{"version":"1.0.0","segments":[{"speaker":"Unknown","startTime":11.94,"endTime":16.98,"body":"Welcome to The Real"},{"speaker":"Unknown","startTime":11.94,"endTime":16.98,"body":"advisor podcast, t r a p twerp"},{"speaker":"Unknown","startTime":17.37,"endTime":20.58,"body":"please follow us and join in the"},{"speaker":"Unknown","startTime":17.37,"endTime":20.58,"body":"conversation on Twitter at"},{"speaker":"Unknown","startTime":20.58,"endTime":24.33,"body":"advisor podcast where you can"},{"speaker":"Unknown","startTime":20.58,"endTime":24.33,"body":"suggest ideas and themes you'd"},{"speaker":"Unknown","startTime":24.33,"endTime":27.78,"body":"like the track team to discuss."},{"speaker":"Unknown","startTime":24.33,"endTime":27.78,"body":"Also remember to like and"},{"speaker":"Unknown","startTime":27.78,"endTime":31.44,"body":"subscribe to our YouTube channel"},{"speaker":"Unknown","startTime":27.78,"endTime":31.44,"body":"and leave a six out of five star"},{"speaker":"Unknown","startTime":31.44,"endTime":35.4,"body":"review on iTunes. Doing all this"},{"speaker":"Unknown","startTime":31.44,"endTime":35.4,"body":"really really helps us which"},{"speaker":"Unknown","startTime":35.4,"endTime":38.88,"body":"means we can do more to help"},{"speaker":"Unknown","startTime":35.4,"endTime":38.88,"body":"you. Now let's head over to the"},{"speaker":"Unknown","startTime":38.88,"endTime":41.19,"body":"studio for the latest pilot trap"},{"speaker":"Nick Lincoln","startTime":47.01,"endTime":49.98,"body":"yes, indeed, dear"},{"speaker":"Nick Lincoln","startTime":47.01,"endTime":49.98,"body":"TRAPPIST Welcome back to Episode"},{"speaker":"Nick Lincoln","startTime":49.98,"endTime":54.87,"body":"18 of the real advisor podcast T"},{"speaker":"Nick Lincoln","startTime":49.98,"endTime":54.87,"body":"R A P trap. My name is Nick"},{"speaker":"Nick Lincoln","startTime":54.87,"endTime":57.63,"body":"Lincoln. Joining me as ever in"},{"speaker":"Nick Lincoln","startTime":54.87,"endTime":57.63,"body":"the digital studio of doom are"},{"speaker":"Nick Lincoln","startTime":57.63,"endTime":62.16,"body":"the three other Horsemen of the"},{"speaker":"Nick Lincoln","startTime":57.63,"endTime":62.16,"body":"Apocalypse and the hearts called"},{"speaker":"Nick Lincoln","startTime":62.16,"endTime":66.99,"body":"the voice which are an Alan the"},{"speaker":"Nick Lincoln","startTime":62.16,"endTime":66.99,"body":"storyteller Smith the trap pack."},{"speaker":"Nick Lincoln","startTime":67.26,"endTime":70.11,"body":"Now gents, we have a show packed"},{"speaker":"Nick Lincoln","startTime":67.26,"endTime":70.11,"body":"full of absolutely nothing. So"},{"speaker":"Nick Lincoln","startTime":70.11,"endTime":73.35,"body":"let's start unpacking it away in"},{"speaker":"Nick Lincoln","startTime":70.11,"endTime":73.35,"body":"our normal high energy, high"},{"speaker":"Nick Lincoln","startTime":73.35,"endTime":77.22,"body":"motivational style. Mr. Hart you"},{"speaker":"Nick Lincoln","startTime":73.35,"endTime":77.22,"body":"have some reviews of track for"},{"speaker":"Nick Lincoln","startTime":77.22,"endTime":77.43,"body":"us."},{"speaker":"Andy Hart","startTime":77.52,"endTime":80.13,"body":"Yeah, over to me to"},{"speaker":"Andy Hart","startTime":77.52,"endTime":80.13,"body":"start the show with a bang. I've"},{"speaker":"Andy Hart","startTime":80.13,"endTime":84.12,"body":"got three reviews. The first one"},{"speaker":"Andy Hart","startTime":80.13,"endTime":84.12,"body":"is from V Benson 13. Excellent"},{"speaker":"Andy Hart","startTime":84.12,"endTime":87.09,"body":"podcast, five stars worth"},{"speaker":"Andy Hart","startTime":84.12,"endTime":87.09,"body":"subscribing, plenty of great"},{"speaker":"Andy Hart","startTime":87.09,"endTime":91.8,"body":"content and an excellent listen"},{"speaker":"Andy Hart","startTime":87.09,"endTime":91.8,"body":"whilst driving. Or we'll walk in"},{"speaker":"Andy Hart","startTime":91.8,"endTime":95.79,"body":"the dog. Next up is Nick"},{"speaker":"Andy Hart","startTime":91.8,"endTime":95.79,"body":"brackets one. Again five stars"},{"speaker":"Andy Hart","startTime":95.79,"endTime":99.72,"body":"proper financial planners, for"},{"speaker":"Andy Hart","startTime":95.79,"endTime":99.72,"body":"proper financial planners. When"},{"speaker":"Andy Hart","startTime":99.72,"endTime":101.76,"body":"you pay to attend a conference"},{"speaker":"Andy Hart","startTime":99.72,"endTime":101.76,"body":"you always find it's the"},{"speaker":"Andy Hart","startTime":101.76,"endTime":104.34,"body":"conversations you have with the"},{"speaker":"Andy Hart","startTime":101.76,"endTime":104.34,"body":"other advisors in the breaks"},{"speaker":"Andy Hart","startTime":104.55,"endTime":107.37,"body":"that the most useful. This"},{"speaker":"Andy Hart","startTime":104.55,"endTime":107.37,"body":"podcast is the conference"},{"speaker":"Andy Hart","startTime":107.37,"endTime":111.99,"body":"without the boring conference."},{"speaker":"Andy Hart","startTime":107.37,"endTime":111.99,"body":"Well done, gents. Finally is T"},{"speaker":"Andy Hart","startTime":111.99,"endTime":116.52,"body":"mostly fivestars prices content"},{"speaker":"Andy Hart","startTime":111.99,"endTime":116.52,"body":"for financial advisors. These"},{"speaker":"Andy Hart","startTime":116.52,"endTime":119.13,"body":"fellas are doing the job"},{"speaker":"Andy Hart","startTime":116.52,"endTime":119.13,"body":"properly. Thank you for giving"},{"speaker":"Andy Hart","startTime":119.13,"endTime":122.55,"body":"up your time to share your"},{"speaker":"Andy Hart","startTime":119.13,"endTime":122.55,"body":"experience and knowledge. Back"},{"speaker":"Andy Hart","startTime":122.55,"endTime":124.5,"body":"to you, Nick Lincoln."},{"speaker":"Nick Lincoln","startTime":126.78,"endTime":129.24,"body":"Thank you very"},{"speaker":"Nick Lincoln","startTime":126.78,"endTime":129.24,"body":"much, Andrew. That's lovely."},{"speaker":"Nick Lincoln","startTime":129.27,"endTime":131.73,"body":"Great. Thank you TRAPPIST for"},{"speaker":"Nick Lincoln","startTime":129.27,"endTime":131.73,"body":"the reviews mean an awful lot to"},{"speaker":"Nick Lincoln","startTime":131.73,"endTime":133.5,"body":"us just give us a little shot in"},{"speaker":"Nick Lincoln","startTime":131.73,"endTime":133.5,"body":"the arm. And we need the"},{"speaker":"Nick Lincoln","startTime":133.5,"endTime":137.22,"body":"motivation to keep on doing the"},{"speaker":"Nick Lincoln","startTime":133.5,"endTime":137.22,"body":"real advisor podcast. So let's"},{"speaker":"Nick Lincoln","startTime":137.22,"endTime":139.38,"body":"move on to some topical tip bits"},{"speaker":"Nick Lincoln","startTime":137.22,"endTime":139.38,"body":"and give this episode a"},{"speaker":"Nick Lincoln","startTime":139.38,"endTime":144.84,"body":"timestamp. If you're catching up"},{"speaker":"Nick Lincoln","startTime":139.38,"endTime":144.84,"body":"after the event as it were. I'll"},{"speaker":"Nick Lincoln","startTime":144.84,"endTime":147.21,"body":"go first because I've just top"},{"speaker":"Nick Lincoln","startTime":144.84,"endTime":147.21,"body":"of the list. Not this"},{"speaker":"Nick Lincoln","startTime":147.21,"endTime":148.68,"body":"particularly anything"},{"speaker":"Nick Lincoln","startTime":147.21,"endTime":148.68,"body":"interesting. But I've just"},{"speaker":"Nick Lincoln","startTime":148.68,"endTime":152.82,"body":"noticed, I've noticed in the in"},{"speaker":"Nick Lincoln","startTime":148.68,"endTime":152.82,"body":"the trade press and the trade"},{"speaker":"Nick Lincoln","startTime":152.82,"endTime":157.47,"body":"media, how annuities have"},{"speaker":"Nick Lincoln","startTime":152.82,"endTime":157.47,"body":"suddenly come back into into an"},{"speaker":"Nick Lincoln","startTime":157.47,"endTime":159.54,"body":"all they're trying to make"},{"speaker":"Nick Lincoln","startTime":157.47,"endTime":159.54,"body":"notice come back into some kind"},{"speaker":"Nick Lincoln","startTime":159.54,"endTime":163.86,"body":"of Vogue. Given the recent"},{"speaker":"Nick Lincoln","startTime":159.54,"endTime":163.86,"body":"unprecedented the quick run of"},{"speaker":"Nick Lincoln","startTime":163.95,"endTime":166.71,"body":"base rate rises. Obviously"},{"speaker":"Nick Lincoln","startTime":163.95,"endTime":166.71,"body":"that's had a positive effect on"},{"speaker":"Nick Lincoln","startTime":167.16,"endTime":170.1,"body":"on annuity rates as well. And"},{"speaker":"Nick Lincoln","startTime":167.16,"endTime":170.1,"body":"you certainly people are coming"},{"speaker":"Nick Lincoln","startTime":170.1,"endTime":172.47,"body":"out of the woodwork now, just"},{"speaker":"Nick Lincoln","startTime":170.1,"endTime":172.47,"body":"because annuity rates aren't as"},{"speaker":"Nick Lincoln","startTime":172.47,"endTime":175.02,"body":"abysmal as they once were. And"},{"speaker":"Nick Lincoln","startTime":172.47,"endTime":175.02,"body":"now they're just plain awful."},{"speaker":"Nick Lincoln","startTime":175.62,"endTime":178.38,"body":"Every third article seems to be"},{"speaker":"Nick Lincoln","startTime":175.62,"endTime":178.38,"body":"from someone saying oh yeah,"},{"speaker":"Nick Lincoln","startTime":178.38,"endTime":181.5,"body":"annuities should come back into"},{"speaker":"Nick Lincoln","startTime":178.38,"endTime":181.5,"body":"the discussion with clients. And"},{"speaker":"Nick Lincoln","startTime":181.5,"endTime":184.65,"body":"even things like critical yield"},{"speaker":"Nick Lincoln","startTime":181.5,"endTime":184.65,"body":"now should be revisited as they"},{"speaker":"Nick Lincoln","startTime":184.68,"endTime":189.33,"body":"are really up people not so I"},{"speaker":"Nick Lincoln","startTime":184.68,"endTime":189.33,"body":"just did some digging around 63"},{"speaker":"Nick Lincoln","startTime":189.33,"endTime":194.73,"body":"year old female, single life"},{"speaker":"Nick Lincoln","startTime":189.33,"endTime":194.73,"body":"annuity 10 year guarantee, the"},{"speaker":"Nick Lincoln","startTime":194.73,"endTime":198.96,"body":"best rate I could find was 6%."},{"speaker":"Nick Lincoln","startTime":194.73,"endTime":198.96,"body":"So you got 100 grand fund, you"},{"speaker":"Nick Lincoln","startTime":198.96,"endTime":202.47,"body":"annuitize it you're going to get"},{"speaker":"Nick Lincoln","startTime":198.96,"endTime":202.47,"body":"six grand a year before. Before"},{"speaker":"Nick Lincoln","startTime":202.47,"endTime":206.4,"body":"Tax. All these articles, by the"},{"speaker":"Nick Lincoln","startTime":202.47,"endTime":206.4,"body":"way, they never mentioned index"},{"speaker":"Nick Lincoln","startTime":206.4,"endTime":209.67,"body":"linked annuities. So I'm"},{"speaker":"Nick Lincoln","startTime":206.4,"endTime":209.67,"body":"assuming they're just talking"},{"speaker":"Nick Lincoln","startTime":209.67,"endTime":211.95,"body":"about level and you're just"},{"speaker":"Nick Lincoln","startTime":209.67,"endTime":211.95,"body":"index linked annuity, the same"},{"speaker":"Nick Lincoln","startTime":211.95,"endTime":217.44,"body":"female clients 63 years old,"},{"speaker":"Nick Lincoln","startTime":211.95,"endTime":217.44,"body":"escalating at 5% annuity, the"},{"speaker":"Nick Lincoln","startTime":217.44,"endTime":221.73,"body":"yield is 3.2%, you'd give up 100"},{"speaker":"Nick Lincoln","startTime":217.44,"endTime":221.73,"body":"grand to get a starting taxable"},{"speaker":"Nick Lincoln","startTime":221.73,"endTime":224.94,"body":"income of 3200 pounds a year."},{"speaker":"Nick Lincoln","startTime":221.73,"endTime":224.94,"body":"And that's the best one I can"},{"speaker":"Nick Lincoln","startTime":224.94,"endTime":227.76,"body":"find. And this is when rates are"},{"speaker":"Nick Lincoln","startTime":224.94,"endTime":227.76,"body":"supposedly better than they used"},{"speaker":"Nick Lincoln","startTime":227.76,"endTime":230.76,"body":"to be. And just for interesting"},{"speaker":"Nick Lincoln","startTime":227.76,"endTime":230.76,"body":"comparison purposes, the"},{"speaker":"Nick Lincoln","startTime":230.76,"endTime":234.45,"body":"crossover time never seems to"},{"speaker":"Nick Lincoln","startTime":230.76,"endTime":234.45,"body":"change that that escalating"},{"speaker":"Nick Lincoln","startTime":234.45,"endTime":238.26,"body":"annuity takes 14 years to catch"},{"speaker":"Nick Lincoln","startTime":234.45,"endTime":238.26,"body":"up with a level one. And it's a"},{"speaker":"Nick Lincoln","startTime":238.26,"endTime":241.44,"body":"full 25 years before Mrs."},{"speaker":"Nick Lincoln","startTime":238.26,"endTime":241.44,"body":"Miggins is actually better off"},{"speaker":"Nick Lincoln","startTime":241.44,"endTime":243.96,"body":"in the round. She's received"},{"speaker":"Nick Lincoln","startTime":241.44,"endTime":243.96,"body":"more income, who wants more"},{"speaker":"Nick Lincoln","startTime":243.96,"endTime":248.1,"body":"income at the age of 88. Anyway,"},{"speaker":"Nick Lincoln","startTime":243.96,"endTime":248.1,"body":"so I think we're just talking"},{"speaker":"Nick Lincoln","startTime":248.1,"endTime":250.08,"body":"about level annuities because"},{"speaker":"Nick Lincoln","startTime":248.1,"endTime":250.08,"body":"index linked annuities are waste"},{"speaker":"Nick Lincoln","startTime":250.08,"endTime":253.38,"body":"of time. You buy an index linked"},{"speaker":"Nick Lincoln","startTime":250.08,"endTime":253.38,"body":"annuity all these people say now"},{"speaker":"Nick Lincoln","startTime":253.38,"endTime":255.3,"body":"they should come back into the"},{"speaker":"Nick Lincoln","startTime":253.38,"endTime":255.3,"body":"fall when I just checks"},{"speaker":"Nick Lincoln","startTime":255.3,"endTime":259.05,"body":"inflation depending on which"},{"speaker":"Nick Lincoln","startTime":255.3,"endTime":259.05,"body":"measure you RPI. There's a"},{"speaker":"Nick Lincoln","startTime":259.05,"endTime":265.14,"body":"website I looked at 13.5% The"},{"speaker":"Nick Lincoln","startTime":259.05,"endTime":265.14,"body":"the increase in RPI from this"},{"speaker":"Nick Lincoln","startTime":265.14,"endTime":268.65,"body":"time last year to now you buy"},{"speaker":"Nick Lincoln","startTime":265.14,"endTime":268.65,"body":"level annuity, and you are"},{"speaker":"Nick Lincoln","startTime":268.68,"endTime":272.16,"body":"guaranteeing yourself a decline"},{"speaker":"Nick Lincoln","startTime":268.68,"endTime":272.16,"body":"of income of purchasing power,"},{"speaker":"Nick Lincoln","startTime":272.16,"endTime":274.95,"body":"which is anything that matters"},{"speaker":"Nick Lincoln","startTime":272.16,"endTime":274.95,"body":"of double digits and that's"},{"speaker":"Nick Lincoln","startTime":274.95,"endTime":277.56,"body":"locked in some other markets. We"},{"speaker":"Nick Lincoln","startTime":274.95,"endTime":277.56,"body":"have a temporary decline and you"},{"speaker":"Nick Lincoln","startTime":277.56,"endTime":279.93,"body":"can wait for that for the for"},{"speaker":"Nick Lincoln","startTime":277.56,"endTime":279.93,"body":"the opponent advanced regime."},{"speaker":"Nick Lincoln","startTime":280.11,"endTime":284.49,"body":"You buy a level annuity and you"},{"speaker":"Nick Lincoln","startTime":280.11,"endTime":284.49,"body":"are screwed. Very, very"},{"speaker":"Nick Lincoln","startTime":284.49,"endTime":288.9,"body":"simplistically, six grand"},{"speaker":"Nick Lincoln","startTime":284.49,"endTime":288.9,"body":"annuity after 30 years of"},{"speaker":"Nick Lincoln","startTime":288.9,"endTime":292.74,"body":"inflation at just 4% You've lost"},{"speaker":"Nick Lincoln","startTime":288.9,"endTime":292.74,"body":"two thirds of the purchasing"},{"speaker":"Nick Lincoln","startTime":292.74,"endTime":296.49,"body":"power of your money. So please"},{"speaker":"Nick Lincoln","startTime":292.74,"endTime":296.49,"body":"spare me the annuity stuff with"},{"speaker":"Nick Lincoln","startTime":296.49,"endTime":299.49,"body":"annuity rates gets too close to"},{"speaker":"Nick Lincoln","startTime":296.49,"endTime":299.49,"body":"double digits then I might just"},{"speaker":"Nick Lincoln","startTime":299.49,"endTime":303.69,"body":"be interested But the world has"},{"speaker":"Nick Lincoln","startTime":299.49,"endTime":303.69,"body":"moved on. And the longer that we"},{"speaker":"Nick Lincoln","startTime":303.69,"endTime":305.94,"body":"talk about these things, and"},{"speaker":"Nick Lincoln","startTime":303.69,"endTime":305.94,"body":"what real risk is, the longer we"},{"speaker":"Nick Lincoln","startTime":305.94,"endTime":308.85,"body":"understand that actually"},{"speaker":"Nick Lincoln","startTime":305.94,"endTime":308.85,"body":"investing for 30. For 30 years"},{"speaker":"Nick Lincoln","startTime":308.85,"endTime":310.77,"body":"for three decades, which is a"},{"speaker":"Nick Lincoln","startTime":308.85,"endTime":310.77,"body":"bog standard, typical"},{"speaker":"Nick Lincoln","startTime":310.77,"endTime":314.7,"body":"retirement, the safest thing you"},{"speaker":"Nick Lincoln","startTime":310.77,"endTime":314.7,"body":"can do is to own the great"},{"speaker":"Nick Lincoln","startTime":314.7,"endTime":317.82,"body":"companies of the world and not"},{"speaker":"Nick Lincoln","startTime":314.7,"endTime":317.82,"body":"to buy a fixed income. A fixed"},{"speaker":"Nick Lincoln","startTime":317.82,"endTime":321.84,"body":"income is a fixed outcome, and"},{"speaker":"Nick Lincoln","startTime":317.82,"endTime":321.84,"body":"it's poverty by design. There"},{"speaker":"Nick Lincoln","startTime":321.84,"endTime":323.67,"body":"you go. My thoughts are, then if"},{"speaker":"Nick Lincoln","startTime":321.84,"endTime":323.67,"body":"you want to add anything to"},{"speaker":"Nick Lincoln","startTime":323.67,"endTime":325.17,"body":"that, Andy, he might have"},{"speaker":"Nick Lincoln","startTime":323.67,"endTime":325.17,"body":"something to say,"},{"speaker":"Andy Hart","startTime":325.53,"endTime":327.87,"body":"I didn't know you"},{"speaker":"Andy Hart","startTime":325.53,"endTime":327.87,"body":"were so pro annuities, Nick. But"},{"speaker":"Andy Hart","startTime":328.2,"endTime":330.0,"body":"moving on from now I've got a"},{"speaker":"Andy Hart","startTime":328.2,"endTime":330.0,"body":"couple of points."},{"speaker":"Nick Lincoln","startTime":332.07,"endTime":332.88,"body":"I've changed over"},{"speaker":"Nick Lincoln","startTime":332.07,"endTime":332.88,"body":"the years,"},{"speaker":"Andy Hart","startTime":334.17,"endTime":336.6,"body":"I've been working on"},{"speaker":"Andy Hart","startTime":334.17,"endTime":336.6,"body":"a financial planning a project"},{"speaker":"Andy Hart","startTime":336.6,"endTime":339.33,"body":"with a client, it's quite a"},{"speaker":"Andy Hart","startTime":336.6,"endTime":339.33,"body":"complex situation, I'm not going"},{"speaker":"Andy Hart","startTime":339.33,"endTime":342.06,"body":"to go into too much detail. But"},{"speaker":"Andy Hart","startTime":339.33,"endTime":342.06,"body":"anyway, one of the financial"},{"speaker":"Andy Hart","startTime":342.06,"endTime":345.36,"body":"products solutions that have"},{"speaker":"Andy Hart","startTime":342.06,"endTime":345.36,"body":"been suggested, for the less"},{"speaker":"Andy Hart","startTime":345.36,"endTime":349.92,"body":"financially savvy partner is a"},{"speaker":"Andy Hart","startTime":345.36,"endTime":349.92,"body":"fixed term purchase life annuity"},{"speaker":"Andy Hart","startTime":349.92,"endTime":355.86,"body":"of 20 years. It provides 40,000"},{"speaker":"Andy Hart","startTime":349.92,"endTime":355.86,"body":"pounds a year, income escalated"},{"speaker":"Andy Hart","startTime":355.86,"endTime":359.25,"body":"a fixed amount of 3%."},{"speaker":"Andy Hart","startTime":355.86,"endTime":359.25,"body":"Financially, it's a very bad"},{"speaker":"Andy Hart","startTime":359.25,"endTime":363.09,"body":"deal in terms of the yield and"},{"speaker":"Andy Hart","startTime":359.25,"endTime":363.09,"body":"loss of capital, etc. But just"},{"speaker":"Andy Hart","startTime":363.09,"endTime":366.54,"body":"for simplicity for this person"},{"speaker":"Andy Hart","startTime":363.09,"endTime":366.54,"body":"that's not very financially"},{"speaker":"Andy Hart","startTime":366.54,"endTime":370.59,"body":"savvy for this income to just"},{"speaker":"Andy Hart","startTime":366.54,"endTime":370.59,"body":"trickle in, over the next 20"},{"speaker":"Andy Hart","startTime":370.59,"endTime":373.95,"body":"years during sort of a key"},{"speaker":"Andy Hart","startTime":370.59,"endTime":373.95,"body":"period of this person's life. So"},{"speaker":"Andy Hart","startTime":373.95,"endTime":377.25,"body":"that's my first point on"},{"speaker":"Andy Hart","startTime":373.95,"endTime":377.25,"body":"annuities so that they have a"},{"speaker":"Andy Hart","startTime":377.25,"endTime":381.75,"body":"place, but financially, usually,"},{"speaker":"Andy Hart","startTime":377.25,"endTime":381.75,"body":"it's a bad idea. But then in"},{"speaker":"Andy Hart","startTime":381.75,"endTime":385.08,"body":"terms of lifestyle and ease and"},{"speaker":"Andy Hart","startTime":381.75,"endTime":385.08,"body":"simplicity. Sometimes they come"},{"speaker":"Andy Hart","startTime":385.08,"endTime":387.24,"body":"into play, but yeah, in terms of"},{"speaker":"Andy Hart","startTime":385.08,"endTime":387.24,"body":"retirement planning for us and"},{"speaker":"Andy Hart","startTime":387.24,"endTime":390.33,"body":"our clients, it's, yeah,"},{"speaker":"Andy Hart","startTime":387.24,"endTime":390.33,"body":"generally, I agree with your"},{"speaker":"Andy Hart","startTime":390.36,"endTime":393.81,"body":"points, Nick, just to take the"},{"speaker":"Andy Hart","startTime":390.36,"endTime":393.81,"body":"yield of the footsie OSHA and"},{"speaker":"Andy Hart","startTime":393.81,"endTime":396.72,"body":"the footsie 100, which is a bad"},{"speaker":"Andy Hart","startTime":393.81,"endTime":396.72,"body":"proxy. But just to give you an"},{"speaker":"Andy Hart","startTime":396.72,"endTime":400.92,"body":"idea, the yield of the footsie"},{"speaker":"Andy Hart","startTime":396.72,"endTime":400.92,"body":"all share at the moment is 3.39"},{"speaker":"Andy Hart","startTime":400.92,"endTime":405.27,"body":"and the yield for the footsie."},{"speaker":"Andy Hart","startTime":400.92,"endTime":405.27,"body":"100 is 3.51. So if you just"},{"speaker":"Andy Hart","startTime":405.27,"endTime":408.75,"body":"said, Look, I'm just I'm happy"},{"speaker":"Andy Hart","startTime":405.27,"endTime":408.75,"body":"with my 3.3 and a half percent,"},{"speaker":"Andy Hart","startTime":409.38,"endTime":412.32,"body":"but your golden coins are going"},{"speaker":"Andy Hart","startTime":409.38,"endTime":412.32,"body":"to come back to you. So you buy"},{"speaker":"Andy Hart","startTime":412.32,"endTime":416.01,"body":"the share certificate for 100,"},{"speaker":"Andy Hart","startTime":412.32,"endTime":416.01,"body":"they'll pay you a yield of 3.5%."},{"speaker":"Andy Hart","startTime":416.28,"endTime":419.04,"body":"And that yield, because it's the"},{"speaker":"Andy Hart","startTime":416.28,"endTime":419.04,"body":"return and the profits of the"},{"speaker":"Andy Hart","startTime":419.25,"endTime":421.62,"body":"great companies of the UK"},{"speaker":"Andy Hart","startTime":419.25,"endTime":421.62,"body":"increases every year with"},{"speaker":"Andy Hart","startTime":421.62,"endTime":425.22,"body":"inflation actually outpaces"},{"speaker":"Andy Hart","startTime":421.62,"endTime":425.22,"body":"inflation long term. So there"},{"speaker":"Andy Hart","startTime":425.22,"endTime":427.68,"body":"are other alternatives, but then"},{"speaker":"Andy Hart","startTime":425.22,"endTime":427.68,"body":"they'll sell but Andy, there'll"},{"speaker":"Andy Hart","startTime":427.68,"endTime":429.57,"body":"be volunteers that, you know, be"},{"speaker":"Andy Hart","startTime":427.68,"endTime":429.57,"body":"volatile, but at the end of the"},{"speaker":"Andy Hart","startTime":429.57,"endTime":431.85,"body":"day, don't look at the capital"},{"speaker":"Andy Hart","startTime":429.57,"endTime":431.85,"body":"value. You know, the yield is"},{"speaker":"Andy Hart","startTime":431.85,"endTime":434.97,"body":"going to trickle in, and"},{"speaker":"Andy Hart","startTime":431.85,"endTime":434.97,"body":"there'll be some volatility with"},{"speaker":"Andy Hart","startTime":434.97,"endTime":437.79,"body":"the yield and return. There"},{"speaker":"Andy Hart","startTime":434.97,"endTime":437.79,"body":"might be some fees applied to"},{"speaker":"Andy Hart","startTime":437.79,"endTime":441.33,"body":"it. So it's not pure comparison."},{"speaker":"Andy Hart","startTime":437.79,"endTime":441.33,"body":"But yeah, just looking at it"},{"speaker":"Andy Hart","startTime":441.33,"endTime":446.19,"body":"like a dumb alternative. There"},{"speaker":"Andy Hart","startTime":441.33,"endTime":446.19,"body":"are slightly Yeah, is available."},{"speaker":"Andy Hart","startTime":446.46,"endTime":450.0,"body":"Yeah, yeah. And at the end, I"},{"speaker":"Andy Hart","startTime":446.46,"endTime":450.0,"body":"think, yeah, at the end of that"},{"speaker":"Andy Hart","startTime":450.0,"endTime":452.52,"body":"period, you still have the"},{"speaker":"Andy Hart","startTime":450.0,"endTime":452.52,"body":"capital growth of the footsie or"},{"speaker":"Andy Hart","startTime":452.52,"endTime":454.92,"body":"show the footsie 100 or"},{"speaker":"Andy Hart","startTime":452.52,"endTime":454.92,"body":"whatever? Yeah, I know that."},{"speaker":"Andy Hart","startTime":455.13,"endTime":457.95,"body":"Yeah. Anyway, that's, uh, any"},{"speaker":"Andy Hart","startTime":455.13,"endTime":457.95,"body":"final points on that, Nick?"},{"speaker":"Nick Lincoln","startTime":458.49,"endTime":460.86,"body":"Well, I mean, the"},{"speaker":"Nick Lincoln","startTime":458.49,"endTime":460.86,"body":"point, I was gonna just conclude"},{"speaker":"Nick Lincoln","startTime":460.86,"endTime":464.01,"body":"on there was that an escalating"},{"speaker":"Nick Lincoln","startTime":460.86,"endTime":464.01,"body":"annuity, the yield of 3.2% the"},{"speaker":"Nick Lincoln","startTime":464.01,"endTime":467.31,"body":"yield on the footsie a 3.2%"},{"speaker":"Nick Lincoln","startTime":464.01,"endTime":467.31,"body":"You're happy to spend the money"},{"speaker":"Nick Lincoln","startTime":467.88,"endTime":472.35,"body":"granularity if you have. Yeah,"},{"speaker":"Nick Lincoln","startTime":467.88,"endTime":472.35,"body":"so just just right. If you did"},{"speaker":"Nick Lincoln","startTime":472.35,"endTime":474.69,"body":"the same with the footsie all"},{"speaker":"Nick Lincoln","startTime":472.35,"endTime":474.69,"body":"share, just write that money"},{"speaker":"Nick Lincoln","startTime":474.69,"endTime":478.05,"body":"off? The same way you would have"},{"speaker":"Nick Lincoln","startTime":474.69,"endTime":478.05,"body":"done with an annuity. Right? And"},{"speaker":"Nick Lincoln","startTime":478.05,"endTime":480.45,"body":"then they come back in 30 years,"},{"speaker":"Nick Lincoln","startTime":478.05,"endTime":480.45,"body":"and just just see what where we"},{"speaker":"Nick Lincoln","startTime":480.45,"endTime":481.14,"body":"are right, I'm back, I"},{"speaker":"Andy Hart","startTime":482.25,"endTime":484.47,"body":"think you I think you"},{"speaker":"Andy Hart","startTime":482.25,"endTime":484.47,"body":"have three times your money,"},{"speaker":"Andy Hart","startTime":484.47,"endTime":487.32,"body":"neck three or four times your"},{"speaker":"Andy Hart","startTime":484.47,"endTime":487.32,"body":"money from doing nothing. Forget"},{"speaker":"Andy Hart","startTime":487.32,"endTime":490.29,"body":"Oh, gives a Frick about the"},{"speaker":"Andy Hart","startTime":487.32,"endTime":490.29,"body":"volatility. Over to you, Alan, I"},{"speaker":"Andy Hart","startTime":490.29,"endTime":490.92,"body":"think next maybe"},{"speaker":"Alan Smith","startTime":491.1,"endTime":494.91,"body":"there? Well, the"},{"speaker":"Alan Smith","startTime":491.1,"endTime":494.91,"body":"only thing that you are missing"},{"speaker":"Alan Smith","startTime":494.91,"endTime":498.6,"body":"from that conversation is that"},{"speaker":"Alan Smith","startTime":494.91,"endTime":498.6,"body":"humans are not rational. And the"},{"speaker":"Alan Smith","startTime":498.6,"endTime":502.8,"body":"word guarantee is worth is the"},{"speaker":"Alan Smith","startTime":498.6,"endTime":502.8,"body":"word guarantees worth a lot to"},{"speaker":"Alan Smith","startTime":502.8,"endTime":508.2,"body":"some people. And, you know, we"},{"speaker":"Alan Smith","startTime":502.8,"endTime":508.2,"body":"speak from a position of this"},{"speaker":"Alan Smith","startTime":508.26,"endTime":511.44,"body":"curse of knowledge. And we say,"},{"speaker":"Alan Smith","startTime":508.26,"endTime":511.44,"body":"well, it's fine. Marcus will"},{"speaker":"Alan Smith","startTime":511.44,"endTime":513.57,"body":"come back, don't worry. But you"},{"speaker":"Alan Smith","startTime":511.44,"endTime":513.57,"body":"know, there are people who are"},{"speaker":"Alan Smith","startTime":513.57,"endTime":516.66,"body":"of a certain age in certain"},{"speaker":"Alan Smith","startTime":513.57,"endTime":516.66,"body":"circumstances in their life,"},{"speaker":"Alan Smith","startTime":516.66,"endTime":520.17,"body":"maybe they are widows, maybe"},{"speaker":"Alan Smith","startTime":516.66,"endTime":520.17,"body":"they're single people haven't"},{"speaker":"Alan Smith","startTime":520.17,"endTime":522.66,"body":"got a lot of family support. And"},{"speaker":"Alan Smith","startTime":520.17,"endTime":522.66,"body":"to say that I will guarantee you"},{"speaker":"Alan Smith","startTime":522.66,"endTime":525.54,"body":"for the rest of your life, you"},{"speaker":"Alan Smith","startTime":522.66,"endTime":525.54,"body":"will get this amount of income"},{"speaker":"Alan Smith","startTime":526.08,"endTime":528.66,"body":"and the all the other things"},{"speaker":"Alan Smith","startTime":526.08,"endTime":528.66,"body":"pale into insignificance. And"},{"speaker":"Alan Smith","startTime":528.66,"endTime":530.13,"body":"they haven't maybe you haven't"},{"speaker":"Alan Smith","startTime":528.66,"endTime":530.13,"body":"got children, maybe they"},{"speaker":"Alan Smith","startTime":530.13,"endTime":534.03,"body":"haven't. There's so there are"},{"speaker":"Alan Smith","startTime":530.13,"endTime":534.03,"body":"circumstances and I agree the"},{"speaker":"Alan Smith","startTime":534.03,"endTime":537.0,"body":"few and far between. But there"},{"speaker":"Alan Smith","startTime":534.03,"endTime":537.0,"body":"are some circumstances where an"},{"speaker":"Alan Smith","startTime":537.0,"endTime":541.02,"body":"absolute locked in guarantee is"},{"speaker":"Alan Smith","startTime":537.0,"endTime":541.02,"body":"worth something, even if it's"},{"speaker":"Alan Smith","startTime":541.02,"endTime":543.24,"body":"from a peace of mind viewpoint"},{"speaker":"Alan Smith","startTime":541.02,"endTime":543.24,"body":"and nothing else."},{"speaker":"Nick Lincoln","startTime":544.409,"endTime":548.549,"body":"column will come"},{"speaker":"Nick Lincoln","startTime":544.409,"endTime":548.549,"body":"to Congress second. Just a new"},{"speaker":"Nick Lincoln","startTime":548.549,"endTime":550.799,"body":"witness to me if it didn't"},{"speaker":"Nick Lincoln","startTime":548.549,"endTime":550.799,"body":"exist, no one would invent them."},{"speaker":"Nick Lincoln","startTime":550.979,"endTime":551.249,"body":"Right."},{"speaker":"Alan Smith","startTime":551.549,"endTime":553.679,"body":"I disagree. They're"},{"speaker":"Alan Smith","startTime":551.549,"endTime":553.679,"body":"an insurance policy, their"},{"speaker":"Alan Smith","startTime":553.679,"endTime":556.499,"body":"insurance policy against living"},{"speaker":"Alan Smith","startTime":553.679,"endTime":556.499,"body":"too long. They absolutely are."},{"speaker":"Alan Smith","startTime":556.829,"endTime":560.789,"body":"Which mean, they are? I think"},{"speaker":"Alan Smith","startTime":556.829,"endTime":560.789,"body":"there are there are there are"},{"speaker":"Alan Smith","startTime":560.789,"endTime":562.559,"body":"things which could happen in the"},{"speaker":"Alan Smith","startTime":560.789,"endTime":562.559,"body":"future."},{"speaker":"Nick Lincoln","startTime":563.399,"endTime":565.949,"body":"The world's change"},{"speaker":"Nick Lincoln","startTime":563.399,"endTime":565.949,"body":"made pension freedoms in the end"},{"speaker":"Nick Lincoln","startTime":565.979,"endTime":569.369,"body":"and awful annuity rates and a"},{"speaker":"Nick Lincoln","startTime":565.979,"endTime":569.369,"body":"greater understanding of the"},{"speaker":"Nick Lincoln","startTime":569.369,"endTime":571.859,"body":"markets and easy access to low"},{"speaker":"Nick Lincoln","startTime":569.369,"endTime":571.859,"body":"cost investments. The world has"},{"speaker":"Nick Lincoln","startTime":571.859,"endTime":574.589,"body":"changed annuities. That's when"},{"speaker":"Nick Lincoln","startTime":571.859,"endTime":574.589,"body":"was the last time anyone here"},{"speaker":"Nick Lincoln","startTime":574.589,"endTime":576.419,"body":"recommended the purchase life"},{"speaker":"Nick Lincoln","startTime":574.589,"endTime":576.419,"body":"annuity because you can sell"},{"speaker":"Nick Lincoln","startTime":576.419,"endTime":576.809,"body":"them every day."},{"speaker":"Alan Smith","startTime":576.899,"endTime":580.049,"body":"Andrew Hart just he"},{"speaker":"Alan Smith","startTime":576.899,"endTime":580.049,"body":"just he just recommended one I"},{"speaker":"Alan Smith","startTime":580.049,"endTime":580.259,"body":"didn't"},{"speaker":"Nick Lincoln","startTime":582.45,"endTime":583.77,"body":"know where you"},{"speaker":"Nick Lincoln","startTime":582.45,"endTime":583.77,"body":"where you convert cash in the"},{"speaker":"Nick Lincoln","startTime":583.77,"endTime":585.75,"body":"bank call?"},{"speaker":"Carl Widger","startTime":586.86,"endTime":590.34,"body":"Yeah, I like Alan's"},{"speaker":"Carl Widger","startTime":586.86,"endTime":590.34,"body":"point is, is is the most"},{"speaker":"Carl Widger","startTime":590.34,"endTime":593.52,"body":"important one here like Thank"},{"speaker":"Carl Widger","startTime":590.34,"endTime":593.52,"body":"you. None of none of these"},{"speaker":"Carl Widger","startTime":593.55,"endTime":599.34,"body":"problems would exist if it"},{"speaker":"Carl Widger","startTime":593.55,"endTime":599.34,"body":"wasn't for the human behavior"},{"speaker":"Carl Widger","startTime":599.37,"endTime":603.15,"body":"issue here. which is, you know,"},{"speaker":"Carl Widger","startTime":599.37,"endTime":603.15,"body":"I would love to talk to you"},{"speaker":"Carl Widger","startTime":603.18,"endTime":607.62,"body":"about you giving me some return"},{"speaker":"Carl Widger","startTime":603.18,"endTime":607.62,"body":"and, and you guaranteeing my"},{"speaker":"Carl Widger","startTime":607.62,"endTime":611.61,"body":"money. That's why structure"},{"speaker":"Carl Widger","startTime":607.62,"endTime":611.61,"body":"products exist. You know, it"},{"speaker":"Carl Widger","startTime":611.61,"endTime":615.18,"body":"just is what it is. I think it's"},{"speaker":"Carl Widger","startTime":611.61,"endTime":615.18,"body":"incumbent on us to try and bring"},{"speaker":"Carl Widger","startTime":615.18,"endTime":618.54,"body":"people on the journey with us"},{"speaker":"Carl Widger","startTime":615.18,"endTime":618.54,"body":"and take your time to try and"},{"speaker":"Carl Widger","startTime":618.54,"endTime":622.53,"body":"explain, you know, the"},{"speaker":"Carl Widger","startTime":618.54,"endTime":622.53,"body":"differences between investing in"},{"speaker":"Carl Widger","startTime":622.8,"endTime":626.31,"body":"the great companies of the world"},{"speaker":"Carl Widger","startTime":622.8,"endTime":626.31,"body":"versus any of these guaranteed"},{"speaker":"Carl Widger","startTime":626.31,"endTime":630.87,"body":"capital guaranteed products are"},{"speaker":"Carl Widger","startTime":626.31,"endTime":630.87,"body":"guaranteed income products. So,"},{"speaker":"Carl Widger","startTime":630.9,"endTime":634.53,"body":"yeah, I yeah, they're they're"},{"speaker":"Carl Widger","startTime":630.9,"endTime":634.53,"body":"mostly terrible, aren't they?"},{"speaker":"Carl Widger","startTime":635.46,"endTime":640.62,"body":"But they do exist. And, and the"},{"speaker":"Carl Widger","startTime":635.46,"endTime":640.62,"body":"flip side of it is that, why do"},{"speaker":"Carl Widger","startTime":640.62,"endTime":642.66,"body":"some advisors recommend them?"},{"speaker":"Nick Lincoln","startTime":643.59,"endTime":646.89,"body":"Nice. Commission?"},{"speaker":"Nick Lincoln","startTime":643.59,"endTime":646.89,"body":"Well, that's, that's, that's a"},{"speaker":"Nick Lincoln","startTime":647.01,"endTime":648.99,"body":"question I was gonna ask you. We"},{"speaker":"Nick Lincoln","startTime":647.01,"endTime":648.99,"body":"got Carl. I mean, how often do"},{"speaker":"Nick Lincoln","startTime":648.99,"endTime":652.26,"body":"you the guys at Metis Metis."