1393.3601,"sentiment":"neutral","sentiment_score":0.18003607044617334},{"text":"But it tends to do, like, an automatic stamp signature, Or you can, like, click on it with your finger and and draw","start":1393.3601,"end":1399.565,"sentiment":"neutral","sentiment_score":0.05064100180955037}],"sentiment":"neutral","sentiment_score":0.10123014409031908,"channel":0,"num_words":59,"start":1384.2401,"end":1399.565},{"sentences":[{"text":"It","start":1399.44,"end":1399.6,"sentiment":"neutral","sentiment_score":0.03781008720397949}],"sentiment":"neutral","sentiment_score":0.03781008720397949,"channel":1,"num_words":1,"start":1399.44,"end":1399.6},{"sentences":[{"text":"a","start":1399.565,"end":1399.645,"sentiment":"neutral","sentiment_score":0.03825059533119202}],"sentiment":"neutral","sentiment_score":0.03825059533119202,"channel":0,"num_words":1,"start":1399.565,"end":1399.645},{"sentences":[{"text":"has","start":1399.6,"end":1400.08,"sentiment":"neutral","sentiment_score":0.018402403220534325}],"sentiment":"neutral","sentiment_score":0.018402403220534325,"channel":1,"num_words":1,"start":1399.6,"end":1400.08},{"sentences":[{"text":"signature.","start":1399.645,"end":1400.145,"sentiment":"neutral","sentiment_score":0.045118264853954315}],"sentiment":"neutral","sentiment_score":0.045118264853954315,"channel":0,"num_words":1,"start":1399.645,"end":1400.145},{"sentences":[{"text":"it has come through just in my email.","start":1400.08,"end":1403.895,"sentiment":"neutral","sentiment_score":0.07895802333950996},{"text":"Tommy","start":1404.275,"end":1404.775,"sentiment":"neutral","sentiment_score":0.20439499616622925}],"sentiment":"neutral","sentiment_score":0.092895464764701,"channel":1,"num_words":9,"start":1400.08,"end":1404.775},{"sentences":[{"text":"Oh, perfect.","start":1405.405,"end":1406.225,"sentiment":"positive","sentiment_score":0.5094021856784821}],"sentiment":"positive","sentiment_score":0.5094021856784821,"channel":0,"num_words":2,"start":1405.405,"end":1406.225},{"sentences":[{"text":"she did request.","start":1410.275,"end":1411.255,"sentiment":"positive","sentiment_score":0.35337166984875995},{"text":"I see.","start":1411.555,"end":1412.1951,"sentiment":"neutral","sentiment_score":0.21598339080810547},{"text":"Yep.","start":1412.1951,"end":1412.6951,"sentiment":"neutral","sentiment_score":0.1758301705121994}],"sentiment":"neutral","sentiment_score":0.2779853269457817,"channel":1,"num_words":6,"start":1410.275,"end":1412.6951},{"sentences":[{"text":"Yep.","start":1415.01,"end":1415.51,"sentiment":"neutral","sentiment_score":0.16705161333084106},{"text":"Now would you mind pulling that up for me and just seeing if it works okay for you?","start":1415.65,"end":1420.0701,"sentiment":"neutral","sentiment_score":0.16027973923418257}],"sentiment":"neutral","sentiment_score":0.1606361536603225,"channel":0,"num_words":19,"start":1415.01,"end":1420.0701},{"sentences":[{"text":"Yep.","start":1423.41,"end":1423.91,"sentiment":"neutral","sentiment_score":0.09940342605113985},{"text":"You can see the NetWell device.","start":1436.335,"end":1440.095,"sentiment":"neutral","sentiment_score":0.09430691227316856},{"text":"Please consent.","start":1440.095,"end":1440.9149,"sentiment":"neutral","sentiment_score":0.11733781173825264}],"sentiment":"neutral","sentiment_score":0.09999116924073961,"channel":1,"num_words":9,"start":1423.41,"end":1440.9149},{"sentences":[{"text":"Yep.","start":1442.48,"end":1442.88,"sentiment":"neutral","sentiment_score":0.1246626228094101},{"text":"And there's also one other form at the bottom there as well.","start":1442.88,"end":1446.1001,"sentiment":"neutral","sentiment_score":0.09177366551011801},{"text":"There's a tax file number opt in form.","start":1446.4,"end":1448.9,"sentiment":"neutral","sentiment_score":0.08944149781018496},{"text":"Just with the cybersecurity issues of people's data being leaked last year across the country, we just wanna","start":1449.735,"end":1456.135,"sentiment":"neutral","sentiment_score":0.07396815779308479}],"sentiment":"neutral","sentiment_score":0.08392065209455979,"channel":0,"num_words":39,"start":1442.48,"end":1456.135},{"sentences":[{"text":"Yep.","start":1455.855,"end":1456.355,"sentiment":"neutral","sentiment_score":0.13888919353485107}],"sentiment":"neutral","sentiment_score":0.13888919353485107,"channel":1,"num_words":1,"start":1455.855,"end":1456.355},{"sentences":[{"text":"make sure that we keep tax file numbers on one document instead of a a dozen different digital systems.","start":1456.135,"end":1461.355,"sentiment":"neutral","sentiment_score":0.12896053591056875},{"text":"So I just wanna make sure that we can get your consent to, of course, utilize that number for your applications and so on.","start":1461.495,"end":1467.89,"sentiment":"neutral","sentiment_score":0.168911412358284}],"sentiment":"neutral","sentiment_score":0.15125869950929352,"channel":0,"num_words":43,"start":1456.135,"end":1467.89},{"sentences":[{"text":"Yeah.","start":1469.775,"end":1469.9349,"sentiment":"neutral","sentiment_score":0.11961027979850768},{"text":"Yeah.","start":1469.9349,"end":1470.095,"sentiment":"neutral","sentiment_score":0.14955396950244904},{"text":"That's no problem.","start":1470.095,"end":1471.05,"sentiment":"neutral","sentiment_score":0.25594137112299603},{"text":"Do do you need me to sign this now?","start":1480.81,"end":1482.75,"sentiment":"neutral","sentiment_score":0.07513067457411024}],"sentiment":"neutral","sentiment_score":0.12236888813120979,"channel":1,"num_words":14,"start":1469.775,"end":1482.75},{"sentences":[{"text":"Oh, you don't have to sign it now.","start":1483.865,"end":1485.1449,"sentiment":"neutral","sentiment_score":0.08936798386275768},{"text":"I just wanted to see if it came through okay.","start":1485.1449,"end":1487.07,"sentiment":"neutral","sentiment_score":0.17561228349804878},{"text":"If you wanna give that a bit of a read, mate, I'll check