{"version":"1.0.0","segments":[{"speaker":"Speaker 1","startTime":0.602,"endTime":0.662,"body":"If"},{"speaker":"Speaker 1","startTime":0.662,"endTime":0.662,"body":" "},{"speaker":"Speaker 1","startTime":0.682,"endTime":0.782,"body":"you"},{"speaker":"Speaker 1","startTime":0.782,"endTime":0.782,"body":" "},{"speaker":"Speaker 1","startTime":0.822,"endTime":0.983,"body":"think"},{"speaker":"Speaker 1","startTime":0.983,"endTime":0.983,"body":" "},{"speaker":"Speaker 1","startTime":1.023,"endTime":1.223,"body":"about"},{"speaker":"Speaker 1","startTime":1.223,"endTime":1.223,"body":" "},{"speaker":"Speaker 1","startTime":1.244,"endTime":1.344,"body":"the"},{"speaker":"Speaker 1","startTime":1.344,"endTime":1.344,"body":" "},{"speaker":"Speaker 1","startTime":1.484,"endTime":1.805,"body":"S\u0026P"},{"speaker":"Speaker 1","startTime":1.805,"endTime":1.805,"body":" "},{"speaker":"Speaker 1","startTime":1.865,"endTime":2.427,"body":"500"},{"speaker":"Speaker 1","startTime":2.427,"endTime":2.427,"body":" "},{"speaker":"Speaker 1","startTime":3.109,"endTime":3.209,"body":"and"},{"speaker":"Speaker 1","startTime":3.209,"endTime":3.209,"body":" "},{"speaker":"Speaker 1","startTime":3.229,"endTime":3.289,"body":"the"},{"speaker":"Speaker 1","startTime":3.289,"endTime":3.289,"body":" "},{"speaker":"Speaker 1","startTime":3.43,"endTime":3.751,"body":"S\u0026P"},{"speaker":"Speaker 1","startTime":3.751,"endTime":3.751,"body":" "},{"speaker":"Speaker 1","startTime":3.831,"endTime":3.911,"body":"is"},{"speaker":"Speaker 1","startTime":3.911,"endTime":3.911,"body":" "},{"speaker":"Speaker 1","startTime":4.051,"endTime":4.132,"body":"up"},{"speaker":"Speaker 1","startTime":4.132,"endTime":4.132,"body":" "},{"speaker":"Speaker 1","startTime":5.56,"endTime":6.081,"body":"20%"},{"speaker":"Speaker 1","startTime":6.081,"endTime":6.081,"body":" "},{"speaker":"Speaker 1","startTime":6.121,"endTime":6.222,"body":"for"},{"speaker":"Speaker 1","startTime":6.222,"endTime":6.222,"body":" "},{"speaker":"Speaker 1","startTime":6.262,"endTime":6.342,"body":"the"},{"speaker":"Speaker 1","startTime":6.342,"endTime":6.342,"body":" "},{"speaker":"Speaker 1","startTime":6.362,"endTime":6.542,"body":"year"},{"speaker":"Speaker 1","startTime":6.542,"endTime":6.542,"body":","},{"speaker":"Speaker 1","startTime":6.542,"endTime":6.542,"body":" "},{"speaker":"Speaker 1","startTime":7.204,"endTime":7.344,"body":"like"},{"speaker":"Speaker 1","startTime":7.344,"endTime":7.344,"body":" "},{"speaker":"Speaker 1","startTime":7.384,"endTime":7.625,"body":"last"},{"speaker":"Speaker 1","startTime":7.625,"endTime":7.625,"body":" "},{"speaker":"Speaker 1","startTime":7.665,"endTime":7.805,"body":"year"},{"speaker":"Speaker 1","startTime":7.805,"endTime":7.805,"body":" "},{"speaker":"Speaker 1","startTime":8.287,"endTime":8.367,"body":"or"},{"speaker":"Speaker 1","startTime":8.367,"endTime":8.367,"body":" "},{"speaker":"Speaker 1","startTime":8.407,"endTime":8.607,"body":"more"},{"speaker":"Speaker 1","startTime":8.607,"endTime":8.607,"body":","},{"speaker":"Speaker 1","startTime":8.607,"endTime":8.607,"body":" "},{"speaker":"Speaker 1","startTime":8.688,"endTime":8.768,"body":"what"},{"speaker":"Speaker 1","startTime":8.768,"endTime":8.768,"body":" "},{"speaker":"Speaker 1","startTime":8.788,"endTime":8.888,"body":"was"},{"speaker":"Speaker 1","startTime":8.888,"endTime":8.888,"body":" "},{"speaker":"Speaker 1","startTime":8.928,"endTime":8.988,"body":"it"},{"speaker":"Speaker 1","startTime":8.988,"endTime":8.988,"body":"?"},{"speaker":"Speaker 1","startTime":8.988,"endTime":8.988,"body":" "},{"speaker":"Speaker 1","startTime":9.008,"endTime":10.432,"body":"2026"},{"speaker":"Speaker 1","startTime":10.432,"endTime":10.432,"body":"?"},{"speaker":"Speaker 1","startTime":10.432,"endTime":10.432,"body":" "},{"speaker":"Speaker 1","startTime":10.813,"endTime":11.454,"body":"Yeah"},{"speaker":"Speaker 1","startTime":11.454,"endTime":11.454,"body":","},{"speaker":"Speaker 1","startTime":11.454,"endTime":11.454,"body":" "},{"speaker":"Speaker 1","startTime":11.76,"endTime":12.321,"body":"26%"},{"speaker":"Speaker 1","startTime":12.321,"endTime":12.321,"body":" "},{"speaker":"Speaker 1","startTime":12.381,"endTime":12.602,"body":"last"},{"speaker":"Speaker 1","startTime":12.602,"endTime":12.602,"body":" "},{"speaker":"Speaker 1","startTime":12.642,"endTime":12.822,"body":"year"},{"speaker":"Speaker 1","startTime":12.822,"endTime":12.822,"body":"."},{"speaker":"Speaker 1","startTime":12.822,"endTime":12.822,"body":" "},{"speaker":"Speaker 1","startTime":13.343,"endTime":13.423,"body":"Do"},{"speaker":"Speaker 1","startTime":13.423,"endTime":13.423,"body":" "},{"speaker":"Speaker 1","startTime":13.443,"endTime":13.544,"body":"you"},{"speaker":"Speaker 1","startTime":13.544,"endTime":13.544,"body":" "},{"speaker":"Speaker 1","startTime":13.584,"endTime":13.764,"body":"think"},{"speaker":"Speaker 1","startTime":13.764,"endTime":13.764,"body":" "},{"speaker":"Speaker 1","startTime":13.824,"endTime":13.964,"body":"all"},{"speaker":"Speaker 1","startTime":13.964,"endTime":13.964,"body":" "},{"speaker":"Speaker 1","startTime":14.065,"endTime":14.486,"body":"500"},{"speaker":"Speaker 1","startTime":14.486,"endTime":14.486,"body":" "},{"speaker":"Speaker 1","startTime":14.526,"endTime":14.947,"body":"companies"},{"speaker":"Speaker 1","startTime":14.947,"endTime":14.947,"body":" "},{"speaker":"Speaker 1","startTime":15.247,"endTime":15.407,"body":"were"},{"speaker":"Speaker 1","startTime":15.407,"endTime":15.407,"body":" "},{"speaker":"Speaker 1","startTime":15.508,"endTime":15.588,"body":"up"},{"speaker":"Speaker 1","startTime":15.588,"endTime":15.588,"body":"?"},{"speaker":"Speaker 1","startTime":15.588,"endTime":15.588,"body":" "},{"speaker":"Speaker 1","startTime":15.588,"endTime":15.588,"body":"\n"},{"speaker":"Speaker 2","startTime":16.57,"endTime":16.73,"body":"No"},{"speaker":"Speaker 2","startTime":16.73,"endTime":16.73,"body":" "},{"speaker":"Speaker 2","startTime":16.93,"endTime":17.051,"body":"no"},{"speaker":"Speaker 2","startTime":17.051,"endTime":17.051,"body":" "},{"speaker":"Speaker 2","startTime":17.552,"endTime":17.692,"body":"yeah"},{"speaker":"Speaker 2","startTime":17.692,"endTime":17.692,"body":"?"},{"speaker":"Speaker 2","startTime":17.692,"endTime":17.692,"body":" "},{"speaker":"Speaker 2","startTime":17.692,"endTime":17.692,"body":"\n"},{"speaker":"Speaker 1","startTime":17.913,"endTime":18.033,"body":"No"},{"speaker":"Speaker 1","startTime":18.033,"endTime":18.033,"body":","},{"speaker":"Speaker 1","startTime":18.033,"endTime":18.033,"body":" "},{"speaker":"Speaker 1","startTime":18.073,"endTime":18.213,"body":"you're"},{"speaker":"Speaker 1","startTime":18.213,"endTime":18.213,"body":" "},{"speaker":"Speaker 1","startTime":18.233,"endTime":18.414,"body":"gonna"},{"speaker":"Speaker 1","startTime":18.414,"endTime":18.414,"body":" "},{"speaker":"Speaker 1","startTime":18.454,"endTime":18.694,"body":"have"},{"speaker":"Speaker 1","startTime":18.694,"endTime":18.694,"body":" "},{"speaker":"Speaker 1","startTime":19.421,"endTime":19.581,"body":"Some"},{"speaker":"Speaker 1","startTime":19.581,"endTime":19.581,"body":" "},{"speaker":"Speaker 1","startTime":19.621,"endTime":20.062,"body":"losses"},{"speaker":"Speaker 1","startTime":20.062,"endTime":20.062,"body":" "},{"speaker":"Speaker 1","startTime":20.122,"endTime":20.203,"body":"in"},{"speaker":"Speaker 1","startTime":20.203,"endTime":20.203,"body":" "},{"speaker":"Speaker 1","startTime":20.243,"endTime":20.403,"body":"there"},{"speaker":"Speaker 1","startTime":20.403,"endTime":20.403,"body":","},{"speaker":"Speaker 1","startTime":20.403,"endTime":20.403,"body":" "},{"speaker":"Speaker 1","startTime":21.385,"endTime":21.566,"body":"right"},{"speaker":"Speaker 1","startTime":21.566,"endTime":21.566,"body":"?"},{"speaker":"Speaker 1","startTime":21.566,"endTime":21.566,"body":" "},{"speaker":"Speaker 1","startTime":21.606,"endTime":21.706,"body":"So"},{"speaker":"Speaker 1","startTime":21.706,"endTime":21.706,"body":" "},{"speaker":"Speaker 1","startTime":21.746,"endTime":21.806,"body":"in"},{"speaker":"Speaker 1","startTime":21.806,"endTime":21.806,"body":" "},{"speaker":"Speaker 1","startTime":21.826,"endTime":21.886,"body":"the"},{"speaker":"Speaker 1","startTime":21.886,"endTime":21.886,"body":" "},{"speaker":"Speaker 1","startTime":22.027,"endTime":22.387,"body":"ETF"},{"speaker":"Speaker 1","startTime":22.387,"endTime":22.387,"body":" "},{"speaker":"Speaker 1","startTime":22.427,"endTime":22.808,"body":"structure"},{"speaker":"Speaker 1","startTime":22.808,"endTime":22.808,"body":","},{"speaker":"Speaker 1","startTime":22.808,"endTime":22.808,"body":" "},{"speaker":"Speaker 1","startTime":22.848,"endTime":22.909,"body":"you"},{"speaker":"Speaker 1","startTime":22.909,"endTime":22.909,"body":" "},{"speaker":"Speaker 1","startTime":22.929,"endTime":23.049,"body":"would"},{"speaker":"Speaker 1","startTime":23.049,"endTime":23.049,"body":" "},{"speaker":"Speaker 1","startTime":23.069,"endTime":23.189,"body":"have"},{"speaker":"Speaker 1","startTime":23.189,"endTime":23.189,"body":" "},{"speaker":"Speaker 1","startTime":23.229,"endTime":23.49,"body":"made"},{"speaker":"Speaker 1","startTime":23.49,"endTime":23.49,"body":" "},{"speaker":"Speaker 1","startTime":23.55,"endTime":24.452,"body":"26%"},{"speaker":"Speaker 1","startTime":24.452,"endTime":24.452,"body":"."},{"speaker":"Speaker 1","startTime":24.452,"endTime":24.452,"body":" "},{"speaker":"Speaker 1","startTime":24.973,"endTime":25.053,"body":"In"},{"speaker":"Speaker 1","startTime":25.053,"endTime":25.053,"body":" "},{"speaker":"Speaker 1","startTime":25.073,"endTime":25.113,"body":"a"},{"speaker":"Speaker 1","startTime":25.113,"endTime":25.113,"body":" "},{"speaker":"Speaker 1","startTime":25.154,"endTime":25.394,"body":"direct"},{"speaker":"Speaker 1","startTime":25.394,"endTime":25.394,"body":" "},{"speaker":"Speaker 1","startTime":25.454,"endTime":25.735,"body":"ending"},{"speaker":"Speaker 1","startTime":25.735,"endTime":25.735,"body":" "},{"speaker":"Speaker 1","startTime":25.955,"endTime":26.497,"body":"indexing"},{"speaker":"Speaker 1","startTime":26.497,"endTime":26.497,"body":" "},{"speaker":"Speaker 1","startTime":26.637,"endTime":27.038,"body":"structure"},{"speaker":"Speaker 1","startTime":27.038,"endTime":27.038,"body":","},{"speaker":"Speaker 1","startTime":27.038,"endTime":27.038,"body":" "},{"speaker":"Speaker 1","startTime":27.762,"endTime":27.862,"body":"you"},{"speaker":"Speaker 1","startTime":27.862,"endTime":27.862,"body":" "},{"speaker":"Speaker 1","startTime":27.902,"endTime":28.043,"body":"would"},{"speaker":"Speaker 1","startTime":28.043,"endTime":28.043,"body":" "},{"speaker":"Speaker 1","startTime":28.063,"endTime":28.203,"body":"have"},{"speaker":"Speaker 1","startTime":28.203,"endTime":28.203,"body":"."},{"speaker":"Speaker 1","startTime":28.203,"endTime":28.203,"body":" "},{"speaker":"Speaker 1","startTime":28.564,"endTime":28.665,"body":"You"},{"speaker":"Speaker 1","startTime":28.665,"endTime":28.665,"body":" "},{"speaker":"Speaker 1","startTime":28.685,"endTime":28.845,"body":"wouldn't"},{"speaker":"Speaker 1","startTime":28.845,"endTime":28.845,"body":" "},{"speaker":"Speaker 1","startTime":28.865,"endTime":28.946,"body":"have"},{"speaker":"Speaker 1","startTime":28.946,"endTime":28.946,"body":" "},{"speaker":"Speaker 1","startTime":29.006,"endTime":29.146,"body":"owned"},{"speaker":"Speaker 1","startTime":29.146,"endTime":29.146,"body":" "},{"speaker":"Speaker 1","startTime":29.186,"endTime":29.327,"body":"all"},{"speaker":"Speaker 1","startTime":29.327,"endTime":29.327,"body":" "},{"speaker":"Speaker 1","startTime":29.367,"endTime":29.768,"body":"500"},{"speaker":"Speaker 1","startTime":29.768,"endTime":29.768,"body":" "},{"speaker":"Speaker 1","startTime":29.808,"endTime":30.189,"body":"companies"},{"speaker":"Speaker 1","startTime":30.189,"endTime":30.189,"body":","},{"speaker":"Speaker 1","startTime":30.189,"endTime":30.189,"body":" "},{"speaker":"Speaker 1","startTime":30.249,"endTime":30.43,"body":"though"},{"speaker":"Speaker 1","startTime":30.43,"endTime":30.43,"body":","},{"speaker":"Speaker 1","startTime":30.43,"endTime":30.43,"body":" "},{"speaker":"Speaker 1","startTime":30.49,"endTime":30.711,"body":"right"},{"speaker":"Speaker 1","startTime":30.711,"endTime":30.711,"body":","},{"speaker":"Speaker 1","startTime":30.711,"endTime":30.711,"body":" "},{"speaker":"Speaker 1","startTime":30.791,"endTime":30.871,"body":"you"},{"speaker":"Speaker 1","startTime":30.871,"endTime":30.871,"body":" "},{"speaker":"Speaker 1","startTime":30.891,"endTime":31.032,"body":"would"},{"speaker":"Speaker 1","startTime":31.032,"endTime":31.032,"body":" "},{"speaker":"Speaker 1","startTime":31.092,"endTime":31.212,"body":"own"},{"speaker":"Speaker 1","startTime":31.212,"endTime":31.212,"body":" "},{"speaker":"Speaker 1","startTime":31.252,"endTime":31.293,"body":"a"},{"speaker":"Speaker 1","startTime":31.293,"endTime":31.293,"body":" "},{"speaker":"Speaker 1","startTime":31.373,"endTime":32.215,"body":"representation"},{"speaker":"Speaker 1","startTime":32.215,"endTime":32.215,"body":" "},{"speaker":"Speaker 1","startTime":32.275,"endTime":32.336,"body":"of"},{"speaker":"Speaker 1","startTime":32.336,"endTime":32.336,"body":" "},{"speaker":"Speaker 1","startTime":32.356,"endTime":32.436,"body":"the"},{"speaker":"Speaker 1","startTime":32.436,"endTime":32.436,"body":" "},{"speaker":"Speaker 1","startTime":32.496,"endTime":32.857,"body":"index"},{"speaker":"Speaker 1","startTime":32.857,"endTime":32.857,"body":"."},{"speaker":"Speaker 1","startTime":32.857,"endTime":32.857,"body":" "},{"speaker":"Speaker 1","startTime":33.058,"endTime":33.118,"body":"Is"},{"speaker":"Speaker 1","startTime":33.118,"endTime":33.118,"body":" "},{"speaker":"Speaker 1","startTime":33.138,"endTime":33.238,"body":"that"},{"speaker":"Speaker 1","startTime":33.238,"endTime":33.238,"body":" "},{"speaker":"Speaker 1","startTime":33.278,"endTime":33.539,"body":"correct"},{"speaker":"Speaker 1","startTime":33.539,"endTime":33.539,"body":","},{"speaker":"Speaker 1","startTime":33.539,"endTime":33.539,"body":" "},{"speaker":"Speaker 1","startTime":33.7,"endTime":33.8,"body":"Right"},{"speaker":"Speaker 1","startTime":33.8,"endTime":33.8,"body":"?"},{"speaker":"Speaker 1","startTime":33.8,"endTime":33.8,"body":" "},{"speaker":"Speaker 1","startTime":33.981,"endTime":34.101,"body":"Yeah"},{"speaker":"Speaker 1","startTime":34.101,"endTime":34.101,"body":","},{"speaker":"Speaker 1","startTime":34.101,"endTime":34.101,"body":" "},{"speaker":"Speaker 1","startTime":34.121,"endTime":34.302,"body":"that's"},{"speaker":"Speaker 1","startTime":34.302,"endTime":34.302,"body":" "},{"speaker":"Speaker 1","startTime":34.342,"endTime":34.583,"body":"correct"},{"speaker":"Speaker 1","startTime":34.583,"endTime":34.583,"body":"."},{"speaker":"Speaker 1","startTime":34.583,"endTime":34.583,"body":" "},{"speaker":"Speaker 1","startTime":40.281,"endTime":40.522,"body":"Welcome"},{"speaker":"Speaker 1","startTime":40.522,"endTime":40.522,"body":" "},{"speaker":"Speaker 1","startTime":40.542,"endTime":40.682,"body":"to"},{"speaker":"Speaker 1","startTime":40.682,"endTime":40.682,"body":" "},{"speaker":"Speaker 1","startTime":40.722,"endTime":40.782,"body":"a"},{"speaker":"Speaker 1","startTime":40.782,"endTime":40.782,"body":" "},{"speaker":"Speaker 1","startTime":40.823,"endTime":41.124,"body":"wiser"},{"speaker":"Speaker 1","startTime":41.124,"endTime":41.124,"body":" "},{"speaker":"Speaker 1","startTime":41.144,"endTime":41.465,"body":"retirement"},{"speaker":"Speaker 1","startTime":41.465,"endTime":41.465,"body":" "},{"speaker":"Speaker 1","startTime":41.485,"endTime":41.966,"body":"podcast"},{"speaker":"Speaker 1","startTime":41.966,"endTime":41.966,"body":"."},{"speaker":"Speaker 1","startTime":41.966,"endTime":41.966,"body":" "},{"speaker":"Speaker 1","startTime":41.986,"endTime":42.087,"body":"We"},{"speaker":"Speaker 1","startTime":42.087,"endTime":42.087,"body":" "},{"speaker":"Speaker 1","startTime":42.127,"endTime":42.348,"body":"believe"},{"speaker":"Speaker 1","startTime":42.348,"endTime":42.348,"body":" "},{"speaker":"Speaker 1","startTime":42.388,"endTime":42.488,"body":"the"},{"speaker":"Speaker 1","startTime":42.488,"endTime":42.488,"body":" "},{"speaker":"Speaker 1","startTime":42.548,"endTime":42.749,"body":"best"},{"speaker":"Speaker 1","startTime":42.749,"endTime":42.749,"body":" "},{"speaker":"Speaker 1","startTime":42.789,"endTime":43.09,"body":"financial"},{"speaker":"Speaker 1","startTime":43.09,"endTime":43.09,"body":" "},{"speaker":"Speaker 1","startTime":43.11,"endTime":43.351,"body":"advice"},{"speaker":"Speaker 1","startTime":43.351,"endTime":43.351,"body":" "},{"speaker":"Speaker 1","startTime":43.371,"endTime":43.491,"body":"should"},{"speaker":"Speaker 1","startTime":43.491,"endTime":43.491,"body":" "},{"speaker":"Speaker 1","startTime":43.511,"endTime":43.672,"body":"always"},{"speaker":"Speaker 1","startTime":43.672,"endTime":43.672,"body":" "},{"speaker":"Speaker 1","startTime":43.712,"endTime":43.812,"body":"be"},{"speaker":"Speaker 1","startTime":43.812,"endTime":43.812,"body":" "},{"speaker":"Speaker 1","startTime":43.832,"endTime":44.173,"body":"conflict"},{"speaker":"Speaker 1","startTime":44.173,"endTime":44.173,"body":" "},{"speaker":"Speaker 1","startTime":44.214,"endTime":44.414,"body":"free"},{"speaker":"Speaker 1","startTime":44.414,"endTime":44.414,"body":"."},{"speaker":"Speaker 1","startTime":44.414,"endTime":44.414,"body":" "},{"speaker":"Speaker 1","startTime":44.575,"endTime":44.675,"body":"I'm"},{"speaker":"Speaker 1","startTime":44.675,"endTime":44.675,"body":" "},{"speaker":"Speaker 1","startTime":44.695,"endTime":44.795,"body":"your"},{"speaker":"Speaker 1","startTime":44.795,"endTime":44.795,"body":" "},{"speaker":"Speaker 1","startTime":44.816,"endTime":45.076,"body":"host"},{"speaker":"Speaker 1","startTime":45.076,"endTime":45.076,"body":","},{"speaker":"Speaker 1","startTime":45.076,"endTime":45.076,"body":" "},{"speaker":"Speaker 1","startTime":45.177,"endTime":45.498,"body":"casey"},{"speaker":"Speaker 1","startTime":45.498,"endTime":45.498,"body":" "},{"speaker":"Speaker 1","startTime":45.558,"endTime":45.879,"body":"Smith"},{"speaker":"Speaker 1","startTime":45.879,"endTime":45.879,"body":"."},{"speaker":"Speaker 1","startTime":45.879,"endTime":45.879,"body":" "},{"speaker":"Speaker 1","startTime":45.999,"endTime":46.2,"body":"Today"},{"speaker":"Speaker 1","startTime":46.2,"endTime":46.2,"body":"."},{"speaker":"Speaker 1","startTime":46.2,"endTime":46.2,"body":" "},{"speaker":"Speaker 1","startTime":46.321,"endTime":46.401,"body":"I'm"},{"speaker":"Speaker 1","startTime":46.401,"endTime":46.401,"body":" "},{"speaker":"Speaker 1","startTime":46.421,"endTime":46.642,"body":"joined"},{"speaker":"Speaker 1","startTime":46.642,"endTime":46.642,"body":" "},{"speaker":"Speaker 1","startTime":46.683,"endTime":46.823,"body":"by"},{"speaker":"Speaker 1","startTime":46.823,"endTime":46.823,"body":" "},{"speaker":"Speaker 1","startTime":47.045,"endTime":47.306,"body":"Andrew"},{"speaker":"Speaker 1","startTime":47.306,"endTime":47.306,"body":" "},{"speaker":"Speaker 1","startTime":47.346,"endTime":47.688,"body":"Pratt"},{"speaker":"Speaker 1","startTime":47.688,"endTime":47.688,"body":","},{"speaker":"Speaker 1","startTime":47.688,"endTime":47.688,"body":" "},{"speaker":"Speaker 1","startTime":48.492,"endTime":48.774,"body":"the"},{"speaker":"Speaker 1","startTime":48.774,"endTime":48.774,"body":" "},{"speaker":"Speaker 1","startTime":49.257,"endTime":49.578,"body":"king"},{"speaker":"Speaker 1","startTime":49.578,"endTime":49.578,"body":" "},{"speaker":"Speaker 1","startTime":49.639,"endTime":49.699,"body":"of"},{"speaker":"Speaker 1","startTime":49.699,"endTime":49.699,"body":" "},{"speaker":"Speaker 1","startTime":49.719,"endTime":49.88,"body":"data"},{"speaker":"Speaker 1","startTime":49.88,"endTime":49.88,"body":","},{"speaker":"Speaker 1","startTime":49.88,"endTime":49.88,"body":" "},{"speaker":"Speaker 1","startTime":51.703,"endTime":51.803,"body":"to"},{"speaker":"Speaker 1","startTime":51.803,"endTime":51.803,"body":" "},{"speaker":"Speaker 1","startTime":51.823,"endTime":51.964,"body":"talk"},{"speaker":"Speaker 1","startTime":51.964,"endTime":51.964,"body":" "},{"speaker":"Speaker 1","startTime":52.004,"endTime":52.204,"body":"about"},{"speaker":"Speaker 1","startTime":52.204,"endTime":52.204,"body":" "},{"speaker":"Speaker 1","startTime":52.284,"endTime":52.605,"body":"direct"},{"speaker":"Speaker 1","startTime":52.605,"endTime":52.605,"body":" "},{"speaker":"Speaker 1","startTime":52.645,"endTime":53.146,"body":"indexing"},{"speaker":"Speaker 1","startTime":53.146,"endTime":53.146,"body":" "},{"speaker":"Speaker 1","startTime":53.747,"endTime":54.248,"body":"benefits"},{"speaker":"Speaker 1","startTime":54.248,"endTime":54.248,"body":" "},{"speaker":"Speaker 1","startTime":54.408,"endTime":54.588,"body":"for"},{"speaker":"Speaker 1","startTime":54.588,"endTime":54.588,"body":" "},{"speaker":"Speaker 1","startTime":54.669,"endTime":54.829,"body":"high"},{"speaker":"Speaker 1","startTime":54.829,"endTime":54.829,"body":" "},{"speaker":"Speaker 1","startTime":54.869,"endTime":55.009,"body":"net"},{"speaker":"Speaker 1","startTime":55.009,"endTime":55.009,"body":" "},{"speaker":"Speaker 1","startTime":55.029,"endTime":55.29,"body":"worth"},{"speaker":"Speaker 1","startTime":55.29,"endTime":55.29,"body":" "},{"speaker":"Speaker 1","startTime":55.39,"endTime":55.971,"body":"individuals"},{"speaker":"Speaker 1","startTime":55.971,"endTime":55.971,"body":"."},{"speaker":"Speaker 1","startTime":55.971,"endTime":55.971,"body":" "},{"speaker":"Speaker 1","startTime":55.971,"endTime":55.971,"body":"\n"},{"speaker":"Speaker 3","startTime":56.512,"endTime":56.632,"body":"Hey"},{"speaker":"Speaker 3","startTime":56.632,"endTime":56.632,"body":"."},{"speaker":"Speaker 3","startTime":56.632,"endTime":56.632,"body":" "},{"speaker":"Speaker 3","startTime":56.632,"endTime":56.632,"body":"\n"},{"speaker":"Speaker 1","startTime":56.672,"endTime":56.853,"body":"Andrew"},{"speaker":"Speaker 1","startTime":56.853,"endTime":56.853,"body":"."},{"speaker":"Speaker 1","startTime":56.853,"endTime":56.853,"body":" "},{"speaker":"Speaker 1","startTime":57.434,"endTime":57.534,"body":"Good"},{"speaker":"Speaker 1","startTime":57.534,"endTime":57.534,"body":" "},{"speaker":"Speaker 1","startTime":57.554,"endTime":57.754,"body":"morning"},{"speaker":"Speaker 1","startTime":57.754,"endTime":57.754,"body":" "},{"speaker":"Speaker 1","startTime":57.774,"endTime":58.015,"body":"Casey"},{"speaker":"Speaker 1","startTime":58.015,"endTime":58.015,"body":"."},{"speaker":"Speaker 1","startTime":58.015,"endTime":58.015,"body":" "},{"speaker":"Speaker 1","startTime":58.842,"endTime":59.083,"body":"So"},{"speaker":"Speaker 1","startTime":59.083,"endTime":59.083,"body":" "},{"speaker":"Speaker 1","startTime":60.521,"endTime":60.682,"body":"this"},{"speaker":"Speaker 1","startTime":60.682,"endTime":60.682,"body":" "},{"speaker":"Speaker 1","startTime":60.762,"endTime":60.842,"body":"is"},{"speaker":"Speaker 1","startTime":60.842,"endTime":60.842,"body":"."},{"speaker":"Speaker 1","startTime":60.842,"endTime":60.842,"body":" "},{"speaker":"Speaker 1","startTime":61.022,"endTime":61.163,"body":"This"},{"speaker":"Speaker 1","startTime":61.163,"endTime":61.163,"body":" "},{"speaker":"Speaker 1","startTime":61.243,"endTime":61.323,"body":"is"},{"speaker":"Speaker 1","startTime":61.323,"endTime":61.323,"body":" "},{"speaker":"Speaker 1","startTime":61.403,"endTime":61.945,"body":"exciting"},{"speaker":"Speaker 1","startTime":61.945,"endTime":61.945,"body":"."},{"speaker":"Speaker 1","startTime":61.945,"endTime":61.945,"body":" "},{"speaker":"Speaker 1","startTime":62.005,"endTime":62.125,"body":"This"},{"speaker":"Speaker 1","startTime":62.125,"endTime":62.125,"body":" "},{"speaker":"Speaker 1","startTime":62.165,"endTime":62.206,"body":"is"},{"speaker":"Speaker 1","startTime":62.206,"endTime":62.206,"body":" "},{"speaker":"Speaker 1","startTime":62.226,"endTime":62.406,"body":"something"},{"speaker":"Speaker 1","startTime":62.406,"endTime":62.406,"body":" "},{"speaker":"Speaker 1","startTime":62.426,"endTime":62.526,"body":"we've"},{"speaker":"Speaker 1","startTime":62.526,"endTime":62.526,"body":" "},{"speaker":"Speaker 1","startTime":62.547,"endTime":62.667,"body":"been"},{"speaker":"Speaker 1","startTime":62.667,"endTime":62.667,"body":" "},{"speaker":"Speaker 1","startTime":62.707,"endTime":63.028,"body":"talking"},{"speaker":"Speaker 1","startTime":63.028,"endTime":63.028,"body":" "},{"speaker":"Speaker 1","startTime":63.068,"endTime":63.409,"body":"about"},{"speaker":"Speaker 1","startTime":63.409,"endTime":63.409,"body":" "},{"speaker":"Speaker 1","startTime":63.549,"endTime":63.77,"body":"for"},{"speaker":"Speaker 1","startTime":63.77,"endTime":63.77,"body":" "},{"speaker":"Speaker 1","startTime":63.85,"endTime":64.111,"body":"really"},{"speaker":"Speaker 1","startTime":64.111,"endTime":64.111,"body":" "},{"speaker":"Speaker 1","startTime":64.151,"endTime":64.171,"body":"a"},{"speaker":"Speaker 1","startTime":64.171,"endTime":64.171,"body":" "},{"speaker":"Speaker 1","startTime":64.231,"endTime":64.452,"body":"couple"},{"speaker":"Speaker 1","startTime":64.452,"endTime":64.452,"body":" "},{"speaker":"Speaker 1","startTime":64.472,"endTime":64.512,"body":"of"},{"speaker":"Speaker 1","startTime":64.512,"endTime":64.512,"body":" "},{"speaker":"Speaker 1","startTime":64.572,"endTime":64.893,"body":"years"},{"speaker":"Speaker 1","startTime":64.893,"endTime":64.893,"body":"."},{"speaker":"Speaker 1","startTime":64.893,"endTime":64.893,"body":" "},{"speaker":"Speaker 1","startTime":66.221,"endTime":66.281,"body":"You"},{"speaker":"Speaker 1","startTime":66.281,"endTime":66.281,"body":" "},{"speaker":"Speaker 1","startTime":66.301,"endTime":66.442,"body":"know"},{"speaker":"Speaker 1","startTime":66.442,"endTime":66.442,"body":","},{"speaker":"Speaker 1","startTime":66.442,"endTime":66.442,"body":" "},{"speaker":"Speaker 1","startTime":66.482,"endTime":66.763,"body":"direct"},{"speaker":"Speaker 1","startTime":66.763,"endTime":66.763,"body":" "},{"speaker":"Speaker 1","startTime":66.823,"endTime":67.385,"body":"indexing"},{"speaker":"Speaker 1","startTime":67.385,"endTime":67.385,"body":","},{"speaker":"Speaker 1","startTime":67.385,"endTime":67.385,"body":" "},{"speaker":"Speaker 1","startTime":67.485,"endTime":67.525,"body":"I"},{"speaker":"Speaker 1","startTime":67.525,"endTime":67.525,"body":" "},{"speaker":"Speaker 1","startTime":67.585,"endTime":67.806,"body":"think"},{"speaker":"Speaker 1","startTime":67.806,"endTime":67.806,"body":","},{"speaker":"Speaker 1","startTime":67.806,"endTime":67.806,"body":" "},{"speaker":"Speaker 1","startTime":67.926,"endTime":68.026,"body":"is"},{"speaker":"Speaker 1","startTime":68.026,"endTime":68.026,"body":" "},{"speaker":"Speaker 1","startTime":68.067,"endTime":68.388,"body":"definitely"},{"speaker":"Speaker 1","startTime":68.388,"endTime":68.388,"body":" "},{"speaker":"Speaker 1","startTime":68.428,"endTime":68.508,"body":"the"},{"speaker":"Speaker 1","startTime":68.508,"endTime":68.508,"body":" "},{"speaker":"Speaker 1","startTime":68.528,"endTime":68.769,"body":"way"},{"speaker":"Speaker 1","startTime":68.769,"endTime":68.769,"body":" "},{"speaker":"Speaker 1","startTime":69.07,"endTime":69.15,"body":"of"},{"speaker":"Speaker 1","startTime":69.15,"endTime":69.15,"body":" "},{"speaker":"Speaker 1","startTime":69.17,"endTime":69.23,"body":"the"},{"speaker":"Speaker 1","startTime":69.23,"endTime":69.23,"body":" "},{"speaker":"Speaker 1","startTime":69.27,"endTime":69.611,"body":"future"},{"speaker":"Speaker 1","startTime":69.611,"endTime":69.611,"body":"."},{"speaker":"Speaker 1","startTime":69.611,"endTime":69.611,"body":" "},{"speaker":"Speaker 1","startTime":71.662,"endTime":71.722,"body":"In"},{"speaker":"Speaker 1","startTime":71.722,"endTime":71.722,"body":" "},{"speaker":"Speaker 1","startTime":71.762,"endTime":71.822,"body":"the"},{"speaker":"Speaker 1","startTime":71.822,"endTime":71.822,"body":" "},{"speaker":"Speaker 1","startTime":71.983,"endTime":72.625,"body":"meantime"},{"speaker":"Speaker 1","startTime":72.625,"endTime":72.625,"body":","},{"speaker":"Speaker 1","startTime":72.625,"endTime":72.625,"body":" "},{"speaker":"Speaker 1","startTime":72.665,"endTime":72.906,"body":"though"},{"speaker":"Speaker 1","startTime":72.906,"endTime":72.906,"body":","},{"speaker":"Speaker 1","startTime":72.906,"endTime":72.906,"body":" "},{"speaker":"Speaker 1","startTime":72.966,"endTime":73.146,"body":"let's"},{"speaker":"Speaker 1","startTime":73.146,"endTime":73.146,"body":" "},{"speaker":"Speaker 1","startTime":73.347,"endTime":73.588,"body":"take"},{"speaker":"Speaker 1","startTime":73.588,"endTime":73.588,"body":" "},{"speaker":"Speaker 1","startTime":73.628,"endTime":73.668,"body":"a"},{"speaker":"Speaker 1","startTime":73.668,"endTime":73.668,"body":" "},{"speaker":"Speaker 1","startTime":73.728,"endTime":73.969,"body":"step"},{"speaker":"Speaker 1","startTime":73.969,"endTime":73.969,"body":" "},{"speaker":"Speaker 1","startTime":74.029,"endTime":74.25,"body":"back"},{"speaker":"Speaker 1","startTime":74.25,"endTime":74.25,"body":" "},{"speaker":"Speaker 1","startTime":74.31,"endTime":74.37,"body":"in"},{"speaker":"Speaker 1","startTime":74.37,"endTime":74.37,"body":" "},{"speaker":"Speaker 1","startTime":74.43,"endTime":74.832,"body":"time"},{"speaker":"Speaker 1","startTime":74.832,"endTime":74.832,"body":"."},{"speaker":"Speaker 1","startTime":74.832,"endTime":74.832,"body":" "},{"speaker":"Speaker 1","startTime":76.201,"endTime":76.382,"body":"Let's"},{"speaker":"Speaker 1","startTime":76.382,"endTime":76.382,"body":" "},{"speaker":"Speaker 1","startTime":76.422,"endTime":76.523,"body":"go"},{"speaker":"Speaker 1","startTime":76.523,"endTime":76.523,"body":" "},{"speaker":"Speaker 1","startTime":76.583,"endTime":76.844,"body":"back"},{"speaker":"Speaker 1","startTime":76.844,"endTime":76.844,"body":" "},{"speaker":"Speaker 1","startTime":76.944,"endTime":77.266,"body":"to"},{"speaker":"Speaker 1","startTime":77.266,"endTime":77.266,"body":","},{"speaker":"Speaker 1","startTime":77.266,"endTime":77.266,"body":" "},{"speaker":"Speaker 1","startTime":78.121,"endTime":78.242,"body":"you"},{"speaker":"Speaker 1","startTime":78.242,"endTime":78.242,"body":" "},{"speaker":"Speaker 1","startTime":78.262,"endTime":78.402,"body":"know"},{"speaker":"Speaker 1","startTime":78.402,"endTime":78.402,"body":","},{"speaker":"Speaker 1","startTime":78.402,"endTime":78.402,"body":" "},{"speaker":"Speaker 1","startTime":78.462,"endTime":79.687,"body":"2004"},{"speaker":"Speaker 1","startTime":79.687,"endTime":79.687,"body":","},{"speaker":"Speaker 1","startTime":79.687,"endTime":79.687,"body":" "},{"speaker":"Speaker 1","startTime":80.72,"endTime":81.202,"body":"2000"},{"speaker":"Speaker 1","startTime":81.202,"endTime":81.202,"body":","},{"speaker":"Speaker 1","startTime":81.202,"endTime":81.202,"body":" "},{"speaker":"Speaker 1","startTime":81.302,"endTime":82.607,"body":"2009"},{"speaker":"Speaker 1","startTime":82.607,"endTime":82.607,"body":","},{"speaker":"Speaker 1","startTime":82.607,"endTime":82.607,"body":" "},{"speaker":"Speaker 1","startTime":82.667,"endTime":82.989,"body":"10"},{"speaker":"Speaker 1","startTime":82.989,"endTime":82.989,"body":" "},{"speaker":"Speaker 1","startTime":84.321,"endTime":84.522,"body":"this"},{"speaker":"Speaker 1","startTime":84.522,"endTime":84.522,"body":" "},{"speaker":"Speaker 1","startTime":84.822,"endTime":85.023,"body":"these"},{"speaker":"Speaker 1","startTime":85.023,"endTime":85.023,"body":" "},{"speaker":"Speaker 1","startTime":85.063,"endTime":85.364,"body":"things"},{"speaker":"Speaker 1","startTime":85.364,"endTime":85.364,"body":" "},{"speaker":"Speaker 1","startTime":85.444,"endTime":85.665,"body":"called"},{"speaker":"Speaker 1","startTime":85.665,"endTime":85.665,"body":" "},{"speaker":"Speaker 1","startTime":85.685,"endTime":86.367,"body":"ETFs"},{"speaker":"Speaker 1","startTime":86.367,"endTime":86.367,"body":","},{"speaker":"Speaker 1","startTime":86.367,"endTime":86.367,"body":" "},{"speaker":"Speaker 1","startTime":86.547,"endTime":87.029,"body":"exchange"},{"speaker":"Speaker 1","startTime":87.029,"endTime":87.029,"body":" "},{"speaker":"Speaker 1","startTime":87.069,"endTime":87.37,"body":"traded"},{"speaker":"Speaker 1","startTime":87.37,"endTime":87.37,"body":" "},{"speaker":"Speaker 1","startTime":87.45,"endTime":87.831,"body":"funds"},{"speaker":"Speaker 1","startTime":87.831,"endTime":87.831,"body":" "},{"speaker":"Speaker 1","startTime":87.951,"endTime":88.312,"body":"were"},{"speaker":"Speaker 1","startTime":88.312,"endTime":88.312,"body":" "},{"speaker":"Speaker 1","startTime":89.542,"endTime":89.703,"body":"All"},{"speaker":"Speaker 1","startTime":89.703,"endTime":89.703,"body":" "},{"speaker":"Speaker 1","startTime":89.743,"endTime":89.823,"body":"the"},{"speaker":"Speaker 1","startTime":89.823,"endTime":89.823,"body":" "},{"speaker":"Speaker 1","startTime":89.863,"endTime":90.024,"body":"hot"},{"speaker":"Speaker 1","startTime":90.024,"endTime":90.024,"body":" "},{"speaker":"Speaker 1","startTime":90.064,"endTime":90.445,"body":"topic"},{"speaker":"Speaker 1","startTime":90.445,"endTime":90.445,"body":","},{"speaker":"Speaker 1","startTime":90.445,"endTime":90.445,"body":" "},{"speaker":"Speaker 1","startTime":90.586,"endTime":90.806,"body":"right"},{"speaker":"Speaker 1","startTime":90.806,"endTime":90.806,"body":" "},{"speaker":"Speaker 1","startTime":91.168,"endTime":91.308,"body":"Right"},{"speaker":"Speaker 1","startTime":91.308,"endTime":91.308,"body":","},{"speaker":"Speaker 1","startTime":91.308,"endTime":91.308,"body":" "},{"speaker":"Speaker 1","startTime":91.348,"endTime":91.449,"body":"all"},{"speaker":"Speaker 1","startTime":91.449,"endTime":91.449,"body":" "},{"speaker":"Speaker 1","startTime":91.469,"endTime":91.549,"body":"the"},{"speaker":"Speaker 1","startTime":91.549,"endTime":91.549,"body":" "},{"speaker":"Speaker 1","startTime":91.589,"endTime":91.87,"body":"rage"},{"speaker":"Speaker 1","startTime":91.87,"endTime":91.87,"body":"."},{"speaker":"Speaker 1","startTime":91.87,"endTime":91.87,"body":" "},{"speaker":"Speaker 1","startTime":93.2,"endTime":93.541,"body":"Mutual"},{"speaker":"Speaker 1","startTime":93.541,"endTime":93.541,"body":" "},{"speaker":"Speaker 1","startTime":93.561,"endTime":93.882,"body":"funds"},{"speaker":"Speaker 1","startTime":93.882,"endTime":93.882,"body":","},{"speaker":"Speaker 1","startTime":93.882,"endTime":93.882,"body":" "},{"speaker":"Speaker 1","startTime":94.043,"endTime":94.243,"body":"ever"},{"speaker":"Speaker 1","startTime":94.243,"endTime":94.243,"body":" "},{"speaker":"Speaker 1","startTime":94.343,"endTime":94.604,"body":"since"},{"speaker":"Speaker 1","startTime":94.604,"endTime":94.604,"body":","},{"speaker":"Speaker 1","startTime":94.604,"endTime":94.604,"body":" "},{"speaker":"Speaker 1","startTime":94.664,"endTime":94.744,"body":"I"},{"speaker":"Speaker 1","startTime":94.744,"endTime":94.744,"body":" "},{"speaker":"Speaker 1","startTime":94.764,"endTime":95.045,"body":"believe"},{"speaker":"Speaker 1","startTime":95.045,"endTime":95.045,"body":","},{"speaker":"Speaker 1","startTime":95.045,"endTime":95.045,"body":" "},{"speaker":"Speaker 1","startTime":95.085,"endTime":96.288,"body":"2003"},{"speaker":"Speaker 1","startTime":96.288,"endTime":96.288,"body":","},{"speaker":"Speaker 1","startTime":96.288,"endTime":96.288,"body":" "},{"speaker":"Speaker 1","startTime":96.328,"endTime":97.21,"body":"2004"},{"speaker":"Speaker 1","startTime":97.21,"endTime":97.21,"body":","},{"speaker":"Speaker 1","startTime":97.21,"endTime":97.21,"body":" "},{"speaker":"Speaker 1","startTime":97.331,"endTime":97.451,"body":"have"},{"speaker":"Speaker 1","startTime":97.451,"endTime":97.451,"body":" "},{"speaker":"Speaker 1","startTime":97.471,"endTime":97.631,"body":"been"},{"speaker":"Speaker 1","startTime":97.631,"endTime":97.631,"body":" "},{"speaker":"Speaker 1","startTime":97.772,"endTime":98.253,"body":"losing"},{"speaker":"Speaker 1","startTime":98.253,"endTime":98.253,"body":" "},{"speaker":"Speaker 1","startTime":99.821,"endTime":100.162,"body":"Value"},{"speaker":"Speaker 1","startTime":100.162,"endTime":100.162,"body":","},{"speaker":"Speaker 1","startTime":100.162,"endTime":100.162,"body":" "},{"speaker":"Speaker 1","startTime":100.603,"endTime":100.783,"body":"not"},{"speaker":"Speaker 1","startTime":100.783,"endTime":100.783,"body":" "},{"speaker":"Speaker 1","startTime":100.884,"endTime":101.064,"body":"not"},{"speaker":"Speaker 1","startTime":101.064,"endTime":101.064,"body":" "},{"speaker":"Speaker 1","startTime":101.225,"endTime":101.305,"body":"in"},{"speaker":"Speaker 1","startTime":101.305,"endTime":101.305,"body":" "},{"speaker":"Speaker 1","startTime":101.405,"endTime":101.706,"body":"price"},{"speaker":"Speaker 1","startTime":101.706,"endTime":101.706,"body":","},{"speaker":"Speaker 1","startTime":101.706,"endTime":101.706,"body":" "},{"speaker":"Speaker 1","startTime":101.746,"endTime":101.866,"body":"but"},{"speaker":"Speaker 1","startTime":101.866,"endTime":101.866,"body":" "},{"speaker":"Speaker 1","startTime":101.947,"endTime":102.167,"body":"just"},{"speaker":"Speaker 1","startTime":102.167,"endTime":102.167,"body":" "},{"speaker":"Speaker 1","startTime":102.267,"endTime":102.348,"body":"in"},{"speaker":"Speaker 1","startTime":102.348,"endTime":102.348,"body":" "},{"speaker":"Speaker 1","startTime":102.508,"endTime":102.769,"body":"losing"},{"speaker":"Speaker 1","startTime":102.769,"endTime":102.769,"body":" "},{"speaker":"Speaker 1","startTime":102.869,"endTime":103.23,"body":"assets"},{"speaker":"Speaker 1","startTime":103.23,"endTime":103.23,"body":","},{"speaker":"Speaker 1","startTime":103.23,"endTime":103.23,"body":" "},{"speaker":"Speaker 1","startTime":103.43,"endTime":103.471,"body":"is"},{"speaker":"Speaker 1","startTime":103.471,"endTime":103.471,"body":" "},{"speaker":"Speaker 1","startTime":103.491,"endTime":103.591,"body":"what"},{"speaker":"Speaker 1","startTime":103.591,"endTime":103.591,"body":" "},{"speaker":"Speaker 1","startTime":103.631,"endTime":103.691,"body":"I"},{"speaker":"Speaker 1","startTime":103.691,"endTime":103.691,"body":" "},{"speaker":"Speaker 1","startTime":103.711,"endTime":103.872,"body":"should"},{"speaker":"Speaker 1","startTime":103.872,"endTime":103.872,"body":" "},{"speaker":"Speaker 1","startTime":103.892,"endTime":104.012,"body":"say"},{"speaker":"Speaker 1","startTime":104.012,"endTime":104.012,"body":","},{"speaker":"Speaker 1","startTime":104.012,"endTime":104.012,"body":" "},{"speaker":"Speaker 1","startTime":105.242,"endTime":105.302,"body":"and"},{"speaker":"Speaker 1","startTime":105.302,"endTime":105.302,"body":" "},{"speaker":"Speaker 1","startTime":105.322,"endTime":105.482,"body":"there's"},{"speaker":"Speaker 1","startTime":105.482,"endTime":105.482,"body":" "},{"speaker":"Speaker 1","startTime":105.502,"endTime":105.522,"body":"a"},{"speaker":"Speaker 1","startTime":105.522,"endTime":105.522,"body":" "},{"speaker":"Speaker 1","startTime":105.562,"endTime":105.683,"body":"good"},{"speaker":"Speaker 1","startTime":105.683,"endTime":105.683,"body":" "},{"speaker":"Speaker 1","startTime":105.743,"endTime":106.063,"body":"reason"},{"speaker":"Speaker 1","startTime":106.063,"endTime":106.063,"body":"."},{"speaker":"Speaker 1","startTime":106.063,"endTime":106.063,"body":" "},{"speaker":"Speaker 1","startTime":106.063,"endTime":106.063,"body":"\n"},{"speaker":"Speaker 2","startTime":106.704,"endTime":106.785,"body":"The"},{"speaker":"Speaker 2","startTime":106.785,"endTime":106.785,"body":" "},{"speaker":"Speaker 2","startTime":106.865,"endTime":107.265,"body":"ETF"},{"speaker":"Speaker 2","startTime":107.265,"endTime":107.265,"body":" "},{"speaker":"Speaker 2","startTime":107.305,"endTime":107.766,"body":"structure"},{"speaker":"Speaker 2","startTime":107.766,"endTime":107.766,"body":" "},{"speaker":"Speaker 2","startTime":108.347,"endTime":108.487,"body":"was"},{"speaker":"Speaker 2","startTime":108.487,"endTime":108.487,"body":" "},{"speaker":"Speaker 2","startTime":108.688,"endTime":108.908,"body":"much"},{"speaker":"Speaker 2","startTime":108.908,"endTime":108.908,"body":" "},{"speaker":"Speaker 2","startTime":108.988,"endTime":109.149,"body":"more"},{"speaker":"Speaker 2","startTime":109.149,"endTime":109.149,"body":" "},{"speaker":"Speaker 2","startTime":109.189,"endTime":109.589,"body":"efficient"},{"speaker":"Speaker 2","startTime":109.589,"endTime":109.589,"body":" "},{"speaker":"Speaker 2","startTime":110.01,"endTime":110.11,"body":"to"},{"speaker":"Speaker 2","startTime":110.11,"endTime":110.11,"body":" "},{"speaker":"Speaker 2","startTime":110.331,"endTime":110.511,"body":"own"},{"speaker":"Speaker 2","startTime":110.511,"endTime":110.511,"body":" "},{"speaker":"Speaker 2","startTime":110.591,"endTime":110.891,"body":"inside"},{"speaker":"Speaker 2","startTime":110.891,"endTime":110.891,"body":" "},{"speaker":"Speaker 2","startTime":110.911,"endTime":111.252,"body":"brokerage"},{"speaker":"Speaker 2","startTime":111.252,"endTime":111.252,"body":" "},{"speaker":"Speaker 2","startTime":111.272,"endTime":111.673,"body":"accounts"},{"speaker":"Speaker 2","startTime":111.673,"endTime":111.673,"body":" "},{"speaker":"Speaker 2","startTime":111.713,"endTime":111.873,"body":"than"},{"speaker":"Speaker 2","startTime":111.873,"endTime":111.873,"body":" "},{"speaker":"Speaker 2","startTime":111.913,"endTime":112.174,"body":"mutual"},{"speaker":"Speaker 2","startTime":112.174,"endTime":112.174,"body":" "},{"speaker":"Speaker 2","startTime":112.194,"endTime":112.434,"body":"funds"},{"speaker":"Speaker 2","startTime":112.434,"endTime":112.434,"body":" "},{"speaker":"Speaker 2","startTime":112.915,"endTime":113.095,"body":"right"},{"speaker":"Speaker 2","startTime":113.095,"endTime":113.095,"body":","},{"speaker":"Speaker 2","startTime":113.095,"endTime":113.095,"body":" "},{"speaker":"Speaker 2","startTime":113.542,"endTime":113.722,"body":"yeah"},{"speaker":"Speaker 2","startTime":113.722,"endTime":113.722,"body":","},{"speaker":"Speaker 2","startTime":113.722,"endTime":113.722,"body":" "},{"speaker":"Speaker 2","startTime":113.742,"endTime":113.903,"body":"it's"},{"speaker":"Speaker 2","startTime":113.903,"endTime":113.903,"body":","},{"speaker":"Speaker 2","startTime":113.903,"endTime":113.903,"body":" "},{"speaker":"Speaker 2","startTime":115.961,"endTime":116.062,"body":"you"},{"speaker":"Speaker 2","startTime":116.062,"endTime":116.062,"body":" "},{"speaker":"Speaker 2","startTime":116.082,"endTime":116.202,"body":"know"},{"speaker":"Speaker 2","startTime":116.202,"endTime":116.202,"body":","},{"speaker":"Speaker 2","startTime":116.202,"endTime":116.202,"body":" "},{"speaker":"Speaker 2","startTime":116.483,"endTime":116.784,"body":"generally"},{"speaker":"Speaker 2","startTime":116.784,"endTime":116.784,"body":" "},{"speaker":"Speaker 2","startTime":116.864,"endTime":117.084,"body":"lower"},{"speaker":"Speaker 2","startTime":117.084,"endTime":117.084,"body":" "},{"speaker":"Speaker 2","startTime":117.145,"endTime":117.506,"body":"fees"},{"speaker":"Speaker 2","startTime":117.506,"endTime":117.506,"body":" "},{"speaker":"Speaker 2","startTime":118.047,"endTime":118.187,"body":"and"},{"speaker":"Speaker 2","startTime":118.187,"endTime":118.187,"body":" "},{"speaker":"Speaker 2","startTime":118.328,"endTime":118.368,"body":"I"},{"speaker":"Speaker 2","startTime":118.368,"endTime":118.368,"body":" "},{"speaker":"Speaker 2","startTime":118.408,"endTime":118.528,"body":"think"},{"speaker":"Speaker 2","startTime":118.528,"endTime":118.528,"body":" "},{"speaker":"Speaker 2","startTime":118.548,"endTime":118.589,"body":"we"},{"speaker":"Speaker 2","startTime":118.589,"endTime":118.589,"body":" "},{"speaker":"Speaker 2","startTime":118.609,"endTime":118.709,"body":"had"},{"speaker":"Speaker 2","startTime":118.709,"endTime":118.709,"body":" "},{"speaker":"Speaker 2","startTime":118.749,"endTime":118.789,"body":"a"},{"speaker":"Speaker 2","startTime":118.789,"endTime":118.789,"body":" "},{"speaker":"Speaker 2","startTime":118.809,"endTime":119.23,"body":"podcast"},{"speaker":"Speaker 2","startTime":119.23,"endTime":119.23,"body":" "},{"speaker":"Speaker 2","startTime":119.29,"endTime":119.351,"body":"on"},{"speaker":"Speaker 2","startTime":119.351,"endTime":119.351,"body":" "},{"speaker":"Speaker 2","startTime":119.391,"endTime":119.571,"body":"this"},{"speaker":"Speaker 2","startTime":119.571,"endTime":119.571,"body":" "},{"speaker":"Speaker 2","startTime":119.631,"endTime":119.792,"body":"but"},{"speaker":"Speaker 2","startTime":119.792,"endTime":119.792,"body":" "},{"speaker":"Speaker 2","startTime":120.641,"endTime":120.862,"body":"Lower"},{"speaker":"Speaker 2","startTime":120.862,"endTime":120.862,"body":" "},{"speaker":"Speaker 2","startTime":120.902,"endTime":121.142,"body":"fees"},{"speaker":"Speaker 2","startTime":121.142,"endTime":121.142,"body":" "},{"speaker":"Speaker 2","startTime":121.223,"endTime":121.343,"body":"and"},{"speaker":"Speaker 2","startTime":121.343,"endTime":121.343,"body":" "},{"speaker":"Speaker 2","startTime":121.443,"endTime":121.784,"body":"it's"},{"speaker":"Speaker 2","startTime":121.784,"endTime":121.784,"body":" "},{"speaker":"Speaker 2","startTime":121.824,"endTime":121.965,"body":"much"},{"speaker":"Speaker 2","startTime":121.965,"endTime":121.965,"body":" "},{"speaker":"Speaker 2","startTime":122.005,"endTime":122.125,"body":"more"},{"speaker":"Speaker 2","startTime":122.125,"endTime":122.125,"body":" "},{"speaker":"Speaker 2","startTime":122.165,"endTime":122.386,"body":"tax"},{"speaker":"Speaker 2","startTime":122.386,"endTime":122.386,"body":" "},{"speaker":"Speaker 2","startTime":122.426,"endTime":122.868,"body":"efficient"},{"speaker":"Speaker 2","startTime":122.868,"endTime":122.868,"body":" "},{"speaker":"Speaker 2","startTime":122.928,"endTime":123.048,"body":"than"},{"speaker":"Speaker 2","startTime":123.048,"endTime":123.048,"body":" "},{"speaker":"Speaker 2","startTime":123.068,"endTime":123.108,"body":"a"},{"speaker":"Speaker 2","startTime":123.108,"endTime":123.108,"body":" "},{"speaker":"Speaker 2","startTime":123.128,"endTime":123.389,"body":"mutual"},{"speaker":"Speaker 2","startTime":123.389,"endTime":123.389,"body":" "},{"speaker":"Speaker 2","startTime":123.409,"endTime":123.63,"body":"fund"},{"speaker":"Speaker 2","startTime":123.63,"endTime":123.63,"body":" "},{"speaker":"Speaker 2","startTime":123.89,"endTime":124.171,"body":"wrapper"},{"speaker":"Speaker 2","startTime":124.171,"endTime":124.171,"body":"."},{"speaker":"Speaker 2","startTime":124.171,"endTime":124.171,"body":" "},{"speaker":"Speaker 2","startTime":124.171,"endTime":124.171,"body":"\n"},{"speaker":"Speaker 1","startTime":124.702,"endTime":124.782,"body":"So"},{"speaker":"Speaker 1","startTime":124.782,"endTime":124.782,"body":" "},{"speaker":"Speaker 1","startTime":124.802,"endTime":124.882,"body":"you"},{"speaker":"Speaker 1","startTime":124.882,"endTime":124.882,"body":" "},{"speaker":"Speaker 1","startTime":124.902,"endTime":125.043,"body":"think"},{"speaker":"Speaker 1","startTime":125.043,"endTime":125.043,"body":" "},{"speaker":"Speaker 1","startTime":125.083,"endTime":125.304,"body":"about"},{"speaker":"Speaker 1","startTime":125.304,"endTime":125.304,"body":" "},{"speaker":"Speaker 1","startTime":125.364,"endTime":125.504,"body":"all"},{"speaker":"Speaker 1","startTime":125.504,"endTime":125.504,"body":" "},{"speaker":"Speaker 1","startTime":125.524,"endTime":125.605,"body":"the"},{"speaker":"Speaker 1","startTime":125.605,"endTime":125.605,"body":" "},{"speaker":"Speaker 1","startTime":125.645,"endTime":125.986,"body":"trading"},{"speaker":"Speaker 1","startTime":125.986,"endTime":125.986,"body":" "},{"speaker":"Speaker 1","startTime":126.026,"endTime":126.126,"body":"that"},{"speaker":"Speaker 1","startTime":126.126,"endTime":126.126,"body":" "},{"speaker":"Speaker 1","startTime":126.166,"endTime":126.387,"body":"mutual"},{"speaker":"Speaker 1","startTime":126.387,"endTime":126.387,"body":" "},{"speaker":"Speaker 1","startTime":126.407,"endTime":126.568,"body":"fund"},{"speaker":"Speaker 1","startTime":126.568,"endTime":126.568,"body":" "},{"speaker":"Speaker 1","startTime":126.588,"endTime":127.029,"body":"managers"},{"speaker":"Speaker 1","startTime":127.029,"endTime":127.029,"body":" "},{"speaker":"Speaker 1","startTime":127.11,"endTime":127.31,"body":"do"},{"speaker":"Speaker 1","startTime":127.31,"endTime":127.31,"body":" "},{"speaker":"Speaker 1","startTime":128.484,"endTime":128.585,"body":"in"},{"speaker":"Speaker 1","startTime":128.585,"endTime":128.585,"body":" "},{"speaker":"Speaker 1","startTime":128.605,"endTime":128.806,"body":"the"},{"speaker":"Speaker 1","startTime":128.806,"endTime":128.806,"body":" "},{"speaker":"Speaker 1","startTime":129.411,"endTime":129.471,"body":"in"},{"speaker":"Speaker 1","startTime":129.471,"endTime":129.471,"body":" "},{"speaker":"Speaker 1","startTime":129.492,"endTime":129.653,"body":"their"},{"speaker":"Speaker 1","startTime":129.653,"endTime":129.653,"body":" "},{"speaker":"Speaker 1","startTime":129.693,"endTime":130.439,"body":"portfolio"},{"speaker":"Speaker 1","startTime":130.439,"endTime":130.439,"body":" "},{"speaker":"Speaker 1","startTime":130.459,"endTime":130.519,"body":"and"},{"speaker":"Speaker 1","startTime":130.519,"endTime":130.519,"body":","},{"speaker":"Speaker 1","startTime":130.519,"endTime":130.519,"body":" "},{"speaker":"Speaker 1","startTime":131.382,"endTime":131.543,"body":"and"},{"speaker":"Speaker 1","startTime":131.543,"endTime":131.543,"body":" "},{"speaker":"Speaker 1","startTime":131.804,"endTime":131.964,"body":"all"},{"speaker":"Speaker 1","startTime":131.964,"endTime":131.964,"body":" "},{"speaker":"Speaker 1","startTime":132.024,"endTime":132.245,"body":"those"},{"speaker":"Speaker 1","startTime":132.245,"endTime":132.245,"body":" "},{"speaker":"Speaker 1","startTime":132.325,"endTime":132.967,"body":"trades"},{"speaker":"Speaker 1","startTime":132.967,"endTime":132.967,"body":" "},{"speaker":"Speaker 1","startTime":133.228,"endTime":133.629,"body":"generate"},{"speaker":"Speaker 1","startTime":133.629,"endTime":133.629,"body":" "},{"speaker":"Speaker 1","startTime":133.649,"endTime":134.01,"body":"capital"},{"speaker":"Speaker 1","startTime":134.01,"endTime":134.01,"body":" "},{"speaker":"Speaker 1","startTime":134.03,"endTime":134.331,"body":"gains"},{"speaker":"Speaker 1","startTime":134.331,"endTime":134.331,"body":","},{"speaker":"Speaker 1","startTime":134.331,"endTime":134.331,"body":" "},{"speaker":"Speaker 1","startTime":135.321,"endTime":135.662,"body":"hopefully"},{"speaker":"Speaker 1","startTime":135.662,"endTime":135.662,"body":","},{"speaker":"Speaker 1","startTime":135.662,"endTime":135.662,"body":" "},{"speaker":"Speaker 1","startTime":135.722,"endTime":135.943,"body":"right"},{"speaker":"Speaker 1","startTime":135.943,"endTime":135.943,"body":","},{"speaker":"Speaker 1","startTime":135.943,"endTime":135.943,"body":" "},{"speaker":"Speaker 1","startTime":136.084,"endTime":136.285,"body":"right"},{"speaker":"Speaker 1","startTime":136.285,"endTime":136.285,"body":","},{"speaker":"Speaker 1","startTime":136.285,"endTime":136.285,"body":" "},{"speaker":"Speaker 1","startTime":137.161,"endTime":137.301,"body":"so"},{"speaker":"Speaker 1","startTime":137.301,"endTime":137.301,"body":" "},{"speaker":"Speaker 1","startTime":137.341,"endTime":137.602,"body":"those"},{"speaker":"Speaker 1","startTime":137.602,"endTime":137.602,"body":" "},{"speaker":"Speaker 1","startTime":137.642,"endTime":137.942,"body":"gains"},{"speaker":"Speaker 1","startTime":137.942,"endTime":137.942,"body":" "},{"speaker":"Speaker 1","startTime":138.002,"endTime":138.143,"body":"get"},{"speaker":"Speaker 1","startTime":138.143,"endTime":138.143,"body":" "},{"speaker":"Speaker 1","startTime":138.183,"endTime":138.483,"body":"passed"},{"speaker":"Speaker 1","startTime":138.483,"endTime":138.483,"body":" "},{"speaker":"Speaker 1","startTime":138.524,"endTime":138.704,"body":"through"},{"speaker":"Speaker 1","startTime":138.704,"endTime":138.704,"body":"."},{"speaker":"Speaker 1","startTime":138.704,"endTime":138.704,"body":" "},{"speaker":"Speaker 1","startTime":138.764,"endTime":138.904,"body":"Now"},{"speaker":"Speaker 1","startTime":138.904,"endTime":138.904,"body":" "},{"speaker":"Speaker 1","startTime":138.944,"endTime":139.045,"body":"you"},{"speaker":"Speaker 1","startTime":139.045,"endTime":139.045,"body":" "},{"speaker":"Speaker 1","startTime":139.085,"endTime":139.185,"body":"can"},{"speaker":"Speaker 1","startTime":139.185,"endTime":139.185,"body":" "},{"speaker":"Speaker 1","startTime":139.265,"endTime":139.425,"body":"even"},{"speaker":"Speaker 1","startTime":139.425,"endTime":139.425,"body":" "},{"speaker":"Speaker 1","startTime":139.465,"endTime":139.606,"body":"have"},{"speaker":"Speaker 1","startTime":139.606,"endTime":139.606,"body":" "},{"speaker":"Speaker 1","startTime":139.666,"endTime":139.966,"body":"capital"},{"speaker":"Speaker 1","startTime":139.966,"endTime":139.966,"body":" "},{"speaker":"Speaker 1","startTime":140.007,"endTime":140.287,"body":"gains"},{"speaker":"Speaker 1","startTime":140.287,"endTime":140.287,"body":" "},{"speaker":"Speaker 1","startTime":140.407,"endTime":140.528,"body":"in"},{"speaker":"Speaker 1","startTime":140.528,"endTime":140.528,"body":" "},{"speaker":"Speaker 1","startTime":140.588,"endTime":140.908,"body":"years"},{"speaker":"Speaker 1","startTime":140.908,"endTime":140.908,"body":" "},{"speaker":"Speaker 1","startTime":140.948,"endTime":141.229,"body":"where"},{"speaker":"Speaker 1","startTime":141.229,"endTime":141.229,"body":" "},{"speaker":"Speaker 1","startTime":141.269,"endTime":141.389,"body":"the"},{"speaker":"Speaker 1","startTime":141.389,"endTime":141.389,"body":" "},{"speaker":"Speaker 1","startTime":141.409,"endTime":141.65,"body":"mutual"},{"speaker":"Speaker 1","startTime":141.65,"endTime":141.65,"body":" "},{"speaker":"Speaker 1","startTime":141.67,"endTime":141.89,"body":"fund"},{"speaker":"Speaker 1","startTime":141.89,"endTime":141.89,"body":" "},{"speaker":"Speaker 1","startTime":141.93,"endTime":142.211,"body":"lost"},{"speaker":"Speaker 1","startTime":142.211,"endTime":142.211,"body":" "},{"speaker":"Speaker 1","startTime":142.271,"endTime":142.672,"body":"value"},{"speaker":"Speaker 1","startTime":142.672,"endTime":142.672,"body":","},{"speaker":"Speaker 1","startTime":142.672,"endTime":142.672,"body":" "},{"speaker":"Speaker 1","startTime":143.113,"endTime":143.273,"body":"which"},{"speaker":"Speaker 1","startTime":143.273,"endTime":143.273,"body":" "},{"speaker":"Speaker 1","startTime":143.373,"endTime":143.694,"body":"becomes"},{"speaker":"Speaker 1","startTime":143.694,"endTime":143.694,"body":" "},{"speaker":"Speaker 1","startTime":144.802,"endTime":145.124,"body":"very"},{"speaker":"Speaker 1","startTime":145.124,"endTime":145.124,"body":" "},{"speaker":"Speaker 1","startTime":145.285,"endTime":145.547,"body":"tax"},{"speaker":"Speaker 1","startTime":145.547,"endTime":145.547,"body":" "},{"speaker":"Speaker 1","startTime":145.607,"endTime":146.131,"body":"inefficient"},{"speaker":"Speaker 1","startTime":146.131,"endTime":146.131,"body":" "},{"speaker":"Speaker 1","startTime":147.339,"endTime":147.42,"body":"and"},{"speaker":"Speaker 1","startTime":147.42,"endTime":147.42,"body":" "},{"speaker":"Speaker 1","startTime":147.941,"endTime":148.022,"body":"you"},{"speaker":"Speaker 1","startTime":148.022,"endTime":148.022,"body":" "},{"speaker":"Speaker 1","startTime":148.062,"endTime":148.202,"body":"didn't"},{"speaker":"Speaker 1","startTime":148.202,"endTime":148.202,"body":" "},{"speaker":"Speaker 1","startTime":148.242,"endTime":148.322,"body":"have"},{"speaker":"Speaker 1","startTime":148.322,"endTime":148.322,"body":" "},{"speaker":"Speaker 1","startTime":148.363,"endTime":149.065,"body":"transparency"},{"speaker":"Speaker 1","startTime":149.065,"endTime":149.065,"body":","},{"speaker":"Speaker 1","startTime":149.065,"endTime":149.065,"body":" "},{"speaker":"Speaker 1","startTime":149.085,"endTime":149.245,"body":"there's"},{"speaker":"Speaker 1","startTime":149.245,"endTime":149.245,"body":" "},{"speaker":"Speaker 1","startTime":149.305,"endTime":149.566,"body":"all"},{"speaker":"Speaker 1","startTime":149.566,"endTime":149.566,"body":"."},{"speaker":"Speaker 1","startTime":149.566,"endTime":149.566,"body":" "},{"speaker":"Speaker 1","startTime":149.626,"endTime":149.827,"body":"There's"},{"speaker":"Speaker 1","startTime":149.827,"endTime":149.827,"body":" "},{"speaker":"Speaker 1","startTime":149.927,"endTime":150.168,"body":"lots"},{"speaker":"Speaker 1","startTime":150.168,"endTime":150.168,"body":" "},{"speaker":"Speaker 1","startTime":150.188,"endTime":150.248,"body":"of"},{"speaker":"Speaker 1","startTime":150.248,"endTime":150.248,"body":" "},{"speaker":"Speaker 1","startTime":150.308,"endTime":150.77,"body":"reasons"},{"speaker":"Speaker 1","startTime":150.77,"endTime":150.77,"body":" "},{"speaker":"Speaker 1","startTime":151.091,"endTime":151.171,"body":"as"},{"speaker":"Speaker 1","startTime":151.171,"endTime":151.171,"body":" "},{"speaker":"Speaker 1","startTime":151.572,"endTime":151.652,"body":"as"},{"speaker":"Speaker 1","startTime":151.652,"endTime":151.652,"body":" "},{"speaker":"Speaker 1","startTime":151.712,"endTime":151.813,"body":"to"},{"speaker":"Speaker 1","startTime":151.813,"endTime":151.813,"body":" "},{"speaker":"Speaker 1","startTime":151.853,"endTime":152.154,"body":"why"},{"speaker":"Speaker 1","startTime":152.154,"endTime":152.154,"body":" "},{"speaker":"Speaker 1","startTime":152.575,"endTime":152.655,"body":"the"},{"speaker":"Speaker 1","startTime":152.655,"endTime":152.655,"body":" "},{"speaker":"Speaker 1","startTime":152.675,"endTime":152.896,"body":"mutual"},{"speaker":"Speaker 1","startTime":152.896,"endTime":152.896,"body":" "},{"speaker":"Speaker 1","startTime":152.916,"endTime":153.097,"body":"fund"},{"speaker":"Speaker 1","startTime":153.097,"endTime":153.097,"body":" "},{"speaker":"Speaker 1","startTime":153.117,"endTime":153.618,"body":"model"},{"speaker":"Speaker 1","startTime":153.618,"endTime":153.618,"body":" "},{"speaker":"Speaker 1","startTime":153.738,"endTime":153.859,"body":"has"},{"speaker":"Speaker 1","startTime":153.859,"endTime":153.859,"body":" "},{"speaker":"Speaker 1","startTime":153.879,"endTime":154.039,"body":"been"},{"speaker":"Speaker 1","startTime":154.039,"endTime":154.039,"body":" "},{"speaker":"Speaker 1","startTime":154.059,"endTime":154.22,"body":"dying"},{"speaker":"Speaker 1","startTime":154.22,"endTime":154.22,"body":"."},{"speaker":"Speaker 1","startTime":154.22,"endTime":154.22,"body":" "},{"speaker":"Speaker 1","startTime":155.424,"endTime":155.565,"body":"Then"},{"speaker":"Speaker 1","startTime":155.565,"endTime":155.565,"body":" "},{"speaker":"Speaker 1","startTime":155.605,"endTime":155.765,"body":"come"},{"speaker":"Speaker 1","startTime":155.765,"endTime":155.765,"body":" "},{"speaker":"Speaker 1","startTime":155.785,"endTime":155.946,"body":"these"},{"speaker":"Speaker 1","startTime":155.946,"endTime":155.946,"body":" "},{"speaker":"Speaker 1","startTime":156.046,"endTime":156.708,"body":"ETFs"},{"speaker":"Speaker 1","startTime":156.708,"endTime":156.708,"body":" "},{"speaker":"Speaker 1","startTime":156.789,"endTime":157.03,"body":"where"},{"speaker":"Speaker 1","startTime":157.03,"endTime":157.03,"body":" "},{"speaker":"Speaker 1","startTime":157.11,"endTime":157.23,"body":"you"},{"speaker":"Speaker 1","startTime":157.23,"endTime":157.23,"body":" "},{"speaker":"Speaker 1","startTime":157.311,"endTime":157.531,"body":"don't"},{"speaker":"Speaker 1","startTime":157.531,"endTime":157.531,"body":" "},{"speaker":"Speaker 1","startTime":157.632,"endTime":157.792,"body":"have"},{"speaker":"Speaker 1","startTime":157.792,"endTime":157.792,"body":" "},{"speaker":"Speaker 1","startTime":157.852,"endTime":157.993,"body":"these"},{"speaker":"Speaker 1","startTime":157.993,"endTime":157.993,"body":" "},{"speaker":"Speaker 1","startTime":158.093,"endTime":158.535,"body":"negative"},{"speaker":"Speaker 1","startTime":158.535,"endTime":158.535,"body":" "},{"speaker":"Speaker 1","startTime":158.976,"endTime":159.237,"body":"tax"},{"speaker":"Speaker 1","startTime":159.237,"endTime":159.237,"body":" "},{"speaker":"Speaker 1","startTime":159.277,"endTime":159.919,"body":"consequences"},{"speaker":"Speaker 1","startTime":159.919,"endTime":159.919,"body":"."},{"speaker":"Speaker 1","startTime":159.919,"endTime":159.919,"body":" "},{"speaker":"Speaker 1","startTime":159.94,"endTime":160.06,"body":"Now"},{"speaker":"Speaker 1","startTime":160.06,"endTime":160.06,"body":" "},{"speaker":"Speaker 1","startTime":160.16,"endTime":160.321,"body":"there"},{"speaker":"Speaker 1","startTime":160.321,"endTime":160.321,"body":" "},{"speaker":"Speaker 1","startTime":160.441,"endTime":160.582,"body":"are"},{"speaker":"Speaker 1","startTime":160.582,"endTime":160.582,"body":" "},{"speaker":"Speaker 1","startTime":161.184,"endTime":161.425,"body":"rare"},{"speaker":"Speaker 1","startTime":161.425,"endTime":161.425,"body":" "},{"speaker":"Speaker 1","startTime":161.485,"endTime":162.167,"body":"situations"},{"speaker":"Speaker 1","startTime":162.167,"endTime":162.167,"body":" "},{"speaker":"Speaker 1","startTime":162.228,"endTime":162.388,"body":"where"},{"speaker":"Speaker 1","startTime":162.388,"endTime":162.388,"body":" "},{"speaker":"Speaker 1","startTime":162.448,"endTime":162.569,"body":"you"},{"speaker":"Speaker 1","startTime":162.569,"endTime":162.569,"body":" "},{"speaker":"Speaker 1","startTime":162.629,"endTime":162.749,"body":"do"},{"speaker":"Speaker 1","startTime":162.749,"endTime":162.749,"body":" "},{"speaker":"Speaker 1","startTime":162.81,"endTime":162.93,"body":"get"},{"speaker":"Speaker 1","startTime":162.93,"endTime":162.93,"body":" "},{"speaker":"Speaker 1","startTime":162.97,"endTime":163.291,"body":"capital"},{"speaker":"Speaker 1","startTime":163.291,"endTime":163.291,"body":" "},{"speaker":"Speaker 1","startTime":163.331,"endTime":163.653,"body":"gains"},{"speaker":"Speaker 1","startTime":163.653,"endTime":163.653,"body":","},{"speaker":"Speaker 1","startTime":163.653,"endTime":163.653,"body":" "},{"speaker":"Speaker 1","startTime":163.733,"endTime":164.174,"body":"especially"},{"speaker":"Speaker 1","startTime":164.174,"endTime":164.174,"body":" "},{"speaker":"Speaker 1","startTime":164.194,"endTime":164.275,"body":"in"},{"speaker":"Speaker 1","startTime":164.275,"endTime":164.275,"body":" "},{"speaker":"Speaker 1","startTime":164.315,"endTime":164.455,"body":"the"},{"speaker":"Speaker 1","startTime":164.455,"endTime":164.455,"body":" "},{"speaker":"Speaker 1","startTime":164.877,"endTime":165.198,"body":"lesser"},{"speaker":"Speaker 1","startTime":165.198,"endTime":165.198,"body":" "},{"speaker":"Speaker 1","startTime":165.218,"endTime":165.579,"body":"managed"},{"speaker":"Speaker 1","startTime":165.579,"endTime":165.579,"body":" "},{"speaker":"Speaker 1","startTime":165.68,"endTime":165.76,"body":"ones"},{"speaker":"Speaker 1","startTime":165.76,"endTime":165.76,"body":"."},{"speaker":"Speaker 1","startTime":165.76,"endTime":165.76,"body":" "},{"speaker":"Speaker 1","startTime":165.961,"endTime":166.102,"body":"But"},{"speaker":"Speaker 1","startTime":166.102,"endTime":166.102,"body":" "},{"speaker":"Speaker 1","startTime":166.383,"endTime":166.463,"body":"the"},{"speaker":"Speaker 1","startTime":166.463,"endTime":166.463,"body":" "},{"speaker":"Speaker 1","startTime":166.503,"endTime":166.805,"body":"larger"},{"speaker":"Speaker 1","startTime":166.805,"endTime":166.805,"body":" "},{"speaker":"Speaker 1","startTime":166.885,"endTime":166.986,"body":"ones"},{"speaker":"Speaker 1","startTime":166.986,"endTime":166.986,"body":","},{"speaker":"Speaker 1","startTime":166.986,"endTime":166.986,"body":" "},{"speaker":"Speaker 1","startTime":167.026,"endTime":167.126,"body":"your"},{"speaker":"Speaker 1","startTime":167.126,"endTime":167.126,"body":" "},{"speaker":"Speaker 1","startTime":167.146,"endTime":167.488,"body":"vanguard"},{"speaker":"Speaker 1","startTime":167.488,"endTime":167.488,"body":" "},{"speaker":"Speaker 1","startTime":167.508,"endTime":167.729,"body":"black"},{"speaker":"Speaker 1","startTime":167.729,"endTime":167.729,"body":" "},{"speaker":"Speaker 1","startTime":167.769,"endTime":168.031,"body":"rocks"},{"speaker":"Speaker 1","startTime":168.031,"endTime":168.031,"body":"."},{"speaker":"Speaker 1","startTime":168.031,"endTime":168.031,"body":" "},{"speaker":"Speaker 1","startTime":168.633,"endTime":168.754,"body":"Now"},{"speaker":"Speaker 1","startTime":168.754,"endTime":168.754,"body":"."},{"speaker":"Speaker 1","startTime":168.754,"endTime":168.754,"body":" "},{"speaker":"Speaker 1","startTime":168.794,"endTime":168.955,"body":"Now"},{"speaker":"Speaker 1","startTime":168.955,"endTime":168.955,"body":" "},{"speaker":"Speaker 1","startTime":168.975,"endTime":169.297,"body":"sometimes"},{"speaker":"Speaker 1","startTime":169.297,"endTime":169.297,"body":" "},{"speaker":"Speaker 1","startTime":169.317,"endTime":169.518,"body":"there's"},{"speaker":"Speaker 1","startTime":169.518,"endTime":169.518,"body":" "},{"speaker":"Speaker 1","startTime":169.538,"endTime":169.618,"body":"so"},{"speaker":"Speaker 1","startTime":169.618,"endTime":169.618,"body":" "},{"speaker":"Speaker 1","startTime":169.658,"endTime":169.799,"body":"many"},{"speaker":"Speaker 1","startTime":169.799,"endTime":169.799,"body":" "},{"speaker":"Speaker 1","startTime":169.859,"endTime":170.04,"body":"gains"},{"speaker":"Speaker 1","startTime":170.04,"endTime":170.04,"body":" "},{"speaker":"Speaker 1","startTime":170.18,"endTime":170.261,"body":"you"},{"speaker":"Speaker 1","startTime":170.261,"endTime":170.261,"body":" "},{"speaker":"Speaker 1","startTime":170.301,"endTime":170.502,"body":"can't"},{"speaker":"Speaker 1","startTime":170.502,"endTime":170.502,"body":" "},{"speaker":"Speaker 1","startTime":170.582,"endTime":170.803,"body":"help"},{"speaker":"Speaker 1","startTime":170.803,"endTime":170.803,"body":" "},{"speaker":"Speaker 1","startTime":171.023,"endTime":171.164,"body":"but"},{"speaker":"Speaker 1","startTime":171.164,"endTime":171.164,"body":" "},{"speaker":"Speaker 1","startTime":171.204,"endTime":171.405,"body":"have"},{"speaker":"Speaker 1","startTime":171.405,"endTime":171.405,"body":" "},{"speaker":"Speaker 1","startTime":171.425,"endTime":171.786,"body":"capital"},{"speaker":"Speaker 1","startTime":171.786,"endTime":171.786,"body":" "},{"speaker":"Speaker 1","startTime":171.806,"endTime":172.047,"body":"gains"},{"speaker":"Speaker 1","startTime":172.047,"endTime":172.047,"body":"."},{"speaker":"Speaker 1","startTime":172.047,"endTime":172.047,"body":" "},{"speaker":"Speaker 1","startTime":172.087,"endTime":172.228,"body":"That"},{"speaker":"Speaker 1","startTime":172.228,"endTime":172.228,"body":" "},{"speaker":"Speaker 1","startTime":172.288,"endTime":172.468,"body":"does"},{"speaker":"Speaker 1","startTime":172.468,"endTime":172.468,"body":" "},{"speaker":"Speaker 1","startTime":172.509,"endTime":172.79,"body":"happen"},{"speaker":"Speaker 1","startTime":172.79,"endTime":172.79,"body":"."},{"speaker":"Speaker 1","startTime":172.79,"endTime":172.79,"body":" "},{"speaker":"Speaker 1","startTime":172.79,"endTime":172.79,"body":"\n"},{"speaker":"Speaker 1","startTime":173.802,"endTime":173.922,"body":"But"},{"speaker":"Speaker 1","startTime":173.922,"endTime":173.922,"body":" "},{"speaker":"Speaker 1","startTime":173.942,"endTime":174.023,"body":"the"},{"speaker":"Speaker 1","startTime":174.023,"endTime":174.023,"body":" "},{"speaker":"Speaker 1","startTime":174.063,"endTime":174.264,"body":"point"},{"speaker":"Speaker 1","startTime":174.264,"endTime":174.264,"body":" "},{"speaker":"Speaker 1","startTime":174.344,"endTime":174.464,"body":"is"},{"speaker":"Speaker 1","startTime":174.464,"endTime":174.464,"body":" "},{"speaker":"Speaker 1","startTime":174.484,"endTime":174.525,"body":"is"},{"speaker":"Speaker 1","startTime":174.525,"endTime":174.525,"body":" "},{"speaker":"Speaker 1","startTime":174.585,"endTime":174.685,"body":"that"},{"speaker":"Speaker 1","startTime":174.685,"endTime":174.685,"body":" "},{"speaker":"Speaker 1","startTime":174.705,"endTime":174.786,"body":"the"},{"speaker":"Speaker 1","startTime":174.786,"endTime":174.786,"body":" "},{"speaker":"Speaker 1","startTime":174.826,"endTime":175.087,"body":"ETF"},{"speaker":"Speaker 1","startTime":175.087,"endTime":175.087,"body":" "},{"speaker":"Speaker 1","startTime":175.107,"endTime":175.609,"body":"structures"},{"speaker":"Speaker 1","startTime":175.609,"endTime":175.609,"body":" "},{"speaker":"Speaker 1","startTime":175.77,"endTime":175.91,"body":"was"},{"speaker":"Speaker 1","startTime":175.91,"endTime":175.91,"body":" "},{"speaker":"Speaker 1","startTime":176.031,"endTime":176.192,"body":"more"},{"speaker":"Speaker 1","startTime":176.192,"endTime":176.192,"body":" "},{"speaker":"Speaker 1","startTime":176.232,"endTime":176.654,"body":"efficient"},{"speaker":"Speaker 1","startTime":176.654,"endTime":176.654,"body":" "},{"speaker":"Speaker 1","startTime":177.537,"endTime":177.658,"body":"and"},{"speaker":"Speaker 1","startTime":177.658,"endTime":177.658,"body":" "},{"speaker":"Speaker 1","startTime":177.859,"endTime":177.959,"body":"the"},{"speaker":"Speaker 1","startTime":177.959,"endTime":177.959,"body":" "},{"speaker":"Speaker 1","startTime":178.019,"endTime":178.18,"body":"first"},{"speaker":"Speaker 1","startTime":178.18,"endTime":178.18,"body":" "},{"speaker":"Speaker 1","startTime":178.902,"endTime":179.464,"body":"Generation"},{"speaker":"Speaker 1","startTime":179.464,"endTime":179.464,"body":" "},{"speaker":"Speaker 1","startTime":179.484,"endTime":179.524,"body":"of"},{"speaker":"Speaker 1","startTime":179.524,"endTime":179.524,"body":" "},{"speaker":"Speaker 1","startTime":179.584,"endTime":179.985,"body":"ETFs"},{"speaker":"Speaker 1","startTime":179.985,"endTime":179.985,"body":" "},{"speaker":"Speaker 1","startTime":180.005,"endTime":180.106,"body":"were"},{"speaker":"Speaker 1","startTime":180.106,"endTime":180.106,"body":" "},{"speaker":"Speaker 1","startTime":180.126,"endTime":180.346,"body":"really"},{"speaker":"Speaker 1","startTime":180.346,"endTime":180.346,"body":" "},{"speaker":"Speaker 1","startTime":180.386,"endTime":180.527,"body":"just"},{"speaker":"Speaker 1","startTime":180.527,"endTime":180.527,"body":" "},{"speaker":"Speaker 1","startTime":180.567,"endTime":181.028,"body":"passive"},{"speaker":"Speaker 1","startTime":181.028,"endTime":181.028,"body":" "},{"speaker":"Speaker 1","startTime":181.369,"endTime":181.81,"body":"vehicles"},{"speaker":"Speaker 1","startTime":181.81,"endTime":181.81,"body":" "},{"speaker":"Speaker 1","startTime":181.871,"endTime":181.991,"body":"like"},{"speaker":"Speaker 1","startTime":181.991,"endTime":181.991,"body":" "},{"speaker":"Speaker 1","startTime":182.031,"endTime":182.232,"body":"the"},{"speaker":"Speaker 1","startTime":182.232,"endTime":182.232,"body":"."},{"speaker":"Speaker 1","startTime":182.232,"endTime":182.232,"body":" "},{"speaker":"Speaker 1","startTime":182.252,"endTime":182.332,"body":"You"},{"speaker":"Speaker 1","startTime":182.332,"endTime":182.332,"body":" "},{"speaker":"Speaker 1","startTime":182.352,"endTime":182.472,"body":"could"},{"speaker":"Speaker 1","startTime":182.472,"endTime":182.472,"body":" "},{"speaker":"Speaker 1","startTime":182.492,"endTime":182.653,"body":"buy"},{"speaker":"Speaker 1","startTime":182.653,"endTime":182.653,"body":" "},{"speaker":"Speaker 1","startTime":182.673,"endTime":182.753,"body":"the"},{"speaker":"Speaker 1","startTime":182.753,"endTime":182.753,"body":" "},{"speaker":"Speaker 1","startTime":182.874,"endTime":183.195,"body":"S\u0026P"},{"speaker":"Speaker 1","startTime":183.195,"endTime":183.195,"body":" "},{"speaker":"Speaker 1","startTime":183.255,"endTime":183.796,"body":"500"},{"speaker":"Speaker 1","startTime":183.796,"endTime":183.796,"body":" "},{"speaker":"Speaker 1","startTime":184.438,"endTime":184.619,"body":"through"},{"speaker":"Speaker 1","startTime":184.619,"endTime":184.619,"body":" "},{"speaker":"Speaker 1","startTime":184.639,"endTime":184.719,"body":"an"},{"speaker":"Speaker 1","startTime":184.719,"endTime":184.719,"body":" "},{"speaker":"Speaker 1","startTime":184.759,"endTime":185.0,"body":"ETF"},{"speaker":"Speaker 1","startTime":185.0,"endTime":185.0,"body":"."},{"speaker":"Speaker 1","startTime":185.0,"endTime":185.0,"body":" "},{"speaker":"Speaker 1","startTime":185.26,"endTime":185.341,"body":"You"},{"speaker":"Speaker 1","startTime":185.341,"endTime":185.341,"body":" "},{"speaker":"Speaker 1","startTime":185.361,"endTime":185.481,"body":"could"},{"speaker":"Speaker 1","startTime":185.481,"endTime":185.481,"body":" "},{"speaker":"Speaker 1","startTime":185.501,"endTime":185.601,"body":"buy"},{"speaker":"Speaker 1","startTime":185.601,"endTime":185.601,"body":" "},{"speaker":"Speaker 1","startTime":185.621,"endTime":185.702,"body":"the"},{"speaker":"Speaker 1","startTime":185.702,"endTime":185.702,"body":" "},{"speaker":"Speaker 1","startTime":185.742,"endTime":186.103,"body":"Russell"},{"speaker":"Speaker 1","startTime":186.103,"endTime":186.103,"body":" "},{"speaker":"Speaker 1","startTime":186.664,"endTime":187.306,"body":"1000"},{"speaker":"Speaker 1","startTime":187.306,"endTime":187.306,"body":","},{"speaker":"Speaker 1","startTime":187.306,"endTime":187.306,"body":" "},{"speaker":"Speaker 1","startTime":187.366,"endTime":187.767,"body":"russell"},{"speaker":"Speaker 1","startTime":187.767,"endTime":187.767,"body":" "},{"speaker":"Speaker 1","startTime":187.927,"endTime":188.468,"body":"2000"},{"speaker":"Speaker 1","startTime":188.468,"endTime":188.468,"body":","},{"speaker":"Speaker 1","startTime":188.468,"endTime":188.468,"body":" "},{"speaker":"Speaker 1","startTime":188.508,"endTime":189.11,"body":"3000"},{"speaker":"Speaker 1","startTime":189.11,"endTime":189.11,"body":","},{"speaker":"Speaker 1","startTime":189.11,"endTime":189.11,"body":" "},{"speaker":"Speaker 1","startTime":189.17,"endTime":189.411,"body":"small"},{"speaker":"Speaker 1","startTime":189.411,"endTime":189.411,"body":" "},{"speaker":"Speaker 1","startTime":189.451,"endTime":189.712,"body":"cap"},{"speaker":"Speaker 1","startTime":189.712,"endTime":189.712,"body":" "},{"speaker":"Speaker 1","startTime":189.852,"endTime":190.052,"body":"S\u0026P"},{"speaker":"Speaker 1","startTime":190.052,"endTime":190.052,"body":" "},{"speaker":"Speaker 1","startTime":191.28,"endTime":191.682,"body":"600"},{"speaker":"Speaker 1","startTime":191.682,"endTime":191.682,"body":" "},{"speaker":"Speaker 1","startTime":191.742,"endTime":191.822,"body":"or"},{"speaker":"Speaker 1","startTime":191.822,"endTime":191.822,"body":" "},{"speaker":"Speaker 1","startTime":191.923,"endTime":192.385,"body":"400"},{"speaker":"Speaker 1","startTime":192.385,"endTime":192.385,"body":" "},{"speaker":"Speaker 1","startTime":193.701,"endTime":193.821,"body":"For"},{"speaker":"Speaker 1","startTime":193.821,"endTime":193.821,"body":" "},{"speaker":"Speaker 1","startTime":193.882,"endTime":194.102,"body":"small"},{"speaker":"Speaker 1","startTime":194.102,"endTime":194.102,"body":" "},{"speaker":"Speaker 1","startTime":194.142,"endTime":194.303,"body":"mid"},{"speaker":"Speaker 1","startTime":194.303,"endTime":194.303,"body":" "},{"speaker":"Speaker 1","startTime":194.323,"endTime":194.543,"body":"cap"},{"speaker":"Speaker 1","startTime":194.543,"endTime":194.543,"body":" "},{"speaker":"Speaker 1","startTime":194.584,"endTime":194.904,"body":"space"},{"speaker":"Speaker 1","startTime":194.904,"endTime":194.904,"body":"."},{"speaker":"Speaker 1","startTime":194.904,"endTime":194.904,"body":" "},{"speaker":"Speaker 1","startTime":195.326,"endTime":195.466,"body":"You"},{"speaker":"Speaker 1","startTime":195.466,"endTime":195.466,"body":" "},{"speaker":"Speaker 1","startTime":195.807,"endTime":195.867,"body":"in"},{"speaker":"Speaker 1","startTime":195.867,"endTime":195.867,"body":" "},{"speaker":"Speaker 1","startTime":195.887,"endTime":196.007,"body":"the"},{"speaker":"Speaker 1","startTime":196.007,"endTime":196.007,"body":" "},{"speaker":"Speaker 1","startTime":196.068,"endTime":196.709,"body":"international"},{"speaker":"Speaker 1","startTime":196.709,"endTime":196.709,"body":","},{"speaker":"Speaker 1","startTime":196.709,"endTime":196.709,"body":" "},{"speaker":"Speaker 1","startTime":196.93,"endTime":197.03,"body":"you"},{"speaker":"Speaker 1","startTime":197.03,"endTime":197.03,"body":" "},{"speaker":"Speaker 1","startTime":197.05,"endTime":197.171,"body":"could"},{"speaker":"Speaker 1","startTime":197.171,"endTime":197.171,"body":" "},{"speaker":"Speaker 1","startTime":197.231,"endTime":197.371,"body":"buy"},{"speaker":"Speaker 1","startTime":197.371,"endTime":197.371,"body":" "},{"speaker":"Speaker 1","startTime":197.391,"endTime":197.451,"body":"the"},{"speaker":"Speaker 1","startTime":197.451,"endTime":197.451,"body":" "},{"speaker":"Speaker 1","startTime":197.552,"endTime":198.013,"body":"MSI"},{"speaker":"Speaker 1","startTime":198.013,"endTime":198.013,"body":" "},{"speaker":"Speaker 1","startTime":198.093,"endTime":198.554,"body":"indexes"},{"speaker":"Speaker 1","startTime":198.554,"endTime":198.554,"body":","},{"speaker":"Speaker 1","startTime":198.554,"endTime":198.554,"body":" "},{"speaker":"Speaker 1","startTime":198.595,"endTime":198.715,"body":"right"},{"speaker":"Speaker 1","startTime":198.715,"endTime":198.715,"body":","},{"speaker":"Speaker 1","startTime":198.715,"endTime":198.715,"body":" "},{"speaker":"Speaker 1","startTime":198.735,"endTime":198.795,"body":"you"},{"speaker":"Speaker 1","startTime":198.795,"endTime":198.795,"body":" "},{"speaker":"Speaker 1","startTime":198.815,"endTime":198.875,"body":"can"},{"speaker":"Speaker 1","startTime":198.875,"endTime":198.875,"body":" "},{"speaker":"Speaker 1","startTime":198.895,"endTime":198.976,"body":"do"},{"speaker":"Speaker 1","startTime":198.976,"endTime":198.976,"body":" "},{"speaker":"Speaker 1","startTime":198.996,"endTime":199.116,"body":"all"},{"speaker":"Speaker 1","startTime":199.116,"endTime":199.116,"body":" "},{"speaker":"Speaker 1","startTime":199.156,"endTime":199.276,"body":"these"},{"speaker":"Speaker 1","startTime":199.276,"endTime":199.276,"body":" "},{"speaker":"Speaker 1","startTime":199.397,"endTime":199.878,"body":"passive"},{"speaker":"Speaker 1","startTime":199.878,"endTime":199.878,"body":" "},{"speaker":"Speaker 1","startTime":199.918,"endTime":200.179,"body":"things"},{"speaker":"Speaker 1","startTime":200.179,"endTime":200.179,"body":"."},{"speaker":"Speaker 1","startTime":200.179,"endTime":200.179,"body":" "},{"speaker":"Speaker 1","startTime":200.259,"endTime":200.44,"body":"Now"},{"speaker":"Speaker 1","startTime":200.44,"endTime":200.44,"body":" "},{"speaker":"Speaker 1","startTime":200.46,"endTime":200.5,"body":"in"},{"speaker":"Speaker 1","startTime":200.5,"endTime":200.5,"body":" "},{"speaker":"Speaker 1","startTime":201.242,"endTime":201.322,"body":"the"},{"speaker":"Speaker 1","startTime":201.322,"endTime":201.322,"body":" "},{"speaker":"Speaker 1","startTime":201.342,"endTime":201.523,"body":"world"},{"speaker":"Speaker 1","startTime":201.523,"endTime":201.523,"body":" "},{"speaker":"Speaker 1","startTime":201.543,"endTime":201.583,"body":"of"},{"speaker":"Speaker 1","startTime":201.583,"endTime":201.583,"body":" "},{"speaker":"Speaker 1","startTime":201.664,"endTime":202.166,"body":"ETFs"},{"speaker":"Speaker 1","startTime":202.166,"endTime":202.166,"body":","},{"speaker":"Speaker 1","startTime":202.166,"endTime":202.166,"body":" "},{"speaker":"Speaker 1","startTime":202.226,"endTime":202.287,"body":"I"},{"speaker":"Speaker 1","startTime":202.287,"endTime":202.287,"body":" "},{"speaker":"Speaker 1","startTime":202.307,"endTime":202.427,"body":"think"},{"speaker":"Speaker 1","startTime":202.427,"endTime":202.427,"body":" "},{"speaker":"Speaker 1","startTime":202.448,"endTime":202.648,"body":"there's"},{"speaker":"Speaker 1","startTime":202.648,"endTime":202.648,"body":" "},{"speaker":"Speaker 1","startTime":202.689,"endTime":202.809,"body":"more"},{"speaker":"Speaker 1","startTime":202.809,"endTime":202.809,"body":" "},{"speaker":"Speaker 1","startTime":202.99,"endTime":203.352,"body":"active"},{"speaker":"Speaker 1","startTime":203.352,"endTime":203.352,"body":" "},{"speaker":"Speaker 1","startTime":203.513,"endTime":203.914,"body":"ETFs"},{"speaker":"Speaker 1","startTime":203.914,"endTime":203.914,"body":" "},{"speaker":"Speaker 1","startTime":203.975,"endTime":204.035,"body":"and"},{"speaker":"Speaker 1","startTime":204.035,"endTime":204.035,"body":" "},{"speaker":"Speaker 1","startTime":204.055,"endTime":204.176,"body":"there"},{"speaker":"Speaker 1","startTime":204.176,"endTime":204.176,"body":" "},{"speaker":"Speaker 1","startTime":204.216,"endTime":204.296,"body":"are"},{"speaker":"Speaker 1","startTime":204.296,"endTime":204.296,"body":" "},{"speaker":"Speaker 1","startTime":204.316,"endTime":204.698,"body":"passive"},{"speaker":"Speaker 1","startTime":204.698,"endTime":204.698,"body":" "},{"speaker":"Speaker 1","startTime":204.779,"endTime":205.06,"body":"ETFs"},{"speaker":"Speaker 1","startTime":205.06,"endTime":205.06,"body":"."},{"speaker":"Speaker 1","startTime":205.06,"endTime":205.06,"body":" "},{"speaker":"Speaker 1","startTime":205.14,"endTime":205.281,"body":"So"},{"speaker":"Speaker 1","startTime":205.281,"endTime":205.281,"body":" "},{"speaker":"Speaker 1","startTime":205.641,"endTime":205.742,"body":"they"},{"speaker":"Speaker 1","startTime":205.742,"endTime":205.742,"body":" "},{"speaker":"Speaker 1","startTime":205.782,"endTime":205.942,"body":"meet"},{"speaker":"Speaker 1","startTime":205.942,"endTime":205.942,"body":" "},{"speaker":"Speaker 1","startTime":205.962,"endTime":206.022,"body":"you"},{"speaker":"Speaker 1","startTime":206.022,"endTime":206.022,"body":" "},{"speaker":"Speaker 1","startTime":206.062,"endTime":206.323,"body":"fund"},{"speaker":"Speaker 1","startTime":206.323,"endTime":206.323,"body":" "},{"speaker":"Speaker 1","startTime":206.865,"endTime":207.085,"body":"active"},{"speaker":"Speaker 1","startTime":207.085,"endTime":207.085,"body":" "},{"speaker":"Speaker 1","startTime":207.125,"endTime":207.546,"body":"management"},{"speaker":"Speaker 1","startTime":207.546,"endTime":207.546,"body":" "},{"speaker":"Speaker 1","startTime":207.587,"endTime":207.947,"body":"structure"},{"speaker":"Speaker 1","startTime":207.947,"endTime":207.947,"body":" "},{"speaker":"Speaker 1","startTime":208.028,"endTime":208.489,"body":"move"},{"speaker":"Speaker 1","startTime":208.489,"endTime":208.489,"body":" "},{"speaker":"Speaker 1","startTime":208.73,"endTime":208.85,"body":"to"},{"speaker":"Speaker 1","startTime":208.85,"endTime":208.85,"body":" "},{"speaker":"Speaker 1","startTime":208.87,"endTime":208.97,"body":"the"},{"speaker":"Speaker 1","startTime":208.97,"endTime":208.97,"body":" "},{"speaker":"Speaker 1","startTime":209.01,"endTime":209.371,"body":"ETF"},{"speaker":"Speaker 1","startTime":209.371,"endTime":209.371,"body":" "},{"speaker":"Speaker 1","startTime":209.411,"endTime":209.832,"body":"format"},{"speaker":"Speaker 1","startTime":209.832,"endTime":209.832,"body":","},{"speaker":"Speaker 1","startTime":209.832,"endTime":209.832,"body":" "},{"speaker":"Speaker 1","startTime":210.501,"endTime":210.601,"body":"so"},{"speaker":"Speaker 1","startTime":210.601,"endTime":210.601,"body":" "},{"speaker":"Speaker 1","startTime":210.641,"endTime":210.882,"body":"really"},{"speaker":"Speaker 1","startTime":210.882,"endTime":210.882,"body":" "},{"speaker":"Speaker 1","startTime":210.922,"endTime":211.063,"body":"they"},{"speaker":"Speaker 1","startTime":211.063,"endTime":211.063,"body":" "},{"speaker":"Speaker 1","startTime":211.103,"endTime":211.283,"body":"should"},{"speaker":"Speaker 1","startTime":211.283,"endTime":211.283,"body":" "},{"speaker":"Speaker 1","startTime":211.303,"endTime":211.404,"body":"be"},{"speaker":"Speaker 1","startTime":211.404,"endTime":211.404,"body":" "},{"speaker":"Speaker 1","startTime":211.464,"endTime":211.805,"body":"called"},{"speaker":"Speaker 1","startTime":211.805,"endTime":211.805,"body":" "},{"speaker":"Speaker 1","startTime":211.925,"endTime":212.406,"body":"exchange"},{"speaker":"Speaker 1","startTime":212.406,"endTime":212.406,"body":" "},{"speaker":"Speaker 1","startTime":212.466,"endTime":212.707,"body":"rated"},{"speaker":"Speaker 1","startTime":212.707,"endTime":212.707,"body":" "},{"speaker":"Speaker 1","startTime":212.767,"endTime":213.349,"body":"products"},{"speaker":"Speaker 1","startTime":213.349,"endTime":213.349,"body":" "},{"speaker":"Speaker 1","startTime":213.409,"endTime":213.489,"body":"and"},{"speaker":"Speaker 1","startTime":213.489,"endTime":213.489,"body":" "},{"speaker":"Speaker 1","startTime":213.509,"endTime":213.609,"body":"then"},{"speaker":"Speaker 1","startTime":213.609,"endTime":213.609,"body":" "},{"speaker":"Speaker 1","startTime":213.649,"endTime":213.73,"body":"we"},{"speaker":"Speaker 1","startTime":213.73,"endTime":213.73,"body":" "},{"speaker":"Speaker 1","startTime":213.75,"endTime":213.91,"body":"should"},{"speaker":"Speaker 1","startTime":213.91,"endTime":213.91,"body":" "},{"speaker":"Speaker 1","startTime":213.95,"endTime":214.251,"body":"probably"},{"speaker":"Speaker 1","startTime":214.251,"endTime":214.251,"body":" "},{"speaker":"Speaker 1","startTime":214.311,"endTime":214.472,"body":"talk"},{"speaker":"Speaker 1","startTime":214.472,"endTime":214.472,"body":" "},{"speaker":"Speaker 1","startTime":214.512,"endTime":214.772,"body":"about"},{"speaker":"Speaker 1","startTime":214.772,"endTime":214.772,"body":" "},{"speaker":"Speaker 1","startTime":215.761,"endTime":215.882,"body":"what"},{"speaker":"Speaker 1","startTime":215.882,"endTime":215.882,"body":" "},{"speaker":"Speaker 1","startTime":215.902,"endTime":216.062,"body":"they"},{"speaker":"Speaker 1","startTime":216.062,"endTime":216.062,"body":" "},{"speaker":"Speaker 1","startTime":216.103,"endTime":216.323,"body":"do"},{"speaker":"Speaker 1","startTime":216.323,"endTime":216.323,"body":"."},{"speaker":"Speaker 1","startTime":216.323,"endTime":216.323,"body":" "},{"speaker":"Speaker 1","startTime":216.725,"endTime":216.825,"body":"But"},{"speaker":"Speaker 1","startTime":216.825,"endTime":216.825,"body":" "},{"speaker":"Speaker 1","startTime":216.845,"endTime":217.006,"body":"that's"},{"speaker":"Speaker 1","startTime":217.006,"endTime":217.006,"body":" "},{"speaker":"Speaker 1","startTime":217.046,"endTime":217.126,"body":"not"},{"speaker":"Speaker 1","startTime":217.126,"endTime":217.126,"body":" "},{"speaker":"Speaker 1","startTime":217.146,"endTime":217.247,"body":"what"},{"speaker":"Speaker 1","startTime":217.247,"endTime":217.247,"body":" "},{"speaker":"Speaker 1","startTime":217.267,"endTime":217.347,"body":"we"},{"speaker":"Speaker 1","startTime":217.347,"endTime":217.347,"body":" "},{"speaker":"Speaker 1","startTime":217.367,"endTime":217.527,"body":"did"},{"speaker":"Speaker 1","startTime":217.527,"endTime":217.527,"body":" "},{"speaker":"Speaker 1","startTime":217.628,"endTime":217.808,"body":"in"},{"speaker":"Speaker 1","startTime":217.808,"endTime":217.808,"body":" "},{"speaker":"Speaker 1","startTime":217.869,"endTime":217.989,"body":"the"},{"speaker":"Speaker 1","startTime":217.989,"endTime":217.989,"body":" "},{"speaker":"Speaker 1","startTime":218.17,"endTime":218.27,"body":"US"},{"speaker":"Speaker 1","startTime":218.27,"endTime":218.27,"body":","},{"speaker":"Speaker 1","startTime":218.27,"endTime":218.27,"body":" "},{"speaker":"Speaker 1","startTime":218.721,"endTime":218.822,"body":"so"},{"speaker":"Speaker 1","startTime":218.822,"endTime":218.822,"body":" "},{"speaker":"Speaker 1","startTime":218.862,"endTime":218.962,"body":"it's"},{"speaker":"Speaker 1","startTime":218.962,"endTime":218.962,"body":" "},{"speaker":"Speaker 1","startTime":218.982,"endTime":219.142,"body":"very"},{"speaker":"Speaker 1","startTime":219.142,"endTime":219.142,"body":" "},{"speaker":"Speaker 1","startTime":219.183,"endTime":219.644,"body":"confusing"},{"speaker":"Speaker 1","startTime":219.644,"endTime":219.644,"body":" "},{"speaker":"Speaker 1","startTime":219.684,"endTime":219.784,"body":"for"},{"speaker":"Speaker 1","startTime":219.784,"endTime":219.784,"body":" "},{"speaker":"Speaker 1","startTime":219.824,"endTime":220.045,"body":"people"},{"speaker":"Speaker 1","startTime":220.045,"endTime":220.045,"body":" "},{"speaker":"Speaker 1","startTime":220.085,"endTime":220.326,"body":"trying"},{"speaker":"Speaker 1","startTime":220.326,"endTime":220.326,"body":" "},{"speaker":"Speaker 1","startTime":220.366,"endTime":220.426,"body":"to"},{"speaker":"Speaker 1","startTime":220.426,"endTime":220.426,"body":" "},{"speaker":"Speaker 1","startTime":220.466,"endTime":220.727,"body":"learn"},{"speaker":"Speaker 1","startTime":220.727,"endTime":220.727,"body":"."},{"speaker":"Speaker 1","startTime":220.727,"endTime":220.727,"body":" "},{"speaker":"Speaker 1","startTime":220.867,"endTime":220.988,"body":"But"},{"speaker":"Speaker 1","startTime":220.988,"endTime":220.988,"body":" "},{"speaker":"Speaker 1","startTime":221.188,"endTime":221.589,"body":"ETF"},{"speaker":"Speaker 1","startTime":221.589,"endTime":221.589,"body":" "},{"speaker":"Speaker 1","startTime":221.629,"endTime":221.71,"body":"is"},{"speaker":"Speaker 1","startTime":221.71,"endTime":221.71,"body":" "},{"speaker":"Speaker 1","startTime":221.73,"endTime":221.87,"body":"just"},{"speaker":"Speaker 1","startTime":221.87,"endTime":221.87,"body":" "},{"speaker":"Speaker 1","startTime":221.91,"endTime":221.95,"body":"a"},{"speaker":"Speaker 1","startTime":221.95,"endTime":221.95,"body":" "},{"speaker":"Speaker 1","startTime":221.99,"endTime":222.472,"body":"structure"},{"speaker":"Speaker 1","startTime":222.472,"endTime":222.472,"body":" "},{"speaker":"Speaker 1","startTime":223.041,"endTime":223.121,"body":"and"},{"speaker":"Speaker 1","startTime":223.121,"endTime":223.121,"body":" "},{"speaker":"Speaker 1","startTime":223.141,"endTime":223.262,"body":"then"},{"speaker":"Speaker 1","startTime":223.262,"endTime":223.262,"body":" "},{"speaker":"Speaker 1","startTime":223.342,"endTime":223.643,"body":"inside"},{"speaker":"Speaker 1","startTime":223.643,"endTime":223.643,"body":" "},{"speaker":"Speaker 1","startTime":223.683,"endTime":223.803,"body":"that"},{"speaker":"Speaker 1","startTime":223.803,"endTime":223.803,"body":" "},{"speaker":"Speaker 1","startTime":223.863,"endTime":224.244,"body":"structure"},{"speaker":"Speaker 1","startTime":224.244,"endTime":224.244,"body":" "},{"speaker":"Speaker 1","startTime":224.305,"endTime":224.405,"body":"you"},{"speaker":"Speaker 1","startTime":224.405,"endTime":224.405,"body":" "},{"speaker":"Speaker 1","startTime":224.425,"endTime":224.545,"body":"could"},{"speaker":"Speaker 1","startTime":224.545,"endTime":224.545,"body":" "},{"speaker":"Speaker 1","startTime":224.565,"endTime":224.666,"body":"be"},{"speaker":"Speaker 1","startTime":224.666,"endTime":224.666,"body":" "},{"speaker":"Speaker 1","startTime":224.726,"endTime":225.227,"body":"passive"},{"speaker":"Speaker 1","startTime":225.227,"endTime":225.227,"body":" "},{"speaker":"Speaker 1","startTime":225.588,"endTime":225.668,"body":"or"},{"speaker":"Speaker 1","startTime":225.668,"endTime":225.668,"body":" "},{"speaker":"Speaker 1","startTime":225.688,"endTime":225.769,"body":"you"},{"speaker":"Speaker 1","startTime":225.769,"endTime":225.769,"body":" "},{"speaker":"Speaker 1","startTime":225.789,"endTime":225.909,"body":"could"},{"speaker":"Speaker 1","startTime":225.909,"endTime":225.909,"body":" "},{"speaker":"Speaker 1","startTime":225.929,"endTime":226.009,"body":"be"},{"speaker":"Speaker 1","startTime":226.009,"endTime":226.009,"body":" "},{"speaker":"Speaker 1","startTime":226.17,"endTime":226.47,"body":"active"},{"speaker":"Speaker 1","startTime":226.47,"endTime":226.47,"body":" "},{"speaker":"Speaker 1","startTime":226.731,"endTime":227.273,"body":"and"},{"speaker":"Speaker 1","startTime":227.273,"endTime":227.273,"body":" "},{"speaker":"Speaker 1","startTime":227.293,"endTime":227.513,"body":"right"},{"speaker":"Speaker 1","startTime":227.513,"endTime":227.513,"body":" "},{"speaker":"Speaker 1","startTime":227.774,"endTime":227.974,"body":"right"},{"speaker":"Speaker 1","startTime":227.974,"endTime":227.974,"body":" "},{"speaker":"Speaker 1","startTime":228.035,"endTime":228.135,"body":"and"},{"speaker":"Speaker 1","startTime":228.135,"endTime":228.135,"body":" "},{"speaker":"Speaker 1","startTime":228.576,"endTime":228.696,"body":"I'd"},{"speaker":"Speaker 1","startTime":228.696,"endTime":228.696,"body":" "},{"speaker":"Speaker 1","startTime":228.716,"endTime":228.857,"body":"say"},{"speaker":"Speaker 1","startTime":228.857,"endTime":228.857,"body":" "},{"speaker":"Speaker 1","startTime":228.937,"endTime":229.198,"body":"active"},{"speaker":"Speaker 1","startTime":229.198,"endTime":229.198,"body":" "},{"speaker":"Speaker 1","startTime":229.298,"endTime":229.839,"body":"ETFs"},{"speaker":"Speaker 1","startTime":229.839,"endTime":229.839,"body":" "},{"speaker":"Speaker 1","startTime":229.92,"endTime":230.02,"body":"have"},{"speaker":"Speaker 1","startTime":230.02,"endTime":230.02,"body":" "},{"speaker":"Speaker 1","startTime":230.963,"endTime":231.184,"body":"Become"},{"speaker":"Speaker 1","startTime":231.184,"endTime":231.184,"body":" "},{"speaker":"Speaker 1","startTime":231.204,"endTime":231.324,"body":"more"},{"speaker":"Speaker 1","startTime":231.324,"endTime":231.324,"body":" "},{"speaker":"Speaker 1","startTime":231.384,"endTime":231.846,"body":"prominent"},{"speaker":"Speaker 1","startTime":231.846,"endTime":231.846,"body":" "},{"speaker":"Speaker 1","startTime":232.167,"endTime":232.428,"body":"over"},{"speaker":"Speaker 1","startTime":232.428,"endTime":232.428,"body":" "},{"speaker":"Speaker 1","startTime":232.709,"endTime":233.03,"body":"recent"},{"speaker":"Speaker 1","startTime":233.03,"endTime":233.03,"body":" "},{"speaker":"Speaker 1","startTime":233.07,"endTime":233.391,"body":"years"},{"speaker":"Speaker 1","startTime":233.391,"endTime":233.391,"body":"."},{"speaker":"Speaker 1","startTime":233.391,"endTime":233.391,"body":" "},{"speaker":"Speaker 1","startTime":233.391,"endTime":233.391,"body":"\n"},{"speaker":"Speaker 2","startTime":233.853,"endTime":234.013,"body":"But"},{"speaker":"Speaker 2","startTime":234.013,"endTime":234.013,"body":" "},{"speaker":"Speaker 2","startTime":234.615,"endTime":234.675,"body":"I"},{"speaker":"Speaker 2","startTime":234.675,"endTime":234.675,"body":" "},{"speaker":"Speaker 2","startTime":234.736,"endTime":234.936,"body":"say"},{"speaker":"Speaker 2","startTime":234.936,"endTime":234.936,"body":","},{"speaker":"Speaker 2","startTime":234.936,"endTime":234.936,"body":" "},{"speaker":"Speaker 2","startTime":235.117,"endTime":235.197,"body":"you"},{"speaker":"Speaker 2","startTime":235.197,"endTime":235.197,"body":" "},{"speaker":"Speaker 2","startTime":235.217,"endTime":235.318,"body":"know"},{"speaker":"Speaker 2","startTime":235.318,"endTime":235.318,"body":","},{"speaker":"Speaker 2","startTime":235.318,"endTime":235.318,"body":" "},{"speaker":"Speaker 2","startTime":235.338,"endTime":235.378,"body":"in"},{"speaker":"Speaker 2","startTime":235.378,"endTime":235.378,"body":" "},{"speaker":"Speaker 2","startTime":235.599,"endTime":235.879,"body":"today's"},{"speaker":"Speaker 2","startTime":235.879,"endTime":235.879,"body":" "},{"speaker":"Speaker 2","startTime":235.899,"endTime":236.04,"body":"world"},{"speaker":"Speaker 2","startTime":236.04,"endTime":236.04,"body":" "},{"speaker":"Speaker 2","startTime":236.341,"endTime":236.461,"body":"it's"},{"speaker":"Speaker 2","startTime":236.461,"endTime":236.461,"body":" "},{"speaker":"Speaker 2","startTime":236.722,"endTime":236.782,"body":"it"},{"speaker":"Speaker 2","startTime":236.782,"endTime":236.782,"body":" "},{"speaker":"Speaker 2","startTime":236.842,"endTime":236.943,"body":"is"},{"speaker":"Speaker 2","startTime":236.943,"endTime":236.943,"body":" "},{"speaker":"Speaker 2","startTime":237.364,"endTime":237.685,"body":"more"},{"speaker":"Speaker 2","startTime":237.685,"endTime":237.685,"body":" "},{"speaker":"Speaker 2","startTime":237.785,"endTime":238.287,"body":"dominated"},{"speaker":"Speaker 2","startTime":238.287,"endTime":238.287,"body":" "},{"speaker":"Speaker 2","startTime":238.347,"endTime":238.547,"body":"by"},{"speaker":"Speaker 2","startTime":238.547,"endTime":238.547,"body":" "},{"speaker":"Speaker 2","startTime":238.567,"endTime":238.588,"body":"a"},{"speaker":"Speaker 2","startTime":238.588,"endTime":238.588,"body":" "},{"speaker":"Speaker 2","startTime":238.949,"endTime":239.53,"body":"passive"},{"speaker":"Speaker 2","startTime":239.53,"endTime":239.53,"body":" "},{"speaker":"Speaker 2","startTime":239.992,"endTime":240.493,"body":"exposure"},{"speaker":"Speaker 2","startTime":240.493,"endTime":240.493,"body":" "},{"speaker":"Speaker 2","startTime":240.741,"endTime":240.982,"body":"Track"},{"speaker":"Speaker 2","startTime":240.982,"endTime":240.982,"body":" "},{"speaker":"Speaker 2","startTime":241.022,"endTime":241.102,"body":"and"},{"speaker":"Speaker 2","startTime":241.102,"endTime":241.102,"body":" "},{"speaker":"Speaker 2","startTime":241.142,"endTime":241.162,"body":"a"},{"speaker":"Speaker 2","startTime":241.162,"endTime":241.162,"body":" "},{"speaker":"Speaker 2","startTime":241.203,"endTime":241.725,"body":"benchmark"},{"speaker":"Speaker 2","startTime":241.725,"endTime":241.725,"body":" "},{"speaker":"Speaker 2","startTime":241.805,"endTime":241.885,"body":"our"},{"speaker":"Speaker 2","startTime":241.885,"endTime":241.885,"body":" "},{"speaker":"Speaker 2","startTime":241.986,"endTime":242.367,"body":"sector"},{"speaker":"Speaker 2","startTime":242.367,"endTime":242.367,"body":","},{"speaker":"Speaker 2","startTime":242.367,"endTime":242.367,"body":" "},{"speaker":"Speaker 2","startTime":243.141,"endTime":243.402,"body":"whether"},{"speaker":"Speaker 2","startTime":243.402,"endTime":243.402,"body":" "},{"speaker":"Speaker 2","startTime":243.483,"endTime":243.603,"body":"it's"},{"speaker":"Speaker 2","startTime":243.603,"endTime":243.603,"body":" "},{"speaker":"Speaker 2","startTime":244.326,"endTime":244.366,"body":"a"},{"speaker":"Speaker 2","startTime":244.366,"endTime":244.366,"body":" "},{"speaker":"Speaker 2","startTime":244.507,"endTime":244.768,"body":"US"},{"speaker":"Speaker 2","startTime":244.768,"endTime":244.768,"body":" "},{"speaker":"Speaker 2","startTime":244.828,"endTime":245.21,"body":"sector"},{"speaker":"Speaker 2","startTime":245.21,"endTime":245.21,"body":" "},{"speaker":"Speaker 2","startTime":245.35,"endTime":245.471,"body":"or"},{"speaker":"Speaker 2","startTime":245.471,"endTime":245.471,"body":" "},{"speaker":"Speaker 2","startTime":245.551,"endTime":246.193,"body":"international"},{"speaker":"Speaker 2","startTime":246.193,"endTime":246.193,"body":" "},{"speaker":"Speaker 2","startTime":246.234,"endTime":246.555,"body":"sector"},{"speaker":"Speaker 2","startTime":246.555,"endTime":246.555,"body":","},{"speaker":"Speaker 2","startTime":246.555,"endTime":246.555,"body":" "},{"speaker":"Speaker 2","startTime":246.615,"endTime":246.776,"body":"but"},{"speaker":"Speaker 2","startTime":246.776,"endTime":246.776,"body":" "},{"speaker":"Speaker 2","startTime":247.258,"endTime":247.318,"body":"our"},{"speaker":"Speaker 2","startTime":247.318,"endTime":247.318,"body":" "},{"speaker":"Speaker 2","startTime":247.398,"endTime":247.639,"body":"asset"},{"speaker":"Speaker 2","startTime":247.639,"endTime":247.639,"body":" "},{"speaker":"Speaker 2","startTime":247.659,"endTime":247.82,"body":"class"},{"speaker":"Speaker 2","startTime":247.82,"endTime":247.82,"body":" "},{"speaker":"Speaker 2","startTime":248.0,"endTime":248.161,"body":"but"},{"speaker":"Speaker 2","startTime":248.161,"endTime":248.161,"body":" "},{"speaker":"Speaker 2","startTime":248.722,"endTime":248.822,"body":"but"},{"speaker":"Speaker 2","startTime":248.822,"endTime":248.822,"body":" "},{"speaker":"Speaker 2","startTime":248.863,"endTime":248.963,"body":"yeah"},{"speaker":"Speaker 2","startTime":248.963,"endTime":248.963,"body":","},{"speaker":"Speaker 2","startTime":248.963,"endTime":248.963,"body":" "},{"speaker":"Speaker 2","startTime":249.003,"endTime":249.123,"body":"there"},{"speaker":"Speaker 2","startTime":249.123,"endTime":249.123,"body":" "},{"speaker":"Speaker 2","startTime":249.143,"endTime":249.244,"body":"are"},{"speaker":"Speaker 2","startTime":249.244,"endTime":249.244,"body":" "},{"speaker":"Speaker 2","startTime":249.284,"endTime":249.524,"body":"active"},{"speaker":"Speaker 2","startTime":249.524,"endTime":249.524,"body":" "},{"speaker":"Speaker 2","startTime":249.584,"endTime":249.885,"body":"ETFs"},{"speaker":"Speaker 2","startTime":249.885,"endTime":249.885,"body":" "},{"speaker":"Speaker 2","startTime":249.945,"endTime":250.026,"body":"out"},{"speaker":"Speaker 2","startTime":250.026,"endTime":250.026,"body":" "},{"speaker":"Speaker 2","startTime":250.046,"endTime":250.186,"body":"there"},{"speaker":"Speaker 2","startTime":250.186,"endTime":250.186,"body":" "},{"speaker":"Speaker 2","startTime":250.206,"endTime":250.346,"body":"that"},{"speaker":"Speaker 2","startTime":250.346,"endTime":250.346,"body":" "},{"speaker":"Speaker 2","startTime":250.366,"endTime":250.527,"body":"have"},{"speaker":"Speaker 2","startTime":250.527,"endTime":250.527,"body":" "},{"speaker":"Speaker 2","startTime":250.547,"endTime":250.667,"body":"like"},{"speaker":"Speaker 2","startTime":250.667,"endTime":250.667,"body":" "},{"speaker":"Speaker 2","startTime":250.707,"endTime":250.768,"body":"a"},{"speaker":"Speaker 2","startTime":250.768,"endTime":250.768,"body":" "},{"speaker":"Speaker 2","startTime":250.808,"endTime":251.088,"body":"slight"},{"speaker":"Speaker 2","startTime":251.088,"endTime":251.088,"body":" "},{"speaker":"Speaker 2","startTime":251.128,"endTime":251.529,"body":"management"},{"speaker":"Speaker 2","startTime":251.529,"endTime":251.529,"body":" "},{"speaker":"Speaker 2","startTime":251.61,"endTime":251.991,"body":"overlay"},{"speaker":"Speaker 2","startTime":251.991,"endTime":251.991,"body":" "},{"speaker":"Speaker 2","startTime":252.111,"endTime":252.191,"body":"and"},{"speaker":"Speaker 2","startTime":252.191,"endTime":252.191,"body":" "},{"speaker":"Speaker 2","startTime":252.251,"endTime":252.392,"body":"it's"},{"speaker":"Speaker 2","startTime":252.392,"endTime":252.392,"body":" "},{"speaker":"Speaker 2","startTime":252.452,"endTime":252.833,"body":"still"},{"speaker":"Speaker 2","startTime":252.833,"endTime":252.833,"body":" "},{"speaker":"Speaker 2","startTime":253.875,"endTime":253.956,"body":"in"},{"speaker":"Speaker 2","startTime":253.956,"endTime":253.956,"body":" "},{"speaker":"Speaker 2","startTime":253.976,"endTime":254.156,"body":"that"},{"speaker":"Speaker 2","startTime":254.156,"endTime":254.156,"body":" "},{"speaker":"Speaker 2","startTime":254.297,"endTime":254.738,"body":"efficient"},{"speaker":"Speaker 2","startTime":254.738,"endTime":254.738,"body":" "},{"speaker":"Speaker 2","startTime":254.778,"endTime":255.099,"body":"tax"},{"speaker":"Speaker 2","startTime":255.099,"endTime":255.099,"body":" "},{"speaker":"Speaker 2","startTime":255.48,"endTime":255.62,"body":"tax"},{"speaker":"Speaker 2","startTime":255.62,"endTime":255.62,"body":" "},{"speaker":"Speaker 2","startTime":256.542,"endTime":257.023,"body":"Format"},{"speaker":"Speaker 2","startTime":257.023,"endTime":257.023,"body":" "},{"speaker":"Speaker 2","startTime":257.403,"endTime":257.524,"body":"and"},{"speaker":"Speaker 2","startTime":257.524,"endTime":257.524,"body":" "},{"speaker":"Speaker 2","startTime":257.644,"endTime":257.764,"body":"it's"},{"speaker":"Speaker 2","startTime":257.764,"endTime":257.764,"body":" "},{"speaker":"Speaker 2","startTime":257.904,"endTime":258.305,"body":"also"},{"speaker":"Speaker 2","startTime":258.305,"endTime":258.305,"body":","},{"speaker":"Speaker 2","startTime":258.305,"endTime":258.305,"body":" "},{"speaker":"Speaker 2","startTime":258.866,"endTime":258.946,"body":"you"},{"speaker":"Speaker 2","startTime":258.946,"endTime":258.946,"body":" "},{"speaker":"Speaker 2","startTime":258.966,"endTime":259.067,"body":"know"},{"speaker":"Speaker 2","startTime":259.067,"endTime":259.067,"body":","},{"speaker":"Speaker 2","startTime":259.067,"endTime":259.067,"body":" "},{"speaker":"Speaker 2","startTime":259.127,"endTime":259.387,"body":"generally"},{"speaker":"Speaker 2","startTime":259.387,"endTime":259.387,"body":" "},{"speaker":"Speaker 2","startTime":259.407,"endTime":259.447,"body":"a"},{"speaker":"Speaker 2","startTime":259.447,"endTime":259.447,"body":" "},{"speaker":"Speaker 2","startTime":259.508,"endTime":259.708,"body":"lower"},{"speaker":"Speaker 2","startTime":259.708,"endTime":259.708,"body":" "},{"speaker":"Speaker 2","startTime":259.748,"endTime":260.109,"body":"cost"},{"speaker":"Speaker 2","startTime":260.109,"endTime":260.109,"body":" "},{"speaker":"Speaker 2","startTime":260.489,"endTime":260.57,"body":"to"},{"speaker":"Speaker 2","startTime":260.57,"endTime":260.57,"body":" "},{"speaker":"Speaker 2","startTime":260.59,"endTime":260.77,"body":"buy"},{"speaker":"Speaker 2","startTime":260.77,"endTime":260.77,"body":" "},{"speaker":"Speaker 2","startTime":261.231,"endTime":261.351,"body":"so"},{"speaker":"Speaker 2","startTime":261.351,"endTime":261.351,"body":" "},{"speaker":"Speaker 2","startTime":261.391,"endTime":261.531,"body":"then"},{"speaker":"Speaker 2","startTime":261.531,"endTime":261.531,"body":" "},{"speaker":"Speaker 2","startTime":261.672,"endTime":261.912,"body":"inside"},{"speaker":"Speaker 2","startTime":261.912,"endTime":261.912,"body":" "},{"speaker":"Speaker 2","startTime":261.932,"endTime":262.032,"body":"our"},{"speaker":"Speaker 2","startTime":262.032,"endTime":262.032,"body":" "},{"speaker":"Speaker 2","startTime":262.053,"endTime":262.353,"body":"brokerage"},{"speaker":"Speaker 2","startTime":262.353,"endTime":262.353,"body":" "},{"speaker":"Speaker 2","startTime":262.373,"endTime":262.814,"body":"accounts"},{"speaker":"Speaker 2","startTime":262.814,"endTime":262.814,"body":","},{"speaker":"Speaker 2","startTime":262.814,"endTime":262.814,"body":" "},{"speaker":"Speaker 2","startTime":263.362,"endTime":263.442,"body":"we"},{"speaker":"Speaker 2","startTime":263.442,"endTime":263.442,"body":" "},{"speaker":"Speaker 2","startTime":263.482,"endTime":263.623,"body":"can"},{"speaker":"Speaker 2","startTime":263.623,"endTime":263.623,"body":" "},{"speaker":"Speaker 2","startTime":263.683,"endTime":263.904,"body":"now"},{"speaker":"Speaker 2","startTime":263.904,"endTime":263.904,"body":" "},{"speaker":"Speaker 2","startTime":264.044,"endTime":264.345,"body":"run"},{"speaker":"Speaker 2","startTime":264.345,"endTime":264.345,"body":" "},{"speaker":"Speaker 2","startTime":264.446,"endTime":264.947,"body":"multiple"},{"speaker":"Speaker 2","startTime":264.947,"endTime":264.947,"body":" "},{"speaker":"Speaker 2","startTime":265.028,"endTime":265.489,"body":"models"},{"speaker":"Speaker 2","startTime":265.489,"endTime":265.489,"body":" "},{"speaker":"Speaker 2","startTime":266.321,"endTime":266.582,"body":"that"},{"speaker":"Speaker 2","startTime":266.582,"endTime":266.582,"body":" "},{"speaker":"Speaker 2","startTime":266.682,"endTime":267.023,"body":"allow"},{"speaker":"Speaker 2","startTime":267.023,"endTime":267.023,"body":" "},{"speaker":"Speaker 2","startTime":267.103,"endTime":267.203,"body":"us"},{"speaker":"Speaker 2","startTime":267.203,"endTime":267.203,"body":" "},{"speaker":"Speaker 2","startTime":267.263,"endTime":267.344,"body":"to"},{"speaker":"Speaker 2","startTime":267.344,"endTime":267.344,"body":" "},{"speaker":"Speaker 2","startTime":267.404,"endTime":267.604,"body":"move"},{"speaker":"Speaker 2","startTime":267.604,"endTime":267.604,"body":" "},{"speaker":"Speaker 2","startTime":267.644,"endTime":267.785,"body":"from"},{"speaker":"Speaker 2","startTime":267.785,"endTime":267.785,"body":" "},{"speaker":"Speaker 2","startTime":267.925,"endTime":268.005,"body":"one"},{"speaker":"Speaker 2","startTime":268.005,"endTime":268.005,"body":" "},{"speaker":"Speaker 2","startTime":268.065,"endTime":268.446,"body":"model"},{"speaker":"Speaker 2","startTime":268.446,"endTime":268.446,"body":" "},{"speaker":"Speaker 2","startTime":268.526,"endTime":268.647,"body":"to"},{"speaker":"Speaker 2","startTime":268.647,"endTime":268.647,"body":" "},{"speaker":"Speaker 2","startTime":268.687,"endTime":268.767,"body":"the"},{"speaker":"Speaker 2","startTime":268.767,"endTime":268.767,"body":" "},{"speaker":"Speaker 2","startTime":268.847,"endTime":269.008,"body":"other"},{"speaker":"Speaker 2","startTime":269.008,"endTime":269.008,"body":" "},{"speaker":"Speaker 2","startTime":269.048,"endTime":269.409,"body":"model"},{"speaker":"Speaker 2","startTime":269.409,"endTime":269.409,"body":" "},{"speaker":"Speaker 2","startTime":269.629,"endTime":269.75,"body":"with"},{"speaker":"Speaker 2","startTime":269.75,"endTime":269.75,"body":" "},{"speaker":"Speaker 2","startTime":269.79,"endTime":269.89,"body":"the"},{"speaker":"Speaker 2","startTime":269.89,"endTime":269.89,"body":" "},{"speaker":"Speaker 2","startTime":270.01,"endTime":270.251,"body":"same"},{"speaker":"Speaker 2","startTime":270.251,"endTime":270.251,"body":" "},{"speaker":"Speaker 2","startTime":270.391,"endTime":270.873,"body":"underlying"},{"speaker":"Speaker 2","startTime":270.873,"endTime":270.873,"body":" "},{"speaker":"Speaker 2","startTime":270.933,"endTime":271.394,"body":"holdings"},{"speaker":"Speaker 2","startTime":271.394,"endTime":271.394,"body":","},{"speaker":"Speaker 2","startTime":271.394,"endTime":271.394,"body":" "},{"speaker":"Speaker 2","startTime":271.474,"endTime":271.735,"body":"meaning"},{"speaker":"Speaker 2","startTime":271.735,"endTime":271.735,"body":" "},{"speaker":"Speaker 2","startTime":271.775,"endTime":271.955,"body":"that"},{"speaker":"Speaker 2","startTime":271.955,"endTime":271.955,"body":" "},{"speaker":"Speaker 2","startTime":272.336,"endTime":272.416,"body":"the"},{"speaker":"Speaker 2","startTime":272.416,"endTime":272.416,"body":" "},{"speaker":"Speaker 2","startTime":272.517,"endTime":272.817,"body":"S\u0026P"},{"speaker":"Speaker 2","startTime":272.817,"endTime":272.817,"body":" "},{"speaker":"Speaker 2","startTime":272.858,"endTime":273.259,"body":"500"},{"speaker":"Speaker 2","startTime":273.259,"endTime":273.259,"body":" "},{"speaker":"Speaker 2","startTime":273.279,"endTime":273.379,"body":"by"},{"speaker":"Speaker 2","startTime":273.379,"endTime":273.379,"body":" "},{"speaker":"Speaker 2","startTime":273.419,"endTime":273.78,"body":"Vanguard"},{"speaker":"Speaker 2","startTime":273.78,"endTime":273.78,"body":","},{"speaker":"Speaker 2","startTime":273.78,"endTime":273.78,"body":" "},{"speaker":"Speaker 2","startTime":274.021,"endTime":274.101,"body":"it's"},{"speaker":"Speaker 2","startTime":274.101,"endTime":274.101,"body":" "},{"speaker":"Speaker 2","startTime":274.121,"endTime":274.221,"body":"the"},{"speaker":"Speaker 2","startTime":274.221,"endTime":274.221,"body":" "},{"speaker":"Speaker 2","startTime":274.261,"endTime":274.582,"body":"same"},{"speaker":"Speaker 2","startTime":274.582,"endTime":274.582,"body":" "},{"speaker":"Speaker 2","startTime":274.742,"endTime":275.103,"body":"500"},{"speaker":"Speaker 2","startTime":275.103,"endTime":275.103,"body":" "},{"speaker":"Speaker 2","startTime":275.143,"endTime":275.544,"body":"stocks"},{"speaker":"Speaker 2","startTime":275.544,"endTime":275.544,"body":" "},{"speaker":"Speaker 2","startTime":275.805,"endTime":275.885,"body":"and"},{"speaker":"Speaker 2","startTime":275.885,"endTime":275.885,"body":" "},{"speaker":"Speaker 2","startTime":275.905,"endTime":275.965,"body":"the"},{"speaker":"Speaker 2","startTime":275.965,"endTime":275.965,"body":" "},{"speaker":"Speaker 2","startTime":276.086,"endTime":276.386,"body":"S\u0026P"},{"speaker":"Speaker 2","startTime":276.386,"endTime":276.386,"body":" "},{"speaker":"Speaker 2","startTime":276.426,"endTime":276.928,"body":"500"},{"speaker":"Speaker 2","startTime":276.928,"endTime":276.928,"body":" "},{"speaker":"Speaker 2","startTime":277.028,"endTime":277.268,"body":"by"},{"speaker":"Speaker 2","startTime":277.268,"endTime":277.268,"body":" "},{"speaker":"Speaker 2","startTime":277.329,"endTime":277.549,"body":"State"},{"speaker":"Speaker 2","startTime":277.549,"endTime":277.549,"body":" "},{"speaker":"Speaker 2","startTime":277.589,"endTime":277.87,"body":"Street"},{"speaker":"Speaker 2","startTime":277.87,"endTime":277.87,"body":" "},{"speaker":"Speaker 2","startTime":278.151,"endTime":278.211,"body":"or"},{"speaker":"Speaker 2","startTime":278.211,"endTime":278.211,"body":" "},{"speaker":"Speaker 2","startTime":278.251,"endTime":278.511,"body":"Black"},{"speaker":"Speaker 2","startTime":278.511,"endTime":278.511,"body":" "},{"speaker":"Speaker 2","startTime":278.572,"endTime":278.852,"body":"Rock"},{"speaker":"Speaker 2","startTime":278.852,"endTime":278.852,"body":" "},{"speaker":"Speaker 2","startTime":279.434,"endTime":279.494,"body":"or"},{"speaker":"Speaker 2","startTime":279.494,"endTime":279.494,"body":" "},{"speaker":"Speaker 2","startTime":280.243,"endTime":280.466,"body":"Insert"},{"speaker":"Speaker 2","startTime":280.466,"endTime":280.466,"body":" "},{"speaker":"Speaker 2","startTime":280.547,"endTime":280.83,"body":"company"},{"speaker":"Speaker 2","startTime":280.83,"endTime":280.83,"body":" "},{"speaker":"Speaker 2","startTime":280.87,"endTime":281.113,"body":"name"},{"speaker":"Speaker 2","startTime":281.113,"endTime":281.113,"body":","},{"speaker":"Speaker 2","startTime":281.113,"endTime":281.113,"body":" "},{"speaker":"Speaker 2","startTime":281.194,"endTime":281.416,"body":"right"},{"speaker":"Speaker 2","startTime":281.416,"endTime":281.416,"body":","},{"speaker":"Speaker 2","startTime":281.416,"endTime":281.416,"body":" "},{"speaker":"Speaker 2","startTime":281.599,"endTime":281.72,"body":"right"},{"speaker":"Speaker 2","startTime":281.72,"endTime":281.72,"body":"."