{"metadata":{"transaction_key":"deprecated","request_id":"019d8f30-c430-7513-bd49-518ecc428c6b","sha256":"307c780940160927f44d0b854e0e6bf256634d6432b1213f280cd27ab49fb968","created":"2026-04-15T03:30:36.689Z","duration":1433.808,"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":3899,"output_tokens":127},"sentiment_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4321,"output_tokens":4330},"intents_info":{"model_uuid":"80ab3179-d113-4254-bd6b-4a2f96498695","input_tokens":4321,"output_tokens":370}},"results":{"channels":[{"alternatives":[{"transcript":"Good afternoon, Richard. It's Tommy here from. How have you been? Great to hear. Great to hear. I was just giving you a call. We had you booked in today just to go through that updated chat around the contribution strategy. Do I have yourself and Moshe available today? Moshe available today? That's no worries, Richard. I can go through the details with you today, mate. I'll basically crunch some ideas and numbers with you and then kind of do a bit of a follow-up plan if that's okay. Awesome. Just for usual process, are you okay for the call to be recorded, please, sir? Awesome. I'm registered with ASIC as Adviser 1273105. Could you please confirm your date of birth and address? Amazing as always. Thank you for that. Now I'm assuming you guys were able to see the funds finally got deducted from your from the super account, the pension account. Yep. So usual process there is the 217,000 has gone off to the ATO, which is identical to what was in the letter for that option that we wanted to do, so that's perfect. The next thing that they do is the ATO is going to do their little magic in the backgrounds about the associated earnings and remove the tax and basically deposit for you guys the remainder after that's been taken out. Yep. So out of the 02/17, could be around about $2.10, $2.11 that could come out net after that. Fantastic. Are you? So if 02/17 came out and they take six out of tax, we should be left with that $2.10 to 11 approximately. Perfect. Now what I wanted to sort of walk through with you a little bit as well is the reusing the bring forward rule because we're talking about getting that back in so it can be contributed. Now that will need to do a little bit of a pension refresh, which I'm more than happy to do. Because as you know, when you put contributions in, it goes into accumulation. We hit a button on Hub twenty four, and they can refresh it all back into the pension pretty well within a couple of days of each other. And that's the easiest way to get it into super and then back into your same pension phase. I did get the email for dropping the pension payment, so thank you for organizing that. So I'm going to I've got the team sort of ready to action that and get that dropped in time, hopefully, for the next pension payment. Just depends on getting possibly something signed, but we're gonna try and action it on your account. Richard, were you wanting to use when it comes to recontributing back in, did you want me to kind of crunch the numbers to see if we should get it back into yours or Mercers, or should we just do one or the other? Do you have a preference? Correct. Yeah. Now they've increased the non concessional cap to one thirty, so that that brings forward rule gets quite large. We're talking 390,000 now. Yeah. The three 40 seven and the join. Yep. Yeah. Yeah. I'm going to have a quick I've got the account open now, and I'm just doing a quick dummy trade, and I'll let you know what that's looking like. So, again, so we're thinking 347 is retained approximately just to pay for for tax and things like that. Just gonna go to a full sell down and see what this looks like and estimate. Just bear with me for two seconds while it loads. So we've got a net this is just based on today's unit prices. It'll update after about 3PM, but we've got a a gross gain of 45,903. Now they're going the full estimate for the worst case scenario at 47% is 8,535. That's that's a worst case. 8,000. Yeah. That's just Hub twenty four does a calculation where they just estimate it at the highest rate, and they basically say if it's a full gain minus any losses and discounts and things like that, they've applied some CGT discounts. It's a net capital gain of $18.01 $5.09 and then 47% of that, 8,535. That's the possible. Yeah. Mhmm. Yep. That's following financial year in 2728. Yep. Now one thing that may be possible, and I'm just gonna say a big maybe here because I wanna be very careful with it, is if we do any kind of concessional contributions to reduce the tax, get a bit more in and reduce that, but actually do that notice of intent to claim kind of thing. Do you want me to consider that, or would it be easier just to do this two step approach? Yep. No. That's easy done. Yeah. Oh, yeah. Yeah. It should be under your your marginal rate. So because Hub twenty four's online system just assumes the worst case scenario, they do the maximum, but it's based on all it is essentially is that gain gets added for that financial year. So if we sell it now, gets added to your income split, of course, for this financial year, and then marginal rate comes off of that minus that 50% CGT discount as long as everything's been held for more than a year and so on. So, again, that's worst case. It should be a bit less than that. Possibly even less because from what I'm looking at let's just have a look at that element. So if the discount's applied, you're left over with a net capital gain of $18.01 $5.09. And then if that's split $50.50, then really $9 gets applied to each of you. No. Unless you've got some other income that's happened in the background there on top. The banks haven't given you a 20% interest rate or something as a loyalty discount, have they? Yeah. And whatever goes in there for the next couple of months once all of this, let's say, gets deposited in there from the sell down of the investment accounts, from the withdrawal of pension for the taxes, the interest that that earns for a couple of months won't be too much. It'll be a little bit, but not too much. Yeah. Yeah. They don't have you too high on that that defense pension. They're not pushing you into really high brackets, are they? K. So that was a little bit of interest with those amounts on top. Yeah. I mean, even after the tax free threshold, you basically only really save a couple of percent by doing anything concessionally because you've got the Medicare levy on top. So it's really not too worth it to try and save two or 3% to try and minimize yours. Yeah. And if it's okay with yeah. Go for it. Sort of recalculated. Yeah. No. They they tend to basically just do a bit of a a cutoff date. And once the funds are released, they do their calculation. They add that on to that tax assessment from previously. They just try and keep their calculations pretty clean. They chop a date, say estimated earnings of x, y, and z. They do their calculation, add it, chop the tax off. They don't kind of keep trying to bite back at the apple multiple times. They try and have a a bit of a chop date. And they would also kind of base it on any information given from the Superfund to them. So their team packages it all up, finalizes everything, and that's why you get those letters to kind of say, okay. It's looking like x, y, and z rather than them saying, oh, and then also we've called the super funder after this letter, and we've got more information about more interest, and they don't tend to do that. It'd be quite rude if they did. Yeah. You're right. Yeah. Thank you. One thing that I wanna sort of clarify with you too is just in terms of timing for all of this. So I'll be going away in June on paternity leave, and I can essentially put together a plan in May or July. And it's really up to you guys about timing on this. So what I mean is, do we put together a plan now for the sell down and recontribution of the investment account over the next few weeks and base it on today's figures, balances, and returns? Or because we can contribute in next financial year, do you wanna sort of see if there's a bit of a bounce back in the markets for a couple of months and do it in July, August? What would be your preference? Yeah. And one thing that may help you decide here, and this is just based on what's going on in the world at the moment, That investment account that we're looking to sell down on the January 30 was sitting at 355,000, and then that's when you had the market tumble for February and March. And so based on that drop in the markets, which is around about 10% in the stock market, went from 355,000 to $332,000. So that was about 20,000 down. And then in the last couple of weeks, it's bounced back from $3.32 to $3.47. So 20 down, 15 up. That's the kind of volatility that's happening on a fortnightly to monthly basis. So it's about, do we chop it clean over the next couple of weeks now, or do we let it kind of fluctuate and try to grow in between now when we can actually make the transaction? Yep. Yeah. Yeah. Yep. That gives me a bit of time to look at the investments as well because this plan is gonna be another sort of big plan talking about close down this account through these contributions. Once we have the amounts that you've gotten net from the tax office, we can add that in for that following financial year. What I can do because I'm gonna have to get the money into super and pension refresh it, that'll be a strategy as well to get it back into pension phase. I can use that same opportunity to review some of the investments in the pension accounts. So for example, out of the eight options that are in there, there might be one or two that we can update to be a little bit better too. We don't have to change the risk level. Just maybe switch out some fund managers if we can find a few better ones. K. K. So I'll call it a portfolio review. Would you like me to do that to both accounts, both pension accounts, and just make sure they're both up to date? Yep. And risk level wise, your pension accounts are sitting at around about just under 30% in defensive assets and about 70% in growth assets. So kind of like a a three out of five on the risk scale. Are you okay to maintain that level, keep getting those pension payments out and focusing a bit more on growth and protection, or do you wanna look at maybe making it a bit safer? It's it's a time game, unfortunately, where over a five to seven year period, it'll continue to perform pretty well. It's just that when these types of events happen, it can have that those fluctuations in the short term as long as you're not you know, market goes down 15% and you try and pull out $200,000, that sequencing risk can be really brutal. But if you're okay to just have those little pension deductions and space it out over the years, it's not too bad. K. Because we'll put together this updated plan, like, we'll obviously have another discussion. And if we need to adjust the levers on risk, we can do so. But for the time being, if you could possibly provide that final letter from the ATO and just let us know when the funds come back to you, that would be great. I'm pretty much going to research the updated portfolios, calculate the sell downs, put together that plan, and we'll have that updated chat as well. There'll be a lot of research getting done in the background for you guys, but I can basically pencil something in for early July. Now it shouldn't be too bad. I'm I'm only taking a couple of weeks off around the first two weeks of June. So I should even be back by the end of financial year, sort of transitioning back in. And if I take any leave, I'll let you know, but Savvy's there. Larissa is there. I'm there. Someone will be able to sort of walk through this plan with you. There may be one extra quick conversation I need to have at the end of this month or early May just to clarify a few details with you guys. But other than that, I pretty much have most of what I need. Awesome. Richard, any other questions so far or ideas that you would like to consider? Yep. What I might do too is I might just send you guys a bit of an email update with the tentative strategies that we're considering just so you know what they are. Again, the the plans can take a bit of time to kind of write them, build them, calculate them, but I'll give you a bit of a recap of this conversation. Awesome. Richard, did you guys receive the remediation payment okay into your account? Yep. No worries at all. And, look, thank you for raising it, of course, and was happy to investigate. I do apologize it took the time that it did to investigate, but finding that information was, I guess, it was a good outcome. Absolutely. All good. So is there anything else I can do for you before I let you go? Amazing, Richard. I will dive into it now, email you by the end of the week, and I will be in touch as soon as I can. Thank you, mate. Have a great week, and say hi to Moshe for me. Cheers, Richard. Bye.","confidence":0.9993436,"words":[{"word":"good","start":2.48,"end":2.8799999,"confidence":0.9985662,"punctuated_word":"Good","sentiment":"neutral","sentiment_score":0.16952015459537506},{"word":"afternoon","start":2.8799999,"end":3.28,"confidence":0.9984716,"punctuated_word":"afternoon,","sentiment":"neutral","sentiment_score":0.10865530371665956},{"word":"richard","start":3.28,"end":3.6,"confidence":0.99958646,"punctuated_word":"Richard.","sentiment":"neutral","sentiment_score":0.0996367335319519},{"word":"it's","start":3.6,"end":3.9199998,"confidence":0.99955153,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":-0.004054622258991003},{"word":"tommy","start":3.9199998,"end":4.24,"confidence":0.9852889,"punctuated_word":"Tommy","sentiment":"neutral","sentiment_score":-0.02452694997191429},{"word":"here","start":4.24,"end":4.4,"confidence":0.99613273,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.016821159049868584},{"word":"from","start":4.4,"end":4.9,"confidence":0.6993516,"punctuated_word":"from.","sentiment":"neutral","sentiment_score":-0.04717240482568741},{"word":"how","start":4.96,"end":5.2799997,"confidence":0.9861604,"punctuated_word":"How","sentiment":"neutral","sentiment_score":-0.010267138481140137},{"word":"have","start":5.2799997,"end":5.44,"confidence":0.99901557,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.010883156210184096},{"word":"you","start":5.44,"end":5.6,"confidence":0.9995104,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.013980429619550703},{"word":"been","start":5.6,"end":6.1,"confidence":0.996114,"punctuated_word":"been?","sentiment":"neutral","sentiment_score":0.04246574267745018},{"word":"great","start":8.559999,"end":8.72,"confidence":0.9930247,"punctuated_word":"Great","sentiment":"positive","sentiment_score":0.6623114943504333},{"word":"to","start":8.72,"end":8.88,"confidence":0.9991117,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.6245851516723633},{"word":"hear","start":8.88,"end":9.2,"confidence":0.9977739,"punctuated_word":"hear.","sentiment":"positive","sentiment_score":0.568532407283783},{"word":"great","start":9.2,"end":9.36,"confidence":0.99531084,"punctuated_word":"Great","sentiment":"positive","sentiment_score":0.586718738079071},{"word":"to","start":9.36,"end":9.5199995,"confidence":0.9993111,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5709771513938904},{"word":"hear","start":9.5199995,"end":10.0199995,"confidence":0.99960995,"punctuated_word":"hear.","sentiment":"positive","sentiment_score":0.5156518220901489},{"word":"i","start":10.16,"end":10.32,"confidence":0.614841,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23793303966522217},{"word":"was","start":10.32,"end":10.48,"confidence":0.9981846,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.2081388235092163},{"word":"just","start":10.48,"end":10.639999,"confidence":0.9991441,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.23545970022678375},{"word":"giving","start":10.639999,"end":10.96,"confidence":0.9991035,"punctuated_word":"giving","sentiment":"neutral","sentiment_score":0.24208590388298035},{"word":"you","start":10.96,"end":11.04,"confidence":0.99825746,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.17622196674346924},{"word":"a","start":11.04,"end":11.12,"confidence":0.99300694,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.16896270215511322},{"word":"call","start":11.12,"end":11.36,"confidence":0.99360067,"punctuated_word":"call.","sentiment":"neutral","sentiment_score":0.17966733872890472},{"word":"we","start":11.36,"end":11.5199995,"confidence":0.9990086,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.11886221915483476},{"word":"had","start":11.5199995,"end":11.679999,"confidence":0.9980616,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.10005097836256029},{"word":"you","start":11.679999,"end":11.92,"confidence":0.99466527,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.09824132174253464},{"word":"booked","start":11.92,"end":12.16,"confidence":0.9992699,"punctuated_word":"booked","sentiment":"neutral","sentiment_score":0.12107053399086},{"word":"in","start":12.16,"end":12.4,"confidence":0.99662006,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11175267398357391},{"word":"today","start":12.4,"end":12.799999,"confidence":0.99490935,"punctuated_word":"today","sentiment":"neutral","sentiment_score":0.12115908414125444},{"word":"just","start":12.799999,"end":13.04,"confidence":0.8240751,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.16966502368450165},{"word":"to","start":13.04,"end":13.12,"confidence":0.9612562,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1189824715256691},{"word":"go","start":13.12,"end":13.28,"confidence":0.99886984,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.1260734796524048},{"word":"through","start":13.28,"end":13.5199995,"confidence":0.9951389,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.17856815457344055},{"word":"that","start":13.5199995,"end":13.759999,"confidence":0.9915707,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21551623940467832},{"word":"updated","start":13.759999,"end":13.78,"confidence":0.9842802,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.2209293693304062},{"word":"chat","start":13.78,"end":13.799999,"confidence":0.97821265,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.18373560905456543},{"word":"around","start":13.799999,"end":13.82,"confidence":0.9149744,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.15708860754966736},{"word":"the","start":13.82,"end":13.839999,"confidence":0.6859212,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20753560960292816},{"word":"contribution","start":13.839999,"end":13.86,"confidence":0.6518508,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.14160118997097015},{"word":"strategy","start":13.86,"end":13.879999,"confidence":0.87194043,"punctuated_word":"strategy.","sentiment":"neutral","sentiment_score":0.1145421490073204},{"word":"do","start":13.879999,"end":13.9,"confidence":0.6850445,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":0.03530381992459297},{"word":"i","start":13.9,"end":13.92,"confidence":0.65655696,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04564949497580528},{"word":"have","start":13.92,"end":13.94,"confidence":0.70313305,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.03372345119714737},{"word":"yourself","start":13.94,"end":13.96,"confidence":0.756241,"punctuated_word":"yourself","sentiment":"neutral","sentiment_score":0.050756074488162994},{"word":"and","start":13.96,"end":13.98,"confidence":0.8868544,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.049316562712192535},{"word":"moshe","start":13.98,"end":14.0,"confidence":0.7586584,"punctuated_word":"Moshe","sentiment":"neutral","sentiment_score":0.051668569445610046},{"word":"available","start":14.0,"end":14.4,"confidence":0.9856396,"punctuated_word":"available","sentiment":"neutral","sentiment_score":0.030272837728261948},{"word":"today","start":14.4,"end":14.9,"confidence":0.95188457,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.06144504249095917},{"word":"moshe","start":18.105,"end":18.505001,"confidence":0.60532534,"punctuated_word":"Moshe","sentiment":"neutral","sentiment_score":0.03218158707022667},{"word":"available","start":18.505001,"end":18.905,"confidence":0.9987192,"punctuated_word":"available","sentiment":"neutral","sentiment_score":0.020657798275351524},{"word":"today","start":18.905,"end":19.405,"confidence":0.9994254,"punctuated_word":"today?","sentiment":"neutral","sentiment_score":0.06126828491687775},{"word":"that's","start":30.039999,"end":30.279999,"confidence":0.8526641,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.17283165454864502},{"word":"no","start":30.279999,"end":30.52,"confidence":0.9881344,"punctuated_word":"no","sentiment":"neutral","sentiment_score":0.16981664299964905},{"word":"worries","start":30.52,"end":30.84,"confidence":0.99888635,"punctuated_word":"worries,","sentiment":"neutral","sentiment_score":0.20347465574741364},{"word":"richard","start":30.84,"end":31.24,"confidence":0.9996998,"punctuated_word":"Richard.","sentiment":"neutral","sentiment_score":0.16923195123672485},{"word":"i","start":31.24,"end":31.32,"confidence":0.99996424,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23515595495700836},{"word":"can","start":31.32,"end":31.56,"confidence":0.9999695,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.20577962696552277},{"word":"go","start":31.56,"end":31.72,"confidence":0.9999145,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.18759968876838684},{"word":"through","start":31.72,"end":32.04,"confidence":0.9999546,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.19950330257415771},{"word":"the","start":32.04,"end":32.2,"confidence":0.99952984,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20918774604797363},{"word":"details","start":32.2,"end":32.68,"confidence":0.9998584,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.2408009022474289},{"word":"with","start":32.68,"end":32.84,"confidence":0.8392841,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.25140780210494995},{"word":"you","start":32.84,"end":33.0,"confidence":0.9988379,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.28277847170829773},{"word":"today","start":33.0,"end":33.239998,"confidence":0.99722564,"punctuated_word":"today,","sentiment":"neutral","sentiment_score":0.28058069944381714},{"word":"mate","start":33.239998,"end":33.739998,"confidence":0.9699583,"punctuated_word":"mate.","sentiment":"neutral","sentiment_score":0.2366149425506592},{"word":"i'll","start":34.36,"end":34.6,"confidence":0.89695513,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.15092597901821136},{"word":"basically","start":34.6,"end":35.1,"confidence":0.7981892,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.1389593780040741},{"word":"crunch","start":35.64,"end":35.96,"confidence":0.99467164,"punctuated_word":"crunch","sentiment":"neutral","sentiment_score":0.08961014449596405},{"word":"some","start":35.96,"end":36.2,"confidence":0.999652,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.07264740765094757},{"word":"ideas","start":36.2,"end":36.6,"confidence":0.9998926,"punctuated_word":"ideas","sentiment":"neutral","sentiment_score":0.0655292496085167},{"word":"and","start":36.6,"end":36.76,"confidence":0.99644023,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10122606158256532},{"word":"numbers","start":36.76,"end":37.079998,"confidence":0.99997485,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":0.11450864374637604},{"word":"with","start":37.079998,"end":37.32,"confidence":0.99996865,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.11412708461284636},{"word":"you","start":37.32,"end":37.559998,"confidence":0.9999757,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.14098963141441345},{"word":"and","start":37.559998,"end":37.8,"confidence":0.862708,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10150201618671416},{"word":"then","start":37.8,"end":38.04,"confidence":0.9999341,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10307221114635468},{"word":"kind","start":38.04,"end":38.28,"confidence":0.99669564,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.08986371010541916},{"word":"of","start":38.28,"end":38.44,"confidence":0.99985564,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1185705065727234},{"word":"do","start":38.44,"end":38.6,"confidence":0.99976736,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.09286973625421524},{"word":"a","start":38.6,"end":38.68,"confidence":0.99965084,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13008426129817963},{"word":"bit","start":38.68,"end":38.84,"confidence":0.99985826,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.10544800758361816},{"word":"of","start":38.84,"end":39.0,"confidence":0.9999275,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13091915845870972},{"word":"a","start":39.0,"end":39.16,"confidence":0.9994893,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13386890292167664},{"word":"follow-up","start":39.16,"end":39.48,"confidence":0.9999223,"punctuated_word":"follow-up","sentiment":"neutral","sentiment_score":0.100731760263443},{"word":"plan","start":39.48,"end":39.72,"confidence":0.99919194,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.1148938089609146},{"word":"if","start":39.72,"end":39.96,"confidence":0.51848847,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12476907670497894},{"word":"that's","start":39.96,"end":40.199997,"confidence":0.999976,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.08728104829788208},{"word":"okay","start":40.199997,"end":40.699997,"confidence":0.8550768,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.08155845105648041},{"word":"awesome","start":42.245,"end":42.745,"confidence":0.9945773,"punctuated_word":"Awesome.","sentiment":"neutral","sentiment_score":0.291310578584671},{"word":"just","start":43.364998,"end":43.684998,"confidence":0.51014507,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.1759585291147232},{"word":"for","start":43.684998,"end":44.164997,"confidence":0.9994518,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13977862894535065},{"word":"usual","start":44.164997,"end":44.565,"confidence":0.999062,"punctuated_word":"usual","sentiment":"neutral","sentiment_score":0.1609361469745636},{"word":"process","start":44.565,"end":45.045,"confidence":0.9927123,"punctuated_word":"process,","sentiment":"neutral","sentiment_score":0.16237762570381165},{"word":"are","start":45.045,"end":45.285,"confidence":0.99908257,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.11322501301765442},{"word":"you","start":45.285,"end":45.445,"confidence":0.9999409,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08598971366882324},{"word":"okay","start":45.445,"end":45.684998,"confidence":0.9998822,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.08135970681905746},{"word":"for","start":45.684998,"end":45.765,"confidence":0.9996055,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09521221369504929},{"word":"the","start":45.765,"end":45.925,"confidence":0.99985933,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10211265087127686},{"word":"call","start":45.925,"end":46.085,"confidence":0.9886736,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.0930616408586502},{"word":"to","start":46.085,"end":46.245,"confidence":0.9991596,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09975992888212204},{"word":"be","start":46.245,"end":46.405,"confidence":0.9997515,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.0955907106399536},{"word":"recorded","start":46.405,"end":46.885,"confidence":0.9816091,"punctuated_word":"recorded,","sentiment":"neutral","sentiment_score":0.11837349086999892},{"word":"please","start":46.885,"end":47.045,"confidence":0.9979385,"punctuated_word":"please,","sentiment":"neutral","sentiment_score":0.132185697555542},{"word":"sir","start":47.045,"end":47.545,"confidence":0.9998064,"punctuated_word":"sir?","sentiment":"neutral","sentiment_score":0.13273639976978302},{"word":"awesome","start":48.725,"end":49.225,"confidence":0.99958616,"punctuated_word":"Awesome.","sentiment":"neutral","sentiment_score":0.20166802406311035},{"word":"i'm","start":49.684998,"end":49.844997,"confidence":0.97722125,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.10879150032997131},{"word":"registered","start":49.844997,"end":50.245,"confidence":0.9973519,"punctuated_word":"registered","sentiment":"neutral","sentiment_score":0.13654379546642303},{"word":"with","start":50.245,"end":50.485,"confidence":0.99784064,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14184312522411346},{"word":"asic","start":50.485,"end":50.805,"confidence":0.6979169,"punctuated_word":"ASIC","sentiment":"neutral","sentiment_score":0.13106003403663635},{"word":"as","start":50.805,"end":50.964996,"confidence":0.97145057,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.1217462569475174},{"word":"adviser","start":50.964996,"end":51.445,"confidence":0.95773476,"punctuated_word":"Adviser","sentiment":"neutral","sentiment_score":0.12120746076107024},{"word":"1273105","start":51.445,"end":53.364998,"confidence":0.99363387,"punctuated_word":"1273105.","sentiment":"neutral","sentiment_score":0.13867956399917605},{"word":"could","start":53.364998,"end":53.605,"confidence":0.9990355,"punctuated_word":"Could","sentiment":"neutral","sentiment_score":0.06390484422445297},{"word":"you","start":53.605,"end":53.765,"confidence":0.9999552,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.05522849410772323},{"word":"please","start":53.765,"end":54.085,"confidence":0.9999113,"punctuated_word":"please","sentiment":"neutral","sentiment_score":0.05946094170212746},{"word":"confirm","start":54.085,"end":54.565,"confidence":0.99979275,"punctuated_word":"confirm","sentiment":"neutral","sentiment_score":0.06923641264438629},{"word":"your","start":54.565,"end":54.885,"confidence":0.99977034,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.04633210226893425},{"word":"date","start":54.885,"end":55.045,"confidence":0.9999566,"punctuated_word":"date","sentiment":"neutral","sentiment_score":0.05732414871454239},{"word":"of","start":55.045,"end":55.125,"confidence":0.999087,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05696579068899155},{"word":"birth","start":55.125,"end":55.364998,"confidence":0.9999901,"punctuated_word":"birth","sentiment":"neutral","sentiment_score":0.05124446004629135},{"word":"and","start":55.364998,"end":55.524998,"confidence":0.9996643,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06509685516357422},{"word":"address","start":55.524998,"end":56.024998,"confidence":0.9993402,"punctuated_word":"address?","sentiment":"neutral","sentiment_score":0.056137144565582275},{"word":"amazing","start":66.0,"end":66.479996,"confidence":0.9970515,"punctuated_word":"Amazing","sentiment":"positive","sentiment_score":0.5453317165374756},{"word":"as","start":66.479996,"end":66.64,"confidence":0.87854034,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.5276649594306946},{"word":"always","start":66.64,"end":67.04,"confidence":0.99836105,"punctuated_word":"always.","sentiment":"positive","sentiment_score":0.5250179171562195},{"word":"thank","start":67.04,"end":67.2,"confidence":0.99990165,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5944558382034302},{"word":"you","start":67.2,"end":67.44,"confidence":0.999928,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5852656960487366},{"word":"for","start":67.44,"end":67.6,"confidence":0.99991894,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5782802104949951},{"word":"that","start":67.6,"end":68.1,"confidence":0.9999606,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.4868929386138916},{"word":"now","start":68.56,"end":69.06,"confidence":0.99963796,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.22329160571098328},{"word":"i'm","start":69.365005,"end":69.605,"confidence":0.99989796,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.12149205058813096},{"word":"assuming","start":69.605,"end":70.005005,"confidence":0.9999567,"punctuated_word":"assuming","sentiment":"neutral","sentiment_score":0.0977553129196167},{"word":"you","start":70.005005,"end":70.165,"confidence":0.99958056,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06305132061243057},{"word":"guys","start":70.165,"end":70.40501,"confidence":0.9999273,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.0668710321187973},{"word":"were","start":70.40501,"end":70.565,"confidence":0.9986218,"punctuated_word":"were","sentiment":"neutral","sentiment_score":0.07121099531650543},{"word":"able","start":70.565,"end":70.965004,"confidence":0.9999509,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.07949075102806091},{"word":"to","start":70.965004,"end":71.205,"confidence":0.9993774,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.09430494904518127},{"word":"see","start":71.205,"end":71.605,"confidence":0.9999541,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.1368311643600464},{"word":"the","start":71.605,"end":72.105,"confidence":0.97283983,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11979568004608154},{"word":"funds","start":72.40501,"end":72.805,"confidence":0.62620187,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":0.11803704500198364},{"word":"finally","start":72.805,"end":73.125,"confidence":0.9972867,"punctuated_word":"finally","sentiment":"neutral","sentiment_score":0.10378803312778472},{"word":"got","start":73.125,"end":73.285,"confidence":0.9993882,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.12654519081115723},{"word":"deducted","start":73.285,"end":73.785,"confidence":0.9998939,"punctuated_word":"deducted","sentiment":"neutral","sentiment_score":0.1320096254348755},{"word":"from","start":73.845,"end":74.005005,"confidence":0.99953425,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.08231426775455475},{"word":"your","start":74.005005,"end":74.165,"confidence":0.9991923,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.08997760713100433},{"word":"from","start":74.40501,"end":74.805,"confidence":0.99985003,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0910206139087677},{"word":"the","start":74.805,"end":75.205,"confidence":0.99971753,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11810989677906036},{"word":"super","start":75.205,"end":75.525,"confidence":0.9765871,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.1393025815486908},{"word":"account","start":75.525,"end":75.845,"confidence":0.8666089,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.10074619948863985},{"word":"the","start":75.845,"end":76.005005,"confidence":0.999785,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1253778636455536},{"word":"pension","start":76.005005,"end":76.325005,"confidence":0.99989223,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.09543292224407196},{"word":"account","start":76.325005,"end":76.825005,"confidence":0.8891983,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.058172523975372314},{"word":"yep","start":79.525,"end":80.025,"confidence":0.96865815,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.06918573379516602},{"word":"so","start":80.165,"end":80.665,"confidence":0.99859065,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0678911879658699},{"word":"usual","start":80.885,"end":81.365005,"confidence":0.99865437,"punctuated_word":"usual","sentiment":"neutral","sentiment_score":0.06895743310451508},{"word":"process","start":81.365005,"end":81.845,"confidence":0.9998778,"punctuated_word":"process","sentiment":"neutral","sentiment_score":0.07483826577663422},{"word":"there","start":81.845,"end":82.325005,"confidence":0.99413836,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.06131048873066902},{"word":"is","start":82.325005,"end":82.645004,"confidence":0.99551845,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.05964360386133194},{"word":"the","start":82.645004,"end":83.01,"confidence":0.99545634,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05807093903422356},{"word":"217,000","start":83.25,"end":84.87,"confidence":0.9943159,"punctuated_word":"217,000","sentiment":"neutral","sentiment_score":0.04930437356233597},{"word":"has","start":84.93,"end":85.43,"confidence":0.9965256,"punctuated_word":"has","sentiment":"neutral","sentiment_score":0.05235593020915985},{"word":"gone","start":85.57,"end":85.89,"confidence":0.947891,"punctuated_word":"gone","sentiment":"neutral","sentiment_score":0.05124941840767861},{"word":"off","start":85.89,"end":86.130005,"confidence":0.99972683,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.048977646976709366},{"word":"to","start":86.130005,"end":86.37,"confidence":0.99946386,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0483422689139843},{"word":"the","start":86.37,"end":86.53,"confidence":0.9991067,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.05586628615856171},{"word":"ato","start":86.53,"end":87.03,"confidence":0.98143834,"punctuated_word":"ATO,","sentiment":"neutral","sentiment_score":0.05422857031226158},{"word":"which","start":87.57,"end":87.89,"confidence":0.9999031,"punctuated_word":"which","sentiment":"neutral","sentiment_score":0.0785863846540451},{"word":"is","start":87.89,"end":88.39,"confidence":0.9998914,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.11456061154603958},{"word":"identical","start":88.450005,"end":88.950005,"confidence":0.9998939,"punctuated_word":"identical","sentiment":"neutral","sentiment_score":0.08217194676399231},{"word":"to","start":89.090004,"end":89.25,"confidence":0.99980825,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1428147852420807},{"word":"what","start":89.25,"end":89.490005,"confidence":0.99996006,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.15280017256736755},{"word":"was","start":89.490005,"end":89.73,"confidence":0.9999162,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.08575104176998138},{"word":"in","start":89.73,"end":89.89,"confidence":0.99987817,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.14643219113349917},{"word":"the","start":89.89,"end":90.130005,"confidence":0.99970406,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18285733461380005},{"word":"letter","start":90.130005,"end":90.630005,"confidence":0.9993849,"punctuated_word":"letter","sentiment":"neutral","sentiment_score":0.11383670568466188},{"word":"for","start":90.770004,"end":90.93,"confidence":0.9989561,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.15071803331375122},{"word":"that","start":90.93,"end":91.17,"confidence":0.9994024,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18462222814559937},{"word":"option","start":91.17,"end":91.41,"confidence":0.9998778,"punctuated_word":"option","sentiment":"neutral","sentiment_score":0.13359588384628296},{"word":"that","start":91.41,"end":91.57,"confidence":0.9997594,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1869894564151764},{"word":"we","start":91.57,"end":91.73,"confidence":0.99988127,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.2036944329738617},{"word":"wanted","start":91.73,"end":92.05,"confidence":0.9998512,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.18575933575630188},{"word":"to","start":92.05,"end":92.130005,"confidence":0.99976367,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.17821644246578217},{"word":"do","start":92.130005,"end":92.37,"confidence":0.75548625,"punctuated_word":"do,","sentiment":"neutral","sentiment_score":0.19471822679042816},{"word":"so","start":92.37,"end":92.53,"confidence":0.9998024,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.29136598110198975},{"word":"that's","start":92.53,"end":92.850006,"confidence":0.9999596,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.33549436926841736},{"word":"perfect","start":92.850006,"end":93.350006,"confidence":0.9999293,"punctuated_word":"perfect.","sentiment":"neutral","sentiment_score":0.3024856448173523},{"word":"the","start":94.05,"end":94.55,"confidence":0.998787,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.04157283157110214},{"word":"next","start":94.61,"end":94.93,"confidence":0.9998882,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.03867877274751663},{"word":"thing","start":94.93,"end":95.17,"confidence":0.9997656,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.045493416488170624},{"word":"that","start":95.17,"end":95.33,"confidence":0.9997569,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04429500550031662},{"word":"they","start":95.33,"end":95.57,"confidence":0.99978954,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.027749650180339813},{"word":"do","start":95.57,"end":96.045,"confidence":0.9980014,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.046353209763765335},{"word":"is","start":96.125,"end":96.365,"confidence":0.99989605,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.027828648686408997},{"word":"the","start":96.365,"end":96.525,"confidence":0.9855633,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.020824961364269257},{"word":"ato","start":96.525,"end":97.025,"confidence":0.99925315,"punctuated_word":"ATO","sentiment":"neutral","sentiment_score":0.01759243570268154},{"word":"is","start":97.085,"end":97.325,"confidence":0.99978334,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.021995391696691513},{"word":"going","start":97.325,"end":97.564995,"confidence":0.9998361,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.048215169459581375},{"word":"to","start":97.564995,"end":97.645,"confidence":0.9997632,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02712583914399147},{"word":"do","start":97.645,"end":97.805,"confidence":0.9998118,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.012992702424526216},{"word":"their","start":97.805,"end":98.045,"confidence":0.7274514,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.003725633025169373},{"word":"little","start":98.045,"end":98.284996,"confidence":0.99984,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.04070603847503662},{"word":"magic","start":98.284996,"end":98.604996,"confidence":0.9997147,"punctuated_word":"magic","sentiment":"neutral","sentiment_score":0.05610838532447815},{"word":"in","start":98.604996,"end":98.685,"confidence":0.99971,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0453135222196579},{"word":"the","start":98.685,"end":98.924995,"confidence":0.9997471,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.034595418721437454},{"word":"backgrounds","start":98.924995,"end":99.424995,"confidence":0.85025716,"punctuated_word":"backgrounds","sentiment":"neutral","sentiment_score":0.012135893106460571},{"word":"about","start":99.805,"end":100.045,"confidence":0.9958158,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.004286371171474457},{"word":"the","start":100.045,"end":100.284996,"confidence":0.9999213,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.012773197144269943},{"word":"associated","start":100.284996,"end":100.784996,"confidence":0.99942195,"punctuated_word":"associated","sentiment":"neutral","sentiment_score":0.022489171475172043},{"word":"earnings","start":101.005,"end":101.505,"confidence":0.9997452,"punctuated_word":"earnings","sentiment":"neutral","sentiment_score":0.0017330050468444824},{"word":"and","start":102.045,"end":102.545,"confidence":0.93117386,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0017686039209365845},{"word":"remove","start":103.005,"end":103.405,"confidence":0.9975055,"punctuated_word":"remove","sentiment":"neutral","sentiment_score":-0.01775752753019333},{"word":"the","start":103.405,"end":103.564995,"confidence":0.9992442,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.002796471118927002},{"word":"tax","start":103.564995,"end":103.805,"confidence":0.99944156,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.003529660403728485},{"word":"and","start":103.805,"end":104.045,"confidence":0.97144556,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.006290771067142487},{"word":"basically","start":104.045,"end":104.545,"confidence":0.9091781,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.032253604382276535},{"word":"deposit","start":104.604996,"end":105.104996,"confidence":0.99351186,"punctuated_word":"deposit","sentiment":"neutral","sentiment_score":-0.007543928921222687},{"word":"for","start":105.165,"end":105.325,"confidence":0.99539316,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.011636324226856232},{"word":"you","start":105.325,"end":105.485,"confidence":0.999767,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04009398818016052},{"word":"guys","start":105.485,"end":105.985,"confidence":0.9989549,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.039073750376701355},{"word":"the","start":106.524994,"end":106.924995,"confidence":0.9941109,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.015665054321289062},{"word":"remainder","start":106.924995,"end":107.424995,"confidence":0.968316,"punctuated_word":"remainder","sentiment":"neutral","sentiment_score":0.015069670975208282},{"word":"after","start":108.045,"end":108.284996,"confidence":0.99864763,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.0020158737897872925},{"word":"that's","start":108.284996,"end":108.685,"confidence":0.99587166,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.006556395441293716},{"word":"been","start":108.685,"end":108.845,"confidence":0.9996983,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.04059762880206108},{"word":"taken","start":108.845,"end":109.165,"confidence":0.9998141,"punctuated_word":"taken","sentiment":"neutral","sentiment_score":-0.0413198359310627},{"word":"out","start":109.165,"end":109.665,"confidence":0.9965382,"punctuated_word":"out.","sentiment":"neutral","sentiment_score":-0.02020624838769436},{"word":"yep","start":120.27,"end":120.77,"confidence":0.95283306,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04070631414651871},{"word":"so","start":121.15,"end":121.47,"confidence":0.9961712,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.047960761934518814},{"word":"out","start":121.47,"end":121.63,"confidence":0.9992705,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.0355953685939312},{"word":"of","start":121.63,"end":121.79,"confidence":0.9998822,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04002535715699196},{"word":"the","start":121.79,"end":121.95,"confidence":0.9995635,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.037513718008995056},{"word":"02/17","start":121.95,"end":122.69,"confidence":0.9708617,"punctuated_word":"02/17,","sentiment":"neutral","sentiment_score":0.03323101997375488},{"word":"could","start":123.125,"end":123.205,"confidence":0.9832176,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.045331068336963654},{"word":"be","start":123.205,"end":123.445,"confidence":0.9998286,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.04266694560647011},{"word":"around","start":123.445,"end":123.845,"confidence":0.99106896,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.04500599578022957},{"word":"about","start":123.845,"end":124.165,"confidence":0.9953011,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.036769799888134},{"word":"$2.10","start":124.165,"end":124.884995,"confidence":0.92460525,"punctuated_word":"$2.10,","sentiment":"neutral","sentiment_score":0.02577909827232361},{"word":"$2.11","start":124.884995,"end":125.525,"confidence":0.9997343,"punctuated_word":"$2.11","sentiment":"neutral","sentiment_score":0.03702984377741814},{"word":"that","start":125.525,"end":125.765,"confidence":0.81454366,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05385709926486015},{"word":"could","start":125.765,"end":126.005,"confidence":0.99956304,"punctuated_word":"could","sentiment":"neutral","sentiment_score":0.05203121900558472},{"word":"come","start":126.005,"end":126.244995,"confidence":0.99987364,"punctuated_word":"come","sentiment":"neutral","sentiment_score":0.06350995600223541},{"word":"out","start":126.244995,"end":126.645,"confidence":0.99959797,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.05550934374332428},{"word":"net","start":126.645,"end":127.145,"confidence":0.97737074,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.0629425123333931},{"word":"after","start":127.205,"end":127.525,"confidence":0.9991462,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.037197113037109375},{"word":"that","start":127.525,"end":128.025,"confidence":0.99871564,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.06759309768676758},{"word":"fantastic","start":131.765,"end":132.265,"confidence":0.9729483,"punctuated_word":"Fantastic.","sentiment":"neutral","sentiment_score":0.3056468367576599},{"word":"are","start":134.565,"end":134.72499,"confidence":0.96477723,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.04724692925810814},{"word":"you","start":134.72499,"end":135.22499,"confidence":0.7026483,"punctuated_word":"you?","sentiment":"neutral","sentiment_score":0.07451696693897247},{"word":"so","start":136.31,"end":136.47,"confidence":0.58846045,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.04464137181639671},{"word":"if","start":136.47,"end":136.70999,"confidence":0.9978777,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.0581260621547699},{"word":"02/17","start":136.70999,"end":137.43,"confidence":0.999214,"punctuated_word":"02/17","sentiment":"neutral","sentiment_score":-0.03880056366324425},{"word":"came","start":137.43,"end":137.67,"confidence":0.9999404,"punctuated_word":"came","sentiment":"neutral","sentiment_score":-0.04678745195269585},{"word":"out","start":137.67,"end":137.90999,"confidence":0.99980515,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.020706117153167725},{"word":"and","start":137.90999,"end":138.06999,"confidence":0.9300221,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04581056162714958},{"word":"they","start":138.06999,"end":138.23,"confidence":0.9984768,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.05404072999954224},{"word":"take","start":138.23,"end":138.47,"confidence":0.99872667,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.07960831373929977},{"word":"six","start":138.47,"end":138.70999,"confidence":0.9989073,"punctuated_word":"six","sentiment":"neutral","sentiment_score":-0.039952777326107025},{"word":"out","start":138.70999,"end":138.87,"confidence":0.99657285,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.050057172775268555},{"word":"of","start":138.87,"end":139.03,"confidence":0.9940404,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07441585510969162},{"word":"tax","start":139.03,"end":139.34999,"confidence":0.99819225,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":-0.029749244451522827},{"word":"we","start":139.34999,"end":139.59,"confidence":0.99985766,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.01787981390953064},{"word":"should","start":139.59,"end":139.75,"confidence":0.99996436,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.0056991130113601685},{"word":"be","start":139.75,"end":139.90999,"confidence":0.9998938,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.00355394184589386},{"word":"left","start":139.90999,"end":140.15,"confidence":0.99983716,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.0058218687772750854},{"word":"with","start":140.15,"end":140.31,"confidence":0.9993247,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.023607969284057617},{"word":"that","start":140.31,"end":140.54999,"confidence":0.99846244,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.048214398324489594},{"word":"$2.10","start":140.54999,"end":141.03,"confidence":0.8362882,"punctuated_word":"$2.10"},{"word":"to","start":141.03,"end":141.26999,"confidence":0.6192906,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.019492024555802345},{"word":"11","start":141.26999,"end":141.67,"confidence":0.99922013,"punctuated_word":"11","sentiment":"neutral","sentiment_score":0.019404448568820953},{"word":"approximately","start":141.67,"end":142.17,"confidence":0.8577177,"punctuated_word":"approximately.","sentiment":"neutral","sentiment_score":0.03159205615520477},{"word":"perfect","start":144.87,"end":145.37,"confidence":0.9939275,"punctuated_word":"Perfect.","sentiment":"positive","sentiment_score":0.7027727365493774},{"word":"now","start":146.39,"end":146.62999,"confidence":0.91113675,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.3653454780578614},{"word":"what","start":146.62999,"end":146.79,"confidence":0.9963651,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2221633344888687},{"word":"i","start":146.79,"end":146.95,"confidence":0.9999335,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1915563642978668},{"word":"wanted","start":146.95,"end":147.26999,"confidence":0.9959512,"punctuated_word":"wanted","sentiment":"neutral","sentiment_score":0.18480829894542697},{"word":"to","start":147.26999,"end":147.34999,"confidence":0.99866045,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2082686871290207},{"word":"sort","start":147.34999,"end":147.59,"confidence":0.99689037,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2038869708776474},{"word":"of","start":147.59,"end":147.67,"confidence":0.9991487,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1496720314025879},{"word":"walk","start":147.67,"end":147.90999,"confidence":0.9983417,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.13385289907455444},{"word":"through","start":147.90999,"end":148.15,"confidence":0.99783725,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.16254514455795288},{"word":"with","start":148.15,"end":148.31,"confidence":0.9996841,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.14646762609481812},{"word":"you","start":148.31,"end":148.54999,"confidence":0.9998963,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16768106818199158},{"word":"a","start":148.54999,"end":148.62999,"confidence":0.9995484,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1941010355949402},{"word":"little","start":148.62999,"end":148.79,"confidence":0.99997723,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.1503719836473465},{"word":"bit","start":148.79,"end":148.95,"confidence":0.999861,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1561838984489441},{"word":"as","start":148.95,"end":149.18999,"confidence":0.9995951,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.13650105893611908},{"word":"well","start":149.18999,"end":149.68999,"confidence":0.9998894,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.17279410362243652},{"word":"is","start":149.82999,"end":150.32999,"confidence":0.99647456,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15060827136039734},{"word":"the","start":150.95499,"end":151.355,"confidence":0.9902462,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13701769709587097},{"word":"reusing","start":151.355,"end":151.855,"confidence":0.96878123,"punctuated_word":"reusing","sentiment":"neutral","sentiment_score":0.10292290896177292},{"word":"the","start":152.39499,"end":152.555,"confidence":0.8708292,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11061050742864607},{"word":"bring","start":152.555,"end":152.875,"confidence":0.9931144,"punctuated_word":"bring","sentiment":"neutral","sentiment_score":0.08079768717288971},{"word":"forward","start":152.875,"end":153.19499,"confidence":0.9992101,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.08829209208488464},{"word":"rule","start":153.19499,"end":153.69499,"confidence":0.9985703,"punctuated_word":"rule","sentiment":"neutral","sentiment_score":0.14653046429157257},{"word":"because","start":153.75499,"end":154.155,"confidence":0.67913294,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.09481595456600188},{"word":"we're","start":154.155,"end":154.39499,"confidence":0.80995977,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.10389721393585204},{"word":"talking","start":154.39499,"end":154.715,"confidence":0.99710447,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.0818726196885109},{"word":"about","start":154.715,"end":154.875,"confidence":0.99878067,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.09571173787117004},{"word":"getting","start":154.875,"end":155.19499,"confidence":0.99980134,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.10327570140361786},{"word":"that","start":155.19499,"end":155.435,"confidence":0.9992567,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.11754749715328217},{"word":"back","start":155.435,"end":155.67499,"confidence":0.999897,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.10321468114852904},{"word":"in","start":155.67499,"end":156.17499,"confidence":0.999739,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06249324232339859},{"word":"so","start":156.47499,"end":156.635,"confidence":0.9296002,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.12011200189590454},{"word":"it","start":156.635,"end":156.715,"confidence":0.99766916,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15356513857841492},{"word":"can","start":156.715,"end":156.875,"confidence":0.9997621,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1868634521961212},{"word":"be","start":156.875,"end":157.19499,"confidence":0.99954706,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.19795680046081543},{"word":"contributed","start":157.19499,"end":157.69499,"confidence":0.99381196,"punctuated_word":"contributed.","sentiment":"neutral","sentiment_score":0.17521947622299194},{"word":"now","start":159.03499,"end":159.53499,"confidence":0.99891937,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.2849649488925934},{"word":"that","start":159.915,"end":160.31499,"confidence":0.9952502,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2796255052089691},{"word":"will","start":160.31499,"end":160.635,"confidence":0.8908618,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.25839963555336},{"word":"need","start":160.635,"end":160.875,"confidence":0.9998977,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.2810506820678711},{"word":"to","start":160.875,"end":161.03499,"confidence":0.99984396,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3186689019203186},{"word":"do","start":161.03499,"end":161.355,"confidence":0.99992394,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.3028850555419922},{"word":"a","start":161.355,"end":161.59499,"confidence":0.9998454,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.31071174144744873},{"word":"little","start":161.59499,"end":161.915,"confidence":0.9999337,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.19091516733169556},{"word":"bit","start":161.915,"end":162.155,"confidence":0.9998896,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.20946770906448364},{"word":"of","start":162.155,"end":162.39499,"confidence":0.99990535,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.32639020681381226},{"word":"a","start":162.39499,"end":162.635,"confidence":0.99975103,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.38753271102905273},{"word":"pension","start":162.635,"end":163.03499,"confidence":0.99985635,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.2290976643562317},{"word":"refresh","start":163.03499,"end":163.53499,"confidence":0.9953221,"punctuated_word":"refresh,","sentiment":"neutral","sentiment_score":0.2810230851173401},{"word":"which","start":163.82,"end":163.98001,"confidence":0.99997556,"punctuated_word":"which","sentiment":"positive","sentiment_score":0.533098042011261},{"word":"i'm","start":163.98001,"end":164.22,"confidence":0.9997083,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.7745255827903748},{"word":"more","start":164.22,"end":164.46,"confidence":0.99994636,"punctuated_word":"more","sentiment":"positive","sentiment_score":0.8283677101135254},{"word":"than","start":164.46,"end":164.62001,"confidence":0.999678,"punctuated_word":"than","sentiment":"positive","sentiment_score":0.7892172336578369},{"word":"happy","start":164.62001,"end":164.94,"confidence":0.9999548,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.8037974238395691},{"word":"to","start":164.94,"end":165.1,"confidence":0.9996668,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.7947729229927063},{"word":"do","start":165.1,"end":165.42,"confidence":0.8511127,"punctuated_word":"do.","sentiment":"positive","sentiment_score":0.6803280115127563},{"word":"because","start":165.42,"end":165.66,"confidence":0.943161,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.2306053191423416},{"word":"as","start":165.66,"end":165.82,"confidence":0.76429814,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.25084248185157776},{"word":"you","start":165.82,"end":165.98001,"confidence":0.99626833,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.29010719060897827},{"word":"know","start":165.98001,"end":166.22,"confidence":0.99349046,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.22563911974430084},{"word":"when","start":166.22,"end":166.38,"confidence":0.99990666,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.23105746507644653},{"word":"you","start":166.38,"end":166.54001,"confidence":0.999967,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.3018657863140106},{"word":"put","start":166.54001,"end":166.86,"confidence":0.9998822,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.1977660208940506},{"word":"contributions","start":166.86,"end":167.36,"confidence":0.99991405,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":0.20145386457443237},{"word":"in","start":167.42,"end":167.66,"confidence":0.9975736,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.24885807931423187},{"word":"it","start":167.66,"end":167.82,"confidence":0.9998969,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.28377366065979004},{"word":"goes","start":167.82,"end":167.98001,"confidence":0.99993265,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.2017154097557068},{"word":"into","start":167.98001,"end":168.3,"confidence":0.99973327,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.18662941455841064},{"word":"accumulation","start":168.3,"end":168.8,"confidence":0.9642224,"punctuated_word":"accumulation.","sentiment":"neutral","sentiment_score":0.19279949367046356},{"word":"we","start":169.5,"end":169.74,"confidence":0.999554,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.30031511187553406},{"word":"hit","start":169.74,"end":169.98001,"confidence":0.99990296,"punctuated_word":"hit","sentiment":"positive","sentiment_score":0.44350969791412354},{"word":"a","start":169.98001,"end":170.14,"confidence":0.999841,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.36576586961746216},{"word":"button","start":170.14,"end":170.54001,"confidence":0.99996233,"punctuated_word":"button","sentiment":"neutral","sentiment_score":0.26573121547698975},{"word":"on","start":170.54001,"end":170.70001,"confidence":0.9998841,"punctuated_word":"on","sentiment":"positive","sentiment_score":0.34477499127388},{"word":"hub","start":170.70001,"end":171.02,"confidence":0.6932648,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.2988906800746918},{"word":"twenty","start":171.02,"end":171.26001,"confidence":0.9937051,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.3074958324432373},{"word":"four","start":171.26001,"end":171.58,"confidence":0.9434129,"punctuated_word":"four,","sentiment":"neutral","sentiment_score":0.24094825983047485},{"word":"and","start":171.58,"end":171.66,"confidence":0.9998965,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2940388321876526},{"word":"they","start":171.66,"end":171.82,"confidence":0.99992657,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.30756139755249023},{"word":"can","start":171.82,"end":172.14,"confidence":0.99992347,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.3212006092071533},{"word":"refresh","start":172.14,"end":172.54001,"confidence":0.9996507,"punctuated_word":"refresh","sentiment":"neutral","sentiment_score":0.158270001411438},{"word":"it","start":172.54001,"end":172.62001,"confidence":0.99201703,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.28638970851898193},{"word":"all","start":172.62001,"end":172.86,"confidence":0.9992797,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.24039249122142792},{"word":"back","start":172.86,"end":173.02,"confidence":0.99989974,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.2588413953781128},{"word":"into","start":173.02,"end":173.26001,"confidence":0.99966836,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.3038351535797119},{"word":"the","start":173.26001,"end":173.42,"confidence":0.99942577,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2907203435897827},{"word":"pension","start":173.42,"end":173.92,"confidence":0.9999182,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.2626909613609314},{"word":"pretty","start":174.22,"end":174.46,"confidence":0.92930794,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3550753593444824},{"word":"well","start":174.46,"end":174.86,"confidence":0.9999553,"punctuated_word":"well","sentiment":"positive","sentiment_score":0.33592501282691956},{"word":"within","start":174.86,"end":175.26001,"confidence":0.99911386,"punctuated_word":"within","sentiment":"positive","sentiment_score":0.3929363787174225},{"word":"a","start":175.26001,"end":175.42,"confidence":0.9996189,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.5478291511535645},{"word":"couple","start":175.42,"end":175.66,"confidence":0.9999356,"punctuated_word":"couple","sentiment":"positive","sentiment_score":0.4890959858894348},{"word":"of","start":175.66,"end":175.82,"confidence":0.99754864,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5163524746894836},{"word":"days","start":175.82,"end":176.06,"confidence":0.9999045,"punctuated_word":"days","sentiment":"positive","sentiment_score":0.4565220773220062},{"word":"of","start":176.06,"end":176.22,"confidence":0.9996953,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4388335943222046},{"word":"each","start":176.22,"end":176.38,"confidence":0.99993694,"punctuated_word":"each","sentiment":"positive","sentiment_score":0.4361925423145294},{"word":"other","start":176.38,"end":176.88,"confidence":0.91733557,"punctuated_word":"other.","sentiment":"positive","sentiment_score":0.41245412826538086},{"word":"and","start":177.115,"end":177.615,"confidence":0.99911946,"punctuated_word":"And","sentiment":"positive","sentiment_score":0.5138195157051086},{"word":"that's","start":177.835,"end":178.155,"confidence":0.9427824,"punctuated_word":"that's","sentiment":"positive","sentiment_score":0.5511044263839722},{"word":"the","start":178.155,"end":178.315,"confidence":0.9994141,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5124262571334839},{"word":"easiest","start":178.315,"end":178.715,"confidence":0.9999176,"punctuated_word":"easiest","sentiment":"positive","sentiment_score":0.5601857304573059},{"word":"way","start":178.715,"end":178.875,"confidence":0.99967265,"punctuated_word":"way","sentiment":"positive","sentiment_score":0.4713589549064636},{"word":"to","start":178.875,"end":178.955,"confidence":0.9997155,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.49814069271087646},{"word":"get","start":178.955,"end":179.195,"confidence":0.99995387,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.40714868903160095},{"word":"it","start":179.195,"end":179.355,"confidence":0.99240875,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.41099098324775696},{"word":"into","start":179.355,"end":179.675,"confidence":0.9726017,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.46287351846694946},{"word":"super","start":179.675,"end":180.075,"confidence":0.7982708,"punctuated_word":"super","sentiment":"positive","sentiment_score":0.616023600101471},{"word":"and","start":180.075,"end":180.235,"confidence":0.9865161,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4177531898021698},{"word":"then","start":180.235,"end":180.395,"confidence":0.9994042,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.3315495550632477},{"word":"back","start":180.395,"end":180.635,"confidence":0.9998579,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.37259018421173096},{"word":"into","start":180.635,"end":180.955,"confidence":0.9993462,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.37170353531837463},{"word":"your","start":180.955,"end":181.115,"confidence":0.99636084,"punctuated_word":"your","sentiment":"positive","sentiment_score":0.49110859632492065},{"word":"same","start":181.115,"end":181.355,"confidence":0.99943596,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.44379010796546936},{"word":"pension","start":181.355,"end":181.835,"confidence":0.99984264,"punctuated_word":"pension","sentiment":"positive","sentiment_score":0.3534475862979889},{"word":"phase","start":181.835,"end":182.335,"confidence":0.98740005,"punctuated_word":"phase.","sentiment":"positive","sentiment_score":0.4473150968551636},{"word":"i","start":182.475,"end":182.795,"confidence":0.9994629,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5133360624313354},{"word":"did","start":182.795,"end":183.035,"confidence":0.9999181,"punctuated_word":"did","sentiment":"positive","sentiment_score":0.4711790680885315},{"word":"get","start":183.035,"end":183.355,"confidence":0.99992704,"punctuated_word":"get","sentiment":"positive","sentiment_score":0.6060835123062134},{"word":"the","start":183.355,"end":183.835,"confidence":0.99975795,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5874471068382263},{"word":"email","start":183.835,"end":184.335,"confidence":0.99976426,"punctuated_word":"email","sentiment":"positive","sentiment_score":0.4662901759147644},{"word":"for","start":184.715,"end":184.955,"confidence":0.99939287,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.5586320161819458},{"word":"dropping","start":184.955,"end":185.355,"confidence":0.997743,"punctuated_word":"dropping","sentiment":"positive","sentiment_score":0.4981701374053955},{"word":"the","start":185.355,"end":185.515,"confidence":0.99911517,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.4807656407356262},{"word":"pension","start":185.515,"end":185.91501,"confidence":0.9999168,"punctuated_word":"pension","sentiment":"positive","sentiment_score":0.37071511149406433},{"word":"payment","start":185.91501,"end":186.235,"confidence":0.7904194,"punctuated_word":"payment,","sentiment":"positive","sentiment_score":0.3431830108165741},{"word":"so","start":186.235,"end":186.475,"confidence":0.99972767,"punctuated_word":"so","sentiment":"positive","sentiment_score":0.4155648946762085},{"word":"thank","start":186.475,"end":186.635,"confidence":0.99979264,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.7269735336303711},{"word":"you","start":186.635,"end":186.795,"confidence":0.9998872,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.7032257318496704},{"word":"for","start":186.795,"end":187.035,"confidence":0.99980956,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.7265607118606567},{"word":"organizing","start":187.035,"end":187.515,"confidence":0.9998196,"punctuated_word":"organizing","sentiment":"positive","sentiment_score":0.7334890961647034},{"word":"that","start":187.515,"end":188.015,"confidence":0.99974537,"punctuated_word":"that.","sentiment":"positive","sentiment_score":0.6361037492752075},{"word":"so","start":189.69,"end":190.01,"confidence":0.9807046,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.3220022916793823},{"word":"i'm","start":190.01,"end":190.33,"confidence":0.99973893,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.34367966651916504},{"word":"going","start":190.33,"end":190.65,"confidence":0.9999118,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.33299776911735535},{"word":"to","start":190.65,"end":190.89,"confidence":0.99988806,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31091728806495667},{"word":"i've","start":191.21,"end":191.37,"confidence":0.99978995,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.25920817255973816},{"word":"got","start":191.37,"end":191.53,"confidence":0.9998294,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.29676082730293274},{"word":"the","start":191.53,"end":191.69,"confidence":0.9997514,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3078365623950958},{"word":"team","start":191.69,"end":192.19,"confidence":0.99976796,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.3229224383831024},{"word":"sort","start":192.57,"end":192.73,"confidence":0.99095786,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.2744406461715698},{"word":"of","start":192.73,"end":192.89,"confidence":0.99965894,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.3390554189682007},{"word":"ready","start":192.89,"end":193.13,"confidence":0.9998987,"punctuated_word":"ready","sentiment":"positive","sentiment_score":0.3636748790740967},{"word":"to","start":193.13,"end":193.37,"confidence":0.9990902,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.3914226293563843},{"word":"action","start":193.37,"end":193.69,"confidence":0.99906844,"punctuated_word":"action","sentiment":"positive","sentiment_score":0.3402559757232666},{"word":"that","start":193.69,"end":193.93001,"confidence":0.99981695,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.32075977325439453},{"word":"and","start":193.93001,"end":194.25,"confidence":0.9926716,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.3257574737071991},{"word":"get","start":194.25,"end":194.49,"confidence":0.9999578,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.321632981300354},{"word":"that","start":194.49,"end":194.81,"confidence":0.9998253,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.30490365624427795},{"word":"dropped","start":194.81,"end":195.31,"confidence":0.9996389,"punctuated_word":"dropped","sentiment":"neutral","sentiment_score":0.21914875507354736},{"word":"in","start":195.53,"end":195.85,"confidence":0.99965835,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.3240261375904083},{"word":"time","start":195.85,"end":196.33,"confidence":0.82499045,"punctuated_word":"time,","sentiment":"neutral","sentiment_score":0.32446807622909546},{"word":"hopefully","start":196.33,"end":196.83,"confidence":0.98727727,"punctuated_word":"hopefully,","sentiment":"neutral","sentiment_score":0.32119786739349365},{"word":"for","start":197.21,"end":197.37,"confidence":0.999879,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.34971728920936584},{"word":"the","start":197.37,"end":197.53,"confidence":0.9999616,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2751401960849762},{"word":"next","start":197.53,"end":197.85,"confidence":0.9996834,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.24112160503864288},{"word":"pension","start":197.85,"end":198.33,"confidence":0.9999579,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.20858319103717804},{"word":"payment","start":198.33,"end":198.83,"confidence":0.8575604,"punctuated_word":"payment.","sentiment":"neutral","sentiment_score":0.16589117050170898},{"word":"just","start":199.13,"end":199.29001,"confidence":0.8149517,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.06035942584276199},{"word":"depends","start":199.29001,"end":199.69,"confidence":0.9994326,"punctuated_word":"depends","sentiment":"neutral","sentiment_score":0.07815880328416824},{"word":"on","start":199.69,"end":200.19,"confidence":0.99961555,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.027934212237596512},{"word":"getting","start":200.57,"end":201.07,"confidence":0.99931943,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.019833195954561234},{"word":"possibly","start":201.46501,"end":201.705,"confidence":0.9998498,"punctuated_word":"possibly","sentiment":"neutral","sentiment_score":0.009570762515068054},{"word":"something","start":201.705,"end":202.10501,"confidence":0.99973625,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.004635240882635117},{"word":"signed","start":202.10501,"end":202.425,"confidence":0.9967191,"punctuated_word":"signed,","sentiment":"neutral","sentiment_score":0.005300339311361313},{"word":"but","start":202.425,"end":202.66501,"confidence":0.99985266,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.024342134594917297},{"word":"we're","start":202.66501,"end":202.74501,"confidence":0.99985015,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.07528554648160934},{"word":"gonna","start":202.74501,"end":203.065,"confidence":0.90286404,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.1063121035695076},{"word":"try","start":203.065,"end":203.225,"confidence":0.9991032,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.10648199915885924},{"word":"and","start":203.225,"end":203.38501,"confidence":0.9866164,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1047111600637436},{"word":"action","start":203.38501,"end":203.705,"confidence":0.99760336,"punctuated_word":"action","sentiment":"neutral","sentiment_score":0.13782557845115662},{"word":"it","start":203.705,"end":203.945,"confidence":0.9968053,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.09312467277050018},{"word":"on","start":203.945,"end":204.10501,"confidence":0.999915,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09061190485954285},{"word":"your","start":204.10501,"end":204.425,"confidence":0.999944,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.09511953592300416},{"word":"account","start":204.425,"end":204.925,"confidence":0.99491495,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.08230552077293396},{"word":"richard","start":207.785,"end":208.285,"confidence":0.8121055,"punctuated_word":"Richard,","sentiment":"neutral","sentiment_score":0.03964749723672867},{"word":"were","start":208.425,"end":208.66501,"confidence":0.99273926,"punctuated_word":"were","sentiment":"neutral","sentiment_score":-0.003861727192997933},{"word":"you","start":208.66501,"end":208.82501,"confidence":0.9998708,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0023410432040691376},{"word":"wanting","start":208.82501,"end":209.145,"confidence":0.9996568,"punctuated_word":"wanting","sentiment":"neutral","sentiment_score":-0.003206588327884674},{"word":"to","start":209.145,"end":209.30501,"confidence":0.99984634,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.00701235793530941},{"word":"use","start":209.30501,"end":209.625,"confidence":0.9999347,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.0035996995866298676},{"word":"when","start":210.265,"end":210.505,"confidence":0.9986778,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.008665857836604118},{"word":"it","start":210.505,"end":210.66501,"confidence":0.9999548,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.017896730452775955},{"word":"comes","start":210.66501,"end":210.985,"confidence":0.99990416,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.020023200660943985},{"word":"to","start":210.985,"end":211.225,"confidence":0.99973744,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03198159486055374},{"word":"recontributing","start":211.225,"end":211.725,"confidence":0.9797686,"punctuated_word":"recontributing","sentiment":"neutral","sentiment_score":0.04630880802869797},{"word":"back","start":212.02501,"end":212.265,"confidence":0.99971384,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.024669025093317032},{"word":"in","start":212.265,"end":212.585,"confidence":0.99514294,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.007967015728354454},{"word":"did","start":212.585,"end":212.74501,"confidence":0.9996842,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.01909494772553444},{"word":"you","start":212.74501,"end":212.905,"confidence":0.999897,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.004547696560621262},{"word":"want","start":212.905,"end":213.065,"confidence":0.9999192,"punctuated_word":"want","sentiment":"neutral","sentiment_score":-0.00948045775294304},{"word":"me","start":213.065,"end":213.225,"confidence":0.999902,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.002766888588666916},{"word":"to","start":213.225,"end":213.38501,"confidence":0.99964786,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0006774961948394775},{"word":"kind","start":213.38501,"end":213.54501,"confidence":0.99451256,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.004335120320320129},{"word":"of","start":213.54501,"end":213.705,"confidence":0.99978334,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.009560458362102509},{"word":"crunch","start":213.705,"end":214.02501,"confidence":0.9991841,"punctuated_word":"crunch","sentiment":"neutral","sentiment_score":-0.03830014914274216},{"word":"the","start":214.02501,"end":214.18501,"confidence":0.9873553,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.022150687873363495},{"word":"numbers","start":214.18501,"end":214.585,"confidence":0.9998821,"punctuated_word":"numbers","sentiment":"neutral","sentiment_score":-0.00046018511056900024},{"word":"to","start":214.585,"end":214.74501,"confidence":0.9999107,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.019450973719358444},{"word":"see","start":214.74501,"end":214.905,"confidence":0.99989355,"punctuated_word":"see","sentiment":"neutral","sentiment_score":-0.02059568464756012},{"word":"if","start":214.905,"end":214.985,"confidence":0.9999484,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.02102309837937355},{"word":"we","start":214.985,"end":215.145,"confidence":0.9999424,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.005847722291946411},{"word":"should","start":215.145,"end":215.30501,"confidence":0.9993637,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.015949301421642303},{"word":"get","start":215.30501,"end":215.46501,"confidence":0.99988747,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.028748497366905212},{"word":"it","start":215.46501,"end":215.625,"confidence":0.9989691,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.01345505565404892},{"word":"back","start":215.625,"end":215.865,"confidence":0.99988997,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.015657134354114532},{"word":"into","start":215.865,"end":216.265,"confidence":0.997682,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.017495542764663696},{"word":"yours","start":216.265,"end":216.765,"confidence":0.99848086,"punctuated_word":"yours","sentiment":"neutral","sentiment_score":-0.013036219403147696},{"word":"or","start":216.99,"end":217.15001,"confidence":0.9989122,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.027462385594844815},{"word":"mercers","start":217.15001,"end":217.65001,"confidence":0.46746954,"punctuated_word":"Mercers,","sentiment":"neutral","sentiment_score":-0.011215266771614552},{"word":"or","start":218.27,"end":218.67,"confidence":0.9995795,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.02153293788433075},{"word":"should","start":218.67,"end":218.91,"confidence":0.99858606,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.030413737520575523},{"word":"we","start":218.91,"end":218.99,"confidence":0.99994123,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.005985032767057419},{"word":"just","start":218.99,"end":219.23001,"confidence":0.9998827,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.00782112404704094},{"word":"do","start":219.23001,"end":219.39,"confidence":0.9997677,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.019268419593572617},{"word":"one","start":219.39,"end":219.63,"confidence":0.9999007,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.0028254427015781403},{"word":"or","start":219.63,"end":219.79001,"confidence":0.99798065,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.014569830149412155},{"word":"the","start":219.79001,"end":219.95001,"confidence":0.99952924,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.009866584092378616},{"word":"other","start":219.95001,"end":220.27,"confidence":0.99761987,"punctuated_word":"other?","sentiment":"neutral","sentiment_score":-0.009868687018752098},{"word":"do","start":220.27,"end":220.43001,"confidence":0.99915266,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.02267972007393837},{"word":"you","start":220.43001,"end":220.51001,"confidence":0.9999316,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.015126315876841543},{"word":"have","start":220.51001,"end":220.67,"confidence":0.9999651,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.017196495085954666},{"word":"a","start":220.67,"end":220.83,"confidence":0.99969673,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.01372707262635231},{"word":"preference","start":220.83,"end":221.33,"confidence":0.99945104,"punctuated_word":"preference?","sentiment":"neutral","sentiment_score":0.004316598176956177},{"word":"correct","start":240.365,"end":240.865,"confidence":0.9984242,"punctuated_word":"Correct.","sentiment":"neutral","sentiment_score":0.03198732063174248},{"word":"yeah","start":245.95,"end":246.45,"confidence":0.82238925,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.028230777010321617},{"word":"now","start":246.98999,"end":247.15,"confidence":0.9936052,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.003677092492580414},{"word":"they've","start":247.15,"end":247.47,"confidence":0.9990294,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":0.004588469862937927},{"word":"increased","start":247.47,"end":247.87,"confidence":0.9994367,"punctuated_word":"increased","sentiment":"neutral","sentiment_score":0.04392177611589432},{"word":"the","start":247.87,"end":248.11,"confidence":0.91611457,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.011000163853168488},{"word":"non","start":248.11,"end":248.34999,"confidence":0.9982175,"punctuated_word":"non","sentiment":"neutral","sentiment_score":-0.008260965347290039},{"word":"concessional","start":248.34999,"end":248.84999,"confidence":0.81073743,"punctuated_word":"concessional","sentiment":"neutral","sentiment_score":-0.03797098621726036},{"word":"cap","start":248.98999,"end":249.31,"confidence":0.99807054,"punctuated_word":"cap","sentiment":"neutral","sentiment_score":-0.0024167895317077637},{"word":"to","start":249.31,"end":249.54999,"confidence":0.9994696,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04925291985273361},{"word":"one","start":249.54999,"end":249.95,"confidence":0.9998109,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.013503968715667725},{"word":"thirty","start":249.95,"end":250.45,"confidence":0.8088181,"punctuated_word":"thirty,","sentiment":"neutral","sentiment_score":0.001949898898601532},{"word":"so","start":250.90999,"end":251.15,"confidence":0.99920183,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.009842850267887115},{"word":"that","start":251.15,"end":251.54999,"confidence":0.9996915,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.020765237510204315},{"word":"that","start":251.54999,"end":251.79,"confidence":0.99414307,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04326030611991882},{"word":"brings","start":251.79,"end":252.11,"confidence":0.51029414,"punctuated_word":"brings","sentiment":"neutral","sentiment_score":-0.0005685091018676758},{"word":"forward","start":252.11,"end":252.43,"confidence":0.9636602,"punctuated_word":"forward","sentiment":"neutral","sentiment_score":0.011417381465435028},{"word":"rule","start":252.43,"end":252.90999,"confidence":0.9073153,"punctuated_word":"rule","sentiment":