{"version":"1.0.0","segments":[{"speaker":"Unknown","startTime":7.74,"endTime":12.75,"body":"Welcome to The Real"},{"speaker":"Unknown","startTime":7.74,"endTime":12.75,"body":"advisor podcast, t r a p twerp"},{"speaker":"Unknown","startTime":13.14,"endTime":16.38,"body":"please follow us and join in the"},{"speaker":"Unknown","startTime":13.14,"endTime":16.38,"body":"conversation on Twitter at"},{"speaker":"Unknown","startTime":16.38,"endTime":20.1,"body":"advisor podcast where you can"},{"speaker":"Unknown","startTime":16.38,"endTime":20.1,"body":"suggest ideas and themes you'd"},{"speaker":"Unknown","startTime":20.1,"endTime":23.55,"body":"like the truck team to discuss."},{"speaker":"Unknown","startTime":20.1,"endTime":23.55,"body":"Also remember to like and"},{"speaker":"Unknown","startTime":23.55,"endTime":27.21,"body":"subscribe to our YouTube channel"},{"speaker":"Unknown","startTime":23.55,"endTime":27.21,"body":"and leave a six out of five star"},{"speaker":"Unknown","startTime":27.21,"endTime":31.17,"body":"review on iTunes. Doing all this"},{"speaker":"Unknown","startTime":27.21,"endTime":31.17,"body":"really really helps us which"},{"speaker":"Unknown","startTime":31.17,"endTime":34.65,"body":"means we can do more to help you"},{"speaker":"Unknown","startTime":31.17,"endTime":34.65,"body":"now let's head over to the"},{"speaker":"Unknown","startTime":34.65,"endTime":36.96,"body":"studio for the latest pilot"},{"speaker":"Unknown","startTime":34.65,"endTime":36.96,"body":"track"},{"speaker":"Nick Lincoln","startTime":42.42,"endTime":44.82,"body":"yes indeed dear"},{"speaker":"Nick Lincoln","startTime":42.42,"endTime":44.82,"body":"Travis, welcome back to what"},{"speaker":"Nick Lincoln","startTime":44.82,"endTime":48.39,"body":"many people are calling episode"},{"speaker":"Nick Lincoln","startTime":44.82,"endTime":48.39,"body":"34 of the real advisor podcast"},{"speaker":"Nick Lincoln","startTime":48.39,"endTime":51.96,"body":"to our eight P trap my name is"},{"speaker":"Nick Lincoln","startTime":48.39,"endTime":51.96,"body":"Lincoln Lincoln and joining me"},{"speaker":"Nick Lincoln","startTime":51.96,"endTime":55.89,"body":"as ever are the three other"},{"speaker":"Nick Lincoln","startTime":51.96,"endTime":55.89,"body":"horsemen of the apocalypse call"},{"speaker":"Nick Lincoln","startTime":55.89,"endTime":61.35,"body":"the voice switch and the ultra"},{"speaker":"Nick Lincoln","startTime":55.89,"endTime":61.35,"body":"heart and Alan the storyteller"},{"speaker":"Nick Lincoln","startTime":61.35,"endTime":65.07,"body":"Smith Now gentlemen We have a"},{"speaker":"Nick Lincoln","startTime":61.35,"endTime":65.07,"body":"show packed full about salutely"},{"speaker":"Nick Lincoln","startTime":65.07,"endTime":67.53,"body":"Nothing so let's start unpacking"},{"speaker":"Nick Lincoln","startTime":65.07,"endTime":67.53,"body":"it straightaway with some high"},{"speaker":"Nick Lincoln","startTime":67.53,"endTime":70.89,"body":"energy High Energy Reviews read"},{"speaker":"Nick Lincoln","startTime":67.53,"endTime":70.89,"body":"by my good friend, Mr. Andrew"},{"speaker":"Nick Lincoln","startTime":70.89,"endTime":75.03,"body":"Hart already talking over me and"},{"speaker":"Nick Lincoln","startTime":70.89,"endTime":75.03,"body":"where will it be now? Yeah, 13"},{"speaker":"Nick Lincoln","startTime":75.03,"endTime":75.78,"body":"seconds in brilliant"},{"speaker":"Andy Hart","startTime":75.78,"endTime":80.58,"body":"crack. Or why change"},{"speaker":"Andy Hart","startTime":75.78,"endTime":80.58,"body":"Why change a good old habit? So"},{"speaker":"Andy Hart","startTime":80.58,"endTime":83.79,"body":"the first review is from Marcus"},{"speaker":"Andy Hart","startTime":80.58,"endTime":83.79,"body":"australia i blues from Australia"},{"speaker":"Andy Hart","startTime":83.79,"endTime":88.65,"body":"entitled great UK banter five"},{"speaker":"Andy Hart","startTime":83.79,"endTime":88.65,"body":"stars. As an as an advisor in"},{"speaker":"Andy Hart","startTime":88.65,"endTime":91.11,"body":"Australia. This would have to be"},{"speaker":"Andy Hart","startTime":88.65,"endTime":91.11,"body":"my favorite financial planning"},{"speaker":"Andy Hart","startTime":91.11,"endTime":94.59,"body":"podcast to listen to by far."},{"speaker":"Andy Hart","startTime":91.11,"endTime":94.59,"body":"It's a ritual listen to it. As"},{"speaker":"Andy Hart","startTime":94.59,"endTime":98.22,"body":"soon as the episode breaks, it"},{"speaker":"Andy Hart","startTime":94.59,"endTime":98.22,"body":"makes me chuckle away at the"},{"speaker":"Andy Hart","startTime":98.22,"endTime":101.79,"body":"Irish UK banter, but also"},{"speaker":"Andy Hart","startTime":98.22,"endTime":101.79,"body":"teaches valuable lessons"},{"speaker":"Andy Hart","startTime":101.79,"endTime":105.0,"body":"throughout from four very"},{"speaker":"Andy Hart","startTime":101.79,"endTime":105.0,"body":"experienced and varied advisors"},{"speaker":"Andy Hart","startTime":105.0,"endTime":107.97,"body":"would recommend to any financial"},{"speaker":"Andy Hart","startTime":105.0,"endTime":107.97,"body":"planner or really to any person"},{"speaker":"Andy Hart","startTime":107.97,"endTime":111.3,"body":"who needs a good laugh. Thank"},{"speaker":"Andy Hart","startTime":107.97,"endTime":111.3,"body":"you very much Marcus all the way"},{"speaker":"Andy Hart","startTime":111.3,"endTime":116.07,"body":"from Downunder. Next up is from"},{"speaker":"Andy Hart","startTime":111.3,"endTime":116.07,"body":"Paul at navigate Northern Irish"},{"speaker":"Andy Hart","startTime":116.07,"endTime":119.37,"body":"advisor entitled informative"},{"speaker":"Andy Hart","startTime":116.07,"endTime":119.37,"body":"straight talking and good crack"},{"speaker":"Andy Hart","startTime":119.91,"endTime":122.52,"body":"five stars. I've listened to"},{"speaker":"Andy Hart","startTime":119.91,"endTime":122.52,"body":"every episode and taken"},{"speaker":"Andy Hart","startTime":122.52,"endTime":125.49,"body":"something from each one. Whether"},{"speaker":"Andy Hart","startTime":122.52,"endTime":125.49,"body":"it's a book recommendation, new"},{"speaker":"Andy Hart","startTime":125.49,"endTime":128.64,"body":"tech solution, or a turn of"},{"speaker":"Andy Hart","startTime":125.49,"endTime":128.64,"body":"phrase to help clients all"},{"speaker":"Andy Hart","startTime":128.64,"endTime":132.27,"body":"brilliant, is like a fortnightly"},{"speaker":"Andy Hart","startTime":128.64,"endTime":132.27,"body":"check into all things relevant"},{"speaker":"Andy Hart","startTime":132.3,"endTime":135.39,"body":"in the financial planning world."},{"speaker":"Andy Hart","startTime":132.3,"endTime":135.39,"body":"Keep up the great work, guys."},{"speaker":"Andy Hart","startTime":135.42,"endTime":137.55,"body":"Thank you back to you, boss."},{"speaker":"Nick Lincoln","startTime":138.75,"endTime":141.39,"body":"Great stuff, thank"},{"speaker":"Nick Lincoln","startTime":138.75,"endTime":141.39,"body":"you Trappists. For the reviews,"},{"speaker":"Nick Lincoln","startTime":141.39,"endTime":143.25,"body":"they do mean an awful lot. And"},{"speaker":"Nick Lincoln","startTime":141.39,"endTime":143.25,"body":"as ever, if you could put your"},{"speaker":"Nick Lincoln","startTime":143.25,"endTime":145.5,"body":"real names in the reviews, if"},{"speaker":"Nick Lincoln","startTime":143.25,"endTime":145.5,"body":"you'd like to do that, that'd be"},{"speaker":"Nick Lincoln","startTime":145.5,"endTime":147.87,"body":"great, because then we know who"},{"speaker":"Nick Lincoln","startTime":145.5,"endTime":147.87,"body":"you are. And it engenders the"},{"speaker":"Nick Lincoln","startTime":147.87,"endTime":150.39,"body":"sense of community that we're"},{"speaker":"Nick Lincoln","startTime":147.87,"endTime":150.39,"body":"trying desperately to build."},{"speaker":"Nick Lincoln","startTime":150.78,"endTime":154.62,"body":"Okay, so quite a lot in the news"},{"speaker":"Nick Lincoln","startTime":150.78,"endTime":154.62,"body":"recently. And we'll start off"},{"speaker":"Nick Lincoln","startTime":154.62,"endTime":157.47,"body":"with a couple of sad events out"},{"speaker":"Nick Lincoln","startTime":154.62,"endTime":157.47,"body":"quickly mentioned the passing a"},{"speaker":"Nick Lincoln","startTime":157.47,"endTime":162.15,"body":"bill was silly if we lost the in"},{"speaker":"Nick Lincoln","startTime":157.47,"endTime":162.15,"body":"Taylor last year, the driving"},{"speaker":"Nick Lincoln","startTime":162.15,"endTime":165.27,"body":"force behind Transact and Bilva"},{"speaker":"Nick Lincoln","startTime":162.15,"endTime":165.27,"body":"cilia was another Titan in the"},{"speaker":"Nick Lincoln","startTime":165.27,"endTime":171.0,"body":"platform field. He did celestial"},{"speaker":"Nick Lincoln","startTime":165.27,"endTime":171.0,"body":"at the turn of the century. And"},{"speaker":"Nick Lincoln","startTime":171.42,"endTime":175.26,"body":"that acquired Scandia and was"},{"speaker":"Nick Lincoln","startTime":171.42,"endTime":175.26,"body":"bought by old mutual and then he"},{"speaker":"Nick Lincoln","startTime":175.26,"endTime":179.22,"body":"started novia. So I haven't I"},{"speaker":"Nick Lincoln","startTime":175.26,"endTime":179.22,"body":"didn't use any of his products."},{"speaker":"Nick Lincoln","startTime":179.22,"endTime":181.77,"body":"But I know people that worked"},{"speaker":"Nick Lincoln","startTime":179.22,"endTime":181.77,"body":"for him and I know ifas that"},{"speaker":"Nick Lincoln","startTime":181.77,"endTime":184.38,"body":"used his platforms and he"},{"speaker":"Nick Lincoln","startTime":181.77,"endTime":184.38,"body":"apparently seemed to be a very"},{"speaker":"Nick Lincoln","startTime":184.38,"endTime":188.7,"body":"good egg. So rest in peace build"},{"speaker":"Nick Lincoln","startTime":184.38,"endTime":188.7,"body":"the cilia and an even bigger"},{"speaker":"Nick Lincoln","startTime":188.7,"endTime":191.94,"body":"Titan in the world of finance"},{"speaker":"Nick Lincoln","startTime":188.7,"endTime":191.94,"body":"and investing past Mr. Hart."},{"speaker":"Andy Hart","startTime":193.259,"endTime":196.229,"body":"Yes, so Charlie"},{"speaker":"Andy Hart","startTime":193.259,"endTime":196.229,"body":"Munger, who is Warren Buffett's"},{"speaker":"Andy Hart","startTime":196.259,"endTime":200.189,"body":"sort of confident, right hand"},{"speaker":"Andy Hart","startTime":196.259,"endTime":200.189,"body":"man left hand man depending on"},{"speaker":"Andy Hart","startTime":200.579,"endTime":203.819,"body":"how you're viewing him. Anyways,"},{"speaker":"Andy Hart","startTime":200.579,"endTime":203.819,"body":"date of birth was the first of"},{"speaker":"Andy Hart","startTime":203.819,"endTime":209.939,"body":"January 1924. So he would have"},{"speaker":"Andy Hart","startTime":203.819,"endTime":209.939,"body":"been 100 on the first of January"},{"speaker":"Andy Hart","startTime":209.939,"endTime":215.969,"body":"2024. So he died at 99. Very"},{"speaker":"Andy Hart","startTime":209.939,"endTime":215.969,"body":"wise individual shed a lot of"},{"speaker":"Andy Hart","startTime":216.929,"endTime":219.539,"body":"sort of mental models with the"},{"speaker":"Andy Hart","startTime":216.929,"endTime":219.539,"body":"world are my favorite Charlie"},{"speaker":"Andy Hart","startTime":219.539,"endTime":225.959,"body":"Munger quote is the first 100k"},{"speaker":"Andy Hart","startTime":219.539,"endTime":225.959,"body":"is a bitch. Yeah, that's it back"},{"speaker":"Andy Hart","startTime":225.959,"endTime":227.549,"body":"to you. Any comments?"},{"speaker":"Nick Lincoln","startTime":229.44,"endTime":232.26,"body":"No, I shall. I'll"},{"speaker":"Nick Lincoln","startTime":229.44,"endTime":232.26,"body":"double down on the Charlie"},{"speaker":"Nick Lincoln","startTime":232.26,"endTime":234.27,"body":"Munger passing in the culture"},{"speaker":"Nick Lincoln","startTime":232.26,"endTime":234.27,"body":"corner because I've got"},{"speaker":"Nick Lincoln","startTime":234.27,"endTime":237.96,"body":"something of interest in there"},{"speaker":"Nick Lincoln","startTime":234.27,"endTime":237.96,"body":"on that from the late Mr. Manga."},{"speaker":"Nick Lincoln","startTime":238.98,"endTime":242.58,"body":"And he had a very good interview"},{"speaker":"Nick Lincoln","startTime":238.98,"endTime":242.58,"body":"recently with our panel, Lee"},{"speaker":"Nick Lincoln","startTime":242.58,"endTime":243.03,"body":"Robertson."},{"speaker":"Andy Hart","startTime":244.349,"endTime":246.809,"body":"Yes, it was the first"},{"speaker":"Andy Hart","startTime":244.349,"endTime":246.809,"body":"interview I've done for Octo"},{"speaker":"Andy Hart","startTime":246.809,"endTime":249.629,"body":"members. I've been aware of"},{"speaker":"Andy Hart","startTime":246.809,"endTime":249.629,"body":"Octomom for a while. I think"},{"speaker":"Andy Hart","startTime":249.629,"endTime":253.619,"body":"Alan did an average interview a"},{"speaker":"Andy Hart","startTime":249.629,"endTime":253.619,"body":"couple of years ago. So it's my"},{"speaker":"Andy Hart","startTime":253.619,"endTime":257.759,"body":"turn on the mic. I think there's"},{"speaker":"Andy Hart","startTime":253.619,"endTime":257.759,"body":"about half an hour 40 minutes"},{"speaker":"Andy Hart","startTime":257.759,"endTime":260.579,"body":"just discussing sort of what I'm"},{"speaker":"Andy Hart","startTime":257.759,"endTime":260.579,"body":"up to and a couple of other"},{"speaker":"Andy Hart","startTime":260.669,"endTime":263.729,"body":"things. So yeah, check it out."},{"speaker":"Andy Hart","startTime":260.669,"endTime":263.729,"body":"Octo members, I think you've got"},{"speaker":"Andy Hart","startTime":263.729,"endTime":267.779,"body":"to download the app. It's it's"},{"speaker":"Andy Hart","startTime":263.729,"endTime":267.779,"body":"mainly app based. Or sometimes"},{"speaker":"Andy Hart","startTime":267.779,"endTime":269.609,"body":"you can look at it on the"},{"speaker":"Andy Hart","startTime":267.779,"endTime":269.609,"body":"desktop. And again, Lee"},{"speaker":"Andy Hart","startTime":269.609,"endTime":272.639,"body":"Robertson's a good friend of our"},{"speaker":"Andy Hart","startTime":269.609,"endTime":272.639,"body":"good friend of all of us on the"},{"speaker":"Andy Hart","startTime":272.639,"endTime":275.489,"body":"call, so yeah, check it out."},{"speaker":"Andy Hart","startTime":272.639,"endTime":275.489,"body":"That's it back to you, Nick."},{"speaker":"Nick Lincoln","startTime":275.64,"endTime":277.62,"body":"Great stuff I"},{"speaker":"Nick Lincoln","startTime":275.64,"endTime":277.62,"body":"watched on the desktop version"},{"speaker":"Nick Lincoln","startTime":277.62,"endTime":279.42,"body":"you didn't but you do have to"},{"speaker":"Nick Lincoln","startTime":277.62,"endTime":279.42,"body":"log in and set up your profile"},{"speaker":"Nick Lincoln","startTime":279.42,"endTime":282.69,"body":"to be able to have to access"},{"speaker":"Nick Lincoln","startTime":279.42,"endTime":282.69,"body":"Octo members. Now which are you"},{"speaker":"Nick Lincoln","startTime":282.69,"endTime":285.51,"body":"had this unique, unique idea."},{"speaker":"Nick Lincoln","startTime":282.69,"endTime":285.51,"body":"How's it going?"},{"speaker":"Carl Widger","startTime":287.13,"endTime":292.02,"body":"The Irish ideas"},{"speaker":"Carl Widger","startTime":287.13,"endTime":292.02,"body":"exchange? Yeah, it was. It was"},{"speaker":"Carl Widger","startTime":292.65,"endTime":297.81,"body":"the phrase. The icebreaker was"},{"speaker":"Carl Widger","startTime":292.65,"endTime":297.81,"body":"coined by Jane McAleese. I think"},{"speaker":"Carl Widger","startTime":297.81,"endTime":301.17,"body":"that was a perfect way to"},{"speaker":"Carl Widger","startTime":297.81,"endTime":301.17,"body":"describe it. because we actually"},{"speaker":"Carl Widger","startTime":301.17,"endTime":306.63,"body":"gathered in a pub in Dublin. And"},{"speaker":"Carl Widger","startTime":301.17,"endTime":306.63,"body":"I won't say we did no work"},{"speaker":"Carl Widger","startTime":306.63,"endTime":308.97,"body":"because we did talk about"},{"speaker":"Carl Widger","startTime":306.63,"endTime":308.97,"body":"financial planning a bit and our"},{"speaker":"Carl Widger","startTime":308.97,"endTime":313.92,"body":"various businesses absolute"},{"speaker":"Carl Widger","startTime":308.97,"endTime":313.92,"body":"shambles. But it was a lot, it"},{"speaker":"Carl Widger","startTime":313.92,"endTime":318.0,"body":"was a lot of fun. So 12 People"},{"speaker":"Carl Widger","startTime":313.92,"endTime":318.0,"body":"12, hearty souls on a dirty"},{"speaker":"Carl Widger","startTime":318.0,"endTime":321.93,"body":"evening in Dublin turned up. And"},{"speaker":"Carl Widger","startTime":318.0,"endTime":321.93,"body":"it was great, because it was a"},{"speaker":"Carl Widger","startTime":321.93,"endTime":325.8,"body":"mix of like, you know, people"},{"speaker":"Carl Widger","startTime":321.93,"endTime":325.8,"body":"who are part of bigger firms,"},{"speaker":"Carl Widger","startTime":325.8,"endTime":328.83,"body":"people who are total solos, and"},{"speaker":"Carl Widger","startTime":325.8,"endTime":328.83,"body":"then people who have kind of"},{"speaker":"Carl Widger","startTime":329.58,"endTime":332.88,"body":"smaller teams. So what we've"},{"speaker":"Carl Widger","startTime":329.58,"endTime":332.88,"body":"agreed anyway, is that yes,"},{"speaker":"Carl Widger","startTime":332.88,"endTime":336.57,"body":"there is possibly something"},{"speaker":"Carl Widger","startTime":332.88,"endTime":336.57,"body":"here. So we're gonna meet up in"},{"speaker":"Carl Widger","startTime":336.57,"endTime":340.95,"body":"the new year over coffee, and"},{"speaker":"Carl Widger","startTime":336.57,"endTime":340.95,"body":"maybe kind of set an agenda and"},{"speaker":"Carl Widger","startTime":340.95,"endTime":343.56,"body":"that kind of stuff. So what's"},{"speaker":"Carl Widger","startTime":340.95,"endTime":343.56,"body":"the was 12? There, I think there"},{"speaker":"Carl Widger","startTime":343.56,"endTime":347.91,"body":"was there's four or maybe in"},{"speaker":"Carl Widger","startTime":343.56,"endTime":347.91,"body":"five have since dropped me a"},{"speaker":"Carl Widger","startTime":347.91,"endTime":351.72,"body":"mail to say, look, couldn't make"},{"speaker":"Carl Widger","startTime":347.91,"endTime":351.72,"body":"it or a text, but love to be"},{"speaker":"Carl Widger","startTime":351.72,"endTime":355.14,"body":"involved. So look, I think"},{"speaker":"Carl Widger","startTime":351.72,"endTime":355.14,"body":"there's something there. And"},{"speaker":"Carl Widger","startTime":355.14,"endTime":358.35,"body":"there was a, there was lots of"},{"speaker":"Carl Widger","startTime":355.14,"endTime":358.35,"body":"chatter around, you know, how do"},{"speaker":"Carl Widger","startTime":358.35,"endTime":362.64,"body":"we get, you know, the whole vibe"},{"speaker":"Carl Widger","startTime":358.35,"endTime":362.64,"body":"of real financial planning out"},{"speaker":"Carl Widger","startTime":362.64,"endTime":365.85,"body":"to the market? And you know, is"},{"speaker":"Carl Widger","startTime":362.64,"endTime":365.85,"body":"there something that we could do"},{"speaker":"Carl Widger","startTime":365.85,"endTime":368.37,"body":"together? So that was kind of"},{"speaker":"Carl Widger","startTime":365.85,"endTime":368.37,"body":"one of the main themes. And the"},{"speaker":"Carl Widger","startTime":368.37,"endTime":373.38,"body":"other one was some, I suppose,"},{"speaker":"Carl Widger","startTime":368.37,"endTime":373.38,"body":"generally speaking, people were"},{"speaker":"Carl Widger","startTime":373.38,"endTime":378.36,"body":"having torture with the various"},{"speaker":"Carl Widger","startTime":373.38,"endTime":378.36,"body":"providers that the service"},{"speaker":"Carl Widger","startTime":378.36,"endTime":383.16,"body":"levels were were pretty poor."},{"speaker":"Carl Widger","startTime":378.36,"endTime":383.16,"body":"I've actually had an instance of"},{"speaker":"Carl Widger","startTime":383.16,"endTime":386.22,"body":"really, really good service, I"},{"speaker":"Carl Widger","startTime":383.16,"endTime":386.22,"body":"think we need to point that out"},{"speaker":"Carl Widger","startTime":386.22,"endTime":390.33,"body":"as much as we need to point out"},{"speaker":"Carl Widger","startTime":386.22,"endTime":390.33,"body":"the bad stuff as well. But yeah,"},{"speaker":"Carl Widger","startTime":390.36,"endTime":394.98,"body":"ideas exchange, Ireland kicked"},{"speaker":"Carl Widger","startTime":390.36,"endTime":394.98,"body":"off with an icebreaker. And we"},{"speaker":"Carl Widger","startTime":394.98,"endTime":398.43,"body":"look forward to meeting"},{"speaker":"Carl Widger","startTime":394.98,"endTime":398.43,"body":"hopefully, maybe January, at"},{"speaker":"Carl Widger","startTime":398.43,"endTime":402.15,"body":"some stage, and I'll fill you in"},{"speaker":"Carl Widger","startTime":398.43,"endTime":402.15,"body":"as to progress as we go. So"},{"speaker":"Carl Widger","startTime":402.15,"endTime":403.86,"body":"yeah, good, good. Good start."},{"speaker":"Nick Lincoln","startTime":404.43,"endTime":405.6,"body":"Great, great"},{"speaker":"Nick Lincoln","startTime":404.43,"endTime":405.6,"body":"stuff. Great stuff."},{"speaker":"Alan Smith","startTime":406.59,"endTime":409.77,"body":"Pioneer. It's funny"},{"speaker":"Alan Smith","startTime":406.59,"endTime":409.77,"body":"we to you"},{"speaker":"Nick Lincoln","startTime":409.77,"endTime":411.6,"body":"guys, before,"},{"speaker":"Nick Lincoln","startTime":409.77,"endTime":411.6,"body":"before we started recording, I"},{"speaker":"Nick Lincoln","startTime":411.6,"endTime":414.15,"body":"had credit to Aviv, I did a"},{"speaker":"Nick Lincoln","startTime":411.6,"endTime":414.15,"body":"pension switch recently, it took"},{"speaker":"Nick Lincoln","startTime":414.15,"endTime":416.67,"body":"three working days from"},{"speaker":"Nick Lincoln","startTime":414.15,"endTime":416.67,"body":"submitting the pension switch"},{"speaker":"Nick Lincoln","startTime":416.67,"endTime":419.7,"body":"form to Transact to Aviva"},{"speaker":"Nick Lincoln","startTime":416.67,"endTime":419.7,"body":"sending the money over. So yeah,"},{"speaker":"Nick Lincoln","startTime":419.73,"endTime":423.69,"body":"excellent, more of that. And he"},{"speaker":"Nick Lincoln","startTime":419.73,"endTime":423.69,"body":"was saying, we'll just come to"},{"speaker":"Alan Smith","startTime":423.69,"endTime":428.31,"body":"the UK. Ideas"},{"speaker":"Alan Smith","startTime":423.69,"endTime":428.31,"body":"exchange meets about 730 in the"},{"speaker":"Alan Smith","startTime":428.31,"endTime":432.36,"body":"morning, over breakfast in a"},{"speaker":"Alan Smith","startTime":428.31,"endTime":432.36,"body":"hotel in central London, the"},{"speaker":"Alan Smith","startTime":432.36,"endTime":435.39,"body":"Irish do it the right way. In a"},{"speaker":"Alan Smith","startTime":432.36,"endTime":435.39,"body":"pub?"},{"speaker":"Carl Widger","startTime":436.86,"endTime":440.61,"body":"Probably, I suppose"},{"speaker":"Carl Widger","startTime":436.86,"endTime":440.61,"body":"lager was because I didn't know"},{"speaker":"Carl Widger","startTime":440.61,"endTime":444.09,"body":"if there was going to be any"},{"speaker":"Carl Widger","startTime":440.61,"endTime":444.09,"body":"appetite for this at all. So I"},{"speaker":"Carl Widger","startTime":444.09,"endTime":447.06,"body":"think it was actually it was a"},{"speaker":"Carl Widger","startTime":444.09,"endTime":447.06,"body":"good thing to do, because it's"},{"speaker":"Carl Widger","startTime":447.06,"endTime":451.29,"body":"just much more relaxed over over"},{"speaker":"Carl Widger","startTime":447.06,"endTime":451.29,"body":"a few drinks. I should point"},{"speaker":"Carl Widger","startTime":451.29,"endTime":456.3,"body":"out, but I mentioned on, I think"},{"speaker":"Carl Widger","startTime":451.29,"endTime":456.3,"body":"it was the last show that if"},{"speaker":"Carl Widger","startTime":456.3,"endTime":461.55,"body":"consumer jusy came in to Ireland"},{"speaker":"Carl Widger","startTime":456.3,"endTime":461.55,"body":"that 90% of the advisors would"},{"speaker":"Carl Widger","startTime":461.55,"endTime":465.78,"body":"be would have to cease. And just"},{"speaker":"Carl Widger","startTime":461.55,"endTime":465.78,"body":"to clarify a"},{"speaker":"Andy Hart","startTime":465.779,"endTime":468.599,"body":"netbook as a backdrop"},{"speaker":"Andy Hart","startTime":465.779,"endTime":468.599,"body":"come in here, my friend."},{"speaker":"Carl Widger","startTime":469.86,"endTime":472.17,"body":"It's not it's not"},{"speaker":"Carl Widger","startTime":469.86,"endTime":472.17,"body":"it's a point of clarification."},{"speaker":"Carl Widger","startTime":472.62,"endTime":476.31,"body":"The context around me saying"},{"speaker":"Carl Widger","startTime":472.62,"endTime":476.31,"body":"that was Alan had mentioned that"},{"speaker":"Carl Widger","startTime":476.31,"endTime":481.05,"body":"in the consumer duty, it says"},{"speaker":"Carl Widger","startTime":476.31,"endTime":481.05,"body":"that all ifas in the UK have to"},{"speaker":"Carl Widger","startTime":481.05,"endTime":484.08,"body":"do cash flow modeling. So that"},{"speaker":"Carl Widger","startTime":481.05,"endTime":484.08,"body":"was my that was the context"},{"speaker":"Carl Widger","startTime":484.08,"endTime":488.85,"body":"behind it. I don't believe more"},{"speaker":"Carl Widger","startTime":484.08,"endTime":488.85,"body":"than 10% of the Irish market are"},{"speaker":"Carl Widger","startTime":488.85,"endTime":492.87,"body":"using cash flow modeling, as"},{"speaker":"Carl Widger","startTime":488.85,"endTime":492.87,"body":"standard practice. So just to"},{"speaker":"Carl Widger","startTime":492.87,"endTime":495.36,"body":"clarify that point. That's where"},{"speaker":"Carl Widger","startTime":492.87,"endTime":495.36,"body":"I was coming from,"},{"speaker":"Alan Smith","startTime":495.99,"endTime":497.82,"body":"how to win friends"},{"speaker":"Alan Smith","startTime":495.99,"endTime":497.82,"body":"and Influence People."},{"speaker":"Carl Widger","startTime":498.09,"endTime":501.39,"body":"Yeah. Yeah, it"},{"speaker":"Carl Widger","startTime":498.09,"endTime":501.39,"body":"seems"},{"speaker":"Andy Hart","startTime":501.39,"endTime":503.76,"body":"maybe not rubbing off"},{"speaker":"Andy Hart","startTime":501.39,"endTime":503.76,"body":"on him. We're rubbing off and"},{"speaker":"Andy Hart","startTime":503.76,"endTime":505.95,"body":"then let's keep this going. Keep"},{"speaker":"Andy Hart","startTime":503.76,"endTime":505.95,"body":"it going"},{"speaker":"Nick Lincoln","startTime":505.95,"endTime":507.63,"body":"off on with you."},{"speaker":"Nick Lincoln","startTime":505.95,"endTime":507.63,"body":"There's a there's a mental model"},{"speaker":"Nick Lincoln","startTime":507.63,"endTime":511.56,"body":"for you. Okay. Mr. Smith Sunday"},{"speaker":"Nick Lincoln","startTime":507.63,"endTime":511.56,"body":"Times."},{"speaker":"Alan Smith","startTime":513.69,"endTime":515.76,"body":"Yeah, this is this"},{"speaker":"Alan Smith","startTime":513.69,"endTime":515.76,"body":"is one of these reports, you'll"},{"speaker":"Alan Smith","startTime":515.76,"endTime":518.19,"body":"know whether to laugh or cry."},{"speaker":"Alan Smith","startTime":515.76,"endTime":518.19,"body":"It's actually quite funny. In a"},{"speaker":"Alan Smith","startTime":518.19,"endTime":522.69,"body":"way Sunday Times. Ali Hussain"},{"speaker":"Alan Smith","startTime":518.19,"endTime":522.69,"body":"comes out again, he's got a hit"},{"speaker":"Alan Smith","startTime":522.69,"endTime":527.31,"body":"for the financial services"},{"speaker":"Alan Smith","startTime":522.69,"endTime":527.31,"body":"industry. But this one is, is"},{"speaker":"Alan Smith","startTime":527.31,"endTime":531.63,"body":"quite interesting what and it"},{"speaker":"Alan Smith","startTime":527.31,"endTime":531.63,"body":"refers to call you be aware that"},{"speaker":"Alan Smith","startTime":531.63,"endTime":534.99,"body":"in the UK for a while now,"},{"speaker":"Alan Smith","startTime":531.63,"endTime":534.99,"body":"companies, certain investment"},{"speaker":"Alan Smith","startTime":534.99,"endTime":537.72,"body":"managers have been expected to"},{"speaker":"Alan Smith","startTime":534.99,"endTime":537.72,"body":"complete value assessment"},{"speaker":"Alan Smith","startTime":537.84,"endTime":541.89,"body":"reports and publish them, put"},{"speaker":"Alan Smith","startTime":537.84,"endTime":541.89,"body":"them prominently and publicly on"},{"speaker":"Alan Smith","startTime":541.89,"endTime":544.32,"body":"their websites and give access"},{"speaker":"Alan Smith","startTime":541.89,"endTime":544.32,"body":"to them give information to"},{"speaker":"Alan Smith","startTime":544.32,"endTime":546.54,"body":"customers and clients so they"},{"speaker":"Alan Smith","startTime":544.32,"endTime":546.54,"body":"can identify they've got to have"},{"speaker":"Alan Smith","startTime":546.54,"endTime":550.29,"body":"assessed at themselves to"},{"speaker":"Alan Smith","startTime":546.54,"endTime":550.29,"body":"identify whether it's value for"},{"speaker":"Alan Smith","startTime":550.29,"endTime":555.0,"body":"money. And I'm just going to"},{"speaker":"Alan Smith","startTime":550.29,"endTime":555.0,"body":"refer to the article here when"},{"speaker":"Alan Smith","startTime":555.03,"endTime":558.06,"body":"it talks about this. They go"},{"speaker":"Alan Smith","startTime":555.03,"endTime":558.06,"body":"through a whole range of big"},{"speaker":"Alan Smith","startTime":558.06,"endTime":560.34,"body":"sort of fun groups and asset"},{"speaker":"Alan Smith","startTime":558.06,"endTime":560.34,"body":"managers then just just to pick"},{"speaker":"Alan Smith","startTime":560.34,"endTime":564.18,"body":"on one it's the first one of a"},{"speaker":"Alan Smith","startTime":560.34,"endTime":564.18,"body":"number that they've analyzed."},{"speaker":"Alan Smith","startTime":564.18,"endTime":567.42,"body":"And so it's Lloyd's, Lloyd's,"},{"speaker":"Alan Smith","startTime":564.18,"endTime":567.42,"body":"Lloyd's best management which,"},{"speaker":"Alan Smith","startTime":567.6,"endTime":570.27,"body":"which in turn own a lot of"},{"speaker":"Alan Smith","startTime":567.6,"endTime":570.27,"body":"investment companies including"},{"speaker":"Alan Smith","startTime":570.27,"endTime":575.46,"body":"Scottish Widows, Scottish,"},{"speaker":"Alan Smith","startTime":570.27,"endTime":575.46,"body":"Scottish, Halifax, etc. So under"},{"speaker":"Alan Smith","startTime":575.46,"endTime":578.04,"body":"Scottish Widows website, you"},{"speaker":"Alan Smith","startTime":575.46,"endTime":578.04,"body":"must first click the Personal"},{"speaker":"Alan Smith","startTime":578.04,"endTime":581.49,"body":"tab, then scroll right to the"},{"speaker":"Alan Smith","startTime":578.04,"endTime":581.49,"body":"bottom of the page to fund"},{"speaker":"Alan Smith","startTime":581.49,"endTime":585.99,"body":"center. You then scroll down to"},{"speaker":"Alan Smith","startTime":581.49,"endTime":585.99,"body":"fund charges and changes and"},{"speaker":"Alan Smith","startTime":585.99,"endTime":589.11,"body":"then scroll to oike open ended"},{"speaker":"Alan Smith","startTime":585.99,"endTime":589.11,"body":"investment company and Eisah"},{"speaker":"Alan Smith","startTime":589.11,"endTime":593.16,"body":"fund documents. You then click"},{"speaker":"Alan Smith","startTime":589.11,"endTime":593.16,"body":"into the value reports for"},{"speaker":"Alan Smith","startTime":593.16,"endTime":596.07,"body":"Halifax and Scottish Widows"},{"speaker":"Alan Smith","startTime":593.16,"endTime":596.07,"body":"fund, but you'll need to go to"},{"speaker":"Alan Smith","startTime":596.07,"endTime":599.88,"body":"read their own mark, you'll then"},{"speaker":"Alan Smith","startTime":596.07,"endTime":599.88,"body":"need to go to page 19 and click"},{"speaker":"Alan Smith","startTime":599.88,"endTime":604.05,"body":"on individual's funds to get a"},{"speaker":"Alan Smith","startTime":599.88,"endTime":604.05,"body":"summary. Then of the Scottish"},{"speaker":"Alan Smith","startTime":604.05,"endTime":610.26,"body":"Widows funds 32 of the 36"},{"speaker":"Alan Smith","startTime":604.05,"endTime":610.26,"body":"analyzed had to read, ie poor"},{"speaker":"Alan Smith","startTime":610.26,"endTime":614.4,"body":"rating for performance. 23 of"},{"speaker":"Alan Smith","startTime":610.26,"endTime":614.4,"body":"the 31 funds were rated read for"},{"speaker":"Alan Smith","startTime":614.4,"endTime":617.79,"body":"performance. So the Halifax"},{"speaker":"Alan Smith","startTime":614.4,"endTime":617.79,"body":"range 23 of the 31 funds. In"},{"speaker":"Alan Smith","startTime":617.79,"endTime":620.46,"body":"other words, the vast majority"},{"speaker":"Alan Smith","startTime":617.79,"endTime":620.46,"body":"were rated read, in other words,"},{"speaker":"Alan Smith","startTime":620.58,"endTime":623.25,"body":"terrorists, and it just the"},{"speaker":"Alan Smith","startTime":620.58,"endTime":623.25,"body":"funny thing is in the report,"},{"speaker":"Alan Smith","startTime":623.25,"endTime":627.72,"body":"Sophie O'Connor sounds Irish. So"},{"speaker":"Alan Smith","startTime":623.25,"endTime":627.72,"body":"if you're the head of the board"},{"speaker":"Alan Smith","startTime":627.75,"endTime":630.57,"body":"of Scottish Widows, Unit Trust"},{"speaker":"Alan Smith","startTime":627.75,"endTime":630.57,"body":"managers said, This is a"},{"speaker":"Alan Smith","startTime":630.57,"endTime":634.65,"body":"classic, quote, investment"},{"speaker":"Alan Smith","startTime":630.57,"endTime":634.65,"body":"decisions have contributed to"},{"speaker":"Alan Smith","startTime":634.65,"endTime":638.46,"body":"further underperformance"},{"speaker":"Alan Smith","startTime":634.65,"endTime":638.46,"body":"relative to the market measures"},{"speaker":"Alan Smith","startTime":638.46,"endTime":645.33,"body":"of contributors. Let me shift"},{"speaker":"Alan Smith","startTime":638.46,"endTime":645.33,"body":"Sophie. Yeah, there we go. So"},{"speaker":"Alan Smith","startTime":645.51,"endTime":648.03,"body":"it's kind of it's interesting,"},{"speaker":"Alan Smith","startTime":645.51,"endTime":648.03,"body":"it's all being sort of flushed"},{"speaker":"Alan Smith","startTime":648.03,"endTime":650.88,"body":"out and developed. And you know,"},{"speaker":"Alan Smith","startTime":648.03,"endTime":650.88,"body":"it is now obviously a regulatory"},{"speaker":"Alan Smith","startTime":650.88,"endTime":654.33,"body":"expectation, it is coming to"},{"speaker":"Alan Smith","startTime":650.88,"endTime":654.33,"body":"advisors as well, we're expected"},{"speaker":"Alan Smith","startTime":654.33,"endTime":657.78,"body":"to begin to do these things"},{"speaker":"Alan Smith","startTime":654.33,"endTime":657.78,"body":"ourselves and create these value"},{"speaker":"Alan Smith","startTime":657.78,"endTime":660.81,"body":"assessments. But it's amazing"},{"speaker":"Alan Smith","startTime":657.78,"endTime":660.81,"body":"that the fund the funds groups"},{"speaker":"Alan Smith","startTime":660.84,"endTime":663.12,"body":"are being kind of somewhat"},{"speaker":"Alan Smith","startTime":660.84,"endTime":663.12,"body":"exposed. And the last thing I'm"},{"speaker":"Alan Smith","startTime":663.12,"endTime":665.13,"body":"going to say on this, somebody"},{"speaker":"Alan Smith","startTime":663.12,"endTime":665.13,"body":"called me out in the past"},{"speaker":"Alan Smith","startTime":665.13,"endTime":668.01,"body":"recently for saying why do you"},{"speaker":"Alan Smith","startTime":665.13,"endTime":668.01,"body":"mention these negative things,"},{"speaker":"Alan Smith","startTime":668.01,"endTime":671.19,"body":"you should just be promoting the"},{"speaker":"Alan Smith","startTime":668.01,"endTime":671.19,"body":"positive in our industry. And I"},{"speaker":"Alan Smith","startTime":671.19,"endTime":674.49,"body":"don't agree with that I think"},{"speaker":"Alan Smith","startTime":671.19,"endTime":674.49,"body":"we're all trying to make this is"},{"speaker":"Alan Smith","startTime":674.49,"endTime":678.45,"body":"about better outcomes for our"},{"speaker":"Alan Smith","startTime":674.49,"endTime":678.45,"body":"clients. And, you know, there"},{"speaker":"Alan Smith","startTime":678.45,"endTime":681.57,"body":"are parts of our industry, which"},{"speaker":"Alan Smith","startTime":678.45,"endTime":681.57,"body":"are not top performing. They're"},{"speaker":"Alan Smith","startTime":681.57,"endTime":683.82,"body":"not great. They're not"},{"speaker":"Alan Smith","startTime":681.57,"endTime":683.82,"body":"delivering great value for money"},{"speaker":"Alan Smith","startTime":683.82,"endTime":687.0,"body":"for customers. But it's all kind"},{"speaker":"Alan Smith","startTime":683.82,"endTime":687.0,"body":"of smoke and mirrors. And the"},{"speaker":"Alan Smith","startTime":687.0,"endTime":689.43,"body":"very clients and customers that"},{"speaker":"Alan Smith","startTime":687.0,"endTime":689.43,"body":"are using these products aren't"},{"speaker":"Alan Smith","startTime":689.43,"endTime":691.89,"body":"aware. I mean, look at all the"},{"speaker":"Alan Smith","startTime":689.43,"endTime":691.89,"body":"clicks and fun pages and squid"},{"speaker":"Alan Smith","startTime":691.89,"endTime":695.61,"body":"No, I mean, no one is going to"},{"speaker":"Alan Smith","startTime":691.89,"endTime":695.61,"body":"go to the trouble of identifying"},{"speaker":"Alan Smith","startTime":695.61,"endTime":696.3,"body":"that just"},{"speaker":"Carl Widger","startTime":697.32,"endTime":700.02,"body":"it just goes back"},{"speaker":"Carl Widger","startTime":697.32,"endTime":700.02,"body":"to the to that's just pointless"},{"speaker":"Carl Widger","startTime":700.02,"endTime":704.28,"body":"regulation really to asking your"},{"speaker":"Carl Widger","startTime":700.02,"endTime":704.28,"body":"managers to Yeah, to rate"},{"speaker":"Carl Widger","startTime":704.28,"endTime":707.67,"body":"themselves. If you go down a"},{"speaker":"Carl Widger","startTime":704.28,"endTime":707.67,"body":"rabbit hole that no one is ever"},{"speaker":"Carl Widger","startTime":707.67,"endTime":709.8,"body":"going to read so pointless"},{"speaker":"Carl Widger","startTime":707.67,"endTime":709.8,"body":"right?"},{"speaker":"Nick Lincoln","startTime":711.42,"endTime":712.95,"body":"away. But let's be"},{"speaker":"Nick Lincoln","startTime":711.42,"endTime":712.95,"body":"honest, no one wants to find it."},{"speaker":"Nick Lincoln","startTime":712.95,"endTime":716.07,"body":"No joke public couldn't give a"},{"speaker":"Nick Lincoln","startTime":712.95,"endTime":716.07,"body":"damn about this crap, and not"},{"speaker":"Nick Lincoln","startTime":716.07,"endTime":718.71,"body":"give a shit. Right. But But"},{"speaker":"Alan Smith","startTime":718.71,"endTime":721.65,"body":"nevertheless, is the"},{"speaker":"Alan Smith","startTime":718.71,"endTime":721.65,"body":"regular regulator. Are there?"},{"speaker":"Alan Smith","startTime":722.07,"endTime":725.16,"body":"No, but the regulator is there"},{"speaker":"Alan Smith","startTime":722.07,"endTime":725.16,"body":"to to sort of have good outcomes"},{"speaker":"Alan Smith","startTime":725.16,"endTime":726.6,"body":"for investors for retail."},{"speaker":"Andy Hart","startTime":729.78,"endTime":731.82,"body":"I mean, where do you"},{"speaker":"Andy Hart","startTime":729.78,"endTime":731.82,"body":"draw the line that they're still"},{"speaker":"Andy Hart","startTime":731.82,"endTime":734.58,"body":"growing? They're still charging."},{"speaker":"Andy Hart","startTime":731.82,"endTime":734.58,"body":"They're still underperforming,"},{"speaker":"Andy Hart","startTime":734.58,"endTime":736.32,"body":"and there'll be another"},{"speaker":"Andy Hart","startTime":734.58,"endTime":736.32,"body":"regulation comes out that"},{"speaker":"Andy Hart","startTime":736.32,"endTime":738.36,"body":"confirms is still"},{"speaker":"Andy Hart","startTime":736.32,"endTime":738.36,"body":"underperforming? Where's the"},{"speaker":"Andy Hart","startTime":738.36,"endTime":742.05,"body":"endpoint to this? It's? Who"},{"speaker":"Andy Hart","startTime":738.36,"endTime":742.05,"body":"knows? And"},{"speaker":"Nick Lincoln","startTime":742.05,"endTime":744.42,"body":"it was an"},{"speaker":"Nick Lincoln","startTime":742.05,"endTime":744.42,"body":"inefficient market half the half"},{"speaker":"Nick Lincoln","startTime":744.42,"endTime":747.03,"body":"the people that are going to"},{"speaker":"Nick Lincoln","startTime":744.42,"endTime":747.03,"body":"underperform all the time. And"},{"speaker":"Nick Lincoln","startTime":747.03,"endTime":751.26,"body":"that's just the way it goes."