},{"speaker":"Speaker 2","startTime":281.72,"endTime":281.72,"body":" "},{"speaker":"Speaker 2","startTime":281.72,"endTime":281.72,"body":"\n"},{"speaker":"Speaker 1","startTime":282.442,"endTime":282.562,"body":"So"},{"speaker":"Speaker 1","startTime":282.562,"endTime":282.562,"body":" "},{"speaker":"Speaker 1","startTime":282.582,"endTime":282.763,"body":"there's"},{"speaker":"Speaker 1","startTime":282.763,"endTime":282.763,"body":" "},{"speaker":"Speaker 1","startTime":282.803,"endTime":283.043,"body":"really"},{"speaker":"Speaker 1","startTime":283.043,"endTime":283.043,"body":" "},{"speaker":"Speaker 1","startTime":283.083,"endTime":283.244,"body":"what's"},{"speaker":"Speaker 1","startTime":283.244,"endTime":283.244,"body":" "},{"speaker":"Speaker 1","startTime":283.284,"endTime":283.504,"body":"really"},{"speaker":"Speaker 1","startTime":283.504,"endTime":283.504,"body":" "},{"speaker":"Speaker 1","startTime":283.544,"endTime":283.785,"body":"cool"},{"speaker":"Speaker 1","startTime":283.785,"endTime":283.785,"body":" "},{"speaker":"Speaker 1","startTime":283.825,"endTime":284.046,"body":"about"},{"speaker":"Speaker 1","startTime":284.046,"endTime":284.046,"body":" "},{"speaker":"Speaker 1","startTime":284.086,"endTime":284.266,"body":"that"},{"speaker":"Speaker 1","startTime":284.266,"endTime":284.266,"body":" "},{"speaker":"Speaker 1","startTime":284.326,"endTime":284.406,"body":"is"},{"speaker":"Speaker 1","startTime":284.406,"endTime":284.406,"body":" "},{"speaker":"Speaker 1","startTime":284.447,"endTime":284.567,"body":"when"},{"speaker":"Speaker 1","startTime":284.567,"endTime":284.567,"body":" "},{"speaker":"Speaker 1","startTime":284.587,"endTime":284.687,"body":"you"},{"speaker":"Speaker 1","startTime":284.687,"endTime":284.687,"body":" "},{"speaker":"Speaker 1","startTime":284.707,"endTime":284.848,"body":"have"},{"speaker":"Speaker 1","startTime":284.848,"endTime":284.848,"body":" "},{"speaker":"Speaker 1","startTime":284.888,"endTime":284.928,"body":"a"},{"speaker":"Speaker 1","startTime":284.928,"endTime":284.928,"body":" "},{"speaker":"Speaker 1","startTime":285.028,"endTime":285.309,"body":"year"},{"speaker":"Speaker 1","startTime":285.309,"endTime":285.309,"body":" "},{"speaker":"Speaker 1","startTime":285.349,"endTime":285.489,"body":"like"},{"speaker":"Speaker 1","startTime":285.489,"endTime":285.489,"body":" "},{"speaker":"Speaker 1","startTime":285.509,"endTime":286.492,"body":"2022"},{"speaker":"Speaker 1","startTime":286.492,"endTime":286.492,"body":","},{"speaker":"Speaker 1","startTime":286.492,"endTime":286.492,"body":" "},{"speaker":"Speaker 1","startTime":286.572,"endTime":286.712,"body":"where"},{"speaker":"Speaker 1","startTime":286.712,"endTime":286.712,"body":" "},{"speaker":"Speaker 1","startTime":286.752,"endTime":286.852,"body":"you"},{"speaker":"Speaker 1","startTime":286.852,"endTime":286.852,"body":" "},{"speaker":"Speaker 1","startTime":286.892,"endTime":287.033,"body":"have"},{"speaker":"Speaker 1","startTime":287.033,"endTime":287.033,"body":" "},{"speaker":"Speaker 1","startTime":287.053,"endTime":287.073,"body":"a"},{"speaker":"Speaker 1","startTime":287.073,"endTime":287.073,"body":" "},{"speaker":"Speaker 1","startTime":287.62,"endTime":288.082,"body":"significant"},{"speaker":"Speaker 1","startTime":288.082,"endTime":288.082,"body":" "},{"speaker":"Speaker 1","startTime":288.182,"endTime":288.483,"body":"loss"},{"speaker":"Speaker 1","startTime":288.483,"endTime":288.483,"body":" "},{"speaker":"Speaker 1","startTime":288.544,"endTime":288.604,"body":"in"},{"speaker":"Speaker 1","startTime":288.604,"endTime":288.604,"body":" "},{"speaker":"Speaker 1","startTime":288.624,"endTime":288.684,"body":"the"},{"speaker":"Speaker 1","startTime":288.684,"endTime":288.684,"body":" "},{"speaker":"Speaker 1","startTime":288.784,"endTime":289.065,"body":"S\u0026P"},{"speaker":"Speaker 1","startTime":289.065,"endTime":289.065,"body":" "},{"speaker":"Speaker 1","startTime":289.106,"endTime":289.487,"body":"500"},{"speaker":"Speaker 1","startTime":289.487,"endTime":289.487,"body":"."},{"speaker":"Speaker 1","startTime":289.487,"endTime":289.487,"body":" "},{"speaker":"Speaker 1","startTime":289.487,"endTime":289.487,"body":"\n"},{"speaker":"Speaker 1","startTime":289.587,"endTime":289.648,"body":"If"},{"speaker":"Speaker 1","startTime":289.648,"endTime":289.648,"body":" "},{"speaker":"Speaker 1","startTime":289.688,"endTime":289.808,"body":"you"},{"speaker":"Speaker 1","startTime":289.808,"endTime":289.808,"body":" "},{"speaker":"Speaker 1","startTime":289.888,"endTime":290.149,"body":"have"},{"speaker":"Speaker 1","startTime":290.149,"endTime":290.149,"body":" "},{"speaker":"Speaker 1","startTime":291.761,"endTime":291.822,"body":"a"},{"speaker":"Speaker 1","startTime":291.822,"endTime":291.822,"body":" "},{"speaker":"Speaker 1","startTime":291.882,"endTime":292.202,"body":"loss"},{"speaker":"Speaker 1","startTime":292.202,"endTime":292.202,"body":" "},{"speaker":"Speaker 1","startTime":292.263,"endTime":292.343,"body":"in"},{"speaker":"Speaker 1","startTime":292.343,"endTime":292.343,"body":" "},{"speaker":"Speaker 1","startTime":292.363,"endTime":292.443,"body":"the"},{"speaker":"Speaker 1","startTime":292.443,"endTime":292.443,"body":" "},{"speaker":"Speaker 1","startTime":292.503,"endTime":292.704,"body":"number"},{"speaker":"Speaker 1","startTime":292.704,"endTime":292.704,"body":" "},{"speaker":"Speaker 1","startTime":292.724,"endTime":292.764,"body":"of"},{"speaker":"Speaker 1","startTime":292.764,"endTime":292.764,"body":" "},{"speaker":"Speaker 1","startTime":292.844,"endTime":293.044,"body":"shit"},{"speaker":"Speaker 1","startTime":293.044,"endTime":293.044,"body":" "},{"speaker":"Speaker 1","startTime":293.104,"endTime":293.205,"body":"in"},{"speaker":"Speaker 1","startTime":293.205,"endTime":293.205,"body":" "},{"speaker":"Speaker 1","startTime":293.245,"endTime":293.405,"body":"the"},{"speaker":"Speaker 1","startTime":293.405,"endTime":293.405,"body":" "},{"speaker":"Speaker 1","startTime":293.646,"endTime":293.966,"body":"capital"},{"speaker":"Speaker 1","startTime":293.966,"endTime":293.966,"body":" "},{"speaker":"Speaker 1","startTime":293.986,"endTime":294.387,"body":"gains"},{"speaker":"Speaker 1","startTime":294.387,"endTime":294.387,"body":" "},{"speaker":"Speaker 1","startTime":294.508,"endTime":294.568,"body":"in"},{"speaker":"Speaker 1","startTime":294.568,"endTime":294.568,"body":" "},{"speaker":"Speaker 1","startTime":294.588,"endTime":294.708,"body":"your"},{"speaker":"Speaker 1","startTime":294.708,"endTime":294.708,"body":" "},{"speaker":"Speaker 1","startTime":294.748,"endTime":295.329,"body":"portfolio"},{"speaker":"Speaker 1","startTime":295.329,"endTime":295.329,"body":" "},{"speaker":"Speaker 1","startTime":295.63,"endTime":295.911,"body":"meaning"},{"speaker":"Speaker 1","startTime":295.911,"endTime":295.911,"body":" "},{"speaker":"Speaker 1","startTime":295.951,"endTime":296.051,"body":"the"},{"speaker":"Speaker 1","startTime":296.051,"endTime":296.051,"body":" "},{"speaker":"Speaker 1","startTime":296.111,"endTime":296.332,"body":"price"},{"speaker":"Speaker 1","startTime":296.332,"endTime":296.332,"body":" "},{"speaker":"Speaker 1","startTime":296.372,"endTime":296.492,"body":"you"},{"speaker":"Speaker 1","startTime":296.492,"endTime":296.492,"body":" "},{"speaker":"Speaker 1","startTime":296.552,"endTime":296.853,"body":"paid"},{"speaker":"Speaker 1","startTime":296.853,"endTime":296.853,"body":" "},{"speaker":"Speaker 1","startTime":296.973,"endTime":297.013,"body":"on"},{"speaker":"Speaker 1","startTime":297.013,"endTime":297.013,"body":" "},{"speaker":"Speaker 1","startTime":297.46,"endTime":297.821,"body":"December"},{"speaker":"Speaker 1","startTime":297.821,"endTime":297.821,"body":" "},{"speaker":"Speaker 1","startTime":298.222,"endTime":298.764,"body":"31st"},{"speaker":"Speaker 1","startTime":298.764,"endTime":298.764,"body":" "},{"speaker":"Speaker 1","startTime":298.804,"endTime":299.425,"body":"21"},{"speaker":"Speaker 1","startTime":299.425,"endTime":299.425,"body":" "},{"speaker":"Speaker 1","startTime":300.087,"endTime":300.167,"body":"is"},{"speaker":"Speaker 1","startTime":300.167,"endTime":300.167,"body":" "},{"speaker":"Speaker 1","startTime":300.227,"endTime":300.388,"body":"now"},{"speaker":"Speaker 1","startTime":300.388,"endTime":300.388,"body":" "},{"speaker":"Speaker 1","startTime":300.448,"endTime":300.628,"body":"much"},{"speaker":"Speaker 1","startTime":300.628,"endTime":300.628,"body":" "},{"speaker":"Speaker 1","startTime":300.749,"endTime":301.089,"body":"lower"},{"speaker":"Speaker 1","startTime":301.089,"endTime":301.089,"body":" "},{"speaker":"Speaker 1","startTime":301.15,"endTime":301.23,"body":"in"},{"speaker":"Speaker 1","startTime":301.23,"endTime":301.23,"body":" "},{"speaker":"Speaker 1","startTime":301.29,"endTime":301.691,"body":"July"},{"speaker":"Speaker 1","startTime":301.691,"endTime":301.691,"body":" "},{"speaker":"Speaker 1","startTime":301.711,"endTime":301.751,"body":"of"},{"speaker":"Speaker 1","startTime":301.751,"endTime":301.751,"body":" "},{"speaker":"Speaker 1","startTime":301.811,"endTime":302.353,"body":"22"},{"speaker":"Speaker 1","startTime":302.353,"endTime":302.353,"body":" "},{"speaker":"Speaker 1","startTime":303.001,"endTime":303.122,"body":"you"},{"speaker":"Speaker 1","startTime":303.122,"endTime":303.122,"body":" "},{"speaker":"Speaker 1","startTime":303.162,"endTime":303.302,"body":"can"},{"speaker":"Speaker 1","startTime":303.302,"endTime":303.302,"body":" "},{"speaker":"Speaker 1","startTime":303.443,"endTime":303.864,"body":"sell"},{"speaker":"Speaker 1","startTime":303.864,"endTime":303.864,"body":" "},{"speaker":"Speaker 1","startTime":304.105,"endTime":304.205,"body":"the"},{"speaker":"Speaker 1","startTime":304.205,"endTime":304.205,"body":" "},{"speaker":"Speaker 1","startTime":304.326,"endTime":304.647,"body":"S\u0026P"},{"speaker":"Speaker 1","startTime":304.647,"endTime":304.647,"body":" "},{"speaker":"Speaker 1","startTime":304.707,"endTime":305.228,"body":"500"},{"speaker":"Speaker 1","startTime":305.228,"endTime":305.228,"body":" "},{"speaker":"Speaker 1","startTime":305.329,"endTime":305.409,"body":"and"},{"speaker":"Speaker 1","startTime":305.409,"endTime":305.409,"body":" "},{"speaker":"Speaker 1","startTime":305.469,"endTime":305.69,"body":"buy"},{"speaker":"Speaker 1","startTime":305.69,"endTime":305.69,"body":" "},{"speaker":"Speaker 1","startTime":305.75,"endTime":305.79,"body":"a"},{"speaker":"Speaker 1","startTime":305.79,"endTime":305.79,"body":" "},{"speaker":"Speaker 1","startTime":305.87,"endTime":306.171,"body":"like"},{"speaker":"Speaker 1","startTime":306.171,"endTime":306.171,"body":" "},{"speaker":"Speaker 1","startTime":306.392,"endTime":306.914,"body":"ETF"},{"speaker":"Speaker 1","startTime":306.914,"endTime":306.914,"body":" "},{"speaker":"Speaker 1","startTime":307.034,"endTime":307.155,"body":"that"},{"speaker":"Speaker 1","startTime":307.155,"endTime":307.155,"body":" "},{"speaker":"Speaker 1","startTime":307.215,"endTime":307.375,"body":"has"},{"speaker":"Speaker 1","startTime":307.375,"endTime":307.375,"body":" "},{"speaker":"Speaker 1","startTime":307.456,"endTime":307.797,"body":"basically"},{"speaker":"Speaker 1","startTime":307.797,"endTime":307.797,"body":" "},{"speaker":"Speaker 1","startTime":307.817,"endTime":307.917,"body":"the"},{"speaker":"Speaker 1","startTime":307.917,"endTime":307.917,"body":" "},{"speaker":"Speaker 1","startTime":307.937,"endTime":308.118,"body":"same"},{"speaker":"Speaker 1","startTime":308.118,"endTime":308.118,"body":" "},{"speaker":"Speaker 1","startTime":308.158,"endTime":308.519,"body":"underlying"},{"speaker":"Speaker 1","startTime":308.519,"endTime":308.519,"body":" "},{"speaker":"Speaker 1","startTime":308.539,"endTime":308.82,"body":"holdings"},{"speaker":"Speaker 1","startTime":308.82,"endTime":308.82,"body":" "},{"speaker":"Speaker 1","startTime":309.383,"endTime":309.463,"body":"and"},{"speaker":"Speaker 1","startTime":309.463,"endTime":309.463,"body":" "},{"speaker":"Speaker 1","startTime":309.483,"endTime":309.564,"body":"you"},{"speaker":"Speaker 1","startTime":309.564,"endTime":309.564,"body":" "},{"speaker":"Speaker 1","startTime":309.584,"endTime":309.685,"body":"can"},{"speaker":"Speaker 1","startTime":309.685,"endTime":309.685,"body":" "},{"speaker":"Speaker 1","startTime":309.705,"endTime":309.866,"body":"get"},{"speaker":"Speaker 1","startTime":309.866,"endTime":309.866,"body":" "},{"speaker":"Speaker 1","startTime":310.147,"endTime":310.227,"body":"you"},{"speaker":"Speaker 1","startTime":310.227,"endTime":310.227,"body":" "},{"speaker":"Speaker 1","startTime":310.248,"endTime":310.368,"body":"can"},{"speaker":"Speaker 1","startTime":310.368,"endTime":310.368,"body":" "},{"speaker":"Speaker 1","startTime":310.408,"endTime":310.69,"body":"create"},{"speaker":"Speaker 1","startTime":310.69,"endTime":310.69,"body":" "},{"speaker":"Speaker 1","startTime":310.831,"endTime":310.891,"body":"a"},{"speaker":"Speaker 1","startTime":310.891,"endTime":310.891,"body":" "},{"speaker":"Speaker 1","startTime":311.354,"endTime":311.595,"body":"tax"},{"speaker":"Speaker 1","startTime":311.595,"endTime":311.595,"body":" "},{"speaker":"Speaker 1","startTime":311.615,"endTime":311.856,"body":"loss"},{"speaker":"Speaker 1","startTime":311.856,"endTime":311.856,"body":" "},{"speaker":"Speaker 1","startTime":312.419,"endTime":312.52,"body":"right"},{"speaker":"Speaker 1","startTime":312.52,"endTime":312.52,"body":" "},{"speaker":"Speaker 1","startTime":312.52,"endTime":312.701,"body":"Now"},{"speaker":"Speaker 1","startTime":312.701,"endTime":312.701,"body":","},{"speaker":"Speaker 1","startTime":312.701,"endTime":312.701,"body":" "},{"speaker":"Speaker 1","startTime":312.773,"endTime":312.833,"body":"the"},{"speaker":"Speaker 1","startTime":312.833,"endTime":312.833,"body":" "},{"speaker":"Speaker 1","startTime":312.906,"endTime":313.107,"body":"most"},{"speaker":"Speaker 1","startTime":313.107,"endTime":313.107,"body":" "},{"speaker":"Speaker 1","startTime":313.179,"endTime":313.259,"body":"you"},{"speaker":"Speaker 1","startTime":313.259,"endTime":313.259,"body":" "},{"speaker":"Speaker 1","startTime":313.332,"endTime":313.433,"body":"can"},{"speaker":"Speaker 1","startTime":313.433,"endTime":313.433,"body":" "},{"speaker":"Speaker 1","startTime":313.505,"endTime":313.826,"body":"deduct"},{"speaker":"Speaker 1","startTime":313.826,"endTime":313.826,"body":" "},{"speaker":"Speaker 1","startTime":313.898,"endTime":313.958,"body":"in"},{"speaker":"Speaker 1","startTime":313.958,"endTime":313.958,"body":" "},{"speaker":"Speaker 1","startTime":314.031,"endTime":314.111,"body":"one"},{"speaker":"Speaker 1","startTime":314.111,"endTime":314.111,"body":" "},{"speaker":"Speaker 1","startTime":314.183,"endTime":314.303,"body":"year"},{"speaker":"Speaker 1","startTime":314.303,"endTime":314.303,"body":" "},{"speaker":"Speaker 1","startTime":314.376,"endTime":314.436,"body":"is"},{"speaker":"Speaker 1","startTime":314.436,"endTime":314.436,"body":" "},{"speaker":"Speaker 1","startTime":314.508,"endTime":315.556,"body":"$3,000"},{"speaker":"Speaker 1","startTime":315.556,"endTime":315.556,"body":","},{"speaker":"Speaker 1","startTime":315.556,"endTime":315.556,"body":" "},{"speaker":"Speaker 1","startTime":315.628,"endTime":315.769,"body":"but"},{"speaker":"Speaker 1","startTime":315.769,"endTime":315.769,"body":" "},{"speaker":"Speaker 1","startTime":315.842,"endTime":315.922,"body":"it"},{"speaker":"Speaker 1","startTime":315.922,"endTime":315.922,"body":" "},{"speaker":"Speaker 1","startTime":315.994,"endTime":316.335,"body":"carries"},{"speaker":"Speaker 1","startTime":316.335,"endTime":316.335,"body":" "},{"speaker":"Speaker 1","startTime":316.408,"endTime":316.688,"body":"forward"},{"speaker":"Speaker 1","startTime":316.688,"endTime":316.688,"body":"."},{"speaker":"Speaker 1","startTime":316.688,"endTime":316.688,"body":" "},{"speaker":"Speaker 1","startTime":316.688,"endTime":316.688,"body":"\n"},{"speaker":"Speaker 1","startTime":316.908,"endTime":317.009,"body":"So"},{"speaker":"Speaker 1","startTime":317.009,"endTime":317.009,"body":" "},{"speaker":"Speaker 1","startTime":317.049,"endTime":317.089,"body":"if"},{"speaker":"Speaker 1","startTime":317.089,"endTime":317.089,"body":" "},{"speaker":"Speaker 1","startTime":317.129,"endTime":317.229,"body":"you"},{"speaker":"Speaker 1","startTime":317.229,"endTime":317.229,"body":" "},{"speaker":"Speaker 1","startTime":317.27,"endTime":317.832,"body":"generated"},{"speaker":"Speaker 1","startTime":317.832,"endTime":317.832,"body":" "},{"speaker":"Speaker 1","startTime":318.333,"endTime":318.614,"body":"six"},{"speaker":"Speaker 1","startTime":318.614,"endTime":318.614,"body":","},{"speaker":"Speaker 1","startTime":318.614,"endTime":318.614,"body":" "},{"speaker":"Speaker 1","startTime":318.675,"endTime":318.835,"body":"seven"},{"speaker":"Speaker 1","startTime":318.835,"endTime":318.835,"body":" "},{"speaker":"Speaker 1","startTime":318.855,"endTime":319.016,"body":"hundred"},{"speaker":"Speaker 1","startTime":319.016,"endTime":319.016,"body":" "},{"speaker":"Speaker 1","startTime":319.036,"endTime":319.317,"body":"thousand"},{"speaker":"Speaker 1","startTime":319.317,"endTime":319.317,"body":" "},{"speaker":"Speaker 1","startTime":319.357,"endTime":319.658,"body":"dollars"},{"speaker":"Speaker 1","startTime":319.658,"endTime":319.658,"body":" "},{"speaker":"Speaker 1","startTime":319.718,"endTime":319.799,"body":"in"},{"speaker":"Speaker 1","startTime":319.799,"endTime":319.799,"body":" "},{"speaker":"Speaker 1","startTime":319.839,"endTime":320.16,"body":"losses"},{"speaker":"Speaker 1","startTime":320.16,"endTime":320.16,"body":","},{"speaker":"Speaker 1","startTime":320.16,"endTime":320.16,"body":" "},{"speaker":"Speaker 1","startTime":320.441,"endTime":320.561,"body":"it's"},{"speaker":"Speaker 1","startTime":320.561,"endTime":320.561,"body":" "},{"speaker":"Speaker 1","startTime":320.762,"endTime":321.062,"body":"paper"},{"speaker":"Speaker 1","startTime":321.062,"endTime":321.062,"body":" "},{"speaker":"Speaker 1","startTime":321.123,"endTime":321.544,"body":"losses"},{"speaker":"Speaker 1","startTime":321.544,"endTime":321.544,"body":","},{"speaker":"Speaker 1","startTime":321.544,"endTime":321.544,"body":" "},{"speaker":"Speaker 1","startTime":322.005,"endTime":322.266,"body":"because"},{"speaker":"Speaker 1","startTime":322.266,"endTime":322.266,"body":" "},{"speaker":"Speaker 1","startTime":322.446,"endTime":322.547,"body":"the"},{"speaker":"Speaker 1","startTime":322.547,"endTime":322.547,"body":" "},{"speaker":"Speaker 1","startTime":322.587,"endTime":323.108,"body":"portfolio"},{"speaker":"Speaker 1","startTime":323.108,"endTime":323.108,"body":" "},{"speaker":"Speaker 1","startTime":323.148,"endTime":323.208,"body":"is"},{"speaker":"Speaker 1","startTime":323.208,"endTime":323.208,"body":" "},{"speaker":"Speaker 1","startTime":323.248,"endTime":323.349,"body":"no"},{"speaker":"Speaker 1","startTime":323.349,"endTime":323.349,"body":" "},{"speaker":"Speaker 1","startTime":323.409,"endTime":323.77,"body":"longer"},{"speaker":"Speaker 1","startTime":323.77,"endTime":323.77,"body":" "},{"speaker":"Speaker 1","startTime":324.031,"endTime":324.191,"body":"not"},{"speaker":"Speaker 1","startTime":324.191,"endTime":324.191,"body":" "},{"speaker":"Speaker 1","startTime":324.251,"endTime":324.713,"body":"invested"},{"speaker":"Speaker 1","startTime":324.713,"endTime":324.713,"body":","},{"speaker":"Speaker 1","startTime":324.713,"endTime":324.713,"body":" "},{"speaker":"Speaker 1","startTime":325.214,"endTime":325.314,"body":"it's"},{"speaker":"Speaker 1","startTime":325.314,"endTime":325.314,"body":" "},{"speaker":"Speaker 1","startTime":325.374,"endTime":325.615,"body":"just"},{"speaker":"Speaker 1","startTime":325.615,"endTime":325.615,"body":" "},{"speaker":"Speaker 1","startTime":325.796,"endTime":326.377,"body":"reinvested"},{"speaker":"Speaker 1","startTime":326.377,"endTime":326.377,"body":" "},{"speaker":"Speaker 1","startTime":326.437,"endTime":326.498,"body":"in"},{"speaker":"Speaker 1","startTime":326.498,"endTime":326.498,"body":" "},{"speaker":"Speaker 1","startTime":326.538,"endTime":326.798,"body":"something"},{"speaker":"Speaker 1","startTime":326.798,"endTime":326.798,"body":" "},{"speaker":"Speaker 1","startTime":326.818,"endTime":326.999,"body":"very"},{"speaker":"Speaker 1","startTime":326.999,"endTime":326.999,"body":" "},{"speaker":"Speaker 1","startTime":327.059,"endTime":327.32,"body":"similar"},{"speaker":"Speaker 1","startTime":327.32,"endTime":327.32,"body":"."},{"speaker":"Speaker 1","startTime":327.32,"endTime":327.32,"body":" "},{"speaker":"Speaker 1","startTime":328.326,"endTime":328.647,"body":"So"},{"speaker":"Speaker 1","startTime":328.647,"endTime":328.647,"body":" "},{"speaker":"Speaker 1","startTime":328.869,"endTime":329.01,"body":"the"},{"speaker":"Speaker 1","startTime":329.01,"endTime":329.01,"body":" "},{"speaker":"Speaker 1","startTime":329.17,"endTime":329.754,"body":"benefit"},{"speaker":"Speaker 1","startTime":329.754,"endTime":329.754,"body":" "},{"speaker":"Speaker 1","startTime":330.156,"endTime":330.377,"body":"right"},{"speaker":"Speaker 1","startTime":330.377,"endTime":330.377,"body":","},{"speaker":"Speaker 1","startTime":330.377,"endTime":330.377,"body":" "},{"speaker":"Speaker 1","startTime":331.061,"endTime":331.161,"body":"the"},{"speaker":"Speaker 1","startTime":331.161,"endTime":331.161,"body":" "},{"speaker":"Speaker 1","startTime":331.181,"endTime":331.502,"body":"benefit"},{"speaker":"Speaker 1","startTime":331.502,"endTime":331.502,"body":" "},{"speaker":"Speaker 1","startTime":331.562,"endTime":331.663,"body":"is"},{"speaker":"Speaker 1","startTime":331.663,"endTime":331.663,"body":" "},{"speaker":"Speaker 1","startTime":331.703,"endTime":331.823,"body":"you"},{"speaker":"Speaker 1","startTime":331.823,"endTime":331.823,"body":" "},{"speaker":"Speaker 1","startTime":331.863,"endTime":331.983,"body":"can"},{"speaker":"Speaker 1","startTime":331.983,"endTime":331.983,"body":" "},{"speaker":"Speaker 1","startTime":332.024,"endTime":332.345,"body":"create"},{"speaker":"Speaker 1","startTime":332.345,"endTime":332.345,"body":" "},{"speaker":"Speaker 1","startTime":332.405,"endTime":332.746,"body":"these"},{"speaker":"Speaker 1","startTime":332.746,"endTime":332.746,"body":" "},{"speaker":"Speaker 1","startTime":333.849,"endTime":334.13,"body":"tax"},{"speaker":"Speaker 1","startTime":334.13,"endTime":334.13,"body":" "},{"speaker":"Speaker 1","startTime":334.19,"endTime":334.511,"body":"losses"},{"speaker":"Speaker 1","startTime":334.511,"endTime":334.511,"body":" "},{"speaker":"Speaker 1","startTime":334.551,"endTime":334.631,"body":"to"},{"speaker":"Speaker 1","startTime":334.631,"endTime":334.631,"body":" "},{"speaker":"Speaker 1","startTime":334.692,"endTime":334.912,"body":"carry"},{"speaker":"Speaker 1","startTime":334.912,"endTime":334.912,"body":" "},{"speaker":"Speaker 1","startTime":334.972,"endTime":335.334,"body":"forward"},{"speaker":"Speaker 1","startTime":335.334,"endTime":335.334,"body":"."},{"speaker":"Speaker 1","startTime":335.334,"endTime":335.334,"body":" "},{"speaker":"Speaker 1","startTime":335.394,"endTime":335.574,"body":"So"},{"speaker":"Speaker 1","startTime":335.574,"endTime":335.574,"body":","},{"speaker":"Speaker 1","startTime":335.574,"endTime":335.574,"body":" "},{"speaker":"Speaker 1","startTime":335.996,"endTime":336.136,"body":"for"},{"speaker":"Speaker 1","startTime":336.136,"endTime":336.136,"body":" "},{"speaker":"Speaker 1","startTime":336.196,"endTime":336.678,"body":"example"},{"speaker":"Speaker 1","startTime":336.678,"endTime":336.678,"body":","},{"speaker":"Speaker 1","startTime":336.678,"endTime":336.678,"body":" "},{"speaker":"Speaker 1","startTime":336.698,"endTime":337.059,"body":"we"},{"speaker":"Speaker 1","startTime":337.059,"endTime":337.059,"body":" "},{"speaker":"Speaker 1","startTime":337.079,"endTime":337.279,"body":"have"},{"speaker":"Speaker 1","startTime":337.279,"endTime":337.279,"body":" "},{"speaker":"Speaker 1","startTime":337.34,"endTime":337.4,"body":"one"},{"speaker":"Speaker 1","startTime":337.4,"endTime":337.4,"body":" "},{"speaker":"Speaker 1","startTime":337.621,"endTime":337.922,"body":"family"},{"speaker":"Speaker 1","startTime":337.922,"endTime":337.922,"body":"."},{"speaker":"Speaker 1","startTime":337.922,"endTime":337.922,"body":" "},{"speaker":"Speaker 1","startTime":337.962,"endTime":338.043,"body":"We"},{"speaker":"Speaker 1","startTime":338.043,"endTime":338.043,"body":" "},{"speaker":"Speaker 1","startTime":338.083,"endTime":338.665,"body":"generated"},{"speaker":"Speaker 1","startTime":338.665,"endTime":338.665,"body":" "},{"speaker":"Speaker 1","startTime":338.846,"endTime":339.128,"body":"probably"},{"speaker":"Speaker 1","startTime":339.128,"endTime":339.128,"body":" "},{"speaker":"Speaker 1","startTime":339.148,"endTime":339.168,"body":"a"},{"speaker":"Speaker 1","startTime":339.168,"endTime":339.168,"body":" "},{"speaker":"Speaker 1","startTime":339.228,"endTime":339.389,"body":"half"},{"speaker":"Speaker 1","startTime":339.389,"endTime":339.389,"body":" "},{"speaker":"Speaker 1","startTime":339.429,"endTime":339.63,"body":"million"},{"speaker":"Speaker 1","startTime":339.63,"endTime":339.63,"body":" "},{"speaker":"Speaker 1","startTime":339.67,"endTime":339.951,"body":"dollars"},{"speaker":"Speaker 1","startTime":339.951,"endTime":339.951,"body":" "},{"speaker":"Speaker 1","startTime":340.012,"endTime":340.092,"body":"in"},{"speaker":"Speaker 1","startTime":340.092,"endTime":340.092,"body":" "},{"speaker":"Speaker 1","startTime":340.132,"endTime":340.554,"body":"losses"},{"speaker":"Speaker 1","startTime":340.554,"endTime":340.554,"body":"."},{"speaker":"Speaker 1","startTime":340.554,"endTime":340.554,"body":" "},{"speaker":"Speaker 1","startTime":340.976,"endTime":341.097,"body":"They"},{"speaker":"Speaker 1","startTime":341.097,"endTime":341.097,"body":" "},{"speaker":"Speaker 1","startTime":341.117,"endTime":341.217,"body":"have"},{"speaker":"Speaker 1","startTime":341.217,"endTime":341.217,"body":" "},{"speaker":"Speaker 1","startTime":341.478,"endTime":341.78,"body":"recovered"},{"speaker":"Speaker 1","startTime":341.78,"endTime":341.78,"body":" "},{"speaker":"Speaker 1","startTime":341.8,"endTime":341.86,"body":"all"},{"speaker":"Speaker 1","startTime":341.86,"endTime":341.86,"body":" "},{"speaker":"Speaker 1","startTime":342.0,"endTime":342.121,"body":"those"},{"speaker":"Speaker 1","startTime":342.121,"endTime":342.121,"body":" "},{"speaker":"Speaker 1","startTime":342.181,"endTime":342.581,"body":"losses"},{"speaker":"Speaker 1","startTime":342.581,"endTime":342.581,"body":","},{"speaker":"Speaker 1","startTime":342.581,"endTime":342.581,"body":" "},{"speaker":"Speaker 1","startTime":342.802,"endTime":342.962,"body":"just"},{"speaker":"Speaker 1","startTime":342.962,"endTime":342.962,"body":" "},{"speaker":"Speaker 1","startTime":343.002,"endTime":343.082,"body":"as"},{"speaker":"Speaker 1","startTime":343.082,"endTime":343.082,"body":" "},{"speaker":"Speaker 1","startTime":343.103,"endTime":343.183,"body":"if"},{"speaker":"Speaker 1","startTime":343.183,"endTime":343.183,"body":" "},{"speaker":"Speaker 1","startTime":343.203,"endTime":343.303,"body":"they"},{"speaker":"Speaker 1","startTime":343.303,"endTime":343.303,"body":" "},{"speaker":"Speaker 1","startTime":343.323,"endTime":343.403,"body":"had"},{"speaker":"Speaker 1","startTime":343.403,"endTime":343.403,"body":" "},{"speaker":"Speaker 1","startTime":343.463,"endTime":343.664,"body":"never"},{"speaker":"Speaker 1","startTime":343.664,"endTime":343.664,"body":" "},{"speaker":"Speaker 1","startTime":343.724,"endTime":343.964,"body":"sold"},{"speaker":"Speaker 1","startTime":343.964,"endTime":343.964,"body":" "},{"speaker":"Speaker 1","startTime":344.024,"endTime":344.085,"body":"it"},{"speaker":"Speaker 1","startTime":344.085,"endTime":344.085,"body":" "},{"speaker":"Speaker 1","startTime":344.926,"endTime":344.986,"body":"in"},{"speaker":"Speaker 1","startTime":344.986,"endTime":344.986,"body":" "},{"speaker":"Speaker 1","startTime":345.006,"endTime":345.127,"body":"their"},{"speaker":"Speaker 1","startTime":345.127,"endTime":345.127,"body":" "},{"speaker":"Speaker 1","startTime":345.167,"endTime":345.648,"body":"portfolio"},{"speaker":"Speaker 1","startTime":345.648,"endTime":345.648,"body":" "},{"speaker":"Speaker 1","startTime":345.688,"endTime":345.808,"body":"from"},{"speaker":"Speaker 1","startTime":345.808,"endTime":345.808,"body":" "},{"speaker":"Speaker 1","startTime":345.848,"endTime":346.309,"body":"22"},{"speaker":"Speaker 1","startTime":346.309,"endTime":346.309,"body":"."},{"speaker":"Speaker 1","startTime":346.309,"endTime":346.309,"body":" "},{"speaker":"Speaker 1","startTime":347.131,"endTime":347.311,"body":"And"},{"speaker":"Speaker 1","startTime":347.311,"endTime":347.311,"body":" "},{"speaker":"Speaker 1","startTime":348.013,"endTime":348.233,"body":"they're"},{"speaker":"Speaker 1","startTime":348.233,"endTime":348.233,"body":" "},{"speaker":"Speaker 1","startTime":348.253,"endTime":348.594,"body":"selling"},{"speaker":"Speaker 1","startTime":348.594,"endTime":348.594,"body":" "},{"speaker":"Speaker 1","startTime":348.814,"endTime":348.834,"body":"a"},{"speaker":"Speaker 1","startTime":348.834,"endTime":348.834,"body":" "},{"speaker":"Speaker 1","startTime":349.821,"endTime":350.202,"body":"commercial"},{"speaker":"Speaker 1","startTime":350.202,"endTime":350.202,"body":" "},{"speaker":"Speaker 1","startTime":350.243,"endTime":350.544,"body":"building"},{"speaker":"Speaker 1","startTime":350.544,"endTime":350.544,"body":" "},{"speaker":"Speaker 1","startTime":350.705,"endTime":350.765,"body":"in"},{"speaker":"Speaker 1","startTime":350.765,"endTime":350.765,"body":" "},{"speaker":"Speaker 1","startTime":350.785,"endTime":350.865,"body":"the"},{"speaker":"Speaker 1","startTime":350.865,"endTime":350.865,"body":" "},{"speaker":"Speaker 1","startTime":350.885,"endTime":351.187,"body":"future"},{"speaker":"Speaker 1","startTime":351.187,"endTime":351.187,"body":"."},{"speaker":"Speaker 1","startTime":351.187,"endTime":351.187,"body":" "},{"speaker":"Speaker 1","startTime":351.729,"endTime":351.829,"body":"So"},{"speaker":"Speaker 1","startTime":351.829,"endTime":351.829,"body":" "},{"speaker":"Speaker 1","startTime":351.849,"endTime":352.372,"body":"when"},{"speaker":"Speaker 1","startTime":352.372,"endTime":352.372,"body":" "},{"speaker":"Speaker 1","startTime":352.392,"endTime":352.512,"body":"they"},{"speaker":"Speaker 1","startTime":352.512,"endTime":352.512,"body":" "},{"speaker":"Speaker 1","startTime":352.532,"endTime":352.673,"body":"sell"},{"speaker":"Speaker 1","startTime":352.673,"endTime":352.673,"body":" "},{"speaker":"Speaker 1","startTime":352.713,"endTime":352.814,"body":"that"},{"speaker":"Speaker 1","startTime":352.814,"endTime":352.814,"body":" "},{"speaker":"Speaker 1","startTime":352.854,"endTime":353.175,"body":"commercial"},{"speaker":"Speaker 1","startTime":353.175,"endTime":353.175,"body":" "},{"speaker":"Speaker 1","startTime":353.215,"endTime":353.557,"body":"building"},{"speaker":"Speaker 1","startTime":353.557,"endTime":353.557,"body":" "},{"speaker":"Speaker 1","startTime":353.637,"endTime":353.818,"body":"for"},{"speaker":"Speaker 1","startTime":353.818,"endTime":353.818,"body":","},{"speaker":"Speaker 1","startTime":353.818,"endTime":353.818,"body":" "},{"speaker":"Speaker 1","startTime":353.838,"endTime":354.139,"body":"let's"},{"speaker":"Speaker 1","startTime":354.139,"endTime":354.139,"body":" "},{"speaker":"Speaker 1","startTime":354.159,"endTime":354.219,"body":"say"},{"speaker":"Speaker 1","startTime":354.219,"endTime":354.219,"body":","},{"speaker":"Speaker 1","startTime":354.219,"endTime":354.219,"body":" "},{"speaker":"Speaker 1","startTime":354.24,"endTime":354.32,"body":"it's"},{"speaker":"Speaker 1","startTime":354.32,"endTime":354.32,"body":" "},{"speaker":"Speaker 1","startTime":354.46,"endTime":354.501,"body":"a"},{"speaker":"Speaker 1","startTime":354.501,"endTime":354.501,"body":" "},{"speaker":"Speaker 1","startTime":354.541,"endTime":354.782,"body":"million"},{"speaker":"Speaker 1","startTime":354.782,"endTime":354.782,"body":" "},{"speaker":"Speaker 1","startTime":354.802,"endTime":355.063,"body":"dollar"},{"speaker":"Speaker 1","startTime":355.063,"endTime":355.063,"body":" "},{"speaker":"Speaker 1","startTime":355.144,"endTime":355.445,"body":"capo"},{"speaker":"Speaker 1","startTime":355.445,"endTime":355.445,"body":" "},{"speaker":"Speaker 1","startTime":355.465,"endTime":355.706,"body":"gain"},{"speaker":"Speaker 1","startTime":355.706,"endTime":355.706,"body":","},{"speaker":"Speaker 1","startTime":355.706,"endTime":355.706,"body":" "},{"speaker":"Speaker 1","startTime":356.269,"endTime":356.369,"body":"we"},{"speaker":"Speaker 1","startTime":356.369,"endTime":356.369,"body":" "},{"speaker":"Speaker 1","startTime":356.429,"endTime":356.57,"body":"now"},{"speaker":"Speaker 1","startTime":356.57,"endTime":356.57,"body":" "},{"speaker":"Speaker 1","startTime":356.63,"endTime":356.751,"body":"have"},{"speaker":"Speaker 1","startTime":356.751,"endTime":356.751,"body":" "},{"speaker":"Speaker 1","startTime":356.771,"endTime":356.891,"body":"that"},{"speaker":"Speaker 1","startTime":356.891,"endTime":356.891,"body":" "},{"speaker":"Speaker 1","startTime":356.972,"endTime":357.173,"body":"half"},{"speaker":"Speaker 1","startTime":357.173,"endTime":357.173,"body":" "},{"speaker":"Speaker 1","startTime":357.213,"endTime":357.414,"body":"million"},{"speaker":"Speaker 1","startTime":357.414,"endTime":357.414,"body":" "},{"speaker":"Speaker 1","startTime":357.454,"endTime":357.655,"body":"dollar"},{"speaker":"Speaker 1","startTime":357.655,"endTime":357.655,"body":" "},{"speaker":"Speaker 1","startTime":357.715,"endTime":358.036,"body":"credit"},{"speaker":"Speaker 1","startTime":358.036,"endTime":358.036,"body":" "},{"speaker":"Speaker 1","startTime":358.077,"endTime":358.318,"body":"sitting"},{"speaker":"Speaker 1","startTime":358.318,"endTime":358.318,"body":" "},{"speaker":"Speaker 1","startTime":358.338,"endTime":358.478,"body":"there"},{"speaker":"Speaker 1","startTime":358.478,"endTime":358.478,"body":" "},{"speaker":"Speaker 1","startTime":358.499,"endTime":358.74,"body":"waiting"},{"speaker":"Speaker 1","startTime":358.74,"endTime":358.74,"body":" "},{"speaker":"Speaker 1","startTime":358.76,"endTime":358.82,"body":"for"},{"speaker":"Speaker 1","startTime":358.82,"endTime":358.82,"body":" "},{"speaker":"Speaker 1","startTime":358.98,"endTime":359.121,"body":"them"},{"speaker":"Speaker 1","startTime":359.121,"endTime":359.121,"body":","},{"speaker":"Speaker 1","startTime":359.121,"endTime":359.121,"body":" "},{"speaker":"Speaker 1","startTime":359.882,"endTime":359.982,"body":"so"},{"speaker":"Speaker 1","startTime":359.982,"endTime":359.982,"body":" "},{"speaker":"Speaker 1","startTime":360.023,"endTime":360.103,"body":"they"},{"speaker":"Speaker 1","startTime":360.103,"endTime":360.103,"body":" "},{"speaker":"Speaker 1","startTime":360.143,"endTime":360.283,"body":"don't"},{"speaker":"Speaker 1","startTime":360.283,"endTime":360.283,"body":" "},{"speaker":"Speaker 1","startTime":360.323,"endTime":360.443,"body":"have"},{"speaker":"Speaker 1","startTime":360.443,"endTime":360.443,"body":" "},{"speaker":"Speaker 1","startTime":360.463,"endTime":360.524,"body":"to"},{"speaker":"Speaker 1","startTime":360.524,"endTime":360.524,"body":" "},{"speaker":"Speaker 1","startTime":360.564,"endTime":360.684,"body":"pay"},{"speaker":"Speaker 1","startTime":360.684,"endTime":360.684,"body":" "},{"speaker":"Speaker 1","startTime":360.724,"endTime":360.784,"body":"as"},{"speaker":"Speaker 1","startTime":360.784,"endTime":360.784,"body":" "},{"speaker":"Speaker 1","startTime":360.844,"endTime":361.005,"body":"much"},{"speaker":"Speaker 1","startTime":361.005,"endTime":361.005,"body":" "},{"speaker":"Speaker 1","startTime":361.065,"endTime":361.165,"body":"in"},{"speaker":"Speaker 1","startTime":361.165,"endTime":361.165,"body":" "},{"speaker":"Speaker 1","startTime":361.506,"endTime":361.766,"body":"capo"},{"speaker":"Speaker 1","startTime":361.766,"endTime":361.766,"body":" "},{"speaker":"Speaker 1","startTime":361.786,"endTime":362.007,"body":"gains"},{"speaker":"Speaker 1","startTime":362.007,"endTime":362.007,"body":" "},{"speaker":"Speaker 1","startTime":362.027,"endTime":362.287,"body":"tax"},{"speaker":"Speaker 1","startTime":362.287,"endTime":362.287,"body":"."},{"speaker":"Speaker 1","startTime":362.287,"endTime":362.287,"body":" "},{"speaker":"Speaker 1","startTime":362.307,"endTime":362.448,"body":"So"},{"speaker":"Speaker 1","startTime":362.448,"endTime":362.448,"body":" "},{"speaker":"Speaker 1","startTime":362.909,"endTime":363.269,"body":"for"},{"speaker":"Speaker 1","startTime":363.269,"endTime":363.269,"body":" "},{"speaker":"Speaker 1","startTime":364.191,"endTime":364.392,"body":"more"},{"speaker":"Speaker 1","startTime":364.392,"endTime":364.392,"body":" "},{"speaker":"Speaker 1","startTime":364.492,"endTime":364.793,"body":"fluid"},{"speaker":"Speaker 1","startTime":364.793,"endTime":364.793,"body":" "},{"speaker":"Speaker 1","startTime":364.833,"endTime":365.314,"body":"investors"},{"speaker":"Speaker 1","startTime":365.314,"endTime":365.314,"body":","},{"speaker":"Speaker 1","startTime":365.314,"endTime":365.314,"body":" "},{"speaker":"Speaker 1","startTime":366.32,"endTime":366.461,"body":"the"},{"speaker":"Speaker 1","startTime":366.461,"endTime":366.461,"body":" "},{"speaker":"Speaker 1","startTime":366.481,"endTime":366.802,"body":"ETF"},{"speaker":"Speaker 1","startTime":366.802,"endTime":366.802,"body":" "},{"speaker":"Speaker 1","startTime":366.822,"endTime":367.202,"body":"structure"},{"speaker":"Speaker 1","startTime":367.202,"endTime":367.202,"body":" "},{"speaker":"Speaker 1","startTime":367.804,"endTime":368.185,"body":"enabled"},{"speaker":"Speaker 1","startTime":368.185,"endTime":368.185,"body":" "},{"speaker":"Speaker 1","startTime":368.225,"endTime":368.405,"body":"that"},{"speaker":"Speaker 1","startTime":368.405,"endTime":368.405,"body":" "},{"speaker":"Speaker 1","startTime":368.485,"endTime":368.565,"body":"to"},{"speaker":"Speaker 1","startTime":368.565,"endTime":368.565,"body":" "},{"speaker":"Speaker 1","startTime":368.646,"endTime":368.986,"body":"happen"},{"speaker":"Speaker 1","startTime":368.986,"endTime":368.986,"body":" "},{"speaker":"Speaker 1","startTime":369.848,"endTime":370.249,"body":"Now"},{"speaker":"Speaker 1","startTime":370.249,"endTime":370.249,"body":"."},{"speaker":"Speaker 1","startTime":370.249,"endTime":370.249,"body":" "},{"speaker":"Speaker 1","startTime":370.249,"endTime":370.249,"body":"\n"},{"speaker":"Speaker 3","startTime":371.011,"endTime":371.392,"body":"Now"},{"speaker":"Speaker 3","startTime":371.392,"endTime":371.392,"body":" "},{"speaker":"Speaker 3","startTime":372.735,"endTime":372.935,"body":"let's"},{"speaker":"Speaker 3","startTime":372.935,"endTime":372.935,"body":" "},{"speaker":"Speaker 3","startTime":372.975,"endTime":373.136,"body":"take"},{"speaker":"Speaker 3","startTime":373.136,"endTime":373.136,"body":" "},{"speaker":"Speaker 3","startTime":373.196,"endTime":373.236,"body":"it"},{"speaker":"Speaker 3","startTime":373.236,"endTime":373.236,"body":" "},{"speaker":"Speaker 3","startTime":373.517,"endTime":373.617,"body":"one"},{"speaker":"Speaker 3","startTime":373.617,"endTime":373.617,"body":" "},{"speaker":"Speaker 3","startTime":373.657,"endTime":373.917,"body":"step"},{"speaker":"Speaker 3","startTime":373.917,"endTime":373.917,"body":" "},{"speaker":"Speaker 3","startTime":373.978,"endTime":374.338,"body":"further"},{"speaker":"Speaker 3","startTime":374.338,"endTime":374.338,"body":"."},{"speaker":"Speaker 3","startTime":374.338,"endTime":374.338,"body":" "},{"speaker":"Speaker 3","startTime":374.338,"endTime":374.338,"body":"\n"},{"speaker":"Speaker 1","startTime":374.759,"endTime":374.9,"body":"That"},{"speaker":"Speaker 1","startTime":374.9,"endTime":374.9,"body":" "},{"speaker":"Speaker 1","startTime":374.92,"endTime":374.98,"body":"was"},{"speaker":"Speaker 1","startTime":374.98,"endTime":374.98,"body":" "},{"speaker":"Speaker 1","startTime":375.0,"endTime":375.06,"body":"the"},{"speaker":"Speaker 1","startTime":375.06,"endTime":375.06,"body":" "},{"speaker":"Speaker 1","startTime":375.16,"endTime":375.602,"body":"past"},{"speaker":"Speaker 1","startTime":375.602,"endTime":375.602,"body":"."},{"speaker":"Speaker 1","startTime":375.602,"endTime":375.602,"body":" "},{"speaker":"Speaker 1","startTime":376.143,"endTime":376.344,"body":"Let's"},{"speaker":"Speaker 1","startTime":376.344,"endTime":376.344,"body":" "},{"speaker":"Speaker 1","startTime":376.364,"endTime":376.504,"body":"take"},{"speaker":"Speaker 1","startTime":376.504,"endTime":376.504,"body":" "},{"speaker":"Speaker 1","startTime":376.544,"endTime":376.584,"body":"it"},{"speaker":"Speaker 1","startTime":376.584,"endTime":376.584,"body":" "},{"speaker":"Speaker 1","startTime":376.745,"endTime":376.845,"body":"one"},{"speaker":"Speaker 1","startTime":376.845,"endTime":376.845,"body":" "},{"speaker":"Speaker 1","startTime":376.905,"endTime":377.146,"body":"step"},{"speaker":"Speaker 1","startTime":377.146,"endTime":377.146,"body":" "},{"speaker":"Speaker 1","startTime":377.226,"endTime":377.587,"body":"further"},{"speaker":"Speaker 1","startTime":377.587,"endTime":377.587,"body":" "},{"speaker":"Speaker 1","startTime":377.648,"endTime":377.728,"body":"and"},{"speaker":"Speaker 1","startTime":377.728,"endTime":377.728,"body":" "},{"speaker":"Speaker 1","startTime":377.948,"endTime":378.309,"body":"enter"},{"speaker":"Speaker 1","startTime":378.309,"endTime":378.309,"body":" "},{"speaker":"Speaker 1","startTime":378.891,"endTime":379.232,"body":"direct"},{"speaker":"Speaker 1","startTime":379.232,"endTime":379.232,"body":" "},{"speaker":"Speaker 1","startTime":379.353,"endTime":379.874,"body":"indexing"},{"speaker":"Speaker 1","startTime":379.874,"endTime":379.874,"body":"."},{"speaker":"Speaker 1","startTime":379.874,"endTime":379.874,"body":" "},{"speaker":"Speaker 1","startTime":379.934,"endTime":380.115,"body":"Now"},{"speaker":"Speaker 1","startTime":380.115,"endTime":380.115,"body":","},{"speaker":"Speaker 1","startTime":380.115,"endTime":380.115,"body":" "},{"speaker":"Speaker 1","startTime":380.656,"endTime":380.897,"body":"direct"},{"speaker":"Speaker 1","startTime":380.897,"endTime":380.897,"body":" "},{"speaker":"Speaker 1","startTime":380.937,"endTime":381.338,"body":"indexing"},{"speaker":"Speaker 1","startTime":381.338,"endTime":381.338,"body":" "},{"speaker":"Speaker 1","startTime":381.379,"endTime":381.479,"body":"and"},{"speaker":"Speaker 1","startTime":381.479,"endTime":381.479,"body":" "},{"speaker":"Speaker 1","startTime":381.539,"endTime":381.86,"body":"custom"},{"speaker":"Speaker 1","startTime":381.86,"endTime":381.86,"body":" "},{"speaker":"Speaker 1","startTime":381.98,"endTime":382.622,"body":"indexing"},{"speaker":"Speaker 1","startTime":382.622,"endTime":382.622,"body":" "},{"speaker":"Speaker 1","startTime":382.723,"endTime":382.763,"body":"I"},{"speaker":"Speaker 1","startTime":382.763,"endTime":382.763,"body":" "},{"speaker":"Speaker 1","startTime":382.783,"endTime":382.903,"body":"think"},{"speaker":"Speaker 1","startTime":382.903,"endTime":382.903,"body":" "},{"speaker":"Speaker 1","startTime":382.943,"endTime":383.084,"body":"they"},{"speaker":"Speaker 1","startTime":383.084,"endTime":383.084,"body":" "},{"speaker":"Speaker 1","startTime":383.104,"endTime":383.204,"body":"get"},{"speaker":"Speaker 1","startTime":383.204,"endTime":383.204,"body":" "},{"speaker":"Speaker 1","startTime":383.224,"endTime":383.385,"body":"kind"},{"speaker":"Speaker 1","startTime":383.385,"endTime":383.385,"body":" "},{"speaker":"Speaker 1","startTime":383.425,"endTime":383.485,"body":"of"},{"speaker":"Speaker 1","startTime":383.485,"endTime":383.485,"body":" "},{"speaker":"Speaker 1","startTime":383.666,"endTime":383.966,"body":"used"},{"speaker":"Speaker 1","startTime":383.966,"endTime":383.966,"body":" "},{"speaker":"Speaker 1","startTime":384.408,"endTime":385.11,"body":"interchangeably"},{"speaker":"Speaker 1","startTime":385.11,"endTime":385.11,"body":","},{"speaker":"Speaker 1","startTime":385.11,"endTime":385.11,"body":" "},{"speaker":"Speaker 1","startTime":385.13,"endTime":386.254,"body":"yeah"},{"speaker":"Speaker 1","startTime":386.254,"endTime":386.254,"body":" "},{"speaker":"Speaker 1","startTime":386.314,"endTime":386.916,"body":"personalize"},{"speaker":"Speaker 1","startTime":386.916,"endTime":386.916,"body":" "},{"speaker":"Speaker 1","startTime":386.976,"endTime":387.096,"body":"and"},{"speaker":"Speaker 1","startTime":387.096,"endTime":387.096,"body":" "},{"speaker":"Speaker 1","startTime":387.236,"endTime":387.517,"body":"index"},{"speaker":"Speaker 1","startTime":387.517,"endTime":387.517,"body":" "},{"speaker":"Speaker 1","startTime":387.578,"endTime":387.718,"body":"and"},{"speaker":"Speaker 1","startTime":387.718,"endTime":387.718,"body":" "},{"speaker":"Speaker 1","startTime":387.738,"endTime":388.019,"body":"custom"},{"speaker":"Speaker 1","startTime":388.019,"endTime":388.019,"body":" "},{"speaker":"Speaker 1","startTime":388.039,"endTime":388.32,"body":"indexing"},{"speaker":"Speaker 1","startTime":388.32,"endTime":388.32,"body":","},{"speaker":"Speaker 1","startTime":388.32,"endTime":388.32,"body":" "},{"speaker":"Speaker 1","startTime":388.521,"endTime":388.621,"body":"but"},{"speaker":"Speaker 1","startTime":388.621,"endTime":388.621,"body":" "},{"speaker":"Speaker 1","startTime":388.661,"endTime":388.882,"body":"yeah"},{"speaker":"Speaker 1","startTime":388.882,"endTime":388.882,"body":","},{"speaker":"Speaker 1","startTime":388.882,"endTime":388.882,"body":" "},{"speaker":"Speaker 1","startTime":389.203,"endTime":389.965,"body":"it's"},{"speaker":"Speaker 1","startTime":389.965,"endTime":389.965,"body":" "},{"speaker":"Speaker 1","startTime":390.066,"endTime":390.146,"body":"and"},{"speaker":"Speaker 1","startTime":390.146,"endTime":390.146,"body":" "},{"speaker":"Speaker 1","startTime":390.166,"endTime":390.307,"body":"then"},{"speaker":"Speaker 1","startTime":390.307,"endTime":390.307,"body":" "},{"speaker":"Speaker 1","startTime":390.347,"endTime":390.387,"body":"a"},{"speaker":"Speaker 1","startTime":390.387,"endTime":390.387,"body":" "},{"speaker":"Speaker 1","startTime":390.427,"endTime":390.587,"body":"lot"},{"speaker":"Speaker 1","startTime":390.587,"endTime":390.587,"body":" "},{"speaker":"Speaker 1","startTime":390.608,"endTime":390.668,"body":"of"},{"speaker":"Speaker 1","startTime":390.668,"endTime":390.668,"body":" "},{"speaker":"Speaker 1","startTime":390.688,"endTime":390.748,"body":"the"},{"speaker":"Speaker 1","startTime":390.748,"endTime":390.748,"body":" "},{"speaker":"Speaker 1","startTime":390.848,"endTime":391.25,"body":"origins"},{"speaker":"Speaker 1","startTime":391.25,"endTime":391.25,"body":" "},{"speaker":"Speaker 1","startTime":391.33,"endTime":391.491,"body":"was"},{"speaker":"Speaker 1","startTime":391.491,"endTime":391.491,"body":" "},{"speaker":"Speaker 1","startTime":391.571,"endTime":391.832,"body":"for"},{"speaker":"Speaker 1","startTime":391.832,"endTime":391.832,"body":" "},{"speaker":"Speaker 1","startTime":392.253,"endTime":392.353,"body":"to"},{"speaker":"Speaker 1","startTime":392.353,"endTime":392.353,"body":" "},{"speaker":"Speaker 1","startTime":392.414,"endTime":392.634,"body":"build"},{"speaker":"Speaker 1","startTime":392.634,"endTime":392.634,"body":" "},{"speaker":"Speaker 1","startTime":392.654,"endTime":392.775,"body":"your"},{"speaker":"Speaker 1","startTime":392.775,"endTime":392.775,"body":" "},{"speaker":"Speaker 1","startTime":392.815,"endTime":392.935,"body":"own"},{"speaker":"Speaker 1","startTime":392.935,"endTime":392.935,"body":" "},{"speaker":"Speaker 1","startTime":392.995,"endTime":393.477,"body":"index"},{"speaker":"Speaker 1","startTime":393.477,"endTime":393.477,"body":" "},{"speaker":"Speaker 1","startTime":393.497,"endTime":393.638,"body":"that"},{"speaker":"Speaker 1","startTime":393.638,"endTime":393.638,"body":" "},{"speaker":"Speaker 1","startTime":393.658,"endTime":393.818,"body":"could"},{"speaker":"Speaker 1","startTime":393.818,"endTime":393.818,"body":" "},{"speaker":"Speaker 1","startTime":393.858,"endTime":394.32,"body":"exclude"},{"speaker":"Speaker 1","startTime":394.32,"endTime":394.32,"body":" "},{"speaker":"Speaker 1","startTime":394.5,"endTime":394.761,"body":"certain"},{"speaker":"Speaker 1","startTime":394.761,"endTime":394.761,"body":","},{"speaker":"Speaker 1","startTime":394.761,"endTime":394.761,"body":" "},{"speaker":"Speaker 1","startTime":395.122,"endTime":395.382,"body":"certain"},{"speaker":"Speaker 1","startTime":395.382,"endTime":395.382,"body":" "},{"speaker":"Speaker 1","startTime":395.422,"endTime":395.843,"body":"companies"},{"speaker":"Speaker 1","startTime":395.843,"endTime":395.843,"body":"."},{"speaker":"Speaker 1","startTime":395.843,"endTime":395.843,"body":" "},{"speaker":"Speaker 1","startTime":396.284,"endTime":396.545,"body":"Right"},{"speaker":"Speaker 1","startTime":396.545,"endTime":396.545,"body":" "},{"speaker":"Speaker 1","startTime":396.605,"endTime":396.725,"body":"was"},{"speaker":"Speaker 1","startTime":396.725,"endTime":396.725,"body":" "},{"speaker":"Speaker 1","startTime":396.745,"endTime":396.866,"body":"the"},{"speaker":"Speaker 1","startTime":396.866,"endTime":396.866,"body":" "},{"speaker":"Speaker 1","startTime":396.926,"endTime":397.246,"body":"idea"},{"speaker":"Speaker 1","startTime":397.246,"endTime":397.246,"body":"."},{"speaker":"Speaker 1","startTime":397.246,"endTime":397.246,"body":" "},{"speaker":"Speaker 1","startTime":397.246,"endTime":397.246,"body":"\n"},{"speaker":"Speaker 2","startTime":398.148,"endTime":398.329,"body":"Yeah"},{"speaker":"Speaker 2","startTime":398.329,"endTime":398.329,"body":","},{"speaker":"Speaker 2","startTime":398.329,"endTime":398.329,"body":" "},{"speaker":"Speaker 2","startTime":398.349,"endTime":398.389,"body":"I"},{"speaker":"Speaker 2","startTime":398.389,"endTime":398.389,"body":" "},{"speaker":"Speaker 2","startTime":398.429,"endTime":398.569,"body":"think"},{"speaker":"Speaker 2","startTime":398.569,"endTime":398.569,"body":" "},{"speaker":"Speaker 2","startTime":398.629,"endTime":399.05,"body":"originally"},{"speaker":"Speaker 2","startTime":399.05,"endTime":399.05,"body":" "},{"speaker":"Speaker 2","startTime":399.151,"endTime":399.211,"body":"it"},{"speaker":"Speaker 2","startTime":399.211,"endTime":399.211,"body":" "},{"speaker":"Speaker 2","startTime":399.251,"endTime":399.351,"body":"was"},{"speaker":"Speaker 2","startTime":399.351,"endTime":399.351,"body":" "},{"speaker":"Speaker 2","startTime":399.431,"endTime":399.632,"body":"built"},{"speaker":"Speaker 2","startTime":399.632,"endTime":399.632,"body":" "},{"speaker":"Speaker 2","startTime":399.672,"endTime":399.852,"body":"more"},{"speaker":"Speaker 2","startTime":399.852,"endTime":399.852,"body":" "},{"speaker":"Speaker 2","startTime":399.872,"endTime":400.153,"body":"around"},{"speaker":"Speaker 2","startTime":400.153,"endTime":400.153,"body":" "},{"speaker":"Speaker 2","startTime":400.6,"endTime":401.402,"body":"customization"},{"speaker":"Speaker 2","startTime":401.402,"endTime":401.402,"body":" "},{"speaker":"Speaker 2","startTime":401.924,"endTime":402.084,"body":"and"},{"speaker":"Speaker 2","startTime":402.084,"endTime":402.084,"body":","},{"speaker":"Speaker 2","startTime":402.084,"endTime":402.084,"body":" "},{"speaker":"Speaker 2","startTime":402.686,"endTime":402.746,"body":"you"},{"speaker":"Speaker 2","startTime":402.746,"endTime":402.746,"body":" "},{"speaker":"Speaker 2","startTime":402.766,"endTime":402.906,"body":"know"},{"speaker":"Speaker 2","startTime":402.906,"endTime":402.906,"body":","},{"speaker":"Speaker 2","startTime":402.906,"endTime":402.906,"body":" "},{"speaker":"Speaker 2","startTime":402.926,"endTime":403.147,"body":"while"},{"speaker":"Speaker 2","startTime":403.147,"endTime":403.147,"body":" "},{"speaker":"Speaker 2","startTime":403.167,"endTime":403.347,"body":"there"},{"speaker":"Speaker 2","startTime":403.347,"endTime":403.347,"body":" "},{"speaker":"Speaker 2","startTime":403.508,"endTime":403.648,"body":"are"},{"speaker":"Speaker 2","startTime":403.648,"endTime":403.648,"body":" "},{"speaker":"Speaker 2","startTime":405.914,"endTime":406.455,"body":"sponsors"},{"speaker":"Speaker 2","startTime":406.455,"endTime":406.455,"body":" "},{"speaker":"Speaker 2","startTime":406.535,"endTime":406.616,"body":"or"},{"speaker":"Speaker 2","startTime":406.616,"endTime":406.616,"body":" "},{"speaker":"Speaker 2","startTime":406.696,"endTime":406.977,"body":"firms"},{"speaker":"Speaker 2","startTime":406.977,"endTime":406.977,"body":" "},{"speaker":"Speaker 2","startTime":407.117,"endTime":407.438,"body":"offering"},{"speaker":"Speaker 2","startTime":407.438,"endTime":407.438,"body":" "},{"speaker":"Speaker 2","startTime":407.458,"endTime":407.678,"body":"that"},{"speaker":"Speaker 2","startTime":407.678,"endTime":407.678,"body":" "},{"speaker":"Speaker 2","startTime":407.819,"endTime":408.139,"body":"aspect"},{"speaker":"Speaker 2","startTime":408.139,"endTime":408.139,"body":" "},{"speaker":"Speaker 2","startTime":408.18,"endTime":408.26,"body":"of"},{"speaker":"Speaker 2","startTime":408.26,"endTime":408.26,"body":" "},{"speaker":"Speaker 2","startTime":408.28,"endTime":408.32,"body":"it"},{"speaker":"Speaker 2","startTime":408.32,"endTime":408.32,"body":","},{"speaker":"Speaker 2","startTime":408.32,"endTime":408.32,"body":" "},{"speaker":"Speaker 2","startTime":408.982,"endTime":409.062,"body":"it"},{"speaker":"Speaker 2","startTime":409.062,"endTime":409.062,"body":" "},{"speaker":"Speaker 2","startTime":409.082,"endTime":409.383,"body":"generally"},{"speaker":"Speaker 2","startTime":409.383,"endTime":409.383,"body":" "},{"speaker":"Speaker 2","startTime":409.423,"endTime":409.484,"body":"is"},{"speaker":"Speaker 2","startTime":409.484,"endTime":409.484,"body":" "},{"speaker":"Speaker 2","startTime":409.604,"endTime":409.765,"body":"used"},{"speaker":"Speaker 2","startTime":409.765,"endTime":409.765,"body":" "},{"speaker":"Speaker 2","startTime":409.825,"endTime":409.965,"body":"to"},{"speaker":"Speaker 2","startTime":409.965,"endTime":409.965,"body":" "},{"speaker":"Speaker 2","startTime":410.045,"endTime":410.487,"body":"track"},{"speaker":"Speaker 2","startTime":410.487,"endTime":410.487,"body":" "},{"speaker":"Speaker 2","startTime":410.868,"endTime":410.928,"body":"a"},{"speaker":"Speaker 2","startTime":410.928,"endTime":410.928,"body":" "},{"speaker":"Speaker 2","startTime":411.129,"endTime":411.41,"body":"broader"},{"speaker":"Speaker 2","startTime":411.41,"endTime":411.41,"body":" "},{"speaker":"Speaker 2","startTime":411.43,"endTime":411.791,"body":"market"},{"speaker":"Speaker 2","startTime":411.791,"endTime":411.791,"body":" "},{"speaker":"Speaker 2","startTime":412.373,"endTime":412.433,"body":"and"},{"speaker":"Speaker 2","startTime":412.433,"endTime":412.433,"body":" "},{"speaker":"Speaker 2","startTime":412.453,"endTime":412.513,"body":"to"},{"speaker":"Speaker 2","startTime":412.513,"endTime":412.513,"body":" "},{"speaker":"Speaker 2","startTime":412.553,"endTime":412.674,"body":"see"},{"speaker":"Speaker 2","startTime":412.674,"endTime":412.674,"body":" "},{"speaker":"Speaker 2","startTime":412.694,"endTime":412.794,"body":"like"},{"speaker":"Speaker 2","startTime":412.794,"endTime":412.794,"body":" "},{"speaker":"Speaker 2","startTime":412.814,"endTime":412.894,"body":"the"},{"speaker":"Speaker 2","startTime":412.894,"endTime":412.894,"body":" "},{"speaker":"Speaker 2","startTime":413.015,"endTime":413.215,"body":"S\u0026P"},{"speaker":"Speaker 2","startTime":413.215,"endTime":413.215,"body":" "},{"speaker":"Speaker 2","startTime":413.235,"endTime":413.637,"body":"500"},{"speaker":"Speaker 2","startTime":413.637,"endTime":413.637,"body":" "},{"speaker":"Speaker 2","startTime":413.817,"endTime":413.918,"body":"or"},{"speaker":"Speaker 2","startTime":413.918,"endTime":413.918,"body":" "},{"speaker":"Speaker 2","startTime":413.958,"endTime":414.259,"body":"Russell"},{"speaker":"Speaker 2","startTime":414.259,"endTime":414.259,"body":" "},{"speaker":"Speaker 2","startTime":414.319,"endTime":414.64,"body":"1000"},{"speaker":"Speaker 2","startTime":414.64,"endTime":414.64,"body":"."},{"speaker":"Speaker 2","startTime":414.64,"endTime":414.64,"body":" "},{"speaker":"Speaker 2","startTime":414.64,"endTime":414.64,"body":"\n"},{"speaker":"Speaker 1","startTime":415.882,"endTime":416.102,"body":"So"},{"speaker":"Speaker 1","startTime":416.102,"endTime":416.102,"body":" "},{"speaker":"Speaker 1","startTime":416.803,"endTime":417.063,"body":"why"},{"speaker":"Speaker 1","startTime":417.063,"endTime":417.063,"body":" "},{"speaker":"Speaker 1","startTime":417.103,"endTime":417.264,"body":"would"},{"speaker":"Speaker 1","startTime":417.264,"endTime":417.264,"body":" "},{"speaker":"Speaker 1","startTime":417.304,"endTime":417.424,"body":"we"},{"speaker":"Speaker 1","startTime":417.424,"endTime":417.424,"body":" "},{"speaker":"Speaker 1","startTime":417.484,"endTime":417.664,"body":"give"},{"speaker":"Speaker 1","startTime":417.664,"endTime":417.664,"body":" "},{"speaker":"Speaker 1","startTime":417.784,"endTime":417.884,"body":"up"},{"speaker":"Speaker 1","startTime":417.884,"endTime":417.884,"body":" "},{"speaker":"Speaker 1","startTime":418.025,"endTime":418.706,"body":"ETFs"},{"speaker":"Speaker 1","startTime":418.706,"endTime":418.706,"body":" "},{"speaker":"Speaker 1","startTime":419.106,"endTime":419.607,"body":"for"},{"speaker":"Speaker 1","startTime":419.607,"endTime":419.607,"body":" "},{"speaker":"Speaker 1","startTime":419.787,"endTime":420.108,"body":"direct"},{"speaker":"Speaker 1","startTime":420.108,"endTime":420.108,"body":" "},{"speaker":"Speaker 1","startTime":420.168,"endTime":420.608,"body":"indexing"},{"speaker":"Speaker 1","startTime":420.608,"endTime":420.608,"body":"?"},{"speaker":"Speaker 1","startTime":420.608,"endTime":420.608,"body":" "},{"speaker":"Speaker 1","startTime":420.608,"endTime":420.608,"body":"\n"},{"speaker":"Speaker 2","startTime":422.23,"endTime":422.351,"body":"Good"},{"speaker":"Speaker 2","startTime":422.351,"endTime":422.351,"body":" "},{"speaker":"Speaker 2","startTime":422.391,"endTime":422.751,"body":"question"},{"speaker":"Speaker 2","startTime":422.751,"endTime":422.751,"body":"."},{"speaker":"Speaker 2","startTime":422.751,"endTime":422.751,"body":" "},{"speaker":"Speaker 2","startTime":423.732,"endTime":424.033,"body":"So"},{"speaker":"Speaker 2","startTime":424.033,"endTime":424.033,"body":","},{"speaker":"Speaker 2","startTime":424.033,"endTime":424.033,"body":" "},{"speaker":"Speaker 2","startTime":424.674,"endTime":424.754,"body":"as"},{"speaker":"Speaker 2","startTime":424.754,"endTime":424.754,"body":" "},{"speaker":"Speaker 2","startTime":424.794,"endTime":424.894,"body":"you"},{"speaker":"Speaker 2","startTime":424.894,"endTime":424.894,"body":" "},{"speaker":"Speaker 2","startTime":424.934,"endTime":425.455,"body":"mentioned"},{"speaker":"Speaker 2","startTime":425.455,"endTime":425.455,"body":","},{"speaker":"Speaker 2","startTime":425.455,"endTime":425.455,"body":" "},{"speaker":"Speaker 2","startTime":425.855,"endTime":426.056,"body":"there"},{"speaker":"Speaker 2","startTime":426.056,"endTime":426.056,"body":" "},{"speaker":"Speaker 2","startTime":426.236,"endTime":426.356,"body":"are"},{"speaker":"Speaker 2","startTime":426.356,"endTime":426.356,"body":" "},{"speaker":"Speaker 2","startTime":427.34,"endTime":427.741,"body":"ETFs"},{"speaker":"Speaker 2","startTime":427.741,"endTime":427.741,"body":","},{"speaker":"Speaker 2","startTime":427.741,"endTime":427.741,"body":" "},{"speaker":"Speaker 2","startTime":427.821,"endTime":427.922,"body":"are"},{"speaker":"Speaker 2","startTime":427.922,"endTime":427.922,"body":" "},{"speaker":"Speaker 2","startTime":427.982,"endTime":428.182,"body":"very"},{"speaker":"Speaker 2","startTime":428.182,"endTime":428.182,"body":" "},{"speaker":"Speaker 2","startTime":428.262,"endTime":428.543,"body":"tax"},{"speaker":"Speaker 2","startTime":428.543,"endTime":428.543,"body":" "},{"speaker":"Speaker 2","startTime":428.603,"endTime":429.084,"body":"efficient"},{"speaker":"Speaker 2","startTime":429.084,"endTime":429.084,"body":" "},{"speaker":"Speaker 2","startTime":429.244,"endTime":429.345,"body":"and"},{"speaker":"Speaker 2","startTime":429.345,"endTime":429.345,"body":" "},{"speaker":"Speaker 2","startTime":429.405,"endTime":429.505,"body":"you"},{"speaker":"Speaker 2","startTime":429.505,"endTime":429.505,"body":" "},{"speaker":"Speaker 2","startTime":429.565,"endTime":429.745,"body":"can"},{"speaker":"Speaker 2","startTime":429.745,"endTime":429.745,"body":" "},{"speaker":"Speaker 2","startTime":430.086,"endTime":430.206,"body":"do"},{"speaker":"Speaker 2","startTime":430.206,"endTime":430.206,"body":" "},{"speaker":"Speaker 2","startTime":430.246,"endTime":430.467,"body":"tax"},{"speaker":"Speaker 2","startTime":430.467,"endTime":430.467,"body":" "},{"speaker":"Speaker 2","startTime":430.487,"endTime":430.687,"body":"loss"},{"speaker":"Speaker 2","startTime":430.687,"endTime":430.687,"body":" "},{"speaker":"Speaker 2","startTime":430.727,"endTime":431.268,"body":"harvesting"},{"speaker":"Speaker 2","startTime":431.268,"endTime":431.268,"body":" "},{"speaker":"Speaker 2","startTime":432.07,"endTime":432.972,"body":"and"},{"speaker":"Speaker 2","startTime":432.972,"endTime":432.972,"body":","},{"speaker":"Speaker 2","startTime":432.972,"endTime":432.972,"body":" "},{"speaker":"Speaker 2","startTime":433.072,"endTime":433.152,"body":"you"},{"speaker":"Speaker 2","startTime":433.152,"endTime":433.152,"body":" "},{"speaker":"Speaker 2","startTime":433.172,"endTime":433.333,"body":"know"},{"speaker":"Speaker 2","startTime":433.333,"endTime":433.333,"body":","},{"speaker":"Speaker 2","startTime":433.333,"endTime":433.333,"body":" "},{"speaker":"Speaker 2","startTime":433.453,"endTime":433.714,"body":"lower"},{"speaker":"Speaker 2","startTime":433.714,"endTime":433.714,"body":" "},{"speaker":"Speaker 2","startTime":433.734,"endTime":433.894,"body":"your"},{"speaker":"Speaker 2","startTime":433.894,"endTime":433.894,"body":" "},{"speaker":"Speaker 2","startTime":435.52,"endTime":435.741,"body":"tax"},{"speaker":"Speaker 2","startTime":435.741,"endTime":435.741,"body":" "},{"speaker":"Speaker 2","startTime":435.801,"endTime":436.222,"body":"liability"},{"speaker":"Speaker 2","startTime":436.222,"endTime":436.222,"body":" "},{"speaker":"Speaker 2","startTime":436.262,"endTime":436.423,"body":"over"},{"speaker":"Speaker 2","startTime":436.423,"endTime":436.423,"body":" "},{"speaker":"Speaker 2","startTime":436.463,"endTime":436.803,"body":"time"},{"speaker":"Speaker 2","startTime":436.803,"endTime":436.803,"body":"."},{"speaker":"Speaker 2","startTime":436.803,"endTime":436.803,"body":" "},{"speaker":"Speaker 2","startTime":437.305,"endTime":437.826,"body":"However"},{"speaker":"Speaker 2","startTime":437.826,"endTime":437.826,"body":","},{"speaker":"Speaker 2","startTime":437.826,"endTime":437.826,"body":" "},{"speaker":"Speaker 2","startTime":440.071,"endTime":440.152,"body":"you"},{"speaker":"Speaker 2","startTime":440.152,"endTime":440.152,"body":" "},{"speaker":"Speaker 2","startTime":440.172,"endTime":440.312,"body":"know"},{"speaker":"Speaker 2","startTime":440.312,"endTime":440.312,"body":" "},{"speaker":"Speaker 2","startTime":440.332,"endTime":440.974,"body":"the"},{"speaker":"Speaker 2","startTime":440.974,"endTime":440.974,"body":" "},{"speaker":"Speaker 2","startTime":440.994,"endTime":441.234,"body":"direct"},{"speaker":"Speaker 2","startTime":441.234,"endTime":441.234,"body":" "},{"speaker":"Speaker 2","startTime":441.294,"endTime":441.916,"body":"indexing"},{"speaker":"Speaker 2","startTime":441.916,"endTime":441.916,"body":"."},{"speaker":"Speaker 2","startTime":441.916,"endTime":441.916,"body":" "},{"speaker":"Speaker 2","startTime":442.036,"endTime":442.176,"body":"You"},{"speaker":"Speaker 2","startTime":442.176,"endTime":442.176,"body":" "},{"speaker":"Speaker 2","startTime":442.257,"endTime":442.357,"body":"are"},{"speaker":"Speaker 2","startTime":442.357,"endTime":442.357,"body":" "},{"speaker":"Speaker 2","startTime":442.457,"endTime":442.918,"body":"directly"},{"speaker":"Speaker 2","startTime":442.918,"endTime":442.918,"body":" "},{"speaker":"Speaker 2","startTime":443.099,"endTime":443.42,"body":"owning"},{"speaker":"Speaker 2","startTime":443.42,"endTime":443.42,"body":" "},{"speaker":"Speaker 2","startTime":443.44,"endTime":443.5,"body":"the"},{"speaker":"Speaker 2","startTime":443.5,"endTime":443.5,"body":" "},{"speaker":"Speaker 2","startTime":443.8,"endTime":444.162,"body":"underlying"},{"speaker":"Speaker 2","startTime":444.162,"endTime":444.162,"body":" "},{"speaker":"Speaker 2","startTime":444.182,"endTime":444.563,"body":"securities"},{"speaker":"Speaker 2","startTime":444.563,"endTime":444.563,"body":" "},{"speaker":"Speaker 2","startTime":444.603,"endTime":444.643,"body":"of"},{"speaker":"Speaker 2","startTime":444.643,"endTime":444.643,"body":" "},{"speaker":"Speaker 2","startTime":444.663,"endTime":444.723,"body":"the"},{"speaker":"Speaker 2","startTime":444.723,"endTime":444.723,"body":" "},{"speaker":"Speaker 2","startTime":444.763,"endTime":445.024,"body":"index"},{"speaker":"Speaker 2","startTime":445.024,"endTime":445.024,"body":"."},{"speaker":"Speaker 2","startTime":445.024,"endTime":445.024,"body":" "},{"speaker":"Speaker 2","startTime":445.044,"endTime":445.165,"body":"So"},{"speaker":"Speaker 2","startTime":445.165,"endTime":445.165,"body":","},{"speaker":"Speaker 2","startTime":445.165,"endTime":445.165,"body":" "},{"speaker":"Speaker 2","startTime":445.205,"endTime":445.305,"body":"for"},{"speaker":"Speaker 2","startTime":445.305,"endTime":445.305,"body":" "},{"speaker":"Speaker 2","startTime":445.365,"endTime":445.706,"body":"instance"},{"speaker":"Speaker 2","startTime":445.706,"endTime":445.706,"body":","},{"speaker":"Speaker 2","startTime":445.706,"endTime":445.706,"body":" "},{"speaker":"Speaker 2","startTime":446.85,"endTime":446.99,"body":"the"},{"speaker":"Speaker 2","startTime":446.99,"endTime":446.99,"body":" "},{"speaker":"Speaker 2","startTime":447.01,"endTime":447.05,"body":"S\u0026P"},{"speaker":"Speaker 2","startTime":447.05,"endTime":447.05,"body":" "},{"speaker":"Speaker 2","startTime":447.07,"endTime":447.572,"body":"500"},{"speaker":"Speaker 2","startTime":447.572,"endTime":447.572,"body":","},{"speaker":"Speaker 2","startTime":447.572,"endTime":447.572,"body":" "},{"speaker":"Speaker 2","startTime":447.672,"endTime":447.873,"body":"you"},{"speaker":"Speaker 2","startTime":447.873,"endTime":447.873,"body":" "},{"speaker":"Speaker 2","startTime":448.154,"endTime":448.314,"body":"could"},{"speaker":"Speaker 2","startTime":448.314,"endTime":448.314,"body":" "},{"speaker":"Speaker 2","startTime":448.394,"endTime":448.535,"body":"own"},{"speaker":"Speaker 2","startTime":448.535,"endTime":448.535,"body":" "},{"speaker":"Speaker 2","startTime":448.896,"endTime":449.377,"body":"500"},{"speaker":"Speaker 2","startTime":449.377,"endTime":449.377,"body":" "},{"speaker":"Speaker 2","startTime":449.437,"endTime":449.879,"body":"individual"},{"speaker":"Speaker 2","startTime":449.879,"endTime":449.879,"body":" "},{"speaker":"Speaker 2","startTime":449.939,"endTime":450.24,"body":"stocks"},{"speaker":"Speaker 2","startTime":450.24,"endTime":450.24,"body":" "},{"speaker":"Speaker 2","startTime":450.26,"endTime":450.361,"body":"in"},{"speaker":"Speaker 2","startTime":450.361,"endTime":450.361,"body":" "},{"speaker":"Speaker 2","startTime":450.542,"endTime":450.702,"body":"your"},{"speaker":"Speaker 2","startTime":450.702,"endTime":450.702,"body":" "},{"speaker":"Speaker 2","startTime":450.882,"endTime":451.263,"body":"account"},{"speaker":"Speaker 2","startTime":451.263,"endTime":451.263,"body":" "},{"speaker":"Speaker 2","startTime":451.444,"endTime":451.605,"body":"and"},{"speaker":"Speaker 2","startTime":451.605,"endTime":451.605,"body":","},{"speaker":"Speaker 2","startTime":451.605,"endTime":451.605,"body":" "},{"speaker":"Speaker 2","startTime":451.786,"endTime":451.866,"body":"you"},{"speaker":"Speaker 2","startTime":451.866,"endTime":451.866,"body":" "},{"speaker":"Speaker 2","startTime":452.046,"endTime":452.146,"body":"know"},{"speaker":"Speaker 2","startTime":452.146,"endTime":452.146,"body":","},{"speaker":"Speaker 2","startTime":452.146,"endTime":452.146,"body":" "},{"speaker":"Speaker 2","startTime":452.327,"endTime":452.387,"body":"in"},{"speaker":"Speaker 2","startTime":452.387,"endTime":452.387,"body":" "},{"speaker":"Speaker 2","startTime":452.568,"endTime":452.709,"body":"any"},{"speaker":"Speaker 2","startTime":452.709,"endTime":452.709,"body":" "},{"speaker":"Speaker 2","startTime":452.889,"endTime":453.129,"body":"given"},{"speaker":"Speaker 2","startTime":453.129,"endTime":453.129,"body":" "},{"speaker":"Speaker 2","startTime":453.31,"endTime":453.611,"body":"year"},{"speaker":"Speaker 2","startTime":453.611,"endTime":453.611,"body":" "},{"speaker":"Speaker 2","startTime":453.791,"endTime":453.891,"body":"you"},{"speaker":"Speaker 2","startTime":453.891,"endTime":453.891,"body":" "},{"speaker":"Speaker 2","startTime":454.072,"endTime":454.192,"body":"know"},{"speaker":"Speaker 2","startTime":454.192,"endTime":454.192,"body":" "},{"speaker":"Speaker 2","startTime":454.373,"endTime":454.493,"body":"there"},{"speaker":"Speaker 2","startTime":454.493,"endTime":454.493,"body":" "},{"speaker":"Speaker 2","startTime":454.673,"endTime":454.794,"body":"could"},{"speaker":"Speaker 2","startTime":454.794,"endTime":454.794,"body":" "},{"speaker":"Speaker 2","startTime":454.975,"endTime":455.035,"body":"be"},{"speaker":"Speaker 2","startTime":455.035,"endTime":455.035,"body":" "},{"speaker":"Speaker 2","startTime":455.216,"endTime":455.256,"body":"a"},{"speaker":"Speaker 2","startTime":455.256,"endTime":455.256,"body":" "},{"speaker":"Speaker 2","startTime":455.436,"endTime":455.536,"body":"good"},{"speaker":"Speaker 2","startTime":455.536,"endTime":455.536,"body":" "},{"speaker":"Speaker 2","startTime":455.717,"endTime":455.918,"body":"amount"},{"speaker":"Speaker 2","startTime":455.918,"endTime":455.918,"body":" "},{"speaker":"Speaker 2","startTime":456.099,"endTime":456.139,"body":"of"},{"speaker":"Speaker 2","startTime":456.139,"endTime":456.139,"body":" "},{"speaker":"Speaker 2","startTime":456.319,"endTime":456.58,"body":"stocks"},{"speaker":"Speaker 2","startTime":456.58,"endTime":456.58,"body":" "},{"speaker":"Speaker 2","startTime":456.6,"endTime":456.741,"body":"that"},{"speaker":"Speaker 2","startTime":456.741,"endTime":456.741,"body":" "},{"speaker":"Speaker 2","startTime":456.881,"endTime":457.022,"body":"are"},{"speaker":"Speaker 2","startTime":457.022,"endTime":457.022,"body":" "},{"speaker":"Speaker 2","startTime":458.065,"endTime":458.145,"body":"at"},{"speaker":"Speaker 2","startTime":458.145,"endTime":458.145,"body":" "},{"speaker":"Speaker 2","startTime":458.165,"endTime":458.205,"body":"a"},{"speaker":"Speaker 2","startTime":458.205,"endTime":458.205,"body":" "},{"speaker":"Speaker 2","startTime":458.245,"endTime":458.546,"body":"loss"},{"speaker":"Speaker 2","startTime":458.546,"endTime":458.546,"body":" "},{"speaker":"Speaker 2","startTime":458.707,"endTime":458.807,"body":"and"},{"speaker":"Speaker 2","startTime":458.807,"endTime":458.807,"body":" "},{"speaker":"Speaker 2","startTime":458.847,"endTime":458.927,"body":"you"},{"speaker":"Speaker 2","startTime":458.927,"endTime":458.927,"body":" "},{"speaker":"Speaker 2","startTime":458.967,"endTime":459.108,"body":"can"},{"speaker":"Speaker 2","startTime":459.108,"endTime":459.108,"body":" "},{"speaker":"Speaker 2","startTime":459.81,"endTime":460.432,"body":"individually"},{"speaker":"Speaker 2","startTime":460.432,"endTime":460.432,"body":" "},{"speaker":"Speaker 2","startTime":460.492,"endTime":460.753,"body":"tax"},{"speaker":"Speaker 2","startTime":460.753,"endTime":460.753,"body":" "},{"speaker":"Speaker 2","startTime":460.813,"endTime":460.953,"body":"all"},{"speaker":"Speaker 2","startTime":460.953,"endTime":460.953,"body":","},{"speaker":"Speaker 2","startTime":460.953,"endTime":460.953,"body":" "},{"speaker":"Speaker 2","startTime":460.993,"endTime":461.314,"body":"harvest"},{"speaker":"Speaker 2","startTime":461.314,"endTime":461.314,"body":" "},{"speaker":"Speaker 2","startTime":461.375,"endTime":461.615,"body":"those"},{"speaker":"Speaker 2","startTime":461.615,"endTime":461.615,"body":" "},{"speaker":"Speaker 2","startTime":461.635,"endTime":461.996,"body":"stocks"},{"speaker":"Speaker 2","startTime":461.996,"endTime":461.996,"body":"."},{"speaker":"Speaker 2","startTime":461.996,"endTime":461.996,"body":" "},{"speaker":"Speaker 2","startTime":462.458,"endTime":462.598,"body":"And"},{"speaker":"Speaker 2","startTime":462.598,"endTime":462.598,"body":" "},{"speaker":"Speaker 2","startTime":462.859,"endTime":463.22,"body":"actually"},{"speaker":"Speaker 2","startTime":463.22,"endTime":463.22,"body":","},{"speaker":"Speaker 2","startTime":463.22,"endTime":463.22,"body":" "},{"speaker":"Speaker 2","startTime":463.401,"endTime":463.461,"body":"if"},{"speaker":"Speaker 2","startTime":463.461,"endTime":463.461,"body":" "},{"speaker":"Speaker 2","startTime":463.481,"endTime":463.661,"body":"you're"},{"speaker":"Speaker 2","startTime":463.661,"endTime":463.661,"body":" "},{"speaker":"Speaker 2","startTime":463.681,"endTime":463.922,"body":"watching"},{"speaker":"Speaker 2","startTime":463.922,"endTime":463.922,"body":" "},{"speaker":"Speaker 2","startTime":464.002,"endTime":464.062,"body":"on"},{"speaker":"Speaker 2","startTime":464.062,"endTime":464.062,"body":" "},{"speaker":"Speaker 2","startTime":464.082,"endTime":464.403,"body":"video"},{"speaker":"Speaker 2","startTime":464.403,"endTime":464.403,"body":","},{"speaker":"Speaker 2","startTime":464.403,"endTime":464.403,"body":" "},{"speaker":"Speaker 2","startTime":464.444,"endTime":464.524,"body":"if"},{"speaker":"Speaker 2","startTime":464.524,"endTime":464.524,"body":" "},{"speaker":"Speaker 2","startTime":464.584,"endTime":464.804,"body":"you"},{"speaker":"Speaker 2","startTime":464.804,"endTime":464.804,"body":" "},{"speaker":"Speaker 2","startTime":465.767,"endTime":465.928,"body":"look"},{"speaker":"Speaker 2","startTime":465.928,"endTime":465.928,"body":" "},{"speaker":"Speaker 2","startTime":465.968,"endTime":466.008,"body":"at"},{"speaker":"Speaker 2","startTime":466.008,"endTime":466.008,"body":" "},{"speaker":"Speaker 2","startTime":466.048,"endTime":466.148,"body":"the"},{"speaker":"Speaker 2","startTime":466.148,"endTime":466.148,"body":" "},{"speaker":"Speaker 2","startTime":466.189,"endTime":466.469,"body":"chart"},{"speaker":"Speaker 2","startTime":466.469,"endTime":466.469,"body":" "},{"speaker":"Speaker 2","startTime":466.509,"endTime":467.452,"body":"that"},{"speaker":"Speaker 2","startTime":467.452,"endTime":467.452,"body":" "},{"speaker":"Speaker 2","startTime":467.492,"endTime":467.613,"body":"we"},{"speaker":"Speaker 2","startTime":467.613,"endTime":467.613,"body":" "},{"speaker":"Speaker 2","startTime":467.693,"endTime":468.014,"body":"have"},{"speaker":"Speaker 2","startTime":468.014,"endTime":468.014,"body":","},{"speaker":"Speaker 2","startTime":468.014,"endTime":468.014,"body":" "},{"speaker":"Speaker 2","startTime":468.074,"endTime":468.174,"body":"you"},{"speaker":"Speaker 2","startTime":468.174,"endTime":468.174,"body":" "},{"speaker":"Speaker 2","startTime":468.194,"endTime":468.315,"body":"can"},{"speaker":"Speaker 2","startTime":468.315,"endTime":468.315,"body":" "},{"speaker":"Speaker 2","startTime":468.395,"endTime":468.636,"body":"see"},{"speaker":"Speaker 2","startTime":468.636,"endTime":468.636,"body":","},{"speaker":"Speaker 2","startTime":468.636,"endTime":468.636,"body":" "},{"speaker":"Speaker 2","startTime":468.656,"endTime":469.699,"body":"you"},{"speaker":"Speaker 2","startTime":469.699,"endTime":469.699,"body":" "},{"speaker":"Speaker 2","startTime":470.1,"endTime":470.18,"body":"know"},{"speaker":"Speaker 2","startTime":470.18,"endTime":470.18,"body":","},{"speaker":"Speaker 2","startTime":470.18,"endTime":470.18,"body":" "},{"speaker":"Speaker 2","startTime":470.36,"endTime":470.501,"body":"from"},{"speaker":"Speaker 2","startTime":470.501,"endTime":470.501,"body":" "},{"speaker":"Speaker 2","startTime":470.541,"endTime":471.243,"body":"2012"},{"speaker":"Speaker 2","startTime":471.243,"endTime":471.243,"body":" "},{"speaker":"Speaker 2","startTime":471.604,"endTime":471.764,"body":"through"},{"speaker":"Speaker 2","startTime":471.764,"endTime":471.764,"body":" "},{"speaker":"Speaker 2","startTime":471.804,"endTime":472.767,"body":"2022"},{"speaker":"Speaker 2","startTime":472.767,"endTime":472.767,"body":","},{"speaker":"Speaker 2","startTime":472.767,"endTime":472.767,"body":" "},{"speaker":"Speaker 2","startTime":473.489,"endTime":473.629,"body":"this"},{"speaker":"Speaker 2","startTime":473.629,"endTime":473.629,"body":" "},{"speaker":"Speaker 2","startTime":473.69,"endTime":473.77,"body":"is"},{"speaker":"Speaker 2","startTime":473.77,"endTime":473.77,"body":" "},{"speaker":"Speaker 2","startTime":473.83,"endTime":473.89,"body":"the"},{"speaker":"Speaker 2","startTime":473.89,"endTime":473.89,"body":" "},{"speaker":"Speaker 2","startTime":473.95,"endTime":474.251,"body":"Russell"},{"speaker":"Speaker 2","startTime":474.251,"endTime":474.251,"body":" "},{"speaker":"Speaker 2","startTime":474.331,"endTime":474.893,"body":"1000"},{"speaker":"Speaker 2","startTime":474.893,"endTime":474.893,"body":","},{"speaker":"Speaker 2","startTime":474.893,"endTime":474.893,"body":" "},{"speaker":"Speaker 2","startTime":474.973,"endTime":475.174,"body":"but"},{"speaker":"Speaker 2","startTime":475.174,"endTime":475.174,"body":" "},{"speaker":"Speaker 2","startTime":475.956,"endTime":476.036,"body":"you"},{"speaker":"Speaker 2","startTime":476.036,"endTime":476.036,"body":" "},{"speaker":"Speaker 2","startTime":476.056,"endTime":476.176,"body":"know"},{"speaker":"Speaker 2","startTime":476.176,"endTime":476.176,"body":" "},{"speaker":"Speaker 2","startTime":476.217,"endTime":476.537,"body":"ranges"},{"speaker":"Speaker 2","startTime":476.537,"endTime":476.537,"body":" "},{"speaker":"Speaker 2","startTime":476.598,"endTime":476.878,"body":"from"},{"speaker":"Speaker 2","startTime":476.878,"endTime":476.878,"body":" "},{"speaker":"Speaker 2","startTime":476.898,"endTime":477.36,"body":"you"},{"speaker":"Speaker 2","startTime":477.36,"endTime":477.36,"body":" "},{"speaker":"Speaker 2","startTime":477.38,"endTime":477.46,"body":"know"},{"speaker":"Speaker 2","startTime":477.46,"endTime":477.46,"body":" "},{"speaker":"Speaker 2","startTime":477.6,"endTime":478.502,"body":"120"},{"speaker":"Speaker 2","startTime":478.502,"endTime":478.502,"body":" "},{"speaker":"Speaker 2","startTime":478.562,"endTime":478.883,"body":"stocks"},{"speaker":"Speaker 2","startTime":478.883,"endTime":478.883,"body":" "},{"speaker":"Speaker 2","startTime":479.203,"endTime":479.524,"body":"that"},{"speaker":"Speaker 2","startTime":479.524,"endTime":479.524,"body":" "},{"speaker":"Speaker 2","startTime":479.764,"endTime":479.925,"body":"were"},{"speaker":"Speaker 2","startTime":479.925,"endTime":479.925,"body":" "},{"speaker":"Speaker 2","startTime":480.005,"endTime":480.085,"body":"at"},{"speaker":"Speaker 2","startTime":480.085,"endTime":480.085,"body":" "},{"speaker":"Speaker 2","startTime":480.125,"endTime":480.145,"body":"a"},{"speaker":"Speaker 2","startTime":480.145,"endTime":480.145,"body":" "},{"speaker":"Speaker 2","startTime":480.225,"endTime":480.526,"body":"loss"},{"speaker":"Speaker 2","startTime":480.526,"endTime":480.526,"body":","},{"speaker":"Speaker 2","startTime":480.526,"endTime":480.526,"body":" "},{"speaker":"Speaker 2","startTime":480.546,"endTime":480.686,"body":"that"},{"speaker":"Speaker 2","startTime":480.686,"endTime":480.686,"body":" "},{"speaker":"Speaker 2","startTime":480.706,"endTime":480.826,"body":"had"},{"speaker":"Speaker 2","startTime":480.826,"endTime":480.826,"body":" "},{"speaker":"Speaker 2","startTime":480.867,"endTime":481.147,"body":"negative"},{"speaker":"Speaker 2","startTime":481.147,"endTime":481.147,"body":" "},{"speaker":"Speaker 2","startTime":481.207,"endTime":481.688,"body":"returns"},{"speaker":"Speaker 2","startTime":481.688,"endTime":481.688,"body":"."},{"speaker":"Speaker 2","startTime":481.688,"endTime":481.688,"body":" "},{"speaker":"Speaker 2","startTime":482.049,"endTime":482.189,"body":"So"},{"speaker":"Speaker 2","startTime":482.189,"endTime":482.189,"body":" "},{"speaker":"Speaker 2","startTime":482.209,"endTime":482.369,"body":"even"},{"speaker":"Speaker 2","startTime":482.369,"endTime":482.369,"body":" "},{"speaker":"Speaker 2","startTime":482.41,"endTime":482.59,"body":"last"},{"speaker":"Speaker 2","startTime":482.59,"endTime":482.59,"body":" "},{"speaker":"Speaker 2","startTime":482.61,"endTime":482.73,"body":"year"},{"speaker":"Speaker 2","startTime":482.73,"endTime":482.73,"body":" "},{"speaker":"Speaker 2","startTime":482.75,"endTime":482.79,"body":"or"},{"speaker":"Speaker 2","startTime":482.79,"endTime":482.79,"body":","},{"speaker":"Speaker 2","startTime":482.79,"endTime":482.79,"body":" "},{"speaker":"Speaker 2","startTime":482.83,"endTime":483.351,"body":"sorry"},{"speaker":"Speaker 2","startTime":483.351,"endTime":483.351,"body":","},{"speaker":"Speaker 2","startTime":483.351,"endTime":483.351,"body":" "},{"speaker":"Speaker 2","startTime":483.371,"endTime":483.452,"body":"in"},{"speaker":"Speaker 2","startTime":483.452,"endTime":483.452,"body":" "},{"speaker":"Speaker 2","startTime":483.472,"endTime":484.514,"body":"2022"},{"speaker":"Speaker 2","startTime":484.514,"endTime":484.514,"body":","},{"speaker":"Speaker 2","startTime":484.514,"endTime":484.514,"body":" "},{"speaker":"Speaker 2","startTime":484.94,"endTime":485.081,"body":"that"},{"speaker":"Speaker 2","startTime":485.081,"endTime":485.081,"body":" "},{"speaker":"Speaker 2","startTime":485.101,"endTime":485.301,"body":"had"},{"speaker":"Speaker 2","startTime":485.301,"endTime":485.301,"body":" "},{"speaker":"Speaker 2","startTime":485.361,"endTime":485.602,"body":"their"},{"speaker":"Speaker 2","startTime":485.602,"endTime":485.602,"body":" "},{"speaker":"Speaker 2","startTime":485.662,"endTime":486.123,"body":"800"},{"speaker":"Speaker 2","startTime":486.123,"endTime":486.123,"body":" "},{"speaker":"Speaker 2","startTime":486.424,"endTime":486.764,"body":"stocks"},{"speaker":"Speaker 2","startTime":486.764,"endTime":486.764,"body":"."},{"speaker":"Speaker 2","startTime":486.764,"endTime":486.764,"body":" "},{"speaker":"Speaker 2","startTime":487.306,"endTime":487.486,"body":"So"},{"speaker":"Speaker 2","startTime":487.486,"endTime":487.486,"body":" "},{"speaker":"Speaker 2","startTime":487.546,"endTime":487.766,"body":"direct"},{"speaker":"Speaker 2","startTime":487.766,"endTime":487.766,"body":" "},{"speaker":"Speaker 2","startTime":487.807,"endTime":488.268,"body":"indexing"},{"speaker":"Speaker 2","startTime":488.268,"endTime":488.268,"body":" "},{"speaker":"Speaker 2","startTime":488.408,"endTime":488.669,"body":"allows"},{"speaker":"Speaker 2","startTime":488.669,"endTime":488.669,"body":" "},{"speaker":"Speaker 2","startTime":488.709,"endTime":488.789,"body":"you"},{"speaker":"Speaker 2","startTime":488.789,"endTime":488.789,"body":" "},{"speaker":"Speaker 2","startTime":488.809,"endTime":488.869,"body":"to"},{"speaker":"Speaker 2","startTime":488.869,"endTime":488.869,"body":" "},{"speaker":"Speaker 2","startTime":489.049,"endTime":489.43,"body":"directly"},{"speaker":"Speaker 2","startTime":489.43,"endTime":489.43,"body":" "},{"speaker":"Speaker 2","startTime":489.53,"endTime":489.651,"body":"own"},{"speaker":"Speaker 2","startTime":489.651,"endTime":489.651,"body":" "},{"speaker":"Speaker 2","startTime":489.671,"endTime":489.811,"body":"these"},{"speaker":"Speaker 2","startTime":489.811,"endTime":489.811,"body":" "},{"speaker":"Speaker 2","startTime":489.831,"endTime":490.132,"body":"stocks"},{"speaker":"Speaker 2","startTime":490.132,"endTime":490.132,"body":" "},{"speaker":"Speaker 2","startTime":490.412,"endTime":490.533,"body":"and"},{"speaker":"Speaker 2","startTime":490.533,"endTime":490.533,"body":" "},{"speaker":"Speaker 2","startTime":490.633,"endTime":490.773,"body":"to"},{"speaker":"Speaker 2","startTime":490.773,"endTime":490.773,"body":" "},{"speaker":"Speaker 2","startTime":491.001,"endTime":491.643,"body":"individually"},{"speaker":"Speaker 2","startTime":491.643,"endTime":491.643,"body":" "},{"speaker":"Speaker 2","startTime":492.164,"endTime":492.365,"body":"sell"},{"speaker":"Speaker 2","startTime":492.365,"endTime":492.365,"body":" "},{"speaker":"Speaker 2","startTime":492.385,"endTime":492.566,"body":"these"},{"speaker":"Speaker 2","startTime":492.566,"endTime":492.566,"body":" "},{"speaker":"Speaker 2","startTime":492.746,"endTime":493.007,"body":"stocks"},{"speaker":"Speaker 2","startTime":493.007,"endTime":493.007,"body":" "},{"speaker":"Speaker 2","startTime":493.067,"endTime":493.128,"body":"if"},{"speaker":"Speaker 2","startTime":493.128,"endTime":493.128,"body":" "},{"speaker":"Speaker 2","startTime":493.148,"endTime":493.248,"body":"they"},{"speaker":"Speaker 2","startTime":493.248,"endTime":493.248,"body":" "},{"speaker":"Speaker 2","startTime":493.268,"endTime":493.389,"body":"were"},{"speaker":"Speaker 2","startTime":493.389,"endTime":493.389,"body":" "},{"speaker":"Speaker 2","startTime":493.449,"endTime":493.529,"body":"at"},{"speaker":"Speaker 2","startTime":493.529,"endTime":493.529,"body":" "},{"speaker":"Speaker 2","startTime":493.549,"endTime":493.589,"body":"a"},{"speaker":"Speaker 2","startTime":493.589,"endTime":493.589,"body":" "},{"speaker":"Speaker 2","startTime":493.629,"endTime":493.89,"body":"loss"},{"speaker":"Speaker 2","startTime":493.89,"endTime":493.89,"body":"."},{"speaker":"Speaker 2","startTime":493.89,"endTime":493.89,"body":" "},{"speaker":"Speaker 2","startTime":493.89,"endTime":493.89,"body":"\n"},{"speaker":"Speaker 1","startTime":494.572,"endTime":494.773,"body":"So"},{"speaker":"Speaker 1","startTime":494.773,"endTime":494.773,"body":" "},{"speaker":"Speaker 1","startTime":494.793,"endTime":495.235,"body":"you"},{"speaker":"Speaker 1","startTime":495.235,"endTime":495.235,"body":" "},{"speaker":"Speaker 1","startTime":495.255,"endTime":495.395,"body":"know"},{"speaker":"Speaker 1","startTime":495.395,"endTime":495.395,"body":" "},{"speaker":"Speaker 1","startTime":495.435,"endTime":495.516,"body":"to"},{"speaker":"Speaker 1","startTime":495.516,"endTime":495.516,"body":" "},{"speaker":"Speaker 1","startTime":495.556,"endTime":495.596,"body":"a"},{"speaker":"Speaker 1","startTime":495.596,"endTime":495.596,"body":" "},{"speaker":"Speaker 1","startTime":495.656,"endTime":496.238,"body":"layperson"},{"speaker":"Speaker 1","startTime":496.238,"endTime":496.238,"body":","},{"speaker":"Speaker 1","startTime":496.238,"endTime":496.238,"body":" "},{"speaker":"Speaker 1","startTime":496.419,"endTime":496.499,"body":"if"},{"speaker":"Speaker 1","startTime":496.499,"endTime":496.499,"body":" "},{"speaker":"Speaker 1","startTime":496.539,"endTime":496.7,"body":"you"},{"speaker":"Speaker 1","startTime":496.7,"endTime":496.7,"body":" "},{"speaker":"Speaker 1","startTime":496.72,"endTime":496.82,"body":"went"},{"speaker":"Speaker 1","startTime":496.82,"endTime":496.82,"body":" "},{"speaker":"Speaker 1","startTime":496.94,"endTime":497.06,"body":"out"},{"speaker":"Speaker 1","startTime":497.06,"endTime":497.06,"body":" "},{"speaker":"Speaker 1","startTime":497.08,"endTime":497.141,"body":"and"},{"speaker":"Speaker 1","startTime":497.141,"endTime":497.141,"body":" "},{"speaker":"Speaker 1","startTime":497.181,"endTime":497.281,"body":"you"},{"speaker":"Speaker 1","startTime":497.281,"endTime":497.281,"body":" "},{"speaker":"Speaker 1","startTime":497.321,"endTime":497.601,"body":"picked"},{"speaker":"Speaker 1","startTime":497.601,"endTime":497.601,"body":" "},{"speaker":"Speaker 1","startTime":498.884,"endTime":499.225,"body":"40"},{"speaker":"Speaker 1","startTime":499.225,"endTime":499.225,"body":" "},{"speaker":"Speaker 1","startTime":499.285,"endTime":499.846,"body":"securities"},{"speaker":"Speaker 1","startTime":499.846,"endTime":499.846,"body":" "},{"speaker":"Speaker 1","startTime":499.886,"endTime":499.966,"body":"to"},{"speaker":"Speaker 1","startTime":499.966,"endTime":499.966,"body":" "},{"speaker":"Speaker 1","startTime":500.006,"endTime":500.266,"body":"buy"},{"speaker":"Speaker 1","startTime":500.266,"endTime":500.266,"body":" "},{"speaker":"Speaker 1","startTime":501.529,"endTime":501.709,"body":"and"},{"speaker":"Speaker 1","startTime":501.709,"endTime":501.709,"body":" "},{"speaker":"Speaker 1","startTime":501.729,"endTime":501.809,"body":"you"},{"speaker":"Speaker 1","startTime":501.809,"endTime":501.809,"body":" "},{"speaker":"Speaker 1","startTime":501.83,"endTime":501.93,"body":"have"},{"speaker":"Speaker 1","startTime":501.93,"endTime":501.93,"body":" "},{"speaker":"Speaker 1","startTime":501.97,"endTime":501.99,"body":"a"},{"speaker":"Speaker 1","startTime":501.99,"endTime":501.99,"body":" "},{"speaker":"Speaker 1","startTime":502.05,"endTime":502.31,"body":"loss"},{"speaker":"Speaker 1","startTime":502.31,"endTime":502.31,"body":" "},{"speaker":"Speaker 1","startTime":502.37,"endTime":502.431,"body":"in"},{"speaker":"Speaker 1","startTime":502.431,"endTime":502.431,"body":" "},{"speaker":"Speaker 1","startTime":502.491,"endTime":502.531,"body":"a"},{"speaker":"Speaker 1","startTime":502.531,"endTime":502.531,"body":" "},{"speaker":"Speaker 1","startTime":502.571,"endTime":502.831,"body":"couple"},{"speaker":"Speaker 1","startTime":502.831,"endTime":502.831,"body":","},{"speaker":"Speaker 1","startTime":502.831,"endTime":502.831,"body":" "},{"speaker":"Speaker 1","startTime":503.813,"endTime":503.953,"body":"most"},{"speaker":"Speaker 1","startTime":503.953,"endTime":503.953,"body":" "},{"speaker":"Speaker 1","startTime":503.974,"endTime":504.174,"body":"people"},{"speaker":"Speaker 1","startTime":504.174,"endTime":504.174,"body":" "},{"speaker":"Speaker 1","startTime":504.194,"endTime":504.234,"body":"go"},{"speaker":"Speaker 1","startTime":504.234,"endTime":504.234,"body":","},{"speaker":"Speaker 1","startTime":504.234,"endTime":504.234,"body":" "},{"speaker":"Speaker 1","startTime":505.161,"endTime":505.261,"body":"oh"},{"speaker":"Speaker 1","startTime":505.261,"endTime":505.261,"body":","},{"speaker":"Speaker 1","startTime":505.261,"endTime":505.261,"body":" "},{"speaker":"Speaker 1","startTime":505.321,"endTime":505.362,"body":"I"},{"speaker":"Speaker 1","startTime":505.362,"endTime":505.362,"body":" "},{"speaker":"Speaker 1","startTime":505.402,"endTime":505.502,"body":"don't"},{"speaker":"Speaker 1","startTime":505.502,"endTime":505.502,"body":" "},{"speaker":"Speaker 1","startTime":505.542,"endTime":505.622,"body":"want"},{"speaker":"Speaker 1","startTime":505.622,"endTime":505.622,"body":" "},{"speaker":"Speaker 1","startTime":505.663,"endTime":505.703,"body":"to"},{"speaker":"Speaker 1","startTime":505.703,"endTime":505.703,"body":" "},{"speaker":"Speaker 1","startTime":505.723,"endTime":505.903,"body":"sell"},{"speaker":"Speaker 1","startTime":505.903,"endTime":505.903,"body":" "},{"speaker":"Speaker 1","startTime":505.944,"endTime":506.084,"body":"that"},{"speaker":"Speaker 1","startTime":506.084,"endTime":506.084,"body":","},{"speaker":"Speaker 1","startTime":506.084,"endTime":506.084,"body":" "},{"speaker":"Speaker 1","startTime":506.104,"endTime":506.265,"body":"I've"},{"speaker":"Speaker 1","startTime":506.265,"endTime":506.265,"body":" "},{"speaker":"Speaker 1","startTime":506.305,"endTime":506.485,"body":"lost"},{"speaker":"Speaker 1","startTime":506.485,"endTime":506.485,"body":" "},{"speaker":"Speaker 1","startTime":506.506,"endTime":506.646,"body":"money"},{"speaker":"Speaker 1","startTime":506.646,"endTime":506.646,"body":","},{"speaker":"Speaker 1","startTime":506.646,"endTime":506.646,"body":" "},{"speaker":"Speaker 1","startTime":506.666,"endTime":506.686,"body":"I"},{"speaker":"Speaker 1","startTime":506.686,"endTime":506.686,"body":" "},{"speaker":"Speaker 1","startTime":506.706,"endTime":506.787,"body":"need"},{"speaker":"Speaker 1","startTime":506.787,"endTime":506.787,"body":" "},{"speaker":"Speaker 1","startTime":506.807,"endTime":506.847,"body":"to"},{"speaker":"Speaker 1","startTime":506.847,"endTime":506.847,"body":" "},{"speaker":"Speaker 1","startTime":506.867,"endTime":506.987,"body":"wait"},{"speaker":"Speaker 1","startTime":506.987,"endTime":506.987,"body":" "},{"speaker":"Speaker 1","startTime":507.027,"endTime":507.128,"body":"for"},{"speaker":"Speaker 1","startTime":507.128,"endTime":507.128,"body":" "},{"speaker":"Speaker 1","startTime":507.148,"endTime":507.188,"body":"it"},{"speaker":"Speaker 1","startTime":507.188,"endTime":507.188,"body":" "},{"speaker":"Speaker 1","startTime":507.228,"endTime":507.288,"body":"to"},{"speaker":"Speaker 1","startTime":507.288,"endTime":507.288,"body":" "},{"speaker":"Speaker 1","startTime":507.328,"endTime":507.69,"body":"rebound"},{"speaker":"Speaker 1","startTime":507.69,"endTime":507.69,"body":","},{"speaker":"Speaker 1","startTime":507.69,"endTime":507.69,"body":" "},{"speaker":"Speaker 1","startTime":507.88,"endTime":508.101,"body":"right"},{"speaker":"Speaker 1","startTime":508.101,"endTime":508.101,"body":"."},{"speaker":"Speaker 1","startTime":508.101,"endTime":508.101,"body":" "},{"speaker":"Speaker 1","startTime":508.702,"endTime":508.842,"body":"But"},{"speaker":"Speaker 1","startTime":508.842,"endTime":508.842,"body":" "},{"speaker":"Speaker 1","startTime":509.744,"endTime":509.824,"body":"if"},{"speaker":"Speaker 1","startTime":509.824,"endTime":509.824,"body":" "},{"speaker":"Speaker 1","startTime":509.844,"endTime":509.964,"body":"you"},{"speaker":"Speaker 1","startTime":509.964,"endTime":509.964,"body":" "},{"speaker":"Speaker 1","startTime":510.004,"endTime":510.285,"body":"back"},{"speaker":"Speaker 1","startTime":510.285,"endTime":510.285,"body":" "},{"speaker":"Speaker 1","startTime":510.385,"endTime":510.485,"body":"up"},{"speaker":"Speaker 1","startTime":510.485,"endTime":510.485,"body":" "},{"speaker":"Speaker 1","startTime":510.546,"endTime":510.566,"body":"a"},{"speaker":"Speaker 1","startTime":510.566,"endTime":510.566,"body":" "},{"speaker":"Speaker 1","startTime":510.626,"endTime":510.966,"body":"step"},{"speaker":"Speaker 1","startTime":510.966,"endTime":510.966,"body":","},{"speaker":"Speaker 1","startTime":510.966,"endTime":510.966,"body":" "},{"speaker":"Speaker 1","startTime":511.447,"endTime":511.487,"body":"if"},{"speaker":"Speaker 1","startTime":511.487,"endTime":511.487,"body":" "},{"speaker":"Speaker 1","startTime":511.527,"endTime":511.628,"body":"you"},{"speaker":"Speaker 1","startTime":511.628,"endTime":511.628,"body":" "},{"speaker":"Speaker 1","startTime":511.668,"endTime":511.768,"body":"go"},{"speaker":"Speaker 1","startTime":511.768,"endTime":511.768,"body":" "},{"speaker":"Speaker 1","startTime":511.808,"endTime":511.928,"body":"to"},{"speaker":"Speaker 1","startTime":511.928,"endTime":511.928,"body":" "},{"speaker":"Speaker 1","startTime":511.968,"endTime":512.008,"body":"a"},{"speaker":"Speaker 1","startTime":512.008,"endTime":512.008,"body":" "},{"speaker":"Speaker 1","startTime":512.069,"endTime":512.309,"body":"higher"},{"speaker":"Speaker 1","startTime":512.309,"endTime":512.309,"body":" "},{"speaker":"Speaker 1","startTime":512.389,"endTime":512.71,"body":"level"},{"speaker":"Speaker 1","startTime":512.71,"endTime":512.71,"body":","},{"speaker":"Speaker 1","startTime":512.71,"endTime":512.71,"body":" "},{"speaker":"Speaker 1","startTime":513.151,"endTime":513.211,"body":"if"},{"speaker":"Speaker 1","startTime":513.211,"endTime":513.211,"body":" "},{"speaker":"Speaker 1","startTime":513.231,"endTime":513.331,"body":"you"},{"speaker":"Speaker 1","startTime":513.331,"endTime":513.331,"body":" "},{"speaker":"Speaker 1","startTime":513.371,"endTime":513.531,"body":"think"},{"speaker":"Speaker 1","startTime":513.531,"endTime":513.531,"body":" "},{"speaker":"Speaker 1","startTime":513.571,"endTime":513.772,"body":"about"},{"speaker":"Speaker 1","startTime":513.772,"endTime":513.772,"body":" "},{"speaker":"Speaker 1","startTime":513.792,"endTime":513.892,"body":"the"},{"speaker":"Speaker 1","startTime":513.892,"endTime":513.892,"body":" "},{"speaker":"Speaker 1","startTime":514.032,"endTime":514.353,"body":"S\u0026P"},{"speaker":"Speaker 1","startTime":514.353,"endTime":514.353,"body":" "},{"speaker":"Speaker 1","startTime":514.413,"endTime":514.954,"body":"500"},{"speaker":"Speaker 1","startTime":514.954,"endTime":514.954,"body":","},{"speaker":"Speaker 1","startTime":514.954,"endTime":514.954,"body":" "},{"speaker":"Speaker 1","startTime":515.64,"endTime":515.741,"body":"and"},{"speaker":"Speaker 1","startTime":515.741,"endTime":515.741,"body":" "},{"speaker":"Speaker 1","startTime":515.761,"endTime":515.841,"body":"the"},{"speaker":"Speaker 1","startTime":515.841,"endTime":515.841,"body":" "},{"speaker":"Speaker 1","startTime":515.961,"endTime":516.282,"body":"S\u0026P"},{"speaker":"Speaker 1","startTime":516.282,"endTime":516.282,"body":" "},{"speaker":"Speaker 1","startTime":516.362,"endTime":516.443,"body":"is"},{"speaker":"Speaker 1","startTime":516.443,"endTime":516.443,"body":" "},{"speaker":"Speaker 1","startTime":516.583,"endTime":516.683,"body":"up"},{"speaker":"Speaker 1","startTime":516.683,"endTime":516.683,"body":" "},{"speaker":"Speaker 1","startTime":518.047,"endTime":518.628,"body":"20%"},{"speaker":"Speaker 1","startTime":518.628,"endTime":518.628,"body":" "},{"speaker":"Speaker 1","startTime":518.669,"endTime":518.789,"body":"for"},{"speaker":"Speaker 1","startTime":518.789,"endTime":518.789,"body":" "},{"speaker":"Speaker 1","startTime":518.809,"endTime":518.889,"body":"the"},{"speaker":"Speaker 1","startTime":518.889,"endTime":518.889,"body":" "},{"speaker":"Speaker 1","startTime":518.909,"endTime":519.09,"body":"year"},{"speaker":"Speaker 1","startTime":519.09,"endTime":519.09,"body":","},{"speaker":"Speaker 1","startTime":519.09,"endTime":519.09,"body":" "},{"speaker":"Speaker 1","startTime":519.751,"endTime":519.892,"body":"like"},{"speaker":"Speaker 1","startTime":519.892,"endTime":519.892,"body":" "},{"speaker":"Speaker 1","startTime":519.932,"endTime":520.173,"body":"last"},{"speaker":"Speaker 1","startTime":520.173,"endTime":520.173,"body":" "},{"speaker":"Speaker 1","startTime":520.213,"endTime":520.373,"body":"year"},{"speaker":"Speaker 1","startTime":520.373,"endTime":520.373,"body":" "},{"speaker":"Speaker 1","startTime":520.854,"endTime":520.915,"body":"or"},{"speaker":"Speaker 1","startTime":520.915,"endTime":520.915,"body":" "},{"speaker":"Speaker 1","startTime":520.955,"endTime":521.155,"body":"more"},{"speaker":"Speaker 1","startTime":521.155,"endTime":521.155,"body":","},{"speaker":"Speaker 1","startTime":521.155,"endTime":521.155,"body":" "},{"speaker":"Speaker 1","startTime":521.235,"endTime":521.336,"body":"what"},{"speaker":"Speaker 1","startTime":521.336,"endTime":521.336,"body":" "},{"speaker":"Speaker 1","startTime":521.356,"endTime":521.436,"body":"was"},{"speaker":"Speaker 1","startTime":521.436,"endTime":521.436,"body":" "},{"speaker":"Speaker 1","startTime":521.476,"endTime":521.536,"body":"it"},{"speaker":"Speaker 1","startTime":521.536,"endTime":521.536,"body":"?"