{"version":"1.0.0","segments":[{"speaker":"Speaker 1","startTime":2.855,"endTime":3.345,"body":"Welcome "},{"speaker":"Speaker 1","startTime":3.565,"endTime":3.785,"body":"to "},{"speaker":"Speaker 1","startTime":3.815,"endTime":4.105,"body":"Real "},{"speaker":"Speaker 1","startTime":4.385,"endTime":4.385,"body":"Money "},{"speaker":"Speaker 1","startTime":4.495,"endTime":4.785,"body":"Real "},{"speaker":"Speaker 1","startTime":4.855,"endTime":5.345,"body":"Experts, "},{"speaker":"Speaker 1","startTime":5.785,"endTime":5.905,"body":"a "},{"speaker":"Speaker 1","startTime":5.906,"endTime":6.144,"body":"podcast "},{"speaker":"Speaker 1","startTime":6.745,"endTime":6.745,"body":"where "},{"speaker":"Speaker 1","startTime":6.746,"endTime":7.065,"body":"leading "},{"speaker":"Speaker 1","startTime":7.135,"endTime":7.745,"body":"financial "},{"speaker":"Speaker 1","startTime":7.746,"endTime":8.265,"body":"counseling "},{"speaker":"Speaker 1","startTime":8.285,"endTime":8.505,"body":"and "},{"speaker":"Speaker 1","startTime":8.825,"endTime":8.945,"body":"coaching "},{"speaker":"Speaker 1","startTime":8.946,"endTime":9.345,"body":"experts "},{"speaker":"Speaker 1","startTime":9.435,"endTime":9.785,"body":"share "},{"speaker":"Speaker 1","startTime":9.786,"endTime":9.985,"body":"their "},{"speaker":"Speaker 1","startTime":9.986,"endTime":10.345,"body":"stories, "},{"speaker":"Speaker 1","startTime":10.595,"endTime":10.945,"body":"their "},{"speaker":"Speaker 1","startTime":11.265,"endTime":11.545,"body":"challenges, "},{"speaker":"Speaker 1","startTime":11.685,"endTime":11.905,"body":"and "},{"speaker":"Speaker 1","startTime":11.906,"endTime":12.065,"body":"their "},{"speaker":"Speaker 1","startTime":12.066,"endTime":12.425,"body":"advice "},{"speaker":"Speaker 1","startTime":12.525,"endTime":12.744,"body":"for "},{"speaker":"Speaker 1","startTime":12.745,"endTime":12.985,"body":"helping "},{"speaker":"Speaker 1","startTime":12.986,"endTime":13.345,"body":"people "},{"speaker":"Speaker 1","startTime":13.405,"endTime":13.825,"body":"manage "},{"speaker":"Speaker 1","startTime":13.826,"endTime":14.105,"body":"money "},{"speaker":"Speaker 1","startTime":14.385,"endTime":14.385,"body":"in "},{"speaker":"Speaker 1","startTime":14.386,"endTime":14.585,"body":"the "},{"speaker":"Speaker 1","startTime":14.586,"endTime":14.865,"body":"real "},{"speaker":"Speaker 1","startTime":14.866,"endTime":15.145,"body":"world. "},{"speaker":"Speaker 1","startTime":15.765,"endTime":15.985,"body":"I'm "},{"speaker":"Speaker 1","startTime":15.986,"endTime":16.105,"body":"your "},{"speaker":"Speaker 1","startTime":16.106,"endTime":16.345,"body":"host, "},{"speaker":"Speaker 1","startTime":16.485,"endTime":16.905,"body":"Rachel "},{"speaker":"Speaker 1","startTime":17.265,"endTime":17.265,"body":"De "},{"speaker":"Speaker 1","startTime":17.385,"endTime":17.385,"body":"Leon "},{"speaker":"Speaker 1","startTime":17.385,"endTime":17.385,"body":", "},{"speaker":"Speaker 1","startTime":17.895,"endTime":18.505,"body":"executive "},{"speaker":"Speaker 1","startTime":18.945,"endTime":19.105,"body":"Director "},{"speaker":"Speaker 1","startTime":19.165,"endTime":19.385,"body":"of "},{"speaker":"Speaker 1","startTime":19.505,"endTime":19.665,"body":"the "},{"speaker":"Speaker 1","startTime":19.666,"endTime":20.345,"body":"Association "},{"speaker":"Speaker 1","startTime":20.525,"endTime":20.745,"body":"for "},{"speaker":"Speaker 1","startTime":20.746,"endTime":21.345,"body":"Financial "},{"speaker":"Speaker 1","startTime":21.346,"endTime":21.864,"body":"Counseling "},{"speaker":"Speaker 1","startTime":21.885,"endTime":22.105,"body":"and "},{"speaker":"Speaker 1","startTime":22.265,"endTime":22.385,"body":"Planning "},{"speaker":"Speaker 1","startTime":22.454,"endTime":23.065,"body":"Education "},{"speaker":"Speaker 1","startTime":23.325,"endTime":23.545,"body":"for "},{"speaker":"Speaker 1","startTime":23.745,"endTime":24.785,"body":"A-F-C-P-E. "},{"speaker":"Speaker 2","startTime":24.965,"endTime":25.185,"body":"And "},{"speaker":"Speaker 2","startTime":25.186,"endTime":25.385,"body":"I'm "},{"speaker":"Speaker 2","startTime":25.386,"endTime":25.505,"body":"your "},{"speaker":"Speaker 2","startTime":25.535,"endTime":26.025,"body":"co-host, "},{"speaker":"Speaker 2","startTime":26.045,"endTime":26.905,"body":"Dr. "},{"speaker":"Speaker 2","startTime":26.905,"endTime":26.905,"body":"Mary "},{"speaker":"Speaker 2","startTime":26.905,"endTime":26.905,"body":"Bell "},{"speaker":"Speaker 2","startTime":27.425,"endTime":27.425,"body":"Carlson "},{"speaker":"Speaker 2","startTime":27.425,"endTime":27.425,"body":", "},{"speaker":"Speaker 2","startTime":27.565,"endTime":27.785,"body":"an "},{"speaker":"Speaker 2","startTime":27.985,"endTime":28.345,"body":"accredited "},{"speaker":"Speaker 2","startTime":28.346,"endTime":28.865,"body":"financial "},{"speaker":"Speaker 2","startTime":28.866,"endTime":29.305,"body":"counselor, "},{"speaker":"Speaker 2","startTime":29.445,"endTime":29.665,"body":"or "},{"speaker":"Speaker 2","startTime":29.785,"endTime":30.305,"body":"AFC "},{"speaker":"Speaker 2","startTime":30.805,"endTime":31.025,"body":"and "},{"speaker":"Speaker 2","startTime":31.125,"endTime":31.345,"body":"the "},{"speaker":"Speaker 2","startTime":31.346,"endTime":31.785,"body":"President "},{"speaker":"Speaker 2","startTime":31.805,"endTime":32.025,"body":"of "},{"speaker":"Speaker 2","startTime":32.026,"endTime":32.545,"body":"Financial "},{"speaker":"Speaker 2","startTime":32.745,"endTime":32.905,"body":"Behavior "},{"speaker":"Speaker 2","startTime":32.906,"endTime":33.305,"body":"Keynote "},{"speaker":"Speaker 2","startTime":33.315,"endTime":33.665,"body":"Group. "},{"speaker":"Speaker 2","startTime":34.315,"endTime":34.665,"body":"Every "},{"speaker":"Speaker 2","startTime":34.666,"endTime":35.145,"body":"episode, "},{"speaker":"Speaker 2","startTime":35.275,"endTime":35.625,"body":"we're "},{"speaker":"Speaker 2","startTime":35.626,"endTime":35.705,"body":"taking "},{"speaker":"Speaker 2","startTime":35.865,"endTime":35.985,"body":"a "},{"speaker":"Speaker 2","startTime":35.986,"endTime":36.225,"body":"deep "},{"speaker":"Speaker 2","startTime":36.505,"endTime":36.505,"body":"dive "},{"speaker":"Speaker 2","startTime":36.604,"endTime":36.825,"body":"in "},{"speaker":"Speaker 2","startTime":36.826,"endTime":37.025,"body":"the "},{"speaker":"Speaker 2","startTime":37.026,"endTime":37.305,"body":"topics "},{"speaker":"Speaker 2","startTime":37.455,"endTime":37.745,"body":"that "},{"speaker":"Speaker 2","startTime":38.025,"endTime":38.185,"body":"personal "},{"speaker":"Speaker 2","startTime":38.625,"endTime":38.625,"body":"finance "},{"speaker":"Speaker 2","startTime":38.626,"endTime":39.345,"body":"professionals "},{"speaker":"Speaker 2","startTime":39.575,"endTime":39.865,"body":"care "},{"speaker":"Speaker 2","startTime":39.866,"endTime":40.145,"body":"about, "},{"speaker":"Speaker 2","startTime":40.146,"endTime":40.625,"body":"helping "},{"speaker":"Speaker 2","startTime":40.626,"endTime":41.065,"body":"clients, "},{"speaker":"Speaker 2","startTime":41.665,"endTime":41.745,"body":"building "},{"speaker":"Speaker 2","startTime":41.746,"endTime":42.345,"body":"community, "},{"speaker":"Speaker 2","startTime":42.645,"endTime":42.865,"body":"and "},{"speaker":"Speaker 2","startTime":42.895,"endTime":43.185,"body":"your "},{"speaker":"Speaker 2","startTime":43.186,"endTime":43.825,"body":"professional "},{"speaker":"Speaker 2","startTime":43.826,"endTime":44.104,"body":"growth. "},{"speaker":"Speaker 2","startTime":45.255,"endTime":45.545,"body":"John "},{"speaker":"Speaker 2","startTime":45.705,"endTime":46.265,"body":"McNamara "},{"speaker":"Speaker 2","startTime":46.445,"endTime":46.665,"body":"is "},{"speaker":"Speaker 2","startTime":46.666,"endTime":46.825,"body":"the "},{"speaker":"Speaker 2","startTime":46.826,"endTime":47.225,"body":"principal "},{"speaker":"Speaker 2","startTime":47.255,"endTime":47.865,"body":"assistant "},{"speaker":"Speaker 2","startTime":48.225,"endTime":48.385,"body":"director "},{"speaker":"Speaker 2","startTime":48.386,"endTime":48.545,"body":"of "},{"speaker":"Speaker 2","startTime":48.546,"endTime":48.865,"body":"markets "},{"speaker":"Speaker 2","startTime":49.085,"endTime":49.305,"body":"and "},{"speaker":"Speaker 2","startTime":49.306,"endTime":49.465,"body":"the "},{"speaker":"Speaker 2","startTime":49.466,"endTime":49.905,"body":"assistant "},{"speaker":"Speaker 2","startTime":50.265,"endTime":50.345,"body":"director "},{"speaker":"Speaker 2","startTime":50.485,"endTime":50.705,"body":"for "},{"speaker":"Speaker 2","startTime":50.945,"endTime":51.104,"body":"consumer "},{"speaker":"Speaker 2","startTime":51.205,"endTime":51.625,"body":"credit "},{"speaker":"Speaker 2","startTime":51.784,"endTime":52.345,"body":"payments "},{"speaker":"Speaker 2","startTime":52.346,"endTime":52.545,"body":"and "},{"speaker":"Speaker 2","startTime":52.546,"endTime":52.865,"body":"deposit "},{"speaker":"Speaker 2","startTime":52.866,"endTime":53.225,"body":"markets "},{"speaker":"Speaker 2","startTime":53.585,"endTime":53.585,"body":"in "},{"speaker":"Speaker 2","startTime":53.945,"endTime":54.105,"body":"research "},{"speaker":"Speaker 2","startTime":54.215,"endTime":54.705,"body":"markets "},{"speaker":"Speaker 2","startTime":54.845,"endTime":55.065,"body":"and "},{"speaker":"Speaker 2","startTime":55.215,"endTime":55.905,"body":"regulations. "},{"speaker":"Speaker 2","startTime":56.145,"endTime":56.305,"body":"Division "},{"speaker":"Speaker 2","startTime":56.485,"endTime":56.705,"body":"of "},{"speaker":"Speaker 2","startTime":56.825,"endTime":56.985,"body":"the "},{"speaker":"Speaker 2","startTime":57.145,"endTime":57.265,"body":"Consumer "},{"speaker":"Speaker 2","startTime":57.335,"endTime":57.945,"body":"Financial "},{"speaker":"Speaker 2","startTime":57.946,"endTime":58.465,"body":"Protection "},{"speaker":"Speaker 2","startTime":58.466,"endTime":58.705,"body":"Bureau. "},{"speaker":"Speaker 2","startTime":59.125,"endTime":59.345,"body":"He "},{"speaker":"Speaker 2","startTime":59.355,"endTime":59.705,"body":"leads "},{"speaker":"Speaker 2","startTime":59.825,"endTime":59.945,"body":"a "},{"speaker":"Speaker 2","startTime":59.946,"endTime":60.145,"body":"team "},{"speaker":"Speaker 2","startTime":60.146,"endTime":60.305,"body":"of "},{"speaker":"Speaker 2","startTime":60.306,"endTime":60.585,"body":"subject "},{"speaker":"Speaker 2","startTime":60.586,"endTime":60.945,"body":"matter "},{"speaker":"Speaker 2","startTime":60.946,"endTime":61.425,"body":"experts "},{"speaker":"Speaker 2","startTime":61.565,"endTime":61.785,"body":"and "},{"speaker":"Speaker 2","startTime":61.865,"endTime":62.425,"body":"analysts "},{"speaker":"Speaker 2","startTime":62.785,"endTime":62.945,"body":"covering "},{"speaker":"Speaker 2","startTime":62.946,"endTime":63.345,"body":"credit "},{"speaker":"Speaker 2","startTime":63.346,"endTime":63.665,"body":"cards, "},{"speaker":"Speaker 2","startTime":63.905,"endTime":64.465,"body":"payments, "},{"speaker":"Speaker 2","startTime":64.825,"endTime":65.385,"body":"deposits, "},{"speaker":"Speaker 2","startTime":65.495,"endTime":65.985,"body":"student "},{"speaker":"Speaker 2","startTime":65.986,"endTime":66.305,"body":"loans, "},{"speaker":"Speaker 2","startTime":66.694,"endTime":66.985,"body":"auto, "},{"speaker":"Speaker 2","startTime":67.315,"endTime":67.665,"body":"small "},{"speaker":"Speaker 2","startTime":67.944,"endTime":67.944,"body":"dollar "},{"speaker":"Speaker 2","startTime":67.945,"endTime":68.625,"body":"marketplace, "},{"speaker":"Speaker 2","startTime":68.765,"endTime":68.985,"body":"and "},{"speaker":"Speaker 2","startTime":68.986,"endTime":69.505,"body":"installment "},{"speaker":"Speaker 2","startTime":69.506,"endTime":69.745,"body":"lending "},{"speaker":"Speaker 2","startTime":69.746,"endTime":70.105,"body":"markets, "},{"speaker":"Speaker 2","startTime":70.805,"endTime":71.025,"body":"as "},{"speaker":"Speaker 2","startTime":71.135,"endTime":71.425,"body":"well "},{"speaker":"Speaker 2","startTime":71.485,"endTime":71.705,"body":"as "},{"speaker":"Speaker 2","startTime":71.725,"endTime":72.145,"body":"credit "},{"speaker":"Speaker 2","startTime":72.146,"endTime":72.705,"body":"reporting, "},{"speaker":"Speaker 2","startTime":72.735,"endTime":73.025,"body":"debt "},{"speaker":"Speaker 2","startTime":73.425,"endTime":73.865,"body":"consolidation, "},{"speaker":"Speaker 2","startTime":73.975,"endTime":74.265,"body":"debt "},{"speaker":"Speaker 2","startTime":74.266,"endTime":74.665,"body":"relief, "},{"speaker":"Speaker 2","startTime":75.065,"endTime":75.385,"body":"FinTech, "},{"speaker":"Speaker 2","startTime":75.405,"endTime":75.625,"body":"and "},{"speaker":"Speaker 2","startTime":75.626,"endTime":75.745,"body":"the "},{"speaker":"Speaker 2","startTime":75.865,"endTime":76.065,"body":"use "},{"speaker":"Speaker 2","startTime":76.066,"endTime":76.225,"body":"of "},{"speaker":"Speaker 2","startTime":76.505,"endTime":76.865,"body":"artificial "},{"speaker":"Speaker 2","startTime":76.866,"endTime":77.425,"body":"intelligence "},{"speaker":"Speaker 2","startTime":77.444,"endTime":77.665,"body":"and "},{"speaker":"Speaker 2","startTime":77.666,"endTime":77.985,"body":"machine "},{"speaker":"Speaker 2","startTime":78.145,"endTime":78.265,"body":"learning "},{"speaker":"Speaker 2","startTime":78.665,"endTime":78.665,"body":"in "},{"speaker":"Speaker 2","startTime":78.905,"endTime":79.025,"body":"consumer "},{"speaker":"Speaker 2","startTime":79.026,"endTime":79.584,"body":"financial "},{"speaker":"Speaker 2","startTime":79.785,"endTime":79.905,"body":"services. "},{"speaker":"Speaker 2","startTime":80.605,"endTime":80.825,"body":"He "},{"speaker":"Speaker 2","startTime":80.826,"endTime":81.105,"body":"also "},{"speaker":"Speaker 2","startTime":81.135,"endTime":81.625,"body":"manages "},{"speaker":"Speaker 2","startTime":81.626,"endTime":81.944,"body":"budget, "},{"speaker":"Speaker 2","startTime":82.145,"endTime":82.705,"body":"staffing "},{"speaker":"Speaker 2","startTime":82.706,"endTime":82.905,"body":"and "},{"speaker":"Speaker 2","startTime":82.906,"endTime":83.545,"body":"administration "},{"speaker":"Speaker 2","startTime":83.685,"endTime":83.905,"body":"of "},{"speaker":"Speaker 2","startTime":83.906,"endTime":84.025,"body":"the "},{"speaker":"Speaker 2","startTime":84.026,"endTime":84.545,"body":"Bureau's "},{"speaker":"Speaker 2","startTime":84.705,"endTime":84.705,"body":"Markets "},{"speaker":"Speaker 2","startTime":84.845,"endTime":85.265,"body":"office. "},{"speaker":"Speaker 2","startTime":86.015,"endTime":86.305,"body":"John "},{"speaker":"Speaker 2","startTime":86.325,"endTime":86.545,"body":"is "},{"speaker":"Speaker 2","startTime":86.584,"endTime":86.705,"body":"a "},{"speaker":"Speaker 2","startTime":86.905,"endTime":86.944,"body":"frequent "},{"speaker":"Speaker 2","startTime":86.945,"endTime":87.305,"body":"speaker, "},{"speaker":"Speaker 2","startTime":87.705,"endTime":88.025,"body":"panelists, "},{"speaker":"Speaker 2","startTime":88.026,"endTime":88.625,"body":"consultant, "},{"speaker":"Speaker 2","startTime":88.805,"endTime":89.025,"body":"and "},{"speaker":"Speaker 2","startTime":89.026,"endTime":89.345,"body":"author "},{"speaker":"Speaker 2","startTime":89.675,"endTime":90.345,"body":"addressing "},{"speaker":"Speaker 2","startTime":90.405,"endTime":90.625,"body":"key "},{"speaker":"Speaker 2","startTime":90.626,"endTime":91.025,"body":"issues "},{"speaker":"Speaker 2","startTime":91.345,"endTime":91.345,"body":"and "},{"speaker":"Speaker 2","startTime":91.346,"endTime":91.705,"body":"trends "},{"speaker":"Speaker 2","startTime":91.725,"endTime":91.944,"body":"in "},{"speaker":"Speaker 2","startTime":91.945,"endTime":92.065,"body":"the "},{"speaker":"Speaker 2","startTime":92.066,"endTime":92.505,"body":"financial "},{"speaker":"Speaker 2","startTime":92.705,"endTime":92.825,"body":"services "},{"speaker":"Speaker 2","startTime":93.185,"endTime":93.265,"body":"industry. "},{"speaker":"Speaker 2","startTime":93.405,"endTime":93.625,"body":"And "},{"speaker":"Speaker 2","startTime":93.626,"endTime":93.745,"body":"we "},{"speaker":"Speaker 2","startTime":93.746,"endTime":93.905,"body":"are "},{"speaker":"Speaker 2","startTime":94.305,"endTime":94.385,"body":"thrilled "},{"speaker":"Speaker 2","startTime":94.386,"endTime":94.584,"body":"to "},{"speaker":"Speaker 2","startTime":94.585,"endTime":94.705,"body":"have "},{"speaker":"Speaker 2","startTime":94.706,"endTime":94.865,"body":"him "},{"speaker":"Speaker 2","startTime":94.866,"endTime":95.145,"body":"joining "},{"speaker":"Speaker 2","startTime":95.165,"endTime":95.385,"body":"us "},{"speaker":"Speaker 2","startTime":95.525,"endTime":95.745,"body":"as "},{"speaker":"Speaker 2","startTime":95.785,"endTime":95.905,"body":"a "},{"speaker":"Speaker 2","startTime":95.906,"endTime":96.065,"body":"keynote "},{"speaker":"Speaker 2","startTime":96.066,"endTime":96.505,"body":"speaker "},{"speaker":"Speaker 2","startTime":96.506,"endTime":96.785,"body":"this "},{"speaker":"Speaker 2","startTime":96.786,"endTime":96.944,"body":"year "},{"speaker":"Speaker 2","startTime":97.005,"endTime":97.225,"body":"at "},{"speaker":"Speaker 2","startTime":97.405,"endTime":97.625,"body":"AF "},{"speaker":"Speaker 2","startTime":98.265,"endTime":98.265,"body":"CPE's "},{"speaker":"Speaker 2","startTime":98.266,"endTime":98.785,"body":"Symposium. "},{"speaker":"Speaker 2","startTime":98.786,"endTime":99.145,"body":"Thanks "},{"speaker":"Speaker 2","startTime":99.146,"endTime":99.305,"body":"for "},{"speaker":"Speaker 2","startTime":99.306,"endTime":99.545,"body":"joining "},{"speaker":"Speaker 2","startTime":99.546,"endTime":99.705,"body":"us "},{"speaker":"Speaker 2","startTime":99.706,"endTime":100.025,"body":"today, "},{"speaker":"Speaker 2","startTime":100.265,"endTime":100.265,"body":"John "},{"speaker":"Speaker 2","startTime":100.265,"endTime":100.265,"body":". "},{"speaker":"Speaker 3","startTime":100.584,"endTime":100.584,"body":"Oh "},{"speaker":"Speaker 3","startTime":100.584,"endTime":100.584,"body":", "},{"speaker":"Speaker 3","startTime":100.585,"endTime":100.825,"body":"it's "},{"speaker":"Speaker 3","startTime":100.826,"endTime":100.905,"body":"my "},{"speaker":"Speaker 3","startTime":101.105,"endTime":101.185,"body":"pleasure. "},{"speaker":"Speaker 3","startTime":101.186,"endTime":101.385,"body":"Thanks "},{"speaker":"Speaker 3","startTime":101.386,"endTime":101.545,"body":"for "},{"speaker":"Speaker 3","startTime":101.546,"endTime":101.665,"body":"having "},{"speaker":"Speaker 3","startTime":101.666,"endTime":101.865,"body":"me, "},{"speaker":"Speaker 1","startTime":102.265,"endTime":102.265,"body":"John "},{"speaker":"Speaker 1","startTime":102.265,"endTime":102.265,"body":". "},{"speaker":"Speaker 1","startTime":102.266,"endTime":102.584,"body":"We're "},{"speaker":"Speaker 1","startTime":102.585,"endTime":102.665,"body":"so "},{"speaker":"Speaker 1","startTime":102.666,"endTime":102.905,"body":"glad "},{"speaker":"Speaker 1","startTime":102.906,"endTime":103.065,"body":"to "},{"speaker":"Speaker 1","startTime":103.066,"endTime":103.225,"body":"have "},{"speaker":"Speaker 1","startTime":103.226,"endTime":103.385,"body":"you "},{"speaker":"Speaker 1","startTime":103.386,"endTime":103.584,"body":"here "},{"speaker":"Speaker 1","startTime":103.585,"endTime":103.905,"body":"today, "},{"speaker":"Speaker 1","startTime":104.125,"endTime":104.345,"body":"and "},{"speaker":"Speaker 1","startTime":104.435,"endTime":104.785,"body":"we're "},{"speaker":"Speaker 1","startTime":104.786,"endTime":104.944,"body":"really "},{"speaker":"Speaker 1","startTime":104.945,"endTime":105.185,"body":"looking "},{"speaker":"Speaker 1","startTime":105.186,"endTime":105.545,"body":"forward "},{"speaker":"Speaker 1","startTime":105.685,"endTime":105.905,"body":"to "},{"speaker":"Speaker 1","startTime":105.906,"endTime":106.025,"body":"your "},{"speaker":"Speaker 1","startTime":106.026,"endTime":106.305,"body":"keynote "},{"speaker":"Speaker 1","startTime":106.306,"endTime":106.745,"body":"address "},{"speaker":"Speaker 1","startTime":106.746,"endTime":107.025,"body":"this "},{"speaker":"Speaker 1","startTime":107.026,"endTime":107.185,"body":"year "},{"speaker":"Speaker 1","startTime":107.245,"endTime":107.465,"body":"on "},{"speaker":"Speaker 1","startTime":107.466,"endTime":107.585,"body":"the "},{"speaker":"Speaker 1","startTime":107.605,"endTime":108.025,"body":"facets "},{"speaker":"Speaker 1","startTime":108.026,"endTime":108.185,"body":"of "},{"speaker":"Speaker 1","startTime":108.345,"endTime":108.505,"body":"consumer "},{"speaker":"Speaker 1","startTime":108.506,"endTime":109.105,"body":"protection. "},{"speaker":"Speaker 1","startTime":109.685,"endTime":109.905,"body":"But "},{"speaker":"Speaker 1","startTime":109.925,"endTime":110.145,"body":"one "},{"speaker":"Speaker 1","startTime":110.146,"endTime":110.265,"body":"of "},{"speaker":"Speaker 1","startTime":110.266,"endTime":110.345,"body":"the "},{"speaker":"Speaker 1","startTime":110.346,"endTime":110.545,"body":"reasons "},{"speaker":"Speaker 1","startTime":110.605,"endTime":110.825,"body":"we "},{"speaker":"Speaker 1","startTime":110.855,"endTime":111.145,"body":"love "},{"speaker":"Speaker 1","startTime":111.146,"endTime":111.345,"body":"to "},{"speaker":"Speaker 1","startTime":111.346,"endTime":111.505,"body":"have "},{"speaker":"Speaker 1","startTime":111.765,"endTime":111.985,"body":"our "},{"speaker":"Speaker 1","startTime":112.225,"endTime":112.505,"body":"keynote "},{"speaker":"Speaker 1","startTime":112.585,"endTime":113.145,"body":"speakers "},{"speaker":"Speaker 1","startTime":113.245,"endTime":113.465,"body":"on "},{"speaker":"Speaker 1","startTime":113.466,"endTime":113.665,"body":"the "},{"speaker":"Speaker 1","startTime":113.666,"endTime":113.865,"body":"show "},{"speaker":"Speaker 1","startTime":114.085,"endTime":114.305,"body":"is "},{"speaker":"Speaker 1","startTime":114.325,"endTime":114.545,"body":"to "},{"speaker":"Speaker 1","startTime":114.546,"endTime":114.705,"body":"get "},{"speaker":"Speaker 1","startTime":114.706,"endTime":114.825,"body":"to "},{"speaker":"Speaker 1","startTime":114.826,"endTime":114.985,"body":"know "},{"speaker":"Speaker 1","startTime":114.986,"endTime":115.185,"body":"them "},{"speaker":"Speaker 1","startTime":115.545,"endTime":115.665,"body":"a "},{"speaker":"Speaker 1","startTime":115.666,"endTime":115.745,"body":"little "},{"speaker":"Speaker 1","startTime":115.746,"endTime":115.945,"body":"bit "},{"speaker":"Speaker 1","startTime":116.005,"endTime":116.225,"body":"on "},{"speaker":"Speaker 1","startTime":116.265,"endTime":116.385,"body":"a "},{"speaker":"Speaker 1","startTime":116.585,"endTime":116.745,"body":"personal "},{"speaker":"Speaker 1","startTime":116.746,"endTime":117.025,"body":"level. "},{"speaker":"Speaker 1","startTime":117.475,"endTime":117.825,"body":"Would "},{"speaker":"Speaker 1","startTime":117.826,"endTime":117.945,"body":"you "},{"speaker":"Speaker 1","startTime":117.946,"endTime":118.145,"body":"tell "},{"speaker":"Speaker 1","startTime":118.146,"endTime":118.265,"body":"us "},{"speaker":"Speaker 1","startTime":118.345,"endTime":118.465,"body":"a "},{"speaker":"Speaker 1","startTime":118.466,"endTime":118.585,"body":"little "},{"speaker":"Speaker 1","startTime":118.586,"endTime":118.785,"body":"bit "},{"speaker":"Speaker 1","startTime":118.786,"endTime":119.105,"body":"about "},{"speaker":"Speaker 1","startTime":119.175,"endTime":119.465,"body":"your "},{"speaker":"Speaker 1","startTime":119.985,"endTime":120.145,"body":"personal "},{"speaker":"Speaker 1","startTime":120.165,"endTime":120.385,"body":"and "},{"speaker":"Speaker 1","startTime":120.386,"endTime":120.905,"body":"professional "},{"speaker":"Speaker 1","startTime":120.906,"endTime":121.305,"body":"journey "},{"speaker":"Speaker 1","startTime":121.485,"endTime":121.705,"body":"and "},{"speaker":"Speaker 1","startTime":121.706,"endTime":121.945,"body":"what "},{"speaker":"Speaker 1","startTime":121.946,"endTime":122.225,"body":"drew "},{"speaker":"Speaker 1","startTime":122.226,"endTime":122.345,"body":"you "},{"speaker":"Speaker 1","startTime":122.346,"endTime":122.545,"body":"to "},{"speaker":"Speaker 1","startTime":122.546,"endTime":122.745,"body":"this "},{"speaker":"Speaker 1","startTime":122.746,"endTime":122.945,"body":"work? "},{"speaker":"Speaker 3","startTime":123.525,"endTime":123.745,"body":"Way "},{"speaker":"Speaker 3","startTime":123.935,"endTime":124.225,"body":"back "},{"speaker":"Speaker 3","startTime":124.405,"endTime":124.625,"body":"in "},{"speaker":"Speaker 3","startTime":125.185,"endTime":126.065,"body":"1983 "},{"speaker":"Speaker 3","startTime":126.695,"endTime":126.985,"body":"when "},{"speaker":"Speaker 3","startTime":127.045,"endTime":127.865,"body":"Ronald "},{"speaker":"Speaker 3","startTime":127.865,"endTime":127.865,"body":"Reagan "},{"speaker":"Speaker 3","startTime":128.085,"endTime":128.305,"body":"was "},{"speaker":"Speaker 3","startTime":128.306,"endTime":128.905,"body":"president, "},{"speaker":"Speaker 3","startTime":129.425,"endTime":129.544,"body":"I "},{"speaker":"Speaker 3","startTime":129.565,"endTime":129.785,"body":"was "},{"speaker":"Speaker 3","startTime":129.985,"endTime":129.985,"body":"outta "},{"speaker":"Speaker 3","startTime":129.986,"endTime":130.264,"body":"college "},{"speaker":"Speaker 3","startTime":130.645,"endTime":130.865,"body":"and "},{"speaker":"Speaker 3","startTime":130.925,"endTime":131.145,"body":"was "},{"speaker":"Speaker 3","startTime":131.425,"endTime":131.665,"body":"looking "},{"speaker":"Speaker 3","startTime":131.725,"endTime":131.945,"body":"for "},{"speaker":"Speaker 3","startTime":132.105,"endTime":132.225,"body":"a "},{"speaker":"Speaker 3","startTime":132.226,"endTime":132.385,"body":"new "},{"speaker":"Speaker 3","startTime":132.405,"endTime":132.625,"body":"job, "},{"speaker":"Speaker 3","startTime":133.125,"endTime":133.345,"body":"and "},{"speaker":"Speaker 3","startTime":133.385,"endTime":133.505,"body":"I "},{"speaker":"Speaker 3","startTime":133.506,"endTime":133.705,"body":"took "},{"speaker":"Speaker 3","startTime":133.745,"endTime":133.865,"body":"a "},{"speaker":"Speaker 3","startTime":133.866,"endTime":133.985,"body":"job "},{"speaker":"Speaker 3","startTime":134.125,"endTime":134.345,"body":"as "},{"speaker":"Speaker 3","startTime":134.425,"endTime":134.544,"body":"a "},{"speaker":"Speaker 3","startTime":134.545,"endTime":135.105,"body":"collector "},{"speaker":"Speaker 3","startTime":135.135,"endTime":135.625,"body":"trainee, "},{"speaker":"Speaker 3","startTime":135.626,"endTime":135.905,"body":"mainly "},{"speaker":"Speaker 3","startTime":135.906,"endTime":136.225,"body":"because "},{"speaker":"Speaker 3","startTime":136.226,"endTime":136.465,"body":"they "},{"speaker":"Speaker 3","startTime":136.466,"endTime":136.585,"body":"were "},{"speaker":"Speaker 3","startTime":136.586,"endTime":136.825,"body":"willing "},{"speaker":"Speaker 3","startTime":136.826,"endTime":136.985,"body":"to "},{"speaker":"Speaker 3","startTime":136.986,"endTime":137.264,"body":"train "},{"speaker":"Speaker 3","startTime":137.265,"endTime":137.425,"body":"me. "},{"speaker":"Speaker 3","startTime":137.685,"endTime":137.905,"body":"So "},{"speaker":"Speaker 3","startTime":138.505,"endTime":138.625,"body":"I "},{"speaker":"Speaker 3","startTime":138.626,"endTime":138.785,"body":"got "},{"speaker":"Speaker 3","startTime":138.786,"endTime":139.065,"body":"into "},{"speaker":"Speaker 3","startTime":139.066,"endTime":139.185,"body":"the "},{"speaker":"Speaker 3","startTime":139.186,"endTime":139.705,"body":"collections "},{"speaker":"Speaker 3","startTime":140.145,"endTime":140.264,"body":"business "},{"speaker":"Speaker 3","startTime":141.255,"endTime":141.544,"body":"with "},{"speaker":"Speaker 3","startTime":141.665,"endTime":141.785,"body":"a "},{"speaker":"Speaker 3","startTime":141.786,"endTime":142.065,"body":"company "},{"speaker":"Speaker 3","startTime":142.435,"endTime":142.785,"body":"based "},{"speaker":"Speaker 3","startTime":142.985,"endTime":142.985,"body":"outta "},{"speaker":"Speaker 3","startTime":142.986,"endTime":143.264,"body":"Phoenix, "},{"speaker":"Speaker 3","startTime":143.375,"endTime":143.865,"body":"Arizona. "},{"speaker":"Speaker 3","startTime":144.405,"endTime":144.825,"body":"Stayed "},{"speaker":"Speaker 3","startTime":144.826,"endTime":145.065,"body":"with "},{"speaker":"Speaker 3","startTime":145.066,"endTime":145.185,"body":"them "},{"speaker":"Speaker 3","startTime":145.365,"endTime":145.585,"body":"for "},{"speaker":"Speaker 3","startTime":145.755,"endTime":146.105,"body":"quite "},{"speaker":"Speaker 3","startTime":146.185,"endTime":146.305,"body":"a "},{"speaker":"Speaker 3","startTime":146.306,"endTime":146.425,"body":"long "},{"speaker":"Speaker 3","startTime":146.426,"endTime":146.625,"body":"time "},{"speaker":"Speaker 3","startTime":146.645,"endTime":146.865,"body":"and "},{"speaker":"Speaker 3","startTime":146.866,"endTime":147.065,"body":"sort "},{"speaker":"Speaker 3","startTime":147.066,"endTime":147.145,"body":"of "},{"speaker":"Speaker 3","startTime":147.146,"endTime":147.305,"body":"rose "},{"speaker":"Speaker 3","startTime":147.306,"endTime":147.544,"body":"through "},{"speaker":"Speaker 3","startTime":147.545,"endTime":147.665,"body":"the "},{"speaker":"Speaker 3","startTime":147.666,"endTime":147.985,"body":"ranks "},{"speaker":"Speaker 3","startTime":148.005,"endTime":148.225,"body":"as "},{"speaker":"Speaker 3","startTime":148.264,"endTime":148.385,"body":"a "},{"speaker":"Speaker 3","startTime":148.386,"endTime":148.544,"body":"debt "},{"speaker":"Speaker 3","startTime":148.545,"endTime":149.025,"body":"collector. "},{"speaker":"Speaker 3","startTime":149.445,"endTime":149.665,"body":"And "},{"speaker":"Speaker 3","startTime":149.945,"endTime":150.105,"body":"then "},{"speaker":"Speaker 3","startTime":150.195,"endTime":150.544,"body":"along "},{"speaker":"Speaker 3","startTime":150.545,"endTime":150.745,"body":"that "},{"speaker":"Speaker 3","startTime":150.746,"endTime":151.065,"body":"journey "},{"speaker":"Speaker 3","startTime":151.125,"endTime":151.345,"body":"as "},{"speaker":"Speaker 3","startTime":151.346,"endTime":151.465,"body":"a "},{"speaker":"Speaker 3","startTime":151.466,"endTime":151.585,"body":"debt "},{"speaker":"Speaker 3","startTime":151.586,"endTime":152.105,"body":"collector, "},{"speaker":"Speaker 3","startTime":152.425,"endTime":152.544,"body":"I "},{"speaker":"Speaker 3","startTime":152.544,"endTime":152.544,"body":", "},{"speaker":"Speaker 3","startTime":152.625,"endTime":152.745,"body":"I "},{"speaker":"Speaker 3","startTime":152.746,"endTime":152.905,"body":"sort "},{"speaker":"Speaker 3","startTime":152.985,"endTime":152.985,"body":"of "},{"speaker":"Speaker 3","startTime":153.264,"endTime":153.385,"body":"realized "},{"speaker":"Speaker 3","startTime":153.635,"endTime":153.985,"body":"early "},{"speaker":"Speaker 3","startTime":154.125,"endTime":154.345,"body":"on "},{"speaker":"Speaker 3","startTime":154.346,"endTime":154.585,"body":"that "},{"speaker":"Speaker 3","startTime":154.625,"endTime":154.745,"body":"I, "},{"speaker":"Speaker 3","startTime":154.825,"endTime":154.945,"body":"I "},{"speaker":"Speaker 3","startTime":154.946,"endTime":155.105,"body":"sort "},{"speaker":"Speaker 3","startTime":155.106,"endTime":155.185,"body":"of "},{"speaker":"Speaker 3","startTime":155.186,"endTime":155.345,"body":"had "},{"speaker":"Speaker 3","startTime":155.346,"endTime":155.465,"body":"a "},{"speaker":"Speaker 3","startTime":155.466,"endTime":155.665,"body":"better "},{"speaker":"Speaker 3","startTime":155.764,"endTime":155.985,"body":"way "},{"speaker":"Speaker 3","startTime":155.986,"endTime":156.145,"body":"to "},{"speaker":"Speaker 3","startTime":156.155,"endTime":156.505,"body":"treat "},{"speaker":"Speaker 3","startTime":157.385,"endTime":157.705,"body":"consumers "},{"speaker":"Speaker 3","startTime":157.706,"endTime":157.905,"body":"who "},{"speaker":"Speaker 3","startTime":157.906,"endTime":158.065,"body":"were "},{"speaker":"Speaker 3","startTime":158.066,"endTime":158.425,"body":"struggling "},{"speaker":"Speaker 3","startTime":158.426,"endTime":158.585,"body":"with "},{"speaker":"Speaker 3","startTime":158.586,"endTime":158.705,"body":"their "},{"speaker":"Speaker 3","startTime":158.706,"endTime":158.945,"body":"debt. "},{"speaker":"Speaker 3","startTime":159.085,"endTime":159.305,"body":"And, "},{"speaker":"Speaker 3","startTime":159.544,"endTime":159.544,"body":"and "},{"speaker":"Speaker 3","startTime":159.705,"endTime":159.705,"body":"at "},{"speaker":"Speaker 3","startTime":159.725,"endTime":159.945,"body":"one "},{"speaker":"Speaker 3","startTime":159.946,"endTime":160.145,"body":"point "},{"speaker":"Speaker 3","startTime":160.205,"endTime":160.425,"body":"in "},{"speaker":"Speaker 3","startTime":160.426,"endTime":160.625,"body":"my "},{"speaker":"Speaker 3","startTime":160.626,"endTime":160.825,"body":"career "},{"speaker":"Speaker 3","startTime":161.925,"endTime":162.145,"body":"at "},{"speaker":"Speaker 3","startTime":162.146,"endTime":162.345,"body":"this, "},{"speaker":"Speaker 3","startTime":162.346,"endTime":162.585,"body":"what "},{"speaker":"Speaker 3","startTime":162.586,"endTime":162.785,"body":"was "},{"speaker":"Speaker 3","startTime":162.786,"endTime":162.985,"body":"the "},{"speaker":"Speaker 3","startTime":162.986,"endTime":163.185,"body":"one "},{"speaker":"Speaker 3","startTime":163.186,"endTime":163.345,"body":"point, "},{"speaker":"Speaker 3","startTime":163.346,"endTime":163.544,"body":"the "},{"speaker":"Speaker 3","startTime":163.545,"endTime":163.705,"body":"largest "},{"speaker":"Speaker 3","startTime":164.415,"endTime":164.705,"body":"debt "},{"speaker":"Speaker 3","startTime":164.706,"endTime":165.105,"body":"collector "},{"speaker":"Speaker 3","startTime":165.106,"endTime":165.264,"body":"in "},{"speaker":"Speaker 3","startTime":165.345,"endTime":165.345,"body":"the "},{"speaker":"Speaker 3","startTime":165.346,"endTime":165.544,"body":"world "},{"speaker":"Speaker 3","startTime":165.955,"endTime":166.625,"body":"nationwide "},{"speaker":"Speaker 3","startTime":166.626,"endTime":166.985,"body":"credit, "},{"speaker":"Speaker 3","startTime":167.665,"endTime":167.785,"body":"I "},{"speaker":"Speaker 3","startTime":167.786,"endTime":167.945,"body":"was "},{"speaker":"Speaker 3","startTime":167.946,"endTime":168.065,"body":"in "},{"speaker":"Speaker 3","startTime":168.145,"endTime":168.264,"body":"charge "},{"speaker":"Speaker 3","startTime":168.265,"endTime":168.425,"body":"of "},{"speaker":"Speaker 3","startTime":168.426,"endTime":168.665,"body":"writing, "},{"speaker":"Speaker 3","startTime":168.985,"endTime":169.105,"body":"training "},{"speaker":"Speaker 3","startTime":169.605,"endTime":169.825,"body":"and "},{"speaker":"Speaker 3","startTime":169.826,"endTime":170.305,"body":"development "},{"speaker":"Speaker 3","startTime":170.505,"endTime":170.825,"body":"materials "},{"speaker":"Speaker 3","startTime":170.845,"endTime":171.065,"body":"for "},{"speaker":"Speaker 3","startTime":171.066,"endTime":171.345,"body":"both "},{"speaker":"Speaker 3","startTime":171.346,"endTime":171.825,"body":"collectors "},{"speaker":"Speaker 3","startTime":171.826,"endTime":171.985,"body":"and "},{"speaker":"Speaker 3","startTime":171.986,"endTime":172.385,"body":"managers. "},{"speaker":"Speaker 3","startTime":172.386,"endTime":172.544,"body":"And "},{"speaker":"Speaker 3","startTime":172.545,"endTime":172.625,"body":"I "},{"speaker":"Speaker 3","startTime":172.626,"endTime":172.745,"body":"was "},{"speaker":"Speaker 3","startTime":172.746,"endTime":172.905,"body":"able "},{"speaker":"Speaker 3","startTime":172.906,"endTime":173.065,"body":"to "},{"speaker":"Speaker 3","startTime":173.285,"endTime":173.505,"body":"put "},{"speaker":"Speaker 3","startTime":173.506,"endTime":173.705,"body":"in "},{"speaker":"Speaker 3","startTime":173.706,"endTime":173.865,"body":"some "},{"speaker":"Speaker 3","startTime":173.915,"endTime":174.264,"body":"ideas "},{"speaker":"Speaker 3","startTime":174.315,"endTime":174.665,"body":"about "},{"speaker":"Speaker 3","startTime":174.865,"endTime":175.025,"body":"treating "},{"speaker":"Speaker 3","startTime":175.305,"endTime":175.585,"body":"consumers "},{"speaker":"Speaker 3","startTime":175.586,"endTime":175.745,"body":"with "},{"speaker":"Speaker 3","startTime":175.746,"endTime":175.945,"body":"dignity "},{"speaker":"Speaker 3","startTime":176.125,"endTime":176.345,"body":"and "},{"speaker":"Speaker 3","startTime":176.346,"endTime":176.785,"body":"respect. "},{"speaker":"Speaker 3","startTime":177.385,"endTime":177.385,"body":"And "},{"speaker":"Speaker 3","startTime":177.386,"endTime":177.505,"body":"I "},{"speaker":"Speaker 3","startTime":177.506,"endTime":177.705,"body":"sort "},{"speaker":"Speaker 3","startTime":177.706,"endTime":177.825,"body":"of, "},{"speaker":"Speaker 3","startTime":177.945,"endTime":178.065,"body":"I "},{"speaker":"Speaker 3","startTime":178.066,"endTime":178.145,"body":"guess "},{"speaker":"Speaker 3","startTime":178.146,"endTime":178.345,"body":"from "},{"speaker":"Speaker 3","startTime":178.346,"endTime":178.544,"body":"the "},{"speaker":"Speaker 3","startTime":178.745,"endTime":178.945,"body":"earliest "},{"speaker":"Speaker 3","startTime":179.025,"endTime":179.245,"body":"day "},{"speaker":"Speaker 3","startTime":179.246,"endTime":179.405,"body":"as "},{"speaker":"Speaker 3","startTime":179.406,"endTime":179.525,"body":"a "},{"speaker":"Speaker 3","startTime":179.526,"endTime":179.725,"body":"brand "},{"speaker":"Speaker 3","startTime":179.726,"endTime":179.925,"body":"new "},{"speaker":"Speaker 3","startTime":179.926,"endTime":180.325,"body":"collector, "},{"speaker":"Speaker 3","startTime":180.326,"endTime":180.445,"body":"I "},{"speaker":"Speaker 3","startTime":180.446,"endTime":180.565,"body":"thought "},{"speaker":"Speaker 3","startTime":180.566,"endTime":180.805,"body":"there's "},{"speaker":"Speaker 3","startTime":180.806,"endTime":180.845,"body":"a "},{"speaker":"Speaker 3","startTime":180.846,"endTime":181.005,"body":"better "},{"speaker":"Speaker 3","startTime":181.025,"endTime":181.245,"body":"way "},{"speaker":"Speaker 3","startTime":181.246,"endTime":181.405,"body":"to "},{"speaker":"Speaker 3","startTime":181.406,"endTime":181.565,"body":"do "},{"speaker":"Speaker 3","startTime":181.566,"endTime":181.725,"body":"this. "},{"speaker":"Speaker 3","startTime":182.685,"endTime":182.685,"body":"It "},{"speaker":"Speaker 3","startTime":182.686,"endTime":182.885,"body":"sort "},{"speaker":"Speaker 3","startTime":182.886,"endTime":183.005,"body":"of "},{"speaker":"Speaker 3","startTime":183.165,"endTime":183.325,"body":"preserves "},{"speaker":"Speaker 3","startTime":183.326,"endTime":183.485,"body":"the "},{"speaker":"Speaker 3","startTime":183.486,"endTime":183.605,"body":"dignity "},{"speaker":"Speaker 3","startTime":183.705,"endTime":183.925,"body":"of "},{"speaker":"Speaker 3","startTime":184.085,"endTime":184.325,"body":"consumers. "},{"speaker":"Speaker 3","startTime":184.326,"endTime":184.525,"body":"But "},{"speaker":"Speaker 3","startTime":184.526,"endTime":184.925,"body":"anyway, "},{"speaker":"Speaker 3","startTime":185.105,"endTime":185.325,"body":"my "},{"speaker":"Speaker 