},{"speaker":"Nick Lincoln","startTime":747.03,"endTime":751.26,"body":"Sure. So, right. Awesome"},{"speaker":"Nick Lincoln","startTime":751.26,"endTime":753.63,"body":"statement I mentioned because it"},{"speaker":"Nick Lincoln","startTime":751.26,"endTime":753.63,"body":"happened as far as I can tell"},{"speaker":"Nick Lincoln","startTime":753.63,"endTime":755.82,"body":"Jensen, you can just will"},{"speaker":"Nick Lincoln","startTime":753.63,"endTime":755.82,"body":"quickly be honest, I don't think"},{"speaker":"Nick Lincoln","startTime":755.82,"endTime":757.8,"body":"there's much in it. There was"},{"speaker":"Nick Lincoln","startTime":755.82,"endTime":757.8,"body":"some there's some pension stuff"},{"speaker":"Nick Lincoln","startTime":757.8,"endTime":761.34,"body":"coming in that makes it seems"},{"speaker":"Nick Lincoln","startTime":757.8,"endTime":761.34,"body":"quite complicated pension"},{"speaker":"Nick Lincoln","startTime":761.34,"endTime":764.04,"body":"simplification, and as a cliche,"},{"speaker":"Nick Lincoln","startTime":761.34,"endTime":764.04,"body":"but that seems so long ago, but"},{"speaker":"Nick Lincoln","startTime":764.04,"endTime":765.78,"body":"there's nothing else in the"},{"speaker":"Nick Lincoln","startTime":764.04,"endTime":765.78,"body":"autumn statement. Really. I met"},{"speaker":"Nick Lincoln","startTime":765.78,"endTime":768.84,"body":"all the big tax bands will come"},{"speaker":"Nick Lincoln","startTime":765.78,"endTime":768.84,"body":"in there in the spring budget,"},{"speaker":"Nick Lincoln","startTime":769.08,"endTime":772.29,"body":"as we've got an election"},{"speaker":"Nick Lincoln","startTime":769.08,"endTime":772.29,"body":"looming. sometime between now"},{"speaker":"Nick Lincoln","startTime":772.29,"endTime":779.52,"body":"and January 2025. Oh, yes. Alan,"},{"speaker":"Nick Lincoln","startTime":772.29,"endTime":779.52,"body":"your your latest Magpie Magpie"},{"speaker":"Nick Lincoln","startTime":779.52,"endTime":781.35,"body":"moment with AI facial"},{"speaker":"Nick Lincoln","startTime":779.52,"endTime":781.35,"body":"recognition."},{"speaker":"Alan Smith","startTime":781.74,"endTime":783.69,"body":"Yeah, it's been a"},{"speaker":"Alan Smith","startTime":781.74,"endTime":783.69,"body":"couple of episodes since I"},{"speaker":"Alan Smith","startTime":783.69,"endTime":787.17,"body":"mentioned it. But yeah, this is"},{"speaker":"Alan Smith","startTime":783.69,"endTime":787.17,"body":"this is what I'm going to say"},{"speaker":"Alan Smith","startTime":787.17,"endTime":791.22,"body":"that AI parts of the AI"},{"speaker":"Alan Smith","startTime":787.17,"endTime":791.22,"body":"revolution may have still work"},{"speaker":"Alan Smith","startTime":791.22,"endTime":794.52,"body":"to do. I was contacted a little"},{"speaker":"Alan Smith","startTime":791.22,"endTime":794.52,"body":"while ago by a company. I won't"},{"speaker":"Alan Smith","startTime":794.52,"endTime":796.77,"body":"mention the name right now,"},{"speaker":"Alan Smith","startTime":794.52,"endTime":796.77,"body":"because it's kind of it's a work"},{"speaker":"Alan Smith","startTime":796.77,"endTime":801.51,"body":"in progress to be fair. And what"},{"speaker":"Alan Smith","startTime":796.77,"endTime":801.51,"body":"they've done. They've built a an"},{"speaker":"Alan Smith","startTime":801.51,"endTime":805.2,"body":"AI enabled tool based on facial"},{"speaker":"Alan Smith","startTime":801.51,"endTime":805.2,"body":"recognition. So if you've, if"},{"speaker":"Alan Smith","startTime":805.2,"endTime":809.31,"body":"you put a photograph, send a"},{"speaker":"Alan Smith","startTime":805.2,"endTime":809.31,"body":"photograph then it's the"},{"speaker":"Andy Hart","startTime":809.819,"endTime":811.859,"body":"financial plan. And"},{"speaker":"Andy Hart","startTime":809.819,"endTime":811.859,"body":"as you said to me last week,"},{"speaker":"Andy Hart","startTime":811.859,"endTime":813.929,"body":"when I was talking about"},{"speaker":"Andy Hart","startTime":811.859,"endTime":813.929,"body":"something totally unrelated, I"},{"speaker":"Andy Hart","startTime":813.929,"endTime":816.719,"body":"mean, some rubbish company,"},{"speaker":"Andy Hart","startTime":813.929,"endTime":816.719,"body":"that's some rubbish service, and"},{"speaker":"Andy Hart","startTime":816.719,"endTime":818.279,"body":"he's talking about it. Alright,"},{"speaker":"Andy Hart","startTime":816.719,"endTime":818.279,"body":"fine."},{"speaker":"Alan Smith","startTime":818.76,"endTime":821.76,"body":"It's to do with"},{"speaker":"Alan Smith","startTime":818.76,"endTime":821.76,"body":"these times. You're such a"},{"speaker":"Alan Smith","startTime":821.76,"endTime":826.44,"body":"client, you really are. It's to"},{"speaker":"Alan Smith","startTime":821.76,"endTime":826.44,"body":"do with it's all it's exactly"},{"speaker":"Alan Smith","startTime":826.44,"endTime":829.05,"body":"built. It's built by a finance."},{"speaker":"Alan Smith","startTime":826.44,"endTime":829.05,"body":"It's a FinTech company that's"},{"speaker":"Alan Smith","startTime":829.05,"endTime":832.17,"body":"built it to help advisors give"},{"speaker":"Alan Smith","startTime":829.05,"endTime":832.17,"body":"more focused advice to their"},{"speaker":"Alan Smith","startTime":832.17,"endTime":836.22,"body":"clients, based upon risk"},{"speaker":"Alan Smith","startTime":832.17,"endTime":836.22,"body":"assessment, behavioral"},{"speaker":"Alan Smith","startTime":836.22,"endTime":838.77,"body":"analytics, number of different"},{"speaker":"Alan Smith","startTime":836.22,"endTime":838.77,"body":"things. It's spot on relevance"},{"speaker":"Alan Smith","startTime":838.77,"endTime":841.02,"body":"for financial planners. However,"},{"speaker":"Alan Smith","startTime":838.77,"endTime":841.02,"body":"the tool itself doesn't really"},{"speaker":"Alan Smith","startTime":841.02,"endTime":847.77,"body":"work, because I said, I said on"},{"speaker":"Alan Smith","startTime":841.02,"endTime":847.77,"body":"the photograph of all of us,"},{"speaker":"Alan Smith","startTime":847.77,"endTime":850.83,"body":"actually, so let me just give"},{"speaker":"Alan Smith","startTime":847.77,"endTime":850.83,"body":"you a couple of bits of feedback"},{"speaker":"Alan Smith","startTime":850.83,"endTime":854.49,"body":"based on the photograph of Nick"},{"speaker":"Alan Smith","startTime":850.83,"endTime":854.49,"body":"Lincoln. Nick comes in one of"},{"speaker":"Alan Smith","startTime":854.49,"endTime":858.27,"body":"the top percentile for"},{"speaker":"Alan Smith","startTime":854.49,"endTime":858.27,"body":"agreeableness. This individual"},{"speaker":"Alan Smith","startTime":858.27,"endTime":861.06,"body":"likely excels in teamwork and"},{"speaker":"Alan Smith","startTime":858.27,"endTime":861.06,"body":"collaboration. They're"},{"speaker":"Alan Smith","startTime":861.06,"endTime":864.72,"body":"empathetic cooperative, and tend"},{"speaker":"Alan Smith","startTime":861.06,"endTime":864.72,"body":"to pro tend to prioritize"},{"speaker":"Alan Smith","startTime":864.75,"endTime":865.77,"body":"harmony in"},{"speaker":"Carl Widger","startTime":866.64,"endTime":870.03,"body":"AI is broken. We"},{"speaker":"Carl Widger","startTime":866.64,"endTime":870.03,"body":"can announce that now."},{"speaker":"Andy Hart","startTime":870.06,"endTime":872.7,"body":"Rogue AI call Witcher"},{"speaker":"Alan Smith","startTime":873.87,"endTime":877.47,"body":"zero percentile of"},{"speaker":"Alan Smith","startTime":873.87,"endTime":877.47,"body":"extraversion"},{"speaker":"Carl Widger","startTime":878.46,"endTime":880.05,"body":"of extraversion"},{"speaker":"Carl Widger","startTime":878.46,"endTime":880.05,"body":"lowest"},{"speaker":"Alan Smith","startTime":880.05,"endTime":882.6,"body":"percentile and"},{"speaker":"Alan Smith","startTime":880.05,"endTime":882.6,"body":"extraversion represents a strong"},{"speaker":"Alan Smith","startTime":882.6,"endTime":888.12,"body":"inclination towards introversion"},{"speaker":"Alan Smith","startTime":882.6,"endTime":888.12,"body":"reserved, preferring solitary"},{"speaker":"Alan Smith","startTime":888.12,"endTime":891.72,"body":"activities over social"},{"speaker":"Alan Smith","startTime":888.12,"endTime":891.72,"body":"interactions, and finding energy"},{"speaker":"Alan Smith","startTime":891.72,"endTime":893.01,"body":"and focus in solitude."},{"speaker":"Carl Widger","startTime":893.16,"endTime":895.86,"body":"That's why do you"},{"speaker":"Carl Widger","startTime":893.16,"endTime":895.86,"body":"giggle when you're reading that"},{"speaker":"Carl Widger","startTime":895.86,"endTime":896.73,"body":"out, Alan? Because"},{"speaker":"Alan Smith","startTime":896.73,"endTime":898.86,"body":"I see you as quite"},{"speaker":"Alan Smith","startTime":896.73,"endTime":898.86,"body":"extroverted or whenever you"},{"speaker":"Alan Smith","startTime":898.86,"endTime":902.88,"body":"point out and on it goes. I"},{"speaker":"Alan Smith","startTime":898.86,"endTime":902.88,"body":"mean, you mentioned what it says"},{"speaker":"Alan Smith","startTime":902.88,"endTime":904.68,"body":"about anti heart. It's actually"},{"speaker":"Alan Smith","startTime":902.88,"endTime":904.68,"body":"probably accurate but anti"},{"speaker":"Alan Smith","startTime":904.68,"endTime":908.61,"body":"heart. But what does work"},{"speaker":"Alan Smith","startTime":904.68,"endTime":908.61,"body":"there's still work to do on the"},{"speaker":"Alan Smith","startTime":908.67,"endTime":911.7,"body":"on the AI enabled tools to help"},{"speaker":"Alan Smith","startTime":908.67,"endTime":911.7,"body":"financial planners when they"},{"speaker":"Andy Hart","startTime":911.7,"endTime":913.95,"body":"crack it and it's"},{"speaker":"Andy Hart","startTime":911.7,"endTime":913.95,"body":"useful for financial advisors."},{"speaker":"Andy Hart","startTime":913.95,"endTime":916.56,"body":"Maybe we'll revisit that point."},{"speaker":"Andy Hart","startTime":913.95,"endTime":916.56,"body":"But yeah, thank you."},{"speaker":"Nick Lincoln","startTime":947.62,"endTime":951.25,"body":"Okay, so I we all"},{"speaker":"Nick Lincoln","startTime":947.62,"endTime":951.25,"body":"know the names, were you not?"},{"speaker":"Nick Lincoln","startTime":951.25,"endTime":954.52,"body":"You might not call but they're"},{"speaker":"Nick Lincoln","startTime":951.25,"endTime":954.52,"body":"certainly the name Paul Lewis is"},{"speaker":"Nick Lincoln","startTime":954.76,"endTime":959.02,"body":"in the UK financial. Yeah. Okay."},{"speaker":"Nick Lincoln","startTime":954.76,"endTime":959.02,"body":"Is that big that he's gone over"},{"speaker":"Nick Lincoln","startTime":959.02,"endTime":962.68,"body":"the Irish. So he's a massive"},{"speaker":"Nick Lincoln","startTime":959.02,"endTime":962.68,"body":"figure has been for decades in"},{"speaker":"Nick Lincoln","startTime":962.68,"endTime":966.31,"body":"the UK. There's money box Show"},{"speaker":"Nick Lincoln","startTime":962.68,"endTime":966.31,"body":"with the BBC. And we're just"},{"speaker":"Nick Lincoln","startTime":966.31,"endTime":968.56,"body":"writing various columns and"},{"speaker":"Nick Lincoln","startTime":966.31,"endTime":968.56,"body":"blogs, but years and years and"},{"speaker":"Nick Lincoln","startTime":968.56,"endTime":972.13,"body":"years. And he was interviewed"},{"speaker":"Nick Lincoln","startTime":968.56,"endTime":972.13,"body":"recently in the Daily Mail. And"},{"speaker":"Nick Lincoln","startTime":972.13,"endTime":974.74,"body":"there's a link to the so called"},{"speaker":"Nick Lincoln","startTime":972.13,"endTime":974.74,"body":"shownotes, where he gave his"},{"speaker":"Nick Lincoln","startTime":974.74,"endTime":977.62,"body":"investment philosophies. And why"},{"speaker":"Nick Lincoln","startTime":974.74,"endTime":977.62,"body":"is this important? Well, this"},{"speaker":"Nick Lincoln","startTime":977.62,"endTime":982.7199999999999,"body":"guy is massively influential,"},{"speaker":"Nick Lincoln","startTime":977.62,"endTime":982.7199999999999,"body":"and the way he invests, I'm"},{"speaker":"Nick Lincoln","startTime":982.7199999999999,"endTime":984.6999999999999,"body":"gonna quickly quote from the"},{"speaker":"Nick Lincoln","startTime":982.7199999999999,"endTime":984.6999999999999,"body":"article, but the question was,"},{"speaker":"Nick Lincoln","startTime":984.6999999999999,"endTime":987.04,"body":"do you invest directly in the"},{"speaker":"Nick Lincoln","startTime":984.6999999999999,"endTime":987.04,"body":"stock market? And it Mr. Lewis"},{"speaker":"Nick Lincoln","startTime":987.04,"endTime":989.53,"body":"said, No, my pension is all in"},{"speaker":"Nick Lincoln","startTime":987.04,"endTime":989.53,"body":"cash and has been for about a"},{"speaker":"Nick Lincoln","startTime":989.53,"endTime":992.9499999999999,"body":"decade, I actively manage my"},{"speaker":"Nick Lincoln","startTime":989.53,"endTime":992.9499999999999,"body":"cash. So every year I look where"},{"speaker":"Nick Lincoln","startTime":992.9499999999999,"endTime":995.74,"body":"my cash is, find the best one"},{"speaker":"Nick Lincoln","startTime":992.9499999999999,"endTime":995.74,"body":"year bond and move my cash"},{"speaker":"Nick Lincoln","startTime":995.74,"endTime":999.49,"body":"there. Blah, blah, blah, blah,"},{"speaker":"Nick Lincoln","startTime":995.74,"endTime":999.49,"body":"blah. There is no investment"},{"speaker":"Nick Lincoln","startTime":999.49,"endTime":1002.79,"body":"anywhere that will earn me 6.2%,"},{"speaker":"Nick Lincoln","startTime":999.49,"endTime":1002.79,"body":"which is what he says he's"},{"speaker":"Nick Lincoln","startTime":1002.79,"endTime":1005.67,"body":"getting at the minute. I don't"},{"speaker":"Nick Lincoln","startTime":1002.79,"endTime":1005.67,"body":"know where he gets that I. He"},{"speaker":"Nick Lincoln","startTime":1005.67,"endTime":1007.7099999999999,"body":"mentioned the products in the in"},{"speaker":"Nick Lincoln","startTime":1005.67,"endTime":1007.7099999999999,"body":"the interview, but I can't find"},{"speaker":"Nick Lincoln","startTime":1007.7099999999999,"endTime":1012.0,"body":"it online. And my capital isn't"},{"speaker":"Nick Lincoln","startTime":1007.7099999999999,"endTime":1012.0,"body":"at risk. Mr. Lewis is saying,"},{"speaker":"Nick Lincoln","startTime":1012.0,"endTime":1014.76,"body":"well, his old cannot isn't"},{"speaker":"Nick Lincoln","startTime":1012.0,"endTime":1014.76,"body":"understanding what the real risk"},{"speaker":"Nick Lincoln","startTime":1014.76,"endTime":1017.91,"body":"is. final paragraph. Many people"},{"speaker":"Nick Lincoln","startTime":1014.76,"endTime":1017.91,"body":"have seen the value of their"},{"speaker":"Nick Lincoln","startTime":1017.91,"endTime":1020.8499999999999,"body":"pensions fall by 20%. In the"},{"speaker":"Nick Lincoln","startTime":1017.91,"endTime":1020.8499999999999,"body":"past year, well, unless they're"},{"speaker":"Nick Lincoln","startTime":1020.8499999999999,"endTime":1023.79,"body":"all invested in long dated"},{"speaker":"Nick Lincoln","startTime":1020.8499999999999,"endTime":1023.79,"body":"gilts, but never mind. Mine"},{"speaker":"Nick Lincoln","startTime":1023.79,"endTime":1026.73,"body":"hasn't it's grown. People also"},{"speaker":"Nick Lincoln","startTime":1023.79,"endTime":1026.73,"body":"worry about the impact of"},{"speaker":"Nick Lincoln","startTime":1026.73,"endTime":1030.69,"body":"inflation on cash. No shit,"},{"speaker":"Nick Lincoln","startTime":1026.73,"endTime":1030.69,"body":"Sherlock. But Inflation affects"},{"speaker":"Nick Lincoln","startTime":1030.69,"endTime":1033.54,"body":"the value of investments just as"},{"speaker":"Nick Lincoln","startTime":1030.69,"endTime":1033.54,"body":"much as it impacts cash. Well,"},{"speaker":"Nick Lincoln","startTime":1033.54,"endTime":1035.58,"body":"of course it does. No one ever"},{"speaker":"Nick Lincoln","startTime":1033.54,"endTime":1035.58,"body":"said it didn't. But what you"},{"speaker":"Nick Lincoln","startTime":1035.58,"endTime":1037.89,"body":"want are investments that can"},{"speaker":"Nick Lincoln","startTime":1035.58,"endTime":1037.89,"body":"really knock inflation into a"},{"speaker":"Nick Lincoln","startTime":1037.89,"endTime":1041.4,"body":"cocked hat and maybe return"},{"speaker":"Nick Lincoln","startTime":1037.89,"endTime":1041.4,"body":"something over inflation. I did"},{"speaker":"Nick Lincoln","startTime":1041.4,"endTime":1044.1,"body":"an analysis a few years ago and"},{"speaker":"Nick Lincoln","startTime":1041.4,"endTime":1044.1,"body":"found that in the very long"},{"speaker":"Nick Lincoln","startTime":1044.1,"endTime":1047.52,"body":"term, over 20 years tracker"},{"speaker":"Nick Lincoln","startTime":1044.1,"endTime":1047.52,"body":"funds will be cash, there's a"},{"speaker":"Nick Lincoln","startTime":1047.52,"endTime":1050.25,"body":"guarantee from Mr. Lewis, they"},{"speaker":"Nick Lincoln","startTime":1047.52,"endTime":1050.25,"body":"will be cash. And but over"},{"speaker":"Nick Lincoln","startTime":1050.25,"endTime":1052.77,"body":"shorter periods, they often"},{"speaker":"Nick Lincoln","startTime":1050.25,"endTime":1052.77,"body":"won't end quote, there's so much"},{"speaker":"Nick Lincoln","startTime":1052.77,"endTime":1055.4099999999999,"body":"in there, that's wrong. A"},{"speaker":"Nick Lincoln","startTime":1052.77,"endTime":1055.4099999999999,"body":"tracker fund, we don't know if"},{"speaker":"Nick Lincoln","startTime":1055.4099999999999,"endTime":1057.51,"body":"there'll be cash over any"},{"speaker":"Nick Lincoln","startTime":1055.4099999999999,"endTime":1057.51,"body":"period, we never get to say that"},{"speaker":"Nick Lincoln","startTime":1057.51,"endTime":1059.43,"body":"we can't guarantee it"},{"speaker":"Nick Lincoln","startTime":1057.51,"endTime":1059.43,"body":"historically, they have done and"},{"speaker":"Nick Lincoln","startTime":1059.43,"endTime":1061.3799999999999,"body":"they may well do so going"},{"speaker":"Nick Lincoln","startTime":1059.43,"endTime":1061.3799999999999,"body":"forward, but we never guarantee"},{"speaker":"Nick Lincoln","startTime":1061.3799999999999,"endTime":1065.07,"body":"it. But we're not an advisor"},{"speaker":"Nick Lincoln","startTime":1061.3799999999999,"endTime":1065.07,"body":"like Mr. Lewis are we? And over"},{"speaker":"Nick Lincoln","startTime":1065.07,"endTime":1067.3799999999999,"body":"shorter periods, you know, you"},{"speaker":"Nick Lincoln","startTime":1065.07,"endTime":1067.3799999999999,"body":"need to be in cash, well,"},{"speaker":"Nick Lincoln","startTime":1067.3799999999999,"endTime":1070.11,"body":"pension funds were invested for"},{"speaker":"Nick Lincoln","startTime":1067.3799999999999,"endTime":1070.11,"body":"3040 50 years, you're gonna pass"},{"speaker":"Nick Lincoln","startTime":1070.11,"endTime":1072.3,"body":"them down to your children, the"},{"speaker":"Nick Lincoln","startTime":1070.11,"endTime":1072.3,"body":"UK, and they're gonna pass them"},{"speaker":"Nick Lincoln","startTime":1072.3,"endTime":1075.57,"body":"down to their children,"},{"speaker":"Nick Lincoln","startTime":1072.3,"endTime":1075.57,"body":"theoretically, What a load of"},{"speaker":"Nick Lincoln","startTime":1075.57,"endTime":1078.75,"body":"rubbish. And this is a guy who"},{"speaker":"Nick Lincoln","startTime":1075.57,"endTime":1078.75,"body":"is extremely influential. So"},{"speaker":"Nick Lincoln","startTime":1078.75,"endTime":1080.94,"body":"whenever he pens a piece, you've"},{"speaker":"Nick Lincoln","startTime":1078.75,"endTime":1080.94,"body":"got to understand where people"},{"speaker":"Nick Lincoln","startTime":1080.94,"endTime":1083.55,"body":"are coming from, and the context"},{"speaker":"Nick Lincoln","startTime":1080.94,"endTime":1083.55,"body":"of their of their minds when"},{"speaker":"Nick Lincoln","startTime":1083.55,"endTime":1085.4099999999999,"body":"they write stuff when they put"},{"speaker":"Nick Lincoln","startTime":1083.55,"endTime":1085.4099999999999,"body":"content out. And you can just"},{"speaker":"Nick Lincoln","startTime":1085.4099999999999,"endTime":1088.32,"body":"see there, you also slagged off"},{"speaker":"Nick Lincoln","startTime":1085.4099999999999,"endTime":1088.32,"body":"by let investors not because"},{"speaker":"Nick Lincoln","startTime":1088.32,"endTime":1090.8999999999999,"body":"property is a bad investment."},{"speaker":"Nick Lincoln","startTime":1088.32,"endTime":1090.8999999999999,"body":"But because you're keeping"},{"speaker":"Nick Lincoln","startTime":1090.8999999999999,"endTime":1093.75,"body":"people away from owning property"},{"speaker":"Nick Lincoln","startTime":1090.8999999999999,"endTime":1093.75,"body":"and, you know, people having to"},{"speaker":"Nick Lincoln","startTime":1093.75,"endTime":1096.51,"body":"work half the week to put money"},{"speaker":"Nick Lincoln","startTime":1093.75,"endTime":1096.51,"body":"in your pocket as a buy to let"},{"speaker":"Nick Lincoln","startTime":1096.51,"endTime":1100.92,"body":"landlord How can you live with"},{"speaker":"Nick Lincoln","startTime":1096.51,"endTime":1100.92,"body":"that? So, you know, yeah. Any"},{"speaker":"Nick Lincoln","startTime":1100.92,"endTime":1102.0,"body":"views on that as we move on?"},{"speaker":"Carl Widger","startTime":1103.11,"endTime":1104.6399999999999,"body":"I think it's"},{"speaker":"Carl Widger","startTime":1103.11,"endTime":1104.6399999999999,"body":"impressive that you're able to"},{"speaker":"Carl Widger","startTime":1104.6399999999999,"endTime":1107.85,"body":"review every single sentence"},{"speaker":"Carl Widger","startTime":1104.6399999999999,"endTime":1107.85,"body":"that he needs, not just the"},{"speaker":"Carl Widger","startTime":1107.85,"endTime":1113.07,"body":"article in total. So you found"},{"speaker":"Carl Widger","startTime":1107.85,"endTime":1113.07,"body":"error in each sentence? Yeah. No"},{"speaker":"Carl Widger","startTime":1113.1,"endTime":1116.61,"body":"load of absolute rubbish. And it"},{"speaker":"Carl Widger","startTime":1113.1,"endTime":1116.61,"body":"is disconcerting when you see"},{"speaker":"Carl Widger","startTime":1116.61,"endTime":1120.3,"body":"people who are, as you say,"},{"speaker":"Carl Widger","startTime":1116.61,"endTime":1120.3,"body":"influential? I mean, that's the"},{"speaker":"Carl Widger","startTime":1120.3,"endTime":1123.3899999999999,"body":"age of social media, isn't it?"},{"speaker":"Carl Widger","startTime":1120.3,"endTime":1123.3899999999999,"body":"You know, some people who are"},{"speaker":"Carl Widger","startTime":1124.2,"endTime":1127.29,"body":"inverted commas, influential,"},{"speaker":"Carl Widger","startTime":1124.2,"endTime":1127.29,"body":"say crazy things. And then that"},{"speaker":"Carl Widger","startTime":1127.29,"endTime":1131.34,"body":"seems to be the standard or the"},{"speaker":"Carl Widger","startTime":1127.29,"endTime":1131.34,"body":"norm. It's, yeah, our work is"},{"speaker":"Carl Widger","startTime":1131.34,"endTime":1132.3,"body":"not yet done."},{"speaker":"Andy Hart","startTime":1132.81,"endTime":1137.31,"body":"He is a huge consumer"},{"speaker":"Andy Hart","startTime":1132.81,"endTime":1137.31,"body":"champion in the UK. Yeah. So he"},{"speaker":"Andy Hart","startTime":1137.31,"endTime":1140.46,"body":"has done a lot of good work just"},{"speaker":"Andy Hart","startTime":1137.31,"endTime":1140.46,"body":"to sort of balance the article"},{"speaker":"Andy Hart","startTime":1140.46,"endTime":1142.92,"body":"out sorry, balance him out as a"},{"speaker":"Andy Hart","startTime":1140.46,"endTime":1142.92,"body":"as a person. But yeah, as"},{"speaker":"Andy Hart","startTime":1142.92,"endTime":1145.02,"body":"alternates obviously, confirm,"},{"speaker":"Andy Hart","startTime":1142.92,"endTime":1145.02,"body":"and he's an investing"},{"speaker":"Andy Hart","startTime":1145.02,"endTime":1147.12,"body":"illiterate, which is great. I"},{"speaker":"Andy Hart","startTime":1145.02,"endTime":1147.12,"body":"love it when people publicly"},{"speaker":"Andy Hart","startTime":1147.12,"endTime":1149.97,"body":"confirm their investing"},{"speaker":"Andy Hart","startTime":1147.12,"endTime":1149.97,"body":"illiterate, you know, I'm sort"},{"speaker":"Andy Hart","startTime":1149.97,"endTime":1152.1599999999999,"body":"of all for that. But yeah, back"},{"speaker":"Andy Hart","startTime":1149.97,"endTime":1152.1599999999999,"body":"to the boss."},{"speaker":"Alan Smith","startTime":1152.759,"endTime":1155.489,"body":"Yeah, there must be"},{"speaker":"Alan Smith","startTime":1152.759,"endTime":1155.489,"body":"1000s of 1000s of customers when"},{"speaker":"Alan Smith","startTime":1155.489,"endTime":1159.839,"body":"sort of DIY, no help investors"},{"speaker":"Alan Smith","startTime":1155.489,"endTime":1159.839,"body":"who will follow Him and follow"},{"speaker":"Alan Smith","startTime":1159.839,"endTime":1163.6789999999999,"body":"exactly that and sit in cash at"},{"speaker":"Alan Smith","startTime":1159.839,"endTime":1163.6789999999999,"body":"that investment. That's,"},{"speaker":"Andy Hart","startTime":1165.21,"endTime":1166.59,"body":"that's an assumption."},{"speaker":"Andy Hart","startTime":1165.21,"endTime":1166.59,"body":"It's an assumption."},{"speaker":"Nick Lincoln","startTime":1168.09,"endTime":1170.6399999999999,"body":"Yeah, it isn't."},{"speaker":"Nick Lincoln","startTime":1168.09,"endTime":1170.6399999999999,"body":"But I think I think that's a"},{"speaker":"Nick Lincoln","startTime":1170.6399999999999,"endTime":1172.95,"body":"decent assumption, too. And yet,"},{"speaker":"Nick Lincoln","startTime":1170.6399999999999,"endTime":1172.95,"body":"he comes from a good place. I've"},{"speaker":"Nick Lincoln","startTime":1172.95,"endTime":1175.56,"body":"now had no doubt about that. But"},{"speaker":"Nick Lincoln","startTime":1172.95,"endTime":1175.56,"body":"it just to be so catastrophic ly"},{"speaker":"Nick Lincoln","startTime":1175.56,"endTime":1177.75,"body":"wrong about something so"},{"speaker":"Nick Lincoln","startTime":1175.56,"endTime":1177.75,"body":"important. Okay. I don't know"},{"speaker":"Nick Lincoln","startTime":1177.75,"endTime":1180.72,"body":"who put this in the so called"},{"speaker":"Nick Lincoln","startTime":1177.75,"endTime":1180.72,"body":"shownotes initial dip, open sea"},{"speaker":"Nick Lincoln","startTime":1180.72,"endTime":1181.74,"body":"NFT platform."},{"speaker":"Alan Smith","startTime":1182.46,"endTime":1188.28,"body":"I put it in. There's"},{"speaker":"Alan Smith","startTime":1182.46,"endTime":1188.28,"body":"just a point of Back to the"},{"speaker":"Alan Smith","startTime":1188.31,"endTime":1192.75,"body":"story of investing what's always"},{"speaker":"Alan Smith","startTime":1188.31,"endTime":1192.75,"body":"worked, there is there's no"},{"speaker":"Alan Smith","startTime":1192.75,"endTime":1197.61,"body":"doubt that digital digital"},{"speaker":"Alan Smith","startTime":1192.75,"endTime":1197.61,"body":"content, digital art, that there"},{"speaker":"Alan Smith","startTime":1197.61,"endTime":1199.53,"body":"is some sort of future but as"},{"speaker":"Alan Smith","startTime":1197.61,"endTime":1199.53,"body":"you remember, a couple of years"},{"speaker":"Alan Smith","startTime":1199.53,"endTime":1203.52,"body":"ago, certain people piled into"},{"speaker":"Alan Smith","startTime":1199.53,"endTime":1203.52,"body":"the concept of NF T's open seas,"},{"speaker":"Alan Smith","startTime":1203.52,"endTime":1207.45,"body":"the biggest platform by far. For"},{"speaker":"Alan Smith","startTime":1203.52,"endTime":1207.45,"body":"these digital arts one What was"},{"speaker":"Alan Smith","startTime":1207.45,"endTime":1211.29,"body":"one sold for $64 million."},{"speaker":"Alan Smith","startTime":1207.45,"endTime":1211.29,"body":"Remember people were there?"},{"speaker":"Alan Smith","startTime":1212.19,"endTime":1215.97,"body":"Yeah. And it was loads and"},{"speaker":"Alan Smith","startTime":1212.19,"endTime":1215.97,"body":"loads. It was just Yeah, it was"},{"speaker":"Alan Smith","startTime":1215.97,"endTime":1219.6,"body":"just something that was on the"},{"speaker":"Alan Smith","startTime":1215.97,"endTime":1219.6,"body":"down at 99%. In other words,"},{"speaker":"Alan Smith","startTime":1219.6299999999999,"endTime":1223.11,"body":"close to worthless, and people"},{"speaker":"Alan Smith","startTime":1219.6299999999999,"endTime":1223.11,"body":"have Yeah, is that is that from"},{"speaker":"Alan Smith","startTime":1223.11,"endTime":1225.18,"body":"the sublime to the ridiculous,"},{"speaker":"Alan Smith","startTime":1223.11,"endTime":1225.18,"body":"you've got Paul Lewis thing,"},{"speaker":"Alan Smith","startTime":1225.21,"endTime":1228.42,"body":"just put it in completely in"},{"speaker":"Alan Smith","startTime":1225.21,"endTime":1228.42,"body":"cash. You've got others who are"},{"speaker":"Alan Smith","startTime":1228.42,"endTime":1231.72,"body":"investing their savings in"},{"speaker":"Alan Smith","startTime":1228.42,"endTime":1231.72,"body":"things Like NF T's, for example,"},{"speaker":"Alan Smith","startTime":1232.11,"endTime":1235.74,"body":"both are sub optimal outcomes,"},{"speaker":"Alan Smith","startTime":1232.11,"endTime":1235.74,"body":"shall we say? So another"},{"speaker":"Alan Smith","startTime":1235.74,"endTime":1238.29,"body":"reminder to stick to what's"},{"speaker":"Alan Smith","startTime":1235.74,"endTime":1238.29,"body":"always worked."},{"speaker":"Carl Widger","startTime":1239.4289999999999,"endTime":1242.009,"body":"I could never get"},{"speaker":"Carl Widger","startTime":1239.4289999999999,"endTime":1242.009,"body":"my head around that NFT thing"},{"speaker":"Carl Widger","startTime":1242.009,"endTime":1244.739,"body":"and the digital art and you just"},{"speaker":"Carl Widger","startTime":1242.009,"endTime":1244.739,"body":"made a comment there. Alan, you"},{"speaker":"Carl Widger","startTime":1244.739,"endTime":1247.769,"body":"think there is some kind of a"},{"speaker":"Carl Widger","startTime":1244.739,"endTime":1247.769,"body":"future for digital arts? Like?"},{"speaker":"Alan Smith","startTime":1249.6589999999999,"endTime":1251.549,"body":"Definitely, I'll"},{"speaker":"Alan Smith","startTime":1249.6589999999999,"endTime":1251.549,"body":"give you a very, very simple"},{"speaker":"Alan Smith","startTime":1251.549,"endTime":1254.6689999999999,"body":"example. You've you've got your"},{"speaker":"Alan Smith","startTime":1251.549,"endTime":1254.6689999999999,"body":"kids. I don't know if they you"},{"speaker":"Alan Smith","startTime":1254.6689999999999,"endTime":1257.129,"body":"know that these online games,"},{"speaker":"Alan Smith","startTime":1254.6689999999999,"endTime":1257.129,"body":"for example, fortnight and"},{"speaker":"Alan Smith","startTime":1257.129,"endTime":1260.399,"body":"others, people actually pay real"},{"speaker":"Alan Smith","startTime":1257.129,"endTime":1260.399,"body":"money like a pound 199 or"},{"speaker":"Alan Smith","startTime":1260.399,"endTime":1263.279,"body":"whatever, to buy things which"},{"speaker":"Alan Smith","startTime":1260.399,"endTime":1263.279,"body":"don't really exist in the real"},{"speaker":"Alan Smith","startTime":1263.279,"endTime":1267.299,"body":"world. That's a very, very"},{"speaker":"Alan Smith","startTime":1263.279,"endTime":1267.299,"body":"simplistic example of, you know,"},{"speaker":"Alan Smith","startTime":1267.299,"endTime":1269.6689999999999,"body":"owning something, it is not"},{"speaker":"Alan Smith","startTime":1267.299,"endTime":1269.6689999999999,"body":"unreasonable to own something in"},{"speaker":"Alan Smith","startTime":1269.6689999999999,"endTime":1272.609,"body":"a digital environment that"},{"speaker":"Alan Smith","startTime":1269.6689999999999,"endTime":1272.609,"body":"doesn't necessarily exist. Also"},{"speaker":"Alan Smith","startTime":1272.609,"endTime":1274.739,"body":"in the physical environment."},{"speaker":"Alan Smith","startTime":1272.609,"endTime":1274.739,"body":"There is some sort there's"},{"speaker":"Alan Smith","startTime":1274.739,"endTime":1277.889,"body":"something within that and the"},{"speaker":"Alan Smith","startTime":1274.739,"endTime":1277.889,"body":"ownership of these Yeah, things."},{"speaker":"Alan Smith","startTime":1278.399,"endTime":1279.089,"body":"But people,"},{"speaker":"Carl Widger","startTime":1279.21,"endTime":1282.03,"body":"they're using them"},{"speaker":"Carl Widger","startTime":1279.21,"endTime":1282.03,"body":"in a digital so they're buying"},{"speaker":"Carl Widger","startTime":1282.03,"endTime":1284.49,"body":"guns and stuff. Is that what"},{"speaker":"Carl Widger","startTime":1282.03,"endTime":1284.49,"body":"you're saying in the game? And"},{"speaker":"Carl Widger","startTime":1284.49,"endTime":1287.3999999999999,"body":"yeah, but like to buy digital"},{"speaker":"Carl Widger","startTime":1284.49,"endTime":1287.3999999999999,"body":"archives?"},{"speaker":"Alan Smith","startTime":1288.81,"endTime":1291.03,"body":"What's the"},{"speaker":"Alan Smith","startTime":1288.81,"endTime":1291.03,"body":"difference? If I own stocks, I"},{"speaker":"Alan Smith","startTime":1291.03,"endTime":1294.45,"body":"own something one of these"},{"speaker":"Alan Smith","startTime":1291.03,"endTime":1294.45,"body":"crypto punks or monkeys,"},{"speaker":"Alan Smith","startTime":1294.45,"endTime":1297.6299999999999,"body":"whatever they were, there's"},{"speaker":"Alan Smith","startTime":1294.45,"endTime":1297.6299999999999,"body":"something attached to that. But"},{"speaker":"Alan Smith","startTime":1297.6299999999999,"endTime":1301.8899999999999,"body":"but it was certainly was never"},{"speaker":"Alan Smith","startTime":1297.6299999999999,"endTime":1301.8899999999999,"body":"worth it to my mind. Because the"},{"speaker":"Alan Smith","startTime":1301.8899999999999,"endTime":1304.26,"body":"idea is you can create"},{"speaker":"Alan Smith","startTime":1301.8899999999999,"endTime":1304.26,"body":"unlimited, there's only so many"},{"speaker":"Alan Smith","startTime":1304.3799999999999,"endTime":1307.98,"body":"paintings that ban golf could"},{"speaker":"Alan Smith","startTime":1304.3799999999999,"endTime":1307.98,"body":"paint or whoever. But use that"},{"speaker":"Alan Smith","startTime":1307.98,"endTime":1310.47,"body":"unlimited number of these"},{"speaker":"Alan Smith","startTime":1307.98,"endTime":1310.47,"body":"things. But the point, Wasn't"},{"speaker":"Carl Widger","startTime":1310.47,"endTime":1314.7,"body":"there some idiot"},{"speaker":"Carl Widger","startTime":1310.47,"endTime":1314.7,"body":"who was shredding online, his"},{"speaker":"Carl Widger","startTime":1314.7,"endTime":1318.0,"body":"paintings because he was selling"},{"speaker":"Carl Widger","startTime":1314.7,"endTime":1318.0,"body":"them by nfts, or something as"},{"speaker":"Carl Widger","startTime":1318.0,"endTime":1318.27,"body":"well."},{"speaker":"Alan Smith","startTime":1318.42,"endTime":1319.95,"body":"There was crazy"},{"speaker":"Alan Smith","startTime":1318.42,"endTime":1319.95,"body":"stuff"},{"speaker":"Nick Lincoln","startTime":1319.95,"endTime":1325.3799999999999,"body":"is going on the"},{"speaker":"Nick Lincoln","startTime":1319.95,"endTime":1325.3799999999999,"body":"Darwin Award for 2023. Yeah."},{"speaker":"Nick Lincoln","startTime":1325.53,"endTime":1330.36,"body":"Okay. Watch the Metis Christmas"},{"speaker":"Nick Lincoln","startTime":1325.53,"endTime":1330.36,"body":"party. Yes,"},{"speaker":"Carl Widger","startTime":1330.36,"endTime":1334.17,"body":"yes. So we're"},{"speaker":"Carl Widger","startTime":1330.36,"endTime":1334.17,"body":"recording this before Thursday."},{"speaker":"Carl Widger","startTime":1334.17,"endTime":1338.97,"body":"But on Thursday, when this goes"},{"speaker":"Carl Widger","startTime":1334.17,"endTime":1338.97,"body":"out, the Metis team gathers in"},{"speaker":"Carl Widger","startTime":1338.97,"endTime":1344.07,"body":"Dublin for our annual Christmas"},{"speaker":"Carl Widger","startTime":1338.97,"endTime":1344.07,"body":"party. Now what we decided to do"},{"speaker":"Carl Widger","startTime":1344.07,"endTime":1351.27,"body":"this year was to try and give"},{"speaker":"Carl Widger","startTime":1344.07,"endTime":1351.27,"body":"back VR Christmas party. So we"},{"speaker":"Carl Widger","startTime":1351.27,"endTime":1354.84,"body":"are we've taken two tables, at"},{"speaker":"Carl Widger","startTime":1351.27,"endTime":1354.84,"body":"the cleaners Foundation,"},{"speaker":"Carl Widger","startTime":1354.87,"endTime":1359.61,"body":"Christmas ball. So all of the"},{"speaker":"Carl Widger","startTime":1354.87,"endTime":1359.61,"body":"money for that we've paid for"},{"speaker":"Carl Widger","startTime":1359.61,"endTime":1363.21,"body":"our two tables is going to clean"},{"speaker":"Carl Widger","startTime":1359.61,"endTime":1363.21,"body":"this foundation, which is a"},{"speaker":"Carl Widger","startTime":1363.21,"endTime":1368.58,"body":"charity to help families who"},{"speaker":"Carl Widger","startTime":1363.21,"endTime":1368.58,"body":"have sick very sick kids. So"},{"speaker":"Carl Widger","startTime":1368.58,"endTime":1371.3999999999999,"body":"it's a great charity, I've"},{"speaker":"Carl Widger","startTime":1368.58,"endTime":1371.3999999999999,"body":"probably spoken here about them"},{"speaker":"Carl Widger","startTime":1371.3999999999999,"endTime":1375.18,"body":"before I support them an awful"},{"speaker":"Carl Widger","startTime":1371.3999999999999,"endTime":1375.18,"body":"lot. I think they do"},{"speaker":"Carl Widger","startTime":1375.24,"endTime":1384.84,"body":"unbelievable. And kind of in the"},{"speaker":"Carl Widger","startTime":1375.24,"endTime":1384.84,"body":"background work. So it's"},{"speaker":"Carl Widger","startTime":1385.62,"endTime":1389.7,"body":"probably probably too, too late"},{"speaker":"Carl Widger","startTime":1385.62,"endTime":1389.7,"body":"to bring it up this year. But"},{"speaker":"Carl Widger","startTime":1389.7,"endTime":1393.21,"body":"maybe it's an idea, you know,"},{"speaker":"Carl Widger","startTime":1389.7,"endTime":1393.21,"body":"can you Is there a way of you"},{"speaker":"Carl Widger","startTime":1393.21,"endTime":1396.3899999999999,"body":"know, supporting a charity via"},{"speaker":"Carl Widger","startTime":1393.21,"endTime":1396.3899999999999,"body":"your Christmas party. It's not"},{"speaker":"Carl Widger","startTime":1396.3899999999999,"endTime":1399.12,"body":"to say we're not going to, you"},{"speaker":"Carl Widger","startTime":1396.3899999999999,"endTime":1399.12,"body":"know, have a lot of drinks and"},{"speaker":"Carl Widger","startTime":1399.1499999999999,"endTime":1402.3899999999999,"body":"have a great time and probably"},{"speaker":"Carl Widger","startTime":1399.1499999999999,"endTime":1402.3899999999999,"body":"have a lot too many drinks and"},{"speaker":"Carl Widger","startTime":1402.3899999999999,"endTime":1405.84,"body":"all that we're still going to do"},{"speaker":"Carl Widger","startTime":1402.3899999999999,"endTime":1405.84,"body":"our Christmas party. But instead"},{"speaker":"Carl Widger","startTime":1405.84,"endTime":1408.09,"body":"of you know, just putting the"},{"speaker":"Carl Widger","startTime":1405.84,"endTime":1408.09,"body":"money somewhere else, we're"},{"speaker":"Carl Widger","startTime":1408.09,"endTime":1412.92,"body":"giving it to a charity. So and"},{"speaker":"Carl Widger","startTime":1408.09,"endTime":1412.92,"body":"then also, they'll also see that"},{"speaker":"Carl Widger","startTime":1412.92,"endTime":1416.1,"body":"I was deeply uncomfortable with"},{"speaker":"Carl Widger","startTime":1412.92,"endTime":1416.1,"body":"the content of some who today's"},{"speaker":"Carl Widger","startTime":1417.21,"endTime":1421.8899999999999,"body":"owing to the Irish versus UK"},{"speaker":"Carl Widger","startTime":1417.21,"endTime":1421.8899999999999,"body":"cultural differences."