},{"speaker":"Speaker 1","startTime":521.536,"endTime":521.536,"body":" "},{"speaker":"Speaker 1","startTime":521.556,"endTime":522.84,"body":"2026"},{"speaker":"Speaker 1","startTime":522.84,"endTime":522.84,"body":"?"},{"speaker":"Speaker 1","startTime":522.84,"endTime":522.84,"body":" "},{"speaker":"Speaker 1","startTime":523.281,"endTime":524.002,"body":"Yeah"},{"speaker":"Speaker 1","startTime":524.002,"endTime":524.002,"body":","},{"speaker":"Speaker 1","startTime":524.002,"endTime":524.002,"body":" "},{"speaker":"Speaker 1","startTime":524.042,"endTime":524.863,"body":"26%"},{"speaker":"Speaker 1","startTime":524.863,"endTime":524.863,"body":" "},{"speaker":"Speaker 1","startTime":524.924,"endTime":525.144,"body":"last"},{"speaker":"Speaker 1","startTime":525.144,"endTime":525.144,"body":" "},{"speaker":"Speaker 1","startTime":525.184,"endTime":525.364,"body":"year"},{"speaker":"Speaker 1","startTime":525.364,"endTime":525.364,"body":"."},{"speaker":"Speaker 1","startTime":525.364,"endTime":525.364,"body":" "},{"speaker":"Speaker 1","startTime":525.885,"endTime":525.965,"body":"Do"},{"speaker":"Speaker 1","startTime":525.965,"endTime":525.965,"body":" "},{"speaker":"Speaker 1","startTime":526.006,"endTime":526.086,"body":"you"},{"speaker":"Speaker 1","startTime":526.086,"endTime":526.086,"body":" "},{"speaker":"Speaker 1","startTime":526.126,"endTime":526.306,"body":"think"},{"speaker":"Speaker 1","startTime":526.306,"endTime":526.306,"body":" "},{"speaker":"Speaker 1","startTime":526.366,"endTime":526.506,"body":"all"},{"speaker":"Speaker 1","startTime":526.506,"endTime":526.506,"body":" "},{"speaker":"Speaker 1","startTime":526.607,"endTime":527.027,"body":"500"},{"speaker":"Speaker 1","startTime":527.027,"endTime":527.027,"body":" "},{"speaker":"Speaker 1","startTime":527.067,"endTime":527.488,"body":"companies"},{"speaker":"Speaker 1","startTime":527.488,"endTime":527.488,"body":" "},{"speaker":"Speaker 1","startTime":527.789,"endTime":527.949,"body":"were"},{"speaker":"Speaker 1","startTime":527.949,"endTime":527.949,"body":" "},{"speaker":"Speaker 1","startTime":528.049,"endTime":528.129,"body":"up"},{"speaker":"Speaker 1","startTime":528.129,"endTime":528.129,"body":"?"},{"speaker":"Speaker 1","startTime":528.129,"endTime":528.129,"body":" "},{"speaker":"Speaker 1","startTime":528.129,"endTime":528.129,"body":"\n"},{"speaker":"Speaker 2","startTime":529.111,"endTime":529.271,"body":"No"},{"speaker":"Speaker 2","startTime":529.271,"endTime":529.271,"body":" "},{"speaker":"Speaker 2","startTime":529.472,"endTime":529.612,"body":"no"},{"speaker":"Speaker 2","startTime":529.612,"endTime":529.612,"body":"."},{"speaker":"Speaker 2","startTime":529.612,"endTime":529.612,"body":" "},{"speaker":"Speaker 2","startTime":529.612,"endTime":529.612,"body":"\n"},{"speaker":"Speaker 1","startTime":530.453,"endTime":530.574,"body":"No"},{"speaker":"Speaker 1","startTime":530.574,"endTime":530.574,"body":","},{"speaker":"Speaker 1","startTime":530.574,"endTime":530.574,"body":" "},{"speaker":"Speaker 1","startTime":530.614,"endTime":530.754,"body":"you're"},{"speaker":"Speaker 1","startTime":530.754,"endTime":530.754,"body":" "},{"speaker":"Speaker 1","startTime":530.774,"endTime":530.874,"body":"going"},{"speaker":"Speaker 1","startTime":530.874,"endTime":530.874,"body":" "},{"speaker":"Speaker 1","startTime":530.894,"endTime":530.954,"body":"to"},{"speaker":"Speaker 1","startTime":530.954,"endTime":530.954,"body":" "},{"speaker":"Speaker 1","startTime":530.994,"endTime":531.235,"body":"have"},{"speaker":"Speaker 1","startTime":531.235,"endTime":531.235,"body":" "},{"speaker":"Speaker 1","startTime":531.96,"endTime":532.121,"body":"some"},{"speaker":"Speaker 1","startTime":532.121,"endTime":532.121,"body":" "},{"speaker":"Speaker 1","startTime":532.181,"endTime":532.602,"body":"losses"},{"speaker":"Speaker 1","startTime":532.602,"endTime":532.602,"body":" "},{"speaker":"Speaker 1","startTime":532.663,"endTime":532.743,"body":"in"},{"speaker":"Speaker 1","startTime":532.743,"endTime":532.743,"body":" "},{"speaker":"Speaker 1","startTime":532.783,"endTime":532.944,"body":"there"},{"speaker":"Speaker 1","startTime":532.944,"endTime":532.944,"body":","},{"speaker":"Speaker 1","startTime":532.944,"endTime":532.944,"body":" "},{"speaker":"Speaker 1","startTime":533.706,"endTime":534.107,"body":"right"},{"speaker":"Speaker 1","startTime":534.107,"endTime":534.107,"body":"?"},{"speaker":"Speaker 1","startTime":534.107,"endTime":534.107,"body":" "},{"speaker":"Speaker 1","startTime":534.148,"endTime":534.248,"body":"So"},{"speaker":"Speaker 1","startTime":534.248,"endTime":534.248,"body":" "},{"speaker":"Speaker 1","startTime":534.288,"endTime":534.348,"body":"in"},{"speaker":"Speaker 1","startTime":534.348,"endTime":534.348,"body":" "},{"speaker":"Speaker 1","startTime":534.368,"endTime":534.429,"body":"the"},{"speaker":"Speaker 1","startTime":534.429,"endTime":534.429,"body":" "},{"speaker":"Speaker 1","startTime":534.569,"endTime":534.95,"body":"ETF"},{"speaker":"Speaker 1","startTime":534.95,"endTime":534.95,"body":" "},{"speaker":"Speaker 1","startTime":534.97,"endTime":535.352,"body":"structure"},{"speaker":"Speaker 1","startTime":535.352,"endTime":535.352,"body":" "},{"speaker":"Speaker 1","startTime":535.392,"endTime":535.452,"body":"you"},{"speaker":"Speaker 1","startTime":535.452,"endTime":535.452,"body":" "},{"speaker":"Speaker 1","startTime":535.472,"endTime":535.592,"body":"would"},{"speaker":"Speaker 1","startTime":535.592,"endTime":535.592,"body":" "},{"speaker":"Speaker 1","startTime":535.633,"endTime":535.733,"body":"have"},{"speaker":"Speaker 1","startTime":535.733,"endTime":535.733,"body":" "},{"speaker":"Speaker 1","startTime":535.793,"endTime":536.034,"body":"made"},{"speaker":"Speaker 1","startTime":536.034,"endTime":536.034,"body":" "},{"speaker":"Speaker 1","startTime":536.114,"endTime":536.997,"body":"26%"},{"speaker":"Speaker 1","startTime":536.997,"endTime":536.997,"body":"."},{"speaker":"Speaker 1","startTime":536.997,"endTime":536.997,"body":" "},{"speaker":"Speaker 1","startTime":537.519,"endTime":537.579,"body":"In"},{"speaker":"Speaker 1","startTime":537.579,"endTime":537.579,"body":" "},{"speaker":"Speaker 1","startTime":537.639,"endTime":537.659,"body":"a"},{"speaker":"Speaker 1","startTime":537.659,"endTime":537.659,"body":" "},{"speaker":"Speaker 1","startTime":537.699,"endTime":537.86,"body":"direct"},{"speaker":"Speaker 1","startTime":537.86,"endTime":537.86,"body":" "},{"speaker":"Speaker 1","startTime":537.98,"endTime":538.262,"body":"ending"},{"speaker":"Speaker 1","startTime":538.262,"endTime":538.262,"body":" "},{"speaker":"Speaker 1","startTime":538.482,"endTime":539.005,"body":"indexing"},{"speaker":"Speaker 1","startTime":539.005,"endTime":539.005,"body":" "},{"speaker":"Speaker 1","startTime":539.165,"endTime":539.607,"body":"structure"},{"speaker":"Speaker 1","startTime":539.607,"endTime":539.607,"body":","},{"speaker":"Speaker 1","startTime":539.607,"endTime":539.607,"body":" "},{"speaker":"Speaker 1","startTime":540.31,"endTime":540.41,"body":"you"},{"speaker":"Speaker 1","startTime":540.41,"endTime":540.41,"body":" "},{"speaker":"Speaker 1","startTime":540.45,"endTime":540.571,"body":"would"},{"speaker":"Speaker 1","startTime":540.571,"endTime":540.571,"body":" "},{"speaker":"Speaker 1","startTime":540.611,"endTime":540.751,"body":"have"},{"speaker":"Speaker 1","startTime":540.751,"endTime":540.751,"body":"."},{"speaker":"Speaker 1","startTime":540.751,"endTime":540.751,"body":" "},{"speaker":"Speaker 1","startTime":541.133,"endTime":541.213,"body":"You"},{"speaker":"Speaker 1","startTime":541.213,"endTime":541.213,"body":" "},{"speaker":"Speaker 1","startTime":541.233,"endTime":541.394,"body":"wouldn't"},{"speaker":"Speaker 1","startTime":541.394,"endTime":541.394,"body":" "},{"speaker":"Speaker 1","startTime":541.414,"endTime":541.494,"body":"have"},{"speaker":"Speaker 1","startTime":541.494,"endTime":541.494,"body":" "},{"speaker":"Speaker 1","startTime":541.555,"endTime":541.715,"body":"owned"},{"speaker":"Speaker 1","startTime":541.715,"endTime":541.715,"body":" "},{"speaker":"Speaker 1","startTime":541.755,"endTime":541.876,"body":"all"},{"speaker":"Speaker 1","startTime":541.876,"endTime":541.876,"body":" "},{"speaker":"Speaker 1","startTime":541.916,"endTime":542.318,"body":"500"},{"speaker":"Speaker 1","startTime":542.318,"endTime":542.318,"body":" "},{"speaker":"Speaker 1","startTime":542.358,"endTime":542.739,"body":"companies"},{"speaker":"Speaker 1","startTime":542.739,"endTime":542.739,"body":","},{"speaker":"Speaker 1","startTime":542.739,"endTime":542.739,"body":" "},{"speaker":"Speaker 1","startTime":542.759,"endTime":542.9,"body":"though"},{"speaker":"Speaker 1","startTime":542.9,"endTime":542.9,"body":","},{"speaker":"Speaker 1","startTime":542.9,"endTime":542.9,"body":" "},{"speaker":"Speaker 1","startTime":543.021,"endTime":543.242,"body":"right"},{"speaker":"Speaker 1","startTime":543.242,"endTime":543.242,"body":","},{"speaker":"Speaker 1","startTime":543.242,"endTime":543.242,"body":" "},{"speaker":"Speaker 1","startTime":543.322,"endTime":543.403,"body":"you"},{"speaker":"Speaker 1","startTime":543.403,"endTime":543.403,"body":" "},{"speaker":"Speaker 1","startTime":543.423,"endTime":543.563,"body":"would"},{"speaker":"Speaker 1","startTime":543.563,"endTime":543.563,"body":" "},{"speaker":"Speaker 1","startTime":543.624,"endTime":543.744,"body":"own"},{"speaker":"Speaker 1","startTime":543.744,"endTime":543.744,"body":" "},{"speaker":"Speaker 1","startTime":543.785,"endTime":543.825,"body":"a"},{"speaker":"Speaker 1","startTime":543.825,"endTime":543.825,"body":" "},{"speaker":"Speaker 1","startTime":543.905,"endTime":544.749,"body":"representation"},{"speaker":"Speaker 1","startTime":544.749,"endTime":544.749,"body":" "},{"speaker":"Speaker 1","startTime":544.81,"endTime":544.87,"body":"of"},{"speaker":"Speaker 1","startTime":544.87,"endTime":544.87,"body":" "},{"speaker":"Speaker 1","startTime":544.89,"endTime":544.991,"body":"the"},{"speaker":"Speaker 1","startTime":544.991,"endTime":544.991,"body":" "},{"speaker":"Speaker 1","startTime":545.031,"endTime":545.393,"body":"index"},{"speaker":"Speaker 1","startTime":545.393,"endTime":545.393,"body":"."},{"speaker":"Speaker 1","startTime":545.393,"endTime":545.393,"body":" "},{"speaker":"Speaker 1","startTime":545.594,"endTime":545.654,"body":"Is"},{"speaker":"Speaker 1","startTime":545.654,"endTime":545.654,"body":" "},{"speaker":"Speaker 1","startTime":545.674,"endTime":545.775,"body":"that"},{"speaker":"Speaker 1","startTime":545.775,"endTime":545.775,"body":" "},{"speaker":"Speaker 1","startTime":545.815,"endTime":546.056,"body":"correct"},{"speaker":"Speaker 1","startTime":546.056,"endTime":546.056,"body":"?"},{"speaker":"Speaker 1","startTime":546.056,"endTime":546.056,"body":" "},{"speaker":"Speaker 1","startTime":546.056,"endTime":546.056,"body":"\n"},{"speaker":"Speaker 2","startTime":546.237,"endTime":546.438,"body":"Right"},{"speaker":"Speaker 2","startTime":546.438,"endTime":546.438,"body":"."},{"speaker":"Speaker 2","startTime":546.438,"endTime":546.438,"body":" "},{"speaker":"Speaker 2","startTime":546.518,"endTime":546.659,"body":"Yeah"},{"speaker":"Speaker 2","startTime":546.659,"endTime":546.659,"body":","},{"speaker":"Speaker 2","startTime":546.659,"endTime":546.659,"body":" "},{"speaker":"Speaker 2","startTime":546.679,"endTime":546.82,"body":"that's"},{"speaker":"Speaker 2","startTime":546.82,"endTime":546.82,"body":" "},{"speaker":"Speaker 2","startTime":546.9,"endTime":547.141,"body":"correct"},{"speaker":"Speaker 2","startTime":547.141,"endTime":547.141,"body":"."},{"speaker":"Speaker 2","startTime":547.141,"endTime":547.141,"body":" "},{"speaker":"Speaker 2","startTime":547.181,"endTime":547.221,"body":"I"},{"speaker":"Speaker 2","startTime":547.221,"endTime":547.221,"body":" "},{"speaker":"Speaker 2","startTime":547.241,"endTime":547.341,"body":"mean"},{"speaker":"Speaker 2","startTime":547.341,"endTime":547.341,"body":","},{"speaker":"Speaker 2","startTime":547.341,"endTime":547.341,"body":" "},{"speaker":"Speaker 2","startTime":547.381,"endTime":547.441,"body":"if"},{"speaker":"Speaker 2","startTime":547.441,"endTime":547.441,"body":" "},{"speaker":"Speaker 2","startTime":547.462,"endTime":547.662,"body":"you're"},{"speaker":"Speaker 2","startTime":547.662,"endTime":547.662,"body":" "},{"speaker":"Speaker 2","startTime":547.702,"endTime":548.003,"body":"tracking"},{"speaker":"Speaker 2","startTime":548.003,"endTime":548.003,"body":" "},{"speaker":"Speaker 2","startTime":548.023,"endTime":548.123,"body":"the"},{"speaker":"Speaker 2","startTime":548.123,"endTime":548.123,"body":" "},{"speaker":"Speaker 2","startTime":548.143,"endTime":548.183,"body":"S\u0026P"},{"speaker":"Speaker 2","startTime":548.183,"endTime":548.183,"body":" "},{"speaker":"Speaker 2","startTime":548.203,"endTime":548.665,"body":"500"},{"speaker":"Speaker 2","startTime":548.665,"endTime":548.665,"body":","},{"speaker":"Speaker 2","startTime":548.665,"endTime":548.665,"body":" "},{"speaker":"Speaker 2","startTime":548.765,"endTime":548.825,"body":"it"},{"speaker":"Speaker 2","startTime":548.825,"endTime":548.825,"body":" "},{"speaker":"Speaker 2","startTime":548.845,"endTime":548.965,"body":"might"},{"speaker":"Speaker 2","startTime":548.965,"endTime":548.965,"body":" "},{"speaker":"Speaker 2","startTime":548.985,"endTime":549.065,"body":"be"},{"speaker":"Speaker 2","startTime":549.065,"endTime":549.065,"body":" "},{"speaker":"Speaker 2","startTime":549.106,"endTime":549.226,"body":"like"},{"speaker":"Speaker 2","startTime":549.226,"endTime":549.226,"body":" "},{"speaker":"Speaker 2","startTime":549.386,"endTime":550.549,"body":"300-ish"},{"speaker":"Speaker 2","startTime":550.549,"endTime":550.549,"body":","},{"speaker":"Speaker 2","startTime":550.549,"endTime":550.549,"body":" "},{"speaker":"Speaker 2","startTime":550.609,"endTime":550.81,"body":"but"},{"speaker":"Speaker 2","startTime":550.81,"endTime":550.81,"body":" "},{"speaker":"Speaker 2","startTime":551.01,"endTime":551.09,"body":"you"},{"speaker":"Speaker 2","startTime":551.09,"endTime":551.09,"body":" "},{"speaker":"Speaker 2","startTime":551.111,"endTime":551.231,"body":"know"},{"speaker":"Speaker 2","startTime":551.231,"endTime":551.231,"body":","},{"speaker":"Speaker 2","startTime":551.231,"endTime":551.231,"body":" "},{"speaker":"Speaker 2","startTime":551.311,"endTime":551.371,"body":"if"},{"speaker":"Speaker 2","startTime":551.371,"endTime":551.371,"body":" "},{"speaker":"Speaker 2","startTime":551.391,"endTime":551.552,"body":"you're"},{"speaker":"Speaker 2","startTime":551.552,"endTime":551.552,"body":" "},{"speaker":"Speaker 2","startTime":552.101,"endTime":552.322,"body":"tracking"},{"speaker":"Speaker 2","startTime":552.322,"endTime":552.322,"body":" "},{"speaker":"Speaker 2","startTime":552.342,"endTime":552.402,"body":"the"},{"speaker":"Speaker 2","startTime":552.402,"endTime":552.402,"body":" "},{"speaker":"Speaker 2","startTime":552.422,"endTime":552.563,"body":"rest"},{"speaker":"Speaker 2","startTime":552.563,"endTime":552.563,"body":" "},{"speaker":"Speaker 2","startTime":552.583,"endTime":552.623,"body":"of"},{"speaker":"Speaker 2","startTime":552.623,"endTime":552.623,"body":" "},{"speaker":"Speaker 2","startTime":552.663,"endTime":553.105,"body":"1000"},{"speaker":"Speaker 2","startTime":553.105,"endTime":553.105,"body":","},{"speaker":"Speaker 2","startTime":553.105,"endTime":553.105,"body":" "},{"speaker":"Speaker 2","startTime":553.145,"endTime":553.205,"body":"it"},{"speaker":"Speaker 2","startTime":553.205,"endTime":553.205,"body":" "},{"speaker":"Speaker 2","startTime":553.225,"endTime":553.346,"body":"could"},{"speaker":"Speaker 2","startTime":553.346,"endTime":553.346,"body":" "},{"speaker":"Speaker 2","startTime":553.366,"endTime":553.446,"body":"be"},{"speaker":"Speaker 2","startTime":553.446,"endTime":553.446,"body":" "},{"speaker":"Speaker 2","startTime":553.466,"endTime":553.587,"body":"like"},{"speaker":"Speaker 2","startTime":553.587,"endTime":553.587,"body":" "},{"speaker":"Speaker 2","startTime":553.627,"endTime":554.049,"body":"500"},{"speaker":"Speaker 2","startTime":554.049,"endTime":554.049,"body":"."},{"speaker":"Speaker 2","startTime":554.049,"endTime":554.049,"body":" "},{"speaker":"Speaker 2","startTime":554.109,"endTime":554.27,"body":"So"},{"speaker":"Speaker 2","startTime":554.27,"endTime":554.27,"body":","},{"speaker":"Speaker 2","startTime":554.27,"endTime":554.27,"body":" "},{"speaker":"Speaker 2","startTime":554.611,"endTime":554.792,"body":"again"},{"speaker":"Speaker 2","startTime":554.792,"endTime":554.792,"body":","},{"speaker":"Speaker 2","startTime":554.792,"endTime":554.792,"body":" "},{"speaker":"Speaker 2","startTime":554.872,"endTime":554.993,"body":"it's"},{"speaker":"Speaker 2","startTime":554.993,"endTime":554.993,"body":" "},{"speaker":"Speaker 2","startTime":555.033,"endTime":555.214,"body":"just"},{"speaker":"Speaker 2","startTime":555.214,"endTime":555.214,"body":" "},{"speaker":"Speaker 2","startTime":555.294,"endTime":555.475,"body":"more"},{"speaker":"Speaker 2","startTime":555.475,"endTime":555.475,"body":" "},{"speaker":"Speaker 2","startTime":555.575,"endTime":556.258,"body":"opportunities"},{"speaker":"Speaker 2","startTime":556.258,"endTime":556.258,"body":" "},{"speaker":"Speaker 2","startTime":556.459,"endTime":556.58,"body":"with"},{"speaker":"Speaker 2","startTime":556.58,"endTime":556.58,"body":" "},{"speaker":"Speaker 2","startTime":556.6,"endTime":556.66,"body":"the"},{"speaker":"Speaker 2","startTime":556.66,"endTime":556.66,"body":" "},{"speaker":"Speaker 2","startTime":556.72,"endTime":557.121,"body":"quantity"},{"speaker":"Speaker 2","startTime":557.121,"endTime":557.121,"body":" "},{"speaker":"Speaker 2","startTime":557.161,"endTime":557.221,"body":"of"},{"speaker":"Speaker 2","startTime":557.221,"endTime":557.221,"body":" "},{"speaker":"Speaker 2","startTime":557.261,"endTime":557.622,"body":"stocks"},{"speaker":"Speaker 2","startTime":557.622,"endTime":557.622,"body":","},{"speaker":"Speaker 2","startTime":557.622,"endTime":557.622,"body":" "},{"speaker":"Speaker 2","startTime":558.083,"endTime":558.264,"body":"more"},{"speaker":"Speaker 2","startTime":558.264,"endTime":558.264,"body":" "},{"speaker":"Speaker 2","startTime":558.304,"endTime":558.845,"body":"opportunities"},{"speaker":"Speaker 2","startTime":558.845,"endTime":558.845,"body":" "},{"speaker":"Speaker 2","startTime":558.885,"endTime":558.985,"body":"to"},{"speaker":"Speaker 2","startTime":558.985,"endTime":558.985,"body":" "},{"speaker":"Speaker 2","startTime":559.025,"endTime":559.326,"body":"realize"},{"speaker":"Speaker 2","startTime":559.326,"endTime":559.326,"body":" "},{"speaker":"Speaker 2","startTime":559.346,"endTime":559.506,"body":"those"},{"speaker":"Speaker 2","startTime":559.506,"endTime":559.506,"body":" "},{"speaker":"Speaker 2","startTime":559.547,"endTime":559.787,"body":"losses"},{"speaker":"Speaker 2","startTime":559.787,"endTime":559.787,"body":"."},{"speaker":"Speaker 2","startTime":559.787,"endTime":559.787,"body":" "},{"speaker":"Speaker 2","startTime":559.787,"endTime":559.787,"body":"\n"},{"speaker":"Speaker 1","startTime":559.867,"endTime":560.048,"body":"So"},{"speaker":"Speaker 1","startTime":560.048,"endTime":560.048,"body":" "},{"speaker":"Speaker 1","startTime":560.409,"endTime":560.549,"body":"you"},{"speaker":"Speaker 1","startTime":560.549,"endTime":560.549,"body":" "},{"speaker":"Speaker 1","startTime":560.589,"endTime":560.809,"body":"buy"},{"speaker":"Speaker 1","startTime":560.809,"endTime":560.809,"body":" "},{"speaker":"Speaker 1","startTime":560.89,"endTime":560.93,"body":"a"},{"speaker":"Speaker 1","startTime":560.93,"endTime":560.93,"body":" "},{"speaker":"Speaker 1","startTime":561.01,"endTime":562.032,"body":"representation"},{"speaker":"Speaker 1","startTime":562.032,"endTime":562.032,"body":" "},{"speaker":"Speaker 1","startTime":562.133,"endTime":562.213,"body":"of"},{"speaker":"Speaker 1","startTime":562.213,"endTime":562.213,"body":" "},{"speaker":"Speaker 1","startTime":562.253,"endTime":562.333,"body":"the"},{"speaker":"Speaker 1","startTime":562.333,"endTime":562.333,"body":" "},{"speaker":"Speaker 1","startTime":562.42,"endTime":562.921,"body":"index"},{"speaker":"Speaker 1","startTime":562.921,"endTime":562.921,"body":" "},{"speaker":"Speaker 1","startTime":563.362,"endTime":563.703,"body":"Correct"},{"speaker":"Speaker 1","startTime":563.703,"endTime":563.703,"body":" "},{"speaker":"Speaker 1","startTime":564.064,"endTime":564.204,"body":"and"},{"speaker":"Speaker 1","startTime":564.204,"endTime":564.204,"body":" "},{"speaker":"Speaker 1","startTime":564.525,"endTime":564.625,"body":"the"},{"speaker":"Speaker 1","startTime":564.625,"endTime":564.625,"body":" "},{"speaker":"Speaker 1","startTime":564.705,"endTime":565.166,"body":"software"},{"speaker":"Speaker 1","startTime":565.166,"endTime":565.166,"body":" "},{"speaker":"Speaker 1","startTime":565.186,"endTime":565.447,"body":"that's"},{"speaker":"Speaker 1","startTime":565.447,"endTime":565.447,"body":" "},{"speaker":"Speaker 1","startTime":565.507,"endTime":565.627,"body":"used"},{"speaker":"Speaker 1","startTime":565.627,"endTime":565.627,"body":" "},{"speaker":"Speaker 1","startTime":565.647,"endTime":565.727,"body":"to"},{"speaker":"Speaker 1","startTime":565.727,"endTime":565.727,"body":" "},{"speaker":"Speaker 1","startTime":565.767,"endTime":565.908,"body":"do"},{"speaker":"Speaker 1","startTime":565.908,"endTime":565.908,"body":" "},{"speaker":"Speaker 1","startTime":565.948,"endTime":566.168,"body":"this"},{"speaker":"Speaker 1","startTime":566.168,"endTime":566.168,"body":","},{"speaker":"Speaker 1","startTime":566.168,"endTime":566.168,"body":" "},{"speaker":"Speaker 1","startTime":566.89,"endTime":567.01,"body":"even"},{"speaker":"Speaker 1","startTime":567.01,"endTime":567.01,"body":" "},{"speaker":"Speaker 1","startTime":567.05,"endTime":567.171,"body":"though"},{"speaker":"Speaker 1","startTime":567.171,"endTime":567.171,"body":" "},{"speaker":"Speaker 1","startTime":567.191,"endTime":567.271,"body":"you"},{"speaker":"Speaker 1","startTime":567.271,"endTime":567.271,"body":" "},{"speaker":"Speaker 1","startTime":567.291,"endTime":567.431,"body":"don't"},{"speaker":"Speaker 1","startTime":567.431,"endTime":567.431,"body":" "},{"speaker":"Speaker 1","startTime":567.571,"endTime":567.692,"body":"own"},{"speaker":"Speaker 1","startTime":567.692,"endTime":567.692,"body":" "},{"speaker":"Speaker 1","startTime":567.872,"endTime":568.012,"body":"all"},{"speaker":"Speaker 1","startTime":568.012,"endTime":568.012,"body":" "},{"speaker":"Speaker 1","startTime":568.052,"endTime":568.113,"body":"the"},{"speaker":"Speaker 1","startTime":568.113,"endTime":568.113,"body":" "},{"speaker":"Speaker 1","startTime":568.173,"endTime":568.594,"body":"companies"},{"speaker":"Speaker 1","startTime":568.594,"endTime":568.594,"body":"."},{"speaker":"Speaker 1","startTime":568.594,"endTime":568.594,"body":" "},{"speaker":"Speaker 1","startTime":569.48,"endTime":569.541,"body":"It"},{"speaker":"Speaker 1","startTime":569.541,"endTime":569.541,"body":" "},{"speaker":"Speaker 1","startTime":569.581,"endTime":569.701,"body":"has"},{"speaker":"Speaker 1","startTime":569.701,"endTime":569.701,"body":" "},{"speaker":"Speaker 1","startTime":569.721,"endTime":569.741,"body":"a"},{"speaker":"Speaker 1","startTime":569.741,"endTime":569.741,"body":" "},{"speaker":"Speaker 1","startTime":569.821,"endTime":570.042,"body":"pretty"},{"speaker":"Speaker 1","startTime":570.042,"endTime":570.042,"body":" "},{"speaker":"Speaker 1","startTime":570.102,"endTime":570.242,"body":"low"},{"speaker":"Speaker 1","startTime":570.242,"endTime":570.242,"body":" "},{"speaker":"Speaker 1","startTime":570.282,"endTime":570.684,"body":"tracking"},{"speaker":"Speaker 1","startTime":570.684,"endTime":570.684,"body":" "},{"speaker":"Speaker 1","startTime":571.044,"endTime":571.245,"body":"error"},{"speaker":"Speaker 1","startTime":571.245,"endTime":571.245,"body":"."},{"speaker":"Speaker 1","startTime":571.245,"endTime":571.245,"body":" "},{"speaker":"Speaker 1","startTime":571.365,"endTime":571.425,"body":"Is"},{"speaker":"Speaker 1","startTime":571.425,"endTime":571.425,"body":" "},{"speaker":"Speaker 1","startTime":571.445,"endTime":571.586,"body":"that"},{"speaker":"Speaker 1","startTime":571.586,"endTime":571.586,"body":" "},{"speaker":"Speaker 1","startTime":571.606,"endTime":571.907,"body":"correct"},{"speaker":"Speaker 1","startTime":571.907,"endTime":571.907,"body":"?"},{"speaker":"Speaker 1","startTime":571.907,"endTime":571.907,"body":" "},{"speaker":"Speaker 1","startTime":571.907,"endTime":571.907,"body":"\n"},{"speaker":"Speaker 2","startTime":572.408,"endTime":572.588,"body":"That's"},{"speaker":"Speaker 2","startTime":572.588,"endTime":572.588,"body":" "},{"speaker":"Speaker 2","startTime":572.628,"endTime":572.909,"body":"correct"},{"speaker":"Speaker 2","startTime":572.909,"endTime":572.909,"body":"."},{"speaker":"Speaker 2","startTime":572.909,"endTime":572.909,"body":" "},{"speaker":"Speaker 2","startTime":573.029,"endTime":573.29,"body":"And"},{"speaker":"Speaker 2","startTime":573.29,"endTime":573.29,"body":" "},{"speaker":"Speaker 2","startTime":573.35,"endTime":573.571,"body":"the"},{"speaker":"Speaker 2","startTime":573.571,"endTime":573.571,"body":" "},{"speaker":"Speaker 2","startTime":573.751,"endTime":574.273,"body":"software"},{"speaker":"Speaker 2","startTime":574.273,"endTime":574.273,"body":","},{"speaker":"Speaker 2","startTime":574.273,"endTime":574.273,"body":" "},{"speaker":"Speaker 2","startTime":575.14,"endTime":575.2,"body":"you"},{"speaker":"Speaker 2","startTime":575.2,"endTime":575.2,"body":" "},{"speaker":"Speaker 2","startTime":575.22,"endTime":575.301,"body":"know"},{"speaker":"Speaker 2","startTime":575.301,"endTime":575.301,"body":" "},{"speaker":"Speaker 2","startTime":575.321,"endTime":575.401,"body":"it's"},{"speaker":"Speaker 2","startTime":575.401,"endTime":575.401,"body":" "},{"speaker":"Speaker 2","startTime":575.461,"endTime":575.501,"body":"a"},{"speaker":"Speaker 2","startTime":575.501,"endTime":575.501,"body":" "},{"speaker":"Speaker 2","startTime":575.541,"endTime":576.062,"body":"systematic"},{"speaker":"Speaker 2","startTime":576.062,"endTime":576.062,"body":" "},{"speaker":"Speaker 2","startTime":576.122,"endTime":576.704,"body":"process"},{"speaker":"Speaker 2","startTime":576.704,"endTime":576.704,"body":" "},{"speaker":"Speaker 2","startTime":576.744,"endTime":576.924,"body":"that"},{"speaker":"Speaker 2","startTime":576.924,"endTime":576.924,"body":" "},{"speaker":"Speaker 2","startTime":577.044,"endTime":577.826,"body":"optimizes"},{"speaker":"Speaker 2","startTime":577.826,"endTime":577.826,"body":" "},{"speaker":"Speaker 2","startTime":578.207,"endTime":578.447,"body":"the"},{"speaker":"Speaker 2","startTime":578.447,"endTime":578.447,"body":" "},{"speaker":"Speaker 2","startTime":578.587,"endTime":579.088,"body":"portfolio"},{"speaker":"Speaker 2","startTime":579.088,"endTime":579.088,"body":" "},{"speaker":"Speaker 2","startTime":579.129,"endTime":579.81,"body":"rebalancing"},{"speaker":"Speaker 2","startTime":579.81,"endTime":579.81,"body":" "},{"speaker":"Speaker 2","startTime":579.95,"endTime":580.191,"body":"to"},{"speaker":"Speaker 2","startTime":580.191,"endTime":580.191,"body":" "},{"speaker":"Speaker 2","startTime":580.271,"endTime":580.451,"body":"this"},{"speaker":"Speaker 2","startTime":580.451,"endTime":580.451,"body":" "},{"speaker":"Speaker 2","startTime":580.572,"endTime":580.972,"body":"index"},{"speaker":"Speaker 2","startTime":580.972,"endTime":580.972,"body":"."},{"speaker":"Speaker 2","startTime":580.972,"endTime":580.972,"body":" "},{"speaker":"Speaker 2","startTime":581.213,"endTime":581.293,"body":"And"},{"speaker":"Speaker 2","startTime":581.293,"endTime":581.293,"body":","},{"speaker":"Speaker 2","startTime":581.293,"endTime":581.293,"body":" "},{"speaker":"Speaker 2","startTime":581.761,"endTime":581.841,"body":"you"},{"speaker":"Speaker 2","startTime":581.841,"endTime":581.841,"body":" "},{"speaker":"Speaker 2","startTime":581.881,"endTime":582.002,"body":"know"},{"speaker":"Speaker 2","startTime":582.002,"endTime":582.002,"body":","},{"speaker":"Speaker 2","startTime":582.002,"endTime":582.002,"body":" "},{"speaker":"Speaker 2","startTime":582.102,"endTime":582.504,"body":"depending"},{"speaker":"Speaker 2","startTime":582.504,"endTime":582.504,"body":" "},{"speaker":"Speaker 2","startTime":582.685,"endTime":582.766,"body":"on"},{"speaker":"Speaker 2","startTime":582.766,"endTime":582.766,"body":" "},{"speaker":"Speaker 2","startTime":582.826,"endTime":583.208,"body":"whether"},{"speaker":"Speaker 2","startTime":583.208,"endTime":583.208,"body":" "},{"speaker":"Speaker 2","startTime":583.952,"endTime":584.032,"body":"you"},{"speaker":"Speaker 2","startTime":584.032,"endTime":584.032,"body":" "},{"speaker":"Speaker 2","startTime":584.052,"endTime":584.153,"body":"know"},{"speaker":"Speaker 2","startTime":584.153,"endTime":584.153,"body":" "},{"speaker":"Speaker 2","startTime":584.173,"endTime":584.293,"body":"you're"},{"speaker":"Speaker 2","startTime":584.293,"endTime":584.293,"body":" "},{"speaker":"Speaker 2","startTime":584.313,"endTime":584.535,"body":"coming"},{"speaker":"Speaker 2","startTime":584.535,"endTime":584.535,"body":" "},{"speaker":"Speaker 2","startTime":584.575,"endTime":584.635,"body":"in"},{"speaker":"Speaker 2","startTime":584.635,"endTime":584.635,"body":","},{"speaker":"Speaker 2","startTime":584.635,"endTime":584.635,"body":" "},{"speaker":"Speaker 2","startTime":584.655,"endTime":584.756,"body":"so"},{"speaker":"Speaker 2","startTime":584.756,"endTime":584.756,"body":" "},{"speaker":"Speaker 2","startTime":584.796,"endTime":584.836,"body":"to"},{"speaker":"Speaker 2","startTime":584.836,"endTime":584.836,"body":" "},{"speaker":"Speaker 2","startTime":584.856,"endTime":584.977,"body":"say"},{"speaker":"Speaker 2","startTime":584.977,"endTime":584.977,"body":","},{"speaker":"Speaker 2","startTime":584.977,"endTime":584.977,"body":" "},{"speaker":"Speaker 2","startTime":584.997,"endTime":585.057,"body":"if"},{"speaker":"Speaker 2","startTime":585.057,"endTime":585.057,"body":" "},{"speaker":"Speaker 2","startTime":585.077,"endTime":585.158,"body":"you"},{"speaker":"Speaker 2","startTime":585.158,"endTime":585.158,"body":" "},{"speaker":"Speaker 2","startTime":585.178,"endTime":585.258,"body":"come"},{"speaker":"Speaker 2","startTime":585.258,"endTime":585.258,"body":" "},{"speaker":"Speaker 2","startTime":585.278,"endTime":585.339,"body":"in"},{"speaker":"Speaker 2","startTime":585.339,"endTime":585.339,"body":" "},{"speaker":"Speaker 2","startTime":585.359,"endTime":585.439,"body":"with"},{"speaker":"Speaker 2","startTime":585.439,"endTime":585.439,"body":" "},{"speaker":"Speaker 2","startTime":585.479,"endTime":585.6,"body":"fresh"},{"speaker":"Speaker 2","startTime":585.6,"endTime":585.6,"body":" "},{"speaker":"Speaker 2","startTime":585.68,"endTime":586.002,"body":"cash"},{"speaker":"Speaker 2","startTime":586.002,"endTime":586.002,"body":","},{"speaker":"Speaker 2","startTime":586.002,"endTime":586.002,"body":" "},{"speaker":"Speaker 2","startTime":586.042,"endTime":586.182,"body":"it's"},{"speaker":"Speaker 2","startTime":586.182,"endTime":586.182,"body":","},{"speaker":"Speaker 2","startTime":586.182,"endTime":586.182,"body":" "},{"speaker":"Speaker 2","startTime":586.323,"endTime":586.383,"body":"you"},{"speaker":"Speaker 2","startTime":586.383,"endTime":586.383,"body":" "},{"speaker":"Speaker 2","startTime":586.403,"endTime":586.484,"body":"know"},{"speaker":"Speaker 2","startTime":586.484,"endTime":586.484,"body":","},{"speaker":"Speaker 2","startTime":586.484,"endTime":586.484,"body":" "},{"speaker":"Speaker 2","startTime":586.544,"endTime":586.986,"body":"optimized"},{"speaker":"Speaker 2","startTime":586.986,"endTime":586.986,"body":" "},{"speaker":"Speaker 2","startTime":587.287,"endTime":587.749,"body":"immediately"},{"speaker":"Speaker 2","startTime":587.749,"endTime":587.749,"body":" "},{"speaker":"Speaker 2","startTime":588.372,"endTime":588.452,"body":"and"},{"speaker":"Speaker 2","startTime":588.452,"endTime":588.452,"body":" "},{"speaker":"Speaker 2","startTime":588.472,"endTime":588.512,"body":"it"},{"speaker":"Speaker 2","startTime":588.512,"endTime":588.512,"body":" "},{"speaker":"Speaker 2","startTime":588.552,"endTime":588.713,"body":"has"},{"speaker":"Speaker 2","startTime":588.713,"endTime":588.713,"body":" "},{"speaker":"Speaker 2","startTime":588.753,"endTime":588.773,"body":"a"},{"speaker":"Speaker 2","startTime":588.773,"endTime":588.773,"body":" "},{"speaker":"Speaker 2","startTime":588.813,"endTime":588.974,"body":"very"},{"speaker":"Speaker 2","startTime":588.974,"endTime":588.974,"body":" "},{"speaker":"Speaker 2","startTime":589.034,"endTime":589.255,"body":"tight"},{"speaker":"Speaker 2","startTime":589.255,"endTime":589.255,"body":" "},{"speaker":"Speaker 2","startTime":589.296,"endTime":589.597,"body":"tracking"},{"speaker":"Speaker 2","startTime":589.597,"endTime":589.597,"body":" "},{"speaker":"Speaker 2","startTime":589.617,"endTime":589.818,"body":"error"},{"speaker":"Speaker 2","startTime":589.818,"endTime":589.818,"body":" "},{"speaker":"Speaker 2","startTime":589.858,"endTime":589.938,"body":"to"},{"speaker":"Speaker 2","startTime":589.938,"endTime":589.938,"body":" "},{"speaker":"Speaker 2","startTime":589.958,"endTime":590.079,"body":"that"},{"speaker":"Speaker 2","startTime":590.079,"endTime":590.079,"body":" "},{"speaker":"Speaker 2","startTime":590.159,"endTime":590.34,"body":"index"},{"speaker":"Speaker 2","startTime":590.34,"endTime":590.34,"body":"."},{"speaker":"Speaker 2","startTime":590.34,"endTime":590.34,"body":" "},{"speaker":"Speaker 2","startTime":590.52,"endTime":590.641,"body":"But"},{"speaker":"Speaker 2","startTime":590.641,"endTime":590.641,"body":" "},{"speaker":"Speaker 2","startTime":590.681,"endTime":590.741,"body":"if"},{"speaker":"Speaker 2","startTime":590.741,"endTime":590.741,"body":" "},{"speaker":"Speaker 2","startTime":590.761,"endTime":590.941,"body":"you're"},{"speaker":"Speaker 2","startTime":590.941,"endTime":590.941,"body":" "},{"speaker":"Speaker 2","startTime":590.982,"endTime":591.222,"body":"coming"},{"speaker":"Speaker 2","startTime":591.222,"endTime":591.222,"body":" "},{"speaker":"Speaker 2","startTime":591.282,"endTime":591.362,"body":"in"},{"speaker":"Speaker 2","startTime":591.362,"endTime":591.362,"body":" "},{"speaker":"Speaker 2","startTime":591.403,"endTime":591.563,"body":"with"},{"speaker":"Speaker 2","startTime":591.563,"endTime":591.563,"body":","},{"speaker":"Speaker 2","startTime":591.563,"endTime":591.563,"body":" "},{"speaker":"Speaker 2","startTime":592.044,"endTime":592.225,"body":"just"},{"speaker":"Speaker 2","startTime":592.225,"endTime":592.225,"body":" "},{"speaker":"Speaker 2","startTime":592.245,"endTime":593.006,"body":"say"},{"speaker":"Speaker 2","startTime":593.006,"endTime":593.006,"body":","},{"speaker":"Speaker 2","startTime":593.006,"endTime":593.006,"body":" "},{"speaker":"Speaker 2","startTime":593.367,"endTime":593.468,"body":"you"},{"speaker":"Speaker 2","startTime":593.468,"endTime":593.468,"body":" "},{"speaker":"Speaker 2","startTime":593.488,"endTime":593.628,"body":"know"},{"speaker":"Speaker 2","startTime":593.628,"endTime":593.628,"body":","},{"speaker":"Speaker 2","startTime":593.628,"endTime":593.628,"body":" "},{"speaker":"Speaker 2","startTime":593.748,"endTime":593.889,"body":"low"},{"speaker":"Speaker 2","startTime":593.889,"endTime":593.889,"body":" "},{"speaker":"Speaker 2","startTime":593.909,"endTime":594.269,"body":"basis"},{"speaker":"Speaker 2","startTime":594.269,"endTime":594.269,"body":" "},{"speaker":"Speaker 2","startTime":594.33,"endTime":594.691,"body":"stocks"},{"speaker":"Speaker 2","startTime":594.691,"endTime":594.691,"body":","},{"speaker":"Speaker 2","startTime":594.691,"endTime":594.691,"body":" "},{"speaker":"Speaker 2","startTime":595.091,"endTime":595.152,"body":"you"},{"speaker":"Speaker 2","startTime":595.152,"endTime":595.152,"body":" "},{"speaker":"Speaker 2","startTime":595.172,"endTime":595.272,"body":"know"},{"speaker":"Speaker 2","startTime":595.272,"endTime":595.272,"body":","},{"speaker":"Speaker 2","startTime":595.272,"endTime":595.272,"body":" "},{"speaker":"Speaker 2","startTime":595.292,"endTime":595.392,"body":"just"},{"speaker":"Speaker 2","startTime":595.392,"endTime":595.392,"body":" "},{"speaker":"Speaker 2","startTime":595.412,"endTime":595.533,"body":"say"},{"speaker":"Speaker 2","startTime":595.533,"endTime":595.533,"body":" "},{"speaker":"Speaker 2","startTime":595.553,"endTime":595.733,"body":"you're"},{"speaker":"Speaker 2","startTime":595.733,"endTime":595.733,"body":" "},{"speaker":"Speaker 2","startTime":597.421,"endTime":597.461,"body":"an"},{"speaker":"Speaker 2","startTime":597.461,"endTime":597.461,"body":" "},{"speaker":"Speaker 2","startTime":597.501,"endTime":597.883,"body":"executive"},{"speaker":"Speaker 2","startTime":597.883,"endTime":597.883,"body":" "},{"speaker":"Speaker 2","startTime":597.923,"endTime":597.963,"body":"at"},{"speaker":"Speaker 2","startTime":597.963,"endTime":597.963,"body":" "},{"speaker":"Speaker 2","startTime":598.003,"endTime":598.144,"body":"Home"},{"speaker":"Speaker 2","startTime":598.144,"endTime":598.144,"body":" "},{"speaker":"Speaker 2","startTime":598.184,"endTime":598.545,"body":"Depot"},{"speaker":"Speaker 2","startTime":598.545,"endTime":598.545,"body":" "},{"speaker":"Speaker 2","startTime":599.088,"endTime":599.148,"body":"or"},{"speaker":"Speaker 2","startTime":599.148,"endTime":599.148,"body":" "},{"speaker":"Speaker 2","startTime":599.188,"endTime":599.429,"body":"someone"},{"speaker":"Speaker 2","startTime":599.429,"endTime":599.429,"body":" "},{"speaker":"Speaker 2","startTime":599.449,"endTime":599.57,"body":"that"},{"speaker":"Speaker 2","startTime":599.57,"endTime":599.57,"body":" "},{"speaker":"Speaker 2","startTime":599.63,"endTime":599.911,"body":"has"},{"speaker":"Speaker 2","startTime":599.911,"endTime":599.911,"body":" "},{"speaker":"Speaker 2","startTime":600.072,"endTime":600.112,"body":"a"},{"speaker":"Speaker 2","startTime":600.112,"endTime":600.112,"body":" "},{"speaker":"Speaker 2","startTime":600.172,"endTime":600.313,"body":"lot"},{"speaker":"Speaker 2","startTime":600.313,"endTime":600.313,"body":" "},{"speaker":"Speaker 2","startTime":600.353,"endTime":600.393,"body":"of"},{"speaker":"Speaker 2","startTime":600.393,"endTime":600.393,"body":" "},{"speaker":"Speaker 2","startTime":600.473,"endTime":600.614,"body":"Home"},{"speaker":"Speaker 2","startTime":600.614,"endTime":600.614,"body":" "},{"speaker":"Speaker 2","startTime":600.634,"endTime":600.915,"body":"Depot"},{"speaker":"Speaker 2","startTime":600.915,"endTime":600.915,"body":" "},{"speaker":"Speaker 2","startTime":600.955,"endTime":601.257,"body":"stock"},{"speaker":"Speaker 2","startTime":601.257,"endTime":601.257,"body":","},{"speaker":"Speaker 2","startTime":601.257,"endTime":601.257,"body":" "},{"speaker":"Speaker 2","startTime":601.277,"endTime":601.739,"body":"you're"},{"speaker":"Speaker 2","startTime":601.739,"endTime":601.739,"body":" "},{"speaker":"Speaker 2","startTime":601.759,"endTime":601.939,"body":"probably"},{"speaker":"Speaker 2","startTime":601.939,"endTime":601.939,"body":" "},{"speaker":"Speaker 2","startTime":601.959,"endTime":602.1,"body":"going"},{"speaker":"Speaker 2","startTime":602.1,"endTime":602.1,"body":" "},{"speaker":"Speaker 2","startTime":602.18,"endTime":602.221,"body":"to"},{"speaker":"Speaker 2","startTime":602.221,"endTime":602.221,"body":" "},{"speaker":"Speaker 2","startTime":602.241,"endTime":602.341,"body":"have"},{"speaker":"Speaker 2","startTime":602.341,"endTime":602.341,"body":" "},{"speaker":"Speaker 2","startTime":602.381,"endTime":602.401,"body":"a"},{"speaker":"Speaker 2","startTime":602.401,"endTime":602.401,"body":" "},{"speaker":"Speaker 2","startTime":602.542,"endTime":602.783,"body":"big"},{"speaker":"Speaker 2","startTime":602.783,"endTime":602.783,"body":" "},{"speaker":"Speaker 2","startTime":602.863,"endTime":603.245,"body":"unrealized"},{"speaker":"Speaker 2","startTime":603.245,"endTime":603.245,"body":" "},{"speaker":"Speaker 2","startTime":603.285,"endTime":603.446,"body":"gain"},{"speaker":"Speaker 2","startTime":603.446,"endTime":603.446,"body":" "},{"speaker":"Speaker 2","startTime":603.466,"endTime":603.547,"body":"in"},{"speaker":"Speaker 2","startTime":603.547,"endTime":603.547,"body":" "},{"speaker":"Speaker 2","startTime":603.567,"endTime":603.747,"body":"that"},{"speaker":"Speaker 2","startTime":603.747,"endTime":603.747,"body":"."},{"speaker":"Speaker 2","startTime":603.747,"endTime":603.747,"body":" "},{"speaker":"Speaker 2","startTime":603.828,"endTime":604.069,"body":"So"},{"speaker":"Speaker 2","startTime":604.069,"endTime":604.069,"body":" "},{"speaker":"Speaker 2","startTime":604.551,"endTime":604.732,"body":"the"},{"speaker":"Speaker 2","startTime":604.732,"endTime":604.732,"body":" "},{"speaker":"Speaker 2","startTime":604.812,"endTime":605.053,"body":"tracking"},{"speaker":"Speaker 2","startTime":605.053,"endTime":605.053,"body":" "},{"speaker":"Speaker 2","startTime":605.074,"endTime":605.174,"body":"error"},{"speaker":"Speaker 2","startTime":605.174,"endTime":605.174,"body":" "},{"speaker":"Speaker 2","startTime":605.194,"endTime":605.315,"body":"might"},{"speaker":"Speaker 2","startTime":605.315,"endTime":605.315,"body":" "},{"speaker":"Speaker 2","startTime":605.335,"endTime":605.395,"body":"be"},{"speaker":"Speaker 2","startTime":605.395,"endTime":605.395,"body":" "},{"speaker":"Speaker 2","startTime":605.415,"endTime":605.435,"body":"a"},{"speaker":"Speaker 2","startTime":605.435,"endTime":605.435,"body":" "},{"speaker":"Speaker 2","startTime":605.455,"endTime":605.596,"body":"little"},{"speaker":"Speaker 2","startTime":605.596,"endTime":605.596,"body":" "},{"speaker":"Speaker 2","startTime":605.616,"endTime":605.716,"body":"bit"},{"speaker":"Speaker 2","startTime":605.716,"endTime":605.716,"body":" "},{"speaker":"Speaker 2","startTime":605.757,"endTime":606.078,"body":"wider"},{"speaker":"Speaker 2","startTime":606.078,"endTime":606.078,"body":" "},{"speaker":"Speaker 2","startTime":606.299,"endTime":606.5,"body":"starting"},{"speaker":"Speaker 2","startTime":606.5,"endTime":606.5,"body":" "},{"speaker":"Speaker 2","startTime":606.64,"endTime":606.761,"body":"out"},{"speaker":"Speaker 2","startTime":606.761,"endTime":606.761,"body":" "},{"speaker":"Speaker 2","startTime":606.801,"endTime":606.921,"body":"but"},{"speaker":"Speaker 2","startTime":606.921,"endTime":606.921,"body":" "},{"speaker":"Speaker 2","startTime":607.002,"endTime":607.202,"body":"over"},{"speaker":"Speaker 2","startTime":607.202,"endTime":607.202,"body":" "},{"speaker":"Speaker 2","startTime":607.242,"endTime":607.724,"body":"time"},{"speaker":"Speaker 2","startTime":607.724,"endTime":607.724,"body":" "},{"speaker":"Speaker 2","startTime":607.924,"endTime":608.125,"body":"this"},{"speaker":"Speaker 2","startTime":608.125,"endTime":608.125,"body":" "},{"speaker":"Speaker 2","startTime":608.887,"endTime":609.71,"body":"software"},{"speaker":"Speaker 2","startTime":609.71,"endTime":609.71,"body":" "},{"speaker":"Speaker 2","startTime":609.87,"endTime":610.111,"body":"will"},{"speaker":"Speaker 2","startTime":610.111,"endTime":610.111,"body":" "},{"speaker":"Speaker 2","startTime":610.191,"endTime":610.913,"body":"systematically"},{"speaker":"Speaker 2","startTime":610.913,"endTime":610.913,"body":","},{"speaker":"Speaker 2","startTime":610.913,"endTime":610.913,"body":" "},{"speaker":"Speaker 2","startTime":611.295,"endTime":611.355,"body":"you"},{"speaker":"Speaker 2","startTime":611.355,"endTime":611.355,"body":" "},{"speaker":"Speaker 2","startTime":611.375,"endTime":611.495,"body":"know"},{"speaker":"Speaker 2","startTime":611.495,"endTime":611.495,"body":","},{"speaker":"Speaker 2","startTime":611.495,"endTime":611.495,"body":" "},{"speaker":"Speaker 2","startTime":611.555,"endTime":611.656,"body":"get"},{"speaker":"Speaker 2","startTime":611.656,"endTime":611.656,"body":" "},{"speaker":"Speaker 2","startTime":611.696,"endTime":611.796,"body":"you"},{"speaker":"Speaker 2","startTime":611.796,"endTime":611.796,"body":" "},{"speaker":"Speaker 2","startTime":611.836,"endTime":612.197,"body":"closer"},{"speaker":"Speaker 2","startTime":612.197,"endTime":612.197,"body":" "},{"speaker":"Speaker 2","startTime":612.579,"endTime":612.659,"body":"to"},{"speaker":"Speaker 2","startTime":612.659,"endTime":612.659,"body":" "},{"speaker":"Speaker 2","startTime":612.679,"endTime":612.799,"body":"that"},{"speaker":"Speaker 2","startTime":612.799,"endTime":612.799,"body":" "},{"speaker":"Speaker 2","startTime":612.819,"endTime":613.06,"body":"tracking"},{"speaker":"Speaker 2","startTime":613.06,"endTime":613.06,"body":" "},{"speaker":"Speaker 2","startTime":613.14,"endTime":613.321,"body":"error"},{"speaker":"Speaker 2","startTime":613.321,"endTime":613.321,"body":","},{"speaker":"Speaker 2","startTime":613.321,"endTime":613.321,"body":" "},{"speaker":"Speaker 2","startTime":613.441,"endTime":613.561,"body":"to"},{"speaker":"Speaker 2","startTime":613.561,"endTime":613.561,"body":" "},{"speaker":"Speaker 2","startTime":613.581,"endTime":613.601,"body":"a"},{"speaker":"Speaker 2","startTime":613.601,"endTime":613.601,"body":" "},{"speaker":"Speaker 2","startTime":613.662,"endTime":613.922,"body":"smaller"},{"speaker":"Speaker 2","startTime":613.922,"endTime":613.922,"body":" "},{"speaker":"Speaker 2","startTime":613.962,"endTime":614.243,"body":"tracking"},{"speaker":"Speaker 2","startTime":614.243,"endTime":614.243,"body":" "},{"speaker":"Speaker 2","startTime":614.263,"endTime":614.444,"body":"error"},{"speaker":"Speaker 2","startTime":614.444,"endTime":614.444,"body":"."},{"speaker":"Speaker 2","startTime":614.444,"endTime":614.444,"body":" "},{"speaker":"Speaker 2","startTime":614.444,"endTime":614.444,"body":"\n"},{"speaker":"Speaker 1","startTime":614.564,"endTime":614.644,"body":"But"},{"speaker":"Speaker 1","startTime":614.644,"endTime":614.644,"body":" "},{"speaker":"Speaker 1","startTime":614.664,"endTime":614.704,"body":"if"},{"speaker":"Speaker 1","startTime":614.704,"endTime":614.704,"body":" "},{"speaker":"Speaker 1","startTime":614.744,"endTime":614.825,"body":"you"},{"speaker":"Speaker 1","startTime":614.825,"endTime":614.825,"body":" "},{"speaker":"Speaker 1","startTime":614.865,"endTime":615.025,"body":"walk"},{"speaker":"Speaker 1","startTime":615.025,"endTime":615.025,"body":" "},{"speaker":"Speaker 1","startTime":615.065,"endTime":615.125,"body":"in"},{"speaker":"Speaker 1","startTime":615.125,"endTime":615.125,"body":" "},{"speaker":"Speaker 1","startTime":615.166,"endTime":615.266,"body":"with"},{"speaker":"Speaker 1","startTime":615.266,"endTime":615.266,"body":" "},{"speaker":"Speaker 1","startTime":615.326,"endTime":615.687,"body":"cash"},{"speaker":"Speaker 1","startTime":615.687,"endTime":615.687,"body":","},{"speaker":"Speaker 1","startTime":615.687,"endTime":615.687,"body":" "},{"speaker":"Speaker 1","startTime":616.509,"endTime":616.629,"body":"you're"},{"speaker":"Speaker 1","startTime":616.629,"endTime":616.629,"body":" "},{"speaker":"Speaker 1","startTime":616.649,"endTime":616.75,"body":"going"},{"speaker":"Speaker 1","startTime":616.75,"endTime":616.75,"body":" "},{"speaker":"Speaker 1","startTime":616.77,"endTime":616.81,"body":"to"},{"speaker":"Speaker 1","startTime":616.81,"endTime":616.81,"body":" "},{"speaker":"Speaker 1","startTime":616.85,"endTime":616.95,"body":"have"},{"speaker":"Speaker 1","startTime":616.95,"endTime":616.95,"body":" "},{"speaker":"Speaker 1","startTime":616.99,"endTime":617.031,"body":"a"},{"speaker":"Speaker 1","startTime":617.031,"endTime":617.031,"body":" "},{"speaker":"Speaker 1","startTime":617.051,"endTime":617.251,"body":"really"},{"speaker":"Speaker 1","startTime":617.251,"endTime":617.251,"body":" "},{"speaker":"Speaker 1","startTime":617.311,"endTime":617.492,"body":"low"},{"speaker":"Speaker 1","startTime":617.492,"endTime":617.492,"body":" "},{"speaker":"Speaker 1","startTime":617.72,"endTime":618.081,"body":"tracking"},{"speaker":"Speaker 1","startTime":618.081,"endTime":618.081,"body":" "},{"speaker":"Speaker 1","startTime":618.101,"endTime":618.222,"body":"error"},{"speaker":"Speaker 1","startTime":618.222,"endTime":618.222,"body":" "},{"speaker":"Speaker 1","startTime":618.242,"endTime":618.382,"body":"Right"},{"speaker":"Speaker 1","startTime":618.382,"endTime":618.382,"body":"."},{"speaker":"Speaker 1","startTime":618.382,"endTime":618.382,"body":" "},{"speaker":"Speaker 1","startTime":618.382,"endTime":618.382,"body":"\n"},{"speaker":"Speaker 2","startTime":618.523,"endTime":618.543,"body":"I"},{"speaker":"Speaker 2","startTime":618.543,"endTime":618.543,"body":" "},{"speaker":"Speaker 2","startTime":618.603,"endTime":619.004,"body":"mean"},{"speaker":"Speaker 2","startTime":619.004,"endTime":619.004,"body":" "},{"speaker":"Speaker 2","startTime":619.024,"endTime":619.164,"body":"you'd"},{"speaker":"Speaker 2","startTime":619.164,"endTime":619.164,"body":" "},{"speaker":"Speaker 2","startTime":619.185,"endTime":619.365,"body":"be"},{"speaker":"Speaker 2","startTime":619.365,"endTime":619.365,"body":" "},{"speaker":"Speaker 2","startTime":620.328,"endTime":620.809,"body":"invested"},{"speaker":"Speaker 2","startTime":620.809,"endTime":620.809,"body":" "},{"speaker":"Speaker 2","startTime":621.07,"endTime":621.571,"body":"immediately"},{"speaker":"Speaker 2","startTime":621.571,"endTime":621.571,"body":" "},{"speaker":"Speaker 2","startTime":622.635,"endTime":622.775,"body":"on"},{"speaker":"Speaker 2","startTime":622.775,"endTime":622.775,"body":" "},{"speaker":"Speaker 2","startTime":622.815,"endTime":623.156,"body":"model"},{"speaker":"Speaker 2","startTime":623.156,"endTime":623.156,"body":"."},{"speaker":"Speaker 2","startTime":623.156,"endTime":623.156,"body":" "},{"speaker":"Speaker 2","startTime":623.156,"endTime":623.156,"body":"\n"},{"speaker":"Speaker 1","startTime":623.577,"endTime":623.698,"body":"So"},{"speaker":"Speaker 1","startTime":623.698,"endTime":623.698,"body":" "},{"speaker":"Speaker 1","startTime":623.718,"endTime":623.758,"body":"if"},{"speaker":"Speaker 1","startTime":623.758,"endTime":623.758,"body":" "},{"speaker":"Speaker 1","startTime":623.778,"endTime":623.838,"body":"you"},{"speaker":"Speaker 1","startTime":623.838,"endTime":623.838,"body":" "},{"speaker":"Speaker 1","startTime":623.878,"endTime":624.019,"body":"think"},{"speaker":"Speaker 1","startTime":624.019,"endTime":624.019,"body":" "},{"speaker":"Speaker 1","startTime":624.059,"endTime":624.339,"body":"about"},{"speaker":"Speaker 1","startTime":624.339,"endTime":624.339,"body":" "},{"speaker":"Speaker 1","startTime":624.36,"endTime":624.42,"body":"all"},{"speaker":"Speaker 1","startTime":624.42,"endTime":624.42,"body":" "},{"speaker":"Speaker 1","startTime":624.62,"endTime":624.7,"body":"the"},{"speaker":"Speaker 1","startTime":624.7,"endTime":624.7,"body":" "},{"speaker":"Speaker 1","startTime":624.741,"endTime":625.041,"body":"cola"},{"speaker":"Speaker 1","startTime":625.041,"endTime":625.041,"body":" "},{"speaker":"Speaker 1","startTime":625.062,"endTime":625.463,"body":"stocks"},{"speaker":"Speaker 1","startTime":625.463,"endTime":625.463,"body":","},{"speaker":"Speaker 1","startTime":625.463,"endTime":625.463,"body":" "},{"speaker":"Speaker 1","startTime":626.405,"endTime":626.606,"body":"so"},{"speaker":"Speaker 1","startTime":626.606,"endTime":626.606,"body":" "},{"speaker":"Speaker 1","startTime":626.666,"endTime":626.726,"body":"I"},{"speaker":"Speaker 1","startTime":626.726,"endTime":626.726,"body":" "},{"speaker":"Speaker 1","startTime":626.746,"endTime":626.887,"body":"just"},{"speaker":"Speaker 1","startTime":626.887,"endTime":626.887,"body":" "},{"speaker":"Speaker 1","startTime":626.927,"endTime":627.087,"body":"make"},{"speaker":"Speaker 1","startTime":627.087,"endTime":627.087,"body":" "},{"speaker":"Speaker 1","startTime":627.147,"endTime":627.227,"body":"up"},{"speaker":"Speaker 1","startTime":627.227,"endTime":627.227,"body":" "},{"speaker":"Speaker 1","startTime":627.348,"endTime":627.448,"body":"one"},{"speaker":"Speaker 1","startTime":627.448,"endTime":627.448,"body":" "},{"speaker":"Speaker 1","startTime":627.488,"endTime":627.689,"body":"like"},{"speaker":"Speaker 1","startTime":627.689,"endTime":627.689,"body":" "},{"speaker":"Speaker 1","startTime":627.849,"endTime":628.09,"body":"RC"},{"speaker":"Speaker 1","startTime":628.09,"endTime":628.09,"body":" "},{"speaker":"Speaker 1","startTime":628.13,"endTime":628.531,"body":"cola"},{"speaker":"Speaker 1","startTime":628.531,"endTime":628.531,"body":","},{"speaker":"Speaker 1","startTime":628.531,"endTime":628.531,"body":" "},{"speaker":"Speaker 1","startTime":628.611,"endTime":629.433,"body":"coca-cola"},{"speaker":"Speaker 1","startTime":629.433,"endTime":629.433,"body":","},{"speaker":"Speaker 1","startTime":629.433,"endTime":629.433,"body":" "},{"speaker":"Speaker 1","startTime":629.594,"endTime":630.055,"body":"pepsi"},{"speaker":"Speaker 1","startTime":630.055,"endTime":630.055,"body":" "},{"speaker":"Speaker 1","startTime":630.236,"endTime":630.857,"body":"cola"},{"speaker":"Speaker 1","startTime":630.857,"endTime":630.857,"body":","},{"speaker":"Speaker 1","startTime":630.857,"endTime":630.857,"body":" "},{"speaker":"Speaker 1","startTime":631.479,"endTime":631.599,"body":"what"},{"speaker":"Speaker 1","startTime":631.599,"endTime":631.599,"body":" "},{"speaker":"Speaker 1","startTime":631.62,"endTime":631.68,"body":"you"},{"speaker":"Speaker 1","startTime":631.68,"endTime":631.68,"body":" "},{"speaker":"Speaker 1","startTime":631.7,"endTime":631.78,"body":"know"},{"speaker":"Speaker 1","startTime":631.78,"endTime":631.78,"body":" "},{"speaker":"Speaker 1","startTime":633.784,"endTime":633.864,"body":"I"},{"speaker":"Speaker 1","startTime":633.864,"endTime":633.864,"body":" "},{"speaker":"Speaker 1","startTime":633.884,"endTime":634.004,"body":"was"},{"speaker":"Speaker 1","startTime":634.004,"endTime":634.004,"body":" "},{"speaker":"Speaker 1","startTime":634.024,"endTime":634.124,"body":"with"},{"speaker":"Speaker 1","startTime":634.124,"endTime":634.124,"body":" "},{"speaker":"Speaker 1","startTime":634.145,"endTime":634.225,"body":"some"},{"speaker":"Speaker 1","startTime":634.225,"endTime":634.225,"body":" "},{"speaker":"Speaker 1","startTime":634.245,"endTime":634.385,"body":"other"},{"speaker":"Speaker 1","startTime":634.385,"endTime":634.385,"body":" "},{"speaker":"Speaker 1","startTime":634.425,"endTime":634.645,"body":"cola"},{"speaker":"Speaker 1","startTime":634.645,"endTime":634.645,"body":" "},{"speaker":"Speaker 1","startTime":634.666,"endTime":634.906,"body":"stocks"},{"speaker":"Speaker 1","startTime":634.906,"endTime":634.906,"body":"."},{"speaker":"Speaker 1","startTime":634.906,"endTime":634.906,"body":" "},{"speaker":"Speaker 1","startTime":634.946,"endTime":635.006,"body":"I"},{"speaker":"Speaker 1","startTime":635.006,"endTime":635.006,"body":" "},{"speaker":"Speaker 1","startTime":635.026,"endTime":635.187,"body":"should"},{"speaker":"Speaker 1","startTime":635.187,"endTime":635.187,"body":" "},{"speaker":"Speaker 1","startTime":635.207,"endTime":635.347,"body":"know"},{"speaker":"Speaker 1","startTime":635.347,"endTime":635.347,"body":" "},{"speaker":"Speaker 1","startTime":635.387,"endTime":635.587,"body":"this"},{"speaker":"Speaker 1","startTime":635.587,"endTime":635.587,"body":" "},{"speaker":"Speaker 1","startTime":635.868,"endTime":636.008,"body":"Dr"},{"speaker":"Speaker 1","startTime":636.008,"endTime":636.008,"body":"."},{"speaker":"Speaker 1","startTime":636.008,"endTime":636.008,"body":" "},{"speaker":"Speaker 1","startTime":636.008,"endTime":636.008,"body":"\n"},{"speaker":"Speaker 1","startTime":636.168,"endTime":636.529,"body":"Pepper"},{"speaker":"Speaker 1","startTime":636.529,"endTime":636.529,"body":"."},{"speaker":"Speaker 1","startTime":636.529,"endTime":636.529,"body":" "},{"speaker":"Speaker 1","startTime":637.792,"endTime":637.912,"body":"So"},{"speaker":"Speaker 1","startTime":637.912,"endTime":637.912,"body":" "},{"speaker":"Speaker 1","startTime":637.932,"endTime":638.012,"body":"you"},{"speaker":"Speaker 1","startTime":638.012,"endTime":638.012,"body":" "},{"speaker":"Speaker 1","startTime":638.052,"endTime":638.152,"body":"know"},{"speaker":"Speaker 1","startTime":638.152,"endTime":638.152,"body":","},{"speaker":"Speaker 1","startTime":638.152,"endTime":638.152,"body":" "},{"speaker":"Speaker 1","startTime":638.172,"endTime":638.212,"body":"on"},{"speaker":"Speaker 1","startTime":638.212,"endTime":638.212,"body":" "},{"speaker":"Speaker 1","startTime":638.232,"endTime":638.353,"body":"these"},{"speaker":"Speaker 1","startTime":638.353,"endTime":638.353,"body":" "},{"speaker":"Speaker 1","startTime":638.393,"endTime":638.653,"body":"cola"},{"speaker":"Speaker 1","startTime":638.653,"endTime":638.653,"body":" "},{"speaker":"Speaker 1","startTime":638.673,"endTime":638.994,"body":"stocks"},{"speaker":"Speaker 1","startTime":638.994,"endTime":638.994,"body":","},{"speaker":"Speaker 1","startTime":638.994,"endTime":638.994,"body":" "},{"speaker":"Speaker 1","startTime":639.341,"endTime":639.461,"body":"but"},{"speaker":"Speaker 1","startTime":639.461,"endTime":639.461,"body":" "},{"speaker":"Speaker 1","startTime":639.481,"endTime":639.722,"body":"maybe"},{"speaker":"Speaker 1","startTime":639.722,"endTime":639.722,"body":" "},{"speaker":"Speaker 1","startTime":639.742,"endTime":639.963,"body":"instead"},{"speaker":"Speaker 1","startTime":639.963,"endTime":639.963,"body":" "},{"speaker":"Speaker 1","startTime":639.983,"endTime":640.023,"body":"of"},{"speaker":"Speaker 1","startTime":640.023,"endTime":640.023,"body":" "},{"speaker":"Speaker 1","startTime":640.063,"endTime":640.264,"body":"buying"},{"speaker":"Speaker 1","startTime":640.264,"endTime":640.264,"body":" "},{"speaker":"Speaker 1","startTime":640.284,"endTime":640.404,"body":"them"},{"speaker":"Speaker 1","startTime":640.404,"endTime":640.404,"body":" "},{"speaker":"Speaker 1","startTime":640.484,"endTime":640.605,"body":"all"},{"speaker":"Speaker 1","startTime":640.605,"endTime":640.605,"body":","},{"speaker":"Speaker 1","startTime":640.605,"endTime":640.605,"body":" "},{"speaker":"Speaker 1","startTime":640.665,"endTime":640.806,"body":"you"},{"speaker":"Speaker 1","startTime":640.806,"endTime":640.806,"body":" "},{"speaker":"Speaker 1","startTime":640.826,"endTime":640.966,"body":"buy"},{"speaker":"Speaker 1","startTime":640.966,"endTime":640.966,"body":" "},{"speaker":"Speaker 1","startTime":641.066,"endTime":641.809,"body":"representation"},{"speaker":"Speaker 1","startTime":641.809,"endTime":641.809,"body":" "},{"speaker":"Speaker 1","startTime":643.434,"endTime":643.515,"body":"of"},{"speaker":"Speaker 1","startTime":643.515,"endTime":643.515,"body":" "},{"speaker":"Speaker 1","startTime":643.555,"endTime":643.635,"body":"the"},{"speaker":"Speaker 1","startTime":643.635,"endTime":643.635,"body":" "},{"speaker":"Speaker 1","startTime":643.675,"endTime":643.956,"body":"group"},{"speaker":"Speaker 1","startTime":643.956,"endTime":643.956,"body":" "},{"speaker":"Speaker 1","startTime":644.277,"endTime":644.478,"body":"Right"},{"speaker":"Speaker 1","startTime":644.478,"endTime":644.478,"body":","},{"speaker":"Speaker 1","startTime":644.478,"endTime":644.478,"body":" "},{"speaker":"Speaker 1","startTime":644.638,"endTime":644.719,"body":"and"},{"speaker":"Speaker 1","startTime":644.719,"endTime":644.719,"body":" "},{"speaker":"Speaker 1","startTime":644.759,"endTime":645.12,"body":"typically"},{"speaker":"Speaker 1","startTime":645.12,"endTime":645.12,"body":" "},{"speaker":"Speaker 1","startTime":645.32,"endTime":645.481,"body":"they"},{"speaker":"Speaker 1","startTime":645.481,"endTime":645.481,"body":" "},{"speaker":"Speaker 1","startTime":645.541,"endTime":645.681,"body":"all"},{"speaker":"Speaker 1","startTime":645.681,"endTime":645.681,"body":" "},{"speaker":"Speaker 1","startTime":645.741,"endTime":645.881,"body":"kind"},{"speaker":"Speaker 1","startTime":645.881,"endTime":645.881,"body":" "},{"speaker":"Speaker 1","startTime":645.902,"endTime":645.962,"body":"of"},{"speaker":"Speaker 1","startTime":645.962,"endTime":645.962,"body":" "},{"speaker":"Speaker 1","startTime":645.982,"endTime":646.122,"body":"run"},{"speaker":"Speaker 1","startTime":646.122,"endTime":646.122,"body":" "},{"speaker":"Speaker 1","startTime":646.142,"endTime":646.463,"body":"together"},{"speaker":"Speaker 1","startTime":646.463,"endTime":646.463,"body":" "},{"speaker":"Speaker 1","startTime":646.703,"endTime":646.924,"body":"right"},{"speaker":"Speaker 1","startTime":646.924,"endTime":646.924,"body":","},{"speaker":"Speaker 1","startTime":646.924,"endTime":646.924,"body":" "},{"speaker":"Speaker 1","startTime":647.525,"endTime":647.986,"body":"right"},{"speaker":"Speaker 1","startTime":647.986,"endTime":647.986,"body":"."},{"speaker":"Speaker 1","startTime":647.986,"endTime":647.986,"body":" "},{"speaker":"Speaker 1","startTime":648.567,"endTime":648.687,"body":"So"},{"speaker":"Speaker 1","startTime":648.687,"endTime":648.687,"body":" "},{"speaker":"Speaker 1","startTime":648.707,"endTime":648.788,"body":"the"},{"speaker":"Speaker 1","startTime":648.788,"endTime":648.788,"body":" "},{"speaker":"Speaker 1","startTime":648.888,"endTime":649.168,"body":"idea"},{"speaker":"Speaker 1","startTime":649.168,"endTime":649.168,"body":" "},{"speaker":"Speaker 1","startTime":649.269,"endTime":649.429,"body":"here"},{"speaker":"Speaker 1","startTime":649.429,"endTime":649.429,"body":" "},{"speaker":"Speaker 1","startTime":649.569,"endTime":649.669,"body":"is"},{"speaker":"Speaker 1","startTime":649.669,"endTime":649.669,"body":" "},{"speaker":"Speaker 1","startTime":650.11,"endTime":650.191,"body":"if"},{"speaker":"Speaker 1","startTime":650.191,"endTime":650.191,"body":" "},{"speaker":"Speaker 1","startTime":650.251,"endTime":650.371,"body":"some"},{"speaker":"Speaker 1","startTime":650.371,"endTime":650.371,"body":" "},{"speaker":"Speaker 1","startTime":650.411,"endTime":650.471,"body":"of"},{"speaker":"Speaker 1","startTime":650.471,"endTime":650.471,"body":" "},{"speaker":"Speaker 1","startTime":650.491,"endTime":650.652,"body":"these"},{"speaker":"Speaker 1","startTime":650.652,"endTime":650.652,"body":" "},{"speaker":"Speaker 1","startTime":650.732,"endTime":650.972,"body":"lost"},{"speaker":"Speaker 1","startTime":650.972,"endTime":650.972,"body":" "},{"speaker":"Speaker 1","startTime":651.032,"endTime":651.293,"body":"money"},{"speaker":"Speaker 1","startTime":651.293,"endTime":651.293,"body":","},{"speaker":"Speaker 1","startTime":651.293,"endTime":651.293,"body":" "},{"speaker":"Speaker 1","startTime":651.881,"endTime":652.001,"body":"then"},{"speaker":"Speaker 1","startTime":652.001,"endTime":652.001,"body":" "},{"speaker":"Speaker 1","startTime":652.041,"endTime":652.122,"body":"you"},{"speaker":"Speaker 1","startTime":652.122,"endTime":652.122,"body":" "},{"speaker":"Speaker 1","startTime":652.142,"endTime":652.282,"body":"would"},{"speaker":"Speaker 1","startTime":652.282,"endTime":652.282,"body":" "},{"speaker":"Speaker 1","startTime":652.363,"endTime":652.604,"body":"sell"},{"speaker":"Speaker 1","startTime":652.604,"endTime":652.604,"body":" "},{"speaker":"Speaker 1","startTime":652.644,"endTime":652.724,"body":"the"},{"speaker":"Speaker 1","startTime":652.724,"endTime":652.724,"body":" "},{"speaker":"Speaker 1","startTime":652.845,"endTime":652.925,"body":"one"},{"speaker":"Speaker 1","startTime":652.925,"endTime":652.925,"body":" "},{"speaker":"Speaker 1","startTime":652.965,"endTime":653.066,"body":"that"},{"speaker":"Speaker 1","startTime":653.066,"endTime":653.066,"body":" "},{"speaker":"Speaker 1","startTime":653.106,"endTime":653.367,"body":"lost"},{"speaker":"Speaker 1","startTime":653.367,"endTime":653.367,"body":" "},{"speaker":"Speaker 1","startTime":653.427,"endTime":653.628,"body":"money"},{"speaker":"Speaker 1","startTime":653.628,"endTime":653.628,"body":","},{"speaker":"Speaker 1","startTime":653.628,"endTime":653.628,"body":" "},{"speaker":"Speaker 1","startTime":653.688,"endTime":654.01,"body":"create"},{"speaker":"Speaker 1","startTime":654.01,"endTime":654.01,"body":" "},{"speaker":"Speaker 1","startTime":654.05,"endTime":654.21,"body":"that"},{"speaker":"Speaker 1","startTime":654.21,"endTime":654.21,"body":" "},{"speaker":"Speaker 1","startTime":654.652,"endTime":655.054,"body":"credit"},{"speaker":"Speaker 1","startTime":655.054,"endTime":655.054,"body":" "},{"speaker":"Speaker 1","startTime":655.094,"endTime":655.195,"body":"but"},{"speaker":"Speaker 1","startTime":655.195,"endTime":655.195,"body":" "},{"speaker":"Speaker 1","startTime":655.235,"endTime":655.375,"body":"then"},{"speaker":"Speaker 1","startTime":655.375,"endTime":655.375,"body":" "},{"speaker":"Speaker 1","startTime":655.435,"endTime":655.636,"body":"buy"},{"speaker":"Speaker 1","startTime":655.636,"endTime":655.636,"body":" "},{"speaker":"Speaker 1","startTime":655.717,"endTime":655.998,"body":"something"},{"speaker":"Speaker 1","startTime":655.998,"endTime":655.998,"body":" "},{"speaker":"Speaker 1","startTime":656.038,"endTime":656.199,"body":"else"},{"speaker":"Speaker 1","startTime":656.199,"endTime":656.199,"body":" "},{"speaker":"Speaker 1","startTime":656.359,"endTime":656.399,"body":"in"},{"speaker":"Speaker 1","startTime":656.399,"endTime":656.399,"body":" "},{"speaker":"Speaker 1","startTime":656.42,"endTime":656.48,"body":"the"},{"speaker":"Speaker 1","startTime":656.48,"endTime":656.48,"body":" "},{"speaker":"Speaker 1","startTime":656.6,"endTime":656.821,"body":"same"},{"speaker":"Speaker 1","startTime":656.821,"endTime":656.821,"body":" "},{"speaker":"Speaker 1","startTime":656.881,"endTime":657.243,"body":"group"},{"speaker":"Speaker 1","startTime":657.243,"endTime":657.243,"body":" "},{"speaker":"Speaker 1","startTime":657.664,"endTime":657.805,"body":"so"},{"speaker":"Speaker 1","startTime":657.805,"endTime":657.805,"body":" "},{"speaker":"Speaker 1","startTime":657.845,"endTime":657.965,"body":"that"},{"speaker":"Speaker 1","startTime":657.965,"endTime":657.965,"body":" "},{"speaker":"Speaker 1","startTime":658.045,"endTime":658.407,"body":"your"},{"speaker":"Speaker 1","startTime":658.407,"endTime":658.407,"body":" "},{"speaker":"Speaker 1","startTime":659.149,"endTime":659.892,"body":"representation"},{"speaker":"Speaker 1","startTime":659.892,"endTime":659.892,"body":" "},{"speaker":"Speaker 1","startTime":659.932,"endTime":659.992,"body":"of"},{"speaker":"Speaker 1","startTime":659.992,"endTime":659.992,"body":" "},{"speaker":"Speaker 1","startTime":660.012,"endTime":660.072,"body":"the"},{"speaker":"Speaker 1","startTime":660.072,"endTime":660.072,"body":" "},{"speaker":"Speaker 1","startTime":660.133,"endTime":660.514,"body":"index"},{"speaker":"Speaker 1","startTime":660.514,"endTime":660.514,"body":" "},{"speaker":"Speaker 1","startTime":660.554,"endTime":660.795,"body":"stays"},{"speaker":"Speaker 1","startTime":660.795,"endTime":660.795,"body":" "},{"speaker":"Speaker 1","startTime":660.835,"endTime":660.976,"body":"pure"},{"speaker":"Speaker 1","startTime":660.976,"endTime":660.976,"body":"."},{"speaker":"Speaker 1","startTime":660.976,"endTime":660.976,"body":" "},{"speaker":"Speaker 1","startTime":660.976,"endTime":660.976,"body":"\n"},{"speaker":"Speaker 2","startTime":660.996,"endTime":661.216,"body":"Right"},{"speaker":"Speaker 2","startTime":661.216,"endTime":661.216,"body":","},{"speaker":"Speaker 2","startTime":661.216,"endTime":661.216,"body":" "},{"speaker":"Speaker 2","startTime":661.638,"endTime":661.718,"body":"and"},{"speaker":"Speaker 2","startTime":661.718,"endTime":661.718,"body":" "},{"speaker":"Speaker 2","startTime":661.839,"endTime":661.859,"body":"I"},{"speaker":"Speaker 2","startTime":661.859,"endTime":661.859,"body":" "},{"speaker":"Speaker 2","startTime":661.999,"endTime":662.099,"body":"think"},{"speaker":"Speaker 2","startTime":662.099,"endTime":662.099,"body":" "},{"speaker":"Speaker 2","startTime":662.14,"endTime":662.26,"body":"that's"},{"speaker":"Speaker 2","startTime":662.26,"endTime":662.26,"body":" "},{"speaker":"Speaker 2","startTime":662.28,"endTime":662.32,"body":"an"},{"speaker":"Speaker 2","startTime":662.32,"endTime":662.32,"body":" "},{"speaker":"Speaker 2","startTime":662.34,"endTime":662.842,"body":"important"},{"speaker":"Speaker 2","startTime":662.842,"endTime":662.842,"body":" "},{"speaker":"Speaker 2","startTime":663.163,"endTime":663.423,"body":"point"},{"speaker":"Speaker 2","startTime":663.423,"endTime":663.423,"body":" "},{"speaker":"Speaker 2","startTime":663.464,"endTime":663.544,"body":"to"},{"speaker":"Speaker 2","startTime":663.544,"endTime":663.544,"body":" "},{"speaker":"Speaker 2","startTime":663.624,"endTime":663.885,"body":"note"},{"speaker":"Speaker 2","startTime":663.885,"endTime":663.885,"body":","},{"speaker":"Speaker 2","startTime":663.885,"endTime":663.885,"body":" "},{"speaker":"Speaker 2","startTime":664.266,"endTime":664.386,"body":"is"},{"speaker":"Speaker 2","startTime":664.386,"endTime":664.386,"body":" "},{"speaker":"Speaker 2","startTime":665.048,"endTime":665.209,"body":"just"},{"speaker":"Speaker 2","startTime":665.209,"endTime":665.209,"body":" "},{"speaker":"Speaker 2","startTime":665.229,"endTime":665.45,"body":"say"},{"speaker":"Speaker 2","startTime":665.45,"endTime":665.45,"body":","},{"speaker":"Speaker 2","startTime":665.45,"endTime":665.45,"body":" "},{"speaker":"Speaker 2","startTime":665.63,"endTime":665.73,"body":"for"},{"speaker":"Speaker 2","startTime":665.73,"endTime":665.73,"body":" "},{"speaker":"Speaker 2","startTime":665.771,"endTime":666.112,"body":"example"},{"speaker":"Speaker 2","startTime":666.112,"endTime":666.112,"body":","},{"speaker":"Speaker 2","startTime":666.112,"endTime":666.112,"body":" "},{"speaker":"Speaker 2","startTime":666.132,"endTime":666.212,"body":"the"},{"speaker":"Speaker 2","startTime":666.212,"endTime":666.212,"body":" "},{"speaker":"Speaker 2","startTime":666.252,"endTime":666.513,"body":"Russell"},{"speaker":"Speaker 2","startTime":666.513,"endTime":666.513,"body":" "},{"speaker":"Speaker 2","startTime":666.553,"endTime":667.014,"body":"1000"},{"speaker":"Speaker 2","startTime":667.014,"endTime":667.014,"body":","},{"speaker":"Speaker 2","startTime":667.014,"endTime":667.014,"body":" "},{"speaker":"Speaker 2","startTime":667.054,"endTime":667.195,"body":"which"},{"speaker":"Speaker 2","startTime":667.195,"endTime":667.195,"body":" "},{"speaker":"Speaker 2","startTime":667.275,"endTime":667.355,"body":"is"},{"speaker":"Speaker 2","startTime":667.355,"endTime":667.355,"body":" "},{"speaker":"Speaker 2","startTime":668.037,"endTime":668.318,"body":"again"},{"speaker":"Speaker 2","startTime":668.318,"endTime":668.318,"body":" "},{"speaker":"Speaker 2","startTime":668.459,"endTime":668.639,"body":"very"},{"speaker":"Speaker 2","startTime":668.639,"endTime":668.639,"body":" "},{"speaker":"Speaker 2","startTime":668.699,"endTime":668.84,"body":"similar"},{"speaker":"Speaker 2","startTime":668.84,"endTime":668.84,"body":" "},{"speaker":"Speaker 2","startTime":668.86,"endTime":668.9,"body":"to"},{"speaker":"Speaker 2","startTime":668.9,"endTime":668.9,"body":" "},{"speaker":"Speaker 2","startTime":669.04,"endTime":669.1,"body":"the"},{"speaker":"Speaker 2","startTime":669.1,"endTime":669.1,"body":" "},{"speaker":"Speaker 2","startTime":669.201,"endTime":669.842,"body":"SP500"},{"speaker":"Speaker 2","startTime":669.842,"endTime":669.842,"body":","},{"speaker":"Speaker 2","startTime":669.842,"endTime":669.842,"body":" "},{"speaker":"Speaker 2","startTime":669.943,"endTime":670.043,"body":"its"},{"speaker":"Speaker 2","startTime":670.043,"endTime":670.043,"body":" "},{"speaker":"Speaker 2","startTime":670.143,"endTime":670.343,"body":"US"},{"speaker":"Speaker 2","startTime":670.343,"endTime":670.343,"body":" "},{"speaker":"Speaker 2","startTime":670.384,"endTime":670.624,"body":"large"},{"speaker":"Speaker 2","startTime":670.624,"endTime":670.624,"body":" "},{"speaker":"Speaker 2","startTime":670.644,"endTime":670.885,"body":"cap"},{"speaker":"Speaker 2","startTime":670.885,"endTime":670.885,"body":"."},{"speaker":"Speaker 2","startTime":670.885,"endTime":670.885,"body":" "},{"speaker":"Speaker 2","startTime":672.529,"endTime":672.589,"body":"You"},{"speaker":"Speaker 2","startTime":672.589,"endTime":672.589,"body":" "},{"speaker":"Speaker 2","startTime":672.629,"endTime":672.729,"body":"know"},{"speaker":"Speaker 2","startTime":672.729,"endTime":672.729,"body":" "},{"speaker":"Speaker 2","startTime":672.789,"endTime":672.91,"body":"the"},{"speaker":"Speaker 2","startTime":672.91,"endTime":672.91,"body":" "},{"speaker":"Speaker 2","startTime":672.99,"endTime":673.331,"body":"weightings"},{"speaker":"Speaker 2","startTime":673.331,"endTime":673.331,"body":" "},{"speaker":"Speaker 2","startTime":673.371,"endTime":673.511,"body":"might"},{"speaker":"Speaker 2","startTime":673.511,"endTime":673.511,"body":" "},{"speaker":"Speaker 2","startTime":673.531,"endTime":673.652,"body":"not"},{"speaker":"Speaker 2","startTime":673.652,"endTime":673.652,"body":" "},{"speaker":"Speaker 2","startTime":673.692,"endTime":673.792,"body":"be"},{"speaker":"Speaker 2","startTime":673.792,"endTime":673.792,"body":" "},{"speaker":"Speaker 2","startTime":673.852,"endTime":674.193,"body":"exact"},{"speaker":"Speaker 2","startTime":674.193,"endTime":674.193,"body":","},{"speaker":"Speaker 2","startTime":674.193,"endTime":674.193,"body":" "},{"speaker":"Speaker 2","startTime":674.253,"endTime":674.393,"body":"but"},{"speaker":"Speaker 2","startTime":674.393,"endTime":674.393,"body":" "},{"speaker":"Speaker 2","startTime":674.453,"endTime":675.456,"body":"the"},{"speaker":"Speaker 2","startTime":675.456,"endTime":675.456,"body":" "},{"speaker":"Speaker 2","startTime":676.037,"endTime":676.599,"body":"software"},{"speaker":"Speaker 2","startTime":676.599,"endTime":676.599,"body":" "},{"speaker":"Speaker 2","startTime":676.799,"endTime":676.919,"body":"is"},{"speaker":"Speaker 2","startTime":676.919,"endTime":676.919,"body":" "},{"speaker":"Speaker 2","startTime":676.959,"endTime":677.14,"body":"looking"},{"speaker":"Speaker 2","startTime":677.14,"endTime":677.14,"body":" "},{"speaker":"Speaker 2","startTime":677.28,"endTime":677.421,"body":"at"},{"speaker":"Speaker 2","startTime":677.421,"endTime":677.421,"body":" "},{"speaker":"Speaker 2","startTime":677.501,"endTime":677.641,"body":"not"},{"speaker":"Speaker 2","startTime":677.641,"endTime":677.641,"body":" "},{"speaker":"Speaker 2","startTime":677.681,"endTime":678.002,"body":"just"},{"speaker":"Speaker 2","startTime":678.002,"endTime":678.002,"body":" "},{"speaker":"Speaker 2","startTime":679.245,"endTime":679.325,"body":"you"},{"speaker":"Speaker 2","startTime":679.325,"endTime":679.325,"body":" "},{"speaker":"Speaker 2","startTime":679.345,"endTime":679.445,"body":"know"},{"speaker":"Speaker 2","startTime":679.445,"endTime":679.445,"body":","},{"speaker":"Speaker 2","startTime":679.445,"endTime":679.445,"body":" "},{"speaker":"Speaker 2","startTime":679.465,"endTime":679.545,"body":"the"},{"speaker":"Speaker 2","startTime":679.545,"endTime":679.545,"body":" "},{"speaker":"Speaker 2","startTime":679.565,"endTime":679.866,"body":"tracking"},{"speaker":"Speaker 2","startTime":679.866,"endTime":679.866,"body":" "},{"speaker":"Speaker 2","startTime":679.886,"endTime":680.067,"body":"error"},{"speaker":"Speaker 2","startTime":680.067,"endTime":680.067,"body":" "},{"speaker":"Speaker 2","startTime":680.107,"endTime":680.247,"body":"and"},{"speaker":"Speaker 2","startTime":680.247,"endTime":680.247,"body":" "},{"speaker":"Speaker 2","startTime":680.407,"endTime":680.808,"body":"absolute"},{"speaker":"Speaker 2","startTime":680.808,"endTime":680.808,"body":" "},{"speaker":"Speaker 2","startTime":680.828,"endTime":681.189,"body":"weighting"},{"speaker":"Speaker 2","startTime":681.189,"endTime":681.189,"body":" "},{"speaker":"Speaker 2","startTime":681.41,"endTime":681.61,"body":"like"},{"speaker":"Speaker 2","startTime":681.61,"endTime":681.61,"body":","},{"speaker":"Speaker 2","startTime":681.61,"endTime":681.61,"body":" "},{"speaker":"Speaker 2","startTime":681.63,"endTime":681.811,"body":"say"},{"speaker":"Speaker 2","startTime":681.811,"endTime":681.811,"body":" "},{"speaker":"Speaker 2","startTime":681.851,"endTime":682.111,"body":"whatever"},{"speaker":"Speaker 2","startTime":682.111,"endTime":682.111,"body":" "},{"speaker":"Speaker 2","startTime":682.171,"endTime":682.713,"body":"Microsoft's"},{"speaker":"Speaker 2","startTime":682.713,"endTime":682.713,"body":" "},{"speaker":"Speaker 2","startTime":683.02,"endTime":683.682,"body":"7%"},{"speaker":"Speaker 2","startTime":683.682,"endTime":683.682,"body":" "},{"speaker":"Speaker 2","startTime":684.404,"endTime":684.505,"body":"or"},{"speaker":"Speaker 2","startTime":684.505,"endTime":684.505,"body":" "},{"speaker":"Speaker 2","startTime":684.565,"endTime":684.966,"body":"5%"},{"speaker":"Speaker 2","startTime":684.966,"endTime":684.966,"body":" "},{"speaker":"Speaker 2","startTime":684.986,"endTime":685.026,"body":"of"},{"speaker":"Speaker 2","startTime":685.026,"endTime":685.026,"body":" "},{"speaker":"Speaker 2","startTime":685.046,"endTime":685.127,"body":"the"},{"speaker":"Speaker 2","startTime":685.127,"endTime":685.127,"body":" "},{"speaker":"Speaker 2","startTime":685.167,"endTime":685.448,"body":"index"},{"speaker":"Speaker 2","startTime":685.448,"endTime":685.448,"body":"."},{"speaker":"Speaker 2","startTime":685.448,"endTime":685.448,"body":" "},{"speaker":"Speaker 2","startTime":686.17,"endTime":686.27,"body":"It's"},{"speaker":"Speaker 2","startTime":686.27,"endTime":686.27,"body":" "},{"speaker":"Speaker 2","startTime":686.29,"endTime":686.491,"body":"looking"},{"speaker":"Speaker 2","startTime":686.491,"endTime":686.491,"body":" "},{"speaker":"Speaker 2","startTime":686.511,"endTime":686.571,"body":"at"},{"speaker":"Speaker 2","startTime":686.571,"endTime":686.571,"body":" "},{"speaker":"Speaker 2","startTime":686.591,"endTime":686.852,"body":"different"},{"speaker":"Speaker 2","startTime":686.852,"endTime":686.852,"body":" "},{"speaker":"Speaker 2","startTime":686.892,"endTime":687.494,"body":"correlations"},{"speaker":"Speaker 2","startTime":687.494,"endTime":687.494,"body":" "},{"speaker":"Speaker 2","startTime":687.554,"endTime":687.955,"body":"and"},{"speaker":"Speaker 2","startTime":687.955,"endTime":687.955,"body":" "},{"speaker":"Speaker 2","startTime":688.015,"endTime":688.216,"body":"risk"},{"speaker":"Speaker 2","startTime":688.216,"endTime":688.216,"body":" "},{"speaker":"Speaker 2","startTime":688.256,"endTime":688.617,"body":"measures"},{"speaker":"Speaker 2","startTime":688.617,"endTime":688.617,"body":" "},{"speaker":"Speaker 2","startTime":688.717,"endTime":688.818,"body":"and"},{"speaker":"Speaker 2","startTime":688.818,"endTime":688.818,"body":" "},{"speaker":"Speaker 2","startTime":688.878,"endTime":688.978,"body":"it's"},{"speaker":"Speaker 2","startTime":688.978,"endTime":688.978,"body":" "},{"speaker":"Speaker 2","startTime":688.998,"endTime":689.379,"body":"you"},{"speaker":"Speaker 2","startTime":689.379,"endTime":689.379,"body":" "},{"speaker":"Speaker 2","startTime":689.66,"endTime":689.921,"body":"know"},{"speaker":"Speaker 2","startTime":689.921,"endTime":689.921,"body":","},{"speaker":"Speaker 2","startTime":689.921,"endTime":689.921,"body":" "},{"speaker":"Speaker 2","startTime":689.961,"endTime":690.262,"body":"based"},{"speaker":"Speaker 2","startTime":690.262,"endTime":690.262,"body":" "},{"speaker":"Speaker 2","startTime":690.383,"endTime":690.483,"body":"on"},{"speaker":"Speaker 2","startTime":690.483,"endTime":690.483,"body":" "},{"speaker":"Speaker 2","startTime":690.524,"endTime":690.624,"body":"the"},{"speaker":"Speaker 2","startTime":690.624,"endTime":690.624,"body":" "},{"speaker":"Speaker 2","startTime":690.664,"endTime":691.447,"body":"characteristics"},{"speaker":"Speaker 2","startTime":691.447,"endTime":691.447,"body":" "},{"speaker":"Speaker 2","startTime":691.588,"endTime":691.648,"body":"of"},{"speaker":"Speaker 2","startTime":691.648,"endTime":691.648,"body":" "},{"speaker":"Speaker 2","startTime":691.688,"endTime":691.829,"body":"that"},{"speaker":"Speaker 2","startTime":691.829,"endTime":691.829,"body":" "},{"speaker":"Speaker 2","startTime":691.969,"endTime":692.31,"body":"index"},{"speaker":"Speaker 2","startTime":692.31,"endTime":692.31,"body":","},{"speaker":"Speaker 2","startTime":692.31,"endTime":692.31,"body":" "},{"speaker":"Speaker 2","startTime":692.652,"endTime":692.732,"body":"it"},{"speaker":"Speaker 2","startTime":692.732,"endTime":692.732,"body":" "},{"speaker":"Speaker 2","startTime":692.772,"endTime":693.033,"body":"can"},{"speaker":"Speaker 2","startTime":693.033,"endTime":693.033,"body":" "},{"speaker":"Speaker 2","startTime":693.455,"endTime":693.816,"body":"underweight"},{"speaker":"Speaker 2","startTime":693.816,"endTime":693.816,"body":" "},{"speaker":"Speaker 2","startTime":693.856,"endTime":693.917,"body":"or"},{"speaker":"Speaker 2","startTime":693.917,"endTime":693.917,"body":" "},{"speaker":"Speaker 2","startTime":693.997,"endTime":694.399,"body":"overweight"},{"speaker":"Speaker 2","startTime":694.399,"endTime":694.399,"body":" "},{"speaker":"Speaker 2","startTime":694.479,"endTime":694.72,"body":"certain"},{"speaker":"Speaker 2","startTime":694.72,"endTime":694.72,"body":" "},{"speaker":"Speaker 2","startTime":694.86,"endTime":695.482,"body":"securities"},{"speaker":"Speaker 2","startTime":695.482,"endTime":695.482,"body":","},{"speaker":"Speaker 2","startTime":695.482,"endTime":695.482,"body":" "},{"speaker":"Speaker 2","startTime":695.542,"endTime":695.722,"body":"just"},{"speaker":"Speaker 2","startTime":695.722,"endTime":695.722,"body":" "},{"speaker":"Speaker 2","startTime":695.742,"endTime":695.823,"body":"to"},{"speaker":"Speaker 2","startTime":695.823,"endTime":695.823,"body":" "},{"speaker":"Speaker 2","startTime":695.883,"endTime":696.023,"body":"get"},{"speaker":"Speaker 2","startTime":696.023,"endTime":696.023,"body":" "},{"speaker":"Speaker 2","startTime":696.324,"endTime":696.544,"body":"into"},{"speaker":"Speaker 2","startTime":696.544,"endTime":696.544,"body":" "},{"speaker":"Speaker 2","startTime":696.564,"endTime":696.685,"body":"that"},{"speaker":"Speaker 2","startTime":696.685,"endTime":696.685,"body":" "},{"speaker":"Speaker 2","startTime":696.765,"endTime":697.026,"body":"line"},{"speaker":"Speaker 2","startTime":697.026,"endTime":697.026,"body":" "},{"speaker":"Speaker 2","startTime":697.527,"endTime":697.627,"body":"of"},{"speaker":"Speaker 2","startTime":697.627,"endTime":697.627,"body":" "},{"speaker":"Speaker 2","startTime":697.968,"endTime":698.048,"body":"the"},{"speaker":"Speaker 2","startTime":698.048,"endTime":698.048,"body":" "},{"speaker":"Speaker 2","startTime":698.088,"endTime":698.249,"body":"risk"},{"speaker":"Speaker 2","startTime":698.249,"endTime":698.249,"body":" "},{"speaker":"Speaker 2","startTime":698.269,"endTime":698.349,"body":"and"},{"speaker":"Speaker 2","startTime":698.349,"endTime":698.349,"body":" "},{"speaker":"Speaker 2","startTime":698.369,"endTime":698.589,"body":"return"},{"speaker":"Speaker 2","startTime":698.589,"endTime":698.589,"body":" "},{"speaker":"Speaker 2","startTime":698.609,"endTime":698.91,"body":"metrics"},{"speaker":"Speaker 2","startTime":698.91,"endTime":698.91,"body":" "},{"speaker":"Speaker 2","startTime":698.95,"endTime":699.031,"body":"of"},{"speaker":"Speaker 2","startTime":699.031,"endTime":699.031,"body":" "},{"speaker":"Speaker 2","startTime":699.051,"endTime":699.151,"body":"that"},{"speaker":"Speaker 2","startTime":699.151,"endTime":699.151,"body":" "},{"speaker":"Speaker 2","startTime":699.191,"endTime":699.431,"body":"index"},{"speaker":"Speaker 2","startTime":699.431,"endTime":699.431,"body":"."},{"speaker":"Speaker 2","startTime":699.431,"endTime":699.431,"body":" "},{"speaker":"Speaker 2","startTime":699.431,"endTime":699.431,"body":"\n"},{"speaker":"Speaker 1","startTime":700.02,"endTime":700.141,"body":"So"},{"speaker":"Speaker 1","startTime":700.141,"endTime":700.141,"body":","},{"speaker":"Speaker 1","startTime":700.141,"endTime":700.141,"body":" "},{"speaker":"Speaker 1","startTime":700.181,"endTime":700.723,"body":"basically"},{"speaker":"Speaker 1","startTime":700.723,"endTime":700.723,"body":","},{"speaker":"Speaker 1","startTime":700.723,"endTime":700.723,"body":" "},{"speaker":"Speaker 1","startTime":700.823,"endTime":701.044,"body":"you're"},{"speaker":"Speaker 1","startTime":701.044,"endTime":701.044,"body":" "},{"speaker":"Speaker 1","startTime":701.205,"endTime":701.365,"body":"able"},{"speaker":"Speaker 1","startTime":701.365,"endTime":701.365,"body":" "},{"speaker":"Speaker 1","startTime":701.405,"endTime":701.486,"body":"to"},{"speaker":"Speaker 1","startTime":701.486,"endTime":701.486,"body":" "},{"speaker":"Speaker 1","startTime":701.546,"endTime":701.807,"body":"track"},{"speaker":"Speaker 1","startTime":701.807,"endTime":701.807,"body":" "},{"speaker":"Speaker 1","startTime":701.867,"endTime":701.987,"body":"the"},{"speaker":"Speaker 1","startTime":701.987,"endTime":701.987,"body":" "},{"speaker":"Speaker 1","startTime":702.088,"endTime":702.449,"body":"index"},{"speaker":"Speaker 1","startTime":702.449,"endTime":702.449,"body":" "},{"speaker":"Speaker 1","startTime":702.529,"endTime":702.73,"body":"now"},{"speaker":"Speaker 1","startTime":702.73,"endTime":702.73,"body":","},{"speaker":"Speaker 1","startTime":702.73,"endTime":702.73,"body":" "},{"speaker":"Speaker 1","startTime":703.452,"endTime":703.673,"body":"but"},{"speaker":"Speaker 1","startTime":703.673,"endTime":703.673,"body":" "},{"speaker":"Speaker 1","startTime":703.834,"endTime":704.014,"body":"you're"},{"speaker":"Speaker 1","startTime":704.014,"endTime":704.014,"body":" "},{"speaker":"Speaker 1","startTime":704.034,"endTime":704.235,"body":"also"},{"speaker":"Speaker 1","startTime":704.235,"endTime":704.235,"body":" "},{"speaker":"Speaker 1","startTime":704.295,"endTime":704.476,"body":"able"},{"speaker":"Speaker 1","startTime":704.476,"endTime":704.476,"body":" "},{"speaker":"Speaker 1","startTime":704.516,"endTime":704.596,"body":"to"},{"speaker":"Speaker 1","startTime":704.596,"endTime":704.596,"body":" "},{"speaker":"Speaker 1","startTime":704.637,"endTime":705.058,"body":"generate"},{"speaker":"Speaker 1","startTime":705.058,"endTime":705.058,"body":" "},{"speaker":"Speaker 1","startTime":705.118,"endTime":705.339,"body":"these"},{"speaker":"Speaker 1","startTime":705.339,"endTime":705.339,"body":" "},{"speaker":"Speaker 1","startTime":705.399,"endTime":705.6,"body":"tax"},{"speaker":"Speaker 1","startTime":705.6,"endTime":705.6,"body":" "},{"speaker":"Speaker 1","startTime":705.76,"endTime":706.101,"body":"credits"},{"speaker":"Speaker 1","startTime":706.101,"endTime":706.101,"body":" "},{"speaker":"Speaker 1","startTime":706.141,"endTime":706.382,"body":"along"},{"speaker":"Speaker 1","startTime":706.382,"endTime":706.382,"body":" "},{"speaker":"Speaker 1","startTime":706.402,"endTime":706.462,"body":"the"},{"speaker":"Speaker 1","startTime":706.462,"endTime":706.462,"body":" "},{"speaker":"Speaker 1","startTime":706.502,"endTime":706.623,"body":"way"},{"speaker":"Speaker 1","startTime":706.623,"endTime":706.623,"body":"."},{"speaker":"Speaker 1","startTime":706.623,"endTime":706.623,"body":" "},{"speaker":"Speaker 1","startTime":706.623,"endTime":706.623,"body":"\n"},{"speaker":"Speaker 2","startTime":707.264,"endTime":707.445,"body":"That's"},{"speaker":"Speaker 2","startTime":707.445,"endTime":707.445,"body":" "},{"speaker":"Speaker 2","startTime":707.485,"endTime":707.545,"body":"the"},{"speaker":"Speaker 2","startTime":707.545,"endTime":707.545,"body":" "},{"speaker":"Speaker 2","startTime":707.565,"endTime":707.746,"body":"whole"},{"speaker":"Speaker 2","startTime":707.746,"endTime":707.746,"body":" "},{"speaker":"Speaker 2","startTime":707.786,"endTime":707.986,"body":"idea"},{"speaker":"Speaker 2","startTime":707.986,"endTime":707.986,"body":"."},{"speaker":"Speaker 2","startTime":707.986,"endTime":707.986,"body":" "},{"speaker":"Speaker 2","startTime":707.986,"endTime":707.986,"body":"\n"},{"speaker":"Speaker 1","startTime":709.17,"endTime":709.531,"body":"So"},{"speaker":"Speaker 1","startTime":709.531,"endTime":709.531,"body":" "},{"speaker":"Speaker 1","startTime":710.313,"endTime":710.593,"body":"tax"},{"speaker":"Speaker 1","startTime":710.593,"endTime":710.593,"body":" "},{"speaker":"Speaker 1","startTime":710.633,"endTime":711.135,"body":"efficiency"},{"speaker":"Speaker 1","startTime":711.135,"endTime":711.135,"body":","},{"speaker":"Speaker 1","startTime":711.135,"endTime":711.135,"body":" "},{"speaker":"Speaker 1","startTime":711.556,"endTime":711.857,"body":"that"},{"speaker":"Speaker 1","startTime":711.857,"endTime":711.857,"body":" "},{"speaker":"Speaker 1","startTime":711.897,"endTime":712.037,"body":"would"},{"speaker":"Speaker 1","startTime":712.037,"endTime":712.037,"body":" "},{"speaker":"Speaker 1","startTime":712.077,"endTime":712.318,"body":"be"},{"speaker":"Speaker 1","startTime":712.318,"endTime":712.318,"body":","},{"speaker":"Speaker 1","startTime":712.318,"endTime":712.318,"body":" "},{"speaker":"Speaker 1","startTime":712.498,"endTime":712.559,"body":"I'd"},{"speaker":"Speaker 1","startTime":712.559,"endTime":712.559,"body":" "},{"speaker":"Speaker 1","startTime":712.579,"endTime":712.779,"body":"say"},{"speaker":"Speaker 1","startTime":712.779,"endTime":712.779,"body":","},{"speaker":"Speaker 1","startTime":712.779,"endTime":712.779,"body":" "},{"speaker":"Speaker 1","startTime":712.799,"endTime":712.9,"body":"the"},{"speaker":"Speaker 1","startTime":712.9,"endTime":712.9,"body":" "},{"speaker":"Speaker 1","startTime":712.92,"endTime":713.06,"body":"number"},{"speaker":"Speaker 1","startTime":713.06,"endTime":713.06,"body":" "},{"speaker":"Speaker 1","startTime":713.3,"endTime":713.401,"body":"one"},{"speaker":"Speaker 1","startTime":713.401,"endTime":713.401,"body":" "},{"speaker":"Speaker 1","startTime":713.441,"endTime":713.861,"body":"benefit"},{"speaker":"Speaker 1","startTime":713.861,"endTime":713.861,"body":"."},{"speaker":"Speaker 1","startTime":713.861,"endTime":713.861,"body":" "},{"speaker":"Speaker 1","startTime":713.861,"endTime":713.861,"body":"\n"},{"speaker":"Speaker 2","startTime":714.262,"endTime":714.362,"body":"The"},{"speaker":"Speaker 2","startTime":714.362,"endTime":714.362,"body":" "},{"speaker":"Speaker 2","startTime":714.422,"endTime":714.803,"body":"primary"},{"speaker":"Speaker 2","startTime":714.803,"endTime":714.803,"body":" "},{"speaker":"Speaker 2","startTime":714.843,"endTime":715.224,"body":"benefit"},{"speaker":"Speaker 2","startTime":715.224,"endTime":715.224,"body":"."},{"speaker":"Speaker 2","startTime":715.224,"endTime":715.224,"body":" "},{"speaker":"Speaker 2","startTime":715.224,"endTime":715.224,"body":"\n"},{"speaker":"Speaker 1","startTime":715.744,"endTime":715.985,"body":"Okay"},{"speaker":"Speaker 1","startTime":715.985,"endTime":715.985,"body":","},{"speaker":"Speaker 1","startTime":715.985,"endTime":715.985,"body":" "},{"speaker":"Speaker 1","startTime":716.766,"endTime":717.087,"body":"so"},{"speaker":"Speaker 1","startTime":717.087,"endTime":717.087,"body":" "},{"speaker":"Speaker 1","startTime":717.627,"endTime":717.808,"body":"let's"},{"speaker":"Speaker 1","startTime":717.808,"endTime":717.808,"body":" "},{"speaker":"Speaker 1","startTime":717.848,"endTime":718.008,"body":"move"},{"speaker":"Speaker 1","startTime":718.008,"endTime":718.008,"body":" "},{"speaker":"Speaker 1","startTime":718.048,"endTime":718.268,"body":"into"},{"speaker":"Speaker 1","startTime":718.268,"endTime":718.268,"body":" "},{"speaker":"Speaker 1","startTime":718.289,"endTime":718.349,"body":"the"},{"speaker":"Speaker 1","startTime":718.349,"endTime":718.349,"body":" "},{"speaker":"Speaker 1","startTime":718.389,"endTime":718.609,"body":"next"},{"speaker":"Speaker 1","startTime":718.609,"endTime":718.609,"body":" "},{"speaker":"Speaker 1","startTime":719.07,"endTime":719.51,"body":"benefit"},{"speaker":"Speaker 1","startTime":719.51,"endTime":719.51,"body":" "},{"speaker":"Speaker 1","startTime":720.873,"endTime":721.333,"body":"Reduce"},{"speaker":"Speaker 1","startTime":721.333,"endTime":721.333,"body":" "},{"speaker":"Speaker 1","startTime":721.574,"endTime":722.175,"body":"concentrated"},{"speaker":"Speaker 1","startTime":722.175,"endTime":722.175,"body":" "},{"speaker":"Speaker 1","startTime":722.5,"endTime":722.801,"body":"stock"},{"speaker":"Speaker 1","startTime":722.801,"endTime":722.801,"body":" "},{"speaker":"Speaker 1","startTime":722.881,"endTime":723.162,"body":"risk"},{"speaker":"Speaker 1","startTime":723.162,"endTime":723.162,"body":"."},{"speaker":"Speaker 1","startTime":723.162,"endTime":723.162,"body":" "},{"speaker":"Speaker 1","startTime":723.222,"endTime":723.402,"body":"So"},{"speaker":"Speaker 1","startTime":723.402,"endTime":723.402,"body":" "},{"speaker":"Speaker 1","startTime":723.843,"endTime":723.983,"body":"we"},{"speaker":"Speaker 1","startTime":723.983,"endTime":723.983,"body":" "},{"speaker":"Speaker 1","startTime":724.023,"endTime":724.164,"body":"get"},{"speaker":"Speaker 1","startTime":724.164,"endTime":724.164,"body":" "},{"speaker":"Speaker 1","startTime":724.204,"endTime":724.564,"body":"clients"},{"speaker":"Speaker 1","startTime":724.564,"endTime":724.564,"body":" "},{"speaker":"Speaker 1","startTime":724.604,"endTime":724.805,"body":"quite"},{"speaker":"Speaker 1","startTime":724.805,"endTime":724.805,"body":" "},{"speaker":"Speaker 1","startTime":724.925,"endTime":725.326,"body":"often"},{"speaker":"Speaker 1","startTime":725.326,"endTime":725.326,"body":" "},{"speaker":"Speaker 1","startTime":725.446,"endTime":725.606,"body":"that"},{"speaker":"Speaker 1","startTime":725.606,"endTime":725.606,"body":" "},{"speaker":"Speaker 1","startTime":725.666,"endTime":725.887,"body":"come"},{"speaker":"Speaker 1","startTime":725.887,"endTime":725.887,"body":" "},{"speaker":"Speaker 1","startTime":725.927,"endTime":726.027,"body":"to"},{"speaker":"Speaker 1","startTime":726.027,"endTime":726.027,"body":" "},{"speaker":"Speaker 1","startTime":726.227,"endTime":726.328,"body":"us"},{"speaker":"Speaker 1","startTime":726.328,"endTime":726.328,"body":" "},{"speaker":"Speaker 1","startTime":726.428,"endTime":726.608,"body":"with"},{"speaker":"Speaker 1","startTime":726.608,"endTime":726.608,"body":" "},{"speaker":"Speaker 1","startTime":726.768,"endTime":726.989,"body":"low"},{"speaker":"Speaker 1","startTime":726.989,"endTime":726.989,"body":" "},{"speaker":"Speaker 1","startTime":727.049,"endTime":727.49,"body":"basis"},{"speaker":"Speaker 1","startTime":727.49,"endTime":727.49,"body":" "},{"speaker":"Speaker 1","startTime":727.55,"endTime":727.971,"body":"stock"},{"speaker":"Speaker 1","startTime":727.971,"endTime":727.971,"body":"."},{"speaker":"Speaker 1","startTime":727.971,"endTime":727.971,"body":" "},{"speaker":"Speaker 1","startTime":729.053,"endTime":729.173,"body":"They"},{"speaker":"Speaker 1","startTime":729.173,"endTime":729.173,"body":" "},{"speaker":"Speaker 1","startTime":729.213,"endTime":729.394,"body":"might"},{"speaker":"Speaker 1","startTime":729.394,"endTime":729.394,"body":" "},{"speaker":"Speaker 1","startTime":729.494,"endTime":729.654,"body":"have"},{"speaker":"Speaker 1","startTime":729.654,"endTime":729.654,"body":" "},{"speaker":"Speaker 1","startTime":729.78,"endTime":730.201,"body":"five"},{"speaker":"Speaker 1","startTime":730.201,"endTime":730.201,"body":","},{"speaker":"Speaker 1","startTime":730.201,"endTime":730.201,"body":" "},{"speaker":"Speaker 1","startTime":730.381,"endTime":730.782,"body":"10"},{"speaker":"Speaker 1","startTime":730.782,"endTime":730.782,"body":","},{"speaker":"Speaker 1","startTime":730.782,"endTime":730.782,"body":" "},{"speaker":"Speaker 1","startTime":731.303,"endTime":731.383,"body":"in"},{"speaker":"Speaker 1","startTime":731.383,"endTime":731.383,"body":" "},{"speaker":"Speaker 1","startTime":731.423,"endTime":731.584,"body":"some"},{"speaker":"Speaker 1","startTime":731.584,"endTime":731.584,"body":" "},{"speaker":"Speaker 1","startTime":731.644,"endTime":731.985,"body":"cases"},{"speaker":"Speaker 1","startTime":731.985,"endTime":731.985,"body":" "},{"speaker":"Speaker 1","startTime":732.385,"endTime":732.465,"body":"one"},{"speaker":"Speaker 1","startTime":732.465,"endTime":732.465,"body":" "},{"speaker":"Speaker 1","startTime":732.506,"endTime":732.706,"body":"case"},{"speaker":"Speaker 1","startTime":732.706,"endTime":732.706,"body":" "},{"speaker":"Speaker 1","startTime":732.726,"endTime":732.967,"body":"like"},{"speaker":"Speaker 1","startTime":732.967,"endTime":732.967,"body":" "},{"speaker":"Speaker 1","startTime":732.987,"endTime":733.768,"body":"116"},{"speaker":"Speaker 1","startTime":733.768,"endTime":733.768,"body":" "},{"speaker":"Speaker 1","startTime":733.808,"endTime":734.169,"body":"holdings"},{"speaker":"Speaker 1","startTime":734.169,"endTime":734.169,"body":","},{"speaker":"Speaker 1","startTime":734.169,"endTime":734.169,"body":" "},{"speaker":"Speaker 1","startTime":734.931,"endTime":735.091,"body":"but"},{"speaker":"Speaker 1","startTime":735.091,"endTime":735.091,"body":" "},{"speaker":"Speaker 1","startTime":735.271,"endTime":735.452,"body":"they've"},{"speaker":"Speaker 1","startTime":735.452,"endTime":735.452,"body":" "},{"speaker":"Speaker 1","startTime":735.472,"endTime":735.592,"body":"held"},{"speaker":"Speaker 1","startTime":735.592,"endTime":735.592,"body":" "},{"speaker":"Speaker 1","startTime":735.612,"endTime":735.712,"body":"them"},{"speaker":"Speaker 1","startTime":735.712,"endTime":735.712,"body":" "},{"speaker":"Speaker 1","startTime":735.732,"endTime":735.832,"body":"for"},{"speaker":"Speaker 1","startTime":735.832,"endTime":735.832,"body":" "},{"speaker":"Speaker 1","startTime":735.852,"endTime":735.892,"body":"a"},{"speaker":"Speaker 1","startTime":735.892,"endTime":735.892,"body":" "},{"speaker":"Speaker 1","startTime":735.933,"endTime":736.133,"body":"really"},{"speaker":"Speaker 1","startTime":736.133,"endTime":736.133,"body":" "},{"speaker":"Speaker 1","startTime":736.193,"endTime":736.373,"body":"long"},{"speaker":"Speaker 1","startTime":736.373,"endTime":736.373,"body":" "},{"speaker":"Speaker 1","startTime":736.433,"endTime":736.654,"body":"time"},{"speaker":"Speaker 1","startTime":736.654,"endTime":736.654,"body":"."},{"speaker":"Speaker 1","startTime":736.654,"endTime":736.654,"body":" "},{"speaker":"Speaker 1","startTime":736.654,"endTime":736.654,"body":"\n"},{"speaker":"Speaker 2","startTime":737.702,"endTime":737.922,"body":"Right"},{"speaker":"Speaker 2","startTime":737.922,"endTime":737.922,"body":"."},{"speaker":"Speaker 2","startTime":737.922,"endTime":737.922,"body":" "},{"speaker":"Speaker 2","startTime":737.922,"endTime":737.922,"body":"\n"},{"speaker":"Speaker 1","startTime":738.543,"endTime":738.703,"body":"So"},{"speaker":"Speaker 1","startTime":738.703,"endTime":738.703,"body":" "},{"speaker":"Speaker 1","startTime":738.823,"endTime":738.884,"body":"if"},{"speaker":"Speaker 1","startTime":738.884,"endTime":738.884,"body":" "},{"speaker":"Speaker 1","startTime":738.924,"endTime":739.064,"body":"you"},{"speaker":"Speaker 1","startTime":739.064,"endTime":739.064,"body":" "},{"speaker":"Speaker 1","startTime":739.104,"endTime":739.244,"body":"have"},{"speaker":"Speaker 1","startTime":739.244,"endTime":739.244,"body":" "},{"speaker":"Speaker 1","startTime":739.304,"endTime":739.424,"body":"all"},{"speaker":"Speaker 1","startTime":739.424,"endTime":739.424,"body":" "},{"speaker":"Speaker 1","startTime":739.465,"endTime":739.605,"body":"these"},{"speaker":"Speaker 1","startTime":739.605,"endTime":739.605,"body":" "},{"speaker":"Speaker 1","startTime":739.645,"endTime":740.025,"body":"individual"},{"speaker":"Speaker 1","startTime":740.025,"endTime":740.025,"body":" "},{"speaker":"Speaker 1","startTime":740.066,"endTime":740.326,"body":"stocks"},{"speaker":"Speaker 1","startTime":740.326,"endTime":740.326,"body":" "},{"speaker":"Speaker 1","startTime":740.366,"endTime":740.426,"body":"at"},{"speaker":"Speaker 1","startTime":740.426,"endTime":740.426,"body":" "},{"speaker":"Speaker 1","startTime":740.446,"endTime":740.606,"body":"low"},{"speaker":"Speaker 1","startTime":740.606,"endTime":740.606,"body":" "},{"speaker":"Speaker 1","startTime":740.626,"endTime":740.987,"body":"basis"},{"speaker":"Speaker 1","startTime":740.987,"endTime":740.987,"body":","},{"speaker":"Speaker 1","startTime":740.987,"endTime":740.987,"body":" "},{"speaker":"Speaker 1","startTime":741.007,"endTime":741.107,"body":"you"},{"speaker":"Speaker 1","startTime":741.107,"endTime":741.107,"body":" "},{"speaker":"Speaker 1","startTime":741.167,"endTime":741.368,"body":"can't"},{"speaker":"Speaker 1","startTime":741.368,"endTime":741.368,"body":" "},{"speaker":"Speaker 1","startTime":741.408,"endTime":741.608,"body":"really"},{"speaker":"Speaker 1","startTime":741.608,"endTime":741.608,"body":" "},{"speaker":"Speaker 1","startTime":741.668,"endTime":741.768,"body":"get"},{"speaker":"Speaker 1","startTime":741.768,"endTime":741.768,"body":" "},{"speaker":"Speaker 1","startTime":741.828,"endTime":741.969,"body":"rid"},{"speaker":"Speaker 1","startTime":741.969,"endTime":741.969,"body":" "},{"speaker":"Speaker 1","startTime":742.029,"endTime":742.089,"body":"of"},{"speaker":"Speaker 1","startTime":742.089,"endTime":742.089,"body":" "},{"speaker":"Speaker 1","startTime":742.209,"endTime":742.269,"body":"it"},{"speaker":"Speaker 1","startTime":742.269,"endTime":742.269,"body":"."},{"speaker":"Speaker 1","startTime":742.269,"endTime":742.269,"body":" "},{"speaker":"Speaker 1","startTime":743.191,"endTime":743.291,"body":"You"},{"speaker":"Speaker 1","startTime":743.291,"endTime":743.291,"body":" "},{"speaker":"Speaker 1","startTime":743.311,"endTime":743.472,"body":"could"},{"speaker":"Speaker 1","startTime":743.472,"endTime":743.472,"body":" "},{"speaker":"Speaker 1","startTime":743.512,"endTime":743.873,"body":"buy"},{"speaker":"Speaker 1","startTime":743.873,"endTime":743.873,"body":","},{"speaker":"Speaker 1","startTime":743.873,"endTime":743.873,"body":" "},{"speaker":"Speaker 1","startTime":743.893,"endTime":743.953,"body":"you"},{"speaker":"Speaker 1","startTime":743.953,"endTime":743.953,"body":" "},{"speaker":"Speaker 1","startTime":744.194,"endTime":744.314,"body":"could"},{"speaker":"Speaker 1","startTime":744.314,"endTime":744.314,"body":" "},{"speaker":"Speaker 1","startTime":744.334,"endTime":744.515,"body":"keep"},{"speaker":"Speaker 1","startTime":744.515,"endTime":744.515,"body":" "},{"speaker":"Speaker 1","startTime":744.555,"endTime":744.835,"body":"holding"},{"speaker":"Speaker 1","startTime":744.835,"endTime":744.835,"body":" "},{"speaker":"Speaker 1","startTime":744.876,"endTime":745.156,"body":"those"},{"speaker":"Speaker 1","startTime":745.156,"endTime":745.156,"body":" "},{"speaker":"Speaker 1","startTime":745.236,"endTime":745.337,"body":"and"},{"speaker":"Speaker 1","startTime":745.337,"endTime":745.337,"body":" "},{"speaker":"Speaker 1","startTime":745.457,"endTime":745.598,"body":"try"},{"speaker":"Speaker 1","startTime":745.598,"endTime":745.598,"body":" "},{"speaker":"Speaker 1","startTime":745.618,"endTime":745.718,"body":"to"},{"speaker":"Speaker 1","startTime":745.718,"endTime":745.718,"body":" "},{"speaker":"Speaker 1","startTime":745.738,"endTime":745.898,"body":"buy"},{"speaker":"Speaker 1","startTime":745.898,"endTime":745.898,"body":" "},{"speaker":"Speaker 1","startTime":745.918,"endTime":746.139,"body":"some"},{"speaker":"Speaker 1","startTime":746.139,"endTime":746.139,"body":" "},{"speaker":"Speaker 1","startTime":746.159,"endTime":746.58,"body":"ETFs"},{"speaker":"Speaker 1","startTime":746.58,"endTime":746.58,"body":" "},{"speaker":"Speaker 1","startTime":746.6,"endTime":746.68,"body":"to"},{"speaker":"Speaker 1","startTime":746.68,"endTime":746.68,"body":" "},{"speaker":"Speaker 1","startTime":746.72,"endTime":746.881,"body":"fill"},{"speaker":"Speaker 1","startTime":746.881,"endTime":746.881,"body":" "},{"speaker":"Speaker 1","startTime":746.921,"endTime":746.981,"body":"in"},{"speaker":"Speaker 1","startTime":746.981,"endTime":746.981,"body":" "},{"speaker":"Speaker 1","startTime":747.001,"endTime":747.081,"body":"the"},{"speaker":"Speaker 1","startTime":747.081,"endTime":747.081,"body":" "},{"speaker":"Speaker 1","startTime":747.102,"endTime":747.402,"body":"gaps"},{"speaker":"Speaker 1","startTime":747.402,"endTime":747.402,"body":"."