{"version":"1.0.0","segments":[{"speaker":"Unknown","startTime":11.4,"endTime":15.54,"body":"Music, welcome to the"},{"speaker":"Unknown","startTime":11.4,"endTime":15.54,"body":"real advisor podcast, T, R, A,"},{"speaker":"Unknown","startTime":15.54,"endTime":19.86,"body":"P, T, please follow us and join"},{"speaker":"Unknown","startTime":15.54,"endTime":19.86,"body":"in the conversation on Twitter"},{"speaker":"Unknown","startTime":20.22,"endTime":24.08,"body":"at adviser podcast where you can"},{"speaker":"Unknown","startTime":20.22,"endTime":24.08,"body":"suggest ideas and themes you'd"},{"speaker":"Unknown","startTime":24.08,"endTime":27.56,"body":"like the trap team to discuss."},{"speaker":"Unknown","startTime":24.08,"endTime":27.56,"body":"Also remember to like and"},{"speaker":"Unknown","startTime":27.56,"endTime":31.22,"body":"subscribe to our YouTube channel"},{"speaker":"Unknown","startTime":27.56,"endTime":31.22,"body":"and leave a six out of five star"},{"speaker":"Unknown","startTime":31.22,"endTime":35.18,"body":"review on iTunes. Doing all this"},{"speaker":"Unknown","startTime":31.22,"endTime":35.18,"body":"really, really helps us, which"},{"speaker":"Unknown","startTime":35.18,"endTime":38.66,"body":"means we can do more to help"},{"speaker":"Unknown","startTime":35.18,"endTime":38.66,"body":"you. Now, let's head over to the"},{"speaker":"Unknown","startTime":38.66,"endTime":40.9,"body":"studio for the latest pile of"},{"speaker":"Unknown","startTime":38.66,"endTime":40.9,"body":"trap."},{"speaker":"Nick Lincoln","startTime":46.9,"endTime":49.24,"body":"Yes, indeed, dear"},{"speaker":"Nick Lincoln","startTime":46.9,"endTime":49.24,"body":"TRAPPIST, welcome back to what"},{"speaker":"Nick Lincoln","startTime":49.24,"endTime":53.14,"body":"many people are calling episode"},{"speaker":"Nick Lincoln","startTime":49.24,"endTime":53.14,"body":"56 of the real advisor podcast,"},{"speaker":"Nick Lincoln","startTime":53.14,"endTime":57.82,"body":"t up, AP trap. My name is lick"},{"speaker":"Nick Lincoln","startTime":53.14,"endTime":57.82,"body":"Lincoln, and joining me as ever"},{"speaker":"Nick Lincoln","startTime":58.36,"endTime":61.74,"body":"in the digital studio of doom"},{"speaker":"Nick Lincoln","startTime":58.36,"endTime":61.74,"body":"are the three other Horsemen of"},{"speaker":"Nick Lincoln","startTime":61.74,"endTime":67.5,"body":"the Apocalypse and the ultra"},{"speaker":"Nick Lincoln","startTime":61.74,"endTime":67.5,"body":"heart. Alan the storyteller,"},{"speaker":"Nick Lincoln","startTime":67.5,"endTime":72.42,"body":"Smith and Carl delachi, the"},{"speaker":"Nick Lincoln","startTime":67.5,"endTime":72.42,"body":"voice widow. Now gentlemen, we"},{"speaker":"Nick Lincoln","startTime":72.42,"endTime":76.92,"body":"have a show packed full of app,"},{"speaker":"Nick Lincoln","startTime":72.42,"endTime":76.92,"body":"absolutely nothing. So let's"},{"speaker":"Nick Lincoln","startTime":76.92,"endTime":79.68,"body":"start unpacking it straight away"},{"speaker":"Nick Lincoln","startTime":76.92,"endTime":79.68,"body":"with some more high energy"},{"speaker":"Nick Lincoln","startTime":79.68,"endTime":81.92,"body":"review reads, read out by my"},{"speaker":"Nick Lincoln","startTime":79.68,"endTime":81.92,"body":"very good friend the right"},{"speaker":"Nick Lincoln","startTime":81.92,"endTime":83.3,"body":"honorable Mr. Andrew Hart,"},{"speaker":"Andy Hart","startTime":83.359,"endTime":86.539,"body":"thank you. Lick. The"},{"speaker":"Andy Hart","startTime":83.359,"endTime":86.539,"body":"first one is from stagman Six,"},{"speaker":"Andy Hart","startTime":86.539,"endTime":90.259,"body":"six out of five. Five stars."},{"speaker":"Andy Hart","startTime":86.539,"endTime":90.259,"body":"Absolutely love this podcast."},{"speaker":"Andy Hart","startTime":90.259,"endTime":92.659,"body":"Please keep them coming. I've"},{"speaker":"Andy Hart","startTime":90.259,"endTime":92.659,"body":"been an advisor for 11 years,"},{"speaker":"Andy Hart","startTime":92.659,"endTime":95.419,"body":"and the content shared and his"},{"speaker":"Andy Hart","startTime":92.659,"endTime":95.419,"body":"podcast has been invaluable."},{"speaker":"Andy Hart","startTime":95.539,"endTime":98.779,"body":"Real life stories and experience"},{"speaker":"Andy Hart","startTime":95.539,"endTime":98.779,"body":"together with banter and laughs."},{"speaker":"Andy Hart","startTime":99.199,"endTime":102.039,"body":"The next review was sort of"},{"speaker":"Andy Hart","startTime":99.199,"endTime":102.039,"body":"leapfrog this one, because it"},{"speaker":"Andy Hart","startTime":102.039,"endTime":104.499,"body":"was written publicly on"},{"speaker":"Andy Hart","startTime":102.039,"endTime":104.499,"body":"LinkedIn. 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Well, it's taking me four to"},{"speaker":"Andy Hart","startTime":112.899,"endTime":115.839,"body":"five months to get there, but I"},{"speaker":"Andy Hart","startTime":115.839,"endTime":119.979,"body":"can finally say that I've now"},{"speaker":"Andy Hart","startTime":115.839,"endTime":119.979,"body":"listed every 55 episodes of"},{"speaker":"Andy Hart","startTime":119.979,"endTime":123.599,"body":"trap, and I'm still in disbelief"},{"speaker":"Andy Hart","startTime":119.979,"endTime":123.599,"body":"just how few advisors have even"},{"speaker":"Andy Hart","startTime":123.599,"endTime":127.079,"body":"heard of it. It had been on my"},{"speaker":"Andy Hart","startTime":123.599,"endTime":127.079,"body":"list to listen to for a while,"},{"speaker":"Andy Hart","startTime":127.079,"endTime":129.899,"body":"but I was overwhelmed by how"},{"speaker":"Andy Hart","startTime":127.079,"endTime":129.899,"body":"many episodes there were, so I"},{"speaker":"Andy Hart","startTime":129.899,"endTime":132.419,"body":"suffered from inertia. But"},{"speaker":"Andy Hart","startTime":129.899,"endTime":132.419,"body":"meeting with Andrew Walker, I'm"},{"speaker":"Andy Hart","startTime":132.419,"endTime":135.359,"body":"assuming he's from DFA, gave me"},{"speaker":"Andy Hart","startTime":132.419,"endTime":135.359,"body":"a kick up the backside to get"},{"speaker":"Andy Hart","startTime":135.359,"endTime":137.759,"body":"started. He said, Pick any"},{"speaker":"Andy Hart","startTime":135.359,"endTime":137.759,"body":"episode and listen. You won't"},{"speaker":"Andy Hart","startTime":137.759,"endTime":140.899,"body":"regret it. And he was right. So"},{"speaker":"Andy Hart","startTime":137.759,"endTime":140.899,"body":"I started Episode One and listen"},{"speaker":"Andy Hart","startTime":140.899,"endTime":144.979,"body":"to these gents what feels like"},{"speaker":"Andy Hart","startTime":140.899,"endTime":144.979,"body":"regularly, more regularly than"},{"speaker":"Andy Hart","startTime":144.979,"endTime":147.859,"body":"my own family for the last few"},{"speaker":"Andy Hart","startTime":144.979,"endTime":147.859,"body":"months. If you're an aspiring"},{"speaker":"Andy Hart","startTime":147.859,"endTime":151.339,"body":"financial planner, put the first"},{"speaker":"Andy Hart","startTime":147.859,"endTime":151.339,"body":"episode on and be ready to take"},{"speaker":"Andy Hart","startTime":151.339,"endTime":154.519,"body":"lots of notes. 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Thanks, gents. Wow."},{"speaker":"Andy Hart","startTime":170.319,"endTime":173.799,"body":"Back to you. Nicholas, so yeah,"},{"speaker":"Nick Lincoln","startTime":173.92,"endTime":177.52,"body":"how long is that?"},{"speaker":"Nick Lincoln","startTime":173.92,"endTime":177.52,"body":"Yeah, that's that's that there"},{"speaker":"Nick Lincoln","startTime":177.52,"endTime":179.86,"body":"are many of us, Tom, who think"},{"speaker":"Nick Lincoln","startTime":177.52,"endTime":179.86,"body":"we should be doing community"},{"speaker":"Nick Lincoln","startTime":179.86,"endTime":181.68,"body":"service, but instead, we're"},{"speaker":"Nick Lincoln","startTime":179.86,"endTime":181.68,"body":"doing a service in the"},{"speaker":"Nick Lincoln","startTime":181.68,"endTime":184.02,"body":"community, so we'll take it"},{"speaker":"Nick Lincoln","startTime":181.68,"endTime":184.02,"body":"anywhere we can get it. Thank"},{"speaker":"Nick Lincoln","startTime":184.02,"endTime":186.12,"body":"you for that, and thank you,"},{"speaker":"Nick Lincoln","startTime":184.02,"endTime":186.12,"body":"dear trappers for the reviews."},{"speaker":"Nick Lincoln","startTime":186.12,"endTime":188.34,"body":"We absolutely love them. They"},{"speaker":"Nick Lincoln","startTime":186.12,"endTime":188.34,"body":"are so kind. They really give us"},{"speaker":"Nick Lincoln","startTime":188.34,"endTime":190.74,"body":"a fill up. And it's just one"},{"speaker":"Nick Lincoln","startTime":188.34,"endTime":190.74,"body":"more reason for us to keep on"},{"speaker":"Nick Lincoln","startTime":190.74,"endTime":194.64,"body":"knocking this stuff out, as they"},{"speaker":"Nick Lincoln","startTime":190.74,"endTime":194.64,"body":"say at my local church. Okay,"},{"speaker":"Nick Lincoln","startTime":194.7,"endTime":199.32,"body":"let's move on and put a time"},{"speaker":"Nick Lincoln","startTime":194.7,"endTime":199.32,"body":"stamp with some topical tidbits."},{"speaker":"Nick Lincoln","startTime":199.68,"endTime":203.78,"body":"Yes, well, we're recording this"},{"speaker":"Nick Lincoln","startTime":199.68,"endTime":203.78,"body":"just, what, nine days before the"},{"speaker":"Nick Lincoln","startTime":203.78,"endTime":206.36,"body":"budget. So it's coming out seven"},{"speaker":"Nick Lincoln","startTime":203.78,"endTime":206.36,"body":"days before the budget. So"},{"speaker":"Nick Lincoln","startTime":206.36,"endTime":208.58,"body":"that's kind of overhanging"},{"speaker":"Nick Lincoln","startTime":206.36,"endTime":208.58,"body":"everything in the UK car has"},{"speaker":"Nick Lincoln","startTime":208.58,"endTime":212.96,"body":"been through his what would you"},{"speaker":"Nick Lincoln","startTime":208.58,"endTime":212.96,"body":"call it, by the vote budget? Is"},{"speaker":"Nick Lincoln","startTime":212.96,"endTime":216.62,"body":"that kind car you're in? Yeah."},{"speaker":"Nick Lincoln","startTime":212.96,"endTime":216.62,"body":"So you're the other side of it."},{"speaker":"Nick Lincoln","startTime":216.8,"endTime":218.9,"body":"So that's luck you have"},{"speaker":"Nick Lincoln","startTime":216.8,"endTime":218.9,"body":"everything in the UK presently."},{"speaker":"Nick Lincoln","startTime":219.14,"endTime":222.52,"body":"But let's kick off with a"},{"speaker":"Nick Lincoln","startTime":219.14,"endTime":222.52,"body":"storyteller. And yes, we've got"},{"speaker":"Nick Lincoln","startTime":222.52,"endTime":225.4,"body":"a we got some TRAPPIST out in"},{"speaker":"Nick Lincoln","startTime":222.52,"endTime":225.4,"body":"the Far East, I believe."