},{"speaker":"Carl Widger","startTime":1430.5,"endTime":1433.29,"body":"However, I do not think that the"},{"speaker":"Carl Widger","startTime":1430.5,"endTime":1433.29,"body":"cultural differences between"},{"speaker":"Carl Widger","startTime":1433.29,"endTime":1436.68,"body":"Ireland and the UK are so great"},{"speaker":"Carl Widger","startTime":1433.29,"endTime":1436.68,"body":"that the people in the UK would"},{"speaker":"Carl Widger","startTime":1436.71,"endTime":1439.8,"body":"also like to support some"},{"speaker":"Carl Widger","startTime":1436.71,"endTime":1439.8,"body":"charities around Christmas time."},{"speaker":"Carl Widger","startTime":1439.98,"endTime":1442.32,"body":"Hence, I brought it up. But"},{"speaker":"Carl Widger","startTime":1439.98,"endTime":1442.32,"body":"anyway, I"},{"speaker":"Alan Smith","startTime":1442.32,"endTime":1444.12,"body":"think that makes no"},{"speaker":"Alan Smith","startTime":1442.32,"endTime":1444.12,"body":"sense. I think it makes it I"},{"speaker":"Alan Smith","startTime":1444.12,"endTime":1446.94,"body":"think it's a great idea, Carl,"},{"speaker":"Alan Smith","startTime":1444.12,"endTime":1446.94,"body":"because the day when this"},{"speaker":"Alan Smith","startTime":1446.97,"endTime":1452.43,"body":"podcast comes out, my team and I"},{"speaker":"Alan Smith","startTime":1446.97,"endTime":1452.43,"body":"will be indulging in cocktail"},{"speaker":"Alan Smith","startTime":1452.43,"endTime":1454.8,"body":"making. We're all going in a"},{"speaker":"Alan Smith","startTime":1452.43,"endTime":1454.8,"body":"cocktail to some some"},{"speaker":"Alan Smith","startTime":1454.8,"endTime":1457.29,"body":"organization that helps you"},{"speaker":"Alan Smith","startTime":1454.8,"endTime":1457.29,"body":"teaches you how to make all"},{"speaker":"Alan Smith","startTime":1457.29,"endTime":1460.35,"body":"these weird and wonderful"},{"speaker":"Alan Smith","startTime":1457.29,"endTime":1460.35,"body":"alcoholic and non alcoholic"},{"speaker":"Alan Smith","startTime":1460.62,"endTime":1463.6499999999999,"body":"cocktails. So that's we're gonna"},{"speaker":"Alan Smith","startTime":1460.62,"endTime":1463.6499999999999,"body":"have a lot of fun doing that,"},{"speaker":"Alan Smith","startTime":1463.6499999999999,"endTime":1465.75,"body":"then we're going for lunch and"},{"speaker":"Alan Smith","startTime":1463.6499999999999,"endTime":1465.75,"body":"dinner or whatever we're doing."},{"speaker":"Alan Smith","startTime":1466.98,"endTime":1469.29,"body":"getting the team together, but"},{"speaker":"Alan Smith","startTime":1466.98,"endTime":1469.29,"body":"it's a nice idea to go and do"},{"speaker":"Alan Smith","startTime":1469.29,"endTime":1472.44,"body":"that somewhere where it's"},{"speaker":"Alan Smith","startTime":1469.29,"endTime":1472.44,"body":"supporting people who haven't"},{"speaker":"Alan Smith","startTime":1472.44,"endTime":1476.04,"body":"had quite such a good time in"},{"speaker":"Alan Smith","startTime":1472.44,"endTime":1476.04,"body":"recent months or years. So good"},{"speaker":"Alan Smith","startTime":1476.04,"endTime":1476.94,"body":"shout cow. Well done."},{"speaker":"Nick Lincoln","startTime":1477.42,"endTime":1479.94,"body":"Thank you. Yeah,"},{"speaker":"Nick Lincoln","startTime":1477.42,"endTime":1479.94,"body":"good luck. And sticking with you"},{"speaker":"Nick Lincoln","startTime":1479.94,"endTime":1483.24,"body":"voice central bank roadshow."},{"speaker":"Nick Lincoln","startTime":1479.94,"endTime":1483.24,"body":"This sounds incredibly exciting."},{"speaker":"Carl Widger","startTime":1484.2,"endTime":1487.8899999999999,"body":"Well, to give them"},{"speaker":"Carl Widger","startTime":1484.2,"endTime":1487.8899999999999,"body":"credit, the Central Bank of"},{"speaker":"Carl Widger","startTime":1487.8899999999999,"endTime":1492.06,"body":"Ireland do a roadshow every year"},{"speaker":"Carl Widger","startTime":1487.8899999999999,"endTime":1492.06,"body":"and they go to Dublin and then"},{"speaker":"Carl Widger","startTime":1492.09,"endTime":1497.85,"body":"another venue outside of Dublin"},{"speaker":"Carl Widger","startTime":1492.09,"endTime":1497.85,"body":"and it's to kind of give the the"},{"speaker":"Carl Widger","startTime":1498.09,"endTime":1502.29,"body":"intermediaries IFA, as you guys"},{"speaker":"Carl Widger","startTime":1498.09,"endTime":1502.29,"body":"know them, I feel for what has"},{"speaker":"Carl Widger","startTime":1502.29,"endTime":1507.1499999999999,"body":"gone on on hot is coming down"},{"speaker":"Carl Widger","startTime":1502.29,"endTime":1507.1499999999999,"body":"the line. So to be fair, it was"},{"speaker":"Carl Widger","startTime":1507.18,"endTime":1510.84,"body":"it's good to kind of get to know"},{"speaker":"Carl Widger","startTime":1507.18,"endTime":1510.84,"body":"them a little bit more and you"},{"speaker":"Carl Widger","startTime":1510.84,"endTime":1513.24,"body":"know, the central bank can be"},{"speaker":"Carl Widger","startTime":1510.84,"endTime":1513.24,"body":"this like scary thing in the"},{"speaker":"Carl Widger","startTime":1513.24,"endTime":1517.29,"body":"background. But to get to know"},{"speaker":"Carl Widger","startTime":1513.24,"endTime":1517.29,"body":"them is definitely definitely a"},{"speaker":"Carl Widger","startTime":1517.29,"endTime":1521.76,"body":"good thing. So well done to them"},{"speaker":"Carl Widger","startTime":1517.29,"endTime":1521.76,"body":"for doing it. However, there are"},{"speaker":"Carl Widger","startTime":1521.76,"endTime":1525.57,"body":"two big things, which I've"},{"speaker":"Carl Widger","startTime":1521.76,"endTime":1525.57,"body":"spoken about a lot. Number one"},{"speaker":"Carl Widger","startTime":1527.31,"endTime":1531.48,"body":"are we going to introduce an RDR"},{"speaker":"Carl Widger","startTime":1527.31,"endTime":1531.48,"body":"or type arrangements or ban on"},{"speaker":"Carl Widger","startTime":1531.48,"endTime":1537.3,"body":"commissions. In his opening"},{"speaker":"Carl Widger","startTime":1531.48,"endTime":1537.3,"body":"remarks. He said spoiler alert,"},{"speaker":"Carl Widger","startTime":1537.3,"endTime":1542.04,"body":"we haven't any plans to have a"},{"speaker":"Carl Widger","startTime":1537.3,"endTime":1542.04,"body":"ban on commission. So straight"},{"speaker":"Carl Widger","startTime":1542.04,"endTime":1546.3899999999999,"body":"off, I'm like God, Jesus Come"},{"speaker":"Carl Widger","startTime":1542.04,"endTime":1546.3899999999999,"body":"on. So that's a little bit dis"},{"speaker":"Carl Widger","startTime":1546.3899999999999,"endTime":1550.74,"body":"more than a little bit"},{"speaker":"Carl Widger","startTime":1546.3899999999999,"endTime":1550.74,"body":"disappointing. Matters is 10"},{"speaker":"Carl Widger","startTime":1550.74,"endTime":1555.8999999999999,"body":"years old next year, and 10"},{"speaker":"Carl Widger","startTime":1550.74,"endTime":1555.8999999999999,"body":"years ago, I set up models for"},{"speaker":"Carl Widger","startTime":1555.8999999999999,"endTime":1559.86,"body":"measures to be ready for RDR."},{"speaker":"Carl Widger","startTime":1555.8999999999999,"endTime":1559.86,"body":"And in Ireland, and 10 years"},{"speaker":"Carl Widger","startTime":1559.86,"endTime":1563.43,"body":"later, it's still not even on"},{"speaker":"Carl Widger","startTime":1559.86,"endTime":1563.43,"body":"the agenda. So that's a little"},{"speaker":"Carl Widger","startTime":1563.43,"endTime":1566.1299999999999,"body":"bit disappointing for me to be"},{"speaker":"Carl Widger","startTime":1563.43,"endTime":1566.1299999999999,"body":"honest. And then the second"},{"speaker":"Carl Widger","startTime":1566.1299999999999,"endTime":1570.78,"body":"thing was that I've been going"},{"speaker":"Carl Widger","startTime":1566.1299999999999,"endTime":1570.78,"body":"on about a good bit is brokers,"},{"speaker":"Carl Widger","startTime":1570.78,"endTime":1573.12,"body":"intermediaries, ifas, whatever"},{"speaker":"Carl Widger","startTime":1570.78,"endTime":1573.12,"body":"you want to call them selling"},{"speaker":"Carl Widger","startTime":1573.1499999999999,"endTime":1576.87,"body":"unregulated products, so low"},{"speaker":"Carl Widger","startTime":1573.1499999999999,"endTime":1576.87,"body":"notes and solar, we spoken about"},{"speaker":"Carl Widger","startTime":1576.87,"endTime":1581.04,"body":"solar, that kind of stuff. And"},{"speaker":"Carl Widger","startTime":1576.87,"endTime":1581.04,"body":"they just reiterated that you"},{"speaker":"Carl Widger","startTime":1581.04,"endTime":1583.62,"body":"need to be very careful if"},{"speaker":"Carl Widger","startTime":1581.04,"endTime":1583.62,"body":"you're selling unregulated"},{"speaker":"Carl Widger","startTime":1583.62,"endTime":1586.4099999999999,"body":"products that you need to do"},{"speaker":"Carl Widger","startTime":1583.62,"endTime":1586.4099999999999,"body":"this, that and the other right,"},{"speaker":"Carl Widger","startTime":1586.4099999999999,"endTime":1589.44,"body":"which is, you know, you can't"},{"speaker":"Carl Widger","startTime":1586.4099999999999,"endTime":1589.44,"body":"push it on your head at paper"},{"speaker":"Carl Widger","startTime":1589.44,"endTime":1591.6599999999999,"body":"where you've say that you're"},{"speaker":"Carl Widger","startTime":1589.44,"endTime":1591.6599999999999,"body":"regulated by the Central Bank,"},{"speaker":"Carl Widger","startTime":1591.6599999999999,"endTime":1596.79,"body":"because the consumer protections"},{"speaker":"Carl Widger","startTime":1591.6599999999999,"endTime":1596.79,"body":"don't apply, etc, etc. But we"},{"speaker":"Carl Widger","startTime":1596.79,"endTime":1600.24,"body":"knew all that, well, at least we"},{"speaker":"Carl Widger","startTime":1596.79,"endTime":1600.24,"body":"know all of that. I'm assuming"},{"speaker":"Carl Widger","startTime":1600.6599999999999,"endTime":1603.33,"body":"the people who are selling"},{"speaker":"Carl Widger","startTime":1600.6599999999999,"endTime":1603.33,"body":"unregulated products already"},{"speaker":"Carl Widger","startTime":1603.33,"endTime":1606.6,"body":"know this. So to reaffirm this"},{"speaker":"Carl Widger","startTime":1603.33,"endTime":1606.6,"body":"was a little bit disappointing,"},{"speaker":"Carl Widger","startTime":1606.96,"endTime":1611.1599999999999,"body":"but to be fair to them, other"},{"speaker":"Carl Widger","startTime":1606.96,"endTime":1611.1599999999999,"body":"than the batting it, you know,"},{"speaker":"Carl Widger","startTime":1611.1599999999999,"endTime":1615.21,"body":"reaffirming it was probably the"},{"speaker":"Carl Widger","startTime":1611.1599999999999,"endTime":1615.21,"body":"next best thing. Apparently, no,"},{"speaker":"Carl Widger","startTime":1615.21,"endTime":1618.54,"body":"this was not said at the by the"},{"speaker":"Carl Widger","startTime":1615.21,"endTime":1618.54,"body":"central bank. But apparently"},{"speaker":"Carl Widger","startTime":1618.54,"endTime":1622.44,"body":"there's some legal issues around"},{"speaker":"Carl Widger","startTime":1618.54,"endTime":1622.44,"body":"why they can't ban it. i That's"},{"speaker":"Carl Widger","startTime":1622.47,"endTime":1625.74,"body":"anecdotally was was sent to me,"},{"speaker":"Carl Widger","startTime":1622.47,"endTime":1625.74,"body":"so I'm not sure if that's the"},{"speaker":"Carl Widger","startTime":1625.74,"endTime":1631.6499999999999,"body":"case. So look, I was a little"},{"speaker":"Carl Widger","startTime":1625.74,"endTime":1631.6499999999999,"body":"bit disappointed with the I"},{"speaker":"Carl Widger","startTime":1631.6499999999999,"endTime":1634.98,"body":"suppose with the with the"},{"speaker":"Carl Widger","startTime":1631.6499999999999,"endTime":1634.98,"body":"outcome of the meeting, albeit I"},{"speaker":"Carl Widger","startTime":1634.98,"endTime":1638.04,"body":"would say yeah, Central Bank,"},{"speaker":"Carl Widger","startTime":1634.98,"endTime":1638.04,"body":"well known for doing it, it is"},{"speaker":"Carl Widger","startTime":1638.04,"endTime":1645.51,"body":"good to do it. But I just love"},{"speaker":"Carl Widger","startTime":1638.04,"endTime":1645.51,"body":"more. Just let's get let's get"},{"speaker":"Carl Widger","startTime":1645.54,"endTime":1647.61,"body":"let's get on with the big stuff"},{"speaker":"Carl Widger","startTime":1645.54,"endTime":1647.61,"body":"here. Let's get on with the"},{"speaker":"Carl Widger","startTime":1647.61,"endTime":1651.57,"body":"stuff that's actually going to"},{"speaker":"Carl Widger","startTime":1647.61,"endTime":1651.57,"body":"really help the consumers rather"},{"speaker":"Carl Widger","startTime":1651.57,"endTime":1654.72,"body":"than, you know, putting"},{"speaker":"Carl Widger","startTime":1651.57,"endTime":1654.72,"body":"regulation in place that you"},{"speaker":"Carl Widger","startTime":1654.75,"endTime":1657.3,"body":"can't really manage or monitor"},{"speaker":"Carl Widger","startTime":1654.75,"endTime":1657.3,"body":"properly."},{"speaker":"Andy Hart","startTime":1658.32,"endTime":1660.78,"body":"You are saying that"},{"speaker":"Andy Hart","startTime":1658.32,"endTime":1660.78,"body":"they're not gonna know what"},{"speaker":"Andy Hart","startTime":1660.78,"endTime":1664.2,"body":"you're doing do any movement"},{"speaker":"Andy Hart","startTime":1660.78,"endTime":1664.2,"body":"towards banning commission, then"},{"speaker":"Andy Hart","startTime":1664.26,"endTime":1667.5,"body":"you're years away from it? That"},{"speaker":"Andy Hart","startTime":1664.26,"endTime":1667.5,"body":"sounds like they're not even,"},{"speaker":"Andy Hart","startTime":1667.68,"endTime":1671.79,"body":"they don't even have it on the"},{"speaker":"Andy Hart","startTime":1667.68,"endTime":1671.79,"body":"project list. So that might be"},{"speaker":"Andy Hart","startTime":1671.79,"endTime":1673.95,"body":"just the state of play that"},{"speaker":"Andy Hart","startTime":1671.79,"endTime":1673.95,"body":"you've got to work within which"},{"speaker":"Andy Hart","startTime":1673.95,"endTime":1676.4099999999999,"body":"obviously you are doing and"},{"speaker":"Andy Hart","startTime":1673.95,"endTime":1676.4099999999999,"body":"everybody is working within. But"},{"speaker":"Andy Hart","startTime":1676.4099999999999,"endTime":1678.51,"body":"yeah, somewhat disappointing,"},{"speaker":"Andy Hart","startTime":1676.4099999999999,"endTime":1678.51,"body":"I'm sure"},{"speaker":"Carl Widger","startTime":1679.62,"endTime":1682.56,"body":"100% agree with"},{"speaker":"Carl Widger","startTime":1679.62,"endTime":1682.56,"body":"Andy. Yeah, it's not going to"},{"speaker":"Carl Widger","startTime":1682.56,"endTime":1683.49,"body":"come anytime soon."},{"speaker":"Alan Smith","startTime":1683.76,"endTime":1686.6399999999999,"body":"As Ireland call"},{"speaker":"Alan Smith","startTime":1683.76,"endTime":1686.6399999999999,"body":"historically followed the UK"},{"speaker":"Alan Smith","startTime":1686.6399999999999,"endTime":1690.36,"body":"somewhat in I've heard the UK"},{"speaker":"Alan Smith","startTime":1686.6399999999999,"endTime":1690.36,"body":"regulatory system is followed by"},{"speaker":"Alan Smith","startTime":1690.36,"endTime":1694.2,"body":"a lot around the world is a leak"},{"speaker":"Alan Smith","startTime":1690.36,"endTime":1694.2,"body":"considered a leading environment"},{"speaker":"Alan Smith","startTime":1694.2,"endTime":1696.54,"body":"for you know, regulation and"},{"speaker":"Alan Smith","startTime":1694.2,"endTime":1696.54,"body":"consumer protection, all that"},{"speaker":"Alan Smith","startTime":1696.54,"endTime":1699.6299999999999,"body":"sort of stuff? Have they in the"},{"speaker":"Alan Smith","startTime":1696.54,"endTime":1699.6299999999999,"body":"past? Do you have any other"},{"speaker":"Alan Smith","startTime":1699.6299999999999,"endTime":1702.93,"body":"versions of the structures that"},{"speaker":"Alan Smith","startTime":1699.6299999999999,"endTime":1702.93,"body":"we've we've gotten the"},{"speaker":"Alan Smith","startTime":1702.93,"endTime":1705.1499999999999,"body":"independence modeling"},{"speaker":"Alan Smith","startTime":1702.93,"endTime":1705.1499999999999,"body":"qualification levels? And"},{"speaker":"Carl Widger","startTime":1705.6299999999999,"endTime":1708.48,"body":"yeah, we have like,"},{"speaker":"Carl Widger","startTime":1705.6299999999999,"endTime":1708.48,"body":"like, there are some things that"},{"speaker":"Carl Widger","startTime":1708.48,"endTime":1714.24,"body":"are more stringent here. One of"},{"speaker":"Carl Widger","startTime":1708.48,"endTime":1714.24,"body":"them being for example. Your"},{"speaker":"Carl Widger","startTime":1714.3,"endTime":1717.09,"body":"accounts every year, you guys"},{"speaker":"Carl Widger","startTime":1714.3,"endTime":1717.09,"body":"don't have to publish your"},{"speaker":"Carl Widger","startTime":1717.09,"endTime":1719.1299999999999,"body":"accounts, we have to publish"},{"speaker":"Carl Widger","startTime":1717.09,"endTime":1719.1299999999999,"body":"your accounts, which I think is"},{"speaker":"Carl Widger","startTime":1719.1299999999999,"endTime":1721.92,"body":"good, because it stops people"},{"speaker":"Carl Widger","startTime":1719.1299999999999,"endTime":1721.92,"body":"bullshitting and saying that"},{"speaker":"Carl Widger","startTime":1721.92,"endTime":1724.05,"body":"they're doing so great and"},{"speaker":"Carl Widger","startTime":1721.92,"endTime":1724.05,"body":"whatever. Right. So I think"},{"speaker":"Carl Widger","startTime":1724.05,"endTime":1729.6299999999999,"body":"that's actually quite good. And"},{"speaker":"Carl Widger","startTime":1724.05,"endTime":1729.6299999999999,"body":"like, you know, in terms of"},{"speaker":"Carl Widger","startTime":1729.72,"endTime":1734.01,"body":"writing your recommendation"},{"speaker":"Carl Widger","startTime":1729.72,"endTime":1734.01,"body":"letters, you know, not being"},{"speaker":"Carl Widger","startTime":1734.01,"endTime":1736.62,"body":"calling yourself independent, if"},{"speaker":"Carl Widger","startTime":1734.01,"endTime":1736.62,"body":"you're not looking at the whole"},{"speaker":"Carl Widger","startTime":1736.62,"endTime":1741.0,"body":"market that so look, it is it is"},{"speaker":"Carl Widger","startTime":1736.62,"endTime":1741.0,"body":"there is it's come on in"},{"speaker":"Carl Widger","startTime":1741.03,"endTime":1744.87,"body":"absolute leaps and bounds since"},{"speaker":"Carl Widger","startTime":1741.03,"endTime":1744.87,"body":"the financial crisis, no doubt"},{"speaker":"Carl Widger","startTime":1744.87,"endTime":1750.8999999999999,"body":"about that. But it's at the same"},{"speaker":"Carl Widger","startTime":1744.87,"endTime":1750.8999999999999,"body":"time, it's, there's there's just"},{"speaker":"Carl Widger","startTime":1750.8999999999999,"endTime":1753.87,"body":"some things that I think if"},{"speaker":"Carl Widger","startTime":1750.8999999999999,"endTime":1753.87,"body":"we're like, everyone has to be"},{"speaker":"Carl Widger","startTime":1753.87,"endTime":1759.1499999999999,"body":"around the consumer here. And,"},{"speaker":"Carl Widger","startTime":1753.87,"endTime":1759.1499999999999,"body":"you know, look, I met a I met an"},{"speaker":"Carl Widger","startTime":1759.1499999999999,"endTime":1762.6599999999999,"body":"accountant, managing partner of"},{"speaker":"Carl Widger","startTime":1759.1499999999999,"endTime":1762.6599999999999,"body":"a pretty large accountancy"},{"speaker":"Carl Widger","startTime":1762.6599999999999,"endTime":1765.93,"body":"practice within the last two"},{"speaker":"Carl Widger","startTime":1762.6599999999999,"endTime":1765.93,"body":"weeks. And he made one statement"},{"speaker":"Carl Widger","startTime":1765.93,"endTime":1769.95,"body":"to me and it just rang so true."},{"speaker":"Carl Widger","startTime":1765.93,"endTime":1769.95,"body":"He said, Why does every"},{"speaker":"Carl Widger","startTime":1769.95,"endTime":1775.68,"body":"financial advisor I, I know,"},{"speaker":"Carl Widger","startTime":1769.95,"endTime":1775.68,"body":"drive a Range Rover, and icon is"},{"speaker":"Carl Widger","startTime":1775.68,"endTime":1779.46,"body":"probably gonna piss a whole lot"},{"speaker":"Carl Widger","startTime":1775.68,"endTime":1779.46,"body":"of people off. But the reason is"},{"speaker":"Carl Widger","startTime":1779.49,"endTime":1783.0,"body":"that there's very high"},{"speaker":"Carl Widger","startTime":1779.49,"endTime":1783.0,"body":"commissions still being paid"},{"speaker":"Carl Widger","startTime":1783.0,"endTime":1787.3799999999999,"body":"out. And people are, you know,"},{"speaker":"Carl Widger","startTime":1783.0,"endTime":1787.3799999999999,"body":"churning pension funds from one"},{"speaker":"Carl Widger","startTime":1787.4099999999999,"endTime":1791.01,"body":"provider to the next to the"},{"speaker":"Carl Widger","startTime":1787.4099999999999,"endTime":1791.01,"body":"next. And, you know, the"},{"speaker":"Carl Widger","startTime":1791.01,"endTime":1794.52,"body":"providers have to stand up and"},{"speaker":"Carl Widger","startTime":1791.01,"endTime":1794.52,"body":"answer this question. Why are"},{"speaker":"Carl Widger","startTime":1794.52,"endTime":1797.6399999999999,"body":"you pissed off when business"},{"speaker":"Carl Widger","startTime":1794.52,"endTime":1797.6399999999999,"body":"leaves you and then you'll"},{"speaker":"Carl Widger","startTime":1797.67,"endTime":1801.3899999999999,"body":"you'll leak is out that the"},{"speaker":"Carl Widger","startTime":1797.67,"endTime":1801.3899999999999,"body":"persistency rate for XYZ"},{"speaker":"Carl Widger","startTime":1801.3899999999999,"endTime":1806.3999999999999,"body":"brokerage is very poor. On the"},{"speaker":"Carl Widger","startTime":1801.3899999999999,"endTime":1806.3999999999999,"body":"same time, ABC brokerage will"},{"speaker":"Carl Widger","startTime":1806.3999999999999,"endTime":1808.44,"body":"approach you and say, Can you"},{"speaker":"Carl Widger","startTime":1806.3999999999999,"endTime":1808.44,"body":"give me a deal of a load of"},{"speaker":"Carl Widger","startTime":1808.44,"endTime":1811.2,"body":"business, I'm going to transfer"},{"speaker":"Carl Widger","startTime":1808.44,"endTime":1811.2,"body":"from the other provider over"},{"speaker":"Carl Widger","startTime":1811.2,"endTime":1814.5,"body":"there. So you can talk out of"},{"speaker":"Carl Widger","startTime":1811.2,"endTime":1814.5,"body":"both sides of your mouth. It's"},{"speaker":"Carl Widger","startTime":1814.53,"endTime":1818.34,"body":"it has to be, you know, good,"},{"speaker":"Carl Widger","startTime":1814.53,"endTime":1818.34,"body":"good on both sides. And, you"},{"speaker":"Carl Widger","startTime":1818.34,"endTime":1823.26,"body":"know, one thing that I've often"},{"speaker":"Carl Widger","startTime":1818.34,"endTime":1823.26,"body":"said is, you know, failing that"},{"speaker":"Carl Widger","startTime":1823.26,"endTime":1828.06,"body":"we're not going to bring in RDR."},{"speaker":"Carl Widger","startTime":1823.26,"endTime":1828.06,"body":"What about banning commissions"},{"speaker":"Carl Widger","startTime":1828.24,"endTime":1832.77,"body":"on pension transfers? because"},{"speaker":"Carl Widger","startTime":1828.24,"endTime":1832.77,"body":"you've got paid originally when"},{"speaker":"Carl Widger","startTime":1832.77,"endTime":1836.85,"body":"the money came in. So just"},{"speaker":"Carl Widger","startTime":1832.77,"endTime":1836.85,"body":"Spanish, I'm sure the providers"},{"speaker":"Carl Widger","startTime":1836.85,"endTime":1839.28,"body":"would love that. Because they"},{"speaker":"Carl Widger","startTime":1836.85,"endTime":1839.28,"body":"don't have to pay out any"},{"speaker":"Carl Widger","startTime":1839.28,"endTime":1842.61,"body":"Commission's, but it stops, exit"},{"speaker":"Carl Widger","startTime":1839.28,"endTime":1842.61,"body":"penalties or stops all of that"},{"speaker":"Carl Widger","startTime":1842.61,"endTime":1845.1299999999999,"body":"kind of stuff. Now, someone"},{"speaker":"Carl Widger","startTime":1842.61,"endTime":1845.1299999999999,"body":"mentioned pensions,"},{"speaker":"Carl Widger","startTime":1845.1599999999999,"endTime":1848.55,"body":"simplification, we are heading"},{"speaker":"Carl Widger","startTime":1845.1599999999999,"endTime":1848.55,"body":"for pension simplification,"},{"speaker":"Carl Widger","startTime":1848.55,"endTime":1851.85,"body":"although it's very complex."},{"speaker":"Carl Widger","startTime":1848.55,"endTime":1851.85,"body":"While we're on the road to get"},{"speaker":"Carl Widger","startTime":1851.85,"endTime":1852.78,"body":"there, right? We"},{"speaker":"Alan Smith","startTime":1852.78,"endTime":1855.27,"body":"will get here we've"},{"speaker":"Alan Smith","startTime":1852.78,"endTime":1855.27,"body":"got it and it has, it's not very"},{"speaker":"Alan Smith","startTime":1855.27,"endTime":1856.59,"body":"simple, I can tell you well,"},{"speaker":"Carl Widger","startTime":1856.59,"endTime":1858.75,"body":"it is going to be"},{"speaker":"Carl Widger","startTime":1856.59,"endTime":1858.75,"body":"much simpler here. And I do"},{"speaker":"Carl Widger","startTime":1858.75,"endTime":1862.53,"body":"think our pensions system is"},{"speaker":"Carl Widger","startTime":1858.75,"endTime":1862.53,"body":"really, really good and like"},{"speaker":"Carl Widger","startTime":1862.53,"endTime":1865.17,"body":"pension freedoms that you guys"},{"speaker":"Carl Widger","startTime":1862.53,"endTime":1865.17,"body":"brought in, we had them for"},{"speaker":"Carl Widger","startTime":1865.17,"endTime":1868.53,"body":"probably 1015 years before you"},{"speaker":"Carl Widger","startTime":1865.17,"endTime":1868.53,"body":"guys. So there has been some"},{"speaker":"Carl Widger","startTime":1868.53,"endTime":1872.25,"body":"really good stuff on the pension"},{"speaker":"Carl Widger","startTime":1868.53,"endTime":1872.25,"body":"freedoms. In PSAs, you know,"},{"speaker":"Carl Widger","startTime":1872.25,"endTime":1874.95,"body":"there's limits and hot chicken"},{"speaker":"Carl Widger","startTime":1872.25,"endTime":1874.95,"body":"pot, you can charge and blah,"},{"speaker":"Carl Widger","startTime":1874.95,"endTime":1878.55,"body":"blah, blah, but at the same"},{"speaker":"Carl Widger","startTime":1874.95,"endTime":1878.55,"body":"time, because the market is"},{"speaker":"Carl Widger","startTime":1878.55,"endTime":1882.3,"body":"entirely headed down the pier as"},{"speaker":"Carl Widger","startTime":1878.55,"endTime":1882.3,"body":"a route, all of the companies,"},{"speaker":"Carl Widger","startTime":1882.3,"endTime":1884.8799999999999,"body":"all of the providers now are"},{"speaker":"Carl Widger","startTime":1882.3,"endTime":1884.8799999999999,"body":"coming out with loads of"},{"speaker":"Carl Widger","startTime":1884.8799999999999,"endTime":1889.59,"body":"different versions. So we'll get"},{"speaker":"Carl Widger","startTime":1884.8799999999999,"endTime":1889.59,"body":"I think we got from one one"},{"speaker":"Carl Widger","startTime":1889.59,"endTime":1894.45,"body":"provider of 48 different"},{"speaker":"Carl Widger","startTime":1889.59,"endTime":1894.45,"body":"commission models on therapy or"},{"speaker":"Carl Widger","startTime":1894.45,"endTime":1898.17,"body":"assays. So they have got"},{"speaker":"Carl Widger","startTime":1894.45,"endTime":1898.17,"body":"approved by the pensions of"},{"speaker":"Carl Widger","startTime":1898.17,"endTime":1903.18,"body":"Harvey. Yeah, it's bullshit. And"},{"speaker":"Carl Widger","startTime":1898.17,"endTime":1903.18,"body":"it's basically why they're 48"},{"speaker":"Carl Widger","startTime":1903.18,"endTime":1907.32,"body":"models for the different ways of"},{"speaker":"Carl Widger","startTime":1903.18,"endTime":1907.32,"body":"paying brokers. Anyway, I'm"},{"speaker":"Carl Widger","startTime":1907.32,"endTime":1911.43,"body":"going to get I this was not on"},{"speaker":"Carl Widger","startTime":1907.32,"endTime":1911.43,"body":"my agenda. Today, I know to get"},{"speaker":"Carl Widger","startTime":1911.43,"endTime":1914.52,"body":"struggle up about this, but I"},{"speaker":"Carl Widger","startTime":1911.43,"endTime":1914.52,"body":"feel very passionately that"},{"speaker":"Carl Widger","startTime":1914.52,"endTime":1918.27,"body":"there are things we should be"},{"speaker":"Carl Widger","startTime":1914.52,"endTime":1918.27,"body":"doing in our business in our"},{"speaker":"Carl Widger","startTime":1918.27,"endTime":1920.94,"body":"profession, if we want to make"},{"speaker":"Carl Widger","startTime":1918.27,"endTime":1920.94,"body":"it a profession and not an"},{"speaker":"Carl Widger","startTime":1920.94,"endTime":1925.8899999999999,"body":"industry, in our profession to"},{"speaker":"Carl Widger","startTime":1920.94,"endTime":1925.8899999999999,"body":"help consumers to help the end"},{"speaker":"Carl Widger","startTime":1925.92,"endTime":1927.36,"body":"user, the clients"},{"speaker":"Andy Hart","startTime":1929.37,"endTime":1932.1,"body":"might share it, you"},{"speaker":"Andy Hart","startTime":1929.37,"endTime":1932.1,"body":"know, it's totally right, we do"},{"speaker":"Andy Hart","startTime":1932.1,"endTime":1934.08,"body":"so yeah, yeah, we're"},{"speaker":"Alan Smith","startTime":1934.08,"endTime":1936.6299999999999,"body":"trying to make the"},{"speaker":"Alan Smith","startTime":1934.08,"endTime":1936.6299999999999,"body":"idea of making a really a"},{"speaker":"Alan Smith","startTime":1936.6299999999999,"endTime":1939.57,"body":"positive impact in the lives of"},{"speaker":"Alan Smith","startTime":1936.6299999999999,"endTime":1939.57,"body":"the families we look after. And"},{"speaker":"Alan Smith","startTime":1939.87,"endTime":1943.08,"body":"giving them sort of a sense of"},{"speaker":"Alan Smith","startTime":1939.87,"endTime":1943.08,"body":"peace of mind and security, all"},{"speaker":"Alan Smith","startTime":1943.08,"endTime":1946.08,"body":"those things. And just churning"},{"speaker":"Alan Smith","startTime":1943.08,"endTime":1946.08,"body":"pensions from Product A to"},{"speaker":"Alan Smith","startTime":1946.08,"endTime":1949.6499999999999,"body":"product B policy doesn't do"},{"speaker":"Alan Smith","startTime":1946.08,"endTime":1949.6499999999999,"body":"that. That is that is designed"},{"speaker":"Alan Smith","startTime":1949.6499999999999,"endTime":1952.62,"body":"primarily for the person who"},{"speaker":"Alan Smith","startTime":1949.6499999999999,"endTime":1952.62,"body":"earns the commission is not"},{"speaker":"Alan Smith","startTime":1952.62,"endTime":1955.6499999999999,"body":"making the big impact whatsoever"},{"speaker":"Alan Smith","startTime":1952.62,"endTime":1955.6499999999999,"body":"in the life of the customer. And"},{"speaker":"Alan Smith","startTime":1955.6499999999999,"endTime":1958.44,"body":"the challenge is that London,"},{"speaker":"Alan Smith","startTime":1955.6499999999999,"endTime":1958.44,"body":"like your accountant guy said,"},{"speaker":"Alan Smith","startTime":1958.44,"endTime":1961.17,"body":"the reputation of advisors"},{"speaker":"Alan Smith","startTime":1958.44,"endTime":1961.17,"body":"doesn't get better, it doesn't"},{"speaker":"Alan Smith","startTime":1961.17,"endTime":1963.69,"body":"get strong, you won't have a"},{"speaker":"Alan Smith","startTime":1961.17,"endTime":1963.69,"body":"situation where you'll just love"},{"speaker":"Alan Smith","startTime":1963.87,"endTime":1965.6399999999999,"body":"the relationship they've got"},{"speaker":"Alan Smith","startTime":1963.87,"endTime":1965.6399999999999,"body":"with a financial planner,"},{"speaker":"Alan Smith","startTime":1965.6399999999999,"endTime":1968.52,"body":"because they're just adding"},{"speaker":"Alan Smith","startTime":1965.6399999999999,"endTime":1968.52,"body":"value all day long. And I think"},{"speaker":"Alan Smith","startTime":1968.52,"endTime":1971.8799999999999,"body":"it's a it's a sort of mutually"},{"speaker":"Alan Smith","startTime":1968.52,"endTime":1971.8799999999999,"body":"beneficial project, if you can"},{"speaker":"Alan Smith","startTime":1971.8799999999999,"endTime":1974.55,"body":"enhance and improve these"},{"speaker":"Alan Smith","startTime":1971.8799999999999,"endTime":1974.55,"body":"things, because it raises the"},{"speaker":"Alan Smith","startTime":1974.55,"endTime":1976.92,"body":"whole industry, the whole"},{"speaker":"Alan Smith","startTime":1974.55,"endTime":1976.92,"body":"sector, the whole profession,"},{"speaker":"Alan Smith","startTime":1977.37,"endTime":1980.34,"body":"becomes something that people"},{"speaker":"Alan Smith","startTime":1977.37,"endTime":1980.34,"body":"are proud to talk about, as"},{"speaker":"Alan Smith","startTime":1980.34,"endTime":1983.82,"body":"opposed to just turning policies"},{"speaker":"Alan Smith","startTime":1980.34,"endTime":1983.82,"body":"around, which is not but"},{"speaker":"Carl Widger","startTime":1983.82,"endTime":1986.55,"body":"not everyone agrees"},{"speaker":"Carl Widger","startTime":1983.82,"endTime":1986.55,"body":"with the stance I'm taking even"},{"speaker":"Carl Widger","startTime":1986.58,"endTime":1990.24,"body":"the some of the my peers, as I"},{"speaker":"Carl Widger","startTime":1986.58,"endTime":1990.24,"body":"would call them who do real"},{"speaker":"Carl Widger","startTime":1990.24,"endTime":1993.09,"body":"financial planning, have said"},{"speaker":"Carl Widger","startTime":1990.24,"endTime":1993.09,"body":"exactly what you said earlier,"},{"speaker":"Carl Widger","startTime":1993.12,"endTime":1996.27,"body":"you know, should we not talk"},{"speaker":"Carl Widger","startTime":1993.12,"endTime":1996.27,"body":"just a little bit more about"},{"speaker":"Carl Widger","startTime":1996.27,"endTime":2000.92,"body":"what the good we do, as opposed"},{"speaker":"Carl Widger","startTime":1996.27,"endTime":2000.92,"body":"to calling out bad practice? And"},{"speaker":"Carl Widger","startTime":2001.28,"endTime":2004.01,"body":"I can't seem to help myself,"},{"speaker":"Carl Widger","startTime":2001.28,"endTime":2004.01,"body":"because I did talk about this"},{"speaker":"Carl Widger","startTime":2050.39,"endTime":2055.55,"body":"today. But I clearly I"},{"speaker":"Carl Widger","startTime":2050.39,"endTime":2055.55,"body":"passionately believe it. So"},{"speaker":"Carl Widger","startTime":2055.58,"endTime":2058.46,"body":"there you go. That's my opinion."},{"speaker":"Carl Widger","startTime":2055.58,"endTime":2058.46,"body":"Take it or leave it and"},{"speaker":"Alan Smith","startTime":2059.0,"endTime":2061.97,"body":"give it back to the"},{"speaker":"Alan Smith","startTime":2059.0,"endTime":2061.97,"body":"new newly formed Irish ideas"},{"speaker":"Alan Smith","startTime":2061.97,"endTime":2064.1,"body":"exchange related jobs"},{"speaker":"Carl Widger","startTime":2064.1,"endTime":2066.68,"body":"getting kicked out."},{"speaker":"Carl Widger","startTime":2064.1,"endTime":2066.68,"body":"already."},{"speaker":"Andy Hart","startTime":2067.85,"endTime":2070.22,"body":"So Steve Jobs car"},{"speaker":"Andy Hart","startTime":2067.85,"endTime":2070.22,"body":"that will"},{"speaker":"Nick Lincoln","startTime":2071.33,"endTime":2074.0,"body":"switch switches."},{"speaker":"Nick Lincoln","startTime":2071.33,"endTime":2074.0,"body":"Allen, Andy, hands up, would you"},{"speaker":"Nick Lincoln","startTime":2074.0,"endTime":2076.94,"body":"prefer that all limited"},{"speaker":"Nick Lincoln","startTime":2074.0,"endTime":2076.94,"body":"companies had to publish for"},{"speaker":"Nick Lincoln","startTime":2076.94,"endTime":2079.1,"body":"profit and loss? I certainly"},{"speaker":"Nick Lincoln","startTime":2076.94,"endTime":2079.1,"body":"think that's a good thing."},{"speaker":"Alan Smith","startTime":2080.3,"endTime":2082.94,"body":"I'm neutral on it. I"},{"speaker":"Alan Smith","startTime":2080.3,"endTime":2082.94,"body":"don't put there's positives and"},{"speaker":"Alan Smith","startTime":2082.94,"endTime":2087.17,"body":"negatives are companies. Yeah."},{"speaker":"Alan Smith","startTime":2082.94,"endTime":2087.17,"body":"It's you got to you mean every"},{"speaker":"Alan Smith","startTime":2087.17,"endTime":2091.31,"body":"company not just financial"},{"speaker":"Alan Smith","startTime":2087.17,"endTime":2091.31,"body":"services? Yeah, well, yeah. I"},{"speaker":"Alan Smith","startTime":2091.31,"endTime":2094.64,"body":"mean, I'm, I wouldn't mind"},{"speaker":"Alan Smith","startTime":2091.31,"endTime":2094.64,"body":"neutral, it would provide us"},{"speaker":"Alan Smith","startTime":2094.64,"endTime":2096.08,"body":"with a lot of interesting"},{"speaker":"Alan Smith","startTime":2094.64,"endTime":2096.08,"body":"information. I"},{"speaker":"Andy Hart","startTime":2096.08,"endTime":2097.85,"body":"don't mind. I mean,"},{"speaker":"Andy Hart","startTime":2096.08,"endTime":2097.85,"body":"somewhere, something's gone"},{"speaker":"Andy Hart","startTime":2097.85,"endTime":2098.09,"body":"through."},{"speaker":"Nick Lincoln","startTime":2100.25,"endTime":2102.2,"body":"Firms, bonafide,"},{"speaker":"Nick Lincoln","startTime":2100.25,"endTime":2102.2,"body":"you're not you'd like to see"},{"speaker":"Nick Lincoln","startTime":2102.2,"endTime":2104.27,"body":"their turnover? Wouldn't you"},{"speaker":"Nick Lincoln","startTime":2102.2,"endTime":2104.27,"body":"just help and I don't know."},{"speaker":"Nick Lincoln","startTime":2105.92,"endTime":2108.38,"body":"Okay, Mr. Smith, JP Morgan"},{"speaker":"Nick Lincoln","startTime":2105.92,"endTime":2108.38,"body":"retirement report."},{"speaker":"Alan Smith","startTime":2108.47,"endTime":2110.57,"body":"Just Just a quick"},{"speaker":"Alan Smith","startTime":2108.47,"endTime":2110.57,"body":"one, there's an update for the"},{"speaker":"Alan Smith","startTime":2110.63,"endTime":2113.36,"body":"audience and the listeners. As"},{"speaker":"Alan Smith","startTime":2110.63,"endTime":2113.36,"body":"we know, JP Morgan produced some"},{"speaker":"Alan Smith","startTime":2113.36,"endTime":2116.78,"body":"high high quality information,"},{"speaker":"Alan Smith","startTime":2113.36,"endTime":2116.78,"body":"data reports to do their"},{"speaker":"Alan Smith","startTime":2116.78,"endTime":2121.85,"body":"quarterly market review, which"},{"speaker":"Alan Smith","startTime":2116.78,"endTime":2121.85,"body":"hasn't been on here in the past."},{"speaker":"Alan Smith","startTime":2122.09,"endTime":2124.01,"body":"There's just a new one that they"},{"speaker":"Alan Smith","startTime":2122.09,"endTime":2124.01,"body":"have put it was totally new to"},{"speaker":"Alan Smith","startTime":2124.01,"endTime":2127.79,"body":"me. I hadn't seen it before the"},{"speaker":"Alan Smith","startTime":2124.01,"endTime":2127.79,"body":"JP Morgan retirement report. It"},{"speaker":"Alan Smith","startTime":2127.79,"endTime":2130.64,"body":"is us based but there's a lot of"},{"speaker":"Alan Smith","startTime":2127.79,"endTime":2130.64,"body":"information that is highly"},{"speaker":"Alan Smith","startTime":2130.64,"endTime":2133.25,"body":"relevant to the UK though we"},{"speaker":"Alan Smith","startTime":2130.64,"endTime":2133.25,"body":"talk about longevity, life"},{"speaker":"Alan Smith","startTime":2133.25,"endTime":2136.16,"body":"expectancy, how long you sort of"},{"speaker":"Alan Smith","startTime":2133.25,"endTime":2136.16,"body":"the period of life you're"},{"speaker":"Alan Smith","startTime":2136.16,"endTime":2139.37,"body":"reasonably expected to sustain"},{"speaker":"Alan Smith","startTime":2136.16,"endTime":2139.37,"body":"your income for and there's just"},{"speaker":"Alan Smith","startTime":2139.4,"endTime":2142.25,"body":"as if you're, if you're a sort"},{"speaker":"Alan Smith","startTime":2139.4,"endTime":2142.25,"body":"of a data or information geek,"},{"speaker":"Alan Smith","startTime":2142.25,"endTime":2144.65,"body":"there's loads in there. But it's"},{"speaker":"Alan Smith","startTime":2142.25,"endTime":2144.65,"body":"actually relevant to the the"},{"speaker":"Alan Smith","startTime":2144.65,"endTime":2148.0099999999998,"body":"advice process and actually,"},{"speaker":"Alan Smith","startTime":2144.65,"endTime":2148.0099999999998,"body":"potentially, with clients and"},{"speaker":"Alan Smith","startTime":2148.0099999999998,"endTime":2150.77,"body":"even like the likes of back to"},{"speaker":"Alan Smith","startTime":2148.0099999999998,"endTime":2150.77,"body":"Paul Lewis in his cash account,"},{"speaker":"Alan Smith","startTime":2150.77,"endTime":2156.56,"body":"if you've got 30 in some cases,"},{"speaker":"Alan Smith","startTime":2150.77,"endTime":2156.56,"body":"40 years of requiring inflation"},{"speaker":"Alan Smith","startTime":2156.56,"endTime":2159.77,"body":"adjusted sustainable income,"},{"speaker":"Alan Smith","startTime":2156.56,"endTime":2159.77,"body":"then all these other things are"},{"speaker":"Alan Smith","startTime":2159.77,"endTime":2162.02,"body":"not going to support it. So I'll"},{"speaker":"Alan Smith","startTime":2159.77,"endTime":2162.02,"body":"put a link to it in the show"},{"speaker":"Alan Smith","startTime":2162.02,"endTime":2165.2,"body":"notes JP Morgan retirement"},{"speaker":"Alan Smith","startTime":2162.02,"endTime":2165.2,"body":"report worth a browse, I would"},{"speaker":"Alan Smith","startTime":2165.2,"endTime":2166.64,"body":"say is,"},{"speaker":"Andy Hart","startTime":2166.79,"endTime":2168.2,"body":"it's absolutely"},{"speaker":"Andy Hart","startTime":2166.79,"endTime":2168.2,"body":"brilliant. Yeah, there's a"},{"speaker":"Andy Hart","startTime":2168.2,"endTime":2171.77,"body":"couple of highlights in it. PAGE"},{"speaker":"Andy Hart","startTime":2168.2,"endTime":2171.77,"body":"21. It says about the long term"},{"speaker":"Andy Hart","startTime":2171.77,"endTime":2175.4,"body":"savings rate for the US. I think"},{"speaker":"Andy Hart","startTime":2171.77,"endTime":2175.4,"body":"the US at the moment in terms of"},{"speaker":"Andy Hart","startTime":2175.4,"endTime":2179.21,"body":"gross income Um, same as they"},{"speaker":"Andy Hart","startTime":2175.4,"endTime":2179.21,"body":"were about 7.8% is generally a"},{"speaker":"Andy Hart","startTime":2179.21,"endTime":2182.5099999999998,"body":"little bit higher than it's been"},{"speaker":"Andy Hart","startTime":2179.21,"endTime":2182.5099999999998,"body":"sort of historically, it's full."