"neutral","sentiment_score":0.04501602053642273},{"word":"gets","start":252.90999,"end":253.23,"confidence":0.5983348,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":-0.009352736175060272},{"word":"quite","start":253.23,"end":253.54999,"confidence":0.9997092,"punctuated_word":"quite","sentiment":"neutral","sentiment_score":-0.06515393406152725},{"word":"large","start":253.54999,"end":253.79,"confidence":0.9960673,"punctuated_word":"large.","sentiment":"neutral","sentiment_score":0.0012409202754497528},{"word":"we're","start":253.79,"end":254.03,"confidence":0.9999409,"punctuated_word":"We're","sentiment":"neutral","sentiment_score":-0.004236067645251751},{"word":"talking","start":254.03,"end":254.34999,"confidence":0.9998987,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":-0.0026074647903442383},{"word":"390,000","start":254.34999,"end":255.62999,"confidence":0.9723183,"punctuated_word":"390,000","sentiment":"neutral","sentiment_score":0.039519526064395905},{"word":"now","start":255.62999,"end":256.13,"confidence":0.990831,"punctuated_word":"now.","sentiment":"neutral","sentiment_score":0.010481614619493484},{"word":"yeah","start":269.27002,"end":269.59,"confidence":0.9954883,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.0003907885402441025},{"word":"the","start":269.59,"end":269.75,"confidence":0.996276,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.02641429752111435},{"word":"three","start":269.75,"end":270.07,"confidence":0.999094,"punctuated_word":"three","sentiment":"neutral","sentiment_score":-0.015589196234941484},{"word":"40","start":270.07,"end":270.31,"confidence":0.9993593,"punctuated_word":"40","sentiment":"neutral","sentiment_score":-0.01809526234865189},{"word":"seven","start":270.31,"end":270.63,"confidence":0.9998192,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":-0.024445785209536552},{"word":"and","start":270.63,"end":270.79,"confidence":0.5134643,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04132462665438652},{"word":"the","start":270.79,"end":270.95,"confidence":0.9870063,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.029778260737657547},{"word":"join","start":270.95,"end":271.45,"confidence":0.6600723,"punctuated_word":"join.","sentiment":"neutral","sentiment_score":-0.014020394533872604},{"word":"yep","start":272.07,"end":272.57,"confidence":0.9782971,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04428839683532715},{"word":"yeah","start":288.005,"end":288.505,"confidence":0.82380897,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.10399575531482697},{"word":"yeah","start":300.34,"end":300.84,"confidence":0.8886843,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.18560639023780823},{"word":"i'm","start":301.46002,"end":301.78,"confidence":0.962787,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.22009515762329104},{"word":"going","start":301.78,"end":302.02002,"confidence":0.99985945,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.2529639005661011},{"word":"to","start":302.02002,"end":302.18002,"confidence":0.9996026,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2305518239736557},{"word":"have","start":302.18002,"end":302.42,"confidence":0.99974066,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.2501126527786255},{"word":"a","start":302.42,"end":302.5,"confidence":0.99712163,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.20881861448287964},{"word":"quick","start":302.5,"end":302.66,"confidence":0.9571261,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.20237769186496735},{"word":"i've","start":302.74002,"end":302.90002,"confidence":0.9999148,"punctuated_word":"I've","sentiment":"neutral","sentiment_score":0.2559049725532532},{"word":"got","start":302.90002,"end":303.14,"confidence":0.9999218,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.2819453477859497},{"word":"the","start":303.14,"end":303.38,"confidence":0.99810034,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1986035257577896},{"word":"account","start":303.38,"end":303.78,"confidence":0.99986887,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.14702723920345306},{"word":"open","start":303.78,"end":304.1,"confidence":0.9891929,"punctuated_word":"open","sentiment":"neutral","sentiment_score":0.26647111773490906},{"word":"now","start":304.1,"end":304.42,"confidence":0.9781503,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.22326502203941345},{"word":"and","start":304.42,"end":304.58002,"confidence":0.9995653,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2193138897418976},{"word":"i'm","start":304.58002,"end":304.74002,"confidence":0.99996513,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2353009432554245},{"word":"just","start":304.74002,"end":304.90002,"confidence":0.9999168,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2820539176464081},{"word":"doing","start":304.90002,"end":305.38,"confidence":0.99987435,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":0.23300787806510925},{"word":"a","start":305.38,"end":305.54,"confidence":0.9997075,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.26880449056625366},{"word":"quick","start":305.54,"end":306.04,"confidence":0.99991906,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.1973345577716827},{"word":"dummy","start":306.1,"end":306.6,"confidence":0.9997148,"punctuated_word":"dummy","sentiment":"neutral","sentiment_score":0.18058347702026367},{"word":"trade","start":306.74002,"end":307.24002,"confidence":0.79229873,"punctuated_word":"trade,","sentiment":"neutral","sentiment_score":0.23656083643436432},{"word":"and","start":307.665,"end":307.825,"confidence":0.99969137,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2573252022266388},{"word":"i'll","start":307.825,"end":308.065,"confidence":0.9999718,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.24373316764831543},{"word":"let","start":308.065,"end":308.14502,"confidence":0.9999232,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.2985152304172516},{"word":"you","start":308.14502,"end":308.385,"confidence":0.99964476,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.32052770256996155},{"word":"know","start":308.385,"end":308.625,"confidence":0.9998685,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.2941844165325165},{"word":"what","start":308.625,"end":308.86502,"confidence":0.9998746,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.2450357973575592},{"word":"that's","start":308.86502,"end":309.185,"confidence":0.9990815,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.27182722091674805},{"word":"looking","start":309.185,"end":309.505,"confidence":0.99991417,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.1980973482131958},{"word":"like","start":309.505,"end":310.005,"confidence":0.9994731,"punctuated_word":"like.","sentiment":"neutral","sentiment_score":0.12878963351249695},{"word":"so","start":310.58502,"end":311.08502,"confidence":0.87680584,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.09614262729883194},{"word":"again","start":311.665,"end":311.905,"confidence":0.9280306,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.07783839106559753},{"word":"so","start":311.905,"end":312.065,"confidence":0.99817216,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08610443770885468},{"word":"we're","start":312.065,"end":312.225,"confidence":0.99951243,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.09142642468214036},{"word":"thinking","start":312.225,"end":312.625,"confidence":0.9998586,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.06521768867969513},{"word":"347","start":312.625,"end":313.905,"confidence":0.9810845,"punctuated_word":"347","sentiment":"neutral","sentiment_score":0.06904509663581848},{"word":"is","start":313.905,"end":314.065,"confidence":0.99444085,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.03548555076122284},{"word":"retained","start":314.065,"end":314.545,"confidence":0.9997243,"punctuated_word":"retained","sentiment":"neutral","sentiment_score":0.11458180844783784},{"word":"approximately","start":314.545,"end":315.045,"confidence":0.98381466,"punctuated_word":"approximately","sentiment":"neutral","sentiment_score":0.022082790732383728},{"word":"just","start":315.185,"end":315.345,"confidence":0.99427396,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.10193751007318495},{"word":"to","start":315.345,"end":315.505,"confidence":0.99926704,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06177937239408493},{"word":"pay","start":315.505,"end":315.665,"confidence":0.99975604,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.041496098041534424},{"word":"for","start":315.665,"end":316.065,"confidence":0.99887246,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.017731361091136932},{"word":"for","start":316.065,"end":316.225,"confidence":0.938499,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.01717294007539749},{"word":"tax","start":316.225,"end":316.545,"confidence":0.9987649,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.10146630555391312},{"word":"and","start":316.545,"end":316.625,"confidence":0.99912614,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0255347341299057},{"word":"things","start":316.625,"end":316.945,"confidence":0.999175,"punctuated_word":"things","sentiment":"neutral","sentiment_score":-0.0018370002508163452},{"word":"like","start":316.945,"end":317.105,"confidence":0.996752,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.01827610284090042},{"word":"that","start":317.105,"end":317.605,"confidence":0.9950616,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":0.055359575897455215},{"word":"just","start":319.84,"end":319.91998,"confidence":0.5071287,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.09424534440040588},{"word":"gonna","start":319.91998,"end":320.16,"confidence":0.98508966,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.12406322360038756},{"word":"go","start":320.16,"end":320.56,"confidence":0.9975139,"punctuated_word":"go","sentiment":"neutral","sentiment_score":0.10088508576154707},{"word":"to","start":320.56,"end":320.72,"confidence":0.9989579,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1309320330619812},{"word":"a","start":320.72,"end":320.88,"confidence":0.99918264,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1065545305609703},{"word":"full","start":320.88,"end":321.28,"confidence":0.9998462,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.15742039680480957},{"word":"sell","start":321.28,"end":321.52,"confidence":0.97335863,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.11877882480621338},{"word":"down","start":321.52,"end":322.02,"confidence":0.9892943,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.09289096295833588},{"word":"and","start":322.24,"end":322.47998,"confidence":0.9456559,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10571460425853728},{"word":"see","start":322.47998,"end":322.63998,"confidence":0.9980692,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.12034076452255248},{"word":"what","start":322.63998,"end":322.8,"confidence":0.9999201,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.1347522884607315},{"word":"this","start":322.8,"end":323.03998,"confidence":0.9999559,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1378883421421051},{"word":"looks","start":323.03998,"end":323.36,"confidence":0.9994436,"punctuated_word":"looks","sentiment":"neutral","sentiment_score":0.0689580887556076},{"word":"like","start":323.36,"end":323.86,"confidence":0.999137,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07311436533927917},{"word":"and","start":323.91998,"end":324.41998,"confidence":0.8543575,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.16170671582221985},{"word":"estimate","start":325.19998,"end":325.69998,"confidence":0.99191046,"punctuated_word":"estimate.","sentiment":"neutral","sentiment_score":0.09627944231033324},{"word":"just","start":327.36,"end":327.52,"confidence":0.9620165,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.00008085370063781738},{"word":"bear","start":327.52,"end":327.75998,"confidence":0.9997222,"punctuated_word":"bear","sentiment":"neutral","sentiment_score":-0.01316242665052414},{"word":"with","start":327.75998,"end":327.84,"confidence":0.99937433,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.024248287081718445},{"word":"me","start":327.84,"end":328.08,"confidence":0.99991536,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.030026286840438843},{"word":"for","start":328.08,"end":328.32,"confidence":0.99968016,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.01872655749320984},{"word":"two","start":328.32,"end":328.56,"confidence":0.99932396,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.02694445103406906},{"word":"seconds","start":328.56,"end":328.96,"confidence":0.9998683,"punctuated_word":"seconds","sentiment":"neutral","sentiment_score":0.0241934135556221},{"word":"while","start":328.96,"end":329.19998,"confidence":0.99859065,"punctuated_word":"while","sentiment":"neutral","sentiment_score":0.022408947348594666},{"word":"it","start":329.19998,"end":329.36,"confidence":0.970137,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.017026826739311218},{"word":"loads","start":329.36,"end":329.86,"confidence":0.9995233,"punctuated_word":"loads.","sentiment":"neutral","sentiment_score":0.01831846684217453},{"word":"so","start":331.68,"end":332.18,"confidence":0.9978963,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.05719226598739624},{"word":"we've","start":332.815,"end":333.135,"confidence":0.9998807,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.08967067301273346},{"word":"got","start":333.135,"end":333.635,"confidence":0.9999056,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.11372725665569304},{"word":"a","start":333.775,"end":333.935,"confidence":0.99861205,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10282369703054428},{"word":"net","start":333.935,"end":334.175,"confidence":0.99748755,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.1459653079509735},{"word":"this","start":334.335,"end":334.495,"confidence":0.9984377,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.06297832727432251},{"word":"is","start":334.495,"end":334.655,"confidence":0.999869,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.06955753266811371},{"word":"just","start":334.655,"end":334.815,"confidence":0.9994087,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06707925349473953},{"word":"based","start":334.815,"end":335.055,"confidence":0.9998944,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.07727165520191193},{"word":"on","start":335.055,"end":335.215,"confidence":0.9998945,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08358857035636902},{"word":"today's","start":335.215,"end":335.615,"confidence":0.99993044,"punctuated_word":"today's","sentiment":"neutral","sentiment_score":0.0839993804693222},{"word":"unit","start":335.615,"end":335.935,"confidence":0.999897,"punctuated_word":"unit","sentiment":"neutral","sentiment_score":0.07702592015266418},{"word":"prices","start":335.935,"end":336.435,"confidence":0.9921542,"punctuated_word":"prices.","sentiment":"neutral","sentiment_score":0.06851021945476532},{"word":"it'll","start":336.495,"end":336.995,"confidence":0.9747981,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":0.05275793373584747},{"word":"update","start":337.055,"end":337.455,"confidence":0.99971956,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.0689278244972229},{"word":"after","start":337.455,"end":337.775,"confidence":0.9992173,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.04472526162862778},{"word":"about","start":337.775,"end":338.01498,"confidence":0.98556143,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.023346856236457825},{"word":"3pm","start":338.01498,"end":338.835,"confidence":0.95517695,"punctuated_word":"3PM,","sentiment":"neutral","sentiment_score":0.06688438355922699},{"word":"but","start":338.895,"end":339.135,"confidence":0.99959344,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.07199610769748688},{"word":"we've","start":339.135,"end":339.375,"confidence":0.99995184,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.13268320262432098},{"word":"got","start":339.375,"end":339.855,"confidence":0.9997826,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.13111215829849243},{"word":"a","start":339.855,"end":340.355,"confidence":0.9998485,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13498161733150482},{"word":"a","start":341.775,"end":341.935,"confidence":0.9514166,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13658283650875092},{"word":"gross","start":341.935,"end":342.335,"confidence":0.9987362,"punctuated_word":"gross","sentiment":"neutral","sentiment_score":0.013117507100105286},{"word":"gain","start":342.335,"end":342.835,"confidence":0.99979514,"punctuated_word":"gain","sentiment":"neutral","sentiment_score":0.1609593629837036},{"word":"of","start":342.895,"end":343.395,"confidence":0.9998723,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10150625556707382},{"word":"45,903","start":343.615,"end":347.62,"confidence":0.9892556,"punctuated_word":"45,903.","sentiment":"neutral","sentiment_score":0.20333215594291687},{"word":"now","start":348.96,"end":349.36,"confidence":0.9990427,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.0015501528978347778},{"word":"they're","start":349.36,"end":349.59998,"confidence":0.995387,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":-0.02052609622478485},{"word":"going","start":349.59998,"end":350.09998,"confidence":0.99961495,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.015872135758399963},{"word":"the","start":350.8,"end":351.03998,"confidence":0.99936396,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0409092977643013},{"word":"full","start":351.03998,"end":351.36,"confidence":0.99983716,"punctuated_word":"full","sentiment":"neutral","sentiment_score":-0.041116148233413696},{"word":"estimate","start":351.36,"end":351.84,"confidence":0.9987552,"punctuated_word":"estimate","sentiment":"neutral","sentiment_score":-0.10746485739946364},{"word":"for","start":351.84,"end":352.0,"confidence":0.9991872,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.14342984557151794},{"word":"the","start":352.0,"end":352.15997,"confidence":0.99959904,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.1234663873910904},{"word":"worst","start":352.15997,"end":352.47998,"confidence":0.9990283,"punctuated_word":"worst","sentiment":"neutral","sentiment_score":-0.308956116437912},{"word":"case","start":352.47998,"end":352.8,"confidence":0.9997335,"punctuated_word":"case","sentiment":"neutral","sentiment_score":-0.2058357149362564},{"word":"scenario","start":352.8,"end":353.3,"confidence":0.9998653,"punctuated_word":"scenario","sentiment":"neutral","sentiment_score":-0.16354434192180634},{"word":"at","start":353.75998,"end":354.08,"confidence":0.98949325,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.10065159201622008},{"word":"47%","start":354.08,"end":355.3,"confidence":0.999775,"punctuated_word":"47%","sentiment":"neutral","sentiment_score":-0.08567652851343155},{"word":"is","start":355.68,"end":356.08,"confidence":0.99883884,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.089725062251091},{"word":"8,535","start":356.08,"end":358.34,"confidence":0.99737984,"punctuated_word":"8,535.","sentiment":"neutral","sentiment_score":-0.05357484146952629},{"word":"that's","start":358.585,"end":358.905,"confidence":0.9996718,"punctuated_word":"That's","sentiment":"negative","sentiment_score":-0.3360675275325775},{"word":"that's","start":358.905,"end":359.145,"confidence":0.9156064,"punctuated_word":"that's","sentiment":"negative","sentiment_score":-0.3626372516155243},{"word":"a","start":359.145,"end":359.38498,"confidence":0.5196966,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.34383854269981384},{"word":"worst","start":359.38498,"end":359.88498,"confidence":0.96451503,"punctuated_word":"worst","sentiment":"negative","sentiment_score":-0.4591964185237885},{"word":"case","start":362.50497,"end":363.00497,"confidence":0.9989849,"punctuated_word":"case.","sentiment":"negative","sentiment_score":-0.35261452198028564},{"word":"8,000","start":363.705,"end":364.44498,"confidence":0.9381497,"punctuated_word":"8,000.","sentiment":"neutral","sentiment_score":-0.11999247968196868},{"word":"yeah","start":368.585,"end":368.905,"confidence":0.99895847,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03544210270047188},{"word":"that's","start":368.905,"end":369.145,"confidence":0.9990704,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.04144545644521713},{"word":"just","start":369.145,"end":369.465,"confidence":0.99980193,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.03679908812046051},{"word":"hub","start":369.54498,"end":369.78497,"confidence":0.931938,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.14163070917129517},{"word":"twenty","start":369.78497,"end":370.025,"confidence":0.93343294,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.15892502665519714},{"word":"four","start":370.025,"end":370.26498,"confidence":0.9997646,"punctuated_word":"four","sentiment":"neutral","sentiment_score":0.12157323956489564},{"word":"does","start":370.26498,"end":370.425,"confidence":0.9948854,"punctuated_word":"does","sentiment":"neutral","sentiment_score":0.067653127014637},{"word":"a","start":370.425,"end":370.585,"confidence":0.97514015,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.08042466640472412},{"word":"calculation","start":370.585,"end":371.065,"confidence":0.9999498,"punctuated_word":"calculation","sentiment":"neutral","sentiment_score":0.06471358984708786},{"word":"where","start":371.065,"end":371.305,"confidence":0.9954591,"punctuated_word":"where","sentiment":"neutral","sentiment_score":0.022648818790912628},{"word":"they","start":371.305,"end":371.38498,"confidence":0.9999372,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.05645522475242615},{"word":"just","start":371.38498,"end":371.705,"confidence":0.9995277,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06290922313928604},{"word":"estimate","start":371.705,"end":372.10498,"confidence":0.8290807,"punctuated_word":"estimate","sentiment":"neutral","sentiment_score":0.06058083474636078},{"word":"it","start":372.10498,"end":372.26498,"confidence":0.9685268,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.05022403597831726},{"word":"at","start":372.26498,"end":372.425,"confidence":0.97087765,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.03254342079162598},{"word":"the","start":372.425,"end":372.585,"confidence":0.9992999,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1252204179763794},{"word":"highest","start":372.585,"end":373.085,"confidence":0.99992335,"punctuated_word":"highest","sentiment":"neutral","sentiment_score":0.186825692653656},{"word":"rate","start":373.22498,"end":373.72498,"confidence":0.8689376,"punctuated_word":"rate,","sentiment":"neutral","sentiment_score":0.14467346668243408},{"word":"and","start":374.06,"end":374.22,"confidence":0.99963963,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1117204576730728},{"word":"they","start":374.22,"end":374.38,"confidence":0.9982711,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.06280896812677383},{"word":"basically","start":374.38,"end":374.86002,"confidence":0.97387266,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.03679952770471573},{"word":"say","start":374.86002,"end":375.02002,"confidence":0.9993175,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.07350540906190872},{"word":"if","start":375.02002,"end":375.18002,"confidence":0.8702357,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08630819618701935},{"word":"it's","start":375.18002,"end":375.26,"confidence":0.9999091,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.06754256784915924},{"word":"a","start":375.26,"end":375.42,"confidence":0.9998398,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.04956774041056633},{"word":"full","start":375.42,"end":375.82,"confidence":0.99986935,"punctuated_word":"full","sentiment":"neutral","sentiment_score":0.1166720688343048},{"word":"gain","start":375.82,"end":376.22,"confidence":0.99872535,"punctuated_word":"gain","sentiment":"neutral","sentiment_score":0.05249975621700287},{"word":"minus","start":376.22,"end":376.62003,"confidence":0.9881243,"punctuated_word":"minus","sentiment":"neutral","sentiment_score":0.03226969763636589},{"word":"any","start":376.62003,"end":376.86002,"confidence":0.99938,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.05507613718509674},{"word":"losses","start":376.86002,"end":377.18002,"confidence":0.9994814,"punctuated_word":"losses","sentiment":"neutral","sentiment_score":-0.1445779651403427},{"word":"and","start":377.18002,"end":377.42,"confidence":0.98806816,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.008227705955505371},{"word":"discounts","start":377.42,"end":377.82,"confidence":0.9998192,"punctuated_word":"discounts","sentiment":"neutral","sentiment_score":-0.03036271035671234},{"word":"and","start":377.82,"end":377.98,"confidence":0.997895,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.03866308182477951},{"word":"things","start":377.98,"end":378.30002,"confidence":0.9999325,"punctuated_word":"things","sentiment":"neutral","sentiment_score":0.01736804097890854},{"word":"like","start":378.30002,"end":378.46002,"confidence":0.9998,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.09995344281196594},{"word":"that","start":378.46002,"end":378.96002,"confidence":0.9214486,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.13490712642669678},{"word":"they've","start":379.42,"end":379.74002,"confidence":0.8699188,"punctuated_word":"they've","sentiment":"neutral","sentiment_score":0.1827150583267212},{"word":"applied","start":379.74002,"end":380.24002,"confidence":0.9995291,"punctuated_word":"applied","sentiment":"neutral","sentiment_score":0.17286421358585358},{"word":"some","start":380.30002,"end":380.7,"confidence":0.999491,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.1597168743610382},{"word":"cgt","start":380.7,"end":381.18002,"confidence":0.9789187,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":0.12000009417533876},{"word":"discounts","start":381.18002,"end":381.68002,"confidence":0.9572171,"punctuated_word":"discounts.","sentiment":"neutral","sentiment_score":0.15149670839309692},{"word":"it's","start":382.14,"end":382.38,"confidence":0.9985267,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.19220197200775144},{"word":"a","start":382.38,"end":382.62,"confidence":0.99949527,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1848953366279602},{"word":"net","start":382.62,"end":382.78,"confidence":0.9991173,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.1931263506412506},{"word":"capital","start":382.78,"end":383.18002,"confidence":0.99877375,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.05581130087375641},{"word":"gain","start":383.18002,"end":383.42,"confidence":0.99987304,"punctuated_word":"gain","sentiment":"neutral","sentiment_score":0.20141717791557312},{"word":"of","start":383.42,"end":383.74002,"confidence":0.99976355,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1115300953388214},{"word":"$18.01","start":383.74002,"end":384.38,"confidence":0.91705024,"punctuated_word":"$18.01","sentiment":"neutral","sentiment_score":0.14344735443592072},{"word":"$5.09","start":384.38,"end":385.2,"confidence":0.961784,"punctuated_word":"$5.09","sentiment":"neutral","sentiment_score":0.14744210243225098},{"word":"and","start":385.5,"end":385.74002,"confidence":0.62165546,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.05260264128446579},{"word":"then","start":385.74002,"end":386.24002,"confidence":0.9994855,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.0979342758655548},{"word":"47%","start":386.38,"end":387.34,"confidence":0.9996443,"punctuated_word":"47%","sentiment":"neutral","sentiment_score":0.11443974822759628},{"word":"of","start":387.34,"end":387.5,"confidence":0.999762,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.056947797536849976},{"word":"that","start":387.5,"end":387.74002,"confidence":0.88306725,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.08956348150968552},{"word":"8,535","start":387.74002,"end":389.955,"confidence":0.9946367,"punctuated_word":"8,535.","sentiment":"neutral","sentiment_score":0.1301397979259491},{"word":"that's","start":391.955,"end":392.435,"confidence":0.998312,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.33661389350891113},{"word":"the","start":392.435,"end":392.91498,"confidence":0.9992999,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.28669747710227966},{"word":"possible","start":392.91498,"end":393.41498,"confidence":0.98331773,"punctuated_word":"possible.","sentiment":"neutral","sentiment_score":0.2926492691040039},{"word":"yeah","start":410.45,"end":410.95,"confidence":0.912738,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14766526222229004},{"word":"mhmm","start":417.585,"end":418.085,"confidence":0.99654716,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.1113501712679863},{"word":"yep","start":438.575,"end":439.075,"confidence":0.85885006,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.206345796585083},{"word":"that's","start":445.695,"end":445.93503,"confidence":0.81274694,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.07851940393447876},{"word":"following","start":445.93503,"end":446.43503,"confidence":0.9910398,"punctuated_word":"following","sentiment":"neutral","sentiment_score":0.026504218578338623},{"word":"financial","start":446.49503,"end":446.975,"confidence":0.8847856,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.05454883724451065},{"word":"year","start":446.975,"end":447.295,"confidence":0.88589424,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.060796886682510376},{"word":"in","start":447.295,"end":447.695,"confidence":0.57598644,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.06315439194440842},{"word":"2728","start":447.695,"end":449.23502,"confidence":0.96226764,"punctuated_word":"2728.","sentiment":"neutral","sentiment_score":0.10177375376224518},{"word":"yep","start":450.99,"end":451.49,"confidence":0.85433096,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.05892220512032509},{"word":"now","start":453.95,"end":454.27,"confidence":0.98949414,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":0.04267751425504685},{"word":"one","start":454.27,"end":454.51,"confidence":0.996214,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.039698462933301926},{"word":"thing","start":454.51,"end":454.83,"confidence":0.99995804,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.06009338051080704},{"word":"that","start":454.83,"end":455.23,"confidence":0.99986196,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05004922300577164},{"word":"may","start":455.23,"end":455.47,"confidence":0.99422556,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.04885490983724594},{"word":"be","start":455.47,"end":455.71,"confidence":0.9997559,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08252590149641037},{"word":"possible","start":455.71,"end":456.21,"confidence":0.9595766,"punctuated_word":"possible,","sentiment":"neutral","sentiment_score":0.06749845296144485},{"word":"and","start":456.35,"end":456.59,"confidence":0.9995981,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04992615059018135},{"word":"i'm","start":456.59,"end":456.75,"confidence":0.9999083,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.04715359956026077},{"word":"just","start":456.75,"end":456.91,"confidence":0.999793,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.06006774306297302},{"word":"gonna","start":456.91,"end":457.23,"confidence":0.7646496,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.04862339794635773},{"word":"say","start":457.23,"end":457.47,"confidence":0.99906784,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.03207366541028023},{"word":"a","start":457.47,"end":457.55,"confidence":0.90948546,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02465014345943928},{"word":"big","start":457.55,"end":457.79,"confidence":0.9994338,"punctuated_word":"big","sentiment":"neutral","sentiment_score":-0.0016233548521995544},{"word":"maybe","start":457.79,"end":458.11,"confidence":0.9968636,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.013247624039649963},{"word":"here","start":458.11,"end":458.27,"confidence":0.9989687,"punctuated_word":"here","sentiment":"neutral","sentiment_score":-0.00864379107952118},{"word":"because","start":458.27,"end":458.51,"confidence":0.88326705,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.03871640935540199},{"word":"i","start":458.51,"end":458.59,"confidence":0.99983835,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06695795059204102},{"word":"wanna","start":458.59,"end":458.91,"confidence":0.7296852,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.03062450885772705},{"word":"be","start":458.91,"end":458.99,"confidence":0.9973137,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.16762575507164},{"word":"very","start":458.99,"end":459.23,"confidence":0.9998091,"punctuated_word":"very","sentiment":"neutral","sentiment_score":-0.183354914188385},{"word":"careful","start":459.23,"end":459.55,"confidence":0.99994624,"punctuated_word":"careful","sentiment":"neutral","sentiment_score":-0.11583542823791504},{"word":"with","start":459.55,"end":459.79,"confidence":0.9998216,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.059463754296302795},{"word":"it","start":459.79,"end":460.19,"confidence":0.89920735,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":-0.0416826531291008},{"word":"is","start":460.19,"end":460.69,"confidence":0.9996612,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.04874236881732941},{"word":"if","start":460.91,"end":461.15,"confidence":0.99442023,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.053844302892684937},{"word":"we","start":461.15,"end":461.31,"confidence":0.9998932,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.04185456037521362},{"word":"do","start":461.31,"end":461.47,"confidence":0.9999112,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.058497875928878784},{"word":"any","start":461.47,"end":461.79,"confidence":0.9996929,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.1201464980840683},{"word":"kind","start":461.79,"end":462.03,"confidence":0.9989656,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.003727793693542481},{"word":"of","start":462.03,"end":462.27,"confidence":0.99995184,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.048680514097213745},{"word":"concessional","start":462.27,"end":462.77,"confidence":0.9239278,"punctuated_word":"concessional","sentiment":"neutral","sentiment_score":0.03799489885568619},{"word":"contributions","start":462.99,"end":463.49,"confidence":0.9988657,"punctuated_word":"contributions","sentiment":"neutral","sentiment_score":-0.008606880903244019},{"word":"to","start":463.87,"end":464.03,"confidence":0.99974686,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.02436010539531708},{"word":"reduce","start":464.03,"end":464.53,"confidence":0.9998975,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":-0.008378788828849792},{"word":"the","start":465.085,"end":465.245,"confidence":0.99912566,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09756717085838318},{"word":"tax","start":465.245,"end":465.645,"confidence":0.98324144,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":-0.10115773975849152},{"word":"get","start":465.645,"end":465.805,"confidence":0.99963665,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.07468384504318237},{"word":"a","start":465.805,"end":465.88498,"confidence":0.99989724,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05798579752445221},{"word":"bit","start":465.88498,"end":466.125,"confidence":0.99994063,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.039851754903793335},{"word":"more","start":466.125,"end":466.28497,"confidence":0.9997534,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.026478111743927},{"word":"in","start":466.28497,"end":466.60498,"confidence":0.99877745,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.020784631371498108},{"word":"and","start":466.60498,"end":466.845,"confidence":0.75911623,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.042527616024017334},{"word":"reduce","start":466.845,"end":467.245,"confidence":0.99803406,"punctuated_word":"reduce","sentiment":"neutral","sentiment_score":-0.008955791592597961},{"word":"that","start":467.245,"end":467.565,"confidence":0.8644983,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.12359295785427094},{"word":"but","start":467.565,"end":467.805,"confidence":0.9991062,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.04296870529651642},{"word":"actually","start":467.805,"end":468.125,"confidence":0.9534183,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":-0.046083249151706696},{"word":"do","start":468.125,"end":468.625,"confidence":0.9879739,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.00920809805393219},{"word":"that","start":468.76498,"end":468.925,"confidence":0.8247743,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.04667312651872635},{"word":"notice","start":468.925,"end":469.245,"confidence":0.99704164,"punctuated_word":"notice","sentiment":"neutral","sentiment_score":-0.004037782549858093},{"word":"of","start":469.245,"end":469.405,"confidence":0.9991665,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.029995039105415344},{"word":"intent","start":469.405,"end":469.72498,"confidence":0.99941885,"punctuated_word":"intent","sentiment":"neutral","sentiment_score":-0.022444263100624084},{"word":"to","start":469.72498,"end":469.88498,"confidence":0.9979938,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.010107815265655518},{"word":"claim","start":469.88498,"end":470.205,"confidence":0.99983275,"punctuated_word":"claim","sentiment":"neutral","sentiment_score":0.08814821392297745},{"word":"kind","start":470.205,"end":470.365,"confidence":0.7898684,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.06254246085882187},{"word":"of","start":470.365,"end":470.44498,"confidence":0.9993436,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06437484920024872},{"word":"thing","start":470.44498,"end":470.76498,"confidence":0.7420148,"punctuated_word":"thing.","sentiment":"neutral","sentiment_score":0.06597340106964111},{"word":"do","start":470.76498,"end":470.845,"confidence":0.999567,"punctuated_word":"Do","sentiment":"neutral","sentiment_score":-0.03584958612918854},{"word":"you","start":470.845,"end":471.00497,"confidence":0.9997199,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.03836565464735031},{"word":"want","start":471.00497,"end":471.245,"confidence":0.99982387,"punctuated_word":"want","sentiment":"neutral","sentiment_score":0.029949985444545742},{"word":"me","start":471.245,"end":471.32498,"confidence":0.9998945,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.11387591063976288},{"word":"to","start":471.32498,"end":471.485,"confidence":0.9994454,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04057116061449051},{"word":"consider","start":471.485,"end":471.88498,"confidence":0.9998871,"punctuated_word":"consider","sentiment":"neutral","sentiment_score":0.030595354735851288},{"word":"that","start":471.88498,"end":472.125,"confidence":0.91625714,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.03740955516695976},{"word":"or","start":472.125,"end":472.28497,"confidence":0.99980396,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.011255130171775818},{"word":"would","start":472.28497,"end":472.44498,"confidence":0.9965162,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.07416950166225433},{"word":"it","start":472.44498,"end":472.525,"confidence":0.9952674,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.14660105109214783},{"word":"be","start":472.525,"end":472.685,"confidence":0.999015,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.13422931730747223},{"word":"easier","start":472.685,"end":473.00497,"confidence":0.9833402,"punctuated_word":"easier","sentiment":"neutral","sentiment_score":0.16743816435337067},{"word":"just","start":473.00497,"end":473.245,"confidence":0.99746656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.08867871761322021},{"word":"to","start":473.245,"end":473.405,"confidence":0.9998534,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.11983314156532288},{"word":"do","start":473.405,"end":473.88498,"confidence":0.99973005,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1159280762076378},{"word":"this","start":473.88498,"end":474.205,"confidence":0.99926347,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.13085490465164185},{"word":"two","start":474.205,"end":474.44498,"confidence":0.9996216,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.0637548640370369},{"word":"step","start":474.44498,"end":474.76498,"confidence":0.9998574,"punctuated_word":"step","sentiment":"neutral","sentiment_score":0.10864445567131042},{"word":"approach","start":474.76498,"end":475.26498,"confidence":0.99875534,"punctuated_word":"approach?","sentiment":"neutral","sentiment_score":0.10859936475753784},{"word":"yep","start":481.5,"end":482.0,"confidence":0.99760264,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1186295747756958},{"word":"no","start":482.3,"end":482.46,"confidence":0.804075,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.027460657060146332},{"word":"that's","start":482.46,"end":482.78,"confidence":0.9992612,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.4757121205329895},{"word":"easy","start":482.78,"end":483.1,"confidence":0.98343396,"punctuated_word":"easy","sentiment":"positive","sentiment_score":0.4496620297431946},{"word":"done","start":483.1,"end":483.6,"confidence":0.98769176,"punctuated_word":"done.","sentiment":"positive","sentiment_score":0.46239930391311646},{"word":"yeah","start":491.275,"end":491.775,"confidence":0.97303164,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.033131517469882965},{"word":"oh","start":513.13,"end":513.37,"confidence":0.8776357,"punctuated_word":"Oh,","sentiment":"neutral","sentiment_score":0.07485620677471161},{"word":"yeah","start":513.37,"end":513.69,"confidence":0.9917456,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.09564430266618729},{"word":"yeah","start":513.69,"end":514.09,"confidence":0.9996355,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11849737167358398},{"word":"it","start":514.09,"end":514.33,"confidence":0.99944633,"punctuated_word":"It","sentiment":"neutral","sentiment_score":0.08861489593982697},{"word":"should","start":514.33,"end":514.49,"confidence":0.99992335,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.19531935453414917},{"word":"be","start":514.49,"end":514.65,"confidence":0.9998474,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12955647706985474},{"word":"under","start":514.65,"end":514.97,"confidence":0.9998652,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.2414303869009018},{"word":"your","start":514.97,"end":515.45,"confidence":0.999571,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1560957133769989},{"word":"your","start":515.45,"end":515.69,"confidence":0.9994048,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.15803298354148865},{"word":"marginal","start":515.69,"end":516.19,"confidence":0.99773836,"punctuated_word":"marginal","sentiment":"neutral","sentiment_score":0.11077597737312316},{"word":"rate","start":516.33,"end":516.705,"confidence":0.96400046,"punctuated_word":"rate.","sentiment":"neutral","sentiment_score":0.14559461176395416},{"word":"so","start":516.945,"end":517.445,"confidence":0.99977547,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0491492785513401},{"word":"because","start":517.66504,"end":518.16504,"confidence":0.7811539,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.0298047736287117},{"word":"hub","start":518.22504,"end":518.465,"confidence":0.8813398,"punctuated_word":"Hub","sentiment":"neutral","sentiment_score":0.08517416566610336},{"word":"twenty","start":518.465,"end":518.705,"confidence":0.973004,"punctuated_word":"twenty","sentiment":"neutral","sentiment_score":0.1435200273990631},{"word":"four's","start":518.705,"end":519.10504,"confidence":0.95534706,"punctuated_word":"four's","sentiment":"neutral","sentiment_score":0.08455824851989746},{"word":"online","start":519.10504,"end":519.505,"confidence":0.9968658,"punctuated_word":"online","sentiment":"neutral","sentiment_score":0.06382086127996445},{"word":"system","start":519.505,"end":519.905,"confidence":0.9996557,"punctuated_word":"system","sentiment":"neutral","sentiment_score":0.04340095818042755},{"word":"just","start":519.905,"end":520.22504,"confidence":0.9977975,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.02742242068052292},{"word":"assumes","start":520.22504,"end":520.625,"confidence":0.9954515,"punctuated_word":"assumes","sentiment":"neutral","sentiment_score":0.035175126045942307},{"word":"the","start":520.625,"end":520.865,"confidence":0.9994931,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01011495292186737},{"word":"worst","start":520.865,"end":521.025,"confidence":0.9996803,"punctuated_word":"worst","sentiment":"neutral","sentiment_score":-0.08342937380075455},{"word":"case","start":521.025,"end":521.34503,"confidence":0.9997105,"punctuated_word":"case","sentiment":"neutral","sentiment_score":-0.011956475675106049},{"word":"scenario","start":521.34503,"end":521.825,"confidence":0.9784341,"punctuated_word":"scenario,","sentiment":"neutral","sentiment_score":0.022519350051879883},{"word":"they","start":521.825,"end":521.98505,"confidence":0.99959224,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.05267757922410965},{"word":"do","start":521.98505,"end":522.305,"confidence":0.96143764,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.042761631309986115},{"word":"the","start":522.305,"end":522.465,"confidence":0.99903655,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09112676978111268},{"word":"maximum","start":522.465,"end":522.965,"confidence":0.75263625,"punctuated_word":"maximum,","sentiment":"neutral","sentiment_score":0.08994892239570618},{"word":"but","start":523.425,"end":523.66504,"confidence":0.9989525,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.10681165009737016},{"word":"it's","start":523.66504,"end":523.905,"confidence":0.999825,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.0850987583398819},{"word":"based","start":523.905,"end":524.22504,"confidence":0.9999244,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.07749795913696289},{"word":"on","start":524.22504,"end":524.385,"confidence":0.9997347,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08462286740541458},{"word":"all","start":524.465,"end":524.625,"confidence":0.5941782,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.09022414684295654},{"word":"it","start":524.625,"end":524.78503,"confidence":0.98401386,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.07413928210735321},{"word":"is","start":524.78503,"end":525.025,"confidence":0.99670595,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10182853788137436},{"word":"essentially","start":525.025,"end":525.525,"confidence":0.6777592,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.13898877799510956},{"word":"is","start":525.585,"end":525.745,"confidence":0.9922839,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1377546191215515},{"word":"that","start":525.745,"end":525.98505,"confidence":0.992759,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10267413407564165},{"word":"gain","start":525.98505,"end":526.22504,"confidence":0.9739402,"punctuated_word":"gain","sentiment":"neutral","sentiment_score":0.18844839930534363},{"word":"gets","start":526.22504,"end":526.54504,"confidence":0.99615955,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.12354133278131484},{"word":"added","start":526.54504,"end":527.04504,"confidence":0.9998186,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.0976789891719818},{"word":"for","start":527.265,"end":527.425,"confidence":0.9990484,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.115072600543499},{"word":"that","start":527.425,"end":527.66504,"confidence":0.9996184,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1446658819913864},{"word":"financial","start":527.66504,"end":528.145,"confidence":0.9990307,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.0986352413892746},{"word":"year","start":528.145,"end":528.305,"confidence":0.9659438,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.11303596198558807},{"word":"so","start":528.305,"end":528.465,"confidence":0.9973482,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1159779652953148},{"word":"if","start":528.465,"end":528.54504,"confidence":0.998009,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.12908919155597687},{"word":"we","start":528.54504,"end":528.705,"confidence":0.99936086,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.14927582442760468},{"word":"sell","start":528.705,"end":528.945,"confidence":0.9996567,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.1194729581475258},{"word":"it","start":528.945,"end":529.025,"confidence":0.99975866,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10755063593387604},{"word":"now","start":529.025,"end":529.525,"confidence":0.9979353,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":0.1011442169547081},{"word":"gets","start":529.7,"end":530.02,"confidence":0.74340683,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.0905630886554718},{"word":"added","start":530.02,"end":530.26,"confidence":0.99929106,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.08794087171554565},{"word":"to","start":530.26,"end":530.42,"confidence":0.99897754,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13454723358154297},{"word":"your","start":530.42,"end":530.66,"confidence":0.9995709,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.1886516958475113},{"word":"income","start":530.66,"end":531.16,"confidence":0.99988055,"punctuated_word":"income","sentiment":"neutral","sentiment_score":0.16437003016471863},{"word":"split","start":531.46,"end":531.86,"confidence":0.8854535,"punctuated_word":"split,","sentiment":"neutral","sentiment_score":0.17986461520195007},{"word":"of","start":531.86,"end":532.18,"confidence":0.9998437,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08444981276988983},{"word":"course","start":532.18,"end":532.68,"confidence":0.9949561,"punctuated_word":"course,","sentiment":"neutral","sentiment_score":0.11908763647079468},{"word":"for","start":532.74,"end":532.98,"confidence":0.9977164,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.13441428542137146},{"word":"this","start":532.98,"end":533.22,"confidence":0.9999045,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10197186470031738},{"word":"financial","start":533.22,"end":533.7,"confidence":0.9995334,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.07924164086580276},{"word":"year","start":533.7,"end":534.18,"confidence":0.9040141,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.12227779626846312},{"word":"and","start":534.18,"end":534.33997,"confidence":0.99973935,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.09480951726436616},{"word":"then","start":534.33997,"end":534.66,"confidence":0.99952567,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.07319793105125427},{"word":"marginal","start":534.66,"end":535.14,"confidence":0.9873526,"punctuated_word":"marginal","sentiment":"neutral","sentiment_score":0.07974032312631607},{"word":"rate","start":535.14,"end":535.3,"confidence":0.9847519,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.12185171246528624},{"word":"comes","start":535.3,"end":535.62,"confidence":0.99978906,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.08391743898391724},{"word":"off","start":535.62,"end":535.77997,"confidence":0.99840504,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.11313773691654204},{"word":"of","start":535.77997,"end":535.86,"confidence":0.9915221,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.044609710574150085},{"word":"that","start":535.86,"end":536.36,"confidence":0.99963653,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.04634010046720505},{"word":"minus","start":537.54,"end":537.94,"confidence":0.6611682,"punctuated_word":"minus","sentiment":"neutral","sentiment_score":0.05402763187885285},{"word":"that","start":537.94,"end":538.42,"confidence":0.99820447,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0437263548374176},{"word":"50%","start":538.42,"end":539.14,"confidence":0.9995527,"punctuated_word":"50%","sentiment":"neutral","sentiment_score":0.08619266748428345},{"word":"cgt","start":539.14,"end":539.64,"confidence":0.99351776,"punctuated_word":"CGT","sentiment":"neutral","sentiment_score":0.04327605664730072},{"word":"discount","start":539.77997,"end":540.27997,"confidence":0.9995881,"punctuated_word":"discount","sentiment":"neutral","sentiment_score":0.005230516195297241},{"word":"as","start":540.33997,"end":540.5,"confidence":0.8572503,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.04023151099681854},{"word":"long","start":540.5,"end":540.74,"confidence":0.9996891,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.04480145126581192},{"word":"as","start":540.74,"end":540.82,"confidence":0.9981833,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08959607779979706},{"word":"everything's","start":540.82,"end":541.22,"confidence":0.8552264,"punctuated_word":"everything's","sentiment":"neutral","sentiment_score":0.028997158631682396},{"word":"been","start":541.22,"end":541.46,"confidence":0.99795425,"punctuated_word":"been","sentiment":"neutral","sentiment_score":-0.01232009381055832},{"word":"held","start":541.46,"end":541.7,"confidence":0.99988616,"punctuated_word":"held","sentiment":"neutral","sentiment_score":0.01933719217777252},{"word":"for","start":541.7,"end":541.86,"confidence":0.6896781,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.03107364848256111},{"word":"more","start":541.86,"end":542.02,"confidence":0.9883641,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.008077003061771393},{"word":"than","start":542.02,"end":542.26,"confidence":0.9905487,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.020484045147895813},{"word":"a","start":542.26,"end":542.33997,"confidence":0.98283595,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.0020790696144104004},{"word":"year","start":542.33997,"end":542.58,"confidence":0.99997544,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.019500046968460083},{"word":"and","start":542.58,"end":542.82,"confidence":0.99483865,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0034498050808906555},{"word":"so","start":542.82,"end":542.98,"confidence":0.99850404,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.013516783714294434},{"word":"on","start":542.98,"end":543.48,"confidence":0.9988147,"punctuated_word":"on.","sentiment":"neutral","sentiment_score":-0.005979038774967194},{"word":"so","start":543.7,"end":544.2,"confidence":0.936012,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":-0.07126764953136444},{"word":"again","start":544.52496,"end":544.845,"confidence":0.99993354,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":-0.1297854781150818},{"word":"that's","start":544.845,"end":545.245,"confidence":0.99929595,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.25738999247550964},{"word":"worst","start":545.245,"end":545.485,"confidence":0.95875436,"punctuated_word":"worst","sentiment":"negative","sentiment_score":-0.4131523370742798},{"word":"case","start":545.485,"end":545.725,"confidence":0.9818144,"punctuated_word":"case.","sentiment":"neutral","sentiment_score":-0.33048492670059204},{"word":"it","start":545.725,"end":545.885,"confidence":0.9997112,"punctuated_word":"It","sentiment":"neutral","sentiment_score":-0.26780956983566284},{"word":"should","start":545.885,"end":546.045,"confidence":0.9997781,"punctuated_word":"should","sentiment":"neutral","sentiment_score":-0.2092171013355255},{"word":"be","start":546.045,"end":546.545,"confidence":0.99962294,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.2110294997692108},{"word":"a","start":546.685,"end":546.845,"confidence":0.99676657,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2672688961029053},{"word":"bit","start":546.845,"end":547.005,"confidence":0.8664086,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.21382524073123932},{"word":"less","start":547.005,"end":547.325,"confidence":0.99983346,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.15300093591213226},{"word":"than","start":547.325,"end":547.40497,"confidence":0.9996294,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.26336124539375305},{"word":"that","start":547.40497,"end":547.90497,"confidence":0.99889183,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.22730153799057007},{"word":"possibly","start":573.03503,"end":573.35504,"confidence":0.71349055,"punctuated_word":"Possibly","sentiment":"neutral","sentiment_score":-0.143682599067688},{"word":"even","start":573.35504,"end":573.67505,"confidence":0.9655775,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.16698342561721802},{"word":"less","start":573.67505,"end":574.075,"confidence":0.99953675,"punctuated_word":"less","sentiment":"neutral","sentiment_score":-0.15967592597007751},{"word":"because","start":574.075,"end":574.575,"confidence":0.8414497,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.14970755577087402},{"word":"from","start":574.635,"end":574.875,"confidence":0.9710698,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.09196432679891586},{"word":"what","start":574.875,"end":575.115,"confidence":0.99980336,"punctuated_word":"what","sentiment":"neutral","sentiment_score":-0.13381743431091309},{"word":"i'm","start":575.115,"end":575.275,"confidence":0.9999546,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":-0.04592227190732956},{"word":"looking","start":575.275,"end":575.67505,"confidence":0.9998796,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.0544578954577446},{"word":"at","start":575.67505,"end":576.17505,"confidence":0.999739,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.0966574177145958},{"word":"let's","start":577.275,"end":577.67505,"confidence":0.99919355,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.04362204298377037},{"word":"just","start":577.67505,"end":578.17505,"confidence":0.9998541,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05587608367204666},{"word":"have","start":578.23505,"end":578.35504,"confidence":0.9735913,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.05996311083436012},{"word":"a","start":578.35504,"end":578.47504,"confidence":0.9879992,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0604560486972332},{"word":"look","start":578.47504,"end":578.79504,"confidence":0.99992764,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.029392249882221225},{"word":"at","start":578.79504,"end":578.955,"confidence":0.9996786,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.02072778344154358},{"word":"that","start":578.955,"end":579.455,"confidence":0.9998209,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.02025097608566284},{"word":"element","start":581.05,"end":581.55,"confidence":0.99928427,"punctuated_word":"element.","sentiment":"neutral","sentiment_score":0.039725448936223984},{"word":"so","start":581.61,"end":581.85,"confidence":0.9994288,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.04932788014411926},{"word":"if","start":581.85,"end":582.00995,"confidence":0.9018364,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.08341331779956818},{"word":"the","start":582.00995,"end":582.50995,"confidence":0.99959403,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13013173639774325},{"word":"discount's","start":582.64996,"end":583.14996,"confidence":0.63417894,"punctuated_word":"discount's","sentiment":"neutral","sentiment_score":0.1186271235346794},{"word":"applied","start":583.29,"end":583.79,"confidence":0.9833385,"punctuated_word":"applied,","sentiment":"neutral","sentiment_score":0.0879296213388443},{"word":"you're","start":584.49,"end":584.64996,"confidence":0.8911225,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.15099303424358368},{"word":"left","start":584.64996,"end":584.88995,"confidence":0.80683184,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.061138659715652466},{"word":"over","start":584.88995,"end":585.12994,"confidence":0.97008765,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.0626603364944458},{"word":"with","start":585.12994,"end":585.29,"confidence":0.90498245,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.07121690362691879},{"word":"a","start":585.29,"end":585.37,"confidence":0.94078445,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09670864045619965},{"word":"net","start":585.37,"end":585.61,"confidence":0.9996469,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.10581079870462418},{"word":"capital","start":585.61,"end":585.93,"confidence":0.99889475,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":0.02315506339073181},{"word":"gain","start":585.93,"end":586.17,"confidence":0.99970835,"punctuated_word":"gain","sentiment":"neutral","sentiment_score":0.17666634917259216},{"word":"of","start":586.17,"end":586.32996,"confidence":0.9998369,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.08183716982603073},{"word":"$18.01","start":586.32996,"end":586.97,"confidence":0.9834593,"punctuated_word":"$18.01","sentiment":"neutral","sentiment_score":0.10580180585384368},{"word":"$5.09","start":586.97,"end":587.76996,"confidence":0.9150348,"punctuated_word":"$5.09.","sentiment":"neutral","sentiment_score":0.08978185057640076},{"word":"and","start":587.76996,"end":587.93,"confidence":0.9991215,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.03772612661123276},{"word":"then","start":587.93,"end":588.17,"confidence":0.9989992,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.04036173596978187},{"word":"if","start":588.17,"end":588.32996,"confidence":0.99953973,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.05555122718214989},{"word":"that's","start":588.32996,"end":588.64996,"confidence":0.89055026,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.04139851033687592},{"word":"split","start":588.64996,"end":589.05,"confidence":0.99748945,"punctuated_word":"split","sentiment":"neutral","sentiment_score":0.12524816393852234},{"word":"$50.50","start":589.05,"end":589.94995,"confidence":0.9917686,"punctuated_word":"$50.50,","sentiment":"neutral","sentiment_score":0.10356083512306212},{"word":"then","start":590.25,"end":590.56995,"confidence":0.999757,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.10428322851657867},{"word":"really","start":590.56995,"end":591.06995,"confidence":0.72199035,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.10764435678720474},{"word":"$9","start":591.20996,"end":591.76996,"confidence":0.9552624,"punctuated_word":"$9","sentiment":"neutral","sentiment_score":0.13586533069610596},{"word":"gets","start":591.76996,"end":592.00995,"confidence":0.99398625,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.14282488822937012},{"word":"applied","start":592.00995,"end":592.32996,"confidence":0.9816566,"punctuated_word":"applied","sentiment":"neutral","sentiment_score":0.15056172013282776},{"word":"to","start":592.32996,"end":592.49,"confidence":0.99907184,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.15414515137672424},{"word":"each","start":592.49,"end":592.64996,"confidence":0.99958354,"punctuated_word":"each","sentiment":"neutral","sentiment_score":0.15711496770381927},{"word":"of","start":592.64996,"end":592.81,"confidence":0.9994972,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1474919319152832},{"word":"you","start":592.81,"end":593.115,"confidence":0.98009104,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.06582163274288177},{"word":"no","start":601.595,"end":601.675,"confidence":0.9785048,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.3901104629039765},{"word":"unless","start":601.675,"end":602.075,"confidence":0.99798167,"punctuated_word":"Unless","sentiment":"neutral","sentiment_score":-0.29134315252304077},{"word":"you've","start":602.075,"end":602.315,"confidence":0.9974946,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.25184866786003113},{"word":"got","start":602.315,"end":602.475,"confidence":0.9999393,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.17311851680278778},{"word":"some","start":602.475,"end":602.635,"confidence":0.999884,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.16708707809448242},{"word":"other","start":602.635,"end":603.135,"confidence":0.9850916,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.31041571497917175},{"word":"income","start":604.15497,"end":604.555,"confidence":0.99990666,"punctuated_word":"income","sentiment":"neutral","sentiment_score":-0.17937414348125458},{"word":"that's","start":604.555,"end":604.795,"confidence":0.9928857,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.16830061376094818},{"word":"happened","start":604.795,"end":605.115,"confidence":0.99990606,"punctuated_word":"happened","sentiment":"neutral","sentiment_score":-0.30597907304763794},{"word":"in","start":605.115,"end":605.27496,"confidence":0.999889,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.2703382670879364},{"word":"the","start":605.27496,"end":605.435,"confidence":0.9998733,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3012676239013672},{"word":"background","start":605.435,"end":605.915,"confidence":0.9996563,"punctuated_word":"background","sentiment":"negative","sentiment_score":-0.3557557761669159},{"word":"there","start":605.915,"end":606.235,"confidence":0.99862874,"punctuated_word":"there","sentiment":"neutral","sentiment_score":-0.24866333603858948},{"word":"on","start":606.235,"end":606.475,"confidence":0.9996062,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.24340929090976715},{"word":"top","start":606.475,"end":606.975,"confidence":0.982757,"punctuated_word":"top.","sentiment":"neutral","sentiment_score":-0.24426832795143127},{"word":"the","start":615.8,"end":615.96,"confidence":0.34465933,"punctuated_word":"The","sentiment":"neutral","sentiment_score":-0.0020231343805789948},{"word":"banks","start":615.96,"end":616.36005,"confidence":0.98957634,"punctuated_word":"banks","sentiment":"neutral","sentiment_score":0.023947879672050476},{"word":"haven't","start":616.36005,"end":616.52,"confidence":0.9975276,"punctuated_word":"haven't","sentiment":"neutral","sentiment_score":-0.016166511923074722},{"word":"given","start":616.52,"end":616.76,"confidence":0.9950558,"punctuated_word":"given","sentiment":"neutral","sentiment_score":-0.009904760867357254},{"word":"you","start":616.76,"end":616.92004,"confidence":0.9999646,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.003104783594608307},{"word":"a","start":616.92004,"end":617.0,"confidence":0.9998604,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.02101273462176323},{"word":"20%","start":617.0,"end":617.48004,"confidence":0.9993749,"punctuated_word":"20%","sentiment":"neutral","sentiment_score":0.0008646100759506226},{"word":"interest","start":617.48004,"end":617.8,"confidence":0.9998211,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.00006012618541717529},{"word":"rate","start":617.8,"end":617.96,"confidence":0.9981901,"punctuated_word":"rate","sentiment":"neutral","sentiment_score":0.023880019783973697},{"word":"or","start":617.96,"end":618.12,"confidence":0.9997899,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.025802940130233765},{"word":"something","start":618.12,"end":618.44,"confidence":0.99996686,"punctuated_word":"something","sentiment":"neutral","sentiment_score":-0.018347695469856266},{"word":"as","start":618.44,"end":618.60004,"confidence":0.99395293,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.02133135497570038},{"word":"a","start":618.60004,"end":618.76,"confidence":0.98082,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.011931801214814186},{"word":"loyalty","start":618.76,"end":619.16003,"confidence":0.99580127,"punctuated_word":"loyalty","sentiment":"neutral","sentiment_score":-0.026005813851952553},{"word":"discount","start":619.16003,"end":619.56,"confidence":0.9831521,"punctuated_word":"discount,","sentiment":"neutral","sentiment_score":-0.0035062208771705627},{"word":"have","start":619.56,"end":619.72003,"confidence":0.9988907,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0003625266253948212},{"word":"they","start":619.72003,"end":620.115,"confidence":0.95589876,"punctuated_word":"they?","sentiment":"neutral","sentiment_score":-0.019063003361225128},{"word":"yeah","start":639.73,"end":640.13,"confidence":0.9063686,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06815323233604431},{"word":"and","start":640.13,"end":640.29,"confidence":0.99489695,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08568570017814636},{"word":"whatever","start":640.29,"end":640.69,"confidence":0.99937516,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.12996740639209747},{"word":"goes","start":640.69,"end":641.01,"confidence":0.9992161,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":0.13462142646312714},{"word":"in","start":641.01,"end":641.17,"confidence":0.99992144,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.15387803316116333},{"word":"there","start":641.17,"end":641.49,"confidence":0.99987006,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.14381445944309235},{"word":"for","start":641.49,"end":641.65,"confidence":0.9955563,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12385471910238266},{"word":"the","start":641.65,"end":641.73,"confidence":0.99988735,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1165355145931244},{"word":"next","start":641.73,"end":642.05,"confidence":0.9999629,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.08318517357110977},{"word":"couple","start":642.05,"end":642.29,"confidence":0.9998938,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.08157345652580261},{"word":"of","start":642.29,"end":642.45,"confidence":0.9996973,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.09950560331344604},{"word":"months","start":642.45,"end":642.85,"confidence":0.9999286,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.09805431962013245},{"word":"once","start":642.85,"end":643.17,"confidence":0.6373053,"punctuated_word":"once","sentiment":"neutral","sentiment_score":0.14586195349693298},{"word":"all","start":643.17,"end":643.33,"confidence":0.99976057,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.134047731757164},{"word":"of","start":643.33,"end":643.49,"confidence":0.9999063,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12482382357120514},{"word":"this","start":643.49,"end":643.89,"confidence":0.9760859,"punctuated_word":"this,","sentiment":"neutral","sentiment_score":0.1349853873252869},{"word":"let's","start":643.89,"end":644.21,"confidence":0.9996674,"punctuated_word":"let's","sentiment":"neutral","sentiment_score":0.10728930681943892},{"word":"say","start":644.21,"end":644.45,"confidence":0.99277353,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.09678225219249724},{"word":"gets","start":644.45,"end":644.69,"confidence":0.93453294,"punctuated_word":"gets","sentiment":"neutral","sentiment_score":0.10408566892147064},{"word":"deposited","start":644.69,"end":645.19,"confidence":0.9997248,"punctuated_word":"deposited","sentiment":"neutral","sentiment_score":0.10523311793804167},{"word":"in","start":645.41003,"end":645.57,"confidence":0.99990666,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11501969397068024},{"word":"there","start":645.57,"end":645.81,"confidence":0.9998227,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.1571565419435501},{"word":"from","start":645.81,"end":646.31,"confidence":0.99869245,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.12268363684415816},{"word":"the","start":646.605,"end":646.845,"confidence":0.99971634,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15238697826862335},{"word":"sell","start":646.845,"end":647.08496,"confidence":0.98707634,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.15220889449119568},{"word":"down","start":647.08496,"end":647.165,"confidence":0.9428779,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1497509777545929},{"word":"of","start":647.165,"end":647.32495,"confidence":0.9993437,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14715957641601562},{"word":"the","start":647.32495,"end":647.565,"confidence":0.9997223,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09272173047065736},{"word":"investment","start":647.565,"end":648.065,"confidence":0.99990714,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.07487355172634125},{"word":"accounts","start":648.125,"end":648.625,"confidence":0.86847997,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":0.11909333616495132},{"word":"from","start":648.845,"end":649.08496,"confidence":0.9999143,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.14582447707653046},{"word":"the","start":649.08496,"end":649.245,"confidence":0.99992764,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1634184867143631},{"word":"withdrawal","start":649.245,"end":649.745,"confidence":0.9982957,"punctuated_word":"withdrawal","sentiment":"neutral","sentiment_score":0.1332676261663437},{"word":"of","start":649.805,"end":650.045,"confidence":0.99665856,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.12057190388441086},{"word":"pension","start":650.045,"end":650.545,"confidence":0.58590955,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.06653718650341034},{"word":"for","start":651.08496,"end":651.32495,"confidence":0.933293,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.09258991479873656},{"word":"the","start":651.32495,"end":651.485,"confidence":0.9999162,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0889640673995018},{"word":"taxes","start":651.485,"end":651.985,"confidence":0.96344197,"punctuated_word":"taxes,","sentiment":"neutral","sentiment_score":0.10006392002105712},{"word":"the","start":653.08496,"end":653.245,"confidence":0.999212,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1562981754541397},{"word":"interest","start":653.245,"end":653.565,"confidence":0.99881977,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.262111634016037},{"word":"that","start":653.565,"end":653.805,"confidence":0.9912636,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.18587882816791537},{"word":"that","start":653.805,"end":653.96497,"confidence":0.98734635,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1786513477563858},{"word":"earns","start":653.96497,"end":654.365,"confidence":0.96927726,"punctuated_word":"earns","sentiment":"neutral","sentiment_score":0.14393174648284912},{"word":"for","start":654.365,"end":654.52496,"confidence":0.99959546,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12002789974212646},{"word":"a","start":654.52496,"end":654.605,"confidence":0.99976414,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15889719128608704},{"word":"couple","start":654.605,"end":654.845,"confidence":0.9999777,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.13257136940956116},{"word":"of","start":654.845,"end":655.005,"confidence":0.9990409,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17151498794555664},{"word":"months","start":655.005,"end":655.32495,"confidence":0.99979895,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.16143861413002014},{"word":"won't","start":655.32495,"end":655.565,"confidence":0.99815524,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":0.07181279361248016},{"word":"be","start":655.565,"end":655.885,"confidence":0.99989367,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.01971551775932312},{"word":"too","start":655.885,"end":656.045,"confidence":0.99978775,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.11468616873025894},{"word":"much","start":656.045,"end":656.545,"confidence":0.92175823,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.0394618883728981},{"word":"it'll","start":656.925,"end":657.165,"confidence":0.5422083,"punctuated_word":"It'll","sentiment":"neutral","sentiment_score":-0.01361857634037733},{"word":"be","start":657.165,"end":657.32495,"confidence":0.9982564,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.07418008893728256},{"word":"a","start":657.32495,"end":657.40497,"confidence":0.9989506,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.06516457349061966},{"word":"little","start":657.40497,"end":657.64496,"confidence":0.9999194,"punctuated_word":"little","sentiment":"neutral","sentiment_score":-0.1266636997461319},{"word":"bit","start":657.64496,"end":657.885,"confidence":0.96046394,"punctuated_word":"bit,","sentiment":"neutral","sentiment_score":-0.14372286200523376},{"word":"but","start":657.885,"end":658.125,"confidence":0.9994654,"punctuated_word":"but","sentiment":"neutral","sentiment_score":-0.14943349361419678},{"word":"not","start":658.125,"end":658.365,"confidence":0.999841,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.18918071687221527},{"word":"too","start":658.365,"end":658.52496,"confidence":0.9996624,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.25073862075805664},{"word":"much","start":658.52496,"end":659.02496,"confidence":0.9984539,"punctuated_word":"much.","sentiment":"neutral","sentiment_score":-0.1334475874900818},{"word":"yeah","start":671.48505,"end":671.98505,"confidence":0.96389735,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.012061897665262222},{"word":"yeah","start":692.69995,"end":693.1,"confidence":0.8524605,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.016391068696975708},{"word":"they","start":693.1,"end":693.33997,"confidence":0.9915114,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.009119711816310884},{"word":"don't","start":693.33997,"end":693.57996,"confidence":0.9996524,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.0005806609988212585},{"word":"have","start":693.57996,"end":693.74,"confidence":0.9998988,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.010330341756343842},{"word":"you","start":693.74,"end":694.06,"confidence":0.99946886,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.005385175347328186},{"word":"too","start":694.06,"end":694.3,"confidence":0.9980227,"punctuated_word":"too","sentiment":"neutral","sentiment_score":-0.07465052604675293},{"word":"high","start":694.3,"end":694.54,"confidence":0.99993396,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.0512453019618988},{"word":"on","start":694.54,"end":694.77997,"confidence":0.9998411,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.0207507461309433},{"word":"that","start":694.77997,"end":695.115,"confidence":0.9901045,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.006296150386333466},{"word":"that","start":695.355,"end":695.595,"confidence":0.99746776,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.016208305954933167},{"word":"defense","start":695.595,"end":696.075,"confidence":0.98898417,"punctuated_word":"defense","sentiment":"neutral","sentiment_score":-0.10828067362308502},{"word":"pension","start":696.075,"end":696.575,"confidence":0.9904242,"punctuated_word":"pension.","sentiment":"neutral","sentiment_score":-0.07765364646911621},{"word":"they're","start":697.035,"end":697.195,"confidence":0.8554763,"punctuated_word":"They're","sentiment":"neutral","sentiment_score":-0.023617787286639217},{"word":"not","start":697.195,"end":697.355,"confidence":0.9969849,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.049130164086818695},{"word":"pushing","start":697.355,"end":697.675,"confidence":0.84463143,"punctuated_word":"pushing","sentiment":"neutral","sentiment_score":-0.07622666656970978},{"word":"you","start":697.675,"end":697.755,"confidence":0.9466584,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.025145910680294037},{"word":"into","start":697.755,"end":698.255,"confidence":0.9550991,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.06132659316062927},{"word":"really","start":698.315,"end":698.395,"confidence":0.88098353,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.08628042042255402},{"word":"high","start":698.395,"end":698.635,"confidence":0.9994067,"punctuated_word":"high","sentiment":"neutral","sentiment_score":-0.07391056418418884},{"word":"brackets","start":698.635,"end":699.035,"confidence":0.9773683,"punctuated_word":"brackets,","sentiment":"neutral","sentiment_score":-0.044044774025678635},{"word":"are","start":699.035,"end":699.27496,"confidence":0.9990427,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.007630482316017151},{"word":"they","start":699.27496,"end":699.77496,"confidence":0.99957,"punctuated_word":"they?","sentiment":"neutral","sentiment_score":-0.047345876693725586},{"word":"k","start":706.875,"end":707.27496,"confidence":0.9098317,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":-0.006225645542144775},{"word":"so","start":707.27496,"end":707.515,"confidence":0.99930406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01735302433371544},{"word":"that","start":707.515,"end":707.675,"confidence":0.9983026,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05539225786924362},{"word":"was","start":707.675,"end":707.915,"confidence":0.6581712,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.04064787179231644},{"word":"a","start":707.915,"end":708.075,"confidence":0.9996748,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06367095559835434},{"word":"little","start":708.075,"end":708.315,"confidence":0.999949,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.07162578403949738},{"word":"bit","start":708.315,"end":708.475,"confidence":0.99989593,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06304316222667694},{"word":"of","start":708.475,"end":708.635,"confidence":0.99987733,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03065260499715805},{"word":"interest","start":708.635,"end":709.135,"confidence":0.9991079,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.04142291843891144},{"word":"with","start":710.02,"end":710.52,"confidence":0.9998455,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.03545846790075302},{"word":"those","start":710.74,"end":711.06,"confidence":0.9999187,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.0619770884513855},{"word":"amounts","start":711.06,"end":711.46,"confidence":0.99882525,"punctuated_word":"amounts","sentiment":"neutral","sentiment_score":0.028930820524692535},{"word":"on","start":711.46,"end":711.77997,"confidence":0.9999057,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.006238162517547607},{"word":"top","start":711.77997,"end":712.27997,"confidence":0.823636,"punctuated_word":"top.","sentiment":"neutral","sentiment_score":-0.02758832275867462},{"word":"yeah","start":712.98,"end":713.48,"confidence":0.99777997,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.033216118812561035},{"word":"i","start":713.86,"end":714.1,"confidence":0.9987185,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.06474362313747406},{"word":"mean","start":714.1,"end":714.42,"confidence":0.99624157,"punctuated_word":"mean,","sentiment":"neutral","sentiment_score":-0.05086641758680344},{"word":"even","start":714.42,"end":714.92,"confidence":0.9996499,"punctuated_word":"even","sentiment":"neutral","sentiment_score":-0.06787025183439255},{"word":"after","start":715.06,"end":715.38,"confidence":0.9996319,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.06266779452562332},{"word":"the","start":715.38,"end":715.54,"confidence":0.9996904,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0462472066283226},{"word":"tax","start":715.54,"end":715.86,"confidence":0.9998965,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.05065473914146423},{"word":"free","start":715.86,"end":716.1,"confidence":0.995628,"punctuated_word":"free","sentiment":"neutral","sentiment_score":-0.09758343547582626},{"word":"threshold","start":716.1,"end":716.6,"confidence":0.99310195,"punctuated_word":"threshold,","sentiment":"neutral","sentiment_score":-0.07559239864349365},{"word":"you","start":718.26,"end":718.5,"confidence":0.99881786,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.05612534284591675},{"word":"basically","start":718.5,"end":718.98,"confidence":0.9882961,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.08893974870443344},{"word":"only","start":718.98,"end":719.3,"confidence":0.9979632,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.09058995544910432},{"word":"really","start":719.3,"end":719.54,"confidence":0.99914,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.05637003481388092},{"word":"save","start":719.54,"end":720.04,"confidence":0.9980704,"punctuated_word":"save","sentiment":"neutral","sentiment_score":-0.0772322341799736},{"word":"a","start":720.33997,"end":720.42,"confidence":0.70041436,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.03488898277282715},{"word":"couple","start":720.42,"end":720.66,"confidence":0.9998853,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.029655203223228455},{"word":"of","start":720.66,"end":720.82,"confidence":0.9993451,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.0364314466714859},{"word":"percent","start":720.82,"end":721.32,"confidence":0.99960774,"punctuated_word":"percent","sentiment":"neutral","sentiment_score":0.013010576367378237},{"word":"by","start":721.38,"end":721.54,"confidence":0.99988353,"punctuated_word":"by","sentiment":"neutral","sentiment_score":-0.04448892176151275},{"word":"doing","start":721.54,"end":721.77997,"confidence":0.9999739,"punctuated_word":"doing","sentiment":"neutral","sentiment_score":-0.057613641023635864},{"word":"anything","start":721.77997,"end":722.18,"confidence":0.99975246,"punctuated_word":"anything","sentiment":"neutral","sentiment_score":-0.01958781480789185},{"word":"concessionally","start":722.18,"end":722.68,"confidence":0.7957081,"punctuated_word":"concessionally","sentiment":"neutral","sentiment_score":-0.048955343663692474},{"word":"because","start":722.74,"end":722.98,"confidence":0.8797968,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.06484520435333252},{"word":"you've","start":722.98,"end":723.14,"confidence":0.99960613,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":-0.08114030957221985},{"word":"got","start":723.14,"end":723.64,"confidence":0.99983704,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.09142973273992538},{"word":"the","start":724.21497,"end":724.535,"confidence":0.9994474,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10013586282730104},{"word":"medicare","start":724.535,"end":725.035,"confidence":0.9931405,"punctuated_word":"Medicare","sentiment":"neutral","sentiment_score":-0.1258503943681717},{"word":"levy","start":725.175,"end":725.57495,"confidence":0.8771528,"punctuated_word":"levy","sentiment":"neutral","sentiment_score":-0.12832699716091156},{"word":"on","start":725.57495,"end":725.735,"confidence":0.9999473,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