},{"speaker":"Alan Smith","startTime":226.479,"endTime":230.139,"body":"Yes, absolutely"},{"speaker":"Alan Smith","startTime":226.479,"endTime":230.139,"body":"right. I had the pleasure of"},{"speaker":"Alan Smith","startTime":230.379,"endTime":233.919,"body":"having a cup of tea with a lady"},{"speaker":"Alan Smith","startTime":230.379,"endTime":233.919,"body":"by the name of Jackie McQuillan"},{"speaker":"Alan Smith","startTime":234.759,"endTime":238.959,"body":"a few days ago. Jackie is a"},{"speaker":"Alan Smith","startTime":234.759,"endTime":238.959,"body":"financial planner based in"},{"speaker":"Alan Smith","startTime":238.959,"endTime":242.759,"body":"Singapore. She's Scottish by"},{"speaker":"Alan Smith","startTime":238.959,"endTime":242.759,"body":"Origin, as all the best people"},{"speaker":"Alan Smith","startTime":242.759,"endTime":248.099,"body":"are, but she relocated out to"},{"speaker":"Alan Smith","startTime":242.759,"endTime":248.099,"body":"the Far East. Relocated out to"},{"speaker":"Alan Smith","startTime":248.099,"endTime":252.179,"body":"the Far East a few years ago,"},{"speaker":"Alan Smith","startTime":248.099,"endTime":252.179,"body":"and she's she's in and she's"},{"speaker":"Alan Smith","startTime":252.179,"endTime":256.619,"body":"running, or part of a real"},{"speaker":"Alan Smith","startTime":252.179,"endTime":256.619,"body":"financial planning company based"},{"speaker":"Alan Smith","startTime":256.619,"endTime":259.259,"body":"in Singapore. So I was"},{"speaker":"Alan Smith","startTime":256.619,"endTime":259.259,"body":"fascinated by, I was introduced"},{"speaker":"Alan Smith","startTime":259.259,"endTime":262.639,"body":"by so we just met up and just"},{"speaker":"Alan Smith","startTime":259.259,"endTime":262.639,"body":"fast, sort of swapped war"},{"speaker":"Alan Smith","startTime":262.639,"endTime":266.839,"body":"stories, I guess, and listen to"},{"speaker":"Alan Smith","startTime":262.639,"endTime":266.839,"body":"what life was like out in the"},{"speaker":"Alan Smith","startTime":266.839,"endTime":271.279,"body":"Far East, in that part of the"},{"speaker":"Alan Smith","startTime":266.839,"endTime":271.279,"body":"world. And by all accounts, it's"},{"speaker":"Alan Smith","startTime":271.279,"endTime":274.159,"body":"the, you know, I said, a bit"},{"speaker":"Alan Smith","startTime":271.279,"endTime":274.159,"body":"like the Wild West. Yeah, it's"},{"speaker":"Alan Smith","startTime":274.159,"endTime":277.819,"body":"the wild east. In fact, the"},{"speaker":"Alan Smith","startTime":274.159,"endTime":277.819,"body":"advice advisors out there giving"},{"speaker":"Alan Smith","startTime":277.819,"endTime":279.979,"body":"advice, and the products that"},{"speaker":"Alan Smith","startTime":277.819,"endTime":279.979,"body":"are out there giving advice,"},{"speaker":"Alan Smith","startTime":279.979,"endTime":283.119,"body":"predominantly to the expat"},{"speaker":"Alan Smith","startTime":279.979,"endTime":283.119,"body":"community. And obviously there's"},{"speaker":"Alan Smith","startTime":283.119,"endTime":286.539,"body":"loads of expats living in places"},{"speaker":"Alan Smith","startTime":283.119,"endTime":286.539,"body":"like Singapore and all over the"},{"speaker":"Alan Smith","startTime":286.539,"endTime":289.659,"body":"Far East. It sounds horrendous."},{"speaker":"Alan Smith","startTime":286.539,"endTime":289.659,"body":"I mean, I said it sounds like"},{"speaker":"Alan Smith","startTime":289.659,"endTime":292.539,"body":"the UK 10 years ago, and then"},{"speaker":"Alan Smith","startTime":289.659,"endTime":292.539,"body":"the more she spoke, I thought,"},{"speaker":"Alan Smith","startTime":292.539,"endTime":296.379,"body":"No, this is like the UK 30 years"},{"speaker":"Alan Smith","startTime":292.539,"endTime":296.379,"body":"ago or something, just the the"},{"speaker":"Alan Smith","startTime":296.379,"endTime":299.919,"body":"layering upon layering of fees"},{"speaker":"Alan Smith","startTime":296.379,"endTime":299.919,"body":"and charges no fee disclosure."},{"speaker":"Alan Smith","startTime":299.999,"endTime":304.139,"body":"Are all these kind of wrappers,"},{"speaker":"Alan Smith","startTime":299.999,"endTime":304.139,"body":"wrapper within a wrapper, huge,"},{"speaker":"Alan Smith","startTime":304.139,"endTime":308.579,"body":"upfront, 789, 10% of initial"},{"speaker":"Alan Smith","startTime":304.139,"endTime":308.579,"body":"investments paid up front,"},{"speaker":"Alan Smith","startTime":308.579,"endTime":311.819,"body":"ongoing fees and costs, just,"},{"speaker":"Alan Smith","startTime":308.579,"endTime":311.819,"body":"you know, eye watering and"},{"speaker":"Alan Smith","startTime":312.539,"endTime":316.259,"body":"Jackie and a very small group, I"},{"speaker":"Alan Smith","startTime":312.539,"endTime":316.259,"body":"think there's not much more than"},{"speaker":"Alan Smith","startTime":316.259,"endTime":319.559,"body":"a dozen of them out there, this"},{"speaker":"Alan Smith","startTime":316.259,"endTime":319.559,"body":"kind of internal group, the old,"},{"speaker":"Alan Smith","startTime":319.559,"endTime":323.659,"body":"you know, working for similar"},{"speaker":"Alan Smith","startTime":319.559,"endTime":323.659,"body":"firms, real proper financial"},{"speaker":"Alan Smith","startTime":323.659,"endTime":327.199,"body":"planning, doing real cash flow,"},{"speaker":"Alan Smith","startTime":323.659,"endTime":327.199,"body":"you know, trying to work out"},{"speaker":"Alan Smith","startTime":327.199,"endTime":329.839,"body":"sensible investment"},{"speaker":"Alan Smith","startTime":327.199,"endTime":329.839,"body":"propositions, sensible pricing"},{"speaker":"Alan Smith","startTime":329.839,"endTime":332.539,"body":"structures, really making an"},{"speaker":"Alan Smith","startTime":329.839,"endTime":332.539,"body":"impact and adding value to the"},{"speaker":"Alan Smith","startTime":332.539,"endTime":336.499,"body":"clients, as opposed to being"},{"speaker":"Alan Smith","startTime":332.539,"endTime":336.499,"body":"these kind of industrial asset"},{"speaker":"Alan Smith","startTime":336.499,"endTime":339.559,"body":"gathering machines, which is"},{"speaker":"Alan Smith","startTime":336.499,"endTime":339.559,"body":"just, you know, ripping people"},{"speaker":"Alan Smith","startTime":339.559,"endTime":341.919,"body":"off, left, right and center,"},{"speaker":"Alan Smith","startTime":339.559,"endTime":341.919,"body":"because there's a lack of"},{"speaker":"Alan Smith","startTime":342.159,"endTime":345.519,"body":"option, an alternative. And one"},{"speaker":"Alan Smith","startTime":342.159,"endTime":345.519,"body":"thing I do want to say on a"},{"speaker":"Alan Smith","startTime":345.519,"endTime":350.799,"body":"lighter note is within their"},{"speaker":"Alan Smith","startTime":345.519,"endTime":350.799,"body":"group, and they all listen to"},{"speaker":"Alan Smith","startTime":350.799,"endTime":353.919,"body":"trap. And actually we you post"},{"speaker":"Alan Smith","startTime":350.799,"endTime":353.919,"body":"this Nick about 1am don't you"},{"speaker":"Alan Smith","startTime":353.919,"endTime":358.779,"body":"when it comes out, which turns"},{"speaker":"Alan Smith","startTime":353.919,"endTime":358.779,"body":"out is 8am 8am in Singapore. She"},{"speaker":"Alan Smith","startTime":358.779,"endTime":362.399,"body":"says, perfect. 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And she says there"},{"speaker":"Alan Smith","startTime":381.679,"endTime":384.919,"body":"is, and I want to give a shout"},{"speaker":"Alan Smith","startTime":384.919,"endTime":387.079,"body":"out to this guy who I don't"},{"speaker":"Alan Smith","startTime":384.919,"endTime":387.079,"body":"know, but there's a member of"},{"speaker":"Alan Smith","startTime":387.079,"endTime":390.619,"body":"their group of Singapore"},{"speaker":"Alan Smith","startTime":387.079,"endTime":390.619,"body":"TRAPPIST by the name of Andy."},{"speaker":"Alan Smith","startTime":391.159,"endTime":395.119,"body":"And apparently he thinks he"},{"speaker":"Alan Smith","startTime":391.159,"endTime":395.119,"body":"knows everything. 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His name is Andrew"},{"speaker":"Unknown","startTime":415.36,"endTime":417.1,"body":"Hart, Andrew."},{"speaker":"Alan Smith","startTime":420.52,"endTime":423.72,"body":"So thank you to all"},{"speaker":"Alan Smith","startTime":420.52,"endTime":423.72,"body":"the Trappists out there in"},{"speaker":"Alan Smith","startTime":423.72,"endTime":427.32,"body":"Singapore. Keep on fighting the"},{"speaker":"Alan Smith","startTime":423.72,"endTime":427.32,"body":"good fight, and we'll keep on"},{"speaker":"Alan Smith","startTime":427.32,"endTime":433.08,"body":"doing our best to give you ideas"},{"speaker":"Alan Smith","startTime":427.32,"endTime":433.08,"body":"and insights from the UK Ultra"},{"speaker":"Andy Hart","startTime":434.94,"endTime":437.16,"body":"just one point on the"},{"speaker":"Andy Hart","startTime":434.94,"endTime":437.16,"body":"Singapore market. It was"},{"speaker":"Andy Hart","startTime":438.42,"endTime":443.36,"body":"Singapore is world class in lots"},{"speaker":"Andy Hart","startTime":438.42,"endTime":443.36,"body":"of stuff, education, transport,"},{"speaker":"Andy Hart","startTime":443.84,"endTime":450.14,"body":"crime, you know, loads of other"},{"speaker":"Andy Hart","startTime":443.84,"endTime":450.14,"body":"important factors. Yeah, their"},{"speaker":"Andy Hart","startTime":450.14,"endTime":455.0,"body":"financial advice profession is"},{"speaker":"Andy Hart","startTime":450.14,"endTime":455.0,"body":"just all you hear is absolute"},{"speaker":"Andy Hart","startTime":455.0,"endTime":458.6,"body":"horror stories about it. I mean,"},{"speaker":"Andy Hart","startTime":455.0,"endTime":458.6,"body":"I thought they'd rewrite it with"},{"speaker":"Andy Hart","startTime":458.6,"endTime":461.86,"body":"a blank sheet of paper and come"},{"speaker":"Andy Hart","startTime":458.6,"endTime":461.86,"body":"up with something that could be"},{"speaker":"Andy Hart","startTime":461.86,"endTime":464.98,"body":"world class, even when it comes"},{"speaker":"Alan Smith","startTime":465.16,"endTime":466.9,"body":"to right? Because"},{"speaker":"Alan Smith","startTime":465.16,"endTime":466.9,"body":"everything else about the"},{"speaker":"Alan Smith","startTime":466.9,"endTime":469.18,"body":"country is is pretty positive,"},{"speaker":"Alan Smith","startTime":466.9,"endTime":469.18,"body":"as you say. It's like"},{"speaker":"Andy Hart","startTime":469.18,"endTime":471.1,"body":"they've just adopted"},{"speaker":"Andy Hart","startTime":469.18,"endTime":471.1,"body":"the worst practices of"},{"speaker":"Andy Hart","startTime":471.1,"endTime":473.74,"body":"everywhere and sort of combined"},{"speaker":"Andy Hart","startTime":471.1,"endTime":473.74,"body":"it together. Again. I don't know"},{"speaker":"Andy Hart","startTime":473.74,"endTime":476.2,"body":"well enough. It's all sort of"},{"speaker":"Andy Hart","startTime":473.74,"endTime":476.2,"body":"sort of new territory for me,"},{"speaker":"Andy Hart","startTime":476.2,"endTime":478.66,"body":"but I do speak to quite a few"},{"speaker":"Andy Hart","startTime":476.2,"endTime":478.66,"body":"Singapore advisors that are"},{"speaker":"Andy Hart","startTime":478.66,"endTime":480.66,"body":"using the voyant global"},{"speaker":"Alan Smith","startTime":481.2,"endTime":484.38,"body":"sort of subscribe to"},{"speaker":"Alan Smith","startTime":481.2,"endTime":484.38,"body":"your home premium as well. It's"},{"speaker":"Alan Smith","startTime":484.38,"endTime":490.26,"body":"going out there. They use your"},{"speaker":"Alan Smith","startTime":484.38,"endTime":490.26,"body":"materials out there. And, yeah,"},{"speaker":"Alan Smith","startTime":490.26,"endTime":494.04,"body":"I said the same thing to Jackie,"},{"speaker":"Alan Smith","startTime":490.26,"endTime":494.04,"body":"and she just said, it's just"},{"speaker":"Alan Smith","startTime":494.04,"endTime":496.5,"body":"tied up by the banks and the"},{"speaker":"Alan Smith","startTime":494.04,"endTime":496.5,"body":"bank. And I think there are, and"},{"speaker":"Alan Smith","startTime":496.5,"endTime":498.96,"body":"I don't want to get into the"},{"speaker":"Alan Smith","startTime":496.5,"endTime":498.96,"body":"weeds here and politics and"},{"speaker":"Alan Smith","startTime":498.96,"endTime":501.74,"body":"stuff. There's about four super"},{"speaker":"Alan Smith","startTime":498.96,"endTime":501.74,"body":"wealthy families that basically"},{"speaker":"Alan Smith","startTime":501.74,"endTime":505.22,"body":"run Singapore Chinese families,"},{"speaker":"Alan Smith","startTime":501.74,"endTime":505.22,"body":"and they all know the banks, and"},{"speaker":"Alan Smith","startTime":505.22,"endTime":508.34,"body":"there's just no way that they"},{"speaker":"Alan Smith","startTime":505.22,"endTime":508.34,"body":"are going to be changed by"},{"speaker":"Alan Smith","startTime":508.34,"endTime":511.4,"body":"government right this moment,"},{"speaker":"Alan Smith","startTime":508.34,"endTime":511.4,"body":"this must be history and legacy."