it tomorrow.","start":1487.07,"end":1490.5099,"sentiment":"neutral","sentiment_score":0.15304982562859853},{"text":"And if we need to, we'll just give you a buzz","start":1490.5099,"end":1492.35,"sentiment":"neutral","sentiment_score":0.12070297382094643}],"sentiment":"neutral","sentiment_score":0.13851242732595315,"channel":0,"num_words":44,"start":1483.865,"end":1492.35},{"sentences":[{"text":"Yep.","start":1492.345,"end":1492.845,"sentiment":"neutral","sentiment_score":0.09855465590953828}],"sentiment":"neutral","sentiment_score":0.09855465590953828,"channel":1,"num_words":1,"start":1492.345,"end":1492.845},{"sentences":[{"text":"next week.","start":1492.35,"end":1493.1699,"sentiment":"neutral","sentiment_score":0.08203668519854546}],"sentiment":"neutral","sentiment_score":0.08203668519854546,"channel":0,"num_words":2,"start":1492.35,"end":1493.1699},{"sentences":[{"text":"Alright.","start":1493.705,"end":1494.205,"sentiment":"positive","sentiment_score":0.39220064878463745}],"sentiment":"positive","sentiment_score":0.39220064878463745,"channel":1,"num_words":1,"start":1493.705,"end":1494.205},{"sentences":[{"text":"Amazing.","start":1495.7899,"end":1496.2899,"sentiment":"positive","sentiment_score":0.6234121322631836},{"text":"Alright, Jeff.","start":1496.5099,"end":1497.07,"sentiment":"neutral","sentiment_score":0.14937239792197943},{"text":"Mate, I do appreciate you taking the time and going through all the details with me again and just make sure that everything on system is perfectly up to date.","start":1497.07,"end":1504.125,"sentiment":"positive","sentiment_score":0.7067516565322876},{"text":"Anything else for me before I let you go?","start":1504.505,"end":1506.525,"sentiment":"neutral","sentiment_score":0.2289429936144087}],"sentiment":"positive","sentiment_score":0.5758379420620345,"channel":0,"num_words":42,"start":1495.7899,"end":1506.525},{"sentences":[{"text":"No.","start":1507.08,"end":1507.3999,"sentiment":"neutral","sentiment_score":-0.095948725938797},{"text":"All good.","start":1507.3999,"end":1507.72,"sentiment":"neutral","sentiment_score":0.300155445933342},{"text":"Thank you.","start":1507.72,"end":1508.235,"sentiment":"positive","sentiment_score":0.5611023902893066}],"sentiment":"neutral","sentiment_score":0.32531338930130005,"channel":1,"num_words":5,"start":1507.08,"end":1508.235},{"sentences":[{"text":"Awesome.","start":1509.545,"end":1510.025,"sentiment":"positive","sentiment_score":0.7485823631286621},{"text":"We'll give you a call in a couple of weeks to book back in with me.","start":1510.025,"end":1512.985,"sentiment":"positive","sentiment_score":0.41881717275828123},{"text":"I'll do all the research and documentation in the background.","start":1512.985,"end":1515.885,"sentiment":"positive","sentiment_score":0.34531480371952056},{"text":"And, again, I'll let the team know to give you a text ahead of time.","start":1516.2799,"end":1519.26,"sentiment":"neutral","sentiment_score":0.31147224406401314},{"text":"Thanks, mate.","start":1521.7999,"end":1522.2799,"sentiment":"positive","sentiment_score":0.7578969299793243}],"sentiment":"positive","sentiment_score":0.3884246064858003,"channel":0,"num_words":44,"start":1509.545,"end":1522.2799},{"sentences":[{"text":"You have a fantastic day, and we'll talk to you in a couple of weeks.","start":1522.2799,"end":1524.6,"sentiment":"positive","sentiment_score":0.7225705921649933},{"text":"Thanks, Jeff.","start":1524.6,"end":1528.44,"sentiment":"positive","sentiment_score":0.7009045481681824},{"text":"Bye.","start":1528.44,"end":1528.94,"sentiment":"neutral","sentiment_score":-0.1204197108745575}],"sentiment":"positive","sentiment_score":0.673330459329817,"channel":0,"num_words":18,"start":1522.2799,"end":1528.94}]},"summary":{"result":"success","short":"A senior adviser from a company called the customer, Tommy, discusses reducing risk levels for retirement plans due to the pandemic and suggests reducing risk levels for a potential customer. The customer provides information about their home and savings accounts, and the agent suggests reducing risk levels by 1.5 points and putting the customer back at a level of around 75-60%. The agent also discusses the process for transferring funds and updating the customer's financial goals, and reminds them to check their tax file numbers and provide consent for their use of the digital phone system. The agent will follow up with the customer in a couple of weeks to ensure everything is up to date."},"intents":{"segments":[{"text":"Now I'm gonna shoot through an annual review pack to your email. Do you mind if I just quickly confirm security with you? Yeah. Yeah.","start_word":53,"end_word":77,"intents":[{"intent":"Confirm security","confidence_score":0.45702606}]},{"text":"Will you be able to look on to this email with me today, or do you want me to just kind of walk you through what documents are coming through?","start_word":148,"end_word":177,"intents":[{"intent":"Check documents","confidence_score":0.06317624}]},{"text":"So what's gonna pop through is you've got an updated performance report for your Netwealth Super Yep. as well as a financial services guide because we update, like, our licensing details every year, Yep. complaints, procedure, privacy policy, and so on. It also includes an updated service agreement as well if you're still happy with the services at the end of the review, Okay.","start_word":191,"end_word":254,"intents":[{"intent":"Update service agreement","confidence_score":0.006936188}]},{"text":"So normally, what would happen is if we go through a review and we wanna update your portfolio, we probably have a bit of a chat and go through another statement of advice and just show you what we're looking to change. But this one, we were just worried about it being quite a lot more volatile than all the other Australian shares options. So that one was dropping about 14%, which was pretty heavy. We