{"version":"1.0.0","segments":[{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Welcome"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"to"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Real"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Money,"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Real"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Experts,"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"a"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"podcast"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"where"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"leading"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"financial"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"counseling"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"and"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"coaching"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"experts"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"share"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"their"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"stories,"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"their"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"challenges,"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"and"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"their"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"advice"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"for"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"helping"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"people"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"manage"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"money"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"in"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"the"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"real"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"world."},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"I'm"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"your"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"host,"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Rebecca"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Wiggins,"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Executive"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Director"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"of"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"the"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Association"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"for"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Financial"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Counseling"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"and"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Planning"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Education®"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"or"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"AFCPE®."},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"And"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"I'm"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"your"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"cohost,"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Dr."},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Mary"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Bell"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Carlson."},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"I'm"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"an"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Accredited"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Financial"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Counselor®,"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"or"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"AFC®,"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"and"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"the"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"CEO"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"of"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Chief"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Financial"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Mom."},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Every"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"episode,"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"we're"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"taking"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"a"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"deep"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"dive"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"into"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"the"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"topics"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"that"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"personal"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"finance"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"professionals"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"care"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"about:"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"helping"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"clients,"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"building"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"community"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"and"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"your"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"professional"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"growth."},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Welcome"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"everyone"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"to"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"the"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Real"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Money,"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Real"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Experts"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"podcast."},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"I'm"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Rebecca."},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"This"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"is"},{"speaker":"Intro","startTime":2.97,"endTime":3.36,"body":"Mary."},{"speaker":"Dr. Mary Bell Carlson","startTime":50.75,"endTime":51.02,"body":"Thanks"},{"speaker":"Dr. Mary Bell Carlson","startTime":51.021,"endTime":51.14,"body":"for"},{"speaker":"Dr. Mary Bell Carlson","startTime":51.141,"endTime":51.38,"body":"taking"},{"speaker":"Dr. Mary Bell Carlson","startTime":51.381,"endTime":51.47,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":51.471,"endTime":51.65,"body":"time"},{"speaker":"Dr. Mary Bell Carlson","startTime":51.651,"endTime":51.77,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":51.771,"endTime":51.98,"body":"join"},{"speaker":"Dr. Mary Bell Carlson","startTime":51.981,"endTime":52.13,"body":"us"},{"speaker":"Dr. Mary Bell Carlson","startTime":52.131,"endTime":52.42,"body":"today."},{"speaker":"Rebecca Wiggins","startTime":52.421,"endTime":52.67,"body":"Today"},{"speaker":"Rebecca Wiggins","startTime":52.93,"endTime":53.03,"body":"on"},{"speaker":"Rebecca Wiggins","startTime":53.031,"endTime":53.09,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":53.091,"endTime":53.45,"body":"show"},{"speaker":"Rebecca Wiggins","startTime":53.451,"endTime":53.57,"body":"we"},{"speaker":"Rebecca Wiggins","startTime":53.571,"endTime":53.9,"body":"are"},{"speaker":"Rebecca Wiggins","startTime":53.901,"endTime":54.05,"body":"talking"},{"speaker":"Rebecca Wiggins","startTime":54.051,"endTime":54.41,"body":"with"},{"speaker":"Rebecca Wiggins","startTime":54.411,"endTime":55.01,"body":"Rod"},{"speaker":"Rebecca Wiggins","startTime":55.07,"endTime":55.46,"body":"Griffin."},{"speaker":"Rebecca Wiggins","startTime":55.461,"endTime":55.61,"body":"Rod"},{"speaker":"Rebecca Wiggins","startTime":55.611,"endTime":55.73,"body":"is"},{"speaker":"Rebecca Wiggins","startTime":55.731,"endTime":56.06,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":56.061,"endTime":56.48,"body":"Senior"},{"speaker":"Rebecca Wiggins","startTime":56.481,"endTime":56.6,"body":"Director"},{"speaker":"Rebecca Wiggins","startTime":56.601,"endTime":57.11,"body":"of"},{"speaker":"Rebecca Wiggins","startTime":57.111,"endTime":57.83,"body":"Consumer"},{"speaker":"Rebecca Wiggins","startTime":57.831,"endTime":57.98,"body":"Education"},{"speaker":"Rebecca Wiggins","startTime":57.981,"endTime":58.67,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":58.671,"endTime":58.88,"body":"Advocacy"},{"speaker":"Rebecca Wiggins","startTime":58.881,"endTime":59.72,"body":"for"},{"speaker":"Rebecca Wiggins","startTime":59.75,"endTime":60.05,"body":"Experian,"},{"speaker":"Rebecca Wiggins","startTime":60.051,"endTime":60.35,"body":"where"},{"speaker":"Rebecca Wiggins","startTime":60.351,"endTime":61.13,"body":"he"},{"speaker":"Rebecca Wiggins","startTime":61.131,"endTime":61.31,"body":"is"},{"speaker":"Rebecca Wiggins","startTime":61.311,"endTime":62.03,"body":"responsible"},{"speaker":"Rebecca Wiggins","startTime":62.06,"endTime":62.66,"body":"for"},{"speaker":"Rebecca Wiggins","startTime":62.661,"endTime":63.17,"body":"Experian’s"},{"speaker":"Rebecca Wiggins","startTime":63.171,"endTime":63.71,"body":"national"},{"speaker":"Rebecca Wiggins","startTime":63.711,"endTime":64.31,"body":"consumer"},{"speaker":"Rebecca Wiggins","startTime":64.311,"endTime":64.49,"body":"education"},{"speaker":"Rebecca Wiggins","startTime":64.491,"endTime":65.12,"body":"programs"},{"speaker":"Rebecca Wiggins","startTime":65.54,"endTime":65.87,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":65.871,"endTime":66.23,"body":"outreach."},{"speaker":"Rebecca Wiggins","startTime":66.231,"endTime":66.44,"body":"Rod"},{"speaker":"Rebecca Wiggins","startTime":66.441,"endTime":67.01,"body":"is"},{"speaker":"Rebecca Wiggins","startTime":67.011,"endTime":67.79,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":67.791,"endTime":68.0,"body":"well"},{"speaker":"Rebecca Wiggins","startTime":68.001,"endTime":68.48,"body":"known"},{"speaker":"Rebecca Wiggins","startTime":68.481,"endTime":69.02,"body":"spokesperson"},{"speaker":"Rebecca Wiggins","startTime":69.021,"endTime":69.74,"body":"on"},{"speaker":"Rebecca Wiggins","startTime":69.741,"endTime":70.07,"body":"consumer"},{"speaker":"Rebecca Wiggins","startTime":70.071,"endTime":70.4,"body":"issues,"},{"speaker":"Rebecca Wiggins","startTime":70.401,"endTime":71.06,"body":"(particularly"},{"speaker":"Rebecca Wiggins","startTime":71.061,"endTime":71.42,"body":"on"},{"speaker":"Rebecca Wiggins","startTime":71.421,"endTime":71.99,"body":"credit"},{"speaker":"Rebecca Wiggins","startTime":71.991,"endTime":72.17,"body":"reporting,"},{"speaker":"Rebecca Wiggins","startTime":72.171,"endTime":72.65,"body":"credit"},{"speaker":"Rebecca Wiggins","startTime":72.651,"endTime":73.1,"body":"scoring"},{"speaker":"Rebecca Wiggins","startTime":73.46,"endTime":73.73,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":73.731,"endTime":73.91,"body":"identity"},{"speaker":"Rebecca Wiggins","startTime":73.911,"endTime":74.03,"body":"theft)."},{"speaker":"Rebecca Wiggins","startTime":73.911,"endTime":74.03,"body":"One"},{"speaker":"Rebecca Wiggins","startTime":73.911,"endTime":74.03,"body":"thing"},{"speaker":"Rebecca Wiggins","startTime":73.911,"endTime":74.03,"body":"you"},{"speaker":"Rebecca Wiggins","startTime":74.031,"endTime":74.27,"body":"may"},{"speaker":"Rebecca Wiggins","startTime":74.781,"endTime":74.96,"body":"not"},{"speaker":"Rebecca Wiggins","startTime":74.961,"endTime":75.08,"body":"know"},{"speaker":"Rebecca Wiggins","startTime":75.081,"endTime":75.2,"body":"that"},{"speaker":"Rebecca Wiggins","startTime":75.201,"endTime":75.35,"body":"he"},{"speaker":"Rebecca Wiggins","startTime":75.351,"endTime":75.74,"body":"is"},{"speaker":"Rebecca Wiggins","startTime":75.741,"endTime":75.89,"body":"also"},{"speaker":"Rebecca Wiggins","startTime":75.92,"endTime":76.7,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":76.701,"endTime":76.97,"body":"co-author"},{"speaker":"Rebecca Wiggins","startTime":76.971,"endTime":77.06,"body":"of"},{"speaker":"Rebecca Wiggins","startTime":76.971,"endTime":77.06,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":77.061,"endTime":77.42,"body":"“Credit"},{"speaker":"Rebecca Wiggins","startTime":77.421,"endTime":77.81,"body":"Repair"},{"speaker":"Rebecca Wiggins","startTime":77.811,"endTime":78.05,"body":"Kit"},{"speaker":"Rebecca Wiggins","startTime":78.051,"endTime":78.2,"body":"for"},{"speaker":"Rebecca Wiggins","startTime":78.201,"endTime":78.65,"body":"Dummies"},{"speaker":"Rebecca Wiggins","startTime":78.651,"endTime":78.77,"body":"–"},{"speaker":"Rebecca Wiggins","startTime":78.771,"endTime":78.98,"body":"5th"},{"speaker":"Rebecca Wiggins","startTime":78.981,"endTime":79.49,"body":"edition”"},{"speaker":"Rebecca Wiggins","startTime":79.491,"endTime":79.7,"body":"from"},{"speaker":"Rebecca Wiggins","startTime":79.701,"endTime":80.03,"body":"Wylie"},{"speaker":"Rebecca Wiggins","startTime":80.031,"endTime":80.72,"body":"Publishing."},{"speaker":"Rebecca Wiggins","startTime":81.26,"endTime":81.44,"body":"For"},{"speaker":"Rebecca Wiggins","startTime":81.441,"endTime":81.62,"body":"more"},{"speaker":"Rebecca Wiggins","startTime":81.621,"endTime":81.8,"body":"than"},{"speaker":"Rebecca Wiggins","startTime":81.801,"endTime":81.95,"body":"two"},{"speaker":"Rebecca Wiggins","startTime":81.951,"endTime":82.49,"body":"decades,"},{"speaker":"Rebecca Wiggins","startTime":82.491,"endTime":82.61,"body":"he"},{"speaker":"Rebecca Wiggins","startTime":82.611,"endTime":82.73,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":82.731,"endTime":82.88,"body":"his"},{"speaker":"Rebecca Wiggins","startTime":82.881,"endTime":83.24,"body":"team"},{"speaker":"Rebecca Wiggins","startTime":83.241,"endTime":83.42,"body":"have"},{"speaker":"Rebecca Wiggins","startTime":83.421,"endTime":83.96,"body":"published"},{"speaker":"Rebecca Wiggins","startTime":83.99,"endTime":84.5,"body":"Ask"},{"speaker":"Rebecca Wiggins","startTime":84.53,"endTime":85.28,"body":"Experian,"},{"speaker":"Rebecca Wiggins","startTime":85.29,"endTime":85.4,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":85.401,"endTime":85.91,"body":"industry’s"},{"speaker":"Rebecca Wiggins","startTime":85.911,"endTime":86.33,"body":"first"},{"speaker":"Rebecca Wiggins","startTime":86.331,"endTime":86.81,"body":"online"},{"speaker":"Rebecca Wiggins","startTime":86.811,"endTime":87.35,"body":"consumer"},{"speaker":"Rebecca Wiggins","startTime":87.351,"endTime":87.71,"body":"credit"},{"speaker":"Rebecca Wiggins","startTime":87.711,"endTime":88.04,"body":"advice"},{"speaker":"Rebecca Wiggins","startTime":88.041,"endTime":88.58,"body":"column."},{"speaker":"Rebecca Wiggins","startTime":89.09,"endTime":89.42,"body":"I’ve"},{"speaker":"Rebecca Wiggins","startTime":89.09,"endTime":89.42,"body":"personally"},{"speaker":"Rebecca Wiggins","startTime":89.421,"endTime":89.87,"body":"had"},{"speaker":"Rebecca Wiggins","startTime":89.871,"endTime":90.02,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":90.021,"endTime":90.08,"body":"pleasure"},{"speaker":"Rebecca Wiggins","startTime":90.081,"endTime":90.41,"body":"of"},{"speaker":"Rebecca Wiggins","startTime":90.411,"endTime":90.56,"body":"working"},{"speaker":"Rebecca Wiggins","startTime":90.561,"endTime":90.8,"body":"with"},{"speaker":"Rebecca Wiggins","startTime":90.801,"endTime":90.98,"body":"Rod"},{"speaker":"Rebecca Wiggins","startTime":90.981,"endTime":91.31,"body":"over"},{"speaker":"Rebecca Wiggins","startTime":91.311,"endTime":91.64,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":91.641,"endTime":91.76,"body":"years"},{"speaker":"Rebecca Wiggins","startTime":91.761,"endTime":92.18,"body":"through"},{"speaker":"Rebecca Wiggins","startTime":92.181,"endTime":92.39,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":92.391,"endTime":92.57,"body":"Jump$tart"},{"speaker":"Rebecca Wiggins","startTime":92.571,"endTime":93.11,"body":"Coalition"},{"speaker":"Rebecca Wiggins","startTime":93.111,"endTime":93.62,"body":"Board,"},{"speaker":"Rebecca Wiggins","startTime":93.621,"endTime":94.01,"body":"where"},{"speaker":"Rebecca Wiggins","startTime":94.011,"endTime":94.13,"body":"he"},{"speaker":"Rebecca Wiggins","startTime":94.131,"endTime":94.34,"body":"always"},{"speaker":"Rebecca Wiggins","startTime":94.341,"endTime":94.67,"body":"brings"},{"speaker":"Rebecca Wiggins","startTime":94.671,"endTime":95.06,"body":"wit"},{"speaker":"Rebecca Wiggins","startTime":95.061,"endTime":95.36,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":95.39,"endTime":95.66,"body":"wisdom."},{"speaker":"Rebecca Wiggins","startTime":95.661,"endTime":96.23,"body":"We're"},{"speaker":"Rebecca Wiggins","startTime":95.661,"endTime":96.23,"body":"se"},{"speaker":"Rebecca Wiggins","startTime":96.891,"endTime":97.1,"body":"excited"},{"speaker":"Rebecca Wiggins","startTime":97.101,"endTime":97.55,"body":"to"},{"speaker":"Rebecca Wiggins","startTime":97.551,"endTime":97.61,"body":"talk"},{"speaker":"Rebecca Wiggins","startTime":97.611,"endTime":97.85,"body":"with"},{"speaker":"Rebecca Wiggins","startTime":97.851,"endTime":97.94,"body":"you"},{"speaker":"Rebecca Wiggins","startTime":97.941,"endTime":98.21,"body":"-"},{"speaker":"Rebecca Wiggins","startTime":98.211,"endTime":98.63,"body":"welcome!"},{"speaker":"Rod Griffin","startTime":98.84,"endTime":99.38,"body":"Rebecca."},{"speaker":"Rod Griffin","startTime":99.41,"endTime":99.62,"body":"Thank"},{"speaker":"Rod Griffin","startTime":99.621,"endTime":99.74,"body":"you"},{"speaker":"Rod Griffin","startTime":99.741,"endTime":99.98,"body":"so"},{"speaker":"Rod Griffin","startTime":99.981,"endTime":100.31,"body":"much."},{"speaker":"Rod Griffin","startTime":100.311,"endTime":100.49,"body":"It"},{"speaker":"Rod Griffin","startTime":100.52,"endTime":101.15,"body":"probably"},{"speaker":"Rod Griffin","startTime":101.151,"endTime":101.36,"body":"more"},{"speaker":"Rod Griffin","startTime":101.6,"endTime":101.6,"body":"wit"},{"speaker":"Rod Griffin","startTime":101.63,"endTime":101.78,"body":"than"},{"speaker":"Rod Griffin","startTime":101.781,"endTime":102.2,"body":"wisdom,"},{"speaker":"Rod Griffin","startTime":102.201,"endTime":102.35,"body":"but"},{"speaker":"Rod Griffin","startTime":102.351,"endTime":102.41,"body":"I"},{"speaker":"Rod Griffin","startTime":102.411,"endTime":102.62,"body":"hope"},{"speaker":"Rod Griffin","startTime":102.621,"endTime":102.71,"body":"I"},{"speaker":"Rod Griffin","startTime":102.711,"endTime":102.86,"body":"have"},{"speaker":"Rod Griffin","startTime":102.861,"endTime":103.04,"body":"some"},{"speaker":"Rod Griffin","startTime":103.041,"endTime":103.49,"body":"wisdom"},{"speaker":"Rod Griffin","startTime":103.491,"endTime":103.58,"body":"to"},{"speaker":"Rod Griffin","startTime":103.581,"endTime":103.79,"body":"share."},{"speaker":"Rebecca Wiggins","startTime":105.5,"endTime":105.5,"body":"You"},{"speaker":"Rebecca Wiggins","startTime":105.501,"endTime":105.68,"body":"have"},{"speaker":"Rebecca Wiggins","startTime":105.681,"endTime":105.92,"body":"lots"},{"speaker":"Rebecca Wiggins","startTime":105.921,"endTime":106.04,"body":"of"},{"speaker":"Rebecca Wiggins","startTime":106.041,"endTime":106.31,"body":"that."},{"speaker":"Dr. Mary Bell Carlson","startTime":108.41,"endTime":108.8,"body":"Rod,"},{"speaker":"Dr. Mary Bell Carlson","startTime":108.41,"endTime":108.8,"body":"We'd"},{"speaker":"Dr. Mary Bell Carlson","startTime":108.41,"endTime":108.8,"body":"love"},{"speaker":"Dr. Mary Bell Carlson","startTime":108.41,"endTime":108.8,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":108.41,"endTime":108.8,"body":"hear"},{"speaker":"Dr. Mary Bell Carlson","startTime":108.41,"endTime":108.8,"body":"more"},{"speaker":"Dr. Mary Bell Carlson","startTime":108.801,"endTime":109.16,"body":"about"},{"speaker":"Dr. Mary Bell Carlson","startTime":109.161,"endTime":109.37,"body":"your"},{"speaker":"Dr. Mary Bell Carlson","startTime":109.371,"endTime":109.91,"body":"start"},{"speaker":"Dr. Mary Bell Carlson","startTime":109.911,"endTime":110.09,"body":"in"},{"speaker":"Dr. Mary Bell Carlson","startTime":110.091,"endTime":110.3,"body":"this"},{"speaker":"Dr. Mary Bell Carlson","startTime":110.301,"endTime":110.96,"body":"industry."},{"speaker":"Dr. Mary Bell Carlson","startTime":110.961,"endTime":111.14,"body":"And"},{"speaker":"Dr. Mary Bell Carlson","startTime":111.141,"endTime":111.35,"body":"tell"},{"speaker":"Dr. Mary Bell Carlson","startTime":111.351,"endTime":111.44,"body":"us"},{"speaker":"Dr. Mary Bell Carlson","startTime":111.441,"endTime":111.5,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":111.501,"endTime":111.68,"body":"little"},{"speaker":"Dr. Mary Bell Carlson","startTime":111.681,"endTime":111.89,"body":"bit"},{"speaker":"Dr. Mary Bell Carlson","startTime":111.891,"endTime":111.98,"body":"more"},{"speaker":"Dr. Mary Bell Carlson","startTime":111.981,"endTime":112.25,"body":"about"},{"speaker":"Dr. Mary Bell Carlson","startTime":112.251,"endTime":112.4,"body":"your"},{"speaker":"Dr. Mary Bell Carlson","startTime":112.401,"endTime":112.79,"body":"story."},{"speaker":"Dr. Mary Bell Carlson","startTime":112.791,"endTime":112.97,"body":"What"},{"speaker":"Dr. Mary Bell Carlson","startTime":112.971,"endTime":113.15,"body":"brought"},{"speaker":"Dr. Mary Bell Carlson","startTime":113.151,"endTime":113.24,"body":"you"},{"speaker":"Dr. Mary Bell Carlson","startTime":113.241,"endTime":113.33,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":113.331,"endTime":113.5,"body":"this"},{"speaker":"Dr. Mary Bell Carlson","startTime":113.63,"endTime":113.63,"body":"field"},{"speaker":"Dr. Mary Bell Carlson","startTime":113.63,"endTime":113.63,"body":"?"},{"speaker":"Rod Griffin","startTime":114.05,"endTime":114.35,"body":"Yeah,"},{"speaker":"Rod Griffin","startTime":114.351,"endTime":114.65,"body":"it's"},{"speaker":"Rod Griffin","startTime":114.83,"endTime":115.28,"body":"kind"},{"speaker":"Rod Griffin","startTime":115.281,"endTime":115.4,"body":"of"},{"speaker":"Rod Griffin","startTime":115.401,"endTime":115.67,"body":"dumb"},{"speaker":"Rod Griffin","startTime":115.671,"endTime":116.18,"body":"luck,"},{"speaker":"Rod Griffin","startTime":116.21,"endTime":116.57,"body":"which,"},{"speaker":"Rod Griffin","startTime":116.91,"endTime":117.23,"body":"you"},{"speaker":"Rod Griffin","startTime":117.231,"endTime":117.35,"body":"know,"},{"speaker":"Rod Griffin","startTime":117.351,"endTime":117.47,"body":"if"},{"speaker":"Rod Griffin","startTime":117.471,"endTime":117.56,"body":"you're"},{"speaker":"Rod Griffin","startTime":117.561,"endTime":118.04,"body":"positioning"},{"speaker":"Rod Griffin","startTime":118.041,"endTime":118.55,"body":"yourself"},{"speaker":"Rod Griffin","startTime":118.58,"endTime":119.09,"body":"well,"},{"speaker":"Rod Griffin","startTime":119.091,"endTime":119.33,"body":"that"},{"speaker":"Rod Griffin","startTime":119.331,"endTime":119.78,"body":"happens."},{"speaker":"Rod Griffin","startTime":119.81,"endTime":120.02,"body":"I"},{"speaker":"Rod Griffin","startTime":120.321,"endTime":120.74,"body":"was"},{"speaker":"Rod Griffin","startTime":121.31,"endTime":121.94,"body":"actually"},{"speaker":"Rod Griffin","startTime":122.15,"endTime":122.27,"body":"a"},{"speaker":"Rod Griffin","startTime":122.271,"endTime":123.08,"body":"reporter"},{"speaker":"Rod Griffin","startTime":123.081,"endTime":123.41,"body":"and"},{"speaker":"Rod Griffin","startTime":123.411,"endTime":124.1,"body":"newspaper"},{"speaker":"Rod Griffin","startTime":124.101,"endTime":124.64,"body":"person"},{"speaker":"Rod Griffin","startTime":124.641,"endTime":125.45,"body":"originally."},{"speaker":"Rod Griffin","startTime":125.48,"endTime":125.96,"body":"And"},{"speaker":"Rod Griffin","startTime":126.41,"endTime":126.77,"body":"so"},{"speaker":"Rod Griffin","startTime":126.771,"endTime":126.95,"body":"my"},{"speaker":"Rod Griffin","startTime":126.951,"endTime":127.31,"body":"passion"},{"speaker":"Rod Griffin","startTime":127.311,"endTime":127.4,"body":"has"},{"speaker":"Rod Griffin","startTime":127.401,"endTime":127.64,"body":"always"},{"speaker":"Rod Griffin","startTime":127.641,"endTime":127.88,"body":"been"},{"speaker":"Rod Griffin","startTime":127.881,"endTime":127.97,"body":"to"},{"speaker":"Rod Griffin","startTime":127.971,"endTime":128.21,"body":"help"},{"speaker":"Rod Griffin","startTime":128.211,"endTime":128.75,"body":"inform"},{"speaker":"Rod Griffin","startTime":128.751,"endTime":128.87,"body":"and"},{"speaker":"Rod Griffin","startTime":128.871,"endTime":129.32,"body":"educate"},{"speaker":"Rod Griffin","startTime":129.321,"endTime":129.86,"body":"people."},{"speaker":"Rod Griffin","startTime":130.64,"endTime":130.94,"body":"Went"},{"speaker":"Rod Griffin","startTime":130.941,"endTime":131.18,"body":"from"},{"speaker":"Rod Griffin","startTime":131.181,"endTime":131.93,"body":"newspapers"},{"speaker":"Rod Griffin","startTime":131.931,"endTime":132.11,"body":"to"},{"speaker":"Rod Griffin","startTime":132.111,"endTime":132.44,"body":"city,"},{"speaker":"Rod Griffin","startTime":132.441,"endTime":133.01,"body":"government"},{"speaker":"Rod Griffin","startTime":133.4,"endTime":133.7,"body":"in"},{"speaker":"Rod Griffin","startTime":133.701,"endTime":134.78,"body":"communications,"},{"speaker":"Rod Griffin","startTime":134.87,"endTime":135.41,"body":"municipal"},{"speaker":"Rod Griffin","startTime":135.411,"endTime":135.8,"body":"government"},{"speaker":"Rod Griffin","startTime":135.801,"endTime":135.89,"body":"in"},{"speaker":"Rod Griffin","startTime":135.891,"endTime":136.43,"body":"Texas."},{"speaker":"Rod Griffin","startTime":136.46,"endTime":136.91,"body":"And"},{"speaker":"Rod Griffin","startTime":137.54,"endTime":138.05,"body":"my"},{"speaker":"Rod Griffin","startTime":138.56,"endTime":139.16,"body":"wife"},{"speaker":"Rod Griffin","startTime":139.161,"endTime":139.37,"body":"and"},{"speaker":"Rod Griffin","startTime":139.371,"endTime":139.58,"body":"I"},{"speaker":"Rod Griffin","startTime":139.581,"endTime":139.76,"body":"were"},{"speaker":"Rod Griffin","startTime":139.761,"endTime":140.12,"body":"looking"},{"speaker":"Rod Griffin","startTime":140.121,"endTime":140.21,"body":"at"},{"speaker":"Rod Griffin","startTime":140.211,"endTime":140.33,"body":"the"},{"speaker":"Rod Griffin","startTime":140.331,"endTime":140.6,"body":"one"},{"speaker":"Rod Griffin","startTime":140.601,"endTime":140.87,"body":"ads"},{"speaker":"Rod Griffin","startTime":140.871,"endTime":141.05,"body":"for"},{"speaker":"Rod Griffin","startTime":141.051,"endTime":141.23,"body":"our"},{"speaker":"Rod Griffin","startTime":141.231,"endTime":141.65,"body":"daughter"},{"speaker":"Rod Griffin","startTime":141.651,"endTime":141.89,"body":"one"},{"speaker":"Rod Griffin","startTime":141.891,"endTime":142.52,"body":"day,"},{"speaker":"Rod Griffin","startTime":142.79,"endTime":143.45,"body":"24"},{"speaker":"Rod Griffin","startTime":143.451,"endTime":143.72,"body":"years"},{"speaker":"Rod Griffin","startTime":143.721,"endTime":143.93,"body":"ago"},{"speaker":"Rod Griffin","startTime":143.931,"endTime":144.29,"body":"now,"},{"speaker":"Rod Griffin","startTime":144.32,"endTime":144.68,"body":"and"},{"speaker":"Rod Griffin","startTime":145.13,"endTime":145.4,"body":"saw"},{"speaker":"Rod Griffin","startTime":145.401,"endTime":145.61,"body":"this"},{"speaker":"Rod Griffin","startTime":145.611,"endTime":146.03,"body":"ad"},{"speaker":"Rod Griffin","startTime":146.031,"endTime":146.63,"body":"for"},{"speaker":"Rod Griffin","startTime":146.66,"endTime":147.14,"body":"a"},{"speaker":"Rod Griffin","startTime":147.141,"endTime":147.71,"body":"writer"},{"speaker":"Rod Griffin","startTime":148.19,"endTime":148.49,"body":"for"},{"speaker":"Rod Griffin","startTime":148.491,"endTime":149.06,"body":"education"},{"speaker":"Rod Griffin","startTime":149.061,"endTime":149.66,"body":"resources"},{"speaker":"Rod Griffin","startTime":149.661,"endTime":149.84,"body":"for"},{"speaker":"Rod Griffin","startTime":149.841,"endTime":150.38,"body":"Experian."},{"speaker":"Rod Griffin","startTime":150.381,"endTime":150.5,"body":"And"},{"speaker":"Rod Griffin","startTime":150.501,"endTime":150.59,"body":"I"},{"speaker":"Rod Griffin","startTime":150.591,"endTime":150.86,"body":"just"},{"speaker":"Rod Griffin","startTime":150.861,"endTime":151.1,"body":"off"},{"speaker":"Rod Griffin","startTime":151.101,"endTime":151.22,"body":"the"},{"speaker":"Rod Griffin","startTime":151.221,"endTime":151.4,"body":"cuff"},{"speaker":"Rod Griffin","startTime":151.401,"endTime":151.61,"body":"said,"},{"speaker":"Rod Griffin","startTime":151.611,"endTime":151.7,"body":"I"},{"speaker":"Rod Griffin","startTime":151.701,"endTime":151.91,"body":"think"},{"speaker":"Rod Griffin","startTime":151.911,"endTime":152.0,"body":"I"},{"speaker":"Rod Griffin","startTime":152.001,"endTime":152.18,"body":"could"},{"speaker":"Rod Griffin","startTime":152.181,"endTime":152.3,"body":"do"},{"speaker":"Rod Griffin","startTime":152.301,"endTime":152.6,"body":"that."},{"speaker":"Rod Griffin","startTime":153.02,"endTime":153.14,"body":"And"},{"speaker":"Rod Griffin","startTime":153.141,"endTime":153.26,"body":"she"},{"speaker":"Rod Griffin","startTime":153.261,"endTime":153.44,"body":"said"},{"speaker":"Rod Griffin","startTime":153.47,"endTime":153.68,"body":"send"},{"speaker":"Rod Griffin","startTime":153.681,"endTime":153.74,"body":"a"},{"speaker":"Rod Griffin","startTime":153.741,"endTime":154.19,"body":"resume."},{"speaker":"Rod Griffin","startTime":154.28,"endTime":154.43,"body":"And"},{"speaker":"Rod Griffin","startTime":154.431,"endTime":154.46,"body":"I"},{"speaker":"Rod Griffin","startTime":154.461,"endTime":154.61,"body":"said,"},{"speaker":"Rod Griffin","startTime":154.611,"endTime":154.7,"body":"well,"},{"speaker":"Rod Griffin","startTime":154.701,"endTime":154.73,"body":"I"},{"speaker":"Rod Griffin","startTime":154.731,"endTime":154.91,"body":"kind"},{"speaker":"Rod Griffin","startTime":154.911,"endTime":155.0,"body":"of"},{"speaker":"Rod Griffin","startTime":155.24,"endTime":155.24,"body":"like"},{"speaker":"Rod Griffin","startTime":155.25,"endTime":155.42,"body":"my"},{"speaker":"Rod Griffin","startTime":155.421,"endTime":155.96,"body":"government"},{"speaker":"Rod Griffin","startTime":155.961,"endTime":156.23,"body":"job."},{"speaker":"Rod Griffin","startTime":156.26,"endTime":156.44,"body":"It's"},{"speaker":"Rod Griffin","startTime":156.441,"endTime":156.59,"body":"like"},{"speaker":"Rod Griffin","startTime":156.62,"endTime":156.83,"body":"great"},{"speaker":"Rod Griffin","startTime":156.831,"endTime":157.28,"body":"benefits,"},{"speaker":"Rod Griffin","startTime":157.281,"endTime":157.46,"body":"not"},{"speaker":"Rod Griffin","startTime":157.461,"endTime":157.7,"body":"great"},{"speaker":"Rod Griffin","startTime":157.701,"endTime":158.06,"body":"pay,"},{"speaker":"Rod Griffin","startTime":158.57,"endTime":158.78,"body":"no"},{"speaker":"Rod Griffin","startTime":158.781,"endTime":159.38,"body":"stress,"},{"speaker":"Rod Griffin","startTime":159.98,"endTime":160.16,"body":"but"},{"speaker":"Rod Griffin","startTime":160.19,"endTime":160.34,"body":"she"},{"speaker":"Rod Griffin","startTime":160.341,"endTime":160.49,"body":"said,"},{"speaker":"Rod Griffin","startTime":160.491,"endTime":160.67,"body":"send"},{"speaker":"Rod Griffin","startTime":160.491,"endTime":160.67,"body":"a"},{"speaker":"Rod Griffin","startTime":160.671,"endTime":160.73,"body":"resume"},{"speaker":"Rod Griffin","startTime":161.031,"endTime":161.36,"body":"anyway."},{"speaker":"Rod Griffin","startTime":161.361,"endTime":161.6,"body":"So"},{"speaker":"Rod Griffin","startTime":161.601,"endTime":161.72,"body":"I"},{"speaker":"Rod Griffin","startTime":161.721,"endTime":162.32,"body":"did,"},{"speaker":"Rod Griffin","startTime":162.35,"endTime":163.01,"body":"and"},{"speaker":"Rod Griffin","startTime":163.1,"endTime":163.31,"body":"I"},{"speaker":"Rod Griffin","startTime":163.311,"endTime":163.61,"body":"was"},{"speaker":"Rod Griffin","startTime":163.611,"endTime":164.18,"body":"fortunate"},{"speaker":"Rod Griffin","startTime":164.181,"endTime":164.27,"body":"to"},{"speaker":"Rod Griffin","startTime":164.271,"endTime":164.51,"body":"get"},{"speaker":"Rod Griffin","startTime":164.511,"endTime":165.08,"body":"hired"},{"speaker":"Rod Griffin","startTime":165.081,"endTime":165.32,"body":"by"},{"speaker":"Rod Griffin","startTime":165.321,"endTime":165.8,"body":"Maxine"},{"speaker":"Rod Griffin","startTime":165.801,"endTime":166.22,"body":"Sweet,"},{"speaker":"Rod Griffin","startTime":166.61,"endTime":167.0,"body":"who"},{"speaker":"Rod Griffin","startTime":167.001,"endTime":167.12,"body":"I"},{"speaker":"Rod Griffin","startTime":167.121,"endTime":167.39,"body":"worked"},{"speaker":"Rod Griffin","startTime":167.391,"endTime":167.63,"body":"for"},{"speaker":"Rod Griffin","startTime":167.631,"endTime":167.84,"body":"for"},{"speaker":"Rod Griffin","startTime":167.841,"endTime":168.41,"body":"17"},{"speaker":"Rod Griffin","startTime":168.411,"endTime":168.86,"body":"years"},{"speaker":"Rod Griffin","startTime":168.861,"endTime":169.34,"body":"and"},{"speaker":"Rod Griffin","startTime":169.49,"endTime":170.18,"body":"started"},{"speaker":"Rod Griffin","startTime":170.181,"endTime":170.3,"body":"the"},{"speaker":"Rod Griffin","startTime":170.301,"endTime":170.87,"body":"first"},{"speaker":"Rod Griffin","startTime":171.44,"endTime":172.1,"body":"online,"},{"speaker":"Rod Griffin","startTime":172.101,"endTime":172.25,"body":"what"},{"speaker":"Rod Griffin","startTime":172.251,"endTime":172.37,"body":"we"},{"speaker":"Rod Griffin","startTime":172.61,"endTime":172.61,"body":"call"},{"speaker":"Rod Griffin","startTime":172.62,"endTime":172.73,"body":"the"},{"speaker":"Rod Griffin","startTime":172.731,"endTime":173.24,"body":"online"},{"speaker":"Rod Griffin","startTime":173.241,"endTime":173.57,"body":"credit"},{"speaker":"Rod Griffin","startTime":173.571,"endTime":174.05,"body":"advice"},{"speaker":"Rod Griffin","startTime":174.051,"endTime":174.65,"body":"column."},{"speaker":"Rod Griffin","startTime":175.04,"endTime":175.16,"body":"We"},{"speaker":"Rod Griffin","startTime":175.161,"endTime":175.37,"body":"called"},{"speaker":"Rod Griffin","startTime":175.46,"endTime":175.46,"body":"it"},{"speaker":"Rod Griffin","startTime":175.371,"endTime":175.46,"body":"Ask"},{"speaker":"Rod Griffin","startTime":175.71,"endTime":176.27,"body":"Max,"},{"speaker":"Rod Griffin","startTime":176.3,"endTime":176.45,"body":"For"},{"speaker":"Rod Griffin","startTime":176.451,"endTime":177.05,"body":"Maxine,"},{"speaker":"Rod Griffin","startTime":177.08,"endTime":177.53,"body":"and"},{"speaker":"Rod Griffin","startTime":177.86,"endTime":178.1,"body":"that"},{"speaker":"Rod Griffin","startTime":178.101,"endTime":178.52,"body":"became"},{"speaker":"Rod Griffin","startTime":178.101,"endTime":178.52,"body":"Ask"},{"speaker":"Rod Griffin","startTime":178.521,"endTime":178.85,"body":"Experian."},{"speaker":"Rod Griffin","startTime":180.04,"endTime":180.4,"body":"And"},{"speaker":"Rod Griffin","startTime":180.401,"endTime":180.76,"body":"about"},{"speaker":"Rod Griffin","startTime":180.761,"endTime":181.42,"body":"15"},{"speaker":"Rod Griffin","startTime":181.421,"endTime":181.51,"body":"or"},{"speaker":"Rod Griffin","startTime":181.511,"endTime":181.96,"body":"16"},{"speaker":"Rod Griffin","startTime":181.961,"endTime":182.17,"body":"years"},{"speaker":"Rod Griffin","startTime":182.171,"endTime":182.44,"body":"later,"},{"speaker":"Rod Griffin","startTime":182.441,"endTime":182.59,"body":"we"},{"speaker":"Rod Griffin","startTime":182.591,"endTime":182.89,"body":"found"},{"speaker":"Rod Griffin","startTime":182.891,"endTime":183.07,"body":"out"},{"speaker":"Rod Griffin","startTime":183.071,"endTime":183.22,"body":"that"},{"speaker":"Rod Griffin","startTime":183.221,"endTime":183.34,"body":"it"},{"speaker":"Rod Griffin","startTime":183.341,"endTime":183.49,"body":"was"},{"speaker":"Rod Griffin","startTime":183.491,"endTime":183.58,"body":"the"},{"speaker":"Rod Griffin","startTime":183.581,"endTime":183.88,"body":"first"},{"speaker":"Rod Griffin","startTime":183.881,"endTime":184.36,"body":"blog."},{"speaker":"Rod Griffin","startTime":184.39,"endTime":184.51,"body":"Who"},{"speaker":"Rod Griffin","startTime":184.511,"endTime":184.78,"body":"knew"},{"speaker":"Rod Griffin","startTime":184.781,"endTime":184.9,"body":"it"},{"speaker":"Rod Griffin","startTime":184.901,"endTime":185.02,"body":"was"},{"speaker":"Rod Griffin","startTime":185.021,"endTime":185.08,"body":"a"},{"speaker":"Rod Griffin","startTime":185.081,"endTime":185.44,"body":"blog."},{"speaker":"Rod Griffin","startTime":185.8,"endTime":185.89,"body":"We"},{"speaker":"Rod Griffin","startTime":185.891,"endTime":186.13,"body":"thought"},{"speaker":"Rod Griffin","startTime":186.131,"endTime":186.19,"body":"it"},{"speaker":"Rod Griffin","startTime":186.191,"endTime":186.34,"body":"was"},{"speaker":"Rod Griffin","startTime":186.341,"endTime":186.4,"body":"a"},{"speaker":"Rod Griffin","startTime":186.401,"endTime":186.79,"body":"column"},{"speaker":"Rod Griffin","startTime":186.82,"endTime":187.12,"body":"like"},{"speaker":"Rod Griffin","startTime":187.21,"endTime":187.45,"body":"Ann"},{"speaker":"Rod Griffin","startTime":187.451,"endTime":187.93,"body":"Landers."},{"speaker":"Rod Griffin","startTime":188.2,"endTime":188.47,"body":"So"},{"speaker":"Rod Griffin","startTime":189.04,"endTime":189.28,"body":"if"},{"speaker":"Rod Griffin","startTime":189.281,"endTime":189.43,"body":"you're"},{"speaker":"Rod Griffin","startTime":189.431,"endTime":189.58,"body":"old"},{"speaker":"Rod Griffin","startTime":189.581,"endTime":189.76,"body":"enough"},{"speaker":"Rod Griffin","startTime":189.761,"endTime":189.85,"body":"to"},{"speaker":"Rod Griffin","startTime":189.851,"endTime":190.15,"body":"remember"},{"speaker":"Rod Griffin","startTime":190.151,"endTime":190.42,"body":"her,"},{"speaker":"Rod Griffin","startTime":190.9,"endTime":191.14,"body":"but"},{"speaker":"Rod Griffin","startTime":191.71,"endTime":192.16,"body":"that"},{"speaker":"Rod Griffin","startTime":192.161,"endTime":192.34,"body":"was"},{"speaker":"Rod Griffin","startTime":192.341,"endTime":192.58,"body":"kind"},{"speaker":"Rod Griffin","startTime":192.581,"endTime":192.82,"body":"of"},{"speaker":"Rod Griffin","startTime":192.85,"endTime":193.21,"body":"how"},{"speaker":"Rod Griffin","startTime":193.211,"endTime":193.51,"body":"I"},{"speaker":"Rod Griffin","startTime":194.08,"endTime":194.41,"body":"came"},{"speaker":"Rod Griffin","startTime":194.411,"endTime":194.59,"body":"into"},{"speaker":"Rod Griffin","startTime":194.591,"endTime":194.74,"body":"the"},{"speaker":"Rod Griffin","startTime":194.741,"endTime":195.25,"body":"field."},{"speaker":"Rod Griffin","startTime":195.251,"endTime":195.58,"body":"And"},{"speaker":"Rod Griffin","startTime":195.61,"endTime":196.0,"body":"along"},{"speaker":"Rod Griffin","startTime":196.001,"endTime":196.09,"body":"the"},{"speaker":"Rod Griffin","startTime":196.091,"endTime":196.39,"body":"way"},{"speaker":"Rod Griffin","startTime":196.83,"endTime":196.83,"body":"of,"},{"speaker":"Rod Griffin","startTime":196.831,"endTime":197.25,"body":"have"},{"speaker":"Rod Griffin","startTime":197.86,"endTime":198.13,"body":"had"},{"speaker":"Rod Griffin","startTime":198.131,"endTime":198.22,"body":"the"},{"speaker":"Rod Griffin","startTime":198.221,"endTime":198.46,"body":"good"},{"speaker":"Rod Griffin","startTime":198.461,"endTime":198.94,"body":"fortune"},{"speaker":"Rod Griffin","startTime":198.941,"endTime":199.33,"body":"of"},{"speaker":"Rod Griffin","startTime":199.36,"endTime":199.9,"body":"working"},{"speaker":"Rod Griffin","startTime":199.901,"endTime":200.11,"body":"with"},{"speaker":"Rod Griffin","startTime":200.14,"endTime":200.62,"body":"brilliant"},{"speaker":"Rod Griffin","startTime":200.621,"endTime":201.28,"body":"people"},{"speaker":"Rod Griffin","startTime":201.37,"endTime":201.82,"body":"and"},{"speaker":"Rod Griffin","startTime":201.821,"endTime":202.75,"body":"organizations"},{"speaker":"Rod Griffin","startTime":202.751,"endTime":202.99,"body":"like"},{"speaker":"Rod Griffin","startTime":202.991,"endTime":203.37,"body":"AFCPE®"},{"speaker":"Rod Griffin","startTime":203.861,"endTime":204.1,"body":"and"},{"speaker":"Rod Griffin","startTime":204.4,"endTime":205.27,"body":"Jump$tart,"},{"speaker":"Rod Griffin","startTime":205.271,"endTime":205.45,"body":"and"},{"speaker":"Rod Griffin","startTime":205.451,"endTime":205.51,"body":"a"},{"speaker":"Rod Griffin","startTime":205.511,"endTime":205.81,"body":"number"},{"speaker":"Rod Griffin","startTime":205.811,"endTime":205.87,"body":"of"},{"speaker":"Rod Griffin","startTime":205.871,"endTime":206.38,"body":"others"},{"speaker":"Rod Griffin","startTime":206.77,"endTime":207.37,"body":"and"},{"speaker":"Rod Griffin","startTime":208.45,"endTime":208.45,"body":"am"},{"speaker":"Rod Griffin","startTime":208.451,"endTime":209.02,"body":"fortunate"},{"speaker":"Rod Griffin","startTime":209.021,"endTime":209.11,"body":"to"},{"speaker":"Rod Griffin","startTime":209.111,"endTime":209.59,"body":"share"},{"speaker":"Rod Griffin","startTime":209.591,"endTime":209.8,"body":"what"},{"speaker":"Rod Griffin","startTime":209.801,"endTime":209.95,"body":"I've"},{"speaker":"Rod Griffin","startTime":209.951,"endTime":210.19,"body":"learned"},{"speaker":"Rod Griffin","startTime":210.191,"endTime":210.4,"body":"along"},{"speaker":"Rod Griffin","startTime":210.401,"endTime":210.49,"body":"the"},{"speaker":"Rod Griffin","startTime":210.491,"endTime":210.79,"body":"way."},{"speaker":"Rod Griffin","startTime":211.03,"endTime":211.24,"body":"And"},{"speaker":"Rod Griffin","startTime":211.241,"endTime":211.3,"body":"I"},{"speaker":"Rod Griffin","startTime":211.301,"endTime":211.57,"body":"think"},{"speaker":"Rod Griffin","startTime":211.571,"endTime":211.96,"body":"that's,"},{"speaker":"Rod Griffin","startTime":211.961,"endTime":212.05,"body":"you"},{"speaker":"Rod Griffin","startTime":212.051,"endTime":212.17,"body":"know,"},{"speaker":"Rod Griffin","startTime":212.171,"endTime":212.38,"body":"what"},{"speaker":"Rod Griffin","startTime":212.381,"endTime":212.89,"body":"really"},{"speaker":"Rod Griffin","startTime":213.4,"endTime":214.0,"body":"motivates"},{"speaker":"Rod Griffin","startTime":214.001,"endTime":214.3,"body":"me"},{"speaker":"Rod Griffin","startTime":214.36,"endTime":215.05,"body":"and"},{"speaker":"Rod Griffin","startTime":215.86,"endTime":216.25,"body":"makes"},{"speaker":"Rod Griffin","startTime":216.251,"endTime":216.46,"body":"me"},{"speaker":"Rod Griffin","startTime":216.461,"endTime":217.21,"body":"feel"},{"speaker":"Rod Griffin","startTime":217.27,"endTime":217.93,"body":"fulfilled"},{"speaker":"Rod Griffin","startTime":217.931,"endTime":218.08,"body":"is"},{"speaker":"Rod Griffin","startTime":218.081,"endTime":218.23,"body":"that"},{"speaker":"Rod Griffin","startTime":218.29,"endTime":218.47,"body":"I"},{"speaker":"Rod Griffin","startTime":218.471,"endTime":218.74,"body":"get"},{"speaker":"Rod Griffin","startTime":218.741,"endTime":218.86,"body":"to"},{"speaker":"Rod Griffin","startTime":218.861,"endTime":219.13,"body":"help"},{"speaker":"Rod Griffin","startTime":219.131,"endTime":219.46,"body":"people"},{"speaker":"Rod Griffin","startTime":219.88,"endTime":219.88,"body":"everyday"},{"speaker":"Rod Griffin","startTime":219.881,"endTime":220.09,"body":"just"},{"speaker":"Rod Griffin","startTime":220.091,"endTime":220.21,"body":"by"},{"speaker":"Rod Griffin","startTime":220.211,"endTime":220.54,"body":"sharing"},{"speaker":"Rod Griffin","startTime":220.541,"endTime":221.08,"body":"information."},{"speaker":"Dr. Mary Bell Carlson","startTime":221.4,"endTime":221.79,"body":"Awesome."},{"speaker":"Dr. Mary Bell Carlson","startTime":221.791,"endTime":221.94,"body":"It"},{"speaker":"Dr. Mary Bell Carlson","startTime":221.941,"endTime":222.18,"body":"sounds"},{"speaker":"Dr. Mary Bell Carlson","startTime":222.181,"endTime":222.3,"body":"like"},{"speaker":"Dr. Mary Bell Carlson","startTime":222.51,"endTime":222.51,"body":"you've"},{"speaker":"Dr. Mary Bell Carlson","startTime":222.511,"endTime":222.93,"body":"found"},{"speaker":"Dr. Mary Bell Carlson","startTime":222.99,"endTime":223.26,"body":"your"},{"speaker":"Dr. Mary Bell Carlson","startTime":223.261,"endTime":223.77,"body":"passion"},{"speaker":"Dr. Mary Bell Carlson","startTime":223.8,"endTime":224.07,"body":"along"},{"speaker":"Dr. Mary Bell Carlson","startTime":224.071,"endTime":224.16,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":224.161,"endTime":224.34,"body":"way"},{"speaker":"Dr. Mary Bell Carlson","startTime":224.341,"endTime":224.7,"body":"too."},{"speaker":"Rod Griffin","startTime":224.91,"endTime":225.36,"body":"Yeah."},{"speaker":"Rod Griffin","startTime":225.69,"endTime":225.69,"body":"And"},{"speaker":"Rod Griffin","startTime":225.691,"endTime":225.99,"body":"it's"},{"speaker":"Rod Griffin","startTime":225.991,"endTime":226.23,"body":"it's"},{"speaker":"Rod Griffin","startTime":226.29,"endTime":226.46,"body":"and"},{"speaker":"Rod Griffin","startTime":226.461,"endTime":226.59,"body":"it"},{"speaker":"Rod Griffin","startTime":226.591,"endTime":226.92,"body":"is,"},{"speaker":"Rod Griffin","startTime":226.921,"endTime":226.98,"body":"I"},{"speaker":"Rod Griffin","startTime":226.981,"endTime":227.1,"body":"mean,"},{"speaker":"Rod Griffin","startTime":227.101,"endTime":227.25,"body":"it's"},{"speaker":"Rod Griffin","startTime":227.251,"endTime":227.58,"body":"great"},{"speaker":"Rod Griffin","startTime":227.581,"endTime":227.7,"body":"to"},{"speaker":"Rod Griffin","startTime":227.701,"endTime":228.03,"body":"get"},{"speaker":"Rod Griffin","startTime":228.031,"endTime":228.27,"body":"up"},{"speaker":"Rod Griffin","startTime":228.33,"endTime":228.6,"body":"and"},{"speaker":"Rod Griffin","startTime":228.601,"endTime":228.78,"body":"go"},{"speaker":"Rod Griffin","startTime":228.781,"endTime":228.87,"body":"to"},{"speaker":"Rod Griffin","startTime":228.871,"endTime":229.38,"body":"work"},{"speaker":"Rod Griffin","startTime":229.65,"endTime":229.98,"body":"and"},{"speaker":"Rod Griffin","startTime":230.01,"endTime":230.28,"body":"do"},{"speaker":"Rod Griffin","startTime":230.281,"endTime":230.64,"body":"something"},{"speaker":"Rod Griffin","startTime":230.641,"endTime":230.76,"body":"you"},{"speaker":"Rod Griffin","startTime":230.761,"endTime":231.0,"body":"love"},{"speaker":"Rod Griffin","startTime":231.001,"endTime":231.24,"body":"every"},{"speaker":"Rod Griffin","startTime":231.241,"endTime":231.6,"body":"day."},{"speaker":"Rod Griffin","startTime":231.66,"endTime":231.78,"body":"You"},{"speaker":"Rod Griffin","startTime":231.781,"endTime":231.87,"body":"know,"},{"speaker":"Rod Griffin","startTime":231.871,"endTime":232.11,"body":"my"},{"speaker":"Rod Griffin","startTime":232.14,"endTime":232.32,"body":"I've"},{"speaker":"Rod Griffin","startTime":232.321,"endTime":232.59,"body":"told"},{"speaker":"Rod Griffin","startTime":232.591,"endTime":232.71,"body":"our"},{"speaker":"Rod Griffin","startTime":232.711,"endTime":233.25,"body":"CEO,"},{"speaker":"Rod Griffin","startTime":233.251,"endTime":233.31,"body":"I"},{"speaker":"Rod Griffin","startTime":233.311,"endTime":233.46,"body":"have"},{"speaker":"Rod Griffin","startTime":233.461,"endTime":233.55,"body":"the"},{"speaker":"Rod Griffin","startTime":233.551,"endTime":233.76,"body":"best"},{"speaker":"Rod Griffin","startTime":233.761,"endTime":234.0,"body":"job"},{"speaker":"Rod Griffin","startTime":234.03,"endTime":234.12,"body":"in"},{"speaker":"Rod Griffin","startTime":234.121,"endTime":234.18,"body":"the"},{"speaker":"Rod Griffin","startTime":234.181,"endTime":234.63,"body":"company"},{"speaker":"Rod Griffin","startTime":234.631,"endTime":234.75,"body":"and"},{"speaker":"Rod Griffin","startTime":234.751,"endTime":234.81,"body":"I"},{"speaker":"Rod Griffin","startTime":234.811,"endTime":234.99,"body":"don't"},{"speaker":"Rod Griffin","startTime":234.991,"endTime":235.11,"body":"know"},{"speaker":"Rod Griffin","startTime":235.111,"endTime":235.2,"body":"if"},{"speaker":"Rod Griffin","startTime":235.201,"endTime":235.29,"body":"you"},{"speaker":"Rod Griffin","startTime":235.291,"endTime":235.53,"body":"should"},{"speaker":"Rod Griffin","startTime":235.531,"endTime":235.68,"body":"do"},{"speaker":"Rod Griffin","startTime":235.681,"endTime":235.98,"body":"that,"},{"speaker":"Rod Griffin","startTime":236.07,"endTime":236.07,"body":"but"},{"speaker":"Rod Griffin","startTime":235.981,"endTime":236.07,"body":"I"},{"speaker":"Rod Griffin","startTime":235.981,"endTime":236.07,"body":"did"},{"speaker":"Rod Griffin","startTime":235.981,"endTime":236.07,"body":"anyway."},{"speaker":"Dr. Mary Bell Carlson","startTime":238.83,"endTime":239.34,"body":"So"},{"speaker":"Dr. Mary Bell Carlson","startTime":239.341,"endTime":239.67,"body":"Rod,"},{"speaker":"Dr. Mary Bell Carlson","startTime":239.7,"endTime":239.91,"body":"tell"},{"speaker":"Dr. Mary Bell Carlson","startTime":239.911,"endTime":240.03,"body":"us"},{"speaker":"Dr. Mary Bell Carlson","startTime":240.031,"endTime":240.09,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":240.091,"endTime":240.33,"body":"little"},{"speaker":"Dr. Mary Bell Carlson","startTime":240.331,"endTime":240.51,"body":"bit"},{"speaker":"Dr. Mary Bell Carlson","startTime":240.511,"endTime":240.72,"body":"more"},{"speaker":"Dr. Mary Bell Carlson","startTime":240.721,"endTime":240.99,"body":"about"},{"speaker":"Dr. Mary Bell Carlson","startTime":240.991,"endTime":241.05,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":241.051,"endTime":241.44,"body":"history"},{"speaker":"Dr. Mary Bell Carlson","startTime":241.441,"endTime":241.56,"body":"of"},{"speaker":"Dr. Mary Bell Carlson","startTime":241.561,"endTime":242.37,"body":"Experian"},{"speaker":"Dr. Mary Bell Carlson","startTime":242.371,"endTime":242.55,"body":"and"},{"speaker":"Dr. Mary Bell Carlson","startTime":242.551,"endTime":242.64,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":242.551,"endTime":242.64,"body":"Big"},{"speaker":"Dr. Mary Bell Carlson","startTime":242.641,"endTime":242.85,"body":"Three."},{"speaker":"Dr. Mary Bell Carlson","startTime":243.391,"endTime":243.6,"body":"And"},{"speaker":"Dr. Mary Bell Carlson","startTime":243.601,"endTime":243.87,"body":"please"},{"speaker":"Dr. Mary Bell Carlson","startTime":243.871,"endTime":244.02,"body":"tell"},{"speaker":"Dr. Mary Bell Carlson","startTime":244.021,"endTime":244.14,"body":"us"},{"speaker":"Dr. Mary Bell Carlson","startTime":244.141,"endTime":244.35,"body":"what"},{"speaker":"Dr. Mary Bell Carlson","startTime":244.351,"endTime":244.44,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":244.441,"endTime":244.62,"body":"Big"},{"speaker":"Dr. Mary Bell Carlson","startTime":244.441,"endTime":244.62,"body":"Three"},{"speaker":"Dr. Mary Bell Carlson","startTime":244.441,"endTime":244.62,"body":"are."},{"speaker":"Rod Griffin","startTime":245.76,"endTime":245.97,"body":"Okay."},{"speaker":"Rod Griffin","startTime":246.0,"endTime":246.15,"body":"The"},{"speaker":"Rod Griffin","startTime":246.151,"endTime":246.42,"body":"Big"},{"speaker":"Rod Griffin","startTime":246.45,"endTime":246.81,"body":"Three"},{"speaker":"Rod Griffin","startTime":246.811,"endTime":247.23,"body":"are"},{"speaker":"Rod Griffin","startTime":247.231,"endTime":247.83,"body":"Experian,"},{"speaker":"Rod Griffin","startTime":247.831,"endTime":248.46,"body":"TransUnion"},{"speaker":"Rod Griffin","startTime":248.461,"endTime":248.58,"body":"and"},{"speaker":"Rod Griffin","startTime":248.581,"endTime":249.3,"body":"Equifax."},{"speaker":"Rod Griffin","startTime":249.51,"endTime":249.51,"body":"And"},{"speaker":"Rod Griffin","startTime":249.52,"endTime":249.87,"body":"in"},{"speaker":"Rod Griffin","startTime":249.9,"endTime":250.14,"body":"our"},{"speaker":"Rod Griffin","startTime":250.141,"endTime":250.41,"body":"world,"},{"speaker":"Rod Griffin","startTime":250.411,"endTime":250.56,"body":"that's"},{"speaker":"Rod Griffin","startTime":250.561,"endTime":250.68,"body":"the"},{"speaker":"Rod Griffin","startTime":250.681,"endTime":250.83,"body":"Big"},{"speaker":"Rod Griffin","startTime":250.86,"endTime":251.04,"body":"Three"},{"speaker":"Rod Griffin","startTime":251.041,"endTime":251.28,"body":"credit"},{"speaker":"Rod Griffin","startTime":251.281,"endTime":251.7,"body":"reporting"},{"speaker":"Rod Griffin","startTime":251.701,"endTime":252.3,"body":"companies."},{"speaker":"Rod Griffin","startTime":252.63,"endTime":253.53,"body":"Experian,"},{"speaker":"Rod Griffin","startTime":253.86,"endTime":254.01,"body":"in"},{"speaker":"Rod Griffin","startTime":254.011,"endTime":254.19,"body":"our"},{"speaker":"Rod Griffin","startTime":254.191,"endTime":254.49,"body":"view,"},{"speaker":"Rod Griffin","startTime":254.491,"endTime":254.58,"body":"it"},{"speaker":"Rod Griffin","startTime":254.581,"endTime":254.76,"body":"was"},{"speaker":"Rod Griffin","startTime":254.761,"endTime":254.88,"body":"the"},{"speaker":"Rod Griffin","startTime":254.881,"endTime":255.45,"body":"first"},{"speaker":"Rod Griffin","startTime":255.51,"endTime":255.6,"body":"credit"},{"speaker":"Rod Griffin","startTime":255.841,"endTime":256.26,"body":"reporting"},{"speaker":"Rod Griffin","startTime":256.261,"endTime":256.77,"body":"agency."},{"speaker":"Rod Griffin","startTime":256.771,"endTime":257.25,"body":"We"},{"speaker":"Rod Griffin","startTime":257.7,"endTime":258.75,"body":"began"},{"speaker":"Rod Griffin","startTime":258.78,"endTime":259.2,"body":"with"},{"speaker":"Rod Griffin","startTime":259.44,"endTime":259.71,"body":"a"},{"speaker":"Rod Griffin","startTime":259.711,"endTime":260.22,"body":"company"},{"speaker":"Rod Griffin","startTime":260.221,"endTime":260.64,"body":"called"},{"speaker":"Rod Griffin","startTime":260.7,"endTime":261.33,"body":"Chilton"},{"speaker":"Rod Griffin","startTime":261.78,"endTime":261.96,"body":"and"},{"speaker":"Rod Griffin","startTime":261.961,"endTime":262.29,"body":"Jim"},{"speaker":"Rod Griffin","startTime":262.291,"endTime":262.8,"body":"Chilton"},{"speaker":"Rod Griffin","startTime":262.83,"endTime":263.04,"body":"in"},{"speaker":"Rod Griffin","startTime":263.041,"endTime":263.61,"body":"Dallas"},{"speaker":"Rod Griffin","startTime":263.611,"endTime":263.76,"body":"at"},{"speaker":"Rod Griffin","startTime":263.761,"endTime":263.85,"body":"the"},{"speaker":"Rod Griffin","startTime":263.851,"endTime":264.21,"body":"turn"},{"speaker":"Rod Griffin","startTime":264.211,"endTime":264.33,"body":"of"},{"speaker":"Rod Griffin","startTime":264.331,"endTime":264.63,"body":"the"},{"speaker":"Rod Griffin","startTime":265.02,"endTime":265.62,"body":"century,"},{"speaker":"Rod Griffin","startTime":265.621,"endTime":265.92,"body":"between"},{"speaker":"Rod Griffin","startTime":265.921,"endTime":266.01,"body":"the"},{"speaker":"Rod Griffin","startTime":266.011,"endTime":266.43,"body":"18th"},{"speaker":"Rod Griffin","startTime":266.431,"endTime":266.52,"body":"and"},{"speaker":"Rod Griffin","startTime":266.521,"endTime":267.03,"body":"19th"},{"speaker":"Rod Griffin","startTime":267.031,"endTime":267.6,"body":"century"},{"speaker":"Rod Griffin","startTime":267.84,"endTime":268.47,"body":"started"},{"speaker":"Rod Griffin","startTime":268.471,"endTime":268.89,"body":"going"},{"speaker":"Rod Griffin","startTime":268.891,"endTime":269.13,"body":"from"},{"speaker":"Rod Griffin","startTime":269.131,"endTime":269.58,"body":"merchant"},{"speaker":"Rod Griffin","startTime":269.581,"endTime":269.67,"body":"to"},{"speaker":"Rod Griffin","startTime":269.671,"endTime":270.06,"body":"merchant"},{"speaker":"Rod Griffin","startTime":270.061,"endTime":270.24,"body":"in"},{"speaker":"Rod Griffin","startTime":270.241,"endTime":270.84,"body":"Dallas"},{"speaker":"Rod Griffin","startTime":270.87,"endTime":271.08,"body":"and"},{"speaker":"Rod Griffin","startTime":271.081,"endTime":271.44,"body":"taking"},{"speaker":"Rod Griffin","startTime":271.441,"endTime":271.86,"body":"notes"},{"speaker":"Rod Griffin","startTime":271.861,"endTime":271.98,"body":"in"},{"speaker":"Rod Griffin","startTime":271.981,"endTime":272.04,"body":"a"},{"speaker":"Rod Griffin","startTime":272.041,"endTime":272.31,"body":"little"},{"speaker":"Rod Griffin","startTime":272.311,"endTime":272.73,"body":"book"},{"speaker":"Rod Griffin","startTime":273.24,"endTime":273.69,"body":"and"},{"speaker":"Rod Griffin","startTime":273.99,"endTime":274.2,"body":"would"},{"speaker":"Rod Griffin","startTime":274.201,"endTime":274.62,"body":"ask"},{"speaker":"Rod Griffin","startTime":274.621,"endTime":275.04,"body":"them"},{"speaker":"Rod Griffin","startTime":275.37,"endTime":275.62,"body":"to,"},{"speaker":"Rod Griffin","startTime":275.73,"endTime":276.09,"body":"to"},{"speaker":"Rod Griffin","startTime":276.12,"endTime":276.42,"body":"share"},{"speaker":"Rod Griffin","startTime":276.421,"endTime":276.93,"body":"information"},{"speaker":"Rod Griffin","startTime":276.931,"endTime":277.23,"body":"about"},{"speaker":"Rod Griffin","startTime":277.231,"endTime":277.56,"body":"how"},{"speaker":"Rod Griffin","startTime":277.561,"endTime":277.77,"body":"their"},{"speaker":"Rod Griffin","startTime":277.771,"endTime":278.49,"body":"customers"},{"speaker":"Rod Griffin","startTime":278.93,"endTime":278.93,"body":"paid"},{"speaker":"Rod Griffin","startTime":278.931,"endTime":279.09,"body":"their"},{"speaker":"Rod Griffin","startTime":279.091,"endTime":279.42,"body":"credit"},{"speaker":"Rod Griffin","startTime":279.421,"endTime":279.81,"body":"lines."},{"speaker":"Rod Griffin","startTime":280.53,"endTime":280.95,"body":"And"},{"speaker":"Rod Griffin","startTime":281.07,"endTime":281.43,"body":"he"},{"speaker":"Rod Griffin","startTime":281.431,"endTime":281.64,"body":"would"},{"speaker":"Rod Griffin","startTime":281.641,"endTime":281.85,"body":"take"},{"speaker":"Rod Griffin","startTime":281.851,"endTime":282.18,"body":"notes"},{"speaker":"Rod Griffin","startTime":282.181,"endTime":282.33,"body":"on"},{"speaker":"Rod Griffin","startTime":282.331,"endTime":282.75,"body":"things"},{"speaker":"Rod Griffin","startTime":282.751,"endTime":283.38,"body":"like"},{"speaker":"Rod Griffin","startTime":283.44,"endTime":284.46,"body":"John"},{"speaker":"Rod Griffin","startTime":284.46,"endTime":284.46,"body":"Smith"},{"speaker":"Rod Griffin","startTime":284.49,"endTime":285.09,"body":"drinks"},{"speaker":"Rod Griffin","startTime":285.091,"endTime":285.15,"body":"a"},{"speaker":"Rod Griffin","startTime":285.151,"endTime":285.39,"body":"bit"},{"speaker":"Rod Griffin","startTime":285.391,"endTime":285.6,"body":"too"},{"speaker":"Rod Griffin","startTime":285.601,"endTime":285.93,"body":"much,"},{"speaker":"Rod Griffin","startTime":285.96,"endTime":286.11,"body":"but"},{"speaker":"Rod Griffin","startTime":286.111,"endTime":286.29,"body":"his"},{"speaker":"Rod Griffin","startTime":286.291,"endTime":286.59,"body":"dad"},{"speaker":"Rod Griffin","startTime":286.591,"endTime":286.74,"body":"will"},{"speaker":"Rod Griffin","startTime":286.741,"endTime":287.04,"body":"cover"},{"speaker":"Rod Griffin","startTime":287.041,"endTime":287.19,"body":"the"},{"speaker":"Rod Griffin","startTime":287.191,"endTime":287.79,"body":"bill."},{"speaker":"Dr. Mary Bell Carlson","startTime":289.29,"endTime":289.8,"body":"Wow."},{"speaker":"Rod Griffin","startTime":294.21,"endTime":294.21,"body":"We"},{"speaker":"Rod Griffin","startTime":294.21,"endTime":294.21,"body":"don't"},{"speaker":"Rod Griffin","startTime":294.21,"endTime":294.21,"body":"do"},{"speaker":"Rod Griffin","startTime":294.21,"endTime":294.21,"body":"that"},{"speaker":"Rod Griffin","startTime":294.21,"endTime":294.21,"body":"anymore."},{"speaker":"Rod Griffin","startTime":294.03,"endTime":294.21,"body":"We're"},{"speaker":"Rod Griffin","startTime":294.211,"endTime":294.69,"body":"very"},{"speaker":"Rod Griffin","startTime":294.691,"endTime":295.38,"body":"precise"},{"speaker":"Rod Griffin","startTime":295.381,"endTime":295.8,"body":"and"},{"speaker":"Rod Griffin","startTime":295.801,"endTime":296.31,"body":"very"},{"speaker":"Rod Griffin","startTime":296.311,"endTime":296.97,"body":"objective"},{"speaker":"Rod Griffin","startTime":296.971,"endTime":297.15,"body":"in"},{"speaker":"Rod Griffin","startTime":297.151,"endTime":297.27,"body":"the"},{"speaker":"Rod Griffin","startTime":297.271,"endTime":297.75,"body":"data."},{"speaker":"Rod Griffin","startTime":297.751,"endTime":298.32,"body":"So"},{"speaker":"Rod Griffin","startTime":298.35,"endTime":298.71,"body":"that"},{"speaker":"Rod Griffin","startTime":298.711,"endTime":299.1,"body":"grew"},{"speaker":"Rod Griffin","startTime":299.101,"endTime":299.61,"body":"from"},{"speaker":"Rod Griffin","startTime":299.94,"endTime":300.39,"body":"notes"},{"speaker":"Rod Griffin","startTime":300.391,"endTime":300.54,"body":"in"},{"speaker":"Rod Griffin","startTime":300.541,"endTime":300.6,"body":"a"},{"speaker":"Rod Griffin","startTime":300.601,"endTime":301.2,"body":"notebook"},{"speaker":"Rod Griffin","startTime":301.23,"endTime":301.74,"body":"to"},{"speaker":"Rod Griffin","startTime":302.16,"endTime":302.58,"body":"people"},{"speaker":"Rod Griffin","startTime":302.581,"endTime":302.7,"body":"at"},{"speaker":"Rod Griffin","startTime":302.701,"endTime":303.36,"body":"telephones"},{"speaker":"Rod Griffin","startTime":303.361,"endTime":303.54,"body":"with"},{"speaker":"Rod Griffin","startTime":303.541,"endTime":303.9,"body":"file"},{"speaker":"Rod Griffin","startTime":303.901,"endTime":304.53,"body":"cabinets."},{"speaker":"Rod Griffin","startTime":304.531,"endTime":304.68,"body":"And"},{"speaker":"Rod Griffin","startTime":304.681,"endTime":304.77,"body":"you"},{"speaker":"Rod Griffin","startTime":304.771,"endTime":304.95,"body":"would"},{"speaker":"Rod Griffin","startTime":304.951,"endTime":305.43,"body":"call"},{"speaker":"Rod Griffin","startTime":305.431,"endTime":305.58,"body":"as"},{"speaker":"Rod Griffin","startTime":305.581,"endTime":305.64,"body":"a"},{"speaker":"Rod Griffin","startTime":305.641,"endTime":306.12,"body":"business"},{"speaker":"Rod Griffin","startTime":306.121,"endTime":306.24,"body":"and"},{"speaker":"Rod Griffin","startTime":306.241,"endTime":306.63,"body":"ask"},{"speaker":"Rod Griffin","startTime":306.631,"endTime":306.9,"body":"for"},{"speaker":"Rod Griffin","startTime":306.901,"endTime":306.96,"body":"a"},{"speaker":"Rod Griffin","startTime":306.961,"endTime":307.23,"body":"credit"},{"speaker":"Rod Griffin","startTime":307.231,"endTime":307.68,"body":"report."},{"speaker":"Rod Griffin","startTime":308.36,"endTime":308.94,"body":"That"},{"speaker":"Rod Griffin","startTime":309.24,"endTime":309.6,"body":"was"},{"speaker":"Rod Griffin","startTime":309.601,"endTime":310.05,"body":"then"},{"speaker":"Rod Griffin","startTime":310.95,"endTime":311.94,"body":"acquired"},{"speaker":"Rod Griffin","startTime":311.941,"endTime":312.06,"body":"the"},{"speaker":"Rod Griffin","startTime":312.061,"endTime":312.42,"body":"Chilton"},{"speaker":"Rod Griffin","startTime":312.421,"endTime":313.35,"body":"corporation"},{"speaker":"Rod Griffin","startTime":313.77,"endTime":314.13,"body":"along"},{"speaker":"Rod Griffin","startTime":314.131,"endTime":314.28,"body":"with"},{"speaker":"Rod Griffin","startTime":314.281,"endTime":314.34,"body":"a"},{"speaker":"Rod Griffin","startTime":314.341,"endTime":314.67,"body":"couple"},{"speaker":"Rod Griffin","startTime":314.671,"endTime":314.76,"body":"of"},{"speaker":"Rod Griffin","startTime":314.761,"endTime":315.24,"body":"others"},{"speaker":"Rod Griffin","startTime":315.241,"endTime":315.42,"body":"were"},{"speaker":"Rod Griffin","startTime":315.421,"endTime":315.87,"body":"acquired"},{"speaker":"Rod Griffin","startTime":315.871,"endTime":316.02,"body":"by"},{"speaker":"Rod Griffin","startTime":316.021,"endTime":317.04,"body":"TRW"},{"speaker":"Rod Griffin","startTime":317.041,"endTime":317.34,"body":"in"},{"speaker":"Rod Griffin","startTime":317.341,"endTime":317.67,"body":"the"},{"speaker":"Rod Griffin","startTime":317.91,"endTime":318.78,"body":"sixties"},{"speaker":"Rod Griffin","startTime":319.26,"endTime":319.68,"body":"and"},{"speaker":"Rod Griffin","startTime":319.681,"endTime":319.83,"body":"the"},{"speaker":"Rod Griffin","startTime":319.831,"endTime":320.37,"body":"R"},{"speaker":"Rod Griffin","startTime":319.831,"endTime":320.37,"body":"in"},{"speaker":"Rod Griffin","startTime":320.371,"endTime":321.39,"body":"TRW,"},{"speaker":"Rod Griffin","startTime":321.46,"endTime":321.87,"body":"Mr."},{"speaker":"Rod Griffin","startTime":321.871,"endTime":322.56,"body":"Ramos,"},{"speaker":"Rod Griffin","startTime":323.31,"endTime":324.18,"body":"created"},{"speaker":"Rod Griffin","startTime":324.78,"endTime":325.47,"body":"computer-based"},{"speaker":"Rod Griffin","startTime":325.5,"endTime":325.8,"body":"credit"},{"speaker":"Rod Griffin","startTime":325.801,"endTime":326.22,"body":"reporting."},{"speaker":"Rod Griffin","startTime":326.49,"endTime":326.7,"body":"And"},{"speaker":"Rod Griffin","startTime":326.941,"endTime":327.45,"body":"so"},{"speaker":"Rod Griffin","startTime":327.51,"endTime":327.66,"body":"it"},{"speaker":"Rod Griffin","startTime":327.661,"endTime":328.26,"body":"became"},{"speaker":"Rod Griffin","startTime":328.38,"endTime":328.8,"body":"computer"},{"speaker":"Rod Griffin","startTime":328.801,"endTime":329.28,"body":"driven"},{"speaker":"Rod Griffin","startTime":329.281,"endTime":329.46,"body":"and"},{"speaker":"Rod Griffin","startTime":329.461,"endTime":330.27,"body":"data-driven."},{"speaker":"Rod Griffin","startTime":329.461,"endTime":330.27,"body":"TRW"},{"speaker":"Rod Griffin","startTime":331.38,"endTime":332.49,"body":"then"},{"speaker":"Rod Griffin","startTime":333.51,"endTime":333.75,"body":"in"},{"speaker":"Rod Griffin","startTime":333.751,"endTime":334.02,"body":"the"},{"speaker":"Rod Griffin","startTime":334.021,"endTime":334.29,"body":"late"},{"speaker":"Rod Griffin","startTime":334.291,"endTime":334.65,"body":"19"},{"speaker":"Rod Griffin","startTime":334.651,"endTime":334.92,"body":"nine,"},{"speaker":"Rod Griffin","startTime":334.921,"endTime":335.16,"body":"mid"},{"speaker":"Rod Griffin","startTime":335.161,"endTime":336.0,"body":"1990s,"},{"speaker":"Rod Griffin","startTime":336.001,"endTime":336.39,"body":"right"},{"speaker":"Rod Griffin","startTime":336.391,"endTime":336.81,"body":"before"},{"speaker":"Rod Griffin","startTime":336.811,"endTime":336.93,"body":"I"},{"speaker":"Rod Griffin","startTime":336.931,"endTime":337.26,"body":"joined"},{"speaker":"Rod Griffin","startTime":337.261,"endTime":337.38,"body":"the"},{"speaker":"Rod Griffin","startTime":337.381,"endTime":337.86,"body":"company,"},{"speaker":"Rod Griffin","startTime":338.73,"endTime":339.27,"body":"spun"},{"speaker":"Rod Griffin","startTime":339.271,"endTime":339.69,"body":"off"},{"speaker":"Rod Griffin","startTime":339.72,"endTime":339.84,"body":"the"},{"speaker":"Rod Griffin","startTime":339.841,"endTime":340.11,"body":"credit"},{"speaker":"Rod Griffin","startTime":340.111,"endTime":340.5,"body":"reporting"},{"speaker":"Rod Griffin","startTime":340.501,"endTime":340.74,"body":"piece"},{"speaker":"Rod Griffin","startTime":340.741,"endTime":340.86,"body":"of"},{"speaker":"Rod Griffin","startTime":340.861,"endTime":341.01,"body":"that"},{"speaker":"Rod Griffin","startTime":341.011,"endTime":341.46,"body":"business."