},{"speaker":"Andy Hart","startTime":2182.5099999999998,"endTime":2185.21,"body":"It's full of data, right? You"},{"speaker":"Andy Hart","startTime":2182.5099999999998,"endTime":2185.21,"body":"can just scroll through it. You"},{"speaker":"Andy Hart","startTime":2185.21,"endTime":2187.79,"body":"know, you can spend 10 minutes"},{"speaker":"Andy Hart","startTime":2185.21,"endTime":2187.79,"body":"going through or three hours,"},{"speaker":"Andy Hart","startTime":2187.79,"endTime":2190.19,"body":"but I think they publish"},{"speaker":"Andy Hart","startTime":2187.79,"endTime":2190.19,"body":"annually down the Allen. Yeah, I"},{"speaker":"Andy Hart","startTime":2190.19,"endTime":2193.8199999999997,"body":"think the guide to the mark is,"},{"speaker":"Andy Hart","startTime":2190.19,"endTime":2193.8199999999997,"body":"is every quarter. So yeah, it's"},{"speaker":"Andy Hart","startTime":2193.8199999999997,"endTime":2196.79,"body":"a superb resource. So check it"},{"speaker":"Andy Hart","startTime":2193.8199999999997,"endTime":2196.79,"body":"out. If you're a financial"},{"speaker":"Andy Hart","startTime":2196.79,"endTime":2197.24,"body":"adviser."},{"speaker":"Nick Lincoln","startTime":2198.0499999999997,"endTime":2199.58,"body":"Well, I can sleep"},{"speaker":"Nick Lincoln","startTime":2198.0499999999997,"endTime":2199.58,"body":"tight now knowing that the"},{"speaker":"Nick Lincoln","startTime":2199.58,"endTime":2203.33,"body":"Americans save at a rate of 7.8"},{"speaker":"Nick Lincoln","startTime":2199.58,"endTime":2203.33,"body":"of their gross income. Okay. We"},{"speaker":"Nick Lincoln","startTime":2203.33,"endTime":2205.64,"body":"had lunch yesterday with a bit"},{"speaker":"Nick Lincoln","startTime":2203.33,"endTime":2205.64,"body":"of an industry lit and I say"},{"speaker":"Nick Lincoln","startTime":2205.67,"endTime":2207.98,"body":"industry because this man was"},{"speaker":"Nick Lincoln","startTime":2205.67,"endTime":2207.98,"body":"from a time when it was"},{"speaker":"Nick Lincoln","startTime":2207.98,"endTime":2211.58,"body":"industrial. Alan took us through"},{"speaker":"Nick Lincoln","startTime":2207.98,"endTime":2211.58,"body":"our lunch. Yeah, the"},{"speaker":"Alan Smith","startTime":2211.58,"endTime":2215.24,"body":"three the UK based"},{"speaker":"Alan Smith","startTime":2211.58,"endTime":2215.24,"body":"Talens minutes of the trapeze,"},{"speaker":"Alan Smith","startTime":2215.24,"endTime":2217.4,"body":"my mentor, so we had lunch with"},{"speaker":"Alan Smith","startTime":2215.24,"endTime":2217.4,"body":"a gentleman on them, and she's"},{"speaker":"Alan Smith","startTime":2217.4,"endTime":2222.14,"body":"called John Joseph. And he's in"},{"speaker":"Alan Smith","startTime":2217.4,"endTime":2222.14,"body":"his 70s. Now he's, I guess he's"},{"speaker":"Alan Smith","startTime":2222.14,"endTime":2226.94,"body":"retired, semi retired his SS."},{"speaker":"Alan Smith","startTime":2222.14,"endTime":2226.94,"body":"He's only probably the office"},{"speaker":"Alan Smith","startTime":2226.97,"endTime":2229.3399999999997,"body":"Yeah, brought into the office."},{"speaker":"Alan Smith","startTime":2226.97,"endTime":2229.3399999999997,"body":"Now his son Jimmy, who's an"},{"speaker":"Alan Smith","startTime":2229.3399999999997,"endTime":2231.68,"body":"outstanding character and great"},{"speaker":"Alan Smith","startTime":2229.3399999999997,"endTime":2231.68,"body":"financial planners to expect to"},{"speaker":"Alan Smith","startTime":2231.68,"endTime":2234.14,"body":"be taken over the business. John"},{"speaker":"Alan Smith","startTime":2231.68,"endTime":2234.14,"body":"gets real didn't know that no"},{"speaker":"Alan Smith","startTime":2234.14,"endTime":2236.24,"body":"one again, I mentioned yesterday"},{"speaker":"Alan Smith","startTime":2234.14,"endTime":2236.24,"body":"just to entertain the clients,"},{"speaker":"Alan Smith","startTime":2236.24,"endTime":2240.77,"body":"he says, because he's a bit of a"},{"speaker":"Alan Smith","startTime":2236.24,"endTime":2240.77,"body":"you know, a joke teller, banter,"},{"speaker":"Alan Smith","startTime":2240.7999999999997,"endTime":2243.68,"body":"banter, Meister, but it was just"},{"speaker":"Alan Smith","startTime":2240.7999999999997,"endTime":2243.68,"body":"lovely. I just wanted to take"},{"speaker":"Alan Smith","startTime":2243.68,"endTime":2248.0299999999997,"body":"the time to specifically, you"},{"speaker":"Alan Smith","startTime":2243.68,"endTime":2248.0299999999997,"body":"know, kind of honor him in a way"},{"speaker":"Alan Smith","startTime":2248.0299999999997,"endTime":2250.52,"body":"because when I went, when I was"},{"speaker":"Alan Smith","startTime":2248.0299999999997,"endTime":2250.52,"body":"first getting into a certain"},{"speaker":"Alan Smith","startTime":2250.52,"endTime":2254.7799999999997,"body":"amount, I first became an IFA."},{"speaker":"Alan Smith","startTime":2250.52,"endTime":2254.7799999999997,"body":"And I moved from the sort of"},{"speaker":"Alan Smith","startTime":2255.0499999999997,"endTime":2257.63,"body":"corporate background into the"},{"speaker":"Alan Smith","startTime":2255.0499999999997,"endTime":2257.63,"body":"alpha, he was super superbly"},{"speaker":"Alan Smith","startTime":2257.63,"endTime":2260.2999999999997,"body":"supportive of me. And I think"},{"speaker":"Alan Smith","startTime":2257.63,"endTime":2260.2999999999997,"body":"that just want to take the time,"},{"speaker":"Alan Smith","startTime":2260.2999999999997,"endTime":2263.75,"body":"if this is a sector, this is a"},{"speaker":"Alan Smith","startTime":2260.2999999999997,"endTime":2263.75,"body":"profession, where we do kind of"},{"speaker":"Alan Smith","startTime":2263.75,"endTime":2266.06,"body":"help and support each other. And"},{"speaker":"Alan Smith","startTime":2263.75,"endTime":2266.06,"body":"I just think it's income. That's"},{"speaker":"Alan Smith","startTime":2266.06,"endTime":2268.13,"body":"part of the reasons why we do"},{"speaker":"Alan Smith","startTime":2266.06,"endTime":2268.13,"body":"this route advisor podcast,"},{"speaker":"Alan Smith","startTime":2268.3399999999997,"endTime":2270.5899999999997,"body":"because the four of us, you"},{"speaker":"Alan Smith","startTime":2268.3399999999997,"endTime":2270.5899999999997,"body":"know, reasonably long in the"},{"speaker":"Alan Smith","startTime":2270.5899999999997,"endTime":2273.2599999999998,"body":"tooth have been at the game a"},{"speaker":"Alan Smith","startTime":2270.5899999999997,"endTime":2273.2599999999998,"body":"long time, but kind of passing"},{"speaker":"Alan Smith","startTime":2273.2599999999998,"endTime":2276.5,"body":"on the wisdom because John did"},{"speaker":"Alan Smith","startTime":2273.2599999999998,"endTime":2276.5,"body":"herbally. For many, many years,"},{"speaker":"Alan Smith","startTime":2276.83,"endTime":2279.35,"body":"it was a little bit of a trip"},{"speaker":"Alan Smith","startTime":2276.83,"endTime":2279.35,"body":"down memory lane for me, because"},{"speaker":"Alan Smith","startTime":2279.35,"endTime":2282.71,"body":"we met up in northwest London,"},{"speaker":"Alan Smith","startTime":2279.35,"endTime":2282.71,"body":"and I was getting the train up"},{"speaker":"Alan Smith","startTime":2282.71,"endTime":2285.29,"body":"there. And I was just stopping"},{"speaker":"Alan Smith","startTime":2282.71,"endTime":2285.29,"body":"every little town that I used to"},{"speaker":"Alan Smith","startTime":2285.29,"endTime":2289.58,"body":"drive around in my day, with a"},{"speaker":"Alan Smith","startTime":2285.29,"endTime":2289.58,"body":"wheelbarrow, here we go."},{"speaker":"Unknown","startTime":2292.13,"endTime":2302.69,"body":"Puts on Whoa, I can't"},{"speaker":"Unknown","startTime":2292.13,"endTime":2302.69,"body":"see my wheelbarrow. With Brock,"},{"speaker":"Unknown","startTime":2303.17,"endTime":2312.5299999999997,"body":"signed by the week. Good. I was"},{"speaker":"Unknown","startTime":2303.17,"endTime":2312.5299999999997,"body":"21. When I found out"},{"speaker":"Alan Smith","startTime":2316.46,"endTime":2320.15,"body":"that is going to be"},{"speaker":"Alan Smith","startTime":2316.46,"endTime":2320.15,"body":"your best drop. I like this song"},{"speaker":"Alan Smith","startTime":2320.15,"endTime":2322.85,"body":"anyway, just so anyone doesn't"},{"speaker":"Alan Smith","startTime":2320.15,"endTime":2322.85,"body":"know. outputed is one of those"},{"speaker":"Alan Smith","startTime":2322.85,"endTime":2326.3599999999997,"body":"small towns in North small sort"},{"speaker":"Alan Smith","startTime":2322.85,"endTime":2326.3599999999997,"body":"of areas in northwest London,"},{"speaker":"Alan Smith","startTime":2326.72,"endTime":2329.6,"body":"where I used to drive my"},{"speaker":"Alan Smith","startTime":2326.72,"endTime":2329.6,"body":"wheelbarrow up and you know, a"},{"speaker":"Alan Smith","startTime":2329.6,"endTime":2332.5699999999997,"body":"bunch of advisers brokers as"},{"speaker":"Alan Smith","startTime":2329.6,"endTime":2332.5699999999997,"body":"they were then and accountants"},{"speaker":"Alan Smith","startTime":2332.5699999999997,"endTime":2336.23,"body":"and so on and collect the good"},{"speaker":"Alan Smith","startTime":2332.5699999999997,"endTime":2336.23,"body":"old endowment policies from"},{"speaker":"Alan Smith","startTime":2336.23,"endTime":2338.69,"body":"those advisors. So I hadn't been"},{"speaker":"Alan Smith","startTime":2336.23,"endTime":2338.69,"body":"out there for a while. So it was"},{"speaker":"Alan Smith","startTime":2338.69,"endTime":2342.47,"body":"lovely to get the trade up"},{"speaker":"Alan Smith","startTime":2338.69,"endTime":2342.47,"body":"there. And then go for a nice"},{"speaker":"Alan Smith","startTime":2342.47,"endTime":2345.95,"body":"lunch with John Joseph and these"},{"speaker":"Alan Smith","startTime":2342.47,"endTime":2345.95,"body":"two other Muppets as well. We"},{"speaker":"Alan Smith","startTime":2345.95,"endTime":2348.98,"body":"had a we had a good afternoon, I"},{"speaker":"Alan Smith","startTime":2345.95,"endTime":2348.98,"body":"can say, thank you."},{"speaker":"Nick Lincoln","startTime":2349.31,"endTime":2350.9,"body":"Great, great,"},{"speaker":"Nick Lincoln","startTime":2349.31,"endTime":2350.9,"body":"great stuff, it was highly"},{"speaker":"Nick Lincoln","startTime":2350.9,"endTime":2353.75,"body":"enjoyable. He's a highly"},{"speaker":"Nick Lincoln","startTime":2350.9,"endTime":2353.75,"body":"enjoyable character. Okay, just"},{"speaker":"Nick Lincoln","startTime":2353.75,"endTime":2356.0,"body":"closing off the topical tidbits"},{"speaker":"Nick Lincoln","startTime":2353.75,"endTime":2356.0,"body":"because we're coming into quite"},{"speaker":"Nick Lincoln","startTime":2356.0,"endTime":2360.5299999999997,"body":"a long time into the recording"},{"speaker":"Nick Lincoln","startTime":2356.0,"endTime":2360.5299999999997,"body":"already. We have now bear with"},{"speaker":"Nick Lincoln","startTime":2360.5299999999997,"endTime":2363.0499999999997,"body":"us on this we haven't met, we"},{"speaker":"Nick Lincoln","startTime":2360.5299999999997,"endTime":2363.0499999999997,"body":"actually got a website now the"},{"speaker":"Nick Lincoln","startTime":2363.0499999999997,"endTime":2367.3399999999997,"body":"real advisor podcast.com. Okay,"},{"speaker":"Nick Lincoln","startTime":2363.0499999999997,"endTime":2367.3399999999997,"body":"the real advisor podcast.com."},{"speaker":"Nick Lincoln","startTime":2367.52,"endTime":2369.98,"body":"It's very basic at the moment,"},{"speaker":"Nick Lincoln","startTime":2367.52,"endTime":2369.98,"body":"it's just a landing page. But"},{"speaker":"Nick Lincoln","startTime":2369.98,"endTime":2371.93,"body":"the reason we've set it up is"},{"speaker":"Nick Lincoln","startTime":2369.98,"endTime":2371.93,"body":"we're going to have a live event"},{"speaker":"Nick Lincoln","startTime":2371.93,"endTime":2375.65,"body":"next year, May the ninth, we're"},{"speaker":"Nick Lincoln","startTime":2371.93,"endTime":2375.65,"body":"trying to work out where the"},{"speaker":"Nick Lincoln","startTime":2375.65,"endTime":2377.48,"body":"head is going to be, it's going"},{"speaker":"Nick Lincoln","startTime":2375.65,"endTime":2377.48,"body":"to be in London, okay, if this"},{"speaker":"Nick Lincoln","startTime":2377.48,"endTime":2379.6099999999997,"body":"is a hit, we might go out to the"},{"speaker":"Nick Lincoln","startTime":2377.48,"endTime":2379.6099999999997,"body":"provinces. But this will be in"},{"speaker":"Nick Lincoln","startTime":2379.6099999999997,"endTime":2383.15,"body":"London late afternoon, early"},{"speaker":"Nick Lincoln","startTime":2379.6099999999997,"endTime":2383.15,"body":"evening. If you're interested"},{"speaker":"Nick Lincoln","startTime":2383.18,"endTime":2386.5699999999997,"body":"and you want to register your"},{"speaker":"Nick Lincoln","startTime":2383.18,"endTime":2386.5699999999997,"body":"interest in attending, please go"},{"speaker":"Nick Lincoln","startTime":2386.5699999999997,"endTime":2390.02,"body":"to the real advisor podcast.com"},{"speaker":"Nick Lincoln","startTime":2386.5699999999997,"endTime":2390.02,"body":"and just give your name and"},{"speaker":"Nick Lincoln","startTime":2390.02,"endTime":2392.87,"body":"email address. So we just"},{"speaker":"Nick Lincoln","startTime":2390.02,"endTime":2392.87,"body":"captured that and then we can"},{"speaker":"Nick Lincoln","startTime":2393.0499999999997,"endTime":2395.42,"body":"later on come out with detail"},{"speaker":"Nick Lincoln","startTime":2393.0499999999997,"endTime":2395.42,"body":"but trying to find a location"},{"speaker":"Nick Lincoln","startTime":2395.42,"endTime":2398.66,"body":"that even that's a pain in the"},{"speaker":"Nick Lincoln","startTime":2395.42,"endTime":2398.66,"body":"ass already. So that it will be"},{"speaker":"Nick Lincoln","startTime":2398.66,"endTime":2400.88,"body":"a paid for event we'll we'll"},{"speaker":"Nick Lincoln","startTime":2398.66,"endTime":2400.88,"body":"need to work out what the"},{"speaker":"Nick Lincoln","startTime":2400.88,"endTime":2402.83,"body":"costings are going to be and"},{"speaker":"Nick Lincoln","startTime":2400.88,"endTime":2402.83,"body":"what the venue hire is taught"},{"speaker":"Nick Lincoln","startTime":2402.83,"endTime":2404.6,"body":"and confirm that but you will be"},{"speaker":"Nick Lincoln","startTime":2402.83,"endTime":2404.6,"body":"shelling out for this. But"},{"speaker":"Nick Lincoln","startTime":2404.63,"endTime":2408.1099999999997,"body":"hopefully, you'll agree that"},{"speaker":"Nick Lincoln","startTime":2404.63,"endTime":2408.1099999999997,"body":"you're going to get value from"},{"speaker":"Nick Lincoln","startTime":2408.1099999999997,"endTime":2410.5699999999997,"body":"it the same way you've got lots"},{"speaker":"Nick Lincoln","startTime":2408.1099999999997,"endTime":2410.5699999999997,"body":"of value from us, but nothing"},{"speaker":"Nick Lincoln","startTime":2410.7799999999997,"endTime":2414.2,"body":"over the previous 33 episodes."},{"speaker":"Nick Lincoln","startTime":2410.7799999999997,"endTime":2414.2,"body":"So there we go on that. Well,"},{"speaker":"Nick Lincoln","startTime":2414.2,"endTime":2416.75,"body":"that's it. That's my channeling"},{"speaker":"Nick Lincoln","startTime":2414.2,"endTime":2416.75,"body":"my inner my inner voice. They're"},{"speaker":"Nick Lincoln","startTime":2416.7799999999997,"endTime":2419.39,"body":"mine. They literally might have"},{"speaker":"Nick Lincoln","startTime":2416.7799999999997,"endTime":2419.39,"body":"links on"},{"speaker":"Carl Widger","startTime":2421.16,"endTime":2422.96,"body":"the website already"},{"speaker":"Carl Widger","startTime":2421.16,"endTime":2422.96,"body":"good. I actually haven't looked"},{"speaker":"Carl Widger","startTime":2422.96,"endTime":2423.77,"body":"at it yet. No,"},{"speaker":"Nick Lincoln","startTime":2423.77,"endTime":2426.62,"body":"it's basic. It's"},{"speaker":"Nick Lincoln","startTime":2423.77,"endTime":2426.62,"body":"extremely basic, called you look"},{"speaker":"Nick Lincoln","startTime":2426.62,"endTime":2427.7,"body":"at yours when you when we're"},{"speaker":"Nick Lincoln","startTime":2426.62,"endTime":2427.7,"body":"done."},{"speaker":"Alan Smith","startTime":2432.68,"endTime":2435.5,"body":"is good enough? Nick"},{"speaker":"Alan Smith","startTime":2432.68,"endTime":2435.5,"body":"is good enough is good. Exactly."},{"speaker":"Alan Smith","startTime":2435.5,"endTime":2437.81,"body":"It's great new friends,"},{"speaker":"Alan Smith","startTime":2435.5,"endTime":2437.81,"body":"Perfection"},{"speaker":"Nick Lincoln","startTime":2437.81,"endTime":2441.2,"body":"is the enemy."},{"speaker":"Nick Lincoln","startTime":2437.81,"endTime":2441.2,"body":"Okay. Let's now move on to what"},{"speaker":"Nick Lincoln","startTime":2441.29,"endTime":2445.58,"body":"many people call the meat and"},{"speaker":"Nick Lincoln","startTime":2441.29,"endTime":2445.58,"body":"potatoes of the show. So episode"},{"speaker":"Nick Lincoln","startTime":2445.58,"endTime":2449.15,"body":"33 was the first of three"},{"speaker":"Nick Lincoln","startTime":2445.58,"endTime":2449.15,"body":"episodes that we're going to do"},{"speaker":"Nick Lincoln","startTime":2449.15,"endTime":2452.2999999999997,"body":"on a kind of marketing theme."},{"speaker":"Nick Lincoln","startTime":2449.15,"endTime":2452.2999999999997,"body":"The first, the first of those"},{"speaker":"Nick Lincoln","startTime":2452.2999999999997,"endTime":2455.2999999999997,"body":"three, Episode 33 was"},{"speaker":"Nick Lincoln","startTime":2452.2999999999997,"endTime":2455.2999999999997,"body":"revolutionize your referrals,"},{"speaker":"Nick Lincoln","startTime":2455.2999999999997,"endTime":2458.0299999999997,"body":"the referral strategies, what"},{"speaker":"Nick Lincoln","startTime":2455.2999999999997,"endTime":2458.0299999999997,"body":"works, what doesn't work, why"},{"speaker":"Nick Lincoln","startTime":2458.0299999999997,"endTime":2461.27,"body":"referral is important. This one"},{"speaker":"Nick Lincoln","startTime":2458.0299999999997,"endTime":2461.27,"body":"is about centers of influence"},{"speaker":"Nick Lincoln","startTime":2461.27,"endTime":2466.43,"body":"and other marketing leg of this"},{"speaker":"Nick Lincoln","startTime":2461.27,"endTime":2466.43,"body":"three legged stool and Mr. Smith"},{"speaker":"Nick Lincoln","startTime":2466.43,"endTime":2469.19,"body":"is going to lead us off on this"},{"speaker":"Nick Lincoln","startTime":2466.43,"endTime":2469.19,"body":"and the potatoes have stopped"},{"speaker":"Nick Lincoln","startTime":2469.19,"endTime":2472.88,"body":"being the peeling is over and so"},{"speaker":"Nick Lincoln","startTime":2469.19,"endTime":2472.88,"body":"you can rest easy and crack on."},{"speaker":"Alan Smith","startTime":2473.06,"endTime":2476.12,"body":"Thank you. Thanks,"},{"speaker":"Alan Smith","startTime":2473.06,"endTime":2476.12,"body":"Nick. Yet another huge sub"},{"speaker":"Alan Smith","startTime":2476.12,"endTime":2481.7,"body":"Jack's complex, some people are"},{"speaker":"Alan Smith","startTime":2476.12,"endTime":2481.7,"body":"successful, some are less. So"},{"speaker":"Alan Smith","startTime":2481.7,"endTime":2485.0299999999997,"body":"what I know is over the years,"},{"speaker":"Alan Smith","startTime":2481.7,"endTime":2485.0299999999997,"body":"the firm's I know that are"},{"speaker":"Alan Smith","startTime":2485.0299999999997,"endTime":2489.1099999999997,"body":"really smashing it or doing well"},{"speaker":"Alan Smith","startTime":2485.0299999999997,"endTime":2489.1099999999997,"body":"or growing fast, are excellent."},{"speaker":"Alan Smith","startTime":2489.5,"endTime":2492.3199999999997,"body":"They've all got high quality"},{"speaker":"Alan Smith","startTime":2489.5,"endTime":2492.3199999999997,"body":"relationships, we call them"},{"speaker":"Alan Smith","startTime":2492.3199999999997,"endTime":2495.17,"body":"centers of influence, because"},{"speaker":"Alan Smith","startTime":2492.3199999999997,"endTime":2495.17,"body":"third party professional"},{"speaker":"Alan Smith","startTime":2495.17,"endTime":2497.45,"body":"partnerships, there might be"},{"speaker":"Alan Smith","startTime":2495.17,"endTime":2497.45,"body":"accountants could be legal"},{"speaker":"Alan Smith","startTime":2497.45,"endTime":2499.64,"body":"firms, it could be corporate"},{"speaker":"Alan Smith","startTime":2497.45,"endTime":2499.64,"body":"finance teams, anything like"},{"speaker":"Alan Smith","startTime":2499.64,"endTime":2502.2799999999997,"body":"that. But there's a kind of"},{"speaker":"Alan Smith","startTime":2499.64,"endTime":2502.2799999999997,"body":"there's a collaborative"},{"speaker":"Alan Smith","startTime":2502.2799999999997,"endTime":2504.77,"body":"relationship they have, but"},{"speaker":"Alan Smith","startTime":2502.2799999999997,"endTime":2504.77,"body":"there's potential for clients to"},{"speaker":"Alan Smith","startTime":2504.77,"endTime":2509.12,"body":"be referred back and forward, it"},{"speaker":"Alan Smith","startTime":2504.77,"endTime":2509.12,"body":"tends to work pretty well. So"},{"speaker":"Alan Smith","startTime":2509.3599999999997,"endTime":2513.62,"body":"it's, for all the positive"},{"speaker":"Alan Smith","startTime":2509.3599999999997,"endTime":2513.62,"body":"signs, it nevertheless remains a"},{"speaker":"Alan Smith","startTime":2513.62,"endTime":2518.7799999999997,"body":"tough nut to crack and actually,"},{"speaker":"Alan Smith","startTime":2513.62,"endTime":2518.7799999999997,"body":"to make this work, and again,"},{"speaker":"Alan Smith","startTime":2518.7799999999997,"endTime":2521.7799999999997,"body":"full disclosure, you know,"},{"speaker":"Alan Smith","startTime":2518.7799999999997,"endTime":2521.7799999999997,"body":"we're, we're far from perfect at"},{"speaker":"Alan Smith","startTime":2521.7799999999997,"endTime":2524.96,"body":"it ourselves. But we have sort"},{"speaker":"Alan Smith","startTime":2521.7799999999997,"endTime":2524.96,"body":"of worked out a system and I"},{"speaker":"Alan Smith","startTime":2524.96,"endTime":2527.9,"body":"think referring back to things"},{"speaker":"Alan Smith","startTime":2524.96,"endTime":2527.9,"body":"we've talked about in the past,"},{"speaker":"Alan Smith","startTime":2528.5,"endTime":2531.41,"body":"you'd what's the saying is James"},{"speaker":"Alan Smith","startTime":2528.5,"endTime":2531.41,"body":"clear, when you don't rise to"},{"speaker":"Alan Smith","startTime":2531.41,"endTime":2533.99,"body":"the level of your goals, you"},{"speaker":"Alan Smith","startTime":2531.41,"endTime":2533.99,"body":"fall to the level of your"},{"speaker":"Alan Smith","startTime":2534.02,"endTime":2539.45,"body":"systems, and a recommendation"},{"speaker":"Alan Smith","startTime":2534.02,"endTime":2539.45,"body":"that I've had in order to"},{"speaker":"Alan Smith","startTime":2539.45,"endTime":2543.41,"body":"develop this and, and try to"},{"speaker":"Alan Smith","startTime":2539.45,"endTime":2543.41,"body":"make this work in an advisory"},{"speaker":"Alan Smith","startTime":2543.41,"endTime":2548.45,"body":"business. Here's what I suggest"},{"speaker":"Alan Smith","startTime":2543.41,"endTime":2548.45,"body":"people do. Starting off with new"},{"speaker":"Alan Smith","startTime":2548.45,"endTime":2552.41,"body":"clients. taking on a new client,"},{"speaker":"Alan Smith","startTime":2548.45,"endTime":2552.41,"body":"we do a you know, we all do a"},{"speaker":"Alan Smith","startTime":2552.41,"endTime":2555.38,"body":"standard, what we used to be"},{"speaker":"Alan Smith","startTime":2552.41,"endTime":2555.38,"body":"called a fact find process, we"},{"speaker":"Alan Smith","startTime":2555.38,"endTime":2558.2,"body":"do a discovery meeting. And we"},{"speaker":"Alan Smith","startTime":2555.38,"endTime":2558.2,"body":"ask them all the information"},{"speaker":"Alan Smith","startTime":2558.2,"endTime":2561.35,"body":"that we need to know, in order"},{"speaker":"Alan Smith","startTime":2558.2,"endTime":2561.35,"body":"to build financial models and"},{"speaker":"Alan Smith","startTime":2561.35,"endTime":2564.14,"body":"financial plans and deliver"},{"speaker":"Alan Smith","startTime":2561.35,"endTime":2564.14,"body":"advice. But one of the questions"},{"speaker":"Alan Smith","startTime":2564.14,"endTime":2567.2599999999998,"body":"in the more kind of just detail"},{"speaker":"Alan Smith","startTime":2564.14,"endTime":2567.2599999999998,"body":"based things is, do you have any"},{"speaker":"Alan Smith","startTime":2567.2599999999998,"endTime":2570.3199999999997,"body":"relationships with professional"},{"speaker":"Alan Smith","startTime":2567.2599999999998,"endTime":2570.3199999999997,"body":"advisors currently? Do you have"},{"speaker":"Alan Smith","startTime":2570.62,"endTime":2572.54,"body":"an accountant? Do you have a"},{"speaker":"Alan Smith","startTime":2570.62,"endTime":2572.54,"body":"lawyer? Do you have any number"},{"speaker":"Alan Smith","startTime":2572.54,"endTime":2574.8199999999997,"body":"of other people that are"},{"speaker":"Alan Smith","startTime":2572.54,"endTime":2574.8199999999997,"body":"currently supporting you? So we"},{"speaker":"Alan Smith","startTime":2574.8199999999997,"endTime":2577.4,"body":"take the information? Often our"},{"speaker":"Alan Smith","startTime":2574.8199999999997,"endTime":2577.4,"body":"clients, many of whom are"},{"speaker":"Alan Smith","startTime":2577.4,"endTime":2580.52,"body":"business owners will say, Yeah,"},{"speaker":"Alan Smith","startTime":2577.4,"endTime":2580.52,"body":"I've got an accountant. And"},{"speaker":"Alan Smith","startTime":2580.52,"endTime":2583.6099999999997,"body":"we'll say, we will ask what"},{"speaker":"Alan Smith","startTime":2580.52,"endTime":2583.6099999999997,"body":"How's What's your relationship"},{"speaker":"Alan Smith","startTime":2583.6099999999997,"endTime":2586.43,"body":"like? And because I said, we're"},{"speaker":"Alan Smith","startTime":2583.6099999999997,"endTime":2586.43,"body":"always looking for, you know,"},{"speaker":"Alan Smith","startTime":2586.46,"endTime":2589.1,"body":"opportunities to work"},{"speaker":"Alan Smith","startTime":2586.46,"endTime":2589.1,"body":"collaboratively with other with"},{"speaker":"Alan Smith","startTime":2589.1,"endTime":2592.88,"body":"other professionals. And often"},{"speaker":"Alan Smith","startTime":2589.1,"endTime":2592.88,"body":"they'll say, either Oh, he's"},{"speaker":"Alan Smith","startTime":2592.88,"endTime":2595.37,"body":"great, my account is brilliant,"},{"speaker":"Alan Smith","startTime":2592.88,"endTime":2595.37,"body":"love him is excellent. And we"},{"speaker":"Alan Smith","startTime":2595.37,"endTime":2598.58,"body":"say great. In due course, be"},{"speaker":"Alan Smith","startTime":2595.37,"endTime":2598.58,"body":"nice for you can introduce us"},{"speaker":"Alan Smith","startTime":2598.67,"endTime":2601.7,"body":"occasionally, they say actually"},{"speaker":"Alan Smith","startTime":2598.67,"endTime":2601.7,"body":"not very good, or he's about to"},{"speaker":"Alan Smith","startTime":2601.7,"endTime":2604.97,"body":"retire, or she's about to"},{"speaker":"Alan Smith","startTime":2601.7,"endTime":2604.97,"body":"retire. And we say noted, we"},{"speaker":"Alan Smith","startTime":2604.97,"endTime":2607.85,"body":"work we've got a network of"},{"speaker":"Alan Smith","startTime":2604.97,"endTime":2607.85,"body":"highly, you know, excellent"},{"speaker":"Alan Smith","startTime":2607.85,"endTime":2610.46,"body":"professionals that we can, if"},{"speaker":"Alan Smith","startTime":2607.85,"endTime":2610.46,"body":"appropriate, refer you to in due"},{"speaker":"Alan Smith","startTime":2610.46,"endTime":2612.92,"body":"course, which is a good thing to"},{"speaker":"Alan Smith","startTime":2610.46,"endTime":2612.92,"body":"do. point where you carry on to"},{"speaker":"Alan Smith","startTime":2612.92,"endTime":2616.7599999999998,"body":"the normal process, you bring"},{"speaker":"Alan Smith","startTime":2612.92,"endTime":2616.7599999999998,"body":"the client on board, you start"},{"speaker":"Alan Smith","startTime":2616.7599999999998,"endTime":2620.24,"body":"working with them, and then you"},{"speaker":"Alan Smith","startTime":2616.7599999999998,"endTime":2620.24,"body":"complete the circle, you've now"},{"speaker":"Alan Smith","startTime":2620.24,"endTime":2622.97,"body":"that you've got the information,"},{"speaker":"Alan Smith","startTime":2620.24,"endTime":2622.97,"body":"it's important, then your system"},{"speaker":"Alan Smith","startTime":2622.97,"endTime":2625.3399999999997,"body":"should be that one of the first"},{"speaker":"Alan Smith","startTime":2622.97,"endTime":2625.3399999999997,"body":"things you do once a client's on"},{"speaker":"Alan Smith","startTime":2625.3399999999997,"endTime":2627.83,"body":"boarded, is you reach out to"},{"speaker":"Alan Smith","startTime":2625.3399999999997,"endTime":2627.83,"body":"that in this case, that"},{"speaker":"Alan Smith","startTime":2627.83,"endTime":2631.37,"body":"accountant is the most this is"},{"speaker":"Alan Smith","startTime":2627.83,"endTime":2631.37,"body":"the most common approach you you"},{"speaker":"Alan Smith","startTime":2631.37,"endTime":2636.0499999999997,"body":"reach out to them, you send them"},{"speaker":"Alan Smith","startTime":2631.37,"endTime":2636.0499999999997,"body":"an email. And the guaranteed way"},{"speaker":"Alan Smith","startTime":2636.0499999999997,"endTime":2639.29,"body":"of them opening the email is the"},{"speaker":"Alan Smith","startTime":2636.0499999999997,"endTime":2639.29,"body":"title of the email is we have a"},{"speaker":"Alan Smith","startTime":2639.29,"endTime":2643.52,"body":"mutual clients. And they'll"},{"speaker":"Alan Smith","startTime":2639.29,"endTime":2643.52,"body":"definitely open that email and"},{"speaker":"Alan Smith","startTime":2643.5499999999997,"endTime":2645.95,"body":"your what you're saying and of"},{"speaker":"Alan Smith","startTime":2643.5499999999997,"endTime":2645.95,"body":"course with you seeking the"},{"speaker":"Alan Smith","startTime":2645.95,"endTime":2648.65,"body":"permission from the client in"},{"speaker":"Alan Smith","startTime":2645.95,"endTime":2648.65,"body":"the first place. Once we once we"},{"speaker":"Alan Smith","startTime":2648.65,"endTime":2651.14,"body":"do this, we'll be okay to"},{"speaker":"Alan Smith","startTime":2648.65,"endTime":2651.14,"body":"introduce and we'll I should go"},{"speaker":"Alan Smith","startTime":2651.14,"endTime":2653.8399999999997,"body":"and meet John, your accountant"},{"speaker":"Alan Smith","startTime":2651.14,"endTime":2653.8399999999997,"body":"to make sure that the advice is"},{"speaker":"Alan Smith","startTime":2653.8399999999997,"endTime":2656.48,"body":"all joined up that there's no"},{"speaker":"Alan Smith","startTime":2653.8399999999997,"endTime":2656.48,"body":"kind of duplication and he knows"},{"speaker":"Alan Smith","startTime":2656.48,"endTime":2658.94,"body":"what we're doing with the"},{"speaker":"Alan Smith","startTime":2656.48,"endTime":2658.94,"body":"clients permission, we will then"},{"speaker":"Alan Smith","startTime":2658.94,"endTime":2664.79,"body":"show them the financial plan."},{"speaker":"Alan Smith","startTime":2658.94,"endTime":2664.79,"body":"And back to the point about how"},{"speaker":"Alan Smith","startTime":2664.79,"endTime":2667.46,"body":"many advisors even in the UK are"},{"speaker":"Alan Smith","startTime":2664.79,"endTime":2667.46,"body":"delivering high quality"},{"speaker":"Alan Smith","startTime":2667.6099999999997,"endTime":2671.33,"body":"documented cash flow based"},{"speaker":"Alan Smith","startTime":2667.6099999999997,"endTime":2671.33,"body":"financial plans still very few."},{"speaker":"Alan Smith","startTime":2671.66,"endTime":2674.42,"body":"So I find me go and have a"},{"speaker":"Alan Smith","startTime":2671.66,"endTime":2674.42,"body":"conversation, have a meeting"},{"speaker":"Alan Smith","startTime":2674.42,"endTime":2678.14,"body":"have a cup of coffee with the"},{"speaker":"Alan Smith","startTime":2674.42,"endTime":2678.14,"body":"accountancy in this case,"},{"speaker":"Alan Smith","startTime":2678.35,"endTime":2681.41,"body":"they're often the blown away the"},{"speaker":"Alan Smith","startTime":2678.35,"endTime":2681.41,"body":"saying, Wow, I didn't and some"},{"speaker":"Alan Smith","startTime":2681.41,"endTime":2683.6,"body":"of these are organizations,"},{"speaker":"Alan Smith","startTime":2681.41,"endTime":2683.6,"body":"sometimes we've got an in house"},{"speaker":"Alan Smith","startTime":2683.63,"endTime":2687.08,"body":"IFA. And they say I didn't know"},{"speaker":"Alan Smith","startTime":2683.63,"endTime":2687.08,"body":"you did this sort of quality of"},{"speaker":"Alan Smith","startTime":2687.08,"endTime":2691.58,"body":"work. And I'm you know, we were"},{"speaker":"Alan Smith","startTime":2687.08,"endTime":2691.58,"body":"just effectively at that stage,"},{"speaker":"Alan Smith","startTime":2691.58,"endTime":2695.21,"body":"we've opened the door, we've got"},{"speaker":"Alan Smith","startTime":2691.58,"endTime":2695.21,"body":"a Fact Finder, sort of a"},{"speaker":"Alan Smith","startTime":2695.24,"endTime":2697.91,"body":"questionnaire that we asked the"},{"speaker":"Alan Smith","startTime":2695.24,"endTime":2697.91,"body":"accountant, it's important for"},{"speaker":"Alan Smith","startTime":2697.91,"endTime":2699.35,"body":"us to know, we asked them"},{"speaker":"Unknown","startTime":2703.0099999999998,"endTime":2707.39,"body":"grab yourself a drink,"},{"speaker":"Unknown","startTime":2703.0099999999998,"endTime":2707.39,"body":"a very long drink. It's"},{"speaker":"Unknown","startTime":2707.39,"endTime":2710.15,"body":"Storytime with Ellen Smith,"},{"speaker":"Nick Lincoln","startTime":2710.7799999999997,"endTime":2712.67,"body":"the funniest thing"},{"speaker":"Nick Lincoln","startTime":2710.7799999999997,"endTime":2712.67,"body":"is the look of a noise that goes"},{"speaker":"Nick Lincoln","startTime":2712.67,"endTime":2712.8199999999997,"body":"over"},{"speaker":"Alan Smith","startTime":2715.0099999999998,"endTime":2719.8399999999997,"body":"really well, that's"},{"speaker":"Alan Smith","startTime":2715.0099999999998,"endTime":2719.8399999999997,"body":"not as good. But it's good. It's"},{"speaker":"Alan Smith","startTime":2719.8399999999997,"endTime":2723.5299999999997,"body":"good food, just to be anti hot,"},{"speaker":"Alan Smith","startTime":2719.8399999999997,"endTime":2723.5299999999997,"body":"happy. The only thing I see"},{"speaker":"Alan Smith","startTime":2723.5299999999997,"endTime":2726.95,"body":"Scottish. 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And you're going to"},{"speaker":"Alan Smith","startTime":2732.23,"endTime":2733.88,"body":"ask them normal questions about"},{"speaker":"Alan Smith","startTime":2732.23,"endTime":2733.88,"body":"their business, what they're"},{"speaker":"Alan Smith","startTime":2733.88,"endTime":2736.0099999999998,"body":"trying to achieve to be"},{"speaker":"Alan Smith","startTime":2733.88,"endTime":2736.0099999999998,"body":"specialized in anything because"},{"speaker":"Alan Smith","startTime":2736.0099999999998,"endTime":2739.37,"body":"we are genuinely occasionally"},{"speaker":"Alan Smith","startTime":2736.0099999999998,"endTime":2739.37,"body":"have a need to refer to high"},{"speaker":"Alan Smith","startTime":2739.37,"endTime":2741.38,"body":"quality third party"},{"speaker":"Alan Smith","startTime":2739.37,"endTime":2741.38,"body":"professionals like accountants,"},{"speaker":"Alan Smith","startTime":2741.38,"endTime":2745.91,"body":"for example. 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Do you have all"},{"speaker":"Alan Smith","startTime":2779.75,"endTime":2783.02,"body":"their if you've got accountants"},{"speaker":"Alan Smith","startTime":2783.02,"endTime":2785.75,"body":"do you have all the names of"},{"speaker":"Alan Smith","startTime":2783.02,"endTime":2785.75,"body":"their accountants listed side by"},{"speaker":"Alan Smith","startTime":2785.75,"endTime":2788.9,"body":"side, on your CRM system or your"},{"speaker":"Alan Smith","startTime":2785.75,"endTime":2788.9,"body":"on your documentation about your"},{"speaker":"Alan Smith","startTime":2788.9,"endTime":2791.99,"body":"clients? 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So I'm"},{"speaker":"Alan Smith","startTime":2796.58,"endTime":2799.7599999999998,"body":"just talking about creating a"},{"speaker":"Alan Smith","startTime":2796.58,"endTime":2799.7599999999998,"body":"very simplistic system, which I"},{"speaker":"Alan Smith","startTime":2799.7599999999998,"endTime":2802.49,"body":"promise you if you do this, and"},{"speaker":"Alan Smith","startTime":2799.7599999999998,"endTime":2802.49,"body":"you've opened the doors, and"},{"speaker":"Alan Smith","startTime":2802.49,"endTime":2804.5,"body":"certainly if you've met, and"},{"speaker":"Alan Smith","startTime":2802.49,"endTime":2804.5,"body":"you've opened a relationship,"},{"speaker":"Alan Smith","startTime":2804.5,"endTime":2807.1099999999997,"body":"and you show the quality of your"},{"speaker":"Alan Smith","startTime":2804.5,"endTime":2807.1099999999997,"body":"work, and you drip feed some"},{"speaker":"Alan Smith","startTime":2807.1099999999997,"endTime":2808.88,"body":"information, we're not going in"},{"speaker":"Alan Smith","startTime":2807.1099999999997,"endTime":2808.88,"body":"there. So by the way, Journey"},{"speaker":"Alan Smith","startTime":2808.88,"endTime":2811.04,"body":"client, you can refer us to"},{"speaker":"Alan Smith","startTime":2808.88,"endTime":2811.04,"body":"course, we're not doing that."