Okay.","start_word":530,"end_word":606,"intents":[{"intent":"Provide portfolio update","confidence_score":0.0024892255}]},{"text":"Now when I'm looking at it, though, because you've got about 20% sorry, 25% in fixed interest, which is kind of like your term deposits, your safer investment, and the rest of it is split between, like, shares, property, gold, and infrastructure. There's your growth assets. So it's kind of a seventy five twenty five split. Does that make sense? Yep.","start_word":699,"end_word":759,"intents":[{"intent":"Clarify investment structure","confidence_score":0.0006956605}]},{"text":"it I'm to fund? just hoping, you know, if it can go up, you know, 12% a year for the next five or six years, that'd probably give me enough to retire on with a pension type of Yeah.","start_word":1061,"end_word":1099,"intents":[{"intent":"Fund super","confidence_score":0.0028835887}]},{"text":"So your current risk level, I would describe it as like a three and a half out of five. It's a little bit above medium risk. Right.","start_word":1136,"end_word":1162,"intents":[{"intent":"Reduce risk level","confidence_score":0.26644823}]},{"text":"If this situation turns into a really big crash, you could be sitting there at 65,000 next year and then Yeah.","start_word":1290,"end_word":1310,"intents":[{"intent":"Plan for crash","confidence_score":0.01685215}]},{"text":"I would basically update your portfolio to be a bit more conservative. We would then set up your pension account, do a little withdrawal, and then you just have to put it back in again via, like, a BPAY or EFT, and Yep. we would handle all the rest in the background. Alright.","start_word":2338,"end_word":2390,"intents":[{"intent":"Recommend portfolio changes","confidence_score":0.00068023306}]},{"text":"I'll definitely crunch some numbers and sort of see how it would be best to do that and go through that updated advice document with you in a few weeks' time just to show you what I'm changing with the investments and also how to go about doing that, and we'll pretty much hold your hand along the whole whole time.","start_word":2430,"end_word":2490,"intents":[{"intent":"Evaluate retirement options","confidence_score":0.008453195}]},{"text":"can also potentially click on, like, a TBD status on the super, and that'll give you, like, a tax free up to list to convert your funds as well.","start_word":2742,"end_word":2770,"intents":[{"intent":"Check will status","confidence_score":0.00013980397},{"intent":"Give tax free list","confidence_score":0.0009878336}]},{"text":"wanted to run No. it by you if that's No.","start_word":2854,"end_word":2863,"intents":[{"intent":"Run pension","confidence_score":0.1811122}]},{"text":"Haven't changed address. Haven't changed family status.","start_word":2901,"end_word":2907,"intents":[{"intent":"Update address","confidence_score":0.8408228},{"intent":"Update address","confidence_score":0.5773492}]},{"text":"And when it comes to the will, I I know it might be a bit hard to think back several years, but do you know if you have, like, a power of attorney put in place if you remember what that does?","start_word":2975,"end_word":3016,"intents":[{"intent":"Ask about power of attorney","confidence_score":0.003874621}]},{"text":"Someone can talk to the doctors on your behalf and also, Yep.","start_word":3055,"end_word":3066,"intents":[{"intent":"Communicate to doctors","confidence_score":0.0016850543}]},{"text":"So I would just kind of suggest if you're gonna update the will, maybe see if you can get one of those added on. And look, Yes.","start_word":3114,"end_word":3140,"intents":[{"intent":"Suggest update","confidence_score":0.04305752}]},{"text":"Or if you go to, like, your lawyer, take the will, there's heaps of different options there. Alright. Cool.","start_word":3166,"end_word":3184,"intents":[{"intent":"Suggest options","confidence_score":0.1490076}]},{"text":"So that's pretty much it for most of that. Any questions so far?","start_word":3185,"end_word":3197,"intents":[{"intent":"Provide information","confidence_score":0.0028531896}]},{"text":"Goals wise, I think you were looking to go on a bit of a cruise at some point. I don't know if that was Yeah.","start_word":3225,"end_word":3249,"intents":[{"intent":"Clarify goals","confidence_score":0.019098012},{"intent":"Call for cruise","confidence_score":0.000092016984}]},{"text":"I'll just leave that role as it is. Yep. Yeah.","start_word":3328,"end_word":3337,"intents":[{"intent":"Confirm role","confidence_score":0.033693235}]},{"text":"I think the interest rates are up higher now. Okay.","start_word":3347,"end_word":3356,"intents":[{"intent":"Inquire about interest rates","confidence_score":0.010339912}]},{"text":"I did wanna double check if you, of course, still comfortable to remain a client about you. Yes. For sure.","start_word":3420,"end_word":3439,"intents":[{"intent":"Check client comfort and quote fees","confidence_score":0.00003615}]},{"text":"Just just one when you call me back regarding taking the money out and put it back in, will it be on this number?","start_word":3489,"end_word":3512,"intents":[{"intent":"Update contact information","confidence_score":0.5385607}]},{"text":"If it helps at all, I can always send you a bit of a text message before any calls. Just give you a heads up. That'll be us calling if yep. that helps.","start_word":3629,"end_word":3661,"intents":[{"intent":"Assist with texting","confidence_score":0.00031166055}]},{"text":"That way I'd know if you guys and other other than that, if you if you do ring and I don't answer it, just leave a message because most of the electricity companies that are trying to talk here don't leave a message anyway sort of thing. You know?","start_word":3668,"end_word":3716,"intents":[{"intent":"Inform about upcoming calls","confidence_score":0.0018487131}]},{"text":"So just have a bit of a check on both. And when you go in