},{"speaker":"Rod Griffin","startTime":341.461,"endTime":341.58,"body":"I"},{"speaker":"Rod Griffin","startTime":341.581,"endTime":341.79,"body":"kind"},{"speaker":"Rod Griffin","startTime":341.791,"endTime":341.88,"body":"of"},{"speaker":"Rod Griffin","startTime":341.881,"endTime":342.42,"body":"jokingly"},{"speaker":"Rod Griffin","startTime":342.421,"endTime":342.6,"body":"say"},{"speaker":"Rod Griffin","startTime":342.601,"endTime":342.69,"body":"it"},{"speaker":"Rod Griffin","startTime":342.691,"endTime":342.81,"body":"was"},{"speaker":"Rod Griffin","startTime":342.811,"endTime":343.11,"body":"because"},{"speaker":"Rod Griffin","startTime":343.111,"endTime":343.23,"body":"we"},{"speaker":"Rod Griffin","startTime":343.231,"endTime":343.32,"body":"were"},{"speaker":"Rod Griffin","startTime":343.321,"endTime":343.5,"body":"too"},{"speaker":"Rod Griffin","startTime":343.501,"endTime":344.28,"body":"controversial."},{"speaker":"Rod Griffin","startTime":344.7,"endTime":345.06,"body":"Because"},{"speaker":"Rod Griffin","startTime":345.061,"endTime":345.6,"body":"TRW"},{"speaker":"Rod Griffin","startTime":345.601,"endTime":345.87,"body":"wanted"},{"speaker":"Rod Griffin","startTime":345.871,"endTime":345.96,"body":"to"},{"speaker":"Rod Griffin","startTime":345.961,"endTime":346.38,"body":"focus"},{"speaker":"Rod Griffin","startTime":346.381,"endTime":346.68,"body":"on"},{"speaker":"Rod Griffin","startTime":346.71,"endTime":346.86,"body":"they're"},{"speaker":"Rod Griffin","startTime":346.861,"endTime":346.95,"body":"an"},{"speaker":"Rod Griffin","startTime":346.951,"endTime":347.43,"body":"engineering"},{"speaker":"Rod Griffin","startTime":347.431,"endTime":347.82,"body":"company"},{"speaker":"Rod Griffin","startTime":347.821,"endTime":347.97,"body":"with"},{"speaker":"Rod Griffin","startTime":347.971,"endTime":348.21,"body":"this"},{"speaker":"Rod Griffin","startTime":348.36,"endTime":348.63,"body":"credit"},{"speaker":"Rod Griffin","startTime":348.631,"endTime":349.08,"body":"reporting"},{"speaker":"Rod Griffin","startTime":349.081,"endTime":349.53,"body":"business"},{"speaker":"Rod Griffin","startTime":349.531,"endTime":349.68,"body":"on"},{"speaker":"Rod Griffin","startTime":349.681,"endTime":349.74,"body":"the"},{"speaker":"Rod Griffin","startTime":349.741,"endTime":350.16,"body":"side."},{"speaker":"Rod Griffin","startTime":350.61,"endTime":351.0,"body":"And"},{"speaker":"Rod Griffin","startTime":351.001,"endTime":351.15,"body":"they"},{"speaker":"Rod Griffin","startTime":351.151,"endTime":351.39,"body":"wanted"},{"speaker":"Rod Griffin","startTime":351.391,"endTime":351.45,"body":"to"},{"speaker":"Rod Griffin","startTime":351.451,"endTime":351.78,"body":"focus"},{"speaker":"Rod Griffin","startTime":351.781,"endTime":351.9,"body":"on"},{"speaker":"Rod Griffin","startTime":351.901,"endTime":352.17,"body":"building"},{"speaker":"Rod Griffin","startTime":352.171,"endTime":352.5,"body":"bombs"},{"speaker":"Rod Griffin","startTime":352.501,"endTime":352.59,"body":"and"},{"speaker":"Rod Griffin","startTime":352.591,"endTime":352.98,"body":"missiles."},{"speaker":"Rod Griffin","startTime":352.981,"endTime":353.13,"body":"That"},{"speaker":"Rod Griffin","startTime":353.131,"endTime":353.28,"body":"was"},{"speaker":"Rod Griffin","startTime":353.281,"endTime":353.49,"body":"less"},{"speaker":"Rod Griffin","startTime":353.491,"endTime":354.21,"body":"controversial,"},{"speaker":"Rod Griffin","startTime":354.211,"endTime":354.57,"body":"so"},{"speaker":"Rod Griffin","startTime":355.35,"endTime":355.77,"body":"jokingly."},{"speaker":"Rod Griffin","startTime":356.4,"endTime":356.73,"body":"But"},{"speaker":"Rod Griffin","startTime":356.73,"endTime":356.73,"body":","},{"speaker":"Rod Griffin","startTime":357.26,"endTime":357.5,"body":"we"},{"speaker":"Rod Griffin","startTime":357.501,"endTime":357.83,"body":"became"},{"speaker":"Rod Griffin","startTime":357.831,"endTime":358.4,"body":"independent,"},{"speaker":"Rod Griffin","startTime":358.401,"endTime":358.73,"body":"became"},{"speaker":"Rod Griffin","startTime":358.731,"endTime":359.48,"body":"Experian"},{"speaker":"Rod Griffin","startTime":359.81,"endTime":360.47,"body":"and"},{"speaker":"Rod Griffin","startTime":360.74,"endTime":361.22,"body":"we"},{"speaker":"Rod Griffin","startTime":361.221,"endTime":361.64,"body":"were"},{"speaker":"Rod Griffin","startTime":361.641,"endTime":362.57,"body":"acquired"},{"speaker":"Rod Griffin","startTime":362.99,"endTime":363.32,"body":"by"},{"speaker":"Rod Griffin","startTime":363.35,"endTime":363.65,"body":"a,"},{"speaker":"Rod Griffin","startTime":363.68,"endTime":363.86,"body":"an"},{"speaker":"Rod Griffin","startTime":363.861,"endTime":364.28,"body":"investment"},{"speaker":"Rod Griffin","startTime":364.281,"endTime":364.52,"body":"company"},{"speaker":"Rod Griffin","startTime":364.521,"endTime":364.73,"body":"called"},{"speaker":"Rod Griffin","startTime":364.731,"endTime":364.97,"body":"Bain"},{"speaker":"Rod Griffin","startTime":364.971,"endTime":365.06,"body":"and"},{"speaker":"Rod Griffin","startTime":365.21,"endTime":365.21,"body":"Lee"},{"speaker":"Rod Griffin","startTime":365.211,"endTime":365.9,"body":"capital,"},{"speaker":"Rod Griffin","startTime":366.26,"endTime":366.47,"body":"who"},{"speaker":"Rod Griffin","startTime":366.471,"endTime":366.92,"body":"then"},{"speaker":"Rod Griffin","startTime":366.921,"endTime":367.43,"body":"sold"},{"speaker":"Rod Griffin","startTime":367.431,"endTime":367.7,"body":"us"},{"speaker":"Rod Griffin","startTime":367.701,"endTime":367.82,"body":"in"},{"speaker":"Rod Griffin","startTime":367.821,"endTime":368.12,"body":"six"},{"speaker":"Rod Griffin","startTime":368.121,"endTime":368.51,"body":"months"},{"speaker":"Rod Griffin","startTime":368.81,"endTime":368.81,"body":"for"},{"speaker":"Rod Griffin","startTime":368.81,"endTime":368.81,"body":","},{"speaker":"Rod Griffin","startTime":368.811,"endTime":368.96,"body":"at"},{"speaker":"Rod Griffin","startTime":368.961,"endTime":369.05,"body":"the"},{"speaker":"Rod Griffin","startTime":369.051,"endTime":369.47,"body":"time,"},{"speaker":"Rod Griffin","startTime":369.471,"endTime":369.56,"body":"a"},{"speaker":"Rod Griffin","startTime":369.561,"endTime":370.16,"body":"record"},{"speaker":"Rod Griffin","startTime":370.161,"endTime":370.85,"body":"profit"},{"speaker":"Rod Griffin","startTime":371.33,"endTime":371.75,"body":"of"},{"speaker":"Rod Griffin","startTime":371.99,"endTime":372.38,"body":"several"},{"speaker":"Rod Griffin","startTime":372.381,"endTime":372.77,"body":"billion"},{"speaker":"Rod Griffin","startTime":372.771,"endTime":373.46,"body":"dollars"},{"speaker":"Rod Griffin","startTime":373.58,"endTime":374.33,"body":"to"},{"speaker":"Rod Griffin","startTime":374.36,"endTime":374.51,"body":"an"},{"speaker":"Rod Griffin","startTime":374.511,"endTime":375.05,"body":"organization"},{"speaker":"Rod Griffin","startTime":375.051,"endTime":375.26,"body":"called"},{"speaker":"Rod Griffin","startTime":375.261,"endTime":375.47,"body":"Great"},{"speaker":"Rod Griffin","startTime":375.471,"endTime":376.01,"body":"Universal"},{"speaker":"Rod Griffin","startTime":376.011,"endTime":376.64,"body":"Stores"},{"speaker":"Rod Griffin","startTime":377.24,"endTime":377.69,"body":"and"},{"speaker":"Rod Griffin","startTime":377.691,"endTime":378.02,"body":"CCN"},{"speaker":"Rod Griffin","startTime":379.041,"endTime":379.25,"body":"group,"},{"speaker":"Rod Griffin","startTime":379.251,"endTime":379.46,"body":"not"},{"speaker":"Rod Griffin","startTime":379.461,"endTime":380.09,"body":"CNN"},{"speaker":"Rod Griffin","startTime":380.93,"endTime":380.93,"body":"CCN"},{"speaker":"Rod Griffin","startTime":380.93,"endTime":380.93,"body":","},{"speaker":"Rod Griffin","startTime":380.931,"endTime":381.14,"body":"which"},{"speaker":"Rod Griffin","startTime":381.141,"endTime":381.29,"body":"was"},{"speaker":"Rod Griffin","startTime":381.141,"endTime":381.29,"body":"a,"},{"speaker":"Rod Griffin","startTime":381.291,"endTime":381.44,"body":"scoring"},{"speaker":"Rod Griffin","startTime":382.281,"endTime":382.82,"body":"company"},{"speaker":"Rod Griffin","startTime":382.82,"endTime":382.82,"body":","},{"speaker":"Rod Griffin","startTime":383.3,"endTime":383.5,"body":"in"},{"speaker":"Rod Griffin","startTime":383.721,"endTime":383.75,"body":"a"},{"speaker":"Rod Griffin","startTime":383.751,"endTime":384.05,"body":"data"},{"speaker":"Rod Griffin","startTime":384.051,"endTime":384.65,"body":"company"},{"speaker":"Rod Griffin","startTime":384.651,"endTime":384.86,"body":"in"},{"speaker":"Rod Griffin","startTime":384.861,"endTime":385.37,"body":"Britain."},{"speaker":"Rod Griffin","startTime":385.58,"endTime":385.76,"body":"And"},{"speaker":"Rod Griffin","startTime":385.761,"endTime":385.94,"body":"so"},{"speaker":"Rod Griffin","startTime":385.941,"endTime":386.09,"body":"we"},{"speaker":"Rod Griffin","startTime":386.091,"endTime":386.51,"body":"became"},{"speaker":"Rod Griffin","startTime":386.511,"endTime":386.6,"body":"a"},{"speaker":"Rod Griffin","startTime":386.601,"endTime":387.02,"body":"British"},{"speaker":"Rod Griffin","startTime":387.021,"endTime":387.68,"body":"company"},{"speaker":"Rod Griffin","startTime":387.74,"endTime":387.98,"body":"under"},{"speaker":"Rod Griffin","startTime":387.981,"endTime":388.91,"body":"GUS."},{"speaker":"Rod Griffin","startTime":388.97,"endTime":389.21,"body":"And"},{"speaker":"Rod Griffin","startTime":389.211,"endTime":389.54,"body":"a"},{"speaker":"Rod Griffin","startTime":389.57,"endTime":390.38,"body":"conglomerate"},{"speaker":"Rod Griffin","startTime":390.89,"endTime":391.28,"body":"that"},{"speaker":"Rod Griffin","startTime":391.31,"endTime":391.64,"body":"had"},{"speaker":"Rod Griffin","startTime":391.67,"endTime":392.21,"body":"us,"},{"speaker":"Rod Griffin","startTime":392.69,"endTime":392.93,"body":"the"},{"speaker":"Rod Griffin","startTime":392.931,"endTime":393.32,"body":"British"},{"speaker":"Rod Griffin","startTime":393.321,"endTime":393.83,"body":"version"},{"speaker":"Rod Griffin","startTime":393.831,"endTime":394.46,"body":"of"},{"speaker":"Rod Griffin","startTime":394.97,"endTime":395.36,"body":"like"},{"speaker":"Rod Griffin","startTime":395.361,"endTime":395.6,"body":"Home"},{"speaker":"Rod Griffin","startTime":395.601,"endTime":396.14,"body":"Depot"},{"speaker":"Rod Griffin","startTime":396.71,"endTime":397.22,"body":"and"},{"speaker":"Rod Griffin","startTime":397.94,"endTime":397.94,"body":"Burberry"},{"speaker":"Rod Griffin","startTime":398.15,"endTime":398.78,"body":"oddly."},{"speaker":"Rod Griffin","startTime":399.01,"endTime":399.29,"body":"So"},{"speaker":"Rod Griffin","startTime":399.291,"endTime":399.41,"body":"we"},{"speaker":"Rod Griffin","startTime":399.411,"endTime":399.56,"body":"could"},{"speaker":"Rod Griffin","startTime":399.561,"endTime":399.74,"body":"get"},{"speaker":"Rod Griffin","startTime":399.741,"endTime":399.77,"body":"a"},{"speaker":"Rod Griffin","startTime":399.771,"endTime":400.34,"body":"discount"},{"speaker":"Rod Griffin","startTime":400.341,"endTime":400.43,"body":"at"},{"speaker":"Rod Griffin","startTime":400.431,"endTime":400.94,"body":"Burberry"},{"speaker":"Rod Griffin","startTime":400.941,"endTime":401.21,"body":"for"},{"speaker":"Rod Griffin","startTime":401.211,"endTime":401.3,"body":"a"},{"speaker":"Rod Griffin","startTime":401.301,"endTime":401.69,"body":"while,"},{"speaker":"Rod Griffin","startTime":401.691,"endTime":401.87,"body":"and"},{"speaker":"Rod Griffin","startTime":401.871,"endTime":401.96,"body":"it"},{"speaker":"Rod Griffin","startTime":401.961,"endTime":402.2,"body":"still"},{"speaker":"Rod Griffin","startTime":402.201,"endTime":402.56,"body":"wasn't"},{"speaker":"Rod Griffin","startTime":402.561,"endTime":402.8,"body":"enough"},{"speaker":"Rod Griffin","startTime":402.801,"endTime":402.95,"body":"for"},{"speaker":"Rod Griffin","startTime":402.951,"endTime":403.1,"body":"me"},{"speaker":"Rod Griffin","startTime":403.101,"endTime":403.19,"body":"to"},{"speaker":"Rod Griffin","startTime":403.191,"endTime":403.49,"body":"shop"},{"speaker":"Rod Griffin","startTime":403.491,"endTime":403.67,"body":"there."},{"speaker":"Rod Griffin","startTime":404.27,"endTime":404.45,"body":"So"},{"speaker":"Rod Griffin","startTime":405.95,"endTime":406.19,"body":"we"},{"speaker":"Rod Griffin","startTime":406.191,"endTime":406.58,"body":"then"},{"speaker":"Rod Griffin","startTime":406.61,"endTime":407.18,"body":"GUS"},{"speaker":"Rod Griffin","startTime":407.181,"endTime":407.42,"body":"then"},{"speaker":"Rod Griffin","startTime":407.421,"endTime":408.08,"body":"divested"},{"speaker":"Rod Griffin","startTime":408.081,"endTime":408.17,"body":"and"},{"speaker":"Rod Griffin","startTime":408.171,"endTime":408.32,"body":"we"},{"speaker":"Rod Griffin","startTime":408.321,"endTime":409.01,"body":"became"},{"speaker":"Rod Griffin","startTime":409.04,"endTime":409.13,"body":"a"},{"speaker":"Rod Griffin","startTime":409.131,"endTime":409.58,"body":"publicly"},{"speaker":"Rod Griffin","startTime":409.581,"endTime":409.88,"body":"traded"},{"speaker":"Rod Griffin","startTime":409.881,"endTime":410.33,"body":"company."},{"speaker":"Rod Griffin","startTime":410.331,"endTime":410.54,"body":"We're"},{"speaker":"Rod Griffin","startTime":410.541,"endTime":410.99,"body":"actually"},{"speaker":"Rod Griffin","startTime":410.991,"endTime":411.44,"body":"traded"},{"speaker":"Rod Griffin","startTime":411.441,"endTime":411.62,"body":"on"},{"speaker":"Rod Griffin","startTime":411.621,"endTime":411.71,"body":"the"},{"speaker":"Rod Griffin","startTime":411.711,"endTime":412.04,"body":"London"},{"speaker":"Rod Griffin","startTime":412.041,"endTime":412.4,"body":"Stock"},{"speaker":"Rod Griffin","startTime":412.401,"endTime":413.09,"body":"Exchange."},{"speaker":"Rod Griffin","startTime":414.11,"endTime":414.44,"body":"Which"},{"speaker":"Rod Griffin","startTime":414.441,"endTime":414.59,"body":"then"},{"speaker":"Rod Griffin","startTime":414.591,"endTime":414.8,"body":"people"},{"speaker":"Rod Griffin","startTime":414.801,"endTime":414.98,"body":"go,"},{"speaker":"Rod Griffin","startTime":414.981,"endTime":415.25,"body":"okay,"},{"speaker":"Rod Griffin","startTime":415.251,"endTime":415.46,"body":"so"},{"speaker":"Rod Griffin","startTime":415.461,"endTime":415.52,"body":"a"},{"speaker":"Rod Griffin","startTime":415.521,"endTime":415.85,"body":"British"},{"speaker":"Rod Griffin","startTime":415.851,"endTime":416.21,"body":"company"},{"speaker":"Rod Griffin","startTime":416.211,"endTime":416.39,"body":"has"},{"speaker":"Rod Griffin","startTime":416.391,"endTime":416.51,"body":"my"},{"speaker":"Rod Griffin","startTime":416.511,"endTime":416.84,"body":"credit"},{"speaker":"Rod Griffin","startTime":416.841,"endTime":417.44,"body":"information"},{"speaker":"Rod Griffin","startTime":417.62,"endTime":418.28,"body":"and"},{"speaker":"Rod Griffin","startTime":418.43,"endTime":418.97,"body":"not"},{"speaker":"Rod Griffin","startTime":418.971,"endTime":419.51,"body":"exactly."},{"speaker":"Rod Griffin","startTime":420.02,"endTime":420.71,"body":"We"},{"speaker":"Rod Griffin","startTime":420.98,"endTime":421.55,"body":"operate"},{"speaker":"Rod Griffin","startTime":421.551,"endTime":422.63,"body":"independently"},{"speaker":"Rod Griffin","startTime":422.69,"endTime":422.84,"body":"in"},{"speaker":"Rod Griffin","startTime":422.841,"endTime":423.14,"body":"each"},{"speaker":"Rod Griffin","startTime":423.141,"endTime":423.68,"body":"nation."},{"speaker":"Rod Griffin","startTime":423.74,"endTime":424.19,"body":"Experian"},{"speaker":"Rod Griffin","startTime":424.191,"endTime":424.49,"body":"now"},{"speaker":"Rod Griffin","startTime":424.491,"endTime":424.79,"body":"is"},{"speaker":"Rod Griffin","startTime":424.791,"endTime":424.91,"body":"the"},{"speaker":"Rod Griffin","startTime":424.911,"endTime":425.42,"body":"largest"},{"speaker":"Rod Griffin","startTime":425.421,"endTime":425.93,"body":"information"},{"speaker":"Rod Griffin","startTime":425.931,"endTime":426.41,"body":"services"},{"speaker":"Rod Griffin","startTime":426.411,"endTime":426.95,"body":"company."},{"speaker":"Rod Griffin","startTime":427.46,"endTime":428.06,"body":"We"},{"speaker":"Rod Griffin","startTime":428.15,"endTime":428.72,"body":"operate"},{"speaker":"Rod Griffin","startTime":428.721,"endTime":428.84,"body":"in"},{"speaker":"Rod Griffin","startTime":428.841,"endTime":429.23,"body":"40"},{"speaker":"Rod Griffin","startTime":429.231,"endTime":429.59,"body":"different"},{"speaker":"Rod Griffin","startTime":429.591,"endTime":430.19,"body":"countries,"},{"speaker":"Rod Griffin","startTime":430.4,"endTime":430.79,"body":"but"},{"speaker":"Rod Griffin","startTime":431.0,"endTime":431.24,"body":"we"},{"speaker":"Rod Griffin","startTime":431.241,"endTime":431.78,"body":"operate"},{"speaker":"Rod Griffin","startTime":431.781,"endTime":432.11,"body":"within"},{"speaker":"Rod Griffin","startTime":432.111,"endTime":432.23,"body":"the"},{"speaker":"Rod Griffin","startTime":432.231,"endTime":432.68,"body":"bounds"},{"speaker":"Rod Griffin","startTime":432.681,"endTime":432.8,"body":"of"},{"speaker":"Rod Griffin","startTime":432.801,"endTime":432.89,"body":"the"},{"speaker":"Rod Griffin","startTime":432.891,"endTime":433.37,"body":"laws"},{"speaker":"Rod Griffin","startTime":433.371,"endTime":433.67,"body":"within"},{"speaker":"Rod Griffin","startTime":433.671,"endTime":433.91,"body":"those"},{"speaker":"Rod Griffin","startTime":433.911,"endTime":434.39,"body":"individual"},{"speaker":"Rod Griffin","startTime":434.391,"endTime":434.81,"body":"companies."},{"speaker":"Rod Griffin","startTime":434.811,"endTime":435.11,"body":"So"},{"speaker":"Rod Griffin","startTime":435.5,"endTime":435.65,"body":"in"},{"speaker":"Rod Griffin","startTime":435.651,"endTime":435.71,"body":"the"},{"speaker":"Rod Griffin","startTime":435.651,"endTime":435.71,"body":"US"},{"speaker":"Rod Griffin","startTime":435.711,"endTime":435.89,"body":"our"},{"speaker":"Rod Griffin","startTime":436.79,"endTime":437.15,"body":"US"},{"speaker":"Rod Griffin","startTime":437.151,"endTime":437.39,"body":"headquarters"},{"speaker":"Rod Griffin","startTime":437.75,"endTime":437.75,"body":"of"},{"speaker":"Rod Griffin","startTime":437.751,"endTime":437.96,"body":"North"},{"speaker":"Rod Griffin","startTime":437.961,"endTime":438.32,"body":"America"},{"speaker":"Rod Griffin","startTime":438.321,"endTime":438.98,"body":"Headquarters"},{"speaker":"Rod Griffin","startTime":438.981,"endTime":439.16,"body":"are"},{"speaker":"Rod Griffin","startTime":439.161,"endTime":439.28,"body":"in"},{"speaker":"Rod Griffin","startTime":439.281,"endTime":439.58,"body":"Costa"},{"speaker":"Rod Griffin","startTime":439.581,"endTime":439.85,"body":"Mesa,"},{"speaker":"Rod Griffin","startTime":439.851,"endTime":440.54,"body":"California,"},{"speaker":"Rod Griffin","startTime":441.08,"endTime":441.38,"body":"and"},{"speaker":"Rod Griffin","startTime":441.381,"endTime":441.56,"body":"your"},{"speaker":"Rod Griffin","startTime":441.561,"endTime":441.86,"body":"credit"},{"speaker":"Rod Griffin","startTime":441.861,"endTime":442.19,"body":"report"},{"speaker":"Rod Griffin","startTime":442.191,"endTime":442.43,"body":"never"},{"speaker":"Rod Griffin","startTime":442.431,"endTime":442.7,"body":"leaves"},{"speaker":"Rod Griffin","startTime":442.701,"endTime":442.79,"body":"the"},{"speaker":"Rod Griffin","startTime":442.791,"endTime":442.94,"body":"US."},{"speaker":"Rod Griffin","startTime":444.0,"endTime":444.2,"body":"In"},{"speaker":"Rod Griffin","startTime":444.201,"endTime":444.29,"body":"the"},{"speaker":"Rod Griffin","startTime":444.291,"endTime":444.98,"body":"UK,"},{"speaker":"Rod Griffin","startTime":445.79,"endTime":446.0,"body":"they"},{"speaker":"Rod Griffin","startTime":446.001,"endTime":446.15,"body":"have"},{"speaker":"Rod Griffin","startTime":446.151,"endTime":446.24,"body":"their"},{"speaker":"Rod Griffin","startTime":446.241,"endTime":446.39,"body":"own"},{"speaker":"Rod Griffin","startTime":446.391,"endTime":446.72,"body":"credit"},{"speaker":"Rod Griffin","startTime":446.721,"endTime":447.17,"body":"reports."},{"speaker":"Rod Griffin","startTime":447.53,"endTime":447.77,"body":"Our"},{"speaker":"Rod Griffin","startTime":447.771,"endTime":448.67,"body":"CEO"},{"speaker":"Rod Griffin","startTime":448.7,"endTime":449.0,"body":"Craig"},{"speaker":"Rod Griffin","startTime":449.001,"endTime":449.66,"body":"Boundy"},{"speaker":"Rod Griffin","startTime":450.26,"endTime":450.56,"body":"came"},{"speaker":"Rod Griffin","startTime":450.561,"endTime":450.68,"body":"to"},{"speaker":"Rod Griffin","startTime":450.681,"endTime":450.77,"body":"the"},{"speaker":"Rod Griffin","startTime":450.771,"endTime":450.92,"body":"US"},{"speaker":"Rod Griffin","startTime":451.071,"endTime":451.22,"body":"from"},{"speaker":"Rod Griffin","startTime":451.221,"endTime":451.28,"body":"the"},{"speaker":"Rod Griffin","startTime":451.281,"endTime":451.82,"body":"UK."},{"speaker":"Rod Griffin","startTime":451.821,"endTime":452.0,"body":"And"},{"speaker":"Rod Griffin","startTime":452.001,"endTime":452.21,"body":"when"},{"speaker":"Rod Griffin","startTime":452.211,"endTime":452.39,"body":"he"},{"speaker":"Rod Griffin","startTime":452.391,"endTime":452.69,"body":"did,"},{"speaker":"Rod Griffin","startTime":452.691,"endTime":452.84,"body":"he"},{"speaker":"Rod Griffin","startTime":452.841,"endTime":453.02,"body":"had"},{"speaker":"Rod Griffin","startTime":453.021,"endTime":453.08,"body":"to"},{"speaker":"Rod Griffin","startTime":453.081,"endTime":453.38,"body":"start"},{"speaker":"Rod Griffin","startTime":453.381,"endTime":453.53,"body":"all"},{"speaker":"Rod Griffin","startTime":453.531,"endTime":453.77,"body":"over"},{"speaker":"Rod Griffin","startTime":453.771,"endTime":454.04,"body":"again,"},{"speaker":"Rod Griffin","startTime":454.041,"endTime":454.37,"body":"because"},{"speaker":"Rod Griffin","startTime":454.371,"endTime":454.52,"body":"his"},{"speaker":"Rod Griffin","startTime":454.521,"endTime":455.0,"body":"UK"},{"speaker":"Rod Griffin","startTime":455.001,"endTime":455.45,"body":"Experian"},{"speaker":"Rod Griffin","startTime":455.451,"endTime":455.66,"body":"credit"},{"speaker":"Rod Griffin","startTime":455.661,"endTime":455.96,"body":"report"},{"speaker":"Rod Griffin","startTime":455.961,"endTime":456.14,"body":"didn't"},{"speaker":"Rod Griffin","startTime":456.141,"endTime":456.35,"body":"come"},{"speaker":"Rod Griffin","startTime":456.351,"endTime":456.53,"body":"with"},{"speaker":"Rod Griffin","startTime":456.531,"endTime":456.71,"body":"him."},{"speaker":"Rod Griffin","startTime":457.49,"endTime":458.03,"body":"So"},{"speaker":"Rod Griffin","startTime":458.33,"endTime":458.51,"body":"we"},{"speaker":"Rod Griffin","startTime":458.511,"endTime":458.72,"body":"don't,"},{"speaker":"Rod Griffin","startTime":459.02,"endTime":459.17,"body":"we"},{"speaker":"Rod Griffin","startTime":459.171,"endTime":459.41,"body":"don't"},{"speaker":"Rod Griffin","startTime":459.411,"endTime":459.86,"body":"transfer"},{"speaker":"Rod Griffin","startTime":459.861,"endTime":460.13,"body":"data"},{"speaker":"Rod Griffin","startTime":460.131,"endTime":460.43,"body":"across"},{"speaker":"Rod Griffin","startTime":460.431,"endTime":460.73,"body":"national"},{"speaker":"Rod Griffin","startTime":460.731,"endTime":461.15,"body":"boundaries."},{"speaker":"Rod Griffin","startTime":461.151,"endTime":461.48,"body":"So"},{"speaker":"Rod Griffin","startTime":461.63,"endTime":461.9,"body":"while"},{"speaker":"Rod Griffin","startTime":461.901,"endTime":462.08,"body":"we're"},{"speaker":"Rod Griffin","startTime":462.081,"endTime":462.2,"body":"globally,"},{"speaker":"Rod Griffin","startTime":463.101,"endTime":463.22,"body":"a"},{"speaker":"Rod Griffin","startTime":463.221,"endTime":463.58,"body":"British"},{"speaker":"Rod Griffin","startTime":463.61,"endTime":464.09,"body":"company,"},{"speaker":"Rod Griffin","startTime":464.6,"endTime":464.78,"body":"in"},{"speaker":"Rod Griffin","startTime":464.781,"endTime":464.87,"body":"the"},{"speaker":"Rod Griffin","startTime":464.871,"endTime":465.08,"body":"U"},{"speaker":"Rod Griffin","startTime":465.081,"endTime":465.35,"body":"S"},{"speaker":"Rod Griffin","startTime":465.351,"endTime":465.47,"body":"you"},{"speaker":"Rod Griffin","startTime":465.471,"endTime":465.65,"body":"have"},{"speaker":"Rod Griffin","startTime":465.651,"endTime":465.68,"body":"a"},{"speaker":"Rod Griffin","startTime":465.681,"endTime":466.01,"body":"us"},{"speaker":"Rod Griffin","startTime":466.011,"endTime":466.28,"body":"credit"},{"speaker":"Rod Griffin","startTime":466.281,"endTime":466.76,"body":"report,"},{"speaker":"Rod Griffin","startTime":467.34,"endTime":467.78,"body":"and"},{"speaker":"Rod Griffin","startTime":467.781,"endTime":468.05,"body":"we"},{"speaker":"Rod Griffin","startTime":468.051,"endTime":468.23,"body":"do"},{"speaker":"Rod Griffin","startTime":468.231,"endTime":468.53,"body":"not"},{"speaker":"Rod Griffin","startTime":468.531,"endTime":468.8,"body":"share"},{"speaker":"Rod Griffin","startTime":468.801,"endTime":468.92,"body":"it"},{"speaker":"Rod Griffin","startTime":468.921,"endTime":469.25,"body":"across"},{"speaker":"Rod Griffin","startTime":469.251,"endTime":469.55,"body":"national"},{"speaker":"Rod Griffin","startTime":469.551,"endTime":470.03,"body":"boundaries."},{"speaker":"Dr. Mary Bell Carlson","startTime":470.38,"endTime":470.47,"body":"That"},{"speaker":"Dr. Mary Bell Carlson","startTime":470.471,"endTime":470.71,"body":"leads"},{"speaker":"Dr. Mary Bell Carlson","startTime":470.711,"endTime":470.89,"body":"me"},{"speaker":"Dr. Mary Bell Carlson","startTime":470.891,"endTime":471.01,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":471.011,"endTime":471.19,"body":"my"},{"speaker":"Dr. Mary Bell Carlson","startTime":471.191,"endTime":471.46,"body":"next"},{"speaker":"Dr. Mary Bell Carlson","startTime":471.461,"endTime":471.82,"body":"question"},{"speaker":"Dr. Mary Bell Carlson","startTime":471.821,"endTime":472.03,"body":"for"},{"speaker":"Dr. Mary Bell Carlson","startTime":472.031,"endTime":472.27,"body":"you."},{"speaker":"Dr. Mary Bell Carlson","startTime":472.33,"endTime":472.66,"body":"How"},{"speaker":"Dr. Mary Bell Carlson","startTime":472.81,"endTime":472.81,"body":"is"},{"speaker":"Dr. Mary Bell Carlson","startTime":472.811,"endTime":472.93,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":472.931,"endTime":473.26,"body":"credit"},{"speaker":"Dr. Mary Bell Carlson","startTime":473.261,"endTime":473.71,"body":"industry"},{"speaker":"Dr. Mary Bell Carlson","startTime":473.711,"endTime":474.04,"body":"different"},{"speaker":"Dr. Mary Bell Carlson","startTime":474.041,"endTime":474.34,"body":"here"},{"speaker":"Dr. Mary Bell Carlson","startTime":474.341,"endTime":474.46,"body":"in"},{"speaker":"Dr. Mary Bell Carlson","startTime":474.461,"endTime":474.55,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":474.551,"endTime":474.7,"body":"US"},{"speaker":"Dr. Mary Bell Carlson","startTime":474.99,"endTime":475.18,"body":"than"},{"speaker":"Dr. Mary Bell Carlson","startTime":475.181,"endTime":475.3,"body":"it"},{"speaker":"Dr. Mary Bell Carlson","startTime":475.301,"endTime":475.6,"body":"is"},{"speaker":"Dr. Mary Bell Carlson","startTime":475.63,"endTime":475.81,"body":"in"},{"speaker":"Dr. Mary Bell Carlson","startTime":475.811,"endTime":476.05,"body":"other"},{"speaker":"Dr. Mary Bell Carlson","startTime":476.051,"endTime":476.68,"body":"countries?"},{"speaker":"Rod Griffin","startTime":477.16,"endTime":477.46,"body":"Very"},{"speaker":"Rod Griffin","startTime":477.461,"endTime":478.06,"body":"different"},{"speaker":"Rod Griffin","startTime":478.06,"endTime":478.06,"body":","},{"speaker":"Rod Griffin","startTime":478.15,"endTime":478.39,"body":"and"},{"speaker":"Rod Griffin","startTime":479.141,"endTime":479.35,"body":"much"},{"speaker":"Rod Griffin","startTime":479.351,"endTime":479.53,"body":"more"},{"speaker":"Rod Griffin","startTime":479.531,"endTime":480.13,"body":"mature."},{"speaker":"Rod Griffin","startTime":480.64,"endTime":481.24,"body":"We"},{"speaker":"Rod Griffin","startTime":481.72,"endTime":482.11,"body":"were"},{"speaker":"Rod Griffin","startTime":482.111,"endTime":482.29,"body":"the"},{"speaker":"Rod Griffin","startTime":482.291,"endTime":482.83,"body":"first"},{"speaker":"Rod Griffin","startTime":483.37,"endTime":483.67,"body":"to"},{"speaker":"Rod Griffin","startTime":483.671,"endTime":484.0,"body":"really"},{"speaker":"Rod Griffin","startTime":484.001,"endTime":484.48,"body":"have"},{"speaker":"Rod Griffin","startTime":484.481,"endTime":484.76,"body":"a"},{"speaker":"Rod Griffin","startTime":484.99,"endTime":485.26,"body":"credit"},{"speaker":"Rod Griffin","startTime":485.261,"endTime":485.83,"body":"reporting"},{"speaker":"Rod Griffin","startTime":486.1,"endTime":486.73,"body":"system"},{"speaker":"Rod Griffin","startTime":486.731,"endTime":486.97,"body":"like"},{"speaker":"Rod Griffin","startTime":486.971,"endTime":487.12,"body":"we"},{"speaker":"Rod Griffin","startTime":487.121,"endTime":487.57,"body":"do."},{"speaker":"Rod Griffin","startTime":488.08,"endTime":488.32,"body":"And"},{"speaker":"Rod Griffin","startTime":488.8,"endTime":488.95,"body":"the"},{"speaker":"Rod Griffin","startTime":488.951,"endTime":489.16,"body":"Big"},{"speaker":"Rod Griffin","startTime":489.19,"endTime":489.46,"body":"Three"},{"speaker":"Rod Griffin","startTime":489.49,"endTime":489.67,"body":"kind"},{"speaker":"Rod Griffin","startTime":489.671,"endTime":489.76,"body":"of"},{"speaker":"Rod Griffin","startTime":489.761,"endTime":490.24,"body":"circling"},{"speaker":"Rod Griffin","startTime":490.241,"endTime":490.6,"body":"back,"},{"speaker":"Rod Griffin","startTime":490.601,"endTime":490.78,"body":"we"},{"speaker":"Rod Griffin","startTime":490.781,"endTime":490.99,"body":"all"},{"speaker":"Rod Griffin","startTime":490.991,"endTime":491.38,"body":"operate"},{"speaker":"Rod Griffin","startTime":491.381,"endTime":491.77,"body":"nationally"},{"speaker":"Rod Griffin","startTime":491.771,"endTime":491.98,"body":"now"},{"speaker":"Rod Griffin","startTime":492.01,"endTime":492.34,"body":"compete"},{"speaker":"Rod Griffin","startTime":492.341,"endTime":492.7,"body":"against"},{"speaker":"Rod Griffin","startTime":492.701,"endTime":492.91,"body":"each"},{"speaker":"Rod Griffin","startTime":492.911,"endTime":493.3,"body":"other."},{"speaker":"Rod Griffin","startTime":493.75,"endTime":493.99,"body":"Kind"},{"speaker":"Rod Griffin","startTime":493.991,"endTime":494.08,"body":"of"},{"speaker":"Rod Griffin","startTime":494.081,"endTime":494.32,"body":"like"},{"speaker":"Rod Griffin","startTime":494.321,"endTime":494.44,"body":"if"},{"speaker":"Rod Griffin","startTime":494.441,"endTime":494.53,"body":"you"},{"speaker":"Rod Griffin","startTime":494.531,"endTime":494.74,"body":"think"},{"speaker":"Rod Griffin","startTime":494.741,"endTime":495.16,"body":"about"},{"speaker":"Rod Griffin","startTime":495.52,"endTime":495.97,"body":"General"},{"speaker":"Rod Griffin","startTime":495.971,"endTime":496.33,"body":"Motors"},{"speaker":"Rod Griffin","startTime":496.331,"endTime":496.42,"body":"and"},{"speaker":"Rod Griffin","startTime":496.421,"endTime":496.75,"body":"Ford"},{"speaker":"Rod Griffin","startTime":497.05,"endTime":497.23,"body":"and"},{"speaker":"Rod Griffin","startTime":497.231,"endTime":497.8,"body":"Chrysler"},{"speaker":"Rod Griffin","startTime":497.8,"endTime":497.8,"body":","},{"speaker":"Rod Griffin","startTime":498.31,"endTime":498.4,"body":"you"},{"speaker":"Rod Griffin","startTime":498.401,"endTime":498.46,"body":"know,"},{"speaker":"Rod Griffin","startTime":498.461,"endTime":498.61,"body":"they"},{"speaker":"Rod Griffin","startTime":498.611,"endTime":498.76,"body":"all"},{"speaker":"Rod Griffin","startTime":498.761,"endTime":499.03,"body":"build"},{"speaker":"Rod Griffin","startTime":499.031,"endTime":499.54,"body":"cars,"},{"speaker":"Rod Griffin","startTime":499.9,"endTime":500.08,"body":"but"},{"speaker":"Rod Griffin","startTime":500.081,"endTime":500.2,"body":"they"},{"speaker":"Rod Griffin","startTime":500.201,"endTime":500.68,"body":"compete."},{"speaker":"Rod Griffin","startTime":500.8,"endTime":500.89,"body":"We"},{"speaker":"Rod Griffin","startTime":501.101,"endTime":501.25,"body":"do"},{"speaker":"Rod Griffin","startTime":501.251,"endTime":501.37,"body":"the"},{"speaker":"Rod Griffin","startTime":501.371,"endTime":501.64,"body":"same"},{"speaker":"Rod Griffin","startTime":501.641,"endTime":501.82,"body":"thing"},{"speaker":"Rod Griffin","startTime":501.821,"endTime":501.94,"body":"with"},{"speaker":"Rod Griffin","startTime":501.941,"endTime":502.18,"body":"credit"},{"speaker":"Rod Griffin","startTime":502.181,"endTime":502.63,"body":"reporting."},{"speaker":"Rod Griffin","startTime":502.631,"endTime":502.78,"body":"We"},{"speaker":"Rod Griffin","startTime":502.781,"endTime":503.26,"body":"believe"},{"speaker":"Rod Griffin","startTime":503.31,"endTime":503.44,"body":"that"},{"speaker":"Rod Griffin","startTime":503.441,"endTime":503.89,"body":"Experian,"},{"speaker":"Rod Griffin","startTime":503.891,"endTime":504.01,"body":"we"},{"speaker":"Rod Griffin","startTime":504.011,"endTime":504.19,"body":"have"},{"speaker":"Rod Griffin","startTime":504.191,"endTime":504.25,"body":"the"},{"speaker":"Rod Griffin","startTime":504.251,"endTime":504.61,"body":"best,"},{"speaker":"Rod Griffin","startTime":504.611,"endTime":504.85,"body":"most"},{"speaker":"Rod Griffin","startTime":504.851,"endTime":505.18,"body":"accurate,"},{"speaker":"Rod Griffin","startTime":505.181,"endTime":505.36,"body":"most"},{"speaker":"Rod Griffin","startTime":505.361,"endTime":505.87,"body":"complete"},{"speaker":"Rod Griffin","startTime":506.35,"endTime":506.62,"body":"credit"},{"speaker":"Rod Griffin","startTime":506.621,"endTime":507.04,"body":"reporting"},{"speaker":"Rod Griffin","startTime":507.041,"endTime":507.67,"body":"system"},{"speaker":"Rod Griffin","startTime":507.67,"endTime":507.67,"body":","},{"speaker":"Rod Griffin","startTime":508.16,"endTime":508.78,"body":"in"},{"speaker":"Rod Griffin","startTime":508.81,"endTime":508.93,"body":"the"},{"speaker":"Rod Griffin","startTime":508.931,"endTime":509.5,"body":"country."},{"speaker":"Rod Griffin","startTime":510.07,"endTime":510.79,"body":"But,"},{"speaker":"Rod Griffin","startTime":511.39,"endTime":511.54,"body":"you"},{"speaker":"Rod Griffin","startTime":511.541,"endTime":511.72,"body":"know,"},{"speaker":"Rod Griffin","startTime":511.721,"endTime":512.05,"body":"we,"},{"speaker":"Rod Griffin","startTime":512.08,"endTime":512.59,"body":"we"},{"speaker":"Rod Griffin","startTime":512.68,"endTime":512.83,"body":"in"},{"speaker":"Rod Griffin","startTime":512.831,"endTime":512.92,"body":"the"},{"speaker":"Rod Griffin","startTime":512.921,"endTime":513.79,"body":"US,"},{"speaker":"Rod Griffin","startTime":514.12,"endTime":514.78,"body":"because"},{"speaker":"Rod Griffin","startTime":514.781,"endTime":514.9,"body":"of"},{"speaker":"Rod Griffin","startTime":514.901,"endTime":515.14,"body":"our"},{"speaker":"Rod Griffin","startTime":515.141,"endTime":515.65,"body":"automated"},{"speaker":"Rod Griffin","startTime":515.651,"endTime":515.89,"body":"credit"},{"speaker":"Rod Griffin","startTime":515.891,"endTime":516.25,"body":"reporting"},{"speaker":"Rod Griffin","startTime":516.251,"endTime":516.67,"body":"system,"},{"speaker":"Rod Griffin","startTime":516.671,"endTime":517.09,"body":"enable"},{"speaker":"Rod Griffin","startTime":517.091,"endTime":517.42,"body":"people"},{"speaker":"Rod Griffin","startTime":517.421,"endTime":517.57,"body":"to"},{"speaker":"Rod Griffin","startTime":517.571,"endTime":517.84,"body":"move"},{"speaker":"Rod Griffin","startTime":517.841,"endTime":518.02,"body":"from"},{"speaker":"Rod Griffin","startTime":518.021,"endTime":518.26,"body":"one"},{"speaker":"Rod Griffin","startTime":518.261,"endTime":518.53,"body":"part"},{"speaker":"Rod Griffin","startTime":518.531,"endTime":518.59,"body":"of"},{"speaker":"Rod Griffin","startTime":518.591,"endTime":518.71,"body":"the"},{"speaker":"Rod Griffin","startTime":518.711,"endTime":519.01,"body":"country"},{"speaker":"Rod Griffin","startTime":519.011,"endTime":519.13,"body":"to"},{"speaker":"Rod Griffin","startTime":519.131,"endTime":519.37,"body":"another."},{"speaker":"Rod Griffin","startTime":519.371,"endTime":519.49,"body":"So"},{"speaker":"Rod Griffin","startTime":519.491,"endTime":519.58,"body":"if"},{"speaker":"Rod Griffin","startTime":519.581,"endTime":519.67,"body":"you"},{"speaker":"Rod Griffin","startTime":519.671,"endTime":519.85,"body":"move"},{"speaker":"Rod Griffin","startTime":519.851,"endTime":519.94,"body":"from"},{"speaker":"Rod Griffin","startTime":519.941,"endTime":520.33,"body":"New"},{"speaker":"Rod Griffin","startTime":520.33,"endTime":520.33,"body":"York"},{"speaker":"Rod Griffin","startTime":520.36,"endTime":520.42,"body":"to"},{"speaker":"Rod Griffin","startTime":520.421,"endTime":520.63,"body":"Los"},{"speaker":"Rod Griffin","startTime":520.631,"endTime":521.11,"body":"Angeles,"},{"speaker":"Rod Griffin","startTime":521.59,"endTime":521.8,"body":"you"},{"speaker":"Rod Griffin","startTime":521.801,"endTime":522.34,"body":"maintain"},{"speaker":"Rod Griffin","startTime":522.341,"endTime":522.49,"body":"that"},{"speaker":"Rod Griffin","startTime":522.491,"endTime":522.79,"body":"credit"},{"speaker":"Rod Griffin","startTime":522.791,"endTime":523.15,"body":"history."},{"speaker":"Rod Griffin","startTime":523.151,"endTime":523.3,"body":"It's"},{"speaker":"Rod Griffin","startTime":523.301,"endTime":523.57,"body":"there"},{"speaker":"Rod Griffin","startTime":523.571,"endTime":523.69,"body":"to"},{"speaker":"Rod Griffin","startTime":523.691,"endTime":523.93,"body":"work"},{"speaker":"Rod Griffin","startTime":523.931,"endTime":524.2,"body":"for"},{"speaker":"Rod Griffin","startTime":524.201,"endTime":524.35,"body":"you"},{"speaker":"Rod Griffin","startTime":524.351,"endTime":524.53,"body":"as"},{"speaker":"Rod Griffin","startTime":524.531,"endTime":524.59,"body":"a"},{"speaker":"Rod Griffin","startTime":524.591,"endTime":525.07,"body":"consumer,"},{"speaker":"Rod Griffin","startTime":525.071,"endTime":525.19,"body":"you"},{"speaker":"Rod Griffin","startTime":525.191,"endTime":525.37,"body":"can"},{"speaker":"Rod Griffin","startTime":525.371,"endTime":525.61,"body":"buy"},{"speaker":"Rod Griffin","startTime":525.611,"endTime":525.7,"body":"a"},{"speaker":"Rod Griffin","startTime":525.701,"endTime":526.06,"body":"house,"},{"speaker":"Rod Griffin","startTime":526.061,"endTime":526.3,"body":"get"},{"speaker":"Rod Griffin","startTime":526.301,"endTime":526.33,"body":"a"},{"speaker":"Rod Griffin","startTime":526.331,"endTime":526.78,"body":"car,"},{"speaker":"Rod Griffin","startTime":527.11,"endTime":527.26,"body":"it"},{"speaker":"Rod Griffin","startTime":527.261,"endTime":527.47,"body":"might"},{"speaker":"Rod Griffin","startTime":527.471,"endTime":527.62,"body":"play"},{"speaker":"Rod Griffin","startTime":527.621,"endTime":527.68,"body":"a"},{"speaker":"Rod Griffin","startTime":527.681,"endTime":527.98,"body":"part"},{"speaker":"Rod Griffin","startTime":527.981,"endTime":528.07,"body":"in"},{"speaker":"Rod Griffin","startTime":528.071,"endTime":528.34,"body":"getting"},{"speaker":"Rod Griffin","startTime":528.341,"endTime":528.43,"body":"the"},{"speaker":"Rod Griffin","startTime":528.431,"endTime":528.79,"body":"job"},{"speaker":"Rod Griffin","startTime":528.791,"endTime":528.97,"body":"that"},{"speaker":"Rod Griffin","startTime":528.971,"endTime":529.09,"body":"you're"},{"speaker":"Rod Griffin","startTime":529.091,"endTime":529.45,"body":"moving"},{"speaker":"Rod Griffin","startTime":529.091,"endTime":529.45,"body":"for."},{"speaker":"Rod Griffin","startTime":529.091,"endTime":529.45,"body":"And"},{"speaker":"Rod Griffin","startTime":531.37,"endTime":531.52,"body":"you"},{"speaker":"Rod Griffin","startTime":531.521,"endTime":531.7,"body":"can"},{"speaker":"Rod Griffin","startTime":531.701,"endTime":532.21,"body":"furnish"},{"speaker":"Rod Griffin","startTime":532.24,"endTime":532.45,"body":"your"},{"speaker":"Rod Griffin","startTime":532.451,"endTime":532.63,"body":"new"},{"speaker":"Rod Griffin","startTime":532.631,"endTime":533.14,"body":"apartment"},{"speaker":"Rod Griffin","startTime":533.141,"endTime":533.23,"body":"or"},{"speaker":"Rod Griffin","startTime":533.231,"endTime":533.38,"body":"your"},{"speaker":"Rod Griffin","startTime":533.381,"endTime":533.53,"body":"new"},{"speaker":"Rod Griffin","startTime":533.531,"endTime":534.1,"body":"house,"},{"speaker":"Rod Griffin","startTime":534.49,"endTime":534.94,"body":"and"},{"speaker":"Rod Griffin","startTime":534.96,"endTime":535.26,"body":"still"},{"speaker":"Rod Griffin","startTime":535.261,"endTime":535.41,"body":"have"},{"speaker":"Rod Griffin","startTime":535.411,"endTime":535.83,"body":"access"},{"speaker":"Rod Griffin","startTime":535.831,"endTime":535.95,"body":"to"},{"speaker":"Rod Griffin","startTime":535.951,"endTime":536.43,"body":"financial"},{"speaker":"Rod Griffin","startTime":536.431,"endTime":537.0,"body":"services"},{"speaker":"Rod Griffin","startTime":537.001,"endTime":537.12,"body":"that"},{"speaker":"Rod Griffin","startTime":537.121,"endTime":537.24,"body":"you"},{"speaker":"Rod Griffin","startTime":537.241,"endTime":537.39,"body":"would"},{"speaker":"Rod Griffin","startTime":537.391,"endTime":537.72,"body":"need."},{"speaker":"Rod Griffin","startTime":538.47,"endTime":538.65,"body":"In"},{"speaker":"Rod Griffin","startTime":538.651,"endTime":538.98,"body":"other"},{"speaker":"Rod Griffin","startTime":538.981,"endTime":539.25,"body":"parts"},{"speaker":"Rod Griffin","startTime":539.251,"endTime":539.34,"body":"of"},{"speaker":"Rod Griffin","startTime":539.341,"endTime":539.43,"body":"the"},{"speaker":"Rod Griffin","startTime":539.431,"endTime":539.82,"body":"world."},{"speaker":"Rod Griffin","startTime":539.85,"endTime":540.18,"body":"It's,"},{"speaker":"Rod Griffin","startTime":540.181,"endTime":540.57,"body":"it's"},{"speaker":"Rod Griffin","startTime":540.72,"endTime":541.26,"body":"considerably"},{"speaker":"Rod Griffin","startTime":541.261,"endTime":541.59,"body":"different"},{"speaker":"Rod Griffin","startTime":541.68,"endTime":541.68,"body":"than"},{"speaker":"Rod Griffin","startTime":541.681,"endTime":541.86,"body":"some"},{"speaker":"Rod Griffin","startTime":541.861,"endTime":542.22,"body":"places."},{"speaker":"Rod Griffin","startTime":542.221,"endTime":542.37,"body":"They"},{"speaker":"Rod Griffin","startTime":542.371,"endTime":542.67,"body":"don't"},{"speaker":"Rod Griffin","startTime":542.671,"endTime":543.15,"body":"have"},{"speaker":"Rod Griffin","startTime":543.151,"endTime":543.45,"body":"credit"},{"speaker":"Rod Griffin","startTime":543.451,"endTime":543.99,"body":"reporting"},{"speaker":"Rod Griffin","startTime":544.41,"endTime":544.59,"body":"at"},{"speaker":"Rod Griffin","startTime":544.591,"endTime":545.01,"body":"all."},{"speaker":"Rod Griffin","startTime":545.07,"endTime":545.34,"body":"And"},{"speaker":"Rod Griffin","startTime":545.82,"endTime":546.33,"body":"so"},{"speaker":"Rod Griffin","startTime":546.39,"endTime":546.93,"body":"you,"},{"speaker":"Rod Griffin","startTime":547.23,"endTime":547.38,"body":"if"},{"speaker":"Rod Griffin","startTime":547.381,"endTime":547.5,"body":"you"},{"speaker":"Rod Griffin","startTime":547.501,"endTime":547.86,"body":"have"},{"speaker":"Rod Griffin","startTime":548.1,"endTime":548.49,"body":"credit"},{"speaker":"Rod Griffin","startTime":548.491,"endTime":549.12,"body":"agreements,"},{"speaker":"Rod Griffin","startTime":549.121,"endTime":549.3,"body":"it's"},{"speaker":"Rod Griffin","startTime":549.301,"endTime":549.66,"body":"based"},{"speaker":"Rod Griffin","startTime":549.661,"endTime":549.81,"body":"on"},{"speaker":"Rod Griffin","startTime":549.811,"endTime":550.47,"body":"individual"},{"speaker":"Rod Griffin","startTime":550.471,"endTime":550.89,"body":"personal"},{"speaker":"Rod Griffin","startTime":551.57,"endTime":551.57,"body":"relationships"},{"speaker":"Rod Griffin","startTime":551.57,"endTime":551.57,"body":","},{"speaker":"Rod Griffin","startTime":551.571,"endTime":551.97,"body":"still."},{"speaker":"Rod Griffin","startTime":552.54,"endTime":552.75,"body":"In"},{"speaker":"Rod Griffin","startTime":552.751,"endTime":553.05,"body":"other"},{"speaker":"Rod Griffin","startTime":553.051,"endTime":553.44,"body":"parts"},{"speaker":"Rod Griffin","startTime":553.441,"endTime":553.56,"body":"of"},{"speaker":"Rod Griffin","startTime":553.561,"endTime":553.68,"body":"the"},{"speaker":"Rod Griffin","startTime":553.681,"endTime":554.28,"body":"world,"},{"speaker":"Rod Griffin","startTime":554.85,"endTime":555.3,"body":"credit"},{"speaker":"Rod Griffin","startTime":555.301,"endTime":555.81,"body":"reporting"},{"speaker":"Rod Griffin","startTime":555.811,"endTime":556.14,"body":"is"},{"speaker":"Rod Griffin","startTime":556.141,"endTime":556.8,"body":"solely"},{"speaker":"Rod Griffin","startTime":556.801,"endTime":557.46,"body":"negative"},{"speaker":"Rod Griffin","startTime":557.461,"endTime":558.09,"body":"information."},{"speaker":"Rod Griffin","startTime":558.091,"endTime":558.27,"body":"So"},{"speaker":"Rod Griffin","startTime":558.271,"endTime":558.42,"body":"you"},{"speaker":"Rod Griffin","startTime":558.421,"endTime":558.84,"body":"wouldn't"},{"speaker":"Rod Griffin","startTime":558.87,"endTime":559.26,"body":"have"},{"speaker":"Rod Griffin","startTime":559.261,"endTime":559.35,"body":"a"},{"speaker":"Rod Griffin","startTime":559.351,"endTime":559.65,"body":"credit"},{"speaker":"Rod Griffin","startTime":559.651,"endTime":560.1,"body":"history"},{"speaker":"Rod Griffin","startTime":560.43,"endTime":560.82,"body":"unless"},{"speaker":"Rod Griffin","startTime":560.821,"endTime":560.97,"body":"you've"},{"speaker":"Rod Griffin","startTime":560.971,"endTime":561.27,"body":"messed"},{"speaker":"Rod Griffin","startTime":561.271,"endTime":561.48,"body":"up"},{"speaker":"Rod Griffin","startTime":561.69,"endTime":561.84,"body":"and"},{"speaker":"Rod Griffin","startTime":561.841,"endTime":562.11,"body":"haven't"},{"speaker":"Rod Griffin","startTime":562.111,"endTime":562.32,"body":"paid"},{"speaker":"Rod Griffin","startTime":562.321,"endTime":562.44,"body":"your"},{"speaker":"Rod Griffin","startTime":562.441,"endTime":562.86,"body":"debts."},{"speaker":"Rod Griffin","startTime":563.43,"endTime":563.97,"body":"We"},{"speaker":"Rod Griffin","startTime":563.971,"endTime":564.33,"body":"believe"},{"speaker":"Rod Griffin","startTime":564.331,"endTime":564.45,"body":"in"},{"speaker":"Rod Griffin","startTime":564.451,"endTime":564.51,"body":"the"},{"speaker":"Rod Griffin","startTime":564.511,"endTime":564.63,"body":"US"},{"speaker":"Rod Griffin","startTime":565.44,"endTime":565.89,"body":"that,"},{"speaker":"Rod Griffin","startTime":566.82,"endTime":567.0,"body":"what"},{"speaker":"Rod Griffin","startTime":567.001,"endTime":567.12,"body":"we"},{"speaker":"Rod Griffin","startTime":567.121,"endTime":567.3,"body":"call"},{"speaker":"Rod Griffin","startTime":567.301,"endTime":567.57,"body":"full"},{"speaker":"Rod Griffin","startTime":567.571,"endTime":567.9,"body":"file"},{"speaker":"Rod Griffin","startTime":567.901,"endTime":568.17,"body":"credit"},{"speaker":"Rod Griffin","startTime":568.171,"endTime":568.71,"body":"reporting."},{"speaker":"Rod Griffin","startTime":568.711,"endTime":568.89,"body":"So"},{"speaker":"Rod Griffin","startTime":568.891,"endTime":569.25,"body":"having"},{"speaker":"Rod Griffin","startTime":569.251,"endTime":569.85,"body":"positive"},{"speaker":"Rod Griffin","startTime":569.851,"endTime":570.15,"body":"and"},{"speaker":"Rod Griffin","startTime":570.151,"endTime":570.51,"body":"negative"},{"speaker":"Rod Griffin","startTime":570.511,"endTime":571.02,"body":"information"},{"speaker":"Rod Griffin","startTime":571.021,"endTime":571.59,"body":"reported"},{"speaker":"Rod Griffin","startTime":572.13,"endTime":572.52,"body":"helps"},{"speaker":"Rod Griffin","startTime":572.521,"endTime":573.18,"body":"people"},{"speaker":"Rod Griffin","startTime":573.6,"endTime":574.05,"body":"build"},{"speaker":"Rod Griffin","startTime":574.051,"endTime":574.11,"body":"a"},{"speaker":"Rod Griffin","startTime":574.111,"endTime":574.35,"body":"credit"},{"speaker":"Rod Griffin","startTime":574.351,"endTime":574.74,"body":"history,"},{"speaker":"Rod Griffin","startTime":574.741,"endTime":574.95,"body":"have"},{"speaker":"Rod Griffin","startTime":574.951,"endTime":574.98,"body":"a"},{"speaker":"Rod Griffin","startTime":574.981,"endTime":575.28,"body":"tool"},{"speaker":"Rod Griffin","startTime":575.281,"endTime":575.46,"body":"that's"},{"speaker":"Rod Griffin","startTime":575.461,"endTime":575.61,"body":"there"},{"speaker":"Rod Griffin","startTime":575.611,"endTime":575.73,"body":"to"},{"speaker":"Rod Griffin","startTime":575.731,"endTime":575.97,"body":"work"},{"speaker":"Rod Griffin","startTime":575.971,"endTime":576.18,"body":"for"},{"speaker":"Rod Griffin","startTime":576.181,"endTime":576.45,"body":"them"},{"speaker":"Rod Griffin","startTime":576.78,"endTime":577.11,"body":"because"},{"speaker":"Rod Griffin","startTime":577.111,"endTime":577.2,"body":"it"},{"speaker":"Rod Griffin","startTime":577.201,"endTime":577.44,"body":"shows"},{"speaker":"Rod Griffin","startTime":577.441,"endTime":577.56,"body":"that"},{"speaker":"Rod Griffin","startTime":577.561,"endTime":577.68,"body":"you're"},{"speaker":"Rod Griffin","startTime":577.681,"endTime":577.74,"body":"a"},{"speaker":"Rod Griffin","startTime":577.741,"endTime":577.92,"body":"good"},{"speaker":"Rod Griffin","startTime":577.921,"endTime":578.22,"body":"credit"},{"speaker":"Rod Griffin","startTime":578.221,"endTime":578.58,"body":"risk."},{"speaker":"Rod Griffin","startTime":579.18,"endTime":579.54,"body":"And"},{"speaker":"Rod Griffin","startTime":580.32,"endTime":580.71,"body":"the"},{"speaker":"Rod Griffin","startTime":580.95,"endTime":581.16,"body":"kind"},{"speaker":"Rod Griffin","startTime":581.161,"endTime":581.28,"body":"of"},{"speaker":"Rod Griffin","startTime":581.281,"endTime":581.46,"body":"the"},{"speaker":"Rod Griffin","startTime":581.461,"endTime":581.64,"body":"end"},{"speaker":"Rod Griffin","startTime":581.641,"endTime":582.18,"body":"result"},{"speaker":"Rod Griffin","startTime":582.181,"endTime":582.72,"body":"there"},{"speaker":"Rod Griffin","startTime":582.75,"endTime":583.17,"body":"is"},{"speaker":"Rod Griffin","startTime":583.171,"endTime":583.5,"body":"that"},{"speaker":"Rod Griffin","startTime":583.68,"endTime":584.13,"body":"credit"},{"speaker":"Rod Griffin","startTime":584.131,"endTime":584.25,"body":"in"},{"speaker":"Rod Griffin","startTime":584.251,"endTime":584.34,"body":"the"},{"speaker":"Rod Griffin","startTime":584.341,"endTime":584.55,"body":"US"},{"speaker":"Rod Griffin","startTime":585.03,"endTime":585.03,"body":"has"},{"speaker":"Rod Griffin","startTime":585.031,"endTime":585.36,"body":"lower"},{"speaker":"Rod Griffin","startTime":585.99,"endTime":585.99,"body":"cost"},{"speaker":"Rod Griffin","startTime":586.02,"endTime":586.2,"body":"than"},{"speaker":"Rod Griffin","startTime":586.201,"endTime":586.44,"body":"just"},{"speaker":"Rod Griffin","startTime":586.441,"endTime":586.71,"body":"about"},{"speaker":"Rod Griffin","startTime":586.711,"endTime":587.07,"body":"anywhere"},{"speaker":"Rod Griffin","startTime":587.071,"endTime":587.28,"body":"else"},{"speaker":"Rod Griffin","startTime":587.281,"endTime":587.37,"body":"in"},{"speaker":"Rod Griffin","startTime":587.371,"endTime":587.46,"body":"the"},{"speaker":"Rod Griffin","startTime":587.461,"endTime":587.82,"body":"world."},{"speaker":"Rod Griffin","startTime":588.27,"endTime":588.39,"body":"If,"},{"speaker":"Rod Griffin","startTime":588.661,"endTime":588.9,"body":"for"},{"speaker":"Rod Griffin","startTime":588.901,"endTime":589.59,"body":"example,"},{"speaker":"Rod Griffin","startTime":590.32,"endTime":590.43,"body":"you"},{"speaker":"Rod Griffin","startTime":590.431,"endTime":590.55,"body":"go"},{"speaker":"Rod Griffin","startTime":590.551,"endTime":590.64,"body":"to"},{"speaker":"Rod Griffin","startTime":590.641,"endTime":590.79,"body":"other"},{"speaker":"Rod Griffin","startTime":590.791,"endTime":591.06,"body":"parts"},{"speaker":"Rod Griffin","startTime":591.061,"endTime":591.15,"body":"of"},{"speaker":"Rod Griffin","startTime":591.151,"endTime":591.24,"body":"the"},{"speaker":"Rod Griffin","startTime":591.241,"endTime":591.57,"body":"world"},{"speaker":"Rod Griffin","startTime":591.9,"endTime":592.05,"body":"in"},{"speaker":"Rod Griffin","startTime":592.051,"endTime":592.14,"body":"the"},{"speaker":"Rod Griffin","startTime":592.141,"endTime":592.32,"body":"US"},{"speaker":"Rod Griffin","startTime":592.71,"endTime":592.71,"body":"an"},{"speaker":"Rod Griffin","startTime":592.711,"endTime":593.13,"body":"average"},{"speaker":"Rod Griffin","startTime":593.131,"endTime":593.46,"body":"credit"},{"speaker":"Rod Griffin","startTime":593.461,"endTime":593.94,"body":"card"},{"speaker":"Rod Griffin","startTime":593.941,"endTime":594.33,"body":"rate"},{"speaker":"Rod Griffin","startTime":594.331,"endTime":594.48,"body":"is"},{"speaker":"Rod Griffin","startTime":594.481,"endTime":594.72,"body":"about"},{"speaker":"Rod Griffin","startTime":594.721,"endTime":595.77,"body":"17%"},{"speaker":"Rod Griffin","startTime":596.1,"endTime":596.49,"body":"interest"},{"speaker":"Rod Griffin","startTime":596.491,"endTime":596.73,"body":"rate,"},{"speaker":"Rod Griffin","startTime":598.26,"endTime":598.53,"body":"not"},{"speaker":"Rod Griffin","startTime":598.531,"endTime":598.86,"body":"really"},{"speaker":"Rod Griffin","startTime":598.861,"endTime":599.25,"body":"low,"},{"speaker":"Rod Griffin","startTime":599.251,"endTime":599.46,"body":"but"},{"speaker":"Rod Griffin","startTime":599.461,"endTime":599.79,"body":"it's"},{"speaker":"Rod Griffin","startTime":600.12,"endTime":600.6,"body":"compared"},{"speaker":"Rod Griffin","startTime":600.601,"endTime":600.75,"body":"to"},{"speaker":"Rod Griffin","startTime":600.751,"endTime":600.96,"body":"other"},{"speaker":"Rod Griffin","startTime":600.961,"endTime":601.26,"body":"parts"},{"speaker":"Rod Griffin","startTime":601.261,"endTime":601.35,"body":"of"},{"speaker":"Rod Griffin","startTime":601.351,"endTime":601.41,"body":"the"},{"speaker":"Rod Griffin","startTime":601.411,"endTime":601.71,"body":"world."},{"speaker":"Rod Griffin","startTime":601.71,"endTime":602.01,"body":"It's"},{"speaker":"Rod Griffin","startTime":602.07,"endTime":602.22,"body":"on"},{"speaker":"Rod Griffin","startTime":602.221,"endTime":602.55,"body":"average,"},{"speaker":"Rod Griffin","startTime":602.58,"endTime":602.7,"body":"more"},{"speaker":"Rod Griffin","startTime":602.701,"endTime":602.85,"body":"like"},{"speaker":"Rod Griffin","startTime":602.851,"endTime":603.42,"body":"25"},{"speaker":"Rod Griffin","startTime":603.421,"endTime":603.48,"body":"to"},{"speaker":"Rod Griffin","startTime":603.481,"endTime":604.62,"body":"27%."},{"speaker":"Rod Griffin","startTime":604.98,"endTime":605.22,"body":"So"},{"speaker":"Rod Griffin","startTime":605.221,"endTime":606.09,"body":"significantly"},{"speaker":"Rod Griffin","startTime":606.091,"endTime":606.33,"body":"less"},{"speaker":"Rod Griffin","startTime":606.331,"endTime":607.02,"body":"expensive."},{"speaker":"Rod Griffin","startTime":607.5,"endTime":608.25,"body":"Because"},{"speaker":"Rod Griffin","startTime":608.251,"endTime":608.4,"body":"we"},{"speaker":"Rod Griffin","startTime":608.401,"endTime":608.67,"body":"have"},{"speaker":"Rod Griffin","startTime":608.671,"endTime":608.73,"body":"a"},{"speaker":"Rod Griffin","startTime":608.731,"endTime":609.09,"body":"national"},{"speaker":"Rod Griffin","startTime":609.091,"endTime":609.36,"body":"credit"},{"speaker":"Rod Griffin","startTime":609.361,"endTime":609.78,"body":"reporting"},{"speaker":"Rod Griffin","startTime":609.781,"endTime":610.44,"body":"system"},{"speaker":"Rod Griffin","startTime":610.5,"endTime":610.74,"body":"like"},{"speaker":"Rod Griffin","startTime":610.741,"endTime":610.86,"body":"we"},{"speaker":"Rod Griffin","startTime":610.861,"endTime":611.04,"body":"do"},{"speaker":"Rod Griffin","startTime":611.041,"endTime":611.16,"body":"in"},{"speaker":"Rod Griffin","startTime":611.161,"endTime":611.22,"body":"the"},{"speaker":"Rod Griffin","startTime":611.221,"endTime":611.4,"body":"US"},{"speaker":"Rod Griffin","startTime":611.581,"endTime":611.7,"body":"you"},{"speaker":"Rod Griffin","startTime":611.701,"endTime":611.88,"body":"can"},{"speaker":"Rod Griffin","startTime":611.881,"endTime":612.12,"body":"buy"},{"speaker":"Rod Griffin","startTime":612.121,"endTime":612.18,"body":"a"},{"speaker":"Rod Griffin","startTime":612.181,"endTime":612.66,"body":"house"},{"speaker":"Rod Griffin","startTime":612.661,"endTime":613.2,"body":"here."},{"speaker":"Rod Griffin","startTime":613.83,"endTime":614.04,"body":"If"},{"speaker":"Rod Griffin","startTime":614.041,"endTime":614.16,"body":"you"},{"speaker":"Rod Griffin","startTime":614.161,"endTime":614.46,"body":"have"},{"speaker":"Rod Griffin","startTime":614.67,"endTime":615.03,"body":"good"},{"speaker":"Rod Griffin","startTime":615.031,"endTime":615.42,"body":"credit"},{"speaker":"Rod Griffin","startTime":615.421,"endTime":615.81,"body":"for"},{"speaker":"Rod Griffin","startTime":615.87,"endTime":616.35,"body":"less"},{"speaker":"Rod Griffin","startTime":616.351,"endTime":616.53,"body":"than"},{"speaker":"Rod Griffin","startTime":616.531,"endTime":617.13,"body":"2%"},{"speaker":"Rod Griffin","startTime":617.131,"endTime":617.58,"body":"interest,"},{"speaker":"Rod Griffin","startTime":617.97,"endTime":618.36,"body":"that's"},{"speaker":"Rod Griffin","startTime":618.361,"endTime":618.93,"body":"simply"},{"speaker":"Rod Griffin","startTime":618.931,"endTime":619.23,"body":"not"},{"speaker":"Rod Griffin","startTime":619.231,"endTime":619.86,"body":"possible"},{"speaker":"Rod Griffin","startTime":619.861,"endTime":620.31,"body":"anywhere"},{"speaker":"Rod Griffin","startTime":620.311,"endTime":620.58,"body":"else"},{"speaker":"Rod Griffin","startTime":620.581,"endTime":620.7,"body":"in"},{"speaker":"Rod Griffin","startTime":620.701,"endTime":620.79,"body":"the"},{"speaker":"Rod Griffin","startTime":620.791,"endTime":621.27,"body":"world."},{"speaker":"Rod Griffin","startTime":621.69,"endTime":621.9,"body":"It'd"},{"speaker":"Rod Griffin","startTime":622.051,"endTime":622.2,"body":"be"},{"speaker":"Rod Griffin","startTime":622.201,"endTime":622.56,"body":"in"},{"speaker":"Rod Griffin","startTime":622.77,"endTime":623.1,"body":"because"},{"speaker":"Rod Griffin","startTime":623.101,"endTime":623.19,"body":"they"},{"speaker":"Rod Griffin","startTime":623.191,"endTime":623.4,"body":"have"},{"speaker":"Rod Griffin","startTime":623.401,"endTime":623.7,"body":"no"},{"speaker":"Rod Griffin","startTime":623.701,"endTime":624.09,"body":"means"},{"speaker":"Rod Griffin","startTime":624.091,"endTime":624.57,"body":"to"},{"speaker":"Rod Griffin","startTime":625.56,"endTime":625.89,"body":"assess"},{"speaker":"Rod Griffin","startTime":625.891,"endTime":626.46,"body":"risk"},{"speaker":"Rod Griffin","startTime":626.49,"endTime":626.67,"body":"and"},{"speaker":"Rod Griffin","startTime":626.671,"endTime":627.03,"body":"manage"},{"speaker":"Rod Griffin","startTime":627.031,"endTime":627.54,"body":"risk."},{"speaker":"Rod Griffin","startTime":627.6,"endTime":627.81,"body":"And"},{"speaker":"Rod Griffin","startTime":627.811,"endTime":628.17,"body":"so,"},{"speaker":"Rod Griffin","startTime":628.77,"endTime":628.77,"body":"you"},{"speaker":"Rod Griffin","startTime":628.83,"endTime":628.83,"body":"know"},{"speaker":"Rod Griffin","startTime":628.83,"endTime":628.83,"body":","},{"speaker":"Rod Griffin","startTime":628.831,"endTime":629.34,"body":"that's,"},{"speaker":"Rod Griffin","startTime":629.37,"endTime":629.73,"body":"that's"},{"speaker":"Rod Griffin","startTime":629.731,"endTime":629.91,"body":"what"},{"speaker":"Rod Griffin","startTime":630.03,"endTime":630.18,"body":"the"},{"speaker":"Rod Griffin","startTime":630.181,"endTime":630.42,"body":"real"},{"speaker":"Rod Griffin","startTime":630.421,"endTime":630.87,"body":"value"},{"speaker":"Rod Griffin","startTime":630.871,"endTime":630.96,"body":"of"},{"speaker":"Rod Griffin","startTime":630.961,"endTime":631.17,"body":"credit"},{"speaker":"Rod Griffin","startTime":631.171,"endTime":631.53,"body":"reporting"},{"speaker":"Rod Griffin","startTime":631.531,"endTime":631.71,"body":"is."},{"speaker":"Rod Griffin","startTime":631.711,"endTime":631.83,"body":"It"},{"speaker":"Rod Griffin","startTime":631.831,"endTime":632.22,"body":"actually"},{"speaker":"Rod Griffin","startTime":632.221,"endTime":632.88,"body":"empowers"},{"speaker":"Rod Griffin","startTime":632.94,"endTime":633.27,"body":"more"},{"speaker":"Rod Griffin","startTime":633.271,"endTime":633.66,"body":"people"},{"speaker":"Rod Griffin","startTime":633.661,"endTime":633.72,"body":"to"},{"speaker":"Rod Griffin","startTime":633.721,"endTime":633.87,"body":"have"},{"speaker":"Rod Griffin","startTime":633.871,"endTime":634.38,"body":"access"},{"speaker":"Rod Griffin","startTime":634.381,"endTime":634.5,"body":"to"},{"speaker":"Rod Griffin","startTime":634.501,"endTime":634.98,"body":"financial"},{"speaker":"Rod Griffin","startTime":634.981,"endTime":635.67,"body":"services"},{"speaker":"Rod Griffin","startTime":635.97,"endTime":636.15,"body":"at"},{"speaker":"Rod Griffin","startTime":636.151,"endTime":636.54,"body":"lower"},{"speaker":"Rod Griffin","startTime":637.08,"endTime":637.08,"body":"costs"},{"speaker":"Rod Griffin","startTime":637.11,"endTime":637.32,"body":"than"},{"speaker":"Rod Griffin","startTime":637.321,"endTime":637.74,"body":"anywhere"},{"speaker":"Rod Griffin","startTime":637.741,"endTime":637.95,"body":"else"},{"speaker":"Rod Griffin","startTime":637.951,"endTime":638.07,"body":"in"},{"speaker":"Rod Griffin","startTime":638.071,"endTime":638.13,"body":"the"},{"speaker":"Rod Griffin","startTime":638.131,"endTime":638.46,"body":"world."},{"speaker":"Rebecca Wiggins","startTime":638.66,"endTime":639.08,"body":"Wow."},{"speaker":"Rebecca Wiggins","startTime":639.11,"endTime":639.35,"body":"That's"},{"speaker":"Rebecca Wiggins","startTime":639.351,"endTime":639.68,"body":"really,"},{"speaker":"Rebecca Wiggins","startTime":639.74,"endTime":640.1,"body":"really"},{"speaker":"Rebecca Wiggins","startTime":640.101,"endTime":640.67,"body":"fascinating."},{"speaker":"Rebecca Wiggins","startTime":640.7,"endTime":640.88,"body":"Thanks"},{"speaker":"Rebecca Wiggins","startTime":640.881,"endTime":641.0,"body":"for"},{"speaker":"Rebecca Wiggins","startTime":641.001,"endTime":641.27,"body":"sharing"},{"speaker":"Rebecca Wiggins","startTime":641.271,"endTime":641.39,"body":"all"},{"speaker":"Rebecca Wiggins","startTime":641.391,"endTime":641.54,"body":"that"},{"speaker":"Rebecca Wiggins","startTime":641.541,"endTime":641.87,"body":"history"},{"speaker":"Rebecca Wiggins","startTime":641.871,"endTime":642.05,"body":"with"},{"speaker":"Rebecca Wiggins","startTime":642.051,"endTime":642.23,"body":"us"},{"speaker":"Rebecca Wiggins","startTime":642.231,"endTime":642.65,"body":"too."},{"speaker":"Rebecca Wiggins","startTime":643.1,"endTime":643.4,"body":"Let's"},{"speaker":"Rebecca Wiggins","startTime":643.401,"endTime":643.7,"body":"shift"},{"speaker":"Rebecca Wiggins","startTime":643.701,"endTime":643.97,"body":"gears"},{"speaker":"Rebecca Wiggins","startTime":643.971,"endTime":644.27,"body":"just"},{"speaker":"Rebecca Wiggins","startTime":644.271,"endTime":644.33,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":644.331,"endTime":644.63,"body":"bit,"},{"speaker":"Rebecca Wiggins","startTime":644.631,"endTime":644.75,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":644.751,"endTime":644.84,"body":"I"},{"speaker":"Rebecca Wiggins","startTime":644.841,"endTime":645.17,"body":"want"},{"speaker":"Rebecca Wiggins","startTime":645.171,"endTime":645.53,"body":"to"},{"speaker":"Rebecca Wiggins","startTime":645.531,"endTime":645.83,"body":"dig"},{"speaker":"Rebecca Wiggins","startTime":645.831,"endTime":645.95,"body":"in"},{"speaker":"Rebecca Wiggins","startTime":645.951,"endTime":646.01,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":646.011,"endTime":646.28,"body":"little"},{"speaker":"Rebecca Wiggins","startTime":646.281,"endTime":646.43,"body":"bit"},{"speaker":"Rebecca Wiggins","startTime":646.431,"endTime":646.88,"body":"more"},{"speaker":"Rebecca Wiggins","startTime":646.881,"endTime":647.45,"body":"to"},{"speaker":"Rebecca Wiggins","startTime":647.48,"endTime":647.81,"body":"maybe"},{"speaker":"Rebecca Wiggins","startTime":647.811,"endTime":648.08,"body":"some"},{"speaker":"Rebecca Wiggins","startTime":648.081,"endTime":648.62,"body":"basic"},{"speaker":"Rebecca Wiggins","startTime":648.621,"endTime":649.4,"body":"questions"},{"speaker":"Rebecca Wiggins","startTime":649.43,"endTime":650.06,"body":"around"},{"speaker":"Rebecca Wiggins","startTime":650.061,"endTime":650.18,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":650.181,"endTime":650.66,"body":"myths"},{"speaker":"Rebecca Wiggins","startTime":650.69,"endTime":650.99,"body":"with"},{"speaker":"Rebecca Wiggins","startTime":650.991,"endTime":651.44,"body":"credit"},{"speaker":"Rebecca Wiggins","startTime":651.441,"endTime":651.56,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":651.561,"endTime":651.83,"body":"credit"},{"speaker":"Rebecca Wiggins","startTime":651.831,"endTime":652.55,"body":"reports"},{"speaker":"Rebecca Wiggins","startTime":652.7,"endTime":652.88,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":652.881,"endTime":653.09,"body":"just"},{"speaker":"Rebecca Wiggins","startTime":653.091,"endTime":653.39,"body":"some"},{"speaker":"Rebecca Wiggins","startTime":653.48,"endTime":653.78,"body":"sort"},{"speaker":"Rebecca Wiggins","startTime":653.781,"endTime":653.9,"body":"of"},{"speaker":"Rebecca Wiggins","startTime":653.901,"endTime":654.17,"body":"1:1,"},{"speaker":"Rebecca Wiggins","startTime":654.92,"endTime":654.92,"body":"you"},{"speaker":"Rebecca Wiggins","startTime":655.04,"endTime":655.04,"body":"know"},{"speaker":"Rebecca Wiggins","startTime":655.04,"endTime":655.04,"body":","},{"speaker":"Rebecca Wiggins","startTime":655.041,"endTime":655.52,"body":"lessons"},{"speaker":"Rebecca Wiggins","startTime":655.521,"endTime":655.7,"body":"from"},{"speaker":"Rebecca Wiggins","startTime":655.701,"endTime":655.88,"body":"you"},{"speaker":"Rebecca Wiggins","startTime":655.881,"endTime":656.27,"body":"on"},{"speaker":"Rebecca Wiggins","startTime":656.271,"endTime":656.69,"body":"credit."