3","startTime":185.485,"endTime":185.605,"body":"approach "},{"speaker":"Speaker 3","startTime":185.625,"endTime":185.845,"body":"was "},{"speaker":"Speaker 3","startTime":185.846,"endTime":186.044,"body":"very "},{"speaker":"Speaker 3","startTime":186.045,"endTime":186.565,"body":"successful. "},{"speaker":"Speaker 3","startTime":186.925,"endTime":187.044,"body":"I "},{"speaker":"Speaker 3","startTime":187.045,"endTime":187.205,"body":"did "},{"speaker":"Speaker 3","startTime":187.206,"endTime":187.405,"body":"well "},{"speaker":"Speaker 3","startTime":187.406,"endTime":187.565,"body":"with "},{"speaker":"Speaker 3","startTime":187.566,"endTime":187.764,"body":"that "},{"speaker":"Speaker 3","startTime":187.765,"endTime":188.044,"body":"company, "},{"speaker":"Speaker 3","startTime":188.875,"endTime":189.165,"body":"rose "},{"speaker":"Speaker 3","startTime":189.166,"endTime":189.445,"body":"through "},{"speaker":"Speaker 3","startTime":189.446,"endTime":189.565,"body":"the "},{"speaker":"Speaker 3","startTime":189.566,"endTime":189.885,"body":"ranks "},{"speaker":"Speaker 3","startTime":189.895,"endTime":190.565,"body":"eventually "},{"speaker":"Speaker 3","startTime":190.825,"endTime":191.044,"body":"to "},{"speaker":"Speaker 3","startTime":191.625,"endTime":192.044,"body":"senior "},{"speaker":"Speaker 3","startTime":192.045,"endTime":192.325,"body":"Vice "},{"speaker":"Speaker 3","startTime":192.326,"endTime":192.845,"body":"president "},{"speaker":"Speaker 3","startTime":193.425,"endTime":193.645,"body":"of "},{"speaker":"Speaker 3","startTime":193.705,"endTime":194.125,"body":"Retail "},{"speaker":"Speaker 3","startTime":194.126,"endTime":194.285,"body":"and "},{"speaker":"Speaker 3","startTime":194.286,"endTime":194.525,"body":"Markets, "},{"speaker":"Speaker 3","startTime":194.865,"endTime":195.085,"body":"and "},{"speaker":"Speaker 3","startTime":195.086,"endTime":195.205,"body":"that "},{"speaker":"Speaker 3","startTime":195.206,"endTime":195.365,"body":"was "},{"speaker":"Speaker 3","startTime":195.366,"endTime":195.565,"body":"for "},{"speaker":"Speaker 3","startTime":195.775,"endTime":196.125,"body":"First "},{"speaker":"Speaker 3","startTime":196.126,"endTime":196.405,"body":"Data "},{"speaker":"Speaker 3","startTime":196.406,"endTime":197.005,"body":"Corporation. "},{"speaker":"Speaker 3","startTime":197.035,"endTime":197.325,"body":"They "},{"speaker":"Speaker 3","startTime":197.485,"endTime":197.645,"body":"had, "},{"speaker":"Speaker 3","startTime":197.646,"endTime":197.885,"body":"they "},{"speaker":"Speaker 3","startTime":197.886,"endTime":198.005,"body":"had "},{"speaker":"Speaker 3","startTime":198.006,"endTime":198.445,"body":"purchased "},{"speaker":"Speaker 3","startTime":198.446,"endTime":198.645,"body":"us "},{"speaker":"Speaker 3","startTime":199.035,"endTime":199.325,"body":"from "},{"speaker":"Speaker 3","startTime":199.326,"endTime":199.525,"body":"there. "},{"speaker":"Speaker 3","startTime":199.685,"endTime":199.805,"body":"I "},{"speaker":"Speaker 3","startTime":199.806,"endTime":200.005,"body":"moved "},{"speaker":"Speaker 3","startTime":200.105,"endTime":200.325,"body":"on "},{"speaker":"Speaker 3","startTime":200.945,"endTime":201.165,"body":"and "},{"speaker":"Speaker 3","startTime":201.185,"endTime":201.405,"body":"did "},{"speaker":"Speaker 3","startTime":201.525,"endTime":201.645,"body":"a "},{"speaker":"Speaker 3","startTime":201.735,"endTime":202.085,"body":"stint "},{"speaker":"Speaker 3","startTime":202.145,"endTime":202.365,"body":"as "},{"speaker":"Speaker 3","startTime":202.385,"endTime":202.605,"body":"the "},{"speaker":"Speaker 3","startTime":202.606,"endTime":202.885,"body":"Chief "},{"speaker":"Speaker 3","startTime":202.886,"endTime":203.365,"body":"Operating "},{"speaker":"Speaker 3","startTime":203.366,"endTime":203.565,"body":"Officer "},{"speaker":"Speaker 3","startTime":203.585,"endTime":203.805,"body":"for "},{"speaker":"Speaker 3","startTime":203.806,"endTime":204.125,"body":"asset "},{"speaker":"Speaker 3","startTime":204.126,"endTime":204.605,"body":"management "},{"speaker":"Speaker 3","startTime":204.606,"endTime":205.125,"body":"outsourcing, "},{"speaker":"Speaker 3","startTime":205.355,"endTime":205.845,"body":"another "},{"speaker":"Speaker 3","startTime":206.275,"endTime":206.565,"body":"debt "},{"speaker":"Speaker 3","startTime":206.566,"endTime":207.165,"body":"collector, "},{"speaker":"Speaker 3","startTime":207.945,"endTime":208.165,"body":"and "},{"speaker":"Speaker 3","startTime":208.365,"endTime":208.365,"body":"then "},{"speaker":"Speaker 3","startTime":208.565,"endTime":208.645,"body":"actually "},{"speaker":"Speaker 3","startTime":208.646,"endTime":208.885,"body":"started "},{"speaker":"Speaker 3","startTime":208.945,"endTime":209.165,"body":"my "},{"speaker":"Speaker 3","startTime":209.166,"endTime":209.245,"body":"own "},{"speaker":"Speaker 3","startTime":209.485,"endTime":209.565,"body":"business, "},{"speaker":"Speaker 3","startTime":209.566,"endTime":209.845,"body":"like "},{"speaker":"Speaker 3","startTime":209.846,"endTime":210.085,"body":"right "},{"speaker":"Speaker 3","startTime":210.086,"endTime":210.325,"body":"before "},{"speaker":"Speaker 3","startTime":210.326,"endTime":210.485,"body":"the "},{"speaker":"Speaker 3","startTime":210.486,"endTime":210.645,"body":"Great "},{"speaker":"Speaker 3","startTime":210.646,"endTime":211.125,"body":"Recession "},{"speaker":"Speaker 3","startTime":211.285,"endTime":211.285,"body":"in "},{"speaker":"Speaker 3","startTime":211.285,"endTime":211.285,"body":", "},{"speaker":"Speaker 3","startTime":211.485,"endTime":211.485,"body":"in "},{"speaker":"Speaker 3","startTime":211.685,"endTime":211.725,"body":"probably "},{"speaker":"Speaker 3","startTime":211.726,"endTime":211.885,"body":"the "},{"speaker":"Speaker 3","startTime":211.886,"endTime":212.005,"body":"worst "},{"speaker":"Speaker 3","startTime":212.365,"endTime":212.525,"body":"possible "},{"speaker":"Speaker 3","startTime":212.526,"endTime":212.805,"body":"time "},{"speaker":"Speaker 3","startTime":212.865,"endTime":213.085,"body":"to "},{"speaker":"Speaker 3","startTime":213.086,"endTime":213.325,"body":"start "},{"speaker":"Speaker 3","startTime":213.365,"endTime":213.485,"body":"a "},{"speaker":"Speaker 3","startTime":213.605,"endTime":213.725,"body":"business. "},{"speaker":"Speaker 3","startTime":214.185,"endTime":214.405,"body":"And "},{"speaker":"Speaker 3","startTime":214.406,"endTime":214.485,"body":"it "},{"speaker":"Speaker 3","startTime":214.486,"endTime":214.565,"body":"was "},{"speaker":"Speaker 3","startTime":214.566,"endTime":214.685,"body":"a "},{"speaker":"Speaker 3","startTime":214.686,"endTime":214.925,"body":"small "},{"speaker":"Speaker 3","startTime":214.926,"endTime":215.125,"body":"debt "},{"speaker":"Speaker 3","startTime":215.126,"endTime":215.565,"body":"collection "},{"speaker":"Speaker 3","startTime":215.566,"endTime":215.965,"body":"agency. "},{"speaker":"Speaker 3","startTime":216.165,"endTime":216.365,"body":"So "},{"speaker":"Speaker 3","startTime":216.366,"endTime":216.445,"body":"I "},{"speaker":"Speaker 3","startTime":216.445,"endTime":216.445,"body":", "},{"speaker":"Speaker 3","startTime":216.485,"endTime":216.605,"body":"I "},{"speaker":"Speaker 3","startTime":216.606,"endTime":216.805,"body":"learned "},{"speaker":"Speaker 3","startTime":216.806,"endTime":217.005,"body":"what "},{"speaker":"Speaker 3","startTime":217.006,"endTime":217.245,"body":"it's "},{"speaker":"Speaker 3","startTime":217.246,"endTime":217.325,"body":"like "},{"speaker":"Speaker 3","startTime":217.326,"endTime":217.485,"body":"to "},{"speaker":"Speaker 3","startTime":217.486,"endTime":217.605,"body":"be "},{"speaker":"Speaker 3","startTime":217.606,"endTime":217.725,"body":"a "},{"speaker":"Speaker 3","startTime":217.726,"endTime":217.925,"body":"small "},{"speaker":"Speaker 3","startTime":218.125,"endTime":218.245,"body":"business "},{"speaker":"Speaker 3","startTime":218.246,"endTime":218.445,"body":"owner "},{"speaker":"Speaker 3","startTime":218.446,"endTime":218.645,"body":"in "},{"speaker":"Speaker 3","startTime":218.646,"endTime":218.765,"body":"the "},{"speaker":"Speaker 3","startTime":218.766,"endTime":218.885,"body":"debt "},{"speaker":"Speaker 3","startTime":218.886,"endTime":219.325,"body":"collection "},{"speaker":"Speaker 3","startTime":219.326,"endTime":219.565,"body":"space. "},{"speaker":"Speaker 3","startTime":220.005,"endTime":220.125,"body":"I "},{"speaker":"Speaker 3","startTime":220.126,"endTime":220.285,"body":"knew "},{"speaker":"Speaker 3","startTime":220.286,"endTime":220.445,"body":"what "},{"speaker":"Speaker 3","startTime":220.446,"endTime":220.525,"body":"it "},{"speaker":"Speaker 3","startTime":220.526,"endTime":220.645,"body":"was "},{"speaker":"Speaker 3","startTime":220.646,"endTime":220.765,"body":"like "},{"speaker":"Speaker 3","startTime":220.766,"endTime":220.925,"body":"to "},{"speaker":"Speaker 3","startTime":220.926,"endTime":221.005,"body":"be "},{"speaker":"Speaker 3","startTime":221.045,"endTime":221.165,"body":"a "},{"speaker":"Speaker 3","startTime":221.166,"endTime":221.605,"body":"collector "},{"speaker":"Speaker 3","startTime":221.606,"endTime":221.805,"body":"for "},{"speaker":"Speaker 3","startTime":221.845,"endTime":221.965,"body":"a "},{"speaker":"Speaker 3","startTime":221.966,"endTime":222.125,"body":"large "},{"speaker":"Speaker 3","startTime":222.445,"endTime":222.605,"body":"national "},{"speaker":"Speaker 3","startTime":222.705,"endTime":223.125,"body":"agency. "},{"speaker":"Speaker 3","startTime":223.345,"endTime":223.565,"body":"And "},{"speaker":"Speaker 3","startTime":223.566,"endTime":223.765,"body":"then "},{"speaker":"Speaker 3","startTime":224.505,"endTime":224.725,"body":"in "},{"speaker":"Speaker 3","startTime":224.726,"endTime":226.565,"body":"2009 "},{"speaker":"Speaker 3","startTime":226.625,"endTime":226.845,"body":"or "},{"speaker":"Speaker 3","startTime":227.005,"endTime":227.005,"body":"two "},{"speaker":"Speaker 3","startTime":227.005,"endTime":227.005,"body":", "},{"speaker":"Speaker 3","startTime":227.006,"endTime":227.205,"body":"late "},{"speaker":"Speaker 3","startTime":227.206,"endTime":227.885,"body":"2008, "},{"speaker":"Speaker 3","startTime":228.045,"endTime":228.165,"body":"I "},{"speaker":"Speaker 3","startTime":228.325,"endTime":228.405,"body":"actually "},{"speaker":"Speaker 3","startTime":228.406,"endTime":228.685,"body":"joined "},{"speaker":"Speaker 3","startTime":229.165,"endTime":229.325,"body":"software, "},{"speaker":"Speaker 3","startTime":229.405,"endTime":229.525,"body":"a "},{"speaker":"Speaker 3","startTime":229.526,"endTime":229.725,"body":"cloud "},{"speaker":"Speaker 3","startTime":229.726,"endTime":230.005,"body":"startup "},{"speaker":"Speaker 3","startTime":230.685,"endTime":230.805,"body":"software "},{"speaker":"Speaker 3","startTime":230.806,"endTime":231.085,"body":"company "},{"speaker":"Speaker 3","startTime":231.086,"endTime":231.325,"body":"called "},{"speaker":"Speaker 3","startTime":231.675,"endTime":231.965,"body":"Live "},{"speaker":"Speaker 3","startTime":232.205,"endTime":232.205,"body":"Ox "},{"speaker":"Speaker 3","startTime":232.205,"endTime":232.205,"body":". "},{"speaker":"Speaker 3","startTime":232.225,"endTime":232.445,"body":"And "},{"speaker":"Speaker 3","startTime":232.446,"endTime":232.565,"body":"they "},{"speaker":"Speaker 3","startTime":232.566,"endTime":232.645,"body":"were "},{"speaker":"Speaker 3","startTime":232.885,"endTime":233.005,"body":"a "},{"speaker":"Speaker 3","startTime":234.245,"endTime":234.445,"body":"provider "},{"speaker":"Speaker 3","startTime":234.825,"endTime":235.045,"body":"of "},{"speaker":"Speaker 3","startTime":235.835,"endTime":236.445,"body":"telephony "},{"speaker":"Speaker 3","startTime":236.845,"endTime":237.005,"body":"services "},{"speaker":"Speaker 3","startTime":237.615,"endTime":237.965,"body":"based "},{"speaker":"Speaker 3","startTime":238.145,"endTime":238.365,"body":"on "},{"speaker":"Speaker 3","startTime":238.435,"endTime":238.725,"body":"from "},{"speaker":"Speaker 3","startTime":238.726,"endTime":238.925,"body":"the "},{"speaker":"Speaker 3","startTime":238.926,"endTime":239.245,"body":"cloud. "},{"speaker":"Speaker 3","startTime":239.785,"endTime":240.005,"body":"And "},{"speaker":"Speaker 3","startTime":240.006,"endTime":240.205,"body":"so "},{"speaker":"Speaker 3","startTime":240.206,"endTime":240.325,"body":"it "},{"speaker":"Speaker 3","startTime":240.326,"endTime":240.445,"body":"was "},{"speaker":"Speaker 3","startTime":240.446,"endTime":240.605,"body":"when "},{"speaker":"Speaker 3","startTime":240.606,"endTime":240.885,"body":"cloud "},{"speaker":"Speaker 3","startTime":240.945,"endTime":241.165,"body":"was "},{"speaker":"Speaker 3","startTime":241.166,"endTime":241.445,"body":"early "},{"speaker":"Speaker 3","startTime":241.585,"endTime":241.805,"body":"and "},{"speaker":"Speaker 3","startTime":241.806,"endTime":242.125,"body":"scary, "},{"speaker":"Speaker 3","startTime":242.185,"endTime":242.405,"body":"and "},{"speaker":"Speaker 3","startTime":242.406,"endTime":242.525,"body":"I "},{"speaker":"Speaker 3","startTime":242.526,"endTime":242.645,"body":"was "},{"speaker":"Speaker 3","startTime":242.646,"endTime":242.805,"body":"their "},{"speaker":"Speaker 3","startTime":242.806,"endTime":243.005,"body":"chief "},{"speaker":"Speaker 3","startTime":243.006,"endTime":243.445,"body":"marketing "},{"speaker":"Speaker 3","startTime":243.446,"endTime":243.645,"body":"officer "},{"speaker":"Speaker 3","startTime":243.646,"endTime":243.845,"body":"and "},{"speaker":"Speaker 3","startTime":243.846,"endTime":244.005,"body":"did "},{"speaker":"Speaker 3","startTime":244.006,"endTime":244.125,"body":"a "},{"speaker":"Speaker 3","startTime":244.126,"endTime":244.245,"body":"lot "},{"speaker":"Speaker 3","startTime":244.246,"endTime":244.325,"body":"of "},{"speaker":"Speaker 3","startTime":244.326,"endTime":244.525,"body":"product "},{"speaker":"Speaker 3","startTime":244.526,"endTime":245.125,"body":"development "},{"speaker":"Speaker 3","startTime":245.126,"endTime":245.365,"body":"work "},{"speaker":"Speaker 3","startTime":245.366,"endTime":245.565,"body":"for "},{"speaker":"Speaker 3","startTime":245.566,"endTime":245.685,"body":"them. "},{"speaker":"Speaker 3","startTime":246.145,"endTime":246.365,"body":"And, "},{"speaker":"Speaker 3","startTime":246.385,"endTime":246.605,"body":"and "},{"speaker":"Speaker 3","startTime":246.606,"endTime":246.765,"body":"even "},{"speaker":"Speaker 3","startTime":246.766,"endTime":247.045,"body":"then "},{"speaker":"Speaker 3","startTime":247.325,"endTime":247.445,"body":"I "},{"speaker":"Speaker 3","startTime":247.446,"endTime":247.605,"body":"was "},{"speaker":"Speaker 3","startTime":247.605,"endTime":247.605,"body":", "},{"speaker":"Speaker 3","startTime":247.845,"endTime":247.845,"body":"uh, "},{"speaker":"Speaker 3","startTime":248.045,"endTime":248.045,"body":"the "},{"speaker":"Speaker 3","startTime":248.045,"endTime":248.045,"body":", "},{"speaker":"Speaker 3","startTime":248.046,"endTime":248.205,"body":"our "},{"speaker":"Speaker 3","startTime":248.206,"endTime":248.365,"body":"main "},{"speaker":"Speaker 3","startTime":248.605,"endTime":248.845,"body":"customers "},{"speaker":"Speaker 3","startTime":248.846,"endTime":249.005,"body":"were "},{"speaker":"Speaker 3","startTime":249.006,"endTime":249.205,"body":"debt "},{"speaker":"Speaker 3","startTime":249.206,"endTime":249.685,"body":"collectors "},{"speaker":"Speaker 3","startTime":249.745,"endTime":249.965,"body":"and "},{"speaker":"Speaker 3","startTime":250.235,"endTime":250.845,"body":"servicers. "},{"speaker":"Speaker 3","startTime":251.385,"endTime":251.605,"body":"So "},{"speaker":"Speaker 3","startTime":252.105,"endTime":252.325,"body":"as "},{"speaker":"Speaker 3","startTime":252.326,"endTime":252.525,"body":"the "},{"speaker":"Speaker 3","startTime":252.526,"endTime":252.725,"body":"chief "},{"speaker":"Speaker 3","startTime":252.885,"endTime":253.285,"body":"marketing "},{"speaker":"Speaker 3","startTime":253.286,"endTime":253.485,"body":"officer, "},{"speaker":"Speaker 3","startTime":253.645,"endTime":253.765,"body":"I "},{"speaker":"Speaker 3","startTime":253.766,"endTime":253.885,"body":"was "},{"speaker":"Speaker 3","startTime":253.886,"endTime":254.085,"body":"really "},{"speaker":"Speaker 3","startTime":254.086,"endTime":254.405,"body":"pushing "},{"speaker":"Speaker 3","startTime":254.405,"endTime":254.405,"body":", "},{"speaker":"Speaker 3","startTime":254.925,"endTime":254.925,"body":"uh, "},{"speaker":"Speaker 3","startTime":255.305,"endTime":255.525,"body":"the "},{"speaker":"Speaker 3","startTime":255.526,"endTime":255.805,"body":"sort "},{"speaker":"Speaker 3","startTime":255.806,"endTime":255.925,"body":"of "},{"speaker":"Speaker 3","startTime":255.926,"endTime":256.485,"body":"development "},{"speaker":"Speaker 3","startTime":256.486,"endTime":256.645,"body":"of "},{"speaker":"Speaker 3","startTime":256.885,"endTime":256.885,"body":"we "},{"speaker":"Speaker 3","startTime":256.885,"endTime":256.885,"body":", "},{"speaker":"Speaker 3","startTime":257.165,"endTime":257.285,"body":"I "},{"speaker":"Speaker 3","startTime":257.286,"endTime":257.404,"body":"guess "},{"speaker":"Speaker 3","startTime":257.405,"endTime":257.525,"body":"it "},{"speaker":"Speaker 3","startTime":257.526,"endTime":257.645,"body":"was "},{"speaker":"Speaker 3","startTime":257.665,"endTime":257.885,"body":"pre "},{"speaker":"Speaker 3","startTime":258.045,"endTime":258.404,"body":"RegTech, "},{"speaker":"Speaker 3","startTime":258.425,"endTime":258.645,"body":"but "},{"speaker":"Speaker 3","startTime":258.646,"endTime":258.845,"body":"we "},{"speaker":"Speaker 3","startTime":258.846,"endTime":259.085,"body":"didn't "},{"speaker":"Speaker 3","startTime":259.086,"endTime":259.285,"body":"realize "},{"speaker":"Speaker 3","startTime":259.286,"endTime":259.485,"body":"it "},{"speaker":"Speaker 3","startTime":259.486,"endTime":259.605,"body":"was "},{"speaker":"Speaker 3","startTime":259.725,"endTime":260.005,"body":"RegTech, "},{"speaker":"Speaker 3","startTime":260.006,"endTime":260.205,"body":"but "},{"speaker":"Speaker 3","startTime":260.206,"endTime":260.325,"body":"we "},{"speaker":"Speaker 3","startTime":260.326,"endTime":260.445,"body":"were "},{"speaker":"Speaker 3","startTime":260.565,"endTime":260.645,"body":"building "},{"speaker":"Speaker 3","startTime":260.665,"endTime":260.885,"body":"the "},{"speaker":"Speaker 3","startTime":261.125,"endTime":261.285,"body":"software "},{"speaker":"Speaker 3","startTime":261.705,"endTime":261.925,"body":"to "},{"speaker":"Speaker 3","startTime":261.926,"endTime":262.404,"body":"provide "},{"speaker":"Speaker 3","startTime":262.475,"endTime":262.765,"body":"ways "},{"speaker":"Speaker 3","startTime":262.985,"endTime":263.205,"body":"for "},{"speaker":"Speaker 3","startTime":263.375,"endTime":263.725,"body":"users "},{"speaker":"Speaker 3","startTime":263.904,"endTime":264.125,"body":"to "},{"speaker":"Speaker 3","startTime":264.126,"endTime":264.285,"body":"sort "},{"speaker":"Speaker 3","startTime":264.286,"endTime":264.404,"body":"of "},{"speaker":"Speaker 3","startTime":264.405,"endTime":264.725,"body":"adjust "},{"speaker":"Speaker 3","startTime":264.964,"endTime":264.964,"body":"to "},{"speaker":"Speaker 3","startTime":265.205,"endTime":265.205,"body":"change "},{"speaker":"Speaker 3","startTime":265.365,"endTime":265.365,"body":"in "},{"speaker":"Speaker 3","startTime":265.366,"endTime":265.964,"body":"compliance. "},{"speaker":"Speaker 3","startTime":266.425,"endTime":266.645,"body":"And "},{"speaker":"Speaker 3","startTime":266.646,"endTime":266.845,"body":"during "},{"speaker":"Speaker 3","startTime":266.846,"endTime":267.045,"body":"that "},{"speaker":"Speaker 3","startTime":267.046,"endTime":267.285,"body":"time, "},{"speaker":"Speaker 3","startTime":267.464,"endTime":267.685,"body":"the "},{"speaker":"Speaker 3","startTime":268.285,"endTime":268.285,"body":"CFPB "},{"speaker":"Speaker 3","startTime":268.305,"endTime":268.525,"body":"was, "},{"speaker":"Speaker 3","startTime":268.745,"endTime":268.964,"body":"was "},{"speaker":"Speaker 3","startTime":268.964,"endTime":268.964,"body":", "},{"speaker":"Speaker 3","startTime":269.285,"endTime":269.285,"body":"uh, "},{"speaker":"Speaker 3","startTime":269.286,"endTime":269.404,"body":"you "},{"speaker":"Speaker 3","startTime":269.405,"endTime":269.485,"body":"know, "},{"speaker":"Speaker 3","startTime":269.735,"endTime":270.404,"body":"Dodd-Frank "},{"speaker":"Speaker 3","startTime":270.464,"endTime":270.885,"body":"passed "},{"speaker":"Speaker 3","startTime":270.945,"endTime":271.165,"body":"in "},{"speaker":"Speaker 3","startTime":271.365,"endTime":271.845,"body":"2010. "},{"speaker":"Speaker 3","startTime":272.265,"endTime":272.485,"body":"The "},{"speaker":"Speaker 3","startTime":273.285,"endTime":273.285,"body":"CFPB "},{"speaker":"Speaker 3","startTime":273.625,"endTime":273.845,"body":"was "},{"speaker":"Speaker 3","startTime":274.065,"endTime":274.285,"body":"on "},{"speaker":"Speaker 3","startTime":274.305,"endTime":274.525,"body":"its "},{"speaker":"Speaker 3","startTime":274.526,"endTime":274.645,"body":"way "},{"speaker":"Speaker 3","startTime":274.646,"endTime":274.805,"body":"to "},{"speaker":"Speaker 3","startTime":275.005,"endTime":275.085,"body":"standing "},{"speaker":"Speaker 3","startTime":275.145,"endTime":275.365,"body":"up. "},{"speaker":"Speaker 3","startTime":275.585,"endTime":275.805,"body":"And "},{"speaker":"Speaker 3","startTime":275.806,"endTime":275.925,"body":"I "},{"speaker":"Speaker 3","startTime":275.926,"endTime":276.125,"body":"gave "},{"speaker":"Speaker 3","startTime":276.126,"endTime":276.445,"body":"quite "},{"speaker":"Speaker 3","startTime":276.485,"endTime":276.605,"body":"a "},{"speaker":"Speaker 3","startTime":276.606,"endTime":276.725,"body":"bit "},{"speaker":"Speaker 3","startTime":276.726,"endTime":276.885,"body":"of, "},{"speaker":"Speaker 3","startTime":277.065,"endTime":277.285,"body":"did "},{"speaker":"Speaker 3","startTime":277.286,"endTime":277.525,"body":"quite "},{"speaker":"Speaker 3","startTime":277.565,"endTime":277.685,"body":"a "},{"speaker":"Speaker 3","startTime":277.686,"endTime":277.805,"body":"bit "},{"speaker":"Speaker 3","startTime":277.806,"endTime":277.964,"body":"of "},{"speaker":"Speaker 3","startTime":278.404,"endTime":278.565,"body":"speaking "},{"speaker":"Speaker 3","startTime":278.654,"endTime":279.005,"body":"about "},{"speaker":"Speaker 3","startTime":279.006,"endTime":279.205,"body":"what "},{"speaker":"Speaker 3","startTime":279.206,"endTime":279.365,"body":"the "},{"speaker":"Speaker 3","startTime":279.964,"endTime":279.964,"body":"CFPB "},{"speaker":"Speaker 3","startTime":279.965,"endTime":280.245,"body":"might "},{"speaker":"Speaker 3","startTime":280.246,"endTime":280.525,"body":"look "},{"speaker":"Speaker 3","startTime":280.526,"endTime":280.645,"body":"like "},{"speaker":"Speaker 3","startTime":280.665,"endTime":280.885,"body":"and "},{"speaker":"Speaker 3","startTime":280.886,"endTime":281.045,"body":"how "},{"speaker":"Speaker 3","startTime":281.046,"endTime":281.285,"body":"there'll "},{"speaker":"Speaker 3","startTime":281.286,"endTime":281.404,"body":"be "},{"speaker":"Speaker 3","startTime":281.405,"endTime":281.525,"body":"a "},{"speaker":"Speaker 3","startTime":281.526,"endTime":281.725,"body":"fast "},{"speaker":"Speaker 3","startTime":281.964,"endTime":282.045,"body":"learning "},{"speaker":"Speaker 3","startTime":282.046,"endTime":282.805,"body":"organization "},{"speaker":"Speaker 3","startTime":283.185,"endTime":283.404,"body":"and "},{"speaker":"Speaker 3","startTime":283.405,"endTime":283.685,"body":"there'll "},{"speaker":"Speaker 3","startTime":283.686,"endTime":283.765,"body":"be "},{"speaker":"Speaker 3","startTime":283.766,"endTime":283.885,"body":"a "},{"speaker":"Speaker 3","startTime":283.886,"endTime":284.045,"body":"force "},{"speaker":"Speaker 3","startTime":284.105,"endTime":284.325,"body":"to "},{"speaker":"Speaker 3","startTime":284.485,"endTime":284.485,"body":"rec "},{"speaker":"Speaker 3","startTime":284.545,"endTime":284.765,"body":"be "},{"speaker":"Speaker 3","startTime":284.925,"endTime":285.485,"body":"reckoned "},{"speaker":"Speaker 3","startTime":285.486,"endTime":285.605,"body":"with. "},{"speaker":"Speaker 3","startTime":285.945,"endTime":286.165,"body":"And "},{"speaker":"Speaker 3","startTime":286.166,"endTime":286.485,"body":"certainly "},{"speaker":"Speaker 3","startTime":286.486,"endTime":286.845,"body":"anyone "},{"speaker":"Speaker 3","startTime":286.964,"endTime":286.964,"body":"in "},{"speaker":"Speaker 3","startTime":286.965,"endTime":287.045,"body":"the "},{"speaker":"Speaker 3","startTime":287.205,"endTime":287.205,"body":"debt "},{"speaker":"Speaker 3","startTime":287.206,"endTime":287.645,"body":"collection "},{"speaker":"Speaker 3","startTime":287.646,"endTime":287.885,"body":"space "},{"speaker":"Speaker 3","startTime":287.886,"endTime":288.005,"body":"or "},{"speaker":"Speaker 3","startTime":288.006,"endTime":288.325,"body":"anyone "},{"speaker":"Speaker 3","startTime":288.326,"endTime":288.565,"body":"dealing "},{"speaker":"Speaker 3","startTime":288.566,"endTime":288.805,"body":"with "},{"speaker":"Speaker 3","startTime":289.045,"endTime":289.365,"body":"consumers "},{"speaker":"Speaker 3","startTime":289.366,"endTime":289.565,"body":"who "},{"speaker":"Speaker 3","startTime":289.725,"endTime":289.725,"body":"were "},{"speaker":"Speaker 3","startTime":289.845,"endTime":290.205,"body":"struggling "},{"speaker":"Speaker 3","startTime":290.385,"endTime":290.805,"body":"should "},{"speaker":"Speaker 3","startTime":290.806,"endTime":291.085,"body":"really "},{"speaker":"Speaker 3","startTime":291.145,"endTime":291.365,"body":"pay "},{"speaker":"Speaker 3","startTime":291.366,"endTime":291.645,"body":"attention. "},{"speaker":"Speaker 3","startTime":292.265,"endTime":292.485,"body":"So "},{"speaker":"Speaker 3","startTime":292.665,"endTime":292.885,"body":"as "},{"speaker":"Speaker 3","startTime":292.886,"endTime":293.085,"body":"the "},{"speaker":"Speaker 3","startTime":293.086,"endTime":293.285,"body":"chief "},{"speaker":"Speaker 3","startTime":293.286,"endTime":293.765,"body":"marketing "},{"speaker":"Speaker 3","startTime":293.766,"endTime":294.005,"body":"officer "},{"speaker":"Speaker 3","startTime":294.145,"endTime":294.365,"body":"at "},{"speaker":"Speaker 3","startTime":294.366,"endTime":294.565,"body":"Live "},{"speaker":"Speaker 3","startTime":294.765,"endTime":294.765,"body":"Ox "},{"speaker":"Speaker 3","startTime":294.765,"endTime":294.765,"body":", "},{"speaker":"Speaker 3","startTime":294.766,"endTime":294.925,"body":"and "},{"speaker":"Speaker 3","startTime":294.926,"endTime":295.085,"body":"most "},{"speaker":"Speaker 3","startTime":295.086,"endTime":295.205,"body":"of "},{"speaker":"Speaker 3","startTime":295.206,"endTime":295.325,"body":"my "},{"speaker":"Speaker 3","startTime":295.485,"endTime":295.725,"body":"customers "},{"speaker":"Speaker 3","startTime":295.726,"endTime":295.845,"body":"who "},{"speaker":"Speaker 3","startTime":295.964,"endTime":295.964,"body":"were "},{"speaker":"Speaker 3","startTime":295.965,"endTime":296.085,"body":"debt "},{"speaker":"Speaker 3","startTime":296.086,"endTime":296.525,"body":"collectors "},{"speaker":"Speaker 3","startTime":296.526,"endTime":296.805,"body":"were "},{"speaker":"Speaker 3","startTime":296.806,"endTime":297.404,"body":"terrified "},{"speaker":"Speaker 3","startTime":297.405,"endTime":297.565,"body":"of "},{"speaker":"Speaker 3","startTime":297.566,"endTime":297.725,"body":"the "},{"speaker":"Speaker 3","startTime":298.404,"endTime":298.404,"body":"CFPB "},{"speaker":"Speaker 3","startTime":298.825,"endTime":299.045,"body":"and "},{"speaker":"Speaker 3","startTime":299.046,"endTime":299.285,"body":"what "},{"speaker":"Speaker 3","startTime":299.286,"endTime":299.485,"body":"it "},{"speaker":"Speaker 3","startTime":299.486,"endTime":299.685,"body":"might "},{"speaker":"Speaker 3","startTime":299.686,"endTime":299.885,"body":"mean "},{"speaker":"Speaker 3","startTime":299.886,"endTime":300.045,"body":"to "},{"speaker":"Speaker 3","startTime":300.046,"endTime":300.205,"body":"their "},{"speaker":"Speaker 3","startTime":300.445,"endTime":300.565,"body":"business. "},{"speaker":"Speaker 3","startTime":301.464,"endTime":301.685,"body":"And "},{"speaker":"Speaker 3","startTime":301.686,"endTime":301.885,"body":"then "},{"speaker":"Speaker 3","startTime":302.085,"endTime":302.205,"body":"I "},{"speaker":"Speaker 3","startTime":302.206,"endTime":302.365,"body":"guess "},{"speaker":"Speaker 3","startTime":302.725,"endTime":302.885,"body":"probably "},{"speaker":"Speaker 3","startTime":302.886,"endTime":303.085,"body":"about "},{"speaker":"Speaker 3","startTime":303.086,"endTime":303.765,"body":"2013, "},{"speaker":"Speaker 3","startTime":304.005,"endTime":304.125,"body":"I "},{"speaker":"Speaker 3","startTime":304.365,"endTime":304.445,"body":"realized "},{"speaker":"Speaker 3","startTime":304.475,"endTime":304.765,"body":"that "},{"speaker":"Speaker 3","startTime":304.875,"endTime":305.165,"body":"they "},{"speaker":"Speaker 3","startTime":305.166,"endTime":305.285,"body":"were "},{"speaker":"Speaker 3","startTime":305.286,"endTime":305.765,"body":"thinking "},{"speaker":"Speaker 3","startTime":305.766,"endTime":305.925,"body":"about "},{"speaker":"Speaker 3","startTime":306.035,"endTime":306.525,"body":"writing "},{"speaker":"Speaker 3","startTime":306.885,"endTime":307.005,"body":"a "},{"speaker":"Speaker 3","startTime":307.006,"endTime":307.725,"body":"implementing "},{"speaker":"Speaker 3","startTime":307.735,"endTime":308.404,"body":"regulation "},{"speaker":"Speaker 3","startTime":308.464,"endTime":308.685,"body":"for "},{"speaker":"Speaker 3","startTime":308.825,"endTime":309.045,"body":"the "},{"speaker":"Speaker 3","startTime":309.165,"endTime":309.365,"body":"Fair "},{"speaker":"Speaker 3","startTime":309.366,"endTime":309.565,"body":"Debt "},{"speaker":"Speaker 3","startTime":309.566,"endTime":310.005,"body":"Collection "},{"speaker":"Speaker 3","startTime":310.245,"endTime":310.565,"body":"Practices "},{"speaker":"Speaker 3","startTime":310.625,"endTime":310.845,"body":"Act, "},{"speaker":"Speaker 3","startTime":311.015,"endTime":311.365,"body":"which "},{"speaker":"Speaker 3","startTime":311.366,"endTime":311.645,"body":"covers "},{"speaker":"Speaker 3","startTime":311.705,"endTime":311.925,"body":"the "},{"speaker":"Speaker 3","startTime":312.085,"endTime":312.404,"body":"behaviors "},{"speaker":"Speaker 3","startTime":312.545,"endTime":312.765,"body":"of, "},{"speaker":"Speaker 3","startTime":312.904,"endTime":313.125,"body":"of "},{"speaker":"Speaker 3","startTime":313.195,"endTime":313.485,"body":"debt "},{"speaker":"Speaker 3","startTime":313.486,"endTime":314.005,"body":"collectors. "},{"speaker":"Speaker 3","startTime":314.385,"endTime":314.605,"body":"So "},{"speaker":"Speaker 3","startTime":314.654,"endTime":315.005,"body":"right "},{"speaker":"Speaker 3","startTime":315.006,"endTime":315.205,"body":"about "},{"speaker":"Speaker 3","startTime":315.206,"endTime":315.445,"body":"that "},{"speaker":"Speaker 3","startTime":315.446,"endTime":315.685,"body":"time, "},{"speaker":"Speaker 3","startTime":315.925,"endTime":316.045,"body":"I "},{"speaker":"Speaker 3","startTime":316.046,"endTime":316.205,"body":"got "},{"speaker":"Speaker 3","startTime":316.206,"endTime":316.325,"body":"a "},{"speaker":"Speaker 3","startTime":316.326,"endTime":316.525,"body":"call "},{"speaker":"Speaker 3","startTime":316.526,"endTime":316.765,"body":"from "},{"speaker":"Speaker 3","startTime":316.845,"endTime":316.964,"body":"a "},{"speaker":"Speaker 3","startTime":316.965,"endTime":317.125,"body":"friend "},{"speaker":"Speaker 3","startTime":317.126,"endTime":317.245,"body":"of "},{"speaker":"Speaker 3","startTime":317.246,"endTime":317.404,"body":"mine "},{"speaker":"Speaker 3","startTime":317.405,"endTime":317.605,"body":"who "},{"speaker":"Speaker 3","startTime":317.606,"endTime":317.765,"body":"worked "},{"speaker":"Speaker 3","startTime":317.766,"endTime":317.964,"body":"at "},{"speaker":"Speaker 3","startTime":317.965,"endTime":318.045,"body":"the "},{"speaker":"Speaker 3","startTime":318.125,"endTime":318.685,"body":"CFPB, "},{"speaker":"Speaker 3","startTime":318.825,"endTime":319.045,"body":"and "},{"speaker":"Speaker 3","startTime":319.404,"endTime":319.525,"body":"I "},{"speaker":"Speaker 3","startTime":319.526,"endTime":319.605,"body":"guess "},{"speaker":"Speaker 3","startTime":319.606,"endTime":319.765,"body":"he "},{"speaker":"Speaker 3","startTime":319.766,"endTime":320.045,"body":"wasn't "},{"speaker":"Speaker 3","startTime":320.046,"endTime":320.205,"body":"that "},{"speaker":"Speaker 3","startTime":320.206,"endTime":320.404,"body":"good "},{"speaker":"Speaker 3","startTime":320.405,"endTime":320.525,"body":"of "},{"speaker":"Speaker 3","startTime":320.526,"endTime":320.645,"body":"a "},{"speaker":"Speaker 3","startTime":320.646,"endTime":320.805,"body":"friend "},{"speaker":"Speaker 3","startTime":320.806,"endTime":321.085,"body":"because "},{"speaker":"Speaker 3","startTime":322.445,"endTime":322.735,"body":"Live "},{"speaker":"Speaker 3","startTime":322.895,"endTime":322.895,"body":"Ox "},{"speaker":"Speaker 3","startTime":322.895,"endTime":322.895,"body":", "},{"speaker":"Speaker 3","startTime":322.896,"endTime":323.095,"body":"we "},{"speaker":"Speaker 3","startTime":323.096,"endTime":323.415,"body":"would've "},{"speaker":"Speaker 3","startTime":323.416,"endTime":323.495,"body":"been "},{"speaker":"Speaker 3","startTime":323.815,"endTime":324.015,"body":"considered "},{"speaker":"Speaker 3","startTime":324.016,"endTime":324.135,"body":"a "},{"speaker":"Speaker 3","startTime":324.175,"endTime":324.735,"body":"servicer "},{"speaker":"Speaker 3","startTime":324.736,"endTime":324.895,"body":"for "},{"speaker":"Speaker 3","startTime":325.015,"endTime":325.135,"body":"a "},{"speaker":"Speaker 3","startTime":325.136,"endTime":325.335,"body":"large "},{"speaker":"Speaker 3","startTime":325.555,"endTime":325.975,"body":"market "},{"speaker":"Speaker 3","startTime":326.085,"endTime":326.375,"body":"debt "},{"speaker":"Speaker 3","startTime":326.376,"endTime":327.015,"body":"collectors. "},{"speaker":"Speaker 3","startTime":327.154,"endTime":327.375,"body":"But "},{"speaker":"Speaker 3","startTime":327.495,"endTime":327.654,"body":"in "},{"speaker":"Speaker 3","startTime":327.655,"endTime":328.255,"body":"2013, "},{"speaker":"Speaker 3","startTime":328.355,"endTime":328.575,"body":"he "},{"speaker":"Speaker 3","startTime":328.576,"endTime":328.855,"body":"called "},{"speaker":"Speaker 3","startTime":328.856,"endTime":329.055,"body":"me "},{"speaker":"Speaker 3","startTime":329.115,"endTime":329.335,"body":"and "},{"speaker":"Speaker 3","startTime":329.336,"endTime":329.535,"body":"said, "},{"speaker":"Speaker 3","startTime":329.536,"endTime":329.735,"body":"the "},{"speaker":"Speaker 3","startTime":330.375,"endTime":330.375,"body":"CFPB "},{"speaker":"Speaker 3","startTime":330.376,"endTime":330.615,"body":"wants "},{"speaker":"Speaker 3","startTime":330.616,"endTime":330.815,"body":"to "},{"speaker":"Speaker 3","startTime":330.816,"endTime":331.015,"body":"talk "},{"speaker":"Speaker 3","startTime":331.016,"endTime":331.175,"body":"to "},{"speaker":"Speaker 3","startTime":331.176,"endTime":331.335,"body":"you, "},{"speaker":"Speaker 3","startTime":331.404,"endTime":331.695,"body":"John, "},{"speaker":"Speaker 3","startTime":331.925,"endTime":332.214,"body":"full "},{"speaker":"Speaker 3","startTime":332.215,"endTime":332.495,"body":"stop. "},{"speaker":"Speaker 3","startTime":333.705,"endTime":333.925,"body":"And "},{"speaker":"Speaker 3","startTime":334.665,"endTime":334.885,"body":"he "},{"speaker":"Speaker 3","startTime":334.995,"endTime":335.285,"body":"left "},{"speaker":"Speaker 3","startTime":335.286,"endTime":335.485,"body":"it "},{"speaker":"Speaker 3","startTime":335.486,"endTime":335.845,"body":"hanging "},{"speaker":"Speaker 3","startTime":335.855,"endTime":336.205,"body":"there. "},{"speaker":"Speaker 3","startTime":336.904,"endTime":337.125,"body":"And "},{"speaker":"Speaker 3","startTime":337.765,"endTime":337.885,"body":"I "},{"speaker":"Speaker 3","startTime":338.315,"endTime":338.605,"body":"like, "},{"speaker":"Speaker 3","startTime":339.045,"endTime":339.165,"body":"I "},{"speaker":"Speaker 3","startTime":339.166,"endTime":339.325,"body":"think "},{"speaker":"Speaker 3","startTime":339.425,"endTime":339.645,"body":"in "},{"speaker":"Speaker 3","startTime":339.646,"endTime":339.885,"body":"that "},{"speaker":"Speaker 3","startTime":339.904,"endTime":340.325,"body":"30 "},{"speaker":"Speaker 3","startTime":340.326,"endTime":340.765,"body":"seconds, "},{"speaker":"Speaker 3","startTime":340.985,"endTime":341.205,"body":"it "},{"speaker":"Speaker 3","startTime":341.206,"endTime":341.285,"body":"was "},{"speaker":"Speaker 3","startTime":341.445,"endTime":341.525,"body":"probably "},{"speaker":"Speaker 3","startTime":341.526,"endTime":341.645,"body":"only "},{"speaker":"Speaker 3","startTime":341.646,"endTime":341.805,"body":"10, "},{"speaker":"Speaker 3","startTime":341.806,"endTime":341.964,"body":"but "},{"speaker":"Speaker 3","startTime":341.965,"endTime":342.045,"body":"it "},{"speaker":"Speaker 3","startTime":342.046,"endTime":342.205,"body":"felt "},{"speaker":"Speaker 3","startTime":342.206,"endTime":342.365,"body":"like "},{"speaker":"Speaker 3","startTime":342.366,"endTime":342.605,"body":"30 "},{"speaker":"Speaker 3","startTime":342.875,"endTime":343.365,"body":"seconds "},{"speaker":"Speaker 3","startTime":343.505,"endTime":343.725,"body":"or "},{"speaker":"Speaker 3","startTime":343.925,"endTime":344.045,"body":"a "},{"speaker":"Speaker 3","startTime":344.046,"endTime":344.205,"body":"full "},{"speaker":"Speaker 3","startTime":344.206,"endTime":344.404,"body":"minute, "},{"speaker":"Speaker 3","startTime":345.045,"endTime":345.165,"body":"I "},{"speaker":"Speaker 3","startTime":345.845,"endTime":345.964,"body":"mentally "},{"speaker":"Speaker 3","startTime":346.325,"endTime":346.645,"body":"replayed "},{"speaker":"Speaker 3","startTime":346.725,"endTime":347.045,"body":"every "},{"speaker":"Speaker 3","startTime":347.285,"endTime":347.605,"body":"egregious "},{"speaker":"Speaker 3","startTime":347.606,"endTime":347.765,"body":"thing "},{"speaker":"Speaker 3","startTime":347.845,"endTime":347.964,"body":"I "},{"speaker":"Speaker 3","startTime":348.005,"endTime":348.005,"body":"had "},{"speaker":"Speaker 3","startTime":348.006,"endTime":348.125,"body":"done "},{"speaker":"Speaker 3","startTime":348.126,"endTime":348.404,"body":"since "},{"speaker":"Speaker 3","startTime":348.405,"endTime":348.925,"body":"kindergarten "},{"speaker":"Speaker 3","startTime":349.404,"endTime":349.445,"body":"\u003claugh\u003e. "},{"speaker":"Speaker 3","startTime":350.865,"endTime":351.085,"body":"And "},{"speaker":"Speaker 3","startTime":351.086,"endTime":351.245,"body":"then, "},{"speaker":"Speaker 3","startTime":351.665,"endTime":351.885,"body":"and "},{"speaker":"Speaker 3","startTime":351.886,"endTime":352.045,"body":"then "},{"speaker":"Speaker 3","startTime":353.245,"endTime":353.245,"body":"this "},{"speaker":"Speaker 3","startTime":353.246,"endTime":353.485,"body":"friend "},{"speaker":"Speaker 3","startTime":353.635,"endTime":353.925,"body":"said, "},{"speaker":"Speaker 3","startTime":353.945,"endTime":354.365,"body":"listen, "},{"speaker":"Speaker 3","startTime":354.805,"endTime":354.925,"body":"I "},{"speaker":"Speaker 3","startTime":354.926,"endTime":355.045,"body":"am "},{"speaker":"Speaker 3","startTime":355.046,"endTime":355.365,"body":"leaving "},{"speaker":"Speaker 3","startTime":355.385,"endTime":355.605,"body":"the "},{"speaker":"Speaker 3","startTime":356.245,"endTime":356.245,"body":"CFPB "},{"speaker":"Speaker 3","startTime":356.245,"endTime":356.245,"body":", "},{"speaker":"Speaker 3","startTime":356.525,"endTime":356.645,"body":"I "},{"speaker":"Speaker 3","startTime":356.725,"endTime":356.725,"body":"am "},{"speaker":"Speaker 3","startTime":356.726,"endTime":356.925,"body":"the "},{"speaker":"Speaker 3","startTime":356.925,"endTime":356.925,"body":", "},{"speaker":"Speaker 3","startTime":357.245,"endTime":357.245,"body":"uh, "},{"speaker":"Speaker 3","startTime":357.275,"endTime":357.565,"body":"debt "},{"speaker":"Speaker 3","startTime":357.566,"endTime":358.045,"body":"collections "},{"speaker":"Speaker 3","startTime":358.046,"endTime":358.325,"body":"program "},{"speaker":"Speaker 3","startTime":358.326,"endTime":358.765,"body":"manager. "},{"speaker":"Speaker 3","startTime":358.795,"endTime":359.085,"body":"This "},{"speaker":"Speaker 3","startTime":359.086,"endTime":359.245,"body":"job "},{"speaker":"Speaker 3","startTime":359.246,"endTime":359.445,"body":"is "},{"speaker":"Speaker 3","startTime":359.446,"endTime":359.685,"body":"ideal "},{"speaker":"Speaker 3","startTime":359.686,"endTime":359.885,"body":"for "},{"speaker":"Speaker 3","startTime":359.886,"endTime":360.005,"body":"you. "},{"speaker":"Speaker 3","startTime":360.025,"endTime":360.245,"body":"You "},{"speaker":"Speaker 3","startTime":360.246,"endTime":360.404,"body":"should "},{"speaker":"Speaker 3","startTime":360.405,"endTime":360.685,"body":"apply. "},{"speaker":"Speaker 3","startTime":361.105,"endTime":361.325,"body":"And "},{"speaker":"Speaker 3","startTime":361.326,"endTime":361.485,"body":"so "},{"speaker":"Speaker 3","startTime":361.685,"endTime":361.805,"body":"I, "},{"speaker":"Speaker 3","startTime":362.005,"endTime":362.125,"body":"I "},{"speaker":"Speaker 3","startTime":362.126,"endTime":362.325,"body":"looked "},{"speaker":"Speaker 3","startTime":362.345,"endTime":362.565,"body":"at "},{"speaker":"Speaker 3","startTime":362.566,"endTime":362.765,"body":"it, "},{"speaker":"Speaker 3","startTime":362.915,"endTime":363.205,"body":"what "},{"speaker":"Speaker 3","startTime":363.206,"endTime":363.404,"body":"was "},{"speaker":"Speaker 3","startTime":363.405,"endTime":363.805,"body":"entailed "},{"speaker":"Speaker 3","startTime":363.806,"endTime":363.964,"body":"in "},{"speaker":"Speaker 3","startTime":363.965,"endTime":364.045,"body":"the "},{"speaker":"Speaker 3","startTime":364.046,"endTime":364.205,"body":"job, "},{"speaker":"Speaker 3","startTime":364.404,"endTime":364.404,"body":"and "},{"speaker":"Speaker 3","startTime":364.404,"endTime":364.404,"body":", "},{"speaker":"Speaker 3","startTime":364.405,"endTime":364.565,"body":"and "},{"speaker":"Speaker 3","startTime":364.566,"endTime":364.645,"body":"then "},{"speaker":"Speaker 3","startTime":364.646,"endTime":364.765,"body":"I "},{"speaker":"Speaker 3","startTime":364.766,"endTime":364.885,"body":"looked "},{"speaker":"Speaker 3","startTime":364.886,"endTime":365.045,"body":"at "},{"speaker":"Speaker 3","startTime":365.046,"endTime":365.165,"body":"my "},{"speaker":"Speaker 3","startTime":365.365,"endTime":365.525,"body":"LinkedIn "},{"speaker":"Speaker 3","startTime":365.526,"endTime":365.685,"body":"and "},{"speaker":"Speaker 3","startTime":365.686,"endTime":365.765,"body":"I "},{"speaker":"Speaker 3","startTime":365.766,"endTime":365.885,"body":"thought, "},{"speaker":"Speaker 3","startTime":365.886,"endTime":366.045,"body":"oh "},{"speaker":"Speaker 3","startTime":366.046,"endTime":366.205,"body":"my "},{"speaker":"Speaker 3","startTime":366.206,"endTime":366.365,"body":"gosh, "},{"speaker":"Speaker 3","startTime":366.835,"endTime":367.125,"body":"this "},{"speaker":"Speaker 3","startTime":367.265,"endTime":367.485,"body":"job "},{"speaker":"Speaker 3","startTime":367.675,"endTime":367.964,"body":"sort "},{"speaker":"Speaker 3","startTime":367.965,"endTime":368.085,"body":"of "},{"speaker":"Speaker 3","startTime":368.464,"endTime":368.685,"body":"is "},{"speaker":"Speaker 3","startTime":368.686,"endTime":369.125,"body":"literally "},{"speaker":"Speaker 3","startTime":369.126,"endTime":369.404,"body":"written "},{"speaker":"Speaker 3","startTime":369.455,"endTime":369.805,"body":"based "},{"speaker":"Speaker 3","startTime":369.806,"endTime":370.005,"body":"on "},{"speaker":"Speaker 3","startTime":370.006,"endTime":370.205,"body":"my "},{"speaker":"Speaker 3","startTime":370.206,"endTime":370.805,"body":"experience "},{"speaker":"Speaker 3","startTime":371.005,"endTime":371.005,"body":"and "},{"speaker":"Speaker 3","startTime":371.006,"endTime":371.165,"body":"my "},{"speaker":"Speaker 3","startTime":371.166,"endTime":371.645,"body":"professional "},{"speaker":"Speaker 3","startTime":371.646,"endTime":372.045,"body":"journey "},{"speaker":"Speaker 3","startTime":372.225,"endTime":372.445,"body":"and "},{"speaker":"Speaker 3","startTime":372.475,"endTime":372.765,"body":"what "},{"speaker":"Speaker 3","startTime":372.766,"endTime":372.845,"body":"I "},{"speaker":"Speaker 3","startTime":372.846,"endTime":373.045,"body":"want "},{"speaker":"Speaker 3","startTime":373.046,"endTime":373.205,"body":"to "},{"speaker":"Speaker 3","startTime":373.206,"endTime":373.365,"body":"do. "},{"speaker":"Speaker 3","startTime":374.745,"endTime":374.964,"body":"And "},{"speaker":"Speaker 3","startTime":375.345,"endTime":375.565,"body":"so "},{"speaker":"Speaker 3","startTime":375.925,"endTime":376.045,"body":"I "},{"speaker":"Speaker 3","startTime":376.046,"endTime":376.325,"body":"applied "},{"speaker":"Speaker 3","startTime":376.395,"endTime":376.685,"body":"that "},{"speaker":"Speaker 3","startTime":376.686,"endTime":376.845,"body":"was, "},{"speaker":"Speaker 3","startTime":377.245,"endTime":377.365,"body":"I "},{"speaker":"Speaker 3","startTime":377.366,"endTime":377.565,"body":"got "},{"speaker":"Speaker 3","startTime":377.566,"endTime":377.685,"body":"the "},{"speaker":"Speaker 3","startTime":377.686,"endTime":377.845,"body":"job, "},{"speaker":"Speaker 3","startTime":378.365,"endTime":378.365,"body":"actually "},{"speaker":"Speaker 3","startTime":378.515,"endTime":378.805,"body":"went "},{"speaker":"Speaker 3","startTime":378.806,"endTime":378.925,"body":"home "},{"speaker":"Speaker 3","startTime":379.125,"endTime":379.125,"body":"and "},{"speaker":"Speaker 3","startTime":379.645,"endTime":379.765,"body":"I "},{"speaker":"Speaker 3","startTime":379.766,"endTime":379.925,"body":"said "},{"speaker":"Speaker 3","startTime":379.926,"endTime":380.045,"body":"to "},{"speaker":"Speaker 3","startTime":380.046,"endTime":380.165,"body":"my "},{"speaker":"Speaker 3","startTime":380.166,"endTime":380.365,"body":"wife, "},{"speaker":"Speaker 3","startTime":380.395,"endTime":380.685,"body":"what "},{"speaker":"Speaker 3","startTime":380.686,"endTime":380.805,"body":"do "},{"speaker":"Speaker 3","startTime":380.806,"endTime":380.885,"body":"you "},{"speaker":"Speaker 3","startTime":380.886,"endTime":381.005,"body":"think "},{"speaker":"Speaker 3","startTime":381.006,"endTime":381.245,"body":"about "},{"speaker":"Speaker 3","startTime":381.246,"endTime":381.485,"body":"giving "},{"speaker":"Speaker 3","startTime":381.505,"endTime":381.925,"body":"myself "},{"speaker":"Speaker 3","startTime":382.045,"endTime":382.165,"body":"a "},{"speaker":"Speaker 3","startTime":382.166,"endTime":382.365,"body":"huge "},{"speaker":"Speaker 3","startTime":382.425,"endTime":382.645,"body":"pay "},{"speaker":"Speaker 3","startTime":382.646,"endTime":382.845,"body":"cut "},{"speaker":"Speaker 3","startTime":383.065,"endTime":383.285,"body":"and "},{"speaker":"Speaker 3","startTime":383.286,"endTime":383.485,"body":"moving "},{"speaker":"Speaker 3","startTime":383.486,"endTime":383.685,"body":"to "},{"speaker":"Speaker 3","startTime":383.686,"endTime":383.765,"body":"a "},{"speaker":"Speaker 3","startTime":383.766,"endTime":383.885,"body":"higher "},{"speaker":"Speaker 3","startTime":383.886,"endTime":384.165,"body":"cost "},{"speaker":"Speaker 3","startTime":384.166,"endTime":384.325,"body":"of "},{"speaker":"Speaker 3","startTime":384.326,"endTime":384.485,"body":"Living "},{"speaker":"Speaker 3","startTime":384.555,"endTime":384.845,"body":"City "},{"speaker":"Speaker 3","startTime":385.145,"endTime":385.365,"body":"to "},{"speaker":"Speaker 3","startTime":385.366,"endTime":385.525,"body":"do "},{"speaker":"Speaker 3","startTime":385.526,"endTime":385.765,"body":"policy "},{"speaker":"Speaker 3","startTime":385.835,"endTime":386.125,"body":"work? "},{"speaker":"Speaker 3","startTime":386.585,"endTime":386.805,"body":"And "},{"speaker":"Speaker 3","startTime":386.806,"endTime":386.964,"body":"she "},{"speaker":"Speaker 3","startTime":386.965,"endTime":387.165,"body":"looked "},{"speaker":"Speaker 3","startTime":387.166,"endTime":387.285,"body":"at "},{"speaker":"Speaker 3","startTime":387.286,"endTime":387.445,"body":"me "},{"speaker":"Speaker 3","startTime":387.446,"endTime":387.605,"body":"and "},{"speaker":"Speaker 3","startTime":387.606,"endTime":387.765,"body":"she "},{"speaker":"Speaker 3","startTime":387.766,"endTime":387.964,"body":"said, "},{"speaker":"Speaker 3","startTime":388.225,"endTime":388.445,"body":"she "},{"speaker":"Speaker 3","startTime":388.446,"endTime":388.645,"body":"said, "},{"speaker":"Speaker 3","startTime":388.665,"endTime":388.885,"body":"go "},{"speaker":"Speaker 3","startTime":388.886,"endTime":389.085,"body":"for "},{"speaker":"Speaker 3","startTime":389.086,"endTime":389.205,"body":"it. "},{"speaker":"Speaker 3","startTime":389.625,"endTime":389.845,"body":"And "},{"speaker":"Speaker 3","startTime":389.845,"endTime":389.845,"body":", "},{"speaker":"Speaker 3","startTime":390.725,"endTime":390.725,"body":"um, "},{"speaker":"Speaker 3","startTime":390.865,"endTime":391.085,"body":"so, "},{"speaker":"Speaker 3","startTime":391.185,"endTime":391.404,"body":"so "},{"speaker":"Speaker 3","startTime":391.405,"endTime":391.525,"body":"I "},{"speaker":"Speaker 3","startTime":391.526,"endTime":391.685,"body":"did, "},{"speaker":"Speaker 3","startTime":391.725,"endTime":391.845,"body":"I "},{"speaker":"Speaker 3","startTime":391.846,"endTime":392.005,"body":"applied "},{"speaker":"Speaker 3","startTime":392.006,"endTime":392.205,"body":"for "},{"speaker":"Speaker 3","startTime":392.206,"endTime":392.325,"body":"the "},{"speaker":"Speaker 3","startTime":392.326,"endTime":392.404,"body":"job "},{"speaker":"Speaker 3","startTime":392.405,"endTime":392.964,"body":"eventually "},{"speaker":"Speaker 3","startTime":393.005,"endTime":393.125,"body":"I "},{"speaker":"Speaker 3","startTime":393.126,"endTime":393.325,"body":"got "},{"speaker":"Speaker 3","startTime":393.326,"endTime":393.485,"body":"it. "},{"speaker":"Speaker 3","startTime":393.964,"endTime":394.085,"body":"I "},{"speaker":"Speaker 3","startTime":394.086,"endTime":394.245,"body":"started "},{"speaker":"Speaker 3","startTime":394.345,"endTime":394.565,"body":"in "},{"speaker":"Speaker 3","startTime":394.795,"endTime":395.085,"body":"June "},{"speaker":"Speaker 3","startTime":395.305,"endTime":395.525,"body":"of "},{"speaker":"Speaker 3","startTime":395.955,"endTime":396.245,"body":"late "},{"speaker":"Speaker 3","startTime":396.246,"endTime":396.445,"body":"June "},{"speaker":"Speaker 3","startTime":396.446,"endTime":396.605,"body":"of "},{"speaker":"Speaker 3","startTime":396.606,"endTime":397.285,"body":"2014 "},{"speaker":"Speaker 3","startTime":397.665,"endTime":397.885,"body":"as "},{"speaker":"Speaker 3","startTime":397.904,"endTime":398.125,"body":"the "},{"speaker":"Speaker 3","startTime":398.154,"endTime":398.445,"body":"debt "},{"speaker":"Speaker 3","startTime":398.446,"endTime":398.845,"body":"collections "},{"speaker":"Speaker 3","startTime":398.846,"endTime":399.125,"body":"program "},{"speaker":"Speaker 3","startTime":399.126,"endTime":399.525,"body":"manager "},{"speaker":"Speaker 3","startTime":399.675,"endTime":400.165,"body":"working "},{"speaker":"Speaker 3","startTime":400.225,"endTime":400.445,"body":"on "},{"speaker":"Speaker 3","startTime":400.495,"endTime":401.165,"body":"Regulation "},{"speaker":"Speaker 3","startTime":401.365,"endTime":401.485,"body":"F "},{"speaker":"Speaker 3","startTime":401.515,"endTime":402.005,"body":"working "},{"speaker":"Speaker 3","startTime":402.065,"endTime":402.285,"body":"on "},{"speaker":"Speaker 3","startTime":402.295,"endTime":402.964,"body":"monitoring "},{"speaker":"Speaker 3","startTime":403.025,"endTime":403.245,"body":"and "},{"speaker":"Speaker 3","startTime":403.525,"endTime":403.645,"body":"watching "},{"speaker":"Speaker 3","startTime":403.646,"endTime":403.805,"body":"for "},{"speaker":"Speaker 3","startTime":403.825,"endTime":404.045,"body":"bad "},{"speaker":"Speaker 3","startTime":404.245,"endTime":404.445,"body":"behavior "},{"speaker":"Speaker 3","startTime":404.904,"endTime":405.125,"body":"and "},{"speaker":"Speaker 3","startTime":405.225,"endTime":405.445,"body":"bad "},{"speaker":"Speaker 3","startTime":405.645,"endTime":405.805,"body":"consumer "},{"speaker":"Speaker 3","startTime":406.085,"endTime":406.205,"body":"outcomes "},{"speaker":"Speaker 3","startTime":406.206,"endTime":406.404,"body":"in "},{"speaker":"Speaker 3","startTime":406.405,"endTime":406.525,"body":"the "},{"speaker":"Speaker 3","startTime":406.526,"endTime":406.645,"body":"debt "},{"speaker":"Speaker 3","startTime":406.646,"endTime":407.045,"body":"collection "},{"speaker":"Speaker 3","startTime":407.046,"endTime":407.325,"body":"space. "},{"speaker":"Speaker 3","startTime":407.545,"endTime":407.765,"body":"And "},{"speaker":"Speaker 3","startTime":407.885,"endTime":407.885,"body":"then "},{"speaker":"Speaker 3","startTime":408.025,"endTime":408.245,"body":"at "},{"speaker":"Speaker 3","startTime":408.246,"endTime":408.365,"body":"the "},{"speaker":"Speaker 3","startTime":408.366,"endTime":408.485,"body":"time, "},{"speaker":"Speaker 3","startTime":408.605,"endTime":408.725,"body":"I, "},{"speaker":"Speaker 3","startTime":408.765,"endTime":408.885,"body":"I "},{"speaker":"Speaker 3","startTime":408.886,"endTime":409.005,"body":"thought, "},{"speaker":"Speaker 3","startTime":409.006,"endTime":409.205,"body":"wait "},{"speaker":"Speaker 3","startTime":409.206,"endTime":409.325,"body":"a "},{"speaker":"Speaker 3","startTime":409.326,"endTime":409.404,"body":"minute, "},{"speaker":"Speaker 3","startTime":409.485,"endTime":409.605,"body":"I "},{"speaker":"Speaker 3","startTime":409.805,"endTime":409.805,"body":"wanna "},{"speaker":"Speaker 3","startTime":409.806,"endTime":410.045,"body":"deal "},{"speaker":"Speaker 3","startTime":410.065,"endTime":410.285,"body":"not "},{"speaker":"Speaker 3","startTime":410.286,"endTime":410.404,"body":"just "},{"speaker":"Speaker 3","startTime":410.405,"endTime":410.565,"body":"with, "},{"speaker":"Speaker 3","startTime":410.635,"endTime":410.925,"body":"with "},{"speaker":"Speaker 3","startTime":410.935,"endTime":411.285,"body":"folks "},{"speaker":"Speaker 3","startTime":411.286,"endTime":411.445,"body":"who "},{"speaker":"Speaker 3","startTime":411.565,"endTime":411.565,"body":"are "},{"speaker":"Speaker 3","startTime":411.566,"endTime":411.725,"body":"dealing "},{"speaker":"Speaker 3","startTime":411.726,"endTime":411.925,"body":"with "},{"speaker":"Speaker 3","startTime":412.165,"endTime":412.325,"body":"debt "},{"speaker":"Speaker 3","startTime":412.326,"endTime":412.765,"body":"collectors, "},{"speaker":"Speaker 3","startTime":413.025,"endTime":413.245,"body":"but "},{"speaker":"Speaker 3","startTime":413.305,"endTime":413.525,"body":"I'm "},{"speaker":"Speaker 3","startTime":413.526,"endTime":413.805,"body":"also "},{"speaker":"Speaker 3","startTime":413.806,"endTime":414.125,"body":"interested "},{"speaker":"Speaker 3","startTime":414.185,"endTime":414.404,"body":"in "},{"speaker":"Speaker 3","startTime":414.464,"endTime":414.685,"body":"any "},{"speaker":"Speaker 3","startTime":414.925,"endTime":415.125,"body":"consumer "},{"speaker":"Speaker 3","startTime":415.126,"endTime":415.525,"body":"that's "},{"speaker":"Speaker 3","startTime":415.526,"endTime":415.725,"body":"sort "},{"speaker":"Speaker 3","startTime":415.726,"endTime":415.845,"body":"of "},{"speaker":"Speaker 3","startTime":416.065,"endTime":416.485,"body":"facing "},{"speaker":"Speaker 3","startTime":416.595,"endTime":416.885,"body":"that "},{"speaker":"Speaker 3","startTime":416.886,"endTime":417.165,"body":"tough "},{"speaker":"Speaker 3","startTime":417.445,"endTime":417.685,"body":"decision, "},{"speaker":"Speaker 3","startTime":417.964,"endTime":418.525,"body":"thinking "},{"speaker":"Speaker 3","startTime":418.526,"endTime":418.725,"body":"about "},{"speaker":"Speaker 3","startTime":418.735,"endTime":419.404,"body":"bankruptcy. "},{"speaker":"Speaker 3","startTime":419.915,"endTime":420.205,"body":"They "},{"speaker":"Speaker 3","startTime":420.206,"endTime":420.485,"body":"might "},{"speaker":"Speaker 3","startTime":420.486,"endTime":420.685,"body":"be "},{"speaker":"Speaker 3","startTime":421.005,"endTime":421.565,"body":"thinking "},{"speaker":"Speaker 3","startTime":421.566,"endTime":421.685,"body":"about "},{"speaker":"Speaker 3","startTime":421.686,"endTime":421.925,"body":"going "},{"speaker":"Speaker 3","startTime":421.926,"endTime":422.085,"body":"to "},{"speaker":"Speaker 3","startTime":422.086,"endTime":422.285,"body":"credit "},{"speaker":"Speaker 3","startTime":422.345,"endTime":422.765,"body":"repair "},{"speaker":"Speaker 3","startTime":423.025,"endTime":423.245,"body":"or "},{"speaker":"Speaker 3","startTime":423.535,"endTime":424.205,"body":"for-profit "},{"speaker":"Speaker 3","startTime":424.275,"endTime":424.565,"body":"debt "},{"speaker":"Speaker 3","startTime":424.566,"endTime":425.045,"body":"settlement, "},{"speaker":"Speaker 3","startTime":425.065,"endTime":425.285,"body":"or "},{"speaker":"Speaker 3","startTime":425.765,"endTime":425.765,"body":"non-profit "},{"speaker":"Speaker 3","startTime":426.125,"endTime":426.205,"body":"consumer "},{"speaker":"Speaker 3","startTime":426.206,"endTime":426.485,"body":"credit "},{"speaker":"Speaker 3","startTime":426.486,"endTime":426.885,"body":"counselors, "},{"speaker":"Speaker 3","startTime":427.045,"endTime":427.045,"body":"that "},{"speaker":"Speaker 3","startTime":427.046,"endTime":427.285,"body":"just "},{"speaker":"Speaker 3","startTime":427.505,"endTime":427.925,"body":"really, "},{"speaker":"Speaker 3","startTime":427.926,"endTime":428.205,"body":"really "},{"speaker":"Speaker 3","startTime":428.206,"endTime":428.725,"body":"vulnerable "},{"speaker":"Speaker 3","startTime":429.415,"endTime":430.085,"body":"population "},{"speaker":"Speaker 3","startTime":430.086,"endTime":430.285,"body":"that's "},{"speaker":"Speaker 3","startTime":430.286,"endTime":430.685,"body":"making "},{"speaker":"Speaker 3","startTime":430.885,"endTime":431.205,"body":"tough "},{"speaker":"Speaker 3","startTime":431.445,"endTime":431.725,"body":"decisions. "},{"speaker":"Speaker 3","startTime":432.025,"endTime":432.245,"body":"So "},{"speaker":"Speaker 3","startTime":432.246,"endTime":432.405,"body":"we "},{"speaker":"Speaker 3","startTime":432.645,"endTime":432.765,"body":"expanded "},{"speaker":"Speaker 3","startTime":432.785,"endTime":433.005,"body":"the "},{"speaker":"Speaker 3","startTime":433.006,"endTime":433.165,"body":"market "},{"speaker":"Speaker 3","startTime":433.166,"endTime":433.765,"body":"monitoring "},{"speaker":"Speaker 3","startTime":433.965,"endTime":433.965,"body":"and "},{"speaker":"Speaker 3","startTime":433.966,"endTime":434.205,"body":"debt "},{"speaker":"Speaker 3","startTime":434.206,"endTime":434.685,"body":"settlement "},{"speaker":"Speaker 3","startTime":434.686,"endTime":434.885,"body":"debt "},{"speaker":"Speaker 3","startTime":434.886,"endTime":435.285,"body":"relief "},{"speaker":"Speaker 3","startTime":435.815,"endTime":436.165,"body":"while "},{"speaker":"Speaker 3","startTime":436.205,"endTime":436.325,"body":"I "},{"speaker":"Speaker 3","startTime":436.326,"endTime":436.485,"body":"was "},{"speaker":"Speaker 3","startTime":436.486,"endTime":436.725,"body":"there. "},{"speaker":"Speaker 3","startTime":436.825,"endTime":437.045,"body":"And "},{"speaker":"Speaker 3","startTime":437.046,"endTime":437.205,"body":"then "},{"speaker":"Speaker 3","startTime":437.945,"endTime":438.165,"body":"my "},{"speaker":"Speaker 3","startTime":438.166,"endTime":438.445,"body":"boss "},{"speaker":"Speaker 3","startTime":438.915,"endTime":439.205,"body":"left "},{"speaker":"Speaker 3","startTime":439.745,"endTime":439.965,"body":"the "},{"speaker":"Speaker 3","startTime":440.685,"endTime":440.685,"body":"CFPB "},{"speaker":"Speaker 3","startTime":440.685,"endTime":440.685,"body":". "},{"speaker":"Speaker 3","startTime":440.905,"endTime":441.125,"body":"And "},{"speaker":"Speaker 3","startTime":441.225,"endTime":441.445,"body":"my, "},{"speaker":"Speaker 3","startTime":441.545,"endTime":441.765,"body":"my, "},{"speaker":"Speaker 3","startTime":441.865,"endTime":442.085,"body":"my "},{"speaker":"Speaker 3","startTime":442.086,"endTime":442.325,"body":"boss "},{"speaker":"Speaker 3","startTime":442.326,"endTime":442.525,"body":"at "},{"speaker":"Speaker 3","startTime":442.526,"endTime":442.645,"body":"the "},{"speaker":"Speaker 3","startTime":442.646,"endTime":442.765,"body":"time, "},{"speaker":"Speaker 3","startTime":442.766,"endTime":443.045,"body":"David "},{"speaker":"Speaker 3","startTime":443.155,"endTime":443.765,"body":"Silverman, "},{"speaker":"Speaker 3","startTime":444.645,"endTime":444.885,"body":"encouraged "},{"speaker":"Speaker 3","startTime":444.886,"endTime":445.045,"body":"me "},{"speaker":"Speaker 3","startTime":445.046,"endTime":445.205,"body":"to "},{"speaker":"Speaker 3","startTime":445.206,"endTime":445.485,"body":"apply "},{"speaker":"Speaker 3","startTime":445.486,"endTime":445.685,"body":"for "},{"speaker":"Speaker 3","startTime":445.686,"endTime":445.765,"body":"the "},{"speaker":"Speaker 3","startTime":445.766,"endTime":446.125,"body":"assistant "},{"speaker":"Speaker 3","startTime":446.365,"endTime":446.445,"body":"director "},{"speaker":"Speaker 3","startTime":446.446,"endTime":446.645,"body":"job. "},{"speaker":"Speaker 3","startTime":446.646,"endTime":446.765,"body":"And "},{"speaker":"Speaker 3","startTime":446.766,"endTime":446.965,"body":"it's, "},{"speaker":"Speaker 3","startTime":446.966,"endTime":447.165,"body":"it's "},{"speaker":"Speaker 3","startTime":447.166,"endTime":447.405,"body":"funny, "},{"speaker":"Speaker 3","startTime":447.605,"endTime":447.725,"body":"I "},{"speaker":"Speaker 3","startTime":447.726,"endTime":448.085,"body":"really "},{"speaker":"Speaker 3","startTime":448.086,"endTime":448.365,"body":"thought "},{"speaker":"Speaker 3","startTime":448.405,"endTime":448.525,"body":"I "},{"speaker":"Speaker 3","startTime":448.526,"endTime":448.725,"body":"wasn't "},{"speaker":"Speaker 3","startTime":448.965,"endTime":449.085,"body":"worthy. "},{"speaker":"Speaker 3","startTime":449.435,"endTime":449.725,"body":"It's "},{"speaker":"Speaker 3","startTime":449.726,"endTime":449.845,"body":"like "},{"speaker":"Speaker 3","startTime":450.215,"endTime":450.565,"body":"David, "},{"speaker":"Speaker 3","startTime":450.815,"endTime":451.165,"body":"David "},{"speaker":"Speaker 3","startTime":451.385,"endTime":451.605,"body":"was "},{"speaker":"Speaker 3","startTime":451.805,"endTime":451.925,"body":"a "},{"speaker":"Speaker 3","startTime":451.926,"endTime":452.125,"body":"Harvard "},{"speaker":"Speaker 3","startTime":452.585,"endTime":452.805,"body":"JD "},{"speaker":"Speaker 3","startTime":453.665,"endTime":453.885,"body":"had "},{"speaker":"Speaker 3","startTime":453.886,"endTime":454.085,"body":"done "},{"speaker":"Speaker 3","startTime":454.086,"endTime":454.285,"body":"really "},{"speaker":"Speaker 3","startTime":454.286,"endTime":454.525,"body":"well "},{"speaker":"Speaker 3","startTime":454.785,"endTime":455.005,"body":"in "},{"speaker":"Speaker 3","startTime":455.006,"endTime":455.125,"body":"the "},{"speaker":"Speaker 3","startTime":455.126,"endTime":455.365,"body":"credit "},{"speaker":"Speaker 3","startTime":455.366,"endTime":455.645,"body":"card "},{"speaker":"Speaker 3","startTime":455.925,"endTime":456.085,"body":"industry. "},{"speaker":"Speaker 3","startTime":456.145,"endTime":456.365,"body":"He "},{"speaker":"Speaker 3","startTime":456.366,"endTime":456.485,"body":"had "},{"speaker":"Speaker 3","startTime":456.486,"endTime":456.845,"body":"clerked "},{"speaker":"Speaker 3","startTime":456.846,"endTime":456.965,"body":"for "},{"speaker":"Speaker 3","startTime":456.966,"endTime":457.325,"body":"Thurgood "},{"speaker":"Speaker 3","startTime":457.565,"endTime":457.725,"body":"Marshall, "},{"speaker":"Speaker 3","startTime":458.145,"endTime":458.365,"body":"and "},{"speaker":"Speaker 3","startTime":458.366,"endTime":458.565,"body":"I'm "},{"speaker":"Speaker 3","startTime":458.566,"endTime":458.645,"body":"like, "},{"speaker":"Speaker 3","startTime":458.665,"endTime":458.885,"body":"I'm "},{"speaker":"Speaker 3","startTime":458.886,"endTime":458.965,"body":"not "},{"speaker":"Speaker 3","startTime":459.125,"endTime":459.205,"body":"worthy, "},{"speaker":"Speaker 3","startTime":459.265,"endTime":459.485,"body":"and "},{"speaker":"Speaker 3","startTime":459.486,"endTime":459.605,"body":"I "},{"speaker":"Speaker 3","startTime":459.606,"endTime":459.885,"body":"wasn't "},{"speaker":"Speaker 3","startTime":459.886,"endTime":460.005,"body":"even "},{"speaker":"Speaker 3","startTime":460.006,"endTime":460.205,"body":"gonna "},{"speaker":"Speaker 3","startTime":460.255,"endTime":460.605,"body":"apply. "},{"speaker":"Speaker 3","startTime":461.185,"endTime":461.405,"body":"And, "},{"speaker":"Speaker 3","startTime":461.425,"endTime":461.645,"body":"you "},{"speaker":"Speaker 3","startTime":461.685,"endTime":461.685,"body":"know "},{"speaker":"Speaker 3","startTime":461.685,"endTime":461.685,"body":", "},{"speaker":"Speaker 3","startTime":461.686,"endTime":461.845,"body":"he "},{"speaker":"Speaker 3","startTime":462.045,"endTime":462.205,"body":"encouraged "},{"speaker":"Speaker 3","startTime":462.206,"endTime":462.405,"body":"all "},{"speaker":"Speaker 3","startTime":462.406,"endTime":462.605,"body":"kinds "},{"speaker":"Speaker 3","startTime":462.606,"endTime":462.725,"body":"of "},{"speaker":"Speaker 3","startTime":462.726,"endTime":462.885,"body":"great "},{"speaker":"Speaker 3","startTime":462.886,"endTime":463.285,"body":"candidates "},{"speaker":"Speaker 3","startTime":463.286,"endTime":463.445,"body":"to "},{"speaker":"Speaker 3","startTime":463.446,"endTime":463.605,"body":"apply "},{"speaker":"Speaker 3","startTime":463.606,"endTime":463.765,"body":"for "},{"speaker":"Speaker 3","startTime":463.766,"endTime":463.885,"body":"the "},{"speaker":"Speaker 3","startTime":463.886,"endTime":463.965,"body":"job. "},{"speaker":"Speaker 3","startTime":464.025,"endTime":464.245,"body":"But "},{"speaker":"Speaker 3","startTime":464.246,"endTime":464.365,"body":"then "},{"speaker":"Speaker 3","startTime":464.366,"endTime":464.485,"body":"it "},{"speaker":"Speaker 3","startTime":464.645,"endTime":464.765,"body":"occurred "},{"speaker":"Speaker 3","startTime":464.766,"endTime":464.885,"body":"to "},{"speaker":"Speaker 3","startTime":464.886,"endTime":465.005,"body":"me "},{"speaker":"Speaker 3","startTime":466.025,"endTime":466.245,"body":"of "},{"speaker":"Speaker 3","startTime":466.265,"endTime":466.485,"body":"all "},{"speaker":"Speaker 3","startTime":466.486,"endTime":466.645,"body":"the "},{"speaker":"Speaker 3","startTime":466.646,"endTime":466.765,"body":"people "},{"speaker":"Speaker 3","startTime":467.005,"endTime":467.005,"body":"at "},{"speaker":"Speaker 3","startTime":467.045,"endTime":467.045,"body":"the "},{"speaker":"Speaker 3","startTime":467.965,"endTime":467.965,"body":"CFPB "},{"speaker":"Speaker 3","startTime":467.965,"endTime":467.965,"body":", "},{"speaker":"Speaker 3","startTime":468.525,"endTime":468.645,"body":"I "},{"speaker":"Speaker 3","startTime":468.965,"endTime":468.965,"body":"have "},{"speaker":"Speaker 3","startTime":469.285,"endTime":469.405,"body":"probably "},{"speaker":"Speaker 3","startTime":469.406,"endTime":469.685,"body":"talked "},{"speaker":"Speaker 3","startTime":469.686,"endTime":469.885,"body":"to "},{"speaker":"Speaker 3","startTime":469.955,"endTime":470.245,"body":"tens "},{"speaker":"Speaker 3","startTime":470.246,"endTime":470.365,"body":"of "},{"speaker":"Speaker 3","startTime":470.645,"endTime":470.845,"body":"thousands "},{"speaker":"Speaker 3","startTime":470.846,"endTime":470.965,"body":"of "},{"speaker":"Speaker 3","startTime":470.966,"endTime":471.365,"body":"at-risk "},{"speaker":"Speaker 3","startTime":471.645,"endTime":472.005,"body":"consumers. "},{"speaker":"Speaker 3","startTime":472.385,"endTime":472.605,"body":"And "},{"speaker":"Speaker 3","startTime":472.606,"endTime":472.805,"body":"so "},{"speaker":"Speaker 3","startTime":472.925,"endTime":473.045,"body":"I "},{"speaker":"Speaker 3","startTime":473.046,"endTime":473.205,"body":"have "},{"speaker":"Speaker 3","startTime":473.245,"endTime":473.365,"body":"a "},{"speaker":"Speaker 3","startTime":473.366,"endTime":473.605,"body":"life "},{"speaker":"Speaker 3","startTime":473.625,"endTime":474.045,"body":"career "},{"speaker":"Speaker 3","startTime":474.095,"endTime":474.765,"body":"experience, "},{"speaker":"Speaker 3","startTime":474.825,"endTime":475.045,"body":"no "},{"speaker":"Speaker 3","startTime":475.046,"endTime":475.165,"body":"one "},{"speaker":"Speaker 3","startTime":475.166,"endTime":475.285,"body":"at "},{"speaker":"Speaker 3","startTime":475.286,"endTime":475.365,"body":"the "},{"speaker":"Speaker 3","startTime":475.366,"endTime":475.525,"body":"bureau "},{"speaker":"Speaker 3","startTime":475.665,"endTime":475.885,"body":"has. "},{"speaker":"Speaker 3","startTime":476.365,"endTime":476.365,"body":"Um "},{"speaker":"Speaker 3","startTime":476.365,"endTime":476.365,"body":", "},{"speaker":"Speaker 3","startTime":476.385,"endTime":476.605,"body":"so "},{"speaker":"Speaker 3","startTime":476.606,"endTime":476.725,"body":"I "},{"speaker":"Speaker 3","startTime":476.726,"endTime":476.965,"body":"applied "},{"speaker":"Speaker 3","startTime":477.165,"endTime":477.165,"body":"and "},{"speaker":"Speaker 3","startTime":477.165,"endTime":477.165,"body":", "},{"speaker":"Speaker 3","startTime":477.166,"endTime":477.365,"body":"and "},{"speaker":"Speaker 3","startTime":477.366,"endTime":477.445,"body":"I "},{"speaker":"Speaker 3","startTime":477.446,"endTime":477.605,"body":"got "},{"speaker":"Speaker 3","startTime":477.606,"endTime":477.725,"body":"the "},{"speaker":"Speaker 3","startTime":477.726,"endTime":477.885,"body":"job "},{"speaker":"Speaker 3","startTime":478.025,"endTime":478.245,"body":"and "},{"speaker":"Speaker 3","startTime":478.246,"endTime":478.485,"body":"became "},{"speaker":"Speaker 3","startTime":478.486,"endTime":478.965,"body":"assistant "},{"speaker":"Speaker 3","startTime":479.325,"endTime":479.445,"body":"director. "},{"speaker":"Speaker 3","startTime":479.985,"endTime":480.205,"body":"And, "},{"speaker":"Speaker 3","startTime":480.545,"endTime":480.765,"body":"you "},{"speaker":"Speaker 3","startTime":480.766,"endTime":480.845,"body":"know, "},{"speaker":"Speaker 3","startTime":481.085,"endTime":481.085,"body":"roll "},{"speaker":"Speaker 3","startTime":481.445,"endTime":481.445,"body":"forward "},{"speaker":"Speaker 3","startTime":481.625,"endTime":481.845,"body":"to, "},{"speaker":"Speaker 3","startTime":482.185,"endTime":482.405,"body":"now "},{"speaker":"Speaker 3","startTime":482.525,"endTime":482.645,"body":"I "},{"speaker":"Speaker 3","startTime":482.646,"endTime":482.765,"body":"am "},{"speaker":"Speaker 3","startTime":482.766,"endTime":482.925,"body":"the "},{"speaker":"Speaker 3","startTime":482.926,"endTime":483.285,"body":"principal "},{"speaker":"Speaker 3","startTime":483.286,"endTime":483.645,"body":"assistant "},{"speaker":"Speaker 3","startTime":483.885,"endTime":483.965,"body":"director. "},{"speaker":"Speaker 3","startTime":483.966,"endTime":484.165,"body":"And "},{"speaker":"Speaker 3","startTime":484.166,"endTime":484.325,"body":"by "},{"speaker":"Speaker 3","startTime":484.445,"endTime":484.445,"body":"the "},{"speaker":"Speaker 3","startTime":484.446,"endTime":484.565,"body":"way, "},{"speaker":"Speaker 3","startTime":484.895,"endTime":485.245,"body":"thank "},{"speaker":"Speaker 3","startTime":485.246,"endTime":485.325,"body":"you "},{"speaker":"Speaker 3","startTime":485.385,"endTime":485.605,"body":"for "},{"speaker":"Speaker 3","startTime":485.615,"endTime":485.965,"body":"going "},{"speaker":"Speaker 3","startTime":485.966,"endTime":486.205,"body":"through "},{"speaker":"Speaker 3","startTime":486.206,"endTime":486.405,"body":"that "},{"speaker":"Speaker 3","startTime":486.565,"endTime":487.085,"body":"description "},{"speaker":"Speaker 3","startTime":487.145,"endTime":487.365,"body":"of "},{"speaker":"Speaker 3","startTime":487.366,"endTime":487.605,"body":"what "},{"speaker":"Speaker 3","startTime":487.645,"endTime":487.765,"body":"I "},{"speaker":"Speaker 3","startTime":487.766,"endTime":487.885,"body":"do. "},{"speaker":"Speaker 3","startTime":488.125,"endTime":488.245,"body":"I "},{"speaker":"Speaker 3","startTime":488.246,"endTime":488.405,"body":"know "},{"speaker":"Speaker 3","startTime":488.406,"endTime":488.645,"body":"it's "},{"speaker":"Speaker 3","startTime":488.646,"endTime":488.725,"body":"a "},{"speaker":"Speaker 3","startTime":488.726,"endTime":489.085,"body":"mouthful, "},{"speaker":"Speaker 3","startTime":489.525,"endTime":489.565,"body":"\u003claugh\u003e, "},{"speaker":"Speaker 3","startTime":489.885,"endTime":490.005,"body":"I "},{"speaker":"Speaker 3","startTime":490.405,"endTime":490.405,"body":"tried "},{"speaker":"Speaker 3","startTime":490.405,"endTime":490.405,"body":", "},{"speaker":"Speaker 3","startTime":491.645,"endTime":491.765,"body":"I "},{"speaker":"Speaker 3","startTime":491.766,"endTime":492.085,"body":"tried "},{"speaker":"Speaker 3","startTime":492.086,"endTime":492.285,"body":"to "},{"speaker":"Speaker 3","startTime":492.286,"endTime":492.565,"body":"change "},{"speaker":"Speaker 3","startTime":492.585,"endTime":492.805,"body":"my "},{"speaker":"Speaker 3","startTime":492.806,"endTime":493.125,"body":"title "},{"speaker":"Speaker 3","startTime":493.305,"endTime":493.525,"body":"to "},{"speaker":"Speaker 3","startTime":493.875,"endTime":494.485,"body":"principal, "},{"speaker":"Speaker 3","startTime":494.486,"endTime":494.925,"body":"assistant "},{"speaker":"Speaker 3","startTime":495.325,"endTime":495.485,"body":"director "},{"speaker":"Speaker 3","startTime":495.985,"endTime":496.205,"body":"of "},{"speaker":"Speaker 3","startTime":496.206,"endTime":496.685,"body":"markets "},{"speaker":"Speaker 3","startTime":497.185,"endTime":497.405,"body":"for "},{"speaker":"Speaker 3","startTime":497.406,"endTime":497.925,"body":"everything "},{"speaker":"Speaker 3","startTime":497.945,"endTime":498.365,"body":"except "},{"speaker":"Speaker 3","startTime":498.685,"endTime":498.845,"body":"mortgage "},{"speaker":"Speaker 3","startTime":498.846,"endTime":499.045,"body":"and "},{"speaker":"Speaker 3","startTime":499.046,"endTime":499.285,"body":"small "},{"speaker":"Speaker 3","startTime":499.485,"endTime":499.605,"body":"business "},{"speaker":"Speaker 3","startTime":499.606,"endTime":499.885,"body":"lending. "},{"speaker":"Speaker 3","startTime":499.886,"endTime":500.205,"body":"Those "},{"speaker":"Speaker 3","startTime":500.206,"endTime":500.365,"body":"are "},{"speaker":"Speaker 3","startTime":500.366,"endTime":500.445,"body":"the "},{"speaker":"Speaker 3","startTime":500.446,"endTime":500.565,"body":"two "},{"speaker":"Speaker 3","startTime":500.566,"endTime":500.765,"body":"areas. "},{"speaker":"Speaker 3","startTime":500.845,"endTime":500.965,"body":"I "},{"speaker":"Speaker 3","startTime":500.966,"endTime":501.165,"body":"don't "},{"speaker":"Speaker 3","startTime":501.365,"endTime":501.365,"body":"cover "},{"speaker":"Speaker 3","startTime":501.725,"endTime":501.725,"body":"\u003claugh\u003e "},{"speaker":"Speaker 3","startTime":501.725,"endTime":501.725,"body":", "},{"speaker":"Speaker 3","startTime":501.825,"endTime":502.045,"body":"but "},{"speaker":"Speaker 3","startTime":502.625,"endTime":502.845,"body":"the "},{"speaker":"Speaker 3","startTime":502.846,"endTime":503.125,"body":"team "},{"speaker":"Speaker 3","startTime":503.126,"endTime":503.365,"body":"covers "},{"speaker":"Speaker 3","startTime":503.366,"endTime":503.805,"body":"everything "},{"speaker":"Speaker 3","startTime":503.806,"endTime":503.925,"body":"else. "},{"speaker":"Speaker 3","startTime":504.015,"endTime":504.365,"body":"There "},{"speaker":"Speaker 3","startTime":504.366,"endTime":504.485,"body":"was "},{"speaker":"Speaker 3","startTime":504.486,"endTime":504.605,"body":"a "},{"speaker":"Speaker 3","startTime":504.606,"endTime":504.725,"body":"time "},{"speaker":"Speaker 3","startTime":504.925,"endTime":504.925,"body":"where "},{"speaker":"Speaker 3","startTime":504.925,"endTime":504.925,"body":", "},{"speaker":"Speaker 3","startTime":504.935,"endTime":505.285,"body":"where "},{"speaker":"Speaker 3","startTime":505.365,"endTime":505.605,"body":"acting "},{"speaker":"Speaker 3","startTime":505.665,"endTime":505.885,"body":"was "},{"speaker":"Speaker 3","startTime":505.886,"endTime":506.005,"body":"in "},{"speaker":"Speaker 3","startTime":506.006,"endTime":506.125,"body":"front "},{"speaker":"Speaker 3","startTime":506.126,"endTime":506.245,"body":"of "},{"speaker":"Speaker 3","startTime":506.246,"endTime":506.325,"body":"it "},{"speaker":"Speaker 3","startTime":506.326,"endTime":506.485,"body":"too, "},{"speaker":"Speaker 3","startTime":506.505,"endTime":506.725,"body":"so "},{"speaker":"Speaker 3","startTime":506.726,"endTime":506.845,"body":"the "},{"speaker":"Speaker 3","startTime":506.846,"endTime":506.965,"body":"title "},{"speaker":"Speaker 3","startTime":507.025,"endTime":507.245,"body":"was "},{"speaker":"Speaker 3","startTime":507.246,"endTime":507.365,"body":"even "},{"speaker":"Speaker 3","startTime":507.366,"endTime":507.645,"body":"longer. "},{"speaker":"Speaker 2","startTime":507.905,"endTime":508.125,"body":"Wow. "},{"speaker":"Speaker 2","startTime":508.225,"endTime":508.445,"body":"Wow. "},{"speaker":"Speaker 2","startTime":508.725,"endTime":508.725,"body":"\u003claugh\u003e "},{"speaker":"Speaker 2","startTime":508.725,"endTime":508.725,"body":". "},{"speaker":"Speaker 2","startTime":508.825,"endTime":509.045,"body":"But, "},{"speaker":"Speaker 3","startTime":509.185,"endTime":509.405,"body":"And "},{"speaker":"Speaker 3","startTime":509.406,"endTime":509.605,"body":"it's "},{"speaker":"Speaker 