there, if you have any trouble with the system, just give the team a call. They can walk you through it. But it tends to do, like, an automatic stamp signature, Or you can, like, click on it with your finger and and draw It a has signature. it has come through just in my email. Tommy Oh, perfect.","start_word":3815,"end_word":3888,"intents":[{"intent":"Check system","confidence_score":0.09036079}]},{"text":"Now would you mind pulling that up for me and just seeing if it works okay for you? Yep.","start_word":3896,"end_word":3914,"intents":[{"intent":"Pull up","confidence_score":0.073705345}]},{"text":"You can see the NetWell device. Please consent. Yep.","start_word":3915,"end_word":3923,"intents":[{"intent":"Get consent","confidence_score":0.33168626}]},{"text":"If you wanna give that a bit of a read, mate, I'll check it tomorrow. And if we need to, we'll just give you a buzz Yep. next week.","start_word":4038,"end_word":4066,"intents":[{"intent":"Give buzz","confidence_score":0.055291105}]}]},"sentiments":{"segments":[{"text":"Hello? Good evening, Jeffrey. It's Tommy here, senior adviser from. How are you going?","start_word":0,"end_word":13,"sentiment":"neutral","sentiment_score":0.19502072036266327},{"text":"Good. Thank you. How are you? I'm doing absolutely fantastic today. Thank you for asking.","start_word":14,"end_word":28,"sentiment":"positive","sentiment_score":0.6130521893501282},{"text":"Mate, I'll That's just give okay. you a call to go through this annual review with you if you still have time. Yep. Perfect. Now I'm gonna shoot through an annual review pack to your email. Do you mind if I just quickly confirm security with you? Yeah. Yeah. Sure. Perfect. So the calls are recorded for training and quality purposes. We don't have a security question on file. So could you please confirm your date of birth and address, please? 11/19/1963. Address 23 Ingle Ring, Culvera Beach, New South Wales.","start_word":29,"end_word":119,"sentiment":"neutral","sentiment_score":0.0708886981010437},{"text":"Thank you so much for that, sir.","start_word":120,"end_word":126,"sentiment":"positive","sentiment_score":0.4671437442302704},{"text":"I have your email down as jeffwilka@gmail.com. Is it okay if I shoot it through to that? Yep. That's good.","start_word":127,"end_word":146,"sentiment":"neutral","sentiment_score":0.16015557944774628},{"text":"Awesome.","start_word":147,"end_word":147,"sentiment":"positive","sentiment_score":0.4076330065727234},{"text":"Will you be able to look on to this email with me today, or do you want me to just kind of walk you through what documents are coming through? No. Just walk us through what documents are coming through. Yep. No worries. So what's gonna pop through is you've got an updated performance report for your Netwealth Super Yep. as well as a financial services guide because we update, like, our licensing details every year, Yep. complaints, procedure, privacy policy, and so on. It also includes an updated service agreement as well if you're still happy with the services at the end of the review, Okay. and I'm Yep. gonna pop that through to you now. But is there anything in particular that you're hoping to get out of this year's review? A financial gain. I was having a pretty close look at this over the last couple of weeks. And with the stock market going pretty crazy, I was a bit worried about your risk level, but Yep. you've actually the super has grown from just over 80,000 to 89,000 as of today. Okay.","start_word":148,"end_word":333,"sentiment":"neutral","sentiment_score":0.07059275358915329},{"text":"Wonderful. So it's done pretty well. Just Yep.","start_word":334,"end_word":341,"sentiment":"positive","sentiment_score":0.6314372047781944},{"text":"to quickly go over performance with you because that's one thing I wanted to just really touch on with you today, and then I'm gonna update a few details. But most of the investment options that you've been having in your portfolio, because there's about eight or nine of them that we've put together for you, they've all had pretty solid double digit growth for the year. Only some cybersecurity shares went down 3%, but mostly everything's been going up about 14 to 16%. And you possibly would have gotten an email over the last few months about a a record of advice or an ROI. Do you remember seeing that come through? I did see an email from Oakview. Yes. Yep. So just to let you know what happened there, one of the investment options was flagged company wide. You had two Australian shares options. One was BetaShares, one was Benelon. BetaShares Right. is doing fantastic, but that Benelon option, we flagged some significant underperformance the last couple of years, and we made a decision on the licensee level to replace that option across all clients. Okay. So normally, what would happen is if we go through a review and we wanna update your portfolio, we probably have a bit of a chat and go through another statement of advice and just show you what we're looking to change. But this one, we were just worried about it being quite a lot more volatile than all the other Australian shares options. So that one was dropping about 14%, which was pretty heavy. We Okay.","start_word":342,"end_word":606,"sentiment":"neutral","sentiment_score":0.03509384021162987},{"text":"pushed it out for another Australian share ETF, and it's Cool. already jumped up another 3% to kind of make that back. And so it's really, you know, that as far as I can see it, if we were to maintain the same risk level, everything's looking pretty good across the whole portfolio now.","start_word":607,"end_word":660,"sentiment":"positive","sentiment_score":0.44348108768463135},{"text":"Okay. No. That sounds Thanks. So I guess in percentage terms, because we usually compare this in percentage, good. it's been just under an 11% return after fees, and that's that 80 to 