.1221667304635048},{"word":"top","start":725.735,"end":726.235,"confidence":0.94652456,"punctuated_word":"top.","sentiment":"neutral","sentiment_score":-0.1272389143705368},{"word":"so","start":728.13495,"end":728.45496,"confidence":0.9975764,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.29221057891845703},{"word":"it's","start":728.45496,"end":728.935,"confidence":0.9997971,"punctuated_word":"it's","sentiment":"negative","sentiment_score":-0.37151357531547546},{"word":"really","start":728.935,"end":729.415,"confidence":0.9997174,"punctuated_word":"really","sentiment":"negative","sentiment_score":-0.5149349570274353},{"word":"not","start":729.415,"end":729.65497,"confidence":0.9999387,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.5461626052856445},{"word":"too","start":729.65497,"end":729.89496,"confidence":0.99637955,"punctuated_word":"too","sentiment":"negative","sentiment_score":-0.5338308215141296},{"word":"worth","start":729.89496,"end":730.21497,"confidence":0.9982279,"punctuated_word":"worth","sentiment":"negative","sentiment_score":-0.4167712926864624},{"word":"it","start":730.21497,"end":730.45496,"confidence":0.9953324,"punctuated_word":"it","sentiment":"negative","sentiment_score":-0.37725332379341125},{"word":"to","start":730.45496,"end":730.535,"confidence":0.999073,"punctuated_word":"to","sentiment":"negative","sentiment_score":-0.4331187605857849},{"word":"try","start":730.535,"end":730.77496,"confidence":0.99976283,"punctuated_word":"try","sentiment":"negative","sentiment_score":-0.4228099882602692},{"word":"and","start":730.77496,"end":730.855,"confidence":0.99912816,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.3010822832584381},{"word":"save","start":730.855,"end":731.175,"confidence":0.99989855,"punctuated_word":"save","sentiment":"neutral","sentiment_score":-0.23790040612220764},{"word":"two","start":731.175,"end":731.33496,"confidence":0.9997743,"punctuated_word":"two","sentiment":"neutral","sentiment_score":-0.2715188264846802},{"word":"or","start":731.33496,"end":731.495,"confidence":0.9841384,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.20085646212100983},{"word":"3%","start":731.495,"end":732.235,"confidence":0.9998902,"punctuated_word":"3%","sentiment":"neutral","sentiment_score":-0.13534098863601685},{"word":"to","start":734.055,"end":734.21497,"confidence":0.9883123,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23254552483558655},{"word":"try","start":734.21497,"end":734.45496,"confidence":0.9999088,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.15640412271022797},{"word":"and","start":734.45496,"end":734.615,"confidence":0.99953353,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.142948716878891},{"word":"minimize","start":734.615,"end":735.115,"confidence":0.99962735,"punctuated_word":"minimize","sentiment":"neutral","sentiment_score":-0.11322487145662308},{"word":"yours","start":735.255,"end":735.755,"confidence":0.99253315,"punctuated_word":"yours.","sentiment":"neutral","sentiment_score":-0.32469385862350464},{"word":"yeah","start":758.405,"end":758.905,"confidence":0.98082757,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.19458678364753723},{"word":"and","start":760.82,"end":761.06,"confidence":0.9668782,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.09151134639978407},{"word":"if","start":761.06,"end":761.22003,"confidence":0.99807215,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.04738061875104904},{"word":"it's","start":761.22003,"end":761.38,"confidence":0.9998367,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.07577396929264069},{"word":"okay","start":761.38,"end":761.7,"confidence":0.9994598,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":-0.04864775761961937},{"word":"with","start":761.7,"end":761.86005,"confidence":0.9634686,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.054633211344480515},{"word":"yeah","start":762.74,"end":762.98004,"confidence":0.98528296,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":-0.043207891285419464},{"word":"go","start":762.98004,"end":763.22003,"confidence":0.9967991,"punctuated_word":"Go","sentiment":"neutral","sentiment_score":-0.033620212227106094},{"word":"for","start":763.22003,"end":763.38,"confidence":0.99698204,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.020358562469482425},{"word":"it","start":763.38,"end":763.88,"confidence":0.8337631,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.025624508038163185},{"word":"sort","start":782.51495,"end":782.75494,"confidence":0.6445845,"punctuated_word":"Sort","sentiment":"neutral","sentiment_score":-0.2639775574207306},{"word":"of","start":782.75494,"end":782.915,"confidence":0.9833008,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.26181626319885254},{"word":"recalculated","start":782.915,"end":783.415,"confidence":0.9241051,"punctuated_word":"recalculated.","sentiment":"neutral","sentiment_score":-0.1559320092201233},{"word":"yeah","start":798.945,"end":799.445,"confidence":0.97110087,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.012795785441994669},{"word":"no","start":821.535,"end":822.01495,"confidence":0.8050744,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10879981517791748},{"word":"they","start":822.01495,"end":822.495,"confidence":0.9703189,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.1011909544467926},{"word":"they","start":822.495,"end":822.65497,"confidence":0.90551054,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.09018117189407349},{"word":"tend","start":822.65497,"end":822.89496,"confidence":0.9994886,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.0687166303396225},{"word":"to","start":822.89496,"end":822.975,"confidence":0.99966633,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.07047149538993835},{"word":"basically","start":822.975,"end":823.375,"confidence":0.97149956,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":-0.09456688910722733},{"word":"just","start":823.375,"end":823.535,"confidence":0.9988458,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.08509057760238647},{"word":"do","start":823.535,"end":823.69495,"confidence":0.99958724,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.06234992668032646},{"word":"a","start":823.69495,"end":823.77496,"confidence":0.9997768,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.05612223967909813},{"word":"bit","start":823.77496,"end":823.855,"confidence":0.9994174,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.07684844732284546},{"word":"of","start":823.855,"end":824.095,"confidence":0.9998356,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.07799425721168518},{"word":"a","start":824.095,"end":824.33496,"confidence":0.9960353,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.08564770966768265},{"word":"a","start":824.33496,"end":824.415,"confidence":0.40133044,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1053834930062294},{"word":"cutoff","start":824.415,"end":824.89496,"confidence":0.79890317,"punctuated_word":"cutoff","sentiment":"neutral","sentiment_score":-0.09958600997924805},{"word":"date","start":824.89496,"end":825.39496,"confidence":0.89003813,"punctuated_word":"date.","sentiment":"neutral","sentiment_score":-0.09139816462993622},{"word":"and","start":825.935,"end":826.435,"confidence":0.9987165,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.015921801328659058},{"word":"once","start":826.975,"end":827.21497,"confidence":0.99905604,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.007044687867164612},{"word":"the","start":827.21497,"end":827.45496,"confidence":0.9997229,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.01363246887922287},{"word":"funds","start":827.45496,"end":827.69495,"confidence":0.99915504,"punctuated_word":"funds","sentiment":"neutral","sentiment_score":-0.02945702150464058},{"word":"are","start":827.69495,"end":827.935,"confidence":0.82281,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.014722485095262527},{"word":"released","start":827.935,"end":828.435,"confidence":0.98192275,"punctuated_word":"released,","sentiment":"neutral","sentiment_score":0.015100225806236269},{"word":"they","start":828.57495,"end":828.735,"confidence":0.99983466,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.001739654690027237},{"word":"do","start":828.735,"end":828.89496,"confidence":0.9998777,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.023137174546718597},{"word":"their","start":828.89496,"end":829.13495,"confidence":0.9893544,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.0034857355058193207},{"word":"calculation","start":829.13495,"end":829.63495,"confidence":0.82358885,"punctuated_word":"calculation.","sentiment":"neutral","sentiment_score":0.005484649911522865},{"word":"they","start":830.33496,"end":830.65497,"confidence":0.99929464,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.027623988687992096},{"word":"add","start":830.65497,"end":830.81494,"confidence":0.9999082,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.0398918054997921},{"word":"that","start":830.81494,"end":831.13495,"confidence":0.99988747,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.032396942377090454},{"word":"on","start":831.13495,"end":831.45496,"confidence":0.6810919,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.04362299293279648},{"word":"to","start":831.45496,"end":831.615,"confidence":0.92682177,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04012312740087509},{"word":"that","start":831.615,"end":832.11,"confidence":0.9973326,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05420888960361481},{"word":"tax","start":832.35,"end":832.75,"confidence":0.99986863,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.03616710007190704},{"word":"assessment","start":832.75,"end":833.25,"confidence":0.99974746,"punctuated_word":"assessment","sentiment":"neutral","sentiment_score":0.021872736513614655},{"word":"from","start":833.31,"end":833.63,"confidence":0.999723,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.06093636900186539},{"word":"previously","start":833.63,"end":834.13,"confidence":0.9979781,"punctuated_word":"previously.","sentiment":"neutral","sentiment_score":0.016842182725667953},{"word":"they","start":834.91,"end":835.07,"confidence":0.7278689,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.10963064432144164},{"word":"just","start":835.07,"end":835.31,"confidence":0.9993948,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.13516423106193542},{"word":"try","start":835.31,"end":835.47,"confidence":0.99913776,"punctuated_word":"try","sentiment":"neutral","sentiment_score":0.14481303095817566},{"word":"and","start":835.47,"end":835.55,"confidence":0.99662507,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.22303356230258944},{"word":"keep","start":835.55,"end":835.79,"confidence":0.9999186,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.22016368806362152},{"word":"their","start":835.79,"end":836.02997,"confidence":0.924456,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.16634264588356018},{"word":"calculations","start":836.02997,"end":836.52997,"confidence":0.9904795,"punctuated_word":"calculations","sentiment":"neutral","sentiment_score":0.11448752880096436},{"word":"pretty","start":836.67,"end":836.99,"confidence":0.99960345,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.2854725122451782},{"word":"clean","start":836.99,"end":837.49,"confidence":0.99894094,"punctuated_word":"clean.","sentiment":"neutral","sentiment_score":0.1189938187599182},{"word":"they","start":837.95,"end":838.45,"confidence":0.99908066,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.07768859714269638},{"word":"chop","start":838.51,"end":838.82996,"confidence":0.9208468,"punctuated_word":"chop","sentiment":"neutral","sentiment_score":0.07451723515987396},{"word":"a","start":838.82996,"end":838.99,"confidence":0.98742175,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.09927241504192352},{"word":"date","start":838.99,"end":839.47,"confidence":0.87587893,"punctuated_word":"date,","sentiment":"neutral","sentiment_score":0.0909736305475235},{"word":"say","start":839.47,"end":839.79,"confidence":0.982002,"punctuated_word":"say","sentiment":"neutral","sentiment_score":0.05091184377670288},{"word":"estimated","start":839.79,"end":840.29,"confidence":0.8381003,"punctuated_word":"estimated","sentiment":"neutral","sentiment_score":0.05673878639936447},{"word":"earnings","start":840.35,"end":840.75,"confidence":0.9996488,"punctuated_word":"earnings","sentiment":"neutral","sentiment_score":0.06464144587516785},{"word":"of","start":840.75,"end":840.91,"confidence":0.999542,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.05306920036673546},{"word":"x","start":840.91,"end":841.14996,"confidence":0.9372106,"punctuated_word":"x,","sentiment":"neutral","sentiment_score":0.0667576938867569},{"word":"y","start":841.14996,"end":841.31,"confidence":0.98074925,"punctuated_word":"y,","sentiment":"neutral","sentiment_score":0.07882854342460632},{"word":"and","start":841.31,"end":841.47,"confidence":0.99900657,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04571382328867912},{"word":"z","start":841.47,"end":841.97,"confidence":0.98091173,"punctuated_word":"z.","sentiment":"neutral","sentiment_score":0.06436017155647278},{"word":"they","start":842.19,"end":842.35,"confidence":0.999316,"punctuated_word":"They","sentiment":"neutral","sentiment_score":0.03221766650676727},{"word":"do","start":842.35,"end":842.51,"confidence":0.99942505,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04382220283150673},{"word":"their","start":842.51,"end":842.67,"confidence":0.9712322,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.01111852377653122},{"word":"calculation","start":842.67,"end":843.17,"confidence":0.9489957,"punctuated_word":"calculation,","sentiment":"neutral","sentiment_score":0.024616166949272156},{"word":"add","start":843.47,"end":843.63,"confidence":0.9828,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.025744274258613583},{"word":"it","start":843.63,"end":843.95,"confidence":0.9935858,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.010041683912277222},{"word":"chop","start":843.95,"end":844.19,"confidence":0.99773836,"punctuated_word":"chop","sentiment":"neutral","sentiment_score":-0.018078774213790897},{"word":"the","start":844.19,"end":844.35,"confidence":0.99920386,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.015698567032814026},{"word":"tax","start":844.35,"end":844.67,"confidence":0.9994666,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.0002675056457519531},{"word":"off","start":844.67,"end":845.115,"confidence":0.9911209,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.044691458344459534},{"word":"they","start":845.115,"end":845.27496,"confidence":0.9992804,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.05860719829797745},{"word":"don't","start":845.27496,"end":845.515,"confidence":0.99990714,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.11337971687316896},{"word":"kind","start":845.515,"end":845.595,"confidence":0.98253495,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.18948662281036377},{"word":"of","start":845.595,"end":845.995,"confidence":0.9998356,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.17644566297531128},{"word":"keep","start":845.995,"end":846.235,"confidence":0.99967384,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":-0.261311411857605},{"word":"trying","start":846.235,"end":846.475,"confidence":0.99548495,"punctuated_word":"trying","sentiment":"neutral","sentiment_score":-0.25285032391548157},{"word":"to","start":846.475,"end":846.555,"confidence":0.9985567,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2841407060623169},{"word":"bite","start":846.555,"end":846.875,"confidence":0.99936527,"punctuated_word":"bite","sentiment":"neutral","sentiment_score":-0.2858664393424988},{"word":"back","start":846.875,"end":846.955,"confidence":0.99914384,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.317397803068161},{"word":"at","start":846.955,"end":847.115,"confidence":0.9797601,"punctuated_word":"at","sentiment":"negative","sentiment_score":-0.3338545262813568},{"word":"the","start":847.115,"end":847.27496,"confidence":0.9986992,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2769652009010315},{"word":"apple","start":847.27496,"end":847.675,"confidence":0.9542089,"punctuated_word":"apple","sentiment":"neutral","sentiment_score":-0.22269488871097565},{"word":"multiple","start":847.675,"end":848.175,"confidence":0.9994987,"punctuated_word":"multiple","sentiment":"neutral","sentiment_score":-0.2662222683429718},{"word":"times","start":848.235,"end":848.735,"confidence":0.98968613,"punctuated_word":"times.","sentiment":"neutral","sentiment_score":-0.16680331528186798},{"word":"they","start":848.955,"end":849.115,"confidence":0.9996613,"punctuated_word":"They","sentiment":"neutral","sentiment_score":-0.03949642181396485},{"word":"try","start":849.115,"end":849.27496,"confidence":0.9989157,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.005510002374649048},{"word":"and","start":849.27496,"end":849.435,"confidence":0.99428964,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.008808553218841553},{"word":"have","start":849.435,"end":849.915,"confidence":0.99988246,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.0029405951499938965},{"word":"a","start":849.915,"end":850.075,"confidence":0.99959964,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.004590373486280441},{"word":"a","start":850.075,"end":850.15497,"confidence":0.5105581,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.006472431123256683},{"word":"bit","start":850.15497,"end":850.315,"confidence":0.99973184,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.003970906138420105},{"word":"of","start":850.315,"end":850.395,"confidence":0.9998404,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.031189613044261932},{"word":"a","start":850.395,"end":850.475,"confidence":0.99950755,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.032949429005384445},{"word":"chop","start":850.475,"end":850.795,"confidence":0.93923,"punctuated_word":"chop","sentiment":"neutral","sentiment_score":-0.035281866788864136},{"word":"date","start":850.795,"end":851.295,"confidence":0.7322562,"punctuated_word":"date.","sentiment":"neutral","sentiment_score":-0.028469432145357132},{"word":"and","start":851.515,"end":851.995,"confidence":0.99790937,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.030131246894598007},{"word":"they","start":851.995,"end":852.235,"confidence":0.9997553,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.042722754180431366},{"word":"would","start":852.235,"end":852.395,"confidence":0.9999393,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.04849354177713394},{"word":"also","start":852.395,"end":852.795,"confidence":0.9996358,"punctuated_word":"also","sentiment":"neutral","sentiment_score":0.04830572381615639},{"word":"kind","start":852.795,"end":852.955,"confidence":0.9953389,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.04111715033650398},{"word":"of","start":852.955,"end":853.195,"confidence":0.9998286,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.057307906448841095},{"word":"base","start":853.195,"end":853.435,"confidence":0.9988294,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.045137081295251846},{"word":"it","start":853.435,"end":853.755,"confidence":0.9996314,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.0676836371421814},{"word":"on","start":853.755,"end":854.15497,"confidence":0.9997323,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.09092022478580476},{"word":"any","start":854.15497,"end":854.555,"confidence":0.9999449,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.08303271979093552},{"word":"information","start":854.555,"end":855.055,"confidence":0.99972624,"punctuated_word":"information","sentiment":"neutral","sentiment_score":0.08259853720664978},{"word":"given","start":855.27496,"end":855.595,"confidence":0.9998766,"punctuated_word":"given","sentiment":"neutral","sentiment_score":0.09014075994491576},{"word":"from","start":855.595,"end":855.83496,"confidence":0.9996141,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.11459039151668549},{"word":"the","start":855.83496,"end":856.075,"confidence":0.99861026,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.09362800419330596},{"word":"superfund","start":856.075,"end":856.575,"confidence":0.81237465,"punctuated_word":"Superfund","sentiment":"neutral","sentiment_score":0.13524380326271057},{"word":"to","start":856.635,"end":856.71497,"confidence":0.9991573,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13376738131046295},{"word":"them","start":856.71497,"end":857.21497,"confidence":0.87070346,"punctuated_word":"them.","sentiment":"neutral","sentiment_score":0.09150588512420654},{"word":"so","start":857.435,"end":857.935,"confidence":0.9993542,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.07588759064674377},{"word":"their","start":858.51,"end":858.75,"confidence":0.9957891,"punctuated_word":"their","sentiment":"neutral","sentiment_score":0.09330898523330688},{"word":"team","start":858.75,"end":859.25,"confidence":0.99984837,"punctuated_word":"team","sentiment":"neutral","sentiment_score":0.1429429054260254},{"word":"packages","start":859.55005,"end":860.03,"confidence":0.99921656,"punctuated_word":"packages","sentiment":"neutral","sentiment_score":0.12684859335422516},{"word":"it","start":860.03,"end":860.19,"confidence":0.99785477,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15162120759487152},{"word":"all","start":860.19,"end":860.43,"confidence":0.99992335,"punctuated_word":"all","sentiment":"neutral","sentiment_score":0.17196711897850037},{"word":"up","start":860.43,"end":860.93,"confidence":0.9893086,"punctuated_word":"up,","sentiment":"neutral","sentiment_score":0.1670466810464859},{"word":"finalizes","start":861.71,"end":862.21,"confidence":0.9989995,"punctuated_word":"finalizes","sentiment":"neutral","sentiment_score":0.13103382289409635},{"word":"everything","start":862.43,"end":862.75,"confidence":0.95944357,"punctuated_word":"everything,","sentiment":"neutral","sentiment_score":0.1290290355682373},{"word":"and","start":862.75,"end":862.99,"confidence":0.9998504,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.08398303389549255},{"word":"that's","start":862.99,"end":863.23004,"confidence":0.99992085,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.05954446643590927},{"word":"why","start":863.23004,"end":863.39,"confidence":0.9995914,"punctuated_word":"why","sentiment":"neutral","sentiment_score":0.02812550589442253},{"word":"you","start":863.39,"end":863.55005,"confidence":0.9998178,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.06262132525444031},{"word":"get","start":863.55005,"end":863.71,"confidence":0.9998179,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.06918960064649582},{"word":"those","start":863.71,"end":864.03,"confidence":0.9997645,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.05164773017168045},{"word":"letters","start":864.03,"end":864.35004,"confidence":0.9993063,"punctuated_word":"letters","sentiment":"neutral","sentiment_score":0.02038967981934547},{"word":"to","start":864.35004,"end":864.59,"confidence":0.9914273,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.037041209638118744},{"word":"kind","start":864.59,"end":864.75,"confidence":0.99457055,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.013535574078559875},{"word":"of","start":864.75,"end":864.83,"confidence":0.99975234,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.03042885661125183},{"word":"say","start":864.83,"end":865.15,"confidence":0.9919621,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.026994332671165463},{"word":"okay","start":865.15,"end":865.65,"confidence":0.861256,"punctuated_word":"okay.","sentiment":"neutral","sentiment_score":0.052330613136291504},{"word":"it's","start":865.79004,"end":866.03,"confidence":0.99892116,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.046468257904052734},{"word":"looking","start":866.03,"end":866.43,"confidence":0.99968207,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":0.05483970418572426},{"word":"like","start":866.43,"end":866.67004,"confidence":0.99782133,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.03971148654818535},{"word":"x","start":866.67004,"end":866.83,"confidence":0.8864341,"punctuated_word":"x,","sentiment":"neutral","sentiment_score":0.05623988434672356},{"word":"y","start":866.83,"end":866.99,"confidence":0.98215336,"punctuated_word":"y,","sentiment":"neutral","sentiment_score":0.05009318888187408},{"word":"and","start":866.99,"end":867.15,"confidence":0.99860746,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.038962870836257935},{"word":"z","start":867.15,"end":867.65,"confidence":0.99928015,"punctuated_word":"z","sentiment":"neutral","sentiment_score":0.04741011559963226},{"word":"rather","start":868.03,"end":868.19,"confidence":0.5213226,"punctuated_word":"rather","sentiment":"neutral","sentiment_score":-0.011975638568401337},{"word":"than","start":868.19,"end":868.43,"confidence":0.9996599,"punctuated_word":"than","sentiment":"neutral","sentiment_score":-0.0409492626786232},{"word":"them","start":868.43,"end":868.67004,"confidence":0.9956227,"punctuated_word":"them","sentiment":"neutral","sentiment_score":-0.08129286766052246},{"word":"saying","start":868.67004,"end":868.99,"confidence":0.9899467,"punctuated_word":"saying,","sentiment":"neutral","sentiment_score":-0.04245702922344208},{"word":"oh","start":868.99,"end":869.15,"confidence":0.97352254,"punctuated_word":"oh,","sentiment":"neutral","sentiment_score":-0.017630059272050858},{"word":"and","start":869.15,"end":869.31,"confidence":0.99961495,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.020064078271389008},{"word":"then","start":869.31,"end":869.55005,"confidence":0.9996315,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.024173494428396225},{"word":"also","start":869.55005,"end":870.05005,"confidence":0.8359531,"punctuated_word":"also","sentiment":"neutral","sentiment_score":-0.02255813032388687},{"word":"we've","start":870.11005,"end":870.61005,"confidence":0.84080446,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.027344269677996635},{"word":"called","start":870.815,"end":870.975,"confidence":0.9968682,"punctuated_word":"called","sentiment":"neutral","sentiment_score":-0.06674473732709885},{"word":"the","start":870.975,"end":871.135,"confidence":0.9983108,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02834663912653923},{"word":"super","start":871.135,"end":871.375,"confidence":0.61563516,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.0003028884530067444},{"word":"funder","start":871.375,"end":871.695,"confidence":0.8136564,"punctuated_word":"funder","sentiment":"neutral","sentiment_score":-0.002443833276629448},{"word":"after","start":871.695,"end":871.935,"confidence":0.99426186,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.030555378645658493},{"word":"this","start":871.935,"end":872.095,"confidence":0.9997737,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.10981716960668564},{"word":"letter","start":872.095,"end":872.33496,"confidence":0.8804711,"punctuated_word":"letter,","sentiment":"neutral","sentiment_score":-0.11414890736341476},{"word":"and","start":872.33496,"end":872.495,"confidence":0.99930084,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.12493619322776794},{"word":"we've","start":872.495,"end":872.65497,"confidence":0.9988028,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":-0.12149548530578612},{"word":"got","start":872.65497,"end":872.89496,"confidence":0.9531981,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.15116354823112488},{"word":"more","start":872.89496,"end":873.135,"confidence":0.9997451,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.13155531883239746},{"word":"information","start":873.135,"end":873.535,"confidence":0.99980754,"punctuated_word":"information","sentiment":"neutral","sentiment_score":-0.1386236548423767},{"word":"about","start":873.535,"end":873.855,"confidence":0.99377924,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.14251546561717987},{"word":"more","start":873.855,"end":874.095,"confidence":0.98691595,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.16620361804962158},{"word":"interest","start":874.095,"end":874.495,"confidence":0.87792945,"punctuated_word":"interest,","sentiment":"neutral","sentiment_score":-0.1968589723110199},{"word":"and","start":874.495,"end":874.975,"confidence":0.99567753,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2027096450328827},{"word":"they","start":874.975,"end":875.21497,"confidence":0.999008,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.2087615877389908},{"word":"don't","start":875.21497,"end":875.375,"confidence":0.9999836,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":-0.23624718189239505},{"word":"tend","start":875.375,"end":875.615,"confidence":0.99967074,"punctuated_word":"tend","sentiment":"neutral","sentiment_score":-0.21463753283023831},{"word":"to","start":875.615,"end":875.77496,"confidence":0.9996302,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.23834334313869476},{"word":"do","start":875.77496,"end":875.855,"confidence":0.99972695,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.30975574254989624},{"word":"that","start":875.855,"end":876.355,"confidence":0.99676085,"punctuated_word":"that.","sentiment":"neutral","sentiment_score":-0.26980337500572205},{"word":"it'd","start":878.65497,"end":878.89496,"confidence":0.7337967,"punctuated_word":"It'd","sentiment":"negative","sentiment_score":-0.5427645444869995},{"word":"be","start":878.89496,"end":878.975,"confidence":0.99452424,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.668988823890686},{"word":"quite","start":878.975,"end":879.21497,"confidence":0.999458,"punctuated_word":"quite","sentiment":"negative","sentiment_score":-0.6693437099456787},{"word":"rude","start":879.21497,"end":879.45496,"confidence":0.9976253,"punctuated_word":"rude","sentiment":"negative","sentiment_score":-0.5877745747566223},{"word":"if","start":879.45496,"end":879.615,"confidence":0.9996183,"punctuated_word":"if","sentiment":"negative","sentiment_score":-0.60323166847229},{"word":"they","start":879.615,"end":879.77496,"confidence":0.999627,"punctuated_word":"they","sentiment":"negative","sentiment_score":-0.486057311296463},{"word":"did","start":879.77496,"end":880.27496,"confidence":0.9960818,"punctuated_word":"did.","sentiment":"negative","sentiment_score":-0.4916695058345794},{"word":"yeah","start":887.79,"end":888.29,"confidence":0.9747628,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03779906779527664},{"word":"you're","start":889.47,"end":889.79,"confidence":0.987034,"punctuated_word":"You're","sentiment":"neutral","sentiment_score":-0.06663740426301956},{"word":"right","start":889.79,"end":890.29,"confidence":0.9985541,"punctuated_word":"right.","sentiment":"neutral","sentiment_score":-0.027708496898412704},{"word":"yeah","start":910.46,"end":910.96,"confidence":0.9430568,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.06018679589033127},{"word":"thank","start":929.675,"end":929.995,"confidence":0.3502076,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5530537962913513},{"word":"you","start":929.995,"end":930.495,"confidence":0.86507285,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.509655773639679},{"word":"one","start":937.06,"end":937.22003,"confidence":0.9297771,"punctuated_word":"One","sentiment":"neutral","sentiment_score":0.0356665775179863},{"word":"thing","start":937.22003,"end":937.46,"confidence":0.99991155,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.0036527439951896663},{"word":"that","start":937.46,"end":937.62,"confidence":0.9997476,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.01755031943321228},{"word":"i","start":937.62,"end":937.78,"confidence":0.9998872,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.022513017058372498},{"word":"wanna","start":937.78,"end":938.02,"confidence":0.8681155,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":-0.01268015056848526},{"word":"sort","start":938.02,"end":938.26,"confidence":0.9935487,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":-0.0404081791639328},{"word":"of","start":938.26,"end":938.42004,"confidence":0.9977818,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.058260515332221985},{"word":"clarify","start":938.42004,"end":938.9,"confidence":0.9996013,"punctuated_word":"clarify","sentiment":"neutral","sentiment_score":-0.01993729919195175},{"word":"with","start":938.9,"end":939.14,"confidence":0.99909437,"punctuated_word":"with","sentiment":"neutral","sentiment_score":-0.022060953080654144},{"word":"you","start":939.14,"end":939.3,"confidence":0.9996106,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.0122569277882576},{"word":"too","start":939.3,"end":939.7,"confidence":0.91096634,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.009330503642559052},{"word":"is","start":939.7,"end":940.2,"confidence":0.9953963,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.0667920857667923},{"word":"just","start":940.26,"end":940.5,"confidence":0.9812655,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.05638454481959343},{"word":"in","start":940.5,"end":940.66003,"confidence":0.9996263,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.04955507442355156},{"word":"terms","start":940.66003,"end":940.9,"confidence":0.999987,"punctuated_word":"terms","sentiment":"neutral","sentiment_score":-0.03728657960891723},{"word":"of","start":940.9,"end":941.22003,"confidence":0.9995977,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.06356034427881241},{"word":"timing","start":941.22003,"end":941.62,"confidence":0.99965036,"punctuated_word":"timing","sentiment":"neutral","sentiment_score":-0.05361287295818329},{"word":"for","start":941.62,"end":941.86,"confidence":0.9997912,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.06118278205394745},{"word":"all","start":941.86,"end":942.02,"confidence":0.9999554,"punctuated_word":"all","sentiment":"neutral","sentiment_score":-0.022658564150333405},{"word":"of","start":942.02,"end":942.10004,"confidence":0.99984133,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.03964774310588837},{"word":"this","start":942.10004,"end":942.60004,"confidence":0.9512701,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":-0.06283038854598999},{"word":"so","start":942.9,"end":943.3,"confidence":0.9994295,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08317349851131439},{"word":"i'll","start":943.3,"end":943.54004,"confidence":0.9997565,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.10239686816930772},{"word":"be","start":943.54004,"end":943.7,"confidence":0.99992,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.14367690682411194},{"word":"going","start":943.7,"end":944.10004,"confidence":0.99990857,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.17441879212856293},{"word":"away","start":944.10004,"end":944.60004,"confidence":0.9998652,"punctuated_word":"away","sentiment":"neutral","sentiment_score":-0.09778790175914764},{"word":"in","start":944.98004,"end":945.22003,"confidence":0.99973994,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.089283287525177},{"word":"june","start":945.22003,"end":945.72003,"confidence":0.9996749,"punctuated_word":"June","sentiment":"neutral","sentiment_score":-0.049966610968112946},{"word":"on","start":946.22504,"end":946.305,"confidence":0.9532666,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.12221299856901167},{"word":"paternity","start":946.305,"end":946.78503,"confidence":0.9213582,"punctuated_word":"paternity","sentiment":"neutral","sentiment_score":-0.11737540364265442},{"word":"leave","start":946.78503,"end":947.28503,"confidence":0.96281725,"punctuated_word":"leave,","sentiment":"neutral","sentiment_score":-0.0924903005361557},{"word":"and","start":947.585,"end":947.825,"confidence":0.9992636,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10347605496644974},{"word":"i","start":947.825,"end":947.985,"confidence":0.99974877,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1893204152584076},{"word":"can","start":947.985,"end":948.305,"confidence":0.9998734,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.22711631655693057},{"word":"essentially","start":948.305,"end":948.78503,"confidence":0.98903847,"punctuated_word":"essentially","sentiment":"neutral","sentiment_score":0.20423021912574768},{"word":"put","start":948.78503,"end":949.025,"confidence":0.9996215,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.18961235880851743},{"word":"together","start":949.025,"end":949.425,"confidence":0.9997502,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.2662440538406372},{"word":"a","start":949.425,"end":949.66504,"confidence":0.9996165,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.22773489356040957},{"word":"plan","start":949.66504,"end":950.16504,"confidence":0.99994767,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.26783668994903564},{"word":"in","start":950.22504,"end":950.72504,"confidence":0.9998642,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2022809386253357},{"word":"may","start":950.945,"end":951.445,"confidence":0.99829334,"punctuated_word":"May","sentiment":"neutral","sentiment_score":0.23247656226158145},{"word":"or","start":951.66504,"end":951.905,"confidence":0.9994474,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.20739366114139557},{"word":"july","start":951.905,"end":952.405,"confidence":0.9018364,"punctuated_word":"July.","sentiment":"neutral","sentiment_score":0.24333491921424863},{"word":"and","start":953.025,"end":953.505,"confidence":0.9985001,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.2584415674209595},{"word":"it's","start":953.505,"end":954.005,"confidence":0.9996536,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.2826491594314575},{"word":"really","start":954.145,"end":954.465,"confidence":0.9998203,"punctuated_word":"really","sentiment":"neutral","sentiment_score":0.2844042479991913},{"word":"up","start":954.465,"end":954.705,"confidence":0.999928,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.2659986615180969},{"word":"to","start":954.705,"end":954.865,"confidence":0.9996549,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2693314552307129},{"word":"you","start":954.865,"end":955.025,"confidence":0.99950814,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3419417142868042},{"word":"guys","start":955.025,"end":955.34503,"confidence":0.9988423,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.2787728011608124},{"word":"about","start":955.34503,"end":955.84503,"confidence":0.99975544,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.2722030282020569},{"word":"timing","start":956.22504,"end":956.625,"confidence":0.9995185,"punctuated_word":"timing","sentiment":"neutral","sentiment_score":0.2101254016160965},{"word":"on","start":956.625,"end":956.865,"confidence":0.9998211,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.2686460614204407},{"word":"this","start":956.865,"end":957.34503,"confidence":0.9981108,"punctuated_word":"this.","sentiment":"neutral","sentiment_score":0.23197007179260257},{"word":"so","start":957.34503,"end":957.585,"confidence":0.9994821,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21198534965515137},{"word":"what","start":957.585,"end":957.825,"confidence":0.9996119,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.18060442805290225},{"word":"i","start":957.825,"end":957.985,"confidence":0.99964035,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1625245362520218},{"word":"mean","start":957.985,"end":958.22504,"confidence":0.9998838,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":0.1432485282421112},{"word":"is","start":958.22504,"end":958.72504,"confidence":0.8004379,"punctuated_word":"is,","sentiment":"neutral","sentiment_score":0.14570847153663635},{"word":"do","start":959.04,"end":959.2,"confidence":0.9996697,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.13580840826034546},{"word":"we","start":959.2,"end":959.51996,"confidence":0.9999516,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.20396718382835388},{"word":"put","start":959.51996,"end":959.83997,"confidence":0.999938,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.14034752547740936},{"word":"together","start":959.83997,"end":960.32,"confidence":0.99992156,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.17324917018413544},{"word":"a","start":960.32,"end":960.48,"confidence":0.99968326,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17138344049453735},{"word":"plan","start":960.48,"end":960.72,"confidence":0.9999716,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.20954200625419617},{"word":"now","start":960.72,"end":961.04,"confidence":0.99982834,"punctuated_word":"now","sentiment":"neutral","sentiment_score":0.18179237842559817},{"word":"for","start":961.04,"end":961.2,"confidence":0.9995247,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1803368628025055},{"word":"the","start":961.2,"end":961.44,"confidence":0.99892527,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17198029160499573},{"word":"sell","start":961.44,"end":961.68,"confidence":0.97792995,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.10487467050552368},{"word":"down","start":961.68,"end":961.83997,"confidence":0.96640086,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.08110102266073227},{"word":"and","start":961.83997,"end":962.08,"confidence":0.99928516,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1080491915345192},{"word":"recontribution","start":962.08,"end":962.58,"confidence":0.971605,"punctuated_word":"recontribution","sentiment":"neutral","sentiment_score":0.1568772792816162},{"word":"of","start":963.04,"end":963.27997,"confidence":0.99969864,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.13282030820846558},{"word":"the","start":963.27997,"end":963.44,"confidence":0.9995889,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11828882992267609},{"word":"investment","start":963.44,"end":963.92,"confidence":0.99978524,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.11387333273887634},{"word":"account","start":963.92,"end":964.42,"confidence":0.99989986,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.17108546197414398},{"word":"over","start":964.72,"end":964.95996,"confidence":0.9997962,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.2078838348388672},{"word":"the","start":964.95996,"end":965.04,"confidence":0.9998498,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.13507306575775146},{"word":"next","start":965.04,"end":965.44,"confidence":0.9999566,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.11209164559841156},{"word":"few","start":965.44,"end":965.68,"confidence":0.99943143,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.16214901208877563},{"word":"weeks","start":965.68,"end":966.18,"confidence":0.9998982,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.13314425945281982},{"word":"and","start":966.64,"end":967.04,"confidence":0.90310186,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.13404740393161774},{"word":"base","start":967.04,"end":967.36,"confidence":0.9883245,"punctuated_word":"base","sentiment":"neutral","sentiment_score":0.16527603566646576},{"word":"it","start":967.36,"end":967.6,"confidence":0.99965966,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15792617201805115},{"word":"on","start":967.6,"end":968.0,"confidence":0.9997749,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.1575540155172348},{"word":"today's","start":968.0,"end":968.48,"confidence":0.9998729,"punctuated_word":"today's","sentiment":"neutral","sentiment_score":0.18802136182785031},{"word":"figures","start":968.48,"end":968.98,"confidence":0.9902336,"punctuated_word":"figures,","sentiment":"neutral","sentiment_score":0.18882855772972107},{"word":"balances","start":969.04,"end":969.54,"confidence":0.9895475,"punctuated_word":"balances,","sentiment":"neutral","sentiment_score":0.18351320922374725},{"word":"and","start":970.0,"end":970.24,"confidence":0.9998233,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.15866579115390778},{"word":"returns","start":970.24,"end":970.74,"confidence":0.87538254,"punctuated_word":"returns?","sentiment":"neutral","sentiment_score":0.12502256035804749},{"word":"or","start":971.71497,"end":972.21497,"confidence":0.9990613,"punctuated_word":"Or","sentiment":"neutral","sentiment_score":0.09866249561309814},{"word":"because","start":972.51495,"end":972.915,"confidence":0.98214036,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.060009296983480453},{"word":"we","start":972.915,"end":973.15497,"confidence":0.99994063,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.126614049077034},{"word":"can","start":973.15497,"end":973.39496,"confidence":0.9992786,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1454198658466339},{"word":"contribute","start":973.39496,"end":973.875,"confidence":0.9999552,"punctuated_word":"contribute","sentiment":"neutral","sentiment_score":0.11208222061395644},{"word":"in","start":973.875,"end":974.115,"confidence":0.99946517,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10493606328964232},{"word":"next","start":974.115,"end":974.435,"confidence":0.99844664,"punctuated_word":"next","sentiment":"neutral","sentiment_score":0.08924302458763123},{"word":"financial","start":974.435,"end":974.935,"confidence":0.999824,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.0997602641582489},{"word":"year","start":974.995,"end":975.495,"confidence":0.99823916,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.08604836463928223},{"word":"do","start":975.555,"end":975.71497,"confidence":0.99771416,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06490296125411987},{"word":"you","start":975.71497,"end":975.795,"confidence":0.99971956,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.08790754526853561},{"word":"wanna","start":975.795,"end":976.035,"confidence":0.81751215,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.09482909739017488},{"word":"sort","start":976.035,"end":976.19495,"confidence":0.99468994,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.0629798024892807},{"word":"of","start":976.19495,"end":976.355,"confidence":0.99928826,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07809489965438843},{"word":"see","start":976.355,"end":976.51495,"confidence":0.9997613,"punctuated_word":"see","sentiment":"neutral","sentiment_score":0.0675879418849945},{"word":"if","start":976.51495,"end":976.675,"confidence":0.9998839,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.0767655074596405},{"word":"there's","start":976.675,"end":976.83496,"confidence":0.9998912,"punctuated_word":"there's","sentiment":"neutral","sentiment_score":0.05146664381027222},{"word":"a","start":976.83496,"end":976.915,"confidence":0.9996544,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.03928203135728836},{"word":"bit","start":976.915,"end":977.07495,"confidence":0.9999236,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.06475526094436646},{"word":"of","start":977.07495,"end":977.235,"confidence":0.9997999,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.019292470067739487},{"word":"a","start":977.235,"end":977.39496,"confidence":0.9961265,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.025099841877818108},{"word":"bounce","start":977.39496,"end":977.71497,"confidence":0.9996284,"punctuated_word":"bounce","sentiment":"neutral","sentiment_score":0.03778703510761261},{"word":"back","start":977.71497,"end":977.875,"confidence":0.98379517,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.007906608283519745},{"word":"in","start":977.875,"end":978.115,"confidence":0.9997539,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.009339243173599243},{"word":"the","start":978.115,"end":978.27496,"confidence":0.9997689,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005060039460659027},{"word":"markets","start":978.27496,"end":978.755,"confidence":0.7324326,"punctuated_word":"markets","sentiment":"neutral","sentiment_score":-0.002110198140144348},{"word":"for","start":978.755,"end":978.915,"confidence":0.99973947,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.029130253940820697},{"word":"a","start":978.915,"end":978.995,"confidence":0.99979895,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.044238634407520294},{"word":"couple","start":978.995,"end":979.235,"confidence":0.9999732,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.0746934711933136},{"word":"of","start":979.235,"end":979.39496,"confidence":0.99956995,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07369110733270645},{"word":"months","start":979.39496,"end":979.795,"confidence":0.99979395,"punctuated_word":"months","sentiment":"neutral","sentiment_score":0.08406281471252441},{"word":"and","start":979.795,"end":980.035,"confidence":0.987369,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0685277134180069},{"word":"do","start":980.035,"end":980.19495,"confidence":0.99980515,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.05097769573330879},{"word":"it","start":980.19495,"end":980.355,"confidence":0.99978024,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.06626581400632858},{"word":"in","start":980.355,"end":980.595,"confidence":0.9996569,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.05795179307460785},{"word":"july","start":980.595,"end":981.07495,"confidence":0.85602176,"punctuated_word":"July,","sentiment":"neutral","sentiment_score":0.06674113124608994},{"word":"august","start":981.07495,"end":981.57495,"confidence":0.9958924,"punctuated_word":"August?","sentiment":"neutral","sentiment_score":0.0798182412981987},{"word":"what","start":983.39496,"end":983.63495,"confidence":0.99913967,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.06443694233894348},{"word":"would","start":983.63495,"end":983.795,"confidence":0.999876,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.07526876032352448},{"word":"be","start":983.795,"end":983.95496,"confidence":0.999856,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.08932958543300629},{"word":"your","start":983.95496,"end":984.115,"confidence":0.9996662,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.059874746948480606},{"word":"preference","start":984.115,"end":984.615,"confidence":0.9996361,"punctuated_word":"preference?","sentiment":"neutral","sentiment_score":0.0788259357213974},{"word":"yeah","start":1013.0,"end":1013.5,"confidence":0.92385256,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.01797494664788246},{"word":"and","start":1017.0,"end":1017.5,"confidence":0.9600256,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.016743328422307968},{"word":"one","start":1017.72003,"end":1017.88,"confidence":0.71982723,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.018317583948373795},{"word":"thing","start":1017.88,"end":1018.12,"confidence":0.9998344,"punctuated_word":"thing","sentiment":"neutral","sentiment_score":0.039111942052841187},{"word":"that","start":1018.12,"end":1018.28,"confidence":0.9998951,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.03011390194296837},{"word":"may","start":1018.28,"end":1018.44,"confidence":0.9338595,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.04972923547029495},{"word":"help","start":1018.44,"end":1018.60004,"confidence":0.9999751,"punctuated_word":"help","sentiment":"neutral","sentiment_score":0.05792006850242615},{"word":"you","start":1018.60004,"end":1018.84,"confidence":0.9999156,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.058440886437892914},{"word":"decide","start":1018.84,"end":1019.24,"confidence":0.99977607,"punctuated_word":"decide","sentiment":"neutral","sentiment_score":0.05425677448511124},{"word":"here","start":1019.24,"end":1019.48004,"confidence":0.9498821,"punctuated_word":"here,","sentiment":"neutral","sentiment_score":0.06619992107152939},{"word":"and","start":1019.48004,"end":1019.72003,"confidence":0.9977951,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04647077247500419},{"word":"this","start":1019.72003,"end":1019.96,"confidence":0.9998951,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.04189405217766762},{"word":"is","start":1019.96,"end":1020.12,"confidence":0.99979526,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.036757759749889374},{"word":"just","start":1020.12,"end":1020.62,"confidence":0.9998074,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0240151546895504},{"word":"based","start":1020.92004,"end":1021.16003,"confidence":0.99968696,"punctuated_word":"based","sentiment":"neutral","sentiment_score":0.02727527916431427},{"word":"on","start":1021.16003,"end":1021.4,"confidence":0.99990475,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.025173671543598175},{"word":"what's","start":1021.4,"end":1021.64,"confidence":0.99994594,"punctuated_word":"what's","sentiment":"neutral","sentiment_score":0.006218604743480682},{"word":"going","start":1021.64,"end":1021.88,"confidence":0.9999596,"punctuated_word":"going","sentiment":"neutral","sentiment_score":-0.004437543451786041},{"word":"on","start":1021.88,"end":1022.04004,"confidence":0.99955064,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.008646156638860703},{"word":"in","start":1022.04004,"end":1022.2,"confidence":0.99966276,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.0031054727733135223},{"word":"the","start":1022.2,"end":1022.28,"confidence":0.99991775,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.005538225173950195},{"word":"world","start":1022.28,"end":1022.60004,"confidence":0.99986017,"punctuated_word":"world","sentiment":"neutral","sentiment_score":-0.0024205371737480164},{"word":"at","start":1022.60004,"end":1022.68,"confidence":0.9990983,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.01287754252552986},{"word":"the","start":1022.68,"end":1022.84,"confidence":0.99984264,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.01456395536661148},{"word":"moment","start":1022.84,"end":1023.34,"confidence":0.9100306,"punctuated_word":"moment,","sentiment":"neutral","sentiment_score":0.008649355731904507},{"word":"that","start":1023.77496,"end":1024.015,"confidence":0.99965477,"punctuated_word":"That","sentiment":"neutral","sentiment_score":-0.040740966796875},{"word":"investment","start":1024.015,"end":1024.495,"confidence":0.9997874,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.10355187952518465},{"word":"account","start":1024.495,"end":1024.815,"confidence":0.9998853,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.12213437259197236},{"word":"that","start":1024.815,"end":1024.975,"confidence":0.99982387,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11582709848880768},{"word":"we're","start":1024.975,"end":1025.215,"confidence":0.9997128,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":-0.08931165933609009},{"word":"looking","start":1025.215,"end":1025.455,"confidence":0.9999542,"punctuated_word":"looking","sentiment":"neutral","sentiment_score":-0.08808687329292297},{"word":"to","start":1025.455,"end":1025.615,"confidence":0.9995183,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.04783887416124344},{"word":"sell","start":1025.615,"end":1025.9349,"confidence":0.9866348,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":-0.07219728827476501},{"word":"down","start":1025.9349,"end":1026.4349,"confidence":0.9991001,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.04230938479304314},{"word":"on","start":1026.895,"end":1027.0549,"confidence":0.7899967,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.07646028697490692},{"word":"the","start":1027.0549,"end":1027.295,"confidence":0.99682766,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10572347790002824},{"word":"january","start":1027.295,"end":1027.935,"confidence":0.9996025,"punctuated_word":"January","sentiment":"neutral","sentiment_score":-0.0310458205640316},{"word":"30","start":1027.935,"end":1028.575,"confidence":0.9996025,"punctuated_word":"30","sentiment":"neutral","sentiment_score":-0.028022401034832},{"word":"was","start":1028.575,"end":1028.735,"confidence":0.98741907,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.11981162428855896},{"word":"sitting","start":1028.735,"end":1029.0549,"confidence":0.99994755,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":-0.10345903038978577},{"word":"at","start":1029.0549,"end":1029.295,"confidence":0.9998098,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.08746691048145294},{"word":"355,000","start":1029.295,"end":1031.075,"confidence":0.9815236,"punctuated_word":"355,000,","sentiment":"neutral","sentiment_score":-0.0807417705655098},{"word":"and","start":1031.535,"end":1031.695,"confidence":0.999559,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09490583837032318},{"word":"then","start":1031.695,"end":1032.095,"confidence":0.99985003,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.08258803188800812},{"word":"that's","start":1032.095,"end":1032.415,"confidence":0.9996634,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.12531861662864685},{"word":"when","start":1032.415,"end":1032.655,"confidence":0.99994934,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.13876330852508545},{"word":"you","start":1032.655,"end":1032.815,"confidence":0.9999298,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.17500735819339752},{"word":"had","start":1032.815,"end":1033.0549,"confidence":0.999395,"punctuated_word":"had","sentiment":"neutral","sentiment_score":-0.1884197294712067},{"word":"the","start":1033.0549,"end":1033.215,"confidence":0.99913186,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.26203927397727966},{"word":"market","start":1033.215,"end":1033.715,"confidence":0.99969864,"punctuated_word":"market","sentiment":"negative","sentiment_score":-0.4564200043678284},{"word":"tumble","start":1033.855,"end":1034.355,"confidence":0.99681926,"punctuated_word":"tumble","sentiment":"neutral","sentiment_score":-0.33257535099983215},{"word":"for","start":1034.495,"end":1034.815,"confidence":0.99142563,"punctuated_word":"for","sentiment":"neutral","sentiment_score":-0.33258241415023804},{"word":"february","start":1034.815,"end":1035.315,"confidence":0.999876,"punctuated_word":"February","sentiment":"neutral","sentiment_score":-0.2934906482696533},{"word":"and","start":1035.375,"end":1035.615,"confidence":0.9968637,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.2850675880908966},{"word":"march","start":1035.615,"end":1036.115,"confidence":0.99643576,"punctuated_word":"March.","sentiment":"neutral","sentiment_score":-0.27602067589759827},{"word":"and","start":1036.575,"end":1036.815,"confidence":0.99935716,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.1693768948316574},{"word":"so","start":1036.815,"end":1037.215,"confidence":0.9984174,"punctuated_word":"so","sentiment":"neutral","sentiment_score":-0.1539643555879593},{"word":"based","start":1037.215,"end":1037.535,"confidence":0.9979157,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.14486482739448547},{"word":"on","start":1037.535,"end":1037.695,"confidence":0.9999262,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.17837446928024292},{"word":"that","start":1037.695,"end":1038.15,"confidence":0.99984825,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.21088573336601257},{"word":"drop","start":1038.31,"end":1038.55,"confidence":0.99807835,"punctuated_word":"drop","sentiment":"neutral","sentiment_score":-0.24285174906253815},{"word":"in","start":1038.55,"end":1038.63,"confidence":0.9996222,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.3089347779750824},{"word":"the","start":1038.63,"end":1038.7101,"confidence":0.9997321,"punctuated_word":"the","sentiment":"negative","sentiment_score":-0.3429833650588989},{"word":"markets","start":1038.7101,"end":1039.11,"confidence":0.9889611,"punctuated_word":"markets,","sentiment":"neutral","sentiment_score":-0.26065829396247864},{"word":"which","start":1039.11,"end":1039.27,"confidence":0.99995995,"punctuated_word":"which","sentiment":"neutral","sentiment_score":-0.2174730896949768},{"word":"is","start":1039.27,"end":1039.43,"confidence":0.9968231,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.24111026525497437},{"word":"around","start":1039.43,"end":1039.67,"confidence":0.99805236,"punctuated_word":"around","sentiment":"neutral","sentiment_score":-0.24490344524383545},{"word":"about","start":1039.67,"end":1039.99,"confidence":0.9985856,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.1875290423631668},{"word":"10%","start":1039.99,"end":1040.55,"confidence":0.99984324,"punctuated_word":"10%","sentiment":"neutral","sentiment_score":-0.1608460694551468},{"word":"in","start":1040.55,"end":1040.7101,"confidence":0.9997273,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.20513644814491272},{"word":"the","start":1040.7101,"end":1040.79,"confidence":0.99978787,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.2287102043628693},{"word":"stock","start":1040.79,"end":1041.03,"confidence":0.9995968,"punctuated_word":"stock","sentiment":"neutral","sentiment_score":-0.1732182502746582},{"word":"market","start":1041.03,"end":1041.53,"confidence":0.9866866,"punctuated_word":"market,","sentiment":"neutral","sentiment_score":-0.182379812002182},{"word":"went","start":1042.23,"end":1042.47,"confidence":0.92688656,"punctuated_word":"went","sentiment":"neutral","sentiment_score":-0.15439872443675995},{"word":"from","start":1042.47,"end":1042.7101,"confidence":0.9993193,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.16073480248451233},{"word":"355,000","start":1042.7101,"end":1044.5701,"confidence":0.985378,"punctuated_word":"355,000","sentiment":"neutral","sentiment_score":-0.1311054527759552},{"word":"to","start":1044.9501,"end":1045.11,"confidence":0.9977526,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.15037353336811066},{"word":"$332,000","start":1045.11,"end":1046.5701,"confidence":0.9849109,"punctuated_word":"$332,000.","sentiment":"neutral","sentiment_score":-0.11103077977895735},{"word":"so","start":1047.1901,"end":1047.35,"confidence":0.9986216,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.09755619615316392},{"word":"that","start":1047.35,"end":1047.51,"confidence":0.9998399,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.12956567108631134},{"word":"was","start":1047.51,"end":1047.75,"confidence":0.9988464,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.14036500453948977},{"word":"about","start":1047.75,"end":1048.15,"confidence":0.9996499,"punctuated_word":"about","sentiment":"neutral","sentiment_score":-0.12470633536577223},{"word":"20,000","start":1048.15,"end":1048.9501,"confidence":0.999807,"punctuated_word":"20,000","sentiment":"neutral","sentiment_score":-0.14053663611412048},{"word":"down","start":1048.9501,"end":1049.4501,"confidence":0.9619571,"punctuated_word":"down.","sentiment":"neutral","sentiment_score":-0.17152363061904907},{"word":"and","start":1049.59,"end":1049.75,"confidence":0.9995592,"punctuated_word":"And","sentiment":"neutral","sentiment_score":-0.07212042808532715},{"word":"then","start":1049.75,"end":1049.99,"confidence":0.99988353,"punctuated_word":"then","sentiment":"neutral","sentiment_score":-0.04429500550031662},{"word":"in","start":1049.99,"end":1050.15,"confidence":0.9986551,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.0791172906756401},{"word":"the","start":1050.15,"end":1050.31,"confidence":0.99977225,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.05375410243868828},{"word":"last","start":1050.31,"end":1050.55,"confidence":0.99991417,"punctuated_word":"last","sentiment":"neutral","sentiment_score":-0.04444389045238495},{"word":"couple","start":1050.55,"end":1050.79,"confidence":0.99980015,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.04694852232933045},{"word":"of","start":1050.79,"end":1050.9501,"confidence":0.9993156,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.023470677435398105},{"word":"weeks","start":1050.9501,"end":1051.27,"confidence":0.99807274,"punctuated_word":"weeks,","sentiment":"neutral","sentiment_score":-0.0357404425740242},{"word":"it's","start":1051.27,"end":1051.43,"confidence":0.998225,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.06348513811826706},{"word":"bounced","start":1051.43,"end":1051.91,"confidence":0.99753845,"punctuated_word":"bounced","sentiment":"neutral","sentiment_score":-0.06280998885631561},{"word":"back","start":1051.91,"end":1052.41,"confidence":0.9992674,"punctuated_word":"back","sentiment":"neutral","sentiment_score":-0.04878774285316467},{"word":"from","start":1052.8451,"end":1053.165,"confidence":0.99898535,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.059888821095228195},{"word":"$3.32","start":1053.165,"end":1054.045,"confidence":0.9988207,"punctuated_word":"$3.32","sentiment":"neutral","sentiment_score":-0.04335448145866394},{"word":"to","start":1054.045,"end":1054.2051,"confidence":0.9991122,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.052329882979393005},{"word":"$3.47","start":1054.2051,"end":1055.265,"confidence":0.9891418,"punctuated_word":"$3.47.","sentiment":"neutral","sentiment_score":-0.024414094164967537},{"word":"so","start":1056.4451,"end":1056.765,"confidence":0.9971174,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.007487338036298752},{"word":"20","start":1056.765,"end":1057.165,"confidence":0.9986971,"punctuated_word":"20","sentiment":"neutral","sentiment_score":0.008097518235445023},{"word":"down","start":1057.165,"end":1057.4851,"confidence":0.8286006,"punctuated_word":"down,","sentiment":"neutral","sentiment_score":-0.003994220867753029},{"word":"15","start":1057.4851,"end":1057.9851,"confidence":0.9952826,"punctuated_word":"15","sentiment":"neutral","sentiment_score":0.025100227445364},{"word":"up","start":1058.045,"end":1058.545,"confidence":0.98156047,"punctuated_word":"up.","sentiment":"neutral","sentiment_score":0.0005577336996793747},{"word":"that's","start":1058.685,"end":1059.185,"confidence":0.9994283,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.009830327704548836},{"word":"the","start":1059.2451,"end":1059.5651,"confidence":0.99924636,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07556293159723282},{"word":"kind","start":1059.5651,"end":1059.805,"confidence":0.99891675,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.08495642244815826},{"word":"of","start":1059.805,"end":1060.045,"confidence":0.999595,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.12555985152721405},{"word":"volatility","start":1060.045,"end":1060.545,"confidence":0.9998565,"punctuated_word":"volatility","sentiment":"neutral","sentiment_score":-0.11771716177463531},{"word":"that's","start":1060.8451,"end":1061.0851,"confidence":0.99964786,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.1455978900194168},{"word":"happening","start":1061.0851,"end":1061.5651,"confidence":0.9999646,"punctuated_word":"happening","sentiment":"neutral","sentiment_score":-0.1425876021385193},{"word":"on","start":1061.5651,"end":1061.7251,"confidence":0.99990976,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.11682920157909392},{"word":"a","start":1061.7251,"end":1061.885,"confidence":0.9995534,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.13671597838401794},{"word":"fortnightly","start":1061.885,"end":1062.385,"confidence":0.9986218,"punctuated_word":"fortnightly","sentiment":"neutral","sentiment_score":-0.0997641459107399},{"word":"to","start":1062.525,"end":1062.685,"confidence":0.99367684,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.10261097550392152},{"word":"monthly","start":1062.685,"end":1063.165,"confidence":0.99842,"punctuated_word":"monthly","sentiment":"neutral","sentiment_score":-0.04827623814344406},{"word":"basis","start":1063.165,"end":1063.665,"confidence":0.98649263,"punctuated_word":"basis.","sentiment":"neutral","sentiment_score":-0.1372845470905304},{"word":"so","start":1064.3651,"end":1064.765,"confidence":0.99922323,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.08006429672241211},{"word":"it's","start":1064.765,"end":1065.005,"confidence":0.999689,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.042988121509552},{"word":"about","start":1065.005,"end":1065.4851,"confidence":0.7369989,"punctuated_word":"about,","sentiment":"neutral","sentiment_score":-0.03295043855905533},{"word":"do","start":1065.4851,"end":1065.5651,"confidence":0.9998005,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.04655343294143677},{"word":"we","start":1065.5651,"end":1066.0651,"confidence":0.9998379,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.01966966688632965},{"word":"chop","start":1066.22,"end":1066.38,"confidence":0.993309,"punctuated_word":"chop","sentiment":"neutral","sentiment_score":-0.1378532648086548},{"word":"it","start":1066.38,"end":1066.62,"confidence":0.998872,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1202973797917366},{"word":"clean","start":1066.62,"end":1066.86,"confidence":0.99978834,"punctuated_word":"clean","sentiment":"neutral","sentiment_score":-0.10250860452651978},{"word":"over","start":1066.86,"end":1067.1,"confidence":0.999899,"punctuated_word":"over","sentiment":"neutral","sentiment_score":-0.04921572655439377},{"word":"the","start":1067.1,"end":1067.18,"confidence":0.99978954,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.07250376045703888},{"word":"next","start":1067.18,"end":1067.42,"confidence":0.99992764,"punctuated_word":"next","sentiment":"neutral","sentiment_score":-0.020565740764141083},{"word":"couple","start":1067.42,"end":1067.66,"confidence":0.999835,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":-0.01624888926744461},{"word":"of","start":1067.66,"end":1067.9,"confidence":0.99962914,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.031827040016651154},{"word":"weeks","start":1067.9,"end":1068.3,"confidence":0.9998629,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":-0.029758594930171967},{"word":"now","start":1068.3,"end":1068.8,"confidence":0.9314722,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.02127343043684959},{"word":"or","start":1068.9401,"end":1069.18,"confidence":0.9995944,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03085584193468094},{"word":"do","start":1069.18,"end":1069.34,"confidence":0.99983776,"punctuated_word":"do","sentiment":"neutral","sentiment_score":-0.030093561857938766},{"word":"we","start":1069.34,"end":1069.5,"confidence":0.99982005,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.007928155362606049},{"word":"let","start":1069.5,"end":1069.66,"confidence":0.99979347,"punctuated_word":"let","sentiment":"neutral","sentiment_score":-0.0342743843793869},{"word":"it","start":1069.66,"end":1069.9,"confidence":0.99974257,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.027276575565338135},{"word":"kind","start":1069.9,"end":1070.4,"confidence":0.99515367,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":-0.03783079609274864},{"word":"of","start":1070.46,"end":1070.62,"confidence":0.99982953,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.04512809589505195},{"word":"fluctuate","start":1070.62,"end":1071.12,"confidence":0.9996984,"punctuated_word":"fluctuate","sentiment":"neutral","sentiment_score":-0.02282199449837208},{"word":"and","start":1071.26,"end":1071.42,"confidence":0.9991461,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.06362555921077728},{"word":"try","start":1071.42,"end":1071.66,"confidence":0.999841,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.04991321638226509},{"word":"to","start":1071.66,"end":1071.8201,"confidence":0.99956316,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.049765825271606445},{"word":"grow","start":1071.8201,"end":1072.3201,"confidence":0.99983454,"punctuated_word":"grow","sentiment":"neutral","sentiment_score":-0.016345426440238953},{"word":"in","start":1072.54,"end":1072.78,"confidence":0.9987431,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.012797102332115172},{"word":"between","start":1072.78,"end":1073.1,"confidence":0.9999131,"punctuated_word":"between","sentiment":"neutral","sentiment_score":-0.01165342703461647},{"word":"now","start":1073.1,"end":1073.42,"confidence":0.99938154,"punctuated_word":"now","sentiment":"neutral","sentiment_score":-0.020862314850091938},{"word":"when","start":1073.42,"end":1073.66,"confidence":0.8838241,"punctuated_word":"when","sentiment":"neutral","sentiment_score":-0.0067643336951732635},{"word":"we","start":1073.66,"end":1073.74,"confidence":0.9993327,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.016774512827396393},{"word":"can","start":1073.74,"end":1073.98,"confidence":0.9994093,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.009199708700180054},{"word":"actually","start":1073.98,"end":1074.22,"confidence":0.9994178,"punctuated_word":"actually","sentiment":"neutral","sentiment_score":0.009104318916797638},{"word":"make","start":1074.22,"end":1074.46,"confidence":0.9996006,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.012981090694665909},{"word":"the","start":1074.46,"end":1074.7001,"confidence":0.99833834,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0034864209592342377},{"word":"transaction","start":1074.7001,"end":1075.2001,"confidence":0.9186908,"punctuated_word":"transaction?","sentiment":"neutral","sentiment_score":-0.0003541652113199234},{"word":"yep","start":1087.1951,"end":1087.6951,"confidence":0.803069,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.028371717780828476},{"word":"yeah","start":1094.17,"end":1094.67,"confidence":0.99455345,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.05277281254529953},{"word":"yeah","start":1101.61,"end":1102.11,"confidence":0.907552,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.024181298911571503},{"word":"yep","start":1118.36,"end":1118.86,"confidence":0.8383733,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.22235524654388428},{"word":"that","start":1119.48,"end":1119.88,"confidence":0.9941606,"punctuated_word":"That","sentiment":"neutral","sentiment_score":0.2609791159629822},{"word":"gives","start":1119.88,"end":1120.12,"confidence":0.9996265,"punctuated_word":"gives","sentiment":"neutral","sentiment_score":0.20258748531341553},{"word":"me","start":1120.12,"end":1120.2799,"confidence":0.9998485,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.2400410771369934},{"word":"a","start":1120.2799,"end":1120.36,"confidence":0.9993759,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2191144973039627},{"word":"bit","start":1120.36,"end":1120.5199,"confidence":0.9998615,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.2174595892429352},{"word":"of","start":1120.5199,"end":1120.76,"confidence":0.9997962,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2264510989189148},{"word":"time","start":1120.76,"end":1121.1599,"confidence":0.999899,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.25705453753471375},{"word":"to","start":1121.1599,"end":1121.6599,"confidence":0.99986494,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24398204684257507},{"word":"look","start":1121.88,"end":1122.12,"confidence":0.9999269,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.21270886063575745},{"word":"at","start":1122.12,"end":1122.2799,"confidence":0.99995935,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2083722352981567},{"word":"the","start":1122.2799,"end":1122.44,"confidence":0.9999434,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.19780464470386505},{"word":"investments","start":1122.44,"end":1122.94,"confidence":0.99943906,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.11784232407808304},{"word":"as","start":1123.1599,"end":1123.24,"confidence":0.9999436,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.21062615513801575},{"word":"well","start":1123.24,"end":1123.74,"confidence":0.999977,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.24892215430736545},{"word":"because","start":1124.0399,"end":1124.5399,"confidence":0.7399721,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.19821324944496155},{"word":"this","start":1124.9199,"end":1125.32,"confidence":0.99969125,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.17050276696681976},{"word":"plan","start":1125.32,"end":1125.5599,"confidence":0.9994748,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.2224794626235962},{"word":"is","start":1125.5599,"end":1125.72,"confidence":0.6374177,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.15290799736976624},{"word":"gonna","start":1125.72,"end":1125.96,"confidence":0.8162469,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.14573688805103302},{"word":"be","start":1125.96,"end":1126.12,"confidence":0.9983474,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.12158720940351486},{"word":"another","start":1126.12,"end":1126.6,"confidence":0.99991393,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.0888928771018982},{"word":"sort","start":1126.6,"end":1126.84,"confidence":0.9938361,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.07864024490118027},{"word":"of","start":1126.84,"end":1127.0,"confidence":0.9997168,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1488722264766693},{"word":"big","start":1127.0,"end":1127.24,"confidence":0.99943954,"punctuated_word":"big","sentiment":"neutral","sentiment_score":0.19326505064964297},{"word":"plan","start":1127.24,"end":1127.72,"confidence":0.9992243,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.1744251847267151},{"word":"talking","start":1127.72,"end":1128.12,"confidence":0.92822224,"punctuated_word":"talking","sentiment":"neutral","sentiment_score":0.12655197083950043},{"word":"about","start":1128.12,"end":1128.62,"confidence":0.9997769,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07099458575248718},{"word":"close","start":1129.0751,"end":1129.395,"confidence":0.9008781,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.16490043699741364},{"word":"down","start":1129.395,"end":1129.635,"confidence":0.99901724,"punctuated_word":"down","sentiment":"neutral","sentiment_score":0.1714654266834259},{"word":"this","start":1129.635,"end":1129.875,"confidence":0.9997131,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.10394331067800522},{"word":"account","start":1129.875,"end":1130.275,"confidence":0.99989784,"punctuated_word":"account","sentiment":"neutral","sentiment_score":0.07372070848941803},{"word":"through","start":1130.275,"end":1130.5951,"confidence":0.86272305,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.1128457710146904},{"word":"these","start":1130.5951,"end":1130.8351,"confidence":0.999432,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.17108464241027832},{"word":"contributions","start":1130.8351,"end":1131.3351,"confidence":0.97844326,"punctuated_word":"contributions.","sentiment":"neutral","sentiment_score":0.0590612068772316},{"word":"once","start":1132.115,"end":1132.355,"confidence":0.99959606,"punctuated_word":"Once","sentiment":"neutral","sentiment_score":0.16076938807964325},{"word":"we","start":1132.355,"end":1132.435,"confidence":0.999961,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.12752552330493927},{"word":"have","start":1132.435,"end":1132.5951,"confidence":0.9999579,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13749034702777865},{"word":"the","start":1132.5951,"end":1132.755,"confidence":0.9999056,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.11097191274166109},{"word":"amounts","start":1132.755,"end":1133.0751,"confidence":0.9882246,"punctuated_word":"amounts","sentiment":"neutral","sentiment_score":0.09231051802635191},{"word":"that","start":1133.0751,"end":1133.235,"confidence":0.9999063,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.13190363347530365},{"word":"you've","start":1133.235,"end":1133.4751,"confidence":0.9999018,"punctuated_word":"you've","sentiment":"neutral","sentiment_score":0.10528897494077682},{"word":"gotten","start":1133.4751,"end":1133.875,"confidence":0.91531664,"punctuated_word":"gotten","sentiment":"neutral","sentiment_score":0.11411383748054504},{"word":"net","start":1133.875,"end":1134.035,"confidence":0.95632714,"punctuated_word":"net","sentiment":"neutral","sentiment_score":0.07557245343923569},{"word":"from","start":1134.035,"end":1134.275,"confidence":0.9999057,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.09217402338981628},{"word":"the","start":1134.275,"end":1134.435,"confidence":0.9994616,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10436534881591795},{"word":"tax","start":1134.435,"end":1134.755,"confidence":0.9978064,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.09126169234514236},{"word":"office","start":1134.755,"end":1135.255,"confidence":0.9988804,"punctuated_word":"office,","sentiment":"neutral","sentiment_score":0.07716359198093414},{"word":"we","start":1135.9551,"end":1136.115,"confidence":0.99929047,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.11390314996242525},{"word":"can","start":1136.115,"end":1136.355,"confidence":0.99988294,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.11068364977836607},{"word":"add","start":1136.355,"end":1136.5951,"confidence":0.9999051,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.09948641061782836},{"word":"that","start":1136.5951,"end":1136.8351,"confidence":0.9998605,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.10124028474092484},{"word":"in","start":1136.8351,"end":1137.0751,"confidence":0.99932075,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.08121684193611145},{"word":"for","start":1137.0751,"end":1137.235,"confidence":0.9997373,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.1103055328130722},{"word":"that","start":1137.235,"end":1137.4751,"confidence":0.99894494,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0932457149028778},{"word":"following","start":1137.4751,"end":1137.875,"confidence":0.98778975,"punctuated_word":"following","sentiment":"neutral","sentiment_score":0.0796143040060997},{"word":"financial","start":1137.875,"end":1138.375,"confidence":0.9992612,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.055785760283470154},{"word":"year","start":1138.435,"end":1138.935,"confidence":0.9989844,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.0884099006652832},{"word":"what","start":1139.3151,"end":1139.555,"confidence":0.9995228,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.15744057297706604},{"word":"i","start":1139.555,"end":1139.635,"confidence":0.9999565,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.15960052609443665},{"word":"can","start":1139.635,"end":1139.875,"confidence":0.9999832,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16828158497810364},{"word":"do","start":1139.875,"end":1139.9551,"confidence":0.9999721,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19621725380420685},{"word":"because","start":1140.035,"end":1140.275,"confidence":0.9998265,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.1928621232509613},{"word":"i'm","start":1140.275,"end":1140.435,"confidence":0.9999537,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.2228769958019257},{"word":"gonna","start":1140.435,"end":1140.755,"confidence":0.98784,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":0.23994457721710205},{"word":"have","start":1140.755,"end":1140.915,"confidence":0.998207,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.17001333832740784},{"word":"to","start":1140.915,"end":1140.995,"confidence":0.9994097,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.21665185689926147},{"word":"get","start":1140.995,"end":1141.235,"confidence":0.9998042,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.1862998902797699},{"word":"the","start":1141.235,"end":1141.3151,"confidence":0.9910555,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18980304896831512},{"word":"money","start":1141.3151,"end":1141.7151,"confidence":0.99995625,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.17183220386505127},{"word":"into","start":1141.7151,"end":1142.115,"confidence":0.99151164,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.14190489053726196},{"word":"super","start":1142.115,"end":1142.615,"confidence":0.83488375,"punctuated_word":"super","sentiment":"neutral","sentiment_score":0.32172468304634094},{"word":"and","start":1142.87,"end":1143.1901,"confidence":0.99466175,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.14524103701114657},{"word":"pension","start":1143.1901,"end":1143.67,"confidence":0.9983176,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.1969282627105713},{"word":"refresh","start":1143.67,"end":1143.99,"confidence":0.7678308,"punctuated_word":"refresh","sentiment":"neutral","sentiment_score":0.16775090992450714},{"word":"it","start":1143.99,"end":1144.15,"confidence":0.8726419,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.27682140469551086},{"word":"that'll","start":1144.15,"end":1144.4701,"confidence":0.99680686,"punctuated_word":"that'll","sentiment":"neutral","sentiment_score":0.2872845530509949},{"word":"be","start":1144.4701,"end":1144.63,"confidence":0.9996301,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.35382625460624695},{"word":"a","start":1144.63,"end":1144.79,"confidence":0.95860505,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.3373646140098572},{"word":"strategy","start":1144.79,"end":1145.1901,"confidence":0.99993694,"punctuated_word":"strategy","sentiment":"neutral","sentiment_score":0.18872231245040896},{"word":"as","start":1145.1901,"end":1145.3501,"confidence":0.9999368,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2835424840450287},{"word":"well","start":1145.3501,"end":1145.75,"confidence":0.9998808,"punctuated_word":"well","sentiment":"neutral","sentiment_score":0.316214382648468},{"word":"to","start":1145.75,"end":1145.8301,"confidence":0.9598207,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26659464836120605},{"word":"get","start":1145.8301,"end":1146.0701,"confidence":0.9999751,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.23937715590000153},{"word":"it","start":1146.0701,"end":1146.15,"confidence":0.99902916,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.21957294642925265},{"word":"back","start":1146.15,"end":1146.31,"confidence":0.99996233,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.18981581926345825},{"word":"into","start":1146.31,"end":1146.63,"confidence":0.9828047,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.15443389117717743},{"word":"pension","start":1146.63,"end":1147.03,"confidence":0.99625516,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.14342853426933289},{"word":"phase","start":1147.03,"end":1147.53,"confidence":0.9769806,"punctuated_word":"phase.","sentiment":"neutral","sentiment_score":0.1896442174911499},{"word":"i","start":1148.7101,"end":1148.87,"confidence":0.99810153,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.25167155265808105},{"word":"can","start":1148.87,"end":1149.03,"confidence":0.9999528,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.24497255682945251},{"word":"use","start":1149.03,"end":1149.3501,"confidence":0.99986124,"punctuated_word":"use","sentiment":"