3","startTime":509.606,"endTime":509.685,"body":"funny "},{"speaker":"Speaker 3","startTime":509.685,"endTime":509.685,"body":", "},{"speaker":"Speaker 3","startTime":510.005,"endTime":510.005,"body":"uh, "},{"speaker":"Speaker 3","startTime":510.025,"endTime":510.245,"body":"so "},{"speaker":"Speaker 3","startTime":510.325,"endTime":510.445,"body":"I, "},{"speaker":"Speaker 3","startTime":510.565,"endTime":510.685,"body":"I "},{"speaker":"Speaker 3","startTime":510.686,"endTime":510.885,"body":"gave "},{"speaker":"Speaker 3","startTime":510.886,"endTime":511.165,"body":"myself "},{"speaker":"Speaker 3","startTime":511.205,"endTime":511.325,"body":"a "},{"speaker":"Speaker 3","startTime":511.326,"endTime":511.485,"body":"big "},{"speaker":"Speaker 3","startTime":511.486,"endTime":511.685,"body":"pay "},{"speaker":"Speaker 3","startTime":511.686,"endTime":511.885,"body":"cut, "},{"speaker":"Speaker 3","startTime":512.165,"endTime":512.165,"body":"moved "},{"speaker":"Speaker 3","startTime":512.166,"endTime":512.325,"body":"to "},{"speaker":"Speaker 3","startTime":512.326,"endTime":512.645,"body":"Washington "},{"speaker":"Speaker 3","startTime":513.045,"endTime":513.045,"body":"dc "},{"speaker":"Speaker 3","startTime":513.195,"endTime":513.485,"body":"it's "},{"speaker":"Speaker 3","startTime":513.486,"endTime":513.565,"body":"been "},{"speaker":"Speaker 3","startTime":513.566,"endTime":513.725,"body":"nine "},{"speaker":"Speaker 3","startTime":513.726,"endTime":513.845,"body":"and "},{"speaker":"Speaker 3","startTime":513.846,"endTime":513.965,"body":"a "},{"speaker":"Speaker 3","startTime":513.966,"endTime":514.045,"body":"half "},{"speaker":"Speaker 3","startTime":514.046,"endTime":514.325,"body":"years, "},{"speaker":"Speaker 3","startTime":514.775,"endTime":515.125,"body":"don't "},{"speaker":"Speaker 3","startTime":515.126,"endTime":515.485,"body":"regret "},{"speaker":"Speaker 3","startTime":515.486,"endTime":515.645,"body":"it "},{"speaker":"Speaker 3","startTime":515.646,"endTime":515.885,"body":"because "},{"speaker":"Speaker 3","startTime":516.005,"endTime":516.125,"body":"I "},{"speaker":"Speaker 3","startTime":516.126,"endTime":516.245,"body":"was "},{"speaker":"Speaker 3","startTime":516.246,"endTime":516.445,"body":"able "},{"speaker":"Speaker 3","startTime":516.446,"endTime":516.605,"body":"to "},{"speaker":"Speaker 3","startTime":516.606,"endTime":516.765,"body":"see "},{"speaker":"Speaker 3","startTime":517.005,"endTime":517.005,"body":"that "},{"speaker":"Speaker 3","startTime":517.006,"endTime":517.205,"body":"the "},{"speaker":"Speaker 3","startTime":517.206,"endTime":517.365,"body":"kind "},{"speaker":"Speaker 3","startTime":517.366,"endTime":517.445,"body":"of "},{"speaker":"Speaker 3","startTime":517.446,"endTime":517.605,"body":"work "},{"speaker":"Speaker 3","startTime":517.804,"endTime":517.804,"body":"the "},{"speaker":"Speaker 3","startTime":517.805,"endTime":517.965,"body":"team "},{"speaker":"Speaker 3","startTime":517.985,"endTime":518.205,"body":"has "},{"speaker":"Speaker 3","startTime":518.206,"endTime":518.325,"body":"been "},{"speaker":"Speaker 3","startTime":518.326,"endTime":518.485,"body":"able "},{"speaker":"Speaker 3","startTime":518.486,"endTime":518.645,"body":"to "},{"speaker":"Speaker 3","startTime":518.845,"endTime":518.845,"body":"do "},{"speaker":"Speaker 3","startTime":518.845,"endTime":518.845,"body":", "},{"speaker":"Speaker 3","startTime":518.985,"endTime":519.205,"body":"do "},{"speaker":"Speaker 3","startTime":519.545,"endTime":519.765,"body":"in "},{"speaker":"Speaker 3","startTime":519.766,"endTime":519.925,"body":"terms "},{"speaker":"Speaker 3","startTime":519.945,"endTime":520.165,"body":"of "},{"speaker":"Speaker 3","startTime":520.166,"endTime":520.605,"body":"protecting "},{"speaker":"Speaker 3","startTime":520.845,"endTime":521.085,"body":"consumers. "},{"speaker":"Speaker 3","startTime":521.086,"endTime":521.205,"body":"And "},{"speaker":"Speaker 3","startTime":521.206,"endTime":521.405,"body":"I've "},{"speaker":"Speaker 3","startTime":521.406,"endTime":521.485,"body":"seen "},{"speaker":"Speaker 3","startTime":521.605,"endTime":521.605,"body":"the "},{"speaker":"Speaker 3","startTime":521.606,"endTime":521.804,"body":"kind "},{"speaker":"Speaker 3","startTime":521.885,"endTime":521.885,"body":"of "},{"speaker":"Speaker 3","startTime":521.886,"endTime":522.005,"body":"work "},{"speaker":"Speaker 3","startTime":522.325,"endTime":522.325,"body":"the "},{"speaker":"Speaker 3","startTime":522.405,"endTime":523.045,"body":"CFPB "},{"speaker":"Speaker 3","startTime":523.585,"endTime":523.804,"body":"has "},{"speaker":"Speaker 3","startTime":523.805,"endTime":524.045,"body":"done, "},{"speaker":"Speaker 3","startTime":524.745,"endTime":524.965,"body":"you "},{"speaker":"Speaker 3","startTime":524.966,"endTime":525.045,"body":"know, "},{"speaker":"Speaker 3","startTime":525.135,"endTime":525.804,"body":"especially "},{"speaker":"Speaker 3","startTime":525.805,"endTime":526.005,"body":"with "},{"speaker":"Speaker 3","startTime":526.006,"endTime":526.165,"body":"this "},{"speaker":"Speaker 3","startTime":526.166,"endTime":526.365,"body":"current "},{"speaker":"Speaker 3","startTime":526.684,"endTime":526.765,"body":"director, "},{"speaker":"Speaker 3","startTime":527.445,"endTime":527.565,"body":"director "},{"speaker":"Speaker 3","startTime":527.625,"endTime":528.045,"body":"Chopra, "},{"speaker":"Speaker 3","startTime":528.434,"endTime":528.725,"body":"just "},{"speaker":"Speaker 3","startTime":528.745,"endTime":528.965,"body":"all "},{"speaker":"Speaker 3","startTime":528.966,"endTime":529.085,"body":"the "},{"speaker":"Speaker 3","startTime":529.086,"endTime":529.205,"body":"good "},{"speaker":"Speaker 3","startTime":529.206,"endTime":529.405,"body":"work "},{"speaker":"Speaker 3","startTime":529.415,"endTime":529.765,"body":"we're "},{"speaker":"Speaker 3","startTime":529.766,"endTime":529.845,"body":"doing "},{"speaker":"Speaker 3","startTime":529.865,"endTime":530.085,"body":"to "},{"speaker":"Speaker 3","startTime":530.086,"endTime":530.285,"body":"try "},{"speaker":"Speaker 3","startTime":530.286,"endTime":530.405,"body":"to "},{"speaker":"Speaker 3","startTime":530.465,"endTime":530.684,"body":"try "},{"speaker":"Speaker 3","startTime":530.685,"endTime":530.765,"body":"to "},{"speaker":"Speaker 3","startTime":530.766,"endTime":530.925,"body":"give "},{"speaker":"Speaker 3","startTime":531.165,"endTime":531.485,"body":"consumers "},{"speaker":"Speaker 3","startTime":531.525,"endTime":531.645,"body":"a "},{"speaker":"Speaker 3","startTime":531.646,"endTime":531.845,"body":"fair "},{"speaker":"Speaker 3","startTime":531.846,"endTime":532.085,"body":"shake. "},{"speaker":"Speaker 2","startTime":532.304,"endTime":532.525,"body":"No, "},{"speaker":"Speaker 2","startTime":532.526,"endTime":532.804,"body":"that's "},{"speaker":"Speaker 2","startTime":532.805,"endTime":532.965,"body":"great. "},{"speaker":"Speaker 2","startTime":533.025,"endTime":533.245,"body":"It "},{"speaker":"Speaker 2","startTime":533.246,"endTime":533.405,"body":"does "},{"speaker":"Speaker 2","startTime":533.406,"endTime":533.684,"body":"cover "},{"speaker":"Speaker 2","startTime":533.685,"endTime":533.925,"body":"quite "},{"speaker":"Speaker 2","startTime":533.926,"endTime":534.045,"body":"a "},{"speaker":"Speaker 2","startTime":534.046,"endTime":534.165,"body":"bit "},{"speaker":"Speaker 2","startTime":534.166,"endTime":534.285,"body":"of "},{"speaker":"Speaker 2","startTime":534.286,"endTime":534.445,"body":"ground. "},{"speaker":"Speaker 2","startTime":534.585,"endTime":534.804,"body":"Now "},{"speaker":"Speaker 2","startTime":534.845,"endTime":534.965,"body":"I "},{"speaker":"Speaker 2","startTime":535.045,"endTime":535.205,"body":"have "},{"speaker":"Speaker 2","startTime":535.206,"endTime":535.285,"body":"to "},{"speaker":"Speaker 2","startTime":535.304,"endTime":535.525,"body":"ask, "},{"speaker":"Speaker 2","startTime":535.665,"endTime":535.885,"body":"how "},{"speaker":"Speaker 2","startTime":535.886,"endTime":536.085,"body":"does "},{"speaker":"Speaker 2","startTime":536.086,"endTime":536.205,"body":"a "},{"speaker":"Speaker 2","startTime":536.206,"endTime":536.365,"body":"wife "},{"speaker":"Speaker 2","startTime":536.366,"endTime":536.645,"body":"feel "},{"speaker":"Speaker 2","startTime":536.646,"endTime":536.885,"body":"about "},{"speaker":"Speaker 2","startTime":536.886,"endTime":537.085,"body":"this? "},{"speaker":"Speaker 2","startTime":537.465,"endTime":537.684,"body":"Is "},{"speaker":"Speaker 2","startTime":537.685,"endTime":537.845,"body":"she "},{"speaker":"Speaker 2","startTime":537.846,"endTime":538.085,"body":"happy "},{"speaker":"Speaker 2","startTime":538.145,"endTime":538.365,"body":"in "},{"speaker":"Speaker 2","startTime":538.725,"endTime":538.725,"body":"dc "},{"speaker":"Speaker 2","startTime":539.125,"endTime":539.165,"body":"\u003claugh\u003e, "},{"speaker":"Speaker 3","startTime":539.905,"endTime":540.125,"body":"We "},{"speaker":"Speaker 3","startTime":540.126,"endTime":540.285,"body":"never "},{"speaker":"Speaker 3","startTime":540.286,"endTime":540.684,"body":"banked "},{"speaker":"Speaker 3","startTime":540.685,"endTime":540.804,"body":"on "},{"speaker":"Speaker 3","startTime":540.805,"endTime":541.005,"body":"how "},{"speaker":"Speaker 3","startTime":541.006,"endTime":541.165,"body":"much "},{"speaker":"Speaker 3","startTime":541.166,"endTime":541.325,"body":"we "},{"speaker":"Speaker 3","startTime":541.326,"endTime":541.485,"body":"would "},{"speaker":"Speaker 3","startTime":541.486,"endTime":541.725,"body":"like "},{"speaker":"Speaker 3","startTime":542.205,"endTime":542.205,"body":"DC "},{"speaker":"Speaker 3","startTime":542.465,"endTime":542.684,"body":"And "},{"speaker":"Speaker 3","startTime":542.685,"endTime":542.845,"body":"so "},{"speaker":"Speaker 3","startTime":542.846,"endTime":543.045,"body":"my, "},{"speaker":"Speaker 3","startTime":543.065,"endTime":543.285,"body":"my "},{"speaker":"Speaker 3","startTime":543.286,"endTime":543.445,"body":"wife "},{"speaker":"Speaker 3","startTime":543.446,"endTime":543.725,"body":"works "},{"speaker":"Speaker 3","startTime":543.745,"endTime":543.965,"body":"for "},{"speaker":"Speaker 3","startTime":544.005,"endTime":544.125,"body":"a "},{"speaker":"Speaker 3","startTime":544.525,"endTime":544.525,"body":"nonprofit "},{"speaker":"Speaker 3","startTime":544.755,"endTime":545.045,"body":"here "},{"speaker":"Speaker 3","startTime":545.065,"endTime":545.285,"body":"in "},{"speaker":"Speaker 3","startTime":545.645,"endTime":545.645,"body":"DC "},{"speaker":"Speaker 3","startTime":545.885,"endTime":545.885,"body":"and "},{"speaker":"Speaker 3","startTime":545.885,"endTime":545.885,"body":", "},{"speaker":"Speaker 3","startTime":545.886,"endTime":546.085,"body":"and "},{"speaker":"Speaker 3","startTime":546.145,"endTime":546.365,"body":"she, "},{"speaker":"Speaker 3","startTime":546.505,"endTime":546.725,"body":"she "},{"speaker":"Speaker 3","startTime":546.745,"endTime":546.965,"body":"may "},{"speaker":"Speaker 3","startTime":546.966,"endTime":547.205,"body":"love "},{"speaker":"Speaker 3","startTime":547.525,"endTime":547.525,"body":"DC "},{"speaker":"Speaker 3","startTime":547.526,"endTime":547.725,"body":"more "},{"speaker":"Speaker 3","startTime":547.726,"endTime":547.885,"body":"than "},{"speaker":"Speaker 3","startTime":547.886,"endTime":548.005,"body":"I "},{"speaker":"Speaker 3","startTime":548.006,"endTime":548.125,"body":"do. "},{"speaker":"Speaker 2","startTime":548.265,"endTime":548.485,"body":"Oh, "},{"speaker":"Speaker 2","startTime":548.486,"endTime":548.684,"body":"well "},{"speaker":"Speaker 2","startTime":548.685,"endTime":548.925,"body":"that's "},{"speaker":"Speaker 2","startTime":548.926,"endTime":549.005,"body":"a "},{"speaker":"Speaker 2","startTime":549.006,"endTime":549.205,"body":"win "},{"speaker":"Speaker 2","startTime":549.345,"endTime":549.565,"body":"all "},{"speaker":"Speaker 2","startTime":549.566,"endTime":549.725,"body":"the "},{"speaker":"Speaker 2","startTime":549.726,"endTime":549.804,"body":"way "},{"speaker":"Speaker 2","startTime":549.805,"endTime":550.125,"body":"across "},{"speaker":"Speaker 2","startTime":550.195,"endTime":550.485,"body":"then. "},{"speaker":"Speaker 2","startTime":550.725,"endTime":550.845,"body":"I "},{"speaker":"Speaker 2","startTime":550.846,"endTime":551.125,"body":"love "},{"speaker":"Speaker 2","startTime":551.126,"endTime":551.245,"body":"it. "},{"speaker":"Speaker 2","startTime":551.705,"endTime":551.925,"body":"Let "},{"speaker":"Speaker 2","startTime":552.085,"endTime":552.085,"body":"me "},{"speaker":"Speaker 2","startTime":552.105,"endTime":552.325,"body":"ask "},{"speaker":"Speaker 2","startTime":552.326,"endTime":552.445,"body":"you, "},{"speaker":"Speaker 2","startTime":552.465,"endTime":552.885,"body":"you're "},{"speaker":"Speaker 2","startTime":552.886,"endTime":553.045,"body":"coming "},{"speaker":"Speaker 2","startTime":553.105,"endTime":553.325,"body":"to "},{"speaker":"Speaker 2","startTime":553.365,"endTime":553.525,"body":"this "},{"speaker":"Speaker 2","startTime":553.526,"endTime":553.845,"body":"year's "},{"speaker":"Speaker 2","startTime":553.846,"endTime":554.245,"body":"symposium. "},{"speaker":"Speaker 2","startTime":554.246,"endTime":554.605,"body":"You're "},{"speaker":"Speaker 2","startTime":554.606,"endTime":554.725,"body":"gonna "},{"speaker":"Speaker 2","startTime":554.726,"endTime":554.845,"body":"be "},{"speaker":"Speaker 2","startTime":554.846,"endTime":555.005,"body":"one "},{"speaker":"Speaker 2","startTime":555.006,"endTime":555.085,"body":"of "},{"speaker":"Speaker 2","startTime":555.086,"endTime":555.205,"body":"our "},{"speaker":"Speaker 2","startTime":555.206,"endTime":555.605,"body":"keynote "},{"speaker":"Speaker 2","startTime":555.804,"endTime":556.365,"body":"speakers "},{"speaker":"Speaker 2","startTime":556.366,"endTime":556.605,"body":"there, "},{"speaker":"Speaker 2","startTime":556.705,"endTime":556.925,"body":"and "},{"speaker":"Speaker 2","startTime":556.926,"endTime":557.125,"body":"you're "},{"speaker":"Speaker 2","startTime":557.126,"endTime":557.245,"body":"gonna "},{"speaker":"Speaker 2","startTime":557.246,"endTime":557.405,"body":"be "},{"speaker":"Speaker 2","startTime":557.406,"endTime":557.605,"body":"talking "},{"speaker":"Speaker 2","startTime":557.625,"endTime":557.845,"body":"to "},{"speaker":"Speaker 2","startTime":557.846,"endTime":557.965,"body":"us "},{"speaker":"Speaker 2","startTime":557.966,"endTime":558.285,"body":"about "},{"speaker":"Speaker 2","startTime":558.286,"endTime":558.525,"body":"some "},{"speaker":"Speaker 2","startTime":558.526,"endTime":558.645,"body":"of "},{"speaker":"Speaker 2","startTime":558.646,"endTime":558.765,"body":"the "},{"speaker":"Speaker 2","startTime":558.766,"endTime":559.045,"body":"latest "},{"speaker":"Speaker 2","startTime":559.445,"endTime":559.605,"body":"research "},{"speaker":"Speaker 2","startTime":559.606,"endTime":559.885,"body":"that "},{"speaker":"Speaker 2","startTime":560.565,"endTime":560.565,"body":"CFPB "},{"speaker":"Speaker 2","startTime":560.585,"endTime":560.804,"body":"has "},{"speaker":"Speaker 2","startTime":560.805,"endTime":561.005,"body":"put "},{"speaker":"Speaker 2","startTime":561.025,"endTime":561.245,"body":"out. "},{"speaker":"Speaker 2","startTime":561.665,"endTime":561.885,"body":"Are "},{"speaker":"Speaker 2","startTime":561.886,"endTime":562.005,"body":"there "},{"speaker":"Speaker 2","startTime":562.025,"endTime":562.245,"body":"any "},{"speaker":"Speaker 2","startTime":562.246,"endTime":562.605,"body":"recent "},{"speaker":"Speaker 2","startTime":562.684,"endTime":563.245,"body":"findings "},{"speaker":"Speaker 2","startTime":563.246,"endTime":563.365,"body":"that "},{"speaker":"Speaker 2","startTime":563.366,"endTime":563.605,"body":"you're "},{"speaker":"Speaker 2","startTime":563.606,"endTime":563.925,"body":"excited "},{"speaker":"Speaker 2","startTime":563.926,"endTime":564.125,"body":"to "},{"speaker":"Speaker 2","startTime":564.126,"endTime":564.325,"body":"share? "},{"speaker":"Speaker 3","startTime":564.545,"endTime":564.765,"body":"Oh "},{"speaker":"Speaker 3","startTime":564.766,"endTime":564.925,"body":"my "},{"speaker":"Speaker 3","startTime":564.926,"endTime":565.085,"body":"gosh. "},{"speaker":"Speaker 3","startTime":565.235,"endTime":565.525,"body":"Well, "},{"speaker":"Speaker 3","startTime":565.665,"endTime":565.885,"body":"as "},{"speaker":"Speaker 3","startTime":565.886,"endTime":566.085,"body":"you "},{"speaker":"Speaker 3","startTime":566.086,"endTime":566.245,"body":"might "},{"speaker":"Speaker 3","startTime":566.246,"endTime":566.445,"body":"know "},{"speaker":"Speaker 3","startTime":566.645,"endTime":566.645,"body":"from "},{"speaker":"Speaker 3","startTime":566.646,"endTime":566.845,"body":"my "},{"speaker":"Speaker 3","startTime":567.125,"endTime":567.365,"body":"introduction "},{"speaker":"Speaker 3","startTime":567.366,"endTime":567.565,"body":"about "},{"speaker":"Speaker 3","startTime":567.566,"endTime":567.725,"body":"my "},{"speaker":"Speaker 3","startTime":567.726,"endTime":567.925,"body":"career "},{"speaker":"Speaker 3","startTime":567.926,"endTime":568.285,"body":"journey, "},{"speaker":"Speaker 3","startTime":568.286,"endTime":568.525,"body":"it's "},{"speaker":"Speaker 3","startTime":568.645,"endTime":568.725,"body":"probably "},{"speaker":"Speaker 3","startTime":568.726,"endTime":568.845,"body":"hard "},{"speaker":"Speaker 3","startTime":568.846,"endTime":568.965,"body":"to "},{"speaker":"Speaker 3","startTime":568.966,"endTime":569.205,"body":"shut "},{"speaker":"Speaker 3","startTime":569.206,"endTime":569.325,"body":"me "},{"speaker":"Speaker 3","startTime":569.326,"endTime":569.485,"body":"up "},{"speaker":"Speaker 3","startTime":570.205,"endTime":570.205,"body":"\u003claugh\u003e "},{"speaker":"Speaker 3","startTime":570.205,"endTime":570.205,"body":". "},{"speaker":"Speaker 3","startTime":570.325,"endTime":570.325,"body":"So "},{"speaker":"Speaker 3","startTime":570.845,"endTime":570.845,"body":"\u003claugh\u003e "},{"speaker":"Speaker 3","startTime":570.845,"endTime":570.845,"body":", "},{"speaker":"Speaker 3","startTime":571.785,"endTime":572.005,"body":"be "},{"speaker":"Speaker 3","startTime":572.006,"endTime":572.205,"body":"careful. "},{"speaker":"Speaker 3","startTime":572.485,"endTime":572.605,"body":"I "},{"speaker":"Speaker 3","startTime":572.605,"endTime":572.605,"body":", "},{"speaker":"Speaker 3","startTime":572.625,"endTime":572.845,"body":"you "},{"speaker":"Speaker 3","startTime":572.846,"endTime":572.925,"body":"know, "},{"speaker":"Speaker 3","startTime":573.165,"endTime":573.285,"body":"I "},{"speaker":"Speaker 3","startTime":573.286,"endTime":573.485,"body":"am "},{"speaker":"Speaker 3","startTime":573.486,"endTime":573.885,"body":"really "},{"speaker":"Speaker 3","startTime":574.715,"endTime":575.205,"body":"excited "},{"speaker":"Speaker 3","startTime":575.255,"endTime":575.605,"body":"about "},{"speaker":"Speaker 3","startTime":575.665,"endTime":575.885,"body":"the "},{"speaker":"Speaker 3","startTime":575.886,"endTime":576.125,"body":"work "},{"speaker":"Speaker 3","startTime":576.315,"endTime":576.605,"body":"that "},{"speaker":"Speaker 3","startTime":576.665,"endTime":576.885,"body":"the "},{"speaker":"Speaker 3","startTime":576.886,"endTime":577.085,"body":"markets "},{"speaker":"Speaker 3","startTime":577.235,"endTime":577.525,"body":"team "},{"speaker":"Speaker 3","startTime":577.585,"endTime":577.804,"body":"as "},{"speaker":"Speaker 3","startTime":577.805,"endTime":577.965,"body":"well "},{"speaker":"Speaker 3","startTime":577.966,"endTime":578.085,"body":"as "},{"speaker":"Speaker 3","startTime":578.086,"endTime":578.245,"body":"the "},{"speaker":"Speaker 3","startTime":578.246,"endTime":578.445,"body":"Office "},{"speaker":"Speaker 3","startTime":578.446,"endTime":578.645,"body":"of "},{"speaker":"Speaker 3","startTime":578.885,"endTime":579.085,"body":"Research "},{"speaker":"Speaker 3","startTime":579.225,"endTime":579.445,"body":"has "},{"speaker":"Speaker 3","startTime":579.446,"endTime":579.684,"body":"done, "},{"speaker":"Speaker 3","startTime":580.065,"endTime":580.285,"body":"and "},{"speaker":"Speaker 3","startTime":580.286,"endTime":580.485,"body":"our "},{"speaker":"Speaker 3","startTime":580.486,"endTime":580.684,"body":"office "},{"speaker":"Speaker 3","startTime":580.685,"endTime":580.885,"body":"of "},{"speaker":"Speaker 3","startTime":581.085,"endTime":581.245,"body":"consumer "},{"speaker":"Speaker 3","startTime":581.315,"endTime":582.005,"body":"populations "},{"speaker":"Speaker 3","startTime":582.225,"endTime":582.645,"body":"around "},{"speaker":"Speaker 3","startTime":582.705,"endTime":582.925,"body":"the "},{"speaker":"Speaker 3","startTime":582.926,"endTime":583.285,"body":"impacts "},{"speaker":"Speaker 3","startTime":583.385,"endTime":583.605,"body":"of "},{"speaker":"Speaker 3","startTime":583.606,"endTime":583.845,"body":"medical "},{"speaker":"Speaker 3","startTime":583.915,"endTime":584.205,"body":"debt. "},{"speaker":"Speaker 3","startTime":584.505,"endTime":584.725,"body":"And "},{"speaker":"Speaker 3","startTime":585.265,"endTime":585.485,"body":"the, "},{"speaker":"Speaker 3","startTime":585.585,"endTime":585.804,"body":"you "},{"speaker":"Speaker 3","startTime":585.805,"endTime":585.845,"body":"know, "},{"speaker":"Speaker 3","startTime":585.905,"endTime":586.125,"body":"it "},{"speaker":"Speaker 3","startTime":586.126,"endTime":586.365,"body":"started "},{"speaker":"Speaker 3","startTime":586.366,"endTime":586.605,"body":"with "},{"speaker":"Speaker 3","startTime":586.684,"endTime":586.804,"body":"a "},{"speaker":"Speaker 3","startTime":586.805,"endTime":587.085,"body":"report "},{"speaker":"Speaker 3","startTime":587.086,"endTime":587.245,"body":"that "},{"speaker":"Speaker 3","startTime":587.246,"endTime":587.445,"body":"the "},{"speaker":"Speaker 3","startTime":587.446,"endTime":587.605,"body":"team "},{"speaker":"Speaker 3","startTime":587.705,"endTime":587.925,"body":"put "},{"speaker":"Speaker 3","startTime":587.926,"endTime":588.125,"body":"out "},{"speaker":"Speaker 3","startTime":588.265,"endTime":588.485,"body":"on "},{"speaker":"Speaker 3","startTime":588.486,"endTime":588.885,"body":"medical "},{"speaker":"Speaker 3","startTime":588.915,"endTime":589.205,"body":"debt "},{"speaker":"Speaker 3","startTime":589.206,"endTime":589.605,"body":"burden. "},{"speaker":"Speaker 3","startTime":590.245,"endTime":590.245,"body":"Um "},{"speaker":"Speaker 3","startTime":590.245,"endTime":590.245,"body":", "},{"speaker":"Speaker 3","startTime":590.684,"endTime":590.684,"body":"and "},{"speaker":"Speaker 3","startTime":590.945,"endTime":591.165,"body":"we "},{"speaker":"Speaker 3","startTime":591.405,"endTime":591.405,"body":"used "},{"speaker":"Speaker 3","startTime":591.406,"endTime":591.605,"body":"that "},{"speaker":"Speaker 3","startTime":591.606,"endTime":592.005,"body":"report "},{"speaker":"Speaker 3","startTime":592.065,"endTime":592.285,"body":"to "},{"speaker":"Speaker 3","startTime":592.286,"endTime":592.565,"body":"really "},{"speaker":"Speaker 3","startTime":592.695,"endTime":593.045,"body":"shine "},{"speaker":"Speaker 3","startTime":593.085,"endTime":593.205,"body":"a "},{"speaker":"Speaker 3","startTime":593.206,"endTime":593.445,"body":"light "},{"speaker":"Speaker 3","startTime":593.625,"endTime":593.845,"body":"on "},{"speaker":"Speaker 3","startTime":594.075,"endTime":594.365,"body":"sort "},{"speaker":"Speaker 3","startTime":594.366,"endTime":594.485,"body":"of "},{"speaker":"Speaker 3","startTime":594.545,"endTime":594.765,"body":"the "},{"speaker":"Speaker 3","startTime":595.595,"endTime":596.205,"body":"arbitrary "},{"speaker":"Speaker 3","startTime":596.345,"endTime":596.565,"body":"and "},{"speaker":"Speaker 3","startTime":596.575,"endTime":597.245,"body":"capricious "},{"speaker":"Speaker 3","startTime":597.246,"endTime":597.605,"body":"nature "},{"speaker":"Speaker 3","startTime":597.785,"endTime":598.005,"body":"of "},{"speaker":"Speaker 3","startTime":598.115,"endTime":598.405,"body":"debt "},{"speaker":"Speaker 3","startTime":598.406,"endTime":598.965,"body":"collection, "},{"speaker":"Speaker 3","startTime":599.015,"endTime":599.365,"body":"trade "},{"speaker":"Speaker 3","startTime":599.645,"endTime":599.645,"body":"lines "},{"speaker":"Speaker 3","startTime":599.645,"endTime":599.645,"body":". "},{"speaker":"Speaker 3","startTime":600.385,"endTime":600.605,"body":"And "},{"speaker":"Speaker 3","startTime":600.675,"endTime":600.965,"body":"what "},{"speaker":"Speaker 3","startTime":600.966,"endTime":601.085,"body":"we "},{"speaker":"Speaker 3","startTime":601.086,"endTime":601.245,"body":"really "},{"speaker":"Speaker 3","startTime":601.246,"endTime":601.565,"body":"wanted "},{"speaker":"Speaker 3","startTime":601.585,"endTime":601.804,"body":"to "},{"speaker":"Speaker 3","startTime":601.805,"endTime":601.925,"body":"do, "},{"speaker":"Speaker 3","startTime":601.985,"endTime":602.205,"body":"the "},{"speaker":"Speaker 3","startTime":602.206,"endTime":602.684,"body":"assumptions "},{"speaker":"Speaker 3","startTime":602.685,"endTime":602.965,"body":"were "},{"speaker":"Speaker 3","startTime":603.434,"endTime":603.725,"body":"that "},{"speaker":"Speaker 3","startTime":604.085,"endTime":604.085,"body":"the "},{"speaker":"Speaker 3","startTime":604.095,"endTime":604.445,"body":"trade "},{"speaker":"Speaker 3","startTime":604.725,"endTime":604.725,"body":"lines "},{"speaker":"Speaker 3","startTime":604.795,"endTime":605.085,"body":"were "},{"speaker":"Speaker 3","startTime":605.086,"endTime":605.365,"body":"used "},{"speaker":"Speaker 3","startTime":605.434,"endTime":605.725,"body":"more "},{"speaker":"Speaker 3","startTime":605.726,"endTime":605.925,"body":"as "},{"speaker":"Speaker 3","startTime":605.965,"endTime":606.085,"body":"a "},{"speaker":"Speaker 3","startTime":606.086,"endTime":606.525,"body":"coercive "},{"speaker":"Speaker 3","startTime":606.526,"endTime":606.725,"body":"form "},{"speaker":"Speaker 3","startTime":606.726,"endTime":606.845,"body":"of "},{"speaker":"Speaker 3","startTime":606.846,"endTime":607.005,"body":"debt "},{"speaker":"Speaker 3","startTime":607.006,"endTime":607.565,"body":"collections. "},{"speaker":"Speaker 3","startTime":607.665,"endTime":607.885,"body":"And "},{"speaker":"Speaker 3","startTime":607.886,"endTime":608.005,"body":"it "},{"speaker":"Speaker 3","startTime":608.006,"endTime":608.285,"body":"wasn't "},{"speaker":"Speaker 3","startTime":608.286,"endTime":608.445,"body":"like "},{"speaker":"Speaker 3","startTime":608.446,"endTime":609.005,"body":"collectors "},{"speaker":"Speaker 3","startTime":609.205,"endTime":609.445,"body":"were "},{"speaker":"Speaker 3","startTime":609.446,"endTime":609.725,"body":"trying "},{"speaker":"Speaker 3","startTime":609.745,"endTime":609.965,"body":"to, "},{"speaker":"Speaker 3","startTime":610.785,"endTime":611.005,"body":"you "},{"speaker":"Speaker 3","startTime":611.006,"endTime":611.085,"body":"know, "},{"speaker":"Speaker 3","startTime":611.325,"endTime":611.605,"body":"bolster "},{"speaker":"Speaker 3","startTime":611.606,"endTime":611.765,"body":"the "},{"speaker":"Speaker 3","startTime":611.766,"endTime":612.245,"body":"underwriting "},{"speaker":"Speaker 3","startTime":612.246,"endTime":612.645,"body":"system "},{"speaker":"Speaker 3","startTime":612.665,"endTime":612.885,"body":"or "},{"speaker":"Speaker 3","startTime":612.886,"endTime":613.085,"body":"make "},{"speaker":"Speaker 3","startTime":613.086,"endTime":613.245,"body":"it "},{"speaker":"Speaker 3","startTime":613.246,"endTime":613.405,"body":"more "},{"speaker":"Speaker 3","startTime":613.406,"endTime":613.885,"body":"predictive. "},{"speaker":"Speaker 3","startTime":614.545,"endTime":614.765,"body":"So "},{"speaker":"Speaker 3","startTime":615.385,"endTime":615.605,"body":"we "},{"speaker":"Speaker 3","startTime":615.845,"endTime":615.845,"body":"used "},{"speaker":"Speaker 3","startTime":615.846,"endTime":616.045,"body":"that "},{"speaker":"Speaker 3","startTime":616.046,"endTime":616.325,"body":"report "},{"speaker":"Speaker 3","startTime":616.326,"endTime":616.525,"body":"to "},{"speaker":"Speaker 3","startTime":616.526,"endTime":616.725,"body":"really "},{"speaker":"Speaker 3","startTime":616.726,"endTime":616.965,"body":"talk "},{"speaker":"Speaker 3","startTime":616.966,"endTime":617.245,"body":"about "},{"speaker":"Speaker 3","startTime":617.585,"endTime":617.804,"body":"how "},{"speaker":"Speaker 3","startTime":617.805,"endTime":617.965,"body":"many "},{"speaker":"Speaker 3","startTime":618.445,"endTime":618.684,"body":"Americans "},{"speaker":"Speaker 3","startTime":618.925,"endTime":618.925,"body":"had "},{"speaker":"Speaker 3","startTime":618.926,"endTime":619.085,"body":"these "},{"speaker":"Speaker 3","startTime":619.086,"endTime":619.285,"body":"things "},{"speaker":"Speaker 3","startTime":619.304,"endTime":619.525,"body":"on "},{"speaker":"Speaker 3","startTime":619.526,"endTime":619.684,"body":"their "},{"speaker":"Speaker 3","startTime":619.685,"endTime":619.965,"body":"credit "},{"speaker":"Speaker 3","startTime":619.966,"endTime":620.405,"body":"reports, "},{"speaker":"Speaker 3","startTime":621.265,"endTime":621.485,"body":"how "},{"speaker":"Speaker 3","startTime":621.486,"endTime":621.804,"body":"often "},{"speaker":"Speaker 3","startTime":621.804,"endTime":621.804,"body":", "},{"speaker":"Speaker 3","startTime":622.445,"endTime":622.445,"body":"uh, "},{"speaker":"Speaker 3","startTime":622.446,"endTime":622.605,"body":"there "},{"speaker":"Speaker 3","startTime":622.606,"endTime":622.765,"body":"are "},{"speaker":"Speaker 3","startTime":622.766,"endTime":623.085,"body":"complaints "},{"speaker":"Speaker 3","startTime":623.095,"endTime":623.445,"body":"about "},{"speaker":"Speaker 3","startTime":623.446,"endTime":623.605,"body":"the "},{"speaker":"Speaker 3","startTime":623.885,"endTime":624.205,"body":"accuracy "},{"speaker":"Speaker 3","startTime":624.225,"endTime":624.445,"body":"of "},{"speaker":"Speaker 3","startTime":624.446,"endTime":624.645,"body":"those. "},{"speaker":"Speaker 3","startTime":625.585,"endTime":625.804,"body":"And "},{"speaker":"Speaker 3","startTime":625.805,"endTime":626.005,"body":"we "},{"speaker":"Speaker 3","startTime":626.006,"endTime":626.245,"body":"also "},{"speaker":"Speaker 3","startTime":626.246,"endTime":626.485,"body":"wanted "},{"speaker":"Speaker 3","startTime":626.486,"endTime":626.645,"body":"to "},{"speaker":"Speaker 3","startTime":626.646,"endTime":626.925,"body":"paint "},{"speaker":"Speaker 3","startTime":626.965,"endTime":627.085,"body":"a "},{"speaker":"Speaker 3","startTime":627.086,"endTime":627.245,"body":"picture "},{"speaker":"Speaker 3","startTime":627.545,"endTime":627.765,"body":"for "},{"speaker":"Speaker 3","startTime":627.766,"endTime":627.965,"body":"most "},{"speaker":"Speaker 3","startTime":628.325,"endTime":628.605,"body":"Americans, "},{"speaker":"Speaker 3","startTime":629.145,"endTime":629.365,"body":"you "},{"speaker":"Speaker 3","startTime":629.366,"endTime":629.445,"body":"know, "},{"speaker":"Speaker 3","startTime":629.446,"endTime":629.605,"body":"who "},{"speaker":"Speaker 3","startTime":629.606,"endTime":629.885,"body":"don't "},{"speaker":"Speaker 3","startTime":630.205,"endTime":630.205,"body":"sort "},{"speaker":"Speaker 3","startTime":630.206,"endTime":630.285,"body":"of "},{"speaker":"Speaker 3","startTime":630.286,"endTime":630.445,"body":"live "},{"speaker":"Speaker 3","startTime":630.446,"endTime":630.605,"body":"in "},{"speaker":"Speaker 3","startTime":630.606,"endTime":630.925,"body":"policy "},{"speaker":"Speaker 3","startTime":631.035,"endTime":631.325,"body":"that, "},{"speaker":"Speaker 3","startTime":631.326,"endTime":631.605,"body":"that "},{"speaker":"Speaker 3","startTime":631.865,"endTime":632.285,"body":"unlike "},{"speaker":"Speaker 3","startTime":632.304,"endTime":632.525,"body":"say, "},{"speaker":"Speaker 3","startTime":632.526,"endTime":632.765,"body":"credit "},{"speaker":"Speaker 3","startTime":632.795,"endTime":633.085,"body":"card "},{"speaker":"Speaker 3","startTime":633.086,"endTime":633.285,"body":"or "},{"speaker":"Speaker 3","startTime":633.565,"endTime":633.765,"body":"mortgage "},{"speaker":"Speaker 3","startTime":634.195,"endTime":634.885,"body":"information "},{"speaker":"Speaker 3","startTime":634.905,"endTime":635.125,"body":"on "},{"speaker":"Speaker 3","startTime":635.126,"endTime":635.285,"body":"your "},{"speaker":"Speaker 3","startTime":635.286,"endTime":635.525,"body":"credit "},{"speaker":"Speaker 3","startTime":635.526,"endTime":635.925,"body":"report, "},{"speaker":"Speaker 3","startTime":636.075,"endTime":636.365,"body":"many, "},{"speaker":"Speaker 3","startTime":636.366,"endTime":636.605,"body":"many "},{"speaker":"Speaker 3","startTime":636.606,"endTime":636.965,"body":"healthcare "},{"speaker":"Speaker 3","startTime":637.285,"endTime":637.565,"body":"providers, "},{"speaker":"Speaker 3","startTime":637.566,"endTime":637.845,"body":"maybe "},{"speaker":"Speaker 3","startTime":637.846,"endTime":638.085,"body":"even "},{"speaker":"Speaker 3","startTime":638.115,"endTime":638.405,"body":"most "},{"speaker":"Speaker 3","startTime":638.455,"endTime":638.804,"body":"don't "},{"speaker":"Speaker 3","startTime":638.805,"endTime":639.045,"body":"furnish. "},{"speaker":"Speaker 3","startTime":639.425,"endTime":639.645,"body":"And "},{"speaker":"Speaker 3","startTime":639.646,"endTime":639.845,"body":"so, "},{"speaker":"Speaker 3","startTime":640.145,"endTime":640.365,"body":"you "},{"speaker":"Speaker 3","startTime":640.366,"endTime":640.445,"body":"know, "},{"speaker":"Speaker 3","startTime":640.446,"endTime":641.885,"body":"99.4% "},{"speaker":"Speaker 3","startTime":641.945,"endTime":642.165,"body":"of "},{"speaker":"Speaker 3","startTime":642.166,"endTime":642.485,"body":"medical "},{"speaker":"Speaker 3","startTime":642.655,"endTime":643.005,"body":"trade "},{"speaker":"Speaker 3","startTime":643.205,"endTime":643.205,"body":"lines "},{"speaker":"Speaker 3","startTime":643.405,"endTime":643.405,"body":"are "},{"speaker":"Speaker 3","startTime":643.406,"endTime":643.925,"body":"furnished "},{"speaker":"Speaker 3","startTime":644.304,"endTime":644.525,"body":"by "},{"speaker":"Speaker 3","startTime":644.965,"endTime":645.085,"body":"somebody "},{"speaker":"Speaker 3","startTime":645.175,"endTime":645.525,"body":"other "},{"speaker":"Speaker 3","startTime":645.526,"endTime":645.765,"body":"than "},{"speaker":"Speaker 3","startTime":646.225,"endTime":646.445,"body":"the "},{"speaker":"Speaker 3","startTime":646.565,"endTime":646.765,"body":"person "},{"speaker":"Speaker 3","startTime":646.825,"endTime":647.045,"body":"who "},{"speaker":"Speaker 3","startTime":647.075,"endTime":647.365,"body":"owns "},{"speaker":"Speaker 3","startTime":647.366,"endTime":647.565,"body":"the "},{"speaker":"Speaker 3","startTime":647.566,"endTime":647.725,"body":"debt, "},{"speaker":"Speaker 3","startTime":647.775,"endTime":648.125,"body":"which "},{"speaker":"Speaker 3","startTime":648.126,"endTime":648.245,"body":"is "},{"speaker":"Speaker 3","startTime":648.246,"endTime":648.365,"body":"just "},{"speaker":"Speaker 3","startTime":648.366,"endTime":648.565,"body":"this "},{"speaker":"Speaker 3","startTime":648.566,"endTime":648.725,"body":"really "},{"speaker":"Speaker 3","startTime":648.726,"endTime":649.005,"body":"weird "},{"speaker":"Speaker 3","startTime":649.006,"endTime":649.325,"body":"dynamic "},{"speaker":"Speaker 3","startTime":649.455,"endTime":649.804,"body":"where "},{"speaker":"Speaker 3","startTime":649.805,"endTime":649.925,"body":"the "},{"speaker":"Speaker 3","startTime":649.926,"endTime":650.205,"body":"healthcare "},{"speaker":"Speaker 3","startTime":650.525,"endTime":650.645,"body":"provider "},{"speaker":"Speaker 3","startTime":650.695,"endTime":651.045,"body":"gives "},{"speaker":"Speaker 3","startTime":651.285,"endTime":651.285,"body":"the "},{"speaker":"Speaker 3","startTime":651.286,"endTime":651.485,"body":"stuff "},{"speaker":"Speaker 3","startTime":651.486,"endTime":651.645,"body":"to "},{"speaker":"Speaker 3","startTime":651.646,"endTime":651.765,"body":"a "},{"speaker":"Speaker 3","startTime":651.766,"endTime":651.925,"body":"debt "},{"speaker":"Speaker 3","startTime":651.926,"endTime":652.325,"body":"collector, "},{"speaker":"Speaker 3","startTime":652.326,"endTime":652.605,"body":"says, "},{"speaker":"Speaker 3","startTime":652.745,"endTime":652.965,"body":"Hey, "},{"speaker":"Speaker 3","startTime":652.966,"endTime":653.205,"body":"furnish "},{"speaker":"Speaker 3","startTime":653.315,"endTime":653.605,"body":"this "},{"speaker":"Speaker 3","startTime":653.606,"endTime":653.804,"body":"and "},{"speaker":"Speaker 3","startTime":653.805,"endTime":653.925,"body":"just "},{"speaker":"Speaker 3","startTime":653.926,"endTime":654.245,"body":"trust "},{"speaker":"Speaker 3","startTime":654.246,"endTime":654.405,"body":"me "},{"speaker":"Speaker 3","startTime":654.406,"endTime":654.565,"body":"that "},{"speaker":"Speaker 3","startTime":654.566,"endTime":654.765,"body":"it's "},{"speaker":"Speaker 3","startTime":654.965,"endTime":655.085,"body":"accurate. "},{"speaker":"Speaker 3","startTime":656.105,"endTime":656.325,"body":"So "},{"speaker":"Speaker 3","startTime":656.665,"endTime":656.885,"body":"we "},{"speaker":"Speaker 3","startTime":656.886,"endTime":657.165,"body":"issued "},{"speaker":"Speaker 3","startTime":657.166,"endTime":657.365,"body":"that "},{"speaker":"Speaker 3","startTime":657.366,"endTime":657.684,"body":"report "},{"speaker":"Speaker 3","startTime":658.184,"endTime":658.405,"body":"and "},{"speaker":"Speaker 3","startTime":658.406,"endTime":658.645,"body":"then "},{"speaker":"Speaker 3","startTime":658.665,"endTime":658.885,"body":"we "},{"speaker":"Speaker 3","startTime":659.125,"endTime":659.205,"body":"followed "},{"speaker":"Speaker 3","startTime":659.304,"endTime":659.525,"body":"up "},{"speaker":"Speaker 3","startTime":659.545,"endTime":659.765,"body":"on "},{"speaker":"Speaker 3","startTime":659.766,"endTime":659.885,"body":"it "},{"speaker":"Speaker 3","startTime":659.886,"endTime":660.005,"body":"with "},{"speaker":"Speaker 3","startTime":660.006,"endTime":660.125,"body":"some "},{"speaker":"Speaker 3","startTime":660.126,"endTime":660.485,"body":"additional "},{"speaker":"Speaker 3","startTime":660.845,"endTime":661.045,"body":"research "},{"speaker":"Speaker 3","startTime":661.046,"endTime":661.285,"body":"that "},{"speaker":"Speaker 3","startTime":661.286,"endTime":661.565,"body":"showed "},{"speaker":"Speaker 3","startTime":661.566,"endTime":661.725,"body":"that "},{"speaker":"Speaker 3","startTime":661.865,"endTime":662.285,"body":"unlike "},{"speaker":"Speaker 3","startTime":662.286,"endTime":662.565,"body":"most "},{"speaker":"Speaker 3","startTime":662.615,"endTime":662.965,"body":"trade "},{"speaker":"Speaker 3","startTime":663.165,"endTime":663.165,"body":"lines "},{"speaker":"Speaker 3","startTime":663.165,"endTime":663.165,"body":", "},{"speaker":"Speaker 3","startTime":663.215,"endTime":663.565,"body":"these "},{"speaker":"Speaker 3","startTime":663.615,"endTime":663.965,"body":"trade "},{"speaker":"Speaker 3","startTime":664.165,"endTime":664.165,"body":"lines "},{"speaker":"Speaker 