89,000.","start_word":661,"end_word":694,"sentiment":"neutral","sentiment_score":0.15937191971084652},{"text":"Cool. That's good.","start_word":695,"end_word":697,"sentiment":"positive","sentiment_score":0.7656003832817078},{"text":"Yes. Now when I'm looking at it, though, because you've got about 20% sorry, 25% in fixed interest, which is kind of like your term deposits, your safer investment, and the rest of it is split between, like, shares, property, gold, and infrastructure. There's your growth assets. So it's kind of a seventy five twenty five split. Does that make sense? Yep. Yep. I I think I that's what I've spoke to the the last folk that I spoke to about it as well. I was quite happy to have, like, would would have been around about 80% in secured sort of investments and the other 20 Yep. percent just as a, you know, high risk sort of thing. You know? Yeah. And when I look at most of these options, because they're kind of index funds, they're pretty stable across the board. Yep. They're, I guess, what you would call like a low risk version version of shares, whereas you can go for some pretty high risk versions of the same investments. Now because of the way I can see that asset allocation at the moment, if you were wanting a pretty conservative portfolio, you know, like 80% safe, 20% high risk, I would Yep. probably actually look at switching a few things around and bringing the risk. Okay. Yeah, mate. You you guys are the the experts at it. I, you know, leave that in your hands sort of thing. Yep. Yep. Now to kind of make a recommendation there, I'll definitely do a bit of an updated portfolio for you. One thing I wanted Yep. to just check was the the main purpose for the super because I can see that you were on, I guess, that, like, disability support pension with That's a bit right. of kind of cash in the Yes. bank and you've got the mortgage Yep. paid off. Is that right? That's right. Yes. Yep. So what would be, like, the main purpose for the super for the next few years for you? Is it just to get, like, a a bit of safe growth out of it and you're wanting Yeah. to Yeah. access Yeah. it I'm to fund? just hoping, you know, if it can go up, you know, 12% a year for the next five or six years, that'd probably give me enough to retire on with a pension type of Yeah. The tricky situation thing. that we've got is because of everything that's going on in the world at the moment, You the projections going forward for a lot of know? asset classes is quite far down. So your current risk level, I would describe it as like a three and a half out of five. It's a little bit above medium risk. Right. That's still aiming for around about that nine to 10% average return. But Yep. then again, usually recommended for someone who's not gonna access the food for about six or seven years. Okay. So what I'm sort of thinking is if we still want to aim for that level of return, we could possibly reduce the risk level by about, like, one one point, put you down to, like, a two and a half or a three. Yep. You That know the might sounds get you good. maybe an 8% average or 9% average. Yep. No. I could I could live with that. The one thing I was worried about is we kind of left it the way it was trying to hunt for the higher returns.","start_word":698,"end_word":1289,"sentiment":"neutral","sentiment_score":0.051222813800229014},{"text":"If this situation turns into a really big crash, you could be sitting there at 65,000 next year and then Yeah.","start_word":1290,"end_word":1310,"sentiment":"negative","sentiment_score":-0.378436803817749},{"text":"having Right. to wait five years for it to build back up. Yeah.","start_word":1311,"end_word":1323,"sentiment":"neutral","sentiment_score":-0.14173375070095062},{"text":"No. I wouldn't like to do that.","start_word":1324,"end_word":1330,"sentiment":"negative","sentiment_score":-0.47412192821502686},{"text":"Yes. It doesn't sound like it'd be a fun ride for you, especially just No. given And let's say when you're with looking the the to way access the world it. is at the moment, you know, you you just don't know what's gonna Yeah. So usually when we get closer to retirement, we slowly reduce happen. it down every year or two. So Yep. from that 75% down to about seventy, sixty, fifty, forty. So if you want to go middle of the road, I can drop it from 75 to 70%. Or if you want to go a little bit safer, I can drop it to 60. Just want to kind of gauge your thoughts. Yep. No. Probably 70. 70 would be a good Yep. Stepping So go stones just sort a of tiny thing, and bit we can more growth focus. Yep. I yeah. think so. K.","start_word":1331,"end_word":1480,"sentiment":"neutral","sentiment_score":0.01820407211780548},{"text":"That's perfect. I can do that.","start_word":1481,"end_word":1486,"sentiment":"positive","sentiment_score":0.5516663789749146},{"text":"No worries at all. Just in terms of those assets, I think we had the home valued at about 1,000,000 flat with nothing owing on it and about 140 in a high interest savings account. That's right. Yes. Yep.","start_word":1487,"end_word":1525,"sentiment":"neutral","sentiment_score":0.11078792065382004},{"text":"Cool. So all that's still stable there.","start_word":1526,"end_word":1532,"sentiment":"positive","sentiment_score":0.3614722788333893},{"text":"You're just kind of living off the pension at the moment, not dipping into the capital. Yeah. No. I I've just I've I've got a I think it's about a 140 invested, and I've I've got well, I had about 10,000 in my savings account, which I use along with my pension. I mean, that's gone down a couple of thousand this year just to buying a a second car and a few few payments that sort of came out of nowhere sort of thing. But Yeah. I probably wouldn't need to sort of dip into the pension into my investment for the next couple of years, I'd