},{"speaker":"Alan Smith","startTime":511.52,"endTime":513.98,"body":"And actually, I reflected on"},{"speaker":"Alan Smith","startTime":511.52,"endTime":513.98,"body":"that, and I thought, despite all"},{"speaker":"Alan Smith","startTime":513.98,"endTime":517.76,"body":"our moans and groans about our"},{"speaker":"Alan Smith","startTime":513.98,"endTime":517.76,"body":"regulator, the UK, now, I would"},{"speaker":"Alan Smith","startTime":517.76,"endTime":523.24,"body":"say is about the best regulated"},{"speaker":"Alan Smith","startTime":517.76,"endTime":523.24,"body":"retail financial services market"},{"speaker":"Alan Smith","startTime":523.24,"endTime":526.36,"body":"in the world. I can't think"},{"speaker":"Alan Smith","startTime":523.24,"endTime":526.36,"body":"another one where it's you know,"},{"speaker":"Alan Smith","startTime":526.42,"endTime":531.64,"body":"life is centric. What's client"},{"speaker":"Alan Smith","startTime":526.42,"endTime":531.64,"body":"if you think back, you know, the"},{"speaker":"Alan Smith","startTime":531.64,"endTime":534.7,"body":"influence that banks have got in"},{"speaker":"Alan Smith","startTime":531.64,"endTime":534.7,"body":"the UK is pretty significant."},{"speaker":"Alan Smith","startTime":535.06,"endTime":537.82,"body":"That the regulator and the"},{"speaker":"Alan Smith","startTime":535.06,"endTime":537.82,"body":"various iterations of regulators"},{"speaker":"Alan Smith","startTime":537.82,"endTime":543.12,"body":"have obviously fought off a huge"},{"speaker":"Alan Smith","startTime":537.82,"endTime":543.12,"body":"lobbying power from are these,"},{"speaker":"Alan Smith","startTime":543.18,"endTime":546.42,"body":"these institutions that I've got"},{"speaker":"Alan Smith","startTime":543.18,"endTime":546.42,"body":"a lot to lose from them cleaning"},{"speaker":"Alan Smith","startTime":546.42,"endTime":549.3,"body":"up their acts. So I suppose it"},{"speaker":"Alan Smith","startTime":546.42,"endTime":549.3,"body":"is credit to the FCA and their"},{"speaker":"Alan Smith","startTime":549.3,"endTime":552.72,"body":"predecessors. We have got a"},{"speaker":"Alan Smith","startTime":549.3,"endTime":552.72,"body":"better client centric market"},{"speaker":"Alan Smith","startTime":552.72,"endTime":555.18,"body":"nowadays, and listening to these"},{"speaker":"Alan Smith","startTime":552.72,"endTime":555.18,"body":"stories. And it's not just"},{"speaker":"Alan Smith","startTime":555.18,"endTime":558.0,"body":"Singapore. I mean stories coming"},{"speaker":"Alan Smith","startTime":555.18,"endTime":558.0,"body":"out in the Middle East and Dubai"},{"speaker":"Alan Smith","startTime":558.0,"endTime":561.32,"body":"and Abu Dhabi, pretty horrific,"},{"speaker":"Alan Smith","startTime":558.0,"endTime":561.32,"body":"really, but"},{"speaker":"Andy Hart","startTime":561.74,"endTime":564.74,"body":"anywhere transient"},{"speaker":"Andy Hart","startTime":561.74,"endTime":564.74,"body":"population, that's the that's"},{"speaker":"Andy Hart","startTime":564.74,"endTime":568.1,"body":"the challenge in and out. High"},{"speaker":"Andy Hart","startTime":564.74,"endTime":568.1,"body":"Commissions. Yeah, we we know,"},{"speaker":"Andy Hart","startTime":568.1,"endTime":569.66,"body":"but yeah, there's still a lot"},{"speaker":"Andy Hart","startTime":568.1,"endTime":569.66,"body":"more to do."},{"speaker":"Unknown","startTime":570.2,"endTime":570.62,"body":"Yep,"},{"speaker":"Nick Lincoln","startTime":570.68,"endTime":572.78,"body":"this is true. This"},{"speaker":"Nick Lincoln","startTime":570.68,"endTime":572.78,"body":"is true. Good points well made."},{"speaker":"Nick Lincoln","startTime":572.78,"endTime":575.18,"body":"And we are lucky that we have"},{"speaker":"Nick Lincoln","startTime":572.78,"endTime":575.18,"body":"two of our Trappists. Are two of"},{"speaker":"Nick Lincoln","startTime":575.18,"endTime":577.76,"body":"the decent guys in the overseas,"},{"speaker":"Nick Lincoln","startTime":575.18,"endTime":577.76,"body":"expat market. That's Richard"},{"speaker":"Nick Lincoln","startTime":577.76,"endTime":579.8,"body":"Holmes and, of course, Chris"},{"speaker":"Nick Lincoln","startTime":577.76,"endTime":579.8,"body":"Emmett, close friends of the"},{"speaker":"Nick Lincoln","startTime":579.8,"endTime":581.98,"body":"show. But they seem to be few"},{"speaker":"Nick Lincoln","startTime":579.8,"endTime":581.98,"body":"and far between. Okay, we've"},{"speaker":"Nick Lincoln","startTime":581.98,"endTime":584.38,"body":"managed to make the first"},{"speaker":"Nick Lincoln","startTime":581.98,"endTime":584.38,"body":"typical tip. It lasts about 10"},{"speaker":"Nick Lincoln","startTime":584.38,"endTime":590.74,"body":"minutes. Watch over to you."},{"speaker":"Nick Lincoln","startTime":584.38,"endTime":590.74,"body":"Muted watch,"},{"speaker":"Carl Widger","startTime":592.18,"endTime":596.86,"body":"oh, God, oh, god,"},{"speaker":"Carl Widger","startTime":592.18,"endTime":596.86,"body":"oh god, yeah, I just sorry. I"},{"speaker":"Carl Widger","startTime":596.86,"endTime":598.3,"body":"fell asleep there. And."},{"speaker":"Alan Smith","startTime":600.36,"endTime":602.16,"body":"So All right now"},{"speaker":"Alan Smith","startTime":600.36,"endTime":602.16,"body":"we're gonna talk about pensions."},{"speaker":"Alan Smith","startTime":602.16,"endTime":604.26,"body":"Now. Just wake us up. Yeah."},{"speaker":"Carl Widger","startTime":606.72,"endTime":609.84,"body":"So yeah, I"},{"speaker":"Carl Widger","startTime":606.72,"endTime":609.84,"body":"mentioned before that. The week"},{"speaker":"Carl Widger","startTime":609.84,"endTime":612.96,"body":"before the budget they took,"},{"speaker":"Carl Widger","startTime":609.84,"endTime":612.96,"body":"they announced that the standard"},{"speaker":"Carl Widger","startTime":612.96,"endTime":615.48,"body":"fund threshold was going to be"},{"speaker":"Carl Widger","startTime":612.96,"endTime":615.48,"body":"increased. Then the budget came"},{"speaker":"Carl Widger","startTime":615.48,"endTime":620.22,"body":"along and there was nothing"},{"speaker":"Carl Widger","startTime":615.48,"endTime":620.22,"body":"about prsas, which are these"},{"speaker":"Carl Widger","startTime":620.22,"endTime":624.74,"body":"lovely pension contracts here,"},{"speaker":"Carl Widger","startTime":620.22,"endTime":624.74,"body":"which was which were designed to"},{"speaker":"Carl Widger","startTime":624.74,"endTime":627.62,"body":"simplify pensions so that you"},{"speaker":"Carl Widger","startTime":624.74,"endTime":627.62,"body":"could put whatever you wanted"},{"speaker":"Carl Widger","startTime":627.62,"endTime":630.68,"body":"into them on a yearly basis, and"},{"speaker":"Carl Widger","startTime":627.62,"endTime":630.68,"body":"then the Finance bill comes out"},{"speaker":"Carl Widger","startTime":630.68,"endTime":635.24,"body":"a week after the budget, and"},{"speaker":"Carl Widger","startTime":630.68,"endTime":635.24,"body":"they have decided to change that"},{"speaker":"Carl Widger","startTime":635.24,"endTime":637.88,"body":"particular they're calling it a"},{"speaker":"Carl Widger","startTime":635.24,"endTime":637.88,"body":"loophole. I don't think it was a"},{"speaker":"Carl Widger","startTime":637.88,"endTime":640.48,"body":"loophole, but anyway, they said,"},{"speaker":"Carl Widger","startTime":637.88,"endTime":640.48,"body":"No longer can you pay in"},{"speaker":"Carl Widger","startTime":640.48,"endTime":643.36,"body":"whatever you want. So big"},{"speaker":"Carl Widger","startTime":640.48,"endTime":643.36,"body":"changes along the way, but"},{"speaker":"Carl Widger","startTime":643.36,"endTime":646.48,"body":"they're not closing that door"},{"speaker":"Carl Widger","startTime":643.36,"endTime":646.48,"body":"until the end of December. So as"},{"speaker":"Carl Widger","startTime":646.48,"endTime":650.14,"body":"you can imagine, happy fill your"},{"speaker":"Carl Widger","startTime":646.48,"endTime":650.14,"body":"boots. It's fill your boots"},{"speaker":"Carl Widger","startTime":650.14,"endTime":654.64,"body":"time. Here, I would just urge"},{"speaker":"Carl Widger","startTime":650.14,"endTime":654.64,"body":"caution. You know, advisors,"},{"speaker":"Carl Widger","startTime":654.88,"endTime":659.62,"body":"advising clients, you know, to"},{"speaker":"Carl Widger","startTime":654.88,"endTime":659.62,"body":"employ spouses and kids and all"},{"speaker":"Carl Widger","startTime":659.62,"endTime":662.64,"body":"that kind of stuff, that's just"},{"speaker":"Carl Widger","startTime":659.62,"endTime":662.64,"body":"a recipe for disaster. It has to"},{"speaker":"Carl Widger","startTime":662.64,"endTime":667.68,"body":"be bona fide, you know, just"},{"speaker":"Carl Widger","startTime":662.64,"endTime":667.68,"body":"play by the rules, and that way"},{"speaker":"Carl Widger","startTime":667.74,"endTime":671.16,"body":"everybody who should be allowed"},{"speaker":"Carl Widger","startTime":667.74,"endTime":671.16,"body":"do it can do it, and will will"},{"speaker":"Carl Widger","startTime":671.16,"endTime":673.02,"body":"be left alone. Sorry. Nick,"},{"speaker":"Carl Widger","startTime":671.16,"endTime":673.02,"body":"yeah,"},{"speaker":"Nick Lincoln","startTime":673.5,"endTime":675.72,"body":"no, that's fine."},{"speaker":"Nick Lincoln","startTime":673.5,"endTime":675.72,"body":"What is the limit going to be?"},{"speaker":"Carl Widger","startTime":677.46,"endTime":680.42,"body":"So we're going so"},{"speaker":"Carl Widger","startTime":677.46,"endTime":680.42,"body":"we're going back to the old"},{"speaker":"Carl Widger","startTime":680.42,"endTime":683.96,"body":"rules. So we used to have"},{"speaker":"Carl Widger","startTime":680.42,"endTime":683.96,"body":"maximum funding calculations, so"},{"speaker":"Carl Widger","startTime":683.96,"endTime":686.54,"body":"the max now that you can put in"},{"speaker":"Carl Widger","startTime":683.96,"endTime":686.54,"body":"is based on your salary, your"},{"speaker":"Carl Widger","startTime":686.54,"endTime":690.92,"body":"service and your age and all"},{"speaker":"Carl Widger","startTime":686.54,"endTime":690.92,"body":"that kind of stuff. Yeah, yeah."