},{"speaker":"Speaker 1","startTime":747.402,"endTime":747.402,"body":" "},{"speaker":"Speaker 1","startTime":748.052,"endTime":748.192,"body":"That's"},{"speaker":"Speaker 1","startTime":748.192,"endTime":748.192,"body":" "},{"speaker":"Speaker 1","startTime":748.212,"endTime":748.313,"body":"what"},{"speaker":"Speaker 1","startTime":748.313,"endTime":748.313,"body":" "},{"speaker":"Speaker 1","startTime":748.353,"endTime":748.433,"body":"we"},{"speaker":"Speaker 1","startTime":748.433,"endTime":748.433,"body":" "},{"speaker":"Speaker 1","startTime":748.534,"endTime":748.694,"body":"used"},{"speaker":"Speaker 1","startTime":748.694,"endTime":748.694,"body":" "},{"speaker":"Speaker 1","startTime":748.714,"endTime":748.775,"body":"to"},{"speaker":"Speaker 1","startTime":748.775,"endTime":748.775,"body":" "},{"speaker":"Speaker 1","startTime":748.815,"endTime":748.915,"body":"do"},{"speaker":"Speaker 1","startTime":748.915,"endTime":748.915,"body":","},{"speaker":"Speaker 1","startTime":748.915,"endTime":748.915,"body":" "},{"speaker":"Speaker 1","startTime":749.792,"endTime":749.912,"body":"but"},{"speaker":"Speaker 1","startTime":749.912,"endTime":749.912,"body":" "},{"speaker":"Speaker 1","startTime":749.972,"endTime":750.173,"body":"now"},{"speaker":"Speaker 1","startTime":750.173,"endTime":750.173,"body":","},{"speaker":"Speaker 1","startTime":750.173,"endTime":750.173,"body":" "},{"speaker":"Speaker 1","startTime":750.213,"endTime":750.314,"body":"with"},{"speaker":"Speaker 1","startTime":750.314,"endTime":750.314,"body":" "},{"speaker":"Speaker 1","startTime":750.354,"endTime":750.595,"body":"direct"},{"speaker":"Speaker 1","startTime":750.595,"endTime":750.595,"body":" "},{"speaker":"Speaker 1","startTime":750.655,"endTime":751.177,"body":"indexing"},{"speaker":"Speaker 1","startTime":751.177,"endTime":751.177,"body":","},{"speaker":"Speaker 1","startTime":751.177,"endTime":751.177,"body":" "},{"speaker":"Speaker 1","startTime":752.012,"endTime":752.112,"body":"what"},{"speaker":"Speaker 1","startTime":752.112,"endTime":752.112,"body":" "},{"speaker":"Speaker 1","startTime":752.132,"endTime":752.253,"body":"can"},{"speaker":"Speaker 1","startTime":752.253,"endTime":752.253,"body":" "},{"speaker":"Speaker 1","startTime":752.273,"endTime":752.353,"body":"we"},{"speaker":"Speaker 1","startTime":752.353,"endTime":752.353,"body":" "},{"speaker":"Speaker 1","startTime":752.393,"endTime":752.474,"body":"do"},{"speaker":"Speaker 1","startTime":752.474,"endTime":752.474,"body":"?"},{"speaker":"Speaker 1","startTime":752.474,"endTime":752.474,"body":" "},{"speaker":"Speaker 1","startTime":752.474,"endTime":752.474,"body":"\n"},{"speaker":"Speaker 2","startTime":753.392,"endTime":753.492,"body":"so"},{"speaker":"Speaker 2","startTime":753.492,"endTime":753.492,"body":" "},{"speaker":"Speaker 2","startTime":753.512,"endTime":753.613,"body":"with"},{"speaker":"Speaker 2","startTime":753.613,"endTime":753.613,"body":" "},{"speaker":"Speaker 2","startTime":753.633,"endTime":753.854,"body":"direct"},{"speaker":"Speaker 2","startTime":753.854,"endTime":753.854,"body":" "},{"speaker":"Speaker 2","startTime":753.894,"endTime":754.416,"body":"indexing"},{"speaker":"Speaker 2","startTime":754.416,"endTime":754.416,"body":","},{"speaker":"Speaker 2","startTime":754.416,"endTime":754.416,"body":" "},{"speaker":"Speaker 2","startTime":755.551,"endTime":755.631,"body":"you"},{"speaker":"Speaker 2","startTime":755.631,"endTime":755.631,"body":" "},{"speaker":"Speaker 2","startTime":755.651,"endTime":755.751,"body":"know"},{"speaker":"Speaker 2","startTime":755.751,"endTime":755.751,"body":","},{"speaker":"Speaker 2","startTime":755.751,"endTime":755.751,"body":" "},{"speaker":"Speaker 2","startTime":755.791,"endTime":756.012,"body":"again"},{"speaker":"Speaker 2","startTime":756.012,"endTime":756.012,"body":","},{"speaker":"Speaker 2","startTime":756.012,"endTime":756.012,"body":" "},{"speaker":"Speaker 2","startTime":756.112,"endTime":756.192,"body":"it"},{"speaker":"Speaker 2","startTime":756.192,"endTime":756.192,"body":" "},{"speaker":"Speaker 2","startTime":756.353,"endTime":756.493,"body":"would"},{"speaker":"Speaker 2","startTime":756.493,"endTime":756.493,"body":" "},{"speaker":"Speaker 2","startTime":756.533,"endTime":756.814,"body":"probably"},{"speaker":"Speaker 2","startTime":756.814,"endTime":756.814,"body":" "},{"speaker":"Speaker 2","startTime":756.854,"endTime":757.114,"body":"takes"},{"speaker":"Speaker 2","startTime":757.114,"endTime":757.114,"body":" "},{"speaker":"Speaker 2","startTime":757.235,"endTime":757.756,"body":"additional"},{"speaker":"Speaker 2","startTime":757.756,"endTime":757.756,"body":" "},{"speaker":"Speaker 2","startTime":758.016,"endTime":758.437,"body":"cash"},{"speaker":"Speaker 2","startTime":758.437,"endTime":758.437,"body":" "},{"speaker":"Speaker 2","startTime":758.718,"endTime":758.818,"body":"to"},{"speaker":"Speaker 2","startTime":758.818,"endTime":758.818,"body":" "},{"speaker":"Speaker 2","startTime":758.858,"endTime":758.938,"body":"be"},{"speaker":"Speaker 2","startTime":758.938,"endTime":758.938,"body":" "},{"speaker":"Speaker 2","startTime":758.979,"endTime":759.159,"body":"able"},{"speaker":"Speaker 2","startTime":759.159,"endTime":759.159,"body":" "},{"speaker":"Speaker 2","startTime":759.279,"endTime":759.54,"body":"to"},{"speaker":"Speaker 2","startTime":759.54,"endTime":759.54,"body":" "},{"speaker":"Speaker 2","startTime":760.141,"endTime":760.261,"body":"for"},{"speaker":"Speaker 2","startTime":760.261,"endTime":760.261,"body":" "},{"speaker":"Speaker 2","startTime":760.281,"endTime":760.362,"body":"the"},{"speaker":"Speaker 2","startTime":760.362,"endTime":760.362,"body":" "},{"speaker":"Speaker 2","startTime":760.382,"endTime":760.883,"body":"software"},{"speaker":"Speaker 2","startTime":760.883,"endTime":760.883,"body":" "},{"speaker":"Speaker 2","startTime":761.524,"endTime":761.624,"body":"and"},{"speaker":"Speaker 2","startTime":761.624,"endTime":761.624,"body":" "},{"speaker":"Speaker 2","startTime":762.271,"endTime":762.371,"body":"the"},{"speaker":"Speaker 2","startTime":762.371,"endTime":762.371,"body":" "},{"speaker":"Speaker 2","startTime":762.411,"endTime":762.732,"body":"strategy"},{"speaker":"Speaker 2","startTime":762.732,"endTime":762.732,"body":" "},{"speaker":"Speaker 2","startTime":762.772,"endTime":762.852,"body":"to"},{"speaker":"Speaker 2","startTime":762.852,"endTime":762.852,"body":" "},{"speaker":"Speaker 2","startTime":762.872,"endTime":763.093,"body":"work"},{"speaker":"Speaker 2","startTime":763.093,"endTime":763.093,"body":"."},{"speaker":"Speaker 2","startTime":763.093,"endTime":763.093,"body":" "},{"speaker":"Speaker 2","startTime":763.634,"endTime":763.774,"body":"But"},{"speaker":"Speaker 2","startTime":763.774,"endTime":763.774,"body":" "},{"speaker":"Speaker 2","startTime":763.834,"endTime":763.954,"body":"you"},{"speaker":"Speaker 2","startTime":763.954,"endTime":763.954,"body":" "},{"speaker":"Speaker 2","startTime":764.015,"endTime":764.235,"body":"can"},{"speaker":"Speaker 2","startTime":764.235,"endTime":764.235,"body":" "},{"speaker":"Speaker 2","startTime":764.335,"endTime":764.796,"body":"transfer"},{"speaker":"Speaker 2","startTime":764.796,"endTime":764.796,"body":" "},{"speaker":"Speaker 2","startTime":764.877,"endTime":764.977,"body":"or"},{"speaker":"Speaker 2","startTime":764.977,"endTime":764.977,"body":" "},{"speaker":"Speaker 2","startTime":765.017,"endTime":765.097,"body":"you"},{"speaker":"Speaker 2","startTime":765.097,"endTime":765.097,"body":" "},{"speaker":"Speaker 2","startTime":765.117,"endTime":765.217,"body":"can"},{"speaker":"Speaker 2","startTime":765.217,"endTime":765.217,"body":" "},{"speaker":"Speaker 2","startTime":765.257,"endTime":765.558,"body":"journal"},{"speaker":"Speaker 2","startTime":765.558,"endTime":765.558,"body":" "},{"speaker":"Speaker 2","startTime":765.658,"endTime":765.859,"body":"over"},{"speaker":"Speaker 2","startTime":765.859,"endTime":765.859,"body":" "},{"speaker":"Speaker 2","startTime":765.939,"endTime":766.119,"body":"these"},{"speaker":"Speaker 2","startTime":766.119,"endTime":766.119,"body":" "},{"speaker":"Speaker 2","startTime":766.159,"endTime":766.62,"body":"shares"},{"speaker":"Speaker 2","startTime":766.62,"endTime":766.62,"body":" "},{"speaker":"Speaker 2","startTime":766.981,"endTime":767.101,"body":"and"},{"speaker":"Speaker 2","startTime":767.101,"endTime":767.101,"body":" "},{"speaker":"Speaker 2","startTime":767.262,"endTime":767.342,"body":"you"},{"speaker":"Speaker 2","startTime":767.342,"endTime":767.342,"body":" "},{"speaker":"Speaker 2","startTime":767.362,"endTime":767.502,"body":"know"},{"speaker":"Speaker 2","startTime":767.502,"endTime":767.502,"body":" "},{"speaker":"Speaker 2","startTime":767.522,"endTime":767.622,"body":"we"},{"speaker":"Speaker 2","startTime":767.622,"endTime":767.622,"body":" "},{"speaker":"Speaker 2","startTime":767.642,"endTime":767.843,"body":"work"},{"speaker":"Speaker 2","startTime":767.843,"endTime":767.843,"body":" "},{"speaker":"Speaker 2","startTime":768.164,"endTime":768.264,"body":"our"},{"speaker":"Speaker 2","startTime":768.264,"endTime":768.264,"body":" "},{"speaker":"Speaker 2","startTime":768.732,"endTime":769.316,"body":"Provider"},{"speaker":"Speaker 2","startTime":769.316,"endTime":769.316,"body":" "},{"speaker":"Speaker 2","startTime":769.921,"endTime":770.223,"body":"strategy"},{"speaker":"Speaker 2","startTime":770.223,"endTime":770.223,"body":" "},{"speaker":"Speaker 2","startTime":770.244,"endTime":770.546,"body":"provider"},{"speaker":"Speaker 2","startTime":770.546,"endTime":770.546,"body":" "},{"speaker":"Speaker 2","startTime":770.566,"endTime":770.647,"body":"that"},{"speaker":"Speaker 2","startTime":770.647,"endTime":770.647,"body":" "},{"speaker":"Speaker 2","startTime":770.667,"endTime":770.748,"body":"we"},{"speaker":"Speaker 2","startTime":770.748,"endTime":770.748,"body":" "},{"speaker":"Speaker 2","startTime":770.768,"endTime":770.909,"body":"work"},{"speaker":"Speaker 2","startTime":770.909,"endTime":770.909,"body":" "},{"speaker":"Speaker 2","startTime":770.949,"endTime":771.03,"body":"with"},{"speaker":"Speaker 2","startTime":771.03,"endTime":771.03,"body":","},{"speaker":"Speaker 2","startTime":771.03,"endTime":771.03,"body":" "},{"speaker":"Speaker 2","startTime":771.19,"endTime":771.27,"body":"you"},{"speaker":"Speaker 2","startTime":771.27,"endTime":771.27,"body":" "},{"speaker":"Speaker 2","startTime":771.291,"endTime":771.431,"body":"know"},{"speaker":"Speaker 2","startTime":771.431,"endTime":771.431,"body":" "},{"speaker":"Speaker 2","startTime":771.571,"endTime":771.691,"body":"we"},{"speaker":"Speaker 2","startTime":771.691,"endTime":771.691,"body":" "},{"speaker":"Speaker 2","startTime":771.732,"endTime":771.912,"body":"do"},{"speaker":"Speaker 2","startTime":771.912,"endTime":771.912,"body":" "},{"speaker":"Speaker 2","startTime":771.972,"endTime":772.513,"body":"analysis"},{"speaker":"Speaker 2","startTime":772.513,"endTime":772.513,"body":" "},{"speaker":"Speaker 2","startTime":772.573,"endTime":772.774,"body":"to"},{"speaker":"Speaker 2","startTime":772.774,"endTime":772.774,"body":" "},{"speaker":"Speaker 2","startTime":773.235,"endTime":773.335,"body":"to"},{"speaker":"Speaker 2","startTime":773.335,"endTime":773.335,"body":" "},{"speaker":"Speaker 2","startTime":773.395,"endTime":773.696,"body":"see"},{"speaker":"Speaker 2","startTime":773.696,"endTime":773.696,"body":" "},{"speaker":"Speaker 2","startTime":774.337,"endTime":774.458,"body":"how"},{"speaker":"Speaker 2","startTime":774.458,"endTime":774.458,"body":" "},{"speaker":"Speaker 2","startTime":774.498,"endTime":774.638,"body":"many"},{"speaker":"Speaker 2","startTime":774.638,"endTime":774.638,"body":" "},{"speaker":"Speaker 2","startTime":774.678,"endTime":774.959,"body":"shares"},{"speaker":"Speaker 2","startTime":774.959,"endTime":774.959,"body":" "},{"speaker":"Speaker 2","startTime":774.999,"endTime":775.079,"body":"of"},{"speaker":"Speaker 2","startTime":775.079,"endTime":775.079,"body":" "},{"speaker":"Speaker 2","startTime":775.099,"endTime":775.239,"body":"these"},{"speaker":"Speaker 2","startTime":775.239,"endTime":775.239,"body":" "},{"speaker":"Speaker 2","startTime":775.28,"endTime":775.62,"body":"legacy"},{"speaker":"Speaker 2","startTime":775.62,"endTime":775.62,"body":" "},{"speaker":"Speaker 2","startTime":775.66,"endTime":775.981,"body":"holdings"},{"speaker":"Speaker 2","startTime":775.981,"endTime":775.981,"body":" "},{"speaker":"Speaker 2","startTime":776.001,"endTime":776.141,"body":"they"},{"speaker":"Speaker 2","startTime":776.141,"endTime":776.141,"body":" "},{"speaker":"Speaker 2","startTime":776.162,"endTime":776.402,"body":"can"},{"speaker":"Speaker 2","startTime":776.402,"endTime":776.402,"body":" "},{"speaker":"Speaker 2","startTime":776.442,"endTime":776.703,"body":"journal"},{"speaker":"Speaker 2","startTime":776.703,"endTime":776.703,"body":" "},{"speaker":"Speaker 2","startTime":776.783,"endTime":776.943,"body":"over"},{"speaker":"Speaker 2","startTime":776.943,"endTime":776.943,"body":" "},{"speaker":"Speaker 2","startTime":778.051,"endTime":778.232,"body":"for"},{"speaker":"Speaker 2","startTime":778.232,"endTime":778.232,"body":" "},{"speaker":"Speaker 2","startTime":778.252,"endTime":778.313,"body":"the"},{"speaker":"Speaker 2","startTime":778.313,"endTime":778.313,"body":" "},{"speaker":"Speaker 2","startTime":778.393,"endTime":778.513,"body":"for"},{"speaker":"Speaker 2","startTime":778.513,"endTime":778.513,"body":" "},{"speaker":"Speaker 2","startTime":778.533,"endTime":778.614,"body":"the"},{"speaker":"Speaker 2","startTime":778.614,"endTime":778.614,"body":" "},{"speaker":"Speaker 2","startTime":778.654,"endTime":778.815,"body":"track"},{"speaker":"Speaker 2","startTime":778.815,"endTime":778.815,"body":" "},{"speaker":"Speaker 2","startTime":778.835,"endTime":778.895,"body":"and"},{"speaker":"Speaker 2","startTime":778.895,"endTime":778.895,"body":" "},{"speaker":"Speaker 2","startTime":778.935,"endTime":779.036,"body":"error"},{"speaker":"Speaker 2","startTime":779.036,"endTime":779.036,"body":" "},{"speaker":"Speaker 2","startTime":779.056,"endTime":779.136,"body":"to"},{"speaker":"Speaker 2","startTime":779.136,"endTime":779.136,"body":" "},{"speaker":"Speaker 2","startTime":779.156,"endTime":779.256,"body":"be"},{"speaker":"Speaker 2","startTime":779.256,"endTime":779.256,"body":" "},{"speaker":"Speaker 2","startTime":779.297,"endTime":779.558,"body":"close"},{"speaker":"Speaker 2","startTime":779.558,"endTime":779.558,"body":" "},{"speaker":"Speaker 2","startTime":779.598,"endTime":779.879,"body":"enough"},{"speaker":"Speaker 2","startTime":779.879,"endTime":779.879,"body":" "},{"speaker":"Speaker 2","startTime":780.482,"endTime":780.562,"body":"to"},{"speaker":"Speaker 2","startTime":780.562,"endTime":780.562,"body":" "},{"speaker":"Speaker 2","startTime":780.602,"endTime":780.843,"body":"where"},{"speaker":"Speaker 2","startTime":780.843,"endTime":780.843,"body":" "},{"speaker":"Speaker 2","startTime":782.168,"endTime":782.229,"body":"it"},{"speaker":"Speaker 2","startTime":782.229,"endTime":782.229,"body":" "},{"speaker":"Speaker 2","startTime":782.249,"endTime":782.389,"body":"would"},{"speaker":"Speaker 2","startTime":782.389,"endTime":782.389,"body":" "},{"speaker":"Speaker 2","startTime":782.409,"endTime":782.51,"body":"work"},{"speaker":"Speaker 2","startTime":782.51,"endTime":782.51,"body":"."},{"speaker":"Speaker 2","startTime":782.51,"endTime":782.51,"body":" "},{"speaker":"Speaker 2","startTime":782.63,"endTime":782.791,"body":"But"},{"speaker":"Speaker 2","startTime":782.791,"endTime":782.791,"body":" "},{"speaker":"Speaker 2","startTime":783.232,"endTime":783.332,"body":"you"},{"speaker":"Speaker 2","startTime":783.332,"endTime":783.332,"body":" "},{"speaker":"Speaker 2","startTime":783.352,"endTime":783.452,"body":"can"},{"speaker":"Speaker 2","startTime":783.452,"endTime":783.452,"body":" "},{"speaker":"Speaker 2","startTime":783.472,"endTime":783.693,"body":"journal"},{"speaker":"Speaker 2","startTime":783.693,"endTime":783.693,"body":" "},{"speaker":"Speaker 2","startTime":783.733,"endTime":783.873,"body":"over"},{"speaker":"Speaker 2","startTime":783.873,"endTime":783.873,"body":" "},{"speaker":"Speaker 2","startTime":783.913,"endTime":784.053,"body":"these"},{"speaker":"Speaker 2","startTime":784.053,"endTime":784.053,"body":" "},{"speaker":"Speaker 2","startTime":784.094,"endTime":784.394,"body":"shares"},{"speaker":"Speaker 2","startTime":784.394,"endTime":784.394,"body":" "},{"speaker":"Speaker 2","startTime":784.494,"endTime":784.595,"body":"and"},{"speaker":"Speaker 2","startTime":784.595,"endTime":784.595,"body":" "},{"speaker":"Speaker 2","startTime":784.615,"endTime":784.875,"body":"then"},{"speaker":"Speaker 2","startTime":784.875,"endTime":784.875,"body":" "},{"speaker":"Speaker 2","startTime":785.336,"endTime":785.457,"body":"add"},{"speaker":"Speaker 2","startTime":785.457,"endTime":785.457,"body":" "},{"speaker":"Speaker 2","startTime":785.497,"endTime":785.637,"body":"this"},{"speaker":"Speaker 2","startTime":785.637,"endTime":785.637,"body":" "},{"speaker":"Speaker 2","startTime":785.717,"endTime":785.938,"body":"fresh"},{"speaker":"Speaker 2","startTime":785.938,"endTime":785.938,"body":" "},{"speaker":"Speaker 2","startTime":785.978,"endTime":786.319,"body":"cash"},{"speaker":"Speaker 2","startTime":786.319,"endTime":786.319,"body":" "},{"speaker":"Speaker 2","startTime":786.439,"endTime":786.519,"body":"and"},{"speaker":"Speaker 2","startTime":786.519,"endTime":786.519,"body":" "},{"speaker":"Speaker 2","startTime":786.539,"endTime":786.74,"body":"then"},{"speaker":"Speaker 2","startTime":786.74,"endTime":786.74,"body":" "},{"speaker":"Speaker 2","startTime":787.201,"endTime":787.381,"body":"over"},{"speaker":"Speaker 2","startTime":787.381,"endTime":787.381,"body":" "},{"speaker":"Speaker 2","startTime":787.421,"endTime":787.842,"body":"time"},{"speaker":"Speaker 2","startTime":787.842,"endTime":787.842,"body":" "},{"speaker":"Speaker 2","startTime":787.982,"endTime":788.063,"body":"it"},{"speaker":"Speaker 2","startTime":788.063,"endTime":788.063,"body":" "},{"speaker":"Speaker 2","startTime":788.103,"endTime":788.403,"body":"would"},{"speaker":"Speaker 2","startTime":788.403,"endTime":788.403,"body":","},{"speaker":"Speaker 2","startTime":788.403,"endTime":788.403,"body":" "},{"speaker":"Speaker 2","startTime":789.112,"endTime":789.192,"body":"you"},{"speaker":"Speaker 2","startTime":789.192,"endTime":789.192,"body":" "},{"speaker":"Speaker 2","startTime":789.233,"endTime":789.333,"body":"know"},{"speaker":"Speaker 2","startTime":789.333,"endTime":789.333,"body":","},{"speaker":"Speaker 2","startTime":789.333,"endTime":789.333,"body":" "},{"speaker":"Speaker 2","startTime":789.393,"endTime":789.534,"body":"with"},{"speaker":"Speaker 2","startTime":789.534,"endTime":789.534,"body":" "},{"speaker":"Speaker 2","startTime":789.554,"endTime":789.634,"body":"the"},{"speaker":"Speaker 2","startTime":789.634,"endTime":789.634,"body":" "},{"speaker":"Speaker 2","startTime":789.655,"endTime":789.856,"body":"tax"},{"speaker":"Speaker 2","startTime":789.856,"endTime":789.856,"body":" "},{"speaker":"Speaker 2","startTime":789.876,"endTime":790.057,"body":"loss"},{"speaker":"Speaker 2","startTime":790.057,"endTime":790.057,"body":" "},{"speaker":"Speaker 2","startTime":790.077,"endTime":790.619,"body":"harvesting"},{"speaker":"Speaker 2","startTime":790.619,"endTime":790.619,"body":"."},{"speaker":"Speaker 2","startTime":790.619,"endTime":790.619,"body":" "},{"speaker":"Speaker 2","startTime":791.302,"endTime":791.403,"body":"You"},{"speaker":"Speaker 2","startTime":791.403,"endTime":791.403,"body":" "},{"speaker":"Speaker 2","startTime":791.443,"endTime":791.564,"body":"could"},{"speaker":"Speaker 2","startTime":791.564,"endTime":791.564,"body":" "},{"speaker":"Speaker 2","startTime":791.664,"endTime":791.785,"body":"use"},{"speaker":"Speaker 2","startTime":791.785,"endTime":791.785,"body":" "},{"speaker":"Speaker 2","startTime":791.805,"endTime":791.945,"body":"these"},{"speaker":"Speaker 2","startTime":791.945,"endTime":791.945,"body":" "},{"speaker":"Speaker 2","startTime":791.986,"endTime":792.347,"body":"losses"},{"speaker":"Speaker 2","startTime":792.347,"endTime":792.347,"body":" "},{"speaker":"Speaker 2","startTime":792.388,"endTime":792.629,"body":"to"},{"speaker":"Speaker 2","startTime":792.629,"endTime":792.629,"body":" "},{"speaker":"Speaker 2","startTime":792.649,"endTime":792.87,"body":"either"},{"speaker":"Speaker 2","startTime":792.87,"endTime":792.87,"body":","},{"speaker":"Speaker 2","startTime":792.87,"endTime":792.87,"body":" "},{"speaker":"Speaker 2","startTime":794.894,"endTime":794.994,"body":"you"},{"speaker":"Speaker 2","startTime":794.994,"endTime":794.994,"body":" "},{"speaker":"Speaker 2","startTime":795.014,"endTime":795.134,"body":"know"},{"speaker":"Speaker 2","startTime":795.134,"endTime":795.134,"body":","},{"speaker":"Speaker 2","startTime":795.134,"endTime":795.134,"body":" "},{"speaker":"Speaker 2","startTime":795.194,"endTime":795.495,"body":"have"},{"speaker":"Speaker 2","startTime":795.495,"endTime":795.495,"body":" "},{"speaker":"Speaker 2","startTime":796.016,"endTime":796.096,"body":"the"},{"speaker":"Speaker 2","startTime":796.096,"endTime":796.096,"body":" "},{"speaker":"Speaker 2","startTime":796.136,"endTime":796.437,"body":"losses"},{"speaker":"Speaker 2","startTime":796.437,"endTime":796.437,"body":" "},{"speaker":"Speaker 2","startTime":796.477,"endTime":796.597,"body":"for"},{"speaker":"Speaker 2","startTime":796.597,"endTime":796.597,"body":" "},{"speaker":"Speaker 2","startTime":796.637,"endTime":796.857,"body":"carry"},{"speaker":"Speaker 2","startTime":796.857,"endTime":796.857,"body":" "},{"speaker":"Speaker 2","startTime":796.897,"endTime":797.158,"body":"forward"},{"speaker":"Speaker 2","startTime":797.158,"endTime":797.158,"body":" "},{"speaker":"Speaker 2","startTime":797.198,"endTime":797.358,"body":"into"},{"speaker":"Speaker 2","startTime":797.358,"endTime":797.358,"body":" "},{"speaker":"Speaker 2","startTime":797.418,"endTime":797.699,"body":"offset"},{"speaker":"Speaker 2","startTime":797.699,"endTime":797.699,"body":" "},{"speaker":"Speaker 2","startTime":797.719,"endTime":797.919,"body":"gains"},{"speaker":"Speaker 2","startTime":797.919,"endTime":797.919,"body":" "},{"speaker":"Speaker 2","startTime":797.96,"endTime":798.1,"body":"in"},{"speaker":"Speaker 2","startTime":798.1,"endTime":798.1,"body":" "},{"speaker":"Speaker 2","startTime":798.461,"endTime":798.541,"body":"the"},{"speaker":"Speaker 2","startTime":798.541,"endTime":798.541,"body":" "},{"speaker":"Speaker 2","startTime":798.581,"endTime":798.941,"body":"portfolio"},{"speaker":"Speaker 2","startTime":798.941,"endTime":798.941,"body":" "},{"speaker":"Speaker 2","startTime":798.981,"endTime":799.322,"body":"elsewhere"},{"speaker":"Speaker 2","startTime":799.322,"endTime":799.322,"body":","},{"speaker":"Speaker 2","startTime":799.322,"endTime":799.322,"body":" "},{"speaker":"Speaker 2","startTime":799.442,"endTime":799.542,"body":"or"},{"speaker":"Speaker 2","startTime":799.542,"endTime":799.542,"body":" "},{"speaker":"Speaker 2","startTime":799.583,"endTime":799.703,"body":"you"},{"speaker":"Speaker 2","startTime":799.703,"endTime":799.703,"body":" "},{"speaker":"Speaker 2","startTime":799.743,"endTime":799.963,"body":"could"},{"speaker":"Speaker 2","startTime":799.963,"endTime":799.963,"body":" "},{"speaker":"Speaker 2","startTime":800.384,"endTime":800.564,"body":"help"},{"speaker":"Speaker 2","startTime":800.564,"endTime":800.564,"body":" "},{"speaker":"Speaker 2","startTime":801.61,"endTime":802.151,"body":"diversify"},{"speaker":"Speaker 2","startTime":802.151,"endTime":802.151,"body":" "},{"speaker":"Speaker 2","startTime":802.171,"endTime":802.311,"body":"your"},{"speaker":"Speaker 2","startTime":802.311,"endTime":802.311,"body":" "},{"speaker":"Speaker 2","startTime":802.371,"endTime":802.933,"body":"portfolio"},{"speaker":"Speaker 2","startTime":802.933,"endTime":802.933,"body":" "},{"speaker":"Speaker 2","startTime":802.953,"endTime":803.393,"body":"holdings"},{"speaker":"Speaker 2","startTime":803.393,"endTime":803.393,"body":" "},{"speaker":"Speaker 2","startTime":803.734,"endTime":803.834,"body":"and"},{"speaker":"Speaker 2","startTime":803.834,"endTime":803.834,"body":","},{"speaker":"Speaker 2","startTime":803.834,"endTime":803.834,"body":" "},{"speaker":"Speaker 2","startTime":804.415,"endTime":804.516,"body":"and"},{"speaker":"Speaker 2","startTime":804.516,"endTime":804.516,"body":" "},{"speaker":"Speaker 2","startTime":804.576,"endTime":804.636,"body":"you"},{"speaker":"Speaker 2","startTime":804.636,"endTime":804.636,"body":" "},{"speaker":"Speaker 2","startTime":804.676,"endTime":804.776,"body":"know"},{"speaker":"Speaker 2","startTime":804.776,"endTime":804.776,"body":" "},{"speaker":"Speaker 2","startTime":804.796,"endTime":804.876,"body":"you"},{"speaker":"Speaker 2","startTime":804.876,"endTime":804.876,"body":" "},{"speaker":"Speaker 2","startTime":804.916,"endTime":805.077,"body":"might"},{"speaker":"Speaker 2","startTime":805.077,"endTime":805.077,"body":" "},{"speaker":"Speaker 2","startTime":805.117,"endTime":805.237,"body":"have"},{"speaker":"Speaker 2","startTime":805.237,"endTime":805.237,"body":" "},{"speaker":"Speaker 2","startTime":805.277,"endTime":805.438,"body":"this"},{"speaker":"Speaker 2","startTime":805.438,"endTime":805.438,"body":" "},{"speaker":"Speaker 2","startTime":805.878,"endTime":806.259,"body":"legacy"},{"speaker":"Speaker 2","startTime":806.259,"endTime":806.259,"body":" "},{"speaker":"Speaker 2","startTime":806.279,"endTime":806.64,"body":"account"},{"speaker":"Speaker 2","startTime":806.64,"endTime":806.64,"body":" "},{"speaker":"Speaker 2","startTime":806.68,"endTime":806.8,"body":"that"},{"speaker":"Speaker 2","startTime":806.8,"endTime":806.8,"body":" "},{"speaker":"Speaker 2","startTime":806.86,"endTime":807.041,"body":"has"},{"speaker":"Speaker 2","startTime":807.041,"endTime":807.041,"body":" "},{"speaker":"Speaker 2","startTime":807.081,"endTime":807.261,"body":"all"},{"speaker":"Speaker 2","startTime":807.261,"endTime":807.261,"body":" "},{"speaker":"Speaker 2","startTime":807.301,"endTime":807.441,"body":"these"},{"speaker":"Speaker 2","startTime":807.441,"endTime":807.441,"body":" "},{"speaker":"Speaker 2","startTime":807.522,"endTime":808.003,"body":"concentrated"},{"speaker":"Speaker 2","startTime":808.003,"endTime":808.003,"body":" "},{"speaker":"Speaker 2","startTime":808.043,"endTime":808.323,"body":"stock"},{"speaker":"Speaker 2","startTime":808.323,"endTime":808.323,"body":" "},{"speaker":"Speaker 2","startTime":808.343,"endTime":808.844,"body":"positions"},{"speaker":"Speaker 2","startTime":808.844,"endTime":808.844,"body":" "},{"speaker":"Speaker 2","startTime":809.772,"endTime":809.852,"body":"and"},{"speaker":"Speaker 2","startTime":809.852,"endTime":809.852,"body":" "},{"speaker":"Speaker 2","startTime":809.892,"endTime":809.993,"body":"it's"},{"speaker":"Speaker 2","startTime":809.993,"endTime":809.993,"body":" "},{"speaker":"Speaker 2","startTime":810.033,"endTime":810.374,"body":"very"},{"speaker":"Speaker 2","startTime":810.374,"endTime":810.374,"body":","},{"speaker":"Speaker 2","startTime":810.374,"endTime":810.374,"body":" "},{"speaker":"Speaker 2","startTime":811.811,"endTime":811.911,"body":"it's"},{"speaker":"Speaker 2","startTime":811.911,"endTime":811.911,"body":" "},{"speaker":"Speaker 2","startTime":811.951,"endTime":812.132,"body":"not"},{"speaker":"Speaker 2","startTime":812.132,"endTime":812.132,"body":" "},{"speaker":"Speaker 2","startTime":812.473,"endTime":812.934,"body":"diversified"},{"speaker":"Speaker 2","startTime":812.934,"endTime":812.934,"body":"."},{"speaker":"Speaker 2","startTime":812.934,"endTime":812.934,"body":" "},{"speaker":"Speaker 2","startTime":812.954,"endTime":813.094,"body":"There's"},{"speaker":"Speaker 2","startTime":813.094,"endTime":813.094,"body":" "},{"speaker":"Speaker 2","startTime":813.114,"endTime":813.134,"body":"a"},{"speaker":"Speaker 2","startTime":813.134,"endTime":813.134,"body":" "},{"speaker":"Speaker 2","startTime":813.174,"endTime":813.295,"body":"lot"},{"speaker":"Speaker 2","startTime":813.295,"endTime":813.295,"body":" "},{"speaker":"Speaker 2","startTime":813.315,"endTime":813.355,"body":"of"},{"speaker":"Speaker 2","startTime":813.355,"endTime":813.355,"body":" "},{"speaker":"Speaker 2","startTime":813.415,"endTime":814.056,"body":"unsystematic"},{"speaker":"Speaker 2","startTime":814.056,"endTime":814.056,"body":" "},{"speaker":"Speaker 2","startTime":814.117,"endTime":814.317,"body":"risk"},{"speaker":"Speaker 2","startTime":814.317,"endTime":814.317,"body":" "},{"speaker":"Speaker 2","startTime":814.337,"endTime":814.598,"body":"there"},{"speaker":"Speaker 2","startTime":814.598,"endTime":814.598,"body":" "},{"speaker":"Speaker 2","startTime":814.858,"endTime":815.099,"body":"because"},{"speaker":"Speaker 2","startTime":815.099,"endTime":815.099,"body":" "},{"speaker":"Speaker 2","startTime":815.159,"endTime":815.219,"body":"of"},{"speaker":"Speaker 2","startTime":815.219,"endTime":815.219,"body":" "},{"speaker":"Speaker 2","startTime":815.259,"endTime":815.42,"body":"the"},{"speaker":"Speaker 2","startTime":815.42,"endTime":815.42,"body":" "},{"speaker":"Speaker 2","startTime":815.921,"endTime":816.262,"body":"individual"},{"speaker":"Speaker 2","startTime":816.262,"endTime":816.262,"body":" "},{"speaker":"Speaker 2","startTime":816.282,"endTime":816.582,"body":"company"},{"speaker":"Speaker 2","startTime":816.582,"endTime":816.582,"body":" "},{"speaker":"Speaker 2","startTime":816.623,"endTime":816.823,"body":"risk"},{"speaker":"Speaker 2","startTime":816.823,"endTime":816.823,"body":"."},{"speaker":"Speaker 2","startTime":816.823,"endTime":816.823,"body":" "},{"speaker":"Speaker 2","startTime":817.312,"endTime":817.412,"body":"So"},{"speaker":"Speaker 2","startTime":817.412,"endTime":817.412,"body":" "},{"speaker":"Speaker 2","startTime":817.452,"endTime":817.533,"body":"you"},{"speaker":"Speaker 2","startTime":817.533,"endTime":817.533,"body":" "},{"speaker":"Speaker 2","startTime":817.553,"endTime":817.653,"body":"could"},{"speaker":"Speaker 2","startTime":817.653,"endTime":817.653,"body":" "},{"speaker":"Speaker 2","startTime":817.733,"endTime":817.834,"body":"use"},{"speaker":"Speaker 2","startTime":817.834,"endTime":817.834,"body":" "},{"speaker":"Speaker 2","startTime":817.854,"endTime":817.914,"body":"the"},{"speaker":"Speaker 2","startTime":817.914,"endTime":817.914,"body":" "},{"speaker":"Speaker 2","startTime":817.954,"endTime":818.316,"body":"losses"},{"speaker":"Speaker 2","startTime":818.316,"endTime":818.316,"body":" "},{"speaker":"Speaker 2","startTime":818.376,"endTime":818.497,"body":"to"},{"speaker":"Speaker 2","startTime":818.497,"endTime":818.497,"body":" "},{"speaker":"Speaker 2","startTime":818.557,"endTime":818.758,"body":"help"},{"speaker":"Speaker 2","startTime":818.758,"endTime":818.758,"body":","},{"speaker":"Speaker 2","startTime":818.758,"endTime":818.758,"body":" "},{"speaker":"Speaker 2","startTime":819.673,"endTime":819.754,"body":"you"},{"speaker":"Speaker 2","startTime":819.754,"endTime":819.754,"body":" "},{"speaker":"Speaker 2","startTime":819.774,"endTime":819.874,"body":"know"},{"speaker":"Speaker 2","startTime":819.874,"endTime":819.874,"body":","},{"speaker":"Speaker 2","startTime":819.874,"endTime":819.874,"body":" "},{"speaker":"Speaker 2","startTime":819.895,"endTime":820.015,"body":"build"},{"speaker":"Speaker 2","startTime":820.015,"endTime":820.015,"body":" "},{"speaker":"Speaker 2","startTime":820.036,"endTime":820.116,"body":"out"},{"speaker":"Speaker 2","startTime":820.116,"endTime":820.116,"body":" "},{"speaker":"Speaker 2","startTime":820.136,"endTime":820.217,"body":"your"},{"speaker":"Speaker 2","startTime":820.217,"endTime":820.217,"body":" "},{"speaker":"Speaker 2","startTime":820.257,"endTime":820.841,"body":"allocation"},{"speaker":"Speaker 2","startTime":820.841,"endTime":820.841,"body":" "},{"speaker":"Speaker 2","startTime":821.002,"endTime":821.083,"body":"in"},{"speaker":"Speaker 2","startTime":821.083,"endTime":821.083,"body":" "},{"speaker":"Speaker 2","startTime":821.123,"endTime":821.164,"body":"a"},{"speaker":"Speaker 2","startTime":821.164,"endTime":821.164,"body":" "},{"speaker":"Speaker 2","startTime":821.204,"endTime":821.345,"body":"more"},{"speaker":"Speaker 2","startTime":821.345,"endTime":821.345,"body":" "},{"speaker":"Speaker 2","startTime":821.365,"endTime":821.909,"body":"diversified"},{"speaker":"Speaker 2","startTime":821.909,"endTime":821.909,"body":" "},{"speaker":"Speaker 2","startTime":821.949,"endTime":822.03,"body":"way"},{"speaker":"Speaker 2","startTime":822.03,"endTime":822.03,"body":"."},{"speaker":"Speaker 2","startTime":822.03,"endTime":822.03,"body":" "},{"speaker":"Speaker 2","startTime":822.03,"endTime":822.03,"body":"\n"},{"speaker":"Speaker 1","startTime":822.592,"endTime":822.692,"body":"So"},{"speaker":"Speaker 1","startTime":822.692,"endTime":822.692,"body":","},{"speaker":"Speaker 1","startTime":822.692,"endTime":822.692,"body":" "},{"speaker":"Speaker 1","startTime":822.732,"endTime":823.174,"body":"basically"},{"speaker":"Speaker 1","startTime":823.174,"endTime":823.174,"body":","},{"speaker":"Speaker 1","startTime":823.174,"endTime":823.174,"body":" "},{"speaker":"Speaker 1","startTime":823.435,"endTime":823.515,"body":"if"},{"speaker":"Speaker 1","startTime":823.515,"endTime":823.515,"body":","},{"speaker":"Speaker 1","startTime":823.515,"endTime":823.515,"body":" "},{"speaker":"Speaker 1","startTime":823.876,"endTime":823.957,"body":"if"},{"speaker":"Speaker 1","startTime":823.957,"endTime":823.957,"body":" "},{"speaker":"Speaker 1","startTime":824.097,"endTime":824.137,"body":"I"},{"speaker":"Speaker 1","startTime":824.137,"endTime":824.137,"body":" "},{"speaker":"Speaker 1","startTime":824.177,"endTime":824.298,"body":"was"},{"speaker":"Speaker 1","startTime":824.298,"endTime":824.298,"body":" "},{"speaker":"Speaker 1","startTime":824.358,"endTime":824.398,"body":"a"},{"speaker":"Speaker 1","startTime":824.398,"endTime":824.398,"body":" "},{"speaker":"Speaker 1","startTime":824.418,"endTime":824.559,"body":"Home"},{"speaker":"Speaker 1","startTime":824.559,"endTime":824.559,"body":" "},{"speaker":"Speaker 1","startTime":824.599,"endTime":824.9,"body":"Depot"},{"speaker":"Speaker 1","startTime":824.9,"endTime":824.9,"body":" "},{"speaker":"Speaker 1","startTime":824.94,"endTime":825.522,"body":"executive"},{"speaker":"Speaker 1","startTime":825.522,"endTime":825.522,"body":" "},{"speaker":"Speaker 1","startTime":825.783,"endTime":825.883,"body":"and"},{"speaker":"Speaker 1","startTime":825.883,"endTime":825.883,"body":" "},{"speaker":"Speaker 1","startTime":825.963,"endTime":826.024,"body":"I"},{"speaker":"Speaker 1","startTime":826.024,"endTime":826.024,"body":" "},{"speaker":"Speaker 1","startTime":826.104,"endTime":826.545,"body":"retired"},{"speaker":"Speaker 1","startTime":826.545,"endTime":826.545,"body":" "},{"speaker":"Speaker 1","startTime":826.586,"endTime":826.867,"body":"there"},{"speaker":"Speaker 1","startTime":826.867,"endTime":826.867,"body":" "},{"speaker":"Speaker 1","startTime":826.927,"endTime":827.027,"body":"and"},{"speaker":"Speaker 1","startTime":827.027,"endTime":827.027,"body":" "},{"speaker":"Speaker 1","startTime":827.047,"endTime":827.087,"body":"I"},{"speaker":"Speaker 1","startTime":827.087,"endTime":827.087,"body":" "},{"speaker":"Speaker 1","startTime":827.168,"endTime":827.429,"body":"had"},{"speaker":"Speaker 1","startTime":827.429,"endTime":827.429,"body":","},{"speaker":"Speaker 1","startTime":827.429,"endTime":827.429,"body":" "},{"speaker":"Speaker 1","startTime":827.689,"endTime":827.75,"body":"you"},{"speaker":"Speaker 1","startTime":827.75,"endTime":827.75,"body":" "},{"speaker":"Speaker 1","startTime":827.77,"endTime":827.85,"body":"know"},{"speaker":"Speaker 1","startTime":827.85,"endTime":827.85,"body":","},{"speaker":"Speaker 1","startTime":827.85,"endTime":827.85,"body":" "},{"speaker":"Speaker 1","startTime":828.331,"endTime":828.692,"body":"1.5"},{"speaker":"Speaker 1","startTime":828.692,"endTime":828.692,"body":" "},{"speaker":"Speaker 1","startTime":828.732,"endTime":828.973,"body":"million"},{"speaker":"Speaker 1","startTime":828.973,"endTime":828.973,"body":" "},{"speaker":"Speaker 1","startTime":828.993,"endTime":829.294,"body":"dollars"},{"speaker":"Speaker 1","startTime":829.294,"endTime":829.294,"body":" "},{"speaker":"Speaker 1","startTime":829.334,"endTime":829.374,"body":"of"},{"speaker":"Speaker 1","startTime":829.374,"endTime":829.374,"body":" "},{"speaker":"Speaker 1","startTime":829.414,"endTime":829.594,"body":"Home"},{"speaker":"Speaker 1","startTime":829.594,"endTime":829.594,"body":" "},{"speaker":"Speaker 1","startTime":829.635,"endTime":829.955,"body":"Depot"},{"speaker":"Speaker 1","startTime":829.955,"endTime":829.955,"body":" "},{"speaker":"Speaker 1","startTime":829.995,"endTime":830.336,"body":"stock"},{"speaker":"Speaker 1","startTime":830.336,"endTime":830.336,"body":" "},{"speaker":"Speaker 1","startTime":830.978,"endTime":831.078,"body":"and"},{"speaker":"Speaker 1","startTime":831.078,"endTime":831.078,"body":" "},{"speaker":"Speaker 1","startTime":831.118,"endTime":831.158,"body":"a"},{"speaker":"Speaker 1","startTime":831.158,"endTime":831.158,"body":" "},{"speaker":"Speaker 1","startTime":831.339,"endTime":831.519,"body":"two"},{"speaker":"Speaker 1","startTime":831.519,"endTime":831.519,"body":" "},{"speaker":"Speaker 1","startTime":831.58,"endTime":831.84,"body":"million"},{"speaker":"Speaker 1","startTime":831.84,"endTime":831.84,"body":" "},{"speaker":"Speaker 1","startTime":831.86,"endTime":832.121,"body":"dollar"},{"speaker":"Speaker 1","startTime":832.121,"endTime":832.121,"body":" "},{"speaker":"Speaker 1","startTime":832.161,"endTime":832.722,"body":"portfolio"},{"speaker":"Speaker 1","startTime":832.722,"endTime":832.722,"body":","},{"speaker":"Speaker 1","startTime":832.722,"endTime":832.722,"body":" "},{"speaker":"Speaker 1","startTime":834.112,"endTime":834.334,"body":"then"},{"speaker":"Speaker 1","startTime":834.334,"endTime":834.334,"body":" "},{"speaker":"Speaker 1","startTime":834.575,"endTime":834.676,"body":"we"},{"speaker":"Speaker 1","startTime":834.676,"endTime":834.676,"body":" "},{"speaker":"Speaker 1","startTime":834.736,"endTime":834.997,"body":"can't"},{"speaker":"Speaker 1","startTime":834.997,"endTime":834.997,"body":","},{"speaker":"Speaker 1","startTime":834.997,"endTime":834.997,"body":" "},{"speaker":"Speaker 1","startTime":835.48,"endTime":835.54,"body":"you"},{"speaker":"Speaker 1","startTime":835.54,"endTime":835.54,"body":" "},{"speaker":"Speaker 1","startTime":835.581,"endTime":835.681,"body":"know"},{"speaker":"Speaker 1","startTime":835.681,"endTime":835.681,"body":","},{"speaker":"Speaker 1","startTime":835.681,"endTime":835.681,"body":" "},{"speaker":"Speaker 1","startTime":835.782,"endTime":835.862,"body":"we"},{"speaker":"Speaker 1","startTime":835.862,"endTime":835.862,"body":" "},{"speaker":"Speaker 1","startTime":835.882,"endTime":835.983,"body":"don't"},{"speaker":"Speaker 1","startTime":835.983,"endTime":835.983,"body":" "},{"speaker":"Speaker 1","startTime":836.003,"endTime":836.104,"body":"want"},{"speaker":"Speaker 1","startTime":836.104,"endTime":836.104,"body":" "},{"speaker":"Speaker 1","startTime":836.124,"endTime":836.164,"body":"to"},{"speaker":"Speaker 1","startTime":836.164,"endTime":836.164,"body":" "},{"speaker":"Speaker 1","startTime":836.204,"endTime":836.325,"body":"buy"},{"speaker":"Speaker 1","startTime":836.325,"endTime":836.325,"body":" "},{"speaker":"Speaker 1","startTime":836.345,"endTime":836.425,"body":"any"},{"speaker":"Speaker 1","startTime":836.425,"endTime":836.425,"body":" "},{"speaker":"Speaker 1","startTime":836.466,"endTime":836.546,"body":"more"},{"speaker":"Speaker 1","startTime":836.546,"endTime":836.546,"body":" "},{"speaker":"Speaker 1","startTime":836.586,"endTime":836.727,"body":"Home"},{"speaker":"Speaker 1","startTime":836.727,"endTime":836.727,"body":" "},{"speaker":"Speaker 1","startTime":836.747,"endTime":837.069,"body":"Depot"},{"speaker":"Speaker 1","startTime":837.069,"endTime":837.069,"body":","},{"speaker":"Speaker 1","startTime":837.069,"endTime":837.069,"body":" "},{"speaker":"Speaker 1","startTime":837.149,"endTime":837.25,"body":"right"},{"speaker":"Speaker 1","startTime":837.25,"endTime":837.25,"body":"?"},{"speaker":"Speaker 1","startTime":837.25,"endTime":837.25,"body":" "},{"speaker":"Speaker 1","startTime":837.591,"endTime":837.631,"body":"So"},{"speaker":"Speaker 1","startTime":837.631,"endTime":837.631,"body":" "},{"speaker":"Speaker 1","startTime":837.791,"endTime":837.871,"body":"if"},{"speaker":"Speaker 1","startTime":837.871,"endTime":837.871,"body":" "},{"speaker":"Speaker 1","startTime":837.891,"endTime":838.132,"body":"you"},{"speaker":"Speaker 1","startTime":838.132,"endTime":838.132,"body":" "},{"speaker":"Speaker 1","startTime":838.232,"endTime":838.412,"body":"try"},{"speaker":"Speaker 1","startTime":838.412,"endTime":838.412,"body":" "},{"speaker":"Speaker 1","startTime":838.433,"endTime":838.513,"body":"to"},{"speaker":"Speaker 1","startTime":838.513,"endTime":838.513,"body":" "},{"speaker":"Speaker 1","startTime":838.553,"endTime":839.094,"body":"diversify"},{"speaker":"Speaker 1","startTime":839.094,"endTime":839.094,"body":" "},{"speaker":"Speaker 1","startTime":839.154,"endTime":839.254,"body":"by"},{"speaker":"Speaker 1","startTime":839.254,"endTime":839.254,"body":" "},{"speaker":"Speaker 1","startTime":839.314,"endTime":839.735,"body":"buying"},{"speaker":"Speaker 1","startTime":839.735,"endTime":839.735,"body":" "},{"speaker":"Speaker 1","startTime":840.677,"endTime":840.738,"body":"an"},{"speaker":"Speaker 1","startTime":840.738,"endTime":840.738,"body":" "},{"speaker":"Speaker 1","startTime":840.818,"endTime":841.299,"body":"ETF"},{"speaker":"Speaker 1","startTime":841.299,"endTime":841.299,"body":","},{"speaker":"Speaker 1","startTime":841.299,"endTime":841.299,"body":" "},{"speaker":"Speaker 1","startTime":841.82,"endTime":841.94,"body":"you're"},{"speaker":"Speaker 1","startTime":841.94,"endTime":841.94,"body":" "},{"speaker":"Speaker 1","startTime":841.96,"endTime":842.101,"body":"just"},{"speaker":"Speaker 1","startTime":842.101,"endTime":842.101,"body":" "},{"speaker":"Speaker 1","startTime":842.161,"endTime":842.361,"body":"probably"},{"speaker":"Speaker 1","startTime":842.361,"endTime":842.361,"body":" "},{"speaker":"Speaker 1","startTime":842.381,"endTime":842.522,"body":"gonna"},{"speaker":"Speaker 1","startTime":842.522,"endTime":842.522,"body":" "},{"speaker":"Speaker 1","startTime":842.542,"endTime":842.682,"body":"have"},{"speaker":"Speaker 1","startTime":842.682,"endTime":842.682,"body":" "},{"speaker":"Speaker 1","startTime":842.722,"endTime":842.842,"body":"Home"},{"speaker":"Speaker 1","startTime":842.842,"endTime":842.842,"body":" "},{"speaker":"Speaker 1","startTime":842.862,"endTime":843.163,"body":"Depot"},{"speaker":"Speaker 1","startTime":843.163,"endTime":843.163,"body":" "},{"speaker":"Speaker 1","startTime":843.243,"endTime":843.323,"body":"in"},{"speaker":"Speaker 1","startTime":843.323,"endTime":843.323,"body":" "},{"speaker":"Speaker 1","startTime":843.403,"endTime":843.464,"body":"it"},{"speaker":"Speaker 1","startTime":843.464,"endTime":843.464,"body":"."},{"speaker":"Speaker 1","startTime":843.464,"endTime":843.464,"body":" "},{"speaker":"Speaker 1","startTime":845.372,"endTime":845.452,"body":"So"},{"speaker":"Speaker 1","startTime":845.452,"endTime":845.452,"body":" "},{"speaker":"Speaker 1","startTime":845.472,"endTime":845.592,"body":"you're"},{"speaker":"Speaker 1","startTime":845.592,"endTime":845.592,"body":" "},{"speaker":"Speaker 1","startTime":845.613,"endTime":845.713,"body":"just"},{"speaker":"Speaker 1","startTime":845.713,"endTime":845.713,"body":" "},{"speaker":"Speaker 1","startTime":845.733,"endTime":845.914,"body":"buying"},{"speaker":"Speaker 1","startTime":845.914,"endTime":845.914,"body":" "},{"speaker":"Speaker 1","startTime":845.954,"endTime":846.114,"body":"more"},{"speaker":"Speaker 1","startTime":846.114,"endTime":846.114,"body":" "},{"speaker":"Speaker 1","startTime":846.135,"endTime":846.275,"body":"Home"},{"speaker":"Speaker 1","startTime":846.275,"endTime":846.275,"body":" "},{"speaker":"Speaker 1","startTime":846.315,"endTime":846.637,"body":"Depot"},{"speaker":"Speaker 1","startTime":846.637,"endTime":846.637,"body":" "},{"speaker":"Speaker 1","startTime":846.677,"endTime":847.018,"body":"inside"},{"speaker":"Speaker 1","startTime":847.018,"endTime":847.018,"body":" "},{"speaker":"Speaker 1","startTime":847.038,"endTime":847.118,"body":"the"},{"speaker":"Speaker 1","startTime":847.118,"endTime":847.118,"body":" "},{"speaker":"Speaker 1","startTime":847.179,"endTime":847.58,"body":"ETF"},{"speaker":"Speaker 1","startTime":847.58,"endTime":847.58,"body":"."},{"speaker":"Speaker 1","startTime":847.58,"endTime":847.58,"body":" "},{"speaker":"Speaker 1","startTime":847.62,"endTime":847.721,"body":"So"},{"speaker":"Speaker 1","startTime":847.721,"endTime":847.721,"body":" "},{"speaker":"Speaker 1","startTime":847.942,"endTime":848.082,"body":"with"},{"speaker":"Speaker 1","startTime":848.082,"endTime":848.082,"body":" "},{"speaker":"Speaker 1","startTime":848.102,"endTime":848.363,"body":"direct"},{"speaker":"Speaker 1","startTime":848.363,"endTime":848.363,"body":" "},{"speaker":"Speaker 1","startTime":848.423,"endTime":848.865,"body":"indexing"},{"speaker":"Speaker 1","startTime":848.865,"endTime":848.865,"body":" "},{"speaker":"Speaker 1","startTime":848.925,"endTime":849.046,"body":"we"},{"speaker":"Speaker 1","startTime":849.046,"endTime":849.046,"body":" "},{"speaker":"Speaker 1","startTime":849.086,"endTime":849.207,"body":"can"},{"speaker":"Speaker 1","startTime":849.207,"endTime":849.207,"body":" "},{"speaker":"Speaker 1","startTime":849.247,"endTime":849.488,"body":"take"},{"speaker":"Speaker 1","startTime":849.488,"endTime":849.488,"body":" "},{"speaker":"Speaker 1","startTime":849.648,"endTime":849.809,"body":"Home"},{"speaker":"Speaker 1","startTime":849.809,"endTime":849.809,"body":" "},{"speaker":"Speaker 1","startTime":849.849,"endTime":850.07,"body":"Depot"},{"speaker":"Speaker 1","startTime":850.07,"endTime":850.07,"body":"."},{"speaker":"Speaker 1","startTime":850.07,"endTime":850.07,"body":" "},{"speaker":"Speaker 1","startTime":850.07,"endTime":850.07,"body":"\n"},{"speaker":"Speaker 1","startTime":850.731,"endTime":850.812,"body":"We"},{"speaker":"Speaker 1","startTime":850.812,"endTime":850.812,"body":" "},{"speaker":"Speaker 1","startTime":850.852,"endTime":850.972,"body":"can"},{"speaker":"Speaker 1","startTime":850.972,"endTime":850.972,"body":" "},{"speaker":"Speaker 1","startTime":851.012,"endTime":851.293,"body":"say"},{"speaker":"Speaker 1","startTime":851.293,"endTime":851.293,"body":","},{"speaker":"Speaker 1","startTime":851.293,"endTime":851.293,"body":" "},{"speaker":"Speaker 1","startTime":851.453,"endTime":851.694,"body":"well"},{"speaker":"Speaker 1","startTime":851.694,"endTime":851.694,"body":","},{"speaker":"Speaker 1","startTime":851.694,"endTime":851.694,"body":" "},{"speaker":"Speaker 1","startTime":851.894,"endTime":851.974,"body":"we"},{"speaker":"Speaker 1","startTime":851.974,"endTime":851.974,"body":" "},{"speaker":"Speaker 1","startTime":852.014,"endTime":852.195,"body":"can't"},{"speaker":"Speaker 1","startTime":852.195,"endTime":852.195,"body":" "},{"speaker":"Speaker 1","startTime":852.235,"endTime":852.375,"body":"move"},{"speaker":"Speaker 1","startTime":852.375,"endTime":852.375,"body":" "},{"speaker":"Speaker 1","startTime":852.415,"endTime":852.475,"body":"it"},{"speaker":"Speaker 1","startTime":852.475,"endTime":852.475,"body":" "},{"speaker":"Speaker 1","startTime":852.636,"endTime":852.776,"body":"all"},{"speaker":"Speaker 1","startTime":852.776,"endTime":852.776,"body":" "},{"speaker":"Speaker 1","startTime":852.856,"endTime":853.257,"body":"into"},{"speaker":"Speaker 1","startTime":853.257,"endTime":853.257,"body":" "},{"speaker":"Speaker 1","startTime":853.477,"endTime":853.578,"body":"the"},{"speaker":"Speaker 1","startTime":853.578,"endTime":853.578,"body":" "},{"speaker":"Speaker 1","startTime":853.618,"endTime":853.858,"body":"separate"},{"speaker":"Speaker 1","startTime":853.858,"endTime":853.858,"body":" "},{"speaker":"Speaker 1","startTime":853.898,"endTime":854.159,"body":"managed"},{"speaker":"Speaker 1","startTime":854.159,"endTime":854.159,"body":" "},{"speaker":"Speaker 1","startTime":854.199,"endTime":854.56,"body":"account"},{"speaker":"Speaker 1","startTime":854.56,"endTime":854.56,"body":" "},{"speaker":"Speaker 1","startTime":854.64,"endTime":854.78,"body":"that"},{"speaker":"Speaker 1","startTime":854.78,"endTime":854.78,"body":" "},{"speaker":"Speaker 1","startTime":854.841,"endTime":855.021,"body":"does"},{"speaker":"Speaker 1","startTime":855.021,"endTime":855.021,"body":" "},{"speaker":"Speaker 1","startTime":855.041,"endTime":855.121,"body":"the"},{"speaker":"Speaker 1","startTime":855.121,"endTime":855.121,"body":" "},{"speaker":"Speaker 1","startTime":855.161,"endTime":855.382,"body":"tax"},{"speaker":"Speaker 1","startTime":855.382,"endTime":855.382,"body":" "},{"speaker":"Speaker 1","startTime":855.402,"endTime":855.582,"body":"loss"},{"speaker":"Speaker 1","startTime":855.582,"endTime":855.582,"body":" "},{"speaker":"Speaker 1","startTime":855.602,"endTime":856.143,"body":"harvesting"},{"speaker":"Speaker 1","startTime":856.143,"endTime":856.143,"body":","},{"speaker":"Speaker 1","startTime":856.143,"endTime":856.143,"body":" "},{"speaker":"Speaker 1","startTime":856.65,"endTime":856.971,"body":"because"},{"speaker":"Speaker 1","startTime":856.971,"endTime":856.971,"body":" "},{"speaker":"Speaker 1","startTime":857.452,"endTime":857.593,"body":"it'd"},{"speaker":"Speaker 1","startTime":857.593,"endTime":857.593,"body":" "},{"speaker":"Speaker 1","startTime":857.613,"endTime":857.753,"body":"just"},{"speaker":"Speaker 1","startTime":857.753,"endTime":857.753,"body":" "},{"speaker":"Speaker 1","startTime":857.793,"endTime":857.933,"body":"be"},{"speaker":"Speaker 1","startTime":857.933,"endTime":857.933,"body":" "},{"speaker":"Speaker 1","startTime":857.993,"endTime":858.134,"body":"all"},{"speaker":"Speaker 1","startTime":858.134,"endTime":858.134,"body":" "},{"speaker":"Speaker 1","startTime":858.174,"endTime":858.294,"body":"Home"},{"speaker":"Speaker 1","startTime":858.294,"endTime":858.294,"body":" "},{"speaker":"Speaker 1","startTime":858.334,"endTime":858.615,"body":"Depot"},{"speaker":"Speaker 1","startTime":858.615,"endTime":858.615,"body":" "},{"speaker":"Speaker 1","startTime":858.635,"endTime":858.715,"body":"and"},{"speaker":"Speaker 1","startTime":858.715,"endTime":858.715,"body":" "},{"speaker":"Speaker 1","startTime":858.735,"endTime":858.755,"body":"a"},{"speaker":"Speaker 1","startTime":858.755,"endTime":858.755,"body":" "},{"speaker":"Speaker 1","startTime":858.815,"endTime":858.996,"body":"few"},{"speaker":"Speaker 1","startTime":858.996,"endTime":858.996,"body":" "},{"speaker":"Speaker 1","startTime":859.016,"endTime":859.076,"body":"of"},{"speaker":"Speaker 1","startTime":859.076,"endTime":859.076,"body":" "},{"speaker":"Speaker 1","startTime":859.116,"endTime":859.256,"body":"these"},{"speaker":"Speaker 1","startTime":859.256,"endTime":859.256,"body":" "},{"speaker":"Speaker 1","startTime":859.296,"endTime":859.457,"body":"other"},{"speaker":"Speaker 1","startTime":859.457,"endTime":859.457,"body":" "},{"speaker":"Speaker 1","startTime":859.497,"endTime":859.818,"body":"stocks"},{"speaker":"Speaker 1","startTime":859.818,"endTime":859.818,"body":"."},{"speaker":"Speaker 1","startTime":859.818,"endTime":859.818,"body":" "},{"speaker":"Speaker 1","startTime":859.878,"endTime":859.998,"body":"But"},{"speaker":"Speaker 1","startTime":859.998,"endTime":859.998,"body":" "},{"speaker":"Speaker 1","startTime":860.299,"endTime":860.539,"body":"maybe"},{"speaker":"Speaker 1","startTime":860.539,"endTime":860.539,"body":" "},{"speaker":"Speaker 1","startTime":860.579,"endTime":860.7,"body":"they"},{"speaker":"Speaker 1","startTime":860.7,"endTime":860.7,"body":" "},{"speaker":"Speaker 1","startTime":860.74,"endTime":860.86,"body":"can"},{"speaker":"Speaker 1","startTime":860.86,"endTime":860.86,"body":" "},{"speaker":"Speaker 1","startTime":860.92,"endTime":861.241,"body":"take"},{"speaker":"Speaker 1","startTime":861.241,"endTime":861.241,"body":" "},{"speaker":"Speaker 1","startTime":861.321,"endTime":861.541,"body":"what"},{"speaker":"Speaker 1","startTime":861.541,"endTime":861.541,"body":" "},{"speaker":"Speaker 1","startTime":862.183,"endTime":862.283,"body":"you"},{"speaker":"Speaker 1","startTime":862.283,"endTime":862.283,"body":" "},{"speaker":"Speaker 1","startTime":862.303,"endTime":862.443,"body":"know"},{"speaker":"Speaker 1","startTime":862.443,"endTime":862.443,"body":"."},{"speaker":"Speaker 1","startTime":862.443,"endTime":862.443,"body":" "},{"speaker":"Speaker 1","startTime":863.116,"endTime":863.237,"body":"We"},{"speaker":"Speaker 1","startTime":863.237,"endTime":863.237,"body":" "},{"speaker":"Speaker 1","startTime":863.257,"endTime":863.399,"body":"can"},{"speaker":"Speaker 1","startTime":863.399,"endTime":863.399,"body":" "},{"speaker":"Speaker 1","startTime":863.419,"endTime":863.601,"body":"sell"},{"speaker":"Speaker 1","startTime":863.601,"endTime":863.601,"body":" "},{"speaker":"Speaker 1","startTime":863.641,"endTime":863.763,"body":"off"},{"speaker":"Speaker 1","startTime":863.763,"endTime":863.763,"body":" "},{"speaker":"Speaker 1","startTime":863.803,"endTime":863.823,"body":"a"},{"speaker":"Speaker 1","startTime":863.823,"endTime":863.823,"body":" "},{"speaker":"Speaker 1","startTime":863.864,"endTime":864.268,"body":"portion"},{"speaker":"Speaker 1","startTime":864.268,"endTime":864.268,"body":","},{"speaker":"Speaker 1","startTime":864.268,"endTime":864.268,"body":" "},{"speaker":"Speaker 1","startTime":864.389,"endTime":864.49,"body":"right"},{"speaker":"Speaker 1","startTime":864.49,"endTime":864.49,"body":","},{"speaker":"Speaker 1","startTime":864.49,"endTime":864.49,"body":" "},{"speaker":"Speaker 1","startTime":864.59,"endTime":864.711,"body":"we're"},{"speaker":"Speaker 1","startTime":864.711,"endTime":864.711,"body":" "},{"speaker":"Speaker 1","startTime":864.731,"endTime":864.871,"body":"gonna"},{"speaker":"Speaker 1","startTime":864.871,"endTime":864.871,"body":" "},{"speaker":"Speaker 1","startTime":864.891,"endTime":865.072,"body":"pick"},{"speaker":"Speaker 1","startTime":865.072,"endTime":865.072,"body":" "},{"speaker":"Speaker 1","startTime":865.292,"endTime":865.453,"body":"some"},{"speaker":"Speaker 1","startTime":865.453,"endTime":865.453,"body":" "},{"speaker":"Speaker 1","startTime":865.473,"endTime":865.794,"body":"capital"},{"speaker":"Speaker 1","startTime":865.794,"endTime":865.794,"body":" "},{"speaker":"Speaker 1","startTime":865.814,"endTime":866.175,"body":"gains"},{"speaker":"Speaker 1","startTime":866.175,"endTime":866.175,"body":" "},{"speaker":"Speaker 1","startTime":866.496,"endTime":866.657,"body":"that"},{"speaker":"Speaker 1","startTime":866.657,"endTime":866.657,"body":" "},{"speaker":"Speaker 1","startTime":866.717,"endTime":867.058,"body":"generate"},{"speaker":"Speaker 1","startTime":867.058,"endTime":867.058,"body":" "},{"speaker":"Speaker 1","startTime":867.078,"endTime":867.178,"body":"some"},{"speaker":"Speaker 1","startTime":867.178,"endTime":867.178,"body":" "},{"speaker":"Speaker 1","startTime":867.239,"endTime":867.68,"body":"cash"},{"speaker":"Speaker 1","startTime":867.68,"endTime":867.68,"body":" "},{"speaker":"Speaker 1","startTime":868.282,"endTime":868.342,"body":"and"},{"speaker":"Speaker 1","startTime":868.342,"endTime":868.342,"body":" "},{"speaker":"Speaker 1","startTime":868.382,"endTime":868.502,"body":"then"},{"speaker":"Speaker 1","startTime":868.502,"endTime":868.502,"body":" "},{"speaker":"Speaker 1","startTime":868.543,"endTime":868.763,"body":"maybe"},{"speaker":"Speaker 1","startTime":868.763,"endTime":868.763,"body":" "},{"speaker":"Speaker 1","startTime":868.803,"endTime":868.904,"body":"we"},{"speaker":"Speaker 1","startTime":868.904,"endTime":868.904,"body":" "},{"speaker":"Speaker 1","startTime":868.924,"endTime":869.064,"body":"can"},{"speaker":"Speaker 1","startTime":869.064,"endTime":869.064,"body":" "},{"speaker":"Speaker 1","startTime":869.124,"endTime":869.385,"body":"take"},{"speaker":"Speaker 1","startTime":869.385,"endTime":869.385,"body":" "},{"speaker":"Speaker 1","startTime":869.506,"endTime":870.168,"body":"25%"},{"speaker":"Speaker 1","startTime":870.168,"endTime":870.168,"body":" "},{"speaker":"Speaker 1","startTime":870.188,"endTime":870.228,"body":"of"},{"speaker":"Speaker 1","startTime":870.228,"endTime":870.228,"body":" "},{"speaker":"Speaker 1","startTime":870.268,"endTime":870.408,"body":"Home"},{"speaker":"Speaker 1","startTime":870.408,"endTime":870.408,"body":" "},{"speaker":"Speaker 1","startTime":870.428,"endTime":870.79,"body":"Depot"},{"speaker":"Speaker 1","startTime":870.79,"endTime":870.79,"body":" "},{"speaker":"Speaker 1","startTime":870.81,"endTime":870.87,"body":"and"},{"speaker":"Speaker 1","startTime":870.87,"endTime":870.87,"body":" "},{"speaker":"Speaker 1","startTime":871.612,"endTime":871.773,"body":"Move"},{"speaker":"Speaker 1","startTime":871.773,"endTime":871.773,"body":" "},{"speaker":"Speaker 1","startTime":871.813,"endTime":871.874,"body":"it"},{"speaker":"Speaker 1","startTime":871.874,"endTime":871.874,"body":" "},{"speaker":"Speaker 1","startTime":871.914,"endTime":872.014,"body":"into"},{"speaker":"Speaker 1","startTime":872.014,"endTime":872.014,"body":" "},{"speaker":"Speaker 1","startTime":872.035,"endTime":872.276,"body":"the"},{"speaker":"Speaker 1","startTime":872.276,"endTime":872.276,"body":" "},{"speaker":"Speaker 1","startTime":872.336,"endTime":872.739,"body":"index"},{"speaker":"Speaker 1","startTime":872.739,"endTime":872.739,"body":" "},{"speaker":"Speaker 1","startTime":873.483,"endTime":873.563,"body":"and"},{"speaker":"Speaker 1","startTime":873.563,"endTime":873.563,"body":" "},{"speaker":"Speaker 1","startTime":873.583,"endTime":873.724,"body":"then"},{"speaker":"Speaker 1","startTime":873.724,"endTime":873.724,"body":" "},{"speaker":"Speaker 1","startTime":873.825,"endTime":873.905,"body":"as"},{"speaker":"Speaker 1","startTime":873.905,"endTime":873.905,"body":" "},{"speaker":"Speaker 1","startTime":873.945,"endTime":874.066,"body":"we"},{"speaker":"Speaker 1","startTime":874.066,"endTime":874.066,"body":" "},{"speaker":"Speaker 1","startTime":874.167,"endTime":874.448,"body":"work"},{"speaker":"Speaker 1","startTime":874.448,"endTime":874.448,"body":" "},{"speaker":"Speaker 1","startTime":874.489,"endTime":874.73,"body":"through"},{"speaker":"Speaker 1","startTime":874.73,"endTime":874.73,"body":","},{"speaker":"Speaker 1","startTime":874.73,"endTime":874.73,"body":" "},{"speaker":"Speaker 1","startTime":875.531,"endTime":875.631,"body":"you"},{"speaker":"Speaker 1","startTime":875.631,"endTime":875.631,"body":" "},{"speaker":"Speaker 1","startTime":875.671,"endTime":875.812,"body":"know"},{"speaker":"Speaker 1","startTime":875.812,"endTime":875.812,"body":","},{"speaker":"Speaker 1","startTime":875.812,"endTime":875.812,"body":" "},{"speaker":"Speaker 1","startTime":875.912,"endTime":876.112,"body":"because"},{"speaker":"Speaker 1","startTime":876.112,"endTime":876.112,"body":" "},{"speaker":"Speaker 1","startTime":876.152,"endTime":876.753,"body":"25%"},{"speaker":"Speaker 1","startTime":876.753,"endTime":876.753,"body":" "},{"speaker":"Speaker 1","startTime":876.793,"endTime":876.833,"body":"of"},{"speaker":"Speaker 1","startTime":876.833,"endTime":876.833,"body":" "},{"speaker":"Speaker 1","startTime":876.873,"endTime":876.994,"body":"Home"},{"speaker":"Speaker 1","startTime":876.994,"endTime":876.994,"body":" "},{"speaker":"Speaker 1","startTime":877.034,"endTime":877.434,"body":"Depot"},{"speaker":"Speaker 1","startTime":877.434,"endTime":877.434,"body":" "},{"speaker":"Speaker 1","startTime":877.915,"endTime":878.015,"body":"is"},{"speaker":"Speaker 1","startTime":878.015,"endTime":878.015,"body":" "},{"speaker":"Speaker 1","startTime":878.035,"endTime":878.196,"body":"not"},{"speaker":"Speaker 1","startTime":878.196,"endTime":878.196,"body":","},{"speaker":"Speaker 1","startTime":878.196,"endTime":878.196,"body":" "},{"speaker":"Speaker 1","startTime":878.336,"endTime":878.456,"body":"it's"},{"speaker":"Speaker 1","startTime":878.456,"endTime":878.456,"body":" "},{"speaker":"Speaker 1","startTime":878.516,"endTime":878.716,"body":"not"},{"speaker":"Speaker 1","startTime":878.716,"endTime":878.716,"body":" "},{"speaker":"Speaker 1","startTime":878.796,"endTime":879.438,"body":"25%"},{"speaker":"Speaker 1","startTime":879.438,"endTime":879.438,"body":","},{"speaker":"Speaker 1","startTime":879.438,"endTime":879.438,"body":" "},{"speaker":"Speaker 1","startTime":880.219,"endTime":880.319,"body":"it's"},{"speaker":"Speaker 1","startTime":880.319,"endTime":880.319,"body":" "},{"speaker":"Speaker 1","startTime":880.359,"endTime":880.519,"body":"not"},{"speaker":"Speaker 1","startTime":880.519,"endTime":880.519,"body":" "},{"speaker":"Speaker 1","startTime":880.92,"endTime":881.461,"body":"25%"},{"speaker":"Speaker 1","startTime":881.461,"endTime":881.461,"body":" "},{"speaker":"Speaker 1","startTime":881.481,"endTime":881.541,"body":"of"},{"speaker":"Speaker 1","startTime":881.541,"endTime":881.541,"body":" "},{"speaker":"Speaker 1","startTime":881.561,"endTime":881.621,"body":"the"},{"speaker":"Speaker 1","startTime":881.621,"endTime":881.621,"body":" "},{"speaker":"Speaker 1","startTime":881.741,"endTime":882.002,"body":"S\u0026P"},{"speaker":"Speaker 1","startTime":882.002,"endTime":882.002,"body":" "},{"speaker":"Speaker 1","startTime":882.042,"endTime":882.502,"body":"500"},{"speaker":"Speaker 1","startTime":882.502,"endTime":882.502,"body":" "},{"speaker":"Speaker 1","startTime":882.543,"endTime":882.623,"body":"is"},{"speaker":"Speaker 1","startTime":882.623,"endTime":882.623,"body":" "},{"speaker":"Speaker 1","startTime":882.663,"endTime":882.983,"body":"probably"},{"speaker":"Speaker 1","startTime":882.983,"endTime":882.983,"body":" "},{"speaker":"Speaker 1","startTime":883.304,"endTime":883.464,"body":"less"},{"speaker":"Speaker 1","startTime":883.464,"endTime":883.464,"body":" "},{"speaker":"Speaker 1","startTime":883.484,"endTime":883.584,"body":"than"},{"speaker":"Speaker 1","startTime":883.584,"endTime":883.584,"body":" "},{"speaker":"Speaker 1","startTime":883.724,"endTime":884.225,"body":"1%"},{"speaker":"Speaker 1","startTime":884.225,"endTime":884.225,"body":"."},{"speaker":"Speaker 1","startTime":884.225,"endTime":884.225,"body":" "},{"speaker":"Speaker 1","startTime":884.851,"endTime":885.012,"body":"So"},{"speaker":"Speaker 1","startTime":885.012,"endTime":885.012,"body":" "},{"speaker":"Speaker 1","startTime":885.032,"endTime":885.553,"body":"you"},{"speaker":"Speaker 1","startTime":885.553,"endTime":885.553,"body":" "},{"speaker":"Speaker 1","startTime":885.774,"endTime":885.894,"body":"know"},{"speaker":"Speaker 1","startTime":885.894,"endTime":885.894,"body":","},{"speaker":"Speaker 1","startTime":885.894,"endTime":885.894,"body":" "},{"speaker":"Speaker 1","startTime":885.934,"endTime":886.014,"body":"but"},{"speaker":"Speaker 1","startTime":886.014,"endTime":886.014,"body":" "},{"speaker":"Speaker 1","startTime":886.055,"endTime":886.215,"body":"you're"},{"speaker":"Speaker 1","startTime":886.215,"endTime":886.215,"body":" "},{"speaker":"Speaker 1","startTime":886.235,"endTime":886.757,"body":"substituting"},{"speaker":"Speaker 1","startTime":886.757,"endTime":886.757,"body":" "},{"speaker":"Speaker 1","startTime":886.777,"endTime":886.817,"body":"it"},{"speaker":"Speaker 1","startTime":886.817,"endTime":886.817,"body":","},{"speaker":"Speaker 1","startTime":886.817,"endTime":886.817,"body":" "},{"speaker":"Speaker 1","startTime":886.857,"endTime":886.997,"body":"you're"},{"speaker":"Speaker 1","startTime":886.997,"endTime":886.997,"body":" "},{"speaker":"Speaker 1","startTime":887.017,"endTime":887.118,"body":"not"},{"speaker":"Speaker 1","startTime":887.118,"endTime":887.118,"body":" "},{"speaker":"Speaker 1","startTime":887.158,"endTime":887.398,"body":"buying"},{"speaker":"Speaker 1","startTime":887.398,"endTime":887.398,"body":" "},{"speaker":"Speaker 1","startTime":887.439,"endTime":887.559,"body":"any"},{"speaker":"Speaker 1","startTime":887.559,"endTime":887.559,"body":" "},{"speaker":"Speaker 1","startTime":887.639,"endTime":887.9,"body":"more"},{"speaker":"Speaker 1","startTime":887.9,"endTime":887.9,"body":","},{"speaker":"Speaker 1","startTime":887.9,"endTime":887.9,"body":" "},{"speaker":"Speaker 1","startTime":888.201,"endTime":888.341,"body":"right"},{"speaker":"Speaker 1","startTime":888.341,"endTime":888.341,"body":"?"},{"speaker":"Speaker 1","startTime":888.341,"endTime":888.341,"body":" "},{"speaker":"Speaker 1","startTime":888.771,"endTime":888.831,"body":"And"},{"speaker":"Speaker 1","startTime":888.831,"endTime":888.831,"body":" "},{"speaker":"Speaker 1","startTime":888.891,"endTime":889.052,"body":"over"},{"speaker":"Speaker 1","startTime":889.052,"endTime":889.052,"body":" "},{"speaker":"Speaker 1","startTime":889.112,"endTime":889.513,"body":"time"},{"speaker":"Speaker 1","startTime":889.513,"endTime":889.513,"body":" "},{"speaker":"Speaker 1","startTime":889.914,"endTime":889.994,"body":"you"},{"speaker":"Speaker 1","startTime":889.994,"endTime":889.994,"body":" "},{"speaker":"Speaker 1","startTime":890.034,"endTime":890.134,"body":"can"},{"speaker":"Speaker 1","startTime":890.134,"endTime":890.134,"body":" "},{"speaker":"Speaker 1","startTime":890.174,"endTime":890.275,"body":"use"},{"speaker":"Speaker 1","startTime":890.275,"endTime":890.275,"body":" "},{"speaker":"Speaker 1","startTime":890.295,"endTime":890.455,"body":"those"},{"speaker":"Speaker 1","startTime":890.455,"endTime":890.455,"body":" "},{"speaker":"Speaker 1","startTime":890.575,"endTime":890.736,"body":"that"},{"speaker":"Speaker 1","startTime":890.736,"endTime":890.736,"body":" "},{"speaker":"Speaker 1","startTime":890.776,"endTime":891.016,"body":"tax"},{"speaker":"Speaker 1","startTime":891.016,"endTime":891.016,"body":" "},{"speaker":"Speaker 1","startTime":891.036,"endTime":891.237,"body":"loss"},{"speaker":"Speaker 1","startTime":891.237,"endTime":891.237,"body":" "},{"speaker":"Speaker 1","startTime":891.257,"endTime":891.718,"body":"harvesting"},{"speaker":"Speaker 1","startTime":891.718,"endTime":891.718,"body":" "},{"speaker":"Speaker 1","startTime":891.758,"endTime":891.858,"body":"to"},{"speaker":"Speaker 1","startTime":891.858,"endTime":891.858,"body":" "},{"speaker":"Speaker 1","startTime":891.939,"endTime":892.199,"body":"work"},{"speaker":"Speaker 1","startTime":892.199,"endTime":892.199,"body":" "},{"speaker":"Speaker 1","startTime":892.34,"endTime":892.48,"body":"off"},{"speaker":"Speaker 1","startTime":892.48,"endTime":892.48,"body":" "},{"speaker":"Speaker 1","startTime":892.56,"endTime":892.741,"body":"those"},{"speaker":"Speaker 1","startTime":892.741,"endTime":892.741,"body":" "},{"speaker":"Speaker 1","startTime":892.781,"endTime":893.081,"body":"shares"},{"speaker":"Speaker 1","startTime":893.081,"endTime":893.081,"body":" "},{"speaker":"Speaker 1","startTime":893.121,"endTime":893.182,"body":"of"},{"speaker":"Speaker 1","startTime":893.182,"endTime":893.182,"body":" "},{"speaker":"Speaker 1","startTime":893.202,"endTime":893.402,"body":"Home"},{"speaker":"Speaker 1","startTime":893.402,"endTime":893.402,"body":" "},{"speaker":"Speaker 1","startTime":893.442,"endTime":893.643,"body":"Depot"},{"speaker":"Speaker 1","startTime":893.643,"endTime":893.643,"body":","},{"speaker":"Speaker 1","startTime":893.643,"endTime":893.643,"body":" "},{"speaker":"Speaker 1","startTime":893.69,"endTime":893.931,"body":"which"},{"speaker":"Speaker 1","startTime":893.931,"endTime":893.931,"body":" "},{"speaker":"Speaker 1","startTime":893.951,"endTime":894.132,"body":"would"},{"speaker":"Speaker 1","startTime":894.132,"endTime":894.132,"body":" "},{"speaker":"Speaker 1","startTime":894.152,"endTime":894.312,"body":"take"},{"speaker":"Speaker 1","startTime":894.312,"endTime":894.312,"body":" "},{"speaker":"Speaker 1","startTime":894.373,"endTime":894.533,"body":"quite"},{"speaker":"Speaker 1","startTime":894.533,"endTime":894.533,"body":" "},{"speaker":"Speaker 1","startTime":894.573,"endTime":894.594,"body":"a"},{"speaker":"Speaker 1","startTime":894.594,"endTime":894.594,"body":" "},{"speaker":"Speaker 1","startTime":894.634,"endTime":894.915,"body":"while"},{"speaker":"Speaker 1","startTime":894.915,"endTime":894.915,"body":" "},{"speaker":"Speaker 1","startTime":895.316,"endTime":895.376,"body":"it"},{"speaker":"Speaker 1","startTime":895.376,"endTime":895.376,"body":" "},{"speaker":"Speaker 1","startTime":895.397,"endTime":895.517,"body":"would"},{"speaker":"Speaker 1","startTime":895.517,"endTime":895.517,"body":" "},{"speaker":"Speaker 1","startTime":895.537,"endTime":895.658,"body":"take"},{"speaker":"Speaker 1","startTime":895.658,"endTime":895.658,"body":" "},{"speaker":"Speaker 1","startTime":895.678,"endTime":895.698,"body":"a"},{"speaker":"Speaker 1","startTime":895.698,"endTime":895.698,"body":" "},{"speaker":"Speaker 1","startTime":895.798,"endTime":896.059,"body":"while"},{"speaker":"Speaker 1","startTime":896.059,"endTime":896.059,"body":" "},{"speaker":"Speaker 1","startTime":897.514,"endTime":897.595,"body":"and"},{"speaker":"Speaker 1","startTime":897.595,"endTime":897.595,"body":" "},{"speaker":"Speaker 1","startTime":897.615,"endTime":897.755,"body":"that"},{"speaker":"Speaker 1","startTime":897.755,"endTime":897.755,"body":" "},{"speaker":"Speaker 1","startTime":897.835,"endTime":898.076,"body":"actually"},{"speaker":"Speaker 1","startTime":898.076,"endTime":898.076,"body":" "},{"speaker":"Speaker 1","startTime":898.137,"endTime":898.337,"body":"leads"},{"speaker":"Speaker 1","startTime":898.337,"endTime":898.337,"body":" "},{"speaker":"Speaker 1","startTime":898.378,"endTime":898.498,"body":"to"},{"speaker":"Speaker 1","startTime":898.498,"endTime":898.498,"body":"."},{"speaker":"Speaker 1","startTime":898.498,"endTime":898.498,"body":" "},{"speaker":"Speaker 1","startTime":898.498,"endTime":898.498,"body":"\n"},{"speaker":"Speaker 2","startTime":898.518,"endTime":898.598,"body":"The"},{"speaker":"Speaker 2","startTime":898.598,"endTime":898.598,"body":" "},{"speaker":"Speaker 2","startTime":898.679,"endTime":898.92,"body":"next"},{"speaker":"Speaker 2","startTime":898.92,"endTime":898.92,"body":" "},{"speaker":"Speaker 2","startTime":898.96,"endTime":899.422,"body":"benefit"},{"speaker":"Speaker 2","startTime":899.422,"endTime":899.422,"body":" "},{"speaker":"Speaker 2","startTime":899.763,"endTime":899.904,"body":"is"},{"speaker":"Speaker 2","startTime":899.904,"endTime":899.904,"body":","},{"speaker":"Speaker 2","startTime":899.904,"endTime":899.904,"body":" "},{"speaker":"Speaker 2","startTime":901.048,"endTime":901.108,"body":"I"},{"speaker":"Speaker 2","startTime":901.108,"endTime":901.108,"body":" "},{"speaker":"Speaker 2","startTime":901.148,"endTime":901.269,"body":"guess"},{"speaker":"Speaker 2","startTime":901.269,"endTime":901.269,"body":","},{"speaker":"Speaker 2","startTime":901.269,"endTime":901.269,"body":" "},{"speaker":"Speaker 2","startTime":901.409,"endTime":901.53,"body":"like"},{"speaker":"Speaker 2","startTime":901.53,"endTime":901.53,"body":" "},{"speaker":"Speaker 2","startTime":901.811,"endTime":902.534,"body":"Customization"},{"speaker":"Speaker 2","startTime":902.534,"endTime":902.534,"body":","},{"speaker":"Speaker 2","startTime":902.534,"endTime":902.534,"body":" "},{"speaker":"Speaker 2","startTime":902.635,"endTime":902.835,"body":"which"},{"speaker":"Speaker 2","startTime":902.835,"endTime":902.835,"body":","},{"speaker":"Speaker 2","startTime":902.835,"endTime":902.835,"body":" "},{"speaker":"Speaker 2","startTime":903.317,"endTime":903.378,"body":"you"},{"speaker":"Speaker 2","startTime":903.378,"endTime":903.378,"body":" "},{"speaker":"Speaker 2","startTime":903.418,"endTime":903.538,"body":"know"},{"speaker":"Speaker 2","startTime":903.538,"endTime":903.538,"body":","},{"speaker":"Speaker 2","startTime":903.538,"endTime":903.538,"body":" "},{"speaker":"Speaker 2","startTime":903.659,"endTime":903.759,"body":"we"},{"speaker":"Speaker 2","startTime":903.759,"endTime":903.759,"body":" "},{"speaker":"Speaker 2","startTime":903.799,"endTime":903.96,"body":"would"},{"speaker":"Speaker 2","startTime":903.96,"endTime":903.96,"body":" "},{"speaker":"Speaker 2","startTime":904.261,"endTime":904.683,"body":"recommend"},{"speaker":"Speaker 2","startTime":904.683,"endTime":904.683,"body":" "},{"speaker":"Speaker 2","startTime":904.703,"endTime":904.804,"body":"that"},{"speaker":"Speaker 2","startTime":904.804,"endTime":904.804,"body":" "},{"speaker":"Speaker 2","startTime":904.844,"endTime":904.964,"body":"this"},{"speaker":"Speaker 2","startTime":904.964,"endTime":904.964,"body":" "},{"speaker":"Speaker 2","startTime":905.024,"endTime":905.085,"body":"is"},{"speaker":"Speaker 2","startTime":905.085,"endTime":905.085,"body":" "},{"speaker":"Speaker 2","startTime":905.125,"endTime":905.265,"body":"only"},{"speaker":"Speaker 2","startTime":905.265,"endTime":905.265,"body":" "},{"speaker":"Speaker 2","startTime":905.306,"endTime":905.506,"body":"for"},{"speaker":"Speaker 2","startTime":905.506,"endTime":905.506,"body":" "},{"speaker":"Speaker 2","startTime":905.526,"endTime":905.547,"body":"a"},{"speaker":"Speaker 2","startTime":905.547,"endTime":905.547,"body":" "},{"speaker":"Speaker 2","startTime":905.647,"endTime":905.788,"body":"few"},{"speaker":"Speaker 2","startTime":905.788,"endTime":905.788,"body":" "},{"speaker":"Speaker 2","startTime":905.828,"endTime":906.049,"body":"select"},{"speaker":"Speaker 2","startTime":906.049,"endTime":906.049,"body":" "},{"speaker":"Speaker 2","startTime":906.089,"endTime":906.35,"body":"clients"},{"speaker":"Speaker 2","startTime":906.35,"endTime":906.35,"body":","},{"speaker":"Speaker 2","startTime":906.35,"endTime":906.35,"body":" "},{"speaker":"Speaker 2","startTime":906.41,"endTime":906.591,"body":"but"},{"speaker":"Speaker 2","startTime":906.591,"endTime":906.591,"body":" "},{"speaker":"Speaker 2","startTime":906.771,"endTime":906.912,"body":"for"},{"speaker":"Speaker 2","startTime":906.912,"endTime":906.912,"body":" "},{"speaker":"Speaker 2","startTime":906.932,"endTime":906.992,"body":"the"},{"speaker":"Speaker 2","startTime":906.992,"endTime":906.992,"body":" "},{"speaker":"Speaker 2","startTime":907.052,"endTime":907.333,"body":"company"},{"speaker":"Speaker 2","startTime":907.333,"endTime":907.333,"body":" "},{"speaker":"Speaker 2","startTime":907.353,"endTime":907.975,"body":"executives"},{"speaker":"Speaker 2","startTime":907.975,"endTime":907.975,"body":" "},{"speaker":"Speaker 2","startTime":908.377,"endTime":908.537,"body":"that"},{"speaker":"Speaker 2","startTime":908.537,"endTime":908.537,"body":" "},{"speaker":"Speaker 2","startTime":908.597,"endTime":908.918,"body":"have"},{"speaker":"Speaker 2","startTime":908.918,"endTime":908.918,"body":" "},{"speaker":"Speaker 2","startTime":909.3,"endTime":909.601,"body":"these"},{"speaker":"Speaker 2","startTime":909.601,"endTime":909.601,"body":" "},{"speaker":"Speaker 2","startTime":910.29,"endTime":910.691,"body":"concentrated"},{"speaker":"Speaker 2","startTime":910.691,"endTime":910.691,"body":" "},{"speaker":"Speaker 2","startTime":910.711,"endTime":910.912,"body":"stock"},{"speaker":"Speaker 2","startTime":910.912,"endTime":910.912,"body":" "},{"speaker":"Speaker 2","startTime":910.932,"endTime":911.433,"body":"positions"},{"speaker":"Speaker 2","startTime":911.433,"endTime":911.433,"body":","},{"speaker":"Speaker 2","startTime":911.433,"endTime":911.433,"body":" "},{"speaker":"Speaker 2","startTime":911.794,"endTime":911.875,"body":"you"},{"speaker":"Speaker 2","startTime":911.875,"endTime":911.875,"body":" "},{"speaker":"Speaker 2","startTime":911.915,"endTime":912.035,"body":"can"},{"speaker":"Speaker 2","startTime":912.035,"endTime":912.035,"body":" "},{"speaker":"Speaker 2","startTime":912.115,"endTime":912.456,"body":"actually"},{"speaker":"Speaker 2","startTime":912.456,"endTime":912.456,"body":","},{"speaker":"Speaker 2","startTime":912.456,"endTime":912.456,"body":" "},{"speaker":"Speaker 2","startTime":912.857,"endTime":912.938,"body":"you"},{"speaker":"Speaker 2","startTime":912.938,"endTime":912.938,"body":" "},{"speaker":"Speaker 2","startTime":912.978,"endTime":913.118,"body":"know"},{"speaker":"Speaker 2","startTime":913.118,"endTime":913.118,"body":","},{"speaker":"Speaker 2","startTime":913.118,"endTime":913.118,"body":" "},{"speaker":"Speaker 2","startTime":913.539,"endTime":913.68,"body":"tell"},{"speaker":"Speaker 2","startTime":913.68,"endTime":913.68,"body":" "},{"speaker":"Speaker 2","startTime":913.72,"endTime":913.8,"body":"the"},{"speaker":"Speaker 2","startTime":913.8,"endTime":913.8,"body":" "},{"speaker":"Speaker 2","startTime":913.84,"endTime":914.362,"body":"strategy"},{"speaker":"Speaker 2","startTime":914.362,"endTime":914.362,"body":" "},{"speaker":"Speaker 2","startTime":914.89,"endTime":915.332,"body":"Software"},{"speaker":"Speaker 2","startTime":915.332,"endTime":915.332,"body":" "},{"speaker":"Speaker 2","startTime":915.412,"endTime":915.593,"body":"to"},{"speaker":"Speaker 2","startTime":915.593,"endTime":915.593,"body":" "},{"speaker":"Speaker 2","startTime":915.693,"endTime":916.054,"body":"exclude"},{"speaker":"Speaker 2","startTime":916.054,"endTime":916.054,"body":" "},{"speaker":"Speaker 2","startTime":916.074,"endTime":916.215,"body":"Home"},{"speaker":"Speaker 2","startTime":916.215,"endTime":916.215,"body":" "},{"speaker":"Speaker 2","startTime":916.235,"endTime":916.556,"body":"Depot"},{"speaker":"Speaker 2","startTime":916.556,"endTime":916.556,"body":" "},{"speaker":"Speaker 2","startTime":916.616,"endTime":916.776,"body":"from"},{"speaker":"Speaker 2","startTime":916.776,"endTime":916.776,"body":" "},{"speaker":"Speaker 2","startTime":916.817,"endTime":917.338,"body":"purchasing"},{"speaker":"Speaker 2","startTime":917.338,"endTime":917.338,"body":" "},{"speaker":"Speaker 2","startTime":917.378,"endTime":917.559,"body":"that"},{"speaker":"Speaker 2","startTime":917.559,"endTime":917.559,"body":" "},{"speaker":"Speaker 2","startTime":917.679,"endTime":917.9,"body":"stock"},{"speaker":"Speaker 2","startTime":917.9,"endTime":917.9,"body":" "},{"speaker":"Speaker 2","startTime":917.92,"endTime":918.121,"body":"going"},{"speaker":"Speaker 2","startTime":918.121,"endTime":918.121,"body":" "},{"speaker":"Speaker 2","startTime":918.161,"endTime":918.382,"body":"forward"},{"speaker":"Speaker 2","startTime":918.382,"endTime":918.382,"body":","},{"speaker":"Speaker 2","startTime":918.382,"endTime":918.382,"body":" "},{"speaker":"Speaker 2","startTime":918.402,"endTime":918.663,"body":"because"},{"speaker":"Speaker 2","startTime":918.663,"endTime":918.663,"body":" "},{"speaker":"Speaker 2","startTime":918.924,"endTime":919.024,"body":"you"},{"speaker":"Speaker 2","startTime":919.024,"endTime":919.024,"body":" "},{"speaker":"Speaker 2","startTime":919.044,"endTime":919.144,"body":"have"},{"speaker":"Speaker 2","startTime":919.144,"endTime":919.144,"body":" "},{"speaker":"Speaker 2","startTime":919.164,"endTime":919.184,"body":"a"},{"speaker":"Speaker 2","startTime":919.184,"endTime":919.184,"body":" "},{"speaker":"Speaker 2","startTime":919.204,"endTime":919.305,"body":"lot"},{"speaker":"Speaker 2","startTime":919.305,"endTime":919.305,"body":" "},{"speaker":"Speaker 2","startTime":919.325,"endTime":919.365,"body":"of"},{"speaker":"Speaker 2","startTime":919.365,"endTime":919.365,"body":" "},{"speaker":"Speaker 2","startTime":919.405,"endTime":919.505,"body":"Home"},{"speaker":"Speaker 2","startTime":919.505,"endTime":919.505,"body":" "},{"speaker":"Speaker 2","startTime":919.526,"endTime":919.786,"body":"Depot"},{"speaker":"Speaker 2","startTime":919.786,"endTime":919.786,"body":" "},{"speaker":"Speaker 2","startTime":919.806,"endTime":920.027,"body":"stock"},{"speaker":"Speaker 2","startTime":920.027,"endTime":920.027,"body":" "},{"speaker":"Speaker 2","startTime":920.107,"endTime":920.449,"body":"elsewhere"},{"speaker":"Speaker 2","startTime":920.449,"endTime":920.449,"body":","},{"speaker":"Speaker 2","startTime":920.449,"endTime":920.449,"body":" "},{"speaker":"Speaker 2","startTime":920.689,"endTime":920.85,"body":"right"},{"speaker":"Speaker 2","startTime":920.85,"endTime":920.85,"body":"?"},{"speaker":"Speaker 2","startTime":920.85,"endTime":920.85,"body":" "},{"speaker":"Speaker 2","startTime":920.85,"endTime":920.91,"body":"Are"},{"speaker":"Speaker 2","startTime":920.91,"endTime":920.91,"body":" "},{"speaker":"Speaker 2","startTime":921.292,"endTime":921.493,"body":"you"},{"speaker":"Speaker 2","startTime":921.493,"endTime":921.493,"body":" "},{"speaker":"Speaker 2","startTime":921.554,"endTime":922.117,"body":"curious"},{"speaker":"Speaker 2","startTime":922.117,"endTime":922.117,"body":" "},{"speaker":"Speaker 2","startTime":922.358,"endTime":922.881,"body":"why"},{"speaker":"Speaker 2","startTime":922.881,"endTime":922.881,"body":" "},{"speaker":"Speaker 2","startTime":922.901,"endTime":923.624,"body":"annuities"},{"speaker":"Speaker 2","startTime":923.624,"endTime":923.624,"body":" "},{"speaker":"Speaker 2","startTime":923.645,"endTime":923.725,"body":"keep"},{"speaker":"Speaker 2","startTime":923.725,"endTime":923.725,"body":" "},{"speaker":"Speaker 2","startTime":923.745,"endTime":923.866,"body":"coming"},{"speaker":"Speaker 2","startTime":923.866,"endTime":923.866,"body":" "},{"speaker":"Speaker 2","startTime":923.886,"endTime":923.926,"body":"up"},{"speaker":"Speaker 2","startTime":923.926,"endTime":923.926,"body":" "},{"speaker":"Speaker 2","startTime":923.946,"endTime":923.986,"body":"as"},{"speaker":"Speaker 2","startTime":923.986,"endTime":923.986,"body":" "},{"speaker":"Speaker 2","startTime":924.006,"endTime":924.027,"body":"a"},{"speaker":"Speaker 2","startTime":924.027,"endTime":924.027,"body":" "},{"speaker":"Speaker 2","startTime":924.047,"endTime":924.228,"body":"potential"},{"speaker":"Speaker 2","startTime":924.228,"endTime":924.228,"body":" "},{"speaker":"Speaker 2","startTime":924.268,"endTime":924.469,"body":"investment"},{"speaker":"Speaker 2","startTime":924.469,"endTime":924.469,"body":" "},{"speaker":"Speaker 2","startTime":924.489,"endTime":924.61,"body":"option"},{"speaker":"Speaker 2","startTime":924.61,"endTime":924.61,"body":"?"},{"speaker":"Speaker 2","startTime":924.61,"endTime":924.61,"body":" "},{"speaker":"Speaker 2","startTime":924.61,"endTime":924.61,"body":"\n"},{"speaker":"Speaker 3","startTime":925.371,"endTime":925.933,"body":"People"},{"speaker":"Speaker 3","startTime":925.933,"endTime":925.933,"body":" "},{"speaker":"Speaker 3","startTime":929.142,"endTime":929.222,"body":"are"},{"speaker":"Speaker 3","startTime":929.222,"endTime":929.222,"body":" "},{"speaker":"Speaker 3","startTime":929.242,"endTime":929.383,"body":"often"},{"speaker":"Speaker 3","startTime":929.383,"endTime":929.383,"body":" "},{"speaker":"Speaker 3","startTime":929.403,"endTime":929.483,"body":"told"},{"speaker":"Speaker 3","startTime":929.483,"endTime":929.483,"body":" "},{"speaker":"Speaker 3","startTime":929.503,"endTime":929.583,"body":"that"},{"speaker":"Speaker 3","startTime":929.583,"endTime":929.583,"body":" "},{"speaker":"Speaker 3","startTime":929.603,"endTime":929.884,"body":"annuities"},{"speaker":"Speaker 3","startTime":929.884,"endTime":929.884,"body":" "},{"speaker":"Speaker 3","startTime":929.944,"endTime":930.005,"body":"can"},{"speaker":"Speaker 3","startTime":930.005,"endTime":930.005,"body":" "},{"speaker":"Speaker 3","startTime":930.025,"endTime":930.305,"body":"effectively"},{"speaker":"Speaker 3","startTime":930.305,"endTime":930.305,"body":" "},{"speaker":"Speaker 3","startTime":930.326,"endTime":930.546,"body":"mitigate"},{"speaker":"Speaker 3","startTime":930.546,"endTime":930.546,"body":" "},{"speaker":"Speaker 3","startTime":930.566,"endTime":930.787,"body":"investment"},{"speaker":"Speaker 3","startTime":930.787,"endTime":930.787,"body":" "},{"speaker":"Speaker 3","startTime":930.827,"endTime":930.947,"body":"risks"},{"speaker":"Speaker 3","startTime":930.947,"endTime":930.947,"body":" "},{"speaker":"Speaker 3","startTime":930.967,"endTime":931.048,"body":"and"},{"speaker":"Speaker 3","startTime":931.048,"endTime":931.048,"body":" "},{"speaker":"Speaker 3","startTime":931.088,"endTime":931.208,"body":"help"},{"speaker":"Speaker 3","startTime":931.208,"endTime":931.208,"body":" "},{"speaker":"Speaker 3","startTime":931.228,"endTime":931.348,"body":"secure"},{"speaker":"Speaker 3","startTime":931.348,"endTime":931.348,"body":" "},{"speaker":"Speaker 3","startTime":931.369,"endTime":931.469,"body":"their"},{"speaker":"Speaker 3","startTime":931.469,"endTime":931.469,"body":" "},{"speaker":"Speaker 3","startTime":931.509,"endTime":931.709,"body":"financial"},{"speaker":"Speaker 3","startTime":931.709,"endTime":931.709,"body":" "},{"speaker":"Speaker 3","startTime":931.73,"endTime":931.87,"body":"future"},{"speaker":"Speaker 3","startTime":931.87,"endTime":931.87,"body":"."},{"speaker":"Speaker 3","startTime":931.87,"endTime":931.87,"body":" "},{"speaker":"Speaker 3","startTime":934.395,"endTime":934.535,"body":"However"},{"speaker":"Speaker 3","startTime":934.535,"endTime":934.535,"body":","},{"speaker":"Speaker 3","startTime":934.535,"endTime":934.535,"body":" "},{"speaker":"Speaker 3","startTime":934.555,"endTime":935.056,"body":"annuities"},{"speaker":"Speaker 3","startTime":935.056,"endTime":935.056,"body":" "},{"speaker":"Speaker 3","startTime":935.076,"endTime":935.237,"body":"often"},{"speaker":"Speaker 3","startTime":935.237,"endTime":935.237,"body":" "},{"speaker":"Speaker 3","startTime":935.257,"endTime":935.497,"body":"benefit"},{"speaker":"Speaker 3","startTime":935.497,"endTime":935.497,"body":" "},{"speaker":"Speaker 3","startTime":935.517,"endTime":935.597,"body":"the"},{"speaker":"Speaker 3","startTime":935.597,"endTime":935.597,"body":" "},{"speaker":"Speaker 3","startTime":935.617,"endTime":936.099,"body":"salesperson"},{"speaker":"Speaker 3","startTime":936.099,"endTime":936.099,"body":" "},{"speaker":"Speaker 3","startTime":936.259,"endTime":936.379,"body":"and"},{"speaker":"Speaker 3","startTime":936.379,"endTime":936.379,"body":" "},{"speaker":"Speaker 3","startTime":936.68,"endTime":936.88,"body":"might"},{"speaker":"Speaker 3","startTime":936.88,"endTime":936.88,"body":" "},{"speaker":"Speaker 3","startTime":936.92,"endTime":937.001,"body":"not"},{"speaker":"Speaker 3","startTime":937.001,"endTime":937.001,"body":" "},{"speaker":"Speaker 3","startTime":937.041,"endTime":937.101,"body":"be"},{"speaker":"Speaker 3","startTime":937.101,"endTime":937.101,"body":" "},{"speaker":"Speaker 3","startTime":937.121,"endTime":937.181,"body":"the"},{"speaker":"Speaker 3","startTime":937.181,"endTime":937.181,"body":" "},{"speaker":"Speaker 3","startTime":937.241,"endTime":937.562,"body":"best"},{"speaker":"Speaker 3","startTime":937.562,"endTime":937.562,"body":" "},{"speaker":"Speaker 3","startTime":937.582,"endTime":937.983,"body":"choice"},{"speaker":"Speaker 3","startTime":937.983,"endTime":937.983,"body":" "},{"speaker":"Speaker 3","startTime":938.003,"endTime":938.063,"body":"for"},{"speaker":"Speaker 3","startTime":938.063,"endTime":938.063,"body":" "},{"speaker":"Speaker 3","startTime":938.083,"endTime":938.243,"body":"you"},{"speaker":"Speaker 3","startTime":938.243,"endTime":938.243,"body":" "},{"speaker":"Speaker 3","startTime":938.263,"endTime":938.303,"body":"as"},{"speaker":"Speaker 3","startTime":938.303,"endTime":938.303,"body":" "},{"speaker":"Speaker 3","startTime":938.343,"endTime":938.364,"body":"a"},{"speaker":"Speaker 3","startTime":938.364,"endTime":938.364,"body":" "},{"speaker":"Speaker 3","startTime":938.424,"endTime":938.684,"body":"consumer"},{"speaker":"Speaker 3","startTime":938.684,"endTime":938.684,"body":" "},{"speaker":"Speaker 3","startTime":939.554,"endTime":939.594,"body":"To"},{"speaker":"Speaker 3","startTime":939.594,"endTime":939.594,"body":" "},{"speaker":"Speaker 3","startTime":939.654,"endTime":939.835,"body":"learn"},{"speaker":"Speaker 3","startTime":939.835,"endTime":939.835,"body":" "},{"speaker":"Speaker 3","startTime":939.855,"endTime":939.996,"body":"more"},{"speaker":"Speaker 3","startTime":939.996,"endTime":939.996,"body":" "},{"speaker":"Speaker 3","startTime":940.036,"endTime":940.639,"body":"about"},{"speaker":"Speaker 3","startTime":940.639,"endTime":940.639,"body":" "},{"speaker":"Speaker 3","startTime":940.659,"endTime":940.719,"body":"the"},{"speaker":"Speaker 3","startTime":940.719,"endTime":940.719,"body":" "},{"speaker":"Speaker 3","startTime":940.759,"endTime":940.96,"body":"various"},{"speaker":"Speaker 3","startTime":940.96,"endTime":940.96,"body":" "},{"speaker":"Speaker 3","startTime":940.98,"endTime":941.101,"body":"types"},{"speaker":"Speaker 3","startTime":941.101,"endTime":941.101,"body":" "},{"speaker":"Speaker 3","startTime":941.121,"endTime":941.161,"body":"of"},{"speaker":"Speaker 3","startTime":941.161,"endTime":941.161,"body":" "},{"speaker":"Speaker 3","startTime":941.181,"endTime":941.663,"body":"annuities"},{"speaker":"Speaker 3","startTime":941.663,"endTime":941.663,"body":"."},{"speaker":"Speaker 3","startTime":941.663,"endTime":941.663,"body":" "},{"speaker":"Speaker 3","startTime":941.944,"endTime":942.185,"body":"The"},{"speaker":"Speaker 3","startTime":942.185,"endTime":942.185,"body":" "},{"speaker":"Speaker 3","startTime":942.205,"endTime":942.507,"body":"negatives"},{"speaker":"Speaker 3","startTime":942.507,"endTime":942.507,"body":" "},{"speaker":"Speaker 3","startTime":942.527,"endTime":942.567,"body":"of"},{"speaker":"Speaker 3","startTime":942.567,"endTime":942.567,"body":" "},{"speaker":"Speaker 3","startTime":942.587,"endTime":942.728,"body":"owning"},{"speaker":"Speaker 3","startTime":942.728,"endTime":942.728,"body":" "},{"speaker":"Speaker 3","startTime":942.748,"endTime":942.828,"body":"the"},{"speaker":"Speaker 3","startTime":942.828,"endTime":942.828,"body":" "},{"speaker":"Speaker 3","startTime":942.929,"endTime":943.23,"body":"annuities"},{"speaker":"Speaker 3","startTime":943.23,"endTime":943.23,"body":" "},{"speaker":"Speaker 3","startTime":943.411,"endTime":943.512,"body":"is"},{"speaker":"Speaker 3","startTime":943.512,"endTime":943.512,"body":" "},{"speaker":"Speaker 3","startTime":943.552,"endTime":943.914,"body":"that"},{"speaker":"Speaker 3","startTime":943.914,"endTime":943.914,"body":" "},{"speaker":"Speaker 3","startTime":943.935,"endTime":944.075,"body":"they"},{"speaker":"Speaker 3","startTime":944.075,"endTime":944.075,"body":" "},{"speaker":"Speaker 3","startTime":944.096,"endTime":944.156,"body":"are"},{"speaker":"Speaker 3","startTime":944.156,"endTime":944.156,"body":" "},{"speaker":"Speaker 3","startTime":944.196,"endTime":944.317,"body":"not"},{"speaker":"Speaker 3","startTime":944.317,"endTime":944.317,"body":" "},{"speaker":"Speaker 3","startTime":944.518,"endTime":944.599,"body":"the"},{"speaker":"Speaker 3","startTime":944.599,"endTime":944.599,"body":" "},{"speaker":"Speaker 3","startTime":944.659,"endTime":944.861,"body":"best"},{"speaker":"Speaker 3","startTime":944.861,"endTime":944.861,"body":" "},{"speaker":"Speaker 3","startTime":944.901,"endTime":945.142,"body":"choice"},{"speaker":"Speaker 3","startTime":945.142,"endTime":945.142,"body":" "},{"speaker":"Speaker 3","startTime":945.203,"endTime":945.324,"body":"for"},{"speaker":"Speaker 3","startTime":945.324,"endTime":945.324,"body":" "},{"speaker":"Speaker 3","startTime":945.424,"endTime":945.605,"body":"you"},{"speaker":"Speaker 3","startTime":945.605,"endTime":945.605,"body":" "},{"speaker":"Speaker 3","startTime":945.847,"endTime":945.948,"body":"as"},{"speaker":"Speaker 3","startTime":945.948,"endTime":945.948,"body":" "},{"speaker":"Speaker 3","startTime":945.988,"endTime":946.028,"body":"a"},{"speaker":"Speaker 3","startTime":946.028,"endTime":946.028,"body":" "},{"speaker":"Speaker 3","startTime":946.069,"endTime":946.29,"body":"consumer"},{"speaker":"Speaker 3","startTime":946.29,"endTime":946.29,"body":" "},{"speaker":"Speaker 3","startTime":947.092,"endTime":947.192,"body":"To"},{"speaker":"Speaker 3","startTime":947.192,"endTime":947.192,"body":" "},{"speaker":"Speaker 3","startTime":947.252,"endTime":947.452,"body":"learn"},{"speaker":"Speaker 3","startTime":947.452,"endTime":947.452,"body":" "},{"speaker":"Speaker 3","startTime":947.492,"endTime":947.693,"body":"more"},{"speaker":"Speaker 3","startTime":947.693,"endTime":947.693,"body":" "},{"speaker":"Speaker 3","startTime":947.713,"endTime":947.933,"body":"about"},{"speaker":"Speaker 3","startTime":947.933,"endTime":947.933,"body":" "},{"speaker":"Speaker 3","startTime":947.953,"endTime":948.014,"body":"the"},{"speaker":"Speaker 3","startTime":948.014,"endTime":948.014,"body":" "},{"speaker":"Speaker 3","startTime":948.074,"endTime":948.414,"body":"various"},{"speaker":"Speaker 3","startTime":948.414,"endTime":948.414,"body":" "},{"speaker":"Speaker 3","startTime":948.454,"endTime":948.735,"body":"types"},{"speaker":"Speaker 3","startTime":948.735,"endTime":948.735,"body":" "},{"speaker":"Speaker 3","startTime":948.815,"endTime":948.875,"body":"of"},{"speaker":"Speaker 3","startTime":948.875,"endTime":948.875,"body":" "},{"speaker":"Speaker 3","startTime":948.935,"endTime":949.436,"body":"annuities"},{"speaker":"Speaker 3","startTime":949.436,"endTime":949.436,"body":","},{"speaker":"Speaker 3","startTime":949.436,"endTime":949.436,"body":" "},{"speaker":"Speaker 3","startTime":949.817,"endTime":949.897,"body":"the"},{"speaker":"Speaker 3","startTime":949.897,"endTime":949.897,"body":" "},{"speaker":"Speaker 3","startTime":949.937,"endTime":950.318,"body":"negatives"},{"speaker":"Speaker 3","startTime":950.318,"endTime":950.318,"body":" "},{"speaker":"Speaker 3","startTime":950.378,"endTime":950.439,"body":"of"},{"speaker":"Speaker 3","startTime":950.439,"endTime":950.439,"body":" "},{"speaker":"Speaker 3","startTime":950.579,"endTime":950.819,"body":"owning"},{"speaker":"Speaker 3","startTime":950.819,"endTime":950.819,"body":" "},{"speaker":"Speaker 3","startTime":950.859,"endTime":951.04,"body":"them"},{"speaker":"Speaker 3","startTime":951.04,"endTime":951.04,"body":" "},{"speaker":"Speaker 3","startTime":951.621,"endTime":951.761,"body":"and"},{"speaker":"Speaker 3","startTime":951.761,"endTime":951.761,"body":" "},{"speaker":"Speaker 3","startTime":951.821,"endTime":952.042,"body":"better"},{"speaker":"Speaker 3","startTime":952.042,"endTime":952.042,"body":" "},{"speaker":"Speaker 3","startTime":952.082,"endTime":952.503,"body":"investment"},{"speaker":"Speaker 3","startTime":952.503,"endTime":952.503,"body":" "},{"speaker":"Speaker 3","startTime":952.543,"endTime":953.164,"body":"alternatives"},{"speaker":"Speaker 3","startTime":953.164,"endTime":953.164,"body":"."},{"speaker":"Speaker 3","startTime":953.164,"endTime":953.164,"body":" "},{"speaker":"Speaker 3","startTime":953.672,"endTime":953.792,"body":"We"},{"speaker":"Speaker 3","startTime":953.792,"endTime":953.792,"body":" "},{"speaker":"Speaker 3","startTime":953.832,"endTime":953.973,"body":"have"},{"speaker":"Speaker 3","startTime":953.973,"endTime":953.973,"body":" "},{"speaker":"Speaker 3","startTime":953.993,"endTime":954.033,"body":"a"},{"speaker":"Speaker 3","startTime":954.033,"endTime":954.033,"body":" "},{"speaker":"Speaker 3","startTime":954.093,"endTime":954.374,"body":"free"},{"speaker":"Speaker 3","startTime":954.374,"endTime":954.374,"body":" "},{"speaker":"Speaker 3","startTime":954.514,"endTime":954.795,"body":"e-book"},{"speaker":"Speaker 3","startTime":954.795,"endTime":954.795,"body":" "},{"speaker":"Speaker 3","startTime":954.956,"endTime":955.016,"body":"on"},{"speaker":"Speaker 3","startTime":955.016,"endTime":955.016,"body":" "},{"speaker":"Speaker 3","startTime":955.056,"endTime":955.157,"body":"our"},{"speaker":"Speaker 3","startTime":955.157,"endTime":955.157,"body":" "},{"speaker":"Speaker 3","startTime":955.177,"endTime":955.638,"body":"website"},{"speaker":"Speaker 3","startTime":955.638,"endTime":955.638,"body":" "},{"speaker":"Speaker 3","startTime":955.819,"endTime":956.06,"body":"just"},{"speaker":"Speaker 3","startTime":956.06,"endTime":956.06,"body":" "},{"speaker":"Speaker 3","startTime":956.1,"endTime":956.24,"body":"for"},{"speaker":"Speaker 3","startTime":956.24,"endTime":956.24,"body":" "},{"speaker":"Speaker 3","startTime":956.281,"endTime":956.421,"body":"you"},{"speaker":"Speaker 3","startTime":956.421,"endTime":956.421,"body":" "},{"speaker":"Speaker 3","startTime":956.963,"endTime":957.063,"body":"to"},{"speaker":"Speaker 3","startTime":957.063,"endTime":957.063,"body":" "},{"speaker":"Speaker 3","startTime":957.103,"endTime":957.465,"body":"download"},{"speaker":"Speaker 3","startTime":957.465,"endTime":957.465,"body":" "},{"speaker":"Speaker 3","startTime":957.485,"endTime":957.585,"body":"our"},{"speaker":"Speaker 3","startTime":957.585,"endTime":957.585,"body":" "},{"speaker":"Speaker 3","startTime":957.705,"endTime":958.087,"body":"e-book"},{"speaker":"Speaker 3","startTime":958.087,"endTime":958.087,"body":"."},{"speaker":"Speaker 3","startTime":958.087,"endTime":958.087,"body":" "},{"speaker":"Speaker 3","startTime":958.408,"endTime":958.709,"body":"Fire"},{"speaker":"Speaker 3","startTime":958.709,"endTime":958.709,"body":" "},{"speaker":"Speaker 3","startTime":958.729,"endTime":959.01,"body":"beware"},{"speaker":"Speaker 3","startTime":959.01,"endTime":959.01,"body":"."},{"speaker":"Speaker 3","startTime":959.01,"endTime":959.01,"body":" "},{"speaker":"Speaker 3","startTime":959.452,"endTime":959.592,"body":"Why"},{"speaker":"Speaker 3","startTime":959.592,"endTime":959.592,"body":" "},{"speaker":"Speaker 3","startTime":959.632,"endTime":959.713,"body":"do"},{"speaker":"Speaker 3","startTime":959.713,"endTime":959.713,"body":" "},{"speaker":"Speaker 3","startTime":959.733,"endTime":959.853,"body":"they"},{"speaker":"Speaker 3","startTime":959.853,"endTime":959.853,"body":" "},{"speaker":"Speaker 3","startTime":959.873,"endTime":960.014,"body":"keep"},{"speaker":"Speaker 3","startTime":960.014,"endTime":960.014,"body":" "},{"speaker":"Speaker 3","startTime":960.074,"endTime":960.275,"body":"trying"},{"speaker":"Speaker 3","startTime":960.275,"endTime":960.275,"body":" "},{"speaker":"Speaker 3","startTime":960.295,"endTime":960.355,"body":"to"},{"speaker":"Speaker 3","startTime":960.355,"endTime":960.355,"body":" "},{"speaker":"Speaker 3","startTime":960.395,"endTime":960.556,"body":"sell"},{"speaker":"Speaker 3","startTime":960.556,"endTime":960.556,"body":" "},{"speaker":"Speaker 3","startTime":960.596,"endTime":960.676,"body":"you"},{"speaker":"Speaker 3","startTime":960.676,"endTime":960.676,"body":" "},{"speaker":"Speaker 3","startTime":960.717,"endTime":960.857,"body":"that"},{"speaker":"Speaker 3","startTime":960.857,"endTime":960.857,"body":" "},{"speaker":"Speaker 3","startTime":960.897,"endTime":961.339,"body":"annuity"},{"speaker":"Speaker 3","startTime":961.339,"endTime":961.339,"body":"?"},{"speaker":"Speaker 3","startTime":961.339,"endTime":961.339,"body":" "},{"speaker":"Speaker 3","startTime":961.99,"endTime":962.331,"body":"Simply"},{"speaker":"Speaker 3","startTime":962.331,"endTime":962.331,"body":" "},{"speaker":"Speaker 3","startTime":962.371,"endTime":962.612,"body":"click"},{"speaker":"Speaker 3","startTime":962.612,"endTime":962.612,"body":" "},{"speaker":"Speaker 3","startTime":962.632,"endTime":962.712,"body":"the"},{"speaker":"Speaker 3","startTime":962.712,"endTime":962.712,"body":" "},{"speaker":"Speaker 3","startTime":962.752,"endTime":962.993,"body":"link"},{"speaker":"Speaker 3","startTime":962.993,"endTime":962.993,"body":" "},{"speaker":"Speaker 3","startTime":963.073,"endTime":963.153,"body":"in"},{"speaker":"Speaker 3","startTime":963.153,"endTime":963.153,"body":" "},{"speaker":"Speaker 3","startTime":963.174,"endTime":963.254,"body":"the"},{"speaker":"Speaker 3","startTime":963.254,"endTime":963.254,"body":" "},{"speaker":"Speaker 3","startTime":963.314,"endTime":963.715,"body":"episode"},{"speaker":"Speaker 3","startTime":963.715,"endTime":963.715,"body":" "},{"speaker":"Speaker 3","startTime":963.795,"endTime":964.076,"body":"notes"},{"speaker":"Speaker 3","startTime":964.076,"endTime":964.076,"body":" "},{"speaker":"Speaker 3","startTime":964.577,"endTime":964.677,"body":"or"},{"speaker":"Speaker 3","startTime":964.677,"endTime":964.677,"body":" "},{"speaker":"Speaker 3","startTime":964.758,"endTime":965.139,"body":"visit"},{"speaker":"Speaker 3","startTime":965.139,"endTime":965.139,"body":" "},{"speaker":"Speaker 3","startTime":965.359,"endTime":965.72,"body":"wiser"},{"speaker":"Speaker 3","startTime":965.72,"endTime":965.72,"body":" "},{"speaker":"Speaker 3","startTime":965.76,"endTime":966.201,"body":"investor"},{"speaker":"Speaker 3","startTime":966.201,"endTime":966.201,"body":" "},{"speaker":"Speaker 3","startTime":966.542,"endTime":966.863,"body":"comm"},{"speaker":"Speaker 3","startTime":966.863,"endTime":966.863,"body":" "},{"speaker":"Speaker 3","startTime":967.023,"endTime":967.364,"body":"slash"},{"speaker":"Speaker 3","startTime":967.364,"endTime":967.364,"body":" "},{"speaker":"Speaker 3","startTime":967.404,"endTime":967.765,"body":"guides"},{"speaker":"Speaker 3","startTime":967.765,"endTime":967.765,"body":"."},{"speaker":"Speaker 3","startTime":967.765,"endTime":967.765,"body":" "},{"speaker":"Speaker 3","startTime":968.387,"endTime":968.487,"body":"Now"},{"speaker":"Speaker 3","startTime":968.487,"endTime":968.487,"body":" "},{"speaker":"Speaker 3","startTime":968.527,"endTime":968.708,"body":"let's"},{"speaker":"Speaker 3","startTime":968.708,"endTime":968.708,"body":" "},{"speaker":"Speaker 3","startTime":968.728,"endTime":968.828,"body":"get"},{"speaker":"Speaker 3","startTime":968.828,"endTime":968.828,"body":" "},{"speaker":"Speaker 3","startTime":968.868,"endTime":969.029,"body":"back"},{"speaker":"Speaker 3","startTime":969.029,"endTime":969.029,"body":" "},{"speaker":"Speaker 3","startTime":969.069,"endTime":969.129,"body":"to"},{"speaker":"Speaker 3","startTime":969.129,"endTime":969.129,"body":" "},{"speaker":"Speaker 3","startTime":969.169,"endTime":969.249,"body":"the"},{"speaker":"Speaker 3","startTime":969.249,"endTime":969.249,"body":" "},{"speaker":"Speaker 3","startTime":969.289,"endTime":969.57,"body":"episode"},{"speaker":"Speaker 3","startTime":969.57,"endTime":969.57,"body":" "},{"speaker":"Speaker 3","startTime":969.671,"endTime":972.208,"body":"so"},{"speaker":"Speaker 3","startTime":972.208,"endTime":972.208,"body":"."},{"speaker":"Speaker 3","startTime":972.208,"endTime":972.208,"body":" "},{"speaker":"Speaker 3","startTime":972.208,"endTime":972.208,"body":"\n"},{"speaker":"Speaker 1","startTime":973.453,"endTime":973.675,"body":"We"},{"speaker":"Speaker 1","startTime":973.675,"endTime":973.675,"body":" "},{"speaker":"Speaker 1","startTime":974.258,"endTime":974.459,"body":"can"},{"speaker":"Speaker 1","startTime":974.459,"endTime":974.459,"body":" "},{"speaker":"Speaker 1","startTime":974.54,"endTime":975.666,"body":"reduce"},{"speaker":"Speaker 1","startTime":975.666,"endTime":975.666,"body":" "},{"speaker":"Speaker 1","startTime":975.686,"endTime":976.068,"body":"concentrated"},{"speaker":"Speaker 1","startTime":976.068,"endTime":976.068,"body":" "},{"speaker":"Speaker 1","startTime":976.089,"endTime":976.209,"body":"stock"},{"speaker":"Speaker 1","startTime":976.209,"endTime":976.209,"body":" "},{"speaker":"Speaker 1","startTime":976.25,"endTime":976.33,"body":"risk"},{"speaker":"Speaker 1","startTime":976.33,"endTime":976.33,"body":","},{"speaker":"Speaker 1","startTime":976.33,"endTime":976.33,"body":" "},{"speaker":"Speaker 1","startTime":977.46,"endTime":977.723,"body":"to"},{"speaker":"Speaker 1","startTime":977.723,"endTime":977.723,"body":" "},{"speaker":"Speaker 1","startTime":977.783,"endTime":977.905,"body":"be"},{"speaker":"Speaker 1","startTime":977.905,"endTime":977.905,"body":" "},{"speaker":"Speaker 1","startTime":977.945,"endTime":978.167,"body":"able"},{"speaker":"Speaker 1","startTime":978.167,"endTime":978.167,"body":" "},{"speaker":"Speaker 1","startTime":978.187,"endTime":978.228,"body":"to"},{"speaker":"Speaker 1","startTime":978.228,"endTime":978.228,"body":" "},{"speaker":"Speaker 1","startTime":979.031,"endTime":979.373,"body":"Diversify"},{"speaker":"Speaker 1","startTime":979.373,"endTime":979.373,"body":" "},{"speaker":"Speaker 1","startTime":979.394,"endTime":979.575,"body":"portfolio"},{"speaker":"Speaker 1","startTime":979.575,"endTime":979.575,"body":" "},{"speaker":"Speaker 1","startTime":979.616,"endTime":979.737,"body":"more"},{"speaker":"Speaker 1","startTime":979.737,"endTime":979.737,"body":" "},{"speaker":"Speaker 1","startTime":979.837,"endTime":980.08,"body":"going"},{"speaker":"Speaker 1","startTime":980.08,"endTime":980.08,"body":" "},{"speaker":"Speaker 1","startTime":980.16,"endTime":980.584,"body":"going"},{"speaker":"Speaker 1","startTime":980.584,"endTime":980.584,"body":" "},{"speaker":"Speaker 1","startTime":980.604,"endTime":981.209,"body":"forward"},{"speaker":"Speaker 1","startTime":981.209,"endTime":981.209,"body":"."