hope. Yep.","start_word":1533,"end_word":1642,"sentiment":"neutral","sentiment_score":0.04200826585292816},{"text":"Perfect.","start_word":1643,"end_word":1643,"sentiment":"positive","sentiment_score":0.3802284598350525},{"text":"Perfect. So one thing I wanna double check with you then is with the 140,000 you have in savings, is that in, like, a high interest savings account or, like, a locked away term deposit? Return deposit with the Commonwealth Bank. It's I think it's at 4 percent or something like that. Yep. And is that maturing relatively soon, or is that still July, locked away until '20 I think '20 it is. '7? July, I think it yeah. '26. July. Okay.","start_word":1644,"end_word":1725,"sentiment":"neutral","sentiment_score":0.05627669266811231},{"text":"Perfect.","start_word":1726,"end_word":1726,"sentiment":"positive","sentiment_score":0.5757472515106201},{"text":"And then as far as the cars go, we had the whole Holden Colorado there at about 22,000. Is there a second vehicle in there? Yep. Yeah. I've got a little Nissan X Trail. It's only valued a couple of thousand. No. Yep. Perfect. Any other assets or loans or anything floating around? No loans. It's no. Nothing nothing to speak of sort of thing.","start_word":1727,"end_word":1791,"sentiment":"neutral","sentiment_score":0.028078623116016388},{"text":"Amazing.","start_word":1792,"end_word":1792,"sentiment":"positive","sentiment_score":0.3435499370098114},{"text":"Don't have a million dollars of crypto sitting under the pillow or anything like that. No. No. My son keeps on telling me to invest in it. But yeah. Yeah. May maybe leave that for the person who can stand to wait twenty years for it to go up if it crashes 90%, that Yeah. kind of thing. Yep.","start_word":1793,"end_word":1851,"sentiment":"neutral","sentiment_score":-0.10125207155942915},{"text":"Perfect.","start_word":1852,"end_word":1852,"sentiment":"positive","sentiment_score":0.381106436252594},{"text":"I had a couple of last thoughts when it came to the super there, and then I'm just gonna double check a couple of other detail. But your super is currently in, like, an accumulation account where it's still in the super space. It's not technically in a pension account yet because you're not drawing down, if that makes sense. Yep. Now I was looking at your, like, estate planning, and we had Carly and William listed as your beneficiaries for the super. That's right. Yeah. Just as I'm Yes. but are they, like, partner, adult children? What's their Children. relation? They're they're my children. Perfect. And they're all over 18? Yep. So the only other thoughts I had was two things, and Yes. these are not necessities. It's just ideas here. Is Yep. if you put your super into a pension account, all of the earnings that it grows for the interest, it all turns into tax free instead of Okay. the usual 15% concessional rate. What it does, however, Okay. is once you convert it into a pension account, you have to draw down a minimum of 4% out of the super account. So it would be, I guess, the optimal scenario would be if we put it pretty much all in a pension account to increase the earnings tax free.","start_word":1853,"end_word":2075,"sentiment":"neutral","sentiment_score":0.04874215914446008},{"text":"You would have Yep. a little bit coming out. And if you didn't need to use the funds, we could actually recontribute it back in and kind of just recycle it a little bit. And that also means that anything that we put back in goes in as non concessional, which means it's tax free for your beneficiaries.","start_word":2076,"end_word":2133,"sentiment":"positive","sentiment_score":0.3695572316646576},{"text":"They wouldn't pay that kind of 15% tax or 17% when they received it. Okay. Yeah. So That that I just sounds wanted there to we kind go. of float the idea with you. Yeah. No.","start_word":2134,"end_word":2169,"sentiment":"neutral","sentiment_score":0.12918280065059662},{"text":"I like that. I like I like the idea K.","start_word":2170,"end_word":2179,"sentiment":"positive","sentiment_score":0.5783593058586121},{"text":"One other thing of it. that I kind of wanna try to is if I'm looking in Netwealth account at the moment, just because of your state of life, it gives you a full breakdown of what your taxable component is, which is at 17% for estate purposes versus your tax free component. Now 87,000 of your 89 is sitting in taxable. So if you were to pass away tomorrow, that's the majority of the contract.","start_word":2180,"end_word":2255,"sentiment":"neutral","sentiment_score":0.07276773452758789},{"text":"Wow. We can actually do something called a cash out recontribution if you're comfortable to do this with us. And what it basically is is we could pull out, say, 80,000 and put it back in within a day or two, and that would essentially wash 90% of the funds back into a tax free portion for your children.","start_word":2256,"end_word":2314,"sentiment":"positive","sentiment_score":0.3523918688297272},{"text":"Yep. So if you're comfortable to kind of go through that ride with me, there wouldn't be too much for you to do. I would basically update your portfolio to be a bit more conservative. We would then set up your pension account, do a little withdrawal, and then you just have to put it back in again via, like, a BPAY or EFT, and Yep. we would handle all the rest in the background. Alright. Would you be comfortable to kind of I'll put that in writing so it's in plan for you, but would you be comfortable possibly doing that with us as a bit of a one off strategy? Yeah.","start_word":2315,"end_word":2427,"sentiment":"neutral","sentiment_score":0.20045661754840244},{"text":"Yep. Cool. I'll definitely crunch some numbers and sort of see how it would be best to do that and go through that updated advice document with you in a few weeks' time just to show you what I'm changing with the investments and also how to go about doing that, and we'll pretty much hold your hand along the whole whole