},{"speaker":"Rebecca Wiggins","startTime":656.691,"endTime":656.99,"body":"So"},{"speaker":"Rebecca Wiggins","startTime":657.32,"endTime":657.47,"body":"how"},{"speaker":"Rebecca Wiggins","startTime":657.471,"endTime":657.65,"body":"about"},{"speaker":"Rebecca Wiggins","startTime":657.651,"endTime":657.98,"body":"first,"},{"speaker":"Rebecca Wiggins","startTime":657.981,"endTime":658.19,"body":"just"},{"speaker":"Rebecca Wiggins","startTime":658.191,"endTime":658.37,"body":"tell"},{"speaker":"Rebecca Wiggins","startTime":658.371,"endTime":658.58,"body":"us"},{"speaker":"Rebecca Wiggins","startTime":658.581,"endTime":658.79,"body":"what"},{"speaker":"Rebecca Wiggins","startTime":658.791,"endTime":658.94,"body":"is"},{"speaker":"Rebecca Wiggins","startTime":658.941,"endTime":659.03,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":659.031,"endTime":659.45,"body":"difference"},{"speaker":"Rebecca Wiggins","startTime":659.451,"endTime":659.96,"body":"between"},{"speaker":"Rebecca Wiggins","startTime":659.961,"endTime":660.2,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":660.23,"endTime":660.53,"body":"credit"},{"speaker":"Rebecca Wiggins","startTime":660.531,"endTime":660.92,"body":"score"},{"speaker":"Rebecca Wiggins","startTime":660.921,"endTime":661.07,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":661.071,"endTime":661.13,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":661.131,"endTime":661.43,"body":"credit"},{"speaker":"Rebecca Wiggins","startTime":661.431,"endTime":661.85,"body":"report?"},{"speaker":"Rod Griffin","startTime":662.03,"endTime":662.36,"body":"So"},{"speaker":"Rod Griffin","startTime":662.361,"endTime":662.45,"body":"a"},{"speaker":"Rod Griffin","startTime":662.451,"endTime":662.72,"body":"credit"},{"speaker":"Rod Griffin","startTime":662.721,"endTime":663.08,"body":"report"},{"speaker":"Rod Griffin","startTime":663.17,"endTime":663.17,"body":"and"},{"speaker":"Rod Griffin","startTime":663.171,"endTime":663.2,"body":"a"},{"speaker":"Rod Griffin","startTime":663.201,"endTime":663.44,"body":"credit"},{"speaker":"Rod Griffin","startTime":663.57,"endTime":663.57,"body":"score"},{"speaker":"Rod Griffin","startTime":663.57,"endTime":663.57,"body":","},{"speaker":"Rod Griffin","startTime":663.62,"endTime":663.74,"body":"that's"},{"speaker":"Rod Griffin","startTime":663.741,"endTime":664.19,"body":"probably"},{"speaker":"Rod Griffin","startTime":664.191,"endTime":664.28,"body":"the"},{"speaker":"Rod Griffin","startTime":664.281,"endTime":664.49,"body":"most"},{"speaker":"Rod Griffin","startTime":664.491,"endTime":664.82,"body":"common"},{"speaker":"Rod Griffin","startTime":664.821,"endTime":665.03,"body":"myth"},{"speaker":"Rod Griffin","startTime":665.06,"endTime":665.24,"body":"we"},{"speaker":"Rod Griffin","startTime":665.241,"endTime":665.45,"body":"hear."},{"speaker":"Rod Griffin","startTime":665.451,"endTime":665.87,"body":"People"},{"speaker":"Rod Griffin","startTime":666.44,"endTime":666.83,"body":"think"},{"speaker":"Rod Griffin","startTime":666.831,"endTime":667.16,"body":"credit"},{"speaker":"Rod Griffin","startTime":667.161,"endTime":667.64,"body":"reports"},{"speaker":"Rod Griffin","startTime":667.641,"endTime":667.73,"body":"and"},{"speaker":"Rod Griffin","startTime":667.731,"endTime":668.06,"body":"scores"},{"speaker":"Rod Griffin","startTime":668.061,"endTime":668.15,"body":"are"},{"speaker":"Rod Griffin","startTime":668.151,"endTime":668.27,"body":"the"},{"speaker":"Rod Griffin","startTime":668.271,"endTime":668.57,"body":"same"},{"speaker":"Rod Griffin","startTime":668.571,"endTime":668.84,"body":"thing,"},{"speaker":"Rod Griffin","startTime":668.87,"endTime":669.02,"body":"and"},{"speaker":"Rod Griffin","startTime":669.021,"endTime":669.14,"body":"they're"},{"speaker":"Rod Griffin","startTime":669.141,"endTime":669.56,"body":"not."},{"speaker":"Rod Griffin","startTime":670.25,"endTime":670.4,"body":"A"},{"speaker":"Rod Griffin","startTime":670.401,"endTime":670.82,"body":"credit"},{"speaker":"Rod Griffin","startTime":670.821,"endTime":671.66,"body":"report"},{"speaker":"Rod Griffin","startTime":672.17,"endTime":672.83,"body":"is"},{"speaker":"Rod Griffin","startTime":672.831,"endTime":672.95,"body":"a"},{"speaker":"Rod Griffin","startTime":672.951,"endTime":673.34,"body":"record"},{"speaker":"Rod Griffin","startTime":673.341,"endTime":673.43,"body":"of"},{"speaker":"Rod Griffin","startTime":673.431,"endTime":673.67,"body":"your"},{"speaker":"Rod Griffin","startTime":673.671,"endTime":674.21,"body":"financial"},{"speaker":"Rod Griffin","startTime":674.211,"endTime":674.66,"body":"agreements,"},{"speaker":"Rod Griffin","startTime":674.78,"endTime":675.17,"body":"your"},{"speaker":"Rod Griffin","startTime":675.56,"endTime":675.56,"body":"debt"},{"speaker":"Rod Griffin","startTime":675.57,"endTime":676.58,"body":"specifically,"},{"speaker":"Rod Griffin","startTime":676.61,"endTime":676.82,"body":"and"},{"speaker":"Rod Griffin","startTime":676.821,"endTime":677.0,"body":"how"},{"speaker":"Rod Griffin","startTime":677.001,"endTime":677.15,"body":"you're"},{"speaker":"Rod Griffin","startTime":677.151,"endTime":677.63,"body":"repaying"},{"speaker":"Rod Griffin","startTime":677.631,"endTime":677.87,"body":"them."},{"speaker":"Rod Griffin","startTime":678.26,"endTime":678.35,"body":"A"},{"speaker":"Rod Griffin","startTime":678.351,"endTime":678.77,"body":"credit"},{"speaker":"Rod Griffin","startTime":678.771,"endTime":679.61,"body":"score"},{"speaker":"Rod Griffin","startTime":679.611,"endTime":679.82,"body":"is"},{"speaker":"Rod Griffin","startTime":679.821,"endTime":679.91,"body":"a"},{"speaker":"Rod Griffin","startTime":679.911,"endTime":680.39,"body":"tool"},{"speaker":"Rod Griffin","startTime":680.391,"endTime":680.6,"body":"that's"},{"speaker":"Rod Griffin","startTime":680.601,"endTime":680.87,"body":"used"},{"speaker":"Rod Griffin","startTime":680.871,"endTime":680.99,"body":"by"},{"speaker":"Rod Griffin","startTime":680.991,"endTime":681.65,"body":"lenders"},{"speaker":"Rod Griffin","startTime":681.95,"endTime":682.46,"body":"to"},{"speaker":"Rod Griffin","startTime":682.82,"endTime":683.51,"body":"analyze"},{"speaker":"Rod Griffin","startTime":683.511,"endTime":683.66,"body":"that"},{"speaker":"Rod Griffin","startTime":683.661,"endTime":684.32,"body":"information"},{"speaker":"Rod Griffin","startTime":684.321,"endTime":684.59,"body":"and"},{"speaker":"Rod Griffin","startTime":685.25,"endTime":685.85,"body":"predict"},{"speaker":"Rod Griffin","startTime":685.851,"endTime":685.97,"body":"the"},{"speaker":"Rod Griffin","startTime":685.971,"endTime":686.48,"body":"likelihood"},{"speaker":"Rod Griffin","startTime":686.481,"endTime":686.6,"body":"that"},{"speaker":"Rod Griffin","startTime":686.601,"endTime":686.72,"body":"you'll"},{"speaker":"Rod Griffin","startTime":686.721,"endTime":687.05,"body":"repay"},{"speaker":"Rod Griffin","startTime":687.051,"endTime":687.11,"body":"a"},{"speaker":"Rod Griffin","startTime":687.111,"endTime":687.32,"body":"debt"},{"speaker":"Rod Griffin","startTime":687.321,"endTime":687.44,"body":"as"},{"speaker":"Rod Griffin","startTime":687.441,"endTime":687.89,"body":"agreed."},{"speaker":"Rod Griffin","startTime":688.49,"endTime":688.82,"body":"So"},{"speaker":"Rod Griffin","startTime":688.821,"endTime":688.97,"body":"the"},{"speaker":"Rod Griffin","startTime":688.971,"endTime":689.3,"body":"way"},{"speaker":"Rod Griffin","startTime":689.301,"endTime":689.63,"body":"I"},{"speaker":"Rod Griffin","startTime":689.66,"endTime":689.96,"body":"kind"},{"speaker":"Rod Griffin","startTime":689.961,"endTime":690.05,"body":"of"},{"speaker":"Rod Griffin","startTime":690.051,"endTime":690.65,"body":"described"},{"speaker":"Rod Griffin","startTime":690.651,"endTime":690.8,"body":"that"},{"speaker":"Rod Griffin","startTime":690.801,"endTime":690.95,"body":"in"},{"speaker":"Rod Griffin","startTime":690.951,"endTime":691.19,"body":"very"},{"speaker":"Rod Griffin","startTime":691.191,"endTime":691.58,"body":"simple"},{"speaker":"Rod Griffin","startTime":691.581,"endTime":692.0,"body":"terms"},{"speaker":"Rod Griffin","startTime":692.001,"endTime":692.15,"body":"is"},{"speaker":"Rod Griffin","startTime":692.151,"endTime":692.27,"body":"if"},{"speaker":"Rod Griffin","startTime":692.271,"endTime":692.39,"body":"you"},{"speaker":"Rod Griffin","startTime":692.391,"endTime":692.6,"body":"think"},{"speaker":"Rod Griffin","startTime":692.601,"endTime":692.81,"body":"about"},{"speaker":"Rod Griffin","startTime":692.811,"endTime":692.99,"body":"being"},{"speaker":"Rod Griffin","startTime":692.991,"endTime":693.05,"body":"a"},{"speaker":"Rod Griffin","startTime":693.051,"endTime":693.47,"body":"student,"},{"speaker":"Rod Griffin","startTime":694.34,"endTime":694.58,"body":"if"},{"speaker":"Rod Griffin","startTime":694.581,"endTime":694.82,"body":"you"},{"speaker":"Rod Griffin","startTime":694.821,"endTime":695.15,"body":"write"},{"speaker":"Rod Griffin","startTime":695.151,"endTime":695.21,"body":"a"},{"speaker":"Rod Griffin","startTime":695.211,"endTime":695.54,"body":"paper"},{"speaker":"Rod Griffin","startTime":695.541,"endTime":695.69,"body":"in"},{"speaker":"Rod Griffin","startTime":695.691,"endTime":696.2,"body":"class,"},{"speaker":"Rod Griffin","startTime":696.201,"endTime":696.44,"body":"that"},{"speaker":"Rod Griffin","startTime":696.441,"endTime":696.86,"body":"paper"},{"speaker":"Rod Griffin","startTime":696.861,"endTime":697.01,"body":"is"},{"speaker":"Rod Griffin","startTime":697.011,"endTime":697.22,"body":"like"},{"speaker":"Rod Griffin","startTime":697.221,"endTime":697.31,"body":"the"},{"speaker":"Rod Griffin","startTime":697.311,"endTime":697.61,"body":"credit"},{"speaker":"Rod Griffin","startTime":697.611,"endTime":698.03,"body":"report."},{"speaker":"Rod Griffin","startTime":698.42,"endTime":698.63,"body":"As"},{"speaker":"Rod Griffin","startTime":698.631,"endTime":698.81,"body":"you"},{"speaker":"Rod Griffin","startTime":698.811,"endTime":699.08,"body":"use"},{"speaker":"Rod Griffin","startTime":699.081,"endTime":699.41,"body":"credit,"},{"speaker":"Rod Griffin","startTime":699.411,"endTime":699.65,"body":"you're"},{"speaker":"Rod Griffin","startTime":699.651,"endTime":700.13,"body":"writing"},{"speaker":"Rod Griffin","startTime":700.131,"endTime":700.31,"body":"that"},{"speaker":"Rod Griffin","startTime":700.311,"endTime":700.64,"body":"credit"},{"speaker":"Rod Griffin","startTime":700.641,"endTime":701.24,"body":"history."},{"speaker":"Rod Griffin","startTime":701.3,"endTime":701.51,"body":"You're"},{"speaker":"Rod Griffin","startTime":701.511,"endTime":702.02,"body":"determining"},{"speaker":"Rod Griffin","startTime":702.021,"endTime":702.14,"body":"how"},{"speaker":"Rod Griffin","startTime":702.141,"endTime":702.38,"body":"you're"},{"speaker":"Rod Griffin","startTime":702.381,"endTime":702.53,"body":"going"},{"speaker":"Rod Griffin","startTime":702.531,"endTime":702.77,"body":"to"},{"speaker":"Rod Griffin","startTime":702.86,"endTime":703.31,"body":"use"},{"speaker":"Rod Griffin","startTime":703.311,"endTime":703.4,"body":"the"},{"speaker":"Rod Griffin","startTime":703.401,"endTime":703.7,"body":"credit"},{"speaker":"Rod Griffin","startTime":703.701,"endTime":703.91,"body":"that's"},{"speaker":"Rod Griffin","startTime":703.911,"endTime":704.36,"body":"available"},{"speaker":"Rod Griffin","startTime":704.361,"endTime":704.54,"body":"to"},{"speaker":"Rod Griffin","startTime":704.541,"endTime":704.81,"body":"you."},{"speaker":"Rod Griffin","startTime":705.77,"endTime":706.01,"body":"When"},{"speaker":"Rod Griffin","startTime":706.011,"endTime":706.16,"body":"you"},{"speaker":"Rod Griffin","startTime":706.161,"endTime":706.49,"body":"apply"},{"speaker":"Rod Griffin","startTime":706.491,"endTime":706.64,"body":"for"},{"speaker":"Rod Griffin","startTime":706.641,"endTime":706.7,"body":"a"},{"speaker":"Rod Griffin","startTime":706.701,"endTime":707.21,"body":"loan,"},{"speaker":"Rod Griffin","startTime":707.211,"endTime":707.33,"body":"you"},{"speaker":"Rod Griffin","startTime":707.331,"endTime":707.48,"body":"go"},{"speaker":"Rod Griffin","startTime":707.481,"endTime":707.57,"body":"to"},{"speaker":"Rod Griffin","startTime":707.571,"endTime":707.69,"body":"the"},{"speaker":"Rod Griffin","startTime":707.691,"endTime":708.14,"body":"bank"},{"speaker":"Rod Griffin","startTime":708.141,"endTime":708.29,"body":"and"},{"speaker":"Rod Griffin","startTime":708.291,"endTime":708.38,"body":"the"},{"speaker":"Rod Griffin","startTime":708.381,"endTime":708.68,"body":"bank"},{"speaker":"Rod Griffin","startTime":708.681,"endTime":708.8,"body":"is"},{"speaker":"Rod Griffin","startTime":708.801,"endTime":709.01,"body":"like"},{"speaker":"Rod Griffin","startTime":709.011,"endTime":709.1,"body":"the"},{"speaker":"Rod Griffin","startTime":709.101,"endTime":709.49,"body":"teacher"},{"speaker":"Rod Griffin","startTime":709.491,"endTime":709.64,"body":"in"},{"speaker":"Rod Griffin","startTime":709.641,"endTime":710.18,"body":"class."},{"speaker":"Rod Griffin","startTime":711.08,"endTime":711.29,"body":"They're"},{"speaker":"Rod Griffin","startTime":711.291,"endTime":711.47,"body":"going"},{"speaker":"Rod Griffin","startTime":711.471,"endTime":711.56,"body":"to"},{"speaker":"Rod Griffin","startTime":711.561,"endTime":711.8,"body":"look"},{"speaker":"Rod Griffin","startTime":711.801,"endTime":711.92,"body":"at"},{"speaker":"Rod Griffin","startTime":711.921,"endTime":712.1,"body":"that"},{"speaker":"Rod Griffin","startTime":712.101,"endTime":712.37,"body":"credit"},{"speaker":"Rod Griffin","startTime":712.371,"endTime":712.85,"body":"report"},{"speaker":"Rod Griffin","startTime":713.44,"endTime":713.59,"body":"and"},{"speaker":"Rod Griffin","startTime":713.591,"endTime":713.71,"body":"they're"},{"speaker":"Rod Griffin","startTime":713.711,"endTime":713.92,"body":"going"},{"speaker":"Rod Griffin","startTime":713.921,"endTime":714.01,"body":"to"},{"speaker":"Rod Griffin","startTime":714.011,"endTime":714.31,"body":"grade"},{"speaker":"Rod Griffin","startTime":714.311,"endTime":714.43,"body":"it"},{"speaker":"Rod Griffin","startTime":714.431,"endTime":714.64,"body":"like"},{"speaker":"Rod Griffin","startTime":714.641,"endTime":714.73,"body":"the"},{"speaker":"Rod Griffin","startTime":714.731,"endTime":715.06,"body":"teacher"},{"speaker":"Rod Griffin","startTime":715.061,"endTime":715.63,"body":"grades"},{"speaker":"Rod Griffin","startTime":715.631,"endTime":715.75,"body":"the"},{"speaker":"Rod Griffin","startTime":715.751,"endTime":716.23,"body":"paper."},{"speaker":"Rod Griffin","startTime":716.74,"endTime":717.13,"body":"And"},{"speaker":"Rod Griffin","startTime":717.16,"endTime":717.4,"body":"that"},{"speaker":"Rod Griffin","startTime":717.401,"endTime":717.94,"body":"grade"},{"speaker":"Rod Griffin","startTime":717.941,"endTime":718.06,"body":"is"},{"speaker":"Rod Griffin","startTime":718.061,"endTime":718.3,"body":"like"},{"speaker":"Rod Griffin","startTime":718.301,"endTime":718.39,"body":"the"},{"speaker":"Rod Griffin","startTime":718.391,"endTime":718.69,"body":"credit"},{"speaker":"Rod Griffin","startTime":718.691,"endTime":719.23,"body":"score"},{"speaker":"Rod Griffin","startTime":719.231,"endTime":719.5,"body":"that"},{"speaker":"Rod Griffin","startTime":719.501,"endTime":720.13,"body":"represents"},{"speaker":"Rod Griffin","startTime":720.131,"endTime":720.22,"body":"the"},{"speaker":"Rod Griffin","startTime":720.221,"endTime":720.97,"body":"quality"},{"speaker":"Rod Griffin","startTime":721.03,"endTime":721.45,"body":"of"},{"speaker":"Rod Griffin","startTime":721.51,"endTime":721.99,"body":"the"},{"speaker":"Rod Griffin","startTime":722.02,"endTime":722.38,"body":"work"},{"speaker":"Rod Griffin","startTime":722.381,"endTime":722.56,"body":"you've"},{"speaker":"Rod Griffin","startTime":722.561,"endTime":722.74,"body":"done"},{"speaker":"Rod Griffin","startTime":722.741,"endTime":722.86,"body":"with"},{"speaker":"Rod Griffin","startTime":722.861,"endTime":722.95,"body":"your"},{"speaker":"Rod Griffin","startTime":722.951,"endTime":723.22,"body":"credit"},{"speaker":"Rod Griffin","startTime":723.221,"endTime":723.64,"body":"history,"},{"speaker":"Rod Griffin","startTime":723.94,"endTime":724.21,"body":"much"},{"speaker":"Rod Griffin","startTime":724.211,"endTime":724.54,"body":"like"},{"speaker":"Rod Griffin","startTime":724.57,"endTime":724.96,"body":"a"},{"speaker":"Rod Griffin","startTime":725.05,"endTime":725.65,"body":"grade"},{"speaker":"Rod Griffin","startTime":725.77,"endTime":726.37,"body":"represents"},{"speaker":"Rod Griffin","startTime":726.371,"endTime":726.46,"body":"the"},{"speaker":"Rod Griffin","startTime":726.461,"endTime":726.94,"body":"quality"},{"speaker":"Rod Griffin","startTime":726.941,"endTime":727.06,"body":"of"},{"speaker":"Rod Griffin","startTime":727.061,"endTime":727.15,"body":"the"},{"speaker":"Rod Griffin","startTime":727.151,"endTime":727.36,"body":"work"},{"speaker":"Rod Griffin","startTime":727.361,"endTime":727.45,"body":"you"},{"speaker":"Rod Griffin","startTime":727.451,"endTime":727.66,"body":"did"},{"speaker":"Rod Griffin","startTime":727.661,"endTime":727.81,"body":"with"},{"speaker":"Rod Griffin","startTime":727.84,"endTime":728.02,"body":"that"},{"speaker":"Rod Griffin","startTime":728.021,"endTime":728.44,"body":"paper."},{"speaker":"Rod Griffin","startTime":728.95,"endTime":729.43,"body":"So"},{"speaker":"Rod Griffin","startTime":729.431,"endTime":729.55,"body":"a"},{"speaker":"Rod Griffin","startTime":729.551,"endTime":730.21,"body":"grade"},{"speaker":"Rod Griffin","startTime":730.36,"endTime":730.6,"body":"on"},{"speaker":"Rod Griffin","startTime":730.601,"endTime":730.69,"body":"the"},{"speaker":"Rod Griffin","startTime":730.691,"endTime":731.05,"body":"paper"},{"speaker":"Rod Griffin","startTime":731.051,"endTime":731.14,"body":"is"},{"speaker":"Rod Griffin","startTime":731.141,"endTime":731.32,"body":"like"},{"speaker":"Rod Griffin","startTime":731.321,"endTime":731.38,"body":"a"},{"speaker":"Rod Griffin","startTime":731.381,"endTime":731.77,"body":"score."},{"speaker":"Rod Griffin","startTime":731.771,"endTime":731.86,"body":"A"},{"speaker":"Rod Griffin","startTime":731.861,"endTime":732.4,"body":"score"},{"speaker":"Rod Griffin","startTime":732.401,"endTime":732.58,"body":"is"},{"speaker":"Rod Griffin","startTime":732.88,"endTime":733.21,"body":"is"},{"speaker":"Rod Griffin","startTime":733.33,"endTime":733.81,"body":"not"},{"speaker":"Rod Griffin","startTime":733.811,"endTime":734.05,"body":"part"},{"speaker":"Rod Griffin","startTime":734.051,"endTime":734.11,"body":"of"},{"speaker":"Rod Griffin","startTime":734.111,"endTime":734.17,"body":"a"},{"speaker":"Rod Griffin","startTime":734.171,"endTime":734.41,"body":"credit"},{"speaker":"Rod Griffin","startTime":734.411,"endTime":734.71,"body":"report."},{"speaker":"Rod Griffin","startTime":734.711,"endTime":734.8,"body":"It's"},{"speaker":"Rod Griffin","startTime":734.801,"endTime":734.86,"body":"a"},{"speaker":"Rod Griffin","startTime":734.861,"endTime":735.34,"body":"separate"},{"speaker":"Rod Griffin","startTime":735.341,"endTime":736.12,"body":"process."},{"speaker":"Rod Griffin","startTime":736.57,"endTime":736.99,"body":"That"},{"speaker":"Rod Griffin","startTime":737.08,"endTime":737.68,"body":"simply"},{"speaker":"Rod Griffin","startTime":737.86,"endTime":738.04,"body":"is"},{"speaker":"Rod Griffin","startTime":738.041,"endTime":738.1,"body":"a"},{"speaker":"Rod Griffin","startTime":738.101,"endTime":738.46,"body":"tool"},{"speaker":"Rod Griffin","startTime":738.461,"endTime":738.79,"body":"used"},{"speaker":"Rod Griffin","startTime":738.791,"endTime":739.18,"body":"to"},{"speaker":"Rod Griffin","startTime":739.54,"endTime":740.04,"body":"analyze"},{"speaker":"Rod Griffin","startTime":740.05,"endTime":740.11,"body":"or"},{"speaker":"Rod Griffin","startTime":740.111,"endTime":740.53,"body":"review,"},{"speaker":"Rod Griffin","startTime":740.531,"endTime":740.77,"body":"that"},{"speaker":"Rod Griffin","startTime":740.771,"endTime":741.4,"body":"information"},{"speaker":"Rod Griffin","startTime":741.401,"endTime":741.49,"body":"and"},{"speaker":"Rod Griffin","startTime":741.491,"endTime":741.76,"body":"help"},{"speaker":"Rod Griffin","startTime":741.79,"endTime":742.21,"body":"lenders"},{"speaker":"Rod Griffin","startTime":742.211,"endTime":742.6,"body":"predict"},{"speaker":"Rod Griffin","startTime":742.93,"endTime":743.23,"body":"lending"},{"speaker":"Rod Griffin","startTime":743.231,"endTime":743.62,"body":"risk."},{"speaker":"Rebecca Wiggins","startTime":744.21,"endTime":744.78,"body":"That's,"},{"speaker":"Rebecca Wiggins","startTime":744.84,"endTime":744.96,"body":"I"},{"speaker":"Rebecca Wiggins","startTime":744.961,"endTime":745.2,"body":"love"},{"speaker":"Rebecca Wiggins","startTime":745.201,"endTime":745.32,"body":"that"},{"speaker":"Rebecca Wiggins","startTime":745.321,"endTime":745.8,"body":"analogy."},{"speaker":"Rebecca Wiggins","startTime":745.801,"endTime":746.01,"body":"That's"},{"speaker":"Rebecca Wiggins","startTime":746.011,"endTime":746.19,"body":"such"},{"speaker":"Rebecca Wiggins","startTime":746.191,"endTime":746.25,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":746.251,"endTime":746.52,"body":"great"},{"speaker":"Rebecca Wiggins","startTime":746.521,"endTime":746.7,"body":"way"},{"speaker":"Rebecca Wiggins","startTime":746.701,"endTime":746.85,"body":"to"},{"speaker":"Rebecca Wiggins","startTime":746.851,"endTime":747.36,"body":"describe"},{"speaker":"Rebecca Wiggins","startTime":747.361,"endTime":747.54,"body":"it."},{"speaker":"Rebecca Wiggins","startTime":747.72,"endTime":748.05,"body":"So,"},{"speaker":"Rebecca Wiggins","startTime":748.051,"endTime":748.41,"body":"okay."},{"speaker":"Rebecca Wiggins","startTime":748.5,"endTime":748.83,"body":"Going"},{"speaker":"Rebecca Wiggins","startTime":748.831,"endTime":749.01,"body":"with"},{"speaker":"Rebecca Wiggins","startTime":749.011,"endTime":749.22,"body":"that"},{"speaker":"Rebecca Wiggins","startTime":749.221,"endTime":749.73,"body":"analogy,"},{"speaker":"Rebecca Wiggins","startTime":749.731,"endTime":750.12,"body":"then"},{"speaker":"Rebecca Wiggins","startTime":750.15,"endTime":750.54,"body":"what"},{"speaker":"Rebecca Wiggins","startTime":750.541,"endTime":750.75,"body":"is"},{"speaker":"Rebecca Wiggins","startTime":750.751,"endTime":750.81,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":750.811,"endTime":751.05,"body":"good"},{"speaker":"Rebecca Wiggins","startTime":751.051,"endTime":751.41,"body":"credit"},{"speaker":"Rebecca Wiggins","startTime":751.411,"endTime":751.92,"body":"score"},{"speaker":"Rebecca Wiggins","startTime":751.921,"endTime":752.1,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":752.101,"endTime":752.28,"body":"how"},{"speaker":"Rebecca Wiggins","startTime":752.281,"endTime":752.46,"body":"does"},{"speaker":"Rebecca Wiggins","startTime":752.461,"endTime":752.67,"body":"that"},{"speaker":"Rebecca Wiggins","startTime":752.671,"endTime":753.12,"body":"score,"},{"speaker":"Rebecca Wiggins","startTime":753.121,"endTime":753.33,"body":"much"},{"speaker":"Rebecca Wiggins","startTime":753.331,"endTime":753.51,"body":"like"},{"speaker":"Rebecca Wiggins","startTime":753.511,"endTime":753.57,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":753.84,"endTime":753.84,"body":"grade"},{"speaker":"Rebecca Wiggins","startTime":753.841,"endTime":753.99,"body":"on"},{"speaker":"Rebecca Wiggins","startTime":753.991,"endTime":754.02,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":754.021,"endTime":754.62,"body":"paper,"},{"speaker":"Rebecca Wiggins","startTime":754.77,"endTime":755.25,"body":"impact"},{"speaker":"Rebecca Wiggins","startTime":755.251,"endTime":755.34,"body":"your"},{"speaker":"Rebecca Wiggins","startTime":755.341,"endTime":755.79,"body":"overall"},{"speaker":"Rebecca Wiggins","startTime":755.791,"endTime":756.24,"body":"financial"},{"speaker":"Rebecca Wiggins","startTime":756.241,"endTime":756.84,"body":"wellness?"},{"speaker":"Rod Griffin","startTime":757.41,"endTime":757.56,"body":"Good"},{"speaker":"Rod Griffin","startTime":757.561,"endTime":757.83,"body":"score"},{"speaker":"Rod Griffin","startTime":757.831,"endTime":757.92,"body":"is"},{"speaker":"Rod Griffin","startTime":757.921,"endTime":757.98,"body":"a"},{"speaker":"Rod Griffin","startTime":757.981,"endTime":758.28,"body":"score"},{"speaker":"Rod Griffin","startTime":758.281,"endTime":758.4,"body":"that"},{"speaker":"Rod Griffin","startTime":758.401,"endTime":758.64,"body":"gets"},{"speaker":"Rod Griffin","startTime":758.641,"endTime":758.73,"body":"you"},{"speaker":"Rod Griffin","startTime":758.731,"endTime":758.85,"body":"the"},{"speaker":"Rod Griffin","startTime":758.851,"endTime":759.18,"body":"credit"},{"speaker":"Rod Griffin","startTime":759.181,"endTime":759.3,"body":"you"},{"speaker":"Rod Griffin","startTime":759.301,"endTime":759.57,"body":"need"},{"speaker":"Rod Griffin","startTime":759.571,"endTime":759.66,"body":"at"},{"speaker":"Rod Griffin","startTime":759.661,"endTime":759.75,"body":"the"},{"speaker":"Rod Griffin","startTime":759.99,"endTime":759.99,"body":"rates"},{"speaker":"Rod Griffin","startTime":759.991,"endTime":760.11,"body":"you"},{"speaker":"Rod Griffin","startTime":760.111,"endTime":760.32,"body":"want"},{"speaker":"Rod Griffin","startTime":760.321,"endTime":760.41,"body":"to"},{"speaker":"Rod Griffin","startTime":760.411,"endTime":760.77,"body":"pay."},{"speaker":"Rod Griffin","startTime":761.43,"endTime":761.88,"body":"That's"},{"speaker":"Rod Griffin","startTime":761.96,"endTime":762.35,"body":"a"},{"speaker":"Rod Griffin","startTime":762.39,"endTime":762.69,"body":"kind"},{"speaker":"Rod Griffin","startTime":762.691,"endTime":762.81,"body":"of"},{"speaker":"Rod Griffin","startTime":762.811,"endTime":762.96,"body":"a"},{"speaker":"Rod Griffin","startTime":763.65,"endTime":763.89,"body":"tongue"},{"speaker":"Rod Griffin","startTime":763.891,"endTime":763.95,"body":"in"},{"speaker":"Rod Griffin","startTime":763.951,"endTime":764.22,"body":"cheek"},{"speaker":"Rod Griffin","startTime":764.221,"endTime":764.7,"body":"response,"},{"speaker":"Rod Griffin","startTime":764.701,"endTime":764.88,"body":"but"},{"speaker":"Rod Griffin","startTime":765.03,"endTime":765.6,"body":"true."},{"speaker":"Rod Griffin","startTime":766.05,"endTime":766.29,"body":"And"},{"speaker":"Rod Griffin","startTime":766.32,"endTime":766.47,"body":"the"},{"speaker":"Rod Griffin","startTime":766.471,"endTime":766.89,"body":"reason"},{"speaker":"Rod Griffin","startTime":766.891,"endTime":767.25,"body":"is"},{"speaker":"Rod Griffin","startTime":767.34,"endTime":767.55,"body":"we"},{"speaker":"Rod Griffin","startTime":767.551,"endTime":767.85,"body":"talked"},{"speaker":"Rod Griffin","startTime":767.851,"endTime":768.03,"body":"about"},{"speaker":"Rod Griffin","startTime":768.031,"endTime":768.12,"body":"the"},{"speaker":"Rod Griffin","startTime":768.121,"endTime":768.33,"body":"Big"},{"speaker":"Rod Griffin","startTime":768.36,"endTime":768.75,"body":"Three."},{"speaker":"Rod Griffin","startTime":768.751,"endTime":768.93,"body":"There"},{"speaker":"Rod Griffin","startTime":768.931,"endTime":768.96,"body":"are"},{"speaker":"Rod Griffin","startTime":768.961,"endTime":769.26,"body":"three"},{"speaker":"Rod Griffin","startTime":769.261,"endTime":769.56,"body":"credit"},{"speaker":"Rod Griffin","startTime":769.561,"endTime":769.95,"body":"reporting"},{"speaker":"Rod Griffin","startTime":769.951,"endTime":770.31,"body":"companies."},{"speaker":"Rod Griffin","startTime":770.311,"endTime":770.4,"body":"You"},{"speaker":"Rod Griffin","startTime":770.401,"endTime":770.52,"body":"have"},{"speaker":"Rod Griffin","startTime":770.521,"endTime":770.76,"body":"three"},{"speaker":"Rod Griffin","startTime":770.761,"endTime":771.06,"body":"credit"},{"speaker":"Rod Griffin","startTime":771.061,"endTime":771.69,"body":"reports,"},{"speaker":"Rod Griffin","startTime":772.14,"endTime":772.38,"body":"but"},{"speaker":"Rod Griffin","startTime":772.381,"endTime":772.56,"body":"there"},{"speaker":"Rod Griffin","startTime":772.561,"endTime":772.68,"body":"are"},{"speaker":"Rod Griffin","startTime":772.681,"endTime":773.31,"body":"literally"},{"speaker":"Rod Griffin","startTime":773.311,"endTime":773.91,"body":"hundreds"},{"speaker":"Rod Griffin","startTime":773.911,"endTime":774.03,"body":"of"},{"speaker":"Rod Griffin","startTime":774.031,"endTime":774.39,"body":"different"},{"speaker":"Rod Griffin","startTime":774.391,"endTime":774.69,"body":"credit"},{"speaker":"Rod Griffin","startTime":774.691,"endTime":775.47,"body":"scores."},{"speaker":"Rod Griffin","startTime":775.92,"endTime":776.16,"body":"And"},{"speaker":"Rod Griffin","startTime":776.161,"endTime":776.28,"body":"the"},{"speaker":"Rod Griffin","startTime":776.281,"endTime":776.61,"body":"score"},{"speaker":"Rod Griffin","startTime":776.611,"endTime":776.73,"body":"the"},{"speaker":"Rod Griffin","startTime":776.731,"endTime":777.06,"body":"lender"},{"speaker":"Rod Griffin","startTime":777.061,"endTime":777.63,"body":"uses"},{"speaker":"Rod Griffin","startTime":777.631,"endTime":777.81,"body":"may"},{"speaker":"Rod Griffin","startTime":777.811,"endTime":777.96,"body":"have"},{"speaker":"Rod Griffin","startTime":777.961,"endTime":778.23,"body":"different"},{"speaker":"Rod Griffin","startTime":778.231,"endTime":778.68,"body":"scales."},{"speaker":"Rod Griffin","startTime":778.681,"endTime":778.99,"body":"So"},{"speaker":"Rod Griffin","startTime":779.1,"endTime":779.64,"body":"the"},{"speaker":"Rod Griffin","startTime":779.67,"endTime":779.91,"body":"good"},{"speaker":"Rod Griffin","startTime":779.911,"endTime":780.21,"body":"score"},{"speaker":"Rod Griffin","startTime":780.211,"endTime":780.66,"body":"depends"},{"speaker":"Rod Griffin","startTime":780.661,"endTime":780.84,"body":"on"},{"speaker":"Rod Griffin","startTime":780.841,"endTime":780.93,"body":"the"},{"speaker":"Rod Griffin","startTime":780.931,"endTime":781.47,"body":"score"},{"speaker":"Rod Griffin","startTime":781.471,"endTime":781.74,"body":"that,"},{"speaker":"Rod Griffin","startTime":781.95,"endTime":782.13,"body":"in"},{"speaker":"Rod Griffin","startTime":782.131,"endTime":782.19,"body":"the"},{"speaker":"Rod Griffin","startTime":782.191,"endTime":782.79,"body":"scale"},{"speaker":"Rod Griffin","startTime":782.82,"endTime":782.97,"body":"for"},{"speaker":"Rod Griffin","startTime":782.971,"endTime":783.09,"body":"the"},{"speaker":"Rod Griffin","startTime":783.091,"endTime":783.33,"body":"score,"},{"speaker":"Rod Griffin","startTime":783.331,"endTime":783.45,"body":"the"},{"speaker":"Rod Griffin","startTime":783.45,"endTime":783.45,"body":"lender"},{"speaker":"Rod Griffin","startTime":783.451,"endTime":783.75,"body":"is"},{"speaker":"Rod Griffin","startTime":783.751,"endTime":784.17,"body":"using."},{"speaker":"Rod Griffin","startTime":785.1,"endTime":785.52,"body":"That"},{"speaker":"Rod Griffin","startTime":785.521,"endTime":786.18,"body":"said,"},{"speaker":"Rod Griffin","startTime":786.75,"endTime":787.74,"body":"generally,"},{"speaker":"Rod Griffin","startTime":788.01,"endTime":788.01,"body":"you"},{"speaker":"Rod Griffin","startTime":788.09,"endTime":788.09,"body":"know"},{"speaker":"Rod Griffin","startTime":788.09,"endTime":788.09,"body":","},{"speaker":"Rod Griffin","startTime":788.091,"endTime":788.13,"body":"a"},{"speaker":"Rod Griffin","startTime":788.131,"endTime":788.46,"body":"good"},{"speaker":"Rod Griffin","startTime":788.461,"endTime":788.85,"body":"score"},{"speaker":"Rod Griffin","startTime":788.851,"endTime":788.97,"body":"is"},{"speaker":"Rod Griffin","startTime":788.971,"endTime":789.12,"body":"going"},{"speaker":"Rod Griffin","startTime":789.121,"endTime":789.18,"body":"to"},{"speaker":"Rod Griffin","startTime":789.181,"endTime":789.3,"body":"be"},{"speaker":"Rod Griffin","startTime":789.301,"endTime":789.87,"body":"somewhere"},{"speaker":"Rod Griffin","startTime":789.871,"endTime":790.2,"body":"around"},{"speaker":"Rod Griffin","startTime":790.201,"endTime":790.98,"body":"700"},{"speaker":"Rod Griffin","startTime":790.981,"endTime":791.25,"body":"or"},{"speaker":"Rod Griffin","startTime":791.251,"endTime":791.91,"body":"above."},{"speaker":"Rod Griffin","startTime":792.12,"endTime":792.39,"body":"That's"},{"speaker":"Rod Griffin","startTime":792.391,"endTime":792.54,"body":"going"},{"speaker":"Rod Griffin","startTime":792.541,"endTime":792.6,"body":"to"},{"speaker":"Rod Griffin","startTime":792.601,"endTime":793.2,"body":"qualify"},{"speaker":"Rod Griffin","startTime":793.201,"endTime":793.38,"body":"you,"},{"speaker":"Rod Griffin","startTime":793.381,"endTime":793.71,"body":"maybe"},{"speaker":"Rod Griffin","startTime":793.711,"endTime":793.92,"body":"not"},{"speaker":"Rod Griffin","startTime":793.921,"endTime":794.04,"body":"at"},{"speaker":"Rod Griffin","startTime":794.041,"endTime":794.1,"body":"the"},{"speaker":"Rod Griffin","startTime":794.101,"endTime":794.4,"body":"best"},{"speaker":"Rod Griffin","startTime":794.401,"endTime":794.82,"body":"rates."},{"speaker":"Rod Griffin","startTime":795.18,"endTime":795.63,"body":"Great"},{"speaker":"Rod Griffin","startTime":795.631,"endTime":796.2,"body":"scores"},{"speaker":"Rod Griffin","startTime":796.201,"endTime":796.32,"body":"are"},{"speaker":"Rod Griffin","startTime":796.321,"endTime":796.47,"body":"going"},{"speaker":"Rod Griffin","startTime":796.471,"endTime":796.59,"body":"to"},{"speaker":"Rod Griffin","startTime":796.77,"endTime":797.34,"body":"generally"},{"speaker":"Rod Griffin","startTime":797.341,"endTime":797.79,"body":"be"},{"speaker":"Rod Griffin","startTime":797.791,"endTime":798.18,"body":"750"},{"speaker":"Rod Griffin","startTime":798.541,"endTime":798.69,"body":"or"},{"speaker":"Rod Griffin","startTime":798.691,"endTime":799.32,"body":"higher."},{"speaker":"Rod Griffin","startTime":799.65,"endTime":799.74,"body":"If"},{"speaker":"Rod Griffin","startTime":799.741,"endTime":799.83,"body":"you"},{"speaker":"Rod Griffin","startTime":799.831,"endTime":799.95,"body":"have"},{"speaker":"Rod Griffin","startTime":799.951,"endTime":799.98,"body":"a"},{"speaker":"Rod Griffin","startTime":799.981,"endTime":800.34,"body":"750,"},{"speaker":"Rod Griffin","startTime":800.731,"endTime":801.42,"body":"usually"},{"speaker":"Rod Griffin","startTime":801.421,"endTime":801.54,"body":"you're"},{"speaker":"Rod Griffin","startTime":801.541,"endTime":801.66,"body":"going"},{"speaker":"Rod Griffin","startTime":801.661,"endTime":801.72,"body":"to"},{"speaker":"Rod Griffin","startTime":801.721,"endTime":802.2,"body":"qualify"},{"speaker":"Rod Griffin","startTime":802.201,"endTime":802.35,"body":"for"},{"speaker":"Rod Griffin","startTime":802.351,"endTime":802.47,"body":"the"},{"speaker":"Rod Griffin","startTime":802.471,"endTime":802.74,"body":"best"},{"speaker":"Rod Griffin","startTime":802.741,"endTime":803.01,"body":"terms"},{"speaker":"Rod Griffin","startTime":803.011,"endTime":803.1,"body":"of"},{"speaker":"Rod Griffin","startTime":803.101,"endTime":803.16,"body":"the"},{"speaker":"Rod Griffin","startTime":803.161,"endTime":803.46,"body":"best"},{"speaker":"Rod Griffin","startTime":803.461,"endTime":803.82,"body":"rates."},{"speaker":"Rod Griffin","startTime":804.9,"endTime":805.41,"body":"Scores"},{"speaker":"Rod Griffin","startTime":805.411,"endTime":805.74,"body":"below"},{"speaker":"Rod Griffin","startTime":805.741,"endTime":806.46,"body":"700"},{"speaker":"Rod Griffin","startTime":806.67,"endTime":807.06,"body":"falling"},{"speaker":"Rod Griffin","startTime":807.061,"endTime":807.27,"body":"under"},{"speaker":"Rod Griffin","startTime":807.271,"endTime":808.26,"body":"680"},{"speaker":"Rod Griffin","startTime":808.261,"endTime":808.41,"body":"or"},{"speaker":"Rod Griffin","startTime":808.411,"endTime":809.01,"body":"so"},{"speaker":"Rod Griffin","startTime":809.37,"endTime":809.55,"body":"will"},{"speaker":"Rod Griffin","startTime":809.551,"endTime":809.67,"body":"be"},{"speaker":"Rod Griffin","startTime":809.671,"endTime":810.15,"body":"considered"},{"speaker":"Rod Griffin","startTime":811.35,"endTime":811.35,"body":"sub-prime,"},{"speaker":"Rod Griffin","startTime":811.56,"endTime":811.77,"body":"and"},{"speaker":"Rod Griffin","startTime":811.83,"endTime":812.04,"body":"you"},{"speaker":"Rod Griffin","startTime":812.041,"endTime":812.25,"body":"may"},{"speaker":"Rod Griffin","startTime":812.251,"endTime":812.49,"body":"not"},{"speaker":"Rod Griffin","startTime":812.491,"endTime":813.09,"body":"qualify."},{"speaker":"Rod Griffin","startTime":813.51,"endTime":813.81,"body":"So"},{"speaker":"Rod Griffin","startTime":813.811,"endTime":814.08,"body":"that's"},{"speaker":"Rod Griffin","startTime":814.081,"endTime":814.26,"body":"kind"},{"speaker":"Rod Griffin","startTime":814.261,"endTime":814.32,"body":"of"},{"speaker":"Rod Griffin","startTime":814.321,"endTime":814.41,"body":"the"},{"speaker":"Rod Griffin","startTime":814.411,"endTime":814.68,"body":"rule"},{"speaker":"Rod Griffin","startTime":814.681,"endTime":814.92,"body":"of"},{"speaker":"Rod Griffin","startTime":815.28,"endTime":815.61,"body":"thumb."},{"speaker":"Rod Griffin","startTime":815.611,"endTime":815.73,"body":"If"},{"speaker":"Rod Griffin","startTime":815.731,"endTime":815.85,"body":"you"},{"speaker":"Rod Griffin","startTime":815.851,"endTime":816.03,"body":"have"},{"speaker":"Rod Griffin","startTime":816.031,"endTime":816.42,"body":"scores"},{"speaker":"Rod Griffin","startTime":816.421,"endTime":816.54,"body":"that"},{"speaker":"Rod Griffin","startTime":816.541,"endTime":816.6,"body":"are"},{"speaker":"Rod Griffin","startTime":816.601,"endTime":817.2,"body":"700"},{"speaker":"Rod Griffin","startTime":817.201,"endTime":817.32,"body":"and"},{"speaker":"Rod Griffin","startTime":817.321,"endTime":817.74,"body":"higher,"},{"speaker":"Rod Griffin","startTime":817.741,"endTime":817.89,"body":"you're"},{"speaker":"Rod Griffin","startTime":817.891,"endTime":818.01,"body":"on"},{"speaker":"Rod Griffin","startTime":818.011,"endTime":818.07,"body":"the"},{"speaker":"Rod Griffin","startTime":818.071,"endTime":818.25,"body":"right"},{"speaker":"Rod Griffin","startTime":818.251,"endTime":818.55,"body":"track,"},{"speaker":"Rod Griffin","startTime":818.551,"endTime":818.88,"body":"750"},{"speaker":"Rod Griffin","startTime":819.211,"endTime":819.3,"body":"or"},{"speaker":"Rod Griffin","startTime":819.301,"endTime":819.72,"body":"higher,"},{"speaker":"Rod Griffin","startTime":820.08,"endTime":820.26,"body":"you're"},{"speaker":"Rod Griffin","startTime":820.261,"endTime":820.44,"body":"going"},{"speaker":"Rod Griffin","startTime":820.441,"endTime":820.5,"body":"to"},{"speaker":"Rod Griffin","startTime":820.501,"endTime":820.71,"body":"have"},{"speaker":"Rod Griffin","startTime":820.711,"endTime":821.01,"body":"really"},{"speaker":"Rod Griffin","startTime":821.011,"endTime":821.43,"body":"strong"},{"speaker":"Rod Griffin","startTime":821.431,"endTime":821.79,"body":"scores"},{"speaker":"Rod Griffin","startTime":821.791,"endTime":821.88,"body":"and"},{"speaker":"Rod Griffin","startTime":821.881,"endTime":822.36,"body":"probably"},{"speaker":"Rod Griffin","startTime":822.361,"endTime":822.54,"body":"get"},{"speaker":"Rod Griffin","startTime":822.541,"endTime":822.63,"body":"the"},{"speaker":"Rod Griffin","startTime":822.541,"endTime":822.63,"body":"credit"},{"speaker":"Rod Griffin","startTime":822.631,"endTime":822.93,"body":"you"},{"speaker":"Rod Griffin","startTime":823.051,"endTime":823.29,"body":"want"},{"speaker":"Rod Griffin","startTime":823.051,"endTime":823.29,"body":"at"},{"speaker":"Rod Griffin","startTime":823.051,"endTime":823.29,"body":"rates"},{"speaker":"Rod Griffin","startTime":823.48,"endTime":823.77,"body":"you"},{"speaker":"Rod Griffin","startTime":823.861,"endTime":824.01,"body":"want"},{"speaker":"Rod Griffin","startTime":824.011,"endTime":824.07,"body":"to"},{"speaker":"Rod Griffin","startTime":824.071,"endTime":824.28,"body":"pay."},{"speaker":"Rod Griffin","startTime":824.281,"endTime":824.43,"body":"The"},{"speaker":"Rod Griffin","startTime":824.431,"endTime":824.67,"body":"best"},{"speaker":"Rod Griffin","startTime":824.671,"endTime":824.91,"body":"rates"},{"speaker":"Rod Griffin","startTime":824.911,"endTime":825.42,"body":"available."},{"speaker":"Dr. Mary Bell Carlson","startTime":825.66,"endTime":825.87,"body":"Now"},{"speaker":"Dr. Mary Bell Carlson","startTime":825.66,"endTime":825.87,"body":"Rod,"},{"speaker":"Dr. Mary Bell Carlson","startTime":825.871,"endTime":825.99,"body":"let"},{"speaker":"Dr. Mary Bell Carlson","startTime":825.991,"endTime":826.08,"body":"me"},{"speaker":"Dr. Mary Bell Carlson","startTime":826.081,"endTime":826.29,"body":"jump"},{"speaker":"Dr. Mary Bell Carlson","startTime":826.291,"endTime":826.41,"body":"in"},{"speaker":"Dr. Mary Bell Carlson","startTime":826.411,"endTime":826.59,"body":"real"},{"speaker":"Dr. Mary Bell Carlson","startTime":826.591,"endTime":827.04,"body":"quick."},{"speaker":"Dr. Mary Bell Carlson","startTime":827.041,"endTime":827.37,"body":"One"},{"speaker":"Dr. Mary Bell Carlson","startTime":827.371,"endTime":827.49,"body":"of"},{"speaker":"Dr. Mary Bell Carlson","startTime":827.491,"endTime":827.88,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":827.91,"endTime":828.36,"body":"things"},{"speaker":"Dr. Mary Bell Carlson","startTime":828.361,"endTime":828.54,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":828.541,"endTime":829.05,"body":"note"},{"speaker":"Dr. Mary Bell Carlson","startTime":829.051,"endTime":829.35,"body":"though,"},{"speaker":"Dr. Mary Bell Carlson","startTime":829.351,"endTime":829.5,"body":"is,"},{"speaker":"Dr. Mary Bell Carlson","startTime":829.501,"endTime":829.68,"body":"as"},{"speaker":"Dr. Mary Bell Carlson","startTime":829.681,"endTime":829.77,"body":"you"},{"speaker":"Dr. Mary Bell Carlson","startTime":829.771,"endTime":830.1,"body":"mentioned"},{"speaker":"Dr. Mary Bell Carlson","startTime":830.101,"endTime":830.4,"body":"before,"},{"speaker":"Dr. Mary Bell Carlson","startTime":830.401,"endTime":830.64,"body":"there's"},{"speaker":"Dr. Mary Bell Carlson","startTime":830.641,"endTime":831.24,"body":"hundreds"},{"speaker":"Dr. Mary Bell Carlson","startTime":831.241,"endTime":831.36,"body":"of"},{"speaker":"Dr. Mary Bell Carlson","startTime":831.361,"endTime":831.66,"body":"different"},{"speaker":"Dr. Mary Bell Carlson","startTime":831.661,"endTime":832.2,"body":"scores"},{"speaker":"Dr. Mary Bell Carlson","startTime":832.201,"endTime":832.41,"body":"and"},{"speaker":"Dr. Mary Bell Carlson","startTime":832.411,"endTime":832.74,"body":"different"},{"speaker":"Dr. Mary Bell Carlson","startTime":832.741,"endTime":833.16,"body":"scales."},{"speaker":"Dr. Mary Bell Carlson","startTime":833.161,"endTime":833.31,"body":"So"},{"speaker":"Dr. Mary Bell Carlson","startTime":833.311,"endTime":833.46,"body":"it's"},{"speaker":"Dr. Mary Bell Carlson","startTime":833.461,"endTime":833.88,"body":"really"},{"speaker":"Dr. Mary Bell Carlson","startTime":833.881,"endTime":834.48,"body":"important"},{"speaker":"Dr. Mary Bell Carlson","startTime":834.481,"endTime":834.63,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":834.631,"endTime":834.87,"body":"know"},{"speaker":"Dr. Mary Bell Carlson","startTime":834.871,"endTime":835.08,"body":"what"},{"speaker":"Dr. Mary Bell Carlson","startTime":835.081,"endTime":835.17,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":835.171,"endTime":835.68,"body":"scale"},{"speaker":"Dr. Mary Bell Carlson","startTime":835.681,"endTime":835.98,"body":"is"},{"speaker":"Dr. Mary Bell Carlson","startTime":835.981,"endTime":836.1,"body":"and"},{"speaker":"Dr. Mary Bell Carlson","startTime":836.101,"endTime":836.34,"body":"how"},{"speaker":"Dr. Mary Bell Carlson","startTime":836.341,"endTime":836.4,"body":"it"},{"speaker":"Dr. Mary Bell Carlson","startTime":836.401,"endTime":836.88,"body":"correlates."},{"speaker":"Dr. Mary Bell Carlson","startTime":836.881,"endTime":837.0,"body":"Is"},{"speaker":"Dr. Mary Bell Carlson","startTime":837.001,"endTime":837.18,"body":"that"},{"speaker":"Dr. Mary Bell Carlson","startTime":837.181,"endTime":837.6,"body":"correct?"},{"speaker":"Rod Griffin","startTime":837.9,"endTime":838.47,"body":"Yes."},{"speaker":"Rod Griffin","startTime":838.51,"endTime":838.83,"body":"And"},{"speaker":"Rod Griffin","startTime":838.86,"endTime":839.19,"body":"people"},{"speaker":"Rod Griffin","startTime":839.191,"endTime":839.28,"body":"will"},{"speaker":"Rod Griffin","startTime":839.281,"endTime":839.58,"body":"often"},{"speaker":"Rod Griffin","startTime":839.581,"endTime":839.82,"body":"ask"},{"speaker":"Rod Griffin","startTime":839.821,"endTime":840.06,"body":"me,"},{"speaker":"Rod Griffin","startTime":840.09,"endTime":840.18,"body":"you"},{"speaker":"Rod Griffin","startTime":840.181,"endTime":840.33,"body":"know,"},{"speaker":"Rod Griffin","startTime":840.81,"endTime":840.99,"body":"how"},{"speaker":"Rod Griffin","startTime":840.991,"endTime":841.14,"body":"do"},{"speaker":"Rod Griffin","startTime":841.141,"endTime":841.23,"body":"I"},{"speaker":"Rod Griffin","startTime":841.231,"endTime":841.5,"body":"raise"},{"speaker":"Rod Griffin","startTime":841.501,"endTime":841.62,"body":"my"},{"speaker":"Rod Griffin","startTime":841.621,"endTime":841.98,"body":"score"},{"speaker":"Rod Griffin","startTime":841.981,"endTime":842.34,"body":"20"},{"speaker":"Rod Griffin","startTime":842.341,"endTime":842.79,"body":"points?"},{"speaker":"Rod Griffin","startTime":842.791,"endTime":843.03,"body":"Or,"},{"speaker":"Rod Griffin","startTime":843.42,"endTime":843.54,"body":"you"},{"speaker":"Rod Griffin","startTime":843.541,"endTime":843.6,"body":"know,"},{"speaker":"Rod Griffin","startTime":843.601,"endTime":843.87,"body":"what's"},{"speaker":"Rod Griffin","startTime":843.871,"endTime":844.02,"body":"the"},{"speaker":"Rod Griffin","startTime":844.021,"endTime":844.5,"body":"exact"},{"speaker":"Rod Griffin","startTime":844.501,"endTime":844.83,"body":"number"},{"speaker":"Rod Griffin","startTime":844.831,"endTime":844.92,"body":"I"},{"speaker":"Rod Griffin","startTime":844.921,"endTime":845.19,"body":"need."},{"speaker":"Rod Griffin","startTime":845.191,"endTime":845.34,"body":"And"},{"speaker":"Rod Griffin","startTime":845.341,"endTime":845.49,"body":"I,"},{"speaker":"Rod Griffin","startTime":845.58,"endTime":845.7,"body":"you"},{"speaker":"Rod Griffin","startTime":845.701,"endTime":845.81,"body":"know,"},{"speaker":"Rod Griffin","startTime":845.811,"endTime":845.88,"body":"I"},{"speaker":"Rod Griffin","startTime":845.94,"endTime":846.15,"body":"tell"},{"speaker":"Rod Griffin","startTime":846.151,"endTime":846.27,"body":"them,"},{"speaker":"Rod Griffin","startTime":846.271,"endTime":846.39,"body":"it"},{"speaker":"Rod Griffin","startTime":846.391,"endTime":846.93,"body":"depends."},{"speaker":"Rod Griffin","startTime":846.931,"endTime":847.02,"body":"I"},{"speaker":"Rod Griffin","startTime":847.021,"endTime":847.26,"body":"can't"},{"speaker":"Rod Griffin","startTime":847.261,"endTime":847.47,"body":"really"},{"speaker":"Rod Griffin","startTime":847.471,"endTime":847.74,"body":"give"},{"speaker":"Rod Griffin","startTime":847.741,"endTime":847.83,"body":"you"},{"speaker":"Rod Griffin","startTime":847.831,"endTime":847.98,"body":"that"},{"speaker":"Rod Griffin","startTime":847.981,"endTime":848.22,"body":"number"},{"speaker":"Rod Griffin","startTime":848.221,"endTime":848.34,"body":"if"},{"speaker":"Rod Griffin","startTime":848.341,"endTime":848.43,"body":"I"},{"speaker":"Rod Griffin","startTime":848.431,"endTime":848.61,"body":"do,"},{"speaker":"Rod Griffin","startTime":848.611,"endTime":848.73,"body":"I'll"},{"speaker":"Rod Griffin","startTime":848.731,"endTime":848.85,"body":"be"},{"speaker":"Rod Griffin","startTime":848.851,"endTime":849.33,"body":"wrong"},{"speaker":"Rod Griffin","startTime":849.6,"endTime":850.02,"body":"because"},{"speaker":"Rod Griffin","startTime":850.021,"endTime":850.23,"body":"you'll"},{"speaker":"Rod Griffin","startTime":850.231,"endTime":850.38,"body":"go"},{"speaker":"Rod Griffin","startTime":850.381,"endTime":850.5,"body":"to"},{"speaker":"Rod Griffin","startTime":850.501,"endTime":850.56,"body":"a"},{"speaker":"Rod Griffin","startTime":850.561,"endTime":850.86,"body":"lender"},{"speaker":"Rod Griffin","startTime":850.861,"endTime":850.95,"body":"who"},{"speaker":"Rod Griffin","startTime":850.951,"endTime":851.28,"body":"uses"},{"speaker":"Rod Griffin","startTime":851.281,"endTime":851.37,"body":"a"},{"speaker":"Rod Griffin","startTime":851.371,"endTime":851.85,"body":"different"},{"speaker":"Rod Griffin","startTime":851.851,"endTime":852.12,"body":"score"},{"speaker":"Rod Griffin","startTime":852.121,"endTime":852.27,"body":"from"},{"speaker":"Rod Griffin","startTime":852.271,"endTime":852.33,"body":"a"},{"speaker":"Rod Griffin","startTime":852.331,"endTime":852.66,"body":"different"},{"speaker":"Rod Griffin","startTime":852.661,"endTime":853.08,"body":"company."},{"speaker":"Rod Griffin","startTime":853.35,"endTime":853.56,"body":"There"},{"speaker":"Rod Griffin","startTime":853.561,"endTime":853.77,"body":"are"},{"speaker":"Rod Griffin","startTime":853.771,"endTime":854.19,"body":"two"},{"speaker":"Rod Griffin","startTime":854.191,"endTime":855.51,"body":"primary"},{"speaker":"Rod Griffin","startTime":855.93,"endTime":856.14,"body":"or"},{"speaker":"Rod Griffin","startTime":856.141,"endTime":856.5,"body":"best"},{"speaker":"Rod Griffin","startTime":856.501,"endTime":857.01,"body":"known"},{"speaker":"Rod Griffin","startTime":857.011,"endTime":857.58,"body":"scoring"},{"speaker":"Rod Griffin","startTime":857.61,"endTime":858.36,"body":"companies."},{"speaker":"Rod Griffin","startTime":858.75,"endTime":859.35,"body":"Vantage"},{"speaker":"Rod Griffin","startTime":859.351,"endTime":859.8,"body":"Score"},{"speaker":"Rod Griffin","startTime":859.801,"endTime":859.95,"body":"and"},{"speaker":"Rod Griffin","startTime":859.951,"endTime":860.46,"body":"FICO."},{"speaker":"Rod Griffin","startTime":860.49,"endTime":860.73,"body":"Most"},{"speaker":"Rod Griffin","startTime":860.731,"endTime":861.03,"body":"people"},{"speaker":"Rod Griffin","startTime":861.031,"endTime":861.12,"body":"have"},{"speaker":"Rod Griffin","startTime":861.121,"endTime":861.27,"body":"heard"},{"speaker":"Rod Griffin","startTime":861.271,"endTime":861.36,"body":"the"},{"speaker":"Rod Griffin","startTime":861.361,"endTime":861.6,"body":"term"},{"speaker":"Rod Griffin","startTime":861.601,"endTime":861.93,"body":"FICO."},{"speaker":"Rod Griffin","startTime":861.931,"endTime":862.02,"body":"They"},{"speaker":"Rod Griffin","startTime":862.021,"endTime":862.2,"body":"don't"},{"speaker":"Rod Griffin","startTime":862.201,"endTime":862.41,"body":"always"},{"speaker":"Rod Griffin","startTime":862.411,"endTime":862.74,"body":"realize"},{"speaker":"Rod Griffin","startTime":862.741,"endTime":862.92,"body":"that's"},{"speaker":"Rod Griffin","startTime":862.921,"endTime":863.01,"body":"a"},{"speaker":"Rod Griffin","startTime":863.011,"endTime":863.37,"body":"separate"},{"speaker":"Rod Griffin","startTime":863.371,"endTime":863.79,"body":"company."},{"speaker":"Rod Griffin","startTime":863.82,"endTime":864.09,"body":"They're"},{"speaker":"Rod Griffin","startTime":864.091,"endTime":864.24,"body":"the"},{"speaker":"Rod Griffin","startTime":864.241,"endTime":864.72,"body":"ones"},{"speaker":"Rod Griffin","startTime":865.02,"endTime":865.23,"body":"that"},{"speaker":"Rod Griffin","startTime":865.231,"endTime":865.74,"body":"create"},{"speaker":"Rod Griffin","startTime":865.741,"endTime":865.86,"body":"the"},{"speaker":"Rod Griffin","startTime":865.861,"endTime":866.49,"body":"algorithms"},{"speaker":"Rod Griffin","startTime":866.491,"endTime":866.64,"body":"and"},{"speaker":"Rod Griffin","startTime":866.641,"endTime":867.0,"body":"own"},{"speaker":"Rod Griffin","startTime":867.001,"endTime":867.3,"body":"those"},{"speaker":"Rod Griffin","startTime":867.301,"endTime":867.87,"body":"scores."},{"speaker":"Rod Griffin","startTime":868.26,"endTime":868.47,"body":"And"},{"speaker":"Rod Griffin","startTime":869.13,"endTime":869.13,"body":"they're"},{"speaker":"Rod Griffin","startTime":869.131,"endTime":869.7,"body":"proprietary"},{"speaker":"Rod Griffin","startTime":869.701,"endTime":869.82,"body":"to"},{"speaker":"Rod Griffin","startTime":869.821,"endTime":870.12,"body":"them."},{"speaker":"Rod Griffin","startTime":870.54,"endTime":871.02,"body":"Those"},{"speaker":"Rod Griffin","startTime":871.021,"endTime":871.5,"body":"models"},{"speaker":"Rod Griffin","startTime":871.501,"endTime":872.01,"body":"today,"},{"speaker":"Rod Griffin","startTime":872.09,"endTime":872.09,"body":"and"},{"speaker":"Rod Griffin","startTime":872.091,"endTime":872.19,"body":"what"},{"speaker":"Rod Griffin","startTime":872.191,"endTime":872.28,"body":"we"},{"speaker":"Rod Griffin","startTime":872.281,"endTime":872.46,"body":"call"},{"speaker":"Rod Griffin","startTime":872.461,"endTime":872.88,"body":"models"},{"speaker":"Rod Griffin","startTime":872.881,"endTime":873.19,"body":"are,"},{"speaker":"Rod Griffin","startTime":873.36,"endTime":873.36,"body":"are"},{"speaker":"Rod Griffin","startTime":873.361,"endTime":873.48,"body":"the"},{"speaker":"Rod Griffin","startTime":873.481,"endTime":874.2,"body":"formulas"},{"speaker":"Rod Griffin","startTime":874.2,"endTime":874.2,"body":","},{"speaker":"Rod Griffin","startTime":874.74,"endTime":875.49,"body":"are"},{"speaker":"Rod Griffin","startTime":875.79,"endTime":876.36,"body":"based"},{"speaker":"Rod Griffin","startTime":876.361,"endTime":876.51,"body":"on"},{"speaker":"Rod Griffin","startTime":876.511,"endTime":876.57,"body":"a"},{"speaker":"Rod Griffin","startTime":876.571,"endTime":877.5,"body":"scale"},{"speaker":"Rod Griffin","startTime":877.53,"endTime":878.07,"body":"of"},{"speaker":"Rod Griffin","startTime":878.1,"endTime":878.76,"body":"generally"},{"speaker":"Rod Griffin","startTime":878.761,"endTime":879.45,"body":"350,"},{"speaker":"Rod Griffin","startTime":880.2,"endTime":880.83,"body":"300"},{"speaker":"Rod Griffin","startTime":880.2,"endTime":880.83,"body":"or"},{"speaker":"Rod Griffin","startTime":880.831,"endTime":880.95,"body":"350"},{"speaker":"Rod Griffin","startTime":881.521,"endTime":882.0,"body":"to"},{"speaker":"Rod Griffin","startTime":882.12,"endTime":882.99,"body":"850."},{"speaker":"Rod Griffin","startTime":883.35,"endTime":883.86,"body":"That's"},{"speaker":"Rod Griffin","startTime":883.861,"endTime":884.01,"body":"the"},{"speaker":"Rod Griffin","startTime":884.011,"endTime":884.28,"body":"most"},{"speaker":"Rod Griffin","startTime":884.281,"endTime":884.76,"body":"common"},{"speaker":"Rod Griffin","startTime":884.761,"endTime":885.15,"body":"scale."},{"speaker":"Rod Griffin","startTime":886.02,"endTime":886.8,"body":"However,"},{"speaker":"Rod Griffin","startTime":887.34,"endTime":887.82,"body":"there"},{"speaker":"Rod Griffin","startTime":887.821,"endTime":888.06,"body":"are"},{"speaker":"Rod Griffin","startTime":888.061,"endTime":888.45,"body":"FICO"},{"speaker":"Rod Griffin","startTime":888.451,"endTime":888.81,"body":"scores"},{"speaker":"Rod Griffin","startTime":888.811,"endTime":888.96,"body":"for"},{"speaker":"Rod Griffin","startTime":888.961,"endTime":889.26,"body":"auto"},{"speaker":"Rod Griffin","startTime":889.261,"endTime":889.59,"body":"lending,"},{"speaker":"Rod Griffin","startTime":889.591,"endTime":889.74,"body":"for"},{"speaker":"Rod Griffin","startTime":889.741,"endTime":890.16,"body":"example,"},{"speaker":"Rod Griffin","startTime":890.161,"endTime":890.31,"body":"that"},{"speaker":"Rod Griffin","startTime":890.311,"endTime":890.58,"body":"actually"},{"speaker":"Rod Griffin","startTime":890.581,"endTime":890.73,"body":"go"},{"speaker":"Rod Griffin","startTime":890.731,"endTime":890.85,"body":"to"},{"speaker":"Rod Griffin","startTime":891.2,"endTime":891.47,"body":"900."},{"speaker":"Rod Griffin","startTime":891.53,"endTime":891.77,"body":"So"},{"speaker":"Rod Griffin","startTime":891.771,"endTime":891.92,"body":"you"},{"speaker":"Rod Griffin","startTime":892.07,"endTime":892.07,"body":"could"},{"speaker":"Rod Griffin","startTime":892.071,"endTime":892.28,"body":"have"},{"speaker":"Rod Griffin","startTime":892.281,"endTime":892.34,"body":"a"},{"speaker":"Rod Griffin","startTime":892.341,"endTime":892.64,"body":"score"},{"speaker":"Rod Griffin","startTime":892.641,"endTime":892.97,"body":"better"},{"speaker":"Rod Griffin","startTime":892.971,"endTime":893.09,"body":"than"},{"speaker":"Rod Griffin","startTime":893.091,"endTime":894.02,"body":"850"},{"speaker":"Rod Griffin","startTime":894.021,"endTime":894.17,"body":"and"},{"speaker":"Rod Griffin","startTime":894.171,"endTime":894.44,"body":"still"},{"speaker":"Rod Griffin","startTime":894.441,"endTime":894.59,"body":"not"},{"speaker":"Rod Griffin","startTime":894.591,"endTime":894.68,"body":"be"},{"speaker":"Rod Griffin","startTime":894.681,"endTime":894.77,"body":"the"},{"speaker":"Rod Griffin","startTime":894.771,"endTime":895.04,"body":"highest"},{"speaker":"Rod Griffin","startTime":895.041,"endTime":895.49,"body":"score"},{"speaker":"Rod Griffin","startTime":895.76,"endTime":896.42,"body":"possible."},{"speaker":"Rod Griffin","startTime":896.87,"endTime":897.05,"body":"And"},{"speaker":"Rod Griffin","startTime":898.191,"endTime":898.67,"body":"so"},{"speaker":"Rod Griffin","startTime":898.97,"endTime":899.3,"body":"rule"},{"speaker":"Rod Griffin","startTime":899.301,"endTime":899.36,"body":"of"},{"speaker":"Rod Griffin","startTime":899.361,"endTime":899.78,"body":"thumb"},{"speaker":"Rod Griffin","startTime":900.41,"endTime":901.07,"body":"300"},{"speaker":"Rod Griffin","startTime":900.41,"endTime":901.07,"body":"to"},{"speaker":"Rod Griffin","startTime":901.071,"endTime":901.16,"body":"850,"},{"speaker":"Rod Griffin","startTime":901.791,"endTime":902.39,"body":"roughly"},{"speaker":"Rod Griffin","startTime":902.391,"endTime":902.57,"body":"is"},{"speaker":"Rod Griffin","startTime":902.571,"endTime":902.75,"body":"going"},{"speaker":"Rod Griffin","startTime":902.751,"endTime":902.84,"body":"to"},{"speaker":"Rod Griffin","startTime":902.841,"endTime":903.08,"body":"be"},{"speaker":"Rod Griffin","startTime":903.28,"endTime":903.28,"body":"the"},{"speaker":"Rod Griffin","startTime":903.28,"endTime":903.28,"body":","},{"speaker":"Rod Griffin","startTime":903.281,"endTime":903.8,"body":"the"},{"speaker":"Rod Griffin","startTime":903.86,"endTime":904.13,"body":"most"},{"speaker":"Rod Griffin","startTime":904.131,"endTime":904.52,"body":"common"},{"speaker":"Rod Griffin","startTime":904.521,"endTime":904.97,"body":"scale."},{"speaker":"Rebecca Wiggins","startTime":905.59,"endTime":906.01,"body":"And"},{"speaker":"Rebecca Wiggins","startTime":906.04,"endTime":906.4,"body":"what"},{"speaker":"Rebecca Wiggins","startTime":906.401,"endTime":906.58,"body":"would"},{"speaker":"Rebecca Wiggins","startTime":906.581,"endTime":906.7,"body":"you"},{"speaker":"Rebecca Wiggins","startTime":906.701,"endTime":906.94,"body":"say"},{"speaker":"Rebecca Wiggins","startTime":906.941,"endTime":907.09,"body":"are"},{"speaker":"Rebecca Wiggins","startTime":907.091,"endTime":907.21,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":907.211,"endTime":907.75,"body":"most"},{"speaker":"Rebecca Wiggins","startTime":907.78,"endTime":908.32,"body":"common"},{"speaker":"Rebecca Wiggins","startTime":908.321,"endTime":908.65,"body":"myths,"},{"speaker":"Rebecca Wiggins","startTime":908.651,"endTime":908.95,"body":"maybe"},{"speaker":"Rebecca Wiggins","startTime":908.951,"endTime":909.37,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":909.371,"endTime":909.88,"body":"top"},{"speaker":"Rebecca Wiggins","startTime":909.91,"endTime":910.24,"body":"one"},{"speaker":"Rebecca Wiggins","startTime":910.241,"endTime":910.36,"body":"or"},{"speaker":"Rebecca Wiggins","startTime":910.361,"endTime":910.69,"body":"two"},{"speaker":"Rebecca Wiggins","startTime":910.691,"endTime":911.02,"body":"myths"},{"speaker":"Rebecca Wiggins","startTime":911.021,"endTime":911.17,"body":"that"},{"speaker":"Rebecca Wiggins","startTime":911.171,"endTime":911.35,"body":"you"},{"speaker":"Rebecca Wiggins","startTime":911.351,"endTime":911.8,"body":"hear"},{"speaker":"Rebecca Wiggins","startTime":911.801,"endTime":912.16,"body":"about"},{"speaker":"Rebecca Wiggins","startTime":912.161,"endTime":912.52,"body":"credit"},{"speaker":"Rebecca Wiggins","startTime":912.161,"endTime":912.52,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":912.521,"endTime":912.55,"body":"lot?"},{"speaker":"Rod Griffin","startTime":913.37,"endTime":913.37,"body":"Know"},{"speaker":"Rod Griffin","startTime":913.37,"endTime":913.37,"body":","},{"speaker":"Rod Griffin","startTime":913.371,"endTime":913.42,"body":"I"},{"speaker":"Rod Griffin","startTime":913.421,"endTime":913.63,"body":"think"},{"speaker":"Rod Griffin","startTime":913.631,"endTime":913.78,"body":"the"},{"speaker":"Rod Griffin","startTime":913.781,"endTime":914.11,"body":"first"},{"speaker":"Rod Griffin","startTime":914.111,"endTime":914.23,"body":"would"},{"speaker":"Rod Griffin","startTime":914.231,"endTime":914.38,"body":"be"},{"speaker":"Rod Griffin","startTime":914.381,"endTime":914.71,"body":"that"},{"speaker":"Rod Griffin","startTime":915.22,"endTime":915.37,"body":"if"},{"speaker":"Rod Griffin","startTime":915.371,"endTime":915.52,"body":"you"},{"speaker":"Rod Griffin","startTime":915.521,"endTime":915.79,"body":"pay"},{"speaker":"Rod Griffin","startTime":915.791,"endTime":916.33,"body":"off"},{"speaker":"Rod Griffin","startTime":916.39,"endTime":916.51,"body":"a"},{"speaker":"Rod Griffin","startTime":916.511,"endTime":916.81,"body":"bad"},{"speaker":"Rod Griffin","startTime":916.811,"endTime":916.96,"body":"debt,"},{"speaker":"Rod Griffin","startTime":916.961,"endTime":917.05,"body":"it"},{"speaker":"Rod Griffin","startTime":917.051,"endTime":917.17,"body":"will"},{"speaker":"Rod Griffin","startTime":917.171,"endTime":917.35,"body":"go"},{"speaker":"Rod Griffin","startTime":917.351,"endTime":917.8,"body":"away."},{"speaker":"Rod Griffin","startTime":918.31,"endTime":918.61,"body":"So"},{"speaker":"Rod Griffin","startTime":918.611,"endTime":918.73,"body":"if"},{"speaker":"Rod Griffin","startTime":918.731,"endTime":918.82,"body":"you"},{"speaker":"Rod Griffin","startTime":918.821,"endTime":918.97,"body":"have"},{"speaker":"Rod Griffin","startTime":918.971,"endTime":919.03,"body":"a"},{"speaker":"Rod Griffin","startTime":919.031,"endTime":919.39,"body":"collection"},{"speaker":"Rod Griffin","startTime":919.391,"endTime":919.6,"body":"account,"},{"speaker":"Rod Griffin","startTime":919.601,"endTime":919.69,"body":"you"},{"speaker":"Rod Griffin","startTime":919.691,"endTime":919.87,"body":"pay"},{"speaker":"Rod Griffin","startTime":919.871,"endTime":919.96,"body":"it"},{"speaker":"Rod Griffin","startTime":919.961,"endTime":920.17,"body":"off."},{"speaker":"Rod Griffin","startTime":920.2,"endTime":920.35,"body":"It's"},{"speaker":"Rod Griffin","startTime":920.351,"endTime":920.53,"body":"not"},{"speaker":"Rod Griffin","startTime":920.531,"endTime":920.65,"body":"going"},{"speaker":"Rod Griffin","startTime":920.651,"endTime":920.71,"body":"to"},{"speaker":"Rod Griffin","startTime":920.711,"endTime":920.95,"body":"fall"},{"speaker":"Rod Griffin","startTime":920.951,"endTime":921.13,"body":"off"},{"speaker":"Rod Griffin","startTime":921.131,"endTime":921.22,"body":"the"},{"speaker":"Rod Griffin","startTime":921.221,"endTime":921.55,"body":"credit"},{"speaker":"Rod Griffin","startTime":921.551,"endTime":922.0,"body":"report,"},{"speaker":"Rod Griffin","startTime":922.69,"endTime":922.9,"body":"your"},{"speaker":"Rod Griffin","startTime":922.901,"endTime":923.17,"body":"credit"},{"speaker":"Rod Griffin","startTime":923.171,"endTime":923.53,"body":"reports"},{"speaker":"Rod Griffin","startTime":923.56,"endTime":923.56,"body":"or"},{"speaker":"Rod Griffin","startTime":923.561,"endTime":923.89,"body":"credit"},{"speaker":"Rod Griffin","startTime":923.891,"endTime":924.52,"body":"history."},{"speaker":"Rod Griffin","startTime":925.18,"endTime":925.18,"body":"And"},{"speaker":"Rod Griffin","startTime":925.39,"endTime":926.02,"body":"that's"},{"speaker":"Rod Griffin","startTime":926.05,"endTime":926.8,"body":"a"},{"speaker":"Rod Griffin","startTime":926.83,"endTime":927.22,"body":"common"},{"speaker":"Rod Griffin","startTime":927.221,"endTime":928.27,"body":"misunderstanding"},{"speaker":"Rod Griffin","startTime":928.69,"endTime":929.14,"body":"that"},{"speaker":"Rod Griffin","startTime":929.32,"endTime":929.83,"body":"confuses"},{"speaker":"Rod Griffin","startTime":929.32,"endTime":929.83,"body":"people"},{"speaker":"Rod Griffin","startTime":929.831,"endTime":930.1,"body":"sometimes."},{"speaker":"Rod Griffin","startTime":930.521,"endTime":930.61,"body":"You"},{"speaker":"Rod Griffin","startTime":930.611,"endTime":930.67,"body":"know,"},{"speaker":"Rod Griffin","startTime":930.671,"endTime":930.79,"body":"they'll"},{"speaker":"Rod Griffin","startTime":931.06,"endTime":931.27,"body":"tell"},{"speaker":"Rod Griffin","startTime":931.271,"endTime":931.42,"body":"me"},{"speaker":"Rod Griffin","startTime":931.421,"endTime":931.6,"body":"I've"},{"speaker":"Rod Griffin","startTime":931.81,"endTime":931.81,"body":"paid"},{"speaker":"Rod Griffin","startTime":931.87,"endTime":931.87,"body":"it"},{"speaker":"Rod Griffin","startTime":931.871,"endTime":932.08,"body":"off."},{"speaker":"Rod Griffin","startTime":932.081,"endTime":932.17,"body":"Why"},{"speaker":"Rod Griffin","startTime":932.171,"endTime":932.26,"body":"is"},{"speaker":"Rod Griffin","startTime":932.261,"endTime":932.35,"body":"it"},{"speaker":"Rod Griffin","startTime":932.351,"endTime":932.59,"body":"still"},{"speaker":"Rod Griffin","startTime":932.591,"endTime":932.86,"body":"there?"},{"speaker":"Rod Griffin","startTime":932.861,"endTime":933.19,"body":"Well,"},{"speaker":"Rod Griffin","startTime":933.22,"endTime":933.46,"body":"it's"},{"speaker":"Rod Griffin","startTime":933.49,"endTime":933.7,"body":"a"},{"speaker":"Rod Griffin","startTime":933.91,"endTime":934.51,"body":"history."