},{"speaker":"Carl Widger","startTime":690.92,"endTime":694.88,"body":"And, you know? And that's the"},{"speaker":"Carl Widger","startTime":690.92,"endTime":694.88,"body":"point, right? So there are some"},{"speaker":"Carl Widger","startTime":694.88,"endTime":698.36,"body":"simpler rules applying to prsas"},{"speaker":"Carl Widger","startTime":694.88,"endTime":698.36,"body":"going forward. But the point is,"},{"speaker":"Carl Widger","startTime":698.36,"endTime":702.76,"body":"look, I think the simplification"},{"speaker":"Carl Widger","startTime":698.36,"endTime":702.76,"body":"was going well. I think allowing"},{"speaker":"Carl Widger","startTime":702.76,"endTime":706.48,"body":"people to put in 2 million or"},{"speaker":"Carl Widger","startTime":702.76,"endTime":706.48,"body":"2.8 million, as it's going to be"},{"speaker":"Carl Widger","startTime":706.72,"endTime":709.6,"body":"into a PR saying, one fell"},{"speaker":"Carl Widger","startTime":706.72,"endTime":709.6,"body":"swoop, was always madness. There"},{"speaker":"Carl Widger","startTime":709.6,"endTime":712.96,"body":"should, you know, maybe limited,"},{"speaker":"Carl Widger","startTime":709.6,"endTime":712.96,"body":"and maybe you can just do it in"},{"speaker":"Carl Widger","startTime":712.96,"endTime":715.48,"body":"the last few years, or something"},{"speaker":"Carl Widger","startTime":712.96,"endTime":715.48,"body":"like that. But I think we have"},{"speaker":"Carl Widger","startTime":715.48,"endTime":719.08,"body":"regressed. And I we just had a"},{"speaker":"Carl Widger","startTime":715.48,"endTime":719.08,"body":"chat offline before we came on"},{"speaker":"Carl Widger","startTime":719.14,"endTime":721.8,"body":"today, and I think Andy said,"},{"speaker":"Carl Widger","startTime":719.14,"endTime":721.8,"body":"you know, I know you guys are"},{"speaker":"Carl Widger","startTime":721.8,"endTime":724.02,"body":"going to be talking about the"},{"speaker":"Carl Widger","startTime":721.8,"endTime":724.02,"body":"budget, and there's a lot of"},{"speaker":"Carl Widger","startTime":724.02,"endTime":727.02,"body":"people doing stuff in advance of"},{"speaker":"Carl Widger","startTime":724.02,"endTime":727.02,"body":"your budget. What we need is a,"},{"speaker":"Carl Widger","startTime":727.08,"endTime":730.62,"body":"is a is a long term pension"},{"speaker":"Carl Widger","startTime":727.08,"endTime":730.62,"body":"strategy, so they're not"},{"speaker":"Carl Widger","startTime":730.62,"endTime":733.5,"body":"changing the rules all the time,"},{"speaker":"Carl Widger","startTime":730.62,"endTime":733.5,"body":"yeah, rushing to get this done,"},{"speaker":"Carl Widger","startTime":733.5,"endTime":736.92,"body":"and doing it, and then doing"},{"speaker":"Carl Widger","startTime":733.5,"endTime":736.92,"body":"stuff that they can't reverse"},{"speaker":"Carl Widger","startTime":736.92,"endTime":739.5,"body":"out of, or they might have, you"},{"speaker":"Carl Widger","startTime":736.92,"endTime":739.5,"body":"know, done it wrong or whatever."},{"speaker":"Carl Widger","startTime":739.5,"endTime":742.88,"body":"So that's what you'd hope for."},{"speaker":"Carl Widger","startTime":739.5,"endTime":742.88,"body":"That's what you wish for. Maybe"},{"speaker":"Carl Widger","startTime":742.88,"endTime":746.78,"body":"it is coming, but it certainly"},{"speaker":"Carl Widger","startTime":742.88,"endTime":746.78,"body":"seems like we've taken a massive"},{"speaker":"Carl Widger","startTime":746.78,"endTime":750.62,"body":"step back and sure, look, it's"},{"speaker":"Carl Widger","startTime":746.78,"endTime":750.62,"body":"just open season now, from now"},{"speaker":"Carl Widger","startTime":750.62,"endTime":751.4,"body":"till Christmas."},{"speaker":"Nick Lincoln","startTime":752.42,"endTime":754.94,"body":"It's a recurring"},{"speaker":"Nick Lincoln","startTime":752.42,"endTime":754.94,"body":"theme in this country. It's a"},{"speaker":"Nick Lincoln","startTime":754.94,"endTime":758.54,"body":"recurring theme in this country"},{"speaker":"Nick Lincoln","startTime":754.94,"endTime":758.54,"body":"that you have a like a pensions"},{"speaker":"Nick Lincoln","startTime":758.54,"endTime":762.88,"body":"commission that's not"},{"speaker":"Nick Lincoln","startTime":758.54,"endTime":762.88,"body":"politically elected that stands"},{"speaker":"Nick Lincoln","startTime":762.88,"endTime":765.52,"body":"outside of the political world,"},{"speaker":"Nick Lincoln","startTime":762.88,"endTime":765.52,"body":"so and that they this, then this"},{"speaker":"Nick Lincoln","startTime":765.52,"endTime":767.8,"body":"commission, whatever you want to"},{"speaker":"Nick Lincoln","startTime":765.52,"endTime":767.8,"body":"call this Quang, I would look"},{"speaker":"Nick Lincoln","startTime":767.8,"endTime":770.08,"body":"after pension legislation,"},{"speaker":"Nick Lincoln","startTime":767.8,"endTime":770.08,"body":"because the minute, we're just"},{"speaker":"Nick Lincoln","startTime":770.08,"endTime":772.78,"body":"driven by politicians with four"},{"speaker":"Nick Lincoln","startTime":770.08,"endTime":772.78,"body":"year time timetable, that's and"},{"speaker":"Nick Lincoln","startTime":772.78,"endTime":775.24,"body":"of course, pensions are by the"},{"speaker":"Nick Lincoln","startTime":772.78,"endTime":775.24,"body":"very definition, this is long,"},{"speaker":"Nick Lincoln","startTime":775.24,"endTime":778.96,"body":"this is lifetime, this is"},{"speaker":"Nick Lincoln","startTime":775.24,"endTime":778.96,"body":"decades and decades. But they"},{"speaker":"Nick Lincoln","startTime":778.96,"endTime":781.14,"body":"get dicked around with every few"},{"speaker":"Nick Lincoln","startTime":778.96,"endTime":781.14,"body":"years by people who've got"},{"speaker":"Nick Lincoln","startTime":781.26,"endTime":783.6,"body":"understandably short term"},{"speaker":"Nick Lincoln","startTime":781.26,"endTime":783.6,"body":"horizons. They just want to"},{"speaker":"Nick Lincoln","startTime":783.6,"endTime":786.12,"body":"state. They want power. That's"},{"speaker":"Nick Lincoln","startTime":783.6,"endTime":786.12,"body":"that's the that's what drives"},{"speaker":"Nick Lincoln","startTime":786.12,"endTime":788.94,"body":"most of them. So they're limited"},{"speaker":"Nick Lincoln","startTime":786.12,"endTime":788.94,"body":"to four years. They and your"},{"speaker":"Nick Lincoln","startTime":788.94,"endTime":791.94,"body":"country, call our country. They"},{"speaker":"Nick Lincoln","startTime":788.94,"endTime":791.94,"body":"come in different parties. Dick"},{"speaker":"Nick Lincoln","startTime":791.94,"endTime":794.76,"body":"around with it. There's no long"},{"speaker":"Nick Lincoln","startTime":791.94,"endTime":794.76,"body":"term vision. There's continual"},{"speaker":"Nick Lincoln","startTime":794.76,"endTime":797.04,"body":"uncertainty. Now, in a way,"},{"speaker":"Nick Lincoln","startTime":794.76,"endTime":797.04,"body":"that's good for us as advisors,"},{"speaker":"Nick Lincoln","startTime":797.04,"endTime":799.44,"body":"because there's always a need"},{"speaker":"Nick Lincoln","startTime":797.04,"endTime":799.44,"body":"for our advice. But I don't want"},{"speaker":"Nick Lincoln","startTime":799.44,"endTime":803.12,"body":"to be earning my money in that"},{"speaker":"Nick Lincoln","startTime":799.44,"endTime":803.12,"body":"driven by that kind of, that"},{"speaker":"Nick Lincoln","startTime":803.12,"endTime":804.62,"body":"kind of environment. No, you"},{"speaker":"Carl Widger","startTime":804.62,"endTime":807.74,"body":"know, the other"},{"speaker":"Carl Widger","startTime":804.62,"endTime":807.74,"body":"thing, couldn't agree with you"},{"speaker":"Carl Widger","startTime":807.74,"endTime":811.58,"body":"more Nick, and the other thing,"},{"speaker":"Carl Widger","startTime":807.74,"endTime":811.58,"body":"it feels a lit. It feels so I'm"},{"speaker":"Carl Widger","startTime":811.58,"endTime":815.54,"body":"almost like, we're not, we're"},{"speaker":"Carl Widger","startTime":811.58,"endTime":815.54,"body":"not in sales. We're in advice,"},{"speaker":"Carl Widger","startTime":815.54,"endTime":817.76,"body":"but obviously we have to sell"},{"speaker":"Carl Widger","startTime":815.54,"endTime":817.76,"body":"them. We're not going to be"},{"speaker":"Carl Widger","startTime":817.76,"endTime":820.9,"body":"afraid of saying but what you"},{"speaker":"Carl Widger","startTime":817.76,"endTime":820.9,"body":"don't want to do is have the ick"},{"speaker":"Carl Widger","startTime":820.9,"endTime":823.66,"body":"going around to people going,"},{"speaker":"Carl Widger","startTime":820.9,"endTime":823.66,"body":"you must do this now, and"},{"speaker":"Carl Widger","startTime":823.66,"endTime":826.72,"body":"there's a deadline coming in,"},{"speaker":"Carl Widger","startTime":823.66,"endTime":826.72,"body":"because that feels salesy and it"},{"speaker":"Carl Widger","startTime":826.72,"endTime":831.4,"body":"feels horrible and feels lucky,"},{"speaker":"Carl Widger","startTime":826.72,"endTime":831.4,"body":"right? Yeah, it does. And yet we"},{"speaker":"Carl Widger","startTime":831.4,"endTime":833.98,"body":"don't do it, and we don't tell"},{"speaker":"Carl Widger","startTime":831.4,"endTime":833.98,"body":"our clients between now and"},{"speaker":"Carl Widger","startTime":833.98,"endTime":836.44,"body":"Christmas, well, then you know"},{"speaker":"Carl Widger","startTime":833.98,"endTime":836.44,"body":"they're going to come and go."},{"speaker":"Carl Widger","startTime":836.44,"endTime":839.44,"body":"Hold on a second. Why didn't you"},{"speaker":"Carl Widger","startTime":836.44,"endTime":839.44,"body":"tell me about this? So I it's"},{"speaker":"Carl Widger","startTime":839.44,"endTime":842.28,"body":"just not the way business should"},{"speaker":"Carl Widger","startTime":839.44,"endTime":842.28,"body":"be done. I would have preferred,"},{"speaker":"Carl Widger","startTime":842.58,"endTime":844.74,"body":"honestly, if they were going to"},{"speaker":"Carl Widger","startTime":842.58,"endTime":844.74,"body":"make the change, I would prefer"},{"speaker":"Carl Widger","startTime":844.74,"endTime":847.62,"body":"if they didn't make any changes."},{"speaker":"Carl Widger","startTime":844.74,"endTime":847.62,"body":"But if they did, when they were"},{"speaker":"Carl Widger","startTime":847.62,"endTime":850.8,"body":"making the changes, why didn't"},{"speaker":"Carl Widger","startTime":847.62,"endTime":850.8,"body":"they just say it's hot with a"},{"speaker":"Carl Widger","startTime":850.8,"endTime":853.2,"body":"factor from tonight? There you"},{"speaker":"Carl Widger","startTime":850.8,"endTime":853.2,"body":"go."},{"speaker":"Andy Hart","startTime":853.2,"endTime":854.04,"body":"Come back to that."},{"speaker":"Nick Lincoln","startTime":854.28,"endTime":856.62,"body":"That's actually a"},{"speaker":"Nick Lincoln","startTime":854.28,"endTime":856.62,"body":"good point. You've raised that."},{"speaker":"Nick Lincoln","startTime":856.62,"endTime":860.6,"body":"Okay, so in the past week or so,"},{"speaker":"Nick Lincoln","startTime":856.62,"endTime":860.6,"body":"the chocolate Institute of"},{"speaker":"Nick Lincoln","startTime":860.6,"endTime":863.42,"body":"Christ, Securities and"},{"speaker":"Nick Lincoln","startTime":860.6,"endTime":863.42,"body":"Investments, or sissy or Kissy,"},{"speaker":"Nick Lincoln","startTime":863.42,"endTime":867.68,"body":"however you want to pronounce"},{"speaker":"Nick Lincoln","startTime":863.42,"endTime":867.68,"body":"it, cc had its annual shindig in"},{"speaker":"Nick Lincoln","startTime":867.86,"endTime":871.04,"body":"this time in the northwest, that"},{"speaker":"Nick Lincoln","startTime":867.86,"endTime":871.04,"body":"Lancashire cricket ground in, I"},{"speaker":"Nick Lincoln","startTime":871.04,"endTime":873.92,"body":"think it's not quite in Salford,"},{"speaker":"Nick Lincoln","startTime":871.04,"endTime":873.92,"body":"Manchester and Salford cities"},{"speaker":"Nick Lincoln","startTime":873.92,"endTime":878.36,"body":"that abridge each other. And"},{"speaker":"Nick Lincoln","startTime":873.92,"endTime":878.36,"body":"three of us through the trackpad"},{"speaker":"Nick Lincoln","startTime":878.36,"endTime":881.32,"body":"went storyteller Ultra and"},{"speaker":"Nick Lincoln","startTime":878.36,"endTime":881.32,"body":"myself. Guys. Do you want to Who"},{"speaker":"Nick Lincoln","startTime":881.32,"endTime":883.66,"body":"put that point yet? Ultra Do you"},{"speaker":"Nick Lincoln","startTime":881.32,"endTime":883.66,"body":"want to lead off with your"},{"speaker":"Nick Lincoln","startTime":883.66,"endTime":884.74,"body":"views, your your thoughts?"