neutral","sentiment_score":0.2521355450153351},{"word":"that","start":1149.3501,"end":1149.5901,"confidence":0.99966323,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.39514005184173584},{"word":"same","start":1149.5901,"end":1149.91,"confidence":0.9998952,"punctuated_word":"same","sentiment":"positive","sentiment_score":0.4180296063423157},{"word":"opportunity","start":1149.91,"end":1150.41,"confidence":0.9998889,"punctuated_word":"opportunity","sentiment":"neutral","sentiment_score":0.2961452901363373},{"word":"to","start":1150.7101,"end":1150.87,"confidence":0.9993266,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3044685125350952},{"word":"review","start":1150.87,"end":1151.27,"confidence":0.9998497,"punctuated_word":"review","sentiment":"neutral","sentiment_score":0.17754018306732178},{"word":"some","start":1151.27,"end":1151.51,"confidence":0.99979013,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.23499871790409088},{"word":"of","start":1151.51,"end":1151.67,"confidence":0.999931,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.26119688153266907},{"word":"the","start":1151.67,"end":1151.8301,"confidence":0.999871,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2858178913593292},{"word":"investments","start":1151.8301,"end":1152.31,"confidence":0.99957424,"punctuated_word":"investments","sentiment":"neutral","sentiment_score":0.12246650457382202},{"word":"in","start":1152.31,"end":1152.4701,"confidence":0.99937326,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.2597528100013733},{"word":"the","start":1152.4701,"end":1152.63,"confidence":0.99959785,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26563236117362976},{"word":"pension","start":1152.63,"end":1153.11,"confidence":0.99994195,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.17043904960155487},{"word":"accounts","start":1153.11,"end":1153.61,"confidence":0.9846394,"punctuated_word":"accounts.","sentiment":"neutral","sentiment_score":0.1988009810447693},{"word":"so","start":1154.0701,"end":1154.55,"confidence":0.9996207,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2489578127861023},{"word":"for","start":1154.55,"end":1154.79,"confidence":0.5759574,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22144678235054016},{"word":"example","start":1154.79,"end":1155.27,"confidence":0.998747,"punctuated_word":"example,","sentiment":"neutral","sentiment_score":0.22384631633758545},{"word":"out","start":1155.27,"end":1155.43,"confidence":0.9997559,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.3216836154460907},{"word":"of","start":1155.43,"end":1155.51,"confidence":0.99991214,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2105141580104828},{"word":"the","start":1155.51,"end":1155.67,"confidence":0.9995377,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.18313349783420563},{"word":"eight","start":1155.67,"end":1155.75,"confidence":0.995545,"punctuated_word":"eight","sentiment":"neutral","sentiment_score":0.15764158964157104},{"word":"options","start":1155.75,"end":1156.15,"confidence":0.999828,"punctuated_word":"options","sentiment":"neutral","sentiment_score":0.10949042439460754},{"word":"that","start":1156.15,"end":1156.31,"confidence":0.99987733,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.17379873991012573},{"word":"are","start":1156.31,"end":1156.4701,"confidence":0.99983954,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.18140411376953125},{"word":"in","start":1156.4701,"end":1156.63,"confidence":0.99979,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1572365760803223},{"word":"there","start":1156.63,"end":1157.055,"confidence":0.9991752,"punctuated_word":"there,","sentiment":"neutral","sentiment_score":0.2286185771226883},{"word":"there","start":1157.055,"end":1157.295,"confidence":0.9982368,"punctuated_word":"there","sentiment":"neutral","sentiment_score":0.26268529891967773},{"word":"might","start":1157.295,"end":1157.4551,"confidence":0.99996316,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.28491947054862976},{"word":"be","start":1157.4551,"end":1157.535,"confidence":0.9993074,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.28404131531715393},{"word":"one","start":1157.535,"end":1157.775,"confidence":0.99990654,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.2756879925727844},{"word":"or","start":1157.775,"end":1158.015,"confidence":0.9996984,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.20256631076335907},{"word":"two","start":1158.015,"end":1158.175,"confidence":0.9997999,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.1810966581106186},{"word":"that","start":1158.175,"end":1158.3351,"confidence":0.9997893,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.33525216579437256},{"word":"we","start":1158.3351,"end":1158.495,"confidence":0.9999064,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.25519081950187683},{"word":"can","start":1158.495,"end":1158.7351,"confidence":0.9995946,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.29099518060684204},{"word":"update","start":1158.7351,"end":1159.2351,"confidence":0.9997421,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.20101754367351532},{"word":"to","start":1159.375,"end":1159.6151,"confidence":0.9991435,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.23724715411663055},{"word":"be","start":1159.6151,"end":1159.6951,"confidence":0.99989045,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.23479846119880676},{"word":"a","start":1159.6951,"end":1159.775,"confidence":0.99984705,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2577167749404907},{"word":"little","start":1159.775,"end":1160.015,"confidence":0.9999504,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.13441139459609985},{"word":"bit","start":1160.015,"end":1160.175,"confidence":0.999655,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.13831248879432678},{"word":"better","start":1160.175,"end":1160.415,"confidence":0.9998796,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.1394094675779343},{"word":"too","start":1160.415,"end":1160.915,"confidence":0.9730072,"punctuated_word":"too.","sentiment":"neutral","sentiment_score":0.2413031309843063},{"word":"we","start":1160.9751,"end":1161.135,"confidence":0.9997285,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.1927189379930496},{"word":"don't","start":1161.135,"end":1161.375,"confidence":0.9999891,"punctuated_word":"don't","sentiment":"neutral","sentiment_score":0.1392509639263153},{"word":"have","start":1161.375,"end":1161.535,"confidence":0.99991465,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.12855321168899536},{"word":"to","start":1161.535,"end":1161.6951,"confidence":0.9995739,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.08579399436712265},{"word":"change","start":1161.6951,"end":1162.015,"confidence":0.9997247,"punctuated_word":"change","sentiment":"neutral","sentiment_score":-0.05590777099132538},{"word":"the","start":1162.015,"end":1162.175,"confidence":0.9993851,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.02835046499967575},{"word":"risk","start":1162.175,"end":1162.415,"confidence":0.99957246,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.0794227123260498},{"word":"level","start":1162.415,"end":1162.8151,"confidence":0.7849848,"punctuated_word":"level.","sentiment":"neutral","sentiment_score":-0.016318511217832565},{"word":"just","start":1162.8151,"end":1163.135,"confidence":0.99970955,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.06914974004030228},{"word":"maybe","start":1163.135,"end":1163.4551,"confidence":0.9969164,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.07199816405773163},{"word":"switch","start":1163.4551,"end":1163.6951,"confidence":0.99930847,"punctuated_word":"switch","sentiment":"neutral","sentiment_score":0.05289740115404129},{"word":"out","start":1163.6951,"end":1163.935,"confidence":0.9960156,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.018648933619260788},{"word":"some","start":1163.935,"end":1164.175,"confidence":0.9920108,"punctuated_word":"some","sentiment":"neutral","sentiment_score":0.01397145539522171},{"word":"fund","start":1164.175,"end":1164.415,"confidence":0.9971307,"punctuated_word":"fund","sentiment":"neutral","sentiment_score":0.0004457235336303711},{"word":"managers","start":1164.415,"end":1164.8151,"confidence":0.9989912,"punctuated_word":"managers","sentiment":"neutral","sentiment_score":0.06717415153980255},{"word":"if","start":1164.8151,"end":1164.9751,"confidence":0.9867424,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.1798330545425415},{"word":"we","start":1164.9751,"end":1165.055,"confidence":0.99968183,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.17452798783779144},{"word":"can","start":1165.055,"end":1165.295,"confidence":0.9997874,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1589343249797821},{"word":"find","start":1165.295,"end":1165.4551,"confidence":0.9996649,"punctuated_word":"find","sentiment":"neutral","sentiment_score":0.08277373015880585},{"word":"a","start":1165.4551,"end":1165.6151,"confidence":0.9996561,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.10760372877120972},{"word":"few","start":1165.6151,"end":1165.775,"confidence":0.99987805,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.04659084230661392},{"word":"better","start":1165.775,"end":1166.015,"confidence":0.9997993,"punctuated_word":"better","sentiment":"neutral","sentiment_score":0.048931241035461426},{"word":"ones","start":1166.015,"end":1166.515,"confidence":0.9988441,"punctuated_word":"ones.","sentiment":"neutral","sentiment_score":0.11979719251394272},{"word":"k","start":1169.63,"end":1170.13,"confidence":0.91589653,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.22587575018405912},{"word":"k","start":1171.63,"end":1172.11,"confidence":0.9964809,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.2171852141618729},{"word":"so","start":1172.11,"end":1172.61,"confidence":0.9871858,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.21842852234840393},{"word":"i'll","start":1172.6699,"end":1172.83,"confidence":0.96150655,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.21834105253219604},{"word":"call","start":1172.83,"end":1172.99,"confidence":0.9970962,"punctuated_word":"call","sentiment":"neutral","sentiment_score":0.16892768442630768},{"word":"it","start":1172.99,"end":1173.1499,"confidence":0.9844677,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15567979216575625},{"word":"a","start":1173.1499,"end":1173.3099,"confidence":0.9965939,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1943066269159317},{"word":"portfolio","start":1173.3099,"end":1173.8099,"confidence":0.99808455,"punctuated_word":"portfolio","sentiment":"neutral","sentiment_score":0.15201887488365173},{"word":"review","start":1174.0299,"end":1174.5299,"confidence":0.9994918,"punctuated_word":"review.","sentiment":"neutral","sentiment_score":0.17241603136062622},{"word":"would","start":1175.23,"end":1175.47,"confidence":0.99932027,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":0.15845081210136414},{"word":"you","start":1175.47,"end":1175.5499,"confidence":0.99989796,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16853728890419006},{"word":"like","start":1175.5499,"end":1175.7899,"confidence":0.9998894,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.17622652649879456},{"word":"me","start":1175.7899,"end":1175.95,"confidence":0.9996401,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.21023058891296387},{"word":"to","start":1175.95,"end":1176.11,"confidence":0.9994797,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1846311390399933},{"word":"do","start":1176.11,"end":1176.35,"confidence":0.9998209,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.1750391572713852},{"word":"that","start":1176.35,"end":1176.6699,"confidence":0.99987173,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21897758543491364},{"word":"to","start":1176.6699,"end":1177.1699,"confidence":0.99901915,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13090848922729492},{"word":"both","start":1177.87,"end":1178.19,"confidence":0.9995278,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.1591402292251587},{"word":"accounts","start":1178.19,"end":1178.69,"confidence":0.8108104,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":0.16254423558712006},{"word":"both","start":1178.9099,"end":1179.1499,"confidence":0.9999101,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.23287665843963623},{"word":"pension","start":1179.1499,"end":1179.5499,"confidence":0.9998,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.17509722709655762},{"word":"accounts","start":1179.5499,"end":1179.87,"confidence":0.90730524,"punctuated_word":"accounts,","sentiment":"neutral","sentiment_score":0.1758885681629181},{"word":"and","start":1179.87,"end":1180.0299,"confidence":0.9984413,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1793103665113449},{"word":"just","start":1180.0299,"end":1180.2699,"confidence":0.99988544,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.20134197175502777},{"word":"make","start":1180.2699,"end":1180.4299,"confidence":0.9994717,"punctuated_word":"make","sentiment":"neutral","sentiment_score":0.17408260703086853},{"word":"sure","start":1180.4299,"end":1180.6699,"confidence":0.99983156,"punctuated_word":"sure","sentiment":"neutral","sentiment_score":0.1623772233724594},{"word":"they're","start":1180.6699,"end":1180.9099,"confidence":0.99962175,"punctuated_word":"they're","sentiment":"neutral","sentiment_score":0.18226103484630585},{"word":"both","start":1180.9099,"end":1181.07,"confidence":0.9999789,"punctuated_word":"both","sentiment":"neutral","sentiment_score":0.20506808161735535},{"word":"up","start":1181.07,"end":1181.3099,"confidence":0.99973994,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.14813260734081268},{"word":"to","start":1181.3099,"end":1181.3899,"confidence":0.99701035,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1522054225206375},{"word":"date","start":1181.3899,"end":1181.865,"confidence":0.99367565,"punctuated_word":"date?","sentiment":"neutral","sentiment_score":0.11955082416534424},{"word":"yep","start":1183.865,"end":1184.365,"confidence":0.9107225,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2295837104320526},{"word":"and","start":1185.945,"end":1186.445,"confidence":0.9970362,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.18842588365077972},{"word":"risk","start":1186.985,"end":1187.225,"confidence":0.99685574,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.08127246797084808},{"word":"level","start":1187.225,"end":1187.625,"confidence":0.9998524,"punctuated_word":"level","sentiment":"neutral","sentiment_score":0.08620947599411011},{"word":"wise","start":1187.625,"end":1188.125,"confidence":0.99923545,"punctuated_word":"wise,","sentiment":"neutral","sentiment_score":0.16110607981681824},{"word":"your","start":1188.905,"end":1189.145,"confidence":0.99914885,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.11616480350494383},{"word":"pension","start":1189.145,"end":1189.625,"confidence":0.9999572,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.10099021345376968},{"word":"accounts","start":1189.625,"end":1189.865,"confidence":0.83355695,"punctuated_word":"accounts","sentiment":"neutral","sentiment_score":0.04738963395357132},{"word":"are","start":1189.865,"end":1190.105,"confidence":0.9453803,"punctuated_word":"are","sentiment":"neutral","sentiment_score":0.09228559583425522},{"word":"sitting","start":1190.105,"end":1190.345,"confidence":0.9999219,"punctuated_word":"sitting","sentiment":"neutral","sentiment_score":0.18099495768547055},{"word":"at","start":1190.345,"end":1190.585,"confidence":0.9947686,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.1442776471376419},{"word":"around","start":1190.585,"end":1190.985,"confidence":0.95383143,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.1412738859653473},{"word":"about","start":1190.985,"end":1191.485,"confidence":0.9844327,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.08666247129440308},{"word":"just","start":1192.105,"end":1192.505,"confidence":0.97601867,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11702786386013032},{"word":"under","start":1192.505,"end":1192.985,"confidence":0.9998566,"punctuated_word":"under","sentiment":"neutral","sentiment_score":0.130592942237854},{"word":"30%","start":1192.985,"end":1193.8049,"confidence":0.99984854,"punctuated_word":"30%","sentiment":"neutral","sentiment_score":0.1340024173259735},{"word":"in","start":1194.12,"end":1194.36,"confidence":0.99970406,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.12461674958467484},{"word":"defensive","start":1194.36,"end":1194.86,"confidence":0.9988488,"punctuated_word":"defensive","sentiment":"neutral","sentiment_score":0.06263274699449539},{"word":"assets","start":1194.92,"end":1195.42,"confidence":0.9994553,"punctuated_word":"assets","sentiment":"neutral","sentiment_score":0.07217787206172943},{"word":"and","start":1195.88,"end":1196.12,"confidence":0.9500785,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.06463431566953659},{"word":"about","start":1196.12,"end":1196.4401,"confidence":0.999819,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.07401437312364578},{"word":"70%","start":1196.4401,"end":1197.16,"confidence":0.9997582,"punctuated_word":"70%","sentiment":"neutral","sentiment_score":0.13996486365795135},{"word":"in","start":1197.16,"end":1197.32,"confidence":0.9641921,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.1292704939842224},{"word":"growth","start":1197.32,"end":1197.64,"confidence":0.9790668,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.1463768631219864},{"word":"assets","start":1197.64,"end":1198.14,"confidence":0.78564775,"punctuated_word":"assets.","sentiment":"neutral","sentiment_score":0.08598092198371887},{"word":"so","start":1198.52,"end":1198.84,"confidence":0.9992699,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.0740450769662857},{"word":"kind","start":1198.84,"end":1199.08,"confidence":0.95296144,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.10659822821617126},{"word":"of","start":1199.08,"end":1199.16,"confidence":0.99982363,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.11496204137802124},{"word":"like","start":1199.16,"end":1199.56,"confidence":0.87802243,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.07304614782333374},{"word":"a","start":1199.56,"end":1199.88,"confidence":0.9964426,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1084810122847557},{"word":"a","start":1199.88,"end":1199.96,"confidence":0.68367535,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13036507368087769},{"word":"three","start":1199.96,"end":1200.28,"confidence":0.9998252,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.1037948727607727},{"word":"out","start":1200.28,"end":1200.4401,"confidence":0.9998248,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.10892333835363388},{"word":"of","start":1200.4401,"end":1200.6,"confidence":0.9980813,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0499393567442894},{"word":"five","start":1200.6,"end":1200.84,"confidence":0.99982846,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.06048658490180969},{"word":"on","start":1200.84,"end":1201.0,"confidence":0.9998068,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05492795258760452},{"word":"the","start":1201.0,"end":1201.16,"confidence":0.9997658,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.0652892142534256},{"word":"risk","start":1201.16,"end":1201.4,"confidence":0.9990478,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":0.03632442653179169},{"word":"scale","start":1201.4,"end":1201.9,"confidence":0.97893256,"punctuated_word":"scale.","sentiment":"neutral","sentiment_score":0.014491759240627289},{"word":"are","start":1202.12,"end":1202.28,"confidence":0.9962024,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":0.025960974395275116},{"word":"you","start":1202.28,"end":1202.4401,"confidence":0.999699,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04953784495592117},{"word":"okay","start":1202.4401,"end":1202.84,"confidence":0.9984055,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.0284232497215271},{"word":"to","start":1202.84,"end":1203.08,"confidence":0.9997117,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.044467851519584656},{"word":"maintain","start":1203.08,"end":1203.56,"confidence":0.9998692,"punctuated_word":"maintain","sentiment":"neutral","sentiment_score":0.007319122552871704},{"word":"that","start":1203.56,"end":1203.8,"confidence":0.99983263,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.09607204049825668},{"word":"level","start":1203.8,"end":1204.3,"confidence":0.90641886,"punctuated_word":"level,","sentiment":"neutral","sentiment_score":0.10408910363912582},{"word":"keep","start":1204.6,"end":1204.84,"confidence":0.9996426,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.13229385018348694},{"word":"getting","start":1204.84,"end":1205.16,"confidence":0.9998354,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.16618934273719788},{"word":"those","start":1205.16,"end":1205.48,"confidence":0.99979085,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.18083032965660095},{"word":"pension","start":1205.48,"end":1205.88,"confidence":0.99994195,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.1238117516040802},{"word":"payments","start":1205.88,"end":1206.28,"confidence":0.9998746,"punctuated_word":"payments","sentiment":"neutral","sentiment_score":0.21904800832271576},{"word":"out","start":1206.28,"end":1206.4401,"confidence":0.99981815,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.14145806431770325},{"word":"and","start":1206.4401,"end":1206.6,"confidence":0.91459835,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.10145605355501176},{"word":"focusing","start":1206.6,"end":1207.1,"confidence":0.9992919,"punctuated_word":"focusing","sentiment":"neutral","sentiment_score":0.11832262575626372},{"word":"a","start":1207.16,"end":1207.32,"confidence":0.99960035,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.15435799956321716},{"word":"bit","start":1207.32,"end":1207.56,"confidence":0.999923,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08819732815027237},{"word":"more","start":1207.56,"end":1207.8,"confidence":0.9998487,"punctuated_word":"more","sentiment":"neutral","sentiment_score":0.038192205131053925},{"word":"on","start":1207.8,"end":1207.96,"confidence":0.998406,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.12489792704582214},{"word":"growth","start":1207.96,"end":1208.28,"confidence":0.9994518,"punctuated_word":"growth","sentiment":"neutral","sentiment_score":0.32472673058509827},{"word":"and","start":1208.28,"end":1208.4401,"confidence":0.99263954,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1944996267557144},{"word":"protection","start":1208.4401,"end":1208.9401,"confidence":0.88057756,"punctuated_word":"protection,","sentiment":"neutral","sentiment_score":0.14062348008155823},{"word":"or","start":1209.515,"end":1209.5951,"confidence":0.9996637,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.07237181812524796},{"word":"do","start":1209.5951,"end":1209.7151,"confidence":0.9988564,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.04443005472421646},{"word":"you","start":1209.7151,"end":1209.8351,"confidence":0.99975485,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.061485812067985535},{"word":"wanna","start":1209.8351,"end":1210.0751,"confidence":0.83025646,"punctuated_word":"wanna","sentiment":"neutral","sentiment_score":0.11615949124097824},{"word":"look","start":1210.0751,"end":1210.3151,"confidence":0.9988199,"punctuated_word":"look","sentiment":"neutral","sentiment_score":0.047077130526304245},{"word":"at","start":1210.3151,"end":1210.4751,"confidence":0.9994271,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.05097561329603195},{"word":"maybe","start":1210.4751,"end":1210.7151,"confidence":0.9908947,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.0860501080751419},{"word":"making","start":1210.7151,"end":1210.9551,"confidence":0.99934644,"punctuated_word":"making","sentiment":"neutral","sentiment_score":0.11355851590633392},{"word":"it","start":1210.9551,"end":1211.1151,"confidence":0.997834,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.13169240951538086},{"word":"a","start":1211.1151,"end":1211.1951,"confidence":0.9997043,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.11555013060569765},{"word":"bit","start":1211.1951,"end":1211.3551,"confidence":0.9997807,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.08601809293031693},{"word":"safer","start":1211.3551,"end":1211.8551,"confidence":0.99590117,"punctuated_word":"safer?","sentiment":"neutral","sentiment_score":0.04692847281694412},{"word":"it's","start":1228.97,"end":1229.47,"confidence":0.839785,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.057773008942604065},{"word":"it's","start":1229.69,"end":1229.9299,"confidence":0.9846955,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.025952553376555443},{"word":"a","start":1229.9299,"end":1230.1699,"confidence":0.99953663,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.02214411273598671},{"word":"time","start":1230.1699,"end":1230.4099,"confidence":0.99975556,"punctuated_word":"time","sentiment":"neutral","sentiment_score":-0.006702110171318054},{"word":"game","start":1230.4099,"end":1230.73,"confidence":0.97440135,"punctuated_word":"game,","sentiment":"neutral","sentiment_score":0.004832044243812561},{"word":"unfortunately","start":1230.73,"end":1231.23,"confidence":0.99260235,"punctuated_word":"unfortunately,","sentiment":"neutral","sentiment_score":-0.05291420966386795},{"word":"where","start":1231.69,"end":1232.19,"confidence":0.9989008,"punctuated_word":"where","sentiment":"neutral","sentiment_score":-0.04581115022301674},{"word":"over","start":1232.25,"end":1232.6499,"confidence":0.9562677,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.12322008609771729},{"word":"a","start":1232.6499,"end":1232.8099,"confidence":0.9599473,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1130761206150055},{"word":"five","start":1232.8099,"end":1233.0499,"confidence":0.99983,"punctuated_word":"five","sentiment":"neutral","sentiment_score":0.15512056648731232},{"word":"to","start":1233.0499,"end":1233.21,"confidence":0.9977677,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1508885771036148},{"word":"seven","start":1233.21,"end":1233.45,"confidence":0.99979264,"punctuated_word":"seven","sentiment":"neutral","sentiment_score":0.14624232053756714},{"word":"year","start":1233.45,"end":1233.69,"confidence":0.9998054,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.1405653953552246},{"word":"period","start":1233.69,"end":1234.09,"confidence":0.9913485,"punctuated_word":"period,","sentiment":"neutral","sentiment_score":0.20606154203414917},{"word":"it'll","start":1234.09,"end":1234.49,"confidence":0.983159,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":0.23967687785625455},{"word":"continue","start":1234.49,"end":1234.97,"confidence":0.9996592,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":0.2754787802696228},{"word":"to","start":1234.97,"end":1235.13,"confidence":0.99977773,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.31624314188957214},{"word":"perform","start":1235.13,"end":1235.5299,"confidence":0.9999641,"punctuated_word":"perform","sentiment":"neutral","sentiment_score":0.29757729172706604},{"word":"pretty","start":1235.5299,"end":1235.7699,"confidence":0.99994576,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3823602497577667},{"word":"well","start":1235.7699,"end":1236.2699,"confidence":0.9976635,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.24569477140903473},{"word":"it's","start":1236.4249,"end":1236.585,"confidence":0.9997219,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.1137961372733116},{"word":"just","start":1236.585,"end":1236.825,"confidence":0.9999782,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.07684214413166046},{"word":"that","start":1236.825,"end":1237.065,"confidence":0.99905926,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.07430320233106613},{"word":"when","start":1237.065,"end":1237.385,"confidence":0.99870145,"punctuated_word":"when","sentiment":"neutral","sentiment_score":0.12168631702661514},{"word":"these","start":1237.385,"end":1237.625,"confidence":0.999213,"punctuated_word":"these","sentiment":"neutral","sentiment_score":0.0931997075676918},{"word":"types","start":1237.625,"end":1237.865,"confidence":0.9997106,"punctuated_word":"types","sentiment":"neutral","sentiment_score":-0.006425932049751282},{"word":"of","start":1237.865,"end":1238.025,"confidence":0.9987324,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.036796487867832184},{"word":"events","start":1238.025,"end":1238.4249,"confidence":0.9998534,"punctuated_word":"events","sentiment":"neutral","sentiment_score":0.011143893003463743},{"word":"happen","start":1238.4249,"end":1238.9249,"confidence":0.9983382,"punctuated_word":"happen,","sentiment":"neutral","sentiment_score":0.01466410607099533},{"word":"it","start":1239.3049,"end":1239.465,"confidence":0.9981133,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.04378233104944229},{"word":"can","start":1239.465,"end":1239.705,"confidence":0.9999695,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.005142673850059509},{"word":"have","start":1239.705,"end":1239.945,"confidence":0.99978465,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.03483269363641739},{"word":"that","start":1239.945,"end":1240.345,"confidence":0.943322,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.00898662954568863},{"word":"those","start":1240.4249,"end":1240.825,"confidence":0.99983835,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.04231284558773041},{"word":"fluctuations","start":1240.825,"end":1241.325,"confidence":0.99926525,"punctuated_word":"fluctuations","sentiment":"neutral","sentiment_score":0.013519048690795898},{"word":"in","start":1241.465,"end":1241.625,"confidence":0.9920941,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.07265058159828186},{"word":"the","start":1241.625,"end":1241.705,"confidence":0.99781066,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.030831798911094666},{"word":"short","start":1241.705,"end":1242.025,"confidence":0.999323,"punctuated_word":"short","sentiment":"neutral","sentiment_score":0.0027488917112350464},{"word":"term","start":1242.025,"end":1242.265,"confidence":0.99297214,"punctuated_word":"term","sentiment":"neutral","sentiment_score":0.03233425319194794},{"word":"as","start":1242.265,"end":1242.4249,"confidence":0.84396017,"punctuated_word":"as","sentiment":"neutral","sentiment_score":-0.006969019770622253},{"word":"long","start":1242.4249,"end":1242.585,"confidence":0.9998796,"punctuated_word":"long","sentiment":"neutral","sentiment_score":0.058718644082546234},{"word":"as","start":1242.585,"end":1242.745,"confidence":0.9984281,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.08622439205646515},{"word":"you're","start":1242.745,"end":1242.905,"confidence":0.9988373,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.0932723432779312},{"word":"not","start":1242.905,"end":1243.345,"confidence":0.9998037,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.053335607051849365},{"word":"you","start":1243.7849,"end":1243.945,"confidence":0.98291826,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.04347293823957443},{"word":"know","start":1243.945,"end":1244.445,"confidence":0.9815124,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.02036847546696663},{"word":"market","start":1244.585,"end":1244.985,"confidence":0.98831207,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.07049871981143951},{"word":"goes","start":1244.985,"end":1245.225,"confidence":0.9998784,"punctuated_word":"goes","sentiment":"neutral","sentiment_score":-0.04661501944065094},{"word":"down","start":1245.225,"end":1245.5449,"confidence":0.9998857,"punctuated_word":"down","sentiment":"neutral","sentiment_score":-0.0419328510761261},{"word":"15%","start":1245.5449,"end":1246.1849,"confidence":0.9990332,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.028278201818466187},{"word":"and","start":1246.1849,"end":1246.345,"confidence":0.7540566,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.041941188275814056},{"word":"you","start":1246.345,"end":1246.505,"confidence":0.9994615,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.035399824380874634},{"word":"try","start":1246.505,"end":1246.6649,"confidence":0.9955149,"punctuated_word":"try","sentiment":"neutral","sentiment_score":-0.06361261010169983},{"word":"and","start":1246.6649,"end":1246.825,"confidence":0.993562,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.04513544589281082},{"word":"pull","start":1246.825,"end":1247.065,"confidence":0.99983835,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":-0.061484768986701965},{"word":"out","start":1247.065,"end":1247.465,"confidence":0.9989286,"punctuated_word":"out","sentiment":"neutral","sentiment_score":-0.05699006468057632},{"word":"$200,000","start":1247.465,"end":1249.005,"confidence":0.87692964,"punctuated_word":"$200,000,","sentiment":"neutral","sentiment_score":-0.030125021934509277},{"word":"that","start":1249.32,"end":1249.64,"confidence":0.9994143,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.040254443883895874},{"word":"sequencing","start":1249.64,"end":1250.14,"confidence":0.9992393,"punctuated_word":"sequencing","sentiment":"neutral","sentiment_score":-0.08122169971466064},{"word":"risk","start":1250.2799,"end":1250.5199,"confidence":0.9994393,"punctuated_word":"risk","sentiment":"neutral","sentiment_score":-0.14408785104751587},{"word":"can","start":1250.5199,"end":1250.6799,"confidence":0.99990606,"punctuated_word":"can","sentiment":"neutral","sentiment_score":-0.13068726658821106},{"word":"be","start":1250.6799,"end":1250.84,"confidence":0.99987113,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.15001612901687622},{"word":"really","start":1250.84,"end":1251.08,"confidence":0.99981385,"punctuated_word":"really","sentiment":"neutral","sentiment_score":-0.20478203892707825},{"word":"brutal","start":1251.08,"end":1251.58,"confidence":0.98207927,"punctuated_word":"brutal.","sentiment":"neutral","sentiment_score":-0.15850968658924103},{"word":"but","start":1251.88,"end":1252.0399,"confidence":0.9992017,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.09669753164052965},{"word":"if","start":1252.0399,"end":1252.2,"confidence":0.99979156,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.20478317141532895},{"word":"you're","start":1252.2,"end":1252.36,"confidence":0.9999499,"punctuated_word":"you're","sentiment":"neutral","sentiment_score":0.22470596432685852},{"word":"okay","start":1252.36,"end":1252.6799,"confidence":0.9997764,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.2179655879735947},{"word":"to","start":1252.6799,"end":1252.84,"confidence":0.9994481,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.3010886013507843},{"word":"just","start":1252.84,"end":1253.08,"confidence":0.99984944,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.2761223018169403},{"word":"have","start":1253.08,"end":1253.24,"confidence":0.9999409,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.25955477356910706},{"word":"those","start":1253.24,"end":1253.64,"confidence":0.99990606,"punctuated_word":"those","sentiment":"neutral","sentiment_score":0.2987172603607178},{"word":"little","start":1253.64,"end":1254.14,"confidence":0.9994449,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.2932746410369873},{"word":"pension","start":1254.6799,"end":1255.1599,"confidence":0.9994135,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.16192235052585602},{"word":"deductions","start":1255.1599,"end":1255.6599,"confidence":0.9995327,"punctuated_word":"deductions","sentiment":"neutral","sentiment_score":0.2488967478275299},{"word":"and","start":1256.2,"end":1256.5199,"confidence":0.99715036,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.2520985007286072},{"word":"space","start":1256.5199,"end":1256.84,"confidence":0.99209774,"punctuated_word":"space","sentiment":"neutral","sentiment_score":0.26354193687438965},{"word":"it","start":1256.84,"end":1257.0,"confidence":0.9992507,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.3205958604812622},{"word":"out","start":1257.0,"end":1257.24,"confidence":0.9997508,"punctuated_word":"out","sentiment":"neutral","sentiment_score":0.29218700528144836},{"word":"over","start":1257.24,"end":1257.48,"confidence":0.99991655,"punctuated_word":"over","sentiment":"positive","sentiment_score":0.4093590378761291},{"word":"the","start":1257.48,"end":1257.5599,"confidence":0.99942243,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.335539311170578},{"word":"years","start":1257.5599,"end":1258.0599,"confidence":0.99899006,"punctuated_word":"years,","sentiment":"neutral","sentiment_score":0.31507161259651184},{"word":"it's","start":1258.2799,"end":1258.44,"confidence":0.96305966,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.3136700987815857},{"word":"not","start":1258.44,"end":1258.6799,"confidence":0.9989134,"punctuated_word":"not","sentiment":"neutral","sentiment_score":0.2130821943283081},{"word":"too","start":1258.6799,"end":1258.84,"confidence":0.99528706,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.19469405710697177},{"word":"bad","start":1258.84,"end":1259.34,"confidence":0.99686587,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":0.11400292068719864},{"word":"k","start":1267.1749,"end":1267.6749,"confidence":0.8017353,"punctuated_word":"K.","sentiment":"neutral","sentiment_score":0.06290855258703232},{"word":"because","start":1268.615,"end":1268.9349,"confidence":0.78484905,"punctuated_word":"Because","sentiment":"neutral","sentiment_score":0.08185025304555893},{"word":"we'll","start":1268.9349,"end":1269.255,"confidence":0.9995008,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.11986970901489258},{"word":"put","start":1269.255,"end":1269.4149,"confidence":0.9999466,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.14312241971492767},{"word":"together","start":1269.4149,"end":1269.815,"confidence":0.99989533,"punctuated_word":"together","sentiment":"neutral","sentiment_score":0.1713295429944992},{"word":"this","start":1269.815,"end":1269.975,"confidence":0.9997553,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.18190094828605652},{"word":"updated","start":1269.975,"end":1270.455,"confidence":0.9962903,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.139823779463768},{"word":"plan","start":1270.455,"end":1270.775,"confidence":0.9807813,"punctuated_word":"plan,","sentiment":"neutral","sentiment_score":0.16228395700454712},{"word":"like","start":1270.775,"end":1270.9349,"confidence":0.98892576,"punctuated_word":"like,","sentiment":"neutral","sentiment_score":0.12796315550804138},{"word":"we'll","start":1270.9349,"end":1271.255,"confidence":0.99729896,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.10253390669822691},{"word":"obviously","start":1271.255,"end":1271.735,"confidence":0.9462377,"punctuated_word":"obviously","sentiment":"neutral","sentiment_score":0.1041732132434845},{"word":"have","start":1271.735,"end":1271.895,"confidence":0.99514765,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.08242347836494446},{"word":"another","start":1271.895,"end":1272.2949,"confidence":0.9998658,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.08504344522953033},{"word":"discussion","start":1272.2949,"end":1272.775,"confidence":0.8493018,"punctuated_word":"discussion.","sentiment":"neutral","sentiment_score":0.02250318042933941},{"word":"and","start":1272.775,"end":1273.255,"confidence":0.9972415,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.11023829132318495},{"word":"if","start":1273.255,"end":1273.495,"confidence":0.9985416,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.11837675422430038},{"word":"we","start":1273.495,"end":1273.655,"confidence":0.99993503,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.10862527787685394},{"word":"need","start":1273.655,"end":1273.815,"confidence":0.9998128,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.05509249120950699},{"word":"to","start":1273.815,"end":1274.215,"confidence":0.999579,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.06463368237018585},{"word":"adjust","start":1274.215,"end":1274.615,"confidence":0.99967456,"punctuated_word":"adjust","sentiment":"neutral","sentiment_score":0.03948526829481125},{"word":"the","start":1274.615,"end":1274.775,"confidence":0.999627,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.045955952256917953},{"word":"levers","start":1274.775,"end":1275.275,"confidence":0.9770722,"punctuated_word":"levers","sentiment":"neutral","sentiment_score":0.01783110573887825},{"word":"on","start":1275.4149,"end":1275.655,"confidence":0.99947256,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.026454873383045197},{"word":"risk","start":1275.655,"end":1276.0549,"confidence":0.99922067,"punctuated_word":"risk,","sentiment":"neutral","sentiment_score":0.026807866990566257},{"word":"we","start":1276.0549,"end":1276.215,"confidence":0.99983823,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.07618187367916107},{"word":"can","start":1276.215,"end":1276.375,"confidence":0.9999113,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.08476769179105759},{"word":"do","start":1276.375,"end":1276.615,"confidence":0.9994708,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.06752064824104309},{"word":"so","start":1276.615,"end":1276.98,"confidence":0.976856,"punctuated_word":"so.","sentiment":"neutral","sentiment_score":0.022274551913142204},{"word":"but","start":1277.2999,"end":1277.7,"confidence":0.9995689,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.08480633795261383},{"word":"for","start":1277.7,"end":1277.94,"confidence":0.98143756,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2933254837989807},{"word":"the","start":1277.94,"end":1278.02,"confidence":0.7763539,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.3487547039985657},{"word":"time","start":1278.02,"end":1278.26,"confidence":0.99956864,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.30314210057258606},{"word":"being","start":1278.26,"end":1278.76,"confidence":0.9979305,"punctuated_word":"being,","sentiment":"neutral","sentiment_score":0.29907339811325073},{"word":"if","start":1279.22,"end":1279.46,"confidence":0.99836344,"punctuated_word":"if","sentiment":"positive","sentiment_score":0.48278841376304626},{"word":"you","start":1279.46,"end":1279.62,"confidence":0.9999039,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.4210963845252991},{"word":"could","start":1279.62,"end":1279.94,"confidence":0.99994326,"punctuated_word":"could","sentiment":"positive","sentiment_score":0.3740010559558869},{"word":"possibly","start":1279.94,"end":1280.44,"confidence":0.99911684,"punctuated_word":"possibly","sentiment":"positive","sentiment_score":0.37804654240608215},{"word":"provide","start":1280.66,"end":1281.16,"confidence":0.9997774,"punctuated_word":"provide","sentiment":"neutral","sentiment_score":0.33054256439208984},{"word":"that","start":1281.62,"end":1281.86,"confidence":0.99978024,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.42494672536849976},{"word":"final","start":1281.86,"end":1282.1799,"confidence":0.999897,"punctuated_word":"final","sentiment":"neutral","sentiment_score":0.22195738554000857},{"word":"letter","start":1282.1799,"end":1282.5,"confidence":0.999819,"punctuated_word":"letter","sentiment":"neutral","sentiment_score":0.2708578407764435},{"word":"from","start":1282.5,"end":1282.66,"confidence":0.9997683,"punctuated_word":"from","sentiment":"positive","sentiment_score":0.3703097999095917},{"word":"the","start":1282.66,"end":1282.82,"confidence":0.99936765,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.27256906032562256},{"word":"ato","start":1282.82,"end":1283.32,"confidence":0.99455595,"punctuated_word":"ATO","sentiment":"neutral","sentiment_score":0.1967732310295105},{"word":"and","start":1283.94,"end":1284.1799,"confidence":0.92637336,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.3678568601608277},{"word":"just","start":1284.1799,"end":1284.4199,"confidence":0.9998559,"punctuated_word":"just","sentiment":"positive","sentiment_score":0.41491055488586426},{"word":"let","start":1284.4199,"end":1284.58,"confidence":0.9998553,"punctuated_word":"let","sentiment":"positive","sentiment_score":0.4404411017894745},{"word":"us","start":1284.58,"end":1284.74,"confidence":0.9997812,"punctuated_word":"us","sentiment":"positive","sentiment_score":0.40760135650634766},{"word":"know","start":1284.74,"end":1284.98,"confidence":0.99990773,"punctuated_word":"know","sentiment":"positive","sentiment_score":0.48584410548210144},{"word":"when","start":1284.98,"end":1285.14,"confidence":0.99985766,"punctuated_word":"when","sentiment":"positive","sentiment_score":0.40624305605888367},{"word":"the","start":1285.14,"end":1285.2999,"confidence":0.99924636,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.46389883756637573},{"word":"funds","start":1285.2999,"end":1285.7999,"confidence":0.9993049,"punctuated_word":"funds","sentiment":"positive","sentiment_score":0.34783658385276794},{"word":"come","start":1286.1,"end":1286.34,"confidence":0.9997923,"punctuated_word":"come","sentiment":"positive","sentiment_score":0.4020833969116211},{"word":"back","start":1286.34,"end":1286.5,"confidence":0.9997985,"punctuated_word":"back","sentiment":"positive","sentiment_score":0.4258076846599579},{"word":"to","start":1286.5,"end":1286.66,"confidence":0.999752,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.411811500787735},{"word":"you","start":1286.66,"end":1287.16,"confidence":0.9984802,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.4370959103107453},{"word":"that","start":1287.2999,"end":1287.54,"confidence":0.9996395,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.6847167015075684},{"word":"would","start":1287.54,"end":1287.7,"confidence":0.9999461,"punctuated_word":"would","sentiment":"positive","sentiment_score":0.6311282515525818},{"word":"be","start":1287.7,"end":1287.94,"confidence":0.99988973,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.6021371483802795},{"word":"great","start":1287.94,"end":1288.44,"confidence":0.9998819,"punctuated_word":"great.","sentiment":"positive","sentiment_score":0.5516905784606934},{"word":"i'm","start":1288.74,"end":1288.98,"confidence":0.99848276,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.38688287138938904},{"word":"pretty","start":1288.98,"end":1289.2999,"confidence":0.9997569,"punctuated_word":"pretty","sentiment":"positive","sentiment_score":0.3730596601963043},{"word":"much","start":1289.2999,"end":1289.62,"confidence":0.9999671,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.3053798973560333},{"word":"going","start":1289.62,"end":1290.02,"confidence":0.99986637,"punctuated_word":"going","sentiment":"positive","sentiment_score":0.41282689571380615},{"word":"to","start":1290.02,"end":1290.52,"confidence":0.9997465,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.36871111392974854},{"word":"research","start":1291.125,"end":1291.365,"confidence":0.9996044,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.28090766072273254},{"word":"the","start":1291.365,"end":1291.685,"confidence":0.99988294,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2992386519908905},{"word":"updated","start":1291.685,"end":1292.185,"confidence":0.99907076,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.2681858241558075},{"word":"portfolios","start":1292.245,"end":1292.745,"confidence":0.99497396,"punctuated_word":"portfolios,","sentiment":"neutral","sentiment_score":0.2482675164937973},{"word":"calculate","start":1294.245,"end":1294.725,"confidence":0.99986625,"punctuated_word":"calculate","sentiment":"neutral","sentiment_score":0.3044526278972626},{"word":"the","start":1294.725,"end":1294.965,"confidence":0.99929523,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.3232792615890503},{"word":"sell","start":1294.965,"end":1295.205,"confidence":0.9951593,"punctuated_word":"sell","sentiment":"neutral","sentiment_score":0.22455531358718872},{"word":"downs","start":1295.205,"end":1295.705,"confidence":0.99765915,"punctuated_word":"downs,","sentiment":"neutral","sentiment_score":0.2335970103740692},{"word":"put","start":1295.845,"end":1296.085,"confidence":0.9998031,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.302747905254364},{"word":"together","start":1296.085,"end":1296.405,"confidence":0.99987054,"punctuated_word":"together","sentiment":"positive","sentiment_score":0.3378979563713074},{"word":"that","start":1296.405,"end":1296.725,"confidence":0.99968696,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.35230547189712524},{"word":"plan","start":1296.725,"end":1297.225,"confidence":0.9891043,"punctuated_word":"plan,","sentiment":"neutral","sentiment_score":0.23993539810180664},{"word":"and","start":1297.525,"end":1298.025,"confidence":0.9989899,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.28059959411621094},{"word":"we'll","start":1298.885,"end":1299.125,"confidence":0.99878097,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.28848642110824585},{"word":"have","start":1299.125,"end":1299.365,"confidence":0.9999517,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.31426283717155457},{"word":"that","start":1299.365,"end":1299.865,"confidence":0.9993259,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.340691477060318},{"word":"updated","start":1300.005,"end":1300.485,"confidence":0.99646914,"punctuated_word":"updated","sentiment":"neutral","sentiment_score":0.2165125012397766},{"word":"chat","start":1300.485,"end":1300.805,"confidence":0.99627113,"punctuated_word":"chat","sentiment":"neutral","sentiment_score":0.24951454997062683},{"word":"as","start":1300.805,"end":1300.965,"confidence":0.99993956,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.2654907703399658},{"word":"well","start":1300.965,"end":1301.465,"confidence":0.9997997,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.25109946727752686},{"word":"there'll","start":1303.86,"end":1304.1,"confidence":0.99694914,"punctuated_word":"There'll","sentiment":"neutral","sentiment_score":0.23764097690582275},{"word":"be","start":1304.1,"end":1304.42,"confidence":0.99979013,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.23616045713424683},{"word":"a","start":1304.42,"end":1304.5,"confidence":0.992584,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2305854856967926},{"word":"lot","start":1304.5,"end":1304.74,"confidence":0.54480577,"punctuated_word":"lot","sentiment":"neutral","sentiment_score":0.17340952157974243},{"word":"of","start":1304.74,"end":1304.8201,"confidence":0.99870765,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.19254721701145172},{"word":"research","start":1304.8201,"end":1305.14,"confidence":0.9997421,"punctuated_word":"research","sentiment":"neutral","sentiment_score":0.15083888173103333},{"word":"getting","start":1305.14,"end":1305.4601,"confidence":0.9994382,"punctuated_word":"getting","sentiment":"neutral","sentiment_score":0.21639183163642883},{"word":"done","start":1305.4601,"end":1305.54,"confidence":0.9992945,"punctuated_word":"done","sentiment":"neutral","sentiment_score":0.18663084506988523},{"word":"in","start":1305.54,"end":1305.7001,"confidence":0.99991274,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20222291350364685},{"word":"the","start":1305.7001,"end":1305.78,"confidence":0.99983823,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.205227792263031},{"word":"background","start":1305.78,"end":1306.18,"confidence":0.99985445,"punctuated_word":"background","sentiment":"neutral","sentiment_score":0.14301562309265137},{"word":"for","start":1306.18,"end":1306.34,"confidence":0.9998436,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.22882580757141113},{"word":"you","start":1306.34,"end":1306.42,"confidence":0.9997304,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.24645748734474185},{"word":"guys","start":1306.42,"end":1306.74,"confidence":0.995049,"punctuated_word":"guys,","sentiment":"neutral","sentiment_score":0.17867529392242432},{"word":"but","start":1306.74,"end":1306.98,"confidence":0.9997869,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1780189722776413},{"word":"i","start":1306.98,"end":1307.06,"confidence":0.99992406,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.1942475289106369},{"word":"can","start":1307.06,"end":1307.22,"confidence":0.9999658,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.16873539984226227},{"word":"basically","start":1307.22,"end":1307.62,"confidence":0.9965528,"punctuated_word":"basically","sentiment":"neutral","sentiment_score":0.16691985726356506},{"word":"pencil","start":1307.62,"end":1308.12,"confidence":0.99962544,"punctuated_word":"pencil","sentiment":"neutral","sentiment_score":0.14857740700244904},{"word":"something","start":1308.18,"end":1308.5,"confidence":0.99973327,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.10616425424814224},{"word":"in","start":1308.5,"end":1309.0,"confidence":0.99977237,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.10991838574409483},{"word":"for","start":1309.22,"end":1309.72,"confidence":0.9994753,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.12248098105192184},{"word":"early","start":1310.18,"end":1310.5801,"confidence":0.8625974,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.10482850670814514},{"word":"july","start":1310.5801,"end":1311.0801,"confidence":0.99871886,"punctuated_word":"July.","sentiment":"neutral","sentiment_score":0.15003633499145508},{"word":"now","start":1313.62,"end":1313.78,"confidence":0.73954767,"punctuated_word":"Now","sentiment":"positive","sentiment_score":0.33360546827316284},{"word":"it","start":1313.78,"end":1313.9401,"confidence":0.9917523,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.33445969223976135},{"word":"shouldn't","start":1313.9401,"end":1314.18,"confidence":0.9999591,"punctuated_word":"shouldn't","sentiment":"positive","sentiment_score":0.3985896706581116},{"word":"be","start":1314.18,"end":1314.34,"confidence":0.9999299,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3362513780593872},{"word":"too","start":1314.34,"end":1314.5,"confidence":0.99977154,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.31581228971481323},{"word":"bad","start":1314.5,"end":1314.74,"confidence":0.9976829,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":0.2919861972332001},{"word":"i'm","start":1314.74,"end":1315.24,"confidence":0.99953943,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.3725970387458801},{"word":"i'm","start":1315.3,"end":1315.4601,"confidence":0.92442703,"punctuated_word":"I'm","sentiment":"positive","sentiment_score":0.33376073837280273},{"word":"only","start":1315.4601,"end":1315.7001,"confidence":0.9996427,"punctuated_word":"only","sentiment":"neutral","sentiment_score":0.32340770959854126},{"word":"taking","start":1315.7001,"end":1316.02,"confidence":0.9998591,"punctuated_word":"taking","sentiment":"neutral","sentiment_score":0.21970732510089871},{"word":"a","start":1316.02,"end":1316.1,"confidence":0.99964225,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.2851438522338867},{"word":"couple","start":1316.1,"end":1316.42,"confidence":0.9999664,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.2319251000881195},{"word":"of","start":1316.42,"end":1316.5,"confidence":0.99805176,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2401198446750641},{"word":"weeks","start":1316.5,"end":1316.8201,"confidence":0.9998801,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.17349012196063995},{"word":"off","start":1316.8201,"end":1317.3201,"confidence":0.99905056,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.12688744068145752},{"word":"around","start":1318.255,"end":1318.495,"confidence":0.99894184,"punctuated_word":"around","sentiment":"neutral","sentiment_score":0.22003741562366488},{"word":"the","start":1318.495,"end":1318.655,"confidence":0.99980384,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.26147645711898804},{"word":"first","start":1318.655,"end":1318.895,"confidence":0.99991524,"punctuated_word":"first","sentiment":"neutral","sentiment_score":0.20871250331401825},{"word":"two","start":1318.895,"end":1319.055,"confidence":0.99901617,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.20677825808525083},{"word":"weeks","start":1319.055,"end":1319.375,"confidence":0.9999435,"punctuated_word":"weeks","sentiment":"neutral","sentiment_score":0.19127237796783447},{"word":"of","start":1319.375,"end":1319.535,"confidence":0.999897,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.24092604219913483},{"word":"june","start":1319.535,"end":1320.015,"confidence":0.81097645,"punctuated_word":"June.","sentiment":"neutral","sentiment_score":0.258531391620636},{"word":"so","start":1320.015,"end":1320.175,"confidence":0.99913603,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.2751772105693817},{"word":"i","start":1320.175,"end":1320.335,"confidence":0.9984275,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.2560177445411682},{"word":"should","start":1320.335,"end":1320.495,"confidence":0.9972145,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.3377343416213989},{"word":"even","start":1320.495,"end":1320.735,"confidence":0.9996898,"punctuated_word":"even","sentiment":"neutral","sentiment_score":0.3063504695892334},{"word":"be","start":1320.735,"end":1320.815,"confidence":0.9997892,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.19133368134498596},{"word":"back","start":1320.815,"end":1321.135,"confidence":0.9999312,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.216964453458786},{"word":"by","start":1321.135,"end":1321.295,"confidence":0.99990654,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.21441040933132172},{"word":"the","start":1321.295,"end":1321.375,"confidence":0.99974126,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2523564100265503},{"word":"end","start":1321.375,"end":1321.535,"confidence":0.9999665,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.2509765028953552},{"word":"of","start":1321.535,"end":1321.695,"confidence":0.99979395,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.2787112593650818},{"word":"financial","start":1321.695,"end":1322.175,"confidence":0.9949477,"punctuated_word":"financial","sentiment":"neutral","sentiment_score":0.2028556317090988},{"word":"year","start":1322.175,"end":1322.675,"confidence":0.76552165,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.2428855299949646},{"word":"sort","start":1322.815,"end":1322.975,"confidence":0.999323,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.21018607914447784},{"word":"of","start":1322.975,"end":1323.295,"confidence":0.9995266,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.292328804731369},{"word":"transitioning","start":1323.295,"end":1323.795,"confidence":0.9967084,"punctuated_word":"transitioning","sentiment":"neutral","sentiment_score":0.2533215582370758},{"word":"back","start":1323.855,"end":1324.095,"confidence":0.9998987,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.23511765897274017},{"word":"in","start":1324.095,"end":1324.595,"confidence":0.9745024,"punctuated_word":"in.","sentiment":"neutral","sentiment_score":0.20724739134311676},{"word":"and","start":1324.815,"end":1325.315,"confidence":0.99915457,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.17970959842205048},{"word":"if","start":1325.855,"end":1326.095,"confidence":0.99136645,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.2144901752471924},{"word":"i","start":1326.095,"end":1326.175,"confidence":0.9997634,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17078159749507904},{"word":"take","start":1326.175,"end":1326.335,"confidence":0.99874204,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.1389911025762558},{"word":"any","start":1326.335,"end":1326.655,"confidence":0.99969125,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.14496472477912903},{"word":"leave","start":1326.655,"end":1326.815,"confidence":0.99680704,"punctuated_word":"leave,","sentiment":"neutral","sentiment_score":0.1141580194234848},{"word":"i'll","start":1326.815,"end":1326.975,"confidence":0.9997994,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1703108549118042},{"word":"let","start":1326.975,"end":1327.215,"confidence":0.9998211,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.20994162559509277},{"word":"you","start":1327.215,"end":1327.295,"confidence":0.9993635,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.18725129961967468},{"word":"know","start":1327.295,"end":1327.535,"confidence":0.7806542,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.19270481169223783},{"word":"but","start":1327.535,"end":1327.935,"confidence":0.9994423,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.1724509596824646},{"word":"savvy's","start":1327.935,"end":1328.415,"confidence":0.5949721,"punctuated_word":"Savvy's","sentiment":"neutral","sentiment_score":0.13527648150920868},{"word":"there","start":1328.415,"end":1328.815,"confidence":0.8450519,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.18254461884498596},{"word":"larissa","start":1328.815,"end":1329.315,"confidence":0.95356095,"punctuated_word":"Larissa","sentiment":"neutral","sentiment_score":0.13154053688049316},{"word":"is","start":1329.375,"end":1329.535,"confidence":0.98146194,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.17232760787010193},{"word":"there","start":1329.535,"end":1329.775,"confidence":0.9978404,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.17837375402450562},{"word":"i'm","start":1329.775,"end":1330.015,"confidence":0.9995446,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.16592322289943695},{"word":"there","start":1330.015,"end":1330.515,"confidence":0.9994109,"punctuated_word":"there.","sentiment":"neutral","sentiment_score":0.1706452518701553},{"word":"someone","start":1330.81,"end":1330.97,"confidence":0.99898547,"punctuated_word":"Someone","sentiment":"neutral","sentiment_score":0.21533270180225372},{"word":"will","start":1330.97,"end":1331.13,"confidence":0.9991923,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.22099003195762632},{"word":"be","start":1331.13,"end":1331.37,"confidence":0.9999528,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2431708872318268},{"word":"able","start":1331.37,"end":1331.53,"confidence":0.9997775,"punctuated_word":"able","sentiment":"neutral","sentiment_score":0.2676032483577728},{"word":"to","start":1331.53,"end":1331.6901,"confidence":0.9997652,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2912438213825226},{"word":"sort","start":1331.6901,"end":1331.77,"confidence":0.9978434,"punctuated_word":"sort","sentiment":"neutral","sentiment_score":0.271781861782074},{"word":"of","start":1331.77,"end":1331.93,"confidence":0.99612063,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.30211395025253296},{"word":"walk","start":1331.93,"end":1332.17,"confidence":0.9994134,"punctuated_word":"walk","sentiment":"neutral","sentiment_score":0.2803264558315277},{"word":"through","start":1332.17,"end":1332.41,"confidence":0.9990451,"punctuated_word":"through","sentiment":"neutral","sentiment_score":0.23989218473434448},{"word":"this","start":1332.41,"end":1332.5701,"confidence":0.99980086,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.319569855928421},{"word":"plan","start":1332.5701,"end":1332.89,"confidence":0.99992394,"punctuated_word":"plan","sentiment":"neutral","sentiment_score":0.23402222990989685},{"word":"with","start":1332.89,"end":1333.05,"confidence":0.99996257,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.28405502438545227},{"word":"you","start":1333.05,"end":1333.55,"confidence":0.99977136,"punctuated_word":"you.","sentiment":"neutral","sentiment_score":0.26083073019981384},{"word":"there","start":1333.77,"end":1333.93,"confidence":0.98420596,"punctuated_word":"There","sentiment":"neutral","sentiment_score":0.177536740899086},{"word":"may","start":1333.93,"end":1334.17,"confidence":0.9944026,"punctuated_word":"may","sentiment":"neutral","sentiment_score":0.15208840370178223},{"word":"be","start":1334.17,"end":1334.67,"confidence":0.99963546,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.15936246514320374},{"word":"one","start":1335.13,"end":1335.4501,"confidence":0.9997309,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.17482507228851318},{"word":"extra","start":1335.4501,"end":1335.77,"confidence":0.9999126,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":0.11951269209384918},{"word":"quick","start":1335.77,"end":1336.09,"confidence":0.99319637,"punctuated_word":"quick","sentiment":"neutral","sentiment_score":0.1589904427528381},{"word":"conversation","start":1336.09,"end":1336.59,"confidence":0.9996039,"punctuated_word":"conversation","sentiment":"neutral","sentiment_score":0.1143566593527794},{"word":"i","start":1336.89,"end":1337.05,"confidence":0.99348176,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13376346230506897},{"word":"need","start":1337.05,"end":1337.2101,"confidence":0.9999025,"punctuated_word":"need","sentiment":"neutral","sentiment_score":0.11374980211257936},{"word":"to","start":1337.2101,"end":1337.37,"confidence":0.99989295,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.13742852210998535},{"word":"have","start":1337.37,"end":1337.87,"confidence":0.9999771,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.13707861304283142},{"word":"at","start":1338.09,"end":1338.25,"confidence":0.9988092,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.12221304327249528},{"word":"the","start":1338.25,"end":1338.3301,"confidence":0.9998055,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17071960866451263},{"word":"end","start":1338.3301,"end":1338.49,"confidence":0.9999796,"punctuated_word":"end","sentiment":"neutral","sentiment_score":0.15902504324913025},{"word":"of","start":1338.49,"end":1338.65,"confidence":0.9998864,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.1772477775812149},{"word":"this","start":1338.65,"end":1338.81,"confidence":0.99983764,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1586720198392868},{"word":"month","start":1338.81,"end":1339.29,"confidence":0.9999428,"punctuated_word":"month","sentiment":"neutral","sentiment_score":0.12466920912265778},{"word":"or","start":1339.29,"end":1339.53,"confidence":0.996802,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.17722764611244202},{"word":"early","start":1339.53,"end":1339.85,"confidence":0.999785,"punctuated_word":"early","sentiment":"neutral","sentiment_score":0.10323873162269592},{"word":"may","start":1339.85,"end":1340.09,"confidence":0.9917154,"punctuated_word":"May","sentiment":"neutral","sentiment_score":0.17339617013931274},{"word":"just","start":1340.09,"end":1340.25,"confidence":0.97659814,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19913910329341888},{"word":"to","start":1340.25,"end":1340.41,"confidence":0.9998604,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16103771328926086},{"word":"clarify","start":1340.41,"end":1340.89,"confidence":0.99988735,"punctuated_word":"clarify","sentiment":"neutral","sentiment_score":0.10699475556612016},{"word":"a","start":1340.89,"end":1340.97,"confidence":0.9888073,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.1814025640487671},{"word":"few","start":1340.97,"end":1341.2101,"confidence":0.99996483,"punctuated_word":"few","sentiment":"neutral","sentiment_score":0.13916391134262085},{"word":"details","start":1341.2101,"end":1341.6901,"confidence":0.99953604,"punctuated_word":"details","sentiment":"neutral","sentiment_score":0.1302211582660675},{"word":"with","start":1341.6901,"end":1341.93,"confidence":0.9999094,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.12915661931037903},{"word":"you","start":1341.93,"end":1342.09,"confidence":0.99982446,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1756417751312256},{"word":"guys","start":1342.09,"end":1342.59,"confidence":0.92340875,"punctuated_word":"guys.","sentiment":"neutral","sentiment_score":0.11174266040325163},{"word":"but","start":1342.73,"end":1342.97,"confidence":0.99914396,"punctuated_word":"But","sentiment":"neutral","sentiment_score":0.03739241883158684},{"word":"other","start":1342.97,"end":1343.2101,"confidence":0.9929616,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.021166447550058365},{"word":"than","start":1343.2101,"end":1343.37,"confidence":0.99988174,"punctuated_word":"than","sentiment":"neutral","sentiment_score":0.0007264912128448486},{"word":"that","start":1343.37,"end":1343.61,"confidence":0.99920624,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.006626402959227562},{"word":"i","start":1343.61,"end":1343.93,"confidence":0.99989426,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01641901582479477},{"word":"pretty","start":1343.93,"end":1344.17,"confidence":0.9398135,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.03276094049215317},{"word":"much","start":1344.17,"end":1344.41,"confidence":0.9999521,"punctuated_word":"much","sentiment":"neutral","sentiment_score":0.03212051838636398},{"word":"have","start":1344.41,"end":1344.65,"confidence":0.9998324,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.042556457221508026},{"word":"most","start":1344.65,"end":1344.97,"confidence":0.99983823,"punctuated_word":"most","sentiment":"neutral","sentiment_score":0.07139965891838074},{"word":"of","start":1344.97,"end":1345.05,"confidence":0.9999069,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.07158854603767395},{"word":"what","start":1345.05,"end":1345.2101,"confidence":0.99987185,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.06327316164970398},{"word":"i","start":1345.2101,"end":1345.37,"confidence":0.99966383,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0413956455886364},{"word":"need","start":1345.37,"end":1345.755,"confidence":0.99891675,"punctuated_word":"need.","sentiment":"neutral","sentiment_score":0.0658862292766571},{"word":"awesome","start":1348.955,"end":1349.455,"confidence":0.99917114,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.44538164138793945},{"word":"richard","start":1350.235,"end":1350.635,"confidence":0.99656725,"punctuated_word":"Richard,","sentiment":"neutral","sentiment_score":0.3296428918838501},{"word":"any","start":1350.635,"end":1350.875,"confidence":0.9998085,"punctuated_word":"any","sentiment":"neutral","sentiment_score":0.2629094123840332},{"word":"other","start":1350.875,"end":1351.115,"confidence":0.9998634,"punctuated_word":"other","sentiment":"neutral","sentiment_score":0.25727054476737976},{"word":"questions","start":1351.115,"end":1351.515,"confidence":0.9968786,"punctuated_word":"questions","sentiment":"neutral","sentiment_score":0.2698240876197815},{"word":"so","start":1351.515,"end":1351.755,"confidence":0.9993388,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.2539222240447998},{"word":"far","start":1351.755,"end":1351.995,"confidence":0.9999454,"punctuated_word":"far","sentiment":"neutral","sentiment_score":0.2074943780899048},{"word":"or","start":1351.995,"end":1352.235,"confidence":0.993182,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.2539323568344116},{"word":"ideas","start":1352.235,"end":1352.635,"confidence":0.9998098,"punctuated_word":"ideas","sentiment":"neutral","sentiment_score":0.21300223469734192},{"word":"that","start":1352.635,"end":1352.795,"confidence":0.99984705,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.21117186546325684},{"word":"you","start":1352.795,"end":1352.955,"confidence":0.99992466,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.25033071637153625},{"word":"would","start":1352.955,"end":1353.115,"confidence":0.9946285,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2337678223848343},{"word":"like","start":1353.115,"end":1353.275,"confidence":0.99993587,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.25284332036972046},{"word":"to","start":1353.275,"end":1353.355,"confidence":0.9982796,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.2893933653831482},{"word":"consider","start":1353.355,"end":1353.855,"confidence":0.9994619,"punctuated_word":"consider?","sentiment":"neutral","sentiment_score":0.22234711050987244},{"word":"yep","start":1360.3301,"end":1360.8301,"confidence":0.82964665,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1746101826429367},{"word":"what","start":1362.49,"end":1362.81,"confidence":0.94258577,"punctuated_word":"What","sentiment":"neutral","sentiment_score":0.2196811735630035},{"word":"i","start":1362.81,"end":1362.89,"confidence":0.99976283,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.22520609200000763},{"word":"might","start":1362.89,"end":1363.13,"confidence":0.9996295,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.21745508909225464},{"word":"do","start":1363.13,"end":1363.29,"confidence":0.9998248,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.19222897291183472},{"word":"too","start":1363.29,"end":1363.61,"confidence":0.9312434,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.19852682948112488},{"word":"is","start":1363.61,"end":1363.85,"confidence":0.9864276,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.1705382615327835},{"word":"i","start":1363.85,"end":1364.01,"confidence":0.9975237,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23767046630382535},{"word":"might","start":1364.01,"end":1364.17,"confidence":0.99996936,"punctuated_word":"might","sentiment":"neutral","sentiment_score":0.2298645377159119},{"word":"just","start":1364.17,"end":1364.41,"confidence":0.9998425,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.21919187903404236},{"word":"send","start":1364.41,"end":1364.5701,"confidence":0.9998945,"punctuated_word":"send","sentiment":"neutral","sentiment_score":0.188157856464386},{"word":"you","start":1364.5701,"end":1364.73,"confidence":0.9999654,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1826372891664505},{"word":"guys","start":1364.73,"end":1364.97,"confidence":0.9998165,"punctuated_word":"guys","sentiment":"neutral","sentiment_score":0.1846823692321777},{"word":"a","start":1364.97,"end":1365.13,"confidence":0.99990535,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.19694414734840393},{"word":"bit","start":1365.13,"end":1365.29,"confidence":0.9999747,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1546623706817627},{"word":"of","start":1365.29,"end":1365.37,"confidence":0.99985445,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.20009706914424896},{"word":"an","start":1365.37,"end":1365.61,"confidence":0.99995804,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.1833314597606659},{"word":"email","start":1365.61,"end":1365.93,"confidence":0.99976283,"punctuated_word":"email","sentiment":"neutral","sentiment_score":0.1988033950328827},{"word":"update","start":1365.93,"end":1366.3301,"confidence":0.99954504,"punctuated_word":"update","sentiment":"neutral","sentiment_score":0.16591382026672363},{"word":"with","start":1366.3301,"end":1366.81,"confidence":0.9999156,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.22984525561332703},{"word":"the","start":1366.81,"end":1367.05,"confidence":0.9979652,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.2303691208362579},{"word":"tentative","start":1367.05,"end":1367.53,"confidence":0.99958235,"punctuated_word":"tentative","sentiment":"neutral","sentiment_score":0.17927701771259308},{"word":"strategies","start":1367.53,"end":1368.03,"confidence":0.9997398,"punctuated_word":"strategies","sentiment":"neutral","sentiment_score":0.162520170211792},{"word":"that","start":1368.09,"end":1368.25,"confidence":0.9998035,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2103729248046875},{"word":"we're","start":1368.25,"end":1368.49,"confidence":0.99878883,"punctuated_word":"we're","sentiment":"neutral","sentiment_score":0.2088635265827179},{"word":"considering","start":1368.49,"end":1368.99,"confidence":0.9999292,"punctuated_word":"considering","sentiment":"neutral","sentiment_score":0.2054651379585266},{"word":"just","start":1369.05,"end":1369.21,"confidence":0.8090991,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.19257602095603943},{"word":"so","start":1369.21,"end":1369.37,"confidence":0.9996524,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.1546211838722229},{"word":"you","start":1369.37,"end":1369.4501,"confidence":0.9990865,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.16673780977725983},{"word":"know","start":1369.4501,"end":1369.9501,"confidence":0.99980944,"punctuated_word":"know","sentiment":"neutral","sentiment_score":0.16121366620063782},{"word":"what","start":1370.155,"end":1370.315,"confidence":0.999889,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.18887826800346377},{"word":"they","start":1370.315,"end":1370.475,"confidence":0.99992824,"punctuated_word":"they","sentiment":"neutral","sentiment_score":0.1799595206975937},{"word":"are","start":1370.475,"end":1370.975,"confidence":0.9868328,"punctuated_word":"are.","sentiment":"neutral","sentiment_score":0.1311430186033249},{"word":"again","start":1371.995,"end":1372.315,"confidence":0.87378705,"punctuated_word":"Again,","sentiment":"neutral","sentiment_score":0.11833053082227708},{"word":"the","start":1372.315,"end":1372.555,"confidence":0.98797613,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.15084844827651978},{"word":"the","start":1372.555,"end":1372.635,"confidence":0.79746616,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1488180011510849},{"word":"plans","start":1372.635,"end":1372.955,"confidence":0.99643683,"punctuated_word":"plans","sentiment":"neutral","sentiment_score":0.1256464719772339},{"word":"can","start":1372.955,"end":1373.115,"confidence":0.99990773,"punctuated_word":"can","sentiment":"neutral","sentiment_score":0.1428333967924118},{"word":"take","start":1373.115,"end":1373.275,"confidence":0.99989307,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.12455052882432938},{"word":"a","start":1373.275,"end":1373.355,"confidence":0.99978894,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.13640043139457703},{"word":"bit","start":1373.355,"end":1373.515,"confidence":0.9994972,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.10755327343940736},{"word":"of","start":1373.515,"end":1373.595,"confidence":0.9992403,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.10094946622848512},{"word":"time","start":1373.595,"end":1373.835,"confidence":0.9998497,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.15082217752933502},{"word":"to","start":1373.835,"end":1374.075,"confidence":0.9996251,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1293710172176361},{"word":"kind","start":1374.075,"end":1374.155,"confidence":0.9944583,"punctuated_word":"kind","sentiment":"neutral","sentiment_score":0.15496906638145447},{"word":"of","start":1374.155,"end":1374.315,"confidence":0.9996817,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14754953980445862},{"word":"write","start":1374.315,"end":1374.475,"confidence":0.9972964,"punctuated_word":"write","sentiment":"neutral","sentiment_score":0.13442444801330566},{"word":"them","start":1374.475,"end":1374.795,"confidence":0.9928576,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.1520925909280777},{"word":"build","start":1374.795,"end":1375.035,"confidence":0.99970967,"punctuated_word":"build","sentiment":"neutral","sentiment_score":0.13949237763881683},{"word":"them","start":1375.035,"end":1375.275,"confidence":0.99915236,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.1289552003145218},{"word":"calculate","start":1375.275,"end":1375.775,"confidence":0.9981097,"punctuated_word":"calculate","sentiment":"neutral","sentiment_score":0.08177123963832855},{"word":"them","start":1375.835,"end":1376.335,"confidence":0.94251853,"punctuated_word":"them,","sentiment":"neutral","sentiment_score":0.09479303658008575},{"word":"but","start":1376.475,"end":1376.795,"confidence":0.9987961,"punctuated_word":"but","sentiment":"neutral","sentiment_score":0.10755842179059982},{"word":"i'll","start":1376.795,"end":1376.955,"confidence":0.9998919,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1381503790616989},{"word":"give","start":1376.955,"end":1377.115,"confidence":0.9999794,"punctuated_word":"give","sentiment":"neutral","sentiment_score":0.16116227209568024},{"word":"you","start":1377.115,"end":1377.1951,"confidence":0.999684,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.1379488706588745},{"word":"a","start":1377.1951,"end":1377.275,"confidence":0.9990305,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.14113906025886536},{"word":"bit","start":1377.275,"end":1377.4349,"confidence":0.999856,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.1377585530281067},{"word":"of","start":1377.4349,"end":1377.595,"confidence":0.9999138,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.16223427653312683},{"word":"a","start":1377.595,"end":1377.675,"confidence":0.99965084,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.17303910851478577},{"word":"recap","start":1377.675,"end":1377.995,"confidence":0.99985695,"punctuated_word":"recap","sentiment":"neutral","sentiment_score":0.1360280066728592},{"word":"of","start":1377.995,"end":1378.155,"confidence":0.9997329,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.15132251381874084},{"word":"this","start":1378.155,"end":1378.475,"confidence":0.9999132,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.1558716744184494},{"word":"conversation","start":1378.475,"end":1378.975,"confidence":0.9997972,"punctuated_word":"conversation.","sentiment":"neutral","sentiment_score":0.12030481547117232},{"word":"awesome","start":1381.755,"end":1382.255,"confidence":0.9834,"punctuated_word":"Awesome.","sentiment":"positive","sentiment_score":0.40137550234794617},{"word":"richard","start":1382.53,"end":1382.69,"confidence":0.9983729,"punctuated_word":"Richard,","sentiment":"neutral","sentiment_score":0.2617327868938446},{"word":"did","start":1382.69,"end":1382.85,"confidence":0.9997508,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.2736327648162842},{"word":"you","start":1382.85,"end":1383.09,"confidence":0.9998011,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.2665412724018097},{"word":"guys","start":1383.09,"end":1383.41,"confidence":0.99982125,"punctuated_word":"guys","sentiment":"positive","sentiment_score":0.3480040431022644},{"word":"receive","start":1383.41,"end":1383.89,"confidence":0.99470794,"punctuated_word":"receive","sentiment":"neutral","sentiment_score":0.3229209780693054},{"word":"the","start":1383.89,"end":1384.13,"confidence":0.9998995,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30199989676475525},{"word":"remediation","start":1384.13,"end":1384.63,"confidence":0.99985325,"punctuated_word":"remediation","sentiment":"neutral","sentiment_score":0.24063408374786377},{"word":"payment","start":1384.77,"end":1385.25,"confidence":0.9998136,"punctuated_word":"payment","sentiment":"neutral","sentiment_score":0.1938774436712265},{"word":"okay","start":1385.25,"end":1385.49,"confidence":0.78478277,"punctuated_word":"okay","sentiment":"neutral","sentiment_score":0.19001072645187375},{"word":"into","start":1385.49,"end":1385.65,"confidence":0.9888814,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.31255394220352173},{"word":"your","start":1385.65,"end":1385.89,"confidence":0.9992556,"punctuated_word":"your","sentiment":"neutral","sentiment_score":0.25423121452331543},{"word":"account","start":1385.89,"end":1386.39,"confidence":0.9987231,"punctuated_word":"account?","sentiment":"neutral","sentiment_score":0.20539796352386477},{"word":"yep","start":1388.29,"end":1388.79,"confidence":0.774898,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.28226664662361145},{"word":"no","start":1388.85,"end":1389.09,"confidence":0.9918914,"punctuated_word":"No","sentiment":"neutral","sentiment_score":0.30794429779052734},{"word":"worries","start":1389.09,"end":1389.41,"confidence":0.99639976,"punctuated_word":"worries","sentiment":"neutral","sentiment_score":0.26847001910209656},{"word":"at","start":1389.41,"end":1389.57,"confidence":0.9998827,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.2706083059310913},{"word":"all","start":1389.57,"end":1390.07,"confidence":0.9873605,"punctuated_word":"all.","sentiment":"neutral","sentiment_score":0.30361729860305786},{"word":"and","start":1390.21,"end":1390.53,"confidence":0.7075765,"punctuated_word":"And,","sentiment":"neutral","sentiment_score":0.33203402161598206},{"word":"look","start":1390.53,"end":1390.85,"confidence":0.984419,"punctuated_word":"look,","sentiment":"positive","sentiment_score":0.36848556995391846},{"word":"thank","start":1390.85,"end":1391.09,"confidence":0.9996482,"punctuated_word":"thank","sentiment":"positive","sentiment_score":0.5465714931488037},{"word":"you","start":1391.09,"end":1391.33,"confidence":0.99992096,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5705286860466003},{"word":"for","start":1391.33,"end":1391.8099,"confidence":0.9994831,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.6116679310798645},{"word":"raising","start":1391.8099,"end":1392.13,"confidence":0.9994879,"punctuated_word":"raising","sentiment":"positive","sentiment_score":0.636955738067627},{"word":"it","start":1392.13,"end":1392.37,"confidence":0.9743588,"punctuated_word":"it,","sentiment":"positive","sentiment_score":0.570777416229248},{"word":"of","start":1392.37,"end":1392.53,"confidence":0.99991167,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.5521411895751953},{"word":"course","start":1392.53,"end":1392.77,"confidence":0.9904357,"punctuated_word":"course,","sentiment":"positive","sentiment_score":0.5290708541870117},{"word":"and","start":1392.77,"end":1393.27,"confidence":0.9999069,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.5507056713104248},{"word":"was","start":1393.33,"end":1393.57,"confidence":0.9345593,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.5738868713378906},{"word":"happy","start":1393.57,"end":1393.8099,"confidence":0.9999578,"punctuated_word":"happy","sentiment":"positive","sentiment_score":0.5985442996025085},{"word":"to","start":1393.8099,"end":1394.05,"confidence":0.9999318,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.5748968124389648},{"word":"investigate","start":1394.05,"end":1394.53,"confidence":0.998394,"punctuated_word":"investigate.","sentiment":"positive","sentiment_score":0.4348064064979553},{"word":"i","start":1394.53,"end":1394.61,"confidence":0.9999409,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.23503296077251432},{"word":"do","start":1394.61,"end":1394.85,"confidence":0.9999324,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.16815638542175293},{"word":"apologize","start":1394.85,"end":1395.33,"confidence":0.9999013,"punctuated_word":"apologize","sentiment":"neutral","sentiment_score":0.08582735061645508},{"word":"it","start":1395.33,"end":1395.57,"confidence":0.612887,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.30280354619026184},{"word":"took","start":1395.57,"end":1396.005,"confidence":0.9998276,"punctuated_word":"took","sentiment":"neutral","sentiment_score":0.20004913210868835},{"word":"the","start":1396.085,"end":1396.245,"confidence":0.9995747,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.30664363503456116},{"word":"time","start":1396.245,"end":1396.365,"confidence":0.99997866,"punctuated_word":"time","sentiment":"neutral","sentiment_score":0.2540764808654785},{"word":"that","start":1396.365,"end":1396.485,"confidence":0.99980277,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.2437678873538971},{"word":"it","start":1396.485,"end":1396.725,"confidence":0.99979085,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.27043843269348145},{"word":"did","start":1396.725,"end":1396.965,"confidence":0.9999144,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.25366437435150146},{"word":"to","start":1396.965,"end":1397.205,"confidence":0.997813,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.26450496912002563},{"word":"investigate","start":1397.205,"end":1397.705,"confidence":0.8627303,"punctuated_word":"investigate,","sentiment":"neutral","sentiment_score":0.20980334281921387},{"word":"but","start":1398.085,"end":1398.5651,"confidence":0.9991122,"punctuated_word":"but","sentiment":"positive","sentiment_score":0.39042234420776367},{"word":"finding","start":1398.5651,"end":1398.965,"confidence":0.9993362,"punctuated_word":"finding","sentiment":"positive","sentiment_score":0.4797595739364624},{"word":"that","start":1398.965,"end":1399.125,"confidence":0.9996424,"punctuated_word":"that","sentiment":"positive","sentiment_score":0.5189290046691895},{"word":"information","start":1399.125,"end":1399.625,"confidence":0.9999238,"punctuated_word":"information","sentiment":"positive","sentiment_score":0.5973485112190247},{"word":"was","start":1399.685,"end":1400.185,"confidence":0.78722095,"punctuated_word":"was,","sentiment":"positive","sentiment_score":0.5581187605857849},{"word":"i","start":1400.805,"end":1400.885,"confidence":0.5106716,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.5365628004074097},{"word":"guess","start":1400.885,"end":1401.125,"confidence":0.9652486,"punctuated_word":"guess,","sentiment":"positive","sentiment_score":0.5972368717193604},{"word":"it","start":1401.125,"end":1401.285,"confidence":0.99753344,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.663944661617279},{"word":"was","start":1401.285,"end":1401.365,"confidence":0.99946254,"punctuated_word":"was","sentiment":"positive","sentiment_score":0.6301764249801636},{"word":"a","start":1401.365,"end":1401.445,"confidence":0.9987967,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.6488701105117798},{"word":"good","start":1401.445,"end":1401.605,"confidence":0.99996424,"punctuated_word":"good","sentiment":"positive","sentiment_score":0.6478937864303589},{"word":"outcome","start":1401.605,"end":1402.005,"confidence":0.9458537,"punctuated_word":"outcome.","sentiment":"neutral","sentiment_score":0.299040824174881},{"word":"absolutely","start":1402.005,"end":1402.505,"confidence":0.99965805,"punctuated_word":"Absolutely.","sentiment":"positive","sentiment_score":0.8078731298446655},{"word":"all","start":1408.18,"end":1408.5,"confidence":0.7585016,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.8306192755699158},{"word":"good","start":1408.5,"end":1409.0,"confidence":0.9991883,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.7743074893951416},{"word":"so","start":1409.62,"end":1409.86,"confidence":0.80450875,"punctuated_word":"So","sentiment":"positive","sentiment_score":0.5139735341072083},{"word":"is","start":1409.86,"end":1410.02,"confidence":0.9960168,"punctuated_word":"is","sentiment":"positive","sentiment_score":0.4755708575248718},{"word":"there","start":1410.02,"end":1410.18,"confidence":0.9999291,"punctuated_word":"there","sentiment":"positive","sentiment_score":0.4109534621238709},{"word":"anything","start":1410.18,"end":1410.42,"confidence":0.9997439,"punctuated_word":"anything","sentiment":"positive","sentiment_score":0.35655224323272705},{"word":"else","start":1410.42,"end":1410.66,"confidence":0.9999467,"punctuated_word":"else","sentiment":"positive","sentiment_score":0.4164348840713501},{"word":"i","start":1410.66,"end":1410.74,"confidence":0.99953914,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.3555555045604706},{"word":"can","start":1410.74,"end":1410.9,"confidence":0.999858,"punctuated_word":"can","sentiment":"positive","sentiment_score":0.3982996344566345},{"word":"do","start":1410.9,"end":1411.06,"confidence":0.99982977,"punctuated_word":"do","sentiment":"positive","sentiment_score":0.3812795877456665},{"word":"for","start":1411.06,"end":1411.14,"confidence":0.9992786,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.3477264642715454},{"word":"you","start":1411.14,"end":1411.62,"confidence":0.9999219,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.49514973163604736},{"word":"before","start":1411.62,"end":1411.9401,"confidence":0.9991405,"punctuated_word":"before","sentiment":"neutral","sentiment_score":0.2594863176345825},{"word":"i","start":1411.9401,"end":1412.02,"confidence":0.99988425,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24007825553417209},{"word":"let","start":1412.02,"end":1412.18,"confidence":0.9999089,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.3226754665374756},{"word":"you","start":1412.18,"end":1412.42,"confidence":0.9996057,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.3914518654346466},{"word":"go","start":1412.42,"end":1412.92,"confidence":0.9996573,"punctuated_word":"go?","sentiment":"positive","sentiment_score":0.35433170199394226},{"word":"amazing","start":1415.46,"end":1415.9401,"confidence":0.9961233,"punctuated_word":"Amazing,","sentiment":"positive","sentiment_score":0.8263179063796997},{"word":"richard","start":1415.9401,"end":1416.4401,"confidence":0.9992814,"punctuated_word":"Richard.","sentiment":"positive","sentiment_score":0.8137949109077454},{"word":"i","start":1416.66,"end":1416.8201,"confidence":0.9999274,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.6317753195762634},{"word":"will","start":1416.8201,"end":1417.06,"confidence":0.9999417,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.5868851542472839},{"word":"dive","start":1417.06,"end":1417.3,"confidence":0.9995473,"punctuated_word":"dive","sentiment":"positive","sentiment_score":0.6368697285652161},{"word":"into","start":1417.3,"end":1417.54,"confidence":0.99963665,"punctuated_word":"into","sentiment":"positive","sentiment_score":0.5708150267601013},{"word":"it","start":1417.54,"end":1417.7001,"confidence":0.9999559,"punctuated_word":"it","sentiment":"positive","sentiment_score":0.5585200786590576},{"word":"now","start":1417.7001,"end":1418.2001,"confidence":0.9733237,"punctuated_word":"now,","sentiment":"positive","sentiment_score":0.4062884449958801},{"word":"email","start":1418.26,"end":1418.5801,"confidence":0.9991266,"punctuated_word":"email","sentiment":"positive","sentiment_score":0.5224078893661499},{"word":"you","start":1418.5801,"end":1418.74,"confidence":0.9998504,"punctuated_word":"you","sentiment":"positive","sentiment_score":0.5052441954612732},{"word":"by","start":1418.74,"end":1418.9,"confidence":0.99975234,"punctuated_word":"by","sentiment":"neutral","sentiment_score":0.2726806402206421},{"word":"the","start":1418.9,"end":1419.06,"confidence":0.999418,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.48020118474960327},{"word":"end","start":1419.06,"end":1419.14,"confidence":0.99995494,"punctuated_word":"end","sentiment":"positive","sentiment_score":0.4165033996105194},{"word":"of","start":1419.14,"end":1419.3,"confidence":0.9999206,"punctuated_word":"of","sentiment":"positive","sentiment_score":0.4667523205280304},{"word":"the","start":1419.3,"end":1419.38,"confidence":0.9998203,"punctuated_word":"the","sentiment":"positive","sentiment_score":0.5178099870681763},{"word":"week","start":1419.38,"end":1419.86,"confidence":0.9989533,"punctuated_word":"week,","sentiment":"positive","sentiment_score":0.39445778727531433},{"word":"and","start":1419.86,"end":1420.36,"confidence":0.99973696,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.4942612946033478},{"word":"i","start":1420.42,"end":1420.5,"confidence":0.9998392,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.4985747933387756},{"word":"will","start":1420.5,"end":1420.74,"confidence":0.999951,"punctuated_word":"will","sentiment":"positive","sentiment_score":0.4805667996406555},{"word":"be","start":1420.74,"end":1420.8201,"confidence":0.9999591,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.46921634674072266},{"word":"in","start":1420.8201,"end":1420.98,"confidence":0.9995908,"punctuated_word":"in","sentiment":"positive","sentiment_score":0.42044657468795776},{"word":"touch","start":1420.98,"end":1421.3,"confidence":0.9999802,"punctuated_word":"touch","sentiment":"positive","sentiment_score":0.4621744453907013},{"word":"as","start":1421.3,"end":1421.46,"confidence":0.9980135,"punctuated_word":"as","sentiment":"neutral","sentiment_score":0.33103904128074646},{"word":"soon","start":1421.46,"end":1421.7001,"confidence":0.9998441,"punctuated_word":"soon","sentiment":"positive","sentiment_score":0.500320553779602},{"word":"as","start":1421.7001,"end":1421.86,"confidence":0.99967563,"punctuated_word":"as","sentiment":"positive","sentiment_score":0.365003764629364},{"word":"i","start":1421.86,"end":1422.02,"confidence":0.99977046,"punctuated_word":"I","sentiment":"positive","sentiment_score":0.49831077456474304},{"word":"can","start":1422.02,"end":1422.375,"confidence":0.9995597,"punctuated_word":"can.","sentiment":"positive","sentiment_score":0.471335768699646},{"word":"thank","start":1425.255,"end":1425.495,"confidence":0.998804,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.8265964388847351},{"word":"you","start":1425.495,"end":1425.655,"confidence":0.9990229,"punctuated_word":"you,","sentiment":"positive","sentiment_score":0.8329154253005981},{"word":"mate","start":1425.655,"end":1425.895,"confidence":0.97877944,"punctuated_word":"mate.","sentiment":"positive","sentiment_score":0.8278214335441589},{"word":"have","start":1425.895,"end":1426.135,"confidence":0.9998908,"punctuated_word":"Have","sentiment":"positive","sentiment_score":0.7643671035766602},{"word":"a","start":1426.135,"end":1426.215,"confidence":0.9996476,"punctuated_word":"a","sentiment":"positive","sentiment_score":0.7479369044303894},{"word":"great","start":1426.215,"end":1426.455,"confidence":0.9999747,"punctuated_word":"great","sentiment":"positive","sentiment_score":0.8429946899414062},{"word":"week","start":1426.455,"end":1426.695,"confidence":0.9494525,"punctuated_word":"week,","sentiment":"positive","sentiment_score":0.7462459802627563},{"word":"and","start":1426.695,"end":1426.935,"confidence":0.99988675,"punctuated_word":"and","sentiment":"positive","sentiment_score":0.7850698828697205},{"word":"say","start":1426.935,"end":1427.175,"confidence":0.9994174,"punctuated_word":"say","sentiment":"positive","sentiment_score":0.8123862147331238},{"word":"hi","start":1427.175,"end":1427.335,"confidence":0.9942397,"punctuated_word":"hi","sentiment":"positive","sentiment_score":0.7488619685173035},{"word":"to","start":1427.335,"end":1427.415,"confidence":0.9975648,"punctuated_word":"to","sentiment":"positive","sentiment_score":0.8043270707130432},{"word":"moshe","start":1427.415,"end":1427.735,"confidence":0.759958,"punctuated_word":"Moshe","sentiment":"positive","sentiment_score":0.7552787065505981},{"word":"for","start":1427.735,"end":1427.895,"confidence":0.9969549,"punctuated_word":"for","sentiment":"positive","sentiment_score":0.8076140880584717},{"word":"me","start":1427.895,"end":1428.395,"confidence":0.9997832,"punctuated_word":"me.","sentiment":"positive","sentiment_score":0.7433852553367615},{"word":"cheers","start":1430.375,"end":1430.775,"confidence":0.99668837,"punctuated_word":"Cheers,","sentiment":"positive","sentiment_score":0.6666505932807922},{"word":"richard","start":1430.775,"end":1431.175,"confidence":0.9992119,"punctuated_word":"Richard.","sentiment":"positive","sentiment_score":0.6489934921264648},{"word":"bye","start":1431.175,"end":1431.675,"confidence":0.9980797,"punctuated_word":"Bye.","sentiment":"neutral","sentiment_score":-0.10577388852834702}],"paragraphs":{"transcript":"\nGood afternoon, Richard. It's Tommy here from. How have you been? Great to hear. Great to hear.