},{"speaker":"Speaker 1","startTime":981.209,"endTime":981.209,"body":" "},{"speaker":"Speaker 1","startTime":981.229,"endTime":981.29,"body":"Now"},{"speaker":"Speaker 1","startTime":981.29,"endTime":981.29,"body":","},{"speaker":"Speaker 1","startTime":981.29,"endTime":981.29,"body":" "},{"speaker":"Speaker 1","startTime":983.436,"endTime":983.637,"body":"you"},{"speaker":"Speaker 1","startTime":983.637,"endTime":983.637,"body":" "},{"speaker":"Speaker 1","startTime":983.677,"endTime":983.777,"body":"know"},{"speaker":"Speaker 1","startTime":983.777,"endTime":983.777,"body":","},{"speaker":"Speaker 1","startTime":983.777,"endTime":983.777,"body":" "},{"speaker":"Speaker 1","startTime":983.797,"endTime":984.64,"body":"sometimes"},{"speaker":"Speaker 1","startTime":984.64,"endTime":984.64,"body":" "},{"speaker":"Speaker 1","startTime":984.66,"endTime":984.741,"body":"you"},{"speaker":"Speaker 1","startTime":984.741,"endTime":984.741,"body":" "},{"speaker":"Speaker 1","startTime":984.781,"endTime":984.881,"body":"know"},{"speaker":"Speaker 1","startTime":984.881,"endTime":984.881,"body":" "},{"speaker":"Speaker 1","startTime":984.901,"endTime":985.343,"body":"people"},{"speaker":"Speaker 1","startTime":985.343,"endTime":985.343,"body":" "},{"speaker":"Speaker 1","startTime":985.363,"endTime":985.443,"body":"have"},{"speaker":"Speaker 1","startTime":985.443,"endTime":985.443,"body":" "},{"speaker":"Speaker 1","startTime":985.483,"endTime":985.604,"body":"we've"},{"speaker":"Speaker 1","startTime":985.604,"endTime":985.604,"body":" "},{"speaker":"Speaker 1","startTime":985.624,"endTime":985.684,"body":"had"},{"speaker":"Speaker 1","startTime":985.684,"endTime":985.684,"body":" "},{"speaker":"Speaker 1","startTime":986.186,"endTime":986.387,"body":"Microsoft"},{"speaker":"Speaker 1","startTime":986.387,"endTime":986.387,"body":" "},{"speaker":"Speaker 1","startTime":986.407,"endTime":986.427,"body":"a"},{"speaker":"Speaker 1","startTime":986.427,"endTime":986.427,"body":" "},{"speaker":"Speaker 1","startTime":986.447,"endTime":986.567,"body":"large"},{"speaker":"Speaker 1","startTime":986.567,"endTime":986.567,"body":" "},{"speaker":"Speaker 1","startTime":986.587,"endTime":986.748,"body":"holdings"},{"speaker":"Speaker 1","startTime":986.748,"endTime":986.748,"body":" "},{"speaker":"Speaker 1","startTime":986.768,"endTime":986.828,"body":"of"},{"speaker":"Speaker 1","startTime":986.828,"endTime":986.828,"body":" "},{"speaker":"Speaker 1","startTime":986.868,"endTime":987.089,"body":"Microsoft"},{"speaker":"Speaker 1","startTime":987.089,"endTime":987.089,"body":" "},{"speaker":"Speaker 1","startTime":987.109,"endTime":987.23,"body":"before"},{"speaker":"Speaker 1","startTime":987.23,"endTime":987.23,"body":","},{"speaker":"Speaker 1","startTime":987.23,"endTime":987.23,"body":" "},{"speaker":"Speaker 1","startTime":988.774,"endTime":988.895,"body":"and"},{"speaker":"Speaker 1","startTime":988.895,"endTime":988.895,"body":" "},{"speaker":"Speaker 1","startTime":988.915,"endTime":989.056,"body":"that's"},{"speaker":"Speaker 1","startTime":989.056,"endTime":989.056,"body":" "},{"speaker":"Speaker 1","startTime":989.076,"endTime":989.257,"body":"been"},{"speaker":"Speaker 1","startTime":989.257,"endTime":989.257,"body":" "},{"speaker":"Speaker 1","startTime":989.337,"endTime":989.377,"body":"a"},{"speaker":"Speaker 1","startTime":989.377,"endTime":989.377,"body":" "},{"speaker":"Speaker 1","startTime":989.417,"endTime":989.578,"body":"great"},{"speaker":"Speaker 1","startTime":989.578,"endTime":989.578,"body":" "},{"speaker":"Speaker 1","startTime":989.618,"endTime":989.9,"body":"investment"},{"speaker":"Speaker 1","startTime":989.9,"endTime":989.9,"body":","},{"speaker":"Speaker 1","startTime":989.9,"endTime":989.9,"body":" "},{"speaker":"Speaker 1","startTime":993.54,"endTime":993.62,"body":"and"},{"speaker":"Speaker 1","startTime":993.62,"endTime":993.62,"body":" "},{"speaker":"Speaker 1","startTime":993.64,"endTime":993.781,"body":"so"},{"speaker":"Speaker 1","startTime":993.781,"endTime":993.781,"body":" "},{"speaker":"Speaker 1","startTime":993.801,"endTime":993.901,"body":"you"},{"speaker":"Speaker 1","startTime":993.901,"endTime":993.901,"body":"."},{"speaker":"Speaker 1","startTime":993.901,"endTime":993.901,"body":" "},{"speaker":"Speaker 1","startTime":994.102,"endTime":994.222,"body":"But"},{"speaker":"Speaker 1","startTime":994.222,"endTime":994.222,"body":" "},{"speaker":"Speaker 1","startTime":994.523,"endTime":994.643,"body":"it's"},{"speaker":"Speaker 1","startTime":994.643,"endTime":994.643,"body":" "},{"speaker":"Speaker 1","startTime":994.664,"endTime":994.844,"body":"still"},{"speaker":"Speaker 1","startTime":994.844,"endTime":994.844,"body":","},{"speaker":"Speaker 1","startTime":994.844,"endTime":994.844,"body":" "},{"speaker":"Speaker 1","startTime":994.864,"endTime":994.944,"body":"when"},{"speaker":"Speaker 1","startTime":994.944,"endTime":994.944,"body":" "},{"speaker":"Speaker 1","startTime":994.964,"endTime":995.045,"body":"you"},{"speaker":"Speaker 1","startTime":995.045,"endTime":995.045,"body":" "},{"speaker":"Speaker 1","startTime":995.065,"endTime":995.205,"body":"think"},{"speaker":"Speaker 1","startTime":995.205,"endTime":995.205,"body":" "},{"speaker":"Speaker 1","startTime":995.245,"endTime":995.366,"body":"about"},{"speaker":"Speaker 1","startTime":995.366,"endTime":995.366,"body":" "},{"speaker":"Speaker 1","startTime":995.386,"endTime":995.506,"body":"legacy"},{"speaker":"Speaker 1","startTime":995.506,"endTime":995.506,"body":" "},{"speaker":"Speaker 1","startTime":995.526,"endTime":995.707,"body":"planning"},{"speaker":"Speaker 1","startTime":995.707,"endTime":995.707,"body":" "},{"speaker":"Speaker 1","startTime":995.727,"endTime":995.787,"body":"and"},{"speaker":"Speaker 1","startTime":995.787,"endTime":995.787,"body":" "},{"speaker":"Speaker 1","startTime":995.807,"endTime":995.867,"body":"and"},{"speaker":"Speaker 1","startTime":995.867,"endTime":995.867,"body":" "},{"speaker":"Speaker 1","startTime":995.887,"endTime":995.948,"body":"and"},{"speaker":"Speaker 1","startTime":995.948,"endTime":995.948,"body":" "},{"speaker":"Speaker 1","startTime":995.968,"endTime":996.028,"body":"you"},{"speaker":"Speaker 1","startTime":996.028,"endTime":996.028,"body":" "},{"speaker":"Speaker 1","startTime":996.048,"endTime":996.128,"body":"know"},{"speaker":"Speaker 1","startTime":996.128,"endTime":996.128,"body":","},{"speaker":"Speaker 1","startTime":996.128,"endTime":996.128,"body":" "},{"speaker":"Speaker 1","startTime":996.148,"endTime":996.188,"body":"if"},{"speaker":"Speaker 1","startTime":996.188,"endTime":996.188,"body":" "},{"speaker":"Speaker 1","startTime":996.208,"endTime":996.329,"body":"you're"},{"speaker":"Speaker 1","startTime":996.329,"endTime":996.329,"body":" "},{"speaker":"Speaker 1","startTime":996.349,"endTime":996.55,"body":"especially"},{"speaker":"Speaker 1","startTime":996.55,"endTime":996.55,"body":" "},{"speaker":"Speaker 1","startTime":996.57,"endTime":996.69,"body":"you're"},{"speaker":"Speaker 1","startTime":996.69,"endTime":996.69,"body":" "},{"speaker":"Speaker 1","startTime":996.831,"endTime":997.092,"body":"Younger"},{"speaker":"Speaker 1","startTime":997.092,"endTime":997.092,"body":" "},{"speaker":"Speaker 1","startTime":997.292,"endTime":997.413,"body":"and"},{"speaker":"Speaker 1","startTime":997.413,"endTime":997.413,"body":" "},{"speaker":"Speaker 1","startTime":997.875,"endTime":997.995,"body":"you"},{"speaker":"Speaker 1","startTime":997.995,"endTime":997.995,"body":" "},{"speaker":"Speaker 1","startTime":998.317,"endTime":998.498,"body":"retire"},{"speaker":"Speaker 1","startTime":998.498,"endTime":998.498,"body":","},{"speaker":"Speaker 1","startTime":998.498,"endTime":998.498,"body":" "},{"speaker":"Speaker 1","startTime":998.518,"endTime":998.578,"body":"you"},{"speaker":"Speaker 1","startTime":998.578,"endTime":998.578,"body":" "},{"speaker":"Speaker 1","startTime":998.598,"endTime":998.819,"body":"really"},{"speaker":"Speaker 1","startTime":998.819,"endTime":998.819,"body":" "},{"speaker":"Speaker 1","startTime":998.859,"endTime":998.919,"body":"you"},{"speaker":"Speaker 1","startTime":998.919,"endTime":998.919,"body":" "},{"speaker":"Speaker 1","startTime":998.939,"endTime":999.04,"body":"want"},{"speaker":"Speaker 1","startTime":999.04,"endTime":999.04,"body":","},{"speaker":"Speaker 1","startTime":999.04,"endTime":999.04,"body":" "},{"speaker":"Speaker 1","startTime":999.08,"endTime":999.18,"body":"you"},{"speaker":"Speaker 1","startTime":999.18,"endTime":999.18,"body":" "},{"speaker":"Speaker 1","startTime":999.221,"endTime":999.321,"body":"want"},{"speaker":"Speaker 1","startTime":999.321,"endTime":999.321,"body":" "},{"speaker":"Speaker 1","startTime":999.341,"endTime":999.381,"body":"to"},{"speaker":"Speaker 1","startTime":999.381,"endTime":999.381,"body":" "},{"speaker":"Speaker 1","startTime":999.401,"endTime":999.502,"body":"kind"},{"speaker":"Speaker 1","startTime":999.502,"endTime":999.502,"body":" "},{"speaker":"Speaker 1","startTime":999.522,"endTime":999.562,"body":"of"},{"speaker":"Speaker 1","startTime":999.562,"endTime":999.562,"body":" "},{"speaker":"Speaker 1","startTime":999.582,"endTime":999.743,"body":"offload"},{"speaker":"Speaker 1","startTime":999.743,"endTime":999.743,"body":" "},{"speaker":"Speaker 1","startTime":999.783,"endTime":999.883,"body":"some"},{"speaker":"Speaker 1","startTime":999.883,"endTime":999.883,"body":" "},{"speaker":"Speaker 1","startTime":999.903,"endTime":999.964,"body":"of"},{"speaker":"Speaker 1","startTime":999.964,"endTime":999.964,"body":" "},{"speaker":"Speaker 1","startTime":999.984,"endTime":1000.124,"body":"that"},{"speaker":"Speaker 1","startTime":1000.124,"endTime":1000.124,"body":" "},{"speaker":"Speaker 1","startTime":1000.165,"endTime":1000.265,"body":"right"},{"speaker":"Speaker 1","startTime":1000.265,"endTime":1000.265,"body":"."},{"speaker":"Speaker 1","startTime":1000.265,"endTime":1000.265,"body":" "},{"speaker":"Speaker 1","startTime":1001.631,"endTime":1001.751,"body":"You"},{"speaker":"Speaker 1","startTime":1001.751,"endTime":1001.751,"body":" "},{"speaker":"Speaker 1","startTime":1001.771,"endTime":1001.872,"body":"could"},{"speaker":"Speaker 1","startTime":1001.872,"endTime":1001.872,"body":" "},{"speaker":"Speaker 1","startTime":1001.892,"endTime":1001.932,"body":"do"},{"speaker":"Speaker 1","startTime":1001.932,"endTime":1001.932,"body":" "},{"speaker":"Speaker 1","startTime":1001.952,"endTime":1002.073,"body":"some"},{"speaker":"Speaker 1","startTime":1002.073,"endTime":1002.073,"body":" "},{"speaker":"Speaker 1","startTime":1002.113,"endTime":1002.173,"body":"of"},{"speaker":"Speaker 1","startTime":1002.173,"endTime":1002.173,"body":" "},{"speaker":"Speaker 1","startTime":1002.193,"endTime":1002.274,"body":"that"},{"speaker":"Speaker 1","startTime":1002.274,"endTime":1002.274,"body":" "},{"speaker":"Speaker 1","startTime":1002.294,"endTime":1002.535,"body":"through"},{"speaker":"Speaker 1","startTime":1002.535,"endTime":1002.535,"body":" "},{"speaker":"Speaker 1","startTime":1002.917,"endTime":1003.298,"body":"gifting"},{"speaker":"Speaker 1","startTime":1003.298,"endTime":1003.298,"body":"."},{"speaker":"Speaker 1","startTime":1003.298,"endTime":1003.298,"body":" "},{"speaker":"Speaker 1","startTime":1003.318,"endTime":1003.479,"body":"There's"},{"speaker":"Speaker 1","startTime":1003.479,"endTime":1003.479,"body":" "},{"speaker":"Speaker 1","startTime":1003.499,"endTime":1003.58,"body":"so"},{"speaker":"Speaker 1","startTime":1003.58,"endTime":1003.58,"body":" "},{"speaker":"Speaker 1","startTime":1003.6,"endTime":1003.7,"body":"many"},{"speaker":"Speaker 1","startTime":1003.7,"endTime":1003.7,"body":" "},{"speaker":"Speaker 1","startTime":1003.72,"endTime":1004.343,"body":"strategies"},{"speaker":"Speaker 1","startTime":1004.343,"endTime":1004.343,"body":" "},{"speaker":"Speaker 1","startTime":1004.363,"endTime":1004.544,"body":"to"},{"speaker":"Speaker 1","startTime":1004.544,"endTime":1004.544,"body":" "},{"speaker":"Speaker 1","startTime":1004.685,"endTime":1004.926,"body":"deal"},{"speaker":"Speaker 1","startTime":1004.926,"endTime":1004.926,"body":" "},{"speaker":"Speaker 1","startTime":1004.946,"endTime":1005.066,"body":"with"},{"speaker":"Speaker 1","startTime":1005.066,"endTime":1005.066,"body":" "},{"speaker":"Speaker 1","startTime":1005.106,"endTime":1005.468,"body":"concentrated"},{"speaker":"Speaker 1","startTime":1005.468,"endTime":1005.468,"body":" "},{"speaker":"Speaker 1","startTime":1005.488,"endTime":1005.669,"body":"stock"},{"speaker":"Speaker 1","startTime":1005.669,"endTime":1005.669,"body":"."},{"speaker":"Speaker 1","startTime":1005.669,"endTime":1005.669,"body":" "},{"speaker":"Speaker 1","startTime":1006.011,"endTime":1006.111,"body":"You"},{"speaker":"Speaker 1","startTime":1006.111,"endTime":1006.111,"body":" "},{"speaker":"Speaker 1","startTime":1006.131,"endTime":1006.171,"body":"go"},{"speaker":"Speaker 1","startTime":1006.171,"endTime":1006.171,"body":" "},{"speaker":"Speaker 1","startTime":1006.192,"endTime":1006.292,"body":"ahead"},{"speaker":"Speaker 1","startTime":1006.292,"endTime":1006.292,"body":" "},{"speaker":"Speaker 1","startTime":1006.312,"endTime":1006.373,"body":"and"},{"speaker":"Speaker 1","startTime":1006.373,"endTime":1006.373,"body":" "},{"speaker":"Speaker 1","startTime":1006.393,"endTime":1006.493,"body":"gift"},{"speaker":"Speaker 1","startTime":1006.493,"endTime":1006.493,"body":" "},{"speaker":"Speaker 1","startTime":1006.513,"endTime":1006.554,"body":"it"},{"speaker":"Speaker 1","startTime":1006.554,"endTime":1006.554,"body":" "},{"speaker":"Speaker 1","startTime":1006.574,"endTime":1006.674,"body":"to"},{"speaker":"Speaker 1","startTime":1006.674,"endTime":1006.674,"body":" "},{"speaker":"Speaker 1","startTime":1006.694,"endTime":1006.755,"body":"the"},{"speaker":"Speaker 1","startTime":1006.755,"endTime":1006.755,"body":" "},{"speaker":"Speaker 1","startTime":1006.775,"endTime":1006.855,"body":"next"},{"speaker":"Speaker 1","startTime":1006.855,"endTime":1006.855,"body":" "},{"speaker":"Speaker 1","startTime":1006.875,"endTime":1007.237,"body":"generation"},{"speaker":"Speaker 1","startTime":1007.237,"endTime":1007.237,"body":"."},{"speaker":"Speaker 1","startTime":1007.237,"endTime":1007.237,"body":" "},{"speaker":"Speaker 1","startTime":1007.258,"endTime":1007.358,"body":"You"},{"speaker":"Speaker 1","startTime":1007.358,"endTime":1007.358,"body":" "},{"speaker":"Speaker 1","startTime":1007.398,"endTime":1007.539,"body":"could"},{"speaker":"Speaker 1","startTime":1007.539,"endTime":1007.539,"body":"."},{"speaker":"Speaker 1","startTime":1007.539,"endTime":1007.539,"body":" "},{"speaker":"Speaker 1","startTime":1010.49,"endTime":1010.57,"body":"You"},{"speaker":"Speaker 1","startTime":1010.57,"endTime":1010.57,"body":" "},{"speaker":"Speaker 1","startTime":1010.651,"endTime":1010.791,"body":"know"},{"speaker":"Speaker 1","startTime":1010.791,"endTime":1010.791,"body":" "},{"speaker":"Speaker 1","startTime":1010.872,"endTime":1011.012,"body":"you"},{"speaker":"Speaker 1","startTime":1011.012,"endTime":1011.012,"body":" "},{"speaker":"Speaker 1","startTime":1011.093,"endTime":1011.293,"body":"can"},{"speaker":"Speaker 1","startTime":1011.293,"endTime":1011.293,"body":" "},{"speaker":"Speaker 1","startTime":1011.374,"endTime":1011.534,"body":"take"},{"speaker":"Speaker 1","startTime":1011.534,"endTime":1011.534,"body":" "},{"speaker":"Speaker 1","startTime":1011.615,"endTime":1011.695,"body":"the"},{"speaker":"Speaker 1","startTime":1011.695,"endTime":1011.695,"body":" "},{"speaker":"Speaker 1","startTime":1011.776,"endTime":1012.257,"body":"dividends"},{"speaker":"Speaker 1","startTime":1012.257,"endTime":1012.257,"body":" "},{"speaker":"Speaker 1","startTime":1012.338,"endTime":1012.418,"body":"and"},{"speaker":"Speaker 1","startTime":1012.418,"endTime":1012.418,"body":" "},{"speaker":"Speaker 1","startTime":1012.499,"endTime":1012.759,"body":"making"},{"speaker":"Speaker 1","startTime":1012.759,"endTime":1012.759,"body":" "},{"speaker":"Speaker 1","startTime":1012.84,"endTime":1013.061,"body":"sure"},{"speaker":"Speaker 1","startTime":1013.061,"endTime":1013.061,"body":" "},{"speaker":"Speaker 1","startTime":1013.141,"endTime":1013.241,"body":"that"},{"speaker":"Speaker 1","startTime":1013.241,"endTime":1013.241,"body":" "},{"speaker":"Speaker 1","startTime":1013.322,"endTime":1013.502,"body":"you're"},{"speaker":"Speaker 1","startTime":1013.502,"endTime":1013.502,"body":" "},{"speaker":"Speaker 1","startTime":1013.583,"endTime":1013.703,"body":"not"},{"speaker":"Speaker 1","startTime":1013.703,"endTime":1013.703,"body":" "},{"speaker":"Speaker 1","startTime":1013.784,"endTime":1014.024,"body":"buying"},{"speaker":"Speaker 1","startTime":1014.024,"endTime":1014.024,"body":" "},{"speaker":"Speaker 1","startTime":1014.105,"endTime":1014.246,"body":"more"},{"speaker":"Speaker 1","startTime":1014.246,"endTime":1014.246,"body":" "},{"speaker":"Speaker 1","startTime":1014.327,"endTime":1014.367,"body":"of"},{"speaker":"Speaker 1","startTime":1014.367,"endTime":1014.367,"body":" "},{"speaker":"Speaker 1","startTime":1014.448,"endTime":1014.528,"body":"the"},{"speaker":"Speaker 1","startTime":1014.528,"endTime":1014.528,"body":" "},{"speaker":"Speaker 1","startTime":1014.609,"endTime":1014.769,"body":"company"},{"speaker":"Speaker 1","startTime":1014.769,"endTime":1014.769,"body":"."},{"speaker":"Speaker 1","startTime":1014.769,"endTime":1014.769,"body":" "},{"speaker":"Speaker 1","startTime":1014.85,"endTime":1015.032,"body":"You're"},{"speaker":"Speaker 1","startTime":1015.032,"endTime":1015.032,"body":" "},{"speaker":"Speaker 1","startTime":1015.052,"endTime":1015.113,"body":"not"},{"speaker":"Speaker 1","startTime":1015.113,"endTime":1015.113,"body":" "},{"speaker":"Speaker 1","startTime":1015.133,"endTime":1015.173,"body":"in"},{"speaker":"Speaker 1","startTime":1015.173,"endTime":1015.173,"body":" "},{"speaker":"Speaker 1","startTime":1015.194,"endTime":1015.214,"body":"a"},{"speaker":"Speaker 1","startTime":1015.214,"endTime":1015.214,"body":" "},{"speaker":"Speaker 1","startTime":1015.254,"endTime":1015.719,"body":"dividend"},{"speaker":"Speaker 1","startTime":1015.719,"endTime":1015.719,"body":" "},{"speaker":"Speaker 1","startTime":1015.74,"endTime":1016.124,"body":"reinvestment"},{"speaker":"Speaker 1","startTime":1016.124,"endTime":1016.124,"body":" "},{"speaker":"Speaker 1","startTime":1016.144,"endTime":1016.326,"body":"plan"},{"speaker":"Speaker 1","startTime":1016.326,"endTime":1016.326,"body":","},{"speaker":"Speaker 1","startTime":1016.326,"endTime":1016.326,"body":" "},{"speaker":"Speaker 1","startTime":1017.815,"endTime":1017.935,"body":"but"},{"speaker":"Speaker 1","startTime":1017.935,"endTime":1017.935,"body":" "},{"speaker":"Speaker 1","startTime":1017.955,"endTime":1018.076,"body":"this"},{"speaker":"Speaker 1","startTime":1018.076,"endTime":1018.076,"body":" "},{"speaker":"Speaker 1","startTime":1018.096,"endTime":1018.176,"body":"this"},{"speaker":"Speaker 1","startTime":1018.176,"endTime":1018.176,"body":" "},{"speaker":"Speaker 1","startTime":1018.196,"endTime":1018.317,"body":"to"},{"speaker":"Speaker 1","startTime":1018.317,"endTime":1018.317,"body":" "},{"speaker":"Speaker 1","startTime":1018.357,"endTime":1018.437,"body":"me"},{"speaker":"Speaker 1","startTime":1018.437,"endTime":1018.437,"body":","},{"speaker":"Speaker 1","startTime":1018.437,"endTime":1018.437,"body":" "},{"speaker":"Speaker 1","startTime":1018.457,"endTime":1018.638,"body":"direct"},{"speaker":"Speaker 1","startTime":1018.638,"endTime":1018.638,"body":" "},{"speaker":"Speaker 1","startTime":1018.658,"endTime":1019.04,"body":"indexing"},{"speaker":"Speaker 1","startTime":1019.04,"endTime":1019.04,"body":" "},{"speaker":"Speaker 1","startTime":1019.12,"endTime":1019.401,"body":"makes"},{"speaker":"Speaker 1","startTime":1019.401,"endTime":1019.401,"body":","},{"speaker":"Speaker 1","startTime":1019.401,"endTime":1019.401,"body":" "},{"speaker":"Speaker 1","startTime":1019.843,"endTime":1020.184,"body":"makes"},{"speaker":"Speaker 1","startTime":1020.184,"endTime":1020.184,"body":" "},{"speaker":"Speaker 1","startTime":1020.224,"endTime":1020.365,"body":"the"},{"speaker":"Speaker 1","startTime":1020.365,"endTime":1020.365,"body":" "},{"speaker":"Speaker 1","startTime":1020.385,"endTime":1020.465,"body":"most"},{"speaker":"Speaker 1","startTime":1020.465,"endTime":1020.465,"body":" "},{"speaker":"Speaker 1","startTime":1020.626,"endTime":1020.847,"body":"sense"},{"speaker":"Speaker 1","startTime":1020.847,"endTime":1020.847,"body":" "},{"speaker":"Speaker 1","startTime":1021.913,"endTime":1021.974,"body":"of"},{"speaker":"Speaker 1","startTime":1021.974,"endTime":1021.974,"body":" "},{"speaker":"Speaker 1","startTime":1021.994,"endTime":1022.358,"body":"keeping"},{"speaker":"Speaker 1","startTime":1022.358,"endTime":1022.358,"body":" "},{"speaker":"Speaker 1","startTime":1022.398,"endTime":1022.681,"body":"control"},{"speaker":"Speaker 1","startTime":1022.681,"endTime":1022.681,"body":" "},{"speaker":"Speaker 1","startTime":1022.782,"endTime":1022.944,"body":"and"},{"speaker":"Speaker 1","startTime":1022.944,"endTime":1022.944,"body":" "},{"speaker":"Speaker 1","startTime":1022.964,"endTime":1023.045,"body":"then"},{"speaker":"Speaker 1","startTime":1023.045,"endTime":1023.045,"body":" "},{"speaker":"Speaker 1","startTime":1023.65,"endTime":1023.972,"body":"Trying"},{"speaker":"Speaker 1","startTime":1023.972,"endTime":1023.972,"body":" "},{"speaker":"Speaker 1","startTime":1024.534,"endTime":1024.575,"body":"to"},{"speaker":"Speaker 1","startTime":1024.575,"endTime":1024.575,"body":" "},{"speaker":"Speaker 1","startTime":1024.595,"endTime":1024.675,"body":"use"},{"speaker":"Speaker 1","startTime":1024.675,"endTime":1024.675,"body":" "},{"speaker":"Speaker 1","startTime":1024.695,"endTime":1024.856,"body":"those"},{"speaker":"Speaker 1","startTime":1024.856,"endTime":1024.856,"body":" "},{"speaker":"Speaker 1","startTime":1024.876,"endTime":1025.378,"body":"credits"},{"speaker":"Speaker 1","startTime":1025.378,"endTime":1025.378,"body":" "},{"speaker":"Speaker 1","startTime":1025.419,"endTime":1025.559,"body":"going"},{"speaker":"Speaker 1","startTime":1025.559,"endTime":1025.559,"body":" "},{"speaker":"Speaker 1","startTime":1025.619,"endTime":1026.282,"body":"forward"},{"speaker":"Speaker 1","startTime":1026.282,"endTime":1026.282,"body":" "},{"speaker":"Speaker 1","startTime":1026.303,"endTime":1026.463,"body":"to"},{"speaker":"Speaker 1","startTime":1026.463,"endTime":1026.463,"body":" "},{"speaker":"Speaker 1","startTime":1026.845,"endTime":1027.066,"body":"to"},{"speaker":"Speaker 1","startTime":1027.066,"endTime":1027.066,"body":" "},{"speaker":"Speaker 1","startTime":1027.086,"endTime":1027.307,"body":"reduce"},{"speaker":"Speaker 1","startTime":1027.307,"endTime":1027.307,"body":" "},{"speaker":"Speaker 1","startTime":1027.327,"endTime":1027.508,"body":"the"},{"speaker":"Speaker 1","startTime":1027.508,"endTime":1027.508,"body":" "},{"speaker":"Speaker 1","startTime":1027.548,"endTime":1027.87,"body":"holding"},{"speaker":"Speaker 1","startTime":1027.87,"endTime":1027.87,"body":" "},{"speaker":"Speaker 1","startTime":1029.497,"endTime":1030.749,"body":"Customizable"},{"speaker":"Speaker 1","startTime":1030.749,"endTime":1030.749,"body":"."},{"speaker":"Speaker 1","startTime":1030.749,"endTime":1030.749,"body":" "},{"speaker":"Speaker 1","startTime":1030.77,"endTime":1030.81,"body":"So"},{"speaker":"Speaker 1","startTime":1030.81,"endTime":1030.81,"body":" "},{"speaker":"Speaker 1","startTime":1034.698,"endTime":1034.818,"body":"I"},{"speaker":"Speaker 1","startTime":1034.818,"endTime":1034.818,"body":" "},{"speaker":"Speaker 1","startTime":1034.838,"endTime":1035.018,"body":"can't"},{"speaker":"Speaker 1","startTime":1035.018,"endTime":1035.018,"body":" "},{"speaker":"Speaker 1","startTime":1035.038,"endTime":1035.139,"body":"we"},{"speaker":"Speaker 1","startTime":1035.139,"endTime":1035.139,"body":" "},{"speaker":"Speaker 1","startTime":1035.199,"endTime":1035.339,"body":"kind"},{"speaker":"Speaker 1","startTime":1035.339,"endTime":1035.339,"body":" "},{"speaker":"Speaker 1","startTime":1035.379,"endTime":1035.419,"body":"of"},{"speaker":"Speaker 1","startTime":1035.419,"endTime":1035.419,"body":" "},{"speaker":"Speaker 1","startTime":1035.459,"endTime":1035.56,"body":"hit"},{"speaker":"Speaker 1","startTime":1035.56,"endTime":1035.56,"body":" "},{"speaker":"Speaker 1","startTime":1035.6,"endTime":1035.68,"body":"on"},{"speaker":"Speaker 1","startTime":1035.68,"endTime":1035.68,"body":" "},{"speaker":"Speaker 1","startTime":1035.7,"endTime":1035.84,"body":"this"},{"speaker":"Speaker 1","startTime":1035.84,"endTime":1035.84,"body":" "},{"speaker":"Speaker 1","startTime":1035.9,"endTime":1036.221,"body":"already"},{"speaker":"Speaker 1","startTime":1036.221,"endTime":1036.221,"body":","},{"speaker":"Speaker 1","startTime":1036.221,"endTime":1036.221,"body":" "},{"speaker":"Speaker 1","startTime":1036.281,"endTime":1036.501,"body":"though"},{"speaker":"Speaker 1","startTime":1036.501,"endTime":1036.501,"body":","},{"speaker":"Speaker 1","startTime":1036.501,"endTime":1036.501,"body":" "},{"speaker":"Speaker 1","startTime":1036.942,"endTime":1037.043,"body":"but"},{"speaker":"Speaker 1","startTime":1037.043,"endTime":1037.043,"body":" "},{"speaker":"Speaker 1","startTime":1037.083,"endTime":1037.143,"body":"if"},{"speaker":"Speaker 1","startTime":1037.143,"endTime":1037.143,"body":" "},{"speaker":"Speaker 1","startTime":1037.183,"endTime":1037.403,"body":"you"},{"speaker":"Speaker 1","startTime":1037.403,"endTime":1037.403,"body":","},{"speaker":"Speaker 1","startTime":1037.403,"endTime":1037.403,"body":" "},{"speaker":"Speaker 1","startTime":1037.523,"endTime":1037.604,"body":"if"},{"speaker":"Speaker 1","startTime":1037.604,"endTime":1037.604,"body":" "},{"speaker":"Speaker 1","startTime":1037.624,"endTime":1037.724,"body":"you"},{"speaker":"Speaker 1","startTime":1037.724,"endTime":1037.724,"body":" "},{"speaker":"Speaker 1","startTime":1037.744,"endTime":1037.944,"body":"wanted"},{"speaker":"Speaker 1","startTime":1037.944,"endTime":1037.944,"body":" "},{"speaker":"Speaker 1","startTime":1037.984,"endTime":1038.065,"body":"to"},{"speaker":"Speaker 1","startTime":1038.065,"endTime":1038.065,"body":" "},{"speaker":"Speaker 1","startTime":1038.105,"endTime":1038.365,"body":"create"},{"speaker":"Speaker 1","startTime":1038.365,"endTime":1038.365,"body":" "},{"speaker":"Speaker 1","startTime":1038.405,"endTime":1038.445,"body":"an"},{"speaker":"Speaker 1","startTime":1038.445,"endTime":1038.445,"body":" "},{"speaker":"Speaker 1","startTime":1038.525,"endTime":1039.006,"body":"index"},{"speaker":"Speaker 1","startTime":1039.006,"endTime":1039.006,"body":" "},{"speaker":"Speaker 1","startTime":1039.848,"endTime":1040.229,"body":"that"},{"speaker":"Speaker 1","startTime":1040.229,"endTime":1040.229,"body":" "},{"speaker":"Speaker 1","startTime":1041.051,"endTime":1041.372,"body":"basically"},{"speaker":"Speaker 1","startTime":1041.372,"endTime":1041.372,"body":" "},{"speaker":"Speaker 1","startTime":1041.392,"endTime":1041.652,"body":"didn't"},{"speaker":"Speaker 1","startTime":1041.652,"endTime":1041.652,"body":" "},{"speaker":"Speaker 1","startTime":1041.732,"endTime":1042.174,"body":"hold"},{"speaker":"Speaker 1","startTime":1042.174,"endTime":1042.174,"body":" "},{"speaker":"Speaker 1","startTime":1042.996,"endTime":1043.116,"body":"its"},{"speaker":"Speaker 1","startTime":1043.116,"endTime":1043.116,"body":" "},{"speaker":"Speaker 1","startTime":1043.176,"endTime":1043.357,"body":"most"},{"speaker":"Speaker 1","startTime":1043.357,"endTime":1043.357,"body":" "},{"speaker":"Speaker 1","startTime":1043.397,"endTime":1043.718,"body":"popular"},{"speaker":"Speaker 1","startTime":1043.718,"endTime":1043.718,"body":","},{"speaker":"Speaker 1","startTime":1043.718,"endTime":1043.718,"body":" "},{"speaker":"Speaker 1","startTime":1043.758,"endTime":1044.219,"body":"unfortunately"},{"speaker":"Speaker 1","startTime":1044.219,"endTime":1044.219,"body":","},{"speaker":"Speaker 1","startTime":1044.219,"endTime":1044.219,"body":" "},{"speaker":"Speaker 1","startTime":1044.239,"endTime":1044.339,"body":"with"},{"speaker":"Speaker 1","startTime":1044.339,"endTime":1044.339,"body":","},{"speaker":"Speaker 1","startTime":1044.339,"endTime":1044.339,"body":" "},{"speaker":"Speaker 1","startTime":1044.379,"endTime":1044.52,"body":"like"},{"speaker":"Speaker 1","startTime":1044.52,"endTime":1044.52,"body":","},{"speaker":"Speaker 1","startTime":1044.52,"endTime":1044.52,"body":" "},{"speaker":"Speaker 1","startTime":1044.54,"endTime":1044.62,"body":"the"},{"speaker":"Speaker 1","startTime":1044.62,"endTime":1044.62,"body":" "},{"speaker":"Speaker 1","startTime":1044.7,"endTime":1045.101,"body":"ESG"},{"speaker":"Speaker 1","startTime":1045.101,"endTime":1045.101,"body":" "},{"speaker":"Speaker 1","startTime":1045.141,"endTime":1045.502,"body":"agenda"},{"speaker":"Speaker 1","startTime":1045.502,"endTime":1045.502,"body":"."},{"speaker":"Speaker 1","startTime":1045.502,"endTime":1045.502,"body":" "},{"speaker":"Speaker 1","startTime":1045.502,"endTime":1045.502,"body":"\n"},{"speaker":"Speaker 2","startTime":1046.474,"endTime":1046.534,"body":"I"},{"speaker":"Speaker 2","startTime":1046.534,"endTime":1046.534,"body":" "},{"speaker":"Speaker 2","startTime":1046.554,"endTime":1046.675,"body":"would"},{"speaker":"Speaker 2","startTime":1046.675,"endTime":1046.675,"body":" "},{"speaker":"Speaker 2","startTime":1046.695,"endTime":1046.855,"body":"say"},{"speaker":"Speaker 2","startTime":1046.855,"endTime":1046.855,"body":" "},{"speaker":"Speaker 2","startTime":1046.875,"endTime":1047.036,"body":"so"},{"speaker":"Speaker 2","startTime":1047.036,"endTime":1047.036,"body":" "},{"speaker":"Speaker 2","startTime":1047.056,"endTime":1047.257,"body":"yeah"},{"speaker":"Speaker 2","startTime":1047.257,"endTime":1047.257,"body":"."},{"speaker":"Speaker 2","startTime":1047.257,"endTime":1047.257,"body":" "},{"speaker":"Speaker 2","startTime":1047.257,"endTime":1047.257,"body":"\n"},{"speaker":"Speaker 1","startTime":1047.951,"endTime":1048.492,"body":"Eliminate"},{"speaker":"Speaker 1","startTime":1048.492,"endTime":1048.492,"body":" "},{"speaker":"Speaker 1","startTime":1049.835,"endTime":1049.935,"body":"you"},{"speaker":"Speaker 1","startTime":1049.935,"endTime":1049.935,"body":" "},{"speaker":"Speaker 1","startTime":1049.956,"endTime":1050.096,"body":"know"},{"speaker":"Speaker 1","startTime":1050.096,"endTime":1050.096,"body":","},{"speaker":"Speaker 1","startTime":1050.096,"endTime":1050.096,"body":" "},{"speaker":"Speaker 1","startTime":1050.397,"endTime":1051.319,"body":"non-highly"},{"speaker":"Speaker 1","startTime":1051.319,"endTime":1051.319,"body":" "},{"speaker":"Speaker 1","startTime":1051.379,"endTime":1051.639,"body":"rated"},{"speaker":"Speaker 1","startTime":1051.639,"endTime":1051.639,"body":" "},{"speaker":"Speaker 1","startTime":1051.74,"endTime":1052.14,"body":"ESG"},{"speaker":"Speaker 1","startTime":1052.14,"endTime":1052.14,"body":" "},{"speaker":"Speaker 1","startTime":1052.201,"endTime":1052.541,"body":"companies"},{"speaker":"Speaker 1","startTime":1052.541,"endTime":1052.541,"body":" "},{"speaker":"Speaker 1","startTime":1052.561,"endTime":1052.682,"body":"from"},{"speaker":"Speaker 1","startTime":1052.682,"endTime":1052.682,"body":" "},{"speaker":"Speaker 1","startTime":1052.702,"endTime":1052.822,"body":"your"},{"speaker":"Speaker 1","startTime":1052.822,"endTime":1052.822,"body":" "},{"speaker":"Speaker 1","startTime":1052.862,"endTime":1053.343,"body":"portfolio"},{"speaker":"Speaker 1","startTime":1053.343,"endTime":1053.343,"body":"."},{"speaker":"Speaker 1","startTime":1053.343,"endTime":1053.343,"body":" "},{"speaker":"Speaker 1","startTime":1053.45,"endTime":1053.571,"body":"This"},{"speaker":"Speaker 1","startTime":1053.571,"endTime":1053.571,"body":" "},{"speaker":"Speaker 1","startTime":1053.631,"endTime":1053.691,"body":"is"},{"speaker":"Speaker 1","startTime":1053.691,"endTime":1053.691,"body":" "},{"speaker":"Speaker 1","startTime":1053.751,"endTime":1053.892,"body":"how"},{"speaker":"Speaker 1","startTime":1053.892,"endTime":1053.892,"body":" "},{"speaker":"Speaker 1","startTime":1053.952,"endTime":1054.052,"body":"you"},{"speaker":"Speaker 1","startTime":1054.052,"endTime":1054.052,"body":" "},{"speaker":"Speaker 1","startTime":1054.092,"endTime":1054.313,"body":"would"},{"speaker":"Speaker 1","startTime":1054.313,"endTime":1054.313,"body":","},{"speaker":"Speaker 1","startTime":1054.313,"endTime":1054.313,"body":" "},{"speaker":"Speaker 1","startTime":1054.875,"endTime":1055.015,"body":"this"},{"speaker":"Speaker 1","startTime":1055.015,"endTime":1055.015,"body":" "},{"speaker":"Speaker 1","startTime":1055.076,"endTime":1055.136,"body":"is"},{"speaker":"Speaker 1","startTime":1055.136,"endTime":1055.136,"body":" "},{"speaker":"Speaker 1","startTime":1055.176,"endTime":1055.296,"body":"how"},{"speaker":"Speaker 1","startTime":1055.296,"endTime":1055.296,"body":" "},{"speaker":"Speaker 1","startTime":1055.357,"endTime":1055.517,"body":"you"},{"speaker":"Speaker 1","startTime":1055.517,"endTime":1055.517,"body":" "},{"speaker":"Speaker 1","startTime":1055.758,"endTime":1055.918,"body":"could"},{"speaker":"Speaker 1","startTime":1055.918,"endTime":1055.918,"body":" "},{"speaker":"Speaker 1","startTime":1055.938,"endTime":1056.059,"body":"do"},{"speaker":"Speaker 1","startTime":1056.059,"endTime":1056.059,"body":" "},{"speaker":"Speaker 1","startTime":1056.099,"endTime":1056.36,"body":"that"},{"speaker":"Speaker 1","startTime":1056.36,"endTime":1056.36,"body":"."},{"speaker":"Speaker 1","startTime":1056.36,"endTime":1056.36,"body":" "},{"speaker":"Speaker 1","startTime":1057.633,"endTime":1058.075,"body":"Typically"},{"speaker":"Speaker 1","startTime":1058.075,"endTime":1058.075,"body":","},{"speaker":"Speaker 1","startTime":1058.075,"endTime":1058.075,"body":" "},{"speaker":"Speaker 1","startTime":1058.095,"endTime":1058.155,"body":"I"},{"speaker":"Speaker 1","startTime":1058.155,"endTime":1058.155,"body":" "},{"speaker":"Speaker 1","startTime":1058.175,"endTime":1058.316,"body":"think"},{"speaker":"Speaker 1","startTime":1058.316,"endTime":1058.316,"body":","},{"speaker":"Speaker 1","startTime":1058.316,"endTime":1058.316,"body":" "},{"speaker":"Speaker 1","startTime":1058.336,"endTime":1058.536,"body":"people"},{"speaker":"Speaker 1","startTime":1058.536,"endTime":1058.536,"body":" "},{"speaker":"Speaker 1","startTime":1058.556,"endTime":1058.637,"body":"are"},{"speaker":"Speaker 1","startTime":1058.637,"endTime":1058.637,"body":" "},{"speaker":"Speaker 1","startTime":1058.677,"endTime":1058.857,"body":"trying"},{"speaker":"Speaker 1","startTime":1058.857,"endTime":1058.857,"body":" "},{"speaker":"Speaker 1","startTime":1058.897,"endTime":1058.958,"body":"to"},{"speaker":"Speaker 1","startTime":1058.958,"endTime":1058.958,"body":" "},{"speaker":"Speaker 1","startTime":1059.058,"endTime":1059.479,"body":"exclude"},{"speaker":"Speaker 1","startTime":1059.479,"endTime":1059.479,"body":" "},{"speaker":"Speaker 1","startTime":1059.519,"endTime":1059.84,"body":"things"},{"speaker":"Speaker 1","startTime":1059.84,"endTime":1059.84,"body":"."},{"speaker":"Speaker 1","startTime":1059.84,"endTime":1059.84,"body":" "},{"speaker":"Speaker 1","startTime":1061.174,"endTime":1061.294,"body":"What"},{"speaker":"Speaker 1","startTime":1061.294,"endTime":1061.294,"body":" "},{"speaker":"Speaker 1","startTime":1061.334,"endTime":1061.655,"body":"about"},{"speaker":"Speaker 1","startTime":1061.655,"endTime":1061.655,"body":","},{"speaker":"Speaker 1","startTime":1061.655,"endTime":1061.655,"body":" "},{"speaker":"Speaker 1","startTime":1061.716,"endTime":1061.776,"body":"you"},{"speaker":"Speaker 1","startTime":1061.776,"endTime":1061.776,"body":" "},{"speaker":"Speaker 1","startTime":1061.796,"endTime":1061.976,"body":"know"},{"speaker":"Speaker 1","startTime":1061.976,"endTime":1061.976,"body":"?"},{"speaker":"Speaker 1","startTime":1061.976,"endTime":1061.976,"body":" "},{"speaker":"Speaker 1","startTime":1061.997,"endTime":1062.157,"body":"Think"},{"speaker":"Speaker 1","startTime":1062.157,"endTime":1062.157,"body":" "},{"speaker":"Speaker 1","startTime":1062.177,"endTime":1062.338,"body":"about"},{"speaker":"Speaker 1","startTime":1062.338,"endTime":1062.338,"body":" "},{"speaker":"Speaker 1","startTime":1062.378,"endTime":1063.02,"body":"customization"},{"speaker":"Speaker 1","startTime":1063.02,"endTime":1063.02,"body":"."},{"speaker":"Speaker 1","startTime":1063.02,"endTime":1063.02,"body":" "},{"speaker":"Speaker 1","startTime":1063.691,"endTime":1063.772,"body":"You"},{"speaker":"Speaker 1","startTime":1063.772,"endTime":1063.772,"body":" "},{"speaker":"Speaker 1","startTime":1063.812,"endTime":1063.912,"body":"know"},{"speaker":"Speaker 1","startTime":1063.912,"endTime":1063.912,"body":" "},{"speaker":"Speaker 1","startTime":1063.972,"endTime":1064.112,"body":"why"},{"speaker":"Speaker 1","startTime":1064.112,"endTime":1064.112,"body":"?"},{"speaker":"Speaker 1","startTime":1064.112,"endTime":1064.112,"body":" "},{"speaker":"Speaker 1","startTime":1064.152,"endTime":1064.353,"body":"Couldn't"},{"speaker":"Speaker 1","startTime":1064.353,"endTime":1064.353,"body":" "},{"speaker":"Speaker 1","startTime":1064.373,"endTime":1064.453,"body":"you"},{"speaker":"Speaker 1","startTime":1064.453,"endTime":1064.453,"body":" "},{"speaker":"Speaker 1","startTime":1064.493,"endTime":1064.613,"body":"do"},{"speaker":"Speaker 1","startTime":1064.613,"endTime":1064.613,"body":" "},{"speaker":"Speaker 1","startTime":1064.674,"endTime":1064.994,"body":"something"},{"speaker":"Speaker 1","startTime":1064.994,"endTime":1064.994,"body":" "},{"speaker":"Speaker 1","startTime":1065.095,"endTime":1065.415,"body":"that"},{"speaker":"Speaker 1","startTime":1065.415,"endTime":1065.415,"body":","},{"speaker":"Speaker 1","startTime":1065.415,"endTime":1065.415,"body":" "},{"speaker":"Speaker 1","startTime":1065.836,"endTime":1066.037,"body":"instead"},{"speaker":"Speaker 1","startTime":1066.037,"endTime":1066.037,"body":" "},{"speaker":"Speaker 1","startTime":1066.057,"endTime":1066.097,"body":"of"},{"speaker":"Speaker 1","startTime":1066.097,"endTime":1066.097,"body":" "},{"speaker":"Speaker 1","startTime":1066.157,"endTime":1066.839,"body":"excluding"},{"speaker":"Speaker 1","startTime":1066.839,"endTime":1066.839,"body":","},{"speaker":"Speaker 1","startTime":1066.839,"endTime":1066.839,"body":" "},{"speaker":"Speaker 1","startTime":1067.32,"endTime":1067.46,"body":"you"},{"speaker":"Speaker 1","startTime":1067.46,"endTime":1067.46,"body":" "},{"speaker":"Speaker 1","startTime":1067.48,"endTime":1067.781,"body":"would"},{"speaker":"Speaker 1","startTime":1067.781,"endTime":1067.781,"body":"?"},{"speaker":"Speaker 1","startTime":1067.781,"endTime":1067.781,"body":" "},{"speaker":"Speaker 1","startTime":1068.061,"endTime":1068.422,"body":"Overweight"},{"speaker":"Speaker 1","startTime":1068.422,"endTime":1068.422,"body":","},{"speaker":"Speaker 1","startTime":1068.422,"endTime":1068.422,"body":" "},{"speaker":"Speaker 1","startTime":1068.95,"endTime":1069.252,"body":"yeah"},{"speaker":"Speaker 1","startTime":1069.252,"endTime":1069.252,"body":","},{"speaker":"Speaker 1","startTime":1069.252,"endTime":1069.252,"body":" "},{"speaker":"Speaker 1","startTime":1069.332,"endTime":1069.774,"body":"overweight"},{"speaker":"Speaker 1","startTime":1069.774,"endTime":1069.774,"body":","},{"speaker":"Speaker 1","startTime":1069.774,"endTime":1069.774,"body":" "},{"speaker":"Speaker 1","startTime":1069.855,"endTime":1070.056,"body":"right"},{"speaker":"Speaker 1","startTime":1070.056,"endTime":1070.056,"body":"."},{"speaker":"Speaker 1","startTime":1070.056,"endTime":1070.056,"body":" "},{"speaker":"Speaker 1","startTime":1070.056,"endTime":1070.056,"body":"\n"},{"speaker":"Speaker 3","startTime":1070.973,"endTime":1071.134,"body":"Like"},{"speaker":"Speaker 3","startTime":1071.134,"endTime":1071.134,"body":","},{"speaker":"Speaker 3","startTime":1071.134,"endTime":1071.134,"body":" "},{"speaker":"Speaker 3","startTime":1071.154,"endTime":1071.174,"body":"I"},{"speaker":"Speaker 3","startTime":1071.174,"endTime":1071.174,"body":" "},{"speaker":"Speaker 3","startTime":1071.194,"endTime":1071.334,"body":"want"},{"speaker":"Speaker 3","startTime":1071.334,"endTime":1071.334,"body":" "},{"speaker":"Speaker 3","startTime":1071.354,"endTime":1071.395,"body":"to"},{"speaker":"Speaker 3","startTime":1071.395,"endTime":1071.395,"body":" "},{"speaker":"Speaker 3","startTime":1071.435,"endTime":1071.736,"body":"overweight"},{"speaker":"Speaker 3","startTime":1071.736,"endTime":1071.736,"body":" "},{"speaker":"Speaker 3","startTime":1071.756,"endTime":1072.358,"body":"technology"},{"speaker":"Speaker 3","startTime":1072.358,"endTime":1072.358,"body":","},{"speaker":"Speaker 3","startTime":1072.358,"endTime":1072.358,"body":" "},{"speaker":"Speaker 3","startTime":1072.438,"endTime":1072.498,"body":"or"},{"speaker":"Speaker 3","startTime":1072.498,"endTime":1072.498,"body":" "},{"speaker":"Speaker 3","startTime":1072.518,"endTime":1072.538,"body":"I"},{"speaker":"Speaker 3","startTime":1072.538,"endTime":1072.538,"body":" "},{"speaker":"Speaker 3","startTime":1072.599,"endTime":1072.699,"body":"want"},{"speaker":"Speaker 3","startTime":1072.699,"endTime":1072.699,"body":" "},{"speaker":"Speaker 3","startTime":1072.719,"endTime":1072.839,"body":"to"},{"speaker":"Speaker 3","startTime":1072.839,"endTime":1072.839,"body":"."},{"speaker":"Speaker 3","startTime":1072.839,"endTime":1072.839,"body":" "},{"speaker":"Speaker 3","startTime":1072.839,"endTime":1072.839,"body":"\n"},{"speaker":"Speaker 1","startTime":1073.02,"endTime":1073.08,"body":"You"},{"speaker":"Speaker 1","startTime":1073.08,"endTime":1073.08,"body":" "},{"speaker":"Speaker 1","startTime":1073.121,"endTime":1073.261,"body":"know"},{"speaker":"Speaker 1","startTime":1073.261,"endTime":1073.261,"body":","},{"speaker":"Speaker 1","startTime":1073.261,"endTime":1073.261,"body":" "},{"speaker":"Speaker 1","startTime":1073.381,"endTime":1073.843,"body":"overweight"},{"speaker":"Speaker 1","startTime":1073.843,"endTime":1073.843,"body":","},{"speaker":"Speaker 1","startTime":1073.843,"endTime":1073.843,"body":" "},{"speaker":"Speaker 1","startTime":1073.923,"endTime":1075.067,"body":"that"},{"speaker":"Speaker 1","startTime":1075.067,"endTime":1075.067,"body":" "},{"speaker":"Speaker 1","startTime":1075.147,"endTime":1075.228,"body":"is"},{"speaker":"Speaker 1","startTime":1075.228,"endTime":1075.228,"body":" "},{"speaker":"Speaker 1","startTime":1075.448,"endTime":1075.669,"body":"yeah"},{"speaker":"Speaker 1","startTime":1075.669,"endTime":1075.669,"body":","},{"speaker":"Speaker 1","startTime":1075.669,"endTime":1075.669,"body":" "},{"speaker":"Speaker 1","startTime":1075.689,"endTime":1075.79,"body":"that"},{"speaker":"Speaker 1","startTime":1075.79,"endTime":1075.79,"body":" "},{"speaker":"Speaker 1","startTime":1075.81,"endTime":1075.87,"body":"is"},{"speaker":"Speaker 1","startTime":1075.87,"endTime":1075.87,"body":" "},{"speaker":"Speaker 1","startTime":1075.89,"endTime":1076.191,"body":"cocumber"},{"speaker":"Speaker 1","startTime":1076.191,"endTime":1076.191,"body":" "},{"speaker":"Speaker 1","startTime":1076.211,"endTime":1076.673,"body":"staples"},{"speaker":"Speaker 1","startTime":1076.673,"endTime":1076.673,"body":","},{"speaker":"Speaker 1","startTime":1076.673,"endTime":1076.673,"body":" "},{"speaker":"Speaker 1","startTime":1076.753,"endTime":1076.814,"body":"or"},{"speaker":"Speaker 1","startTime":1076.814,"endTime":1076.814,"body":" "},{"speaker":"Speaker 1","startTime":1076.854,"endTime":1077.095,"body":"something"},{"speaker":"Speaker 1","startTime":1077.095,"endTime":1077.095,"body":" "},{"speaker":"Speaker 1","startTime":1077.135,"endTime":1077.256,"body":"like"},{"speaker":"Speaker 1","startTime":1077.256,"endTime":1077.256,"body":" "},{"speaker":"Speaker 1","startTime":1077.296,"endTime":1077.537,"body":"that"},{"speaker":"Speaker 1","startTime":1077.537,"endTime":1077.537,"body":"."},{"speaker":"Speaker 1","startTime":1077.537,"endTime":1077.537,"body":" "},{"speaker":"Speaker 1","startTime":1077.537,"endTime":1077.537,"body":"\n"},{"speaker":"Speaker 2","startTime":1077.637,"endTime":1077.838,"body":"right"},{"speaker":"Speaker 2","startTime":1077.838,"endTime":1077.838,"body":","},{"speaker":"Speaker 2","startTime":1077.838,"endTime":1077.838,"body":" "},{"speaker":"Speaker 2","startTime":1078.252,"endTime":1078.372,"body":"that"},{"speaker":"Speaker 2","startTime":1078.372,"endTime":1078.372,"body":" "},{"speaker":"Speaker 2","startTime":1078.412,"endTime":1078.492,"body":"is"},{"speaker":"Speaker 2","startTime":1078.492,"endTime":1078.492,"body":" "},{"speaker":"Speaker 2","startTime":1078.513,"endTime":1078.553,"body":"a"},{"speaker":"Speaker 2","startTime":1078.553,"endTime":1078.553,"body":" "},{"speaker":"Speaker 2","startTime":1078.573,"endTime":1078.713,"body":"good"},{"speaker":"Speaker 2","startTime":1078.713,"endTime":1078.713,"body":" "},{"speaker":"Speaker 2","startTime":1078.753,"endTime":1079.155,"body":"question"},{"speaker":"Speaker 2","startTime":1079.155,"endTime":1079.155,"body":"."},{"speaker":"Speaker 2","startTime":1079.155,"endTime":1079.155,"body":" "},{"speaker":"Speaker 2","startTime":1080.252,"endTime":1080.433,"body":"Yeah"},{"speaker":"Speaker 2","startTime":1080.433,"endTime":1080.433,"body":","},{"speaker":"Speaker 2","startTime":1080.433,"endTime":1080.433,"body":" "},{"speaker":"Speaker 2","startTime":1080.473,"endTime":1080.614,"body":"from"},{"speaker":"Speaker 2","startTime":1080.614,"endTime":1080.614,"body":" "},{"speaker":"Speaker 2","startTime":1080.674,"endTime":1080.835,"body":"what"},{"speaker":"Speaker 2","startTime":1080.835,"endTime":1080.835,"body":" "},{"speaker":"Speaker 2","startTime":1080.915,"endTime":1081.076,"body":"I've"},{"speaker":"Speaker 2","startTime":1081.076,"endTime":1081.076,"body":" "},{"speaker":"Speaker 2","startTime":1081.116,"endTime":1081.317,"body":"seen"},{"speaker":"Speaker 2","startTime":1081.317,"endTime":1081.317,"body":","},{"speaker":"Speaker 2","startTime":1081.317,"endTime":1081.317,"body":" "},{"speaker":"Speaker 2","startTime":1081.378,"endTime":1081.498,"body":"it's"},{"speaker":"Speaker 2","startTime":1081.498,"endTime":1081.498,"body":" "},{"speaker":"Speaker 2","startTime":1081.558,"endTime":1082.001,"body":"mostly"},{"speaker":"Speaker 2","startTime":1082.001,"endTime":1082.001,"body":" "},{"speaker":"Speaker 2","startTime":1082.101,"endTime":1082.845,"body":"exclusionary"},{"speaker":"Speaker 2","startTime":1082.845,"endTime":1082.845,"body":" "},{"speaker":"Speaker 2","startTime":1083.408,"endTime":1083.85,"body":"parameters"},{"speaker":"Speaker 2","startTime":1083.85,"endTime":1083.85,"body":"."},{"speaker":"Speaker 2","startTime":1083.85,"endTime":1083.85,"body":" "},{"speaker":"Speaker 2","startTime":1085.213,"endTime":1085.313,"body":"But"},{"speaker":"Speaker 2","startTime":1085.313,"endTime":1085.313,"body":" "},{"speaker":"Speaker 2","startTime":1085.333,"endTime":1085.573,"body":"yeah"},{"speaker":"Speaker 2","startTime":1085.573,"endTime":1085.573,"body":","},{"speaker":"Speaker 2","startTime":1085.573,"endTime":1085.573,"body":" "},{"speaker":"Speaker 2","startTime":1085.653,"endTime":1085.693,"body":"I"},{"speaker":"Speaker 2","startTime":1085.693,"endTime":1085.693,"body":" "},{"speaker":"Speaker 2","startTime":1085.734,"endTime":1085.894,"body":"guess"},{"speaker":"Speaker 2","startTime":1085.894,"endTime":1085.894,"body":" "},{"speaker":"Speaker 2","startTime":1085.934,"endTime":1086.054,"body":"you"},{"speaker":"Speaker 2","startTime":1086.054,"endTime":1086.054,"body":" "},{"speaker":"Speaker 2","startTime":1086.114,"endTime":1086.555,"body":"technically"},{"speaker":"Speaker 2","startTime":1086.555,"endTime":1086.555,"body":" "},{"speaker":"Speaker 2","startTime":1086.615,"endTime":1087.016,"body":"could"},{"speaker":"Speaker 2","startTime":1087.016,"endTime":1087.016,"body":","},{"speaker":"Speaker 2","startTime":1087.016,"endTime":1087.016,"body":" "},{"speaker":"Speaker 2","startTime":1087.797,"endTime":1088.118,"body":"depending"},{"speaker":"Speaker 2","startTime":1088.118,"endTime":1088.118,"body":" "},{"speaker":"Speaker 2","startTime":1088.138,"endTime":1088.198,"body":"on"},{"speaker":"Speaker 2","startTime":1088.198,"endTime":1088.198,"body":" "},{"speaker":"Speaker 2","startTime":1088.218,"endTime":1088.298,"body":"the"},{"speaker":"Speaker 2","startTime":1088.298,"endTime":1088.298,"body":" "},{"speaker":"Speaker 2","startTime":1088.338,"endTime":1088.96,"body":"provider's"},{"speaker":"Speaker 2","startTime":1088.96,"endTime":1088.96,"body":" "},{"speaker":"Speaker 2","startTime":1089.601,"endTime":1090.022,"body":"offering"},{"speaker":"Speaker 2","startTime":1090.022,"endTime":1090.022,"body":","},{"speaker":"Speaker 2","startTime":1090.022,"endTime":1090.022,"body":" "},{"speaker":"Speaker 2","startTime":1090.162,"endTime":1090.302,"body":"you"},{"speaker":"Speaker 2","startTime":1090.302,"endTime":1090.302,"body":" "},{"speaker":"Speaker 2","startTime":1090.322,"endTime":1090.442,"body":"could"},{"speaker":"Speaker 2","startTime":1090.442,"endTime":1090.442,"body":" "},{"speaker":"Speaker 2","startTime":1090.643,"endTime":1091.043,"body":"probably"},{"speaker":"Speaker 2","startTime":1091.043,"endTime":1091.043,"body":" "},{"speaker":"Speaker 2","startTime":1091.671,"endTime":1092.073,"body":"overweight"},{"speaker":"Speaker 2","startTime":1092.073,"endTime":1092.073,"body":","},{"speaker":"Speaker 2","startTime":1092.073,"endTime":1092.073,"body":" "},{"speaker":"Speaker 2","startTime":1092.113,"endTime":1092.193,"body":"as"},{"speaker":"Speaker 2","startTime":1092.193,"endTime":1092.193,"body":" "},{"speaker":"Speaker 2","startTime":1092.233,"endTime":1092.394,"body":"long"},{"speaker":"Speaker 2","startTime":1092.394,"endTime":1092.394,"body":" "},{"speaker":"Speaker 2","startTime":1092.434,"endTime":1092.514,"body":"as"},{"speaker":"Speaker 2","startTime":1092.514,"endTime":1092.514,"body":" "},{"speaker":"Speaker 2","startTime":1092.575,"endTime":1092.695,"body":"it's"},{"speaker":"Speaker 2","startTime":1092.695,"endTime":1092.695,"body":" "},{"speaker":"Speaker 2","startTime":1092.735,"endTime":1093.057,"body":"within"},{"speaker":"Speaker 2","startTime":1093.057,"endTime":1093.057,"body":" "},{"speaker":"Speaker 2","startTime":1093.097,"endTime":1093.338,"body":"that"},{"speaker":"Speaker 2","startTime":1093.338,"endTime":1093.338,"body":" "},{"speaker":"Speaker 2","startTime":1093.478,"endTime":1093.739,"body":"track"},{"speaker":"Speaker 2","startTime":1093.739,"endTime":1093.739,"body":" "},{"speaker":"Speaker 2","startTime":1093.759,"endTime":1093.84,"body":"and"},{"speaker":"Speaker 2","startTime":1093.84,"endTime":1093.84,"body":" "},{"speaker":"Speaker 2","startTime":1093.9,"endTime":1094.121,"body":"error"},{"speaker":"Speaker 2","startTime":1094.121,"endTime":1094.121,"body":" "},{"speaker":"Speaker 2","startTime":1094.181,"endTime":1094.583,"body":"range"},{"speaker":"Speaker 2","startTime":1094.583,"endTime":1094.583,"body":","},{"speaker":"Speaker 2","startTime":1094.583,"endTime":1094.583,"body":" "},{"speaker":"Speaker 2","startTime":1094.884,"endTime":1095.165,"body":"to"},{"speaker":"Speaker 2","startTime":1095.165,"endTime":1095.165,"body":" "},{"speaker":"Speaker 2","startTime":1095.306,"endTime":1095.447,"body":"where"},{"speaker":"Speaker 2","startTime":1095.447,"endTime":1095.447,"body":" "},{"speaker":"Speaker 2","startTime":1095.467,"endTime":1095.547,"body":"it'd"},{"speaker":"Speaker 2","startTime":1095.547,"endTime":1095.547,"body":" "},{"speaker":"Speaker 2","startTime":1095.607,"endTime":1095.788,"body":"be"},{"speaker":"Speaker 2","startTime":1095.788,"endTime":1095.788,"body":" "},{"speaker":"Speaker 2","startTime":1095.808,"endTime":1095.848,"body":"an"},{"speaker":"Speaker 2","startTime":1095.848,"endTime":1095.848,"body":" "},{"speaker":"Speaker 2","startTime":1095.888,"endTime":1096.27,"body":"acceptable"},{"speaker":"Speaker 2","startTime":1096.27,"endTime":1096.27,"body":" "},{"speaker":"Speaker 2","startTime":1096.41,"endTime":1096.772,"body":"range"},{"speaker":"Speaker 2","startTime":1096.772,"endTime":1096.772,"body":" "},{"speaker":"Speaker 2","startTime":1097.093,"endTime":1097.193,"body":"to"},{"speaker":"Speaker 2","startTime":1097.193,"endTime":1097.193,"body":" "},{"speaker":"Speaker 2","startTime":1097.233,"endTime":1097.414,"body":"track"},{"speaker":"Speaker 2","startTime":1097.414,"endTime":1097.414,"body":" "},{"speaker":"Speaker 2","startTime":1097.434,"endTime":1097.554,"body":"that"},{"speaker":"Speaker 2","startTime":1097.554,"endTime":1097.554,"body":" "},{"speaker":"Speaker 2","startTime":1097.614,"endTime":1097.936,"body":"index"},{"speaker":"Speaker 2","startTime":1097.936,"endTime":1097.936,"body":"."},{"speaker":"Speaker 2","startTime":1097.936,"endTime":1097.936,"body":" "},{"speaker":"Speaker 2","startTime":1098.176,"endTime":1098.377,"body":"Yeah"},{"speaker":"Speaker 2","startTime":1098.377,"endTime":1098.377,"body":","},{"speaker":"Speaker 2","startTime":1098.377,"endTime":1098.377,"body":" "},{"speaker":"Speaker 2","startTime":1099.711,"endTime":1099.931,"body":"Okay"},{"speaker":"Speaker 2","startTime":1099.931,"endTime":1099.931,"body":"."},{"speaker":"Speaker 2","startTime":1099.931,"endTime":1099.931,"body":" "},{"speaker":"Speaker 2","startTime":1099.931,"endTime":1099.931,"body":"\n"},{"speaker":"Speaker 1","startTime":1100.052,"endTime":1100.192,"body":"So"},{"speaker":"Speaker 1","startTime":1100.192,"endTime":1100.192,"body":" "},{"speaker":"Speaker 1","startTime":1100.432,"endTime":1100.533,"body":"when"},{"speaker":"Speaker 1","startTime":1100.533,"endTime":1100.533,"body":" "},{"speaker":"Speaker 1","startTime":1100.573,"endTime":1100.653,"body":"you"},{"speaker":"Speaker 1","startTime":1100.653,"endTime":1100.653,"body":" "},{"speaker":"Speaker 1","startTime":1100.673,"endTime":1100.833,"body":"think"},{"speaker":"Speaker 1","startTime":1100.833,"endTime":1100.833,"body":" "},{"speaker":"Speaker 1","startTime":1100.873,"endTime":1101.154,"body":"about"},{"speaker":"Speaker 1","startTime":1101.154,"endTime":1101.154,"body":" "},{"speaker":"Speaker 1","startTime":1101.214,"endTime":1101.294,"body":"how"},{"speaker":"Speaker 1","startTime":1101.294,"endTime":1101.294,"body":" "},{"speaker":"Speaker 1","startTime":1101.414,"endTime":1101.474,"body":"you"},{"speaker":"Speaker 1","startTime":1101.474,"endTime":1101.474,"body":" "},{"speaker":"Speaker 1","startTime":1101.655,"endTime":1102.096,"body":"execute"},{"speaker":"Speaker 1","startTime":1102.096,"endTime":1102.096,"body":" "},{"speaker":"Speaker 1","startTime":1102.156,"endTime":1102.276,"body":"all"},{"speaker":"Speaker 1","startTime":1102.276,"endTime":1102.276,"body":" "},{"speaker":"Speaker 1","startTime":1102.316,"endTime":1102.537,"body":"this"},{"speaker":"Speaker 1","startTime":1102.537,"endTime":1102.537,"body":" "},{"speaker":"Speaker 1","startTime":1103.539,"endTime":1103.599,"body":"in"},{"speaker":"Speaker 1","startTime":1103.599,"endTime":1103.599,"body":" "},{"speaker":"Speaker 1","startTime":1103.639,"endTime":1103.679,"body":"an"},{"speaker":"Speaker 1","startTime":1103.679,"endTime":1103.679,"body":" "},{"speaker":"Speaker 1","startTime":1103.739,"endTime":1104.22,"body":"ETF"},{"speaker":"Speaker 1","startTime":1104.22,"endTime":1104.22,"body":","},{"speaker":"Speaker 1","startTime":1104.22,"endTime":1104.22,"body":" "},{"speaker":"Speaker 1","startTime":1104.26,"endTime":1104.36,"body":"you"},{"speaker":"Speaker 1","startTime":1104.36,"endTime":1104.36,"body":" "},{"speaker":"Speaker 1","startTime":1104.4,"endTime":1104.601,"body":"buy"},{"speaker":"Speaker 1","startTime":1104.601,"endTime":1104.601,"body":" "},{"speaker":"Speaker 1","startTime":1104.701,"endTime":1104.761,"body":"it"},{"speaker":"Speaker 1","startTime":1104.761,"endTime":1104.761,"body":" "},{"speaker":"Speaker 1","startTime":1105.002,"endTime":1105.102,"body":"and"},{"speaker":"Speaker 1","startTime":1105.102,"endTime":1105.102,"body":" "},{"speaker":"Speaker 1","startTime":1105.763,"endTime":1105.863,"body":"you"},{"speaker":"Speaker 1","startTime":1105.863,"endTime":1105.863,"body":" "},{"speaker":"Speaker 1","startTime":1105.883,"endTime":1105.984,"body":"know"},{"speaker":"Speaker 1","startTime":1105.984,"endTime":1105.984,"body":" "},{"speaker":"Speaker 1","startTime":1106.09,"endTime":1106.13,"body":"we"},{"speaker":"Speaker 1","startTime":1106.13,"endTime":1106.13,"body":" "},{"speaker":"Speaker 1","startTime":1106.15,"endTime":1106.291,"body":"look"},{"speaker":"Speaker 1","startTime":1106.291,"endTime":1106.291,"body":" "},{"speaker":"Speaker 1","startTime":1106.331,"endTime":1106.392,"body":"at"},{"speaker":"Speaker 1","startTime":1106.392,"endTime":1106.392,"body":" "},{"speaker":"Speaker 1","startTime":1106.432,"endTime":1106.472,"body":"it"},{"speaker":"Speaker 1","startTime":1106.472,"endTime":1106.472,"body":" "},{"speaker":"Speaker 1","startTime":1106.553,"endTime":1106.653,"body":"once"},{"speaker":"Speaker 1","startTime":1106.653,"endTime":1106.653,"body":" "},{"speaker":"Speaker 1","startTime":1106.693,"endTime":1106.714,"body":"a"},{"speaker":"Speaker 1","startTime":1106.714,"endTime":1106.714,"body":" "},{"speaker":"Speaker 1","startTime":1106.754,"endTime":1106.955,"body":"week"},{"speaker":"Speaker 1","startTime":1106.955,"endTime":1106.955,"body":" "},{"speaker":"Speaker 1","startTime":1107.035,"endTime":1107.136,"body":"and"},{"speaker":"Speaker 1","startTime":1107.136,"endTime":1107.136,"body":" "},{"speaker":"Speaker 1","startTime":1107.176,"endTime":1107.297,"body":"make"},{"speaker":"Speaker 1","startTime":1107.297,"endTime":1107.297,"body":" "},{"speaker":"Speaker 1","startTime":1107.317,"endTime":1107.417,"body":"sure"},{"speaker":"Speaker 1","startTime":1107.417,"endTime":1107.417,"body":" "},{"speaker":"Speaker 1","startTime":1107.438,"endTime":1108.162,"body":"everything's"},{"speaker":"Speaker 1","startTime":1108.162,"endTime":1108.162,"body":" "},{"speaker":"Speaker 1","startTime":1108.202,"endTime":1108.584,"body":"performing"},{"speaker":"Speaker 1","startTime":1108.584,"endTime":1108.584,"body":" "},{"speaker":"Speaker 1","startTime":1108.604,"endTime":1108.664,"body":"the"},{"speaker":"Speaker 1","startTime":1108.664,"endTime":1108.664,"body":" "},{"speaker":"Speaker 1","startTime":1108.685,"endTime":1108.765,"body":"way"},{"speaker":"Speaker 1","startTime":1108.765,"endTime":1108.765,"body":" "},{"speaker":"Speaker 1","startTime":1108.805,"endTime":1108.906,"body":"it's"},{"speaker":"Speaker 1","startTime":1108.906,"endTime":1108.906,"body":" "},{"speaker":"Speaker 1","startTime":1108.926,"endTime":1109.227,"body":"supposed"},{"speaker":"Speaker 1","startTime":1109.227,"endTime":1109.227,"body":" "},{"speaker":"Speaker 1","startTime":1109.248,"endTime":1109.388,"body":"to"},{"speaker":"Speaker 1","startTime":1109.388,"endTime":1109.388,"body":"."},{"speaker":"Speaker 1","startTime":1109.388,"endTime":1109.388,"body":" "},{"speaker":"Speaker 1","startTime":1109.429,"endTime":1109.65,"body":"Versus"},{"speaker":"Speaker 1","startTime":1109.65,"endTime":1109.65,"body":" "},{"speaker":"Speaker 1","startTime":1109.75,"endTime":1109.81,"body":"our"},{"speaker":"Speaker 1","startTime":1109.81,"endTime":1109.81,"body":" "},{"speaker":"Speaker 1","startTime":1109.85,"endTime":1110.311,"body":"benchmark"},{"speaker":"Speaker 1","startTime":1110.311,"endTime":1110.311,"body":","},{"speaker":"Speaker 1","startTime":1110.311,"endTime":1110.311,"body":" "},{"speaker":"Speaker 1","startTime":1110.712,"endTime":1110.993,"body":"how"},{"speaker":"Speaker 1","startTime":1110.993,"endTime":1110.993,"body":" "},{"speaker":"Speaker 1","startTime":1111.093,"endTime":1111.214,"body":"is"},{"speaker":"Speaker 1","startTime":1111.214,"endTime":1111.214,"body":" "},{"speaker":"Speaker 1","startTime":1112.356,"endTime":1113.499,"body":"customization"},{"speaker":"Speaker 1","startTime":1113.499,"endTime":1113.499,"body":" "},{"speaker":"Speaker 1","startTime":1113.519,"endTime":1113.559,"body":"of"},{"speaker":"Speaker 1","startTime":1113.559,"endTime":1113.559,"body":" "},{"speaker":"Speaker 1","startTime":1113.94,"endTime":1114.0,"body":"an"},{"speaker":"Speaker 1","startTime":1114.0,"endTime":1114.0,"body":" "},{"speaker":"Speaker 1","startTime":1114.06,"endTime":1114.461,"body":"index"},{"speaker":"Speaker 1","startTime":1114.461,"endTime":1114.461,"body":" "},{"speaker":"Speaker 1","startTime":1114.582,"endTime":1114.963,"body":"different"},{"speaker":"Speaker 1","startTime":1114.963,"endTime":1114.963,"body":"?"},{"speaker":"Speaker 1","startTime":1114.963,"endTime":1114.963,"body":" "},{"speaker":"Speaker 1","startTime":1116.052,"endTime":1116.072,"body":"I"},{"speaker":"Speaker 1","startTime":1116.072,"endTime":1116.072,"body":" "},{"speaker":"Speaker 1","startTime":1116.092,"endTime":1116.292,"body":"mean"},{"speaker":"Speaker 1","startTime":1116.292,"endTime":1116.292,"body":","},{"speaker":"Speaker 1","startTime":1116.292,"endTime":1116.292,"body":" "},{"speaker":"Speaker 1","startTime":1116.312,"endTime":1116.392,"body":"to"},{"speaker":"Speaker 1","startTime":1116.392,"endTime":1116.392,"body":" "},{"speaker":"Speaker 1","startTime":1116.432,"endTime":1116.533,"body":"me"},{"speaker":"Speaker 1","startTime":1116.533,"endTime":1116.533,"body":" "},{"speaker":"Speaker 1","startTime":1116.553,"endTime":1116.693,"body":"you'd"},{"speaker":"Speaker 1","startTime":1116.693,"endTime":1116.693,"body":" "},{"speaker":"Speaker 1","startTime":1116.713,"endTime":1116.813,"body":"have"},{"speaker":"Speaker 1","startTime":1116.813,"endTime":1116.813,"body":" "},{"speaker":"Speaker 1","startTime":1116.833,"endTime":1116.893,"body":"to"},{"speaker":"Speaker 1","startTime":1116.893,"endTime":1116.893,"body":" "},{"speaker":"Speaker 1","startTime":1116.913,"endTime":1116.993,"body":"be"},{"speaker":"Speaker 1","startTime":1116.993,"endTime":1116.993,"body":" "},{"speaker":"Speaker 1","startTime":1117.033,"endTime":1117.534,"body":"monitoring"},{"speaker":"Speaker 1","startTime":1117.534,"endTime":1117.534,"body":" "},{"speaker":"Speaker 1","startTime":1117.635,"endTime":1117.715,"body":"it"},{"speaker":"Speaker 1","startTime":1117.715,"endTime":1117.715,"body":" "},{"speaker":"Speaker 1","startTime":1118.155,"endTime":1118.396,"body":"almost"},{"speaker":"Speaker 1","startTime":1118.396,"endTime":1118.396,"body":" "},{"speaker":"Speaker 1","startTime":1118.416,"endTime":1118.536,"body":"by"},{"speaker":"Speaker 1","startTime":1118.536,"endTime":1118.536,"body":" "},{"speaker":"Speaker 1","startTime":1118.556,"endTime":1118.636,"body":"the"},{"speaker":"Speaker 1","startTime":1118.636,"endTime":1118.636,"body":" "},{"speaker":"Speaker 1","startTime":1118.757,"endTime":1118.977,"body":"hour"},{"speaker":"Speaker 1","startTime":1118.977,"endTime":1118.977,"body":","},{"speaker":"Speaker 1","startTime":1118.977,"endTime":1118.977,"body":" "},{"speaker":"Speaker 1","startTime":1119.438,"endTime":1119.718,"body":"looking"},{"speaker":"Speaker 1","startTime":1119.718,"endTime":1119.718,"body":" "},{"speaker":"Speaker 1","startTime":1119.778,"endTime":1120.099,"body":"for"},{"speaker":"Speaker 1","startTime":1120.099,"endTime":1120.099,"body":" "},{"speaker":"Speaker 1","startTime":1120.72,"endTime":1121.001,"body":"tax"},{"speaker":"Speaker 1","startTime":1121.001,"endTime":1121.001,"body":" "},{"speaker":"Speaker 1","startTime":1121.041,"endTime":1121.341,"body":"loss"},{"speaker":"Speaker 1","startTime":1121.341,"endTime":1121.341,"body":" "},{"speaker":"Speaker 1","startTime":1121.421,"endTime":1121.982,"body":"opportunities"},{"speaker":"Speaker 1","startTime":1121.982,"endTime":1121.982,"body":"."},{"speaker":"Speaker 1","startTime":1121.982,"endTime":1121.982,"body":" "},{"speaker":"Speaker 1","startTime":1121.982,"endTime":1121.982,"body":"\n"},{"speaker":"Speaker 2","startTime":1122.804,"endTime":1122.944,"body":"Right"},{"speaker":"Speaker 2","startTime":1122.944,"endTime":1122.944,"body":","},{"speaker":"Speaker 2","startTime":1122.944,"endTime":1122.944,"body":" "},{"speaker":"Speaker 2","startTime":1123.27,"endTime":1123.35,"body":"and"},{"speaker":"Speaker 2","startTime":1123.35,"endTime":1123.35,"body":" "},{"speaker":"Speaker 2","startTime":1123.37,"endTime":1123.511,"body":"that's"},{"speaker":"Speaker 2","startTime":1123.511,"endTime":1123.511,"body":" "},{"speaker":"Speaker 2","startTime":1123.531,"endTime":1123.611,"body":"one"},{"speaker":"Speaker 2","startTime":1123.611,"endTime":1123.611,"body":" "},{"speaker":"Speaker 2","startTime":1123.651,"endTime":1123.952,"body":"thing"},{"speaker":"Speaker 2","startTime":1123.952,"endTime":1123.952,"body":" "},{"speaker":"Speaker 2","startTime":1124.313,"endTime":1124.393,"body":"you"},{"speaker":"Speaker 2","startTime":1124.393,"endTime":1124.393,"body":" "},{"speaker":"Speaker 2","startTime":1124.413,"endTime":1124.513,"body":"know"},{"speaker":"Speaker 2","startTime":1124.513,"endTime":1124.513,"body":"."},{"speaker":"Speaker 2","startTime":1124.513,"endTime":1124.513,"body":" "},{"speaker":"Speaker 2","startTime":1124.533,"endTime":1124.594,"body":"I'd"},{"speaker":"Speaker 2","startTime":1124.594,"endTime":1124.594,"body":" "},{"speaker":"Speaker 2","startTime":1124.614,"endTime":1124.794,"body":"say"},{"speaker":"Speaker 2","startTime":1124.794,"endTime":1124.794,"body":" "},{"speaker":"Speaker 2","startTime":1124.814,"endTime":1124.955,"body":"is"},{"speaker":"Speaker 2","startTime":1124.955,"endTime":1124.955,"body":" "},{"speaker":"Speaker 2","startTime":1124.975,"endTime":1125.215,"body":"another"},{"speaker":"Speaker 2","startTime":1125.215,"endTime":1125.215,"body":" "},{"speaker":"Speaker 2","startTime":1125.296,"endTime":1125.436,"body":"kind"},{"speaker":"Speaker 2","startTime":1125.436,"endTime":1125.436,"body":" "},{"speaker":"Speaker 2","startTime":1125.476,"endTime":1125.516,"body":"of"},{"speaker":"Speaker 2","startTime":1125.516,"endTime":1125.516,"body":" "},{"speaker":"Speaker 2","startTime":1125.576,"endTime":1125.797,"body":"side"},{"speaker":"Speaker 2","startTime":1125.797,"endTime":1125.797,"body":" "},{"speaker":"Speaker 2","startTime":1125.817,"endTime":1126.238,"body":"benefit"},{"speaker":"Speaker 2","startTime":1126.238,"endTime":1126.238,"body":" "},{"speaker":"Speaker 2","startTime":1126.399,"endTime":1126.519,"body":"is"},{"speaker":"Speaker 2","startTime":1126.519,"endTime":1126.519,"body":" "},{"speaker":"Speaker 2","startTime":1127.281,"endTime":1127.341,"body":"you"},{"speaker":"Speaker 2","startTime":1127.341,"endTime":1127.341,"body":" "},{"speaker":"Speaker 2","startTime":1127.361,"endTime":1127.441,"body":"know"},{"speaker":"Speaker 2","startTime":1127.441,"endTime":1127.441,"body":" "},{"speaker":"Speaker 2","startTime":1127.55,"endTime":1127.63,"body":"this"},{"speaker":"Speaker 2","startTime":1127.63,"endTime":1127.63,"body":" "},{"speaker":"Speaker 2","startTime":1127.65,"endTime":1128.092,"body":"strategy"},{"speaker":"Speaker 2","startTime":1128.092,"endTime":1128.092,"body":" "},{"speaker":"Speaker 2","startTime":1128.132,"endTime":1128.232,"body":"is"},{"speaker":"Speaker 2","startTime":1128.232,"endTime":1128.232,"body":" "},{"speaker":"Speaker 2","startTime":1128.613,"endTime":1129.075,"body":"professionally"},{"speaker":"Speaker 2","startTime":1129.075,"endTime":1129.075,"body":" "},{"speaker":"Speaker 2","startTime":1129.095,"endTime":1129.516,"body":"managed"},{"speaker":"Speaker 2","startTime":1129.516,"endTime":1129.516,"body":"."},{"speaker":"Speaker 2","startTime":1129.516,"endTime":1129.516,"body":" "},{"speaker":"Speaker 2","startTime":1129.677,"endTime":1129.737,"body":"You"},{"speaker":"Speaker 2","startTime":1129.737,"endTime":1129.737,"body":" "},{"speaker":"Speaker 2","startTime":1129.757,"endTime":1129.857,"body":"know"},{"speaker":"Speaker 2","startTime":1129.857,"endTime":1129.857,"body":" "},{"speaker":"Speaker 2","startTime":1129.877,"endTime":1129.978,"body":"they"},{"speaker":"Speaker 2","startTime":1129.978,"endTime":1129.978,"body":" "},{"speaker":"Speaker 2","startTime":1129.998,"endTime":1130.098,"body":"have"},{"speaker":"Speaker 2","startTime":1130.098,"endTime":1130.098,"body":" "},{"speaker":"Speaker 2","startTime":1130.118,"endTime":1130.158,"body":"a"},{"speaker":"Speaker 2","startTime":1130.158,"endTime":1130.158,"body":" "},{"speaker":"Speaker 2","startTime":1130.218,"endTime":1130.459,"body":"full"},{"speaker":"Speaker 2","startTime":1130.459,"endTime":1130.459,"body":" "},{"speaker":"Speaker 2","startTime":1130.499,"endTime":1130.9,"body":"team"},{"speaker":"Speaker 2","startTime":1130.9,"endTime":1130.9,"body":"."},{"speaker":"Speaker 2","startTime":1130.9,"endTime":1130.9,"body":" "},{"speaker":"Speaker 2","startTime":1131.392,"endTime":1131.452,"body":"You"},{"speaker":"Speaker 2","startTime":1131.452,"endTime":1131.452,"body":" "},{"speaker":"Speaker 2","startTime":1131.472,"endTime":1131.573,"body":"know"},{"speaker":"Speaker 2","startTime":1131.573,"endTime":1131.573,"body":" "},{"speaker":"Speaker 2","startTime":1131.593,"endTime":1131.693,"body":"for"},{"speaker":"Speaker 2","startTime":1131.693,"endTime":1131.693,"body":" "},{"speaker":"Speaker 2","startTime":1131.814,"endTime":1131.894,"body":"one"},{"speaker":"Speaker 2","startTime":1131.894,"endTime":1131.894,"body":" "},{"speaker":"Speaker 2","startTime":1131.954,"endTime":1132.075,"body":"it's"},{"speaker":"Speaker 2","startTime":1132.075,"endTime":1132.075,"body":" "},{"speaker":"Speaker 2","startTime":1132.396,"endTime":1132.698,"body":"driven"},{"speaker":"Speaker 2","startTime":1132.698,"endTime":1132.698,"body":" "},{"speaker":"Speaker 2","startTime":1132.919,"endTime":1133.019,"body":"the"},{"speaker":"Speaker 2","startTime":1133.019,"endTime":1133.019,"body":" "},{"speaker":"Speaker 2","startTime":1133.039,"endTime":1133.822,"body":"recommendations"},{"speaker":"Speaker 2","startTime":1133.822,"endTime":1133.822,"body":" "},{"speaker":"Speaker 2","startTime":1134.144,"endTime":1134.244,"body":"and"},{"speaker":"Speaker 2","startTime":1134.244,"endTime":1134.244,"body":" "},{"speaker":"Speaker 2","startTime":1134.264,"endTime":1134.325,"body":"the"},{"speaker":"Speaker 2","startTime":1134.325,"endTime":1134.325,"body":" "},{"speaker":"Speaker 2","startTime":1134.345,"endTime":1134.726,"body":"portfolio"},{"speaker":"Speaker 2","startTime":1134.726,"endTime":1134.726,"body":" "},{"speaker":"Speaker 2","startTime":1134.767,"endTime":1135.108,"body":"rebalance"},{"speaker":"Speaker 2","startTime":1135.108,"endTime":1135.108,"body":" "},{"speaker":"Speaker 2","startTime":1135.148,"endTime":1135.209,"body":"and"},{"speaker":"Speaker 2","startTime":1135.209,"endTime":1135.209,"body":" "},{"speaker":"Speaker 2","startTime":1135.269,"endTime":1135.329,"body":"is"},{"speaker":"Speaker 2","startTime":1135.329,"endTime":1135.329,"body":" "},{"speaker":"Speaker 2","startTime":1135.349,"endTime":1135.53,"body":"driven"},{"speaker":"Speaker 2","startTime":1135.53,"endTime":1135.53,"body":" "},{"speaker":"Speaker 2","startTime":1135.65,"endTime":1135.751,"body":"by"},{"speaker":"Speaker 2","startTime":1135.751,"endTime":1135.751,"body":" "},{"speaker":"Speaker 2","startTime":1135.791,"endTime":1135.871,"body":"the"},{"speaker":"Speaker 2","startTime":1135.871,"endTime":1135.871,"body":" "},{"speaker":"Speaker 2","startTime":1135.912,"endTime":1136.313,"body":"software"},{"speaker":"Speaker 2","startTime":1136.313,"endTime":1136.313,"body":" "},{"speaker":"Speaker 2","startTime":1136.333,"endTime":1136.855,"body":"technology"},{"speaker":"Speaker 2","startTime":1136.855,"endTime":1136.855,"body":"."},{"speaker":"Speaker 2","startTime":1136.855,"endTime":1136.855,"body":" "},{"speaker":"Speaker 2","startTime":1137.37,"endTime":1137.51,"body":"But"},{"speaker":"Speaker 2","startTime":1137.51,"endTime":1137.51,"body":" "},{"speaker":"Speaker 2","startTime":1137.53,"endTime":1137.671,"body":"then"},{"speaker":"Speaker 2","startTime":1137.671,"endTime":1137.671,"body":" "},{"speaker":"Speaker 2","startTime":1137.731,"endTime":1137.911,"body":"there's"},{"speaker":"Speaker 2","startTime":1137.911,"endTime":1137.911,"body":" "},{"speaker":"Speaker 2","startTime":1137.932,"endTime":1137.972,"body":"a"},{"speaker":"Speaker 2","startTime":1137.972,"endTime":1137.972,"body":" "},{"speaker":"Speaker 2","startTime":1138.012,"endTime":1138.172,"body":"team"},{"speaker":"Speaker 2","startTime":1138.172,"endTime":1138.172,"body":" "},{"speaker":"Speaker 2","startTime":1138.192,"endTime":1138.252,"body":"of"},{"speaker":"Speaker 2","startTime":1138.252,"endTime":1138.252,"body":" "},{"speaker":"Speaker 2","startTime":1138.292,"endTime":1138.754,"body":"portfolio"},{"speaker":"Speaker 2","startTime":1138.754,"endTime":1138.754,"body":" "},{"speaker":"Speaker 2","startTime":1138.774,"endTime":1139.215,"body":"managers"},{"speaker":"Speaker 2","startTime":1139.215,"endTime":1139.215,"body":" "},{"speaker":"Speaker 2","startTime":1139.255,"endTime":1139.375,"body":"that"},{"speaker":"Speaker 2","startTime":1139.375,"endTime":1139.375,"body":" "},{"speaker":"Speaker 2","startTime":1139.415,"endTime":1139.516,"body":"are"},{"speaker":"Speaker 2","startTime":1139.516,"endTime":1139.516,"body":" "},{"speaker":"Speaker 2","startTime":1139.576,"endTime":1140.017,"body":"analyzing"},{"speaker":"Speaker 2","startTime":1140.017,"endTime":1140.017,"body":" "},{"speaker":"Speaker 2","startTime":1140.037,"endTime":1140.197,"body":"this"},{"speaker":"Speaker 2","startTime":1140.197,"endTime":1140.197,"body":" "},{"speaker":"Speaker 2","startTime":1140.318,"endTime":1140.358,"body":"on"},{"speaker":"Speaker 2","startTime":1140.358,"endTime":1140.358,"body":" "},{"speaker":"Speaker 2","startTime":1140.418,"endTime":1140.458,"body":"a"},{"speaker":"Speaker 2","startTime":1140.458,"endTime":1140.458,"body":" "},{"speaker":"Speaker 2","startTime":1140.498,"endTime":1140.759,"body":"daily"},{"speaker":"Speaker 2","startTime":1140.759,"endTime":1140.759,"body":" "},{"speaker":"Speaker 2","startTime":1140.799,"endTime":1141.2,"body":"basis"},{"speaker":"Speaker 2","startTime":1141.2,"endTime":1141.2,"body":" "},{"speaker":"Speaker 2","startTime":1141.99,"endTime":1142.05,"body":"and"},{"speaker":"Speaker 2","startTime":1142.05,"endTime":1142.05,"body":" "},{"speaker":"Speaker 2","startTime":1142.09,"endTime":1142.211,"body":"you"},{"speaker":"Speaker 2","startTime":1142.211,"endTime":1142.211,"body":" "},{"speaker":"Speaker 2","startTime":1142.231,"endTime":1142.371,"body":"know"},{"speaker":"Speaker 2","startTime":1142.371,"endTime":1142.371,"body":" "},{"speaker":"Speaker 2","startTime":1142.391,"endTime":1142.591,"body":"whether"},{"speaker":"Speaker 2","startTime":1142.591,"endTime":1142.591,"body":" "},{"speaker":"Speaker 2","startTime":1142.611,"endTime":1142.792,"body":"they're"},{"speaker":"Speaker 2","startTime":1142.792,"endTime":1142.792,"body":" "},{"speaker":"Speaker 2","startTime":1142.812,"endTime":1143.132,"body":"receiving"},{"speaker":"Speaker 2","startTime":1143.132,"endTime":1143.132,"body":" "},{"speaker":"Speaker 2","startTime":1143.193,"endTime":1143.633,"body":"alerts"},{"speaker":"Speaker 2","startTime":1143.633,"endTime":1143.633,"body":"."},{"speaker":"Speaker 2","startTime":1143.633,"endTime":1143.633,"body":" "},{"speaker":"Speaker 2","startTime":1144.054,"endTime":1144.134,"body":"You"},{"speaker":"Speaker 2","startTime":1144.134,"endTime":1144.134,"body":" "},{"speaker":"Speaker 2","startTime":1144.155,"endTime":1144.255,"body":"know"},{"speaker":"Speaker 2","startTime":1144.255,"endTime":1144.255,"body":" "},{"speaker":"Speaker 2","startTime":1144.275,"endTime":1144.375,"body":"the"},{"speaker":"Speaker 2","startTime":1144.375,"endTime":1144.375,"body":" "},{"speaker":"Speaker 2","startTime":1144.395,"endTime":1144.736,"body":"market's"},{"speaker":"Speaker 2","startTime":1144.736,"endTime":1144.736,"body":" "},{"speaker":"Speaker 2","startTime":1144.776,"endTime":1145.117,"body":"down"},{"speaker":"Speaker 2","startTime":1145.117,"endTime":1145.117,"body":","},{"speaker":"Speaker 2","startTime":1145.117,"endTime":1145.117,"body":" "},{"speaker":"Speaker 2","startTime":1146.018,"endTime":1146.099,"body":"you"},{"speaker":"Speaker 2","startTime":1146.099,"endTime":1146.099,"body":" "},{"speaker":"Speaker 2","startTime":1146.139,"endTime":1146.279,"body":"know"},{"speaker":"Speaker 2","startTime":1146.279,"endTime":1146.279,"body":" "},{"speaker":"Speaker 2","startTime":1146.84,"endTime":1146.94,"body":"X"},{"speaker":"Speaker 2","startTime":1146.94,"endTime":1146.94,"body":" "},{"speaker":"Speaker 2","startTime":1146.96,"endTime":1147.381,"body":"percent"},{"speaker":"Speaker 2","startTime":1147.381,"endTime":1147.381,"body":" "},{"speaker":"Speaker 2","startTime":1148.831,"endTime":1148.931,"body":"and"},{"speaker":"Speaker 2","startTime":1148.931,"endTime":1148.931,"body":" "},{"speaker":"Speaker 2","startTime":1148.951,"endTime":1149.353,"body":"then"},{"speaker":"Speaker 2","startTime":1149.353,"endTime":1149.353,"body":" "},{"speaker":"Speaker 2","startTime":1149.373,"endTime":1149.433,"body":"you"},{"speaker":"Speaker 2","startTime":1149.433,"endTime":1149.433,"body":" "},{"speaker":"Speaker 2","startTime":1149.453,"endTime":1149.534,"body":"know"},{"speaker":"Speaker 2","startTime":1149.534,"endTime":1149.534,"body":" "},{"speaker":"Speaker 2","startTime":1149.554,"endTime":1149.735,"body":"per"},{"speaker":"Speaker 2","startTime":1149.735,"endTime":1149.735,"body":" "},{"speaker":"Speaker 2","startTime":1149.775,"endTime":1150.076,"body":"account"},{"speaker":"Speaker 2","startTime":1150.076,"endTime":1150.076,"body":","},{"speaker":"Speaker 2","startTime":1150.076,"endTime":1150.076,"body":" "},{"speaker":"Speaker 2","startTime":1150.116,"endTime":1150.257,"body":"they"},{"speaker":"Speaker 2","startTime":1150.257,"endTime":1150.257,"body":" "},{"speaker":"Speaker 2","startTime":1150.297,"endTime":1150.578,"body":"probably"},{"speaker":"Speaker 2","startTime":1150.578,"endTime":1150.578,"body":" "},{"speaker":"Speaker 2","startTime":1150.638,"endTime":1150.98,"body":"have"},{"speaker":"Speaker 2","startTime":1150.98,"endTime":1150.98,"body":","},{"speaker":"Speaker 2","startTime":1150.98,"endTime":1150.98,"body":" "},{"speaker":"Speaker 2","startTime":1152.145,"endTime":1152.225,"body":"you"},{"speaker":"Speaker 2","startTime":1152.225,"endTime":1152.225,"body":" "},{"speaker":"Speaker 2","startTime":1152.245,"endTime":1152.346,"body":"know"},{"speaker":"Speaker 2","startTime":1152.346,"endTime":1152.346,"body":","},{"speaker":"Speaker 2","startTime":1152.346,"endTime":1152.346,"body":" "},{"speaker":"Speaker 2","startTime":1152.366,"endTime":1152.546,"body":"tax"},{"speaker":"Speaker 2","startTime":1152.546,"endTime":1152.546,"body":" "},{"speaker":"Speaker 2","startTime":1152.567,"endTime":1152.747,"body":"loss"},{"speaker":"Speaker 2","startTime":1152.747,"endTime":1152.747,"body":" "},{"speaker":"Speaker 2","startTime":1152.767,"endTime":1153.169,"body":"harvesting"},{"speaker":"Speaker 2","startTime":1153.169,"endTime":1153.169,"body":" "},{"speaker":"Speaker 2","startTime":1153.189,"endTime":1153.37,"body":"alerts"},{"speaker":"Speaker 2","startTime":1153.37,"endTime":1153.37,"body":" "},{"speaker":"Speaker 2","startTime":1153.45,"endTime":1153.611,"body":"set"},{"speaker":"Speaker 2","startTime":1153.611,"endTime":1153.611,"body":" "},{"speaker":"Speaker 2","startTime":1153.671,"endTime":1153.752,"body":"up"},{"speaker":"Speaker 2","startTime":1153.752,"endTime":1153.752,"body":" "},{"speaker":"Speaker 2","startTime":1153.792,"endTime":1153.872,"body":"to"},{"speaker":"Speaker 2","startTime":1153.872,"endTime":1153.872,"body":" "},{"speaker":"Speaker 2","startTime":1153.912,"endTime":1154.053,"body":"where"},{"speaker":"Speaker 2","startTime":1154.053,"endTime":1154.053,"body":" "},{"speaker":"Speaker 2","startTime":1154.093,"endTime":1154.214,"body":"they"},{"speaker":"Speaker 2","startTime":1154.214,"endTime":1154.214,"body":" "},{"speaker":"Speaker 2","startTime":1154.234,"endTime":1154.374,"body":"can"},{"speaker":"Speaker 2","startTime":1154.374,"endTime":1154.374,"body":" "},{"speaker":"Speaker 2","startTime":1154.435,"endTime":1154.595,"body":"say"},{"speaker":"Speaker 2","startTime":1154.595,"endTime":1154.595,"body":" "},{"speaker":"Speaker 2","startTime":1154.656,"endTime":1154.917,"body":"okay"},{"speaker":"Speaker 2","startTime":1154.917,"endTime":1154.917,"body":","},{"speaker":"Speaker 2","startTime":1154.917,"endTime":1154.917,"body":" "},{"speaker":"Speaker 2","startTime":1155.74,"endTime":1155.901,"body":"we"},{"speaker":"Speaker 2","startTime":1155.901,"endTime":1155.901,"body":" "},{"speaker":"Speaker 2","startTime":1155.921,"endTime":1156.142,"body":"receive"},{"speaker":"Speaker 2","startTime":1156.142,"endTime":1156.142,"body":" "},{"speaker":"Speaker 2","startTime":1156.182,"endTime":1156.202,"body":"a"},{"speaker":"Speaker 2","startTime":1156.202,"endTime":1156.202,"body":" "},{"speaker":"Speaker 2","startTime":1156.222,"endTime":1156.423,"body":"lot"},{"speaker":"Speaker 2","startTime":1156.423,"endTime":1156.423,"body":" "},{"speaker":"Speaker 2","startTime":1156.443,"endTime":1156.624,"body":"here"},{"speaker":"Speaker 2","startTime":1156.624,"endTime":1156.624,"body":" "},{"speaker":"Speaker 2","startTime":1156.684,"endTime":1156.825,"body":"from"},{"speaker":"Speaker 2","startTime":1156.825,"endTime":1156.825,"body":" "},{"speaker":"Speaker 2","startTime":1156.865,"endTime":1156.966,"body":"the"},{"speaker":"Speaker 2","startTime":1156.966,"endTime":1156.966,"body":" "},{"speaker":"Speaker 2","startTime":1157.006,"endTime":1157.548,"body":"software"},{"speaker":"Speaker 2","startTime":1157.548,"endTime":1157.548,"body":","},{"speaker":"Speaker 2","startTime":1157.548,"endTime":1157.548,"body":" "},{"speaker":"Speaker 2","startTime":1157.609,"endTime":1157.749,"body":"let's"},{"speaker":"Speaker 2","startTime":1157.749,"endTime":1157.749,"body":" "},{"speaker":"Speaker 2","startTime":1157.769,"endTime":1157.87,"body":"go"},{"speaker":"Speaker 2","startTime":1157.87,"endTime":1157.87,"body":" "},{"speaker":"Speaker 2","startTime":1157.89,"endTime":1157.93,"body":"in"},{"speaker":"Speaker 2","startTime":1157.93,"endTime":1157.93,"body":" "},{"speaker":"Speaker 2","startTime":1158.03,"endTime":1158.111,"body":"and"},{"speaker":"Speaker 2","startTime":1158.111,"endTime":1158.111,"body":" "},{"speaker":"Speaker 2","startTime":1158.131,"endTime":1158.412,"body":"trade"},{"speaker":"Speaker 2","startTime":1158.412,"endTime":1158.412,"body":" "},{"speaker":"Speaker 2","startTime":1158.452,"endTime":1158.513,"body":"it"},{"speaker":"Speaker 2","startTime":1158.513,"endTime":1158.513,"body":"."},{"speaker":"Speaker 2","startTime":1158.513,"endTime":1158.513,"body":" "},{"speaker":"Speaker 2","startTime":1159.13,"endTime":1159.21,"body":"And"},{"speaker":"Speaker 2","startTime":1159.21,"endTime":1159.21,"body":" "},{"speaker":"Speaker 2","startTime":1159.23,"endTime":1159.331,"body":"then"},{"speaker":"Speaker 2","startTime":1159.331,"endTime":1159.331,"body":" "},{"speaker":"Speaker 2","startTime":1159.351,"endTime":1159.451,"body":"they"},{"speaker":"Speaker 2","startTime":1159.451,"endTime":1159.451,"body":" "},{"speaker":"Speaker 2","startTime":1159.471,"endTime":1159.531,"body":"can"},{"speaker":"Speaker 2","startTime":1159.531,"endTime":1159.531,"body":" "},{"speaker":"Speaker 2","startTime":1159.551,"endTime":1159.772,"body":"also"},{"speaker":"Speaker 2","startTime":1159.772,"endTime":1159.772,"body":","},{"speaker":"Speaker 2","startTime":1159.772,"endTime":1159.772,"body":" "},{"speaker":"Speaker 2","startTime":1159.892,"endTime":1159.992,"body":"you"},{"speaker":"Speaker 2","startTime":1159.992,"endTime":1159.992,"body":" "},{"speaker":"Speaker 2","startTime":1160.012,"endTime":1160.133,"body":"know"},{"speaker":"Speaker 2","startTime":1160.133,"endTime":1160.133,"body":","},{"speaker":"Speaker 2","startTime":1160.133,"endTime":1160.133,"body":" "},{"speaker":"Speaker 2","startTime":1160.654,"endTime":1161.095,"body":"monitor"},{"speaker":"Speaker 2","startTime":1161.095,"endTime":1161.095,"body":" "},{"speaker":"Speaker 2","startTime":1161.135,"endTime":1161.255,"body":"like"},{"speaker":"Speaker 2","startTime":1161.255,"endTime":1161.255,"body":","},{"speaker":"Speaker 2","startTime":1161.255,"endTime":1161.255,"body":" "},{"speaker":"Speaker 2","startTime":1161.295,"endTime":1161.496,"body":"watch"},{"speaker":"Speaker 2","startTime":1161.496,"endTime":1161.496,"body":" "},{"speaker":"Speaker 2","startTime":1161.516,"endTime":1161.857,"body":"sales"},{"speaker":"Speaker 2","startTime":1161.857,"endTime":1161.857,"body":" "},{"speaker":"Speaker 2","startTime":1161.957,"endTime":1162.057,"body":"and"},{"speaker":"Speaker 2","startTime":1162.057,"endTime":1162.057,"body":" "},{"speaker":"Speaker 2","startTime":1162.619,"endTime":1162.739,"body":"make"},{"speaker":"Speaker 2","startTime":1162.739,"endTime":1162.739,"body":" "},{"speaker":"Speaker 2","startTime":1162.759,"endTime":1162.899,"body":"sure"},{"speaker":"Speaker 2","startTime":1162.899,"endTime":1162.899,"body":" "},{"speaker":"Speaker 2","startTime":1162.919,"endTime":1163.02,"body":"that"},{"speaker":"Speaker 2","startTime":1163.02,"endTime":1163.02,"body":" "},{"speaker":"Speaker 2","startTime":1163.04,"endTime":1163.26,"body":"they're"},{"speaker":"Speaker 2","startTime":1163.26,"endTime":1163.26,"body":" "},{"speaker":"Speaker 2","startTime":1164.23,"endTime":1164.371,"body":"trading"},{"speaker":"Speaker 2","startTime":1164.371,"endTime":1164.371,"body":" "},{"speaker":"Speaker 2","startTime":1164.391,"endTime":1164.813,"body":"appropriately"},{"speaker":"Speaker 2","startTime":1164.813,"endTime":1164.813,"body":"."},{"speaker":"Speaker 2","startTime":1164.813,"endTime":1164.813,"body":" "},{"speaker":"Speaker 2","startTime":1164.813,"endTime":1164.813,"body":"\n"},{"speaker":"Speaker 1","startTime":1166.673,"endTime":1166.793,"body":"So"},{"speaker":"Speaker 1","startTime":1166.793,"endTime":1166.793,"body":" "},{"speaker":"Speaker 1","startTime":1166.854,"endTime":1167.115,"body":"obviously"},{"speaker":"Speaker 1","startTime":1167.115,"endTime":1167.115,"body":" "},{"speaker":"Speaker 1","startTime":1167.135,"endTime":1167.175,"body":"it"},{"speaker":"Speaker 1","startTime":1167.175,"endTime":1167.175,"body":" "},{"speaker":"Speaker 1","startTime":1167.195,"endTime":1167.376,"body":"takes"},{"speaker":"Speaker 1","startTime":1167.376,"endTime":1167.376,"body":" "},{"speaker":"Speaker 1","startTime":1167.396,"endTime":1167.516,"body":"some"},{"speaker":"Speaker 1","startTime":1167.516,"endTime":1167.516,"body":" "},{"speaker":"Speaker 1","startTime":1167.596,"endTime":1167.817,"body":"active"},{"speaker":"Speaker 1","startTime":1167.817,"endTime":1167.817,"body":" "},{"speaker":"Speaker 1","startTime":1167.837,"endTime":1168.319,"body":"management"},{"speaker":"Speaker 1","startTime":1168.319,"endTime":1168.319,"body":","},{"speaker":"Speaker 1","startTime":1168.319,"endTime":1168.319,"body":" "},{"speaker":"Speaker 1","startTime":1168.399,"endTime":1168.54,"body":"not"},{"speaker":"Speaker 1","startTime":1168.54,"endTime":1168.54,"body":" "},{"speaker":"Speaker 1","startTime":1168.6,"endTime":1168.7,"body":"so"},{"speaker":"Speaker 1","startTime":1168.7,"endTime":1168.7,"body":" "},{"speaker":"Speaker 1","startTime":1168.761,"endTime":1168.941,"body":"much"},{"speaker":"Speaker 1","startTime":1168.941,"endTime":1168.941,"body":" "},{"speaker":"Speaker 1","startTime":1169.042,"endTime":1169.403,"body":"by"},{"speaker":"Speaker 1","startTime":1169.403,"endTime":1169.403,"body":" "},{"speaker":"Speaker 1","startTime":1169.905,"endTime":1170.025,"body":"our"},{"speaker":"Speaker 1","startTime":1170.025,"endTime":1170.025,"body":" "},{"speaker":"Speaker 1","startTime":1170.085,"endTime":1170.367,"body":"firm"},{"speaker":"Speaker 1","startTime":1170.367,"endTime":1170.367,"body":" "},{"speaker":"Speaker 1","startTime":1170.447,"endTime":1170.607,"body":"but"},{"speaker":"Speaker 1","startTime":1170.607,"endTime":1170.607,"body":" "},{"speaker":"Speaker 1","startTime":1170.728,"endTime":1170.909,"body":"the"},{"speaker":"Speaker 1","startTime":1170.909,"endTime":1170.909,"body":" "},{"speaker":"Speaker 1","startTime":1170.969,"endTime":1171.29,"body":"provider"},{"speaker":"Speaker 1","startTime":1171.29,"endTime":1171.29,"body":" "},{"speaker":"Speaker 1","startTime":1171.39,"endTime":1171.491,"body":"that"},{"speaker":"Speaker 1","startTime":1171.491,"endTime":1171.491,"body":" "},{"speaker":"Speaker 1","startTime":1171.511,"endTime":1171.651,"body":"we're"},{"speaker":"Speaker 1","startTime":1171.651,"endTime":1171.651,"body":" "},{"speaker":"Speaker 1","startTime":1171.732,"endTime":1171.952,"body":"using"},{"speaker":"Speaker 1","startTime":1171.952,"endTime":1171.952,"body":" "},{"speaker":"Speaker 1","startTime":1171.993,"endTime":1172.093,"body":"to"},{"speaker":"Speaker 1","startTime":1172.093,"endTime":1172.093,"body":" "},{"speaker":"Speaker 1","startTime":1172.113,"endTime":1172.254,"body":"do"},{"speaker":"Speaker 1","startTime":1172.254,"endTime":1172.254,"body":" "},{"speaker":"Speaker 1","startTime":1172.294,"endTime":1172.374,"body":"this"},{"speaker":"Speaker 1","startTime":1172.374,"endTime":1172.374,"body":"."},{"speaker":"Speaker 1","startTime":1172.374,"endTime":1172.374,"body":" "},{"speaker":"Speaker 1","startTime":1173.47,"endTime":1173.51,"body":"So"},{"speaker":"Speaker 1","startTime":1173.51,"endTime":1173.51,"body":" "},{"speaker":"Speaker 1","startTime":1173.53,"endTime":1173.61,"body":"then"},{"speaker":"Speaker 1","startTime":1173.61,"endTime":1173.61,"body":" "},{"speaker":"Speaker 1","startTime":1173.63,"endTime":1173.751,"body":"that"},{"speaker":"Speaker 1","startTime":1173.751,"endTime":1173.751,"body":" "},{"speaker":"Speaker 1","startTime":1173.771,"endTime":1173.991,"body":"begs"},{"speaker":"Speaker 1","startTime":1173.991,"endTime":1173.991,"body":" "},{"speaker":"Speaker 1","startTime":1174.011,"endTime":1174.192,"body":"me"},{"speaker":"Speaker 1","startTime":1174.192,"endTime":1174.192,"body":" "},{"speaker":"Speaker 1","startTime":1175.215,"endTime":1175.315,"body":"to"},{"speaker":"Speaker 1","startTime":1175.315,"endTime":1175.315,"body":" "},{"speaker":"Speaker 1","startTime":1175.335,"endTime":1175.395,"body":"the"},{"speaker":"Speaker 1","startTime":1175.395,"endTime":1175.395,"body":" "},{"speaker":"Speaker 1","startTime":1175.415,"endTime":1175.576,"body":"next"},{"speaker":"Speaker 1","startTime":1175.576,"endTime":1175.576,"body":" "},{"speaker":"Speaker 1","startTime":1175.616,"endTime":1175.957,"body":"question"},{"speaker":"Speaker 1","startTime":1175.957,"endTime":1175.957,"body":" "},{"speaker":"Speaker 1","startTime":1176.919,"endTime":1177.08,"body":"what's"},{"speaker":"Speaker 1","startTime":1177.08,"endTime":1177.08,"body":" "},{"speaker":"Speaker 1","startTime":1177.1,"endTime":1177.18,"body":"the"},{"speaker":"Speaker 1","startTime":1177.18,"endTime":1177.18,"body":" "},{"speaker":"Speaker 1","startTime":1177.22,"endTime":1177.481,"body":"cost"},{"speaker":"Speaker 1","startTime":1177.481,"endTime":1177.481,"body":"?"},{"speaker":"Speaker 1","startTime":1177.481,"endTime":1177.481,"body":" "},{"speaker":"Speaker 1","startTime":1178.05,"endTime":1178.171,"body":"What's"},{"speaker":"Speaker 1","startTime":1178.171,"endTime":1178.171,"body":" "},{"speaker":"Speaker 1","startTime":1178.191,"endTime":1178.251,"body":"the"},{"speaker":"Speaker 1","startTime":1178.251,"endTime":1178.251,"body":" "},{"speaker":"Speaker 1","startTime":1178.271,"endTime":1178.351,"body":"cost"},{"speaker":"Speaker 1","startTime":1178.351,"endTime":1178.351,"body":" "},{"speaker":"Speaker 1","startTime":1178.371,"endTime":1178.432,"body":"for"},{"speaker":"Speaker 1","startTime":1178.432,"endTime":1178.432,"body":" "},{"speaker":"Speaker 1","startTime":1178.452,"endTime":1178.492,"body":"me"},{"speaker":"Speaker 1","startTime":1178.492,"endTime":1178.492,"body":" "},{"speaker":"Speaker 1","startTime":1178.512,"endTime":1178.592,"body":"to"},{"speaker":"Speaker 1","startTime":1178.592,"endTime":1178.592,"body":" "},{"speaker":"Speaker 1","startTime":1178.613,"endTime":1178.713,"body":"do"},{"speaker":"Speaker 1","startTime":1178.713,"endTime":1178.713,"body":" "},{"speaker":"Speaker 1","startTime":1178.753,"endTime":1178.934,"body":"this"},{"speaker":"Speaker 1","startTime":1178.934,"endTime":1178.934,"body":"?"},{"speaker":"Speaker 1","startTime":1178.934,"endTime":1178.934,"body":" "},{"speaker":"Speaker 1","startTime":1178.934,"endTime":1178.934,"body":"\n"},{"speaker":"Speaker 2","startTime":1179.47,"endTime":1179.831,"body":"Yeah"},{"speaker":"Speaker 2","startTime":1179.831,"endTime":1179.831,"body":","},{"speaker":"Speaker 2","startTime":1179.831,"endTime":1179.831,"body":" "},{"speaker":"Speaker 2","startTime":1179.991,"endTime":1180.132,"body":"that"},{"speaker":"Speaker 2","startTime":1180.132,"endTime":1180.132,"body":" "},{"speaker":"Speaker 2","startTime":1180.212,"endTime":1180.292,"body":"is"},{"speaker":"Speaker 2","startTime":1180.292,"endTime":1180.292,"body":" "},{"speaker":"Speaker 2","startTime":1180.472,"endTime":1180.553,"body":"one"},{"speaker":"Speaker 2","startTime":1180.553,"endTime":1180.553,"body":" "},{"speaker":"Speaker 2","startTime":1180.613,"endTime":1180.673,"body":"of"},{"speaker":"Speaker 2","startTime":1180.673,"endTime":1180.673,"body":" "},{"speaker":"Speaker 2","startTime":1180.733,"endTime":1180.954,"body":"the"},{"speaker":"Speaker 2","startTime":1180.954,"endTime":1180.954,"body":" "},{"speaker":"Speaker 2","startTime":1181.435,"endTime":1181.515,"body":"I'd"},{"speaker":"Speaker 2","startTime":1181.515,"endTime":1181.515,"body":" "},{"speaker":"Speaker 2","startTime":1181.555,"endTime":1181.695,"body":"say"},{"speaker":"Speaker 2","startTime":1181.695,"endTime":1181.695,"body":" "},{"speaker":"Speaker 2","startTime":1181.776,"endTime":1182.457,"body":"shortcoming"},{"speaker":"Speaker 2","startTime":1182.457,"endTime":1182.457,"body":"."},{"speaker":"Speaker 2","startTime":1182.457,"endTime":1182.457,"body":" "},{"speaker":"Speaker 2","startTime":1182.477,"endTime":1183.42,"body":"Or"},{"speaker":"Speaker 2","startTime":1183.42,"endTime":1183.42,"body":" "},{"speaker":"Speaker 2","startTime":1183.6,"endTime":1183.68,"body":"you"},{"speaker":"Speaker 2","startTime":1183.68,"endTime":1183.68,"body":" "},{"speaker":"Speaker 2","startTime":1183.7,"endTime":1183.821,"body":"know"},{"speaker":"Speaker 2","startTime":1183.821,"endTime":1183.821,"body":","},{"speaker":"Speaker 2","startTime":1183.821,"endTime":1183.821,"body":" "},{"speaker":"Speaker 2","startTime":1183.881,"endTime":1184.362,"body":"downside"},{"speaker":"Speaker 2","startTime":1184.362,"endTime":1184.362,"body":" "},{"speaker":"Speaker 2","startTime":1184.59,"endTime":1184.63,"body":"it"},{"speaker":"Speaker 2","startTime":1184.63,"endTime":1184.63,"body":" "},{"speaker":"Speaker 2","startTime":1184.69,"endTime":1184.771,"body":"is"},{"speaker":"Speaker 2","startTime":1184.771,"endTime":1184.771,"body":" "},{"speaker":"Speaker 2","startTime":1184.791,"endTime":1184.811,"body":"a"},{"speaker":"Speaker 2","startTime":1184.811,"endTime":1184.811,"body":" "},{"speaker":"Speaker 2","startTime":1184.831,"endTime":1184.972,"body":"little"},{"speaker":"Speaker 2","startTime":1184.972,"endTime":1184.972,"body":" "},{"speaker":"Speaker 2","startTime":1184.992,"endTime":1185.092,"body":"bit"},{"speaker":"Speaker 2","startTime":1185.092,"endTime":1185.092,"body":" "},{"speaker":"Speaker 2","startTime":1185.112,"endTime":1185.353,"body":"higher"},{"speaker":"Speaker 2","startTime":1185.353,"endTime":1185.353,"body":" "},{"speaker":"Speaker 2","startTime":1185.393,"endTime":1185.755,"body":"costs"},{"speaker":"Speaker 2","startTime":1185.755,"endTime":1185.755,"body":"."},{"speaker":"Speaker 2","startTime":1185.755,"endTime":1185.755,"body":" "},{"speaker":"Speaker 2","startTime":1186.23,"endTime":1186.29,"body":"You"},{"speaker":"Speaker 2","startTime":1186.29,"endTime":1186.29,"body":" "},{"speaker":"Speaker 2","startTime":1186.31,"endTime":1186.431,"body":"know"},{"speaker":"Speaker 2","startTime":1186.431,"endTime":1186.431,"body":" "},{"speaker":"Speaker 2","startTime":1186.471,"endTime":1186.591,"body":"these"},{"speaker":"Speaker 2","startTime":1186.591,"endTime":1186.591,"body":" "},{"speaker":"Speaker 2","startTime":1186.632,"endTime":1187.053,"body":"providers"},{"speaker":"Speaker 2","startTime":1187.053,"endTime":1187.053,"body":" "},{"speaker":"Speaker 2","startTime":1187.093,"endTime":1187.354,"body":"charge"},{"speaker":"Speaker 2","startTime":1187.354,"endTime":1187.354,"body":" "},{"speaker":"Speaker 2","startTime":1187.415,"endTime":1187.455,"body":"a"},{"speaker":"Speaker 2","startTime":1187.455,"endTime":1187.455,"body":" "},{"speaker":"Speaker 2","startTime":1187.475,"endTime":1187.857,"body":"management"},{"speaker":"Speaker 2","startTime":1187.857,"endTime":1187.857,"body":" "},{"speaker":"Speaker 2","startTime":1187.917,"endTime":1188.138,"body":"fee"},{"speaker":"Speaker 2","startTime":1188.138,"endTime":1188.138,"body":"."},{"speaker":"Speaker 2","startTime":1188.138,"endTime":1188.138,"body":" "},{"speaker":"Speaker 2","startTime":1188.671,"endTime":1188.731,"body":"You"},{"speaker":"Speaker 2","startTime":1188.731,"endTime":1188.731,"body":" "},{"speaker":"Speaker 2","startTime":1188.751,"endTime":1188.871,"body":"know"},{"speaker":"Speaker 2","startTime":1188.871,"endTime":1188.871,"body":","},{"speaker":"Speaker 2","startTime":1188.871,"endTime":1188.871,"body":" "},{"speaker":"Speaker 2","startTime":1188.911,"endTime":1188.992,"body":"I'd"},{"speaker":"Speaker 2","startTime":1188.992,"endTime":1188.992,"body":" "},{"speaker":"Speaker 2","startTime":1189.012,"endTime":1189.172,"body":"say"},{"speaker":"Speaker 2","startTime":1189.172,"endTime":1189.172,"body":" "},{"speaker":"Speaker 2","startTime":1189.192,"endTime":1189.432,"body":"most"},{"speaker":"Speaker 2","startTime":1189.432,"endTime":1189.432,"body":" "},{"speaker":"Speaker 2","startTime":1189.492,"endTime":1189.873,"body":"fees"},{"speaker":"Speaker 2","startTime":1189.873,"endTime":1189.873,"body":" "},{"speaker":"Speaker 2","startTime":1190.034,"endTime":1190.374,"body":"range"},{"speaker":"Speaker 2","startTime":1190.374,"endTime":1190.374,"body":" "},{"speaker":"Speaker 2","startTime":1190.434,"endTime":1190.675,"body":"from"},{"speaker":"Speaker 2","startTime":1190.675,"endTime":1190.675,"body":" "},{"speaker":"Speaker 2","startTime":1191.757,"endTime":1191.977,"body":"20"},{"speaker":"Speaker 2","startTime":1191.977,"endTime":1191.977,"body":" "},{"speaker":"Speaker 2","startTime":1192.017,"endTime":1192.318,"body":"basis"},{"speaker":"Speaker 2","startTime":1192.318,"endTime":1192.318,"body":" "},{"speaker":"Speaker 2","startTime":1192.378,"endTime":1192.719,"body":"points"},{"speaker":"Speaker 2","startTime":1192.719,"endTime":1192.719,"body":" "},{"speaker":"Speaker 2","startTime":1192.779,"endTime":1192.859,"body":"or"},{"speaker":"Speaker 2","startTime":1192.859,"endTime":1192.859,"body":" "},{"speaker":"Speaker 2","startTime":1192.879,"endTime":1193.36,"body":"0.2"},{"speaker":"Speaker 2","startTime":1193.36,"endTime":1193.36,"body":" "},{"speaker":"Speaker 2","startTime":1193.4,"endTime":1193.821,"body":"percent"},{"speaker":"Speaker 2","startTime":1193.821,"endTime":1193.821,"body":" "},{"speaker":"Speaker 2","startTime":1193.921,"endTime":1194.162,"body":"to"},{"speaker":"Speaker 2","startTime":1194.162,"endTime":1194.162,"body":" "},{"speaker":"Speaker 2","startTime":1194.322,"endTime":1194.402,"body":"1"},{"speaker":"Speaker 2","startTime":1194.402,"endTime":1194.402,"body":" "},{"speaker":"Speaker 2","startTime":1194.442,"endTime":1194.823,"body":"percent"},{"speaker":"Speaker 2","startTime":1194.823,"endTime":1194.823,"body":"."},{"speaker":"Speaker 2","startTime":1194.823,"endTime":1194.823,"body":" "},{"speaker":"Speaker 2","startTime":1195.812,"endTime":1195.872,"body":"I"},{"speaker":"Speaker 2","startTime":1195.872,"endTime":1195.872,"body":" "},{"speaker":"Speaker 2","startTime":1195.892,"endTime":1196.053,"body":"will"},{"speaker":"Speaker 2","startTime":1196.053,"endTime":1196.053,"body":" "},{"speaker":"Speaker 2","startTime":1196.113,"endTime":1196.273,"body":"note"},{"speaker":"Speaker 2","startTime":1196.273,"endTime":1196.273,"body":" "},{"speaker":"Speaker 2","startTime":1196.313,"endTime":1196.514,"body":"that"},{"speaker":"Speaker 2","startTime":1196.514,"endTime":1196.514,"body":" "},{"speaker":"Speaker 2","startTime":1196.615,"endTime":1196.695,"body":"the"},{"speaker":"Speaker 2","startTime":1196.695,"endTime":1196.695,"body":" "},{"speaker":"Speaker 2","startTime":1196.735,"endTime":1197.096,"body":"provider"},{"speaker":"Speaker 2","startTime":1197.096,"endTime":1197.096,"body":" "},{"speaker":"Speaker 2","startTime":1197.116,"endTime":1197.197,"body":"we"},{"speaker":"Speaker 2","startTime":1197.197,"endTime":1197.197,"body":" "},{"speaker":"Speaker 2","startTime":1197.217,"endTime":1197.297,"body":"are"},{"speaker":"Speaker 2","startTime":1197.297,"endTime":1197.297,"body":" "},{"speaker":"Speaker 2","startTime":1197.377,"endTime":1197.658,"body":"using"},{"speaker":"Speaker 2","startTime":1197.658,"endTime":1197.658,"body":" "},{"speaker":"Speaker 2","startTime":1198.02,"endTime":1198.18,"body":"their"},{"speaker":"Speaker 2","startTime":1198.18,"endTime":1198.18,"body":" "},{"speaker":"Speaker 2","startTime":1198.22,"endTime":1198.381,"body":"fee"},{"speaker":"Speaker 2","startTime":1198.381,"endTime":1198.381,"body":" "},{"speaker":"Speaker 2","startTime":1198.441,"endTime":1198.522,"body":"is"},{"speaker":"Speaker 2","startTime":1198.522,"endTime":1198.522,"body":" "},{"speaker":"Speaker 2","startTime":1198.803,"endTime":1199.003,"body":"much"},{"speaker":"Speaker 2","startTime":1199.003,"endTime":1199.003,"body":" "},{"speaker":"Speaker 2","startTime":1199.084,"endTime":1199.345,"body":"lower"},{"speaker":"Speaker 2","startTime":1199.345,"endTime":1199.345,"body":" "},{"speaker":"Speaker 2","startTime":1199.646,"endTime":1199.766,"body":"than"},{"speaker":"Speaker 2","startTime":1199.766,"endTime":1199.766,"body":" "},{"speaker":"Speaker 2","startTime":1199.806,"endTime":1200.007,"body":"that"},{"speaker":"Speaker 2","startTime":1200.007,"endTime":1200.007,"body":","},{"speaker":"Speaker 2","startTime":1200.007,"endTime":1200.007,"body":" "},{"speaker":"Speaker 2","startTime":1200.368,"endTime":1200.669,"body":"lower"},{"speaker":"Speaker 2","startTime":1200.669,"endTime":1200.669,"body":" "},{"speaker":"Speaker 2","startTime":1200.69,"endTime":1200.73,"body":"in"},{"speaker":"Speaker 2","startTime":1200.73,"endTime":1200.73,"body":" "},{"speaker":"Speaker 2","startTime":1200.93,"endTime":1201.051,"body":"that"},{"speaker":"Speaker 2","startTime":1201.051,"endTime":1201.051,"body":" "},{"speaker":"Speaker 2","startTime":1201.091,"endTime":1201.352,"body":"20"},{"speaker":"Speaker 2","startTime":1201.352,"endTime":1201.352,"body":" "},{"speaker":"Speaker 2","startTime":1201.372,"endTime":1201.532,"body":"bit"},{"speaker":"Speaker 2","startTime":1201.532,"endTime":1201.532,"body":" "},{"speaker":"Speaker 2","startTime":1202.395,"endTime":1202.716,"body":"management"},{"speaker":"Speaker 2","startTime":1202.716,"endTime":1202.716,"body":" "},{"speaker":"Speaker 2","startTime":1202.736,"endTime":1202.977,"body":"fee"},{"speaker":"Speaker 2","startTime":1202.977,"endTime":1202.977,"body":"."},{"speaker":"Speaker 2","startTime":1202.977,"endTime":1202.977,"body":" "},{"speaker":"Speaker 2","startTime":1202.977,"endTime":1202.977,"body":"\n"},{"speaker":"Speaker 1","startTime":1202.997,"endTime":1203.097,"body":"What"},{"speaker":"Speaker 1","startTime":1203.097,"endTime":1203.097,"body":" "},{"speaker":"Speaker 1","startTime":1203.137,"endTime":1203.198,"body":"are"},{"speaker":"Speaker 1","startTime":1203.198,"endTime":1203.198,"body":" "},{"speaker":"Speaker 1","startTime":1203.218,"endTime":1203.258,"body":"we"},{"speaker":"Speaker 1","startTime":1203.258,"endTime":1203.258,"body":"?"},{"speaker":"Speaker 1","startTime":1203.258,"endTime":1203.258,"body":" "},{"speaker":"Speaker 1","startTime":1203.258,"endTime":1203.258,"body":"\n"},{"speaker":"Speaker 2","startTime":1203.338,"endTime":1203.438,"body":"at"},{"speaker":"Speaker 2","startTime":1203.438,"endTime":1203.438,"body":" "},{"speaker":"Speaker 2","startTime":1203.479,"endTime":1203.619,"body":"now"},{"speaker":"Speaker 2","startTime":1203.619,"endTime":1203.619,"body":","},{"speaker":"Speaker 2","startTime":1203.619,"endTime":1203.619,"body":" "},{"speaker":"Speaker 2","startTime":1204.341,"endTime":1204.401,"body":"I"},{"speaker":"Speaker 2","startTime":1204.401,"endTime":1204.401,"body":" "},{"speaker":"Speaker 2","startTime":1204.442,"endTime":1204.602,"body":"think"},{"speaker":"Speaker 2","startTime":1204.602,"endTime":1204.602,"body":","},{"speaker":"Speaker 2","startTime":1204.602,"endTime":1204.602,"body":" "},{"speaker":"Speaker 2","startTime":1204.783,"endTime":1205.946,"body":"0.12"},{"speaker":"Speaker 2","startTime":1205.946,"endTime":1205.946,"body":"."},{"speaker":"Speaker 2","startTime":1205.946,"endTime":1205.946,"body":" "},{"speaker":"Speaker 2","startTime":1205.946,"endTime":1205.946,"body":"\n"},{"speaker":"Speaker 1","startTime":1206.247,"endTime":1206.749,"body":"0.12"},{"speaker":"Speaker 1","startTime":1206.749,"endTime":1206.749,"body":"."},{"speaker":"Speaker 1","startTime":1206.749,"endTime":1206.749,"body":" "},{"speaker":"Speaker 1","startTime":1206.889,"endTime":1206.95,"body":"All"},{"speaker":"Speaker 1","startTime":1206.95,"endTime":1206.95,"body":" "},{"speaker":"Speaker 1","startTime":1206.97,"endTime":1207.07,"body":"right"},{"speaker":"Speaker 1","startTime":1207.07,"endTime":1207.07,"body":","},{"speaker":"Speaker 1","startTime":1207.07,"endTime":1207.07,"body":" "},{"speaker":"Speaker 1","startTime":1207.311,"endTime":1207.351,"body":"so"},{"speaker":"Speaker 1","startTime":1207.351,"endTime":1207.351,"body":" "},{"speaker":"Speaker 1","startTime":1207.371,"endTime":1207.451,"body":"why"},{"speaker":"Speaker 1","startTime":1207.451,"endTime":1207.451,"body":" "},{"speaker":"Speaker 1","startTime":1207.551,"endTime":1207.671,"body":"is"},{"speaker":"Speaker 1","startTime":1207.671,"endTime":1207.671,"body":" "},{"speaker":"Speaker 1","startTime":1207.711,"endTime":1207.792,"body":"it"},{"speaker":"Speaker 1","startTime":1207.792,"endTime":1207.792,"body":" "},{"speaker":"Speaker 1","startTime":1207.812,"endTime":1207.932,"body":"can"},{"speaker":"Speaker 1","startTime":1207.932,"endTime":1207.932,"body":" "},{"speaker":"Speaker 1","startTime":1207.952,"endTime":1208.052,"body":"do"},{"speaker":"Speaker 1","startTime":1208.052,"endTime":1208.052,"body":" "},{"speaker":"Speaker 1","startTime":1208.072,"endTime":1208.132,"body":"it"},{"speaker":"Speaker 1","startTime":1208.132,"endTime":1208.132,"body":" "},{"speaker":"Speaker 1","startTime":1208.172,"endTime":1208.273,"body":"for"},{"speaker":"Speaker 1","startTime":1208.273,"endTime":1208.273,"body":" "},{"speaker":"Speaker 1","startTime":1208.453,"endTime":1209.074,"body":"0.12"},{"speaker":"Speaker 1","startTime":1209.074,"endTime":1209.074,"body":" "},{"speaker":"Speaker 1","startTime":1209.135,"endTime":1209.435,"body":"versus"},{"speaker":"Speaker 1","startTime":1209.435,"endTime":1209.435,"body":" "},{"speaker":"Speaker 1","startTime":1209.656,"endTime":1209.716,"body":"a"},{"speaker":"Speaker 1","startTime":1209.716,"endTime":1209.716,"body":" "},{"speaker":"Speaker 1","startTime":1209.816,"endTime":1209.916,"body":"1"},{"speaker":"Speaker 1","startTime":1209.916,"endTime":1209.916,"body":" "},{"speaker":"Speaker 1","startTime":1209.956,"endTime":1210.257,"body":"percent"},{"speaker":"Speaker 1","startTime":1210.257,"endTime":1210.257,"body":" "},{"speaker":"Speaker 1","startTime":1210.317,"endTime":1210.738,"body":"fee"},{"speaker":"Speaker 1","startTime":1210.738,"endTime":1210.738,"body":"?"