},{"speaker":"Rod Griffin","startTime":934.9,"endTime":935.05,"body":"The"},{"speaker":"Rod Griffin","startTime":935.051,"endTime":935.29,"body":"good"},{"speaker":"Rod Griffin","startTime":935.291,"endTime":935.53,"body":"news"},{"speaker":"Rod Griffin","startTime":935.531,"endTime":935.83,"body":"is"},{"speaker":"Rod Griffin","startTime":935.831,"endTime":935.98,"body":"if"},{"speaker":"Rod Griffin","startTime":935.981,"endTime":936.1,"body":"you"},{"speaker":"Rod Griffin","startTime":936.101,"endTime":936.58,"body":"have"},{"speaker":"Rod Griffin","startTime":936.581,"endTime":936.7,"body":"a"},{"speaker":"Rod Griffin","startTime":936.701,"endTime":937.18,"body":"collection"},{"speaker":"Rod Griffin","startTime":937.181,"endTime":937.48,"body":"account"},{"speaker":"Rod Griffin","startTime":937.481,"endTime":937.9,"body":"today,"},{"speaker":"Rod Griffin","startTime":938.02,"endTime":938.65,"body":"especially"},{"speaker":"Rod Griffin","startTime":938.68,"endTime":938.77,"body":"if"},{"speaker":"Rod Griffin","startTime":938.771,"endTime":938.86,"body":"you"},{"speaker":"Rod Griffin","startTime":938.861,"endTime":939.07,"body":"pay"},{"speaker":"Rod Griffin","startTime":939.071,"endTime":939.28,"body":"off"},{"speaker":"Rod Griffin","startTime":939.281,"endTime":939.43,"body":"that"},{"speaker":"Rod Griffin","startTime":939.431,"endTime":939.85,"body":"collection"},{"speaker":"Rod Griffin","startTime":939.851,"endTime":940.27,"body":"account,"},{"speaker":"Rod Griffin","startTime":941.2,"endTime":941.59,"body":"most"},{"speaker":"Rod Griffin","startTime":941.981,"endTime":942.58,"body":"scores"},{"speaker":"Rod Griffin","startTime":942.581,"endTime":942.67,"body":"and"},{"speaker":"Rod Griffin","startTime":942.671,"endTime":942.97,"body":"newest"},{"speaker":"Rod Griffin","startTime":942.971,"endTime":943.42,"body":"scores"},{"speaker":"Rod Griffin","startTime":943.421,"endTime":943.93,"body":"will"},{"speaker":"Rod Griffin","startTime":944.02,"endTime":944.5,"body":"ignore"},{"speaker":"Rod Griffin","startTime":944.501,"endTime":944.65,"body":"it"},{"speaker":"Rod Griffin","startTime":944.68,"endTime":944.86,"body":"when"},{"speaker":"Rod Griffin","startTime":944.861,"endTime":944.98,"body":"they"},{"speaker":"Rod Griffin","startTime":944.981,"endTime":945.58,"body":"calculate"},{"speaker":"Rod Griffin","startTime":945.581,"endTime":945.7,"body":"the"},{"speaker":"Rod Griffin","startTime":945.701,"endTime":946.06,"body":"score."},{"speaker":"Rod Griffin","startTime":946.061,"endTime":946.21,"body":"So"},{"speaker":"Rod Griffin","startTime":946.211,"endTime":946.42,"body":"paying"},{"speaker":"Rod Griffin","startTime":946.421,"endTime":946.57,"body":"off"},{"speaker":"Rod Griffin","startTime":946.571,"endTime":946.63,"body":"a"},{"speaker":"Rod Griffin","startTime":946.631,"endTime":946.99,"body":"collection"},{"speaker":"Rod Griffin","startTime":946.991,"endTime":947.32,"body":"account"},{"speaker":"Rod Griffin","startTime":948.13,"endTime":948.31,"body":"may"},{"speaker":"Rod Griffin","startTime":948.311,"endTime":948.55,"body":"still"},{"speaker":"Rod Griffin","startTime":948.551,"endTime":948.67,"body":"be"},{"speaker":"Rod Griffin","startTime":948.671,"endTime":948.73,"body":"in"},{"speaker":"Rod Griffin","startTime":948.731,"endTime":948.79,"body":"the"},{"speaker":"Rod Griffin","startTime":948.791,"endTime":949.03,"body":"credit"},{"speaker":"Rod Griffin","startTime":949.031,"endTime":949.42,"body":"report,"},{"speaker":"Rod Griffin","startTime":949.6,"endTime":949.78,"body":"but"},{"speaker":"Rod Griffin","startTime":949.781,"endTime":949.87,"body":"it"},{"speaker":"Rod Griffin","startTime":950.14,"endTime":950.32,"body":"could"},{"speaker":"Rod Griffin","startTime":950.321,"endTime":950.47,"body":"help"},{"speaker":"Rod Griffin","startTime":950.471,"endTime":950.59,"body":"your"},{"speaker":"Rod Griffin","startTime":950.591,"endTime":950.83,"body":"credit"},{"speaker":"Rod Griffin","startTime":950.831,"endTime":951.13,"body":"scores"},{"speaker":"Rod Griffin","startTime":951.131,"endTime":951.73,"body":"immediately."},{"speaker":"Rod Griffin","startTime":951.79,"endTime":952.0,"body":"That's"},{"speaker":"Rod Griffin","startTime":952.001,"endTime":952.12,"body":"an"},{"speaker":"Rod Griffin","startTime":952.121,"endTime":952.57,"body":"important"},{"speaker":"Rod Griffin","startTime":952.571,"endTime":952.75,"body":"one,"},{"speaker":"Rod Griffin","startTime":952.751,"endTime":952.9,"body":"your"},{"speaker":"Rod Griffin","startTime":952.901,"endTime":953.14,"body":"credit"},{"speaker":"Rod Griffin","startTime":953.141,"endTime":953.5,"body":"reports"},{"speaker":"Rod Griffin","startTime":953.141,"endTime":953.5,"body":"a"},{"speaker":"Rod Griffin","startTime":953.561,"endTime":953.8,"body":"credit"},{"speaker":"Rod Griffin","startTime":953.801,"endTime":954.49,"body":"history."},{"speaker":"Rod Griffin","startTime":954.94,"endTime":955.15,"body":"So"},{"speaker":"Rod Griffin","startTime":956.15,"endTime":956.4,"body":"you"},{"speaker":"Rod Griffin","startTime":956.44,"endTime":956.56,"body":"have"},{"speaker":"Rod Griffin","startTime":956.561,"endTime":956.65,"body":"to"},{"speaker":"Rod Griffin","startTime":956.651,"endTime":956.8,"body":"keep"},{"speaker":"Rod Griffin","startTime":956.801,"endTime":956.95,"body":"that"},{"speaker":"Rod Griffin","startTime":956.951,"endTime":957.04,"body":"in"},{"speaker":"Rod Griffin","startTime":957.041,"endTime":957.43,"body":"mind."},{"speaker":"Rod Griffin","startTime":957.88,"endTime":958.27,"body":"If"},{"speaker":"Rod Griffin","startTime":958.691,"endTime":958.87,"body":"you"},{"speaker":"Rod Griffin","startTime":959.29,"endTime":959.89,"body":"have"},{"speaker":"Rod Griffin","startTime":959.29,"endTime":959.89,"body":"a"},{"speaker":"Rod Griffin","startTime":959.89,"endTime":959.89,"body":","},{"speaker":"Rod Griffin","startTime":959.92,"endTime":960.4,"body":"have"},{"speaker":"Rod Griffin","startTime":961.211,"endTime":961.48,"body":"late"},{"speaker":"Rod Griffin","startTime":961.481,"endTime":961.96,"body":"payments,"},{"speaker":"Rod Griffin","startTime":961.961,"endTime":962.08,"body":"your"},{"speaker":"Rod Griffin","startTime":962.081,"endTime":962.35,"body":"credit"},{"speaker":"Rod Griffin","startTime":962.351,"endTime":962.74,"body":"history"},{"speaker":"Rod Griffin","startTime":962.741,"endTime":963.04,"body":"isn't"},{"speaker":"Rod Griffin","startTime":963.041,"endTime":963.58,"body":"permanent."},{"speaker":"Rod Griffin","startTime":963.88,"endTime":964.15,"body":"People"},{"speaker":"Rod Griffin","startTime":964.151,"endTime":964.36,"body":"think"},{"speaker":"Rod Griffin","startTime":964.361,"endTime":964.48,"body":"it's"},{"speaker":"Rod Griffin","startTime":964.481,"endTime":964.66,"body":"kind"},{"speaker":"Rod Griffin","startTime":964.661,"endTime":964.72,"body":"of"},{"speaker":"Rod Griffin","startTime":964.721,"endTime":964.87,"body":"like"},{"speaker":"Rod Griffin","startTime":964.871,"endTime":965.02,"body":"that,"},{"speaker":"Rod Griffin","startTime":965.05,"endTime":965.32,"body":"going"},{"speaker":"Rod Griffin","startTime":965.321,"endTime":965.5,"body":"back"},{"speaker":"Rod Griffin","startTime":965.501,"endTime":965.59,"body":"to"},{"speaker":"Rod Griffin","startTime":965.65,"endTime":965.65,"body":"the"},{"speaker":"Rod Griffin","startTime":965.651,"endTime":965.98,"body":"school"},{"speaker":"Rod Griffin","startTime":965.981,"endTime":966.58,"body":"analogy,"},{"speaker":"Rod Griffin","startTime":966.581,"endTime":966.64,"body":"a"},{"speaker":"Rod Griffin","startTime":966.641,"endTime":967.06,"body":"permanent"},{"speaker":"Rod Griffin","startTime":967.061,"endTime":967.45,"body":"record,"},{"speaker":"Rod Griffin","startTime":967.81,"endTime":968.08,"body":"it's"},{"speaker":"Rod Griffin","startTime":968.081,"endTime":968.68,"body":"not."},{"speaker":"Rod Griffin","startTime":969.191,"endTime":969.43,"body":"So"},{"speaker":"Rod Griffin","startTime":969.431,"endTime":969.61,"body":"you"},{"speaker":"Rod Griffin","startTime":969.611,"endTime":969.79,"body":"can"},{"speaker":"Rod Griffin","startTime":969.791,"endTime":970.18,"body":"change"},{"speaker":"Rod Griffin","startTime":970.181,"endTime":970.27,"body":"your"},{"speaker":"Rod Griffin","startTime":970.271,"endTime":970.54,"body":"credit"},{"speaker":"Rod Griffin","startTime":970.541,"endTime":970.84,"body":"history"},{"speaker":"Rod Griffin","startTime":970.841,"endTime":971.05,"body":"over"},{"speaker":"Rod Griffin","startTime":971.051,"endTime":971.41,"body":"time."},{"speaker":"Rod Griffin","startTime":971.411,"endTime":971.56,"body":"So"},{"speaker":"Rod Griffin","startTime":971.561,"endTime":971.62,"body":"if"},{"speaker":"Rod Griffin","startTime":971.621,"endTime":971.74,"body":"you"},{"speaker":"Rod Griffin","startTime":971.741,"endTime":972.01,"body":"catch"},{"speaker":"Rod Griffin","startTime":972.011,"endTime":972.16,"body":"up"},{"speaker":"Rod Griffin","startTime":972.161,"endTime":972.31,"body":"on"},{"speaker":"Rod Griffin","startTime":972.311,"endTime":972.52,"body":"late"},{"speaker":"Rod Griffin","startTime":972.521,"endTime":972.91,"body":"payments,"},{"speaker":"Rod Griffin","startTime":972.911,"endTime":973.39,"body":"eventually"},{"speaker":"Rod Griffin","startTime":973.391,"endTime":973.57,"body":"they'll"},{"speaker":"Rod Griffin","startTime":973.571,"endTime":973.87,"body":"fall"},{"speaker":"Rod Griffin","startTime":973.871,"endTime":974.2,"body":"off"},{"speaker":"Rod Griffin","startTime":974.61,"endTime":975.04,"body":"of"},{"speaker":"Rod Griffin","startTime":975.041,"endTime":975.13,"body":"the"},{"speaker":"Rod Griffin","startTime":975.131,"endTime":975.37,"body":"credit"},{"speaker":"Rod Griffin","startTime":975.371,"endTime":975.7,"body":"report."},{"speaker":"Rod Griffin","startTime":975.701,"endTime":975.79,"body":"You"},{"speaker":"Rod Griffin","startTime":975.791,"endTime":975.91,"body":"can"},{"speaker":"Rod Griffin","startTime":975.911,"endTime":976.3,"body":"restore"},{"speaker":"Rod Griffin","startTime":976.301,"endTime":976.45,"body":"that"},{"speaker":"Rod Griffin","startTime":976.451,"endTime":976.69,"body":"credit"},{"speaker":"Rod Griffin","startTime":976.691,"endTime":976.93,"body":"history."},{"speaker":"Rod Griffin","startTime":976.931,"endTime":977.29,"body":"So"},{"speaker":"Rod Griffin","startTime":977.62,"endTime":977.77,"body":"if"},{"speaker":"Rod Griffin","startTime":977.771,"endTime":977.86,"body":"you've"},{"speaker":"Rod Griffin","startTime":977.861,"endTime":978.01,"body":"had"},{"speaker":"Rod Griffin","startTime":978.011,"endTime":978.13,"body":"some"},{"speaker":"Rod Griffin","startTime":978.131,"endTime":978.61,"body":"issues"},{"speaker":"Rod Griffin","startTime":979.72,"endTime":979.72,"body":"know"},{"speaker":"Rod Griffin","startTime":979.721,"endTime":979.9,"body":"that"},{"speaker":"Rod Griffin","startTime":979.901,"endTime":980.05,"body":"it's"},{"speaker":"Rod Griffin","startTime":980.051,"endTime":980.35,"body":"not"},{"speaker":"Rod Griffin","startTime":980.41,"endTime":980.98,"body":"permanent,"},{"speaker":"Rod Griffin","startTime":980.981,"endTime":981.13,"body":"that"},{"speaker":"Rod Griffin","startTime":981.131,"endTime":981.31,"body":"you"},{"speaker":"Rod Griffin","startTime":981.311,"endTime":981.61,"body":"can"},{"speaker":"Rod Griffin","startTime":981.611,"endTime":982.18,"body":"change"},{"speaker":"Rod Griffin","startTime":982.181,"endTime":982.36,"body":"that"},{"speaker":"Rod Griffin","startTime":982.361,"endTime":982.69,"body":"history,"},{"speaker":"Rod Griffin","startTime":982.691,"endTime":982.9,"body":"you"},{"speaker":"Rod Griffin","startTime":982.901,"endTime":983.11,"body":"can"},{"speaker":"Rod Griffin","startTime":983.111,"endTime":983.38,"body":"own"},{"speaker":"Rod Griffin","startTime":983.381,"endTime":983.5,"body":"it"},{"speaker":"Rod Griffin","startTime":983.501,"endTime":983.74,"body":"and"},{"speaker":"Rod Griffin","startTime":983.741,"endTime":984.19,"body":"control"},{"speaker":"Rod Griffin","startTime":984.191,"endTime":984.34,"body":"it."},{"speaker":"Rod Griffin","startTime":984.82,"endTime":985.12,"body":"That's"},{"speaker":"Rod Griffin","startTime":985.121,"endTime":985.39,"body":"really"},{"speaker":"Rod Griffin","startTime":985.391,"endTime":985.96,"body":"important."},{"speaker":"Rod Griffin","startTime":986.89,"endTime":987.79,"body":"Another,"},{"speaker":"Rod Griffin","startTime":987.85,"endTime":987.97,"body":"you"},{"speaker":"Rod Griffin","startTime":987.971,"endTime":988.03,"body":"know,"},{"speaker":"Rod Griffin","startTime":988.031,"endTime":988.12,"body":"we"},{"speaker":"Rod Griffin","startTime":988.121,"endTime":988.27,"body":"kind"},{"speaker":"Rod Griffin","startTime":988.271,"endTime":988.33,"body":"of"},{"speaker":"Rod Griffin","startTime":988.331,"endTime":988.63,"body":"touched"},{"speaker":"Rod Griffin","startTime":988.631,"endTime":988.72,"body":"on"},{"speaker":"Rod Griffin","startTime":988.721,"endTime":988.81,"body":"the"},{"speaker":"Rod Griffin","startTime":988.811,"endTime":989.2,"body":"scoring"},{"speaker":"Rod Griffin","startTime":989.201,"endTime":989.47,"body":"thing."},{"speaker":"Rod Griffin","startTime":989.471,"endTime":989.56,"body":"You"},{"speaker":"Rod Griffin","startTime":989.561,"endTime":989.65,"body":"know,"},{"speaker":"Rod Griffin","startTime":989.651,"endTime":989.92,"body":"credit"},{"speaker":"Rod Griffin","startTime":990.16,"endTime":990.16,"body":"score"},{"speaker":"Rod Griffin","startTime":990.25,"endTime":990.25,"body":"is"},{"speaker":"Rod Griffin","startTime":990.251,"endTime":990.49,"body":"part"},{"speaker":"Rod Griffin","startTime":990.491,"endTime":990.55,"body":"of"},{"speaker":"Rod Griffin","startTime":990.551,"endTime":990.61,"body":"a"},{"speaker":"Rod Griffin","startTime":990.611,"endTime":990.91,"body":"credit"},{"speaker":"Rod Griffin","startTime":990.911,"endTime":991.36,"body":"report."},{"speaker":"Rod Griffin","startTime":991.361,"endTime":991.51,"body":"It's"},{"speaker":"Rod Griffin","startTime":991.511,"endTime":991.9,"body":"not,"},{"speaker":"Rod Griffin","startTime":991.901,"endTime":992.11,"body":"that's"},{"speaker":"Rod Griffin","startTime":992.111,"endTime":992.17,"body":"a"},{"speaker":"Rod Griffin","startTime":992.171,"endTime":992.41,"body":"very"},{"speaker":"Rod Griffin","startTime":992.411,"endTime":992.8,"body":"common"},{"speaker":"Rod Griffin","startTime":992.801,"endTime":993.16,"body":"myth."},{"speaker":"Rod Griffin","startTime":993.73,"endTime":994.12,"body":"And"},{"speaker":"Rod Griffin","startTime":994.21,"endTime":994.39,"body":"I"},{"speaker":"Rod Griffin","startTime":994.391,"endTime":994.69,"body":"often"},{"speaker":"Rod Griffin","startTime":994.691,"endTime":994.96,"body":"hear"},{"speaker":"Rod Griffin","startTime":994.961,"endTime":995.56,"body":"people"},{"speaker":"Rod Griffin","startTime":996.34,"endTime":996.94,"body":"confuse"},{"speaker":"Rod Griffin","startTime":996.941,"endTime":997.18,"body":"credit"},{"speaker":"Rod Griffin","startTime":997.181,"endTime":997.51,"body":"reports"},{"speaker":"Rod Griffin","startTime":997.511,"endTime":997.6,"body":"and"},{"speaker":"Rod Griffin","startTime":997.601,"endTime":997.9,"body":"scores."},{"speaker":"Rod Griffin","startTime":997.901,"endTime":998.08,"body":"So"},{"speaker":"Rod Griffin","startTime":998.081,"endTime":998.2,"body":"a"},{"speaker":"Rod Griffin","startTime":998.201,"endTime":998.56,"body":"credit"},{"speaker":"Rod Griffin","startTime":998.561,"endTime":998.89,"body":"score"},{"speaker":"Rod Griffin","startTime":998.891,"endTime":999.04,"body":"is"},{"speaker":"Rod Griffin","startTime":999.041,"endTime":999.37,"body":"not"},{"speaker":"Rod Griffin","startTime":999.371,"endTime":999.49,"body":"a"},{"speaker":"Rod Griffin","startTime":999.52,"endTime":999.82,"body":"credit"},{"speaker":"Rod Griffin","startTime":999.821,"endTime":1000.3,"body":"report."},{"speaker":"Rod Griffin","startTime":1000.301,"endTime":1000.36,"body":"I"},{"speaker":"Rod Griffin","startTime":1000.361,"endTime":1000.57,"body":"think"},{"speaker":"Rod Griffin","startTime":1000.571,"endTime":1000.81,"body":"that's"},{"speaker":"Rod Griffin","startTime":1000.811,"endTime":1000.87,"body":"a"},{"speaker":"Rod Griffin","startTime":1000.871,"endTime":1001.2,"body":"myth"},{"speaker":"Rod Griffin","startTime":1001.201,"endTime":1001.32,"body":"that"},{"speaker":"Rod Griffin","startTime":1001.321,"endTime":1001.47,"body":"we"},{"speaker":"Rod Griffin","startTime":1001.471,"endTime":1001.68,"body":"have"},{"speaker":"Rod Griffin","startTime":1001.681,"endTime":1001.92,"body":"to"},{"speaker":"Rod Griffin","startTime":1002.4,"endTime":1002.82,"body":"really"},{"speaker":"Rod Griffin","startTime":1002.821,"endTime":1003.39,"body":"address,"},{"speaker":"Rod Griffin","startTime":1003.48,"endTime":1003.57,"body":"you"},{"speaker":"Rod Griffin","startTime":1003.571,"endTime":1003.69,"body":"know,"},{"speaker":"Rod Griffin","startTime":1003.691,"endTime":1003.81,"body":"that"},{"speaker":"Rod Griffin","startTime":1003.93,"endTime":1003.93,"body":"they're"},{"speaker":"Rod Griffin","startTime":1003.931,"endTime":1004.08,"body":"two"},{"speaker":"Rod Griffin","startTime":1004.081,"endTime":1004.44,"body":"different"},{"speaker":"Rod Griffin","startTime":1004.441,"endTime":1004.95,"body":"things."},{"speaker":"Rod Griffin","startTime":1005.7,"endTime":1006.51,"body":"Another"},{"speaker":"Rod Griffin","startTime":1007.14,"endTime":1007.35,"body":"kind"},{"speaker":"Rod Griffin","startTime":1007.351,"endTime":1007.41,"body":"of"},{"speaker":"Rod Griffin","startTime":1007.411,"endTime":1008.01,"body":"hard"},{"speaker":"Rod Griffin","startTime":1008.011,"endTime":1008.49,"body":"one,"},{"speaker":"Rod Griffin","startTime":1008.491,"endTime":1008.7,"body":"it's"},{"speaker":"Rod Griffin","startTime":1008.73,"endTime":1009.15,"body":"not"},{"speaker":"Rod Griffin","startTime":1009.59,"endTime":1009.9,"body":"doesn't"},{"speaker":"Rod Griffin","startTime":1009.901,"endTime":1010.23,"body":"affect"},{"speaker":"Rod Griffin","startTime":1010.231,"endTime":1010.86,"body":"everybody,"},{"speaker":"Rod Griffin","startTime":1010.861,"endTime":1011.25,"body":"but"},{"speaker":"Rod Griffin","startTime":1011.46,"endTime":1011.7,"body":"about"},{"speaker":"Rod Griffin","startTime":1011.701,"endTime":1012.03,"body":"half"},{"speaker":"Rod Griffin","startTime":1012.031,"endTime":1012.15,"body":"the"},{"speaker":"Rod Griffin","startTime":1012.151,"endTime":1012.93,"body":"population"},{"speaker":"Rod Griffin","startTime":1013.23,"endTime":1013.38,"body":"or"},{"speaker":"Rod Griffin","startTime":1013.381,"endTime":1013.56,"body":"half"},{"speaker":"Rod Griffin","startTime":1013.561,"endTime":1013.71,"body":"of"},{"speaker":"Rod Griffin","startTime":1013.86,"endTime":1013.86,"body":"the"},{"speaker":"Rod Griffin","startTime":1013.86,"endTime":1013.86,"body":","},{"speaker":"Rod Griffin","startTime":1013.861,"endTime":1014.13,"body":"the"},{"speaker":"Rod Griffin","startTime":1014.131,"endTime":1014.43,"body":"married"},{"speaker":"Rod Griffin","startTime":1014.431,"endTime":1015.15,"body":"population,"},{"speaker":"Rod Griffin","startTime":1015.75,"endTime":1015.87,"body":"a"},{"speaker":"Rod Griffin","startTime":1015.871,"endTime":1016.41,"body":"divorce"},{"speaker":"Rod Griffin","startTime":1016.411,"endTime":1016.98,"body":"decree"},{"speaker":"Rod Griffin","startTime":1017.91,"endTime":1018.18,"body":"does"},{"speaker":"Rod Griffin","startTime":1018.181,"endTime":1018.6,"body":"not,"},{"speaker":"Rod Griffin","startTime":1018.69,"endTime":1019.23,"body":"excuse"},{"speaker":"Rod Griffin","startTime":1019.231,"endTime":1019.38,"body":"me."},{"speaker":"Rod Griffin","startTime":1019.38,"endTime":1019.44,"body":"A"},{"speaker":"Rod Griffin","startTime":1019.441,"endTime":1019.86,"body":"divorce"},{"speaker":"Rod Griffin","startTime":1019.861,"endTime":1020.13,"body":"decree"},{"speaker":"Rod Griffin","startTime":1020.131,"endTime":1020.34,"body":"does"},{"speaker":"Rod Griffin","startTime":1020.341,"endTime":1020.82,"body":"not"},{"speaker":"Rod Griffin","startTime":1021.36,"endTime":1022.41,"body":"remove"},{"speaker":"Rod Griffin","startTime":1022.44,"endTime":1022.71,"body":"your"},{"speaker":"Rod Griffin","startTime":1022.711,"endTime":1023.7,"body":"responsibility"},{"speaker":"Rod Griffin","startTime":1023.701,"endTime":1023.94,"body":"for"},{"speaker":"Rod Griffin","startTime":1023.941,"endTime":1024.45,"body":"accounts"},{"speaker":"Rod Griffin","startTime":1024.451,"endTime":1024.54,"body":"in"},{"speaker":"Rod Griffin","startTime":1024.541,"endTime":1024.6,"body":"the"},{"speaker":"Rod Griffin","startTime":1024.601,"endTime":1024.96,"body":"credit"},{"speaker":"Rod Griffin","startTime":1024.961,"endTime":1025.41,"body":"report."},{"speaker":"Rod Griffin","startTime":1025.77,"endTime":1025.86,"body":"So,"},{"speaker":"Rod Griffin","startTime":1026.82,"endTime":1026.82,"body":"you"},{"speaker":"Rod Griffin","startTime":1026.87,"endTime":1026.87,"body":"know"},{"speaker":"Rod Griffin","startTime":1026.87,"endTime":1026.87,"body":","},{"speaker":"Rod Griffin","startTime":1026.871,"endTime":1027.03,"body":"the"},{"speaker":"Rod Griffin","startTime":1027.031,"endTime":1027.33,"body":"myth"},{"speaker":"Rod Griffin","startTime":1027.331,"endTime":1027.48,"body":"is"},{"speaker":"Rod Griffin","startTime":1027.481,"endTime":1027.63,"body":"if"},{"speaker":"Rod Griffin","startTime":1027.631,"endTime":1027.72,"body":"I"},{"speaker":"Rod Griffin","startTime":1027.721,"endTime":1027.87,"body":"have"},{"speaker":"Rod Griffin","startTime":1027.871,"endTime":1027.93,"body":"a"},{"speaker":"Rod Griffin","startTime":1027.931,"endTime":1028.32,"body":"divorce"},{"speaker":"Rod Griffin","startTime":1028.321,"endTime":1028.56,"body":"decree,"},{"speaker":"Rod Griffin","startTime":1028.561,"endTime":1028.65,"body":"I'm"},{"speaker":"Rod Griffin","startTime":1028.651,"endTime":1028.8,"body":"no"},{"speaker":"Rod Griffin","startTime":1028.801,"endTime":1029.13,"body":"longer"},{"speaker":"Rod Griffin","startTime":1029.131,"endTime":1029.88,"body":"responsible"},{"speaker":"Rod Griffin","startTime":1029.881,"endTime":1030.03,"body":"for"},{"speaker":"Rod Griffin","startTime":1030.031,"endTime":1030.24,"body":"that"},{"speaker":"Rod Griffin","startTime":1030.241,"endTime":1030.6,"body":"debt."},{"speaker":"Rod Griffin","startTime":1030.84,"endTime":1031.02,"body":"If"},{"speaker":"Rod Griffin","startTime":1031.021,"endTime":1031.11,"body":"the"},{"speaker":"Rod Griffin","startTime":1031.111,"endTime":1031.44,"body":"divorce"},{"speaker":"Rod Griffin","startTime":1031.441,"endTime":1031.62,"body":"decree"},{"speaker":"Rod Griffin","startTime":1031.621,"endTime":1031.83,"body":"says"},{"speaker":"Rod Griffin","startTime":1031.831,"endTime":1031.95,"body":"I'm"},{"speaker":"Rod Griffin","startTime":1031.951,"endTime":1032.25,"body":"not,"},{"speaker":"Rod Griffin","startTime":1032.52,"endTime":1032.67,"body":"it's"},{"speaker":"Rod Griffin","startTime":1032.671,"endTime":1032.94,"body":"not"},{"speaker":"Rod Griffin","startTime":1032.941,"endTime":1033.45,"body":"true."},{"speaker":"Rod Griffin","startTime":1033.9,"endTime":1034.02,"body":"A"},{"speaker":"Rod Griffin","startTime":1034.021,"endTime":1034.44,"body":"divorce"},{"speaker":"Rod Griffin","startTime":1034.74,"endTime":1034.74,"body":"decrees"},{"speaker":"Rod Griffin","startTime":1034.85,"endTime":1034.85,"body":"in"},{"speaker":"Rod Griffin","startTime":1034.86,"endTime":1035.25,"body":"agreement"},{"speaker":"Rod Griffin","startTime":1035.251,"endTime":1035.61,"body":"between"},{"speaker":"Rod Griffin","startTime":1035.611,"endTime":1035.67,"body":"the"},{"speaker":"Rod Griffin","startTime":1035.671,"endTime":1036.21,"body":"divorcing"},{"speaker":"Rod Griffin","startTime":1036.211,"endTime":1036.57,"body":"couple"},{"speaker":"Rod Griffin","startTime":1036.69,"endTime":1036.69,"body":"in"},{"speaker":"Rod Griffin","startTime":1036.691,"endTime":1036.78,"body":"the,"},{"speaker":"Rod Griffin","startTime":1036.98,"endTime":1037.19,"body":"in"},{"speaker":"Rod Griffin","startTime":1037.191,"endTime":1037.28,"body":"the"},{"speaker":"Rod Griffin","startTime":1037.29,"endTime":1037.95,"body":"courts."},{"speaker":"Rod Griffin","startTime":1038.28,"endTime":1038.46,"body":"It"},{"speaker":"Rod Griffin","startTime":1038.461,"endTime":1038.7,"body":"does"},{"speaker":"Rod Griffin","startTime":1038.701,"endTime":1039.0,"body":"not"},{"speaker":"Rod Griffin","startTime":1039.001,"endTime":1039.27,"body":"break"},{"speaker":"Rod Griffin","startTime":1039.271,"endTime":1039.36,"body":"the"},{"speaker":"Rod Griffin","startTime":1039.361,"endTime":1039.96,"body":"contracts"},{"speaker":"Rod Griffin","startTime":1039.961,"endTime":1040.08,"body":"you"},{"speaker":"Rod Griffin","startTime":1040.081,"endTime":1040.47,"body":"have"},{"speaker":"Rod Griffin","startTime":1040.53,"endTime":1040.8,"body":"with"},{"speaker":"Rod Griffin","startTime":1040.801,"endTime":1040.92,"body":"your"},{"speaker":"Rod Griffin","startTime":1040.921,"endTime":1041.46,"body":"lenders."},{"speaker":"Rod Griffin","startTime":1041.97,"endTime":1042.27,"body":"Like"},{"speaker":"Rod Griffin","startTime":1042.271,"endTime":1042.33,"body":"I"},{"speaker":"Rod Griffin","startTime":1042.331,"endTime":1042.48,"body":"said,"},{"speaker":"Rod Griffin","startTime":1042.481,"endTime":1042.51,"body":"I"},{"speaker":"Rod Griffin","startTime":1042.511,"endTime":1042.69,"body":"think"},{"speaker":"Rod Griffin","startTime":1042.691,"endTime":1042.84,"body":"that's"},{"speaker":"Rod Griffin","startTime":1042.841,"endTime":1042.9,"body":"a"},{"speaker":"Rod Griffin","startTime":1042.901,"endTime":1043.11,"body":"really"},{"speaker":"Rod Griffin","startTime":1043.111,"endTime":1043.59,"body":"important"},{"speaker":"Rod Griffin","startTime":1043.591,"endTime":1043.77,"body":"one."},{"speaker":"Rod Griffin","startTime":1043.771,"endTime":1043.92,"body":"It's"},{"speaker":"Rod Griffin","startTime":1043.921,"endTime":1044.16,"body":"not"},{"speaker":"Rod Griffin","startTime":1044.161,"endTime":1044.55,"body":"always"},{"speaker":"Rod Griffin","startTime":1044.551,"endTime":1044.67,"body":"the"},{"speaker":"Rod Griffin","startTime":1044.671,"endTime":1045.24,"body":"most"},{"speaker":"Rod Griffin","startTime":1045.24,"endTime":1045.24,"body":","},{"speaker":"Rod Griffin","startTime":1046.23,"endTime":1046.68,"body":"common"},{"speaker":"Rod Griffin","startTime":1046.681,"endTime":1046.89,"body":"myth,"},{"speaker":"Rod Griffin","startTime":1046.891,"endTime":1047.04,"body":"but"},{"speaker":"Rod Griffin","startTime":1047.041,"endTime":1047.25,"body":"it's"},{"speaker":"Rod Griffin","startTime":1047.28,"endTime":1047.46,"body":"a"},{"speaker":"Rod Griffin","startTime":1047.461,"endTime":1047.73,"body":"really"},{"speaker":"Rod Griffin","startTime":1047.731,"endTime":1048.09,"body":"important"},{"speaker":"Rod Griffin","startTime":1048.091,"endTime":1048.21,"body":"one"},{"speaker":"Rod Griffin","startTime":1048.211,"endTime":1048.3,"body":"that,"},{"speaker":"Rod Griffin","startTime":1048.45,"endTime":1048.75,"body":"that,"},{"speaker":"Rod Griffin","startTime":1049.14,"endTime":1049.38,"body":"that"},{"speaker":"Rod Griffin","startTime":1049.381,"endTime":1049.5,"body":"I"},{"speaker":"Rod Griffin","startTime":1049.501,"endTime":1049.8,"body":"actually"},{"speaker":"Rod Griffin","startTime":1049.801,"endTime":1050.07,"body":"hear"},{"speaker":"Rod Griffin","startTime":1050.61,"endTime":1051.36,"body":"often."},{"speaker":"Rod Griffin","startTime":1051.93,"endTime":1052.14,"body":"So"},{"speaker":"Rod Griffin","startTime":1052.141,"endTime":1052.38,"body":"that's"},{"speaker":"Rod Griffin","startTime":1052.381,"endTime":1052.62,"body":"really"},{"speaker":"Rod Griffin","startTime":1052.621,"endTime":1053.19,"body":"important."},{"speaker":"Rod Griffin","startTime":1053.61,"endTime":1053.7,"body":"You"},{"speaker":"Rod Griffin","startTime":1053.851,"endTime":1053.94,"body":"know,"},{"speaker":"Rod Griffin","startTime":1053.941,"endTime":1054.0,"body":"I"},{"speaker":"Rod Griffin","startTime":1054.001,"endTime":1054.27,"body":"think"},{"speaker":"Rod Griffin","startTime":1055.35,"endTime":1055.5,"body":"we"},{"speaker":"Rod Griffin","startTime":1055.501,"endTime":1055.77,"body":"talked"},{"speaker":"Rod Griffin","startTime":1055.771,"endTime":1055.98,"body":"about"},{"speaker":"Rod Griffin","startTime":1055.981,"endTime":1056.64,"body":"scores"},{"speaker":"Rod Griffin","startTime":1056.64,"endTime":1056.64,"body":","},{"speaker":"Rod Griffin","startTime":1057.0,"endTime":1057.12,"body":"you"},{"speaker":"Rod Griffin","startTime":1057.3,"endTime":1057.3,"body":"know"},{"speaker":"Rod Griffin","startTime":1057.3,"endTime":1057.3,"body":","},{"speaker":"Rod Griffin","startTime":1057.51,"endTime":1057.78,"body":"credit"},{"speaker":"Rod Griffin","startTime":1057.96,"endTime":1057.96,"body":"score"},{"speaker":"Rod Griffin","startTime":1058.02,"endTime":1058.02,"body":"is"},{"speaker":"Rod Griffin","startTime":1058.021,"endTime":1058.26,"body":"not"},{"speaker":"Rod Griffin","startTime":1058.261,"endTime":1058.47,"body":"part"},{"speaker":"Rod Griffin","startTime":1058.471,"endTime":1058.53,"body":"of"},{"speaker":"Rod Griffin","startTime":1058.531,"endTime":1058.59,"body":"a"},{"speaker":"Rod Griffin","startTime":1058.591,"endTime":1058.86,"body":"credit"},{"speaker":"Rod Griffin","startTime":1058.861,"endTime":1059.31,"body":"report."},{"speaker":"Rod Griffin","startTime":1059.82,"endTime":1060.33,"body":"Another"},{"speaker":"Rod Griffin","startTime":1060.751,"endTime":1061.11,"body":"myth"},{"speaker":"Rod Griffin","startTime":1061.111,"endTime":1061.26,"body":"is"},{"speaker":"Rod Griffin","startTime":1061.261,"endTime":1061.38,"body":"that"},{"speaker":"Rod Griffin","startTime":1061.381,"endTime":1061.56,"body":"there's"},{"speaker":"Rod Griffin","startTime":1061.561,"endTime":1061.83,"body":"only"},{"speaker":"Rod Griffin","startTime":1061.831,"endTime":1062.1,"body":"one"},{"speaker":"Rod Griffin","startTime":1062.101,"endTime":1062.61,"body":"score"},{"speaker":"Rod Griffin","startTime":1062.611,"endTime":1062.76,"body":"and"},{"speaker":"Rod Griffin","startTime":1062.761,"endTime":1062.91,"body":"it's"},{"speaker":"Rod Griffin","startTime":1062.911,"endTime":1063.09,"body":"on"},{"speaker":"Rod Griffin","startTime":1063.091,"endTime":1063.33,"body":"every"},{"speaker":"Rod Griffin","startTime":1063.331,"endTime":1063.6,"body":"credit"},{"speaker":"Rod Griffin","startTime":1063.601,"endTime":1064.02,"body":"report."},{"speaker":"Rod Griffin","startTime":1064.15,"endTime":1064.37,"body":"And"},{"speaker":"Rod Griffin","startTime":1064.95,"endTime":1065.22,"body":"as"},{"speaker":"Rod Griffin","startTime":1065.221,"endTime":1065.28,"body":"I"},{"speaker":"Rod Griffin","startTime":1065.281,"endTime":1065.58,"body":"said,"},{"speaker":"Rod Griffin","startTime":1065.581,"endTime":1065.73,"body":"there"},{"speaker":"Rod Griffin","startTime":1065.731,"endTime":1065.91,"body":"are"},{"speaker":"Rod Griffin","startTime":1065.911,"endTime":1066.3,"body":"hundreds"},{"speaker":"Rod Griffin","startTime":1066.301,"endTime":1066.39,"body":"of"},{"speaker":"Rod Griffin","startTime":1066.391,"endTime":1066.66,"body":"different"},{"speaker":"Rod Griffin","startTime":1066.661,"endTime":1066.87,"body":"credit"},{"speaker":"Rod Griffin","startTime":1066.871,"endTime":1067.26,"body":"scores."},{"speaker":"Rod Griffin","startTime":1067.53,"endTime":1067.71,"body":"They're"},{"speaker":"Rod Griffin","startTime":1067.711,"endTime":1067.98,"body":"not"},{"speaker":"Rod Griffin","startTime":1067.981,"endTime":1068.22,"body":"part"},{"speaker":"Rod Griffin","startTime":1068.221,"endTime":1068.28,"body":"of"},{"speaker":"Rod Griffin","startTime":1068.281,"endTime":1068.34,"body":"a"},{"speaker":"Rod Griffin","startTime":1068.341,"endTime":1068.61,"body":"credit"},{"speaker":"Rod Griffin","startTime":1068.611,"endTime":1068.97,"body":"report."},{"speaker":"Rod Griffin","startTime":1069.08,"endTime":1069.29,"body":"That's"},{"speaker":"Rod Griffin","startTime":1069.291,"endTime":1069.53,"body":"a"},{"speaker":"Rod Griffin","startTime":1069.531,"endTime":1069.8,"body":"really"},{"speaker":"Rod Griffin","startTime":1069.801,"endTime":1070.22,"body":"important"},{"speaker":"Rod Griffin","startTime":1070.221,"endTime":1070.37,"body":"thing"},{"speaker":"Rod Griffin","startTime":1070.371,"endTime":1070.46,"body":"to"},{"speaker":"Rod Griffin","startTime":1070.461,"endTime":1071.09,"body":"understand."},{"speaker":"Dr. Mary Bell Carlson","startTime":1071.41,"endTime":1071.62,"body":"Yeah,"},{"speaker":"Dr. Mary Bell Carlson","startTime":1071.41,"endTime":1071.62,"body":"you've"},{"speaker":"Dr. Mary Bell Carlson","startTime":1071.621,"endTime":1071.77,"body":"done"},{"speaker":"Dr. Mary Bell Carlson","startTime":1071.771,"endTime":1071.83,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":1071.831,"endTime":1072.13,"body":"great"},{"speaker":"Dr. Mary Bell Carlson","startTime":1072.131,"endTime":1072.49,"body":"job"},{"speaker":"Dr. Mary Bell Carlson","startTime":1072.491,"endTime":1072.55,"body":"of"},{"speaker":"Dr. Mary Bell Carlson","startTime":1072.551,"endTime":1073.09,"body":"explaining"},{"speaker":"Dr. Mary Bell Carlson","startTime":1073.12,"endTime":1073.75,"body":"why"},{"speaker":"Dr. Mary Bell Carlson","startTime":1073.751,"endTime":1074.08,"body":"too"},{"speaker":"Dr. Mary Bell Carlson","startTime":1074.081,"endTime":1074.41,"body":"there's"},{"speaker":"Dr. Mary Bell Carlson","startTime":1074.411,"endTime":1074.68,"body":"so"},{"speaker":"Dr. Mary Bell Carlson","startTime":1074.681,"endTime":1074.95,"body":"many"},{"speaker":"Dr. Mary Bell Carlson","startTime":1074.951,"endTime":1075.28,"body":"different"},{"speaker":"Dr. Mary Bell Carlson","startTime":1075.281,"endTime":1075.61,"body":"scores."},{"speaker":"Dr. Mary Bell Carlson","startTime":1075.611,"endTime":1075.7,"body":"I"},{"speaker":"Dr. Mary Bell Carlson","startTime":1075.701,"endTime":1075.88,"body":"hear"},{"speaker":"Dr. Mary Bell Carlson","startTime":1075.881,"endTime":1076.06,"body":"that"},{"speaker":"Dr. Mary Bell Carlson","startTime":1076.061,"endTime":1076.21,"body":"one"},{"speaker":"Dr. Mary Bell Carlson","startTime":1076.211,"endTime":1076.27,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":1076.271,"endTime":1076.57,"body":"lot"},{"speaker":"Dr. Mary Bell Carlson","startTime":1076.571,"endTime":1076.75,"body":"of,"},{"speaker":"Dr. Mary Bell Carlson","startTime":1076.78,"endTime":1076.96,"body":"well,"},{"speaker":"Dr. Mary Bell Carlson","startTime":1076.961,"endTime":1077.26,"body":"why"},{"speaker":"Dr. Mary Bell Carlson","startTime":1077.261,"endTime":1077.44,"body":"is"},{"speaker":"Dr. Mary Bell Carlson","startTime":1077.441,"endTime":1077.65,"body":"this"},{"speaker":"Dr. Mary Bell Carlson","startTime":1077.651,"endTime":1077.95,"body":"score"},{"speaker":"Dr. Mary Bell Carlson","startTime":1077.951,"endTime":1078.28,"body":"different"},{"speaker":"Dr. Mary Bell Carlson","startTime":1078.281,"endTime":1078.4,"body":"than"},{"speaker":"Dr. Mary Bell Carlson","startTime":1078.401,"endTime":1078.64,"body":"that"},{"speaker":"Dr. Mary Bell Carlson","startTime":1078.641,"endTime":1079.0,"body":"score?"},{"speaker":"Dr. Mary Bell Carlson","startTime":1079.001,"endTime":1079.15,"body":"And"},{"speaker":"Dr. Mary Bell Carlson","startTime":1079.151,"endTime":1079.36,"body":"that's"},{"speaker":"Dr. Mary Bell Carlson","startTime":1079.361,"endTime":1079.9,"body":"because"},{"speaker":"Dr. Mary Bell Carlson","startTime":1079.96,"endTime":1080.23,"body":"there's"},{"speaker":"Dr. Mary Bell Carlson","startTime":1080.231,"endTime":1080.41,"body":"so"},{"speaker":"Dr. Mary Bell Carlson","startTime":1080.411,"endTime":1080.68,"body":"many"},{"speaker":"Dr. Mary Bell Carlson","startTime":1080.681,"endTime":1081.04,"body":"different"},{"speaker":"Dr. Mary Bell Carlson","startTime":1081.041,"endTime":1081.55,"body":"scores"},{"speaker":"Dr. Mary Bell Carlson","startTime":1081.551,"endTime":1081.67,"body":"and"},{"speaker":"Dr. Mary Bell Carlson","startTime":1081.671,"endTime":1081.82,"body":"it's"},{"speaker":"Dr. Mary Bell Carlson","startTime":1081.821,"endTime":1082.09,"body":"looking"},{"speaker":"Dr. Mary Bell Carlson","startTime":1082.091,"endTime":1082.18,"body":"at"},{"speaker":"Dr. Mary Bell Carlson","startTime":1082.181,"endTime":1082.45,"body":"different"},{"speaker":"Dr. Mary Bell Carlson","startTime":1082.451,"endTime":1083.02,"body":"reports."},{"speaker":"Dr. Mary Bell Carlson","startTime":1083.05,"endTime":1083.17,"body":"Do"},{"speaker":"Dr. Mary Bell Carlson","startTime":1083.171,"endTime":1083.26,"body":"you"},{"speaker":"Dr. Mary Bell Carlson","startTime":1083.261,"endTime":1083.41,"body":"have"},{"speaker":"Dr. Mary Bell Carlson","startTime":1083.411,"endTime":1083.56,"body":"any"},{"speaker":"Dr. Mary Bell Carlson","startTime":1083.95,"endTime":1083.95,"body":"follow-up"},{"speaker":"Dr. Mary Bell Carlson","startTime":1083.951,"endTime":1084.04,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":1084.041,"endTime":1084.13,"body":"that?"},{"speaker":"Rod Griffin","startTime":1084.51,"endTime":1084.75,"body":"Yeah."},{"speaker":"Rod Griffin","startTime":1084.76,"endTime":1085.03,"body":"So"},{"speaker":"Rod Griffin","startTime":1085.031,"endTime":1085.21,"body":"there"},{"speaker":"Rod Griffin","startTime":1085.211,"endTime":1085.36,"body":"are"},{"speaker":"Rod Griffin","startTime":1085.361,"endTime":1085.66,"body":"lots"},{"speaker":"Rod Griffin","startTime":1085.661,"endTime":1085.75,"body":"of"},{"speaker":"Rod Griffin","startTime":1085.751,"endTime":1086.14,"body":"scores"},{"speaker":"Rod Griffin","startTime":1086.141,"endTime":1086.47,"body":"because"},{"speaker":"Rod Griffin","startTime":1086.471,"endTime":1086.68,"body":"there's"},{"speaker":"Rod Griffin","startTime":1086.681,"endTime":1087.1,"body":"lots"},{"speaker":"Rod Griffin","startTime":1087.101,"endTime":1087.25,"body":"of"},{"speaker":"Rod Griffin","startTime":1087.82,"endTime":1088.18,"body":"kinds"},{"speaker":"Rod Griffin","startTime":1088.181,"endTime":1088.33,"body":"of"},{"speaker":"Rod Griffin","startTime":1088.331,"endTime":1088.75,"body":"lending"},{"speaker":"Rod Griffin","startTime":1088.751,"endTime":1088.87,"body":"and"},{"speaker":"Rod Griffin","startTime":1089.201,"endTime":1089.53,"body":"different"},{"speaker":"Rod Griffin","startTime":1089.531,"endTime":1089.77,"body":"types"},{"speaker":"Rod Griffin","startTime":1089.771,"endTime":1089.86,"body":"of"},{"speaker":"Rod Griffin","startTime":1089.861,"endTime":1090.37,"body":"lenders."},{"speaker":"Rod Griffin","startTime":1091.33,"endTime":1091.33,"body":"And"},{"speaker":"Rod Griffin","startTime":1091.63,"endTime":1091.63,"body":"the"},{"speaker":"Rod Griffin","startTime":1091.63,"endTime":1091.63,"body":","},{"speaker":"Rod Griffin","startTime":1091.69,"endTime":1092.17,"body":"the"},{"speaker":"Rod Griffin","startTime":1092.47,"endTime":1093.04,"body":"scores"},{"speaker":"Rod Griffin","startTime":1093.041,"endTime":1093.16,"body":"are"},{"speaker":"Rod Griffin","startTime":1093.161,"endTime":1093.73,"body":"developed"},{"speaker":"Rod Griffin","startTime":1093.731,"endTime":1093.91,"body":"for"},{"speaker":"Rod Griffin","startTime":1093.911,"endTime":1094.75,"body":"specific"},{"speaker":"Rod Griffin","startTime":1094.81,"endTime":1095.38,"body":"kinds"},{"speaker":"Rod Griffin","startTime":1095.381,"endTime":1095.53,"body":"of"},{"speaker":"Rod Griffin","startTime":1095.381,"endTime":1095.53,"body":"lending,"},{"speaker":"Rod Griffin","startTime":1095.531,"endTime":1096.19,"body":"first."},{"speaker":"Rod Griffin","startTime":1096.52,"endTime":1097.09,"body":"So"},{"speaker":"Rod Griffin","startTime":1097.751,"endTime":1097.81,"body":"if"},{"speaker":"Rod Griffin","startTime":1097.811,"endTime":1097.93,"body":"you're"},{"speaker":"Rod Griffin","startTime":1097.931,"endTime":1098.23,"body":"buying"},{"speaker":"Rod Griffin","startTime":1098.231,"endTime":1098.29,"body":"a"},{"speaker":"Rod Griffin","startTime":1098.291,"endTime":1098.71,"body":"house,"},{"speaker":"Rod Griffin","startTime":1098.711,"endTime":1098.86,"body":"they"},{"speaker":"Rod Griffin","startTime":1098.861,"endTime":1099.04,"body":"may"},{"speaker":"Rod Griffin","startTime":1099.041,"endTime":1099.28,"body":"use"},{"speaker":"Rod Griffin","startTime":1099.281,"endTime":1099.34,"body":"a"},{"speaker":"Rod Griffin","startTime":1099.341,"endTime":1099.73,"body":"different"},{"speaker":"Rod Griffin","startTime":1099.731,"endTime":1099.97,"body":"kind"},{"speaker":"Rod Griffin","startTime":1099.971,"endTime":1100.06,"body":"of"},{"speaker":"Rod Griffin","startTime":1100.061,"endTime":1100.45,"body":"score"},{"speaker":"Rod Griffin","startTime":1100.451,"endTime":1100.78,"body":"because"},{"speaker":"Rod Griffin","startTime":1100.781,"endTime":1100.93,"body":"they're"},{"speaker":"Rod Griffin","startTime":1100.931,"endTime":1101.29,"body":"looking"},{"speaker":"Rod Griffin","startTime":1101.291,"endTime":1101.44,"body":"at"},{"speaker":"Rod Griffin","startTime":1101.89,"endTime":1101.89,"body":"will"},{"speaker":"Rod Griffin","startTime":1101.891,"endTime":1102.01,"body":"you"},{"speaker":"Rod Griffin","startTime":1102.011,"endTime":1102.23,"body":"pay"},{"speaker":"Rod Griffin","startTime":1102.231,"endTime":1102.34,"body":"the"},{"speaker":"Rod Griffin","startTime":1102.341,"endTime":1102.73,"body":"mortgage"},{"speaker":"Rod Griffin","startTime":1102.731,"endTime":1102.91,"body":"loan"},{"speaker":"Rod Griffin","startTime":1102.911,"endTime":1103.0,"body":"on"},{"speaker":"Rod Griffin","startTime":1103.001,"endTime":1103.24,"body":"time?"},{"speaker":"Rod Griffin","startTime":1103.241,"endTime":1103.39,"body":"So"},{"speaker":"Rod Griffin","startTime":1103.391,"endTime":1103.51,"body":"the"},{"speaker":"Rod Griffin","startTime":1103.511,"endTime":1103.96,"body":"scoring"},{"speaker":"Rod Griffin","startTime":1103.961,"endTime":1104.35,"body":"systems"},{"speaker":"Rod Griffin","startTime":1104.351,"endTime":1104.47,"body":"are"},{"speaker":"Rod Griffin","startTime":1104.471,"endTime":1105.07,"body":"designed"},{"speaker":"Rod Griffin","startTime":1105.28,"endTime":1105.55,"body":"to"},{"speaker":"Rod Griffin","startTime":1105.551,"endTime":1105.79,"body":"help"},{"speaker":"Rod Griffin","startTime":1105.791,"endTime":1106.27,"body":"predict"},{"speaker":"Rod Griffin","startTime":1106.75,"endTime":1106.96,"body":"whether"},{"speaker":"Rod Griffin","startTime":1106.961,"endTime":1107.14,"body":"you'll"},{"speaker":"Rod Griffin","startTime":1107.141,"endTime":1107.26,"body":"pay"},{"speaker":"Rod Griffin","startTime":1107.261,"endTime":1107.32,"body":"a"},{"speaker":"Rod Griffin","startTime":1107.321,"endTime":1107.65,"body":"mortgage"},{"speaker":"Rod Griffin","startTime":1107.651,"endTime":1107.8,"body":"debt"},{"speaker":"Rod Griffin","startTime":1107.801,"endTime":1107.92,"body":"on"},{"speaker":"Rod Griffin","startTime":1107.921,"endTime":1108.19,"body":"time."},{"speaker":"Rod Griffin","startTime":1108.49,"endTime":1108.64,"body":"If"},{"speaker":"Rod Griffin","startTime":1108.641,"endTime":1108.76,"body":"you're"},{"speaker":"Rod Griffin","startTime":1108.761,"endTime":1109.0,"body":"buying"},{"speaker":"Rod Griffin","startTime":1109.001,"endTime":1109.09,"body":"a"},{"speaker":"Rod Griffin","startTime":1109.091,"endTime":1109.72,"body":"car,"},{"speaker":"Rod Griffin","startTime":1110.35,"endTime":1110.53,"body":"the"},{"speaker":"Rod Griffin","startTime":1110.35,"endTime":1110.53,"body":"lender"},{"speaker":"Rod Griffin","startTime":1110.86,"endTime":1110.86,"body":"is"},{"speaker":"Rod Griffin","startTime":1110.861,"endTime":1111.01,"body":"going"},{"speaker":"Rod Griffin","startTime":1111.011,"endTime":1111.1,"body":"to"},{"speaker":"Rod Griffin","startTime":1111.101,"endTime":1111.28,"body":"look"},{"speaker":"Rod Griffin","startTime":1111.281,"endTime":1111.4,"body":"at"},{"speaker":"Rod Griffin","startTime":1111.401,"endTime":1111.46,"body":"a"},{"speaker":"Rod Griffin","startTime":1111.461,"endTime":1111.85,"body":"score"},{"speaker":"Rod Griffin","startTime":1111.851,"endTime":1112.45,"body":"specific"},{"speaker":"Rod Griffin","startTime":1112.451,"endTime":1112.81,"body":"for"},{"speaker":"Rod Griffin","startTime":1112.811,"endTime":1113.11,"body":"auto"},{"speaker":"Rod Griffin","startTime":1113.111,"endTime":1113.5,"body":"lending."},{"speaker":"Rod Griffin","startTime":1113.8,"endTime":1114.1,"body":"Because"},{"speaker":"Rod Griffin","startTime":1114.101,"endTime":1114.19,"body":"they"},{"speaker":"Rod Griffin","startTime":1114.191,"endTime":1114.37,"body":"want"},{"speaker":"Rod Griffin","startTime":1114.371,"endTime":1114.43,"body":"to"},{"speaker":"Rod Griffin","startTime":1114.431,"endTime":1114.64,"body":"know"},{"speaker":"Rod Griffin","startTime":1114.641,"endTime":1114.79,"body":"that"},{"speaker":"Rod Griffin","startTime":1114.791,"endTime":1114.94,"body":"you'll"},{"speaker":"Rod Griffin","startTime":1114.941,"endTime":1115.12,"body":"pay"},{"speaker":"Rod Griffin","startTime":1115.121,"endTime":1115.24,"body":"your"},{"speaker":"Rod Griffin","startTime":1115.241,"endTime":1115.48,"body":"car"},{"speaker":"Rod Griffin","startTime":1115.481,"endTime":1115.66,"body":"loan"},{"speaker":"Rod Griffin","startTime":1115.661,"endTime":1115.78,"body":"on"},{"speaker":"Rod Griffin","startTime":1115.781,"endTime":1116.11,"body":"time."},{"speaker":"Rod Griffin","startTime":1116.62,"endTime":1117.1,"body":"And"},{"speaker":"Rod Griffin","startTime":1117.13,"endTime":1117.28,"body":"they"},{"speaker":"Rod Griffin","startTime":1117.281,"endTime":1117.52,"body":"really"},{"speaker":"Rod Griffin","startTime":1117.521,"endTime":1117.7,"body":"don't"},{"speaker":"Rod Griffin","startTime":1117.701,"endTime":1117.88,"body":"care"},{"speaker":"Rod Griffin","startTime":1117.881,"endTime":1118.0,"body":"so"},{"speaker":"Rod Griffin","startTime":1118.001,"endTime":1118.18,"body":"much"},{"speaker":"Rod Griffin","startTime":1118.181,"endTime":1118.39,"body":"about"},{"speaker":"Rod Griffin","startTime":1118.391,"endTime":1118.51,"body":"your"},{"speaker":"Rod Griffin","startTime":1118.511,"endTime":1118.93,"body":"mortgage."},{"speaker":"Rod Griffin","startTime":1119.71,"endTime":1119.86,"body":"If"},{"speaker":"Rod Griffin","startTime":1119.861,"endTime":1119.95,"body":"you're"},{"speaker":"Rod Griffin","startTime":1119.951,"endTime":1120.1,"body":"getting"},{"speaker":"Rod Griffin","startTime":1120.101,"endTime":1120.16,"body":"a"},{"speaker":"Rod Griffin","startTime":1120.161,"endTime":1120.46,"body":"credit"},{"speaker":"Rod Griffin","startTime":1120.461,"endTime":1120.79,"body":"card,"},{"speaker":"Rod Griffin","startTime":1120.85,"endTime":1121.03,"body":"they"},{"speaker":"Rod Griffin","startTime":1121.031,"endTime":1121.12,"body":"have"},{"speaker":"Rod Griffin","startTime":1121.121,"endTime":1121.18,"body":"a"},{"speaker":"Rod Griffin","startTime":1122.23,"endTime":1122.53,"body":"different"},{"speaker":"Rod Griffin","startTime":1122.23,"endTime":1122.53,"body":"score"},{"speaker":"Rod Griffin","startTime":1122.23,"endTime":1122.53,"body":"or"},{"speaker":"Rod Griffin","startTime":1122.23,"endTime":1122.53,"body":"different"},{"speaker":"Rod Griffin","startTime":1122.531,"endTime":1122.95,"body":"scores,"},{"speaker":"Rod Griffin","startTime":1122.951,"endTime":1123.22,"body":"because"},{"speaker":"Rod Griffin","startTime":1123.221,"endTime":1123.31,"body":"they're"},{"speaker":"Rod Griffin","startTime":1123.311,"endTime":1123.55,"body":"trying"},{"speaker":"Rod Griffin","startTime":1123.551,"endTime":1123.76,"body":"to"},{"speaker":"Rod Griffin","startTime":1123.85,"endTime":1124.36,"body":"determine"},{"speaker":"Rod Griffin","startTime":1124.361,"endTime":1124.63,"body":"whether"},{"speaker":"Rod Griffin","startTime":1124.631,"endTime":1124.93,"body":"you"},{"speaker":"Rod Griffin","startTime":1124.931,"endTime":1125.41,"body":"will"},{"speaker":"Rod Griffin","startTime":1125.74,"endTime":1126.25,"body":"pay"},{"speaker":"Rod Griffin","startTime":1126.251,"endTime":1126.46,"body":"your"},{"speaker":"Rod Griffin","startTime":1126.461,"endTime":1126.73,"body":"credit"},{"speaker":"Rod Griffin","startTime":1126.731,"endTime":1126.97,"body":"card"},{"speaker":"Rod Griffin","startTime":1126.971,"endTime":1127.09,"body":"on"},{"speaker":"Rod Griffin","startTime":1127.091,"endTime":1127.39,"body":"time"},{"speaker":"Rod Griffin","startTime":1127.66,"endTime":1128.11,"body":"and"},{"speaker":"Rod Griffin","startTime":1128.17,"endTime":1128.53,"body":"not"},{"speaker":"Rod Griffin","startTime":1128.531,"endTime":1129.01,"body":"really"},{"speaker":"Rod Griffin","startTime":1129.49,"endTime":1129.85,"body":"looking"},{"speaker":"Rod Griffin","startTime":1129.851,"endTime":1129.97,"body":"at"},{"speaker":"Rod Griffin","startTime":1130.15,"endTime":1130.33,"body":"your"},{"speaker":"Rod Griffin","startTime":1130.331,"endTime":1130.6,"body":"auto"},{"speaker":"Rod Griffin","startTime":1130.601,"endTime":1130.99,"body":"loans"},{"speaker":"Rod Griffin","startTime":1131.05,"endTime":1131.26,"body":"and"},{"speaker":"Rod Griffin","startTime":1131.261,"endTime":1131.65,"body":"mortgage"},{"speaker":"Rod Griffin","startTime":1131.651,"endTime":1131.95,"body":"loans."},{"speaker":"Rod Griffin","startTime":1132.4,"endTime":1132.91,"body":"So"},{"speaker":"Rod Griffin","startTime":1132.94,"endTime":1133.24,"body":"different"},{"speaker":"Rod Griffin","startTime":1133.241,"endTime":1133.51,"body":"types"},{"speaker":"Rod Griffin","startTime":1133.511,"endTime":1133.63,"body":"of"},{"speaker":"Rod Griffin","startTime":1133.631,"endTime":1134.02,"body":"lending"},{"speaker":"Rod Griffin","startTime":1134.021,"endTime":1134.26,"body":"use"},{"speaker":"Rod Griffin","startTime":1134.261,"endTime":1134.62,"body":"different"},{"speaker":"Rod Griffin","startTime":1134.621,"endTime":1134.83,"body":"types"},{"speaker":"Rod Griffin","startTime":1134.831,"endTime":1134.92,"body":"of"},{"speaker":"Rod Griffin","startTime":1134.921,"endTime":1135.31,"body":"scores,"},{"speaker":"Rod Griffin","startTime":1135.61,"endTime":1135.79,"body":"but"},{"speaker":"Rod Griffin","startTime":1135.791,"endTime":1136.12,"body":"different"},{"speaker":"Rod Griffin","startTime":1136.121,"endTime":1136.39,"body":"types"},{"speaker":"Rod Griffin","startTime":1136.391,"endTime":1136.51,"body":"of"},{"speaker":"Rod Griffin","startTime":1136.511,"endTime":1137.08,"body":"lenders"},{"speaker":"Rod Griffin","startTime":1137.11,"endTime":1137.56,"body":"also"},{"speaker":"Rod Griffin","startTime":1137.561,"endTime":1137.83,"body":"use"},{"speaker":"Rod Griffin","startTime":1137.831,"endTime":1138.22,"body":"different"},{"speaker":"Rod Griffin","startTime":1138.221,"endTime":1138.88,"body":"scores."},{"speaker":"Rod Griffin","startTime":1139.54,"endTime":1139.78,"body":"So"},{"speaker":"Rod Griffin","startTime":1139.781,"endTime":1139.9,"body":"if"},{"speaker":"Rod Griffin","startTime":1139.901,"endTime":1140.2,"body":"you're"},{"speaker":"Rod Griffin","startTime":1140.26,"endTime":1140.62,"body":"working"},{"speaker":"Rod Griffin","startTime":1140.621,"endTime":1140.77,"body":"with"},{"speaker":"Rod Griffin","startTime":1140.771,"endTime":1140.83,"body":"a"},{"speaker":"Rod Griffin","startTime":1140.831,"endTime":1141.19,"body":"credit"},{"speaker":"Rod Griffin","startTime":1141.191,"endTime":1141.61,"body":"union,"},{"speaker":"Rod Griffin","startTime":1141.85,"endTime":1142.15,"body":"they're"},{"speaker":"Rod Griffin","startTime":1142.151,"endTime":1142.36,"body":"going"},{"speaker":"Rod Griffin","startTime":1142.361,"endTime":1142.42,"body":"to"},{"speaker":"Rod Griffin","startTime":1142.421,"endTime":1142.63,"body":"use"},{"speaker":"Rod Griffin","startTime":1142.631,"endTime":1142.69,"body":"a"},{"speaker":"Rod Griffin","startTime":1142.691,"endTime":1143.02,"body":"different"},{"speaker":"Rod Griffin","startTime":1143.021,"endTime":1143.41,"body":"score"},{"speaker":"Rod Griffin","startTime":1143.411,"endTime":1143.89,"body":"than"},{"speaker":"Rod Griffin","startTime":1143.95,"endTime":1144.04,"body":"a"},{"speaker":"Rod Griffin","startTime":1144.041,"endTime":1144.49,"body":"national"},{"speaker":"Rod Griffin","startTime":1144.491,"endTime":1144.94,"body":"bank"},{"speaker":"Rod Griffin","startTime":1145.39,"endTime":1145.9,"body":"because"},{"speaker":"Rod Griffin","startTime":1145.901,"endTime":1146.05,"body":"their"},{"speaker":"Rod Griffin","startTime":1146.051,"endTime":1146.56,"body":"customers"},{"speaker":"Rod Griffin","startTime":1146.561,"endTime":1146.62,"body":"are"},{"speaker":"Rod Griffin","startTime":1146.621,"endTime":1147.04,"body":"different."},{"speaker":"Rod Griffin","startTime":1147.16,"endTime":1147.16,"body":"And"},{"speaker":"Rod Griffin","startTime":1147.34,"endTime":1147.34,"body":"the"},{"speaker":"Rod Griffin","startTime":1147.34,"endTime":1147.34,"body":","},{"speaker":"Rod Griffin","startTime":1147.64,"endTime":1147.88,"body":"the"},{"speaker":"Rod Griffin","startTime":1147.881,"endTime":1148.69,"body":"characteristics"},{"speaker":"Rod Griffin","startTime":1148.691,"endTime":1148.81,"body":"of"},{"speaker":"Rod Griffin","startTime":1148.811,"endTime":1148.96,"body":"their"},{"speaker":"Rod Griffin","startTime":1148.961,"endTime":1149.5,"body":"customers"},{"speaker":"Rod Griffin","startTime":1149.501,"endTime":1149.59,"body":"that"},{"speaker":"Rod Griffin","startTime":1149.591,"endTime":1149.95,"body":"predict"},{"speaker":"Rod Griffin","startTime":1149.951,"endTime":1150.19,"body":"risk"},{"speaker":"Rod Griffin","startTime":1150.22,"endTime":1150.4,"body":"can"},{"speaker":"Rod Griffin","startTime":1150.401,"endTime":1150.52,"body":"be"},{"speaker":"Rod Griffin","startTime":1150.521,"endTime":1150.94,"body":"different."},{"speaker":"Rod Griffin","startTime":1151.45,"endTime":1151.57,"body":"So"},{"speaker":"Rod Griffin","startTime":1151.571,"endTime":1151.69,"body":"they're"},{"speaker":"Rod Griffin","startTime":1151.691,"endTime":1151.81,"body":"going"},{"speaker":"Rod Griffin","startTime":1151.811,"endTime":1151.87,"body":"to"},{"speaker":"Rod Griffin","startTime":1151.871,"endTime":1151.99,"body":"have"},{"speaker":"Rod Griffin","startTime":1151.991,"endTime":1152.32,"body":"different"},{"speaker":"Rod Griffin","startTime":1152.321,"endTime":1152.89,"body":"scores"},{"speaker":"Rod Griffin","startTime":1152.891,"endTime":1153.01,"body":"to"},{"speaker":"Rod Griffin","startTime":1153.011,"endTime":1153.37,"body":"help"},{"speaker":"Rod Griffin","startTime":1153.73,"endTime":1154.3,"body":"determine"},{"speaker":"Rod Griffin","startTime":1154.81,"endTime":1154.99,"body":"the"},{"speaker":"Rod Griffin","startTime":1154.991,"endTime":1155.35,"body":"risk"},{"speaker":"Rod Griffin","startTime":1155.351,"endTime":1155.92,"body":"associated"},{"speaker":"Rod Griffin","startTime":1155.921,"endTime":1156.1,"body":"with"},{"speaker":"Rod Griffin","startTime":1156.101,"endTime":1156.31,"body":"their"},{"speaker":"Rod Griffin","startTime":1156.311,"endTime":1156.94,"body":"particular"},{"speaker":"Rod Griffin","startTime":1156.941,"endTime":1157.6,"body":"customers."},{"speaker":"Rod Griffin","startTime":1158.14,"endTime":1158.52,"body":"So"},{"speaker":"Rod Griffin","startTime":1158.95,"endTime":1159.22,"body":"there"},{"speaker":"Rod Griffin","startTime":1159.221,"endTime":1159.28,"body":"are"},{"speaker":"Rod Griffin","startTime":1159.281,"endTime":1159.58,"body":"different"},{"speaker":"Rod Griffin","startTime":1159.581,"endTime":1160.15,"body":"scores,"},{"speaker":"Rod Griffin","startTime":1160.39,"endTime":1160.57,"body":"but"},{"speaker":"Rod Griffin","startTime":1160.571,"endTime":1160.72,"body":"you"},{"speaker":"Rod Griffin","startTime":1160.721,"endTime":1161.02,"body":"only"},{"speaker":"Rod Griffin","startTime":1161.021,"endTime":1161.26,"body":"have"},{"speaker":"Rod Griffin","startTime":1161.261,"endTime":1161.47,"body":"three"},{"speaker":"Rod Griffin","startTime":1161.471,"endTime":1161.77,"body":"credit"},{"speaker":"Rod Griffin","startTime":1161.771,"endTime":1162.28,"body":"reports."},{"speaker":"Rod Griffin","startTime":1162.67,"endTime":1163.0,"body":"That's"},{"speaker":"Rod Griffin","startTime":1163.001,"endTime":1163.06,"body":"the"},{"speaker":"Rod Griffin","startTime":1163.061,"endTime":1163.36,"body":"important"},{"speaker":"Rod Griffin","startTime":1163.361,"endTime":1163.48,"body":"thing"},{"speaker":"Rod Griffin","startTime":1163.481,"endTime":1163.6,"body":"to"},{"speaker":"Rod Griffin","startTime":1163.601,"endTime":1164.02,"body":"remember."},{"speaker":"Rod Griffin","startTime":1164.08,"endTime":1164.44,"body":"If"},{"speaker":"Rod Griffin","startTime":1164.441,"endTime":1164.89,"body":"you"},{"speaker":"Rod Griffin","startTime":1165.01,"endTime":1165.4,"body":"take"},{"speaker":"Rod Griffin","startTime":1165.401,"endTime":1165.64,"body":"care"},{"speaker":"Rod Griffin","startTime":1165.641,"endTime":1165.73,"body":"of"},{"speaker":"Rod Griffin","startTime":1165.731,"endTime":1165.85,"body":"your"},{"speaker":"Rod Griffin","startTime":1165.851,"endTime":1166.12,"body":"credit"},{"speaker":"Rod Griffin","startTime":1166.121,"endTime":1166.75,"body":"reports,"},{"speaker":"Rod Griffin","startTime":1166.9,"endTime":1167.14,"body":"you"},{"speaker":"Rod Griffin","startTime":1167.141,"endTime":1167.35,"body":"will"},{"speaker":"Rod Griffin","startTime":1167.351,"endTime":1167.68,"body":"have"},{"speaker":"Rod Griffin","startTime":1167.681,"endTime":1167.89,"body":"good"},{"speaker":"Rod Griffin","startTime":1167.891,"endTime":1168.16,"body":"credit"},{"speaker":"Rod Griffin","startTime":1168.161,"endTime":1168.73,"body":"scores."},{"speaker":"Rod Griffin","startTime":1169.3,"endTime":1169.66,"body":"The,"},{"speaker":"Rod Griffin","startTime":1169.78,"endTime":1169.87,"body":"I"},{"speaker":"Rod Griffin","startTime":1169.871,"endTime":1170.05,"body":"think"},{"speaker":"Rod Griffin","startTime":1170.051,"endTime":1170.11,"body":"the"},{"speaker":"Rod Griffin","startTime":1170.111,"endTime":1170.47,"body":"most"},{"speaker":"Rod Griffin","startTime":1170.471,"endTime":1170.89,"body":"important"},{"speaker":"Rod Griffin","startTime":1170.891,"endTime":1171.13,"body":"thing"},{"speaker":"Rod Griffin","startTime":1171.131,"endTime":1171.25,"body":"I"},{"speaker":"Rod Griffin","startTime":1171.251,"endTime":1171.4,"body":"could"},{"speaker":"Rod Griffin","startTime":1171.401,"endTime":1171.64,"body":"share"},{"speaker":"Rod Griffin","startTime":1171.641,"endTime":1171.94,"body":"today"},{"speaker":"Rod Griffin","startTime":1171.941,"endTime":1172.21,"body":"is"},{"speaker":"Rod Griffin","startTime":1172.211,"endTime":1172.48,"body":"that"},{"speaker":"Rod Griffin","startTime":1172.75,"endTime":1173.17,"body":"every"},{"speaker":"Rod Griffin","startTime":1173.171,"endTime":1173.5,"body":"credit"},{"speaker":"Rod Griffin","startTime":1173.501,"endTime":1174.04,"body":"score"},{"speaker":"Rod Griffin","startTime":1174.34,"endTime":1174.97,"body":"uses"},{"speaker":"Rod Griffin","startTime":1174.971,"endTime":1175.09,"body":"the"},{"speaker":"Rod Griffin","startTime":1175.091,"endTime":1175.63,"body":"information"},{"speaker":"Rod Griffin","startTime":1175.631,"endTime":1175.75,"body":"from"},{"speaker":"Rod Griffin","startTime":1175.751,"endTime":1175.87,"body":"your"},{"speaker":"Rod Griffin","startTime":1175.871,"endTime":1176.14,"body":"credit"},{"speaker":"Rod Griffin","startTime":1176.141,"endTime":1176.53,"body":"reports"},{"speaker":"Rod Griffin","startTime":1176.531,"endTime":1176.62,"body":"to"},{"speaker":"Rod Griffin","startTime":1176.621,"endTime":1176.71,"body":"do"},{"speaker":"Rod Griffin","startTime":1176.711,"endTime":1176.83,"body":"the"},{"speaker":"Rod Griffin","startTime":1176.831,"endTime":1177.52,"body":"calculation."},{"speaker":"Rod Griffin","startTime":1177.85,"endTime":1178.03,"body":"So"},{"speaker":"Rod Griffin","startTime":1178.031,"endTime":1178.12,"body":"if"},{"speaker":"Rod Griffin","startTime":1178.121,"endTime":1178.21,"body":"you"},{"speaker":"Rod Griffin","startTime":1178.211,"endTime":1178.3,"body":"have"},{"speaker":"Rod Griffin","startTime":1178.301,"endTime":1178.36,"body":"a"},{"speaker":"Rod Griffin","startTime":1178.361,"endTime":1178.54,"body":"good"},{"speaker":"Rod Griffin","startTime":1178.541,"endTime":1178.84,"body":"credit"},{"speaker":"Rod Griffin","startTime":1178.841,"endTime":1179.29,"body":"report"},{"speaker":"Rod Griffin","startTime":1179.291,"endTime":1179.41,"body":"or"},{"speaker":"Rod Griffin","startTime":1179.411,"endTime":1179.56,"body":"good"},{"speaker":"Rod Griffin","startTime":1179.561,"endTime":1179.83,"body":"credit"},{"speaker":"Rod Griffin","startTime":1179.831,"endTime":1180.34,"body":"history,"},{"speaker":"Rod Griffin","startTime":1180.55,"endTime":1180.76,"body":"you're"},{"speaker":"Rod Griffin","startTime":1180.761,"endTime":1181.12,"body":"going"},{"speaker":"Rod Griffin","startTime":1181.121,"endTime":1181.21,"body":"to"},{"speaker":"Rod Griffin","startTime":1181.211,"endTime":1181.36,"body":"have"},{"speaker":"Rod Griffin","startTime":1181.361,"endTime":1181.54,"body":"good"},{"speaker":"Rod Griffin","startTime":1181.541,"endTime":1181.84,"body":"credit"},{"speaker":"Rod Griffin","startTime":1181.841,"endTime":1182.26,"body":"scores."},{"speaker":"Rod Griffin","startTime":1182.5,"endTime":1182.65,"body":"So"},{"speaker":"Rod Griffin","startTime":1182.651,"endTime":1182.89,"body":"take"},{"speaker":"Rod Griffin","startTime":1182.891,"endTime":1183.01,"body":"care"},{"speaker":"Rod Griffin","startTime":1183.011,"endTime":1183.07,"body":"of"},{"speaker":"Rod Griffin","startTime":1183.071,"endTime":1183.13,"body":"the"},{"speaker":"Rod Griffin","startTime":1183.131,"endTime":1183.34,"body":"credit"},{"speaker":"Rod Griffin","startTime":1183.341,"endTime":1183.7,"body":"report,"},{"speaker":"Rod Griffin","startTime":1183.701,"endTime":1183.85,"body":"your"},{"speaker":"Rod Griffin","startTime":1183.851,"endTime":1184.3,"body":"scores"},{"speaker":"Rod Griffin","startTime":1184.301,"endTime":1184.42,"body":"will"},{"speaker":"Rod Griffin","startTime":1184.421,"endTime":1184.6,"body":"take"},{"speaker":"Rod Griffin","startTime":1184.601,"endTime":1184.75,"body":"care"},{"speaker":"Rod Griffin","startTime":1184.751,"endTime":1184.81,"body":"of"},{"speaker":"Rod Griffin","startTime":1184.811,"endTime":1185.32,"body":"themselves."},{"speaker":"Dr. Mary Bell Carlson","startTime":1185.77,"endTime":1186.31,"body":"Awesome."},{"speaker":"Dr. Mary Bell Carlson","startTime":1186.311,"endTime":1186.55,"body":"And"},{"speaker":"Dr. Mary Bell Carlson","startTime":1186.551,"endTime":1186.79,"body":"you've"},{"speaker":"Dr. Mary Bell Carlson","startTime":1186.791,"endTime":1187.12,"body":"just"},{"speaker":"Dr. Mary Bell Carlson","startTime":1187.121,"endTime":1187.57,"body":"explained"},{"speaker":"Dr. Mary Bell Carlson","startTime":1187.571,"endTime":1187.87,"body":"well"},{"speaker":"Dr. Mary Bell Carlson","startTime":1187.871,"endTime":1188.5,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":1188.8,"endTime":1189.49,"body":"why"},{"speaker":"Dr. Mary Bell Carlson","startTime":1189.52,"endTime":1189.79,"body":"we"},{"speaker":"Dr. Mary Bell Carlson","startTime":1189.791,"endTime":1189.94,"body":"as"},{"speaker":"Dr. Mary Bell Carlson","startTime":1189.941,"endTime":1190.87,"body":"consumers"},{"speaker":"Dr. Mary Bell Carlson","startTime":1190.871,"endTime":1191.11,"body":"see"},{"speaker":"Dr. Mary Bell Carlson","startTime":1191.111,"endTime":1191.2,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":1191.201,"endTime":1191.65,"body":"different"},{"speaker":"Dr. Mary Bell Carlson","startTime":1191.651,"endTime":1192.22,"body":"score"},{"speaker":"Dr. Mary Bell Carlson","startTime":1192.221,"endTime":1192.43,"body":"than"},{"speaker":"Dr. Mary Bell Carlson","startTime":1192.46,"endTime":1193.03,"body":"even"},{"speaker":"Dr. Mary Bell Carlson","startTime":1193.06,"endTime":1193.36,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":1193.42,"endTime":1193.9,"body":"mortgage"},{"speaker":"Dr. Mary Bell Carlson","startTime":1193.93,"endTime":1194.2,"body":"lender"},{"speaker":"Dr. Mary Bell Carlson","startTime":1194.201,"endTime":1194.38,"body":"would"},{"speaker":"Dr. Mary Bell Carlson","startTime":1194.381,"endTime":1194.65,"body":"see,"},{"speaker":"Dr. Mary Bell Carlson","startTime":1194.651,"endTime":1194.86,"body":"or"},{"speaker":"Dr. Mary Bell Carlson","startTime":1194.861,"endTime":1194.98,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":1194.981,"endTime":1195.34,"body":"auto"},{"speaker":"Dr. Mary Bell Carlson","startTime":1195.341,"endTime":1195.61,"body":"lender"},{"speaker":"Dr. Mary Bell Carlson","startTime":1195.611,"endTime":1195.76,"body":"would"},{"speaker":"Dr. Mary Bell Carlson","startTime":1195.761,"endTime":1196.15,"body":"see."},{"speaker":"Dr. Mary Bell Carlson","startTime":1196.54,"endTime":1196.66,"body":"You've"},{"speaker":"Dr. Mary Bell Carlson","startTime":1196.901,"endTime":1197.2,"body":"also"},{"speaker":"Dr. Mary Bell Carlson","startTime":1197.201,"endTime":1197.38,"body":"made"},{"speaker":"Dr. Mary Bell Carlson","startTime":1197.381,"endTime":1197.44,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":1197.441,"endTime":1197.68,"body":"really"},{"speaker":"Dr. Mary Bell Carlson","startTime":1197.681,"endTime":1197.8,"body":"good"},{"speaker":"Dr. Mary Bell Carlson","startTime":1197.801,"endTime":1198.22,"body":"argument."},{"speaker":"Dr. Mary Bell Carlson","startTime":1198.52,"endTime":1198.67,"body":"That"},{"speaker":"Dr. Mary Bell Carlson","startTime":1198.671,"endTime":1198.79,"body":"was"},{"speaker":"Dr. Mary Bell Carlson","startTime":1198.791,"endTime":1198.91,"body":"my"},{"speaker":"Dr. Mary Bell Carlson","startTime":1198.911,"endTime":1199.12,"body":"next"},{"speaker":"Dr. Mary Bell Carlson","startTime":1199.121,"endTime":1199.45,"body":"question"},{"speaker":"Dr. Mary Bell Carlson","startTime":1199.451,"endTime":1199.66,"body":"of"},{"speaker":"Dr. Mary Bell Carlson","startTime":1199.69,"endTime":1200.08,"body":"why"},{"speaker":"Dr. Mary Bell Carlson","startTime":1200.081,"endTime":1200.2,"body":"is"},{"speaker":"Dr. Mary Bell Carlson","startTime":1200.201,"endTime":1200.29,"body":"it"},{"speaker":"Dr. Mary Bell Carlson","startTime":1200.291,"endTime":1200.62,"body":"important"},{"speaker":"Dr. Mary Bell Carlson","startTime":1200.621,"endTime":1200.68,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":1200.681,"endTime":1201.4,"body":"understand"},{"speaker":"Dr. Mary Bell Carlson","startTime":1201.43,"endTime":1201.7,"body":"what's"},{"speaker":"Dr. Mary Bell Carlson","startTime":1201.701,"endTime":1201.79,"body":"in"},{"speaker":"Dr. Mary Bell Carlson","startTime":1201.791,"endTime":1201.91,"body":"your"},{"speaker":"Dr. Mary Bell Carlson","startTime":1201.911,"endTime":1202.15,"body":"credit"},{"speaker":"Dr. Mary Bell Carlson","startTime":1202.151,"endTime":1202.48,"body":"report?"