\n\nI was just giving you a call. We had you booked in today just to go through that updated chat around the contribution strategy. Do I have yourself and Moshe available today? Moshe available today? That's no worries, Richard.\n\nI can go through the details with you today, mate. I'll basically crunch some ideas and numbers with you and then kind of do a bit of a follow-up plan if that's okay. Awesome. Just for usual process, are you okay for the call to be recorded, please, sir? Awesome.\n\nI'm registered with ASIC as Adviser 1273105. Could you please confirm your date of birth and address? Amazing as always. Thank you for that. Now I'm assuming you guys were able to see the funds finally got deducted from your from the super account, the pension account.\n\nYep. So usual process there is the 217,000 has gone off to the ATO, which is identical to what was in the letter for that option that we wanted to do, so that's perfect. The next thing that they do is the ATO is going to do their little magic in the backgrounds about the associated earnings and remove the tax and basically deposit for you guys the remainder after that's been taken out. Yep. So out of the 02/17, could be around about $2.10, $2.11 that could come out net after that.\n\nFantastic. Are you? So if 02/17 came out and they take six out of tax, we should be left with that $2.10 to 11 approximately. Perfect. Now what I wanted to sort of walk through with you a little bit as well is the reusing the bring forward rule because we're talking about getting that back in so it can be contributed.\n\nNow that will need to do a little bit of a pension refresh, which I'm more than happy to do. Because as you know, when you put contributions in, it goes into accumulation. We hit a button on Hub twenty four, and they can refresh it all back into the pension pretty well within a couple of days of each other. And that's the easiest way to get it into super and then back into your same pension phase. I did get the email for dropping the pension payment, so thank you for organizing that.\n\nSo I'm going to I've got the team sort of ready to action that and get that dropped in time, hopefully, for the next pension payment. Just depends on getting possibly something signed, but we're gonna try and action it on your account. Richard, were you wanting to use when it comes to recontributing back in, did you want me to kind of crunch the numbers to see if we should get it back into yours or Mercers, or should we just do one or the other? Do you have a preference? Correct.\n\nYeah. Now they've increased the non concessional cap to one thirty, so that that brings forward rule gets quite large. We're talking 390,000 now. Yeah. The three 40 seven and the join.\n\nYep. Yeah. Yeah. I'm going to have a quick I've got the account open now, and I'm just doing a quick dummy trade, and I'll let you know what that's looking like. So, again, so we're thinking 347 is retained approximately just to pay for for tax and things like that.\n\nJust gonna go to a full sell down and see what this looks like and estimate. Just bear with me for two seconds while it loads. So we've got a net this is just based on today's unit prices. It'll update after about 3PM, but we've got a a gross gain of 45,903. Now they're going the full estimate for the worst case scenario at 47% is 8,535.\n\nThat's that's a worst case. 8,000. Yeah. That's just Hub twenty four does a calculation where they just estimate it at the highest rate, and they basically say if it's a full gain minus any losses and discounts and things like that, they've applied some CGT discounts. It's a net capital gain of $18.01 $5.09 and then 47% of that, 8,535.\n\nThat's the possible. Yeah. Mhmm. Yep. That's following financial year in 2728.\n\nYep. Now one thing that may be possible, and I'm just gonna say a big maybe here because I wanna be very careful with it, is if we do any kind of concessional contributions to reduce the tax, get a bit more in and reduce that, but actually do that notice of intent to claim kind of thing. Do you want me to consider that, or would it be easier just to do this two step approach? Yep. No.\n\nThat's easy done. Yeah. Oh, yeah. Yeah. It should be under your your marginal rate.\n\nSo because Hub twenty four's online system just assumes the worst case scenario, they do the maximum, but it's based on all it is essentially is that gain gets added for that financial year. So if we sell it now, gets added to your income split, of course, for this financial year, and then marginal rate comes off of that minus that 50% CGT discount as long as everything's been held for more than a year and so on. So, again, that's worst case. It should be a bit less than that. Possibly even less because from what I'm looking at let's just have a look at that element.\n\nSo if the discount's applied, you're left over with a net capital gain of $18.01 $5.09. And then if that's split $50.50, then really $9 gets applied to each of you. No. Unless you've got some other income that's happened in the background there on top. The banks haven't given you a 20% interest rate or something as a loyalty discount, have they?\n\nYeah. And whatever goes in there for the next couple of months once all of this, let's say, gets deposited in there from the sell down of the investment accounts, from the withdrawal of pension for the taxes, the interest that that earns for a couple of months won't be too much. It'll be a little bit, but not too much. Yeah. Yeah.\n\nThey don't have you too high on that that defense pension. They're not pushing you into really high brackets, are they? K. So that was a little bit of interest with those amounts on top. Yeah.\n\nI mean, even after the tax free threshold, you basically only really save a couple of percent by doing anything concessionally because you've got the Medicare levy on top. So it's really not too worth it to try and save two or 3% to try and minimize yours. Yeah. And if it's okay with yeah. Go for it.\n\nSort of recalculated. Yeah. No. They they tend to basically just do a bit of a a cutoff date. And once the funds are released, they do their calculation.\n\nThey add that on to that tax assessment from previously. They just try and keep their calculations pretty clean. They chop a date, say estimated earnings of x, y, and z. They do their calculation, add it, chop the tax off. They don't kind of keep trying to bite back at the apple multiple times.\n\nThey try and have a a bit of a chop date. And they would also kind of base it on any information given from the Superfund to them. So their team packages it all up, finalizes everything, and that's why you get those letters to kind of say, okay. It's looking like x, y, and z rather than them saying, oh, and then also we've called the super funder after this letter, and we've got more information about more interest, and they don't tend to do that. It'd be quite rude if they did.\n\nYeah. You're right. Yeah. Thank you. One thing that I wanna sort of clarify with you too is just in terms of timing for all of this.\n\nSo I'll be going away in June on paternity leave, and I can essentially put together a plan in May or July. And it's really up to you guys about timing on this. So what I mean is, do we put together a plan now for the sell down and recontribution of the investment account over the next few weeks and base it on today's figures, balances, and returns? Or because we can contribute in next financial year, do you wanna sort of see if there's a bit of a bounce back in the markets for a couple of months and do it in July, August? What would be your preference?\n\nYeah. And one thing that may help you decide here, and this is just based on what's going on in the world at the moment, That investment account that we're looking to sell down on the January 30 was sitting at 355,000, and then that's when you had the market tumble for February and March. And so based on that drop in the markets, which is around about 10% in the stock market, went from 355,000 to $332,000. So that was about 20,000 down. And then in the last couple of weeks, it's bounced back from $3.32 to $3.47.\n\nSo 20 down, 15 up. That's the kind of volatility that's happening on a fortnightly to monthly basis. So it's about, do we chop it clean over the next couple of weeks now, or do we let it kind of fluctuate and try to grow in between now when we can actually make the transaction? Yep. Yeah.\n\nYeah. Yep. That gives me a bit of time to look at the investments as well because this plan is gonna be another sort of big plan talking about close down this account through these contributions. Once we have the amounts that you've gotten net from the tax office, we can add that in for that following financial year. What I can do because I'm gonna have to get the money into super and pension refresh it, that'll be a strategy as well to get it back into pension phase.\n\nI can use that same opportunity to review some of the investments in the pension accounts. So for example, out of the eight options that are in there, there might be one or two that we can update to be a little bit better too. We don't have to change the risk level. Just maybe switch out some fund managers if we can find a few better ones. K.\n\nK. So I'll call it a portfolio review. Would you like me to do that to both accounts, both pension accounts, and just make sure they're both up to date? Yep. And risk level wise, your pension accounts are sitting at around about just under 30% in defensive assets and about 70% in growth assets.\n\nSo kind of like a a three out of five on the risk scale. Are you okay to maintain that level, keep getting those pension payments out and focusing a bit more on growth and protection, or do you wanna look at maybe making it a bit safer? It's it's a time game, unfortunately, where over a five to seven year period, it'll continue to perform pretty well. It's just that when these types of events happen, it can have that those fluctuations in the short term as long as you're not you know, market goes down 15% and you try and pull out $200,000, that sequencing risk can be really brutal. But if you're okay to just have those little pension deductions and space it out over the years, it's not too bad.\n\nK. Because we'll put together this updated plan, like, we'll obviously have another discussion. And if we need to adjust the levers on risk, we can do so. But for the time being, if you could possibly provide that final letter from the ATO and just let us know when the funds come back to you, that would be great. I'm pretty much going to research the updated portfolios, calculate the sell downs, put together that plan, and we'll have that updated chat as well.\n\nThere'll be a lot of research getting done in the background for you guys, but I can basically pencil something in for early July. Now it shouldn't be too bad. I'm I'm only taking a couple of weeks off around the first two weeks of June. So I should even be back by the end of financial year, sort of transitioning back in. And if I take any leave, I'll let you know, but Savvy's there.\n\nLarissa is there. I'm there. Someone will be able to sort of walk through this plan with you. There may be one extra quick conversation I need to have at the end of this month or early May just to clarify a few details with you guys. But other than that, I pretty much have most of what I need.\n\nAwesome. Richard, any other questions so far or ideas that you would like to consider? Yep. What I might do too is I might just send you guys a bit of an email update with the tentative strategies that we're considering just so you know what they are. Again, the the plans can take a bit of time to kind of write them, build them, calculate them, but I'll give you a bit of a recap of this conversation.\n\nAwesome. Richard, did you guys receive the remediation payment okay into your account? Yep. No worries at all. And, look, thank you for raising it, of course, and was happy to investigate.\n\nI do apologize it took the time that it did to investigate, but finding that information was, I guess, it was a good outcome. Absolutely. All good. So is there anything else I can do for you before I let you go? Amazing, Richard.\n\nI will dive into it now, email you by the end of the week, and I will be in touch as soon as I can. Thank you, mate. Have a great week, and say hi to Moshe for me. Cheers, Richard. Bye.","paragraphs":[{"sentences":[{"text":"Good afternoon, Richard.","start":2.48,"end":3.6,"sentiment":"neutral","sentiment_score":0.12593739728132883},{"text":"It's Tommy here from.","start":3.6,"end":4.9,"sentiment":"neutral","sentiment_score":-0.02314378402661532},{"text":"How have you been?","start":4.96,"end":6.1,"sentiment":"neutral","sentiment_score":0.014265547506511211},{"text":"Great to hear.","start":8.559999,"end":9.2,"sentiment":"positive","sentiment_score":0.6184763511021932},{"text":"Great to hear.","start":9.2,"end":10.0199995,"sentiment":"positive","sentiment_score":0.5577825705210367}],"sentiment":"neutral","sentiment_score":0.22771035356666236,"num_words":17,"start":2.48,"end":10.0199995},{"sentences":[{"text":"I was just giving you a call.","start":10.16,"end":11.36,"sentiment":"neutral","sentiment_score":0.20692421070166997},{"text":"We had you booked in today just to go through that updated chat around the contribution strategy.","start":11.36,"end":13.879999,"sentiment":"neutral","sentiment_score":0.14737498321953943},{"text":"Do I have yourself and Moshe available today?","start":13.879999,"end":14.9,"sentiment":"neutral","sentiment_score":0.04476698162034154},{"text":"Moshe available today?","start":18.105,"end":19.405,"sentiment":"neutral","sentiment_score":0.03803589008748531},{"text":"That's no worries, Richard.","start":30.039999,"end":31.24,"sentiment":"neutral","sentiment_score":0.17883872613310814}],"sentiment":"neutral","sentiment_score":0.13183186198465335,"num_words":39,"start":10.16,"end":31.24},{"sentences":[{"text":"I can go through the details with you today, mate.","start":31.24,"end":33.739998,"sentiment":"neutral","sentiment_score":0.23294091373682022},{"text":"I'll basically crunch some ideas and numbers with you and then kind of do a bit of a follow-up plan if that's okay.","start":34.36,"end":40.699997,"sentiment":"neutral","sentiment_score":0.10886766243240108},{"text":"Awesome.","start":42.245,"end":42.745,"sentiment":"neutral","sentiment_score":0.291310578584671},{"text":"Just for usual process, are you okay for the call to be recorded, please, sir?","start":43.364998,"end":47.545,"sentiment":"neutral","sentiment_score":0.11924387315909067},{"text":"Awesome.","start":48.725,"end":49.225,"sentiment":"neutral","sentiment_score":0.20166802406311035}],"sentiment":"neutral","sentiment_score":0.14230004146695138,"num_words":50,"start":31.24,"end":49.225},{"sentences":[{"text":"I'm registered with ASIC as Adviser 1273105.","start":49.684998,"end":53.364998,"sentiment":"neutral","sentiment_score":0.12855310525212968},{"text":"Could you please confirm your date of birth and address?","start":53.364998,"end":56.024998,"sentiment":"neutral","sentiment_score":0.0580931194126606},{"text":"Amazing as always.","start":66.0,"end":67.04,"sentiment":"positive","sentiment_score":0.5326715310414633},{"text":"Thank you for that.","start":67.04,"end":68.1,"sentiment":"positive","sentiment_score":0.5612236708402634},{"text":"Now I'm assuming you guys were able to see the funds finally got deducted from your from the super account, the pension account.","start":68.56,"end":76.825005,"sentiment":"neutral","sentiment_score":0.10673605359118918}],"sentiment":"neutral","sentiment_score":0.1655030093611555,"num_words":47,"start":49.684998,"end":76.825005},{"sentences":[{"text":"Yep.","start":79.525,"end":80.025,"sentiment":"neutral","sentiment_score":0.06918573379516602},{"text":"So usual process there is the 217,000 has gone off to the ATO, which is identical to what was in the letter for that option that we wanted to do, so that's perfect.","start":80.165,"end":93.350006,"sentiment":"neutral","sentiment_score":0.12722750369346503},{"text":"The next thing that they do is the ATO is going to do their little magic in the backgrounds about the associated earnings and remove the tax and basically deposit for you guys the remainder after that's been taken out.","start":94.05,"end":109.665,"sentiment":"neutral","sentiment_score":0.017357124481350183},{"text":"Yep.","start":120.27,"end":120.77,"sentiment":"neutral","sentiment_score":0.04070631414651871},{"text":"So out of the 02/17, could be around about $2.10, $2.11 that could come out net after that.","start":121.15,"end":128.025,"sentiment":"neutral","sentiment_score":0.04553051768905587}],"sentiment":"neutral","sentiment_score":0.06260466631702198,"num_words":93,"start":79.525,"end":128.025},{"sentences":[{"text":"Fantastic.","start":131.765,"end":132.265,"sentiment":"neutral","sentiment_score":0.3056468367576599},{"text":"Are you?","start":134.565,"end":135.22499,"sentiment":"neutral","sentiment_score":0.060881948098540306},{"text":"So if 02/17 came out and they take six out of tax, we should be left with that $2.10 to 11 approximately.","start":136.31,"end":142.17,"sentiment":"neutral","sentiment_score":-0.021647068627533458},{"text":"Perfect.","start":144.87,"end":145.37,"sentiment":"positive","sentiment_score":0.7027727365493774},{"text":"Now what I wanted to sort of walk through with you a little bit as well is the reusing the bring forward rule because we're talking about getting that back in so it can be contributed.","start":146.39,"end":157.69499,"sentiment":"neutral","sentiment_score":0.14887569803330633}],"sentiment":"neutral","sentiment_score":0.09893639602499907,"num_words":62,"start":131.765,"end":157.69499},{"sentences":[{"text":"Now that will need to do a little bit of a pension refresh, which I'm more than happy to do.","start":159.03499,"end":165.42,"sentiment":"positive","sentiment_score":0.4432419970631599},{"text":"Because as you know, when you put contributions in, it goes into accumulation.","start":165.42,"end":168.8,"sentiment":"neutral","sentiment_score":0.23408563893574935},{"text":"We hit a button on Hub twenty four, and they can refresh it all back into the pension pretty well within a couple of days of each other.","start":169.5,"end":176.88,"sentiment":"positive","sentiment_score":0.345449616334268},{"text":"And that's the easiest way to get it into super and then back into your same pension phase.","start":177.115,"end":182.335,"sentiment":"positive","sentiment_score":0.4574072344435586},{"text":"I did get the email for dropping the pension payment, so thank you for organizing that.","start":182.475,"end":188.015,"sentiment":"positive","sentiment_score":0.5523574724793434}],"sentiment":"positive","sentiment_score":0.40685886615201045,"num_words":95,"start":159.03499,"end":188.015},{"sentences":[{"text":"So I'm going to I've got the team sort of ready to action that and get that dropped in time, hopefully, for the next pension payment.","start":189.69,"end":198.83,"sentiment":"neutral","sentiment_score":0.30413548992230344},{"text":"Just depends on getting possibly something signed, but we're gonna try and action it on your account.","start":199.13,"end":204.925,"sentiment":"neutral","sentiment_score":0.06599483156905454},{"text":"Richard, were you wanting to use when it comes to recontributing back in, did you want me to kind of crunch the numbers to see if we should get it back into yours or Mercers, or should we just do one or the other?","start":207.785,"end":220.27,"sentiment":"neutral","sentiment_score":-0.004726642636920918},{"text":"Do you have a preference?","start":220.27,"end":221.33,"sentiment":"neutral","sentiment_score":-0.012882601097226143},{"text":"Correct.","start":240.365,"end":240.865,"sentiment":"neutral","sentiment_score":0.03198732063174248}],"sentiment":"neutral","sentiment_score":0.09450577326639685,"num_words":93,"start":189.69,"end":240.865},{"sentences":[{"text":"Yeah.","start":245.95,"end":246.45,"sentiment":"neutral","sentiment_score":0.028230777010321617},{"text":"Now they've increased the non concessional cap to one thirty, so that that brings forward rule gets quite large.","start":246.98999,"end":253.79,"sentiment":"neutral","sentiment_score":0.006755731607738294},{"text":"We're talking 390,000 now.","start":253.79,"end":256.13,"sentiment":"neutral","sentiment_score":0.01078940206207335},{"text":"Yeah.","start":269.27002,"end":269.59,"sentiment":"neutral","sentiment_score":-0.0003907885402441025},{"text":"The three 40 seven and the join.","start":269.59,"end":271.45,"sentiment":"neutral","sentiment_score":-0.024238260462880135}],"sentiment":"neutral","sentiment_score":0.0009277710632886738,"num_words":32,"start":245.95,"end":271.45},{"sentences":[{"text":"Yep.","start":272.07,"end":272.57,"sentiment":"neutral","sentiment_score":0.04428839683532715},{"text":"Yeah.","start":288.005,"end":288.505,"sentiment":"neutral","sentiment_score":0.10399575531482697},{"text":"Yeah.","start":300.34,"end":300.84,"sentiment":"neutral","sentiment_score":0.18560639023780823},{"text":"I'm going to have a quick I've got the account open now, and I'm just doing a quick dummy trade, and I'll let you know what that's looking like.","start":301.46002,"end":310.005,"sentiment":"neutral","sentiment_score":0.23617699228484054},{"text":"So, again, so we're thinking 347 is retained approximately just to pay for for tax and things like that.","start":310.58502,"end":317.605,"sentiment":"neutral","sentiment_score":0.055920838721488654}],"sentiment":"neutral","sentiment_score":0.16167684812463967,"num_words":51,"start":272.07,"end":317.605},{"sentences":[{"text":"Just gonna go to a full sell down and see what this looks like and estimate.","start":319.84,"end":325.69998,"sentiment":"neutral","sentiment_score":0.11403281334787607},{"text":"Just bear with me for two seconds while it loads.","start":327.36,"end":329.86,"sentiment":"neutral","sentiment_score":0.004880832135677337},{"text":"So we've got a net this is just based on today's unit prices.","start":331.68,"end":336.435,"sentiment":"neutral","sentiment_score":0.08456846613150376},{"text":"It'll update after about 3PM, but we've got a a gross gain of 45,903.","start":336.495,"end":347.62,"sentiment":"neutral","sentiment_score":0.09592239026512418},{"text":"Now they're going the full estimate for the worst case scenario at 47% is 8,535.","start":348.96,"end":358.34,"sentiment":"neutral","sentiment_score":-0.09803698981801669}],"sentiment":"neutral","sentiment_score":0.04183944133932099,"num_words":68,"start":319.84,"end":358.34},{"sentences":[{"text":"That's that's a worst case.","start":358.585,"end":363.00497,"sentiment":"negative","sentiment_score":-0.37087085247039797},{"text":"8,000.","start":363.705,"end":364.44498,"sentiment":"neutral","sentiment_score":-0.11999247968196868},{"text":"Yeah.","start":368.585,"end":368.905,"sentiment":"neutral","sentiment_score":0.03544210270047188},{"text":"That's just Hub twenty four does a calculation where they just estimate it at the highest rate, and they basically say if it's a full gain minus any losses and discounts and things like that, they've applied some CGT discounts.","start":368.905,"end":381.68002,"sentiment":"neutral","sentiment_score":0.07460951376706362},{"text":"It's a net capital gain of $18.01 $5.09 and then 47% of that, 8,535.","start":382.14,"end":389.955,"sentiment":"neutral","sentiment_score":0.1265356737588133}],"sentiment":"neutral","sentiment_score":0.04617992367167942,"num_words":61,"start":358.585,"end":389.955},{"sentences":[{"text":"That's the possible.","start":391.955,"end":393.41498,"sentiment":"neutral","sentiment_score":0.30532021323839825},{"text":"Yeah.","start":410.45,"end":410.95,"sentiment":"neutral","sentiment_score":0.14766526222229004},{"text":"Mhmm.","start":417.585,"end":418.085,"sentiment":"neutral","sentiment_score":0.1113501712679863},{"text":"Yep.","start":438.575,"end":439.075,"sentiment":"neutral","sentiment_score":0.206345796585083},{"text":"That's following financial year in 2728.","start":445.695,"end":449.23502,"sentiment":"neutral","sentiment_score":0.064216248691082}],"sentiment":"neutral","sentiment_score":0.1472182801614205,"num_words":12,"start":391.955,"end":449.23502},{"sentences":[{"text":"Yep.","start":450.99,"end":451.49,"sentiment":"neutral","sentiment_score":-0.05892220512032509},{"text":"Now one thing that may be possible, and I'm just gonna say a big maybe here because I wanna be very careful with it, is if we do any kind of concessional contributions to reduce the tax, get a bit more in and reduce that, but actually do that notice of intent to claim kind of thing.","start":453.95,"end":470.76498,"sentiment":"neutral","sentiment_score":0.0023788101644369596},{"text":"Do you want me to consider that, or would it be easier just to do this two step approach?","start":470.76498,"end":475.26498,"sentiment":"neutral","sentiment_score":0.08025814337950003},{"text":"Yep.","start":481.5,"end":482.0,"sentiment":"neutral","sentiment_score":0.1186295747756958},{"text":"No.","start":482.3,"end":482.46,"sentiment":"neutral","sentiment_score":-0.027460657060146332}],"sentiment":"neutral","sentiment_score":0.021427134382008,"num_words":79,"start":450.99,"end":482.46},{"sentences":[{"text":"That's easy done.","start":482.46,"end":483.6,"sentiment":"positive","sentiment_score":0.46259115139643353},{"text":"Yeah.","start":491.275,"end":491.775,"sentiment":"neutral","sentiment_score":0.033131517469882965},{"text":"Oh, yeah.","start":513.13,"end":513.69,"sentiment":"neutral","sentiment_score":0.08525025472044945},{"text":"Yeah.","start":513.69,"end":514.09,"sentiment":"neutral","sentiment_score":0.11849737167358398},{"text":"It should be under your your marginal rate.","start":514.09,"end":516.705,"sentiment":"neutral","sentiment_score":0.1531775500625372}],"sentiment":"neutral","sentiment_score":0.19568821688493093,"num_words":15,"start":482.46,"end":516.705},{"sentences":[{"text":"So because Hub twenty four's online system just assumes the worst case scenario, they do the maximum, but it's based on all it is essentially is that gain gets added for that financial year.","start":516.945,"end":528.305,"sentiment":"neutral","sentiment_score":0.07813259871566997},{"text":"So if we sell it now, gets added to your income split, of course, for this financial year, and then marginal rate comes off of that minus that 50% CGT discount as long as everything's been held for more than a year and so on.","start":528.305,"end":543.48,"sentiment":"neutral","sentiment_score":0.07185481078922748},{"text":"So, again, that's worst case.","start":543.7,"end":545.725,"sentiment":"neutral","sentiment_score":-0.24041607677936555},{"text":"It should be a bit less than that.","start":545.725,"end":547.90497,"sentiment":"neutral","sentiment_score":-0.2266017533838749},{"text":"Possibly even less because from what I'm looking at let's just have a look at that element.","start":573.03503,"end":581.55,"sentiment":"neutral","sentiment_score":-0.041932653416605556}],"sentiment":"neutral","sentiment_score":0.01983692956695316,"num_words":109,"start":516.945,"end":581.55},{"sentences":[{"text":"So if the discount's applied, you're left over with a net capital gain of $18.01 $5.09.","start":581.61,"end":587.76996,"sentiment":"neutral","sentiment_score":0.09345001820474863},{"text":"And then if that's split $50.50, then really $9 gets applied to each of you.","start":587.76996,"end":593.115,"sentiment":"neutral","sentiment_score":0.10463998715082805},{"text":"No.","start":601.595,"end":601.675,"sentiment":"negative","sentiment_score":-0.3901104629039765},{"text":"Unless you've got some other income that's happened in the background there on top.","start":601.675,"end":606.975,"sentiment":"neutral","sentiment_score":-0.25079782732895445},{"text":"The banks haven't given you a 20% interest rate or something as a loyalty discount, have they?","start":615.8,"end":620.115,"sentiment":"neutral","sentiment_score":-0.007635920363314012}],"sentiment":"neutral","sentiment_score":-0.015337945922972664,"num_words":63,"start":581.61,"end":620.115},{"sentences":[{"text":"Yeah.","start":639.73,"end":640.13,"sentiment":"neutral","sentiment_score":0.06815323233604431},{"text":"And whatever goes in there for the next couple of months once all of this, let's say, gets deposited in there from the sell down of the investment accounts, from the withdrawal of pension for the taxes, the interest that that earns for a couple of months won't be too much.","start":640.13,"end":656.545,"sentiment":"neutral","sentiment_score":0.11777999222862955},{"text":"It'll be a little bit, but not too much.","start":656.925,"end":659.02496,"sentiment":"neutral","sentiment_score":-0.1273500243615773},{"text":"Yeah.","start":671.48505,"end":671.98505,"sentiment":"neutral","sentiment_score":0.012061897665262222},{"text":"Yeah.","start":692.69995,"end":693.1,"sentiment":"neutral","sentiment_score":0.016391068696975708}],"sentiment":"neutral","sentiment_score":0.07868627909689195,"num_words":63,"start":639.73,"end":693.1},{"sentences":[{"text":"They don't have you too high on that that defense pension.","start":693.1,"end":696.575,"sentiment":"neutral","sentiment_score":-0.028930771079930393},{"text":"They're not pushing you into really high brackets, are they?","start":697.035,"end":699.77496,"sentiment":"neutral","sentiment_score":-0.04793982747942209},{"text":"K.","start":706.875,"end":707.27496,"sentiment":"neutral","sentiment_score":-0.006225645542144775},{"text":"So that was a little bit of interest with those amounts on top.","start":707.27496,"end":712.27997,"sentiment":"neutral","sentiment_score":0.03664219006896019},{"text":"Yeah.","start":712.98,"end":713.48,"sentiment":"neutral","sentiment_score":-0.033216118812561035}],"sentiment":"neutral","sentiment_score":-0.010020279170324406,"num_words":36,"start":693.1,"end":713.48},{"sentences":[{"text":"I mean, even after the tax free threshold, you basically only really save a couple of percent by doing anything concessionally because you've got the Medicare levy on top.","start":713.86,"end":726.235,"sentiment":"neutral","sentiment_score":-0.06845614159929342},{"text":"So it's really not too worth it to try and save two or 3% to try and minimize yours.","start":728.13495,"end":735.755,"sentiment":"neutral","sentiment_score":-0.3171116823428555},{"text":"Yeah.","start":758.405,"end":758.905,"sentiment":"neutral","sentiment_score":-0.19458678364753723},{"text":"And if it's okay with yeah.","start":760.82,"end":762.98004,"sentiment":"neutral","sentiment_score":-0.06019246578216553},{"text":"Go for it.","start":762.98004,"end":763.88,"sentiment":"neutral","sentiment_score":-0.02653442757825057}],"sentiment":"neutral","sentiment_score":-0.14906370572360425,"num_words":58,"start":713.86,"end":763.88},{"sentences":[{"text":"Sort of recalculated.","start":782.51495,"end":783.415,"sentiment":"neutral","sentiment_score":-0.22724194327990213},{"text":"Yeah.","start":798.945,"end":799.445,"sentiment":"neutral","sentiment_score":-0.012795785441994669},{"text":"No.","start":821.535,"end":822.01495,"sentiment":"neutral","sentiment_score":-0.10879981517791748},{"text":"They they tend to basically just do a bit of a a cutoff date.","start":822.01495,"end":825.39496,"sentiment":"neutral","sentiment_score":-0.08325342621122088},{"text":"And once the funds are released, they do their calculation.","start":825.935,"end":829.63495,"sentiment":"neutral","sentiment_score":-0.00023860540241003037}],"sentiment":"neutral","sentiment_score":-0.0679743259117521,"num_words":29,"start":782.51495,"end":829.63495},{"sentences":[{"text":"They add that on to that tax assessment from previously.","start":830.33496,"end":834.13,"sentiment":"neutral","sentiment_score":0.03736861348152161},{"text":"They just try and keep their calculations pretty clean.","start":834.91,"end":837.49,"sentiment":"neutral","sentiment_score":0.1686779624885983},{"text":"They chop a date, say estimated earnings of x, y, and z.","start":837.95,"end":841.97,"sentiment":"neutral","sentiment_score":0.06862278220554192},{"text":"They do their calculation, add it, chop the tax off.","start":842.19,"end":845.115,"sentiment":"neutral","sentiment_score":0.0069359224289655685},{"text":"They don't kind of keep trying to bite back at the apple multiple times.","start":845.115,"end":848.735,"sentiment":"neutral","sentiment_score":-0.22900186319436347}],"sentiment":"neutral","sentiment_score":-0.007661921395496888,"num_words":55,"start":830.33496,"end":848.735},{"sentences":[{"text":"They try and have a a bit of a chop date.","start":848.955,"end":851.295,"sentiment":"neutral","sentiment_score":-0.015419291163032705},{"text":"And they would also kind of base it on any information given from the Superfund to them.","start":851.515,"end":857.21497,"sentiment":"neutral","sentiment_score":0.07625451464863385},{"text":"So their team packages it all up, finalizes everything, and that's why you get those letters to kind of say, okay.","start":857.435,"end":865.65,"sentiment":"neutral","sentiment_score":0.08216751757122222},{"text":"It's looking like x, y, and z rather than them saying, oh, and then also we've called the super funder after this letter, and we've got more information about more interest, and they don't tend to do that.","start":865.79004,"end":876.355,"sentiment":"neutral","sentiment_score":-0.08316009903424665},{"text":"It'd be quite rude if they did.","start":878.65497,"end":880.27496,"sentiment":"negative","sentiment_score":-0.5785471626690456}],"sentiment":"neutral","sentiment_score":-0.046358313688889465,"num_words":94,"start":848.955,"end":880.27496},{"sentences":[{"text":"Yeah.","start":887.79,"end":888.29,"sentiment":"neutral","sentiment_score":-0.03779906779527664},{"text":"You're right.","start":889.47,"end":890.29,"sentiment":"neutral","sentiment_score":-0.04717295058071613},{"text":"Yeah.","start":910.46,"end":910.96,"sentiment":"neutral","sentiment_score":0.06018679589033127},{"text":"Thank you.","start":929.675,"end":930.495,"sentiment":"positive","sentiment_score":0.5313547849655151},{"text":"One thing that I wanna sort of clarify with you too is just in terms of timing for all of this.","start":937.06,"end":942.60004,"sentiment":"neutral","sentiment_score":-0.030762602885564167}],"sentiment":"neutral","sentiment_score":0.012768027269177966,"num_words":27,"start":887.79,"end":942.60004},{"sentences":[{"text":"So I'll be going away in June on paternity leave, and I can essentially put together a plan in May or July.","start":942.9,"end":952.405,"sentiment":"neutral","sentiment_score":0.06764884157614275},{"text":"And it's really up to you guys about timing on this.","start":953.025,"end":957.34503,"sentiment":"neutral","sentiment_score":0.26949856091629376},{"text":"So what I mean is, do we put together a plan now for the sell down and recontribution of the investment account over the next few weeks and base it on today's figures, balances, and returns?","start":957.34503,"end":970.74,"sentiment":"neutral","sentiment_score":0.15579571119613117},{"text":"Or because we can contribute in next financial year, do you wanna sort of see if there's a bit of a bounce back in the markets for a couple of months and do it in July, August?","start":971.71497,"end":981.57495,"sentiment":"neutral","sentiment_score":0.06462547459916489},{"text":"What would be your preference?","start":983.39496,"end":984.615,"sentiment":"neutral","sentiment_score":0.07354719415307046}],"sentiment":"neutral","sentiment_score":0.11549804341215808,"num_words":111,"start":942.9,"end":984.615},{"sentences":[{"text":"Yeah.","start":1013.0,"end":1013.5,"sentiment":"neutral","sentiment_score":0.01797494664788246},{"text":"And one thing that may help you decide here, and this is just based on what's going on in the world at the moment, That investment account that we're looking to sell down on the January 30 was sitting at 355,000, and then that's when you had the market tumble for February and March.","start":1017.0,"end":1036.115,"sentiment":"neutral","sentiment_score":-0.06949568507089107},{"text":"And so based on that drop in the markets, which is around about 10% in the stock market, went from 355,000 to $332,000.","start":1036.575,"end":1046.5701,"sentiment":"neutral","sentiment_score":-0.19834106026784235},{"text":"So that was about 20,000 down.","start":1047.1901,"end":1049.4501,"sentiment":"neutral","sentiment_score":-0.1340422456463178},{"text":"And then in the last couple of weeks, it's bounced back from $3.32 to $3.47.","start":1049.59,"end":1055.265,"sentiment":"neutral","sentiment_score":-0.05033070060114066}],"sentiment":"neutral","sentiment_score":-0.09955404460844067,"num_words":99,"start":1013.0,"end":1055.265},{"sentences":[{"text":"So 20 down, 15 up.","start":1056.4451,"end":1058.545,"sentiment":"neutral","sentiment_score":0.004454784095287323},{"text":"That's the kind of volatility that's happening on a fortnightly to monthly basis.","start":1058.685,"end":1063.665,"sentiment":"neutral","sentiment_score":-0.103330251832421},{"text":"So it's about, do we chop it clean over the next couple of weeks now, or do we let it kind of fluctuate and try to grow in between now when we can actually make the transaction?","start":1064.3651,"end":1075.2001,"sentiment":"neutral","sentiment_score":-0.03354116519157951},{"text":"Yep.","start":1087.1951,"end":1087.6951,"sentiment":"neutral","sentiment_score":-0.028371717780828476},{"text":"Yeah.","start":1094.17,"end":1094.67,"sentiment":"neutral","sentiment_score":0.05277281254529953}],"sentiment":"neutral","sentiment_score":-0.04452002404682469,"num_words":57,"start":1056.4451,"end":1094.67},{"sentences":[{"text":"Yeah.","start":1101.61,"end":1102.11,"sentiment":"neutral","sentiment_score":0.024181298911571503},{"text":"Yep.","start":1118.36,"end":1118.86,"sentiment":"neutral","sentiment_score":0.22235524654388428},{"text":"That gives me a bit of time to look at the investments as well because this plan is gonna be another sort of big plan talking about close down this account through these contributions.","start":1119.48,"end":1131.3351,"sentiment":"neutral","sentiment_score":0.17100108940811717},{"text":"Once we have the amounts that you've gotten net from the tax office, we can add that in for that following financial year.","start":1132.115,"end":1138.935,"sentiment":"neutral","sentiment_score":0.10238273020671762},{"text":"What I can do because I'm gonna have to get the money into super and pension refresh it, that'll be a strategy as well to get it back into pension phase.","start":1139.3151,"end":1147.53,"sentiment":"neutral","sentiment_score":0.21587151529327517}],"sentiment":"neutral","sentiment_score":0.1678599261575275,"num_words":90,"start":1101.61,"end":1147.53},{"sentences":[{"text":"I can use that same opportunity to review some of the investments in the pension accounts.","start":1148.7101,"end":1153.61,"sentiment":"neutral","sentiment_score":0.25870053097605705},{"text":"So for example, out of the eight options that are in there, there might be one or two that we can update to be a little bit better too.","start":1154.0701,"end":1160.915,"sentiment":"neutral","sentiment_score":0.21980771833452686},{"text":"We don't have to change the risk level.","start":1160.9751,"end":1162.8151,"sentiment":"neutral","sentiment_score":0.05287732230499387},{"text":"Just maybe switch out some fund managers if we can find a few better ones.","start":1162.8151,"end":1166.515,"sentiment":"neutral","sentiment_score":0.08088517809907596},{"text":"K.","start":1169.63,"end":1170.13,"sentiment":"neutral","sentiment_score":0.22587575018405912}],"sentiment":"neutral","sentiment_score":0.17935948300620783,"num_words":69,"start":1148.7101,"end":1170.13},{"sentences":[{"text":"K.","start":1171.63,"end":1172.11,"sentiment":"neutral","sentiment_score":0.2171852141618729},{"text":"So I'll call it a portfolio review.","start":1172.11,"end":1174.5299,"sentiment":"neutral","sentiment_score":0.18287408351898193},{"text":"Would you like me to do that to both accounts, both pension accounts, and just make sure they're both up to date?","start":1175.23,"end":1181.865,"sentiment":"neutral","sentiment_score":0.17513084750283847},{"text":"Yep.","start":1183.865,"end":1184.365,"sentiment":"neutral","sentiment_score":0.2295837104320526},{"text":"And risk level wise, your pension accounts are sitting at around about just under 30% in defensive assets and about 70% in growth assets.","start":1185.945,"end":1198.14,"sentiment":"neutral","sentiment_score":0.11284773082782824}],"sentiment":"neutral","sentiment_score":0.1506929398937659,"num_words":55,"start":1171.63,"end":1198.14},{"sentences":[{"text":"So kind of like a a three out of five on the risk scale.","start":1198.52,"end":1201.9,"sentiment":"neutral","sentiment_score":0.07869107755167144},{"text":"Are you okay to maintain that level, keep getting those pension payments out and focusing a bit more on growth and protection, or do you wanna look at maybe making it a bit safer?","start":1202.12,"end":1211.8551,"sentiment":"neutral","sentiment_score":0.10520803413408644},{"text":"It's it's a time game, unfortunately, where over a five to seven year period, it'll continue to perform pretty well.","start":1228.97,"end":1236.2699,"sentiment":"neutral","sentiment_score":0.1398739985190332},{"text":"It's just that when these types of events happen, it can have that those fluctuations in the short term as long as you're not you know, market goes down 15% and you try and pull out $200,000, that sequencing risk can be really brutal.","start":1236.4249,"end":1251.58,"sentiment":"neutral","sentiment_score":-0.011144562116400763},{"text":"But if you're okay to just have those little pension deductions and space it out over the years, it's not too bad.","start":1251.88,"end":1259.34,"sentiment":"neutral","sentiment_score":0.25488961217078293}],"sentiment":"neutral","sentiment_score":0.09398088769625816,"num_words":134,"start":1198.52,"end":1259.34},{"sentences":[{"text":"K.","start":1267.1749,"end":1267.6749,"sentiment":"neutral","sentiment_score":0.06290855258703232},{"text":"Because we'll put together this updated plan, like, we'll obviously have another discussion.","start":1268.615,"end":1272.775,"sentiment":"neutral","sentiment_score":0.11729392223060131},{"text":"And if we need to adjust the levers on risk, we can do so.","start":1272.775,"end":1276.98,"sentiment":"neutral","sentiment_score":0.06173188066376107},{"text":"But for the time being, if you could possibly provide that final letter from the ATO and just let us know when the funds come back to you, that would be great.","start":1277.2999,"end":1288.44,"sentiment":"positive","sentiment_score":0.39231545804068446},{"text":"I'm pretty much going to research the updated portfolios, calculate the sell downs, put together that plan, and we'll have that updated chat as well.","start":1288.74,"end":1301.465,"sentiment":"neutral","sentiment_score":0.29875554621219635}],"sentiment":"neutral","sentiment_score":0.2644112845115802,"num_words":85,"start":1267.1749,"end":1301.465},{"sentences":[{"text":"There'll be a lot of research getting done in the background for you guys, but I can basically pencil something in for early July.","start":1303.86,"end":1311.0801,"sentiment":"neutral","sentiment_score":0.17827324010431767},{"text":"Now it shouldn't be too bad.","start":1313.62,"end":1314.74,"sentiment":"positive","sentiment_score":0.3351174493630727},{"text":"I'm I'm only taking a couple of weeks off around the first two weeks of June.","start":1314.74,"end":1320.015,"sentiment":"neutral","sentiment_score":0.24342335108667612},{"text":"So I should even be back by the end of financial year, sort of transitioning back in.","start":1320.015,"end":1324.595,"sentiment":"neutral","sentiment_score":0.24846912569859447},{"text":"And if I take any leave, I'll let you know, but Savvy's there.","start":1324.815,"end":1328.815,"sentiment":"neutral","sentiment_score":0.17027506690758926}],"sentiment":"neutral","sentiment_score":0.21870509319399534,"num_words":76,"start":1303.86,"end":1328.815},{"sentences":[{"text":"Larissa is there.","start":1328.815,"end":1329.775,"sentiment":"neutral","sentiment_score":0.16074729959170023},{"text":"I'm there.","start":1329.775,"end":1330.515,"sentiment":"neutral","sentiment_score":0.16828423738479614},{"text":"Someone will be able to sort of walk through this plan with you.","start":1330.81,"end":1333.55,"sentiment":"neutral","sentiment_score":0.26391792182738966},{"text":"There may be one extra quick conversation I need to have at the end of this month or early May just to clarify a few details with you guys.","start":1333.77,"end":1342.59,"sentiment":"neutral","sentiment_score":0.14757249607094403},{"text":"But other than that, I pretty much have most of what I need.","start":1342.73,"end":1345.755,"sentiment":"neutral","sentiment_score":0.0387163026115069}],"sentiment":"neutral","sentiment_score":0.15054429462179542,"num_words":60,"start":1328.815,"end":1345.755},{"sentences":[{"text":"Awesome.","start":1348.955,"end":1349.455,"sentiment":"positive","sentiment_score":0.44538164138793945},{"text":"Richard, any other questions so far or ideas that you would like to consider?","start":1350.235,"end":1353.855,"sentiment":"neutral","sentiment_score":0.2505608807717051},{"text":"Yep.","start":1360.3301,"end":1360.8301,"sentiment":"neutral","sentiment_score":0.1746101826429367},{"text":"What I might do too is I might just send you guys a bit of an email update with the tentative strategies that we're considering just so you know what they are.","start":1362.49,"end":1370.975,"sentiment":"neutral","sentiment_score":0.19273236626759171},{"text":"Again, the the plans can take a bit of time to kind of write them, build them, calculate them, but I'll give you a bit of a recap of this conversation.","start":1371.995,"end":1378.975,"sentiment":"neutral","sentiment_score":0.13524803855726797}],"sentiment":"neutral","sentiment_score":0.18339201355282264,"num_words":79,"start":1348.955,"end":1378.975},{"sentences":[{"text":"Awesome.","start":1381.755,"end":1382.255,"sentiment":"positive","sentiment_score":0.40137550234794617},{"text":"Richard, did you guys receive the remediation payment okay into your account?","start":1382.53,"end":1386.39,"sentiment":"neutral","sentiment_score":0.26429475968082744},{"text":"Yep.","start":1388.29,"end":1388.79,"sentiment":"neutral","sentiment_score":0.28226664662361145},{"text":"No worries at all.","start":1388.85,"end":1390.07,"sentiment":"neutral","sentiment_score":0.28765998035669327},{"text":"And, look, thank you for raising it, of course, and was happy to investigate.","start":1390.21,"end":1394.53,"sentiment":"positive","sentiment_score":0.5322194972208568}],"sentiment":"positive","sentiment_score":0.389277879614383,"num_words":32,"start":1381.755,"end":1394.53},{"sentences":[{"text":"I do apologize it took the time that it did to investigate, but finding that information was, I guess, it was a good outcome.","start":1394.53,"end":1402.005,"sentiment":"positive","sentiment_score":0.39012800715863705},{"text":"Absolutely.","start":1402.005,"end":1402.505,"sentiment":"positive","sentiment_score":0.8078731298446655},{"text":"All good.","start":1408.18,"end":1409.0,"sentiment":"positive","sentiment_score":0.8024633824825287},{"text":"So is there anything else I can do for you before I let you go?","start":1409.62,"end":1412.92,"sentiment":"positive","sentiment_score":0.3813013007243474},{"text":"Amazing, Richard.","start":1415.46,"end":1416.4401,"sentiment":"positive","sentiment_score":0.8200564086437225}],"sentiment":"positive","sentiment_score":0.4348978271538561,"num_words":44,"start":1394.53,"end":1416.4401},{"sentences":[{"text":"I will dive into it now, email you by the end of the week, and I will be in touch as soon as I can.","start":1416.66,"end":1422.375,"sentiment":"positive","sentiment_score":0.47833845257759094},{"text":"Thank you, mate.","start":1425.255,"end":1425.895,"sentiment":"positive","sentiment_score":0.8291110992431641},{"text":"Have a great week, and say hi to Moshe for me.","start":1425.895,"end":1428.395,"sentiment":"positive","sentiment_score":0.7780425331809304},{"text":"Cheers, Richard.","start":1430.375,"end":1431.175,"sentiment":"positive","sentiment_score":0.6578220427036285},{"text":"Bye.","start":1431.175,"end":1431.675,"sentiment":"neutral","sentiment_score":-0.10577388852834702}],"sentiment":"positive","sentiment_score":0.5765269684294859,"num_words":42,"start":1416.66,"end":1431.675}]}}]},{"alternatives":[{"transcript":"Hello? No. Not too bad. Thanks. Yep. Merce is going off with one of her friends. She had an appointment, so I'm here alone. Yep. Mhmm. Yep. Yep. Yep. 01/06/1955. That's 17 Moorea Court, Pacific Pines. Yes. It's a tech link. Yep. Yep. Yeah. We got a got a letter from the tax office, so we get to bid over 6,006 thousand something tax. Say that again. But Yeah. Yeah. Yep. Yep. Yep. Yes. Yep. Mhmm. Yep. Well, what I was what I was considering would be nurses will be available from July this this year, and mine mine won't be until July the following year. Yeah. Well, what I was what I was thinking was, you know, the the 300,000 investment account we have that's not in not in yeah. Yeah. I was thinking if we cash that in, so pull that out, put 300,000 of that into Mercers in July, We'll retain the the balance. Just put that into savings to pay tax because it'll be a capital gains tax on that, I guess. That's the the tax. Yeah. Yeah. Yeah. Yeah. Well, I was I think the the easiest for us would be just to to take the 300,000 of that, roll it into Mercers' pension fund. And whatever's left over after tax, we'll just keep in savings plus the $210,211. The tax office will put back into our savings account. We'll just hang on to that for for another twelve months, and then I'll add into my pension. And July yeah. I thought maybe we just do the two separate. Yeah. And and just to inquire how the tax is applied to that capital gains, You gave me the the figures. Would it be taxed at 47%, or is it taxed at your normal tax? Tax rates. Yeah. Yeah. No. I I would think that it would split fifty fifty, and this would have no other income. So it's 18,018 thousand 200 tax free. She would only pay 15% on a couple of thousand dollars, wouldn't she? Right. So she wouldn't pay any tax? Mhmm. No. No. Nothing really. A little bit a little bit of interest on a on a savings account. I mean no. No. We just we get 4.8, I think. 4.8% if we continue depositing money into the account. No. No. No. No. So and in in my case, I have a DFIDB pension from a military service that is taxed. So it would be added my my portion of the capital gains would be added to my DFIDB. So I would have a bit a bit of tax to pay, not not a great deal. No. No. I spent 25,000 a year like it. No. No. No. We'll just no. We'll just pay the pay the tax and because this is not gonna happen until July year. So we won't be, like, taxed until the following year anyway. So it's it's gonna be a long way off. One question I did one question I did have. Now that tax office has secured this money and they'll take the tax that they that they they calculated. Yeah. But that was their calculation was based on figures that they got in, I think it was November 25. You know, from from that date to now, basically, another year, that extra money in the account has accumulated some interest. Are they gonna come after more tax on that? Mhmm. Well, it it wouldn't surprise me if they did because anyway. Yeah. Yeah. So anyway, that's I think that's probably the best way for us to to to do it with, like I say, take the 300,000 from that investment account, roll that over in the Mercer Super in July in July. And we'll keep whatever we've whatever is left over. We'll just keep in savings until the following July and put it into mine. It should be it should be coming close to the 300 another 300,000. Mhmm. Well, the the contribution versus contribution won't be eligible until July. Like, her three year is comes up in July or at the June this year. So Yep. Yeah. I'll be inclined to leave it grow. I think I think the market will recover a bit yet once bloody Trump sorts. I ran here. When the oil starts flowing again, the market should recover some yet. So, yeah, let it ride till, you know, towards June. Yep. Yep. Yep. Yep. Seems good. Yeah. Yeah. Yep. That's fine. Okay. No. I think it's been performing pretty well. Yep. As is. Yeah. Yeah. Yeah. Well, just just carry on, I think. Mhmm. Yes. Yep. Mhmm. Yep. Okay. So it's it's about covers it, I think. Fair enough. We did. Yes. Thank you. All good. That's all. Thanks very much. Okay. Thanks very much.","confidence":0.98186815,"words":[{"word":"hello","start":0.64,"end":1.14,"confidence":0.9818002,"punctuated_word":"Hello?","sentiment":"neutral","sentiment_score":0.0164017453789711},{"word":"no","start":3.6799998,"end":4.18,"confidence":0.62395453,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.05754707753658295},{"word":"not","start":6.72,"end":6.7999997,"confidence":0.45789784,"punctuated_word":"Not","sentiment":"neutral","sentiment_score":0.1896117776632309},{"word":"too","start":6.7999997,"end":7.04,"confidence":0.5495917,"punctuated_word":"too","sentiment":"neutral","sentiment_score":0.06456771492958069},{"word":"bad","start":7.04,"end":7.2,"confidence":0.71695167,"punctuated_word":"bad.","sentiment":"neutral","sentiment_score":0.190634161233902},{"word":"thanks","start":7.2,"end":7.7,"confidence":0.764215,"punctuated_word":"Thanks.","sentiment":"positive","sentiment_score":0.4330635070800781},{"word":"yep","start":17.525,"end":18.025,"confidence":0.7898746,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04842302203178406},{"word":"merce","start":21.605,"end":21.925,"confidence":0.4297061,"punctuated_word":"Merce","sentiment":"neutral","sentiment_score":0.1344980001449585},{"word":"is","start":21.925,"end":22.425,"confidence":0.91157424,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.10587392002344131},{"word":"going","start":24.244999,"end":24.565,"confidence":0.59711474,"punctuated_word":"going","sentiment":"neutral","sentiment_score":0.11258284747600555},{"word":"off","start":24.565,"end":24.885,"confidence":0.9936609,"punctuated_word":"off","sentiment":"neutral","sentiment_score":0.08050128072500229},{"word":"with","start":24.885,"end":25.125,"confidence":0.994747,"punctuated_word":"with","sentiment":"neutral","sentiment_score":0.09372841566801073},{"word":"one","start":25.125,"end":25.285,"confidence":0.9991673,"punctuated_word":"one","sentiment":"neutral","sentiment_score":0.12253937125205994},{"word":"of","start":25.285,"end":25.445,"confidence":0.9983375,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.14331574738025665},{"word":"her","start":25.445,"end":25.685001,"confidence":0.9721701,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.1175861358642578},{"word":"friends","start":25.685001,"end":26.185001,"confidence":0.9968245,"punctuated_word":"friends.","sentiment":"neutral","sentiment_score":0.11189532279968262},{"word":"she","start":27.06,"end":27.3,"confidence":0.9971468,"punctuated_word":"She","sentiment":"neutral","sentiment_score":0.10568198561668396},{"word":"had","start":27.3,"end":27.539999,"confidence":0.97241807,"punctuated_word":"had","sentiment":"neutral","sentiment_score":0.09874426573514938},{"word":"an","start":27.539999,"end":27.779999,"confidence":0.999814,"punctuated_word":"an","sentiment":"neutral","sentiment_score":0.10270609706640244},{"word":"appointment","start":27.779999,"end":28.279999,"confidence":0.75154567,"punctuated_word":"appointment,","sentiment":"neutral","sentiment_score":0.12478799372911452},{"word":"so","start":30.02,"end":30.34,"confidence":0.9551256,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.08146566152572632},{"word":"i'm","start":30.34,"end":30.66,"confidence":0.9995652,"punctuated_word":"I'm","sentiment":"neutral","sentiment_score":0.11106591671705246},{"word":"here","start":30.66,"end":31.06,"confidence":0.9990602,"punctuated_word":"here","sentiment":"neutral","sentiment_score":0.21901722252368927},{"word":"alone","start":31.06,"end":31.56,"confidence":0.98228776,"punctuated_word":"alone.","sentiment":"neutral","sentiment_score":0.13637642562389374},{"word":"yep","start":34.02,"end":34.52,"confidence":0.8617238,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1866314709186554},{"word":"mhmm","start":40.98,"end":41.48,"confidence":0.9737619,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.05467816814780235},{"word":"yep","start":41.86,"end":42.36,"confidence":0.94416845,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.11752305924892426},{"word":"yep","start":47.375,"end":47.775,"confidence":0.9875328,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.04901102930307388},{"word":"yep","start":47.775,"end":48.275,"confidence":0.77271783,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07224929332733154},{"word":"01/06/1955","start":57.780003,"end":60.2,"confidence":0.87711096,"punctuated_word":"01/06/1955.","sentiment":"neutral","sentiment_score":0.018607981503009796},{"word":"that's","start":61.7,"end":62.02,"confidence":0.8265759,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":0.03756720572710037},{"word":"17","start":62.02,"end":62.52,"confidence":0.9992841,"punctuated_word":"17","sentiment":"neutral","sentiment_score":0.04130714386701584},{"word":"moorea","start":63.06,"end":63.56,"confidence":0.65086675,"punctuated_word":"Moorea","sentiment":"neutral","sentiment_score":0.048269305378198624},{"word":"court","start":63.620003,"end":64.1,"confidence":0.9541949,"punctuated_word":"Court,","sentiment":"neutral","sentiment_score":0.04595685005187988},{"word":"pacific","start":64.1,"end":64.58,"confidence":0.9993303,"punctuated_word":"Pacific","sentiment":"neutral","sentiment_score":0.06598139554262161},{"word":"pines","start":64.58,"end":65.08,"confidence":0.99770504,"punctuated_word":"Pines.","sentiment":"neutral","sentiment_score":0.07461438328027725},{"word":"yes","start":77.215004,"end":77.715004,"confidence":0.78639543,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.07222145050764084},{"word":"it's","start":77.935005,"end":78.255005,"confidence":0.7881151,"punctuated_word":"It's","sentiment":"neutral","sentiment_score":0.05843774974346161},{"word":"a","start":78.255005,"end":78.415,"confidence":0.1914896,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.05208776518702507},{"word":"tech","start":78.415,"end":78.655,"confidence":0.49082777,"punctuated_word":"tech","sentiment":"neutral","sentiment_score":0.058521997183561325},{"word":"link","start":78.655,"end":79.155,"confidence":0.71114564,"punctuated_word":"link.","sentiment":"neutral","sentiment_score":0.05204667150974274},{"word":"yep","start":87.71,"end":88.21,"confidence":0.9833544,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.08293203264474869},{"word":"yep","start":108.415,"end":108.75,"confidence":0.8118189,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.022226300090551376},{"word":"yeah","start":109.95,"end":110.27,"confidence":0.99233973,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.017666790634393692},{"word":"we","start":110.27,"end":110.43,"confidence":0.9900832,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.01804079487919807},{"word":"got","start":110.43,"end":110.67,"confidence":0.9106391,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.01744261384010315},{"word":"a","start":110.67,"end":110.99,"confidence":0.91647387,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.008493395522236824},{"word":"got","start":110.99,"end":111.15,"confidence":0.84005815,"punctuated_word":"got","sentiment":"neutral","sentiment_score":0.006806813180446625},{"word":"a","start":111.15,"end":111.31,"confidence":0.9977822,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.01177789457142353},{"word":"letter","start":111.31,"end":111.71,"confidence":0.99267584,"punctuated_word":"letter","sentiment":"neutral","sentiment_score":0.0045007579028606415},{"word":"from","start":111.71,"end":111.95,"confidence":0.9982343,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.0125269815325737},{"word":"the","start":111.95,"end":112.11,"confidence":0.9977818,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.012468822300434113},{"word":"tax","start":112.11,"end":112.43,"confidence":0.989786,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.02916470170021057},{"word":"office","start":112.43,"end":112.75,"confidence":0.7067187,"punctuated_word":"office,","sentiment":"neutral","sentiment_score":0.027961160987615585},{"word":"so","start":112.75,"end":113.25,"confidence":0.81141657,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.057965800166130066},{"word":"we","start":114.43,"end":114.59,"confidence":0.43688223,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.048016130924224854},{"word":"get","start":114.59,"end":114.83,"confidence":0.8497466,"punctuated_word":"get","sentiment":"neutral","sentiment_score":0.060643475502729416},{"word":"to","start":114.83,"end":115.07,"confidence":0.67785066,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04261580854654312},{"word":"bid","start":115.07,"end":115.23,"confidence":0.86778545,"punctuated_word":"bid","sentiment":"neutral","sentiment_score":0.025182202458381653},{"word":"over","start":115.23,"end":115.55,"confidence":0.9852085,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.03304106742143631},{"word":"6,006","start":115.55,"end":116.51,"confidence":0.7764428,"punctuated_word":"6,006","sentiment":"neutral","sentiment_score":0.02621302381157875},{"word":"thousand","start":116.51,"end":117.01,"confidence":0.9920101,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.01611969992518425},{"word":"something","start":117.07,"end":117.57,"confidence":0.8729741,"punctuated_word":"something","sentiment":"neutral","sentiment_score":0.0022011473774909973},{"word":"tax","start":118.67,"end":119.17,"confidence":0.9887458,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":0.0245647095143795},{"word":"say","start":134.33499,"end":134.655,"confidence":0.5733277,"punctuated_word":"Say","sentiment":"neutral","sentiment_score":0.08758468925952911},{"word":"that","start":134.655,"end":134.815,"confidence":0.9987754,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0905894786119461},{"word":"again","start":134.815,"end":135.135,"confidence":0.7212603,"punctuated_word":"again.","sentiment":"neutral","sentiment_score":0.006360670551657677},{"word":"but","start":135.135,"end":135.54,"confidence":0.6369028,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.023988153785467148},{"word":"yeah","start":142.09999,"end":142.57999,"confidence":0.98881847,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.13575151562690735},{"word":"yeah","start":142.57999,"end":143.07999,"confidence":0.93346167,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.16976626217365265},{"word":"yep","start":143.45999,"end":143.95999,"confidence":0.78116614,"punctuated_word":"Yep.","sentiment":"positive","sentiment_score":0.3998112082481384},{"word":"yep","start":155.635,"end":156.135,"confidence":0.9886054,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.07282011210918427},{"word":"yep","start":156.515,"end":157.015,"confidence":0.8979192,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.12959644198417664},{"word":"yes","start":174.54,"end":175.04,"confidence":0.98247814,"punctuated_word":"Yes.","sentiment":"positive","sentiment_score":0.3834885358810425},{"word":"yep","start":188.295,"end":188.52,"confidence":0.9432769,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.3314797282218933},{"word":"mhmm","start":199.48001,"end":199.98001,"confidence":0.88076484,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.058401528745889664},{"word":"yep","start":207.925,"end":208.425,"confidence":0.9900086,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.03180665895342827},{"word":"well","start":222.64,"end":222.8,"confidence":0.9743892,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.01487305387854576},{"word":"what","start":222.8,"end":223.12,"confidence":0.9141596,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.00637919083237648},{"word":"i","start":223.12,"end":223.2,"confidence":0.9988268,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.003351569175720215},{"word":"was","start":223.2,"end":223.7,"confidence":0.9991861,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.012278228998184204},{"word":"what","start":223.76,"end":224.08,"confidence":0.9774785,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.006688449531793594},{"word":"i","start":224.08,"end":224.16,"confidence":0.99873286,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.008745342493057251},{"word":"was","start":224.16,"end":224.66,"confidence":0.99993515,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.0003484673798084259},{"word":"considering","start":225.36,"end":225.86,"confidence":0.9989415,"punctuated_word":"considering","sentiment":"neutral","sentiment_score":0.015248402953147888},{"word":"would","start":226.32,"end":226.56,"confidence":0.9968124,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.019482403993606567},{"word":"be","start":226.56,"end":227.06,"confidence":0.9968574,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.010615911334753036},{"word":"nurses","start":233.215,"end":233.69499,"confidence":0.7590119,"punctuated_word":"nurses","sentiment":"neutral","sentiment_score":-0.01216832920908928},{"word":"will","start":233.69499,"end":233.935,"confidence":0.9860282,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.015197403728961945},{"word":"be","start":233.935,"end":234.095,"confidence":0.9990791,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.007466580718755722},{"word":"available","start":234.095,"end":234.595,"confidence":0.9995926,"punctuated_word":"available","sentiment":"neutral","sentiment_score":-0.007782664149999619},{"word":"from","start":236.97499,"end":237.295,"confidence":0.9965475,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.0009875185787677765},{"word":"july","start":237.295,"end":237.69499,"confidence":0.9994173,"punctuated_word":"July","sentiment":"neutral","sentiment_score":-0.0004941187798976898},{"word":"this","start":237.69499,"end":238.19499,"confidence":0.8379596,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.016445014625787735},{"word":"this","start":238.33499,"end":238.575,"confidence":0.8892122,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.02274629846215248},{"word":"year","start":238.575,"end":239.075,"confidence":0.8053392,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":0.019795788452029228},{"word":"and","start":240.415,"end":240.735,"confidence":0.9942158,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.010790407657623293},{"word":"mine","start":240.735,"end":241.135,"confidence":0.9648901,"punctuated_word":"mine","sentiment":"neutral","sentiment_score":-0.01697075366973877},{"word":"mine","start":241.135,"end":241.61499,"confidence":0.9806882,"punctuated_word":"mine","sentiment":"neutral","sentiment_score":-0.018582483753561977},{"word":"won't","start":241.61499,"end":241.935,"confidence":0.9949843,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.01073045190423727},{"word":"be","start":241.935,"end":242.435,"confidence":0.9990695,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.035347696393728256},{"word":"until","start":243.055,"end":243.535,"confidence":0.9924177,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.046538714319467545},{"word":"july","start":243.535,"end":243.935,"confidence":0.9997447,"punctuated_word":"July","sentiment":"neutral","sentiment_score":-0.01985747367143631},{"word":"the","start":243.935,"end":244.095,"confidence":0.8973192,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.019066743552684784},{"word":"following","start":244.095,"end":244.415,"confidence":0.99978334,"punctuated_word":"following","sentiment":"neutral","sentiment_score":-0.03673238679766655},{"word":"year","start":244.415,"end":244.8,"confidence":0.94055796,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.005593372508883476},{"word":"yeah","start":257.04,"end":257.28,"confidence":0.9396767,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.03078010492026806},{"word":"well","start":257.28,"end":257.78,"confidence":0.9932256,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.02312310971319675},{"word":"what","start":257.84,"end":258.08002,"confidence":0.9984775,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.01144840195775032},{"word":"i","start":258.08002,"end":258.16,"confidence":0.9958443,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0025190673768520355},{"word":"was","start":258.16,"end":258.4,"confidence":0.9978532,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.012467797845602036},{"word":"what","start":258.4,"end":258.64,"confidence":0.99163556,"punctuated_word":"what","sentiment":"neutral","sentiment_score":0.011374223977327349},{"word":"i","start":258.64,"end":258.8,"confidence":0.99909496,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.0018206536769866943},{"word":"was","start":258.8,"end":259.04,"confidence":0.999923,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.01329042762517929},{"word":"thinking","start":259.04,"end":259.54,"confidence":0.99929833,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.003321971744298935},{"word":"was","start":259.84,"end":260.295,"confidence":0.98091525,"punctuated_word":"was,","sentiment":"neutral","sentiment_score":-0.011225080117583277},{"word":"you","start":260.695,"end":260.77502,"confidence":0.9995813,"punctuated_word":"you","sentiment":"neutral","sentiment_score":-0.016383301466703415},{"word":"know","start":260.77502,"end":261.17502,"confidence":0.99379075,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.01550273410975933},{"word":"the","start":261.17502,"end":261.415,"confidence":0.94608355,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.02078008279204369},{"word":"the","start":261.415,"end":261.655,"confidence":0.9688817,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.0008196905255317688},{"word":"300,000","start":261.655,"end":263.515,"confidence":0.9983616,"punctuated_word":"300,000","sentiment":"neutral","sentiment_score":0.021389037370681763},{"word":"investment","start":265.815,"end":266.315,"confidence":0.99720544,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":-0.0032552629709243774},{"word":"account","start":267.73502,"end":268.05502,"confidence":0.9726618,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.01740843802690506},{"word":"we","start":268.05502,"end":268.295,"confidence":0.99548596,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.0009104423224925996},{"word":"have","start":268.295,"end":268.795,"confidence":0.9998282,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.011140644550323486},{"word":"that's","start":269.575,"end":269.89502,"confidence":0.7299494,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":-0.016591345891356468},{"word":"not","start":269.89502,"end":270.135,"confidence":0.99747986,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.02833910658955574},{"word":"in","start":270.135,"end":270.375,"confidence":0.9942002,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.028098205104470253},{"word":"not","start":270.375,"end":270.61502,"confidence":0.986723,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.04325812682509422},{"word":"in","start":270.61502,"end":271.11502,"confidence":0.99952865,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.025767629966139793},{"word":"yeah","start":271.73502,"end":272.135,"confidence":0.98409593,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.03073139488697052},{"word":"yeah","start":272.135,"end":272.55,"confidence":0.9985031,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.02589767426252365},{"word":"i","start":274.47,"end":274.71,"confidence":0.9808497,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.005032476037740707},{"word":"was","start":274.71,"end":274.87,"confidence":0.9915051,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.008011586964130402},{"word":"thinking","start":274.87,"end":275.11,"confidence":0.53523695,"punctuated_word":"thinking","sentiment":"neutral","sentiment_score":0.015396419912576675},{"word":"if","start":275.11,"end":275.27,"confidence":0.9119266,"punctuated_word":"if","sentiment":"neutral","sentiment_score":0.03147069364786148},{"word":"we","start":275.27,"end":275.50998,"confidence":0.99674463,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.02557267993688583},{"word":"cash","start":275.50998,"end":275.75,"confidence":0.8515801,"punctuated_word":"cash","sentiment":"neutral","sentiment_score":0.031401120126247406},{"word":"that","start":275.75,"end":276.06998,"confidence":0.9987691,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.007972635328769684},{"word":"in","start":276.06998,"end":276.56998,"confidence":0.81665313,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":0.02666507288813591},{"word":"so","start":277.34998,"end":277.83,"confidence":0.50051945,"punctuated_word":"so","sentiment":"neutral","sentiment_score":0.07694286108016968},{"word":"pull","start":277.83,"end":277.99,"confidence":0.9553899,"punctuated_word":"pull","sentiment":"neutral","sentiment_score":0.07194463908672333},{"word":"that","start":277.99,"end":278.22998,"confidence":0.9900883,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.037296995520591736},{"word":"out","start":278.22998,"end":278.72998,"confidence":0.9421438,"punctuated_word":"out,","sentiment":"neutral","sentiment_score":0.03774328902363777},{"word":"put","start":279.19,"end":279.43,"confidence":0.99242663,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.060917116701602936},{"word":"300,000","start":279.43,"end":280.56998,"confidence":0.99909,"punctuated_word":"300,000","sentiment":"neutral","sentiment_score":0.08728691190481186},{"word":"of","start":282.22998,"end":282.38998,"confidence":0.9771237,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.04672400653362274},{"word":"that","start":282.38998,"end":282.71,"confidence":0.9973591,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.05079501122236252},{"word":"into","start":282.71,"end":283.11,"confidence":0.74602,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.07389181107282639},{"word":"mercers","start":283.11,"end":283.61,"confidence":0.81268704,"punctuated_word":"Mercers","sentiment":"neutral","sentiment_score":0.07304829359054565},{"word":"in","start":284.06998,"end":284.56998,"confidence":0.9772794,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.027922220528125