},{"speaker":"Alan Smith","startTime":2811.31,"endTime":2813.74,"body":"But we're effectively going back"},{"speaker":"Alan Smith","startTime":2811.31,"endTime":2813.74,"body":"to that or magical thing, show"},{"speaker":"Alan Smith","startTime":2813.74,"endTime":2817.85,"body":"your work. In Mises say my"},{"speaker":"Alan Smith","startTime":2813.74,"endTime":2817.85,"body":"experience, you move away from"},{"speaker":"Alan Smith","startTime":2817.85,"endTime":2820.97,"body":"this, oh, you're the IFA guys,"},{"speaker":"Alan Smith","startTime":2817.85,"endTime":2820.97,"body":"you sell pensions and things to"},{"speaker":"Alan Smith","startTime":2820.97,"endTime":2823.58,"body":"say, there'll be work"},{"speaker":"Alan Smith","startTime":2820.97,"endTime":2823.58,"body":"collaboratively with, we can"},{"speaker":"Alan Smith","startTime":2823.58,"endTime":2825.47,"body":"work capital with the UK, and"},{"speaker":"Alan Smith","startTime":2823.58,"endTime":2825.47,"body":"particularly the business"},{"speaker":"Alan Smith","startTime":2825.47,"endTime":2828.0499999999997,"body":"owners, because they've got cash"},{"speaker":"Alan Smith","startTime":2825.47,"endTime":2828.0499999999997,"body":"flow, often built within the"},{"speaker":"Alan Smith","startTime":2828.0499999999997,"endTime":2829.7,"body":"business, they've got the p\u0026l,"},{"speaker":"Alan Smith","startTime":2828.0499999999997,"endTime":2829.7,"body":"they've got all this stuff"},{"speaker":"Alan Smith","startTime":2829.7,"endTime":2832.52,"body":"worked out. And if we're"},{"speaker":"Alan Smith","startTime":2829.7,"endTime":2832.52,"body":"applying that to the family, in"},{"speaker":"Alan Smith","startTime":2832.52,"endTime":2835.16,"body":"collaboration with a sort of"},{"speaker":"Alan Smith","startTime":2832.52,"endTime":2835.16,"body":"business owner, it can be a"},{"speaker":"Alan Smith","startTime":2835.16,"endTime":2839.06,"body":"really nice way of delivering"},{"speaker":"Alan Smith","startTime":2835.16,"endTime":2839.06,"body":"and ultimately for the benefit"},{"speaker":"Alan Smith","startTime":2839.06,"endTime":2842.0899999999997,"body":"of the client. And then you have"},{"speaker":"Alan Smith","startTime":2839.06,"endTime":2842.0899999999997,"body":"the opportunity for further"},{"speaker":"Alan Smith","startTime":2842.12,"endTime":2843.8599999999997,"body":"referrals. And of course, it"},{"speaker":"Alan Smith","startTime":2842.12,"endTime":2843.8599999999997,"body":"works great if we've got the"},{"speaker":"Alan Smith","startTime":2843.8599999999997,"endTime":2846.98,"body":"opportunity to refer clients"},{"speaker":"Alan Smith","startTime":2843.8599999999997,"endTime":2846.98,"body":"into accountants or lawyers, or"},{"speaker":"Alan Smith","startTime":2846.98,"endTime":2849.56,"body":"wherever else. So that's my"},{"speaker":"Alan Smith","startTime":2846.98,"endTime":2849.56,"body":"starter for 10, who else wants"},{"speaker":"Alan Smith","startTime":2849.56,"endTime":2850.4,"body":"to share?"},{"speaker":"Carl Widger","startTime":2853.04,"endTime":2858.71,"body":"You want me to go,"},{"speaker":"Carl Widger","startTime":2853.04,"endTime":2858.71,"body":"I wrote a couple of points. This"},{"speaker":"Carl Widger","startTime":2858.71,"endTime":2862.46,"body":"is really big for us, Mattis,"},{"speaker":"Carl Widger","startTime":2858.71,"endTime":2862.46,"body":"we've been reasonably"},{"speaker":"Carl Widger","startTime":2862.46,"endTime":2866.72,"body":"successful, I would say. And so"},{"speaker":"Carl Widger","startTime":2862.46,"endTime":2866.72,"body":"there's a couple of key things"},{"speaker":"Carl Widger","startTime":2866.72,"endTime":2871.6099999999997,"body":"that we do. Number one, we have"},{"speaker":"Carl Widger","startTime":2866.72,"endTime":2871.6099999999997,"body":"case studies written so case"},{"speaker":"Carl Widger","startTime":2871.6099999999997,"endTime":2877.8199999999997,"body":"studies on the types of clients,"},{"speaker":"Carl Widger","startTime":2871.6099999999997,"endTime":2877.8199999999997,"body":"business owners, our Estate"},{"speaker":"Carl Widger","startTime":2877.8199999999997,"endTime":2881.0899999999997,"body":"Planning, so we've blogs written"},{"speaker":"Carl Widger","startTime":2877.8199999999997,"endTime":2881.0899999999997,"body":"so that if we're talking to"},{"speaker":"Carl Widger","startTime":2881.0899999999997,"endTime":2884.75,"body":"someone who might maybe a center"},{"speaker":"Carl Widger","startTime":2881.0899999999997,"endTime":2884.75,"body":"of influence, we can send a link"},{"speaker":"Carl Widger","startTime":2884.7799999999997,"endTime":2887.2999999999997,"body":"to here's a, here's something"},{"speaker":"Carl Widger","startTime":2884.7799999999997,"endTime":2887.2999999999997,"body":"we've written before. And that"},{"speaker":"Carl Widger","startTime":2887.2999999999997,"endTime":2890.39,"body":"might be from effort, we're"},{"speaker":"Carl Widger","startTime":2887.2999999999997,"endTime":2890.39,"body":"trying to make those as"},{"speaker":"Carl Widger","startTime":2890.39,"endTime":2894.98,"body":"evergreen as possible. And so I"},{"speaker":"Carl Widger","startTime":2890.39,"endTime":2894.98,"body":"think that is absolutely key"},{"speaker":"Carl Widger","startTime":2894.98,"endTime":2898.2799999999997,"body":"because very, very quickly after"},{"speaker":"Carl Widger","startTime":2894.98,"endTime":2898.2799999999997,"body":"conversation, you go, Hey,"},{"speaker":"Carl Widger","startTime":2898.46,"endTime":2902.0899999999997,"body":"enjoyed our chat, here's a case"},{"speaker":"Carl Widger","startTime":2898.46,"endTime":2902.0899999999997,"body":"study that we've already done."},{"speaker":"Carl Widger","startTime":2902.0899999999997,"endTime":2904.94,"body":"So you're not like in the"},{"speaker":"Carl Widger","startTime":2902.0899999999997,"endTime":2904.94,"body":"background, trying to, let's do"},{"speaker":"Carl Widger","startTime":2904.94,"endTime":2907.7,"body":"a case study or whatever. So"},{"speaker":"Carl Widger","startTime":2904.94,"endTime":2907.7,"body":"have those ready, they'll help"},{"speaker":"Carl Widger","startTime":2907.7,"endTime":2910.13,"body":"you anyway, in terms of, you"},{"speaker":"Carl Widger","startTime":2907.7,"endTime":2910.13,"body":"know, having on your website,"},{"speaker":"Carl Widger","startTime":2910.13,"endTime":2913.49,"body":"and that kind of stuff. So I can"},{"speaker":"Carl Widger","startTime":2910.13,"endTime":2913.49,"body":"see how everybody wouldn't have"},{"speaker":"Carl Widger","startTime":2913.49,"endTime":2917.99,"body":"some case studies on their, on"},{"speaker":"Carl Widger","startTime":2913.49,"endTime":2917.99,"body":"their website. Ours are there"},{"speaker":"Carl Widger","startTime":2917.99,"endTime":2921.7999999999997,"body":"for everyone to see. So you can"},{"speaker":"Carl Widger","startTime":2917.99,"endTime":2921.7999999999997,"body":"go look at ours. And I would say"},{"speaker":"Carl Widger","startTime":2921.7999999999997,"endTime":2925.19,"body":"that every advisor, every client"},{"speaker":"Carl Widger","startTime":2921.7999999999997,"endTime":2925.19,"body":"facing advisor, private client"},{"speaker":"Carl Widger","startTime":2925.19,"endTime":2929.12,"body":"managers, we we call them should"},{"speaker":"Carl Widger","startTime":2925.19,"endTime":2929.12,"body":"have no more than three, so two"},{"speaker":"Carl Widger","startTime":2929.12,"endTime":2932.0299999999997,"body":"to three centers of influence."},{"speaker":"Carl Widger","startTime":2929.12,"endTime":2932.0299999999997,"body":"So don't try and spread yourself"},{"speaker":"Carl Widger","startTime":2932.0299999999997,"endTime":2935.5099999999998,"body":"too thin, because you won't be"},{"speaker":"Carl Widger","startTime":2932.0299999999997,"endTime":2935.5099999999998,"body":"able to give kind of dedicated"},{"speaker":"Carl Widger","startTime":2935.5099999999998,"endTime":2938.81,"body":"service and the good fields and"},{"speaker":"Carl Widger","startTime":2935.5099999999998,"endTime":2938.81,"body":"the good vibes to more than"},{"speaker":"Carl Widger","startTime":2938.81,"endTime":2943.19,"body":"that. So try and limit yourself"},{"speaker":"Carl Widger","startTime":2938.81,"endTime":2943.19,"body":"to identifying, you know, maybe"},{"speaker":"Carl Widger","startTime":2943.19,"endTime":2946.43,"body":"four or five and then trying to"},{"speaker":"Carl Widger","startTime":2943.19,"endTime":2946.43,"body":"actually get to do some work"},{"speaker":"Carl Widger","startTime":2946.43,"endTime":2953.3599999999997,"body":"with with two or three. We've"},{"speaker":"Carl Widger","startTime":2946.43,"endTime":2953.3599999999997,"body":"often gone in and done a plan"},{"speaker":"Carl Widger","startTime":2954.2599999999998,"endTime":2957.29,"body":"for the, you know, managing"},{"speaker":"Carl Widger","startTime":2954.2599999999998,"endTime":2957.29,"body":"partner of an accountancy"},{"speaker":"Carl Widger","startTime":2957.29,"endTime":2961.94,"body":"practice, we're in the middle of"},{"speaker":"Carl Widger","startTime":2957.29,"endTime":2961.94,"body":"doing that for very big"},{"speaker":"Carl Widger","startTime":2962.0299999999997,"endTime":2965.48,"body":"accountancy practice, we're"},{"speaker":"Carl Widger","startTime":2962.0299999999997,"endTime":2965.48,"body":"doing plans for the partners,"},{"speaker":"Carl Widger","startTime":2965.63,"endTime":2968.87,"body":"that's we said, we'll just let"},{"speaker":"Carl Widger","startTime":2965.63,"endTime":2968.87,"body":"us let us just show you exactly"},{"speaker":"Carl Widger","startTime":2968.87,"endTime":2971.5699999999997,"body":"what we do, we'll take you"},{"speaker":"Carl Widger","startTime":2968.87,"endTime":2971.5699999999997,"body":"individually, and we'll bring"},{"speaker":"Carl Widger","startTime":2971.5699999999997,"endTime":2975.74,"body":"you through the planning"},{"speaker":"Carl Widger","startTime":2971.5699999999997,"endTime":2975.74,"body":"process. You know, like start to"},{"speaker":"Carl Widger","startTime":2975.74,"endTime":2977.69,"body":"finish, like we're going to do"},{"speaker":"Carl Widger","startTime":2975.74,"endTime":2977.69,"body":"business and there's no"},{"speaker":"Carl Widger","startTime":2977.69,"endTime":2979.97,"body":"pressure, if you have other"},{"speaker":"Carl Widger","startTime":2977.69,"endTime":2979.97,"body":"relationships built up, that's"},{"speaker":"Carl Widger","startTime":2979.97,"endTime":2983.5099999999998,"body":"absolutely fine. You do not have"},{"speaker":"Carl Widger","startTime":2979.97,"endTime":2983.5099999999998,"body":"to do any business with us. But"},{"speaker":"Carl Widger","startTime":2983.5099999999998,"endTime":2986.93,"body":"this is a great way for us to,"},{"speaker":"Carl Widger","startTime":2983.5099999999998,"endTime":2986.93,"body":"as you say, Alan to actually"},{"speaker":"Carl Widger","startTime":2986.93,"endTime":2992.5699999999997,"body":"show our work. And the we've"},{"speaker":"Carl Widger","startTime":2986.93,"endTime":2992.5699999999997,"body":"often don't know this is this"},{"speaker":"Carl Widger","startTime":2992.5699999999997,"endTime":2995.87,"body":"can be tricky with new clients,"},{"speaker":"Carl Widger","startTime":2992.5699999999997,"endTime":2995.87,"body":"right. But it is a good thing to"},{"speaker":"Carl Widger","startTime":2995.87,"endTime":3001.21,"body":"do, because it does build trust"},{"speaker":"Carl Widger","startTime":2995.87,"endTime":3001.21,"body":"is invite the client to invite"},{"speaker":"Carl Widger","startTime":3001.24,"endTime":3005.95,"body":"their accountant to the Metis"},{"speaker":"Carl Widger","startTime":3001.24,"endTime":3005.95,"body":"lifeline meeting, which is which"},{"speaker":"Carl Widger","startTime":3005.95,"endTime":3010.66,"body":"is our financial planning"},{"speaker":"Carl Widger","startTime":3005.95,"endTime":3010.66,"body":"meeting. Now, it can be done. It"},{"speaker":"Carl Widger","startTime":3010.66,"endTime":3014.02,"body":"can stunt though the goals"},{"speaker":"Carl Widger","startTime":3010.66,"endTime":3014.02,"body":"dreams and aspirations talk,"},{"speaker":"Carl Widger","startTime":3014.41,"endTime":3017.5,"body":"because clients in our"},{"speaker":"Carl Widger","startTime":3014.41,"endTime":3017.5,"body":"experience tend not to want to"},{"speaker":"Carl Widger","startTime":3017.5,"endTime":3020.7999999999997,"body":"have those discussions in front"},{"speaker":"Carl Widger","startTime":3017.5,"endTime":3020.7999999999997,"body":"of their accountant, because"},{"speaker":"Carl Widger","startTime":3020.7999999999997,"endTime":3025.27,"body":"they're private. And they're you"},{"speaker":"Carl Widger","startTime":3020.7999999999997,"endTime":3025.27,"body":"know, so what we've tended to do"},{"speaker":"Carl Widger","startTime":3025.33,"endTime":3029.65,"body":"is, let's do the matters life"},{"speaker":"Carl Widger","startTime":3025.33,"endTime":3029.65,"body":"plan meeting as we are with the"},{"speaker":"Carl Widger","startTime":3029.65,"endTime":3034.75,"body":"husband and with the wife. And"},{"speaker":"Carl Widger","startTime":3029.65,"endTime":3034.75,"body":"before we go implement. Let's do"},{"speaker":"Carl Widger","startTime":3034.75,"endTime":3037.42,"body":"it again, to make sure you're"},{"speaker":"Carl Widger","startTime":3034.75,"endTime":3037.42,"body":"comfortable and let's bring your"},{"speaker":"Carl Widger","startTime":3037.42,"endTime":3041.56,"body":"accountant in. And this is very"},{"speaker":"Carl Widger","startTime":3037.42,"endTime":3041.56,"body":"valid, right? We don't want to"},{"speaker":"Carl Widger","startTime":3041.56,"endTime":3048.43,"body":"be gone off doing the perfect"},{"speaker":"Carl Widger","startTime":3041.56,"endTime":3048.43,"body":"example. Let's absolutely load"},{"speaker":"Carl Widger","startTime":3048.43,"endTime":3050.98,"body":"up your pension fund to 2"},{"speaker":"Carl Widger","startTime":3048.43,"endTime":3050.98,"body":"million quid when the accountant"},{"speaker":"Carl Widger","startTime":3050.98,"endTime":3054.7599999999998,"body":"is thinking in his head well on"},{"speaker":"Carl Widger","startTime":3050.98,"endTime":3054.7599999999998,"body":"we need a million quid in the in"},{"speaker":"Carl Widger","startTime":3054.7599999999998,"endTime":3058.93,"body":"the business for entrepreneur"},{"speaker":"Carl Widger","startTime":3054.7599999999998,"endTime":3058.93,"body":"relief. So you know, it's"},{"speaker":"Carl Widger","startTime":3058.96,"endTime":3063.25,"body":"totally valid to say we need"},{"speaker":"Carl Widger","startTime":3058.96,"endTime":3063.25,"body":"your financial, we need your tax"},{"speaker":"Carl Widger","startTime":3063.25,"endTime":3067.0,"body":"advisor at the meeting before we"},{"speaker":"Carl Widger","startTime":3063.25,"endTime":3067.0,"body":"go and implement all of this to"},{"speaker":"Carl Widger","startTime":3067.0,"endTime":3070.12,"body":"make sure that that attack"},{"speaker":"Carl Widger","startTime":3067.0,"endTime":3070.12,"body":"strategy he's been working on"},{"speaker":"Carl Widger","startTime":3070.12,"endTime":3073.3599999999997,"body":"for 10 years that we're not"},{"speaker":"Carl Widger","startTime":3070.12,"endTime":3073.3599999999997,"body":"going to screw the whole thing"},{"speaker":"Carl Widger","startTime":3073.3599999999997,"endTime":3076.48,"body":"up so that we're all the really"},{"speaker":"Carl Widger","startTime":3073.3599999999997,"endTime":3076.48,"body":"important people are Welcome to"},{"speaker":"Carl Widger","startTime":3076.48,"endTime":3079.87,"body":"each other. And so that's worked"},{"speaker":"Carl Widger","startTime":3076.48,"endTime":3079.87,"body":"really, really well for us. Now,"},{"speaker":"Carl Widger","startTime":3079.87,"endTime":3082.48,"body":"we're not talking about doing"},{"speaker":"Carl Widger","startTime":3079.87,"endTime":3082.48,"body":"hundreds of these, by the way,"},{"speaker":"Carl Widger","startTime":3082.48,"endTime":3084.88,"body":"like, if everybody is looking to"},{"speaker":"Carl Widger","startTime":3082.48,"endTime":3084.88,"body":"get two or three centers of"},{"speaker":"Carl Widger","startTime":3084.88,"endTime":3087.73,"body":"influence, you might have one or"},{"speaker":"Carl Widger","startTime":3084.88,"endTime":3087.73,"body":"two or three of these meetings a"},{"speaker":"Carl Widger","startTime":3087.73,"endTime":3090.97,"body":"year. That's it, you know, but"},{"speaker":"Carl Widger","startTime":3087.73,"endTime":3090.97,"body":"we started this process with a"},{"speaker":"Carl Widger","startTime":3090.97,"endTime":3094.8399999999997,"body":"few clients, five or six years"},{"speaker":"Carl Widger","startTime":3090.97,"endTime":3094.8399999999997,"body":"ago. And now the accountant tax"},{"speaker":"Carl Widger","startTime":3094.8399999999997,"endTime":3098.35,"body":"advisor comes to every single"},{"speaker":"Carl Widger","startTime":3094.8399999999997,"endTime":3098.35,"body":"meeting. So it's a bit of a"},{"speaker":"Carl Widger","startTime":3098.35,"endTime":3100.81,"body":"faff, try and organize your"},{"speaker":"Carl Widger","startTime":3098.35,"endTime":3100.81,"body":"diary for a couple and then"},{"speaker":"Carl Widger","startTime":3100.81,"endTime":3104.98,"body":"their tax advisor. But it worked"},{"speaker":"Carl Widger","startTime":3100.81,"endTime":3104.98,"body":"really works because the clients"},{"speaker":"Carl Widger","startTime":3104.98,"endTime":3107.62,"body":"right, go back to the WHO"},{"speaker":"Carl Widger","startTime":3104.98,"endTime":3107.62,"body":"manners here, the clients feel"},{"speaker":"Carl Widger","startTime":3107.62,"endTime":3111.85,"body":"like, wow, I've got great people"},{"speaker":"Carl Widger","startTime":3107.62,"endTime":3111.85,"body":"around me here. Have two other"},{"speaker":"Carl Widger","startTime":3111.85,"endTime":3114.13,"body":"things, Nick, but if you want to"},{"speaker":"Carl Widger","startTime":3111.85,"endTime":3114.13,"body":"jump in there, the two others"},{"speaker":"Carl Widger","startTime":3114.13,"endTime":3117.31,"body":"are very quick. You crack on"},{"speaker":"Carl Widger","startTime":3114.13,"endTime":3117.31,"body":"magic. Thank you. Okay, just the"},{"speaker":"Carl Widger","startTime":3117.31,"endTime":3122.1099999999997,"body":"two others are events, and"},{"speaker":"Carl Widger","startTime":3117.31,"endTime":3122.1099999999997,"body":"particularly for us golf. So"},{"speaker":"Carl Widger","startTime":3122.1099999999997,"endTime":3126.73,"body":"bringing, people like to go to"},{"speaker":"Carl Widger","startTime":3122.1099999999997,"endTime":3126.73,"body":"nice places, right? Let's call a"},{"speaker":"Carl Widger","startTime":3126.73,"endTime":3129.88,"body":"spade a spade. So we've been"},{"speaker":"Carl Widger","startTime":3126.73,"endTime":3129.88,"body":"used. That's the"},{"speaker":"Nick Lincoln","startTime":3131.02,"endTime":3132.97,"body":"that's the Insight"},{"speaker":"Nick Lincoln","startTime":3131.02,"endTime":3132.97,"body":"artifacts expect from you guys."},{"speaker":"Carl Widger","startTime":3134.89,"endTime":3138.7,"body":"Like don't, don't"},{"speaker":"Carl Widger","startTime":3134.89,"endTime":3138.7,"body":"don't overlook this. There's the"},{"speaker":"Carl Widger","startTime":3138.7,"endTime":3143.3199999999997,"body":"simple wins. Yeah. So where were"},{"speaker":"Carl Widger","startTime":3138.7,"endTime":3143.3199999999997,"body":"members in Mount Juliet. So we"},{"speaker":"Carl Widger","startTime":3143.3199999999997,"endTime":3145.93,"body":"bring people to Mount Juliet,"},{"speaker":"Carl Widger","startTime":3143.3199999999997,"endTime":3145.93,"body":"which is a lovely golf course in"},{"speaker":"Carl Widger","startTime":3145.93,"endTime":3149.62,"body":"southeast of Ireland. And that's"},{"speaker":"Carl Widger","startTime":3145.93,"endTime":3149.62,"body":"been very effective for us. I"},{"speaker":"Carl Widger","startTime":3149.62,"endTime":3153.58,"body":"would say, one of my colleagues"},{"speaker":"Carl Widger","startTime":3149.62,"endTime":3153.58,"body":"is different on this, but I"},{"speaker":"Carl Widger","startTime":3153.58,"endTime":3157.3599999999997,"body":"never ever ever talk about work"},{"speaker":"Carl Widger","startTime":3153.58,"endTime":3157.3599999999997,"body":"on a golf course, ever just have"},{"speaker":"Carl Widger","startTime":3157.3599999999997,"endTime":3159.79,"body":"a bit of fun, have a bit of"},{"speaker":"Carl Widger","startTime":3157.3599999999997,"endTime":3159.79,"body":"crack, and then I'll follow up"},{"speaker":"Carl Widger","startTime":3159.79,"endTime":3162.13,"body":"with an email, Hey, can we have"},{"speaker":"Carl Widger","startTime":3159.79,"endTime":3162.13,"body":"a coffee and maybe talk about a"},{"speaker":"Carl Widger","startTime":3162.13,"endTime":3166.63,"body":"business. And then I mentioned"},{"speaker":"Carl Widger","startTime":3162.13,"endTime":3166.63,"body":"in the when we're talking about"},{"speaker":"Carl Widger","startTime":3166.63,"endTime":3169.12,"body":"client referrals in the last"},{"speaker":"Carl Widger","startTime":3166.63,"endTime":3169.12,"body":"episode about little things,"},{"speaker":"Carl Widger","startTime":3169.12,"endTime":3172.24,"body":"small things work, you know, so"},{"speaker":"Carl Widger","startTime":3169.12,"endTime":3172.24,"body":"that was buying gifts or"},{"speaker":"Carl Widger","startTime":3172.24,"endTime":3177.79,"body":"whatever, right? Way, way back,"},{"speaker":"Carl Widger","startTime":3172.24,"endTime":3177.79,"body":"this is possibly a little bit"},{"speaker":"Carl Widger","startTime":3177.79,"endTime":3181.63,"body":"cringe, right? But tax deadline,"},{"speaker":"Carl Widger","startTime":3177.79,"endTime":3181.63,"body":"personal tax deadline, middle of"},{"speaker":"Carl Widger","startTime":3181.63,"endTime":3185.14,"body":"November, and accountants are"},{"speaker":"Carl Widger","startTime":3181.63,"endTime":3185.14,"body":"all work until at nine o'clock"},{"speaker":"Carl Widger","startTime":3185.14,"endTime":3188.71,"body":"at night, we ordered a lot of"},{"speaker":"Carl Widger","startTime":3185.14,"endTime":3188.71,"body":"pizzas, and we sent them around"},{"speaker":"Carl Widger","startTime":3188.71,"endTime":3189.94,"body":"to an accountants office"},{"speaker":"Nick Lincoln","startTime":3190.54,"endTime":3194.5,"body":"really loved it."},{"speaker":"Nick Lincoln","startTime":3190.54,"endTime":3194.5,"body":"And it is brilliant. And"},{"speaker":"Carl Widger","startTime":3194.74,"endTime":3196.75,"body":"we still do"},{"speaker":"Carl Widger","startTime":3194.74,"endTime":3196.75,"body":"business with them. So there you"},{"speaker":"Carl Widger","startTime":3196.75,"endTime":3199.81,"body":"go. So look, there are just a"},{"speaker":"Carl Widger","startTime":3196.75,"endTime":3199.81,"body":"couple of ideas. And I've kind"},{"speaker":"Carl Widger","startTime":3199.81,"endTime":3202.66,"body":"of flown through all of them."},{"speaker":"Carl Widger","startTime":3199.81,"endTime":3202.66,"body":"Because, you know, people will"},{"speaker":"Carl Widger","startTime":3202.66,"endTime":3205.42,"body":"take, some of them will be great"},{"speaker":"Carl Widger","startTime":3202.66,"endTime":3205.42,"body":"for people, and some of them"},{"speaker":"Carl Widger","startTime":3205.42,"endTime":3208.06,"body":"will be absolute rubbish. So"},{"speaker":"Carl Widger","startTime":3205.42,"endTime":3208.06,"body":"here you go. That's my take on"},{"speaker":"Carl Widger","startTime":3208.06,"endTime":3208.63,"body":"central again."},{"speaker":"Nick Lincoln","startTime":3209.41,"endTime":3211.0899999999997,"body":"Thank you. Thanks,"},{"speaker":"Nick Lincoln","startTime":3209.41,"endTime":3211.0899999999997,"body":"Anna, for your contributions."},{"speaker":"Nick Lincoln","startTime":3212.14,"endTime":3216.25,"body":"What if people do bring up work"},{"speaker":"Nick Lincoln","startTime":3212.14,"endTime":3216.25,"body":"on the golf course called D,"},{"speaker":"Nick Lincoln","startTime":3216.25,"endTime":3218.35,"body":"then will you then engage with"},{"speaker":"Nick Lincoln","startTime":3216.25,"endTime":3218.35,"body":"them? Or do you try and steer it"},{"speaker":"Nick Lincoln","startTime":3218.35,"endTime":3221.14,"body":"away to keep it light touch, but"},{"speaker":"Nick Lincoln","startTime":3218.35,"endTime":3221.14,"body":"if you bring in the clients that"},{"speaker":"Nick Lincoln","startTime":3221.17,"endTime":3222.88,"body":"the prospects bring into the"},{"speaker":"Nick Lincoln","startTime":3221.17,"endTime":3222.88,"body":"conversation,"},{"speaker":"Carl Widger","startTime":3224.3199999999997,"endTime":3226.66,"body":"I tend to steer it"},{"speaker":"Carl Widger","startTime":3224.3199999999997,"endTime":3226.66,"body":"away, because what do most"},{"speaker":"Carl Widger","startTime":3226.66,"endTime":3230.2,"body":"accountants think of the"},{"speaker":"Carl Widger","startTime":3226.66,"endTime":3230.2,"body":"financial advisor industry? Is"},{"speaker":"Carl Widger","startTime":3230.2,"endTime":3233.5899999999997,"body":"that, you know, what's the best"},{"speaker":"Carl Widger","startTime":3230.2,"endTime":3233.5899999999997,"body":"pension fund out there? Or would"},{"speaker":"Carl Widger","startTime":3233.5899999999997,"endTime":3236.14,"body":"you buy Apple shares now? Yeah,"},{"speaker":"Carl Widger","startTime":3233.5899999999997,"endTime":3236.14,"body":"they're the questions I get"},{"speaker":"Carl Widger","startTime":3236.14,"endTime":3239.38,"body":"asked, nobody asked me about"},{"speaker":"Carl Widger","startTime":3236.14,"endTime":3239.38,"body":"real financial planning. So I"},{"speaker":"Carl Widger","startTime":3239.38,"endTime":3242.95,"body":"kind of, I don't dismiss that,"},{"speaker":"Carl Widger","startTime":3239.38,"endTime":3242.95,"body":"like, you know, some of you"},{"speaker":"Carl Widger","startTime":3242.98,"endTime":3245.83,"body":"might strive in terms of that's"},{"speaker":"Carl Widger","startTime":3242.98,"endTime":3245.83,"body":"not what we do, right? I just"},{"speaker":"Carl Widger","startTime":3245.83,"endTime":3248.77,"body":"go, Look, there's an awful lot"},{"speaker":"Carl Widger","startTime":3245.83,"endTime":3248.77,"body":"more to what we do. And"},{"speaker":"Carl Widger","startTime":3248.77,"endTime":3251.17,"body":"actually, that's kind of the end"},{"speaker":"Carl Widger","startTime":3248.77,"endTime":3251.17,"body":"of the process is investment"},{"speaker":"Carl Widger","startTime":3251.17,"endTime":3255.1,"body":"strategies. And we do have an"},{"speaker":"Carl Widger","startTime":3251.17,"endTime":3255.1,"body":"investment philosophy, but happy"},{"speaker":"Carl Widger","startTime":3255.1,"endTime":3259.39,"body":"to share that with you. But But"},{"speaker":"Carl Widger","startTime":3255.1,"endTime":3259.39,"body":"you know, it's really holistic"},{"speaker":"Carl Widger","startTime":3259.39,"endTime":3262.0899999999997,"body":"financial planning, which is why"},{"speaker":"Carl Widger","startTime":3259.39,"endTime":3262.0899999999997,"body":"we'd love to talk to you and"},{"speaker":"Carl Widger","startTime":3262.0899999999997,"endTime":3266.29,"body":"your best clients. And then I'd"},{"speaker":"Carl Widger","startTime":3262.0899999999997,"endTime":3266.29,"body":"that at that stage, I wouldn't"},{"speaker":"Carl Widger","startTime":3266.3199999999997,"endTime":3270.3399999999997,"body":"have brought up happy to do a"},{"speaker":"Carl Widger","startTime":3266.3199999999997,"endTime":3270.3399999999997,"body":"plan. So you know exactly,"},{"speaker":"Carl Widger","startTime":3270.3399999999997,"endTime":3273.5499999999997,"body":"actually what we do, we can do"},{"speaker":"Carl Widger","startTime":3270.3399999999997,"endTime":3273.5499999999997,"body":"it for you. Or we could do it"},{"speaker":"Carl Widger","startTime":3274.45,"endTime":3278.65,"body":"for your best clients. But take"},{"speaker":"Carl Widger","startTime":3274.45,"endTime":3278.65,"body":"the best clients name out. So"},{"speaker":"Carl Widger","startTime":3278.68,"endTime":3282.7,"body":"we're just working on a bunch of"},{"speaker":"Carl Widger","startTime":3278.68,"endTime":3282.7,"body":"data, you fill it in and put in"},{"speaker":"Carl Widger","startTime":3282.7,"endTime":3286.96,"body":"Joe Bloggs and Mary blogs, and"},{"speaker":"Carl Widger","startTime":3282.7,"endTime":3286.96,"body":"we'll do the plan for them and"},{"speaker":"Carl Widger","startTime":3286.96,"endTime":3290.35,"body":"show you. So that's been"},{"speaker":"Carl Widger","startTime":3286.96,"endTime":3290.35,"body":"effective as"},{"speaker":"Alan Smith","startTime":3290.35,"endTime":3293.3199999999997,"body":"well. It's quite"},{"speaker":"Alan Smith","startTime":3290.35,"endTime":3293.3199999999997,"body":"funny on that just in general"},{"speaker":"Alan Smith","startTime":3293.3199999999997,"endTime":3296.5,"body":"car when people say no doubt"},{"speaker":"Alan Smith","startTime":3293.3199999999997,"endTime":3296.5,"body":"they do to all of us. So people"},{"speaker":"Alan Smith","startTime":3296.5,"endTime":3298.72,"body":"ask, especially during the"},{"speaker":"Alan Smith","startTime":3296.5,"endTime":3298.72,"body":"holiday season, coming up"},{"speaker":"Alan Smith","startTime":3298.75,"endTime":3301.12,"body":"meeting up with friends and"},{"speaker":"Alan Smith","startTime":3298.75,"endTime":3301.12,"body":"family and stuff. And they'll"},{"speaker":"Alan Smith","startTime":3301.12,"endTime":3302.8599999999997,"body":"ask questions like would you"},{"speaker":"Alan Smith","startTime":3301.12,"endTime":3302.8599999999997,"body":"think the market is going to do"},{"speaker":"Alan Smith","startTime":3302.8599999999997,"endTime":3306.31,"body":"next year? And the"},{"speaker":"Alan Smith","startTime":3302.8599999999997,"endTime":3306.31,"body":"disappointment? You say, I have"},{"speaker":"Alan Smith","startTime":3306.31,"endTime":3309.64,"body":"no idea. And if you say that to"},{"speaker":"Alan Smith","startTime":3306.31,"endTime":3309.64,"body":"them, which generally do they"},{"speaker":"Alan Smith","startTime":3309.64,"endTime":3313.5099999999998,"body":"just sort of look the little"},{"speaker":"Alan Smith","startTime":3309.64,"endTime":3313.5099999999998,"body":"faces is what why? I thought you"},{"speaker":"Alan Smith","startTime":3313.5099999999998,"endTime":3315.43,"body":"had finances that agenda will"},{"speaker":"Alan Smith","startTime":3313.5099999999998,"endTime":3315.43,"body":"change"},{"speaker":"Andy Hart","startTime":3315.43,"endTime":3318.6099999999997,"body":"our reply Shouldn't"},{"speaker":"Andy Hart","startTime":3315.43,"endTime":3318.6099999999997,"body":"we should say like, 36%. And"},{"speaker":"Andy Hart","startTime":3318.6099999999997,"endTime":3323.5,"body":"then I'm super interested when"},{"speaker":"Andy Hart","startTime":3318.6099999999997,"endTime":3323.5,"body":"we go with no idea. We say 25%"},{"speaker":"Andy Hart","startTime":3323.5,"endTime":3324.22,"body":"Probably next year."},{"speaker":"Carl Widger","startTime":3326.89,"endTime":3329.14,"body":"I think there's a"},{"speaker":"Carl Widger","startTime":3326.89,"endTime":3329.14,"body":"there's a slightly better way of"},{"speaker":"Carl Widger","startTime":3329.14,"endTime":3331.21,"body":"answering it, which is I want I"},{"speaker":"Carl Widger","startTime":3329.14,"endTime":3331.21,"body":"don't know what he's going to do"},{"speaker":"Carl Widger","startTime":3331.21,"endTime":3333.3399999999997,"body":"next year. But I can tell you"},{"speaker":"Carl Widger","startTime":3331.21,"endTime":3333.3399999999997,"body":"over the next 10 years is going"},{"speaker":"Carl Widger","startTime":3333.3399999999997,"endTime":3333.7,"body":"to go well."},{"speaker":"Alan Smith","startTime":3333.73,"endTime":3335.95,"body":"Yeah, but didn't"},{"speaker":"Alan Smith","startTime":3333.73,"endTime":3335.95,"body":"want to know that. You want to"},{"speaker":"Alan Smith","startTime":3335.95,"endTime":3339.43,"body":"buy Apple should I sell Amazon"},{"speaker":"Alan Smith","startTime":3335.95,"endTime":3339.43,"body":"should I do this or that? Yes,"},{"speaker":"Alan Smith","startTime":3339.43,"endTime":3342.6099999999997,"body":"the thing and navigate your way"},{"speaker":"Alan Smith","startTime":3339.43,"endTime":3342.6099999999997,"body":"around that without just being"},{"speaker":"Alan Smith","startTime":3342.6099999999997,"endTime":3345.7599999999998,"body":"dulled, which is what the answer"},{"speaker":"Alan Smith","startTime":3342.6099999999997,"endTime":3345.7599999999998,"body":"is, which is I don't know, but I"},{"speaker":"Alan Smith","startTime":3345.7599999999998,"endTime":3347.68,"body":"believe over the longer term it"},{"speaker":"Alan Smith","startTime":3345.7599999999998,"endTime":3347.68,"body":"will call up."},{"speaker":"Andy Hart","startTime":3348.67,"endTime":3349.3599999999997,"body":"People want"},{"speaker":"Carl Widger","startTime":3350.5,"endTime":3352.39,"body":"to tell you let me"},{"speaker":"Carl Widger","startTime":3350.5,"endTime":3352.39,"body":"tell you why I think smaller"},{"speaker":"Carl Widger","startTime":3352.39,"endTime":3357.79,"body":"companies will outperform I have"},{"speaker":"Carl Widger","startTime":3352.39,"endTime":3357.79,"body":"changed over VBA What do you do?"},{"speaker":"Carl Widger","startTime":3357.79,"endTime":3360.31,"body":"Right? So I used to call"},{"speaker":"Carl Widger","startTime":3357.79,"endTime":3360.31,"body":"financial planner, we do real"},{"speaker":"Carl Widger","startTime":3360.31,"endTime":3364.8399999999997,"body":"financial plans. So now I say"},{"speaker":"Carl Widger","startTime":3360.31,"endTime":3364.8399999999997,"body":"are financial planning firm and"},{"speaker":"Carl Widger","startTime":3364.8399999999997,"endTime":3368.44,"body":"a wealth management firm. So"},{"speaker":"Carl Widger","startTime":3364.8399999999997,"endTime":3368.44,"body":"because I don't want to"},{"speaker":"Carl Widger","startTime":3368.62,"endTime":3373.42,"body":"automatically preclude myself"},{"speaker":"Carl Widger","startTime":3368.62,"endTime":3373.42,"body":"from potential business. So that"},{"speaker":"Carl Widger","startTime":3373.42,"endTime":3374.38,"body":"has a"},{"speaker":"Alan Smith","startTime":3374.38,"endTime":3376.5099999999998,"body":"subject that's an I"},{"speaker":"Alan Smith","startTime":3374.38,"endTime":3376.5099999999998,"body":"agree with you is me See the"},{"speaker":"Alan Smith","startTime":3376.5099999999998,"endTime":3378.94,"body":"client potential client or"},{"speaker":"Alan Smith","startTime":3376.5099999999998,"endTime":3378.94,"body":"wherever, where they're where"},{"speaker":"Alan Smith","startTime":3378.94,"endTime":3383.5,"body":"their mind is? Do you see?"},{"speaker":"Alan Smith","startTime":3378.94,"endTime":3383.5,"body":"Financial life planner? I mean,"},{"speaker":"Alan Smith","startTime":3383.5299999999997,"endTime":3388.66,"body":"yeah. story. I wrote a story for"},{"speaker":"Alan Smith","startTime":3383.5299999999997,"endTime":3388.66,"body":"another time. And I did exactly"},{"speaker":"Alan Smith","startTime":3388.66,"endTime":3391.81,"body":"that in a big networking meeting"},{"speaker":"Alan Smith","startTime":3388.66,"endTime":3391.81,"body":"and everyone always thought was"},{"speaker":"Alan Smith","startTime":3391.81,"endTime":3394.0,"body":"a life coach, basically. Yeah."},{"speaker":"Nick Lincoln","startTime":3397.54,"endTime":3399.97,"body":"So yeah, Andy, I'm"},{"speaker":"Andy Hart","startTime":3399.97,"endTime":3402.2799999999997,"body":"gonna be talking"},{"speaker":"Andy Hart","startTime":3399.97,"endTime":3402.2799999999997,"body":"about classic network in a"},{"speaker":"Andy Hart","startTime":3402.2799999999997,"endTime":3404.8599999999997,"body":"second, just on your point about"},{"speaker":"Andy Hart","startTime":3402.2799999999997,"endTime":3404.8599999999997,"body":"two to three centers of"},{"speaker":"Andy Hart","startTime":3404.8599999999997,"endTime":3408.19,"body":"influence, like, Yes, that's"},{"speaker":"Andy Hart","startTime":3404.8599999999997,"endTime":3408.19,"body":"correct. If the two or three are"},{"speaker":"Andy Hart","startTime":3408.19,"endTime":3411.85,"body":"really good, but I think in your"},{"speaker":"Andy Hart","startTime":3408.19,"endTime":3411.85,"body":"early stages, it's more a case"},{"speaker":"Andy Hart","startTime":3411.85,"endTime":3416.35,"body":"of kissing a few more frogs to"},{"speaker":"Andy Hart","startTime":3411.85,"endTime":3416.35,"body":"them to then, you know, isolate"},{"speaker":"Andy Hart","startTime":3416.35,"endTime":3420.0099999999998,"body":"those two to three, and then"},{"speaker":"Andy Hart","startTime":3416.35,"endTime":3420.0099999999998,"body":"really work on them. Does that"},{"speaker":"Andy Hart","startTime":3420.0099999999998,"endTime":3422.08,"body":"make sense? But it was in the"},{"speaker":"Andy Hart","startTime":3420.0099999999998,"endTime":3422.08,"body":"early stages of building your"},{"speaker":"Andy Hart","startTime":3422.08,"endTime":3425.08,"body":"career as a lawyer as accountant"},{"speaker":"Andy Hart","startTime":3422.08,"endTime":3425.08,"body":"as a financial advisor, you you"},{"speaker":"Andy Hart","startTime":3425.08,"endTime":3427.18,"body":"spread yourself quite thin, and"},{"speaker":"Andy Hart","startTime":3425.08,"endTime":3427.18,"body":"try and speak to as many"},{"speaker":"Alan Smith","startTime":3427.87,"endTime":3429.43,"body":"as you would do that"},{"speaker":"Alan Smith","startTime":3427.87,"endTime":3429.43,"body":"you want to spread yourself"},{"speaker":"Alan Smith","startTime":3429.43,"endTime":3432.37,"body":"quite thin. And just the law of"},{"speaker":"Alan Smith","startTime":3429.43,"endTime":3432.37,"body":"averages means you will"},{"speaker":"Alan Smith","startTime":3432.37,"endTime":3434.98,"body":"hopefully over time, you'd only"},{"speaker":"Alan Smith","startTime":3432.37,"endTime":3434.98,"body":"hit off with two or three that"},{"speaker":"Alan Smith","startTime":3435.64,"endTime":3439.15,"body":"they build a bit. And it's those"},{"speaker":"Alan Smith","startTime":3435.64,"endTime":3439.15,"body":"ones very good. Meet, right."},{"speaker":"Alan Smith","startTime":3439.18,"endTime":3442.8399999999997,"body":"What what is what is I think is"},{"speaker":"Alan Smith","startTime":3439.18,"endTime":3442.8399999999997,"body":"just as dangerous can be a waste"},{"speaker":"Alan Smith","startTime":3442.8399999999997,"endTime":3446.0499999999997,"body":"of time is trying to meet every"},{"speaker":"Alan Smith","startTime":3442.8399999999997,"endTime":3446.0499999999997,"body":"single account that you can do a"},{"speaker":"Alan Smith","startTime":3446.0499999999997,"endTime":3451.48,"body":"sort of meet for lunch, and it's"},{"speaker":"Alan Smith","startTime":3446.0499999999997,"endTime":3451.48,"body":"just you spread too thin. Meet"},{"speaker":"Alan Smith","startTime":3451.48,"endTime":3453.16,"body":"them meet them initially, if"},{"speaker":"Alan Smith","startTime":3451.48,"endTime":3453.16,"body":"it's meant to take them onboard"},{"speaker":"Alan Smith","startTime":3453.19,"endTime":3455.98,"body":"new clients, are you currently"},{"speaker":"Alan Smith","startTime":3453.19,"endTime":3455.98,"body":"working with them and then have"},{"speaker":"Alan Smith","startTime":3455.98,"endTime":3458.47,"body":"content share with that and"},{"speaker":"Alan Smith","startTime":3455.98,"endTime":3458.47,"body":"you'll find inevitably, that"},{"speaker":"Alan Smith","startTime":3458.47,"endTime":3461.62,"body":"you're right content, ongoing"},{"speaker":"Alan Smith","startTime":3458.47,"endTime":3461.62,"body":"relationships, two or 333 would"},{"speaker":"Alan Smith","startTime":3461.62,"endTime":3462.04,"body":"be great."},{"speaker":"Andy Hart","startTime":3463.15,"endTime":3466.66,"body":"So what I'm going to"},{"speaker":"Andy Hart","startTime":3463.15,"endTime":3466.66,"body":"talk about centers of influence"},{"speaker":"Andy Hart","startTime":3466.66,"endTime":3469.7799999999997,"body":"is I was a member of BNI for"},{"speaker":"Andy Hart","startTime":3466.66,"endTime":3469.7799999999997,"body":"five years when I was a"},{"speaker":"Andy Hart","startTime":3470.3199999999997,"endTime":3474.13,"body":"polyester wearing mortgage"},{"speaker":"Andy Hart","startTime":3470.3199999999997,"endTime":3474.13,"body":"broker slightly selling spelling"},{"speaker":"Andy Hart","startTime":3474.13,"endTime":3478.2999999999997,"body":"of desperation, as Nick Lincoln"},{"speaker":"Andy Hart","startTime":3474.13,"endTime":3478.2999999999997,"body":"once famously described me. So I"},{"speaker":"Andy Hart","startTime":3478.2999999999997,"endTime":3481.06,"body":"joined BNI, nothing much has"},{"speaker":"Andy Hart","startTime":3478.2999999999997,"endTime":3481.06,"body":"changed. And it's nothing much"},{"speaker":"Andy Hart","startTime":3481.06,"endTime":3483.0699999999997,"body":"has changed. Yeah, we've got the"},{"speaker":"Andy Hart","startTime":3481.06,"endTime":3483.0699999999997,"body":"polyester suit, though, to be"},{"speaker":"Andy Hart","startTime":3483.0699999999997,"endTime":3487.33,"body":"fair, by polyester suit. Cool,"},{"speaker":"Andy Hart","startTime":3483.0699999999997,"endTime":3487.33,"body":"cool blazer now smelling of a"},{"speaker":"Andy Hart","startTime":3487.3599999999997,"endTime":3491.68,"body":"slight desperation. Yeah, so why"},{"speaker":"Andy Hart","startTime":3487.3599999999997,"endTime":3491.68,"body":"don't be in it for five years."