},{"speaker":"Dr. Mary Bell Carlson","startTime":1202.481,"endTime":1202.6,"body":"But"},{"speaker":"Dr. Mary Bell Carlson","startTime":1202.601,"endTime":1202.66,"body":"I"},{"speaker":"Dr. Mary Bell Carlson","startTime":1202.661,"endTime":1202.84,"body":"think"},{"speaker":"Dr. Mary Bell Carlson","startTime":1202.841,"endTime":1202.99,"body":"you've"},{"speaker":"Dr. Mary Bell Carlson","startTime":1202.991,"endTime":1203.29,"body":"just"},{"speaker":"Dr. Mary Bell Carlson","startTime":1203.291,"endTime":1204.04,"body":"mentioned,"},{"speaker":"Dr. Mary Bell Carlson","startTime":1204.28,"endTime":1204.49,"body":"it's"},{"speaker":"Dr. Mary Bell Carlson","startTime":1204.491,"endTime":1204.94,"body":"important"},{"speaker":"Dr. Mary Bell Carlson","startTime":1204.941,"endTime":1205.06,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":1205.061,"endTime":1205.39,"body":"know"},{"speaker":"Dr. Mary Bell Carlson","startTime":1205.391,"endTime":1205.63,"body":"what's"},{"speaker":"Dr. Mary Bell Carlson","startTime":1205.66,"endTime":1205.9,"body":"in"},{"speaker":"Dr. Mary Bell Carlson","startTime":1205.901,"endTime":1206.08,"body":"that"},{"speaker":"Dr. Mary Bell Carlson","startTime":1206.081,"endTime":1206.5,"body":"report"},{"speaker":"Dr. Mary Bell Carlson","startTime":1206.501,"endTime":1206.8,"body":"because"},{"speaker":"Dr. Mary Bell Carlson","startTime":1206.89,"endTime":1206.89,"body":"that"},{"speaker":"Dr. Mary Bell Carlson","startTime":1206.891,"endTime":1207.16,"body":"then"},{"speaker":"Dr. Mary Bell Carlson","startTime":1207.161,"endTime":1207.91,"body":"dictates"},{"speaker":"Dr. Mary Bell Carlson","startTime":1207.911,"endTime":1208.03,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":1208.031,"endTime":1208.39,"body":"score"},{"speaker":"Dr. Mary Bell Carlson","startTime":1208.391,"endTime":1208.69,"body":"and"},{"speaker":"Dr. Mary Bell Carlson","startTime":1208.691,"endTime":1208.78,"body":"it"},{"speaker":"Dr. Mary Bell Carlson","startTime":1208.781,"endTime":1209.05,"body":"helps,"},{"speaker":"Dr. Mary Bell Carlson","startTime":1209.051,"endTime":1209.29,"body":"you"},{"speaker":"Dr. Mary Bell Carlson","startTime":1209.291,"endTime":1209.71,"body":"know,"},{"speaker":"Dr. Mary Bell Carlson","startTime":1210.01,"endTime":1210.31,"body":"what's"},{"speaker":"Dr. Mary Bell Carlson","startTime":1210.311,"endTime":1210.73,"body":"inside"},{"speaker":"Dr. Mary Bell Carlson","startTime":1210.731,"endTime":1210.85,"body":"of"},{"speaker":"Dr. Mary Bell Carlson","startTime":1210.851,"endTime":1211.03,"body":"it."},{"speaker":"Dr. Mary Bell Carlson","startTime":1211.15,"endTime":1211.45,"body":"So"},{"speaker":"Dr. Mary Bell Carlson","startTime":1211.451,"endTime":1211.6,"body":"as"},{"speaker":"Dr. Mary Bell Carlson","startTime":1211.601,"endTime":1211.66,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":1212.23,"endTime":1212.23,"body":"followup"},{"speaker":"Dr. Mary Bell Carlson","startTime":1212.231,"endTime":1212.35,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":1212.351,"endTime":1212.74,"body":"that,"},{"speaker":"Dr. Mary Bell Carlson","startTime":1212.83,"endTime":1213.28,"body":"can"},{"speaker":"Dr. Mary Bell Carlson","startTime":1213.281,"endTime":1213.49,"body":"you"},{"speaker":"Dr. Mary Bell Carlson","startTime":1213.491,"endTime":1213.76,"body":"tell"},{"speaker":"Dr. Mary Bell Carlson","startTime":1213.761,"endTime":1213.91,"body":"us"},{"speaker":"Dr. Mary Bell Carlson","startTime":1213.911,"endTime":1214.24,"body":"how"},{"speaker":"Dr. Mary Bell Carlson","startTime":1214.241,"endTime":1214.72,"body":"often"},{"speaker":"Dr. Mary Bell Carlson","startTime":1214.721,"endTime":1215.08,"body":"people"},{"speaker":"Dr. Mary Bell Carlson","startTime":1215.081,"endTime":1215.44,"body":"should"},{"speaker":"Dr. Mary Bell Carlson","startTime":1215.441,"endTime":1215.77,"body":"check"},{"speaker":"Dr. Mary Bell Carlson","startTime":1215.771,"endTime":1215.89,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":1215.891,"endTime":1216.52,"body":"reports"},{"speaker":"Dr. Mary Bell Carlson","startTime":1216.58,"endTime":1216.76,"body":"and"},{"speaker":"Dr. Mary Bell Carlson","startTime":1216.761,"endTime":1217.18,"body":"how"},{"speaker":"Dr. Mary Bell Carlson","startTime":1217.181,"endTime":1217.45,"body":"they"},{"speaker":"Dr. Mary Bell Carlson","startTime":1217.48,"endTime":1217.69,"body":"can"},{"speaker":"Dr. Mary Bell Carlson","startTime":1217.691,"endTime":1217.96,"body":"do"},{"speaker":"Dr. Mary Bell Carlson","startTime":1217.961,"endTime":1218.2,"body":"it?"},{"speaker":"Rod Griffin","startTime":1218.5,"endTime":1218.95,"body":"Yes."},{"speaker":"Rod Griffin","startTime":1218.951,"endTime":1219.07,"body":"And"},{"speaker":"Rod Griffin","startTime":1219.071,"endTime":1219.16,"body":"you"},{"speaker":"Rod Griffin","startTime":1219.161,"endTime":1219.37,"body":"should"},{"speaker":"Rod Griffin","startTime":1219.371,"endTime":1219.64,"body":"check"},{"speaker":"Rod Griffin","startTime":1219.641,"endTime":1219.88,"body":"your"},{"speaker":"Rod Griffin","startTime":1219.881,"endTime":1220.42,"body":"report"},{"speaker":"Rod Griffin","startTime":1220.99,"endTime":1221.2,"body":"at,"},{"speaker":"Rod Griffin","startTime":1221.37,"endTime":1221.52,"body":"at"},{"speaker":"Rod Griffin","startTime":1221.53,"endTime":1221.62,"body":"a"},{"speaker":"Rod Griffin","startTime":1221.621,"endTime":1222.52,"body":"minimum"},{"speaker":"Rod Griffin","startTime":1222.55,"endTime":1222.94,"body":"once"},{"speaker":"Rod Griffin","startTime":1222.941,"endTime":1223.03,"body":"a"},{"speaker":"Rod Griffin","startTime":1223.031,"endTime":1223.63,"body":"year"},{"speaker":"Rod Griffin","startTime":1223.87,"endTime":1224.47,"body":"today"},{"speaker":"Rod Griffin","startTime":1224.471,"endTime":1224.8,"body":"with"},{"speaker":"Rod Griffin","startTime":1224.92,"endTime":1225.58,"body":"COVID"},{"speaker":"Rod Griffin","startTime":1225.581,"endTime":1225.7,"body":"and"},{"speaker":"Rod Griffin","startTime":1225.701,"endTime":1225.85,"body":"all"},{"speaker":"Rod Griffin","startTime":1225.851,"endTime":1225.91,"body":"the"},{"speaker":"Rod Griffin","startTime":1225.911,"endTime":1226.12,"body":"things"},{"speaker":"Rod Griffin","startTime":1226.121,"endTime":1226.24,"body":"we've"},{"speaker":"Rod Griffin","startTime":1226.241,"endTime":1226.36,"body":"been"},{"speaker":"Rod Griffin","startTime":1226.361,"endTime":1226.66,"body":"going"},{"speaker":"Rod Griffin","startTime":1226.661,"endTime":1227.23,"body":"through"},{"speaker":"Rod Griffin","startTime":1227.29,"endTime":1227.65,"body":"and"},{"speaker":"Rod Griffin","startTime":1227.651,"endTime":1227.83,"body":"the"},{"speaker":"Rod Griffin","startTime":1227.831,"endTime":1228.31,"body":"different"},{"speaker":"Rod Griffin","startTime":1228.311,"endTime":1228.67,"body":"kinds"},{"speaker":"Rod Griffin","startTime":1228.671,"endTime":1228.94,"body":"of"},{"speaker":"Rod Griffin","startTime":1229.0,"endTime":1229.54,"body":"agreements"},{"speaker":"Rod Griffin","startTime":1229.541,"endTime":1229.66,"body":"you"},{"speaker":"Rod Griffin","startTime":1229.661,"endTime":1229.9,"body":"might"},{"speaker":"Rod Griffin","startTime":1229.901,"endTime":1230.26,"body":"have"},{"speaker":"Rod Griffin","startTime":1230.261,"endTime":1230.41,"body":"and,"},{"speaker":"Rod Griffin","startTime":1230.411,"endTime":1230.74,"body":"and"},{"speaker":"Rod Griffin","startTime":1230.74,"endTime":1230.74,"body":","},{"speaker":"Rod Griffin","startTime":1231.4,"endTime":1231.85,"body":"plans"},{"speaker":"Rod Griffin","startTime":1231.851,"endTime":1231.97,"body":"you"},{"speaker":"Rod Griffin","startTime":1231.971,"endTime":1232.09,"body":"can"},{"speaker":"Rod Griffin","startTime":1232.091,"endTime":1232.3,"body":"have"},{"speaker":"Rod Griffin","startTime":1232.301,"endTime":1232.42,"body":"with"},{"speaker":"Rod Griffin","startTime":1232.421,"endTime":1232.75,"body":"lenders."},{"speaker":"Rod Griffin","startTime":1232.751,"endTime":1232.87,"body":"It"},{"speaker":"Rod Griffin","startTime":1232.871,"endTime":1232.99,"body":"may"},{"speaker":"Rod Griffin","startTime":1232.991,"endTime":1233.23,"body":"make"},{"speaker":"Rod Griffin","startTime":1233.231,"endTime":1233.47,"body":"sense"},{"speaker":"Rod Griffin","startTime":1233.471,"endTime":1233.56,"body":"to"},{"speaker":"Rod Griffin","startTime":1233.561,"endTime":1233.8,"body":"check"},{"speaker":"Rod Griffin","startTime":1233.801,"endTime":1233.89,"body":"it"},{"speaker":"Rod Griffin","startTime":1233.891,"endTime":1234.07,"body":"more"},{"speaker":"Rod Griffin","startTime":1234.071,"endTime":1234.55,"body":"often."},{"speaker":"Rod Griffin","startTime":1234.94,"endTime":1235.06,"body":"You"},{"speaker":"Rod Griffin","startTime":1235.061,"endTime":1235.27,"body":"can"},{"speaker":"Rod Griffin","startTime":1235.271,"endTime":1235.6,"body":"check"},{"speaker":"Rod Griffin","startTime":1235.601,"endTime":1235.72,"body":"your"},{"speaker":"Rod Griffin","startTime":1235.721,"endTime":1235.99,"body":"credit"},{"speaker":"Rod Griffin","startTime":1235.991,"endTime":1236.47,"body":"report"},{"speaker":"Rod Griffin","startTime":1235.991,"endTime":1236.47,"body":"at"},{"speaker":"Rod Griffin","startTime":1236.59,"endTime":1236.8,"body":"no"},{"speaker":"Rod Griffin","startTime":1236.981,"endTime":1237.49,"body":"cost"},{"speaker":"Rod Griffin","startTime":1237.491,"endTime":1237.76,"body":"once"},{"speaker":"Rod Griffin","startTime":1237.761,"endTime":1237.85,"body":"a"},{"speaker":"Rod Griffin","startTime":1237.851,"endTime":1238.39,"body":"week,"},{"speaker":"Rod Griffin","startTime":1238.57,"endTime":1238.84,"body":"with"},{"speaker":"Rod Griffin","startTime":1239.17,"endTime":1239.35,"body":"all"},{"speaker":"Rod Griffin","startTime":1239.351,"endTime":1239.53,"body":"three"},{"speaker":"Rod Griffin","startTime":1239.531,"endTime":1239.59,"body":"of"},{"speaker":"Rod Griffin","startTime":1239.591,"endTime":1239.65,"body":"the"},{"speaker":"Rod Griffin","startTime":1239.651,"endTime":1239.98,"body":"national"},{"speaker":"Rod Griffin","startTime":1239.981,"endTime":1240.19,"body":"credit"},{"speaker":"Rod Griffin","startTime":1240.191,"endTime":1240.55,"body":"reporting"},{"speaker":"Rod Griffin","startTime":1240.551,"endTime":1241.06,"body":"companies"},{"speaker":"Rod Griffin","startTime":1241.36,"endTime":1241.6,"body":"through"},{"speaker":"Rod Griffin","startTime":1241.601,"endTime":1241.96,"body":"annualcreditreport.com."},{"speaker":"Rod Griffin","startTime":1243.55,"endTime":1243.88,"body":"And"},{"speaker":"Rod Griffin","startTime":1243.881,"endTime":1244.21,"body":"that's"},{"speaker":"Rod Griffin","startTime":1244.211,"endTime":1244.87,"body":"through"},{"speaker":"Rod Griffin","startTime":1244.99,"endTime":1245.17,"body":"at"},{"speaker":"Rod Griffin","startTime":1245.171,"endTime":1245.62,"body":"least"},{"speaker":"Rod Griffin","startTime":1245.621,"endTime":1245.95,"body":"April"},{"speaker":"Rod Griffin","startTime":1245.951,"endTime":1246.04,"body":"of"},{"speaker":"Rod Griffin","startTime":1246.041,"endTime":1246.37,"body":"next"},{"speaker":"Rod Griffin","startTime":1246.371,"endTime":1246.73,"body":"year."},{"speaker":"Rod Griffin","startTime":1246.99,"endTime":1247.26,"body":"So"},{"speaker":"Rod Griffin","startTime":1247.261,"endTime":1247.41,"body":"for"},{"speaker":"Rod Griffin","startTime":1247.411,"endTime":1247.5,"body":"at"},{"speaker":"Rod Griffin","startTime":1247.501,"endTime":1247.68,"body":"least"},{"speaker":"Rod Griffin","startTime":1247.681,"endTime":1247.92,"body":"another"},{"speaker":"Rod Griffin","startTime":1247.921,"endTime":1248.25,"body":"year."},{"speaker":"Rod Griffin","startTime":1248.55,"endTime":1249.0,"body":"So"},{"speaker":"Rod Griffin","startTime":1249.12,"endTime":1249.3,"body":"if"},{"speaker":"Rod Griffin","startTime":1249.301,"endTime":1249.42,"body":"you"},{"speaker":"Rod Griffin","startTime":1249.421,"endTime":1249.57,"body":"want"},{"speaker":"Rod Griffin","startTime":1249.571,"endTime":1249.63,"body":"to"},{"speaker":"Rod Griffin","startTime":1249.631,"endTime":1249.87,"body":"check"},{"speaker":"Rod Griffin","startTime":1249.871,"endTime":1249.99,"body":"your"},{"speaker":"Rod Griffin","startTime":1249.991,"endTime":1250.32,"body":"report,"},{"speaker":"Rod Griffin","startTime":1250.321,"endTime":1250.41,"body":"you"},{"speaker":"Rod Griffin","startTime":1250.411,"endTime":1250.56,"body":"can"},{"speaker":"Rod Griffin","startTime":1250.561,"endTime":1250.83,"body":"check"},{"speaker":"Rod Griffin","startTime":1250.831,"endTime":1250.95,"body":"it"},{"speaker":"Rod Griffin","startTime":1250.951,"endTime":1251.34,"body":"once"},{"speaker":"Rod Griffin","startTime":1251.341,"endTime":1251.4,"body":"a"},{"speaker":"Rod Griffin","startTime":1251.401,"endTime":1251.7,"body":"week"},{"speaker":"Rod Griffin","startTime":1251.701,"endTime":1251.81,"body":"at"},{"speaker":"Rod Griffin","startTime":1252.0,"endTime":1252.33,"body":"again,"},{"speaker":"Rod Griffin","startTime":1252.331,"endTime":1252.45,"body":"annualcreditreport.com."},{"speaker":"Rod Griffin","startTime":1254.25,"endTime":1254.61,"body":"There's"},{"speaker":"Rod Griffin","startTime":1254.611,"endTime":1254.79,"body":"no"},{"speaker":"Rod Griffin","startTime":1254.791,"endTime":1255.3,"body":"cost"},{"speaker":"Rod Griffin","startTime":1255.301,"endTime":1255.39,"body":"to"},{"speaker":"Rod Griffin","startTime":1255.391,"endTime":1255.54,"body":"do"},{"speaker":"Rod Griffin","startTime":1255.541,"endTime":1255.9,"body":"that."},{"speaker":"Rod Griffin","startTime":1256.53,"endTime":1256.71,"body":"And"},{"speaker":"Rod Griffin","startTime":1256.711,"endTime":1256.8,"body":"it"},{"speaker":"Rod Griffin","startTime":1256.801,"endTime":1257.04,"body":"does"},{"speaker":"Rod Griffin","startTime":1257.041,"endTime":1257.37,"body":"not"},{"speaker":"Rod Griffin","startTime":1257.371,"endTime":1257.67,"body":"affect"},{"speaker":"Rod Griffin","startTime":1257.671,"endTime":1257.76,"body":"your"},{"speaker":"Rod Griffin","startTime":1257.761,"endTime":1258.06,"body":"credit"},{"speaker":"Rod Griffin","startTime":1258.061,"endTime":1258.66,"body":"scores"},{"speaker":"Rod Griffin","startTime":1258.661,"endTime":1258.87,"body":"in"},{"speaker":"Rod Griffin","startTime":1258.871,"endTime":1259.14,"body":"any"},{"speaker":"Rod Griffin","startTime":1259.141,"endTime":1259.59,"body":"way."},{"speaker":"Rod Griffin","startTime":1259.95,"endTime":1259.95,"body":"And"},{"speaker":"Rod Griffin","startTime":1259.951,"endTime":1260.19,"body":"so"},{"speaker":"Rod Griffin","startTime":1260.191,"endTime":1260.31,"body":"you"},{"speaker":"Rod Griffin","startTime":1260.311,"endTime":1260.46,"body":"don't"},{"speaker":"Rod Griffin","startTime":1260.461,"endTime":1260.55,"body":"have"},{"speaker":"Rod Griffin","startTime":1260.551,"endTime":1260.64,"body":"to"},{"speaker":"Rod Griffin","startTime":1260.641,"endTime":1260.85,"body":"worry"},{"speaker":"Rod Griffin","startTime":1260.851,"endTime":1261.03,"body":"about"},{"speaker":"Rod Griffin","startTime":1261.031,"endTime":1261.33,"body":"checking"},{"speaker":"Rod Griffin","startTime":1261.331,"endTime":1261.42,"body":"your"},{"speaker":"Rod Griffin","startTime":1261.421,"endTime":1261.6,"body":"own"},{"speaker":"Rod Griffin","startTime":1261.601,"endTime":1262.02,"body":"report."},{"speaker":"Rod Griffin","startTime":1262.14,"endTime":1262.47,"body":"Another"},{"speaker":"Rod Griffin","startTime":1262.471,"endTime":1262.8,"body":"common"},{"speaker":"Rod Griffin","startTime":1262.801,"endTime":1263.25,"body":"myth"},{"speaker":"Rod Griffin","startTime":1264.11,"endTime":1264.37,"body":"that"},{"speaker":"Rod Griffin","startTime":1264.54,"endTime":1264.66,"body":"we"},{"speaker":"Rod Griffin","startTime":1264.661,"endTime":1264.81,"body":"should"},{"speaker":"Rod Griffin","startTime":1264.811,"endTime":1265.02,"body":"add"},{"speaker":"Rod Griffin","startTime":1265.021,"endTime":1265.11,"body":"to"},{"speaker":"Rod Griffin","startTime":1265.111,"endTime":1265.23,"body":"the"},{"speaker":"Rod Griffin","startTime":1265.231,"endTime":1265.62,"body":"list"},{"speaker":"Rod Griffin","startTime":1265.621,"endTime":1265.8,"body":"is"},{"speaker":"Rod Griffin","startTime":1265.801,"endTime":1266.13,"body":"checking"},{"speaker":"Rod Griffin","startTime":1266.131,"endTime":1266.22,"body":"your"},{"speaker":"Rod Griffin","startTime":1266.221,"endTime":1266.37,"body":"own"},{"speaker":"Rod Griffin","startTime":1266.371,"endTime":1266.79,"body":"report"},{"speaker":"Rod Griffin","startTime":1266.791,"endTime":1267.0,"body":"does"},{"speaker":"Rod Griffin","startTime":1267.001,"endTime":1267.27,"body":"not"},{"speaker":"Rod Griffin","startTime":1267.271,"endTime":1267.72,"body":"affect"},{"speaker":"Rod Griffin","startTime":1267.721,"endTime":1267.87,"body":"your"},{"speaker":"Rod Griffin","startTime":1267.871,"endTime":1268.17,"body":"credit"},{"speaker":"Rod Griffin","startTime":1268.23,"endTime":1268.83,"body":"scores"},{"speaker":"Rod Griffin","startTime":1268.831,"endTime":1268.92,"body":"and"},{"speaker":"Rod Griffin","startTime":1268.921,"endTime":1269.19,"body":"doesn't"},{"speaker":"Rod Griffin","startTime":1269.25,"endTime":1269.67,"body":"affect"},{"speaker":"Rod Griffin","startTime":1269.671,"endTime":1269.76,"body":"your"},{"speaker":"Rod Griffin","startTime":1269.761,"endTime":1270.09,"body":"ability"},{"speaker":"Rod Griffin","startTime":1270.091,"endTime":1270.18,"body":"to"},{"speaker":"Rod Griffin","startTime":1270.181,"endTime":1270.57,"body":"qualify"},{"speaker":"Rod Griffin","startTime":1270.571,"endTime":1270.69,"body":"for"},{"speaker":"Rod Griffin","startTime":1270.691,"endTime":1271.05,"body":"credit."},{"speaker":"Rod Griffin","startTime":1271.47,"endTime":1271.83,"body":"And"},{"speaker":"Rod Griffin","startTime":1271.831,"endTime":1271.92,"body":"the"},{"speaker":"Rod Griffin","startTime":1271.921,"endTime":1272.19,"body":"common"},{"speaker":"Rod Griffin","startTime":1272.191,"endTime":1272.49,"body":"message,"},{"speaker":"Rod Griffin","startTime":1272.51,"endTime":1272.57,"body":"if"},{"speaker":"Rod Griffin","startTime":1272.571,"endTime":1272.64,"body":"you"},{"speaker":"Rod Griffin","startTime":1272.641,"endTime":1272.85,"body":"check"},{"speaker":"Rod Griffin","startTime":1272.851,"endTime":1272.94,"body":"your"},{"speaker":"Rod Griffin","startTime":1272.941,"endTime":1273.27,"body":"report"},{"speaker":"Rod Griffin","startTime":1272.941,"endTime":1273.27,"body":"it"},{"speaker":"Rod Griffin","startTime":1272.941,"endTime":1273.27,"body":"will"},{"speaker":"Rod Griffin","startTime":1273.3,"endTime":1273.45,"body":"your"},{"speaker":"Rod Griffin","startTime":1273.631,"endTime":1273.96,"body":"scores,"},{"speaker":"Rod Griffin","startTime":1273.961,"endTime":1274.08,"body":"it"},{"speaker":"Rod Griffin","startTime":1274.081,"endTime":1274.53,"body":"doesn't."},{"speaker":"Rod Griffin","startTime":1274.99,"endTime":1275.4,"body":"So"},{"speaker":"Rod Griffin","startTime":1275.61,"endTime":1275.76,"body":"at"},{"speaker":"Rod Griffin","startTime":1275.761,"endTime":1276.15,"body":"least"},{"speaker":"Rod Griffin","startTime":1276.151,"endTime":1276.63,"body":"once"},{"speaker":"Rod Griffin","startTime":1277.02,"endTime":1277.08,"body":"a"},{"speaker":"Rod Griffin","startTime":1277.081,"endTime":1277.65,"body":"year,"},{"speaker":"Rod Griffin","startTime":1278.01,"endTime":1278.1,"body":"you"},{"speaker":"Rod Griffin","startTime":1278.101,"endTime":1278.22,"body":"can"},{"speaker":"Rod Griffin","startTime":1278.221,"endTime":1278.49,"body":"check"},{"speaker":"Rod Griffin","startTime":1278.491,"endTime":1278.58,"body":"it"},{"speaker":"Rod Griffin","startTime":1278.581,"endTime":1278.7,"body":"as"},{"speaker":"Rod Griffin","startTime":1278.701,"endTime":1279.03,"body":"often"},{"speaker":"Rod Griffin","startTime":1279.031,"endTime":1279.15,"body":"as"},{"speaker":"Rod Griffin","startTime":1279.151,"endTime":1279.39,"body":"once"},{"speaker":"Rod Griffin","startTime":1279.391,"endTime":1279.48,"body":"a"},{"speaker":"Rod Griffin","startTime":1279.481,"endTime":1279.72,"body":"week."},{"speaker":"Rod Griffin","startTime":1279.721,"endTime":1279.81,"body":"You"},{"speaker":"Rod Griffin","startTime":1279.811,"endTime":1280.23,"body":"probably"},{"speaker":"Rod Griffin","startTime":1280.231,"endTime":1280.47,"body":"wouldn't"},{"speaker":"Rod Griffin","startTime":1280.471,"endTime":1280.65,"body":"see"},{"speaker":"Rod Griffin","startTime":1280.651,"endTime":1281.25,"body":"changes"},{"speaker":"Rod Griffin","startTime":1281.85,"endTime":1282.27,"body":"once"},{"speaker":"Rod Griffin","startTime":1282.271,"endTime":1282.33,"body":"a"},{"speaker":"Rod Griffin","startTime":1282.331,"endTime":1282.54,"body":"week,"},{"speaker":"Rod Griffin","startTime":1282.57,"endTime":1282.69,"body":"but"},{"speaker":"Rod Griffin","startTime":1282.691,"endTime":1282.78,"body":"you"},{"speaker":"Rod Griffin","startTime":1282.781,"endTime":1283.11,"body":"might."},{"speaker":"Rod Griffin","startTime":1283.47,"endTime":1283.62,"body":"I"},{"speaker":"Rod Griffin","startTime":1283.621,"endTime":1284.01,"body":"also"},{"speaker":"Rod Griffin","startTime":1284.011,"endTime":1284.52,"body":"recommend"},{"speaker":"Rod Griffin","startTime":1284.521,"endTime":1284.64,"body":"that"},{"speaker":"Rod Griffin","startTime":1284.641,"endTime":1284.79,"body":"if"},{"speaker":"Rod Griffin","startTime":1284.791,"endTime":1284.94,"body":"you're"},{"speaker":"Rod Griffin","startTime":1284.941,"endTime":1285.24,"body":"planning"},{"speaker":"Rod Griffin","startTime":1285.241,"endTime":1285.36,"body":"to"},{"speaker":"Rod Griffin","startTime":1285.361,"endTime":1285.57,"body":"make"},{"speaker":"Rod Griffin","startTime":1285.571,"endTime":1285.72,"body":"a"},{"speaker":"Rod Griffin","startTime":1285.75,"endTime":1286.26,"body":"major"},{"speaker":"Rod Griffin","startTime":1286.261,"endTime":1286.62,"body":"credit"},{"speaker":"Rod Griffin","startTime":1286.621,"endTime":1287.1,"body":"purchase"},{"speaker":"Rod Griffin","startTime":1287.101,"endTime":1287.25,"body":"in"},{"speaker":"Rod Griffin","startTime":1287.251,"endTime":1287.31,"body":"the"},{"speaker":"Rod Griffin","startTime":1287.311,"endTime":1287.73,"body":"next"},{"speaker":"Rod Griffin","startTime":1287.731,"endTime":1287.94,"body":"three"},{"speaker":"Rod Griffin","startTime":1287.941,"endTime":1288.06,"body":"to"},{"speaker":"Rod Griffin","startTime":1288.061,"endTime":1288.33,"body":"six"},{"speaker":"Rod Griffin","startTime":1288.331,"endTime":1288.75,"body":"months,"},{"speaker":"Rod Griffin","startTime":1289.17,"endTime":1289.32,"body":"it"},{"speaker":"Rod Griffin","startTime":1289.321,"endTime":1289.53,"body":"makes"},{"speaker":"Rod Griffin","startTime":1289.531,"endTime":1289.77,"body":"sense"},{"speaker":"Rod Griffin","startTime":1289.771,"endTime":1289.89,"body":"to"},{"speaker":"Rod Griffin","startTime":1289.891,"endTime":1290.13,"body":"check"},{"speaker":"Rod Griffin","startTime":1290.131,"endTime":1290.25,"body":"your"},{"speaker":"Rod Griffin","startTime":1290.251,"endTime":1290.49,"body":"credit"},{"speaker":"Rod Griffin","startTime":1290.491,"endTime":1290.94,"body":"report"},{"speaker":"Rod Griffin","startTime":1291.3,"endTime":1291.66,"body":"several"},{"speaker":"Rod Griffin","startTime":1291.661,"endTime":1291.87,"body":"months"},{"speaker":"Rod Griffin","startTime":1291.871,"endTime":1292.29,"body":"ahead"},{"speaker":"Rod Griffin","startTime":1292.5,"endTime":1292.65,"body":"to"},{"speaker":"Rod Griffin","startTime":1292.651,"endTime":1292.86,"body":"make"},{"speaker":"Rod Griffin","startTime":1292.861,"endTime":1293.04,"body":"sure"},{"speaker":"Rod Griffin","startTime":1293.041,"endTime":1293.52,"body":"everything"},{"speaker":"Rod Griffin","startTime":1293.521,"endTime":1293.7,"body":"is"},{"speaker":"Rod Griffin","startTime":1293.701,"endTime":1294.27,"body":"okay,"},{"speaker":"Rod Griffin","startTime":1294.69,"endTime":1294.99,"body":"and"},{"speaker":"Rod Griffin","startTime":1294.991,"endTime":1295.26,"body":"that"},{"speaker":"Rod Griffin","startTime":1295.261,"endTime":1295.65,"body":"it's"},{"speaker":"Rod Griffin","startTime":1295.68,"endTime":1295.92,"body":"going"},{"speaker":"Rod Griffin","startTime":1295.921,"endTime":1296.01,"body":"to"},{"speaker":"Rod Griffin","startTime":1296.011,"endTime":1296.13,"body":"be"},{"speaker":"Rod Griffin","startTime":1296.131,"endTime":1296.28,"body":"there"},{"speaker":"Rod Griffin","startTime":1296.281,"endTime":1296.4,"body":"to"},{"speaker":"Rod Griffin","startTime":1296.401,"endTime":1296.58,"body":"work"},{"speaker":"Rod Griffin","startTime":1296.581,"endTime":1296.82,"body":"for"},{"speaker":"Rod Griffin","startTime":1296.821,"endTime":1297.18,"body":"you."},{"speaker":"Rod Griffin","startTime":1297.27,"endTime":1297.45,"body":"And"},{"speaker":"Rod Griffin","startTime":1297.451,"endTime":1297.57,"body":"if"},{"speaker":"Rod Griffin","startTime":1297.571,"endTime":1297.96,"body":"anything"},{"speaker":"Rod Griffin","startTime":1297.961,"endTime":1298.2,"body":"needs"},{"speaker":"Rod Griffin","startTime":1298.201,"endTime":1298.35,"body":"to"},{"speaker":"Rod Griffin","startTime":1298.351,"endTime":1298.56,"body":"be"},{"speaker":"Rod Griffin","startTime":1298.89,"endTime":1299.46,"body":"improved"},{"speaker":"Rod Griffin","startTime":1299.461,"endTime":1299.52,"body":"or"},{"speaker":"Rod Griffin","startTime":1299.521,"endTime":1299.79,"body":"worked"},{"speaker":"Rod Griffin","startTime":1299.791,"endTime":1300.0,"body":"on,"},{"speaker":"Rod Griffin","startTime":1300.001,"endTime":1300.18,"body":"you'll"},{"speaker":"Rod Griffin","startTime":1300.181,"endTime":1300.33,"body":"have"},{"speaker":"Rod Griffin","startTime":1300.331,"endTime":1300.6,"body":"time"},{"speaker":"Rod Griffin","startTime":1300.601,"endTime":1300.72,"body":"to"},{"speaker":"Rod Griffin","startTime":1300.721,"endTime":1300.9,"body":"do"},{"speaker":"Rod Griffin","startTime":1300.901,"endTime":1301.2,"body":"that."},{"speaker":"Rod Griffin","startTime":1301.8,"endTime":1301.8,"body":"So"},{"speaker":"Rod Griffin","startTime":1301.801,"endTime":1302.04,"body":"check"},{"speaker":"Rod Griffin","startTime":1302.041,"endTime":1302.16,"body":"your"},{"speaker":"Rod Griffin","startTime":1302.161,"endTime":1302.52,"body":"report"},{"speaker":"Rod Griffin","startTime":1302.521,"endTime":1302.7,"body":"three"},{"speaker":"Rod Griffin","startTime":1302.701,"endTime":1302.79,"body":"to"},{"speaker":"Rod Griffin","startTime":1302.791,"endTime":1303.03,"body":"six"},{"speaker":"Rod Griffin","startTime":1303.031,"endTime":1303.3,"body":"months"},{"speaker":"Rod Griffin","startTime":1303.301,"endTime":1303.42,"body":"in"},{"speaker":"Rod Griffin","startTime":1303.421,"endTime":1303.81,"body":"advance"},{"speaker":"Rod Griffin","startTime":1303.811,"endTime":1303.96,"body":"of"},{"speaker":"Rod Griffin","startTime":1304.08,"endTime":1304.32,"body":"any"},{"speaker":"Rod Griffin","startTime":1304.321,"endTime":1304.62,"body":"major"},{"speaker":"Rod Griffin","startTime":1304.621,"endTime":1304.89,"body":"credit"},{"speaker":"Rod Griffin","startTime":1304.891,"endTime":1305.34,"body":"purchase."},{"speaker":"Rod Griffin","startTime":1305.88,"endTime":1306.06,"body":"And"},{"speaker":"Rod Griffin","startTime":1306.061,"endTime":1306.15,"body":"you"},{"speaker":"Rod Griffin","startTime":1306.151,"endTime":1306.36,"body":"may"},{"speaker":"Rod Griffin","startTime":1306.361,"endTime":1306.72,"body":"also"},{"speaker":"Rod Griffin","startTime":1306.721,"endTime":1306.87,"body":"want"},{"speaker":"Rod Griffin","startTime":1306.93,"endTime":1306.99,"body":"to"},{"speaker":"Rod Griffin","startTime":1306.991,"endTime":1307.26,"body":"check"},{"speaker":"Rod Griffin","startTime":1307.261,"endTime":1307.38,"body":"your"},{"speaker":"Rod Griffin","startTime":1307.381,"endTime":1307.68,"body":"credit"},{"speaker":"Rod Griffin","startTime":1307.681,"endTime":1308.25,"body":"report"},{"speaker":"Rod Griffin","startTime":1308.52,"endTime":1308.82,"body":"more"},{"speaker":"Rod Griffin","startTime":1308.52,"endTime":1308.82,"body":"often"},{"speaker":"Rod Griffin","startTime":1308.821,"endTime":1309.21,"body":"if"},{"speaker":"Rod Griffin","startTime":1309.331,"endTime":1309.48,"body":"you've"},{"speaker":"Rod Griffin","startTime":1309.481,"endTime":1309.63,"body":"been"},{"speaker":"Rod Griffin","startTime":1309.631,"endTime":1309.69,"body":"a"},{"speaker":"Rod Griffin","startTime":1309.691,"endTime":1310.02,"body":"victim"},{"speaker":"Rod Griffin","startTime":1310.021,"endTime":1310.14,"body":"of"},{"speaker":"Rod Griffin","startTime":1310.141,"endTime":1310.41,"body":"fraud"},{"speaker":"Rod Griffin","startTime":1310.411,"endTime":1310.47,"body":"or"},{"speaker":"Rod Griffin","startTime":1310.471,"endTime":1310.95,"body":"identity"},{"speaker":"Rod Griffin","startTime":1310.951,"endTime":1311.34,"body":"theft,"},{"speaker":"Rod Griffin","startTime":1311.52,"endTime":1311.64,"body":"it"},{"speaker":"Rod Griffin","startTime":1311.641,"endTime":1311.85,"body":"might"},{"speaker":"Rod Griffin","startTime":1311.851,"endTime":1312.09,"body":"make"},{"speaker":"Rod Griffin","startTime":1312.091,"endTime":1312.39,"body":"sense"},{"speaker":"Rod Griffin","startTime":1312.391,"endTime":1312.72,"body":"to"},{"speaker":"Rod Griffin","startTime":1312.721,"endTime":1313.26,"body":"subscribe"},{"speaker":"Rod Griffin","startTime":1313.261,"endTime":1313.41,"body":"to"},{"speaker":"Rod Griffin","startTime":1313.411,"endTime":1313.68,"body":"a"},{"speaker":"Rod Griffin","startTime":1313.681,"endTime":1314.13,"body":"monitoring"},{"speaker":"Rod Griffin","startTime":1314.131,"endTime":1314.58,"body":"service."},{"speaker":"Rod Griffin","startTime":1315.03,"endTime":1315.54,"body":"Experian"},{"speaker":"Rod Griffin","startTime":1315.541,"endTime":1315.87,"body":"offers"},{"speaker":"Rod Griffin","startTime":1315.871,"endTime":1316.11,"body":"free"},{"speaker":"Rod Griffin","startTime":1316.111,"endTime":1316.89,"body":"subscriptions"},{"speaker":"Rod Griffin","startTime":1316.89,"endTime":1316.89,"body":","},{"speaker":"Rod Griffin","startTime":1316.95,"endTime":1317.19,"body":"through,"},{"speaker":"Rod Griffin","startTime":1317.78,"endTime":1317.93,"body":"through"},{"speaker":"Rod Griffin","startTime":1318.93,"endTime":1318.93,"body":"experian.com"},{"speaker":"Rod Griffin","startTime":1318.93,"endTime":1318.93,"body":"."},{"speaker":"Rod Griffin","startTime":1319.29,"endTime":1319.44,"body":"And"},{"speaker":"Rod Griffin","startTime":1319.59,"endTime":1319.59,"body":"we'll"},{"speaker":"Rod Griffin","startTime":1319.591,"endTime":1320.19,"body":"notify"},{"speaker":"Rod Griffin","startTime":1320.191,"endTime":1320.52,"body":"you"},{"speaker":"Rod Griffin","startTime":1320.55,"endTime":1320.79,"body":"if"},{"speaker":"Rod Griffin","startTime":1320.791,"endTime":1321.21,"body":"you"},{"speaker":"Rod Griffin","startTime":1321.66,"endTime":1321.87,"body":"have"},{"speaker":"Rod Griffin","startTime":1321.871,"endTime":1322.2,"body":"any"},{"speaker":"Rod Griffin","startTime":1322.29,"endTime":1322.74,"body":"changes"},{"speaker":"Rod Griffin","startTime":1322.741,"endTime":1322.86,"body":"to"},{"speaker":"Rod Griffin","startTime":1322.861,"endTime":1322.98,"body":"the"},{"speaker":"Rod Griffin","startTime":1322.981,"endTime":1323.43,"body":"report."},{"speaker":"Rod Griffin","startTime":1323.91,"endTime":1324.33,"body":"And"},{"speaker":"Rod Griffin","startTime":1324.331,"endTime":1324.42,"body":"you"},{"speaker":"Rod Griffin","startTime":1324.421,"endTime":1324.54,"body":"can"},{"speaker":"Rod Griffin","startTime":1324.541,"endTime":1324.78,"body":"check"},{"speaker":"Rod Griffin","startTime":1324.781,"endTime":1324.96,"body":"your"},{"speaker":"Rod Griffin","startTime":1325.08,"endTime":1325.56,"body":"report"},{"speaker":"Rod Griffin","startTime":1325.561,"endTime":1325.77,"body":"and"},{"speaker":"Rod Griffin","startTime":1325.771,"endTime":1325.83,"body":"a"},{"speaker":"Rod Griffin","startTime":1325.831,"endTime":1326.31,"body":"score,"},{"speaker":"Rod Griffin","startTime":1326.52,"endTime":1326.76,"body":"every"},{"speaker":"Rod Griffin","startTime":1326.761,"endTime":1327.03,"body":"30"},{"speaker":"Rod Griffin","startTime":1327.031,"endTime":1327.3,"body":"days,"},{"speaker":"Rod Griffin","startTime":1327.301,"endTime":1327.39,"body":"you"},{"speaker":"Rod Griffin","startTime":1327.391,"endTime":1327.57,"body":"get"},{"speaker":"Rod Griffin","startTime":1327.571,"endTime":1327.6,"body":"a"},{"speaker":"Rod Griffin","startTime":1327.601,"endTime":1327.75,"body":"new"},{"speaker":"Rod Griffin","startTime":1327.751,"endTime":1328.14,"body":"report"},{"speaker":"Rod Griffin","startTime":1328.141,"endTime":1328.53,"body":"score."},{"speaker":"Rod Griffin","startTime":1328.83,"endTime":1329.28,"body":"So"},{"speaker":"Rod Griffin","startTime":1329.34,"endTime":1329.79,"body":"lots"},{"speaker":"Rod Griffin","startTime":1329.791,"endTime":1329.88,"body":"of"},{"speaker":"Rod Griffin","startTime":1329.881,"endTime":1330.03,"body":"ways"},{"speaker":"Rod Griffin","startTime":1330.031,"endTime":1330.12,"body":"to"},{"speaker":"Rod Griffin","startTime":1330.121,"endTime":1330.27,"body":"get"},{"speaker":"Rod Griffin","startTime":1330.271,"endTime":1330.42,"body":"free"},{"speaker":"Rod Griffin","startTime":1330.421,"endTime":1330.99,"body":"reports"},{"speaker":"Rod Griffin","startTime":1331.02,"endTime":1331.2,"body":"and"},{"speaker":"Rod Griffin","startTime":1331.201,"endTime":1331.68,"body":"scores"},{"speaker":"Rod Griffin","startTime":1331.681,"endTime":1331.94,"body":"and"},{"speaker":"Rod Griffin","startTime":1332.01,"endTime":1332.16,"body":"make"},{"speaker":"Rod Griffin","startTime":1332.161,"endTime":1332.31,"body":"sure"},{"speaker":"Rod Griffin","startTime":1332.311,"endTime":1332.46,"body":"that"},{"speaker":"Rod Griffin","startTime":1332.461,"endTime":1332.64,"body":"you're"},{"speaker":"Rod Griffin","startTime":1332.641,"endTime":1332.97,"body":"aware"},{"speaker":"Rod Griffin","startTime":1333.12,"endTime":1333.12,"body":"of"},{"speaker":"Rod Griffin","startTime":1333.12,"endTime":1333.12,"body":","},{"speaker":"Rod Griffin","startTime":1333.24,"endTime":1333.36,"body":"of"},{"speaker":"Rod Griffin","startTime":1333.361,"endTime":1333.57,"body":"what's"},{"speaker":"Rod Griffin","startTime":1333.571,"endTime":1333.9,"body":"happening"},{"speaker":"Rod Griffin","startTime":1333.901,"endTime":1333.99,"body":"in"},{"speaker":"Rod Griffin","startTime":1333.991,"endTime":1334.14,"body":"that"},{"speaker":"Rod Griffin","startTime":1334.141,"endTime":1334.56,"body":"report."},{"speaker":"Dr. Mary Bell Carlson","startTime":1335.06,"endTime":1335.21,"body":"Rod,"},{"speaker":"Dr. Mary Bell Carlson","startTime":1335.06,"endTime":1335.21,"body":"do"},{"speaker":"Dr. Mary Bell Carlson","startTime":1335.211,"endTime":1335.39,"body":"you"},{"speaker":"Dr. Mary Bell Carlson","startTime":1335.391,"endTime":1336.02,"body":"anticipate"},{"speaker":"Dr. Mary Bell Carlson","startTime":1336.021,"endTime":1336.11,"body":"that"},{"speaker":"Dr. Mary Bell Carlson","startTime":1336.111,"endTime":1336.35,"body":"once"},{"speaker":"Dr. Mary Bell Carlson","startTime":1336.351,"endTime":1336.8,"body":"COVID"},{"speaker":"Dr. Mary Bell Carlson","startTime":1336.801,"endTime":1336.89,"body":"is"},{"speaker":"Dr. Mary Bell Carlson","startTime":1336.891,"endTime":1337.16,"body":"over"},{"speaker":"Dr. Mary Bell Carlson","startTime":1337.161,"endTime":1337.28,"body":"that"},{"speaker":"Dr. Mary Bell Carlson","startTime":1337.281,"endTime":1337.73,"body":"consumers"},{"speaker":"Dr. Mary Bell Carlson","startTime":1337.731,"endTime":1337.88,"body":"will"},{"speaker":"Dr. Mary Bell Carlson","startTime":1337.881,"endTime":1338.15,"body":"still"},{"speaker":"Dr. Mary Bell Carlson","startTime":1338.151,"endTime":1338.3,"body":"be"},{"speaker":"Dr. Mary Bell Carlson","startTime":1338.301,"endTime":1338.6,"body":"able"},{"speaker":"Dr. Mary Bell Carlson","startTime":1338.601,"endTime":1338.66,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":1338.661,"endTime":1338.93,"body":"check"},{"speaker":"Dr. Mary Bell Carlson","startTime":1338.931,"endTime":1339.05,"body":"their"},{"speaker":"Dr. Mary Bell Carlson","startTime":1339.051,"endTime":1339.32,"body":"credit"},{"speaker":"Dr. Mary Bell Carlson","startTime":1339.321,"endTime":1339.74,"body":"report"},{"speaker":"Dr. Mary Bell Carlson","startTime":1339.741,"endTime":1339.95,"body":"once"},{"speaker":"Dr. Mary Bell Carlson","startTime":1339.951,"endTime":1340.01,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":1340.011,"endTime":1340.43,"body":"week?"},{"speaker":"Rod Griffin","startTime":1340.91,"endTime":1341.03,"body":"I"},{"speaker":"Rod Griffin","startTime":1340.91,"endTime":1341.03,"body":"don't"},{"speaker":"Rod Griffin","startTime":1340.91,"endTime":1341.03,"body":"know."},{"speaker":"Rod Griffin","startTime":1341.66,"endTime":1341.78,"body":"You"},{"speaker":"Rod Griffin","startTime":1341.931,"endTime":1342.08,"body":"know,"},{"speaker":"Rod Griffin","startTime":1342.081,"endTime":1342.32,"body":"right"},{"speaker":"Rod Griffin","startTime":1342.321,"endTime":1342.89,"body":"now"},{"speaker":"Rod Griffin","startTime":1343.28,"endTime":1343.64,"body":"we're"},{"speaker":"Rod Griffin","startTime":1343.641,"endTime":1344.36,"body":"looking,"},{"speaker":"Rod Griffin","startTime":1344.39,"endTime":1344.48,"body":"you"},{"speaker":"Rod Griffin","startTime":1344.481,"endTime":1344.57,"body":"know,"},{"speaker":"Rod Griffin","startTime":1344.571,"endTime":1344.63,"body":"a"},{"speaker":"Rod Griffin","startTime":1344.631,"endTime":1344.9,"body":"year"},{"speaker":"Rod Griffin","startTime":1344.901,"endTime":1345.38,"body":"out"},{"speaker":"Rod Griffin","startTime":1345.8,"endTime":1346.1,"body":"and"},{"speaker":"Rod Griffin","startTime":1346.101,"endTime":1346.31,"body":"we'll"},{"speaker":"Rod Griffin","startTime":1346.311,"endTime":1347.18,"body":"reevaluate"},{"speaker":"Rod Griffin","startTime":1347.21,"endTime":1347.69,"body":"when"},{"speaker":"Rod Griffin","startTime":1348.17,"endTime":1348.47,"body":"next"},{"speaker":"Rod Griffin","startTime":1348.471,"endTime":1348.65,"body":"year"},{"speaker":"Rod Griffin","startTime":1348.68,"endTime":1348.92,"body":"comes"},{"speaker":"Rod Griffin","startTime":1348.921,"endTime":1349.4,"body":"around"},{"speaker":"Rod Griffin","startTime":1349.4,"endTime":1349.4,"body":","},{"speaker":"Rod Griffin","startTime":1349.941,"endTime":1350.12,"body":"you"},{"speaker":"Rod Griffin","startTime":1350.121,"endTime":1350.31,"body":"know,"},{"speaker":"Rod Griffin","startTime":1350.311,"endTime":1350.48,"body":"it's,"},{"speaker":"Rod Griffin","startTime":1351.08,"endTime":1351.2,"body":"you"},{"speaker":"Rod Griffin","startTime":1351.201,"endTime":1351.29,"body":"know,"},{"speaker":"Rod Griffin","startTime":1351.291,"endTime":1351.41,"body":"like"},{"speaker":"Rod Griffin","startTime":1351.411,"endTime":1351.47,"body":"I"},{"speaker":"Rod Griffin","startTime":1351.471,"endTime":1351.68,"body":"said,"},{"speaker":"Rod Griffin","startTime":1351.681,"endTime":1351.77,"body":"you"},{"speaker":"Rod Griffin","startTime":1351.771,"endTime":1351.95,"body":"can"},{"speaker":"Rod Griffin","startTime":1351.951,"endTime":1352.46,"body":"subscribe"},{"speaker":"Rod Griffin","startTime":1352.461,"endTime":1352.58,"body":"to"},{"speaker":"Rod Griffin","startTime":1352.581,"endTime":1352.76,"body":"free"},{"speaker":"Rod Griffin","startTime":1352.761,"endTime":1353.18,"body":"monitoring"},{"speaker":"Rod Griffin","startTime":1353.181,"endTime":1353.75,"body":"services."},{"speaker":"Rod Griffin","startTime":1353.751,"endTime":1353.84,"body":"There"},{"speaker":"Rod Griffin","startTime":1353.841,"endTime":1353.87,"body":"are"},{"speaker":"Rod Griffin","startTime":1353.871,"endTime":1354.08,"body":"ways"},{"speaker":"Rod Griffin","startTime":1354.081,"endTime":1354.17,"body":"to"},{"speaker":"Rod Griffin","startTime":1354.171,"endTime":1354.35,"body":"get"},{"speaker":"Rod Griffin","startTime":1354.351,"endTime":1354.47,"body":"free"},{"speaker":"Rod Griffin","startTime":1354.471,"endTime":1354.95,"body":"reports"},{"speaker":"Rod Griffin","startTime":1354.951,"endTime":1355.1,"body":"as"},{"speaker":"Rod Griffin","startTime":1355.101,"endTime":1355.43,"body":"well"},{"speaker":"Rod Griffin","startTime":1355.76,"endTime":1355.97,"body":"with"},{"speaker":"Rod Griffin","startTime":1355.971,"endTime":1356.39,"body":"additional"},{"speaker":"Rod Griffin","startTime":1356.391,"endTime":1356.81,"body":"tools"},{"speaker":"Rod Griffin","startTime":1356.811,"endTime":1357.23,"body":"beyond"},{"speaker":"Rod Griffin","startTime":1357.231,"endTime":1357.47,"body":"just"},{"speaker":"Rod Griffin","startTime":1357.471,"endTime":1357.65,"body":"that"},{"speaker":"Rod Griffin","startTime":1357.651,"endTime":1357.86,"body":"free"},{"speaker":"Rod Griffin","startTime":1357.861,"endTime":1358.4,"body":"report."},{"speaker":"Rod Griffin","startTime":1358.401,"endTime":1358.79,"body":"So,"},{"speaker":"Rod Griffin","startTime":1359.15,"endTime":1359.33,"body":"I"},{"speaker":"Rod Griffin","startTime":1359.331,"endTime":1359.72,"body":"always"},{"speaker":"Rod Griffin","startTime":1359.99,"endTime":1360.44,"body":"recommend"},{"speaker":"Rod Griffin","startTime":1360.441,"endTime":1360.5,"body":"you"},{"speaker":"Rod Griffin","startTime":1360.501,"endTime":1360.68,"body":"take"},{"speaker":"Rod Griffin","startTime":1360.681,"endTime":1361.1,"body":"advantage"},{"speaker":"Rod Griffin","startTime":1361.101,"endTime":1361.22,"body":"of"},{"speaker":"Rod Griffin","startTime":1361.221,"endTime":1361.31,"body":"the"},{"speaker":"Rod Griffin","startTime":1361.311,"endTime":1361.64,"body":"tools"},{"speaker":"Rod Griffin","startTime":1361.641,"endTime":1361.76,"body":"that"},{"speaker":"Rod Griffin","startTime":1361.761,"endTime":1361.82,"body":"are"},{"speaker":"Rod Griffin","startTime":1361.821,"endTime":1362.24,"body":"available"},{"speaker":"Rod Griffin","startTime":1362.241,"endTime":1362.42,"body":"to"},{"speaker":"Rod Griffin","startTime":1362.421,"endTime":1362.72,"body":"you."},{"speaker":"Rod Griffin","startTime":1362.87,"endTime":1363.11,"body":"And"},{"speaker":"Rod Griffin","startTime":1363.111,"endTime":1363.32,"body":"that's"},{"speaker":"Rod Griffin","startTime":1363.321,"endTime":1363.53,"body":"one"},{"speaker":"Rod Griffin","startTime":1363.531,"endTime":1363.71,"body":"of"},{"speaker":"Rod Griffin","startTime":1363.711,"endTime":1363.95,"body":"them."},{"speaker":"Dr. Mary Bell Carlson","startTime":1364.34,"endTime":1364.34,"body":"Now"},{"speaker":"Dr. Mary Bell Carlson","startTime":1364.37,"endTime":1364.67,"body":"tell"},{"speaker":"Dr. Mary Bell Carlson","startTime":1364.671,"endTime":1364.82,"body":"us"},{"speaker":"Dr. Mary Bell Carlson","startTime":1364.821,"endTime":1365.21,"body":"about"},{"speaker":"Dr. Mary Bell Carlson","startTime":1365.211,"endTime":1365.99,"body":"Experian"},{"speaker":"Dr. Mary Bell Carlson","startTime":1365.991,"endTime":1366.38,"body":"Boost"},{"speaker":"Dr. Mary Bell Carlson","startTime":1366.381,"endTime":1366.53,"body":"and"},{"speaker":"Dr. Mary Bell Carlson","startTime":1366.531,"endTime":1366.74,"body":"how"},{"speaker":"Dr. Mary Bell Carlson","startTime":1366.741,"endTime":1367.55,"body":"professionals"},{"speaker":"Dr. Mary Bell Carlson","startTime":1367.551,"endTime":1367.73,"body":"can"},{"speaker":"Dr. Mary Bell Carlson","startTime":1367.731,"endTime":1367.94,"body":"use"},{"speaker":"Dr. Mary Bell Carlson","startTime":1367.941,"endTime":1368.03,"body":"it"},{"speaker":"Dr. Mary Bell Carlson","startTime":1368.031,"endTime":1368.15,"body":"with"},{"speaker":"Dr. Mary Bell Carlson","startTime":1368.27,"endTime":1368.27,"body":"their"},{"speaker":"Dr. Mary Bell Carlson","startTime":1368.271,"endTime":1368.93,"body":"clients."},{"speaker":"Rod Griffin","startTime":1369.86,"endTime":1370.13,"body":"Thank"},{"speaker":"Rod Griffin","startTime":1370.131,"endTime":1370.25,"body":"you"},{"speaker":"Rod Griffin","startTime":1370.251,"endTime":1370.52,"body":"for"},{"speaker":"Rod Griffin","startTime":1370.61,"endTime":1371.03,"body":"bringing"},{"speaker":"Rod Griffin","startTime":1371.031,"endTime":1371.24,"body":"that"},{"speaker":"Rod Griffin","startTime":1371.241,"endTime":1371.42,"body":"up."},{"speaker":"Rod Griffin","startTime":1371.75,"endTime":1372.32,"body":"Experian"},{"speaker":"Rod Griffin","startTime":1372.321,"endTime":1372.8,"body":"Boost"},{"speaker":"Rod Griffin","startTime":1372.83,"endTime":1373.28,"body":"is"},{"speaker":"Rod Griffin","startTime":1373.281,"endTime":1373.43,"body":"a"},{"speaker":"Rod Griffin","startTime":1373.46,"endTime":1374.24,"body":"tool"},{"speaker":"Rod Griffin","startTime":1374.48,"endTime":1374.75,"body":"that"},{"speaker":"Rod Griffin","startTime":1374.751,"endTime":1375.08,"body":"lets"},{"speaker":"Rod Griffin","startTime":1375.081,"endTime":1375.44,"body":"you"},{"speaker":"Rod Griffin","startTime":1375.441,"endTime":1375.59,"body":"as"},{"speaker":"Rod Griffin","startTime":1375.591,"endTime":1375.71,"body":"an"},{"speaker":"Rod Griffin","startTime":1375.711,"endTime":1376.73,"body":"individual,"},{"speaker":"Rod Griffin","startTime":1376.82,"endTime":1377.18,"body":"add"},{"speaker":"Rod Griffin","startTime":1377.181,"endTime":1377.36,"body":"your"},{"speaker":"Rod Griffin","startTime":1377.361,"endTime":1378.05,"body":"positive"},{"speaker":"Rod Griffin","startTime":1378.29,"endTime":1378.29,"body":"cell"},{"speaker":"Rod Griffin","startTime":1378.5,"endTime":1378.5,"body":"phone"},{"speaker":"Rod Griffin","startTime":1378.501,"endTime":1379.04,"body":"payments,"},{"speaker":"Rod Griffin","startTime":1379.19,"endTime":1379.37,"body":"your"},{"speaker":"Rod Griffin","startTime":1379.371,"endTime":1379.82,"body":"positive"},{"speaker":"Rod Griffin","startTime":1379.821,"endTime":1380.36,"body":"utility"},{"speaker":"Rod Griffin","startTime":1380.361,"endTime":1380.93,"body":"payments"},{"speaker":"Rod Griffin","startTime":1381.26,"endTime":1381.44,"body":"and"},{"speaker":"Rod Griffin","startTime":1381.441,"endTime":1381.56,"body":"your"},{"speaker":"Rod Griffin","startTime":1381.561,"endTime":1381.92,"body":"positive"},{"speaker":"Rod Griffin","startTime":1381.921,"endTime":1382.58,"body":"streaming"},{"speaker":"Rod Griffin","startTime":1382.76,"endTime":1383.51,"body":"services"},{"speaker":"Rod Griffin","startTime":1383.511,"endTime":1383.72,"body":"to"},{"speaker":"Rod Griffin","startTime":1383.721,"endTime":1383.96,"body":"your"},{"speaker":"Rod Griffin","startTime":1383.961,"endTime":1384.23,"body":"credit"},{"speaker":"Rod Griffin","startTime":1384.231,"endTime":1384.65,"body":"report"},{"speaker":"Rod Griffin","startTime":1384.68,"endTime":1384.86,"body":"as"},{"speaker":"Rod Griffin","startTime":1384.861,"endTime":1385.34,"body":"accounts."},{"speaker":"Rod Griffin","startTime":1385.64,"endTime":1385.88,"body":"So"},{"speaker":"Rod Griffin","startTime":1385.881,"endTime":1386.06,"body":"if"},{"speaker":"Rod Griffin","startTime":1386.061,"endTime":1386.48,"body":"you"},{"speaker":"Rod Griffin","startTime":1386.48,"endTime":1386.48,"body":","},{"speaker":"Rod Griffin","startTime":1387.32,"endTime":1387.83,"body":"are,"},{"speaker":"Rod Griffin","startTime":1388.071,"endTime":1388.19,"body":"if"},{"speaker":"Rod Griffin","startTime":1388.191,"endTime":1388.28,"body":"you"},{"speaker":"Rod Griffin","startTime":1388.281,"endTime":1388.4,"body":"have"},{"speaker":"Rod Griffin","startTime":1388.401,"endTime":1388.43,"body":"a"},{"speaker":"Rod Griffin","startTime":1388.431,"endTime":1388.67,"body":"cell"},{"speaker":"Rod Griffin","startTime":1388.671,"endTime":1389.0,"body":"phone,"},{"speaker":"Rod Griffin","startTime":1389.3,"endTime":1389.51,"body":"you"},{"speaker":"Rod Griffin","startTime":1389.511,"endTime":1389.84,"body":"can"},{"speaker":"Rod Griffin","startTime":1390.08,"endTime":1390.35,"body":"give"},{"speaker":"Rod Griffin","startTime":1390.351,"endTime":1390.44,"body":"us"},{"speaker":"Rod Griffin","startTime":1390.441,"endTime":1390.89,"body":"permission"},{"speaker":"Rod Griffin","startTime":1390.891,"endTime":1390.98,"body":"to"},{"speaker":"Rod Griffin","startTime":1390.981,"endTime":1391.25,"body":"check"},{"speaker":"Rod Griffin","startTime":1391.251,"endTime":1391.46,"body":"your,"},{"speaker":"Rod Griffin","startTime":1391.85,"endTime":1392.48,"body":"your,"},{"speaker":"Rod Griffin","startTime":1392.78,"endTime":1393.02,"body":"either"},{"speaker":"Rod Griffin","startTime":1393.021,"endTime":1393.17,"body":"your"},{"speaker":"Rod Griffin","startTime":1393.171,"endTime":1393.5,"body":"checking"},{"speaker":"Rod Griffin","startTime":1393.501,"endTime":1393.77,"body":"account,"},{"speaker":"Rod Griffin","startTime":1393.771,"endTime":1394.13,"body":"savings"},{"speaker":"Rod Griffin","startTime":1394.131,"endTime":1394.31,"body":"account"},{"speaker":"Rod Griffin","startTime":1394.311,"endTime":1394.37,"body":"or"},{"speaker":"Rod Griffin","startTime":1394.371,"endTime":1394.7,"body":"credit"},{"speaker":"Rod Griffin","startTime":1394.701,"endTime":1394.91,"body":"card"},{"speaker":"Rod Griffin","startTime":1394.911,"endTime":1395.0,"body":"that"},{"speaker":"Rod Griffin","startTime":1395.001,"endTime":1395.09,"body":"you"},{"speaker":"Rod Griffin","startTime":1395.091,"endTime":1395.27,"body":"pay"},{"speaker":"Rod Griffin","startTime":1395.271,"endTime":1395.36,"body":"it"},{"speaker":"Rod Griffin","startTime":1395.361,"endTime":1395.51,"body":"with"},{"speaker":"Rod Griffin","startTime":1395.54,"endTime":1395.69,"body":"each"},{"speaker":"Rod Griffin","startTime":1395.691,"endTime":1395.99,"body":"month,"},{"speaker":"Rod Griffin","startTime":1396.32,"endTime":1396.8,"body":"capture"},{"speaker":"Rod Griffin","startTime":1396.801,"endTime":1396.98,"body":"that"},{"speaker":"Rod Griffin","startTime":1396.981,"endTime":1397.37,"body":"payment"},{"speaker":"Rod Griffin","startTime":1397.371,"endTime":1397.49,"body":"and"},{"speaker":"Rod Griffin","startTime":1397.88,"endTime":1397.88,"body":"include"},{"speaker":"Rod Griffin","startTime":1398.0,"endTime":1398.0,"body":"it"},{"speaker":"Rod Griffin","startTime":1398.001,"endTime":1398.18,"body":"as"},{"speaker":"Rod Griffin","startTime":1398.181,"endTime":1398.27,"body":"an"},{"speaker":"Rod Griffin","startTime":1398.271,"endTime":1398.57,"body":"account"},{"speaker":"Rod Griffin","startTime":1398.571,"endTime":1398.63,"body":"for"},{"speaker":"Rod Griffin","startTime":1398.631,"endTime":1398.75,"body":"your"},{"speaker":"Rod Griffin","startTime":1398.751,"endTime":1398.96,"body":"cell"},{"speaker":"Rod Griffin","startTime":1398.961,"endTime":1399.32,"body":"phone."},{"speaker":"Rod Griffin","startTime":1399.83,"endTime":1400.04,"body":"If"},{"speaker":"Rod Griffin","startTime":1400.041,"endTime":1400.46,"body":"you"},{"speaker":"Rod Griffin","startTime":1400.67,"endTime":1400.85,"body":"are"},{"speaker":"Rod Griffin","startTime":1400.851,"endTime":1401.21,"body":"paying"},{"speaker":"Rod Griffin","startTime":1401.211,"endTime":1401.27,"body":"a"},{"speaker":"Rod Griffin","startTime":1401.33,"endTime":1401.75,"body":"natural"},{"speaker":"Rod Griffin","startTime":1401.751,"endTime":1402.11,"body":"gas"},{"speaker":"Rod Griffin","startTime":1402.111,"endTime":1402.44,"body":"bill"},{"speaker":"Rod Griffin","startTime":1402.441,"endTime":1402.56,"body":"or"},{"speaker":"Rod Griffin","startTime":1402.62,"endTime":1402.62,"body":"an"},{"speaker":"Rod Griffin","startTime":1402.621,"endTime":1403.07,"body":"electric"},{"speaker":"Rod Griffin","startTime":1403.071,"endTime":1403.34,"body":"bill"},{"speaker":"Rod Griffin","startTime":1403.341,"endTime":1403.46,"body":"or"},{"speaker":"Rod Griffin","startTime":1403.461,"endTime":1403.79,"body":"water"},{"speaker":"Rod Griffin","startTime":1403.791,"endTime":1404.15,"body":"bill,"},{"speaker":"Rod Griffin","startTime":1404.151,"endTime":1404.33,"body":"and"},{"speaker":"Rod Griffin","startTime":1404.331,"endTime":1404.45,"body":"you're"},{"speaker":"Rod Griffin","startTime":1404.451,"endTime":1404.75,"body":"paying"},{"speaker":"Rod Griffin","startTime":1404.751,"endTime":1404.93,"body":"them"},{"speaker":"Rod Griffin","startTime":1404.931,"endTime":1405.29,"body":"through"},{"speaker":"Rod Griffin","startTime":1405.72,"endTime":1406.4,"body":"a"},{"speaker":"Rod Griffin","startTime":1406.401,"endTime":1406.76,"body":"checking"},{"speaker":"Rod Griffin","startTime":1406.761,"endTime":1406.97,"body":"account,"},{"speaker":"Rod Griffin","startTime":1406.971,"endTime":1407.33,"body":"savings"},{"speaker":"Rod Griffin","startTime":1407.331,"endTime":1407.63,"body":"account,"},{"speaker":"Rod Griffin","startTime":1407.631,"endTime":1407.93,"body":"credit"},{"speaker":"Rod Griffin","startTime":1407.931,"endTime":1408.35,"body":"card,"},{"speaker":"Rod Griffin","startTime":1408.86,"endTime":1409.04,"body":"you"},{"speaker":"Rod Griffin","startTime":1409.041,"endTime":1409.16,"body":"can"},{"speaker":"Rod Griffin","startTime":1409.161,"endTime":1409.31,"body":"give"},{"speaker":"Rod Griffin","startTime":1409.311,"endTime":1409.4,"body":"us"},{"speaker":"Rod Griffin","startTime":1409.401,"endTime":1409.85,"body":"permission"},{"speaker":"Rod Griffin","startTime":1409.851,"endTime":1410.03,"body":"to"},{"speaker":"Rod Griffin","startTime":1410.06,"endTime":1410.36,"body":"check"},{"speaker":"Rod Griffin","startTime":1410.361,"endTime":1410.66,"body":"that."},{"speaker":"Rod Griffin","startTime":1410.661,"endTime":1410.81,"body":"So"},{"speaker":"Rod Griffin","startTime":1411.2,"endTime":1411.2,"body":"experience"},{"speaker":"Rod Griffin","startTime":1411.201,"endTime":1411.47,"body":"boost"},{"speaker":"Rod Griffin","startTime":1411.471,"endTime":1411.62,"body":"is"},{"speaker":"Rod Griffin","startTime":1411.77,"endTime":1411.77,"body":"at"},{"speaker":"Rod Griffin","startTime":1411.78,"endTime":1411.89,"body":"a"},{"speaker":"Rod Griffin","startTime":1412.67,"endTime":1412.67,"body":"permission-based"},{"speaker":"Rod Griffin","startTime":1412.671,"endTime":1413.3,"body":"service"},{"speaker":"Rod Griffin","startTime":1413.72,"endTime":1413.96,"body":"that"},{"speaker":"Rod Griffin","startTime":1413.961,"endTime":1414.23,"body":"lets"},{"speaker":"Rod Griffin","startTime":1414.231,"endTime":1414.65,"body":"you"},{"speaker":"Rod Griffin","startTime":1414.651,"endTime":1415.1,"body":"add"},{"speaker":"Rod Griffin","startTime":1415.101,"endTime":1415.79,"body":"positive"},{"speaker":"Rod Griffin","startTime":1415.791,"endTime":1416.36,"body":"information"},{"speaker":"Rod Griffin","startTime":1416.361,"endTime":1416.48,"body":"to"},{"speaker":"Rod Griffin","startTime":1416.481,"endTime":1416.63,"body":"your"},{"speaker":"Rod Griffin","startTime":1416.631,"endTime":1416.9,"body":"credit"},{"speaker":"Rod Griffin","startTime":1416.631,"endTime":1416.9,"body":"report,"},{"speaker":"Rod Griffin","startTime":1416.901,"endTime":1417.29,"body":"that"},{"speaker":"Rod Griffin","startTime":1417.501,"endTime":1418.04,"body":"wasn't"},{"speaker":"Rod Griffin","startTime":1418.041,"endTime":1418.76,"body":"traditionally."},{"speaker":"Rod Griffin","startTime":1419.27,"endTime":1419.63,"body":"Cell"},{"speaker":"Rod Griffin","startTime":1419.631,"endTime":1419.87,"body":"phone"},{"speaker":"Rod Griffin","startTime":1419.871,"endTime":1420.5,"body":"companies,"},{"speaker":"Rod Griffin","startTime":1420.62,"endTime":1421.13,"body":"utility"},{"speaker":"Rod Griffin","startTime":1421.131,"endTime":1421.73,"body":"companies,"},{"speaker":"Rod Griffin","startTime":1421.731,"endTime":1422.15,"body":"streaming"},{"speaker":"Rod Griffin","startTime":1422.151,"endTime":1422.63,"body":"services,"},{"speaker":"Rod Griffin","startTime":1422.631,"endTime":1422.96,"body":"didn't"},{"speaker":"Rod Griffin","startTime":1422.961,"endTime":1423.56,"body":"traditionally"},{"speaker":"Rod Griffin","startTime":1423.561,"endTime":1424.13,"body":"report"},{"speaker":"Rod Griffin","startTime":1424.131,"endTime":1424.31,"body":"your"},{"speaker":"Rod Griffin","startTime":1424.311,"endTime":1424.85,"body":"accounts"},{"speaker":"Rod Griffin","startTime":1425.83,"endTime":1425.83,"body":"unless,"},{"speaker":"Rod Griffin","startTime":1425.831,"endTime":1425.95,"body":"they"},{"speaker":"Rod Griffin","startTime":1425.951,"endTime":1426.13,"body":"went"},{"speaker":"Rod Griffin","startTime":1426.131,"endTime":1426.22,"body":"to"},{"speaker":"Rod Griffin","startTime":1426.131,"endTime":1426.22,"body":"collections."},{"speaker":"Rod Griffin","startTime":1426.221,"endTime":1426.79,"body":"So"},{"speaker":"Rod Griffin","startTime":1426.911,"endTime":1427.03,"body":"the"},{"speaker":"Rod Griffin","startTime":1427.031,"endTime":1427.45,"body":"negative"},{"speaker":"Rod Griffin","startTime":1427.451,"endTime":1427.96,"body":"information"},{"speaker":"Rod Griffin","startTime":1427.961,"endTime":1428.11,"body":"would"},{"speaker":"Rod Griffin","startTime":1428.111,"endTime":1428.35,"body":"get"},{"speaker":"Rod Griffin","startTime":1428.351,"endTime":1428.77,"body":"there,"},{"speaker":"Rod Griffin","startTime":1429.13,"endTime":1429.28,"body":"but"},{"speaker":"Rod Griffin","startTime":1429.281,"endTime":1429.49,"body":"not"},{"speaker":"Rod Griffin","startTime":1429.491,"endTime":1429.55,"body":"the"},{"speaker":"Rod Griffin","startTime":1429.551,"endTime":1430.03,"body":"positive"},{"speaker":"Rod Griffin","startTime":1430.031,"endTime":1430.51,"body":"information."},{"speaker":"Rod Griffin","startTime":1431.05,"endTime":1431.41,"body":"And"},{"speaker":"Rod Griffin","startTime":1431.74,"endTime":1431.74,"body":"at"},{"speaker":"Rod Griffin","startTime":1432.16,"endTime":1432.16,"body":"Experian"},{"speaker":"Rod Griffin","startTime":1432.16,"endTime":1432.16,"body":","},{"speaker":"Rod Griffin","startTime":1432.32,"endTime":1432.5,"body":"we"},{"speaker":"Rod Griffin","startTime":1432.52,"endTime":1432.88,"body":"thought"},{"speaker":"Rod Griffin","startTime":1433.36,"endTime":1433.54,"body":"you"},{"speaker":"Rod Griffin","startTime":1433.541,"endTime":1433.72,"body":"should"},{"speaker":"Rod Griffin","startTime":1433.721,"endTime":1433.93,"body":"get"},{"speaker":"Rod Griffin","startTime":1433.931,"endTime":1434.29,"body":"credit"},{"speaker":"Rod Griffin","startTime":1434.44,"endTime":1434.62,"body":"where"},{"speaker":"Rod Griffin","startTime":1434.621,"endTime":1434.95,"body":"credit"},{"speaker":"Rod Griffin","startTime":1434.951,"endTime":1435.07,"body":"is"},{"speaker":"Rod Griffin","startTime":1435.071,"endTime":1435.49,"body":"due,"},{"speaker":"Rod Griffin","startTime":1435.52,"endTime":1435.91,"body":"terrible"},{"speaker":"Rod Griffin","startTime":1435.911,"endTime":1436.21,"body":"pun,"},{"speaker":"Rod Griffin","startTime":1438.1,"endTime":1438.28,"body":"but"},{"speaker":"Rod Griffin","startTime":1438.281,"endTime":1438.79,"body":"true."},{"speaker":"Rod Griffin","startTime":1438.82,"endTime":1438.94,"body":"You"},{"speaker":"Rod Griffin","startTime":1438.941,"endTime":1439.09,"body":"know,"},{"speaker":"Rod Griffin","startTime":1439.091,"endTime":1439.33,"body":"we,"},{"speaker":"Rod Griffin","startTime":1439.331,"endTime":1439.54,"body":"and"},{"speaker":"Rod Griffin","startTime":1439.541,"endTime":1439.72,"body":"we"},{"speaker":"Rod Griffin","startTime":1439.721,"endTime":1440.38,"body":"researched,"},{"speaker":"Rod Griffin","startTime":1440.381,"endTime":1440.8,"body":"studied"},{"speaker":"Rod Griffin","startTime":1440.801,"endTime":1440.92,"body":"it."},{"speaker":"Rod Griffin","startTime":1440.921,"endTime":1441.04,"body":"We"},{"speaker":"Rod Griffin","startTime":1441.041,"endTime":1441.19,"body":"have"},{"speaker":"Rod Griffin","startTime":1441.191,"endTime":1441.46,"body":"something"},{"speaker":"Rod Griffin","startTime":1441.461,"endTime":1441.76,"body":"called"},{"speaker":"Rod Griffin","startTime":1441.761,"endTime":1441.82,"body":"our"},{"speaker":"Rod Griffin","startTime":1441.821,"endTime":1442.15,"body":"data"},{"speaker":"Rod Griffin","startTime":1442.151,"endTime":1442.66,"body":"labs"},{"speaker":"Rod Griffin","startTime":1442.69,"endTime":1442.96,"body":"that"},{"speaker":"Rod Griffin","startTime":1443.32,"endTime":1443.56,"body":"have"},{"speaker":"Rod Griffin","startTime":1443.561,"endTime":1444.01,"body":"studied"},{"speaker":"Rod Griffin","startTime":1444.011,"endTime":1444.61,"body":"millions"},{"speaker":"Rod Griffin","startTime":1444.611,"endTime":1444.73,"body":"of"},{"speaker":"Rod Griffin","startTime":1444.731,"endTime":1445.48,"body":"consumers"},{"speaker":"Rod Griffin","startTime":1445.51,"endTime":1445.81,"body":"and"},{"speaker":"Rod Griffin","startTime":1445.811,"endTime":1445.96,"body":"the"},{"speaker":"Rod Griffin","startTime":1445.961,"endTime":1446.38,"body":"effects"},{"speaker":"Rod Griffin","startTime":1446.381,"endTime":1446.5,"body":"of"},{"speaker":"Rod Griffin","startTime":1446.501,"endTime":1446.74,"body":"having"},{"speaker":"Rod Griffin","startTime":1446.741,"endTime":1446.86,"body":"that"},{"speaker":"Rod Griffin","startTime":1446.861,"endTime":1447.34,"body":"positive"},{"speaker":"Rod Griffin","startTime":1447.341,"endTime":1447.82,"body":"information"},{"speaker":"Rod Griffin","startTime":1447.911,"endTime":1448.42,"body":"reported"},{"speaker":"Rod Griffin","startTime":1448.96,"endTime":1449.11,"body":"and"},{"speaker":"Rod Griffin","startTime":1449.111,"endTime":1449.47,"body":"found"},{"speaker":"Rod Griffin","startTime":1449.471,"endTime":1449.68,"body":"that"},{"speaker":"Rod Griffin","startTime":1450.22,"endTime":1450.7,"body":"people"},{"speaker":"Rod Griffin","startTime":1450.701,"endTime":1450.91,"body":"who"},{"speaker":"Rod Griffin","startTime":1450.911,"endTime":1451.48,"body":"have"},{"speaker":"Rod Griffin","startTime":1451.75,"endTime":1451.93,"body":"what"},{"speaker":"Rod Griffin","startTime":1451.931,"endTime":1452.02,"body":"we"},{"speaker":"Rod Griffin","startTime":1452.021,"endTime":1452.2,"body":"call"},{"speaker":"Rod Griffin","startTime":1452.201,"endTime":1452.5,"body":"thin"},{"speaker":"Rod Griffin","startTime":1452.501,"endTime":1452.83,"body":"credit"},{"speaker":"Rod Griffin","startTime":1452.831,"endTime":1453.34,"body":"files"},{"speaker":"Rod Griffin","startTime":1453.37,"endTime":1453.52,"body":"or"},{"speaker":"Rod Griffin","startTime":1453.55,"endTime":1453.76,"body":"very"},{"speaker":"Rod Griffin","startTime":1453.761,"endTime":1454.0,"body":"little"},{"speaker":"Rod Griffin","startTime":1454.001,"endTime":1454.3,"body":"credit"},{"speaker":"Rod Griffin","startTime":1454.301,"endTime":1454.81,"body":"history"},{"speaker":"Rod Griffin","startTime":1455.02,"endTime":1455.2,"body":"or"},{"speaker":"Rod Griffin","startTime":1455.201,"endTime":1455.53,"body":"short"},{"speaker":"Rod Griffin","startTime":1455.531,"endTime":1456.01,"body":"history,"},{"speaker":"Rod Griffin","startTime":1456.04,"endTime":1456.19,"body":"or"},{"speaker":"Rod Griffin","startTime":1456.191,"endTime":1456.28,"body":"have"},{"speaker":"Rod Griffin","startTime":1456.281,"endTime":1456.46,"body":"had"},{"speaker":"Rod Griffin","startTime":1456.461,"endTime":1456.61,"body":"some"},{"speaker":"Rod Griffin","startTime":1456.611,"endTime":1457.09,"body":"issues,"},{"speaker":"Rod Griffin","startTime":1457.48,"endTime":1457.75,"body":"by"},{"speaker":"Rod Griffin","startTime":1457.751,"endTime":1458.08,"body":"adding"},{"speaker":"Rod Griffin","startTime":1458.081,"endTime":1458.23,"body":"that"},{"speaker":"Rod Griffin","startTime":1458.231,"endTime":1459.01,"body":"information"},{"speaker":"Rod Griffin","startTime":1459.61,"endTime":1459.82,"body":"can"},{"speaker":"Rod Griffin","startTime":1459.821,"endTime":1460.12,"body":"show"},{"speaker":"Rod Griffin","startTime":1460.121,"endTime":1460.3,"body":"that"},{"speaker":"Rod Griffin","startTime":1460.301,"endTime":1460.42,"body":"they"},{"speaker":"Rod Griffin","startTime":1460.421,"endTime":1460.81,"body":"should"},{"speaker":"Rod Griffin","startTime":1460.811,"endTime":1461.05,"body":"be"},{"speaker":"Rod Griffin","startTime":1461.051,"endTime":1461.29,"body":"able"},{"speaker":"Rod Griffin","startTime":1461.291,"endTime":1461.41,"body":"to"},{"speaker":"Rod Griffin","startTime":1461.411,"endTime":1461.98,"body":"qualify"},{"speaker":"Rod Griffin","startTime":1461.981,"endTime":1462.13,"body":"for"},{"speaker":"Rod Griffin","startTime":1462.131,"endTime":1462.4,"body":"credit"},{"speaker":"Rod Griffin","startTime":1462.401,"endTime":1462.49,"body":"or"},{"speaker":"Rod Griffin","startTime":1462.491,"endTime":1462.67,"body":"have"},{"speaker":"Rod Griffin","startTime":1462.671,"endTime":1462.97,"body":"better"},{"speaker":"Rod Griffin","startTime":1462.971,"endTime":1463.36,"body":"scores"},{"speaker":"Rod Griffin","startTime":1463.361,"endTime":1463.48,"body":"than"},{"speaker":"Rod Griffin","startTime":1463.481,"endTime":1463.6,"body":"they"},{"speaker":"Rod Griffin","startTime":1463.601,"endTime":1464.11,"body":"do,"},{"speaker":"Rod Griffin","startTime":1464.65,"endTime":1464.86,"body":"even"},{"speaker":"Rod Griffin","startTime":1464.861,"endTime":1464.98,"body":"though"},{"speaker":"Rod Griffin","startTime":1464.981,"endTime":1465.13,"body":"they've"},{"speaker":"Rod Griffin","startTime":1465.131,"endTime":1465.28,"body":"had"},{"speaker":"Rod Griffin","startTime":1465.281,"endTime":1465.4,"body":"some"},{"speaker":"Rod Griffin","startTime":1465.401,"endTime":1465.82,"body":"issues."},{"speaker":"Rod Griffin","startTime":1466.09,"endTime":1466.48,"body":"And,"},{"speaker":"Rod Griffin","startTime":1467.08,"endTime":1467.2,"body":"you"},{"speaker":"Rod Griffin","startTime":1467.201,"endTime":1467.26,"body":"know,"},{"speaker":"Rod Griffin","startTime":1467.261,"endTime":1467.41,"body":"we"},{"speaker":"Rod Griffin","startTime":1467.411,"endTime":1467.65,"body":"think"},{"speaker":"Rod Griffin","startTime":1467.651,"endTime":1467.86,"body":"that's"},{"speaker":"Rod Griffin","startTime":1467.861,"endTime":1468.22,"body":"really"},{"speaker":"Rod Griffin","startTime":1468.221,"endTime":1468.79,"body":"important"},{"speaker":"Rod Griffin","startTime":1468.791,"endTime":1469.12,"body":"because"},{"speaker":"Rod Griffin","startTime":1469.121,"endTime":1469.21,"body":"it"},{"speaker":"Rod Griffin","startTime":1469.211,"endTime":1469.6,"body":"helps"},{"speaker":"Rod Griffin","startTime":1469.601,"endTime":1470.02,"body":"people"},{"speaker":"Rod Griffin","startTime":1470.021,"endTime":1470.11,"body":"who"},{"speaker":"Rod Griffin","startTime":1470.111,"endTime":1470.38,"body":"have"},{"speaker":"Rod Griffin","startTime":1470.68,"endTime":1471.43,"body":"traditionally"},{"speaker":"Rod Griffin","startTime":1471.431,"endTime":1471.88,"body":"been"},{"speaker":"Rod Griffin","startTime":1472.15,"endTime":1472.84,"body":"outside"},{"speaker":"Rod Griffin","startTime":1472.841,"endTime":1472.93,"body":"of"},{"speaker":"Rod Griffin","startTime":1472.931,"endTime":1473.02,"body":"the"},{"speaker":"Rod Griffin","startTime":1473.021,"endTime":1473.59,"body":"traditional"},{"speaker":"Rod Griffin","startTime":1473.591,"endTime":1473.98,"body":"credit"},{"speaker":"Rod Griffin","startTime":1474.01,"endTime":1474.67,"body":"system"},{"speaker":"Rod Griffin","startTime":1474.671,"endTime":1474.79,"body":"or"},{"speaker":"Rod Griffin","startTime":1474.791,"endTime":1475.21,"body":"banking"},{"speaker":"Rod Griffin","startTime":1475.211,"endTime":1475.66,"body":"system."