},{"speaker":"Andy Hart","startTime":886.18,"endTime":888.64,"body":"Well, I think Alan"},{"speaker":"Andy Hart","startTime":886.18,"endTime":888.64,"body":"put it in because Alan spokes,"},{"speaker":"Andy Hart","startTime":888.64,"endTime":891.52,"body":"who wants us to give him some"},{"speaker":"Andy Hart","startTime":888.64,"endTime":891.52,"body":"glowing feedback perfectly, but"},{"speaker":"Andy Hart","startTime":891.52,"endTime":895.78,"body":"we'll get back onto that. Yeah."},{"speaker":"Andy Hart","startTime":891.52,"endTime":895.78,"body":"Lancashire Cricket Club, two"},{"speaker":"Andy Hart","startTime":895.78,"endTime":900.78,"body":"days old, traffic, great,"},{"speaker":"Andy Hart","startTime":895.78,"endTime":900.78,"body":"networking and. And did speak."},{"speaker":"Andy Hart","startTime":900.78,"endTime":904.14,"body":"He did a whole talk on AI. And I"},{"speaker":"Andy Hart","startTime":900.78,"endTime":904.14,"body":"thought was actually superb. Who"},{"speaker":"Andy Hart","startTime":904.14,"endTime":908.4,"body":"was joined by what guys this"},{"speaker":"Andy Hart","startTime":904.14,"endTime":908.4,"body":"needs to be. It was great. It"},{"speaker":"Andy Hart","startTime":908.4,"endTime":915.18,"body":"was superb. Points to mention,"},{"speaker":"Andy Hart","startTime":908.4,"endTime":915.18,"body":"yeah, the venue was okay. People"},{"speaker":"Andy Hart","startTime":915.18,"endTime":917.46,"body":"were quite confused where to go."},{"speaker":"Andy Hart","startTime":915.18,"endTime":917.46,"body":"They had three different"},{"speaker":"Andy Hart","startTime":917.46,"endTime":920.36,"body":"streams. The only thing I would"},{"speaker":"Andy Hart","startTime":917.46,"endTime":920.36,"body":"say is, again, they didn't"},{"speaker":"Andy Hart","startTime":920.36,"endTime":925.22,"body":"really treat speakers that well."},{"speaker":"Andy Hart","startTime":920.36,"endTime":925.22,"body":"I mean, there was sort of"},{"speaker":"Andy Hart","startTime":925.28,"endTime":929.42,"body":"offshoot rooms that had bad"},{"speaker":"Andy Hart","startTime":925.28,"endTime":929.42,"body":"projectors, seats, not being"},{"speaker":"Andy Hart","startTime":929.42,"endTime":932.6,"body":"able to see the screens. The AV"},{"speaker":"Andy Hart","startTime":929.42,"endTime":932.6,"body":"crews are not really on it."},{"speaker":"Andy Hart","startTime":932.6,"endTime":936.2,"body":"There wasn't water for the"},{"speaker":"Andy Hart","startTime":932.6,"endTime":936.2,"body":"speakers. I don't know they just"},{"speaker":"Andy Hart","startTime":936.26,"endTime":938.72,"body":"maybe next year, need to think"},{"speaker":"Andy Hart","startTime":936.26,"endTime":938.72,"body":"that the speakers make"},{"speaker":"Andy Hart","startTime":938.72,"endTime":941.5,"body":"everything we want them to have"},{"speaker":"Andy Hart","startTime":938.72,"endTime":941.5,"body":"everything to hand. Be as"},{"speaker":"Andy Hart","startTime":941.5,"endTime":945.82,"body":"comfortable as they can be."},{"speaker":"Andy Hart","startTime":941.5,"endTime":945.82,"body":"Thank God. Alan, I think, just"},{"speaker":"Andy Hart","startTime":945.82,"endTime":950.26,"body":"about got his whole slide deck"},{"speaker":"Andy Hart","startTime":945.82,"endTime":950.26,"body":"to the AV crew with about five"},{"speaker":"Andy Hart","startTime":950.26,"endTime":953.2,"body":"minutes to spare, because they"},{"speaker":"Andy Hart","startTime":950.26,"endTime":953.2,"body":"couldn't work on how to access a"},{"speaker":"Andy Hart","startTime":953.2,"endTime":956.68,"body":"we transfer link anyway. Apart"},{"speaker":"Andy Hart","startTime":953.2,"endTime":956.68,"body":"from that, it was superb. The"},{"speaker":"Andy Hart","startTime":956.68,"endTime":959.38,"body":"network was brilliant. We had a"},{"speaker":"Andy Hart","startTime":956.68,"endTime":959.38,"body":"late night. There was awards."},{"speaker":"Andy Hart","startTime":959.86,"endTime":964.98,"body":"Amelia, the Yeah, fifth Beatle"},{"speaker":"Andy Hart","startTime":959.86,"endTime":964.98,"body":"won an award. I think it was the"},{"speaker":"Andy Hart","startTime":964.98,"endTime":969.06,"body":"Paul essridge award, future"},{"speaker":"Andy Hart","startTime":964.98,"endTime":969.06,"body":"leader. Yes, a lot of fun and a"},{"speaker":"Andy Hart","startTime":969.06,"endTime":972.42,"body":"couple of other things. So for"},{"speaker":"Andy Hart","startTime":969.06,"endTime":972.42,"body":"me, it's always the networking,"},{"speaker":"Andy Hart","startTime":972.42,"endTime":976.62,"body":"but it's always good when the"},{"speaker":"Andy Hart","startTime":972.42,"endTime":976.62,"body":"contents brilliant as well. But"},{"speaker":"Andy Hart","startTime":976.62,"endTime":979.14,"body":"yeah, so what did you think,"},{"speaker":"Andy Hart","startTime":976.62,"endTime":979.14,"body":"Nick, you were there for about"},{"speaker":"Andy Hart","startTime":979.68,"endTime":982.04,"body":"14 minutes, I think, in the end."},{"speaker":"Andy Hart","startTime":979.68,"endTime":982.04,"body":"So how did you find it?"},{"speaker":"Nick Lincoln","startTime":983.72,"endTime":989.06,"body":"Yeah, yeah, right."},{"speaker":"Nick Lincoln","startTime":983.72,"endTime":989.06,"body":"I think, I think it was well"},{"speaker":"Nick Lincoln","startTime":989.06,"endTime":992.96,"body":"organized. And I want to shout"},{"speaker":"Nick Lincoln","startTime":989.06,"endTime":992.96,"body":"out to Sally plant of the CIS I"},{"speaker":"Nick Lincoln","startTime":992.96,"endTime":996.44,"body":"who kind of is, I think it's the"},{"speaker":"Nick Lincoln","startTime":992.96,"endTime":996.44,"body":"one that's running the things,"},{"speaker":"Nick Lincoln","startTime":996.44,"endTime":999.2,"body":"and she helped me out the day as"},{"speaker":"Nick Lincoln","startTime":996.44,"endTime":999.2,"body":"well. So the thanks for that. I"},{"speaker":"Nick Lincoln","startTime":999.2,"endTime":1001.36,"body":"thought the content was very"},{"speaker":"Nick Lincoln","startTime":999.2,"endTime":1001.36,"body":"patchy. I better be honest. I"},{"speaker":"Nick Lincoln","startTime":1001.36,"endTime":1003.42,"body":"think all of it is still not"},{"speaker":"Nick Lincoln","startTime":1001.36,"endTime":1003.42,"body":"that great. I thought the"},{"speaker":"Nick Lincoln","startTime":1003.42,"endTime":1006.12,"body":"keynote speakers by the two"},{"speaker":"Nick Lincoln","startTime":1003.42,"endTime":1006.12,"body":"ladies were on the first day,"},{"speaker":"Nick Lincoln","startTime":1006.12,"endTime":1010.44,"body":"were very good. Samantha Russell"},{"speaker":"Nick Lincoln","startTime":1006.12,"endTime":1010.44,"body":"was the the later one. Obviously"},{"speaker":"Nick Lincoln","startTime":1010.44,"endTime":1013.2,"body":"she's been a the six people or"},{"speaker":"Nick Lincoln","startTime":1010.44,"endTime":1013.2,"body":"six Beatles. Well, she was"},{"speaker":"Nick Lincoln","startTime":1013.2,"endTime":1016.26,"body":"excellent, as was as was the"},{"speaker":"Nick Lincoln","startTime":1013.2,"endTime":1016.26,"body":"lady who spoke in the middle of"},{"speaker":"Nick Lincoln","startTime":1016.26,"endTime":1019.56,"body":"the day. But apart from that, it"},{"speaker":"Nick Lincoln","startTime":1016.26,"endTime":1019.56,"body":"was it was it was okay. It was"},{"speaker":"Nick Lincoln","startTime":1019.56,"endTime":1022.1,"body":"okay. Nothing more than that."},{"speaker":"Nick Lincoln","startTime":1019.56,"endTime":1022.1,"body":"And you say the first two things"},{"speaker":"Nick Lincoln","startTime":1022.1,"endTime":1024.26,"body":"I went into I couldn't, I"},{"speaker":"Nick Lincoln","startTime":1022.1,"endTime":1024.26,"body":"couldn't read the slides, and I"},{"speaker":"Nick Lincoln","startTime":1024.26,"endTime":1026.12,"body":"couldn't really hear what they"},{"speaker":"Nick Lincoln","startTime":1024.26,"endTime":1026.12,"body":"were saying. I just thought,"},{"speaker":"Nick Lincoln","startTime":1026.12,"endTime":1029.12,"body":"Okay, I'm not bothering. If you"},{"speaker":"Nick Lincoln","startTime":1026.12,"endTime":1029.12,"body":"haven't bothered to to pay"},{"speaker":"Nick Lincoln","startTime":1029.12,"endTime":1031.52,"body":"respect to the speaker and your"},{"speaker":"Nick Lincoln","startTime":1029.12,"endTime":1031.52,"body":"audience, I'm not going to"},{"speaker":"Nick Lincoln","startTime":1031.52,"endTime":1033.74,"body":"strain at the back trying to"},{"speaker":"Nick Lincoln","startTime":1031.52,"endTime":1033.74,"body":"read slides that I can't, you"},{"speaker":"Nick Lincoln","startTime":1033.74,"endTime":1038.06,"body":"know. So that is disappointing."},{"speaker":"Nick Lincoln","startTime":1033.74,"endTime":1038.06,"body":"There we go. Smith, what do you"},{"speaker":"Nick Lincoln","startTime":1038.06,"endTime":1038.3,"body":"think?"},{"speaker":"Andy Hart","startTime":1040.099,"endTime":1043.179,"body":"Yeah, and speaker"},{"speaker":"Andy Hart","startTime":1040.099,"endTime":1043.179,"body":"guys, yeah,"},{"speaker":"Alan Smith","startTime":1043.18,"endTime":1046.78,"body":"I'd echo what you"},{"speaker":"Alan Smith","startTime":1043.18,"endTime":1046.78,"body":"guys have said thus far. No, we"},{"speaker":"Alan Smith","startTime":1046.78,"endTime":1049.96,"body":"don't want to criticize it as"},{"speaker":"Alan Smith","startTime":1046.78,"endTime":1049.96,"body":"well as Andy knows more than any"},{"speaker":"Alan Smith","startTime":1049.96,"endTime":1052.54,"body":"of us. It's really difficult"},{"speaker":"Alan Smith","startTime":1049.96,"endTime":1052.54,"body":"putting on an event, an event"},{"speaker":"Alan Smith","startTime":1052.54,"endTime":1055.84,"body":"over two days at that I don't"},{"speaker":"Alan Smith","startTime":1052.54,"endTime":1055.84,"body":"think the venue was particularly"},{"speaker":"Alan Smith","startTime":1055.84,"endTime":1058.36,"body":"good, Old Trafford cricket"},{"speaker":"Alan Smith","startTime":1055.84,"endTime":1058.36,"body":"ground, the conference center"},{"speaker":"Alan Smith","startTime":1058.36,"endTime":1061.8,"body":"there, the the rooms were pretty"},{"speaker":"Alan Smith","startTime":1058.36,"endTime":1061.8,"body":"well spaced out. The what the"},{"speaker":"Alan Smith","startTime":1061.8,"endTime":1064.8,"body":"room that I spoke in called the"},{"speaker":"Alan Smith","startTime":1061.8,"endTime":1064.8,"body":"members room, was kind of miles"},{"speaker":"Alan Smith","startTime":1064.8,"endTime":1067.68,"body":"away from everything else, and"},{"speaker":"Alan Smith","startTime":1064.8,"endTime":1067.68,"body":"there was just a bit of"},{"speaker":"Alan Smith","startTime":1067.68,"endTime":1071.82,"body":"logistical challenges in that. I"},{"speaker":"Alan Smith","startTime":1067.68,"endTime":1071.82,"body":"was in a I was sitting in"},{"speaker":"Alan Smith","startTime":1071.82,"endTime":1075.66,"body":"watching a talk with Oliver"},{"speaker":"Alan Smith","startTime":1071.82,"endTime":1075.66,"body":"Burke, which was, you know,"},{"speaker":"Alan Smith","startTime":1075.72,"endTime":1079.14,"body":"really good, but he was plagued"},{"speaker":"Alan Smith","startTime":1075.72,"endTime":1079.14,"body":"by tech issues. He lost about a"},{"speaker":"Alan Smith","startTime":1079.14,"endTime":1081.98,"body":"third of his talk. I think,"},{"speaker":"Alan Smith","startTime":1079.14,"endTime":1081.98,"body":"obviously we didn't get to see"},{"speaker":"Alan Smith","startTime":1081.98,"endTime":1085.34,"body":"is, I don't know what it was,"},{"speaker":"Alan Smith","startTime":1081.98,"endTime":1085.34,"body":"and then I apologize to