},{"speaker":"Nick Lincoln","startTime":648.99,"endTime":652.26,"body":"Norway, how often do you do you"},{"speaker":"Nick Lincoln","startTime":653.46,"endTime":656.01,"body":"ratio annuities to draw down is"},{"speaker":"Carl Widger","startTime":656.969,"endTime":661.949,"body":"I would safely say,"},{"speaker":"Carl Widger","startTime":656.969,"endTime":661.949,"body":"I can't remember if we've ever"},{"speaker":"Carl Widger","startTime":661.949,"endTime":667.529,"body":"done one. So that's a fact. That"},{"speaker":"Carl Widger","startTime":661.949,"endTime":667.529,"body":"is a fact. However, like, why"},{"speaker":"Carl Widger","startTime":667.529,"endTime":670.709,"body":"were annuities invented? You"},{"speaker":"Carl Widger","startTime":667.529,"endTime":670.709,"body":"used to have to buy an annuity"},{"speaker":"Carl Widger","startTime":670.709,"endTime":674.249,"body":"which yes, so yeah, I was at the"},{"speaker":"Carl Widger","startTime":670.709,"endTime":674.249,"body":"same over there yet. Okay. Yes,"},{"speaker":"Carl Widger","startTime":674.249,"endTime":679.019,"body":"yeah. So, but like, have we I"},{"speaker":"Carl Widger","startTime":674.249,"endTime":679.019,"body":"can absolutely 100% tell you"},{"speaker":"Carl Widger","startTime":679.259,"endTime":682.409,"body":"that we have never ever done a"},{"speaker":"Carl Widger","startTime":679.259,"endTime":682.409,"body":"PLA. There might have been a"},{"speaker":"Carl Widger","startTime":682.409,"endTime":686.429,"body":"couple of CPAs done, whereby"},{"speaker":"Carl Widger","startTime":682.409,"endTime":686.429,"body":"people were guaranteed, like,"},{"speaker":"Carl Widger","startTime":686.429,"endTime":689.309,"body":"you know, 12% annuity rates"},{"speaker":"Carl Widger","startTime":686.429,"endTime":689.309,"body":"through it all with profit funds"},{"speaker":"Carl Widger","startTime":689.309,"endTime":692.219,"body":"and all that kind of stuff. But"},{"speaker":"Carl Widger","startTime":689.309,"endTime":692.219,"body":"that would be absolutely the"},{"speaker":"Carl Widger","startTime":692.219,"endTime":692.549,"body":"size of"},{"speaker":"Andy Hart","startTime":692.549,"endTime":694.439,"body":"it. Just to get"},{"speaker":"Andy Hart","startTime":692.549,"endTime":694.439,"body":"technical on the PLA I've done"},{"speaker":"Andy Hart","startTime":694.439,"endTime":697.589,"body":"PLA So for people that are"},{"speaker":"Andy Hart","startTime":694.439,"endTime":697.589,"body":"getting care in the home, so"},{"speaker":"Andy Hart","startTime":697.589,"endTime":700.169,"body":"it's like a care annuity, but"},{"speaker":"Andy Hart","startTime":697.589,"endTime":700.169,"body":"it's not paid to a care home. So"},{"speaker":"Andy Hart","startTime":700.169,"endTime":703.409,"body":"anyway, that's a technical"},{"speaker":"Andy Hart","startTime":700.169,"endTime":703.409,"body":"point. Have we done annuities"},{"speaker":"Andy Hart","startTime":703.409,"endTime":704.129,"body":"into the ground?"},{"speaker":"Nick Lincoln","startTime":736.03,"endTime":738.49,"body":"I think we've had"},{"speaker":"Nick Lincoln","startTime":736.03,"endTime":738.49,"body":"a tremendously exciting start"},{"speaker":"Nick Lincoln","startTime":738.49,"endTime":739.87,"body":"the show talking about"},{"speaker":"Nick Lincoln","startTime":738.49,"endTime":739.87,"body":"annuities."},{"speaker":"Alan Smith","startTime":741.49,"endTime":744.8199999999999,"body":"I'm glad glad to see"},{"speaker":"Alan Smith","startTime":741.49,"endTime":744.8199999999999,"body":"that you are as flexible and"},{"speaker":"Alan Smith","startTime":744.8199999999999,"endTime":747.37,"body":"open minded as ever. Mr."},{"speaker":"Alan Smith","startTime":744.8199999999999,"endTime":747.37,"body":"Lincoln. Thank you. What's the"},{"speaker":"Alan Smith","startTime":747.37,"endTime":748.93,"body":"next? We could disagree with?"},{"speaker":"Nick Lincoln","startTime":749.169,"endTime":752.3489999999999,"body":"I might put you"},{"speaker":"Nick Lincoln","startTime":749.169,"endTime":752.3489999999999,"body":"out right. Mr. Hart trapped in"},{"speaker":"Nick Lincoln","startTime":752.3489999999999,"endTime":753.0989999999999,"body":"the wild."},{"speaker":"Andy Hart","startTime":753.579,"endTime":756.519,"body":"Yeah, this was I was"},{"speaker":"Andy Hart","startTime":753.579,"endTime":756.519,"body":"in Manchester in altering them."},{"speaker":"Andy Hart","startTime":756.519,"endTime":760.2389999999999,"body":"I won't say the firm but I did a"},{"speaker":"Andy Hart","startTime":756.519,"endTime":760.2389999999999,"body":"sort of workshop last week. 50"},{"speaker":"Andy Hart","startTime":760.2389999999999,"endTime":763.779,"body":"people lots of fun. About two"},{"speaker":"Andy Hart","startTime":760.2389999999999,"endTime":763.779,"body":"and a half hours. Lots of people"},{"speaker":"Andy Hart","startTime":763.779,"endTime":768.399,"body":"in the room were Trappists young"},{"speaker":"Andy Hart","startTime":763.779,"endTime":768.399,"body":"advisors, old advisors. So it's"},{"speaker":"Andy Hart","startTime":768.399,"endTime":771.7289999999999,"body":"great to meet some real trap"},{"speaker":"Andy Hart","startTime":768.399,"endTime":771.7289999999999,"body":"it's out there in the real"},{"speaker":"Andy Hart","startTime":771.7289999999999,"endTime":776.769,"body":"world. Yeah, so yeah, shout out"},{"speaker":"Andy Hart","startTime":771.7289999999999,"endTime":776.769,"body":"to you guys and altering of who"},{"speaker":"Andy Hart","startTime":776.769,"endTime":780.669,"body":"were who I was seeing last week."},{"speaker":"Andy Hart","startTime":776.769,"endTime":780.669,"body":"And you also have a story don't"},{"speaker":"Andy Hart","startTime":780.669,"endTime":782.8589999999999,"body":"you Nick about TRAPPIST in the"},{"speaker":"Andy Hart","startTime":780.669,"endTime":782.8589999999999,"body":"wild."},{"speaker":"Nick Lincoln","startTime":783.309,"endTime":785.4689999999999,"body":"Well, I did I was"},{"speaker":"Nick Lincoln","startTime":783.309,"endTime":785.4689999999999,"body":"I was I was walking through my"},{"speaker":"Nick Lincoln","startTime":785.4689999999999,"endTime":789.9989999999999,"body":"local Park on Sunday morning and"},{"speaker":"Nick Lincoln","startTime":785.4689999999999,"endTime":789.9989999999999,"body":"a bit of a metaphor for my life"},{"speaker":"Nick Lincoln","startTime":789.9989999999999,"endTime":792.699,"body":"really, because I was walking"},{"speaker":"Nick Lincoln","startTime":789.9989999999999,"endTime":792.699,"body":"one way and this whole crowd of"},{"speaker":"Nick Lincoln","startTime":792.699,"endTime":796.569,"body":"people running the, towards me."},{"speaker":"Nick Lincoln","startTime":792.699,"endTime":796.569,"body":"And I was the only person going"},{"speaker":"Nick Lincoln","startTime":796.569,"endTime":799.059,"body":"against the grain and I wasn't"},{"speaker":"Nick Lincoln","startTime":796.569,"endTime":799.059,"body":"particularly popular. But it was"},{"speaker":"Nick Lincoln","startTime":799.059,"endTime":801.639,"body":"one of these parkrun things and"},{"speaker":"Nick Lincoln","startTime":799.059,"endTime":801.639,"body":"then they go around the UK. I'm"},{"speaker":"Nick Lincoln","startTime":801.639,"endTime":803.169,"body":"not sure we have them in"},{"speaker":"Nick Lincoln","startTime":801.639,"endTime":803.169,"body":"Ireland, but every Sunday"},{"speaker":"Nick Lincoln","startTime":803.169,"endTime":805.329,"body":"they're kind of loosely"},{"speaker":"Nick Lincoln","startTime":803.169,"endTime":805.329,"body":"organized, aren't they? And I"},{"speaker":"Nick Lincoln","startTime":805.329,"endTime":807.9689999999999,"body":"was just minding my business"},{"speaker":"Nick Lincoln","startTime":805.329,"endTime":807.9689999999999,"body":"this guy shout out to me because"},{"speaker":"Nick Lincoln","startTime":807.9689999999999,"endTime":810.0989999999999,"body":"Nick has he runs by and I"},{"speaker":"Nick Lincoln","startTime":807.9689999999999,"endTime":810.0989999999999,"body":"recognize this guy. I'm only"},{"speaker":"Nick Lincoln","startTime":811.1189999999999,"endTime":814.569,"body":"1970s and we're we're we're"},{"speaker":"Nick Lincoln","startTime":811.1189999999999,"endTime":814.569,"body":"friends."},{"speaker":"Alan Smith","startTime":816.2189999999999,"endTime":817.809,"body":"Nick Can I buy an"},{"speaker":"Alan Smith","startTime":816.2189999999999,"endTime":817.809,"body":"annuity?"},{"speaker":"Nick Lincoln","startTime":820.48,"endTime":823.5999999999999,"body":"My point because"},{"speaker":"Nick Lincoln","startTime":820.48,"endTime":823.5999999999999,"body":"they therefore I'm right."},{"speaker":"Carl Widger","startTime":825.49,"endTime":827.8,"body":"He might have said"},{"speaker":"Carl Widger","startTime":825.49,"endTime":827.8,"body":"Nick Can you guarantee my money?"},{"speaker":"Carl Widger","startTime":827.92,"endTime":828.55,"body":"Yeah."},{"speaker":"Alan Smith","startTime":829.9,"endTime":830.7099999999999,"body":"What did he say?"},{"speaker":"Nick Lincoln","startTime":831.0989999999999,"endTime":833.1089999999999,"body":"Well he he"},{"speaker":"Nick Lincoln","startTime":831.0989999999999,"endTime":833.1089999999999,"body":"couldn't say much cuz he was"},{"speaker":"Nick Lincoln","startTime":833.1089999999999,"endTime":834.9989999999999,"body":"running away from me as most"},{"speaker":"Nick Lincoln","startTime":833.1089999999999,"endTime":834.9989999999999,"body":"people tend to do. But"},{"speaker":"Nick Lincoln","startTime":834.9989999999999,"endTime":837.789,"body":"afterwards it after he finished"},{"speaker":"Nick Lincoln","startTime":834.9989999999999,"endTime":837.789,"body":"his peace park run he we had a"},{"speaker":"Nick Lincoln","startTime":837.789,"endTime":841.029,"body":"chat on the phone and he said,"},{"speaker":"Nick Lincoln","startTime":837.789,"endTime":841.029,"body":"Yeah, I still listen to your"},{"speaker":"Nick Lincoln","startTime":841.029,"endTime":845.079,"body":"podcast. I'm thinking podcast."},{"speaker":"Nick Lincoln","startTime":841.029,"endTime":845.079,"body":"The money activist for that"},{"speaker":"Nick Lincoln","startTime":845.079,"endTime":847.209,"body":"finished couple years ago. They"},{"speaker":"Nick Lincoln","startTime":845.079,"endTime":847.209,"body":"said no one listened to the real"},{"speaker":"Nick Lincoln","startTime":847.209,"endTime":850.2389999999999,"body":"advisor podcast now this this"},{"speaker":"Nick Lincoln","startTime":847.209,"endTime":850.2389999999999,"body":"chap, he's not in our thing. He"},{"speaker":"Nick Lincoln","startTime":850.2389999999999,"endTime":852.459,"body":"doesn't do this thing of ours."},{"speaker":"Nick Lincoln","startTime":850.2389999999999,"endTime":852.459,"body":"He's a teacher. He owns his own"},{"speaker":"Nick Lincoln","startTime":852.459,"endTime":855.9989999999999,"body":"company assigned each company so"},{"speaker":"Nick Lincoln","startTime":852.459,"endTime":855.9989999999999,"body":"hoarding. football ground seems"},{"speaker":"Nick Lincoln","startTime":855.9989999999999,"endTime":859.509,"body":"to be what he's a. He's a proper"},{"speaker":"Nick Lincoln","startTime":855.9989999999999,"endTime":859.509,"body":"job. Yeah, exactly. So he's been"},{"speaker":"Nick Lincoln","startTime":859.509,"endTime":862.059,"body":"in this, this the trap. He likes"},{"speaker":"Nick Lincoln","startTime":859.509,"endTime":862.059,"body":"the banter. And now and again,"},{"speaker":"Nick Lincoln","startTime":862.059,"endTime":864.819,"body":"he picks up the the old nuggets."},{"speaker":"Nick Lincoln","startTime":862.059,"endTime":864.819,"body":"So it's interesting how,"},{"speaker":"Nick Lincoln","startTime":864.939,"endTime":867.639,"body":"although this is obviously is"},{"speaker":"Nick Lincoln","startTime":864.939,"endTime":867.639,"body":"aimed at the advice community,"},{"speaker":"Nick Lincoln","startTime":868.029,"endTime":871.209,"body":"it's in little ways it seems to"},{"speaker":"Nick Lincoln","startTime":868.029,"endTime":871.209,"body":"sort of leak out and"},{"speaker":"Nick Lincoln","startTime":871.209,"endTime":872.6189999999999,"body":"transcendent into the wider"},{"speaker":"Nick Lincoln","startTime":871.209,"endTime":872.6189999999999,"body":"thing, which"},{"speaker":"Alan Smith","startTime":872.62,"endTime":876.28,"body":"is not there's,"},{"speaker":"Alan Smith","startTime":872.62,"endTime":876.28,"body":"there's there's a guy at the gym"},{"speaker":"Alan Smith","startTime":876.28,"endTime":879.43,"body":"I go to and he's and he's runs a"},{"speaker":"Alan Smith","startTime":876.28,"endTime":879.43,"body":"marketing agency. And I've spent"},{"speaker":"Alan Smith","startTime":879.43,"endTime":881.65,"body":"I just know him a little bit"},{"speaker":"Alan Smith","startTime":879.43,"endTime":881.65,"body":"socially. And he's he said, as"},{"speaker":"Alan Smith","startTime":881.65,"endTime":884.14,"body":"well, I love your podcasts. And"},{"speaker":"Alan Smith","startTime":881.65,"endTime":884.14,"body":"I thought it was the other"},{"speaker":"Alan Smith","startTime":884.14,"endTime":887.65,"body":"podcast bulletproof"},{"speaker":"Alan Smith","startTime":884.14,"endTime":887.65,"body":"entrepreneur. And he said, no,"},{"speaker":"Alan Smith","startTime":887.65,"endTime":889.6899999999999,"body":"no. So what were you were your"},{"speaker":"Alan Smith","startTime":887.65,"endTime":889.6899999999999,"body":"mates on it? So I think it's"},{"speaker":"Alan Smith","startTime":889.6899999999999,"endTime":894.4599999999999,"body":"it's really it's really funny,"},{"speaker":"Alan Smith","startTime":889.6899999999999,"endTime":894.4599999999999,"body":"he said, which is interesting,"},{"speaker":"Alan Smith","startTime":894.4599999999999,"endTime":897.76,"body":"isn't it? So we are there's a"},{"speaker":"Alan Smith","startTime":894.4599999999999,"endTime":897.76,"body":"wider audience I think than just"},{"speaker":"Alan Smith","startTime":897.79,"endTime":900.01,"body":"financial services folk, which"},{"speaker":"Alan Smith","startTime":897.79,"endTime":900.01,"body":"is quite interesting."},{"speaker":"Nick Lincoln","startTime":900.79,"endTime":903.2199999999999,"body":"Now at the start"},{"speaker":"Nick Lincoln","startTime":900.79,"endTime":903.2199999999999,"body":"of the show, and Andy read out"},{"speaker":"Nick Lincoln","startTime":903.2199999999999,"endTime":905.8299999999999,"body":"some reviews and one of the"},{"speaker":"Nick Lincoln","startTime":903.2199999999999,"endTime":905.8299999999999,"body":"reviews said this is like the"},{"speaker":"Nick Lincoln","startTime":905.89,"endTime":909.25,"body":"best bit about conferences are"},{"speaker":"Nick Lincoln","startTime":905.89,"endTime":909.25,"body":"the sort of breakout sessions in"},{"speaker":"Nick Lincoln","startTime":909.25,"endTime":911.41,"body":"between where you're natter with"},{"speaker":"Nick Lincoln","startTime":909.25,"endTime":911.41,"body":"your mates and your peers over"},{"speaker":"Nick Lincoln","startTime":911.77,"endTime":914.86,"body":"over a coffee or maybe a warm"},{"speaker":"Nick Lincoln","startTime":911.77,"endTime":914.86,"body":"Sherry at the end of the day."},{"speaker":"Nick Lincoln","startTime":915.9699999999999,"endTime":920.3499999999999,"body":"And your conference, Mr. Hart I"},{"speaker":"Nick Lincoln","startTime":915.9699999999999,"endTime":920.3499999999999,"body":"understand that this is in the"},{"speaker":"Nick Lincoln","startTime":920.3499999999999,"endTime":923.5,"body":"is in the diary. Yeah, correct"},{"speaker":"Nick Lincoln","startTime":920.3499999999999,"endTime":923.5,"body":"segues nicely there and he tells"},{"speaker":"Nick Lincoln","startTime":923.5,"endTime":923.9499999999999,"body":"about him"},{"speaker":"Andy Hart","startTime":923.949,"endTime":925.9889999999999,"body":"very good. Yeah, I've"},{"speaker":"Andy Hart","startTime":923.949,"endTime":925.9889999999999,"body":"got he was under management"},{"speaker":"Andy Hart","startTime":925.9889999999999,"endTime":931.509,"body":"London on the ninth of November"},{"speaker":"Andy Hart","startTime":925.9889999999999,"endTime":931.509,"body":"instead to London, I've got 12"},{"speaker":"Andy Hart","startTime":931.509,"endTime":935.409,"body":"speakers. We've got exhibitors,"},{"speaker":"Andy Hart","startTime":931.509,"endTime":935.409,"body":"and then I'm hoping for 300 Live"},{"speaker":"Andy Hart","startTime":935.409,"endTime":939.009,"body":"delegates and 200 live stream"},{"speaker":"Andy Hart","startTime":935.409,"endTime":939.009,"body":"delegates. So yeah, the tickets"},{"speaker":"Andy Hart","startTime":939.009,"endTime":943.689,"body":"are launching, they are live now"},{"speaker":"Andy Hart","startTime":939.009,"endTime":943.689,"body":"I'm selling them very well."},{"speaker":"Andy Hart","startTime":943.7189999999999,"endTime":946.929,"body":"They're selling really well. I'm"},{"speaker":"Andy Hart","startTime":943.7189999999999,"endTime":946.929,"body":"approaching about 200 tickets"},{"speaker":"Andy Hart","startTime":946.929,"endTime":949.7489999999999,"body":"sold, and I'm getting emails all"},{"speaker":"Andy Hart","startTime":946.929,"endTime":949.7489999999999,"body":"the time about bulk booking. So"},{"speaker":"Andy Hart","startTime":949.8389999999999,"endTime":952.569,"body":"I'm very, very confident I'm"},{"speaker":"Andy Hart","startTime":949.8389999999999,"endTime":952.569,"body":"going to sell this out,"},{"speaker":"Andy Hart","startTime":952.5989999999999,"endTime":955.7189999999999,"body":"hopefully many months before."},{"speaker":"Andy Hart","startTime":952.5989999999999,"endTime":955.7189999999999,"body":"But yeah, I've got tickets"},{"speaker":"Andy Hart","startTime":955.7189999999999,"endTime":957.7289999999999,"body":"available the moment go to"},{"speaker":"Andy Hart","startTime":955.7189999999999,"endTime":957.7289999999999,"body":"humans under management.com and"},{"speaker":"Andy Hart","startTime":957.7289999999999,"endTime":960.189,"body":"follow the links. And then"},{"speaker":"Andy Hart","startTime":957.7289999999999,"endTime":960.189,"body":"hopefully, you can buy a ticket."},{"speaker":"Andy Hart","startTime":960.4889999999999,"endTime":962.9789999999999,"body":"I don't have any sort of trap"},{"speaker":"Andy Hart","startTime":960.4889999999999,"endTime":962.9789999999999,"body":"discounts, because we're not"},{"speaker":"Andy Hart","startTime":962.9789999999999,"endTime":966.819,"body":"that organized here. But maybe"},{"speaker":"Andy Hart","startTime":962.9789999999999,"endTime":966.819,"body":"next time, we can do that. And"},{"speaker":"Andy Hart","startTime":966.819,"endTime":970.779,"body":"then South Africa will be"},{"speaker":"Andy Hart","startTime":966.819,"endTime":970.779,"body":"selling I think next week, South"},{"speaker":"Andy Hart","startTime":970.779,"endTime":975.639,"body":"Africa is on the 19th of"},{"speaker":"Andy Hart","startTime":970.779,"endTime":975.639,"body":"September. So anyway, that's"},{"speaker":"Andy Hart","startTime":975.789,"endTime":977.5889999999999,"body":"enough about that. So yeah, if"},{"speaker":"Andy Hart","startTime":975.789,"endTime":977.5889999999999,"body":"you want to get a ticket, go to"},{"speaker":"Andy Hart","startTime":977.5889999999999,"endTime":980.2289999999999,"body":"humans on a management.com and"},{"speaker":"Andy Hart","startTime":977.5889999999999,"endTime":980.2289999999999,"body":"follow the links and buy a"},{"speaker":"Andy Hart","startTime":980.2289999999999,"endTime":983.2289999999999,"body":"ticket and come along to I"},{"speaker":"Andy Hart","startTime":980.2289999999999,"endTime":983.2289999999999,"body":"believe the premier conference"},{"speaker":"Andy Hart","startTime":983.2289999999999,"endTime":986.439,"body":"for financial advisors in the"},{"speaker":"Andy Hart","startTime":983.2289999999999,"endTime":986.439,"body":"UK. I think this is gonna be my"},{"speaker":"Andy Hart","startTime":986.439,"endTime":991.569,"body":"13th show the one in London. So"},{"speaker":"Andy Hart","startTime":986.439,"endTime":991.569,"body":"yeah, a well oiled conference"},{"speaker":"Andy Hart","startTime":991.5989999999999,"endTime":996.669,"body":"machine. Yeah, I want the talks"},{"speaker":"Andy Hart","startTime":991.5989999999999,"endTime":996.669,"body":"to be worth coming. But yeah,"},{"speaker":"Andy Hart","startTime":996.669,"endTime":999.699,"body":"certainly mingling and"},{"speaker":"Andy Hart","startTime":996.669,"endTime":999.699,"body":"socializing with your peers is"},{"speaker":"Andy Hart","startTime":1000.1189999999999,"endTime":1002.9989999999999,"body":"where a lot of good stuff"},{"speaker":"Andy Hart","startTime":1000.1189999999999,"endTime":1002.9989999999999,"body":"happens. So yeah, that's it back"},{"speaker":"Andy Hart","startTime":1002.9989999999999,"endTime":1003.929,"body":"to you, Nick."},{"speaker":"Nick Lincoln","startTime":1005.25,"endTime":1008.9699999999999,"body":"And, and we do"},{"speaker":"Nick Lincoln","startTime":1005.25,"endTime":1008.9699999999999,"body":"tend to be very well oiled at"},{"speaker":"Nick Lincoln","startTime":1008.9699999999999,"endTime":1012.4499999999999,"body":"the end of the hump day. Right."},{"speaker":"Nick Lincoln","startTime":1008.9699999999999,"endTime":1012.4499999999999,"body":"So this is an interesting one,"},{"speaker":"Nick Lincoln","startTime":1012.4499999999999,"endTime":1015.27,"body":"Mr. Smith, you put us on I think"},{"speaker":"Nick Lincoln","startTime":1012.4499999999999,"endTime":1015.27,"body":"it was either put us onto this"},{"speaker":"Nick Lincoln","startTime":1015.27,"endTime":1018.36,"body":"it was and then he subsequently"},{"speaker":"Nick Lincoln","startTime":1015.27,"endTime":1018.36,"body":"gone public with it because it's"},{"speaker":"Nick Lincoln","startTime":1018.36,"endTime":1022.38,"body":"an a podcast. Tell us about Mr."},{"speaker":"Nick Lincoln","startTime":1018.36,"endTime":1022.38,"body":"Colin Lawson and his idea of"},{"speaker":"Nick Lincoln","startTime":1022.38,"endTime":1026.34,"body":"selling his business to his"},{"speaker":"Nick Lincoln","startTime":1022.38,"endTime":1026.34,"body":"clients. Because this is novel"},{"speaker":"Nick Lincoln","startTime":1026.34,"endTime":1030.3,"body":"to me. I know absolutely rang a"},{"speaker":"Nick Lincoln","startTime":1026.34,"endTime":1030.3,"body":"bell for Carl. And there might"},{"speaker":"Nick Lincoln","startTime":1030.3,"endTime":1033.1200000000001,"body":"be a Trappist or two listening"},{"speaker":"Nick Lincoln","startTime":1030.3,"endTime":1033.1200000000001,"body":"to this who might think, Wow,"},{"speaker":"Nick Lincoln","startTime":1033.1200000000001,"endTime":1035.76,"body":"this could be this could really"},{"speaker":"Nick Lincoln","startTime":1033.1200000000001,"endTime":1035.76,"body":"change this as this is a great"},{"speaker":"Alan Smith","startTime":1035.76,"endTime":1042.72,"body":"idea. Okay. Well, as"},{"speaker":"Alan Smith","startTime":1035.76,"endTime":1042.72,"body":"we're talking about podcasts, I"},{"speaker":"Alan Smith","startTime":1042.72,"endTime":1046.02,"body":"came across this via a podcast,"},{"speaker":"Alan Smith","startTime":1042.72,"endTime":1046.02,"body":"there was another podcast"},{"speaker":"Alan Smith","startTime":1046.02,"endTime":1050.19,"body":"because it seems to be the thing"},{"speaker":"Alan Smith","startTime":1046.02,"endTime":1050.19,"body":"called executives in wealth"},{"speaker":"Alan Smith","startTime":1050.19,"endTime":1056.19,"body":"management. Run by Guy, Thomas,"},{"speaker":"Alan Smith","startTime":1050.19,"endTime":1056.19,"body":"who I was lucky enough to be"},{"speaker":"Alan Smith","startTime":1056.19,"endTime":1058.92,"body":"guest on that recently. But a"},{"speaker":"Alan Smith","startTime":1056.19,"endTime":1058.92,"body":"previous episode, which has just"},{"speaker":"Alan Smith","startTime":1058.92,"endTime":1063.45,"body":"been released, is Thomas"},{"speaker":"Alan Smith","startTime":1058.92,"endTime":1063.45,"body":"interviewing a gentleman called"},{"speaker":"Alan Smith","startTime":1063.45,"endTime":1065.58,"body":"Colin Lawson, who's the founder"},{"speaker":"Alan Smith","startTime":1063.45,"endTime":1065.58,"body":"of a business called"},{"speaker":"Alan Smith","startTime":1065.61,"endTime":1069.96,"body":"equilibrium. That I don't know,"},{"speaker":"Alan Smith","startTime":1065.61,"endTime":1069.96,"body":"Colin haven't met him. But I, by"},{"speaker":"Alan Smith","startTime":1069.96,"endTime":1073.4099999999999,"body":"all accounts, he runs a very,"},{"speaker":"Alan Smith","startTime":1069.96,"endTime":1073.4099999999999,"body":"very successful advisor business"},{"speaker":"Alan Smith","startTime":1073.44,"endTime":1077.67,"body":"up in Cheshire, Manchester, neck"},{"speaker":"Alan Smith","startTime":1073.44,"endTime":1077.67,"body":"of the woods. And I listened to"},{"speaker":"Alan Smith","startTime":1077.67,"endTime":1080.76,"body":"the podcast interview with him."},{"speaker":"Alan Smith","startTime":1077.67,"endTime":1080.76,"body":"And it's all very good and a"},{"speaker":"Alan Smith","startTime":1080.76,"endTime":1083.52,"body":"fault that you're interested in"},{"speaker":"Alan Smith","startTime":1080.76,"endTime":1083.52,"body":"following a fairly similar path"},{"speaker":"Alan Smith","startTime":1083.52,"endTime":1086.55,"body":"to my own in terms of what he"},{"speaker":"Alan Smith","startTime":1083.52,"endTime":1086.55,"body":"did and how he got started. But"},{"speaker":"Alan Smith","startTime":1086.55,"endTime":1089.1,"body":"the thing that I found really,"},{"speaker":"Alan Smith","startTime":1086.55,"endTime":1089.1,"body":"really intriguing was right"},{"speaker":"Alan Smith","startTime":1089.1,"endTime":1094.56,"body":"towards the end, and it was, it"},{"speaker":"Alan Smith","startTime":1089.1,"endTime":1094.56,"body":"was titled, The record the"},{"speaker":"Alan Smith","startTime":1094.62,"endTime":1099.51,"body":"elegant, elegant exit, they will"},{"speaker":"Alan Smith","startTime":1094.62,"endTime":1099.51,"body":"record it is he was making the"},{"speaker":"Alan Smith","startTime":1099.51,"endTime":1102.75,"body":"point, he's got his business to"},{"speaker":"Alan Smith","startTime":1099.51,"endTime":1102.75,"body":"such a size, that the only sort"},{"speaker":"Alan Smith","startTime":1102.75,"endTime":1104.8799999999999,"body":"of people that might be"},{"speaker":"Alan Smith","startTime":1102.75,"endTime":1104.8799999999999,"body":"interested in some of the big"},{"speaker":"Alan Smith","startTime":1104.8799999999999,"endTime":1108.45,"body":"nationals and the big"},{"speaker":"Alan Smith","startTime":1104.8799999999999,"endTime":1108.45,"body":"consolidators in terms of"},{"speaker":"Alan Smith","startTime":1108.45,"endTime":1112.6499999999999,"body":"planning his own exit or partial"},{"speaker":"Alan Smith","startTime":1108.45,"endTime":1112.6499999999999,"body":"exit, or, you know, taking some"},{"speaker":"Alan Smith","startTime":1112.6499999999999,"endTime":1116.1,"body":"money off the table as a"},{"speaker":"Alan Smith","startTime":1112.6499999999999,"endTime":1116.1,"body":"business owner, and what he has"},{"speaker":"Alan Smith","startTime":1116.1,"endTime":1119.34,"body":"come up with as an idea, which I"},{"speaker":"Alan Smith","startTime":1116.1,"endTime":1119.34,"body":"just thought was revolutionary,"},{"speaker":"Alan Smith","startTime":1119.34,"endTime":1123.57,"body":"hadn't heard of it before, would"},{"speaker":"Alan Smith","startTime":1119.34,"endTime":1123.57,"body":"that it took a rough proxy for a"},{"speaker":"Alan Smith","startTime":1123.57,"endTime":1127.86,"body":"business valuation being 3% of"},{"speaker":"Alan Smith","startTime":1123.57,"endTime":1127.86,"body":"assets under management, which"},{"speaker":"Alan Smith","startTime":1127.86,"endTime":1131.01,"body":"is generally accepted, you know,"},{"speaker":"Alan Smith","startTime":1127.86,"endTime":1131.01,"body":"ballpark as a starting point, in"},{"speaker":"Alan Smith","startTime":1131.01,"endTime":1133.8,"body":"terms of evaluation, obviously,"},{"speaker":"Alan Smith","startTime":1131.01,"endTime":1133.8,"body":"is a lot more to it than that."},{"speaker":"Alan Smith","startTime":1134.1599999999999,"endTime":1138.96,"body":"But 3% of the assets under"},{"speaker":"Alan Smith","startTime":1134.1599999999999,"endTime":1138.96,"body":"management, Collins view was he"},{"speaker":"Alan Smith","startTime":1138.96,"endTime":1142.29,"body":"would retain a third of the"},{"speaker":"Alan Smith","startTime":1138.96,"endTime":1142.29,"body":"business in terms of his own"},{"speaker":"Alan Smith","startTime":1142.29,"endTime":1146.22,"body":"ownership, so he can carry on"},{"speaker":"Alan Smith","startTime":1142.29,"endTime":1146.22,"body":"managing it growing it be"},{"speaker":"Alan Smith","startTime":1146.22,"endTime":1150.33,"body":"responsible for day to day. But"},{"speaker":"Alan Smith","startTime":1146.22,"endTime":1150.33,"body":"in order to kind of de risk his"},{"speaker":"Alan Smith","startTime":1150.33,"endTime":1152.97,"body":"life and get some money off the"},{"speaker":"Alan Smith","startTime":1150.33,"endTime":1152.97,"body":"table, he would sell two thirds"},{"speaker":"Alan Smith","startTime":1152.97,"endTime":1157.4099999999999,"body":"of it. So he would sell to a 2%"},{"speaker":"Alan Smith","startTime":1152.97,"endTime":1157.4099999999999,"body":"of the assets on the management."},{"speaker":"Alan Smith","startTime":1157.98,"endTime":1160.74,"body":"And the people who sell it to"},{"speaker":"Alan Smith","startTime":1157.98,"endTime":1160.74,"body":"was his clients, he would sell"},{"speaker":"Alan Smith","startTime":1160.74,"endTime":1164.25,"body":"it to his own client bank and"},{"speaker":"Alan Smith","startTime":1160.74,"endTime":1164.25,"body":"the pitch to the clients was"},{"speaker":"Alan Smith","startTime":1165.1499999999999,"endTime":1168.96,"body":"would you swap 2% of your liquid"},{"speaker":"Alan Smith","startTime":1165.1499999999999,"endTime":1168.96,"body":"investment capital to have"},{"speaker":"Alan Smith","startTime":1168.96,"endTime":1172.05,"body":"partial ownership of this"},{"speaker":"Alan Smith","startTime":1168.96,"endTime":1172.05,"body":"business that you know you like"},{"speaker":"Alan Smith","startTime":1172.08,"endTime":1175.59,"body":"and you trust on an ongoing"},{"speaker":"Alan Smith","startTime":1172.08,"endTime":1175.59,"body":"basis. You can you can you will"},{"speaker":"Alan Smith","startTime":1175.62,"endTime":1178.17,"body":"own a part of it. Presumably"},{"speaker":"Alan Smith","startTime":1175.62,"endTime":1178.17,"body":"you'll receive a dividend."},{"speaker":"Alan Smith","startTime":1178.17,"endTime":1181.11,"body":"You'll have some ownership"},{"speaker":"Alan Smith","startTime":1178.17,"endTime":1181.11,"body":"involvements. And he said the"},{"speaker":"Alan Smith","startTime":1181.17,"endTime":1183.81,"body":"take up from his clients has"},{"speaker":"Alan Smith","startTime":1181.17,"endTime":1183.81,"body":"been fantastic. So some have"},{"speaker":"Alan Smith","startTime":1183.81,"endTime":1187.59,"body":"said I pay 2% not to have to go"},{"speaker":"Alan Smith","startTime":1183.81,"endTime":1187.59,"body":"and change advisor and find"},{"speaker":"Alan Smith","startTime":1187.59,"endTime":1193.02,"body":"another advisor in nevermind"},{"speaker":"Alan Smith","startTime":1187.59,"endTime":1193.02,"body":"anything else. So I immediately"},{"speaker":"Alan Smith","startTime":1193.02,"endTime":1195.45,"body":"thought this is this sounds"},{"speaker":"Alan Smith","startTime":1193.02,"endTime":1195.45,"body":"really complicated. How on earth"},{"speaker":"Alan Smith","startTime":1195.45,"endTime":1198.24,"body":"do you do that? There must be"},{"speaker":"Alan Smith","startTime":1195.45,"endTime":1198.24,"body":"some FCA rules that make me but"},{"speaker":"Alan Smith","startTime":1198.24,"endTime":1201.54,"body":"apparently according to the"},{"speaker":"Alan Smith","startTime":1198.24,"endTime":1201.54,"body":"podcast, and I'm sure to have a"},{"speaker":"Alan Smith","startTime":1201.54,"endTime":1205.47,"body":"conversation with Colin but the"},{"speaker":"Alan Smith","startTime":1201.54,"endTime":1205.47,"body":"apparently is perfectly able to"},{"speaker":"Alan Smith","startTime":1205.47,"endTime":1208.35,"body":"be it has been done in the past."},{"speaker":"Alan Smith","startTime":1205.47,"endTime":1208.35,"body":"You can do it this particular"},{"speaker":"Alan Smith","startTime":1208.35,"endTime":1210.96,"body":"way you do it. And I think all"},{"speaker":"Alan Smith","startTime":1208.35,"endTime":1210.96,"body":"of a sudden that brings in a new"},{"speaker":"Alan Smith","startTime":1210.96,"endTime":1213.24,"body":"dynamic into the sort of"},{"speaker":"Alan Smith","startTime":1210.96,"endTime":1213.24,"body":"business transition"},{"speaker":"Alan Smith","startTime":1213.54,"endTime":1216.03,"body":"opportunities that exist rather"},{"speaker":"Alan Smith","startTime":1213.54,"endTime":1216.03,"body":"than sell out to the highest"},{"speaker":"Alan Smith","startTime":1216.03,"endTime":1220.17,"body":"bidder or to a consolidator. You"},{"speaker":"Alan Smith","startTime":1216.03,"endTime":1220.17,"body":"sell it to your own clients. Of"},{"speaker":"Alan Smith","startTime":1220.17,"endTime":1222.18,"body":"course, they've got skin in the"},{"speaker":"Alan Smith","startTime":1220.17,"endTime":1222.18,"body":"game, they've got interest, it's"},{"speaker":"Alan Smith","startTime":1222.18,"endTime":1224.79,"body":"very much in their interest to"},{"speaker":"Alan Smith","startTime":1222.18,"endTime":1224.79,"body":"refer their friends and to help"},{"speaker":"Alan Smith","startTime":1224.79,"endTime":1227.34,"body":"you grow the business over the"},{"speaker":"Alan Smith","startTime":1224.79,"endTime":1227.34,"body":"years to come. So I thought it"},{"speaker":"Alan Smith","startTime":1227.34,"endTime":1230.04,"body":"was really really interesting. I"},{"speaker":"Alan Smith","startTime":1227.34,"endTime":1230.04,"body":"know it's sparked the attention"},{"speaker":"Alan Smith","startTime":1230.04,"endTime":1232.71,"body":"Have you guys I know that Andy"},{"speaker":"Alan Smith","startTime":1230.04,"endTime":1232.71,"body":"to start off with, he's got"},{"speaker":"Alan Smith","startTime":1232.71,"endTime":1236.3999999999999,"body":"something he'd like to add to"},{"speaker":"Alan Smith","startTime":1232.71,"endTime":1236.3999999999999,"body":"this conversation. Mr. Hart"},{"speaker":"Andy Hart","startTime":1236.609,"endTime":1239.729,"body":"in the words of Alan"},{"speaker":"Andy Hart","startTime":1236.609,"endTime":1239.729,"body":"Smith, Colin Lawson's a close"},{"speaker":"Andy Hart","startTime":1239.729,"endTime":1243.749,"body":"personal friend of mine. I've"},{"speaker":"Andy Hart","startTime":1239.729,"endTime":1243.749,"body":"known Colin for many years, he"},{"speaker":"Andy Hart","startTime":1243.749,"endTime":1246.119,"body":"runs a cracking business, I"},{"speaker":"Andy Hart","startTime":1243.749,"endTime":1246.119,"body":"think this is the greatest thing"},{"speaker":"Andy Hart","startTime":1246.119,"endTime":1250.859,"body":"I've ever heard in terms of the"},{"speaker":"Andy Hart","startTime":1246.119,"endTime":1250.859,"body":"exiting, have found that owner"},{"speaker":"Andy Hart","startTime":1250.859,"endTime":1256.709,"body":"or financial advice business,"},{"speaker":"Andy Hart","startTime":1250.859,"endTime":1256.709,"body":"the general, back of a napkin is"},{"speaker":"Andy Hart","startTime":1256.709,"endTime":1260.789,"body":"4% of assets. So already is"},{"speaker":"Andy Hart","startTime":1256.709,"endTime":1260.789,"body":"undervalued in the business,"},{"speaker":"Andy Hart","startTime":1260.819,"endTime":1265.079,"body":"which is again, a nice move, and"},{"speaker":"Andy Hart","startTime":1260.819,"endTime":1265.079,"body":"then selling two thirds and"},{"speaker":"Andy Hart","startTime":1265.079,"endTime":1267.509,"body":"keeping the thirds who's got"},{"speaker":"Andy Hart","startTime":1265.079,"endTime":1267.509,"body":"skin in the game, I think is the"},{"speaker":"Andy Hart","startTime":1267.839,"endTime":1271.6789999999999,"body":"greatest exit. Any owner of the"},{"speaker":"Andy Hart","startTime":1267.839,"endTime":1271.6789999999999,"body":"wealth management business can"},{"speaker":"Andy Hart","startTime":1271.6789999999999,"endTime":1275.129,"body":"have, that they're taking a"},{"speaker":"Andy Hart","startTime":1271.6789999999999,"endTime":1275.129,"body":"massive haircut to what they"},{"speaker":"Andy Hart","startTime":1275.129,"endTime":1280.649,"body":"could get output out in the open"},{"speaker":"Andy Hart","startTime":1275.129,"endTime":1280.649,"body":"market. I know clients might not"},{"speaker":"Andy Hart","startTime":1326.7289999999998,"endTime":1330.2689999999998,"body":"appreciate that. But hopefully"},{"speaker":"Andy Hart","startTime":1326.7289999999998,"endTime":1330.2689999999998,"body":"that gets across to the clients"},{"speaker":"Andy Hart","startTime":1330.2689999999998,"endTime":1332.579,"body":"as well that you're actually"},{"speaker":"Andy Hart","startTime":1330.2689999999998,"endTime":1332.579,"body":"buying this firm at a discount."},{"speaker":"Andy Hart","startTime":1333.6589999999999,"endTime":1337.0189999999998,"body":"And also, then you're gonna"},{"speaker":"Andy Hart","startTime":1333.6589999999999,"endTime":1337.0189999999998,"body":"continue to be clients, the firm"},{"speaker":"Andy Hart","startTime":1337.0189999999998,"endTime":1340.799,"body":"owners of the firm. I think it's"},{"speaker":"Andy Hart","startTime":1337.0189999999998,"endTime":1340.799,"body":"absolutely genius. Over to you,"},{"speaker":"Andy Hart","startTime":1340.799,"endTime":1342.2089999999998,"body":"Nick, and then we'll have Carl"},{"speaker":"Nick Lincoln","startTime":1344.31,"endTime":1346.1699999999998,"body":"Well, let's go"},{"speaker":"Nick Lincoln","startTime":1344.31,"endTime":1346.1699999999998,"body":"straight to court because from"},{"speaker":"Nick Lincoln","startTime":1346.1699999999998,"endTime":1348.1799999999998,"body":"my point of view, this gives me"},{"speaker":"Nick Lincoln","startTime":1346.1699999999998,"endTime":1348.1799999999998,"body":"the heebie jeebies you know,"},{"speaker":"Nick Lincoln","startTime":1348.1799999999998,"endTime":1351.36,"body":"you've got suddenly your clients"},{"speaker":"Nick Lincoln","startTime":1348.1799999999998,"endTime":1351.36,"body":"or your co shareholders it still"},{"speaker":"Nick Lincoln","startTime":1351.36,"endTime":1353.2199999999998,"body":"would give me the sweat, calm."},{"speaker":"Carl Widger","startTime":1357.12,"endTime":1360.27,"body":"Tell us what you're"},{"speaker":"Carl Widger","startTime":1357.12,"endTime":1360.27,"body":"really like, Nick. Yeah, I when"},{"speaker":"Carl Widger","startTime":1360.27,"endTime":1363.6299999999999,"body":"this was brought up in our in"},{"speaker":"Carl Widger","startTime":1360.27,"endTime":1363.6299999999999,"body":"our private Whatsapp group, I"},{"speaker":"Carl Widger","startTime":1363.6299999999999,"endTime":1368.37,"body":"just thought is amazing stuff."