},{"speaker":"Rod Griffin","startTime":1475.661,"endTime":1475.75,"body":"And"},{"speaker":"Rod Griffin","startTime":1475.751,"endTime":1475.84,"body":"it"},{"speaker":"Rod Griffin","startTime":1475.841,"endTime":1476.14,"body":"helps"},{"speaker":"Rod Griffin","startTime":1476.141,"endTime":1476.32,"body":"us"},{"speaker":"Rod Griffin","startTime":1476.321,"endTime":1476.8,"body":"bring"},{"speaker":"Rod Griffin","startTime":1476.801,"endTime":1477.01,"body":"those"},{"speaker":"Rod Griffin","startTime":1477.011,"endTime":1477.34,"body":"people"},{"speaker":"Rod Griffin","startTime":1477.341,"endTime":1477.67,"body":"in"},{"speaker":"Rod Griffin","startTime":1477.671,"endTime":1477.82,"body":"so"},{"speaker":"Rod Griffin","startTime":1477.821,"endTime":1478.03,"body":"that"},{"speaker":"Rod Griffin","startTime":1478.031,"endTime":1478.18,"body":"they"},{"speaker":"Rod Griffin","startTime":1478.181,"endTime":1478.39,"body":"can"},{"speaker":"Rod Griffin","startTime":1478.391,"endTime":1478.72,"body":"get"},{"speaker":"Rod Griffin","startTime":1479.14,"endTime":1479.44,"body":"better"},{"speaker":"Rod Griffin","startTime":1479.441,"endTime":1480.16,"body":"services,"},{"speaker":"Rod Griffin","startTime":1480.161,"endTime":1480.49,"body":"lower"},{"speaker":"Rod Griffin","startTime":1480.491,"endTime":1480.85,"body":"cost"},{"speaker":"Rod Griffin","startTime":1480.851,"endTime":1481.48,"body":"services"},{"speaker":"Rod Griffin","startTime":1481.84,"endTime":1482.02,"body":"can"},{"speaker":"Rod Griffin","startTime":1482.021,"endTime":1482.32,"body":"break"},{"speaker":"Rod Griffin","startTime":1482.321,"endTime":1482.89,"body":"cycles"},{"speaker":"Rod Griffin","startTime":1482.891,"endTime":1482.98,"body":"of"},{"speaker":"Rod Griffin","startTime":1482.981,"endTime":1483.55,"body":"predatory"},{"speaker":"Rod Griffin","startTime":1483.551,"endTime":1484.09,"body":"lending"},{"speaker":"Rod Griffin","startTime":1484.51,"endTime":1484.72,"body":"and"},{"speaker":"Rod Griffin","startTime":1484.721,"endTime":1484.93,"body":"help"},{"speaker":"Rod Griffin","startTime":1484.931,"endTime":1485.2,"body":"people"},{"speaker":"Rod Griffin","startTime":1485.201,"endTime":1485.32,"body":"be"},{"speaker":"Rod Griffin","startTime":1485.321,"endTime":1485.53,"body":"more"},{"speaker":"Rod Griffin","startTime":1485.531,"endTime":1486.04,"body":"financially"},{"speaker":"Rod Griffin","startTime":1486.041,"endTime":1486.61,"body":"successful."},{"speaker":"Rod Griffin","startTime":1486.611,"endTime":1486.73,"body":"And"},{"speaker":"Rod Griffin","startTime":1486.731,"endTime":1486.88,"body":"that's"},{"speaker":"Rod Griffin","startTime":1486.881,"endTime":1487.0,"body":"what"},{"speaker":"Rod Griffin","startTime":1487.001,"endTime":1487.27,"body":"boost"},{"speaker":"Rod Griffin","startTime":1487.271,"endTime":1487.39,"body":"is"},{"speaker":"Rod Griffin","startTime":1487.391,"endTime":1487.57,"body":"all"},{"speaker":"Rod Griffin","startTime":1487.571,"endTime":1487.93,"body":"about."},{"speaker":"Rod Griffin","startTime":1488.2,"endTime":1488.47,"body":"And"},{"speaker":"Rod Griffin","startTime":1488.53,"endTime":1488.71,"body":"you"},{"speaker":"Rod Griffin","startTime":1488.711,"endTime":1488.83,"body":"can"},{"speaker":"Rod Griffin","startTime":1488.831,"endTime":1488.98,"body":"go"},{"speaker":"Rod Griffin","startTime":1488.981,"endTime":1489.07,"body":"to"},{"speaker":"Rod Griffin","startTime":1489.071,"endTime":1491.02,"body":"experian.com/boost"},{"speaker":"Rod Griffin","startTime":1491.08,"endTime":1491.23,"body":"and"},{"speaker":"Rod Griffin","startTime":1491.231,"endTime":1491.41,"body":"learn"},{"speaker":"Rod Griffin","startTime":1491.411,"endTime":1491.53,"body":"all"},{"speaker":"Rod Griffin","startTime":1491.531,"endTime":1491.77,"body":"about"},{"speaker":"Rod Griffin","startTime":1491.771,"endTime":1491.86,"body":"it."},{"speaker":"Dr. Mary Bell Carlson","startTime":1492.3,"endTime":1492.63,"body":"Thank"},{"speaker":"Dr. Mary Bell Carlson","startTime":1492.631,"endTime":1492.87,"body":"you."},{"speaker":"Dr. Mary Bell Carlson","startTime":1492.871,"endTime":1493.08,"body":"And"},{"speaker":"Dr. Mary Bell Carlson","startTime":1493.081,"endTime":1493.26,"body":"these"},{"speaker":"Dr. Mary Bell Carlson","startTime":1493.261,"endTime":1493.38,"body":"are"},{"speaker":"Dr. Mary Bell Carlson","startTime":1493.381,"endTime":1493.65,"body":"all"},{"speaker":"Dr. Mary Bell Carlson","startTime":1493.651,"endTime":1493.89,"body":"new"},{"speaker":"Dr. Mary Bell Carlson","startTime":1493.891,"endTime":1494.4,"body":"features"},{"speaker":"Dr. Mary Bell Carlson","startTime":1494.401,"endTime":1494.55,"body":"that"},{"speaker":"Dr. Mary Bell Carlson","startTime":1494.551,"endTime":1494.61,"body":"have"},{"speaker":"Dr. Mary Bell Carlson","startTime":1494.611,"endTime":1494.79,"body":"been"},{"speaker":"Dr. Mary Bell Carlson","startTime":1494.791,"endTime":1495.33,"body":"recently"},{"speaker":"Dr. Mary Bell Carlson","startTime":1495.36,"endTime":1495.78,"body":"added"},{"speaker":"Dr. Mary Bell Carlson","startTime":1495.781,"endTime":1495.93,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":1495.931,"endTime":1495.99,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":1495.991,"endTime":1496.32,"body":"credit"},{"speaker":"Dr. Mary Bell Carlson","startTime":1496.321,"endTime":1496.71,"body":"report,"},{"speaker":"Dr. Mary Bell Carlson","startTime":1496.711,"endTime":1497.1,"body":"correct?"},{"speaker":"Rod Griffin","startTime":1497.31,"endTime":1497.73,"body":"Correct."},{"speaker":"Rod Griffin","startTime":1497.76,"endTime":1497.97,"body":"Two"},{"speaker":"Rod Griffin","startTime":1498.241,"endTime":1498.63,"body":"years."},{"speaker":"Rod Griffin","startTime":1498.96,"endTime":1499.05,"body":"So"},{"speaker":"Rod Griffin","startTime":1499.261,"endTime":1499.32,"body":"it"},{"speaker":"Rod Griffin","startTime":1499.321,"endTime":1499.41,"body":"was"},{"speaker":"Rod Griffin","startTime":1499.411,"endTime":1499.53,"body":"two"},{"speaker":"Rod Griffin","startTime":1499.531,"endTime":1499.77,"body":"years"},{"speaker":"Rod Griffin","startTime":1499.771,"endTime":1499.98,"body":"ago"},{"speaker":"Rod Griffin","startTime":1499.981,"endTime":1500.13,"body":"that"},{"speaker":"Rod Griffin","startTime":1500.131,"endTime":1500.22,"body":"we"},{"speaker":"Rod Griffin","startTime":1500.221,"endTime":1500.67,"body":"introduced"},{"speaker":"Rod Griffin","startTime":1500.671,"endTime":1501.09,"body":"Experian"},{"speaker":"Rod Griffin","startTime":1501.091,"endTime":1501.45,"body":"Boost"},{"speaker":"Rod Griffin","startTime":1501.84,"endTime":1502.11,"body":"and"},{"speaker":"Rod Griffin","startTime":1502.35,"endTime":1502.35,"body":"there've"},{"speaker":"Rod Griffin","startTime":1502.351,"endTime":1502.5,"body":"been"},{"speaker":"Rod Griffin","startTime":1502.501,"endTime":1502.68,"body":"more"},{"speaker":"Rod Griffin","startTime":1502.681,"endTime":1502.83,"body":"than"},{"speaker":"Rod Griffin","startTime":1502.831,"endTime":1503.55,"body":"50"},{"speaker":"Rod Griffin","startTime":1503.55,"endTime":1503.55,"body":"million"},{"speaker":"Rod Griffin","startTime":1503.551,"endTime":1503.91,"body":"scores"},{"speaker":"Rod Griffin","startTime":1503.911,"endTime":1504.36,"body":"boosted"},{"speaker":"Rod Griffin","startTime":1504.361,"endTime":1504.51,"body":"in"},{"speaker":"Rod Griffin","startTime":1504.511,"endTime":1504.57,"body":"the"},{"speaker":"Rod Griffin","startTime":1504.571,"endTime":1504.87,"body":"last"},{"speaker":"Rod Griffin","startTime":1504.871,"endTime":1504.99,"body":"two"},{"speaker":"Rod Griffin","startTime":1504.991,"endTime":1505.32,"body":"years."},{"speaker":"Dr. Mary Bell Carlson","startTime":1505.56,"endTime":1505.8,"body":"And"},{"speaker":"Dr. Mary Bell Carlson","startTime":1505.801,"endTime":1505.95,"body":"is"},{"speaker":"Dr. Mary Bell Carlson","startTime":1505.951,"endTime":1506.25,"body":"this"},{"speaker":"Dr. Mary Bell Carlson","startTime":1506.251,"endTime":1506.61,"body":"true"},{"speaker":"Dr. Mary Bell Carlson","startTime":1506.611,"endTime":1507.12,"body":"across"},{"speaker":"Dr. Mary Bell Carlson","startTime":1507.121,"endTime":1507.51,"body":"all"},{"speaker":"Dr. Mary Bell Carlson","startTime":1507.511,"endTime":1508.08,"body":"three"},{"speaker":"Dr. Mary Bell Carlson","startTime":1508.14,"endTime":1508.35,"body":"of"},{"speaker":"Dr. Mary Bell Carlson","startTime":1508.351,"endTime":1508.53,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":1508.531,"endTime":1508.86,"body":"credit"},{"speaker":"Dr. Mary Bell Carlson","startTime":1509.1,"endTime":1509.1,"body":"Bureau"},{"speaker":"Dr. Mary Bell Carlson","startTime":1509.1,"endTime":1509.1,"body":"?"},{"speaker":"Rod Griffin","startTime":1509.76,"endTime":1510.42,"body":"No."},{"speaker":"Rod Griffin","startTime":1510.45,"endTime":1510.84,"body":"Boost"},{"speaker":"Rod Griffin","startTime":1510.87,"endTime":1511.2,"body":"is"},{"speaker":"Rod Griffin","startTime":1511.26,"endTime":1511.65,"body":"only"},{"speaker":"Rod Griffin","startTime":1511.651,"endTime":1511.74,"body":"an"},{"speaker":"Rod Griffin","startTime":1511.741,"endTime":1512.25,"body":"experienced"},{"speaker":"Rod Griffin","startTime":1512.251,"endTime":1512.76,"body":"service."},{"speaker":"Rod Griffin","startTime":1513.24,"endTime":1513.39,"body":"So"},{"speaker":"Rod Griffin","startTime":1513.691,"endTime":1513.84,"body":"you"},{"speaker":"Rod Griffin","startTime":1513.841,"endTime":1513.96,"body":"would"},{"speaker":"Rod Griffin","startTime":1513.961,"endTime":1514.14,"body":"only"},{"speaker":"Rod Griffin","startTime":1514.141,"endTime":1514.32,"body":"see"},{"speaker":"Rod Griffin","startTime":1514.321,"endTime":1514.41,"body":"it"},{"speaker":"Rod Griffin","startTime":1514.411,"endTime":1514.5,"body":"in"},{"speaker":"Rod Griffin","startTime":1514.501,"endTime":1514.59,"body":"your"},{"speaker":"Rod Griffin","startTime":1514.591,"endTime":1515.07,"body":"Experian"},{"speaker":"Rod Griffin","startTime":1515.071,"endTime":1515.31,"body":"credit"},{"speaker":"Rod Griffin","startTime":1515.311,"endTime":1515.64,"body":"report"},{"speaker":"Rod Griffin","startTime":1515.641,"endTime":1515.73,"body":"at"},{"speaker":"Rod Griffin","startTime":1515.731,"endTime":1515.91,"body":"this"},{"speaker":"Rod Griffin","startTime":1515.911,"endTime":1516.24,"body":"time,"},{"speaker":"Dr. Mary Bell Carlson","startTime":1516.66,"endTime":1516.96,"body":"Rod,"},{"speaker":"Dr. Mary Bell Carlson","startTime":1516.961,"endTime":1517.2,"body":"we've"},{"speaker":"Dr. Mary Bell Carlson","startTime":1517.201,"endTime":1517.47,"body":"done"},{"speaker":"Dr. Mary Bell Carlson","startTime":1517.471,"endTime":1517.65,"body":"some"},{"speaker":"Dr. Mary Bell Carlson","startTime":1517.651,"endTime":1517.98,"body":"recent"},{"speaker":"Dr. Mary Bell Carlson","startTime":1517.981,"endTime":1518.55,"body":"episodes"},{"speaker":"Dr. Mary Bell Carlson","startTime":1518.551,"endTime":1518.91,"body":"on"},{"speaker":"Dr. Mary Bell Carlson","startTime":1518.911,"endTime":1519.63,"body":"identity"},{"speaker":"Dr. Mary Bell Carlson","startTime":1519.631,"endTime":1520.05,"body":"theft"},{"speaker":"Dr. Mary Bell Carlson","startTime":1520.051,"endTime":1520.17,"body":"and"},{"speaker":"Dr. Mary Bell Carlson","startTime":1520.171,"endTime":1520.68,"body":"identity"},{"speaker":"Dr. Mary Bell Carlson","startTime":1520.71,"endTime":1521.01,"body":"theft,"},{"speaker":"Dr. Mary Bell Carlson","startTime":1521.011,"endTime":1521.07,"body":"as"},{"speaker":"Dr. Mary Bell Carlson","startTime":1521.071,"endTime":1521.19,"body":"you"},{"speaker":"Dr. Mary Bell Carlson","startTime":1521.191,"endTime":1521.37,"body":"know,"},{"speaker":"Dr. Mary Bell Carlson","startTime":1521.371,"endTime":1521.55,"body":"is"},{"speaker":"Dr. Mary Bell Carlson","startTime":1521.551,"endTime":1521.82,"body":"just"},{"speaker":"Dr. Mary Bell Carlson","startTime":1521.821,"endTime":1521.88,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":1521.881,"endTime":1522.36,"body":"growing"},{"speaker":"Dr. Mary Bell Carlson","startTime":1522.361,"endTime":1522.99,"body":"crime"},{"speaker":"Dr. Mary Bell Carlson","startTime":1523.02,"endTime":1523.23,"body":"that"},{"speaker":"Dr. Mary Bell Carlson","startTime":1523.231,"endTime":1523.71,"body":"many"},{"speaker":"Dr. Mary Bell Carlson","startTime":1523.711,"endTime":1524.01,"body":"have"},{"speaker":"Dr. Mary Bell Carlson","startTime":1524.011,"endTime":1524.43,"body":"become"},{"speaker":"Dr. Mary Bell Carlson","startTime":1524.431,"endTime":1524.94,"body":"victims"},{"speaker":"Dr. Mary Bell Carlson","startTime":1524.941,"endTime":1525.12,"body":"or"},{"speaker":"Dr. Mary Bell Carlson","startTime":1525.121,"endTime":1525.36,"body":"will"},{"speaker":"Dr. Mary Bell Carlson","startTime":1525.361,"endTime":1525.72,"body":"become"},{"speaker":"Dr. Mary Bell Carlson","startTime":1525.721,"endTime":1526.17,"body":"victims"},{"speaker":"Dr. Mary Bell Carlson","startTime":1526.171,"endTime":1526.47,"body":"of."},{"speaker":"Dr. Mary Bell Carlson","startTime":1526.77,"endTime":1527.01,"body":"We've"},{"speaker":"Dr. Mary Bell Carlson","startTime":1527.011,"endTime":1527.25,"body":"heard"},{"speaker":"Dr. Mary Bell Carlson","startTime":1527.251,"endTime":1527.31,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":1527.311,"endTime":1527.64,"body":"lot"},{"speaker":"Dr. Mary Bell Carlson","startTime":1527.641,"endTime":1528.0,"body":"about"},{"speaker":"Dr. Mary Bell Carlson","startTime":1528.001,"endTime":1528.57,"body":"credit"},{"speaker":"Dr. Mary Bell Carlson","startTime":1528.6,"endTime":1529.5,"body":"freezes."},{"speaker":"Dr. Mary Bell Carlson","startTime":1529.56,"endTime":1529.83,"body":"Could"},{"speaker":"Dr. Mary Bell Carlson","startTime":1529.831,"endTime":1529.98,"body":"you"},{"speaker":"Dr. Mary Bell Carlson","startTime":1529.981,"endTime":1530.4,"body":"tell"},{"speaker":"Dr. Mary Bell Carlson","startTime":1530.401,"endTime":1530.58,"body":"us"},{"speaker":"Dr. Mary Bell Carlson","startTime":1530.581,"endTime":1530.97,"body":"more"},{"speaker":"Dr. Mary Bell Carlson","startTime":1530.971,"endTime":1531.45,"body":"about"},{"speaker":"Dr. Mary Bell Carlson","startTime":1531.48,"endTime":1531.72,"body":"how"},{"speaker":"Dr. Mary Bell Carlson","startTime":1531.721,"endTime":1531.78,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":1531.781,"endTime":1532.2,"body":"consumer"},{"speaker":"Dr. Mary Bell Carlson","startTime":1532.201,"endTime":1532.35,"body":"could"},{"speaker":"Dr. Mary Bell Carlson","startTime":1532.351,"endTime":1532.56,"body":"help"},{"speaker":"Dr. Mary Bell Carlson","startTime":1532.561,"endTime":1533.34,"body":"themselves"},{"speaker":"Dr. Mary Bell Carlson","startTime":1533.52,"endTime":1533.82,"body":"when"},{"speaker":"Dr. Mary Bell Carlson","startTime":1533.821,"endTime":1534.03,"body":"they've"},{"speaker":"Dr. Mary Bell Carlson","startTime":1534.031,"endTime":1534.24,"body":"been"},{"speaker":"Dr. Mary Bell Carlson","startTime":1534.241,"endTime":1534.27,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":1534.271,"endTime":1534.57,"body":"victim"},{"speaker":"Dr. Mary Bell Carlson","startTime":1534.571,"endTime":1534.69,"body":"of"},{"speaker":"Dr. Mary Bell Carlson","startTime":1534.691,"endTime":1535.17,"body":"identity"},{"speaker":"Dr. Mary Bell Carlson","startTime":1535.171,"endTime":1535.53,"body":"theft"},{"speaker":"Dr. Mary Bell Carlson","startTime":1535.531,"endTime":1535.62,"body":"and"},{"speaker":"Dr. Mary Bell Carlson","startTime":1535.621,"endTime":1535.77,"body":"what"},{"speaker":"Dr. Mary Bell Carlson","startTime":1535.771,"endTime":1535.83,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":1535.831,"endTime":1536.13,"body":"credit"},{"speaker":"Dr. Mary Bell Carlson","startTime":1536.131,"endTime":1536.73,"body":"freeze"},{"speaker":"Dr. Mary Bell Carlson","startTime":1536.82,"endTime":1537.0,"body":"or"},{"speaker":"Dr. Mary Bell Carlson","startTime":1537.001,"endTime":1537.45,"body":"other"},{"speaker":"Dr. Mary Bell Carlson","startTime":1537.48,"endTime":1537.84,"body":"credit"},{"speaker":"Dr. Mary Bell Carlson","startTime":1537.841,"endTime":1538.44,"body":"reporting"},{"speaker":"Dr. Mary Bell Carlson","startTime":1538.62,"endTime":1539.07,"body":"information"},{"speaker":"Dr. Mary Bell Carlson","startTime":1538.62,"endTime":1539.07,"body":"is."},{"speaker":"Rod Griffin","startTime":1539.25,"endTime":1539.64,"body":"Fraud"},{"speaker":"Rod Griffin","startTime":1539.641,"endTime":1539.73,"body":"and"},{"speaker":"Rod Griffin","startTime":1539.731,"endTime":1540.03,"body":"identity"},{"speaker":"Rod Griffin","startTime":1540.031,"endTime":1540.3,"body":"theft"},{"speaker":"Rod Griffin","startTime":1540.301,"endTime":1540.42,"body":"are"},{"speaker":"Rod Griffin","startTime":1540.421,"endTime":1540.6,"body":"a"},{"speaker":"Rod Griffin","startTime":1540.6,"endTime":1540.6,"body":","},{"speaker":"Rod Griffin","startTime":1540.75,"endTime":1540.81,"body":"a"},{"speaker":"Rod Griffin","startTime":1540.811,"endTime":1541.29,"body":"huge"},{"speaker":"Rod Griffin","startTime":1541.291,"endTime":1541.65,"body":"issue."},{"speaker":"Rod Griffin","startTime":1541.651,"endTime":1541.77,"body":"And"},{"speaker":"Rod Griffin","startTime":1541.771,"endTime":1541.89,"body":"we've"},{"speaker":"Rod Griffin","startTime":1541.891,"endTime":1542.31,"body":"seen"},{"speaker":"Rod Griffin","startTime":1542.31,"endTime":1542.31,"body":","},{"speaker":"Rod Griffin","startTime":1543.24,"endTime":1543.39,"body":"sadly"},{"speaker":"Rod Griffin","startTime":1543.871,"endTime":1544.23,"body":"during"},{"speaker":"Rod Griffin","startTime":1544.56,"endTime":1544.56,"body":"the"},{"speaker":"Rod Griffin","startTime":1545.43,"endTime":1545.43,"body":"COVID"},{"speaker":"Rod Griffin","startTime":1545.73,"endTime":1546.06,"body":"when"},{"speaker":"Rod Griffin","startTime":1546.48,"endTime":1546.81,"body":"people"},{"speaker":"Rod Griffin","startTime":1546.811,"endTime":1546.9,"body":"are"},{"speaker":"Rod Griffin","startTime":1546.901,"endTime":1547.14,"body":"under"},{"speaker":"Rod Griffin","startTime":1547.141,"endTime":1547.74,"body":"stress"},{"speaker":"Rod Griffin","startTime":1547.8,"endTime":1548.22,"body":"and"},{"speaker":"Rod Griffin","startTime":1548.49,"endTime":1548.91,"body":"looking"},{"speaker":"Rod Griffin","startTime":1548.911,"endTime":1549.09,"body":"for"},{"speaker":"Rod Griffin","startTime":1549.091,"endTime":1549.39,"body":"help,"},{"speaker":"Rod Griffin","startTime":1549.42,"endTime":1549.57,"body":"the"},{"speaker":"Rod Griffin","startTime":1549.571,"endTime":1549.84,"body":"bad"},{"speaker":"Rod Griffin","startTime":1549.841,"endTime":1550.14,"body":"guys"},{"speaker":"Rod Griffin","startTime":1550.141,"endTime":1550.29,"body":"come"},{"speaker":"Rod Griffin","startTime":1550.291,"endTime":1550.5,"body":"out"},{"speaker":"Rod Griffin","startTime":1550.501,"endTime":1550.8,"body":"too."},{"speaker":"Rod Griffin","startTime":1550.801,"endTime":1550.95,"body":"And"},{"speaker":"Rod Griffin","startTime":1550.951,"endTime":1551.13,"body":"so"},{"speaker":"Rod Griffin","startTime":1551.131,"endTime":1551.43,"body":"there's"},{"speaker":"Rod Griffin","startTime":1551.431,"endTime":1551.52,"body":"a"},{"speaker":"Rod Griffin","startTime":1551.521,"endTime":1551.79,"body":"lot"},{"speaker":"Rod Griffin","startTime":1551.791,"endTime":1552.03,"body":"going"},{"speaker":"Rod Griffin","startTime":1552.031,"endTime":1552.27,"body":"on"},{"speaker":"Rod Griffin","startTime":1552.271,"endTime":1552.54,"body":"with"},{"speaker":"Rod Griffin","startTime":1552.54,"endTime":1552.54,"body":","},{"speaker":"Rod Griffin","startTime":1553.43,"endTime":1553.89,"body":"attempts"},{"speaker":"Rod Griffin","startTime":1553.891,"endTime":1554.13,"body":"to"},{"speaker":"Rod Griffin","startTime":1554.131,"endTime":1554.61,"body":"defraud"},{"speaker":"Rod Griffin","startTime":1554.611,"endTime":1555.12,"body":"people."},{"speaker":"Rod Griffin","startTime":1555.87,"endTime":1556.17,"body":"So"},{"speaker":"Rod Griffin","startTime":1556.171,"endTime":1556.32,"body":"we"},{"speaker":"Rod Griffin","startTime":1556.321,"endTime":1556.62,"body":"want"},{"speaker":"Rod Griffin","startTime":1556.621,"endTime":1556.68,"body":"to"},{"speaker":"Rod Griffin","startTime":1556.681,"endTime":1556.95,"body":"help"},{"speaker":"Rod Griffin","startTime":1557.25,"endTime":1557.7,"body":"protect"},{"speaker":"Rod Griffin","startTime":1557.701,"endTime":1558.06,"body":"them."},{"speaker":"Rod Griffin","startTime":1558.33,"endTime":1558.57,"body":"From"},{"speaker":"Rod Griffin","startTime":1558.571,"endTime":1558.63,"body":"a"},{"speaker":"Rod Griffin","startTime":1558.631,"endTime":1559.02,"body":"credit"},{"speaker":"Rod Griffin","startTime":1559.021,"endTime":1559.35,"body":"reporting"},{"speaker":"Rod Griffin","startTime":1559.021,"endTime":1559.35,"body":"standpoint,"},{"speaker":"Rod Griffin","startTime":1559.351,"endTime":1560.13,"body":"there"},{"speaker":"Rod Griffin","startTime":1560.581,"endTime":1560.61,"body":"are"},{"speaker":"Rod Griffin","startTime":1560.611,"endTime":1560.64,"body":"a"},{"speaker":"Rod Griffin","startTime":1560.641,"endTime":1560.97,"body":"number"},{"speaker":"Rod Griffin","startTime":1560.971,"endTime":1561.06,"body":"of"},{"speaker":"Rod Griffin","startTime":1561.061,"endTime":1561.3,"body":"things"},{"speaker":"Rod Griffin","startTime":1561.301,"endTime":1561.39,"body":"you"},{"speaker":"Rod Griffin","startTime":1561.391,"endTime":1561.63,"body":"should"},{"speaker":"Rod Griffin","startTime":1561.631,"endTime":1561.96,"body":"do."},{"speaker":"Rod Griffin","startTime":1561.961,"endTime":1562.14,"body":"If"},{"speaker":"Rod Griffin","startTime":1562.141,"endTime":1562.26,"body":"you"},{"speaker":"Rod Griffin","startTime":1562.261,"endTime":1562.71,"body":"believe"},{"speaker":"Rod Griffin","startTime":1562.711,"endTime":1562.89,"body":"you're"},{"speaker":"Rod Griffin","startTime":1562.891,"endTime":1562.92,"body":"a"},{"speaker":"Rod Griffin","startTime":1562.921,"endTime":1563.25,"body":"victim"},{"speaker":"Rod Griffin","startTime":1563.251,"endTime":1563.34,"body":"of"},{"speaker":"Rod Griffin","startTime":1563.341,"endTime":1563.91,"body":"identity"},{"speaker":"Rod Griffin","startTime":1563.341,"endTime":1563.91,"body":"theft,"},{"speaker":"Rod Griffin","startTime":1563.911,"endTime":1564.24,"body":"first,"},{"speaker":"Rod Griffin","startTime":1565.35,"endTime":1565.47,"body":"you"},{"speaker":"Rod Griffin","startTime":1565.471,"endTime":1565.62,"body":"can"},{"speaker":"Rod Griffin","startTime":1565.621,"endTime":1565.74,"body":"go"},{"speaker":"Rod Griffin","startTime":1565.741,"endTime":1565.83,"body":"to"},{"speaker":"Rod Griffin","startTime":1565.831,"endTime":1567.54,"body":"experian.com/fraud"},{"speaker":"Rod Griffin","startTime":1567.541,"endTime":1567.72,"body":"and"},{"speaker":"Rod Griffin","startTime":1567.721,"endTime":1568.14,"body":"have"},{"speaker":"Rod Griffin","startTime":1568.17,"endTime":1568.32,"body":"what"},{"speaker":"Rod Griffin","startTime":1568.321,"endTime":1568.41,"body":"we"},{"speaker":"Rod Griffin","startTime":1568.411,"endTime":1568.65,"body":"call"},{"speaker":"Rod Griffin","startTime":1568.651,"endTime":1568.77,"body":"an"},{"speaker":"Rod Griffin","startTime":1568.771,"endTime":1569.19,"body":"initial"},{"speaker":"Rod Griffin","startTime":1569.191,"endTime":1569.67,"body":"security"},{"speaker":"Rod Griffin","startTime":1569.671,"endTime":1569.94,"body":"alert"},{"speaker":"Rod Griffin","startTime":1569.941,"endTime":1570.21,"body":"added"},{"speaker":"Rod Griffin","startTime":1570.211,"endTime":1570.39,"body":"it's"},{"speaker":"Rod Griffin","startTime":1570.391,"endTime":1570.84,"body":"free."},{"speaker":"Rod Griffin","startTime":1571.56,"endTime":1571.77,"body":"It"},{"speaker":"Rod Griffin","startTime":1571.771,"endTime":1572.1,"body":"says"},{"speaker":"Rod Griffin","startTime":1572.101,"endTime":1572.19,"body":"I"},{"speaker":"Rod Griffin","startTime":1572.191,"endTime":1572.4,"body":"may"},{"speaker":"Rod Griffin","startTime":1572.401,"endTime":1572.55,"body":"be"},{"speaker":"Rod Griffin","startTime":1572.551,"endTime":1572.61,"body":"a"},{"speaker":"Rod Griffin","startTime":1572.611,"endTime":1572.94,"body":"victim"},{"speaker":"Rod Griffin","startTime":1572.941,"endTime":1573.03,"body":"of"},{"speaker":"Rod Griffin","startTime":1573.031,"endTime":1573.54,"body":"identity"},{"speaker":"Rod Griffin","startTime":1573.541,"endTime":1573.84,"body":"theft"},{"speaker":"Rod Griffin","startTime":1573.841,"endTime":1574.14,"body":"before"},{"speaker":"Rod Griffin","startTime":1574.141,"endTime":1574.47,"body":"granting"},{"speaker":"Rod Griffin","startTime":1574.141,"endTime":1574.47,"body":"credit"},{"speaker":"Rod Griffin","startTime":1574.141,"endTime":1574.47,"body":"in"},{"speaker":"Rod Griffin","startTime":1574.471,"endTime":1574.8,"body":"my"},{"speaker":"Rod Griffin","startTime":1574.921,"endTime":1575.28,"body":"name,"},{"speaker":"Rod Griffin","startTime":1575.79,"endTime":1576.3,"body":"please"},{"speaker":"Rod Griffin","startTime":1576.78,"endTime":1577.02,"body":"take"},{"speaker":"Rod Griffin","startTime":1577.021,"endTime":1577.38,"body":"additional"},{"speaker":"Rod Griffin","startTime":1577.381,"endTime":1577.68,"body":"steps"},{"speaker":"Rod Griffin","startTime":1577.681,"endTime":1577.8,"body":"to"},{"speaker":"Rod Griffin","startTime":1577.801,"endTime":1578.13,"body":"verify"},{"speaker":"Rod Griffin","startTime":1578.131,"endTime":1578.28,"body":"my"},{"speaker":"Rod Griffin","startTime":1578.281,"endTime":1578.64,"body":"identity"},{"speaker":"Rod Griffin","startTime":1578.641,"endTime":1578.79,"body":"or"},{"speaker":"Rod Griffin","startTime":1578.791,"endTime":1579.09,"body":"call"},{"speaker":"Rod Griffin","startTime":1579.091,"endTime":1579.36,"body":"me."},{"speaker":"Rod Griffin","startTime":1579.42,"endTime":1579.51,"body":"You"},{"speaker":"Rod Griffin","startTime":1579.511,"endTime":1579.66,"body":"can"},{"speaker":"Rod Griffin","startTime":1579.661,"endTime":1579.81,"body":"give"},{"speaker":"Rod Griffin","startTime":1579.811,"endTime":1579.96,"body":"us"},{"speaker":"Rod Griffin","startTime":1579.961,"endTime":1580.02,"body":"a"},{"speaker":"Rod Griffin","startTime":1580.021,"endTime":1580.5,"body":"telephone"},{"speaker":"Rod Griffin","startTime":1580.501,"endTime":1580.92,"body":"number."},{"speaker":"Rod Griffin","startTime":1581.79,"endTime":1581.97,"body":"We'll"},{"speaker":"Rod Griffin","startTime":1581.971,"endTime":1582.21,"body":"send"},{"speaker":"Rod Griffin","startTime":1582.211,"endTime":1582.3,"body":"you"},{"speaker":"Rod Griffin","startTime":1582.301,"endTime":1582.36,"body":"a"},{"speaker":"Rod Griffin","startTime":1582.361,"endTime":1582.54,"body":"free"},{"speaker":"Rod Griffin","startTime":1582.541,"endTime":1583.02,"body":"report."},{"speaker":"Rod Griffin","startTime":1583.05,"endTime":1583.23,"body":"When"},{"speaker":"Rod Griffin","startTime":1583.231,"endTime":1583.32,"body":"you"},{"speaker":"Rod Griffin","startTime":1583.321,"endTime":1583.59,"body":"have"},{"speaker":"Rod Griffin","startTime":1583.591,"endTime":1583.77,"body":"that"},{"speaker":"Rod Griffin","startTime":1583.771,"endTime":1584.31,"body":"report,"},{"speaker":"Rod Griffin","startTime":1584.64,"endTime":1584.79,"body":"if"},{"speaker":"Rod Griffin","startTime":1584.791,"endTime":1584.91,"body":"you"},{"speaker":"Rod Griffin","startTime":1584.911,"endTime":1585.51,"body":"find"},{"speaker":"Rod Griffin","startTime":1585.84,"endTime":1586.56,"body":"information"},{"speaker":"Rod Griffin","startTime":1586.561,"endTime":1586.71,"body":"that"},{"speaker":"Rod Griffin","startTime":1586.711,"endTime":1587.16,"body":"indicates"},{"speaker":"Rod Griffin","startTime":1587.31,"endTime":1587.31,"body":"you"},{"speaker":"Rod Griffin","startTime":1587.31,"endTime":1587.31,"body":","},{"speaker":"Rod Griffin","startTime":1587.34,"endTime":1587.58,"body":"you,"},{"speaker":"Rod Griffin","startTime":1587.64,"endTime":1587.79,"body":"you"},{"speaker":"Rod Griffin","startTime":1587.791,"endTime":1588.03,"body":"are"},{"speaker":"Rod Griffin","startTime":1588.031,"endTime":1588.09,"body":"a"},{"speaker":"Rod Griffin","startTime":1588.091,"endTime":1588.36,"body":"victim"},{"speaker":"Rod Griffin","startTime":1588.361,"endTime":1588.45,"body":"or"},{"speaker":"Rod Griffin","startTime":1588.451,"endTime":1588.57,"body":"you"},{"speaker":"Rod Griffin","startTime":1588.571,"endTime":1588.78,"body":"know"},{"speaker":"Rod Griffin","startTime":1588.781,"endTime":1588.96,"body":"that"},{"speaker":"Rod Griffin","startTime":1588.961,"endTime":1589.05,"body":"you"},{"speaker":"Rod Griffin","startTime":1589.051,"endTime":1589.17,"body":"are"},{"speaker":"Rod Griffin","startTime":1589.171,"endTime":1589.23,"body":"a"},{"speaker":"Rod Griffin","startTime":1589.231,"endTime":1589.65,"body":"victim,"},{"speaker":"Rod Griffin","startTime":1590.67,"endTime":1590.91,"body":"we"},{"speaker":"Rod Griffin","startTime":1590.911,"endTime":1591.24,"body":"encourage"},{"speaker":"Rod Griffin","startTime":1591.241,"endTime":1591.33,"body":"you"},{"speaker":"Rod Griffin","startTime":1591.331,"endTime":1591.42,"body":"to"},{"speaker":"Rod Griffin","startTime":1591.421,"endTime":1591.69,"body":"file"},{"speaker":"Rod Griffin","startTime":1591.691,"endTime":1591.75,"body":"a"},{"speaker":"Rod Griffin","startTime":1591.751,"endTime":1592.02,"body":"police"},{"speaker":"Rod Griffin","startTime":1592.021,"endTime":1592.38,"body":"report,"},{"speaker":"Rod Griffin","startTime":1592.381,"endTime":1592.56,"body":"which"},{"speaker":"Rod Griffin","startTime":1592.561,"endTime":1592.77,"body":"I've"},{"speaker":"Rod Griffin","startTime":1592.771,"endTime":1593.13,"body":"actually"},{"speaker":"Rod Griffin","startTime":1593.131,"endTime":1593.37,"body":"had"},{"speaker":"Rod Griffin","startTime":1593.371,"endTime":1593.79,"body":"happened."},{"speaker":"Rod Griffin","startTime":1593.791,"endTime":1593.85,"body":"I"},{"speaker":"Rod Griffin","startTime":1593.851,"endTime":1594.03,"body":"was"},{"speaker":"Rod Griffin","startTime":1594.031,"endTime":1594.09,"body":"a"},{"speaker":"Rod Griffin","startTime":1594.091,"endTime":1594.42,"body":"victim"},{"speaker":"Rod Griffin","startTime":1594.421,"endTime":1594.63,"body":"of"},{"speaker":"Rod Griffin","startTime":1594.631,"endTime":1594.99,"body":"tax"},{"speaker":"Rod Griffin","startTime":1594.631,"endTime":1594.99,"body":"fraud"},{"speaker":"Rod Griffin","startTime":1594.99,"endTime":1594.99,"body":","},{"speaker":"Rod Griffin","startTime":1594.991,"endTime":1595.41,"body":"which"},{"speaker":"Rod Griffin","startTime":1596.341,"endTime":1596.46,"body":"had"},{"speaker":"Rod Griffin","startTime":1596.461,"endTime":1596.67,"body":"nothing"},{"speaker":"Rod Griffin","startTime":1596.671,"endTime":1596.73,"body":"to"},{"speaker":"Rod Griffin","startTime":1596.731,"endTime":1596.79,"body":"do"},{"speaker":"Rod Griffin","startTime":1596.791,"endTime":1596.88,"body":"with"},{"speaker":"Rod Griffin","startTime":1596.881,"endTime":1596.91,"body":"a"},{"speaker":"Rod Griffin","startTime":1596.92,"endTime":1597.15,"body":"credit"},{"speaker":"Rod Griffin","startTime":1597.151,"endTime":1597.54,"body":"report."},{"speaker":"Rod Griffin","startTime":1597.75,"endTime":1597.9,"body":"They,"},{"speaker":"Rod Griffin","startTime":1598.56,"endTime":1598.74,"body":"there"},{"speaker":"Rod Griffin","startTime":1598.741,"endTime":1598.89,"body":"was"},{"speaker":"Rod Griffin","startTime":1598.891,"endTime":1598.95,"body":"a"},{"speaker":"Rod Griffin","startTime":1598.951,"endTime":1599.4,"body":"breach"},{"speaker":"Rod Griffin","startTime":1599.55,"endTime":1599.67,"body":"at"},{"speaker":"Rod Griffin","startTime":1599.671,"endTime":1599.76,"body":"the"},{"speaker":"Rod Griffin","startTime":1599.761,"endTime":1600.33,"body":"IRS"},{"speaker":"Rod Griffin","startTime":1600.63,"endTime":1600.81,"body":"and"},{"speaker":"Rod Griffin","startTime":1600.811,"endTime":1600.87,"body":"I"},{"speaker":"Rod Griffin","startTime":1600.871,"endTime":1601.2,"body":"got"},{"speaker":"Rod Griffin","startTime":1601.29,"endTime":1601.5,"body":"a"},{"speaker":"Rod Griffin","startTime":1601.53,"endTime":1601.8,"body":"tax"},{"speaker":"Rod Griffin","startTime":1601.801,"endTime":1602.13,"body":"refund"},{"speaker":"Rod Griffin","startTime":1602.131,"endTime":1602.37,"body":"check"},{"speaker":"Rod Griffin","startTime":1602.371,"endTime":1602.52,"body":"of"},{"speaker":"Rod Griffin","startTime":1602.58,"endTime":1602.67,"body":"a"},{"speaker":"Rod Griffin","startTime":1602.671,"endTime":1602.82,"body":"few"},{"speaker":"Rod Griffin","startTime":1602.821,"endTime":1603.03,"body":"years"},{"speaker":"Rod Griffin","startTime":1603.23,"endTime":1603.38,"body":"for"},{"speaker":"Rod Griffin","startTime":1603.381,"endTime":1604.34,"body":"$6,000."},{"speaker":"Rod Griffin","startTime":1604.64,"endTime":1604.79,"body":"And"},{"speaker":"Rod Griffin","startTime":1604.791,"endTime":1604.91,"body":"I"},{"speaker":"Rod Griffin","startTime":1604.911,"endTime":1605.09,"body":"was"},{"speaker":"Rod Griffin","startTime":1605.091,"endTime":1605.42,"body":"really"},{"speaker":"Rod Griffin","startTime":1605.421,"endTime":1605.9,"body":"excited"},{"speaker":"Rod Griffin","startTime":1605.901,"endTime":1606.08,"body":"for"},{"speaker":"Rod Griffin","startTime":1606.081,"endTime":1606.29,"body":"about"},{"speaker":"Rod Griffin","startTime":1606.291,"endTime":1606.53,"body":"30"},{"speaker":"Rod Griffin","startTime":1606.531,"endTime":1606.83,"body":"seconds."},{"speaker":"Rod Griffin","startTime":1609.91,"endTime":1609.94,"body":"I"},{"speaker":"Rod Griffin","startTime":1609.941,"endTime":1610.18,"body":"haven't"},{"speaker":"Rod Griffin","startTime":1610.181,"endTime":1610.51,"body":"filed"},{"speaker":"Rod Griffin","startTime":1610.511,"endTime":1610.6,"body":"by"},{"speaker":"Rod Griffin","startTime":1610.601,"endTime":1610.99,"body":"returns"},{"speaker":"Rod Griffin","startTime":1610.991,"endTime":1611.17,"body":"yet."},{"speaker":"Rod Griffin","startTime":1611.171,"endTime":1611.53,"body":"Something's"},{"speaker":"Rod Griffin","startTime":1611.531,"endTime":1611.83,"body":"wrong."},{"speaker":"Rod Griffin","startTime":1612.01,"endTime":1612.31,"body":"So"},{"speaker":"Rod Griffin","startTime":1612.31,"endTime":1612.31,"body":","},{"speaker":"Rod Griffin","startTime":1614.2,"endTime":1614.38,"body":"and"},{"speaker":"Rod Griffin","startTime":1614.381,"endTime":1614.44,"body":"I"},{"speaker":"Rod Griffin","startTime":1614.441,"endTime":1614.62,"body":"went"},{"speaker":"Rod Griffin","startTime":1614.621,"endTime":1614.68,"body":"to"},{"speaker":"Rod Griffin","startTime":1614.681,"endTime":1614.8,"body":"my"},{"speaker":"Rod Griffin","startTime":1614.801,"endTime":1615.01,"body":"little"},{"speaker":"Rod Griffin","startTime":1615.011,"endTime":1615.28,"body":"town"},{"speaker":"Rod Griffin","startTime":1615.281,"endTime":1615.4,"body":"in"},{"speaker":"Rod Griffin","startTime":1615.401,"endTime":1615.82,"body":"Texas,"},{"speaker":"Rod Griffin","startTime":1615.821,"endTime":1615.94,"body":"the"},{"speaker":"Rod Griffin","startTime":1615.941,"endTime":1616.18,"body":"police"},{"speaker":"Rod Griffin","startTime":1616.181,"endTime":1616.6,"body":"department,"},{"speaker":"Rod Griffin","startTime":1616.601,"endTime":1616.69,"body":"and"},{"speaker":"Rod Griffin","startTime":1616.691,"endTime":1616.9,"body":"they"},{"speaker":"Rod Griffin","startTime":1616.901,"endTime":1617.08,"body":"know"},{"speaker":"Rod Griffin","startTime":1617.081,"endTime":1617.23,"body":"what"},{"speaker":"Rod Griffin","startTime":1617.231,"endTime":1617.29,"body":"a"},{"speaker":"Rod Griffin","startTime":1617.291,"endTime":1617.65,"body":"fraud"},{"speaker":"Rod Griffin","startTime":1617.83,"endTime":1618.25,"body":"report"},{"speaker":"Rod Griffin","startTime":1618.251,"endTime":1618.76,"body":"is."},{"speaker":"Rod Griffin","startTime":1618.79,"endTime":1618.97,"body":"Go"},{"speaker":"Rod Griffin","startTime":1618.971,"endTime":1619.03,"body":"to"},{"speaker":"Rod Griffin","startTime":1619.031,"endTime":1619.15,"body":"your"},{"speaker":"Rod Griffin","startTime":1619.151,"endTime":1619.51,"body":"police,"},{"speaker":"Rod Griffin","startTime":1619.54,"endTime":1619.69,"body":"your"},{"speaker":"Rod Griffin","startTime":1619.691,"endTime":1619.96,"body":"local"},{"speaker":"Rod Griffin","startTime":1619.961,"endTime":1620.23,"body":"police"},{"speaker":"Rod Griffin","startTime":1620.231,"endTime":1620.71,"body":"department,"},{"speaker":"Rod Griffin","startTime":1620.711,"endTime":1620.8,"body":"or"},{"speaker":"Rod Griffin","startTime":1620.801,"endTime":1620.89,"body":"you"},{"speaker":"Rod Griffin","startTime":1620.891,"endTime":1621.07,"body":"can"},{"speaker":"Rod Griffin","startTime":1621.071,"endTime":1621.43,"body":"file"},{"speaker":"Rod Griffin","startTime":1621.431,"endTime":1621.55,"body":"an"},{"speaker":"Rod Griffin","startTime":1621.61,"endTime":1622.06,"body":"online"},{"speaker":"Rod Griffin","startTime":1622.061,"endTime":1622.45,"body":"report"},{"speaker":"Rod Griffin","startTime":1622.451,"endTime":1622.69,"body":"with"},{"speaker":"Rod Griffin","startTime":1622.72,"endTime":1622.84,"body":"the"},{"speaker":"Rod Griffin","startTime":1622.841,"endTime":1623.47,"body":"FTC."},{"speaker":"Rod Griffin","startTime":1624.07,"endTime":1624.07,"body":"Then"},{"speaker":"Rod Griffin","startTime":1624.071,"endTime":1624.67,"body":"affidavit"},{"speaker":"Rod Griffin","startTime":1624.071,"endTime":1624.67,"body":"the"},{"speaker":"Rod Griffin","startTime":1625.87,"endTime":1626.26,"body":"file."},{"speaker":"Rod Griffin","startTime":1626.38,"endTime":1626.65,"body":"A"},{"speaker":"Rod Griffin","startTime":1626.651,"endTime":1626.95,"body":"police"},{"speaker":"Rod Griffin","startTime":1626.951,"endTime":1627.22,"body":"report"},{"speaker":"Rod Griffin","startTime":1627.221,"endTime":1627.28,"body":"is"},{"speaker":"Rod Griffin","startTime":1627.281,"endTime":1627.58,"body":"usually"},{"speaker":"Rod Griffin","startTime":1627.581,"endTime":1627.76,"body":"the"},{"speaker":"Rod Griffin","startTime":1627.761,"endTime":1628.12,"body":"easiest,"},{"speaker":"Rod Griffin","startTime":1628.121,"endTime":1628.3,"body":"most"},{"speaker":"Rod Griffin","startTime":1628.301,"endTime":1628.84,"body":"convenient."},{"speaker":"Rod Griffin","startTime":1628.93,"endTime":1629.26,"body":"And"},{"speaker":"Rod Griffin","startTime":1629.26,"endTime":1629.26,"body":","},{"speaker":"Rod Griffin","startTime":1630.07,"endTime":1630.34,"body":"they'll"},{"speaker":"Rod Griffin","startTime":1630.341,"endTime":1630.46,"body":"know"},{"speaker":"Rod Griffin","startTime":1630.461,"endTime":1630.63,"body":"what"},{"speaker":"Rod Griffin","startTime":1630.67,"endTime":1630.76,"body":"to"},{"speaker":"Rod Griffin","startTime":1630.761,"endTime":1631.03,"body":"do"},{"speaker":"Rod Griffin","startTime":1631.54,"endTime":1631.81,"body":"with"},{"speaker":"Rod Griffin","startTime":1631.811,"endTime":1632.14,"body":"that."},{"speaker":"Rod Griffin","startTime":1632.141,"endTime":1632.29,"body":"You"},{"speaker":"Rod Griffin","startTime":1632.291,"endTime":1632.59,"body":"can"},{"speaker":"Rod Griffin","startTime":1632.65,"endTime":1633.07,"body":"upload"},{"speaker":"Rod Griffin","startTime":1633.071,"endTime":1633.37,"body":"that"},{"speaker":"Rod Griffin","startTime":1633.371,"endTime":1633.52,"body":"and"},{"speaker":"Rod Griffin","startTime":1633.521,"endTime":1633.73,"body":"add"},{"speaker":"Rod Griffin","startTime":1633.731,"endTime":1633.85,"body":"what"},{"speaker":"Rod Griffin","startTime":1633.851,"endTime":1633.97,"body":"we"},{"speaker":"Rod Griffin","startTime":1633.971,"endTime":1634.3,"body":"call"},{"speaker":"Rod Griffin","startTime":1634.301,"endTime":1634.66,"body":"an"},{"speaker":"Rod Griffin","startTime":1634.84,"endTime":1635.47,"body":"extended"},{"speaker":"Rod Griffin","startTime":1635.471,"endTime":1635.8,"body":"fraud"},{"speaker":"Rod Griffin","startTime":1635.801,"endTime":1636.13,"body":"victim"},{"speaker":"Rod Griffin","startTime":1636.131,"endTime":1636.58,"body":"statement"},{"speaker":"Rod Griffin","startTime":1636.581,"endTime":1636.73,"body":"to"},{"speaker":"Rod Griffin","startTime":1636.731,"endTime":1637.03,"body":"your"},{"speaker":"Rod Griffin","startTime":1637.12,"endTime":1637.42,"body":"credit"},{"speaker":"Rod Griffin","startTime":1637.421,"endTime":1637.87,"body":"report."},{"speaker":"Rod Griffin","startTime":1637.9,"endTime":1638.08,"body":"It"},{"speaker":"Rod Griffin","startTime":1638.081,"endTime":1638.62,"body":"says,"},{"speaker":"Rod Griffin","startTime":1638.65,"endTime":1638.8,"body":"I"},{"speaker":"Rod Griffin","startTime":1638.801,"endTime":1639.04,"body":"am"},{"speaker":"Rod Griffin","startTime":1639.041,"endTime":1639.1,"body":"a"},{"speaker":"Rod Griffin","startTime":1639.101,"endTime":1639.4,"body":"victim"},{"speaker":"Rod Griffin","startTime":1639.401,"endTime":1639.49,"body":"of"},{"speaker":"Rod Griffin","startTime":1639.491,"endTime":1639.97,"body":"identity"},{"speaker":"Rod Griffin","startTime":1639.971,"endTime":1640.33,"body":"theft."},{"speaker":"Rod Griffin","startTime":1640.66,"endTime":1641.02,"body":"Before"},{"speaker":"Rod Griffin","startTime":1641.021,"endTime":1641.32,"body":"granting"},{"speaker":"Rod Griffin","startTime":1641.021,"endTime":1641.32,"body":"credit"},{"speaker":"Rod Griffin","startTime":1641.321,"endTime":1641.65,"body":"in"},{"speaker":"Rod Griffin","startTime":1641.711,"endTime":1641.92,"body":"my"},{"speaker":"Rod Griffin","startTime":1641.921,"endTime":1642.37,"body":"name,"},{"speaker":"Rod Griffin","startTime":1642.55,"endTime":1642.85,"body":"please"},{"speaker":"Rod Griffin","startTime":1642.851,"endTime":1643.18,"body":"call"},{"speaker":"Rod Griffin","startTime":1643.181,"endTime":1643.51,"body":"me."},{"speaker":"Rod Griffin","startTime":1643.84,"endTime":1643.99,"body":"And"},{"speaker":"Rod Griffin","startTime":1643.991,"endTime":1644.05,"body":"you"},{"speaker":"Rod Griffin","startTime":1644.051,"endTime":1644.2,"body":"can"},{"speaker":"Rod Griffin","startTime":1644.201,"endTime":1644.47,"body":"provide"},{"speaker":"Rod Griffin","startTime":1644.62,"endTime":1644.62,"body":"two"},{"speaker":"Rod Griffin","startTime":1644.621,"endTime":1645.13,"body":"telephone"},{"speaker":"Rod Griffin","startTime":1645.131,"endTime":1645.58,"body":"numbers."},{"speaker":"Rod Griffin","startTime":1646.0,"endTime":1646.45,"body":"Federal"},{"speaker":"Rod Griffin","startTime":1646.451,"endTime":1646.81,"body":"law"},{"speaker":"Rod Griffin","startTime":1646.84,"endTime":1647.77,"body":"requires"},{"speaker":"Rod Griffin","startTime":1647.771,"endTime":1648.01,"body":"that"},{"speaker":"Rod Griffin","startTime":1648.13,"endTime":1648.64,"body":"anyone"},{"speaker":"Rod Griffin","startTime":1648.641,"endTime":1648.73,"body":"who"},{"speaker":"Rod Griffin","startTime":1648.731,"endTime":1648.97,"body":"gets"},{"speaker":"Rod Griffin","startTime":1648.971,"endTime":1649.15,"body":"that"},{"speaker":"Rod Griffin","startTime":1649.151,"endTime":1649.63,"body":"report,"},{"speaker":"Rod Griffin","startTime":1649.631,"endTime":1649.96,"body":"particularly"},{"speaker":"Rod Griffin","startTime":1649.961,"endTime":1650.47,"body":"lenders"},{"speaker":"Rod Griffin","startTime":1650.74,"endTime":1651.25,"body":"must"},{"speaker":"Rod Griffin","startTime":1651.251,"endTime":1651.82,"body":"respond"},{"speaker":"Rod Griffin","startTime":1651.821,"endTime":1651.91,"body":"to"},{"speaker":"Rod Griffin","startTime":1651.911,"endTime":1652.21,"body":"those"},{"speaker":"Rod Griffin","startTime":1652.211,"endTime":1652.78,"body":"alerts"},{"speaker":"Rod Griffin","startTime":1653.26,"endTime":1653.59,"body":"and"},{"speaker":"Rod Griffin","startTime":1653.591,"endTime":1653.8,"body":"take"},{"speaker":"Rod Griffin","startTime":1653.98,"endTime":1654.19,"body":"what"},{"speaker":"Rod Griffin","startTime":1654.191,"endTime":1654.25,"body":"they"},{"speaker":"Rod Griffin","startTime":1654.251,"endTime":1654.43,"body":"call"},{"speaker":"Rod Griffin","startTime":1654.431,"endTime":1654.94,"body":"reasonable"},{"speaker":"Rod Griffin","startTime":1654.941,"endTime":1655.39,"body":"action."},{"speaker":"Rod Griffin","startTime":1655.56,"endTime":1655.56,"body":"Like"},{"speaker":"Rod Griffin","startTime":1655.561,"endTime":1655.93,"body":"most"},{"speaker":"Rod Griffin","startTime":1656.05,"endTime":1656.05,"body":"will"},{"speaker":"Rod Griffin","startTime":1656.051,"endTime":1656.17,"body":"do"},{"speaker":"Rod Griffin","startTime":1656.171,"endTime":1656.56,"body":"exactly"},{"speaker":"Rod Griffin","startTime":1656.561,"endTime":1656.71,"body":"what"},{"speaker":"Rod Griffin","startTime":1656.711,"endTime":1656.8,"body":"they"},{"speaker":"Rod Griffin","startTime":1656.801,"endTime":1656.95,"body":"say."},{"speaker":"Rod Griffin","startTime":1656.951,"endTime":1657.13,"body":"They'll"},{"speaker":"Rod Griffin","startTime":1657.131,"endTime":1657.31,"body":"give"},{"speaker":"Rod Griffin","startTime":1657.311,"endTime":1657.4,"body":"you"},{"speaker":"Rod Griffin","startTime":1657.401,"endTime":1657.43,"body":"a"},{"speaker":"Rod Griffin","startTime":1657.431,"endTime":1657.76,"body":"call"},{"speaker":"Rod Griffin","startTime":1657.761,"endTime":1657.85,"body":"or"},{"speaker":"Rod Griffin","startTime":1657.851,"endTime":1658.12,"body":"they'll"},{"speaker":"Rod Griffin","startTime":1658.3,"endTime":1658.54,"body":"take"},{"speaker":"Rod Griffin","startTime":1658.541,"endTime":1658.81,"body":"steps"},{"speaker":"Rod Griffin","startTime":1658.811,"endTime":1658.9,"body":"to"},{"speaker":"Rod Griffin","startTime":1658.901,"endTime":1659.26,"body":"verify"},{"speaker":"Rod Griffin","startTime":1659.261,"endTime":1659.38,"body":"your"},{"speaker":"Rod Griffin","startTime":1659.381,"endTime":1659.89,"body":"identity."},{"speaker":"Rod Griffin","startTime":1660.19,"endTime":1660.34,"body":"So"},{"speaker":"Rod Griffin","startTime":1660.341,"endTime":1660.46,"body":"they"},{"speaker":"Rod Griffin","startTime":1660.461,"endTime":1660.76,"body":"must"},{"speaker":"Rod Griffin","startTime":1660.761,"endTime":1661.18,"body":"respond"},{"speaker":"Rod Griffin","startTime":1661.181,"endTime":1661.24,"body":"to"},{"speaker":"Rod Griffin","startTime":1661.241,"endTime":1661.45,"body":"them."},{"speaker":"Rod Griffin","startTime":1661.99,"endTime":1662.47,"body":"And"},{"speaker":"Rod Griffin","startTime":1662.53,"endTime":1663.25,"body":"those,"},{"speaker":"Rod Griffin","startTime":1663.34,"endTime":1663.7,"body":"the"},{"speaker":"Rod Griffin","startTime":1663.701,"endTime":1664.12,"body":"extended"},{"speaker":"Rod Griffin","startTime":1664.121,"endTime":1664.33,"body":"alert"},{"speaker":"Rod Griffin","startTime":1664.54,"endTime":1664.54,"body":"lasts"},{"speaker":"Rod Griffin","startTime":1664.541,"endTime":1664.81,"body":"seven"},{"speaker":"Rod Griffin","startTime":1664.811,"endTime":1665.2,"body":"years."},{"speaker":"Rod Griffin","startTime":1665.47,"endTime":1665.65,"body":"So"},{"speaker":"Rod Griffin","startTime":1665.71,"endTime":1665.71,"body":"it"},{"speaker":"Rod Griffin","startTime":1665.8,"endTime":1665.8,"body":"would"},{"speaker":"Rod Griffin","startTime":1665.801,"endTime":1665.92,"body":"be"},{"speaker":"Rod Griffin","startTime":1665.921,"endTime":1666.04,"body":"on"},{"speaker":"Rod Griffin","startTime":1666.041,"endTime":1666.1,"body":"the"},{"speaker":"Rod Griffin","startTime":1666.101,"endTime":1666.46,"body":"report"},{"speaker":"Rod Griffin","startTime":1666.461,"endTime":1666.58,"body":"for"},{"speaker":"Rod Griffin","startTime":1666.581,"endTime":1666.88,"body":"seven"},{"speaker":"Rod Griffin","startTime":1666.881,"endTime":1667.21,"body":"years."},{"speaker":"Rod Griffin","startTime":1668.71,"endTime":1669.04,"body":"For"},{"speaker":"Rod Griffin","startTime":1669.041,"endTime":1669.55,"body":"most"},{"speaker":"Rod Griffin","startTime":1669.551,"endTime":1670.12,"body":"people"},{"speaker":"Rod Griffin","startTime":1670.54,"endTime":1670.54,"body":"that"},{"speaker":"Rod Griffin","startTime":1670.55,"endTime":1671.2,"body":"sufficient,"},{"speaker":"Rod Griffin","startTime":1671.201,"endTime":1671.41,"body":"that"},{"speaker":"Rod Griffin","startTime":1671.411,"endTime":1671.53,"body":"will"},{"speaker":"Rod Griffin","startTime":1671.531,"endTime":1671.92,"body":"protect"},{"speaker":"Rod Griffin","startTime":1671.921,"endTime":1672.01,"body":"your"},{"speaker":"Rod Griffin","startTime":1672.011,"endTime":1672.31,"body":"credit"},{"speaker":"Rod Griffin","startTime":1672.311,"endTime":1672.79,"body":"history"},{"speaker":"Rod Griffin","startTime":1672.791,"endTime":1672.94,"body":"and"},{"speaker":"Rod Griffin","startTime":1673.15,"endTime":1673.15,"body":"will"},{"speaker":"Rod Griffin","startTime":1673.151,"endTime":1673.45,"body":"alert"},{"speaker":"Rod Griffin","startTime":1673.451,"endTime":1673.81,"body":"anyone,"},{"speaker":"Rod Griffin","startTime":1673.811,"endTime":1674.5,"body":"anytime"},{"speaker":"Rod Griffin","startTime":1674.68,"endTime":1674.68,"body":"the"},{"speaker":"Rod Griffin","startTime":1674.681,"endTime":1675.31,"body":"reports"},{"speaker":"Rod Griffin","startTime":1675.52,"endTime":1676.27,"body":"requested."},{"speaker":"Rod Griffin","startTime":1677.14,"endTime":1677.47,"body":"If"},{"speaker":"Rod Griffin","startTime":1677.471,"endTime":1678.13,"body":"however,"},{"speaker":"Rod Griffin","startTime":1678.131,"endTime":1678.34,"body":"there"},{"speaker":"Rod Griffin","startTime":1678.341,"endTime":1678.4,"body":"are"},{"speaker":"Rod Griffin","startTime":1678.401,"endTime":1678.88,"body":"ongoing"},{"speaker":"Rod Griffin","startTime":1678.881,"endTime":1679.45,"body":"issues,"},{"speaker":"Rod Griffin","startTime":1679.451,"endTime":1679.57,"body":"you"},{"speaker":"Rod Griffin","startTime":1679.571,"endTime":1679.87,"body":"might"},{"speaker":"Rod Griffin","startTime":1679.871,"endTime":1680.62,"body":"consider"},{"speaker":"Rod Griffin","startTime":1680.83,"endTime":1681.19,"body":"a"},{"speaker":"Rod Griffin","startTime":1681.22,"endTime":1681.37,"body":"what"},{"speaker":"Rod Griffin","startTime":1681.371,"endTime":1681.46,"body":"we"},{"speaker":"Rod Griffin","startTime":1681.461,"endTime":1681.64,"body":"call"},{"speaker":"Rod Griffin","startTime":1681.461,"endTime":1681.64,"body":"a"},{"speaker":"Rod Griffin","startTime":1681.641,"endTime":1681.76,"body":"credit"},{"speaker":"Rod Griffin","startTime":1682.121,"endTime":1682.54,"body":"freeze,"},{"speaker":"Rod Griffin","startTime":1682.63,"endTime":1682.81,"body":"and"},{"speaker":"Rod Griffin","startTime":1682.93,"endTime":1682.93,"body":"they're"},{"speaker":"Rod Griffin","startTime":1682.931,"endTime":1683.2,"body":"free"},{"speaker":"Rod Griffin","startTime":1683.201,"endTime":1683.35,"body":"as"},{"speaker":"Rod Griffin","startTime":1683.351,"endTime":1683.74,"body":"well."},{"speaker":"Rod Griffin","startTime":1684.19,"endTime":1684.7,"body":"And"},{"speaker":"Rod Griffin","startTime":1684.94,"endTime":1685.06,"body":"a"},{"speaker":"Rod Griffin","startTime":1685.061,"endTime":1685.45,"body":"credit"},{"speaker":"Rod Griffin","startTime":1685.451,"endTime":1686.08,"body":"freeze"},{"speaker":"Rod Griffin","startTime":1687.55,"endTime":1687.55,"body":"will"},{"speaker":"Rod Griffin","startTime":1687.55,"endTime":1687.55,"body":","},{"speaker":"Rod Griffin","startTime":1688.07,"endTime":1688.07,"body":"will"},{"speaker":"Rod Griffin","startTime":1688.63,"endTime":1689.26,"body":"ostensibly"},{"speaker":"Rod Griffin","startTime":1689.261,"endTime":1689.68,"body":"lock"},{"speaker":"Rod Griffin","startTime":1689.681,"endTime":1689.83,"body":"your"},{"speaker":"Rod Griffin","startTime":1689.831,"endTime":1690.1,"body":"credit"},{"speaker":"Rod Griffin","startTime":1690.101,"endTime":1690.55,"body":"report"},{"speaker":"Rod Griffin","startTime":1690.58,"endTime":1691.06,"body":"until"},{"speaker":"Rod Griffin","startTime":1691.061,"endTime":1691.33,"body":"you"},{"speaker":"Rod Griffin","startTime":1691.331,"endTime":1691.72,"body":"provide"},{"speaker":"Rod Griffin","startTime":1691.721,"endTime":1691.78,"body":"a"},{"speaker":"Rod Griffin","startTime":1691.781,"endTime":1691.96,"body":"pin"},{"speaker":"Rod Griffin","startTime":1691.961,"endTime":1692.23,"body":"number"},{"speaker":"Rod Griffin","startTime":1692.231,"endTime":1692.41,"body":"to"},{"speaker":"Rod Griffin","startTime":1692.411,"endTime":1692.77,"body":"lift"},{"speaker":"Rod Griffin","startTime":1692.771,"endTime":1692.95,"body":"it."},{"speaker":"Rod Griffin","startTime":1694.69,"endTime":1695.35,"body":"There"},{"speaker":"Rod Griffin","startTime":1695.351,"endTime":1695.41,"body":"are"},{"speaker":"Rod Griffin","startTime":1695.411,"endTime":1695.71,"body":"several"},{"speaker":"Rod Griffin","startTime":1695.711,"endTime":1695.92,"body":"things"},{"speaker":"Rod Griffin","startTime":1695.921,"endTime":1696.01,"body":"to"},{"speaker":"Rod Griffin","startTime":1696.011,"endTime":1696.58,"body":"understand"},{"speaker":"Rod Griffin","startTime":1696.581,"endTime":1696.94,"body":"though"},{"speaker":"Rod Griffin","startTime":1696.94,"endTime":1696.94,"body":","},{"speaker":"Rod Griffin","startTime":1697.57,"endTime":1697.84,"body":"with"},{"speaker":"Rod Griffin","startTime":1697.841,"endTime":1697.9,"body":"a"},{"speaker":"Rod Griffin","startTime":1697.901,"endTime":1698.23,"body":"credit"},{"speaker":"Rod Griffin","startTime":1698.231,"endTime":1698.62,"body":"freeze"},{"speaker":"Rod Griffin","startTime":1698.621,"endTime":1698.86,"body":"or"},{"speaker":"Rod Griffin","startTime":1698.861,"endTime":1699.25,"body":"alerts"},{"speaker":"Rod Griffin","startTime":1699.37,"endTime":1699.37,"body":"in"},{"speaker":"Rod Griffin","startTime":1699.76,"endTime":1699.97,"body":"as"},{"speaker":"Rod Griffin","startTime":1699.971,"endTime":1700.27,"body":"well,"},{"speaker":"Rod Griffin","startTime":1700.271,"endTime":1700.48,"body":"but"},{"speaker":"Rod Griffin","startTime":1700.48,"endTime":1700.48,"body":","},{"speaker":"Rod Griffin","startTime":1700.87,"endTime":1701.11,"body":"it"},{"speaker":"Rod Griffin","startTime":1701.201,"endTime":1701.41,"body":"was"},{"speaker":"Rod Griffin","startTime":1701.411,"endTime":1701.68,"body":"specifically"},{"speaker":"Rod Griffin","startTime":1701.681,"endTime":1701.8,"body":"with"},{"speaker":"Rod Griffin","startTime":1701.801,"endTime":1702.1,"body":"credit"},{"speaker":"Rod Griffin","startTime":1702.101,"endTime":1702.43,"body":"freezes"},{"speaker":"Rod Griffin","startTime":1702.431,"endTime":1702.76,"body":"credit"},{"speaker":"Rod Griffin","startTime":1702.761,"endTime":1703.24,"body":"freezes"},{"speaker":"Rod Griffin","startTime":1703.241,"endTime":1703.63,"body":"will"},{"speaker":"Rod Griffin","startTime":1703.631,"endTime":1704.11,"body":"not"},{"speaker":"Rod Griffin","startTime":1704.111,"endTime":1704.56,"body":"prevent"},{"speaker":"Rod Griffin","startTime":1704.561,"endTime":1705.04,"body":"identity"},{"speaker":"Rod Griffin","startTime":1705.041,"endTime":1705.4,"body":"theft."},{"speaker":"Rod Griffin","startTime":1705.61,"endTime":1705.79,"body":"And"},{"speaker":"Rod Griffin","startTime":1705.791,"endTime":1706.15,"body":"so"},{"speaker":"Rod Griffin","startTime":1706.57,"endTime":1706.75,"body":"I"},{"speaker":"Rod Griffin","startTime":1706.751,"endTime":1707.11,"body":"always"},{"speaker":"Rod Griffin","startTime":1707.111,"endTime":1707.23,"body":"am"},{"speaker":"Rod Griffin","startTime":1707.231,"endTime":1707.74,"body":"concerned"},{"speaker":"Rod Griffin","startTime":1707.741,"endTime":1707.83,"body":"that"},{"speaker":"Rod Griffin","startTime":1707.831,"endTime":1708.1,"body":"people"},{"speaker":"Rod Griffin","startTime":1708.101,"endTime":1708.19,"body":"will"},{"speaker":"Rod Griffin","startTime":1708.191,"endTime":1708.34,"body":"have"},{"speaker":"Rod Griffin","startTime":1708.341,"endTime":1708.4,"body":"a"},{"speaker":"Rod Griffin","startTime":1708.401,"endTime":1708.7,"body":"false"},{"speaker":"Rod Griffin","startTime":1708.701,"endTime":1708.94,"body":"sense"},{"speaker":"Rod Griffin","startTime":1708.941,"endTime":1709.06,"body":"of"},{"speaker":"Rod Griffin","startTime":1709.061,"endTime":1709.72,"body":"security."},{"speaker":"Rod Griffin","startTime":1710.38,"endTime":1710.65,"body":"As"},{"speaker":"Rod Griffin","startTime":1710.651,"endTime":1710.77,"body":"I"},{"speaker":"Rod Griffin","startTime":1710.771,"endTime":1711.07,"body":"said,"},{"speaker":"Rod Griffin","startTime":1711.071,"endTime":1711.19,"body":"in"},{"speaker":"Rod Griffin","startTime":1711.191,"endTime":1711.37,"body":"my"},{"speaker":"Rod Griffin","startTime":1711.371,"endTime":1711.97,"body":"example,"},{"speaker":"Rod Griffin","startTime":1712.18,"endTime":1712.36,"body":"there"},{"speaker":"Rod Griffin","startTime":1712.361,"endTime":1712.54,"body":"was"},{"speaker":"Rod Griffin","startTime":1712.541,"endTime":1712.6,"body":"a"},{"speaker":"Rod Griffin","startTime":1712.601,"endTime":1712.9,"body":"breach"},{"speaker":"Rod Griffin","startTime":1712.99,"endTime":1712.99,"body":"of"},{"speaker":"Rod Griffin","startTime":1713.0,"endTime":1713.11,"body":"the"},{"speaker":"Rod Griffin","startTime":1713.111,"endTime":1713.65,"body":"IRS"},{"speaker":"Rod Griffin","startTime":1713.651,"endTime":1713.8,"body":"and"},{"speaker":"Rod Griffin","startTime":1713.801,"endTime":1714.16,"body":"tax"},{"speaker":"Rod Griffin","startTime":1714.161,"endTime":1714.43,"body":"fraud"},{"speaker":"Rod Griffin","startTime":1714.431,"endTime":1714.58,"body":"was"},{"speaker":"Rod Griffin","startTime":1714.581,"endTime":1714.97,"body":"committed"},{"speaker":"Rod Griffin","startTime":1714.971,"endTime":1715.21,"body":"that"},{"speaker":"Rod Griffin","startTime":1715.3,"endTime":1715.54,"body":"did"},{"speaker":"Rod Griffin","startTime":1715.541,"endTime":1715.84,"body":"not"},{"speaker":"Rod Griffin","startTime":1715.841,"endTime":1716.17,"body":"involve"},{"speaker":"Rod Griffin","startTime":1716.171,"endTime":1716.2,"body":"a"},{"speaker":"Rod Griffin","startTime":1716.201,"endTime":1716.47,"body":"credit"},{"speaker":"Rod Griffin","startTime":1716.471,"endTime":1716.92,"body":"report."},{"speaker":"Rod Griffin","startTime":1717.16,"endTime":1717.4,"body":"So"},{"speaker":"Rod Griffin","startTime":1717.401,"endTime":1717.49,"body":"it"},{"speaker":"Rod Griffin","startTime":1717.491,"endTime":1717.67,"body":"would"},{"speaker":"Rod Griffin","startTime":1717.671,"endTime":1717.97,"body":"not"},{"speaker":"Rod Griffin","startTime":1717.971,"endTime":1718.06,"body":"have"},{"speaker":"Rod Griffin","startTime":1718.061,"endTime":1718.39,"body":"triggered"},{"speaker":"Rod Griffin","startTime":1718.391,"endTime":1718.45,"body":"a"},{"speaker":"Rod Griffin","startTime":1718.451,"endTime":1718.93,"body":"freeze."},{"speaker":"Rod Griffin","startTime":1719.26,"endTime":1719.41,"body":"So"},{"speaker":"Rod Griffin","startTime":1720.07,"endTime":1720.31,"body":"you"},{"speaker":"Rod Griffin","startTime":1720.311,"endTime":1720.58,"body":"need"},{"speaker":"Rod Griffin","startTime":1720.581,"endTime":1720.67,"body":"to"},{"speaker":"Rod Griffin","startTime":1720.671,"endTime":1721.15,"body":"understand"},{"speaker":"Rod Griffin","startTime":1721.151,"endTime":1721.3,"body":"that"},{"speaker":"Rod Griffin","startTime":1721.301,"endTime":1721.51,"body":"that's"},{"speaker":"Rod Griffin","startTime":1721.511,"endTime":1721.75,"body":"just"},{"speaker":"Rod Griffin","startTime":1721.751,"endTime":1722.11,"body":"one"},{"speaker":"Rod Griffin","startTime":1722.111,"endTime":1722.71,"body":"tool."},{"speaker":"Rod Griffin","startTime":1723.07,"endTime":1723.28,"body":"So"},{"speaker":"Rod Griffin","startTime":1723.28,"endTime":1723.28,"body":","},{"speaker":"Rod Griffin","startTime":1724.51,"endTime":1724.72,"body":"that"},{"speaker":"Rod Griffin","startTime":1724.721,"endTime":1724.84,"body":"it"},{"speaker":"Rod Griffin","startTime":1724.841,"endTime":1724.96,"body":"will"},{"speaker":"Rod Griffin","startTime":1724.961,"endTime":1725.26,"body":"not,"},{"speaker":"Rod Griffin","startTime":1725.29,"endTime":1725.56,"body":"not"},{"speaker":"Rod Griffin","startTime":1725.561,"endTime":1725.83,"body":"prevent"},{"speaker":"Rod Griffin","startTime":1725.831,"endTime":1726.22,"body":"identity"},{"speaker":"Rod Griffin","startTime":1726.221,"endTime":1726.52,"body":"theft."},{"speaker":"Rod Griffin","startTime":1726.53,"endTime":1726.79,"body":"Although"},{"speaker":"Rod Griffin","startTime":1726.791,"endTime":1726.88,"body":"I"},{"speaker":"Rod Griffin","startTime":1726.881,"endTime":1727.21,"body":"hear"},{"speaker":"Rod Griffin","startTime":1727.211,"endTime":1727.63,"body":"that"},{"speaker":"Rod Griffin","startTime":1727.72,"endTime":1728.17,"body":"often"},{"speaker":"Rod Griffin","startTime":1728.29,"endTime":1728.29,"body":"and"},{"speaker":"Rod Griffin","startTime":1728.291,"endTime":1728.47,"body":"that,"},{"speaker":"Rod Griffin","startTime":1728.5,"endTime":1728.77,"body":"that"},{"speaker":"Rod Griffin","startTime":1728.771,"endTime":1729.28,"body":"concerns"},{"speaker":"Rod Griffin","startTime":1729.281,"endTime":1729.49,"body":"me."},{"speaker":"Rod Griffin","startTime":1729.94,"endTime":1730.33,"body":"The"},{"speaker":"Rod Griffin","startTime":1730.871,"endTime":1731.08,"body":"other"},{"speaker":"Rod Griffin","startTime":1731.081,"endTime":1731.26,"body":"thing"},{"speaker":"Rod Griffin","startTime":1731.261,"endTime":1731.35,"body":"to"},{"speaker":"Rod Griffin","startTime":1731.351,"endTime":1731.59,"body":"know"},{"speaker":"Rod Griffin","startTime":1731.591,"endTime":1731.77,"body":"is"},{"speaker":"Rod Griffin","startTime":1731.771,"endTime":1731.92,"body":"that"},{"speaker":"Rod Griffin","startTime":1731.921,"endTime":1732.07,"body":"there"},{"speaker":"Rod Griffin","startTime":1732.071,"endTime":1732.1,"body":"are"},{"speaker":"Rod Griffin","startTime":1732.101,"endTime":1732.13,"body":"a"},{"speaker":"Rod Griffin","startTime":1732.131,"endTime":1732.49,"body":"number"},{"speaker":"Rod Griffin","startTime":1732.491,"endTime":1732.61,"body":"of"},{"speaker":"Rod Griffin","startTime":1732.611,"endTime":1733.3,"body":"exceptions"},{"speaker":"Rod Griffin","startTime":1733.301,"endTime":1733.48,"body":"to"},{"speaker":"Rod Griffin","startTime":1733.481,"endTime":1733.57,"body":"a"},{"speaker":"Rod Griffin","startTime":1733.571,"endTime":1734.2,"body":"freeze."},{"speaker":"Rod Griffin","startTime":1735.07,"endTime":1735.34,"body":"For"},{"speaker":"Rod Griffin","startTime":1735.341,"endTime":1736.06,"body":"example,"},{"speaker":"Rod Griffin","startTime":1736.061,"endTime":1736.33,"body":"if"},{"speaker":"Rod Griffin","startTime":1736.331,"endTime":1736.57,"body":"you"},{"speaker":"Rod Griffin","startTime":1736.571,"endTime":1736.78,"body":"are"},{"speaker":"Rod Griffin","startTime":1736.781,"endTime":1737.14,"body":"applying"},{"speaker":"Rod Griffin","startTime":1737.141,"endTime":1737.26,"body":"for"},{"speaker":"Rod Griffin","startTime":1737.261,"endTime":1737.35,"body":"an"},{"speaker":"Rod Griffin","startTime":1737.351,"endTime":1737.77,"body":"apartment"},{"speaker":"Rod Griffin","startTime":1738.12,"endTime":1738.12,"body":"lease"},{"speaker":"Rod Griffin","startTime":1738.121,"endTime":1738.28,"body":"the"},{"speaker":"Rod Griffin","startTime":1738.281,"endTime":1738.67,"body":"leasing"},{"speaker":"Rod Griffin","startTime":1738.671,"endTime":1739.27,"body":"agency"},{"speaker":"Rod Griffin","startTime":1739.7,"endTime":1740.2,"body":"can"},{"speaker":"Rod Griffin","startTime":1740.23,"endTime":1740.56,"body":"still"},{"speaker":"Rod Griffin","startTime":1740.561,"endTime":1740.74,"body":"get"},{"speaker":"Rod Griffin","startTime":1740.741,"endTime":1740.8,"body":"a"},{"speaker":"Rod Griffin","startTime":1740.801,"endTime":1741.07,"body":"credit"},{"speaker":"Rod Griffin","startTime":1741.071,"endTime":1741.46,"body":"report"},{"speaker":"Rod Griffin","startTime":1741.461,"endTime":1741.64,"body":"with"},{"speaker":"Rod Griffin","startTime":1741.641,"endTime":1741.7,"body":"a"},{"speaker":"Rod Griffin","startTime":1741.701,"endTime":1741.97,"body":"freeze"},{"speaker":"Rod Griffin","startTime":1741.971,"endTime":1742.09,"body":"in"},{"speaker":"Rod Griffin","startTime":1742.091,"endTime":1742.63,"body":"place."},{"speaker":"Rod Griffin","startTime":1742.96,"endTime":1743.32,"body":"Employers"},{"speaker":"Rod Griffin","startTime":1744.071,"endTime":1744.25,"body":"can"},{"speaker":"Rod Griffin","startTime":1744.251,"endTime":1744.43,"body":"get"},{"speaker":"Rod Griffin","startTime":1744.511,"endTime":1744.58,"body":"a"},{"speaker":"Rod Griffin","startTime":1744.581,"endTime":1744.94,"body":"free,"},{"speaker":"Rod Griffin","startTime":1744.97,"endTime":1745.21,"body":"get"},{"speaker":"Rod Griffin","startTime":1745.211,"endTime":1745.36,"body":"a"},{"speaker":"Rod Griffin","startTime":1745.361,"endTime":1745.78,"body":"report"},{"speaker":"Rod Griffin","startTime":1745.9,"endTime":1746.14,"body":"with"},{"speaker":"Rod Griffin","startTime":1746.141,"endTime":1746.23,"body":"the"},{"speaker":"Rod Griffin","startTime":1746.231,"endTime":1746.59,"body":"freeze"},{"speaker":"Rod Griffin","startTime":1746.591,"endTime":1746.74,"body":"in"},{"speaker":"Rod Griffin","startTime":1746.741,"endTime":1747.28,"body":"place"},{"speaker":"Rod Griffin","startTime":1747.28,"endTime":1747.28,"body":","},{"speaker":"Rod Griffin","startTime":1747.82,"endTime":1748.03,"body":"law"},{"speaker":"Rod Griffin","startTime":1748.031,"endTime":1748.6,"body":"enforcement,"},{"speaker":"Rod Griffin","startTime":1748.63,"endTime":1749.47,"body":"obviously"},{"speaker":"Rod Griffin","startTime":1749.47,"endTime":1749.47,"body":","},{"speaker":"Rod Griffin","startTime":1750.28,"endTime":1750.46,"body":"if"},{"speaker":"Rod Griffin","startTime":1750.461,"endTime":1750.64,"body":"you"},{"speaker":"Rod Griffin","startTime":1750.641,"endTime":1750.88,"body":"have"},{"speaker":"Rod Griffin","startTime":1750.881,"endTime":1751.39,"body":"existing"},{"speaker":"Rod Griffin","startTime":1751.391,"endTime":1752.32,"body":"relationships"},{"speaker":"Rod Griffin","startTime":1752.321,"endTime":1752.65,"body":"with"},{"speaker":"Rod Griffin","startTime":1752.68,"endTime":1753.4,"body":"lenders,"},{"speaker":"Rod Griffin","startTime":1753.52,"endTime":1753.61,"body":"a"},{"speaker":"Rod Griffin","startTime":1753.611,"endTime":1754.0,"body":"freeze"},{"speaker":"Rod Griffin","startTime":1754.001,"endTime":1754.27,"body":"isn't"},{"speaker":"Rod Griffin","startTime":1754.271,"endTime":1754.84,"body":"triggered."