him, and"},{"speaker":"Alan Smith","startTime":1085.34,"endTime":1089.18,"body":"I said, I have to, because it"},{"speaker":"Alan Smith","startTime":1085.34,"endTime":1089.18,"body":"was just before Nick Murray was"},{"speaker":"Alan Smith","startTime":1089.18,"endTime":1093.62,"body":"coming on and looking at the"},{"speaker":"Alan Smith","startTime":1089.18,"endTime":1093.62,"body":"agenda again. It was like, you"},{"speaker":"Alan Smith","startTime":1093.62,"endTime":1096.62,"body":"know, Oliver finishes. I can't"},{"speaker":"Alan Smith","startTime":1093.62,"endTime":1096.62,"body":"remember exactly, let's say"},{"speaker":"1","startTime":1096.62,"endTime":1101.74,"body":"40pm Nick Murray starts,"},{"speaker":"1","startTime":1096.62,"endTime":1101.74,"body":"1:40pm so I thought, well, the"},{"speaker":"1","startTime":1101.74,"endTime":1104.86,"body":"time I get across there, I'm"},{"speaker":"1","startTime":1101.74,"endTime":1104.86,"body":"going to miss the legend that is"},{"speaker":"1","startTime":1104.92,"endTime":1108.28,"body":"Mr. Nick Murray. So I sort of"},{"speaker":"1","startTime":1104.92,"endTime":1108.28,"body":"bowed out and and are you with"},{"speaker":"1","startTime":1108.28,"endTime":1111.52,"body":"me when you were you? No, you"},{"speaker":"1","startTime":1108.28,"endTime":1111.52,"body":"weren't. So it was, yeah, and he"},{"speaker":"1","startTime":1111.52,"endTime":1115.36,"body":"got it was Justin King. Shout"},{"speaker":"1","startTime":1111.52,"endTime":1115.36,"body":"out to Justin King, big"},{"speaker":"1","startTime":1115.36,"endTime":1117.76,"body":"Trappist. He's, you know,"},{"speaker":"1","startTime":1115.36,"endTime":1117.76,"body":"legendary, loves spending time"},{"speaker":"1","startTime":1117.76,"endTime":1120.18,"body":"with with Justin. But then we"},{"speaker":"1","startTime":1117.76,"endTime":1120.18,"body":"got across, and I don't"},{"speaker":"1","startTime":1120.18,"endTime":1122.7,"body":"understand, because Nick Murray"},{"speaker":"1","startTime":1120.18,"endTime":1122.7,"body":"was billed for, I think, an"},{"speaker":"1","startTime":1122.7,"endTime":1126.66,"body":"hour, and I doubt if he was on"},{"speaker":"1","startTime":1122.7,"endTime":1126.66,"body":"as far as half an hour, 25"},{"speaker":"1","startTime":1126.9,"endTime":1131.16,"body":"minutes, yeah, and it looked"},{"speaker":"1","startTime":1126.9,"endTime":1131.16,"body":"like it was pre 25 minutes. We"},{"speaker":"1","startTime":1131.16,"endTime":1133.92,"body":"are, we're nitpicking here."},{"speaker":"1","startTime":1131.16,"endTime":1133.92,"body":"Somewhat. It was good. As"},{"speaker":"1","startTime":1133.92,"endTime":1136.68,"body":"always, these events, they are"},{"speaker":"1","startTime":1133.92,"endTime":1136.68,"body":"about, you know, around the"},{"speaker":"1","startTime":1136.68,"endTime":1137.94,"body":"proverbial water cooler,"},{"speaker":"Andy Hart","startTime":1138.0,"endTime":1140.6,"body":"or more like, more"},{"speaker":"Andy Hart","startTime":1138.0,"endTime":1140.6,"body":"like the bar. Yeah, good"},{"speaker":"Andy Hart","startTime":1140.6,"endTime":1141.62,"body":"conversation."},{"speaker":"Alan Smith","startTime":1142.819,"endTime":1145.219,"body":"Shout out also to"},{"speaker":"Alan Smith","startTime":1142.819,"endTime":1145.219,"body":"Jackie, Amelia, his mom, she was"},{"speaker":"Alan Smith","startTime":1145.219,"endTime":1148.219,"body":"there. She's a load of fun. And,"},{"speaker":"Alan Smith","startTime":1145.219,"endTime":1148.219,"body":"you know, there's a good"},{"speaker":"Alan Smith","startTime":1148.219,"endTime":1150.619,"body":"community of people that just"},{"speaker":"Alan Smith","startTime":1148.219,"endTime":1150.619,"body":"sort of, you know, don't take"},{"speaker":"Alan Smith","startTime":1150.919,"endTime":1154.759,"body":"each other too seriously. Love"},{"speaker":"Alan Smith","startTime":1150.919,"endTime":1154.759,"body":"to swap ideas, share, you know,"},{"speaker":"Alan Smith","startTime":1154.819,"endTime":1157.159,"body":"whatever we're working on, what"},{"speaker":"Alan Smith","startTime":1154.819,"endTime":1157.159,"body":"we're thinking about. So it was"},{"speaker":"Alan Smith","startTime":1157.159,"endTime":1160.539,"body":"wonderful from that viewpoint."},{"speaker":"Alan Smith","startTime":1157.159,"endTime":1160.539,"body":"Yeah, I gave a talk. It was a"},{"speaker":"Alan Smith","startTime":1160.539,"endTime":1163.599,"body":"bit nerve wracking, because"},{"speaker":"Alan Smith","startTime":1160.539,"endTime":1163.599,"body":"minutes before it was due to"},{"speaker":"Alan Smith","startTime":1163.599,"endTime":1167.439,"body":"start, they hadn't got my"},{"speaker":"Alan Smith","startTime":1163.599,"endTime":1167.439,"body":"slides. But we, you know, we"},{"speaker":"Alan Smith","startTime":1167.439,"endTime":1170.919,"body":"managed to solve it in the nick"},{"speaker":"Alan Smith","startTime":1167.439,"endTime":1170.919,"body":"of time, but it doesn't set you"},{"speaker":"Alan Smith","startTime":1170.919,"endTime":1174.099,"body":"up brilliantly to speaking in"},{"speaker":"Alan Smith","startTime":1170.919,"endTime":1174.099,"body":"front of however many of your"},{"speaker":"Alan Smith","startTime":1174.099,"endTime":1177.039,"body":"peers minutes before you think,"},{"speaker":"Alan Smith","startTime":1174.099,"endTime":1177.039,"body":"I haven't even got a"},{"speaker":"Alan Smith","startTime":1177.039,"endTime":1180.659,"body":"presentation to share with you."},{"speaker":"Alan Smith","startTime":1177.039,"endTime":1180.659,"body":"So those are the hopefully, as"},{"speaker":"Alan Smith","startTime":1180.659,"endTime":1183.839,"body":"you say, they'll learn from"},{"speaker":"Alan Smith","startTime":1180.659,"endTime":1183.839,"body":"this, and it'll be a slightly"},{"speaker":"Alan Smith","startTime":1183.839,"endTime":1185.519,"body":"better event for next year, but"},{"speaker":"Andy Hart","startTime":1186.48,"endTime":1189.36,"body":"staggering someone of"},{"speaker":"Andy Hart","startTime":1186.48,"endTime":1189.36,"body":"your class being in the smaller"},{"speaker":"Andy Hart","startTime":1189.36,"endTime":1192.18,"body":"room around the back, I thought"},{"speaker":"Andy Hart","startTime":1189.36,"endTime":1192.18,"body":"you'd be on the main stage,"},{"speaker":"Andy Hart","startTime":1192.18,"endTime":1193.2,"body":"Alan, or is that that's,"},{"speaker":"Alan Smith","startTime":1193.74,"endTime":1195.36,"body":"that's what I"},{"speaker":"Alan Smith","startTime":1193.74,"endTime":1195.36,"body":"thought as well. But down to the"},{"speaker":"Alan Smith","startTime":1195.36,"endTime":1196.5,"body":"organizers, I think they read,"},{"speaker":"Nick Lincoln","startTime":1196.5,"endTime":1198.12,"body":"I think they read"},{"speaker":"Nick Lincoln","startTime":1196.5,"endTime":1198.12,"body":"the room. Well, I think let's"},{"speaker":"Nick Lincoln","startTime":1198.12,"endTime":1200.96,"body":"put, let's put specifically in"},{"speaker":"Nick Lincoln","startTime":1198.12,"endTime":1200.96,"body":"the furthest. Room. Hard to get"},{"speaker":"Andy Hart","startTime":1201.44,"endTime":1206.96,"body":"to room was people,"},{"speaker":"Andy Hart","startTime":1201.44,"endTime":1206.96,"body":"people spilling out the back. I"},{"speaker":"Andy Hart","startTime":1206.96,"endTime":1209.72,"body":"sent him some wonderful pictures"},{"speaker":"Andy Hart","startTime":1206.96,"endTime":1209.72,"body":"after that. He was very thankful"},{"speaker":"Andy Hart","startTime":1209.72,"endTime":1212.12,"body":"for that. You posted him over"},{"speaker":"Andy Hart","startTime":1209.72,"endTime":1212.12,"body":"LinkedIn. Obviously, we"},{"speaker":"Nick Lincoln","startTime":1212.12,"endTime":1214.04,"body":"got to move on."},{"speaker":"Nick Lincoln","startTime":1212.12,"endTime":1214.04,"body":"But just to say thank you to all"},{"speaker":"Nick Lincoln","startTime":1214.04,"endTime":1216.56,"body":"the Trappists that came up to"},{"speaker":"Nick Lincoln","startTime":1214.04,"endTime":1216.56,"body":"the three of us and just told us"},{"speaker":"Nick Lincoln","startTime":1216.68,"endTime":1219.08,"body":"their stories about listening to"},{"speaker":"Nick Lincoln","startTime":1216.68,"endTime":1219.08,"body":"the show how much they enjoy it."},{"speaker":"Nick Lincoln","startTime":1219.08,"endTime":1219.44,"body":"We"},{"speaker":"Carl Widger","startTime":1219.74,"endTime":1221.86,"body":"I'd like to say"},{"speaker":"Carl Widger","startTime":1219.74,"endTime":1221.86,"body":"thanks for all the thanks for"},{"speaker":"Carl Widger","startTime":1221.86,"endTime":1225.16,"body":"all the updates along the two"},{"speaker":"Carl Widger","startTime":1221.86,"endTime":1225.16,"body":"days, especially the very late"},{"speaker":"Carl Widger","startTime":1225.16,"endTime":1227.92,"body":"at night. Ones that were they"},{"speaker":"Carl Widger","startTime":1225.16,"endTime":1227.92,"body":"were brilliant guys. Thanks,"},{"speaker":"Carl Widger","startTime":1227.92,"endTime":1228.58,"body":"pretty soon, right?"},{"speaker":"Nick Lincoln","startTime":1228.639,"endTime":1230.439,"body":"Glad you enjoyed"},{"speaker":"Nick Lincoln","startTime":1228.639,"endTime":1230.439,"body":"them. Watch. Glad you enjoyed"},{"speaker":"Nick Lincoln","startTime":1230.439,"endTime":1230.979,"body":"them. Okay,"},{"speaker":"Alan Smith","startTime":1231.22,"endTime":1232.9,"body":"they were right"},{"speaker":"Nick Lincoln","startTime":1232.9,"endTime":1234.28,"body":"now this now,"},{"speaker":"Nick Lincoln","startTime":1232.9,"endTime":1234.28,"body":"there's a word here, Alan. I"},{"speaker":"Nick Lincoln","startTime":1234.28,"endTime":1236.86,"body":"want you just to internalize"},{"speaker":"Nick Lincoln","startTime":1234.28,"endTime":1236.86,"body":"this and just chew on it and"},{"speaker":"Nick Lincoln","startTime":1236.86,"endTime":1237.94,"body":"enjoy it. Brief,"},{"speaker":"Alan Smith","startTime":1270.079,"endTime":1274.719,"body":"yeah, I posted it a"},{"speaker":"Alan Smith","startTime":1270.079,"endTime":1274.719,"body":"brief This is not a story. It is"},{"speaker":"Alan Smith","startTime":1274.719,"endTime":1277.839,"body":"a story, but it's hopefully this"},{"speaker":"Alan Smith","startTime":1274.719,"endTime":1277.839,"body":"is a two minute story. I just"},{"speaker":"Alan Smith","startTime":1277.839,"endTime":1280.359,"body":"wanted to share this just as"},{"speaker":"Alan Smith","startTime":1277.839,"endTime":1280.359,"body":"quickly. No, is this? Listen,"},{"speaker":"Alan Smith","startTime":1280.779,"endTime":1283.719,"body":"this is a series. This is"},{"speaker":"Alan Smith","startTime":1280.779,"endTime":1283.719,"body":"serious. This is serious. This"},{"speaker":"Alan Smith","startTime":1283.719,"endTime":1287.799,"body":"is hot off the press. I've just"},{"speaker":"Alan Smith","startTime":1283.719,"endTime":1287.799,"body":"come off a cold, literally an"},{"speaker":"Alan Smith","startTime":1287.799,"endTime":1291.839,"body":"hour ago, with a prospective"},{"speaker":"Alan Smith","startTime":1287.799,"endTime":1291.839,"body":"client. Now. This is a client"},{"speaker":"Alan Smith","startTime":1291.839,"endTime":1295.079,"body":"that is literally in the"},{"speaker":"Alan Smith","startTime":1291.839,"endTime":1295.079,"body":"proceeds of selling his"},{"speaker":"Alan Smith","startTime":1295.079,"endTime":1298.9189999999999,"body":"business, and it's a significant"},{"speaker":"Alan Smith","startTime":1295.079,"endTime":1298.9189999999999,"body":"business, and he will exit for a"},{"speaker":"Alan Smith","startTime":1299.1589999999999,"endTime":1302.339,"body":"working