},{"speaker":"Carl Widger","startTime":1363.6299999999999,"endTime":1368.37,"body":"And look, dude, like, I take"},{"speaker":"Carl Widger","startTime":1368.37,"endTime":1371.1,"body":"your point, Nick, and also"},{"speaker":"Carl Widger","startTime":1368.37,"endTime":1371.1,"body":"Ireland said that there are"},{"speaker":"Carl Widger","startTime":1371.1,"endTime":1374.76,"body":"significant challenges when you"},{"speaker":"Carl Widger","startTime":1371.1,"endTime":1374.76,"body":"take a step back and think, how"},{"speaker":"Carl Widger","startTime":1374.76,"endTime":1378.9599999999998,"body":"would this work etc, right. But"},{"speaker":"Carl Widger","startTime":1374.76,"endTime":1378.9599999999998,"body":"leaving that aside, I think,"},{"speaker":"Carl Widger","startTime":1379.62,"endTime":1384.6,"body":"isn't a just beautiful to have a"},{"speaker":"Carl Widger","startTime":1379.62,"endTime":1384.6,"body":"model whereby it's not going"},{"speaker":"Carl Widger","startTime":1384.6,"endTime":1388.2299999999998,"body":"down the road of a private"},{"speaker":"Carl Widger","startTime":1384.6,"endTime":1388.2299999999998,"body":"equity firm going to get rich"},{"speaker":"Carl Widger","startTime":1388.2299999999998,"endTime":1390.87,"body":"are going to try and get rich"},{"speaker":"Carl Widger","startTime":1388.2299999999998,"endTime":1390.87,"body":"are, you know, making the"},{"speaker":"Carl Widger","startTime":1390.87,"endTime":1395.4299999999998,"body":"consolidators or the aggregators"},{"speaker":"Carl Widger","startTime":1390.87,"endTime":1395.4299999999998,"body":"even bigger. And I remember way"},{"speaker":"Carl Widger","startTime":1395.4299999999998,"endTime":1399.7199999999998,"body":"back the reason Metis was set up"},{"speaker":"Carl Widger","startTime":1395.4299999999998,"endTime":1399.7199999999998,"body":"was because the whole industry"},{"speaker":"Carl Widger","startTime":1399.7199999999998,"endTime":1403.1699999999998,"body":"here was the provider, number"},{"speaker":"Carl Widger","startTime":1399.7199999999998,"endTime":1403.1699999999998,"body":"one, the pension Company Number"},{"speaker":"Carl Widger","startTime":1403.1699999999998,"endTime":1405.9899999999998,"body":"one was going to make money, and"},{"speaker":"Carl Widger","startTime":1403.1699999999998,"endTime":1405.9899999999998,"body":"they made shitloads of money."},{"speaker":"Carl Widger","startTime":1406.26,"endTime":1409.8899999999999,"body":"And then the intermediary, the"},{"speaker":"Carl Widger","startTime":1406.26,"endTime":1409.8899999999999,"body":"broker was number two and way,"},{"speaker":"Carl Widger","startTime":1409.8899999999999,"endTime":1412.7099999999998,"body":"way, way down the list was"},{"speaker":"Carl Widger","startTime":1409.8899999999999,"endTime":1412.7099999999998,"body":"number three. And that's why we"},{"speaker":"Carl Widger","startTime":1412.7399999999998,"endTime":1415.4099999999999,"body":"set up Mattis to try and put the"},{"speaker":"Carl Widger","startTime":1412.7399999999998,"endTime":1415.4099999999999,"body":"flight number one and the"},{"speaker":"Carl Widger","startTime":1415.4099999999999,"endTime":1419.34,"body":"providers very definitely bottom"},{"speaker":"Carl Widger","startTime":1415.4099999999999,"endTime":1419.34,"body":"of that list. So I just think"},{"speaker":"Carl Widger","startTime":1419.34,"endTime":1423.12,"body":"this is another way on a very"},{"speaker":"Carl Widger","startTime":1419.34,"endTime":1423.12,"body":"innovative way. I certainly"},{"speaker":"Carl Widger","startTime":1423.12,"endTime":1426.8999999999999,"body":"never heard that before, of how"},{"speaker":"Carl Widger","startTime":1423.12,"endTime":1426.8999999999999,"body":"to you know, get the clients"},{"speaker":"Carl Widger","startTime":1426.8999999999999,"endTime":1430.1399999999999,"body":"involved. And as you boys know,"},{"speaker":"Carl Widger","startTime":1426.8999999999999,"endTime":1430.1399999999999,"body":"I've been big on that as well."},{"speaker":"Carl Widger","startTime":1430.1399999999999,"endTime":1436.83,"body":"So yeah, I think there's"},{"speaker":"Carl Widger","startTime":1430.1399999999999,"endTime":1436.83,"body":"absolutely. There's a lot in"},{"speaker":"Carl Widger","startTime":1436.83,"endTime":1442.8899999999999,"body":"this, I'm not sure. I'm sure"},{"speaker":"Carl Widger","startTime":1436.83,"endTime":1442.8899999999999,"body":"he's thought long and hard. And"},{"speaker":"Carl Widger","startTime":1442.8899999999999,"endTime":1445.11,"body":"I'm sure this is probably a"},{"speaker":"Carl Widger","startTime":1442.8899999999999,"endTime":1445.11,"body":"three year project that he's"},{"speaker":"Carl Widger","startTime":1445.11,"endTime":1447.27,"body":"just bringing now and he's"},{"speaker":"Carl Widger","startTime":1445.11,"endTime":1447.27,"body":"putting out the podcasts, I'm"},{"speaker":"Carl Widger","startTime":1447.27,"endTime":1449.6699999999998,"body":"sure he's taught all of this"},{"speaker":"Carl Widger","startTime":1447.27,"endTime":1449.6699999999998,"body":"through. But would it not be"},{"speaker":"Carl Widger","startTime":1449.6699999999998,"endTime":1453.03,"body":"better off to you know, maintain"},{"speaker":"Carl Widger","startTime":1449.6699999999998,"endTime":1453.03,"body":"control, and then only serve"},{"speaker":"Carl Widger","startTime":1453.03,"endTime":1455.52,"body":"maybe 49% of the business or"},{"speaker":"Carl Widger","startTime":1453.03,"endTime":1455.52,"body":"something, something like that?"},{"speaker":"Carl Widger","startTime":1455.6699999999998,"endTime":1459.7199999999998,"body":"That was kind of some of my"},{"speaker":"Carl Widger","startTime":1455.6699999999998,"endTime":1459.7199999999998,"body":"immediate thoughts on it. But"},{"speaker":"Carl Widger","startTime":1459.75,"endTime":1462.6299999999999,"body":"yeah, I like absolutely"},{"speaker":"Carl Widger","startTime":1459.75,"endTime":1462.6299999999999,"body":"brilliant. And don't we need"},{"speaker":"Carl Widger","startTime":1462.6299999999999,"endTime":1465.81,"body":"just great brains like this,"},{"speaker":"Carl Widger","startTime":1462.6299999999999,"endTime":1465.81,"body":"from people who work in the"},{"speaker":"Carl Widger","startTime":1465.81,"endTime":1468.84,"body":"business who do real financial"},{"speaker":"Carl Widger","startTime":1465.81,"endTime":1468.84,"body":"planning, and I followed"},{"speaker":"Carl Widger","startTime":1469.1999999999998,"endTime":1474.36,"body":"equilibrium online for the last"},{"speaker":"Carl Widger","startTime":1469.1999999999998,"endTime":1474.36,"body":"number of years. And it does"},{"speaker":"Carl Widger","startTime":1474.36,"endTime":1478.11,"body":"seem to be just a great, great"},{"speaker":"Carl Widger","startTime":1474.36,"endTime":1478.11,"body":"business with lots of innovative"},{"speaker":"Carl Widger","startTime":1478.11,"endTime":1481.53,"body":"stuff coming from them all the"},{"speaker":"Carl Widger","startTime":1478.11,"endTime":1481.53,"body":"time. And here's just the latest"},{"speaker":"Carl Widger","startTime":1481.53,"endTime":1484.9199999999998,"body":"one, I love, love, love, love to"},{"speaker":"Carl Widger","startTime":1481.53,"endTime":1484.9199999999998,"body":"see this one working. And this"},{"speaker":"Carl Widger","startTime":1484.9199999999998,"endTime":1489.0,"body":"to be a model that could be used"},{"speaker":"Carl Widger","startTime":1484.9199999999998,"endTime":1489.0,"body":"in our profession down the line."},{"speaker":"Carl Widger","startTime":1489.36,"endTime":1489.7199999999998,"body":"And"},{"speaker":"Andy Hart","startTime":1490.109,"endTime":1492.6889999999999,"body":"Ireland did touch"},{"speaker":"Andy Hart","startTime":1490.109,"endTime":1492.6889999999999,"body":"upon it, but Colin said that he"},{"speaker":"Andy Hart","startTime":1492.6889999999999,"endTime":1496.799,"body":"knows somebody who's done it,"},{"speaker":"Andy Hart","startTime":1492.6889999999999,"endTime":1496.799,"body":"and it was successful. So yeah,"},{"speaker":"Andy Hart","startTime":1496.829,"endTime":1499.6789999999999,"body":"it obviously has been done"},{"speaker":"Andy Hart","startTime":1496.829,"endTime":1499.6789999999999,"body":"before in the UK, I'd call back"},{"speaker":"Andy Hart","startTime":1499.6789999999999,"endTime":1502.1989999999998,"body":"to your sort of control thing, I"},{"speaker":"Andy Hart","startTime":1499.6789999999999,"endTime":1502.1989999999998,"body":"don't know if the shares will"},{"speaker":"Andy Hart","startTime":1502.1989999999998,"endTime":1504.779,"body":"have different voting rights,"},{"speaker":"Andy Hart","startTime":1502.1989999999998,"endTime":1504.779,"body":"etc, etc. Because you're right."},{"speaker":"Andy Hart","startTime":1504.9889999999998,"endTime":1510.059,"body":"Next point, you don't want 784"},{"speaker":"Andy Hart","startTime":1504.9889999999998,"endTime":1510.059,"body":"people having an input of you"},{"speaker":"Andy Hart","startTime":1510.059,"endTime":1512.2489999999998,"body":"know, where their financial"},{"speaker":"Andy Hart","startTime":1510.059,"endTime":1512.2489999999998,"body":"planning businesses going, you"},{"speaker":"Andy Hart","startTime":1512.2489999999998,"endTime":1514.529,"body":"know, you want you want, you"},{"speaker":"Andy Hart","startTime":1512.2489999999998,"endTime":1514.529,"body":"know, a leadership team to be in"},{"speaker":"Andy Hart","startTime":1514.529,"endTime":1514.889,"body":"control."},{"speaker":"Alan Smith","startTime":1515.3999999999999,"endTime":1518.6399999999999,"body":"Of course, of course"},{"speaker":"Alan Smith","startTime":1515.3999999999999,"endTime":1518.6399999999999,"body":"you wouldn't you in the same way"},{"speaker":"Alan Smith","startTime":1518.6399999999999,"endTime":1521.76,"body":"as if you're owning you know,"},{"speaker":"Alan Smith","startTime":1518.6399999999999,"endTime":1521.76,"body":"one or 2% of any business you're"},{"speaker":"Alan Smith","startTime":1521.76,"endTime":1524.58,"body":"not going to have that but I"},{"speaker":"Alan Smith","startTime":1521.76,"endTime":1524.58,"body":"would imagine there would be"},{"speaker":"Alan Smith","startTime":1525.06,"endTime":1527.4899999999998,"body":"talk about crowbar an"},{"speaker":"Alan Smith","startTime":1525.06,"endTime":1527.4899999999998,"body":"opportunity to have a sort of"},{"speaker":"Alan Smith","startTime":1527.4899999999998,"endTime":1530.1599999999999,"body":"client board and executive you"},{"speaker":"Alan Smith","startTime":1527.4899999999998,"endTime":1530.1599999999999,"body":"know, there's there's half a"},{"speaker":"Alan Smith","startTime":1530.1599999999999,"endTime":1532.9199999999998,"body":"dozen or a dozen shareholder"},{"speaker":"Alan Smith","startTime":1530.1599999999999,"endTime":1532.9199999999998,"body":"client shareholders who would"},{"speaker":"Alan Smith","startTime":1532.9199999999998,"endTime":1537.1499999999999,"body":"represent the broader share base"},{"speaker":"Alan Smith","startTime":1532.9199999999998,"endTime":1537.1499999999999,"body":"ownership base. I think there's"},{"speaker":"Alan Smith","startTime":1537.1499999999999,"endTime":1539.85,"body":"yeah, there's lots of women's we"},{"speaker":"Alan Smith","startTime":1537.1499999999999,"endTime":1539.85,"body":"don't need to worry about the"},{"speaker":"Alan Smith","startTime":1539.85,"endTime":1542.8799999999999,"body":"detail the granularity of it I"},{"speaker":"Alan Smith","startTime":1539.85,"endTime":1542.8799999999999,"body":"mean, Colin hasn't done it yet"},{"speaker":"Alan Smith","startTime":1542.9399999999998,"endTime":1545.7299999999998,"body":"either. But he but he has done"},{"speaker":"Alan Smith","startTime":1542.9399999999998,"endTime":1545.7299999999998,"body":"it according to the interview on"},{"speaker":"Alan Smith","startTime":1545.7299999999998,"endTime":1549.36,"body":"that podcast he's done his"},{"speaker":"Alan Smith","startTime":1545.7299999999998,"endTime":1549.36,"body":"research the specific way you do"},{"speaker":"Alan Smith","startTime":1549.36,"endTime":1551.82,"body":"it there's a it's a private"},{"speaker":"Alan Smith","startTime":1549.36,"endTime":1551.82,"body":"placement or something like"},{"speaker":"Alan Smith","startTime":1551.82,"endTime":1554.3999999999999,"body":"that, that that's the that's the"},{"speaker":"Alan Smith","startTime":1551.82,"endTime":1554.3999999999999,"body":"legal and accounting experts"},{"speaker":"Alan Smith","startTime":1554.3999999999999,"endTime":1556.59,"body":"again, but apparently has been"},{"speaker":"Alan Smith","startTime":1554.3999999999999,"endTime":1556.59,"body":"done. He's, I don't think you'd"},{"speaker":"Alan Smith","startTime":1556.59,"endTime":1559.9799999999998,"body":"go public. Unless he does. He's"},{"speaker":"Alan Smith","startTime":1556.59,"endTime":1559.9799999999998,"body":"sort of done his homework on"},{"speaker":"Alan Smith","startTime":1559.9799999999998,"endTime":1562.53,"body":"this so far. So it's a new"},{"speaker":"Alan Smith","startTime":1559.9799999999998,"endTime":1562.53,"body":"thing. Anything that's new and"},{"speaker":"Alan Smith","startTime":1562.53,"endTime":1565.53,"body":"innovative in our sector is"},{"speaker":"Alan Smith","startTime":1562.53,"endTime":1565.53,"body":"great, and it's worth exploring"},{"speaker":"Alan Smith","startTime":1565.53,"endTime":1569.1,"body":"worth learning more about so"},{"speaker":"Alan Smith","startTime":1565.53,"endTime":1569.1,"body":"watch this. Watch this. Watch"},{"speaker":"Alan Smith","startTime":1569.1,"endTime":1569.7299999999998,"body":"the space"},{"speaker":"Carl Widger","startTime":1570.089,"endTime":1572.879,"body":"100% And you"},{"speaker":"Carl Widger","startTime":1570.089,"endTime":1572.879,"body":"remember like it was the last"},{"speaker":"Carl Widger","startTime":1572.879,"endTime":1575.309,"body":"episode or two episodes ago we"},{"speaker":"Carl Widger","startTime":1572.879,"endTime":1575.309,"body":"were talking about you know what"},{"speaker":"Carl Widger","startTime":1575.309,"endTime":1578.579,"body":"to wear Where does all this go"},{"speaker":"Carl Widger","startTime":1575.309,"endTime":1578.579,"body":"with the aggregators coming in"},{"speaker":"Carl Widger","startTime":1578.579,"endTime":1581.579,"body":"to PE firms coming in? And I"},{"speaker":"Carl Widger","startTime":1578.579,"endTime":1581.579,"body":"mentioned Well, the firm"},{"speaker":"Carl Widger","startTime":1581.579,"endTime":1584.9689999999998,"body":"disabled to kind of stand alone"},{"speaker":"Carl Widger","startTime":1581.579,"endTime":1584.9689999999998,"body":"and stand solid on its, you"},{"speaker":"Carl Widger","startTime":1584.9689999999998,"endTime":1588.4489999999998,"body":"know, on its own two feet, that"},{"speaker":"Carl Widger","startTime":1584.9689999999998,"endTime":1588.4489999999998,"body":"actually might be a USP. And"},{"speaker":"Carl Widger","startTime":1588.4489999999998,"endTime":1592.079,"body":"surely this is a great way of"},{"speaker":"Carl Widger","startTime":1588.4489999999998,"endTime":1592.079,"body":"doing that. And also ensuring"},{"speaker":"Carl Widger","startTime":1592.079,"endTime":1594.2689999999998,"body":"the longevity of it. And of"},{"speaker":"Carl Widger","startTime":1592.079,"endTime":1594.2689999999998,"body":"course, if your clients are"},{"speaker":"Carl Widger","startTime":1594.2689999999998,"endTime":1597.1789999999999,"body":"engaged, your clients are going"},{"speaker":"Carl Widger","startTime":1594.2689999999998,"endTime":1597.1789999999999,"body":"to that referral machine is"},{"speaker":"Carl Widger","startTime":1597.1789999999999,"endTime":1601.2289999999998,"body":"going to just be Yeah, you know,"},{"speaker":"Carl Widger","startTime":1597.1789999999999,"endTime":1601.2289999999998,"body":"go into overdrive. Yeah, I just"},{"speaker":"Carl Widger","startTime":1601.319,"endTime":1605.819,"body":"look, just echo a few of the"},{"speaker":"Carl Widger","startTime":1601.319,"endTime":1605.819,"body":"comments. It's isn't it just"},{"speaker":"Carl Widger","startTime":1605.819,"endTime":1607.619,"body":"magnificent that someone is"},{"speaker":"Carl Widger","startTime":1605.819,"endTime":1607.619,"body":"using their head and saying"},{"speaker":"Carl Widger","startTime":1607.649,"endTime":1610.4089999999999,"body":"there is a different way and"},{"speaker":"Carl Widger","startTime":1607.649,"endTime":1610.4089999999999,"body":"maybe this is the way forward?"},{"speaker":"Carl Widger","startTime":1611.639,"endTime":1612.059,"body":"Yep."},{"speaker":"Nick Lincoln","startTime":1612.7189999999998,"endTime":1615.809,"body":"Okay, great stuff."},{"speaker":"Nick Lincoln","startTime":1612.7189999999998,"endTime":1615.809,"body":"And yes, he seems very switched"},{"speaker":"Nick Lincoln","startTime":1615.809,"endTime":1618.1789999999999,"body":"on Colin Lawson. If you listen"},{"speaker":"Nick Lincoln","startTime":1615.809,"endTime":1618.1789999999999,"body":"to the podcast, he's just he's"},{"speaker":"Nick Lincoln","startTime":1618.1789999999999,"endTime":1622.4089999999999,"body":"just you can tell there's a"},{"speaker":"Nick Lincoln","startTime":1618.1789999999999,"endTime":1622.4089999999999,"body":"brain that's that's that's"},{"speaker":"Nick Lincoln","startTime":1622.4089999999999,"endTime":1625.859,"body":"thought this through and he"},{"speaker":"Nick Lincoln","startTime":1622.4089999999999,"endTime":1625.859,"body":"likes challenges and he hasn't"},{"speaker":"Nick Lincoln","startTime":1625.859,"endTime":1628.829,"body":"got where he is without going"},{"speaker":"Nick Lincoln","startTime":1625.859,"endTime":1628.829,"body":"through numerous challenges. So"},{"speaker":"Nick Lincoln","startTime":1628.889,"endTime":1632.7289999999998,"body":"we wish him all the best. Okay,"},{"speaker":"Nick Lincoln","startTime":1628.889,"endTime":1632.7289999999998,"body":"so Neil Woodford, Neil Woodford"},{"speaker":"Nick Lincoln","startTime":1632.7289999999998,"endTime":1636.4489999999998,"body":"who was once as we all know,"},{"speaker":"Nick Lincoln","startTime":1632.7289999999998,"endTime":1636.4489999999998,"body":"faded is probably the best"},{"speaker":"Nick Lincoln","startTime":1636.4489999999998,"endTime":1639.899,"body":"active fund manager in the UK,"},{"speaker":"Nick Lincoln","startTime":1636.4489999999998,"endTime":1639.899,"body":"him and Anthony Bolton, maybe"},{"speaker":"Nick Lincoln","startTime":1639.899,"endTime":1642.329,"body":"that baton has been passed on to"},{"speaker":"Nick Lincoln","startTime":1639.899,"endTime":1642.329,"body":"Terry Smith, but at one stage he"},{"speaker":"Nick Lincoln","startTime":1642.329,"endTime":1644.879,"body":"was up there, he was the"},{"speaker":"Nick Lincoln","startTime":1642.329,"endTime":1644.879,"body":"pinnacle of active fund"},{"speaker":"Nick Lincoln","startTime":1644.879,"endTime":1648.329,"body":"management. Obviously, it's a"},{"speaker":"Nick Lincoln","startTime":1644.879,"endTime":1648.329,"body":"it's a it's a cutout catastrophe"},{"speaker":"Nick Lincoln","startTime":1648.539,"endTime":1651.629,"body":"story for him and his clients"},{"speaker":"Nick Lincoln","startTime":1648.539,"endTime":1651.629,"body":"and his reputation. The one"},{"speaker":"Nick Lincoln","startTime":1651.629,"endTime":1654.6589999999999,"body":"thing that we you know, your"},{"speaker":"Nick Lincoln","startTime":1651.629,"endTime":1654.6589999999999,"body":"name is your reputation is"},{"speaker":"Nick Lincoln","startTime":1654.6589999999999,"endTime":1656.9089999999999,"body":"everything right? And your name"},{"speaker":"Nick Lincoln","startTime":1654.6589999999999,"endTime":1656.9089999999999,"body":"is everything. And once that's"},{"speaker":"Nick Lincoln","startTime":1656.9089999999999,"endTime":1661.1689999999999,"body":"solid, it's it's I don't care"},{"speaker":"Nick Lincoln","startTime":1656.9089999999999,"endTime":1661.1689999999999,"body":"how much money you've got. I"},{"speaker":"Nick Lincoln","startTime":1661.1689999999999,"endTime":1665.069,"body":"wouldn't want to be in his"},{"speaker":"Nick Lincoln","startTime":1661.1689999999999,"endTime":1665.069,"body":"shoes. Mr. Smith, you found an"},{"speaker":"Nick Lincoln","startTime":1665.069,"endTime":1668.129,"body":"article in that left wing rag"},{"speaker":"Nick Lincoln","startTime":1665.069,"endTime":1668.129,"body":"the times talk us through it."},{"speaker":"Alan Smith","startTime":1669.12,"endTime":1671.1899999999998,"body":"It's an all the"},{"speaker":"Alan Smith","startTime":1669.12,"endTime":1671.1899999999998,"body":"papers, it's just a movie, we're"},{"speaker":"Alan Smith","startTime":1671.1899999999998,"endTime":1676.7399999999998,"body":"putting a time stamp on this, in"},{"speaker":"Alan Smith","startTime":1671.1899999999998,"endTime":1676.7399999999998,"body":"that it's a compensation deal"},{"speaker":"Alan Smith","startTime":1676.7399999999998,"endTime":1680.7299999999998,"body":"has now been brokered as being"},{"speaker":"Alan Smith","startTime":1676.7399999999998,"endTime":1680.7299999999998,"body":"offered by the FCA. And it's up"},{"speaker":"Alan Smith","startTime":1680.7299999999998,"endTime":1684.03,"body":"to the investors to accept it"},{"speaker":"Alan Smith","startTime":1680.7299999999998,"endTime":1684.03,"body":"effectively, they have got to"},{"speaker":"Alan Smith","startTime":1684.03,"endTime":1690.27,"body":"accept 77 P on the pound. So"},{"speaker":"Alan Smith","startTime":1684.03,"endTime":1690.27,"body":"they've got a guarantee loss of"},{"speaker":"Alan Smith","startTime":1690.9899999999998,"endTime":1697.26,"body":"23%. Well, their investment. And"},{"speaker":"Alan Smith","startTime":1690.9899999999998,"endTime":1697.26,"body":"they've got to, they've got to"},{"speaker":"Alan Smith","startTime":1697.26,"endTime":1701.01,"body":"extract away the money because"},{"speaker":"Alan Smith","startTime":1697.26,"endTime":1701.01,"body":"as you know, a lot of the money"},{"speaker":"Alan Smith","startTime":1701.01,"endTime":1704.01,"body":"that you're talking about a"},{"speaker":"Alan Smith","startTime":1701.01,"endTime":1704.01,"body":"permanent loss of capital, some"},{"speaker":"Alan Smith","startTime":1704.01,"endTime":1708.6899999999998,"body":"of the money was invested in"},{"speaker":"Alan Smith","startTime":1704.01,"endTime":1708.6899999999998,"body":"small kind of unlisted biotech"},{"speaker":"Alan Smith","startTime":1708.6899999999998,"endTime":1711.2099999999998,"body":"companies and so on. And it's"},{"speaker":"Alan Smith","startTime":1708.6899999999998,"endTime":1711.2099999999998,"body":"literally gone to zero in many"},{"speaker":"Alan Smith","startTime":1711.2099999999998,"endTime":1714.51,"body":"cases. So this this has been"},{"speaker":"Alan Smith","startTime":1711.2099999999998,"endTime":1714.51,"body":"sort of cobbled together as a"},{"speaker":"Alan Smith","startTime":1714.51,"endTime":1719.9099999999999,"body":"result of payments and fines and"},{"speaker":"Alan Smith","startTime":1714.51,"endTime":1719.9099999999999,"body":"things from the various parties"},{"speaker":"Alan Smith","startTime":1719.9099999999999,"endTime":1725.28,"body":"involved. I don't think any of"},{"speaker":"Alan Smith","startTime":1719.9099999999999,"endTime":1725.28,"body":"us on this call were exposed in"},{"speaker":"Alan Smith","startTime":1725.28,"endTime":1728.2199999999998,"body":"terms of clients money, it"},{"speaker":"Alan Smith","startTime":1725.28,"endTime":1728.2199999999998,"body":"doesn't do the industry any"},{"speaker":"Alan Smith","startTime":1728.2199999999998,"endTime":1734.85,"body":"good. He was by by some margin,"},{"speaker":"Alan Smith","startTime":1728.2199999999998,"endTime":1734.85,"body":"the most high profile is you"},{"speaker":"Alan Smith","startTime":1734.85,"endTime":1739.4399999999998,"body":"saying the investment manager in"},{"speaker":"Alan Smith","startTime":1734.85,"endTime":1739.4399999999998,"body":"the marketplace. And this brings"},{"speaker":"Alan Smith","startTime":1739.4399999999998,"endTime":1741.81,"body":"me back as well it reminded me"},{"speaker":"Alan Smith","startTime":1739.4399999999998,"endTime":1741.81,"body":"that I know that you read it as"},{"speaker":"Alan Smith","startTime":1741.81,"endTime":1744.12,"body":"well, Nick, I read the book a"},{"speaker":"Alan Smith","startTime":1741.81,"endTime":1744.12,"body":"couple of years ago called built"},{"speaker":"Alan Smith","startTime":1744.12,"endTime":1747.9299999999998,"body":"in a lie the book all about the"},{"speaker":"Alan Smith","startTime":1744.12,"endTime":1747.9299999999998,"body":"kind of the woodfords story."},{"speaker":"Alan Smith","startTime":1748.7099999999998,"endTime":1751.4099999999999,"body":"Great, but really interesting"},{"speaker":"Alan Smith","startTime":1748.7099999999998,"endTime":1751.4099999999999,"body":"when you know, because we were"},{"speaker":"Alan Smith","startTime":1751.4099999999999,"endTime":1754.4099999999999,"body":"all active there were all kind"},{"speaker":"Alan Smith","startTime":1751.4099999999999,"endTime":1754.4099999999999,"body":"of involved then and seeing this"},{"speaker":"Alan Smith","startTime":1754.4099999999999,"endTime":1758.01,"body":"play out in real life. And I"},{"speaker":"Alan Smith","startTime":1754.4099999999999,"endTime":1758.01,"body":"think for advisors, we come"},{"speaker":"Alan Smith","startTime":1758.01,"endTime":1760.32,"body":"under some pressure, because we"},{"speaker":"Alan Smith","startTime":1758.01,"endTime":1760.32,"body":"will bring on new clients things"},{"speaker":"Alan Smith","startTime":1760.32,"endTime":1762.7199999999998,"body":"that will say, Oh, I've got some"},{"speaker":"Alan Smith","startTime":1760.32,"endTime":1762.7199999999998,"body":"money. You know, it's in"},{"speaker":"Alan Smith","startTime":1762.75,"endTime":1764.85,"body":"Woodford Reserve that you know,"},{"speaker":"Alan Smith","startTime":1762.75,"endTime":1764.85,"body":"we want to keep that for"},{"speaker":"Alan Smith","startTime":1764.85,"endTime":1767.34,"body":"certain. And we will sort of be"},{"speaker":"Alan Smith","startTime":1764.85,"endTime":1767.34,"body":"saying to them, Well, no, not"},{"speaker":"Alan Smith","startTime":1767.34,"endTime":1769.08,"body":"really doesn't fit with our"},{"speaker":"Alan Smith","startTime":1767.34,"endTime":1769.08,"body":"investment philosophy. And you"},{"speaker":"Alan Smith","startTime":1769.08,"endTime":1772.29,"body":"had to have a few go into"},{"speaker":"Alan Smith","startTime":1769.08,"endTime":1772.29,"body":"battle. Because our investment"},{"speaker":"Alan Smith","startTime":1772.53,"endTime":1774.9299999999998,"body":"philosophy, as we've often"},{"speaker":"Alan Smith","startTime":1772.53,"endTime":1774.9299999999998,"body":"spoken about is quite boring."},{"speaker":"Alan Smith","startTime":1775.1999999999998,"endTime":1778.9799999999998,"body":"And there's no real star name."},{"speaker":"Alan Smith","startTime":1775.1999999999998,"endTime":1778.9799999999998,"body":"And I think as human beings,"},{"speaker":"Alan Smith","startTime":1778.9799999999998,"endTime":1783.81,"body":"whether it's in sport, or"},{"speaker":"Alan Smith","startTime":1778.9799999999998,"endTime":1783.81,"body":"politics or certainly in money,"},{"speaker":"Alan Smith","startTime":1783.87,"endTime":1787.59,"body":"we like to attach, you know,"},{"speaker":"Alan Smith","startTime":1783.87,"endTime":1787.59,"body":"outcomes to a name, we like a"},{"speaker":"Alan Smith","startTime":1787.59,"endTime":1790.1699999999998,"body":"superstar. We like someone he's"},{"speaker":"Alan Smith","startTime":1787.59,"endTime":1790.1699999999998,"body":"always done well, she's always"},{"speaker":"Alan Smith","startTime":1790.1699999999998,"endTime":1793.4699999999998,"body":"done amazingly well. And of"},{"speaker":"Alan Smith","startTime":1790.1699999999998,"endTime":1793.4699999999998,"body":"course, they always do until the"},{"speaker":"Alan Smith","startTime":1793.4699999999998,"endTime":1796.5,"body":"don'ts and every one of those"},{"speaker":"Alan Smith","startTime":1793.4699999999998,"endTime":1796.5,"body":"names, including my dear Uncle"},{"speaker":"Alan Smith","startTime":1796.5,"endTime":1799.56,"body":"Terry. He's come unstuck as"},{"speaker":"Alan Smith","startTime":1796.5,"endTime":1799.56,"body":"well. More recently, his funds"},{"speaker":"Alan Smith","startTime":1799.56,"endTime":1801.4499999999998,"body":"have been significantly"},{"speaker":"Alan Smith","startTime":1799.56,"endTime":1801.4499999999998,"body":"underperforming, which they"},{"speaker":"Alan Smith","startTime":1801.4499999999998,"endTime":1805.2299999999998,"body":"inevitably do. So it's just"},{"speaker":"Alan Smith","startTime":1801.4499999999998,"endTime":1805.2299999999998,"body":"interesting that they finally"},{"speaker":"Alan Smith","startTime":1805.2299999999998,"endTime":1807.33,"body":"brokered the deal of yet"},{"speaker":"Alan Smith","startTime":1805.2299999999998,"endTime":1807.33,"body":"obviously, it goes to the"},{"speaker":"Alan Smith","startTime":1807.33,"endTime":1809.6699999999998,"body":"investors to accept it,"},{"speaker":"Alan Smith","startTime":1807.33,"endTime":1809.6699999999998,"body":"presumably will accept it,"},{"speaker":"Alan Smith","startTime":1809.6999999999998,"endTime":1812.76,"body":"because there's nothing else to"},{"speaker":"Alan Smith","startTime":1809.6999999999998,"endTime":1812.76,"body":"be done. But that is absolutely"},{"speaker":"Alan Smith","startTime":1812.79,"endTime":1816.87,"body":"a permanent full time loss of"},{"speaker":"Alan Smith","startTime":1812.79,"endTime":1816.87,"body":"investment capital. This is not"},{"speaker":"Alan Smith","startTime":1816.87,"endTime":1818.25,"body":"variable, this is loss."},{"speaker":"Nick Lincoln","startTime":1820.1399999999999,"endTime":1822.87,"body":"Then Andy, I mean,"},{"speaker":"Nick Lincoln","startTime":1820.1399999999999,"endTime":1822.87,"body":"to be honest, I think 23 P on"},{"speaker":"Nick Lincoln","startTime":1822.87,"endTime":1825.51,"body":"the pound, that's I thought it's"},{"speaker":"Nick Lincoln","startTime":1822.87,"endTime":1825.51,"body":"gonna be worse than that. I'm"},{"speaker":"Nick Lincoln","startTime":1825.51,"endTime":1827.6399999999999,"body":"not saying it's a good thing,"},{"speaker":"Nick Lincoln","startTime":1825.51,"endTime":1827.6399999999999,"body":"and I'm sure the investors are"},{"speaker":"Nick Lincoln","startTime":1829.2299999999998,"endTime":1831.78,"body":"rightfully pissed off, but I"},{"speaker":"Nick Lincoln","startTime":1829.2299999999998,"endTime":1831.78,"body":"thought it could have been a lot"},{"speaker":"Nick Lincoln","startTime":1831.78,"endTime":1832.56,"body":"worse than that. Andy,"},{"speaker":"Andy Hart","startTime":1833.31,"endTime":1835.86,"body":"I'm with you, Nick. I"},{"speaker":"Andy Hart","startTime":1833.31,"endTime":1835.86,"body":"think it's an absolute bargain"},{"speaker":"Andy Hart","startTime":1835.86,"endTime":1838.9199999999998,"body":"to get 77 P back on the pound,"},{"speaker":"Andy Hart","startTime":1835.86,"endTime":1838.9199999999998,"body":"they should count themselves"},{"speaker":"Andy Hart","startTime":1838.9199999999998,"endTime":1841.9799999999998,"body":"incredibly lucky. And hopefully"},{"speaker":"Andy Hart","startTime":1838.9199999999998,"endTime":1841.9799999999998,"body":"most of the people didn't have"},{"speaker":"Andy Hart","startTime":1841.9799999999998,"endTime":1846.8999999999999,"body":"more than ideally 5% Let's say"},{"speaker":"Andy Hart","startTime":1841.9799999999998,"endTime":1846.8999999999999,"body":"10% You know if they went all in"},{"speaker":"Andy Hart","startTime":1846.8999999999999,"endTime":1849.1799999999998,"body":"and obviously yeah, they're"},{"speaker":"Andy Hart","startTime":1846.8999999999999,"endTime":1849.1799999999998,"body":"gonna take it"},{"speaker":"Alan Smith","startTime":1849.1799999999998,"endTime":1850.9199999999998,"body":"Yeah. But you know,"},{"speaker":"Alan Smith","startTime":1849.1799999999998,"endTime":1850.9199999999998,"body":"you know that you know, you"},{"speaker":"Alan Smith","startTime":1850.9199999999998,"endTime":1853.3799999999999,"body":"know, that's that's the case."},{"speaker":"Alan Smith","startTime":1850.9199999999998,"endTime":1853.3799999999999,"body":"And unfortunately with some of"},{"speaker":"Alan Smith","startTime":1853.3799999999999,"endTime":1855.6599999999999,"body":"these superstars, it's a bit"},{"speaker":"Alan Smith","startTime":1853.3799999999999,"endTime":1855.6599999999999,"body":"like the Ark find this a bit"},{"speaker":"Alan Smith","startTime":1855.6599999999999,"endTime":1858.57,"body":"laid back way back in the day,"},{"speaker":"Alan Smith","startTime":1855.6599999999999,"endTime":1858.57,"body":"the equitable life. If you liked"},{"speaker":"Alan Smith","startTime":1858.57,"endTime":1861.1499999999999,"body":"it, a lot of people went all in"},{"speaker":"Alan Smith","startTime":1858.57,"endTime":1861.1499999999999,"body":"the pool, you know, more than"},{"speaker":"Alan Smith","startTime":1861.1499999999999,"endTime":1863.37,"body":"50% of their assets because why"},{"speaker":"Alan Smith","startTime":1861.1499999999999,"endTime":1863.37,"body":"wouldn't they was outperforming"},{"speaker":"Alan Smith","startTime":1863.37,"endTime":1863.9699999999998,"body":"everything else."},{"speaker":"Andy Hart","startTime":1864.0,"endTime":1866.2199999999998,"body":"I think he's quite"},{"speaker":"Andy Hart","startTime":1864.0,"endTime":1866.2199999999998,"body":"staggering. They've returned"},{"speaker":"Andy Hart","startTime":1866.25,"endTime":1869.4899999999998,"body":"over two and a half billion, and"},{"speaker":"Andy Hart","startTime":1866.25,"endTime":1869.4899999999998,"body":"they still got some further"},{"speaker":"Andy Hart","startTime":1869.4899999999998,"endTime":1872.4299999999998,"body":"payments to come. I mean, yeah,"},{"speaker":"Andy Hart","startTime":1869.4899999999998,"endTime":1872.4299999999998,"body":"the whole thing's a mess trying"},{"speaker":"Andy Hart","startTime":1872.4299999999998,"endTime":1875.7299999999998,"body":"to piece it all together after"},{"speaker":"Andy Hart","startTime":1872.4299999999998,"endTime":1875.7299999999998,"body":"the fact. Yeah, I think I think"},{"speaker":"Andy Hart","startTime":1875.7299999999998,"endTime":1880.4099999999999,"body":"they've got one A very well 77 P"},{"speaker":"Andy Hart","startTime":1875.7299999999998,"endTime":1880.4099999999999,"body":"in the pound. I've got a couple"},{"speaker":"Andy Hart","startTime":1880.4099999999999,"endTime":1882.75,"body":"of clients that I've taken on"},{"speaker":"Andy Hart","startTime":1880.4099999999999,"endTime":1882.75,"body":"that have those funds, whatever"},{"speaker":"Andy Hart","startTime":1882.75,"endTime":1885.09,"body":"they're called LF whatever, we"},{"speaker":"Andy Hart","startTime":1882.75,"endTime":1885.09,"body":"have to transfer him in species."},{"speaker":"Andy Hart","startTime":1885.09,"endTime":1890.1599999999999,"body":"So I believe a payment will land"},{"speaker":"Andy Hart","startTime":1885.09,"endTime":1890.1599999999999,"body":"in it on the platforms that we"},{"speaker":"Andy Hart","startTime":1890.1599999999999,"endTime":1892.1399999999999,"body":"look after. But yeah, I"},{"speaker":"Andy Hart","startTime":1890.1599999999999,"endTime":1892.1399999999999,"body":"certainly didn't get involved in"},{"speaker":"Andy Hart","startTime":1892.1399999999999,"endTime":1894.3899999999999,"body":"recommending any of that guff."},{"speaker":"Andy Hart","startTime":1892.1399999999999,"endTime":1894.3899999999999,"body":"The thing that is quite"},{"speaker":"Andy Hart","startTime":1894.3899999999999,"endTime":1897.3,"body":"interestingly is Hargreaves"},{"speaker":"Andy Hart","startTime":1894.3899999999999,"endTime":1897.3,"body":"Lansdown, are they going to go"},{"speaker":"Andy Hart","startTime":1897.3,"endTime":1901.62,"body":"after them? That's the whole big"},{"speaker":"Andy Hart","startTime":1897.3,"endTime":1901.62,"body":"question. At the moment. There"},{"speaker":"Andy Hart","startTime":1901.62,"endTime":1905.4899999999998,"body":"isn't anybody going after them."},{"speaker":"Andy Hart","startTime":1901.62,"endTime":1905.4899999999998,"body":"But there is going to be I think"},{"speaker":"Andy Hart","startTime":1905.4899999999998,"endTime":1908.31,"body":"there's a legal firm that's"},{"speaker":"Andy Hart","startTime":1905.4899999999998,"endTime":1908.31,"body":"trying to piece something"},{"speaker":"Andy Hart","startTime":1908.31,"endTime":1911.1899999999998,"body":"together foggers because they"},{"speaker":"Andy Hart","startTime":1908.31,"endTime":1911.1899999999998,"body":"were a huge promoter of this."},{"speaker":"Andy Hart","startTime":1911.52,"endTime":1913.8899999999999,"body":"And as some individuals at"},{"speaker":"Andy Hart","startTime":1911.52,"endTime":1913.8899999999999,"body":"Hargreaves we know who also"},{"speaker":"Andy Hart","startTime":1913.8899999999999,"endTime":1918.36,"body":"personal promoters of this which"},{"speaker":"Andy Hart","startTime":1913.8899999999999,"endTime":1918.36,"body":"I really really really can't"},{"speaker":"Andy Hart","startTime":1918.36,"endTime":1922.29,"body":"stand Anyway that's it over to"},{"speaker":"Andy Hart","startTime":1918.36,"endTime":1922.29,"body":"call for anything or Nick?"},{"speaker":"Nick Lincoln","startTime":1922.56,"endTime":1924.87,"body":"Yes if you if you"},{"speaker":"Nick Lincoln","startTime":1922.56,"endTime":1924.87,"body":"if you read the book built on a"},{"speaker":"Nick Lincoln","startTime":1924.87,"endTime":1927.0,"body":"lie and you don't have to Well"},{"speaker":"Nick Lincoln","startTime":1924.87,"endTime":1927.0,"body":"listen, if you listen to this,"},{"speaker":"Nick Lincoln","startTime":1927.0,"endTime":1928.86,"body":"you're going to be you're going"},{"speaker":"Nick Lincoln","startTime":1927.0,"endTime":1928.86,"body":"to be in this thing of ours more"},{"speaker":"Nick Lincoln","startTime":1928.86,"endTime":1931.32,"body":"than likely but even if you're"},{"speaker":"Nick Lincoln","startTime":1928.86,"endTime":1931.32,"body":"just Joe Public even if you get"},{"speaker":"Nick Lincoln","startTime":1931.6799999999998,"endTime":1936.78,"body":"I think was Alan Walker, wasn't"},{"speaker":"Nick Lincoln","startTime":1931.6799999999998,"endTime":1936.78,"body":"it? Yeah, it's it is it's it's a"},{"speaker":"Nick Lincoln","startTime":1936.78,"endTime":1939.06,"body":"really riveting read for the"},{"speaker":"Nick Lincoln","startTime":1936.78,"endTime":1939.06,"body":"entirely wrong reasons. It's"},{"speaker":"Nick Lincoln","startTime":1939.06,"endTime":1941.52,"body":"still a tragedy, but it's a"},{"speaker":"Nick Lincoln","startTime":1939.06,"endTime":1941.52,"body":"brilliant book. And Hargreaves"},{"speaker":"Nick Lincoln","startTime":1941.52,"endTime":1946.02,"body":"Lansdown come out of it smelling"},{"speaker":"Nick Lincoln","startTime":1941.52,"endTime":1946.02,"body":"of shit to coin a phrase. Okay."