3","startTime":664.166,"endTime":664.365,"body":"are "},{"speaker":"Speaker 3","startTime":664.565,"endTime":664.725,"body":"not "},{"speaker":"Speaker 3","startTime":664.726,"endTime":665.245,"body":"persistent "},{"speaker":"Speaker 3","startTime":665.745,"endTime":665.965,"body":"if "},{"speaker":"Speaker 3","startTime":665.966,"endTime":666.085,"body":"you "},{"speaker":"Speaker 3","startTime":666.086,"endTime":666.325,"body":"thought "},{"speaker":"Speaker 3","startTime":666.326,"endTime":666.605,"body":"someone "},{"speaker":"Speaker 3","startTime":666.665,"endTime":666.885,"body":"was "},{"speaker":"Speaker 3","startTime":666.886,"endTime":667.045,"body":"using "},{"speaker":"Speaker 3","startTime":667.065,"endTime":667.285,"body":"it "},{"speaker":"Speaker 3","startTime":667.286,"endTime":667.445,"body":"to "},{"speaker":"Speaker 3","startTime":667.446,"endTime":667.845,"body":"coerce "},{"speaker":"Speaker 3","startTime":667.846,"endTime":668.005,"body":"people "},{"speaker":"Speaker 3","startTime":668.025,"endTime":668.245,"body":"to "},{"speaker":"Speaker 3","startTime":668.246,"endTime":668.445,"body":"pay "},{"speaker":"Speaker 3","startTime":669.225,"endTime":669.445,"body":"the "},{"speaker":"Speaker 3","startTime":669.446,"endTime":669.684,"body":"data "},{"speaker":"Speaker 3","startTime":669.715,"endTime":670.325,"body":"basically "},{"speaker":"Speaker 3","startTime":670.505,"endTime":670.725,"body":"is "},{"speaker":"Speaker 3","startTime":670.726,"endTime":671.165,"body":"completely "},{"speaker":"Speaker 3","startTime":671.166,"endTime":671.725,"body":"consistent "},{"speaker":"Speaker 3","startTime":671.726,"endTime":671.885,"body":"with "},{"speaker":"Speaker 3","startTime":671.886,"endTime":672.085,"body":"that. "},{"speaker":"Speaker 3","startTime":672.086,"endTime":672.565,"body":"Smaller "},{"speaker":"Speaker 3","startTime":672.645,"endTime":673.205,"body":"balances "},{"speaker":"Speaker 3","startTime":673.206,"endTime":673.405,"body":"are "},{"speaker":"Speaker 3","startTime":673.406,"endTime":673.605,"body":"more "},{"speaker":"Speaker 3","startTime":673.606,"endTime":674.085,"body":"persistent "},{"speaker":"Speaker 3","startTime":674.245,"endTime":674.245,"body":"and "},{"speaker":"Speaker 3","startTime":674.246,"endTime":674.445,"body":"bigger "},{"speaker":"Speaker 3","startTime":674.485,"endTime":675.045,"body":"balances. "},{"speaker":"Speaker 3","startTime":675.475,"endTime":675.765,"body":"Most "},{"speaker":"Speaker 3","startTime":675.766,"endTime":675.925,"body":"of "},{"speaker":"Speaker 3","startTime":675.926,"endTime":676.045,"body":"the "},{"speaker":"Speaker 3","startTime":676.046,"endTime":676.485,"body":"balances "},{"speaker":"Speaker 3","startTime":676.486,"endTime":677.045,"body":"disappear "},{"speaker":"Speaker 3","startTime":677.046,"endTime":677.285,"body":"after "},{"speaker":"Speaker 3","startTime":677.445,"endTime":677.565,"body":"a "},{"speaker":"Speaker 3","startTime":677.566,"endTime":677.725,"body":"year "},{"speaker":"Speaker 3","startTime":677.726,"endTime":677.885,"body":"or "},{"speaker":"Speaker 3","startTime":677.886,"endTime":678.045,"body":"two "},{"speaker":"Speaker 3","startTime":678.075,"endTime":678.565,"body":"instead "},{"speaker":"Speaker 3","startTime":678.566,"endTime":678.684,"body":"of, "},{"speaker":"Speaker 3","startTime":678.685,"endTime":678.804,"body":"you "},{"speaker":"Speaker 3","startTime":678.845,"endTime":678.845,"body":"know "},{"speaker":"Speaker 3","startTime":678.845,"endTime":678.845,"body":", "},{"speaker":"Speaker 3","startTime":678.846,"endTime":679.005,"body":"the "},{"speaker":"Speaker 3","startTime":679.006,"endTime":679.205,"body":"seven "},{"speaker":"Speaker 3","startTime":679.206,"endTime":679.445,"body":"years "},{"speaker":"Speaker 3","startTime":679.446,"endTime":679.645,"body":"that "},{"speaker":"Speaker 3","startTime":679.646,"endTime":679.765,"body":"it "},{"speaker":"Speaker 3","startTime":679.766,"endTime":679.925,"body":"takes "},{"speaker":"Speaker 3","startTime":679.926,"endTime":680.285,"body":"before "},{"speaker":"Speaker 3","startTime":680.286,"endTime":680.525,"body":"most "},{"speaker":"Speaker 3","startTime":680.535,"endTime":680.885,"body":"trade "},{"speaker":"Speaker 3","startTime":680.886,"endTime":681.125,"body":"lines "},{"speaker":"Speaker 3","startTime":681.705,"endTime":682.125,"body":"become "},{"speaker":"Speaker 3","startTime":682.355,"endTime":683.045,"body":"obsolescent. "},{"speaker":"Speaker 3","startTime":683.385,"endTime":683.605,"body":"And "},{"speaker":"Speaker 3","startTime":683.715,"endTime":684.205,"body":"shortly "},{"speaker":"Speaker 3","startTime":684.295,"endTime":684.645,"body":"after "},{"speaker":"Speaker 3","startTime":684.745,"endTime":684.965,"body":"the "},{"speaker":"Speaker 3","startTime":684.966,"endTime":685.365,"body":"report, "},{"speaker":"Speaker 3","startTime":685.715,"endTime":686.005,"body":"like "},{"speaker":"Speaker 3","startTime":686.145,"endTime":686.365,"body":"the "},{"speaker":"Speaker 3","startTime":686.845,"endTime":687.005,"body":"National "},{"speaker":"Speaker 3","startTime":687.006,"endTime":687.245,"body":"Credit "},{"speaker":"Speaker 3","startTime":687.246,"endTime":687.804,"body":"reporting "},{"speaker":"Speaker 3","startTime":688.085,"endTime":688.245,"body":"companies, "},{"speaker":"Speaker 3","startTime":688.275,"endTime":688.765,"body":"Equifax, "},{"speaker":"Speaker 3","startTime":688.766,"endTime":689.405,"body":"TransUnion, "},{"speaker":"Speaker 3","startTime":689.406,"endTime":689.845,"body":"Experian "},{"speaker":"Speaker 3","startTime":689.846,"endTime":690.125,"body":"announced "},{"speaker":"Speaker 3","startTime":690.126,"endTime":690.285,"body":"they "},{"speaker":"Speaker 3","startTime":690.286,"endTime":690.445,"body":"were "},{"speaker":"Speaker 3","startTime":690.446,"endTime":690.605,"body":"getting "},{"speaker":"Speaker 3","startTime":690.625,"endTime":690.845,"body":"rid "},{"speaker":"Speaker 3","startTime":690.846,"endTime":691.005,"body":"of "},{"speaker":"Speaker 3","startTime":691.006,"endTime":691.205,"body":"half "},{"speaker":"Speaker 3","startTime":691.206,"endTime":691.405,"body":"of "},{"speaker":"Speaker 3","startTime":691.406,"endTime":691.565,"body":"these "},{"speaker":"Speaker 3","startTime":691.566,"endTime":691.765,"body":"things, "},{"speaker":"Speaker 3","startTime":692.415,"endTime":692.765,"body":"which "},{"speaker":"Speaker 3","startTime":692.785,"endTime":693.005,"body":"was, "},{"speaker":"Speaker 3","startTime":693.184,"endTime":693.405,"body":"you "},{"speaker":"Speaker 3","startTime":693.406,"endTime":693.485,"body":"know, "},{"speaker":"Speaker 3","startTime":693.715,"endTime":694.005,"body":"kind "},{"speaker":"Speaker 3","startTime":694.006,"endTime":694.125,"body":"of "},{"speaker":"Speaker 3","startTime":694.205,"endTime":694.325,"body":"a "},{"speaker":"Speaker 3","startTime":694.745,"endTime":694.965,"body":"jaw "},{"speaker":"Speaker 3","startTime":695.165,"endTime":695.285,"body":"dropping, "},{"speaker":"Speaker 3","startTime":695.425,"endTime":695.645,"body":"but "},{"speaker":"Speaker 3","startTime":695.646,"endTime":695.885,"body":"also "},{"speaker":"Speaker 3","startTime":696.005,"endTime":696.125,"body":"I "},{"speaker":"Speaker 3","startTime":696.126,"endTime":696.245,"body":"think "},{"speaker":"Speaker 3","startTime":696.246,"endTime":696.525,"body":"cool "},{"speaker":"Speaker 3","startTime":696.545,"endTime":696.765,"body":"for "},{"speaker":"Speaker 3","startTime":696.965,"endTime":697.325,"body":"consumers. "},{"speaker":"Speaker 3","startTime":697.425,"endTime":697.645,"body":"But "},{"speaker":"Speaker 3","startTime":697.725,"endTime":697.845,"body":"I "},{"speaker":"Speaker 3","startTime":697.846,"endTime":697.965,"body":"think "},{"speaker":"Speaker 3","startTime":697.966,"endTime":698.085,"body":"a "},{"speaker":"Speaker 3","startTime":698.086,"endTime":698.165,"body":"lot "},{"speaker":"Speaker 3","startTime":698.166,"endTime":698.245,"body":"of "},{"speaker":"Speaker 3","startTime":698.246,"endTime":698.485,"body":"policy "},{"speaker":"Speaker 3","startTime":698.885,"endTime":698.885,"body":"makers "},{"speaker":"Speaker 3","startTime":698.886,"endTime":699.165,"body":"were "},{"speaker":"Speaker 3","startTime":699.166,"endTime":699.325,"body":"like, "},{"speaker":"Speaker 3","startTime":699.326,"endTime":699.525,"body":"well, "},{"speaker":"Speaker 3","startTime":699.526,"endTime":699.684,"body":"what "},{"speaker":"Speaker 3","startTime":699.685,"endTime":699.845,"body":"about "},{"speaker":"Speaker 3","startTime":699.846,"endTime":699.965,"body":"the "},{"speaker":"Speaker 3","startTime":699.966,"endTime":700.125,"body":"other "},{"speaker":"Speaker 3","startTime":700.126,"endTime":700.325,"body":"half? "},{"speaker":"Speaker 3","startTime":700.545,"endTime":700.765,"body":"You "},{"speaker":"Speaker 3","startTime":700.766,"endTime":700.845,"body":"know, "},{"speaker":"Speaker 3","startTime":700.865,"endTime":701.085,"body":"if "},{"speaker":"Speaker 3","startTime":701.105,"endTime":701.325,"body":"the "},{"speaker":"Speaker 3","startTime":701.445,"endTime":702.005,"body":"balances "},{"speaker":"Speaker 3","startTime":702.125,"endTime":702.325,"body":"under "},{"speaker":"Speaker 3","startTime":702.326,"endTime":702.765,"body":"500 "},{"speaker":"Speaker 3","startTime":702.945,"endTime":703.165,"body":"are "},{"speaker":"Speaker 3","startTime":703.166,"endTime":703.765,"body":"problematic, "},{"speaker":"Speaker 3","startTime":703.955,"endTime":704.245,"body":"what "},{"speaker":"Speaker 3","startTime":704.246,"endTime":704.405,"body":"about "},{"speaker":"Speaker 3","startTime":704.406,"endTime":704.525,"body":"the "},{"speaker":"Speaker 3","startTime":704.526,"endTime":704.765,"body":"balance "},{"speaker":"Speaker 3","startTime":705.045,"endTime":705.045,"body":"is "},{"speaker":"Speaker 3","startTime":705.046,"endTime":705.245,"body":"over? "},{"speaker":"Speaker 3","startTime":705.745,"endTime":705.965,"body":"And "},{"speaker":"Speaker 3","startTime":705.966,"endTime":706.125,"body":"then "},{"speaker":"Speaker 3","startTime":706.145,"endTime":706.365,"body":"if "},{"speaker":"Speaker 3","startTime":706.366,"endTime":706.485,"body":"you "},{"speaker":"Speaker 3","startTime":706.486,"endTime":706.684,"body":"look, "},{"speaker":"Speaker 3","startTime":706.785,"endTime":707.005,"body":"if "},{"speaker":"Speaker 3","startTime":707.006,"endTime":707.205,"body":"you've "},{"speaker":"Speaker 3","startTime":707.206,"endTime":707.285,"body":"been "},{"speaker":"Speaker 3","startTime":707.286,"endTime":707.565,"body":"following "},{"speaker":"Speaker 3","startTime":707.566,"endTime":707.725,"body":"what "},{"speaker":"Speaker 3","startTime":707.726,"endTime":707.925,"body":"we've "},{"speaker":"Speaker 3","startTime":707.926,"endTime":708.005,"body":"been "},{"speaker":"Speaker 3","startTime":708.006,"endTime":708.085,"body":"up "},{"speaker":"Speaker 3","startTime":708.086,"endTime":708.205,"body":"to, "},{"speaker":"Speaker 3","startTime":708.265,"endTime":708.485,"body":"we "},{"speaker":"Speaker 3","startTime":708.486,"endTime":708.684,"body":"just "},{"speaker":"Speaker 3","startTime":709.165,"endTime":709.165,"body":"we're "},{"speaker":"Speaker 3","startTime":709.166,"endTime":709.245,"body":"in "},{"speaker":"Speaker 3","startTime":709.246,"endTime":709.325,"body":"the "},{"speaker":"Speaker 3","startTime":709.326,"endTime":709.485,"body":"very "},{"speaker":"Speaker 3","startTime":709.486,"endTime":709.684,"body":"early "},{"speaker":"Speaker 3","startTime":709.685,"endTime":710.045,"body":"stages "},{"speaker":"Speaker 3","startTime":710.184,"endTime":710.405,"body":"of "},{"speaker":"Speaker 3","startTime":710.525,"endTime":710.645,"body":"a "},{"speaker":"Speaker 3","startTime":710.845,"endTime":710.965,"body":"proposed "},{"speaker":"Speaker 3","startTime":710.966,"endTime":711.525,"body":"rulemaking "},{"speaker":"Speaker 3","startTime":711.585,"endTime":711.804,"body":"on "},{"speaker":"Speaker 3","startTime":711.805,"endTime":711.925,"body":"the "},{"speaker":"Speaker 3","startTime":711.926,"endTime":712.085,"body":"Fair "},{"speaker":"Speaker 3","startTime":712.086,"endTime":712.325,"body":"Credit "},{"speaker":"Speaker 3","startTime":712.955,"endTime":713.565,"body":"Reporting "},{"speaker":"Speaker 3","startTime":713.585,"endTime":713.804,"body":"Act "},{"speaker":"Speaker 3","startTime":713.805,"endTime":713.965,"body":"that "},{"speaker":"Speaker 3","startTime":713.966,"endTime":714.165,"body":"would "},{"speaker":"Speaker 3","startTime":714.365,"endTime":714.485,"body":"actually "},{"speaker":"Speaker 3","startTime":715.325,"endTime":715.445,"body":"ban "},{"speaker":"Speaker 3","startTime":715.446,"endTime":715.645,"body":"the "},{"speaker":"Speaker 3","startTime":715.646,"endTime":715.845,"body":"use "},{"speaker":"Speaker 3","startTime":715.846,"endTime":716.045,"body":"of "},{"speaker":"Speaker 3","startTime":716.046,"endTime":716.285,"body":"medical "},{"speaker":"Speaker 3","startTime":716.286,"endTime":716.925,"body":"information "},{"speaker":"Speaker 3","startTime":716.985,"endTime":717.205,"body":"for "},{"speaker":"Speaker 3","startTime":717.206,"endTime":717.725,"body":"underwriting "},{"speaker":"Speaker 3","startTime":717.745,"endTime":717.965,"body":"and "},{"speaker":"Speaker 3","startTime":717.966,"endTime":718.125,"body":"the "},{"speaker":"Speaker 3","startTime":718.126,"endTime":718.565,"body":"furnishing "},{"speaker":"Speaker 3","startTime":718.566,"endTime":718.684,"body":"of "},{"speaker":"Speaker 3","startTime":718.685,"endTime":718.804,"body":"that, "},{"speaker":"Speaker 3","startTime":718.805,"endTime":719.125,"body":"which, "},{"speaker":"Speaker 3","startTime":719.135,"endTime":719.485,"body":"which, "},{"speaker":"Speaker 3","startTime":719.625,"endTime":719.845,"body":"you "},{"speaker":"Speaker 3","startTime":719.846,"endTime":719.965,"body":"know, "},{"speaker":"Speaker 3","startTime":720.245,"endTime":720.245,"body":"maybe "},{"speaker":"Speaker 3","startTime":720.495,"endTime":720.845,"body":"could "},{"speaker":"Speaker 3","startTime":721.085,"endTime":721.285,"body":"possibly, "},{"speaker":"Speaker 3","startTime":721.286,"endTime":721.485,"body":"the "},{"speaker":"Speaker 3","startTime":721.486,"endTime":721.804,"body":"outcome "},{"speaker":"Speaker 3","startTime":721.805,"endTime":721.925,"body":"of "},{"speaker":"Speaker 3","startTime":721.926,"endTime":722.085,"body":"that "},{"speaker":"Speaker 3","startTime":722.086,"endTime":722.285,"body":"rule "},{"speaker":"Speaker 3","startTime":722.286,"endTime":722.565,"body":"could "},{"speaker":"Speaker 3","startTime":722.566,"endTime":722.684,"body":"be "},{"speaker":"Speaker 3","startTime":722.685,"endTime":722.885,"body":"that "},{"speaker":"Speaker 3","startTime":723.184,"endTime":723.405,"body":"all "},{"speaker":"Speaker 3","startTime":723.406,"endTime":723.645,"body":"medical "},{"speaker":"Speaker 3","startTime":723.715,"endTime":724.005,"body":"debt "},{"speaker":"Speaker 3","startTime":724.006,"endTime":724.285,"body":"trade "},{"speaker":"Speaker 3","startTime":724.525,"endTime":724.525,"body":"lines "},{"speaker":"Speaker 3","startTime":724.526,"endTime":724.725,"body":"are "},{"speaker":"Speaker 3","startTime":724.726,"endTime":724.925,"body":"off "},{"speaker":"Speaker 3","startTime":725.125,"endTime":725.445,"body":"consumers "},{"speaker":"Speaker 3","startTime":725.446,"endTime":725.765,"body":"credit "},{"speaker":"Speaker 3","startTime":725.766,"endTime":726.205,"body":"reports. "},{"speaker":"Speaker 3","startTime":726.985,"endTime":727.205,"body":"And "},{"speaker":"Speaker 3","startTime":727.206,"endTime":727.405,"body":"during "},{"speaker":"Speaker 3","startTime":727.406,"endTime":727.565,"body":"this "},{"speaker":"Speaker 3","startTime":727.566,"endTime":727.725,"body":"time, "},{"speaker":"Speaker 3","startTime":727.726,"endTime":727.885,"body":"we "},{"speaker":"Speaker 3","startTime":727.886,"endTime":728.085,"body":"also "},{"speaker":"Speaker 3","startTime":728.405,"endTime":728.405,"body":"noticed "},{"speaker":"Speaker 3","startTime":728.406,"endTime":728.684,"body":"that "},{"speaker":"Speaker 3","startTime":728.795,"endTime":729.085,"body":"both "},{"speaker":"Speaker 3","startTime":729.765,"endTime":729.765,"body":"FICO "},{"speaker":"Speaker 3","startTime":729.766,"endTime":729.965,"body":"and "},{"speaker":"Speaker 3","startTime":729.966,"endTime":730.245,"body":"Vantage "},{"speaker":"Speaker 3","startTime":730.375,"endTime":730.725,"body":"score, "},{"speaker":"Speaker 3","startTime":730.825,"endTime":731.045,"body":"the "},{"speaker":"Speaker 3","startTime":731.245,"endTime":731.405,"body":"two "},{"speaker":"Speaker 3","startTime":731.425,"endTime":731.645,"body":"big "},{"speaker":"Speaker 3","startTime":731.925,"endTime":732.285,"body":"providers "},{"speaker":"Speaker 3","startTime":733.385,"endTime":733.605,"body":"of "},{"speaker":"Speaker 3","startTime":733.625,"endTime":734.045,"body":"scores "},{"speaker":"Speaker 3","startTime":735.005,"endTime":735.005,"body":"were "},{"speaker":"Speaker 3","startTime":735.525,"endTime":736.005,"body":"progressively "},{"speaker":"Speaker 3","startTime":736.355,"endTime":736.965,"body":"devaluing "},{"speaker":"Speaker 3","startTime":736.966,"endTime":737.285,"body":"medical "},{"speaker":"Speaker 3","startTime":737.355,"endTime":737.645,"body":"debt "},{"speaker":"Speaker 3","startTime":737.646,"endTime":738.045,"body":"anyway, "},{"speaker":"Speaker 3","startTime":738.205,"endTime":738.325,"body":"I "},{"speaker":"Speaker 3","startTime":738.326,"endTime":738.445,"body":"think "},{"speaker":"Speaker 3","startTime":738.955,"endTime":739.565,"body":"realizing "},{"speaker":"Speaker 3","startTime":740.035,"endTime":740.325,"body":"that "},{"speaker":"Speaker 3","startTime":740.326,"endTime":740.725,"body":"really "},{"speaker":"Speaker 3","startTime":740.726,"endTime":741.125,"body":"wasn't "},{"speaker":"Speaker 3","startTime":741.126,"endTime":741.605,"body":"predictive "},{"speaker":"Speaker 3","startTime":741.606,"endTime":741.804,"body":"of "},{"speaker":"Speaker 3","startTime":741.805,"endTime":742.005,"body":"whether "},{"speaker":"Speaker 3","startTime":742.125,"endTime":742.245,"body":"a "},{"speaker":"Speaker 3","startTime":742.365,"endTime":742.525,"body":"consumer "},{"speaker":"Speaker 3","startTime":742.526,"endTime":742.845,"body":"might "},{"speaker":"Speaker 3","startTime":742.846,"endTime":743.205,"body":"default "},{"speaker":"Speaker 3","startTime":743.225,"endTime":743.445,"body":"in "},{"speaker":"Speaker 3","startTime":743.446,"endTime":743.565,"body":"the "},{"speaker":"Speaker 3","startTime":743.566,"endTime":743.804,"body":"future. "},{"speaker":"Speaker 3","startTime":744.265,"endTime":744.485,"body":"And "},{"speaker":"Speaker 3","startTime":744.605,"endTime":744.605,"body":"then "},{"speaker":"Speaker 3","startTime":744.606,"endTime":744.885,"body":"Vantage "},{"speaker":"Speaker 3","startTime":745.205,"endTime":745.205,"body":"score "},{"speaker":"Speaker 3","startTime":745.235,"endTime":745.525,"body":"took "},{"speaker":"Speaker 3","startTime":746.125,"endTime":746.125,"body":"an "},{"speaker":"Speaker 3","startTime":746.125,"endTime":746.125,"body":", "},{"speaker":"Speaker 3","startTime":746.325,"endTime":746.445,"body":"a "},{"speaker":"Speaker 3","startTime":746.446,"endTime":746.645,"body":"step "},{"speaker":"Speaker 3","startTime":746.745,"endTime":746.965,"body":"of "},{"speaker":"Speaker 3","startTime":746.966,"endTime":747.245,"body":"going "},{"speaker":"Speaker 3","startTime":747.304,"endTime":747.525,"body":"so "},{"speaker":"Speaker 3","startTime":747.526,"endTime":747.645,"body":"far, "},{"speaker":"Speaker 3","startTime":747.765,"endTime":747.885,"body":"I "},{"speaker":"Speaker 3","startTime":747.886,"endTime":747.965,"body":"think "},{"speaker":"Speaker 3","startTime":748.105,"endTime":748.325,"body":"is "},{"speaker":"Speaker 3","startTime":748.326,"endTime":748.925,"body":"announcing "},{"speaker":"Speaker 3","startTime":748.926,"endTime":749.085,"body":"that "},{"speaker":"Speaker 3","startTime":749.086,"endTime":749.365,"body":"it's "},{"speaker":"Speaker 3","startTime":749.645,"endTime":750.045,"body":"latest "},{"speaker":"Speaker 3","startTime":750.125,"endTime":750.684,"body":"versions, "},{"speaker":"Speaker 3","startTime":750.685,"endTime":750.925,"body":"version "},{"speaker":"Speaker 3","startTime":750.934,"endTime":751.684,"body":"3.0 "},{"speaker":"Speaker 3","startTime":751.685,"endTime":751.845,"body":"and "},{"speaker":"Speaker 3","startTime":751.846,"endTime":752.405,"body":"4.0 "},{"speaker":"Speaker 3","startTime":752.406,"endTime":752.645,"body":"would "},{"speaker":"Speaker 3","startTime":752.646,"endTime":752.845,"body":"not "},{"speaker":"Speaker 3","startTime":752.865,"endTime":753.085,"body":"use "},{"speaker":"Speaker 3","startTime":753.086,"endTime":753.405,"body":"medical "},{"speaker":"Speaker 3","startTime":753.475,"endTime":753.765,"body":"debt "},{"speaker":"Speaker 3","startTime":753.905,"endTime":754.125,"body":"at "},{"speaker":"Speaker 3","startTime":754.145,"endTime":754.365,"body":"all "},{"speaker":"Speaker 3","startTime":754.545,"endTime":754.765,"body":"in "},{"speaker":"Speaker 3","startTime":754.785,"endTime":755.005,"body":"its "},{"speaker":"Speaker 3","startTime":755.006,"endTime":755.405,"body":"underwriting. "},{"speaker":"Speaker 3","startTime":755.745,"endTime":755.965,"body":"So, "},{"speaker":"Speaker 3","startTime":756.105,"endTime":756.325,"body":"but "},{"speaker":"Speaker 3","startTime":756.326,"endTime":756.525,"body":"listen, "},{"speaker":"Speaker 3","startTime":757.125,"endTime":757.245,"body":"I "},{"speaker":"Speaker 3","startTime":757.246,"endTime":757.405,"body":"could "},{"speaker":"Speaker 3","startTime":757.406,"endTime":757.525,"body":"go "},{"speaker":"Speaker 3","startTime":757.526,"endTime":757.684,"body":"on "},{"speaker":"Speaker 3","startTime":757.685,"endTime":757.845,"body":"and "},{"speaker":"Speaker 3","startTime":757.846,"endTime":758.005,"body":"on. "},{"speaker":"Speaker 3","startTime":758.095,"endTime":758.445,"body":"We're "},{"speaker":"Speaker 3","startTime":758.446,"endTime":758.605,"body":"about "},{"speaker":"Speaker 3","startTime":758.606,"endTime":758.725,"body":"to "},{"speaker":"Speaker 3","startTime":758.726,"endTime":759.045,"body":"release, "},{"speaker":"Speaker 3","startTime":759.615,"endTime":759.965,"body":"we're "},{"speaker":"Speaker 3","startTime":759.966,"endTime":760.085,"body":"about "},{"speaker":"Speaker 3","startTime":760.086,"endTime":760.245,"body":"to "},{"speaker":"Speaker 3","startTime":760.246,"endTime":760.485,"body":"release "},{"speaker":"Speaker 3","startTime":760.585,"endTime":760.804,"body":"our "},{"speaker":"Speaker 3","startTime":761.125,"endTime":761.125,"body":"Card "},{"speaker":"Speaker 3","startTime":761.325,"endTime":761.325,"body":"ACT "},{"speaker":"Speaker 3","startTime":761.326,"endTime":761.684,"body":"report, "},{"speaker":"Speaker 3","startTime":761.685,"endTime":761.925,"body":"which "},{"speaker":"Speaker 3","startTime":761.926,"endTime":762.085,"body":"we "},{"speaker":"Speaker 3","startTime":762.086,"endTime":762.205,"body":"do "},{"speaker":"Speaker 3","startTime":762.206,"endTime":762.405,"body":"every "},{"speaker":"Speaker 3","startTime":762.425,"endTime":762.645,"body":"two "},{"speaker":"Speaker 3","startTime":762.646,"endTime":762.885,"body":"years, "},{"speaker":"Speaker 3","startTime":763.295,"endTime":763.645,"body":"which, "},{"speaker":"Speaker 3","startTime":763.985,"endTime":764.205,"body":"you "},{"speaker":"Speaker 3","startTime":764.206,"endTime":764.325,"body":"know, "},{"speaker":"Speaker 3","startTime":764.445,"endTime":764.565,"body":"I "},{"speaker":"Speaker 3","startTime":764.566,"endTime":764.684,"body":"think "},{"speaker":"Speaker 3","startTime":765.125,"endTime":765.245,"body":"I "},{"speaker":"Speaker 3","startTime":765.246,"endTime":765.405,"body":"wanna "},{"speaker":"Speaker 3","startTime":765.406,"endTime":765.565,"body":"say "},{"speaker":"Speaker 3","startTime":765.566,"endTime":765.965,"body":"something "},{"speaker":"Speaker 3","startTime":765.966,"endTime":766.085,"body":"like "},{"speaker":"Speaker 3","startTime":766.086,"endTime":766.645,"body":"80 "},{"speaker":"Speaker 3","startTime":766.645,"endTime":766.645,"body":"million "},{"speaker":"Speaker 3","startTime":767.045,"endTime":767.245,"body":"Americans "},{"speaker":"Speaker 3","startTime":767.246,"endTime":767.405,"body":"or "},{"speaker":"Speaker 3","startTime":767.406,"endTime":767.645,"body":"more "},{"speaker":"Speaker 3","startTime":767.646,"endTime":767.845,"body":"have "},{"speaker":"Speaker 3","startTime":767.846,"endTime":768.125,"body":"credit "},{"speaker":"Speaker 3","startTime":768.135,"endTime":768.485,"body":"cards, "},{"speaker":"Speaker 3","startTime":768.745,"endTime":768.965,"body":"and "},{"speaker":"Speaker 3","startTime":768.966,"endTime":769.125,"body":"most "},{"speaker":"Speaker 3","startTime":769.126,"endTime":769.245,"body":"of "},{"speaker":"Speaker 3","startTime":769.325,"endTime":769.325,"body":"them "},{"speaker":"Speaker 3","startTime":769.326,"endTime":769.565,"body":"have "},{"speaker":"Speaker 3","startTime":769.804,"endTime":769.925,"body":"multiple "},{"speaker":"Speaker 3","startTime":769.926,"endTime":770.205,"body":"cards, "},{"speaker":"Speaker 3","startTime":770.265,"endTime":770.485,"body":"but "},{"speaker":"Speaker 3","startTime":770.486,"endTime":770.645,"body":"that "},{"speaker":"Speaker 3","startTime":770.646,"endTime":771.005,"body":"report "},{"speaker":"Speaker 3","startTime":771.545,"endTime":771.765,"body":"is "},{"speaker":"Speaker 3","startTime":771.766,"endTime":772.005,"body":"just "},{"speaker":"Speaker 3","startTime":772.315,"endTime":772.605,"body":"rich "},{"speaker":"Speaker 3","startTime":772.635,"endTime":772.925,"body":"with "},{"speaker":"Speaker 3","startTime":772.926,"endTime":773.205,"body":"data "},{"speaker":"Speaker 3","startTime":773.304,"endTime":773.525,"body":"for "},{"speaker":"Speaker 3","startTime":773.526,"endTime":773.845,"body":"policy "},{"speaker":"Speaker 3","startTime":774.405,"endTime":774.405,"body":"makers "},{"speaker":"Speaker 3","startTime":774.405,"endTime":774.405,"body":", "},{"speaker":"Speaker 3","startTime":774.755,"endTime":775.365,"body":"including "},{"speaker":"Speaker 3","startTime":775.804,"endTime":776.125,"body":"behaviors "},{"speaker":"Speaker 3","startTime":776.126,"endTime":776.245,"body":"of "},{"speaker":"Speaker 3","startTime":776.246,"endTime":776.445,"body":"debt "},{"speaker":"Speaker 3","startTime":776.446,"endTime":776.725,"body":"buyers, "},{"speaker":"Speaker 3","startTime":776.795,"endTime":777.085,"body":"debt "},{"speaker":"Speaker 3","startTime":777.086,"endTime":777.525,"body":"sellers. "},{"speaker":"Speaker 3","startTime":777.565,"endTime":777.684,"body":"I "},{"speaker":"Speaker 3","startTime":777.685,"endTime":777.765,"body":"think "},{"speaker":"Speaker 3","startTime":777.766,"endTime":778.045,"body":"we've "},{"speaker":"Speaker 3","startTime":778.046,"endTime":778.165,"body":"got "},{"speaker":"Speaker 3","startTime":778.835,"endTime":779.525,"body":"information "},{"speaker":"Speaker 3","startTime":779.665,"endTime":779.885,"body":"on "},{"speaker":"Speaker 3","startTime":779.886,"endTime":780.085,"body":"there "},{"speaker":"Speaker 3","startTime":780.255,"endTime":780.605,"body":"about "},{"speaker":"Speaker 3","startTime":781.275,"endTime":781.565,"body":"sort "},{"speaker":"Speaker 3","startTime":781.566,"endTime":781.684,"body":"of "},{"speaker":"Speaker 3","startTime":781.785,"endTime":782.005,"body":"the "},{"speaker":"Speaker 3","startTime":782.245,"endTime":782.405,"body":"behavior "},{"speaker":"Speaker 3","startTime":782.545,"endTime":782.765,"body":"of "},{"speaker":"Speaker 3","startTime":782.766,"endTime":783.085,"body":"credit "},{"speaker":"Speaker 3","startTime":783.115,"endTime":783.405,"body":"card "},{"speaker":"Speaker 3","startTime":783.515,"endTime":784.005,"body":"issuers "},{"speaker":"Speaker 3","startTime":784.006,"endTime":784.205,"body":"and, "},{"speaker":"Speaker 3","startTime":784.465,"endTime":784.684,"body":"and "},{"speaker":"Speaker 3","startTime":784.685,"endTime":784.804,"body":"their "},{"speaker":"Speaker 3","startTime":785.165,"endTime":785.445,"body":"customers "},{"speaker":"Speaker 3","startTime":785.804,"endTime":785.804,"body":"by "},{"speaker":"Speaker 3","startTime":786.765,"endTime":786.765,"body":"FICO "},{"speaker":"Speaker 3","startTime":787.045,"endTime":787.045,"body":"band "},{"speaker":"Speaker 3","startTime":787.045,"endTime":787.045,"body":". "},{"speaker":"Speaker 3","startTime":787.505,"endTime":787.725,"body":"So, "},{"speaker":"Speaker 3","startTime":788.065,"endTime":788.285,"body":"you "},{"speaker":"Speaker 3","startTime":788.286,"endTime":788.365,"body":"know, "},{"speaker":"Speaker 3","startTime":788.645,"endTime":788.645,"body":"that "},{"speaker":"Speaker 3","startTime":788.646,"endTime":789.005,"body":"that's "},{"speaker":"Speaker 3","startTime":789.165,"endTime":789.285,"body":"a "},{"speaker":"Speaker 3","startTime":789.286,"endTime":789.525,"body":"report "},{"speaker":"Speaker 3","startTime":789.684,"endTime":789.684,"body":"the "},{"speaker":"Speaker 3","startTime":789.685,"endTime":789.845,"body":"team "},{"speaker":"Speaker 3","startTime":789.875,"endTime":790.165,"body":"puts "},{"speaker":"Speaker 3","startTime":790.166,"endTime":790.285,"body":"out "},{"speaker":"Speaker 3","startTime":790.286,"endTime":790.485,"body":"every "},{"speaker":"Speaker 3","startTime":790.486,"endTime":790.684,"body":"two "},{"speaker":"Speaker 3","startTime":790.685,"endTime":790.845,"body":"years "},{"speaker":"Speaker 3","startTime":790.846,"endTime":791.045,"body":"that "},{"speaker":"Speaker 3","startTime":791.046,"endTime":791.285,"body":"we're "},{"speaker":"Speaker 3","startTime":791.286,"endTime":791.405,"body":"really "},{"speaker":"Speaker 3","startTime":791.406,"endTime":791.645,"body":"proud "},{"speaker":"Speaker 3","startTime":791.646,"endTime":791.804,"body":"of, "},{"speaker":"Speaker 3","startTime":791.825,"endTime":792.045,"body":"and "},{"speaker":"Speaker 3","startTime":792.046,"endTime":792.285,"body":"it's, "},{"speaker":"Speaker 3","startTime":792.395,"endTime":792.684,"body":"it's "},{"speaker":"Speaker 3","startTime":792.685,"endTime":792.845,"body":"big "},{"speaker":"Speaker 3","startTime":792.846,"endTime":792.965,"body":"and "},{"speaker":"Speaker 3","startTime":792.966,"endTime":793.205,"body":"it's "},{"speaker":"Speaker 3","startTime":793.206,"endTime":793.485,"body":"complex. "},{"speaker":"Speaker 3","startTime":793.785,"endTime":794.005,"body":"Oh, "},{"speaker":"Speaker 3","startTime":794.025,"endTime":794.245,"body":"and "},{"speaker":"Speaker 3","startTime":794.265,"endTime":794.485,"body":"buy "},{"speaker":"Speaker 3","startTime":794.486,"endTime":794.645,"body":"now, "},{"speaker":"Speaker 3","startTime":794.646,"endTime":794.804,"body":"pay "},{"speaker":"Speaker 3","startTime":794.805,"endTime":795.045,"body":"later, "},{"speaker":"Speaker 3","startTime":795.105,"endTime":795.325,"body":"the "},{"speaker":"Speaker 3","startTime":795.326,"endTime":795.485,"body":"team "},{"speaker":"Speaker 3","startTime":795.955,"endTime":796.245,"body":"used "},{"speaker":"Speaker 3","startTime":796.246,"endTime":796.445,"body":"our "},{"speaker":"Speaker 3","startTime":796.446,"endTime":797.045,"body":"10 "},{"speaker":"Speaker 3","startTime":797.045,"endTime":797.045,"body":"22 "},{"speaker":"Speaker 3","startTime":797.046,"endTime":797.485,"body":"authority "},{"speaker":"Speaker 3","startTime":798.065,"endTime":798.285,"body":"to "},{"speaker":"Speaker 3","startTime":799.015,"endTime":799.365,"body":"issue "},{"speaker":"Speaker 3","startTime":799.565,"endTime":799.684,"body":"a "},{"speaker":"Speaker 3","startTime":799.685,"endTime":800.005,"body":"report "},{"speaker":"Speaker 3","startTime":800.105,"endTime":800.325,"body":"on "},{"speaker":"Speaker 3","startTime":800.326,"endTime":800.485,"body":"the "},{"speaker":"Speaker 3","startTime":800.486,"endTime":800.684,"body":"buy "},{"speaker":"Speaker 3","startTime":800.705,"endTime":800.925,"body":"now "},{"speaker":"Speaker 3","startTime":801.065,"endTime":801.285,"body":"pay "},{"speaker":"Speaker 3","startTime":801.286,"endTime":801.605,"body":"later "},{"speaker":"Speaker 3","startTime":802.005,"endTime":802.165,"body":"business. "},{"speaker":"Speaker 3","startTime":802.705,"endTime":802.925,"body":"My "},{"speaker":"Speaker 3","startTime":802.926,"endTime":803.125,"body":"senior "},{"speaker":"Speaker 3","startTime":803.126,"endTime":803.405,"body":"program "},{"speaker":"Speaker 3","startTime":803.406,"endTime":803.725,"body":"manager, "},{"speaker":"Speaker 3","startTime":803.726,"endTime":804.045,"body":"Laura "},{"speaker":"Speaker 3","startTime":804.485,"endTime":804.485,"body":"UDIs "},{"speaker":"Speaker 3","startTime":804.505,"endTime":804.725,"body":"and "},{"speaker":"Speaker 3","startTime":805.304,"endTime":805.725,"body":"senior "},{"speaker":"Speaker 3","startTime":806.265,"endTime":806.684,"body":"fellow "},{"speaker":"Speaker 3","startTime":806.785,"endTime":807.205,"body":"Martin "},{"speaker":"Speaker 3","startTime":808.045,"endTime":808.045,"body":"Kleinbard "},{"speaker":"Speaker 3","startTime":808.335,"endTime":808.684,"body":"drove "},{"speaker":"Speaker 3","startTime":808.685,"endTime":808.965,"body":"that "},{"speaker":"Speaker 3","startTime":808.966,"endTime":809.245,"body":"work "},{"speaker":"Speaker 3","startTime":809.335,"endTime":809.684,"body":"along "},{"speaker":"Speaker 3","startTime":809.685,"endTime":809.885,"body":"with "},{"speaker":"Speaker 3","startTime":809.886,"endTime":809.965,"body":"the "},{"speaker":"Speaker 3","startTime":809.966,"endTime":810.085,"body":"help "},{"speaker":"Speaker 3","startTime":810.285,"endTime":810.285,"body":"of "},{"speaker":"Speaker 3","startTime":810.285,"endTime":810.285,"body":", "},{"speaker":"Speaker 3","startTime":810.286,"endTime":810.485,"body":"of "},{"speaker":"Speaker 3","startTime":810.486,"endTime":810.725,"body":"Jack "},{"speaker":"Speaker 3","startTime":810.925,"endTime":811.285,"body":"Sallows. "},{"speaker":"Speaker 3","startTime":811.985,"endTime":812.205,"body":"And "},{"speaker":"Speaker 3","startTime":812.206,"endTime":812.445,"body":"it's, "},{"speaker":"Speaker 3","startTime":812.446,"endTime":812.684,"body":"it's "},{"speaker":"Speaker 3","startTime":812.685,"endTime":812.845,"body":"really "},{"speaker":"Speaker 3","startTime":813.125,"endTime":813.245,"body":"probably "},{"speaker":"Speaker 3","startTime":813.246,"endTime":813.405,"body":"the "},{"speaker":"Speaker 3","startTime":813.406,"endTime":813.645,"body":"only "},{"speaker":"Speaker 3","startTime":813.875,"endTime":814.165,"body":"look "},{"speaker":"Speaker 3","startTime":814.225,"endTime":814.445,"body":"you "},{"speaker":"Speaker 3","startTime":814.446,"endTime":814.605,"body":"can "},{"speaker":"Speaker 3","startTime":814.625,"endTime":814.845,"body":"get "},{"speaker":"Speaker 3","startTime":815.465,"endTime":815.684,"body":"at "},{"speaker":"Speaker 3","startTime":815.705,"endTime":815.925,"body":"the "},{"speaker":"Speaker 3","startTime":815.945,"endTime":816.165,"body":"Buy "},{"speaker":"Speaker 3","startTime":816.166,"endTime":816.365,"body":"now "},{"speaker":"Speaker 3","startTime":816.385,"endTime":816.605,"body":"pay "},{"speaker":"Speaker 3","startTime":816.606,"endTime":816.845,"body":"later "},{"speaker":"Speaker 3","startTime":817.325,"endTime":817.525,"body":"industry. "},{"speaker":"Speaker 3","startTime":817.905,"endTime":818.125,"body":"And "},{"speaker":"Speaker 3","startTime":818.125,"endTime":818.125,"body":", "},{"speaker":"Speaker 3","startTime":818.365,"endTime":818.365,"body":"um, "},{"speaker":"Speaker 3","startTime":819.265,"endTime":819.485,"body":"to "},{"speaker":"Speaker 3","startTime":819.486,"endTime":819.565,"body":"me, "},{"speaker":"Speaker 3","startTime":819.566,"endTime":819.684,"body":"I "},{"speaker":"Speaker 3","startTime":819.685,"endTime":819.765,"body":"think "},{"speaker":"Speaker 3","startTime":819.766,"endTime":819.925,"body":"it's "},{"speaker":"Speaker 3","startTime":819.926,"endTime":820.045,"body":"a "},{"speaker":"Speaker 3","startTime":820.046,"endTime":820.325,"body":"wonderful "},{"speaker":"Speaker 3","startTime":820.425,"endTime":820.645,"body":"use "},{"speaker":"Speaker 3","startTime":820.905,"endTime":821.125,"body":"of "},{"speaker":"Speaker 3","startTime":821.184,"endTime":821.405,"body":"the "},{"speaker":"Speaker 3","startTime":821.985,"endTime":822.605,"body":"10 "},{"speaker":"Speaker 3","startTime":822.605,"endTime":822.605,"body":"22 "},{"speaker":"Speaker 3","startTime":822.675,"endTime":823.285,"body":"authority "},{"speaker":"Speaker 3","startTime":823.554,"endTime":823.845,"body":"that "},{"speaker":"Speaker 3","startTime":824.125,"endTime":824.125,"body":"were "},{"speaker":"Speaker 3","startTime":824.285,"endTime":824.605,"body":"granted "},{"speaker":"Speaker 3","startTime":824.606,"endTime":824.925,"body":"through "},{"speaker":"Speaker 3","startTime":824.975,"endTime":825.645,"body":"Dodd-Frank, "},{"speaker":"Speaker 3","startTime":825.825,"endTime":826.045,"body":"the "},{"speaker":"Speaker 3","startTime":826.046,"endTime":826.325,"body":"ability "},{"speaker":"Speaker 3","startTime":826.425,"endTime":826.645,"body":"to "},{"speaker":"Speaker 3","startTime":826.646,"endTime":826.885,"body":"look "},{"speaker":"Speaker 3","startTime":826.886,"endTime":827.045,"body":"at "},{"speaker":"Speaker 3","startTime":827.085,"endTime":827.205,"body":"a "},{"speaker":"Speaker 3","startTime":827.206,"endTime":827.405,"body":"new "},{"speaker":"Speaker 3","startTime":827.965,"endTime":827.965,"body":"entrant "},{"speaker":"Speaker 3","startTime":827.966,"endTime":828.205,"body":"into "},{"speaker":"Speaker 3","startTime":828.245,"endTime":828.365,"body":"a "},{"speaker":"Speaker 3","startTime":828.366,"endTime":828.605,"body":"space "},{"speaker":"Speaker 3","startTime":828.635,"endTime":828.925,"body":"that, "},{"speaker":"Speaker 3","startTime":829.035,"endTime":829.325,"body":"that "},{"speaker":"Speaker 3","startTime":829.326,"endTime":829.525,"body":"may "},{"speaker":"Speaker 3","startTime":829.526,"endTime":829.684,"body":"have "},{"speaker":"Speaker 3","startTime":829.685,"endTime":829.925,"body":"benefit, "},{"speaker":"Speaker 3","startTime":830.245,"endTime":830.245,"body":"it "},{"speaker":"Speaker 3","startTime":830.246,"endTime":830.445,"body":"may "},{"speaker":"Speaker 3","startTime":830.446,"endTime":830.605,"body":"have "},{"speaker":"Speaker 3","startTime":830.606,"endTime":830.885,"body":"harm, "},{"speaker":"Speaker 3","startTime":831.184,"endTime":831.405,"body":"but "},{"speaker":"Speaker 3","startTime":831.725,"endTime":831.845,"body":"actually "},{"speaker":"Speaker 3","startTime":831.846,"endTime":832.005,"body":"to "},{"speaker":"Speaker 3","startTime":832.006,"endTime":832.285,"body":"gather "},{"speaker":"Speaker 3","startTime":832.315,"endTime":833.005,"body":"information "},{"speaker":"Speaker 3","startTime":833.025,"endTime":833.245,"body":"and "},{"speaker":"Speaker 3","startTime":833.246,"endTime":833.485,"body":"share "},{"speaker":"Speaker 3","startTime":833.486,"endTime":833.725,"body":"just "},{"speaker":"Speaker 3","startTime":833.726,"endTime":834.045,"body":"what's "},{"speaker":"Speaker 3","startTime":834.046,"endTime":834.165,"body":"going "},{"speaker":"Speaker 3","startTime":834.166,"endTime":834.365,"body":"on "},{"speaker":"Speaker 3","startTime":834.366,"endTime":834.525,"body":"there. "},{"speaker":"Speaker 1","startTime":834.875,"endTime":835.165,"body":"Yeah, "},{"speaker":"Speaker 1","startTime":835.325,"endTime":835.445,"body":"I "},{"speaker":"Speaker 1","startTime":835.446,"endTime":835.565,"body":"think "},{"speaker":"Speaker 1","startTime":835.566,"endTime":835.845,"body":"that's "},{"speaker":"Speaker 1","startTime":835.846,"endTime":836.045,"body":"great. "},{"speaker":"Speaker 1","startTime":836.065,"endTime":836.285,"body":"And "},{"speaker":"Speaker 1","startTime":836.286,"endTime":836.405,"body":"I "},{"speaker":"Speaker 1","startTime":836.406,"endTime":836.525,"body":"think "},{"speaker":"Speaker 1","startTime":836.526,"endTime":836.804,"body":"there's "},{"speaker":"Speaker 1","startTime":836.805,"endTime":836.925,"body":"a "},{"speaker":"Speaker 1","startTime":836.926,"endTime":837.045,"body":"lot "},{"speaker":"Speaker 1","startTime":837.145,"endTime":837.365,"body":"our "},{"speaker":"Speaker 1","startTime":837.366,"endTime":837.885,"body":"professionals "},{"speaker":"Speaker 1","startTime":838.065,"endTime":838.285,"body":"can "},{"speaker":"Speaker 1","startTime":838.286,"endTime":838.525,"body":"learn "},{"speaker":"Speaker 1","startTime":838.875,"endTime":839.165,"body":"from "},{"speaker":"Speaker 1","startTime":839.865,"endTime":840.085,"body":"all "},{"speaker":"Speaker 1","startTime":840.086,"endTime":840.245,"body":"of "},{"speaker":"Speaker 1","startTime":840.246,"endTime":840.445,"body":"this "},{"speaker":"Speaker 1","startTime":840.845,"endTime":840.925,"body":"research "},{"speaker":"Speaker 1","startTime":841.205,"endTime":841.205,"body":"and "},{"speaker":"Speaker 1","startTime":841.206,"endTime":841.445,"body":"this "},{"speaker":"Speaker 1","startTime":841.446,"endTime":841.965,"body":"findings "},{"speaker":"Speaker 1","startTime":841.985,"endTime":842.205,"body":"as "},{"speaker":"Speaker 1","startTime":842.206,"endTime":842.325,"body":"they "},{"speaker":"Speaker 1","startTime":842.326,"endTime":842.485,"body":"work "},{"speaker":"Speaker 1","startTime":842.925,"endTime":842.925,"body":"with "},{"speaker":"Speaker 1","startTime":842.926,"endTime":843.085,"body":"their "},{"speaker":"Speaker 1","startTime":843.275,"endTime":843.765,"body":"clients "},{"speaker":"Speaker 1","startTime":843.945,"endTime":844.165,"body":"as "},{"speaker":"Speaker 1","startTime":844.166,"endTime":844.245,"body":"well. "},{"speaker":"Speaker 1","startTime":844.565,"endTime":844.684,"body":"I "},{"speaker":"Speaker 1","startTime":844.685,"endTime":844.804,"body":"know "},{"speaker":"Speaker 1","startTime":844.825,"endTime":845.045,"body":"the "},{"speaker":"Speaker 1","startTime":845.605,"endTime":845.605,"body":"buy "},{"speaker":"Speaker 1","startTime":845.606,"endTime":845.804,"body":"now "},{"speaker":"Speaker 1","startTime":845.825,"endTime":846.045,"body":"pay "},{"speaker":"Speaker 1","startTime":846.285,"endTime":846.285,"body":"later "},{"speaker":"Speaker 1","startTime":846.725,"endTime":846.925,"body":"industry, "},{"speaker":"Speaker 1","startTime":847.265,"endTime":847.485,"body":"it "},{"speaker":"Speaker 1","startTime":847.486,"endTime":847.725,"body":"feels "},{"speaker":"Speaker 1","startTime":847.726,"endTime":847.965,"body":"like "},{"speaker":"Speaker 1","startTime":847.966,"endTime":848.125,"body":"it "},{"speaker":"Speaker 1","startTime":848.126,"endTime":848.365,"body":"came "},{"speaker":"Speaker 1","startTime":848.385,"endTime":848.605,"body":"on "},{"speaker":"Speaker 1","startTime":848.606,"endTime":848.965,"body":"quickly "},{"speaker":"Speaker 1","startTime":849.405,"endTime":849.405,"body":"and "},{"speaker":"Speaker 1","startTime":849.406,"endTime":849.605,"body":"you "},{"speaker":"Speaker 1","startTime":849.606,"endTime":849.804,"body":"see "},{"speaker":"Speaker 1","startTime":849.805,"endTime":849.965,"body":"it "},{"speaker":"Speaker 1","startTime":849.966,"endTime":850.365,"body":"everywhere. "},{"speaker":"Speaker 3","startTime":850.595,"endTime":850.885,"body":"Yeah. "},{"speaker":"Speaker 3","startTime":850.905,"endTime":851.125,"body":"It "},{"speaker":"Speaker 3","startTime":851.126,"endTime":851.365,"body":"really "},{"speaker":"Speaker 3","startTime":851.366,"endTime":851.605,"body":"went "},{"speaker":"Speaker 3","startTime":851.606,"endTime":851.765,"body":"from "},{"speaker":"Speaker 3","startTime":851.795,"endTime":852.085,"body":"zero "},{"speaker":"Speaker 3","startTime":852.184,"endTime":852.405,"body":"to "},{"speaker":"Speaker 3","startTime":852.406,"endTime":852.725,"body":"60 "},{"speaker":"Speaker 3","startTime":852.825,"endTime":853.045,"body":"in "},{"speaker":"Speaker 3","startTime":853.046,"endTime":853.285,"body":"like "},{"speaker":"Speaker 3","startTime":853.345,"endTime":853.565,"body":"one "},{"speaker":"Speaker 3","startTime":853.566,"endTime":853.845,"body":"second. "},{"speaker":"Speaker 1","startTime":854.525,"endTime":854.525,"body":"Mm-Hmm "},{"speaker":"Speaker 1","startTime":854.525,"endTime":854.525,"body":". "},{"speaker":"Speaker 1","startTime":854.605,"endTime":854.605,"body":"\u003caffirmative\u003e "},{"speaker":"Speaker 1","startTime":854.605,"endTime":854.605,"body":". "},{"speaker":"Speaker 1","startTime":854.755,"endTime":855.045,"body":"Yeah. "},{"speaker":"Speaker 3","startTime":855.304,"endTime":855.525,"body":"So, "},{"speaker":"Speaker 3","startTime":855.545,"endTime":855.765,"body":"and "},{"speaker":"Speaker 3","startTime":855.766,"endTime":856.005,"body":"it's, "},{"speaker":"Speaker 3","startTime":856.006,"endTime":856.205,"body":"you "},{"speaker":"Speaker 3","startTime":856.206,"endTime":856.285,"body":"know, "},{"speaker":"Speaker 3","startTime":856.286,"endTime":856.445,"body":"credit "},{"speaker":"Speaker 3","startTime":856.446,"endTime":856.725,"body":"cards "},{"speaker":"Speaker 3","startTime":856.726,"endTime":856.965,"body":"have "},{"speaker":"Speaker 3","startTime":856.966,"endTime":857.245,"body":"also "},{"speaker":"Speaker 3","startTime":857.246,"endTime":857.525,"body":"offered "},{"speaker":"Speaker 3","startTime":857.526,"endTime":857.765,"body":"sort "},{"speaker":"Speaker 3","startTime":857.845,"endTime":857.845,"body":"of "},{"speaker":"Speaker 3","startTime":857.846,"endTime":857.885,"body":"their "},{"speaker":"Speaker 3","startTime":857.886,"endTime":858.205,"body":"version "},{"speaker":"Speaker 3","startTime":858.225,"endTime":858.445,"body":"of "},{"speaker":"Speaker 3","startTime":858.446,"endTime":858.565,"body":"it. "},{"speaker":"Speaker 3","startTime":858.585,"endTime":858.804,"body":"As "},{"speaker":"Speaker 3","startTime":858.805,"endTime":859.005,"body":"you "},{"speaker":"Speaker 3","startTime":859.006,"endTime":859.205,"body":"may "},{"speaker":"Speaker 3","startTime":859.206,"endTime":859.285,"body":"know, "},{"speaker":"Speaker 3","startTime":859.375,"endTime":859.725,"body":"apple "},{"speaker":"Speaker 3","startTime":859.726,"endTime":860.125,"body":"rolled "},{"speaker":"Speaker 3","startTime":860.145,"endTime":860.365,"body":"out "},{"speaker":"Speaker 3","startTime":860.415,"endTime":860.765,"body":"Apple "},{"speaker":"Speaker 3","startTime":861.125,"endTime":861.125,"body":"Pay "},{"speaker":"Speaker 3","startTime":861.405,"endTime":861.405,"body":"in "},{"speaker":"Speaker 3","startTime":861.406,"endTime":861.565,"body":"for, "},{"speaker":"Speaker 3","startTime":861.905,"endTime":862.125,"body":"so "},{"speaker":"Speaker 3","startTime":862.126,"endTime":862.365,"body":"it's, "},{"speaker":"Speaker 3","startTime":862.366,"endTime":862.605,"body":"it's, "},{"speaker":"Speaker 3","startTime":862.606,"endTime":862.925,"body":"they've "},{"speaker":"Speaker 3","startTime":863.085,"endTime":863.165,"body":"actually "},{"speaker":"Speaker 3","startTime":863.166,"endTime":863.525,"body":"changed "},{"speaker":"Speaker 3","startTime":863.526,"endTime":863.725,"body":"the "},{"speaker":"Speaker 3","startTime":863.885,"endTime":864.045,"body":"behavior "},{"speaker":"Speaker 3","startTime":864.145,"endTime":864.365,"body":"of "},{"speaker":"Speaker 3","startTime":864.366,"endTime":864.605,"body":"some "},{"speaker":"Speaker 3","startTime":864.606,"endTime":864.725,"body":"of "},{"speaker":"Speaker 3","startTime":864.726,"endTime":864.845,"body":"the "},{"speaker":"Speaker 3","startTime":864.846,"endTime":865.445,"body":"incumbents. "},{"speaker":"Speaker 1","startTime":866.005,"endTime":866.005,"body":"John "},{"speaker":"Speaker 1","startTime":866.005,"endTime":866.005,"body":", "},{"speaker":"Speaker 1","startTime":866.225,"endTime":866.445,"body":"I'm "},{"speaker":"Speaker 1","startTime":866.446,"endTime":866.685,"body":"curious. "},{"speaker":"Speaker 1","startTime":867.765,"endTime":867.765,"body":"CFPB "},{"speaker":"Speaker 1","startTime":867.766,"endTime":868.045,"body":"works "},{"speaker":"Speaker 1","startTime":868.405,"endTime":868.845,"body":"collaboratively "},{"speaker":"Speaker 1","startTime":868.846,"endTime":869.125,"body":"with "},{"speaker":"Speaker 1","startTime":869.126,"endTime":869.285,"body":"the "},{"speaker":"Speaker 1","startTime":869.286,"endTime":869.485,"body":"Federal "},{"speaker":"Speaker 1","startTime":869.655,"endTime":870.005,"body":"Trade "},{"speaker":"Speaker 1","startTime":870.006,"endTime":870.485,"body":"Commission "},{"speaker":"Speaker 1","startTime":870.585,"endTime":870.805,"body":"to "},{"speaker":"Speaker 1","startTime":870.806,"endTime":871.325,"body":"coordinate "},{"speaker":"Speaker 1","startTime":871.605,"endTime":871.765,"body":"research "},{"speaker":"Speaker 1","startTime":871.766,"endTime":872.165,"body":"efforts "},{"speaker":"Speaker 1","startTime":872.305,"endTime":872.525,"body":"and "},{"speaker":"Speaker 1","startTime":872.526,"endTime":873.005,"body":"protect "},{"speaker":"Speaker 1","startTime":873.325,"endTime":873.645,"body":"consumers. "},{"speaker":"Speaker 1","startTime":873.825,"endTime":874.045,"body":"Can "},{"speaker":"Speaker 1","startTime":874.046,"endTime":874.165,"body":"you "},{"speaker":"Speaker 1","startTime":874.166,"endTime":874.285,"body":"tell "},{"speaker":"Speaker 1","startTime":874.286,"endTime":874.405,"body":"us "},{"speaker":"Speaker 1","startTime":874.406,"endTime":874.525,"body":"a "},{"speaker":"Speaker 1","startTime":874.526,"endTime":874.605,"body":"little "},{"speaker":"Speaker 1","startTime":874.606,"endTime":874.765,"body":"bit "},{"speaker":"Speaker 1","startTime":874.766,"endTime":874.885,"body":"about "},{"speaker":"Speaker 1","startTime":874.886,"endTime":875.125,"body":"that "},{"speaker":"Speaker 1","startTime":875.126,"endTime":875.685,"body":"relationship? "},{"speaker":"Speaker 3","startTime":876.165,"endTime":876.285,"body":"I "},{"speaker":"Speaker 3","startTime":876.286,"endTime":876.405,"body":"was "},{"speaker":"Speaker 3","startTime":876.406,"endTime":876.605,"body":"fond "},{"speaker":"Speaker 3","startTime":876.606,"endTime":876.765,"body":"of "},{"speaker":"Speaker 3","startTime":876.766,"endTime":877.005,"body":"saying "},{"speaker":"Speaker 3","startTime":877.006,"endTime":877.245,"body":"when "},{"speaker":"Speaker 3","startTime":877.246,"endTime":877.365,"body":"I, "},{"speaker":"Speaker 3","startTime":877.565,"endTime":877.685,"body":"I "},{"speaker":"Speaker 3","startTime":877.686,"endTime":877.885,"body":"spoke "},{"speaker":"Speaker 3","startTime":878.245,"endTime":878.365,"body":"publicly "},{"speaker":"Speaker 3","startTime":878.385,"endTime":878.605,"body":"in "},{"speaker":"Speaker 3","startTime":878.606,"endTime":878.765,"body":"my "},{"speaker":"Speaker 3","startTime":879.085,"endTime":879.285,"body":"earliest "},{"speaker":"Speaker 3","startTime":879.286,"endTime":879.645,"body":"bureau "},{"speaker":"Speaker 3","startTime":879.835,"endTime":880.125,"body":"days, "},{"speaker":"Speaker 3","startTime":881.125,"endTime":881.125,"body":"CFPB "},{"speaker":"Speaker 3","startTime":881.126,"endTime":881.325,"body":"days, "},{"speaker":"Speaker 3","startTime":881.595,"endTime":881.885,"body":"that "},{"speaker":"Speaker 3","startTime":882.055,"endTime":882.405,"body":"there "},{"speaker":"Speaker 3","startTime":882.406,"endTime":882.525,"body":"was "},{"speaker":"Speaker 3","startTime":882.526,"endTime":882.645,"body":"a "},{"speaker":"Speaker 3","startTime":882.646,"endTime":882.725,"body":"lot "},{"speaker":"Speaker 3","startTime":882.726,"endTime":882.845,"body":"of "},{"speaker":"Speaker 3","startTime":882.965,"endTime":884.045,"body":"F-T-C-D-N-A "},{"speaker":"Speaker 3","startTime":884.046,"endTime":884.245,"body":"at "},{"speaker":"Speaker 3","startTime":884.246,"endTime":884.365,"body":"the "},{"speaker":"Speaker 3","startTime":884.685,"endTime":884.685,"body":"CF "},{"speaker":"Speaker 3","startTime":885.045,"endTime":885.045,"body":"pb "},{"speaker":"Speaker 3","startTime":885.525,"endTime":885.525,"body":"MM-Hmm "},{"speaker":"Speaker 3","startTime":885.765,"endTime":885.765,"body":"mm-Hmm "},{"speaker":"Speaker 3","startTime":885.765,"endTime":885.765,"body":". "},{"speaker":"Speaker 3","startTime":885.885,"endTime":885.885,"body":"\u003caffirmative\u003e "},{"speaker":"Speaker 3","startTime":885.885,"endTime":885.885,"body":", "},{"speaker":"Speaker 3","startTime":885.965,"endTime":885.965,"body":"and "},{"speaker":"Speaker 3","startTime":885.966,"endTime":886.005,"body":"now, "},{"speaker":"Speaker 3","startTime":886.685,"endTime":886.685,"body":"you "},{"speaker":"Speaker 3","startTime":886.686,"endTime":886.765,"body":"know, "},{"speaker":"Speaker 3","startTime":886.766,"endTime":887.005,"body":"roll "},{"speaker":"Speaker 3","startTime":887.006,"endTime":887.165,"body":"the "},{"speaker":"Speaker 3","startTime":887.205,"endTime":887.325,"body":"clock "},{"speaker":"Speaker 3","startTime":887.326,"endTime":887.525,"body":"forward "},{"speaker":"Speaker 3","startTime":887.526,"endTime":887.845,"body":"11 "},{"speaker":"Speaker 3","startTime":887.846,"endTime":888.125,"body":"years "},{"speaker":"Speaker 3","startTime":888.445,"endTime":888.445,"body":"and "},{"speaker":"Speaker 3","startTime":888.445,"endTime":888.445,"body":", "},{"speaker":"Speaker 3","startTime":888.725,"endTime":888.725,"body":"and "},{"speaker":"Speaker 3","startTime":888.726,"endTime":888.885,"body":"or "},{"speaker":"Speaker 3","startTime":888.886,"endTime":889.085,"body":"12 "},{"speaker":"Speaker 3","startTime":889.086,"endTime":889.285,"body":"years. "},{"speaker":"Speaker 3","startTime":889.385,"endTime":889.605,"body":"And "},{"speaker":"Speaker 3","startTime":889.606,"endTime":889.885,"body":"it's "},{"speaker":"Speaker 3","startTime":889.886,"endTime":890.125,"body":"sort "},{"speaker":"Speaker 3","startTime":890.126,"endTime":890.245,"body":"of "},{"speaker":"Speaker 3","startTime":890.246,"endTime":890.405,"body":"both. "},{"speaker":"Speaker 3","startTime":890.515,"endTime":891.005,"body":"They've "},{"speaker":"Speaker 3","startTime":891.085,"endTime":891.205,"body":"got, "},{"speaker":"Speaker 3","startTime":891.206,"endTime":891.525,"body":"they've "},{"speaker":"Speaker 3","startTime":891.526,"endTime":891.645,"body":"got "},{"speaker":"Speaker 3","startTime":891.646,"endTime":891.885,"body":"some "},{"speaker":"Speaker 3","startTime":891.886,"endTime":892.045,"body":"of, "},{"speaker":"Speaker 3","startTime":892.325,"endTime":892.325,"body":"of "},{"speaker":"Speaker 3","startTime":892.325,"endTime":892.325,"body":", "},{"speaker":"Speaker 3","startTime":892.465,"endTime":892.685,"body":"of "},{"speaker":"Speaker 3","startTime":892.705,"endTime":892.925,"body":"the "},{"speaker":"Speaker 3","startTime":893.565,"endTime":894.485,"body":"C-A-P-B-D-N-A, "},{"speaker":"Speaker 3","startTime":894.486,"endTime":894.805,"body":"we've "},{"speaker":"Speaker 3","startTime":894.806,"endTime":894.885,"body":"got "},{"speaker":"Speaker 3","startTime":894.886,"endTime":895.085,"body":"some "},{"speaker":"Speaker 3","startTime":895.086,"endTime":895.165,"body":"of "},{"speaker":"Speaker 3","startTime":895.166,"endTime":895.485,"body":"theirs. "},{"speaker":"Speaker 3","startTime":895.505,"endTime":895.725,"body":"As "},{"speaker":"Speaker 3","startTime":895.726,"endTime":895.885,"body":"you "},{"speaker":"Speaker 3","startTime":895.886,"endTime":896.005,"body":"know, "},{"speaker":"Speaker 3","startTime":896.025,"endTime":896.245,"body":"our "},{"speaker":"Speaker 3","startTime":896.246,"endTime":896.485,"body":"current "},{"speaker":"Speaker 3","startTime":896.805,"endTime":896.925,"body":"director "},{"speaker":"Speaker 3","startTime":896.926,"endTime":897.125,"body":"was "},{"speaker":"Speaker 3","startTime":897.165,"endTime":897.285,"body":"a "},{"speaker":"Speaker 3","startTime":897.286,"endTime":897.685,"body":"commissioner, "},{"speaker":"Speaker 3","startTime":898.785,"endTime":899.005,"body":"the "},{"speaker":"Speaker 3","startTime":899.006,"endTime":899.205,"body":"Federal "},{"speaker":"Speaker 3","startTime":899.215,"endTime":899.565,"body":"Trade "},{"speaker":"Speaker 3","startTime":899.566,"endTime":900.005,"body":"Commission. "},{"speaker":"Speaker 3","startTime":900.345,"endTime":900.565,"body":"But "},{"speaker":"Speaker 3","startTime":900.585,"endTime":900.805,"body":"we "},{"speaker":"Speaker 3","startTime":901.045,"endTime":901.045,"body":"work "},{"speaker":"Speaker 3","startTime":901.046,"endTime":901.285,"body":"very, "},{"speaker":"Speaker 3","startTime":901.286,"endTime":901.525,"body":"very "},{"speaker":"Speaker 3","startTime":901.526,"endTime":901.765,"body":"closely "},{"speaker":"Speaker 3","startTime":901.795,"endTime":902.085,"body":"with "},{"speaker":"Speaker 3","startTime":902.205,"endTime":902.205,"body":"them "},{"speaker":"Speaker 3","startTime":902.205,"endTime":902.205,"body":", "},{"speaker":"Speaker 3","startTime":902.206,"endTime":902.645,"body":"especially "},{"speaker":"Speaker 3","startTime":902.646,"endTime":902.845,"body":"on "},{"speaker":"Speaker 3","startTime":902.846,"endTime":903.085,"body":"matters "},{"speaker":"Speaker 3","startTime":903.105,"endTime":903.325,"body":"of "},{"speaker":"Speaker 3","startTime":903.326,"endTime":903.525,"body":"debt, "},{"speaker":"Speaker 3","startTime":903.526,"endTime":904.085,"body":"settlement, "},{"speaker":"Speaker 3","startTime":904.635,"endTime":904.925,"body":"debt "},{"speaker":"Speaker 3","startTime":904.926,"endTime":905.525,"body":"collections "},{"speaker":"Speaker 3","startTime":905.525,"endTime":905.525,"body":", "},{"speaker":"Speaker 3","startTime":906.765,"endTime":906.765,"body":"uh, "},{"speaker":"Speaker 3","startTime":906.766,"endTime":907.125,"body":"credit "},{"speaker":"Speaker 3","startTime":907.305,"endTime":907.725,"body":"repair "},{"speaker":"Speaker 3","startTime":907.985,"endTime":908.205,"body":"in "},{"speaker":"Speaker 3","startTime":908.206,"endTime":908.325,"body":"those "},{"speaker":"Speaker 3","startTime":908.326,"endTime":908.565,"body":"areas. "},{"speaker":"Speaker 3","startTime":908.585,"endTime":908.805,"body":"And "},{"speaker":"Speaker 3","startTime":908.806,"endTime":908.845,"body":"I, "},{"speaker":"Speaker 3","startTime":908.925,"endTime":909.045,"body":"I "},{"speaker":"Speaker 3","startTime":909.046,"endTime":909.125,"body":"think "},{"speaker":"Speaker 3","startTime":909.405,"endTime":909.565,"body":"we "},{"speaker":"Speaker 3","startTime":909.566,"endTime":909.845,"body":"also "},{"speaker":"Speaker 3","startTime":909.846,"endTime":910.325,"body":"produce "},{"speaker":"Speaker 3","startTime":910.565,"endTime":910.685,"body":"a "},{"speaker":"Speaker 3","startTime":910.686,"endTime":911.045,"body":"report "},{"speaker":"Speaker 3","startTime":911.115,"endTime":911.405,"body":"each "},{"speaker":"Speaker 3","startTime":911.406,"endTime":911.645,"body":"year "},{"speaker":"Speaker 3","startTime":911.785,"endTime":912.005,"body":"on "},{"speaker":"Speaker 3","startTime":912.006,"endTime":912.165,"body":"the "},{"speaker":"Speaker 3","startTime":912.166,"endTime":912.765,"body":"administration "},{"speaker":"Speaker 3","startTime":912.785,"endTime":913.005,"body":"of "},{"speaker":"Speaker 3","startTime":913.006,"endTime":913.205,"body":"the "},{"speaker":"Speaker 3","startTime":913.206,"endTime":913.365,"body":"Fair "},{"speaker":"Speaker 3","startTime":913.366,"endTime":913.565,"body":"Debt "},{"speaker":"Speaker 3","startTime":913.566,"endTime":913.965,"body":"Collection "},{"speaker":"Speaker 3","startTime":914.205,"endTime":914.525,"body":"Practices "},{"speaker":"Speaker 3","startTime":914.545,"endTime":914.765,"body":"Act, "},{"speaker":"Speaker 3","startTime":915.015,"endTime":915.365,"body":"which "},{"speaker":"Speaker 3","startTime":915.785,"endTime":916.005,"body":"we, "},{"speaker":"Speaker 3","startTime":916.185,"endTime":916.405,"body":"we "},{"speaker":"Speaker 3","startTime":916.406,"endTime":916.885,"body":"administer "},{"speaker":"Speaker 3","startTime":916.886,"endTime":917.165,"body":"along "},{"speaker":"Speaker 3","startTime":917.166,"endTime":917.325,"body":"with "},{"speaker":"Speaker 3","startTime":917.326,"endTime":917.445,"body":"the "},{"speaker":"Speaker 3","startTime":917.446,"endTime":917.605,"body":"Federal "},{"speaker":"Speaker 3","startTime":917.655,"endTime":918.005,"body":"Trade "},{"speaker":"Speaker 3","startTime":918.006,"endTime":918.405,"body":"Commission. "},{"speaker":"Speaker 3","startTime":918.905,"endTime":919.125,"body":"So "},{"speaker":"Speaker 3","startTime":919.805,"endTime":919.925,"body":"I "},{"speaker":"Speaker 3","startTime":919.926,"endTime":920.125,"body":"would "},{"speaker":"Speaker 3","startTime":920.145,"endTime":920.365,"body":"say "},{"speaker":"Speaker 3","startTime":920.366,"endTime":920.685,"body":"there's "},{"speaker":"Speaker 3","startTime":920.686,"endTime":920.845,"body":"very "},{"speaker":"Speaker 3","startTime":920.846,"endTime":921.085,"body":"little "},{"speaker":"Speaker 3","startTime":921.365,"endTime":921.605,"body":"daylight "},{"speaker":"Speaker 3","startTime":921.606,"endTime":922.005,"body":"between "},{"speaker":"Speaker 3","startTime":922.006,"endTime":922.285,"body":"sort "},{"speaker":"Speaker 3","startTime":922.365,"endTime":922.365,"body":"of "},{"speaker":"Speaker 3","startTime":922.366,"endTime":922.525,"body":"these "},{"speaker":"Speaker 3","startTime":922.545,"endTime":922.765,"body":"two "},{"speaker":"Speaker 3","startTime":922.766,"endTime":923.045,"body":"cops "},{"speaker":"Speaker 3","startTime":923.046,"endTime":923.245,"body":"on "},{"speaker":"Speaker 3","startTime":923.246,"endTime":923.325,"body":"the "},{"speaker":"Speaker 3","startTime":923.326,"endTime":923.445,"body":"beat "},{"speaker":"Speaker 3","startTime":923.446,"endTime":923.645,"body":"when "},{"speaker":"Speaker 3","startTime":923.646,"endTime":923.765,"body":"it "},{"speaker":"Speaker 3","startTime":923.766,"endTime":923.925,"body":"comes "},{"speaker":"Speaker 3","startTime":923.926,"endTime":924.125,"body":"to "},{"speaker":"Speaker 3","startTime":924.645,"endTime":924.965,"body":"consumers "},{"speaker":"Speaker 3","startTime":925.685,"endTime":925.685,"body":"and "},{"speaker":"Speaker 3","startTime":925.686,"endTime":925.805,"body":"a "},{"speaker":"Speaker 3","startTime":925.806,"endTime":925.925,"body":"number "},{"speaker":"Speaker 3","startTime":925.926,"endTime":926.085,"body":"of "},{"speaker":"Speaker 3","startTime":926.135,"endTime":926.485,"body":"areas "},{"speaker":"Speaker 3","startTime":926.555,"endTime":926.845,"body":"like "},{"speaker":"Speaker 3","startTime":926.846,"endTime":927.245,"body":"credit "},{"speaker":"Speaker 3","startTime":927.246,"endTime":927.845,"body":"reporting, "},{"speaker":"Speaker 3","startTime":927.995,"endTime":928.285,"body":"like "},{"speaker":"Speaker 3","startTime":928.286,"endTime":928.565,"body":"debt "},{"speaker":"Speaker 3","startTime":928.566,"endTime":929.125,"body":"collections, "},{"speaker":"Speaker 3","startTime":929.435,"endTime":929.725,"body":"like "},{"speaker":"Speaker 3","startTime":929.726,"endTime":930.005,"body":"credit "},{"speaker":"Speaker 3","startTime":930.065,"endTime":930.485,"body":"repair. "},{"speaker":"Speaker 2","startTime":930.835,"endTime":931.325,"body":"Totally. "},{"speaker":"Speaker 2","startTime":931.705,"endTime":931.925,"body":"In "},{"speaker":"Speaker 2","startTime":931.926,"endTime":932.125,"body":"fact, "},{"speaker":"Speaker 2","startTime":932.126,"endTime":932.405,"body":"it's "},{"speaker":"Speaker 2","startTime":932.406,"endTime":932.685,"body":"small. "},{"speaker":"Speaker 2","startTime":932.995,"endTime":933.285,"body":"I've "},{"speaker":"Speaker 2","startTime":933.286,"endTime":933.445,"body":"lived "},{"speaker":"Speaker 2","startTime":933.446,"endTime":933.645,"body":"in "},{"speaker":"Speaker 2","startTime":933.646,"endTime":933.765,"body":"the "},{"speaker":"Speaker 2","startTime":934.125,"endTime":934.125,"body":"DC "},{"speaker":"Speaker 2","startTime":934.126,"endTime":934.405,"body":"world "},{"speaker":"Speaker 2","startTime":934.465,"endTime":934.685,"body":"as "},{"speaker":"Speaker 2","startTime":934.686,"endTime":934.845,"body":"well, "},{"speaker":"Speaker 2","startTime":934.846,"endTime":935.005,"body":"and "},{"speaker":"Speaker 2","startTime":935.006,"endTime":935.245,"body":"it's "},{"speaker":"Speaker 2","startTime":935.246,"endTime":935.485,"body":"amazing "},{"speaker":"Speaker 2","startTime":935.505,"endTime":935.725,"body":"to "},{"speaker":"Speaker 2","startTime":935.726,"endTime":935.885,"body":"see "},{"speaker":"Speaker 2","startTime":935.905,"endTime":936.125,"body":"how "},{"speaker":"Speaker 2","startTime":936.126,"endTime":936.405,"body":"small "},{"speaker":"Speaker 2","startTime":936.406,"endTime":936.645,"body":"that "},{"speaker":"Speaker 2","startTime":936.646,"endTime":936.885,"body":"world "},{"speaker":"Speaker 2","startTime":936.985,"endTime":937.205,"body":"is "},{"speaker":"Speaker 2","startTime":937.335,"endTime":937.685,"body":"after "},{"speaker":"Speaker 2","startTime":937.805,"endTime":937.925,"body":"a "},{"speaker":"Speaker 2","startTime":938.125,"endTime":938.125,"body":"while "},{"speaker":"Speaker 2","startTime":938.125,"endTime":938.125,"body":". "},{"speaker":"Speaker 3","startTime":938.565,"endTime":938.565,"body":"And "},{"speaker":"Speaker 3","startTime":938.566,"endTime":938.885,"body":"sometimes "},{"speaker":"Speaker 3","startTime":939.005,"endTime":939.125,"body":"I "},{"speaker":"Speaker 3","startTime":939.126,"endTime":939.365,"body":"still, "},{"speaker":"Speaker 3","startTime":939.366,"endTime":939.605,"body":"like, "},{"speaker":"Speaker 3","startTime":939.955,"endTime":940.245,"body":"it's "},{"speaker":"Speaker 3","startTime":940.246,"endTime":940.365,"body":"been "},{"speaker":"Speaker 3","startTime":940.405,"endTime":940.525,"body":"a "},{"speaker":"Speaker 3","startTime":940.526,"endTime":940.725,"body":"very, "},{"speaker":"Speaker 3","startTime":940.945,"endTime":941.165,"body":"you "},{"speaker":"Speaker 3","startTime":941.166,"endTime":941.245,"body":"know, "},{"speaker":"Speaker 3","startTime":941.425,"endTime":941.845,"body":"almost "},{"speaker":"Speaker 3","startTime":941.965,"endTime":942.085,"body":"a "},{"speaker":"Speaker 3","startTime":942.285,"endTime":942.285,"body":"sign "},{"speaker":"Speaker 3","startTime":942.525,"endTime":942.765,"body":"feldy "},{"speaker":"Speaker 3","startTime":942.845,"endTime":942.845,"body":"in "},{"speaker":"Speaker 3","startTime":943.125,"endTime":943.125,"body":"semi "},{"speaker":"Speaker 3","startTime":943.245,"endTime":943.805,"body":"symmetry "},{"speaker":"Speaker 3","startTime":943.806,"endTime":944.205,"body":"sometimes "},{"speaker":"Speaker 3","startTime":944.385,"endTime":944.605,"body":"for "},{"speaker":"Speaker 3","startTime":944.606,"endTime":944.725,"body":"me. "},{"speaker":"Speaker 3","startTime":945.185,"endTime":945.405,"body":"But "},{"speaker":"Speaker 3","startTime":945.825,"endTime":946.045,"body":"the "},{"speaker":"Speaker 3","startTime":946.046,"endTime":946.365,"body":"second "},{"speaker":"Speaker 3","startTime":946.665,"endTime":946.885,"body":"doc, "},{"speaker":"Speaker 3","startTime":946.905,"endTime":947.125,"body":"in "},{"speaker":"Speaker 3","startTime":947.325,"endTime":947.885,"body":"1983, "},{"speaker":"Speaker 3","startTime":948.275,"endTime":948.565,"body":"when "},{"speaker":"Speaker 3","startTime":948.566,"endTime":948.685,"body":"I "},{"speaker":"Speaker 3","startTime":948.686,"endTime":948.925,"body":"started "},{"speaker":"Speaker 3","startTime":948.926,"endTime":949.125,"body":"as "},{"speaker":"Speaker 3","startTime":949.126,"endTime":949.245,"body":"a "},{"speaker":"Speaker 3","startTime":949.246,"endTime":949.405,"body":"debt "},{"speaker":"Speaker 3","startTime":949.406,"endTime":949.925,"body":"collector, "},{"speaker":"Speaker 3","startTime":950.225,"endTime":950.445,"body":"the "},{"speaker":"Speaker 3","startTime":950.446,"endTime":950.725,"body":"second "},{"speaker":"Speaker 3","startTime":951.125,"endTime":951.285,"body":"document "},{"speaker":"Speaker 3","startTime":951.405,"endTime":951.525,"body":"I "},{"speaker":"Speaker 3","startTime":951.526,"endTime":951.805,"body":"signed "},{"speaker":"Speaker 3","startTime":951.865,"endTime":952.085,"body":"was "},{"speaker":"Speaker 3","startTime":952.125,"endTime":952.245,"body":"a "},{"speaker":"Speaker 3","startTime":952.246,"endTime":952.605,"body":"consent "},{"speaker":"Speaker 3","startTime":952.606,"endTime":953.005,"body":"decree "},{"speaker":"Speaker 3","startTime":953.006,"endTime":953.285,"body":"from "},{"speaker":"Speaker 3","startTime":953.286,"endTime":953.445,"body":"the "},{"speaker":"Speaker 3","startTime":953.446,"endTime":953.645,"body":"Federal "},{"speaker":"Speaker 3","startTime":953.695,"endTime":954.045,"body":"Trade "},{"speaker":"Speaker 3","startTime":954.046,"endTime":954.405,"body":"Commission. "},{"speaker":"Speaker 2","startTime":954.585,"endTime":954.805,"body":"Oh, "},{"speaker":"Speaker 2","startTime":954.806,"endTime":955.005,"body":"wow. "},{"speaker":"Speaker 2","startTime":955.355,"endTime":955.645,"body":"It's "},{"speaker":"Speaker 2","startTime":955.646,"endTime":955.845,"body":"amazing "},{"speaker":"Speaker 2","startTime":955.865,"endTime":956.085,"body":"how "},{"speaker":"Speaker 2","startTime":956.086,"endTime":956.205,"body":"it "},{"speaker":"Speaker 2","startTime":956.206,"endTime":956.365,"body":"all "},{"speaker":"Speaker 2","startTime":956.366,"endTime":956.565,"body":"comes "},{"speaker":"Speaker 2","startTime":956.566,"endTime":956.805,"body":"full "},{"speaker":"Speaker 2","startTime":956.806,"endTime":957.045,"body":"circle "},{"speaker":"Speaker 2","startTime":957.645,"endTime":957.685,"body":"\u003claugh\u003e. "},{"speaker":"Speaker 3","startTime":957.985,"endTime":958.205,"body":"Oh, "},{"speaker":"Speaker 3","startTime":958.206,"endTime":958.405,"body":"yeah, "},{"speaker":"Speaker 3","startTime":958.645,"endTime":958.765,"body":"actually "},{"speaker":"Speaker 3","startTime":959.085,"endTime":959.205,"body":"I "},{"speaker":"Speaker 3","startTime":959.206,"endTime":959.325,"body":"was "},{"speaker":"Speaker 3","startTime":959.525,"endTime":959.525,"body":"two "},{"speaker":"Speaker 3","startTime":959.525,"endTime":959.525,"body":", "},{"speaker":"Speaker 3","startTime":959.605,"endTime":959.725,"body":"I "},{"speaker":"Speaker 3","startTime":959.726,"endTime":959.845,"body":"was "},{"speaker":"Speaker 3","startTime":959.846,"endTime":960.005,"body":"in "},{"speaker":"Speaker 3","startTime":960.006,"endTime":960.365,"body":"Washington "},{"speaker":"Speaker 3","startTime":960.845,"endTime":960.845,"body":"DC "},{"speaker":"Speaker 3","startTime":960.945,"endTime":961.165,"body":"and "},{"speaker":"Speaker 3","startTime":961.166,"endTime":961.285,"body":"I "},{"speaker":"Speaker 3","startTime":961.286,"endTime":961.405,"body":"was, "},{"speaker":"Speaker 3","startTime":961.705,"endTime":961.925,"body":"my "},{"speaker":"Speaker 3","startTime":961.926,"endTime":962.045,"body":"wife "},{"speaker":"Speaker 3","startTime":962.046,"endTime":962.205,"body":"and "},{"speaker":"Speaker 3","startTime":962.206,"endTime":962.325,"body":"I "},{"speaker":"Speaker 3","startTime":962.326,"endTime":962.485,"body":"were, "},{"speaker":"Speaker 3","startTime":962.486,"endTime":962.685,"body":"it "},{"speaker":"Speaker 3","startTime":962.686,"endTime":962.765,"body":"was "},{"speaker":"Speaker 3","startTime":962.766,"endTime":962.965,"body":"her "},{"speaker":"Speaker 3","startTime":962.966,"endTime":963.125,"body":"first "},{"speaker":"Speaker 3","startTime":963.126,"endTime":963.325,"body":"trip "},{"speaker":"Speaker 3","startTime":963.326,"endTime":963.525,"body":"to "},{"speaker":"Speaker 3","startTime":963.805,"endTime":963.805,"body":"dc "},{"speaker":"Speaker 3","startTime":963.806,"endTime":963.965,"body":"this "},{"speaker":"Speaker 3","startTime":963.966,"endTime":964.085,"body":"is "},{"speaker":"Speaker 3","startTime":964.086,"endTime":964.285,"body":"in "},{"speaker":"Speaker 3","startTime":964.286,"endTime":965.005,"body":"2010. "},{"speaker":"Speaker 3","startTime":965.665,"endTime":965.885,"body":"And "},{"speaker":"Speaker 3","startTime":966.105,"endTime":966.325,"body":"we "},{"speaker":"Speaker 3","startTime":966.326,"endTime":966.805,"body":"literally "},{"speaker":"Speaker 3","startTime":967.085,"endTime":967.245,"body":"stumbled "},{"speaker":"Speaker 3","startTime":967.725,"endTime":967.725,"body":"onto "},{"speaker":"Speaker 3","startTime":968.285,"endTime":968.405,"body":"a "},{"speaker":"Speaker 3","startTime":968.405,"endTime":968.405,"body":", "},{"speaker":"Speaker 3","startTime":968.725,"endTime":968.725,"body":"uh, "},{"speaker":"Speaker 3","startTime":968.825,"endTime":969.045,"body":"and "},{"speaker":"Speaker 3","startTime":969.046,"endTime":969.245,"body":"of "},{"speaker":"Speaker 3","startTime":969.246,"endTime":969.325,"body":"course "},{"speaker":"Speaker 3","startTime":969.326,"endTime":969.605,"body":"during "},{"speaker":"Speaker 3","startTime":969.606,"endTime":969.765,"body":"that, "},{"speaker":"Speaker 3","startTime":970.045,"endTime":970.045,"body":"as "},{"speaker":"Speaker 3","startTime":970.046,"endTime":970.245,"body":"part "},{"speaker":"Speaker 3","startTime":970.246,"endTime":970.325,"body":"of "},{"speaker":"Speaker 3","startTime":970.326,"endTime":970.445,"body":"my "},{"speaker":"Speaker 3","startTime":970.446,"endTime":970.605,"body":"job "},{"speaker":"Speaker 3","startTime":970.606,"endTime":970.805,"body":"at "},{"speaker":"Speaker 3","startTime":970.806,"endTime":970.965,"body":"Live "},{"speaker":"Speaker 3","startTime":971.165,"endTime":971.165,"body":"Ox "},{"speaker":"Speaker 3","startTime":971.165,"endTime":971.165,"body":", "},{"speaker":"Speaker 3","startTime":971.166,"endTime":971.445,"body":"I've "},{"speaker":"Speaker 3","startTime":971.446,"endTime":971.525,"body":"been "},{"speaker":"Speaker 3","startTime":971.526,"endTime":971.725,"body":"talking "},{"speaker":"Speaker 3","startTime":971.805,"endTime":971.925,"body":"a "},{"speaker":"Speaker 3","startTime":971.926,"endTime":972.045,"body":"lot "},{"speaker":"Speaker 3","startTime":972.046,"endTime":972.245,"body":"about "},{"speaker":"Speaker 3","startTime":972.246,"endTime":972.405,"body":"the "},{"speaker":"Speaker 3","startTime":972.445,"endTime":972.965,"body":"CFPB "},{"speaker":"Speaker 3","startTime":972.966,"endTime":973.085,"body":"and "},{"speaker":"Speaker 3","startTime":973.086,"endTime":973.245,"body":"what "},{"speaker":"Speaker 3","startTime":973.325,"endTime":973.325,"body":"it "},{"speaker":"Speaker 3","startTime":973.326,"endTime":973.405,"body":"was, "},{"speaker":"Speaker 3","startTime":973.406,"endTime":973.645,"body":"what, "},{"speaker":"Speaker 3","startTime":973.675,"endTime":973.965,"body":"what "},{"speaker":"Speaker 3","startTime":973.966,"endTime":974.125,"body":"it "},{"speaker":"Speaker 3","startTime":974.126,"endTime":974.325,"body":"might "},{"speaker":"Speaker 3","startTime":974.326,"endTime":974.445,"body":"be "},{"speaker":"Speaker 3","startTime":974.446,"endTime":974.605,"body":"like. "},{"speaker":"Speaker 3","startTime":975.165,"endTime":975.165,"body":"Um, "},{"speaker":"Speaker 3","startTime":975.166,"endTime":975.365,"body":"and "},{"speaker":"Speaker 3","startTime":975.366,"endTime":975.485,"body":"I "},{"speaker":"Speaker 3","startTime":975.486,"endTime":975.765,"body":"literally "},{"speaker":"Speaker 3","startTime":976.005,"endTime":976.125,"body":"stumbled "},{"speaker":"Speaker 3","startTime":976.435,"endTime":976.725,"body":"into "},{"speaker":"Speaker 3","startTime":977.185,"endTime":977.405,"body":"the "},{"speaker":"Speaker 3","startTime":977.405,"endTime":977.405,"body":", "},{"speaker":"Speaker 3","startTime":977.725,"endTime":977.725,"body":"uh, "},{"speaker":"Speaker 3","startTime":978.085,"endTime":978.085,"body":"um, "},{"speaker":"Speaker 3","startTime":978.425,"endTime":978.645,"body":"the "},{"speaker":"Speaker 3","startTime":978.646,"endTime":978.845,"body":"press "},{"speaker":"Speaker 3","startTime":978.846,"endTime":979.365,"body":"gathering "},{"speaker":"Speaker 3","startTime":979.515,"endTime":979.805,"body":"with "},{"speaker":"Speaker 3","startTime":979.806,"endTime":980.165,"body":"Senator "},{"speaker":"Speaker 3","startTime":980.315,"endTime":980.605,"body":"Dodd "},{"speaker":"Speaker 3","startTime":980.625,"endTime":980.845,"body":"and "},{"speaker":"Speaker 3","startTime":981.205,"endTime":981.605,"body":"Congressman "},{"speaker":"Speaker 3","startTime":981.735,"endTime":982.085,"body":"Frank. "},{"speaker":"Speaker 3","startTime":982.585,"endTime":982.805,"body":"You "},{"speaker":"Speaker 3","startTime":982.806,"endTime":982.885,"body":"know, "},{"speaker":"Speaker 3","startTime":982.945,"endTime":983.165,"body":"it "},{"speaker":"Speaker 3","startTime":983.166,"endTime":983.285,"body":"was "},{"speaker":"Speaker 3","startTime":983.545,"endTime":983.765,"body":"the "},{"speaker":"Speaker 3","startTime":983.766,"endTime":983.885,"body":"day "},{"speaker":"Speaker 3","startTime":983.886,"endTime":984.045,"body":"that "},{"speaker":"Speaker 3","startTime":984.065,"endTime":984.285,"body":"the "},{"speaker":"Speaker 3","startTime":984.375,"endTime":985.045,"body":"Dodd-Frank "},{"speaker":"Speaker 3","startTime":985.045,"endTime":985.045,"body":", "},{"speaker":"Speaker 3","startTime":985.285,"endTime":985.285,"body":"uh, "},{"speaker":"Speaker 3","startTime":985.286,"endTime":985.525,"body":"wall "},{"speaker":"Speaker 3","startTime":985.526,"endTime":985.725,"body":"Street "},{"speaker":"Speaker 3","startTime":985.726,"endTime":986.125,"body":"Reform "},{"speaker":"Speaker 3","startTime":986.245,"endTime":986.245,"body":"and "},{"speaker":"Speaker 3","startTime":986.405,"endTime":986.525,"body":"Consumer "},{"speaker":"Speaker 3","startTime":986.526,"endTime":987.045,"body":"Financial "},{"speaker":"Speaker 3","startTime":987.046,"endTime":987.445,"body":"Protection "},{"speaker":"Speaker 3","startTime":987.446,"endTime":987.645,"body":"Act "},{"speaker":"Speaker 3","startTime":987.665,"endTime":987.885,"body":"was "},{"speaker":"Speaker 