nine figure, some"},{"speaker":"Alan Smith","startTime":1299.1589999999999,"endTime":1302.339,"body":"significant nine figure sum, so"},{"speaker":"Alan Smith","startTime":1302.639,"endTime":1306.119,"body":"north of 100 million pounds. And"},{"speaker":"Alan Smith","startTime":1302.639,"endTime":1306.119,"body":"we've been chatting to him for"},{"speaker":"Alan Smith","startTime":1306.119,"endTime":1309.899,"body":"quite a while, and he just said,"},{"speaker":"Alan Smith","startTime":1306.119,"endTime":1309.899,"body":"Look, are you free for a quick"},{"speaker":"Alan Smith","startTime":1309.899,"endTime":1312.319,"body":"call? He said, I got on the call"},{"speaker":"Alan Smith","startTime":1309.899,"endTime":1312.319,"body":"with him. Now he said that we're"},{"speaker":"Alan Smith","startTime":1312.319,"endTime":1315.9189999999999,"body":"going ahead all systems go, but"},{"speaker":"Alan Smith","startTime":1312.319,"endTime":1315.9189999999999,"body":"just so you know, before I exit,"},{"speaker":"Alan Smith","startTime":1315.979,"endTime":1318.979,"body":"all this news, this is a pre"},{"speaker":"Alan Smith","startTime":1315.979,"endTime":1318.979,"body":"budget story. All this news is"},{"speaker":"Alan Smith","startTime":1318.979,"endTime":1321.799,"body":"coming down. I'm not taking a"},{"speaker":"Alan Smith","startTime":1318.979,"endTime":1321.799,"body":"risk. I was okay about paying"},{"speaker":"Alan Smith","startTime":1321.799,"endTime":1325.099,"body":"20% Well, begrudgingly, was"},{"speaker":"Alan Smith","startTime":1321.799,"endTime":1325.099,"body":"going to pay 20% in capital"},{"speaker":"Alan Smith","startTime":1325.099,"endTime":1330.399,"body":"gains tax that. But this"},{"speaker":"Alan Smith","startTime":1325.099,"endTime":1330.399,"body":"potential rise to 39 or whatever"},{"speaker":"Alan Smith","startTime":1330.399,"endTime":1332.799,"body":"it is, just got me thinking."},{"speaker":"Alan Smith","startTime":1330.399,"endTime":1332.799,"body":"I've spoken and he's got a, you"},{"speaker":"Alan Smith","startTime":1332.799,"endTime":1335.499,"body":"know, one of the top firms of"},{"speaker":"Alan Smith","startTime":1332.799,"endTime":1335.499,"body":"accountants that he works with,"},{"speaker":"Alan Smith","startTime":1335.499,"endTime":1339.459,"body":"spoken with them. I've now made"},{"speaker":"Alan Smith","startTime":1335.499,"endTime":1339.459,"body":"a decision. I've decided me and"},{"speaker":"Alan Smith","startTime":1339.459,"endTime":1342.219,"body":"the family, we're relocating."},{"speaker":"Alan Smith","startTime":1339.459,"endTime":1342.219,"body":"We're going to, I won't mention"},{"speaker":"Alan Smith","startTime":1342.219,"endTime":1345.699,"body":"the place, but they're going"},{"speaker":"Alan Smith","startTime":1342.219,"endTime":1345.699,"body":"overseas, pre sale of the"},{"speaker":"Alan Smith","startTime":1345.699,"endTime":1350.339,"body":"business. And I just, and so"},{"speaker":"Alan Smith","startTime":1345.699,"endTime":1350.339,"body":"even at 20% you know, there's"},{"speaker":"Alan Smith","startTime":1350.339,"endTime":1354.779,"body":"10s of millions of pounds that"},{"speaker":"Alan Smith","startTime":1350.339,"endTime":1354.779,"body":"HMRC are now definitely going to"},{"speaker":"Alan Smith","startTime":1354.779,"endTime":1358.619,"body":"lose out on as a result of this"},{"speaker":"Alan Smith","startTime":1354.779,"endTime":1358.619,"body":"one person's decision. And this"},{"speaker":"Alan Smith","startTime":1358.619,"endTime":1360.959,"body":"is and he's just, and he was"},{"speaker":"Alan Smith","startTime":1358.619,"endTime":1360.959,"body":"saying to me, said, everybody"},{"speaker":"Alan Smith","startTime":1360.959,"endTime":1363.239,"body":"said, I mean, various founder"},{"speaker":"Alan Smith","startTime":1360.959,"endTime":1363.239,"body":"entrepreneur networks and"},{"speaker":"Alan Smith","startTime":1363.239,"endTime":1365.339,"body":"groups, we're all buzzing. And"},{"speaker":"Alan Smith","startTime":1363.239,"endTime":1365.339,"body":"WhatsApp groups, we're buzzing."},{"speaker":"Alan Smith","startTime":1365.639,"endTime":1368.519,"body":"And almost everyone, without"},{"speaker":"Alan Smith","startTime":1365.639,"endTime":1368.519,"body":"exception, is either making"},{"speaker":"Alan Smith","startTime":1368.519,"endTime":1371.339,"body":"plans or or at least talking"},{"speaker":"Alan Smith","startTime":1368.519,"endTime":1371.339,"body":"about it and investigating,"},{"speaker":"Alan Smith","startTime":1371.339,"endTime":1373.339,"body":"depending on where they are on"},{"speaker":"Alan Smith","startTime":1371.339,"endTime":1373.339,"body":"their business. Are on their"},{"speaker":"Alan Smith","startTime":1373.339,"endTime":1376.1589999999999,"body":"business journey. And I was"},{"speaker":"Alan Smith","startTime":1373.339,"endTime":1376.1589999999999,"body":"thinking, Man, what a freaking,"},{"speaker":"Alan Smith","startTime":1376.219,"endTime":1379.579,"body":"you know, own goal, a PR"},{"speaker":"Alan Smith","startTime":1376.219,"endTime":1379.579,"body":"disaster, whatever happens, even"},{"speaker":"Alan Smith","startTime":1379.579,"endTime":1381.979,"body":"if there's no change, whether or"},{"speaker":"Alan Smith","startTime":1379.579,"endTime":1381.979,"body":"not or people have just said,"},{"speaker":"Alan Smith","startTime":1381.979,"endTime":1384.979,"body":"Look, I just don't trust, I"},{"speaker":"Alan Smith","startTime":1381.979,"endTime":1384.979,"body":"don't trust these people to make"},{"speaker":"Alan Smith","startTime":1384.979,"endTime":1387.799,"body":"decisions that are going to be"},{"speaker":"Alan Smith","startTime":1384.979,"endTime":1387.799,"body":"even remotely not in my favor,"},{"speaker":"Alan Smith","startTime":1387.799,"endTime":1390.379,"body":"but even neutral. And so that I"},{"speaker":"Alan Smith","startTime":1387.799,"endTime":1390.379,"body":"just want to share that as one"},{"speaker":"Alan Smith","startTime":1390.379,"endTime":1392.599,"body":"real life example. And by the"},{"speaker":"Alan Smith","startTime":1390.379,"endTime":1392.599,"body":"way, obviously I haven't"},{"speaker":"Alan Smith","startTime":1392.599,"endTime":1394.899,"body":"mentioned haven't mentioned his"},{"speaker":"Alan Smith","startTime":1392.599,"endTime":1394.899,"body":"name, but he did say, he said,"},{"speaker":"Alan Smith","startTime":1394.899,"endTime":1397.299,"body":"I'm happy for you to share that,"},{"speaker":"Alan Smith","startTime":1394.899,"endTime":1397.299,"body":"just to sort of spread the word"},{"speaker":"Alan Smith","startTime":1397.299,"endTime":1400.1789999999999,"body":"around, because people, you"},{"speaker":"Alan Smith","startTime":1397.299,"endTime":1400.1789999999999,"body":"know, government, needs to know"},{"speaker":"Alan Smith","startTime":1400.1789999999999,"endTime":1403.359,"body":"that people are literally making"},{"speaker":"Alan Smith","startTime":1400.1789999999999,"endTime":1403.359,"body":"material decisions, which is"},{"speaker":"Alan Smith","startTime":1403.359,"endTime":1407.619,"body":"going to deny the Treasury and"},{"speaker":"Alan Smith","startTime":1403.359,"endTime":1407.619,"body":"HMRC of much needed funds"},{"speaker":"Alan Smith","startTime":1407.799,"endTime":1411.119,"body":"because of this ineptitude. Any"},{"speaker":"Alan Smith","startTime":1407.799,"endTime":1411.119,"body":"thoughts on that?"},{"speaker":"Nick Lincoln","startTime":1413.579,"endTime":1415.619,"body":"I think, I think"},{"speaker":"Nick Lincoln","startTime":1413.579,"endTime":1415.619,"body":"we're all in broad agreement."},{"speaker":"Nick Lincoln","startTime":1415.619,"endTime":1417.6589999999999,"body":"There's talk, the rumors,"},{"speaker":"Nick Lincoln","startTime":1415.619,"endTime":1417.6589999999999,"body":"they're going to get rid of"},{"speaker":"Nick Lincoln","startTime":1417.6589999999999,"endTime":1421.139,"body":"entrepreneurial outright, aren't"},{"speaker":"Nick Lincoln","startTime":1417.6589999999999,"endTime":1421.139,"body":"they? You know, it's just, it's"},{"speaker":"Nick Lincoln","startTime":1421.139,"endTime":1424.019,"body":"that. It's not, it's not just,"},{"speaker":"Nick Lincoln","startTime":1421.139,"endTime":1424.019,"body":"it's not just the stupidity."},{"speaker":"Nick Lincoln","startTime":1424.019,"endTime":1426.359,"body":"That's the it's the message it"},{"speaker":"Nick Lincoln","startTime":1424.019,"endTime":1426.359,"body":"sends out. It's just, like,"},{"speaker":"Nick Lincoln","startTime":1426.4189999999999,"endTime":1429.119,"body":"just, I don't get it. I just"},{"speaker":"Nick Lincoln","startTime":1426.4189999999999,"endTime":1429.119,"body":"don't, I don't see how they, how"},{"speaker":"Nick Lincoln","startTime":1429.119,"endTime":1431.1589999999999,"body":"they the politicians. Can't see"},{"speaker":"Nick Lincoln","startTime":1429.119,"endTime":1431.1589999999999,"body":"that you have to have an"},{"speaker":"Nick Lincoln","startTime":1431.1589999999999,"endTime":1434.4189999999999,"body":"entrepreneurial, flourishing,"},{"speaker":"Nick Lincoln","startTime":1431.1589999999999,"endTime":1434.4189999999999,"body":"entrepreneurial sector in your"},{"speaker":"Nick Lincoln","startTime":1434.4189999999999,"endTime":1436.999,"body":"economy, because, you know, all"},{"speaker":"Nick Lincoln","startTime":1434.4189999999999,"endTime":1436.999,"body":"these massive Glaxo Smith"},{"speaker":"Nick Lincoln","startTime":1436.999,"endTime":1439.219,"body":"clients were once an idea, you"},{"speaker":"Nick Lincoln","startTime":1436.999,"endTime":1439.219,"body":"know, these the Marks and"},{"speaker":"Nick Lincoln","startTime":1439.219,"endTime":1441.6789999999999,"body":"Spencers, whatever, whatever,"},{"speaker":"Nick Lincoln","startTime":1439.219,"endTime":1441.6789999999999,"body":"big brand Lloyds Bank, that was"},{"speaker":"Nick Lincoln","startTime":1441.6789999999999,"endTime":1443.899,"body":"once an idea, you know, and it"},{"speaker":"Nick Lincoln","startTime":1441.6789999999999,"endTime":1443.899,"body":"was, it would have been a tiny"},{"speaker":"Nick Lincoln","startTime":1443.899,"endTime":1446.359,"body":"acorn. And these acorns grow"},{"speaker":"Nick Lincoln","startTime":1443.899,"endTime":1446.359,"body":"into trip. A lot of the lot of"},{"speaker":"Nick Lincoln","startTime":1446.359,"endTime":1448.999,"body":"the acorns won't grow, but some"},{"speaker":"Nick Lincoln","startTime":1446.359,"endTime":1448.999,"body":"of them will grow into the"},{"speaker":"Nick Lincoln","startTime":1448.999,"endTime":1451.219,"body":"mighty tree trees. But if you're"},{"speaker":"Nick Lincoln","startTime":1448.999,"endTime":1451.219,"body":"not playing for the acorns"},{"speaker":"Nick Lincoln","startTime":1451.219,"endTime":1453.879,"body":"aren't being planted, you ain't"},{"speaker":"Nick Lincoln","startTime":1451.219,"endTime":1453.879,"body":"gonna have an economy in 3040,"},{"speaker":"Nick Lincoln","startTime":1454.1789999999999,"endTime":1456.519,"body":"years. You're just not. And then"},{"speaker":"Nick Lincoln","startTime":1454.1789999999999,"endTime":1456.519,"body":"what? Then how you're gonna fund"},{"speaker":"Nick Lincoln","startTime":1456.519,"endTime":1459.579,"body":"your little pet projects and"},{"speaker":"Nick Lincoln","startTime":1456.519,"endTime":1459.579,"body":"your your causes, you know, such"},{"speaker":"Nick Lincoln","startTime":1459.579,"endTime":1464.259,"body":"as our NHS and everything else."},{"speaker":"Nick Lincoln","startTime":1459.579,"endTime":1464.259,"body":"Yeah, that's it. Yeah, right."