},{"speaker":"Alan Smith","startTime":1946.1699999999998,"endTime":1948.6899999999998,"body":"Although although"},{"speaker":"Alan Smith","startTime":1946.1699999999998,"endTime":1948.6899999999998,"body":"our and our friends, James's"},{"speaker":"Alan Smith","startTime":1948.6899999999998,"endTime":1951.4499999999998,"body":"place come out of it slightly"},{"speaker":"Alan Smith","startTime":1948.6899999999998,"endTime":1951.4499999999998,"body":"better. And they"},{"speaker":"Carl Widger","startTime":1951.87,"endTime":1953.6399999999999,"body":"they come I think"},{"speaker":"Carl Widger","startTime":1951.87,"endTime":1953.6399999999999,"body":"to come out of it really well,"},{"speaker":"Carl Widger","startTime":1953.6399999999999,"endTime":1957.3,"body":"to be fair, they did they exited"},{"speaker":"Carl Widger","startTime":1953.6399999999999,"endTime":1957.3,"body":"when they should and they made"},{"speaker":"Carl Widger","startTime":1957.3,"endTime":1961.83,"body":"the right call. So yeah, 100% I"},{"speaker":"Carl Widger","startTime":1957.3,"endTime":1961.83,"body":"just don't on the on the I think"},{"speaker":"Carl Widger","startTime":1961.83,"endTime":1965.4299999999998,"body":"the book is amazing. And, you"},{"speaker":"Carl Widger","startTime":1961.83,"endTime":1965.4299999999998,"body":"know, it's it's not necessarily"},{"speaker":"Carl Widger","startTime":1965.4899999999998,"endTime":1967.62,"body":"give this book to everyone who"},{"speaker":"Carl Widger","startTime":1965.4899999999998,"endTime":1967.62,"body":"wants to do active fund"},{"speaker":"Carl Widger","startTime":1967.62,"endTime":1970.7099999999998,"body":"management. But if someone is"},{"speaker":"Carl Widger","startTime":1967.62,"endTime":1970.7099999999998,"body":"following a star for manager, I"},{"speaker":"Carl Widger","startTime":1970.7099999999998,"endTime":1975.03,"body":"think the what came out of the"},{"speaker":"Carl Widger","startTime":1970.7099999999998,"endTime":1975.03,"body":"book was the level of arrogance,"},{"speaker":"Carl Widger","startTime":1975.6899999999998,"endTime":1980.07,"body":"you know, was just just, oh,"},{"speaker":"Carl Widger","startTime":1975.6899999999998,"endTime":1980.07,"body":"yeah, they were all guilty of"},{"speaker":"Nick Lincoln","startTime":1981.0,"endTime":1981.8999999999999,"body":"hubris. Yeah."},{"speaker":"Alan Smith","startTime":1983.34,"endTime":1986.01,"body":"Yeah, no, I mean, no"},{"speaker":"Alan Smith","startTime":1983.34,"endTime":1986.01,"body":"one. No one came out of that."},{"speaker":"Alan Smith","startTime":1986.01,"endTime":1988.9499999999998,"body":"Well, the regulator, they know"},{"speaker":"Alan Smith","startTime":1986.01,"endTime":1988.9499999999998,"body":"the ACD. They would you call"},{"speaker":"Alan Smith","startTime":1988.9499999999998,"endTime":1991.05,"body":"them the trustees, the"},{"speaker":"Alan Smith","startTime":1988.9499999999998,"endTime":1991.05,"body":"administrators, all of them. It"},{"speaker":"Alan Smith","startTime":1991.05,"endTime":1996.3,"body":"was just a complete link. But"},{"speaker":"Alan Smith","startTime":1991.05,"endTime":1996.3,"body":"yeah, but the FCA as well, they"},{"speaker":"Alan Smith","startTime":1996.3,"endTime":1998.4299999999998,"body":"were called into meetings, they"},{"speaker":"Alan Smith","startTime":1996.3,"endTime":1998.4299999999998,"body":"sort of let them get away with"},{"speaker":"Alan Smith","startTime":1998.4299999999998,"endTime":2001.1299999999999,"body":"it. It was a big, you know, big"},{"speaker":"Alan Smith","startTime":1998.4299999999998,"endTime":2001.1299999999999,"body":"name, big staff manager, the"},{"speaker":"Alan Smith","startTime":2001.1299999999999,"endTime":2004.58,"body":"arrogance and the hubris. It's a"},{"speaker":"Alan Smith","startTime":2001.1299999999999,"endTime":2004.58,"body":"crazy story."},{"speaker":"Nick Lincoln","startTime":2005.57,"endTime":2009.77,"body":"Okay. Now, Carl,"},{"speaker":"Nick Lincoln","startTime":2005.57,"endTime":2009.77,"body":"you've got some we talked about"},{"speaker":"Nick Lincoln","startTime":2009.77,"endTime":2013.79,"body":"Woodford here. We talked about"},{"speaker":"Nick Lincoln","startTime":2009.77,"endTime":2013.79,"body":"UK annuities. We talked about"},{"speaker":"Nick Lincoln","startTime":2013.79,"endTime":2016.7299999999998,"body":"Colin Lawson in the northwest,"},{"speaker":"Nick Lincoln","startTime":2013.79,"endTime":2016.7299999999998,"body":"you've got an Irish story. Tell"},{"speaker":"Nick Lincoln","startTime":2016.7299999999998,"endTime":2019.61,"body":"us about this, this launch that"},{"speaker":"Nick Lincoln","startTime":2016.7299999999998,"endTime":2019.61,"body":"you're excited about Carl over"},{"speaker":"Nick Lincoln","startTime":2019.61,"endTime":2020.4199999999998,"body":"over over the"},{"speaker":"Carl Widger","startTime":2021.29,"endTime":2022.9099999999999,"body":"I'm not I wouldn't"},{"speaker":"Carl Widger","startTime":2021.29,"endTime":2022.9099999999999,"body":"say I'm excited about it. I"},{"speaker":"Carl Widger","startTime":2022.9099999999999,"endTime":2025.1899999999998,"body":"wouldn't say it's linked to any"},{"speaker":"Carl Widger","startTime":2022.9099999999999,"endTime":2025.1899999999998,"body":"of those previous stories. But"},{"speaker":"Carl Widger","startTime":2025.2199999999998,"endTime":2030.9499999999998,"body":"in the last week, Irish Life who"},{"speaker":"Carl Widger","startTime":2025.2199999999998,"endTime":2030.9499999999998,"body":"would be the biggest provider of"},{"speaker":"Carl Widger","startTime":2030.9499999999998,"endTime":2034.82,"body":"pensions in the Irish market are"},{"speaker":"Carl Widger","startTime":2030.9499999999998,"endTime":2034.82,"body":"owned by a Canadian company,"},{"speaker":"Carl Widger","startTime":2034.85,"endTime":2037.9699999999998,"body":"despite their name, but their"},{"speaker":"Carl Widger","startTime":2034.85,"endTime":2037.9699999999998,"body":"massive massive player in the"},{"speaker":"Carl Widger","startTime":2037.9699999999998,"endTime":2041.06,"body":"Irish market. And over the last"},{"speaker":"Carl Widger","startTime":2037.9699999999998,"endTime":2041.06,"body":"few years, they've bought up"},{"speaker":"Carl Widger","startTime":2041.09,"endTime":2046.25,"body":"some of the, I suppose the kind"},{"speaker":"Carl Widger","startTime":2041.09,"endTime":2046.25,"body":"of corporate brokers, and they"},{"speaker":"Carl Widger","startTime":2046.25,"endTime":2049.34,"body":"didn't really do much with them."},{"speaker":"Carl Widger","startTime":2046.25,"endTime":2049.34,"body":"And everyone was kind of on"},{"speaker":"Carl Widger","startTime":2049.37,"endTime":2051.86,"body":"that's a little bit strange. And"},{"speaker":"Carl Widger","startTime":2049.37,"endTime":2051.86,"body":"they were all acting kind of"},{"speaker":"Carl Widger","startTime":2051.89,"endTime":2055.64,"body":"independently of each other. And"},{"speaker":"Carl Widger","startTime":2051.89,"endTime":2055.64,"body":"in the last week, they have"},{"speaker":"Carl Widger","startTime":2055.64,"endTime":2059.15,"body":"decided are they have announced"},{"speaker":"Carl Widger","startTime":2055.64,"endTime":2059.15,"body":"that they're going to launch a"},{"speaker":"Carl Widger","startTime":2059.15,"endTime":2061.73,"body":"company, they're going to jam"},{"speaker":"Carl Widger","startTime":2059.15,"endTime":2061.73,"body":"these three or four or five"},{"speaker":"Carl Widger","startTime":2061.73,"endTime":2065.84,"body":"firms together and call it"},{"speaker":"Carl Widger","startTime":2061.73,"endTime":2065.84,"body":"O'Neill I think. And I was like,"},{"speaker":"Carl Widger","startTime":2065.87,"endTime":2068.57,"body":"Ooh, this is interesting. So"},{"speaker":"Carl Widger","startTime":2065.87,"endTime":2068.57,"body":"what are they going to do? And"},{"speaker":"Carl Widger","startTime":2068.87,"endTime":2071.69,"body":"the first line are that one of"},{"speaker":"Carl Widger","startTime":2068.87,"endTime":2071.69,"body":"the headlines I wrote was they"},{"speaker":"Carl Widger","startTime":2071.72,"endTime":2075.35,"body":"are I read was that they were"},{"speaker":"Carl Widger","startTime":2071.72,"endTime":2075.35,"body":"going to disrupt the IoT Wealth"},{"speaker":"Carl Widger","startTime":2075.35,"endTime":2083.18,"body":"Management market in Ireland. I"},{"speaker":"Carl Widger","startTime":2075.35,"endTime":2083.18,"body":"am no interested, right. This is"},{"speaker":"Carl Widger","startTime":2083.21,"endTime":2087.32,"body":"this is my bread and butter"},{"speaker":"Carl Widger","startTime":2083.21,"endTime":2087.32,"body":"here. And so I read on and there"},{"speaker":"Carl Widger","startTime":2087.32,"endTime":2091.85,"body":"was loads and loads and loads of"},{"speaker":"Carl Widger","startTime":2087.32,"endTime":2091.85,"body":"media articles on this. And I"},{"speaker":"Carl Widger","startTime":2091.91,"endTime":2095.03,"body":"think I'll share one in the show"},{"speaker":"Carl Widger","startTime":2091.91,"endTime":2095.03,"body":"notes. But like, just if anyone"},{"speaker":"Carl Widger","startTime":2095.03,"endTime":2097.73,"body":"wants to google it, it was in"},{"speaker":"Carl Widger","startTime":2095.03,"endTime":2097.73,"body":"the Sunday Times yesterday and"},{"speaker":"Carl Widger","startTime":2097.73,"endTime":2100.73,"body":"in all the broadsheets last"},{"speaker":"Carl Widger","startTime":2097.73,"endTime":2100.73,"body":"week. So anyway, what are they"},{"speaker":"Carl Widger","startTime":2100.73,"endTime":2103.13,"body":"going to do to disrupt the"},{"speaker":"Carl Widger","startTime":2100.73,"endTime":2103.13,"body":"wealth management market in"},{"speaker":"Carl Widger","startTime":2103.13,"endTime":2107.6,"body":"Ireland? Mainly two things,"},{"speaker":"Carl Widger","startTime":2103.13,"endTime":2107.6,"body":"they're going to open up"},{"speaker":"Carl Widger","startTime":2107.63,"endTime":2113.06,"body":"investments, all types of"},{"speaker":"Carl Widger","startTime":2107.63,"endTime":2113.06,"body":"different investments to high"},{"speaker":"Carl Widger","startTime":2113.06,"endTime":2116.6,"body":"net worth individuals via a"},{"speaker":"Carl Widger","startTime":2113.06,"endTime":2116.6,"body":"platform."},{"speaker":"Nick Lincoln","startTime":2118.07,"endTime":2119.39,"body":"Why is that"},{"speaker":"Nick Lincoln","startTime":2118.07,"endTime":2119.39,"body":"groundbreaking?"},{"speaker":"Carl Widger","startTime":2120.68,"endTime":2122.81,"body":"Well wait to hear"},{"speaker":"Carl Widger","startTime":2120.68,"endTime":2122.81,"body":"the next bit, they're going to"},{"speaker":"Carl Widger","startTime":2122.81,"endTime":2126.98,"body":"do financial planning, so"},{"speaker":"Carl Widger","startTime":2122.81,"endTime":2126.98,"body":"they're going to do kind of cash"},{"speaker":"Carl Widger","startTime":2126.98,"endTime":2131.99,"body":"flow modeling, just disrupting"},{"speaker":"Carl Widger","startTime":2126.98,"endTime":2131.99,"body":"the Irish market with stuff that"},{"speaker":"Carl Widger","startTime":2131.99,"endTime":2136.3399999999997,"body":"matters, Ireland, and some other"},{"speaker":"Carl Widger","startTime":2131.99,"endTime":2136.3399999999997,"body":"really, really good firms that"},{"speaker":"Carl Widger","startTime":2136.3399999999997,"endTime":2140.0299999999997,"body":"aren't and has been doing have"},{"speaker":"Carl Widger","startTime":2136.3399999999997,"endTime":2140.0299999999997,"body":"been doing for the last. You"},{"speaker":"Carl Widger","startTime":2140.0299999999997,"endTime":2143.15,"body":"know, it's it's been fairly"},{"speaker":"Carl Widger","startTime":2140.0299999999997,"endTime":2143.15,"body":"common for the last five years,"},{"speaker":"Carl Widger","startTime":2143.15,"endTime":2147.5299999999997,"body":"but to be you know, I just"},{"speaker":"Carl Widger","startTime":2143.15,"endTime":2147.5299999999997,"body":"thought, this is a this is a"},{"speaker":"Carl Widger","startTime":2147.5299999999997,"endTime":2151.43,"body":"little bit like, you know, paper"},{"speaker":"Carl Widger","startTime":2147.5299999999997,"endTime":2151.43,"body":"won't refusing, like for, for"},{"speaker":"Carl Widger","startTime":2151.43,"endTime":2153.92,"body":"journalists, financial"},{"speaker":"Carl Widger","startTime":2151.43,"endTime":2153.92,"body":"journalist to be putting out"},{"speaker":"Carl Widger","startTime":2153.92,"endTime":2157.4,"body":"there that this is a this is a"},{"speaker":"Carl Widger","startTime":2153.92,"endTime":2157.4,"body":"disruption of wealth management"},{"speaker":"Carl Widger","startTime":2157.43,"endTime":2161.66,"body":"in Ireland, when you know,"},{"speaker":"Carl Widger","startTime":2157.43,"endTime":2161.66,"body":"platforms and, you know,"},{"speaker":"Carl Widger","startTime":2161.66,"endTime":2163.79,"body":"they're, like, one of the things"},{"speaker":"Carl Widger","startTime":2161.66,"endTime":2163.79,"body":"was, Oh, we're gonna have"},{"speaker":"Carl Widger","startTime":2163.8199999999997,"endTime":2168.35,"body":"passive funds on platforms. This"},{"speaker":"Carl Widger","startTime":2163.8199999999997,"endTime":2168.35,"body":"has existed for like 10 years."},{"speaker":"Carl Widger","startTime":2168.38,"endTime":2172.31,"body":"This is not new. And yet we're,"},{"speaker":"Carl Widger","startTime":2168.38,"endTime":2172.31,"body":"you know, open up any of the"},{"speaker":"Carl Widger","startTime":2172.31,"endTime":2176.12,"body":"financial sections of any of the"},{"speaker":"Carl Widger","startTime":2172.31,"endTime":2176.12,"body":"papers, our websites that you"},{"speaker":"Carl Widger","startTime":2176.12,"endTime":2179.06,"body":"Want to look at an Ireland over"},{"speaker":"Carl Widger","startTime":2176.12,"endTime":2179.06,"body":"the last week or so? And this is"},{"speaker":"Carl Widger","startTime":2179.06,"endTime":2182.27,"body":"like massive, massive news. And"},{"speaker":"Carl Widger","startTime":2179.06,"endTime":2182.27,"body":"it's like, I got text from"},{"speaker":"Carl Widger","startTime":2182.27,"endTime":2187.5499999999997,"body":"clients texting me going. Is"},{"speaker":"Carl Widger","startTime":2182.27,"endTime":2187.5499999999997,"body":"that not what we already have?"},{"speaker":"Carl Widger","startTime":2187.5499999999997,"endTime":2192.0499999999997,"body":"And I'm like, yeah, it totally"},{"speaker":"Carl Widger","startTime":2187.5499999999997,"endTime":2192.0499999999997,"body":"is. So look, I'm a little bit a"},{"speaker":"Carl Widger","startTime":2192.0499999999997,"endTime":2195.29,"body":"little bit disappointed, not"},{"speaker":"Carl Widger","startTime":2192.0499999999997,"endTime":2195.29,"body":"with O'Neill or Irish Life,"},{"speaker":"Carl Widger","startTime":2195.29,"endTime":2198.08,"body":"because they did their job"},{"speaker":"Carl Widger","startTime":2195.29,"endTime":2198.08,"body":"really, really, really well. And"},{"speaker":"Carl Widger","startTime":2198.08,"endTime":2200.81,"body":"they got their, their PR and"},{"speaker":"Carl Widger","startTime":2198.08,"endTime":2200.81,"body":"their marketing machine and it"},{"speaker":"Carl Widger","startTime":2200.81,"endTime":2204.5,"body":"stepped into action, right? But"},{"speaker":"Carl Widger","startTime":2200.81,"endTime":2204.5,"body":"like, it's Come on, guys, give"},{"speaker":"Carl Widger","startTime":2204.5,"endTime":2206.8399999999997,"body":"us a break. And it's like, who"},{"speaker":"Carl Widger","startTime":2204.5,"endTime":2206.8399999999997,"body":"has the most money? So they're"},{"speaker":"Carl Widger","startTime":2206.8399999999997,"endTime":2209.81,"body":"gonna pay all the media and all"},{"speaker":"Carl Widger","startTime":2206.8399999999997,"endTime":2209.81,"body":"of that kind of stuff? Yeah."},{"speaker":"Alan Smith","startTime":2210.14,"endTime":2212.69,"body":"Oh, well, just just"},{"speaker":"Alan Smith","startTime":2210.14,"endTime":2212.69,"body":"let me ask you a question."},{"speaker":"Alan Smith","startTime":2212.69,"endTime":2216.92,"body":"Because again, I always try to"},{"speaker":"Alan Smith","startTime":2212.69,"endTime":2216.92,"body":"be aware of this curse of"},{"speaker":"Alan Smith","startTime":2216.92,"endTime":2221.33,"body":"knowledge and the fact that we"},{"speaker":"Alan Smith","startTime":2216.92,"endTime":2221.33,"body":"lie, we live in a bubble. And I"},{"speaker":"Alan Smith","startTime":2221.33,"endTime":2224.27,"body":"assume that everyone does all"},{"speaker":"Alan Smith","startTime":2221.33,"endTime":2224.27,"body":"the things that we do. And then"},{"speaker":"Alan Smith","startTime":2224.27,"endTime":2227.39,"body":"I go every now and again,"},{"speaker":"Alan Smith","startTime":2224.27,"endTime":2227.39,"body":"against my better judgment, I"},{"speaker":"Alan Smith","startTime":2227.39,"endTime":2230.2999999999997,"body":"end up at compliance conference"},{"speaker":"Alan Smith","startTime":2227.39,"endTime":2230.2999999999997,"body":"or something like that. And I"},{"speaker":"Alan Smith","startTime":2230.2999999999997,"endTime":2233.66,"body":"realize that no, very, very few"},{"speaker":"Alan Smith","startTime":2230.2999999999997,"endTime":2233.66,"body":"people do what we do in terms of"},{"speaker":"Alan Smith","startTime":2233.66,"endTime":2238.2799999999997,"body":"the advisory market, the broader"},{"speaker":"Alan Smith","startTime":2233.66,"endTime":2238.2799999999997,"body":"advice market, if you were to"},{"speaker":"Alan Smith","startTime":2238.2799999999997,"endTime":2242.5099999999998,"body":"estimate in Ireland, what"},{"speaker":"Alan Smith","startTime":2238.2799999999997,"endTime":2242.5099999999998,"body":"percentage of the total Irish"},{"speaker":"Alan Smith","startTime":2242.5099999999998,"endTime":2247.37,"body":"advice market does what Metis?"},{"speaker":"Alan Smith","startTime":2242.5099999999998,"endTime":2247.37,"body":"Norway? I mean, Metis Ireland do"},{"speaker":"Alan Smith","startTime":2247.52,"endTime":2251.0899999999997,"body":"like to do proper planning, used"},{"speaker":"Alan Smith","startTime":2247.52,"endTime":2251.0899999999997,"body":"platforms use index use factor"},{"speaker":"Alan Smith","startTime":2251.0899999999997,"endTime":2253.97,"body":"based funds, all that stuff, but"},{"speaker":"Alan Smith","startTime":2251.0899999999997,"endTime":2253.97,"body":"what percentage would it be?"},{"speaker":"Alan Smith","startTime":2253.97,"endTime":2256.46,"body":"Would it be 10% 20%? Less more?"},{"speaker":"Carl Widger","startTime":2256.7,"endTime":2261.38,"body":"No, way less, way"},{"speaker":"Carl Widger","startTime":2256.7,"endTime":2261.38,"body":"less? Right? Yeah. So that's not"},{"speaker":"Carl Widger","startTime":2261.38,"endTime":2266.21,"body":"really the point. The point is"},{"speaker":"Carl Widger","startTime":2261.38,"endTime":2266.21,"body":"that like, like, don't so I'll"},{"speaker":"Carl Widger","startTime":2266.21,"endTime":2269.63,"body":"answer your question. There's"},{"speaker":"Carl Widger","startTime":2266.21,"endTime":2269.63,"body":"about 1200 advisors in Ireland,"},{"speaker":"Carl Widger","startTime":2269.66,"endTime":2273.2,"body":"which is like about 700 probably"},{"speaker":"Carl Widger","startTime":2269.66,"endTime":2273.2,"body":"too many and that's that's what"},{"speaker":"Carl Widger","startTime":2273.2,"endTime":2275.81,"body":"the central bankers saying. So"},{"speaker":"Carl Widger","startTime":2273.2,"endTime":2275.81,"body":"they're trying to you know,"},{"speaker":"Carl Widger","startTime":2275.8399999999997,"endTime":2279.65,"body":"squeeze out a little bit or a"},{"speaker":"Carl Widger","startTime":2275.8399999999997,"endTime":2279.65,"body":"good bit. And of course, the"},{"speaker":"Carl Widger","startTime":2279.65,"endTime":2283.7599999999998,"body":"best way of doing that was to"},{"speaker":"Carl Widger","startTime":2279.65,"endTime":2283.7599999999998,"body":"introduce RDR which we still do"},{"speaker":"Carl Widger","startTime":2283.7599999999998,"endTime":2289.64,"body":"not have them were praying for"},{"speaker":"Carl Widger","startTime":2283.7599999999998,"endTime":2289.64,"body":"and hoping for here. And then"},{"speaker":"Carl Widger","startTime":2289.64,"endTime":2292.7,"body":"also they'll also see that I was"},{"speaker":"Carl Widger","startTime":2289.64,"endTime":2292.7,"body":"deeply uncomfortable with the"},{"speaker":"Carl Widger","startTime":2292.7,"endTime":2299.3599999999997,"body":"content of some of today's going"},{"speaker":"Carl Widger","startTime":2292.7,"endTime":2299.3599999999997,"body":"to the Irish versus UK cultural"},{"speaker":"Carl Widger","startTime":2299.3599999999997,"endTime":2299.96,"body":"differences"},{"speaker":"Nick Lincoln","startTime":2307.25,"endTime":2309.92,"body":"you will get your"},{"speaker":"Nick Lincoln","startTime":2307.25,"endTime":2309.92,"body":"art someday my RDR will come"},{"speaker":"Nick Lincoln","startTime":2310.0699999999997,"endTime":2310.46,"body":"which was"},{"speaker":"Carl Widger","startTime":2311.06,"endTime":2314.5099999999998,"body":"that was so"},{"speaker":"Carl Widger","startTime":2311.06,"endTime":2314.5099999999998,"body":"spontaneous, Andy Andy, send a"},{"speaker":"Carl Widger","startTime":2314.5099999999998,"endTime":2317.39,"body":"message today to do the drop but"},{"speaker":"Carl Widger","startTime":2314.5099999999998,"endTime":2317.39,"body":"anyway,"},{"speaker":"Andy Hart","startTime":2319.16,"endTime":2321.02,"body":"we've got a lack of"},{"speaker":"Andy Hart","startTime":2319.16,"endTime":2321.02,"body":"drops in this episode."},{"speaker":"Carl Widger","startTime":2324.0499999999997,"endTime":2327.35,"body":"Yeah, but um, yeah,"},{"speaker":"Carl Widger","startTime":2324.0499999999997,"endTime":2327.35,"body":"so so so that's kind of the"},{"speaker":"Carl Widger","startTime":2327.35,"endTime":2331.13,"body":"answer to your question Ireland,"},{"speaker":"Carl Widger","startTime":2327.35,"endTime":2331.13,"body":"but there are still very few"},{"speaker":"Carl Widger","startTime":2331.13,"endTime":2334.73,"body":"doing real financial planning"},{"speaker":"Carl Widger","startTime":2331.13,"endTime":2334.73,"body":"and doing you know, investing"},{"speaker":"Carl Widger","startTime":2334.73,"endTime":2337.7,"body":"through platforms and that kind"},{"speaker":"Carl Widger","startTime":2334.73,"endTime":2337.7,"body":"of stuff because of course, you"},{"speaker":"Carl Widger","startTime":2337.7,"endTime":2341.15,"body":"can't take the big upfront"},{"speaker":"Carl Widger","startTime":2337.7,"endTime":2341.15,"body":"commish if you're, you know,"},{"speaker":"Carl Widger","startTime":2341.15,"endTime":2345.38,"body":"investing via platforms, having"},{"speaker":"Carl Widger","startTime":2341.15,"endTime":2345.38,"body":"said that, there are some really"},{"speaker":"Carl Widger","startTime":2345.38,"endTime":2349.16,"body":"good ones now following our"},{"speaker":"Carl Widger","startTime":2345.38,"endTime":2349.16,"body":"lead, and that is magnificent to"},{"speaker":"Carl Widger","startTime":2349.16,"endTime":2352.0699999999997,"body":"see. And there's lots of people"},{"speaker":"Carl Widger","startTime":2349.16,"endTime":2352.0699999999997,"body":"that I'm talking to No, I didn't"},{"speaker":"Carl Widger","startTime":2352.0699999999997,"endTime":2354.5,"body":"really have anyone to talk to"},{"speaker":"Carl Widger","startTime":2352.0699999999997,"endTime":2354.5,"body":"about this. I know there are and"},{"speaker":"Carl Widger","startTime":2354.56,"endTime":2356.24,"body":"that is brilliant, brilliant,"},{"speaker":"Carl Widger","startTime":2354.56,"endTime":2356.24,"body":"brilliant."},{"speaker":"Nick Lincoln","startTime":2356.359,"endTime":2358.0389999999998,"body":"Can I can I"},{"speaker":"Nick Lincoln","startTime":2356.359,"endTime":2358.0389999999998,"body":"suggest something to you my"},{"speaker":"Nick Lincoln","startTime":2358.0389999999998,"endTime":2361.429,"body":"friend just just an idea. You"},{"speaker":"Nick Lincoln","startTime":2358.0389999999998,"endTime":2361.429,"body":"know, is it worth you taking out"},{"speaker":"Nick Lincoln","startTime":2361.459,"endTime":2365.149,"body":"some sort of expensive and an"},{"speaker":"Nick Lincoln","startTime":2361.459,"endTime":2365.149,"body":"advert in the in the Irish"},{"speaker":"Nick Lincoln","startTime":2366.169,"endTime":2368.569,"body":"quality papers and saying you"},{"speaker":"Nick Lincoln","startTime":2366.169,"endTime":2368.569,"body":"may have read this announcement"},{"speaker":"Nick Lincoln","startTime":2368.569,"endTime":2371.8689999999997,"body":"by Irish Life and unio just so"},{"speaker":"Nick Lincoln","startTime":2368.569,"endTime":2371.8689999999997,"body":"you know, we've been doing this"},{"speaker":"Nick Lincoln","startTime":2371.8689999999997,"endTime":2375.499,"body":"for 15 years. And something"},{"speaker":"Nick Lincoln","startTime":2371.8689999999997,"endTime":2375.499,"body":"clean? You know what I mean?"},{"speaker":"Nick Lincoln","startTime":2375.499,"endTime":2377.5989999999997,"body":"Don't just you know, get on"},{"speaker":"Andy Hart","startTime":2379.04,"endTime":2380.15,"body":"with Irish law. We"},{"speaker":"Andy Hart","startTime":2379.04,"endTime":2380.15,"body":"are."},{"speaker":"Unknown","startTime":2382.58,"endTime":2386.63,"body":"We are well, we I don't"},{"speaker":"Unknown","startTime":2382.58,"endTime":2386.63,"body":"know. What did Irish Life do"},{"speaker":"Unknown","startTime":2386.63,"endTime":2387.83,"body":"wrong? Absolutely. No, no,"},{"speaker":"Alan Smith","startTime":2387.83,"endTime":2390.35,"body":"they've done no,"},{"speaker":"Alan Smith","startTime":2387.83,"endTime":2390.35,"body":"this is called newsjacking. And"},{"speaker":"Alan Smith","startTime":2390.35,"endTime":2393.17,"body":"you just jump in the back of it."},{"speaker":"Alan Smith","startTime":2390.35,"endTime":2393.17,"body":"You say we welcome that we welke"},{"speaker":"Alan Smith","startTime":2393.5,"endTime":2396.95,"body":"I know mine away when Vanguard"},{"speaker":"Alan Smith","startTime":2393.5,"endTime":2396.95,"body":"announced something a couple of"},{"speaker":"Alan Smith","startTime":2396.95,"endTime":2399.02,"body":"years ago when they were when"},{"speaker":"Alan Smith","startTime":2396.95,"endTime":2399.02,"body":"they were doing their now which"},{"speaker":"Alan Smith","startTime":2399.02,"endTime":2402.08,"body":"we spoke about before ill fated"},{"speaker":"Alan Smith","startTime":2399.02,"endTime":2402.08,"body":"attempt of financial planning."},{"speaker":"Alan Smith","startTime":2402.1099999999997,"endTime":2405.8599999999997,"body":"And I said, they said something"},{"speaker":"Alan Smith","startTime":2402.1099999999997,"endTime":2405.8599999999997,"body":"like, you know, we realize that"},{"speaker":"Alan Smith","startTime":2405.8599999999997,"endTime":2408.56,"body":"coaching and behavior and all"},{"speaker":"Alan Smith","startTime":2405.8599999999997,"endTime":2408.56,"body":"that stuff is quite important to"},{"speaker":"Alan Smith","startTime":2408.56,"endTime":2411.47,"body":"the advice piece and I just"},{"speaker":"Alan Smith","startTime":2408.56,"endTime":2411.47,"body":"said, welcome Vanguard, we've"},{"speaker":"Alan Smith","startTime":2411.47,"endTime":2414.35,"body":"been waiting for you. We've been"},{"speaker":"Alan Smith","startTime":2411.47,"endTime":2414.35,"body":"doing this for 20 years, but we"},{"speaker":"Alan Smith","startTime":2414.35,"endTime":2417.5299999999997,"body":"welcome you joining the gang The"},{"speaker":"Alan Smith","startTime":2414.35,"endTime":2417.5299999999997,"body":"more the merrier sort of thing."},{"speaker":"Alan Smith","startTime":2417.5299999999997,"endTime":2420.17,"body":"So you can make a bit of a joke"},{"speaker":"Alan Smith","startTime":2417.5299999999997,"endTime":2420.17,"body":"about it. But certainly a"},{"speaker":"Alan Smith","startTime":2420.17,"endTime":2422.5699999999997,"body":"message to your clients you"},{"speaker":"Alan Smith","startTime":2420.17,"endTime":2422.5699999999997,"body":"might if it's all over the press"},{"speaker":"Alan Smith","startTime":2422.5699999999997,"endTime":2426.62,"body":"you may have read this great"},{"speaker":"Alan Smith","startTime":2422.5699999999997,"endTime":2426.62,"body":"word it's it's more sort of"},{"speaker":"Alan Smith","startTime":2426.62,"endTime":2429.35,"body":"backing that we are on the right"},{"speaker":"Alan Smith","startTime":2426.62,"endTime":2429.35,"body":"tracks that a big big"},{"speaker":"Alan Smith","startTime":2429.35,"endTime":2432.5,"body":"organization is finally"},{"speaker":"Alan Smith","startTime":2429.35,"endTime":2432.5,"body":"following in our footsteps"},{"speaker":"Andy Hart","startTime":2432.56,"endTime":2434.93,"body":"or it's like pretty"},{"speaker":"Andy Hart","startTime":2432.56,"endTime":2434.93,"body":"much all the robos like pretty"},{"speaker":"Andy Hart","startTime":2434.93,"endTime":2439.85,"body":"much all the robos Hargreaves"},{"speaker":"Andy Hart","startTime":2434.93,"endTime":2439.85,"body":"Lansdown doing this is 1981 So"},{"speaker":"Andy Hart","startTime":2439.85,"endTime":2441.7999999999997,"body":"it was dreadful embarrassing"},{"speaker":"Andy Hart","startTime":2439.85,"endTime":2441.7999999999997,"body":"when they came out and said"},{"speaker":"Andy Hart","startTime":2441.7999999999997,"endTime":2445.19,"body":"we're going to do online funds I"},{"speaker":"Andy Hart","startTime":2441.7999999999997,"endTime":2445.19,"body":"mean really? Anyway"},{"speaker":"Carl Widger","startTime":2448.7,"endTime":2451.22,"body":"All right, for me"},{"speaker":"Carl Widger","startTime":2448.7,"endTime":2451.22,"body":"it's the dawn of a new era and"},{"speaker":"Carl Widger","startTime":2451.22,"endTime":2453.95,"body":"hopefully we do get already are"},{"speaker":"Carl Widger","startTime":2451.22,"endTime":2453.95,"body":"hopefully the Dupin Commission's"},{"speaker":"Carl Widger","startTime":2453.95,"endTime":2455.99,"body":"and there's a couple of things"},{"speaker":"Carl Widger","startTime":2453.95,"endTime":2455.99,"body":"that we should be doing over"},{"speaker":"Carl Widger","startTime":2455.99,"endTime":2459.83,"body":"here but anyway, that's for"},{"speaker":"Carl Widger","startTime":2455.99,"endTime":2459.83,"body":"another day. And I sometimes"},{"speaker":"Carl Widger","startTime":2459.83,"endTime":2460.0699999999997,"body":"hear"},{"speaker":"Andy Hart","startTime":2460.46,"endTime":2462.74,"body":"generally call it a"},{"speaker":"Andy Hart","startTime":2460.46,"endTime":2462.74,"body":"step in the right direction that"},{"speaker":"Andy Hart","startTime":2462.74,"endTime":2466.31,"body":"a huge brand has recognized that"},{"speaker":"Andy Hart","startTime":2462.74,"endTime":2466.31,"body":"you know, proper investing,"},{"speaker":"Andy Hart","startTime":2466.4,"endTime":2470.96,"body":"financial planning should be at"},{"speaker":"Andy Hart","startTime":2466.4,"endTime":2470.96,"body":"the forefront. All be I know"},{"speaker":"Andy Hart","startTime":2470.99,"endTime":2472.2799999999997,"body":"this is a PR"},{"speaker":"Carl Widger","startTime":2474.83,"endTime":2478.58,"body":"no Andy I I hear"},{"speaker":"Carl Widger","startTime":2474.83,"endTime":2478.58,"body":"you, I agree with you. It"},{"speaker":"Carl Widger","startTime":2478.58,"endTime":2480.95,"body":"remains to be seen, of course"},{"speaker":"Carl Widger","startTime":2478.58,"endTime":2480.95,"body":"that, you know, if they have a"},{"speaker":"Carl Widger","startTime":2480.95,"endTime":2484.1,"body":"handy million to invest, will it"},{"speaker":"Carl Widger","startTime":2480.95,"endTime":2484.1,"body":"be invested in the right things?"},{"speaker":"Carl Widger","startTime":2484.13,"endTime":2486.98,"body":"And will they in fact do the"},{"speaker":"Carl Widger","startTime":2484.13,"endTime":2486.98,"body":"real financial planning and"},{"speaker":"Carl Widger","startTime":2487.1,"endTime":2492.56,"body":"let's hope that they do. One"},{"speaker":"Carl Widger","startTime":2487.1,"endTime":2492.56,"body":"journalist in I read yesterday"},{"speaker":"Carl Widger","startTime":2492.56,"endTime":2495.44,"body":"said, it's it's kind of comical"},{"speaker":"Carl Widger","startTime":2492.56,"endTime":2495.44,"body":"that they're saying that they're"},{"speaker":"Carl Widger","startTime":2495.44,"endTime":2499.1,"body":"disrupting the Irish Wealth"},{"speaker":"Carl Widger","startTime":2495.44,"endTime":2499.1,"body":"Management market. So there are"},{"speaker":"Carl Widger","startTime":2499.1,"endTime":2502.0699999999997,"body":"people who understand that this"},{"speaker":"Carl Widger","startTime":2499.1,"endTime":2502.0699999999997,"body":"stuff has already been there."},{"speaker":"Carl Widger","startTime":2502.16,"endTime":2504.41,"body":"I'm just a little bit"},{"speaker":"Carl Widger","startTime":2502.16,"endTime":2504.41,"body":"disappointed with the ones that"},{"speaker":"Carl Widger","startTime":2504.41,"endTime":2506.96,"body":"I just flashed this out, like,"},{"speaker":"Carl Widger","startTime":2504.41,"endTime":2506.96,"body":"this was a matter of fact that"},{"speaker":"Carl Widger","startTime":2506.96,"endTime":2510.95,"body":"nobody is doing this. And I'm"},{"speaker":"Carl Widger","startTime":2506.96,"endTime":2510.95,"body":"like, you know, anyway, it's,"},{"speaker":"Carl Widger","startTime":2511.37,"endTime":2513.62,"body":"broadly speaking, I would I"},{"speaker":"Carl Widger","startTime":2511.37,"endTime":2513.62,"body":"would definitely weltweit"},{"speaker":"Andy Hart","startTime":2513.62,"endTime":2515.72,"body":"my final point on"},{"speaker":"Andy Hart","startTime":2513.62,"endTime":2515.72,"body":"this as a bit of an insider, I"},{"speaker":"Andy Hart","startTime":2515.72,"endTime":2518.75,"body":"have been over to Ireland"},{"speaker":"Andy Hart","startTime":2515.72,"endTime":2518.75,"body":"through training with Irish Life"},{"speaker":"Andy Hart","startTime":2518.7799999999997,"endTime":2522.23,"body":"and the names that they've taken"},{"speaker":"Andy Hart","startTime":2518.7799999999997,"endTime":2522.23,"body":"over and sort of created this"},{"speaker":"Andy Hart","startTime":2522.23,"endTime":2524.66,"body":"one new brand where they've done"},{"speaker":"Andy Hart","startTime":2522.23,"endTime":2524.66,"body":"trying to acquire a few of those"},{"speaker":"Andy Hart","startTime":2524.66,"endTime":2528.1099999999997,"body":"firms. So yeah, they are are"},{"speaker":"Andy Hart","startTime":2524.66,"endTime":2528.1099999999997,"body":"genuinely wanting to do proper"},{"speaker":"Andy Hart","startTime":2528.1099999999997,"endTime":2531.23,"body":"financial planning. Someone"},{"speaker":"Andy Hart","startTime":2528.1099999999997,"endTime":2531.23,"body":"who's been there and train them,"},{"speaker":"Andy Hart","startTime":2531.2599999999998,"endTime":2533.39,"body":"but yeah, well, good. Over to"},{"speaker":"Andy Hart","startTime":2531.2599999999998,"endTime":2533.39,"body":"you, Nick."},{"speaker":"Carl Widger","startTime":2535.2799999999997,"endTime":2536.87,"body":"So I'll just need"},{"speaker":"Carl Widger","startTime":2535.2799999999997,"endTime":2536.87,"body":"to take Andy out."},{"speaker":"Nick Lincoln","startTime":2537.95,"endTime":2539.48,"body":"Just need to take"},{"speaker":"Nick Lincoln","startTime":2537.95,"endTime":2539.48,"body":"Andy out. Would you do it for"},{"speaker":"Nick Lincoln","startTime":2539.48,"endTime":2543.41,"body":"them to do it for everybody,"},{"speaker":"Nick Lincoln","startTime":2539.48,"endTime":2543.41,"body":"would you? That'd be great. As a"},{"speaker":"Nick Lincoln","startTime":2543.41,"endTime":2545.93,"body":"social good, okay, great stuff."},{"speaker":"Nick Lincoln","startTime":2543.41,"endTime":2545.93,"body":"Well, that we've we've managed"},{"speaker":"Nick Lincoln","startTime":2545.93,"endTime":2548.72,"body":"to Witter on with the topical"},{"speaker":"Nick Lincoln","startTime":2545.93,"endTime":2548.72,"body":"items for nearly over 41"},{"speaker":"Nick Lincoln","startTime":2548.72,"endTime":2551.27,"body":"minutes. I think it's time we"},{"speaker":"Nick Lincoln","startTime":2548.72,"endTime":2551.27,"body":"moved on to the favorite that"},{"speaker":"Nick Lincoln","startTime":2551.27,"endTime":2553.19,"body":"well that yes, the main the main"},{"speaker":"Nick Lincoln","startTime":2551.27,"endTime":2553.19,"body":"part of the show the meat and"},{"speaker":"Nick Lincoln","startTime":2553.19,"endTime":2556.4,"body":"potatoes, I can hear the track"},{"speaker":"Nick Lincoln","startTime":2553.19,"endTime":2556.4,"body":"team behind me busy peeling"},{"speaker":"Nick Lincoln","startTime":2556.4,"endTime":2559.31,"body":"their spots, given the meat and"},{"speaker":"Nick Lincoln","startTime":2556.4,"endTime":2559.31,"body":"potatoes ready. So we're going"},{"speaker":"Nick Lincoln","startTime":2559.31,"endTime":2562.37,"body":"to launch off this episode"},{"speaker":"Nick Lincoln","startTime":2559.31,"endTime":2562.37,"body":"episode 18 is meat and potatoes."},{"speaker":"Nick Lincoln","startTime":2562.37,"endTime":2565.67,"body":"I think it's Mr. Smith, you're"},{"speaker":"Nick Lincoln","startTime":2562.37,"endTime":2565.67,"body":"going to talk to us about"},{"speaker":"Nick Lincoln","startTime":2565.67,"endTime":2567.47,"body":"critical nonessentials, my"},{"speaker":"Nick Lincoln","startTime":2565.67,"endTime":2567.47,"body":"friend."},{"speaker":"Alan Smith","startTime":2569.06,"endTime":2573.02,"body":"I am indeed when the"},{"speaker":"Alan Smith","startTime":2569.06,"endTime":2573.02,"body":"knife since faux sharpening"},{"speaker":"Alan Smith","startTime":2573.08,"endTime":2577.91,"body":"calms down, I'll move on. And"},{"speaker":"Alan Smith","startTime":2573.08,"endTime":2577.91,"body":"let me let me open this. This"},{"speaker":"Alan Smith","startTime":2577.91,"endTime":2581.69,"body":"section this meat potatoes"},{"speaker":"Alan Smith","startTime":2577.91,"endTime":2581.69,"body":"section with a brief story"},{"speaker":"Alan Smith","startTime":2581.72,"endTime":2584.93,"body":"taking you back in time 20 years"},{"speaker":"Alan Smith","startTime":2581.72,"endTime":2584.93,"body":"ago"},{"speaker":"Unknown","startTime":2588.77,"endTime":2594.2599999999998,"body":"grab yourself a drink a"},{"speaker":"Unknown","startTime":2588.77,"endTime":2594.2599999999998,"body":"very long drink it Storytime"},{"speaker":"Unknown","startTime":2594.47,"endTime":2596.0,"body":"with Ellen Smith."