3","startTime":987.886,"endTime":988.445,"body":"ratified. "},{"speaker":"Speaker 3","startTime":989.145,"endTime":989.365,"body":"So, "},{"speaker":"Speaker 3","startTime":989.705,"endTime":989.925,"body":"you "},{"speaker":"Speaker 3","startTime":989.965,"endTime":989.965,"body":"know "},{"speaker":"Speaker 3","startTime":989.965,"endTime":989.965,"body":", "},{"speaker":"Speaker 3","startTime":989.966,"endTime":990.205,"body":"that "},{"speaker":"Speaker 3","startTime":990.485,"endTime":990.485,"body":"little "},{"speaker":"Speaker 3","startTime":990.485,"endTime":990.485,"body":", "},{"speaker":"Speaker 3","startTime":990.486,"endTime":990.725,"body":"little "},{"speaker":"Speaker 3","startTime":990.726,"endTime":990.925,"body":"did "},{"speaker":"Speaker 3","startTime":990.926,"endTime":991.045,"body":"I "},{"speaker":"Speaker 3","startTime":991.046,"endTime":991.245,"body":"realize "},{"speaker":"Speaker 3","startTime":991.246,"endTime":991.485,"body":"four "},{"speaker":"Speaker 3","startTime":991.486,"endTime":991.645,"body":"years "},{"speaker":"Speaker 3","startTime":991.646,"endTime":991.885,"body":"later "},{"speaker":"Speaker 3","startTime":991.985,"endTime":992.205,"body":"I'd "},{"speaker":"Speaker 3","startTime":992.285,"endTime":992.365,"body":"actually "},{"speaker":"Speaker 3","startTime":992.366,"endTime":992.525,"body":"be "},{"speaker":"Speaker 3","startTime":992.526,"endTime":992.725,"body":"working "},{"speaker":"Speaker 3","startTime":992.726,"endTime":992.965,"body":"here. "},{"speaker":"Speaker 2","startTime":993.425,"endTime":993.645,"body":"So "},{"speaker":"Speaker 2","startTime":993.665,"endTime":993.885,"body":"let "},{"speaker":"Speaker 2","startTime":993.886,"endTime":994.005,"body":"me "},{"speaker":"Speaker 2","startTime":994.006,"endTime":994.205,"body":"ask "},{"speaker":"Speaker 2","startTime":994.206,"endTime":994.325,"body":"you, "},{"speaker":"Speaker 2","startTime":994.326,"endTime":994.525,"body":"the "},{"speaker":"Speaker 2","startTime":994.526,"endTime":994.725,"body":"Bureau "},{"speaker":"Speaker 2","startTime":994.745,"endTime":995.165,"body":"offers "},{"speaker":"Speaker 2","startTime":995.525,"endTime":995.645,"body":"a "},{"speaker":"Speaker 2","startTime":995.646,"endTime":995.845,"body":"lot "},{"speaker":"Speaker 2","startTime":995.905,"endTime":996.125,"body":"of "},{"speaker":"Speaker 2","startTime":996.126,"endTime":996.405,"body":"great "},{"speaker":"Speaker 2","startTime":996.725,"endTime":997.045,"body":"resources, "},{"speaker":"Speaker 2","startTime":997.105,"endTime":997.325,"body":"not "},{"speaker":"Speaker 2","startTime":997.326,"endTime":997.485,"body":"only "},{"speaker":"Speaker 2","startTime":997.486,"endTime":997.645,"body":"for "},{"speaker":"Speaker 2","startTime":997.805,"endTime":998.085,"body":"consumers, "},{"speaker":"Speaker 2","startTime":998.145,"endTime":998.365,"body":"but "},{"speaker":"Speaker 2","startTime":998.366,"endTime":998.565,"body":"for "},{"speaker":"Speaker 2","startTime":998.566,"endTime":999.045,"body":"financial "},{"speaker":"Speaker 2","startTime":999.046,"endTime":999.685,"body":"professionals. "},{"speaker":"Speaker 2","startTime":999.855,"endTime":1000.205,"body":"Would "},{"speaker":"Speaker 2","startTime":1000.206,"endTime":1000.325,"body":"you "},{"speaker":"Speaker 2","startTime":1000.805,"endTime":1001.165,"body":"recommend "},{"speaker":"Speaker 2","startTime":1001.355,"endTime":1001.845,"body":"someone "},{"speaker":"Speaker 2","startTime":1002.255,"endTime":1002.605,"body":"who's "},{"speaker":"Speaker 2","startTime":1002.606,"endTime":1002.805,"body":"new? "},{"speaker":"Speaker 2","startTime":1003.215,"endTime":1003.565,"body":"Maybe "},{"speaker":"Speaker 2","startTime":1003.566,"endTime":1003.845,"body":"give "},{"speaker":"Speaker 2","startTime":1003.846,"endTime":1004.005,"body":"us "},{"speaker":"Speaker 2","startTime":1004.006,"endTime":1004.245,"body":"some "},{"speaker":"Speaker 2","startTime":1004.246,"endTime":1004.565,"body":"ideas "},{"speaker":"Speaker 2","startTime":1004.625,"endTime":1004.845,"body":"of "},{"speaker":"Speaker 2","startTime":1004.846,"endTime":1005.005,"body":"your "},{"speaker":"Speaker 2","startTime":1005.006,"endTime":1005.405,"body":"outline, "},{"speaker":"Speaker 2","startTime":1005.406,"endTime":1005.565,"body":"of "},{"speaker":"Speaker 2","startTime":1005.566,"endTime":1005.685,"body":"your "},{"speaker":"Speaker 2","startTime":1005.965,"endTime":1006.285,"body":"resources. "},{"speaker":"Speaker 3","startTime":1006.435,"endTime":1006.725,"body":"Okay, "},{"speaker":"Speaker 3","startTime":1006.726,"endTime":1006.885,"body":"so "},{"speaker":"Speaker 3","startTime":1006.886,"endTime":1007.045,"body":"for "},{"speaker":"Speaker 3","startTime":1007.285,"endTime":1007.605,"body":"consumers "},{"speaker":"Speaker 3","startTime":1007.705,"endTime":1007.925,"body":"and "},{"speaker":"Speaker 3","startTime":1008.025,"endTime":1008.245,"body":"and "},{"speaker":"Speaker 3","startTime":1008.355,"endTime":1008.965,"body":"financial "},{"speaker":"Speaker 3","startTime":1008.966,"endTime":1009.485,"body":"counselors, "},{"speaker":"Speaker 3","startTime":1010.085,"endTime":1010.205,"body":"I "},{"speaker":"Speaker 3","startTime":1010.206,"endTime":1010.685,"body":"couldn't "},{"speaker":"Speaker 3","startTime":1011.005,"endTime":1011.285,"body":"recommend "},{"speaker":"Speaker 3","startTime":1011.305,"endTime":1011.725,"body":"enough "},{"speaker":"Speaker 3","startTime":1011.785,"endTime":1012.005,"body":"the "},{"speaker":"Speaker 3","startTime":1012.145,"endTime":1012.365,"body":"ask "},{"speaker":"Speaker 3","startTime":1013.285,"endTime":1013.285,"body":"CFPB "},{"speaker":"Speaker 3","startTime":1013.565,"endTime":1013.765,"body":"questions. "},{"speaker":"Speaker 3","startTime":1014.285,"endTime":1014.405,"body":"I "},{"speaker":"Speaker 3","startTime":1014.406,"endTime":1014.525,"body":"think "},{"speaker":"Speaker 3","startTime":1014.526,"endTime":1014.805,"body":"they're "},{"speaker":"Speaker 3","startTime":1014.806,"endTime":1014.925,"body":"really "},{"speaker":"Speaker 3","startTime":1014.926,"endTime":1015.165,"body":"well "},{"speaker":"Speaker 3","startTime":1015.166,"endTime":1015.405,"body":"done, "},{"speaker":"Speaker 3","startTime":1015.435,"endTime":1015.925,"body":"they're "},{"speaker":"Speaker 3","startTime":1015.926,"endTime":1016.045,"body":"well "},{"speaker":"Speaker 3","startTime":1016.046,"endTime":1016.285,"body":"thought "},{"speaker":"Speaker 3","startTime":1016.305,"endTime":1016.525,"body":"out. "},{"speaker":"Speaker 3","startTime":1016.945,"endTime":1017.165,"body":"We, "},{"speaker":"Speaker 3","startTime":1017.505,"endTime":1017.725,"body":"we "},{"speaker":"Speaker 3","startTime":1017.905,"endTime":1018.325,"body":"update "},{"speaker":"Speaker 3","startTime":1018.326,"endTime":1018.485,"body":"them "},{"speaker":"Speaker 3","startTime":1018.486,"endTime":1018.685,"body":"on "},{"speaker":"Speaker 3","startTime":1018.725,"endTime":1018.845,"body":"a "},{"speaker":"Speaker 3","startTime":1018.846,"endTime":1019.045,"body":"fairly "},{"speaker":"Speaker 3","startTime":1019.046,"endTime":1019.445,"body":"regular "},{"speaker":"Speaker 3","startTime":1019.615,"endTime":1019.965,"body":"basis. "},{"speaker":"Speaker 3","startTime":1020.185,"endTime":1020.405,"body":"So "},{"speaker":"Speaker 3","startTime":1020.406,"endTime":1020.525,"body":"you "},{"speaker":"Speaker 3","startTime":1020.526,"endTime":1020.645,"body":"can "},{"speaker":"Speaker 3","startTime":1020.646,"endTime":1020.765,"body":"go "},{"speaker":"Speaker 3","startTime":1020.845,"endTime":1021.005,"body":"to "},{"speaker":"Speaker 3","startTime":1021.006,"endTime":1021.125,"body":"that "},{"speaker":"Speaker 3","startTime":1021.235,"endTime":1021.525,"body":"site "},{"speaker":"Speaker 3","startTime":1021.665,"endTime":1021.885,"body":"and "},{"speaker":"Speaker 3","startTime":1021.886,"endTime":1022.085,"body":"just "},{"speaker":"Speaker 3","startTime":1022.305,"endTime":1022.525,"body":"ask "},{"speaker":"Speaker 3","startTime":1022.645,"endTime":1022.765,"body":"a "},{"speaker":"Speaker 3","startTime":1022.925,"endTime":1023.045,"body":"question. "},{"speaker":"Speaker 3","startTime":1023.905,"endTime":1024.125,"body":"And "},{"speaker":"Speaker 3","startTime":1024.126,"endTime":1024.445,"body":"there's "},{"speaker":"Speaker 3","startTime":1024.446,"endTime":1024.525,"body":"a "},{"speaker":"Speaker 3","startTime":1024.526,"endTime":1024.765,"body":"wealth "},{"speaker":"Speaker 3","startTime":1024.766,"endTime":1024.965,"body":"of "},{"speaker":"Speaker 3","startTime":1024.966,"endTime":1025.525,"body":"information "},{"speaker":"Speaker 3","startTime":1025.526,"endTime":1025.885,"body":"that's "},{"speaker":"Speaker 3","startTime":1025.886,"endTime":1026.005,"body":"been "},{"speaker":"Speaker 3","startTime":1026.006,"endTime":1026.285,"body":"highly "},{"speaker":"Speaker 3","startTime":1026.565,"endTime":1026.885,"body":"vetted "},{"speaker":"Speaker 3","startTime":1027.305,"endTime":1027.525,"body":"and "},{"speaker":"Speaker 3","startTime":1027.526,"endTime":1027.765,"body":"it's, "},{"speaker":"Speaker 3","startTime":1027.766,"endTime":1028.045,"body":"it's "},{"speaker":"Speaker 3","startTime":1028.046,"endTime":1028.285,"body":"written "},{"speaker":"Speaker 3","startTime":1028.465,"endTime":1028.885,"body":"really "},{"speaker":"Speaker 3","startTime":1028.984,"endTime":1029.205,"body":"for "},{"speaker":"Speaker 3","startTime":1029.445,"endTime":1029.805,"body":"consumers, "},{"speaker":"Speaker 3","startTime":1029.825,"endTime":1030.045,"body":"but, "},{"speaker":"Speaker 3","startTime":1030.046,"endTime":1030.244,"body":"but "},{"speaker":"Speaker 3","startTime":1030.245,"endTime":1030.685,"body":"obviously "},{"speaker":"Speaker 3","startTime":1030.984,"endTime":1031.205,"body":"if "},{"speaker":"Speaker 3","startTime":1031.206,"endTime":1031.484,"body":"you're "},{"speaker":"Speaker 3","startTime":1031.965,"endTime":1032.085,"body":"a "},{"speaker":"Speaker 3","startTime":1032.086,"endTime":1032.565,"body":"counselor, "},{"speaker":"Speaker 3","startTime":1032.905,"endTime":1033.325,"body":"you're "},{"speaker":"Speaker 3","startTime":1033.565,"endTime":1033.845,"body":"interacting "},{"speaker":"Speaker 3","startTime":1033.846,"endTime":1033.965,"body":"with "},{"speaker":"Speaker 3","startTime":1033.966,"endTime":1034.085,"body":"them, "},{"speaker":"Speaker 3","startTime":1034.565,"endTime":1034.685,"body":"I "},{"speaker":"Speaker 3","startTime":1034.686,"endTime":1034.805,"body":"think "},{"speaker":"Speaker 3","startTime":1034.806,"endTime":1035.045,"body":"that's "},{"speaker":"Speaker 3","startTime":1035.125,"endTime":1035.244,"body":"a "},{"speaker":"Speaker 3","startTime":1035.245,"endTime":1035.525,"body":"ready, "},{"speaker":"Speaker 3","startTime":1036.215,"endTime":1036.565,"body":"ready "},{"speaker":"Speaker 3","startTime":1036.775,"endTime":1037.125,"body":"go-to "},{"speaker":"Speaker 3","startTime":1037.965,"endTime":1038.165,"body":"resource "},{"speaker":"Speaker 3","startTime":1038.305,"endTime":1038.525,"body":"for, "},{"speaker":"Speaker 3","startTime":1038.625,"endTime":1038.845,"body":"for "},{"speaker":"Speaker 3","startTime":1038.945,"endTime":1039.165,"body":"any, "},{"speaker":"Speaker 3","startTime":1039.545,"endTime":1039.765,"body":"any "},{"speaker":"Speaker 3","startTime":1040.005,"endTime":1040.165,"body":"consumer "},{"speaker":"Speaker 3","startTime":1040.385,"endTime":1040.605,"body":"or "},{"speaker":"Speaker 3","startTime":1040.744,"endTime":1040.965,"body":"any "},{"speaker":"Speaker 3","startTime":1041.165,"endTime":1041.285,"body":"consumer "},{"speaker":"Speaker 3","startTime":1041.286,"endTime":1041.885,"body":"counselor. "},{"speaker":"Speaker 3","startTime":1042.365,"endTime":1042.365,"body":"Um "},{"speaker":"Speaker 3","startTime":1042.365,"endTime":1042.365,"body":", "},{"speaker":"Speaker 3","startTime":1042.705,"endTime":1042.925,"body":"and "},{"speaker":"Speaker 3","startTime":1042.926,"endTime":1043.125,"body":"if "},{"speaker":"Speaker 3","startTime":1043.126,"endTime":1043.405,"body":"they're "},{"speaker":"Speaker 3","startTime":1043.406,"endTime":1043.484,"body":"a "},{"speaker":"Speaker 3","startTime":1043.605,"endTime":1043.725,"body":"consumer "},{"speaker":"Speaker 3","startTime":1043.726,"endTime":1044.244,"body":"counselor, "},{"speaker":"Speaker 3","startTime":1044.285,"endTime":1044.405,"body":"I "},{"speaker":"Speaker 3","startTime":1044.406,"endTime":1044.525,"body":"would "},{"speaker":"Speaker 3","startTime":1044.755,"endTime":1045.045,"body":"sort "},{"speaker":"Speaker 3","startTime":1045.046,"endTime":1045.165,"body":"of, "},{"speaker":"Speaker 3","startTime":1045.166,"endTime":1045.365,"body":"not "},{"speaker":"Speaker 3","startTime":1045.366,"endTime":1045.484,"body":"a "},{"speaker":"Speaker 3","startTime":1045.485,"endTime":1045.645,"body":"web "},{"speaker":"Speaker 3","startTime":1045.845,"endTime":1046.005,"body":"resource, "},{"speaker":"Speaker 3","startTime":1046.025,"endTime":1046.244,"body":"but "},{"speaker":"Speaker 3","startTime":1046.305,"endTime":1046.525,"body":"I'd "},{"speaker":"Speaker 3","startTime":1046.526,"endTime":1046.885,"body":"highly "},{"speaker":"Speaker 3","startTime":1046.886,"endTime":1047.365,"body":"encourage "},{"speaker":"Speaker 3","startTime":1047.525,"endTime":1047.525,"body":"them "},{"speaker":"Speaker 3","startTime":1047.526,"endTime":1047.725,"body":"to, "},{"speaker":"Speaker 3","startTime":1047.744,"endTime":1047.965,"body":"to "},{"speaker":"Speaker 3","startTime":1047.966,"endTime":1048.165,"body":"reach "},{"speaker":"Speaker 3","startTime":1048.185,"endTime":1048.405,"body":"out "},{"speaker":"Speaker 3","startTime":1048.406,"endTime":1048.605,"body":"to "},{"speaker":"Speaker 3","startTime":1048.606,"endTime":1048.725,"body":"us "},{"speaker":"Speaker 3","startTime":1049.125,"endTime":1049.285,"body":"directly "},{"speaker":"Speaker 3","startTime":1049.285,"endTime":1049.285,"body":", "},{"speaker":"Speaker 3","startTime":1049.965,"endTime":1049.965,"body":"uh, "},{"speaker":"Speaker 3","startTime":1050.234,"endTime":1050.725,"body":"between, "},{"speaker":"Speaker 3","startTime":1051.025,"endTime":1051.244,"body":"you "},{"speaker":"Speaker 3","startTime":1051.245,"endTime":1051.325,"body":"know, "},{"speaker":"Speaker 3","startTime":1051.505,"endTime":1051.725,"body":"the, "},{"speaker":"Speaker 3","startTime":1052.325,"endTime":1052.325,"body":"the "},{"speaker":"Speaker 3","startTime":1052.326,"endTime":1052.525,"body":"folks "},{"speaker":"Speaker 3","startTime":1052.585,"endTime":1052.805,"body":"on "},{"speaker":"Speaker 3","startTime":1053.045,"endTime":1053.165,"body":"consumer "},{"speaker":"Speaker 3","startTime":1053.166,"endTime":1053.805,"body":"populations "},{"speaker":"Speaker 3","startTime":1053.865,"endTime":1054.085,"body":"and "},{"speaker":"Speaker 3","startTime":1054.086,"endTime":1054.365,"body":"markets. "},{"speaker":"Speaker 3","startTime":1054.425,"endTime":1054.645,"body":"We "},{"speaker":"Speaker 3","startTime":1054.646,"endTime":1054.765,"body":"have "},{"speaker":"Speaker 3","startTime":1054.805,"endTime":1054.925,"body":"a "},{"speaker":"Speaker 3","startTime":1054.926,"endTime":1055.165,"body":"wealth "},{"speaker":"Speaker 3","startTime":1055.166,"endTime":1055.325,"body":"of "},{"speaker":"Speaker 3","startTime":1055.326,"endTime":1055.605,"body":"subject "},{"speaker":"Speaker 3","startTime":1055.606,"endTime":1055.965,"body":"matter "},{"speaker":"Speaker 3","startTime":1055.984,"endTime":1056.405,"body":"expert "},{"speaker":"Speaker 3","startTime":1056.595,"endTime":1057.205,"body":"expertise "},{"speaker":"Speaker 3","startTime":1057.206,"endTime":1057.445,"body":"that "},{"speaker":"Speaker 3","startTime":1057.925,"endTime":1057.925,"body":"we "},{"speaker":"Speaker 3","startTime":1057.925,"endTime":1057.925,"body":", "},{"speaker":"Speaker 3","startTime":1058.185,"endTime":1058.405,"body":"we "},{"speaker":"Speaker 3","startTime":1058.685,"endTime":1059.045,"body":"absolutely, "},{"speaker":"Speaker 3","startTime":1059.325,"endTime":1059.445,"body":"I "},{"speaker":"Speaker 3","startTime":1059.525,"endTime":1059.525,"body":"mean "},{"speaker":"Speaker 3","startTime":1059.525,"endTime":1059.525,"body":", "},{"speaker":"Speaker 3","startTime":1059.545,"endTime":1059.765,"body":"not "},{"speaker":"Speaker 3","startTime":1059.766,"endTime":1059.925,"body":"only "},{"speaker":"Speaker 3","startTime":1059.945,"endTime":1060.165,"body":"we "},{"speaker":"Speaker 3","startTime":1060.166,"endTime":1060.365,"body":"love "},{"speaker":"Speaker 3","startTime":1060.366,"endTime":1060.725,"body":"sharing "},{"speaker":"Speaker 3","startTime":1060.744,"endTime":1060.965,"body":"it, "},{"speaker":"Speaker 3","startTime":1060.966,"endTime":1061.125,"body":"we "},{"speaker":"Speaker 3","startTime":1061.126,"endTime":1061.325,"body":"kind "},{"speaker":"Speaker 3","startTime":1061.326,"endTime":1061.405,"body":"of "},{"speaker":"Speaker 3","startTime":1061.406,"endTime":1061.565,"body":"feel "},{"speaker":"Speaker 3","startTime":1061.566,"endTime":1061.725,"body":"like "},{"speaker":"Speaker 3","startTime":1061.726,"endTime":1061.925,"body":"it's "},{"speaker":"Speaker 3","startTime":1061.926,"endTime":1062.045,"body":"our "},{"speaker":"Speaker 3","startTime":1062.046,"endTime":1062.244,"body":"job. "},{"speaker":"Speaker 1","startTime":1063.205,"endTime":1063.205,"body":"John "},{"speaker":"Speaker 1","startTime":1063.205,"endTime":1063.205,"body":", "},{"speaker":"Speaker 1","startTime":1063.385,"endTime":1063.605,"body":"one "},{"speaker":"Speaker 1","startTime":1063.805,"endTime":1063.925,"body":"question "},{"speaker":"Speaker 1","startTime":1063.984,"endTime":1064.205,"body":"we "},{"speaker":"Speaker 1","startTime":1064.265,"endTime":1064.484,"body":"ask "},{"speaker":"Speaker 1","startTime":1064.545,"endTime":1064.765,"body":"at "},{"speaker":"Speaker 1","startTime":1064.766,"endTime":1064.965,"body":"the "},{"speaker":"Speaker 1","startTime":1065.025,"endTime":1065.244,"body":"end "},{"speaker":"Speaker 1","startTime":1065.245,"endTime":1065.445,"body":"of "},{"speaker":"Speaker 1","startTime":1065.446,"endTime":1065.765,"body":"every "},{"speaker":"Speaker 1","startTime":1065.766,"endTime":1066.365,"body":"interview "},{"speaker":"Speaker 1","startTime":1066.825,"endTime":1067.045,"body":"is "},{"speaker":"Speaker 1","startTime":1067.225,"endTime":1067.445,"body":"to "},{"speaker":"Speaker 1","startTime":1067.446,"endTime":1067.685,"body":"share "},{"speaker":"Speaker 1","startTime":1067.686,"endTime":1068.005,"body":"their "},{"speaker":"Speaker 1","startTime":1068.145,"endTime":1068.805,"body":"2 "},{"speaker":"Speaker 1","startTime":1068.805,"endTime":1068.805,"body":"cents. "},{"speaker":"Speaker 1","startTime":1069.305,"endTime":1069.525,"body":"If "},{"speaker":"Speaker 1","startTime":1069.526,"endTime":1069.605,"body":"you "},{"speaker":"Speaker 1","startTime":1069.606,"endTime":1069.805,"body":"had "},{"speaker":"Speaker 1","startTime":1069.806,"endTime":1070.005,"body":"one "},{"speaker":"Speaker 1","startTime":1070.006,"endTime":1070.285,"body":"piece "},{"speaker":"Speaker 1","startTime":1070.286,"endTime":1070.445,"body":"of "},{"speaker":"Speaker 1","startTime":1070.446,"endTime":1070.725,"body":"advice "},{"speaker":"Speaker 1","startTime":1070.744,"endTime":1070.965,"body":"to "},{"speaker":"Speaker 1","startTime":1070.966,"endTime":1071.165,"body":"leave "},{"speaker":"Speaker 1","startTime":1071.166,"endTime":1071.405,"body":"with "},{"speaker":"Speaker 1","startTime":1071.406,"endTime":1071.565,"body":"our "},{"speaker":"Speaker 1","startTime":1071.566,"endTime":1072.005,"body":"listeners, "},{"speaker":"Speaker 1","startTime":1072.035,"endTime":1072.325,"body":"what "},{"speaker":"Speaker 1","startTime":1072.326,"endTime":1072.484,"body":"would "},{"speaker":"Speaker 1","startTime":1072.485,"endTime":1072.605,"body":"it "},{"speaker":"Speaker 1","startTime":1072.606,"endTime":1072.685,"body":"be? "},{"speaker":"Speaker 3","startTime":1072.835,"endTime":1073.125,"body":"Yeah, "},{"speaker":"Speaker 3","startTime":1073.165,"endTime":1073.285,"body":"I, "},{"speaker":"Speaker 3","startTime":1073.425,"endTime":1073.645,"body":"I'd "},{"speaker":"Speaker 3","startTime":1073.646,"endTime":1073.765,"body":"say "},{"speaker":"Speaker 3","startTime":1073.766,"endTime":1074.005,"body":"you're "},{"speaker":"Speaker 3","startTime":1074.006,"endTime":1074.125,"body":"not "},{"speaker":"Speaker 3","startTime":1074.126,"endTime":1074.365,"body":"alone. "},{"speaker":"Speaker 3","startTime":1074.885,"endTime":1075.005,"body":"I "},{"speaker":"Speaker 3","startTime":1075.006,"endTime":1075.125,"body":"mean, "},{"speaker":"Speaker 3","startTime":1075.484,"endTime":1075.805,"body":"consumers "},{"speaker":"Speaker 3","startTime":1075.806,"endTime":1076.005,"body":"that "},{"speaker":"Speaker 3","startTime":1076.006,"endTime":1076.165,"body":"are "},{"speaker":"Speaker 3","startTime":1076.166,"endTime":1076.525,"body":"struggling, "},{"speaker":"Speaker 3","startTime":1076.645,"endTime":1076.765,"body":"I "},{"speaker":"Speaker 3","startTime":1076.766,"endTime":1076.885,"body":"think "},{"speaker":"Speaker 3","startTime":1076.955,"endTime":1077.244,"body":"it's "},{"speaker":"Speaker 3","startTime":1077.245,"endTime":1077.365,"body":"a "},{"speaker":"Speaker 3","startTime":1077.366,"endTime":1077.605,"body":"lonely "},{"speaker":"Speaker 3","startTime":1077.775,"endTime":1078.125,"body":"place. "},{"speaker":"Speaker 3","startTime":1078.515,"endTime":1078.805,"body":"Some "},{"speaker":"Speaker 3","startTime":1078.806,"endTime":1079.285,"body":"collectors "},{"speaker":"Speaker 3","startTime":1079.286,"endTime":1079.445,"body":"will "},{"speaker":"Speaker 3","startTime":1079.446,"endTime":1079.605,"body":"even "},{"speaker":"Speaker 3","startTime":1079.606,"endTime":1079.805,"body":"try "},{"speaker":"Speaker 3","startTime":1079.806,"endTime":1079.925,"body":"to "},{"speaker":"Speaker 3","startTime":1079.926,"endTime":1080.125,"body":"make "},{"speaker":"Speaker 3","startTime":1080.244,"endTime":1080.365,"body":"'em "},{"speaker":"Speaker 3","startTime":1080.366,"endTime":1080.484,"body":"feel "},{"speaker":"Speaker 3","startTime":1080.485,"endTime":1080.645,"body":"like "},{"speaker":"Speaker 3","startTime":1080.646,"endTime":1080.925,"body":"they're "},{"speaker":"Speaker 3","startTime":1080.926,"endTime":1081.045,"body":"the "},{"speaker":"Speaker 3","startTime":1081.046,"endTime":1081.205,"body":"only "},{"speaker":"Speaker 3","startTime":1081.206,"endTime":1081.445,"body":"person "},{"speaker":"Speaker 3","startTime":1081.505,"endTime":1081.725,"body":"in "},{"speaker":"Speaker 3","startTime":1081.726,"endTime":1081.805,"body":"the "},{"speaker":"Speaker 3","startTime":1081.806,"endTime":1081.965,"body":"world "},{"speaker":"Speaker 3","startTime":1082.025,"endTime":1082.244,"body":"who "},{"speaker":"Speaker 3","startTime":1082.245,"endTime":1082.484,"body":"owes "},{"speaker":"Speaker 3","startTime":1082.485,"endTime":1083.205,"body":"$500 "},{"speaker":"Speaker 3","startTime":1083.305,"endTime":1083.525,"body":"to, "},{"speaker":"Speaker 3","startTime":1084.185,"endTime":1084.405,"body":"you "},{"speaker":"Speaker 3","startTime":1084.406,"endTime":1084.525,"body":"know, "},{"speaker":"Speaker 3","startTime":1084.675,"endTime":1084.965,"body":"this "},{"speaker":"Speaker 3","startTime":1085.365,"endTime":1085.525,"body":"hospital "},{"speaker":"Speaker 3","startTime":1085.905,"endTime":1086.125,"body":"or "},{"speaker":"Speaker 3","startTime":1086.555,"endTime":1086.845,"body":"that "},{"speaker":"Speaker 3","startTime":1087.065,"endTime":1087.484,"body":"payday "},{"speaker":"Speaker 3","startTime":1087.485,"endTime":1087.725,"body":"lender. "},{"speaker":"Speaker 3","startTime":1088.315,"endTime":1088.605,"body":"Lots "},{"speaker":"Speaker 3","startTime":1088.606,"endTime":1088.725,"body":"of "},{"speaker":"Speaker 3","startTime":1088.726,"endTime":1088.885,"body":"people "},{"speaker":"Speaker 3","startTime":1089.025,"endTime":1089.244,"body":"owe, "},{"speaker":"Speaker 3","startTime":1089.755,"endTime":1090.045,"body":"lots "},{"speaker":"Speaker 3","startTime":1090.046,"endTime":1090.165,"body":"of "},{"speaker":"Speaker 3","startTime":1090.166,"endTime":1090.285,"body":"people "},{"speaker":"Speaker 3","startTime":1090.345,"endTime":1090.565,"body":"are "},{"speaker":"Speaker 3","startTime":1090.566,"endTime":1091.045,"body":"struggling. "},{"speaker":"Speaker 3","startTime":1091.225,"endTime":1091.645,"body":"You're "},{"speaker":"Speaker 3","startTime":1091.646,"endTime":1091.805,"body":"in "},{"speaker":"Speaker 3","startTime":1091.806,"endTime":1092.165,"body":"really "},{"speaker":"Speaker 3","startTime":1092.195,"endTime":1092.484,"body":"good "},{"speaker":"Speaker 3","startTime":1092.485,"endTime":1092.845,"body":"company "},{"speaker":"Speaker 3","startTime":1093.425,"endTime":1093.645,"body":"and "},{"speaker":"Speaker 3","startTime":1093.646,"endTime":1093.965,"body":"there's "},{"speaker":"Speaker 3","startTime":1094.035,"endTime":1094.325,"body":"lots "},{"speaker":"Speaker 3","startTime":1094.326,"endTime":1094.484,"body":"and "},{"speaker":"Speaker 3","startTime":1094.515,"endTime":1094.805,"body":"lots "},{"speaker":"Speaker 3","startTime":1094.806,"endTime":1094.925,"body":"of "},{"speaker":"Speaker 3","startTime":1094.926,"endTime":1095.085,"body":"help, "},{"speaker":"Speaker 3","startTime":1095.145,"endTime":1095.365,"body":"and "},{"speaker":"Speaker 3","startTime":1095.366,"endTime":1095.605,"body":"there's "},{"speaker":"Speaker 3","startTime":1095.606,"endTime":1095.845,"body":"lots "},{"speaker":"Speaker 3","startTime":1095.846,"endTime":1095.965,"body":"and "},{"speaker":"Speaker 3","startTime":1095.966,"endTime":1096.205,"body":"lots "},{"speaker":"Speaker 3","startTime":1096.206,"endTime":1096.285,"body":"of "},{"speaker":"Speaker 3","startTime":1096.286,"endTime":1096.445,"body":"people "},{"speaker":"Speaker 3","startTime":1096.446,"endTime":1096.645,"body":"that "},{"speaker":"Speaker 3","startTime":1096.646,"endTime":1096.925,"body":"want "},{"speaker":"Speaker 3","startTime":1096.926,"endTime":1097.085,"body":"to "},{"speaker":"Speaker 3","startTime":1097.086,"endTime":1097.244,"body":"help "},{"speaker":"Speaker 3","startTime":1097.245,"endTime":1097.405,"body":"you. "},{"speaker":"Speaker 1","startTime":1097.845,"endTime":1097.965,"body":"I "},{"speaker":"Speaker 1","startTime":1097.966,"endTime":1098.165,"body":"love "},{"speaker":"Speaker 1","startTime":1098.166,"endTime":1098.405,"body":"that. "},{"speaker":"Speaker 1","startTime":1098.655,"endTime":1099.005,"body":"Great "},{"speaker":"Speaker 1","startTime":1099.006,"endTime":1099.325,"body":"advice. "},{"speaker":"Speaker 2","startTime":1100.045,"endTime":1100.045,"body":"John "},{"speaker":"Speaker 2","startTime":1100.045,"endTime":1100.045,"body":", "},{"speaker":"Speaker 2","startTime":1100.046,"endTime":1100.365,"body":"thank "},{"speaker":"Speaker 2","startTime":1100.366,"endTime":1100.445,"body":"you "},{"speaker":"Speaker 2","startTime":1100.446,"endTime":1100.605,"body":"so "},{"speaker":"Speaker 2","startTime":1100.606,"endTime":1100.765,"body":"much "},{"speaker":"Speaker 2","startTime":1100.766,"endTime":1100.965,"body":"for "},{"speaker":"Speaker 2","startTime":1100.966,"endTime":1101.165,"body":"joining "},{"speaker":"Speaker 2","startTime":1101.166,"endTime":1101.365,"body":"us "},{"speaker":"Speaker 2","startTime":1101.366,"endTime":1101.525,"body":"on "},{"speaker":"Speaker 2","startTime":1101.645,"endTime":1101.645,"body":"the "},{"speaker":"Speaker 2","startTime":1101.646,"endTime":1101.805,"body":"show "},{"speaker":"Speaker 2","startTime":1101.806,"endTime":1102.085,"body":"today. "},{"speaker":"Speaker 2","startTime":1102.115,"endTime":1102.405,"body":"Will "},{"speaker":"Speaker 2","startTime":1102.406,"endTime":1102.525,"body":"you "},{"speaker":"Speaker 2","startTime":1102.526,"endTime":1102.685,"body":"tell "},{"speaker":"Speaker 2","startTime":1102.686,"endTime":1102.845,"body":"our "},{"speaker":"Speaker 2","startTime":1102.846,"endTime":1103.205,"body":"listeners "},{"speaker":"Speaker 2","startTime":1103.206,"endTime":1103.365,"body":"where "},{"speaker":"Speaker 2","startTime":1103.366,"endTime":1103.605,"body":"they "},{"speaker":"Speaker 2","startTime":1103.606,"endTime":1103.725,"body":"can "},{"speaker":"Speaker 2","startTime":1103.726,"endTime":1104.085,"body":"connect "},{"speaker":"Speaker 2","startTime":1104.115,"endTime":1104.405,"body":"with "},{"speaker":"Speaker 2","startTime":1104.406,"endTime":1104.525,"body":"you? "},{"speaker":"Speaker 3","startTime":1105.105,"endTime":1105.325,"body":"My "},{"speaker":"Speaker 3","startTime":1105.326,"endTime":1105.645,"body":"email "},{"speaker":"Speaker 3","startTime":1105.865,"endTime":1106.085,"body":"is "},{"speaker":"Speaker 3","startTime":1106.195,"endTime":1106.484,"body":"John "},{"speaker":"Speaker 3","startTime":1107.205,"endTime":1107.205,"body":"dot "},{"speaker":"Speaker 3","startTime":1107.405,"endTime":1110.365,"body":"mcnamara@cfpb.gov "},{"speaker":"Speaker 3","startTime":1110.455,"endTime":1111.125,"body":"counselors "},{"speaker":"Speaker 3","startTime":1111.345,"endTime":1111.565,"body":"who "},{"speaker":"Speaker 3","startTime":1111.585,"endTime":1111.805,"body":"are "},{"speaker":"Speaker 3","startTime":1112.275,"endTime":1112.565,"body":"sort "},{"speaker":"Speaker 3","startTime":1112.566,"endTime":1112.685,"body":"of "},{"speaker":"Speaker 3","startTime":1113.405,"endTime":1113.765,"body":"interacting "},{"speaker":"Speaker 3","startTime":1113.766,"endTime":1114.005,"body":"with, "},{"speaker":"Speaker 3","startTime":1114.006,"endTime":1114.244,"body":"with "},{"speaker":"Speaker 3","startTime":1114.245,"endTime":1114.445,"body":"the "},{"speaker":"Speaker 3","startTime":1114.446,"endTime":1114.605,"body":"kind "},{"speaker":"Speaker 3","startTime":1114.606,"endTime":1114.765,"body":"of "},{"speaker":"Speaker 3","startTime":1114.766,"endTime":1114.925,"body":"people "},{"speaker":"Speaker 3","startTime":1114.926,"endTime":1115.205,"body":"that, "},{"speaker":"Speaker 3","startTime":1115.206,"endTime":1115.484,"body":"that "},{"speaker":"Speaker 3","startTime":1115.585,"endTime":1115.805,"body":"we "},{"speaker":"Speaker 3","startTime":1115.806,"endTime":1115.965,"body":"were "},{"speaker":"Speaker 3","startTime":1116.055,"endTime":1116.405,"body":"stood "},{"speaker":"Speaker 3","startTime":1116.406,"endTime":1116.605,"body":"up "},{"speaker":"Speaker 3","startTime":1116.606,"endTime":1116.805,"body":"to "},{"speaker":"Speaker 3","startTime":1116.806,"endTime":1116.965,"body":"take "},{"speaker":"Speaker 3","startTime":1116.966,"endTime":1117.244,"body":"care "},{"speaker":"Speaker 3","startTime":1117.265,"endTime":1117.484,"body":"of. "},{"speaker":"Speaker 3","startTime":1117.955,"endTime":1118.244,"body":"They "},{"speaker":"Speaker 3","startTime":1118.245,"endTime":1118.405,"body":"have "},{"speaker":"Speaker 3","startTime":1118.406,"endTime":1118.645,"body":"sort "},{"speaker":"Speaker 3","startTime":1118.646,"endTime":1118.765,"body":"of "},{"speaker":"Speaker 3","startTime":1118.766,"endTime":1119.244,"body":"firsthand "},{"speaker":"Speaker 3","startTime":1119.245,"endTime":1119.645,"body":"knowledge "},{"speaker":"Speaker 3","startTime":1119.646,"endTime":1119.725,"body":"of "},{"speaker":"Speaker 3","startTime":1119.726,"endTime":1119.965,"body":"what's "},{"speaker":"Speaker 3","startTime":1119.966,"endTime":1120.125,"body":"going "},{"speaker":"Speaker 3","startTime":1120.126,"endTime":1120.285,"body":"on "},{"speaker":"Speaker 3","startTime":1120.305,"endTime":1120.525,"body":"out "},{"speaker":"Speaker 3","startTime":1120.526,"endTime":1120.685,"body":"there "},{"speaker":"Speaker 3","startTime":1120.984,"endTime":1121.205,"body":"in "},{"speaker":"Speaker 3","startTime":1121.206,"endTime":1121.325,"body":"terms "},{"speaker":"Speaker 3","startTime":1121.525,"endTime":1121.525,"body":"of "},{"speaker":"Speaker 3","startTime":1121.984,"endTime":1122.205,"body":"bad "},{"speaker":"Speaker 3","startTime":1122.605,"endTime":1122.925,"body":"behaviors "},{"speaker":"Speaker 3","startTime":1122.926,"endTime":1123.085,"body":"and "},{"speaker":"Speaker 3","startTime":1123.086,"endTime":1123.325,"body":"good "},{"speaker":"Speaker 3","startTime":1123.565,"endTime":1123.885,"body":"behaviors. "},{"speaker":"Speaker 3","startTime":1124.145,"endTime":1124.365,"body":"So "},{"speaker":"Speaker 3","startTime":1124.565,"endTime":1124.765,"body":"we "},{"speaker":"Speaker 3","startTime":1124.815,"endTime":1125.165,"body":"enjoy "},{"speaker":"Speaker 3","startTime":1125.166,"endTime":1125.565,"body":"hearing "},{"speaker":"Speaker 3","startTime":1125.795,"endTime":1126.085,"body":"what "},{"speaker":"Speaker 3","startTime":1126.086,"endTime":1126.445,"body":"they're "},{"speaker":"Speaker 3","startTime":1126.446,"endTime":1126.645,"body":"hearing "},{"speaker":"Speaker 3","startTime":1126.865,"endTime":1127.085,"body":"to "},{"speaker":"Speaker 3","startTime":1127.086,"endTime":1127.205,"body":"give "},{"speaker":"Speaker 3","startTime":1127.206,"endTime":1127.365,"body":"us "},{"speaker":"Speaker 3","startTime":1127.435,"endTime":1127.725,"body":"sort "},{"speaker":"Speaker 3","startTime":1127.726,"endTime":1127.845,"body":"of "},{"speaker":"Speaker 3","startTime":1127.846,"endTime":1127.965,"body":"an "},{"speaker":"Speaker 3","startTime":1127.966,"endTime":1128.205,"body":"early "},{"speaker":"Speaker 3","startTime":1128.275,"endTime":1128.565,"body":"tell "},{"speaker":"Speaker 3","startTime":1128.625,"endTime":1128.845,"body":"on "},{"speaker":"Speaker 3","startTime":1128.846,"endTime":1129.085,"body":"what "},{"speaker":"Speaker 3","startTime":1129.086,"endTime":1129.325,"body":"kind "},{"speaker":"Speaker 3","startTime":1129.326,"endTime":1129.445,"body":"of "},{"speaker":"Speaker 3","startTime":1129.685,"endTime":1129.685,"body":"risk "},{"speaker":"Speaker 3","startTime":1129.686,"endTime":1130.005,"body":"might "},{"speaker":"Speaker 3","startTime":1130.006,"endTime":1130.125,"body":"be "},{"speaker":"Speaker 3","startTime":1130.126,"endTime":1130.285,"body":"coming "},{"speaker":"Speaker 3","startTime":1130.286,"endTime":1130.525,"body":"down "},{"speaker":"Speaker 3","startTime":1130.526,"endTime":1130.645,"body":"the "},{"speaker":"Speaker 3","startTime":1130.646,"endTime":1130.765,"body":"road "},{"speaker":"Speaker 3","startTime":1130.785,"endTime":1131.005,"body":"for "},{"speaker":"Speaker 3","startTime":1131.205,"endTime":1131.525,"body":"consumers. "},{"speaker":"Speaker 1","startTime":1131.795,"endTime":1132.085,"body":"Yeah. "},{"speaker":"Speaker 1","startTime":1132.086,"endTime":1132.285,"body":"And "},{"speaker":"Speaker 1","startTime":1132.525,"endTime":1132.525,"body":"John "},{"speaker":"Speaker 1","startTime":1132.525,"endTime":1132.525,"body":", "},{"speaker":"Speaker 1","startTime":1132.615,"endTime":1132.965,"body":"where "},{"speaker":"Speaker 1","startTime":1132.966,"endTime":1133.125,"body":"do "},{"speaker":"Speaker 1","startTime":1133.126,"endTime":1133.244,"body":"you "},{"speaker":"Speaker 1","startTime":1133.525,"endTime":1133.805,"body":"recommend "},{"speaker":"Speaker 1","startTime":1133.855,"endTime":1134.525,"body":"counselors "},{"speaker":"Speaker 1","startTime":1134.535,"endTime":1134.885,"body":"share "},{"speaker":"Speaker 1","startTime":1134.915,"endTime":1135.205,"body":"some "},{"speaker":"Speaker 1","startTime":1135.206,"endTime":1135.325,"body":"of "},{"speaker":"Speaker 1","startTime":1135.326,"endTime":1135.445,"body":"that "},{"speaker":"Speaker 1","startTime":1135.685,"endTime":1135.885,"body":"feedback "},{"speaker":"Speaker 1","startTime":1135.886,"endTime":1136.045,"body":"with "},{"speaker":"Speaker 1","startTime":1136.046,"endTime":1136.165,"body":"you? "},{"speaker":"Speaker 3","startTime":1136.685,"endTime":1136.805,"body":"I "},{"speaker":"Speaker 3","startTime":1136.806,"endTime":1136.925,"body":"would "},{"speaker":"Speaker 3","startTime":1136.926,"endTime":1137.125,"body":"say "},{"speaker":"Speaker 3","startTime":1137.126,"endTime":1137.285,"body":"they "},{"speaker":"Speaker 3","startTime":1137.445,"endTime":1137.445,"body":"can "},{"speaker":"Speaker 3","startTime":1137.446,"endTime":1137.765,"body":"email "},{"speaker":"Speaker 3","startTime":1137.766,"endTime":1137.965,"body":"us "},{"speaker":"Speaker 3","startTime":1138.645,"endTime":1138.805,"body":"directly. "},{"speaker":"Speaker 3","startTime":1139.065,"endTime":1139.285,"body":"We "},{"speaker":"Speaker 3","startTime":1139.405,"endTime":1139.484,"body":"actually "},{"speaker":"Speaker 3","startTime":1139.485,"endTime":1139.605,"body":"have "},{"speaker":"Speaker 3","startTime":1139.805,"endTime":1139.805,"body":"an "},{"speaker":"Speaker 3","startTime":1139.806,"endTime":1140.005,"body":"office "},{"speaker":"Speaker 3","startTime":1140.025,"endTime":1140.244,"body":"of "},{"speaker":"Speaker 3","startTime":1140.245,"endTime":1140.484,"body":"public "},{"speaker":"Speaker 3","startTime":1140.485,"endTime":1141.085,"body":"engagement "},{"speaker":"Speaker 3","startTime":1141.405,"endTime":1141.405,"body":"too "},{"speaker":"Speaker 3","startTime":1141.405,"endTime":1141.405,"body":", "},{"speaker":"Speaker 3","startTime":1141.475,"endTime":1141.765,"body":"that, "},{"speaker":"Speaker 3","startTime":1141.795,"endTime":1142.085,"body":"that "},{"speaker":"Speaker 3","startTime":1142.115,"endTime":1142.405,"body":"sets "},{"speaker":"Speaker 3","startTime":1142.406,"endTime":1142.605,"body":"up "},{"speaker":"Speaker 3","startTime":1142.606,"endTime":1142.965,"body":"meetings "},{"speaker":"Speaker 3","startTime":1143.205,"endTime":1143.765,"body":"regularly "},{"speaker":"Speaker 3","startTime":1143.766,"endTime":1144.005,"body":"where "},{"speaker":"Speaker 3","startTime":1144.006,"endTime":1144.165,"body":"we "},{"speaker":"Speaker 3","startTime":1144.166,"endTime":1144.405,"body":"gather "},{"speaker":"Speaker 3","startTime":1144.725,"endTime":1144.845,"body":"together "},{"speaker":"Speaker 3","startTime":1145.375,"endTime":1145.725,"body":"folks "},{"speaker":"Speaker 3","startTime":1145.744,"endTime":1145.965,"body":"who "},{"speaker":"Speaker 3","startTime":1145.966,"endTime":1146.125,"body":"have "},{"speaker":"Speaker 3","startTime":1146.126,"endTime":1146.325,"body":"that "},{"speaker":"Speaker 3","startTime":1146.326,"endTime":1146.925,"body":"experience "},{"speaker":"Speaker 3","startTime":1146.945,"endTime":1147.165,"body":"to "},{"speaker":"Speaker 3","startTime":1147.166,"endTime":1147.445,"body":"share "},{"speaker":"Speaker 3","startTime":1147.446,"endTime":1147.605,"body":"it "},{"speaker":"Speaker 3","startTime":1147.606,"endTime":1147.765,"body":"with "},{"speaker":"Speaker 3","startTime":1147.766,"endTime":1147.885,"body":"us. "},{"speaker":"Speaker 3","startTime":1148.305,"endTime":1148.525,"body":"And "},{"speaker":"Speaker 3","startTime":1148.705,"endTime":1148.925,"body":"my "},{"speaker":"Speaker 3","startTime":1148.926,"endTime":1149.125,"body":"office, "},{"speaker":"Speaker 3","startTime":1149.175,"endTime":1149.525,"body":"along "},{"speaker":"Speaker 