},{"speaker":"Rod Griffin","startTime":1755.74,"endTime":1755.98,"body":"So"},{"speaker":"Rod Griffin","startTime":1755.981,"endTime":1756.67,"body":"essentially"},{"speaker":"Rod Griffin","startTime":1756.671,"endTime":1756.76,"body":"a"},{"speaker":"Rod Griffin","startTime":1756.761,"endTime":1757.18,"body":"freeze"},{"speaker":"Rod Griffin","startTime":1757.181,"endTime":1757.48,"body":"will"},{"speaker":"Rod Griffin","startTime":1757.51,"endTime":1757.99,"body":"only"},{"speaker":"Rod Griffin","startTime":1757.991,"endTime":1758.14,"body":"be"},{"speaker":"Rod Griffin","startTime":1757.991,"endTime":1758.14,"body":"triggered"},{"speaker":"Rod Griffin","startTime":1758.141,"endTime":1758.77,"body":"if"},{"speaker":"Rod Griffin","startTime":1759.82,"endTime":1760.33,"body":"someone"},{"speaker":"Rod Griffin","startTime":1760.331,"endTime":1760.75,"body":"uses"},{"speaker":"Rod Griffin","startTime":1760.751,"endTime":1760.9,"body":"your"},{"speaker":"Rod Griffin","startTime":1760.901,"endTime":1761.41,"body":"identity"},{"speaker":"Rod Griffin","startTime":1761.411,"endTime":1761.56,"body":"to"},{"speaker":"Rod Griffin","startTime":1761.561,"endTime":1761.92,"body":"apply"},{"speaker":"Rod Griffin","startTime":1761.921,"endTime":1762.07,"body":"for"},{"speaker":"Rod Griffin","startTime":1762.071,"endTime":1762.16,"body":"a"},{"speaker":"Rod Griffin","startTime":1762.161,"endTime":1762.4,"body":"new"},{"speaker":"Rod Griffin","startTime":1762.401,"endTime":1762.82,"body":"credit"},{"speaker":"Rod Griffin","startTime":1762.821,"endTime":1763.39,"body":"account."},{"speaker":"Rod Griffin","startTime":1763.72,"endTime":1763.99,"body":"That's"},{"speaker":"Rod Griffin","startTime":1763.991,"endTime":1764.08,"body":"a"},{"speaker":"Rod Griffin","startTime":1764.081,"endTime":1764.56,"body":"very"},{"speaker":"Rod Griffin","startTime":1764.561,"endTime":1765.43,"body":"limited"},{"speaker":"Rod Griffin","startTime":1766.21,"endTime":1766.96,"body":"situation."},{"speaker":"Rod Griffin","startTime":1767.5,"endTime":1767.71,"body":"In,"},{"speaker":"Rod Griffin","startTime":1768.67,"endTime":1769.24,"body":"in"},{"speaker":"Rod Griffin","startTime":1769.241,"endTime":1769.75,"body":"fact,"},{"speaker":"Rod Griffin","startTime":1769.87,"endTime":1770.05,"body":"what"},{"speaker":"Rod Griffin","startTime":1770.051,"endTime":1770.14,"body":"we"},{"speaker":"Rod Griffin","startTime":1770.141,"endTime":1770.32,"body":"call"},{"speaker":"Rod Griffin","startTime":1770.53,"endTime":1770.53,"body":"true"},{"speaker":"Rod Griffin","startTime":1770.82,"endTime":1770.82,"body":"named"},{"speaker":"Rod Griffin","startTime":1770.821,"endTime":1771.28,"body":"fraud"},{"speaker":"Rod Griffin","startTime":1771.31,"endTime":1771.82,"body":"is"},{"speaker":"Rod Griffin","startTime":1771.85,"endTime":1772.33,"body":"the"},{"speaker":"Rod Griffin","startTime":1772.45,"endTime":1772.78,"body":"most"},{"speaker":"Rod Griffin","startTime":1772.781,"endTime":1773.08,"body":"rare"},{"speaker":"Rod Griffin","startTime":1773.081,"endTime":1773.56,"body":"form"},{"speaker":"Rod Griffin","startTime":1773.68,"endTime":1773.77,"body":"of"},{"speaker":"Rod Griffin","startTime":1773.771,"endTime":1774.25,"body":"identity"},{"speaker":"Rod Griffin","startTime":1774.251,"endTime":1774.58,"body":"theft."},{"speaker":"Rod Griffin","startTime":1775.09,"endTime":1775.63,"body":"So"},{"speaker":"Rod Griffin","startTime":1776.02,"endTime":1776.11,"body":"I"},{"speaker":"Rod Griffin","startTime":1776.111,"endTime":1776.29,"body":"think"},{"speaker":"Rod Griffin","startTime":1776.291,"endTime":1776.41,"body":"it's"},{"speaker":"Rod Griffin","startTime":1776.411,"endTime":1776.77,"body":"critical"},{"speaker":"Rod Griffin","startTime":1776.771,"endTime":1776.86,"body":"to"},{"speaker":"Rod Griffin","startTime":1776.861,"endTime":1777.25,"body":"understand"},{"speaker":"Rod Griffin","startTime":1777.251,"endTime":1777.37,"body":"what"},{"speaker":"Rod Griffin","startTime":1777.371,"endTime":1777.43,"body":"a"},{"speaker":"Rod Griffin","startTime":1777.431,"endTime":1777.73,"body":"freeze"},{"speaker":"Rod Griffin","startTime":1777.731,"endTime":1778.0,"body":"does"},{"speaker":"Rod Griffin","startTime":1778.001,"endTime":1778.15,"body":"and"},{"speaker":"Rod Griffin","startTime":1778.151,"endTime":1778.36,"body":"does"},{"speaker":"Rod Griffin","startTime":1778.361,"endTime":1778.6,"body":"not"},{"speaker":"Rod Griffin","startTime":1778.601,"endTime":1778.78,"body":"do"},{"speaker":"Rod Griffin","startTime":1778.781,"endTime":1778.96,"body":"it's"},{"speaker":"Rod Griffin","startTime":1778.961,"endTime":1779.08,"body":"an"},{"speaker":"Rod Griffin","startTime":1779.081,"endTime":1779.53,"body":"additional"},{"speaker":"Rod Griffin","startTime":1779.531,"endTime":1780.25,"body":"tool,"},{"speaker":"Rod Griffin","startTime":1780.67,"endTime":1780.88,"body":"but"},{"speaker":"Rod Griffin","startTime":1780.881,"endTime":1781.0,"body":"it"},{"speaker":"Rod Griffin","startTime":1781.14,"endTime":1781.71,"body":"limited"},{"speaker":"Rod Griffin","startTime":1781.711,"endTime":1781.86,"body":"in"},{"speaker":"Rod Griffin","startTime":1781.861,"endTime":1782.22,"body":"its"},{"speaker":"Rod Griffin","startTime":1782.49,"endTime":1782.97,"body":"impact."},{"speaker":"Rebecca Wiggins","startTime":1783.24,"endTime":1783.54,"body":"And"},{"speaker":"Rebecca Wiggins","startTime":1783.541,"endTime":1783.78,"body":"what"},{"speaker":"Rebecca Wiggins","startTime":1783.781,"endTime":1783.93,"body":"can"},{"speaker":"Rebecca Wiggins","startTime":1783.931,"endTime":1784.35,"body":"someone"},{"speaker":"Rebecca Wiggins","startTime":1784.351,"endTime":1784.65,"body":"do"},{"speaker":"Rebecca Wiggins","startTime":1784.651,"endTime":1784.89,"body":"if"},{"speaker":"Rebecca Wiggins","startTime":1784.891,"endTime":1785.13,"body":"it's"},{"speaker":"Rebecca Wiggins","startTime":1785.131,"endTime":1785.4,"body":"maybe"},{"speaker":"Rebecca Wiggins","startTime":1785.401,"endTime":1785.64,"body":"not"},{"speaker":"Rebecca Wiggins","startTime":1785.641,"endTime":1786.33,"body":"fraudulent,"},{"speaker":"Rebecca Wiggins","startTime":1786.331,"endTime":1786.45,"body":"but"},{"speaker":"Rebecca Wiggins","startTime":1786.451,"endTime":1786.54,"body":"they"},{"speaker":"Rebecca Wiggins","startTime":1786.541,"endTime":1786.78,"body":"just"},{"speaker":"Rebecca Wiggins","startTime":1786.781,"endTime":1787.14,"body":"see"},{"speaker":"Rebecca Wiggins","startTime":1787.141,"endTime":1787.77,"body":"incorrect"},{"speaker":"Rebecca Wiggins","startTime":1787.771,"endTime":1788.43,"body":"information"},{"speaker":"Rebecca Wiggins","startTime":1788.431,"endTime":1788.58,"body":"on"},{"speaker":"Rebecca Wiggins","startTime":1788.581,"endTime":1788.67,"body":"their"},{"speaker":"Rebecca Wiggins","startTime":1788.671,"endTime":1788.97,"body":"credit"},{"speaker":"Rebecca Wiggins","startTime":1788.971,"endTime":1789.36,"body":"report."},{"speaker":"Rod Griffin","startTime":1789.77,"endTime":1790.43,"body":"Absolutely."},{"speaker":"Rod Griffin","startTime":1790.431,"endTime":1790.7,"body":"If"},{"speaker":"Rod Griffin","startTime":1790.73,"endTime":1790.94,"body":"you"},{"speaker":"Rod Griffin","startTime":1790.941,"endTime":1791.18,"body":"see"},{"speaker":"Rod Griffin","startTime":1791.181,"endTime":1791.54,"body":"something"},{"speaker":"Rod Griffin","startTime":1791.541,"endTime":1791.78,"body":"you"},{"speaker":"Rod Griffin","startTime":1791.781,"endTime":1792.11,"body":"believe"},{"speaker":"Rod Griffin","startTime":1792.111,"endTime":1792.23,"body":"is"},{"speaker":"Rod Griffin","startTime":1792.231,"endTime":1792.83,"body":"inaccurate"},{"speaker":"Rod Griffin","startTime":1792.831,"endTime":1792.92,"body":"or"},{"speaker":"Rod Griffin","startTime":1792.921,"endTime":1793.19,"body":"doesn't"},{"speaker":"Rod Griffin","startTime":1793.191,"endTime":1793.49,"body":"belong"},{"speaker":"Rod Griffin","startTime":1793.491,"endTime":1793.58,"body":"to"},{"speaker":"Rod Griffin","startTime":1793.581,"endTime":1793.76,"body":"you,"},{"speaker":"Rod Griffin","startTime":1793.761,"endTime":1793.91,"body":"you"},{"speaker":"Rod Griffin","startTime":1793.911,"endTime":1794.15,"body":"should"},{"speaker":"Rod Griffin","startTime":1794.151,"endTime":1794.57,"body":"dispute"},{"speaker":"Rod Griffin","startTime":1794.571,"endTime":1794.75,"body":"that"},{"speaker":"Rod Griffin","startTime":1794.751,"endTime":1795.41,"body":"information."},{"speaker":"Rod Griffin","startTime":1795.83,"endTime":1796.19,"body":"Again,"},{"speaker":"Rod Griffin","startTime":1796.191,"endTime":1796.37,"body":"it's"},{"speaker":"Rod Griffin","startTime":1796.371,"endTime":1796.52,"body":"very"},{"speaker":"Rod Griffin","startTime":1796.521,"endTime":1796.88,"body":"simple"},{"speaker":"Rod Griffin","startTime":1796.881,"endTime":1797.0,"body":"to"},{"speaker":"Rod Griffin","startTime":1797.001,"endTime":1797.33,"body":"do"},{"speaker":"Rod Griffin","startTime":1797.331,"endTime":1797.51,"body":"with"},{"speaker":"Rod Griffin","startTime":1797.98,"endTime":1797.98,"body":"experience"},{"speaker":"Rod Griffin","startTime":1797.98,"endTime":1797.98,"body":"."},{"speaker":"Rod Griffin","startTime":1797.981,"endTime":1798.11,"body":"If"},{"speaker":"Rod Griffin","startTime":1798.111,"endTime":1798.23,"body":"you"},{"speaker":"Rod Griffin","startTime":1798.231,"endTime":1798.38,"body":"go"},{"speaker":"Rod Griffin","startTime":1798.381,"endTime":1798.56,"body":"to"},{"speaker":"Rod Griffin","startTime":1798.561,"endTime":1800.72,"body":"experian.com/dispute."},{"speaker":"Rod Griffin","startTime":1801.41,"endTime":1801.83,"body":"We"},{"speaker":"Rod Griffin","startTime":1801.831,"endTime":1802.4,"body":"will"},{"speaker":"Rod Griffin","startTime":1803.03,"endTime":1803.33,"body":"either"},{"speaker":"Rod Griffin","startTime":1803.331,"endTime":1803.78,"body":"provide"},{"speaker":"Rod Griffin","startTime":1803.781,"endTime":1803.81,"body":"a"},{"speaker":"Rod Griffin","startTime":1803.811,"endTime":1803.96,"body":"free"},{"speaker":"Rod Griffin","startTime":1803.961,"endTime":1804.29,"body":"report"},{"speaker":"Rod Griffin","startTime":1804.291,"endTime":1804.38,"body":"if"},{"speaker":"Rod Griffin","startTime":1804.381,"endTime":1804.47,"body":"you"},{"speaker":"Rod Griffin","startTime":1804.471,"endTime":1804.62,"body":"don't"},{"speaker":"Rod Griffin","startTime":1804.621,"endTime":1804.98,"body":"already"},{"speaker":"Rod Griffin","startTime":1804.981,"endTime":1805.43,"body":"have"},{"speaker":"Rod Griffin","startTime":1805.49,"endTime":1805.61,"body":"a"},{"speaker":"Rod Griffin","startTime":1805.611,"endTime":1806.0,"body":"current"},{"speaker":"Rod Griffin","startTime":1806.001,"endTime":1806.48,"body":"report."},{"speaker":"Rod Griffin","startTime":1806.66,"endTime":1806.87,"body":"So"},{"speaker":"Rod Griffin","startTime":1806.871,"endTime":1806.99,"body":"we'll"},{"speaker":"Rod Griffin","startTime":1806.991,"endTime":1807.2,"body":"ask"},{"speaker":"Rod Griffin","startTime":1807.201,"endTime":1807.29,"body":"for"},{"speaker":"Rod Griffin","startTime":1807.291,"endTime":1807.44,"body":"some"},{"speaker":"Rod Griffin","startTime":1807.441,"endTime":1808.01,"body":"information"},{"speaker":"Rod Griffin","startTime":1808.011,"endTime":1808.13,"body":"and"},{"speaker":"Rod Griffin","startTime":1808.131,"endTime":1808.4,"body":"we'll"},{"speaker":"Rod Griffin","startTime":1808.46,"endTime":1808.85,"body":"provide"},{"speaker":"Rod Griffin","startTime":1808.851,"endTime":1808.88,"body":"a"},{"speaker":"Rod Griffin","startTime":1808.881,"endTime":1809.21,"body":"report"},{"speaker":"Rod Griffin","startTime":1809.211,"endTime":1809.36,"body":"right"},{"speaker":"Rod Griffin","startTime":1809.361,"endTime":1809.75,"body":"online."},{"speaker":"Rod Griffin","startTime":1809.751,"endTime":1809.9,"body":"It's"},{"speaker":"Rod Griffin","startTime":1810.05,"endTime":1810.11,"body":"a"},{"speaker":"Rod Griffin","startTime":1810.52,"endTime":1810.52,"body":"security"},{"speaker":"Rod Griffin","startTime":1810.521,"endTime":1810.92,"body":"encrypted"},{"speaker":"Rod Griffin","startTime":1810.921,"endTime":1811.4,"body":"system."},{"speaker":"Rod Griffin","startTime":1811.82,"endTime":1812.03,"body":"If"},{"speaker":"Rod Griffin","startTime":1812.031,"endTime":1812.21,"body":"you"},{"speaker":"Rod Griffin","startTime":1812.211,"endTime":1812.57,"body":"have"},{"speaker":"Rod Griffin","startTime":1812.571,"endTime":1812.66,"body":"a"},{"speaker":"Rod Griffin","startTime":1812.661,"endTime":1813.05,"body":"current"},{"speaker":"Rod Griffin","startTime":1813.62,"endTime":1814.13,"body":"copy"},{"speaker":"Rod Griffin","startTime":1814.131,"endTime":1814.25,"body":"of"},{"speaker":"Rod Griffin","startTime":1814.251,"endTime":1814.43,"body":"your"},{"speaker":"Rod Griffin","startTime":1814.431,"endTime":1814.97,"body":"consumer"},{"speaker":"Rod Griffin","startTime":1814.971,"endTime":1815.33,"body":"report,"},{"speaker":"Rod Griffin","startTime":1815.331,"endTime":1815.48,"body":"for"},{"speaker":"Rod Griffin","startTime":1815.481,"endTime":1815.93,"body":"example,"},{"speaker":"Rod Griffin","startTime":1815.931,"endTime":1816.05,"body":"you"},{"speaker":"Rod Griffin","startTime":1816.051,"endTime":1816.2,"body":"went"},{"speaker":"Rod Griffin","startTime":1816.201,"endTime":1816.5,"body":"to"},{"speaker":"Rod Griffin","startTime":1816.56,"endTime":1816.8,"body":"annualcreditreport.com"},{"speaker":"Rod Griffin","startTime":1817.701,"endTime":1817.79,"body":"and"},{"speaker":"Rod Griffin","startTime":1817.791,"endTime":1817.97,"body":"got"},{"speaker":"Rod Griffin","startTime":1817.971,"endTime":1818.0,"body":"a"},{"speaker":"Rod Griffin","startTime":1818.001,"endTime":1818.45,"body":"copy."},{"speaker":"Rod Griffin","startTime":1818.72,"endTime":1818.87,"body":"You"},{"speaker":"Rod Griffin","startTime":1818.871,"endTime":1819.08,"body":"can"},{"speaker":"Rod Griffin","startTime":1819.081,"endTime":1819.26,"body":"put"},{"speaker":"Rod Griffin","startTime":1819.261,"endTime":1819.32,"body":"the"},{"speaker":"Rod Griffin","startTime":1819.321,"endTime":1819.65,"body":"report"},{"speaker":"Rod Griffin","startTime":1819.651,"endTime":1819.92,"body":"number"},{"speaker":"Rod Griffin","startTime":1819.921,"endTime":1820.16,"body":"in"},{"speaker":"Rod Griffin","startTime":1820.19,"endTime":1820.4,"body":"that"},{"speaker":"Rod Griffin","startTime":1820.401,"endTime":1820.52,"body":"will"},{"speaker":"Rod Griffin","startTime":1820.521,"endTime":1820.73,"body":"come"},{"speaker":"Rod Griffin","startTime":1820.731,"endTime":1820.88,"body":"up"},{"speaker":"Rod Griffin","startTime":1820.881,"endTime":1821.09,"body":"right"},{"speaker":"Rod Griffin","startTime":1821.091,"endTime":1821.21,"body":"on"},{"speaker":"Rod Griffin","startTime":1821.211,"endTime":1821.63,"body":"screen,"},{"speaker":"Rod Griffin","startTime":1821.66,"endTime":1821.96,"body":"really"},{"speaker":"Rod Griffin","startTime":1821.961,"endTime":1822.29,"body":"simple"},{"speaker":"Rod Griffin","startTime":1822.291,"endTime":1822.41,"body":"to"},{"speaker":"Rod Griffin","startTime":1822.411,"endTime":1822.65,"body":"do."},{"speaker":"Rod Griffin","startTime":1823.13,"endTime":1823.28,"body":"And"},{"speaker":"Rod Griffin","startTime":1823.281,"endTime":1823.43,"body":"with"},{"speaker":"Rod Griffin","startTime":1823.46,"endTime":1823.79,"body":"each"},{"speaker":"Rod Griffin","startTime":1823.82,"endTime":1824.33,"body":"entry,"},{"speaker":"Rod Griffin","startTime":1824.63,"endTime":1824.9,"body":"there's"},{"speaker":"Rod Griffin","startTime":1824.901,"endTime":1824.96,"body":"a"},{"speaker":"Rod Griffin","startTime":1824.961,"endTime":1825.32,"body":"button"},{"speaker":"Rod Griffin","startTime":1825.321,"endTime":1825.41,"body":"that"},{"speaker":"Rod Griffin","startTime":1825.411,"endTime":1825.59,"body":"says,"},{"speaker":"Rod Griffin","startTime":1825.591,"endTime":1825.65,"body":"I"},{"speaker":"Rod Griffin","startTime":1825.651,"endTime":1825.83,"body":"need"},{"speaker":"Rod Griffin","startTime":1825.831,"endTime":1825.95,"body":"to"},{"speaker":"Rod Griffin","startTime":1825.951,"endTime":1826.43,"body":"dispute."},{"speaker":"Rod Griffin","startTime":1826.431,"endTime":1826.55,"body":"You"},{"speaker":"Rod Griffin","startTime":1826.64,"endTime":1826.64,"body":"can"},{"speaker":"Rod Griffin","startTime":1826.641,"endTime":1826.88,"body":"click"},{"speaker":"Rod Griffin","startTime":1826.881,"endTime":1827.09,"body":"that"},{"speaker":"Rod Griffin","startTime":1827.42,"endTime":1827.78,"body":"button"},{"speaker":"Rod Griffin","startTime":1827.781,"endTime":1827.93,"body":"and"},{"speaker":"Rod Griffin","startTime":1827.931,"endTime":1828.26,"body":"follow"},{"speaker":"Rod Griffin","startTime":1828.261,"endTime":1828.38,"body":"the"},{"speaker":"Rod Griffin","startTime":1828.381,"endTime":1829.04,"body":"instructions."},{"speaker":"Rod Griffin","startTime":1829.16,"endTime":1829.16,"body":"We'll"},{"speaker":"Rod Griffin","startTime":1829.161,"endTime":1829.73,"body":"provide"},{"speaker":"Rod Griffin","startTime":1830.12,"endTime":1830.69,"body":"information"},{"speaker":"Rod Griffin","startTime":1830.691,"endTime":1830.96,"body":"along"},{"speaker":"Rod Griffin","startTime":1830.961,"endTime":1831.05,"body":"the"},{"speaker":"Rod Griffin","startTime":1831.051,"endTime":1831.32,"body":"way"},{"speaker":"Rod Griffin","startTime":1831.321,"endTime":1831.44,"body":"and"},{"speaker":"Rod Griffin","startTime":1831.441,"endTime":1831.98,"body":"educational"},{"speaker":"Rod Griffin","startTime":1831.981,"endTime":1832.64,"body":"information."},{"speaker":"Rod Griffin","startTime":1832.97,"endTime":1833.15,"body":"When"},{"speaker":"Rod Griffin","startTime":1833.151,"endTime":1833.3,"body":"you're,"},{"speaker":"Rod Griffin","startTime":1833.84,"endTime":1834.02,"body":"when"},{"speaker":"Rod Griffin","startTime":1834.021,"endTime":1834.17,"body":"you're"},{"speaker":"Rod Griffin","startTime":1834.171,"endTime":1834.53,"body":"finished"},{"speaker":"Rod Griffin","startTime":1834.531,"endTime":1834.8,"body":"entering"},{"speaker":"Rod Griffin","startTime":1834.801,"endTime":1834.92,"body":"your"},{"speaker":"Rod Griffin","startTime":1834.921,"endTime":1835.4,"body":"disputes,"},{"speaker":"Rod Griffin","startTime":1835.401,"endTime":1835.55,"body":"you"},{"speaker":"Rod Griffin","startTime":1835.551,"endTime":1835.76,"body":"hit"},{"speaker":"Rod Griffin","startTime":1835.761,"endTime":1836.27,"body":"submit."},{"speaker":"Rod Griffin","startTime":1836.54,"endTime":1836.69,"body":"And"},{"speaker":"Rod Griffin","startTime":1836.691,"endTime":1836.78,"body":"it"},{"speaker":"Rod Griffin","startTime":1836.781,"endTime":1836.93,"body":"goes"},{"speaker":"Rod Griffin","startTime":1836.931,"endTime":1837.11,"body":"right"},{"speaker":"Rod Griffin","startTime":1837.111,"endTime":1837.29,"body":"into"},{"speaker":"Rod Griffin","startTime":1837.291,"endTime":1837.41,"body":"our"},{"speaker":"Rod Griffin","startTime":1837.411,"endTime":1837.77,"body":"dispute"},{"speaker":"Rod Griffin","startTime":1837.771,"endTime":1838.25,"body":"system"},{"speaker":"Rod Griffin","startTime":1838.67,"endTime":1839.18,"body":"and"},{"speaker":"Rod Griffin","startTime":1839.21,"endTime":1839.75,"body":"goes"},{"speaker":"Rod Griffin","startTime":1839.81,"endTime":1839.99,"body":"to"},{"speaker":"Rod Griffin","startTime":1839.991,"endTime":1840.14,"body":"the"},{"speaker":"Rod Griffin","startTime":1840.141,"endTime":1840.56,"body":"sources"},{"speaker":"Rod Griffin","startTime":1840.561,"endTime":1840.74,"body":"of"},{"speaker":"Rod Griffin","startTime":1840.741,"endTime":1840.92,"body":"that"},{"speaker":"Rod Griffin","startTime":1840.921,"endTime":1841.49,"body":"information,"},{"speaker":"Rod Griffin","startTime":1841.52,"endTime":1841.76,"body":"who"},{"speaker":"Rod Griffin","startTime":1842.001,"endTime":1842.36,"body":"then"},{"speaker":"Rod Griffin","startTime":1842.361,"endTime":1842.75,"body":"must"},{"speaker":"Rod Griffin","startTime":1842.751,"endTime":1843.47,"body":"verify"},{"speaker":"Rod Griffin","startTime":1843.5,"endTime":1843.95,"body":"or"},{"speaker":"Rod Griffin","startTime":1844.25,"endTime":1844.4,"body":"the"},{"speaker":"Rod Griffin","startTime":1844.401,"endTime":1844.91,"body":"information"},{"speaker":"Rod Griffin","startTime":1844.94,"endTime":1845.15,"body":"or"},{"speaker":"Rod Griffin","startTime":1845.151,"endTime":1845.45,"body":"tell"},{"speaker":"Rod Griffin","startTime":1845.451,"endTime":1845.63,"body":"us"},{"speaker":"Rod Griffin","startTime":1845.631,"endTime":1845.81,"body":"that"},{"speaker":"Rod Griffin","startTime":1845.811,"endTime":1845.9,"body":"it"},{"speaker":"Rod Griffin","startTime":1845.901,"endTime":1846.08,"body":"should"},{"speaker":"Rod Griffin","startTime":1846.081,"endTime":1846.32,"body":"be"},{"speaker":"Rod Griffin","startTime":1846.32,"endTime":1846.32,"body":","},{"speaker":"Rod Griffin","startTime":1847.15,"endTime":1847.64,"body":"updated"},{"speaker":"Rod Griffin","startTime":1847.641,"endTime":1847.73,"body":"in"},{"speaker":"Rod Griffin","startTime":1847.731,"endTime":1847.94,"body":"some"},{"speaker":"Rod Griffin","startTime":1847.941,"endTime":1848.12,"body":"way"},{"speaker":"Rod Griffin","startTime":1848.121,"endTime":1848.27,"body":"or"},{"speaker":"Rod Griffin","startTime":1848.63,"endTime":1848.63,"body":"removed"},{"speaker":"Rod Griffin","startTime":1848.631,"endTime":1848.78,"body":"from"},{"speaker":"Rod Griffin","startTime":1848.781,"endTime":1848.84,"body":"the"},{"speaker":"Rod Griffin","startTime":1848.841,"endTime":1849.32,"body":"report."},{"speaker":"Rod Griffin","startTime":1849.8,"endTime":1849.8,"body":"We"},{"speaker":"Rod Griffin","startTime":1849.95,"endTime":1849.95,"body":"will"},{"speaker":"Rod Griffin","startTime":1849.951,"endTime":1850.37,"body":"notify"},{"speaker":"Rod Griffin","startTime":1850.371,"endTime":1850.49,"body":"you"},{"speaker":"Rod Griffin","startTime":1850.491,"endTime":1850.55,"body":"of"},{"speaker":"Rod Griffin","startTime":1850.551,"endTime":1850.64,"body":"the"},{"speaker":"Rod Griffin","startTime":1850.641,"endTime":1851.09,"body":"results"},{"speaker":"Rod Griffin","startTime":1851.091,"endTime":1851.21,"body":"of"},{"speaker":"Rod Griffin","startTime":1851.211,"endTime":1851.45,"body":"those"},{"speaker":"Rod Griffin","startTime":1851.451,"endTime":1852.02,"body":"disputes."},{"speaker":"Rod Griffin","startTime":1852.021,"endTime":1852.17,"body":"It's"},{"speaker":"Rod Griffin","startTime":1852.2,"endTime":1852.44,"body":"very"},{"speaker":"Rod Griffin","startTime":1852.441,"endTime":1852.77,"body":"simple"},{"speaker":"Rod Griffin","startTime":1852.771,"endTime":1852.89,"body":"to"},{"speaker":"Rod Griffin","startTime":1852.891,"endTime":1853.13,"body":"do."},{"speaker":"Rod Griffin","startTime":1853.94,"endTime":1854.27,"body":"If"},{"speaker":"Rod Griffin","startTime":1854.271,"endTime":1854.6,"body":"you"},{"speaker":"Rod Griffin","startTime":1854.69,"endTime":1855.41,"body":"disagree"},{"speaker":"Rod Griffin","startTime":1855.411,"endTime":1855.59,"body":"with"},{"speaker":"Rod Griffin","startTime":1855.591,"endTime":1855.65,"body":"the"},{"speaker":"Rod Griffin","startTime":1855.591,"endTime":1855.65,"body":"results,"},{"speaker":"Rod Griffin","startTime":1855.591,"endTime":1855.65,"body":"another"},{"speaker":"Rod Griffin","startTime":1857.481,"endTime":1857.69,"body":"thing"},{"speaker":"Rod Griffin","startTime":1857.78,"endTime":1857.78,"body":"that"},{"speaker":"Rod Griffin","startTime":1857.84,"endTime":1857.84,"body":"you"},{"speaker":"Rod Griffin","startTime":1857.841,"endTime":1857.99,"body":"should,"},{"speaker":"Rod Griffin","startTime":1858.05,"endTime":1858.23,"body":"that"},{"speaker":"Rod Griffin","startTime":1858.231,"endTime":1858.47,"body":"people"},{"speaker":"Rod Griffin","startTime":1858.471,"endTime":1858.65,"body":"should"},{"speaker":"Rod Griffin","startTime":1858.651,"endTime":1858.8,"body":"know"},{"speaker":"Rod Griffin","startTime":1858.801,"endTime":1859.01,"body":"is"},{"speaker":"Rod Griffin","startTime":1859.31,"endTime":1859.49,"body":"you"},{"speaker":"Rod Griffin","startTime":1859.491,"endTime":1859.7,"body":"should"},{"speaker":"Rod Griffin","startTime":1859.701,"endTime":1859.91,"body":"add"},{"speaker":"Rod Griffin","startTime":1859.911,"endTime":1860.0,"body":"what"},{"speaker":"Rod Griffin","startTime":1860.001,"endTime":1860.09,"body":"we"},{"speaker":"Rod Griffin","startTime":1860.091,"endTime":1860.27,"body":"call"},{"speaker":"Rod Griffin","startTime":1860.271,"endTime":1860.36,"body":"a"},{"speaker":"Rod Griffin","startTime":1860.361,"endTime":1860.9,"body":"statement"},{"speaker":"Rod Griffin","startTime":1860.96,"endTime":1861.14,"body":"of"},{"speaker":"Rod Griffin","startTime":1861.141,"endTime":1861.65,"body":"dispute"},{"speaker":"Rod Griffin","startTime":1861.651,"endTime":1861.77,"body":"to"},{"speaker":"Rod Griffin","startTime":1861.771,"endTime":1861.86,"body":"your"},{"speaker":"Rod Griffin","startTime":1861.861,"endTime":1862.16,"body":"credit"},{"speaker":"Rod Griffin","startTime":1862.161,"endTime":1862.55,"body":"report."},{"speaker":"Rod Griffin","startTime":1862.94,"endTime":1863.06,"body":"It"},{"speaker":"Rod Griffin","startTime":1863.061,"endTime":1863.3,"body":"says,"},{"speaker":"Rod Griffin","startTime":1863.301,"endTime":1863.39,"body":"I"},{"speaker":"Rod Griffin","startTime":1863.391,"endTime":1863.87,"body":"disagree"},{"speaker":"Rod Griffin","startTime":1863.871,"endTime":1864.02,"body":"with"},{"speaker":"Rod Griffin","startTime":1864.021,"endTime":1864.14,"body":"the"},{"speaker":"Rod Griffin","startTime":1864.141,"endTime":1864.59,"body":"results"},{"speaker":"Rod Griffin","startTime":1864.591,"endTime":1864.68,"body":"that"},{"speaker":"Rod Griffin","startTime":1864.681,"endTime":1864.92,"body":"here's"},{"speaker":"Rod Griffin","startTime":1864.921,"endTime":1865.37,"body":"why,"},{"speaker":"Rod Griffin","startTime":1865.79,"endTime":1865.94,"body":"and"},{"speaker":"Rod Griffin","startTime":1865.941,"endTime":1866.06,"body":"we"},{"speaker":"Rod Griffin","startTime":1866.061,"endTime":1866.18,"body":"can"},{"speaker":"Rod Griffin","startTime":1866.181,"endTime":1866.36,"body":"help"},{"speaker":"Rod Griffin","startTime":1866.361,"endTime":1866.45,"body":"you"},{"speaker":"Rod Griffin","startTime":1866.451,"endTime":1866.6,"body":"do"},{"speaker":"Rod Griffin","startTime":1866.601,"endTime":1866.84,"body":"that"},{"speaker":"Rod Griffin","startTime":1866.841,"endTime":1867.08,"body":"again,"},{"speaker":"Rod Griffin","startTime":1867.081,"endTime":1867.47,"body":"online,"},{"speaker":"Rod Griffin","startTime":1867.471,"endTime":1867.65,"body":"you'll"},{"speaker":"Rod Griffin","startTime":1867.651,"endTime":1867.89,"body":"get"},{"speaker":"Rod Griffin","startTime":1867.891,"endTime":1868.7,"body":"instructions"},{"speaker":"Rod Griffin","startTime":1868.76,"endTime":1868.97,"body":"as"},{"speaker":"Rod Griffin","startTime":1868.971,"endTime":1869.06,"body":"you"},{"speaker":"Rod Griffin","startTime":1869.061,"endTime":1869.18,"body":"go"},{"speaker":"Rod Griffin","startTime":1869.181,"endTime":1869.3,"body":"through"},{"speaker":"Rod Griffin","startTime":1869.301,"endTime":1869.48,"body":"that"},{"speaker":"Rod Griffin","startTime":1869.481,"endTime":1869.84,"body":"dispute"},{"speaker":"Rod Griffin","startTime":1869.841,"endTime":1870.32,"body":"process."},{"speaker":"Rebecca Wiggins","startTime":1870.62,"endTime":1870.89,"body":"So"},{"speaker":"Rebecca Wiggins","startTime":1870.891,"endTime":1871.16,"body":"Rod,"},{"speaker":"Rebecca Wiggins","startTime":1871.161,"endTime":1871.31,"body":"I'm"},{"speaker":"Rebecca Wiggins","startTime":1871.311,"endTime":1871.58,"body":"just"},{"speaker":"Rebecca Wiggins","startTime":1871.581,"endTime":1872.03,"body":"curious,"},{"speaker":"Rebecca Wiggins","startTime":1872.031,"endTime":1872.39,"body":"speaking"},{"speaker":"Rebecca Wiggins","startTime":1872.391,"endTime":1872.66,"body":"about"},{"speaker":"Rebecca Wiggins","startTime":1872.661,"endTime":1873.41,"body":"COVID-19"},{"speaker":"Rebecca Wiggins","startTime":1873.411,"endTime":1873.47,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":1873.471,"endTime":1873.65,"body":"little"},{"speaker":"Rebecca Wiggins","startTime":1873.651,"endTime":1873.83,"body":"bit,"},{"speaker":"Rebecca Wiggins","startTime":1873.831,"endTime":1873.95,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":1873.951,"endTime":1874.16,"body":"from"},{"speaker":"Rebecca Wiggins","startTime":1874.161,"endTime":1874.43,"body":"your"},{"speaker":"Rebecca Wiggins","startTime":1874.431,"endTime":1874.91,"body":"vantage"},{"speaker":"Rebecca Wiggins","startTime":1874.94,"endTime":1875.42,"body":"point"},{"speaker":"Rebecca Wiggins","startTime":1875.45,"endTime":1875.84,"body":"in,"},{"speaker":"Rebecca Wiggins","startTime":1875.87,"endTime":1876.05,"body":"you"},{"speaker":"Rebecca Wiggins","startTime":1876.051,"endTime":1876.14,"body":"know,"},{"speaker":"Rebecca Wiggins","startTime":1876.141,"endTime":1876.35,"body":"sort"},{"speaker":"Rebecca Wiggins","startTime":1876.351,"endTime":1876.41,"body":"of"},{"speaker":"Rebecca Wiggins","startTime":1876.411,"endTime":1876.59,"body":"from"},{"speaker":"Rebecca Wiggins","startTime":1876.591,"endTime":1876.68,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":1876.681,"endTime":1877.01,"body":"credit"},{"speaker":"Rebecca Wiggins","startTime":1877.011,"endTime":1877.28,"body":"side"},{"speaker":"Rebecca Wiggins","startTime":1877.281,"endTime":1877.37,"body":"of"},{"speaker":"Rebecca Wiggins","startTime":1877.371,"endTime":1877.46,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":1877.461,"endTime":1878.0,"body":"field,"},{"speaker":"Rebecca Wiggins","startTime":1878.001,"endTime":1878.36,"body":"what"},{"speaker":"Rebecca Wiggins","startTime":1878.361,"endTime":1878.93,"body":"changes"},{"speaker":"Rebecca Wiggins","startTime":1878.931,"endTime":1879.2,"body":"or"},{"speaker":"Rebecca Wiggins","startTime":1879.201,"endTime":1879.68,"body":"trends"},{"speaker":"Rebecca Wiggins","startTime":1879.681,"endTime":1879.89,"body":"have"},{"speaker":"Rebecca Wiggins","startTime":1879.891,"endTime":1880.13,"body":"you"},{"speaker":"Rebecca Wiggins","startTime":1880.131,"endTime":1880.55,"body":"seen"},{"speaker":"Rebecca Wiggins","startTime":1880.551,"endTime":1880.73,"body":"as"},{"speaker":"Rebecca Wiggins","startTime":1880.731,"endTime":1880.79,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":1880.791,"endTime":1881.18,"body":"result"},{"speaker":"Rebecca Wiggins","startTime":1881.181,"endTime":1881.27,"body":"of"},{"speaker":"Rebecca Wiggins","startTime":1881.271,"endTime":1881.39,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":1881.391,"endTime":1882.14,"body":"pandemic?"},{"speaker":"Rod Griffin","startTime":1882.38,"endTime":1882.56,"body":"Yes,"},{"speaker":"Rod Griffin","startTime":1882.38,"endTime":1882.56,"body":"It's"},{"speaker":"Rod Griffin","startTime":1882.561,"endTime":1882.77,"body":"been"},{"speaker":"Rod Griffin","startTime":1882.771,"endTime":1883.4,"body":"really"},{"speaker":"Rod Griffin","startTime":1883.401,"endTime":1884.12,"body":"interesting."},{"speaker":"Rod Griffin","startTime":1884.39,"endTime":1884.69,"body":"You"},{"speaker":"Rod Griffin","startTime":1884.691,"endTime":1884.93,"body":"would"},{"speaker":"Rod Griffin","startTime":1884.931,"endTime":1885.44,"body":"think"},{"speaker":"Rod Griffin","startTime":1885.441,"endTime":1885.89,"body":"that"},{"speaker":"Rod Griffin","startTime":1886.19,"endTime":1886.46,"body":"with"},{"speaker":"Rod Griffin","startTime":1886.461,"endTime":1887.21,"body":"something"},{"speaker":"Rod Griffin","startTime":1887.3,"endTime":1887.69,"body":"like"},{"speaker":"Rod Griffin","startTime":1887.691,"endTime":1888.2,"body":"COVID"},{"speaker":"Rod Griffin","startTime":1888.201,"endTime":1888.32,"body":"and"},{"speaker":"Rod Griffin","startTime":1888.321,"endTime":1888.44,"body":"the"},{"speaker":"Rod Griffin","startTime":1888.441,"endTime":1888.89,"body":"economy"},{"speaker":"Rod Griffin","startTime":1888.891,"endTime":1889.25,"body":"shutting"},{"speaker":"Rod Griffin","startTime":1889.251,"endTime":1889.61,"body":"down"},{"speaker":"Rod Griffin","startTime":1889.611,"endTime":1889.76,"body":"that"},{"speaker":"Rod Griffin","startTime":1889.761,"endTime":1890.21,"body":"people's"},{"speaker":"Rod Griffin","startTime":1890.211,"endTime":1890.69,"body":"credit"},{"speaker":"Rod Griffin","startTime":1890.72,"endTime":1890.9,"body":"would"},{"speaker":"Rod Griffin","startTime":1890.901,"endTime":1890.99,"body":"have"},{"speaker":"Rod Griffin","startTime":1890.991,"endTime":1891.44,"body":"suffered,"},{"speaker":"Rod Griffin","startTime":1891.441,"endTime":1891.53,"body":"their"},{"speaker":"Rod Griffin","startTime":1891.531,"endTime":1891.95,"body":"scores"},{"speaker":"Rod Griffin","startTime":1891.951,"endTime":1892.07,"body":"would"},{"speaker":"Rod Griffin","startTime":1892.071,"endTime":1892.16,"body":"have"},{"speaker":"Rod Griffin","startTime":1892.161,"endTime":1892.37,"body":"gone"},{"speaker":"Rod Griffin","startTime":1892.371,"endTime":1892.73,"body":"down."},{"speaker":"Rod Griffin","startTime":1893.42,"endTime":1893.6,"body":"It's"},{"speaker":"Rod Griffin","startTime":1893.601,"endTime":1893.93,"body":"actually"},{"speaker":"Rod Griffin","startTime":1893.931,"endTime":1894.11,"body":"been"},{"speaker":"Rod Griffin","startTime":1894.111,"endTime":1894.2,"body":"the"},{"speaker":"Rod Griffin","startTime":1894.201,"endTime":1894.74,"body":"opposite."},{"speaker":"Rod Griffin","startTime":1895.37,"endTime":1895.76,"body":"When"},{"speaker":"Rod Griffin","startTime":1895.761,"endTime":1896.24,"body":"COVID"},{"speaker":"Rod Griffin","startTime":1896.241,"endTime":1897.17,"body":"began"},{"speaker":"Rod Griffin","startTime":1897.77,"endTime":1898.64,"body":"people,"},{"speaker":"Rod Griffin","startTime":1899.24,"endTime":1899.6,"body":"based"},{"speaker":"Rod Griffin","startTime":1899.601,"endTime":1899.75,"body":"on"},{"speaker":"Rod Griffin","startTime":1899.87,"endTime":1899.87,"body":"what"},{"speaker":"Rod Griffin","startTime":1899.9,"endTime":1900.05,"body":"the"},{"speaker":"Rod Griffin","startTime":1900.051,"endTime":1900.29,"body":"data"},{"speaker":"Rod Griffin","startTime":1900.291,"endTime":1900.41,"body":"we"},{"speaker":"Rod Griffin","startTime":1900.411,"endTime":1900.5,"body":"were"},{"speaker":"Rod Griffin","startTime":1900.501,"endTime":1900.98,"body":"seeing"},{"speaker":"Rod Griffin","startTime":1901.01,"endTime":1901.46,"body":"started"},{"speaker":"Rod Griffin","startTime":1901.461,"endTime":1901.97,"body":"saving,"},{"speaker":"Rod Griffin","startTime":1902.66,"endTime":1902.84,"body":"they"},{"speaker":"Rod Griffin","startTime":1902.841,"endTime":1903.23,"body":"actually"},{"speaker":"Rod Griffin","startTime":1903.231,"endTime":1903.92,"body":"reduced"},{"speaker":"Rod Griffin","startTime":1903.921,"endTime":1904.04,"body":"their"},{"speaker":"Rod Griffin","startTime":1904.041,"endTime":1904.37,"body":"credit"},{"speaker":"Rod Griffin","startTime":1904.371,"endTime":1904.85,"body":"card"},{"speaker":"Rod Griffin","startTime":1905.12,"endTime":1905.96,"body":"balances"},{"speaker":"Rod Griffin","startTime":1906.2,"endTime":1906.8,"body":"and"},{"speaker":"Rod Griffin","startTime":1906.83,"endTime":1907.46,"body":"their"},{"speaker":"Rod Griffin","startTime":1907.49,"endTime":1908.12,"body":"delinquency"},{"speaker":"Rod Griffin","startTime":1908.121,"endTime":1908.36,"body":"rates"},{"speaker":"Rod Griffin","startTime":1908.361,"endTime":1908.48,"body":"have"},{"speaker":"Rod Griffin","startTime":1908.481,"endTime":1908.72,"body":"gone"},{"speaker":"Rod Griffin","startTime":1908.721,"endTime":1909.14,"body":"down"},{"speaker":"Rod Griffin","startTime":1909.2,"endTime":1909.35,"body":"and"},{"speaker":"Rod Griffin","startTime":1909.351,"endTime":1909.74,"body":"scores"},{"speaker":"Rod Griffin","startTime":1909.741,"endTime":1909.83,"body":"have"},{"speaker":"Rod Griffin","startTime":1909.831,"endTime":1910.22,"body":"actually"},{"speaker":"Rod Griffin","startTime":1910.64,"endTime":1910.91,"body":"gone"},{"speaker":"Rod Griffin","startTime":1910.911,"endTime":1911.03,"body":"up"},{"speaker":"Rod Griffin","startTime":1911.031,"endTime":1911.12,"body":"a"},{"speaker":"Rod Griffin","startTime":1911.121,"endTime":1911.39,"body":"little"},{"speaker":"Rod Griffin","startTime":1911.391,"endTime":1911.66,"body":"bit."},{"speaker":"Rod Griffin","startTime":1912.32,"endTime":1912.65,"body":"So"},{"speaker":"Rod Griffin","startTime":1912.651,"endTime":1912.8,"body":"on"},{"speaker":"Rod Griffin","startTime":1912.801,"endTime":1912.92,"body":"the"},{"speaker":"Rod Griffin","startTime":1912.921,"endTime":1913.64,"body":"whole,"},{"speaker":"Rod Griffin","startTime":1913.97,"endTime":1914.36,"body":"people's"},{"speaker":"Rod Griffin","startTime":1914.361,"endTime":1915.26,"body":"behavior"},{"speaker":"Rod Griffin","startTime":1915.41,"endTime":1915.71,"body":"with"},{"speaker":"Rod Griffin","startTime":1915.74,"endTime":1915.92,"body":"their"},{"speaker":"Rod Griffin","startTime":1915.921,"endTime":1916.4,"body":"credit"},{"speaker":"Rod Griffin","startTime":1916.76,"endTime":1916.94,"body":"has"},{"speaker":"Rod Griffin","startTime":1916.941,"endTime":1917.09,"body":"been"},{"speaker":"Rod Griffin","startTime":1916.941,"endTime":1917.09,"body":"beneficial."},{"speaker":"Rod Griffin","startTime":1917.091,"endTime":1917.66,"body":"They've"},{"speaker":"Rod Griffin","startTime":1918.201,"endTime":1918.62,"body":"actually"},{"speaker":"Rod Griffin","startTime":1918.74,"endTime":1919.01,"body":"done"},{"speaker":"Rod Griffin","startTime":1919.011,"endTime":1919.34,"body":"very"},{"speaker":"Rod Griffin","startTime":1919.341,"endTime":1919.97,"body":"well"},{"speaker":"Rod Griffin","startTime":1920.31,"endTime":1920.96,"body":"relative"},{"speaker":"Rod Griffin","startTime":1920.961,"endTime":1921.05,"body":"to"},{"speaker":"Rod Griffin","startTime":1921.051,"endTime":1921.23,"body":"what"},{"speaker":"Rod Griffin","startTime":1921.231,"endTime":1921.62,"body":"we've,"},{"speaker":"Rod Griffin","startTime":1921.68,"endTime":1921.83,"body":"you"},{"speaker":"Rod Griffin","startTime":1921.831,"endTime":1921.9,"body":"know,"},{"speaker":"Rod Griffin","startTime":1921.901,"endTime":1922.01,"body":"we've"},{"speaker":"Rod Griffin","startTime":1922.04,"endTime":1922.46,"body":"seen."},{"speaker":"Rod Griffin","startTime":1922.461,"endTime":1922.61,"body":"So"},{"speaker":"Rod Griffin","startTime":1922.611,"endTime":1922.76,"body":"we've"},{"speaker":"Rod Griffin","startTime":1922.761,"endTime":1922.97,"body":"kind"},{"speaker":"Rod Griffin","startTime":1922.971,"endTime":1923.09,"body":"of"},{"speaker":"Rod Griffin","startTime":1923.091,"endTime":1923.77,"body":"continued"},{"speaker":"Rod Griffin","startTime":1923.78,"endTime":1923.84,"body":"a"},{"speaker":"Rod Griffin","startTime":1923.841,"endTime":1924.41,"body":"trend"},{"speaker":"Rod Griffin","startTime":1924.411,"endTime":1924.68,"body":"over"},{"speaker":"Rod Griffin","startTime":1924.681,"endTime":1924.83,"body":"the"},{"speaker":"Rod Griffin","startTime":1924.831,"endTime":1925.16,"body":"last"},{"speaker":"Rod Griffin","startTime":1925.161,"endTime":1925.67,"body":"decade"},{"speaker":"Rod Griffin","startTime":1925.67,"endTime":1925.67,"body":","},{"speaker":"Rod Griffin","startTime":1926.84,"endTime":1927.47,"body":"scores,"},{"speaker":"Rod Griffin","startTime":1927.71,"endTime":1928.34,"body":"gradually"},{"speaker":"Rod Griffin","startTime":1928.341,"endTime":1928.94,"body":"improving."},{"speaker":"Rod Griffin","startTime":1929.15,"endTime":1929.3,"body":"So"},{"speaker":"Rod Griffin","startTime":1929.301,"endTime":1929.45,"body":"they've"},{"speaker":"Rod Griffin","startTime":1929.451,"endTime":1929.63,"body":"gone"},{"speaker":"Rod Griffin","startTime":1929.631,"endTime":1929.78,"body":"up"},{"speaker":"Rod Griffin","startTime":1929.781,"endTime":1929.87,"body":"a"},{"speaker":"Rod Griffin","startTime":1929.871,"endTime":1930.08,"body":"few"},{"speaker":"Rod Griffin","startTime":1930.081,"endTime":1930.56,"body":"points"},{"speaker":"Rod Griffin","startTime":1931.04,"endTime":1931.34,"body":"rather"},{"speaker":"Rod Griffin","startTime":1931.341,"endTime":1931.49,"body":"than"},{"speaker":"Rod Griffin","startTime":1931.491,"endTime":1931.7,"body":"down."},{"speaker":"Rod Griffin","startTime":1931.701,"endTime":1931.82,"body":"So"},{"speaker":"Rod Griffin","startTime":1931.821,"endTime":1931.91,"body":"it's"},{"speaker":"Rod Griffin","startTime":1931.911,"endTime":1932.03,"body":"been"},{"speaker":"Rod Griffin","startTime":1932.031,"endTime":1932.27,"body":"really"},{"speaker":"Rod Griffin","startTime":1932.271,"endTime":1932.66,"body":"interesting"},{"speaker":"Rod Griffin","startTime":1932.661,"endTime":1932.78,"body":"to"},{"speaker":"Rod Griffin","startTime":1932.781,"endTime":1933.2,"body":"watch."},{"speaker":"Rebecca Wiggins","startTime":1933.38,"endTime":1933.5,"body":"And"},{"speaker":"Rebecca Wiggins","startTime":1933.501,"endTime":1933.65,"body":"are"},{"speaker":"Rebecca Wiggins","startTime":1933.651,"endTime":1933.8,"body":"you"},{"speaker":"Rebecca Wiggins","startTime":1933.801,"endTime":1934.16,"body":"finding"},{"speaker":"Rebecca Wiggins","startTime":1934.161,"endTime":1934.25,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":1934.251,"endTime":1935.0,"body":"correlation"},{"speaker":"Rebecca Wiggins","startTime":1935.001,"endTime":1935.33,"body":"between"},{"speaker":"Rebecca Wiggins","startTime":1935.331,"endTime":1935.42,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":1935.421,"endTime":1935.84,"body":"government"},{"speaker":"Rebecca Wiggins","startTime":1935.841,"endTime":1936.32,"body":"stimulus"},{"speaker":"Rebecca Wiggins","startTime":1936.321,"endTime":1936.8,"body":"payments"},{"speaker":"Rebecca Wiggins","startTime":1936.801,"endTime":1937.01,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":1937.011,"endTime":1937.19,"body":"debt"},{"speaker":"Rebecca Wiggins","startTime":1937.191,"endTime":1937.82,"body":"reduction?"},{"speaker":"Rod Griffin","startTime":1937.99,"endTime":1938.18,"body":"We"},{"speaker":"Rod Griffin","startTime":1938.181,"endTime":1938.51,"body":"can't"},{"speaker":"Rod Griffin","startTime":1938.511,"endTime":1938.69,"body":"make"},{"speaker":"Rod Griffin","startTime":1938.691,"endTime":1938.75,"body":"a"},{"speaker":"Rod Griffin","startTime":1938.751,"endTime":1939.2,"body":"direct"},{"speaker":"Rod Griffin","startTime":1939.201,"endTime":1940.01,"body":"correlation,"},{"speaker":"Rod Griffin","startTime":1940.04,"endTime":1940.28,"body":"but"},{"speaker":"Rod Griffin","startTime":1940.281,"endTime":1940.43,"body":"we"},{"speaker":"Rod Griffin","startTime":1940.431,"endTime":1940.79,"body":"think"},{"speaker":"Rod Griffin","startTime":1940.791,"endTime":1940.97,"body":"that"},{"speaker":"Rod Griffin","startTime":1940.971,"endTime":1941.12,"body":"may"},{"speaker":"Rod Griffin","startTime":1941.121,"endTime":1941.24,"body":"have"},{"speaker":"Rod Griffin","startTime":1941.241,"endTime":1941.99,"body":"something"},{"speaker":"Rod Griffin","startTime":1941.991,"endTime":1942.11,"body":"to"},{"speaker":"Rod Griffin","startTime":1942.111,"endTime":1942.38,"body":"do"},{"speaker":"Rod Griffin","startTime":1942.381,"endTime":1942.53,"body":"with"},{"speaker":"Rod Griffin","startTime":1942.54,"endTime":1942.77,"body":"it."},{"speaker":"Rod Griffin","startTime":1943.16,"endTime":1943.28,"body":"We"},{"speaker":"Rod Griffin","startTime":1943.461,"endTime":1943.85,"body":"know"},{"speaker":"Rod Griffin","startTime":1943.851,"endTime":1944.3,"body":"that,"},{"speaker":"Rod Griffin","startTime":1944.39,"endTime":1944.51,"body":"you"},{"speaker":"Rod Griffin","startTime":1944.511,"endTime":1944.57,"body":"know,"},{"speaker":"Rod Griffin","startTime":1944.571,"endTime":1944.72,"body":"when"},{"speaker":"Rod Griffin","startTime":1944.721,"endTime":1945.29,"body":"people"},{"speaker":"Rod Griffin","startTime":1945.291,"endTime":1945.62,"body":"got"},{"speaker":"Rod Griffin","startTime":1945.621,"endTime":1945.71,"body":"the"},{"speaker":"Rod Griffin","startTime":1945.711,"endTime":1946.22,"body":"stimulus"},{"speaker":"Rod Griffin","startTime":1946.221,"endTime":1946.94,"body":"payments"},{"speaker":"Rod Griffin","startTime":1947.33,"endTime":1947.87,"body":"that"},{"speaker":"Rod Griffin","startTime":1947.9,"endTime":1948.17,"body":"we,"},{"speaker":"Rod Griffin","startTime":1948.44,"endTime":1948.65,"body":"what"},{"speaker":"Rod Griffin","startTime":1948.651,"endTime":1948.8,"body":"we"},{"speaker":"Rod Griffin","startTime":1948.801,"endTime":1949.37,"body":"suspect"},{"speaker":"Rod Griffin","startTime":1949.371,"endTime":1949.52,"body":"is"},{"speaker":"Rod Griffin","startTime":1949.521,"endTime":1949.7,"body":"that"},{"speaker":"Rod Griffin","startTime":1949.701,"endTime":1949.79,"body":"they"},{"speaker":"Rod Griffin","startTime":1949.791,"endTime":1950.12,"body":"use"},{"speaker":"Rod Griffin","startTime":1950.121,"endTime":1950.33,"body":"those"},{"speaker":"Rod Griffin","startTime":1950.331,"endTime":1950.72,"body":"payments"},{"speaker":"Rod Griffin","startTime":1950.721,"endTime":1950.84,"body":"to"},{"speaker":"Rod Griffin","startTime":1950.841,"endTime":1951.23,"body":"reduce"},{"speaker":"Rod Griffin","startTime":1951.231,"endTime":1951.41,"body":"their"},{"speaker":"Rod Griffin","startTime":1951.411,"endTime":1951.98,"body":"debts"},{"speaker":"Rod Griffin","startTime":1952.37,"endTime":1952.76,"body":"or"},{"speaker":"Rod Griffin","startTime":1952.761,"endTime":1953.06,"body":"to"},{"speaker":"Rod Griffin","startTime":1953.09,"endTime":1953.33,"body":"put"},{"speaker":"Rod Griffin","startTime":1953.331,"endTime":1953.57,"body":"into"},{"speaker":"Rod Griffin","startTime":1953.571,"endTime":1954.05,"body":"savings"},{"speaker":"Rod Griffin","startTime":1954.051,"endTime":1954.62,"body":"accounts."},{"speaker":"Rod Griffin","startTime":1955.04,"endTime":1955.25,"body":"And"},{"speaker":"Rod Griffin","startTime":1956.18,"endTime":1956.63,"body":"that"},{"speaker":"Rod Griffin","startTime":1956.75,"endTime":1956.93,"body":"we"},{"speaker":"Rod Griffin","startTime":1956.931,"endTime":1957.17,"body":"think"},{"speaker":"Rod Griffin","startTime":1957.171,"endTime":1957.44,"body":"had"},{"speaker":"Rod Griffin","startTime":1957.441,"endTime":1957.8,"body":"some"},{"speaker":"Rod Griffin","startTime":1957.801,"endTime":1958.52,"body":"correlation"},{"speaker":"Rod Griffin","startTime":1958.521,"endTime":1958.91,"body":"there."},{"speaker":"Rod Griffin","startTime":1959.32,"endTime":1959.56,"body":"But"},{"speaker":"Rod Griffin","startTime":1959.991,"endTime":1960.16,"body":"we,"},{"speaker":"Rod Griffin","startTime":1960.65,"endTime":1960.88,"body":"we"},{"speaker":"Rod Griffin","startTime":1960.881,"endTime":1961.15,"body":"can't"},{"speaker":"Rod Griffin","startTime":1961.151,"endTime":1961.36,"body":"show"},{"speaker":"Rod Griffin","startTime":1961.361,"endTime":1961.57,"body":"that"},{"speaker":"Rod Griffin","startTime":1961.571,"endTime":1962.17,"body":"directly"},{"speaker":"Rod Griffin","startTime":1962.17,"endTime":1962.17,"body":","},{"speaker":"Rod Griffin","startTime":1962.411,"endTime":1962.68,"body":"because"},{"speaker":"Rod Griffin","startTime":1962.681,"endTime":1962.8,"body":"we"},{"speaker":"Rod Griffin","startTime":1962.801,"endTime":1962.95,"body":"don't"},{"speaker":"Rod Griffin","startTime":1962.951,"endTime":1963.16,"body":"really"},{"speaker":"Rod Griffin","startTime":1963.161,"endTime":1963.28,"body":"have"},{"speaker":"Rod Griffin","startTime":1963.281,"endTime":1963.73,"body":"access"},{"speaker":"Rod Griffin","startTime":1963.731,"endTime":1964.36,"body":"to"},{"speaker":"Rod Griffin","startTime":1964.54,"endTime":1964.84,"body":"data"},{"speaker":"Rod Griffin","startTime":1964.841,"endTime":1964.96,"body":"that"},{"speaker":"Rod Griffin","startTime":1964.961,"endTime":1965.38,"body":"shows"},{"speaker":"Rod Griffin","startTime":1965.77,"endTime":1965.95,"body":"what"},{"speaker":"Rod Griffin","startTime":1965.951,"endTime":1966.19,"body":"people"},{"speaker":"Rod Griffin","startTime":1966.191,"endTime":1966.4,"body":"did"},{"speaker":"Rod Griffin","startTime":1966.401,"endTime":1966.49,"body":"or"},{"speaker":"Rod Griffin","startTime":1966.491,"endTime":1966.61,"body":"where"},{"speaker":"Rod Griffin","startTime":1966.611,"endTime":1966.7,"body":"the"},{"speaker":"Rod Griffin","startTime":1966.701,"endTime":1966.91,"body":"money"},{"speaker":"Rod Griffin","startTime":1966.911,"endTime":1967.12,"body":"came"},{"speaker":"Rod Griffin","startTime":1967.121,"endTime":1967.45,"body":"from."},{"speaker":"Rod Griffin","startTime":1967.78,"endTime":1967.93,"body":"But"},{"speaker":"Rod Griffin","startTime":1967.931,"endTime":1968.08,"body":"we"},{"speaker":"Rod Griffin","startTime":1968.081,"endTime":1968.29,"body":"do"},{"speaker":"Rod Griffin","startTime":1968.291,"endTime":1968.8,"body":"know"},{"speaker":"Rod Griffin","startTime":1968.801,"endTime":1969.13,"body":"that"},{"speaker":"Rod Griffin","startTime":1969.37,"endTime":1969.85,"body":"those"},{"speaker":"Rod Griffin","startTime":1970.15,"endTime":1970.69,"body":"balances"},{"speaker":"Rod Griffin","startTime":1970.691,"endTime":1970.81,"body":"on"},{"speaker":"Rod Griffin","startTime":1970.811,"endTime":1970.9,"body":"their"},{"speaker":"Rod Griffin","startTime":1970.901,"endTime":1971.14,"body":"credit"},{"speaker":"Rod Griffin","startTime":1971.141,"endTime":1971.35,"body":"cards"},{"speaker":"Rod Griffin","startTime":1971.351,"endTime":1971.53,"body":"went"},{"speaker":"Rod Griffin","startTime":1971.531,"endTime":1971.92,"body":"down,"},{"speaker":"Rod Griffin","startTime":1972.4,"endTime":1972.76,"body":"that"},{"speaker":"Rod Griffin","startTime":1973.02,"endTime":1973.24,"body":"we"},{"speaker":"Rod Griffin","startTime":1973.241,"endTime":1973.42,"body":"saw"},{"speaker":"Rod Griffin","startTime":1973.421,"endTime":1973.45,"body":"a"},{"speaker":"Rod Griffin","startTime":1973.451,"endTime":1973.93,"body":"reduction"},{"speaker":"Rod Griffin","startTime":1973.931,"endTime":1973.99,"body":"in"},{"speaker":"Rod Griffin","startTime":1973.991,"endTime":1974.53,"body":"delinquency"},{"speaker":"Rod Griffin","startTime":1974.531,"endTime":1974.98,"body":"rates."},{"speaker":"Rod Griffin","startTime":1975.07,"endTime":1975.28,"body":"And"},{"speaker":"Rod Griffin","startTime":1975.281,"endTime":1975.43,"body":"so"},{"speaker":"Rod Griffin","startTime":1975.431,"endTime":1975.55,"body":"we"},{"speaker":"Rod Griffin","startTime":1975.551,"endTime":1975.91,"body":"think"},{"speaker":"Rod Griffin","startTime":1975.94,"endTime":1976.24,"body":"that"},{"speaker":"Rod Griffin","startTime":1976.241,"endTime":1976.69,"body":"probably"},{"speaker":"Rod Griffin","startTime":1976.691,"endTime":1976.87,"body":"had"},{"speaker":"Rod Griffin","startTime":1976.87,"endTime":1976.87,"body":","},{"speaker":"Rod Griffin","startTime":1977.41,"endTime":1977.65,"body":"was"},{"speaker":"Rod Griffin","startTime":1977.651,"endTime":1977.92,"body":"part"},{"speaker":"Rod Griffin","startTime":1977.921,"endTime":1978.01,"body":"of"},{"speaker":"Rod Griffin","startTime":1978.19,"endTime":1978.19,"body":"the"},{"speaker":"Rod Griffin","startTime":1978.19,"endTime":1978.19,"body":","},{"speaker":"Rod Griffin","startTime":1978.22,"endTime":1978.46,"body":"the"},{"speaker":"Rod Griffin","startTime":1978.461,"endTime":1979.0,"body":"equation."},{"speaker":"Dr. Mary Bell Carlson","startTime":1979.47,"endTime":1979.47,"body":"It's"},{"speaker":"Dr. Mary Bell Carlson","startTime":1979.48,"endTime":1979.71,"body":"been"},{"speaker":"Dr. Mary Bell Carlson","startTime":1979.711,"endTime":1980.13,"body":"very"},{"speaker":"Dr. Mary Bell Carlson","startTime":1980.131,"endTime":1980.94,"body":"interesting."},{"speaker":"Dr. Mary Bell Carlson","startTime":1981.0,"endTime":1981.19,"body":"And"},{"speaker":"Dr. Mary Bell Carlson","startTime":1981.511,"endTime":1981.72,"body":"I"},{"speaker":"Dr. Mary Bell Carlson","startTime":1981.721,"endTime":1981.93,"body":"will"},{"speaker":"Dr. Mary Bell Carlson","startTime":1981.931,"endTime":1982.17,"body":"tell"},{"speaker":"Dr. Mary Bell Carlson","startTime":1982.171,"endTime":1982.62,"body":"you"},{"speaker":"Dr. Mary Bell Carlson","startTime":1982.65,"endTime":1983.16,"body":"Rod"},{"speaker":"Dr. Mary Bell Carlson","startTime":1983.43,"endTime":1983.97,"body":"personally,"},{"speaker":"Dr. Mary Bell Carlson","startTime":1983.971,"endTime":1984.12,"body":"as"},{"speaker":"Dr. Mary Bell Carlson","startTime":1984.121,"endTime":1984.18,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":1984.181,"endTime":1984.84,"body":"professor,"},{"speaker":"Dr. Mary Bell Carlson","startTime":1984.841,"endTime":1984.99,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":1984.991,"endTime":1985.38,"body":"professor"},{"speaker":"Dr. Mary Bell Carlson","startTime":1985.381,"endTime":1985.47,"body":"in"},{"speaker":"Dr. Mary Bell Carlson","startTime":1985.471,"endTime":1985.56,"body":"me"},{"speaker":"Dr. Mary Bell Carlson","startTime":1985.561,"endTime":1986.01,"body":"loves"},{"speaker":"Dr. Mary Bell Carlson","startTime":1986.011,"endTime":1986.16,"body":"your"},{"speaker":"Dr. Mary Bell Carlson","startTime":1986.161,"endTime":1986.85,"body":"analogies."},{"speaker":"Dr. Mary Bell Carlson","startTime":1986.161,"endTime":1986.85,"body":"Hey,"},{"speaker":"Dr. Mary Bell Carlson","startTime":1990.12,"endTime":1990.3,"body":"at"},{"speaker":"Dr. Mary Bell Carlson","startTime":1990.301,"endTime":1990.48,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":1990.481,"endTime":1990.66,"body":"end"},{"speaker":"Dr. Mary Bell Carlson","startTime":1990.661,"endTime":1990.75,"body":"of"},{"speaker":"Dr. Mary Bell Carlson","startTime":1990.751,"endTime":1990.99,"body":"each"},{"speaker":"Dr. Mary Bell Carlson","startTime":1990.991,"endTime":1991.41,"body":"interview,"},{"speaker":"Dr. Mary Bell Carlson","startTime":1991.411,"endTime":1991.56,"body":"we"},{"speaker":"Dr. Mary Bell Carlson","startTime":1991.83,"endTime":1991.83,"body":"like"},{"speaker":"Dr. Mary Bell Carlson","startTime":1991.831,"endTime":1992.01,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":1992.011,"endTime":1992.31,"body":"get"},{"speaker":"Dr. Mary Bell Carlson","startTime":1992.311,"endTime":1992.43,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":1992.431,"endTime":1992.79,"body":"guests"},{"speaker":"Dr. Mary Bell Carlson","startTime":1992.791,"endTime":1993.0,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":1993.001,"endTime":1993.45,"body":"sense"},{"speaker":"Dr. Mary Bell Carlson","startTime":1993.57,"endTime":1993.57,"body":"our"},{"speaker":"Dr. Mary Bell Carlson","startTime":1993.571,"endTime":1993.9,"body":"biggest"},{"speaker":"Dr. Mary Bell Carlson","startTime":1993.901,"endTime":1994.35,"body":"takeaways"},{"speaker":"Dr. Mary Bell Carlson","startTime":1994.351,"endTime":1994.47,"body":"for"},{"speaker":"Dr. Mary Bell Carlson","startTime":1994.471,"endTime":1994.56,"body":"our"},{"speaker":"Dr. Mary Bell Carlson","startTime":1994.561,"endTime":1995.01,"body":"listeners."},{"speaker":"Dr. Mary Bell Carlson","startTime":1995.07,"endTime":1995.25,"body":"If"},{"speaker":"Dr. Mary Bell Carlson","startTime":1995.251,"endTime":1995.4,"body":"you"},{"speaker":"Dr. Mary Bell Carlson","startTime":1995.401,"endTime":1995.61,"body":"had"},{"speaker":"Dr. Mary Bell Carlson","startTime":1995.611,"endTime":1995.88,"body":"one"},{"speaker":"Dr. Mary Bell Carlson","startTime":1995.881,"endTime":1996.09,"body":"piece"},{"speaker":"Dr. Mary Bell Carlson","startTime":1996.091,"endTime":1996.21,"body":"of"},{"speaker":"Dr. Mary Bell Carlson","startTime":1996.211,"endTime":1996.66,"body":"advice"},{"speaker":"Dr. Mary Bell Carlson","startTime":1996.661,"endTime":1996.78,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":1996.781,"endTime":1997.11,"body":"offer"},{"speaker":"Dr. Mary Bell Carlson","startTime":1997.2,"endTime":1997.2,"body":"our"},{"speaker":"Dr. Mary Bell Carlson","startTime":1997.201,"endTime":1997.65,"body":"financial"},{"speaker":"Dr. Mary Bell Carlson","startTime":1997.651,"endTime":1998.4,"body":"professionals,"},{"speaker":"Dr. Mary Bell Carlson","startTime":1998.43,"endTime":1998.64,"body":"what"},{"speaker":"Dr. Mary Bell Carlson","startTime":1998.641,"endTime":1998.76,"body":"would"},{"speaker":"Dr. Mary Bell Carlson","startTime":1998.761,"endTime":1998.82,"body":"it"},{"speaker":"Dr. Mary Bell Carlson","startTime":1998.821,"endTime":1998.88,"body":"be?"},{"speaker":"Rod Griffin","startTime":1999.54,"endTime":2000.53,"body":"Understand"},{"speaker":"Rod Griffin","startTime":2000.531,"endTime":2000.92,"body":"and"},{"speaker":"Rod Griffin","startTime":2000.921,"endTime":2001.28,"body":"know"},{"speaker":"Rod Griffin","startTime":2001.281,"endTime":2001.61,"body":"what's"},{"speaker":"Rod Griffin","startTime":2001.611,"endTime":2001.85,"body":"in"},{"speaker":"Rod Griffin","startTime":2001.851,"endTime":2001.94,"body":"the"},{"speaker":"Rod Griffin","startTime":2001.941,"endTime":2002.21,"body":"credit"},{"speaker":"Rod Griffin","startTime":2002.211,"endTime":2002.45,"body":"report."},{"speaker":"Rod Griffin","startTime":2002.451,"endTime":2002.51,"body":"I"},{"speaker":"Rod Griffin","startTime":2002.511,"endTime":2002.69,"body":"think"},{"speaker":"Rod Griffin","startTime":2002.78,"endTime":2003.02,"body":"for"},{"speaker":"Rod Griffin","startTime":2003.021,"endTime":2003.53,"body":"consumers"},{"speaker":"Rod Griffin","startTime":2003.531,"endTime":2003.62,"body":"in"},{"speaker":"Rod Griffin","startTime":2003.621,"endTime":2004.07,"body":"general,"},{"speaker":"Rod Griffin","startTime":2004.1,"endTime":2004.4,"body":"don't"},{"speaker":"Rod Griffin","startTime":2004.401,"endTime":2004.61,"body":"be"},{"speaker":"Rod Griffin","startTime":2004.611,"endTime":2005.21,"body":"afraid"},{"speaker":"Rod Griffin","startTime":2005.211,"endTime":2005.63,"body":"to"},{"speaker":"Rod Griffin","startTime":2005.9,"endTime":2006.29,"body":"look"},{"speaker":"Rod Griffin","startTime":2006.291,"endTime":2006.38,"body":"at"},{"speaker":"Rod Griffin","startTime":2006.381,"endTime":2006.62,"body":"that"},{"speaker":"Rod Griffin","startTime":2006.621,"endTime":2006.86,"body":"credit"},{"speaker":"Rod Griffin","startTime":2006.861,"endTime":2007.19,"body":"report"},{"speaker":"Rod Griffin","startTime":2007.191,"endTime":2007.34,"body":"and"},{"speaker":"Rod Griffin","startTime":2007.341,"endTime":2007.67,"body":"use"},{"speaker":"Rod Griffin","startTime":2007.671,"endTime":2007.82,"body":"it"},{"speaker":"Rod Griffin","startTime":2007.821,"endTime":2007.94,"body":"as"},{"speaker":"Rod Griffin","startTime":2007.941,"endTime":2008.03,"body":"a"},{"speaker":"Rod Griffin","startTime":2008.031,"endTime":2008.51,"body":"financial"},{"speaker":"Rod Griffin","startTime":2008.511,"endTime":2008.99,"body":"tool."},{"speaker":"Rod Griffin","startTime":2009.47,"endTime":2009.77,"body":"You"},{"speaker":"Rod Griffin","startTime":2009.771,"endTime":2009.83,"body":"know,"},{"speaker":"Rod Griffin","startTime":2009.86,"endTime":2010.1,"body":"I"},{"speaker":"Rod Griffin","startTime":2010.1,"endTime":2010.1,"body":","},{"speaker":"Rod Griffin","startTime":2010.22,"endTime":2010.37,"body":"I"},{"speaker":"Rod Griffin","startTime":2010.73,"endTime":2010.73,"body":"talk"},{"speaker":"Rod Griffin","startTime":2010.731,"endTime":2010.82,"body":"to"},{"speaker":"Rod Griffin","startTime":2010.821,"endTime":2011.3,"body":"people"},{"speaker":"Rod Griffin","startTime":2011.301,"endTime":2011.69,"body":"in"},{"speaker":"Rod Griffin","startTime":2011.691,"endTime":2012.08,"body":"groups"},{"speaker":"Rod Griffin","startTime":2012.11,"endTime":2012.71,"body":"often,"},{"speaker":"Rod Griffin","startTime":2012.8,"endTime":2013.07,"body":"and"},{"speaker":"Rod Griffin","startTime":2013.071,"endTime":2013.28,"body":"I,"},{"speaker":"Rod Griffin","startTime":2013.37,"endTime":2013.55,"body":"I"},{"speaker":"Rod Griffin","startTime":2013.7,"endTime":2014.06,"body":"always"},{"speaker":"Rod Griffin","startTime":2014.061,"endTime":2014.48,"body":"ask"},{"speaker":"Rod Griffin","startTime":2014.481,"endTime":2014.63,"body":"who"},{"speaker":"Rod Griffin","startTime":2014.81,"endTime":2014.81,"body":"here"},{"speaker":"Rod Griffin","startTime":2014.9,"endTime":2014.9,"body":"is"},{"speaker":"Rod Griffin","startTime":2014.901,"endTime":2015.14,"body":"looked"},{"speaker":"Rod Griffin","startTime":2015.141,"endTime":2015.23,"body":"at"},{"speaker":"Rod Griffin","startTime":2015.231,"endTime":2015.35,"body":"your"},{"speaker":"Rod Griffin","startTime":2015.351,"endTime":2015.62,"body":"credit"},{"speaker":"Rod Griffin","startTime":2015.621,"endTime":2015.98,"body":"report"},{"speaker":"Rod Griffin","startTime":2016.43,"endTime":2016.64,"body":"and"},{"speaker":"Rod Griffin","startTime":2016.641,"endTime":2016.7,"body":"I"},{"speaker":"Rod Griffin","startTime":2016.701,"endTime":2016.94,"body":"see"},{"speaker":"Rod Griffin","startTime":2016.941,"endTime":2017.06,"body":"the"},{"speaker":"Rod Griffin","startTime":2017.39,"endTime":2017.39,"body":"heads"},{"speaker":"Rod Griffin","startTime":2017.391,"endTime":2017.99,"body":"drop"},{"speaker":"Rod Griffin","startTime":2018.52,"endTime":2018.52,"body":"and"},{"speaker":"Rod Griffin","startTime":2019.97,"endTime":2020.12,"body":"they"},{"speaker":"Rod Griffin","startTime":2020.121,"endTime":2020.27,"body":"don't"},{"speaker":"Rod Griffin","startTime":2020.271,"endTime":2020.42,"body":"want"},{"speaker":"Rod Griffin","startTime":2020.421,"endTime":2020.48,"body":"to"},{"speaker":"Rod Griffin","startTime":2020.481,"endTime":2020.69,"body":"look"},{"speaker":"Rod Griffin","startTime":2020.691,"endTime":2020.81,"body":"at"},{"speaker":"Rod Griffin","startTime":2020.811,"endTime":2020.93,"body":"me"},{"speaker":"Rod Griffin","startTime":2020.931,"endTime":2021.35,"body":"anymore."},{"speaker":"Rod Griffin","startTime":2021.89,"endTime":2022.46,"body":"Why?"},{"speaker":"Rod Griffin","startTime":2023.12,"endTime":2023.33,"body":"Why"},{"speaker":"Rod Griffin","startTime":2023.331,"endTime":2023.42,"body":"are"},{"speaker":"Rod Griffin","startTime":2023.331,"endTime":2023.42,"body":"you,"},{"speaker":"Rod Griffin","startTime":2023.331,"endTime":2023.42,"body":"why"},{"speaker":"Rod Griffin","startTime":2023.421,"endTime":2023.57,"body":"don't"},{"speaker":"Rod Griffin","startTime":2024.231,"endTime":2024.29,"body":"you"},{"speaker":"Rod Griffin","startTime":2024.291,"endTime":2024.41,"body":"want"},{"speaker":"Rod Griffin","startTime":2024.411,"endTime":2024.47,"body":"to"},{"speaker":"Rod Griffin","startTime":2024.471,"endTime":2024.65,"body":"check"},{"speaker":"Rod Griffin","startTime":2024.651,"endTime":2024.74,"body":"your"},{"speaker":"Rod Griffin","startTime":2024.741,"endTime":2025.04,"body":"report?"},{"speaker":"Rod Griffin","startTime":2025.041,"endTime":2025.13,"body":"And"},{"speaker":"Rod Griffin","startTime":2025.131,"endTime":2025.22,"body":"they'll"},{"speaker":"Rod Griffin","startTime":2025.221,"endTime":2025.34,"body":"say,"},{"speaker":"Rod Griffin","startTime":2025.341,"endTime":2025.46,"body":"I'm"},{"speaker":"Rod Griffin","startTime":2025.461,"endTime":2026.06,"body":"afraid."},{"speaker":"Rod Griffin","startTime":2026.42,"endTime":2026.69,"body":"Don't"},{"speaker":"Rod Griffin","startTime":2026.691,"endTime":2026.78,"body":"be"},{"speaker":"Rod Griffin","startTime":2026.781,"endTime":2027.32,"body":"afraid"},{"speaker":"Rod Griffin","startTime":2027.321,"endTime":2027.68,"body":"because"},{"speaker":"Rod Griffin","startTime":2028.1,"endTime":2028.31,"body":"it"},{"speaker":"Rod Griffin","startTime":2028.34,"endTime":2028.82,"body":"probably"},{"speaker":"Rod Griffin","startTime":2028.821,"endTime":2029.03,"body":"isn't"},{"speaker":"Rod Griffin","startTime":2029.031,"endTime":2029.15,"body":"as"},{"speaker":"Rod Griffin","startTime":2029.151,"endTime":2029.3,"body":"bad"},{"speaker":"Rod Griffin","startTime":2029.301,"endTime":2029.39,"body":"as"},{"speaker":"Rod Griffin","startTime":2029.391,"endTime":2029.48,"body":"you"},{"speaker":"Rod Griffin","startTime":2029.481,"endTime":2029.96,"body":"think."},{"speaker":"Rod Griffin","startTime":2030.71,"endTime":2030.89,"body":"And"},{"speaker":"Rod Griffin","startTime":2030.891,"endTime":2031.01,"body":"if"},{"speaker":"Rod Griffin","startTime":2031.011,"endTime":2031.16,"body":"you"},{"speaker":"Rod Griffin","startTime":2031.64,"endTime":2031.94,"body":"don't"},{"speaker":"Rod Griffin","startTime":2031.941,"endTime":2032.21,"body":"look"},{"speaker":"Rod Griffin","startTime":2032.211,"endTime":2032.39,"body":"at"},{"speaker":"Rod Griffin","startTime":2032.391,"endTime":2032.51,"body":"it,"},{"speaker":"Rod Griffin","startTime":2032.511,"endTime":2032.69,"body":"don't"},{"speaker":"Rod Griffin","startTime":2032.691,"endTime":2032.84,"body":"know"},{"speaker":"Rod Griffin","startTime":2032.841,"endTime":2033.05,"body":"what's"},{"speaker":"Rod Griffin","startTime":2033.051,"endTime":2033.26,"body":"there,"},{"speaker":"Rod Griffin","startTime":2033.261,"endTime":2033.38,"body":"you"},{"speaker":"Rod Griffin","startTime":2033.381,"endTime":2033.56,"body":"can't"},{"speaker":"Rod Griffin","startTime":2033.561,"endTime":2033.65,"body":"do"},{"speaker":"Rod Griffin","startTime":2033.651,"endTime":2034.01,"body":"anything"},{"speaker":"Rod Griffin","startTime":2034.011,"endTime":2034.34,"body":"about"},{"speaker":"Rod Griffin","startTime":2034.341,"endTime":2034.46,"body":"it."},{"speaker":"Rod Griffin","startTime":2034.79,"endTime":2035.12,"body":"So"},{"speaker":"Rod Griffin","startTime":2035.121,"endTime":2035.45,"body":"get"},{"speaker":"Rod Griffin","startTime":2035.451,"endTime":2035.63,"body":"that"},{"speaker":"Rod Griffin","startTime":2035.631,"endTime":2035.9,"body":"credit"},{"speaker":"Rod Griffin","startTime":2035.901,"endTime":2036.32,"body":"report,"},{"speaker":"Rod Griffin","startTime":2036.34,"endTime":2036.56,"body":"know"},{"speaker":"Rod Griffin","startTime":2036.561,"endTime":2036.8,"body":"what's"},{"speaker":"Rod Griffin","startTime":2036.801,"endTime":2037.07,"body":"there."},{"speaker":"Rod Griffin","startTime":2037.071,"endTime":2037.28,"body":"We"},{"speaker":"Rod Griffin","startTime":2037.281,"endTime":2037.82,"body":"want"},{"speaker":"Rod Griffin","startTime":2037.821,"endTime":2038.27,"body":"people"},{"speaker":"Rod Griffin","startTime":2038.271,"endTime":2038.51,"body":"to"},{"speaker":"Rod Griffin","startTime":2038.511,"endTime":2038.9,"body":"work"},{"speaker":"Rod Griffin","startTime":2038.901,"endTime":2039.08,"body":"with"},{"speaker":"Rod Griffin","startTime":2039.081,"endTime":2039.32,"body":"us."