},{"speaker":"Alan Smith","startTime":2599.0299999999997,"endTime":2602.87,"body":"I think having"},{"speaker":"Alan Smith","startTime":2599.0299999999997,"endTime":2602.87,"body":"avoided doing a few drops we"},{"speaker":"Alan Smith","startTime":2602.87,"endTime":2606.47,"body":"might be we might be entering"},{"speaker":"Alan Smith","startTime":2602.87,"endTime":2606.47,"body":"drop territory for the next five"},{"speaker":"Alan Smith","startTime":2606.47,"endTime":2610.13,"body":"or 10 minutes drop drop gold"},{"speaker":"Alan Smith","startTime":2606.47,"endTime":2610.13,"body":"territory maybe? Well funny. You"},{"speaker":"Alan Smith","startTime":2610.13,"endTime":2614.24,"body":"should say that because 20 years"},{"speaker":"Alan Smith","startTime":2610.13,"endTime":2614.24,"body":"ago, casting your mind back"},{"speaker":"Alan Smith","startTime":2614.24,"endTime":2618.92,"body":"particularly you mr. Lincoln"},{"speaker":"Alan Smith","startTime":2614.24,"endTime":2618.92,"body":"2003. Sort of against all the"},{"speaker":"Alan Smith","startTime":2618.92,"endTime":2625.1,"body":"odds the England rugby team won"},{"speaker":"Alan Smith","startTime":2618.92,"endTime":2625.1,"body":"the Rugby World Cup drives"},{"speaker":"Unknown","startTime":2625.19,"endTime":2629.87,"body":"first 35 seconds to go."},{"speaker":"Unknown","startTime":2625.19,"endTime":2629.87,"body":"This is the one it's coming back"},{"speaker":"Unknown","startTime":2629.9,"endTime":2636.2599999999998,"body":"for Jonny Wilkinson. He drops"},{"speaker":"Unknown","startTime":2629.9,"endTime":2636.2599999999998,"body":"for World Cup glory he's done"},{"speaker":"Unknown","startTime":2636.2599999999998,"endTime":2642.29,"body":"it. Jonny Wilkinson is England"},{"speaker":"Unknown","startTime":2636.2599999999998,"endTime":2642.29,"body":"zero. Johnny Wilkins, Johnny"},{"speaker":"Unknown","startTime":2642.29,"endTime":2644.42,"body":"Wilkins, Johnny Wilkins."},{"speaker":"Nick Lincoln","startTime":2650.5099999999998,"endTime":2652.73,"body":"Come back cold"},{"speaker":"Nick Lincoln","startTime":2650.5099999999998,"endTime":2652.73,"body":"calls cars left the studio and"},{"speaker":"Alan Smith","startTime":2654.859,"endTime":2658.699,"body":"don't worry call is"},{"speaker":"Alan Smith","startTime":2654.859,"endTime":2658.699,"body":"your year this year, you'll get"},{"speaker":"Alan Smith","startTime":2658.999,"endTime":2661.429,"body":"lucky looking forward to the"},{"speaker":"Alan Smith","startTime":2658.999,"endTime":2661.429,"body":"World Cup and Ireland's"},{"speaker":"Alan Smith","startTime":2661.429,"endTime":2665.5989999999997,"body":"performance anyway. So the story"},{"speaker":"Alan Smith","startTime":2661.429,"endTime":2665.5989999999997,"body":"goes, England did win the World"},{"speaker":"Alan Smith","startTime":2665.5989999999997,"endTime":2667.8489999999997,"body":"Cup. It wasn't the best England"},{"speaker":"Alan Smith","startTime":2665.5989999999997,"endTime":2667.8489999999997,"body":"team in history. They won the"},{"speaker":"Alan Smith","startTime":2667.8489999999997,"endTime":2673.399,"body":"World Cup 2003. Their coach at"},{"speaker":"Alan Smith","startTime":2667.8489999999997,"endTime":2673.399,"body":"the time was Clive Woodward now"},{"speaker":"Alan Smith","startTime":2673.429,"endTime":2677.749,"body":"Sir Clive Woodward. And the"},{"speaker":"Alan Smith","startTime":2673.429,"endTime":2677.749,"body":"following year 2004 CLIVE"},{"speaker":"Alan Smith","startTime":2677.749,"endTime":2681.319,"body":"Woodward wrote a book about the"},{"speaker":"Alan Smith","startTime":2677.749,"endTime":2681.319,"body":"whole journey that you went on"},{"speaker":"Alan Smith","startTime":2681.319,"endTime":2684.439,"body":"the book is called winning and"},{"speaker":"Alan Smith","startTime":2681.319,"endTime":2684.439,"body":"frankly, you can't do any better"},{"speaker":"Alan Smith","startTime":2684.439,"endTime":2688.969,"body":"as a coach than win the World"},{"speaker":"Alan Smith","startTime":2684.439,"endTime":2688.969,"body":"Cup with the team under your"},{"speaker":"Alan Smith","startTime":2688.969,"endTime":2692.449,"body":"tutelage and guidance. And to"},{"speaker":"Alan Smith","startTime":2688.969,"endTime":2692.449,"body":"Clive Wood was an interesting"},{"speaker":"Alan Smith","startTime":2692.449,"endTime":2694.939,"body":"character. If you know much"},{"speaker":"Alan Smith","startTime":2692.449,"endTime":2694.939,"body":"about him, Clive Woodward's own"},{"speaker":"Alan Smith","startTime":2694.969,"endTime":2699.379,"body":"career straddled the amateur era"},{"speaker":"Alan Smith","startTime":2694.969,"endTime":2699.379,"body":"and a professional era. So Clive"},{"speaker":"Alan Smith","startTime":2699.379,"endTime":2702.259,"body":"Woodward did have a bit he was"},{"speaker":"Alan Smith","startTime":2699.379,"endTime":2702.259,"body":"in business. He was he had a"},{"speaker":"Alan Smith","startTime":2702.259,"endTime":2706.519,"body":"job. And he was very senior in"},{"speaker":"Alan Smith","startTime":2702.259,"endTime":2706.519,"body":"Xerox, if I remember correctly"},{"speaker":"Alan Smith","startTime":2706.549,"endTime":2710.569,"body":"out in Australia. And so we"},{"speaker":"Alan Smith","startTime":2706.549,"endTime":2710.569,"body":"learned a lot and I'm a big fan"},{"speaker":"Alan Smith","startTime":2710.569,"endTime":2713.509,"body":"of the kind of the crossover"},{"speaker":"Alan Smith","startTime":2710.569,"endTime":2713.509,"body":"between what you can learn from"},{"speaker":"Alan Smith","startTime":2713.5389999999998,"endTime":2716.3889999999997,"body":"elite sport and what you can"},{"speaker":"Alan Smith","startTime":2713.5389999999998,"endTime":2716.3889999999997,"body":"bring into business and vice"},{"speaker":"Alan Smith","startTime":2716.3889999999997,"endTime":2719.629,"body":"versa. And Clive Wood was"},{"speaker":"Alan Smith","startTime":2716.3889999999997,"endTime":2719.629,"body":"encompasses a lot of these"},{"speaker":"Alan Smith","startTime":2719.629,"endTime":2722.479,"body":"conversations. And he taught he"},{"speaker":"Alan Smith","startTime":2719.629,"endTime":2722.479,"body":"explains obviously, the journey"},{"speaker":"Alan Smith","startTime":2722.479,"endTime":2725.5389999999998,"body":"he went on with the England team"},{"speaker":"Alan Smith","startTime":2722.479,"endTime":2725.5389999999998,"body":"and he took it over as coach it"},{"speaker":"Alan Smith","startTime":2725.5389999999998,"endTime":2729.679,"body":"was in a run by these dusty old"},{"speaker":"Alan Smith","startTime":2725.5389999999998,"endTime":2729.679,"body":"men in blazers that, you know,"},{"speaker":"Alan Smith","startTime":2729.679,"endTime":2734.419,"body":"rugby HQ down in Twickenham."},{"speaker":"Alan Smith","startTime":2729.679,"endTime":2734.419,"body":"And, and what is some of the"},{"speaker":"Alan Smith","startTime":2734.449,"endTime":2739.0389999999998,"body":"innovation that he brought in"},{"speaker":"Alan Smith","startTime":2734.449,"endTime":2739.0389999999998,"body":"his original source of"},{"speaker":"Alan Smith","startTime":2739.069,"endTime":2742.909,"body":"inspiration having us living in"},{"speaker":"Alan Smith","startTime":2739.069,"endTime":2742.909,"body":"Australia with at the time and"},{"speaker":"Alan Smith","startTime":2742.909,"endTime":2745.609,"body":"I've mentioned this in a"},{"speaker":"Alan Smith","startTime":2742.909,"endTime":2745.609,"body":"previous episode was a guy by"},{"speaker":"Alan Smith","startTime":2745.609,"endTime":2750.019,"body":"the name of paddy Lund, who was"},{"speaker":"Alan Smith","startTime":2745.609,"endTime":2750.019,"body":"a dentist of all things and He"},{"speaker":"Alan Smith","startTime":2750.019,"endTime":2754.729,"body":"was he was kind of almost"},{"speaker":"Alan Smith","startTime":2750.019,"endTime":2754.729,"body":"suicidal, this guy running his"},{"speaker":"Alan Smith","startTime":2754.729,"endTime":2757.489,"body":"dental practice. He said, All"},{"speaker":"Alan Smith","startTime":2754.729,"endTime":2757.489,"body":"I'm doing is gonna be inflicting"},{"speaker":"Alan Smith","startTime":2757.489,"endTime":2760.429,"body":"pain on people on a regular"},{"speaker":"Alan Smith","startTime":2757.489,"endTime":2760.429,"body":"basis. I don't enjoy it. And you"},{"speaker":"Alan Smith","startTime":2760.429,"endTime":2762.799,"body":"can't get anyone to pay their"},{"speaker":"Alan Smith","startTime":2760.429,"endTime":2762.799,"body":"invoices you're chasing, but"},{"speaker":"Alan Smith","startTime":2762.799,"endTime":2766.3689999999997,"body":"then it was just really really a"},{"speaker":"Alan Smith","startTime":2762.799,"endTime":2766.3689999999997,"body":"poor experience. So paddy Lund"},{"speaker":"Alan Smith","startTime":2766.3689999999997,"endTime":2769.819,"body":"closed his dental practice for a"},{"speaker":"Alan Smith","startTime":2766.3689999999997,"endTime":2769.819,"body":"month reinvented the whole thing"},{"speaker":"Alan Smith","startTime":2769.819,"endTime":2773.779,"body":"the entire client experience"},{"speaker":"Alan Smith","startTime":2769.819,"endTime":2773.779,"body":"from start to finish changed"},{"speaker":"Alan Smith","startTime":2773.779,"endTime":2776.749,"body":"everything and you know, fast"},{"speaker":"Alan Smith","startTime":2773.779,"endTime":2776.749,"body":"forward be came almost a"},{"speaker":"Alan Smith","startTime":2776.749,"endTime":2779.449,"body":"celebrity dentist, he didn't"},{"speaker":"Alan Smith","startTime":2776.749,"endTime":2779.449,"body":"advertise anywhere. But he the"},{"speaker":"Alan Smith","startTime":2779.449,"endTime":2781.909,"body":"waiting list to sign up, he"},{"speaker":"Alan Smith","startTime":2779.449,"endTime":2781.909,"body":"charged more than anyone else."},{"speaker":"Alan Smith","startTime":2781.939,"endTime":2785.209,"body":"And he became a hugely six a"},{"speaker":"Alan Smith","startTime":2781.939,"endTime":2785.209,"body":"huge success. And a lot of the"},{"speaker":"Alan Smith","startTime":2785.209,"endTime":2788.5989999999997,"body":"focus was on very, very small"},{"speaker":"Alan Smith","startTime":2785.209,"endTime":2788.5989999999997,"body":"what Patti Lund christened"},{"speaker":"Alan Smith","startTime":2788.629,"endTime":2792.319,"body":"critical non essentials. So all"},{"speaker":"Alan Smith","startTime":2788.629,"endTime":2792.319,"body":"these things individually by"},{"speaker":"Alan Smith","startTime":2792.319,"endTime":2795.5589999999997,"body":"themselves, it was so not"},{"speaker":"Alan Smith","startTime":2792.319,"endTime":2795.5589999999997,"body":"essential. But if you added them"},{"speaker":"Alan Smith","startTime":2795.5589999999997,"endTime":2799.609,"body":"all together, they were critical"},{"speaker":"Alan Smith","startTime":2795.5589999999997,"endTime":2799.609,"body":"to the ultimate success. So"},{"speaker":"Alan Smith","startTime":2800.029,"endTime":2803.479,"body":"wouldwould takes a lot of these"},{"speaker":"Alan Smith","startTime":2800.029,"endTime":2803.479,"body":"ideas into the onto the rugby"},{"speaker":"Alan Smith","startTime":2803.479,"endTime":2806.839,"body":"field and the whole rugby"},{"speaker":"Alan Smith","startTime":2803.479,"endTime":2806.839,"body":"environment, and starts making a"},{"speaker":"Alan Smith","startTime":2806.839,"endTime":2810.199,"body":"few small but really important"},{"speaker":"Alan Smith","startTime":2806.839,"endTime":2810.199,"body":"changes. So a couple that I"},{"speaker":"Alan Smith","startTime":2810.199,"endTime":2814.0389999999998,"body":"remember, for example, players"},{"speaker":"Alan Smith","startTime":2810.199,"endTime":2814.0389999999998,"body":"would go on to all the player"},{"speaker":"Alan Smith","startTime":2814.069,"endTime":2816.8889999999997,"body":"away matches and players which"},{"speaker":"Alan Smith","startTime":2814.069,"endTime":2816.8889999999997,"body":"share rooms at the time. Yeah,"},{"speaker":"Alan Smith","startTime":2816.919,"endTime":2818.989,"body":"so you would get some players"},{"speaker":"Alan Smith","startTime":2816.919,"endTime":2818.989,"body":"that would you know, some are"},{"speaker":"Alan Smith","startTime":2818.989,"endTime":2822.109,"body":"sort of early birds up at the"},{"speaker":"Alan Smith","startTime":2818.989,"endTime":2822.109,"body":"crack of dawn, and some stay up"},{"speaker":"Alan Smith","startTime":2822.109,"endTime":2826.0989999999997,"body":"late at night. So that your"},{"speaker":"Alan Smith","startTime":2822.109,"endTime":2826.0989999999997,"body":"sleep was disturbed. And they"},{"speaker":"Alan Smith","startTime":2826.0989999999997,"endTime":2828.6189999999997,"body":"thought well, aren't we are we"},{"speaker":"Alan Smith","startTime":2826.0989999999997,"endTime":2828.6189999999997,"body":"supposed to be a world class"},{"speaker":"Alan Smith","startTime":2828.6189999999997,"endTime":2831.259,"body":"elite sports team can't we have"},{"speaker":"Alan Smith","startTime":2828.6189999999997,"endTime":2831.259,"body":"is the budget not big enough"},{"speaker":"Alan Smith","startTime":2831.259,"endTime":2833.989,"body":"that everyone can have their own"},{"speaker":"Alan Smith","startTime":2831.259,"endTime":2833.989,"body":"bedrooms for goodness sake. So"},{"speaker":"Alan Smith","startTime":2833.989,"endTime":2837.949,"body":"that was one thing. They also"},{"speaker":"Alan Smith","startTime":2833.989,"endTime":2837.949,"body":"had the studied a lot of the"},{"speaker":"Alan Smith","startTime":2837.979,"endTime":2840.8289999999997,"body":"results and they noticed that"},{"speaker":"Alan Smith","startTime":2837.979,"endTime":2840.8289999999997,"body":"England often England rugby team"},{"speaker":"Alan Smith","startTime":2840.8289999999997,"endTime":2844.3089999999997,"body":"at the time often started the"},{"speaker":"Alan Smith","startTime":2840.8289999999997,"endTime":2844.3089999999997,"body":"match really well. They'd be up"},{"speaker":"Alan Smith","startTime":2844.3089999999997,"endTime":2848.029,"body":"at halftime. And then they go"},{"speaker":"Alan Smith","startTime":2844.3089999999997,"endTime":2848.029,"body":"trudging out the second half,"},{"speaker":"Alan Smith","startTime":2848.029,"endTime":2851.8689999999997,"body":"they often lose matches in the"},{"speaker":"Alan Smith","startTime":2848.029,"endTime":2851.8689999999997,"body":"second half. And so just a small"},{"speaker":"Alan Smith","startTime":2851.8689999999997,"endTime":2855.769,"body":"psychological change was the It"},{"speaker":"Alan Smith","startTime":2851.8689999999997,"endTime":2855.769,"body":"seems strange nowadays, but they"},{"speaker":"Alan Smith","startTime":2855.769,"endTime":2858.799,"body":"just they change strips at half"},{"speaker":"Alan Smith","startTime":2855.769,"endTime":2858.799,"body":"time. Instead of going back out"},{"speaker":"Alan Smith","startTime":2858.799,"endTime":2863.1189999999997,"body":"with your muddy rugby shirt on."},{"speaker":"Alan Smith","startTime":2858.799,"endTime":2863.1189999999997,"body":"You've got a brand new kit and"},{"speaker":"Alan Smith","startTime":2863.1189999999997,"endTime":2865.009,"body":"you so you're mentally"},{"speaker":"Alan Smith","startTime":2863.1189999999997,"endTime":2865.009,"body":"convincing yourself you were"},{"speaker":"Alan Smith","startTime":2865.009,"endTime":2867.439,"body":"starting to match you were"},{"speaker":"Alan Smith","startTime":2865.009,"endTime":2867.439,"body":"you're playing two games today"},{"speaker":"Alan Smith","startTime":2867.499,"endTime":2869.8689999999997,"body":"starting to match all over"},{"speaker":"Alan Smith","startTime":2867.499,"endTime":2869.8689999999997,"body":"again, as just a result of doing"},{"speaker":"Alan Smith","startTime":2869.8689999999997,"endTime":2872.839,"body":"that they'll win ratio went up,"},{"speaker":"Alan Smith","startTime":2869.8689999999997,"endTime":2872.839,"body":"they were losing less games in"},{"speaker":"Alan Smith","startTime":2872.839,"endTime":2875.3889999999997,"body":"the second half. And the last"},{"speaker":"Alan Smith","startTime":2872.839,"endTime":2875.3889999999997,"body":"one that I'll say there was"},{"speaker":"Alan Smith","startTime":2875.3889999999997,"endTime":2878.719,"body":"dozens of these things. The last"},{"speaker":"Alan Smith","startTime":2875.3889999999997,"endTime":2878.719,"body":"one, you guys are old enough to"},{"speaker":"Alan Smith","startTime":2878.719,"endTime":2882.3489999999997,"body":"remember the old is going to"},{"speaker":"Alan Smith","startTime":2878.719,"endTime":2882.3489999999997,"body":"cotton rugby jerseys that were"},{"speaker":"Alan Smith","startTime":2882.3489999999997,"endTime":2885.3489999999997,"body":"just you know the kind of get"},{"speaker":"Alan Smith","startTime":2882.3489999999997,"endTime":2885.3489999999997,"body":"wet. So they get covered in the"},{"speaker":"Alan Smith","startTime":2885.3489999999997,"endTime":2888.319,"body":"struggle behind cotton traders."},{"speaker":"Alan Smith","startTime":2885.3489999999997,"endTime":2888.319,"body":"Yeah, cotton trees, but they"},{"speaker":"Alan Smith","startTime":2888.319,"endTime":2892.429,"body":"were made. And so the looser"},{"speaker":"Alan Smith","startTime":2888.319,"endTime":2892.429,"body":"they studied videos of these and"},{"speaker":"Alan Smith","startTime":2892.909,"endTime":2895.0989999999997,"body":"players we're getting there,"},{"speaker":"Alan Smith","startTime":2892.909,"endTime":2895.0989999999997,"body":"we're sort of running away. But"},{"speaker":"Alan Smith","startTime":2895.0989999999997,"endTime":2899.269,"body":"then we get caught someone we"},{"speaker":"Alan Smith","startTime":2895.0989999999997,"endTime":2899.269,"body":"grab this long, trailing piece"},{"speaker":"Alan Smith","startTime":2899.269,"endTime":2902.749,"body":"of cotton cloth instead of pull"},{"speaker":"Alan Smith","startTime":2899.269,"endTime":2902.749,"body":"them down and they'd be tackled."},{"speaker":"Alan Smith","startTime":2903.1389999999997,"endTime":2906.199,"body":"And so you know, Woodward did, I"},{"speaker":"Alan Smith","startTime":2903.1389999999997,"endTime":2906.199,"body":"can't remember it was it Nike or"},{"speaker":"Alan Smith","startTime":2906.199,"endTime":2909.469,"body":"Adidas or one of those is that"},{"speaker":"Alan Smith","startTime":2906.199,"endTime":2909.469,"body":"those were the early days of"},{"speaker":"Alan Smith","startTime":2909.469,"endTime":2912.499,"body":"what became sort of that sort of"},{"speaker":"Alan Smith","startTime":2909.469,"endTime":2912.499,"body":"shock skin type material, really"},{"speaker":"Alan Smith","startTime":2912.499,"endTime":2915.229,"body":"shiny, smooth material that"},{"speaker":"Alan Smith","startTime":2912.499,"endTime":2915.229,"body":"rugby players and they were to"},{"speaker":"Alan Smith","startTime":2915.229,"endTime":2918.679,"body":"do this day. So again, small"},{"speaker":"Alan Smith","startTime":2915.229,"endTime":2918.679,"body":"thing, but if you add and as I"},{"speaker":"Alan Smith","startTime":2918.679,"endTime":2920.8689999999997,"body":"say there was lots of them, add"},{"speaker":"Alan Smith","startTime":2918.679,"endTime":2920.8689999999997,"body":"all those sort of small things"},{"speaker":"Alan Smith","startTime":2920.8689999999997,"endTime":2925.129,"body":"together. Compounded you tend to"},{"speaker":"Alan Smith","startTime":2920.8689999999997,"endTime":2925.129,"body":"use because, as we know most at"},{"speaker":"Alan Smith","startTime":2925.129,"endTime":2927.409,"body":"elite sport, there's often a few"},{"speaker":"Alan Smith","startTime":2925.129,"endTime":2927.409,"body":"points between winning and"},{"speaker":"Alan Smith","startTime":2927.409,"endTime":2931.549,"body":"losing. So the compound compound"},{"speaker":"Alan Smith","startTime":2927.409,"endTime":2931.549,"body":"effects of that. And then, of"},{"speaker":"Alan Smith","startTime":2931.549,"endTime":2935.089,"body":"course, a few years later, some"},{"speaker":"Alan Smith","startTime":2931.549,"endTime":2935.089,"body":"years later, very famously, Dave"},{"speaker":"Alan Smith","startTime":2935.1189999999997,"endTime":2939.649,"body":"Brailsford, to a very very"},{"speaker":"Alan Smith","startTime":2935.1189999999997,"endTime":2939.649,"body":"underperforming GB cycling team."},{"speaker":"Alan Smith","startTime":2939.769,"endTime":2941.509,"body":"And this is all covered. Have"},{"speaker":"Alan Smith","startTime":2939.769,"endTime":2941.509,"body":"you ever read the book called"},{"speaker":"Alan Smith","startTime":2941.509,"endTime":2945.0789999999997,"body":"favorite atomic habits by James"},{"speaker":"Alan Smith","startTime":2941.509,"endTime":2945.0789999999997,"body":"clear is covered in that Great"},{"speaker":"Alan Smith","startTime":2945.0789999999997,"endTime":2949.219,"body":"Britain cycling team was"},{"speaker":"Alan Smith","startTime":2945.0789999999997,"endTime":2949.219,"body":"absolutely hopeless. By the 2012"},{"speaker":"Alan Smith","startTime":2949.249,"endTime":2953.299,"body":"London Olympics, they absolutely"},{"speaker":"Alan Smith","startTime":2949.249,"endTime":2953.299,"body":"dominated the sport. I think"},{"speaker":"Alan Smith","startTime":2953.299,"endTime":2957.379,"body":"they won 12 gold medals. Then as"},{"speaker":"Alan Smith","startTime":2953.299,"endTime":2957.379,"body":"a result of what he what he"},{"speaker":"Alan Smith","startTime":2957.379,"endTime":2961.069,"body":"called, it wasn't critical"},{"speaker":"Alan Smith","startTime":2957.379,"endTime":2961.069,"body":"nonessentials. It was marginal"},{"speaker":"Alan Smith","startTime":2961.069,"endTime":2965.149,"body":"gains. So marginal gains small"},{"speaker":"Alan Smith","startTime":2961.069,"endTime":2965.149,"body":"but effective. And that that's"},{"speaker":"Alan Smith","startTime":2965.149,"endTime":2970.0989999999997,"body":"all been very, very well"},{"speaker":"Alan Smith","startTime":2965.149,"endTime":2970.0989999999997,"body":"documented. So could we take"},{"speaker":"Alan Smith","startTime":2970.129,"endTime":2975.229,"body":"some of these ideas into our own"},{"speaker":"Alan Smith","startTime":2970.129,"endTime":2975.229,"body":"businesses? And can we improve"},{"speaker":"Alan Smith","startTime":2975.229,"endTime":2978.529,"body":"the client experience in order"},{"speaker":"Alan Smith","startTime":2975.229,"endTime":2978.529,"body":"to make the difference between"},{"speaker":"Alan Smith","startTime":2978.529,"endTime":2980.659,"body":"whether a client becomes a"},{"speaker":"Alan Smith","startTime":2978.529,"endTime":2980.659,"body":"client or not whether they stay"},{"speaker":"Alan Smith","startTime":2980.659,"endTime":2983.899,"body":"with you or not whether they"},{"speaker":"Alan Smith","startTime":2980.659,"endTime":2983.899,"body":"refer and recommend you, because"},{"speaker":"Alan Smith","startTime":2984.109,"endTime":2986.779,"body":"it seems to work in elite sport,"},{"speaker":"Alan Smith","startTime":2984.109,"endTime":2986.779,"body":"if you pay attention to the"},{"speaker":"Alan Smith","startTime":2986.779,"endTime":2990.5589999999997,"body":"small things, you know, some"},{"speaker":"Alan Smith","startTime":2986.779,"endTime":2990.5589999999997,"body":"bigger and better things happen."},{"speaker":"Alan Smith","startTime":2990.919,"endTime":2993.3489999999997,"body":"I'll pause for breath there,"},{"speaker":"Alan Smith","startTime":2990.919,"endTime":2993.3489999999997,"body":"we're happy to share some of the"},{"speaker":"Alan Smith","startTime":2993.379,"endTime":2995.839,"body":"some of the ideas that we"},{"speaker":"Alan Smith","startTime":2993.379,"endTime":2995.839,"body":"brought into our team has as a"},{"speaker":"Alan Smith","startTime":2995.839,"endTime":2998.629,"body":"result of reading that book live"},{"speaker":"Alan Smith","startTime":2995.839,"endTime":2998.629,"body":"Woodward book years ago, and"},{"speaker":"Alan Smith","startTime":2998.629,"endTime":3001.569,"body":"started to implement into our"},{"speaker":"Alan Smith","startTime":2998.629,"endTime":3001.569,"body":"financial planning practice. But"},{"speaker":"Alan Smith","startTime":3001.569,"endTime":3003.669,"body":"then I'll pause for breath and"},{"speaker":"Alan Smith","startTime":3001.569,"endTime":3003.669,"body":"invite anyone else to come and"},{"speaker":"Alan Smith","startTime":3003.699,"endTime":3005.8289999999997,"body":"share any thoughts you've got."},{"speaker":"Alan Smith","startTime":3003.699,"endTime":3005.8289999999997,"body":"Okay. Well,"},{"speaker":"Nick Lincoln","startTime":3005.83,"endTime":3007.3599999999997,"body":"Carl, thank you."},{"speaker":"Nick Lincoln","startTime":3005.83,"endTime":3007.3599999999997,"body":"Thank you for that. Alan. That"},{"speaker":"Nick Lincoln","startTime":3007.3599999999997,"endTime":3009.91,"body":"was very interesting, Carl,"},{"speaker":"Nick Lincoln","startTime":3007.3599999999997,"endTime":3009.91,"body":"maybe your thoughts on this. And"},{"speaker":"Nick Lincoln","startTime":3009.91,"endTime":3012.6099999999997,"body":"then we'll go back to Ireland to"},{"speaker":"Nick Lincoln","startTime":3009.91,"endTime":3012.6099999999997,"body":"give us some practical examples"},{"speaker":"Nick Lincoln","startTime":3012.6099999999997,"endTime":3014.7999999999997,"body":"in the Financial Services"},{"speaker":"Nick Lincoln","startTime":3012.6099999999997,"endTime":3014.7999999999997,"body":"application of these ideas."},{"speaker":"Carl Widger","startTime":3015.19,"endTime":3019.18,"body":"Yeah, look, great"},{"speaker":"Carl Widger","startTime":3015.19,"endTime":3019.18,"body":"story. And really well told"},{"speaker":"Carl Widger","startTime":3019.18,"endTime":3024.7,"body":"Alan, I went to the Riskalyze"},{"speaker":"Carl Widger","startTime":3019.18,"endTime":3024.7,"body":"conference over in the states a"},{"speaker":"Carl Widger","startTime":3024.7,"endTime":3029.2599999999998,"body":"couple of years ago. And if you"},{"speaker":"Carl Widger","startTime":3024.7,"endTime":3029.2599999999998,"body":"want to see, Andy, humans under"},{"speaker":"Carl Widger","startTime":3029.2599999999998,"endTime":3032.5299999999997,"body":"management is definitely the"},{"speaker":"Carl Widger","startTime":3029.2599999999998,"endTime":3032.5299999999997,"body":"best one in the UK. But to do"},{"speaker":"Carl Widger","startTime":3032.5299999999997,"endTime":3035.47,"body":"them differently over in the"},{"speaker":"Carl Widger","startTime":3032.5299999999997,"endTime":3035.47,"body":"States. And I would, after all,"},{"speaker":"Carl Widger","startTime":3035.47,"endTime":3039.0099999999998,"body":"this is a podcast for financial"},{"speaker":"Carl Widger","startTime":3035.47,"endTime":3039.0099999999998,"body":"advisors, do yourself a favor"},{"speaker":"Carl Widger","startTime":3039.0099999999998,"endTime":3041.08,"body":"and get to one of the really big"},{"speaker":"Carl Widger","startTime":3039.0099999999998,"endTime":3041.08,"body":"ones over in the States. They"},{"speaker":"Carl Widger","startTime":3041.08,"endTime":3044.65,"body":"are absolutely phenomenal. They"},{"speaker":"Carl Widger","startTime":3041.08,"endTime":3044.65,"body":"go on for a couple of days. And"},{"speaker":"Carl Widger","startTime":3044.68,"endTime":3047.8599999999997,"body":"there they kind of put put on"},{"speaker":"Carl Widger","startTime":3044.68,"endTime":3047.8599999999997,"body":"shows it's really, really,"},{"speaker":"Carl Widger","startTime":3047.8599999999997,"endTime":3051.04,"body":"really good. So that's the first"},{"speaker":"Carl Widger","startTime":3047.8599999999997,"endTime":3051.04,"body":"point at the Riskalyze"},{"speaker":"Carl Widger","startTime":3051.04,"endTime":3055.8399999999997,"body":"conference that I was at in"},{"speaker":"Carl Widger","startTime":3051.04,"endTime":3055.8399999999997,"body":"Boston, Horst should say, spoke"},{"speaker":"Carl Widger","startTime":3055.8399999999997,"endTime":3059.95,"body":"at it, and he was the founder of"},{"speaker":"Carl Widger","startTime":3055.8399999999997,"endTime":3059.95,"body":"the Ritz Carlton Hotel Group,"},{"speaker":"Carl Widger","startTime":3060.25,"endTime":3063.0099999999998,"body":"and he's a German guy, and he's"},{"speaker":"Carl Widger","startTime":3060.25,"endTime":3063.0099999999998,"body":"still got a really strong German"},{"speaker":"Carl Widger","startTime":3063.0099999999998,"endTime":3067.48,"body":"accent. And when he started off"},{"speaker":"Carl Widger","startTime":3063.0099999999998,"endTime":3067.48,"body":"his talk, I was like, not sure"},{"speaker":"Carl Widger","startTime":3067.48,"endTime":3072.3399999999997,"body":"how this one is gonna go. It was"},{"speaker":"Carl Widger","startTime":3067.48,"endTime":3072.3399999999997,"body":"phenomenal. He's a really"},{"speaker":"Carl Widger","startTime":3073.0,"endTime":3076.24,"body":"genuine guy, a guy who's you"},{"speaker":"Carl Widger","startTime":3073.0,"endTime":3076.24,"body":"know, I just love here. and"},{"speaker":"Carl Widger","startTime":3076.24,"endTime":3079.45,"body":"stories from people who have"},{"speaker":"Carl Widger","startTime":3076.24,"endTime":3079.45,"body":"been there done that, and the"},{"speaker":"Carl Widger","startTime":3079.45,"endTime":3082.45,"body":"Ritz Carlton after all are known"},{"speaker":"Carl Widger","startTime":3079.45,"endTime":3082.45,"body":"for and still are known for,"},{"speaker":"Carl Widger","startTime":3082.45,"endTime":3088.63,"body":"like the ultimate ultimate"},{"speaker":"Carl Widger","startTime":3082.45,"endTime":3088.63,"body":"service. So, you know, I think"},{"speaker":"Carl Widger","startTime":3088.69,"endTime":3092.41,"body":"the point here is that there are"},{"speaker":"Carl Widger","startTime":3088.69,"endTime":3092.41,"body":"things we should do, and you"},{"speaker":"Carl Widger","startTime":3092.41,"endTime":3095.98,"body":"should do them. Because after"},{"speaker":"Carl Widger","startTime":3092.41,"endTime":3095.98,"body":"all, you need your clients to"},{"speaker":"Carl Widger","startTime":3095.98,"endTime":3099.3399999999997,"body":"really, really value the"},{"speaker":"Carl Widger","startTime":3095.98,"endTime":3099.3399999999997,"body":"experience, however, go back to"},{"speaker":"Carl Widger","startTime":3099.3399999999997,"endTime":3102.19,"body":"a phrase that was mentioned"},{"speaker":"Carl Widger","startTime":3099.3399999999997,"endTime":3102.19,"body":"earlier on by one of you guys,"},{"speaker":"Carl Widger","startTime":3102.85,"endTime":3107.29,"body":"you need and want your clients"},{"speaker":"Carl Widger","startTime":3102.85,"endTime":3107.29,"body":"to know like and trust you. And,"},{"speaker":"Carl Widger","startTime":3107.35,"endTime":3110.8599999999997,"body":"and to get to know you and to"},{"speaker":"Carl Widger","startTime":3107.35,"endTime":3110.8599999999997,"body":"like you, you need to give them"},{"speaker":"Carl Widger","startTime":3110.8599999999997,"endTime":3113.65,"body":"a really good experience and"},{"speaker":"Carl Widger","startTime":3110.8599999999997,"endTime":3113.65,"body":"experience that has been thought"},{"speaker":"Carl Widger","startTime":3113.65,"endTime":3117.1,"body":"out and experienced that you've"},{"speaker":"Carl Widger","startTime":3113.65,"endTime":3117.1,"body":"put a bit of effort into, or a"},{"speaker":"Carl Widger","startTime":3117.1,"endTime":3120.5499999999997,"body":"lot of effort into. And to make"},{"speaker":"Carl Widger","startTime":3117.1,"endTime":3120.5499999999997,"body":"sure that you know, I remember"},{"speaker":"Carl Widger","startTime":3120.5499999999997,"endTime":3123.7,"body":"talking to a marketing guy, Tony"},{"speaker":"Carl Widger","startTime":3120.5499999999997,"endTime":3123.7,"body":"Frawley, who helped us to design"},{"speaker":"Carl Widger","startTime":3123.7,"endTime":3127.42,"body":"the very first Metis logo. And"},{"speaker":"Carl Widger","startTime":3123.7,"endTime":3127.42,"body":"he was like, you gotta take"},{"speaker":"Carl Widger","startTime":3127.42,"endTime":3130.33,"body":"your, you know, when your client"},{"speaker":"Carl Widger","startTime":3127.42,"endTime":3130.33,"body":"is coming to see you. Where is"},{"speaker":"Carl Widger","startTime":3130.33,"endTime":3133.9,"body":"he gonna park? Now let's walk"},{"speaker":"Carl Widger","startTime":3130.33,"endTime":3133.9,"body":"the journey, he made me walk the"},{"speaker":"Carl Widger","startTime":3133.9,"endTime":3136.81,"body":"journey, right, and here's where"},{"speaker":"Carl Widger","startTime":3133.9,"endTime":3136.81,"body":"he's gonna go. And our whole"},{"speaker":"Carl Widger","startTime":3136.81,"endTime":3139.69,"body":"thing here in this office is"},{"speaker":"Carl Widger","startTime":3136.81,"endTime":3139.69,"body":"every part of our office looks"},{"speaker":"Carl Widger","startTime":3139.69,"endTime":3143.29,"body":"like this room, right? We have"},{"speaker":"Carl Widger","startTime":3139.69,"endTime":3143.29,"body":"white class tables, or else you"},{"speaker":"Carl Widger","startTime":3143.29,"endTime":3146.5,"body":"know, just just white boardroom"},{"speaker":"Carl Widger","startTime":3143.29,"endTime":3146.5,"body":"tables. It is what do we not"},{"speaker":"Carl Widger","startTime":3146.5,"endTime":3150.31,"body":"want it to be, it can't ever"},{"speaker":"Carl Widger","startTime":3146.5,"endTime":3150.31,"body":"look like a private bank. So"},{"speaker":"Carl Widger","startTime":3150.31,"endTime":3153.46,"body":"we've no mahogany tables,"},{"speaker":"Carl Widger","startTime":3150.31,"endTime":3153.46,"body":"nothing is dark, it's all bright"},{"speaker":"Carl Widger","startTime":3153.46,"endTime":3158.23,"body":"colors, we're trying to, you"},{"speaker":"Carl Widger","startTime":3153.46,"endTime":3158.23,"body":"know, get across that whole feel"},{"speaker":"Carl Widger","startTime":3158.23,"endTime":3160.99,"body":"of nice and relaxed, but at the"},{"speaker":"Carl Widger","startTime":3158.23,"endTime":3160.99,"body":"same time really, really"},{"speaker":"Carl Widger","startTime":3160.99,"endTime":3163.96,"body":"professional. And we've talked"},{"speaker":"Carl Widger","startTime":3160.99,"endTime":3163.96,"body":"through Exactly. You know what"},{"speaker":"Carl Widger","startTime":3163.96,"endTime":3167.29,"body":"happens when someone you know,"},{"speaker":"Carl Widger","startTime":3163.96,"endTime":3167.29,"body":"to give them parking just before"},{"speaker":"Carl Widger","startTime":3167.29,"endTime":3171.13,"body":"they arrive in? You know, what"},{"speaker":"Carl Widger","startTime":3167.29,"endTime":3171.13,"body":"happens when they when they come"},{"speaker":"Carl Widger","startTime":3171.13,"endTime":3174.97,"body":"in? Who who's going to be in the"},{"speaker":"Carl Widger","startTime":3171.13,"endTime":3174.97,"body":"room to meet them? And then who"},{"speaker":"Carl Widger","startTime":3174.97,"endTime":3178.63,"body":"comes into the room, how they"},{"speaker":"Carl Widger","startTime":3174.97,"endTime":3178.63,"body":"get their coffee, and I copied"},{"speaker":"Carl Widger","startTime":3178.63,"endTime":3182.29,"body":"some stuff from Alan and Alan"},{"speaker":"Carl Widger","startTime":3178.63,"endTime":3182.29,"body":"sending out his coffees when I"},{"speaker":"Carl Widger","startTime":3182.29,"endTime":3185.5,"body":"was in capital was absolutely"},{"speaker":"Carl Widger","startTime":3182.29,"endTime":3185.5,"body":"amazing. With the Capitol logo."},{"speaker":"Carl Widger","startTime":3186.19,"endTime":3189.73,"body":"We still haven't done that"},{"speaker":"Carl Widger","startTime":3186.19,"endTime":3189.73,"body":"Ireland, right? I'm not sure if"},{"speaker":"Carl Widger","startTime":3189.73,"endTime":3190.21,"body":"that would"},{"speaker":"Alan Smith","startTime":3190.24,"endTime":3191.98,"body":"just you haven't"},{"speaker":"Alan Smith","startTime":3190.24,"endTime":3191.98,"body":"copied everything."},{"speaker":"Andy Hart","startTime":3192.16,"endTime":3194.1099999999997,"body":"I know it was one of"},{"speaker":"Andy Hart","startTime":3192.16,"endTime":3194.1099999999997,"body":"the only ideas you've not"},{"speaker":"Andy Hart","startTime":3194.1099999999997,"endTime":3196.06,"body":"stolen. That's one of the better"},{"speaker":"Andy Hart","startTime":3194.1099999999997,"endTime":3196.06,"body":"ones."},{"speaker":"Carl Widger","startTime":3196.87,"endTime":3201.7,"body":"Yeah, no, no, all"},{"speaker":"Carl Widger","startTime":3196.87,"endTime":3201.7,"body":"all. This is the point just you"},{"speaker":"Carl Widger","startTime":3201.7,"endTime":3205.93,"body":"guys won't admit to it. Right?"},{"speaker":"Carl Widger","startTime":3201.7,"endTime":3205.93,"body":"We are not trying to reinvent"},{"speaker":"Carl Widger","startTime":3205.93,"endTime":3211.06,"body":"the wheel. None of us on this"},{"speaker":"Carl Widger","startTime":3205.93,"endTime":3211.06,"body":"podcast, have come up with any"},{"speaker":"Carl Widger","startTime":3211.06,"endTime":3215.41,"body":"original ideas. We've just seen"},{"speaker":"Carl Widger","startTime":3211.06,"endTime":3215.41,"body":"some stuff that has worked"},{"speaker":"Carl Widger","startTime":3215.44,"endTime":3218.65,"body":"really, really well. And we're"},{"speaker":"Carl Widger","startTime":3215.44,"endTime":3218.65,"body":"just we're just putting our own"},{"speaker":"Carl Widger","startTime":3218.65,"endTime":3222.0699999999997,"body":"twist on it. And we have so"},{"speaker":"Carl Widger","startTime":3218.65,"endTime":3222.0699999999997,"body":"like, if you come if you tell me"},{"speaker":"Carl Widger","startTime":3222.0699999999997,"endTime":3225.52,"body":"that oh, well, I thought this"},{"speaker":"Carl Widger","startTime":3222.0699999999997,"endTime":3225.52,"body":"idea you did. Because I can"},{"speaker":"Carl Widger","startTime":3225.52,"endTime":3228.5499999999997,"body":"guarantee I find someone who"},{"speaker":"Carl Widger","startTime":3225.52,"endTime":3228.5499999999997,"body":"came up with the idea first,"},{"speaker":"Carl Widger","startTime":3228.5499999999997,"endTime":3231.8199999999997,"body":"right? Who's done it already?"