},{"speaker":"Andy Hart","startTime":3492.19,"endTime":3494.95,"body":"And it's a it's a structured"},{"speaker":"Andy Hart","startTime":3492.19,"endTime":3494.95,"body":"network organization. So"},{"speaker":"Andy Hart","startTime":3494.95,"endTime":3497.29,"body":"sometimes I sort of sort of"},{"speaker":"Andy Hart","startTime":3494.95,"endTime":3497.29,"body":"sound like I've done no"},{"speaker":"Andy Hart","startTime":3497.29,"endTime":3499.24,"body":"networking in the past, I've"},{"speaker":"Andy Hart","startTime":3497.29,"endTime":3499.24,"body":"done all the classic stuff, and"},{"speaker":"Andy Hart","startTime":3499.24,"endTime":3501.22,"body":"then I've done all the sort of"},{"speaker":"Andy Hart","startTime":3499.24,"endTime":3501.22,"body":"modern stuff, you're gonna play"},{"speaker":"Andy Hart","startTime":3501.22,"endTime":3504.25,"body":"the fucking drop on in there."},{"speaker":"Andy Hart","startTime":3501.22,"endTime":3504.25,"body":"And then some of the money stuff"},{"speaker":"Andy Hart","startTime":3504.25,"endTime":3508.24,"body":"in terms of podcasts. So just"},{"speaker":"Andy Hart","startTime":3504.25,"endTime":3508.24,"body":"focus on BNI. So I was part of"},{"speaker":"Andy Hart","startTime":3508.24,"endTime":3511.27,"body":"member of BNI. For five years"},{"speaker":"Andy Hart","startTime":3508.24,"endTime":3511.27,"body":"long story short, it's a group"},{"speaker":"Andy Hart","startTime":3511.27,"endTime":3514.7799999999997,"body":"of business owners in a room and"},{"speaker":"Andy Hart","startTime":3511.27,"endTime":3514.7799999999997,"body":"one profession is represented"},{"speaker":"Andy Hart","startTime":3514.8399999999997,"endTime":3517.5099999999998,"body":"per one seat, there's only"},{"speaker":"Andy Hart","startTime":3514.8399999999997,"endTime":3517.5099999999998,"body":"allowed one financial advisor,"},{"speaker":"Andy Hart","startTime":3517.5099999999998,"endTime":3520.96,"body":"one accountant, one painter, one"},{"speaker":"Andy Hart","startTime":3517.5099999999998,"endTime":3520.96,"body":"decorate one plumber, etc. And"},{"speaker":"Andy Hart","startTime":3520.96,"endTime":3525.58,"body":"it does teach you, you know, the"},{"speaker":"Andy Hart","startTime":3520.96,"endTime":3525.58,"body":"rules of networking. So BNI"},{"speaker":"Andy Hart","startTime":3525.58,"endTime":3528.85,"body":"stands for business, networking,"},{"speaker":"Andy Hart","startTime":3525.58,"endTime":3528.85,"body":"international, I think there's"},{"speaker":"Andy Hart","startTime":3528.85,"endTime":3531.0699999999997,"body":"all different roles within the"},{"speaker":"Andy Hart","startTime":3528.85,"endTime":3531.0699999999997,"body":"chapter. It's a well organized"},{"speaker":"Andy Hart","startTime":3531.0699999999997,"endTime":3533.92,"body":"club, I sort of call it the sort"},{"speaker":"Andy Hart","startTime":3531.0699999999997,"endTime":3533.92,"body":"of McDonald's network, and it's"},{"speaker":"Andy Hart","startTime":3533.95,"endTime":3537.25,"body":"very well organized and sort of"},{"speaker":"Andy Hart","startTime":3533.95,"endTime":3537.25,"body":"global organization. I know a"},{"speaker":"Andy Hart","startTime":3537.25,"endTime":3540.3399999999997,"body":"lot of financial advisors,"},{"speaker":"Andy Hart","startTime":3537.25,"endTime":3540.3399999999997,"body":"currently still members, you"},{"speaker":"Andy Hart","startTime":3540.3399999999997,"endTime":3543.6099999999997,"body":"know, people, people we know,"},{"speaker":"Andy Hart","startTime":3540.3399999999997,"endTime":3543.6099999999997,"body":"well in this group. And I know"},{"speaker":"Andy Hart","startTime":3543.6099999999997,"endTime":3547.2999999999997,"body":"some younger advisors do join"},{"speaker":"Andy Hart","startTime":3543.6099999999997,"endTime":3547.2999999999997,"body":"BNI, if you are thinking about"},{"speaker":"Andy Hart","startTime":3547.2999999999997,"endTime":3550.5099999999998,"body":"are on the fence of joining BNI."},{"speaker":"Andy Hart","startTime":3547.2999999999997,"endTime":3550.5099999999998,"body":"And you know what, what BNI is,"},{"speaker":"Andy Hart","startTime":3550.5099999999998,"endTime":3553.5099999999998,"body":"and you can find a local"},{"speaker":"Andy Hart","startTime":3550.5099999999998,"endTime":3553.5099999999998,"body":"chapter, I'd say join it, it"},{"speaker":"Andy Hart","startTime":3553.5099999999998,"endTime":3556.6,"body":"really did accelerate my career."},{"speaker":"Andy Hart","startTime":3553.5099999999998,"endTime":3556.6,"body":"I'm still in contact with a lot"},{"speaker":"Andy Hart","startTime":3556.6,"endTime":3560.29,"body":"of the people that I met in"},{"speaker":"Andy Hart","startTime":3556.6,"endTime":3560.29,"body":"those early days, mortgage"},{"speaker":"Andy Hart","startTime":3560.29,"endTime":3565.24,"body":"brokers, random professions,"},{"speaker":"Andy Hart","startTime":3560.29,"endTime":3565.24,"body":"consultants, coaches, and it was"},{"speaker":"Andy Hart","startTime":3565.24,"endTime":3568.0299999999997,"body":"really good. And then obviously,"},{"speaker":"Andy Hart","startTime":3565.24,"endTime":3568.0299999999997,"body":"I had had enough clients to then"},{"speaker":"Andy Hart","startTime":3568.0299999999997,"endTime":3571.39,"body":"sort of leave it is quite a"},{"speaker":"Andy Hart","startTime":3568.0299999999997,"endTime":3571.39,"body":"relentless group, it's weekly."},{"speaker":"Andy Hart","startTime":3571.81,"endTime":3574.96,"body":"And famously, they meet very"},{"speaker":"Andy Hart","startTime":3571.81,"endTime":3574.96,"body":"early in the morning. Luckily,"},{"speaker":"Andy Hart","startTime":3574.96,"endTime":3578.14,"body":"mine was a lunch group. So we"},{"speaker":"Andy Hart","startTime":3574.96,"endTime":3578.14,"body":"met every Tuesday lunch, but"},{"speaker":"Andy Hart","startTime":3578.14,"endTime":3581.2599999999998,"body":"it's relentless weekly, it's"},{"speaker":"Andy Hart","startTime":3578.14,"endTime":3581.2599999999998,"body":"relentless, and you have to"},{"speaker":"Andy Hart","startTime":3581.2599999999998,"endTime":3585.37,"body":"provide leads and for leads and"},{"speaker":"Andy Hart","startTime":3581.2599999999998,"endTime":3585.37,"body":"referrals for all the other"},{"speaker":"Andy Hart","startTime":3585.37,"endTime":3588.64,"body":"people in the in the room. So"},{"speaker":"Andy Hart","startTime":3585.37,"endTime":3588.64,"body":"you become a lot more of a of a"},{"speaker":"Andy Hart","startTime":3588.64,"endTime":3592.21,"body":"referral for yourself. You know,"},{"speaker":"Andy Hart","startTime":3588.64,"endTime":3592.21,"body":"so you're having a pint with"},{"speaker":"Andy Hart","startTime":3592.21,"endTime":3594.85,"body":"your your brother or your friend"},{"speaker":"Andy Hart","startTime":3592.21,"endTime":3594.85,"body":"or your mum, dad, and they"},{"speaker":"Andy Hart","startTime":3594.85,"endTime":3596.8599999999997,"body":"mentioned something and"},{"speaker":"Andy Hart","startTime":3594.85,"endTime":3596.8599999999997,"body":"immediately say, What do you"},{"speaker":"Andy Hart","startTime":3596.8599999999997,"endTime":3600.19,"body":"mean, you need to get your"},{"speaker":"Andy Hart","startTime":3596.8599999999997,"endTime":3600.19,"body":"bathroom, redecorated? I know"},{"speaker":"Andy Hart","startTime":3600.19,"endTime":3602.5899999999997,"body":"Tony, was before you just sit"},{"speaker":"Andy Hart","startTime":3600.19,"endTime":3602.5899999999997,"body":"there going, yeah, get your"},{"speaker":"Andy Hart","startTime":3602.5899999999997,"endTime":3608.29,"body":"bathroom done. Whatever was was"},{"speaker":"Andy Hart","startTime":3602.5899999999997,"endTime":3608.29,"body":"you become a lot more attune to"},{"speaker":"Andy Hart","startTime":3608.29,"endTime":3611.23,"body":"opportunities out there. And"},{"speaker":"Andy Hart","startTime":3608.29,"endTime":3611.23,"body":"again, it tells you how to"},{"speaker":"Andy Hart","startTime":3611.23,"endTime":3613.72,"body":"properly refer people, there's"},{"speaker":"Andy Hart","startTime":3611.23,"endTime":3613.72,"body":"loads of good stuff are being I"},{"speaker":"Andy Hart","startTime":3613.72,"endTime":3617.65,"body":"can talk about it for for a long"},{"speaker":"Andy Hart","startTime":3613.72,"endTime":3617.65,"body":"time. Again, it's one of those"},{"speaker":"Andy Hart","startTime":3617.65,"endTime":3620.74,"body":"things, it's sort of got a bit"},{"speaker":"Andy Hart","startTime":3617.65,"endTime":3620.74,"body":"of a bad rap. Maybe if someone's"},{"speaker":"Andy Hart","startTime":3620.74,"endTime":3624.13,"body":"joined a chapter not committed"},{"speaker":"Andy Hart","startTime":3620.74,"endTime":3624.13,"body":"to it and then left and just"},{"speaker":"Andy Hart","startTime":3624.13,"endTime":3627.43,"body":"thought it's rubbish, whereas I"},{"speaker":"Andy Hart","startTime":3624.13,"endTime":3627.43,"body":"know lots of people. You got to"},{"speaker":"Andy Hart","startTime":3627.43,"endTime":3629.65,"body":"commit, yeah, lots of people can"},{"speaker":"Andy Hart","startTime":3627.43,"endTime":3629.65,"body":"get in it and they get great"},{"speaker":"Andy Hart","startTime":3629.65,"endTime":3632.17,"body":"success out of it. So do check"},{"speaker":"Andy Hart","startTime":3629.65,"endTime":3632.17,"body":"it out. Certainly, if you're a"},{"speaker":"Andy Hart","startTime":3632.17,"endTime":3635.29,"body":"mortgage broker or something"},{"speaker":"Andy Hart","startTime":3632.17,"endTime":3635.29,"body":"like that, listen to this or, or"},{"speaker":"Andy Hart","startTime":3635.29,"endTime":3638.17,"body":"whatever. So that's my BNI"},{"speaker":"Andy Hart","startTime":3635.29,"endTime":3638.17,"body":"stuff. That's a traditional"},{"speaker":"Andy Hart","startTime":3638.17,"endTime":3641.68,"body":"sense of influence. So now I've"},{"speaker":"Andy Hart","startTime":3638.17,"endTime":3641.68,"body":"got various different centers of"},{"speaker":"Andy Hart","startTime":3641.68,"endTime":3645.1,"body":"influence. I don't quite know"},{"speaker":"Andy Hart","startTime":3641.68,"endTime":3645.1,"body":"where they've come from. As I"},{"speaker":"Andy Hart","startTime":3645.1,"endTime":3647.56,"body":"say, I've got a few accountants."},{"speaker":"Andy Hart","startTime":3645.1,"endTime":3647.56,"body":"I look after his clients on my"},{"speaker":"Andy Hart","startTime":3647.56,"endTime":3653.1099999999997,"body":"own. They refer flay draft as"},{"speaker":"Andy Hart","startTime":3647.56,"endTime":3653.1099999999997,"body":"they refer to me. A lot of other"},{"speaker":"Andy Hart","startTime":3653.1099999999997,"endTime":3655.66,"body":"financial advisors refer to me"},{"speaker":"Andy Hart","startTime":3653.1099999999997,"endTime":3655.66,"body":"anyway, that's it."},{"speaker":"Alan Smith","startTime":3655.69,"endTime":3659.62,"body":"I just sing it and"},{"speaker":"Alan Smith","startTime":3655.69,"endTime":3659.62,"body":"the area"},{"speaker":"Carl Widger","startTime":3660.73,"endTime":3661.5099999999998,"body":"they just played."},{"speaker":"Unknown","startTime":3664.3599999999997,"endTime":3670.54,"body":"Darien Andy, he knows"},{"speaker":"Unknown","startTime":3664.3599999999997,"endTime":3670.54,"body":"about everything. Andy can't be"},{"speaker":"Unknown","startTime":3670.54,"endTime":3673.93,"body":"told anything. His name is"},{"speaker":"Unknown","startTime":3670.54,"endTime":3673.93,"body":"Andrew Hart."},{"speaker":"Carl Widger","startTime":3678.31,"endTime":3682.12,"body":"Can I just say on"},{"speaker":"Carl Widger","startTime":3678.31,"endTime":3682.12,"body":"day on the drops? Can we do a"},{"speaker":"Carl Widger","startTime":3682.12,"endTime":3685.18,"body":"twitter poll? Do you love them?"},{"speaker":"Carl Widger","startTime":3682.12,"endTime":3685.18,"body":"Or do you hate them? Because I"},{"speaker":"Carl Widger","startTime":3685.18,"endTime":3689.8599999999997,"body":"got a lot of feed that stay in"},{"speaker":"Carl Widger","startTime":3685.18,"endTime":3689.8599999999997,"body":"they people are not fans of the"},{"speaker":"Carl Widger","startTime":3689.8599999999997,"endTime":3690.52,"body":"drops."},{"speaker":"Andy Hart","startTime":3693.94,"endTime":3696.49,"body":"Here is positive"},{"speaker":"Andy Hart","startTime":3693.94,"endTime":3696.49,"body":"feedback from the drops. Yeah,"},{"speaker":"Carl Widger","startTime":3696.49,"endTime":3698.83,"body":"because you're in"},{"speaker":"Carl Widger","startTime":3696.49,"endTime":3698.83,"body":"the echo chamber. Anyway on the"},{"speaker":"Carl Widger","startTime":3698.83,"endTime":3700.0899999999997,"body":"radio, like"},{"speaker":"Nick Lincoln","startTime":3700.0899999999997,"endTime":3704.02,"body":"it turned the"},{"speaker":"Nick Lincoln","startTime":3700.0899999999997,"endTime":3704.02,"body":"radio centers of influence."},{"speaker":"Nick Lincoln","startTime":3704.47,"endTime":3707.89,"body":"Accountants love accountants, I"},{"speaker":"Nick Lincoln","startTime":3704.47,"endTime":3707.89,"body":"would highly recommend that"},{"speaker":"Nick Lincoln","startTime":3707.89,"endTime":3710.74,"body":"accountant so preferable to"},{"speaker":"Nick Lincoln","startTime":3707.89,"endTime":3710.74,"body":"solicitors unless you want to"},{"speaker":"Nick Lincoln","startTime":3710.74,"endTime":3713.14,"body":"get involved in estate planning"},{"speaker":"Nick Lincoln","startTime":3710.74,"endTime":3713.14,"body":"and will writing and everything"},{"speaker":"Nick Lincoln","startTime":3713.14,"endTime":3715.24,"body":"else but God knows why you want"},{"speaker":"Nick Lincoln","startTime":3713.14,"endTime":3715.24,"body":"to do that unless you've got"},{"speaker":"Nick Lincoln","startTime":3715.24,"endTime":3719.71,"body":"some sort of death wish. Yeah,"},{"speaker":"Nick Lincoln","startTime":3715.24,"endTime":3719.71,"body":"and again, my you know, my hobby"},{"speaker":"Nick Lincoln","startTime":3719.71,"endTime":3722.08,"body":"horse is limited company,"},{"speaker":"Nick Lincoln","startTime":3719.71,"endTime":3722.08,"body":"limited company, husband and"},{"speaker":"Nick Lincoln","startTime":3722.08,"endTime":3727.0,"body":"wife firms. You know, you they"},{"speaker":"Nick Lincoln","startTime":3722.08,"endTime":3727.0,"body":"are so ripe to introduce you to"},{"speaker":"Nick Lincoln","startTime":3727.0,"endTime":3728.56,"body":"the account, you're gonna have"},{"speaker":"Nick Lincoln","startTime":3727.0,"endTime":3728.56,"body":"interaction with the accounts"},{"speaker":"Nick Lincoln","startTime":3728.56,"endTime":3731.3199999999997,"body":"anyway asking for tax returns"},{"speaker":"Nick Lincoln","startTime":3728.56,"endTime":3731.3199999999997,"body":"and full profit and loss because"},{"speaker":"Nick Lincoln","startTime":3731.3199999999997,"endTime":3734.5299999999997,"body":"you can't get them online as we"},{"speaker":"Nick Lincoln","startTime":3731.3199999999997,"endTime":3734.5299999999997,"body":"discussed earlier. And bring"},{"speaker":"Nick Lincoln","startTime":3734.5299999999997,"endTime":3737.02,"body":"them into it because they"},{"speaker":"Nick Lincoln","startTime":3734.5299999999997,"endTime":3737.02,"body":"cashflow accountants are"},{"speaker":"Nick Lincoln","startTime":3737.02,"endTime":3739.2999999999997,"body":"obviously numerous. They're"},{"speaker":"Nick Lincoln","startTime":3737.02,"endTime":3739.2999999999997,"body":"number driven. They do cash flow"},{"speaker":"Nick Lincoln","startTime":3739.2999999999997,"endTime":3741.37,"body":"modeling for their limited"},{"speaker":"Nick Lincoln","startTime":3739.2999999999997,"endTime":3741.37,"body":"company clients. And we do the"},{"speaker":"Nick Lincoln","startTime":3741.4,"endTime":3743.92,"body":"we do the cash flow modeling for"},{"speaker":"Nick Lincoln","startTime":3741.4,"endTime":3743.92,"body":"the owners of the limited"},{"speaker":"Nick Lincoln","startTime":3743.92,"endTime":3746.47,"body":"company clouds is such an"},{"speaker":"Nick Lincoln","startTime":3743.92,"endTime":3746.47,"body":"overused word, but it's such a"},{"speaker":"Nick Lincoln","startTime":3746.47,"endTime":3749.83,"body":"synergy there. It's it's sort of"},{"speaker":"Nick Lincoln","startTime":3746.47,"endTime":3749.83,"body":"automatic. So I've got I've got"},{"speaker":"Nick Lincoln","startTime":3749.83,"endTime":3752.2,"body":"a fantastic accountant in"},{"speaker":"Nick Lincoln","startTime":3749.83,"endTime":3752.2,"body":"Berkhamsted Angela, she's to the"},{"speaker":"Nick Lincoln","startTime":3752.2,"endTime":3754.87,"body":"right of me politically, so you"},{"speaker":"Nick Lincoln","startTime":3752.2,"endTime":3754.87,"body":"know, very moderate, and she's a"},{"speaker":"Nick Lincoln","startTime":3754.87,"endTime":3757.39,"body":"great accountant. And she's"},{"speaker":"Nick Lincoln","startTime":3754.87,"endTime":3757.39,"body":"introduced limited company,"},{"speaker":"Nick Lincoln","startTime":3757.6,"endTime":3760.96,"body":"clients to me husbands and"},{"speaker":"Nick Lincoln","startTime":3757.6,"endTime":3760.96,"body":"wives. And Angela sits in on the"},{"speaker":"Nick Lincoln","startTime":3760.96,"endTime":3764.47,"body":"yacht in the annual planning"},{"speaker":"Nick Lincoln","startTime":3760.96,"endTime":3764.47,"body":"meetings. And it's great, it"},{"speaker":"Nick Lincoln","startTime":3764.47,"endTime":3766.99,"body":"just helps and everyone's"},{"speaker":"Nick Lincoln","startTime":3764.47,"endTime":3766.99,"body":"reputation gets reinforced"},{"speaker":"Nick Lincoln","startTime":3766.99,"endTime":3770.14,"body":"because I'm doing good work for"},{"speaker":"Nick Lincoln","startTime":3766.99,"endTime":3770.14,"body":"her clients. And she's doing"},{"speaker":"Nick Lincoln","startTime":3770.14,"endTime":3772.54,"body":"good work for her clients and we"},{"speaker":"Nick Lincoln","startTime":3770.14,"endTime":3772.54,"body":"both bouncing ideas off each"},{"speaker":"Nick Lincoln","startTime":3772.54,"endTime":3774.88,"body":"other in front of the clients in"},{"speaker":"Nick Lincoln","startTime":3772.54,"endTime":3774.88,"body":"terms of pensions and everything"},{"speaker":"Nick Lincoln","startTime":3774.88,"endTime":3777.73,"body":"else. And it worked and I think"},{"speaker":"Nick Lincoln","startTime":3774.88,"endTime":3777.73,"body":"this is just the start of this"},{"speaker":"Nick Lincoln","startTime":3777.7599999999998,"endTime":3779.7999999999997,"body":"again the Zoom revolution I"},{"speaker":"Nick Lincoln","startTime":3777.7599999999998,"endTime":3779.7999999999997,"body":"think we know we all think we've"},{"speaker":"Nick Lincoln","startTime":3779.7999999999997,"endTime":3782.1099999999997,"body":"mastered zoom and we've been"},{"speaker":"Nick Lincoln","startTime":3779.7999999999997,"endTime":3782.1099999999997,"body":"we've incorporated into our"},{"speaker":"Nick Lincoln","startTime":3782.1099999999997,"endTime":3784.06,"body":"business live and I know Carl"},{"speaker":"Nick Lincoln","startTime":3782.1099999999997,"endTime":3784.06,"body":"you're probably edging away from"},{"speaker":"Nick Lincoln","startTime":3784.06,"endTime":3788.14,"body":"this little bit but you know"},{"speaker":"Nick Lincoln","startTime":3784.06,"endTime":3788.14,"body":"having an accountant sit in on a"},{"speaker":"Nick Lincoln","startTime":3788.14,"endTime":3790.15,"body":"client annual planning meeting"},{"speaker":"Nick Lincoln","startTime":3788.14,"endTime":3790.15,"body":"once you've done the goals and"},{"speaker":"Nick Lincoln","startTime":3790.15,"endTime":3792.67,"body":"aspirations part you might then"},{"speaker":"Nick Lincoln","startTime":3790.15,"endTime":3792.67,"body":"say oh well you can't you know"},{"speaker":"Nick Lincoln","startTime":3792.67,"endTime":3794.62,"body":"used to say that you then you"},{"speaker":"Nick Lincoln","startTime":3792.67,"endTime":3794.62,"body":"bring the council into the Zoom"},{"speaker":"Nick Lincoln","startTime":3794.62,"endTime":3797.14,"body":"meeting. They haven't got to"},{"speaker":"Nick Lincoln","startTime":3794.62,"endTime":3797.14,"body":"travel anywhere they can sit in"},{"speaker":"Nick Lincoln","startTime":3797.14,"endTime":3799.33,"body":"for the 20 minutes where you're"},{"speaker":"Nick Lincoln","startTime":3797.14,"endTime":3799.33,"body":"talking about the corporation"},{"speaker":"Nick Lincoln","startTime":3800.0499999999997,"endTime":3802.81,"body":"tax planning ideas and then the"},{"speaker":"Nick Lincoln","startTime":3800.0499999999997,"endTime":3802.81,"body":"maybe the debt and surface"},{"speaker":"Nick Lincoln","startTime":3802.81,"endTime":3805.0,"body":"everything and then they can"},{"speaker":"Nick Lincoln","startTime":3802.81,"endTime":3805.0,"body":"just drop out again, you know,"},{"speaker":"Nick Lincoln","startTime":3805.0,"endTime":3807.79,"body":"haven't haven't left their"},{"speaker":"Nick Lincoln","startTime":3805.0,"endTime":3807.79,"body":"offices. So I don't see why you"},{"speaker":"Nick Lincoln","startTime":3807.79,"endTime":3810.37,"body":"wouldn't get them in. And while"},{"speaker":"Nick Lincoln","startTime":3807.79,"endTime":3810.37,"body":"you're while while they're in"},{"speaker":"Nick Lincoln","startTime":3810.37,"endTime":3812.44,"body":"the meeting, it's your chance to"},{"speaker":"Nick Lincoln","startTime":3810.37,"endTime":3812.44,"body":"impress them or to show them the"},{"speaker":"Nick Lincoln","startTime":3812.44,"endTime":3814.9,"body":"cash flow you know, reminded"},{"speaker":"Nick Lincoln","startTime":3812.44,"endTime":3814.9,"body":"because we do this every day"},{"speaker":"Nick Lincoln","startTime":3814.9,"endTime":3817.3599999999997,"body":"with our clients their clients"},{"speaker":"Nick Lincoln","startTime":3814.9,"endTime":3817.3599999999997,"body":"only say it once a year twice a"},{"speaker":"Nick Lincoln","startTime":3817.3599999999997,"endTime":3819.25,"body":"year what have you the counters"},{"speaker":"Nick Lincoln","startTime":3817.3599999999997,"endTime":3819.25,"body":"only gonna see it once a year,"},{"speaker":"Nick Lincoln","startTime":3819.25,"endTime":3821.74,"body":"twice a year. But if you bring"},{"speaker":"Nick Lincoln","startTime":3819.25,"endTime":3821.74,"body":"them in and just remind us and"},{"speaker":"Nick Lincoln","startTime":3821.74,"endTime":3824.5,"body":"what we do for people is ends"},{"speaker":"Nick Lincoln","startTime":3821.74,"endTime":3824.5,"body":"bass we're looking to help them"},{"speaker":"Nick Lincoln","startTime":3824.77,"endTime":3828.22,"body":"walk away from their business on"},{"speaker":"Nick Lincoln","startTime":3824.77,"endTime":3828.22,"body":"a valuation figure that you Mr"},{"speaker":"Nick Lincoln","startTime":3828.22,"endTime":3832.0899999999997,"body":"or Mrs. Accountant are going to"},{"speaker":"Nick Lincoln","startTime":3828.22,"endTime":3832.0899999999997,"body":"agree on. And and there's so"},{"speaker":"Nick Lincoln","startTime":3832.0899999999997,"endTime":3836.41,"body":"much overlap. And I do think"},{"speaker":"Nick Lincoln","startTime":3832.0899999999997,"endTime":3836.41,"body":"accountants are a really and you"},{"speaker":"Nick Lincoln","startTime":3836.41,"endTime":3838.27,"body":"got to kiss a lot of frogs,"},{"speaker":"Nick Lincoln","startTime":3836.41,"endTime":3838.27,"body":"right a lot of accountants won't"},{"speaker":"Nick Lincoln","startTime":3838.27,"endTime":3841.5699999999997,"body":"get it and don't care, fine,"},{"speaker":"Nick Lincoln","startTime":3838.27,"endTime":3841.5699999999997,"body":"fine, just you know, have an"},{"speaker":"Nick Lincoln","startTime":3841.5699999999997,"endTime":3843.88,"body":"abundance mentality. There'll be"},{"speaker":"Nick Lincoln","startTime":3841.5699999999997,"endTime":3843.88,"body":"if you can get three or four"},{"speaker":"Nick Lincoln","startTime":3843.88,"endTime":3847.27,"body":"accountants on your side, they"},{"speaker":"Nick Lincoln","startTime":3843.88,"endTime":3847.27,"body":"will love you and they'll refer"},{"speaker":"Nick Lincoln","startTime":3847.27,"endTime":3849.13,"body":"clients to you because it"},{"speaker":"Nick Lincoln","startTime":3847.27,"endTime":3849.13,"body":"enhances their reputation"},{"speaker":"Nick Lincoln","startTime":3849.13,"endTime":3851.89,"body":"because they know you're going"},{"speaker":"Nick Lincoln","startTime":3849.13,"endTime":3851.89,"body":"to do a good job. So that's what"},{"speaker":"Nick Lincoln","startTime":3851.89,"endTime":3854.83,"body":"that's the central difference"},{"speaker":"Nick Lincoln","startTime":3851.89,"endTime":3854.83,"body":"that I would that's what I"},{"speaker":"Nick Lincoln","startTime":3854.95,"endTime":3857.17,"body":"that's what I do work on it. And"},{"speaker":"Nick Lincoln","startTime":3854.95,"endTime":3857.17,"body":"what if I started from scratch?"},{"speaker":"Nick Lincoln","startTime":3857.17,"endTime":3859.33,"body":"I would really you know, I've"},{"speaker":"Nick Lincoln","startTime":3857.17,"endTime":3859.33,"body":"given him on the previous"},{"speaker":"Nick Lincoln","startTime":3859.33,"endTime":3864.64,"body":"episode that in quotes, ultra"},{"speaker":"Nick Lincoln","startTime":3859.33,"endTime":3864.64,"body":"Tepidarium masterclass on, on"},{"speaker":"Nick Lincoln","startTime":3864.67,"endTime":3867.4,"body":"how to how to niche down and"},{"speaker":"Nick Lincoln","startTime":3864.67,"endTime":3867.4,"body":"find a certain segments it was"},{"speaker":"Nick Lincoln","startTime":3867.4,"endTime":3868.15,"body":"about limited companies"},{"speaker":"Andy Hart","startTime":3868.18,"endTime":3870.3399999999997,"body":"that accounting in"},{"speaker":"Andy Hart","startTime":3868.18,"endTime":3870.3399999999997,"body":"Berkhamsted that you mentioned"},{"speaker":"Andy Hart","startTime":3870.46,"endTime":3872.47,"body":"sorry, that accounted in"},{"speaker":"Andy Hart","startTime":3870.46,"endTime":3872.47,"body":"bootcamp to the sheer client of"},{"speaker":"Andy Hart","startTime":3872.47,"endTime":3874.2999999999997,"body":"yours like an actual client"},{"speaker":"Andy Hart","startTime":3872.47,"endTime":3874.2999999999997,"body":"should"},{"speaker":"Nick Lincoln","startTime":3874.2999999999997,"endTime":3877.42,"body":"not no should not"},{"speaker":"Nick Lincoln","startTime":3874.2999999999997,"endTime":3877.42,"body":"do you know that"},{"speaker":"Alan Smith","startTime":3877.45,"endTime":3880.2999999999997,"body":"the interests even"},{"speaker":"Alan Smith","startTime":3877.45,"endTime":3880.2999999999997,"body":"this I think one of the themes"},{"speaker":"Alan Smith","startTime":3880.2999999999997,"endTime":3884.68,"body":"it's run throughout what we've"},{"speaker":"Alan Smith","startTime":3880.2999999999997,"endTime":3884.68,"body":"all said is having the ability"},{"speaker":"Alan Smith","startTime":3884.68,"endTime":3887.8599999999997,"body":"to demonstrate what we do"},{"speaker":"Alan Smith","startTime":3884.68,"endTime":3887.8599999999997,"body":"because it's very experiential,"},{"speaker":"Alan Smith","startTime":3887.89,"endTime":3890.2599999999998,"body":"isn't it financial planning in"},{"speaker":"Alan Smith","startTime":3887.89,"endTime":3890.2599999999998,"body":"real in real life and"},{"speaker":"Alan Smith","startTime":3890.2599999999998,"endTime":3893.41,"body":"collaboratively in a room or on"},{"speaker":"Alan Smith","startTime":3890.2599999999998,"endTime":3893.41,"body":"a zoom or whatever and showing"},{"speaker":"Alan Smith","startTime":3893.41,"endTime":3895.48,"body":"the model in the what if"},{"speaker":"Alan Smith","startTime":3893.41,"endTime":3895.48,"body":"scenarios what have you sold"},{"speaker":"Alan Smith","startTime":3895.48,"endTime":3897.1,"body":"your business what have you"},{"speaker":"Alan Smith","startTime":3895.48,"endTime":3897.1,"body":"retired we've had all these"},{"speaker":"Alan Smith","startTime":3897.1,"endTime":3899.83,"body":"different things. You can tell"},{"speaker":"Alan Smith","startTime":3897.1,"endTime":3899.83,"body":"someone all day long and they"},{"speaker":"Alan Smith","startTime":3899.83,"endTime":3902.92,"body":"kind of eyes glaze over and they"},{"speaker":"Alan Smith","startTime":3899.83,"endTime":3902.92,"body":"go yeah, whatever they're fine"},{"speaker":"Alan Smith","startTime":3902.92,"endTime":3905.56,"body":"have to be actually in the room"},{"speaker":"Alan Smith","startTime":3902.92,"endTime":3905.56,"body":"and they're asking questions and"},{"speaker":"Alan Smith","startTime":3905.56,"endTime":3908.56,"body":"everyone's involved and and you"},{"speaker":"Alan Smith","startTime":3905.56,"endTime":3908.56,"body":"and I've been there before and"},{"speaker":"Alan Smith","startTime":3908.56,"endTime":3911.56,"body":"the accountant in this case, the"},{"speaker":"Alan Smith","startTime":3908.56,"endTime":3911.56,"body":"penny drops the oh, shit"},{"speaker":"Alan Smith","startTime":3911.5899999999997,"endTime":3914.56,"body":"actually, this is really good."},{"speaker":"Alan Smith","startTime":3911.5899999999997,"endTime":3914.56,"body":"I've got a few other people I"},{"speaker":"Alan Smith","startTime":3914.56,"endTime":3916.48,"body":"should probably introduce you to"},{"speaker":"Alan Smith","startTime":3914.56,"endTime":3916.48,"body":"to talk about this because I"},{"speaker":"Alan Smith","startTime":3916.48,"endTime":3918.64,"body":"didn't really understand. So I"},{"speaker":"Alan Smith","startTime":3916.48,"endTime":3918.64,"body":"think that's one of the key"},{"speaker":"Alan Smith","startTime":3918.64,"endTime":3923.2,"body":"messages use every opportunity"},{"speaker":"Alan Smith","startTime":3918.64,"endTime":3923.2,"body":"you can to to demonstrate and as"},{"speaker":"Alan Smith","startTime":3923.2,"endTime":3925.42,"body":"as Carl has done if you say"},{"speaker":"Alan Smith","startTime":3923.2,"endTime":3925.42,"body":"we're happy to run it for"},{"speaker":"Alan Smith","startTime":3925.42,"endTime":3928.72,"body":"yourself, if you like and"},{"speaker":"Alan Smith","startTime":3925.42,"endTime":3928.72,"body":"presumably call you wouldn't"},{"speaker":"Alan Smith","startTime":3928.72,"endTime":3931.0299999999997,"body":"charge them for that you just"},{"speaker":"Alan Smith","startTime":3928.72,"endTime":3931.0299999999997,"body":"want to it's more kind of show"},{"speaker":"Alan Smith","startTime":3931.0299999999997,"endTime":3934.0,"body":"and tell and just show what it's"},{"speaker":"Alan Smith","startTime":3931.0299999999997,"endTime":3934.0,"body":"like and it's nothing is more"},{"speaker":"Alan Smith","startTime":3934.0,"endTime":3937.27,"body":"impactful than your own"},{"speaker":"Alan Smith","startTime":3934.0,"endTime":3937.27,"body":"circumstances you can do demo"},{"speaker":"Alan Smith","startTime":3937.2999999999997,"endTime":3940.9,"body":"you know, Mr exam, Mr Mrs. A or"},{"speaker":"Alan Smith","startTime":3937.2999999999997,"endTime":3940.9,"body":"B or something but actually say"},{"speaker":"Alan Smith","startTime":3941.23,"endTime":3943.27,"body":"let's give at least some at"},{"speaker":"Alan Smith","startTime":3941.23,"endTime":3943.27,"body":"least at a headline level let's"},{"speaker":"Alan Smith","startTime":3943.27,"endTime":3946.5699999999997,"body":"put some numbers in it. Let's"},{"speaker":"Alan Smith","startTime":3943.27,"endTime":3946.5699999999997,"body":"model a few things and and then"},{"speaker":"Alan Smith","startTime":3946.5699999999997,"endTime":3949.72,"body":"you get at penny drops sinks in"},{"speaker":"Alan Smith","startTime":3946.5699999999997,"endTime":3949.72,"body":"so yeah, this is this can be"},{"speaker":"Alan Smith","startTime":3949.72,"endTime":3951.46,"body":"very, very helpful to other"},{"speaker":"Alan Smith","startTime":3949.72,"endTime":3951.46,"body":"clients. I think it's the key"},{"speaker":"Alan Smith","startTime":3951.46,"endTime":3954.7599999999998,"body":"message. Try to look for the"},{"speaker":"Alan Smith","startTime":3951.46,"endTime":3954.7599999999998,"body":"opportunity to actually show"},{"speaker":"Alan Smith","startTime":3954.79,"endTime":3956.38,"body":"show what we do. Yeah."},{"speaker":"Andy Hart","startTime":3957.4,"endTime":3960.1,"body":"Agree. Just on the"},{"speaker":"Andy Hart","startTime":3957.4,"endTime":3960.1,"body":"point of the counters. Isn't it"},{"speaker":"Andy Hart","startTime":3960.1,"endTime":3964.15,"body":"a bit mind blowing how amazingly"},{"speaker":"Andy Hart","startTime":3960.1,"endTime":3964.15,"body":"attractive pensions are on this"},{"speaker":"Andy Hart","startTime":3964.15,"endTime":3968.41,"body":"still reacting with their"},{"speaker":"Andy Hart","startTime":3964.15,"endTime":3968.41,"body":"client? When you say look, you"},{"speaker":"Andy Hart","startTime":3968.41,"endTime":3970.87,"body":"paid a shedload of taxes"},{"speaker":"Andy Hart","startTime":3968.41,"endTime":3970.87,"body":"shitload of taxes, I wouldn't do"},{"speaker":"Andy Hart","startTime":3970.87,"endTime":3973.6,"body":"any of that. Like I don't know"},{"speaker":"Andy Hart","startTime":3970.87,"endTime":3973.6,"body":"the exact answer, but please go"},{"speaker":"Andy Hart","startTime":3973.6,"endTime":3977.02,"body":"and speak to a financial planner"},{"speaker":"Andy Hart","startTime":3973.6,"endTime":3977.02,"body":"that I know really well, it's"},{"speaker":"Andy Hart","startTime":3977.02,"endTime":3981.73,"body":"mind blowing that they're losing"},{"speaker":"Andy Hart","startTime":3977.02,"endTime":3981.73,"body":"their clients 10s of 1000s of"},{"speaker":"Andy Hart","startTime":3981.73,"endTime":3985.0,"body":"pounds every year, I could own"},{"speaker":"Andy Hart","startTime":3981.73,"endTime":3985.0,"body":"their fee and a good referral to"},{"speaker":"Andy Hart","startTime":3985.0,"endTime":3989.62,"body":"an advisor. It's ridiculous how"},{"speaker":"Andy Hart","startTime":3985.0,"endTime":3989.62,"body":"unproductive most accountants"},{"speaker":"Andy Hart","startTime":3989.62,"endTime":3993.37,"body":"are when the client proposes to"},{"speaker":"Andy Hart","startTime":3989.62,"endTime":3993.37,"body":"the client. Sorry, when you when"},{"speaker":"Andy Hart","startTime":3993.37,"endTime":3995.56,"body":"the client proposes to the"},{"speaker":"Andy Hart","startTime":3993.37,"endTime":3995.56,"body":"accountant, they'll say, yeah,"},{"speaker":"Andy Hart","startTime":3995.56,"endTime":3997.7799999999997,"body":"you can do that's a great idea."},{"speaker":"Andy Hart","startTime":3995.56,"endTime":3997.7799999999997,"body":"You say this, you say that and"},{"speaker":"Andy Hart","startTime":3997.7799999999997,"endTime":4000.8399999999997,"body":"you think, are you freaking mad?"},{"speaker":"Andy Hart","startTime":3997.7799999999997,"endTime":4000.8399999999997,"body":"Why have you not been on the"},{"speaker":"Andy Hart","startTime":4000.8399999999997,"endTime":4004.83,"body":"front foot with this? Fricking"},{"speaker":"Andy Hart","startTime":4000.8399999999997,"endTime":4004.83,"body":"anyway, it's better. Tricking my"},{"speaker":"Andy Hart","startTime":4004.95,"endTime":4006.93,"body":"mind back to you. Yeah,"},{"speaker":"Nick Lincoln","startTime":4006.93,"endTime":4008.5499999999997,"body":"I mean, hearken"},{"speaker":"Nick Lincoln","startTime":4006.93,"endTime":4008.5499999999997,"body":"back to the revolutionize your"},{"speaker":"Nick Lincoln","startTime":4008.5499999999997,"endTime":4012.6,"body":"referrals. The previous episode,"},{"speaker":"Nick Lincoln","startTime":4008.5499999999997,"endTime":4012.6,"body":"I have, husband and wife limited"},{"speaker":"Nick Lincoln","startTime":4012.6,"endTime":4014.64,"body":"company owners, blah, blah,"},{"speaker":"Nick Lincoln","startTime":4012.6,"endTime":4014.64,"body":"blah, referred to me by a client"},{"speaker":"Nick Lincoln","startTime":4014.67,"endTime":4018.7799999999997,"body":"recently, lovely people down to"},{"speaker":"Nick Lincoln","startTime":4014.67,"endTime":4018.7799999999997,"body":"earth. They've got a million"},{"speaker":"Nick Lincoln","startTime":4018.7799999999997,"endTime":4021.69,"body":"quid in their business give or"},{"speaker":"Nick Lincoln","startTime":4018.7799999999997,"endTime":4021.69,"body":"take, and they haven't made any"},{"speaker":"Nick Lincoln","startTime":4021.69,"endTime":4024.7799999999997,"body":"pension contributions over the"},{"speaker":"Nick Lincoln","startTime":4021.69,"endTime":4024.7799999999997,"body":"last 1015 years. And it's like,"},{"speaker":"Nick Lincoln","startTime":4025.5299999999997,"endTime":4027.9,"body":"the accountant is response"},{"speaker":"Nick Lincoln","startTime":4025.5299999999997,"endTime":4027.9,"body":"treading carefully here because"},{"speaker":"Nick Lincoln","startTime":4027.9,"endTime":4031.0499999999997,"body":"I want to make Council is"},{"speaker":"Nick Lincoln","startTime":4027.9,"endTime":4031.0499999999997,"body":"responsible for that. I want to"},{"speaker":"Nick Lincoln","startTime":4031.0499999999997,"endTime":4033.33,"body":"have a relationship where your"},{"speaker":"Nick Lincoln","startTime":4031.0499999999997,"endTime":4033.33,"body":"counsel should be taken to task"},{"speaker":"Nick Lincoln","startTime":4033.33,"endTime":4035.6099999999997,"body":"on their when it might, maybe he"},{"speaker":"Nick Lincoln","startTime":4033.33,"endTime":4035.6099999999997,"body":"brought it up."},{"speaker":"Alan Smith","startTime":4038.91,"endTime":4040.71,"body":"But who's it but"},{"speaker":"Alan Smith","startTime":4038.91,"endTime":4040.71,"body":"who's at fault, though, here?"},{"speaker":"Alan Smith","startTime":4042.3599999999997,"endTime":4046.56,"body":"Come on, sit in the fence heart."},{"speaker":"Alan Smith","startTime":4042.3599999999997,"endTime":4046.56,"body":"Oh, you're like, I've read your"},{"speaker":"Nick Lincoln","startTime":4048.66,"endTime":4050.52,"body":"accounting, didn't"},{"speaker":"Nick Lincoln","startTime":4048.66,"endTime":4050.52,"body":"introduce didn't didn't raise"},{"speaker":"Nick Lincoln","startTime":4050.52,"endTime":4052.2,"body":"it, and the clients declined it."},{"speaker":"Nick Lincoln","startTime":4050.52,"endTime":4052.2,"body":"But I gotta be very careful"},{"speaker":"Nick Lincoln","startTime":4052.2,"endTime":4054.21,"body":"bringing that into conversation,"},{"speaker":"Nick Lincoln","startTime":4052.2,"endTime":4054.21,"body":"because they might have a great"},{"speaker":"Nick Lincoln","startTime":4054.21,"endTime":4058.92,"body":"relationship with their"},{"speaker":"Nick Lincoln","startTime":4054.21,"endTime":4058.92,"body":"accountant. They've done you a"},{"speaker":"Nick Lincoln","startTime":4058.92,"endTime":4063.0,"body":"disservice. It's like, you know,"},{"speaker":"Nick Lincoln","startTime":4058.92,"endTime":4063.0,"body":"then suddenly, everything is"},{"speaker":"Nick Lincoln","startTime":4063.0,"endTime":4066.45,"body":"done. So well. It can't be done."},{"speaker":"Nick Lincoln","startTime":4063.0,"endTime":4066.45,"body":"Or perhaps"},{"speaker":"Carl Widger","startTime":4066.45,"endTime":4068.64,"body":"the accountant is I"},{"speaker":"Carl Widger","startTime":4066.45,"endTime":4068.64,"body":"don't know if you've guys got an"},{"speaker":"Carl Widger","startTime":4068.67,"endTime":4072.2999999999997,"body":"entrepreneur leave, but maybe he"},{"speaker":"Carl Widger","startTime":4068.67,"endTime":4072.2999999999997,"body":"does his or her. So Oh, yeah."},{"speaker":"Carl Widger","startTime":4072.54,"endTime":4073.5,"body":"Yeah. So"},{"speaker":"Nick Lincoln","startTime":4073.7999999999997,"endTime":4076.14,"body":"but I still have a"},{"speaker":"Nick Lincoln","startTime":4073.7999999999997,"endTime":4076.14,"body":"corporation tax savings. They"},{"speaker":"Nick Lincoln","startTime":4076.14,"endTime":4079.77,"body":"could have they could have they"},{"speaker":"Nick Lincoln","startTime":4076.14,"endTime":4079.77,"body":"could have made 80 grand a year"},{"speaker":"Nick Lincoln","startTime":4079.77,"endTime":4082.1099999999997,"body":"between them and now 120 grand a"},{"speaker":"Nick Lincoln","startTime":4079.77,"endTime":4082.1099999999997,"body":"year that would have wiped out"},{"speaker":"Nick Lincoln","startTime":4082.1099999999997,"endTime":4085.5899999999997,"body":"their profit every year and they"},{"speaker":"Nick Lincoln","startTime":4082.1099999999997,"endTime":4085.5899999999997,"body":"pay no tax, you know, and don't"},{"speaker":"Nick Lincoln","startTime":4085.5899999999997,"endTime":4085.74,"body":"get"},{"speaker":"Andy Hart","startTime":4085.74,"endTime":4087.96,"body":"save more money on"},{"speaker":"Andy Hart","startTime":4085.74,"endTime":4087.96,"body":"the on the court. Save it in the"},{"speaker":"Andy Hart","startTime":4087.96,"endTime":4091.47,"body":"ER saving Nick, you know, yes."