},{"speaker":"Rod Griffin","startTime":2039.321,"endTime":2039.5,"body":"We"},{"speaker":"Rod Griffin","startTime":2039.501,"endTime":2039.8,"body":"want"},{"speaker":"Rod Griffin","startTime":2039.801,"endTime":2040.1,"body":"people"},{"speaker":"Rod Griffin","startTime":2040.101,"endTime":2040.19,"body":"to"},{"speaker":"Rod Griffin","startTime":2040.191,"endTime":2040.31,"body":"know"},{"speaker":"Rod Griffin","startTime":2040.311,"endTime":2040.46,"body":"what's"},{"speaker":"Rod Griffin","startTime":2040.461,"endTime":2040.61,"body":"in"},{"speaker":"Rod Griffin","startTime":2040.611,"endTime":2040.73,"body":"that"},{"speaker":"Rod Griffin","startTime":2040.731,"endTime":2041.24,"body":"report"},{"speaker":"Rod Griffin","startTime":2041.63,"endTime":2041.96,"body":"because"},{"speaker":"Rod Griffin","startTime":2041.961,"endTime":2042.05,"body":"it"},{"speaker":"Rod Griffin","startTime":2042.051,"endTime":2042.32,"body":"should"},{"speaker":"Rod Griffin","startTime":2042.321,"endTime":2042.47,"body":"be"},{"speaker":"Rod Griffin","startTime":2042.471,"endTime":2042.53,"body":"a"},{"speaker":"Rod Griffin","startTime":2042.531,"endTime":2043.13,"body":"financial"},{"speaker":"Rod Griffin","startTime":2043.131,"endTime":2043.49,"body":"tool"},{"speaker":"Rod Griffin","startTime":2043.58,"endTime":2043.58,"body":"that"},{"speaker":"Rod Griffin","startTime":2043.581,"endTime":2043.79,"body":"should"},{"speaker":"Rod Griffin","startTime":2043.791,"endTime":2043.88,"body":"be"},{"speaker":"Rod Griffin","startTime":2043.881,"endTime":2044.66,"body":"empowering."},{"speaker":"Rod Griffin","startTime":2044.66,"endTime":2044.72,"body":"It"},{"speaker":"Rod Griffin","startTime":2044.721,"endTime":2045.02,"body":"shouldn't"},{"speaker":"Rod Griffin","startTime":2045.021,"endTime":2045.14,"body":"be"},{"speaker":"Rod Griffin","startTime":2045.141,"endTime":2045.2,"body":"a"},{"speaker":"Rod Griffin","startTime":2045.201,"endTime":2045.8,"body":"barrier."},{"speaker":"Rod Griffin","startTime":2046.25,"endTime":2046.37,"body":"And"},{"speaker":"Rod Griffin","startTime":2046.371,"endTime":2046.52,"body":"that"},{"speaker":"Rod Griffin","startTime":2046.521,"endTime":2046.7,"body":"just"},{"speaker":"Rod Griffin","startTime":2046.701,"endTime":2046.85,"body":"means"},{"speaker":"Rod Griffin","startTime":2046.851,"endTime":2046.94,"body":"you"},{"speaker":"Rod Griffin","startTime":2046.941,"endTime":2047.12,"body":"need"},{"speaker":"Rod Griffin","startTime":2047.121,"endTime":2047.21,"body":"to"},{"speaker":"Rod Griffin","startTime":2047.211,"endTime":2047.6,"body":"engage"},{"speaker":"Rod Griffin","startTime":2047.601,"endTime":2047.72,"body":"in"},{"speaker":"Rod Griffin","startTime":2047.721,"endTime":2047.87,"body":"it,"},{"speaker":"Rod Griffin","startTime":2047.99,"endTime":2048.56,"body":"understand"},{"speaker":"Rod Griffin","startTime":2048.561,"endTime":2048.68,"body":"it."},{"speaker":"Rod Griffin","startTime":2048.71,"endTime":2048.92,"body":"It's"},{"speaker":"Rod Griffin","startTime":2048.921,"endTime":2049.22,"body":"not"},{"speaker":"Rod Griffin","startTime":2049.221,"endTime":2049.37,"body":"as"},{"speaker":"Rod Griffin","startTime":2049.371,"endTime":2049.67,"body":"hard"},{"speaker":"Rod Griffin","startTime":2049.671,"endTime":2049.79,"body":"as"},{"speaker":"Rod Griffin","startTime":2049.791,"endTime":2050.0,"body":"you,"},{"speaker":"Rod Griffin","startTime":2050.2,"endTime":2050.35,"body":"as"},{"speaker":"Rod Griffin","startTime":2050.351,"endTime":2050.44,"body":"you"},{"speaker":"Rod Griffin","startTime":2050.45,"endTime":2050.72,"body":"think"},{"speaker":"Rod Griffin","startTime":2050.721,"endTime":2050.81,"body":"it"},{"speaker":"Rod Griffin","startTime":2050.811,"endTime":2051.02,"body":"might"},{"speaker":"Rod Griffin","startTime":2051.021,"endTime":2051.17,"body":"be,"},{"speaker":"Rod Griffin","startTime":2051.171,"endTime":2051.32,"body":"or"},{"speaker":"Rod Griffin","startTime":2051.321,"endTime":2051.41,"body":"as"},{"speaker":"Rod Griffin","startTime":2051.411,"endTime":2052.07,"body":"complicated"},{"speaker":"Rod Griffin","startTime":2052.071,"endTime":2052.25,"body":"as"},{"speaker":"Rod Griffin","startTime":2052.34,"endTime":2052.46,"body":"you"},{"speaker":"Rod Griffin","startTime":2052.461,"endTime":2052.67,"body":"think"},{"speaker":"Rod Griffin","startTime":2052.671,"endTime":2052.76,"body":"it"},{"speaker":"Rod Griffin","startTime":2052.761,"endTime":2052.94,"body":"might"},{"speaker":"Rod Griffin","startTime":2052.941,"endTime":2053.15,"body":"be."},{"speaker":"Rod Griffin","startTime":2053.57,"endTime":2053.69,"body":"So"},{"speaker":"Rod Griffin","startTime":2055.14,"endTime":2055.14,"body":"the"},{"speaker":"Rod Griffin","startTime":2055.14,"endTime":2055.14,"body":","},{"speaker":"Rod Griffin","startTime":2055.25,"endTime":2055.58,"body":"the"},{"speaker":"Rod Griffin","startTime":2055.64,"endTime":2055.97,"body":"thing"},{"speaker":"Rod Griffin","startTime":2055.971,"endTime":2056.12,"body":"that"},{"speaker":"Rod Griffin","startTime":2056.121,"endTime":2056.33,"body":"we,"},{"speaker":"Rod Griffin","startTime":2056.42,"endTime":2056.75,"body":"we"},{"speaker":"Rod Griffin","startTime":2056.751,"endTime":2057.11,"body":"encourage"},{"speaker":"Rod Griffin","startTime":2057.111,"endTime":2057.32,"body":"people"},{"speaker":"Rod Griffin","startTime":2057.321,"endTime":2057.62,"body":"most"},{"speaker":"Rod Griffin","startTime":2057.621,"endTime":2057.74,"body":"is"},{"speaker":"Rod Griffin","startTime":2058.07,"endTime":2058.07,"body":"use"},{"speaker":"Rod Griffin","startTime":2058.071,"endTime":2058.22,"body":"the"},{"speaker":"Rod Griffin","startTime":2058.221,"endTime":2058.55,"body":"tools"},{"speaker":"Rod Griffin","startTime":2058.551,"endTime":2058.64,"body":"that"},{"speaker":"Rod Griffin","startTime":2058.641,"endTime":2058.67,"body":"are"},{"speaker":"Rod Griffin","startTime":2058.671,"endTime":2059.0,"body":"available"},{"speaker":"Rod Griffin","startTime":2059.001,"endTime":2059.15,"body":"to"},{"speaker":"Rod Griffin","startTime":2059.151,"endTime":2059.36,"body":"them."},{"speaker":"Rod Griffin","startTime":2059.361,"endTime":2059.57,"body":"Like"},{"speaker":"Rod Griffin","startTime":2059.571,"endTime":2060.08,"body":"Experian"},{"speaker":"Rod Griffin","startTime":2060.081,"endTime":2060.47,"body":"Boost."},{"speaker":"Rod Griffin","startTime":2061.04,"endTime":2061.04,"body":"Know"},{"speaker":"Rod Griffin","startTime":2061.041,"endTime":2061.22,"body":"what's"},{"speaker":"Rod Griffin","startTime":2061.221,"endTime":2061.34,"body":"in"},{"speaker":"Rod Griffin","startTime":2061.341,"endTime":2061.49,"body":"that"},{"speaker":"Rod Griffin","startTime":2061.491,"endTime":2061.76,"body":"credit"},{"speaker":"Rod Griffin","startTime":2061.761,"endTime":2062.24,"body":"report"},{"speaker":"Rod Griffin","startTime":2062.6,"endTime":2062.81,"body":"and"},{"speaker":"Rod Griffin","startTime":2062.811,"endTime":2063.14,"body":"use"},{"speaker":"Rod Griffin","startTime":2063.141,"endTime":2063.29,"body":"it"},{"speaker":"Rod Griffin","startTime":2063.291,"endTime":2063.41,"body":"as"},{"speaker":"Rod Griffin","startTime":2063.411,"endTime":2063.5,"body":"a"},{"speaker":"Rod Griffin","startTime":2063.501,"endTime":2064.04,"body":"financial"},{"speaker":"Rod Griffin","startTime":2064.041,"endTime":2064.37,"body":"tool"},{"speaker":"Rod Griffin","startTime":2064.371,"endTime":2064.52,"body":"so"},{"speaker":"Rod Griffin","startTime":2064.521,"endTime":2064.7,"body":"that"},{"speaker":"Rod Griffin","startTime":2064.701,"endTime":2064.85,"body":"when"},{"speaker":"Rod Griffin","startTime":2064.851,"endTime":2064.97,"body":"you"},{"speaker":"Rod Griffin","startTime":2064.971,"endTime":2065.3,"body":"walk"},{"speaker":"Rod Griffin","startTime":2065.301,"endTime":2065.54,"body":"into"},{"speaker":"Rod Griffin","startTime":2065.541,"endTime":2065.66,"body":"the"},{"speaker":"Rod Griffin","startTime":2065.661,"endTime":2066.14,"body":"lender,"},{"speaker":"Rod Griffin","startTime":2066.47,"endTime":2066.71,"body":"you"},{"speaker":"Rod Griffin","startTime":2066.711,"endTime":2067.01,"body":"know"},{"speaker":"Rod Griffin","startTime":2067.011,"endTime":2067.16,"body":"what"},{"speaker":"Rod Griffin","startTime":2067.161,"endTime":2067.25,"body":"they're"},{"speaker":"Rod Griffin","startTime":2067.4,"endTime":2067.4,"body":"going"},{"speaker":"Rod Griffin","startTime":2067.46,"endTime":2067.46,"body":"to"},{"speaker":"Rod Griffin","startTime":2067.461,"endTime":2067.82,"body":"see,"},{"speaker":"Rod Griffin","startTime":2068.12,"endTime":2068.3,"body":"and"},{"speaker":"Rod Griffin","startTime":2068.301,"endTime":2068.54,"body":"you'll"},{"speaker":"Rod Griffin","startTime":2068.541,"endTime":2069.05,"body":"know"},{"speaker":"Rod Griffin","startTime":2069.051,"endTime":2069.23,"body":"that"},{"speaker":"Rod Griffin","startTime":2069.231,"endTime":2069.35,"body":"you"},{"speaker":"Rod Griffin","startTime":2069.351,"endTime":2070.04,"body":"have"},{"speaker":"Rod Griffin","startTime":2070.43,"endTime":2070.94,"body":"the"},{"speaker":"Rod Griffin","startTime":2070.94,"endTime":2070.94,"body":","},{"speaker":"Rod Griffin","startTime":2071.9,"endTime":2072.47,"body":"ability"},{"speaker":"Rod Griffin","startTime":2072.471,"endTime":2072.59,"body":"and"},{"speaker":"Rod Griffin","startTime":2072.68,"endTime":2072.68,"body":"that"},{"speaker":"Rod Griffin","startTime":2072.681,"endTime":2072.8,"body":"you're"},{"speaker":"Rod Griffin","startTime":2072.801,"endTime":2073.31,"body":"empowered"},{"speaker":"Rod Griffin","startTime":2073.311,"endTime":2073.43,"body":"to"},{"speaker":"Rod Griffin","startTime":2073.431,"endTime":2073.61,"body":"get"},{"speaker":"Rod Griffin","startTime":2073.611,"endTime":2073.7,"body":"the"},{"speaker":"Rod Griffin","startTime":2073.701,"endTime":2073.97,"body":"credit"},{"speaker":"Rod Griffin","startTime":2073.971,"endTime":2074.09,"body":"you"},{"speaker":"Rod Griffin","startTime":2074.091,"endTime":2074.3,"body":"need"},{"speaker":"Rod Griffin","startTime":2074.301,"endTime":2074.45,"body":"when"},{"speaker":"Rod Griffin","startTime":2074.451,"endTime":2074.51,"body":"you"},{"speaker":"Rod Griffin","startTime":2074.511,"endTime":2074.75,"body":"need"},{"speaker":"Rod Griffin","startTime":2074.751,"endTime":2074.84,"body":"it."},{"speaker":"Dr. Mary Bell Carlson","startTime":2075.44,"endTime":2075.65,"body":"That's"},{"speaker":"Dr. Mary Bell Carlson","startTime":2075.651,"endTime":2076.01,"body":"awesome."},{"speaker":"Dr. Mary Bell Carlson","startTime":2076.011,"endTime":2076.25,"body":"Thank"},{"speaker":"Dr. Mary Bell Carlson","startTime":2076.251,"endTime":2076.34,"body":"you"},{"speaker":"Dr. Mary Bell Carlson","startTime":2076.341,"endTime":2076.49,"body":"so"},{"speaker":"Dr. Mary Bell Carlson","startTime":2076.491,"endTime":2076.67,"body":"much"},{"speaker":"Dr. Mary Bell Carlson","startTime":2076.671,"endTime":2076.94,"body":"for"},{"speaker":"Dr. Mary Bell Carlson","startTime":2076.941,"endTime":2077.33,"body":"joining"},{"speaker":"Dr. Mary Bell Carlson","startTime":2077.331,"endTime":2077.48,"body":"us"},{"speaker":"Dr. Mary Bell Carlson","startTime":2077.481,"endTime":2077.63,"body":"on"},{"speaker":"Dr. Mary Bell Carlson","startTime":2077.631,"endTime":2077.72,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":2077.721,"endTime":2077.9,"body":"show"},{"speaker":"Dr. Mary Bell Carlson","startTime":2077.901,"endTime":2078.11,"body":"today."},{"speaker":"Dr. Mary Bell Carlson","startTime":2078.111,"endTime":2078.26,"body":"Will"},{"speaker":"Dr. Mary Bell Carlson","startTime":2078.261,"endTime":2078.38,"body":"you"},{"speaker":"Dr. Mary Bell Carlson","startTime":2078.381,"endTime":2078.59,"body":"just"},{"speaker":"Dr. Mary Bell Carlson","startTime":2078.591,"endTime":2078.8,"body":"tell"},{"speaker":"Dr. Mary Bell Carlson","startTime":2078.801,"endTime":2078.92,"body":"our"},{"speaker":"Dr. Mary Bell Carlson","startTime":2078.921,"endTime":2079.46,"body":"listeners"},{"speaker":"Dr. Mary Bell Carlson","startTime":2079.461,"endTime":2079.73,"body":"where"},{"speaker":"Dr. Mary Bell Carlson","startTime":2079.731,"endTime":2079.94,"body":"they"},{"speaker":"Dr. Mary Bell Carlson","startTime":2079.941,"endTime":2080.21,"body":"can"},{"speaker":"Dr. Mary Bell Carlson","startTime":2080.211,"endTime":2080.63,"body":"connect"},{"speaker":"Dr. Mary Bell Carlson","startTime":2080.631,"endTime":2080.78,"body":"with"},{"speaker":"Dr. Mary Bell Carlson","startTime":2080.781,"endTime":2081.2,"body":"you?"},{"speaker":"Rod Griffin","startTime":2081.44,"endTime":2082.07,"body":"Several"},{"speaker":"Rod Griffin","startTime":2082.071,"endTime":2082.55,"body":"ways"},{"speaker":"Rod Griffin","startTime":2082.55,"endTime":2082.55,"body":","},{"speaker":"Rod Griffin","startTime":2082.91,"endTime":2083.21,"body":"go"},{"speaker":"Rod Griffin","startTime":2083.211,"endTime":2083.51,"body":"to"},{"speaker":"Rod Griffin","startTime":2083.511,"endTime":2084.68,"body":"experian.com"},{"speaker":"Rod Griffin","startTime":2084.98,"endTime":2085.25,"body":"and"},{"speaker":"Rod Griffin","startTime":2085.251,"endTime":2085.43,"body":"you'll"},{"speaker":"Rod Griffin","startTime":2085.431,"endTime":2085.73,"body":"find"},{"speaker":"Rod Griffin","startTime":2085.731,"endTime":2086.03,"body":"lots"},{"speaker":"Rod Griffin","startTime":2086.031,"endTime":2086.12,"body":"of"},{"speaker":"Rod Griffin","startTime":2086.121,"endTime":2086.36,"body":"free"},{"speaker":"Rod Griffin","startTime":2086.361,"endTime":2086.96,"body":"education"},{"speaker":"Rod Griffin","startTime":2086.961,"endTime":2087.65,"body":"information."},{"speaker":"Rod Griffin","startTime":2087.92,"endTime":2088.07,"body":"You"},{"speaker":"Rod Griffin","startTime":2088.071,"endTime":2088.25,"body":"can"},{"speaker":"Rod Griffin","startTime":2088.251,"endTime":2088.58,"body":"join"},{"speaker":"Rod Griffin","startTime":2088.581,"endTime":2088.73,"body":"us"},{"speaker":"Rod Griffin","startTime":2088.731,"endTime":2088.88,"body":"on"},{"speaker":"Rod Griffin","startTime":2088.881,"endTime":2088.97,"body":"our"},{"speaker":"Rod Griffin","startTime":2088.971,"endTime":2089.33,"body":"credit"},{"speaker":"Rod Griffin","startTime":2089.331,"endTime":2089.63,"body":"chat"},{"speaker":"Rod Griffin","startTime":2089.631,"endTime":2089.78,"body":"on"},{"speaker":"Rod Griffin","startTime":2089.631,"endTime":2089.78,"body":"Twitter"},{"speaker":"Rod Griffin","startTime":2089.781,"endTime":2090.23,"body":"every"},{"speaker":"Rod Griffin","startTime":2090.531,"endTime":2091.1,"body":"Wednesday."},{"speaker":"Rod Griffin","startTime":2091.101,"endTime":2091.19,"body":"You"},{"speaker":"Rod Griffin","startTime":2091.191,"endTime":2091.37,"body":"can"},{"speaker":"Rod Griffin","startTime":2091.371,"endTime":2091.58,"body":"learn"},{"speaker":"Rod Griffin","startTime":2091.581,"endTime":2091.79,"body":"more"},{"speaker":"Rod Griffin","startTime":2091.791,"endTime":2092.12,"body":"about"},{"speaker":"Rod Griffin","startTime":2092.121,"endTime":2092.42,"body":"that"},{"speaker":"Rod Griffin","startTime":2092.421,"endTime":2092.54,"body":"at"},{"speaker":"Rod Griffin","startTime":2092.6,"endTime":2092.81,"body":"Ex.pn/credit"},{"speaker":"Rod Griffin","startTime":2094.401,"endTime":2094.73,"body":"chat."},{"speaker":"Rod Griffin","startTime":2095.15,"endTime":2095.33,"body":"We"},{"speaker":"Rod Griffin","startTime":2095.331,"endTime":2095.6,"body":"also"},{"speaker":"Rod Griffin","startTime":2095.601,"endTime":2095.78,"body":"do"},{"speaker":"Rod Griffin","startTime":2095.781,"endTime":2096.08,"body":"live"},{"speaker":"Rod Griffin","startTime":2096.081,"endTime":2096.77,"body":"interviews"},{"speaker":"Rod Griffin","startTime":2096.771,"endTime":2096.95,"body":"that"},{"speaker":"Rod Griffin","startTime":2096.951,"endTime":2097.07,"body":"we"},{"speaker":"Rod Griffin","startTime":2097.071,"endTime":2097.73,"body":"record"},{"speaker":"Rod Griffin","startTime":2097.88,"endTime":2098.27,"body":"with"},{"speaker":"Rod Griffin","startTime":2098.36,"endTime":2098.87,"body":"financial"},{"speaker":"Rod Griffin","startTime":2098.871,"endTime":2099.56,"body":"experts"},{"speaker":"Rod Griffin","startTime":2100.13,"endTime":2100.46,"body":"called"},{"speaker":"Rod Griffin","startTime":2100.461,"endTime":2100.73,"body":"Credit"},{"speaker":"Rod Griffin","startTime":2100.731,"endTime":2101.03,"body":"Chat"},{"speaker":"Rod Griffin","startTime":2101.031,"endTime":2101.36,"body":"Live."},{"speaker":"Rod Griffin","startTime":2101.39,"endTime":2101.54,"body":"We're"},{"speaker":"Rod Griffin","startTime":2101.541,"endTime":2101.69,"body":"not"},{"speaker":"Rod Griffin","startTime":2101.84,"endTime":2101.84,"body":"very"},{"speaker":"Rod Griffin","startTime":2102.17,"endTime":2102.17,"body":"creative"},{"speaker":"Rod Griffin","startTime":2102.171,"endTime":2102.32,"body":"with"},{"speaker":"Rod Griffin","startTime":2102.321,"endTime":2102.41,"body":"our"},{"speaker":"Rod Griffin","startTime":2102.411,"endTime":2102.71,"body":"names,"},{"speaker":"Rod Griffin","startTime":2102.711,"endTime":2102.89,"body":"but"},{"speaker":"Rod Griffin","startTime":2103.34,"endTime":2103.43,"body":"you"},{"speaker":"Rod Griffin","startTime":2103.431,"endTime":2103.58,"body":"go"},{"speaker":"Rod Griffin","startTime":2103.581,"endTime":2103.7,"body":"to"},{"speaker":"Rod Griffin","startTime":2103.701,"endTime":2103.91,"body":"the"},{"speaker":"Rod Griffin","startTime":2103.911,"endTime":2104.12,"body":"ex.pn/creditchatlive,"},{"speaker":"Rod Griffin","startTime":2106.551,"endTime":2106.64,"body":"and"},{"speaker":"Rod Griffin","startTime":2106.641,"endTime":2106.73,"body":"you"},{"speaker":"Rod Griffin","startTime":2106.731,"endTime":2106.85,"body":"can"},{"speaker":"Rod Griffin","startTime":2106.851,"endTime":2107.09,"body":"find"},{"speaker":"Rod Griffin","startTime":2107.091,"endTime":2107.24,"body":"out"},{"speaker":"Rod Griffin","startTime":2107.241,"endTime":2107.42,"body":"more"},{"speaker":"Rod Griffin","startTime":2107.421,"endTime":2107.72,"body":"about"},{"speaker":"Rod Griffin","startTime":2107.721,"endTime":2108.08,"body":"that."},{"speaker":"Rod Griffin","startTime":2108.44,"endTime":2108.71,"body":"And"},{"speaker":"Rod Griffin","startTime":2108.711,"endTime":2108.86,"body":"we"},{"speaker":"Rod Griffin","startTime":2108.861,"endTime":2109.01,"body":"have"},{"speaker":"Rod Griffin","startTime":2109.011,"endTime":2109.34,"body":"YouTube"},{"speaker":"Rod Griffin","startTime":2109.37,"endTime":2109.7,"body":"videos"},{"speaker":"Rod Griffin","startTime":2109.701,"endTime":2109.79,"body":"as"},{"speaker":"Rod Griffin","startTime":2109.791,"endTime":2109.88,"body":"well."},{"speaker":"Rebecca Wiggins","startTime":2110.15,"endTime":2110.45,"body":"Yeah,"},{"speaker":"Rebecca Wiggins","startTime":2110.48,"endTime":2111.05,"body":"absolutely."},{"speaker":"Rebecca Wiggins","startTime":2111.051,"endTime":2111.2,"body":"And"},{"speaker":"Rebecca Wiggins","startTime":2111.201,"endTime":2111.32,"body":"we'll"},{"speaker":"Rebecca Wiggins","startTime":2111.321,"endTime":2111.53,"body":"put"},{"speaker":"Rebecca Wiggins","startTime":2111.531,"endTime":2111.62,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":2111.621,"endTime":2111.86,"body":"link"},{"speaker":"Rebecca Wiggins","startTime":2111.861,"endTime":2111.95,"body":"to"},{"speaker":"Rebecca Wiggins","startTime":2111.951,"endTime":2112.16,"body":"all"},{"speaker":"Rebecca Wiggins","startTime":2112.161,"endTime":2112.25,"body":"of"},{"speaker":"Rebecca Wiggins","startTime":2112.251,"endTime":2112.43,"body":"those"},{"speaker":"Rebecca Wiggins","startTime":2112.431,"endTime":2112.67,"body":"things"},{"speaker":"Rebecca Wiggins","startTime":2112.671,"endTime":2112.79,"body":"in"},{"speaker":"Rebecca Wiggins","startTime":2112.791,"endTime":2112.85,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":2112.851,"endTime":2113.03,"body":"show"},{"speaker":"Rebecca Wiggins","startTime":2113.031,"endTime":2113.24,"body":"notes"},{"speaker":"Rebecca Wiggins","startTime":2113.241,"endTime":2113.39,"body":"as"},{"speaker":"Rebecca Wiggins","startTime":2113.391,"endTime":2113.78,"body":"well."},{"speaker":"Rebecca Wiggins","startTime":2114.05,"endTime":2114.32,"body":"Rod,"},{"speaker":"Rebecca Wiggins","startTime":2114.35,"endTime":2114.62,"body":"thanks"},{"speaker":"Rebecca Wiggins","startTime":2114.621,"endTime":2114.77,"body":"so"},{"speaker":"Rebecca Wiggins","startTime":2114.771,"endTime":2115.04,"body":"much."},{"speaker":"Rebecca Wiggins","startTime":2115.25,"endTime":2115.43,"body":"It's"},{"speaker":"Rebecca Wiggins","startTime":2115.431,"endTime":2115.67,"body":"always"},{"speaker":"Rebecca Wiggins","startTime":2115.671,"endTime":2115.73,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":2115.731,"endTime":2116.06,"body":"pleasure"},{"speaker":"Rebecca Wiggins","startTime":2116.061,"endTime":2116.45,"body":"talking"},{"speaker":"Rebecca Wiggins","startTime":2116.451,"endTime":2116.6,"body":"with"},{"speaker":"Rebecca Wiggins","startTime":2116.601,"endTime":2116.96,"body":"you,"},{"speaker":"Rebecca Wiggins","startTime":2116.961,"endTime":2117.2,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":2117.201,"endTime":2117.35,"body":"I"},{"speaker":"Rebecca Wiggins","startTime":2117.351,"endTime":2117.83,"body":"appreciate"},{"speaker":"Rebecca Wiggins","startTime":2117.831,"endTime":2118.01,"body":"all"},{"speaker":"Rebecca Wiggins","startTime":2118.011,"endTime":2118.19,"body":"you"},{"speaker":"Rebecca Wiggins","startTime":2118.191,"endTime":2118.49,"body":"do"},{"speaker":"Rebecca Wiggins","startTime":2118.491,"endTime":2119.03,"body":"to"},{"speaker":"Rebecca Wiggins","startTime":2119.24,"endTime":2119.54,"body":"reach"},{"speaker":"Rebecca Wiggins","startTime":2119.541,"endTime":2119.75,"body":"out"},{"speaker":"Rebecca Wiggins","startTime":2119.751,"endTime":2119.84,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":2119.841,"endTime":2120.2,"body":"provide"},{"speaker":"Rebecca Wiggins","startTime":2120.201,"endTime":2120.77,"body":"education"},{"speaker":"Rebecca Wiggins","startTime":2120.771,"endTime":2120.89,"body":"on"},{"speaker":"Rebecca Wiggins","startTime":2120.891,"endTime":2121.1,"body":"this"},{"speaker":"Rebecca Wiggins","startTime":2121.101,"endTime":2121.25,"body":"to"},{"speaker":"Rebecca Wiggins","startTime":2121.251,"endTime":2121.46,"body":"kind"},{"speaker":"Rebecca Wiggins","startTime":2121.461,"endTime":2121.52,"body":"of"},{"speaker":"Rebecca Wiggins","startTime":2121.521,"endTime":2121.91,"body":"dispel"},{"speaker":"Rebecca Wiggins","startTime":2121.911,"endTime":2122.03,"body":"all"},{"speaker":"Rebecca Wiggins","startTime":2122.031,"endTime":2122.27,"body":"those"},{"speaker":"Rebecca Wiggins","startTime":2122.271,"endTime":2122.54,"body":"myths"},{"speaker":"Rebecca Wiggins","startTime":2122.541,"endTime":2122.69,"body":"as"},{"speaker":"Rebecca Wiggins","startTime":2122.691,"endTime":2122.9,"body":"well."},{"speaker":"Rebecca Wiggins","startTime":2122.901,"endTime":2123.02,"body":"So"},{"speaker":"Rebecca Wiggins","startTime":2123.021,"endTime":2123.29,"body":"thanks"},{"speaker":"Rebecca Wiggins","startTime":2123.291,"endTime":2123.38,"body":"so"},{"speaker":"Rebecca Wiggins","startTime":2123.381,"endTime":2123.53,"body":"much"},{"speaker":"Rebecca Wiggins","startTime":2123.531,"endTime":2123.65,"body":"for"},{"speaker":"Rebecca Wiggins","startTime":2123.651,"endTime":2123.95,"body":"joining"},{"speaker":"Rebecca Wiggins","startTime":2123.951,"endTime":2124.1,"body":"us"},{"speaker":"Rebecca Wiggins","startTime":2124.101,"endTime":2124.49,"body":"today."},{"speaker":"Rod Griffin","startTime":2124.73,"endTime":2125.0,"body":"Great."},{"speaker":"Rod Griffin","startTime":2125.001,"endTime":2125.3,"body":"Thank"},{"speaker":"Rod Griffin","startTime":2125.301,"endTime":2125.48,"body":"you"},{"speaker":"Rod Griffin","startTime":2125.481,"endTime":2125.66,"body":"for"},{"speaker":"Rod Griffin","startTime":2125.661,"endTime":2125.96,"body":"having"},{"speaker":"Rod Griffin","startTime":2125.961,"endTime":2126.2,"body":"me."},{"speaker":"Dr. Mary Bell Carlson","startTime":2126.56,"endTime":2126.95,"body":"Rebecca,"},{"speaker":"Dr. Mary Bell Carlson","startTime":2126.56,"endTime":2126.95,"body":"this"},{"speaker":"Dr. Mary Bell Carlson","startTime":2127.131,"endTime":2127.31,"body":"was"},{"speaker":"Dr. Mary Bell Carlson","startTime":2127.311,"endTime":2127.37,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":2127.371,"endTime":2128.24,"body":"fantastic"},{"speaker":"Dr. Mary Bell Carlson","startTime":2128.241,"endTime":2128.96,"body":"episode."},{"speaker":"Dr. Mary Bell Carlson","startTime":2128.99,"endTime":2129.32,"body":"As"},{"speaker":"Dr. Mary Bell Carlson","startTime":2129.321,"endTime":2129.38,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":2129.381,"endTime":2129.74,"body":"teacher,"},{"speaker":"Dr. Mary Bell Carlson","startTime":2129.741,"endTime":2129.83,"body":"it"},{"speaker":"Dr. Mary Bell Carlson","startTime":2129.831,"endTime":2129.95,"body":"was"},{"speaker":"Dr. Mary Bell Carlson","startTime":2129.951,"endTime":2130.49,"body":"great"},{"speaker":"Dr. Mary Bell Carlson","startTime":2130.55,"endTime":2130.79,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":2130.791,"endTime":2131.33,"body":"hear"},{"speaker":"Dr. Mary Bell Carlson","startTime":2131.331,"endTime":2131.81,"body":"Rod"},{"speaker":"Dr. Mary Bell Carlson","startTime":2131.811,"endTime":2132.11,"body":"speak"},{"speaker":"Dr. Mary Bell Carlson","startTime":2132.111,"endTime":2132.26,"body":"on"},{"speaker":"Dr. Mary Bell Carlson","startTime":2132.261,"endTime":2132.41,"body":"this"},{"speaker":"Dr. Mary Bell Carlson","startTime":2132.411,"endTime":2132.95,"body":"topic"},{"speaker":"Dr. Mary Bell Carlson","startTime":2132.98,"endTime":2133.52,"body":"because"},{"speaker":"Dr. Mary Bell Carlson","startTime":2133.521,"endTime":2133.67,"body":"he"},{"speaker":"Dr. Mary Bell Carlson","startTime":2133.671,"endTime":2134.12,"body":"covered"},{"speaker":"Dr. Mary Bell Carlson","startTime":2134.121,"endTime":2134.27,"body":"so"},{"speaker":"Dr. Mary Bell Carlson","startTime":2134.271,"endTime":2134.48,"body":"many"},{"speaker":"Dr. Mary Bell Carlson","startTime":2134.481,"endTime":2134.84,"body":"things"},{"speaker":"Dr. Mary Bell Carlson","startTime":2134.96,"endTime":2134.96,"body":"and"},{"speaker":"Dr. Mary Bell Carlson","startTime":2134.961,"endTime":2135.2,"body":"credit"},{"speaker":"Dr. Mary Bell Carlson","startTime":2135.201,"endTime":2135.59,"body":"reporting"},{"speaker":"Dr. Mary Bell Carlson","startTime":2135.71,"endTime":2135.71,"body":"and"},{"speaker":"Dr. Mary Bell Carlson","startTime":2135.711,"endTime":2136.25,"body":"scoring"},{"speaker":"Dr. Mary Bell Carlson","startTime":2136.251,"endTime":2136.46,"body":"that"},{"speaker":"Dr. Mary Bell Carlson","startTime":2136.461,"endTime":2136.55,"body":"I"},{"speaker":"Dr. Mary Bell Carlson","startTime":2136.551,"endTime":2136.82,"body":"teach"},{"speaker":"Dr. Mary Bell Carlson","startTime":2136.821,"endTime":2136.91,"body":"in"},{"speaker":"Dr. Mary Bell Carlson","startTime":2136.911,"endTime":2136.97,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":2136.99,"endTime":2137.41,"body":"course."},{"speaker":"Dr. Mary Bell Carlson","startTime":2137.44,"endTime":2137.83,"body":"And,"},{"speaker":"Dr. Mary Bell Carlson","startTime":2137.86,"endTime":2137.98,"body":"I"},{"speaker":"Dr. Mary Bell Carlson","startTime":2137.981,"endTime":2138.16,"body":"thought"},{"speaker":"Dr. Mary Bell Carlson","startTime":2138.161,"endTime":2138.25,"body":"it"},{"speaker":"Dr. Mary Bell Carlson","startTime":2138.251,"endTime":2138.34,"body":"was"},{"speaker":"Dr. Mary Bell Carlson","startTime":2138.341,"endTime":2138.55,"body":"very"},{"speaker":"Dr. Mary Bell Carlson","startTime":2138.551,"endTime":2138.94,"body":"interesting"},{"speaker":"Dr. Mary Bell Carlson","startTime":2138.941,"endTime":2139.03,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":2139.031,"endTime":2139.09,"body":"know"},{"speaker":"Dr. Mary Bell Carlson","startTime":2139.091,"endTime":2139.18,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":2139.181,"endTime":2139.57,"body":"history"},{"speaker":"Dr. Mary Bell Carlson","startTime":2139.571,"endTime":2139.69,"body":"of"},{"speaker":"Dr. Mary Bell Carlson","startTime":2140.44,"endTime":2140.44,"body":"Experian"},{"speaker":"Dr. Mary Bell Carlson","startTime":2140.45,"endTime":2140.59,"body":"and"},{"speaker":"Dr. Mary Bell Carlson","startTime":2140.591,"endTime":2140.77,"body":"how"},{"speaker":"Dr. Mary Bell Carlson","startTime":2140.771,"endTime":2140.92,"body":"it"},{"speaker":"Dr. Mary Bell Carlson","startTime":2140.921,"endTime":2141.07,"body":"came"},{"speaker":"Dr. Mary Bell Carlson","startTime":2141.071,"endTime":2141.58,"body":"about."},{"speaker":"Dr. Mary Bell Carlson","startTime":2141.94,"endTime":2142.15,"body":"I"},{"speaker":"Dr. Mary Bell Carlson","startTime":2142.151,"endTime":2142.75,"body":"love"},{"speaker":"Dr. Mary Bell Carlson","startTime":2142.751,"endTime":2142.93,"body":"that"},{"speaker":"Dr. Mary Bell Carlson","startTime":2142.931,"endTime":2143.05,"body":"he"},{"speaker":"Dr. Mary Bell Carlson","startTime":2143.051,"endTime":2143.65,"body":"discussed"},{"speaker":"Dr. Mary Bell Carlson","startTime":2143.68,"endTime":2143.86,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":2143.861,"endTime":2144.37,"body":"difference"},{"speaker":"Dr. Mary Bell Carlson","startTime":2144.371,"endTime":2144.7,"body":"between"},{"speaker":"Dr. Mary Bell Carlson","startTime":2144.701,"endTime":2144.76,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":2144.761,"endTime":2145.06,"body":"credit"},{"speaker":"Dr. Mary Bell Carlson","startTime":2145.061,"endTime":2145.57,"body":"report"},{"speaker":"Dr. Mary Bell Carlson","startTime":2145.571,"endTime":2145.69,"body":"and"},{"speaker":"Dr. Mary Bell Carlson","startTime":2145.691,"endTime":2145.75,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":2145.751,"endTime":2146.11,"body":"credit"},{"speaker":"Dr. Mary Bell Carlson","startTime":2146.111,"endTime":2146.56,"body":"score."},{"speaker":"Dr. Mary Bell Carlson","startTime":2146.561,"endTime":2147.1,"body":"So"},{"speaker":"Dr. Mary Bell Carlson","startTime":2147.101,"endTime":2147.34,"body":"much"},{"speaker":"Dr. Mary Bell Carlson","startTime":2147.341,"endTime":2148.15,"body":"confusion"},{"speaker":"Dr. Mary Bell Carlson","startTime":2148.42,"endTime":2148.66,"body":"it"},{"speaker":"Dr. Mary Bell Carlson","startTime":2148.661,"endTime":2149.29,"body":"surrounds"},{"speaker":"Dr. Mary Bell Carlson","startTime":2149.32,"endTime":2149.74,"body":"that"},{"speaker":"Dr. Mary Bell Carlson","startTime":2149.77,"endTime":2150.07,"body":"one"},{"speaker":"Dr. Mary Bell Carlson","startTime":2150.071,"endTime":2150.49,"body":"topic"},{"speaker":"Dr. Mary Bell Carlson","startTime":2150.491,"endTime":2150.94,"body":"alone."},{"speaker":"Dr. Mary Bell Carlson","startTime":2151.21,"endTime":2151.39,"body":"And"},{"speaker":"Dr. Mary Bell Carlson","startTime":2151.391,"endTime":2151.54,"body":"then"},{"speaker":"Dr. Mary Bell Carlson","startTime":2151.541,"endTime":2151.69,"body":"he"},{"speaker":"Dr. Mary Bell Carlson","startTime":2151.691,"endTime":2151.87,"body":"just"},{"speaker":"Dr. Mary Bell Carlson","startTime":2151.871,"endTime":2152.05,"body":"gave"},{"speaker":"Dr. Mary Bell Carlson","startTime":2152.051,"endTime":2152.14,"body":"you"},{"speaker":"Dr. Mary Bell Carlson","startTime":2152.141,"endTime":2152.23,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":2152.231,"endTime":2152.53,"body":"lot"},{"speaker":"Dr. Mary Bell Carlson","startTime":2152.531,"endTime":2152.71,"body":"of"},{"speaker":"Dr. Mary Bell Carlson","startTime":2152.86,"endTime":2153.34,"body":"good"},{"speaker":"Dr. Mary Bell Carlson","startTime":2153.58,"endTime":2154.21,"body":"topics"},{"speaker":"Dr. Mary Bell Carlson","startTime":2154.211,"endTime":2154.48,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":2154.481,"endTime":2154.63,"body":"be"},{"speaker":"Dr. Mary Bell Carlson","startTime":2154.631,"endTime":2154.84,"body":"able"},{"speaker":"Dr. Mary Bell Carlson","startTime":2154.841,"endTime":2154.93,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":2154.931,"endTime":2155.14,"body":"hit"},{"speaker":"Dr. Mary Bell Carlson","startTime":2155.141,"endTime":2155.32,"body":"from"},{"speaker":"Dr. Mary Bell Carlson","startTime":2155.321,"endTime":2155.38,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":2155.381,"endTime":2155.77,"body":"credit"},{"speaker":"Dr. Mary Bell Carlson","startTime":2155.771,"endTime":2156.37,"body":"freeze"},{"speaker":"Dr. Mary Bell Carlson","startTime":2156.4,"endTime":2156.67,"body":"or"},{"speaker":"Dr. Mary Bell Carlson","startTime":2156.671,"endTime":2156.82,"body":"how"},{"speaker":"Dr. Mary Bell Carlson","startTime":2156.821,"endTime":2156.94,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":2156.941,"endTime":2157.21,"body":"change"},{"speaker":"Dr. Mary Bell Carlson","startTime":2157.211,"endTime":2157.63,"body":"incorrect"},{"speaker":"Dr. Mary Bell Carlson","startTime":2157.631,"endTime":2158.38,"body":"information."},{"speaker":"Dr. Mary Bell Carlson","startTime":2158.74,"endTime":2158.98,"body":"Just"},{"speaker":"Dr. Mary Bell Carlson","startTime":2158.981,"endTime":2159.04,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":2159.041,"endTime":2159.22,"body":"lot"},{"speaker":"Dr. Mary Bell Carlson","startTime":2159.221,"endTime":2159.31,"body":"of"},{"speaker":"Dr. Mary Bell Carlson","startTime":2159.311,"endTime":2159.64,"body":"things"},{"speaker":"Dr. Mary Bell Carlson","startTime":2159.641,"endTime":2159.73,"body":"that"},{"speaker":"Dr. Mary Bell Carlson","startTime":2159.731,"endTime":2159.82,"body":"are,"},{"speaker":"Dr. Mary Bell Carlson","startTime":2159.821,"endTime":2159.88,"body":"I"},{"speaker":"Dr. Mary Bell Carlson","startTime":2159.881,"endTime":2160.09,"body":"think,"},{"speaker":"Dr. Mary Bell Carlson","startTime":2160.091,"endTime":2160.27,"body":"are"},{"speaker":"Dr. Mary Bell Carlson","startTime":2160.51,"endTime":2160.81,"body":"good"},{"speaker":"Dr. Mary Bell Carlson","startTime":2160.811,"endTime":2160.99,"body":"for"},{"speaker":"Dr. Mary Bell Carlson","startTime":2160.991,"endTime":2161.32,"body":"both"},{"speaker":"Dr. Mary Bell Carlson","startTime":2161.35,"endTime":2162.16,"body":"practitioners,"},{"speaker":"Dr. Mary Bell Carlson","startTime":2162.161,"endTime":2162.37,"body":"as"},{"speaker":"Dr. Mary Bell Carlson","startTime":2162.371,"endTime":2162.58,"body":"well"},{"speaker":"Dr. Mary Bell Carlson","startTime":2162.581,"endTime":2162.73,"body":"as"},{"speaker":"Dr. Mary Bell Carlson","startTime":2162.731,"endTime":2163.54,"body":"consumers."},{"speaker":"Dr. Mary Bell Carlson","startTime":2163.84,"endTime":2164.05,"body":"And"},{"speaker":"Dr. Mary Bell Carlson","startTime":2164.051,"endTime":2164.14,"body":"I"},{"speaker":"Dr. Mary Bell Carlson","startTime":2164.141,"endTime":2164.53,"body":"really"},{"speaker":"Dr. Mary Bell Carlson","startTime":2164.86,"endTime":2164.86,"body":"like"},{"speaker":"Dr. Mary Bell Carlson","startTime":2164.861,"endTime":2165.1,"body":"this"},{"speaker":"Dr. Mary Bell Carlson","startTime":2165.101,"endTime":2165.64,"body":"new"},{"speaker":"Dr. Mary Bell Carlson","startTime":2165.101,"endTime":2165.64,"body":"Experian"},{"speaker":"Dr. Mary Bell Carlson","startTime":2165.7,"endTime":2166.36,"body":"Boost"},{"speaker":"Dr. Mary Bell Carlson","startTime":2166.811,"endTime":2167.11,"body":"or"},{"speaker":"Dr. Mary Bell Carlson","startTime":2167.111,"endTime":2167.29,"body":"what"},{"speaker":"Dr. Mary Bell Carlson","startTime":2167.291,"endTime":2167.44,"body":"we're"},{"speaker":"Dr. Mary Bell Carlson","startTime":2167.441,"endTime":2168.04,"body":"seeing"},{"speaker":"Dr. Mary Bell Carlson","startTime":2168.31,"endTime":2168.7,"body":"as"},{"speaker":"Dr. Mary Bell Carlson","startTime":2168.701,"endTime":2169.42,"body":"apartments"},{"speaker":"Dr. Mary Bell Carlson","startTime":2169.421,"endTime":2170.02,"body":"or"},{"speaker":"Dr. Mary Bell Carlson","startTime":2170.05,"endTime":2170.44,"body":"mobile"},{"speaker":"Dr. Mary Bell Carlson","startTime":2170.441,"endTime":2170.92,"body":"phones"},{"speaker":"Dr. Mary Bell Carlson","startTime":2170.921,"endTime":2171.01,"body":"or"},{"speaker":"Dr. Mary Bell Carlson","startTime":2171.011,"endTime":2171.28,"body":"gym"},{"speaker":"Dr. Mary Bell Carlson","startTime":2171.281,"endTime":2171.88,"body":"memberships,"},{"speaker":"Dr. Mary Bell Carlson","startTime":2171.91,"endTime":2172.27,"body":"things"},{"speaker":"Dr. Mary Bell Carlson","startTime":2172.271,"endTime":2172.54,"body":"that"},{"speaker":"Dr. Mary Bell Carlson","startTime":2172.541,"endTime":2172.75,"body":"we"},{"speaker":"Dr. Mary Bell Carlson","startTime":2172.751,"endTime":2173.17,"body":"haven't"},{"speaker":"Dr. Mary Bell Carlson","startTime":2173.171,"endTime":2173.41,"body":"seen"},{"speaker":"Dr. Mary Bell Carlson","startTime":2173.411,"endTime":2173.56,"body":"on"},{"speaker":"Dr. Mary Bell Carlson","startTime":2173.561,"endTime":2173.62,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":2173.621,"endTime":2173.95,"body":"credit"},{"speaker":"Dr. Mary Bell Carlson","startTime":2173.951,"endTime":2174.37,"body":"report"},{"speaker":"Dr. Mary Bell Carlson","startTime":2174.371,"endTime":2175.0,"body":"before,"},{"speaker":"Dr. Mary Bell Carlson","startTime":2175.3,"endTime":2175.72,"body":"finally"},{"speaker":"Dr. Mary Bell Carlson","startTime":2175.721,"endTime":2176.11,"body":"being"},{"speaker":"Dr. Mary Bell Carlson","startTime":2176.14,"endTime":2176.65,"body":"added"},{"speaker":"Dr. Mary Bell Carlson","startTime":2176.651,"endTime":2176.74,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":2176.741,"endTime":2177.28,"body":"help"},{"speaker":"Dr. Mary Bell Carlson","startTime":2177.281,"endTime":2177.64,"body":"those"},{"speaker":"Dr. Mary Bell Carlson","startTime":2177.641,"endTime":2177.76,"body":"that"},{"speaker":"Dr. Mary Bell Carlson","startTime":2177.761,"endTime":2178.06,"body":"maybe"},{"speaker":"Dr. Mary Bell Carlson","startTime":2178.061,"endTime":2178.24,"body":"have"},{"speaker":"Dr. Mary Bell Carlson","startTime":2178.241,"endTime":2178.45,"body":"been"},{"speaker":"Dr. Mary Bell Carlson","startTime":2178.451,"endTime":2179.08,"body":"outside"},{"speaker":"Dr. Mary Bell Carlson","startTime":2179.081,"endTime":2179.17,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":2179.171,"endTime":2179.59,"body":"bounds"},{"speaker":"Dr. Mary Bell Carlson","startTime":2179.62,"endTime":2179.83,"body":"of"},{"speaker":"Dr. Mary Bell Carlson","startTime":2179.831,"endTime":2180.34,"body":"credit"},{"speaker":"Dr. Mary Bell Carlson","startTime":2180.37,"endTime":2180.55,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":2180.551,"endTime":2180.7,"body":"be"},{"speaker":"Dr. Mary Bell Carlson","startTime":2180.701,"endTime":2180.97,"body":"able"},{"speaker":"Dr. Mary Bell Carlson","startTime":2180.971,"endTime":2181.06,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":2181.061,"endTime":2181.3,"body":"help"},{"speaker":"Dr. Mary Bell Carlson","startTime":2181.301,"endTime":2181.48,"body":"them"},{"speaker":"Dr. Mary Bell Carlson","startTime":2181.481,"endTime":2181.66,"body":"get"},{"speaker":"Dr. Mary Bell Carlson","startTime":2181.661,"endTime":2181.81,"body":"good"},{"speaker":"Dr. Mary Bell Carlson","startTime":2181.811,"endTime":2182.29,"body":"credit"},{"speaker":"Dr. Mary Bell Carlson","startTime":2182.291,"endTime":2182.59,"body":"and"},{"speaker":"Dr. Mary Bell Carlson","startTime":2182.74,"endTime":2183.46,"body":"possibly"},{"speaker":"Dr. Mary Bell Carlson","startTime":2183.49,"endTime":2183.85,"body":"make"},{"speaker":"Dr. Mary Bell Carlson","startTime":2183.851,"endTime":2184.18,"body":"larger"},{"speaker":"Dr. Mary Bell Carlson","startTime":2184.181,"endTime":2184.78,"body":"purchases"},{"speaker":"Dr. Mary Bell Carlson","startTime":2184.99,"endTime":2185.32,"body":"and"},{"speaker":"Dr. Mary Bell Carlson","startTime":2185.35,"endTime":2185.59,"body":"things"},{"speaker":"Dr. Mary Bell Carlson","startTime":2185.591,"endTime":2185.74,"body":"like"},{"speaker":"Dr. Mary Bell Carlson","startTime":2185.741,"endTime":2185.86,"body":"that."},{"speaker":"Rebecca Wiggins","startTime":2186.06,"endTime":2186.36,"body":"Yeah,"},{"speaker":"Rebecca Wiggins","startTime":2186.39,"endTime":2186.71,"body":"Rod"},{"speaker":"Rebecca Wiggins","startTime":2186.39,"endTime":2186.71,"body":"is"},{"speaker":"Rebecca Wiggins","startTime":2186.74,"endTime":2186.93,"body":"so"},{"speaker":"Rebecca Wiggins","startTime":2186.931,"endTime":2187.11,"body":"fun"},{"speaker":"Rebecca Wiggins","startTime":2187.111,"endTime":2187.2,"body":"to"},{"speaker":"Rebecca Wiggins","startTime":2187.201,"endTime":2187.47,"body":"talk"},{"speaker":"Rebecca Wiggins","startTime":2187.471,"endTime":2187.59,"body":"to,"},{"speaker":"Rebecca Wiggins","startTime":2187.591,"endTime":2187.71,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":2187.711,"endTime":2187.74,"body":"I"},{"speaker":"Rebecca Wiggins","startTime":2187.741,"endTime":2187.95,"body":"feel"},{"speaker":"Rebecca Wiggins","startTime":2187.951,"endTime":2188.25,"body":"like"},{"speaker":"Rebecca Wiggins","startTime":2188.94,"endTime":2188.94,"body":"Experian"},{"speaker":"Rebecca Wiggins","startTime":2188.941,"endTime":2189.06,"body":"in"},{"speaker":"Rebecca Wiggins","startTime":2189.061,"endTime":2189.42,"body":"general."},{"speaker":"Rebecca Wiggins","startTime":2189.421,"endTime":2189.57,"body":"But"},{"speaker":"Rebecca Wiggins","startTime":2189.571,"endTime":2190.02,"body":"Rod"},{"speaker":"Rebecca Wiggins","startTime":2190.02,"endTime":2190.02,"body":","},{"speaker":"Rebecca Wiggins","startTime":2190.11,"endTime":2190.29,"body":"particularly"},{"speaker":"Rebecca Wiggins","startTime":2191.011,"endTime":2191.19,"body":"has"},{"speaker":"Rebecca Wiggins","startTime":2191.191,"endTime":2191.37,"body":"done"},{"speaker":"Rebecca Wiggins","startTime":2191.371,"endTime":2191.61,"body":"such"},{"speaker":"Rebecca Wiggins","startTime":2191.611,"endTime":2191.67,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":2191.671,"endTime":2191.91,"body":"great"},{"speaker":"Rebecca Wiggins","startTime":2191.911,"endTime":2192.27,"body":"job"},{"speaker":"Rebecca Wiggins","startTime":2192.3,"endTime":2192.75,"body":"of"},{"speaker":"Rebecca Wiggins","startTime":2192.78,"endTime":2193.65,"body":"making,"},{"speaker":"Rebecca Wiggins","startTime":2193.89,"endTime":2193.98,"body":"I"},{"speaker":"Rebecca Wiggins","startTime":2193.981,"endTime":2194.22,"body":"guess,"},{"speaker":"Rebecca Wiggins","startTime":2194.221,"endTime":2194.34,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":2194.341,"endTime":2194.7,"body":"credit"},{"speaker":"Rebecca Wiggins","startTime":2194.701,"endTime":2195.15,"body":"industry"},{"speaker":"Rebecca Wiggins","startTime":2195.151,"endTime":2195.33,"body":"as"},{"speaker":"Rebecca Wiggins","startTime":2195.331,"endTime":2195.39,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":2195.391,"endTime":2195.84,"body":"whole,"},{"speaker":"Rebecca Wiggins","startTime":2195.841,"endTime":2196.05,"body":"just"},{"speaker":"Rebecca Wiggins","startTime":2196.051,"endTime":2196.17,"body":"so"},{"speaker":"Rebecca Wiggins","startTime":2196.171,"endTime":2196.35,"body":"much"},{"speaker":"Rebecca Wiggins","startTime":2196.351,"endTime":2196.53,"body":"more"},{"speaker":"Rebecca Wiggins","startTime":2196.531,"endTime":2197.19,"body":"accessible."},{"speaker":"Rebecca Wiggins","startTime":2197.191,"endTime":2197.34,"body":"So"},{"speaker":"Rebecca Wiggins","startTime":2197.341,"endTime":2197.52,"body":"I've"},{"speaker":"Rebecca Wiggins","startTime":2197.521,"endTime":2197.73,"body":"really"},{"speaker":"Rebecca Wiggins","startTime":2197.731,"endTime":2198.36,"body":"appreciated"},{"speaker":"Rebecca Wiggins","startTime":2198.361,"endTime":2198.51,"body":"their"},{"speaker":"Rebecca Wiggins","startTime":2198.511,"endTime":2198.84,"body":"work"},{"speaker":"Rebecca Wiggins","startTime":2198.841,"endTime":2198.93,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":2198.931,"endTime":2199.05,"body":"their"},{"speaker":"Rebecca Wiggins","startTime":2199.051,"endTime":2199.56,"body":"focus"},{"speaker":"Rebecca Wiggins","startTime":2199.59,"endTime":2199.89,"body":"really"},{"speaker":"Rebecca Wiggins","startTime":2199.891,"endTime":2200.01,"body":"in"},{"speaker":"Rebecca Wiggins","startTime":2200.011,"endTime":2200.19,"body":"that"},{"speaker":"Rebecca Wiggins","startTime":2200.191,"endTime":2200.67,"body":"consumer"},{"speaker":"Rebecca Wiggins","startTime":2200.671,"endTime":2201.24,"body":"education"},{"speaker":"Rebecca Wiggins","startTime":2201.241,"endTime":2201.84,"body":"space."},{"speaker":"Rebecca Wiggins","startTime":2202.02,"endTime":2202.2,"body":"I"},{"speaker":"Rebecca Wiggins","startTime":2202.201,"endTime":2202.8,"body":"also,"},{"speaker":"Rebecca Wiggins","startTime":2202.801,"endTime":2202.98,"body":"as"},{"speaker":"Rebecca Wiggins","startTime":2202.981,"endTime":2203.1,"body":"you"},{"speaker":"Rebecca Wiggins","startTime":2203.101,"endTime":2203.34,"body":"said,"},{"speaker":"Rebecca Wiggins","startTime":2203.341,"endTime":2203.67,"body":"really"},{"speaker":"Rebecca Wiggins","startTime":2203.671,"endTime":2204.21,"body":"enjoyed"},{"speaker":"Rebecca Wiggins","startTime":2204.24,"endTime":2204.57,"body":"learning"},{"speaker":"Rebecca Wiggins","startTime":2204.571,"endTime":2204.78,"body":"more"},{"speaker":"Rebecca Wiggins","startTime":2204.781,"endTime":2205.05,"body":"about"},{"speaker":"Rebecca Wiggins","startTime":2205.051,"endTime":2205.5,"body":"Boost"},{"speaker":"Rebecca Wiggins","startTime":2205.501,"endTime":2205.62,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":2205.621,"endTime":2205.71,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":2205.711,"endTime":2205.98,"body":"ways"},{"speaker":"Rebecca Wiggins","startTime":2205.981,"endTime":2206.13,"body":"that"},{"speaker":"Rebecca Wiggins","startTime":2206.131,"endTime":2206.25,"body":"they're"},{"speaker":"Rebecca Wiggins","startTime":2206.251,"endTime":2206.46,"body":"sort"},{"speaker":"Rebecca Wiggins","startTime":2206.461,"endTime":2206.52,"body":"of"},{"speaker":"Rebecca Wiggins","startTime":2206.521,"endTime":2207.24,"body":"creatively"},{"speaker":"Rebecca Wiggins","startTime":2207.241,"endTime":2207.75,"body":"tackling"},{"speaker":"Rebecca Wiggins","startTime":2207.751,"endTime":2207.9,"body":"this"},{"speaker":"Rebecca Wiggins","startTime":2207.901,"endTime":2208.29,"body":"problem"},{"speaker":"Rebecca Wiggins","startTime":2208.291,"endTime":2208.44,"body":"of"},{"speaker":"Rebecca Wiggins","startTime":2208.56,"endTime":2208.89,"body":"bringing"},{"speaker":"Rebecca Wiggins","startTime":2208.891,"endTime":2209.07,"body":"more"},{"speaker":"Rebecca Wiggins","startTime":2209.071,"endTime":2209.34,"body":"people"},{"speaker":"Rebecca Wiggins","startTime":2209.341,"endTime":2209.46,"body":"who"},{"speaker":"Rebecca Wiggins","startTime":2209.461,"endTime":2209.58,"body":"have"},{"speaker":"Rebecca Wiggins","startTime":2209.581,"endTime":2209.76,"body":"been"},{"speaker":"Rebecca Wiggins","startTime":2209.761,"endTime":2210.42,"body":"marginalized"},{"speaker":"Rebecca Wiggins","startTime":2210.421,"endTime":2210.51,"body":"or"},{"speaker":"Rebecca Wiggins","startTime":2210.511,"endTime":2210.75,"body":"left"},{"speaker":"Rebecca Wiggins","startTime":2210.751,"endTime":2210.9,"body":"out"},{"speaker":"Rebecca Wiggins","startTime":2210.901,"endTime":2211.06,"body":"of,"},{"speaker":"Rebecca Wiggins","startTime":2211.18,"endTime":2211.47,"body":"out"},{"speaker":"Rebecca Wiggins","startTime":2211.471,"endTime":2211.56,"body":"of"},{"speaker":"Rebecca Wiggins","startTime":2211.561,"endTime":2211.65,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":2211.651,"endTime":2212.19,"body":"services."},{"speaker":"Rebecca Wiggins","startTime":2212.191,"endTime":2212.37,"body":"So"},{"speaker":"Rebecca Wiggins","startTime":2212.371,"endTime":2212.46,"body":"I"},{"speaker":"Rebecca Wiggins","startTime":2212.461,"endTime":2212.67,"body":"thought"},{"speaker":"Rebecca Wiggins","startTime":2212.671,"endTime":2212.82,"body":"that"},{"speaker":"Rebecca Wiggins","startTime":2212.821,"endTime":2212.94,"body":"was"},{"speaker":"Rebecca Wiggins","startTime":2212.941,"endTime":2213.18,"body":"really"},{"speaker":"Rebecca Wiggins","startTime":2213.181,"endTime":2213.6,"body":"interesting"},{"speaker":"Rebecca Wiggins","startTime":2213.601,"endTime":2213.75,"body":"too."},{"speaker":"Rebecca Wiggins","startTime":2213.751,"endTime":2213.84,"body":"And"},{"speaker":"Rebecca Wiggins","startTime":2213.841,"endTime":2213.9,"body":"I"},{"speaker":"Rebecca Wiggins","startTime":2213.901,"endTime":2214.35,"body":"loved"},{"speaker":"Rebecca Wiggins","startTime":2214.351,"endTime":2214.44,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":2214.441,"endTime":2214.8,"body":"history."},{"speaker":"Rebecca Wiggins","startTime":2214.801,"endTime":2214.92,"body":"I"},{"speaker":"Rebecca Wiggins","startTime":2214.921,"endTime":2215.07,"body":"didn't"},{"speaker":"Rebecca Wiggins","startTime":2215.071,"endTime":2215.22,"body":"even"},{"speaker":"Rebecca Wiggins","startTime":2215.221,"endTime":2215.37,"body":"really"},{"speaker":"Rebecca Wiggins","startTime":2215.371,"endTime":2215.52,"body":"know"},{"speaker":"Rebecca Wiggins","startTime":2215.521,"endTime":2215.73,"body":"all"},{"speaker":"Rebecca Wiggins","startTime":2215.731,"endTime":2215.82,"body":"of"},{"speaker":"Rebecca Wiggins","startTime":2215.821,"endTime":2216.06,"body":"that."},{"speaker":"Rebecca Wiggins","startTime":2216.061,"endTime":2216.18,"body":"So"},{"speaker":"Rebecca Wiggins","startTime":2216.181,"endTime":2216.24,"body":"I"},{"speaker":"Rebecca Wiggins","startTime":2216.241,"endTime":2216.42,"body":"thought"},{"speaker":"Rebecca Wiggins","startTime":2216.421,"endTime":2216.54,"body":"that"},{"speaker":"Rebecca Wiggins","startTime":2216.541,"endTime":2216.63,"body":"was"},{"speaker":"Rebecca Wiggins","startTime":2216.631,"endTime":2216.99,"body":"great."},{"speaker":"Rebecca Wiggins","startTime":2217.29,"endTime":2217.41,"body":"I"},{"speaker":"Rebecca Wiggins","startTime":2217.411,"endTime":2217.65,"body":"want"},{"speaker":"Rebecca Wiggins","startTime":2217.411,"endTime":2217.65,"body":"to"},{"speaker":"Rebecca Wiggins","startTime":2217.73,"endTime":2218.25,"body":"remind"},{"speaker":"Rebecca Wiggins","startTime":2218.251,"endTime":2218.76,"body":"everyone"},{"speaker":"Rebecca Wiggins","startTime":2218.761,"endTime":2219.0,"body":"though"},{"speaker":"Rebecca Wiggins","startTime":2219.001,"endTime":2219.21,"body":"that"},{"speaker":"Rebecca Wiggins","startTime":2219.211,"endTime":2219.57,"body":"April"},{"speaker":"Rebecca Wiggins","startTime":2219.571,"endTime":2219.84,"body":"is"},{"speaker":"Rebecca Wiggins","startTime":2219.841,"endTime":2220.23,"body":"Financial"},{"speaker":"Rebecca Wiggins","startTime":2220.231,"endTime":2220.71,"body":"Literacy"},{"speaker":"Rebecca Wiggins","startTime":2220.711,"endTime":2221.1,"body":"Month."},{"speaker":"Rebecca Wiggins","startTime":2221.16,"endTime":2221.34,"body":"And"},{"speaker":"Rebecca Wiggins","startTime":2221.341,"endTime":2221.79,"body":"so"},{"speaker":"Rebecca Wiggins","startTime":2221.82,"endTime":2222.0,"body":"in"},{"speaker":"Rebecca Wiggins","startTime":2222.001,"endTime":2222.81,"body":"celebration,"},{"speaker":"Rebecca Wiggins","startTime":2222.82,"endTime":2223.44,"body":"AFCPE®"},{"speaker":"Rebecca Wiggins","startTime":2223.441,"endTime":2223.62,"body":"is"},{"speaker":"Rebecca Wiggins","startTime":2223.621,"endTime":2224.1,"body":"offering"},{"speaker":"Rebecca Wiggins","startTime":2224.13,"endTime":2224.25,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":2224.28,"endTime":2224.58,"body":"great"},{"speaker":"Rebecca Wiggins","startTime":2224.581,"endTime":2225.3,"body":"opportunity"},{"speaker":"Rebecca Wiggins","startTime":2225.301,"endTime":2225.51,"body":"for"},{"speaker":"Rebecca Wiggins","startTime":2225.511,"endTime":2225.75,"body":"you"},{"speaker":"Rebecca Wiggins","startTime":2225.751,"endTime":2225.87,"body":"to"},{"speaker":"Rebecca Wiggins","startTime":2225.871,"endTime":2226.2,"body":"build"},{"speaker":"Rebecca Wiggins","startTime":2226.201,"endTime":2226.74,"body":"capacity"},{"speaker":"Rebecca Wiggins","startTime":2226.741,"endTime":2226.83,"body":"to"},{"speaker":"Rebecca Wiggins","startTime":2226.831,"endTime":2227.01,"body":"better"},{"speaker":"Rebecca Wiggins","startTime":2227.011,"endTime":2227.28,"body":"serve"},{"speaker":"Rebecca Wiggins","startTime":2227.281,"endTime":2227.4,"body":"your"},{"speaker":"Rebecca Wiggins","startTime":2227.401,"endTime":2228.03,"body":"clients."},{"speaker":"Rebecca Wiggins","startTime":2228.39,"endTime":2228.69,"body":"All"},{"speaker":"Rebecca Wiggins","startTime":2228.691,"endTime":2228.96,"body":"month"},{"speaker":"Rebecca Wiggins","startTime":2228.961,"endTime":2229.44,"body":"long,"},{"speaker":"Rebecca Wiggins","startTime":2229.5,"endTime":2230.04,"body":"AFCPE®"},{"speaker":"Rebecca Wiggins","startTime":2230.341,"endTime":2230.7,"body":"Essentials"},{"speaker":"Rebecca Wiggins","startTime":2230.701,"endTime":2231.15,"body":"courses"},{"speaker":"Rebecca Wiggins","startTime":2231.151,"endTime":2231.27,"body":"are"},{"speaker":"Rebecca Wiggins","startTime":2231.271,"endTime":2231.42,"body":"going"},{"speaker":"Rebecca Wiggins","startTime":2231.421,"endTime":2231.48,"body":"to"},{"speaker":"Rebecca Wiggins","startTime":2231.481,"endTime":2231.63,"body":"be"},{"speaker":"Rebecca Wiggins","startTime":2231.631,"endTime":2231.9,"body":"Buy"},{"speaker":"Rebecca Wiggins","startTime":2231.901,"endTime":2232.29,"body":"One,"},{"speaker":"Rebecca Wiggins","startTime":2232.32,"endTime":2232.68,"body":"Get"},{"speaker":"Rebecca Wiggins","startTime":2232.681,"endTime":2232.83,"body":"One"},{"speaker":"Rebecca Wiggins","startTime":2232.831,"endTime":2233.1,"body":"half"},{"speaker":"Rebecca Wiggins","startTime":2233.101,"endTime":2233.52,"body":"off."},{"speaker":"Rebecca Wiggins","startTime":2233.85,"endTime":2234.03,"body":"And"},{"speaker":"Rebecca Wiggins","startTime":2234.181,"endTime":2234.27,"body":"you"},{"speaker":"Rebecca Wiggins","startTime":2234.271,"endTime":2234.42,"body":"can"},{"speaker":"Rebecca Wiggins","startTime":2234.421,"endTime":2234.66,"body":"find"},{"speaker":"Rebecca Wiggins","startTime":2234.661,"endTime":2234.78,"body":"more"},{"speaker":"Rebecca Wiggins","startTime":2234.781,"endTime":2235.26,"body":"information"},{"speaker":"Rebecca Wiggins","startTime":2235.261,"endTime":2235.38,"body":"if"},{"speaker":"Rebecca Wiggins","startTime":2235.381,"endTime":2235.47,"body":"you"},{"speaker":"Rebecca Wiggins","startTime":2235.471,"endTime":2235.59,"body":"go"},{"speaker":"Rebecca Wiggins","startTime":2235.591,"endTime":2235.68,"body":"to"},{"speaker":"Rebecca Wiggins","startTime":2235.681,"endTime":2235.77,"body":"our"},{"speaker":"Rebecca Wiggins","startTime":2235.771,"endTime":2236.13,"body":"website"},{"speaker":"Rebecca Wiggins","startTime":2236.131,"endTime":2236.22,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":2236.221,"endTime":2236.31,"body":"we'll"},{"speaker":"Rebecca Wiggins","startTime":2236.311,"endTime":2236.46,"body":"put"},{"speaker":"Rebecca Wiggins","startTime":2236.461,"endTime":2236.55,"body":"that"},{"speaker":"Rebecca Wiggins","startTime":2236.551,"endTime":2236.67,"body":"in"},{"speaker":"Rebecca Wiggins","startTime":2236.671,"endTime":2236.76,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":2236.761,"endTime":2236.94,"body":"show"},{"speaker":"Rebecca Wiggins","startTime":2236.941,"endTime":2237.24,"body":"notes"},{"speaker":"Rebecca Wiggins","startTime":2237.241,"endTime":2237.45,"body":"as"},{"speaker":"Rebecca Wiggins","startTime":2237.451,"endTime":2237.84,"body":"well,"},{"speaker":"Rebecca Wiggins","startTime":2237.9,"endTime":2238.23,"body":"along"},{"speaker":"Rebecca Wiggins","startTime":2238.231,"endTime":2238.47,"body":"with"},{"speaker":"Rebecca Wiggins","startTime":2238.5,"endTime":2238.8,"body":"all"},{"speaker":"Rebecca Wiggins","startTime":2238.801,"endTime":2238.92,"body":"of"},{"speaker":"Rebecca Wiggins","startTime":2238.921,"endTime":2239.01,"body":"the"},{"speaker":"Rebecca Wiggins","startTime":2239.011,"endTime":2239.67,"body":"resources"},{"speaker":"Rebecca Wiggins","startTime":2239.7,"endTime":2239.94,"body":"that"},{"speaker":"Rebecca Wiggins","startTime":2239.941,"endTime":2240.24,"body":"Rod"},{"speaker":"Rebecca Wiggins","startTime":2240.241,"endTime":2240.72,"body":"mentioned"},{"speaker":"Rebecca Wiggins","startTime":2240.721,"endTime":2241.14,"body":"today."},{"speaker":"Rebecca Wiggins","startTime":2241.141,"endTime":2241.56,"body":"So"},{"speaker":"Rebecca Wiggins","startTime":2241.561,"endTime":2242.01,"body":"hopefully"},{"speaker":"Rebecca Wiggins","startTime":2242.011,"endTime":2242.19,"body":"this"},{"speaker":"Rebecca Wiggins","startTime":2242.191,"endTime":2242.4,"body":"gives"},{"speaker":"Rebecca Wiggins","startTime":2242.401,"endTime":2242.64,"body":"you"},{"speaker":"Rebecca Wiggins","startTime":2242.67,"endTime":2242.79,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":2242.82,"endTime":2243.09,"body":"great"},{"speaker":"Rebecca Wiggins","startTime":2243.091,"endTime":2243.54,"body":"start"},{"speaker":"Rebecca Wiggins","startTime":2243.541,"endTime":2243.84,"body":"to"},{"speaker":"Rebecca Wiggins","startTime":2243.841,"endTime":2244.14,"body":"working"},{"speaker":"Rebecca Wiggins","startTime":2244.141,"endTime":2244.23,"body":"with"},{"speaker":"Rebecca Wiggins","startTime":2244.231,"endTime":2244.35,"body":"your"},{"speaker":"Rebecca Wiggins","startTime":2244.351,"endTime":2244.77,"body":"clients,"},{"speaker":"Rebecca Wiggins","startTime":2244.771,"endTime":2244.95,"body":"but"},{"speaker":"Rebecca Wiggins","startTime":2244.951,"endTime":2245.22,"body":"also"},{"speaker":"Rebecca Wiggins","startTime":2245.221,"endTime":2245.31,"body":"to"},{"speaker":"Rebecca Wiggins","startTime":2245.311,"endTime":2245.67,"body":"helping"},{"speaker":"Rebecca Wiggins","startTime":2245.671,"endTime":2246.09,"body":"you"},{"speaker":"Rebecca Wiggins","startTime":2246.27,"endTime":2246.69,"body":"understand"},{"speaker":"Rebecca Wiggins","startTime":2246.691,"endTime":2246.81,"body":"your"},{"speaker":"Rebecca Wiggins","startTime":2246.811,"endTime":2247.05,"body":"own"},{"speaker":"Rebecca Wiggins","startTime":2247.051,"endTime":2247.32,"body":"credit"},{"speaker":"Rebecca Wiggins","startTime":2247.321,"endTime":2247.77,"body":"report"},{"speaker":"Rebecca Wiggins","startTime":2247.771,"endTime":2247.89,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":2247.891,"endTime":2247.98,"body":"your"},{"speaker":"Rebecca Wiggins","startTime":2247.981,"endTime":2248.16,"body":"own"},{"speaker":"Rebecca Wiggins","startTime":2248.161,"endTime":2248.7,"body":"score."},{"speaker":"Rebecca Wiggins","startTime":2248.85,"endTime":2249.12,"body":"And"},{"speaker":"Rebecca Wiggins","startTime":2249.121,"endTime":2249.33,"body":"as"},{"speaker":"Rebecca Wiggins","startTime":2249.331,"endTime":2249.51,"body":"he"},{"speaker":"Rebecca Wiggins","startTime":2249.511,"endTime":2249.75,"body":"said,"},{"speaker":"Rebecca Wiggins","startTime":2249.751,"endTime":2250.05,"body":"using"},{"speaker":"Rebecca Wiggins","startTime":2250.051,"endTime":2250.17,"body":"it"},{"speaker":"Rebecca Wiggins","startTime":2250.171,"endTime":2250.26,"body":"as"},{"speaker":"Rebecca Wiggins","startTime":2250.261,"endTime":2250.32,"body":"a"},{"speaker":"Rebecca Wiggins","startTime":2250.321,"endTime":2250.59,"body":"tool"},{"speaker":"Rebecca Wiggins","startTime":2250.591,"endTime":2250.74,"body":"for"},{"speaker":"Rebecca Wiggins","startTime":2250.741,"endTime":2250.89,"body":"your"},{"speaker":"Rebecca Wiggins","startTime":2250.891,"endTime":2251.04,"body":"own"},{"speaker":"Rebecca Wiggins","startTime":2251.041,"endTime":2251.46,"body":"financial"},{"speaker":"Rebecca Wiggins","startTime":2251.461,"endTime":2251.82,"body":"wellness"},{"speaker":"Rebecca Wiggins","startTime":2251.821,"endTime":2251.94,"body":"and"},{"speaker":"Rebecca Wiggins","startTime":2251.941,"endTime":2252.21,"body":"working"},{"speaker":"Rebecca Wiggins","startTime":2252.211,"endTime":2252.36,"body":"with"},{"speaker":"Rebecca Wiggins","startTime":2252.361,"endTime":2252.63,"body":"clients."},{"speaker":"Dr. Mary Bell Carlson","startTime":2253.26,"endTime":2253.44,"body":"If"},{"speaker":"Dr. Mary Bell Carlson","startTime":2253.441,"endTime":2253.56,"body":"you"},{"speaker":"Dr. Mary Bell Carlson","startTime":2253.561,"endTime":2253.89,"body":"enjoyed"},{"speaker":"Dr. Mary Bell Carlson","startTime":2253.891,"endTime":2253.98,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":2253.981,"endTime":2254.19,"body":"show"},{"speaker":"Dr. Mary Bell Carlson","startTime":2254.191,"endTime":2254.52,"body":"today,"},{"speaker":"Dr. Mary Bell Carlson","startTime":2254.521,"endTime":2255.06,"body":"please"},{"speaker":"Dr. Mary Bell Carlson","startTime":2255.09,"endTime":2255.33,"body":"give"},{"speaker":"Dr. Mary Bell Carlson","startTime":2255.331,"endTime":2255.45,"body":"us"},{"speaker":"Dr. Mary Bell Carlson","startTime":2255.451,"endTime":2255.51,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":2255.511,"endTime":2255.99,"body":"rating"},{"speaker":"Dr. Mary Bell Carlson","startTime":2255.991,"endTime":2256.17,"body":"and"},{"speaker":"Dr. Mary Bell Carlson","startTime":2256.171,"endTime":2256.62,"body":"review"},{"speaker":"Dr. Mary Bell Carlson","startTime":2256.77,"endTime":2256.92,"body":"and"},{"speaker":"Dr. Mary Bell Carlson","startTime":2256.921,"endTime":2257.04,"body":"be"},{"speaker":"Dr. Mary Bell Carlson","startTime":2257.041,"endTime":2257.25,"body":"sure"},{"speaker":"Dr. Mary Bell Carlson","startTime":2257.251,"endTime":2257.34,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":2257.341,"endTime":2257.55,"body":"share"},{"speaker":"Dr. Mary Bell Carlson","startTime":2257.551,"endTime":2257.64,"body":"it"},{"speaker":"Dr. Mary Bell Carlson","startTime":2257.641,"endTime":2257.76,"body":"with"},{"speaker":"Dr. Mary Bell Carlson","startTime":2257.761,"endTime":2257.82,"body":"a"},{"speaker":"Dr. Mary Bell Carlson","startTime":2257.821,"endTime":2258.18,"body":"friend."},{"speaker":"Dr. Mary Bell Carlson","startTime":2258.48,"endTime":2258.84,"body":"Real"},{"speaker":"Dr. Mary Bell Carlson","startTime":2258.841,"endTime":2259.17,"body":"Money,"},{"speaker":"Dr. Mary Bell Carlson","startTime":2259.171,"endTime":2259.41,"body":"Real"},{"speaker":"Dr. Mary Bell Carlson","startTime":2259.411,"endTime":2259.92,"body":"Experts"},{"speaker":"Dr. Mary Bell Carlson","startTime":2259.921,"endTime":2260.04,"body":"is"},{"speaker":"Dr. Mary Bell Carlson","startTime":2260.041,"endTime":2260.55,"body":"available"},{"speaker":"Dr. Mary Bell Carlson","startTime":2260.61,"endTime":2261.03,"body":"wherever"},{"speaker":"Dr. Mary Bell Carlson","startTime":2261.031,"endTime":2261.18,"body":"you"},{"speaker":"Dr. Mary Bell Carlson","startTime":2261.181,"endTime":2261.54,"body":"listen"},{"speaker":"Dr. Mary Bell Carlson","startTime":2261.541,"endTime":2261.6,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":2261.601,"endTime":2261.72,"body":"your"},{"speaker":"Dr. Mary Bell Carlson","startTime":2261.721,"endTime":2262.32,"body":"podcasts."},{"speaker":"Dr. Mary Bell Carlson","startTime":2262.47,"endTime":2262.65,"body":"And"},{"speaker":"Dr. Mary Bell Carlson","startTime":2262.651,"endTime":2262.77,"body":"if"},{"speaker":"Dr. Mary Bell Carlson","startTime":2262.771,"endTime":2262.89,"body":"you"},{"speaker":"Dr. Mary Bell Carlson","startTime":2262.891,"endTime":2263.13,"body":"want"},{"speaker":"Dr. Mary Bell Carlson","startTime":2263.131,"endTime":2263.19,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":2263.191,"endTime":2263.61,"body":"continue"},{"speaker":"Dr. Mary Bell Carlson","startTime":2263.611,"endTime":2263.7,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":2263.701,"endTime":2264.51,"body":"conversation,"},{"speaker":"Dr. Mary Bell Carlson","startTime":2264.6,"endTime":2265.05,"body":"consider"},{"speaker":"Dr. Mary Bell Carlson","startTime":2265.051,"endTime":2265.47,"body":"joining"},{"speaker":"Dr. Mary Bell Carlson","startTime":2265.471,"endTime":2265.59,"body":"the"},{"speaker":"Dr. Mary Bell Carlson","startTime":2265.591,"endTime":2266.34,"body":"AFCPE®"},{"speaker":"Dr. Mary Bell Carlson","startTime":2266.341,"endTime":2266.85,"body":"membership"},{"speaker":"Dr. Mary Bell Carlson","startTime":2266.851,"endTime":2267.36,"body":"community."},{"speaker":"Dr. Mary Bell Carlson","startTime":2267.96,"endTime":2268.26,"body":"As"},{"speaker":"Dr. Mary Bell Carlson","startTime":2268.261,"endTime":2268.38,"body":"an"},{"speaker":"Dr. Mary Bell Carlson","startTime":2268.381,"endTime":2268.79,"body":"AFCPE®"},{"speaker":"Dr. Mary Bell Carlson","startTime":2269.131,"endTime":2269.55,"body":"member,"},{"speaker":"Dr. Mary Bell Carlson","startTime":2269.85,"endTime":2270.06,"body":"you"},{"speaker":"Dr. Mary Bell Carlson","startTime":2270.061,"endTime":2270.42,"body":"gain"},{"speaker":"Dr. Mary Bell Carlson","startTime":2270.421,"endTime":2270.9,"body":"access"},{"speaker":"Dr. Mary Bell Carlson","startTime":2270.901,"endTime":2271.05,"body":"to"},{"speaker":"Dr. Mary Bell Carlson","startTime":2271.051,"endTime":2271.77,"body":"resources,"},{"speaker":"Dr. Mary Bell Carlson","startTime":2272.07,"endTime":2272.61,"body":"networking"},{"speaker":"Dr. Mary Bell Carlson","startTime":2272.611,"endTime":2273.3,"body":"opportunities,"},{"speaker":"Dr. Mary Bell Carlson","startTime":2273.45,"endTime":2273.69,"body":"and"},{"speaker":"Dr. Mary Bell Carlson","startTime":2273.691,"endTime":2274.2,"body":"professional"},{"speaker":"Dr. Mary Bell Carlson","startTime":2274.201,"endTime":2274.77,"body":"development,"},{"speaker":"Dr. Mary Bell Carlson","startTime":2274.8,"endTime":2274.92,"body":"that"},{"speaker":"Dr. Mary Bell Carlson","startTime":2274.921,"endTime":2275.37,"body":"supports"},{"speaker":"Dr. Mary Bell Carlson","startTime":2275.371,"endTime":2275.67,"body":"your"},{"speaker":"Dr. Mary Bell Carlson","startTime":2275.671,"endTime":2276.15,"body":"work"},{"speaker":"Dr. Mary Bell Carlson","startTime":2276.21,"endTime":2276.48,"body":"and"},{"speaker":"Dr. Mary Bell Carlson","startTime":2276.481,"endTime":2276.6,"body":"your"},{"speaker":"Dr. Mary Bell Carlson","startTime":2276.601,"endTime":2277.05,"body":"career."},{"speaker":"Dr. Mary Bell Carlson","startTime":2277.44,"endTime":2277.74,"body":"Learn"},{"speaker":"Dr. Mary Bell Carlson","startTime":2277.741,"endTime":2277.95,"body":"more"},{"speaker":"Dr. Mary Bell Carlson","startTime":2277.951,"endTime":2278.07,"body":"at"},{"speaker":"Dr. Mary Bell Carlson","startTime":2278.071,"endTime":2278.19,"body":"our"},{"speaker":"Dr. Mary Bell Carlson","startTime":2278.191,"endTime":2278.76,"body":"website,"},{"speaker":"Dr. Mary Bell Carlson","startTime":2278.91,"endTime":2279.36,"body":"AFCPE.org."}]}