time.","start_word":2428,"end_word":2490,"sentiment":"positive","sentiment_score":0.4509270489215851},{"text":"And the last thing I wanted to check was because you're on disability support pension, would you be essentially classed by the doctors as, say, only and permanently disabled by TBD, or is it just kind of middle ground in between? Well, I'm not too sure. What what it was is I had I had cancer going back about twenty years ago, and they had to open my back up, but I had a cancerous cord right around my spine. Look.","start_word":2491,"end_word":2571,"sentiment":"neutral","sentiment_score":-0.1188986599445343},{"text":"I couldn't work.","start_word":2572,"end_word":2574,"sentiment":"negative","sentiment_score":-0.38625451922416687},{"text":"I mean, you know, I had to had to work. I'm only good for a couple of hours a day sort of thing. Light duties, I can't lift anything too heavy and that sort of thing. So I I don't look. I don't think Yes. I'd ever be called on to go back to work. Perfect. So the I guess the last question there is when you had that situation occurring and you stopped working, what were you actually doing for work at the time? I was self employed. I had a battery business. I was wholesaling car and truck marine batteries. Yep. And you would have had to do a bit of, like, traveling around, like, travel salesman type thing? Or Yes. I was. Yeah. I was I was on the road in yep. So I guess why I'm kind of going down this route too is that because we're in this situation where I'm kind of optimizing your estate planning, a you van. Yep. can also potentially click on, like, a TBD status on the super, and that'll give you, like, a tax free up to list to convert your funds as well. It would be a lot more paperwork in terms of doctors' reports, filling out heaps of forms, and all that kind of thing, which I can pretty much achieve just by doing that repontribution with the pension I mentioned. But it Yep.","start_word":2575,"end_word":2811,"sentiment":"neutral","sentiment_score":-0.00451838209407742},{"text":"would kind of give you that last little little optimization there.","start_word":2812,"end_word":2822,"sentiment":"positive","sentiment_score":0.3486921489238739},{"text":"It would be a decent amount of work for a little gain, but it's, I guess, what I would say is the most optimal situation. So Yeah. I just Yeah. No. wanted to run No. it by you if that's No.","start_word":2823,"end_word":2863,"sentiment":"neutral","sentiment_score":0.061336930841207504},{"text":"I will give that yeah. a misfit.","start_word":2864,"end_word":2870,"sentiment":"negative","sentiment_score":-0.6528714895248413},{"text":"Yeah. Thanks. That's okay. I just had to ask the question then. Yep. Yep. No. I'm the same. So I'll leave that out, and we'll just do the pension. Pension. Haven't changed address. Haven't changed family status. And the last thing was in terms of, like, a will, you did have a will in place, so I think you were going to update at some point. It was getting a little bit old. Did you end up doing Yeah. I that? Or I had a will that I made up quite a while ago. Yeah. I I probably do need to update it. Yep. And when it comes to the will, I I know it might be a bit hard to think back several years, but do you know if you have, like, a power of attorney put in place if you remember what that does?","start_word":2871,"end_word":3016,"sentiment":"neutral","sentiment_score":-0.045537274330854416},{"text":"No.","start_word":3017,"end_word":3017,"sentiment":"negative","sentiment_score":-0.3411591649055481},{"text":"I I wouldn't have had at that point in time. Would not have had. Yeah. Yeah. And it's just one of those things that allows, like, why you're still alive. Like, let's say you're in a coma. Someone can talk to the doctors on your behalf and also, Yep. like, manage bank accounts, make sure bills are paid, things like that without having to go to court to sue for probate. So if you think that would be valuable to have someone trusted there to look after things if you were Yeah. incapacitated. Definitely. Yep. Yep. So I would just kind of suggest if you're gonna update the will, maybe see if you can get one of those added on. And look, Yes. worst I do. case scenario, you can get one of those power of attorney kits from the post office, from the government, like, 25. Yep. Or if you go to, like, your lawyer, take the will, there's heaps of different options there. Alright.","start_word":3018,"end_word":3183,"sentiment":"neutral","sentiment_score":0.0024923779047935843},{"text":"Cool. So that's pretty much it for most of that.","start_word":3184,"end_word":3193,"sentiment":"positive","sentiment_score":0.3614051043987274},{"text":"Any questions so far? And I've kind of bombarded you with a bit of technical info No. No. today. It all all sounds pretty good. Mhmm. Yeah. No. All Okay. good. Goals wise, I think you were looking to go on a bit of a cruise at some point. I don't know if that was Yeah. quite I an old I goal. thought Is that actually still current? was going to do it this year, but that got canceled. So but yeah. Maybe in the next twelve months. Yep. Done. And the last thing there is when it comes to your term deposit maturing, do you want me to factor any of those funds in to this contribution plan with the super, or would you prefer to kind of still keep them separate? No. I'll just leave that role as it is. Yep. Yeah. And just roll it on for the next year. I think the interest rates are up higher now. Okay. Yep.","start_word":3194,"end_word":3357,"sentiment":"neutral","sentiment_score":0.0155341774225235},{"text":"Perfect. Alrighty. Mate, that's pretty much everything that I had for the review so far. There's no insurances or anything, so that's great.","start_word":3358,"end_word":3380,"sentiment":"positive","sentiment_score":0.50493985414505},{"text":"And Yes. like I mentioned before, I've kind of emailed through that pack for you just