},{"speaker":"Carl Widger","startTime":3228.5499999999997,"endTime":3231.8199999999997,"body":"We're just can you put them into"},{"speaker":"Carl Widger","startTime":3231.8199999999997,"endTime":3237.19,"body":"a complete package? And make it"},{"speaker":"Carl Widger","startTime":3231.8199999999997,"endTime":3237.19,"body":"you know, something? That's a"},{"speaker":"Carl Widger","startTime":3237.19,"endTime":3240.58,"body":"really great experience. And,"},{"speaker":"Carl Widger","startTime":3237.19,"endTime":3240.58,"body":"look, there's lots of things"},{"speaker":"Carl Widger","startTime":3240.58,"endTime":3243.37,"body":"that and I'm very interested to"},{"speaker":"Carl Widger","startTime":3240.58,"endTime":3243.37,"body":"hear Ireland's right, because"},{"speaker":"Carl Widger","startTime":3243.37,"endTime":3246.37,"body":"he's obviously put some thought"},{"speaker":"Carl Widger","startTime":3243.37,"endTime":3246.37,"body":"into this, right. But I saw a"},{"speaker":"Carl Widger","startTime":3246.37,"endTime":3251.41,"body":"post from Stephanie bulgan on"},{"speaker":"Carl Widger","startTime":3246.37,"endTime":3251.41,"body":"LinkedIn only last week, and it"},{"speaker":"Carl Widger","startTime":3251.41,"endTime":3254.38,"body":"was relevant to this right? And"},{"speaker":"Carl Widger","startTime":3251.41,"endTime":3254.38,"body":"it was like, how can you make"},{"speaker":"Carl Widger","startTime":3254.38,"endTime":3258.0099999999998,"body":"your client meetings, like a"},{"speaker":"Carl Widger","startTime":3254.38,"endTime":3258.0099999999998,"body":"Michelin star experience? And"},{"speaker":"Carl Widger","startTime":3258.04,"endTime":3260.89,"body":"I'll put the link in the in the"},{"speaker":"Carl Widger","startTime":3258.04,"endTime":3260.89,"body":"show notes for that as well. And"},{"speaker":"Carl Widger","startTime":3260.89,"endTime":3264.58,"body":"that's what you're after? And"},{"speaker":"Carl Widger","startTime":3260.89,"endTime":3264.58,"body":"it's like every touchpoint How"},{"speaker":"Carl Widger","startTime":3264.58,"endTime":3270.16,"body":"can you make it, you know, 567"},{"speaker":"Carl Widger","startTime":3264.58,"endTime":3270.16,"body":"star experience. And that's what"},{"speaker":"Carl Widger","startTime":3270.16,"endTime":3272.5899999999997,"body":"you should always be trying to"},{"speaker":"Carl Widger","startTime":3270.16,"endTime":3272.5899999999997,"body":"do. And you know, I'm always"},{"speaker":"Carl Widger","startTime":3272.5899999999997,"endTime":3275.08,"body":"challenging the guys here, how"},{"speaker":"Carl Widger","startTime":3272.5899999999997,"endTime":3275.08,"body":"can we make it better? How can"},{"speaker":"Carl Widger","startTime":3275.08,"endTime":3277.75,"body":"we make it better? And when you"},{"speaker":"Carl Widger","startTime":3275.08,"endTime":3277.75,"body":"think you have a nailed, then"},{"speaker":"Carl Widger","startTime":3277.75,"endTime":3281.5299999999997,"body":"it's you know, let's go and look"},{"speaker":"Carl Widger","startTime":3277.75,"endTime":3281.5299999999997,"body":"for other ideas. So I'll bring"},{"speaker":"Carl Widger","startTime":3281.5299999999997,"endTime":3283.33,"body":"in somebody else. And I'd pause"},{"speaker":"Carl Widger","startTime":3281.5299999999997,"endTime":3283.33,"body":"for breath now."},{"speaker":"Andy Hart","startTime":3283.66,"endTime":3285.8199999999997,"body":"Yeah, some great"},{"speaker":"Andy Hart","startTime":3283.66,"endTime":3285.8199999999997,"body":"points already. Some great"},{"speaker":"Andy Hart","startTime":3285.8199999999997,"endTime":3288.5499999999997,"body":"points already. Yeah, we sell"},{"speaker":"Andy Hart","startTime":3285.8199999999997,"endTime":3288.5499999999997,"body":"the invisible, so we've got to"},{"speaker":"Andy Hart","startTime":3288.5499999999997,"endTime":3291.94,"body":"bring it to life as best we can."},{"speaker":"Andy Hart","startTime":3288.5499999999997,"endTime":3291.94,"body":"A couple of points that I've"},{"speaker":"Andy Hart","startTime":3291.94,"endTime":3295.69,"body":"done. You know, I'm one of my"},{"speaker":"Andy Hart","startTime":3291.94,"endTime":3295.69,"body":"sort of key points on my website"},{"speaker":"Andy Hart","startTime":3295.69,"endTime":3300.67,"body":"is ruthlessly client focused."},{"speaker":"Andy Hart","startTime":3295.69,"endTime":3300.67,"body":"And everything I do should be"},{"speaker":"Andy Hart","startTime":3300.67,"endTime":3303.13,"body":"really from the clients point of"},{"speaker":"Andy Hart","startTime":3300.67,"endTime":3303.13,"body":"view. But it's quite hard to"},{"speaker":"Andy Hart","startTime":3303.13,"endTime":3305.41,"body":"straddle that being in a"},{"speaker":"Andy Hart","startTime":3303.13,"endTime":3305.41,"body":"regulated world and the stuff we"},{"speaker":"Andy Hart","startTime":3305.41,"endTime":3307.54,"body":"deal with is incredibly boring."},{"speaker":"Andy Hart","startTime":3305.41,"endTime":3307.54,"body":"And we do need to get them to"},{"speaker":"Andy Hart","startTime":3307.9,"endTime":3310.9,"body":"fill in some forms every so"},{"speaker":"Andy Hart","startTime":3307.9,"endTime":3310.9,"body":"often. So I try and keep the"},{"speaker":"Andy Hart","startTime":3310.93,"endTime":3315.31,"body":"hassle factor for them down to a"},{"speaker":"Andy Hart","startTime":3310.93,"endTime":3315.31,"body":"minimum. So for example, my if I"},{"speaker":"Andy Hart","startTime":3315.31,"endTime":3318.7599999999998,"body":"book a meeting with you and"},{"speaker":"Andy Hart","startTime":3315.31,"endTime":3318.7599999999998,"body":"you're coming to see me I've got"},{"speaker":"Andy Hart","startTime":3318.7599999999998,"endTime":3321.13,"body":"a meeting place in central"},{"speaker":"Andy Hart","startTime":3318.7599999999998,"endTime":3321.13,"body":"London a meeting place in the"},{"speaker":"Andy Hart","startTime":3321.13,"endTime":3323.62,"body":"burbs, I send you a link, it's"},{"speaker":"Andy Hart","startTime":3321.13,"endTime":3323.62,"body":"got everything on there, the sat"},{"speaker":"Andy Hart","startTime":3323.62,"endTime":3327.5499999999997,"body":"nav that that you need. I've got"},{"speaker":"Andy Hart","startTime":3323.62,"endTime":3327.5499999999997,"body":"a 45 second video that when you"},{"speaker":"Andy Hart","startTime":3327.5499999999997,"endTime":3329.7999999999997,"body":"arrive, it shows you how to get"},{"speaker":"Andy Hart","startTime":3327.5499999999997,"endTime":3329.7999999999997,"body":"the front door and what buttons"},{"speaker":"Andy Hart","startTime":3329.7999999999997,"endTime":3333.73,"body":"to push. You know, that's a"},{"speaker":"Andy Hart","startTime":3329.7999999999997,"endTime":3333.73,"body":"video that took me sort of five"},{"speaker":"Andy Hart","startTime":3333.73,"endTime":3336.4,"body":"minutes to film and two minutes"},{"speaker":"Andy Hart","startTime":3333.73,"endTime":3336.4,"body":"to edit. And then that's sort of"},{"speaker":"Andy Hart","startTime":3336.4,"endTime":3341.35,"body":"there forever. On my clients big"},{"speaker":"Andy Hart","startTime":3336.4,"endTime":3341.35,"body":"birthdays. So zeros and fives,"},{"speaker":"Andy Hart","startTime":3341.35,"endTime":3345.31,"body":"I've got a spreadsheet. So when"},{"speaker":"Andy Hart","startTime":3341.35,"endTime":3345.31,"body":"they're 60, or 55, or 75,"},{"speaker":"Andy Hart","startTime":3345.67,"endTime":3347.7999999999997,"body":"they'll get a copy of the time"},{"speaker":"Andy Hart","startTime":3345.67,"endTime":3347.7999999999997,"body":"from the date that they were"},{"speaker":"Andy Hart","startTime":3347.7999999999997,"endTime":3351.25,"body":"born from historical"},{"speaker":"Andy Hart","startTime":3347.7999999999997,"endTime":3351.25,"body":"newspapers.com. And that's"},{"speaker":"Andy Hart","startTime":3351.25,"endTime":3354.04,"body":"something that I'm a big fan of"},{"speaker":"Andy Hart","startTime":3351.25,"endTime":3354.04,"body":"if they've been a client of mine"},{"speaker":"Andy Hart","startTime":3354.04,"endTime":3356.1099999999997,"body":"and they've gone through too big"},{"speaker":"Andy Hart","startTime":3354.04,"endTime":3356.1099999999997,"body":"birthdays and they get sort of a"},{"speaker":"Andy Hart","startTime":3356.1099999999997,"endTime":3361.27,"body":"Fortnum and Mason's basket. I"},{"speaker":"Andy Hart","startTime":3356.1099999999997,"endTime":3361.27,"body":"try and do as many links to the"},{"speaker":"Andy Hart","startTime":3361.27,"endTime":3364.63,"body":"stuff that we repeat all the"},{"speaker":"Andy Hart","startTime":3361.27,"endTime":3364.63,"body":"time. So I've got a link to my"},{"speaker":"Andy Hart","startTime":3364.96,"endTime":3367.93,"body":"sort of investment options. I've"},{"speaker":"Andy Hart","startTime":3364.96,"endTime":3367.93,"body":"got linked to the joining"},{"speaker":"Andy Hart","startTime":3367.93,"endTime":3370.3599999999997,"body":"process. I've got a link for"},{"speaker":"Andy Hart","startTime":3367.93,"endTime":3370.3599999999997,"body":"what the annual planning meeting"},{"speaker":"Andy Hart","startTime":3370.3599999999997,"endTime":3373.5699999999997,"body":"looks like. A hidden links on"},{"speaker":"Andy Hart","startTime":3370.3599999999997,"endTime":3373.5699999999997,"body":"the website. There's obviously"},{"speaker":"Andy Hart","startTime":3373.6,"endTime":3376.5699999999997,"body":"scrollable and browsable on any"},{"speaker":"Andy Hart","startTime":3373.6,"endTime":3376.5699999999997,"body":"sort of browser that they Use?"},{"speaker":"Andy Hart","startTime":3377.62,"endTime":3379.75,"body":"Yeah, cuz it's just stuff that"},{"speaker":"Andy Hart","startTime":3377.62,"endTime":3379.75,"body":"we repeat all the time. I've"},{"speaker":"Andy Hart","startTime":3379.75,"endTime":3382.12,"body":"spoken before that I'm available"},{"speaker":"Andy Hart","startTime":3379.75,"endTime":3382.12,"body":"on WhatsApp. And if it's a"},{"speaker":"Andy Hart","startTime":3382.12,"endTime":3384.88,"body":"couple, we've got a group"},{"speaker":"Andy Hart","startTime":3382.12,"endTime":3384.88,"body":"together, I just want low"},{"speaker":"Andy Hart","startTime":3384.88,"endTime":3387.37,"body":"friction for them to contact me."},{"speaker":"Andy Hart","startTime":3384.88,"endTime":3387.37,"body":"And then the moment they contact"},{"speaker":"Andy Hart","startTime":3387.37,"endTime":3391.63,"body":"me, I'm obviously totally on top"},{"speaker":"Andy Hart","startTime":3387.37,"endTime":3391.63,"body":"of it. So yeah, I've given a"},{"speaker":"Andy Hart","startTime":3391.63,"endTime":3394.7799999999997,"body":"couple of ideas got a few more,"},{"speaker":"Andy Hart","startTime":3391.63,"endTime":3394.7799999999997,"body":"but back to Alan to share your"},{"speaker":"Andy Hart","startTime":3394.7799999999997,"endTime":3395.3199999999997,"body":"list mate."},{"speaker":"Alan Smith","startTime":3398.92,"endTime":3401.44,"body":"You've covered quite"},{"speaker":"Alan Smith","startTime":3398.92,"endTime":3401.44,"body":"a few good ones did you copy"},{"speaker":"Alan Smith","startTime":3401.44,"endTime":3403.0899999999997,"body":"most of them from me Can't"},{"speaker":"Alan Smith","startTime":3401.44,"endTime":3403.0899999999997,"body":"remember."},{"speaker":"Andy Hart","startTime":3404.23,"endTime":3406.21,"body":"As if you're, if"},{"speaker":"Andy Hart","startTime":3404.23,"endTime":3406.21,"body":"you're gonna film a video"},{"speaker":"Andy Hart","startTime":3406.21,"endTime":3408.94,"body":"outside your office and hit a"},{"speaker":"Andy Hart","startTime":3406.21,"endTime":3408.94,"body":"buzzer, and then go inside. I've"},{"speaker":"Andy Hart","startTime":3408.94,"endTime":3410.3199999999997,"body":"done it in Atlanta,"},{"speaker":"Alan Smith","startTime":3410.769,"endTime":3414.609,"body":"done it a long time"},{"speaker":"Alan Smith","startTime":3410.769,"endTime":3414.609,"body":"ago. Bullshit, I'd say. But we"},{"speaker":"Alan Smith","startTime":3414.609,"endTime":3420.5789999999997,"body":"had the luxury when we moved to"},{"speaker":"Alan Smith","startTime":3414.609,"endTime":3420.5789999999997,"body":"our current office a few years"},{"speaker":"Alan Smith","startTime":3420.5789999999997,"endTime":3422.6189999999997,"body":"ago, it was literally an empty"},{"speaker":"Alan Smith","startTime":3420.5789999999997,"endTime":3422.6189999999997,"body":"shell. So you could you could"},{"speaker":"Alan Smith","startTime":3422.6189999999997,"endTime":3425.319,"body":"design you could you know, your"},{"speaker":"Alan Smith","startTime":3422.6189999999997,"endTime":3425.319,"body":"higher office layout design"},{"speaker":"Alan Smith","startTime":3425.319,"endTime":3431.049,"body":"people. And so what we did at"},{"speaker":"Alan Smith","startTime":3425.319,"endTime":3431.049,"body":"the time was was try to reflect"},{"speaker":"Alan Smith","startTime":3431.049,"endTime":3434.919,"body":"the client journey, as we call"},{"speaker":"Alan Smith","startTime":3431.049,"endTime":3434.919,"body":"it. So we have our we have a"},{"speaker":"Alan Smith","startTime":3434.919,"endTime":3437.739,"body":"room, which is called the"},{"speaker":"Alan Smith","startTime":3434.919,"endTime":3437.739,"body":"lounge, and it's very"},{"speaker":"Alan Smith","startTime":3437.739,"endTime":3441.7889999999998,"body":"specifically designed. It's all"},{"speaker":"Alan Smith","startTime":3437.739,"endTime":3441.7889999999998,"body":"kind of soft furnishings. low"},{"speaker":"Alan Smith","startTime":3441.7889999999998,"endTime":3444.5789999999997,"body":"lighting is designed in my mind"},{"speaker":"Alan Smith","startTime":3441.7889999999998,"endTime":3444.5789999999997,"body":"anyway as the going up market"},{"speaker":"Alan Smith","startTime":3444.5789999999997,"endTime":3449.319,"body":"coffee shop. So it should be a"},{"speaker":"Alan Smith","startTime":3444.5789999999997,"endTime":3449.319,"body":"sort of boutique hotel style. So"},{"speaker":"Alan Smith","startTime":3449.3489999999997,"endTime":3453.519,"body":"no screens. No, it's not doesn't"},{"speaker":"Alan Smith","startTime":3449.3489999999997,"endTime":3453.519,"body":"look like a business office. And"},{"speaker":"Alan Smith","startTime":3453.519,"endTime":3456.969,"body":"that is designed to be for those"},{"speaker":"Alan Smith","startTime":3453.519,"endTime":3456.969,"body":"initial informal discovery"},{"speaker":"Alan Smith","startTime":3456.969,"endTime":3459.009,"body":"meeting conversations, tell us"},{"speaker":"Alan Smith","startTime":3456.969,"endTime":3459.009,"body":"about your life. Tell us about"},{"speaker":"Alan Smith","startTime":3459.009,"endTime":3462.5789999999997,"body":"your background. So we everyone"},{"speaker":"Alan Smith","startTime":3459.009,"endTime":3462.5789999999997,"body":"can relax during that. And then"},{"speaker":"Alan Smith","startTime":3462.5789999999997,"endTime":3465.999,"body":"we go for the next part of our"},{"speaker":"Alan Smith","startTime":3462.5789999999997,"endTime":3465.999,"body":"our sort of client onboarding"},{"speaker":"Alan Smith","startTime":3466.3289999999997,"endTime":3468.999,"body":"process, we go to a different"},{"speaker":"Alan Smith","startTime":3466.3289999999997,"endTime":3468.999,"body":"room, and people can now of"},{"speaker":"Alan Smith","startTime":3468.999,"endTime":3471.429,"body":"course, COVID, blue, all that up"},{"speaker":"Alan Smith","startTime":3468.999,"endTime":3471.429,"body":"the water, and we kind of"},{"speaker":"Alan Smith","startTime":3471.429,"endTime":3474.129,"body":"everyone went on to zoom. And a"},{"speaker":"Alan Smith","startTime":3471.429,"endTime":3474.129,"body":"lot of our meetings are still on"},{"speaker":"Alan Smith","startTime":3474.129,"endTime":3478.209,"body":"Zoom. But increasingly, we're"},{"speaker":"Alan Smith","startTime":3474.129,"endTime":3478.209,"body":"coming back. And I think the"},{"speaker":"Alan Smith","startTime":3478.209,"endTime":3481.3289999999997,"body":"importance of controlling your"},{"speaker":"Alan Smith","startTime":3478.209,"endTime":3481.3289999999997,"body":"environment, I think that is is"},{"speaker":"Alan Smith","startTime":3481.3289999999997,"endTime":3485.259,"body":"really valuable to us. In my"},{"speaker":"Alan Smith","startTime":3481.3289999999997,"endTime":3485.259,"body":"mind, why wouldn't you do these"},{"speaker":"Alan Smith","startTime":3485.259,"endTime":3487.239,"body":"things, because once you put a"},{"speaker":"Alan Smith","startTime":3485.259,"endTime":3487.239,"body":"lot of bit of effort into it,"},{"speaker":"Alan Smith","startTime":3487.239,"endTime":3490.1189999999997,"body":"you can rinse and repeat every"},{"speaker":"Alan Smith","startTime":3487.239,"endTime":3490.1189999999997,"body":"time. So it's worth spending a"},{"speaker":"Alan Smith","startTime":3490.1189999999997,"endTime":3492.939,"body":"day, a week, a month and say,"},{"speaker":"Alan Smith","startTime":3490.1189999999997,"endTime":3492.939,"body":"what else could we could we do?"},{"speaker":"Alan Smith","startTime":3493.779,"endTime":3496.629,"body":"You're right, we invested years"},{"speaker":"Alan Smith","startTime":3493.779,"endTime":3496.629,"body":"ago we invest because I remember"},{"speaker":"Alan Smith","startTime":3496.629,"endTime":3499.929,"body":"going to offices and my broker"},{"speaker":"Alan Smith","startTime":3496.629,"endTime":3499.929,"body":"consultant days and you get some"},{"speaker":"Alan Smith","startTime":3500.229,"endTime":3502.8689999999997,"body":"crusty cup of coffee and an old"},{"speaker":"Alan Smith","startTime":3500.229,"endTime":3502.8689999999997,"body":"mug or something like that. I"},{"speaker":"Alan Smith","startTime":3502.8689999999997,"endTime":3506.1389999999997,"body":"thought why wouldn't you just"},{"speaker":"Alan Smith","startTime":3502.8689999999997,"endTime":3506.1389999999997,"body":"invest in good china, invest in"},{"speaker":"Alan Smith","startTime":3506.1389999999997,"endTime":3510.429,"body":"a high grade coffee making"},{"speaker":"Alan Smith","startTime":3506.1389999999997,"endTime":3510.429,"body":"machine like bean to cup coffee"},{"speaker":"Alan Smith","startTime":3510.429,"endTime":3514.659,"body":"making machine. And you know, so"},{"speaker":"Alan Smith","startTime":3510.429,"endTime":3514.659,"body":"you can do cappuccinos and"},{"speaker":"Alan Smith","startTime":3514.659,"endTime":3517.779,"body":"lattes and all that sort of"},{"speaker":"Alan Smith","startTime":3514.659,"endTime":3517.779,"body":"stuff. And you're right call it"},{"speaker":"Alan Smith","startTime":3517.779,"endTime":3520.5389999999998,"body":"you know, when when you go to"},{"speaker":"Alan Smith","startTime":3517.779,"endTime":3520.5389999999998,"body":"Costa Coffee or something, they"},{"speaker":"Alan Smith","startTime":3520.5389999999998,"endTime":3522.8489999999997,"body":"do this coffee and you have to"},{"speaker":"Alan Smith","startTime":3520.5389999999998,"endTime":3522.8489999999997,"body":"ask for a cappuccino to do that"},{"speaker":"Alan Smith","startTime":3522.8489999999997,"endTime":3525.7889999999998,"body":"little sort of coffee bean or"},{"speaker":"Alan Smith","startTime":3522.8489999999997,"endTime":3525.7889999999998,"body":"something on the top. And I"},{"speaker":"Alan Smith","startTime":3525.7889999999998,"endTime":3528.519,"body":"thought, I wonder where you get"},{"speaker":"Alan Smith","startTime":3525.7889999999998,"endTime":3528.519,"body":"those things. You google it go"},{"speaker":"Alan Smith","startTime":3528.519,"endTime":3530.979,"body":"on Amazon and you can get one"},{"speaker":"Alan Smith","startTime":3528.519,"endTime":3530.979,"body":"made with your own logo."},{"speaker":"Alan Smith","startTime":3530.979,"endTime":3533.379,"body":"Everyone's got a logo. So you"},{"speaker":"Alan Smith","startTime":3530.979,"endTime":3533.379,"body":"might as well put a coffee"},{"speaker":"Alan Smith","startTime":3533.379,"endTime":3537.009,"body":"shaker. And I'll tell you pop"},{"speaker":"Alan Smith","startTime":3533.379,"endTime":3537.009,"body":"that down in front of a client"},{"speaker":"Alan Smith","startTime":3537.009,"endTime":3540.519,"body":"and Iced Cappuccino. We've got"},{"speaker":"Alan Smith","startTime":3537.009,"endTime":3540.519,"body":"these glass coffee cups, and"},{"speaker":"Alan Smith","startTime":3540.519,"endTime":3544.5989999999997,"body":"it's got the logo on front."},{"speaker":"Alan Smith","startTime":3540.519,"endTime":3544.5989999999997,"body":"Whether you might be you might"},{"speaker":"Alan Smith","startTime":3544.5989999999997,"endTime":3547.239,"body":"come across as a bit twee or a"},{"speaker":"Alan Smith","startTime":3544.5989999999997,"endTime":3547.239,"body":"bit naff, but I've certainly had"},{"speaker":"Alan Smith","startTime":3547.239,"endTime":3550.209,"body":"many as a person say, Well, if"},{"speaker":"Alan Smith","startTime":3547.239,"endTime":3550.209,"body":"you pay this much attention to"},{"speaker":"Alan Smith","startTime":3550.209,"endTime":3552.819,"body":"how you make coffee. I don't I"},{"speaker":"Alan Smith","startTime":3550.209,"endTime":3552.819,"body":"don't really understand what you"},{"speaker":"Alan Smith","startTime":3552.819,"endTime":3554.1389999999997,"body":"do with the financial stuff. And"},{"speaker":"Carl Widger","startTime":3554.23,"endTime":3557.7999999999997,"body":"can I just say,"},{"speaker":"Carl Widger","startTime":3554.23,"endTime":3557.7999999999997,"body":"Alan, I was blown away by the"},{"speaker":"Carl Widger","startTime":3557.7999999999997,"endTime":3561.0699999999997,"body":"experience in your office. I"},{"speaker":"Carl Widger","startTime":3557.7999999999997,"endTime":3561.0699999999997,"body":"visited your office in 2018. For"},{"speaker":"Carl Widger","startTime":3561.0699999999997,"endTime":3564.73,"body":"the first time. Yeah. And I came"},{"speaker":"Carl Widger","startTime":3561.0699999999997,"endTime":3564.73,"body":"back going, we have work to do."},{"speaker":"Carl Widger","startTime":3565.06,"endTime":3568.21,"body":"This is this was it was an"},{"speaker":"Carl Widger","startTime":3565.06,"endTime":3568.21,"body":"amazing experience. It really"},{"speaker":"Carl Widger","startTime":3568.21,"endTime":3568.96,"body":"was so dope."},{"speaker":"Alan Smith","startTime":3569.68,"endTime":3572.0499999999997,"body":"Thank you. Thanks"},{"speaker":"Alan Smith","startTime":3569.68,"endTime":3572.0499999999997,"body":"for saying that. And and you"},{"speaker":"Alan Smith","startTime":3572.0499999999997,"endTime":3575.77,"body":"have to constantly improve it."},{"speaker":"Alan Smith","startTime":3572.0499999999997,"endTime":3575.77,"body":"And I often think I sort of"},{"speaker":"Alan Smith","startTime":3576.3399999999997,"endTime":3578.5,"body":"reverse engineer somebody's"},{"speaker":"Alan Smith","startTime":3576.3399999999997,"endTime":3578.5,"body":"leaving, especially to come"},{"speaker":"Alan Smith","startTime":3578.5,"endTime":3580.87,"body":"there for the first time and so"},{"speaker":"Alan Smith","startTime":3578.5,"endTime":3580.87,"body":"often so it's a husband and wife"},{"speaker":"Alan Smith","startTime":3580.87,"endTime":3583.42,"body":"or a couple. I'm always"},{"speaker":"Alan Smith","startTime":3580.87,"endTime":3583.42,"body":"imagining that walking down the"},{"speaker":"Alan Smith","startTime":3583.42,"endTime":3585.67,"body":"street or going off for you"},{"speaker":"Alan Smith","startTime":3583.42,"endTime":3585.67,"body":"know, for lunch together or"},{"speaker":"Alan Smith","startTime":3585.67,"endTime":3588.0699999999997,"body":"something and they're gonna say"},{"speaker":"Alan Smith","startTime":3585.67,"endTime":3588.0699999999997,"body":"that was pretty good was there"},{"speaker":"Alan Smith","startTime":3588.0699999999997,"endTime":3590.77,"body":"that was interesting that was"},{"speaker":"Alan Smith","startTime":3588.0699999999997,"endTime":3590.77,"body":"gonna like to have this so small"},{"speaker":"Alan Smith","startTime":3590.77,"endTime":3593.1099999999997,"body":"as another small thing in there"},{"speaker":"Alan Smith","startTime":3590.77,"endTime":3593.1099999999997,"body":"we will I know because some of"},{"speaker":"Alan Smith","startTime":3593.1099999999997,"endTime":3595.2999999999997,"body":"those initial meetings de la are"},{"speaker":"Alan Smith","startTime":3593.1099999999997,"endTime":3595.2999999999997,"body":"quite long. There are a couple"},{"speaker":"Alan Smith","startTime":3595.2999999999997,"endTime":3599.02,"body":"of hours long. So we've got a"},{"speaker":"Alan Smith","startTime":3595.2999999999997,"endTime":3599.02,"body":"timer there after 60 minutes."},{"speaker":"Alan Smith","startTime":3599.14,"endTime":3601.69,"body":"Somebody else comes in just"},{"speaker":"Alan Smith","startTime":3599.14,"endTime":3601.69,"body":"politely knocks on the door."},{"speaker":"Alan Smith","startTime":3602.23,"endTime":3603.94,"body":"Anyone have any other"},{"speaker":"Alan Smith","startTime":3602.23,"endTime":3603.94,"body":"refreshments? Or do you want to"},{"speaker":"Alan Smith","startTime":3603.94,"endTime":3606.0699999999997,"body":"take a comfort break now? Oh,"},{"speaker":"Alan Smith","startTime":3603.94,"endTime":3606.0699999999997,"body":"that's actually I wouldn't mind"},{"speaker":"Alan Smith","startTime":3606.0699999999997,"endTime":3608.68,"body":"using the Luna or Asha. Wouldn't"},{"speaker":"Alan Smith","startTime":3606.0699999999997,"endTime":3608.68,"body":"I would love another coffee."},{"speaker":"Alan Smith","startTime":3608.68,"endTime":3612.7,"body":"Yes, thank you do it. Just think"},{"speaker":"Alan Smith","startTime":3608.68,"endTime":3612.7,"body":"about it in advance. And so it's"},{"speaker":"Alan Smith","startTime":3613.5099999999998,"endTime":3616.6,"body":"systematic spontaneity is the"},{"speaker":"Alan Smith","startTime":3613.5099999999998,"endTime":3616.6,"body":"word it sounds it looks like"},{"speaker":"Alan Smith","startTime":3616.6,"endTime":3619.45,"body":"it's really spot spontaneous,"},{"speaker":"Alan Smith","startTime":3616.6,"endTime":3619.45,"body":"but it's systemized. We know"},{"speaker":"Alan Smith","startTime":3619.45,"endTime":3622.69,"body":"what we're planning. It is"},{"speaker":"Alan Smith","startTime":3619.45,"endTime":3622.69,"body":"repeatable. And I'll tell you,"},{"speaker":"Alan Smith","startTime":3622.87,"endTime":3627.52,"body":"it works. And the and the last"},{"speaker":"Alan Smith","startTime":3622.87,"endTime":3627.52,"body":"thing I'll say on this for the"},{"speaker":"Alan Smith","startTime":3627.52,"endTime":3631.06,"body":"moment, so that's the kind of"},{"speaker":"Alan Smith","startTime":3627.52,"endTime":3631.06,"body":"ensure onboarding. I'm a big"},{"speaker":"Alan Smith","startTime":3631.06,"endTime":3634.3599999999997,"body":"believer in this concept that I"},{"speaker":"Alan Smith","startTime":3631.06,"endTime":3634.3599999999997,"body":"call it the first 100 days, the"},{"speaker":"Alan Smith","startTime":3634.3599999999997,"endTime":3636.52,"body":"first 100 days of any new"},{"speaker":"Alan Smith","startTime":3634.3599999999997,"endTime":3636.52,"body":"professional relationships are"},{"speaker":"Alan Smith","startTime":3636.52,"endTime":3639.7,"body":"so important. I'm into the"},{"speaker":"Alan Smith","startTime":3636.52,"endTime":3639.7,"body":"lifetime value of this client"},{"speaker":"Alan Smith","startTime":3639.7,"endTime":3643.15,"body":"relationship. I want them to be"},{"speaker":"Alan Smith","startTime":3639.7,"endTime":3643.15,"body":"clients of ours, hopefully for a"},{"speaker":"Alan Smith","startTime":3643.15,"endTime":3646.69,"body":"decade, and more. The work you"},{"speaker":"Alan Smith","startTime":3643.15,"endTime":3646.69,"body":"do is like any relationship"},{"speaker":"Alan Smith","startTime":3646.69,"endTime":3649.39,"body":"actually, the work you do at the"},{"speaker":"Alan Smith","startTime":3646.69,"endTime":3649.39,"body":"front end, the investment you"},{"speaker":"Alan Smith","startTime":3649.39,"endTime":3652.9,"body":"make at the front end will pay"},{"speaker":"Alan Smith","startTime":3649.39,"endTime":3652.9,"body":"dividends after time. So having"},{"speaker":"Alan Smith","startTime":3652.9,"endTime":3655.12,"body":"things are shoot, I should say"},{"speaker":"Alan Smith","startTime":3652.9,"endTime":3655.12,"body":"when we're going through that"},{"speaker":"Alan Smith","startTime":3655.12,"endTime":3658.39,"body":"initial onboarding process, we"},{"speaker":"Alan Smith","startTime":3655.12,"endTime":3658.39,"body":"give them a gift. And it's just"},{"speaker":"Alan Smith","startTime":3658.39,"endTime":3660.64,"body":"a simple gift. It's a book and"},{"speaker":"Alan Smith","startTime":3658.39,"endTime":3660.64,"body":"it's usually as the Paul"},{"speaker":"Alan Smith","startTime":3660.64,"endTime":3663.7599999999998,"body":"Armstrong book enough as an"},{"speaker":"Alan Smith","startTime":3660.64,"endTime":3663.7599999999998,"body":"early stage. Now there's"},{"speaker":"Alan Smith","startTime":3663.7599999999998,"endTime":3667.0,"body":"something really important about"},{"speaker":"Alan Smith","startTime":3663.7599999999998,"endTime":3667.0,"body":"that one thing is a gift there's"},{"speaker":"Alan Smith","startTime":3667.0,"endTime":3670.24,"body":"a law of reciprocation people"},{"speaker":"Alan Smith","startTime":3667.0,"endTime":3670.24,"body":"like a gift. People don't throw"},{"speaker":"Alan Smith","startTime":3670.24,"endTime":3672.22,"body":"a book in the bin even if they"},{"speaker":"Alan Smith","startTime":3670.24,"endTime":3672.22,"body":"never read it. They're not gonna"},{"speaker":"Alan Smith","startTime":3672.22,"endTime":3675.2799999999997,"body":"chalk it probably or sit around"},{"speaker":"Alan Smith","startTime":3672.22,"endTime":3675.2799999999997,"body":"a nice little inscription in the"},{"speaker":"Alan Smith","startTime":3675.2799999999997,"endTime":3678.4,"body":"front because because that that"},{"speaker":"Alan Smith","startTime":3675.2799999999997,"endTime":3678.4,"body":"book. It's not the best book in"},{"speaker":"Alan Smith","startTime":3678.4,"endTime":3681.13,"body":"the world, but it does"},{"speaker":"Alan Smith","startTime":3678.4,"endTime":3681.13,"body":"articulate pretty well, kind of"},{"speaker":"Alan Smith","startTime":3681.13,"endTime":3683.29,"body":"what we do and how much is"},{"speaker":"Alan Smith","startTime":3681.13,"endTime":3683.29,"body":"enough and the value of"},{"speaker":"Alan Smith","startTime":3683.29,"endTime":3686.0499999999997,"body":"financial planning and so on. So"},{"speaker":"Alan Smith","startTime":3683.29,"endTime":3686.0499999999997,"body":"you give them a you give them a"},{"speaker":"Alan Smith","startTime":3686.0499999999997,"endTime":3688.8399999999997,"body":"gift. And often people will come"},{"speaker":"Alan Smith","startTime":3686.0499999999997,"endTime":3688.8399999999997,"body":"back to me said, I've read that"},{"speaker":"Alan Smith","startTime":3688.8399999999997,"endTime":3691.66,"body":"fantastic really, really"},{"speaker":"Alan Smith","startTime":3688.8399999999997,"endTime":3691.66,"body":"articulates it well. So you're"},{"speaker":"Alan Smith","startTime":3691.66,"endTime":3694.27,"body":"building a relationship, you"},{"speaker":"Alan Smith","startTime":3691.66,"endTime":3694.27,"body":"sort of, you're building it over"},{"speaker":"Alan Smith","startTime":3694.27,"endTime":3698.38,"body":"time. And when someone comes on"},{"speaker":"Alan Smith","startTime":3694.27,"endTime":3698.38,"body":"board, they get a welcome pack,"},{"speaker":"Alan Smith","startTime":3698.56,"endTime":3700.8399999999997,"body":"they get a letter from me, you"},{"speaker":"Alan Smith","startTime":3698.56,"endTime":3700.8399999999997,"body":"know, says you know, grant, but"},{"speaker":"Alan Smith","startTime":3700.8399999999997,"endTime":3703.5099999999998,"body":"people quite like that, you"},{"speaker":"Alan Smith","startTime":3700.8399999999997,"endTime":3703.5099999999998,"body":"know, handwritten notes from as"},{"speaker":"Alan Smith","startTime":3703.75,"endTime":3705.8199999999997,"body":"they get us, the guests. And"},{"speaker":"Alan Smith","startTime":3703.75,"endTime":3705.8199999999997,"body":"actually the last thing I'll"},{"speaker":"Alan Smith","startTime":3705.8199999999997,"endTime":3710.38,"body":"say, we'd also give them if"},{"speaker":"Alan Smith","startTime":3705.8199999999997,"endTime":3710.38,"body":"we've done the, you know, the"},{"speaker":"Alan Smith","startTime":3710.38,"endTime":3712.5099999999998,"body":"research where we know what"},{"speaker":"Alan Smith","startTime":3710.38,"endTime":3712.5099999999998,"body":"their hobbies and other passions"},{"speaker":"Alan Smith","startTime":3712.5099999999998,"endTime":3715.66,"body":"know what they're interested in."},{"speaker":"Alan Smith","startTime":3712.5099999999998,"endTime":3715.66,"body":"When they have come on board, we"},{"speaker":"Alan Smith","startTime":3715.66,"endTime":3718.0899999999997,"body":"will often give them a kind of a"},{"speaker":"Alan Smith","startTime":3715.66,"endTime":3718.0899999999997,"body":"coffee table type book as well,"},{"speaker":"Alan Smith","startTime":3718.0899999999997,"endTime":3721.27,"body":"if if they're passionate about"},{"speaker":"Alan Smith","startTime":3718.0899999999997,"endTime":3721.27,"body":"golf or something 100 best golf"},{"speaker":"Alan Smith","startTime":3721.27,"endTime":3723.79,"body":"courses of the world or they"},{"speaker":"Alan Smith","startTime":3721.27,"endTime":3723.79,"body":"love sailing or they love"},{"speaker":"Alan Smith","startTime":3723.79,"endTime":3726.91,"body":"whatever it is a nice coffee"},{"speaker":"Alan Smith","startTime":3723.79,"endTime":3726.91,"body":"table book that sits in their"},{"speaker":"Alan Smith","startTime":3726.91,"endTime":3730.06,"body":"lounge or somewhere that they"},{"speaker":"Alan Smith","startTime":3726.91,"endTime":3730.06,"body":"can. It's just part of the"},{"speaker":"Alan Smith","startTime":3730.06,"endTime":3734.5899999999997,"body":"building a relationship and the"},{"speaker":"Alan Smith","startTime":3730.06,"endTime":3734.5899999999997,"body":"first 100 days of the off when"},{"speaker":"Alan Smith","startTime":3734.5899999999997,"endTime":3737.7999999999997,"body":"we first engaged with them. That"},{"speaker":"Alan Smith","startTime":3734.5899999999997,"endTime":3737.7999999999997,"body":"is memorable. That is people"},{"speaker":"Alan Smith","startTime":3737.7999999999997,"endTime":3740.95,"body":"will talk about that. And it's"},{"speaker":"Alan Smith","startTime":3737.7999999999997,"endTime":3740.95,"body":"more than going to get from you"},{"speaker":"Alan Smith","startTime":3740.95,"endTime":3743.65,"body":"know, the proverbial private"},{"speaker":"Alan Smith","startTime":3740.95,"endTime":3743.65,"body":"bank down the road who really"},{"speaker":"Alan Smith","startTime":3743.77,"endTime":3745.48,"body":"care about that care about their"},{"speaker":"Alan Smith","startTime":3743.77,"endTime":3745.48,"body":"money."},{"speaker":"Nick Lincoln","startTime":3746.29,"endTime":3748.87,"body":"That's it. Okay,"},{"speaker":"Nick Lincoln","startTime":3746.29,"endTime":3748.87,"body":"Andy, and then call"},{"speaker":"Andy Hart","startTime":3748.9,"endTime":3751.66,"body":"some superpoints"},{"speaker":"Andy Hart","startTime":3748.9,"endTime":3751.66,"body":"aralen? Yeah, your office is"},{"speaker":"Andy Hart","startTime":3751.66,"endTime":3755.17,"body":"amazing, mate. Yes, you've done"},{"speaker":"Andy Hart","startTime":3751.66,"endTime":3755.17,"body":"a cracking job with that."},{"speaker":"Nick Lincoln","startTime":3755.98,"endTime":3757.5099999999998,"body":"Say, can we stop"},{"speaker":"Nick Lincoln","startTime":3755.98,"endTime":3757.5099999999998,"body":"with a loving?"},{"speaker":"Unknown","startTime":3757.75,"endTime":3760.93,"body":"No, keep going, keep"},{"speaker":"Unknown","startTime":3757.75,"endTime":3760.93,"body":"going. This is so unusual. I was"},{"speaker":"Unknown","startTime":3760.93,"endTime":3761.71,"body":"gonna say this the only thing"},{"speaker":"Andy Hart","startTime":3761.709,"endTime":3765.129,"body":"he beats me with. So"},{"speaker":"Andy Hart","startTime":3761.709,"endTime":3765.129,"body":"I'll leave it as that I do. Like"},{"speaker":"Andy Hart","startTime":3765.159,"endTime":3767.769,"body":"Alan's funny sayings. The"},{"speaker":"Andy Hart","startTime":3765.159,"endTime":3767.769,"body":"funniest thing he's ever said as"},{"speaker":"Andy Hart","startTime":3767.769,"endTime":3772.239,"body":"corporate athlete, just gotta"},{"speaker":"Andy Hart","startTime":3767.769,"endTime":3772.239,"body":"let that one sit. I've got a I"},{"speaker":"Andy Hart","startTime":3772.239,"endTime":3775.179,"body":"was really into truth. And I was"},{"speaker":"Andy Hart","startTime":3772.239,"endTime":3775.179,"body":"really into doing these tiny"},{"speaker":"Andy Hart","startTime":3775.179,"endTime":3777.609,"body":"things. When I first started"},{"speaker":"Andy Hart","startTime":3775.179,"endTime":3777.609,"body":"Maven advisor, I've sort of"},{"speaker":"Andy Hart","startTime":3777.609,"endTime":3779.979,"body":"taken my foot off the gas now I"},{"speaker":"Andy Hart","startTime":3777.609,"endTime":3779.979,"body":"suppose as the business has"},{"speaker":"Andy Hart","startTime":3779.979,"endTime":3783.519,"body":"grown, and I'm sort of reaching"},{"speaker":"Andy Hart","startTime":3779.979,"endTime":3783.519,"body":"capacity. But anyway, I've got a"},{"speaker":"Andy Hart","startTime":3783.519,"endTime":3786.609,"body":"funny story. When I first was"},{"speaker":"Andy Hart","startTime":3783.519,"endTime":3786.609,"body":"setting up the phone lines for"},{"speaker":"Andy Hart","startTime":3786.609,"endTime":3788.739,"body":"Maven advisor, I obviously never"},{"speaker":"Andy Hart","startTime":3786.609,"endTime":3788.739,"body":"want to answer the phone, I"},{"speaker":"Andy Hart","startTime":3788.739,"endTime":3791.199,"body":"never want a phone to ring in my"},{"speaker":"Andy Hart","startTime":3788.739,"endTime":3791.199,"body":"office, all of my clients who"},{"speaker":"Andy Hart","startTime":3791.199,"endTime":3794.439,"body":"have got my badge number, my"},{"speaker":"Andy Hart","startTime":3791.199,"endTime":3794.439,"body":"mobile number. So but I've got a"},{"speaker":"Andy Hart","startTime":3794.439,"endTime":3797.109,"body":"public number that people can"},{"speaker":"Andy Hart","startTime":3794.439,"endTime":3797.109,"body":"call, oh 203 number or whatever."