},{"speaker":"Speaker 1","startTime":1210.738,"endTime":1210.738,"body":" "},{"speaker":"Speaker 1","startTime":1210.858,"endTime":1211.059,"body":"That's"},{"speaker":"Speaker 1","startTime":1211.059,"endTime":1211.059,"body":" "},{"speaker":"Speaker 1","startTime":1211.159,"endTime":1211.299,"body":"big"},{"speaker":"Speaker 1","startTime":1211.299,"endTime":1211.299,"body":" "},{"speaker":"Speaker 1","startTime":1211.34,"endTime":1211.68,"body":"difference"},{"speaker":"Speaker 1","startTime":1211.68,"endTime":1211.68,"body":","},{"speaker":"Speaker 1","startTime":1211.68,"endTime":1211.68,"body":" "},{"speaker":"Speaker 1","startTime":1212.081,"endTime":1212.262,"body":"yes"},{"speaker":"Speaker 1","startTime":1212.262,"endTime":1212.262,"body":","},{"speaker":"Speaker 1","startTime":1212.262,"endTime":1212.262,"body":" "},{"speaker":"Speaker 1","startTime":1213.191,"endTime":1214.119,"body":"very"},{"speaker":"Speaker 1","startTime":1214.119,"endTime":1214.119,"body":" "},{"speaker":"Speaker 1","startTime":1214.522,"endTime":1214.663,"body":"big"},{"speaker":"Speaker 1","startTime":1214.663,"endTime":1214.663,"body":" "},{"speaker":"Speaker 1","startTime":1214.683,"endTime":1215.147,"body":"difference"},{"speaker":"Speaker 1","startTime":1215.147,"endTime":1215.147,"body":","},{"speaker":"Speaker 1","startTime":1215.147,"endTime":1215.147,"body":" "},{"speaker":"Speaker 1","startTime":1215.167,"endTime":1215.267,"body":"so"},{"speaker":"Speaker 1","startTime":1215.267,"endTime":1215.267,"body":" "},{"speaker":"Speaker 1","startTime":1215.308,"endTime":1215.59,"body":"0.12"},{"speaker":"Speaker 1","startTime":1215.59,"endTime":1215.59,"body":"."},{"speaker":"Speaker 1","startTime":1215.59,"endTime":1215.59,"body":" "},{"speaker":"Speaker 1","startTime":1215.71,"endTime":1215.831,"body":"So"},{"speaker":"Speaker 1","startTime":1215.831,"endTime":1215.831,"body":","},{"speaker":"Speaker 1","startTime":1215.831,"endTime":1215.831,"body":" "},{"speaker":"Speaker 1","startTime":1215.851,"endTime":1215.911,"body":"to"},{"speaker":"Speaker 1","startTime":1215.911,"endTime":1215.911,"body":" "},{"speaker":"Speaker 1","startTime":1215.931,"endTime":1216.011,"body":"put"},{"speaker":"Speaker 1","startTime":1216.011,"endTime":1216.011,"body":" "},{"speaker":"Speaker 1","startTime":1216.031,"endTime":1216.131,"body":"that"},{"speaker":"Speaker 1","startTime":1216.131,"endTime":1216.131,"body":" "},{"speaker":"Speaker 1","startTime":1216.151,"endTime":1216.191,"body":"in"},{"speaker":"Speaker 1","startTime":1216.191,"endTime":1216.191,"body":" "},{"speaker":"Speaker 1","startTime":1216.231,"endTime":1216.673,"body":"perspective"},{"speaker":"Speaker 1","startTime":1216.673,"endTime":1216.673,"body":","},{"speaker":"Speaker 1","startTime":1216.673,"endTime":1216.673,"body":" "},{"speaker":"Speaker 1","startTime":1216.713,"endTime":1216.813,"body":"the"},{"speaker":"Speaker 1","startTime":1216.813,"endTime":1216.813,"body":" "},{"speaker":"Speaker 1","startTime":1216.953,"endTime":1217.214,"body":"average"},{"speaker":"Speaker 1","startTime":1217.214,"endTime":1217.214,"body":" "},{"speaker":"Speaker 1","startTime":1217.254,"endTime":1217.655,"body":"costs"},{"speaker":"Speaker 1","startTime":1217.655,"endTime":1217.655,"body":" "},{"speaker":"Speaker 1","startTime":1218.096,"endTime":1218.156,"body":"of"},{"speaker":"Speaker 1","startTime":1218.156,"endTime":1218.156,"body":" "},{"speaker":"Speaker 1","startTime":1218.196,"endTime":1218.296,"body":"our"},{"speaker":"Speaker 1","startTime":1218.296,"endTime":1218.296,"body":" "},{"speaker":"Speaker 1","startTime":1218.356,"endTime":1218.717,"body":"ETF"},{"speaker":"Speaker 1","startTime":1218.717,"endTime":1218.717,"body":" "},{"speaker":"Speaker 1","startTime":1218.737,"endTime":1219.399,"body":"portfolios"},{"speaker":"Speaker 1","startTime":1219.399,"endTime":1219.399,"body":" "},{"speaker":"Speaker 1","startTime":1219.579,"endTime":1219.66,"body":"are"},{"speaker":"Speaker 1","startTime":1219.66,"endTime":1219.66,"body":" "},{"speaker":"Speaker 1","startTime":1219.68,"endTime":1220.321,"body":"around"},{"speaker":"Speaker 1","startTime":1220.321,"endTime":1220.321,"body":" "},{"speaker":"Speaker 1","startTime":1220.421,"endTime":1221.023,"body":"0.08"},{"speaker":"Speaker 1","startTime":1221.023,"endTime":1221.023,"body":" "},{"speaker":"Speaker 1","startTime":1221.23,"endTime":1221.291,"body":"of"},{"speaker":"Speaker 1","startTime":1221.291,"endTime":1221.291,"body":" "},{"speaker":"Speaker 1","startTime":1221.331,"endTime":1221.391,"body":"a"},{"speaker":"Speaker 1","startTime":1221.391,"endTime":1221.391,"body":" "},{"speaker":"Speaker 1","startTime":1221.431,"endTime":1221.813,"body":"percent"},{"speaker":"Speaker 1","startTime":1221.813,"endTime":1221.813,"body":","},{"speaker":"Speaker 1","startTime":1221.813,"endTime":1221.813,"body":" "},{"speaker":"Speaker 1","startTime":1222.67,"endTime":1222.75,"body":"so"},{"speaker":"Speaker 1","startTime":1222.75,"endTime":1222.75,"body":" "},{"speaker":"Speaker 1","startTime":1222.77,"endTime":1222.871,"body":"it's"},{"speaker":"Speaker 1","startTime":1222.871,"endTime":1222.871,"body":" "},{"speaker":"Speaker 1","startTime":1222.891,"endTime":1223.091,"body":"really"},{"speaker":"Speaker 1","startTime":1223.091,"endTime":1223.091,"body":" "},{"speaker":"Speaker 1","startTime":1223.191,"endTime":1223.372,"body":"not"},{"speaker":"Speaker 1","startTime":1223.372,"endTime":1223.372,"body":" "},{"speaker":"Speaker 1","startTime":1223.452,"endTime":1223.653,"body":"that"},{"speaker":"Speaker 1","startTime":1223.653,"endTime":1223.653,"body":" "},{"speaker":"Speaker 1","startTime":1223.713,"endTime":1223.933,"body":"much"},{"speaker":"Speaker 1","startTime":1223.933,"endTime":1223.933,"body":" "},{"speaker":"Speaker 1","startTime":1223.973,"endTime":1225.076,"body":"higher"},{"speaker":"Speaker 1","startTime":1225.076,"endTime":1225.076,"body":" "},{"speaker":"Speaker 1","startTime":1225.096,"endTime":1225.237,"body":"than"},{"speaker":"Speaker 1","startTime":1225.237,"endTime":1225.237,"body":" "},{"speaker":"Speaker 1","startTime":1225.277,"endTime":1225.357,"body":"the"},{"speaker":"Speaker 1","startTime":1225.357,"endTime":1225.357,"body":" "},{"speaker":"Speaker 1","startTime":1225.477,"endTime":1225.778,"body":"average"},{"speaker":"Speaker 1","startTime":1225.778,"endTime":1225.778,"body":"."},{"speaker":"Speaker 1","startTime":1225.778,"endTime":1225.778,"body":" "},{"speaker":"Speaker 1","startTime":1226.219,"endTime":1226.4,"body":"Right"},{"speaker":"Speaker 1","startTime":1226.4,"endTime":1226.4,"body":" "},{"speaker":"Speaker 1","startTime":1227.31,"endTime":1227.451,"body":"With"},{"speaker":"Speaker 1","startTime":1227.451,"endTime":1227.451,"body":" "},{"speaker":"Speaker 1","startTime":1227.471,"endTime":1227.491,"body":"a"},{"speaker":"Speaker 1","startTime":1227.491,"endTime":1227.491,"body":" "},{"speaker":"Speaker 1","startTime":1227.551,"endTime":1227.812,"body":"huge"},{"speaker":"Speaker 1","startTime":1227.812,"endTime":1227.812,"body":" "},{"speaker":"Speaker 1","startTime":1228.013,"endTime":1228.254,"body":"tax"},{"speaker":"Speaker 1","startTime":1228.254,"endTime":1228.254,"body":" "},{"speaker":"Speaker 1","startTime":1228.274,"endTime":1228.515,"body":"benefit"},{"speaker":"Speaker 1","startTime":1228.515,"endTime":1228.515,"body":"."},{"speaker":"Speaker 1","startTime":1228.515,"endTime":1228.515,"body":" "},{"speaker":"Speaker 1","startTime":1228.515,"endTime":1228.515,"body":"\n"},{"speaker":"Speaker 2","startTime":1229.27,"endTime":1229.391,"body":"And"},{"speaker":"Speaker 2","startTime":1229.391,"endTime":1229.391,"body":" "},{"speaker":"Speaker 2","startTime":1229.411,"endTime":1229.651,"body":"again"},{"speaker":"Speaker 2","startTime":1229.651,"endTime":1229.651,"body":" "},{"speaker":"Speaker 2","startTime":1230.453,"endTime":1230.573,"body":"and"},{"speaker":"Speaker 2","startTime":1230.573,"endTime":1230.573,"body":" "},{"speaker":"Speaker 2","startTime":1231.094,"endTime":1231.155,"body":"I"},{"speaker":"Speaker 2","startTime":1231.155,"endTime":1231.155,"body":" "},{"speaker":"Speaker 2","startTime":1231.215,"endTime":1231.415,"body":"think"},{"speaker":"Speaker 2","startTime":1231.415,"endTime":1231.415,"body":" "},{"speaker":"Speaker 2","startTime":1231.435,"endTime":1231.515,"body":"you"},{"speaker":"Speaker 2","startTime":1231.515,"endTime":1231.515,"body":" "},{"speaker":"Speaker 2","startTime":1231.535,"endTime":1231.676,"body":"know"},{"speaker":"Speaker 2","startTime":1231.676,"endTime":1231.676,"body":" "},{"speaker":"Speaker 2","startTime":1231.696,"endTime":1231.876,"body":"that"},{"speaker":"Speaker 2","startTime":1231.876,"endTime":1231.876,"body":" "},{"speaker":"Speaker 2","startTime":1232.297,"endTime":1232.417,"body":"it's"},{"speaker":"Speaker 2","startTime":1232.417,"endTime":1232.417,"body":" "},{"speaker":"Speaker 2","startTime":1232.497,"endTime":1232.718,"body":"worth"},{"speaker":"Speaker 2","startTime":1232.718,"endTime":1232.718,"body":" "},{"speaker":"Speaker 2","startTime":1232.858,"endTime":1232.938,"body":"it"},{"speaker":"Speaker 2","startTime":1232.938,"endTime":1232.938,"body":" "},{"speaker":"Speaker 2","startTime":1233.139,"endTime":1233.299,"body":"this"},{"speaker":"Speaker 2","startTime":1233.299,"endTime":1233.299,"body":" "},{"speaker":"Speaker 2","startTime":1233.339,"endTime":1233.82,"body":"0.12"},{"speaker":"Speaker 2","startTime":1233.82,"endTime":1233.82,"body":" "},{"speaker":"Speaker 2","startTime":1233.841,"endTime":1234.161,"body":"percent"},{"speaker":"Speaker 2","startTime":1234.161,"endTime":1234.161,"body":","},{"speaker":"Speaker 2","startTime":1234.161,"endTime":1234.161,"body":" "},{"speaker":"Speaker 2","startTime":1234.522,"endTime":1234.783,"body":"given"},{"speaker":"Speaker 2","startTime":1234.783,"endTime":1234.783,"body":" "},{"speaker":"Speaker 2","startTime":1234.803,"endTime":1234.863,"body":"the"},{"speaker":"Speaker 2","startTime":1234.863,"endTime":1234.863,"body":" "},{"speaker":"Speaker 2","startTime":1234.903,"endTime":1235.103,"body":"fact"},{"speaker":"Speaker 2","startTime":1235.103,"endTime":1235.103,"body":" "},{"speaker":"Speaker 2","startTime":1235.17,"endTime":1235.471,"body":"that"},{"speaker":"Speaker 2","startTime":1235.471,"endTime":1235.471,"body":" "},{"speaker":"Speaker 2","startTime":1236.353,"endTime":1236.453,"body":"the"},{"speaker":"Speaker 2","startTime":1236.453,"endTime":1236.453,"body":" "},{"speaker":"Speaker 2","startTime":1236.473,"endTime":1236.694,"body":"team"},{"speaker":"Speaker 2","startTime":1236.694,"endTime":1236.694,"body":" "},{"speaker":"Speaker 2","startTime":1236.734,"endTime":1236.794,"body":"is"},{"speaker":"Speaker 2","startTime":1236.794,"endTime":1236.794,"body":" "},{"speaker":"Speaker 2","startTime":1236.814,"endTime":1237.095,"body":"looking"},{"speaker":"Speaker 2","startTime":1237.095,"endTime":1237.095,"body":" "},{"speaker":"Speaker 2","startTime":1237.235,"endTime":1237.295,"body":"at"},{"speaker":"Speaker 2","startTime":1237.295,"endTime":1237.295,"body":" "},{"speaker":"Speaker 2","startTime":1237.335,"endTime":1237.456,"body":"your"},{"speaker":"Speaker 2","startTime":1237.456,"endTime":1237.456,"body":" "},{"speaker":"Speaker 2","startTime":1237.496,"endTime":1237.796,"body":"account"},{"speaker":"Speaker 2","startTime":1237.796,"endTime":1237.796,"body":" "},{"speaker":"Speaker 2","startTime":1238.097,"endTime":1238.177,"body":"on"},{"speaker":"Speaker 2","startTime":1238.177,"endTime":1238.177,"body":" "},{"speaker":"Speaker 2","startTime":1238.197,"endTime":1238.238,"body":"a"},{"speaker":"Speaker 2","startTime":1238.238,"endTime":1238.238,"body":" "},{"speaker":"Speaker 2","startTime":1238.318,"endTime":1238.598,"body":"daily"},{"speaker":"Speaker 2","startTime":1238.598,"endTime":1238.598,"body":" "},{"speaker":"Speaker 2","startTime":1238.639,"endTime":1238.959,"body":"basis"},{"speaker":"Speaker 2","startTime":1238.959,"endTime":1238.959,"body":" "},{"speaker":"Speaker 2","startTime":1239.019,"endTime":1239.38,"body":"throughout"},{"speaker":"Speaker 2","startTime":1239.38,"endTime":1239.38,"body":" "},{"speaker":"Speaker 2","startTime":1239.4,"endTime":1239.48,"body":"the"},{"speaker":"Speaker 2","startTime":1239.48,"endTime":1239.48,"body":" "},{"speaker":"Speaker 2","startTime":1239.541,"endTime":1239.741,"body":"day"},{"speaker":"Speaker 2","startTime":1239.741,"endTime":1239.741,"body":"."},{"speaker":"Speaker 2","startTime":1239.741,"endTime":1239.741,"body":" "},{"speaker":"Speaker 2","startTime":1240.71,"endTime":1240.79,"body":"And"},{"speaker":"Speaker 2","startTime":1240.79,"endTime":1240.79,"body":" "},{"speaker":"Speaker 2","startTime":1240.85,"endTime":1241.091,"body":"again"},{"speaker":"Speaker 2","startTime":1241.091,"endTime":1241.091,"body":","},{"speaker":"Speaker 2","startTime":1241.091,"endTime":1241.091,"body":" "},{"speaker":"Speaker 2","startTime":1241.11,"endTime":1241.511,"body":"it's"},{"speaker":"Speaker 2","startTime":1241.511,"endTime":1241.511,"body":" "},{"speaker":"Speaker 2","startTime":1241.551,"endTime":1241.671,"body":"this"},{"speaker":"Speaker 2","startTime":1241.671,"endTime":1241.671,"body":" "},{"speaker":"Speaker 2","startTime":1241.971,"endTime":1242.331,"body":"very"},{"speaker":"Speaker 2","startTime":1242.331,"endTime":1242.331,"body":" "},{"speaker":"Speaker 2","startTime":1242.952,"endTime":1243.832,"body":"institutionalized"},{"speaker":"Speaker 2","startTime":1243.832,"endTime":1243.832,"body":" "},{"speaker":"Speaker 2","startTime":1244.333,"endTime":1244.653,"body":"management"},{"speaker":"Speaker 2","startTime":1244.653,"endTime":1244.653,"body":" "},{"speaker":"Speaker 2","startTime":1244.673,"endTime":1245.073,"body":"process"},{"speaker":"Speaker 2","startTime":1245.073,"endTime":1245.073,"body":"."},{"speaker":"Speaker 2","startTime":1245.073,"endTime":1245.073,"body":" "},{"speaker":"Speaker 2","startTime":1246.15,"endTime":1246.632,"body":"That's"},{"speaker":"Speaker 2","startTime":1246.632,"endTime":1246.632,"body":" "},{"speaker":"Speaker 2","startTime":1246.652,"endTime":1246.753,"body":"right"},{"speaker":"Speaker 2","startTime":1246.753,"endTime":1246.753,"body":"."},{"speaker":"Speaker 2","startTime":1246.753,"endTime":1246.753,"body":" "},{"speaker":"Speaker 2","startTime":1246.753,"endTime":1246.753,"body":"\n"},{"speaker":"Speaker 1","startTime":1248.238,"endTime":1248.399,"body":"Who's"},{"speaker":"Speaker 1","startTime":1248.399,"endTime":1248.399,"body":" "},{"speaker":"Speaker 1","startTime":1248.419,"endTime":1248.519,"body":"the"},{"speaker":"Speaker 1","startTime":1248.519,"endTime":1248.519,"body":" "},{"speaker":"Speaker 1","startTime":1248.58,"endTime":1248.841,"body":"ideal"},{"speaker":"Speaker 1","startTime":1248.841,"endTime":1248.841,"body":" "},{"speaker":"Speaker 1","startTime":1248.901,"endTime":1249.202,"body":"client"},{"speaker":"Speaker 1","startTime":1249.202,"endTime":1249.202,"body":" "},{"speaker":"Speaker 1","startTime":1249.242,"endTime":1249.343,"body":"for"},{"speaker":"Speaker 1","startTime":1249.343,"endTime":1249.343,"body":" "},{"speaker":"Speaker 1","startTime":1249.363,"endTime":1249.523,"body":"this"},{"speaker":"Speaker 1","startTime":1249.523,"endTime":1249.523,"body":"?"},{"speaker":"Speaker 1","startTime":1249.523,"endTime":1249.523,"body":" "},{"speaker":"Speaker 1","startTime":1249.695,"endTime":1250.197,"body":"Obviously"},{"speaker":"Speaker 1","startTime":1250.197,"endTime":1250.197,"body":","},{"speaker":"Speaker 1","startTime":1250.197,"endTime":1250.197,"body":" "},{"speaker":"Speaker 1","startTime":1250.578,"endTime":1250.799,"body":"people"},{"speaker":"Speaker 1","startTime":1250.799,"endTime":1250.799,"body":" "},{"speaker":"Speaker 1","startTime":1250.839,"endTime":1250.939,"body":"with"},{"speaker":"Speaker 1","startTime":1250.939,"endTime":1250.939,"body":" "},{"speaker":"Speaker 1","startTime":1250.979,"endTime":1251.521,"body":"concentrated"},{"speaker":"Speaker 1","startTime":1251.521,"endTime":1251.521,"body":" "},{"speaker":"Speaker 1","startTime":1251.561,"endTime":1252.043,"body":"stocks"},{"speaker":"Speaker 1","startTime":1252.043,"endTime":1252.043,"body":"."},{"speaker":"Speaker 1","startTime":1252.043,"endTime":1252.043,"body":" "},{"speaker":"Speaker 1","startTime":1252.795,"endTime":1252.996,"body":"But"},{"speaker":"Speaker 1","startTime":1252.996,"endTime":1252.996,"body":" "},{"speaker":"Speaker 1","startTime":1253.056,"endTime":1253.136,"body":"if"},{"speaker":"Speaker 1","startTime":1253.136,"endTime":1253.136,"body":" "},{"speaker":"Speaker 1","startTime":1253.176,"endTime":1253.297,"body":"you"},{"speaker":"Speaker 1","startTime":1253.297,"endTime":1253.297,"body":" "},{"speaker":"Speaker 1","startTime":1253.357,"endTime":1253.577,"body":"have"},{"speaker":"Speaker 1","startTime":1253.577,"endTime":1253.577,"body":" "},{"speaker":"Speaker 1","startTime":1253.678,"endTime":1254.199,"body":"cash"},{"speaker":"Speaker 1","startTime":1254.199,"endTime":1254.199,"body":" "},{"speaker":"Speaker 1","startTime":1255.242,"endTime":1255.342,"body":"and"},{"speaker":"Speaker 1","startTime":1255.342,"endTime":1255.342,"body":" "},{"speaker":"Speaker 1","startTime":1255.362,"endTime":1255.463,"body":"you"},{"speaker":"Speaker 1","startTime":1255.463,"endTime":1255.463,"body":" "},{"speaker":"Speaker 1","startTime":1255.503,"endTime":1255.623,"body":"want"},{"speaker":"Speaker 1","startTime":1255.623,"endTime":1255.623,"body":" "},{"speaker":"Speaker 1","startTime":1255.663,"endTime":1255.743,"body":"to"},{"speaker":"Speaker 1","startTime":1255.743,"endTime":1255.743,"body":" "},{"speaker":"Speaker 1","startTime":1255.784,"endTime":1255.964,"body":"do"},{"speaker":"Speaker 1","startTime":1255.964,"endTime":1255.964,"body":" "},{"speaker":"Speaker 1","startTime":1256.084,"endTime":1256.285,"body":"this"},{"speaker":"Speaker 1","startTime":1256.285,"endTime":1256.285,"body":" "},{"speaker":"Speaker 1","startTime":1256.365,"endTime":1256.846,"body":"strategy"},{"speaker":"Speaker 1","startTime":1256.846,"endTime":1256.846,"body":" "},{"speaker":"Speaker 1","startTime":1256.955,"endTime":1257.336,"body":"versus"},{"speaker":"Speaker 1","startTime":1257.336,"endTime":1257.336,"body":" "},{"speaker":"Speaker 1","startTime":1257.376,"endTime":1257.456,"body":"the"},{"speaker":"Speaker 1","startTime":1257.456,"endTime":1257.456,"body":" "},{"speaker":"Speaker 1","startTime":1257.516,"endTime":1257.978,"body":"ETF"},{"speaker":"Speaker 1","startTime":1257.978,"endTime":1257.978,"body":" "},{"speaker":"Speaker 1","startTime":1258.76,"endTime":1259.221,"body":"models"},{"speaker":"Speaker 1","startTime":1259.221,"endTime":1259.221,"body":","},{"speaker":"Speaker 1","startTime":1259.221,"endTime":1259.221,"body":" "},{"speaker":"Speaker 1","startTime":1259.943,"endTime":1260.043,"body":"what"},{"speaker":"Speaker 1","startTime":1260.043,"endTime":1260.043,"body":" "},{"speaker":"Speaker 1","startTime":1260.063,"endTime":1260.203,"body":"would"},{"speaker":"Speaker 1","startTime":1260.203,"endTime":1260.203,"body":" "},{"speaker":"Speaker 1","startTime":1260.223,"endTime":1260.323,"body":"you"},{"speaker":"Speaker 1","startTime":1260.323,"endTime":1260.323,"body":" "},{"speaker":"Speaker 1","startTime":1260.364,"endTime":1260.564,"body":"say"},{"speaker":"Speaker 1","startTime":1260.564,"endTime":1260.564,"body":" "},{"speaker":"Speaker 1","startTime":1260.584,"endTime":1260.624,"body":"is"},{"speaker":"Speaker 1","startTime":1260.624,"endTime":1260.624,"body":" "},{"speaker":"Speaker 1","startTime":1260.644,"endTime":1260.865,"body":"needed"},{"speaker":"Speaker 1","startTime":1260.865,"endTime":1260.865,"body":"?"},{"speaker":"Speaker 1","startTime":1260.865,"endTime":1260.865,"body":" "},{"speaker":"Speaker 1","startTime":1260.865,"endTime":1260.865,"body":"\n"},{"speaker":"Speaker 2","startTime":1264.157,"endTime":1264.619,"body":"Yeah"},{"speaker":"Speaker 2","startTime":1264.619,"endTime":1264.619,"body":","},{"speaker":"Speaker 2","startTime":1264.619,"endTime":1264.619,"body":" "},{"speaker":"Speaker 2","startTime":1264.639,"endTime":1264.659,"body":"I"},{"speaker":"Speaker 2","startTime":1264.659,"endTime":1264.659,"body":" "},{"speaker":"Speaker 2","startTime":1265.842,"endTime":1266.003,"body":"would"},{"speaker":"Speaker 2","startTime":1266.003,"endTime":1266.003,"body":" "},{"speaker":"Speaker 2","startTime":1266.043,"endTime":1266.103,"body":"say"},{"speaker":"Speaker 2","startTime":1266.103,"endTime":1266.103,"body":" "},{"speaker":"Speaker 2","startTime":1266.283,"endTime":1266.384,"body":"we"},{"speaker":"Speaker 2","startTime":1266.384,"endTime":1266.384,"body":" "},{"speaker":"Speaker 2","startTime":1266.424,"endTime":1266.544,"body":"say"},{"speaker":"Speaker 2","startTime":1266.544,"endTime":1266.544,"body":" "},{"speaker":"Speaker 2","startTime":1266.604,"endTime":1266.725,"body":"high"},{"speaker":"Speaker 2","startTime":1266.725,"endTime":1266.725,"body":" "},{"speaker":"Speaker 2","startTime":1266.785,"endTime":1266.885,"body":"net"},{"speaker":"Speaker 2","startTime":1266.885,"endTime":1266.885,"body":" "},{"speaker":"Speaker 2","startTime":1266.905,"endTime":1267.045,"body":"worth"},{"speaker":"Speaker 2","startTime":1267.045,"endTime":1267.045,"body":" "},{"speaker":"Speaker 2","startTime":1267.086,"endTime":1267.366,"body":"client"},{"speaker":"Speaker 2","startTime":1267.366,"endTime":1267.366,"body":","},{"speaker":"Speaker 2","startTime":1267.366,"endTime":1267.366,"body":" "},{"speaker":"Speaker 2","startTime":1267.415,"endTime":1267.495,"body":"but"},{"speaker":"Speaker 2","startTime":1267.495,"endTime":1267.495,"body":" "},{"speaker":"Speaker 2","startTime":1267.555,"endTime":1267.676,"body":"I'd"},{"speaker":"Speaker 2","startTime":1267.676,"endTime":1267.676,"body":" "},{"speaker":"Speaker 2","startTime":1267.736,"endTime":1268.017,"body":"say"},{"speaker":"Speaker 2","startTime":1268.017,"endTime":1268.017,"body":" "},{"speaker":"Speaker 2","startTime":1268.297,"endTime":1268.798,"body":"generally"},{"speaker":"Speaker 2","startTime":1268.798,"endTime":1268.798,"body":" "},{"speaker":"Speaker 2","startTime":1269.4,"endTime":1270.663,"body":"having"},{"speaker":"Speaker 2","startTime":1270.663,"endTime":1270.663,"body":" "},{"speaker":"Speaker 2","startTime":1270.703,"endTime":1271.605,"body":"investable"},{"speaker":"Speaker 2","startTime":1271.605,"endTime":1271.605,"body":" "},{"speaker":"Speaker 2","startTime":1271.746,"endTime":1272.167,"body":"assets"},{"speaker":"Speaker 2","startTime":1272.167,"endTime":1272.167,"body":" "},{"speaker":"Speaker 2","startTime":1272.935,"endTime":1273.196,"body":"greater"},{"speaker":"Speaker 2","startTime":1273.196,"endTime":1273.196,"body":" "},{"speaker":"Speaker 2","startTime":1273.276,"endTime":1273.517,"body":"than"},{"speaker":"Speaker 2","startTime":1273.517,"endTime":1273.517,"body":","},{"speaker":"Speaker 2","startTime":1273.517,"endTime":1273.517,"body":" "},{"speaker":"Speaker 2","startTime":1273.537,"endTime":1273.999,"body":"I'd"},{"speaker":"Speaker 2","startTime":1273.999,"endTime":1273.999,"body":" "},{"speaker":"Speaker 2","startTime":1274.079,"endTime":1274.139,"body":"say"},{"speaker":"Speaker 2","startTime":1274.139,"endTime":1274.139,"body":","},{"speaker":"Speaker 2","startTime":1274.139,"endTime":1274.139,"body":" "},{"speaker":"Speaker 2","startTime":1274.16,"endTime":1275.364,"body":"$750,000"},{"speaker":"Speaker 2","startTime":1275.364,"endTime":1275.364,"body":","},{"speaker":"Speaker 2","startTime":1275.364,"endTime":1275.364,"body":" "},{"speaker":"Speaker 2","startTime":1275.455,"endTime":1275.596,"body":"but"},{"speaker":"Speaker 2","startTime":1275.596,"endTime":1275.596,"body":" "},{"speaker":"Speaker 2","startTime":1276.278,"endTime":1276.479,"body":"enough"},{"speaker":"Speaker 2","startTime":1276.479,"endTime":1276.479,"body":" "},{"speaker":"Speaker 2","startTime":1276.499,"endTime":1276.539,"body":"of"},{"speaker":"Speaker 2","startTime":1276.539,"endTime":1276.539,"body":" "},{"speaker":"Speaker 2","startTime":1276.76,"endTime":1277.182,"body":"investable"},{"speaker":"Speaker 2","startTime":1277.182,"endTime":1277.182,"body":" "},{"speaker":"Speaker 2","startTime":1277.302,"endTime":1277.643,"body":"assets"},{"speaker":"Speaker 2","startTime":1277.643,"endTime":1277.643,"body":" "},{"speaker":"Speaker 2","startTime":1277.755,"endTime":1277.876,"body":"to"},{"speaker":"Speaker 2","startTime":1277.876,"endTime":1277.876,"body":" "},{"speaker":"Speaker 2","startTime":1277.936,"endTime":1278.096,"body":"meet"},{"speaker":"Speaker 2","startTime":1278.096,"endTime":1278.096,"body":" "},{"speaker":"Speaker 2","startTime":1278.116,"endTime":1278.297,"body":"that"},{"speaker":"Speaker 2","startTime":1278.297,"endTime":1278.297,"body":" "},{"speaker":"Speaker 2","startTime":1278.357,"endTime":1278.798,"body":"investment"},{"speaker":"Speaker 2","startTime":1278.798,"endTime":1278.798,"body":" "},{"speaker":"Speaker 2","startTime":1278.839,"endTime":1279.24,"body":"minimum"},{"speaker":"Speaker 2","startTime":1279.24,"endTime":1279.24,"body":" "},{"speaker":"Speaker 2","startTime":1279.521,"endTime":1279.581,"body":"in"},{"speaker":"Speaker 2","startTime":1279.581,"endTime":1279.581,"body":" "},{"speaker":"Speaker 2","startTime":1279.621,"endTime":1279.701,"body":"the"},{"speaker":"Speaker 2","startTime":1279.701,"endTime":1279.701,"body":" "},{"speaker":"Speaker 2","startTime":1279.721,"endTime":1280.163,"body":"strategy"},{"speaker":"Speaker 2","startTime":1280.163,"endTime":1280.163,"body":"."},{"speaker":"Speaker 2","startTime":1280.163,"endTime":1280.163,"body":" "},{"speaker":"Speaker 2","startTime":1281.075,"endTime":1281.135,"body":"The"},{"speaker":"Speaker 2","startTime":1281.135,"endTime":1281.135,"body":" "},{"speaker":"Speaker 2","startTime":1281.155,"endTime":1281.377,"body":"investment"},{"speaker":"Speaker 2","startTime":1281.377,"endTime":1281.377,"body":" "},{"speaker":"Speaker 2","startTime":1281.397,"endTime":1281.678,"body":"minimum"},{"speaker":"Speaker 2","startTime":1281.678,"endTime":1281.678,"body":" "},{"speaker":"Speaker 2","startTime":1281.719,"endTime":1281.94,"body":"that"},{"speaker":"Speaker 2","startTime":1281.94,"endTime":1281.94,"body":" "},{"speaker":"Speaker 2","startTime":1282.242,"endTime":1282.342,"body":"our"},{"speaker":"Speaker 2","startTime":1282.342,"endTime":1282.342,"body":" "},{"speaker":"Speaker 2","startTime":1282.362,"endTime":1282.684,"body":"strategy"},{"speaker":"Speaker 2","startTime":1282.684,"endTime":1282.684,"body":" "},{"speaker":"Speaker 2","startTime":1282.704,"endTime":1282.865,"body":"has"},{"speaker":"Speaker 2","startTime":1282.865,"endTime":1282.865,"body":" "},{"speaker":"Speaker 2","startTime":1282.906,"endTime":1282.966,"body":"is"},{"speaker":"Speaker 2","startTime":1282.966,"endTime":1282.966,"body":" "},{"speaker":"Speaker 2","startTime":1282.986,"endTime":1284.515,"body":"$100,000"},{"speaker":"Speaker 2","startTime":1284.515,"endTime":1284.515,"body":","},{"speaker":"Speaker 2","startTime":1284.515,"endTime":1284.515,"body":" "},{"speaker":"Speaker 2","startTime":1284.656,"endTime":1284.776,"body":"which"},{"speaker":"Speaker 2","startTime":1284.776,"endTime":1284.776,"body":" "},{"speaker":"Speaker 2","startTime":1284.836,"endTime":1284.897,"body":"is"},{"speaker":"Speaker 2","startTime":1284.897,"endTime":1284.897,"body":" "},{"speaker":"Speaker 2","startTime":1284.957,"endTime":1285.198,"body":"lower"},{"speaker":"Speaker 2","startTime":1285.198,"endTime":1285.198,"body":" "},{"speaker":"Speaker 2","startTime":1285.258,"endTime":1285.619,"body":"compared"},{"speaker":"Speaker 2","startTime":1285.619,"endTime":1285.619,"body":" "},{"speaker":"Speaker 2","startTime":1285.66,"endTime":1285.74,"body":"to"},{"speaker":"Speaker 2","startTime":1285.74,"endTime":1285.74,"body":" "},{"speaker":"Speaker 2","startTime":1285.76,"endTime":1285.82,"body":"the"},{"speaker":"Speaker 2","startTime":1285.82,"endTime":1285.82,"body":" "},{"speaker":"Speaker 2","startTime":1285.86,"endTime":1286.202,"body":"industry"},{"speaker":"Speaker 2","startTime":1286.202,"endTime":1286.202,"body":" "},{"speaker":"Speaker 2","startTime":1286.222,"endTime":1286.523,"body":"standard"},{"speaker":"Speaker 2","startTime":1286.523,"endTime":1286.523,"body":","},{"speaker":"Speaker 2","startTime":1286.523,"endTime":1286.523,"body":" "},{"speaker":"Speaker 2","startTime":1286.615,"endTime":1286.716,"body":"which"},{"speaker":"Speaker 2","startTime":1286.716,"endTime":1286.716,"body":" "},{"speaker":"Speaker 2","startTime":1286.756,"endTime":1286.836,"body":"is"},{"speaker":"Speaker 2","startTime":1286.836,"endTime":1286.836,"body":" "},{"speaker":"Speaker 2","startTime":1286.856,"endTime":1287.901,"body":"$250,000"},{"speaker":"Speaker 2","startTime":1287.901,"endTime":1287.901,"body":"."},{"speaker":"Speaker 2","startTime":1287.901,"endTime":1287.901,"body":" "},{"speaker":"Speaker 2","startTime":1287.901,"endTime":1287.901,"body":"\n"},{"speaker":"Speaker 1","startTime":1288.175,"endTime":1288.215,"body":"So"},{"speaker":"Speaker 1","startTime":1288.215,"endTime":1288.215,"body":" "},{"speaker":"Speaker 1","startTime":1288.276,"endTime":1288.356,"body":"if"},{"speaker":"Speaker 1","startTime":1288.356,"endTime":1288.356,"body":" "},{"speaker":"Speaker 1","startTime":1288.396,"endTime":1288.517,"body":"you're"},{"speaker":"Speaker 1","startTime":1288.517,"endTime":1288.517,"body":" "},{"speaker":"Speaker 1","startTime":1288.577,"endTime":1288.858,"body":"large"},{"speaker":"Speaker 1","startTime":1288.858,"endTime":1288.858,"body":" "},{"speaker":"Speaker 1","startTime":1288.899,"endTime":1289.14,"body":"cap"},{"speaker":"Speaker 1","startTime":1289.14,"endTime":1289.14,"body":","},{"speaker":"Speaker 1","startTime":1289.14,"endTime":1289.14,"body":" "},{"speaker":"Speaker 1","startTime":1289.315,"endTime":1289.496,"body":"we're"},{"speaker":"Speaker 1","startTime":1289.496,"endTime":1289.496,"body":" "},{"speaker":"Speaker 1","startTime":1289.516,"endTime":1289.636,"body":"only"},{"speaker":"Speaker 1","startTime":1289.636,"endTime":1289.636,"body":" "},{"speaker":"Speaker 1","startTime":1289.676,"endTime":1289.857,"body":"doing"},{"speaker":"Speaker 1","startTime":1289.857,"endTime":1289.857,"body":" "},{"speaker":"Speaker 1","startTime":1289.877,"endTime":1289.997,"body":"this"},{"speaker":"Speaker 1","startTime":1289.997,"endTime":1289.997,"body":" "},{"speaker":"Speaker 1","startTime":1290.058,"endTime":1290.138,"body":"in"},{"speaker":"Speaker 1","startTime":1290.138,"endTime":1290.138,"body":" "},{"speaker":"Speaker 1","startTime":1290.158,"endTime":1290.419,"body":"large"},{"speaker":"Speaker 1","startTime":1290.419,"endTime":1290.419,"body":" "},{"speaker":"Speaker 1","startTime":1290.439,"endTime":1290.64,"body":"cap"},{"speaker":"Speaker 1","startTime":1290.64,"endTime":1290.64,"body":" "},{"speaker":"Speaker 1","startTime":1290.68,"endTime":1290.921,"body":"space"},{"speaker":"Speaker 1","startTime":1290.921,"endTime":1290.921,"body":" "},{"speaker":"Speaker 1","startTime":1290.961,"endTime":1291.101,"body":"right"},{"speaker":"Speaker 1","startTime":1291.101,"endTime":1291.101,"body":" "},{"speaker":"Speaker 1","startTime":1291.142,"endTime":1291.242,"body":"now"},{"speaker":"Speaker 1","startTime":1291.242,"endTime":1291.242,"body":" "},{"speaker":"Speaker 1","startTime":1292.015,"endTime":1292.135,"body":"so"},{"speaker":"Speaker 1","startTime":1292.135,"endTime":1292.135,"body":" "},{"speaker":"Speaker 1","startTime":1292.176,"endTime":1292.216,"body":"if"},{"speaker":"Speaker 1","startTime":1292.216,"endTime":1292.216,"body":" "},{"speaker":"Speaker 1","startTime":1292.256,"endTime":1292.376,"body":"your"},{"speaker":"Speaker 1","startTime":1292.376,"endTime":1292.376,"body":" "},{"speaker":"Speaker 1","startTime":1292.416,"endTime":1292.677,"body":"large"},{"speaker":"Speaker 1","startTime":1292.677,"endTime":1292.677,"body":" "},{"speaker":"Speaker 1","startTime":1292.737,"endTime":1293.078,"body":"cap"},{"speaker":"Speaker 1","startTime":1293.078,"endTime":1293.078,"body":" "},{"speaker":"Speaker 1","startTime":1293.279,"endTime":1293.84,"body":"allocation"},{"speaker":"Speaker 1","startTime":1293.84,"endTime":1293.84,"body":" "},{"speaker":"Speaker 1","startTime":1293.881,"endTime":1294.001,"body":"was"},{"speaker":"Speaker 1","startTime":1294.001,"endTime":1294.001,"body":" "},{"speaker":"Speaker 1","startTime":1294.061,"endTime":1294.121,"body":"at"},{"speaker":"Speaker 1","startTime":1294.121,"endTime":1294.121,"body":" "},{"speaker":"Speaker 1","startTime":1294.182,"endTime":1294.402,"body":"least"},{"speaker":"Speaker 1","startTime":1294.402,"endTime":1294.402,"body":" "},{"speaker":"Speaker 1","startTime":1294.442,"endTime":1295.365,"body":"$100,000"},{"speaker":"Speaker 1","startTime":1295.365,"endTime":1295.365,"body":","},{"speaker":"Speaker 1","startTime":1295.365,"endTime":1295.365,"body":" "},{"speaker":"Speaker 1","startTime":1295.735,"endTime":1295.795,"body":"we"},{"speaker":"Speaker 1","startTime":1295.795,"endTime":1295.795,"body":" "},{"speaker":"Speaker 1","startTime":1295.815,"endTime":1295.936,"body":"could"},{"speaker":"Speaker 1","startTime":1295.936,"endTime":1295.936,"body":" "},{"speaker":"Speaker 1","startTime":1295.956,"endTime":1296.337,"body":"technically"},{"speaker":"Speaker 1","startTime":1296.337,"endTime":1296.337,"body":" "},{"speaker":"Speaker 1","startTime":1296.378,"endTime":1296.619,"body":"make"},{"speaker":"Speaker 1","startTime":1296.619,"endTime":1296.619,"body":" "},{"speaker":"Speaker 1","startTime":1296.699,"endTime":1296.86,"body":"this"},{"speaker":"Speaker 1","startTime":1296.86,"endTime":1296.86,"body":" "},{"speaker":"Speaker 1","startTime":1296.9,"endTime":1297.121,"body":"work"},{"speaker":"Speaker 1","startTime":1297.121,"endTime":1297.121,"body":"."},{"speaker":"Speaker 1","startTime":1297.121,"endTime":1297.121,"body":" "},{"speaker":"Speaker 1","startTime":1297.121,"endTime":1297.121,"body":"\n"},{"speaker":"Speaker 2","startTime":1297.815,"endTime":1298.136,"body":"Correct"},{"speaker":"Speaker 2","startTime":1298.136,"endTime":1298.136,"body":","},{"speaker":"Speaker 2","startTime":1298.136,"endTime":1298.136,"body":" "},{"speaker":"Speaker 2","startTime":1298.236,"endTime":1298.296,"body":"and"},{"speaker":"Speaker 2","startTime":1298.296,"endTime":1298.296,"body":" "},{"speaker":"Speaker 2","startTime":1298.316,"endTime":1298.456,"body":"then"},{"speaker":"Speaker 2","startTime":1298.456,"endTime":1298.456,"body":" "},{"speaker":"Speaker 2","startTime":1298.637,"endTime":1298.677,"body":"I"},{"speaker":"Speaker 2","startTime":1298.677,"endTime":1298.677,"body":" "},{"speaker":"Speaker 2","startTime":1298.717,"endTime":1298.877,"body":"would"},{"speaker":"Speaker 2","startTime":1298.877,"endTime":1298.877,"body":" "},{"speaker":"Speaker 2","startTime":1299.038,"endTime":1299.418,"body":"also"},{"speaker":"Speaker 2","startTime":1299.418,"endTime":1299.418,"body":" "},{"speaker":"Speaker 2","startTime":1299.639,"endTime":1299.759,"body":"add"},{"speaker":"Speaker 2","startTime":1299.759,"endTime":1299.759,"body":" "},{"speaker":"Speaker 2","startTime":1299.899,"endTime":1300.661,"body":"in"},{"speaker":"Speaker 2","startTime":1300.661,"endTime":1300.661,"body":" "},{"speaker":"Speaker 2","startTime":1301.202,"endTime":1301.803,"body":"taxable"},{"speaker":"Speaker 2","startTime":1301.803,"endTime":1301.803,"body":" "},{"speaker":"Speaker 2","startTime":1302.505,"endTime":1302.926,"body":"accounts"},{"speaker":"Speaker 2","startTime":1302.926,"endTime":1302.926,"body":"."},{"speaker":"Speaker 2","startTime":1302.926,"endTime":1302.926,"body":" "},{"speaker":"Speaker 2","startTime":1302.926,"endTime":1302.926,"body":"\n"},{"speaker":"Speaker 1","startTime":1303.307,"endTime":1303.407,"body":"That"},{"speaker":"Speaker 1","startTime":1303.407,"endTime":1303.407,"body":" "},{"speaker":"Speaker 1","startTime":1303.447,"endTime":1303.547,"body":"was"},{"speaker":"Speaker 1","startTime":1303.547,"endTime":1303.547,"body":" "},{"speaker":"Speaker 1","startTime":1303.587,"endTime":1303.647,"body":"my"},{"speaker":"Speaker 1","startTime":1303.647,"endTime":1303.647,"body":" "},{"speaker":"Speaker 1","startTime":1303.708,"endTime":1303.868,"body":"next"},{"speaker":"Speaker 1","startTime":1303.868,"endTime":1303.868,"body":" "},{"speaker":"Speaker 1","startTime":1303.908,"endTime":1304.148,"body":"point"},{"speaker":"Speaker 1","startTime":1304.148,"endTime":1304.148,"body":"."},{"speaker":"Speaker 1","startTime":1304.148,"endTime":1304.148,"body":" "},{"speaker":"Speaker 1","startTime":1304.275,"endTime":1304.375,"body":"Yeah"},{"speaker":"Speaker 1","startTime":1304.375,"endTime":1304.375,"body":","},{"speaker":"Speaker 1","startTime":1304.375,"endTime":1304.375,"body":" "},{"speaker":"Speaker 1","startTime":1304.396,"endTime":1304.456,"body":"if"},{"speaker":"Speaker 1","startTime":1304.456,"endTime":1304.456,"body":" "},{"speaker":"Speaker 1","startTime":1304.476,"endTime":1304.556,"body":"you"},{"speaker":"Speaker 1","startTime":1304.556,"endTime":1304.556,"body":" "},{"speaker":"Speaker 1","startTime":1304.576,"endTime":1304.676,"body":"have"},{"speaker":"Speaker 1","startTime":1304.676,"endTime":1304.676,"body":" "},{"speaker":"Speaker 1","startTime":1304.717,"endTime":1304.757,"body":"an"},{"speaker":"Speaker 1","startTime":1304.757,"endTime":1304.757,"body":" "},{"speaker":"Speaker 1","startTime":1304.837,"endTime":1305.198,"body":"IRA"},{"speaker":"Speaker 1","startTime":1305.198,"endTime":1305.198,"body":","},{"speaker":"Speaker 1","startTime":1305.198,"endTime":1305.198,"body":" "},{"speaker":"Speaker 1","startTime":1305.218,"endTime":1305.379,"body":"there's"},{"speaker":"Speaker 1","startTime":1305.379,"endTime":1305.379,"body":" "},{"speaker":"Speaker 1","startTime":1305.399,"endTime":1305.479,"body":"no"},{"speaker":"Speaker 1","startTime":1305.479,"endTime":1305.479,"body":" "},{"speaker":"Speaker 1","startTime":1305.519,"endTime":1305.72,"body":"reason"},{"speaker":"Speaker 1","startTime":1305.72,"endTime":1305.72,"body":" "},{"speaker":"Speaker 1","startTime":1305.74,"endTime":1305.8,"body":"to"},{"speaker":"Speaker 1","startTime":1305.8,"endTime":1305.8,"body":" "},{"speaker":"Speaker 1","startTime":1305.82,"endTime":1305.901,"body":"be"},{"speaker":"Speaker 1","startTime":1305.901,"endTime":1305.901,"body":" "},{"speaker":"Speaker 1","startTime":1305.941,"endTime":1306.141,"body":"doing"},{"speaker":"Speaker 1","startTime":1306.141,"endTime":1306.141,"body":" "},{"speaker":"Speaker 1","startTime":1306.161,"endTime":1306.242,"body":"this"},{"speaker":"Speaker 1","startTime":1306.242,"endTime":1306.242,"body":"."},{"speaker":"Speaker 1","startTime":1306.242,"endTime":1306.242,"body":" "},{"speaker":"Speaker 1","startTime":1307.195,"endTime":1307.275,"body":"You"},{"speaker":"Speaker 1","startTime":1307.275,"endTime":1307.275,"body":" "},{"speaker":"Speaker 1","startTime":1307.316,"endTime":1307.516,"body":"can't"},{"speaker":"Speaker 1","startTime":1307.516,"endTime":1307.516,"body":" "},{"speaker":"Speaker 1","startTime":1307.557,"endTime":1308.179,"body":"generate"},{"speaker":"Speaker 1","startTime":1308.179,"endTime":1308.179,"body":" "},{"speaker":"Speaker 1","startTime":1308.299,"endTime":1308.46,"body":"any"},{"speaker":"Speaker 1","startTime":1308.46,"endTime":1308.46,"body":" "},{"speaker":"Speaker 1","startTime":1308.5,"endTime":1308.741,"body":"tax"},{"speaker":"Speaker 1","startTime":1308.741,"endTime":1308.741,"body":" "},{"speaker":"Speaker 1","startTime":1308.761,"endTime":1309.062,"body":"credits"},{"speaker":"Speaker 1","startTime":1309.062,"endTime":1309.062,"body":" "},{"speaker":"Speaker 1","startTime":1309.102,"endTime":1309.243,"body":"there"},{"speaker":"Speaker 1","startTime":1309.243,"endTime":1309.243,"body":"."},{"speaker":"Speaker 1","startTime":1309.243,"endTime":1309.243,"body":" "},{"speaker":"Speaker 1","startTime":1310.358,"endTime":1310.398,"body":"So"},{"speaker":"Speaker 1","startTime":1310.398,"endTime":1310.398,"body":" "},{"speaker":"Speaker 1","startTime":1310.478,"endTime":1310.639,"body":"this"},{"speaker":"Speaker 1","startTime":1310.639,"endTime":1310.639,"body":" "},{"speaker":"Speaker 1","startTime":1310.699,"endTime":1310.759,"body":"is"},{"speaker":"Speaker 1","startTime":1310.759,"endTime":1310.759,"body":" "},{"speaker":"Speaker 1","startTime":1310.799,"endTime":1311.02,"body":"gonna"},{"speaker":"Speaker 1","startTime":1311.02,"endTime":1311.02,"body":" "},{"speaker":"Speaker 1","startTime":1311.04,"endTime":1311.241,"body":"be"},{"speaker":"Speaker 1","startTime":1311.241,"endTime":1311.241,"body":" "},{"speaker":"Speaker 1","startTime":1311.903,"endTime":1312.023,"body":"for"},{"speaker":"Speaker 1","startTime":1312.023,"endTime":1312.023,"body":" "},{"speaker":"Speaker 1","startTime":1312.123,"endTime":1312.524,"body":"brokerage"},{"speaker":"Speaker 1","startTime":1312.524,"endTime":1312.524,"body":" "},{"speaker":"Speaker 1","startTime":1312.585,"endTime":1312.926,"body":"accounts"},{"speaker":"Speaker 1","startTime":1312.926,"endTime":1312.926,"body":","},{"speaker":"Speaker 1","startTime":1312.926,"endTime":1312.926,"body":" "},{"speaker":"Speaker 1","startTime":1313.557,"endTime":1313.717,"body":"only"},{"speaker":"Speaker 1","startTime":1313.717,"endTime":1313.717,"body":" "},{"speaker":"Speaker 1","startTime":1313.797,"endTime":1313.857,"body":"the"},{"speaker":"Speaker 1","startTime":1313.857,"endTime":1313.857,"body":" "},{"speaker":"Speaker 1","startTime":1313.877,"endTime":1314.158,"body":"accounts"},{"speaker":"Speaker 1","startTime":1314.158,"endTime":1314.158,"body":" "},{"speaker":"Speaker 1","startTime":1314.198,"endTime":1314.359,"body":"that"},{"speaker":"Speaker 1","startTime":1314.359,"endTime":1314.359,"body":" "},{"speaker":"Speaker 1","startTime":1314.399,"endTime":1314.941,"body":"basically"},{"speaker":"Speaker 1","startTime":1314.941,"endTime":1314.941,"body":" "},{"speaker":"Speaker 1","startTime":1315.061,"endTime":1315.141,"body":"are"},{"speaker":"Speaker 1","startTime":1315.141,"endTime":1315.141,"body":" "},{"speaker":"Speaker 1","startTime":1315.181,"endTime":1315.382,"body":"not"},{"speaker":"Speaker 1","startTime":1315.382,"endTime":1315.382,"body":" "},{"speaker":"Speaker 1","startTime":1315.663,"endTime":1315.943,"body":"IRA"},{"speaker":"Speaker 1","startTime":1315.943,"endTime":1315.943,"body":" "},{"speaker":"Speaker 1","startTime":1315.984,"endTime":1316.084,"body":"or"},{"speaker":"Speaker 1","startTime":1316.084,"endTime":1316.084,"body":" "},{"speaker":"Speaker 1","startTime":1316.144,"endTime":1316.425,"body":"Roth"},{"speaker":"Speaker 1","startTime":1316.425,"endTime":1316.425,"body":" "},{"speaker":"Speaker 1","startTime":1318.13,"endTime":1318.571,"body":"qualified"},{"speaker":"Speaker 1","startTime":1318.571,"endTime":1318.571,"body":"."},{"speaker":"Speaker 1","startTime":1318.571,"endTime":1318.571,"body":" "},{"speaker":"Speaker 1","startTime":1320.997,"endTime":1321.118,"body":"So"},{"speaker":"Speaker 1","startTime":1321.118,"endTime":1321.118,"body":","},{"speaker":"Speaker 1","startTime":1321.118,"endTime":1321.118,"body":" "},{"speaker":"Speaker 1","startTime":1321.158,"endTime":1322.021,"body":"ideally"},{"speaker":"Speaker 1","startTime":1322.021,"endTime":1322.021,"body":","},{"speaker":"Speaker 1","startTime":1322.021,"endTime":1322.021,"body":" "},{"speaker":"Speaker 1","startTime":1322.041,"endTime":1322.161,"body":"just"},{"speaker":"Speaker 1","startTime":1322.161,"endTime":1322.161,"body":" "},{"speaker":"Speaker 1","startTime":1322.182,"endTime":1322.282,"body":"do"},{"speaker":"Speaker 1","startTime":1322.282,"endTime":1322.282,"body":" "},{"speaker":"Speaker 1","startTime":1322.322,"endTime":1322.402,"body":"the"},{"speaker":"Speaker 1","startTime":1322.402,"endTime":1322.402,"body":" "},{"speaker":"Speaker 1","startTime":1322.422,"endTime":1322.703,"body":"math"},{"speaker":"Speaker 1","startTime":1322.703,"endTime":1322.703,"body":"."},{"speaker":"Speaker 1","startTime":1322.703,"endTime":1322.703,"body":" "},{"speaker":"Speaker 1","startTime":1322.875,"endTime":1322.915,"body":"I"},{"speaker":"Speaker 1","startTime":1322.915,"endTime":1322.915,"body":" "},{"speaker":"Speaker 1","startTime":1322.955,"endTime":1323.136,"body":"mean"},{"speaker":"Speaker 1","startTime":1323.136,"endTime":1323.136,"body":","},{"speaker":"Speaker 1","startTime":1323.136,"endTime":1323.136,"body":" "},{"speaker":"Speaker 1","startTime":1323.417,"endTime":1323.577,"body":"let's"},{"speaker":"Speaker 1","startTime":1323.577,"endTime":1323.577,"body":" "},{"speaker":"Speaker 1","startTime":1323.597,"endTime":1323.718,"body":"say"},{"speaker":"Speaker 1","startTime":1323.718,"endTime":1323.718,"body":" "},{"speaker":"Speaker 1","startTime":1323.758,"endTime":1323.918,"body":"it's"},{"speaker":"Speaker 1","startTime":1323.918,"endTime":1323.918,"body":" "},{"speaker":"Speaker 1","startTime":1324.099,"endTime":1325.603,"body":"$200,000"},{"speaker":"Speaker 1","startTime":1325.603,"endTime":1325.603,"body":" "},{"speaker":"Speaker 1","startTime":1325.623,"endTime":1325.684,"body":"in"},{"speaker":"Speaker 1","startTime":1325.684,"endTime":1325.684,"body":" "},{"speaker":"Speaker 1","startTime":1325.724,"endTime":1325.844,"body":"this"},{"speaker":"Speaker 1","startTime":1325.844,"endTime":1325.844,"body":" "},{"speaker":"Speaker 1","startTime":1325.864,"endTime":1326.386,"body":"strategy"},{"speaker":"Speaker 1","startTime":1326.386,"endTime":1326.386,"body":","},{"speaker":"Speaker 1","startTime":1326.386,"endTime":1326.386,"body":" "},{"speaker":"Speaker 1","startTime":1326.515,"endTime":1326.676,"body":"so"},{"speaker":"Speaker 1","startTime":1326.676,"endTime":1326.676,"body":" "},{"speaker":"Speaker 1","startTime":1326.716,"endTime":1327.699,"body":"$200,000"},{"speaker":"Speaker 1","startTime":1327.699,"endTime":1327.699,"body":" "},{"speaker":"Speaker 1","startTime":1327.719,"endTime":1328.08,"body":"in"},{"speaker":"Speaker 1","startTime":1328.08,"endTime":1328.08,"body":" "},{"speaker":"Speaker 1","startTime":1328.1,"endTime":1328.14,"body":"a"},{"speaker":"Speaker 1","startTime":1328.14,"endTime":1328.14,"body":" "},{"speaker":"Speaker 1","startTime":1328.18,"endTime":1328.421,"body":"large"},{"speaker":"Speaker 1","startTime":1328.421,"endTime":1328.421,"body":" "},{"speaker":"Speaker 1","startTime":1328.441,"endTime":1328.682,"body":"cap"},{"speaker":"Speaker 1","startTime":1328.682,"endTime":1328.682,"body":" "},{"speaker":"Speaker 1","startTime":1328.722,"endTime":1329.343,"body":"exposure"},{"speaker":"Speaker 1","startTime":1329.343,"endTime":1329.343,"body":" "},{"speaker":"Speaker 1","startTime":1329.404,"endTime":1329.464,"body":"is"},{"speaker":"Speaker 1","startTime":1329.464,"endTime":1329.464,"body":" "},{"speaker":"Speaker 1","startTime":1329.644,"endTime":1329.725,"body":"at"},{"speaker":"Speaker 1","startTime":1329.725,"endTime":1329.725,"body":" "},{"speaker":"Speaker 1","startTime":1329.765,"endTime":1329.945,"body":"least"},{"speaker":"Speaker 1","startTime":1329.945,"endTime":1329.945,"body":" "},{"speaker":"Speaker 1","startTime":1330.006,"endTime":1330.166,"body":"what"},{"speaker":"Speaker 1","startTime":1330.166,"endTime":1330.166,"body":"?"},{"speaker":"Speaker 1","startTime":1330.166,"endTime":1330.166,"body":" "},{"speaker":"Speaker 1","startTime":1330.166,"endTime":1330.166,"body":"\n"},{"speaker":"Speaker 2","startTime":1330.215,"endTime":1331.077,"body":"35%"},{"speaker":"Speaker 2","startTime":1331.077,"endTime":1331.077,"body":" "},{"speaker":"Speaker 2","startTime":1331.298,"endTime":1331.358,"body":"in"},{"speaker":"Speaker 2","startTime":1331.358,"endTime":1331.358,"body":" "},{"speaker":"Speaker 2","startTime":1331.438,"endTime":1331.98,"body":"the"},{"speaker":"Speaker 2","startTime":1331.98,"endTime":1331.98,"body":" "},{"speaker":"Speaker 2","startTime":1332.0,"endTime":1332.241,"body":"most"},{"speaker":"Speaker 2","startTime":1332.241,"endTime":1332.241,"body":" "},{"speaker":"Speaker 2","startTime":1332.261,"endTime":1332.983,"body":"conservative"},{"speaker":"Speaker 2","startTime":1332.983,"endTime":1332.983,"body":" "},{"speaker":"Speaker 2","startTime":1333.264,"endTime":1333.645,"body":"models"},{"speaker":"Speaker 2","startTime":1333.645,"endTime":1333.645,"body":"."},{"speaker":"Speaker 2","startTime":1333.645,"endTime":1333.645,"body":" "},{"speaker":"Speaker 2","startTime":1333.645,"endTime":1333.645,"body":"\n"},{"speaker":"Speaker 1","startTime":1334.275,"endTime":1334.496,"body":"So"},{"speaker":"Speaker 1","startTime":1334.496,"endTime":1334.496,"body":" "},{"speaker":"Speaker 1","startTime":1334.596,"endTime":1336.1,"body":"$570,000"},{"speaker":"Speaker 1","startTime":1336.1,"endTime":1336.1,"body":","},{"speaker":"Speaker 1","startTime":1336.1,"endTime":1336.1,"body":" "},{"speaker":"Speaker 1","startTime":1336.12,"endTime":1336.2,"body":"so"},{"speaker":"Speaker 1","startTime":1336.2,"endTime":1336.2,"body":","},{"speaker":"Speaker 1","startTime":1336.2,"endTime":1336.2,"body":" "},{"speaker":"Speaker 1","startTime":1336.22,"endTime":1336.341,"body":"yeah"},{"speaker":"Speaker 1","startTime":1336.341,"endTime":1336.341,"body":","},{"speaker":"Speaker 1","startTime":1336.341,"endTime":1336.341,"body":" "},{"speaker":"Speaker 1","startTime":1336.541,"endTime":1336.802,"body":"probably"},{"speaker":"Speaker 1","startTime":1336.802,"endTime":1336.802,"body":" "},{"speaker":"Speaker 1","startTime":1336.822,"endTime":1337.002,"body":"that"},{"speaker":"Speaker 1","startTime":1337.002,"endTime":1337.002,"body":" "},{"speaker":"Speaker 1","startTime":1337.163,"endTime":1338.406,"body":"$570,000"},{"speaker":"Speaker 1","startTime":1338.406,"endTime":1338.406,"body":" "},{"speaker":"Speaker 1","startTime":1338.426,"endTime":1338.627,"body":"range"},{"speaker":"Speaker 1","startTime":1338.627,"endTime":1338.627,"body":" "},{"speaker":"Speaker 1","startTime":1338.675,"endTime":1338.715,"body":"is"},{"speaker":"Speaker 1","startTime":1338.715,"endTime":1338.715,"body":" "},{"speaker":"Speaker 1","startTime":1338.755,"endTime":1338.775,"body":"a"},{"speaker":"Speaker 1","startTime":1338.775,"endTime":1338.775,"body":" "},{"speaker":"Speaker 1","startTime":1338.815,"endTime":1338.936,"body":"good"},{"speaker":"Speaker 1","startTime":1338.936,"endTime":1338.936,"body":" "},{"speaker":"Speaker 1","startTime":1338.956,"endTime":1339.177,"body":"place"},{"speaker":"Speaker 1","startTime":1339.177,"endTime":1339.177,"body":" "},{"speaker":"Speaker 1","startTime":1339.197,"endTime":1339.277,"body":"to"},{"speaker":"Speaker 1","startTime":1339.277,"endTime":1339.277,"body":" "},{"speaker":"Speaker 1","startTime":1339.317,"endTime":1339.598,"body":"start"},{"speaker":"Speaker 1","startTime":1339.598,"endTime":1339.598,"body":" "},{"speaker":"Speaker 1","startTime":1339.698,"endTime":1339.899,"body":"inside"},{"speaker":"Speaker 1","startTime":1339.899,"endTime":1339.899,"body":" "},{"speaker":"Speaker 1","startTime":1339.939,"endTime":1339.98,"body":"a"},{"speaker":"Speaker 1","startTime":1339.98,"endTime":1339.98,"body":" "},{"speaker":"Speaker 1","startTime":1340.0,"endTime":1340.26,"body":"brokerage"},{"speaker":"Speaker 1","startTime":1340.26,"endTime":1340.26,"body":" "},{"speaker":"Speaker 1","startTime":1340.281,"endTime":1340.622,"body":"account"},{"speaker":"Speaker 1","startTime":1340.622,"endTime":1340.622,"body":"."},{"speaker":"Speaker 1","startTime":1340.622,"endTime":1340.622,"body":" "},{"speaker":"Speaker 1","startTime":1341.455,"endTime":1341.535,"body":"Now"},{"speaker":"Speaker 1","startTime":1341.535,"endTime":1341.535,"body":","},{"speaker":"Speaker 1","startTime":1341.535,"endTime":1341.535,"body":" "},{"speaker":"Speaker 1","startTime":1341.555,"endTime":1341.616,"body":"if"},{"speaker":"Speaker 1","startTime":1341.616,"endTime":1341.616,"body":" "},{"speaker":"Speaker 1","startTime":1341.636,"endTime":1341.756,"body":"you"},{"speaker":"Speaker 1","startTime":1341.756,"endTime":1341.756,"body":" "},{"speaker":"Speaker 1","startTime":1341.796,"endTime":1341.937,"body":"have"},{"speaker":"Speaker 1","startTime":1341.937,"endTime":1341.937,"body":" "},{"speaker":"Speaker 1","startTime":1341.997,"endTime":1342.117,"body":"an"},{"speaker":"Speaker 1","startTime":1342.117,"endTime":1342.117,"body":" "},{"speaker":"Speaker 1","startTime":1342.137,"endTime":1342.498,"body":"ETF"},{"speaker":"Speaker 1","startTime":1342.498,"endTime":1342.498,"body":" "},{"speaker":"Speaker 1","startTime":1342.559,"endTime":1342.84,"body":"IRA"},{"speaker":"Speaker 1","startTime":1342.84,"endTime":1342.84,"body":" "},{"speaker":"Speaker 1","startTime":1342.86,"endTime":1342.98,"body":"that"},{"speaker":"Speaker 1","startTime":1342.98,"endTime":1342.98,"body":" "},{"speaker":"Speaker 1","startTime":1343.0,"endTime":1343.161,"body":"has"},{"speaker":"Speaker 1","startTime":1343.161,"endTime":1343.161,"body":" "},{"speaker":"Speaker 1","startTime":1343.181,"endTime":1343.682,"body":"significant"},{"speaker":"Speaker 1","startTime":1343.682,"endTime":1343.682,"body":" "},{"speaker":"Speaker 1","startTime":1343.723,"endTime":1344.124,"body":"gains"},{"speaker":"Speaker 1","startTime":1344.124,"endTime":1344.124,"body":"."},{"speaker":"Speaker 1","startTime":1344.124,"endTime":1344.124,"body":" "},{"speaker":"Speaker 1","startTime":1345.675,"endTime":1346.318,"body":"Unfortunately"},{"speaker":"Speaker 1","startTime":1346.318,"endTime":1346.318,"body":","},{"speaker":"Speaker 1","startTime":1346.318,"endTime":1346.318,"body":" "},{"speaker":"Speaker 1","startTime":1346.378,"endTime":1346.559,"body":"that's"},{"speaker":"Speaker 1","startTime":1346.559,"endTime":1346.559,"body":" "},{"speaker":"Speaker 1","startTime":1346.599,"endTime":1346.659,"body":"the"},{"speaker":"Speaker 1","startTime":1346.659,"endTime":1346.659,"body":" "},{"speaker":"Speaker 1","startTime":1346.699,"endTime":1346.9,"body":"first"},{"speaker":"Speaker 1","startTime":1346.9,"endTime":1346.9,"body":" "},{"speaker":"Speaker 1","startTime":1346.94,"endTime":1347.201,"body":"question"},{"speaker":"Speaker 1","startTime":1347.201,"endTime":1347.201,"body":" "},{"speaker":"Speaker 1","startTime":1347.242,"endTime":1347.302,"body":"I"},{"speaker":"Speaker 1","startTime":1347.302,"endTime":1347.302,"body":" "},{"speaker":"Speaker 1","startTime":1347.342,"endTime":1347.462,"body":"had"},{"speaker":"Speaker 1","startTime":1347.462,"endTime":1347.462,"body":" "},{"speaker":"Speaker 1","startTime":1347.535,"endTime":1347.615,"body":"when"},{"speaker":"Speaker 1","startTime":1347.615,"endTime":1347.615,"body":" "},{"speaker":"Speaker 1","startTime":1347.635,"endTime":1347.716,"body":"we"},{"speaker":"Speaker 1","startTime":1347.716,"endTime":1347.716,"body":" "},{"speaker":"Speaker 1","startTime":1347.736,"endTime":1347.997,"body":"started"},{"speaker":"Speaker 1","startTime":1347.997,"endTime":1347.997,"body":" "},{"speaker":"Speaker 1","startTime":1348.94,"endTime":1349.141,"body":"getting"},{"speaker":"Speaker 1","startTime":1349.141,"endTime":1349.141,"body":" "},{"speaker":"Speaker 1","startTime":1349.161,"endTime":1349.261,"body":"into"},{"speaker":"Speaker 1","startTime":1349.261,"endTime":1349.261,"body":" "},{"speaker":"Speaker 1","startTime":1349.282,"endTime":1349.402,"body":"this"},{"speaker":"Speaker 1","startTime":1349.402,"endTime":1349.402,"body":" "},{"speaker":"Speaker 1","startTime":1349.422,"endTime":1349.804,"body":"process"},{"speaker":"Speaker 1","startTime":1349.804,"endTime":1349.804,"body":"."},{"speaker":"Speaker 1","startTime":1349.804,"endTime":1349.804,"body":" "},{"speaker":"Speaker 1","startTime":1349.875,"endTime":1349.955,"body":"It's"},{"speaker":"Speaker 1","startTime":1349.955,"endTime":1349.955,"body":" "},{"speaker":"Speaker 1","startTime":1349.975,"endTime":1350.076,"body":"like"},{"speaker":"Speaker 1","startTime":1350.076,"endTime":1350.076,"body":","},{"speaker":"Speaker 1","startTime":1350.076,"endTime":1350.076,"body":" "},{"speaker":"Speaker 1","startTime":1350.116,"endTime":1350.236,"body":"well"},{"speaker":"Speaker 1","startTime":1350.236,"endTime":1350.236,"body":","},{"speaker":"Speaker 1","startTime":1350.236,"endTime":1350.236,"body":" "},{"speaker":"Speaker 1","startTime":1350.256,"endTime":1350.377,"body":"why"},{"speaker":"Speaker 1","startTime":1350.377,"endTime":1350.377,"body":" "},{"speaker":"Speaker 1","startTime":1350.417,"endTime":1350.598,"body":"can't"},{"speaker":"Speaker 1","startTime":1350.598,"endTime":1350.598,"body":" "},{"speaker":"Speaker 1","startTime":1350.638,"endTime":1350.718,"body":"you"},{"speaker":"Speaker 1","startTime":1350.718,"endTime":1350.718,"body":" "},{"speaker":"Speaker 1","startTime":1350.758,"endTime":1350.899,"body":"just"},{"speaker":"Speaker 1","startTime":1350.899,"endTime":1350.899,"body":" "},{"speaker":"Speaker 1","startTime":1351.059,"endTime":1351.421,"body":"unwrap"},{"speaker":"Speaker 1","startTime":1351.421,"endTime":1351.421,"body":" "},{"speaker":"Speaker 1","startTime":1351.501,"endTime":1351.581,"body":"an"},{"speaker":"Speaker 1","startTime":1351.581,"endTime":1351.581,"body":" "},{"speaker":"Speaker 1","startTime":1351.641,"endTime":1351.722,"body":"ETF"},{"speaker":"Speaker 1","startTime":1351.722,"endTime":1351.722,"body":"?"},{"speaker":"Speaker 1","startTime":1351.722,"endTime":1351.722,"body":" "},{"speaker":"Speaker 1","startTime":1352.555,"endTime":1352.636,"body":"And"},{"speaker":"Speaker 1","startTime":1352.636,"endTime":1352.636,"body":" "},{"speaker":"Speaker 1","startTime":1352.676,"endTime":1352.796,"body":"they"},{"speaker":"Speaker 1","startTime":1352.796,"endTime":1352.796,"body":" "},{"speaker":"Speaker 1","startTime":1352.856,"endTime":1352.977,"body":"all"},{"speaker":"Speaker 1","startTime":1352.977,"endTime":1352.977,"body":" "},{"speaker":"Speaker 1","startTime":1353.017,"endTime":1353.258,"body":"said"},{"speaker":"Speaker 1","startTime":1353.258,"endTime":1353.258,"body":","},{"speaker":"Speaker 1","startTime":1353.258,"endTime":1353.258,"body":" "},{"speaker":"Speaker 1","startTime":1353.278,"endTime":1353.438,"body":"yeah"},{"speaker":"Speaker 1","startTime":1353.438,"endTime":1353.438,"body":","},{"speaker":"Speaker 1","startTime":1353.438,"endTime":1353.438,"body":" "},{"speaker":"Speaker 1","startTime":1353.459,"endTime":1353.559,"body":"we"},{"speaker":"Speaker 1","startTime":1353.559,"endTime":1353.559,"body":" "},{"speaker":"Speaker 1","startTime":1353.599,"endTime":1353.76,"body":"love"},{"speaker":"Speaker 1","startTime":1353.76,"endTime":1353.76,"body":" "},{"speaker":"Speaker 1","startTime":1353.78,"endTime":1353.82,"body":"to"},{"speaker":"Speaker 1","startTime":1353.82,"endTime":1353.82,"body":" "},{"speaker":"Speaker 1","startTime":1353.84,"endTime":1353.92,"body":"be"},{"speaker":"Speaker 1","startTime":1353.92,"endTime":1353.92,"body":" "},{"speaker":"Speaker 1","startTime":1353.96,"endTime":1354.101,"body":"able"},{"speaker":"Speaker 1","startTime":1354.101,"endTime":1354.101,"body":" "},{"speaker":"Speaker 1","startTime":1354.121,"endTime":1354.181,"body":"to"},{"speaker":"Speaker 1","startTime":1354.181,"endTime":1354.181,"body":" "},{"speaker":"Speaker 1","startTime":1354.221,"endTime":1354.341,"body":"do"},{"speaker":"Speaker 1","startTime":1354.341,"endTime":1354.341,"body":" "},{"speaker":"Speaker 1","startTime":1354.382,"endTime":1354.602,"body":"that"},{"speaker":"Speaker 1","startTime":1354.602,"endTime":1354.602,"body":"."},{"speaker":"Speaker 1","startTime":1354.602,"endTime":1354.602,"body":" "},{"speaker":"Speaker 1","startTime":1355.275,"endTime":1355.677,"body":"Technically"},{"speaker":"Speaker 1","startTime":1355.677,"endTime":1355.677,"body":" "},{"speaker":"Speaker 1","startTime":1355.697,"endTime":1355.777,"body":"you"},{"speaker":"Speaker 1","startTime":1355.777,"endTime":1355.777,"body":" "},{"speaker":"Speaker 1","startTime":1355.797,"endTime":1355.978,"body":"should"},{"speaker":"Speaker 1","startTime":1355.978,"endTime":1355.978,"body":" "},{"speaker":"Speaker 1","startTime":1356.018,"endTime":1356.099,"body":"be"},{"speaker":"Speaker 1","startTime":1356.099,"endTime":1356.099,"body":" "},{"speaker":"Speaker 1","startTime":1356.179,"endTime":1356.34,"body":"able"},{"speaker":"Speaker 1","startTime":1356.34,"endTime":1356.34,"body":" "},{"speaker":"Speaker 1","startTime":1356.38,"endTime":1356.54,"body":"to"},{"speaker":"Speaker 1","startTime":1356.54,"endTime":1356.54,"body":"."},{"speaker":"Speaker 1","startTime":1356.54,"endTime":1356.54,"body":" "},{"speaker":"Speaker 1","startTime":1357.115,"endTime":1357.175,"body":"If"},{"speaker":"Speaker 1","startTime":1357.175,"endTime":1357.175,"body":" "},{"speaker":"Speaker 1","startTime":1357.216,"endTime":1357.316,"body":"you"},{"speaker":"Speaker 1","startTime":1357.316,"endTime":1357.316,"body":" "},{"speaker":"Speaker 1","startTime":1357.336,"endTime":1357.436,"body":"had"},{"speaker":"Speaker 1","startTime":1357.436,"endTime":1357.436,"body":" "},{"speaker":"Speaker 1","startTime":1357.476,"endTime":1357.677,"body":"enough"},{"speaker":"Speaker 1","startTime":1357.677,"endTime":1357.677,"body":" "},{"speaker":"Speaker 1","startTime":1357.737,"endTime":1358.159,"body":"shares"},{"speaker":"Speaker 1","startTime":1358.159,"endTime":1358.159,"body":"."},{"speaker":"Speaker 1","startTime":1358.159,"endTime":1358.159,"body":" "},{"speaker":"Speaker 1","startTime":1358.48,"endTime":1358.56,"body":"They"},{"speaker":"Speaker 1","startTime":1358.56,"endTime":1358.56,"body":" "},{"speaker":"Speaker 1","startTime":1358.58,"endTime":1358.7,"body":"would"},{"speaker":"Speaker 1","startTime":1358.7,"endTime":1358.7,"body":" "},{"speaker":"Speaker 1","startTime":1358.72,"endTime":1358.841,"body":"take"},{"speaker":"Speaker 1","startTime":1358.841,"endTime":1358.841,"body":" "},{"speaker":"Speaker 1","startTime":1358.901,"endTime":1359.724,"body":"25,000"},{"speaker":"Speaker 1","startTime":1359.724,"endTime":1359.724,"body":" "},{"speaker":"Speaker 1","startTime":1359.764,"endTime":1360.004,"body":"shares"},{"speaker":"Speaker 1","startTime":1360.004,"endTime":1360.004,"body":","},{"speaker":"Speaker 1","startTime":1360.004,"endTime":1360.004,"body":" "},{"speaker":"Speaker 1","startTime":1360.315,"endTime":1360.496,"body":"so"},{"speaker":"Speaker 1","startTime":1360.496,"endTime":1360.496,"body":" "},{"speaker":"Speaker 1","startTime":1360.977,"endTime":1361.158,"body":"you'd"},{"speaker":"Speaker 1","startTime":1361.158,"endTime":1361.158,"body":" "},{"speaker":"Speaker 1","startTime":1361.198,"endTime":1361.318,"body":"have"},{"speaker":"Speaker 1","startTime":1361.318,"endTime":1361.318,"body":" "},{"speaker":"Speaker 1","startTime":1361.379,"endTime":1361.68,"body":"millions"},{"speaker":"Speaker 1","startTime":1361.68,"endTime":1361.68,"body":" "},{"speaker":"Speaker 1","startTime":1361.7,"endTime":1361.76,"body":"of"},{"speaker":"Speaker 1","startTime":1361.76,"endTime":1361.76,"body":" "},{"speaker":"Speaker 1","startTime":1361.8,"endTime":1362.181,"body":"dollars"},{"speaker":"Speaker 1","startTime":1362.181,"endTime":1362.181,"body":" "},{"speaker":"Speaker 1","startTime":1362.242,"endTime":1362.322,"body":"at"},{"speaker":"Speaker 1","startTime":1362.322,"endTime":1362.322,"body":" "},{"speaker":"Speaker 1","startTime":1362.342,"endTime":1362.523,"body":"that"},{"speaker":"Speaker 1","startTime":1362.523,"endTime":1362.523,"body":" "},{"speaker":"Speaker 1","startTime":1362.583,"endTime":1362.803,"body":"point"},{"speaker":"Speaker 1","startTime":1362.803,"endTime":1362.803,"body":"."},{"speaker":"Speaker 1","startTime":1362.803,"endTime":1362.803,"body":" "},{"speaker":"Speaker 1","startTime":1363.235,"endTime":1363.295,"body":"It"},{"speaker":"Speaker 1","startTime":1363.295,"endTime":1363.295,"body":" "},{"speaker":"Speaker 1","startTime":1363.335,"endTime":1363.596,"body":"wrapped"},{"speaker":"Speaker 1","startTime":1363.596,"endTime":1363.596,"body":" "},{"speaker":"Speaker 1","startTime":1363.656,"endTime":1363.737,"body":"up"},{"speaker":"Speaker 1","startTime":1363.737,"endTime":1363.737,"body":" "},{"speaker":"Speaker 1","startTime":1363.817,"endTime":1363.877,"body":"in"},{"speaker":"Speaker 1","startTime":1363.877,"endTime":1363.877,"body":" "},{"speaker":"Speaker 1","startTime":1363.897,"endTime":1363.977,"body":"the"},{"speaker":"Speaker 1","startTime":1363.977,"endTime":1363.977,"body":" "},{"speaker":"Speaker 1","startTime":1364.098,"endTime":1364.459,"body":"S\u0026P"},{"speaker":"Speaker 1","startTime":1364.459,"endTime":1364.459,"body":"."},{"speaker":"Speaker 1","startTime":1364.459,"endTime":1364.459,"body":" "},{"speaker":"Speaker 1","startTime":1364.579,"endTime":1364.76,"body":"But"},{"speaker":"Speaker 1","startTime":1364.76,"endTime":1364.76,"body":" "},{"speaker":"Speaker 1","startTime":1365.723,"endTime":1365.863,"body":"so"},{"speaker":"Speaker 1","startTime":1365.863,"endTime":1365.863,"body":" "},{"speaker":"Speaker 1","startTime":1365.903,"endTime":1365.983,"body":"you"},{"speaker":"Speaker 1","startTime":1365.983,"endTime":1365.983,"body":" "},{"speaker":"Speaker 1","startTime":1366.023,"endTime":1366.324,"body":"can't"},{"speaker":"Speaker 1","startTime":1366.324,"endTime":1366.324,"body":"."},{"speaker":"Speaker 1","startTime":1366.324,"endTime":1366.324,"body":" "},{"speaker":"Speaker 1","startTime":1366.935,"endTime":1367.036,"body":"You"},{"speaker":"Speaker 1","startTime":1367.036,"endTime":1367.036,"body":" "},{"speaker":"Speaker 1","startTime":1367.076,"endTime":1367.176,"body":"get"},{"speaker":"Speaker 1","startTime":1367.176,"endTime":1367.176,"body":" "},{"speaker":"Speaker 1","startTime":1367.216,"endTime":1367.317,"body":"to"},{"speaker":"Speaker 1","startTime":1367.317,"endTime":1367.317,"body":" "},{"speaker":"Speaker 1","startTime":1367.337,"endTime":1367.437,"body":"the"},{"speaker":"Speaker 1","startTime":1367.437,"endTime":1367.437,"body":" "},{"speaker":"Speaker 1","startTime":1367.477,"endTime":1367.939,"body":"strategy"},{"speaker":"Speaker 1","startTime":1367.939,"endTime":1367.939,"body":" "},{"speaker":"Speaker 1","startTime":1368.12,"endTime":1368.22,"body":"out"},{"speaker":"Speaker 1","startTime":1368.22,"endTime":1368.22,"body":" "},{"speaker":"Speaker 1","startTime":1368.24,"endTime":1368.3,"body":"of"},{"speaker":"Speaker 1","startTime":1368.3,"endTime":1368.3,"body":" "},{"speaker":"Speaker 1","startTime":1368.32,"endTime":1368.401,"body":"the"},{"speaker":"Speaker 1","startTime":1368.401,"endTime":1368.401,"body":" "},{"speaker":"Speaker 1","startTime":1368.441,"endTime":1368.822,"body":"ETF"},{"speaker":"Speaker 1","startTime":1368.822,"endTime":1368.822,"body":" "},{"speaker":"Speaker 1","startTime":1368.862,"endTime":1369.123,"body":"world"},{"speaker":"Speaker 1","startTime":1369.123,"endTime":1369.123,"body":"."},{"speaker":"Speaker 1","startTime":1369.123,"endTime":1369.123,"body":" "},{"speaker":"Speaker 1","startTime":1369.195,"endTime":1369.316,"body":"You'd"},{"speaker":"Speaker 1","startTime":1369.316,"endTime":1369.316,"body":" "},{"speaker":"Speaker 1","startTime":1369.336,"endTime":1369.436,"body":"have"},{"speaker":"Speaker 1","startTime":1369.436,"endTime":1369.436,"body":" "},{"speaker":"Speaker 1","startTime":1369.456,"endTime":1369.516,"body":"to"},{"speaker":"Speaker 1","startTime":1369.516,"endTime":1369.516,"body":" "},{"speaker":"Speaker 1","startTime":1369.657,"endTime":1370.039,"body":"liquidate"},{"speaker":"Speaker 1","startTime":1370.039,"endTime":1370.039,"body":" "},{"speaker":"Speaker 1","startTime":1370.059,"endTime":1370.139,"body":"the"},{"speaker":"Speaker 1","startTime":1370.139,"endTime":1370.139,"body":" "},{"speaker":"Speaker 1","startTime":1370.179,"endTime":1370.561,"body":"ETF"},{"speaker":"Speaker 1","startTime":1370.561,"endTime":1370.561,"body":" "},{"speaker":"Speaker 1","startTime":1370.735,"endTime":1370.816,"body":"and"},{"speaker":"Speaker 1","startTime":1370.816,"endTime":1370.816,"body":" "},{"speaker":"Speaker 1","startTime":1370.836,"endTime":1370.936,"body":"go"},{"speaker":"Speaker 1","startTime":1370.936,"endTime":1370.936,"body":" "},{"speaker":"Speaker 1","startTime":1370.976,"endTime":1371.057,"body":"to"},{"speaker":"Speaker 1","startTime":1371.057,"endTime":1371.057,"body":" "},{"speaker":"Speaker 1","startTime":1371.077,"endTime":1371.157,"body":"the"},{"speaker":"Speaker 1","startTime":1371.157,"endTime":1371.157,"body":" "},{"speaker":"Speaker 1","startTime":1371.177,"endTime":1371.478,"body":"strategy"},{"speaker":"Speaker 1","startTime":1371.478,"endTime":1371.478,"body":" "},{"speaker":"Speaker 1","startTime":1371.498,"endTime":1371.599,"body":"with"},{"speaker":"Speaker 1","startTime":1371.599,"endTime":1371.599,"body":" "},{"speaker":"Speaker 1","startTime":1371.639,"endTime":1372.001,"body":"cash"},{"speaker":"Speaker 1","startTime":1372.001,"endTime":1372.001,"body":"."},{"speaker":"Speaker 1","startTime":1372.001,"endTime":1372.001,"body":" "},{"speaker":"Speaker 1","startTime":1372.415,"endTime":1372.516,"body":"You"},{"speaker":"Speaker 1","startTime":1372.516,"endTime":1372.516,"body":" "},{"speaker":"Speaker 1","startTime":1372.537,"endTime":1372.759,"body":"can't"},{"speaker":"Speaker 1","startTime":1372.759,"endTime":1372.759,"body":" "},{"speaker":"Speaker 1","startTime":1372.84,"endTime":1373.022,"body":"give"},{"speaker":"Speaker 1","startTime":1373.022,"endTime":1373.022,"body":" "},{"speaker":"Speaker 1","startTime":1373.063,"endTime":1373.205,"body":"them"},{"speaker":"Speaker 1","startTime":1373.205,"endTime":1373.205,"body":" "},{"speaker":"Speaker 1","startTime":1373.245,"endTime":1373.306,"body":"an"},{"speaker":"Speaker 1","startTime":1373.306,"endTime":1373.306,"body":" "},{"speaker":"Speaker 1","startTime":1373.346,"endTime":1373.852,"body":"ETF"},{"speaker":"Speaker 1","startTime":1373.852,"endTime":1373.852,"body":" "},{"speaker":"Speaker 1","startTime":1373.913,"endTime":1373.974,"body":"and"},{"speaker":"Speaker 1","startTime":1373.974,"endTime":1373.974,"body":" "},{"speaker":"Speaker 1","startTime":1373.994,"endTime":1374.055,"body":"say"},{"speaker":"Speaker 1","startTime":1374.055,"endTime":1374.055,"body":","},{"speaker":"Speaker 1","startTime":1374.055,"endTime":1374.055,"body":" "},{"speaker":"Speaker 1","startTime":1375.359,"endTime":1375.459,"body":"hey"},{"speaker":"Speaker 1","startTime":1375.459,"endTime":1375.459,"body":","},{"speaker":"Speaker 1","startTime":1375.459,"endTime":1375.459,"body":" "},{"speaker":"Speaker 1","startTime":1375.64,"endTime":1375.8,"body":"work"},{"speaker":"Speaker 1","startTime":1375.8,"endTime":1375.8,"body":" "},{"speaker":"Speaker 1","startTime":1375.82,"endTime":1375.941,"body":"this"},{"speaker":"Speaker 1","startTime":1375.941,"endTime":1375.941,"body":" "},{"speaker":"Speaker 1","startTime":1375.981,"endTime":1376.081,"body":"into"},{"speaker":"Speaker 1","startTime":1376.081,"endTime":1376.081,"body":" "},{"speaker":"Speaker 1","startTime":1376.121,"endTime":1376.242,"body":"your"},{"speaker":"Speaker 1","startTime":1376.242,"endTime":1376.242,"body":" "},{"speaker":"Speaker 1","startTime":1376.262,"endTime":1376.663,"body":"strategy"},{"speaker":"Speaker 1","startTime":1376.663,"endTime":1376.663,"body":"."},{"speaker":"Speaker 1","startTime":1376.663,"endTime":1376.663,"body":" "},{"speaker":"Speaker 1","startTime":1376.663,"endTime":1376.663,"body":"\n"},{"speaker":"Speaker 2","startTime":1377.475,"endTime":1377.515,"body":"I"},{"speaker":"Speaker 2","startTime":1377.515,"endTime":1377.515,"body":" "},{"speaker":"Speaker 2","startTime":1377.555,"endTime":1377.736,"body":"mean"},{"speaker":"Speaker 2","startTime":1377.736,"endTime":1377.736,"body":","},{"speaker":"Speaker 2","startTime":1377.736,"endTime":1377.736,"body":" "},{"speaker":"Speaker 2","startTime":1378.378,"endTime":1378.499,"body":"for"},{"speaker":"Speaker 2","startTime":1378.499,"endTime":1378.499,"body":" "},{"speaker":"Speaker 2","startTime":1378.559,"endTime":1378.88,"body":"instance"},{"speaker":"Speaker 2","startTime":1378.88,"endTime":1378.88,"body":","},{"speaker":"Speaker 2","startTime":1378.88,"endTime":1378.88,"body":" "},{"speaker":"Speaker 2","startTime":1378.9,"endTime":1379.04,"body":"to"},{"speaker":"Speaker 2","startTime":1379.04,"endTime":1379.04,"body":" "},{"speaker":"Speaker 2","startTime":1379.101,"endTime":1379.381,"body":"say"},{"speaker":"Speaker 2","startTime":1379.381,"endTime":1379.381,"body":" "},{"speaker":"Speaker 2","startTime":1379.442,"endTime":1379.582,"body":"you"},{"speaker":"Speaker 2","startTime":1379.582,"endTime":1379.582,"body":" "},{"speaker":"Speaker 2","startTime":1379.703,"endTime":1379.923,"body":"own"},{"speaker":"Speaker 2","startTime":1379.923,"endTime":1379.923,"body":","},{"speaker":"Speaker 2","startTime":1379.923,"endTime":1379.923,"body":" "},{"speaker":"Speaker 2","startTime":1379.963,"endTime":1380.124,"body":"like"},{"speaker":"Speaker 2","startTime":1380.124,"endTime":1380.124,"body":" "},{"speaker":"Speaker 2","startTime":1381.635,"endTime":1381.776,"body":"that's"},{"speaker":"Speaker 2","startTime":1381.776,"endTime":1381.776,"body":" "},{"speaker":"Speaker 2","startTime":1381.796,"endTime":1381.896,"body":"about"},{"speaker":"Speaker 2","startTime":1381.896,"endTime":1381.896,"body":" "},{"speaker":"Speaker 2","startTime":1381.936,"endTime":1382.257,"body":"100"},{"speaker":"Speaker 2","startTime":1382.257,"endTime":1382.257,"body":" "},{"speaker":"Speaker 2","startTime":1382.357,"endTime":1382.739,"body":"ETF"},{"speaker":"Speaker 2","startTime":1382.739,"endTime":1382.739,"body":" "},{"speaker":"Speaker 2","startTime":1382.819,"endTime":1382.879,"body":"or"},{"speaker":"Speaker 2","startTime":1382.879,"endTime":1382.879,"body":" "},{"speaker":"Speaker 2","startTime":1382.919,"endTime":1383.1,"body":"something"},{"speaker":"Speaker 2","startTime":1383.1,"endTime":1383.1,"body":" "},{"speaker":"Speaker 2","startTime":1383.12,"endTime":1383.22,"body":"that"},{"speaker":"Speaker 2","startTime":1383.22,"endTime":1383.22,"body":" "},{"speaker":"Speaker 2","startTime":1383.24,"endTime":1383.501,"body":"tracks"},{"speaker":"Speaker 2","startTime":1383.501,"endTime":1383.501,"body":" "},{"speaker":"Speaker 2","startTime":1383.541,"endTime":1383.762,"body":"that"},{"speaker":"Speaker 2","startTime":1383.762,"endTime":1383.762,"body":" "},{"speaker":"Speaker 2","startTime":1384.835,"endTime":1384.975,"body":"they"},{"speaker":"Speaker 2","startTime":1384.975,"endTime":1384.975,"body":" "},{"speaker":"Speaker 2","startTime":1385.015,"endTime":1385.557,"body":"can"},{"speaker":"Speaker 2","startTime":1385.557,"endTime":1385.557,"body":"."},{"speaker":"Speaker 2","startTime":1385.557,"endTime":1385.557,"body":" "},{"speaker":"Speaker 2","startTime":1387.963,"endTime":1388.203,"body":"Some"},{"speaker":"Speaker 2","startTime":1388.203,"endTime":1388.203,"body":" "},{"speaker":"Speaker 2","startTime":1388.264,"endTime":1388.705,"body":"providers"},{"speaker":"Speaker 2","startTime":1388.705,"endTime":1388.705,"body":" "},{"speaker":"Speaker 2","startTime":1388.805,"endTime":1389.126,"body":"can"},{"speaker":"Speaker 2","startTime":1389.126,"endTime":1389.126,"body":" "},{"speaker":"Speaker 2","startTime":1389.527,"endTime":1389.627,"body":"use"},{"speaker":"Speaker 2","startTime":1389.627,"endTime":1389.627,"body":" "},{"speaker":"Speaker 2","startTime":1389.647,"endTime":1389.787,"body":"that"},{"speaker":"Speaker 2","startTime":1389.787,"endTime":1389.787,"body":" "},{"speaker":"Speaker 2","startTime":1389.875,"endTime":1389.935,"body":"as"},{"speaker":"Speaker 2","startTime":1389.935,"endTime":1389.935,"body":" "},{"speaker":"Speaker 2","startTime":1389.975,"endTime":1390.076,"body":"kind"},{"speaker":"Speaker 2","startTime":1390.076,"endTime":1390.076,"body":" "},{"speaker":"Speaker 2","startTime":1390.096,"endTime":1390.156,"body":"of"},{"speaker":"Speaker 2","startTime":1390.156,"endTime":1390.156,"body":" "},{"speaker":"Speaker 2","startTime":1390.176,"endTime":1390.316,"body":"like"},{"speaker":"Speaker 2","startTime":1390.316,"endTime":1390.316,"body":" "},{"speaker":"Speaker 2","startTime":1390.336,"endTime":1390.376,"body":"a"},{"speaker":"Speaker 2","startTime":1390.376,"endTime":1390.376,"body":" "},{"speaker":"Speaker 2","startTime":1390.457,"endTime":1390.998,"body":"core"},{"speaker":"Speaker 2","startTime":1390.998,"endTime":1390.998,"body":" "},{"speaker":"Speaker 2","startTime":1391.74,"endTime":1392.202,"body":"holding"},{"speaker":"Speaker 2","startTime":1392.202,"endTime":1392.202,"body":" "},{"speaker":"Speaker 2","startTime":1392.502,"endTime":1393.184,"body":"not"},{"speaker":"Speaker 2","startTime":1393.184,"endTime":1393.184,"body":" "},{"speaker":"Speaker 2","startTime":1393.285,"endTime":1393.425,"body":"all"},{"speaker":"Speaker 2","startTime":1393.425,"endTime":1393.425,"body":" "},{"speaker":"Speaker 2","startTime":1393.445,"endTime":1393.485,"body":"of"},{"speaker":"Speaker 2","startTime":1393.485,"endTime":1393.485,"body":" "},{"speaker":"Speaker 2","startTime":1393.505,"endTime":1393.646,"body":"them"},{"speaker":"Speaker 2","startTime":1393.646,"endTime":1393.646,"body":" "},{"speaker":"Speaker 2","startTime":1393.686,"endTime":1393.886,"body":"though"},{"speaker":"Speaker 2","startTime":1393.886,"endTime":1393.886,"body":","},{"speaker":"Speaker 2","startTime":1393.886,"endTime":1393.886,"body":" "},{"speaker":"Speaker 2","startTime":1395.259,"endTime":1395.379,"body":"but"},{"speaker":"Speaker 2","startTime":1395.379,"endTime":1395.379,"body":" "},{"speaker":"Speaker 2","startTime":1395.399,"endTime":1396.663,"body":"yeah"},{"speaker":"Speaker 2","startTime":1396.663,"endTime":1396.663,"body":","},{"speaker":"Speaker 2","startTime":1396.663,"endTime":1396.663,"body":" "},{"speaker":"Speaker 2","startTime":1397.124,"endTime":1397.265,"body":"most"},{"speaker":"Speaker 2","startTime":1397.265,"endTime":1397.265,"body":" "},{"speaker":"Speaker 2","startTime":1397.285,"endTime":1397.325,"body":"of"},{"speaker":"Speaker 2","startTime":1397.325,"endTime":1397.325,"body":" "},{"speaker":"Speaker 2","startTime":1397.345,"endTime":1397.425,"body":"the"},{"speaker":"Speaker 2","startTime":1397.425,"endTime":1397.425,"body":" "},{"speaker":"Speaker 2","startTime":1397.445,"endTime":1397.586,"body":"time"},{"speaker":"Speaker 2","startTime":1397.586,"endTime":1397.586,"body":" "},{"speaker":"Speaker 2","startTime":1397.675,"endTime":1397.755,"body":"they"},{"speaker":"Speaker 2","startTime":1397.755,"endTime":1397.755,"body":" "},{"speaker":"Speaker 2","startTime":1397.775,"endTime":1397.976,"body":"can't"},{"speaker":"Speaker 2","startTime":1397.976,"endTime":1397.976,"body":" "},{"speaker":"Speaker 2","startTime":1398.016,"endTime":1398.157,"body":"work"},{"speaker":"Speaker 2","startTime":1398.157,"endTime":1398.157,"body":" "},{"speaker":"Speaker 2","startTime":1398.177,"endTime":1398.358,"body":"that"},{"speaker":"Speaker 2","startTime":1398.358,"endTime":1398.358,"body":" "},{"speaker":"Speaker 2","startTime":1398.418,"endTime":1398.579,"body":"into"},{"speaker":"Speaker 2","startTime":1398.579,"endTime":1398.579,"body":" "},{"speaker":"Speaker 2","startTime":1398.619,"endTime":1398.719,"body":"the"},{"speaker":"Speaker 2","startTime":1398.719,"endTime":1398.719,"body":" "},{"speaker":"Speaker 2","startTime":1398.739,"endTime":1399.121,"body":"strategy"},{"speaker":"Speaker 2","startTime":1399.121,"endTime":1399.121,"body":"."},{"speaker":"Speaker 2","startTime":1399.121,"endTime":1399.121,"body":" "},{"speaker":"Speaker 2","startTime":1399.121,"endTime":1399.121,"body":"\n"},{"speaker":"Speaker 1","startTime":1400.615,"endTime":1400.695,"body":"All"},{"speaker":"Speaker 1","startTime":1400.695,"endTime":1400.695,"body":" "},{"speaker":"Speaker 1","startTime":1400.715,"endTime":1400.836,"body":"right"},{"speaker":"Speaker 1","startTime":1400.836,"endTime":1400.836,"body":"."},{"speaker":"Speaker 1","startTime":1400.836,"endTime":1400.836,"body":" "},{"speaker":"Speaker 1","startTime":1400.856,"endTime":1401.157,"body":"So"},{"speaker":"Speaker 1","startTime":1401.157,"endTime":1401.157,"body":" "},{"speaker":"Speaker 1","startTime":1401.197,"endTime":1401.278,"body":"we"},{"speaker":"Speaker 1","startTime":1401.278,"endTime":1401.278,"body":" "},{"speaker":"Speaker 1","startTime":1401.298,"endTime":1401.458,"body":"gotta"},{"speaker":"Speaker 1","startTime":1401.458,"endTime":1401.458,"body":" "},{"speaker":"Speaker 1","startTime":1401.478,"endTime":1401.539,"body":"be"},{"speaker":"Speaker 1","startTime":1401.539,"endTime":1401.539,"body":" "},{"speaker":"Speaker 1","startTime":1401.579,"endTime":1401.719,"body":"fair"},{"speaker":"Speaker 1","startTime":1401.719,"endTime":1401.719,"body":" "},{"speaker":"Speaker 1","startTime":1401.759,"endTime":1401.82,"body":"and"},{"speaker":"Speaker 1","startTime":1401.82,"endTime":1401.82,"body":" "},{"speaker":"Speaker 1","startTime":1401.86,"endTime":1402.261,"body":"balanced"},{"speaker":"Speaker 1","startTime":1402.261,"endTime":1402.261,"body":" "},{"speaker":"Speaker 1","startTime":1402.835,"endTime":1402.915,"body":"when"},{"speaker":"Speaker 1","startTime":1402.915,"endTime":1402.915,"body":" "},{"speaker":"Speaker 1","startTime":1402.935,"endTime":1402.975,"body":"we"},{"speaker":"Speaker 1","startTime":1402.975,"endTime":1402.975,"body":" "},{"speaker":"Speaker 1","startTime":1402.995,"endTime":1403.156,"body":"talk"},{"speaker":"Speaker 1","startTime":1403.156,"endTime":1403.156,"body":" "},{"speaker":"Speaker 1","startTime":1403.196,"endTime":1403.397,"body":"about"},{"speaker":"Speaker 1","startTime":1403.397,"endTime":1403.397,"body":" "},{"speaker":"Speaker 1","startTime":1403.778,"endTime":1403.899,"body":"all"},{"speaker":"Speaker 1","startTime":1403.899,"endTime":1403.899,"body":" "},{"speaker":"Speaker 1","startTime":1403.919,"endTime":1403.959,"body":"of"},{"speaker":"Speaker 1","startTime":1403.959,"endTime":1403.959,"body":" "},{"speaker":"Speaker 1","startTime":1404.019,"endTime":1404.982,"body":"these"},{"speaker":"Speaker 1","startTime":1404.982,"endTime":1404.982,"body":" "},{"speaker":"Speaker 1","startTime":1405.043,"endTime":1405.143,"body":"new"},{"speaker":"Speaker 1","startTime":1405.143,"endTime":1405.143,"body":" "},{"speaker":"Speaker 1","startTime":1405.203,"endTime":1405.464,"body":"things"},{"speaker":"Speaker 1","startTime":1405.464,"endTime":1405.464,"body":"."},{"speaker":"Speaker 1","startTime":1405.464,"endTime":1405.464,"body":" "},{"speaker":"Speaker 1","startTime":1405.856,"endTime":1405.896,"body":"So"},{"speaker":"Speaker 1","startTime":1405.896,"endTime":1405.896,"body":" "},{"speaker":"Speaker 1","startTime":1406.258,"endTime":1406.378,"body":"what"},{"speaker":"Speaker 1","startTime":1406.378,"endTime":1406.378,"body":" "},{"speaker":"Speaker 1","startTime":1406.398,"endTime":1406.499,"body":"are"},{"speaker":"Speaker 1","startTime":1406.499,"endTime":1406.499,"body":" "},{"speaker":"Speaker 1","startTime":1406.519,"endTime":1406.639,"body":"some"},{"speaker":"Speaker 1","startTime":1406.639,"endTime":1406.639,"body":" "},{"speaker":"Speaker 1","startTime":1406.66,"endTime":1406.7,"body":"of"},{"speaker":"Speaker 1","startTime":1406.7,"endTime":1406.7,"body":" "},{"speaker":"Speaker 1","startTime":1406.72,"endTime":1406.78,"body":"the"},{"speaker":"Speaker 1","startTime":1406.78,"endTime":1406.78,"body":" "},{"speaker":"Speaker 1","startTime":1406.82,"endTime":1407.282,"body":"shortcomings"},{"speaker":"Speaker 1","startTime":1407.282,"endTime":1407.282,"body":","},{"speaker":"Speaker 1","startTime":1407.282,"endTime":1407.282,"body":" "},{"speaker":"Speaker 1","startTime":1407.455,"endTime":1407.515,"body":"you"},{"speaker":"Speaker 1","startTime":1407.515,"endTime":1407.515,"body":" "},{"speaker":"Speaker 1","startTime":1407.535,"endTime":1407.616,"body":"feel"},{"speaker":"Speaker 1","startTime":1407.616,"endTime":1407.616,"body":" "},{"speaker":"Speaker 1","startTime":1407.636,"endTime":1407.776,"body":"like"},{"speaker":"Speaker 1","startTime":1407.776,"endTime":1407.776,"body":","},{"speaker":"Speaker 1","startTime":1407.776,"endTime":1407.776,"body":" "},{"speaker":"Speaker 1","startTime":1407.977,"endTime":1408.057,"body":"of"},{"speaker":"Speaker 1","startTime":1408.057,"endTime":1408.057,"body":" "},{"speaker":"Speaker 1","startTime":1408.338,"endTime":1408.579,"body":"direct"},{"speaker":"Speaker 1","startTime":1408.579,"endTime":1408.579,"body":" "},{"speaker":"Speaker 1","startTime":1408.619,"endTime":1408.961,"body":"indexing"},{"speaker":"Speaker 1","startTime":1408.961,"endTime":1408.961,"body":"?"},{"speaker":"Speaker 1","startTime":1408.961,"endTime":1408.961,"body":" "},{"speaker":"Speaker 1","startTime":1408.961,"endTime":1408.961,"body":"\n"},{"speaker":"Speaker 2","startTime":1409.935,"endTime":1410.055,"body":"Yeah"},{"speaker":"Speaker 2","startTime":1410.055,"endTime":1410.055,"body":","},{"speaker":"Speaker 2","startTime":1410.055,"endTime":1410.055,"body":" "},{"speaker":"Speaker 2","startTime":1410.196,"endTime":1410.417,"body":"already"},{"speaker":"Speaker 2","startTime":1410.417,"endTime":1410.417,"body":" "},{"speaker":"Speaker 2","startTime":1410.437,"endTime":1410.658,"body":"touched"},{"speaker":"Speaker 2","startTime":1410.658,"endTime":1410.658,"body":" "},{"speaker":"Speaker 2","startTime":1410.718,"endTime":1410.798,"body":"on"},{"speaker":"Speaker 2","startTime":1410.798,"endTime":1410.798,"body":" "},{"speaker":"Speaker 2","startTime":1410.839,"endTime":1411.1,"body":"higher"},{"speaker":"Speaker 2","startTime":1411.1,"endTime":1411.1,"body":" "},{"speaker":"Speaker 2","startTime":1411.14,"endTime":1411.521,"body":"cost"},{"speaker":"Speaker 2","startTime":1411.521,"endTime":1411.521,"body":"."},{"speaker":"Speaker 2","startTime":1411.521,"endTime":1411.521,"body":" "},{"speaker":"Speaker 2","startTime":1412.356,"endTime":1412.597,"body":"There's"},{"speaker":"Speaker 2","startTime":1412.597,"endTime":1412.597,"body":" "},{"speaker":"Speaker 2","startTime":1412.617,"endTime":1412.737,"body":"the"},{"speaker":"Speaker 2","startTime":1412.737,"endTime":1412.737,"body":" "},{"speaker":"Speaker 2","startTime":1412.838,"endTime":1413.059,"body":"asset"},{"speaker":"Speaker 2","startTime":1413.059,"endTime":1413.059,"body":" "},{"speaker":"Speaker 2","startTime":1413.099,"endTime":1413.42,"body":"management"},{"speaker":"Speaker 2","startTime":1413.42,"endTime":1413.42,"body":" "},{"speaker":"Speaker 2","startTime":1413.52,"endTime":1413.721,"body":"fee"},{"speaker":"Speaker 2","startTime":1413.721,"endTime":1413.721,"body":" "},{"speaker":"Speaker 2","startTime":1414.595,"endTime":1414.796,"body":"for"},{"speaker":"Speaker 2","startTime":1414.796,"endTime":1414.796,"body":" "},{"speaker":"Speaker 2","startTime":1414.876,"endTime":1415.096,"body":"the"},{"speaker":"Speaker 2","startTime":1415.096,"endTime":1415.096,"body":" "},{"speaker":"Speaker 2","startTime":1415.337,"endTime":1415.538,"body":"third"},{"speaker":"Speaker 2","startTime":1415.538,"endTime":1415.538,"body":" "},{"speaker":"Speaker 2","startTime":1415.558,"endTime":1415.879,"body":"party"},{"speaker":"Speaker 2","startTime":1415.879,"endTime":1415.879,"body":" "},{"speaker":"Speaker 2","startTime":1416.521,"endTime":1416.761,"body":"separate"},{"speaker":"Speaker 2","startTime":1416.761,"endTime":1416.761,"body":" "},{"speaker":"Speaker 2","startTime":1416.781,"endTime":1417.002,"body":"account"},{"speaker":"Speaker 2","startTime":1417.002,"endTime":1417.002,"body":" "},{"speaker":"Speaker 2","startTime":1417.022,"endTime":1417.403,"body":"manager"},{"speaker":"Speaker 2","startTime":1417.403,"endTime":1417.403,"body":"."},{"speaker":"Speaker 2","startTime":1417.403,"endTime":1417.403,"body":" "},{"speaker":"Speaker 2","startTime":1418.435,"endTime":1418.696,"body":"There's"},{"speaker":"Speaker 2","startTime":1418.696,"endTime":1418.696,"body":" "},{"speaker":"Speaker 2","startTime":1418.877,"endTime":1419.118,"body":"higher"},{"speaker":"Speaker 2","startTime":1419.118,"endTime":1419.118,"body":" "},{"speaker":"Speaker 2","startTime":1419.158,"endTime":1419.499,"body":"investment"},{"speaker":"Speaker 2","startTime":1419.499,"endTime":1419.499,"body":" "},{"speaker":"Speaker 2","startTime":1419.539,"endTime":1420.001,"body":"minimums"},{"speaker":"Speaker 2","startTime":1420.001,"endTime":1420.001,"body":"."},{"speaker":"Speaker 2","startTime":1420.001,"endTime":1420.001,"body":" "},{"speaker":"Speaker 2","startTime":1420.655,"endTime":1420.896,"body":"Again"},{"speaker":"Speaker 2","startTime":1420.896,"endTime":1420.896,"body":","},{"speaker":"Speaker 2","startTime":1420.896,"endTime":1420.896,"body":" "},{"speaker":"Speaker 2","startTime":1420.916,"endTime":1421.297,"body":"generally"},{"speaker":"Speaker 2","startTime":1421.297,"endTime":1421.297,"body":" "},{"speaker":"Speaker 2","startTime":1421.858,"endTime":1421.999,"body":"it's"},{"speaker":"Speaker 2","startTime":1421.999,"endTime":1421.999,"body":" "},{"speaker":"Speaker 2","startTime":1422.179,"endTime":1423.363,"body":"$250,000"},{"speaker":"Speaker 2","startTime":1423.363,"endTime":1423.363,"body":" "},{"speaker":"Speaker 2","startTime":1423.523,"endTime":1423.603,"body":"is"},{"speaker":"Speaker 2","startTime":1423.603,"endTime":1423.603,"body":" "},{"speaker":"Speaker 2","startTime":1423.683,"endTime":1423.744,"body":"an"},{"speaker":"Speaker 2","startTime":1423.744,"endTime":1423.744,"body":" "},{"speaker":"Speaker 2","startTime":1423.904,"endTime":1424.245,"body":"industry"},{"speaker":"Speaker 2","startTime":1424.245,"endTime":1424.245,"body":" "},{"speaker":"Speaker 2","startTime":1424.265,"endTime":1424.666,"body":"standard"},{"speaker":"Speaker 2","startTime":1424.666,"endTime":1424.666,"body":" "},{"speaker":"Speaker 2","startTime":1424.895,"endTime":1425.016,"body":"and"},{"speaker":"Speaker 2","startTime":1425.016,"endTime":1425.016,"body":" "},{"speaker":"Speaker 2","startTime":1425.478,"endTime":1425.618,"body":"that's"},{"speaker":"Speaker 2","startTime":1425.618,"endTime":1425.618,"body":","},{"speaker":"Speaker 2","startTime":1425.618,"endTime":1425.618,"body":" "},{"speaker":"Speaker 2","startTime":1425.678,"endTime":1425.698,"body":"I"},{"speaker":"Speaker 2","startTime":1425.698,"endTime":1425.698,"body":" "},{"speaker":"Speaker 2","startTime":1425.719,"endTime":1425.819,"body":"would"},{"speaker":"Speaker 2","startTime":1425.819,"endTime":1425.819,"body":" "},{"speaker":"Speaker 2","startTime":1425.839,"endTime":1425.939,"body":"say"},{"speaker":"Speaker 2","startTime":1425.939,"endTime":1425.939,"body":" "},{"speaker":"Speaker 2","startTime":1425.959,"endTime":1426.1,"body":"that's"},{"speaker":"Speaker 2","startTime":1426.1,"endTime":1426.1,"body":" "},{"speaker":"Speaker 2","startTime":1426.14,"endTime":1426.381,"body":"pretty"},{"speaker":"Speaker 2","startTime":1426.381,"endTime":1426.381,"body":" "},{"speaker":"Speaker 2","startTime":1426.421,"endTime":1426.823,"body":"standard"},{"speaker":"Speaker 2","startTime":1426.823,"endTime":1426.823,"body":" "},{"speaker":"Speaker 2","startTime":1426.935,"endTime":1427.035,"body":"for"},{"speaker":"Speaker 2","startTime":1427.035,"endTime":1427.035,"body":" "},{"speaker":"Speaker 2","startTime":1427.136,"endTime":1427.276,"body":"any"},{"speaker":"Speaker 2","startTime":1427.276,"endTime":1427.276,"body":" "},{"speaker":"Speaker 2","startTime":1427.337,"endTime":1427.537,"body":"kind"},{"speaker":"Speaker 2","startTime":1427.537,"endTime":1427.537,"body":" "},{"speaker":"Speaker 2","startTime":1427.597,"endTime":1427.658,"body":"of"},{"speaker":"Speaker 2","startTime":1427.658,"endTime":1427.658,"body":" "},{"speaker":"Speaker 2","startTime":1428.2,"endTime":1428.32,"body":"I"},{"speaker":"Speaker 2","startTime":1428.32,"endTime":1428.32,"body":" "},{"speaker":"Speaker 2","startTime":1428.681,"endTime":1428.842,"body":"don't"},{"speaker":"Speaker 2","startTime":1428.842,"endTime":1428.842,"body":" "},{"speaker":"Speaker 2","startTime":1429.183,"endTime":1429.324,"body":"wanna"},{"speaker":"Speaker 2","startTime":1429.324,"endTime":1429.324,"body":" "},{"speaker":"Speaker 2","startTime":1429.344,"endTime":1429.424,"body":"say"},{"speaker":"Speaker 2","startTime":1429.424,"endTime":1429.424,"body":" "},{"speaker":"Speaker 2","startTime":1429.535,"endTime":1429.696,"body":"private"},{"speaker":"Speaker 2","startTime":1429.696,"endTime":1429.696,"body":" "},{"speaker":"Speaker 2","startTime":1429.736,"endTime":1430.198,"body":"alternative"},{"speaker":"Speaker 2","startTime":1430.198,"endTime":1430.198,"body":" "},{"speaker":"Speaker 2","startTime":1430.218,"endTime":1430.64,"body":"necessarily"},{"speaker":"Speaker 2","startTime":1430.64,"endTime":1430.64,"body":","},{"speaker":"Speaker 2","startTime":1430.64,"endTime":1430.64,"body":" "},{"speaker":"Speaker 2","startTime":1430.735,"endTime":1430.896,"body":"but"},{"speaker":"Speaker 2","startTime":1430.896,"endTime":1430.896,"body":" "},{"speaker":"Speaker 2","startTime":1431.277,"endTime":1431.397,"body":"any"},{"speaker":"Speaker 2","startTime":1431.397,"endTime":1431.397,"body":" "},{"speaker":"Speaker 2","startTime":1431.437,"endTime":1431.618,"body":"kind"},{"speaker":"Speaker 2","startTime":1431.618,"endTime":1431.618,"body":" "},{"speaker":"Speaker 2","startTime":1431.718,"endTime":1431.798,"body":"of"},{"speaker":"Speaker 2","startTime":1431.798,"endTime":1431.798,"body":" "},{"speaker":"Speaker 2","startTime":1432.319,"endTime":1432.6,"body":"separate"},{"speaker":"Speaker 2","startTime":1432.6,"endTime":1432.6,"body":" "},{"speaker":"Speaker 2","startTime":1432.62,"endTime":1433.001,"body":"account"},{"speaker":"Speaker 2","startTime":1433.001,"endTime":1433.001,"body":" "},{"speaker":"Speaker 2","startTime":1433.743,"endTime":1433.924,"body":"that's"},{"speaker":"Speaker 2","startTime":1433.924,"endTime":1433.924,"body":" "},{"speaker":"Speaker 2","startTime":1433.964,"endTime":1434.425,"body":"managed"},{"speaker":"Speaker 2","startTime":1434.425,"endTime":1434.425,"body":" "},{"speaker":"Speaker 2","startTime":1434.955,"endTime":1435.035,"body":"and"},{"speaker":"Speaker 2","startTime":1435.035,"endTime":1435.035,"body":" "},{"speaker":"Speaker 2","startTime":1435.116,"endTime":1435.276,"body":"not"},{"speaker":"Speaker 2","startTime":1435.276,"endTime":1435.276,"body":" "},{"speaker":"Speaker 2","startTime":1435.337,"endTime":1435.457,"body":"like"},{"speaker":"Speaker 2","startTime":1435.457,"endTime":1435.457,"body":" "},{"speaker":"Speaker 2","startTime":1435.477,"endTime":1435.537,"body":"the"},{"speaker":"Speaker 2","startTime":1435.537,"endTime":1435.537,"body":" "},{"speaker":"Speaker 2","startTime":1435.979,"endTime":1436.34,"body":"traditional"},{"speaker":"Speaker 2","startTime":1436.34,"endTime":1436.34,"body":" "},{"speaker":"Speaker 2","startTime":1436.36,"endTime":1436.641,"body":"investment"},{"speaker":"Speaker 2","startTime":1436.641,"endTime":1436.641,"body":" "},{"speaker":"Speaker 2","startTime":1436.721,"endTime":1437.123,"body":"format"},{"speaker":"Speaker 2","startTime":1437.123,"endTime":1437.123,"body":" "},{"speaker":"Speaker 2","startTime":1437.535,"endTime":1437.876,"body":"buying"},{"speaker":"Speaker 2","startTime":1437.876,"endTime":1437.876,"body":" "},{"speaker":"Speaker 2","startTime":1438.839,"endTime":1439.14,"body":"stocks"},{"speaker":"Speaker 2","startTime":1439.14,"endTime":1439.14,"body":","},{"speaker":"Speaker 2","startTime":1439.14,"endTime":1439.14,"body":" "},{"speaker":"Speaker 2","startTime":1439.2,"endTime":1439.601,"body":"etfs"},{"speaker":"Speaker 2","startTime":1439.601,"endTime":1439.601,"body":","},{"speaker":"Speaker 2","startTime":1439.601,"endTime":1439.601,"body":" "},{"speaker":"Speaker 2","startTime":1440.223,"endTime":1440.504,"body":"bonds"},{"speaker":"Speaker 2","startTime":1440.504,"endTime":1440.504,"body":","},{"speaker":"Speaker 2","startTime":1440.504,"endTime":1440.504,"body":" "},{"speaker":"Speaker 2","startTime":1440.544,"endTime":1440.604,"body":"et"},{"speaker":"Speaker 2","startTime":1440.604,"endTime":1440.604,"body":" "},{"speaker":"Speaker 2","startTime":1440.624,"endTime":1440.845,"body":"cetera"},{"speaker":"Speaker 2","startTime":1440.845,"endTime":1440.845,"body":","},{"speaker":"Speaker 2","startTime":1440.845,"endTime":1440.845,"body":" "},{"speaker":"Speaker 2","startTime":1443.682,"endTime":1443.742,"body":"and"},{"speaker":"Speaker 2","startTime":1443.742,"endTime":1443.742,"body":" "},{"speaker":"Speaker 2","startTime":1443.782,"endTime":1443.923,"body":"then"},{"speaker":"Speaker 2","startTime":1443.923,"endTime":1443.923,"body":" "},{"speaker":"Speaker 2","startTime":1444.003,"endTime":1444.183,"body":"so"},{"speaker":"Speaker 2","startTime":1444.183,"endTime":1444.183,"body":" "},{"speaker":"Speaker 2","startTime":1444.484,"endTime":1444.805,"body":"obviously"},{"speaker":"Speaker 2","startTime":1444.805,"endTime":1444.805,"body":" "},{"speaker":"Speaker 2","startTime":1444.865,"endTime":1444.986,"body":"with"},{"speaker":"Speaker 2","startTime":1444.986,"endTime":1444.986,"body":" "},{"speaker":"Speaker 2","startTime":1445.006,"endTime":1445.186,"body":"that"},{"speaker":"Speaker 2","startTime":1445.186,"endTime":1445.186,"body":" "},{"speaker":"Speaker 2","startTime":1445.275,"endTime":1445.416,"body":"there's"},{"speaker":"Speaker 2","startTime":1445.416,"endTime":1445.416,"body":" "},{"speaker":"Speaker 2","startTime":1445.436,"endTime":1445.456,"body":"a"},{"speaker":"Speaker 2","startTime":1445.456,"endTime":1445.456,"body":" "},{"speaker":"Speaker 2","startTime":1445.516,"endTime":1445.797,"body":"larger"},{"speaker":"Speaker 2","startTime":1445.797,"endTime":1445.797,"body":" "},{"speaker":"Speaker 2","startTime":1445.837,"endTime":1446.158,"body":"capital"},{"speaker":"Speaker 2","startTime":1446.158,"endTime":1446.158,"body":" "},{"speaker":"Speaker 2","startTime":1446.259,"endTime":1446.56,"body":"outlay"},{"speaker":"Speaker 2","startTime":1446.56,"endTime":1446.56,"body":" "},{"speaker":"Speaker 2","startTime":1446.64,"endTime":1446.74,"body":"for"},{"speaker":"Speaker 2","startTime":1446.74,"endTime":1446.74,"body":" "},{"speaker":"Speaker 2","startTime":1446.781,"endTime":1446.961,"body":"your"},{"speaker":"Speaker 2","startTime":1446.961,"endTime":1446.961,"body":" "},{"speaker":"Speaker 2","startTime":1447.102,"endTime":1447.523,"body":"investment"},{"speaker":"Speaker 2","startTime":1447.523,"endTime":1447.523,"body":" "},{"speaker":"Speaker 2","startTime":1447.856,"endTime":1447.916,"body":"and"},{"speaker":"Speaker 2","startTime":1447.916,"endTime":1447.916,"body":" "},{"speaker":"Speaker 2","startTime":1447.936,"endTime":1448.097,"body":"that's"},{"speaker":"Speaker 2","startTime":1448.097,"endTime":1448.097,"body":" "},{"speaker":"Speaker 2","startTime":1448.117,"endTime":1448.217,"body":"why"},{"speaker":"Speaker 2","startTime":1448.217,"endTime":1448.217,"body":" "},{"speaker":"Speaker 2","startTime":1448.257,"endTime":1448.337,"body":"we"},{"speaker":"Speaker 2","startTime":1448.337,"endTime":1448.337,"body":" "},{"speaker":"Speaker 2","startTime":1448.357,"endTime":1448.518,"body":"would"},{"speaker":"Speaker 2","startTime":1448.518,"endTime":1448.518,"body":" "},{"speaker":"Speaker 2","startTime":1448.879,"endTime":1449.08,"body":"say"},{"speaker":"Speaker 2","startTime":1449.08,"endTime":1449.08,"body":" "},{"speaker":"Speaker 2","startTime":1449.14,"endTime":1449.281,"body":"that"},{"speaker":"Speaker 2","startTime":1449.281,"endTime":1449.281,"body":" "},{"speaker":"Speaker 2","startTime":1449.341,"endTime":1449.501,"body":"this"},{"speaker":"Speaker 2","startTime":1449.501,"endTime":1449.501,"body":" "},{"speaker":"Speaker 2","startTime":1449.562,"endTime":1449.642,"body":"is"},{"speaker":"Speaker 2","startTime":1449.642,"endTime":1449.642,"body":" "},{"speaker":"Speaker 2","startTime":1449.722,"endTime":1449.863,"body":"more"},{"speaker":"Speaker 2","startTime":1449.863,"endTime":1449.863,"body":" "},{"speaker":"Speaker 2","startTime":1449.903,"endTime":1450.284,"body":"suitable"},{"speaker":"Speaker 2","startTime":1450.284,"endTime":1450.284,"body":" "},{"speaker":"Speaker 2","startTime":1450.415,"endTime":1450.696,"body":"for"},{"speaker":"Speaker 2","startTime":1450.696,"endTime":1450.696,"body":" "},{"speaker":"Speaker 2","startTime":1451.799,"endTime":1451.96,"body":"those"},{"speaker":"Speaker 2","startTime":1451.96,"endTime":1451.96,"body":" "},{"speaker":"Speaker 2","startTime":1451.98,"endTime":1452.18,"body":"higher"},{"speaker":"Speaker 2","startTime":1452.18,"endTime":1452.18,"body":" "},{"speaker":"Speaker 2","startTime":1452.24,"endTime":1452.361,"body":"net"},{"speaker":"Speaker 2","startTime":1452.361,"endTime":1452.361,"body":" "},{"speaker":"Speaker 2","startTime":1452.381,"endTime":1452.561,"body":"worth"},{"speaker":"Speaker 2","startTime":1452.561,"endTime":1452.561,"body":" "},{"speaker":"Speaker 2","startTime":1453.524,"endTime":1454.066,"body":"investors"},{"speaker":"Speaker 2","startTime":1454.066,"endTime":1454.066,"body":" "},{"speaker":"Speaker 2","startTime":1454.175,"endTime":1454.255,"body":"that"},{"speaker":"Speaker 2","startTime":1454.255,"endTime":1454.255,"body":" "},{"speaker":"Speaker 2","startTime":1454.316,"endTime":1454.556,"body":"have"},{"speaker":"Speaker 2","startTime":1454.556,"endTime":1454.556,"body":" "},{"speaker":"Speaker 2","startTime":1454.657,"endTime":1454.777,"body":"more"},{"speaker":"Speaker 2","startTime":1454.777,"endTime":1454.777,"body":" "},{"speaker":"Speaker 2","startTime":1454.817,"endTime":1455.299,"body":"liquidity"},{"speaker":"Speaker 2","startTime":1455.299,"endTime":1455.299,"body":" "},{"speaker":"Speaker 2","startTime":1455.359,"endTime":1455.44,"body":"and"},{"speaker":"Speaker 2","startTime":1455.44,"endTime":1455.44,"body":" "},{"speaker":"Speaker 2","startTime":1455.46,"endTime":1455.62,"body":"more"},{"speaker":"Speaker 2","startTime":1455.62,"endTime":1455.62,"body":" "},{"speaker":"Speaker 2","startTime":1455.761,"endTime":1456.042,"body":"assets"},{"speaker":"Speaker 2","startTime":1456.042,"endTime":1456.042,"body":","},{"speaker":"Speaker 2","startTime":1456.042,"endTime":1456.042,"body":" "},{"speaker":"Speaker 2","startTime":1457.357,"endTime":1457.698,"body":"that"},{"speaker":"Speaker 2","startTime":1457.698,"endTime":1457.698,"body":" "},{"speaker":"Speaker 2","startTime":1457.718,"endTime":1458.921,"body":"they're"},{"speaker":"Speaker 2","startTime":1458.921,"endTime":1458.921,"body":" "},{"speaker":"Speaker 2","startTime":1458.941,"endTime":1459.062,"body":"more"},{"speaker":"Speaker 2","startTime":1459.062,"endTime":1459.062,"body":" "},{"speaker":"Speaker 2","startTime":1459.082,"endTime":1459.463,"body":"investable"},{"speaker":"Speaker 2","startTime":1459.463,"endTime":1459.463,"body":" "},{"speaker":"Speaker 2","startTime":1459.543,"endTime":1459.904,"body":"assets"},{"speaker":"Speaker 2","startTime":1459.904,"endTime":1459.904,"body":"."},{"speaker":"Speaker 2","startTime":1459.904,"endTime":1459.904,"body":" "},{"speaker":"Speaker 2","startTime":1460.995,"endTime":1461.176,"body":"Then"},{"speaker":"Speaker 2","startTime":1461.176,"endTime":1461.176,"body":" "},{"speaker":"Speaker 2","startTime":1461.256,"endTime":1461.416,"body":"I'd"},{"speaker":"Speaker 2","startTime":1461.416,"endTime":1461.416,"body":" "},{"speaker":"Speaker 2","startTime":1461.437,"endTime":1461.537,"body":"say"},{"speaker":"Speaker 2","startTime":1461.537,"endTime":1461.537,"body":" "},{"speaker":"Speaker 2","startTime":1461.577,"endTime":1461.657,"body":"the"},{"speaker":"Speaker 2","startTime":1461.657,"endTime":1461.657,"body":" "},{"speaker":"Speaker 2","startTime":1461.697,"endTime":1461.918,"body":"other"},{"speaker":"Speaker 2","startTime":1461.918,"endTime":1461.918,"body":" "},{"speaker":"Speaker 2","startTime":1462.32,"endTime":1462.922,"body":"shortcoming"},{"speaker":"Speaker 2","startTime":1462.922,"endTime":1462.922,"body":" "},{"speaker":"Speaker 2","startTime":1463.243,"endTime":1463.363,"body":"is"},{"speaker":"Speaker 2","startTime":1463.363,"endTime":1463.363,"body":" "},{"speaker":"Speaker 2","startTime":1463.935,"endTime":1464.015,"body":"just"},{"speaker":"Speaker 2","startTime":1464.015,"endTime":1464.015,"body":" "},{"speaker":"Speaker 2","startTime":1464.036,"endTime":1464.196,"body":"being"},{"speaker":"Speaker 2","startTime":1464.196,"endTime":1464.196,"body":" "},{"speaker":"Speaker 2","startTime":1464.216,"endTime":1464.638,"body":"comfortable"},{"speaker":"Speaker 2","startTime":1464.638,"endTime":1464.638,"body":" "},{"speaker":"Speaker 2","startTime":1464.759,"endTime":1464.9,"body":"with"},{"speaker":"Speaker 2","startTime":1464.9,"endTime":1464.9,"body":" "},{"speaker":"Speaker 2","startTime":1464.96,"endTime":1465.161,"body":"owning"},{"speaker":"Speaker 2","startTime":1465.161,"endTime":1465.161,"body":" "},{"speaker":"Speaker 2","startTime":1465.195,"endTime":1465.215,"body":"a"},{"speaker":"Speaker 2","startTime":1465.215,"endTime":1465.215,"body":" "},{"speaker":"Speaker 2","startTime":1465.255,"endTime":1465.637,"body":"separately"},{"speaker":"Speaker 2","startTime":1465.637,"endTime":1465.637,"body":" "},{"speaker":"Speaker 2","startTime":1465.677,"endTime":1465.958,"body":"managed"},{"speaker":"Speaker 2","startTime":1465.958,"endTime":1465.958,"body":" "},{"speaker":"Speaker 2","startTime":1465.978,"endTime":1466.279,"body":"account"},{"speaker":"Speaker 2","startTime":1466.279,"endTime":1466.279,"body":"."