763},{"word":"july","start":285.11,"end":285.61,"confidence":0.8949746,"punctuated_word":"July,","sentiment":"neutral","sentiment_score":0.04656941816210747},{"word":"we'll","start":288.835,"end":289.155,"confidence":0.98550004,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.11151622235774994},{"word":"retain","start":289.155,"end":289.655,"confidence":0.98205596,"punctuated_word":"retain","sentiment":"neutral","sentiment_score":0.1318323314189911},{"word":"the","start":289.79498,"end":290.29498,"confidence":0.98874575,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.10930173844099043},{"word":"the","start":290.755,"end":290.835,"confidence":0.83753884,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1169268786907196},{"word":"balance","start":290.835,"end":291.335,"confidence":0.8161777,"punctuated_word":"balance.","sentiment":"neutral","sentiment_score":-0.011492441408336164},{"word":"just","start":292.035,"end":292.435,"confidence":0.9995245,"punctuated_word":"Just","sentiment":"neutral","sentiment_score":0.03707803785800934},{"word":"put","start":292.435,"end":292.675,"confidence":0.9986009,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.036296993494033813},{"word":"that","start":292.675,"end":293.075,"confidence":0.98009914,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1346239149570465},{"word":"into","start":293.075,"end":293.475,"confidence":0.8964186,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.09257161617279051},{"word":"savings","start":293.475,"end":293.975,"confidence":0.9990282,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.08196428418159485},{"word":"to","start":294.115,"end":294.355,"confidence":0.9958145,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.04252046346664429},{"word":"pay","start":294.355,"end":294.595,"confidence":0.9993476,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":0.01989683508872986},{"word":"tax","start":294.595,"end":295.095,"confidence":0.99793077,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.1603178083896637},{"word":"because","start":296.195,"end":296.595,"confidence":0.8060517,"punctuated_word":"because","sentiment":"neutral","sentiment_score":0.005689755082130432},{"word":"it'll","start":296.595,"end":296.835,"confidence":0.9740402,"punctuated_word":"it'll","sentiment":"neutral","sentiment_score":-0.02244347706437111},{"word":"be","start":296.835,"end":296.995,"confidence":0.99942255,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.03440751135349274},{"word":"a","start":296.995,"end":297.075,"confidence":0.99628097,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.048490360379219055},{"word":"capital","start":297.075,"end":297.555,"confidence":0.98654824,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.10646475851535796},{"word":"gains","start":297.555,"end":297.955,"confidence":0.9849267,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":-0.08367730677127838},{"word":"tax","start":297.955,"end":298.455,"confidence":0.920531,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.04265609383583069},{"word":"on","start":298.675,"end":298.835,"confidence":0.997359,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.015037253499031069},{"word":"that","start":298.835,"end":299.075,"confidence":0.9846916,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":-0.0009989887475967407},{"word":"i","start":299.075,"end":299.235,"confidence":0.99954,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.062271855771541595},{"word":"guess","start":299.235,"end":299.735,"confidence":0.9948834,"punctuated_word":"guess.","sentiment":"neutral","sentiment_score":0.03927929699420929},{"word":"that's","start":363.54,"end":363.86,"confidence":0.9918132,"punctuated_word":"That's","sentiment":"neutral","sentiment_score":-0.15917453169822693},{"word":"the","start":363.86,"end":364.36,"confidence":0.9828467,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.10176072269678116},{"word":"the","start":366.1,"end":366.42,"confidence":0.93598485,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.12944981455802915},{"word":"tax","start":366.42,"end":366.92,"confidence":0.9805865,"punctuated_word":"tax.","sentiment":"neutral","sentiment_score":-0.11257894337177277},{"word":"yeah","start":378.295,"end":378.795,"confidence":0.9825742,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.12100209295749664},{"word":"yeah","start":384.935,"end":385.435,"confidence":0.92246485,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.1396341770887375},{"word":"yeah","start":390.68,"end":391.18,"confidence":0.7664056,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2688157558441162},{"word":"yeah","start":395.96,"end":396.2,"confidence":0.9922917,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.23810723423957825},{"word":"well","start":396.2,"end":396.68,"confidence":0.9869477,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.1697211712598801},{"word":"i","start":396.68,"end":397.18,"confidence":0.9883978,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.17477476596832275},{"word":"was","start":398.04,"end":398.12,"confidence":0.9667996,"punctuated_word":"was","sentiment":"neutral","sentiment_score":0.19997385144233704},{"word":"i","start":398.44,"end":398.52,"confidence":0.9993437,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.16831912100315094},{"word":"think","start":398.52,"end":399.02,"confidence":0.99973303,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.21067288517951965},{"word":"the","start":399.4,"end":399.9,"confidence":0.9738771,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20483866333961487},{"word":"the","start":400.04,"end":400.12,"confidence":0.83868504,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.20118533074855804},{"word":"easiest","start":400.12,"end":400.62,"confidence":0.99872714,"punctuated_word":"easiest","sentiment":"neutral","sentiment_score":0.24622197449207303},{"word":"for","start":400.76,"end":401.0,"confidence":0.99892277,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.2055220901966095},{"word":"us","start":401.0,"end":401.4,"confidence":0.99897015,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.2189110517501831},{"word":"would","start":401.4,"end":401.64,"confidence":0.9994504,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.2880483567714691},{"word":"be","start":401.64,"end":401.96,"confidence":0.99976677,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.2481868416070938},{"word":"just","start":401.96,"end":402.315,"confidence":0.99705184,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.17558234930038452},{"word":"to","start":402.795,"end":403.295,"confidence":0.97683674,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1695091724395752},{"word":"to","start":403.835,"end":404.075,"confidence":0.93079466,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.16136160492897034},{"word":"take","start":404.075,"end":404.575,"confidence":0.99961925,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.16581130027770996},{"word":"the","start":404.95502,"end":405.195,"confidence":0.99770063,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.17274068295955658},{"word":"300,000","start":405.195,"end":406.175,"confidence":0.9934265,"punctuated_word":"300,000","sentiment":"neutral","sentiment_score":0.2162582129240036},{"word":"of","start":408.875,"end":409.115,"confidence":0.9908579,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.17416641116142273},{"word":"that","start":409.115,"end":409.615,"confidence":0.84257936,"punctuated_word":"that,","sentiment":"neutral","sentiment_score":0.0975453406572342},{"word":"roll","start":412.555,"end":412.795,"confidence":0.8977346,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.1938324272632599},{"word":"it","start":412.795,"end":413.035,"confidence":0.9215363,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.15061792731285095},{"word":"into","start":413.035,"end":413.535,"confidence":0.98425585,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.18478959798812863},{"word":"mercers'","start":413.835,"end":414.335,"confidence":0.57208186,"punctuated_word":"Mercers'","sentiment":"neutral","sentiment_score":0.1985851228237152},{"word":"pension","start":415.74002,"end":416.24002,"confidence":0.26234475,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.15888389945030212},{"word":"fund","start":416.30002,"end":416.80002,"confidence":0.8647449,"punctuated_word":"fund.","sentiment":"neutral","sentiment_score":0.17266005277633667},{"word":"and","start":420.30002,"end":420.80002,"confidence":0.9982652,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.1258617341518402},{"word":"whatever's","start":421.26,"end":421.76,"confidence":0.9347825,"punctuated_word":"whatever's","sentiment":"neutral","sentiment_score":0.13392497599124908},{"word":"left","start":421.82,"end":422.14,"confidence":0.87926346,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.104103222489357},{"word":"over","start":422.14,"end":422.64,"confidence":0.9674096,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.004487544298171997},{"word":"after","start":423.26,"end":423.66,"confidence":0.9036603,"punctuated_word":"after","sentiment":"neutral","sentiment_score":0.03321734070777893},{"word":"tax","start":423.66,"end":423.98,"confidence":0.9496065,"punctuated_word":"tax,","sentiment":"neutral","sentiment_score":0.08629240095615387},{"word":"we'll","start":423.98,"end":424.22,"confidence":0.8461297,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.19914107024669647},{"word":"just","start":424.22,"end":424.46002,"confidence":0.9993642,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.15994882583618164},{"word":"keep","start":424.46002,"end":424.7,"confidence":0.88411885,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.26761484146118164},{"word":"in","start":424.7,"end":425.2,"confidence":0.997938,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.17451757192611694},{"word":"savings","start":425.26,"end":425.76,"confidence":0.99967396,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.2115305662155151},{"word":"plus","start":426.935,"end":427.435,"confidence":0.9994319,"punctuated_word":"plus","sentiment":"neutral","sentiment_score":0.22963564097881317},{"word":"the","start":427.895,"end":428.055,"confidence":0.99044514,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.22087329626083377},{"word":"$210,211","start":428.055,"end":429.91498,"confidence":0.96240336,"punctuated_word":"$210,211.","sentiment":"neutral","sentiment_score":0.23542249202728271},{"word":"the","start":431.57498,"end":431.97498,"confidence":0.92965436,"punctuated_word":"The","sentiment":"neutral","sentiment_score":0.13522043824195862},{"word":"tax","start":431.97498,"end":432.29498,"confidence":0.98405993,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.13739986717700958},{"word":"office","start":432.29498,"end":432.615,"confidence":0.99635494,"punctuated_word":"office","sentiment":"neutral","sentiment_score":0.07235604524612427},{"word":"will","start":432.615,"end":432.85498,"confidence":0.98506147,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.12337852269411088},{"word":"put","start":432.85498,"end":433.01498,"confidence":0.9983595,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.1283872276544571},{"word":"back","start":433.01498,"end":433.255,"confidence":0.9934729,"punctuated_word":"back","sentiment":"neutral","sentiment_score":0.18858009576797485},{"word":"into","start":433.255,"end":433.495,"confidence":0.9970138,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.12159667909145357},{"word":"our","start":433.495,"end":433.735,"confidence":0.9697676,"punctuated_word":"our","sentiment":"neutral","sentiment_score":0.16890788078308103},{"word":"savings","start":433.735,"end":434.13498,"confidence":0.99890757,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.04263141751289368},{"word":"account","start":434.13498,"end":434.455,"confidence":0.9677645,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.14984509348869324},{"word":"we'll","start":434.455,"end":434.615,"confidence":0.9664848,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.16131016612052915},{"word":"just","start":434.615,"end":434.85498,"confidence":0.99967945,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1098928153514862},{"word":"hang","start":434.85498,"end":435.01498,"confidence":0.9939622,"punctuated_word":"hang","sentiment":"neutral","sentiment_score":0.030883118510246277},{"word":"on","start":435.01498,"end":435.175,"confidence":0.8420246,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.024550214409828183},{"word":"to","start":435.175,"end":435.335,"confidence":0.9869414,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.0983412265777588},{"word":"that","start":435.335,"end":435.815,"confidence":0.9992453,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.16271772980690002},{"word":"for","start":435.815,"end":436.13498,"confidence":0.96819735,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0066616833209991455},{"word":"for","start":436.13498,"end":436.375,"confidence":0.6163833,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.0012725144624710083},{"word":"another","start":436.375,"end":436.69498,"confidence":0.99297947,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.04110157489776611},{"word":"twelve","start":436.69498,"end":437.01498,"confidence":0.9993224,"punctuated_word":"twelve","sentiment":"neutral","sentiment_score":0.042469412088394165},{"word":"months","start":437.01498,"end":437.51498,"confidence":0.73778456,"punctuated_word":"months,","sentiment":"neutral","sentiment_score":0.1119273453950882},{"word":"and","start":439.77002,"end":440.27002,"confidence":0.83461136,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.0977555513381958},{"word":"then","start":440.33002,"end":440.81,"confidence":0.8995372,"punctuated_word":"then","sentiment":"neutral","sentiment_score":0.13275840878486633},{"word":"i'll","start":440.81,"end":441.05002,"confidence":0.65269446,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":0.1508307307958603},{"word":"add","start":441.05002,"end":441.21002,"confidence":0.97930956,"punctuated_word":"add","sentiment":"neutral","sentiment_score":0.1956107467412949},{"word":"into","start":441.21002,"end":441.53,"confidence":0.732283,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.1337498128414154},{"word":"my","start":441.53,"end":442.03,"confidence":0.99938047,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.17427444458007812},{"word":"pension","start":442.41,"end":442.91,"confidence":0.78396106,"punctuated_word":"pension.","sentiment":"neutral","sentiment_score":0.1748920381069183},{"word":"and","start":445.77002,"end":446.17,"confidence":0.5118655,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.04849304258823395},{"word":"july","start":446.17,"end":446.67,"confidence":0.9380731,"punctuated_word":"July","sentiment":"neutral","sentiment_score":0.0639043003320694},{"word":"yeah","start":449.53,"end":450.03,"confidence":0.9927567,"punctuated_word":"yeah.","sentiment":"neutral","sentiment_score":0.15168990194797516},{"word":"i","start":478.41,"end":478.57,"confidence":0.43898967,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.02579135075211525},{"word":"thought","start":478.57,"end":478.81003,"confidence":0.9635248,"punctuated_word":"thought","sentiment":"neutral","sentiment_score":0.006210934370756149},{"word":"maybe","start":478.81003,"end":479.05002,"confidence":0.3960633,"punctuated_word":"maybe","sentiment":"neutral","sentiment_score":0.031769976019859314},{"word":"we","start":479.05002,"end":479.21002,"confidence":0.9910868,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.061002761125564575},{"word":"just","start":479.21002,"end":479.45,"confidence":0.90218705,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.05480864271521568},{"word":"do","start":479.45,"end":479.61002,"confidence":0.6789877,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.032247044146060944},{"word":"the","start":479.61002,"end":479.77002,"confidence":0.9839161,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.08169318735599518},{"word":"two","start":479.77002,"end":480.01,"confidence":0.8909589,"punctuated_word":"two","sentiment":"neutral","sentiment_score":0.021911434829235077},{"word":"separate","start":480.01,"end":480.51,"confidence":0.9345704,"punctuated_word":"separate.","sentiment":"neutral","sentiment_score":0.059227537363767624},{"word":"yeah","start":482.425,"end":482.925,"confidence":0.9943193,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.2799961268901825},{"word":"and","start":485.38498,"end":485.54498,"confidence":0.89227384,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.08396794646978378},{"word":"and","start":485.54498,"end":486.04498,"confidence":0.9707238,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.04297350347042084},{"word":"just","start":487.145,"end":487.54498,"confidence":0.966496,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.0627087652683258},{"word":"to","start":487.54498,"end":488.04498,"confidence":0.99948764,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.03443324938416481},{"word":"inquire","start":489.625,"end":490.125,"confidence":0.9972126,"punctuated_word":"inquire","sentiment":"neutral","sentiment_score":0.04476726055145264},{"word":"how","start":490.585,"end":491.085,"confidence":0.6869511,"punctuated_word":"how","sentiment":"neutral","sentiment_score":0.02414857968688011},{"word":"the","start":491.38498,"end":491.54498,"confidence":0.7191854,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00417674332857132},{"word":"tax","start":491.54498,"end":491.865,"confidence":0.77577484,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.05513955652713776},{"word":"is","start":491.865,"end":492.10498,"confidence":0.9983747,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.02144690230488777},{"word":"applied","start":492.10498,"end":492.585,"confidence":0.9992804,"punctuated_word":"applied","sentiment":"neutral","sentiment_score":0.025895483791828156},{"word":"to","start":492.585,"end":492.745,"confidence":0.99872285,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.01845596730709076},{"word":"that","start":492.745,"end":492.985,"confidence":0.99677086,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.024713173508644104},{"word":"capital","start":492.985,"end":493.485,"confidence":0.9980558,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.03983315825462341},{"word":"gains","start":493.54498,"end":494.04498,"confidence":0.802728,"punctuated_word":"gains,","sentiment":"neutral","sentiment_score":0.04534286633133888},{"word":"you","start":497.81,"end":497.97,"confidence":0.30096307,"punctuated_word":"You","sentiment":"neutral","sentiment_score":0.008859476074576378},{"word":"gave","start":497.97,"end":498.21,"confidence":0.9693504,"punctuated_word":"gave","sentiment":"neutral","sentiment_score":0.007917068898677826},{"word":"me","start":498.21,"end":498.37,"confidence":0.9961125,"punctuated_word":"me","sentiment":"neutral","sentiment_score":0.032473016530275345},{"word":"the","start":498.37,"end":498.77002,"confidence":0.9872436,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014541182667016985},{"word":"the","start":498.77002,"end":498.85,"confidence":0.6461417,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007251452654600143},{"word":"figures","start":498.85,"end":499.35,"confidence":0.9435568,"punctuated_word":"figures.","sentiment":"neutral","sentiment_score":-0.00021779537200927737},{"word":"would","start":501.65,"end":501.81,"confidence":0.9733425,"punctuated_word":"Would","sentiment":"neutral","sentiment_score":-0.02645556628704071},{"word":"it","start":501.81,"end":501.97,"confidence":0.9986344,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.007985584437847137},{"word":"be","start":501.97,"end":502.13,"confidence":0.99923813,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.01937248557806015},{"word":"taxed","start":502.13,"end":502.53,"confidence":0.9779244,"punctuated_word":"taxed","sentiment":"neutral","sentiment_score":0.01743651181459427},{"word":"at","start":502.53,"end":502.77002,"confidence":0.9828752,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.03635835647583008},{"word":"47%","start":502.77002,"end":504.69,"confidence":0.9225559,"punctuated_word":"47%,","sentiment":"neutral","sentiment_score":-0.012527852319180964},{"word":"or","start":504.69,"end":504.93,"confidence":0.99969804,"punctuated_word":"or","sentiment":"neutral","sentiment_score":-0.03869778662919998},{"word":"is","start":504.93,"end":505.09,"confidence":0.95513904,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.04085945338010788},{"word":"it","start":505.09,"end":505.25,"confidence":0.97840357,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.029555629938840863},{"word":"taxed","start":505.25,"end":505.75,"confidence":0.9784515,"punctuated_word":"taxed","sentiment":"neutral","sentiment_score":0.0021677862387150526},{"word":"at","start":506.05002,"end":506.13,"confidence":0.93132645,"punctuated_word":"at","sentiment":"neutral","sentiment_score":-0.04088807851076126},{"word":"your","start":506.13,"end":506.29,"confidence":0.30101764,"punctuated_word":"your","sentiment":"neutral","sentiment_score":-0.036809347569942474},{"word":"normal","start":506.29,"end":506.79,"confidence":0.9766526,"punctuated_word":"normal","sentiment":"neutral","sentiment_score":-0.0047855377197265625},{"word":"tax","start":508.77002,"end":509.27002,"confidence":0.9148197,"punctuated_word":"tax?","sentiment":"neutral","sentiment_score":0.007179910317063332},{"word":"tax","start":514.145,"end":514.645,"confidence":0.9372673,"punctuated_word":"Tax","sentiment":"neutral","sentiment_score":0.2617659568786621},{"word":"rates","start":517.425,"end":517.925,"confidence":0.709162,"punctuated_word":"rates.","sentiment":"neutral","sentiment_score":0.07436894625425339},{"word":"yeah","start":522.065,"end":522.305,"confidence":0.8503188,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.0964377373456955},{"word":"yeah","start":522.305,"end":522.805,"confidence":0.94408333,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11209963262081146},{"word":"no","start":549.125,"end":549.525,"confidence":0.82436997,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.20656375586986545},{"word":"i","start":549.525,"end":549.685,"confidence":0.86722475,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1982266455888748},{"word":"i","start":549.685,"end":549.84503,"confidence":0.71572566,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.15957766771316528},{"word":"would","start":549.84503,"end":550.005,"confidence":0.9962572,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.10529634356498718},{"word":"think","start":550.005,"end":550.405,"confidence":0.9993364,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.18015769124031067},{"word":"that","start":550.405,"end":550.89,"confidence":0.9963989,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.1869032382965088},{"word":"it","start":552.25,"end":552.41003,"confidence":0.97532123,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.1760513186454773},{"word":"would","start":552.41003,"end":552.91003,"confidence":0.98689926,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.10408845543861388},{"word":"split","start":553.05,"end":553.55,"confidence":0.8458539,"punctuated_word":"split","sentiment":"neutral","sentiment_score":-0.055440351366996765},{"word":"fifty","start":553.61,"end":554.01,"confidence":0.9984799,"punctuated_word":"fifty","sentiment":"neutral","sentiment_score":-0.032027266919612885},{"word":"fifty","start":554.01,"end":554.51,"confidence":0.6756432,"punctuated_word":"fifty,","sentiment":"neutral","sentiment_score":-0.08537259697914124},{"word":"and","start":556.65,"end":556.89,"confidence":0.8027894,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.07679778337478638},{"word":"this","start":556.89,"end":557.39,"confidence":0.52456117,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.15324093401432037},{"word":"would","start":559.13,"end":559.37,"confidence":0.93988824,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.12260870635509492},{"word":"have","start":559.37,"end":559.61,"confidence":0.9987631,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.11234933137893675},{"word":"no","start":559.61,"end":559.85004,"confidence":0.98902726,"punctuated_word":"no","sentiment":"neutral","sentiment_score":-0.15632137656211853},{"word":"other","start":559.85004,"end":560.17004,"confidence":0.99986875,"punctuated_word":"other","sentiment":"neutral","sentiment_score":-0.25449007749557495},{"word":"income","start":560.17004,"end":560.67004,"confidence":0.9068651,"punctuated_word":"income.","sentiment":"neutral","sentiment_score":-0.19806179404258728},{"word":"so","start":562.17004,"end":562.25,"confidence":0.8141932,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.003667764365673065},{"word":"it's","start":562.25,"end":562.33,"confidence":0.5974096,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.027214519679546356},{"word":"18,018","start":562.33,"end":564.01,"confidence":0.80651665,"punctuated_word":"18,018","sentiment":"neutral","sentiment_score":0.0888938307762146},{"word":"thousand","start":564.01,"end":564.49,"confidence":0.99883264,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.05479864776134491},{"word":"200","start":564.49,"end":564.97003,"confidence":0.99782455,"punctuated_word":"200","sentiment":"neutral","sentiment_score":0.15915924310684204},{"word":"tax","start":564.97003,"end":565.45,"confidence":0.961753,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":0.14746329188346863},{"word":"free","start":565.45,"end":565.95,"confidence":0.96657443,"punctuated_word":"free.","sentiment":"neutral","sentiment_score":0.00844864547252655},{"word":"she","start":566.39496,"end":566.555,"confidence":0.9564968,"punctuated_word":"She","sentiment":"neutral","sentiment_score":-0.10911846160888672},{"word":"would","start":566.555,"end":566.71497,"confidence":0.9309128,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.03443436324596405},{"word":"only","start":566.71497,"end":567.115,"confidence":0.9887611,"punctuated_word":"only","sentiment":"neutral","sentiment_score":-0.022192060947418213},{"word":"pay","start":567.115,"end":567.615,"confidence":0.9721924,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.08157040178775787},{"word":"15%","start":568.71497,"end":569.515,"confidence":0.9977586,"punctuated_word":"15%","sentiment":"neutral","sentiment_score":0.14093787968158722},{"word":"on","start":569.515,"end":569.755,"confidence":0.97564906,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.08769255876541138},{"word":"a","start":569.755,"end":569.915,"confidence":0.90271646,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0530354380607605},{"word":"couple","start":569.915,"end":570.235,"confidence":0.9971572,"punctuated_word":"couple","sentiment":"neutral","sentiment_score":0.07133898138999939},{"word":"of","start":570.235,"end":570.315,"confidence":0.9503546,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.06170634925365448},{"word":"thousand","start":570.315,"end":570.71497,"confidence":0.98821837,"punctuated_word":"thousand","sentiment":"neutral","sentiment_score":0.0520956814289093},{"word":"dollars","start":570.71497,"end":571.115,"confidence":0.90705717,"punctuated_word":"dollars,","sentiment":"neutral","sentiment_score":0.014915604144334791},{"word":"wouldn't","start":571.115,"end":571.355,"confidence":0.9933326,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.03191734105348587},{"word":"she","start":571.355,"end":571.855,"confidence":0.9863118,"punctuated_word":"she?","sentiment":"neutral","sentiment_score":-0.0849943459033966},{"word":"right","start":595.295,"end":595.535,"confidence":0.79916036,"punctuated_word":"Right.","sentiment":"neutral","sentiment_score":0.03336918354034424},{"word":"so","start":595.535,"end":595.775,"confidence":0.9850365,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.046630702912807465},{"word":"she","start":595.775,"end":596.015,"confidence":0.9926801,"punctuated_word":"she","sentiment":"neutral","sentiment_score":-0.12293101102113724},{"word":"wouldn't","start":596.015,"end":596.415,"confidence":0.9969852,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.15254443883895874},{"word":"pay","start":596.415,"end":596.65497,"confidence":0.98304087,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.2858683168888092},{"word":"any","start":596.65497,"end":596.895,"confidence":0.9988416,"punctuated_word":"any","sentiment":"neutral","sentiment_score":-0.24290981888771057},{"word":"tax","start":596.895,"end":597.395,"confidence":0.7640319,"punctuated_word":"tax?","sentiment":"neutral","sentiment_score":-0.28302836418151855},{"word":"mhmm","start":602.175,"end":602.675,"confidence":0.8802966,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.2002429962158203},{"word":"no","start":604.65497,"end":605.15497,"confidence":0.8500453,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.32701385021209717},{"word":"no","start":607.615,"end":607.935,"confidence":0.91595507,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.4329764246940613},{"word":"nothing","start":607.935,"end":608.335,"confidence":0.98749346,"punctuated_word":"Nothing","sentiment":"negative","sentiment_score":-0.3532484173774719},{"word":"really","start":608.335,"end":608.835,"confidence":0.9280836,"punctuated_word":"really.","sentiment":"neutral","sentiment_score":-0.12985779345035553},{"word":"a","start":609.68,"end":609.76,"confidence":0.8301193,"punctuated_word":"A","sentiment":"neutral","sentiment_score":0.06374558806419373},{"word":"little","start":609.76,"end":609.83997,"confidence":0.97709614,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.05445080995559693},{"word":"bit","start":609.83997,"end":610.32,"confidence":0.99505025,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.07013386487960815},{"word":"a","start":610.32,"end":610.39996,"confidence":0.63856393,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.07000788301229477},{"word":"little","start":610.39996,"end":610.64,"confidence":0.99973065,"punctuated_word":"little","sentiment":"neutral","sentiment_score":0.0560491718351841},{"word":"bit","start":610.64,"end":610.8,"confidence":0.99984634,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":0.0709310919046402},{"word":"of","start":610.8,"end":611.3,"confidence":0.99749005,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.0506151020526886},{"word":"interest","start":611.83997,"end":612.33997,"confidence":0.99896324,"punctuated_word":"interest","sentiment":"neutral","sentiment_score":0.06563766300678253},{"word":"on","start":613.12,"end":613.27997,"confidence":0.9917333,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.05464490130543709},{"word":"a","start":613.27997,"end":613.39996,"confidence":0.92599356,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0513884611427784},{"word":"on","start":613.39996,"end":613.51996,"confidence":0.86076415,"punctuated_word":"on","sentiment":"neutral","sentiment_score":0.06010442227125168},{"word":"a","start":613.51996,"end":614.01996,"confidence":0.9855881,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.06120426207780838},{"word":"savings","start":614.07996,"end":614.57996,"confidence":0.91971517,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.05834842845797539},{"word":"account","start":614.72,"end":615.22,"confidence":0.920808,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":0.04008112847805023},{"word":"i","start":615.92,"end":616.07996,"confidence":0.82355505,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.01685814931988716},{"word":"mean","start":616.07996,"end":616.39996,"confidence":0.9959551,"punctuated_word":"mean","sentiment":"neutral","sentiment_score":-0.0159163661301136},{"word":"no","start":621.51996,"end":622.01996,"confidence":0.97651756,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.1719079315662384},{"word":"no","start":623.44,"end":623.94,"confidence":0.9644774,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.1836411654949188},{"word":"we","start":624.32,"end":624.48,"confidence":0.5336528,"punctuated_word":"We","sentiment":"neutral","sentiment_score":-0.08468014001846313},{"word":"just","start":624.48,"end":624.765,"confidence":0.98750114,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.10218574106693268},{"word":"we","start":624.84503,"end":624.925,"confidence":0.9337353,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.041453175246715546},{"word":"get","start":624.925,"end":625.425,"confidence":0.95302546,"punctuated_word":"get","sentiment":"neutral","sentiment_score":-0.0739031583070755},{"word":"4.8","start":628.205,"end":630.385,"confidence":0.9831996,"punctuated_word":"4.8,","sentiment":"neutral","sentiment_score":-0.031183449551463127},{"word":"i","start":630.60504,"end":630.765,"confidence":0.999634,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.042328909039497375},{"word":"think","start":630.765,"end":631.265,"confidence":0.8681576,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":-0.06082630902528763},{"word":"4.8%","start":632.685,"end":633.985,"confidence":0.9946555,"punctuated_word":"4.8%","sentiment":"neutral","sentiment_score":0.0039637889713048935},{"word":"if","start":634.28503,"end":634.525,"confidence":0.9497513,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.005448643118143082},{"word":"we","start":634.525,"end":635.025,"confidence":0.9998054,"punctuated_word":"we","sentiment":"neutral","sentiment_score":0.010570302605628967},{"word":"continue","start":636.125,"end":636.625,"confidence":0.993873,"punctuated_word":"continue","sentiment":"neutral","sentiment_score":-0.001789987087249756},{"word":"depositing","start":636.765,"end":637.265,"confidence":0.9891682,"punctuated_word":"depositing","sentiment":"neutral","sentiment_score":-0.02877750992774963},{"word":"money","start":637.325,"end":637.645,"confidence":0.99958116,"punctuated_word":"money","sentiment":"neutral","sentiment_score":0.008820340037345886},{"word":"into","start":637.645,"end":637.965,"confidence":0.9955586,"punctuated_word":"into","sentiment":"neutral","sentiment_score":-0.02009151130914688},{"word":"the","start":637.965,"end":638.125,"confidence":0.9993364,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.06985604763031006},{"word":"account","start":638.125,"end":638.625,"confidence":0.995196,"punctuated_word":"account.","sentiment":"neutral","sentiment_score":-0.009381897747516632},{"word":"no","start":656.945,"end":657.34503,"confidence":0.8235473,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.10160700976848602},{"word":"no","start":657.34503,"end":657.84503,"confidence":0.9962834,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.18582162261009216},{"word":"no","start":659.185,"end":659.685,"confidence":0.9935029,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.06361407041549683},{"word":"no","start":661.34503,"end":661.585,"confidence":0.9097091,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.04915599524974823},{"word":"so","start":661.585,"end":662.085,"confidence":0.8445406,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.02654220350086689},{"word":"and","start":662.86505,"end":663.025,"confidence":0.961968,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.0067140888422727585},{"word":"in","start":663.025,"end":663.265,"confidence":0.5131515,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.013224747031927109},{"word":"in","start":663.265,"end":663.505,"confidence":0.95359993,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.01435227319598198},{"word":"my","start":663.505,"end":663.74506,"confidence":0.9973009,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.00441456213593483},{"word":"case","start":663.74506,"end":664.24506,"confidence":0.9980316,"punctuated_word":"case,","sentiment":"neutral","sentiment_score":0.01669277250766754},{"word":"i","start":665.505,"end":665.66504,"confidence":0.9979103,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.000028580427169799805},{"word":"have","start":665.66504,"end":666.16504,"confidence":0.99903667,"punctuated_word":"have","sentiment":"neutral","sentiment_score":0.009112648665905},{"word":"a","start":667.54,"end":667.7,"confidence":0.6914596,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.009154961444437504},{"word":"dfidb","start":667.7,"end":668.2,"confidence":0.69630194,"punctuated_word":"DFIDB","sentiment":"neutral","sentiment_score":-0.0076040299609303474},{"word":"pension","start":668.58,"end":669.08,"confidence":0.9988186,"punctuated_word":"pension","sentiment":"neutral","sentiment_score":0.0034909769892692566},{"word":"from","start":669.14,"end":669.38,"confidence":0.99039173,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.0016337614506483078},{"word":"a","start":669.38,"end":669.54,"confidence":0.68681884,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.005024431273341179},{"word":"military","start":669.54,"end":670.02,"confidence":0.998958,"punctuated_word":"military","sentiment":"neutral","sentiment_score":-0.018553970381617543},{"word":"service","start":670.02,"end":670.52,"confidence":0.9997781,"punctuated_word":"service","sentiment":"neutral","sentiment_score":-0.01645456999540329},{"word":"that","start":672.18,"end":672.42,"confidence":0.90760285,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.0011252239346504211},{"word":"is","start":672.42,"end":672.74,"confidence":0.994191,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.02011505514383316},{"word":"taxed","start":672.74,"end":673.24,"confidence":0.9279963,"punctuated_word":"taxed.","sentiment":"neutral","sentiment_score":0.002328854985535145},{"word":"so","start":676.82,"end":677.06,"confidence":0.82923514,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.025926154106855392},{"word":"it","start":677.06,"end":677.22003,"confidence":0.98249936,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.00010003149509429932},{"word":"would","start":677.22003,"end":677.46,"confidence":0.9964277,"punctuated_word":"would","sentiment":"neutral","sentiment_score":0.00446334108710289},{"word":"be","start":677.46,"end":677.7,"confidence":0.99931216,"punctuated_word":"be","sentiment":"neutral","sentiment_score":0.01223980262875557},{"word":"added","start":677.7,"end":678.2,"confidence":0.9985353,"punctuated_word":"added","sentiment":"neutral","sentiment_score":0.0034119263291358948},{"word":"my","start":678.5,"end":678.98,"confidence":0.9860043,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.017241492867469788},{"word":"my","start":678.98,"end":679.46,"confidence":0.987765,"punctuated_word":"my","sentiment":"neutral","sentiment_score":0.01644226908683777},{"word":"portion","start":679.46,"end":679.94,"confidence":0.9966388,"punctuated_word":"portion","sentiment":"neutral","sentiment_score":0.022073209285736084},{"word":"of","start":679.94,"end":680.18,"confidence":0.9990237,"punctuated_word":"of","sentiment":"neutral","sentiment_score":0.021811209619045258},{"word":"the","start":680.18,"end":680.66003,"confidence":0.9936312,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.012821026146411896},{"word":"capital","start":680.66003,"end":681.14,"confidence":0.99398077,"punctuated_word":"capital","sentiment":"neutral","sentiment_score":-0.010266341269016266},{"word":"gains","start":681.14,"end":681.54,"confidence":0.99408036,"punctuated_word":"gains","sentiment":"neutral","sentiment_score":0.03481477499008179},{"word":"would","start":681.54,"end":681.7,"confidence":0.9919636,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.009027764201164246},{"word":"be","start":681.7,"end":681.86,"confidence":0.9993962,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.014781691133975984},{"word":"added","start":681.86,"end":682.18,"confidence":0.999579,"punctuated_word":"added","sentiment":"neutral","sentiment_score":-0.0049451664090156555},{"word":"to","start":682.18,"end":682.34,"confidence":0.99916565,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.033748503774404526},{"word":"my","start":682.34,"end":682.815,"confidence":0.9640163,"punctuated_word":"my","sentiment":"neutral","sentiment_score":-0.02618261426687241},{"word":"dfidb","start":683.855,"end":684.355,"confidence":0.6669363,"punctuated_word":"DFIDB.","sentiment":"neutral","sentiment_score":-0.04269442707300186},{"word":"so","start":686.255,"end":686.495,"confidence":0.8348694,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.10638897866010666},{"word":"i","start":686.495,"end":686.655,"confidence":0.9968972,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.1183168813586235},{"word":"would","start":686.655,"end":686.815,"confidence":0.9987418,"punctuated_word":"would","sentiment":"neutral","sentiment_score":-0.07714077830314636},{"word":"have","start":686.815,"end":687.315,"confidence":0.9991757,"punctuated_word":"have","sentiment":"neutral","sentiment_score":-0.1170957088470459},{"word":"a","start":688.975,"end":689.055,"confidence":0.9640961,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.12892770767211914},{"word":"bit","start":689.055,"end":689.375,"confidence":0.91433406,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.1704520285129547},{"word":"a","start":689.375,"end":689.535,"confidence":0.94658065,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.18634286522865295},{"word":"bit","start":689.535,"end":689.775,"confidence":0.99936455,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.20454981923103333},{"word":"of","start":689.775,"end":689.855,"confidence":0.99537235,"punctuated_word":"of","sentiment":"neutral","sentiment_score":-0.2257082313299179},{"word":"tax","start":689.855,"end":690.175,"confidence":0.97572255,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.10258141160011292},{"word":"to","start":690.175,"end":690.335,"confidence":0.9988519,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.2386135756969452},{"word":"pay","start":690.335,"end":690.575,"confidence":0.8341533,"punctuated_word":"pay,","sentiment":"neutral","sentiment_score":-0.19070850312709808},{"word":"not","start":690.575,"end":690.815,"confidence":0.9878743,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.2532159388065338},{"word":"not","start":690.815,"end":691.055,"confidence":0.9285206,"punctuated_word":"not","sentiment":"negative","sentiment_score":-0.43071508407592773},{"word":"a","start":691.055,"end":691.215,"confidence":0.98827285,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.2536879777908325},{"word":"great","start":691.215,"end":691.455,"confidence":0.9738559,"punctuated_word":"great","sentiment":"neutral","sentiment_score":-0.06760141253471375},{"word":"deal","start":691.455,"end":691.955,"confidence":0.7373501,"punctuated_word":"deal.","sentiment":"neutral","sentiment_score":-0.10393880307674408},{"word":"no","start":699.95,"end":700.11,"confidence":0.9233817,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2249816209077835},{"word":"no","start":700.11,"end":700.27,"confidence":0.98219717,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.21868681907653809},{"word":"i","start":700.27,"end":700.77,"confidence":0.983052,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.19862806797027588},{"word":"spent","start":700.91,"end":701.41,"confidence":0.5342501,"punctuated_word":"spent","sentiment":"neutral","sentiment_score":-0.12412337958812714},{"word":"25,000","start":701.70996,"end":702.85,"confidence":0.99889976,"punctuated_word":"25,000","sentiment":"neutral","sentiment_score":-0.1842985898256302},{"word":"a","start":703.07,"end":703.31,"confidence":0.9644548,"punctuated_word":"a","sentiment":"neutral","sentiment_score":-0.1435590386390686},{"word":"year","start":703.31,"end":703.81,"confidence":0.9990808,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.12746955454349518},{"word":"like","start":704.02997,"end":704.19,"confidence":0.50846845,"punctuated_word":"like","sentiment":"neutral","sentiment_score":-0.1940789520740509},{"word":"it","start":704.19,"end":704.69,"confidence":0.7586632,"punctuated_word":"it.","sentiment":"neutral","sentiment_score":-0.1382162868976593},{"word":"no","start":734.42,"end":734.74,"confidence":0.8087958,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2210462987422943},{"word":"no","start":734.74,"end":735.06,"confidence":0.98657775,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":-0.2548164129257202},{"word":"no","start":735.06,"end":735.38,"confidence":0.9755663,"punctuated_word":"No.","sentiment":"negative","sentiment_score":-0.3744121789932251},{"word":"we'll","start":735.38,"end":735.62,"confidence":0.6945813,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":-0.28624945878982544},{"word":"just","start":735.62,"end":735.86,"confidence":0.99569726,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.23304039239883423},{"word":"no","start":737.72504,"end":737.805,"confidence":0.9820359,"punctuated_word":"no.","sentiment":"neutral","sentiment_score":-0.30849575996398926},{"word":"we'll","start":737.805,"end":738.305,"confidence":0.962864,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":-0.26070111989974976},{"word":"just","start":741.645,"end":742.045,"confidence":0.99970907,"punctuated_word":"just","sentiment":"neutral","sentiment_score":-0.30826035141944885},{"word":"pay","start":742.045,"end":742.28503,"confidence":0.88028824,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.256115585565567},{"word":"the","start":742.28503,"end":742.445,"confidence":0.95018935,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.23524650931358335},{"word":"pay","start":742.445,"end":742.685,"confidence":0.98828274,"punctuated_word":"pay","sentiment":"neutral","sentiment_score":-0.2330075055360794},{"word":"the","start":742.685,"end":742.925,"confidence":0.9963676,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.22687900066375732},{"word":"tax","start":742.925,"end":743.405,"confidence":0.9387712,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.22839584946632385},{"word":"and","start":743.405,"end":743.485,"confidence":0.3227129,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.23601527512073517},{"word":"because","start":745.645,"end":746.145,"confidence":0.9915993,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.2237485498189926},{"word":"this","start":748.205,"end":748.445,"confidence":0.99292773,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.2790881395339966},{"word":"is","start":748.445,"end":748.60504,"confidence":0.9990839,"punctuated_word":"is","sentiment":"neutral","sentiment_score":-0.26487746834754944},{"word":"not","start":748.60504,"end":748.765,"confidence":0.99988055,"punctuated_word":"not","sentiment":"neutral","sentiment_score":-0.30670425295829773},{"word":"gonna","start":748.765,"end":749.085,"confidence":0.922106,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.2990090847015381},{"word":"happen","start":749.085,"end":749.405,"confidence":0.99906117,"punctuated_word":"happen","sentiment":"neutral","sentiment_score":-0.2991366386413574},{"word":"until","start":749.405,"end":749.905,"confidence":0.9942747,"punctuated_word":"until","sentiment":"negative","sentiment_score":-0.39690932631492615},{"word":"july","start":751.31,"end":752.11005,"confidence":0.9977502,"punctuated_word":"July","sentiment":"neutral","sentiment_score":-0.22322657704353333},{"word":"year","start":752.11005,"end":752.59,"confidence":0.78711885,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":-0.24459439516067505},{"word":"so","start":752.59,"end":752.91003,"confidence":0.99807894,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.20700465142726895},{"word":"we","start":752.91003,"end":752.99,"confidence":0.7898836,"punctuated_word":"we","sentiment":"neutral","sentiment_score":-0.1979791820049286},{"word":"won't","start":752.99,"end":753.31,"confidence":0.89563406,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.2391791045665741},{"word":"be","start":753.31,"end":753.81,"confidence":0.9378959,"punctuated_word":"be,","sentiment":"neutral","sentiment_score":-0.31616100668907166},{"word":"like","start":753.87,"end":754.27,"confidence":0.99852407,"punctuated_word":"like,","sentiment":"negative","sentiment_score":-0.34889310598373413},{"word":"taxed","start":754.27,"end":754.59,"confidence":0.9350813,"punctuated_word":"taxed","sentiment":"neutral","sentiment_score":-0.2801017761230469},{"word":"until","start":754.59,"end":755.09,"confidence":0.9982724,"punctuated_word":"until","sentiment":"negative","sentiment_score":-0.3904557228088379},{"word":"the","start":755.79004,"end":755.95,"confidence":0.9992632,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.3107070326805115},{"word":"following","start":755.95,"end":756.43,"confidence":0.99971694,"punctuated_word":"following","sentiment":"neutral","sentiment_score":-0.30003464221954346},{"word":"year","start":756.43,"end":756.93,"confidence":0.9868606,"punctuated_word":"year","sentiment":"neutral","sentiment_score":-0.2477596551179886},{"word":"anyway","start":757.07,"end":757.47003,"confidence":0.64244556,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":-0.2514590620994568},{"word":"so","start":757.47003,"end":757.71,"confidence":0.97936195,"punctuated_word":"So","sentiment":"neutral","sentiment_score":-0.12039146572351456},{"word":"it's","start":757.71,"end":758.03,"confidence":0.81097674,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.13824178278446198},{"word":"it's","start":758.03,"end":758.27,"confidence":0.8341341,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":-0.13088653981685638},{"word":"gonna","start":758.27,"end":758.59,"confidence":0.95821774,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.12002687156200408},{"word":"be","start":758.59,"end":758.67004,"confidence":0.9945798,"punctuated_word":"be","sentiment":"negative","sentiment_score":-0.34037092328071594},{"word":"a","start":758.67004,"end":758.75,"confidence":0.99319756,"punctuated_word":"a","sentiment":"negative","sentiment_score":-0.4060602188110352},{"word":"long","start":758.75,"end":758.99,"confidence":0.99974555,"punctuated_word":"long","sentiment":"negative","sentiment_score":-0.4194772839546203},{"word":"way","start":758.99,"end":759.23004,"confidence":0.99472886,"punctuated_word":"way","sentiment":"negative","sentiment_score":-0.4205272793769837},{"word":"off","start":759.23004,"end":759.73004,"confidence":0.97610235,"punctuated_word":"off.","sentiment":"neutral","sentiment_score":-0.29338330030441284},{"word":"one","start":760.91003,"end":761.15,"confidence":0.74153996,"punctuated_word":"One","sentiment":"neutral","sentiment_score":-0.05723171681165695},{"word":"question","start":761.15,"end":761.63,"confidence":0.99969745,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.06879320740699768},{"word":"i","start":761.63,"end":761.79004,"confidence":0.7983328,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.05194299668073654},{"word":"did","start":761.79004,"end":762.29004,"confidence":0.9951003,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.052751325070858},{"word":"one","start":762.67004,"end":762.91003,"confidence":0.79644877,"punctuated_word":"one","sentiment":"neutral","sentiment_score":-0.04864244908094406},{"word":"question","start":762.91003,"end":763.39,"confidence":0.99926025,"punctuated_word":"question","sentiment":"neutral","sentiment_score":-0.017340146005153656},{"word":"i","start":763.39,"end":763.55005,"confidence":0.98948646,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.011619847267866136},{"word":"did","start":763.55005,"end":763.79004,"confidence":0.9970456,"punctuated_word":"did","sentiment":"neutral","sentiment_score":0.012131467461586},{"word":"have","start":763.79004,"end":764.145,"confidence":0.870069,"punctuated_word":"have.","sentiment":"neutral","sentiment_score":-0.02551361732184887},{"word":"now","start":765.825,"end":765.98505,"confidence":0.99674475,"punctuated_word":"Now","sentiment":"neutral","sentiment_score":-0.0838039368391037},{"word":"that","start":765.98505,"end":766.22504,"confidence":0.88686955,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.11355995386838912},{"word":"tax","start":766.22504,"end":766.54504,"confidence":0.7205945,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.06077990680932999},{"word":"office","start":766.54504,"end":766.865,"confidence":0.9806137,"punctuated_word":"office","sentiment":"neutral","sentiment_score":-0.07950419932603836},{"word":"has","start":766.865,"end":767.365,"confidence":0.9996245,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.1251561939716339},{"word":"secured","start":770.065,"end":770.54504,"confidence":0.9726121,"punctuated_word":"secured","sentiment":"neutral","sentiment_score":-0.0936989039182663},{"word":"this","start":770.54504,"end":770.78503,"confidence":0.99888486,"punctuated_word":"this","sentiment":"neutral","sentiment_score":-0.10246741026639938},{"word":"money","start":770.78503,"end":771.28503,"confidence":0.9998264,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.06073090434074402},{"word":"and","start":773.505,"end":773.825,"confidence":0.7841561,"punctuated_word":"and","sentiment":"neutral","sentiment_score":-0.09504243731498718},{"word":"they'll","start":773.825,"end":774.22504,"confidence":0.8204917,"punctuated_word":"they'll","sentiment":"neutral","sentiment_score":-0.12590719759464264},{"word":"take","start":774.22504,"end":774.465,"confidence":0.9990344,"punctuated_word":"take","sentiment":"neutral","sentiment_score":-0.15984266996383667},{"word":"the","start":774.465,"end":774.705,"confidence":0.99236554,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.16993671655654907},{"word":"tax","start":774.705,"end":775.205,"confidence":0.996962,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.11050571501255035},{"word":"that","start":776.385,"end":776.54504,"confidence":0.7758101,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.162904292345047},{"word":"they","start":776.54504,"end":776.865,"confidence":0.9947125,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.15270742774009705},{"word":"that","start":776.865,"end":777.10504,"confidence":0.95601565,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.16152752935886383},{"word":"they","start":777.10504,"end":777.60504,"confidence":0.9861859,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.18590514361858368},{"word":"they","start":784.15,"end":784.39,"confidence":0.85125285,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.0645873099565506},{"word":"calculated","start":784.39,"end":784.89,"confidence":0.76966995,"punctuated_word":"calculated.","sentiment":"neutral","sentiment_score":-0.05624627694487572},{"word":"yeah","start":785.11,"end":785.35,"confidence":0.9932962,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.01976795122027397},{"word":"but","start":785.35,"end":785.51,"confidence":0.9939413,"punctuated_word":"But","sentiment":"neutral","sentiment_score":-0.017758456990122795},{"word":"that","start":785.51,"end":785.67,"confidence":0.99580765,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.045052420347929},{"word":"was","start":785.67,"end":785.91,"confidence":0.9795576,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.042999424040317535},{"word":"their","start":785.99,"end":786.31,"confidence":0.9923459,"punctuated_word":"their","sentiment":"neutral","sentiment_score":-0.06737994402647018},{"word":"calculation","start":786.31,"end":786.81,"confidence":0.7413837,"punctuated_word":"calculation","sentiment":"neutral","sentiment_score":-0.05598985776305199},{"word":"was","start":786.95,"end":787.19,"confidence":0.9121531,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.04570979252457619},{"word":"based","start":787.19,"end":787.43,"confidence":0.99941397,"punctuated_word":"based","sentiment":"neutral","sentiment_score":-0.03789365291595459},{"word":"on","start":787.43,"end":787.75,"confidence":0.99955803,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.019192826002836227},{"word":"figures","start":787.75,"end":788.23,"confidence":0.8400567,"punctuated_word":"figures","sentiment":"neutral","sentiment_score":-0.019085226580500603},{"word":"that","start":788.23,"end":788.47,"confidence":0.9993469,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.008378030732274055},{"word":"they","start":788.47,"end":788.63,"confidence":0.99636817,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.011454129591584206},{"word":"got","start":788.63,"end":789.13,"confidence":0.99873835,"punctuated_word":"got","sentiment":"neutral","sentiment_score":-0.012033674865961077},{"word":"in","start":790.79,"end":791.29,"confidence":0.945236,"punctuated_word":"in,","sentiment":"neutral","sentiment_score":-0.01946556568145752},{"word":"i","start":791.89496,"end":791.975,"confidence":0.99925655,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.02731352671980858},{"word":"think","start":791.975,"end":792.13495,"confidence":0.999908,"punctuated_word":"think","sentiment":"neutral","sentiment_score":-0.017775539308786392},{"word":"it","start":792.13495,"end":792.375,"confidence":0.83997846,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.014759493060410024},{"word":"was","start":792.375,"end":792.875,"confidence":0.9997472,"punctuated_word":"was","sentiment":"neutral","sentiment_score":-0.020727651193737984},{"word":"november","start":793.01495,"end":794.385,"confidence":0.92080575,"punctuated_word":"November","sentiment":"neutral","sentiment_score":-0.0069604795426130295},{"word":"25","start":794.385,"end":795.755,"confidence":0.92080575,"punctuated_word":"25.","sentiment":"neutral","sentiment_score":-0.014881997369229794},{"word":"you","start":802.21497,"end":802.295,"confidence":0.5256518,"punctuated_word":"You","sentiment":"neutral","sentiment_score":-0.04081365838646889},{"word":"know","start":802.295,"end":802.795,"confidence":0.9460367,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":-0.028630569577217106},{"word":"from","start":803.095,"end":803.595,"confidence":0.9910618,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.02452987805008888},{"word":"from","start":803.975,"end":804.21497,"confidence":0.9588882,"punctuated_word":"from","sentiment":"neutral","sentiment_score":-0.014310277998447418},{"word":"that","start":804.21497,"end":804.535,"confidence":0.99947363,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.012137968093156816},{"word":"date","start":804.535,"end":805.035,"confidence":0.94163615,"punctuated_word":"date","sentiment":"neutral","sentiment_score":-0.008672993630170822},{"word":"to","start":805.095,"end":805.595,"confidence":0.4984753,"punctuated_word":"to","sentiment":"neutral","sentiment_score":-0.02481447160243988},{"word":"now","start":805.735,"end":806.235,"confidence":0.9432267,"punctuated_word":"now,","sentiment":"neutral","sentiment_score":-0.024447191506624225},{"word":"basically","start":806.58,"end":806.66003,"confidence":0.9130101,"punctuated_word":"basically,","sentiment":"neutral","sentiment_score":-0.03487539291381836},{"word":"another","start":806.66003,"end":807.16003,"confidence":0.72960013,"punctuated_word":"another","sentiment":"neutral","sentiment_score":-0.05530230328440666},{"word":"year","start":807.7,"end":808.2,"confidence":0.92573184,"punctuated_word":"year,","sentiment":"neutral","sentiment_score":-0.03576289117336273},{"word":"that","start":810.58,"end":810.98004,"confidence":0.9974383,"punctuated_word":"that","sentiment":"neutral","sentiment_score":-0.0787951871752739},{"word":"extra","start":810.98004,"end":811.46,"confidence":0.99978477,"punctuated_word":"extra","sentiment":"neutral","sentiment_score":-0.099832221865654},{"word":"money","start":811.46,"end":811.86005,"confidence":0.99983406,"punctuated_word":"money","sentiment":"neutral","sentiment_score":-0.10006780922412872},{"word":"in","start":811.86005,"end":812.10004,"confidence":0.9998072,"punctuated_word":"in","sentiment":"neutral","sentiment_score":-0.10325252264738084},{"word":"the","start":812.10004,"end":812.26,"confidence":0.9998272,"punctuated_word":"the","sentiment":"neutral","sentiment_score":-0.09182389080524445},{"word":"account","start":812.26,"end":812.74005,"confidence":0.9999223,"punctuated_word":"account","sentiment":"neutral","sentiment_score":-0.09772956371307372},{"word":"has","start":812.74005,"end":813.06,"confidence":0.99925154,"punctuated_word":"has","sentiment":"neutral","sentiment_score":-0.08846572786569595},{"word":"accumulated","start":813.06,"end":813.56,"confidence":0.9999275,"punctuated_word":"accumulated","sentiment":"neutral","sentiment_score":-0.07439783215522766},{"word":"some","start":813.86005,"end":814.36005,"confidence":0.9943001,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.1013590544462204},{"word":"interest","start":814.82,"end":815.32,"confidence":0.9443956,"punctuated_word":"interest.","sentiment":"neutral","sentiment_score":-0.09165331721305849},{"word":"are","start":816.82,"end":817.06,"confidence":0.9294703,"punctuated_word":"Are","sentiment":"neutral","sentiment_score":-0.06907115876674652},{"word":"they","start":817.06,"end":817.22003,"confidence":0.9994392,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.07470515370368958},{"word":"gonna","start":817.22003,"end":817.46,"confidence":0.9478551,"punctuated_word":"gonna","sentiment":"neutral","sentiment_score":-0.08203763514757156},{"word":"come","start":817.46,"end":817.96,"confidence":0.9975865,"punctuated_word":"come","sentiment":"neutral","sentiment_score":-0.06708239763975143},{"word":"after","start":818.18005,"end":818.42004,"confidence":0.96687406,"punctuated_word":"after","sentiment":"neutral","sentiment_score":-0.0745391845703125},{"word":"more","start":818.42004,"end":818.92004,"confidence":0.99930704,"punctuated_word":"more","sentiment":"neutral","sentiment_score":-0.0856456533074379},{"word":"tax","start":819.255,"end":819.495,"confidence":0.80767953,"punctuated_word":"tax","sentiment":"neutral","sentiment_score":-0.07703294605016708},{"word":"on","start":819.495,"end":819.995,"confidence":0.9993309,"punctuated_word":"on","sentiment":"neutral","sentiment_score":-0.06428681313991547},{"word":"that","start":823.255,"end":823.755,"confidence":0.9960418,"punctuated_word":"that?","sentiment":"neutral","sentiment_score":-0.0786585584282875},{"word":"mhmm","start":871.895,"end":872.395,"confidence":0.838797,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.039395712316036224},{"word":"well","start":880.85504,"end":881.35504,"confidence":0.6486247,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":-0.11190378665924072},{"word":"it","start":884.215,"end":884.61505,"confidence":0.9594674,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.09226647019386292},{"word":"it","start":884.61505,"end":884.775,"confidence":0.95174897,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.10035765916109084},{"word":"wouldn't","start":884.775,"end":885.255,"confidence":0.9969826,"punctuated_word":"wouldn't","sentiment":"neutral","sentiment_score":-0.1444443315267563},{"word":"surprise","start":885.255,"end":885.73505,"confidence":0.99430853,"punctuated_word":"surprise","sentiment":"neutral","sentiment_score":-0.18197570741176605},{"word":"me","start":885.73505,"end":885.895,"confidence":0.99923754,"punctuated_word":"me","sentiment":"neutral","sentiment_score":-0.16330701112747192},{"word":"if","start":885.895,"end":886.135,"confidence":0.99921906,"punctuated_word":"if","sentiment":"neutral","sentiment_score":-0.16552820801734924},{"word":"they","start":886.135,"end":886.29504,"confidence":0.98914146,"punctuated_word":"they","sentiment":"neutral","sentiment_score":-0.15033644437789917},{"word":"did","start":886.29504,"end":886.53503,"confidence":0.99437743,"punctuated_word":"did","sentiment":"neutral","sentiment_score":-0.17026886343955994},{"word":"because","start":886.53503,"end":887.03503,"confidence":0.8333557,"punctuated_word":"because","sentiment":"neutral","sentiment_score":-0.07779368758201599},{"word":"anyway","start":890.83,"end":891.33,"confidence":0.5957477,"punctuated_word":"anyway.","sentiment":"neutral","sentiment_score":-0.02373679354786873},{"word":"yeah","start":893.95,"end":894.27,"confidence":0.9878025,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.004394758492708206},{"word":"yeah","start":894.27,"end":894.51,"confidence":0.766011,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.011870250105857847},{"word":"so","start":894.51,"end":894.75,"confidence":0.99135077,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.02313675731420517},{"word":"anyway","start":894.75,"end":895.15,"confidence":0.76569,"punctuated_word":"anyway,","sentiment":"neutral","sentiment_score":0.05881286412477493},{"word":"that's","start":895.15,"end":895.55,"confidence":0.9987395,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.0772848129272461},{"word":"i","start":895.87,"end":896.02997,"confidence":0.99883574,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.10174105316400528},{"word":"think","start":896.02997,"end":896.27,"confidence":0.9994697,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.1419713795185089},{"word":"that's","start":896.27,"end":896.59,"confidence":0.9899198,"punctuated_word":"that's","sentiment":"neutral","sentiment_score":0.14690890908241272},{"word":"probably","start":896.59,"end":897.09,"confidence":0.99689674,"punctuated_word":"probably","sentiment":"neutral","sentiment_score":0.22804629802703855},{"word":"the","start":897.55,"end":897.71,"confidence":0.9984604,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.12896254658699036},{"word":"best","start":897.71,"end":898.02997,"confidence":0.99986136,"punctuated_word":"best","sentiment":"neutral","sentiment_score":0.1651468575000763},{"word":"way","start":898.02997,"end":898.19,"confidence":0.99821955,"punctuated_word":"way","sentiment":"neutral","sentiment_score":0.1653262972831726},{"word":"for","start":898.19,"end":898.35,"confidence":0.9965264,"punctuated_word":"for","sentiment":"neutral","sentiment_score":0.17634141445159912},{"word":"us","start":898.35,"end":898.59,"confidence":0.9993753,"punctuated_word":"us","sentiment":"neutral","sentiment_score":0.18229785561561584},{"word":"to","start":898.59,"end":898.75,"confidence":0.9989699,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.18370740115642548},{"word":"to","start":898.75,"end":899.25,"confidence":0.99193716,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.1720561534166336},{"word":"to","start":900.02997,"end":900.27,"confidence":0.9185956,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.146309494972229},{"word":"do","start":900.27,"end":900.43,"confidence":0.96973217,"punctuated_word":"do","sentiment":"neutral","sentiment_score":0.14317166805267334},{"word":"it","start":900.43,"end":900.59,"confidence":0.66404647,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.20269525051116943},{"word":"with","start":900.59,"end":900.915,"confidence":0.73526776,"punctuated_word":"with,","sentiment":"neutral","sentiment_score":0.1324392557144165},{"word":"like","start":901.475,"end":901.795,"confidence":0.98686814,"punctuated_word":"like","sentiment":"neutral","sentiment_score":0.10851024091243744},{"word":"i","start":901.795,"end":901.875,"confidence":0.8609964,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.07032094150781631},{"word":"say","start":901.875,"end":902.115,"confidence":0.9004091,"punctuated_word":"say,","sentiment":"neutral","sentiment_score":0.08358373492956161},{"word":"take","start":902.115,"end":902.435,"confidence":0.9974408,"punctuated_word":"take","sentiment":"neutral","sentiment_score":0.13882818818092346},{"word":"the","start":902.435,"end":902.595,"confidence":0.9750997,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.14679555594921112},{"word":"300,000","start":902.595,"end":905.235,"confidence":0.99777,"punctuated_word":"300,000","sentiment":"neutral","sentiment_score":0.14334453642368317},{"word":"from","start":905.235,"end":905.475,"confidence":0.99111396,"punctuated_word":"from","sentiment":"neutral","sentiment_score":0.1509646475315094},{"word":"that","start":905.475,"end":905.71497,"confidence":0.997818,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.1386878788471222},{"word":"investment","start":905.71497,"end":906.21497,"confidence":0.9993025,"punctuated_word":"investment","sentiment":"neutral","sentiment_score":0.04846911132335663},{"word":"account","start":906.355,"end":906.855,"confidence":0.8858509,"punctuated_word":"account,","sentiment":"neutral","sentiment_score":0.10374298691749571},{"word":"roll","start":907.71497,"end":907.95496,"confidence":0.90321,"punctuated_word":"roll","sentiment":"neutral","sentiment_score":0.1010490506887436},{"word":"that","start":907.95496,"end":908.115,"confidence":0.51909626,"punctuated_word":"that","sentiment":"neutral","sentiment_score":0.15543606877326965},{"word":"over","start":908.115,"end":908.355,"confidence":0.97064745,"punctuated_word":"over","sentiment":"neutral","sentiment_score":0.09839186817407608},{"word":"in","start":908.355,"end":908.51495,"confidence":0.5883613,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.11479824036359788},{"word":"the","start":908.51495,"end":908.675,"confidence":0.95400435,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.1297529935836792},{"word":"mercer","start":908.675,"end":909.15497,"confidence":0.3613881,"punctuated_word":"Mercer","sentiment":"neutral","sentiment_score":0.07906196266412735},{"word":"super","start":909.15497,"end":909.65497,"confidence":0.45323136,"punctuated_word":"Super","sentiment":"neutral","sentiment_score":0.08692321181297302},{"word":"in","start":911.235,"end":911.71497,"confidence":0.9197425,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.029537394642829895},{"word":"july","start":911.71497,"end":912.115,"confidence":0.98404825,"punctuated_word":"July","sentiment":"neutral","sentiment_score":0.0399911068379879},{"word":"in","start":912.115,"end":912.615,"confidence":0.43858498,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.04325069859623909},{"word":"july","start":913.07495,"end":913.57495,"confidence":0.5006026,"punctuated_word":"July.","sentiment":"neutral","sentiment_score":0.0860646665096283},{"word":"and","start":916.36,"end":916.76,"confidence":0.9972299,"punctuated_word":"And","sentiment":"neutral","sentiment_score":0.09871133416891098},{"word":"we'll","start":916.76,"end":917.08,"confidence":0.9989266,"punctuated_word":"we'll","sentiment":"neutral","sentiment_score":0.13316570222377777},{"word":"keep","start":917.08,"end":917.58,"confidence":0.99517715,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.18004882335662842},{"word":"whatever","start":917.88,"end":918.28,"confidence":0.9378236,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.2161670029163361},{"word":"we've","start":918.28,"end":918.6,"confidence":0.91219354,"punctuated_word":"we've","sentiment":"neutral","sentiment_score":0.16756388545036316},{"word":"whatever","start":918.68,"end":919.18,"confidence":0.9643212,"punctuated_word":"whatever","sentiment":"neutral","sentiment_score":0.2009548246860504},{"word":"is","start":919.88,"end":920.12,"confidence":0.41702422,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.2072516232728958},{"word":"left","start":920.12,"end":920.44,"confidence":0.66437685,"punctuated_word":"left","sentiment":"neutral","sentiment_score":0.21891051530838013},{"word":"over","start":920.44,"end":920.84,"confidence":0.47558373,"punctuated_word":"over.","sentiment":"neutral","sentiment_score":0.13637372851371765},{"word":"we'll","start":920.84,"end":920.92,"confidence":0.80868685,"punctuated_word":"We'll","sentiment":"neutral","sentiment_score":0.15703198313713074},{"word":"just","start":920.92,"end":921.16,"confidence":0.9914342,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.1628989279270172},{"word":"keep","start":921.16,"end":921.32,"confidence":0.9719215,"punctuated_word":"keep","sentiment":"neutral","sentiment_score":0.2096729576587677},{"word":"in","start":921.32,"end":921.56,"confidence":0.59385335,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.20461516082286835},{"word":"savings","start":921.56,"end":922.06,"confidence":0.8271626,"punctuated_word":"savings","sentiment":"neutral","sentiment_score":0.22137343883514404},{"word":"until","start":922.2,"end":922.7,"confidence":0.9858714,"punctuated_word":"until","sentiment":"neutral","sentiment_score":0.198018878698349},{"word":"the","start":923.4,"end":923.56,"confidence":0.99354136,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.16325417160987854},{"word":"following","start":923.56,"end":924.04,"confidence":0.99889,"punctuated_word":"following","sentiment":"neutral","sentiment_score":0.08647983521223068},{"word":"july","start":924.04,"end":924.54,"confidence":0.9992143,"punctuated_word":"July","sentiment":"neutral","sentiment_score":0.1666927933692932},{"word":"and","start":925.32,"end":925.56,"confidence":0.72770184,"punctuated_word":"and","sentiment":"neutral","sentiment_score":0.1855854094028473},{"word":"put","start":925.56,"end":925.72,"confidence":0.9911698,"punctuated_word":"put","sentiment":"neutral","sentiment_score":0.20943965017795563},{"word":"it","start":925.72,"end":925.88,"confidence":0.9977016,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.22835180163383484},{"word":"into","start":925.88,"end":926.2,"confidence":0.9383314,"punctuated_word":"into","sentiment":"neutral","sentiment_score":0.18830277025699615},{"word":"mine","start":926.2,"end":926.7,"confidence":0.9773673,"punctuated_word":"mine.","sentiment":"neutral","sentiment_score":0.2117844671010971},{"word":"it","start":929.32,"end":929.56,"confidence":0.9633606,"punctuated_word":"It","sentiment":"positive","sentiment_score":0.3359413743019104},{"word":"should","start":929.56,"end":929.72,"confidence":0.98765767,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.4740616977214813},{"word":"be","start":929.72,"end":930.22,"confidence":0.99398273,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.5779402256011963},{"word":"it","start":931.185,"end":931.26495,"confidence":0.6077208,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.29916197061538696},{"word":"should","start":931.26495,"end":931.505,"confidence":0.99664235,"punctuated_word":"should","sentiment":"positive","sentiment_score":0.446698933839798},{"word":"be","start":931.505,"end":931.58496,"confidence":0.9883869,"punctuated_word":"be","sentiment":"positive","sentiment_score":0.3403064012527466},{"word":"coming","start":931.58496,"end":931.90497,"confidence":0.9930259,"punctuated_word":"coming","sentiment":"neutral","sentiment_score":0.30007120966911316},{"word":"close","start":931.90497,"end":932.225,"confidence":0.9929448,"punctuated_word":"close","sentiment":"neutral","sentiment_score":0.2207619994878769},{"word":"to","start":932.225,"end":932.46497,"confidence":0.9994236,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.24374209344387057},{"word":"the","start":932.46497,"end":932.545,"confidence":0.81071836,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.23333479464054108},{"word":"300","start":932.545,"end":933.105,"confidence":0.99939066,"punctuated_word":"300","sentiment":"neutral","sentiment_score":0.24609801173210144},{"word":"another","start":933.185,"end":933.505,"confidence":0.9766018,"punctuated_word":"another","sentiment":"neutral","sentiment_score":0.2991727590560913},{"word":"300,000","start":933.505,"end":934.565,"confidence":0.98034984,"punctuated_word":"300,000.","sentiment":"neutral","sentiment_score":0.2650925815105438},{"word":"mhmm","start":946.95996,"end":947.45996,"confidence":0.9252376,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":-0.03727291524410248},{"word":"well","start":991.495,"end":991.995,"confidence":0.9845079,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.01691162772476673},{"word":"the","start":993.575,"end":994.075,"confidence":0.99206454,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.00955801084637642},{"word":"the","start":995.655,"end":995.815,"confidence":0.88876474,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.010288450866937636},{"word":"contribution","start":995.815,"end":996.315,"confidence":0.996591,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.05074024945497513},{"word":"versus","start":996.935,"end":997.41504,"confidence":0.12633756,"punctuated_word":"versus","sentiment":"neutral","sentiment_score":0.009593535214662552},{"word":"contribution","start":997.41504,"end":997.91504,"confidence":0.991595,"punctuated_word":"contribution","sentiment":"neutral","sentiment_score":0.004128571599721909},{"word":"won't","start":998.215,"end":998.53503,"confidence":0.76536024,"punctuated_word":"won't","sentiment":"neutral","sentiment_score":-0.02088182233273983},{"word":"be","start":998.53503,"end":998.775,"confidence":0.9997969,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.037772879004478455},{"word":"eligible","start":998.775,"end":999.275,"confidence":0.99971575,"punctuated_word":"eligible","sentiment":"neutral","sentiment_score":0.003981210291385651},{"word":"until","start":999.41504,"end":999.91504,"confidence":0.9995396,"punctuated_word":"until","sentiment":"neutral","sentiment_score":-0.06763286888599396},{"word":"july","start":1000.83997,"end":1001.33997,"confidence":0.93227696,"punctuated_word":"July.","sentiment":"neutral","sentiment_score":-0.014038313180208206},{"word":"like","start":1004.6,"end":1005.1,"confidence":0.67134786,"punctuated_word":"Like,","sentiment":"neutral","sentiment_score":0.007205601781606674},{"word":"her","start":1006.04,"end":1006.36,"confidence":0.35248008,"punctuated_word":"her","sentiment":"neutral","sentiment_score":0.014365743845701218},{"word":"three","start":1006.36,"end":1006.6,"confidence":0.9957475,"punctuated_word":"three","sentiment":"neutral","sentiment_score":0.02412009797990322},{"word":"year","start":1006.6,"end":1007.1,"confidence":0.94599,"punctuated_word":"year","sentiment":"neutral","sentiment_score":0.0253673754632473},{"word":"is","start":1007.32,"end":1007.82,"confidence":0.64955425,"punctuated_word":"is","sentiment":"neutral","sentiment_score":0.021244985982775688},{"word":"comes","start":1008.2,"end":1008.7,"confidence":0.6617897,"punctuated_word":"comes","sentiment":"neutral","sentiment_score":0.024224765598773956},{"word":"up","start":1009.24,"end":1009.48,"confidence":0.7567975,"punctuated_word":"up","sentiment":"neutral","sentiment_score":0.020939014852046967},{"word":"in","start":1009.48,"end":1009.8,"confidence":0.9930627,"punctuated_word":"in","sentiment":"neutral","sentiment_score":0.02163674868643284},{"word":"july","start":1009.8,"end":1010.3,"confidence":0.9998443,"punctuated_word":"July","sentiment":"neutral","sentiment_score":0.02698252536356449},{"word":"or","start":1011.0,"end":1011.16,"confidence":0.31797713,"punctuated_word":"or","sentiment":"neutral","sentiment_score":0.02274426445364952},{"word":"at","start":1011.16,"end":1011.24,"confidence":0.7028819,"punctuated_word":"at","sentiment":"neutral","sentiment_score":0.0032599885016679764},{"word":"the","start":1011.24,"end":1011.39996,"confidence":0.9984909,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.007540447637438774},{"word":"june","start":1011.39996,"end":1012.22,"confidence":0.9992011,"punctuated_word":"June","sentiment":"neutral","sentiment_score":0.0093085914850235},{"word":"this","start":1013.16,"end":1013.39996,"confidence":0.64761364,"punctuated_word":"this","sentiment":"neutral","sentiment_score":0.016344353556632996},{"word":"year","start":1013.39996,"end":1013.89996,"confidence":0.9736493,"punctuated_word":"year.","sentiment":"neutral","sentiment_score":0.010490577667951584},{"word":"so","start":1015.875,"end":1016.375,"confidence":0.9096822,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.01722525805234909},{"word":"yep","start":1031.52,"end":1032.02,"confidence":0.95948213,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":-0.08080316334962845},{"word":"yeah","start":1058.94,"end":1059.44,"confidence":0.9595861,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":-0.03544002026319504},{"word":"i'll","start":1079.4349,"end":1079.595,"confidence":0.67316735,"punctuated_word":"I'll","sentiment":"neutral","sentiment_score":-0.020743630826473236},{"word":"be","start":1079.595,"end":1079.755,"confidence":0.9969452,"punctuated_word":"be","sentiment":"neutral","sentiment_score":-0.01851702481508255},{"word":"inclined","start":1079.755,"end":1080.235,"confidence":0.99670523,"punctuated_word":"inclined","sentiment":"neutral","sentiment_score":-0.02151445299386978},{"word":"to","start":1080.235,"end":1080.5549,"confidence":0.99696356,"punctuated_word":"to","sentiment":"neutral","sentiment_score":0.005825623869895935},{"word":"leave","start":1080.5549,"end":1080.795,"confidence":0.9205437,"punctuated_word":"leave","sentiment":"neutral","sentiment_score":-0.01579350233078003},{"word":"it","start":1080.795,"end":1080.875,"confidence":0.8700766,"punctuated_word":"it","sentiment":"neutral","sentiment_score":-0.023210063576698303},{"word":"grow","start":1080.875,"end":1081.195,"confidence":0.75964504,"punctuated_word":"grow.","sentiment":"neutral","sentiment_score":0.0017730072140693665},{"word":"i","start":1081.195,"end":1081.275,"confidence":0.99951684,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.04207029938697815},{"word":"think","start":1081.275,"end":1081.595,"confidence":0.9992236,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.06471168994903564},{"word":"i","start":1081.595,"end":1081.675,"confidence":0.9632544,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.036022722721099854},{"word":"think","start":1081.675,"end":1081.995,"confidence":0.99985397,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.04654216766357422},{"word":"the","start":1081.995,"end":1082.155,"confidence":0.99496055,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.018676340579986572},{"word":"market","start":1082.155,"end":1082.635,"confidence":0.9991691,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.04456508159637451},{"word":"will","start":1082.635,"end":1083.09,"confidence":0.9992311,"punctuated_word":"will","sentiment":"neutral","sentiment_score":0.02865561842918396},{"word":"recover","start":1083.4099,"end":1083.9099,"confidence":0.99967027,"punctuated_word":"recover","sentiment":"neutral","sentiment_score":-0.05786679685115814},{"word":"a","start":1085.4099,"end":1085.57,"confidence":0.98831534,"punctuated_word":"a","sentiment":"neutral","sentiment_score":0.0018528029322624209},{"word":"bit","start":1085.57,"end":1086.07,"confidence":0.9985261,"punctuated_word":"bit","sentiment":"neutral","sentiment_score":-0.02030441164970398},{"word":"yet","start":1087.49,"end":1087.8099,"confidence":0.9603147,"punctuated_word":"yet","sentiment":"neutral","sentiment_score":-0.06734195351600647},{"word":"once","start":1087.8099,"end":1088.3099,"confidence":0.8450614,"punctuated_word":"once","sentiment":"neutral","sentiment_score":-0.14448346197605133},{"word":"bloody","start":1088.69,"end":1089.19,"confidence":0.19946256,"punctuated_word":"bloody","sentiment":"neutral","sentiment_score":-0.19855862855911255},{"word":"trump","start":1089.73,"end":1090.23,"confidence":0.8415416,"punctuated_word":"Trump","sentiment":"neutral","sentiment_score":-0.20116358995437625},{"word":"sorts","start":1090.37,"end":1090.87,"confidence":0.39264205,"punctuated_word":"sorts.","sentiment":"neutral","sentiment_score":-0.16930381953716278},{"word":"i","start":1092.13,"end":1092.2899,"confidence":0.3372145,"punctuated_word":"I","sentiment":"neutral","sentiment_score":-0.07217773795127869},{"word":"ran","start":1092.2899,"end":1092.5299,"confidence":0.9117741,"punctuated_word":"ran","sentiment":"neutral","sentiment_score":-0.06290651857852936},{"word":"here","start":1092.5299,"end":1093.0299,"confidence":0.5980863,"punctuated_word":"here.","sentiment":"neutral","sentiment_score":-0.03931618481874466},{"word":"when","start":1096.335,"end":1096.415,"confidence":0.5801243,"punctuated_word":"When","sentiment":"neutral","sentiment_score":0.047135546803474426},{"word":"the","start":1096.415,"end":1096.575,"confidence":0.98631775,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.014921903610229492},{"word":"oil","start":1096.575,"end":1096.975,"confidence":0.9977983,"punctuated_word":"oil","sentiment":"neutral","sentiment_score":0.02594003826379776},{"word":"starts","start":1096.975,"end":1097.375,"confidence":0.9899492,"punctuated_word":"starts","sentiment":"neutral","sentiment_score":0.020384810864925385},{"word":"flowing","start":1097.375,"end":1097.775,"confidence":0.96288955,"punctuated_word":"flowing","sentiment":"neutral","sentiment_score":0.07463568449020386},{"word":"again","start":1097.775,"end":1098.275,"confidence":0.98623884,"punctuated_word":"again,","sentiment":"neutral","sentiment_score":0.03532056882977486},{"word":"the","start":1098.735,"end":1098.895,"confidence":0.99849427,"punctuated_word":"the","sentiment":"neutral","sentiment_score":0.004799582064151764},{"word":"market","start":1098.895,"end":1099.395,"confidence":0.9696287,"punctuated_word":"market","sentiment":"neutral","sentiment_score":-0.0207856222987175},{"word":"should","start":1099.455,"end":1099.935,"confidence":0.99968517,"punctuated_word":"should","sentiment":"neutral","sentiment_score":0.07105696946382523},{"word":"recover","start":1099.935,"end":1100.435,"confidence":0.9936795,"punctuated_word":"recover","sentiment":"neutral","sentiment_score":0.045687414705753326},{"word":"some","start":1101.535,"end":1101.855,"confidence":0.84600675,"punctuated_word":"some","sentiment":"neutral","sentiment_score":-0.000990070402622223},{"word":"yet","start":1101.855,"end":1102.355,"confidence":0.98195684,"punctuated_word":"yet.","sentiment":"neutral","sentiment_score":0.030518455430865288},{"word":"so","start":1104.335,"end":1104.835,"confidence":0.7628021,"punctuated_word":"So,","sentiment":"neutral","sentiment_score":0.08775743097066879},{"word":"yeah","start":1105.135,"end":1105.635,"confidence":0.9880196,"punctuated_word":"yeah,","sentiment":"neutral","sentiment_score":0.08749383687973022},{"word":"let","start":1108.335,"end":1108.495,"confidence":0.5383269,"punctuated_word":"let","sentiment":"neutral","sentiment_score":0.11870315670967102},{"word":"it","start":1108.495,"end":1108.735,"confidence":0.9219372,"punctuated_word":"it","sentiment":"neutral","sentiment_score":0.10885165631771088},{"word":"ride","start":1108.735,"end":1109.135,"confidence":0.9811255,"punctuated_word":"ride","sentiment":"neutral","sentiment_score":0.12879584729671478},{"word":"till","start":1109.135,"end":1109.635,"confidence":0.86300397,"punctuated_word":"till,","sentiment":"neutral","sentiment_score":0.08599916845560074},{"word":"you","start":1109.7,"end":1110.2,"confidence":0.94071746,"punctuated_word":"you","sentiment":"neutral","sentiment_score":0.07543306052684784},{"word":"know","start":1110.82,"end":1111.32,"confidence":0.99888176,"punctuated_word":"know,","sentiment":"neutral","sentiment_score":0.06426852941513062},{"word":"towards","start":1112.1799,"end":1112.6799,"confidence":0.9988637,"punctuated_word":"towards","sentiment":"neutral","sentiment_score":0.081141896545887},{"word":"june","start":1114.98,"end":1115.48,"confidence":0.95615447,"punctuated_word":"June.","sentiment":"neutral","sentiment_score":0.1300394982099533},{"word":"yep","start":1124.1799,"end":1124.6799,"confidence":0.978168,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1561259925365448},{"word":"yep","start":1147.92,"end":1148.42,"confidence":0.9411034,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2711998522281647},{"word":"yep","start":1154.335,"end":1154.835,"confidence":0.9895979,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.26114892959594727},{"word":"yep","start":1166.91,"end":1167.41,"confidence":0.97945166,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.192111074924469},{"word":"seems","start":1169.87,"end":1170.27,"confidence":0.83083034,"punctuated_word":"Seems","sentiment":"positive","sentiment_score":0.4653329253196716},{"word":"good","start":1170.27,"end":1170.77,"confidence":0.99600035,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.4751777648925781},{"word":"yeah","start":1182.2051,"end":1182.525,"confidence":0.7626523,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.11419229954481123},{"word":"yeah","start":1182.525,"end":1182.8451,"confidence":0.8357899,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14802837371826172},{"word":"yep","start":1182.8451,"end":1183.245,"confidence":0.9744072,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1952863186597824},{"word":"that's","start":1183.245,"end":1183.645,"confidence":0.94945335,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.3557678163051605},{"word":"fine","start":1183.645,"end":1184.145,"confidence":0.99750257,"punctuated_word":"fine.","sentiment":"positive","sentiment_score":0.34124261140823364},{"word":"okay","start":1221.78,"end":1222.1,"confidence":0.61880654,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.093354694545269},{"word":"no","start":1222.1,"end":1222.26,"confidence":0.68247855,"punctuated_word":"No.","sentiment":"neutral","sentiment_score":0.058539509773254395},{"word":"i","start":1222.26,"end":1222.34,"confidence":0.9697113,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.09797615557909012},{"word":"think","start":1222.34,"end":1222.5,"confidence":0.99479043,"punctuated_word":"think","sentiment":"neutral","sentiment_score":0.18382585048675537},{"word":"it's","start":1222.5,"end":1223.0,"confidence":0.9883132,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.19370579719543457},{"word":"been","start":1223.38,"end":1223.7001,"confidence":0.9923495,"punctuated_word":"been","sentiment":"neutral","sentiment_score":0.13677367568016052},{"word":"performing","start":1223.7001,"end":1224.2001,"confidence":0.9987356,"punctuated_word":"performing","sentiment":"neutral","sentiment_score":0.17736169695854187},{"word":"pretty","start":1224.34,"end":1224.58,"confidence":0.9983468,"punctuated_word":"pretty","sentiment":"neutral","sentiment_score":0.3272906243801117},{"word":"well","start":1224.58,"end":1225.08,"confidence":0.7028915,"punctuated_word":"well.","sentiment":"neutral","sentiment_score":0.21458087861537933},{"word":"yep","start":1225.3,"end":1225.62,"confidence":0.6408771,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2062242478132248},{"word":"as","start":1225.62,"end":1225.9401,"confidence":0.39729142,"punctuated_word":"As","sentiment":"neutral","sentiment_score":0.15395420789718628},{"word":"is","start":1225.9401,"end":1226.355,"confidence":0.88583446,"punctuated_word":"is.","sentiment":"neutral","sentiment_score":0.14504623413085938},{"word":"yeah","start":1232.035,"end":1232.535,"confidence":0.7876673,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.09908385574817656},{"word":"yeah","start":1259.7949,"end":1260.2749,"confidence":0.8972987,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.15317749977111816},{"word":"yeah","start":1260.2749,"end":1260.7749,"confidence":0.99444413,"punctuated_word":"Yeah.","sentiment":"neutral","sentiment_score":0.14624398946762085},{"word":"well","start":1263.475,"end":1263.635,"confidence":0.6466182,"punctuated_word":"Well,","sentiment":"neutral","sentiment_score":0.11705785989761353},{"word":"just","start":1263.635,"end":1263.955,"confidence":0.99131656,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11629191040992735},{"word":"just","start":1263.955,"end":1264.455,"confidence":0.9975859,"punctuated_word":"just","sentiment":"neutral","sentiment_score":0.11801034212112428},{"word":"carry","start":1264.6749,"end":1264.9149,"confidence":0.996114,"punctuated_word":"carry","sentiment":"neutral","sentiment_score":0.10691488534212112},{"word":"on","start":1264.9149,"end":1265.315,"confidence":0.66522443,"punctuated_word":"on,","sentiment":"neutral","sentiment_score":0.1222810223698616},{"word":"i","start":1265.315,"end":1265.565,"confidence":0.45979884,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.13998079299926758},{"word":"think","start":1265.565,"end":1266.065,"confidence":0.983168,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":0.124129518866539},{"word":"mhmm","start":1277.37,"end":1277.87,"confidence":0.99185616,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.10291768610477448},{"word":"yes","start":1288.645,"end":1289.145,"confidence":0.88226247,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.3281325399875641},{"word":"yep","start":1311.6749,"end":1312.1749,"confidence":0.98659945,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.2425975501537323},{"word":"mhmm","start":1343.115,"end":1343.615,"confidence":0.8926352,"punctuated_word":"Mhmm.","sentiment":"neutral","sentiment_score":0.010336347855627537},{"word":"yep","start":1346.555,"end":1346.9551,"confidence":0.9600444,"punctuated_word":"Yep.","sentiment":"neutral","sentiment_score":0.1416943073272705},{"word":"okay","start":1346.9551,"end":1347.4551,"confidence":0.98806113,"punctuated_word":"Okay.","sentiment":"neutral","sentiment_score":0.25622373819351196},{"word":"so","start":1356.03,"end":1356.27,"confidence":0.3471234,"punctuated_word":"So","sentiment":"neutral","sentiment_score":0.1560182124376297},{"word":"it's","start":1356.27,"end":1356.5901,"confidence":0.59122115,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.13763320446014404},{"word":"it's","start":1356.5901,"end":1356.91,"confidence":0.67461014,"punctuated_word":"it's","sentiment":"neutral","sentiment_score":0.11299379169940948},{"word":"about","start":1356.91,"end":1357.41,"confidence":0.7476975,"punctuated_word":"about","sentiment":"neutral","sentiment_score":0.1161954328417778},{"word":"covers","start":1357.87,"end":1358.27,"confidence":0.9630639,"punctuated_word":"covers","sentiment":"neutral","sentiment_score":0.12575092911720276},{"word":"it","start":1358.27,"end":1358.51,"confidence":0.97666967,"punctuated_word":"it,","sentiment":"neutral","sentiment_score":0.1727907955646515},{"word":"i","start":1358.51,"end":1358.5901,"confidence":0.99908435,"punctuated_word":"I","sentiment":"neutral","sentiment_score":0.24142366647720337},{"word":"think","start":1358.5901,"end":1359.0901,"confidence":0.992188,"punctuated_word":"think.","sentiment":"neutral","sentiment_score":0.21216681599617004},{"word":"fair","start":1375.4501,"end":1375.9501,"confidence":0.86562586,"punctuated_word":"Fair","sentiment":"neutral","sentiment_score":0.056094519793987274},{"word":"enough","start":1380.3301,"end":1380.8301,"confidence":0.99722755,"punctuated_word":"enough.","sentiment":"neutral","sentiment_score":0.1714959740638733},{"word":"we","start":1386.9701,"end":1387.13,"confidence":0.8475633,"punctuated_word":"We","sentiment":"neutral","sentiment_score":0.21634189784526825},{"word":"did","start":1387.13,"end":1387.37,"confidence":0.9882294,"punctuated_word":"did.","sentiment":"neutral","sentiment_score":0.2516171932220459},{"word":"yes","start":1387.37,"end":1387.6901,"confidence":0.9987416,"punctuated_word":"Yes.","sentiment":"neutral","sentiment_score":0.2984541058540344},{"word":"thank","start":1387.6901,"end":1387.93,"confidence":0.99796236,"punctuated_word":"Thank","sentiment":"positive","sentiment_score":0.5143032670021057},{"word":"you","start":1387.93,"end":1388.43,"confidence":0.9995299,"punctuated_word":"you.","sentiment":"positive","sentiment_score":0.4218924939632416},{"word":"all","start":1406.6,"end":1407.0,"confidence":0.72325516,"punctuated_word":"All","sentiment":"positive","sentiment_score":0.8498104810714722},{"word":"good","start":1407.0,"end":1407.5,"confidence":0.9983822,"punctuated_word":"good.","sentiment":"positive","sentiment_score":0.8334789276123047},{"word":"that's","start":1412.76,"end":1413.16,"confidence":0.59961784,"punctuated_word":"That's","sentiment":"positive","sentiment_score":0.38373157382011414},{"word":"all","start":1413.16,"end":1413.4,"confidence":0.9662273,"punctuated_word":"all.","sentiment":"positive","sentiment_score":0.46521812677383423},{"word":"thanks","start":1413.4,"end":1413.72,"confidence":0.99387395,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.8677655458450317},{"word":"very","start":1413.72,"end":1413.96,"confidence":0.9983902,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.8598767518997192},{"word":"much","start":1413.96,"end":1414.46,"confidence":0.9996082,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.8025466203689575},{"word":"okay","start":1423.2849,"end":1423.6849,"confidence":0.60134125,"punctuated_word":"Okay.","sentiment":"positive","sentiment_score":0.3968181014060974},{"word":"thanks","start":1423.6849,"end":1424.0049,"confidence":0.96379614,"punctuated_word":"Thanks","sentiment":"positive","sentiment_score":0.8203481435775757},{"word":"very","start":1424.0049,"end":1424.245,"confidence":0.99363315,"punctuated_word":"very","sentiment":"positive","sentiment_score":0.795365571975708},{"word":"much","start":1424.245,"end":1424.745,"confidence":0.9987608,"punctuated_word":"much.","sentiment":"positive","sentiment_score":0.7656790018081665}],"paragraphs":{"transcript":"\nHello? No. Not too bad. Thanks. Yep.