3","startTime":1149.526,"endTime":1149.685,"body":"with "},{"speaker":"Speaker 3","startTime":1149.686,"endTime":1149.805,"body":"the "},{"speaker":"Speaker 3","startTime":1149.806,"endTime":1149.965,"body":"Office "},{"speaker":"Speaker 3","startTime":1149.966,"endTime":1150.125,"body":"of "},{"speaker":"Speaker 3","startTime":1150.325,"endTime":1150.484,"body":"Research, "},{"speaker":"Speaker 3","startTime":1150.505,"endTime":1150.725,"body":"we "},{"speaker":"Speaker 3","startTime":1150.925,"endTime":1150.925,"body":"spend "},{"speaker":"Speaker 3","startTime":1150.926,"endTime":1151.005,"body":"a "},{"speaker":"Speaker 3","startTime":1151.006,"endTime":1151.085,"body":"lot "},{"speaker":"Speaker 3","startTime":1151.086,"endTime":1151.205,"body":"of "},{"speaker":"Speaker 3","startTime":1151.206,"endTime":1151.325,"body":"time "},{"speaker":"Speaker 3","startTime":1151.326,"endTime":1151.645,"body":"thinking "},{"speaker":"Speaker 3","startTime":1151.646,"endTime":1151.805,"body":"about "},{"speaker":"Speaker 3","startTime":1151.806,"endTime":1152.005,"body":"what "},{"speaker":"Speaker 3","startTime":1152.205,"endTime":1152.325,"body":"consumer "},{"speaker":"Speaker 3","startTime":1152.326,"endTime":1152.685,"body":"balance "},{"speaker":"Speaker 3","startTime":1152.686,"endTime":1153.005,"body":"sheets "},{"speaker":"Speaker 3","startTime":1153.155,"endTime":1153.445,"body":"look "},{"speaker":"Speaker 3","startTime":1153.446,"endTime":1153.565,"body":"like "},{"speaker":"Speaker 3","startTime":1154.145,"endTime":1154.365,"body":"and "},{"speaker":"Speaker 3","startTime":1154.425,"endTime":1154.645,"body":"how "},{"speaker":"Speaker 3","startTime":1154.646,"endTime":1154.925,"body":"they're "},{"speaker":"Speaker 3","startTime":1154.926,"endTime":1155.285,"body":"faring. "},{"speaker":"Speaker 3","startTime":1155.286,"endTime":1155.445,"body":"You "},{"speaker":"Speaker 3","startTime":1155.446,"endTime":1155.525,"body":"know, "},{"speaker":"Speaker 3","startTime":1155.526,"endTime":1155.725,"body":"the "},{"speaker":"Speaker 3","startTime":1155.725,"endTime":1155.725,"body":", "},{"speaker":"Speaker 3","startTime":1155.885,"endTime":1155.885,"body":"uh, "},{"speaker":"Speaker 3","startTime":1155.886,"endTime":1156.325,"body":"obviously "},{"speaker":"Speaker 3","startTime":1156.326,"endTime":1156.565,"body":"student "},{"speaker":"Speaker 3","startTime":1156.566,"endTime":1156.845,"body":"loans "},{"speaker":"Speaker 3","startTime":1157.405,"endTime":1157.725,"body":"repayments "},{"speaker":"Speaker 3","startTime":1157.726,"endTime":1157.925,"body":"just "},{"speaker":"Speaker 3","startTime":1157.926,"endTime":1158.165,"body":"started, "},{"speaker":"Speaker 3","startTime":1158.166,"endTime":1158.445,"body":"that's "},{"speaker":"Speaker 3","startTime":1158.446,"endTime":1158.605,"body":"for "},{"speaker":"Speaker 3","startTime":1158.606,"endTime":1159.285,"body":"44 "},{"speaker":"Speaker 3","startTime":1159.285,"endTime":1159.285,"body":"million "},{"speaker":"Speaker 3","startTime":1160.525,"endTime":1160.925,"body":"consumers. "},{"speaker":"Speaker 3","startTime":1161.385,"endTime":1161.805,"body":"You've "},{"speaker":"Speaker 3","startTime":1161.845,"endTime":1162.005,"body":"got "},{"speaker":"Speaker 3","startTime":1162.006,"endTime":1162.205,"body":"the "},{"speaker":"Speaker 3","startTime":1162.405,"endTime":1162.525,"body":"interest "},{"speaker":"Speaker 3","startTime":1162.526,"endTime":1162.805,"body":"rates "},{"speaker":"Speaker 3","startTime":1162.835,"endTime":1163.125,"body":"that "},{"speaker":"Speaker 3","startTime":1163.126,"endTime":1163.285,"body":"are, "},{"speaker":"Speaker 3","startTime":1163.286,"endTime":1163.565,"body":"that "},{"speaker":"Speaker 3","startTime":1163.566,"endTime":1163.765,"body":"are "},{"speaker":"Speaker 3","startTime":1164.065,"endTime":1164.484,"body":"really, "},{"speaker":"Speaker 3","startTime":1164.485,"endTime":1164.765,"body":"really "},{"speaker":"Speaker 3","startTime":1164.795,"endTime":1165.085,"body":"high "},{"speaker":"Speaker 3","startTime":1165.305,"endTime":1165.525,"body":"on "},{"speaker":"Speaker 3","startTime":1165.545,"endTime":1165.765,"body":"top "},{"speaker":"Speaker 3","startTime":1165.766,"endTime":1165.965,"body":"of "},{"speaker":"Speaker 3","startTime":1166.185,"endTime":1166.605,"body":"record, "},{"speaker":"Speaker 3","startTime":1166.675,"endTime":1166.965,"body":"high "},{"speaker":"Speaker 3","startTime":1166.966,"endTime":1167.285,"body":"credit "},{"speaker":"Speaker 3","startTime":1167.286,"endTime":1167.565,"body":"card "},{"speaker":"Speaker 3","startTime":1167.566,"endTime":1168.125,"body":"balances. "},{"speaker":"Speaker 3","startTime":1168.385,"endTime":1168.605,"body":"So "},{"speaker":"Speaker 3","startTime":1168.606,"endTime":1168.765,"body":"it "},{"speaker":"Speaker 3","startTime":1168.766,"endTime":1168.885,"body":"just "},{"speaker":"Speaker 3","startTime":1168.886,"endTime":1169.085,"body":"seems "},{"speaker":"Speaker 3","startTime":1169.086,"endTime":1169.285,"body":"like "},{"speaker":"Speaker 3","startTime":1169.286,"endTime":1169.565,"body":"there's "},{"speaker":"Speaker 3","startTime":1169.566,"endTime":1169.645,"body":"a "},{"speaker":"Speaker 3","startTime":1169.646,"endTime":1169.765,"body":"lot "},{"speaker":"Speaker 3","startTime":1169.766,"endTime":1169.885,"body":"of "},{"speaker":"Speaker 3","startTime":1170.045,"endTime":1170.365,"body":"stressors "},{"speaker":"Speaker 3","startTime":1170.366,"endTime":1170.525,"body":"on "},{"speaker":"Speaker 3","startTime":1170.725,"endTime":1171.045,"body":"consumers "},{"speaker":"Speaker 3","startTime":1171.046,"endTime":1171.325,"body":"balance "},{"speaker":"Speaker 3","startTime":1171.326,"endTime":1171.645,"body":"sheets. "},{"speaker":"Speaker 1","startTime":1171.955,"endTime":1172.244,"body":"Well, "},{"speaker":"Speaker 1","startTime":1172.245,"endTime":1172.365,"body":"and "},{"speaker":"Speaker 1","startTime":1172.366,"endTime":1172.445,"body":"I "},{"speaker":"Speaker 1","startTime":1172.446,"endTime":1172.525,"body":"think "},{"speaker":"Speaker 1","startTime":1172.526,"endTime":1172.765,"body":"you're "},{"speaker":"Speaker 1","startTime":1172.766,"endTime":1172.885,"body":"in "},{"speaker":"Speaker 1","startTime":1172.886,"endTime":1173.045,"body":"for "},{"speaker":"Speaker 1","startTime":1173.046,"endTime":1173.165,"body":"a "},{"speaker":"Speaker 1","startTime":1173.285,"endTime":1173.285,"body":"tree "},{"speaker":"Speaker 1","startTime":1173.315,"endTime":1173.605,"body":"just "},{"speaker":"Speaker 1","startTime":1173.606,"endTime":1173.885,"body":"next "},{"speaker":"Speaker 1","startTime":1173.886,"endTime":1174.125,"body":"month "},{"speaker":"Speaker 1","startTime":1174.315,"endTime":1174.605,"body":"when "},{"speaker":"Speaker 1","startTime":1174.606,"endTime":1174.725,"body":"you "},{"speaker":"Speaker 1","startTime":1174.726,"endTime":1174.925,"body":"come "},{"speaker":"Speaker 1","startTime":1174.926,"endTime":1175.045,"body":"to "},{"speaker":"Speaker 1","startTime":1175.205,"endTime":1175.205,"body":"the "},{"speaker":"Speaker 1","startTime":1175.206,"endTime":1175.645,"body":"symposium. "},{"speaker":"Speaker 1","startTime":1175.646,"endTime":1175.805,"body":"We "},{"speaker":"Speaker 1","startTime":1175.806,"endTime":1175.925,"body":"have "},{"speaker":"Speaker 1","startTime":1175.926,"endTime":1176.005,"body":"a "},{"speaker":"Speaker 1","startTime":1176.006,"endTime":1176.165,"body":"really "},{"speaker":"Speaker 1","startTime":1176.195,"endTime":1176.685,"body":"engaged "},{"speaker":"Speaker 1","startTime":1176.686,"endTime":1176.885,"body":"and "},{"speaker":"Speaker 1","startTime":1176.886,"endTime":1177.285,"body":"excited "},{"speaker":"Speaker 1","startTime":1177.286,"endTime":1177.845,"body":"community, "},{"speaker":"Speaker 1","startTime":1177.846,"endTime":1178.045,"body":"and "},{"speaker":"Speaker 1","startTime":1178.046,"endTime":1178.165,"body":"I "},{"speaker":"Speaker 1","startTime":1178.166,"endTime":1178.244,"body":"know "},{"speaker":"Speaker 1","startTime":1178.245,"endTime":1178.525,"body":"they're "},{"speaker":"Speaker 1","startTime":1178.526,"endTime":1178.605,"body":"gonna "},{"speaker":"Speaker 1","startTime":1178.606,"endTime":1178.765,"body":"be "},{"speaker":"Speaker 1","startTime":1178.795,"endTime":1179.285,"body":"looking "},{"speaker":"Speaker 1","startTime":1179.286,"endTime":1179.645,"body":"forward "},{"speaker":"Speaker 1","startTime":1180.205,"endTime":1180.205,"body":"to "},{"speaker":"Speaker 1","startTime":1180.206,"endTime":1180.405,"body":"hearing "},{"speaker":"Speaker 1","startTime":1180.795,"endTime":1181.085,"body":"more "},{"speaker":"Speaker 1","startTime":1181.086,"endTime":1181.405,"body":"about "},{"speaker":"Speaker 1","startTime":1181.625,"endTime":1181.845,"body":"the "},{"speaker":"Speaker 1","startTime":1182.005,"endTime":1182.205,"body":"research "},{"speaker":"Speaker 1","startTime":1182.206,"endTime":1182.445,"body":"that "},{"speaker":"Speaker 1","startTime":1182.446,"endTime":1182.605,"body":"the "},{"speaker":"Speaker 1","startTime":1182.606,"endTime":1182.805,"body":"Bureau "},{"speaker":"Speaker 1","startTime":1182.984,"endTime":1183.205,"body":"is "},{"speaker":"Speaker 1","startTime":1183.206,"endTime":1183.445,"body":"doing, "},{"speaker":"Speaker 1","startTime":1183.705,"endTime":1183.925,"body":"and "},{"speaker":"Speaker 1","startTime":1184.405,"endTime":1184.405,"body":"we'll "},{"speaker":"Speaker 1","startTime":1184.406,"endTime":1184.484,"body":"be "},{"speaker":"Speaker 1","startTime":1184.485,"endTime":1184.685,"body":"eager "},{"speaker":"Speaker 1","startTime":1184.744,"endTime":1184.965,"body":"to "},{"speaker":"Speaker 1","startTime":1184.966,"endTime":1185.165,"body":"talk "},{"speaker":"Speaker 1","startTime":1185.166,"endTime":1185.285,"body":"to "},{"speaker":"Speaker 1","startTime":1185.286,"endTime":1185.365,"body":"you "},{"speaker":"Speaker 1","startTime":1185.685,"endTime":1185.845,"body":"directly. "},{"speaker":"Speaker 1","startTime":1185.945,"endTime":1186.165,"body":"So "},{"speaker":"Speaker 1","startTime":1186.415,"endTime":1186.765,"body":"we're "},{"speaker":"Speaker 1","startTime":1186.766,"endTime":1187.005,"body":"really "},{"speaker":"Speaker 1","startTime":1187.244,"endTime":1187.365,"body":"thrilled "},{"speaker":"Speaker 1","startTime":1187.366,"endTime":1187.565,"body":"that "},{"speaker":"Speaker 1","startTime":1187.566,"endTime":1187.805,"body":"you're "},{"speaker":"Speaker 1","startTime":1187.806,"endTime":1187.925,"body":"gonna "},{"speaker":"Speaker 1","startTime":1187.926,"endTime":1188.085,"body":"make "},{"speaker":"Speaker 1","startTime":1188.086,"endTime":1188.205,"body":"it. "},{"speaker":"Speaker 3","startTime":1188.665,"endTime":1188.885,"body":"I'm "},{"speaker":"Speaker 3","startTime":1188.886,"endTime":1189.165,"body":"excited "},{"speaker":"Speaker 3","startTime":1189.166,"endTime":1189.365,"body":"to "},{"speaker":"Speaker 3","startTime":1189.366,"endTime":1189.605,"body":"share "},{"speaker":"Speaker 3","startTime":1189.606,"endTime":1189.805,"body":"and "},{"speaker":"Speaker 3","startTime":1189.806,"endTime":1190.005,"body":"I'm, "},{"speaker":"Speaker 3","startTime":1190.065,"endTime":1190.285,"body":"I'm "},{"speaker":"Speaker 3","startTime":1190.286,"endTime":1190.565,"body":"excited "},{"speaker":"Speaker 3","startTime":1190.566,"endTime":1190.725,"body":"to "},{"speaker":"Speaker 3","startTime":1190.726,"endTime":1190.925,"body":"learn "},{"speaker":"Speaker 3","startTime":1190.926,"endTime":1191.085,"body":"at "},{"speaker":"Speaker 3","startTime":1191.086,"endTime":1191.205,"body":"that "},{"speaker":"Speaker 3","startTime":1191.206,"endTime":1191.445,"body":"event. "},{"speaker":"Speaker 3","startTime":1191.545,"endTime":1191.765,"body":"So "},{"speaker":"Speaker 3","startTime":1191.766,"endTime":1191.925,"body":"thanks "},{"speaker":"Speaker 3","startTime":1191.926,"endTime":1192.125,"body":"for "},{"speaker":"Speaker 3","startTime":1192.126,"endTime":1192.285,"body":"having "},{"speaker":"Speaker 3","startTime":1192.286,"endTime":1192.484,"body":"me. "},{"speaker":"Speaker 1","startTime":1192.635,"endTime":1192.925,"body":"Yeah, "},{"speaker":"Speaker 1","startTime":1193.244,"endTime":1193.565,"body":"absolutely. "},{"speaker":"Speaker 1","startTime":1193.665,"endTime":1194.085,"body":"Thanks "},{"speaker":"Speaker 1","startTime":1194.086,"endTime":1194.285,"body":"for "},{"speaker":"Speaker 1","startTime":1194.286,"endTime":1194.484,"body":"coming "},{"speaker":"Speaker 1","startTime":1194.505,"endTime":1194.725,"body":"on "},{"speaker":"Speaker 1","startTime":1194.726,"endTime":1194.965,"body":"today. "},{"speaker":"Speaker 1","startTime":1195.145,"endTime":1195.365,"body":"It "},{"speaker":"Speaker 3","startTime":1195.365,"endTime":1195.445,"body":"Was "},{"speaker":"Speaker 3","startTime":1195.446,"endTime":1195.605,"body":"my "},{"speaker":"Speaker 3","startTime":1195.845,"endTime":1195.965,"body":"pleasure. "},{"speaker":"Speaker 3","startTime":1196.155,"endTime":1196.445,"body":"Mary, "},{"speaker":"Speaker 1","startTime":1196.505,"endTime":1196.725,"body":"I'm "},{"speaker":"Speaker 1","startTime":1196.726,"endTime":1196.845,"body":"really "},{"speaker":"Speaker 1","startTime":1196.846,"endTime":1197.244,"body":"looking "},{"speaker":"Speaker 1","startTime":1197.245,"endTime":1197.605,"body":"forward "},{"speaker":"Speaker 1","startTime":1197.945,"endTime":1198.165,"body":"to "},{"speaker":"Speaker 1","startTime":1198.425,"endTime":1198.845,"body":"John's "},{"speaker":"Speaker 1","startTime":1199.125,"endTime":1199.125,"body":"session "},{"speaker":"Speaker 1","startTime":1199.385,"endTime":1199.605,"body":"at "},{"speaker":"Speaker 1","startTime":1199.606,"endTime":1199.725,"body":"the "},{"speaker":"Speaker 1","startTime":1199.805,"endTime":1200.525,"body":"A-F-C-P-E "},{"speaker":"Speaker 1","startTime":1200.526,"endTime":1201.125,"body":"Symposium "},{"speaker":"Speaker 1","startTime":1201.126,"endTime":1201.405,"body":"this "},{"speaker":"Speaker 1","startTime":1201.406,"endTime":1201.525,"body":"year. "},{"speaker":"Speaker 1","startTime":1201.845,"endTime":1201.965,"body":"I "},{"speaker":"Speaker 1","startTime":1201.966,"endTime":1202.045,"body":"think "},{"speaker":"Speaker 1","startTime":1202.046,"endTime":1202.325,"body":"it's "},{"speaker":"Speaker 1","startTime":1202.326,"endTime":1202.525,"body":"really "},{"speaker":"Speaker 1","startTime":1202.526,"endTime":1203.045,"body":"important "},{"speaker":"Speaker 1","startTime":1203.305,"endTime":1203.525,"body":"for "},{"speaker":"Speaker 1","startTime":1203.665,"endTime":1203.885,"body":"our "},{"speaker":"Speaker 1","startTime":1203.886,"endTime":1204.484,"body":"professionals "},{"speaker":"Speaker 1","startTime":1204.545,"endTime":1204.765,"body":"and "},{"speaker":"Speaker 1","startTime":1204.766,"endTime":1204.925,"body":"our "},{"speaker":"Speaker 1","startTime":1204.926,"endTime":1205.405,"body":"community, "},{"speaker":"Speaker 1","startTime":1205.705,"endTime":1205.925,"body":"you "},{"speaker":"Speaker 1","startTime":1205.926,"endTime":1206.005,"body":"know, "},{"speaker":"Speaker 1","startTime":1206.006,"endTime":1206.205,"body":"to "},{"speaker":"Speaker 1","startTime":1206.206,"endTime":1206.405,"body":"really "},{"speaker":"Speaker 1","startTime":1206.465,"endTime":1206.885,"body":"engage "},{"speaker":"Speaker 1","startTime":1206.886,"endTime":1207.165,"body":"with "},{"speaker":"Speaker 1","startTime":1207.166,"endTime":1207.325,"body":"the "},{"speaker":"Speaker 1","startTime":1208.005,"endTime":1208.005,"body":"CFPB "},{"speaker":"Speaker 1","startTime":1208.005,"endTime":1208.005,"body":", "},{"speaker":"Speaker 1","startTime":1208.025,"endTime":1208.244,"body":"to "},{"speaker":"Speaker 1","startTime":1208.245,"endTime":1208.445,"body":"hear "},{"speaker":"Speaker 1","startTime":1208.446,"endTime":1208.725,"body":"about "},{"speaker":"Speaker 1","startTime":1208.865,"endTime":1209.085,"body":"the "},{"speaker":"Speaker 1","startTime":1209.086,"endTime":1209.285,"body":"work "},{"speaker":"Speaker 1","startTime":1209.315,"endTime":1209.605,"body":"that "},{"speaker":"Speaker 1","startTime":1209.705,"endTime":1209.925,"body":"is "},{"speaker":"Speaker 1","startTime":1209.926,"endTime":1210.165,"body":"going "},{"speaker":"Speaker 1","startTime":1210.225,"endTime":1210.445,"body":"on "},{"speaker":"Speaker 1","startTime":1210.545,"endTime":1210.765,"body":"in "},{"speaker":"Speaker 1","startTime":1210.766,"endTime":1210.925,"body":"the "},{"speaker":"Speaker 1","startTime":1210.926,"endTime":1211.165,"body":"field, "},{"speaker":"Speaker 1","startTime":1211.625,"endTime":1211.845,"body":"to "},{"speaker":"Speaker 1","startTime":1211.846,"endTime":1212.005,"body":"hear "},{"speaker":"Speaker 1","startTime":1212.006,"endTime":1212.244,"body":"about "},{"speaker":"Speaker 1","startTime":1212.245,"endTime":1212.445,"body":"the "},{"speaker":"Speaker 1","startTime":1212.446,"endTime":1212.685,"body":"data "},{"speaker":"Speaker 1","startTime":1212.865,"endTime":1213.085,"body":"and "},{"speaker":"Speaker 1","startTime":1213.086,"endTime":1213.205,"body":"the "},{"speaker":"Speaker 1","startTime":1213.405,"endTime":1213.565,"body":"research "},{"speaker":"Speaker 1","startTime":1213.566,"endTime":1213.845,"body":"that "},{"speaker":"Speaker 1","startTime":1213.846,"endTime":1214.125,"body":"they're "},{"speaker":"Speaker 1","startTime":1214.126,"endTime":1214.285,"body":"doing, "},{"speaker":"Speaker 1","startTime":1214.585,"endTime":1214.805,"body":"the "},{"speaker":"Speaker 1","startTime":1214.806,"endTime":1215.285,"body":"protective "},{"speaker":"Speaker 1","startTime":1215.286,"endTime":1215.685,"body":"measures "},{"speaker":"Speaker 1","startTime":1215.686,"endTime":1215.845,"body":"that "},{"speaker":"Speaker 1","startTime":1215.846,"endTime":1215.965,"body":"they "},{"speaker":"Speaker 1","startTime":1215.966,"endTime":1216.125,"body":"have "},{"speaker":"Speaker 1","startTime":1216.126,"endTime":1216.285,"body":"in "},{"speaker":"Speaker 1","startTime":1216.286,"endTime":1216.605,"body":"place. "},{"speaker":"Speaker 1","startTime":1216.744,"endTime":1216.965,"body":"And "},{"speaker":"Speaker 1","startTime":1217.285,"endTime":1217.445,"body":"to "},{"speaker":"Speaker 1","startTime":1217.446,"endTime":1217.605,"body":"really "},{"speaker":"Speaker 1","startTime":1217.606,"endTime":1218.005,"body":"engage "},{"speaker":"Speaker 1","startTime":1218.135,"endTime":1218.805,"body":"one-on-one "},{"speaker":"Speaker 1","startTime":1218.955,"endTime":1219.244,"body":"with "},{"speaker":"Speaker 1","startTime":1219.245,"endTime":1219.445,"body":"the "},{"speaker":"Speaker 1","startTime":1219.446,"endTime":1219.685,"body":"Bureau. "},{"speaker":"Speaker 1","startTime":1220.035,"endTime":1220.325,"body":"They "},{"speaker":"Speaker 1","startTime":1220.326,"endTime":1220.525,"body":"come "},{"speaker":"Speaker 1","startTime":1220.526,"endTime":1220.845,"body":"every "},{"speaker":"Speaker 1","startTime":1220.846,"endTime":1221.085,"body":"year "},{"speaker":"Speaker 1","startTime":1221.225,"endTime":1221.445,"body":"to "},{"speaker":"Speaker 1","startTime":1221.446,"endTime":1221.765,"body":"provide "},{"speaker":"Speaker 1","startTime":1222.085,"endTime":1222.484,"body":"resources "},{"speaker":"Speaker 1","startTime":1222.705,"endTime":1222.925,"body":"and "},{"speaker":"Speaker 1","startTime":1222.926,"endTime":1223.085,"body":"in "},{"speaker":"Speaker 1","startTime":1223.086,"endTime":1223.244,"body":"terms "},{"speaker":"Speaker 1","startTime":1223.245,"endTime":1223.445,"body":"of "},{"speaker":"Speaker 1","startTime":1223.446,"endTime":1223.605,"body":"their "},{"speaker":"Speaker 1","startTime":1223.885,"endTime":1223.885,"body":"fin "},{"speaker":"Speaker 1","startTime":1224.045,"endTime":1224.045,"body":"Next "},{"speaker":"Speaker 1","startTime":1224.046,"endTime":1224.565,"body":"community, "},{"speaker":"Speaker 1","startTime":1224.645,"endTime":1224.765,"body":"I "},{"speaker":"Speaker 1","startTime":1224.766,"endTime":1224.885,"body":"know "},{"speaker":"Speaker 1","startTime":1224.886,"endTime":1225.165,"body":"they're "},{"speaker":"Speaker 1","startTime":1225.166,"endTime":1225.285,"body":"a "},{"speaker":"Speaker 1","startTime":1225.286,"endTime":1225.445,"body":"great "},{"speaker":"Speaker 1","startTime":1225.446,"endTime":1225.765,"body":"source "},{"speaker":"Speaker 1","startTime":1226.025,"endTime":1226.244,"body":"of "},{"speaker":"Speaker 1","startTime":1226.275,"endTime":1226.885,"body":"knowledge "},{"speaker":"Speaker 1","startTime":1226.886,"endTime":1227.005,"body":"and "},{"speaker":"Speaker 1","startTime":1227.244,"endTime":1227.445,"body":"resource "},{"speaker":"Speaker 1","startTime":1227.625,"endTime":1227.845,"body":"to "},{"speaker":"Speaker 1","startTime":1227.846,"endTime":1228.045,"body":"our "},{"speaker":"Speaker 1","startTime":1228.046,"endTime":1228.525,"body":"community, "},{"speaker":"Speaker 1","startTime":1228.585,"endTime":1228.805,"body":"but "},{"speaker":"Speaker 1","startTime":1228.845,"endTime":1228.965,"body":"I "},{"speaker":"Speaker 1","startTime":1228.966,"endTime":1229.085,"body":"think, "},{"speaker":"Speaker 1","startTime":1229.385,"endTime":1229.605,"body":"you "},{"speaker":"Speaker 1","startTime":1229.606,"endTime":1229.685,"body":"know, "},{"speaker":"Speaker 1","startTime":1229.686,"endTime":1229.925,"body":"going "},{"speaker":"Speaker 1","startTime":1229.926,"endTime":1230.045,"body":"a "},{"speaker":"Speaker 1","startTime":1230.046,"endTime":1230.165,"body":"little "},{"speaker":"Speaker 1","startTime":1230.166,"endTime":1230.285,"body":"bit "},{"speaker":"Speaker 1","startTime":1230.286,"endTime":1230.525,"body":"deeper "},{"speaker":"Speaker 1","startTime":1230.585,"endTime":1230.805,"body":"and "},{"speaker":"Speaker 1","startTime":1230.806,"endTime":1230.965,"body":"hearing "},{"speaker":"Speaker 1","startTime":1230.966,"endTime":1231.244,"body":"about "},{"speaker":"Speaker 1","startTime":1231.315,"endTime":1231.605,"body":"some "},{"speaker":"Speaker 1","startTime":1231.606,"endTime":1231.725,"body":"of "},{"speaker":"Speaker 1","startTime":1231.726,"endTime":1231.845,"body":"the "},{"speaker":"Speaker 1","startTime":1231.846,"endTime":1232.205,"body":"trends "},{"speaker":"Speaker 1","startTime":1232.205,"endTime":1232.205,"body":", "},{"speaker":"Speaker 1","startTime":1232.685,"endTime":1232.685,"body":"uh, "},{"speaker":"Speaker 1","startTime":1232.705,"endTime":1232.925,"body":"is "},{"speaker":"Speaker 1","startTime":1232.926,"endTime":1233.045,"body":"gonna "},{"speaker":"Speaker 1","startTime":1233.046,"endTime":1233.165,"body":"be "},{"speaker":"Speaker 1","startTime":1233.166,"endTime":1233.365,"body":"really "},{"speaker":"Speaker 1","startTime":1233.366,"endTime":1233.765,"body":"important. "},{"speaker":"Speaker 1","startTime":1234.065,"endTime":1234.285,"body":"One "},{"speaker":"Speaker 1","startTime":1234.286,"endTime":1234.365,"body":"of "},{"speaker":"Speaker 1","startTime":1234.366,"endTime":1234.445,"body":"the "},{"speaker":"Speaker 1","startTime":1234.446,"endTime":1234.565,"body":"things "},{"speaker":"Speaker 1","startTime":1234.605,"endTime":1234.725,"body":"I "},{"speaker":"Speaker 1","startTime":1234.726,"endTime":1234.925,"body":"really "},{"speaker":"Speaker 1","startTime":1234.926,"endTime":1235.205,"body":"liked "},{"speaker":"Speaker 1","startTime":1235.805,"endTime":1235.805,"body":"about "},{"speaker":"Speaker 1","startTime":1236.125,"endTime":1236.125,"body":"John "},{"speaker":"Speaker 1","startTime":1236.125,"endTime":1236.125,"body":", "},{"speaker":"Speaker 1","startTime":1236.385,"endTime":1236.605,"body":"his "},{"speaker":"Speaker 1","startTime":1236.606,"endTime":1236.965,"body":"history "},{"speaker":"Speaker 1","startTime":1237.025,"endTime":1237.244,"body":"is "},{"speaker":"Speaker 1","startTime":1237.245,"endTime":1237.445,"body":"really "},{"speaker":"Speaker 1","startTime":1237.805,"endTime":1238.085,"body":"interesting. "},{"speaker":"Speaker 1","startTime":1238.225,"endTime":1238.445,"body":"You "},{"speaker":"Speaker 1","startTime":1238.446,"endTime":1238.525,"body":"know, "},{"speaker":"Speaker 1","startTime":1238.665,"endTime":1238.885,"body":"he "},{"speaker":"Speaker 1","startTime":1239.005,"endTime":1239.005,"body":"is "},{"speaker":"Speaker 1","startTime":1239.215,"endTime":1239.565,"body":"boots "},{"speaker":"Speaker 1","startTime":1239.585,"endTime":1239.805,"body":"on "},{"speaker":"Speaker 1","startTime":1239.806,"endTime":1239.925,"body":"the "},{"speaker":"Speaker 1","startTime":1239.926,"endTime":1240.165,"body":"ground "},{"speaker":"Speaker 1","startTime":1240.565,"endTime":1240.565,"body":"in "},{"speaker":"Speaker 1","startTime":1240.566,"endTime":1240.765,"body":"the, "},{"speaker":"Speaker 1","startTime":1240.965,"endTime":1240.965,"body":"in "},{"speaker":"Speaker 1","startTime":1240.966,"endTime":1241.125,"body":"the "},{"speaker":"Speaker 1","startTime":1241.126,"endTime":1241.325,"body":"debt "},{"speaker":"Speaker 1","startTime":1241.326,"endTime":1241.845,"body":"collection "},{"speaker":"Speaker 1","startTime":1242.765,"endTime":1242.965,"body":"industry, "},{"speaker":"Speaker 1","startTime":1243.185,"endTime":1243.405,"body":"but "},{"speaker":"Speaker 1","startTime":1243.425,"endTime":1243.645,"body":"he "},{"speaker":"Speaker 1","startTime":1243.646,"endTime":1243.925,"body":"also, "},{"speaker":"Speaker 1","startTime":1244.045,"endTime":1244.165,"body":"I "},{"speaker":"Speaker 1","startTime":1244.166,"endTime":1244.365,"body":"really "},{"speaker":"Speaker 1","startTime":1244.395,"endTime":1244.685,"body":"like "},{"speaker":"Speaker 1","startTime":1244.825,"endTime":1245.045,"body":"his "},{"speaker":"Speaker 1","startTime":1245.355,"endTime":1245.645,"body":"lens "},{"speaker":"Speaker 1","startTime":1245.785,"endTime":1246.005,"body":"of "},{"speaker":"Speaker 1","startTime":1246.006,"endTime":1246.565,"body":"preserving "},{"speaker":"Speaker 1","startTime":1246.566,"endTime":1246.725,"body":"the "},{"speaker":"Speaker 1","startTime":1246.726,"endTime":1246.925,"body":"dignity "},{"speaker":"Speaker 1","startTime":1247.185,"endTime":1247.405,"body":"of "},{"speaker":"Speaker 1","startTime":1247.685,"endTime":1248.045,"body":"consumers. "},{"speaker":"Speaker 1","startTime":1248.145,"endTime":1248.365,"body":"And "},{"speaker":"Speaker 1","startTime":1248.405,"endTime":1248.525,"body":"I "},{"speaker":"Speaker 1","startTime":1248.526,"endTime":1248.605,"body":"think "},{"speaker":"Speaker 1","startTime":1248.606,"endTime":1248.845,"body":"that "},{"speaker":"Speaker 1","startTime":1248.846,"endTime":1249.085,"body":"really "},{"speaker":"Speaker 1","startTime":1249.365,"endTime":1249.685,"body":"resonates "},{"speaker":"Speaker 1","startTime":1249.686,"endTime":1249.845,"body":"with "},{"speaker":"Speaker 1","startTime":1249.846,"endTime":1249.965,"body":"the "},{"speaker":"Speaker 1","startTime":1249.966,"endTime":1250.125,"body":"work "},{"speaker":"Speaker 1","startTime":1250.126,"endTime":1250.405,"body":"that "},{"speaker":"Speaker 1","startTime":1250.425,"endTime":1250.645,"body":"our "},{"speaker":"Speaker 1","startTime":1250.646,"endTime":1251.165,"body":"community "},{"speaker":"Speaker 1","startTime":1251.166,"endTime":1251.445,"body":"does. "},{"speaker":"Speaker 1","startTime":1251.825,"endTime":1252.045,"body":"It "},{"speaker":"Speaker 1","startTime":1252.165,"endTime":1252.165,"body":"will "},{"speaker":"Speaker 1","startTime":1252.166,"endTime":1252.285,"body":"be "},{"speaker":"Speaker 1","startTime":1252.286,"endTime":1252.445,"body":"really "},{"speaker":"Speaker 1","startTime":1252.765,"endTime":1253.005,"body":"interesting "},{"speaker":"Speaker 1","startTime":1253.105,"endTime":1253.325,"body":"to "},{"speaker":"Speaker 1","startTime":1253.355,"endTime":1253.645,"body":"kind "},{"speaker":"Speaker 1","startTime":1253.646,"endTime":1253.765,"body":"of "},{"speaker":"Speaker 1","startTime":1254.035,"endTime":1254.325,"body":"hear "},{"speaker":"Speaker 1","startTime":1254.326,"endTime":1254.605,"body":"about "},{"speaker":"Speaker 1","startTime":1254.725,"endTime":1254.845,"body":"a "},{"speaker":"Speaker 1","startTime":1254.846,"endTime":1254.925,"body":"lot "},{"speaker":"Speaker 1","startTime":1254.926,"endTime":1255.045,"body":"of "},{"speaker":"Speaker 1","startTime":1255.046,"endTime":1255.205,"body":"these "},{"speaker":"Speaker 1","startTime":1255.206,"endTime":1255.445,"body":"things "},{"speaker":"Speaker 1","startTime":1255.665,"endTime":1255.885,"body":"at "},{"speaker":"Speaker 1","startTime":1255.905,"endTime":1256.125,"body":"the "},{"speaker":"Speaker 1","startTime":1256.155,"endTime":1256.765,"body":"symposium "},{"speaker":"Speaker 1","startTime":1256.766,"endTime":1257.005,"body":"this "},{"speaker":"Speaker 1","startTime":1257.205,"endTime":1257.365,"body":"November. "},{"speaker":"Speaker 2","startTime":1257.805,"endTime":1257.925,"body":"I "},{"speaker":"Speaker 2","startTime":1257.926,"endTime":1258.165,"body":"agree. "},{"speaker":"Speaker 2","startTime":1258.365,"endTime":1258.484,"body":"I "},{"speaker":"Speaker 2","startTime":1258.485,"endTime":1259.005,"body":"appreciate "},{"speaker":"Speaker 2","startTime":1259.265,"endTime":1259.685,"body":"John's "},{"speaker":"Speaker 2","startTime":1259.686,"endTime":1260.325,"body":"transparency. "},{"speaker":"Speaker 2","startTime":1260.765,"endTime":1260.965,"body":"Honestly, "},{"speaker":"Speaker 2","startTime":1261.405,"endTime":1261.525,"body":"I "},{"speaker":"Speaker 2","startTime":1261.526,"endTime":1261.645,"body":"feel "},{"speaker":"Speaker 2","startTime":1261.646,"endTime":1261.765,"body":"like "},{"speaker":"Speaker 2","startTime":1261.766,"endTime":1262.045,"body":"he's "},{"speaker":"Speaker 2","startTime":1262.046,"endTime":1262.244,"body":"very "},{"speaker":"Speaker 2","startTime":1262.675,"endTime":1263.285,"body":"reachable. "},{"speaker":"Speaker 2","startTime":1263.555,"endTime":1263.845,"body":"It's "},{"speaker":"Speaker 2","startTime":1263.846,"endTime":1264.244,"body":"trying "},{"speaker":"Speaker 2","startTime":1264.245,"endTime":1264.405,"body":"to "},{"speaker":"Speaker 2","startTime":1264.406,"endTime":1264.525,"body":"do "},{"speaker":"Speaker 2","startTime":1264.526,"endTime":1264.725,"body":"the "},{"speaker":"Speaker 2","startTime":1264.726,"endTime":1264.925,"body":"best "},{"speaker":"Speaker 2","startTime":1264.984,"endTime":1265.205,"body":"he "},{"speaker":"Speaker 2","startTime":1265.285,"endTime":1265.445,"body":"can "},{"speaker":"Speaker 2","startTime":1265.585,"endTime":1265.805,"body":"and "},{"speaker":"Speaker 2","startTime":1265.806,"endTime":1266.085,"body":"have "},{"speaker":"Speaker 2","startTime":1266.145,"endTime":1266.365,"body":"as "},{"speaker":"Speaker 2","startTime":1266.366,"endTime":1266.605,"body":"much "},{"speaker":"Speaker 2","startTime":1266.655,"endTime":1267.005,"body":"boots "},{"speaker":"Speaker 2","startTime":1267.006,"endTime":1267.205,"body":"on "},{"speaker":"Speaker 2","startTime":1267.206,"endTime":1267.325,"body":"the "},{"speaker":"Speaker 2","startTime":1267.326,"endTime":1267.484,"body":"ground "},{"speaker":"Speaker 2","startTime":1267.625,"endTime":1267.845,"body":"as "},{"speaker":"Speaker 2","startTime":1267.846,"endTime":1268.045,"body":"he "},{"speaker":"Speaker 2","startTime":1268.046,"endTime":1268.325,"body":"mentioned, "},{"speaker":"Speaker 2","startTime":1268.465,"endTime":1268.685,"body":"to "},{"speaker":"Speaker 2","startTime":1268.686,"endTime":1268.845,"body":"be "},{"speaker":"Speaker 2","startTime":1268.846,"endTime":1268.965,"body":"able "},{"speaker":"Speaker 2","startTime":1268.966,"endTime":1269.045,"body":"to "},{"speaker":"Speaker 2","startTime":1269.046,"endTime":1269.165,"body":"help. "},{"speaker":"Speaker 2","startTime":1269.225,"endTime":1269.445,"body":"And "},{"speaker":"Speaker 2","startTime":1269.446,"endTime":1269.565,"body":"I "},{"speaker":"Speaker 2","startTime":1269.566,"endTime":1270.045,"body":"appreciate "},{"speaker":"Speaker 2","startTime":1270.046,"endTime":1270.205,"body":"that "},{"speaker":"Speaker 2","startTime":1270.206,"endTime":1270.725,"body":"government "},{"speaker":"Speaker 2","startTime":1271.205,"endTime":1271.205,"body":"agencies "},{"speaker":"Speaker 2","startTime":1271.234,"endTime":1271.525,"body":"open "},{"speaker":"Speaker 2","startTime":1271.526,"endTime":1271.725,"body":"and "},{"speaker":"Speaker 2","startTime":1271.726,"endTime":1271.965,"body":"willing "},{"speaker":"Speaker 2","startTime":1271.966,"endTime":1272.165,"body":"to "},{"speaker":"Speaker 2","startTime":1272.166,"endTime":1272.365,"body":"listen "},{"speaker":"Speaker 2","startTime":1272.505,"endTime":1272.725,"body":"to "},{"speaker":"Speaker 2","startTime":1273.405,"endTime":1273.725,"body":"consumers "},{"speaker":"Speaker 2","startTime":1273.965,"endTime":1273.965,"body":"and "},{"speaker":"Speaker 2","startTime":1273.966,"endTime":1274.165,"body":"really "},{"speaker":"Speaker 2","startTime":1274.185,"endTime":1274.405,"body":"the "},{"speaker":"Speaker 2","startTime":1274.406,"endTime":1274.885,"body":"day-to-Day "},{"speaker":"Speaker 2","startTime":1275.205,"endTime":1275.565,"body":"struggles "},{"speaker":"Speaker 2","startTime":1276.155,"endTime":1276.445,"body":"that "},{"speaker":"Speaker 2","startTime":1277.205,"endTime":1277.205,"body":"everyday "},{"speaker":"Speaker 2","startTime":1277.445,"endTime":1277.725,"body":"consumers "},{"speaker":"Speaker 2","startTime":1277.726,"endTime":1277.925,"body":"are "},{"speaker":"Speaker 2","startTime":1277.926,"endTime":1278.125,"body":"going "},{"speaker":"Speaker 2","startTime":1278.126,"endTime":1278.325,"body":"through. "},{"speaker":"Speaker 2","startTime":1278.765,"endTime":1278.885,"body":"I "},{"speaker":"Speaker 2","startTime":1278.915,"endTime":1279.205,"body":"also "},{"speaker":"Speaker 2","startTime":1279.475,"endTime":1279.765,"body":"look "},{"speaker":"Speaker 2","startTime":1279.766,"endTime":1280.005,"body":"forward "},{"speaker":"Speaker 2","startTime":1280.006,"endTime":1280.205,"body":"to "},{"speaker":"Speaker 2","startTime":1280.206,"endTime":1280.405,"body":"hearing "},{"speaker":"Speaker 2","startTime":1280.575,"endTime":1280.925,"body":"about "},{"speaker":"Speaker 2","startTime":1280.926,"endTime":1281.085,"body":"the "},{"speaker":"Speaker 2","startTime":1281.365,"endTime":1281.605,"body":"resources. "},{"speaker":"Speaker 2","startTime":1281.606,"endTime":1281.805,"body":"You "},{"speaker":"Speaker 2","startTime":1281.806,"endTime":1281.885,"body":"know, "},{"speaker":"Speaker 2","startTime":1282.085,"endTime":1282.085,"body":"you "},{"speaker":"Speaker 2","startTime":1282.205,"endTime":1282.205,"body":"give "},{"speaker":"Speaker 2","startTime":1282.206,"endTime":1282.285,"body":"us "},{"speaker":"Speaker 2","startTime":1282.365,"endTime":1282.484,"body":"a "},{"speaker":"Speaker 2","startTime":1282.485,"endTime":1282.605,"body":"very "},{"speaker":"Speaker 2","startTime":1282.606,"endTime":1282.885,"body":"high "},{"speaker":"Speaker 2","startTime":1282.886,"endTime":1283.165,"body":"level "},{"speaker":"Speaker 2","startTime":1283.465,"endTime":1283.685,"body":"of "},{"speaker":"Speaker 2","startTime":1283.686,"endTime":1283.925,"body":"maybe "},{"speaker":"Speaker 2","startTime":1284.045,"endTime":1284.285,"body":"some "},{"speaker":"Speaker 2","startTime":1284.286,"endTime":1284.405,"body":"ways "},{"speaker":"Speaker 2","startTime":1284.406,"endTime":1284.565,"body":"to "},{"speaker":"Speaker 2","startTime":1284.566,"endTime":1284.765,"body":"reach "},{"speaker":"Speaker 2","startTime":1284.766,"endTime":1284.965,"body":"out. "},{"speaker":"Speaker 2","startTime":1285.105,"endTime":1285.325,"body":"And "},{"speaker":"Speaker 2","startTime":1285.385,"endTime":1285.605,"body":"I'm "},{"speaker":"Speaker 2","startTime":1285.606,"endTime":1285.725,"body":"looking "},{"speaker":"Speaker 2","startTime":1285.726,"endTime":1285.965,"body":"forward "},{"speaker":"Speaker 2","startTime":1285.966,"endTime":1286.085,"body":"to, "},{"speaker":"Speaker 2","startTime":1286.086,"endTime":1286.244,"body":"in "},{"speaker":"Speaker 2","startTime":1286.245,"endTime":1286.405,"body":"the "},{"speaker":"Speaker 2","startTime":1286.406,"endTime":1286.845,"body":"symposium, "},{"speaker":"Speaker 2","startTime":1286.846,"endTime":1287.005,"body":"maybe "},{"speaker":"Speaker 2","startTime":1287.006,"endTime":1287.244,"body":"getting "},{"speaker":"Speaker 2","startTime":1287.285,"endTime":1287.405,"body":"a "},{"speaker":"Speaker 2","startTime":1287.406,"endTime":1287.484,"body":"little "},{"speaker":"Speaker 2","startTime":1287.485,"endTime":1287.685,"body":"more "},{"speaker":"Speaker 2","startTime":1287.965,"endTime":1288.165,"body":"tactical "},{"speaker":"Speaker 2","startTime":1288.685,"endTime":1288.685,"body":"and "},{"speaker":"Speaker 2","startTime":1288.686,"endTime":1288.885,"body":"getting "},{"speaker":"Speaker 2","startTime":1288.886,"endTime":1289.165,"body":"some "},{"speaker":"Speaker 2","startTime":1289.166,"endTime":1289.445,"body":"direct "},{"speaker":"Speaker 2","startTime":1289.725,"endTime":1290.045,"body":"resources "},{"speaker":"Speaker 2","startTime":1290.046,"endTime":1290.325,"body":"that "},{"speaker":"Speaker 2","startTime":1290.345,"endTime":1290.565,"body":"you "},{"speaker":"Speaker 2","startTime":1290.665,"endTime":1290.885,"body":"can "},{"speaker":"Speaker 2","startTime":1291.045,"endTime":1291.045,"body":"put "},{"speaker":"Speaker 2","startTime":1291.205,"endTime":1291.205,"body":"into "},{"speaker":"Speaker 2","startTime":1291.206,"endTime":1291.405,"body":"play "},{"speaker":"Speaker 2","startTime":1291.505,"endTime":1291.725,"body":"as "},{"speaker":"Speaker 2","startTime":1291.726,"endTime":1292.285,"body":"financial "},{"speaker":"Speaker 2","startTime":1292.286,"endTime":1292.765,"body":"professionals "},{"speaker":"Speaker 2","startTime":1292.766,"endTime":1293.045,"body":"with "},{"speaker":"Speaker 2","startTime":1293.046,"endTime":1293.205,"body":"your "},{"speaker":"Speaker 2","startTime":1293.206,"endTime":1293.484,"body":"clients. "},{"speaker":"Speaker 2","startTime":1293.865,"endTime":1294.085,"body":"We "},{"speaker":"Speaker 2","startTime":1294.086,"endTime":1294.244,"body":"hope "},{"speaker":"Speaker 2","startTime":1294.245,"endTime":1294.405,"body":"to "},{"speaker":"Speaker 2","startTime":1294.406,"endTime":1294.565,"body":"see "},{"speaker":"Speaker 2","startTime":1294.566,"endTime":1294.685,"body":"you "},{"speaker":"Speaker 2","startTime":1294.686,"endTime":1294.925,"body":"soon "},{"speaker":"Speaker 2","startTime":1294.926,"endTime":1295.165,"body":"this "},{"speaker":"Speaker 2","startTime":1295.166,"endTime":1295.325,"body":"year "},{"speaker":"Speaker 2","startTime":1295.505,"endTime":1295.725,"body":"at "},{"speaker":"Speaker 2","startTime":1295.845,"endTime":1296.125,"body":"AF "},{"speaker":"Speaker 2","startTime":1296.765,"endTime":1296.765,"body":"CPE's "},{"speaker":"Speaker 2","startTime":1296.766,"endTime":1297.285,"body":"Symposium "},{"speaker":"Speaker 2","startTime":1297.345,"endTime":1297.565,"body":"in "},{"speaker":"Speaker 2","startTime":1297.566,"endTime":1297.765,"body":"New "},{"speaker":"Speaker 2","startTime":1297.766,"endTime":1297.925,"body":"Orleans. "}]}