},{"speaker":"Speaker 2","startTime":1466.279,"endTime":1466.279,"body":" "},{"speaker":"Speaker 2","startTime":1467.015,"endTime":1468.338,"body":"There's"},{"speaker":"Speaker 2","startTime":1468.338,"endTime":1468.338,"body":" "},{"speaker":"Speaker 2","startTime":1468.659,"endTime":1468.84,"body":"some"},{"speaker":"Speaker 2","startTime":1468.84,"endTime":1468.84,"body":" "},{"speaker":"Speaker 2","startTime":1468.92,"endTime":1469.501,"body":"delays"},{"speaker":"Speaker 2","startTime":1469.501,"endTime":1469.501,"body":" "},{"speaker":"Speaker 2","startTime":1469.842,"endTime":1470.023,"body":"with"},{"speaker":"Speaker 2","startTime":1470.023,"endTime":1470.023,"body":" "},{"speaker":"Speaker 2","startTime":1470.043,"endTime":1470.103,"body":"the"},{"speaker":"Speaker 2","startTime":1470.103,"endTime":1470.103,"body":" "},{"speaker":"Speaker 2","startTime":1470.143,"endTime":1470.965,"body":"implementation"},{"speaker":"Speaker 2","startTime":1470.965,"endTime":1470.965,"body":" "},{"speaker":"Speaker 2","startTime":1471.875,"endTime":1471.956,"body":"as"},{"speaker":"Speaker 2","startTime":1471.956,"endTime":1471.956,"body":" "},{"speaker":"Speaker 2","startTime":1471.996,"endTime":1472.116,"body":"far"},{"speaker":"Speaker 2","startTime":1472.116,"endTime":1472.116,"body":" "},{"speaker":"Speaker 2","startTime":1472.176,"endTime":1472.237,"body":"as"},{"speaker":"Speaker 2","startTime":1472.237,"endTime":1472.237,"body":" "},{"speaker":"Speaker 2","startTime":1472.277,"endTime":1473.16,"body":"timing"},{"speaker":"Speaker 2","startTime":1473.16,"endTime":1473.16,"body":"."},{"speaker":"Speaker 2","startTime":1473.16,"endTime":1473.16,"body":" "},{"speaker":"Speaker 2","startTime":1473.2,"endTime":1473.301,"body":"It's"},{"speaker":"Speaker 2","startTime":1473.301,"endTime":1473.301,"body":" "},{"speaker":"Speaker 2","startTime":1473.341,"endTime":1473.481,"body":"not"},{"speaker":"Speaker 2","startTime":1473.481,"endTime":1473.481,"body":" "},{"speaker":"Speaker 2","startTime":1473.521,"endTime":1473.682,"body":"like"},{"speaker":"Speaker 2","startTime":1473.682,"endTime":1473.682,"body":" "},{"speaker":"Speaker 2","startTime":1473.702,"endTime":1473.883,"body":"just"},{"speaker":"Speaker 2","startTime":1473.883,"endTime":1473.883,"body":" "},{"speaker":"Speaker 2","startTime":1475.855,"endTime":1476.177,"body":"journaling"},{"speaker":"Speaker 2","startTime":1476.177,"endTime":1476.177,"body":" "},{"speaker":"Speaker 2","startTime":1476.197,"endTime":1476.277,"body":"your"},{"speaker":"Speaker 2","startTime":1476.277,"endTime":1476.277,"body":" "},{"speaker":"Speaker 2","startTime":1476.378,"endTime":1476.659,"body":"assets"},{"speaker":"Speaker 2","startTime":1476.659,"endTime":1476.659,"body":" "},{"speaker":"Speaker 2","startTime":1476.739,"endTime":1476.88,"body":"over"},{"speaker":"Speaker 2","startTime":1476.88,"endTime":1476.88,"body":" "},{"speaker":"Speaker 2","startTime":1477.075,"endTime":1477.136,"body":"and"},{"speaker":"Speaker 2","startTime":1477.136,"endTime":1477.136,"body":" "},{"speaker":"Speaker 2","startTime":1477.156,"endTime":1477.216,"body":"we"},{"speaker":"Speaker 2","startTime":1477.216,"endTime":1477.216,"body":" "},{"speaker":"Speaker 2","startTime":1477.236,"endTime":1477.296,"body":"can"},{"speaker":"Speaker 2","startTime":1477.296,"endTime":1477.296,"body":" "},{"speaker":"Speaker 2","startTime":1477.356,"endTime":1477.718,"body":"immediately"},{"speaker":"Speaker 2","startTime":1477.718,"endTime":1477.718,"body":" "},{"speaker":"Speaker 2","startTime":1477.778,"endTime":1478.099,"body":"invest"},{"speaker":"Speaker 2","startTime":1478.099,"endTime":1478.099,"body":" "},{"speaker":"Speaker 2","startTime":1478.159,"endTime":1478.22,"body":"it"},{"speaker":"Speaker 2","startTime":1478.22,"endTime":1478.22,"body":"."},{"speaker":"Speaker 2","startTime":1478.22,"endTime":1478.22,"body":" "},{"speaker":"Speaker 2","startTime":1478.22,"endTime":1478.22,"body":"\n"},{"speaker":"Speaker 1","startTime":1479.436,"endTime":1479.657,"body":"There's"},{"speaker":"Speaker 1","startTime":1479.657,"endTime":1479.657,"body":" "},{"speaker":"Speaker 1","startTime":1479.697,"endTime":1479.938,"body":"work"},{"speaker":"Speaker 1","startTime":1479.938,"endTime":1479.938,"body":" "},{"speaker":"Speaker 1","startTime":1479.978,"endTime":1480.118,"body":"that"},{"speaker":"Speaker 1","startTime":1480.118,"endTime":1480.118,"body":" "},{"speaker":"Speaker 1","startTime":1480.158,"endTime":1480.439,"body":"takes"},{"speaker":"Speaker 1","startTime":1480.439,"endTime":1480.439,"body":" "},{"speaker":"Speaker 1","startTime":1481.041,"endTime":1481.302,"body":"there's"},{"speaker":"Speaker 1","startTime":1481.302,"endTime":1481.302,"body":" "},{"speaker":"Speaker 1","startTime":1481.322,"endTime":1481.343,"body":"a"},{"speaker":"Speaker 1","startTime":1481.343,"endTime":1481.343,"body":" "},{"speaker":"Speaker 1","startTime":1481.383,"endTime":1481.503,"body":"lot"},{"speaker":"Speaker 1","startTime":1481.503,"endTime":1481.503,"body":" "},{"speaker":"Speaker 1","startTime":1481.543,"endTime":1481.583,"body":"of"},{"speaker":"Speaker 1","startTime":1481.583,"endTime":1481.583,"body":" "},{"speaker":"Speaker 1","startTime":1481.624,"endTime":1481.784,"body":"work"},{"speaker":"Speaker 1","startTime":1481.784,"endTime":1481.784,"body":" "},{"speaker":"Speaker 1","startTime":1481.956,"endTime":1481.996,"body":"in"},{"speaker":"Speaker 1","startTime":1481.996,"endTime":1481.996,"body":" "},{"speaker":"Speaker 1","startTime":1482.096,"endTime":1482.177,"body":"the"},{"speaker":"Speaker 1","startTime":1482.177,"endTime":1482.177,"body":" "},{"speaker":"Speaker 1","startTime":1482.197,"endTime":1482.418,"body":"background"},{"speaker":"Speaker 1","startTime":1482.418,"endTime":1482.418,"body":" "},{"speaker":"Speaker 1","startTime":1482.439,"endTime":1482.559,"body":"that"},{"speaker":"Speaker 1","startTime":1482.559,"endTime":1482.559,"body":" "},{"speaker":"Speaker 1","startTime":1482.579,"endTime":1482.781,"body":"goes"},{"speaker":"Speaker 1","startTime":1482.781,"endTime":1482.781,"body":" "},{"speaker":"Speaker 1","startTime":1482.861,"endTime":1482.922,"body":"in"},{"speaker":"Speaker 1","startTime":1482.922,"endTime":1482.922,"body":" "},{"speaker":"Speaker 1","startTime":1483.015,"endTime":1483.376,"body":"before"},{"speaker":"Speaker 1","startTime":1483.376,"endTime":1483.376,"body":" "},{"speaker":"Speaker 1","startTime":1483.798,"endTime":1483.979,"body":"your"},{"speaker":"Speaker 1","startTime":1483.979,"endTime":1483.979,"body":" "},{"speaker":"Speaker 1","startTime":1483.999,"endTime":1484.4,"body":"strategy"},{"speaker":"Speaker 1","startTime":1484.4,"endTime":1484.4,"body":" "},{"speaker":"Speaker 1","startTime":1484.42,"endTime":1484.541,"body":"can"},{"speaker":"Speaker 1","startTime":1484.541,"endTime":1484.541,"body":" "},{"speaker":"Speaker 1","startTime":1484.561,"endTime":1484.762,"body":"start"},{"speaker":"Speaker 1","startTime":1484.762,"endTime":1484.762,"body":" "},{"speaker":"Speaker 1","startTime":1484.802,"endTime":1485.083,"body":"moving"},{"speaker":"Speaker 1","startTime":1485.083,"endTime":1485.083,"body":" "},{"speaker":"Speaker 1","startTime":1485.295,"endTime":1485.416,"body":"Right"},{"speaker":"Speaker 1","startTime":1485.416,"endTime":1485.416,"body":"."},{"speaker":"Speaker 1","startTime":1485.416,"endTime":1485.416,"body":" "},{"speaker":"Speaker 1","startTime":1485.456,"endTime":1485.516,"body":"We"},{"speaker":"Speaker 1","startTime":1485.516,"endTime":1485.516,"body":" "},{"speaker":"Speaker 1","startTime":1485.536,"endTime":1485.757,"body":"have"},{"speaker":"Speaker 1","startTime":1485.757,"endTime":1485.757,"body":" "},{"speaker":"Speaker 1","startTime":1485.777,"endTime":1485.898,"body":"to"},{"speaker":"Speaker 1","startTime":1485.898,"endTime":1485.898,"body":"."},{"speaker":"Speaker 1","startTime":1485.898,"endTime":1485.898,"body":" "},{"speaker":"Speaker 1","startTime":1485.938,"endTime":1485.978,"body":"It"},{"speaker":"Speaker 1","startTime":1485.978,"endTime":1485.978,"body":" "},{"speaker":"Speaker 1","startTime":1485.998,"endTime":1486.119,"body":"could"},{"speaker":"Speaker 1","startTime":1486.119,"endTime":1486.119,"body":" "},{"speaker":"Speaker 1","startTime":1486.139,"endTime":1486.259,"body":"take"},{"speaker":"Speaker 1","startTime":1486.259,"endTime":1486.259,"body":" "},{"speaker":"Speaker 1","startTime":1486.299,"endTime":1486.34,"body":"a"},{"speaker":"Speaker 1","startTime":1486.34,"endTime":1486.34,"body":" "},{"speaker":"Speaker 1","startTime":1486.36,"endTime":1486.56,"body":"couple"},{"speaker":"Speaker 1","startTime":1486.56,"endTime":1486.56,"body":" "},{"speaker":"Speaker 1","startTime":1486.581,"endTime":1486.621,"body":"of"},{"speaker":"Speaker 1","startTime":1486.621,"endTime":1486.621,"body":" "},{"speaker":"Speaker 1","startTime":1486.661,"endTime":1486.922,"body":"weeks"},{"speaker":"Speaker 1","startTime":1486.922,"endTime":1486.922,"body":"."},{"speaker":"Speaker 1","startTime":1486.922,"endTime":1486.922,"body":" "},{"speaker":"Speaker 1","startTime":1486.922,"endTime":1486.922,"body":"\n"},{"speaker":"Speaker 2","startTime":1487.015,"endTime":1487.156,"body":"Yeah"},{"speaker":"Speaker 2","startTime":1487.156,"endTime":1487.156,"body":","},{"speaker":"Speaker 2","startTime":1487.156,"endTime":1487.156,"body":" "},{"speaker":"Speaker 2","startTime":1487.196,"endTime":1487.236,"body":"it"},{"speaker":"Speaker 2","startTime":1487.236,"endTime":1487.236,"body":" "},{"speaker":"Speaker 2","startTime":1487.256,"endTime":1487.377,"body":"could"},{"speaker":"Speaker 2","startTime":1487.377,"endTime":1487.377,"body":" "},{"speaker":"Speaker 2","startTime":1487.397,"endTime":1487.518,"body":"take"},{"speaker":"Speaker 2","startTime":1487.518,"endTime":1487.518,"body":" "},{"speaker":"Speaker 2","startTime":1487.558,"endTime":1487.618,"body":"a"},{"speaker":"Speaker 2","startTime":1487.618,"endTime":1487.618,"body":" "},{"speaker":"Speaker 2","startTime":1488.402,"endTime":1488.543,"body":"couple"},{"speaker":"Speaker 2","startTime":1488.543,"endTime":1488.543,"body":" "},{"speaker":"Speaker 2","startTime":1488.563,"endTime":1488.603,"body":"of"},{"speaker":"Speaker 2","startTime":1488.603,"endTime":1488.603,"body":" "},{"speaker":"Speaker 2","startTime":1488.623,"endTime":1488.784,"body":"weeks"},{"speaker":"Speaker 2","startTime":1488.784,"endTime":1488.784,"body":"."},{"speaker":"Speaker 2","startTime":1488.784,"endTime":1488.784,"body":" "},{"speaker":"Speaker 2","startTime":1489.035,"endTime":1489.156,"body":"We're"},{"speaker":"Speaker 2","startTime":1489.156,"endTime":1489.156,"body":" "},{"speaker":"Speaker 2","startTime":1489.176,"endTime":1489.439,"body":"working"},{"speaker":"Speaker 2","startTime":1489.439,"endTime":1489.439,"body":" "},{"speaker":"Speaker 2","startTime":1489.601,"endTime":1489.661,"body":"on"},{"speaker":"Speaker 2","startTime":1489.661,"endTime":1489.661,"body":" "},{"speaker":"Speaker 2","startTime":1491.658,"endTime":1492.039,"body":"increasing"},{"speaker":"Speaker 2","startTime":1492.039,"endTime":1492.039,"body":" "},{"speaker":"Speaker 2","startTime":1492.059,"endTime":1492.2,"body":"those"},{"speaker":"Speaker 2","startTime":1492.2,"endTime":1492.2,"body":" "},{"speaker":"Speaker 2","startTime":1492.22,"endTime":1492.862,"body":"efficiencies"},{"speaker":"Speaker 2","startTime":1492.862,"endTime":1492.862,"body":" "},{"speaker":"Speaker 2","startTime":1492.882,"endTime":1493.103,"body":"there"},{"speaker":"Speaker 2","startTime":1493.103,"endTime":1493.103,"body":"."},{"speaker":"Speaker 2","startTime":1493.103,"endTime":1493.103,"body":" "},{"speaker":"Speaker 2","startTime":1493.837,"endTime":1493.917,"body":"But"},{"speaker":"Speaker 2","startTime":1493.917,"endTime":1493.917,"body":" "},{"speaker":"Speaker 2","startTime":1493.937,"endTime":1494.098,"body":"there's"},{"speaker":"Speaker 2","startTime":1494.098,"endTime":1494.098,"body":" "},{"speaker":"Speaker 2","startTime":1494.138,"endTime":1494.258,"body":"back"},{"speaker":"Speaker 2","startTime":1494.258,"endTime":1494.258,"body":" "},{"speaker":"Speaker 2","startTime":1494.278,"endTime":1494.358,"body":"and"},{"speaker":"Speaker 2","startTime":1494.358,"endTime":1494.358,"body":" "},{"speaker":"Speaker 2","startTime":1494.378,"endTime":1494.619,"body":"forth"},{"speaker":"Speaker 2","startTime":1494.619,"endTime":1494.619,"body":" "},{"speaker":"Speaker 2","startTime":1494.659,"endTime":1495.281,"body":"between"},{"speaker":"Speaker 2","startTime":1495.281,"endTime":1495.281,"body":" "},{"speaker":"Speaker 2","startTime":1495.822,"endTime":1496.364,"body":"myself"},{"speaker":"Speaker 2","startTime":1496.364,"endTime":1496.364,"body":" "},{"speaker":"Speaker 2","startTime":1496.745,"endTime":1496.805,"body":"and"},{"speaker":"Speaker 2","startTime":1496.805,"endTime":1496.805,"body":" "},{"speaker":"Speaker 2","startTime":1496.845,"endTime":1497.286,"body":"Casey"},{"speaker":"Speaker 2","startTime":1497.286,"endTime":1497.286,"body":" "},{"speaker":"Speaker 2","startTime":1497.616,"endTime":1497.696,"body":"and"},{"speaker":"Speaker 2","startTime":1497.696,"endTime":1497.696,"body":" "},{"speaker":"Speaker 2","startTime":1497.716,"endTime":1498.158,"body":"MSC"},{"speaker":"Speaker 2","startTime":1498.158,"endTime":1498.158,"body":" "},{"speaker":"Speaker 2","startTime":1498.279,"endTime":1498.66,"body":"on"},{"speaker":"Speaker 2","startTime":1498.66,"endTime":1498.66,"body":" "},{"speaker":"Speaker 2","startTime":1498.68,"endTime":1498.74,"body":"the"},{"speaker":"Speaker 2","startTime":1498.74,"endTime":1498.74,"body":" "},{"speaker":"Speaker 2","startTime":1498.78,"endTime":1499.182,"body":"advisor"},{"speaker":"Speaker 2","startTime":1499.182,"endTime":1499.182,"body":" "},{"speaker":"Speaker 2","startTime":1499.222,"endTime":1499.523,"body":"side"},{"speaker":"Speaker 2","startTime":1499.523,"endTime":1499.523,"body":" "},{"speaker":"Speaker 2","startTime":1499.615,"endTime":1499.716,"body":"just"},{"speaker":"Speaker 2","startTime":1499.716,"endTime":1499.716,"body":" "},{"speaker":"Speaker 2","startTime":1499.736,"endTime":1499.776,"body":"to"},{"speaker":"Speaker 2","startTime":1499.776,"endTime":1499.776,"body":" "},{"speaker":"Speaker 2","startTime":1499.816,"endTime":1499.936,"body":"make"},{"speaker":"Speaker 2","startTime":1499.936,"endTime":1499.936,"body":" "},{"speaker":"Speaker 2","startTime":1499.977,"endTime":1500.137,"body":"sure"},{"speaker":"Speaker 2","startTime":1500.137,"endTime":1500.137,"body":" "},{"speaker":"Speaker 2","startTime":1500.177,"endTime":1500.278,"body":"that"},{"speaker":"Speaker 2","startTime":1500.278,"endTime":1500.278,"body":" "},{"speaker":"Speaker 2","startTime":1500.298,"endTime":1500.459,"body":"we're"},{"speaker":"Speaker 2","startTime":1500.459,"endTime":1500.459,"body":" "},{"speaker":"Speaker 2","startTime":1500.479,"endTime":1500.539,"body":"all"},{"speaker":"Speaker 2","startTime":1500.539,"endTime":1500.539,"body":" "},{"speaker":"Speaker 2","startTime":1500.559,"endTime":1500.619,"body":"on"},{"speaker":"Speaker 2","startTime":1500.619,"endTime":1500.619,"body":" "},{"speaker":"Speaker 2","startTime":1500.639,"endTime":1500.72,"body":"the"},{"speaker":"Speaker 2","startTime":1500.72,"endTime":1500.72,"body":" "},{"speaker":"Speaker 2","startTime":1500.76,"endTime":1500.921,"body":"same"},{"speaker":"Speaker 2","startTime":1500.921,"endTime":1500.921,"body":" "},{"speaker":"Speaker 2","startTime":1500.961,"endTime":1501.242,"body":"page"},{"speaker":"Speaker 2","startTime":1501.242,"endTime":1501.242,"body":" "},{"speaker":"Speaker 2","startTime":1501.556,"endTime":1501.696,"body":"from"},{"speaker":"Speaker 2","startTime":1501.696,"endTime":1501.696,"body":" "},{"speaker":"Speaker 2","startTime":1501.716,"endTime":1501.817,"body":"an"},{"speaker":"Speaker 2","startTime":1501.817,"endTime":1501.817,"body":" "},{"speaker":"Speaker 2","startTime":1502.399,"endTime":1503.041,"body":"implementation"},{"speaker":"Speaker 2","startTime":1503.041,"endTime":1503.041,"body":" "},{"speaker":"Speaker 2","startTime":1503.061,"endTime":1503.523,"body":"standpoint"},{"speaker":"Speaker 2","startTime":1503.523,"endTime":1503.523,"body":"."},{"speaker":"Speaker 2","startTime":1503.523,"endTime":1503.523,"body":" "},{"speaker":"Speaker 2","startTime":1503.875,"endTime":1503.955,"body":"But"},{"speaker":"Speaker 2","startTime":1503.955,"endTime":1503.955,"body":" "},{"speaker":"Speaker 2","startTime":1503.975,"endTime":1504.096,"body":"then"},{"speaker":"Speaker 2","startTime":1504.096,"endTime":1504.096,"body":" "},{"speaker":"Speaker 2","startTime":1504.136,"endTime":1504.236,"body":"we"},{"speaker":"Speaker 2","startTime":1504.236,"endTime":1504.236,"body":" "},{"speaker":"Speaker 2","startTime":1504.256,"endTime":1504.356,"body":"have"},{"speaker":"Speaker 2","startTime":1504.356,"endTime":1504.356,"body":" "},{"speaker":"Speaker 2","startTime":1504.376,"endTime":1504.457,"body":"to"},{"speaker":"Speaker 2","startTime":1504.457,"endTime":1504.457,"body":" "},{"speaker":"Speaker 2","startTime":1504.497,"endTime":1504.717,"body":"relay"},{"speaker":"Speaker 2","startTime":1504.717,"endTime":1504.717,"body":" "},{"speaker":"Speaker 2","startTime":1504.738,"endTime":1504.878,"body":"that"},{"speaker":"Speaker 2","startTime":1504.878,"endTime":1504.878,"body":" "},{"speaker":"Speaker 2","startTime":1504.898,"endTime":1505.038,"body":"to"},{"speaker":"Speaker 2","startTime":1505.038,"endTime":1505.038,"body":" "},{"speaker":"Speaker 2","startTime":1505.058,"endTime":1505.299,"body":"the"},{"speaker":"Speaker 2","startTime":1505.299,"endTime":1505.299,"body":" "},{"speaker":"Speaker 2","startTime":1506.021,"endTime":1506.202,"body":"manager"},{"speaker":"Speaker 2","startTime":1506.202,"endTime":1506.202,"body":" "},{"speaker":"Speaker 2","startTime":1507.795,"endTime":1507.855,"body":"and"},{"speaker":"Speaker 2","startTime":1507.855,"endTime":1507.855,"body":" "},{"speaker":"Speaker 2","startTime":1507.875,"endTime":1507.996,"body":"then"},{"speaker":"Speaker 2","startTime":1507.996,"endTime":1507.996,"body":" "},{"speaker":"Speaker 2","startTime":1508.056,"endTime":1508.196,"body":"work"},{"speaker":"Speaker 2","startTime":1508.196,"endTime":1508.196,"body":" "},{"speaker":"Speaker 2","startTime":1508.217,"endTime":1508.317,"body":"with"},{"speaker":"Speaker 2","startTime":1508.317,"endTime":1508.317,"body":" "},{"speaker":"Speaker 2","startTime":1508.337,"endTime":1508.417,"body":"the"},{"speaker":"Speaker 2","startTime":1508.417,"endTime":1508.417,"body":" "},{"speaker":"Speaker 2","startTime":1508.437,"endTime":1508.799,"body":"manager"},{"speaker":"Speaker 2","startTime":1508.799,"endTime":1508.799,"body":" "},{"speaker":"Speaker 2","startTime":1508.839,"endTime":1509.0,"body":"just"},{"speaker":"Speaker 2","startTime":1509.0,"endTime":1509.0,"body":" "},{"speaker":"Speaker 2","startTime":1509.02,"endTime":1509.08,"body":"to"},{"speaker":"Speaker 2","startTime":1509.08,"endTime":1509.08,"body":" "},{"speaker":"Speaker 2","startTime":1509.12,"endTime":1509.24,"body":"get"},{"speaker":"Speaker 2","startTime":1509.24,"endTime":1509.24,"body":" "},{"speaker":"Speaker 2","startTime":1509.281,"endTime":1509.642,"body":"everything"},{"speaker":"Speaker 2","startTime":1509.642,"endTime":1509.642,"body":" "},{"speaker":"Speaker 2","startTime":1509.722,"endTime":1509.883,"body":"over"},{"speaker":"Speaker 2","startTime":1509.883,"endTime":1509.883,"body":"."},{"speaker":"Speaker 2","startTime":1509.883,"endTime":1509.883,"body":" "},{"speaker":"Speaker 2","startTime":1510.115,"endTime":1510.196,"body":"And"},{"speaker":"Speaker 2","startTime":1510.196,"endTime":1510.196,"body":" "},{"speaker":"Speaker 2","startTime":1510.216,"endTime":1510.376,"body":"then"},{"speaker":"Speaker 2","startTime":1510.376,"endTime":1510.376,"body":" "},{"speaker":"Speaker 2","startTime":1510.417,"endTime":1510.577,"body":"you"},{"speaker":"Speaker 2","startTime":1510.577,"endTime":1510.577,"body":" "},{"speaker":"Speaker 2","startTime":1510.618,"endTime":1510.758,"body":"have"},{"speaker":"Speaker 2","startTime":1510.758,"endTime":1510.758,"body":" "},{"speaker":"Speaker 2","startTime":1510.798,"endTime":1510.919,"body":"to"},{"speaker":"Speaker 2","startTime":1510.919,"endTime":1510.919,"body":" "},{"speaker":"Speaker 2","startTime":1513.135,"endTime":1513.316,"body":"whether"},{"speaker":"Speaker 2","startTime":1513.316,"endTime":1513.316,"body":" "},{"speaker":"Speaker 2","startTime":1513.356,"endTime":1513.476,"body":"it's"},{"speaker":"Speaker 2","startTime":1513.476,"endTime":1513.476,"body":" "},{"speaker":"Speaker 2","startTime":1513.637,"endTime":1513.958,"body":"selling"},{"speaker":"Speaker 2","startTime":1513.958,"endTime":1513.958,"body":" "},{"speaker":"Speaker 2","startTime":1514.319,"endTime":1514.379,"body":"on"},{"speaker":"Speaker 2","startTime":1514.379,"endTime":1514.379,"body":" "},{"speaker":"Speaker 2","startTime":1514.459,"endTime":1514.56,"body":"our"},{"speaker":"Speaker 2","startTime":1514.56,"endTime":1514.56,"body":" "},{"speaker":"Speaker 2","startTime":1514.7,"endTime":1514.841,"body":"end"},{"speaker":"Speaker 2","startTime":1514.841,"endTime":1514.841,"body":" "},{"speaker":"Speaker 2","startTime":1514.861,"endTime":1514.941,"body":"to"},{"speaker":"Speaker 2","startTime":1514.941,"endTime":1514.941,"body":" "},{"speaker":"Speaker 2","startTime":1514.961,"endTime":1515.122,"body":"get"},{"speaker":"Speaker 2","startTime":1515.122,"endTime":1515.122,"body":" "},{"speaker":"Speaker 2","startTime":1515.423,"endTime":1515.503,"body":"the"},{"speaker":"Speaker 2","startTime":1515.503,"endTime":1515.503,"body":" "},{"speaker":"Speaker 2","startTime":1515.523,"endTime":1515.804,"body":"account"},{"speaker":"Speaker 2","startTime":1515.804,"endTime":1515.804,"body":" "},{"speaker":"Speaker 2","startTime":1515.864,"endTime":1516.125,"body":"ready"},{"speaker":"Speaker 2","startTime":1516.125,"endTime":1516.125,"body":" "},{"speaker":"Speaker 2","startTime":1516.195,"endTime":1516.255,"body":"and"},{"speaker":"Speaker 2","startTime":1516.255,"endTime":1516.255,"body":" "},{"speaker":"Speaker 2","startTime":1516.275,"endTime":1516.376,"body":"then"},{"speaker":"Speaker 2","startTime":1516.376,"endTime":1516.376,"body":" "},{"speaker":"Speaker 2","startTime":1516.416,"endTime":1516.938,"body":"journaling"},{"speaker":"Speaker 2","startTime":1516.938,"endTime":1516.938,"body":" "},{"speaker":"Speaker 2","startTime":1517.259,"endTime":1517.46,"body":"whether"},{"speaker":"Speaker 2","startTime":1517.46,"endTime":1517.46,"body":" "},{"speaker":"Speaker 2","startTime":1517.48,"endTime":1517.561,"body":"it's"},{"speaker":"Speaker 2","startTime":1517.561,"endTime":1517.561,"body":" "},{"speaker":"Speaker 2","startTime":1517.581,"endTime":1517.962,"body":"shares"},{"speaker":"Speaker 2","startTime":1517.962,"endTime":1517.962,"body":" "},{"speaker":"Speaker 2","startTime":1518.055,"endTime":1518.095,"body":"or"},{"speaker":"Speaker 2","startTime":1518.095,"endTime":1518.095,"body":" "},{"speaker":"Speaker 2","startTime":1518.115,"endTime":1518.437,"body":"journaling"},{"speaker":"Speaker 2","startTime":1518.437,"endTime":1518.437,"body":" "},{"speaker":"Speaker 2","startTime":1518.457,"endTime":1518.718,"body":"cash"},{"speaker":"Speaker 2","startTime":1518.718,"endTime":1518.718,"body":" "},{"speaker":"Speaker 2","startTime":1518.798,"endTime":1518.959,"body":"over"},{"speaker":"Speaker 2","startTime":1518.959,"endTime":1518.959,"body":","},{"speaker":"Speaker 2","startTime":1518.959,"endTime":1518.959,"body":" "},{"speaker":"Speaker 2","startTime":1519.836,"endTime":1519.916,"body":"and"},{"speaker":"Speaker 2","startTime":1519.916,"endTime":1519.916,"body":" "},{"speaker":"Speaker 2","startTime":1519.936,"endTime":1520.157,"body":"then"},{"speaker":"Speaker 2","startTime":1520.157,"endTime":1520.157,"body":","},{"speaker":"Speaker 2","startTime":1520.157,"endTime":1520.157,"body":" "},{"speaker":"Speaker 2","startTime":1520.598,"endTime":1520.719,"body":"once"},{"speaker":"Speaker 2","startTime":1520.719,"endTime":1520.719,"body":" "},{"speaker":"Speaker 2","startTime":1520.739,"endTime":1520.819,"body":"the"},{"speaker":"Speaker 2","startTime":1520.819,"endTime":1520.819,"body":" "},{"speaker":"Speaker 2","startTime":1520.839,"endTime":1521.14,"body":"account's"},{"speaker":"Speaker 2","startTime":1521.14,"endTime":1521.14,"body":" "},{"speaker":"Speaker 2","startTime":1521.2,"endTime":1521.621,"body":"already"},{"speaker":"Speaker 2","startTime":1521.621,"endTime":1521.621,"body":" "},{"speaker":"Speaker 2","startTime":1521.742,"endTime":1521.902,"body":"under"},{"speaker":"Speaker 2","startTime":1521.902,"endTime":1521.902,"body":" "},{"speaker":"Speaker 2","startTime":1521.922,"endTime":1522.062,"body":"their"},{"speaker":"Speaker 2","startTime":1522.062,"endTime":1522.062,"body":" "},{"speaker":"Speaker 2","startTime":1522.103,"endTime":1522.644,"body":"management"},{"speaker":"Speaker 2","startTime":1522.644,"endTime":1522.644,"body":","},{"speaker":"Speaker 2","startTime":1522.644,"endTime":1522.644,"body":" "},{"speaker":"Speaker 2","startTime":1523.295,"endTime":1523.396,"body":"then"},{"speaker":"Speaker 2","startTime":1523.396,"endTime":1523.396,"body":" "},{"speaker":"Speaker 2","startTime":1523.416,"endTime":1523.516,"body":"they"},{"speaker":"Speaker 2","startTime":1523.516,"endTime":1523.516,"body":" "},{"speaker":"Speaker 2","startTime":1523.536,"endTime":1523.657,"body":"can"},{"speaker":"Speaker 2","startTime":1523.657,"endTime":1523.657,"body":" "},{"speaker":"Speaker 2","startTime":1523.677,"endTime":1523.857,"body":"start"},{"speaker":"Speaker 2","startTime":1523.857,"endTime":1523.857,"body":" "},{"speaker":"Speaker 2","startTime":1523.898,"endTime":1524.179,"body":"trading"},{"speaker":"Speaker 2","startTime":1524.179,"endTime":1524.179,"body":"."},{"speaker":"Speaker 2","startTime":1524.179,"endTime":1524.179,"body":" "},{"speaker":"Speaker 2","startTime":1525.818,"endTime":1525.858,"body":"So"},{"speaker":"Speaker 2","startTime":1525.858,"endTime":1525.858,"body":" "},{"speaker":"Speaker 2","startTime":1525.878,"endTime":1526.019,"body":"there"},{"speaker":"Speaker 2","startTime":1526.019,"endTime":1526.019,"body":" "},{"speaker":"Speaker 2","startTime":1526.039,"endTime":1526.099,"body":"is"},{"speaker":"Speaker 2","startTime":1526.099,"endTime":1526.099,"body":" "},{"speaker":"Speaker 2","startTime":1526.119,"endTime":1526.139,"body":"a"},{"speaker":"Speaker 2","startTime":1526.139,"endTime":1526.139,"body":" "},{"speaker":"Speaker 2","startTime":1526.159,"endTime":1526.32,"body":"little"},{"speaker":"Speaker 2","startTime":1526.32,"endTime":1526.32,"body":" "},{"speaker":"Speaker 2","startTime":1526.34,"endTime":1526.42,"body":"bit"},{"speaker":"Speaker 2","startTime":1526.42,"endTime":1526.42,"body":" "},{"speaker":"Speaker 2","startTime":1526.44,"endTime":1526.501,"body":"of"},{"speaker":"Speaker 2","startTime":1526.501,"endTime":1526.501,"body":" "},{"speaker":"Speaker 2","startTime":1526.521,"endTime":1526.541,"body":"a"},{"speaker":"Speaker 2","startTime":1526.541,"endTime":1526.541,"body":" "},{"speaker":"Speaker 2","startTime":1526.601,"endTime":1526.882,"body":"lag"},{"speaker":"Speaker 2","startTime":1526.882,"endTime":1526.882,"body":","},{"speaker":"Speaker 2","startTime":1526.882,"endTime":1526.882,"body":" "},{"speaker":"Speaker 2","startTime":1527.035,"endTime":1527.196,"body":"but"},{"speaker":"Speaker 2","startTime":1527.196,"endTime":1527.196,"body":" "},{"speaker":"Speaker 2","startTime":1527.416,"endTime":1527.617,"body":"again"},{"speaker":"Speaker 2","startTime":1527.617,"endTime":1527.617,"body":","},{"speaker":"Speaker 2","startTime":1527.617,"endTime":1527.617,"body":" "},{"speaker":"Speaker 2","startTime":1528.058,"endTime":1528.159,"body":"we"},{"speaker":"Speaker 2","startTime":1528.159,"endTime":1528.159,"body":" "},{"speaker":"Speaker 2","startTime":1528.179,"endTime":1528.319,"body":"think"},{"speaker":"Speaker 2","startTime":1528.319,"endTime":1528.319,"body":" "},{"speaker":"Speaker 2","startTime":1528.359,"endTime":1528.44,"body":"the"},{"speaker":"Speaker 2","startTime":1528.44,"endTime":1528.44,"body":" "},{"speaker":"Speaker 2","startTime":1528.46,"endTime":1528.821,"body":"benefits"},{"speaker":"Speaker 2","startTime":1528.821,"endTime":1528.821,"body":" "},{"speaker":"Speaker 2","startTime":1528.861,"endTime":1529.102,"body":"outweigh"},{"speaker":"Speaker 2","startTime":1529.102,"endTime":1529.102,"body":" "},{"speaker":"Speaker 2","startTime":1529.122,"endTime":1529.202,"body":"the"},{"speaker":"Speaker 2","startTime":1529.202,"endTime":1529.202,"body":" "},{"speaker":"Speaker 2","startTime":1529.222,"endTime":1529.443,"body":"cost"},{"speaker":"Speaker 2","startTime":1529.443,"endTime":1529.443,"body":" "},{"speaker":"Speaker 2","startTime":1529.463,"endTime":1529.643,"body":"there"},{"speaker":"Speaker 2","startTime":1529.643,"endTime":1529.643,"body":"."},{"speaker":"Speaker 2","startTime":1529.643,"endTime":1529.643,"body":" "},{"speaker":"Speaker 2","startTime":1529.643,"endTime":1529.643,"body":"\n"},{"speaker":"Speaker 1","startTime":1530.235,"endTime":1530.275,"body":"So"},{"speaker":"Speaker 1","startTime":1530.275,"endTime":1530.275,"body":" "},{"speaker":"Speaker 1","startTime":1530.295,"endTime":1530.376,"body":"we"},{"speaker":"Speaker 1","startTime":1530.376,"endTime":1530.376,"body":" "},{"speaker":"Speaker 1","startTime":1530.396,"endTime":1530.496,"body":"kind"},{"speaker":"Speaker 1","startTime":1530.496,"endTime":1530.496,"body":" "},{"speaker":"Speaker 1","startTime":1530.556,"endTime":1530.657,"body":"of"},{"speaker":"Speaker 1","startTime":1530.657,"endTime":1530.657,"body":" "},{"speaker":"Speaker 1","startTime":1530.697,"endTime":1530.978,"body":"already"},{"speaker":"Speaker 1","startTime":1530.978,"endTime":1530.978,"body":" "},{"speaker":"Speaker 1","startTime":1531.078,"endTime":1531.339,"body":"touched"},{"speaker":"Speaker 1","startTime":1531.339,"endTime":1531.339,"body":" "},{"speaker":"Speaker 1","startTime":1531.419,"endTime":1531.5,"body":"on"},{"speaker":"Speaker 1","startTime":1531.5,"endTime":1531.5,"body":" "},{"speaker":"Speaker 1","startTime":1531.52,"endTime":1531.62,"body":"the"},{"speaker":"Speaker 1","startTime":1531.62,"endTime":1531.62,"body":" "},{"speaker":"Speaker 1","startTime":1531.7,"endTime":1531.981,"body":"ideal"},{"speaker":"Speaker 1","startTime":1531.981,"endTime":1531.981,"body":" "},{"speaker":"Speaker 1","startTime":1532.021,"endTime":1532.343,"body":"client"},{"speaker":"Speaker 1","startTime":1532.343,"endTime":1532.343,"body":" "},{"speaker":"Speaker 1","startTime":1532.363,"endTime":1532.483,"body":"for"},{"speaker":"Speaker 1","startTime":1532.483,"endTime":1532.483,"body":" "},{"speaker":"Speaker 1","startTime":1532.503,"endTime":1532.724,"body":"this"},{"speaker":"Speaker 1","startTime":1532.724,"endTime":1532.724,"body":"."},{"speaker":"Speaker 1","startTime":1532.724,"endTime":1532.724,"body":" "},{"speaker":"Speaker 1","startTime":1532.795,"endTime":1532.875,"body":"It's"},{"speaker":"Speaker 1","startTime":1532.875,"endTime":1532.875,"body":" "},{"speaker":"Speaker 1","startTime":1532.895,"endTime":1533.176,"body":"definitely"},{"speaker":"Speaker 1","startTime":1533.176,"endTime":1533.176,"body":" "},{"speaker":"Speaker 1","startTime":1533.217,"endTime":1533.277,"body":"a"},{"speaker":"Speaker 1","startTime":1533.277,"endTime":1533.277,"body":" "},{"speaker":"Speaker 1","startTime":1533.297,"endTime":1533.538,"body":"higher"},{"speaker":"Speaker 1","startTime":1533.538,"endTime":1533.538,"body":" "},{"speaker":"Speaker 1","startTime":1533.578,"endTime":1533.739,"body":"net"},{"speaker":"Speaker 1","startTime":1533.739,"endTime":1533.739,"body":" "},{"speaker":"Speaker 1","startTime":1533.759,"endTime":1534.08,"body":"worth"},{"speaker":"Speaker 1","startTime":1534.08,"endTime":1534.08,"body":","},{"speaker":"Speaker 1","startTime":1534.08,"endTime":1534.08,"body":" "},{"speaker":"Speaker 1","startTime":1534.975,"endTime":1535.055,"body":"I'd"},{"speaker":"Speaker 1","startTime":1535.055,"endTime":1535.055,"body":" "},{"speaker":"Speaker 1","startTime":1535.075,"endTime":1535.336,"body":"say"},{"speaker":"Speaker 1","startTime":1535.336,"endTime":1535.336,"body":" "},{"speaker":"Speaker 1","startTime":1536.058,"endTime":1536.299,"body":"around"},{"speaker":"Speaker 1","startTime":1536.299,"endTime":1536.299,"body":" "},{"speaker":"Speaker 1","startTime":1536.319,"endTime":1537.523,"body":"$750,000"},{"speaker":"Speaker 1","startTime":1537.523,"endTime":1537.523,"body":" "},{"speaker":"Speaker 1","startTime":1537.603,"endTime":1537.703,"body":"in"},{"speaker":"Speaker 1","startTime":1537.703,"endTime":1537.703,"body":" "},{"speaker":"Speaker 1","startTime":1537.763,"endTime":1538.245,"body":"investable"},{"speaker":"Speaker 1","startTime":1538.245,"endTime":1538.245,"body":" "},{"speaker":"Speaker 1","startTime":1538.365,"endTime":1538.726,"body":"assets"},{"speaker":"Speaker 1","startTime":1538.726,"endTime":1538.726,"body":" "},{"speaker":"Speaker 1","startTime":1538.895,"endTime":1539.156,"body":"inside"},{"speaker":"Speaker 1","startTime":1539.156,"endTime":1539.156,"body":" "},{"speaker":"Speaker 1","startTime":1539.176,"endTime":1539.216,"body":"a"},{"speaker":"Speaker 1","startTime":1539.216,"endTime":1539.216,"body":" "},{"speaker":"Speaker 1","startTime":1539.236,"endTime":1539.578,"body":"brokerage"},{"speaker":"Speaker 1","startTime":1539.578,"endTime":1539.578,"body":" "},{"speaker":"Speaker 1","startTime":1539.598,"endTime":1539.939,"body":"account"},{"speaker":"Speaker 1","startTime":1539.939,"endTime":1539.939,"body":","},{"speaker":"Speaker 1","startTime":1539.939,"endTime":1539.939,"body":" "},{"speaker":"Speaker 1","startTime":1540.761,"endTime":1540.922,"body":"not"},{"speaker":"Speaker 1","startTime":1540.922,"endTime":1540.922,"body":" "},{"speaker":"Speaker 1","startTime":1540.982,"endTime":1541.223,"body":"inside"},{"speaker":"Speaker 1","startTime":1541.223,"endTime":1541.223,"body":" "},{"speaker":"Speaker 1","startTime":1541.263,"endTime":1541.724,"body":"retirement"},{"speaker":"Speaker 1","startTime":1541.724,"endTime":1541.724,"body":","},{"speaker":"Speaker 1","startTime":1541.724,"endTime":1541.724,"body":" "},{"speaker":"Speaker 1","startTime":1543.495,"endTime":1543.535,"body":"a"},{"speaker":"Speaker 1","startTime":1543.535,"endTime":1543.535,"body":" "},{"speaker":"Speaker 1","startTime":1543.596,"endTime":1544.057,"body":"taxable"},{"speaker":"Speaker 1","startTime":1544.057,"endTime":1544.057,"body":" "},{"speaker":"Speaker 1","startTime":1544.74,"endTime":1544.981,"body":"people"},{"speaker":"Speaker 1","startTime":1544.981,"endTime":1544.981,"body":" "},{"speaker":"Speaker 1","startTime":1545.001,"endTime":1545.201,"body":"looking"},{"speaker":"Speaker 1","startTime":1545.201,"endTime":1545.201,"body":" "},{"speaker":"Speaker 1","startTime":1545.241,"endTime":1545.362,"body":"for"},{"speaker":"Speaker 1","startTime":1545.362,"endTime":1545.362,"body":" "},{"speaker":"Speaker 1","startTime":1545.603,"endTime":1545.743,"body":"some"},{"speaker":"Speaker 1","startTime":1545.743,"endTime":1545.743,"body":" "},{"speaker":"Speaker 1","startTime":1545.763,"endTime":1545.964,"body":"type"},{"speaker":"Speaker 1","startTime":1545.964,"endTime":1545.964,"body":" "},{"speaker":"Speaker 1","startTime":1546.276,"endTime":1546.316,"body":"of"},{"speaker":"Speaker 1","startTime":1546.316,"endTime":1546.316,"body":" "},{"speaker":"Speaker 1","startTime":1546.376,"endTime":1546.637,"body":"tax"},{"speaker":"Speaker 1","startTime":1546.637,"endTime":1546.637,"body":" "},{"speaker":"Speaker 1","startTime":1546.677,"endTime":1547.079,"body":"benefit"},{"speaker":"Speaker 1","startTime":1547.079,"endTime":1547.079,"body":" "},{"speaker":"Speaker 1","startTime":1547.119,"endTime":1547.36,"body":"going"},{"speaker":"Speaker 1","startTime":1547.36,"endTime":1547.36,"body":" "},{"speaker":"Speaker 1","startTime":1547.42,"endTime":1547.741,"body":"forward"},{"speaker":"Speaker 1","startTime":1547.741,"endTime":1547.741,"body":"."},{"speaker":"Speaker 1","startTime":1547.741,"endTime":1547.741,"body":" "},{"speaker":"Speaker 1","startTime":1548.335,"endTime":1548.415,"body":"And"},{"speaker":"Speaker 1","startTime":1548.415,"endTime":1548.415,"body":" "},{"speaker":"Speaker 1","startTime":1548.435,"endTime":1548.556,"body":"then"},{"speaker":"Speaker 1","startTime":1548.556,"endTime":1548.556,"body":","},{"speaker":"Speaker 1","startTime":1548.556,"endTime":1548.556,"body":" "},{"speaker":"Speaker 1","startTime":1548.737,"endTime":1548.957,"body":"yeah"},{"speaker":"Speaker 1","startTime":1548.957,"endTime":1548.957,"body":","},{"speaker":"Speaker 1","startTime":1548.957,"endTime":1548.957,"body":" "},{"speaker":"Speaker 1","startTime":1548.997,"endTime":1549.098,"body":"you"},{"speaker":"Speaker 1","startTime":1549.098,"endTime":1549.098,"body":" "},{"speaker":"Speaker 1","startTime":1549.118,"endTime":1549.238,"body":"say"},{"speaker":"Speaker 1","startTime":1549.238,"endTime":1549.238,"body":" "},{"speaker":"Speaker 1","startTime":1549.298,"endTime":1549.62,"body":"comfortable"},{"speaker":"Speaker 1","startTime":1549.62,"endTime":1549.62,"body":" "},{"speaker":"Speaker 1","startTime":1549.66,"endTime":1549.901,"body":"holding"},{"speaker":"Speaker 1","startTime":1549.901,"endTime":1549.901,"body":" "},{"speaker":"Speaker 1","startTime":1550.081,"endTime":1550.442,"body":"SMAs"},{"speaker":"Speaker 1","startTime":1550.442,"endTime":1550.442,"body":"."},{"speaker":"Speaker 1","startTime":1550.442,"endTime":1550.442,"body":" "},{"speaker":"Speaker 1","startTime":1551.075,"endTime":1551.095,"body":"I"},{"speaker":"Speaker 1","startTime":1551.095,"endTime":1551.095,"body":" "},{"speaker":"Speaker 1","startTime":1551.115,"endTime":1551.256,"body":"mean"},{"speaker":"Speaker 1","startTime":1551.256,"endTime":1551.256,"body":" "},{"speaker":"Speaker 1","startTime":1551.657,"endTime":1551.978,"body":"really"},{"speaker":"Speaker 1","startTime":1551.978,"endTime":1551.978,"body":","},{"speaker":"Speaker 1","startTime":1551.978,"endTime":1551.978,"body":" "},{"speaker":"Speaker 1","startTime":1552.159,"endTime":1552.26,"body":"it's"},{"speaker":"Speaker 1","startTime":1552.26,"endTime":1552.26,"body":" "},{"speaker":"Speaker 1","startTime":1552.28,"endTime":1552.34,"body":"not"},{"speaker":"Speaker 1","startTime":1552.34,"endTime":1552.34,"body":" "},{"speaker":"Speaker 1","startTime":1552.36,"endTime":1552.541,"body":"really"},{"speaker":"Speaker 1","startTime":1552.541,"endTime":1552.541,"body":" "},{"speaker":"Speaker 1","startTime":1552.661,"endTime":1552.842,"body":"that"},{"speaker":"Speaker 1","startTime":1552.842,"endTime":1552.842,"body":" "},{"speaker":"Speaker 1","startTime":1552.882,"endTime":1553.022,"body":"much"},{"speaker":"Speaker 1","startTime":1553.022,"endTime":1553.022,"body":" "},{"speaker":"Speaker 1","startTime":1553.063,"endTime":1553.283,"body":"different"},{"speaker":"Speaker 1","startTime":1553.283,"endTime":1553.283,"body":" "},{"speaker":"Speaker 1","startTime":1553.375,"endTime":1553.455,"body":"than"},{"speaker":"Speaker 1","startTime":1553.455,"endTime":1553.455,"body":" "},{"speaker":"Speaker 1","startTime":1553.475,"endTime":1553.696,"body":"holding"},{"speaker":"Speaker 1","startTime":1553.696,"endTime":1553.696,"body":" "},{"speaker":"Speaker 1","startTime":1554.037,"endTime":1554.198,"body":"any"},{"speaker":"Speaker 1","startTime":1554.198,"endTime":1554.198,"body":" "},{"speaker":"Speaker 1","startTime":1554.358,"endTime":1554.539,"body":"other"},{"speaker":"Speaker 1","startTime":1554.539,"endTime":1554.539,"body":" "},{"speaker":"Speaker 1","startTime":1554.659,"endTime":1555.0,"body":"fund"},{"speaker":"Speaker 1","startTime":1555.0,"endTime":1555.0,"body":","},{"speaker":"Speaker 1","startTime":1555.0,"endTime":1555.0,"body":" "},{"speaker":"Speaker 1","startTime":1555.201,"endTime":1555.421,"body":"other"},{"speaker":"Speaker 1","startTime":1555.421,"endTime":1555.421,"body":" "},{"speaker":"Speaker 1","startTime":1555.502,"endTime":1555.843,"body":"than"},{"speaker":"Speaker 1","startTime":1555.843,"endTime":1555.843,"body":" "},{"speaker":"Speaker 1","startTime":1555.943,"endTime":1556.063,"body":"you"},{"speaker":"Speaker 1","startTime":1556.063,"endTime":1556.063,"body":" "},{"speaker":"Speaker 1","startTime":1556.103,"endTime":1556.204,"body":"get"},{"speaker":"Speaker 1","startTime":1556.204,"endTime":1556.204,"body":" "},{"speaker":"Speaker 1","startTime":1556.224,"endTime":1556.324,"body":"to"},{"speaker":"Speaker 1","startTime":1556.324,"endTime":1556.324,"body":" "},{"speaker":"Speaker 1","startTime":1556.344,"endTime":1556.705,"body":"control"},{"speaker":"Speaker 1","startTime":1556.705,"endTime":1556.705,"body":","},{"speaker":"Speaker 1","startTime":1556.705,"endTime":1556.705,"body":" "},{"speaker":"Speaker 1","startTime":1556.855,"endTime":1556.975,"body":"kind"},{"speaker":"Speaker 1","startTime":1556.975,"endTime":1556.975,"body":" "},{"speaker":"Speaker 1","startTime":1556.995,"endTime":1557.056,"body":"of"},{"speaker":"Speaker 1","startTime":1557.056,"endTime":1557.056,"body":","},{"speaker":"Speaker 1","startTime":1557.056,"endTime":1557.056,"body":" "},{"speaker":"Speaker 1","startTime":1557.076,"endTime":1557.236,"body":"what's"},{"speaker":"Speaker 1","startTime":1557.236,"endTime":1557.236,"body":" "},{"speaker":"Speaker 1","startTime":1557.256,"endTime":1557.598,"body":"happening"},{"speaker":"Speaker 1","startTime":1557.598,"endTime":1557.598,"body":" "},{"speaker":"Speaker 1","startTime":1557.638,"endTime":1557.959,"body":"inside"},{"speaker":"Speaker 1","startTime":1557.959,"endTime":1557.959,"body":" "},{"speaker":"Speaker 1","startTime":1557.999,"endTime":1558.22,"body":"the"},{"speaker":"Speaker 1","startTime":1558.22,"endTime":1558.22,"body":" "},{"speaker":"Speaker 1","startTime":1558.24,"endTime":1558.561,"body":"SMA"},{"speaker":"Speaker 1","startTime":1558.561,"endTime":1558.561,"body":","},{"speaker":"Speaker 1","startTime":1558.561,"endTime":1558.561,"body":" "},{"speaker":"Speaker 1","startTime":1559.675,"endTime":1559.856,"body":"where"},{"speaker":"Speaker 1","startTime":1559.856,"endTime":1559.856,"body":" "},{"speaker":"Speaker 1","startTime":1559.896,"endTime":1560.017,"body":"you"},{"speaker":"Speaker 1","startTime":1560.017,"endTime":1560.017,"body":" "},{"speaker":"Speaker 1","startTime":1560.077,"endTime":1560.238,"body":"don't"},{"speaker":"Speaker 1","startTime":1560.238,"endTime":1560.238,"body":" "},{"speaker":"Speaker 1","startTime":1560.278,"endTime":1560.459,"body":"really"},{"speaker":"Speaker 1","startTime":1560.459,"endTime":1560.459,"body":" "},{"speaker":"Speaker 1","startTime":1560.499,"endTime":1560.599,"body":"do"},{"speaker":"Speaker 1","startTime":1560.599,"endTime":1560.599,"body":" "},{"speaker":"Speaker 1","startTime":1560.619,"endTime":1560.76,"body":"that"},{"speaker":"Speaker 1","startTime":1560.76,"endTime":1560.76,"body":" "},{"speaker":"Speaker 1","startTime":1560.78,"endTime":1561.102,"body":"inside"},{"speaker":"Speaker 1","startTime":1561.102,"endTime":1561.102,"body":" "},{"speaker":"Speaker 1","startTime":1561.122,"endTime":1561.242,"body":"an"},{"speaker":"Speaker 1","startTime":1561.242,"endTime":1561.242,"body":" "},{"speaker":"Speaker 1","startTime":1561.343,"endTime":1561.503,"body":"ETF"},{"speaker":"Speaker 1","startTime":1561.503,"endTime":1561.503,"body":","},{"speaker":"Speaker 1","startTime":1561.503,"endTime":1561.503,"body":" "},{"speaker":"Speaker 1","startTime":1561.564,"endTime":1561.604,"body":"I"},{"speaker":"Speaker 1","startTime":1561.604,"endTime":1561.604,"body":" "},{"speaker":"Speaker 1","startTime":1561.624,"endTime":1561.785,"body":"guess"},{"speaker":"Speaker 1","startTime":1561.785,"endTime":1561.785,"body":"."},{"speaker":"Speaker 1","startTime":1561.785,"endTime":1561.785,"body":" "},{"speaker":"Speaker 1","startTime":1561.785,"endTime":1561.785,"body":"\n"},{"speaker":"Speaker 2","startTime":1562.115,"endTime":1562.356,"body":"Yeah"},{"speaker":"Speaker 2","startTime":1562.356,"endTime":1562.356,"body":","},{"speaker":"Speaker 2","startTime":1562.356,"endTime":1562.356,"body":" "},{"speaker":"Speaker 2","startTime":1562.396,"endTime":1562.477,"body":"and"},{"speaker":"Speaker 2","startTime":1562.477,"endTime":1562.477,"body":" "},{"speaker":"Speaker 2","startTime":1562.557,"endTime":1562.617,"body":"I"},{"speaker":"Speaker 2","startTime":1562.617,"endTime":1562.617,"body":" "},{"speaker":"Speaker 2","startTime":1562.637,"endTime":1562.778,"body":"guess"},{"speaker":"Speaker 2","startTime":1562.778,"endTime":1562.778,"body":" "},{"speaker":"Speaker 2","startTime":1562.838,"endTime":1562.978,"body":"it's"},{"speaker":"Speaker 2","startTime":1562.978,"endTime":1562.978,"body":" "},{"speaker":"Speaker 2","startTime":1563.019,"endTime":1563.219,"body":"more"},{"speaker":"Speaker 2","startTime":1563.219,"endTime":1563.219,"body":" "},{"speaker":"Speaker 2","startTime":1563.24,"endTime":1563.46,"body":"about"},{"speaker":"Speaker 2","startTime":1563.46,"endTime":1563.46,"body":" "},{"speaker":"Speaker 2","startTime":1563.521,"endTime":1563.681,"body":"that"},{"speaker":"Speaker 2","startTime":1563.681,"endTime":1563.681,"body":" "},{"speaker":"Speaker 2","startTime":1563.701,"endTime":1564.143,"body":"timing"},{"speaker":"Speaker 2","startTime":1564.143,"endTime":1564.143,"body":","},{"speaker":"Speaker 2","startTime":1564.143,"endTime":1564.143,"body":" "},{"speaker":"Speaker 2","startTime":1564.235,"endTime":1564.556,"body":"because"},{"speaker":"Speaker 2","startTime":1564.556,"endTime":1564.556,"body":" "},{"speaker":"Speaker 2","startTime":1565.197,"endTime":1565.659,"body":"obviously"},{"speaker":"Speaker 2","startTime":1565.659,"endTime":1565.659,"body":" "},{"speaker":"Speaker 2","startTime":1566.26,"endTime":1566.34,"body":"if"},{"speaker":"Speaker 2","startTime":1566.34,"endTime":1566.34,"body":" "},{"speaker":"Speaker 2","startTime":1566.36,"endTime":1566.481,"body":"you"},{"speaker":"Speaker 2","startTime":1566.481,"endTime":1566.481,"body":" "},{"speaker":"Speaker 2","startTime":1566.501,"endTime":1566.601,"body":"want"},{"speaker":"Speaker 2","startTime":1566.601,"endTime":1566.601,"body":" "},{"speaker":"Speaker 2","startTime":1566.641,"endTime":1566.721,"body":"to"},{"speaker":"Speaker 2","startTime":1566.721,"endTime":1566.721,"body":" "},{"speaker":"Speaker 2","startTime":1566.761,"endTime":1567.223,"body":"redeem"},{"speaker":"Speaker 2","startTime":1567.223,"endTime":1567.223,"body":" "},{"speaker":"Speaker 2","startTime":1568.927,"endTime":1569.067,"body":"by"},{"speaker":"Speaker 2","startTime":1569.067,"endTime":1569.067,"body":" "},{"speaker":"Speaker 2","startTime":1569.107,"endTime":1569.228,"body":"all"},{"speaker":"Speaker 2","startTime":1569.228,"endTime":1569.228,"body":" "},{"speaker":"Speaker 2","startTime":1569.268,"endTime":1569.488,"body":"means"},{"speaker":"Speaker 2","startTime":1569.488,"endTime":1569.488,"body":" "},{"speaker":"Speaker 2","startTime":1570.756,"endTime":1570.856,"body":"it's"},{"speaker":"Speaker 2","startTime":1570.856,"endTime":1570.856,"body":" "},{"speaker":"Speaker 2","startTime":1570.877,"endTime":1570.997,"body":"your"},{"speaker":"Speaker 2","startTime":1570.997,"endTime":1570.997,"body":" "},{"speaker":"Speaker 2","startTime":1571.017,"endTime":1571.178,"body":"money"},{"speaker":"Speaker 2","startTime":1571.178,"endTime":1571.178,"body":" "},{"speaker":"Speaker 2","startTime":1571.198,"endTime":1571.319,"body":"you're"},{"speaker":"Speaker 2","startTime":1571.319,"endTime":1571.319,"body":" "},{"speaker":"Speaker 2","startTime":1571.359,"endTime":1571.52,"body":"able"},{"speaker":"Speaker 2","startTime":1571.52,"endTime":1571.52,"body":" "},{"speaker":"Speaker 2","startTime":1571.54,"endTime":1571.58,"body":"to"},{"speaker":"Speaker 2","startTime":1571.58,"endTime":1571.58,"body":" "},{"speaker":"Speaker 2","startTime":1571.62,"endTime":1571.68,"body":"do"},{"speaker":"Speaker 2","startTime":1571.68,"endTime":1571.68,"body":" "},{"speaker":"Speaker 2","startTime":1571.72,"endTime":1571.841,"body":"that"},{"speaker":"Speaker 2","startTime":1571.841,"endTime":1571.841,"body":","},{"speaker":"Speaker 2","startTime":1571.841,"endTime":1571.841,"body":" "},{"speaker":"Speaker 2","startTime":1571.935,"endTime":1572.015,"body":"but"},{"speaker":"Speaker 2","startTime":1572.015,"endTime":1572.015,"body":" "},{"speaker":"Speaker 2","startTime":1572.076,"endTime":1572.116,"body":"it"},{"speaker":"Speaker 2","startTime":1572.116,"endTime":1572.116,"body":" "},{"speaker":"Speaker 2","startTime":1572.156,"endTime":1572.276,"body":"might"},{"speaker":"Speaker 2","startTime":1572.276,"endTime":1572.276,"body":" "},{"speaker":"Speaker 2","startTime":1572.317,"endTime":1572.979,"body":"just"},{"speaker":"Speaker 2","startTime":1572.979,"endTime":1572.979,"body":" "},{"speaker":"Speaker 2","startTime":1573.04,"endTime":1573.2,"body":"take"},{"speaker":"Speaker 2","startTime":1573.2,"endTime":1573.2,"body":" "},{"speaker":"Speaker 2","startTime":1573.22,"endTime":1573.24,"body":"a"},{"speaker":"Speaker 2","startTime":1573.24,"endTime":1573.24,"body":" "},{"speaker":"Speaker 2","startTime":1573.261,"endTime":1573.381,"body":"little"},{"speaker":"Speaker 2","startTime":1573.381,"endTime":1573.381,"body":" "},{"speaker":"Speaker 2","startTime":1573.401,"endTime":1573.502,"body":"bit"},{"speaker":"Speaker 2","startTime":1573.502,"endTime":1573.502,"body":" "},{"speaker":"Speaker 2","startTime":1573.522,"endTime":1573.742,"body":"longer"},{"speaker":"Speaker 2","startTime":1573.742,"endTime":1573.742,"body":" "},{"speaker":"Speaker 2","startTime":1573.835,"endTime":1573.915,"body":"to"},{"speaker":"Speaker 2","startTime":1573.915,"endTime":1573.915,"body":" "},{"speaker":"Speaker 2","startTime":1573.936,"endTime":1574.076,"body":"get"},{"speaker":"Speaker 2","startTime":1574.076,"endTime":1574.076,"body":" "},{"speaker":"Speaker 2","startTime":1574.116,"endTime":1574.337,"body":"those"},{"speaker":"Speaker 2","startTime":1574.337,"endTime":1574.337,"body":" "},{"speaker":"Speaker 2","startTime":1575.261,"endTime":1575.602,"body":"redemption"},{"speaker":"Speaker 2","startTime":1575.602,"endTime":1575.602,"body":" "},{"speaker":"Speaker 2","startTime":1575.682,"endTime":1575.883,"body":"assets"},{"speaker":"Speaker 2","startTime":1575.883,"endTime":1575.883,"body":"."},{"speaker":"Speaker 2","startTime":1575.883,"endTime":1575.883,"body":" "},{"speaker":"Speaker 2","startTime":1575.955,"endTime":1576.035,"body":"And"},{"speaker":"Speaker 2","startTime":1576.035,"endTime":1576.035,"body":" "},{"speaker":"Speaker 2","startTime":1576.055,"endTime":1576.276,"body":"again"},{"speaker":"Speaker 2","startTime":1576.276,"endTime":1576.276,"body":" "},{"speaker":"Speaker 2","startTime":1576.758,"endTime":1576.838,"body":"the"},{"speaker":"Speaker 2","startTime":1576.838,"endTime":1576.838,"body":" "},{"speaker":"Speaker 2","startTime":1576.858,"endTime":1577.26,"body":"manager's"},{"speaker":"Speaker 2","startTime":1577.26,"endTime":1577.26,"body":" "},{"speaker":"Speaker 2","startTime":1577.48,"endTime":1577.902,"body":"investing"},{"speaker":"Speaker 2","startTime":1577.902,"endTime":1577.902,"body":" "},{"speaker":"Speaker 2","startTime":1577.922,"endTime":1578.102,"body":"toward"},{"speaker":"Speaker 2","startTime":1578.102,"endTime":1578.102,"body":" "},{"speaker":"Speaker 2","startTime":1578.123,"endTime":1578.223,"body":"the"},{"speaker":"Speaker 2","startTime":1578.223,"endTime":1578.223,"body":" "},{"speaker":"Speaker 2","startTime":1578.243,"endTime":1578.644,"body":"strategy"},{"speaker":"Speaker 2","startTime":1578.644,"endTime":1578.644,"body":"."},{"speaker":"Speaker 2","startTime":1578.644,"endTime":1578.644,"body":" "},{"speaker":"Speaker 2","startTime":1579.858,"endTime":1579.938,"body":"So"},{"speaker":"Speaker 2","startTime":1579.938,"endTime":1579.938,"body":" "},{"speaker":"Speaker 2","startTime":1579.978,"endTime":1580.339,"body":"ideally"},{"speaker":"Speaker 2","startTime":1580.339,"endTime":1580.339,"body":" "},{"speaker":"Speaker 2","startTime":1580.359,"endTime":1580.499,"body":"you"},{"speaker":"Speaker 2","startTime":1580.499,"endTime":1580.499,"body":" "},{"speaker":"Speaker 2","startTime":1580.539,"endTime":1580.7,"body":"let"},{"speaker":"Speaker 2","startTime":1580.7,"endTime":1580.7,"body":" "},{"speaker":"Speaker 2","startTime":1581.081,"endTime":1581.181,"body":"the"},{"speaker":"Speaker 2","startTime":1581.181,"endTime":1581.181,"body":" "},{"speaker":"Speaker 2","startTime":1581.201,"endTime":1581.462,"body":"cash"},{"speaker":"Speaker 2","startTime":1581.462,"endTime":1581.462,"body":" "},{"speaker":"Speaker 2","startTime":1581.502,"endTime":1581.743,"body":"sit"},{"speaker":"Speaker 2","startTime":1581.743,"endTime":1581.743,"body":" "},{"speaker":"Speaker 2","startTime":1582.284,"endTime":1582.404,"body":"and"},{"speaker":"Speaker 2","startTime":1582.404,"endTime":1582.404,"body":" "},{"speaker":"Speaker 2","startTime":1582.484,"endTime":1582.625,"body":"let"},{"speaker":"Speaker 2","startTime":1582.625,"endTime":1582.625,"body":" "},{"speaker":"Speaker 2","startTime":1582.645,"endTime":1582.765,"body":"the"},{"speaker":"Speaker 2","startTime":1582.765,"endTime":1582.765,"body":" "},{"speaker":"Speaker 2","startTime":1582.805,"endTime":1583.206,"body":"manager"},{"speaker":"Speaker 2","startTime":1583.206,"endTime":1583.206,"body":" "},{"speaker":"Speaker 2","startTime":1584.116,"endTime":1584.236,"body":"and"},{"speaker":"Speaker 2","startTime":1584.236,"endTime":1584.236,"body":" "},{"speaker":"Speaker 2","startTime":1584.256,"endTime":1584.416,"body":"the"},{"speaker":"Speaker 2","startTime":1584.416,"endTime":1584.416,"body":" "},{"speaker":"Speaker 2","startTime":1584.497,"endTime":1585.179,"body":"technology"},{"speaker":"Speaker 2","startTime":1585.179,"endTime":1585.179,"body":" "},{"speaker":"Speaker 2","startTime":1586.904,"endTime":1587.004,"body":"go"},{"speaker":"Speaker 2","startTime":1587.004,"endTime":1587.004,"body":" "},{"speaker":"Speaker 2","startTime":1587.024,"endTime":1587.164,"body":"through"},{"speaker":"Speaker 2","startTime":1587.164,"endTime":1587.164,"body":" "},{"speaker":"Speaker 2","startTime":1587.204,"endTime":1587.285,"body":"its"},{"speaker":"Speaker 2","startTime":1587.285,"endTime":1587.285,"body":" "},{"speaker":"Speaker 2","startTime":1587.325,"endTime":1587.806,"body":"process"},{"speaker":"Speaker 2","startTime":1587.806,"endTime":1587.806,"body":"."},{"speaker":"Speaker 2","startTime":1587.806,"endTime":1587.806,"body":" "},{"speaker":"Speaker 2","startTime":1588.376,"endTime":1588.437,"body":"But"},{"speaker":"Speaker 2","startTime":1588.437,"endTime":1588.437,"body":" "},{"speaker":"Speaker 2","startTime":1588.457,"endTime":1588.818,"body":"obviously"},{"speaker":"Speaker 2","startTime":1588.818,"endTime":1588.818,"body":" "},{"speaker":"Speaker 2","startTime":1589.882,"endTime":1590.102,"body":"things"},{"speaker":"Speaker 2","startTime":1590.102,"endTime":1590.102,"body":" "},{"speaker":"Speaker 2","startTime":1590.142,"endTime":1590.343,"body":"pop"},{"speaker":"Speaker 2","startTime":1590.343,"endTime":1590.343,"body":" "},{"speaker":"Speaker 2","startTime":1590.463,"endTime":1590.524,"body":"up"},{"speaker":"Speaker 2","startTime":1590.524,"endTime":1590.524,"body":" "},{"speaker":"Speaker 2","startTime":1591.815,"endTime":1591.936,"body":"and"},{"speaker":"Speaker 2","startTime":1591.936,"endTime":1591.936,"body":" "},{"speaker":"Speaker 2","startTime":1592.959,"endTime":1593.3,"body":"investors"},{"speaker":"Speaker 2","startTime":1593.3,"endTime":1593.3,"body":" "},{"speaker":"Speaker 2","startTime":1593.32,"endTime":1593.44,"body":"need"},{"speaker":"Speaker 2","startTime":1593.44,"endTime":1593.44,"body":" "},{"speaker":"Speaker 2","startTime":1593.48,"endTime":1593.922,"body":"liquidity"},{"speaker":"Speaker 2","startTime":1593.922,"endTime":1593.922,"body":","},{"speaker":"Speaker 2","startTime":1593.922,"endTime":1593.922,"body":" "},{"speaker":"Speaker 2","startTime":1593.962,"endTime":1594.142,"body":"so"},{"speaker":"Speaker 2","startTime":1594.142,"endTime":1594.142,"body":" "},{"speaker":"Speaker 2","startTime":1594.263,"endTime":1594.343,"body":"we"},{"speaker":"Speaker 2","startTime":1594.343,"endTime":1594.343,"body":" "},{"speaker":"Speaker 2","startTime":1594.383,"endTime":1594.704,"body":"understand"},{"speaker":"Speaker 2","startTime":1594.704,"endTime":1594.704,"body":" "},{"speaker":"Speaker 2","startTime":1594.724,"endTime":1594.844,"body":"that"},{"speaker":"Speaker 2","startTime":1594.844,"endTime":1594.844,"body":"."},{"speaker":"Speaker 2","startTime":1594.844,"endTime":1594.844,"body":" "},{"speaker":"Speaker 2","startTime":1594.844,"endTime":1594.844,"body":"\n"},{"speaker":"Speaker 1","startTime":1595.996,"endTime":1596.036,"body":"So"},{"speaker":"Speaker 1","startTime":1596.036,"endTime":1596.036,"body":" "},{"speaker":"Speaker 1","startTime":1596.778,"endTime":1596.878,"body":"we"},{"speaker":"Speaker 1","startTime":1596.878,"endTime":1596.878,"body":" "},{"speaker":"Speaker 1","startTime":1596.919,"endTime":1597.039,"body":"took"},{"speaker":"Speaker 1","startTime":1597.039,"endTime":1597.039,"body":" "},{"speaker":"Speaker 1","startTime":1597.079,"endTime":1597.119,"body":"a"},{"speaker":"Speaker 1","startTime":1597.119,"endTime":1597.119,"body":" "},{"speaker":"Speaker 1","startTime":1597.219,"endTime":1597.58,"body":"while"},{"speaker":"Speaker 1","startTime":1597.58,"endTime":1597.58,"body":" "},{"speaker":"Speaker 1","startTime":1597.66,"endTime":1598.061,"body":"to"},{"speaker":"Speaker 1","startTime":1598.061,"endTime":1598.061,"body":" "},{"speaker":"Speaker 1","startTime":1598.964,"endTime":1599.445,"body":"research"},{"speaker":"Speaker 1","startTime":1599.445,"endTime":1599.445,"body":" "},{"speaker":"Speaker 1","startTime":1600.508,"endTime":1600.808,"body":"this"},{"speaker":"Speaker 1","startTime":1600.808,"endTime":1600.808,"body":" "},{"speaker":"Speaker 1","startTime":1601.37,"endTime":1601.65,"body":"direct"},{"speaker":"Speaker 1","startTime":1601.65,"endTime":1601.65,"body":" "},{"speaker":"Speaker 1","startTime":1601.691,"endTime":1602.112,"body":"indexing"},{"speaker":"Speaker 1","startTime":1602.112,"endTime":1602.112,"body":"."},{"speaker":"Speaker 1","startTime":1602.112,"endTime":1602.112,"body":" "},{"speaker":"Speaker 1","startTime":1602.155,"endTime":1602.376,"body":"There's"},{"speaker":"Speaker 1","startTime":1602.376,"endTime":1602.376,"body":" "},{"speaker":"Speaker 1","startTime":1602.396,"endTime":1602.597,"body":"lots"},{"speaker":"Speaker 1","startTime":1602.597,"endTime":1602.597,"body":" "},{"speaker":"Speaker 1","startTime":1602.617,"endTime":1602.677,"body":"of"},{"speaker":"Speaker 1","startTime":1602.677,"endTime":1602.677,"body":" "},{"speaker":"Speaker 1","startTime":1602.717,"endTime":1603.239,"body":"providers"},{"speaker":"Speaker 1","startTime":1603.239,"endTime":1603.239,"body":" "},{"speaker":"Speaker 1","startTime":1603.32,"endTime":1603.44,"body":"now"},{"speaker":"Speaker 1","startTime":1603.44,"endTime":1603.44,"body":"."},{"speaker":"Speaker 1","startTime":1603.44,"endTime":1603.44,"body":" "},{"speaker":"Speaker 1","startTime":1604.276,"endTime":1604.456,"body":"Even"},{"speaker":"Speaker 1","startTime":1604.456,"endTime":1604.456,"body":" "},{"speaker":"Speaker 1","startTime":1604.497,"endTime":1604.918,"body":"Vanguard"},{"speaker":"Speaker 1","startTime":1604.918,"endTime":1604.918,"body":" "},{"speaker":"Speaker 1","startTime":1605.079,"endTime":1605.34,"body":"offers"},{"speaker":"Speaker 1","startTime":1605.34,"endTime":1605.34,"body":" "},{"speaker":"Speaker 1","startTime":1605.4,"endTime":1605.56,"body":"this"},{"speaker":"Speaker 1","startTime":1605.56,"endTime":1605.56,"body":"."},{"speaker":"Speaker 1","startTime":1605.56,"endTime":1605.56,"body":" "},{"speaker":"Speaker 1","startTime":1606.715,"endTime":1607.077,"body":"Ryan"},{"speaker":"Speaker 1","startTime":1607.077,"endTime":1607.077,"body":","},{"speaker":"Speaker 1","startTime":1607.077,"endTime":1607.077,"body":" "},{"speaker":"Speaker 1","startTime":1607.157,"endTime":1607.297,"body":"our"},{"speaker":"Speaker 1","startTime":1607.297,"endTime":1607.297,"body":" "},{"speaker":"Speaker 1","startTime":1607.418,"endTime":1607.578,"body":"own"},{"speaker":"Speaker 1","startTime":1607.578,"endTime":1607.578,"body":" "},{"speaker":"Speaker 1","startTime":1607.98,"endTime":1608.501,"body":"portfolio"},{"speaker":"Speaker 1","startTime":1608.501,"endTime":1608.501,"body":" "},{"speaker":"Speaker 1","startTime":1608.522,"endTime":1608.963,"body":"software"},{"speaker":"Speaker 1","startTime":1608.963,"endTime":1608.963,"body":","},{"speaker":"Speaker 1","startTime":1608.963,"endTime":1608.963,"body":" "},{"speaker":"Speaker 1","startTime":1609.023,"endTime":1609.244,"body":"offered"},{"speaker":"Speaker 1","startTime":1609.244,"endTime":1609.244,"body":" "},{"speaker":"Speaker 1","startTime":1609.264,"endTime":1609.385,"body":"this"},{"speaker":"Speaker 1","startTime":1609.385,"endTime":1609.385,"body":","},{"speaker":"Speaker 1","startTime":1609.385,"endTime":1609.385,"body":" "},{"speaker":"Speaker 1","startTime":1609.455,"endTime":1609.555,"body":"which"},{"speaker":"Speaker 1","startTime":1609.555,"endTime":1609.555,"body":" "},{"speaker":"Speaker 1","startTime":1609.576,"endTime":1609.716,"body":"would"},{"speaker":"Speaker 1","startTime":1609.716,"endTime":1609.716,"body":" "},{"speaker":"Speaker 1","startTime":1609.736,"endTime":1609.837,"body":"be"},{"speaker":"Speaker 1","startTime":1609.837,"endTime":1609.837,"body":" "},{"speaker":"Speaker 1","startTime":1610.158,"endTime":1610.399,"body":"super"},{"speaker":"Speaker 1","startTime":1610.399,"endTime":1610.399,"body":" "},{"speaker":"Speaker 1","startTime":1610.439,"endTime":1610.7,"body":"close"},{"speaker":"Speaker 1","startTime":1610.7,"endTime":1610.7,"body":" "},{"speaker":"Speaker 1","startTime":1610.72,"endTime":1610.801,"body":"to"},{"speaker":"Speaker 1","startTime":1610.801,"endTime":1610.801,"body":" "},{"speaker":"Speaker 1","startTime":1610.841,"endTime":1611.042,"body":"home"},{"speaker":"Speaker 1","startTime":1611.042,"endTime":1611.042,"body":","},{"speaker":"Speaker 1","startTime":1611.042,"endTime":1611.042,"body":" "},{"speaker":"Speaker 1","startTime":1611.102,"endTime":1611.283,"body":"right"},{"speaker":"Speaker 1","startTime":1611.283,"endTime":1611.283,"body":"."},{"speaker":"Speaker 1","startTime":1611.283,"endTime":1611.283,"body":" "},{"speaker":"Speaker 1","startTime":1611.556,"endTime":1611.636,"body":"So"},{"speaker":"Speaker 1","startTime":1611.636,"endTime":1611.636,"body":" "},{"speaker":"Speaker 1","startTime":1611.656,"endTime":1611.736,"body":"it's"},{"speaker":"Speaker 1","startTime":1611.736,"endTime":1611.736,"body":" "},{"speaker":"Speaker 1","startTime":1611.756,"endTime":1612.117,"body":"literally"},{"speaker":"Speaker 1","startTime":1612.117,"endTime":1612.117,"body":" "},{"speaker":"Speaker 1","startTime":1612.158,"endTime":1612.499,"body":"staring"},{"speaker":"Speaker 1","startTime":1612.499,"endTime":1612.499,"body":" "},{"speaker":"Speaker 1","startTime":1612.579,"endTime":1612.639,"body":"at"},{"speaker":"Speaker 1","startTime":1612.639,"endTime":1612.639,"body":" "},{"speaker":"Speaker 1","startTime":1612.719,"endTime":1612.78,"body":"it"},{"speaker":"Speaker 1","startTime":1612.78,"endTime":1612.78,"body":" "},{"speaker":"Speaker 1","startTime":1613.08,"endTime":1613.241,"body":"every"},{"speaker":"Speaker 1","startTime":1613.241,"endTime":1613.241,"body":" "},{"speaker":"Speaker 1","startTime":1613.261,"endTime":1613.462,"body":"single"},{"speaker":"Speaker 1","startTime":1613.462,"endTime":1613.462,"body":" "},{"speaker":"Speaker 1","startTime":1613.482,"endTime":1613.542,"body":"day"},{"speaker":"Speaker 1","startTime":1613.542,"endTime":1613.542,"body":"."},{"speaker":"Speaker 1","startTime":1613.542,"endTime":1613.542,"body":" "},{"speaker":"Speaker 1","startTime":1614.996,"endTime":1615.116,"body":"What"},{"speaker":"Speaker 1","startTime":1615.116,"endTime":1615.116,"body":" "},{"speaker":"Speaker 1","startTime":1615.156,"endTime":1615.257,"body":"was"},{"speaker":"Speaker 1","startTime":1615.257,"endTime":1615.257,"body":" "},{"speaker":"Speaker 1","startTime":1615.277,"endTime":1615.397,"body":"your"},{"speaker":"Speaker 1","startTime":1615.397,"endTime":1615.397,"body":" "},{"speaker":"Speaker 1","startTime":1615.437,"endTime":1615.919,"body":"process"},{"speaker":"Speaker 1","startTime":1615.919,"endTime":1615.919,"body":" "},{"speaker":"Speaker 1","startTime":1615.979,"endTime":1616.059,"body":"in"},{"speaker":"Speaker 1","startTime":1616.059,"endTime":1616.059,"body":" "},{"speaker":"Speaker 1","startTime":1616.099,"endTime":1616.32,"body":"doing"},{"speaker":"Speaker 1","startTime":1616.32,"endTime":1616.32,"body":" "},{"speaker":"Speaker 1","startTime":1616.34,"endTime":1616.481,"body":"due"},{"speaker":"Speaker 1","startTime":1616.481,"endTime":1616.481,"body":" "},{"speaker":"Speaker 1","startTime":1616.501,"endTime":1617.063,"body":"diligence"},{"speaker":"Speaker 1","startTime":1617.063,"endTime":1617.063,"body":" "},{"speaker":"Speaker 1","startTime":1617.243,"endTime":1617.303,"body":"on"},{"speaker":"Speaker 1","startTime":1617.303,"endTime":1617.303,"body":"?"},{"speaker":"Speaker 1","startTime":1617.303,"endTime":1617.303,"body":" "},{"speaker":"Speaker 1","startTime":1617.775,"endTime":1617.855,"body":"And"},{"speaker":"Speaker 1","startTime":1617.855,"endTime":1617.855,"body":" "},{"speaker":"Speaker 1","startTime":1617.936,"endTime":1618.277,"body":"ultimately"},{"speaker":"Speaker 1","startTime":1618.277,"endTime":1618.277,"body":" "},{"speaker":"Speaker 1","startTime":1618.297,"endTime":1618.417,"body":"we"},{"speaker":"Speaker 1","startTime":1618.417,"endTime":1618.417,"body":" "},{"speaker":"Speaker 1","startTime":1618.437,"endTime":1618.758,"body":"decided"},{"speaker":"Speaker 1","startTime":1618.758,"endTime":1618.758,"body":" "},{"speaker":"Speaker 1","startTime":1618.798,"endTime":1618.838,"body":"to"},{"speaker":"Speaker 1","startTime":1618.838,"endTime":1618.838,"body":" "},{"speaker":"Speaker 1","startTime":1618.879,"endTime":1618.959,"body":"go"},{"speaker":"Speaker 1","startTime":1618.959,"endTime":1618.959,"body":" "},{"speaker":"Speaker 1","startTime":1618.999,"endTime":1619.099,"body":"with"},{"speaker":"Speaker 1","startTime":1619.099,"endTime":1619.099,"body":" "},{"speaker":"Speaker 1","startTime":1619.119,"endTime":1619.36,"body":"Charles"},{"speaker":"Speaker 1","startTime":1619.36,"endTime":1619.36,"body":" "},{"speaker":"Speaker 1","startTime":1619.38,"endTime":1620.002,"body":"Schwab"},{"speaker":"Speaker 1","startTime":1620.002,"endTime":1620.002,"body":" "},{"speaker":"Speaker 1","startTime":1620.243,"endTime":1620.343,"body":"on"},{"speaker":"Speaker 1","startTime":1620.343,"endTime":1620.343,"body":" "},{"speaker":"Speaker 1","startTime":1620.363,"endTime":1620.564,"body":"this"},{"speaker":"Speaker 1","startTime":1620.564,"endTime":1620.564,"body":"?"},{"speaker":"Speaker 1","startTime":1620.564,"endTime":1620.564,"body":" "},{"speaker":"Speaker 1","startTime":1620.564,"endTime":1620.564,"body":"\n"},{"speaker":"Speaker 2","startTime":1621.195,"endTime":1621.316,"body":"Yeah"},{"speaker":"Speaker 2","startTime":1621.316,"endTime":1621.316,"body":","},{"speaker":"Speaker 2","startTime":1621.316,"endTime":1621.316,"body":" "},{"speaker":"Speaker 2","startTime":1621.356,"endTime":1621.416,"body":"I"},{"speaker":"Speaker 2","startTime":1621.416,"endTime":1621.416,"body":" "},{"speaker":"Speaker 2","startTime":1621.456,"endTime":1621.636,"body":"think"},{"speaker":"Speaker 2","startTime":1621.636,"endTime":1621.636,"body":" "},{"speaker":"Speaker 2","startTime":1621.877,"endTime":1622.258,"body":"really"},{"speaker":"Speaker 2","startTime":1622.258,"endTime":1622.258,"body":" "},{"speaker":"Speaker 2","startTime":1623.262,"endTime":1623.783,"body":"operational"},{"speaker":"Speaker 2","startTime":1623.783,"endTime":1623.783,"body":" "},{"speaker":"Speaker 2","startTime":1623.803,"endTime":1624.345,"body":"efficiency"},{"speaker":"Speaker 2","startTime":1624.345,"endTime":1624.345,"body":" "},{"speaker":"Speaker 2","startTime":1624.715,"endTime":1624.876,"body":"was"},{"speaker":"Speaker 2","startTime":1624.876,"endTime":1624.876,"body":" "},{"speaker":"Speaker 2","startTime":1624.996,"endTime":1625.077,"body":"one"},{"speaker":"Speaker 2","startTime":1625.077,"endTime":1625.077,"body":" "},{"speaker":"Speaker 2","startTime":1625.097,"endTime":1625.157,"body":"of"},{"speaker":"Speaker 2","startTime":1625.157,"endTime":1625.157,"body":" "},{"speaker":"Speaker 2","startTime":1625.177,"endTime":1625.237,"body":"the"},{"speaker":"Speaker 2","startTime":1625.237,"endTime":1625.237,"body":" "},{"speaker":"Speaker 2","startTime":1625.257,"endTime":1625.418,"body":"main"},{"speaker":"Speaker 2","startTime":1625.418,"endTime":1625.418,"body":" "},{"speaker":"Speaker 2","startTime":1625.438,"endTime":1625.659,"body":"things"},{"speaker":"Speaker 2","startTime":1625.659,"endTime":1625.659,"body":" "},{"speaker":"Speaker 2","startTime":1625.739,"endTime":1625.839,"body":"I"},{"speaker":"Speaker 2","startTime":1625.839,"endTime":1625.839,"body":" "},{"speaker":"Speaker 2","startTime":1626.14,"endTime":1626.361,"body":"wanted"},{"speaker":"Speaker 2","startTime":1626.361,"endTime":1626.361,"body":" "},{"speaker":"Speaker 2","startTime":1626.381,"endTime":1626.442,"body":"to"},{"speaker":"Speaker 2","startTime":1626.442,"endTime":1626.442,"body":" "},{"speaker":"Speaker 2","startTime":1626.482,"endTime":1626.803,"body":"consider"},{"speaker":"Speaker 2","startTime":1626.803,"endTime":1626.803,"body":"."},{"speaker":"Speaker 2","startTime":1626.803,"endTime":1626.803,"body":" "},{"speaker":"Speaker 2","startTime":1628.935,"endTime":1629.015,"body":"You"},{"speaker":"Speaker 2","startTime":1629.015,"endTime":1629.015,"body":" "},{"speaker":"Speaker 2","startTime":1629.055,"endTime":1629.176,"body":"know"},{"speaker":"Speaker 2","startTime":1629.176,"endTime":1629.176,"body":","},{"speaker":"Speaker 2","startTime":1629.176,"endTime":1629.176,"body":" "},{"speaker":"Speaker 2","startTime":1630.42,"endTime":1630.52,"body":"my"},{"speaker":"Speaker 2","startTime":1630.52,"endTime":1630.52,"body":" "},{"speaker":"Speaker 2","startTime":1630.561,"endTime":1630.882,"body":"previous"},{"speaker":"Speaker 2","startTime":1630.882,"endTime":1630.882,"body":" "},{"speaker":"Speaker 2","startTime":1630.922,"endTime":1631.062,"body":"firm"},{"speaker":"Speaker 2","startTime":1631.062,"endTime":1631.062,"body":" "},{"speaker":"Speaker 2","startTime":1631.082,"endTime":1631.183,"body":"that"},{"speaker":"Speaker 2","startTime":1631.183,"endTime":1631.183,"body":" "},{"speaker":"Speaker 2","startTime":1631.203,"endTime":1631.223,"body":"I"},{"speaker":"Speaker 2","startTime":1631.223,"endTime":1631.223,"body":" "},{"speaker":"Speaker 2","startTime":1631.263,"endTime":1631.444,"body":"worked"},{"speaker":"Speaker 2","startTime":1631.444,"endTime":1631.444,"body":" "},{"speaker":"Speaker 2","startTime":1631.584,"endTime":1631.664,"body":"at"},{"speaker":"Speaker 2","startTime":1631.664,"endTime":1631.664,"body":" "},{"speaker":"Speaker 2","startTime":1631.976,"endTime":1632.076,"body":"I"},{"speaker":"Speaker 2","startTime":1632.076,"endTime":1632.076,"body":" "},{"speaker":"Speaker 2","startTime":1632.297,"endTime":1632.758,"body":"actually"},{"speaker":"Speaker 2","startTime":1632.758,"endTime":1632.758,"body":" "},{"speaker":"Speaker 2","startTime":1633.42,"endTime":1633.48,"body":"I"},{"speaker":"Speaker 2","startTime":1633.48,"endTime":1633.48,"body":" "},{"speaker":"Speaker 2","startTime":1633.54,"endTime":1633.781,"body":"wasn't"},{"speaker":"Speaker 2","startTime":1633.781,"endTime":1633.781,"body":" "},{"speaker":"Speaker 2","startTime":1633.841,"endTime":1634.262,"body":"managing"},{"speaker":"Speaker 2","startTime":1634.262,"endTime":1634.262,"body":" "},{"speaker":"Speaker 2","startTime":1634.282,"endTime":1634.603,"body":"our"},{"speaker":"Speaker 2","startTime":1634.603,"endTime":1634.603,"body":" "},{"speaker":"Speaker 2","startTime":1634.804,"endTime":1635.024,"body":"direct"},{"speaker":"Speaker 2","startTime":1635.024,"endTime":1635.024,"body":" "},{"speaker":"Speaker 2","startTime":1635.044,"endTime":1635.405,"body":"indexing"},{"speaker":"Speaker 2","startTime":1635.405,"endTime":1635.405,"body":" "},{"speaker":"Speaker 2","startTime":1635.425,"endTime":1635.786,"body":"process"},{"speaker":"Speaker 2","startTime":1635.786,"endTime":1635.786,"body":" "},{"speaker":"Speaker 2","startTime":1635.895,"endTime":1635.975,"body":"but"},{"speaker":"Speaker 2","startTime":1635.975,"endTime":1635.975,"body":" "},{"speaker":"Speaker 2","startTime":1636.036,"endTime":1636.076,"body":"I"},{"speaker":"Speaker 2","startTime":1636.076,"endTime":1636.076,"body":" "},{"speaker":"Speaker 2","startTime":1636.136,"endTime":1636.276,"body":"was"},{"speaker":"Speaker 2","startTime":1636.276,"endTime":1636.276,"body":" "},{"speaker":"Speaker 2","startTime":1636.337,"endTime":1636.357,"body":"a"},{"speaker":"Speaker 2","startTime":1636.357,"endTime":1636.357,"body":" "},{"speaker":"Speaker 2","startTime":1636.397,"endTime":1636.778,"body":"backup"},{"speaker":"Speaker 2","startTime":1636.778,"endTime":1636.778,"body":" "},{"speaker":"Speaker 2","startTime":1636.839,"endTime":1636.919,"body":"and"},{"speaker":"Speaker 2","startTime":1636.919,"endTime":1636.919,"body":" "},{"speaker":"Speaker 2","startTime":1636.979,"endTime":1637.3,"body":"I"},{"speaker":"Speaker 2","startTime":1637.3,"endTime":1637.3,"body":" "},{"speaker":"Speaker 2","startTime":1637.481,"endTime":1637.641,"body":"saw"},{"speaker":"Speaker 2","startTime":1637.641,"endTime":1637.641,"body":" "},{"speaker":"Speaker 2","startTime":1637.682,"endTime":1637.802,"body":"how"},{"speaker":"Speaker 2","startTime":1637.802,"endTime":1637.802,"body":" "},{"speaker":"Speaker 2","startTime":1637.842,"endTime":1637.902,"body":"it"},{"speaker":"Speaker 2","startTime":1637.902,"endTime":1637.902,"body":" "},{"speaker":"Speaker 2","startTime":1637.943,"endTime":1638.224,"body":"worked"},{"speaker":"Speaker 2","startTime":1638.224,"endTime":1638.224,"body":" "},{"speaker":"Speaker 2","startTime":1638.355,"endTime":1638.475,"body":"and"},{"speaker":"Speaker 2","startTime":1638.475,"endTime":1638.475,"body":" "},{"speaker":"Speaker 2","startTime":1638.917,"endTime":1639.157,"body":"had"},{"speaker":"Speaker 2","startTime":1639.157,"endTime":1639.157,"body":" "},{"speaker":"Speaker 2","startTime":1639.238,"endTime":1639.278,"body":"a"},{"speaker":"Speaker 2","startTime":1639.278,"endTime":1639.278,"body":" "},{"speaker":"Speaker 2","startTime":1639.338,"endTime":1639.559,"body":"lot"},{"speaker":"Speaker 2","startTime":1639.559,"endTime":1639.559,"body":" "},{"speaker":"Speaker 2","startTime":1639.639,"endTime":1639.699,"body":"of"},{"speaker":"Speaker 2","startTime":1639.699,"endTime":1639.699,"body":" "},{"speaker":"Speaker 2","startTime":1640.18,"endTime":1640.541,"body":"insight"},{"speaker":"Speaker 2","startTime":1640.541,"endTime":1640.541,"body":" "},{"speaker":"Speaker 2","startTime":1640.622,"endTime":1640.882,"body":"into"},{"speaker":"Speaker 2","startTime":1640.882,"endTime":1640.882,"body":" "},{"speaker":"Speaker 2","startTime":1640.922,"endTime":1640.983,"body":"the"},{"speaker":"Speaker 2","startTime":1640.983,"endTime":1640.983,"body":" "},{"speaker":"Speaker 2","startTime":1641.063,"endTime":1641.785,"body":"optimization"},{"speaker":"Speaker 2","startTime":1641.785,"endTime":1641.785,"body":" "},{"speaker":"Speaker 2","startTime":1642.295,"endTime":1642.416,"body":"which"},{"speaker":"Speaker 2","startTime":1642.416,"endTime":1642.416,"body":" "},{"speaker":"Speaker 2","startTime":1642.456,"endTime":1642.596,"body":"was"},{"speaker":"Speaker 2","startTime":1642.596,"endTime":1642.596,"body":" "},{"speaker":"Speaker 2","startTime":1642.917,"endTime":1643.138,"body":"through"},{"speaker":"Speaker 2","startTime":1643.138,"endTime":1643.138,"body":" "},{"speaker":"Speaker 2","startTime":1643.178,"endTime":1643.58,"body":"Orion"},{"speaker":"Speaker 2","startTime":1643.58,"endTime":1643.58,"body":"."},{"speaker":"Speaker 2","startTime":1643.58,"endTime":1643.58,"body":" "},{"speaker":"Speaker 2","startTime":1644.475,"endTime":1644.555,"body":"So"},{"speaker":"Speaker 2","startTime":1644.555,"endTime":1644.555,"body":" "},{"speaker":"Speaker 2","startTime":1644.575,"endTime":1644.656,"body":"I"},{"speaker":"Speaker 2","startTime":1644.656,"endTime":1644.656,"body":" "},{"speaker":"Speaker 2","startTime":1644.676,"endTime":1644.856,"body":"know"},{"speaker":"Speaker 2","startTime":1644.856,"endTime":1644.856,"body":" "},{"speaker":"Speaker 2","startTime":1644.897,"endTime":1645.017,"body":"how"},{"speaker":"Speaker 2","startTime":1645.017,"endTime":1645.017,"body":" "},{"speaker":"Speaker 2","startTime":1645.057,"endTime":1645.238,"body":"much"},{"speaker":"Speaker 2","startTime":1645.238,"endTime":1645.238,"body":" "},{"speaker":"Speaker 2","startTime":1645.258,"endTime":1645.298,"body":"of"},{"speaker":"Speaker 2","startTime":1645.298,"endTime":1645.298,"body":" "},{"speaker":"Speaker 2","startTime":1645.72,"endTime":1645.76,"body":"a"},{"speaker":"Speaker 2","startTime":1645.76,"endTime":1645.76,"body":" "},{"speaker":"Speaker 2","startTime":1645.82,"endTime":1646.181,"body":"burden"},{"speaker":"Speaker 2","startTime":1646.181,"endTime":1646.181,"body":" "},{"speaker":"Speaker 2","startTime":1646.282,"endTime":1646.382,"body":"or"},{"speaker":"Speaker 2","startTime":1646.382,"endTime":1646.382,"body":" "},{"speaker":"Speaker 2","startTime":1646.402,"endTime":1646.523,"body":"not"},{"speaker":"Speaker 2","startTime":1646.523,"endTime":1646.523,"body":" "},{"speaker":"Speaker 2","startTime":1646.563,"endTime":1646.784,"body":"burden"},{"speaker":"Speaker 2","startTime":1646.784,"endTime":1646.784,"body":","},{"speaker":"Speaker 2","startTime":1646.784,"endTime":1646.784,"body":" "},{"speaker":"Speaker 2","startTime":1646.855,"endTime":1646.935,"body":"but"},{"speaker":"Speaker 2","startTime":1646.935,"endTime":1646.935,"body":" "},{"speaker":"Speaker 2","startTime":1646.975,"endTime":1647.076,"body":"like"},{"speaker":"Speaker 2","startTime":1647.076,"endTime":1647.076,"body":" "},{"speaker":"Speaker 2","startTime":1647.136,"endTime":1647.156,"body":"a"},{"speaker":"Speaker 2","startTime":1647.156,"endTime":1647.156,"body":" "},{"speaker":"Speaker 2","startTime":1647.196,"endTime":1647.417,"body":"bear"},{"speaker":"Speaker 2","startTime":1647.417,"endTime":1647.417,"body":" "},{"speaker":"Speaker 2","startTime":1647.437,"endTime":1647.578,"body":"that"},{"speaker":"Speaker 2","startTime":1647.578,"endTime":1647.578,"body":" "},{"speaker":"Speaker 2","startTime":1647.618,"endTime":1647.839,"body":"was"},{"speaker":"Speaker 2","startTime":1647.839,"endTime":1647.839,"body":" "},{"speaker":"Speaker 2","startTime":1647.999,"endTime":1648.18,"body":"to"},{"speaker":"Speaker 2","startTime":1648.18,"endTime":1648.18,"body":" "},{"speaker":"Speaker 2","startTime":1648.22,"endTime":1648.421,"body":"take"},{"speaker":"Speaker 2","startTime":1648.421,"endTime":1648.421,"body":" "},{"speaker":"Speaker 2","startTime":1648.682,"endTime":1648.762,"body":"on"},{"speaker":"Speaker 2","startTime":1648.762,"endTime":1648.762,"body":" "},{"speaker":"Speaker 2","startTime":1649.595,"endTime":1649.676,"body":"and"},{"speaker":"Speaker 2","startTime":1649.676,"endTime":1649.676,"body":" "},{"speaker":"Speaker 2","startTime":1649.716,"endTime":1649.776,"body":"to"},{"speaker":"Speaker 2","startTime":1649.776,"endTime":1649.776,"body":" "},{"speaker":"Speaker 2","startTime":1649.836,"endTime":1650.097,"body":"manage"},{"speaker":"Speaker 2","startTime":1650.097,"endTime":1650.097,"body":" "},{"speaker":"Speaker 2","startTime":1650.137,"endTime":1650.177,"body":"it"},{"speaker":"Speaker 2","startTime":1650.177,"endTime":1650.177,"body":" "},{"speaker":"Speaker 2","startTime":1650.258,"endTime":1650.659,"body":"in-house"},{"speaker":"Speaker 2","startTime":1650.659,"endTime":1650.659,"body":" "},{"speaker":"Speaker 2","startTime":1650.679,"endTime":1651.061,"body":"yourself"},{"speaker":"Speaker 2","startTime":1651.061,"endTime":1651.061,"body":"."},{"speaker":"Speaker 2","startTime":1651.061,"endTime":1651.061,"body":" "},{"speaker":"Speaker 2","startTime":1652.115,"endTime":1652.155,"body":"So"},{"speaker":"Speaker 2","startTime":1652.155,"endTime":1652.155,"body":" "},{"speaker":"Speaker 2","startTime":1652.175,"endTime":1652.256,"body":"I"},{"speaker":"Speaker 2","startTime":1652.256,"endTime":1652.256,"body":" "},{"speaker":"Speaker 2","startTime":1652.296,"endTime":1652.477,"body":"wanted"},{"speaker":"Speaker 2","startTime":1652.477,"endTime":1652.477,"body":" "},{"speaker":"Speaker 2","startTime":1652.497,"endTime":1652.557,"body":"to"},{"speaker":"Speaker 2","startTime":1652.557,"endTime":1652.557,"body":" "},{"speaker":"Speaker 2","startTime":1652.597,"endTime":1652.717,"body":"make"},{"speaker":"Speaker 2","startTime":1652.717,"endTime":1652.717,"body":" "},{"speaker":"Speaker 2","startTime":1652.758,"endTime":1653.079,"body":"sure"},{"speaker":"Speaker 2","startTime":1653.079,"endTime":1653.079,"body":" "},{"speaker":"Speaker 2","startTime":1653.38,"endTime":1653.962,"body":"operational"},{"speaker":"Speaker 2","startTime":1653.962,"endTime":1653.962,"body":" "},{"speaker":"Speaker 2","startTime":1656.215,"endTime":1656.295,"body":"you"},{"speaker":"Speaker 2","startTime":1656.295,"endTime":1656.295,"body":" "},{"speaker":"Speaker 2","startTime":1656.315,"endTime":1656.456,"body":"know"},{"speaker":"Speaker 2","startTime":1656.456,"endTime":1656.456,"body":","},{"speaker":"Speaker 2","startTime":1656.456,"endTime":1656.456,"body":" "},{"speaker":"Speaker 2","startTime":1656.637,"endTime":1656.837,"body":"ease"},{"speaker":"Speaker 2","startTime":1656.837,"endTime":1656.837,"body":" "},{"speaker":"Speaker 2","startTime":1656.958,"endTime":1657.018,"body":"of"},{"speaker":"Speaker 2","startTime":1657.018,"endTime":1657.018,"body":" "},{"speaker":"Speaker 2","startTime":1657.58,"endTime":1658.042,"body":"operational"},{"speaker":"Speaker 2","startTime":1658.042,"endTime":1658.042,"body":" "},{"speaker":"Speaker 2","startTime":1658.363,"endTime":1658.764,"body":"efficiency"},{"speaker":"Speaker 2","startTime":1658.764,"endTime":1658.764,"body":" "},{"speaker":"Speaker 2","startTime":1658.875,"endTime":1659.036,"body":"was"},{"speaker":"Speaker 2","startTime":1659.036,"endTime":1659.036,"body":" "},{"speaker":"Speaker 2","startTime":1660.039,"endTime":1660.16,"body":"kind"},{"speaker":"Speaker 2","startTime":1660.16,"endTime":1660.16,"body":" "},{"speaker":"Speaker 2","startTime":1660.18,"endTime":1660.22,"body":"of"},{"speaker":"Speaker 2","startTime":1660.22,"endTime":1660.22,"body":" "},{"speaker":"Speaker 2","startTime":1660.24,"endTime":1660.32,"body":"at"},{"speaker":"Speaker 2","startTime":1660.32,"endTime":1660.32,"body":" "},{"speaker":"Speaker 2","startTime":1660.34,"endTime":1660.401,"body":"the"},{"speaker":"Speaker 2","startTime":1660.401,"endTime":1660.401,"body":" "},{"speaker":"Speaker 2","startTime":1660.441,"endTime":1660.862,"body":"forefront"},{"speaker":"Speaker 2","startTime":1660.862,"endTime":1660.862,"body":"."},{"speaker":"Speaker 2","startTime":1660.862,"endTime":1660.862,"body":" "},{"speaker":"Speaker 2","startTime":1661.395,"endTime":1661.495,"body":"But"},{"speaker":"Speaker 2","startTime":1661.495,"endTime":1661.495,"body":" "},{"speaker":"Speaker 2","startTime":1661.536,"endTime":1661.736,"body":"also"},{"speaker":"Speaker 2","startTime":1661.736,"endTime":1661.736,"body":" "},{"speaker":"Speaker 2","startTime":1661.776,"endTime":1661.917,"body":"to"},{"speaker":"Speaker 2","startTime":1661.917,"endTime":1661.917,"body":" "},{"speaker":"Speaker 2","startTime":1661.937,"endTime":1662.057,"body":"just"},{"speaker":"Speaker 2","startTime":1662.057,"endTime":1662.057,"body":" "},{"speaker":"Speaker 2","startTime":1662.078,"endTime":1662.318,"body":"looking"},{"speaker":"Speaker 2","startTime":1662.318,"endTime":1662.318,"body":" "},{"speaker":"Speaker 2","startTime":1662.399,"endTime":1662.539,"body":"at"},{"speaker":"Speaker 2","startTime":1662.539,"endTime":1662.539,"body":" "},{"speaker":"Speaker 2","startTime":1662.559,"endTime":1662.619,"body":"the"},{"speaker":"Speaker 2","startTime":1662.619,"endTime":1662.619,"body":" "},{"speaker":"Speaker 2","startTime":1662.66,"endTime":1662.88,"body":"different"},{"speaker":"Speaker 2","startTime":1662.88,"endTime":1662.88,"body":" "},{"speaker":"Speaker 2","startTime":1662.92,"endTime":1663.302,"body":"investment"},{"speaker":"Speaker 2","startTime":1663.302,"endTime":1663.302,"body":" "},{"speaker":"Speaker 2","startTime":1663.322,"endTime":1663.884,"body":"minimums"},{"speaker":"Speaker 2","startTime":1663.884,"endTime":1663.884,"body":" "},{"speaker":"Speaker 2","startTime":1664.877,"endTime":1665.038,"body":"and"},{"speaker":"Speaker 2","startTime":1665.038,"endTime":1665.038,"body":" "},{"speaker":"Speaker 2","startTime":1665.419,"endTime":1666.061,"body":"offerings"},{"speaker":"Speaker 2","startTime":1666.061,"endTime":1666.061,"body":" "},{"speaker":"Speaker 2","startTime":1666.562,"endTime":1666.763,"body":"and"},{"speaker":"Speaker 2","startTime":1666.763,"endTime":1666.763,"body":" "},{"speaker":"Speaker 2","startTime":1667.605,"endTime":1667.705,"body":"the"},{"speaker":"Speaker 2","startTime":1667.705,"endTime":1667.705,"body":" "},{"speaker":"Speaker 2","startTime":1667.725,"endTime":1667.986,"body":"fees"},{"speaker":"Speaker 2","startTime":1667.986,"endTime":1667.986,"body":","},{"speaker":"Speaker 2","startTime":1667.986,"endTime":1667.986,"body":" "},{"speaker":"Speaker 2","startTime":1668.195,"endTime":1668.295,"body":"that"},{"speaker":"Speaker 2","startTime":1668.295,"endTime":1668.295,"body":" "},{"speaker":"Speaker 2","startTime":1668.316,"endTime":1668.436,"body":"those"},{"speaker":"Speaker 2","startTime":1668.436,"endTime":1668.436,"body":" "},{"speaker":"Speaker 2","startTime":1668.476,"endTime":1668.576,"body":"were"},{"speaker":"Speaker 2","startTime":1668.576,"endTime":1668.576,"body":" "},{"speaker":"Speaker 2","startTime":1668.597,"endTime":1668.777,"body":"very"},{"speaker":"Speaker 2","startTime":1668.777,"endTime":1668.777,"body":" "},{"speaker":"Speaker 2","startTime":1668.797,"endTime":1669.179,"body":"important"},{"speaker":"Speaker 2","startTime":1669.179,"endTime":1669.179,"body":" "},{"speaker":"Speaker 2","startTime":1669.199,"endTime":1669.259,"body":"to"},{"speaker":"Speaker 2","startTime":1669.259,"endTime":1669.259,"body":" "},{"speaker":"Speaker 2","startTime":1669.319,"endTime":1669.48,"body":"me"},{"speaker":"Speaker 2","startTime":1669.48,"endTime":1669.48,"body":" "},{"speaker":"Speaker 2","startTime":1670.041,"endTime":1670.122,"body":"as"},{"speaker":"Speaker 2","startTime":1670.122,"endTime":1670.122,"body":" "},{"speaker":"Speaker 2","startTime":1670.162,"endTime":1670.363,"body":"well"},{"speaker":"Speaker 2","startTime":1670.363,"endTime":1670.363,"body":" "},{"speaker":"Speaker 2","startTime":1671.035,"endTime":1671.135,"body":"and"},{"speaker":"Speaker 2","startTime":1671.135,"endTime":1671.135,"body":" "},{"speaker":"Speaker 2","startTime":1671.336,"endTime":1671.516,"body":"just"},{"speaker":"Speaker 2","startTime":1671.516,"endTime":1671.516,"body":" "},{"speaker":"Speaker 2","startTime":1671.857,"endTime":1672.178,"body":"really"},{"speaker":"Speaker 2","startTime":1672.178,"endTime":1672.178,"body":" "},{"speaker":"Speaker 2","startTime":1674.384,"endTime":1674.464,"body":"the"},{"speaker":"Speaker 2","startTime":1674.464,"endTime":1674.464,"body":" "},{"speaker":"Speaker 2","startTime":1674.504,"endTime":1674.665,"body":"firm"},{"speaker":"Speaker 2","startTime":1674.665,"endTime":1674.665,"body":" "},{"speaker":"Speaker 2","startTime":1674.705,"endTime":1674.805,"body":"that"},{"speaker":"Speaker 2","startTime":1674.805,"endTime":1674.805,"body":" "},{"speaker":"Speaker 2","startTime":1674.825,"endTime":1674.945,"body":"we"},{"speaker":"Speaker 2","startTime":1674.945,"endTime":1674.945,"body":" "},{"speaker":"Speaker 2","startTime":1675.006,"endTime":1675.367,"body":"chose"},{"speaker":"Speaker 2","startTime":1675.367,"endTime":1675.367,"body":" "},{"speaker":"Speaker 2","startTime":1675.615,"endTime":1675.736,"body":"but"},{"speaker":"Speaker 2","startTime":1675.736,"endTime":1675.736,"body":" "},{"speaker":"Speaker 2","startTime":1675.876,"endTime":1675.976,"body":"you"},{"speaker":"Speaker 2","startTime":1675.976,"endTime":1675.976,"body":" "},{"speaker":"Speaker 2","startTime":1675.997,"endTime":1676.097,"body":"know"},{"speaker":"Speaker 2","startTime":1676.097,"endTime":1676.097,"body":" "},{"speaker":"Speaker 2","startTime":1676.177,"endTime":1676.318,"body":"by"},{"speaker":"Speaker 2","startTime":1676.318,"endTime":1676.318,"body":" "},{"speaker":"Speaker 2","startTime":1676.398,"endTime":1676.639,"body":"far"},{"speaker":"Speaker 2","startTime":1676.639,"endTime":1676.639,"body":" "},{"speaker":"Speaker 2","startTime":1676.739,"endTime":1676.92,"body":"had"},{"speaker":"Speaker 2","startTime":1676.92,"endTime":1676.92,"body":" "},{"speaker":"Speaker 2","startTime":1676.94,"endTime":1677.02,"body":"the"},{"speaker":"Speaker 2","startTime":1677.02,"endTime":1677.02,"body":" "},{"speaker":"Speaker 2","startTime":1677.04,"endTime":1677.261,"body":"best"},{"speaker":"Speaker 2","startTime":1677.261,"endTime":1677.261,"body":" "},{"speaker":"Speaker 2","startTime":1677.502,"endTime":1677.843,"body":"investment"},{"speaker":"Speaker 2","startTime":1677.843,"endTime":1677.843,"body":" "},{"speaker":"Speaker 2","startTime":1677.863,"endTime":1678.144,"body":"minimum"},{"speaker":"Speaker 2","startTime":1678.144,"endTime":1678.144,"body":" "},{"speaker":"Speaker 2","startTime":1678.336,"endTime":1678.476,"body":"and"},{"speaker":"Speaker 2","startTime":1678.476,"endTime":1678.476,"body":" "},{"speaker":"Speaker 2","startTime":1678.516,"endTime":1678.777,"body":"fee"},{"speaker":"Speaker 2","startTime":1678.777,"endTime":1678.777,"body":" "},{"speaker":"Speaker 2","startTime":1679.439,"endTime":1679.54,"body":"by"},{"speaker":"Speaker 2","startTime":1679.54,"endTime":1679.54,"body":" "},{"speaker":"Speaker 2","startTime":1679.58,"endTime":1679.741,"body":"far"},{"speaker":"Speaker 2","startTime":1679.741,"endTime":1679.741,"body":"."},{"speaker":"Speaker 2","startTime":1679.741,"endTime":1679.741,"body":" "},{"speaker":"Speaker 2","startTime":1679.741,"endTime":1679.741,"body":"\n"},{"speaker":"Speaker 1","startTime":1680.775,"endTime":1681.016,"body":"Yeah"},{"speaker":"Speaker 1","startTime":1681.016,"endTime":1681.016,"body":","},{"speaker":"Speaker 1","startTime":1681.016,"endTime":1681.016,"body":" "},{"speaker":"Speaker 1","startTime":1681.357,"endTime":1681.478,"body":"and"},{"speaker":"Speaker 1","startTime":1681.478,"endTime":1681.478,"body":" "},{"speaker":"Speaker 1","startTime":1681.558,"endTime":1681.658,"body":"when"},{"speaker":"Speaker 1","startTime":1681.658,"endTime":1681.658,"body":" "},{"speaker":"Speaker 1","startTime":1681.699,"endTime":1681.739,"body":"I"},{"speaker":"Speaker 1","startTime":1681.739,"endTime":1681.739,"body":" "},{"speaker":"Speaker 1","startTime":1681.779,"endTime":1681.879,"body":"was"},{"speaker":"Speaker 1","startTime":1681.879,"endTime":1681.879,"body":" "},{"speaker":"Speaker 1","startTime":1681.919,"endTime":1681.98,"body":"at"},{"speaker":"Speaker 1","startTime":1681.98,"endTime":1681.98,"body":" "},{"speaker":"Speaker 1","startTime":1682.0,"endTime":1682.08,"body":"the"},{"speaker":"Speaker 1","startTime":1682.08,"endTime":1682.08,"body":" "},{"speaker":"Speaker 1","startTime":1682.1,"endTime":1682.381,"body":"Schwab"},{"speaker":"Speaker 1","startTime":1682.381,"endTime":1682.381,"body":" "},{"speaker":"Speaker 1","startTime":1682.401,"endTime":1683.023,"body":"conference"},{"speaker":"Speaker 1","startTime":1683.023,"endTime":1683.023,"body":" "},{"speaker":"Speaker 1","startTime":1683.175,"endTime":1683.296,"body":"not"},{"speaker":"Speaker 1","startTime":1683.296,"endTime":1683.296,"body":" "},{"speaker":"Speaker 1","startTime":1683.336,"endTime":1683.476,"body":"this"},{"speaker":"Speaker 1","startTime":1683.476,"endTime":1683.476,"body":" "},{"speaker":"Speaker 1","startTime":1683.536,"endTime":1683.777,"body":"last"},{"speaker":"Speaker 1","startTime":1683.777,"endTime":1683.777,"body":" "},{"speaker":"Speaker 1","startTime":1683.797,"endTime":1683.958,"body":"year"},{"speaker":"Speaker 1","startTime":1683.958,"endTime":1683.958,"body":" "},{"speaker":"Speaker 1","startTime":1684.018,"endTime":1684.159,"body":"but"},{"speaker":"Speaker 1","startTime":1684.159,"endTime":1684.159,"body":" "},{"speaker":"Speaker 1","startTime":1684.239,"endTime":1684.339,"body":"the"},{"speaker":"Speaker 1","startTime":1684.339,"endTime":1684.339,"body":" "},{"speaker":"Speaker 1","startTime":1684.379,"endTime":1684.54,"body":"year"},{"speaker":"Speaker 1","startTime":1684.54,"endTime":1684.54,"body":" "},{"speaker":"Speaker 1","startTime":1684.6,"endTime":1684.961,"body":"prior"},{"speaker":"Speaker 1","startTime":1684.961,"endTime":1684.961,"body":" "},{"speaker":"Speaker 1","startTime":1685.795,"endTime":1685.936,"body":"they"},{"speaker":"Speaker 1","startTime":1685.936,"endTime":1685.936,"body":" "},{"speaker":"Speaker 1","startTime":1686.498,"endTime":1686.638,"body":"were"},{"speaker":"Speaker 1","startTime":1686.638,"endTime":1686.638,"body":" "},{"speaker":"Speaker 1","startTime":1686.678,"endTime":1687.06,"body":"talking"},{"speaker":"Speaker 1","startTime":1687.06,"endTime":1687.06,"body":" "},{"speaker":"Speaker 1","startTime":1687.14,"endTime":1687.441,"body":"heavily"},{"speaker":"Speaker 1","startTime":1687.441,"endTime":1687.441,"body":" "},{"speaker":"Speaker 1","startTime":1687.501,"endTime":1687.722,"body":"about"},{"speaker":"Speaker 1","startTime":1687.722,"endTime":1687.722,"body":" "},{"speaker":"Speaker 1","startTime":1688.335,"endTime":1688.476,"body":"their"},{"speaker":"Speaker 1","startTime":1688.476,"endTime":1688.476,"body":" "},{"speaker":"Speaker 1","startTime":1688.516,"endTime":1688.737,"body":"direct"},{"speaker":"Speaker 1","startTime":1688.737,"endTime":1688.737,"body":" "},{"speaker":"Speaker 1","startTime":1688.817,"endTime":1689.259,"body":"indexing"},{"speaker":"Speaker 1","startTime":1689.259,"endTime":1689.259,"body":" "},{"speaker":"Speaker 1","startTime":1689.299,"endTime":1689.982,"body":"capabilities"},{"speaker":"Speaker 1","startTime":1689.982,"endTime":1689.982,"body":" "},{"speaker":"Speaker 1","startTime":1690.095,"endTime":1690.195,"body":"and"},{"speaker":"Speaker 1","startTime":1690.195,"endTime":1690.195,"body":" "},{"speaker":"Speaker 1","startTime":1690.557,"endTime":1690.677,"body":"they"},{"speaker":"Speaker 1","startTime":1690.677,"endTime":1690.677,"body":" "},{"speaker":"Speaker 1","startTime":1690.697,"endTime":1690.838,"body":"said"},{"speaker":"Speaker 1","startTime":1690.838,"endTime":1690.838,"body":","},{"speaker":"Speaker 1","startTime":1690.838,"endTime":1690.838,"body":" "},{"speaker":"Speaker 1","startTime":1690.938,"endTime":1691.239,"body":"ultimately"},{"speaker":"Speaker 1","startTime":1691.239,"endTime":1691.239,"body":" "},{"speaker":"Speaker 1","startTime":1691.259,"endTime":1691.34,"body":"they"},{"speaker":"Speaker 1","startTime":1691.34,"endTime":1691.34,"body":" "},{"speaker":"Speaker 1","startTime":1691.36,"endTime":1691.48,"body":"want"},{"speaker":"Speaker 1","startTime":1691.48,"endTime":1691.48,"body":" "},{"speaker":"Speaker 1","startTime":1691.52,"endTime":1691.6,"body":"to"},{"speaker":"Speaker 1","startTime":1691.6,"endTime":1691.6,"body":" "},{"speaker":"Speaker 1","startTime":1691.641,"endTime":1691.942,"body":"drive"},{"speaker":"Speaker 1","startTime":1691.942,"endTime":1691.942,"body":" "},{"speaker":"Speaker 1","startTime":1691.982,"endTime":1692.062,"body":"the"},{"speaker":"Speaker 1","startTime":1692.062,"endTime":1692.062,"body":" "},{"speaker":"Speaker 1","startTime":1692.102,"endTime":1692.484,"body":"cost"},{"speaker":"Speaker 1","startTime":1692.484,"endTime":1692.484,"body":" "},{"speaker":"Speaker 1","startTime":1692.655,"endTime":1692.715,"body":"of"},{"speaker":"Speaker 1","startTime":1692.715,"endTime":1692.715,"body":" "},{"speaker":"Speaker 1","startTime":1692.735,"endTime":1692.976,"body":"direct"},{"speaker":"Speaker 1","startTime":1692.976,"endTime":1692.976,"body":" "},{"speaker":"Speaker 1","startTime":1693.016,"endTime":1693.437,"body":"indexing"},{"speaker":"Speaker 1","startTime":1693.437,"endTime":1693.437,"body":" "},{"speaker":"Speaker 1","startTime":1693.457,"endTime":1693.518,"body":"to"},{"speaker":"Speaker 1","startTime":1693.518,"endTime":1693.518,"body":" "},{"speaker":"Speaker 1","startTime":1693.558,"endTime":1693.658,"body":"be"},{"speaker":"Speaker 1","startTime":1693.658,"endTime":1693.658,"body":" "},{"speaker":"Speaker 1","startTime":1693.758,"endTime":1694.32,"body":"below"},{"speaker":"Speaker 1","startTime":1694.32,"endTime":1694.32,"body":" "},{"speaker":"Speaker 1","startTime":1694.721,"endTime":1694.801,"body":"the"},{"speaker":"Speaker 1","startTime":1694.801,"endTime":1694.801,"body":" "},{"speaker":"Speaker 1","startTime":1694.902,"endTime":1695.142,"body":"average"},{"speaker":"Speaker 1","startTime":1695.142,"endTime":1695.142,"body":" "},{"speaker":"Speaker 1","startTime":1695.223,"endTime":1695.644,"body":"ETF"},{"speaker":"Speaker 1","startTime":1695.644,"endTime":1695.644,"body":" "},{"speaker":"Speaker 1","startTime":1696.555,"endTime":1696.917,"body":"index"},{"speaker":"Speaker 1","startTime":1696.917,"endTime":1696.917,"body":" "},{"speaker":"Speaker 1","startTime":1697.038,"endTime":1697.439,"body":"ETF"},{"speaker":"Speaker 1","startTime":1697.439,"endTime":1697.439,"body":"."},{"speaker":"Speaker 1","startTime":1697.439,"endTime":1697.439,"body":" "},{"speaker":"Speaker 1","startTime":1697.895,"endTime":1697.995,"body":"Well"},{"speaker":"Speaker 1","startTime":1697.995,"endTime":1697.995,"body":","},{"speaker":"Speaker 1","startTime":1697.995,"endTime":1697.995,"body":" "},{"speaker":"Speaker 1","startTime":1698.015,"endTime":1698.116,"body":"the"},{"speaker":"Speaker 1","startTime":1698.116,"endTime":1698.116,"body":" "},{"speaker":"Speaker 1","startTime":1698.176,"endTime":1698.417,"body":"average"},{"speaker":"Speaker 1","startTime":1698.417,"endTime":1698.417,"body":" "},{"speaker":"Speaker 1","startTime":1698.457,"endTime":1698.698,"body":"index"},{"speaker":"Speaker 1","startTime":1698.698,"endTime":1698.698,"body":" "},{"speaker":"Speaker 1","startTime":1698.738,"endTime":1699.139,"body":"ETF"},{"speaker":"Speaker 1","startTime":1699.139,"endTime":1699.139,"body":" "},{"speaker":"Speaker 1","startTime":1699.2,"endTime":1699.26,"body":"is"},{"speaker":"Speaker 1","startTime":1699.26,"endTime":1699.26,"body":" "},{"speaker":"Speaker 1","startTime":1699.28,"endTime":1699.44,"body":"like"},{"speaker":"Speaker 1","startTime":1699.44,"endTime":1699.44,"body":" "},{"speaker":"Speaker 1","startTime":1699.48,"endTime":1699.681,"body":"three"},{"speaker":"Speaker 1","startTime":1699.681,"endTime":1699.681,"body":" "},{"speaker":"Speaker 1","startTime":1699.721,"endTime":1700.042,"body":"basis"},{"speaker":"Speaker 1","startTime":1700.042,"endTime":1700.042,"body":" "},{"speaker":"Speaker 1","startTime":1700.103,"endTime":1700.384,"body":"points"},{"speaker":"Speaker 1","startTime":1700.384,"endTime":1700.384,"body":" "},{"speaker":"Speaker 1","startTime":1700.404,"endTime":1700.604,"body":"now"},{"speaker":"Speaker 1","startTime":1700.604,"endTime":1700.604,"body":","},{"speaker":"Speaker 1","startTime":1700.604,"endTime":1700.604,"body":" "},{"speaker":"Speaker 1","startTime":1700.876,"endTime":1700.996,"body":"or"},{"speaker":"Speaker 1","startTime":1700.996,"endTime":1700.996,"body":" "},{"speaker":"Speaker 1","startTime":1701.036,"endTime":1701.659,"body":"0.03"},{"speaker":"Speaker 1","startTime":1701.659,"endTime":1701.659,"body":"."},{"speaker":"Speaker 1","startTime":1701.659,"endTime":1701.659,"body":" "},{"speaker":"Speaker 1","startTime":1702.195,"endTime":1702.496,"body":"So"},{"speaker":"Speaker 1","startTime":1702.496,"endTime":1702.496,"body":" "},{"speaker":"Speaker 1","startTime":1702.798,"endTime":1702.898,"body":"the"},{"speaker":"Speaker 1","startTime":1702.898,"endTime":1702.898,"body":" "},{"speaker":"Speaker 1","startTime":1702.938,"endTime":1703.079,"body":"fact"},{"speaker":"Speaker 1","startTime":1703.079,"endTime":1703.079,"body":" "},{"speaker":"Speaker 1","startTime":1703.099,"endTime":1703.3,"body":"they're"},{"speaker":"Speaker 1","startTime":1703.3,"endTime":1703.3,"body":" "},{"speaker":"Speaker 1","startTime":1703.32,"endTime":1703.641,"body":"already"},{"speaker":"Speaker 1","startTime":1703.641,"endTime":1703.641,"body":" "},{"speaker":"Speaker 1","startTime":1703.661,"endTime":1703.741,"body":"the"},{"speaker":"Speaker 1","startTime":1703.741,"endTime":1703.741,"body":" "},{"speaker":"Speaker 1","startTime":1703.781,"endTime":1704.163,"body":"cheapest"},{"speaker":"Speaker 1","startTime":1704.163,"endTime":1704.163,"body":" "},{"speaker":"Speaker 1","startTime":1704.255,"endTime":1704.315,"body":"by"},{"speaker":"Speaker 1","startTime":1704.315,"endTime":1704.315,"body":" "},{"speaker":"Speaker 1","startTime":1704.355,"endTime":1704.536,"body":"such"},{"speaker":"Speaker 1","startTime":1704.536,"endTime":1704.536,"body":" "},{"speaker":"Speaker 1","startTime":1704.556,"endTime":1704.576,"body":"a"},{"speaker":"Speaker 1","startTime":1704.576,"endTime":1704.576,"body":" "},{"speaker":"Speaker 1","startTime":1704.636,"endTime":1704.837,"body":"large"},{"speaker":"Speaker 1","startTime":1704.837,"endTime":1704.837,"body":" "},{"speaker":"Speaker 1","startTime":1704.897,"endTime":1705.319,"body":"margin"},{"speaker":"Speaker 1","startTime":1705.319,"endTime":1705.319,"body":" "},{"speaker":"Speaker 1","startTime":1705.399,"endTime":1705.48,"body":"is"},{"speaker":"Speaker 1","startTime":1705.48,"endTime":1705.48,"body":" "},{"speaker":"Speaker 1","startTime":1705.781,"endTime":1705.981,"body":"very"},{"speaker":"Speaker 1","startTime":1705.981,"endTime":1705.981,"body":" "},{"speaker":"Speaker 1","startTime":1706.001,"endTime":1706.563,"body":"Schwab-like"},{"speaker":"Speaker 1","startTime":1706.563,"endTime":1706.563,"body":"."},{"speaker":"Speaker 1","startTime":1706.563,"endTime":1706.563,"body":" "},{"speaker":"Speaker 1","startTime":1706.735,"endTime":1706.896,"body":"But"},{"speaker":"Speaker 1","startTime":1706.896,"endTime":1706.896,"body":" "},{"speaker":"Speaker 1","startTime":1707.658,"endTime":1707.919,"body":"knowing"},{"speaker":"Speaker 1","startTime":1707.919,"endTime":1707.919,"body":" "},{"speaker":"Speaker 1","startTime":1707.939,"endTime":1708.1,"body":"that"},{"speaker":"Speaker 1","startTime":1708.1,"endTime":1708.1,"body":","},{"speaker":"Speaker 1","startTime":1708.1,"endTime":1708.1,"body":" "},{"speaker":"Speaker 1","startTime":1708.261,"endTime":1708.441,"body":"hey"},{"speaker":"Speaker 1","startTime":1708.441,"endTime":1708.441,"body":","},{"speaker":"Speaker 1","startTime":1708.441,"endTime":1708.441,"body":" "},{"speaker":"Speaker 1","startTime":1708.481,"endTime":1708.622,"body":"this"},{"speaker":"Speaker 1","startTime":1708.622,"endTime":1708.622,"body":" "},{"speaker":"Speaker 1","startTime":1708.682,"endTime":1708.883,"body":"price"},{"speaker":"Speaker 1","startTime":1708.883,"endTime":1708.883,"body":" "},{"speaker":"Speaker 1","startTime":1708.923,"endTime":1709.003,"body":"is"},{"speaker":"Speaker 1","startTime":1709.003,"endTime":1709.003,"body":" "},{"speaker":"Speaker 1","startTime":1709.043,"endTime":1709.244,"body":"probably"},{"speaker":"Speaker 1","startTime":1709.244,"endTime":1709.244,"body":" "},{"speaker":"Speaker 1","startTime":1709.275,"endTime":1709.436,"body":"going"},{"speaker":"Speaker 1","startTime":1709.436,"endTime":1709.436,"body":" "},{"speaker":"Speaker 1","startTime":1709.456,"endTime":1709.516,"body":"to"},{"speaker":"Speaker 1","startTime":1709.516,"endTime":1709.516,"body":" "},{"speaker":"Speaker 1","startTime":1709.536,"endTime":1709.616,"body":"keep"},{"speaker":"Speaker 1","startTime":1709.616,"endTime":1709.616,"body":" "},{"speaker":"Speaker 1","startTime":1709.637,"endTime":1709.998,"body":"driving"},{"speaker":"Speaker 1","startTime":1709.998,"endTime":1709.998,"body":" "},{"speaker":"Speaker 1","startTime":1710.038,"endTime":1710.32,"body":"down"},{"speaker":"Speaker 1","startTime":1710.32,"endTime":1710.32,"body":" "},{"speaker":"Speaker 1","startTime":1710.735,"endTime":1710.816,"body":"and"},{"speaker":"Speaker 1","startTime":1710.816,"endTime":1710.816,"body":" "},{"speaker":"Speaker 1","startTime":1710.876,"endTime":1711.017,"body":"we're"},{"speaker":"Speaker 1","startTime":1711.017,"endTime":1711.017,"body":" "},{"speaker":"Speaker 1","startTime":1711.037,"endTime":1711.258,"body":"working"},{"speaker":"Speaker 1","startTime":1711.258,"endTime":1711.258,"body":" "},{"speaker":"Speaker 1","startTime":1711.278,"endTime":1711.378,"body":"with"},{"speaker":"Speaker 1","startTime":1711.378,"endTime":1711.378,"body":" "},{"speaker":"Speaker 1","startTime":1711.438,"endTime":1711.479,"body":"a"},{"speaker":"Speaker 1","startTime":1711.479,"endTime":1711.479,"body":" "},{"speaker":"Speaker 1","startTime":1711.499,"endTime":1711.941,"body":"provider"},{"speaker":"Speaker 1","startTime":1711.941,"endTime":1711.941,"body":" "},{"speaker":"Speaker 1","startTime":1712.035,"endTime":1712.176,"body":"who's"},{"speaker":"Speaker 1","startTime":1712.176,"endTime":1712.176,"body":" "},{"speaker":"Speaker 1","startTime":1712.216,"endTime":1712.457,"body":"trying"},{"speaker":"Speaker 1","startTime":1712.457,"endTime":1712.457,"body":" "},{"speaker":"Speaker 1","startTime":1712.477,"endTime":1712.878,"body":"to"},{"speaker":"Speaker 1","startTime":1712.878,"endTime":1712.878,"body":" "},{"speaker":"Speaker 1","startTime":1713.34,"endTime":1713.62,"body":"change"},{"speaker":"Speaker 1","startTime":1713.62,"endTime":1713.62,"body":","},{"speaker":"Speaker 1","startTime":1713.62,"endTime":1713.62,"body":" "},{"speaker":"Speaker 1","startTime":1713.661,"endTime":1713.881,"body":"really"},{"speaker":"Speaker 1","startTime":1713.881,"endTime":1713.881,"body":" "},{"speaker":"Speaker 1","startTime":1713.942,"endTime":1714.443,"body":"investing"},{"speaker":"Speaker 1","startTime":1714.443,"endTime":1714.443,"body":" "},{"speaker":"Speaker 1","startTime":1714.995,"endTime":1715.095,"body":"from"},{"speaker":"Speaker 1","startTime":1715.095,"endTime":1715.095,"body":" "},{"speaker":"Speaker 1","startTime":1715.116,"endTime":1715.236,"body":"that"},{"speaker":"Speaker 1","startTime":1715.236,"endTime":1715.236,"body":" "},{"speaker":"Speaker 1","startTime":1715.296,"endTime":1715.798,"body":"standpoint"},{"speaker":"Speaker 1","startTime":1715.798,"endTime":1715.798,"body":" "},{"speaker":"Speaker 1","startTime":1716.842,"endTime":1716.902,"body":"on"},{"speaker":"Speaker 1","startTime":1716.902,"endTime":1716.902,"body":" "},{"speaker":"Speaker 1","startTime":1716.922,"endTime":1717.002,"body":"the"},{"speaker":"Speaker 1","startTime":1717.002,"endTime":1717.002,"body":" "},{"speaker":"Speaker 1","startTime":1717.042,"endTime":1717.363,"body":"cost"},{"speaker":"Speaker 1","startTime":1717.363,"endTime":1717.363,"body":" "},{"speaker":"Speaker 1","startTime":1717.403,"endTime":1717.624,"body":"front"},{"speaker":"Speaker 1","startTime":1717.624,"endTime":1717.624,"body":","},{"speaker":"Speaker 1","startTime":1717.624,"endTime":1717.624,"body":" "},{"speaker":"Speaker 1","startTime":1717.715,"endTime":1717.896,"body":"so"},{"speaker":"Speaker 1","startTime":1717.896,"endTime":1717.896,"body":" "},{"speaker":"Speaker 1","startTime":1718.437,"endTime":1718.498,"body":"I"},{"speaker":"Speaker 1","startTime":1718.498,"endTime":1718.498,"body":" "},{"speaker":"Speaker 1","startTime":1718.518,"endTime":1718.678,"body":"think"},{"speaker":"Speaker 1","startTime":1718.678,"endTime":1718.678,"body":" "},{"speaker":"Speaker 1","startTime":1718.718,"endTime":1718.839,"body":"that"},{"speaker":"Speaker 1","startTime":1718.839,"endTime":1718.839,"body":" "},{"speaker":"Speaker 1","startTime":1718.879,"endTime":1719.762,"body":"was"},{"speaker":"Speaker 1","startTime":1719.762,"endTime":1719.762,"body":" "},{"speaker":"Speaker 1","startTime":1719.782,"endTime":1719.802,"body":"a"},{"speaker":"Speaker 1","startTime":1719.802,"endTime":1719.802,"body":" "},{"speaker":"Speaker 1","startTime":1719.822,"endTime":1719.942,"body":"good"},{"speaker":"Speaker 1","startTime":1719.942,"endTime":1719.942,"body":" "},{"speaker":"Speaker 1","startTime":1719.962,"endTime":1720.183,"body":"choice"},{"speaker":"Speaker 1","startTime":1720.183,"endTime":1720.183,"body":","},{"speaker":"Speaker 1","startTime":1720.183,"endTime":1720.183,"body":" "},{"speaker":"Speaker 1","startTime":1720.263,"endTime":1720.624,"body":"obviously"},{"speaker":"Speaker 1","startTime":1720.624,"endTime":1720.624,"body":"."