},{"speaker":"Andy Hart","startTime":3797.3489999999997,"endTime":3799.659,"body":"And we were sitting there saying"},{"speaker":"Andy Hart","startTime":3797.3489999999997,"endTime":3799.659,"body":"oh, how are we going to answer"},{"speaker":"Andy Hart","startTime":3799.659,"endTime":3801.429,"body":"the phones? You know, again,"},{"speaker":"Andy Hart","startTime":3799.659,"endTime":3801.429,"body":"that whole question how do you"},{"speaker":"Andy Hart","startTime":3801.429,"endTime":3805.3889999999997,"body":"answer the phones? And we said"},{"speaker":"Andy Hart","startTime":3801.429,"endTime":3805.3889999999997,"body":"well what the rich do we said we"},{"speaker":"Andy Hart","startTime":3805.3889999999997,"endTime":3807.549,"body":"don't know what the roots do"},{"speaker":"Andy Hart","startTime":3805.3889999999997,"endTime":3807.549,"body":"let's call them so we called the"},{"speaker":"Andy Hart","startTime":3807.549,"endTime":3810.0989999999997,"body":"Ritz to see what they how they"},{"speaker":"Andy Hart","startTime":3807.549,"endTime":3810.0989999999997,"body":"answered the phone. And they"},{"speaker":"Andy Hart","startTime":3810.0989999999997,"endTime":3814.5989999999997,"body":"were like hello the Ritz how how"},{"speaker":"Andy Hart","startTime":3810.0989999999997,"endTime":3814.5989999999997,"body":"may we be of service that's what"},{"speaker":"Andy Hart","startTime":3814.5989999999997,"endTime":3817.569,"body":"the Ritz said hello the Ritz"},{"speaker":"Andy Hart","startTime":3814.5989999999997,"endTime":3817.569,"body":"Good morning the Ritz how may we"},{"speaker":"Andy Hart","startTime":3817.569,"endTime":3820.899,"body":"be of service? So if you call"},{"speaker":"Andy Hart","startTime":3817.569,"endTime":3820.899,"body":"Maven Advisor Now that the"},{"speaker":"Andy Hart","startTime":3820.899,"endTime":3824.199,"body":"saying that they have to say on"},{"speaker":"Andy Hart","startTime":3820.899,"endTime":3824.199,"body":"the screen in front of them,"},{"speaker":"Andy Hart","startTime":3824.199,"endTime":3827.1389999999997,"body":"these people that work in a"},{"speaker":"Andy Hart","startTime":3824.199,"endTime":3827.1389999999997,"body":"large call answering call center"},{"speaker":"Andy Hart","startTime":3827.169,"endTime":3830.709,"body":"is that like Good afternoon,"},{"speaker":"Andy Hart","startTime":3827.169,"endTime":3830.709,"body":"Maven advisor, how may we be of"},{"speaker":"Andy Hart","startTime":3830.709,"endTime":3833.499,"body":"service? You've probably noticed"},{"speaker":"Andy Hart","startTime":3830.709,"endTime":3833.499,"body":"that it's quite it's it's hard"},{"speaker":"Andy Hart","startTime":3833.499,"endTime":3836.439,"body":"to say that I've struggled to"},{"speaker":"Andy Hart","startTime":3833.499,"endTime":3836.439,"body":"say that. So you call Maven"},{"speaker":"Andy Hart","startTime":3836.439,"endTime":3839.8889999999997,"body":"advisor and someone goes Hey,"},{"speaker":"Andy Hart","startTime":3836.439,"endTime":3839.8889999999997,"body":"good afternoon Maven advisor how"},{"speaker":"Andy Hart","startTime":3840.249,"endTime":3845.0789999999997,"body":"how can we be of service and I'm"},{"speaker":"Andy Hart","startTime":3840.249,"endTime":3845.0789999999997,"body":"like, freaking do it like that?"},{"speaker":"Andy Hart","startTime":3845.0789999999997,"endTime":3847.8089999999997,"body":"You're gonna say good morning"},{"speaker":"Andy Hart","startTime":3845.0789999999997,"endTime":3847.8089999999997,"body":"Maven advisor how may we be of"},{"speaker":"Andy Hart","startTime":3847.8089999999997,"endTime":3850.659,"body":"service but they don't do it. So"},{"speaker":"Andy Hart","startTime":3847.8089999999997,"endTime":3850.659,"body":"find my number on the website"},{"speaker":"Andy Hart","startTime":3850.659,"endTime":3853.659,"body":"and call that number it will"},{"speaker":"Andy Hart","startTime":3850.659,"endTime":3853.659,"body":"cost me a quid to receive these"},{"speaker":"Andy Hart","startTime":3854.2889999999998,"endTime":3858.189,"body":"pointless messages. But yeah,"},{"speaker":"Andy Hart","startTime":3854.2889999999998,"endTime":3858.189,"body":"that's that's how it should be"},{"speaker":"Andy Hart","startTime":3858.189,"endTime":3858.819,"body":"answered. Yeah,"},{"speaker":"Alan Smith","startTime":3858.8199999999997,"endTime":3861.19,"body":"so So everyone,"},{"speaker":"Alan Smith","startTime":3858.8199999999997,"endTime":3861.19,"body":"everyone listening to this call,"},{"speaker":"Alan Smith","startTime":3861.25,"endTime":3864.58,"body":"Andrew, you might be able to get"},{"speaker":"Alan Smith","startTime":3861.25,"endTime":3864.58,"body":"up to 1000 pounds bill for him"},{"speaker":"Alan Smith","startTime":3864.58,"endTime":3867.0099999999998,"body":"if we do it, right. Yeah, but"},{"speaker":"Alan Smith","startTime":3864.58,"endTime":3867.0099999999998,"body":"anyway, over to Carl"},{"speaker":"Carl Widger","startTime":3869.319,"endTime":3872.799,"body":"Very good. Yeah."},{"speaker":"Carl Widger","startTime":3869.319,"endTime":3872.799,"body":"Funny, like Alan listened to"},{"speaker":"Carl Widger","startTime":3872.799,"endTime":3876.279,"body":"recount the setup in the office."},{"speaker":"Carl Widger","startTime":3872.799,"endTime":3876.279,"body":"I actually experienced all that."},{"speaker":"Carl Widger","startTime":3876.279,"endTime":3881.049,"body":"But the funny thing is was back"},{"speaker":"Carl Widger","startTime":3876.279,"endTime":3881.049,"body":"in 2018, you gave me a book."},{"speaker":"Carl Widger","startTime":3881.439,"endTime":3886.3889999999997,"body":"Yeah, the book was a as was your"},{"speaker":"Carl Widger","startTime":3881.439,"endTime":3886.3889999999997,"body":"five year plan. Oh, yeah. Be"},{"speaker":"Carl Widger","startTime":3886.3889999999997,"endTime":3889.569,"body":"fair to say the five year plan"},{"speaker":"Carl Widger","startTime":3886.3889999999997,"endTime":3889.569,"body":"that I wrote down to that"},{"speaker":"Alan Smith","startTime":3891.19,"endTime":3893.68,"body":"man plans God laughs"},{"speaker":"Alan Smith","startTime":3891.19,"endTime":3893.68,"body":"Yeah, as well."},{"speaker":"Nick Lincoln","startTime":3894.31,"endTime":3898.2999999999997,"body":"The last episode I"},{"speaker":"Nick Lincoln","startTime":3894.31,"endTime":3898.2999999999997,"body":"call Maven which I call Maven"},{"speaker":"Nick Lincoln","startTime":3898.2999999999997,"endTime":3899.17,"body":"Advisor Now I got to"},{"speaker":"Andy Hart","startTime":3902.29,"endTime":3905.83,"body":"do it live I'll carry"},{"speaker":"Andy Hart","startTime":3902.29,"endTime":3905.83,"body":"on talking about about the books"},{"speaker":"Andy Hart","startTime":3905.83,"endTime":3908.44,"body":"yeah, I've sent loads and loads"},{"speaker":"Andy Hart","startTime":3905.83,"endTime":3908.44,"body":"and loads of books to prospects"},{"speaker":"Alan Smith","startTime":3914.2,"endTime":3916.66,"body":"you want to sack"},{"speaker":"Alan Smith","startTime":3914.2,"endTime":3916.66,"body":"them off me? I can help"},{"speaker":"Andy Hart","startTime":3916.69,"endTime":3919.63,"body":"sorry. Cool again,"},{"speaker":"Andy Hart","startTime":3916.69,"endTime":3919.63,"body":"just to see the inconsistencies"},{"speaker":"Andy Hart","startTime":3919.63,"endTime":3921.52,"body":"one more time call again for"},{"speaker":"Andy Hart","startTime":3919.63,"endTime":3921.52,"body":"somebody else to pick it up"},{"speaker":"Unknown","startTime":3925.63,"endTime":3928.39,"body":"at the Ritz Carlton"},{"speaker":"Unknown","startTime":3925.63,"endTime":3928.39,"body":"make your way. We're here again."},{"speaker":"Unknown","startTime":3929.0499999999997,"endTime":3933.04,"body":"The book. It goes it goes shish"},{"speaker":"Alan Smith","startTime":3934.33,"endTime":3937.96,"body":"mais and advisors"},{"speaker":"Alan Smith","startTime":3934.33,"endTime":3937.96,"body":"Now same thing as the same lady."},{"speaker":"Alan Smith","startTime":3939.58,"endTime":3943.18,"body":"She's She's, she's gonna"},{"speaker":"Alan Smith","startTime":3939.58,"endTime":3943.18,"body":"complain about this, this fine"},{"speaker":"Alan Smith","startTime":3943.18,"endTime":3944.08,"body":"grain color."},{"speaker":"Carl Widger","startTime":3944.23,"endTime":3947.5899999999997,"body":"Anyway, as I always"},{"speaker":"Carl Widger","startTime":3944.23,"endTime":3947.5899999999997,"body":"say it's very easy to the cube"},{"speaker":"Carl Widger","startTime":3947.5899999999997,"endTime":3954.6099999999997,"body":"remedies. Executing is the"},{"speaker":"Carl Widger","startTime":3947.5899999999997,"endTime":3954.6099999999997,"body":"difficult part. You need x."},{"speaker":"Unknown","startTime":3956.109,"endTime":3958.0589999999997,"body":"I felt full"},{"speaker":"Alan Smith","startTime":3958.54,"endTime":3960.67,"body":"full disclosure for"},{"speaker":"Alan Smith","startTime":3958.54,"endTime":3960.67,"body":"me as well. I see all these"},{"speaker":"Alan Smith","startTime":3960.67,"endTime":3963.64,"body":"things. I'll be consistent about"},{"speaker":"Alan Smith","startTime":3960.67,"endTime":3963.64,"body":"it all the time. Every time of"},{"speaker":"Alan Smith","startTime":3963.64,"endTime":3967.75,"body":"course we're not and we forget"},{"speaker":"Alan Smith","startTime":3963.64,"endTime":3967.75,"body":"and then you know, we find"},{"speaker":"Alan Smith","startTime":3967.75,"endTime":3968.3199999999997,"body":"ourselves"},{"speaker":"Carl Widger","startTime":3968.47,"endTime":3971.77,"body":"I think appoint"},{"speaker":"Carl Widger","startTime":3968.47,"endTime":3971.77,"body":"appointed clients made to me and"},{"speaker":"Carl Widger","startTime":3971.77,"endTime":3975.25,"body":"only in the last few weeks was I"},{"speaker":"Carl Widger","startTime":3971.77,"endTime":3975.25,"body":"used to go into my private bank"},{"speaker":"Carl Widger","startTime":3975.67,"endTime":3979.93,"body":"and To feel really nervous going"},{"speaker":"Carl Widger","startTime":3975.67,"endTime":3979.93,"body":"in and feel really stupid coming"},{"speaker":"Carl Widger","startTime":3979.93,"endTime":3982.81,"body":"out. So again, like if you're"},{"speaker":"Carl Widger","startTime":3979.93,"endTime":3982.81,"body":"thinking about if you're doing"},{"speaker":"Carl Widger","startTime":3982.81,"endTime":3985.63,"body":"really real financial planning,"},{"speaker":"Carl Widger","startTime":3982.81,"endTime":3985.63,"body":"you want your clients to be"},{"speaker":"Carl Widger","startTime":3985.63,"endTime":3989.5299999999997,"body":"relaxed coming in, you want"},{"speaker":"Carl Widger","startTime":3985.63,"endTime":3989.5299999999997,"body":"ultimately, this might happen"},{"speaker":"Carl Widger","startTime":3989.56,"endTime":3993.6099999999997,"body":"for a while. But ultimately, I'm"},{"speaker":"Carl Widger","startTime":3989.56,"endTime":3993.6099999999997,"body":"looking forward to my financial"},{"speaker":"Carl Widger","startTime":3993.6099999999997,"endTime":3996.79,"body":"planning meeting. It was a good"},{"speaker":"Carl Widger","startTime":3993.6099999999997,"endTime":3996.79,"body":"experience, we had a bit of fun."},{"speaker":"Carl Widger","startTime":3996.97,"endTime":4000.5699999999997,"body":"We went through, we modeled a"},{"speaker":"Carl Widger","startTime":3996.97,"endTime":4000.5699999999997,"body":"few scenarios we had, we had a"},{"speaker":"Carl Widger","startTime":4000.5699999999997,"endTime":4002.97,"body":"bit of crack with it, and then"},{"speaker":"Carl Widger","startTime":4000.5699999999997,"endTime":4002.97,"body":"it's like, you know, looking"},{"speaker":"Carl Widger","startTime":4002.97,"endTime":4004.65,"body":"forward to coming back. So"},{"speaker":"Alan Smith","startTime":4004.68,"endTime":4007.47,"body":"actually, you know,"},{"speaker":"Alan Smith","startTime":4004.68,"endTime":4007.47,"body":"you know what I think about for"},{"speaker":"Alan Smith","startTime":4007.47,"endTime":4011.16,"body":"those for the the first meeting,"},{"speaker":"Alan Smith","startTime":4007.47,"endTime":4011.16,"body":"if you're going to cut invite"},{"speaker":"Alan Smith","startTime":4011.16,"endTime":4013.5299999999997,"body":"people to your office, I know"},{"speaker":"Alan Smith","startTime":4011.16,"endTime":4013.5299999999997,"body":"you some of you guys are need to"},{"speaker":"Alan Smith","startTime":4013.5299999999997,"endTime":4016.5299999999997,"body":"work from home as well. But if"},{"speaker":"Alan Smith","startTime":4013.5299999999997,"endTime":4016.5299999999997,"body":"you are inviting them to an"},{"speaker":"Alan Smith","startTime":4016.5299999999997,"endTime":4019.71,"body":"office, and you've never had any"},{"speaker":"Alan Smith","startTime":4016.5299999999997,"endTime":4019.71,"body":"experience of it before, no,"},{"speaker":"Alan Smith","startTime":4019.71,"endTime":4024.24,"body":"this this is what we do. We've"},{"speaker":"Alan Smith","startTime":4019.71,"endTime":4024.24,"body":"been doing it forever. You know,"},{"speaker":"Alan Smith","startTime":4024.33,"endTime":4028.0499999999997,"body":"just to tell them in advance"},{"speaker":"Alan Smith","startTime":4024.33,"endTime":4028.0499999999997,"body":"what to expect. What we do is we"},{"speaker":"Alan Smith","startTime":4028.0499999999997,"endTime":4030.33,"body":"sit down for an informal"},{"speaker":"Alan Smith","startTime":4028.0499999999997,"endTime":4030.33,"body":"conversation, we invite you to,"},{"speaker":"Alan Smith","startTime":4030.33,"endTime":4033.63,"body":"you know, share your thoughts"},{"speaker":"Alan Smith","startTime":4030.33,"endTime":4033.63,"body":"and ideas. And you give them you"},{"speaker":"Alan Smith","startTime":4033.63,"endTime":4036.33,"body":"can either I mean, we don't be"},{"speaker":"Alan Smith","startTime":4033.63,"endTime":4036.33,"body":"could do a short video, you"},{"speaker":"Alan Smith","startTime":4036.33,"endTime":4038.58,"body":"could do a personalized one"},{"speaker":"Alan Smith","startTime":4036.33,"endTime":4038.58,"body":"nowadays take two seconds on"},{"speaker":"Alan Smith","startTime":4038.58,"endTime":4044.19,"body":"loom. But you do want to put"},{"speaker":"Alan Smith","startTime":4038.58,"endTime":4044.19,"body":"people's you know, I'm in a net,"},{"speaker":"Alan Smith","startTime":4044.19,"endTime":4046.2,"body":"you're looking sort of"},{"speaker":"Alan Smith","startTime":4044.19,"endTime":4046.2,"body":"disconcertingly there, but"},{"speaker":"Alan Smith","startTime":4046.2,"endTime":4049.65,"body":"there's, I've certainly had"},{"speaker":"Alan Smith","startTime":4046.2,"endTime":4049.65,"body":"situations where clients, so"},{"speaker":"Alan Smith","startTime":4049.65,"endTime":4053.58,"body":"often, the less financially"},{"speaker":"Alan Smith","startTime":4049.65,"endTime":4053.58,"body":"involved spouse, who said I was"},{"speaker":"Alan Smith","startTime":4053.58,"endTime":4055.2,"body":"really nervous about coming in"},{"speaker":"Alan Smith","startTime":4053.58,"endTime":4055.2,"body":"here, they think they're going"},{"speaker":"Alan Smith","startTime":4055.2,"endTime":4057.66,"body":"to be grilled about their sort"},{"speaker":"Alan Smith","startTime":4055.2,"endTime":4057.66,"body":"of investment expertise or"},{"speaker":"Alan Smith","startTime":4057.66,"endTime":4059.5499999999997,"body":"something and just say, it's not"},{"speaker":"Alan Smith","startTime":4057.66,"endTime":4059.5499999999997,"body":"about that at all, we're going"},{"speaker":"Alan Smith","startTime":4059.5499999999997,"endTime":4062.49,"body":"to talk about life, and family"},{"speaker":"Alan Smith","startTime":4059.5499999999997,"endTime":4062.49,"body":"and values and the future. And"},{"speaker":"Alan Smith","startTime":4062.49,"endTime":4064.65,"body":"so it's very relaxed. You tell"},{"speaker":"Alan Smith","startTime":4062.49,"endTime":4064.65,"body":"us what sort of you want a"},{"speaker":"Alan Smith","startTime":4064.65,"endTime":4068.7599999999998,"body":"coffee, you want a tea, do all"},{"speaker":"Alan Smith","startTime":4064.65,"endTime":4068.7599999999998,"body":"that sort of thing, just to just"},{"speaker":"Alan Smith","startTime":4068.7599999999998,"endTime":4072.27,"body":"to sort of prepare people for it"},{"speaker":"Alan Smith","startTime":4068.7599999999998,"endTime":4072.27,"body":"and reduce that nervousness. And"},{"speaker":"Alan Smith","startTime":4072.27,"endTime":4075.39,"body":"often and yeah, as you say, maps"},{"speaker":"Alan Smith","startTime":4072.27,"endTime":4075.39,"body":"and directions, you know, our"},{"speaker":"Alan Smith","startTime":4075.39,"endTime":4077.8199999999997,"body":"office is where it's central,"},{"speaker":"Alan Smith","startTime":4075.39,"endTime":4077.8199999999997,"body":"but it's there's a, it's a bit"},{"speaker":"Alan Smith","startTime":4077.8199999999997,"endTime":4080.58,"body":"tricky to find the actual office"},{"speaker":"Alan Smith","startTime":4077.8199999999997,"endTime":4080.58,"body":"address and someone comes in,"},{"speaker":"Alan Smith","startTime":4080.67,"endTime":4084.18,"body":"bit flustered. 10 minutes late,"},{"speaker":"Alan Smith","startTime":4080.67,"endTime":4084.18,"body":"give a calm down, you know,"},{"speaker":"Alan Smith","startTime":4084.18,"endTime":4088.62,"body":"nice, oh, you know, the water,"},{"speaker":"Alan Smith","startTime":4084.18,"endTime":4088.62,"body":"fresh water, lemons, limes, ice,"},{"speaker":"Alan Smith","startTime":4088.65,"endTime":4091.56,"body":"all that stuff, small things"},{"speaker":"Alan Smith","startTime":4088.65,"endTime":4091.56,"body":"might, but it all adds up. And"},{"speaker":"Alan Smith","startTime":4091.56,"endTime":4095.22,"body":"that's so that's in summary,"},{"speaker":"Alan Smith","startTime":4091.56,"endTime":4095.22,"body":"critical, non essential small"},{"speaker":"Alan Smith","startTime":4095.22,"endTime":4098.85,"body":"things, but you do 1020 30 of"},{"speaker":"Alan Smith","startTime":4095.22,"endTime":4098.85,"body":"those. And the experience is"},{"speaker":"Alan Smith","startTime":4098.85,"endTime":4100.29,"body":"just entirely different."},{"speaker":"Nick Lincoln","startTime":4100.32,"endTime":4102.27,"body":"Okay. And the and"},{"speaker":"Nick Lincoln","startTime":4100.32,"endTime":4102.27,"body":"then I'll"},{"speaker":"Andy Hart","startTime":4102.27,"endTime":4104.97,"body":"wrap up on this, my"},{"speaker":"Andy Hart","startTime":4102.27,"endTime":4104.97,"body":"previous my previous office, you"},{"speaker":"Andy Hart","startTime":4104.97,"endTime":4107.28,"body":"say dogs welcome. And a lot of"},{"speaker":"Andy Hart","startTime":4104.97,"endTime":4107.28,"body":"clients used to come in with"},{"speaker":"Andy Hart","startTime":4107.28,"endTime":4110.61,"body":"their dogs, which was a nice"},{"speaker":"Andy Hart","startTime":4107.28,"endTime":4110.61,"body":"touch. At the book I used to"},{"speaker":"Andy Hart","startTime":4110.61,"endTime":4115.26,"body":"give the most was called the"},{"speaker":"Andy Hart","startTime":4110.61,"endTime":4115.26,"body":"number by Lee Eisenberg. And"},{"speaker":"Andy Hart","startTime":4115.26,"endTime":4121.02,"body":"then in recent times, I gift"},{"speaker":"Andy Hart","startTime":4115.26,"endTime":4121.02,"body":"simple wealth, inevitable wealth"},{"speaker":"Andy Hart","startTime":4121.02,"endTime":4124.32,"body":"by Nick Mario's to buy batches"},{"speaker":"Andy Hart","startTime":4121.02,"endTime":4124.32,"body":"of them from David Hearn"},{"speaker":"Andy Hart","startTime":4124.38,"endTime":4128.34,"body":"financial or whatever, it was an"},{"speaker":"Andy Hart","startTime":4124.38,"endTime":4128.34,"body":"audit, I used to write, gifted"},{"speaker":"Andy Hart","startTime":4128.34,"endTime":4132.0,"body":"by Andy Hart and Maven advisor."},{"speaker":"Andy Hart","startTime":4128.34,"endTime":4132.0,"body":"And then that was that if they"},{"speaker":"Andy Hart","startTime":4132.0,"endTime":4134.43,"body":"passed it on in the future, if"},{"speaker":"Andy Hart","startTime":4132.0,"endTime":4134.43,"body":"do you Nick?"},{"speaker":"Nick Lincoln","startTime":4137.31,"endTime":4139.2,"body":"Okay, just closing"},{"speaker":"Nick Lincoln","startTime":4137.31,"endTime":4139.2,"body":"on this thing of making it as"},{"speaker":"Nick Lincoln","startTime":4139.2,"endTime":4144.18,"body":"easy as clients to do what they"},{"speaker":"Nick Lincoln","startTime":4139.2,"endTime":4144.18,"body":"need to do, right? We, we know"},{"speaker":"Nick Lincoln","startTime":4144.18,"endTime":4147.06,"body":"clients need to do certain"},{"speaker":"Nick Lincoln","startTime":4144.18,"endTime":4147.06,"body":"things I mean, and critical and"},{"speaker":"Nick Lincoln","startTime":4147.06,"endTime":4149.43,"body":"essential, from my point of view"},{"speaker":"Nick Lincoln","startTime":4147.06,"endTime":4149.43,"body":"is is about making it as easy"},{"speaker":"Nick Lincoln","startTime":4149.43,"endTime":4151.8,"body":"for clients just to do their"},{"speaker":"Nick Lincoln","startTime":4149.43,"endTime":4151.8,"body":"stuff. And as easy for me as"},{"speaker":"Nick Lincoln","startTime":4151.8,"endTime":4154.62,"body":"well to be frank. So I'll"},{"speaker":"Nick Lincoln","startTime":4151.8,"endTime":4154.62,"body":"quickly close on this. So you"},{"speaker":"Nick Lincoln","startTime":4154.62,"endTime":4158.49,"body":"know that I'm, I'm changing my,"},{"speaker":"Nick Lincoln","startTime":4154.62,"endTime":4158.49,"body":"the investment proposition. But"},{"speaker":"Nick Lincoln","startTime":4158.49,"endTime":4160.71,"body":"I don't have discretionary"},{"speaker":"Nick Lincoln","startTime":4158.49,"endTime":4160.71,"body":"permission. So I have to do it"},{"speaker":"Nick Lincoln","startTime":4160.71,"endTime":4163.29,"body":"on an advisory basis per client"},{"speaker":"Nick Lincoln","startTime":4160.71,"endTime":4163.29,"body":"something over the next 12"},{"speaker":"Nick Lincoln","startTime":4163.29,"endTime":4165.57,"body":"months saying that we've got"},{"speaker":"Nick Lincoln","startTime":4163.29,"endTime":4165.57,"body":"these four funds, we're"},{"speaker":"Nick Lincoln","startTime":4165.57,"endTime":4169.92,"body":"replacing it via one fund. But"},{"speaker":"Nick Lincoln","startTime":4165.57,"endTime":4169.92,"body":"I'm telling my clients via a"},{"speaker":"Nick Lincoln","startTime":4169.92,"endTime":4173.13,"body":"very short three minute loom"},{"speaker":"Nick Lincoln","startTime":4169.92,"endTime":4173.13,"body":"video where we outline why we're"},{"speaker":"Nick Lincoln","startTime":4173.13,"endTime":4175.71,"body":"doing this what the rationale"},{"speaker":"Nick Lincoln","startTime":4173.13,"endTime":4175.71,"body":"is, and in that loom video,"},{"speaker":"Nick Lincoln","startTime":4175.71,"endTime":4177.99,"body":"there's the dropbox link"},{"speaker":"Nick Lincoln","startTime":4175.71,"endTime":4177.99,"body":"embedded in the video because"},{"speaker":"Nick Lincoln","startTime":4177.99,"endTime":4180.15,"body":"you can do that with loom which"},{"speaker":"Nick Lincoln","startTime":4177.99,"endTime":4180.15,"body":"is really nice to embed a link,"},{"speaker":"Nick Lincoln","startTime":4180.66,"endTime":4184.05,"body":"they click on that and opens up"},{"speaker":"Nick Lincoln","startTime":4180.66,"endTime":4184.05,"body":"a hidden page and only one of"},{"speaker":"Nick Lincoln","startTime":4184.05,"endTime":4186.72,"body":"these hidden pages on my website"},{"speaker":"Nick Lincoln","startTime":4184.05,"endTime":4186.72,"body":"where the key facts document is"},{"speaker":"Nick Lincoln","startTime":4186.75,"endTime":4188.76,"body":"now they can read all that crap"},{"speaker":"Nick Lincoln","startTime":4186.75,"endTime":4188.76,"body":"to their to their to their eyes"},{"speaker":"Nick Lincoln","startTime":4188.76,"endTime":4192.24,"body":"glaze over. And then they give"},{"speaker":"Nick Lincoln","startTime":4188.76,"endTime":4192.24,"body":"consent, very easy main I"},{"speaker":"Nick Lincoln","startTime":4192.24,"endTime":4195.96,"body":"consent to this switch those hit"},{"speaker":"Nick Lincoln","startTime":4192.24,"endTime":4195.96,"body":"submit and I get an email from"},{"speaker":"Nick Lincoln","startTime":4195.96,"endTime":4198.39,"body":"my audit trail. I've got an"},{"speaker":"Nick Lincoln","startTime":4195.96,"endTime":4198.39,"body":"audit trail now that they've"},{"speaker":"Nick Lincoln","startTime":4198.39,"endTime":4200.58,"body":"they've looked at the key"},{"speaker":"Nick Lincoln","startTime":4198.39,"endTime":4200.58,"body":"features documents, they've"},{"speaker":"Nick Lincoln","startTime":4200.58,"endTime":4203.7,"body":"given their consent and is done"},{"speaker":"Nick Lincoln","startTime":4200.58,"endTime":4203.7,"body":"and I can just crack on with it."},{"speaker":"Nick Lincoln","startTime":4203.7,"endTime":4206.37,"body":"We don't have a back and forth"},{"speaker":"Nick Lincoln","startTime":4203.7,"endTime":4206.37,"body":"and email chain, there are ugly"},{"speaker":"Nick Lincoln","startTime":4206.37,"endTime":4209.13,"body":"attachments. It's just about"},{"speaker":"Nick Lincoln","startTime":4206.37,"endTime":4209.13,"body":"making making it as easy for the"},{"speaker":"Nick Lincoln","startTime":4209.13,"endTime":4213.03,"body":"clients to do what they need to"},{"speaker":"Nick Lincoln","startTime":4209.13,"endTime":4213.03,"body":"do. And I'm really on a massive"},{"speaker":"Nick Lincoln","startTime":4213.03,"endTime":4216.75,"body":"drive to simplify everything to"},{"speaker":"Nick Lincoln","startTime":4213.03,"endTime":4216.75,"body":"really get stuff down to an"},{"speaker":"Nick Lincoln","startTime":4216.75,"endTime":4218.67,"body":"essence now I put a tweet out"},{"speaker":"Nick Lincoln","startTime":4216.75,"endTime":4218.67,"body":"last week didn't know why."},{"speaker":"Nick Lincoln","startTime":4218.8499999999995,"endTime":4223.53,"body":"Paraphrase tokens, token token"},{"speaker":"Nick Lincoln","startTime":4218.8499999999995,"endTime":4223.53,"body":"tokens poem about the ring, you"},{"speaker":"Nick Lincoln","startTime":4223.53,"endTime":4227.76,"body":"know, One Ring to rule them all"},{"speaker":"Nick Lincoln","startTime":4223.53,"endTime":4227.76,"body":"and in the darkness, bind them."},{"speaker":"Nick Lincoln","startTime":4227.82,"endTime":4231.21,"body":"And I said okay, so one plan to"},{"speaker":"Nick Lincoln","startTime":4227.82,"endTime":4231.21,"body":"guide them all three pots to"},{"speaker":"Nick Lincoln","startTime":4231.21,"endTime":4236.37,"body":"fund them one fund to fill them"},{"speaker":"Nick Lincoln","startTime":4231.21,"endTime":4236.37,"body":"all and in the simplicity mind"},{"speaker":"Nick Lincoln","startTime":4236.37,"endTime":4240.0,"body":"them. And that's I'm I'm on this"},{"speaker":"Nick Lincoln","startTime":4236.37,"endTime":4240.0,"body":"Mega Drive now, basically, you"},{"speaker":"Nick Lincoln","startTime":4240.0,"endTime":4244.41,"body":"know, three pots one, fund one"},{"speaker":"Nick Lincoln","startTime":4240.0,"endTime":4244.41,"body":"plan your life, let's do it and"},{"speaker":"Nick Lincoln","startTime":4244.41,"endTime":4246.18,"body":"getting rid of all the"},{"speaker":"Nick Lincoln","startTime":4244.41,"endTime":4246.18,"body":"extraneous crap, which I've"},{"speaker":"Nick Lincoln","startTime":4246.18,"endTime":4249.2699999999995,"body":"never really had much of any"},{"speaker":"Nick Lincoln","startTime":4246.18,"endTime":4249.2699999999995,"body":"anywhere, but I'm really getting"},{"speaker":"Nick Lincoln","startTime":4249.2699999999995,"endTime":4253.7699999999995,"body":"it simple, stupid, you know,"},{"speaker":"Nick Lincoln","startTime":4249.2699999999995,"endTime":4253.7699999999995,"body":"just just, it's so antithetical"},{"speaker":"Nick Lincoln","startTime":4253.7699999999995,"endTime":4255.99,"body":"to what everyone expects. And"},{"speaker":"Nick Lincoln","startTime":4253.7699999999995,"endTime":4255.99,"body":"I'm kind of thinking yeah, well,"},{"speaker":"Nick Lincoln","startTime":4255.99,"endTime":4258.87,"body":"that's that's got to be right."},{"speaker":"Nick Lincoln","startTime":4255.99,"endTime":4258.87,"body":"And so, and I don't think any I"},{"speaker":"Nick Lincoln","startTime":4258.87,"endTime":4262.2,"body":"mean that using the loom video,"},{"speaker":"Nick Lincoln","startTime":4258.87,"endTime":4262.2,"body":"and I know you do, Alan, but I"},{"speaker":"Nick Lincoln","startTime":4262.2,"endTime":4265.08,"body":"know that less than 5% of"},{"speaker":"Nick Lincoln","startTime":4262.2,"endTime":4265.08,"body":"advisors use loom creatively or"},{"speaker":"Nick Lincoln","startTime":4265.08,"endTime":4268.08,"body":"in that kind of way, you know,"},{"speaker":"Nick Lincoln","startTime":4265.08,"endTime":4268.08,"body":"but hey, they just want to print"},{"speaker":"Nick Lincoln","startTime":4268.08,"endTime":4273.3,"body":"stuff off and send it out in the"},{"speaker":"Nick Lincoln","startTime":4268.08,"endTime":4273.3,"body":"post. Oh, what can you do? Okay,"},{"speaker":"Nick Lincoln","startTime":4273.3,"endTime":4277.0199999999995,"body":"listen, we're out one minute or"},{"speaker":"Nick Lincoln","startTime":4273.3,"endTime":4277.0199999999995,"body":"so one hour and Nine minutes 70"},{"speaker":"Nick Lincoln","startTime":4277.0199999999995,"endTime":4281.67,"body":"odd minutes in so I think we"},{"speaker":"Nick Lincoln","startTime":4277.0199999999995,"endTime":4281.67,"body":"should get along to the she's"},{"speaker":"Nick Lincoln","startTime":4281.67,"endTime":4284.8499999999995,"body":"always there on time this posted"},{"speaker":"Nick Lincoln","startTime":4281.67,"endTime":4284.8499999999995,"body":"at the door. She has a bulging"},{"speaker":"Nick Lincoln","startTime":4284.8499999999995,"endTime":4287.67,"body":"sack and it's course full of our"},{"speaker":"Nick Lincoln","startTime":4284.8499999999995,"endTime":4287.67,"body":"TRAPPIST questions the questions"},{"speaker":"Nick Lincoln","startTime":4287.67,"endTime":4290.7,"body":"that you dear TRAPPIST audience"},{"speaker":"Nick Lincoln","startTime":4287.67,"endTime":4290.7,"body":"submit you can do that via the"},{"speaker":"Nick Lincoln","startTime":4291.15,"endTime":4294.66,"body":"link in the SoCal show notes or"},{"speaker":"Nick Lincoln","startTime":4291.15,"endTime":4294.66,"body":"go to our Twitter handle at"},{"speaker":"Nick Lincoln","startTime":4294.69,"endTime":4298.92,"body":"advisor, podcast and the pins"},{"speaker":"Nick Lincoln","startTime":4294.69,"endTime":4298.92,"body":"link there. In the pin tweet,"},{"speaker":"Nick Lincoln","startTime":4298.92,"endTime":4301.29,"body":"there's a link there to do so as"},{"speaker":"Nick Lincoln","startTime":4298.92,"endTime":4301.29,"body":"well submit a question. Any"},{"speaker":"Nick Lincoln","startTime":4301.29,"endTime":4304.3499999999995,"body":"question doesn't matter. Give us"},{"speaker":"Nick Lincoln","startTime":4301.29,"endTime":4304.3499999999995,"body":"your name. We will come to you."},{"speaker":"Nick Lincoln","startTime":4304.3499999999995,"endTime":4307.92,"body":"We're getting through them all."},{"speaker":"Nick Lincoln","startTime":4304.3499999999995,"endTime":4307.92,"body":"And let's have a look at what we"},{"speaker":"Nick Lincoln","startTime":4307.92,"endTime":4311.55,"body":"got. today. I'm gonna take quite"},{"speaker":"Nick Lincoln","startTime":4307.92,"endTime":4311.55,"body":"a long, long letter, we struggle"},{"speaker":"Nick Lincoln","startTime":4311.55,"endTime":4314.13,"body":"with the opening for this one."},{"speaker":"Nick Lincoln","startTime":4311.55,"endTime":4314.13,"body":"This chap hasn't or this chap or"},{"speaker":"Nick Lincoln","startTime":4314.13,"endTime":4317.28,"body":"this chap s hasn't given their"},{"speaker":"Nick Lincoln","startTime":4314.13,"endTime":4317.28,"body":"name, for reasons that have"},{"speaker":"Nick Lincoln","startTime":4317.28,"endTime":4319.74,"body":"become clear. Love the show?"},{"speaker":"Nick Lincoln","startTime":4317.28,"endTime":4319.74,"body":"Seriously. It's great. I'm a"},{"speaker":"Nick Lincoln","startTime":4319.74,"endTime":4323.49,"body":"huge fan. Thank you very much."},{"speaker":"Nick Lincoln","startTime":4319.74,"endTime":4323.49,"body":"And I want to remain anonymous"},{"speaker":"Nick Lincoln","startTime":4323.49,"endTime":4325.71,"body":"at the moment please. I'm a"},{"speaker":"Nick Lincoln","startTime":4323.49,"endTime":4325.71,"body":"Chartered Financial Planner has"},{"speaker":"Nick Lincoln","startTime":4325.71,"endTime":4329.07,"body":"been part of a large multi tide"},{"speaker":"Nick Lincoln","startTime":4325.71,"endTime":4329.07,"body":"network not SJP for a long time."},{"speaker":"Nick Lincoln","startTime":4329.64,"endTime":4332.7,"body":"And considering starting my own"},{"speaker":"Nick Lincoln","startTime":4329.64,"endTime":4332.7,"body":"small boutique IFA firm as a one"},{"speaker":"Nick Lincoln","startTime":4332.7,"endTime":4337.95,"body":"person business. Basically, the"},{"speaker":"Nick Lincoln","startTime":4332.7,"endTime":4337.95,"body":"question is, for the various"},{"speaker":"Nick Lincoln","startTime":4337.95,"endTime":4340.74,"body":"outsource parts of your business"},{"speaker":"Nick Lincoln","startTime":4337.95,"endTime":4340.74,"body":"and the Nick, who should I be"},{"speaker":"Nick Lincoln","startTime":4340.74,"endTime":4343.0199999999995,"body":"looking at? And what do I need"},{"speaker":"Nick Lincoln","startTime":4340.74,"endTime":4343.0199999999995,"body":"to do to ensure I've got"},{"speaker":"Nick Lincoln","startTime":4343.0199999999995,"endTime":4345.96,"body":"everything covered software"},{"speaker":"Nick Lincoln","startTime":4343.0199999999995,"endTime":4345.96,"body":"systems services? Anonymous, can"},{"speaker":"Nick Lincoln","startTime":4345.96,"endTime":4348.72,"body":"I just refer you to that? I put"},{"speaker":"Nick Lincoln","startTime":4345.96,"endTime":4348.72,"body":"out a 10 minute loom another"},{"speaker":"Nick Lincoln","startTime":4348.72,"endTime":4351.33,"body":"live video a couple of months"},{"speaker":"Nick Lincoln","startTime":4348.72,"endTime":4351.33,"body":"ago with my tech kind of"},{"speaker":"Nick Lincoln","startTime":4351.33,"endTime":4355.62,"body":"workflow and all the tech I use"},{"speaker":"Nick Lincoln","startTime":4351.33,"endTime":4355.62,"body":"it's it's it's concise, it's"},{"speaker":"Nick Lincoln","startTime":4355.62,"endTime":4358.11,"body":"punchy, it outlines exactly the"},{"speaker":"Nick Lincoln","startTime":4355.62,"endTime":4358.11,"body":"process I use for clients."},{"speaker":"Nick Lincoln","startTime":4358.92,"endTime":4362.46,"body":"During the annual planning"},{"speaker":"Nick Lincoln","startTime":4358.92,"endTime":4362.46,"body":"meeting, cycle, there'll be a"},{"speaker":"Nick Lincoln","startTime":4362.46,"endTime":4364.74,"body":"link to that in the so called"},{"speaker":"Nick Lincoln","startTime":4362.46,"endTime":4364.74,"body":"show notes for compliance. I use"},{"speaker":"Nick Lincoln","startTime":4364.74,"endTime":4368.34,"body":"a firm called the compliance"},{"speaker":"Nick Lincoln","startTime":4364.74,"endTime":4368.34,"body":"department. I've shared I use"},{"speaker":"Nick Lincoln","startTime":4368.34,"endTime":4372.24,"body":"simply because since since 2008,"},{"speaker":"Nick Lincoln","startTime":4368.34,"endTime":4372.24,"body":"but basically they just they"},{"speaker":"Nick Lincoln","startTime":4372.24,"endTime":4375.12,"body":"don't get it they don't get"},{"speaker":"Nick Lincoln","startTime":4372.24,"endTime":4375.12,"body":"small lifestyle financial"},{"speaker":"Nick Lincoln","startTime":4375.12,"endTime":4377.55,"body":"planning businesses, that's for"},{"speaker":"Nick Lincoln","startTime":4375.12,"endTime":4377.55,"body":"sure. So I use the compliance"},{"speaker":"Nick Lincoln","startTime":4377.55,"endTime":4380.25,"body":"department. Andy, do you have"},{"speaker":"Nick Lincoln","startTime":4377.55,"endTime":4380.25,"body":"any tips? Or are we covered that"},{"speaker":"Nick Lincoln","startTime":4380.25,"endTime":4380.64,"body":"question?"},{"speaker":"Unknown","startTime":4380.97,"endTime":4382.68,"body":"Yeah, we've covered"},{"speaker":"Unknown","startTime":4380.97,"endTime":4382.68,"body":"that. All good."},{"speaker":"Alan Smith","startTime":4385.62,"endTime":4388.41,"body":"I would, I would"},{"speaker":"Alan Smith","startTime":4385.62,"endTime":4388.41,"body":"also say, have a look at what"},{"speaker":"Alan Smith","startTime":4388.41,"endTime":4391.3499999999995,"body":"timeline are doing. I know I've"},{"speaker":"Alan Smith","startTime":4388.41,"endTime":4391.3499999999995,"body":"mentioned that a couple of times"},{"speaker":"Alan Smith","startTime":4391.3499999999995,"endTime":4394.7699999999995,"body":"before the there is an end to"},{"speaker":"Alan Smith","startTime":4391.3499999999995,"endTime":4394.7699999999995,"body":"end process now have a timeline."},{"speaker":"Alan Smith","startTime":4396.12,"endTime":4397.5,"body":"Have a look what we're doing. So"},{"speaker":"Alan Smith","startTime":4396.12,"endTime":4397.5,"body":"I'll say"},{"speaker":"Nick Lincoln","startTime":4399.12,"endTime":4400.53,"body":"okay, lovely."},{"speaker":"Nick Lincoln","startTime":4399.12,"endTime":4400.53,"body":"Thank you. Thank you very much"},{"speaker":"Nick Lincoln","startTime":4400.53,"endTime":4403.08,"body":"for your contribution there. And"},{"speaker":"Nick Lincoln","startTime":4400.53,"endTime":4403.08,"body":"the second letter I'm gonna open"},{"speaker":"Nick Lincoln","startTime":4403.08,"endTime":4407.79,"body":"is from a chap called David"},{"speaker":"Nick Lincoln","startTime":4403.08,"endTime":4407.79,"body":"Milne i, m i l. Ne. Hi, guys."