to have a look at the performance and so on. And there's also, like, a a digital link through our ongoing service agreement. I did wanna double check if you, of course, still comfortable to remain a client about you. Yes. For sure.","start_word":3381,"end_word":3439,"sentiment":"neutral","sentiment_score":0.1962429739661136},{"text":"Cool.","start_word":3440,"end_word":3440,"sentiment":"positive","sentiment_score":0.4915543794631958},{"text":"So the fees haven't changed. It's still the standard, like, 1.65% split over those monthly payments throughout the year, and that always gets factored into the performance as well. So everything that I quote is after fees.","start_word":3441,"end_word":3477,"sentiment":"neutral","sentiment_score":0.2144668847322464},{"text":"Alright. Great. Cool.","start_word":3478,"end_word":3480,"sentiment":"positive","sentiment_score":0.517937421798706},{"text":"Jeff, any questions for me so far? No. Just just one when you call me back regarding taking the money out and put it back in, will it be on this number? It can be on any number you prefer. If you have a preferred contact No. number, Just I that can update. I'm I'm saving some of the I don't normally answer interstate calls, but I remember last time that the girl said, oh, it had come through on an 07 number, and I said, okay. No worries. You know? Yeah. And one of the tricky things that I'm not across with the tech is we've got, like, a main office number. And because I'm on a digital phone system, when it calls through, it may come through from Yeah. It's come through as a 0736679841. Just in Yep. Yep. That's our sort of digital phone number. If it helps at all, I can always send you a bit of a text message before any calls. Just give you a heads up. That'll be us calling if yep. that helps.","start_word":3481,"end_word":3661,"sentiment":"neutral","sentiment_score":0.020265601575374603},{"text":"So It's gonna be great.","start_word":3662,"end_word":3666,"sentiment":"positive","sentiment_score":0.4098026156425476},{"text":"Yeah. That way I'd know if you guys and other other than that, if you if you do ring and I don't answer it, just leave a message because most of the electricity companies that are trying to talk here don't leave a message anyway sort of thing. You know? Yep. We don't like doing too many double, triple rings these days, but a text beforehand and a voice message after, no worries at all. Either one. Either or either. It doesn't. Yes.","start_word":3667,"end_word":3749,"sentiment":"neutral","sentiment_score":-0.013029377290373107},{"text":"Yep. Awesome.","start_word":3750,"end_word":3751,"sentiment":"positive","sentiment_score":0.507678747177124},{"text":"Mate, with the the pack that I sent through to you, please just bear in mind that it's on our our new system called Odoo. It's kind of like a all your customer details as well as a bit of a DocuSign as well. It may go through to your spam folder in your email, or it may go through your main box. So just have a bit of a check on both. And when you go in there, if you have any trouble with the system, just give the team a call. They can walk you through it. But it tends to do, like, an automatic stamp signature, Or you can, like, click on it with your finger and and draw It a has signature. it has come through just in my email.","start_word":3752,"end_word":3885,"sentiment":"neutral","sentiment_score":0.1500326246023178},{"text":"Tommy Oh, perfect. she did request.","start_word":3886,"end_word":3891,"sentiment":"positive","sentiment_score":0.41127946972846985},{"text":"I see. Yep. Yep. Now would you mind pulling that up for me and just seeing if it works okay for you? Yep. You can see the NetWell device. Please consent. Yep. And there's also one other form at the bottom there as well. There's a tax file number opt in form. Just with the cybersecurity issues of people's data being leaked last year across the country, we just wanna Yep. make sure that we keep tax file numbers on one document instead of a a dozen different digital systems. So I just wanna make sure that we can get your consent to, of course, utilize that number for your applications and so on. Yeah. Yeah. That's no problem. Do do you need me to sign this now? Oh, you don't have to sign it now. I just wanted to see if it came through okay. If you wanna give that a bit of a read, mate, I'll check it tomorrow. And if we need to, we'll just give you a buzz Yep. next week.","start_word":3892,"end_word":4066,"sentiment":"neutral","sentiment_score":0.13106438517570496},{"text":"Alright. Amazing.","start_word":4067,"end_word":4068,"sentiment":"positive","sentiment_score":0.4846852421760559},{"text":"Alright, Jeff.","start_word":4069,"end_word":4070,"sentiment":"neutral","sentiment_score":0.3099422752857208},{"text":"Mate, I do appreciate you taking the time and going through all the details with me again and just make sure that everything on system is perfectly up to date.","start_word":4071,"end_word":4100,"sentiment":"positive","sentiment_score":0.7004415988922119},{"text":"Anything else for me before I let you go? No. All good.","start_word":4101,"end_word":4112,"sentiment":"neutral","sentiment_score":0.20417027175426483},{"text":"Thank you. Awesome. We'll give you a call in a couple of weeks to book back in with me. I'll do all the research and documentation in the background.","start_word":4113,"end_word":4141,"sentiment":"positive","sentiment_score":0.4275445342063904},{"text":"And, again, I'll let the team know to give you a text ahead of time.","start_word":4142,"end_word":4156,"sentiment":"neutral","sentiment_score":0.30419763922691345},{"text":"Thanks, mate. You have a fantastic day, and we'll talk to you in a couple of weeks. Thanks, Jeff. Bye.","start_word":4157,"end_word":4176,"sentiment":"positive","sentiment_score":0.7060174942016602}],"average":{"sentiment":"neutral","sentiment_score":0.08948922174042241}}}}