},{"speaker":"Andy Hart","startTime":4087.96,"endTime":4091.47,"body":"Yeah. So,"},{"speaker":"Alan Smith","startTime":4092.1,"endTime":4092.88,"body":"go ahead, Nick."},{"speaker":"Nick Lincoln","startTime":4093.27,"endTime":4094.3199999999997,"body":"Do you have a"},{"speaker":"Nick Lincoln","startTime":4093.27,"endTime":4094.3199999999997,"body":"close and we don't even know"},{"speaker":"Nick Lincoln","startTime":4094.3199999999997,"endTime":4096.24,"body":"where we are. 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So last episode"},{"speaker":"Nick Lincoln","startTime":4108.6900000000005,"endTime":4109.29,"body":"was about playing so"},{"speaker":"Alan Smith","startTime":4109.29,"endTime":4113.34,"body":"that you can mute"},{"speaker":"Alan Smith","startTime":4109.29,"endTime":4113.34,"body":"for your Oh, sorry, suckling on"},{"speaker":"Alan Smith","startTime":4113.34,"endTime":4116.64,"body":"your bottle. This is gonna go"},{"speaker":"Alan Smith","startTime":4113.34,"endTime":4116.64,"body":"with"},{"speaker":"Nick Lincoln","startTime":4119.61,"endTime":4122.7,"body":"this, this episode"},{"speaker":"Nick Lincoln","startTime":4119.61,"endTime":4122.7,"body":"overlaps a lot with the previous"},{"speaker":"Nick Lincoln","startTime":4122.7,"endTime":4124.83,"body":"episode about referrals because"},{"speaker":"Nick Lincoln","startTime":4122.7,"endTime":4124.83,"body":"centers of influence will"},{"speaker":"Nick Lincoln","startTime":4124.83,"endTime":4127.62,"body":"generate referrals for you. And"},{"speaker":"Nick Lincoln","startTime":4124.83,"endTime":4127.62,"body":"I think we've just given that a"},{"speaker":"Nick Lincoln","startTime":4127.62,"endTime":4130.35,"body":"damn good thrashing on the next"},{"speaker":"Nick Lincoln","startTime":4127.62,"endTime":4130.35,"body":"episode or the next. Whether"},{"speaker":"Nick Lincoln","startTime":4130.35,"endTime":4132.63,"body":"there's a third party to come in"},{"speaker":"Nick Lincoln","startTime":4130.35,"endTime":4132.63,"body":"this series on marketing,"},{"speaker":"Nick Lincoln","startTime":4132.63,"endTime":4134.37,"body":"whether it's the next episode or"},{"speaker":"Nick Lincoln","startTime":4132.63,"endTime":4134.37,"body":"not, I don't know because"},{"speaker":"Nick Lincoln","startTime":4134.37,"endTime":4137.22,"body":"Christmas is coming up. But"},{"speaker":"Nick Lincoln","startTime":4134.37,"endTime":4137.22,"body":"there will be one more on that."},{"speaker":"Nick Lincoln","startTime":4137.22,"endTime":4140.4000000000005,"body":"I'll be happy to move on gents"},{"speaker":"Nick Lincoln","startTime":4137.22,"endTime":4140.4000000000005,"body":"to the next part of the show."},{"speaker":"Nick Lincoln","startTime":4140.7300000000005,"endTime":4145.11,"body":"Okay, very well, because at the"},{"speaker":"Nick Lincoln","startTime":4140.7300000000005,"endTime":4145.11,"body":"door is posting she's holding"},{"speaker":"Nick Lincoln","startTime":4145.11,"endTime":4150.27,"body":"the bulging sack up my drive,"},{"speaker":"Nick Lincoln","startTime":4145.11,"endTime":4150.27,"body":"and she's left the sack at the"},{"speaker":"Nick Lincoln","startTime":4151.02,"endTime":4153.66,"body":"my door so this is a chance for"},{"speaker":"Nick Lincoln","startTime":4151.02,"endTime":4153.66,"body":"you TRAPPIST to submit your"},{"speaker":"Nick Lincoln","startTime":4153.66,"endTime":4157.83,"body":"questions. The show is formed by"},{"speaker":"Nick Lincoln","startTime":4153.66,"endTime":4157.83,"body":"you as much as it's formed by us"},{"speaker":"Nick Lincoln","startTime":4157.83,"endTime":4160.59,"body":"for dobro news. And every"},{"speaker":"Nick Lincoln","startTime":4157.83,"endTime":4160.59,"body":"episode we go through one or two"},{"speaker":"Nick Lincoln","startTime":4160.59,"endTime":4164.16,"body":"TRAPPIST questions that you can"},{"speaker":"Nick Lincoln","startTime":4160.59,"endTime":4164.16,"body":"send in the pinned tweet has a"},{"speaker":"Nick Lincoln","startTime":4164.28,"endTime":4167.31,"body":"little link on it. Click on"},{"speaker":"Nick Lincoln","startTime":4164.28,"endTime":4167.31,"body":"there, submit your question your"},{"speaker":"Nick Lincoln","startTime":4167.31,"endTime":4170.64,"body":"name and your social handles and"},{"speaker":"Nick Lincoln","startTime":4167.31,"endTime":4170.64,"body":"we will get around to addressing"},{"speaker":"Nick Lincoln","startTime":4170.64,"endTime":4173.5199999999995,"body":"you these questions are from"},{"speaker":"Nick Lincoln","startTime":4170.64,"endTime":4173.5199999999995,"body":"July and August. So we're still"},{"speaker":"Nick Lincoln","startTime":4173.79,"endTime":4175.95,"body":"catching up but we will come to"},{"speaker":"Nick Lincoln","startTime":4173.79,"endTime":4175.95,"body":"you we're doing them in"},{"speaker":"Nick Lincoln","startTime":4175.95,"endTime":4178.7699999999995,"body":"sequential order that doo doo"},{"speaker":"Nick Lincoln","startTime":4175.95,"endTime":4178.7699999999995,"body":"doo bear with us on that. I"},{"speaker":"Nick Lincoln","startTime":4178.7699999999995,"endTime":4182.8499999999995,"body":"might even I might even improve"},{"speaker":"Nick Lincoln","startTime":4178.7699999999995,"endTime":4182.8499999999995,"body":"our fantastic new website www"},{"speaker":"Nick Lincoln","startTime":4182.8499999999995,"endTime":4187.26,"body":"the real advisor podcast.com and"},{"speaker":"Nick Lincoln","startTime":4182.8499999999995,"endTime":4187.26,"body":"put a link to the TRAPPIST"},{"speaker":"Nick Lincoln","startTime":4187.26,"endTime":4190.0199999999995,"body":"question form on there as well"},{"speaker":"Nick Lincoln","startTime":4187.26,"endTime":4190.0199999999995,"body":"making use of in time our"},{"speaker":"Nick Lincoln","startTime":4190.0199999999995,"endTime":4192.48,"body":"website will become the hub you"},{"speaker":"Nick Lincoln","startTime":4190.0199999999995,"endTime":4192.48,"body":"go to for everything. We'll even"},{"speaker":"Nick Lincoln","startTime":4192.48,"endTime":4195.87,"body":"upload the old podcasts on there"},{"speaker":"Nick Lincoln","startTime":4192.48,"endTime":4195.87,"body":"as well. You just saw the future"},{"speaker":"Nick Lincoln","startTime":4195.87,"endTime":4197.13,"body":"there. What we've,"},{"speaker":"Andy Hart","startTime":4197.55,"endTime":4198.48,"body":"what we've got, who's"},{"speaker":"Nick Lincoln","startTime":4198.48,"endTime":4203.01,"body":"this first one"},{"speaker":"Nick Lincoln","startTime":4198.48,"endTime":4203.01,"body":"from open up the envelope. This"},{"speaker":"Nick Lincoln","startTime":4203.01,"endTime":4210.03,"body":"is from Mark palling comes on"},{"speaker":"Nick Lincoln","startTime":4203.01,"endTime":4210.03,"body":"Twitter as mother Alfa Pappa Ma"},{"speaker":"Nick Lincoln","startTime":4210.09,"endTime":4214.44,"body":"Ma palling. I'm a keen listener"},{"speaker":"Nick Lincoln","startTime":4210.09,"endTime":4214.44,"body":"of your podcast been an IFA for"},{"speaker":"Nick Lincoln","startTime":4214.44,"endTime":4218.67,"body":"30 years and trading on my own"},{"speaker":"Nick Lincoln","startTime":4214.44,"endTime":4218.67,"body":"for 19 now need admin support to"},{"speaker":"Nick Lincoln","startTime":4218.67,"endTime":4221.19,"body":"ensure good service to clients"},{"speaker":"Nick Lincoln","startTime":4218.67,"endTime":4221.19,"body":"and make sure I'm not working"},{"speaker":"Nick Lincoln","startTime":4221.19,"endTime":4225.96,"body":"silly hours. Amen to that. I've"},{"speaker":"Nick Lincoln","startTime":4221.19,"endTime":4225.96,"body":"been contemplating employing"},{"speaker":"Nick Lincoln","startTime":4225.96,"endTime":4229.71,"body":"someone part time for the first"},{"speaker":"Nick Lincoln","startTime":4225.96,"endTime":4229.71,"body":"time versus outsourcing. What do"},{"speaker":"Nick Lincoln","startTime":4229.71,"endTime":4234.0599999999995,"body":"you guys do? And do you have any"},{"speaker":"Nick Lincoln","startTime":4229.71,"endTime":4234.0599999999995,"body":"advice on our phone service or"},{"speaker":"Nick Lincoln","startTime":4234.0599999999995,"endTime":4235.17,"body":"Mr. Hart? I think?"},{"speaker":"Andy Hart","startTime":4237.389,"endTime":4239.189,"body":"Uh, yeah, no, I would"},{"speaker":"Andy Hart","startTime":4237.389,"endTime":4239.189,"body":"recommend he definitely"},{"speaker":"Andy Hart","startTime":4239.189,"endTime":4245.339,"body":"outsources. It would be cheaper"},{"speaker":"Andy Hart","startTime":4239.189,"endTime":4245.339,"body":"and better. Yeah, that's my"},{"speaker":"Andy Hart","startTime":4245.369,"endTime":4248.8189999999995,"body":"opinion on it and it will"},{"speaker":"Andy Hart","startTime":4245.369,"endTime":4248.8189999999995,"body":"certainly give him an initial"},{"speaker":"Andy Hart","startTime":4249.419,"endTime":4252.7789999999995,"body":"see how he gets on what what"},{"speaker":"Andy Hart","startTime":4249.419,"endTime":4252.7789999999995,"body":"tasks does he need help with?"},{"speaker":"Andy Hart","startTime":4252.7789999999995,"endTime":4255.509,"body":"And obviously you can build out"},{"speaker":"Andy Hart","startTime":4252.7789999999995,"endTime":4255.509,"body":"that sort of like task list."},{"speaker":"Andy Hart","startTime":4255.899,"endTime":4260.699,"body":"There's a lot of IFA specific"},{"speaker":"Andy Hart","startTime":4255.899,"endTime":4260.699,"body":"outsourced administration help"},{"speaker":"Andy Hart","startTime":4260.699,"endTime":4265.289,"body":"that is brilliant, which I use"},{"speaker":"Andy Hart","startTime":4260.699,"endTime":4265.289,"body":"I've been using for years. So"},{"speaker":"Andy Hart","startTime":4265.289,"endTime":4267.5689999999995,"body":"yeah, I definitely recommend he"},{"speaker":"Andy Hart","startTime":4265.289,"endTime":4267.5689999999995,"body":"goes the outsource route."},{"speaker":"Alan Smith","startTime":4268.5,"endTime":4271.5599999999995,"body":"Yeah, doesn't this"},{"speaker":"Alan Smith","startTime":4268.5,"endTime":4271.5599999999995,"body":"this comes back to what sort of"},{"speaker":"Alan Smith","startTime":4271.5599999999995,"endTime":4274.2,"body":"business you want to run we've"},{"speaker":"Alan Smith","startTime":4271.5599999999995,"endTime":4274.2,"body":"done at one of our one of our"},{"speaker":"Alan Smith","startTime":4274.2,"endTime":4278.19,"body":"early episodes was solo ads."},{"speaker":"Alan Smith","startTime":4274.2,"endTime":4278.19,"body":"Heiser that YouTube versus you"},{"speaker":"Alan Smith","startTime":4278.19,"endTime":4281.8499999999995,"body":"trying to grow a company build a"},{"speaker":"Alan Smith","startTime":4278.19,"endTime":4281.8499999999995,"body":"business? Because one, once you"},{"speaker":"Alan Smith","startTime":4281.8499999999995,"endTime":4284.79,"body":"understand that, then then what?"},{"speaker":"Alan Smith","startTime":4281.8499999999995,"endTime":4284.79,"body":"Yeah, then then that works well,"},{"speaker":"Alan Smith","startTime":4284.79,"endTime":4289.14,"body":"but it's a question. I just, he"},{"speaker":"Alan Smith","startTime":4284.79,"endTime":4289.14,"body":"has no support at all right now"},{"speaker":"Alan Smith","startTime":4289.14,"endTime":4289.7699999999995,"body":"should I hire"},{"speaker":"Andy Hart","startTime":4289.7699999999995,"endTime":4292.41,"body":"so it sounds like"},{"speaker":"Andy Hart","startTime":4289.7699999999995,"endTime":4292.41,"body":"he's done everything himself as"},{"speaker":"Andy Hart","startTime":4292.41,"endTime":4293.91,"body":"a solo, we just"},{"speaker":"Alan Smith","startTime":4293.91,"endTime":4296.55,"body":"don't understand why"},{"speaker":"Alan Smith","startTime":4293.91,"endTime":4296.55,"body":"anyone would want is that back"},{"speaker":"Alan Smith","startTime":4296.55,"endTime":4300.0599999999995,"body":"to that the idea of doing you"},{"speaker":"Alan Smith","startTime":4296.55,"endTime":4300.0599999999995,"body":"know, $10 jobs $10 An hour jobs"},{"speaker":"Alan Smith","startTime":4300.0599999999995,"endTime":4303.21,"body":"versus $100 $1,000 An hour jobs?"},{"speaker":"Alan Smith","startTime":4300.0599999999995,"endTime":4303.21,"body":"Why would you I don't know what"},{"speaker":"Alan Smith","startTime":4303.21,"endTime":4306.9,"body":"you to God, you both of you, do"},{"speaker":"Alan Smith","startTime":4303.21,"endTime":4306.9,"body":"you outsource negative? No, I do"},{"speaker":"Alan Smith","startTime":4306.9,"endTime":4309.99,"body":"everything yourself all in my"},{"speaker":"Alan Smith","startTime":4306.9,"endTime":4309.99,"body":"new shy and sitting on the phone"},{"speaker":"Alan Smith","startTime":4309.99,"endTime":4310.5599999999995,"body":"to Prudential."},{"speaker":"Nick Lincoln","startTime":4313.68,"endTime":4315.54,"body":"That is a that can"},{"speaker":"Nick Lincoln","startTime":4313.68,"endTime":4315.54,"body":"be a pain when I have to"},{"speaker":"Nick Lincoln","startTime":4315.54,"endTime":4317.8499999999995,"body":"interact with the dinosaur"},{"speaker":"Nick Lincoln","startTime":4315.54,"endTime":4317.8499999999995,"body":"companies and Prudential much as"},{"speaker":"Nick Lincoln","startTime":4317.8499999999995,"endTime":4320.13,"body":"we'd like to praise companies as"},{"speaker":"Nick Lincoln","startTime":4317.8499999999995,"endTime":4320.13,"body":"well. Prudential, you know, it's"},{"speaker":"Nick Lincoln","startTime":4320.13,"endTime":4323.46,"body":"example I want you dread. It"},{"speaker":"Nick Lincoln","startTime":4320.13,"endTime":4323.46,"body":"happens so infrequently, man, it"},{"speaker":"Nick Lincoln","startTime":4323.46,"endTime":4326.49,"body":"happens. Just you know, I just"},{"speaker":"Nick Lincoln","startTime":4323.46,"endTime":4326.49,"body":"don't I don't have any clients"},{"speaker":"Nick Lincoln","startTime":4326.49,"endTime":4329.0999999999995,"body":"with insurance companies,"},{"speaker":"Nick Lincoln","startTime":4326.49,"endTime":4329.0999999999995,"body":"they're on platforms. But you"},{"speaker":"Nick Lincoln","startTime":4329.0999999999995,"endTime":4334.98,"body":"know, my process is really honed"},{"speaker":"Nick Lincoln","startTime":4329.0999999999995,"endTime":4334.98,"body":"and, and, and and it's, you"},{"speaker":"Nick Lincoln","startTime":4334.98,"endTime":4338.22,"body":"know, everybody gets the same"},{"speaker":"Nick Lincoln","startTime":4334.98,"endTime":4338.22,"body":"experience for good or bad. And"},{"speaker":"Nick Lincoln","startTime":4338.22,"endTime":4340.71,"body":"I follow it all the time. And it"},{"speaker":"Nick Lincoln","startTime":4338.22,"endTime":4340.71,"body":"minimizes the"},{"speaker":"Andy Hart","startTime":4340.74,"endTime":4343.62,"body":"You're right. And we"},{"speaker":"Andy Hart","startTime":4340.74,"endTime":4343.62,"body":"don't know, we're just"},{"speaker":"Andy Hart","startTime":4343.62,"endTime":4346.32,"body":"interpreting from the question"},{"speaker":"Andy Hart","startTime":4343.62,"endTime":4346.32,"body":"what type of businesses trying"},{"speaker":"Andy Hart","startTime":4346.32,"endTime":4348.21,"body":"to grow and where he's come from"},{"speaker":"Andy Hart","startTime":4346.32,"endTime":4348.21,"body":"is quite clear. That's come"},{"speaker":"Andy Hart","startTime":4348.21,"endTime":4351.78,"body":"from, you know, a very, very"},{"speaker":"Andy Hart","startTime":4348.21,"endTime":4351.78,"body":"small so business needs training"},{"speaker":"Andy Hart","startTime":4351.78,"endTime":4357.5999999999995,"body":"on its own for 19 years. And it"},{"speaker":"Andy Hart","startTime":4351.78,"endTime":4357.5999999999995,"body":"me in order of, in order it goes"},{"speaker":"Andy Hart","startTime":4357.5999999999995,"endTime":4360.93,"body":"it's like I first of all, I want"},{"speaker":"Andy Hart","startTime":4357.5999999999995,"endTime":4360.93,"body":"to try and find a tech solution."},{"speaker":"Andy Hart","startTime":4360.96,"endTime":4363.0599999999995,"body":"So if I can find a tech"},{"speaker":"Andy Hart","startTime":4360.96,"endTime":4363.0599999999995,"body":"solution, that's the answer. So"},{"speaker":"Andy Hart","startTime":4363.0599999999995,"endTime":4366.03,"body":"for example, I'm not going to"},{"speaker":"Andy Hart","startTime":4363.0599999999995,"endTime":4366.03,"body":"employ someone to do my diary"},{"speaker":"Andy Hart","startTime":4366.03,"endTime":4369.57,"body":"management, I'm going to employ"},{"speaker":"Andy Hart","startTime":4366.03,"endTime":4369.57,"body":"Calendly so that's a tick when"},{"speaker":"Andy Hart","startTime":4369.57,"endTime":4372.42,"body":"I'm like, is there a tech"},{"speaker":"Andy Hart","startTime":4369.57,"endTime":4372.42,"body":"solution? No, there's not I need"},{"speaker":"Andy Hart","startTime":4372.42,"endTime":4375.69,"body":"a human then I'm like outsource,"},{"speaker":"Andy Hart","startTime":4372.42,"endTime":4375.69,"body":"then if there's not a decent"},{"speaker":"Andy Hart","startTime":4375.69,"endTime":4378.84,"body":"outsource, then I'm then I'm"},{"speaker":"Andy Hart","startTime":4375.69,"endTime":4378.84,"body":"INSOURCE that's my order. So it"},{"speaker":"Andy Hart","startTime":4378.84,"endTime":4382.29,"body":"goes tech outsource then"},{"speaker":"Andy Hart","startTime":4378.84,"endTime":4382.29,"body":"employee, I've got one employee"},{"speaker":"Andy Hart","startTime":4382.29,"endTime":4385.98,"body":"in a team of 12 outsource I'm"},{"speaker":"Andy Hart","startTime":4382.29,"endTime":4385.98,"body":"happy with that. And I won't be"},{"speaker":"Andy Hart","startTime":4385.98,"endTime":4388.41,"body":"changing that that order around"},{"speaker":"Andy Hart","startTime":4385.98,"endTime":4388.41,"body":"I'll just be adding to the"},{"speaker":"Andy Hart","startTime":4388.41,"endTime":4391.11,"body":"outsource not the INSOURCE but"},{"speaker":"Andy Hart","startTime":4388.41,"endTime":4391.11,"body":"everyone's trying to build"},{"speaker":"Andy Hart","startTime":4391.11,"endTime":4392.46,"body":"different things. They've got"},{"speaker":"Andy Hart","startTime":4391.11,"endTime":4392.46,"body":"different things going on."},{"speaker":"Nick Lincoln","startTime":4393.63,"endTime":4396.09,"body":"Okay, I think I"},{"speaker":"Nick Lincoln","startTime":4393.63,"endTime":4396.09,"body":"think it's counterintuitive that"},{"speaker":"Nick Lincoln","startTime":4396.09,"endTime":4398.37,"body":"if you have a bigger firm then"},{"speaker":"Nick Lincoln","startTime":4396.09,"endTime":4398.37,"body":"you're going to need to employ"},{"speaker":"Nick Lincoln","startTime":4398.37,"endTime":4401.16,"body":"people so but for certainly for"},{"speaker":"Nick Lincoln","startTime":4398.37,"endTime":4401.16,"body":"smaller smaller one my bad"},{"speaker":"Nick Lincoln","startTime":4401.16,"endTime":4403.5599999999995,"body":"friends I would I would echo at"},{"speaker":"Nick Lincoln","startTime":4401.16,"endTime":4403.5599999999995,"body":"this point. So we okay, we've"},{"speaker":"Nick Lincoln","startTime":4403.5599999999995,"endTime":4407.25,"body":"been good affair answering"},{"speaker":"Nick Lincoln","startTime":4403.5599999999995,"endTime":4407.25,"body":"okeydoke thank you for the the"},{"speaker":"Nick Lincoln","startTime":4407.28,"endTime":4413.79,"body":"thumbs up the who is the next"},{"speaker":"Nick Lincoln","startTime":4407.28,"endTime":4413.79,"body":"one from this is from a Benjamin"},{"speaker":"Nick Lincoln","startTime":4413.79,"endTime":4419.07,"body":"Mitchell who's on Twitter or x."},{"speaker":"Nick Lincoln","startTime":4413.79,"endTime":4419.07,"body":"As at the money Scott is also on"},{"speaker":"Nick Lincoln","startTime":4419.07,"endTime":4421.23,"body":"LinkedIn. And I'll put his"},{"speaker":"Nick Lincoln","startTime":4419.07,"endTime":4421.23,"body":"details as well on the so called"},{"speaker":"Nick Lincoln","startTime":4421.23,"endTime":4424.11,"body":"shownotes. Benjamin asked Hi"},{"speaker":"Nick Lincoln","startTime":4421.23,"endTime":4424.11,"body":"guys, many thanks for sharing"},{"speaker":"Nick Lincoln","startTime":4424.11,"endTime":4426.8099999999995,"body":"your wisdom on the show as a new"},{"speaker":"Nick Lincoln","startTime":4424.11,"endTime":4426.8099999999995,"body":"startup advisory firm. There's"},{"speaker":"Nick Lincoln","startTime":4426.8099999999995,"endTime":4429.63,"body":"lots to think about but the trap"},{"speaker":"Nick Lincoln","startTime":4426.8099999999995,"endTime":4429.63,"body":"podcast really helps to focus my"},{"speaker":"Nick Lincoln","startTime":4429.63,"endTime":4433.65,"body":"attention. Good. My question is"},{"speaker":"Nick Lincoln","startTime":4429.63,"endTime":4433.65,"body":"a tad technical but always one"},{"speaker":"Nick Lincoln","startTime":4433.65,"endTime":4436.44,"body":"that gets brushed under the"},{"speaker":"Nick Lincoln","startTime":4433.65,"endTime":4436.44,"body":"carpet in our industry. You mean"},{"speaker":"Nick Lincoln","startTime":4436.44,"endTime":4439.08,"body":"profession, Ben and we'll we'll"},{"speaker":"Nick Lincoln","startTime":4436.44,"endTime":4439.08,"body":"give you one. That's your one."},{"speaker":"Nick Lincoln","startTime":4439.38,"endTime":4442.44,"body":"Everyone's favorite topic of"},{"speaker":"Nick Lincoln","startTime":4439.38,"endTime":4442.44,"body":"VAT. How have you guys"},{"speaker":"Nick Lincoln","startTime":4442.44,"endTime":4445.41,"body":"approached the charging of VAT"},{"speaker":"Nick Lincoln","startTime":4442.44,"endTime":4445.41,"body":"in your own businesses? The"},{"speaker":"Nick Lincoln","startTime":4445.41,"endTime":4447.99,"body":"argument goes that if you're"},{"speaker":"Nick Lincoln","startTime":4445.41,"endTime":4447.99,"body":"implementing business then it's"},{"speaker":"Nick Lincoln","startTime":4447.99,"endTime":4451.32,"body":"not valuable. But even if that's"},{"speaker":"Nick Lincoln","startTime":4447.99,"endTime":4451.32,"body":"a gray area thoughts and"},{"speaker":"Nick Lincoln","startTime":4451.32,"endTime":4454.17,"body":"opinions welcomed and keep up"},{"speaker":"Nick Lincoln","startTime":4451.32,"endTime":4454.17,"body":"the great podcast work. I'm"},{"speaker":"Nick Lincoln","startTime":4454.23,"endTime":4457.5599999999995,"body":"gonna go first to Mr. Smith on"},{"speaker":"Nick Lincoln","startTime":4454.23,"endTime":4457.5599999999995,"body":"this one."},{"speaker":"Alan Smith","startTime":4459.66,"endTime":4462.0599999999995,"body":"Yeah, interesting."},{"speaker":"Alan Smith","startTime":4459.66,"endTime":4462.0599999999995,"body":"It does get brought up from time"},{"speaker":"Alan Smith","startTime":4462.0599999999995,"endTime":4465.72,"body":"to time, particularly as the"},{"speaker":"Alan Smith","startTime":4462.0599999999995,"endTime":4465.72,"body":"kind of the evolution of the"},{"speaker":"Alan Smith","startTime":4465.72,"endTime":4470.01,"body":"revolution continues towards"},{"speaker":"Alan Smith","startTime":4465.72,"endTime":4470.01,"body":"financial planning is not a gray"},{"speaker":"Alan Smith","startTime":4470.01,"endTime":4473.25,"body":"area in terms of the VAT exempt"},{"speaker":"Alan Smith","startTime":4470.01,"endTime":4473.25,"body":"status of financial"},{"speaker":"Alan Smith","startTime":4473.28,"endTime":4477.3,"body":"intermediation, we get caught"},{"speaker":"Alan Smith","startTime":4473.28,"endTime":4477.3,"body":"under that which is generally"},{"speaker":"Alan Smith","startTime":4477.3,"endTime":4479.37,"body":"positive for us because you"},{"speaker":"Alan Smith","startTime":4477.3,"endTime":4479.37,"body":"don't have to register for VAT"},{"speaker":"Alan Smith","startTime":4479.37,"endTime":4481.98,"body":"etc, through financial"},{"speaker":"Alan Smith","startTime":4479.37,"endTime":4481.98,"body":"intermediation which, which"},{"speaker":"Alan Smith","startTime":4481.98,"endTime":4484.38,"body":"covers a lot of things. And I"},{"speaker":"Alan Smith","startTime":4481.98,"endTime":4484.38,"body":"understand part of that goes"},{"speaker":"Alan Smith","startTime":4484.38,"endTime":4487.53,"body":"back to kind of the the"},{"speaker":"Alan Smith","startTime":4484.38,"endTime":4487.53,"body":"financial services industry"},{"speaker":"Alan Smith","startTime":4487.53,"endTime":4489.99,"body":"generally would like the City of"},{"speaker":"Alan Smith","startTime":4487.53,"endTime":4489.99,"body":"London and the fact that you"},{"speaker":"Alan Smith","startTime":4489.99,"endTime":4492.15,"body":"know, financial intermediation"},{"speaker":"Alan Smith","startTime":4489.99,"endTime":4492.15,"body":"is big thing with portals as a"},{"speaker":"Alan Smith","startTime":4492.15,"endTime":4494.82,"body":"country that significant"},{"speaker":"Alan Smith","startTime":4492.15,"endTime":4494.82,"body":"disadvantage versus whatever"},{"speaker":"Alan Smith","startTime":4494.82,"endTime":4497.49,"body":"Frankfurt or something else if"},{"speaker":"Alan Smith","startTime":4494.82,"endTime":4497.49,"body":"we were charging VAT on"},{"speaker":"Alan Smith","startTime":4497.49,"endTime":4500.73,"body":"financial intermediation, and"},{"speaker":"Alan Smith","startTime":4497.49,"endTime":4500.73,"body":"others weren't. So I think"},{"speaker":"Alan Smith","startTime":4500.73,"endTime":4504.78,"body":"that's pretty well known where"},{"speaker":"Alan Smith","startTime":4500.73,"endTime":4504.78,"body":"it does become a gray area is"},{"speaker":"Alan Smith","startTime":4504.78,"endTime":4508.92,"body":"around the fact that if you were"},{"speaker":"Alan Smith","startTime":4504.78,"endTime":4508.92,"body":"just doing standalone financial"},{"speaker":"Alan Smith","startTime":4508.92,"endTime":4511.47,"body":"planning, building financial"},{"speaker":"Alan Smith","startTime":4508.92,"endTime":4511.47,"body":"models, venture plans, financial"},{"speaker":"Alan Smith","startTime":4511.47,"endTime":4514.95,"body":"coaching venture consulting,"},{"speaker":"Alan Smith","startTime":4511.47,"endTime":4514.95,"body":"that is a valuable process of"},{"speaker":"Alan Smith","startTime":4514.95,"endTime":4521.3099999999995,"body":"asset service. So it's important"},{"speaker":"Alan Smith","startTime":4514.95,"endTime":4521.3099999999995,"body":"to create the link the very"},{"speaker":"Alan Smith","startTime":4521.3099999999995,"endTime":4523.5,"body":"visible link between the"},{"speaker":"Alan Smith","startTime":4521.3099999999995,"endTime":4523.5,"body":"financial planning journey and"},{"speaker":"Alan Smith","startTime":4523.5,"endTime":4526.3499999999995,"body":"actually at some stage you are"},{"speaker":"Alan Smith","startTime":4523.5,"endTime":4526.3499999999995,"body":"generally going to do some sort"},{"speaker":"Alan Smith","startTime":4526.3499999999995,"endTime":4529.98,"body":"of intermediation, some sort of"},{"speaker":"Alan Smith","startTime":4526.3499999999995,"endTime":4529.98,"body":"product investment structure and"},{"speaker":"Alan Smith","startTime":4529.98,"endTime":4532.74,"body":"anything like that. And if"},{"speaker":"Alan Smith","startTime":4529.98,"endTime":4532.74,"body":"anyone's in any any doubt,"},{"speaker":"Alan Smith","startTime":4532.74,"endTime":4537.03,"body":"another friend of the podcast"},{"speaker":"Alan Smith","startTime":4532.74,"endTime":4537.03,"body":"called Jason Butler, who was an"},{"speaker":"Alan Smith","startTime":4537.03,"endTime":4539.94,"body":"advisor on a fantastic firm for"},{"speaker":"Alan Smith","startTime":4537.03,"endTime":4539.94,"body":"many years, he's now off do many"},{"speaker":"Alan Smith","startTime":4539.94,"endTime":4543.69,"body":"other things. But good old Jason"},{"speaker":"Alan Smith","startTime":4539.94,"endTime":4543.69,"body":"in his inimitable style, and"},{"speaker":"Alan Smith","startTime":4543.69,"endTime":4547.26,"body":"anyone who knows Jason will"},{"speaker":"Alan Smith","startTime":4543.69,"endTime":4547.26,"body":"recognize easy is a good guy,"},{"speaker":"Alan Smith","startTime":4547.26,"endTime":4550.23,"body":"but he's pretty direct. But he"},{"speaker":"Alan Smith","startTime":4547.26,"endTime":4550.23,"body":"took on and took I believe he"},{"speaker":"Alan Smith","startTime":4550.23,"endTime":4553.32,"body":"took them to the High Court at"},{"speaker":"Alan Smith","startTime":4550.23,"endTime":4553.32,"body":"HMRC. Because he was they were"},{"speaker":"Alan Smith","startTime":4553.32,"endTime":4556.74,"body":"being told they had to charge"},{"speaker":"Alan Smith","startTime":4553.32,"endTime":4556.74,"body":"VAT for the work they did. He"},{"speaker":"Alan Smith","startTime":4556.74,"endTime":4559.29,"body":"didn't believe so actually that"},{"speaker":"Alan Smith","startTime":4556.74,"endTime":4559.29,"body":"there's a you can Google it."},{"speaker":"Alan Smith","startTime":4560.04,"endTime":4563.37,"body":"Company was Bloomsbury wealth,"},{"speaker":"Alan Smith","startTime":4560.04,"endTime":4563.37,"body":"or Bruce Lee financial planning,"},{"speaker":"Alan Smith","startTime":4563.8499999999995,"endTime":4567.33,"body":"Jason Butler, and he won the"},{"speaker":"Alan Smith","startTime":4563.8499999999995,"endTime":4567.33,"body":"case. You want the case doing"},{"speaker":"Alan Smith","startTime":4567.33,"endTime":4569.55,"body":"what largely I think that's when"},{"speaker":"Alan Smith","startTime":4567.33,"endTime":4569.55,"body":"you've got these legal"},{"speaker":"Alan Smith","startTime":4569.55,"endTime":4572.8499999999995,"body":"precedents that exist unless"},{"speaker":"Alan Smith","startTime":4569.55,"endTime":4572.8499999999995,"body":"unless some new case comes up."},{"speaker":"Alan Smith","startTime":4573.12,"endTime":4575.88,"body":"You can always cite them and say"},{"speaker":"Alan Smith","startTime":4573.12,"endTime":4575.88,"body":"we're doing pretty much the same"},{"speaker":"Alan Smith","startTime":4575.91,"endTime":4578.28,"body":"as What this company was where"},{"speaker":"Alan Smith","startTime":4575.91,"endTime":4578.28,"body":"there was a high court ruling"},{"speaker":"Alan Smith","startTime":4578.43,"endTime":4582.5999999999995,"body":"that said this sub this process"},{"speaker":"Alan Smith","startTime":4578.43,"endTime":4582.5999999999995,"body":"is not valuable. But I think"},{"speaker":"Alan Smith","startTime":4582.5999999999995,"endTime":4585.15,"body":"just that just document it just"},{"speaker":"Alan Smith","startTime":4582.5999999999995,"endTime":4585.15,"body":"be clear, as long if you're"},{"speaker":"Alan Smith","startTime":4585.15,"endTime":4588.03,"body":"doing the end to end thing,"},{"speaker":"Alan Smith","startTime":4585.15,"endTime":4588.03,"body":"which does result in some sort"},{"speaker":"Alan Smith","startTime":4588.03,"endTime":4590.0999999999995,"body":"of investment structure, some"},{"speaker":"Alan Smith","startTime":4588.03,"endTime":4590.0999999999995,"body":"sort of retail investment"},{"speaker":"Alan Smith","startTime":4590.0999999999995,"endTime":4592.71,"body":"product. I think you're pretty"},{"speaker":"Alan Smith","startTime":4590.0999999999995,"endTime":4592.71,"body":"safe right now. What are your"},{"speaker":"Alan Smith","startTime":4592.71,"endTime":4593.3099999999995,"body":"thoughts? Sandy?"},{"speaker":"Andy Hart","startTime":4594.36,"endTime":4596.43,"body":"Does Jamie listen to"},{"speaker":"Andy Hart","startTime":4594.36,"endTime":4596.43,"body":"the show? Do you know that?"},{"speaker":"Alan Smith","startTime":4596.55,"endTime":4597.57,"body":"No chance?"},{"speaker":"Andy Hart","startTime":4600.69,"endTime":4604.5,"body":"My quick answer that"},{"speaker":"Andy Hart","startTime":4600.69,"endTime":4604.5,"body":"was is get out of your own way."},{"speaker":"Andy Hart","startTime":4604.53,"endTime":4609.0,"body":"Go and find some more clients"},{"speaker":"Andy Hart","startTime":4604.53,"endTime":4609.0,"body":"pay it no mind move on next."},{"speaker":"Nick Lincoln","startTime":4611.34,"endTime":4614.34,"body":"Great cars, do you"},{"speaker":"Nick Lincoln","startTime":4611.34,"endTime":4614.34,"body":"want to contribute insightful as"},{"speaker":"Nick Lincoln","startTime":4614.34,"endTime":4618.03,"body":"ever? I don't know what the bad"},{"speaker":"Nick Lincoln","startTime":4614.34,"endTime":4618.03,"body":"situation is in in Ireland? Have"},{"speaker":"Carl Widger","startTime":4618.03,"endTime":4624.57,"body":"you got something"},{"speaker":"Carl Widger","startTime":4618.03,"endTime":4624.57,"body":"that makes two of us? No, we"},{"speaker":"Carl Widger","startTime":4624.57,"endTime":4630.42,"body":"don't, we don't have to judge us"},{"speaker":"Carl Widger","startTime":4624.57,"endTime":4630.42,"body":"on fee income from providers or"},{"speaker":"Carl Widger","startTime":4630.42,"endTime":4635.13,"body":"platforms. Which is actually I"},{"speaker":"Carl Widger","startTime":4630.42,"endTime":4635.13,"body":"hope, I assume everybody in"},{"speaker":"Carl Widger","startTime":4635.13,"endTime":4638.16,"body":"Ireland knows this. Like if you"},{"speaker":"Carl Widger","startTime":4635.13,"endTime":4638.16,"body":"are doing business on a"},{"speaker":"Carl Widger","startTime":4638.16,"endTime":4642.48,"body":"platform. And the platform"},{"speaker":"Carl Widger","startTime":4638.16,"endTime":4642.48,"body":"provider actually has a private"},{"speaker":"Carl Widger","startTime":4642.48,"endTime":4645.0599999999995,"body":"client division and they're"},{"speaker":"Carl Widger","startTime":4642.48,"endTime":4645.0599999999995,"body":"pitching for the same business,"},{"speaker":"Carl Widger","startTime":4645.09,"endTime":4649.41,"body":"they do have to charge VAT, and"},{"speaker":"Carl Widger","startTime":4645.09,"endTime":4649.41,"body":"we don't so there's a 23% saving"},{"speaker":"Carl Widger","startTime":4649.41,"endTime":4652.83,"body":"for your client, if they did"},{"speaker":"Carl Widger","startTime":4649.41,"endTime":4652.83,"body":"exactly the same thing with you"},{"speaker":"Carl Widger","startTime":4653.19,"endTime":4659.01,"body":"as as an intermediary, as"},{"speaker":"Carl Widger","startTime":4653.19,"endTime":4659.01,"body":"opposed to the big private world"},{"speaker":"Carl Widger","startTime":4659.01,"endTime":4662.76,"body":"houses, shall we say? And then"},{"speaker":"Carl Widger","startTime":4659.01,"endTime":4662.76,"body":"we do have a thing where we if"},{"speaker":"Carl Widger","startTime":4662.76,"endTime":4665.19,"body":"you go over a certain amount for"},{"speaker":"Carl Widger","startTime":4662.76,"endTime":4665.19,"body":"fee income, you have to start"},{"speaker":"Carl Widger","startTime":4665.19,"endTime":4668.04,"body":"charging and all that, but"},{"speaker":"Carl Widger","startTime":4665.19,"endTime":4668.04,"body":"genuinely I don't really know"},{"speaker":"Carl Widger","startTime":4668.04,"endTime":4672.66,"body":"how that works. Patty O'Halloran"},{"speaker":"Carl Widger","startTime":4668.04,"endTime":4672.66,"body":"is our CFO and he's all over"},{"speaker":"Carl Widger","startTime":4672.66,"endTime":4675.57,"body":"that so don't ask me any"},{"speaker":"Carl Widger","startTime":4672.66,"endTime":4675.57,"body":"questions about that"},{"speaker":"Unknown","startTime":4675.5999999999995,"endTime":4676.17,"body":"please"},{"speaker":"Andy Hart","startTime":4676.2,"endTime":4678.3,"body":"um thank you great"},{"speaker":"Andy Hart","startTime":4676.2,"endTime":4678.3,"body":"stuff."},{"speaker":"Alan Smith","startTime":4678.93,"endTime":4680.97,"body":"Wouldn't it wouldn't"},{"speaker":"Alan Smith","startTime":4678.93,"endTime":4680.97,"body":"be terrible if we had to charge"},{"speaker":"Alan Smith","startTime":4680.97,"endTime":4684.48,"body":"back we effectively become"},{"speaker":"Alan Smith","startTime":4680.97,"endTime":4684.48,"body":"unpaid tax collectors and part"},{"speaker":"Alan Smith","startTime":4684.48,"endTime":4686.82,"body":"of HMRC and what"},{"speaker":"Andy Hart","startTime":4686.82,"endTime":4690.24,"body":"is it will be really"},{"speaker":"Andy Hart","startTime":4686.82,"endTime":4690.24,"body":"bad I run to variable businesses"},{"speaker":"Andy Hart","startTime":4690.24,"endTime":4693.54,"body":"that are small my VAT returns"},{"speaker":"Andy Hart","startTime":4690.24,"endTime":4693.54,"body":"are 127 pages every every"},{"speaker":"Andy Hart","startTime":4693.54,"endTime":4696.21,"body":"quarter but they've been"},{"speaker":"Andy Hart","startTime":4693.54,"endTime":4696.21,"body":"returned Alan, Alan your VAT"},{"speaker":"Andy Hart","startTime":4696.21,"endTime":4698.76,"body":"return for cam I'm not joking"},{"speaker":"Andy Hart","startTime":4696.21,"endTime":4698.76,"body":"about three and a half 1000"},{"speaker":"Andy Hart","startTime":4698.76,"endTime":4702.57,"body":"pages every quarter I know he's"},{"speaker":"Andy Hart","startTime":4698.76,"endTime":4702.57,"body":"all done by technologies to me"},{"speaker":"Andy Hart","startTime":4702.57,"endTime":4707.13,"body":"see I use technology but Jesus"},{"speaker":"Andy Hart","startTime":4702.57,"endTime":4707.13,"body":"Christ may is overwhelming so if"},{"speaker":"Alan Smith","startTime":4707.82,"endTime":4710.4,"body":"god yeah all right,"},{"speaker":"Alan Smith","startTime":4707.82,"endTime":4710.4,"body":"but it all depends what what is"},{"speaker":"Alan Smith","startTime":4710.4,"endTime":4713.43,"body":"the frustration to me is a lot"},{"speaker":"Alan Smith","startTime":4710.4,"endTime":4713.43,"body":"of our big expenses which are"},{"speaker":"Alan Smith","startTime":4713.43,"endTime":4717.03,"body":"plus VAT we can't clean them"},{"speaker":"Alan Smith","startTime":4713.43,"endTime":4717.03,"body":"back so are not adding office"},{"speaker":"Alan Smith","startTime":4717.03,"endTime":4720.57,"body":"raise more out you'll be paying"},{"speaker":"Alan Smith","startTime":4717.03,"endTime":4720.57,"body":"way more out than you're taking"},{"speaker":"Alan Smith","startTime":4720.57,"endTime":4723.78,"body":"in you'll get a tiny offset you"},{"speaker":"Alan Smith","startTime":4720.57,"endTime":4723.78,"body":"get a tiny offset now you don't"},{"speaker":"Alan Smith","startTime":4723.78,"endTime":4725.16,"body":"want to be you don't be paying"},{"speaker":"Alan Smith","startTime":4723.78,"endTime":4725.16,"body":"but"},{"speaker":"Carl Widger","startTime":4725.82,"endTime":4726.63,"body":"are you sure?"},{"speaker":"Nick Lincoln","startTime":4729.09,"endTime":4730.92,"body":"I'm not sure are"},{"speaker":"Nick Lincoln","startTime":4729.09,"endTime":4730.92,"body":"you in favor of that or not?"},{"speaker":"Andy Hart","startTime":4733.0199999999995,"endTime":4735.42,"body":"I'm very pleased that"},{"speaker":"Andy Hart","startTime":4733.0199999999995,"endTime":4735.42,"body":"regulated I'm very pleased at"},{"speaker":"Andy Hart","startTime":4735.42,"endTime":4737.97,"body":"regulated businesses that do"},{"speaker":"Andy Hart","startTime":4735.42,"endTime":4737.97,"body":"intermediation that look after"},{"speaker":"Andy Hart","startTime":4737.97,"endTime":4742.83,"body":"the money VAT exempt or whatever"},{"speaker":"Andy Hart","startTime":4737.97,"endTime":4742.83,"body":"the status is, you know, the"},{"speaker":"Andy Hart","startTime":4742.83,"endTime":4745.53,"body":"person who's asked the question"},{"speaker":"Andy Hart","startTime":4742.83,"endTime":4745.53,"body":"is a new startup firm that I'm"},{"speaker":"Andy Hart","startTime":4745.53,"endTime":4747.99,"body":"pretty sure they're gonna be"},{"speaker":"Andy Hart","startTime":4745.53,"endTime":4747.99,"body":"hired vanilla firm just get on"},{"speaker":"Andy Hart","startTime":4747.99,"endTime":4750.9,"body":"with it. Don't worry about the"},{"speaker":"Andy Hart","startTime":4747.99,"endTime":4750.9,"body":"VAT. Like none of us ELLs are"},{"speaker":"Andy Hart","startTime":4750.93,"endTime":4751.32,"body":"right"},{"speaker":"Nick Lincoln","startTime":4751.3499999999995,"endTime":4754.3499999999995,"body":"rather just have a"},{"speaker":"Nick Lincoln","startTime":4751.3499999999995,"endTime":4754.3499999999995,"body":"VAT and then be able to offset"},{"speaker":"Nick Lincoln","startTime":4754.38,"endTime":4756.57,"body":"against the basket items you"},{"speaker":"Nick Lincoln","startTime":4754.38,"endTime":4756.57,"body":"buy. How about getting rid of"},{"speaker":"Nick Lincoln","startTime":4756.57,"endTime":4760.14,"body":"that? Okay, same end, right."