\n\nMerce is going off with one of her friends. She had an appointment, so I'm here alone. Yep. Mhmm. Yep.\n\nYep. Yep. 01/06/1955. That's 17 Moorea Court, Pacific Pines. Yes.\n\nIt's a tech link. Yep. Yep. Yeah. We got a got a letter from the tax office, so we get to bid over 6,006 thousand something tax.\n\nSay that again. But Yeah. Yeah. Yep. Yep.\n\nYep. Yes. Yep. Mhmm. Yep.\n\nWell, what I was what I was considering would be nurses will be available from July this this year, and mine mine won't be until July the following year. Yeah. Well, what I was what I was thinking was, you know, the the 300,000 investment account we have that's not in not in yeah. Yeah. I was thinking if we cash that in, so pull that out, put 300,000 of that into Mercers in July, We'll retain the the balance.\n\nJust put that into savings to pay tax because it'll be a capital gains tax on that, I guess. That's the the tax. Yeah. Yeah. Yeah.\n\nYeah. Well, I was I think the the easiest for us would be just to to take the 300,000 of that, roll it into Mercers' pension fund. And whatever's left over after tax, we'll just keep in savings plus the $210,211. The tax office will put back into our savings account. We'll just hang on to that for for another twelve months, and then I'll add into my pension.\n\nAnd July yeah. I thought maybe we just do the two separate. Yeah. And and just to inquire how the tax is applied to that capital gains, You gave me the the figures. Would it be taxed at 47%, or is it taxed at your normal tax?\n\nTax rates. Yeah. Yeah. No. I I would think that it would split fifty fifty, and this would have no other income.\n\nSo it's 18,018 thousand 200 tax free. She would only pay 15% on a couple of thousand dollars, wouldn't she? Right. So she wouldn't pay any tax? Mhmm.\n\nNo. No. Nothing really. A little bit a little bit of interest on a on a savings account. I mean no.\n\nNo. We just we get 4.8, I think. 4.8% if we continue depositing money into the account. No. No.\n\nNo. No. So and in in my case, I have a DFIDB pension from a military service that is taxed. So it would be added my my portion of the capital gains would be added to my DFIDB. So I would have a bit a bit of tax to pay, not not a great deal.\n\nNo. No. I spent 25,000 a year like it. No. No.\n\nNo. We'll just no. We'll just pay the pay the tax and because this is not gonna happen until July year. So we won't be, like, taxed until the following year anyway. So it's it's gonna be a long way off.\n\nOne question I did one question I did have. Now that tax office has secured this money and they'll take the tax that they that they they calculated. Yeah. But that was their calculation was based on figures that they got in, I think it was November 25. You know, from from that date to now, basically, another year, that extra money in the account has accumulated some interest.\n\nAre they gonna come after more tax on that? Mhmm. Well, it it wouldn't surprise me if they did because anyway. Yeah. Yeah.\n\nSo anyway, that's I think that's probably the best way for us to to to do it with, like I say, take the 300,000 from that investment account, roll that over in the Mercer Super in July in July. And we'll keep whatever we've whatever is left over. We'll just keep in savings until the following July and put it into mine. It should be it should be coming close to the 300 another 300,000. Mhmm.\n\nWell, the the contribution versus contribution won't be eligible until July. Like, her three year is comes up in July or at the June this year. So Yep. Yeah. I'll be inclined to leave it grow.\n\nI think I think the market will recover a bit yet once bloody Trump sorts. I ran here. When the oil starts flowing again, the market should recover some yet. So, yeah, let it ride till, you know, towards June. Yep.\n\nYep. Yep. Yep. Seems good. Yeah.\n\nYeah. Yep. That's fine. Okay. No.\n\nI think it's been performing pretty well. Yep. As is. Yeah. Yeah.\n\nYeah. Well, just just carry on, I think. Mhmm. Yes. Yep.\n\nMhmm. Yep. Okay. So it's it's about covers it, I think. Fair enough.\n\nWe did. Yes. Thank you. All good. That's all.\n\nThanks very much. Okay. Thanks very much.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.0164017453789711},{"text":"No.","start":3.6799998,"end":4.18,"sentiment":"neutral","sentiment_score":-0.05754707753658295},{"text":"Not too bad.","start":6.72,"end":7.2,"sentiment":"neutral","sentiment_score":0.14827121794223785},{"text":"Thanks.","start":7.2,"end":7.7,"sentiment":"positive","sentiment_score":0.4330635070800781},{"text":"Yep.","start":17.525,"end":18.025,"sentiment":"neutral","sentiment_score":0.04842302203178406}],"sentiment":"neutral","sentiment_score":0.12645069296870912,"num_words":7,"start":0.64,"end":18.025},{"sentences":[{"text":"Merce is going off with one of her friends.","start":21.605,"end":26.185001,"sentiment":"neutral","sentiment_score":0.11361344903707504},{"text":"She had an appointment, so I'm here alone.","start":27.06,"end":31.56,"sentiment":"neutral","sentiment_score":0.12248069606721401},{"text":"Yep.","start":34.02,"end":34.52,"sentiment":"neutral","sentiment_score":0.1866314709186554},{"text":"Mhmm.","start":40.98,"end":41.48,"sentiment":"neutral","sentiment_score":0.05467816814780235},{"text":"Yep.","start":41.86,"end":42.36,"sentiment":"neutral","sentiment_score":0.11752305924892426}],"sentiment":"neutral","sentiment_score":0.11805996540933847,"num_words":20,"start":21.605,"end":42.36},{"sentences":[{"text":"Yep.","start":47.375,"end":47.775,"sentiment":"neutral","sentiment_score":0.04901102930307388},{"text":"Yep.","start":47.775,"end":48.275,"sentiment":"neutral","sentiment_score":0.07224929332733154},{"text":"01/06/1955.","start":57.780003,"end":60.2,"sentiment":"neutral","sentiment_score":0.018607981503009796},{"text":"That's 17 Moorea Court, Pacific Pines.","start":61.7,"end":65.08,"sentiment":"neutral","sentiment_score":0.052282713974515595},{"text":"Yes.","start":77.215004,"end":77.715004,"sentiment":"neutral","sentiment_score":0.07222145050764084}],"sentiment":"neutral","sentiment_score":0.052578603848814964,"num_words":10,"start":47.375,"end":77.715004},{"sentences":[{"text":"It's a tech link.","start":77.935005,"end":79.155,"sentiment":"neutral","sentiment_score":0.055273545905947685},{"text":"Yep.","start":87.71,"end":88.21,"sentiment":"neutral","sentiment_score":0.08293203264474869},{"text":"Yep.","start":108.415,"end":108.75,"sentiment":"neutral","sentiment_score":-0.022226300090551376},{"text":"Yeah.","start":109.95,"end":110.27,"sentiment":"neutral","sentiment_score":0.017666790634393692},{"text":"We got a got a letter from the tax office, so we get to bid over 6,006 thousand something tax.","start":110.27,"end":119.17,"sentiment":"neutral","sentiment_score":0.024287350103259088}],"sentiment":"neutral","sentiment_score":0.029081989217687537,"num_words":27,"start":77.935005,"end":119.17},{"sentences":[{"text":"Say that again.","start":134.33499,"end":135.135,"sentiment":"neutral","sentiment_score":0.06151161280771097},{"text":"But Yeah.","start":135.135,"end":142.57999,"sentiment":"neutral","sentiment_score":0.0558816809207201},{"text":"Yeah.","start":142.57999,"end":143.07999,"sentiment":"neutral","sentiment_score":0.16976626217365265},{"text":"Yep.","start":143.45999,"end":143.95999,"sentiment":"positive","sentiment_score":0.3998112082481384},{"text":"Yep.","start":155.635,"end":156.135,"sentiment":"neutral","sentiment_score":0.07282011210918427}],"sentiment":"neutral","sentiment_score":0.11733697284944355,"num_words":8,"start":134.33499,"end":156.135},{"sentences":[{"text":"Yep.","start":156.515,"end":157.015,"sentiment":"neutral","sentiment_score":0.12959644198417664},{"text":"Yes.","start":174.54,"end":175.04,"sentiment":"positive","sentiment_score":0.3834885358810425},{"text":"Yep.","start":188.295,"end":188.52,"sentiment":"neutral","sentiment_score":0.3314797282218933},{"text":"Mhmm.","start":199.48001,"end":199.98001,"sentiment":"neutral","sentiment_score":0.058401528745889664},{"text":"Yep.","start":207.925,"end":208.425,"sentiment":"neutral","sentiment_score":0.03180665895342827}],"sentiment":"neutral","sentiment_score":0.18695457875728608,"num_words":5,"start":156.515,"end":208.425},{"sentences":[{"text":"Well, what I was what I was considering would be nurses will be available from July this this year, and mine mine won't be until July the following year.","start":222.64,"end":244.8,"sentiment":"neutral","sentiment_score":-0.00298405056498174},{"text":"Yeah.","start":257.04,"end":257.28,"sentiment":"neutral","sentiment_score":0.03078010492026806},{"text":"Well, what I was what I was thinking was, you know, the the 300,000 investment account we have that's not in not in yeah.","start":257.28,"end":272.135,"sentiment":"neutral","sentiment_score":-0.005642011761665344},{"text":"Yeah.","start":272.135,"end":272.55,"sentiment":"neutral","sentiment_score":0.02589767426252365},{"text":"I was thinking if we cash that in, so pull that out, put 300,000 of that into Mercers in July, We'll retain the the balance.","start":274.47,"end":291.335,"sentiment":"neutral","sentiment_score":0.051386672593653204}],"sentiment":"neutral","sentiment_score":0.013992485566996038,"num_words":80,"start":222.64,"end":291.335},{"sentences":[{"text":"Just put that into savings to pay tax because it'll be a capital gains tax on that, I guess.","start":292.035,"end":299.735,"sentiment":"neutral","sentiment_score":0.024932726629470523},{"text":"That's the the tax.","start":363.54,"end":366.92,"sentiment":"neutral","sentiment_score":-0.1257410030812025},{"text":"Yeah.","start":378.295,"end":378.795,"sentiment":"neutral","sentiment_score":0.12100209295749664},{"text":"Yeah.","start":384.935,"end":385.435,"sentiment":"neutral","sentiment_score":0.1396341770887375},{"text":"Yeah.","start":390.68,"end":391.18,"sentiment":"neutral","sentiment_score":0.2688157558441162}],"sentiment":"neutral","sentiment_score":0.019238839212518472,"num_words":26,"start":292.035,"end":391.18},{"sentences":[{"text":"Yeah.","start":395.96,"end":396.2,"sentiment":"neutral","sentiment_score":0.23810723423957825},{"text":"Well, I was I think the the easiest for us would be just to to take the 300,000 of that, roll it into Mercers' pension fund.","start":396.2,"end":416.80002,"sentiment":"neutral","sentiment_score":0.18956616177008703},{"text":"And whatever's left over after tax, we'll just keep in savings plus the $210,211.","start":420.30002,"end":429.91498,"sentiment":"neutral","sentiment_score":0.15618368025336946},{"text":"The tax office will put back into our savings account.","start":431.57498,"end":434.455,"sentiment":"neutral","sentiment_score":0.12683032676577569},{"text":"We'll just hang on to that for for another twelve months, and then I'll add into my pension.","start":434.455,"end":442.91,"sentiment":"neutral","sentiment_score":0.10283330745167202}],"sentiment":"neutral","sentiment_score":0.1517782864579256,"num_words":69,"start":395.96,"end":442.91},{"sentences":[{"text":"And July yeah.","start":445.77002,"end":450.03,"sentiment":"neutral","sentiment_score":0.0880290816227595},{"text":"I thought maybe we just do the two separate.","start":478.41,"end":480.51,"sentiment":"neutral","sentiment_score":0.0416292076309522},{"text":"Yeah.","start":482.425,"end":482.925,"sentiment":"neutral","sentiment_score":0.2799961268901825},{"text":"And and just to inquire how the tax is applied to that capital gains, You gave me the the figures.","start":485.38498,"end":499.35,"sentiment":"neutral","sentiment_score":0.025958062056452035},{"text":"Would it be taxed at 47%, or is it taxed at your normal tax?","start":501.65,"end":509.27002,"sentiment":"neutral","sentiment_score":-0.01910796217686896}],"sentiment":"neutral","sentiment_score":0.024902042789146938,"num_words":47,"start":445.77002,"end":509.27002},{"sentences":[{"text":"Tax rates.","start":514.145,"end":517.925,"sentiment":"neutral","sentiment_score":0.16806745156645775},{"text":"Yeah.","start":522.065,"end":522.305,"sentiment":"neutral","sentiment_score":0.0964377373456955},{"text":"Yeah.","start":522.305,"end":522.805,"sentiment":"neutral","sentiment_score":0.11209963262081146},{"text":"No.","start":549.125,"end":549.525,"sentiment":"neutral","sentiment_score":-0.20656375586986545},{"text":"I I would think that it would split fifty fifty, and this would have no other income.","start":549.525,"end":560.67004,"sentiment":"neutral","sentiment_score":-0.13864773993982987}],"sentiment":"neutral","sentiment_score":-0.09176832098852504,"num_words":22,"start":514.145,"end":560.67004},{"sentences":[{"text":"So it's 18,018 thousand 200 tax free.","start":562.17004,"end":565.95,"sentiment":"neutral","sentiment_score":0.06890148775918144},{"text":"She would only pay 15% on a couple of thousand dollars, wouldn't she?","start":566.39496,"end":571.855,"sentiment":"neutral","sentiment_score":0.009038116782903671},{"text":"Right.","start":595.295,"end":595.535,"sentiment":"neutral","sentiment_score":0.03336918354034424},{"text":"So she wouldn't pay any tax?","start":595.535,"end":597.395,"sentiment":"neutral","sentiment_score":-0.18898544212182364},{"text":"Mhmm.","start":602.175,"end":602.675,"sentiment":"neutral","sentiment_score":-0.2002429962158203}],"sentiment":"neutral","sentiment_score":-0.025035019032657146,"num_words":28,"start":562.17004,"end":602.675},{"sentences":[{"text":"No.","start":604.65497,"end":605.15497,"sentiment":"neutral","sentiment_score":-0.32701385021209717},{"text":"No.","start":607.615,"end":607.935,"sentiment":"negative","sentiment_score":-0.4329764246940613},{"text":"Nothing really.","start":607.935,"end":608.835,"sentiment":"neutral","sentiment_score":-0.24155310541391373},{"text":"A little bit a little bit of interest on a on a savings account.","start":609.68,"end":615.22,"sentiment":"neutral","sentiment_score":0.059095912746020725},{"text":"I mean no.","start":615.92,"end":622.01996,"sentiment":"neutral","sentiment_score":-0.05698871612548828}],"sentiment":"neutral","sentiment_score":-0.027939040746007646,"num_words":21,"start":604.65497,"end":622.01996},{"sentences":[{"text":"No.","start":623.44,"end":623.94,"sentiment":"neutral","sentiment_score":-0.1836411654949188},{"text":"We just we get 4.8, I think.","start":624.32,"end":631.265,"sentiment":"neutral","sentiment_score":-0.062365840322205},{"text":"4.8% if we continue depositing money into the account.","start":632.685,"end":638.625,"sentiment":"neutral","sentiment_score":-0.012443462800648477},{"text":"No.","start":656.945,"end":657.34503,"sentiment":"neutral","sentiment_score":-0.10160700976848602},{"text":"No.","start":657.34503,"end":657.84503,"sentiment":"neutral","sentiment_score":-0.18582162261009216}],"sentiment":"neutral","sentiment_score":-0.05366430764919833,"num_words":19,"start":623.44,"end":657.84503},{"sentences":[{"text":"No.","start":659.185,"end":659.685,"sentiment":"neutral","sentiment_score":-0.06361407041549683},{"text":"No.","start":661.34503,"end":661.585,"sentiment":"neutral","sentiment_score":-0.04915599524974823},{"text":"So and in in my case, I have a DFIDB pension from a military service that is taxed.","start":661.585,"end":673.24,"sentiment":"neutral","sentiment_score":-0.004659474982569615},{"text":"So it would be added my my portion of the capital gains would be added to my DFIDB.","start":676.82,"end":684.355,"sentiment":"neutral","sentiment_score":-0.001241868982712428},{"text":"So I would have a bit a bit of tax to pay, not not a great deal.","start":686.255,"end":691.955,"sentiment":"neutral","sentiment_score":-0.17505798269720638}],"sentiment":"neutral","sentiment_score":-0.05809054477986964,"num_words":55,"start":659.185,"end":691.955},{"sentences":[{"text":"No.","start":699.95,"end":700.11,"sentiment":"neutral","sentiment_score":-0.2249816209077835},{"text":"No.","start":700.11,"end":700.27,"sentiment":"neutral","sentiment_score":-0.21868681907653809},{"text":"I spent 25,000 a year like it.","start":700.27,"end":704.69,"sentiment":"neutral","sentiment_score":-0.15862483850547246},{"text":"No.","start":734.42,"end":734.74,"sentiment":"neutral","sentiment_score":-0.2210462987422943},{"text":"No.","start":734.74,"end":735.06,"sentiment":"neutral","sentiment_score":-0.2548164129257202}],"sentiment":"neutral","sentiment_score":-0.1845368201082403,"num_words":11,"start":699.95,"end":735.06},{"sentences":[{"text":"No.","start":735.06,"end":735.38,"sentiment":"negative","sentiment_score":-0.3744121789932251},{"text":"We'll just no.","start":735.38,"end":737.805,"sentiment":"neutral","sentiment_score":-0.275928537050883},{"text":"We'll just pay the pay the tax and because this is not gonna happen until July year.","start":737.805,"end":752.59,"sentiment":"neutral","sentiment_score":-0.26599503702977123},{"text":"So we won't be, like, taxed until the following year anyway.","start":752.59,"end":757.47003,"sentiment":"neutral","sentiment_score":-0.2808849947019057},{"text":"So it's it's gonna be a long way off.","start":757.47003,"end":759.73004,"sentiment":"neutral","sentiment_score":-0.26548507395717835}],"sentiment":"neutral","sentiment_score":-0.2732491226094525,"num_words":41,"start":735.06,"end":759.73004},{"sentences":[{"text":"One question I did one question I did have.","start":760.91003,"end":764.145,"sentiment":"neutral","sentiment_score":-0.03574487090938621},{"text":"Now that tax office has secured this money and they'll take the tax that they that they they calculated.","start":765.825,"end":784.89,"sentiment":"neutral","sentiment_score":-0.11393758556560467},{"text":"Yeah.","start":785.11,"end":785.35,"sentiment":"neutral","sentiment_score":-0.01976795122027397},{"text":"But that was their calculation was based on figures that they got in, I think it was November 25.","start":785.35,"end":795.755,"sentiment":"neutral","sentiment_score":-0.026569036276716935},{"text":"You know, from from that date to now, basically, another year, that extra money in the account has accumulated some interest.","start":802.21497,"end":815.32,"sentiment":"neutral","sentiment_score":-0.05865117730129333}],"sentiment":"neutral","sentiment_score":-0.061489454025159714,"num_words":69,"start":760.91003,"end":815.32},{"sentences":[{"text":"Are they gonna come after more tax on that?","start":816.82,"end":823.755,"sentiment":"neutral","sentiment_score":-0.07478438897265328},{"text":"Mhmm.","start":871.895,"end":872.395,"sentiment":"neutral","sentiment_score":-0.039395712316036224},{"text":"Well, it it wouldn't surprise me if they did because anyway.","start":880.85504,"end":891.33,"sentiment":"neutral","sentiment_score":-0.1256289966404438},{"text":"Yeah.","start":893.95,"end":894.27,"sentiment":"neutral","sentiment_score":0.004394758492708206},{"text":"Yeah.","start":894.27,"end":894.51,"sentiment":"neutral","sentiment_score":0.011870250105857847}],"sentiment":"neutral","sentiment_score":-0.09035257250070572,"num_words":23,"start":816.82,"end":894.51},{"sentences":[{"text":"So anyway, that's I think that's probably the best way for us to to to do it with, like I say, take the 300,000 from that investment account, roll that over in the Mercer Super in July in July.","start":894.51,"end":913.57495,"sentiment":"neutral","sentiment_score":0.11984259883562724},{"text":"And we'll keep whatever we've whatever is left over.","start":916.36,"end":920.84,"sentiment":"neutral","sentiment_score":0.1732386044330067},{"text":"We'll just keep in savings until the following July and put it into mine.","start":920.84,"end":926.7,"sentiment":"neutral","sentiment_score":0.18525016041738646},{"text":"It should be it should be coming close to the 300 another 300,000.","start":929.32,"end":934.565,"sentiment":"neutral","sentiment_score":0.3294141579132814},{"text":"Mhmm.","start":946.95996,"end":947.45996,"sentiment":"neutral","sentiment_score":-0.03727291524410248}],"sentiment":"neutral","sentiment_score":0.17199502865734853,"num_words":76,"start":894.51,"end":947.45996},{"sentences":[{"text":"Well, the the contribution versus contribution won't be eligible until July.","start":991.495,"end":1001.33997,"sentiment":"neutral","sentiment_score":-0.0031931115822358565},{"text":"Like, her three year is comes up in July or at the June this year.","start":1004.6,"end":1013.89996,"sentiment":"neutral","sentiment_score":0.01705167219042778},{"text":"So Yep.","start":1015.875,"end":1032.02,"sentiment":"neutral","sentiment_score":-0.03178895264863968},{"text":"Yeah.","start":1058.94,"end":1059.44,"sentiment":"neutral","sentiment_score":-0.03544002026319504},{"text":"I'll be inclined to leave it grow.","start":1079.4349,"end":1081.195,"sentiment":"neutral","sentiment_score":-0.013168577636991228}],"sentiment":"neutral","sentiment_score":0.0008181357342335912,"num_words":36,"start":991.495,"end":1081.195},{"sentences":[{"text":"I think I think the market will recover a bit yet once bloody Trump sorts.","start":1081.195,"end":1090.87,"sentiment":"neutral","sentiment_score":-0.044337073465188344},{"text":"I ran here.","start":1092.13,"end":1093.0299,"sentiment":"neutral","sentiment_score":-0.05813348044951757},{"text":"When the oil starts flowing again, the market should recover some yet.","start":1096.335,"end":1102.355,"sentiment":"neutral","sentiment_score":0.02905210681880514},{"text":"So, yeah, let it ride till, you know, towards June.","start":1104.335,"end":1115.48,"sentiment":"neutral","sentiment_score":0.09684840813279152},{"text":"Yep.","start":1124.1799,"end":1124.6799,"sentiment":"neutral","sentiment_score":0.1561259925365448}],"sentiment":"neutral","sentiment_score":0.015458019813749849,"num_words":41,"start":1081.195,"end":1124.6799},{"sentences":[{"text":"Yep.","start":1147.92,"end":1148.42,"sentiment":"neutral","sentiment_score":0.2711998522281647},{"text":"Yep.","start":1154.335,"end":1154.835,"sentiment":"neutral","sentiment_score":0.26114892959594727},{"text":"Yep.","start":1166.91,"end":1167.41,"sentiment":"neutral","sentiment_score":0.192111074924469},{"text":"Seems good.","start":1169.87,"end":1170.77,"sentiment":"positive","sentiment_score":0.4702553451061249},{"text":"Yeah.","start":1182.2051,"end":1182.525,"sentiment":"neutral","sentiment_score":0.11419229954481123}],"sentiment":"neutral","sentiment_score":0.29652714108427364,"num_words":6,"start":1147.92,"end":1182.525},{"sentences":[{"text":"Yeah.","start":1182.525,"end":1182.8451,"sentiment":"neutral","sentiment_score":0.14802837371826172},{"text":"Yep.","start":1182.8451,"end":1183.245,"sentiment":"neutral","sentiment_score":0.1952863186597824},{"text":"That's fine.","start":1183.245,"end":1184.145,"sentiment":"positive","sentiment_score":0.3485052138566971},{"text":"Okay.","start":1221.78,"end":1222.1,"sentiment":"neutral","sentiment_score":0.093354694545269},{"text":"No.","start":1222.1,"end":1222.26,"sentiment":"neutral","sentiment_score":0.058539509773254395}],"sentiment":"neutral","sentiment_score":0.1987032207349936,"num_words":6,"start":1182.525,"end":1222.26},{"sentences":[{"text":"I think it's been performing pretty well.","start":1222.26,"end":1225.08,"sentiment":"neutral","sentiment_score":0.19021638269935334},{"text":"Yep.","start":1225.3,"end":1225.62,"sentiment":"neutral","sentiment_score":0.2062242478132248},{"text":"As is.","start":1225.62,"end":1226.355,"sentiment":"neutral","sentiment_score":0.14950022101402283},{"text":"Yeah.","start":1232.035,"end":1232.535,"sentiment":"neutral","sentiment_score":0.09908385574817656},{"text":"Yeah.","start":1259.7949,"end":1260.2749,"sentiment":"neutral","sentiment_score":0.15317749977111816}],"sentiment":"neutral","sentiment_score":0.1740833936880032,"num_words":12,"start":1222.26,"end":1260.2749},{"sentences":[{"text":"Yeah.","start":1260.2749,"end":1260.7749,"sentiment":"neutral","sentiment_score":0.14624398946762085},{"text":"Well, just just carry on, I think.","start":1263.475,"end":1266.065,"sentiment":"neutral","sentiment_score":0.12066661885806493},{"text":"Mhmm.","start":1277.37,"end":1277.87,"sentiment":"neutral","sentiment_score":0.10291768610477448},{"text":"Yes.","start":1288.645,"end":1289.145,"sentiment":"neutral","sentiment_score":0.3281325399875641},{"text":"Yep.","start":1311.6749,"end":1312.1749,"sentiment":"neutral","sentiment_score":0.2425975501537323}],"sentiment":"neutral","sentiment_score":0.1513234634291042,"num_words":11,"start":1260.2749,"end":1312.1749},{"sentences":[{"text":"Mhmm.","start":1343.115,"end":1343.615,"sentiment":"neutral","sentiment_score":0.010336347855627537},{"text":"Yep.","start":1346.555,"end":1346.9551,"sentiment":"neutral","sentiment_score":0.1416943073272705},{"text":"Okay.","start":1346.9551,"end":1347.4551,"sentiment":"neutral","sentiment_score":0.25622373819351196},{"text":"So it's it's about covers it, I think.","start":1356.03,"end":1359.0901,"sentiment":"neutral","sentiment_score":0.1593716060742736},{"text":"Fair enough.","start":1375.4501,"end":1380.8301,"sentiment":"neutral","sentiment_score":0.11379524692893028}],"sentiment":"neutral","sentiment_score":0.14698597967911226,"num_words":13,"start":1343.115,"end":1380.8301},{"sentences":[{"text":"We did.","start":1386.9701,"end":1387.37,"sentiment":"neutral","sentiment_score":0.23397954553365707},{"text":"Yes.","start":1387.37,"end":1387.6901,"sentiment":"neutral","sentiment_score":0.2984541058540344},{"text":"Thank you.","start":1387.6901,"end":1388.43,"sentiment":"positive","sentiment_score":0.46809788048267365},{"text":"All good.","start":1406.6,"end":1407.5,"sentiment":"positive","sentiment_score":0.8416447043418884},{"text":"That's all.","start":1412.76,"end":1413.4,"sentiment":"positive","sentiment_score":0.4244748502969742}],"sentiment":"positive","sentiment_score":0.4705386741293801,"num_words":9,"start":1386.9701,"end":1413.4},{"sentences":[{"text":"Thanks very much.","start":1413.4,"end":1414.46,"sentiment":"positive","sentiment_score":0.8433963060379028},{"text":"Okay.","start":1423.2849,"end":1423.6849,"sentiment":"positive","sentiment_score":0.3968181014060974},{"text":"Thanks very much.","start":1423.6849,"end":1424.745,"sentiment":"positive","sentiment_score":0.7937975724538168}],"sentiment":"positive","sentiment_score":0.7583428195544651,"num_words":7,"start":1413.4,"end":1424.745}]}}]}],"paragraphs":{"transcript":"\nChannel 1: Hello?\n\nChannel 0: Good afternoon, Richard. It's\n\nChannel 1: No.\n\nChannel 0: Tommy here from. How have you been?\n\nChannel 1: Not too bad. Thanks.\n\nChannel 0: Great to hear. Great to hear. I was just giving you a call. We had you booked in today just to go through that updated chat around the contribution strategy. Do I have yourself and Moshe available today?\n\nChannel 1: Yep.\n\nChannel 0: Moshe available today?\n\nChannel 1: Merce is going off with one of her friends. She had an appointment, so\n\nChannel 0: That's no\n\nChannel 1: I'm\n\nChannel 0: worries,\n\nChannel 1: here\n\nChannel 0: Richard.\n\nChannel 1: alone.\n\nChannel 0: I can go through the details with you today, mate.\n\nChannel 1: Yep.\n\nChannel 0: I'll basically crunch some ideas and numbers with you and then kind of do a bit of a follow-up plan if that's okay.\n\nChannel 1: Mhmm. Yep.\n\nChannel 0: Awesome. Just for usual process, are you okay for the call to be recorded, please, sir?\n\nChannel 1: Yep. Yep.\n\nChannel 0: Awesome. I'm registered with ASIC as Adviser 1273105. Could you please confirm your date of birth and address?\n\nChannel 1: 01/06/1955. That's 17 Moorea Court, Pacific Pines.\n\nChannel 0: Amazing as always. Thank you for that. Now I'm assuming you guys were able to see the funds finally got deducted from your from the super account, the pension account.\n\nChannel 1: Yes. It's a tech link.\n\nChannel 0: Yep. So usual process there is the 217,000 has gone off to the ATO, which\n\nChannel 1: Yep.\n\nChannel 0: is identical to what was in the letter for that option that we wanted to do, so that's perfect. The next thing that they do is the ATO is going to do their little magic in the backgrounds about the associated earnings and remove the tax and basically deposit for you guys the remainder after that's\n\nChannel 1: Yep.\n\nChannel 0: been taken out.\n\nChannel 1: Yeah. We got a got a letter from the tax office, so we get to bid over 6,006 thousand something tax.\n\nChannel 0: Yep. So out of the 02/17, could be around about $2.10, $2.11 that could come out net after that. Fantastic.\n\nChannel 1: Say\n\nChannel 0: Are\n\nChannel 1: that\n\nChannel 0: you?\n\nChannel 1: again. But\n\nChannel 0: So if 02/17 came out and they take six out of tax, we should be left with that $2.10 to 11 approximately.\n\nChannel 1: Yeah. Yeah. Yep.\n\nChannel 0: Perfect. Now what I wanted to sort of walk through with you a little bit as well is the reusing the bring forward rule because we're talking about getting that back\n\nChannel 1: Yep.\n\nChannel 0: in so\n\nChannel 1: Yep.\n\nChannel 0: it can be contributed. Now that will need to do a little bit of a pension refresh, which I'm more than happy to do. Because as you know, when you put contributions in, it goes into accumulation. We hit a button on Hub twenty four, and they can refresh it all back into the pension pretty well\n\nChannel 1: Yes.\n\nChannel 0: within a couple of days of each other. And that's the easiest way to get it into super and then back into your same pension phase. I did get the email for dropping the pension payment, so thank you for organizing that.\n\nChannel 1: Yep.\n\nChannel 0: So I'm going to I've got the team sort of ready to action that and get that dropped in time, hopefully, for the next pension payment. Just depends\n\nChannel 1: Mhmm.\n\nChannel 0: on getting possibly something signed, but we're gonna try and action it on your account. Richard,\n\nChannel 1: Yep.\n\nChannel 0: were you wanting to use when it comes to recontributing back in, did you want me to kind of crunch the numbers to see if we should get it back into yours or Mercers, or should we just do one or the other? Do you have a preference?\n\nChannel 1: Well, what I was what I was considering would be nurses will be available from July this this year,\n\nChannel 0: Correct.\n\nChannel 1: and mine mine won't be until July the following year.\n\nChannel 0: Yeah. Now they've increased the non concessional cap to one thirty, so that that brings forward rule gets quite large. We're talking 390,000 now.\n\nChannel 1: Yeah. Well, what I was what I was thinking was, you know, the the 300,000 investment account we have\n\nChannel 0: Yeah.\n\nChannel 1: that's\n\nChannel 0: The three\n\nChannel 1: not\n\nChannel 0: 40\n\nChannel 1: in\n\nChannel 0: seven\n\nChannel 1: not in\n\nChannel 0: and the join.\n\nChannel 1: yeah.\n\nChannel 0: Yep.\n\nChannel 1: Yeah. I was thinking if we cash that in, so pull that out, put 300,000 of that into Mercers in July,\n\nChannel 0: Yeah.\n\nChannel 1: We'll retain the the balance. Just put that into savings to pay tax because it'll be a capital gains tax on that, I guess.\n\nChannel 0: Yeah. I'm going to have a quick I've got the account open now, and I'm just doing a quick dummy trade, and I'll let you know what that's looking like. So, again, so we're thinking 347 is retained approximately just to pay for for tax and things like that. Just gonna go to a full sell down and see what this looks like and estimate. Just bear with me for two seconds while it loads.\n\nSo we've got a net this is just based on today's unit prices. It'll update after about 3PM, but we've got a a gross gain of 45,903. Now they're going the full estimate for the worst case scenario at 47% is 8,535. That's that's a worst case.\n\nChannel 1: That's\n\nChannel 0: 8,000.\n\nChannel 1: the the tax.\n\nChannel 0: Yeah. That's just Hub twenty four does a calculation where they just estimate it at the highest rate, and they basically say if it's a full gain minus any losses and discounts and things\n\nChannel 1: Yeah.\n\nChannel 0: like that, they've applied some CGT discounts. It's a net capital gain of $18.01 $5.09\n\nChannel 1: Yeah.\n\nChannel 0: and then 47% of that, 8,535.\n\nChannel 1: Yeah.\n\nChannel 0: That's the possible.\n\nChannel 1: Yeah. Well, I was I think the the easiest for us would be just to to take the 300,000 of that,\n\nChannel 0: Yeah.\n\nChannel 1: roll it into Mercers' pension fund.\n\nChannel 0: Mhmm.\n\nChannel 1: And whatever's left over after tax, we'll just keep in savings plus the $210,211. The tax office will put back into our savings account. We'll just hang on to that for for another twelve months,\n\nChannel 0: Yep.\n\nChannel 1: and then I'll add into my pension.\n\nChannel 0: That's\n\nChannel 1: And\n\nChannel 0: following\n\nChannel 1: July\n\nChannel 0: financial year in 2728.\n\nChannel 1: yeah.\n\nChannel 0: Yep. Now one thing that may be possible, and I'm just gonna say a big maybe here because I wanna be very careful with it, is if we do any kind of concessional contributions to reduce the tax, get a bit more in and reduce that, but actually do that notice of intent to claim kind of thing. Do you want me to consider that, or would it be easier just to do this two step approach?\n\nChannel 1: I thought maybe we just do the two separate.\n\nChannel 0: Yep. No.\n\nChannel 1: Yeah.\n\nChannel 0: That's easy done.\n\nChannel 1: And and just to inquire how\n\nChannel 0: Yeah.\n\nChannel 1: the tax is applied to that capital gains, You gave me the the figures. Would it be taxed at 47%, or is it taxed at your normal tax?\n\nChannel 0: Oh, yeah. Yeah. It\n\nChannel 1: Tax\n\nChannel 0: should be under your your marginal rate. So\n\nChannel 1: rates.\n\nChannel 0: because Hub twenty four's online system just assumes the worst case scenario, they do\n\nChannel 1: Yeah. Yeah.\n\nChannel 0: the maximum, but it's based on all it is essentially is that gain gets added for that financial year. So if we sell it now, gets added to your income split, of course, for this financial year, and then marginal rate comes off of that minus that 50% CGT discount as long as everything's been held for more than a year and so on. So, again, that's worst case. It should be a bit less than that.\n\nChannel 1: No. I I would think that it would split fifty fifty, and this would have no other income. So it's 18,018 thousand 200 tax free. She would only pay 15% on a couple of thousand dollars, wouldn't she?\n\nChannel 0: Possibly even less because from what I'm looking at let's just have a look at that element. So if the discount's applied, you're left over with a net capital gain of $18.01 $5.09. And then if that's split $50.50, then really $9 gets applied to each of you.\n\nChannel 1: Right. So she wouldn't pay any tax?\n\nChannel 0: No. Unless you've\n\nChannel 1: Mhmm.\n\nChannel 0: got some other income that's\n\nChannel 1: No.\n\nChannel 0: happened in the background there on top.\n\nChannel 1: No. Nothing really. A little bit a little bit of interest on a on a savings account.\n\nChannel 0: The\n\nChannel 1: I\n\nChannel 0: banks\n\nChannel 1: mean\n\nChannel 0: haven't given you a 20% interest rate or something as a loyalty discount, have they?\n\nChannel 1: no. No. We just we get 4.8, I think. 4.8% if we continue depositing money into the account.\n\nChannel 0: Yeah. And whatever goes in there for the next couple of months once all of this, let's say, gets deposited in there from the sell down of the investment accounts, from the withdrawal of pension for the taxes, the interest that that earns for a couple of months won't be too much. It'll\n\nChannel 1: No.\n\nChannel 0: be a\n\nChannel 1: No.\n\nChannel 0: little bit, but not too much.\n\nChannel 1: No. No. So and in in my case, I have a DFIDB pension from a military service\n\nChannel 0: Yeah.\n\nChannel 1: that is taxed. So it would be added my my portion of the capital gains would be added to my DFIDB. So I would have a bit a bit of tax to pay, not not a great deal.\n\nChannel 0: Yeah. They don't have you too high on that that defense pension. They're not pushing you into really high brackets, are they?\n\nChannel 1: No. No. I spent 25,000 a year like it.\n\nChannel 0: K. So that was a little bit of interest with those amounts on top. Yeah. I mean, even after the tax free threshold, you basically only really save a couple of percent by doing anything concessionally because you've got the Medicare levy on top. So it's really not too worth it to try and save two or 3% to try\n\nChannel 1: No.\n\nChannel 0: and minimize\n\nChannel 1: No. No.\n\nChannel 0: yours.\n\nChannel 1: We'll just no. We'll just pay the pay the tax and because this is not gonna happen until July year. So we won't be, like, taxed until the following year anyway. So it's it's gonna\n\nChannel 0: Yeah.\n\nChannel 1: be a long way off.\n\nChannel 0: And\n\nChannel 1: One\n\nChannel 0: if\n\nChannel 1: question\n\nChannel 0: it's okay\n\nChannel 1: I\n\nChannel 0: with\n\nChannel 1: did one\n\nChannel 0: yeah.\n\nChannel 1: question\n\nChannel 0: Go for it.\n\nChannel 1: I did have. Now that tax office has secured this money and they'll take the tax that they that they\n\nChannel 0: Sort of recalculated.\n\nChannel 1: they calculated. Yeah. But that was their calculation was based on figures that they got in, I think it was November 25.\n\nChannel 0: Yeah.\n\nChannel 1: You know, from from that date to now, basically, another year, that extra money in the account has accumulated some interest. Are they gonna come after more tax on\n\nChannel 0: No. They they tend to basically\n\nChannel 1: that?\n\nChannel 0: just do a bit of a a cutoff date. And once the funds are released, they do their calculation. They add that on to that tax assessment from previously. They just try and keep their calculations pretty clean. They chop a date, say estimated earnings of x, y, and z.\n\nThey do their calculation, add it, chop the tax off. They don't kind of keep trying to bite back at the apple multiple times. They try and have a a bit of a chop date. And they would also kind of base it on any information given from the Superfund to them. So their team packages it all up, finalizes everything, and that's why you get those letters to kind of say, okay.\n\nIt's looking like x, y, and z rather than them saying, oh, and then also we've called the super funder after\n\nChannel 1: Mhmm.\n\nChannel 0: this letter, and we've got more information about more interest, and they don't tend to do that. It'd be quite rude if they did.\n\nChannel 1: Well, it it wouldn't surprise me if they did because\n\nChannel 0: Yeah. You're right.\n\nChannel 1: anyway. Yeah. Yeah. So anyway, that's I think that's probably the best way for us to to to do it with, like I say, take the 300,000 from that investment account, roll that over in the Mercer Super\n\nChannel 0: Yeah.\n\nChannel 1: in July in July. And we'll keep whatever we've whatever is left over. We'll just keep in savings until the following July and put it into mine. It should\n\nChannel 0: Thank\n\nChannel 1: be\n\nChannel 0: you.\n\nChannel 1: it should be coming close to the 300 another 300,000.\n\nChannel 0: One thing that I wanna sort of clarify with you too is just in terms of timing for all of this. So I'll be going away in June on paternity leave,\n\nChannel 1: Mhmm.\n\nChannel 0: and I can essentially put together a plan in May or July. And it's really up to you guys about timing on this. So what I mean is, do we put together a plan now for the sell down and recontribution of the investment account over the next few weeks and base it on today's figures, balances, and returns? Or because we can contribute in next financial year, do you wanna sort of see if there's a bit of a bounce back in the markets for a couple of months and do it in July, August? What would be your preference?\n\nChannel 1: Well, the the contribution versus contribution won't be eligible until July. Like, her three year is comes up in July or at the June\n\nChannel 0: Yeah.\n\nChannel 1: this year. So\n\nChannel 0: And one thing that may help you decide here, and this is just based on what's going on in the world at the moment, That investment account that we're looking to sell down on the January 30 was sitting at 355,000,\n\nChannel 1: Yep.\n\nChannel 0: and then that's when you had the market tumble for February and March. And so based on that drop in the markets, which is around about 10% in the stock market, went from 355,000 to $332,000. So that was about 20,000 down. And then in the last couple of weeks, it's bounced back from $3.32 to $3.47. So 20 down, 15 up.\n\nThat's\n\nChannel 1: Yeah.\n\nChannel 0: the kind of volatility that's happening on a fortnightly to monthly basis. So it's about, do we chop it clean over the next couple of weeks now, or do we let it kind of fluctuate and try to grow in between now when we can actually make the transaction?\n\nChannel 1: I'll be inclined to leave it grow. I think I think the market will recover a bit\n\nChannel 0: Yep.\n\nChannel 1: yet once bloody Trump sorts. I ran here.\n\nChannel 0: Yeah.\n\nChannel 1: When the oil starts flowing again, the market should recover some\n\nChannel 0: Yeah.\n\nChannel 1: yet. So, yeah, let it ride till, you know, towards June.\n\nChannel 0: Yep. That gives me a bit of time to look at the investments as well because\n\nChannel 1: Yep.\n\nChannel 0: this plan is gonna be another sort of big plan talking about close down this account through these contributions. Once we have the amounts that you've gotten net from the tax office, we can add that in for that following financial year. What I can do because I'm gonna have to get the money into super and pension refresh it, that'll be a strategy as well to get it back into pension phase.\n\nChannel 1: Yep.\n\nChannel 0: I can use that same opportunity to review some of the investments in the pension accounts. So\n\nChannel 1: Yep.\n\nChannel 0: for example, out of the eight options that are in there, there might be one or two that we can update to be a little bit better too. We don't have to change the risk level. Just maybe switch out some fund managers if we can find a few better ones.\n\nChannel 1: Yep.\n\nChannel 0: K.\n\nChannel 1: Seems good.\n\nChannel 0: K. So I'll call it a portfolio review. Would you like me to do that to both accounts, both pension accounts, and just make sure they're both up to date?\n\nChannel 1: Yeah. Yeah. Yep. That's fine.\n\nChannel 0: Yep. And risk level wise, your pension accounts are sitting at around about just under 30% in defensive assets and about 70% in growth assets. So kind of like a a three out of five on the risk scale. Are you okay to maintain that level, keep getting those pension payments out and focusing a bit more on growth and protection, or do you wanna look at maybe making it a bit safer?\n\nChannel 1: Okay. No. I think it's been performing pretty well. Yep. As is.\n\nChannel 0: It's it's a time game, unfortunately, where\n\nChannel 1: Yeah.\n\nChannel 0: over a five to seven year period, it'll continue to perform pretty well. It's just that when these types of events happen, it can have that those fluctuations in the short term as long as you're not you know, market goes down 15% and you try and pull out $200,000, that sequencing risk can be really brutal. But if you're okay to just have those little pension deductions and space it out over the years, it's not too bad.\n\nChannel 1: Yeah. Yeah. Well, just just carry on, I think.\n\nChannel 0: K. Because we'll put together this updated plan, like, we'll obviously have another discussion. And if we need to adjust the levers on risk, we can do so. But\n\nChannel 1: Mhmm.\n\nChannel 0: for the time being, if you could possibly provide that final letter from the ATO and just let us know when the funds come back to you, that would be great.\n\nChannel 1: Yes.\n\nChannel 0: I'm pretty much going to research the updated portfolios, calculate the sell downs, put together that plan, and we'll have that updated chat as well. There'll be a lot of research getting done in the background for you guys, but I can basically pencil something in for early July.\n\nChannel 1: Yep.\n\nChannel 0: Now it shouldn't be too bad. I'm I'm only taking a couple of weeks off around the first two weeks of June. So I should even be back by the end of financial year, sort of transitioning back in. And if I take any leave, I'll let you know, but Savvy's there. Larissa is there.\n\nI'm there. Someone will be able to sort of walk through this plan with you. There may be one extra quick conversation I need to have at the end of this month or early May just to clarify a few details with you guys. But other\n\nChannel 1: Mhmm.\n\nChannel 0: than that, I pretty much have most of what I need.\n\nChannel 1: Yep. Okay.\n\nChannel 0: Awesome. Richard, any other questions so far or ideas that you would like to consider?\n\nChannel 1: So it's it's about covers it, I think.\n\nChannel 0: Yep. What I might do too is I might just send you guys a bit of an email update with the tentative strategies that we're considering just so you know what they are. Again, the the plans can take a bit of time to kind of write them, build them, calculate\n\nChannel 1: Fair\n\nChannel 0: them, but I'll give you a bit of a recap of this conversation.\n\nChannel 1: enough.\n\nChannel 0: Awesome. Richard, did you guys receive the remediation payment okay into your account?\n\nChannel 1: We did. Yes. Thank you.\n\nChannel 0: Yep. No worries at all. And, look, thank you for raising it, of course, and was happy to investigate. I do apologize it took the time that it did to investigate, but finding that information was, I guess, it was a good outcome. Absolutely.\n\nChannel 1: All good.\n\nChannel 0: All good. So is there anything else I can do for you before I let you go?\n\nChannel 1: That's all. Thanks very much.\n\nChannel 0: Amazing, Richard. I will dive into it now, email you by the end of the week, and I will be in touch as soon as I can.\n\nChannel 1: Okay. Thanks very much.\n\nChannel 0: Thank you, mate. Have a great week, and say hi to Moshe for me. Cheers, Richard. Bye.","paragraphs":[{"sentences":[{"text":"Hello?","start":0.64,"end":1.14,"sentiment":"neutral","sentiment_score":0.0164017453789711}],"sentiment":"neutral","sentiment_score":0.0164017453789711,"channel":1,"num_words":1,"start":0.64,"end":1.14},{"sentences":[{"text":"Good afternoon, Richard.","start":2.48,"end":3.6,"sentiment":"neutral","sentiment_score":0.12593739728132883},{"text":"It's","start":3.6,"end":3.9199998,"sentiment":"neutral","sentiment_score":-0.004054622258991003}],"sentiment":"neutral","sentiment_score":0.09343939239624888,"channel":0,"num_words":4,"start":2.48,"end":3.9199998},{"sentences":[{"text":"No.","start":3.6799998,"end":4.18,"sentiment":"neutral","sentiment_score":-0.05754707753658295}],"sentiment":"neutral","sentiment_score":-0.05754707753658295,"channel":1,"num_words":1,"start":3.6799998,"end":4.18},{"sentences":[{"text":"Tommy here from.","start":3.9199998,"end":4.9,"sentiment":"neutral","sentiment_score":-0.02950683794915676},{"text":"How have you been?","start":4.96,"end":6.1,"sentiment":"neutral","sentiment_score":0.014265547506511211}],"sentiment":"neutral","sentiment_score":-0.004494046260203634,"channel":0,"num_words":7,"start":3.9199998,"end":6.1},{"sentences":[{"text":"Not too bad.","start":6.72,"end":7.2,"sentiment":"neutral","sentiment_score":0.14827121794223785},{"text":"Thanks.","start":7.2,"end":7.7,"sentiment":"positive","sentiment_score":0.4330635070800781}],"sentiment":"neutral","sentiment_score":0.21946929022669792,"channel":1,"num_words":4,"start":6.72,"end":7.7},{"sentences":[{"text":"Great to hear.","start":8.559999,"end":9.2,"sentiment":"positive","sentiment_score":0.6184763511021932},{"text":"Great to hear.","start":9.2,"end":10.0199995,"sentiment":"positive","sentiment_score":0.5577825705210367},{"text":"I was just giving you a call.","start":10.16,"end":11.36,"sentiment":"neutral","sentiment_score":0.20692421070166997},{"text":"We had you booked in today just to go through that updated chat around the contribution strategy.","start":11.36,"end":13.879999,"sentiment":"neutral","sentiment_score":0.14737498321953943},{"text":"Do I have yourself and Moshe available today?","start":13.879999,"end":14.9,"sentiment":"neutral","sentiment_score":0.04476698162034154}],"sentiment":"neutral","sentiment_score":0.20633570545990215,"channel":0,"num_words":38,"start":8.559999,"end":14.9},{"sentences":[{"text":"Yep.","start":17.525,"end":18.025,"sentiment":"neutral","sentiment_score":0.04842302203178406}],"sentiment":"neutral","sentiment_score":0.04842302203178406,"channel":1,"num_words":1,"start":17.525,"end":18.025},{"sentences":[{"text":"Moshe available today?","start":18.105,"end":19.405,"sentiment":"neutral","sentiment_score":0.03803589008748531}],"sentiment":"neutral","sentiment_score":0.03803589008748531,"channel":0,"num_words":3,"start":18.105,"end":19.405},{"sentences":[{"text":"Merce is going off with one of her friends.","start":21.605,"end":26.185001,"sentiment":"neutral","sentiment_score":0.11361344903707504},{"text":"She had an appointment, so","start":27.06,"end":30.34,"sentiment":"neutral","sentiment_score":0.10267720073461532}],"sentiment":"neutral","sentiment_score":0.10970764607191086,"channel":1,"num_words":14,"start":21.605,"end":30.34},{"sentences":[{"text":"That's no","start":30.039999,"end":30.52,"sentiment":"neutral","sentiment_score":0.17132414877414703}],"sentiment":"neutral","sentiment_score":0.17132414877414703,"channel":0,"num_words":2,"start":30.039999,"end":30.52},{"sentences":[{"text":"I'm","start":30.34,"end":30.66,"sentiment":"neutral","sentiment_score":0.11106591671705246}],"sentiment":"neutral","sentiment_score":0.11106591671705246,"channel":1,"num_words":1,"start":30.34,"end":30.66},{"sentences":[{"text":"worries,","start":30.52,"end":30.84,"sentiment":"neutral","sentiment_score":0.20347465574741364}],"sentiment":"neutral","sentiment_score":0.20347465574741364,"channel":0,"num_words":1,"start":30.52,"end":30.84},{"sentences":[{"text":"here","start":30.66,"end":31.06,"sentiment":"neutral","sentiment_score":0.21901722252368927}],"sentiment":"neutral","sentiment_score":0.21901722252368927,"channel":1,"num_words":1,"start":30.66,"end":31.06},{"sentences":[{"text":"Richard.","start":30.84,"end":31.24,"sentiment":"neutral","sentiment_score":0.16923195123672485}],"sentiment":"neutral","sentiment_score":0.16923195123672485,"channel":0,"num_words":1,"start":30.84,"end":31.24},{"sentences":[{"text":"alone.","start":31.06,"end":31.56,"sentiment":"neutral","sentiment_score":0.13637642562389374}],"sentiment":"neutral","sentiment_score":0.13637642562389374,"channel":1,"num_words":1,"start":31.06,"end":31.56},{"sentences":[{"text":"I can go through the details with you today, mate.","start":31.24,"end":33.739998,"sentiment":"neutral","sentiment_score":0.23294091373682022}],"sentiment":"neutral","sentiment_score":0.23294091373682022,"channel":0,"num_words":10,"start":31.24,"end":33.739998},{"sentences":[{"text":"Yep.","start":34.02,"end":34.52,"sentiment":"neutral","sentiment_score":0.1866314709186554}],"sentiment":"neutral","sentiment_score":0.1866314709186554,"channel":1,"num_words":1,"start":34.02,"end":34.52},{"sentences":[{"text":"I'll basically crunch some ideas and numbers with you and then kind of do a bit of a follow-up plan if that's okay.","start":34.36,"end":40.699997,"sentiment":"neutral","sentiment_score":0.10886766243240108}],"sentiment":"neutral","sentiment_score":0.10886766243240108,"channel":0,"num_words":23,"start":34.36,"end":40.699997},{"sentences":[{"text":"Mhmm.","start":40.98,"end":41.48,"sentiment":"neutral","sentiment_score":0.05467816814780235},{"text":"Yep.","start":41.86,"end":42.36,"sentiment":"neutral","sentiment_score":0.11752305924892426}],"sentiment":"neutral","sentiment_score":0.0861006136983633,"channel":1,"num_words":2,"start":40.98,"end":42.36},{"sentences":[{"text":"Awesome.","start":42.245,"end":42.745,"sentiment":"neutral","sentiment_score":0.291310578584671},{"text":"Just for usual process, are you okay for the call to be recorded, please, sir?","start":43.364998,"end":47.545,"sentiment":"neutral","sentiment_score":0.11924387315909067}],"sentiment":"neutral","sentiment_score":0.12999804224818945,"channel":0,"num_words":16,"start":42.245,"end":47.545},{"sentences":[{"text":"Yep.","start":47.375,"end":47.775,"sentiment":"neutral","sentiment_score":0.04901102930307388},{"text":"Yep.","start":47.775,"end":48.275,"sentiment":"neutral","sentiment_score":0.07224929332733154}],"sentiment":"neutral","sentiment_score":0.06063016131520271,"channel":1,"num_words":2,"start":47.375,"end":48.275},{"sentences":[{"text":"Awesome.","start":48.725,"end":49.225,"sentiment":"neutral","sentiment_score":0.20166802406311035},{"text":"I'm registered with ASIC as Adviser 1273105.","start":49.684998,"end":53.364998,"sentiment":"neutral","sentiment_score":0.12855310525212968},{"text":"Could you please confirm your date of birth and address?","start":53.364998,"end":56.024998,"sentiment":"neutral","sentiment_score":0.0580931194126606}],"sentiment":"neutral","sentiment_score":0.09347060860859023,"channel":0,"num_words":18,"start":48.725,"end":56.024998},{"sentences":[{"text":"01/06/1955.","start":57.780003,"end":60.2,"sentiment":"neutral","sentiment_score":0.018607981503009796},{"text":"That's 17 Moorea Court, Pacific Pines.","start":61.7,"end":65.08,"sentiment":"neutral","sentiment_score":0.052282713974515595}],"sentiment":"neutral","sentiment_score":0.04747203790715763,"channel":1,"num_words":7,"start":57.780003,"end":65.08},{"sentences":[{"text":"Amazing as always.","start":66.0,"end":67.04,"sentiment":"positive","sentiment_score":0.5326715310414633},{"text":"Thank you for that.","start":67.04,"end":68.1,"sentiment":"positive","sentiment_score":0.5612236708402634},{"text":"Now I'm assuming you guys were able to see the funds finally got deducted from your from the super account, the pension account.","start":68.56,"end":76.825005,"sentiment":"neutral","sentiment_score":0.10673605359118918}],"sentiment":"neutral","sentiment_score":0.20992795030275982,"channel":0,"num_words":30,"start":66.0,"end":76.825005},{"sentences":[{"text":"Yes.","start":77.215004,"end":77.715004,"sentiment":"neutral","sentiment_score":0.07222145050764084},{"text":"It's a tech link.","start":77.935005,"end":79.155,"sentiment":"neutral","sentiment_score":0.055273545905947685}],"sentiment":"neutral","sentiment_score":0.05866312682628631,"channel":1,"num_words":5,"start":77.215004,"end":79.155},{"sentences":[{"text":"Yep.","start":79.525,"end":80.025,"sentiment":"neutral","sentiment_score":0.06918573379516602},{"text":"So usual process there is the 217,000 has gone off to the ATO, which","start":80.165,"end":87.89,"sentiment":"neutral","sentiment_score":0.059258771261998584}],"sentiment":"neutral","sentiment_score":0.059920568764209745,"channel":0,"num_words":15,"start":79.525,"end":87.89},{"sentences":[{"text":"Yep.","start":87.71,"end":88.21,"sentiment":"neutral","sentiment_score":0.08293203264474869}],"sentiment":"neutral","sentiment_score":0.08293203264474869,"channel":1,"num_words":1,"start":87.71,"end":88.21},{"sentences":[{"text":"is identical to what was in the letter for that option that we wanted to do, so that's perfect.","start":87.89,"end":93.350006,"sentiment":"neutral","sentiment_score":0.17730972759033503},{"text":"The next thing that they do is the ATO is going to do their little magic in the backgrounds about the associated earnings and remove the tax and basically deposit for you guys the remainder after that's","start":94.05,"end":108.685,"sentiment":"neutral","sentiment_score":0.02152455925337366}],"sentiment":"neutral","sentiment_score":0.07438024136769984,"channel":0,"num_words":56,"start":87.89,"end":108.685},{"sentences":[{"text":"Yep.","start":108.415,"end":108.75,"sentiment":"neutral","sentiment_score":-0.022226300090551376}],"sentiment":"neutral","sentiment_score":-0.022226300090551376,"channel":1,"num_words":1,"start":108.415,"end":108.75},{"sentences":[{"text":"been taken out.","start":108.685,"end":109.665,"sentiment":"neutral","sentiment_score":-0.03404123770693938}],"sentiment":"neutral","sentiment_score":-0.03404123770693938,"channel":0,"num_words":3,"start":108.685,"end":109.665},{"sentences":[{"text":"Yeah.","start":109.95,"end":110.27,"sentiment":"neutral","sentiment_score":0.017666790634393692},{"text":"We got a got a letter from the tax office, so we get to bid over 6,006 thousand something tax.","start":110.27,"end":119.17,"sentiment":"neutral","sentiment_score":0.024287350103259088}],"sentiment":"neutral","sentiment_score":0.02397208536664645,"channel":1,"num_words":21,"start":109.95,"end":119.17},{"sentences":[{"text":"Yep.","start":120.27,"end":120.77,"sentiment":"neutral","sentiment_score":0.04070631414651871},{"text":"So out of the 02/17, could be around about $2.10, $2.11 that could come out net after that.","start":121.15,"end":128.025,"sentiment":"neutral","sentiment_score":0.04553051768905587},{"text":"Fantastic.","start":131.765,"end":132.265,"sentiment":"neutral","sentiment_score":0.3056468367576599}],"sentiment":"neutral","sentiment_score":0.058295123465359214,"channel":0,"num_words":20,"start":120.27,"end":132.265},{"sentences":[{"text":"Say","start":134.33499,"end":134.655,"sentiment":"neutral","sentiment_score":0.08758468925952911}],"sentiment":"neutral","sentiment_score":0.08758468925952911,"channel":1,"num_words":1,"start":134.33499,"end":134.655},{"sentences":[{"text":"Are","start":134.565,"end":134.72499,"sentiment":"neutral","sentiment_score":0.04724692925810814}],"sentiment":"neutral","sentiment_score":0.04724692925810814,"channel":0,"num_words":1,"start":134.565,"end":134.72499},{"sentences":[{"text":"that","start":134.655,"end":134.815,"sentiment":"neutral","sentiment_score":0.0905894786119461}],"sentiment":"neutral","sentiment_score":0.0905894786119461,"channel":1,"num_words":1,"start":134.655,"end":134.815},{"sentences":[{"text":"you?","start":134.72499,"end":135.22499,"sentiment":"neutral","sentiment_score":0.07451696693897247}],"sentiment":"neutral","sentiment_score":0.07451696693897247,"channel":0,"num_words":1,"start":134.72499,"end":135.22499},{"sentences":[{"text":"again.","start":134.815,"end":135.135,"sentiment":"neutral","sentiment_score":0.006360670551657677},{"text":"But","start":135.135,"end":135.54,"sentiment":"neutral","sentiment_score":-0.023988153785467148}],"sentiment":"neutral","sentiment_score":-0.008813741616904736,"channel":1,"num_words":2,"start":134.815,"end":135.54},{"sentences":[{"text":"So if 02/17 came out and they take six out of tax, we should be left with that $2.10 to 11 approximately.","start":136.31,"end":142.17,"sentiment":"neutral","sentiment_score":-0.021647068627533458}],"sentiment":"neutral","sentiment_score":-0.021647068627533458,"channel":0,"num_words":22,"start":136.31,"end":142.17},{"sentences":[{"text":"Yeah.","start":142.09999,"end":142.57999,"sentiment":"neutral","sentiment_score":0.13575151562690735},{"text":"Yeah.","start":142.57999,"end":143.07999,"sentiment":"neutral","sentiment_score":0.16976626217365265},{"text":"Yep.","start":143.45999,"end":143.95999,"sentiment":"positive","sentiment_score":0.3998112082481384}],"sentiment":"neutral","sentiment_score":0.23510966201623282,"channel":1,"num_words":3,"start":142.09999,"end":143.95999},{"sentences":[{"text":"Perfect.","start":144.87,"end":145.37,"sentiment":"positive","sentiment_score":0.7027727365493774},{"text":"Now what I wanted to sort of walk through with you a little bit as well is the reusing the bring forward rule because we're talking about getting that back","start":146.39,"end":155.67499,"sentiment":"neutral","sentiment_score":0.14877716725071272}],"sentiment":"neutral","sentiment_score":0.16664799206679867,"channel":0,"num_words":31,"start":144.87,"end":155.67499},{"sentences":[{"text":"Yep.","start":155.635,"end":156.135,"sentiment":"neutral","sentiment_score":0.07282011210918427}],"sentiment":"neutral","sentiment_score":0.07282011210918427,"channel":1,"num_words":1,"start":155.635,"end":156.135},{"sentences":[{"text":"in so","start":155.67499,"end":156.635,"sentiment":"neutral","sentiment_score":0.09130262210965157}],"sentiment":"neutral","sentiment_score":0.09130262210965157,"channel":0,"num_words":2,"start":155.67499,"end":156.635},{"sentences":[{"text":"Yep.","start":156.515,"end":157.015,"sentiment":"neutral","sentiment_score":0.12959644198417664}],"sentiment":"neutral","sentiment_score":0.12959644198417664,"channel":1,"num_words":1,"start":156.515,"end":157.015},{"sentences":[{"text":"it can be contributed.","start":156.635,"end":157.69499,"sentiment":"neutral","sentiment_score":0.17840121686458588},{"text":"Now that will need to do a little bit of a pension refresh, which I'm more than happy to do.","start":159.03499,"end":165.42,"sentiment":"positive","sentiment_score":0.4432419970631599},{"text":"Because as you know, when you put contributions in, it goes into accumulation.","start":165.42,"end":168.8,"sentiment":"neutral","sentiment_score":0.23408563893574935},{"text":"We hit a button on Hub twenty four, and they can refresh it all back into the pension pretty well","start":169.5,"end":174.86,"sentiment":"neutral","sentiment_score":0.2991186462342739}],"sentiment":"neutral","sentiment_score":0.32638475508020637,"channel":0,"num_words":57,"start":156.635,"end":174.86},{"sentences":[{"text":"Yes.","start":174.54,"end":175.04,"sentiment":"positive","sentiment_score":0.3834885358810425}],"sentiment":"positive","sentiment_score":0.3834885358810425,"channel":1,"num_words":1,"start":174.54,"end":175.04},{"sentences":[{"text":"within a couple of days of each other.","start":174.86,"end":176.88,"sentiment":"positive","sentiment_score":0.4612770415842533},{"text":"And that's the easiest way to get it into super and then back into your same pension phase.","start":177.115,"end":182.335,"sentiment":"positive","sentiment_score":0.4574072344435586},{"text":"I did get the email for dropping the pension payment, so thank you for organizing that.","start":182.475,"end":188.015,"sentiment":"positive","sentiment_score":0.5523574724793434}],"sentiment":"positive","sentiment_score":0.49431585981732323,"channel":0,"num_words":42,"start":174.86,"end":188.015},{"sentences":[{"text":"Yep.","start":188.295,"end":188.52,"sentiment":"neutral","sentiment_score":0.3314797282218933}],"sentiment":"neutral","sentiment_score":0.3314797282218933,"channel":1,"num_words":1,"start":188.295,"end":188.52},{"sentences":[{"text":"So I'm going to I've got the team sort of ready to action that and get that dropped in time, hopefully, for the next pension payment.","start":189.69,"end":198.83,"sentiment":"neutral","sentiment_score":0.30413548992230344},{"text":"Just depends","start":199.13,"end":199.69,"sentiment":"neutral","sentiment_score":0.06925911456346512}],"sentiment":"neutral","sentiment_score":0.2873586059681007,"channel":0,"num_words":28,"start":189.69,"end":199.69},{"sentences":[{"text":"Mhmm.","start":199.48001,"end":199.98001,"sentiment":"neutral","sentiment_score":0.058401528745889664}],"sentiment":"neutral","sentiment_score":0.058401528745889664,"channel":1,"num_words":1,"start":199.48001,"end":199.98001},{"sentences":[{"text":"on getting possibly something signed, but we're gonna try and action it on your account.","start":199.69,"end":204.925,"sentiment":"neutral","sentiment_score":0.06555959383646646},{"text":"Richard,","start":207.785,"end":208.285,"sentiment":"neutral","sentiment_score":0.03964749723672867}],"sentiment":"neutral","sentiment_score":0.06394008779898286,"channel":0,"num_words":16,"start":199.69,"end":208.285},{"sentences":[{"text":"Yep.","start":207.925,"end":208.425,"sentiment":"neutral","sentiment_score":0.03180665895342827}],"sentiment":"neutral","sentiment_score":0.03180665895342827,"channel":1,"num_words":1,"start":207.925,"end":208.425},{"sentences":[{"text":"were you wanting to use when it comes to recontributing back in, did you want me to kind of crunch the numbers to see if we should get it back into yours or Mercers, or should we just do one or the other?","start":208.425,"end":220.27,"sentiment":"neutral","sentiment_score":-0.005758599378168583},{"text":"Do you have a preference?","start":220.27,"end":221.33,"sentiment":"neutral","sentiment_score":-0.012882601097226143}],"sentiment":"neutral","sentiment_score":-0.006500682890570412,"channel":0,"num_words":48,"start":208.425,"end":221.33},{"sentences":[{"text":"Well, what I was what I was considering would be nurses will be available from July this this year,","start":222.64,"end":239.075,"sentiment":"neutral","sentiment_score":0.007035421991818829}],"sentiment":"neutral","sentiment_score":0.007035421991818829,"channel":1,"num_words":19,"start":222.64,"end":239.075},{"sentences":[{"text":"Correct.","start":240.365,"end":240.865,"sentiment":"neutral","sentiment_score":0.03198732063174248}],"sentiment":"neutral","sentiment_score":0.03198732063174248,"channel":0,"num_words":1,"start":240.365,"end":240.865},{"sentences":[{"text":"and mine mine won't be until July the following year.","start":240.415,"end":244.8,"sentiment":"neutral","sentiment_score":-0.022021048422902822}],"sentiment":"neutral","sentiment_score":-0.022021048422902822,"channel":1,"num_words":10,"start":240.415,"end":244.8},{"sentences":[{"text":"Yeah.","start":245.95,"end":246.45,"sentiment":"neutral","sentiment_score":0.028230777010321617},{"text":"Now they've increased the non concessional cap to one thirty, so that that brings forward rule gets quite large.","start":246.98999,"end":253.79,"sentiment":"neutral","sentiment_score":0.006755731607738294},{"text":"We're talking 390,000 now.","start":253.79,"end":256.13,"sentiment":"neutral","sentiment_score":0.01078940206207335}],"sentiment":"neutral","sentiment_score":0.008322803575235108,"channel":0,"num_words":24,"start":245.95,"end":256.13},{"sentences":[{"text":"Yeah.","start":257.04,"end":257.28,"sentiment":"neutral","sentiment_score":0.03078010492026806},{"text":"Well, what I was what I was thinking was, you know, the the 300,000 investment account we have","start":257.28,"end":268.795,"sentiment":"neutral","sentiment_score":-0.0013380701550179059}],"sentiment":"neutral","sentiment_score":0.000352360112102408,"channel":1,"num_words":19,"start":257.04,"end":268.795},{"sentences":[{"text":"Yeah.","start":269.27002,"end":269.59,"sentiment":"neutral","sentiment_score":-0.0003907885402441025}],"sentiment":"neutral","sentiment_score":-0.0003907885402441025,"channel":0,"num_words":1,"start":269.27002,"end":269.59},{"sentences":[{"text":"that's","start":269.575,"end":269.89502,"sentiment":"neutral","sentiment_score":-0.016591345891356468}],"sentiment":"neutral","sentiment_score":-0.016591345891356468,"channel":1,"num_words":1,"start":269.575,"end":269.89502},{"sentences":[{"text":"The three","start":269.59,"end":270.07,"sentiment":"neutral","sentiment_score":-0.021001746878027916}],"sentiment":"neutral","sentiment_score":-0.021001746878027916,"channel":0,"num_words":2,"start":269.59,"end":270.07},{"sentences":[{"text":"not","start":269.89502,"end":270.135,"sentiment":"neutral","sentiment_score":-0.02833910658955574}],"sentiment":"neutral","sentiment_score":-0.02833910658955574,"channel":1,"num_words":1,"start":269.89502,"end":270.135},{"sentences":[{"text":"40","start":270.07,"end":270.31,"sentiment":"neutral","sentiment_score":-0.01809526234865189}],"sentiment":"neutral","sentiment_score":-0.01809526234865189,"channel":0,"num_words":1,"start":270.07,"end":270.31},{"sentences":[{"text":"in","start":270.135,"end":270.375,"sentiment":"neutral","sentiment_score":-0.028098205104470253}],"sentiment":"neutral","sentiment_score":-0.028098205104470253,"channel":1,"num_words":1,"start":270.135,"end":270.375},{"sentences":[{"text":"seven","start":270.31,"end":270.63,"sentiment":"neutral","sentiment_score":-0.024445785209536552}],"sentiment":"neutral","sentiment_score":-0.024445785209536552,"channel":0,"num_words":1,"start":270.31,"end":270.63},{"sentences":[{"text":"not in","start":270.375,"end":271.11502,"sentiment":"neutral","sentiment_score":-0.03451287839561701}],"sentiment":"neutral","sentiment_score":-0.03451287839561701,"channel":1,"num_words":2,"start":270.375,"end":271.11502},{"sentences":[{"text":"and the join.","start":270.63,"end":271.45,"sentiment":"neutral","sentiment_score":-0.02837442730863889}],"sentiment":"neutral","sentiment_score":-0.02837442730863889,"channel":0,"num_words":3,"start":270.63,"end":271.45},{"sentences":[{"text":"yeah.","start":271.73502,"end":272.135,"sentiment":"neutral","sentiment_score":0.03073139488697052}],"sentiment":"neutral","sentiment_score":0.03073139488697052,"channel":1,"num_words":1,"start":271.73502,"end":272.135},{"sentences":[{"text":"Yep.","start":272.07,"end":272.57,"sentiment":"neutral","sentiment_score":0.04428839683532715}],"sentiment":"neutral","sentiment_score":0.04428839683532715,"channel":0,"num_words":1,"start":272.07,"end":272.57},{"sentences":[{"text":"Yeah.","start":272.135,"end":272.55,"sentiment":"neutral","sentiment_score":0.02589767426252365},{"text":"I was thinking if we cash that in, so pull that out, put 300,000 of that into Mercers in July,","start":274.47,"end":285.61,"sentiment":"neutral","sentiment_score":0.041329104267060754}],"sentiment":"neutral","sentiment_score":0.040594274266844706,"channel":1,"num_words":21,"start":272.135,"end":285.61},{"sentences":[{"text":"Yeah.","start":288.005,"end":288.505,"sentiment":"neutral","sentiment_score":0.10399575531482697}],"sentiment":"neutral","sentiment_score":0.10399575531482697,"channel":0,"num_words":1,"start":288.005,"end":288.505},{"sentences":[{"text":"We'll retain the the balance.","start":288.835,"end":291.335,"sentiment":"neutral","sentiment_score":0.09161694590002298},{"text":"Just put that into savings to pay tax because it'll be a capital gains tax on that, I guess.","start":292.035,"end":299.735,"sentiment":"neutral","sentiment_score":0.024932726629470523}],"sentiment":"neutral","sentiment_score":0.03882527231083562,"channel":1,"num_words":24,"start":288.835,"end":299.735},{"sentences":[{"text":"Yeah.","start":300.34,"end":300.84,"sentiment":"neutral","sentiment_score":0.18560639023780823},{"text":"I'm going to have a quick I've got the account open now, and I'm just doing a quick dummy trade, and I'll let you know what that's looking like.","start":301.46002,"end":310.005,"sentiment":"neutral","sentiment_score":0.23617699228484054},{"text":"So, again, so we're thinking 347 is retained approximately just to pay for for tax and things like that.","start":310.58502,"end":317.605,"sentiment":"neutral","sentiment_score":0.055920838721488654},{"text":"Just gonna go to a full sell down and see what this looks like and estimate.","start":319.84,"end":325.69998,"sentiment":"neutral","sentiment_score":0.11403281334787607},{"text":"Just bear with me for two seconds while it loads.","start":327.36,"end":329.86,"sentiment":"neutral","sentiment_score":0.004880832135677337}],"sentiment":"neutral","sentiment_score":0.1329409124950568,"channel":0,"num_words":75,"start":300.34,"end":329.86},{"sentences":[{"text":"So we've got a net this is just based on today's unit prices.","start":331.68,"end":336.435,"sentiment":"neutral","sentiment_score":0.08456846613150376},{"text":"It'll update after about 3PM, but we've got a a gross gain of 45,903.","start":336.495,"end":347.62,"sentiment":"neutral","sentiment_score":0.09592239026512418},{"text":"Now they're going the full estimate for the worst case scenario at 47% is 8,535.","start":348.96,"end":358.34,"sentiment":"neutral","sentiment_score":-0.09803698981801669},{"text":"That's that's a worst case.","start":358.585,"end":363.00497,"sentiment":"negative","sentiment_score":-0.37087085247039797}],"sentiment":"neutral","sentiment_score":-0.018778842259594735,"channel":0,"num_words":47,"start":331.68,"end":363.00497},{"sentences":[{"text":"That's","start":363.54,"end":363.86,"sentiment":"neutral","sentiment_score":-0.15917453169822693}],"sentiment":"neutral","sentiment_score":-0.15917453169822693,"channel":1,"num_words":1,"start":363.54,"end":363.86},{"sentences":[{"text":"8,000.","start":363.705,"end":364.44498,"sentiment":"neutral","sentiment_score":-0.11999247968196868}],"sentiment":"neutral","sentiment_score":-0.11999247968196868,"channel":0,"num_words":1,"start":363.705,"end":364.44498},{"sentences":[{"text":"the the tax.","start":363.86,"end":366.92,"sentiment":"neutral","sentiment_score":-0.11459649354219437}],"sentiment":"neutral","sentiment_score":-0.11459649354219437,"channel":1,"num_words":3,"start":363.86,"end":366.92},{"sentences":[{"text":"Yeah.","start":368.585,"end":368.905,"sentiment":"neutral","sentiment_score":0.03544210270047188},{"text":"That's just Hub twenty four does a calculation where they just estimate it at the highest rate, and they basically say if it's a full gain minus any losses and discounts and things","start":368.905,"end":378.30002,"sentiment":"neutral","sentiment_score":0.0594765767455101}],"sentiment":"neutral","sentiment_score":0.0587696804500678,"channel":0,"num_words":34,"start":368.585,"end":378.30002},{"sentences":[{"text":"Yeah.","start":378.295,"end":378.795,"sentiment":"neutral","sentiment_score":0.12100209295749664}],"sentiment":"neutral","sentiment_score":0.12100209295749664,"channel":1,"num_words":1,"start":378.295,"end":378.795},{"sentences":[{"text":"like that, they've applied some CGT discounts.","start":378.30002,"end":381.68002,"sentiment":"neutral","sentiment_score":0.14595050258295877},{"text":"It's a net capital gain of $18.01 $5.09","start":382.14,"end":385.2,"sentiment":"neutral","sentiment_score":0.15373396128416061}],"sentiment":"neutral","sentiment_score":0.1501016805569331,"channel":0,"num_words":15,"start":378.30002,"end":385.2},{"sentences":[{"text":"Yeah.","start":384.935,"end":385.435,"sentiment":"neutral","sentiment_score":0.1396341770887375}],"sentiment":"neutral","sentiment_score":0.1396341770887375,"channel":1,"num_words":1,"start":384.935,"end":385.435},{"sentences":[{"text":"and then 47% of that, 8,535.","start":385.5,"end":389.955,"sentiment":"neutral","sentiment_score":0.09027129039168358}],"sentiment":"neutral","sentiment_score":0.09027129039168358,"channel":0,"num_words":6,"start":385.5,"end":389.955},{"sentences":[{"text":"Yeah.","start":390.68,"end":391.18,"sentiment":"neutral","sentiment_score":0.2688157558441162}],"sentiment":"neutral","sentiment_score":0.2688157558441162,"channel":1,"num_words":1,"start":390.68,"end":391.18},{"sentences":[{"text":"That's the possible.","start":391.955,"end":393.41498,"sentiment":"neutral","sentiment_score":0.30532021323839825}],"sentiment":"neutral","sentiment_score":0.30532021323839825,"channel":0,"num_words":3,"start":391.955,"end":393.41498},{"sentences":[{"text":"Yeah.","start":395.96,"end":396.2,"sentiment":"neutral","sentiment_score":0.23810723423957825},{"text":"Well, I was I think the the easiest for us would be just to to take the 300,000 of that,","start":396.2,"end":409.615,"sentiment":"neutral","sentiment_score":0.19346755892038345}],"sentiment":"neutral","sentiment_score":0.19559325774510702,"channel":1,"num_words":21,"start":395.96,"end":409.615},{"sentences":[{"text":"Yeah.","start":410.45,"end":410.95,"sentiment":"neutral","sentiment_score":0.14766526222229004}],"sentiment":"neutral","sentiment_score":0.14766526222229004,"channel":0,"num_words":1,"start":410.45,"end":410.95},{"sentences":[{"text":"roll it into Mercers' pension fund.","start":412.555,"end":416.80002,"sentiment":"neutral","sentiment_score":0.17656150460243225}],"sentiment":"neutral","sentiment_score":0.17656150460243225,"channel":1,"num_words":6,"start":412.555,"end":416.80002},{"sentences":[{"text":"Mhmm.","start":417.585,"end":418.085,"sentiment":"neutral","sentiment_score":0.1113501712679863}],"sentiment":"neutral","sentiment_score":0.1113501712679863,"channel":0,"num_words":1,"start":417.585,"end":418.085},{"sentences":[{"text":"And whatever's left over after tax, we'll just keep in savings plus the $210,211.","start":420.30002,"end":429.91498,"sentiment":"neutral","sentiment_score":0.15618368025336946},{"text":"The tax office will put back into our savings account.","start":431.57498,"end":434.455,"sentiment":"neutral","sentiment_score":0.12683032676577569},{"text":"We'll just hang on to that for for another twelve months,","start":434.455,"end":437.51498,"sentiment":"neutral","sentiment_score":0.07192070917649702}],"sentiment":"neutral","sentiment_score":0.12131435977561134,"channel":1,"num_words":35,"start":420.30002,"end":437.51498},{"sentences":[{"text":"Yep.","start":438.575,"end":439.075,"sentiment":"neutral","sentiment_score":0.206345796585083}],"sentiment":"neutral","sentiment_score":0.206345796585083,"channel":0,"num_words":1,"start":438.575,"end":439.075},{"sentences":[{"text":"and then I'll add into my pension.","start":439.77002,"end":442.91,"sentiment":"neutral","sentiment_score":0.1514102475983756}],"sentiment":"neutral","sentiment_score":0.1514102475983756,"channel":1,"num_words":7,"start":439.77002,"end":442.91},{"sentences":[{"text":"That's","start":445.695,"end":445.93503,"sentiment":"neutral","sentiment_score":0.07851940393447876}],"sentiment":"neutral","sentiment_score":0.07851940393447876,"channel":0,"num_words":1,"start":445.695,"end":445.93503},{"sentences":[{"text":"And","start":445.77002,"end":446.17,"sentiment":"neutral","sentiment_score":0.04849304258823395}],"sentiment":"neutral","sentiment_score":0.04849304258823395,"channel":1,"num_words":1,"start":445.77002,"end":446.17},{"sentences":[{"text":"following","start":445.93503,"end":446.43503,"sentiment":"neutral","sentiment_score":0.026504218578338623}],"sentiment":"neutral","sentiment_score":0.026504218578338623,"channel":0,"num_words":1,"start":445.93503,"end":446.43503},{"sentences":[{"text":"July","start":446.17,"end":446.67,"sentiment":"neutral","sentiment_score":0.0639043003320694}],"sentiment":"neutral","sentiment_score":0.0639043003320694,"channel":1,"num_words":1,"start":446.17,"end":446.67},{"sentences":[{"text":"financial