},{"speaker":"Speaker 1","startTime":1720.624,"endTime":1720.624,"body":" "},{"speaker":"Speaker 1","startTime":1720.624,"endTime":1720.624,"body":"\n"},{"speaker":"Speaker 1","startTime":1722.475,"endTime":1722.676,"body":"Well"},{"speaker":"Speaker 1","startTime":1722.676,"endTime":1722.676,"body":","},{"speaker":"Speaker 1","startTime":1722.676,"endTime":1722.676,"body":" "},{"speaker":"Speaker 1","startTime":1723.077,"endTime":1723.157,"body":"you"},{"speaker":"Speaker 1","startTime":1723.157,"endTime":1723.157,"body":" "},{"speaker":"Speaker 1","startTime":1723.177,"endTime":1723.298,"body":"know"},{"speaker":"Speaker 1","startTime":1723.298,"endTime":1723.298,"body":","},{"speaker":"Speaker 1","startTime":1723.298,"endTime":1723.298,"body":" "},{"speaker":"Speaker 1","startTime":1723.378,"endTime":1723.719,"body":"again"},{"speaker":"Speaker 1","startTime":1723.719,"endTime":1723.719,"body":","},{"speaker":"Speaker 1","startTime":1723.719,"endTime":1723.719,"body":" "},{"speaker":"Speaker 1","startTime":1723.899,"endTime":1724.28,"body":"this"},{"speaker":"Speaker 1","startTime":1724.28,"endTime":1724.28,"body":" "},{"speaker":"Speaker 1","startTime":1724.421,"endTime":1724.601,"body":"is"},{"speaker":"Speaker 1","startTime":1724.601,"endTime":1724.601,"body":" "},{"speaker":"Speaker 1","startTime":1724.642,"endTime":1724.762,"body":"not"},{"speaker":"Speaker 1","startTime":1724.762,"endTime":1724.762,"body":" "},{"speaker":"Speaker 1","startTime":1724.782,"endTime":1724.882,"body":"going"},{"speaker":"Speaker 1","startTime":1724.882,"endTime":1724.882,"body":" "},{"speaker":"Speaker 1","startTime":1724.902,"endTime":1724.942,"body":"to"},{"speaker":"Speaker 1","startTime":1724.942,"endTime":1724.942,"body":" "},{"speaker":"Speaker 1","startTime":1724.963,"endTime":1725.043,"body":"be"},{"speaker":"Speaker 1","startTime":1725.043,"endTime":1725.043,"body":" "},{"speaker":"Speaker 1","startTime":1725.063,"endTime":1725.183,"body":"for"},{"speaker":"Speaker 1","startTime":1725.183,"endTime":1725.183,"body":" "},{"speaker":"Speaker 1","startTime":1725.283,"endTime":1725.745,"body":"everyone"},{"speaker":"Speaker 1","startTime":1725.745,"endTime":1725.745,"body":" "},{"speaker":"Speaker 1","startTime":1726.516,"endTime":1726.877,"body":"and"},{"speaker":"Speaker 1","startTime":1726.877,"endTime":1726.877,"body":" "},{"speaker":"Speaker 1","startTime":1727.679,"endTime":1727.759,"body":"I"},{"speaker":"Speaker 1","startTime":1727.759,"endTime":1727.759,"body":" "},{"speaker":"Speaker 1","startTime":1727.799,"endTime":1728.02,"body":"will"},{"speaker":"Speaker 1","startTime":1728.02,"endTime":1728.02,"body":" "},{"speaker":"Speaker 1","startTime":1728.06,"endTime":1728.401,"body":"say"},{"speaker":"Speaker 1","startTime":1728.401,"endTime":1728.401,"body":" "},{"speaker":"Speaker 1","startTime":1728.481,"endTime":1728.802,"body":"that"},{"speaker":"Speaker 1","startTime":1728.802,"endTime":1728.802,"body":" "},{"speaker":"Speaker 1","startTime":1729.945,"endTime":1730.105,"body":"for"},{"speaker":"Speaker 1","startTime":1730.105,"endTime":1730.105,"body":" "},{"speaker":"Speaker 1","startTime":1730.145,"endTime":1730.486,"body":"those"},{"speaker":"Speaker 1","startTime":1730.486,"endTime":1730.486,"body":" "},{"speaker":"Speaker 1","startTime":1730.546,"endTime":1730.606,"body":"of"},{"speaker":"Speaker 1","startTime":1730.606,"endTime":1730.606,"body":" "},{"speaker":"Speaker 1","startTime":1730.667,"endTime":1730.827,"body":"you"},{"speaker":"Speaker 1","startTime":1730.827,"endTime":1730.827,"body":" "},{"speaker":"Speaker 1","startTime":1731.376,"endTime":1731.617,"body":"that"},{"speaker":"Speaker 1","startTime":1731.617,"endTime":1731.617,"body":" "},{"speaker":"Speaker 1","startTime":1731.817,"endTime":1731.957,"body":"are"},{"speaker":"Speaker 1","startTime":1731.957,"endTime":1731.957,"body":" "},{"speaker":"Speaker 1","startTime":1732.8,"endTime":1733.181,"body":"building"},{"speaker":"Speaker 1","startTime":1733.181,"endTime":1733.181,"body":" "},{"speaker":"Speaker 1","startTime":1735.687,"endTime":1736.048,"body":"assets"},{"speaker":"Speaker 1","startTime":1736.048,"endTime":1736.048,"body":" "},{"speaker":"Speaker 1","startTime":1736.188,"endTime":1736.549,"body":"outside"},{"speaker":"Speaker 1","startTime":1736.549,"endTime":1736.549,"body":" "},{"speaker":"Speaker 1","startTime":1736.589,"endTime":1736.649,"body":"of"},{"speaker":"Speaker 1","startTime":1736.649,"endTime":1736.649,"body":" "},{"speaker":"Speaker 1","startTime":1736.689,"endTime":1737.15,"body":"retirement"},{"speaker":"Speaker 1","startTime":1737.15,"endTime":1737.15,"body":","},{"speaker":"Speaker 1","startTime":1737.15,"endTime":1737.15,"body":" "},{"speaker":"Speaker 1","startTime":1737.916,"endTime":1738.016,"body":"we"},{"speaker":"Speaker 1","startTime":1738.016,"endTime":1738.016,"body":" "},{"speaker":"Speaker 1","startTime":1738.077,"endTime":1738.197,"body":"do"},{"speaker":"Speaker 1","startTime":1738.197,"endTime":1738.197,"body":" "},{"speaker":"Speaker 1","startTime":1738.237,"endTime":1738.358,"body":"have"},{"speaker":"Speaker 1","startTime":1738.358,"endTime":1738.358,"body":" "},{"speaker":"Speaker 1","startTime":1738.398,"endTime":1738.418,"body":"a"},{"speaker":"Speaker 1","startTime":1738.418,"endTime":1738.418,"body":" "},{"speaker":"Speaker 1","startTime":1738.538,"endTime":1738.819,"body":"flight"},{"speaker":"Speaker 1","startTime":1738.819,"endTime":1738.819,"body":" "},{"speaker":"Speaker 1","startTime":1738.86,"endTime":1739.1,"body":"path"},{"speaker":"Speaker 1","startTime":1739.1,"endTime":1739.1,"body":" "},{"speaker":"Speaker 1","startTime":1739.141,"endTime":1739.462,"body":"program"},{"speaker":"Speaker 1","startTime":1739.462,"endTime":1739.462,"body":"."},{"speaker":"Speaker 1","startTime":1739.462,"endTime":1739.462,"body":" "},{"speaker":"Speaker 1","startTime":1739.995,"endTime":1740.035,"body":"It"},{"speaker":"Speaker 1","startTime":1740.035,"endTime":1740.035,"body":" "},{"speaker":"Speaker 1","startTime":1740.076,"endTime":1740.216,"body":"does"},{"speaker":"Speaker 1","startTime":1740.216,"endTime":1740.216,"body":" "},{"speaker":"Speaker 1","startTime":1740.256,"endTime":1740.377,"body":"not"},{"speaker":"Speaker 1","startTime":1740.377,"endTime":1740.377,"body":" "},{"speaker":"Speaker 1","startTime":1740.437,"endTime":1740.537,"body":"do"},{"speaker":"Speaker 1","startTime":1740.537,"endTime":1740.537,"body":" "},{"speaker":"Speaker 1","startTime":1740.578,"endTime":1740.819,"body":"direct"},{"speaker":"Speaker 1","startTime":1740.819,"endTime":1740.819,"body":" "},{"speaker":"Speaker 1","startTime":1740.879,"endTime":1741.381,"body":"indexing"},{"speaker":"Speaker 1","startTime":1741.381,"endTime":1741.381,"body":" "},{"speaker":"Speaker 1","startTime":1742.055,"endTime":1742.196,"body":"but"},{"speaker":"Speaker 1","startTime":1742.196,"endTime":1742.196,"body":" "},{"speaker":"Speaker 1","startTime":1742.276,"endTime":1742.336,"body":"it"},{"speaker":"Speaker 1","startTime":1742.336,"endTime":1742.336,"body":" "},{"speaker":"Speaker 1","startTime":1742.376,"endTime":1742.577,"body":"does"},{"speaker":"Speaker 1","startTime":1742.577,"endTime":1742.577,"body":" "},{"speaker":"Speaker 1","startTime":1742.617,"endTime":1742.757,"body":"do"},{"speaker":"Speaker 1","startTime":1742.757,"endTime":1742.757,"body":" "},{"speaker":"Speaker 1","startTime":1742.778,"endTime":1743.018,"body":"tax"},{"speaker":"Speaker 1","startTime":1743.018,"endTime":1743.018,"body":" "},{"speaker":"Speaker 1","startTime":1743.038,"endTime":1743.199,"body":"loss"},{"speaker":"Speaker 1","startTime":1743.199,"endTime":1743.199,"body":" "},{"speaker":"Speaker 1","startTime":1743.219,"endTime":1743.661,"body":"harvesting"},{"speaker":"Speaker 1","startTime":1743.661,"endTime":1743.661,"body":" "},{"speaker":"Speaker 1","startTime":1743.741,"endTime":1744.303,"body":"automatically"},{"speaker":"Speaker 1","startTime":1744.303,"endTime":1744.303,"body":" "},{"speaker":"Speaker 1","startTime":1745.276,"endTime":1745.437,"body":"and"},{"speaker":"Speaker 1","startTime":1745.437,"endTime":1745.437,"body":" "},{"speaker":"Speaker 1","startTime":1745.658,"endTime":1746.039,"body":"inside"},{"speaker":"Speaker 1","startTime":1746.039,"endTime":1746.039,"body":" "},{"speaker":"Speaker 1","startTime":1746.099,"endTime":1746.28,"body":"that"},{"speaker":"Speaker 1","startTime":1746.28,"endTime":1746.28,"body":" "},{"speaker":"Speaker 1","startTime":1746.34,"endTime":1746.561,"body":"flight"},{"speaker":"Speaker 1","startTime":1746.561,"endTime":1746.561,"body":" "},{"speaker":"Speaker 1","startTime":1746.581,"endTime":1746.782,"body":"path"},{"speaker":"Speaker 1","startTime":1746.782,"endTime":1746.782,"body":" "},{"speaker":"Speaker 1","startTime":1746.802,"endTime":1747.143,"body":"program"},{"speaker":"Speaker 1","startTime":1747.143,"endTime":1747.143,"body":"."},{"speaker":"Speaker 1","startTime":1747.143,"endTime":1747.143,"body":" "},{"speaker":"Speaker 1","startTime":1747.215,"endTime":1747.295,"body":"You"},{"speaker":"Speaker 1","startTime":1747.295,"endTime":1747.295,"body":" "},{"speaker":"Speaker 1","startTime":1747.316,"endTime":1747.496,"body":"know"},{"speaker":"Speaker 1","startTime":1747.496,"endTime":1747.496,"body":" "},{"speaker":"Speaker 1","startTime":1747.577,"endTime":1747.717,"body":"we"},{"speaker":"Speaker 1","startTime":1747.717,"endTime":1747.717,"body":" "},{"speaker":"Speaker 1","startTime":1747.757,"endTime":1747.878,"body":"do"},{"speaker":"Speaker 1","startTime":1747.878,"endTime":1747.878,"body":" "},{"speaker":"Speaker 1","startTime":1747.898,"endTime":1748.039,"body":"this"},{"speaker":"Speaker 1","startTime":1748.039,"endTime":1748.039,"body":" "},{"speaker":"Speaker 1","startTime":1748.099,"endTime":1748.521,"body":"internally"},{"speaker":"Speaker 1","startTime":1748.521,"endTime":1748.521,"body":","},{"speaker":"Speaker 1","startTime":1748.521,"endTime":1748.521,"body":" "},{"speaker":"Speaker 1","startTime":1748.775,"endTime":1748.916,"body":"so"},{"speaker":"Speaker 1","startTime":1748.916,"endTime":1748.916,"body":" "},{"speaker":"Speaker 1","startTime":1749.277,"endTime":1749.417,"body":"all"},{"speaker":"Speaker 1","startTime":1749.417,"endTime":1749.417,"body":" "},{"speaker":"Speaker 1","startTime":1749.457,"endTime":1749.799,"body":"clients"},{"speaker":"Speaker 1","startTime":1749.799,"endTime":1749.799,"body":" "},{"speaker":"Speaker 1","startTime":1749.839,"endTime":1749.959,"body":"get"},{"speaker":"Speaker 1","startTime":1749.959,"endTime":1749.959,"body":" "},{"speaker":"Speaker 1","startTime":1750.019,"endTime":1750.24,"body":"tax"},{"speaker":"Speaker 1","startTime":1750.24,"endTime":1750.24,"body":" "},{"speaker":"Speaker 1","startTime":1750.26,"endTime":1750.421,"body":"loss"},{"speaker":"Speaker 1","startTime":1750.421,"endTime":1750.421,"body":" "},{"speaker":"Speaker 1","startTime":1750.441,"endTime":1750.842,"body":"harvesting"},{"speaker":"Speaker 1","startTime":1750.842,"endTime":1750.842,"body":" "},{"speaker":"Speaker 1","startTime":1750.882,"endTime":1751.003,"body":"here"},{"speaker":"Speaker 1","startTime":1751.003,"endTime":1751.003,"body":"."},{"speaker":"Speaker 1","startTime":1751.003,"endTime":1751.003,"body":" "},{"speaker":"Speaker 1","startTime":1751.695,"endTime":1751.916,"body":"But"},{"speaker":"Speaker 1","startTime":1751.916,"endTime":1751.916,"body":" "},{"speaker":"Speaker 1","startTime":1752.036,"endTime":1752.157,"body":"for"},{"speaker":"Speaker 1","startTime":1752.157,"endTime":1752.157,"body":" "},{"speaker":"Speaker 1","startTime":1752.197,"endTime":1752.438,"body":"those"},{"speaker":"Speaker 1","startTime":1752.438,"endTime":1752.438,"body":" "},{"speaker":"Speaker 1","startTime":1752.478,"endTime":1752.618,"body":"that"},{"speaker":"Speaker 1","startTime":1752.618,"endTime":1752.618,"body":" "},{"speaker":"Speaker 1","startTime":1752.699,"endTime":1752.819,"body":"are"},{"speaker":"Speaker 1","startTime":1752.819,"endTime":1752.819,"body":" "},{"speaker":"Speaker 1","startTime":1752.939,"endTime":1753.16,"body":"trying"},{"speaker":"Speaker 1","startTime":1753.16,"endTime":1753.16,"body":" "},{"speaker":"Speaker 1","startTime":1753.18,"endTime":1753.24,"body":"to"},{"speaker":"Speaker 1","startTime":1753.24,"endTime":1753.24,"body":" "},{"speaker":"Speaker 1","startTime":1753.28,"endTime":1753.481,"body":"build"},{"speaker":"Speaker 1","startTime":1753.481,"endTime":1753.481,"body":" "},{"speaker":"Speaker 1","startTime":1753.521,"endTime":1753.983,"body":"accounts"},{"speaker":"Speaker 1","startTime":1753.983,"endTime":1753.983,"body":","},{"speaker":"Speaker 1","startTime":1753.983,"endTime":1753.983,"body":" "},{"speaker":"Speaker 1","startTime":1754.555,"endTime":1754.615,"body":"I"},{"speaker":"Speaker 1","startTime":1754.615,"endTime":1754.615,"body":" "},{"speaker":"Speaker 1","startTime":1754.635,"endTime":1754.736,"body":"think"},{"speaker":"Speaker 1","startTime":1754.736,"endTime":1754.736,"body":","},{"speaker":"Speaker 1","startTime":1754.736,"endTime":1754.736,"body":" "},{"speaker":"Speaker 1","startTime":1754.756,"endTime":1754.816,"body":"hey"},{"speaker":"Speaker 1","startTime":1754.816,"endTime":1754.816,"body":","},{"speaker":"Speaker 1","startTime":1754.816,"endTime":1754.816,"body":" "},{"speaker":"Speaker 1","startTime":1754.836,"endTime":1754.957,"body":"this"},{"speaker":"Speaker 1","startTime":1754.957,"endTime":1754.957,"body":" "},{"speaker":"Speaker 1","startTime":1754.977,"endTime":1755.017,"body":"is"},{"speaker":"Speaker 1","startTime":1755.017,"endTime":1755.017,"body":" "},{"speaker":"Speaker 1","startTime":1755.037,"endTime":1755.057,"body":"a"},{"speaker":"Speaker 1","startTime":1755.057,"endTime":1755.057,"body":" "},{"speaker":"Speaker 1","startTime":1755.078,"endTime":1755.238,"body":"really"},{"speaker":"Speaker 1","startTime":1755.238,"endTime":1755.238,"body":" "},{"speaker":"Speaker 1","startTime":1755.278,"endTime":1755.419,"body":"cool"},{"speaker":"Speaker 1","startTime":1755.419,"endTime":1755.419,"body":" "},{"speaker":"Speaker 1","startTime":1755.439,"endTime":1755.761,"body":"strategy"},{"speaker":"Speaker 1","startTime":1755.761,"endTime":1755.761,"body":"."},{"speaker":"Speaker 1","startTime":1755.761,"endTime":1755.761,"body":" "},{"speaker":"Speaker 1","startTime":1755.935,"endTime":1755.955,"body":"I"},{"speaker":"Speaker 1","startTime":1755.955,"endTime":1755.955,"body":" "},{"speaker":"Speaker 1","startTime":1755.975,"endTime":1756.055,"body":"like"},{"speaker":"Speaker 1","startTime":1756.055,"endTime":1756.055,"body":" "},{"speaker":"Speaker 1","startTime":1756.096,"endTime":1756.176,"body":"the"},{"speaker":"Speaker 1","startTime":1756.176,"endTime":1756.176,"body":" "},{"speaker":"Speaker 1","startTime":1756.216,"endTime":1756.417,"body":"light"},{"speaker":"Speaker 1","startTime":1756.417,"endTime":1756.417,"body":" "},{"speaker":"Speaker 1","startTime":1756.457,"endTime":1756.617,"body":"to"},{"speaker":"Speaker 1","startTime":1756.617,"endTime":1756.617,"body":" "},{"speaker":"Speaker 1","startTime":1756.938,"endTime":1757.079,"body":"be"},{"speaker":"Speaker 1","startTime":1757.079,"endTime":1757.079,"body":" "},{"speaker":"Speaker 1","startTime":1757.119,"endTime":1757.259,"body":"more"},{"speaker":"Speaker 1","startTime":1757.259,"endTime":1757.259,"body":" "},{"speaker":"Speaker 1","startTime":1757.299,"endTime":1757.54,"body":"tax"},{"speaker":"Speaker 1","startTime":1757.54,"endTime":1757.54,"body":" "},{"speaker":"Speaker 1","startTime":1757.6,"endTime":1757.962,"body":"efficient"},{"speaker":"Speaker 1","startTime":1757.962,"endTime":1757.962,"body":" "},{"speaker":"Speaker 1","startTime":1758.002,"endTime":1758.062,"body":"in"},{"speaker":"Speaker 1","startTime":1758.062,"endTime":1758.062,"body":" "},{"speaker":"Speaker 1","startTime":1758.082,"endTime":1758.202,"body":"my"},{"speaker":"Speaker 1","startTime":1758.202,"endTime":1758.202,"body":" "},{"speaker":"Speaker 1","startTime":1758.263,"endTime":1758.684,"body":"investing"},{"speaker":"Speaker 1","startTime":1758.684,"endTime":1758.684,"body":"."},{"speaker":"Speaker 1","startTime":1758.684,"endTime":1758.684,"body":" "},{"speaker":"Speaker 1","startTime":1759.095,"endTime":1759.155,"body":"It"},{"speaker":"Speaker 1","startTime":1759.155,"endTime":1759.155,"body":" "},{"speaker":"Speaker 1","startTime":1759.215,"endTime":1759.496,"body":"already"},{"speaker":"Speaker 1","startTime":1759.496,"endTime":1759.496,"body":" "},{"speaker":"Speaker 1","startTime":1759.557,"endTime":1760.098,"body":"exists"},{"speaker":"Speaker 1","startTime":1760.098,"endTime":1760.098,"body":" "},{"speaker":"Speaker 1","startTime":1760.841,"endTime":1760.901,"body":"in"},{"speaker":"Speaker 1","startTime":1760.901,"endTime":1760.901,"body":" "},{"speaker":"Speaker 1","startTime":1760.921,"endTime":1761.122,"body":"the"},{"speaker":"Speaker 1","startTime":1761.122,"endTime":1761.122,"body":" "},{"speaker":"Speaker 1","startTime":1761.222,"endTime":1761.684,"body":"ETF"},{"speaker":"Speaker 1","startTime":1761.684,"endTime":1761.684,"body":" "},{"speaker":"Speaker 1","startTime":1761.744,"endTime":1761.945,"body":"world"},{"speaker":"Speaker 1","startTime":1761.945,"endTime":1761.945,"body":","},{"speaker":"Speaker 1","startTime":1761.945,"endTime":1761.945,"body":" "},{"speaker":"Speaker 1","startTime":1762.115,"endTime":1762.195,"body":"just"},{"speaker":"Speaker 1","startTime":1762.195,"endTime":1762.195,"body":" "},{"speaker":"Speaker 1","startTime":1762.215,"endTime":1762.416,"body":"doesn't"},{"speaker":"Speaker 1","startTime":1762.416,"endTime":1762.416,"body":" "},{"speaker":"Speaker 1","startTime":1762.456,"endTime":1762.537,"body":"do"},{"speaker":"Speaker 1","startTime":1762.537,"endTime":1762.537,"body":" "},{"speaker":"Speaker 1","startTime":1762.577,"endTime":1762.617,"body":"it"},{"speaker":"Speaker 1","startTime":1762.617,"endTime":1762.617,"body":" "},{"speaker":"Speaker 1","startTime":1762.637,"endTime":1762.818,"body":"to"},{"speaker":"Speaker 1","startTime":1762.818,"endTime":1762.818,"body":" "},{"speaker":"Speaker 1","startTime":1763.199,"endTime":1763.3,"body":"be"},{"speaker":"Speaker 1","startTime":1763.3,"endTime":1763.3,"body":" "},{"speaker":"Speaker 1","startTime":1763.34,"endTime":1763.38,"body":"a"},{"speaker":"Speaker 1","startTime":1763.38,"endTime":1763.38,"body":" "},{"speaker":"Speaker 1","startTime":1763.42,"endTime":1763.661,"body":"direct"},{"speaker":"Speaker 1","startTime":1763.661,"endTime":1763.661,"body":" "},{"speaker":"Speaker 1","startTime":1763.701,"endTime":1764.143,"body":"indexing"},{"speaker":"Speaker 1","startTime":1764.143,"endTime":1764.143,"body":","},{"speaker":"Speaker 1","startTime":1764.143,"endTime":1764.143,"body":" "},{"speaker":"Speaker 1","startTime":1764.275,"endTime":1764.817,"body":"but"},{"speaker":"Speaker 1","startTime":1764.817,"endTime":1764.817,"body":" "},{"speaker":"Speaker 1","startTime":1764.958,"endTime":1765.098,"body":"we"},{"speaker":"Speaker 1","startTime":1765.098,"endTime":1765.098,"body":" "},{"speaker":"Speaker 1","startTime":1765.138,"endTime":1765.359,"body":"have"},{"speaker":"Speaker 1","startTime":1765.359,"endTime":1765.359,"body":" "},{"speaker":"Speaker 1","startTime":1765.46,"endTime":1765.681,"body":"three"},{"speaker":"Speaker 1","startTime":1765.681,"endTime":1765.681,"body":" "},{"speaker":"Speaker 1","startTime":1765.741,"endTime":1766.082,"body":"models"},{"speaker":"Speaker 1","startTime":1766.082,"endTime":1766.082,"body":"."},{"speaker":"Speaker 1","startTime":1766.082,"endTime":1766.082,"body":" "},{"speaker":"Speaker 1","startTime":1766.315,"endTime":1766.395,"body":"Then"},{"speaker":"Speaker 1","startTime":1766.395,"endTime":1766.395,"body":" "},{"speaker":"Speaker 1","startTime":1766.415,"endTime":1766.536,"body":"we're"},{"speaker":"Speaker 1","startTime":1766.536,"endTime":1766.536,"body":" "},{"speaker":"Speaker 1","startTime":1766.576,"endTime":1767.138,"body":"constantly"},{"speaker":"Speaker 1","startTime":1767.138,"endTime":1767.138,"body":" "},{"speaker":"Speaker 1","startTime":1767.619,"endTime":1767.779,"body":"able"},{"speaker":"Speaker 1","startTime":1767.779,"endTime":1767.779,"body":" "},{"speaker":"Speaker 1","startTime":1767.82,"endTime":1767.9,"body":"to"},{"speaker":"Speaker 1","startTime":1767.9,"endTime":1767.9,"body":" "},{"speaker":"Speaker 1","startTime":1767.98,"endTime":1768.201,"body":"move"},{"speaker":"Speaker 1","startTime":1768.201,"endTime":1768.201,"body":" "},{"speaker":"Speaker 1","startTime":1768.241,"endTime":1768.361,"body":"from"},{"speaker":"Speaker 1","startTime":1768.361,"endTime":1768.361,"body":" "},{"speaker":"Speaker 1","startTime":1768.421,"endTime":1768.702,"body":"model"},{"speaker":"Speaker 1","startTime":1768.702,"endTime":1768.702,"body":" "},{"speaker":"Speaker 1","startTime":1768.742,"endTime":1768.823,"body":"to"},{"speaker":"Speaker 1","startTime":1768.823,"endTime":1768.823,"body":" "},{"speaker":"Speaker 1","startTime":1768.883,"endTime":1769.224,"body":"model"},{"speaker":"Speaker 1","startTime":1769.224,"endTime":1769.224,"body":" "},{"speaker":"Speaker 1","startTime":1769.855,"endTime":1769.955,"body":"to"},{"speaker":"Speaker 1","startTime":1769.955,"endTime":1769.955,"body":" "},{"speaker":"Speaker 1","startTime":1770.056,"endTime":1770.417,"body":"harvest"},{"speaker":"Speaker 1","startTime":1770.417,"endTime":1770.417,"body":" "},{"speaker":"Speaker 1","startTime":1770.477,"endTime":1770.918,"body":"losses"},{"speaker":"Speaker 1","startTime":1770.918,"endTime":1770.918,"body":","},{"speaker":"Speaker 1","startTime":1770.918,"endTime":1770.918,"body":" "},{"speaker":"Speaker 1","startTime":1771.119,"endTime":1771.239,"body":"to"},{"speaker":"Speaker 1","startTime":1771.239,"endTime":1771.239,"body":" "},{"speaker":"Speaker 1","startTime":1771.259,"endTime":1771.64,"body":"create"},{"speaker":"Speaker 1","startTime":1771.64,"endTime":1771.64,"body":" "},{"speaker":"Speaker 1","startTime":1771.661,"endTime":1771.921,"body":"tax"},{"speaker":"Speaker 1","startTime":1771.921,"endTime":1771.921,"body":" "},{"speaker":"Speaker 1","startTime":1771.961,"endTime":1772.323,"body":"credits"},{"speaker":"Speaker 1","startTime":1772.323,"endTime":1772.323,"body":","},{"speaker":"Speaker 1","startTime":1772.323,"endTime":1772.323,"body":" "},{"speaker":"Speaker 1","startTime":1773.415,"endTime":1773.756,"body":"so"},{"speaker":"Speaker 1","startTime":1773.756,"endTime":1773.756,"body":" "},{"speaker":"Speaker 1","startTime":1773.917,"endTime":1774.017,"body":"it's"},{"speaker":"Speaker 1","startTime":1774.017,"endTime":1774.017,"body":" "},{"speaker":"Speaker 1","startTime":1774.057,"endTime":1774.318,"body":"already"},{"speaker":"Speaker 1","startTime":1774.318,"endTime":1774.318,"body":" "},{"speaker":"Speaker 1","startTime":1774.338,"endTime":1774.358,"body":"a"},{"speaker":"Speaker 1","startTime":1774.358,"endTime":1774.358,"body":" "},{"speaker":"Speaker 1","startTime":1774.418,"endTime":1774.619,"body":"part"},{"speaker":"Speaker 1","startTime":1774.619,"endTime":1774.619,"body":" "},{"speaker":"Speaker 1","startTime":1774.659,"endTime":1774.719,"body":"of"},{"speaker":"Speaker 1","startTime":1774.719,"endTime":1774.719,"body":" "},{"speaker":"Speaker 1","startTime":1774.78,"endTime":1774.88,"body":"our"},{"speaker":"Speaker 1","startTime":1774.88,"endTime":1774.88,"body":" "},{"speaker":"Speaker 1","startTime":1775.02,"endTime":1775.321,"body":"everyday"},{"speaker":"Speaker 1","startTime":1775.321,"endTime":1775.321,"body":" "},{"speaker":"Speaker 1","startTime":1775.362,"endTime":1775.803,"body":"process"},{"speaker":"Speaker 1","startTime":1775.803,"endTime":1775.803,"body":"."},{"speaker":"Speaker 1","startTime":1775.803,"endTime":1775.803,"body":" "},{"speaker":"Speaker 1","startTime":1776.335,"endTime":1776.516,"body":"This"},{"speaker":"Speaker 1","startTime":1776.516,"endTime":1776.516,"body":" "},{"speaker":"Speaker 1","startTime":1776.576,"endTime":1776.757,"body":"just"},{"speaker":"Speaker 1","startTime":1776.757,"endTime":1776.757,"body":" "},{"speaker":"Speaker 1","startTime":1776.777,"endTime":1776.997,"body":"takes"},{"speaker":"Speaker 1","startTime":1776.997,"endTime":1776.997,"body":" "},{"speaker":"Speaker 1","startTime":1777.058,"endTime":1777.118,"body":"it"},{"speaker":"Speaker 1","startTime":1777.118,"endTime":1777.118,"body":" "},{"speaker":"Speaker 1","startTime":1777.158,"endTime":1777.298,"body":"to"},{"speaker":"Speaker 1","startTime":1777.298,"endTime":1777.298,"body":" "},{"speaker":"Speaker 1","startTime":1777.339,"endTime":1777.399,"body":"a"},{"speaker":"Speaker 1","startTime":1777.399,"endTime":1777.399,"body":" "},{"speaker":"Speaker 1","startTime":1777.459,"endTime":1777.64,"body":"whole"},{"speaker":"Speaker 1","startTime":1777.64,"endTime":1777.64,"body":" "},{"speaker":"Speaker 1","startTime":1777.66,"endTime":1777.961,"body":"different"},{"speaker":"Speaker 1","startTime":1777.961,"endTime":1777.961,"body":" "},{"speaker":"Speaker 1","startTime":1778.021,"endTime":1778.302,"body":"level"},{"speaker":"Speaker 1","startTime":1778.302,"endTime":1778.302,"body":" "},{"speaker":"Speaker 1","startTime":1779.095,"endTime":1779.195,"body":"for"},{"speaker":"Speaker 1","startTime":1779.195,"endTime":1779.195,"body":" "},{"speaker":"Speaker 1","startTime":1779.215,"endTime":1779.496,"body":"those"},{"speaker":"Speaker 1","startTime":1779.496,"endTime":1779.496,"body":" "},{"speaker":"Speaker 1","startTime":1779.596,"endTime":1780.058,"body":"with"},{"speaker":"Speaker 1","startTime":1780.058,"endTime":1780.058,"body":" "},{"speaker":"Speaker 1","startTime":1780.098,"endTime":1780.339,"body":"enough"},{"speaker":"Speaker 1","startTime":1780.339,"endTime":1780.339,"body":" "},{"speaker":"Speaker 1","startTime":1781.081,"endTime":1781.382,"body":"assets"},{"speaker":"Speaker 1","startTime":1781.382,"endTime":1781.382,"body":" "},{"speaker":"Speaker 1","startTime":1781.422,"endTime":1781.502,"body":"to"},{"speaker":"Speaker 1","startTime":1781.502,"endTime":1781.502,"body":" "},{"speaker":"Speaker 1","startTime":1781.522,"endTime":1781.602,"body":"be"},{"speaker":"Speaker 1","startTime":1781.602,"endTime":1781.602,"body":" "},{"speaker":"Speaker 1","startTime":1781.642,"endTime":1781.783,"body":"able"},{"speaker":"Speaker 1","startTime":1781.783,"endTime":1781.783,"body":" "},{"speaker":"Speaker 1","startTime":1781.803,"endTime":1781.863,"body":"to"},{"speaker":"Speaker 1","startTime":1781.863,"endTime":1781.863,"body":" "},{"speaker":"Speaker 1","startTime":1781.903,"endTime":1782.023,"body":"make"},{"speaker":"Speaker 1","startTime":1782.023,"endTime":1782.023,"body":" "},{"speaker":"Speaker 1","startTime":1782.064,"endTime":1782.104,"body":"it"},{"speaker":"Speaker 1","startTime":1782.104,"endTime":1782.104,"body":" "},{"speaker":"Speaker 1","startTime":1782.144,"endTime":1782.565,"body":"worthwhile"},{"speaker":"Speaker 1","startTime":1782.565,"endTime":1782.565,"body":"."},{"speaker":"Speaker 1","startTime":1782.565,"endTime":1782.565,"body":" "},{"speaker":"Speaker 1","startTime":1782.565,"endTime":1782.565,"body":"\n"},{"speaker":"Speaker 2","startTime":1783.055,"endTime":1783.196,"body":"Right"},{"speaker":"Speaker 2","startTime":1783.196,"endTime":1783.196,"body":" "},{"speaker":"Speaker 2","startTime":1783.236,"endTime":1783.336,"body":"and"},{"speaker":"Speaker 2","startTime":1783.336,"endTime":1783.336,"body":" "},{"speaker":"Speaker 2","startTime":1783.376,"endTime":1783.677,"body":"again"},{"speaker":"Speaker 2","startTime":1783.677,"endTime":1783.677,"body":" "},{"speaker":"Speaker 2","startTime":1783.878,"endTime":1783.978,"body":"you"},{"speaker":"Speaker 2","startTime":1783.978,"endTime":1783.978,"body":" "},{"speaker":"Speaker 2","startTime":1784.018,"endTime":1784.159,"body":"know"},{"speaker":"Speaker 2","startTime":1784.159,"endTime":1784.159,"body":","},{"speaker":"Speaker 2","startTime":1784.159,"endTime":1784.159,"body":" "},{"speaker":"Speaker 2","startTime":1784.199,"endTime":1784.34,"body":"like"},{"speaker":"Speaker 2","startTime":1784.34,"endTime":1784.34,"body":" "},{"speaker":"Speaker 2","startTime":1784.48,"endTime":1785.343,"body":"2023"},{"speaker":"Speaker 2","startTime":1785.343,"endTime":1785.343,"body":","},{"speaker":"Speaker 2","startTime":1785.343,"endTime":1785.343,"body":" "},{"speaker":"Speaker 2","startTime":1785.695,"endTime":1785.755,"body":"the"},{"speaker":"Speaker 2","startTime":1785.755,"endTime":1785.755,"body":" "},{"speaker":"Speaker 2","startTime":1785.775,"endTime":1786.277,"body":"SP500"},{"speaker":"Speaker 2","startTime":1786.277,"endTime":1786.277,"body":" "},{"speaker":"Speaker 2","startTime":1786.317,"endTime":1786.437,"body":"was"},{"speaker":"Speaker 2","startTime":1786.437,"endTime":1786.437,"body":" "},{"speaker":"Speaker 2","startTime":1786.497,"endTime":1786.597,"body":"up"},{"speaker":"Speaker 2","startTime":1786.597,"endTime":1786.597,"body":" "},{"speaker":"Speaker 2","startTime":1786.678,"endTime":1788.242,"body":"26.5%"},{"speaker":"Speaker 2","startTime":1788.242,"endTime":1788.242,"body":"."},{"speaker":"Speaker 2","startTime":1788.242,"endTime":1788.242,"body":" "},{"speaker":"Speaker 2","startTime":1788.462,"endTime":1788.723,"body":"Whatever"},{"speaker":"Speaker 2","startTime":1788.723,"endTime":1788.723,"body":" "},{"speaker":"Speaker 2","startTime":1788.743,"endTime":1788.783,"body":"it"},{"speaker":"Speaker 2","startTime":1788.783,"endTime":1788.783,"body":" "},{"speaker":"Speaker 2","startTime":1788.823,"endTime":1789.024,"body":"was"},{"speaker":"Speaker 2","startTime":1789.024,"endTime":1789.024,"body":","},{"speaker":"Speaker 2","startTime":1789.024,"endTime":1789.024,"body":" "},{"speaker":"Speaker 2","startTime":1790.175,"endTime":1790.255,"body":"you"},{"speaker":"Speaker 2","startTime":1790.255,"endTime":1790.255,"body":" "},{"speaker":"Speaker 2","startTime":1790.315,"endTime":1790.717,"body":"couldn't"},{"speaker":"Speaker 2","startTime":1790.717,"endTime":1790.717,"body":" "},{"speaker":"Speaker 2","startTime":1790.917,"endTime":1791.138,"body":"tax"},{"speaker":"Speaker 2","startTime":1791.138,"endTime":1791.138,"body":" "},{"speaker":"Speaker 2","startTime":1791.158,"endTime":1791.358,"body":"loss"},{"speaker":"Speaker 2","startTime":1791.358,"endTime":1791.358,"body":"."},{"speaker":"Speaker 2","startTime":1791.358,"endTime":1791.358,"body":" "},{"speaker":"Speaker 2","startTime":1791.378,"endTime":1791.84,"body":"Harvest"},{"speaker":"Speaker 2","startTime":1791.84,"endTime":1791.84,"body":" "},{"speaker":"Speaker 2","startTime":1792.361,"endTime":1792.502,"body":"our"},{"speaker":"Speaker 2","startTime":1792.502,"endTime":1792.502,"body":" "},{"speaker":"Speaker 2","startTime":1793.043,"endTime":1793.464,"body":"SP500"},{"speaker":"Speaker 2","startTime":1793.464,"endTime":1793.464,"body":"."},{"speaker":"Speaker 2","startTime":1793.464,"endTime":1793.464,"body":" "},{"speaker":"Speaker 2","startTime":1793.525,"endTime":1793.645,"body":"Etf"},{"speaker":"Speaker 2","startTime":1793.645,"endTime":1793.645,"body":" "},{"speaker":"Speaker 2","startTime":1794.255,"endTime":1794.456,"body":"but"},{"speaker":"Speaker 2","startTime":1794.456,"endTime":1794.456,"body":" "},{"speaker":"Speaker 2","startTime":1794.616,"endTime":1794.757,"body":"with"},{"speaker":"Speaker 2","startTime":1794.757,"endTime":1794.757,"body":" "},{"speaker":"Speaker 2","startTime":1794.797,"endTime":1795.018,"body":"direct"},{"speaker":"Speaker 2","startTime":1795.018,"endTime":1795.018,"body":" "},{"speaker":"Speaker 2","startTime":1795.058,"endTime":1795.6,"body":"indexing"},{"speaker":"Speaker 2","startTime":1795.6,"endTime":1795.6,"body":"."},{"speaker":"Speaker 2","startTime":1795.6,"endTime":1795.6,"body":" "},{"speaker":"Speaker 2","startTime":1796.575,"endTime":1796.655,"body":"You"},{"speaker":"Speaker 2","startTime":1796.655,"endTime":1796.655,"body":" "},{"speaker":"Speaker 2","startTime":1796.675,"endTime":1796.796,"body":"know"},{"speaker":"Speaker 2","startTime":1796.796,"endTime":1796.796,"body":" "},{"speaker":"Speaker 2","startTime":1796.836,"endTime":1796.937,"body":"how"},{"speaker":"Speaker 2","startTime":1796.937,"endTime":1796.937,"body":" "},{"speaker":"Speaker 2","startTime":1796.977,"endTime":1797.097,"body":"many"},{"speaker":"Speaker 2","startTime":1797.097,"endTime":1797.097,"body":" "},{"speaker":"Speaker 2","startTime":1797.137,"endTime":1797.318,"body":"ever"},{"speaker":"Speaker 2","startTime":1797.318,"endTime":1797.318,"body":" "},{"speaker":"Speaker 2","startTime":1797.338,"endTime":1797.679,"body":"stocks"},{"speaker":"Speaker 2","startTime":1797.679,"endTime":1797.679,"body":" "},{"speaker":"Speaker 2","startTime":1797.92,"endTime":1798.061,"body":"were"},{"speaker":"Speaker 2","startTime":1798.061,"endTime":1798.061,"body":" "},{"speaker":"Speaker 2","startTime":1798.081,"endTime":1798.302,"body":"down"},{"speaker":"Speaker 2","startTime":1798.302,"endTime":1798.302,"body":" "},{"speaker":"Speaker 2","startTime":1798.322,"endTime":1798.402,"body":"that"},{"speaker":"Speaker 2","startTime":1798.402,"endTime":1798.402,"body":" "},{"speaker":"Speaker 2","startTime":1798.422,"endTime":1798.523,"body":"year"},{"speaker":"Speaker 2","startTime":1798.523,"endTime":1798.523,"body":"."},{"speaker":"Speaker 2","startTime":1798.523,"endTime":1798.523,"body":" "},{"speaker":"Speaker 2","startTime":1798.595,"endTime":1798.615,"body":"I"},{"speaker":"Speaker 2","startTime":1798.615,"endTime":1798.615,"body":" "},{"speaker":"Speaker 2","startTime":1798.635,"endTime":1798.817,"body":"think"},{"speaker":"Speaker 2","startTime":1798.817,"endTime":1798.817,"body":" "},{"speaker":"Speaker 2","startTime":1798.838,"endTime":1798.919,"body":"you"},{"speaker":"Speaker 2","startTime":1798.919,"endTime":1798.919,"body":" "},{"speaker":"Speaker 2","startTime":1798.939,"endTime":1799.06,"body":"know"},{"speaker":"Speaker 2","startTime":1799.06,"endTime":1799.06,"body":"."},{"speaker":"Speaker 2","startTime":1799.06,"endTime":1799.06,"body":" "},{"speaker":"Speaker 2","startTime":1799.06,"endTime":1799.06,"body":"\n"},{"speaker":"Speaker 1","startTime":1799.667,"endTime":1799.728,"body":"I"},{"speaker":"Speaker 1","startTime":1799.728,"endTime":1799.728,"body":" "},{"speaker":"Speaker 1","startTime":1799.748,"endTime":1799.869,"body":"can't"},{"speaker":"Speaker 1","startTime":1799.869,"endTime":1799.869,"body":" "},{"speaker":"Speaker 1","startTime":1799.889,"endTime":1800.031,"body":"really"},{"speaker":"Speaker 1","startTime":1800.031,"endTime":1800.031,"body":" "},{"speaker":"Speaker 1","startTime":1800.051,"endTime":1800.213,"body":"exactly"},{"speaker":"Speaker 1","startTime":1800.213,"endTime":1800.213,"body":" "},{"speaker":"Speaker 1","startTime":1800.233,"endTime":1800.395,"body":"remember"},{"speaker":"Speaker 1","startTime":1800.395,"endTime":1800.395,"body":"."},{"speaker":"Speaker 1","startTime":1800.395,"endTime":1800.395,"body":" "},{"speaker":"Speaker 1","startTime":1800.395,"endTime":1800.415,"body":"I"},{"speaker":"Speaker 1","startTime":1800.415,"endTime":1800.415,"body":" "},{"speaker":"Speaker 1","startTime":1800.435,"endTime":1800.536,"body":"think"},{"speaker":"Speaker 1","startTime":1800.536,"endTime":1800.536,"body":" "},{"speaker":"Speaker 1","startTime":1800.556,"endTime":1800.596,"body":"it"},{"speaker":"Speaker 1","startTime":1800.596,"endTime":1800.596,"body":" "},{"speaker":"Speaker 1","startTime":1800.616,"endTime":1800.676,"body":"was"},{"speaker":"Speaker 1","startTime":1800.676,"endTime":1800.676,"body":" "},{"speaker":"Speaker 1","startTime":1800.696,"endTime":1800.757,"body":"all"},{"speaker":"Speaker 1","startTime":1800.757,"endTime":1800.757,"body":" "},{"speaker":"Speaker 1","startTime":1800.777,"endTime":1800.817,"body":"of"},{"speaker":"Speaker 1","startTime":1800.817,"endTime":1800.817,"body":" "},{"speaker":"Speaker 1","startTime":1800.837,"endTime":1800.938,"body":"them"},{"speaker":"Speaker 1","startTime":1800.938,"endTime":1800.938,"body":","},{"speaker":"Speaker 1","startTime":1800.938,"endTime":1800.938,"body":" "},{"speaker":"Speaker 1","startTime":1800.958,"endTime":1801.078,"body":"but"},{"speaker":"Speaker 1","startTime":1801.078,"endTime":1801.078,"body":" "},{"speaker":"Speaker 1","startTime":1801.159,"endTime":1801.48,"body":"seven"},{"speaker":"Speaker 1","startTime":1801.48,"endTime":1801.48,"body":","},{"speaker":"Speaker 1","startTime":1801.48,"endTime":1801.48,"body":" "},{"speaker":"Speaker 1","startTime":1801.655,"endTime":1801.796,"body":"yeah"},{"speaker":"Speaker 1","startTime":1801.796,"endTime":1801.796,"body":","},{"speaker":"Speaker 1","startTime":1801.796,"endTime":1801.796,"body":" "},{"speaker":"Speaker 1","startTime":1801.856,"endTime":1802.238,"body":"exactly"},{"speaker":"Speaker 1","startTime":1802.238,"endTime":1802.238,"body":"."},{"speaker":"Speaker 1","startTime":1802.238,"endTime":1802.238,"body":" "},{"speaker":"Speaker 1","startTime":1802.238,"endTime":1802.238,"body":"\n"},{"speaker":"Speaker 2","startTime":1803.055,"endTime":1803.115,"body":"It"},{"speaker":"Speaker 2","startTime":1803.115,"endTime":1803.115,"body":" "},{"speaker":"Speaker 2","startTime":1803.135,"endTime":1803.256,"body":"might"},{"speaker":"Speaker 2","startTime":1803.256,"endTime":1803.256,"body":" "},{"speaker":"Speaker 2","startTime":1803.276,"endTime":1803.376,"body":"have"},{"speaker":"Speaker 2","startTime":1803.376,"endTime":1803.376,"body":" "},{"speaker":"Speaker 2","startTime":1803.396,"endTime":1803.516,"body":"been"},{"speaker":"Speaker 2","startTime":1803.516,"endTime":1803.516,"body":" "},{"speaker":"Speaker 2","startTime":1803.537,"endTime":1803.998,"body":"yeah"},{"speaker":"Speaker 2","startTime":1803.998,"endTime":1803.998,"body":" "},{"speaker":"Speaker 2","startTime":1804.138,"endTime":1804.379,"body":"outside"},{"speaker":"Speaker 2","startTime":1804.379,"endTime":1804.379,"body":" "},{"speaker":"Speaker 2","startTime":1804.399,"endTime":1804.479,"body":"of"},{"speaker":"Speaker 2","startTime":1804.479,"endTime":1804.479,"body":" "},{"speaker":"Speaker 2","startTime":1804.499,"endTime":1804.66,"body":"the"},{"speaker":"Speaker 2","startTime":1804.66,"endTime":1804.66,"body":" "},{"speaker":"Speaker 2","startTime":1804.7,"endTime":1805.262,"body":"AI7"},{"speaker":"Speaker 2","startTime":1805.262,"endTime":1805.262,"body":","},{"speaker":"Speaker 2","startTime":1805.262,"endTime":1805.262,"body":" "},{"speaker":"Speaker 2","startTime":1806.635,"endTime":1806.695,"body":"you"},{"speaker":"Speaker 2","startTime":1806.695,"endTime":1806.695,"body":" "},{"speaker":"Speaker 2","startTime":1806.715,"endTime":1806.796,"body":"know"},{"speaker":"Speaker 2","startTime":1806.796,"endTime":1806.796,"body":" "},{"speaker":"Speaker 2","startTime":1806.816,"endTime":1806.856,"body":"it"},{"speaker":"Speaker 2","startTime":1806.856,"endTime":1806.856,"body":" "},{"speaker":"Speaker 2","startTime":1806.876,"endTime":1806.976,"body":"could"},{"speaker":"Speaker 2","startTime":1806.976,"endTime":1806.976,"body":" "},{"speaker":"Speaker 2","startTime":1806.996,"endTime":1807.077,"body":"have"},{"speaker":"Speaker 2","startTime":1807.077,"endTime":1807.077,"body":" "},{"speaker":"Speaker 2","startTime":1807.097,"endTime":1807.277,"body":"been"},{"speaker":"Speaker 2","startTime":1807.277,"endTime":1807.277,"body":" "},{"speaker":"Speaker 2","startTime":1807.558,"endTime":1808.642,"body":"480"},{"speaker":"Speaker 2","startTime":1808.642,"endTime":1808.642,"body":","},{"speaker":"Speaker 2","startTime":1808.642,"endTime":1808.642,"body":" "},{"speaker":"Speaker 2","startTime":1808.662,"endTime":1808.924,"body":"whatever"},{"speaker":"Speaker 2","startTime":1808.924,"endTime":1808.924,"body":" "},{"speaker":"Speaker 2","startTime":1809.337,"endTime":1809.477,"body":"we'll"},{"speaker":"Speaker 2","startTime":1809.477,"endTime":1809.477,"body":" "},{"speaker":"Speaker 2","startTime":1809.497,"endTime":1809.598,"body":"throw"},{"speaker":"Speaker 2","startTime":1809.598,"endTime":1809.598,"body":" "},{"speaker":"Speaker 2","startTime":1809.618,"endTime":1809.678,"body":"in"},{"speaker":"Speaker 2","startTime":1809.678,"endTime":1809.678,"body":" "},{"speaker":"Speaker 2","startTime":1809.698,"endTime":1809.718,"body":"a"},{"speaker":"Speaker 2","startTime":1809.718,"endTime":1809.718,"body":" "},{"speaker":"Speaker 2","startTime":1809.758,"endTime":1809.959,"body":"number"},{"speaker":"Speaker 2","startTime":1809.959,"endTime":1809.959,"body":" "},{"speaker":"Speaker 2","startTime":1810.0,"endTime":1810.1,"body":"out"},{"speaker":"Speaker 2","startTime":1810.1,"endTime":1810.1,"body":" "},{"speaker":"Speaker 2","startTime":1810.12,"endTime":1810.261,"body":"there"},{"speaker":"Speaker 2","startTime":1810.261,"endTime":1810.261,"body":"."},{"speaker":"Speaker 2","startTime":1810.261,"endTime":1810.261,"body":" "},{"speaker":"Speaker 2","startTime":1810.355,"endTime":1810.516,"body":"But"},{"speaker":"Speaker 2","startTime":1810.516,"endTime":1810.516,"body":" "},{"speaker":"Speaker 2","startTime":1811.118,"endTime":1811.238,"body":"you"},{"speaker":"Speaker 2","startTime":1811.238,"endTime":1811.238,"body":" "},{"speaker":"Speaker 2","startTime":1811.258,"endTime":1811.439,"body":"could"},{"speaker":"Speaker 2","startTime":1811.439,"endTime":1811.439,"body":" "},{"speaker":"Speaker 2","startTime":1811.479,"endTime":1811.62,"body":"have"},{"speaker":"Speaker 2","startTime":1811.62,"endTime":1811.62,"body":","},{"speaker":"Speaker 2","startTime":1811.62,"endTime":1811.62,"body":" "},{"speaker":"Speaker 2","startTime":1811.84,"endTime":1812.001,"body":"you"},{"speaker":"Speaker 2","startTime":1812.001,"endTime":1812.001,"body":" "},{"speaker":"Speaker 2","startTime":1812.061,"endTime":1812.302,"body":"know"},{"speaker":"Speaker 2","startTime":1812.302,"endTime":1812.302,"body":","},{"speaker":"Speaker 2","startTime":1812.302,"endTime":1812.302,"body":" "},{"speaker":"Speaker 2","startTime":1812.935,"endTime":1813.236,"body":"realized"},{"speaker":"Speaker 2","startTime":1813.236,"endTime":1813.236,"body":" "},{"speaker":"Speaker 2","startTime":1813.256,"endTime":1813.357,"body":"some"},{"speaker":"Speaker 2","startTime":1813.357,"endTime":1813.357,"body":" "},{"speaker":"Speaker 2","startTime":1813.397,"endTime":1813.838,"body":"losses"},{"speaker":"Speaker 2","startTime":1813.838,"endTime":1813.838,"body":" "},{"speaker":"Speaker 2","startTime":1814.36,"endTime":1814.561,"body":"with"},{"speaker":"Speaker 2","startTime":1814.561,"endTime":1814.561,"body":" "},{"speaker":"Speaker 2","startTime":1814.621,"endTime":1814.842,"body":"direct"},{"speaker":"Speaker 2","startTime":1814.842,"endTime":1814.842,"body":" "},{"speaker":"Speaker 2","startTime":1814.882,"endTime":1815.344,"body":"indexing"},{"speaker":"Speaker 2","startTime":1815.344,"endTime":1815.344,"body":" "},{"speaker":"Speaker 2","startTime":1815.475,"endTime":1815.575,"body":"so"},{"speaker":"Speaker 2","startTime":1815.575,"endTime":1815.575,"body":" "},{"speaker":"Speaker 2","startTime":1815.596,"endTime":1815.656,"body":"you"},{"speaker":"Speaker 2","startTime":1815.656,"endTime":1815.656,"body":" "},{"speaker":"Speaker 2","startTime":1815.676,"endTime":1815.776,"body":"could"},{"speaker":"Speaker 2","startTime":1815.776,"endTime":1815.776,"body":" "},{"speaker":"Speaker 2","startTime":1815.796,"endTime":1815.877,"body":"have"},{"speaker":"Speaker 2","startTime":1815.877,"endTime":1815.877,"body":" "},{"speaker":"Speaker 2","startTime":1816.399,"endTime":1816.539,"body":"had"},{"speaker":"Speaker 2","startTime":1816.539,"endTime":1816.539,"body":" "},{"speaker":"Speaker 2","startTime":1816.579,"endTime":1816.7,"body":"some"},{"speaker":"Speaker 2","startTime":1816.7,"endTime":1816.7,"body":" "},{"speaker":"Speaker 2","startTime":1816.72,"endTime":1816.941,"body":"tax"},{"speaker":"Speaker 2","startTime":1816.941,"endTime":1816.941,"body":" "},{"speaker":"Speaker 2","startTime":1816.961,"endTime":1817.302,"body":"benefits"},{"speaker":"Speaker 2","startTime":1817.302,"endTime":1817.302,"body":" "},{"speaker":"Speaker 2","startTime":1817.322,"endTime":1817.462,"body":"there"},{"speaker":"Speaker 2","startTime":1817.462,"endTime":1817.462,"body":"."},{"speaker":"Speaker 2","startTime":1817.462,"endTime":1817.462,"body":" "},{"speaker":"Speaker 2","startTime":1817.462,"endTime":1817.462,"body":"\n"},{"speaker":"Speaker 1","startTime":1817.875,"endTime":1818.297,"body":"Absolutely"},{"speaker":"Speaker 1","startTime":1818.297,"endTime":1818.297,"body":" "},{"speaker":"Speaker 1","startTime":1819.135,"endTime":1819.717,"body":"Well"},{"speaker":"Speaker 1","startTime":1819.717,"endTime":1819.717,"body":","},{"speaker":"Speaker 1","startTime":1819.717,"endTime":1819.717,"body":" "},{"speaker":"Speaker 1","startTime":1819.757,"endTime":1819.918,"body":"king"},{"speaker":"Speaker 1","startTime":1819.918,"endTime":1819.918,"body":" "},{"speaker":"Speaker 1","startTime":1819.938,"endTime":1819.998,"body":"of"},{"speaker":"Speaker 1","startTime":1819.998,"endTime":1819.998,"body":" "},{"speaker":"Speaker 1","startTime":1820.018,"endTime":1820.299,"body":"data"},{"speaker":"Speaker 1","startTime":1820.299,"endTime":1820.299,"body":"."},{"speaker":"Speaker 1","startTime":1820.299,"endTime":1820.299,"body":" "},{"speaker":"Speaker 1","startTime":1820.54,"endTime":1820.721,"body":"Thank"},{"speaker":"Speaker 1","startTime":1820.721,"endTime":1820.721,"body":" "},{"speaker":"Speaker 1","startTime":1820.761,"endTime":1820.861,"body":"you"},{"speaker":"Speaker 1","startTime":1820.861,"endTime":1820.861,"body":" "},{"speaker":"Speaker 1","startTime":1820.901,"endTime":1821.001,"body":"for"},{"speaker":"Speaker 1","startTime":1821.001,"endTime":1821.001,"body":" "},{"speaker":"Speaker 1","startTime":1821.042,"endTime":1821.242,"body":"coming"},{"speaker":"Speaker 1","startTime":1821.242,"endTime":1821.242,"body":" "},{"speaker":"Speaker 1","startTime":1821.262,"endTime":1821.443,"body":"back"},{"speaker":"Speaker 1","startTime":1821.443,"endTime":1821.443,"body":" "},{"speaker":"Speaker 1","startTime":1821.604,"endTime":1821.684,"body":"on"},{"speaker":"Speaker 1","startTime":1821.684,"endTime":1821.684,"body":" "},{"speaker":"Speaker 1","startTime":1822.216,"endTime":1822.377,"body":"and"},{"speaker":"Speaker 1","startTime":1822.377,"endTime":1822.377,"body":" "},{"speaker":"Speaker 1","startTime":1822.437,"endTime":1822.778,"body":"talking"},{"speaker":"Speaker 1","startTime":1822.778,"endTime":1822.778,"body":" "},{"speaker":"Speaker 1","startTime":1822.818,"endTime":1823.119,"body":"about"},{"speaker":"Speaker 1","startTime":1823.119,"endTime":1823.119,"body":" "},{"speaker":"Speaker 1","startTime":1823.761,"endTime":1823.902,"body":"all"},{"speaker":"Speaker 1","startTime":1823.902,"endTime":1823.902,"body":" "},{"speaker":"Speaker 1","startTime":1823.942,"endTime":1824.123,"body":"this"},{"speaker":"Speaker 1","startTime":1824.123,"endTime":1824.123,"body":"."},{"speaker":"Speaker 1","startTime":1824.123,"endTime":1824.123,"body":" "},{"speaker":"Speaker 1","startTime":1824.755,"endTime":1824.855,"body":"We"},{"speaker":"Speaker 1","startTime":1824.855,"endTime":1824.855,"body":" "},{"speaker":"Speaker 1","startTime":1824.895,"endTime":1825.016,"body":"do"},{"speaker":"Speaker 1","startTime":1825.016,"endTime":1825.016,"body":" "},{"speaker":"Speaker 1","startTime":1825.056,"endTime":1825.176,"body":"have"},{"speaker":"Speaker 1","startTime":1825.176,"endTime":1825.176,"body":" "},{"speaker":"Speaker 1","startTime":1825.217,"endTime":1825.237,"body":"a"},{"speaker":"Speaker 1","startTime":1825.237,"endTime":1825.237,"body":" "},{"speaker":"Speaker 1","startTime":1825.297,"endTime":1825.598,"body":"couple"},{"speaker":"Speaker 1","startTime":1825.598,"endTime":1825.598,"body":" "},{"speaker":"Speaker 1","startTime":1825.658,"endTime":1825.718,"body":"of"},{"speaker":"Speaker 1","startTime":1825.718,"endTime":1825.718,"body":" "},{"speaker":"Speaker 1","startTime":1825.798,"endTime":1826.4,"body":"episodes"},{"speaker":"Speaker 1","startTime":1826.4,"endTime":1826.4,"body":" "},{"speaker":"Speaker 1","startTime":1828.126,"endTime":1828.306,"body":"where"},{"speaker":"Speaker 1","startTime":1828.306,"endTime":1828.306,"body":" "},{"speaker":"Speaker 1","startTime":1828.347,"endTime":1828.748,"body":"we"},{"speaker":"Speaker 1","startTime":1828.748,"endTime":1828.748,"body":" "},{"speaker":"Speaker 1","startTime":1829.25,"endTime":1829.471,"body":"touch"},{"speaker":"Speaker 1","startTime":1829.471,"endTime":1829.471,"body":" "},{"speaker":"Speaker 1","startTime":1829.511,"endTime":1829.552,"body":"on"},{"speaker":"Speaker 1","startTime":1829.552,"endTime":1829.552,"body":" "},{"speaker":"Speaker 1","startTime":1829.592,"endTime":1829.712,"body":"this"},{"speaker":"Speaker 1","startTime":1829.712,"endTime":1829.712,"body":" "},{"speaker":"Speaker 1","startTime":1829.752,"endTime":1829.773,"body":"a"},{"speaker":"Speaker 1","startTime":1829.773,"endTime":1829.773,"body":" "},{"speaker":"Speaker 1","startTime":1829.813,"endTime":1830.034,"body":"little"},{"speaker":"Speaker 1","startTime":1830.034,"endTime":1830.034,"body":" "},{"speaker":"Speaker 1","startTime":1830.054,"endTime":1830.295,"body":"bit"},{"speaker":"Speaker 1","startTime":1830.295,"endTime":1830.295,"body":" "},{"speaker":"Speaker 1","startTime":1830.596,"endTime":1830.817,"body":"tax"},{"speaker":"Speaker 1","startTime":1830.817,"endTime":1830.817,"body":" "},{"speaker":"Speaker 1","startTime":1830.877,"endTime":1831.138,"body":"planning"},{"speaker":"Speaker 1","startTime":1831.138,"endTime":1831.138,"body":" "},{"speaker":"Speaker 1","startTime":1831.158,"endTime":1831.58,"body":"strategies"},{"speaker":"Speaker 1","startTime":1831.58,"endTime":1831.58,"body":" "},{"speaker":"Speaker 1","startTime":1831.62,"endTime":1831.701,"body":"for"},{"speaker":"Speaker 1","startTime":1831.701,"endTime":1831.701,"body":" "},{"speaker":"Speaker 1","startTime":1831.721,"endTime":1831.861,"body":"high"},{"speaker":"Speaker 1","startTime":1831.861,"endTime":1831.861,"body":" "},{"speaker":"Speaker 1","startTime":1831.901,"endTime":1832.042,"body":"net"},{"speaker":"Speaker 1","startTime":1832.042,"endTime":1832.042,"body":" "},{"speaker":"Speaker 1","startTime":1832.062,"endTime":1832.243,"body":"worth"},{"speaker":"Speaker 1","startTime":1832.243,"endTime":1832.243,"body":" "},{"speaker":"Speaker 1","startTime":1832.283,"endTime":1832.745,"body":"individuals"},{"speaker":"Speaker 1","startTime":1832.745,"endTime":1832.745,"body":" "},{"speaker":"Speaker 1","startTime":1832.865,"endTime":1833.126,"body":"episode"},{"speaker":"Speaker 1","startTime":1833.126,"endTime":1833.126,"body":" "},{"speaker":"Speaker 1","startTime":1833.146,"endTime":1833.969,"body":"152"},{"speaker":"Speaker 1","startTime":1833.969,"endTime":1833.969,"body":","},{"speaker":"Speaker 1","startTime":1833.969,"endTime":1833.969,"body":" "},{"speaker":"Speaker 1","startTime":1833.989,"endTime":1834.149,"body":"episode"},{"speaker":"Speaker 1","startTime":1834.149,"endTime":1834.149,"body":" "},{"speaker":"Speaker 1","startTime":1834.169,"endTime":1835.694,"body":"175"},{"speaker":"Speaker 1","startTime":1835.694,"endTime":1835.694,"body":","},{"speaker":"Speaker 1","startTime":1835.694,"endTime":1835.694,"body":" "},{"speaker":"Speaker 1","startTime":1835.754,"endTime":1836.075,"body":"passing"},{"speaker":"Speaker 1","startTime":1836.075,"endTime":1836.075,"body":" "},{"speaker":"Speaker 1","startTime":1836.115,"endTime":1836.296,"body":"Down"},{"speaker":"Speaker 1","startTime":1836.296,"endTime":1836.296,"body":" "},{"speaker":"Speaker 1","startTime":1836.336,"endTime":1836.858,"body":"Generational"},{"speaker":"Speaker 1","startTime":1836.858,"endTime":1836.858,"body":" "},{"speaker":"Speaker 1","startTime":1836.898,"endTime":1837.179,"body":"Wealth"},{"speaker":"Speaker 1","startTime":1837.179,"endTime":1837.179,"body":"."},{"speaker":"Speaker 1","startTime":1837.179,"endTime":1837.179,"body":" "},{"speaker":"Speaker 1","startTime":1837.941,"endTime":1838.021,"body":"We"},{"speaker":"Speaker 1","startTime":1838.021,"endTime":1838.021,"body":" "},{"speaker":"Speaker 1","startTime":1838.041,"endTime":1838.142,"body":"have"},{"speaker":"Speaker 1","startTime":1838.142,"endTime":1838.142,"body":" "},{"speaker":"Speaker 1","startTime":1838.162,"endTime":1838.182,"body":"a"},{"speaker":"Speaker 1","startTime":1838.182,"endTime":1838.182,"body":" "},{"speaker":"Speaker 1","startTime":1838.222,"endTime":1838.523,"body":"YouTube"},{"speaker":"Speaker 1","startTime":1838.523,"endTime":1838.523,"body":" "},{"speaker":"Speaker 1","startTime":1838.543,"endTime":1838.824,"body":"channel"},{"speaker":"Speaker 1","startTime":1838.824,"endTime":1838.824,"body":" "},{"speaker":"Speaker 1","startTime":1838.884,"endTime":1839.105,"body":"also"},{"speaker":"Speaker 1","startTime":1839.105,"endTime":1839.105,"body":" "},{"speaker":"Speaker 1","startTime":1839.125,"endTime":1839.245,"body":"called"},{"speaker":"Speaker 1","startTime":1839.245,"endTime":1839.245,"body":" "},{"speaker":"Speaker 1","startTime":1839.425,"endTime":1839.465,"body":"A"},{"speaker":"Speaker 1","startTime":1839.465,"endTime":1839.465,"body":" "},{"speaker":"Speaker 1","startTime":1839.566,"endTime":1839.907,"body":"Wiser"},{"speaker":"Speaker 1","startTime":1839.907,"endTime":1839.907,"body":" "},{"speaker":"Speaker 1","startTime":1839.947,"endTime":1840.408,"body":"Retirement"},{"speaker":"Speaker 1","startTime":1840.408,"endTime":1840.408,"body":" "},{"speaker":"Speaker 1","startTime":1840.869,"endTime":1840.989,"body":"how"},{"speaker":"Speaker 1","startTime":1840.989,"endTime":1840.989,"body":" "},{"speaker":"Speaker 1","startTime":1841.029,"endTime":1841.11,"body":"to"},{"speaker":"Speaker 1","startTime":1841.11,"endTime":1841.11,"body":" "},{"speaker":"Speaker 1","startTime":1841.17,"endTime":1841.41,"body":"Hire"},{"speaker":"Speaker 1","startTime":1841.41,"endTime":1841.41,"body":" "},{"speaker":"Speaker 1","startTime":1841.451,"endTime":1841.491,"body":"a"},{"speaker":"Speaker 1","startTime":1841.491,"endTime":1841.491,"body":" "},{"speaker":"Speaker 1","startTime":1841.551,"endTime":1841.731,"body":"High"},{"speaker":"Speaker 1","startTime":1841.731,"endTime":1841.731,"body":" "},{"speaker":"Speaker 1","startTime":1841.771,"endTime":1841.932,"body":"Net"},{"speaker":"Speaker 1","startTime":1841.932,"endTime":1841.932,"body":" "},{"speaker":"Speaker 1","startTime":1841.952,"endTime":1842.232,"body":"Worth"},{"speaker":"Speaker 1","startTime":1842.232,"endTime":1842.232,"body":" "},{"speaker":"Speaker 1","startTime":1842.393,"endTime":1842.834,"body":"Financial"},{"speaker":"Speaker 1","startTime":1842.834,"endTime":1842.834,"body":" "},{"speaker":"Speaker 1","startTime":1842.894,"endTime":1843.355,"body":"Advisor"},{"speaker":"Speaker 1","startTime":1843.355,"endTime":1843.355,"body":" "},{"speaker":"Speaker 1","startTime":1845.721,"endTime":1845.822,"body":"is"},{"speaker":"Speaker 1","startTime":1845.822,"endTime":1845.822,"body":" "},{"speaker":"Speaker 1","startTime":1845.842,"endTime":1845.862,"body":"a"},{"speaker":"Speaker 1","startTime":1845.862,"endTime":1845.862,"body":" "},{"speaker":"Speaker 1","startTime":1845.902,"endTime":1846.042,"body":"good"},{"speaker":"Speaker 1","startTime":1846.042,"endTime":1846.042,"body":" "},{"speaker":"Speaker 1","startTime":1846.162,"endTime":1846.243,"body":"one"},{"speaker":"Speaker 1","startTime":1846.243,"endTime":1846.243,"body":"."},{"speaker":"Speaker 1","startTime":1846.243,"endTime":1846.243,"body":" "},{"speaker":"Speaker 1","startTime":1846.784,"endTime":1846.824,"body":"I"},{"speaker":"Speaker 1","startTime":1846.824,"endTime":1846.824,"body":" "},{"speaker":"Speaker 1","startTime":1846.844,"endTime":1846.985,"body":"think"},{"speaker":"Speaker 1","startTime":1846.985,"endTime":1846.985,"body":" "},{"speaker":"Speaker 1","startTime":1847.025,"endTime":1847.085,"body":"I"},{"speaker":"Speaker 1","startTime":1847.085,"endTime":1847.085,"body":" "},{"speaker":"Speaker 1","startTime":1847.105,"endTime":1847.165,"body":"did"},{"speaker":"Speaker 1","startTime":1847.165,"endTime":1847.165,"body":" "},{"speaker":"Speaker 1","startTime":1847.325,"endTime":1847.486,"body":"that"},{"speaker":"Speaker 1","startTime":1847.486,"endTime":1847.486,"body":" "},{"speaker":"Speaker 1","startTime":1847.606,"endTime":1847.727,"body":"one"},{"speaker":"Speaker 1","startTime":1847.727,"endTime":1847.727,"body":" "},{"speaker":"Speaker 1","startTime":1847.967,"endTime":1848.008,"body":"a"},{"speaker":"Speaker 1","startTime":1848.008,"endTime":1848.008,"body":" "},{"speaker":"Speaker 1","startTime":1848.048,"endTime":1848.228,"body":"while"},{"speaker":"Speaker 1","startTime":1848.228,"endTime":1848.228,"body":" "},{"speaker":"Speaker 1","startTime":1848.268,"endTime":1848.489,"body":"back"},{"speaker":"Speaker 1","startTime":1848.489,"endTime":1848.489,"body":" "},{"speaker":"Speaker 1","startTime":1848.529,"endTime":1848.79,"body":"ago"},{"speaker":"Speaker 1","startTime":1848.79,"endTime":1848.79,"body":"."},{"speaker":"Speaker 1","startTime":1848.79,"endTime":1848.79,"body":" "},{"speaker":"Speaker 1","startTime":1850.014,"endTime":1850.214,"body":"We"},{"speaker":"Speaker 1","startTime":1850.214,"endTime":1850.214,"body":" "},{"speaker":"Speaker 1","startTime":1850.294,"endTime":1850.435,"body":"have"},{"speaker":"Speaker 1","startTime":1850.435,"endTime":1850.435,"body":" "},{"speaker":"Speaker 1","startTime":1850.475,"endTime":1850.515,"body":"a"},{"speaker":"Speaker 1","startTime":1850.515,"endTime":1850.515,"body":" "},{"speaker":"Speaker 1","startTime":1850.535,"endTime":1850.876,"body":"blog"},{"speaker":"Speaker 1","startTime":1850.876,"endTime":1850.876,"body":" "},{"speaker":"Speaker 1","startTime":1851.077,"endTime":1851.358,"body":"which"},{"speaker":"Speaker 1","startTime":1851.358,"endTime":1851.358,"body":" "},{"speaker":"Speaker 1","startTime":1851.398,"endTime":1851.578,"body":"we"},{"speaker":"Speaker 1","startTime":1851.578,"endTime":1851.578,"body":" "},{"speaker":"Speaker 1","startTime":1851.618,"endTime":1851.759,"body":"have"},{"speaker":"Speaker 1","startTime":1851.759,"endTime":1851.759,"body":" "},{"speaker":"Speaker 1","startTime":1852.06,"endTime":1852.481,"body":"referenced"},{"speaker":"Speaker 1","startTime":1852.481,"endTime":1852.481,"body":"."},{"speaker":"Speaker 1","startTime":1852.481,"endTime":1852.481,"body":" "},{"speaker":"Speaker 1","startTime":1852.541,"endTime":1852.862,"body":"Everything"},{"speaker":"Speaker 1","startTime":1852.862,"endTime":1852.862,"body":" "},{"speaker":"Speaker 1","startTime":1852.902,"endTime":1853.303,"body":"we've"},{"speaker":"Speaker 1","startTime":1853.303,"endTime":1853.303,"body":" "},{"speaker":"Speaker 1","startTime":1853.323,"endTime":1853.444,"body":"talked"},{"speaker":"Speaker 1","startTime":1853.444,"endTime":1853.444,"body":" "},{"speaker":"Speaker 1","startTime":1853.464,"endTime":1853.564,"body":"about"},{"speaker":"Speaker 1","startTime":1853.564,"endTime":1853.564,"body":" "},{"speaker":"Speaker 1","startTime":1853.986,"endTime":1854.167,"body":"really"},{"speaker":"Speaker 1","startTime":1854.167,"endTime":1854.167,"body":" "},{"speaker":"Speaker 1","startTime":1854.207,"endTime":1854.488,"body":"today"},{"speaker":"Speaker 1","startTime":1854.488,"endTime":1854.488,"body":" "},{"speaker":"Speaker 1","startTime":1854.548,"endTime":1854.629,"body":"is"},{"speaker":"Speaker 1","startTime":1854.629,"endTime":1854.629,"body":" "},{"speaker":"Speaker 1","startTime":1854.649,"endTime":1854.89,"body":"direct"},{"speaker":"Speaker 1","startTime":1854.89,"endTime":1854.89,"body":" "},{"speaker":"Speaker 1","startTime":1854.95,"endTime":1855.332,"body":"indexing"},{"speaker":"Speaker 1","startTime":1855.332,"endTime":1855.332,"body":" "},{"speaker":"Speaker 1","startTime":1855.352,"endTime":1855.473,"body":"your"},{"speaker":"Speaker 1","startTime":1855.473,"endTime":1855.473,"body":" "},{"speaker":"Speaker 1","startTime":1855.513,"endTime":1855.674,"body":"right"},{"speaker":"Speaker 1","startTime":1855.674,"endTime":1855.674,"body":" "},{"speaker":"Speaker 1","startTime":1855.694,"endTime":1856.096,"body":"strategy"},{"speaker":"Speaker 1","startTime":1856.096,"endTime":1856.096,"body":" "},{"speaker":"Speaker 1","startTime":1856.156,"endTime":1856.256,"body":"for"},{"speaker":"Speaker 1","startTime":1856.256,"endTime":1856.256,"body":" "},{"speaker":"Speaker 1","startTime":1856.296,"endTime":1856.477,"body":"you"},{"speaker":"Speaker 1","startTime":1856.477,"endTime":1856.477,"body":"."},{"speaker":"Speaker 1","startTime":1856.477,"endTime":1856.477,"body":" "},{"speaker":"Speaker 1","startTime":1856.517,"endTime":1856.678,"body":"That's"},{"speaker":"Speaker 1","startTime":1856.678,"endTime":1856.678,"body":" "},{"speaker":"Speaker 1","startTime":1856.718,"endTime":1856.738,"body":"a"},{"speaker":"Speaker 1","startTime":1856.738,"endTime":1856.738,"body":" "},{"speaker":"Speaker 1","startTime":1856.779,"endTime":1856.879,"body":"new"},{"speaker":"Speaker 1","startTime":1856.879,"endTime":1856.879,"body":" "},{"speaker":"Speaker 1","startTime":1856.939,"endTime":1857.241,"body":"blog"},{"speaker":"Speaker 1","startTime":1857.241,"endTime":1857.241,"body":" "},{"speaker":"Speaker 1","startTime":1857.321,"endTime":1857.422,"body":"out"},{"speaker":"Speaker 1","startTime":1857.422,"endTime":1857.422,"body":" "},{"speaker":"Speaker 1","startTime":1857.522,"endTime":1857.582,"body":"on"},{"speaker":"Speaker 1","startTime":1857.582,"endTime":1857.582,"body":" "},{"speaker":"Speaker 1","startTime":1857.623,"endTime":1857.703,"body":"our"},{"speaker":"Speaker 1","startTime":1857.703,"endTime":1857.703,"body":" "},{"speaker":"Speaker 1","startTime":1857.723,"endTime":1858.105,"body":"website"},{"speaker":"Speaker 1","startTime":1858.105,"endTime":1858.105,"body":"."},{"speaker":"Speaker 1","startTime":1858.105,"endTime":1858.105,"body":" "},{"speaker":"Speaker 1","startTime":1858.265,"endTime":1858.366,"body":"We"},{"speaker":"Speaker 1","startTime":1858.366,"endTime":1858.366,"body":" "},{"speaker":"Speaker 1","startTime":1858.406,"endTime":1858.627,"body":"also"},{"speaker":"Speaker 1","startTime":1858.627,"endTime":1858.627,"body":" "},{"speaker":"Speaker 1","startTime":1858.667,"endTime":1858.868,"body":"link"},{"speaker":"Speaker 1","startTime":1858.868,"endTime":1858.868,"body":" "},{"speaker":"Speaker 1","startTime":1858.888,"endTime":1858.988,"body":"to"},{"speaker":"Speaker 1","startTime":1858.988,"endTime":1858.988,"body":" "},{"speaker":"Speaker 1","startTime":1859.028,"endTime":1859.088,"body":"it"},{"speaker":"Speaker 1","startTime":1859.088,"endTime":1859.088,"body":" "},{"speaker":"Speaker 1","startTime":1859.128,"endTime":1859.349,"body":"here"},{"speaker":"Speaker 1","startTime":1859.349,"endTime":1859.349,"body":" "},{"speaker":"Speaker 1","startTime":1860.072,"endTime":1860.132,"body":"in"},{"speaker":"Speaker 1","startTime":1860.132,"endTime":1860.132,"body":" "},{"speaker":"Speaker 1","startTime":1860.152,"endTime":1860.232,"body":"the"},{"speaker":"Speaker 1","startTime":1860.232,"endTime":1860.232,"body":" "},{"speaker":"Speaker 1","startTime":1860.272,"endTime":1860.453,"body":"show"},{"speaker":"Speaker 1","startTime":1860.453,"endTime":1860.453,"body":" "},{"speaker":"Speaker 1","startTime":1860.493,"endTime":1860.734,"body":"notes"},{"speaker":"Speaker 1","startTime":1860.734,"endTime":1860.734,"body":"."},{"speaker":"Speaker 1","startTime":1860.734,"endTime":1860.734,"body":" "},{"speaker":"Speaker 1","startTime":1862.059,"endTime":1862.3,"body":"Anyway"},{"speaker":"Speaker 1","startTime":1862.3,"endTime":1862.3,"body":","},{"speaker":"Speaker 1","startTime":1862.3,"endTime":1862.3,"body":" "},{"speaker":"Speaker 1","startTime":1862.46,"endTime":1862.621,"body":"thanks"},{"speaker":"Speaker 1","startTime":1862.621,"endTime":1862.621,"body":" "},{"speaker":"Speaker 1","startTime":1862.661,"endTime":1862.741,"body":"for"},{"speaker":"Speaker 1","startTime":1862.741,"endTime":1862.741,"body":" "},{"speaker":"Speaker 1","startTime":1862.781,"endTime":1863.022,"body":"listening"},{"speaker":"Speaker 1","startTime":1863.022,"endTime":1863.022,"body":" "},{"speaker":"Speaker 1","startTime":1863.062,"endTime":1863.303,"body":"today"},{"speaker":"Speaker 1","startTime":1863.303,"endTime":1863.303,"body":"."},{"speaker":"Speaker 1","startTime":1863.303,"endTime":1863.303,"body":" "},{"speaker":"Speaker 1","startTime":1863.323,"endTime":1863.363,"body":"If"},{"speaker":"Speaker 1","startTime":1863.363,"endTime":1863.363,"body":" "},{"speaker":"Speaker 1","startTime":1863.384,"endTime":1863.805,"body":"you're"},{"speaker":"Speaker 1","startTime":1863.805,"endTime":1863.805,"body":" "},{"speaker":"Speaker 1","startTime":1863.805,"endTime":1864.026,"body":"interested"},{"speaker":"Speaker 1","startTime":1864.026,"endTime":1864.026,"body":" "},{"speaker":"Speaker 1","startTime":1864.097,"endTime":1864.157,"body":"in"},{"speaker":"Speaker 1","startTime":1864.157,"endTime":1864.157,"body":" "},{"speaker":"Speaker 1","startTime":1864.228,"endTime":1864.409,"body":"learning"},{"speaker":"Speaker 1","startTime":1864.409,"endTime":1864.409,"body":" "},{"speaker":"Speaker 1","startTime":1864.48,"endTime":1864.58,"body":"more"},{"speaker":"Speaker 1","startTime":1864.58,"endTime":1864.58,"body":" "},{"speaker":"Speaker 1","startTime":1864.65,"endTime":1864.791,"body":"about"},{"speaker":"Speaker 1","startTime":1864.791,"endTime":1864.791,"body":" "},{"speaker":"Speaker 1","startTime":1864.862,"endTime":1865.163,"body":"wiser"},{"speaker":"Speaker 1","startTime":1865.163,"endTime":1865.163,"body":" "},{"speaker":"Speaker 1","startTime":1865.234,"endTime":1865.414,"body":"wealth"},{"speaker":"Speaker 1","startTime":1865.414,"endTime":1865.414,"body":" "},{"speaker":"Speaker 1","startTime":1865.485,"endTime":1865.847,"body":"management"},{"speaker":"Speaker 1","startTime":1865.847,"endTime":1865.847,"body":" "},{"speaker":"Speaker 1","startTime":1865.918,"endTime":1866.519,"body":"or"},{"speaker":"Speaker 1","startTime":1866.519,"endTime":1866.519,"body":" "},{"speaker":"Speaker 1","startTime":1866.59,"endTime":1866.71,"body":"want"},{"speaker":"Speaker 1","startTime":1866.71,"endTime":1866.71,"body":" "},{"speaker":"Speaker 1","startTime":1866.781,"endTime":1866.841,"body":"to"},{"speaker":"Speaker 1","startTime":1866.841,"endTime":1866.841,"body":" "},{"speaker":"Speaker 1","startTime":1866.911,"endTime":1867.232,"body":"schedule"},{"speaker":"Speaker 1","startTime":1867.232,"endTime":1867.232,"body":" "},{"speaker":"Speaker 1","startTime":1867.303,"endTime":1867.343,"body":"a"},{"speaker":"Speaker 1","startTime":1867.343,"endTime":1867.343,"body":" "},{"speaker":"Speaker 1","startTime":1867.414,"endTime":1867.995,"body":"consultation"},{"speaker":"Speaker 1","startTime":1867.995,"endTime":1867.995,"body":","},{"speaker":"Speaker 1","startTime":1867.995,"endTime":1867.995,"body":" "},{"speaker":"Speaker 1","startTime":1868.035,"endTime":1868.135,"body":"meet"},{"speaker":"Speaker 1","startTime":1868.135,"endTime":1868.135,"body":" "},{"speaker":"Speaker 1","startTime":1868.155,"endTime":1868.296,"body":"with"},{"speaker":"Speaker 1","startTime":1868.296,"endTime":1868.296,"body":" "},{"speaker":"Speaker 1","startTime":1868.416,"endTime":1868.496,"body":"one"},{"speaker":"Speaker 1","startTime":1868.496,"endTime":1868.496,"body":" "},{"speaker":"Speaker 1","startTime":1868.516,"endTime":1868.556,"body":"of"},{"speaker":"Speaker 1","startTime":1868.556,"endTime":1868.556,"body":" "},{"speaker":"Speaker 1","startTime":1868.616,"endTime":1868.696,"body":"our"},{"speaker":"Speaker 1","startTime":1868.696,"endTime":1868.696,"body":" "},{"speaker":"Speaker 1","startTime":1868.736,"endTime":1869.177,"body":"fiduciary"},{"speaker":"Speaker 1","startTime":1869.177,"endTime":1869.177,"body":" "},{"speaker":"Speaker 1","startTime":1869.197,"endTime":1869.517,"body":"financial"},{"speaker":"Speaker 1","startTime":1869.517,"endTime":1869.517,"body":" "},{"speaker":"Speaker 1","startTime":1869.537,"endTime":1869.898,"body":"advisors"},{"speaker":"Speaker 1","startTime":1869.898,"endTime":1869.898,"body":"."},{"speaker":"Speaker 1","startTime":1869.898,"endTime":1869.898,"body":" "},{"speaker":"Speaker 1","startTime":1870.478,"endTime":1870.578,"body":"You"},{"speaker":"Speaker 1","startTime":1870.578,"endTime":1870.578,"body":" "},{"speaker":"Speaker 1","startTime":1870.598,"endTime":1870.699,"body":"can"},{"speaker":"Speaker 1","startTime":1870.699,"endTime":1870.699,"body":" "},{"speaker":"Speaker 1","startTime":1870.719,"endTime":1870.819,"body":"do"},{"speaker":"Speaker 1","startTime":1870.819,"endTime":1870.819,"body":" "},{"speaker":"Speaker 1","startTime":1870.879,"endTime":1871.059,"body":"so"},{"speaker":"Speaker 1","startTime":1871.059,"endTime":1871.059,"body":" "},{"speaker":"Speaker 1","startTime":1871.379,"endTime":1871.48,"body":"by"},{"speaker":"Speaker 1","startTime":1871.48,"endTime":1871.48,"body":" "},{"speaker":"Speaker 1","startTime":1871.52,"endTime":1871.68,"body":"going"},{"speaker":"Speaker 1","startTime":1871.68,"endTime":1871.68,"body":" "},{"speaker":"Speaker 1","startTime":1871.7,"endTime":1871.78,"body":"to"},{"speaker":"Speaker 1","startTime":1871.78,"endTime":1871.78,"body":" "},{"speaker":"Speaker 1","startTime":1871.8,"endTime":1872.461,"body":"wiserinvestorcom"},{"speaker":"Speaker 1","startTime":1872.461,"endTime":1872.461,"body":" "},{"speaker":"Speaker 1","startTime":1873.626,"endTime":1873.786,"body":"or"},{"speaker":"Speaker 1","startTime":1873.786,"endTime":1873.786,"body":" "},{"speaker":"Speaker 1","startTime":1873.846,"endTime":1874.046,"body":"click"},{"speaker":"Speaker 1","startTime":1874.046,"endTime":1874.046,"body":" "},{"speaker":"Speaker 1","startTime":1874.066,"endTime":1874.126,"body":"on"},{"speaker":"Speaker 1","startTime":1874.126,"endTime":1874.126,"body":" "},{"speaker":"Speaker 1","startTime":1874.146,"endTime":1874.206,"body":"the"},{"speaker":"Speaker 1","startTime":1874.206,"endTime":1874.206,"body":" "},{"speaker":"Speaker 1","startTime":1874.246,"endTime":1874.467,"body":"link"},{"speaker":"Speaker 1","startTime":1874.467,"endTime":1874.467,"body":" "},{"speaker":"Speaker 1","startTime":1874.547,"endTime":1874.647,"body":"in"},{"speaker":"Speaker 1","startTime":1874.647,"endTime":1874.647,"body":" "},{"speaker":"Speaker 1","startTime":1874.687,"endTime":1874.887,"body":"the"},{"speaker":"Speaker 1","startTime":1874.887,"endTime":1874.887,"body":" "},{"speaker":"Speaker 1","startTime":1875.127,"endTime":1875.288,"body":"show"},{"speaker":"Speaker 1","startTime":1875.288,"endTime":1875.288,"body":" "},{"speaker":"Speaker 1","startTime":1875.308,"endTime":1875.548,"body":"notes"},{"speaker":"Speaker 1","startTime":1875.548,"endTime":1875.548,"body":"."},{"speaker":"Speaker 1","startTime":1875.548,"endTime":1875.548,"body":" "},{"speaker":"Speaker 1","startTime":1876.208,"endTime":1876.329,"body":"Have"},{"speaker":"Speaker 1","startTime":1876.329,"endTime":1876.329,"body":" "},{"speaker":"Speaker 1","startTime":1876.369,"endTime":1876.389,"body":"a"},{"speaker":"Speaker 1","startTime":1876.389,"endTime":1876.389,"body":" "},{"speaker":"Speaker 1","startTime":1876.429,"endTime":1876.589,"body":"great"},{"speaker":"Speaker 1","startTime":1876.589,"endTime":1876.589,"body":" "},{"speaker":"Speaker 1","startTime":1876.629,"endTime":1876.789,"body":"day"},{"speaker":"Speaker 1","startTime":1876.789,"endTime":1876.789,"body":"."},{"speaker":"Speaker 1","startTime":1876.789,"endTime":1876.789,"body":" "},{"speaker":"Speaker 1","startTime":1877.35,"endTime":1877.53,"body":"Thanks"},{"speaker":"Speaker 1","startTime":1877.53,"endTime":1877.53,"body":","},{"speaker":"Speaker 1","startTime":1877.53,"endTime":1877.53,"body":" "},{"speaker":"Speaker 1","startTime":1877.57,"endTime":1877.77,"body":"andrew"},{"speaker":"Speaker 1","startTime":1877.77,"endTime":1877.77,"body":","},{"speaker":"Speaker 1","startTime":1877.77,"endTime":1877.77,"body":" "},{"speaker":"Speaker 1","startTime":1878.431,"endTime":1878.611,"body":"thanks"},{"speaker":"Speaker 1","startTime":1878.611,"endTime":1878.611,"body":" "},{"speaker":"Speaker 1","startTime":1878.651,"endTime":1878.831,"body":"Aisy"},{"speaker":"Speaker 1","startTime":1878.831,"endTime":1878.831,"body":" "},{"speaker":"Speaker 1","startTime":1889.405,"endTime":1889.526,"body":"you're"},{"speaker":"Speaker 1","startTime":1889.526,"endTime":1889.526,"body":" "},{"speaker":"Speaker 1","startTime":1889.598,"endTime":1889.998,"body":"listening"},{"speaker":"Speaker 1","startTime":1889.998,"endTime":1889.998,"body":"."},{"speaker":"Speaker 1","startTime":1889.998,"endTime":1889.998,"body":" "},{"speaker":"Speaker 1","startTime":1889.998,"endTime":1889.998,"body":"\n"},{"speaker":"Speaker 4","startTime":1890.071,"endTime":1890.211,"body":"That"},{"speaker":"Speaker 4","startTime":1890.211,"endTime":1890.211,"body":" "},{"speaker":"Speaker 4","startTime":1890.283,"endTime":1890.403,"body":"way"},{"speaker":"Speaker 4","startTime":1890.403,"endTime":1890.403,"body":","},{"speaker":"Speaker 4","startTime":1890.403,"endTime":1890.403,"body":" "},{"speaker":"Speaker 4","startTime":1890.475,"endTime":1890.555,"body":"you"},{"speaker":"Speaker 4","startTime":1890.555,"endTime":1890.555,"body":" "},{"speaker":"Speaker 4","startTime":1890.628,"endTime":1890.748,"body":"don't"},{"speaker":"Speaker 4","startTime":1890.748,"endTime":1890.748,"body":" "},{"speaker":"Speaker 4","startTime":1890.82,"endTime":1891.001,"body":"miss"},{"speaker":"Speaker 4","startTime":1891.001,"endTime":1891.001,"body":" "},{"speaker":"Speaker 4","startTime":1891.073,"endTime":1891.233,"body":"any"},{"speaker":"Speaker 4","startTime":1891.233,"endTime":1891.233,"body":" "},{"speaker":"Speaker 4","startTime":1891.305,"endTime":1891.445,"body":"new"},{"speaker":"Speaker 4","startTime":1891.445,"endTime":1891.445,"body":" "},{"speaker":"Speaker 4","startTime":1891.518,"endTime":1892.078,"body":"episodes"},{"speaker":"Speaker 4","startTime":1892.078,"endTime":1892.078,"body":"."},{"speaker":"Speaker 4","startTime":1892.078,"endTime":1892.078,"body":" "},{"speaker":"Speaker 4","startTime":1892.15,"endTime":1892.29,"body":"We'd"},{"speaker":"Speaker 4","startTime":1892.29,"endTime":1892.29,"body":" "},{"speaker":"Speaker 4","startTime":1892.362,"endTime":1892.582,"body":"also"},{"speaker":"Speaker 4","startTime":1892.582,"endTime":1892.582,"body":" "},{"speaker":"Speaker 4","startTime":1892.655,"endTime":1893.195,"body":"appreciate"},{"speaker":"Speaker 4","startTime":1893.195,"endTime":1893.195,"body":" "},{"speaker":"Speaker 4","startTime":1893.267,"endTime":1893.327,"body":"if"},{"speaker":"Speaker 4","startTime":1893.327,"endTime":1893.327,"body":" "},{"speaker":"Speaker 4","startTime":1893.399,"endTime":1893.5,"body":"you"},{"speaker":"Speaker 4","startTime":1893.5,"endTime":1893.5,"body":" "},{"speaker":"Speaker 4","startTime":1893.573,"endTime":1893.694,"body":"could"},{"speaker":"Speaker 4","startTime":1893.694,"endTime":1893.694,"body":" "},{"speaker":"Speaker 4","startTime":1893.734,"endTime":1893.994,"body":"leave"},{"speaker":"Speaker 4","startTime":1893.994,"endTime":1893.994,"body":" "},{"speaker":"Speaker 4","startTime":1894.015,"endTime":1894.035,"body":"a"},{"speaker":"Speaker 4","startTime":1894.035,"endTime":1894.035,"body":" "},{"speaker":"Speaker 4","startTime":1894.055,"endTime":1894.315,"body":"rating"},{"speaker":"Speaker 4","startTime":1894.315,"endTime":1894.315,"body":" "},{"speaker":"Speaker 4","startTime":1894.355,"endTime":1894.436,"body":"and"},{"speaker":"Speaker 4","startTime":1894.436,"endTime":1894.436,"body":" "},{"speaker":"Speaker 4","startTime":1894.476,"endTime":1894.837,"body":"review"},{"speaker":"Speaker 4","startTime":1894.837,"endTime":1894.837,"body":"."},{"speaker":"Speaker 4","startTime":1894.837,"endTime":1894.837,"body":" "},{"speaker":"Speaker 4","startTime":1894.977,"endTime":1895.037,"body":"If"},{"speaker":"Speaker 4","startTime":1895.037,"endTime":1895.037,"body":" "},{"speaker":"Speaker 4","startTime":1895.057,"endTime":1895.138,"body":"you"},{"speaker":"Speaker 4","startTime":1895.138,"endTime":1895.138,"body":" "},{"speaker":"Speaker 4","startTime":1895.178,"endTime":1895.278,"body":"have"},{"speaker":"Speaker 4","startTime":1895.278,"endTime":1895.278,"body":" "},{"speaker":"Speaker 4","startTime":1895.338,"endTime":1895.479,"body":"any"},{"speaker":"Speaker 4","startTime":1895.479,"endTime":1895.479,"body":" "},{"speaker":"Speaker 4","startTime":1895.539,"endTime":1895.96,"body":"questions"},{"speaker":"Speaker 4","startTime":1895.96,"endTime":1895.96,"body":" "},{"speaker":"Speaker 4","startTime":1896.0,"endTime":1896.181,"body":"about"},{"speaker":"Speaker 4","startTime":1896.181,"endTime":1896.181,"body":" "},{"speaker":"Speaker 4","startTime":1896.261,"endTime":1896.582,"body":"anything"},{"speaker":"Speaker 4","startTime":1896.582,"endTime":1896.582,"body":" "},{"speaker":"Speaker 4","startTime":1896.602,"endTime":1896.722,"body":"that"},{"speaker":"Speaker 4","startTime":1896.722,"endTime":1896.722,"body":" "},{"speaker":"Speaker 4","startTime":1896.742,"endTime":1896.863,"body":"was"},{"speaker":"Speaker 4","startTime":1896.863,"endTime":1896.863,"body":" "},{"speaker":"Speaker 4","startTime":1896.903,"endTime":1897.324,"body":"discussed"},{"speaker":"Speaker 4","startTime":1897.324,"endTime":1897.324,"body":" "},{"speaker":"Speaker 4","startTime":1897.364,"endTime":1897.605,"body":"today"},{"speaker":"Speaker 4","startTime":1897.605,"endTime":1897.605,"body":" "},{"speaker":"Speaker 4","startTime":1897.625,"endTime":1897.665,"body":"at"},{"speaker":"Speaker 4","startTime":1897.665,"endTime":1897.665,"body":" "},{"speaker":"Speaker 4","startTime":1897.845,"endTime":1897.926,"body":"the"},{"speaker":"Speaker 4","startTime":1897.926,"endTime":1897.926,"body":" "},{"speaker":"Speaker 4","startTime":1897.966,"endTime":1899.27,"body":"wiserinvestorcom"},{"speaker":"Speaker 4","startTime":1899.27,"endTime":1899.27,"body":","},{"speaker":"Speaker 4","startTime":1899.27,"endTime":1899.27,"body":" "},{"speaker":"Speaker 4","startTime":1899.291,"endTime":1899.592,"body":"reach"},{"speaker":"Speaker 4","startTime":1899.592,"endTime":1899.592,"body":" "},{"speaker":"Speaker 4","startTime":1899.672,"endTime":1899.812,"body":"out"},{"speaker":"Speaker 4","startTime":1899.812,"endTime":1899.812,"body":" "},{"speaker":"Speaker 4","startTime":1899.993,"endTime":1900.113,"body":"this"},{"speaker":"Speaker 4","startTime":1900.113,"endTime":1900.113,"body":" "},{"speaker":"Speaker 4","startTime":1900.194,"endTime":1900.555,"body":"episode"},{"speaker":"Speaker 4","startTime":1900.555,"endTime":1900.555,"body":" "},{"speaker":"Speaker 4","startTime":1900.575,"endTime":1900.696,"body":"was"},{"speaker":"Speaker 4","startTime":1900.696,"endTime":1900.696,"body":" "},{"speaker":"Speaker 4","startTime":1900.716,"endTime":1901.117,"body":"produced"},{"speaker":"Speaker 4","startTime":1901.117,"endTime":1901.117,"body":" "},{"speaker":"Speaker 4","startTime":1901.137,"endTime":1901.478,"body":"by"},{"speaker":"Speaker 4","startTime":1901.478,"endTime":1901.478,"body":" "},{"speaker":"Speaker 4","startTime":1901.539,"endTime":1901.84,"body":"Edward"},{"speaker":"Speaker 4","startTime":1901.84,"endTime":1901.84,"body":"."},{"speaker":"Speaker 4","startTime":1901.84,"endTime":1901.84,"body":" "},{"speaker":"Speaker 4","startTime":1901.84,"endTime":1901.84,"body":"\n"},{"speaker":"Speaker 4","startTime":1901.94,"endTime":1902.04,"body":"Or"},{"speaker":"Speaker 4","startTime":1902.04,"endTime":1902.04,"body":" "},{"speaker":"Speaker 4","startTime":1902.06,"endTime":1902.261,"body":"send"},{"speaker":"Speaker 4","startTime":1902.261,"endTime":1902.261,"body":" "},{"speaker":"Speaker 4","startTime":1902.341,"endTime":1902.442,"body":"us"},{"speaker":"Speaker 4","startTime":1902.442,"endTime":1902.442,"body":" "},{"speaker":"Speaker 4","startTime":1902.703,"endTime":1902.863,"body":"this"},{"speaker":"Speaker 4","startTime":1902.863,"endTime":1902.863,"body":" "},{"speaker":"Speaker 4","startTime":1902.903,"endTime":1903.265,"body":"podcast"},{"speaker":"Speaker 4","startTime":1903.265,"endTime":1903.265,"body":" "},{"speaker":"Speaker 4","startTime":1903.285,"endTime":1903.325,"body":"is"},{"speaker":"Speaker 4","startTime":1903.325,"endTime":1903.325,"body":" "},{"speaker":"Speaker 4","startTime":1903.446,"endTime":1903.727,"body":"strictly"},{"speaker":"Speaker 4","startTime":1903.727,"endTime":1903.727,"body":" "},{"speaker":"Speaker 4","startTime":1903.787,"endTime":1903.868,"body":"for"},{"speaker":"Speaker 4","startTime":1903.868,"endTime":1903.868,"body":" "},{"speaker":"Speaker 4","startTime":1903.928,"endTime":1904.431,"body":"informational"},{"speaker":"Speaker 4","startTime":1904.431,"endTime":1904.431,"body":" "},{"speaker":"Speaker 4","startTime":1904.451,"endTime":1904.753,"body":"purposes"},{"speaker":"Speaker 4","startTime":1904.753,"endTime":1904.753,"body":" "},{"speaker":"Speaker 4","startTime":1904.853,"endTime":1905.034,"body":"only"},{"speaker":"Speaker 4","startTime":1905.034,"endTime":1905.034,"body":" "},{"speaker":"Speaker 4","startTime":1905.215,"endTime":1905.295,"body":"and"},{"speaker":"Speaker 4","startTime":1905.295,"endTime":1905.295,"body":" "},{"speaker":"Speaker 4","startTime":1905.316,"endTime":1905.376,"body":"is"},{"speaker":"Speaker 4","startTime":1905.376,"endTime":1905.376,"body":" "},{"speaker":"Speaker 4","startTime":1905.436,"endTime":1905.577,"body":"not"},{"speaker":"Speaker 4","startTime":1905.577,"endTime":1905.577,"body":" "},{"speaker":"Speaker 4","startTime":1905.597,"endTime":1905.637,"body":"to"},{"speaker":"Speaker 4","startTime":1905.637,"endTime":1905.637,"body":" "},{"speaker":"Speaker 4","startTime":1905.678,"endTime":1905.738,"body":"be"},{"speaker":"Speaker 4","startTime":1905.738,"endTime":1905.738,"body":" "},{"speaker":"Speaker 4","startTime":1905.778,"endTime":1906.16,"body":"considered"},{"speaker":"Speaker 4","startTime":1906.16,"endTime":1906.16,"body":" "},{"speaker":"Speaker 4","startTime":1906.24,"endTime":1906.321,"body":"as"},{"speaker":"Speaker 4","startTime":1906.321,"endTime":1906.321,"body":" "},{"speaker":"Speaker 4","startTime":1906.361,"endTime":1906.683,"body":"investment"},{"speaker":"Speaker 4","startTime":1906.683,"endTime":1906.683,"body":" "},{"speaker":"Speaker 4","startTime":1906.723,"endTime":1906.984,"body":"advice"},{"speaker":"Speaker 4","startTime":1906.984,"endTime":1906.984,"body":" "},{"speaker":"Speaker 4","startTime":1907.005,"endTime":1907.045,"body":"or"},{"speaker":"Speaker 4","startTime":1907.045,"endTime":1907.045,"body":" "},{"speaker":"Speaker 4","startTime":1907.266,"endTime":1907.286,"body":"a"},{"speaker":"Speaker 4","startTime":1907.286,"endTime":1907.286,"body":" "},{"speaker":"Speaker 4","startTime":1907.326,"endTime":1907.909,"body":"solicitation"},{"speaker":"Speaker 4","startTime":1907.909,"endTime":1907.909,"body":" "},{"speaker":"Speaker 4","startTime":1907.989,"endTime":1908.049,"body":"to"},{"speaker":"Speaker 4","startTime":1908.049,"endTime":1908.049,"body":" "},{"speaker":"Speaker 4","startTime":1908.09,"endTime":1908.23,"body":"buy"},{"speaker":"Speaker 4","startTime":1908.23,"endTime":1908.23,"body":" "},{"speaker":"Speaker 4","startTime":1908.291,"endTime":1908.351,"body":"or"},{"speaker":"Speaker 4","startTime":1908.351,"endTime":1908.351,"body":" "},{"speaker":"Speaker 4","startTime":1908.371,"endTime":1908.552,"body":"sell"},{"speaker":"Speaker 4","startTime":1908.552,"endTime":1908.552,"body":" "},{"speaker":"Speaker 4","startTime":1908.632,"endTime":1908.773,"body":"any"},{"speaker":"Speaker 4","startTime":1908.773,"endTime":1908.773,"body":" "},{"speaker":"Speaker 4","startTime":1908.833,"endTime":1909.175,"body":"financial"},{"speaker":"Speaker 4","startTime":1909.175,"endTime":1909.175,"body":" "},{"speaker":"Speaker 4","startTime":1909.195,"endTime":1909.536,"body":"products"},{"speaker":"Speaker 4","startTime":1909.536,"endTime":1909.536,"body":","},{"speaker":"Speaker 4","startTime":1909.536,"endTime":1909.536,"body":" "},{"speaker":"Speaker 4","startTime":1909.777,"endTime":1910.22,"body":"securities"},{"speaker":"Speaker 4","startTime":1910.22,"endTime":1910.22,"body":","},{"speaker":"Speaker 4","startTime":1910.22,"endTime":1910.22,"body":" "},{"speaker":"Speaker 4","startTime":1910.461,"endTime":1910.722,"body":"digital"},{"speaker":"Speaker 4","startTime":1910.722,"endTime":1910.722,"body":" "},{"speaker":"Speaker 4","startTime":1910.782,"endTime":1911.084,"body":"assets"},{"speaker":"Speaker 4","startTime":1911.084,"endTime":1911.084,"body":" "},{"speaker":"Speaker 4","startTime":1911.284,"endTime":1911.325,"body":"or"},{"speaker":"Speaker 4","startTime":1911.325,"endTime":1911.325,"body":" "},{"speaker":"Speaker 4","startTime":1911.345,"endTime":1911.405,"body":"any"},{"speaker":"Speaker 4","startTime":1911.405,"endTime":1911.405,"body":" "},{"speaker":"Speaker 4","startTime":1911.566,"endTime":1911.707,"body":"other"},{"speaker":"Speaker 4","startTime":1911.707,"endTime":1911.707,"body":" "},{"speaker":"Speaker 4","startTime":1911.747,"endTime":1912.049,"body":"investment"},{"speaker":"Speaker 4","startTime":1912.049,"endTime":1912.049,"body":" "},{"speaker":"Speaker 4","startTime":1912.069,"endTime":1912.431,"body":"vehicles"},{"speaker":"Speaker 4","startTime":1912.431,"endTime":1912.431,"body":" "},{"speaker":"Speaker 4","startTime":1912.672,"endTime":1912.773,"body":"or"},{"speaker":"Speaker 4","startTime":1912.773,"endTime":1912.773,"body":" "},{"speaker":"Speaker 4","startTime":1912.793,"endTime":1912.813,"body":"a"},{"speaker":"Speaker 4","startTime":1912.813,"endTime":1912.813,"body":" "},{"speaker":"Speaker 4","startTime":1912.853,"endTime":1913.134,"body":"basis"},{"speaker":"Speaker 4","startTime":1913.134,"endTime":1913.134,"body":" "},{"speaker":"Speaker 4","startTime":1913.175,"endTime":1913.215,"body":"to"},{"speaker":"Speaker 4","startTime":1913.215,"endTime":1913.215,"body":" "},{"speaker":"Speaker 4","startTime":1913.255,"endTime":1913.376,"body":"make"},{"speaker":"Speaker 4","startTime":1913.376,"endTime":1913.376,"body":" "},{"speaker":"Speaker 4","startTime":1913.396,"endTime":1913.496,"body":"any"},{"speaker":"Speaker 4","startTime":1913.496,"endTime":1913.496,"body":" "},{"speaker":"Speaker 4","startTime":1913.557,"endTime":1913.859,"body":"financial"},{"speaker":"Speaker 4","startTime":1913.859,"endTime":1913.859,"body":" "},{"speaker":"Speaker 4","startTime":1913.879,"endTime":1914.241,"body":"decisions"},{"speaker":"Speaker 4","startTime":1914.241,"endTime":1914.241,"body":"."},{"speaker":"Speaker 4","startTime":1914.241,"endTime":1914.241,"body":" "},{"speaker":"Speaker 4","startTime":1914.401,"endTime":1914.643,"body":"Wise"},{"speaker":"Speaker 4","startTime":1914.643,"endTime":1914.643,"body":" "},{"speaker":"Speaker 4","startTime":1914.663,"endTime":1914.804,"body":"wealth"},{"speaker":"Speaker 4","startTime":1914.804,"endTime":1914.804,"body":" "},{"speaker":"Speaker 4","startTime":1914.824,"endTime":1915.025,"body":"management"},{"speaker":"Speaker 4","startTime":1915.025,"endTime":1915.025,"body":","},{"speaker":"Speaker 4","startTime":1915.025,"endTime":1915.025,"body":" "},{"speaker":"Speaker 4","startTime":1915.146,"endTime":1915.608,"body":"incorporated"},{"speaker":"Speaker 4","startTime":1915.608,"endTime":1915.608,"body":","},{"speaker":"Speaker 4","startTime":1915.608,"endTime":1915.608,"body":" "},{"speaker":"Speaker 4","startTime":1915.668,"endTime":1915.729,"body":"is"},{"speaker":"Speaker 4","startTime":1915.729,"endTime":1915.729,"body":" "},{"speaker":"Speaker 4","startTime":1915.749,"endTime":1915.769,"body":"a"},{"speaker":"Speaker 4","startTime":1915.769,"endTime":1915.769,"body":" "},{"speaker":"Speaker 4","startTime":1915.829,"endTime":1916.151,"body":"registered"},{"speaker":"Speaker 4","startTime":1916.151,"endTime":1916.151,"body":" "},{"speaker":"Speaker 4","startTime":1916.191,"endTime":1916.512,"body":"investment"},{"speaker":"Speaker 4","startTime":1916.512,"endTime":1916.512,"body":" "},{"speaker":"Speaker 4","startTime":1916.532,"endTime":1916.894,"body":"advisor"},{"speaker":"Speaker 4","startTime":1916.894,"endTime":1916.894,"body":" "},{"speaker":"Speaker 4","startTime":1916.914,"endTime":1917.035,"body":"with"},{"speaker":"Speaker 4","startTime":1917.035,"endTime":1917.035,"body":" "},{"speaker":"Speaker 4","startTime":1917.055,"endTime":1917.517,"body":"sec"},{"speaker":"Speaker 4","startTime":1917.517,"endTime":1917.517,"body":"."},{"speaker":"Speaker 4","startTime":1917.517,"endTime":1917.517,"body":" "},{"speaker":"Speaker 4","startTime":1917.638,"endTime":1917.718,"body":"The"},{"speaker":"Speaker 4","startTime":1917.718,"endTime":1917.718,"body":" "},{"speaker":"Speaker 4","startTime":1917.739,"endTime":1917.94,"body":"host"},{"speaker":"Speaker 4","startTime":1917.94,"endTime":1917.94,"body":" "},{"speaker":"Speaker 4","startTime":1918.04,"endTime":1918.121,"body":"and"},{"speaker":"Speaker 4","startTime":1918.121,"endTime":1918.121,"body":" "},{"speaker":"Speaker 4","startTime":1918.161,"endTime":1918.261,"body":"or"},{"speaker":"Speaker 4","startTime":1918.261,"endTime":1918.261,"body":" "},{"speaker":"Speaker 4","startTime":1918.301,"endTime":1918.563,"body":"guest"},{"speaker":"Speaker 4","startTime":1918.563,"endTime":1918.563,"body":" "},{"speaker":"Speaker 4","startTime":1918.623,"endTime":1918.723,"body":"may"},{"speaker":"Speaker 4","startTime":1918.723,"endTime":1918.723,"body":" "},{"speaker":"Speaker 4","startTime":1918.744,"endTime":1919.005,"body":"personally"},{"speaker":"Speaker 4","startTime":1919.005,"endTime":1919.005,"body":" "},{"speaker":"Speaker 4","startTime":1919.145,"endTime":1919.286,"body":"own"},{"speaker":"Speaker 4","startTime":1919.286,"endTime":1919.286,"body":" "},{"speaker":"Speaker 4","startTime":1919.306,"endTime":1919.727,"body":"securities"},{"speaker":"Speaker 4","startTime":1919.727,"endTime":1919.727,"body":","},{"speaker":"Speaker 4","startTime":1919.727,"endTime":1919.727,"body":" "},{"speaker":"Speaker 4","startTime":1919.908,"endTime":1920.168,"body":"digital"},{"speaker":"Speaker 4","startTime":1920.168,"endTime":1920.168,"body":" "},{"speaker":"Speaker 4","startTime":1920.229,"endTime":1920.55,"body":"assets"},{"speaker":"Speaker 4","startTime":1920.55,"endTime":1920.55,"body":" "},{"speaker":"Speaker 4","startTime":1920.71,"endTime":1920.77,"body":"or"},{"speaker":"Speaker 4","startTime":1920.77,"endTime":1920.77,"body":" "},{"speaker":"Speaker 4","startTime":1920.81,"endTime":1920.971,"body":"other"},{"speaker":"Speaker 4","startTime":1920.971,"endTime":1920.971,"body":" "},{"speaker":"Speaker 4","startTime":1921.011,"endTime":1921.332,"body":"investment"},{"speaker":"Speaker 4","startTime":1921.332,"endTime":1921.332,"body":" "},{"speaker":"Speaker 4","startTime":1921.352,"endTime":1921.693,"body":"vehicles"},{"speaker":"Speaker 4","startTime":1921.693,"endTime":1921.693,"body":" "},{"speaker":"Speaker 4","startTime":1921.753,"endTime":1922.034,"body":"mentioned"},{"speaker":"Speaker 4","startTime":1922.034,"endTime":1922.034,"body":" "},{"speaker":"Speaker 4","startTime":1922.074,"endTime":1922.134,"body":"on"},{"speaker":"Speaker 4","startTime":1922.134,"endTime":1922.134,"body":" "},{"speaker":"Speaker 4","startTime":1922.154,"endTime":1922.235,"body":"this"},{"speaker":"Speaker 4","startTime":1922.235,"endTime":1922.235,"body":" "},{"speaker":"Speaker 4","startTime":1922.275,"endTime":1922.696,"body":"podcast"},{"speaker":"Speaker 4","startTime":1922.696,"endTime":1922.696,"body":"."},{"speaker":"Speaker 4","startTime":1922.696,"endTime":1922.696,"body":" "},{"speaker":"Speaker 4","startTime":1922.825,"endTime":1923.027,"body":"Neither"},{"speaker":"Speaker 4","startTime":1923.027,"endTime":1923.027,"body":" "},{"speaker":"Speaker 4","startTime":1923.067,"endTime":1923.127,"body":"the"},{"speaker":"Speaker 4","startTime":1923.127,"endTime":1923.127,"body":" "},{"speaker":"Speaker 4","startTime":1923.168,"endTime":1923.409,"body":"host"},{"speaker":"Speaker 4","startTime":1923.409,"endTime":1923.409,"body":" "},{"speaker":"Speaker 4","startTime":1923.469,"endTime":1923.59,"body":"nor"},{"speaker":"Speaker 4","startTime":1923.59,"endTime":1923.59,"body":" "},{"speaker":"Speaker 4","startTime":1923.651,"endTime":1923.832,"body":"guest"},{"speaker":"Speaker 4","startTime":1923.832,"endTime":1923.832,"body":" "},{"speaker":"Speaker 4","startTime":1923.852,"endTime":1923.912,"body":"of"},{"speaker":"Speaker 4","startTime":1923.912,"endTime":1923.912,"body":" "},{"speaker":"Speaker 4","startTime":1923.932,"endTime":1923.993,"body":"the"},{"speaker":"Speaker 4","startTime":1923.993,"endTime":1923.993,"body":" "},{"speaker":"Speaker 4","startTime":1924.033,"endTime":1924.214,"body":"show"},{"speaker":"Speaker 4","startTime":1924.214,"endTime":1924.214,"body":" "},{"speaker":"Speaker 4","startTime":1924.295,"endTime":1924.395,"body":"are"},{"speaker":"Speaker 4","startTime":1924.395,"endTime":1924.395,"body":" "},{"speaker":"Speaker 4","startTime":1924.415,"endTime":1924.878,"body":"compensated"},{"speaker":"Speaker 4","startTime":1924.878,"endTime":1924.878,"body":" "},{"speaker":"Speaker 4","startTime":1924.918,"endTime":1924.979,"body":"for"},{"speaker":"Speaker 4","startTime":1924.979,"endTime":1924.979,"body":" "},{"speaker":"Speaker 4","startTime":1924.999,"endTime":1925.12,"body":"their"},{"speaker":"Speaker 4","startTime":1925.12,"endTime":1925.12,"body":" "},{"speaker":"Speaker 4","startTime":1925.14,"endTime":1925.764,"body":"participation"},{"speaker":"Speaker 4","startTime":1925.764,"endTime":1925.764,"body":" "},{"speaker":"Speaker 4","startTime":1925.784,"endTime":1925.864,"body":"and"},{"speaker":"Speaker 4","startTime":1925.864,"endTime":1925.864,"body":" "},{"speaker":"Speaker 4","startTime":1925.884,"endTime":1925.945,"body":"no"},{"speaker":"Speaker 4","startTime":1925.945,"endTime":1925.945,"body":" "},{"speaker":"Speaker 4","startTime":1926.105,"endTime":1926.426,"body":"referral"},{"speaker":"Speaker 4","startTime":1926.426,"endTime":1926.426,"body":" "},{"speaker":"Speaker 4","startTime":1926.446,"endTime":1926.606,"body":"fees"},{"speaker":"Speaker 4","startTime":1926.606,"endTime":1926.606,"body":" "},{"speaker":"Speaker 4","startTime":1926.647,"endTime":1926.727,"body":"are"},{"speaker":"Speaker 4","startTime":1926.727,"endTime":1926.727,"body":" "},{"speaker":"Speaker 4","startTime":1926.747,"endTime":1926.947,"body":"paid"},{"speaker":"Speaker 4","startTime":1926.947,"endTime":1926.947,"body":" "},{"speaker":"Speaker 4","startTime":1927.027,"endTime":1927.208,"body":"to"},{"speaker":"Speaker 4","startTime":1927.208,"endTime":1927.208,"body":" "},{"speaker":"Speaker 4","startTime":1927.408,"endTime":1927.468,"body":"or"},{"speaker":"Speaker 4","startTime":1927.468,"endTime":1927.468,"body":" "},{"speaker":"Speaker 4","startTime":1927.529,"endTime":1927.889,"body":"received"},{"speaker":"Speaker 4","startTime":1927.889,"endTime":1927.889,"body":" "},{"speaker":"Speaker 4","startTime":1927.93,"endTime":1928.03,"body":"by"},{"speaker":"Speaker 4","startTime":1928.03,"endTime":1928.03,"body":" "},{"speaker":"Speaker 4","startTime":1928.11,"endTime":1928.23,"body":"any"},{"speaker":"Speaker 4","startTime":1928.23,"endTime":1928.23,"body":" "},{"speaker":"Speaker 4","startTime":1928.29,"endTime":1928.551,"body":"host"},{"speaker":"Speaker 4","startTime":1928.551,"endTime":1928.551,"body":" "},{"speaker":"Speaker 4","startTime":1928.691,"endTime":1928.751,"body":"or"},{"speaker":"Speaker 4","startTime":1928.751,"endTime":1928.751,"body":" "},{"speaker":"Speaker 4","startTime":1928.812,"endTime":1929.072,"body":"guest"},{"speaker":"Speaker 4","startTime":1929.072,"endTime":1929.072,"body":" "},{"speaker":"Speaker 4","startTime":1929.132,"endTime":1929.252,"body":"for"},{"speaker":"Speaker 4","startTime":1929.252,"endTime":1929.252,"body":" "},{"speaker":"Speaker 4","startTime":1929.293,"endTime":1929.633,"body":"clients"},{"speaker":"Speaker 4","startTime":1929.633,"endTime":1929.633,"body":","},{"speaker":"Speaker 4","startTime":1929.633,"endTime":1929.633,"body":" "},{"speaker":"Speaker 4","startTime":1929.794,"endTime":1930.155,"body":"listeners"},{"speaker":"Speaker 4","startTime":1930.155,"endTime":1930.155,"body":" "},{"speaker":"Speaker 4","startTime":1930.335,"endTime":1930.415,"body":"or"},{"speaker":"Speaker 4","startTime":1930.415,"endTime":1930.415,"body":" "},{"speaker":"Speaker 4","startTime":1930.455,"endTime":1930.736,"body":"similar"},{"speaker":"Speaker 4","startTime":1930.736,"endTime":1930.736,"body":" "},{"speaker":"Speaker 4","startTime":1930.796,"endTime":1931.137,"body":"interests"},{"speaker":"Speaker 4","startTime":1931.137,"endTime":1931.137,"body":"."},{"speaker":"Speaker 4","startTime":1931.137,"endTime":1931.137,"body":" "},{"speaker":"Speaker 4","startTime":1931.745,"endTime":1932.066,"body":"Investments"},{"speaker":"Speaker 4","startTime":1932.066,"endTime":1932.066,"body":" "},{"speaker":"Speaker 4","startTime":1932.127,"endTime":1932.287,"body":"involve"},{"speaker":"Speaker 4","startTime":1932.287,"endTime":1932.287,"body":" "},{"speaker":"Speaker 4","startTime":1932.387,"endTime":1932.568,"body":"risk"},{"speaker":"Speaker 4","startTime":1932.568,"endTime":1932.568,"body":" "},{"speaker":"Speaker 4","startTime":1932.608,"endTime":1932.668,"body":"and"},{"speaker":"Speaker 4","startTime":1932.668,"endTime":1932.668,"body":","},{"speaker":"Speaker 4","startTime":1932.668,"endTime":1932.668,"body":" "},{"speaker":"Speaker 4","startTime":1932.708,"endTime":1932.929,"body":"unless"},{"speaker":"Speaker 4","startTime":1932.929,"endTime":1932.929,"body":" "},{"speaker":"Speaker 4","startTime":1932.989,"endTime":1933.311,"body":"otherwise"},{"speaker":"Speaker 4","startTime":1933.311,"endTime":1933.311,"body":" "},{"speaker":"Speaker 4","startTime":1933.351,"endTime":1933.591,"body":"stated"},{"speaker":"Speaker 4","startTime":1933.591,"endTime":1933.591,"body":","},{"speaker":"Speaker 4","startTime":1933.591,"endTime":1933.591,"body":" "},{"speaker":"Speaker 4","startTime":1933.692,"endTime":1933.772,"body":"are"},{"speaker":"Speaker 4","startTime":1933.772,"endTime":1933.772,"body":" "},{"speaker":"Speaker 4","startTime":1933.812,"endTime":1933.933,"body":"not"},{"speaker":"Speaker 4","startTime":1933.933,"endTime":1933.933,"body":" "},{"speaker":"Speaker 4","startTime":1933.953,"endTime":1934.374,"body":"guaranteed"},{"speaker":"Speaker 4","startTime":1934.374,"endTime":1934.374,"body":"."},{"speaker":"Speaker 4","startTime":1934.374,"endTime":1934.374,"body":" "},{"speaker":"Speaker 4","startTime":1934.545,"endTime":1934.646,"body":"Be"},{"speaker":"Speaker 4","startTime":1934.646,"endTime":1934.646,"body":" "},{"speaker":"Speaker 4","startTime":1934.706,"endTime":1934.887,"body":"sure"},{"speaker":"Speaker 4","startTime":1934.887,"endTime":1934.887,"body":" "},{"speaker":"Speaker 4","startTime":1934.947,"endTime":1935.027,"body":"to"},{"speaker":"Speaker 4","startTime":1935.027,"endTime":1935.027,"body":" "},{"speaker":"Speaker 4","startTime":1935.068,"endTime":1935.269,"body":"first"},{"speaker":"Speaker 4","startTime":1935.269,"endTime":1935.269,"body":" "},{"speaker":"Speaker 4","startTime":1935.329,"endTime":1935.631,"body":"consult"},{"speaker":"Speaker 4","startTime":1935.631,"endTime":1935.631,"body":" "},{"speaker":"Speaker 4","startTime":1935.671,"endTime":1935.771,"body":"with"},{"speaker":"Speaker 4","startTime":1935.771,"endTime":1935.771,"body":" "},{"speaker":"Speaker 4","startTime":1935.811,"endTime":1935.852,"body":"a"},{"speaker":"Speaker 4","startTime":1935.852,"endTime":1935.852,"body":" "},{"speaker":"Speaker 4","startTime":1935.892,"endTime":1936.294,"body":"qualified"},{"speaker":"Speaker 4","startTime":1936.294,"endTime":1936.294,"body":" "},{"speaker":"Speaker 4","startTime":1936.314,"endTime":1936.656,"body":"financial"},{"speaker":"Speaker 4","startTime":1936.656,"endTime":1936.656,"body":" "},{"speaker":"Speaker 4","startTime":1936.696,"endTime":1937.038,"body":"advisor"},{"speaker":"Speaker 4","startTime":1937.038,"endTime":1937.038,"body":","},{"speaker":"Speaker 4","startTime":1937.038,"endTime":1937.038,"body":" "},{"speaker":"Speaker 4","startTime":1937.239,"endTime":1937.419,"body":"tax"},{"speaker":"Speaker 4","startTime":1937.419,"endTime":1937.419,"body":" "},{"speaker":"Speaker 4","startTime":1937.44,"endTime":1937.902,"body":"professional"},{"speaker":"Speaker 4","startTime":1937.902,"endTime":1937.902,"body":","},{"speaker":"Speaker 4","startTime":1937.902,"endTime":1937.902,"body":" "},{"speaker":"Speaker 4","startTime":1938.284,"endTime":1938.525,"body":"insurance"},{"speaker":"Speaker 4","startTime":1938.525,"endTime":1938.525,"body":" "},{"speaker":"Speaker 4","startTime":1938.605,"endTime":1939.046,"body":"professional"},{"speaker":"Speaker 4","startTime":1939.046,"endTime":1939.046,"body":" "},{"speaker":"Speaker 4","startTime":1939.367,"endTime":1939.488,"body":"and"},{"speaker":"Speaker 4","startTime":1939.488,"endTime":1939.488,"body":" "},{"speaker":"Speaker 4","startTime":1939.588,"endTime":1939.708,"body":"or"},{"speaker":"Speaker 4","startTime":1939.708,"endTime":1939.708,"body":" "},{"speaker":"Speaker 4","startTime":1939.768,"endTime":1939.989,"body":"legal"},{"speaker":"Speaker 4","startTime":1939.989,"endTime":1939.989,"body":" "},{"speaker":"Speaker 4","startTime":1940.029,"endTime":1940.45,"body":"professional"},{"speaker":"Speaker 4","startTime":1940.45,"endTime":1940.45,"body":" "},{"speaker":"Speaker 4","startTime":1940.47,"endTime":1940.751,"body":"before"},{"speaker":"Speaker 4","startTime":1940.751,"endTime":1940.751,"body":" "},{"speaker":"Speaker 4","startTime":1940.811,"endTime":1941.212,"body":"implementing"},{"speaker":"Speaker 4","startTime":1941.212,"endTime":1941.212,"body":" "},{"speaker":"Speaker 4","startTime":1941.333,"endTime":1941.473,"body":"any"},{"speaker":"Speaker 4","startTime":1941.473,"endTime":1941.473,"body":" "},{"speaker":"Speaker 4","startTime":1941.513,"endTime":1941.894,"body":"strategy"},{"speaker":"Speaker 4","startTime":1941.894,"endTime":1941.894,"body":" "},{"speaker":"Speaker 4","startTime":1941.934,"endTime":1942.275,"body":"discussed"},{"speaker":"Speaker 4","startTime":1942.275,"endTime":1942.275,"body":" "},{"speaker":"Speaker 4","startTime":1942.315,"endTime":1942.556,"body":"herein"},{"speaker":"Speaker 4","startTime":1942.556,"endTime":1942.556,"body":"."},{"speaker":"Speaker 4","startTime":1942.556,"endTime":1942.556,"body":" "},{"speaker":"Speaker 4","startTime":1942.765,"endTime":1942.845,"body":"Last"},{"speaker":"Speaker 4","startTime":1942.845,"endTime":1942.845,"body":" "},{"speaker":"Speaker 4","startTime":1942.865,"endTime":1943.266,"body":"performance"},{"speaker":"Speaker 4","startTime":1943.266,"endTime":1943.266,"body":" "},{"speaker":"Speaker 4","startTime":1943.346,"endTime":1943.406,"body":"is"},{"speaker":"Speaker 4","startTime":1943.406,"endTime":1943.406,"body":" "},{"speaker":"Speaker 4","startTime":1943.446,"endTime":1943.566,"body":"not"},{"speaker":"Speaker 4","startTime":1943.566,"endTime":1943.566,"body":" "},{"speaker":"Speaker 4","startTime":1943.606,"endTime":1944.027,"body":"indicative"},{"speaker":"Speaker 4","startTime":1944.027,"endTime":1944.027,"body":" "},{"speaker":"Speaker 4","startTime":1944.067,"endTime":1944.107,"body":"of"},{"speaker":"Speaker 4","startTime":1944.107,"endTime":1944.107,"body":" "},{"speaker":"Speaker 4","startTime":1944.147,"endTime":1944.388,"body":"future"},{"speaker":"Speaker 4","startTime":1944.388,"endTime":1944.388,"body":" "},{"speaker":"Speaker 4","startTime":1944.408,"endTime":1944.849,"body":"performance"},{"speaker":"Speaker 4","startTime":1944.849,"endTime":1944.849,"body":"."},{"speaker":"Speaker 4","startTime":1944.849,"endTime":1944.849,"body":" "},{"speaker":"Speaker 4","startTime":1944.849,"endTime":1944.849,"body":"\n"}]}