},{"speaker":"Nick Lincoln","startTime":4756.57,"endTime":4760.14,"body":"Same goal, same done won't"},{"speaker":"Nick Lincoln","startTime":4760.14,"endTime":4761.76,"body":"happen with political actors in"},{"speaker":"Andy Hart","startTime":4762.93,"endTime":4765.0,"body":"a huge intake, you"},{"speaker":"Andy Hart","startTime":4762.93,"endTime":4765.0,"body":"know, yeah, anyway."},{"speaker":"Nick Lincoln","startTime":4766.2,"endTime":4767.97,"body":"Right, we've"},{"speaker":"Nick Lincoln","startTime":4766.2,"endTime":4767.97,"body":"answered two trackers question."},{"speaker":"Nick Lincoln","startTime":4767.97,"endTime":4770.43,"body":"So if you want to leave a"},{"speaker":"Nick Lincoln","startTime":4767.97,"endTime":4770.43,"body":"Trappist question dear TRAPPIST,"},{"speaker":"Nick Lincoln","startTime":4770.43,"endTime":4772.62,"body":"do click on the link in the"},{"speaker":"Nick Lincoln","startTime":4770.43,"endTime":4772.62,"body":"pinned tweet. And at some stage"},{"speaker":"Nick Lincoln","startTime":4772.62,"endTime":4775.32,"body":"do look at our website, which I"},{"speaker":"Nick Lincoln","startTime":4772.62,"endTime":4775.32,"body":"might have mentioned www when"},{"speaker":"Nick Lincoln","startTime":4775.32,"endTime":4778.3499999999995,"body":"advice, the real advice"},{"speaker":"Nick Lincoln","startTime":4775.32,"endTime":4778.3499999999995,"body":"podcast.com. Okay, I think we're"},{"speaker":"Nick Lincoln","startTime":4778.3499999999995,"endTime":4780.72,"body":"cracked we're well over the hour"},{"speaker":"Nick Lincoln","startTime":4778.3499999999995,"endTime":4780.72,"body":"mark. So it's time to crack on"},{"speaker":"Nick Lincoln","startTime":4781.41,"endTime":4783.84,"body":"with culture corner."},{"speaker":"Nick Lincoln","startTime":4790.11,"endTime":4792.75,"body":"I thought the media board has"},{"speaker":"Nick Lincoln","startTime":4790.11,"endTime":4792.75,"body":"gotten to me as"},{"speaker":"Andy Hart","startTime":4792.75,"endTime":4794.76,"body":"we get to the end."},{"speaker":"Andy Hart","startTime":4792.75,"endTime":4794.76,"body":"We're going to talk about the"},{"speaker":"Andy Hart","startTime":4794.76,"endTime":4795.42,"body":"media board."},{"speaker":"Nick Lincoln","startTime":4796.53,"endTime":4799.29,"body":"No, let's not talk"},{"speaker":"Nick Lincoln","startTime":4796.53,"endTime":4799.29,"body":"about media. Charlie Munger. We"},{"speaker":"Nick Lincoln","startTime":4799.29,"endTime":4802.92,"body":"mentioned his passing at the age"},{"speaker":"Nick Lincoln","startTime":4799.29,"endTime":4802.92,"body":"of 99. Interestingly, there's a"},{"speaker":"Nick Lincoln","startTime":4802.92,"endTime":4807.66,"body":"podcast called invested like the"},{"speaker":"Nick Lincoln","startTime":4802.92,"endTime":4807.66,"body":"best and they had a recording"},{"speaker":"Nick Lincoln","startTime":4807.66,"endTime":4811.08,"body":"with Charlie in the can that was"},{"speaker":"Nick Lincoln","startTime":4807.66,"endTime":4811.08,"body":"due to come out about now"},{"speaker":"Nick Lincoln","startTime":4811.08,"endTime":4814.68,"body":"anyway, because his his his book"},{"speaker":"Nick Lincoln","startTime":4811.08,"endTime":4814.68,"body":"of the Charlie Munger almanac"},{"speaker":"Nick Lincoln","startTime":4814.68,"endTime":4816.72,"body":"book has been reprinted again"},{"speaker":"Nick Lincoln","startTime":4814.68,"endTime":4816.72,"body":"and then they thought they put"},{"speaker":"Nick Lincoln","startTime":4816.72,"endTime":4820.26,"body":"this intratumor out. And it's"},{"speaker":"Nick Lincoln","startTime":4816.72,"endTime":4820.26,"body":"and with the with the with the"},{"speaker":"Nick Lincoln","startTime":4820.62,"endTime":4822.99,"body":"with the acceptance of his"},{"speaker":"Nick Lincoln","startTime":4820.62,"endTime":4822.99,"body":"family who said that Charlie"},{"speaker":"Nick Lincoln","startTime":4822.99,"endTime":4825.0599999999995,"body":"would want this interview to go"},{"speaker":"Nick Lincoln","startTime":4822.99,"endTime":4825.0599999999995,"body":"out there. They put it out. So"},{"speaker":"Nick Lincoln","startTime":4825.0599999999995,"endTime":4828.18,"body":"you can hear Charlie Munger"},{"speaker":"Nick Lincoln","startTime":4825.0599999999995,"endTime":4828.18,"body":"speak from the grave as it were"},{"speaker":"Nick Lincoln","startTime":4828.51,"endTime":4831.75,"body":"99 year old man still incredibly"},{"speaker":"Nick Lincoln","startTime":4828.51,"endTime":4831.75,"body":"sharp and pithy and funny, and"},{"speaker":"Nick Lincoln","startTime":4831.75,"endTime":4835.08,"body":"so forth. And I can't believe"},{"speaker":"Nick Lincoln","startTime":4831.75,"endTime":4835.08,"body":"there are many other recorded"},{"speaker":"Nick Lincoln","startTime":4835.08,"endTime":4838.05,"body":"episodes of Charlie Munger that"},{"speaker":"Nick Lincoln","startTime":4835.08,"endTime":4838.05,"body":"are waiting to be published and"},{"speaker":"Nick Lincoln","startTime":4838.05,"endTime":4841.98,"body":"this might be the last thing"},{"speaker":"Nick Lincoln","startTime":4838.05,"endTime":4841.98,"body":"that he ever did. So well worth"},{"speaker":"Nick Lincoln","startTime":4841.98,"endTime":4844.05,"body":"listening to. I'm just getting"},{"speaker":"Nick Lincoln","startTime":4841.98,"endTime":4844.05,"body":"through it now. It's just it's"},{"speaker":"Nick Lincoln","startTime":4844.05,"endTime":4846.93,"body":"about an hour or so. It's just"},{"speaker":"Nick Lincoln","startTime":4844.05,"endTime":4846.93,"body":"very it's just Charlie Munger."},{"speaker":"Nick Lincoln","startTime":4847.41,"endTime":4850.26,"body":"You wouldn't know he was not you"},{"speaker":"Nick Lincoln","startTime":4847.41,"endTime":4850.26,"body":"know, he you have no idea is 99"},{"speaker":"Nick Lincoln","startTime":4850.26,"endTime":4852.54,"body":"There's a link to that the so"},{"speaker":"Nick Lincoln","startTime":4850.26,"endTime":4852.54,"body":"called shownotes Mr. Smith"},{"speaker":"Alan Smith","startTime":4852.78,"endTime":4855.42,"body":"is not going to"},{"speaker":"Alan Smith","startTime":4852.78,"endTime":4855.42,"body":"invest like the best. That's the"},{"speaker":"Alan Smith","startTime":4855.45,"endTime":4859.14,"body":"Shaughnessy really good. So"},{"speaker":"Alan Smith","startTime":4855.45,"endTime":4859.14,"body":"there's been some cracking ones"},{"speaker":"Alan Smith","startTime":4859.14,"endTime":4862.59,"body":"with him in the past. Yes, I'll"},{"speaker":"Alan Smith","startTime":4859.14,"endTime":4862.59,"body":"check that out, Nick. Yeah, a"},{"speaker":"Alan Smith","startTime":4862.59,"endTime":4866.0999999999995,"body":"couple of things I've just been"},{"speaker":"Alan Smith","startTime":4862.59,"endTime":4866.0999999999995,"body":"watching consuming on telly"},{"speaker":"Alan Smith","startTime":4866.16,"endTime":4870.96,"body":"recent times vanishing Act,"},{"speaker":"Alan Smith","startTime":4866.16,"endTime":4870.96,"body":"which is on ITV or ITV x. So"},{"speaker":"Alan Smith","startTime":4870.96,"endTime":4873.84,"body":"it's available you can download"},{"speaker":"Alan Smith","startTime":4870.96,"endTime":4873.84,"body":"you watch it, etc. This is the"},{"speaker":"Alan Smith","startTime":4873.84,"endTime":4877.53,"body":"story this is the dramatization"},{"speaker":"Alan Smith","startTime":4873.84,"endTime":4877.53,"body":"of On the call mentioned a few"},{"speaker":"Alan Smith","startTime":4877.5599999999995,"endTime":4881.7,"body":"quite a few episodes ago, this"},{"speaker":"Alan Smith","startTime":4877.5599999999995,"endTime":4881.7,"body":"Australian Melissa Caddick, this"},{"speaker":"Alan Smith","startTime":4881.7,"endTime":4885.57,"body":"firm, is bizarre. What what's"},{"speaker":"Alan Smith","startTime":4881.7,"endTime":4885.57,"body":"what's quite interesting for"},{"speaker":"Alan Smith","startTime":4885.57,"endTime":4889.17,"body":"people like us is we've seen all"},{"speaker":"Alan Smith","startTime":4885.57,"endTime":4889.17,"body":"this stuff about Bernie Madoff"},{"speaker":"Alan Smith","startTime":4889.17,"endTime":4891.0599999999995,"body":"and the rest of it, and it's"},{"speaker":"Alan Smith","startTime":4889.17,"endTime":4891.0599999999995,"body":"kind of although we're generally"},{"speaker":"Alan Smith","startTime":4891.0599999999995,"endTime":4893.76,"body":"in that industry, sort of, but"},{"speaker":"Alan Smith","startTime":4891.0599999999995,"endTime":4893.76,"body":"we're not really in it seems"},{"speaker":"Alan Smith","startTime":4893.76,"endTime":4896.7,"body":"sort of world as he was. This"},{"speaker":"Alan Smith","startTime":4893.76,"endTime":4896.7,"body":"was effectively an IFA and"},{"speaker":"Alan Smith","startTime":4896.7,"endTime":4898.95,"body":"Australian financial advisor,"},{"speaker":"Alan Smith","startTime":4896.7,"endTime":4898.95,"body":"although completely"},{"speaker":"Alan Smith","startTime":4898.95,"endTime":4902.01,"body":"unregistered, you know, she"},{"speaker":"Alan Smith","startTime":4898.95,"endTime":4902.01,"body":"borrowed someone else's"},{"speaker":"Alan Smith","startTime":4902.16,"endTime":4906.99,"body":"registration numbers just set up"},{"speaker":"Alan Smith","startTime":4902.16,"endTime":4906.99,"body":"and created this entire aura or"},{"speaker":"Alan Smith","startTime":4906.99,"endTime":4909.75,"body":"for self and you know, driving"},{"speaker":"Alan Smith","startTime":4906.99,"endTime":4909.75,"body":"fast cars, you know, wearing"},{"speaker":"Alan Smith","startTime":4909.75,"endTime":4911.55,"body":"expensive clothes, going through"},{"speaker":"Alan Smith","startTime":4909.75,"endTime":4911.55,"body":"all the right parties and"},{"speaker":"Alan Smith","startTime":4911.55,"endTime":4915.0599999999995,"body":"things. Just a fascinating"},{"speaker":"Alan Smith","startTime":4911.55,"endTime":4915.0599999999995,"body":"story. How she managed to"},{"speaker":"Alan Smith","startTime":4915.0599999999995,"endTime":4917.91,"body":"hoodwink people, the sums of"},{"speaker":"Alan Smith","startTime":4915.0599999999995,"endTime":4917.91,"body":"money actually weren't huge,"},{"speaker":"Alan Smith","startTime":4917.91,"endTime":4920.04,"body":"about 40 million, I think, I"},{"speaker":"Alan Smith","startTime":4917.91,"endTime":4920.04,"body":"think Aussie dollars, which"},{"speaker":"Alan Smith","startTime":4920.04,"endTime":4922.92,"body":"isn't compared to the meat off,"},{"speaker":"Alan Smith","startTime":4920.04,"endTime":4922.92,"body":"everything else is relatively"},{"speaker":"Alan Smith","startTime":4922.92,"endTime":4926.94,"body":"small. What was it's actually"},{"speaker":"Alan Smith","startTime":4922.92,"endTime":4926.94,"body":"very poignant in it because she"},{"speaker":"Alan Smith","startTime":4926.94,"endTime":4930.2699999999995,"body":"basically ripped off of her"},{"speaker":"Alan Smith","startTime":4926.94,"endTime":4930.2699999999995,"body":"parents, sister, family,"},{"speaker":"Alan Smith","startTime":4930.51,"endTime":4935.4,"body":"everyone, it was just awful. And"},{"speaker":"Alan Smith","startTime":4930.51,"endTime":4935.4,"body":"we don't read no one ever really"},{"speaker":"Alan Smith","startTime":4935.4,"endTime":4937.38,"body":"knows what ever happened to her."},{"speaker":"Alan Smith","startTime":4935.4,"endTime":4937.38,"body":"She's completely disappeared off"},{"speaker":"Alan Smith","startTime":4937.38,"endTime":4940.14,"body":"the face of the earth, but her"},{"speaker":"Alan Smith","startTime":4937.38,"endTime":4940.14,"body":"foot was found of all things"},{"speaker":"Alan Smith","startTime":4940.14,"endTime":4942.63,"body":"with washed up on shore, but"},{"speaker":"Alan Smith","startTime":4940.14,"endTime":4942.63,"body":"there's a few different there's"},{"speaker":"Alan Smith","startTime":4942.63,"endTime":4946.38,"body":"a few different kinds of she's"},{"speaker":"Alan Smith","startTime":4942.63,"endTime":4946.38,"body":"dead. She's guesses, as I think"},{"speaker":"Alan Smith","startTime":4946.38,"endTime":4948.33,"body":"she may have messed with the"},{"speaker":"Alan Smith","startTime":4946.38,"endTime":4948.33,"body":"wrong people as well and maybe"},{"speaker":"Alan Smith","startTime":4948.33,"endTime":4951.0,"body":"stole some money off a few shady"},{"speaker":"Alan Smith","startTime":4948.33,"endTime":4951.0,"body":"characters, which is kind of"},{"speaker":"Alan Smith","startTime":4951.0,"endTime":4953.79,"body":"insinuate anyway, it's highly"},{"speaker":"Alan Smith","startTime":4951.0,"endTime":4953.79,"body":"entertaining. And it's it's"},{"speaker":"Nick Lincoln","startTime":4955.08,"endTime":4957.3,"body":"she I think she's"},{"speaker":"Nick Lincoln","startTime":4955.08,"endTime":4957.3,"body":"been eaten by a shark mate and"},{"speaker":"Nick Lincoln","startTime":4957.87,"endTime":4960.9,"body":"the sharks about the footer. And"},{"speaker":"Nick Lincoln","startTime":4957.87,"endTime":4960.9,"body":"there was a there was a pug cut."},{"speaker":"Nick Lincoln","startTime":4960.9,"endTime":4963.42,"body":"I think it was Yeah, was called"},{"speaker":"Nick Lincoln","startTime":4960.9,"endTime":4963.42,"body":"a maybe 10 us on the podcast"},{"speaker":"Nick Lincoln","startTime":4963.42,"endTime":4966.21,"body":"series about her. So we don't"},{"speaker":"Nick Lincoln","startTime":4963.42,"endTime":4966.21,"body":"watch TV. I don't want to watch"},{"speaker":"Nick Lincoln","startTime":4966.21,"endTime":4970.2,"body":"TV then. You prefer an audio."},{"speaker":"Nick Lincoln","startTime":4966.21,"endTime":4970.2,"body":"Just to search for Melissa"},{"speaker":"Nick Lincoln","startTime":4970.2,"endTime":4971.37,"body":"category? The podcast. It's"},{"speaker":"Alan Smith","startTime":4971.37,"endTime":4975.45,"body":"a very Yes. That was"},{"speaker":"Alan Smith","startTime":4971.37,"endTime":4975.45,"body":"only on the podcast. Yeah. This"},{"speaker":"Alan Smith","startTime":4975.45,"endTime":4979.65,"body":"one is for three episodes on the"},{"speaker":"Alan Smith","startTime":4975.45,"endTime":4979.65,"body":"on the TV program. Okay. The"},{"speaker":"Alan Smith","startTime":4979.65,"endTime":4982.5,"body":"other one I've got briefly is I"},{"speaker":"Alan Smith","startTime":4979.65,"endTime":4982.5,"body":"used to be a big fan of snooker"},{"speaker":"Alan Smith","startTime":4982.53,"endTime":4985.08,"body":"when I was a young man, I used"},{"speaker":"Alan Smith","startTime":4982.53,"endTime":4985.08,"body":"to watch it a lot on the TV and"},{"speaker":"Alan Smith","startTime":4985.08,"endTime":4988.98,"body":"used to play it a bit. And I've"},{"speaker":"Alan Smith","startTime":4985.08,"endTime":4988.98,"body":"just been watching the kind of"},{"speaker":"Alan Smith","startTime":4988.98,"endTime":4992.19,"body":"rise and fall of this genius"},{"speaker":"Alan Smith","startTime":4988.98,"endTime":4992.19,"body":"called Ronnie O'Sullivan, who's"},{"speaker":"Alan Smith","startTime":4992.19,"endTime":4996.42,"body":"just the episode is going out"},{"speaker":"Alan Smith","startTime":4992.19,"endTime":4996.42,"body":"earlier this week or the week"},{"speaker":"Alan Smith","startTime":4996.42,"endTime":4999.78,"body":"last weekend, he won again, he"},{"speaker":"Alan Smith","startTime":4996.42,"endTime":4999.78,"body":"won the British Championship"},{"speaker":"Alan Smith","startTime":4999.84,"endTime":5002.54,"body":"snooker and this and"},{"speaker":"Alan Smith","startTime":4999.84,"endTime":5002.54,"body":"coincidentally, I started"},{"speaker":"Alan Smith","startTime":5002.54,"endTime":5007.19,"body":"watching this thing on Amazon"},{"speaker":"Alan Smith","startTime":5002.54,"endTime":5007.19,"body":"Prime TV is called the edge of"},{"speaker":"Alan Smith","startTime":5007.19,"endTime":5011.3,"body":"everything but just tracks is"},{"speaker":"Alan Smith","startTime":5007.19,"endTime":5011.3,"body":"his life and the success of the"},{"speaker":"Alan Smith","startTime":5011.33,"endTime":5014.57,"body":"really good the last bit is"},{"speaker":"Alan Smith","startTime":5011.33,"endTime":5014.57,"body":"really good. It is just like a"},{"speaker":"Alan Smith","startTime":5014.57,"endTime":5017.18,"body":"lot of these guys who's just"},{"speaker":"Alan Smith","startTime":5014.57,"endTime":5017.18,"body":"that that borderline between"},{"speaker":"Alan Smith","startTime":5017.18,"endTime":5019.37,"body":"genius and madness. You know,"},{"speaker":"Alan Smith","startTime":5017.18,"endTime":5019.37,"body":"he's got you know, he's got a"},{"speaker":"Alan Smith","startTime":5019.37,"endTime":5022.55,"body":"lot of voices. And he's gonna go"},{"speaker":"Alan Smith","startTime":5019.37,"endTime":5022.55,"body":"through a story that was so"},{"speaker":"Alan Smith","startTime":5022.55,"endTime":5024.83,"body":"close to his dad as well"},{"speaker":"Alan Smith","startTime":5022.55,"endTime":5024.83,"body":"documented, his dad went to"},{"speaker":"Alan Smith","startTime":5024.83,"endTime":5027.53,"body":"prison and it's just, it's a"},{"speaker":"Alan Smith","startTime":5024.83,"endTime":5027.53,"body":"fabulous kind of fly in the"},{"speaker":"Alan Smith","startTime":5027.53,"endTime":5030.0199999999995,"body":"wall. They got deep insight into"},{"speaker":"Alan Smith","startTime":5027.53,"endTime":5030.0199999999995,"body":"what was going on in his mind."},{"speaker":"Alan Smith","startTime":5030.0199999999995,"endTime":5032.87,"body":"And he talks about mental health"},{"speaker":"Alan Smith","startTime":5030.0199999999995,"endTime":5032.87,"body":"issues. And these this was like,"},{"speaker":"Alan Smith","startTime":5033.14,"endTime":5035.39,"body":"as he says, This is real mental"},{"speaker":"Alan Smith","startTime":5033.14,"endTime":5035.39,"body":"health issues. I was ahead of"},{"speaker":"Alan Smith","startTime":5035.39,"endTime":5037.43,"body":"the game. I was doing some of"},{"speaker":"Alan Smith","startTime":5035.39,"endTime":5037.43,"body":"the Mental Health things 20"},{"speaker":"Alan Smith","startTime":5037.43,"endTime":5040.43,"body":"years ago, before it became"},{"speaker":"Alan Smith","startTime":5037.43,"endTime":5040.43,"body":"fashionable, but it's a"},{"speaker":"Alan Smith","startTime":5040.43,"endTime":5042.05,"body":"fabulous, very,"},{"speaker":"Andy Hart","startTime":5042.05,"endTime":5044.66,"body":"very tricky and"},{"speaker":"Andy Hart","startTime":5042.05,"endTime":5044.66,"body":"dreary travels very challenging."},{"speaker":"Andy Hart","startTime":5044.8099999999995,"endTime":5048.47,"body":"Yeah, I think he just goes out"},{"speaker":"Andy Hart","startTime":5044.8099999999995,"endTime":5048.47,"body":"there and it's just it's a lot"},{"speaker":"Andy Hart","startTime":5048.47,"endTime":5049.49,"body":"more ways. Yeah,"},{"speaker":"Alan Smith","startTime":5049.49,"endTime":5053.0599999999995,"body":"it's well worth"},{"speaker":"Alan Smith","startTime":5049.49,"endTime":5053.0599999999995,"body":"watching. Anyone who's just he's"},{"speaker":"Alan Smith","startTime":5053.0599999999995,"endTime":5056.03,"body":"just a genius. He's the best"},{"speaker":"Alan Smith","startTime":5053.0599999999995,"endTime":5056.03,"body":"ever at this. Anyone is the best"},{"speaker":"Alan Smith","startTime":5056.03,"endTime":5059.78,"body":"at a sport is worth just sort of"},{"speaker":"Alan Smith","startTime":5056.03,"endTime":5059.78,"body":"watching how they've achieved"},{"speaker":"Alan Smith","startTime":5059.78,"endTime":5062.51,"body":"their level of success. I"},{"speaker":"Alan Smith","startTime":5059.78,"endTime":5062.51,"body":"recommend it thank you."},{"speaker":"Nick Lincoln","startTime":5063.08,"endTime":5065.15,"body":"Interesting Okay,"},{"speaker":"Nick Lincoln","startTime":5063.08,"endTime":5065.15,"body":"I'll try and find the time to"},{"speaker":"Nick Lincoln","startTime":5065.15,"endTime":5066.86,"body":"watch that great stuff. Watch"},{"speaker":"Carl Widger","startTime":5069.89,"endTime":5072.17,"body":"how did I put in"},{"speaker":"Carl Widger","startTime":5069.89,"endTime":5072.17,"body":"our cars ETFs"},{"speaker":"Nick Lincoln","startTime":5074.39,"endTime":5075.17,"body":"sorry to wake you"},{"speaker":"Nick Lincoln","startTime":5074.39,"endTime":5075.17,"body":"up"},{"speaker":"Carl Widger","startTime":5077.8099999999995,"endTime":5080.66,"body":"Yeah, I actually"},{"speaker":"Carl Widger","startTime":5077.8099999999995,"endTime":5080.66,"body":"struggled a little bit I'm uh,"},{"speaker":"Carl Widger","startTime":5081.08,"endTime":5083.96,"body":"I'm actually running on empty"},{"speaker":"Carl Widger","startTime":5081.08,"endTime":5083.96,"body":"I'll be honest, I'm looking"},{"speaker":"Carl Widger","startTime":5083.96,"endTime":5087.05,"body":"forward to a little bit of a"},{"speaker":"Carl Widger","startTime":5083.96,"endTime":5087.05,"body":"break at the end of this year so"},{"speaker":"Carl Widger","startTime":5087.05,"endTime":5090.59,"body":"I struggled for a culture corner"},{"speaker":"Carl Widger","startTime":5087.05,"endTime":5090.59,"body":"piece but I did listen to this a"},{"speaker":"Carl Widger","startTime":5090.59,"endTime":5098.0,"body":"Bloomberg Bloomberg series short"},{"speaker":"Carl Widger","startTime":5090.59,"endTime":5098.0,"body":"episodes on kind of the the the"},{"speaker":"Carl Widger","startTime":5098.69,"endTime":5104.51,"body":"rise of the ETF following Black"},{"speaker":"Carl Widger","startTime":5098.69,"endTime":5104.51,"body":"Monday in 1987 It's not great"},{"speaker":"Carl Widger","startTime":5110.0,"endTime":5114.23,"body":"because loads there's loads of"},{"speaker":"Carl Widger","startTime":5110.0,"endTime":5114.23,"body":"Bloomberg guides that are at the"},{"speaker":"Carl Widger","startTime":5114.23,"endTime":5116.66,"body":"end of the episode and then at"},{"speaker":"Carl Widger","startTime":5114.23,"endTime":5116.66,"body":"the start of the next episode,"},{"speaker":"Carl Widger","startTime":5116.66,"endTime":5119.42,"body":"I'm like, Oh, just listen to"},{"speaker":"Carl Widger","startTime":5116.66,"endTime":5119.42,"body":"that. Like just move on. But it"},{"speaker":"Carl Widger","startTime":5119.42,"endTime":5124.3099999999995,"body":"is quite interesting in terms of"},{"speaker":"Carl Widger","startTime":5119.42,"endTime":5124.3099999999995,"body":"where you know DTF despite or"},{"speaker":"Carl Widger","startTime":5124.3099999999995,"endTime":5126.89,"body":"came from and that kind of"},{"speaker":"Carl Widger","startTime":5124.3099999999995,"endTime":5126.89,"body":"stuff. So look, we should know"},{"speaker":"Carl Widger","startTime":5126.89,"endTime":5129.23,"body":"this stuff. So it's easy."},{"speaker":"Alan Smith","startTime":5130.97,"endTime":5134.0599999999995,"body":"I think quite sounds"},{"speaker":"Alan Smith","startTime":5130.97,"endTime":5134.0599999999995,"body":"like you need to go on a three"},{"speaker":"Alan Smith","startTime":5134.0599999999995,"endTime":5138.29,"body":"day retreat by yourself on a"},{"speaker":"Alan Smith","startTime":5134.0599999999995,"endTime":5138.29,"body":"country cottage or by the beach"},{"speaker":"Alan Smith","startTime":5138.3499999999995,"endTime":5140.21,"body":"and just lad holiday just"},{"speaker":"Carl Widger","startTime":5141.89,"endTime":5144.2,"body":"cranky it made you"},{"speaker":"Carl Widger","startTime":5141.89,"endTime":5144.2,"body":"I'm definitely not."},{"speaker":"Andy Hart","startTime":5146.0,"endTime":5148.16,"body":"I won't be spoken"},{"speaker":"Andy Hart","startTime":5146.0,"endTime":5148.16,"body":"about that. Alan, you weren't"},{"speaker":"Andy Hart","startTime":5148.19,"endTime":5151.04,"body":"you weren't mentioned that last"},{"speaker":"Andy Hart","startTime":5148.19,"endTime":5151.04,"body":"time that I was going on there"},{"speaker":"Andy Hart","startTime":5151.04,"endTime":5151.91,"body":"but you've actually done it."},{"speaker":"Alan Smith","startTime":5153.17,"endTime":5154.97,"body":"Successfully is the"},{"speaker":"Alan Smith","startTime":5153.17,"endTime":5154.97,"body":"planning recommend it to"},{"speaker":"Alan Smith","startTime":5154.97,"endTime":5157.94,"body":"everyone. It was wonderful. I"},{"speaker":"Alan Smith","startTime":5154.97,"endTime":5157.94,"body":"had some headspace time to think"},{"speaker":"Alan Smith","startTime":5157.94,"endTime":5162.2,"body":"or for long walks, reflect on my"},{"speaker":"Alan Smith","startTime":5157.94,"endTime":5162.2,"body":"life, reflect and reflect on my"},{"speaker":"Alan Smith","startTime":5162.2,"endTime":5163.58,"body":"friendship with you and I"},{"speaker":"Andy Hart","startTime":5165.38,"endTime":5167.21,"body":"sit down by the fire"},{"speaker":"Andy Hart","startTime":5165.38,"endTime":5167.21,"body":"that"},{"speaker":"Alan Smith","startTime":5169.3099999999995,"endTime":5176.36,"body":"takes your clothes"},{"speaker":"Alan Smith","startTime":5169.3099999999995,"endTime":5176.36,"body":"there. Your clothes I love I"},{"speaker":"Alan Smith","startTime":5176.36,"endTime":5179.45,"body":"recommend it to everyone. And"},{"speaker":"Alan Smith","startTime":5176.36,"endTime":5179.45,"body":"that's why I can come up with"},{"speaker":"Alan Smith","startTime":5179.45,"endTime":5181.55,"body":"good culture corner things not"},{"speaker":"Alan Smith","startTime":5179.45,"endTime":5181.55,"body":"nonsense that you"},{"speaker":"Andy Hart","startTime":5185.63,"endTime":5188.36,"body":"can watch a really"},{"speaker":"Andy Hart","startTime":5185.63,"endTime":5188.36,"body":"depressing documentary about"},{"speaker":"Andy Hart","startTime":5188.36,"endTime":5192.3499999999995,"body":"Ronnie O'Sullivan come back the"},{"speaker":"Andy Hart","startTime":5188.36,"endTime":5192.3499999999995,"body":"next day."},{"speaker":"Nick Lincoln","startTime":5193.25,"endTime":5195.98,"body":"And he said,"},{"speaker":"Nick Lincoln","startTime":5193.25,"endTime":5195.98,"body":"You're and you've got to you've"},{"speaker":"Nick Lincoln","startTime":5195.98,"endTime":5197.54,"body":"got two items. And I've"},{"speaker":"Andy Hart","startTime":5197.54,"endTime":5199.64,"body":"got two items. Yeah,"},{"speaker":"Andy Hart","startTime":5197.54,"endTime":5199.64,"body":"the first one is a podcast"},{"speaker":"Andy Hart","startTime":5199.64,"endTime":5203.03,"body":"recommendation. It's a podcast"},{"speaker":"Andy Hart","startTime":5199.64,"endTime":5203.03,"body":"called My first million. I quite"},{"speaker":"Andy Hart","startTime":5203.03,"endTime":5206.0599999999995,"body":"like it. And they've got a"},{"speaker":"Andy Hart","startTime":5203.03,"endTime":5206.0599999999995,"body":"founder of a company that's"},{"speaker":"Andy Hart","startTime":5206.0599999999995,"endTime":5208.88,"body":"called Tiny and tiny pitches"},{"speaker":"Andy Hart","startTime":5206.0599999999995,"endTime":5208.88,"body":"themselves with a sort of"},{"speaker":"Andy Hart","startTime":5209.33,"endTime":5212.54,"body":"internet version of Berkshire"},{"speaker":"Andy Hart","startTime":5209.33,"endTime":5212.54,"body":"Hathaway. So they buy incredibly"},{"speaker":"Andy Hart","startTime":5212.54,"endTime":5216.71,"body":"profitable businesses that make"},{"speaker":"Andy Hart","startTime":5212.54,"endTime":5216.71,"body":"them you know, hyper incredibly"},{"speaker":"Andy Hart","startTime":5217.01,"endTime":5219.98,"body":"sorry, hyper profitable by"},{"speaker":"Andy Hart","startTime":5217.01,"endTime":5219.98,"body":"making some tweaks and stuff. So"},{"speaker":"Andy Hart","startTime":5219.98,"endTime":5224.45,"body":"the founder, Andrew Wilkinson"},{"speaker":"Andy Hart","startTime":5219.98,"endTime":5224.45,"body":"talks about boring businesses."},{"speaker":"Andy Hart","startTime":5224.54,"endTime":5228.2,"body":"There's a lot of good insights I"},{"speaker":"Andy Hart","startTime":5224.54,"endTime":5228.2,"body":"took from that episode. I think"},{"speaker":"Andy Hart","startTime":5228.2,"endTime":5231.17,"body":"you listened to it as well,"},{"speaker":"Andy Hart","startTime":5228.2,"endTime":5231.17,"body":"Alan, but yeah, if you're into"},{"speaker":"Andy Hart","startTime":5231.17,"endTime":5234.08,"body":"sort of, yeah, online scalable"},{"speaker":"Andy Hart","startTime":5231.17,"endTime":5234.08,"body":"type businesses and different"},{"speaker":"Andy Hart","startTime":5234.08,"endTime":5236.51,"body":"types of ways of thinking about"},{"speaker":"Andy Hart","startTime":5234.08,"endTime":5236.51,"body":"businesses got some superb"},{"speaker":"Andy Hart","startTime":5236.51,"endTime":5238.13,"body":"insights in it's"},{"speaker":"Alan Smith","startTime":5238.13,"endTime":5240.3499999999995,"body":"really easily a good"},{"speaker":"Alan Smith","startTime":5238.13,"endTime":5240.3499999999995,"body":"one I did listen to on your"},{"speaker":"Alan Smith","startTime":5240.3499999999995,"endTime":5242.42,"body":"recommendation. Interesting"},{"speaker":"Alan Smith","startTime":5240.3499999999995,"endTime":5242.42,"body":"thing about all these sort of"},{"speaker":"Alan Smith","startTime":5242.42,"endTime":5247.28,"body":"podcasts is it became this one"},{"speaker":"Alan Smith","startTime":5242.42,"endTime":5247.28,"body":"they were hit and miss some of"},{"speaker":"Alan Smith","startTime":5247.28,"endTime":5251.9,"body":"them that my first million I"},{"speaker":"Alan Smith","startTime":5247.28,"endTime":5251.9,"body":"mean, I must find the one of"},{"speaker":"Alan Smith","startTime":5251.9,"endTime":5254.12,"body":"them close one of the holes"},{"speaker":"Alan Smith","startTime":5251.9,"endTime":5254.12,"body":"quite annoying, which is"},{"speaker":"Alan Smith","startTime":5254.12,"endTime":5259.94,"body":"probably again like this one as"},{"speaker":"Alan Smith","startTime":5254.12,"endTime":5259.94,"body":"well. But, but some of the"},{"speaker":"Alan Smith","startTime":5259.94,"endTime":5262.5199999999995,"body":"episodes they do are really"},{"speaker":"Alan Smith","startTime":5259.94,"endTime":5262.5199999999995,"body":"good. And that one was good"},{"speaker":"Alan Smith","startTime":5262.5199999999995,"endTime":5265.37,"body":"because Andrew Wilkinson is a"},{"speaker":"Alan Smith","startTime":5262.5199999999995,"endTime":5265.37,"body":"bit is a superstar in just"},{"speaker":"Alan Smith","startTime":5265.37,"endTime":5268.64,"body":"business building and creation,"},{"speaker":"Alan Smith","startTime":5265.37,"endTime":5268.64,"body":"valuing."},{"speaker":"Andy Hart","startTime":5272.03,"endTime":5274.55,"body":"a listed company in"},{"speaker":"Andy Hart","startTime":5272.03,"endTime":5274.55,"body":"in Canada are quite interesting."},{"speaker":"Andy Hart","startTime":5274.79,"endTime":5278.33,"body":"He runs an online businesses and"},{"speaker":"Andy Hart","startTime":5274.79,"endTime":5278.33,"body":"he also runs a bakery. And the"},{"speaker":"Andy Hart","startTime":5278.33,"endTime":5280.43,"body":"online businesses are super"},{"speaker":"Andy Hart","startTime":5278.33,"endTime":5280.43,"body":"profitable. And there's lots"},{"speaker":"Andy Hart","startTime":5280.43,"endTime":5282.68,"body":"going on with them. There's lots"},{"speaker":"Andy Hart","startTime":5280.43,"endTime":5282.68,"body":"of stuff to learn. But when he"},{"speaker":"Andy Hart","startTime":5282.68,"endTime":5284.87,"body":"meets people, all they want to"},{"speaker":"Andy Hart","startTime":5282.68,"endTime":5284.87,"body":"know is about the bakery. It's"},{"speaker":"Andy Hart","startTime":5284.87,"endTime":5287.9,"body":"like its highest hassle,"},{"speaker":"Andy Hart","startTime":5284.87,"endTime":5287.9,"body":"business and loads of other"},{"speaker":"Andy Hart","startTime":5287.9,"endTime":5290.78,"body":"stuff he goes into. It's quite"},{"speaker":"Andy Hart","startTime":5287.9,"endTime":5290.78,"body":"quite interesting. My next point"},{"speaker":"Andy Hart","startTime":5290.78,"endTime":5294.26,"body":"is quite unrelated to financial"},{"speaker":"Andy Hart","startTime":5290.78,"endTime":5294.26,"body":"services. This is sort of on the"},{"speaker":"Andy Hart","startTime":5294.26,"endTime":5297.92,"body":"level of the cars bag and my"},{"speaker":"Andy Hart","startTime":5294.26,"endTime":5297.92,"body":"IKEA wardrobe. But it is a"},{"speaker":"Andy Hart","startTime":5297.92,"endTime":5304.0999999999995,"body":"superb film from Bill Nayeli or"},{"speaker":"Andy Hart","startTime":5297.92,"endTime":5304.0999999999995,"body":"nightly living. Now he Yeah,"},{"speaker":"Andy Hart","startTime":5304.0999999999995,"endTime":5307.5199999999995,"body":"it's called. It's called Living."},{"speaker":"Andy Hart","startTime":5304.0999999999995,"endTime":5307.5199999999995,"body":"And it's on Amazon Prime. And"},{"speaker":"Andy Hart","startTime":5307.5199999999995,"endTime":5312.23,"body":"it's just the most wonderfully"},{"speaker":"Andy Hart","startTime":5307.5199999999995,"endTime":5312.23,"body":"filmed cinematography I've seen"},{"speaker":"Andy Hart","startTime":5312.23,"endTime":5315.95,"body":"of any film, there is a story to"},{"speaker":"Andy Hart","startTime":5312.23,"endTime":5315.95,"body":"it, because it's called Living,"},{"speaker":"Andy Hart","startTime":5315.95,"endTime":5320.99,"body":"it's all about him getting some"},{"speaker":"Andy Hart","startTime":5315.95,"endTime":5320.99,"body":"sort of bad illness. And it's"},{"speaker":"Andy Hart","startTime":5321.0199999999995,"endTime":5324.62,"body":"all based around London sort of"},{"speaker":"Andy Hart","startTime":5321.0199999999995,"endTime":5324.62,"body":"6070 years ago, so that sort of"},{"speaker":"Andy Hart","startTime":5324.62,"endTime":5328.76,"body":"the, the early early time of"},{"speaker":"Andy Hart","startTime":5324.62,"endTime":5328.76,"body":"commuting, it's got loads of"},{"speaker":"Andy Hart","startTime":5328.76,"endTime":5332.21,"body":"just stories embedded into it"},{"speaker":"Andy Hart","startTime":5328.76,"endTime":5332.21,"body":"and and people do say it's like"},{"speaker":"Andy Hart","startTime":5332.24,"endTime":5334.91,"body":"some of the most beautiful from"},{"speaker":"Andy Hart","startTime":5332.24,"endTime":5334.91,"body":"they've ever seen. So it's"},{"speaker":"Andy Hart","startTime":5334.91,"endTime":5336.65,"body":"definitely worth checking it out"},{"speaker":"Andy Hart","startTime":5334.91,"endTime":5336.65,"body":"what"},{"speaker":"Alan Smith","startTime":5337.28,"endTime":5339.44,"body":"to do with financial"},{"speaker":"Alan Smith","startTime":5337.28,"endTime":5339.44,"body":"services. What's it got to watch"},{"speaker":"Alan Smith","startTime":5339.44,"endTime":5341.3,"body":"twice? What's the relevance for"},{"speaker":"Alan Smith","startTime":5339.44,"endTime":5341.3,"body":"the audience?"},{"speaker":"Andy Hart","startTime":5341.39,"endTime":5343.13,"body":"Our call I pitched it"},{"speaker":"Andy Hart","startTime":5341.39,"endTime":5343.13,"body":"like that."},{"speaker":"Alan Smith","startTime":5343.73,"endTime":5345.47,"body":"I mean, you're just"},{"speaker":"Alan Smith","startTime":5343.73,"endTime":5345.47,"body":"wasting everyone's time."},{"speaker":"Andy Hart","startTime":5345.5,"endTime":5349.58,"body":"It's got good human"},{"speaker":"Andy Hart","startTime":5345.5,"endTime":5349.58,"body":"stories into it. It's"},{"speaker":"Alan Smith","startTime":5350.0,"endTime":5351.83,"body":"I watched it I've"},{"speaker":"Alan Smith","startTime":5350.0,"endTime":5351.83,"body":"watched it a while ago is"},{"speaker":"Alan Smith","startTime":5351.83,"endTime":5355.19,"body":"brilliant. It's lovely. It's"},{"speaker":"Alan Smith","startTime":5351.83,"endTime":5355.19,"body":"very generous a lovely stuff to"},{"speaker":"Alan Smith","startTime":5355.19,"endTime":5358.82,"body":"watch this time of year with"},{"speaker":"Alan Smith","startTime":5355.19,"endTime":5358.82,"body":"your family or other there's no"},{"speaker":"Alan Smith","startTime":5359.36,"endTime":5362.45,"body":"big dramas. It's very it's kind"},{"speaker":"Alan Smith","startTime":5359.36,"endTime":5362.45,"body":"of slow movies. It's got his"},{"speaker":"Alan Smith","startTime":5362.45,"endTime":5365.57,"body":"haters connections, its beauty"},{"speaker":"Alan Smith","startTime":5362.45,"endTime":5365.57,"body":"news connections to what we do."},{"speaker":"Alan Smith","startTime":5365.96,"endTime":5368.12,"body":"But to your boss, none but"},{"speaker":"Alan Smith","startTime":5365.96,"endTime":5368.12,"body":"honestly,"},{"speaker":"Nick Lincoln","startTime":5368.36,"endTime":5369.62,"body":"I'm looking"},{"speaker":"Nick Lincoln","startTime":5368.36,"endTime":5369.62,"body":"forward to the film we're going"},{"speaker":"Nick Lincoln","startTime":5369.62,"endTime":5372.5599999999995,"body":"to make about the guy who made"},{"speaker":"Nick Lincoln","startTime":5369.62,"endTime":5372.5599999999995,"body":"AI faces that was shit and then"},{"speaker":"Nick Lincoln","startTime":5372.5599999999995,"endTime":5375.5,"body":"stripping it back to financial"},{"speaker":"Nick Lincoln","startTime":5372.5599999999995,"endTime":5375.5,"body":"services. Oh, that's for F bombs"},{"speaker":"Nick Lincoln","startTime":5375.5,"endTime":5378.89,"body":"and I'm not doing any editing."},{"speaker":"Nick Lincoln","startTime":5375.5,"endTime":5378.89,"body":"Okay, listen, we're all we're"},{"speaker":"Nick Lincoln","startTime":5378.89,"endTime":5383.8099999999995,"body":"all running on fumes. I think"},{"speaker":"Nick Lincoln","startTime":5378.89,"endTime":5383.8099999999995,"body":"now I think of the episode 34"},{"speaker":"Nick Lincoln","startTime":5383.8099999999995,"endTime":5386.63,"body":"the second in our masterclass"},{"speaker":"Nick Lincoln","startTime":5383.8099999999995,"endTime":5386.63,"body":"marketing masterclass series."},{"speaker":"Nick Lincoln","startTime":5387.23,"endTime":5389.75,"body":"Thank you for your time your"},{"speaker":"Nick Lincoln","startTime":5387.23,"endTime":5389.75,"body":"traffic please please, please do"},{"speaker":"Nick Lincoln","startTime":5390.14,"endTime":5394.37,"body":"like and subscribe to us on your"},{"speaker":"Nick Lincoln","startTime":5390.14,"endTime":5394.37,"body":"podcast app of choice and not"},{"speaker":"Nick Lincoln","startTime":5394.37,"endTime":5397.04,"body":"like Instagram, just subscribe"},{"speaker":"Nick Lincoln","startTime":5394.37,"endTime":5397.04,"body":"to it that way every episode"},{"speaker":"Nick Lincoln","startTime":5397.04,"endTime":5401.0,"body":"goes into your phone bang in the"},{"speaker":"Nick Lincoln","startTime":5397.04,"endTime":5401.0,"body":"early hours of every Thursday"},{"speaker":"Nick Lincoln","startTime":5401.0,"endTime":5402.89,"body":"morning please do that and"},{"speaker":"Nick Lincoln","startTime":5401.0,"endTime":5402.89,"body":"likewise with the YouTube"},{"speaker":"Nick Lincoln","startTime":5402.89,"endTime":5406.43,"body":"channel please like and"},{"speaker":"Nick Lincoln","startTime":5402.89,"endTime":5406.43,"body":"subscribe to that as well. And"},{"speaker":"Nick Lincoln","startTime":5406.43,"endTime":5412.28,"body":"do check out the new website WWW"},{"speaker":"Nick Lincoln","startTime":5406.43,"endTime":5412.28,"body":"dot the real advisor podcast.com"},{"speaker":"Nick Lincoln","startTime":5412.94,"endTime":5415.28,"body":"I think that's pretty much about"},{"speaker":"Nick Lincoln","startTime":5412.94,"endTime":5415.28,"body":"it, isn't it guys? Yeah, we're"},{"speaker":"Nick Lincoln","startTime":5415.28,"endTime":5418.73,"body":"done. So fabulous. Love you all."},{"speaker":"Nick Lincoln","startTime":5415.28,"endTime":5418.73,"body":"Take care adios from the trap"},{"speaker":"Nick Lincoln","startTime":5418.73,"endTime":5423.5599999999995,"body":"pack and we will speak to you on"},{"speaker":"Nick Lincoln","startTime":5418.73,"endTime":5423.5599999999995,"body":"the other side. Goodbye. Later"},{"speaker":"Andy Hart","startTime":5423.59,"endTime":5425.45,"body":"goodbye. Bye bye"},{"speaker":"Carl Widger","startTime":5432.83,"endTime":5435.53,"body":"absolute shambles."},{"speaker":"Carl Widger","startTime":5432.83,"endTime":5435.53,"body":"I think we should do while you"},{"speaker":"Carl Widger","startTime":5435.53,"endTime":5436.19,"body":"call our box."}]}