},{"speaker":"Nick Lincoln","startTime":4407.79,"endTime":4411.18,"body":"I'm really joining your shows"},{"speaker":"Nick Lincoln","startTime":4407.79,"endTime":4411.18,"body":"including The banter. Question,"},{"speaker":"Nick Lincoln","startTime":4411.18,"endTime":4413.82,"body":"you've covered businesses setup"},{"speaker":"Nick Lincoln","startTime":4411.18,"endTime":4413.82,"body":"whereby there's an advisor"},{"speaker":"Nick Lincoln","startTime":4413.8499999999995,"endTime":4417.12,"body":"supported by a power planner,"},{"speaker":"Nick Lincoln","startTime":4413.8499999999995,"endTime":4417.12,"body":"and administrators and certain"},{"speaker":"Nick Lincoln","startTime":4417.12,"endTime":4420.87,"body":"work tasks throughout the advice"},{"speaker":"Nick Lincoln","startTime":4417.12,"endTime":4420.87,"body":"planning process, obviously, for"},{"speaker":"Nick Lincoln","startTime":4420.87,"endTime":4423.42,"body":"an administrator, and others for"},{"speaker":"Nick Lincoln","startTime":4420.87,"endTime":4423.42,"body":"a power partner and others for"},{"speaker":"Nick Lincoln","startTime":4423.42,"endTime":4425.97,"body":"an advisor. But can you maybe"},{"speaker":"Nick Lincoln","startTime":4423.42,"endTime":4425.97,"body":"give and this is directed more"},{"speaker":"Nick Lincoln","startTime":4425.97,"endTime":4429.66,"body":"to Carl and Anna, I guess, can"},{"speaker":"Nick Lincoln","startTime":4425.97,"endTime":4429.66,"body":"you maybe give some examples on"},{"speaker":"Nick Lincoln","startTime":4429.66,"endTime":4433.8,"body":"where tasks between these roles"},{"speaker":"Nick Lincoln","startTime":4429.66,"endTime":4433.8,"body":"get blurred? And how to avoid"},{"speaker":"Nick Lincoln","startTime":4434.01,"endTime":4438.45,"body":"such crossover? Thank you. So"},{"speaker":"Nick Lincoln","startTime":4434.01,"endTime":4438.45,"body":"basically, clear delineation on"},{"speaker":"Nick Lincoln","startTime":4438.45,"endTime":4441.69,"body":"the delegation. One of you to"},{"speaker":"Nick Lincoln","startTime":4438.45,"endTime":4441.69,"body":"have fun with that."},{"speaker":"Alan Smith","startTime":4443.01,"endTime":4446.67,"body":"I'll just say we'll"},{"speaker":"Alan Smith","startTime":4443.01,"endTime":4446.67,"body":"first a week a job descriptions"},{"speaker":"Alan Smith","startTime":4446.67,"endTime":4449.97,"body":"and task descriptions for each"},{"speaker":"Alan Smith","startTime":4446.67,"endTime":4449.97,"body":"and your right. So this was"},{"speaker":"Alan Smith","startTime":4450.0,"endTime":4452.46,"body":"discussed before under the"},{"speaker":"Alan Smith","startTime":4450.0,"endTime":4452.46,"body":"conversation we had around the"},{"speaker":"Alan Smith","startTime":4452.46,"endTime":4455.7,"body":"pod structure which we operate"},{"speaker":"Alan Smith","startTime":4452.46,"endTime":4455.7,"body":"on. I know Kyle operates on as"},{"speaker":"Alan Smith","startTime":4455.7,"endTime":4459.48,"body":"well. And I think that this is a"},{"speaker":"Alan Smith","startTime":4455.7,"endTime":4459.48,"body":"particular interest. I certainly"},{"speaker":"Alan Smith","startTime":4459.48,"endTime":4463.68,"body":"had individuals follow up me one"},{"speaker":"Alan Smith","startTime":4459.48,"endTime":4463.68,"body":"to one and I've had sort of"},{"speaker":"Alan Smith","startTime":4463.68,"endTime":4465.45,"body":"follow up conversations with"},{"speaker":"Alan Smith","startTime":4463.68,"endTime":4465.45,"body":"them, because I think"},{"speaker":"Alan Smith","startTime":4465.45,"endTime":4467.22,"body":"increasingly people are"},{"speaker":"Alan Smith","startTime":4465.45,"endTime":4467.22,"body":"interested in that as an"},{"speaker":"Alan Smith","startTime":4467.22,"endTime":4470.91,"body":"operating model. But in but"},{"speaker":"Alan Smith","startTime":4467.22,"endTime":4470.91,"body":"they're keen to understand some"},{"speaker":"Alan Smith","startTime":4470.91,"endTime":4475.59,"body":"of the granular details now, I'm"},{"speaker":"Alan Smith","startTime":4470.91,"endTime":4475.59,"body":"going to go back to your point"},{"speaker":"Alan Smith","startTime":4475.59,"endTime":4478.5599999999995,"body":"before Nick about simplicity."},{"speaker":"Alan Smith","startTime":4475.59,"endTime":4478.5599999999995,"body":"You we can sometimes try to"},{"speaker":"Alan Smith","startTime":4478.5599999999995,"endTime":4481.59,"body":"overcomplicate things, it's not"},{"speaker":"Alan Smith","startTime":4478.5599999999995,"endTime":4481.59,"body":"a bad thing, if people do you"},{"speaker":"Alan Smith","startTime":4481.59,"endTime":4484.53,"body":"know from time to time might do"},{"speaker":"Alan Smith","startTime":4481.59,"endTime":4484.53,"body":"someone else's work is not or"},{"speaker":"Alan Smith","startTime":4484.53,"endTime":4487.32,"body":"I'm a power planner, I never do"},{"speaker":"Alan Smith","startTime":4484.53,"endTime":4487.32,"body":"this or I'm an advisor, I"},{"speaker":"Alan Smith","startTime":4487.32,"endTime":4490.32,"body":"shouldn't do that. We should all"},{"speaker":"Alan Smith","startTime":4487.32,"endTime":4490.32,"body":"it should all be quite a quite a"},{"speaker":"Alan Smith","startTime":4490.32,"endTime":4495.48,"body":"fluid experience. However, there"},{"speaker":"Alan Smith","startTime":4490.32,"endTime":4495.48,"body":"are some core activities. So the"},{"speaker":"Alan Smith","startTime":4495.48,"endTime":4497.61,"body":"need, you need to just unpack"},{"speaker":"Alan Smith","startTime":4495.48,"endTime":4497.61,"body":"everything that you would do"},{"speaker":"Alan Smith","startTime":4497.61,"endTime":4500.3099999999995,"body":"from the first moment you see a"},{"speaker":"Alan Smith","startTime":4497.61,"endTime":4500.3099999999995,"body":"potential client all the way"},{"speaker":"Alan Smith","startTime":4500.3099999999995,"endTime":4504.3,"body":"through to annual planning"},{"speaker":"Alan Smith","startTime":4500.3099999999995,"endTime":4504.3,"body":"meetings, and so on, and work"},{"speaker":"Alan Smith","startTime":4504.3,"endTime":4508.29,"body":"out all the specific tasks that"},{"speaker":"Alan Smith","startTime":4504.3,"endTime":4508.29,"body":"are expected to be done and then"},{"speaker":"Alan Smith","startTime":4508.29,"endTime":4512.97,"body":"work out who does what, of"},{"speaker":"Alan Smith","startTime":4508.29,"endTime":4512.97,"body":"course we understand. It"},{"speaker":"Alan Smith","startTime":4512.97,"endTime":4515.37,"body":"shouldn't be really a"},{"speaker":"Alan Smith","startTime":4512.97,"endTime":4515.37,"body":"hierarchical structure, but"},{"speaker":"Alan Smith","startTime":4515.37,"endTime":4519.0599999999995,"body":"administrators in our experience"},{"speaker":"Alan Smith","startTime":4515.37,"endTime":4519.0599999999995,"body":"are less experienced less"},{"speaker":"Alan Smith","startTime":4519.0599999999995,"endTime":4524.04,"body":"qualified. Our paraplanners"},{"speaker":"Alan Smith","startTime":4519.0599999999995,"endTime":4524.04,"body":"which we call associates are"},{"speaker":"Alan Smith","startTime":4524.19,"endTime":4527.67,"body":"chartered financial planner"},{"speaker":"Alan Smith","startTime":4524.19,"endTime":4527.67,"body":"level, their level six, they are"},{"speaker":"Alan Smith","startTime":4527.67,"endTime":4530.67,"body":"more experienced, they are more"},{"speaker":"Alan Smith","startTime":4527.67,"endTime":4530.67,"body":"technically competent on"},{"speaker":"Alan Smith","startTime":4530.67,"endTime":4534.9,"body":"average. And so they tend to do"},{"speaker":"Alan Smith","startTime":4530.67,"endTime":4534.9,"body":"more complex work. Our"},{"speaker":"Alan Smith","startTime":4534.9,"endTime":4538.92,"body":"associates slash paraplanners"},{"speaker":"Alan Smith","startTime":4534.9,"endTime":4538.92,"body":"are usually if not always in"},{"speaker":"Alan Smith","startTime":4538.92,"endTime":4542.34,"body":"client meetings, which is a"},{"speaker":"Alan Smith","startTime":4538.92,"endTime":4542.34,"body":"slightly different thing. So the"},{"speaker":"Alan Smith","startTime":4542.34,"endTime":4544.86,"body":"power planner role is like a"},{"speaker":"Alan Smith","startTime":4542.34,"endTime":4544.86,"body":"quasi advisor role. The power"},{"speaker":"Alan Smith","startTime":4544.86,"endTime":4547.74,"body":"planner sits in the middle is"},{"speaker":"Alan Smith","startTime":4544.86,"endTime":4547.74,"body":"involved administrative tasks,"},{"speaker":"Alan Smith","startTime":4548.04,"endTime":4550.92,"body":"is accountable and responsible"},{"speaker":"Alan Smith","startTime":4548.04,"endTime":4550.92,"body":"for the work getting done for"},{"speaker":"Alan Smith","startTime":4550.92,"endTime":4553.47,"body":"that pod. And the reviser"},{"speaker":"Alan Smith","startTime":4550.92,"endTime":4553.47,"body":"obviously is leading on the on"},{"speaker":"Alan Smith","startTime":4553.47,"endTime":4557.01,"body":"the in an ideal world the"},{"speaker":"Alan Smith","startTime":4553.47,"endTime":4557.01,"body":"advisor just as the advice going"},{"speaker":"Alan Smith","startTime":4557.01,"endTime":4558.84,"body":"back to what we said at the very"},{"speaker":"Alan Smith","startTime":4557.01,"endTime":4558.84,"body":"beginning, listen to Colin"},{"speaker":"Alan Smith","startTime":4558.84,"endTime":4562.98,"body":"Lawson at equilibrium talking"},{"speaker":"Alan Smith","startTime":4558.84,"endTime":4562.98,"body":"about his team work. They've got"},{"speaker":"Alan Smith","startTime":4563.01,"endTime":4566.7,"body":"9080 or 90 staffing. I think"},{"speaker":"Alan Smith","startTime":4563.01,"endTime":4566.7,"body":"we're at staff and eight"},{"speaker":"Alan Smith","startTime":4566.7,"endTime":4570.48,"body":"advisors, they got 10 to one"},{"speaker":"Alan Smith","startTime":4566.7,"endTime":4570.48,"body":"ratio, for sure their advisors"},{"speaker":"Alan Smith","startTime":4570.48,"endTime":4573.5999999999995,"body":"are only seeing clients do"},{"speaker":"Alan Smith","startTime":4570.48,"endTime":4573.5999999999995,"body":"nothing else. That's great."},{"speaker":"Alan Smith","startTime":4573.5999999999995,"endTime":4576.0,"body":"That's taking it to some extreme"},{"speaker":"Alan Smith","startTime":4573.5999999999995,"endTime":4576.0,"body":"much more than we're doing at"},{"speaker":"Alan Smith","startTime":4576.0,"endTime":4579.15,"body":"them. wins. But I think that the"},{"speaker":"Alan Smith","startTime":4576.0,"endTime":4579.15,"body":"the answer to the story is"},{"speaker":"Alan Smith","startTime":4579.15,"endTime":4582.12,"body":"worker, everything needs to be"},{"speaker":"Alan Smith","startTime":4579.15,"endTime":4582.12,"body":"done. And from a commercial"},{"speaker":"Alan Smith","startTime":4582.15,"endTime":4585.3,"body":"profitable viewpoint, you want"},{"speaker":"Alan Smith","startTime":4582.15,"endTime":4585.3,"body":"to delegate to the person that"},{"speaker":"Alan Smith","startTime":4585.3,"endTime":4589.47,"body":"can do the job to the level of"},{"speaker":"Alan Smith","startTime":4585.3,"endTime":4589.47,"body":"competence and satisfaction for"},{"speaker":"Alan Smith","startTime":4589.47,"endTime":4591.87,"body":"the client and for the business."},{"speaker":"Alan Smith","startTime":4589.47,"endTime":4591.87,"body":"And if that is an administrator,"},{"speaker":"Alan Smith","startTime":4592.05,"endTime":4594.87,"body":"paraplanner or an advisor,"},{"speaker":"Alan Smith","startTime":4592.05,"endTime":4594.87,"body":"that's how you get it done. But"},{"speaker":"Alan Smith","startTime":4594.87,"endTime":4597.51,"body":"it doesn't matter if there's a"},{"speaker":"Alan Smith","startTime":4594.87,"endTime":4597.51,"body":"bit of crossover along along the"},{"speaker":"Alan Smith","startTime":4597.51,"endTime":4600.0,"body":"way, it's good to everyone"},{"speaker":"Alan Smith","startTime":4597.51,"endTime":4600.0,"body":"learns each other's roles and"},{"speaker":"Alan Smith","startTime":4600.0,"endTime":4601.83,"body":"responsibilities. Okay, Carl, do"},{"speaker":"Nick Lincoln","startTime":4601.83,"endTime":4602.67,"body":"you have anything"},{"speaker":"Nick Lincoln","startTime":4601.83,"endTime":4602.67,"body":"to add? Sir?"},{"speaker":"Carl Widger","startTime":4603.45,"endTime":4605.8499999999995,"body":"I that was very"},{"speaker":"Carl Widger","startTime":4603.45,"endTime":4605.8499999999995,"body":"comprehensive, I would say the"},{"speaker":"Carl Widger","startTime":4605.91,"endTime":4610.47,"body":"best we had a little bit of"},{"speaker":"Carl Widger","startTime":4605.91,"endTime":4610.47,"body":"this. So the the best way of"},{"speaker":"Carl Widger","startTime":4610.47,"endTime":4614.64,"body":"getting around kind of crossover"},{"speaker":"Carl Widger","startTime":4610.47,"endTime":4614.64,"body":"are people doubling up on work"},{"speaker":"Carl Widger","startTime":4614.67,"endTime":4618.2699999999995,"body":"is what does a pod meeting every"},{"speaker":"Carl Widger","startTime":4614.67,"endTime":4618.2699999999995,"body":"single week that's led by the"},{"speaker":"Carl Widger","startTime":4618.2699999999995,"endTime":4625.11,"body":"advisor, but in advance of that,"},{"speaker":"Carl Widger","startTime":4618.2699999999995,"endTime":4625.11,"body":"the, to use his words, para"},{"speaker":"Carl Widger","startTime":4625.11,"endTime":4630.09,"body":"planner and administrator have a"},{"speaker":"Carl Widger","startTime":4625.11,"endTime":4630.09,"body":"meeting prior to that. So my pod"},{"speaker":"Carl Widger","startTime":4630.09,"endTime":4632.4,"body":"meeting was this morning,"},{"speaker":"Carl Widger","startTime":4630.09,"endTime":4632.4,"body":"actually at half, nine Monday"},{"speaker":"Carl Widger","startTime":4632.4,"endTime":4637.74,"body":"morning. And the the guys would"},{"speaker":"Carl Widger","startTime":4632.4,"endTime":4637.74,"body":"have had a pre meeting on"},{"speaker":"Carl Widger","startTime":4637.74,"endTime":4641.07,"body":"Friday. Like these aren't long"},{"speaker":"Carl Widger","startTime":4637.74,"endTime":4641.07,"body":"meetings there. It's not we"},{"speaker":"Carl Widger","startTime":4641.07,"endTime":4643.95,"body":"don't have to talk about 400"},{"speaker":"Carl Widger","startTime":4641.07,"endTime":4643.95,"body":"cases like these are our meeting"},{"speaker":"Carl Widger","startTime":4643.95,"endTime":4646.71,"body":"this morning was 20 minutes. And"},{"speaker":"Carl Widger","startTime":4643.95,"endTime":4646.71,"body":"I don't know how long the"},{"speaker":"Carl Widger","startTime":4646.71,"endTime":4649.59,"body":"meeting on Friday was. But I"},{"speaker":"Carl Widger","startTime":4646.71,"endTime":4649.59,"body":"guess it's just to make sure"},{"speaker":"Carl Widger","startTime":4649.59,"endTime":4651.9,"body":"that everybody knows exactly"},{"speaker":"Carl Widger","startTime":4649.59,"endTime":4651.9,"body":"what's happening with every"},{"speaker":"Carl Widger","startTime":4651.9,"endTime":4655.2,"body":"single case, right? But it's"},{"speaker":"Carl Widger","startTime":4651.9,"endTime":4655.2,"body":"like you do not yet okay. And"},{"speaker":"Carl Widger","startTime":4655.2,"endTime":4657.24,"body":"it's like tick, tick, tick,"},{"speaker":"Carl Widger","startTime":4655.2,"endTime":4657.24,"body":"tick. And then they just bring"},{"speaker":"Carl Widger","startTime":4657.24,"endTime":4660.69,"body":"me through who needs to watch."},{"speaker":"Carl Widger","startTime":4657.24,"endTime":4660.69,"body":"And if I need to come in on one"},{"speaker":"Carl Widger","startTime":4660.69,"endTime":4664.62,"body":"or two cases, which is all it"},{"speaker":"Carl Widger","startTime":4660.69,"endTime":4664.62,"body":"normally is, then I'm updated on"},{"speaker":"Carl Widger","startTime":4664.62,"endTime":4668.91,"body":"that. I'm tasked to do it. And"},{"speaker":"Carl Widger","startTime":4664.62,"endTime":4668.91,"body":"everyone knows what they're"},{"speaker":"Carl Widger","startTime":4668.91,"endTime":4670.74,"body":"doing. But yeah, I agree with"},{"speaker":"Carl Widger","startTime":4668.91,"endTime":4670.74,"body":"everything."},{"speaker":"Nick Lincoln","startTime":4671.94,"endTime":4675.2699999999995,"body":"Okay, I think"},{"speaker":"Nick Lincoln","startTime":4671.94,"endTime":4675.2699999999995,"body":"we'll draw a line under that if"},{"speaker":"Nick Lincoln","startTime":4675.2699999999995,"endTime":4677.8499999999995,"body":"that's okay. Again, just"},{"speaker":"Nick Lincoln","startTime":4675.2699999999995,"endTime":4677.8499999999995,"body":"conscious of the time. So let's"},{"speaker":"Nick Lincoln","startTime":4677.8499999999995,"endTime":4680.76,"body":"without any further ado, let's"},{"speaker":"Nick Lincoln","startTime":4677.8499999999995,"endTime":4680.76,"body":"move on to what many people call"},{"speaker":"Nick Lincoln","startTime":4680.76,"endTime":4687.72,"body":"culture corner. Mr. Smith will"},{"speaker":"Nick Lincoln","startTime":4680.76,"endTime":4687.72,"body":"fire off with you. You've got a"},{"speaker":"Nick Lincoln","startTime":4687.72,"endTime":4689.64,"body":"book by Alex Hall. Mozi."},{"speaker":"Alan Smith","startTime":4690.84,"endTime":4693.24,"body":"Yes, this is just"},{"speaker":"Alan Smith","startTime":4690.84,"endTime":4693.24,"body":"following on from I think it was"},{"speaker":"Alan Smith","startTime":4693.24,"endTime":4697.23,"body":"Andy who mentioned last episode"},{"speaker":"Alan Smith","startTime":4693.24,"endTime":4697.23,"body":"that one before this guy just"},{"speaker":"Alan Smith","startTime":4697.23,"endTime":4699.69,"body":"appeared on my radar, all of a"},{"speaker":"Alan Smith","startTime":4697.23,"endTime":4699.69,"body":"sudden I see him everywhere now."},{"speaker":"Alan Smith","startTime":4700.08,"endTime":4704.88,"body":"Alex Mozi. He was on the modern"},{"speaker":"Alan Smith","startTime":4700.08,"endTime":4704.88,"body":"wisdom podcasts. I think it's"},{"speaker":"Alan Smith","startTime":4704.88,"endTime":4707.0999999999995,"body":"been a couple of others as well"},{"speaker":"Alan Smith","startTime":4704.88,"endTime":4707.0999999999995,"body":"recently. And I didn't I didn't"},{"speaker":"Alan Smith","startTime":4707.0999999999995,"endTime":4710.61,"body":"I like like how he talks like"},{"speaker":"Alan Smith","startTime":4707.0999999999995,"endTime":4710.61,"body":"his language and what he says"},{"speaker":"Alan Smith","startTime":4710.61,"endTime":4713.94,"body":"and he said, huge amounts. He's"},{"speaker":"Alan Smith","startTime":4710.61,"endTime":4713.94,"body":"got about 35 years old, huge"},{"speaker":"Alan Smith","startTime":4713.94,"endTime":4718.3499999999995,"body":"amounts of success, personally"},{"speaker":"Alan Smith","startTime":4713.94,"endTime":4718.3499999999995,"body":"and professionally in his line"},{"speaker":"Alan Smith","startTime":4718.3499999999995,"endTime":4722.64,"body":"of work, and he's now yeah, he's"},{"speaker":"Alan Smith","startTime":4718.3499999999995,"endTime":4722.64,"body":"written a book, where he's got a"},{"speaker":"Alan Smith","startTime":4722.64,"endTime":4724.47,"body":"new book coming out. But the"},{"speaker":"Alan Smith","startTime":4722.64,"endTime":4724.47,"body":"current one, which has been out"},{"speaker":"Alan Smith","startTime":4724.47,"endTime":4727.23,"body":"for a little while is called"},{"speaker":"Alan Smith","startTime":4724.47,"endTime":4727.23,"body":"$100 million offers 100 million"},{"speaker":"Alan Smith","startTime":4727.26,"endTime":4729.63,"body":"offers 100 million dollar"},{"speaker":"Alan Smith","startTime":4727.26,"endTime":4729.63,"body":"offers, as you'd see,"},{"speaker":"Alan Smith","startTime":4729.96,"endTime":4732.93,"body":"interestingly, the beginning as"},{"speaker":"Alan Smith","startTime":4729.96,"endTime":4732.93,"body":"a cold is called $100 million."},{"speaker":"Alan Smith","startTime":4733.26,"endTime":4734.8499999999995,"body":"Because it's got I'm just"},{"speaker":"Alan Smith","startTime":4733.26,"endTime":4734.8499999999995,"body":"thinking my mind is the dollar"},{"speaker":"Alan Smith","startTime":4734.8499999999995,"endTime":4737.49,"body":"sign. So it's not said 100"},{"speaker":"Alan Smith","startTime":4734.8499999999995,"endTime":4737.49,"body":"million offers that sounds like"},{"speaker":"Alan Smith","startTime":4737.49,"endTime":4740.46,"body":"you've got 100 You know, there's"},{"speaker":"Alan Smith","startTime":4737.49,"endTime":4740.46,"body":"a monetary thing right you got"},{"speaker":"Alan Smith","startTime":4740.46,"endTime":4744.12,"body":"the onion. Interestingly, and I"},{"speaker":"Alan Smith","startTime":4740.46,"endTime":4744.12,"body":"go this is a quick sidebar is"},{"speaker":"Alan Smith","startTime":4744.12,"endTime":4745.65,"body":"that he says at the very"},{"speaker":"Alan Smith","startTime":4744.12,"endTime":4745.65,"body":"beginning of the book, he"},{"speaker":"Alan Smith","startTime":4745.65,"endTime":4748.62,"body":"prices, his all his content,"},{"speaker":"Alan Smith","startTime":4745.65,"endTime":4748.62,"body":"books, everything else at the"},{"speaker":"Alan Smith","startTime":4748.62,"endTime":4751.83,"body":"lowest possible price that the"},{"speaker":"Alan Smith","startTime":4748.62,"endTime":4751.83,"body":"platform through which you buy,"},{"speaker":"Alan Smith","startTime":4751.83,"endTime":4756.39,"body":"it will accept, in Amazon's"},{"speaker":"Alan Smith","startTime":4751.83,"endTime":4756.39,"body":"cases 99 cents or 99 Pence, he"},{"speaker":"Alan Smith","startTime":4756.39,"endTime":4759.69,"body":"says I would really encourage"},{"speaker":"Alan Smith","startTime":4756.39,"endTime":4759.69,"body":"you to buy this on audiobook as"},{"speaker":"Alan Smith","startTime":4759.69,"endTime":4762.0,"body":"well as the, you know, the"},{"speaker":"Alan Smith","startTime":4759.69,"endTime":4762.0,"body":"written book or the Kindle book,"},{"speaker":"Alan Smith","startTime":4762.0,"endTime":4764.7,"body":"because the brain takes in"},{"speaker":"Alan Smith","startTime":4762.0,"endTime":4764.7,"body":"things in different ways. And it"},{"speaker":"Alan Smith","startTime":4764.7,"endTime":4767.37,"body":"will, you know, the information"},{"speaker":"Alan Smith","startTime":4764.7,"endTime":4767.37,"body":"will seep into your brain far"},{"speaker":"Alan Smith","startTime":4767.37,"endTime":4770.28,"body":"better. And they said I'm not"},{"speaker":"Alan Smith","startTime":4767.37,"endTime":4770.28,"body":"doing this to make another 99"},{"speaker":"Alan Smith","startTime":4770.28,"endTime":4773.07,"body":"cents I do it for free. But the"},{"speaker":"Alan Smith","startTime":4770.28,"endTime":4773.07,"body":"platform won't allow me to do"},{"speaker":"Alan Smith","startTime":4773.07,"endTime":4775.44,"body":"which is quite interesting,"},{"speaker":"Alan Smith","startTime":4773.07,"endTime":4775.44,"body":"which is perhaps price subject"},{"speaker":"Alan Smith","startTime":4775.44,"endTime":4778.92,"body":"for another time because you"},{"speaker":"Alan Smith","startTime":4775.44,"endTime":4778.92,"body":"guys are big into audible. Well,"},{"speaker":"Alan Smith","startTime":4778.92,"endTime":4782.07,"body":"that's another big and I usually"},{"speaker":"Alan Smith","startTime":4778.92,"endTime":4782.07,"body":"just read books usually written"},{"speaker":"Alan Smith","startTime":4782.07,"endTime":4785.16,"body":"digitally anyway, it I think"},{"speaker":"Alan Smith","startTime":4782.07,"endTime":4785.16,"body":"it's a fantastic book and"},{"speaker":"Alan Smith","startTime":4785.16,"endTime":4788.58,"body":"there's so many applications to"},{"speaker":"Alan Smith","startTime":4785.16,"endTime":4788.58,"body":"our work because he talks about"},{"speaker":"Alan Smith","startTime":4789.0,"endTime":4791.58,"body":"the comp you know, making offers"},{"speaker":"Alan Smith","startTime":4789.0,"endTime":4791.58,"body":"to your you know, your clients"},{"speaker":"Alan Smith","startTime":4791.58,"endTime":4794.46,"body":"or prospective clients a"},{"speaker":"Alan Smith","startTime":4791.58,"endTime":4794.46,"body":"combination of pricing and, and"},{"speaker":"Alan Smith","startTime":4794.46,"endTime":4798.0,"body":"how you pitch for value and the"},{"speaker":"Alan Smith","startTime":4794.46,"endTime":4798.0,"body":"use of guarantees and naming"},{"speaker":"Alan Smith","startTime":4798.0,"endTime":4801.93,"body":"your products and services. Lots"},{"speaker":"Alan Smith","startTime":4798.0,"endTime":4801.93,"body":"of practical ideas, tips and"},{"speaker":"Alan Smith","startTime":4801.93,"endTime":4804.87,"body":"hints that would apply to many"},{"speaker":"Alan Smith","startTime":4801.93,"endTime":4804.87,"body":"people listening to this. So,"},{"speaker":"Alan Smith","startTime":4805.2,"endTime":4808.62,"body":"big shout I would recommend Alex"},{"speaker":"Alan Smith","startTime":4805.2,"endTime":4808.62,"body":"Horne Mozi and his book,"},{"speaker":"Alan Smith","startTime":4808.7699999999995,"endTime":4809.67,"body":"whatever it's called."},{"speaker":"Nick Lincoln","startTime":4810.21,"endTime":4813.5999999999995,"body":"Okay. Thank you"},{"speaker":"Nick Lincoln","startTime":4810.21,"endTime":4813.5999999999995,"body":"very much, Alan. Mr. Hart, the"},{"speaker":"Nick Lincoln","startTime":4813.5999999999995,"endTime":4815.8499999999995,"body":"podcast the Bank of day fighting"},{"speaker":"Nick Lincoln","startTime":4813.5999999999995,"endTime":4815.8499999999995,"body":"against the elite."},{"speaker":"Andy Hart","startTime":4816.72,"endTime":4819.36,"body":"Yeah, so the first"},{"speaker":"Andy Hart","startTime":4816.72,"endTime":4819.36,"body":"recommendation is a podcast on"},{"speaker":"Andy Hart","startTime":4819.36,"endTime":4821.73,"body":"the James English show. You can"},{"speaker":"Andy Hart","startTime":4819.36,"endTime":4821.73,"body":"listen to it on your podcast"},{"speaker":"Andy Hart","startTime":4821.73,"endTime":4826.23,"body":"platform or YouTube. This is the"},{"speaker":"Andy Hart","startTime":4821.73,"endTime":4826.23,"body":"guy that's famous for Bank of"},{"speaker":"Andy Hart","startTime":4826.23,"endTime":4830.76,"body":"Dave, from Barnsley, very"},{"speaker":"Andy Hart","startTime":4826.23,"endTime":4830.76,"body":"straight talking northerner,"},{"speaker":"Andy Hart","startTime":4831.51,"endTime":4835.74,"body":"he's got some great sort of"},{"speaker":"Andy Hart","startTime":4831.51,"endTime":4835.74,"body":"inspirational story really. He's"},{"speaker":"Andy Hart","startTime":4835.74,"endTime":4838.53,"body":"tried to open up a bank and he's"},{"speaker":"Andy Hart","startTime":4835.74,"endTime":4838.53,"body":"fighting against the elites. I"},{"speaker":"Andy Hart","startTime":4838.53,"endTime":4843.45,"body":"think it's a net chew a net"},{"speaker":"Andy Hart","startTime":4838.53,"endTime":4843.45,"body":"tube, a Netflix film that you"},{"speaker":"Andy Hart","startTime":4843.84,"endTime":4847.86,"body":"have your rescue flakes, you're"},{"speaker":"Andy Hart","startTime":4843.84,"endTime":4847.86,"body":"rubbing off on me. It's a"},{"speaker":"Andy Hart","startTime":4847.86,"endTime":4849.96,"body":"Netflix film that's come out. I"},{"speaker":"Andy Hart","startTime":4847.86,"endTime":4849.96,"body":"don't know what the name of the"},{"speaker":"Andy Hart","startTime":4849.96,"endTime":4852.96,"body":"film is called. But do you"},{"speaker":"Andy Hart","startTime":4849.96,"endTime":4852.96,"body":"search? It comes up it's sort of"},{"speaker":"Andy Hart","startTime":4852.96,"endTime":4853.89,"body":"feel good. It's called"},{"speaker":"Alan Smith","startTime":4853.89,"endTime":4858.54,"body":"but it's called bank"},{"speaker":"Alan Smith","startTime":4853.89,"endTime":4858.54,"body":"of Dave. That's okay. It's what"},{"speaker":"Alan Smith","startTime":4858.54,"endTime":4860.82,"body":"it's called. And it's good. It's"},{"speaker":"Alan Smith","startTime":4858.54,"endTime":4860.82,"body":"quite good. All right, this"},{"speaker":"Nick Lincoln","startTime":4860.82,"endTime":4862.59,"body":"family film,"},{"speaker":"Nick Lincoln","startTime":4860.82,"endTime":4862.59,"body":"purse. I"},{"speaker":"Andy Hart","startTime":4862.59,"endTime":4865.11,"body":"can absolute"},{"speaker":"Andy Hart","startTime":4862.59,"endTime":4865.11,"body":"shambles. Absolutely, I was"},{"speaker":"Andy Hart","startTime":4865.14,"endTime":4866.73,"body":"okay, so that's my first"},{"speaker":"Andy Hart","startTime":4865.14,"endTime":4866.73,"body":"recommendation. My second"},{"speaker":"Andy Hart","startTime":4866.73,"endTime":4869.28,"body":"recommendation is an awesome"},{"speaker":"Andy Hart","startTime":4866.73,"endTime":4869.28,"body":"book that I recommend everybody"},{"speaker":"Andy Hart","startTime":4869.28,"endTime":4872.46,"body":"reads immediately. It's called"},{"speaker":"Andy Hart","startTime":4869.28,"endTime":4872.46,"body":"How to Invest by David"},{"speaker":"Andy Hart","startTime":4872.46,"endTime":4876.33,"body":"Rubenstein. I love these books"},{"speaker":"Andy Hart","startTime":4872.46,"endTime":4876.33,"body":"that speak to successful All"},{"speaker":"Andy Hart","startTime":4876.33,"endTime":4879.99,"body":"famous multi decade investors."},{"speaker":"Andy Hart","startTime":4876.33,"endTime":4879.99,"body":"He speaks to people like Ray"},{"speaker":"Andy Hart","startTime":4879.99,"endTime":4886.89,"body":"Dalio, Marc Andreessen, Sam Z or"},{"speaker":"Andy Hart","startTime":4879.99,"endTime":4886.89,"body":"Larry Fink, Seth Klarman to name"},{"speaker":"Andy Hart","startTime":4886.89,"endTime":4891.54,"body":"a few. It's different chapters,"},{"speaker":"Andy Hart","startTime":4886.89,"endTime":4891.54,"body":"it's, I recommend listen to on"},{"speaker":"Andy Hart","startTime":4891.54,"endTime":4895.47,"body":"Audible, because it's interviews"},{"speaker":"Andy Hart","startTime":4891.54,"endTime":4895.47,"body":"from David Rubenstein, who's a"},{"speaker":"Andy Hart","startTime":4895.47,"endTime":4898.38,"body":"famous sort of private equity"},{"speaker":"Andy Hart","startTime":4895.47,"endTime":4898.38,"body":"investor with the Carlyle Group."},{"speaker":"Andy Hart","startTime":4898.38,"endTime":4901.29,"body":"So he's a he's a wealthy"},{"speaker":"Andy Hart","startTime":4898.38,"endTime":4901.29,"body":"billionaire himself, and he"},{"speaker":"Andy Hart","startTime":4901.29,"endTime":4905.4,"body":"interviews lots of famous"},{"speaker":"Andy Hart","startTime":4901.29,"endTime":4905.4,"body":"investors. It's a sort of, yeah,"},{"speaker":"Andy Hart","startTime":4906.2699999999995,"endTime":4908.64,"body":"a journey through all the"},{"speaker":"Andy Hart","startTime":4906.2699999999995,"endTime":4908.64,"body":"different types of ways to make"},{"speaker":"Andy Hart","startTime":4908.64,"endTime":4912.36,"body":"money in the investing world. I"},{"speaker":"Andy Hart","startTime":4908.64,"endTime":4912.36,"body":"recommend definitely checking"},{"speaker":"Andy Hart","startTime":4912.36,"endTime":4915.09,"body":"out this book and don't read it"},{"speaker":"Andy Hart","startTime":4912.36,"endTime":4915.09,"body":"what listen to it on Audible if"},{"speaker":"Andy Hart","startTime":4915.09,"endTime":4920.16,"body":"that's your favorite platform."},{"speaker":"Andy Hart","startTime":4915.09,"endTime":4920.16,"body":"Next. Oh,"},{"speaker":"Nick Lincoln","startTime":4920.49,"endTime":4921.96,"body":"Kay, thank you."},{"speaker":"Nick Lincoln","startTime":4920.49,"endTime":4921.96,"body":"You've got a thing on there"},{"speaker":"Nick Lincoln","startTime":4921.96,"endTime":4924.45,"body":"about dumbbells Andy but should"},{"speaker":"Nick Lincoln","startTime":4921.96,"endTime":4924.45,"body":"we just for the purposes of"},{"speaker":"Nick Lincoln","startTime":4924.45,"endTime":4926.3099999999995,"body":"brevity and should we just skip"},{"speaker":"Nick Lincoln","startTime":4924.45,"endTime":4926.3099999999995,"body":"over"},{"speaker":"Andy Hart","startTime":4926.3099999999995,"endTime":4928.83,"body":"talking about that"},{"speaker":"Andy Hart","startTime":4926.3099999999995,"endTime":4928.83,"body":"next time trap 90 Okay."},{"speaker":"Nick Lincoln","startTime":4929.76,"endTime":4932.97,"body":"Talk about it next"},{"speaker":"Nick Lincoln","startTime":4929.76,"endTime":4932.97,"body":"time yeah, maybe not Mr. Widget"},{"speaker":"Nick Lincoln","startTime":4933.0,"endTime":4937.71,"body":"the all in product we love the"},{"speaker":"Nick Lincoln","startTime":4933.0,"endTime":4937.71,"body":"all important I mean the way we"},{"speaker":"Nick Lincoln","startTime":4937.71,"endTime":4940.83,"body":"inspire the all important that"},{"speaker":"Nick Lincoln","startTime":4937.71,"endTime":4940.83,"body":"they're copying our format go"},{"speaker":"Nick Lincoln","startTime":4940.83,"endTime":4941.28,"body":"ahead call"},{"speaker":"Carl Widger","startTime":4941.97,"endTime":4945.3,"body":"all in pod is all"},{"speaker":"Carl Widger","startTime":4941.97,"endTime":4945.3,"body":"about this. Well, not all of it."},{"speaker":"Carl Widger","startTime":4945.39,"endTime":4950.4,"body":"A lot of it is devoted to the"},{"speaker":"Carl Widger","startTime":4945.39,"endTime":4950.4,"body":"Space X launch. Go listen to it."},{"speaker":"Carl Widger","startTime":4950.4,"endTime":4951.2699999999995,"body":"It's absolutely brilliant."},{"speaker":"Nick Lincoln","startTime":4951.93,"endTime":4954.51,"body":"Yeah, okay,"},{"speaker":"Nick Lincoln","startTime":4951.93,"endTime":4954.51,"body":"obviously. Well, we'll set it is"},{"speaker":"Nick Lincoln","startTime":4954.51,"endTime":4957.9,"body":"good it's it's sometimes someone"},{"speaker":"Nick Lincoln","startTime":4954.51,"endTime":4957.9,"body":"presses a button that's that's a"},{"speaker":"Nick Lincoln","startTime":4957.9,"endTime":4961.29,"body":"cracker. As you guys never said"},{"speaker":"Nick Lincoln","startTime":4957.9,"endTime":4961.29,"body":"because we don't do stereotypes"},{"speaker":"Nick Lincoln","startTime":4961.29,"endTime":4964.59,"body":"on this show. Thank you. Now"},{"speaker":"Nick Lincoln","startTime":4961.29,"endTime":4964.59,"body":"that one right I think we're"},{"speaker":"Nick Lincoln","startTime":4964.59,"endTime":4966.78,"body":"near the end Don't you? I think"},{"speaker":"Nick Lincoln","startTime":4964.59,"endTime":4966.78,"body":"we've done an hour and 21"},{"speaker":"Nick Lincoln","startTime":4966.78,"endTime":4970.38,"body":"minutes nothing else to add. Are"},{"speaker":"Nick Lincoln","startTime":4966.78,"endTime":4970.38,"body":"we okay with that guys? Okay,"},{"speaker":"Nick Lincoln","startTime":4970.38,"endTime":4972.63,"body":"travellish If that is the case,"},{"speaker":"Nick Lincoln","startTime":4970.38,"endTime":4972.63,"body":"that's a wrap. So thank you for"},{"speaker":"Nick Lincoln","startTime":4972.63,"endTime":4975.18,"body":"your precious time. Come on,"},{"speaker":"Nick Lincoln","startTime":4972.63,"endTime":4975.18,"body":"Addy. Mumble behind me so I had"},{"speaker":"Nick Lincoln","startTime":4975.18,"endTime":4976.2,"body":"to start again what you're"},{"speaker":"Nick Lincoln","startTime":4975.18,"endTime":4976.2,"body":"saying"},{"speaker":"Andy Hart","startTime":4976.44,"endTime":4978.8099999999995,"body":"so can you stand up"},{"speaker":"Andy Hart","startTime":4976.44,"endTime":4978.8099999999995,"body":"for the YouTube viewers to see"},{"speaker":"Andy Hart","startTime":4979.86,"endTime":4982.47,"body":"your your outfit in? Its full"},{"speaker":"Andy Hart","startTime":4979.86,"endTime":4982.47,"body":"glory"},{"speaker":"Alan Smith","startTime":4985.5599999999995,"endTime":4990.42,"body":"come on. Listen to"},{"speaker":"Alan Smith","startTime":4985.5599999999995,"endTime":4990.42,"body":"this please do do do find this"},{"speaker":"Alan Smith","startTime":4990.42,"endTime":4995.49,"body":"on YouTube. Oh my Lord He's"},{"speaker":"Alan Smith","startTime":4990.42,"endTime":4995.49,"body":"dressed up please no put it put"},{"speaker":"Alan Smith","startTime":4995.49,"endTime":4996.0,"body":"it away"},{"speaker":"Andy Hart","startTime":4996.0599999999995,"endTime":4998.13,"body":"this dress like the"},{"speaker":"Andy Hart","startTime":4996.0599999999995,"endTime":4998.13,"body":"Romanian flag today which is"},{"speaker":"Andy Hart","startTime":4998.13,"endTime":5001.7,"body":"very interesting cracking legs"},{"speaker":"Andy Hart","startTime":4998.13,"endTime":5001.7,"body":"cracking pins are the Ukraine"},{"speaker":"Andy Hart","startTime":5001.7,"endTime":5002.39,"body":"Ukrainian"},{"speaker":"Nick Lincoln","startTime":5003.53,"endTime":5003.92,"body":"yeah"},{"speaker":"Alan Smith","startTime":5005.63,"endTime":5007.7,"body":"you wouldn't you"},{"speaker":"Alan Smith","startTime":5005.63,"endTime":5007.7,"body":"wouldn't be allowed in the Ritz"},{"speaker":"Alan Smith","startTime":5007.7,"endTime":5008.99,"body":"Carlton dress like that today."},{"speaker":"Alan Smith","startTime":5007.7,"endTime":5008.99,"body":"I'll"},{"speaker":"Nick Lincoln","startTime":5008.99,"endTime":5011.84,"body":"tell you Jesus"},{"speaker":"Nick Lincoln","startTime":5008.99,"endTime":5011.84,"body":"Christ absolute shampoo half"},{"speaker":"Nick Lincoln","startTime":5011.87,"endTime":5014.15,"body":"your eye Okay, thank you Travis"},{"speaker":"Nick Lincoln","startTime":5011.87,"endTime":5014.15,"body":"for your precious time and your"},{"speaker":"Nick Lincoln","startTime":5014.15,"endTime":5016.76,"body":"input please do rate the show"},{"speaker":"Nick Lincoln","startTime":5014.15,"endTime":5016.76,"body":"leave a six out of five star"},{"speaker":"Nick Lincoln","startTime":5016.76,"endTime":5019.55,"body":"review on iTunes like and"},{"speaker":"Nick Lincoln","startTime":5016.76,"endTime":5019.55,"body":"subscribe to our YouTube channel"},{"speaker":"Nick Lincoln","startTime":5019.55,"endTime":5022.67,"body":"so we can eventually flog"},{"speaker":"Nick Lincoln","startTime":5019.55,"endTime":5022.67,"body":"relentless advertising, actually"},{"speaker":"Nick Lincoln","startTime":5022.67,"endTime":5026.18,"body":"on it. Until the next time from"},{"speaker":"Nick Lincoln","startTime":5022.67,"endTime":5026.18,"body":"the trap pack. It's Eddie OS and"},{"speaker":"Nick Lincoln","startTime":5026.18,"endTime":5028.58,"body":"take care out there folks."},{"speaker":"Nick Lincoln","startTime":5026.18,"endTime":5028.58,"body":"Goodbye. Get the hell out of our"},{"speaker":"Nick Lincoln","startTime":5028.58,"endTime":5030.44,"body":"computers. Bye"}]}