year in 2728.","start":446.49503,"end":449.23502,"sentiment":"neutral","sentiment_score":0.07006846740841866}],"sentiment":"neutral","sentiment_score":0.07006846740841866,"channel":0,"num_words":4,"start":446.49503,"end":449.23502},{"sentences":[{"text":"yeah.","start":449.53,"end":450.03,"sentiment":"neutral","sentiment_score":0.15168990194797516}],"sentiment":"neutral","sentiment_score":0.15168990194797516,"channel":1,"num_words":1,"start":449.53,"end":450.03},{"sentences":[{"text":"Yep.","start":450.99,"end":451.49,"sentiment":"neutral","sentiment_score":-0.05892220512032509},{"text":"Now one thing that may be possible, and I'm just gonna say a big maybe here because I wanna be very careful with it, is if we do any kind of concessional contributions to reduce the tax, get a bit more in and reduce that, but actually do that notice of intent to claim kind of thing.","start":453.95,"end":470.76498,"sentiment":"neutral","sentiment_score":0.0023788101644369596},{"text":"Do you want me to consider that, or would it be easier just to do this two step approach?","start":470.76498,"end":475.26498,"sentiment":"neutral","sentiment_score":0.08025814337950003}],"sentiment":"neutral","sentiment_score":0.02079967140861146,"channel":0,"num_words":77,"start":450.99,"end":475.26498},{"sentences":[{"text":"I thought maybe we just do the two separate.","start":478.41,"end":480.51,"sentiment":"neutral","sentiment_score":0.0416292076309522}],"sentiment":"neutral","sentiment_score":0.0416292076309522,"channel":1,"num_words":9,"start":478.41,"end":480.51},{"sentences":[{"text":"Yep.","start":481.5,"end":482.0,"sentiment":"neutral","sentiment_score":0.1186295747756958},{"text":"No.","start":482.3,"end":482.46,"sentiment":"neutral","sentiment_score":-0.027460657060146332}],"sentiment":"neutral","sentiment_score":0.045584458857774734,"channel":0,"num_words":2,"start":481.5,"end":482.46},{"sentences":[{"text":"Yeah.","start":482.425,"end":482.925,"sentiment":"neutral","sentiment_score":0.2799961268901825}],"sentiment":"neutral","sentiment_score":0.2799961268901825,"channel":1,"num_words":1,"start":482.425,"end":482.925},{"sentences":[{"text":"That's easy done.","start":482.46,"end":483.6,"sentiment":"positive","sentiment_score":0.46259115139643353}],"sentiment":"positive","sentiment_score":0.46259115139643353,"channel":0,"num_words":3,"start":482.46,"end":483.6},{"sentences":[{"text":"And and just to inquire how","start":485.38498,"end":491.085,"sentiment":"neutral","sentiment_score":0.048833217471838}],"sentiment":"neutral","sentiment_score":0.048833217471838,"channel":1,"num_words":6,"start":485.38498,"end":491.085},{"sentences":[{"text":"Yeah.","start":491.275,"end":491.775,"sentiment":"neutral","sentiment_score":0.033131517469882965}],"sentiment":"neutral","sentiment_score":0.033131517469882965,"channel":0,"num_words":1,"start":491.275,"end":491.775},{"sentences":[{"text":"the tax is applied to that capital gains, You gave me the the figures.","start":491.38498,"end":499.35,"sentiment":"neutral","sentiment_score":0.016154424021286622},{"text":"Would it be taxed at 47%, or is it taxed at your normal tax?","start":501.65,"end":509.27002,"sentiment":"neutral","sentiment_score":-0.01910796217686896}],"sentiment":"neutral","sentiment_score":-0.0014767690777911671,"channel":1,"num_words":28,"start":491.38498,"end":509.27002},{"sentences":[{"text":"Oh, yeah.","start":513.13,"end":513.69,"sentiment":"neutral","sentiment_score":0.08525025472044945},{"text":"Yeah.","start":513.69,"end":514.09,"sentiment":"neutral","sentiment_score":0.11849737167358398},{"text":"It","start":514.09,"end":514.33,"sentiment":"neutral","sentiment_score":0.08861489593982697}],"sentiment":"neutral","sentiment_score":0.09440319426357746,"channel":0,"num_words":4,"start":513.13,"end":514.33},{"sentences":[{"text":"Tax","start":514.145,"end":514.645,"sentiment":"neutral","sentiment_score":0.2617659568786621}],"sentiment":"neutral","sentiment_score":0.2617659568786621,"channel":1,"num_words":1,"start":514.145,"end":514.645},{"sentences":[{"text":"should be under your your marginal rate.","start":514.33,"end":516.705,"sentiment":"neutral","sentiment_score":0.1624007863657815},{"text":"So","start":516.945,"end":517.445,"sentiment":"neutral","sentiment_score":0.0491492785513401}],"sentiment":"neutral","sentiment_score":0.14824434788897634,"channel":0,"num_words":8,"start":514.33,"end":517.445},{"sentences":[{"text":"rates.","start":517.425,"end":517.925,"sentiment":"neutral","sentiment_score":0.07436894625425339}],"sentiment":"neutral","sentiment_score":0.07436894625425339,"channel":1,"num_words":1,"start":517.425,"end":517.925},{"sentences":[{"text":"because Hub twenty four's online system just assumes the worst case scenario, they do","start":517.66504,"end":522.305,"sentiment":"neutral","sentiment_score":0.03896887467375824}],"sentiment":"neutral","sentiment_score":0.03896887467375824,"channel":0,"num_words":14,"start":517.66504,"end":522.305},{"sentences":[{"text":"Yeah.","start":522.065,"end":522.305,"sentiment":"neutral","sentiment_score":0.0964377373456955},{"text":"Yeah.","start":522.305,"end":522.805,"sentiment":"neutral","sentiment_score":0.11209963262081146}],"sentiment":"neutral","sentiment_score":0.10426868498325348,"channel":1,"num_words":2,"start":522.065,"end":522.805},{"sentences":[{"text":"the maximum, but it's based on all it is essentially is that gain gets added for that financial year.","start":522.305,"end":528.305,"sentiment":"neutral","sentiment_score":0.10851551749204334},{"text":"So if we sell it now, gets added to your income split, of course, for this financial year, and then marginal rate comes off of that minus that 50% CGT discount as long as everything's been held for more than a year and so on.","start":528.305,"end":543.48,"sentiment":"neutral","sentiment_score":0.07185481078922748},{"text":"So, again, that's worst case.","start":543.7,"end":545.725,"sentiment":"neutral","sentiment_score":-0.24041607677936555},{"text":"It should be a bit less than that.","start":545.725,"end":547.90497,"sentiment":"neutral","sentiment_score":-0.2266017533838749}],"sentiment":"neutral","sentiment_score":0.02961515463501602,"channel":0,"num_words":77,"start":522.305,"end":547.90497},{"sentences":[{"text":"No.","start":549.125,"end":549.525,"sentiment":"neutral","sentiment_score":-0.20656375586986545},{"text":"I I would think that it would split fifty fifty, and this would have no other income.","start":549.525,"end":560.67004,"sentiment":"neutral","sentiment_score":-0.13864773993982987},{"text":"So it's 18,018 thousand 200 tax free.","start":562.17004,"end":565.95,"sentiment":"neutral","sentiment_score":0.06890148775918144},{"text":"She would only pay 15% on a couple of thousand dollars, wouldn't she?","start":566.39496,"end":571.855,"sentiment":"neutral","sentiment_score":0.009038116782903671}],"sentiment":"neutral","sentiment_score":-0.05167814216723567,"channel":1,"num_words":38,"start":549.125,"end":571.855},{"sentences":[{"text":"Possibly even less because from what I'm looking at let's just have a look at that element.","start":573.03503,"end":581.55,"sentiment":"neutral","sentiment_score":-0.041932653416605556},{"text":"So if the discount's applied, you're left over with a net capital gain of $18.01 $5.09.","start":581.61,"end":587.76996,"sentiment":"neutral","sentiment_score":0.09345001820474863},{"text":"And then if that's split $50.50, then really $9 gets applied to each of you.","start":587.76996,"end":593.115,"sentiment":"neutral","sentiment_score":0.10463998715082805}],"sentiment":"neutral","sentiment_score":0.04899885396783551,"channel":0,"num_words":48,"start":573.03503,"end":593.115},{"sentences":[{"text":"Right.","start":595.295,"end":595.535,"sentiment":"neutral","sentiment_score":0.03336918354034424},{"text":"So she wouldn't pay any tax?","start":595.535,"end":597.395,"sentiment":"neutral","sentiment_score":-0.18898544212182364}],"sentiment":"neutral","sentiment_score":-0.15722049559865678,"channel":1,"num_words":7,"start":595.295,"end":597.395},{"sentences":[{"text":"No.","start":601.595,"end":601.675,"sentiment":"negative","sentiment_score":-0.3901104629039765},{"text":"Unless you've","start":601.675,"end":602.315,"sentiment":"neutral","sentiment_score":-0.27159591019153595}],"sentiment":"neutral","sentiment_score":-0.3111007610956828,"channel":0,"num_words":3,"start":601.595,"end":602.315},{"sentences":[{"text":"Mhmm.","start":602.175,"end":602.675,"sentiment":"neutral","sentiment_score":-0.2002429962158203}],"sentiment":"neutral","sentiment_score":-0.2002429962158203,"channel":1,"num_words":1,"start":602.175,"end":602.675},{"sentences":[{"text":"got some other income that's","start":602.315,"end":604.795,"sentiment":"neutral","sentiment_score":-0.19965921342372894}],"sentiment":"neutral","sentiment_score":-0.19965921342372894,"channel":0,"num_words":5,"start":602.315,"end":604.795},{"sentences":[{"text":"No.","start":604.65497,"end":605.15497,"sentiment":"neutral","sentiment_score":-0.32701385021209717}],"sentiment":"neutral","sentiment_score":-0.32701385021209717,"channel":1,"num_words":1,"start":604.65497,"end":605.15497},{"sentences":[{"text":"happened in the background there on top.","start":604.795,"end":606.975,"sentiment":"neutral","sentiment_score":-0.28138309930052074}],"sentiment":"neutral","sentiment_score":-0.28138309930052074,"channel":0,"num_words":7,"start":604.795,"end":606.975},{"sentences":[{"text":"No.","start":607.615,"end":607.935,"sentiment":"negative","sentiment_score":-0.4329764246940613},{"text":"Nothing really.","start":607.935,"end":608.835,"sentiment":"neutral","sentiment_score":-0.24155310541391373},{"text":"A little bit a little bit of interest on a on a savings account.","start":609.68,"end":615.22,"sentiment":"neutral","sentiment_score":0.059095912746020725}],"sentiment":"neutral","sentiment_score":-0.005219991592799916,"channel":1,"num_words":17,"start":607.615,"end":615.22},{"sentences":[{"text":"The","start":615.8,"end":615.96,"sentiment":"neutral","sentiment_score":-0.0020231343805789948}],"sentiment":"neutral","sentiment_score":-0.0020231343805789948,"channel":0,"num_words":1,"start":615.8,"end":615.96},{"sentences":[{"text":"I","start":615.92,"end":616.07996,"sentiment":"neutral","sentiment_score":0.01685814931988716}],"sentiment":"neutral","sentiment_score":0.01685814931988716,"channel":1,"num_words":1,"start":615.92,"end":616.07996},{"sentences":[{"text":"banks","start":615.96,"end":616.36005,"sentiment":"neutral","sentiment_score":0.023947879672050476}],"sentiment":"neutral","sentiment_score":0.023947879672050476,"channel":0,"num_words":1,"start":615.96,"end":616.36005},{"sentences":[{"text":"mean","start":616.07996,"end":616.39996,"sentiment":"neutral","sentiment_score":-0.0159163661301136}],"sentiment":"neutral","sentiment_score":-0.0159163661301136,"channel":1,"num_words":1,"start":616.07996,"end":616.39996},{"sentences":[{"text":"haven't given you a 20% interest rate or something as a loyalty discount, have they?","start":616.36005,"end":620.115,"sentiment":"neutral","sentiment_score":-0.010115692764520645}],"sentiment":"neutral","sentiment_score":-0.010115692764520645,"channel":0,"num_words":15,"start":616.36005,"end":620.115},{"sentences":[{"text":"no.","start":621.51996,"end":622.01996,"sentiment":"neutral","sentiment_score":-0.1719079315662384},{"text":"No.","start":623.44,"end":623.94,"sentiment":"neutral","sentiment_score":-0.1836411654949188},{"text":"We just we get 4.8, I think.","start":624.32,"end":631.265,"sentiment":"neutral","sentiment_score":-0.062365840322205},{"text":"4.8% if we continue depositing money into the account.","start":632.685,"end":638.625,"sentiment":"neutral","sentiment_score":-0.012443462800648477}],"sentiment":"neutral","sentiment_score":-0.05022784136235714,"channel":1,"num_words":18,"start":621.51996,"end":638.625},{"sentences":[{"text":"Yeah.","start":639.73,"end":640.13,"sentiment":"neutral","sentiment_score":0.06815323233604431},{"text":"And whatever goes in there for the next couple of months once all of this, let's say, gets deposited in there from the sell down of the investment accounts, from the withdrawal of pension for the taxes, the interest that that earns for a couple of months won't be too much.","start":640.13,"end":656.545,"sentiment":"neutral","sentiment_score":0.11777999222862955},{"text":"It'll","start":656.925,"end":657.165,"sentiment":"neutral","sentiment_score":-0.01361857634037733}],"sentiment":"neutral","sentiment_score":0.11436441999350516,"channel":0,"num_words":53,"start":639.73,"end":657.165},{"sentences":[{"text":"No.","start":656.945,"end":657.34503,"sentiment":"neutral","sentiment_score":-0.10160700976848602}],"sentiment":"neutral","sentiment_score":-0.10160700976848602,"channel":1,"num_words":1,"start":656.945,"end":657.34503},{"sentences":[{"text":"be a","start":657.165,"end":657.40497,"sentiment":"neutral","sentiment_score":-0.06967233121395111}],"sentiment":"neutral","sentiment_score":-0.06967233121395111,"channel":0,"num_words":2,"start":657.165,"end":657.40497},{"sentences":[{"text":"No.","start":657.34503,"end":657.84503,"sentiment":"neutral","sentiment_score":-0.18582162261009216}],"sentiment":"neutral","sentiment_score":-0.18582162261009216,"channel":1,"num_words":1,"start":657.34503,"end":657.84503},{"sentences":[{"text":"little bit, but not too much.","start":657.40497,"end":659.02496,"sentiment":"neutral","sentiment_score":-0.16553116341431937}],"sentiment":"neutral","sentiment_score":-0.16553116341431937,"channel":0,"num_words":6,"start":657.40497,"end":659.02496},{"sentences":[{"text":"No.","start":659.185,"end":659.685,"sentiment":"neutral","sentiment_score":-0.06361407041549683},{"text":"No.","start":661.34503,"end":661.585,"sentiment":"neutral","sentiment_score":-0.04915599524974823},{"text":"So and in in my case, I have a DFIDB pension from a military service","start":661.585,"end":670.52,"sentiment":"neutral","sentiment_score":-0.004480638230840365}],"sentiment":"neutral","sentiment_score":-0.010587037595755914,"channel":1,"num_words":17,"start":659.185,"end":670.52},{"sentences":[{"text":"Yeah.","start":671.48505,"end":671.98505,"sentiment":"neutral","sentiment_score":0.012061897665262222}],"sentiment":"neutral","sentiment_score":0.012061897665262222,"channel":0,"num_words":1,"start":671.48505,"end":671.98505},{"sentences":[{"text":"that is taxed.","start":672.18,"end":673.24,"sentiment":"neutral","sentiment_score":-0.005553658741215865},{"text":"So it would be added my my portion of the capital gains would be added to my DFIDB.","start":676.82,"end":684.355,"sentiment":"neutral","sentiment_score":-0.001241868982712428},{"text":"So I would have a bit a bit of tax to pay, not not a great deal.","start":686.255,"end":691.955,"sentiment":"neutral","sentiment_score":-0.17505798269720638}],"sentiment":"neutral","sentiment_score":-0.07934211378328894,"channel":1,"num_words":38,"start":672.18,"end":691.955},{"sentences":[{"text":"Yeah.","start":692.69995,"end":693.1,"sentiment":"neutral","sentiment_score":0.016391068696975708},{"text":"They don't have you too high on that that defense pension.","start":693.1,"end":696.575,"sentiment":"neutral","sentiment_score":-0.028930771079930393},{"text":"They're not pushing you into really high brackets, are they?","start":697.035,"end":699.77496,"sentiment":"neutral","sentiment_score":-0.04793982747942209}],"sentiment":"neutral","sentiment_score":-0.03551116763529452,"channel":0,"num_words":22,"start":692.69995,"end":699.77496},{"sentences":[{"text":"No.","start":699.95,"end":700.11,"sentiment":"neutral","sentiment_score":-0.2249816209077835},{"text":"No.","start":700.11,"end":700.27,"sentiment":"neutral","sentiment_score":-0.21868681907653809},{"text":"I spent 25,000 a year like it.","start":700.27,"end":704.69,"sentiment":"neutral","sentiment_score":-0.15862483850547246}],"sentiment":"neutral","sentiment_score":-0.17267136772473654,"channel":1,"num_words":9,"start":699.95,"end":704.69},{"sentences":[{"text":"K.","start":706.875,"end":707.27496,"sentiment":"neutral","sentiment_score":-0.006225645542144775},{"text":"So that was a little bit of interest with those amounts on top.","start":707.27496,"end":712.27997,"sentiment":"neutral","sentiment_score":0.03664219006896019},{"text":"Yeah.","start":712.98,"end":713.48,"sentiment":"neutral","sentiment_score":-0.033216118812561035},{"text":"I mean, even after the tax free threshold, you basically only really save a couple of percent by doing anything concessionally because you've got the Medicare levy on top.","start":713.86,"end":726.235,"sentiment":"neutral","sentiment_score":-0.06845614159929342},{"text":"So it's really not too worth it to try and save two or 3% to try","start":728.13495,"end":734.45496,"sentiment":"negative","sentiment_score":-0.3402659073472023}],"sentiment":"neutral","sentiment_score":-0.11654293195654948,"channel":0,"num_words":60,"start":706.875,"end":734.45496},{"sentences":[{"text":"No.","start":734.42,"end":734.74,"sentiment":"neutral","sentiment_score":-0.2210462987422943}],"sentiment":"neutral","sentiment_score":-0.2210462987422943,"channel":1,"num_words":1,"start":734.42,"end":734.74},{"sentences":[{"text":"and minimize","start":734.45496,"end":735.115,"sentiment":"neutral","sentiment_score":-0.12808679416775703}],"sentiment":"neutral","sentiment_score":-0.12808679416775703,"channel":0,"num_words":2,"start":734.45496,"end":735.115},{"sentences":[{"text":"No.","start":734.74,"end":735.06,"sentiment":"neutral","sentiment_score":-0.2548164129257202},{"text":"No.","start":735.06,"end":735.38,"sentiment":"negative","sentiment_score":-0.3744121789932251}],"sentiment":"neutral","sentiment_score":-0.31461429595947266,"channel":1,"num_words":2,"start":734.74,"end":735.38},{"sentences":[{"text":"yours.","start":735.255,"end":735.755,"sentiment":"neutral","sentiment_score":-0.32469385862350464}],"sentiment":"neutral","sentiment_score":-0.32469385862350464,"channel":0,"num_words":1,"start":735.255,"end":735.755},{"sentences":[{"text":"We'll just no.","start":735.38,"end":737.805,"sentiment":"neutral","sentiment_score":-0.275928537050883},{"text":"We'll just pay the pay the tax and because this is not gonna happen until July year.","start":737.805,"end":752.59,"sentiment":"neutral","sentiment_score":-0.26599503702977123},{"text":"So we won't be, like, taxed until the following year anyway.","start":752.59,"end":757.47003,"sentiment":"neutral","sentiment_score":-0.2808849947019057},{"text":"So it's it's gonna","start":757.47003,"end":758.59,"sentiment":"neutral","sentiment_score":-0.12738666497170925}],"sentiment":"neutral","sentiment_score":-0.25568522406475885,"channel":1,"num_words":35,"start":735.38,"end":758.59},{"sentences":[{"text":"Yeah.","start":758.405,"end":758.905,"sentiment":"neutral","sentiment_score":-0.19458678364753723}],"sentiment":"neutral","sentiment_score":-0.19458678364753723,"channel":0,"num_words":1,"start":758.405,"end":758.905},{"sentences":[{"text":"be a long way off.","start":758.59,"end":759.73004,"sentiment":"negative","sentiment_score":-0.3759638011455536}],"sentiment":"negative","sentiment_score":-0.3759638011455536,"channel":1,"num_words":5,"start":758.59,"end":759.73004},{"sentences":[{"text":"And","start":760.82,"end":761.06,"sentiment":"neutral","sentiment_score":-0.09151134639978407}],"sentiment":"neutral","sentiment_score":-0.09151134639978407,"channel":0,"num_words":1,"start":760.82,"end":761.06},{"sentences":[{"text":"One","start":760.91003,"end":761.15,"sentiment":"neutral","sentiment_score":-0.05723171681165695}],"sentiment":"neutral","sentiment_score":-0.05723171681165695,"channel":1,"num_words":1,"start":760.91003,"end":761.15},{"sentences":[{"text":"if","start":761.06,"end":761.22003,"sentiment":"neutral","sentiment_score":-0.04738061875104904}],"sentiment":"neutral","sentiment_score":-0.04738061875104904,"channel":0,"num_words":1,"start":761.06,"end":761.22003},{"sentences":[{"text":"question","start":761.15,"end":761.63,"sentiment":"neutral","sentiment_score":-0.06879320740699768}],"sentiment":"neutral","sentiment_score":-0.06879320740699768,"channel":1,"num_words":1,"start":761.15,"end":761.63},{"sentences":[{"text":"it's okay","start":761.22003,"end":761.7,"sentiment":"neutral","sentiment_score":-0.06221086345613003}],"sentiment":"neutral","sentiment_score":-0.06221086345613003,"channel":0,"num_words":2,"start":761.22003,"end":761.7},{"sentences":[{"text":"I","start":761.63,"end":761.79004,"sentiment":"neutral","sentiment_score":-0.05194299668073654}],"sentiment":"neutral","sentiment_score":-0.05194299668073654,"channel":1,"num_words":1,"start":761.63,"end":761.79004},{"sentences":[{"text":"with","start":761.7,"end":761.86005,"sentiment":"neutral","sentiment_score":-0.054633211344480515}],"sentiment":"neutral","sentiment_score":-0.054633211344480515,"channel":0,"num_words":1,"start":761.7,"end":761.86005},{"sentences":[{"text":"did one","start":761.79004,"end":762.91003,"sentiment":"neutral","sentiment_score":-0.05069688707590103}],"sentiment":"neutral","sentiment_score":-0.05069688707590103,"channel":1,"num_words":2,"start":761.79004,"end":762.91003},{"sentences":[{"text":"yeah.","start":762.74,"end":762.98004,"sentiment":"neutral","sentiment_score":-0.043207891285419464}],"sentiment":"neutral","sentiment_score":-0.043207891285419464,"channel":0,"num_words":1,"start":762.74,"end":762.98004},{"sentences":[{"text":"question","start":762.91003,"end":763.39,"sentiment":"neutral","sentiment_score":-0.017340146005153656}],"sentiment":"neutral","sentiment_score":-0.017340146005153656,"channel":1,"num_words":1,"start":762.91003,"end":763.39},{"sentences":[{"text":"Go for it.","start":762.98004,"end":763.88,"sentiment":"neutral","sentiment_score":-0.02653442757825057}],"sentiment":"neutral","sentiment_score":-0.02653442757825057,"channel":0,"num_words":3,"start":762.98004,"end":763.88},{"sentences":[{"text":"I did have.","start":763.39,"end":764.145,"sentiment":"neutral","sentiment_score":-0.008333999042709669},{"text":"Now that tax office has secured this money and they'll take the tax that they that they","start":765.825,"end":777.60504,"sentiment":"neutral","sentiment_score":-0.12023414934382719}],"sentiment":"neutral","sentiment_score":-0.10344912679865956,"channel":1,"num_words":20,"start":763.39,"end":777.60504},{"sentences":[{"text":"Sort of recalculated.","start":782.51495,"end":783.415,"sentiment":"neutral","sentiment_score":-0.22724194327990213}],"sentiment":"neutral","sentiment_score":-0.22724194327990213,"channel":0,"num_words":3,"start":782.51495,"end":783.415},{"sentences":[{"text":"they calculated.","start":784.15,"end":784.89,"sentiment":"neutral","sentiment_score":-0.06041679345071316},{"text":"Yeah.","start":785.11,"end":785.35,"sentiment":"neutral","sentiment_score":-0.01976795122027397},{"text":"But that was their calculation was based on figures that they got in, I think it was November 25.","start":785.35,"end":795.755,"sentiment":"neutral","sentiment_score":-0.026569036276716935}],"sentiment":"neutral","sentiment_score":-0.029336964880878277,"channel":1,"num_words":22,"start":784.15,"end":795.755},{"sentences":[{"text":"Yeah.","start":798.945,"end":799.445,"sentiment":"neutral","sentiment_score":-0.012795785441994669}],"sentiment":"neutral","sentiment_score":-0.012795785441994669,"channel":0,"num_words":1,"start":798.945,"end":799.445},{"sentences":[{"text":"You know, from from that date to now, basically, another year, that extra money in the account has accumulated some interest.","start":802.21497,"end":815.32,"sentiment":"neutral","sentiment_score":-0.05865117730129333},{"text":"Are they gonna come after more tax on","start":816.82,"end":819.995,"sentiment":"neutral","sentiment_score":-0.074300117790699}],"sentiment":"neutral","sentiment_score":-0.06296812640181904,"channel":1,"num_words":29,"start":802.21497,"end":819.995},{"sentences":[{"text":"No.","start":821.535,"end":822.01495,"sentiment":"neutral","sentiment_score":-0.10879981517791748},{"text":"They they tend to basically","start":822.01495,"end":823.375,"sentiment":"neutral","sentiment_score":-0.08502542823553086}],"sentiment":"neutral","sentiment_score":-0.08898782605926196,"channel":0,"num_words":6,"start":821.535,"end":823.375},{"sentences":[{"text":"that?","start":823.255,"end":823.755,"sentiment":"neutral","sentiment_score":-0.0786585584282875}],"sentiment":"neutral","sentiment_score":-0.0786585584282875,"channel":1,"num_words":1,"start":823.255,"end":823.755},{"sentences":[{"text":"just do a bit of a a cutoff date.","start":823.375,"end":825.39496,"sentiment":"neutral","sentiment_score":-0.08226898064215978},{"text":"And once the funds are released, they do their calculation.","start":825.935,"end":829.63495,"sentiment":"neutral","sentiment_score":-0.00023860540241003037},{"text":"They add that on to that tax assessment from previously.","start":830.33496,"end":834.13,"sentiment":"neutral","sentiment_score":0.03736861348152161},{"text":"They just try and keep their calculations pretty clean.","start":834.91,"end":837.49,"sentiment":"neutral","sentiment_score":0.1686779624885983},{"text":"They chop a date, say estimated earnings of x, y, and z.","start":837.95,"end":841.97,"sentiment":"neutral","sentiment_score":0.06862278220554192}],"sentiment":"neutral","sentiment_score":0.03944908607751131,"channel":0,"num_words":50,"start":823.375,"end":841.97},{"sentences":[{"text":"They do their calculation, add it, chop the tax off.","start":842.19,"end":845.115,"sentiment":"neutral","sentiment_score":0.0069359224289655685},{"text":"They don't kind of keep trying to bite back at the apple multiple times.","start":845.115,"end":848.735,"sentiment":"neutral","sentiment_score":-0.22900186319436347},{"text":"They try and have a a bit of a chop date.","start":848.955,"end":851.295,"sentiment":"neutral","sentiment_score":-0.015419291163032705},{"text":"And they would also kind of base it on any information given from the Superfund to them.","start":851.515,"end":857.21497,"sentiment":"neutral","sentiment_score":0.07625451464863385},{"text":"So their team packages it all up, finalizes everything, and that's why you get those letters to kind of say, okay.","start":857.435,"end":865.65,"sentiment":"neutral","sentiment_score":0.08216751757122222}],"sentiment":"neutral","sentiment_score":-0.003896362263045899,"channel":0,"num_words":73,"start":842.19,"end":865.65},{"sentences":[{"text":"It's looking like x, y, and z rather than them saying, oh, and then also we've called the super funder after","start":865.79004,"end":871.935,"sentiment":"neutral","sentiment_score":-0.003928905796437036}],"sentiment":"neutral","sentiment_score":-0.003928905796437036,"channel":0,"num_words":21,"start":865.79004,"end":871.935},{"sentences":[{"text":"Mhmm.","start":871.895,"end":872.395,"sentiment":"neutral","sentiment_score":-0.039395712316036224}],"sentiment":"neutral","sentiment_score":-0.039395712316036224,"channel":1,"num_words":1,"start":871.895,"end":872.395},{"sentences":[{"text":"this letter, and we've got more information about more interest, and they don't tend to do that.","start":871.935,"end":876.355,"sentiment":"neutral","sentiment_score":-0.1810339259750703},{"text":"It'd be quite rude if they did.","start":878.65497,"end":880.27496,"sentiment":"negative","sentiment_score":-0.5785471626690456}],"sentiment":"neutral","sentiment_score":-0.29697528667747974,"channel":0,"num_words":24,"start":871.935,"end":880.27496},{"sentences":[{"text":"Well, it it wouldn't surprise me if they did because","start":880.85504,"end":887.03503,"sentiment":"neutral","sentiment_score":-0.1358182169497013}],"sentiment":"neutral","sentiment_score":-0.1358182169497013,"channel":1,"num_words":10,"start":880.85504,"end":887.03503},{"sentences":[{"text":"Yeah.","start":887.79,"end":888.29,"sentiment":"neutral","sentiment_score":-0.03779906779527664},{"text":"You're right.","start":889.47,"end":890.29,"sentiment":"neutral","sentiment_score":-0.04717295058071613}],"sentiment":"neutral","sentiment_score":-0.044048322985569634,"channel":0,"num_words":3,"start":887.79,"end":890.29},{"sentences":[{"text":"anyway.","start":890.83,"end":891.33,"sentiment":"neutral","sentiment_score":-0.02373679354786873},{"text":"Yeah.","start":893.95,"end":894.27,"sentiment":"neutral","sentiment_score":0.004394758492708206},{"text":"Yeah.","start":894.27,"end":894.51,"sentiment":"neutral","sentiment_score":0.011870250105857847},{"text":"So anyway, that's I think that's probably the best way for us to to to do it with, like I say, take the 300,000 from that investment account, roll that over in the Mercer Super","start":894.51,"end":909.65497,"sentiment":"neutral","sentiment_score":0.12785764251436507}],"sentiment":"neutral","sentiment_score":0.11756699218561775,"channel":1,"num_words":38,"start":890.83,"end":909.65497},{"sentences":[{"text":"Yeah.","start":910.46,"end":910.96,"sentiment":"neutral","sentiment_score":0.06018679589033127}],"sentiment":"neutral","sentiment_score":0.06018679589033127,"channel":0,"num_words":1,"start":910.46,"end":910.96},{"sentences":[{"text":"in July in July.","start":911.235,"end":913.57495,"sentiment":"neutral","sentiment_score":0.049710966646671295},{"text":"And we'll keep whatever we've whatever is left over.","start":916.36,"end":920.84,"sentiment":"neutral","sentiment_score":0.1732386044330067},{"text":"We'll just keep in savings until the following July and put it into mine.","start":920.84,"end":926.7,"sentiment":"neutral","sentiment_score":0.18525016041738646},{"text":"It should","start":929.32,"end":929.72,"sentiment":"positive","sentiment_score":0.40500153601169586}],"sentiment":"neutral","sentiment_score":0.1779826422189844,"channel":1,"num_words":29,"start":911.235,"end":929.72},{"sentences":[{"text":"Thank","start":929.675,"end":929.995,"sentiment":"positive","sentiment_score":0.5530537962913513}],"sentiment":"positive","sentiment_score":0.5530537962913513,"channel":0,"num_words":1,"start":929.675,"end":929.995},{"sentences":[{"text":"be","start":929.72,"end":930.22,"sentiment":"positive","sentiment_score":0.5779402256011963}],"sentiment":"positive","sentiment_score":0.5779402256011963,"channel":1,"num_words":1,"start":929.72,"end":930.22},{"sentences":[{"text":"you.","start":929.995,"end":930.495,"sentiment":"positive","sentiment_score":0.509655773639679}],"sentiment":"positive","sentiment_score":0.509655773639679,"channel":0,"num_words":1,"start":929.995,"end":930.495},{"sentences":[{"text":"it should be coming close to the 300 another 300,000.","start":931.185,"end":934.565,"sentiment":"neutral","sentiment_score":0.289444075524807}],"sentiment":"neutral","sentiment_score":0.289444075524807,"channel":1,"num_words":10,"start":931.185,"end":934.565},{"sentences":[{"text":"One thing that I wanna sort of clarify with you too is just in terms of timing for all of this.","start":937.06,"end":942.60004,"sentiment":"neutral","sentiment_score":-0.030762602885564167},{"text":"So I'll be going away in June on paternity leave,","start":942.9,"end":947.28503,"sentiment":"neutral","sentiment_score":-0.10727825686335564}],"sentiment":"neutral","sentiment_score":-0.05544507191065819,"channel":0,"num_words":31,"start":937.06,"end":947.28503},{"sentences":[{"text":"Mhmm.","start":946.95996,"end":947.45996,"sentiment":"neutral","sentiment_score":-0.03727291524410248}],"sentiment":"neutral","sentiment_score":-0.03727291524410248,"channel":1,"num_words":1,"start":946.95996,"end":947.45996},{"sentences":[{"text":"and I can essentially put together a plan in May or July.","start":947.585,"end":952.405,"sentiment":"neutral","sentiment_score":0.21342142360905805},{"text":"And it's really up to you guys about timing on this.","start":953.025,"end":957.34503,"sentiment":"neutral","sentiment_score":0.26949856091629376},{"text":"So what I mean is, do we put together a plan now for the sell down and recontribution of the investment account over the next few weeks and base it on today's figures, balances, and returns?","start":957.34503,"end":970.74,"sentiment":"neutral","sentiment_score":0.15579571119613117},{"text":"Or because we can contribute in next financial year, do you wanna sort of see if there's a bit of a bounce back in the markets for a couple of months and do it in July, August?","start":971.71497,"end":981.57495,"sentiment":"neutral","sentiment_score":0.06462547459916489},{"text":"What would be your preference?","start":983.39496,"end":984.615,"sentiment":"neutral","sentiment_score":0.07354719415307046}],"sentiment":"neutral","sentiment_score":0.13755510284537725,"channel":0,"num_words":101,"start":947.585,"end":984.615},{"sentences":[{"text":"Well, the the contribution versus contribution won't be eligible until July.","start":991.495,"end":1001.33997,"sentiment":"neutral","sentiment_score":-0.0031931115822358565},{"text":"Like, her three year is comes up in July or at the June","start":1004.6,"end":1012.22,"sentiment":"neutral","sentiment_score":0.017610780894756317}],"sentiment":"neutral","sentiment_score":0.008075663509468237,"channel":1,"num_words":24,"start":991.495,"end":1012.22},{"sentences":[{"text":"Yeah.","start":1013.0,"end":1013.5,"sentiment":"neutral","sentiment_score":0.01797494664788246}],"sentiment":"neutral","sentiment_score":0.01797494664788246,"channel":0,"num_words":1,"start":1013.0,"end":1013.5},{"sentences":[{"text":"this year.","start":1013.16,"end":1013.89996,"sentiment":"neutral","sentiment_score":0.01341746561229229},{"text":"So","start":1015.875,"end":1016.375,"sentiment":"neutral","sentiment_score":0.01722525805234909}],"sentiment":"neutral","sentiment_score":0.01468672975897789,"channel":1,"num_words":3,"start":1013.16,"end":1016.375},{"sentences":[{"text":"And one thing that may help you decide here, and this is just based on what's going on in the world at the moment, That investment account that we're looking to sell down on the January 30 was sitting at 355,000,","start":1017.0,"end":1031.075,"sentiment":"neutral","sentiment_score":-0.017306540365807893}],"sentiment":"neutral","sentiment_score":-0.017306540365807893,"channel":0,"num_words":41,"start":1017.0,"end":1031.075},{"sentences":[{"text":"Yep.","start":1031.52,"end":1032.02,"sentiment":"neutral","sentiment_score":-0.08080316334962845}],"sentiment":"neutral","sentiment_score":-0.08080316334962845,"channel":1,"num_words":1,"start":1031.52,"end":1032.02},{"sentences":[{"text":"and then that's when you had the market tumble for February and March.","start":1031.535,"end":1036.115,"sentiment":"neutral","sentiment_score":-0.234092218371538},{"text":"And so based on that drop in the markets, which is around about 10% in the stock market, went from 355,000 to $332,000.","start":1036.575,"end":1046.5701,"sentiment":"neutral","sentiment_score":-0.19834106026784235},{"text":"So that was about 20,000 down.","start":1047.1901,"end":1049.4501,"sentiment":"neutral","sentiment_score":-0.1340422456463178},{"text":"And then in the last couple of weeks, it's bounced back from $3.32 to $3.47.","start":1049.59,"end":1055.265,"sentiment":"neutral","sentiment_score":-0.05033070060114066},{"text":"So 20 down, 15 up.","start":1056.4451,"end":1058.545,"sentiment":"neutral","sentiment_score":0.004454784095287323}],"sentiment":"neutral","sentiment_score":-0.1474513433453056,"channel":0,"num_words":62,"start":1031.535,"end":1058.545},{"sentences":[{"text":"That's","start":1058.685,"end":1059.185,"sentiment":"neutral","sentiment_score":-0.009830327704548836}],"sentiment":"neutral","sentiment_score":-0.009830327704548836,"channel":0,"num_words":1,"start":1058.685,"end":1059.185},{"sentences":[{"text":"Yeah.","start":1058.94,"end":1059.44,"sentiment":"neutral","sentiment_score":-0.03544002026319504}],"sentiment":"neutral","sentiment_score":-0.03544002026319504,"channel":1,"num_words":1,"start":1058.94,"end":1059.44},{"sentences":[{"text":"the kind of volatility that's happening on a fortnightly to monthly basis.","start":1059.2451,"end":1063.665,"sentiment":"neutral","sentiment_score":-0.11112191217641036},{"text":"So it's about, do we chop it clean over the next couple of weeks now, or do we let it kind of fluctuate and try to grow in between now when we can actually make the transaction?","start":1064.3651,"end":1075.2001,"sentiment":"neutral","sentiment_score":-0.03354116519157951}],"sentiment":"neutral","sentiment_score":-0.052540531800109515,"channel":0,"num_words":49,"start":1059.2451,"end":1075.2001},{"sentences":[{"text":"I'll be inclined to leave it grow.","start":1079.4349,"end":1081.195,"sentiment":"neutral","sentiment_score":-0.013168577636991228},{"text":"I think I think the market will recover a bit","start":1081.195,"end":1086.07,"sentiment":"neutral","sentiment_score":0.011579535156488418}],"sentiment":"neutral","sentiment_score":0.0013891357709379757,"channel":1,"num_words":17,"start":1079.4349,"end":1086.07},{"sentences":[{"text":"Yep.","start":1087.1951,"end":1087.6951,"sentiment":"neutral","sentiment_score":-0.028371717780828476}],"sentiment":"neutral","sentiment_score":-0.028371717780828476,"channel":0,"num_words":1,"start":1087.1951,"end":1087.6951},{"sentences":[{"text":"yet once bloody Trump sorts.","start":1087.49,"end":1090.87,"sentiment":"neutral","sentiment_score":-0.15617029070854188},{"text":"I ran here.","start":1092.13,"end":1093.0299,"sentiment":"neutral","sentiment_score":-0.05813348044951757}],"sentiment":"neutral","sentiment_score":-0.11940648686140776,"channel":1,"num_words":8,"start":1087.49,"end":1093.0299},{"sentences":[{"text":"Yeah.","start":1094.17,"end":1094.67,"sentiment":"neutral","sentiment_score":0.05277281254529953}],"sentiment":"neutral","sentiment_score":0.05277281254529953,"channel":0,"num_words":1,"start":1094.17,"end":1094.67},{"sentences":[{"text":"When the oil starts flowing again, the market should recover some","start":1096.335,"end":1101.855,"sentiment":"neutral","sentiment_score":0.028918802399526943}],"sentiment":"neutral","sentiment_score":0.028918802399526943,"channel":1,"num_words":11,"start":1096.335,"end":1101.855},{"sentences":[{"text":"Yeah.","start":1101.61,"end":1102.11,"sentiment":"neutral","sentiment_score":0.024181298911571503}],"sentiment":"neutral","sentiment_score":0.024181298911571503,"channel":0,"num_words":1,"start":1101.61,"end":1102.11},{"sentences":[{"text":"yet.","start":1101.855,"end":1102.355,"sentiment":"neutral","sentiment_score":0.030518455430865288},{"text":"So, yeah, let it ride till, you know, towards June.","start":1104.335,"end":1115.48,"sentiment":"neutral","sentiment_score":0.09684840813279152}],"sentiment":"neutral","sentiment_score":0.0908184124326164,"channel":1,"num_words":11,"start":1101.855,"end":1115.48},{"sentences":[{"text":"Yep.","start":1118.36,"end":1118.86,"sentiment":"neutral","sentiment_score":0.22235524654388428},{"text":"That gives me a bit of time to look at the investments as well because","start":1119.48,"end":1124.5399,"sentiment":"neutral","sentiment_score":0.21747727145751317}],"sentiment":"neutral","sentiment_score":0.21778214490041137,"channel":0,"num_words":16,"start":1118.36,"end":1124.5399},{"sentences":[{"text":"Yep.","start":1124.1799,"end":1124.6799,"sentiment":"neutral","sentiment_score":0.1561259925365448}],"sentiment":"neutral","sentiment_score":0.1561259925365448,"channel":1,"num_words":1,"start":1124.1799,"end":1124.6799},{"sentences":[{"text":"this plan is gonna be another sort of big plan talking about close down this account through these contributions.","start":1124.9199,"end":1131.3351,"sentiment":"neutral","sentiment_score":0.1343093667375414},{"text":"Once we have the amounts that you've gotten net from the tax office, we can add that in for that following financial year.","start":1132.115,"end":1138.935,"sentiment":"neutral","sentiment_score":0.10238273020671762},{"text":"What I can do because I'm gonna have to get the money into super and pension refresh it, that'll be a strategy as well to get it back into pension phase.","start":1139.3151,"end":1147.53,"sentiment":"neutral","sentiment_score":0.21587151529327517}],"sentiment":"neutral","sentiment_score":0.1588862703679359,"channel":0,"num_words":73,"start":1124.9199,"end":1147.53},{"sentences":[{"text":"Yep.","start":1147.92,"end":1148.42,"sentiment":"neutral","sentiment_score":0.2711998522281647}],"sentiment":"neutral","sentiment_score":0.2711998522281647,"channel":1,"num_words":1,"start":1147.92,"end":1148.42},{"sentences":[{"text":"I can use that same opportunity to review some of the investments in the pension accounts.","start":1148.7101,"end":1153.61,"sentiment":"neutral","sentiment_score":0.25870053097605705},{"text":"So","start":1154.0701,"end":1154.55,"sentiment":"neutral","sentiment_score":0.2489578127861023}],"sentiment":"neutral","sentiment_score":0.2581274299060597,"channel":0,"num_words":17,"start":1148.7101,"end":1154.55},{"sentences":[{"text":"Yep.","start":1154.335,"end":1154.835,"sentiment":"neutral","sentiment_score":0.26114892959594727}],"sentiment":"neutral","sentiment_score":0.26114892959594727,"channel":1,"num_words":1,"start":1154.335,"end":1154.835},{"sentences":[{"text":"for example, out of the eight options that are in there, there might be one or two that we can update to be a little bit better too.","start":1154.55,"end":1160.915,"sentiment":"neutral","sentiment_score":0.21876664353268488},{"text":"We don't have to change the risk level.","start":1160.9751,"end":1162.8151,"sentiment":"neutral","sentiment_score":0.05287732230499387},{"text":"Just maybe switch out some fund managers if we can find a few better ones.","start":1162.8151,"end":1166.515,"sentiment":"neutral","sentiment_score":0.08088517809907596}],"sentiment":"neutral","sentiment_score":0.15219141703610325,"channel":0,"num_words":51,"start":1154.55,"end":1166.515},{"sentences":[{"text":"Yep.","start":1166.91,"end":1167.41,"sentiment":"neutral","sentiment_score":0.192111074924469}],"sentiment":"neutral","sentiment_score":0.192111074924469,"channel":1,"num_words":1,"start":1166.91,"end":1167.41},{"sentences":[{"text":"K.","start":1169.63,"end":1170.13,"sentiment":"neutral","sentiment_score":0.22587575018405912}],"sentiment":"neutral","sentiment_score":0.22587575018405912,"channel":0,"num_words":1,"start":1169.63,"end":1170.13},{"sentences":[{"text":"Seems good.","start":1169.87,"end":1170.77,"sentiment":"positive","sentiment_score":0.4702553451061249}],"sentiment":"positive","sentiment_score":0.4702553451061249,"channel":1,"num_words":2,"start":1169.87,"end":1170.77},{"sentences":[{"text":"K.","start":1171.63,"end":1172.11,"sentiment":"neutral","sentiment_score":0.2171852141618729},{"text":"So I'll call it a portfolio review.","start":1172.11,"end":1174.5299,"sentiment":"neutral","sentiment_score":0.18287408351898193},{"text":"Would you like me to do that to both accounts, both pension accounts, and just make sure they're both up to date?","start":1175.23,"end":1181.865,"sentiment":"neutral","sentiment_score":0.17513084750283847}],"sentiment":"neutral","sentiment_score":0.17833941479523976,"channel":0,"num_words":30,"start":1171.63,"end":1181.865},{"sentences":[{"text":"Yeah.","start":1182.2051,"end":1182.525,"sentiment":"neutral","sentiment_score":0.11419229954481123},{"text":"Yeah.","start":1182.525,"end":1182.8451,"sentiment":"neutral","sentiment_score":0.14802837371826172},{"text":"Yep.","start":1182.8451,"end":1183.245,"sentiment":"neutral","sentiment_score":0.1952863186597824},{"text":"That's fine.","start":1183.245,"end":1184.145,"sentiment":"positive","sentiment_score":0.3485052138566971}],"sentiment":"neutral","sentiment_score":0.2309034839272499,"channel":1,"num_words":5,"start":1182.2051,"end":1184.145},{"sentences":[{"text":"Yep.","start":1183.865,"end":1184.365,"sentiment":"neutral","sentiment_score":0.2295837104320526},{"text":"And risk level wise, your pension accounts are sitting at around about just under 30% in defensive assets and about 70% in growth assets.","start":1185.945,"end":1198.14,"sentiment":"neutral","sentiment_score":0.11284773082782824},{"text":"So kind of like a a three out of five on the risk scale.","start":1198.52,"end":1201.9,"sentiment":"neutral","sentiment_score":0.07869107755167144},{"text":"Are you okay to maintain that level, keep getting those pension payments out and focusing a bit more on growth and protection, or do you wanna look at maybe making it a bit safer?","start":1202.12,"end":1211.8551,"sentiment":"neutral","sentiment_score":0.10520803413408644}],"sentiment":"neutral","sentiment_score":0.10433804789838726,"channel":0,"num_words":73,"start":1183.865,"end":1211.8551},{"sentences":[{"text":"Okay.","start":1221.78,"end":1222.1,"sentiment":"neutral","sentiment_score":0.093354694545269},{"text":"No.","start":1222.1,"end":1222.26,"sentiment":"neutral","sentiment_score":0.058539509773254395},{"text":"I think it's been performing pretty well.","start":1222.26,"end":1225.08,"sentiment":"neutral","sentiment_score":0.19021638269935334},{"text":"Yep.","start":1225.3,"end":1225.62,"sentiment":"neutral","sentiment_score":0.2062242478132248},{"text":"As is.","start":1225.62,"end":1226.355,"sentiment":"neutral","sentiment_score":0.14950022101402283}],"sentiment":"neutral","sentiment_score":0.16571946442127228,"channel":1,"num_words":12,"start":1221.78,"end":1226.355},{"sentences":[{"text":"It's it's a time game, unfortunately, where","start":1228.97,"end":1232.19,"sentiment":"neutral","sentiment_score":0.0007534641772508621}],"sentiment":"neutral","sentiment_score":0.0007534641772508621,"channel":0,"num_words":7,"start":1228.97,"end":1232.19},{"sentences":[{"text":"Yeah.","start":1232.035,"end":1232.535,"sentiment":"neutral","sentiment_score":0.09908385574817656}],"sentiment":"neutral","sentiment_score":0.09908385574817656,"channel":1,"num_words":1,"start":1232.035,"end":1232.535},{"sentences":[{"text":"over a five to seven year period, it'll continue to perform pretty well.","start":1232.25,"end":1236.2699,"sentiment":"neutral","sentiment_score":0.2147850554723006},{"text":"It's just that when these types of events happen, it can have that those fluctuations in the short term as long as you're not you know, market goes down 15% and you try and pull out $200,000, that sequencing risk can be really brutal.","start":1236.4249,"end":1251.58,"sentiment":"neutral","sentiment_score":-0.011144562116400763},{"text":"But if you're okay to just have those little pension deductions and space it out over the years, it's not too bad.","start":1251.88,"end":1259.34,"sentiment":"neutral","sentiment_score":0.25488961217078293}],"sentiment":"neutral","sentiment_score":0.10011919564272784,"channel":0,"num_words":79,"start":1232.25,"end":1259.34},{"sentences":[{"text":"Yeah.","start":1259.7949,"end":1260.2749,"sentiment":"neutral","sentiment_score":0.15317749977111816},{"text":"Yeah.","start":1260.2749,"end":1260.7749,"sentiment":"neutral","sentiment_score":0.14624398946762085},{"text":"Well, just just carry on, I think.","start":1263.475,"end":1266.065,"sentiment":"neutral","sentiment_score":0.12066661885806493}],"sentiment":"neutral","sentiment_score":0.12712086902724373,"channel":1,"num_words":9,"start":1259.7949,"end":1266.065},{"sentences":[{"text":"K.","start":1267.1749,"end":1267.6749,"sentiment":"neutral","sentiment_score":0.06290855258703232},{"text":"Because we'll put together this updated plan, like, we'll obviously have another discussion.","start":1268.615,"end":1272.775,"sentiment":"neutral","sentiment_score":0.11729392223060131},{"text":"And if we need to adjust the levers on risk, we can do so.","start":1272.775,"end":1276.98,"sentiment":"neutral","sentiment_score":0.06173188066376107},{"text":"But","start":1277.2999,"end":1277.7,"sentiment":"neutral","sentiment_score":0.08480633795261383}],"sentiment":"neutral","sentiment_score":0.0874752485803489,"channel":0,"num_words":29,"start":1267.1749,"end":1277.7},{"sentences":[{"text":"Mhmm.","start":1277.37,"end":1277.87,"sentiment":"neutral","sentiment_score":0.10291768610477448}],"sentiment":"neutral","sentiment_score":0.10291768610477448,"channel":1,"num_words":1,"start":1277.37,"end":1277.87},{"sentences":[{"text":"for the time being, if you could possibly provide that final letter from the ATO and just let us know when the funds come back to you, that would be great.","start":1277.7,"end":1288.44,"sentiment":"positive","sentiment_score":0.4022351070757835}],"sentiment":"positive","sentiment_score":0.4022351070757835,"channel":0,"num_words":31,"start":1277.7,"end":1288.44},{"sentences":[{"text":"Yes.","start":1288.645,"end":1289.145,"sentiment":"neutral","sentiment_score":0.3281325399875641}],"sentiment":"neutral","sentiment_score":0.3281325399875641,"channel":1,"num_words":1,"start":1288.645,"end":1289.145},{"sentences":[{"text":"I'm pretty much going to research the updated portfolios, calculate the sell downs, put together that plan, and we'll have that updated chat as well.","start":1288.74,"end":1301.465,"sentiment":"neutral","sentiment_score":0.29875554621219635},{"text":"There'll be a lot of research getting done in the background for you guys, but I can basically pencil something in for early July.","start":1303.86,"end":1311.0801,"sentiment":"neutral","sentiment_score":0.17827324010431767}],"sentiment":"neutral","sentiment_score":0.2397438044450721,"channel":0,"num_words":49,"start":1288.74,"end":1311.0801},{"sentences":[{"text":"Yep.","start":1311.6749,"end":1312.1749,"sentiment":"neutral","sentiment_score":0.2425975501537323}],"sentiment":"neutral","sentiment_score":0.2425975501537323,"channel":1,"num_words":1,"start":1311.6749,"end":1312.1749},{"sentences":[{"text":"Now it shouldn't be too bad.","start":1313.62,"end":1314.74,"sentiment":"positive","sentiment_score":0.3351174493630727},{"text":"I'm I'm only taking a couple of weeks off around the first two weeks of June.","start":1314.74,"end":1320.015,"sentiment":"neutral","sentiment_score":0.24342335108667612},{"text":"So I should even be back by the end of financial year, sort of transitioning back in.","start":1320.015,"end":1324.595,"sentiment":"neutral","sentiment_score":0.24846912569859447},{"text":"And if I take any leave, I'll let you know, but Savvy's there.","start":1324.815,"end":1328.815,"sentiment":"neutral","sentiment_score":0.17027506690758926},{"text":"Larissa is there.","start":1328.815,"end":1329.775,"sentiment":"neutral","sentiment_score":0.16074729959170023}],"sentiment":"neutral","sentiment_score":0.23318674943663859,"channel":0,"num_words":55,"start":1313.62,"end":1329.775},{"sentences":[{"text":"I'm there.","start":1329.775,"end":1330.515,"sentiment":"neutral","sentiment_score":0.16828423738479614},{"text":"Someone will be able to sort of walk through this plan with you.","start":1330.81,"end":1333.55,"sentiment":"neutral","sentiment_score":0.26391792182738966},{"text":"There may be one extra quick conversation I need to have at the end of this month or early May just to clarify a few details with you guys.","start":1333.77,"end":1342.59,"sentiment":"neutral","sentiment_score":0.14757249607094403},{"text":"But other","start":1342.73,"end":1343.2101,"sentiment":"neutral","sentiment_score":0.0292794331908226}],"sentiment":"neutral","sentiment_score":0.17621005893401478,"channel":0,"num_words":46,"start":1329.775,"end":1343.2101},{"sentences":[{"text":"Mhmm.","start":1343.115,"end":1343.615,"sentiment":"neutral","sentiment_score":0.010336347855627537}],"sentiment":"neutral","sentiment_score":0.010336347855627537,"channel":1,"num_words":1,"start":1343.115,"end":1343.615},{"sentences":[{"text":"than that, I pretty much have most of what I need.","start":1343.2101,"end":1345.755,"sentiment":"neutral","sentiment_score":0.04043209705163132}],"sentiment":"neutral","sentiment_score":0.04043209705163132,"channel":0,"num_words":11,"start":1343.2101,"end":1345.755},{"sentences":[{"text":"Yep.","start":1346.555,"end":1346.9551,"sentiment":"neutral","sentiment_score":0.1416943073272705},{"text":"Okay.","start":1346.9551,"end":1347.4551,"sentiment":"neutral","sentiment_score":0.25622373819351196}],"sentiment":"neutral","sentiment_score":0.19895902276039124,"channel":1,"num_words":2,"start":1346.555,"end":1347.4551},{"sentences":[{"text":"Awesome.","start":1348.955,"end":1349.455,"sentiment":"positive","sentiment_score":0.44538164138793945},{"text":"Richard, any other questions so far or ideas that you would like to consider?","start":1350.235,"end":1353.855,"sentiment":"neutral","sentiment_score":0.2505608807717051}],"sentiment":"neutral","sentiment_score":0.263548931479454,"channel":0,"num_words":15,"start":1348.955,"end":1353.855},{"sentences":[{"text":"So it's it's about covers it, I think.","start":1356.03,"end":1359.0901,"sentiment":"neutral","sentiment_score":0.1593716060742736}],"sentiment":"neutral","sentiment_score":0.1593716060742736,"channel":1,"num_words":8,"start":1356.03,"end":1359.0901},{"sentences":[{"text":"Yep.","start":1360.3301,"end":1360.8301,"sentiment":"neutral","sentiment_score":0.1746101826429367},{"text":"What I might do too is I might just send you guys a bit of an email update with the tentative strategies that we're considering just so you know what they are.","start":1362.49,"end":1370.975,"sentiment":"neutral","sentiment_score":0.19273236626759171},{"text":"Again, the the plans can take a bit of time to kind of write them, build them, calculate","start":1371.995,"end":1375.775,"sentiment":"neutral","sentiment_score":0.13196545590957007}],"sentiment":"neutral","sentiment_score":0.17092988450153201,"channel":0,"num_words":51,"start":1360.3301,"end":1375.775},{"sentences":[{"text":"Fair","start":1375.4501,"end":1375.9501,"sentiment":"neutral","sentiment_score":0.056094519793987274}],"sentiment":"neutral","sentiment_score":0.056094519793987274,"channel":1,"num_words":1,"start":1375.4501,"end":1375.9501},{"sentences":[{"text":"them, but I'll give you a bit of a recap of this conversation.","start":1375.835,"end":1378.975,"sentiment":"neutral","sentiment_score":0.13979315299254197}],"sentiment":"neutral","sentiment_score":0.13979315299254197,"channel":0,"num_words":13,"start":1375.835,"end":1378.975},{"sentences":[{"text":"enough.","start":1380.3301,"end":1380.8301,"sentiment":"neutral","sentiment_score":0.1714959740638733}],"sentiment":"neutral","sentiment_score":0.1714959740638733,"channel":1,"num_words":1,"start":1380.3301,"end":1380.8301},{"sentences":[{"text":"Awesome.","start":1381.755,"end":1382.255,"sentiment":"positive","sentiment_score":0.40137550234794617},{"text":"Richard, did you guys receive the remediation payment okay into your account?","start":1382.53,"end":1386.39,"sentiment":"neutral","sentiment_score":0.26429475968082744}],"sentiment":"neutral","sentiment_score":0.27483943219368273,"channel":0,"num_words":13,"start":1381.755,"end":1386.39},{"sentences":[{"text":"We did.","start":1386.9701,"end":1387.37,"sentiment":"neutral","sentiment_score":0.23397954553365707},{"text":"Yes.","start":1387.37,"end":1387.6901,"sentiment":"neutral","sentiment_score":0.2984541058540344},{"text":"Thank you.","start":1387.6901,"end":1388.43,"sentiment":"positive","sentiment_score":0.46809788048267365}],"sentiment":"positive","sentiment_score":0.3405217915773392,"channel":1,"num_words":5,"start":1386.9701,"end":1388.43},{"sentences":[{"text":"Yep.","start":1388.29,"end":1388.79,"sentiment":"neutral","sentiment_score":0.28226664662361145},{"text":"No worries at all.","start":1388.85,"end":1390.07,"sentiment":"neutral","sentiment_score":0.28765998035669327},{"text":"And, look, thank you for raising it, of course, and was happy to investigate.","start":1390.21,"end":1394.53,"sentiment":"positive","sentiment_score":0.5322194972208568},{"text":"I do apologize it took the time that it did to investigate, but finding that information was, I guess, it was a good outcome.","start":1394.53,"end":1402.005,"sentiment":"positive","sentiment_score":0.39012800715863705},{"text":"Absolutely.","start":1402.005,"end":1402.505,"sentiment":"positive","sentiment_score":0.8078731298446655}],"sentiment":"positive","sentiment_score":0.43306647342714394,"channel":0,"num_words":44,"start":1388.29,"end":1402.505},{"sentences":[{"text":"All good.","start":1406.6,"end":1407.5,"sentiment":"positive","sentiment_score":0.8416447043418884}],"sentiment":"positive","sentiment_score":0.8416447043418884,"channel":1,"num_words":2,"start":1406.6,"end":1407.5},{"sentences":[{"text":"All good.","start":1408.18,"end":1409.0,"sentiment":"positive","sentiment_score":0.8024633824825287},{"text":"So is there anything else I can do for you before I let you go?","start":1409.62,"end":1412.92,"sentiment":"positive","sentiment_score":0.3813013007243474}],"sentiment":"positive","sentiment_score":0.4308497809311923,"channel":0,"num_words":17,"start":1408.18,"end":1412.92},{"sentences":[{"text":"That's all.","start":1412.76,"end":1413.4,"sentiment":"positive","sentiment_score":0.4244748502969742},{"text":"Thanks very much.","start":1413.4,"end":1414.46,"sentiment":"positive","sentiment_score":0.8433963060379028}],"sentiment":"positive","sentiment_score":0.6758277237415313,"channel":1,"num_words":5,"start":1412.76,"end":1414.46},{"sentences":[{"text":"Amazing, Richard.","start":1415.46,"end":1416.4401,"sentiment":"positive","sentiment_score":0.8200564086437225},{"text":"I will dive into it now, email you by the end of the week, and I will be in touch as soon as I can.","start":1416.66,"end":1422.375,"sentiment":"positive","sentiment_score":0.47833845257759094}],"sentiment":"positive","sentiment_score":0.5036508937676748,"channel":0,"num_words":27,"start":1415.46,"end":1422.375},{"sentences":[{"text":"Okay.","start":1423.2849,"end":1423.6849,"sentiment":"positive","sentiment_score":0.3968181014060974},{"text":"Thanks very much.","start":1423.6849,"end":1424.745,"sentiment":"positive","sentiment_score":0.7937975724538168}],"sentiment":"positive","sentiment_score":0.6945527046918869,"channel":1,"num_words":4,"start":1423.2849,"end":1424.745},{"sentences":[{"text":"Thank you, mate.","start":1425.255,"end":1425.895,"sentiment":"positive","sentiment_score":0.8291110992431641},{"text":"Have a great week, and say hi to Moshe for me.","start":1425.895,"end":1428.395,"sentiment":"positive","sentiment_score":0.7780425331809304},{"text":"Cheers, Richard.","start":1430.375,"end":1431.175,"sentiment":"positive","sentiment_score":0.6578220427036285},{"text":"Bye.","start":1431.175,"end":1431.675,"sentiment":"neutral","sentiment_score":-0.10577388852834702}],"sentiment":"positive","sentiment_score":0.7209218446822727,"channel":0,"num_words":17,"start":1425.255,"end":1431.675}]},"summary":{"result":"success","short":"A contribution strategy company representative called Richard to discuss updating his chat about his contribution strategy. They confirmed Richard's personal information and deducted his super account and transferred it to his pension account. They discussed reusing the bring-forward rule and the possibility of a pension refresh. They decided to use the 300,000 investment account for the current year and use it to pay taxes and gain a capital gain. They also discussed tax rates and retirement plans, plans to review investments in the pension accounts, and a remediation payment. They plan to focus on growth and protection, including updating the portfolio and investigating a remediation payment."},"intents":{"segments":[{"text":"I was just giving you a call. We had you booked in today just to go through that updated chat around the contribution strategy. Do I have yourself and Moshe available today?","start_word":23,"end_word":54,"intents":[{"intent":"Check contribution strategy","confidence_score":0.011933325}]},{"text":"Do I have yourself and Moshe available today?","start_word":47,"end_word":54,"intents":[{"intent":"Provide information","confidence_score":0.010903185},{"intent":"Provide service","confidence_score":0.0001863162},{"intent":"Provide information","confidence_score":0.060830396}]},{"text":"I'll basically crunch some ideas and numbers with you and then kind of do a bit of a follow-up plan if that's okay. Mhmm.","start_word":91,"end_word":114,"intents":[{"intent":"Follow-up plan","confidence_score":0.0037532886}]},{"text":"Could you please confirm your date of birth and address? 01/06/1955.","start_word":142,"end_word":152,"intents":[{"intent":"Confirm details","confidence_score":0.26329556},{"intent":"Confirm date of birth","confidence_score":0.29395422}]},{"text":"Now I'm assuming you guys were able to see the funds finally got deducted from your from the super account, the pension account. Yes.","start_word":166,"end_word":189,"intents":[{"intent":"Collect income","confidence_score":0.00006118575}]},{"text":"The next thing that they do is the ATO is going to do their little magic in the backgrounds about the associated earnings and remove the tax and basically deposit for you guys the remainder after that's Yep. been taken out. Yeah.","start_word":229,"end_word":270,"intents":[{"intent":"Discuss tax deduction","confidence_score":0.033166036}]},{"text":"Now what I wanted to sort of walk through with you a little bit as well is the reusing the bring forward rule because we're talking about getting that back Yep.","start_word":344,"end_word":374,"intents":[{"intent":"Reuse bring forward rule","confidence_score":0.6865514}]},{"text":"Now that will need to do a little bit of a pension refresh, which I'm more than happy to do. Because as you know, when you put contributions in, it goes into accumulation. We hit a button on Hub twenty four, and they can refresh it all back into the pension pretty well Yes.","start_word":382,"end_word":435,"intents":[{"intent":"Organize pension refresh","confidence_score":0.0045518554}]},{"text":"were you wanting to use when it comes to recontributing back in, did you want me to kind of crunch the numbers to see if we should get it back into yours or Mercers, or should we just do one or the other? Do you have a preference?","start_word":525,"end_word":572,"intents":[{"intent":"Recontribute to mercers","confidence_score":0.00021811883}]},{"text":"Now they've increased the non concessional cap to one thirty, so that that brings forward rule gets quite large. We're talking 390,000 now. Yeah.","start_word":604,"end_word":627,"intents":[{"intent":"Use pension cap","confidence_score":0.008263293}]},{"text":"the tax is applied to that capital gains, You gave me the the figures. Would it be taxed at 47%, or is it taxed at your normal tax? Oh, yeah.","start_word":1075,"end_word":1104,"intents":[{"intent":"Request tax rescheduling","confidence_score":0.0000010348599}]},{"text":"But that was their calculation was based on figures that they got in, I think it was November 25. Yeah.","start_word":1673,"end_word":1692,"intents":[{"intent":"Streamline funds calculation and decision-making","confidence_score":3.6512804e-10}]},{"text":"and I can essentially put together a plan in May or July. And it's really up to you guys about timing on this.","start_word":2024,"end_word":2046,"intents":[{"intent":"Discuss investment plan timing","confidence_score":0.019072557}]},{"text":"And it's really up to you guys about timing on this.","start_word":2035,"end_word":2045,"intents":[{"intent":"Confirm timing","confidence_score":0.013670273}]},{"text":"And so based on that drop in the markets, which is around about 10% in the stock market, went from 355,000 to $332,000. So that was about 20,000 down.","start_word":2207,"end_word":2235,"intents":[{"intent":"Discuss market performance","confidence_score":0.013972286}]},{"text":"I think I think the market will recover a bit Yep.","start_word":2314,"end_word":2324,"intents":[{"intent":"Discuss market recovery","confidence_score":0.20911744}]},{"text":"That gives me a bit of time to look at the investments as well because Yep. this plan is gonna be another sort of big plan talking about close down this account through these contributions.","start_word":2358,"end_word":2392,"intents":[{"intent":"Discuss investments","confidence_score":0.0034778938}]},{"text":"for example, out of the eight options that are in there, there might be one or two that we can update to be a little bit better too. We don't have to change the risk level. Just maybe switch out some fund managers if we can find a few better ones. Yep.","start_word":2466,"end_word":2517,"intents":[{"intent":"Update retirement plans","confidence_score":0.010780222}]},{"text":"And if we need to adjust the levers on risk, we can do so. But Mhmm.","start_word":2752,"end_word":2767,"intents":[{"intent":"Resolve risk adjustments","confidence_score":0.00038379637}]},{"text":"for the time being, if you could possibly provide that final letter from the ATO and just let us know when the funds come back to you, that would be great. Yes.","start_word":2767,"end_word":2798,"intents":[{"intent":"Provide final letter from ato","confidence_score":0.3157194}]},{"text":"I'm pretty much going to research the updated portfolios, calculate the sell downs, put together that plan, and we'll have that updated chat as well. There'll be a lot of research getting done in the background for you guys, but I can basically pencil something in for early July. Yep.","start_word":2799,"end_word":2848,"intents":[{"intent":"Research portfolios","confidence_score":0.5841321}]},{"text":"Yep.","start_word":2848,"end_word":2848,"intents":[{"intent":"Prepare for early july","confidence_score":0.005849837}]},{"text":"What I might do too is I might just send you guys a bit of an email update with the tentative strategies that we're considering just so you know what they are. Again, the the plans can take a bit of time to kind of write them, build them, calculate Fair them, but I'll give you a bit of a recap of this conversation. enough.","start_word":2988,"end_word":3052,"intents":[{"intent":"Consider new strategies","confidence_score":0.004260934}]},{"text":"Richard, did you guys receive the remediation payment okay into your account?","start_word":3054,"end_word":3065,"intents":[{"intent":"Review remediation payment issue","confidence_score":0.0003532068}]}]},"sentiments":{"segments":[{"text":"Hello? Good afternoon, Richard. It's No. Tommy here from. How have you been? Not too bad.","start_word":0,"end_word":15,"sentiment":"neutral","sentiment_score":0.04363729804754257},{"text":"Thanks. Great to hear. Great to hear.","start_word":16,"end_word":22,"sentiment":"positive","sentiment_score":0.5479087829589844},{"text":"I was just giving you a call. We had you booked in today just to go through that updated chat around the contribution strategy. Do I have yourself and Moshe available today? Yep. Moshe available today? Merce is going off with one of her friends. She had an appointment, so That's no I'm worries, here Richard. alone. I can go through the details with you today, mate. Yep. I'll basically crunch some ideas and numbers with you and then kind of do a bit of a follow-up plan if that's okay. Mhmm. Yep. Awesome. Just for usual process, are you okay for the call to be recorded, please, sir? Yep. Yep. Awesome. I'm registered with ASIC as Adviser 1273105. Could you please confirm your date of birth and address? 01/06/1955. That's 17 Moorea Court, Pacific Pines.","start_word":23,"end_word":158,"sentiment":"neutral","sentiment_score":0.11828014254570007},{"text":"Amazing as always. Thank you for that.","start_word":159,"end_word":165,"sentiment":"positive","sentiment_score":0.539424479007721},{"text":"Now I'm assuming you guys were able to see the funds finally got deducted from your from the super account, the pension account. Yes. It's a tech link. Yep. So usual process there is the 217,000 has gone off to the ATO, which Yep. is identical to what was in the letter for that option that we wanted to do, so that's perfect. The next thing that they do is the ATO is going to do their little magic in the backgrounds about the associated earnings and remove the tax and basically deposit for you guys the remainder after that's Yep. been taken out. Yeah. We got a got a letter from the tax office, so we get to bid over 6,006 thousand something tax. Yep. So out of the 02/17, could be around about $2.10, $2.11 that could come out net after that. Fantastic. Say Are that you? again. But So if 02/17 came out and they take six out of tax, we should be left with that $2. 10 to 11 approximately. Yeah. Yeah.","start_word":166,"end_word":340,"sentiment":"neutral","sentiment_score":0.05644810582910265},{"text":"Yep. Perfect.","start_word":341,"end_word":342,"sentiment":"positive","sentiment_score":0.5209957957267761},{"text":"Now what I wanted to sort of walk through with you a little bit as well is the reusing the bring forward rule because we're talking about getting that back Yep. in so Yep. it can be contributed.","start_word":343,"end_word":380,"sentiment":"neutral","sentiment_score":0.14061948657035828},{"text":"Now that will need to do a little bit of a pension refresh, which I'm more than happy to do.","start_word":381,"end_word":400,"sentiment":"positive","sentiment_score":0.4643648862838745},{"text":"Because as you know, when you put contributions in, it goes into accumulation. We hit a button on Hub twenty four, and they can refresh it all back into the pension pretty well Yes.","start_word":401,"end_word":434,"sentiment":"neutral","sentiment_score":0.27666184306144714},{"text":"within a couple of days of each other. And that's the easiest way to get it into super and then back into your same pension phase. I did get the email for dropping the pension payment, so thank you for organizing that.","start_word":435,"end_word":476,"sentiment":"positive","sentiment_score":0.4949052929878235},{"text":"Yep. So I'm going to I've got the team sort of ready to action that and get that dropped in time, hopefully, for the next pension payment. Just depends Mhmm. on getting possibly something signed, but we're gonna try and action it on your account. Richard, Yep. were you wanting to use when it comes to recontributing back in, did you want me to kind of crunch the numbers to see if we should get it back into yours or Mercers, or should we just do one or the other? Do you have a preference? Well, what I was what I was considering would be nurses will be available from July this this year, Correct. and mine mine won't be until July the following year. Yeah. Now they've increased the non concessional cap to one thirty, so that that brings forward rule gets quite large. We're talking 390,000 now. Yeah. Well, what I was what I was thinking was, you know, the the 300,000 investment account we have Yeah. that's The three not 40 in seven not in and the join. yeah. Yep. Yeah. I was thinking if we cash that in, so pull that out, put 300,000 of that into Mercers in July, Yeah. We'll retain the the balance. Just put that into savings to pay tax because it'll be a capital gains tax on that, I guess. Yeah. I'm going to have a quick I've got the account open now, and I'm just doing a quick dummy trade, and I'll let you know what that's looking like. So, again, so we're thinking 347 is retained approximately just to pay for for tax and things like that. Just gonna go to a full sell down and see what this looks like and estimate. Just bear with me for two seconds while it loads. So we've got a net this is just based on today's unit prices. It'll update after about 3PM, but we've got a a gross gain of 45,903. Now they're going the full estimate for the worst case scenario at 47% is 8,535. That's that's a worst case. That's 8,000. the the tax. Yeah. That's just Hub twenty four does a calculation where they just estimate it at the highest rate, and they basically say if it's a full gain minus any losses and discounts and things Yeah. like that, they've applied some CGT discounts. It's a net capital gain of $18.01 $5.09 Yeah. and then 47% of that, 8,535. Yeah. That's the possible. Yeah. Well, I was I think the the easiest for us would be just to to take the 300,000 of that, Yeah. roll it into Mercers' pension fund. Mhmm. And whatever's left over after tax, we'll just keep in savings plus the $210,211. The tax office will put back into our savings account. We'll just hang on to that for for another twelve months, Yep. and then I'll add into my pension. That's And following July financial year in 2728. yeah. Yep. Now one thing that may be possible, and I'm just gonna say a big maybe here because I wanna be very careful with it, is if we do any kind of concessional contributions to reduce the tax, get a bit more in and reduce that, but actually do that notice of intent to claim kind of thing. Do you want me to consider that, or would it be easier just to do this two step approach? I thought maybe we just do the two separate. Yep. No. Yeah.","start_word":477,"end_word":1063,"sentiment":"neutral","sentiment_score":0.07121566214695496},{"text":"That's easy done.","start_word":1064,"end_word":1066,"sentiment":"positive","sentiment_score":0.4669327735900879},{"text":"And and just to inquire how Yeah. the tax is applied to that capital gains, You gave me the the figures. Would it be taxed at 47%, or is it taxed at your normal tax? Oh, yeah. Yeah. It Tax should be under your your marginal rate. So rates. because Hub twenty four's online system just assumes the worst case scenario, they do Yeah. the Yeah. maximum, but it's based on all it is essentially is that gain gets added for that financial year. So if we sell it now, gets added to your income split, of course, for this financial year, and then marginal rate comes off of that minus that 50% CGT discount as long as everything's been held for more than a year and so on. So, again, that's worst case. It should be a bit less than that. No. I I would think that it would split fifty fifty, and this would have no other income. So it's 18,018 thousand 200 tax free. She would only pay 15% on a couple of thousand dollars, wouldn't she? Possibly even less because from what I'm looking at let's just have a look at that element. So if the discount's applied, you're left over with a net capital gain of $18.01 $5.09. And then if that's split $50.50, then really $9 gets applied to each of you. Right. So she wouldn't pay any tax?","start_word":1067,"end_word":1301,"sentiment":"neutral","sentiment_score":0.019187014549970627},{"text":"No.","start_word":1302,"end_word":1302,"sentiment":"negative","sentiment_score":-0.3901104629039765},{"text":"Unless you've Mhmm. got some other income that's No. happened in the background there on top.","start_word":1303,"end_word":1318,"sentiment":"neutral","sentiment_score":-0.24392610788345337},{"text":"No. Nothing really.","start_word":1319,"end_word":1321,"sentiment":"negative","sentiment_score":-0.38344594836235046},{"text":"A little bit a little bit of interest on a on a savings account. The I banks mean haven't given you a 20% interest rate or something as a loyalty discount, have they? no. No. We just we get 4.8, I think. 4.8% if we continue depositing money into the account. Yeah. And whatever goes in there for the next couple of months once all of this, let's say, gets deposited in there from the sell down of the investment accounts, from the withdrawal of pension for the taxes, the interest that that earns for a couple of months won't be too much. It'll No. be a No. little bit, but not too much. No. No. So and in in my case, I have a DFIDB pension from a military service Yeah. that is taxed. So it would be added my my portion of the capital gains would be added to my DFIDB. So I would have a bit a bit of tax to pay, not not a great deal. Yeah. They don't have you too high on that that defense pension. They're not pushing you into really high brackets, are they? No. No. I spent 25,000 a year like it. K. So that was a little bit of interest with those amounts on top. Yeah. I mean, even after the tax free threshold, you basically only really save a couple of percent by doing anything concessionally because you've got the Medicare levy on top. So it's really not too worth it to try and save two or 3% to try No. and minimize No.","start_word":1322,"end_word":1586,"sentiment":"neutral","sentiment_score":-0.03642311319708824},{"text":"No.","start_word":1587,"end_word":1587,"sentiment":"negative","sentiment_score":-0.3744121789932251},{"text":"yours. We'll just no. We'll just pay the pay the tax and because this is not gonna happen until July year. So we won't be, like, taxed until the following year anyway. So it's it's gonna Yeah.","start_word":1588,"end_word":1624,"sentiment":"neutral","sentiment_score":-0.2520609498023987},{"text":"be a long way off.","start_word":1625,"end_word":1629,"sentiment":"negative","sentiment_score":-0.3684661090373993},{"text":"And One if question it's okay I with did one yeah. question Go for it. I did have. Now that tax office has secured this money and they'll take the tax that they that they Sort of recalculated. they calculated. Yeah. But that was their calculation was based on figures that they got in, I think it was November 25. Yeah. You know, from from that date to now, basically, another year, that extra money in the account has accumulated some interest. Are they gonna come after more tax on No. They they tend to basically that? just do a bit of a a cutoff date. And once the funds are released, they do their calculation. They add that on to that tax assessment from previously. They just try and keep their calculations pretty clean. They chop a date, say estimated earnings of x, y, and z. They do their calculation, add it, chop the tax off. They don't kind of keep trying to bite back at the apple multiple times. They try and have a a bit of a chop date. And they would also kind of base it on any information given from the Superfund to them. So their team packages it all up, finalizes everything, and that's why you get those letters to kind of say, okay. It's looking like x, y, and z rather than them saying, oh, and then also we've called the super funder after Mhmm. this letter, and we've got more information about more interest, and they don't tend to do that.","start_word":1630,"end_word":1888,"sentiment":"neutral","sentiment_score":-0.03001078379315299},{"text":"It'd be quite rude if they did.","start_word":1889,"end_word":1895,"sentiment":"negative","sentiment_score":-0.5663873553276062},{"text":"Well, it it wouldn't surprise me if they did because Yeah. You're right. anyway. Yeah. Yeah. So anyway, that's I think that's probably the best way for us to to to do it with, like I say, take the 300,000 from that investment account, roll that over in the Mercer Super Yeah. in July in July. And we'll keep whatever we've whatever is left over. We'll just keep in savings until the following July and put it into mine.","start_word":1896,"end_word":1974,"sentiment":"neutral","sentiment_score":0.08301818370819092},{"text":"It should Thank be you.","start_word":1975,"end_word":1979,"sentiment":"positive","sentiment_score":0.49338480830192566},{"text":"it should be coming close to the 300 another 300,000. One thing that I wanna sort of clarify with you too is just in terms of timing for all of this. So I'll be going away in June on paternity leave, Mhmm. and I can essentially put together a plan in May or July. And it's really up to you guys about timing on this. So what I mean is, do we put together a plan now for the sell down and recontribution of the investment account over the next few weeks and base it on today's figures, balances, and returns? Or because we can contribute in next financial year, do you wanna sort of see if there's a bit of a bounce back in the markets for a couple of months and do it in July, August? What would be your preference? Well, the the contribution versus contribution won't be eligible until July. Like, her three year is comes up in July or at the June Yeah. this year. So And one thing that may help you decide here, and this is just based on what's going on in the world at the moment, That investment account that we're looking to sell down on the January 30 was sitting at 355,000, Yep. and then that's when you had the market tumble for February and March. And so based on that drop in the markets, which is around about 10% in the stock market, went from 355,000 to $332,000. So that was about 20,000 down. And then in the last couple of weeks, it's bounced back from $3.32 to $3.47. So 20 down, 15 up. That's Yeah. the kind of volatility that's happening on a fortnightly to monthly basis. So it's about, do we chop it clean over the next couple of weeks now, or do we let it kind of fluctuate and try to grow in between now when we can actually make the transaction? I'll be inclined to leave it grow. I think I think the market will recover a bit Yep. yet once bloody Trump sorts. I ran here. Yeah. When the oil starts flowing again, the market should recover some Yeah. yet. So, yeah, let it ride till, you know, towards June. Yep. That gives me a bit of time to look at the investments as well because Yep. this plan is gonna be another sort of big plan talking about close down this account through these contributions. Once we have the amounts that you've gotten net from the tax office, we can add that in for that following financial year. What I can do because I'm gonna have to get the money into super and pension refresh it, that'll be a strategy as well to get it back into pension phase. Yep. I can use that same opportunity to review some of the investments in the pension accounts. So Yep. for example, out of the eight options that are in there, there might be one or two that we can update to be a little bit better too. We don't have to change the risk level. Just maybe switch out some fund managers if we can find a few better ones. Yep. K.","start_word":1980,"end_word":2517,"sentiment":"neutral","sentiment_score":0.05709039542796333},{"text":"Seems good.","start_word":2518,"end_word":2519,"sentiment":"positive","sentiment_score":0.46927085518836975},{"text":"K. So I'll call it a portfolio review. Would you like me to do that to both accounts, both pension accounts, and just make sure they're both up to date? Yeah. Yeah. Yep.","start_word":2520,"end_word":2552,"sentiment":"neutral","sentiment_score":0.17667187750339508},{"text":"That's fine.","start_word":2553,"end_word":2554,"sentiment":"positive","sentiment_score":0.3499577045440674},{"text":"Yep. And risk level wise, your pension accounts are sitting at around about just under 30% in defensive assets and about 70% in growth assets. So kind of like a a three out of five on the risk scale. Are you okay to maintain that level, keep getting those pension payments out and focusing a bit more on growth and protection, or do you wanna look at maybe making it a bit safer? Okay. No. I think it's been performing pretty well. Yep. As is. It's it's a time game, unfortunately, where Yeah. over a five to seven year period, it'll continue to perform pretty well. It's just that when these types of events happen, it can have that those fluctuations in the short term as long as you're not you know, market goes down 15% and you try and pull out $200,000, that sequencing risk can be really brutal. But if you're okay to just have those little pension deductions and space it out over the years, it's not too bad. Yeah. Yeah. Well, just just carry on, I think. K. Because we'll put together this updated plan, like, we'll obviously have another discussion. And if we need to adjust the levers on risk, we can do so. But Mhmm.","start_word":2555,"end_word":2765,"sentiment":"neutral","sentiment_score":0.10631504887935676},{"text":"for the time being, if you could possibly provide that final letter from the ATO and just let us know when the funds come back to you, that would be great.","start_word":2766,"end_word":2796,"sentiment":"positive","sentiment_score":0.40101972222328186},{"text":"Yes. I'm pretty much going to research the updated portfolios, calculate the sell downs, put together that plan, and we'll have that updated chat as well. There'll be a lot of research getting done in the background for you guys, but I can basically pencil something in for early July. Yep.","start_word":2797,"end_word":2847,"sentiment":"neutral","sentiment_score":0.24596498906612396},{"text":"Now it shouldn't be too bad.","start_word":2848,"end_word":2853,"sentiment":"positive","sentiment_score":0.34443002939224243},{"text":"I'm I'm only taking a couple of weeks off around the first two weeks of June. So I should even be back by the end of financial year, sort of transitioning back in. And if I take any leave, I'll let you know, but Savvy's there. Larissa is there. I'm there. Someone will be able to sort of walk through this plan with you. There may be one extra quick conversation I need to have at the end of this month or early May just to clarify a few details with you guys. But other Mhmm. than that, I pretty much have most of what I need. Yep. Okay.","start_word":2854,"end_word":2962,"sentiment":"neutral","sentiment_score":0.18103495240211487},{"text":"Awesome.","start_word":2963,"end_word":2963,"sentiment":"positive","sentiment_score":0.44538164138793945},{"text":"Richard, any other questions so far or ideas that you would like to consider? So it's it's about covers it, I think. Yep. What I might do too is I might just send you guys a bit of an email update with the tentative strategies that we're considering just so you know what they are. Again, the the plans can take a bit of time to kind of write them, build them, calculate Fair them, but I'll give you a bit of a recap of this conversation. enough.","start_word":2964,"end_word":3051,"sentiment":"neutral","sentiment_score":0.17337380349636078},{"text":"Awesome.","start_word":3052,"end_word":3052,"sentiment":"positive","sentiment_score":0.40137550234794617},{"text":"Richard, did you guys receive the remediation payment okay into your account? We did. Yes.","start_word":3053,"end_word":3067,"sentiment":"neutral","sentiment_score":0.2597893178462982},{"text":"Thank you.","start_word":3068,"end_word":3069,"sentiment":"positive","sentiment_score":0.4526960849761963},{"text":"Yep. No worries at all.","start_word":3070,"end_word":3074,"sentiment":"neutral","sentiment_score":0.28763216733932495},{"text":"And, look, thank you for raising it, of course, and was happy to investigate. I do apologize it took the time that it did to investigate, but finding that information was, I guess, it was a good outcome. Absolutely. All good. All good. So is there anything else I can do for you before I let you go? That's all. Thanks very much. Amazing, Richard. I will dive into it now, email you by the end of the week, and I will be in touch as soon as I can. Okay. Thanks very much. Thank you, mate. Have a great week, and say hi to Moshe for me. Cheers, Richard. Bye.","start_word":3075,"end_word":3185,"sentiment":"positive","sentiment_score":0.5469955479776537}],"average":{"sentiment":"neutral","sentiment_score":0.0885760512142754}}}}