},{"speaker":"Nick Lincoln","startTime":1464.319,"endTime":1468.999,"body":"Okay. So, okay, so leading on to"},{"speaker":"Nick Lincoln","startTime":1464.319,"endTime":1468.999,"body":"that ultra you got related later"},{"speaker":"Nick Lincoln","startTime":1468.999,"endTime":1469.299,"body":"topic."},{"speaker":"Andy Hart","startTime":1469.8999999999999,"endTime":1472.68,"body":"Yeah, my point is"},{"speaker":"Andy Hart","startTime":1469.8999999999999,"endTime":1472.68,"body":"following on. It's again, budget"},{"speaker":"Andy Hart","startTime":1472.68,"endTime":1477.6,"body":"related. AJ Bell, quite an"},{"speaker":"Andy Hart","startTime":1472.68,"endTime":1477.6,"body":"interesting company for 250 I"},{"speaker":"Andy Hart","startTime":1477.6,"endTime":1480.18,"body":"don't know the exact numbers,"},{"speaker":"Andy Hart","startTime":1477.6,"endTime":1480.18,"body":"but keep it simple. Half of"},{"speaker":"Andy Hart","startTime":1480.18,"endTime":1483.8999999999999,"body":"their platform is DIY clients,"},{"speaker":"Andy Hart","startTime":1480.18,"endTime":1483.8999999999999,"body":"and half is advised to clients."},{"speaker":"Andy Hart","startTime":1483.8999999999999,"endTime":1487.02,"body":"So they've got good mi to see"},{"speaker":"Andy Hart","startTime":1483.8999999999999,"endTime":1487.02,"body":"what's happening with the"},{"speaker":"Andy Hart","startTime":1487.08,"endTime":1489.84,"body":"different client segments that"},{"speaker":"Andy Hart","startTime":1487.08,"endTime":1489.84,"body":"they look after. And they're"},{"speaker":"Andy Hart","startTime":1489.84,"endTime":1493.22,"body":"basically just saying there"},{"speaker":"Andy Hart","startTime":1489.84,"endTime":1493.22,"body":"should be some form of pension"},{"speaker":"Andy Hart","startTime":1493.22,"endTime":1497.42,"body":"tax lock, because all of this"},{"speaker":"Andy Hart","startTime":1493.22,"endTime":1497.42,"body":"proposed changes, or ending up"},{"speaker":"Andy Hart","startTime":1497.42,"endTime":1500.3,"body":"being no changes, is causing"},{"speaker":"Andy Hart","startTime":1497.42,"endTime":1500.3,"body":"people to potentially do things"},{"speaker":"Andy Hart","startTime":1500.3,"endTime":1504.5,"body":"which are financially dangerous,"},{"speaker":"Andy Hart","startTime":1500.3,"endTime":1504.5,"body":"you know, financial self harm,"},{"speaker":"Andy Hart","startTime":1504.5,"endTime":1506.8999999999999,"body":"etc. They said the government"},{"speaker":"Andy Hart","startTime":1504.5,"endTime":1506.8999999999999,"body":"should limit the potential for"},{"speaker":"Andy Hart","startTime":1506.8999999999999,"endTime":1510.58,"body":"people to financially self harm."},{"speaker":"Andy Hart","startTime":1506.8999999999999,"endTime":1510.58,"body":"And this article came out so"},{"speaker":"Andy Hart","startTime":1510.58,"endTime":1514.6,"body":"it's related to it. And again,"},{"speaker":"Andy Hart","startTime":1510.58,"endTime":1514.6,"body":"we don't know if people having a"},{"speaker":"Andy Hart","startTime":1514.6,"endTime":1517.78,"body":"knee jerk reaction with"},{"speaker":"Andy Hart","startTime":1514.6,"endTime":1517.78,"body":"foresight have done the right"},{"speaker":"Andy Hart","startTime":1517.78,"endTime":1520.96,"body":"thing, but in hindsight, we will"},{"speaker":"Andy Hart","startTime":1517.78,"endTime":1520.96,"body":"know if that makes sense. So"},{"speaker":"Andy Hart","startTime":1520.96,"endTime":1523.78,"body":"it's just one of those tricky"},{"speaker":"Andy Hart","startTime":1520.96,"endTime":1523.78,"body":"situations where we don't know"},{"speaker":"Andy Hart","startTime":1523.78,"endTime":1526.6599999999999,"body":"whether or not to lead with"},{"speaker":"Andy Hart","startTime":1523.78,"endTime":1526.6599999999999,"body":"clients pulling the trigger on a"},{"speaker":"Andy Hart","startTime":1526.6599999999999,"endTime":1529.42,"body":"certain thing, because then"},{"speaker":"Andy Hart","startTime":1526.6599999999999,"endTime":1529.42,"body":"again, in hindsight, it would"},{"speaker":"Andy Hart","startTime":1529.42,"endTime":1533.58,"body":"have made 10. So or not so, it's"},{"speaker":"Andy Hart","startTime":1529.42,"endTime":1533.58,"body":"a very, you know, challenging"},{"speaker":"Andy Hart","startTime":1533.58,"endTime":1536.6399999999999,"body":"sort of dance that professional"},{"speaker":"Andy Hart","startTime":1533.58,"endTime":1536.6399999999999,"body":"advisors are sort of contending"},{"speaker":"Andy Hart","startTime":1536.6399999999999,"endTime":1538.74,"body":"with at the moment. So that's"},{"speaker":"Andy Hart","startTime":1536.6399999999999,"endTime":1538.74,"body":"basically it. They're just"},{"speaker":"Andy Hart","startTime":1538.74,"endTime":1541.44,"body":"saying we want a little bit more"},{"speaker":"Andy Hart","startTime":1538.74,"endTime":1541.44,"body":"calm, rather than the government"},{"speaker":"Andy Hart","startTime":1541.44,"endTime":1544.98,"body":"creating people to have knee"},{"speaker":"Andy Hart","startTime":1541.44,"endTime":1544.98,"body":"jerk reaction to potentially"},{"speaker":"Andy Hart","startTime":1544.98,"endTime":1547.02,"body":"cause harm to themselves"},{"speaker":"Andy Hart","startTime":1544.98,"endTime":1547.02,"body":"financially. So that's it."},{"speaker":"Andy Hart","startTime":1547.02,"endTime":1547.92,"body":"Really any points,"},{"speaker":"Nick Lincoln","startTime":1550.2,"endTime":1552.8,"body":"no nothing to add"},{"speaker":"Nick Lincoln","startTime":1550.2,"endTime":1552.8,"body":"to that underlying theme of the"},{"speaker":"Nick Lincoln","startTime":1552.8,"endTime":1557.6599999999999,"body":"show, isn't it? It's lurking"},{"speaker":"Nick Lincoln","startTime":1552.8,"endTime":1557.6599999999999,"body":"everywhere, okay? Dela Bucha,"},{"speaker":"Carl Widger","startTime":1559.94,"endTime":1562.3999999999999,"body":"yes, the half"},{"speaker":"Carl Widger","startTime":1559.94,"endTime":1562.3999999999999,"body":"century Chronicles, thanks be to"},{"speaker":"Carl Widger","startTime":1562.3999999999999,"endTime":1566.78,"body":"Jesus, Christ almighty, are"},{"speaker":"Carl Widger","startTime":1562.3999999999999,"endTime":1566.78,"body":"nearly over. So this was a"},{"speaker":"Carl Widger","startTime":1566.78,"endTime":1571.6,"body":"project I decided that would be"},{"speaker":"Carl Widger","startTime":1566.78,"endTime":1571.6,"body":"a great idea when I was 49 a"},{"speaker":"Carl Widger","startTime":1571.6,"endTime":1581.98,"body":"mere 4950 the year I'm 50, I'm"},{"speaker":"Carl Widger","startTime":1571.6,"endTime":1581.98,"body":"gonna do 50 little videos on"},{"speaker":"Carl Widger","startTime":1581.98,"endTime":1585.3999999999999,"body":"life lessons that I've learned"},{"speaker":"Carl Widger","startTime":1581.98,"endTime":1585.3999999999999,"body":"along the way. Two things, I"},{"speaker":"Carl Widger","startTime":1585.3999999999999,"endTime":1588.8799999999999,"body":"wish I didn't commit to it, but"},{"speaker":"Carl Widger","startTime":1585.3999999999999,"endTime":1588.8799999999999,"body":"I did commit, and I am about to"},{"speaker":"Carl Widger","startTime":1588.8799999999999,"endTime":1594.3,"body":"finish and that indeed, lesson,"},{"speaker":"Carl Widger","startTime":1588.8799999999999,"endTime":1594.3,"body":"well done. Yeah. So the 50th one"},{"speaker":"Carl Widger","startTime":1594.3,"endTime":1598.02,"body":"is upcoming, but it's going on"},{"speaker":"Carl Widger","startTime":1594.3,"endTime":1598.02,"body":"so long I have probably"},{"speaker":"Carl Widger","startTime":1598.02,"endTime":1600.84,"body":"forgotten about a number of the"},{"speaker":"Carl Widger","startTime":1598.02,"endTime":1600.84,"body":"lessons along the way. And"},{"speaker":"Carl Widger","startTime":1600.84,"endTime":1603.8999999999999,"body":"someone close to me did say to"},{"speaker":"Carl Widger","startTime":1600.84,"endTime":1603.8999999999999,"body":"me this week, you need to go"},{"speaker":"Carl Widger","startTime":1603.8999999999999,"endTime":1606.78,"body":"back and look at some of your"},{"speaker":"Carl Widger","startTime":1603.8999999999999,"endTime":1606.78,"body":"own lessons there, please. So"},{"speaker":"Carl Widger","startTime":1608.8799999999999,"endTime":1614.06,"body":"Whoa. So it's all, it's all"},{"speaker":"Carl Widger","startTime":1608.8799999999999,"endTime":1614.06,"body":"really good saying it, but doing"},{"speaker":"Carl Widger","startTime":1614.06,"endTime":1616.52,"body":"it sometimes can be the"},{"speaker":"Carl Widger","startTime":1614.06,"endTime":1616.52,"body":"challenge. But anyway, I just"},{"speaker":"Carl Widger","startTime":1616.58,"endTime":1618.8,"body":"wanted to put it out there,"},{"speaker":"Carl Widger","startTime":1616.58,"endTime":1618.8,"body":"because I kind of pleased it's"},{"speaker":"Carl Widger","startTime":1618.8,"endTime":1619.7,"body":"nearly over. I'll"},{"speaker":"Andy Hart","startTime":1619.7,"endTime":1621.86,"body":"be posting. Tim"},{"speaker":"Andy Hart","startTime":1619.7,"endTime":1621.86,"body":"Fauci,"},{"speaker":"Carl Widger","startTime":1623.06,"endTime":1626.6599999999999,"body":"yeah, I started. It"},{"speaker":"Carl Widger","startTime":1623.06,"endTime":1626.6599999999999,"body":"was going on too long, so I"},{"speaker":"Carl Widger","startTime":1626.8999999999999,"endTime":1628.46,"body":"started posting two and three"},{"speaker":"Alan Smith","startTime":1629.599,"endTime":1631.239,"body":"together, four or"},{"speaker":"Alan Smith","startTime":1629.599,"endTime":1631.239,"body":"five in one go."},{"speaker":"Carl Widger","startTime":1632.8,"endTime":1635.5,"body":"Yeah, there was,"},{"speaker":"Carl Widger","startTime":1632.8,"endTime":1635.5,"body":"yeah, we did a few boots because"},{"speaker":"Carl Widger","startTime":1635.62,"endTime":1640.3,"body":"the firm that do the marketing"},{"speaker":"Carl Widger","startTime":1635.62,"endTime":1640.3,"body":"piece first were kind of, I"},{"speaker":"Carl Widger","startTime":1640.3,"endTime":1642.7,"body":"think they were getting well"},{"speaker":"Carl Widger","startTime":1640.3,"endTime":1642.7,"body":"peed off of them as well. They"},{"speaker":"Carl Widger","startTime":1642.7,"endTime":1646.78,"body":"went, what about we put them all"},{"speaker":"Carl Widger","startTime":1642.7,"endTime":1646.78,"body":"together? Okay, I hear"},{"speaker":"Andy Hart","startTime":1646.78,"endTime":1649.42,"body":"you. So probably cost"},{"speaker":"Andy Hart","startTime":1646.78,"endTime":1649.42,"body":"you 50 grand to get it well"},{"speaker":"Andy Hart","startTime":1649.42,"endTime":1649.78,"body":"edited"},{"speaker":"Carl Widger","startTime":1649.78,"endTime":1651.78,"body":"in the end, yeah,"},{"speaker":"Carl Widger","startTime":1649.78,"endTime":1651.78,"body":"I'd say a lot more than that,"},{"speaker":"Carl Widger","startTime":1651.78,"endTime":1656.76,"body":"actually. But anyway, yeah, so"},{"speaker":"Carl Widger","startTime":1651.78,"endTime":1656.76,"body":"boss, the ultimate lesson was"},{"speaker":"Carl Widger","startTime":1656.76,"endTime":1659.3999999999999,"body":"you, if you decide on something"},{"speaker":"Carl Widger","startTime":1656.76,"endTime":1659.3999999999999,"body":"and commit to it, you have to"},{"speaker":"Carl Widger","startTime":1659.3999999999999,"endTime":1663.0,"body":"have the discipline to finish. I"},{"speaker":"Carl Widger","startTime":1659.3999999999999,"endTime":1663.0,"body":"have finished. Yeah, well,"},{"speaker":"Carl Widger","startTime":1663.0,"endTime":1663.84,"body":"that's true, that's"},{"speaker":"Nick Lincoln","startTime":1663.84,"endTime":1666.6599999999999,"body":"true, that's true."},{"speaker":"Nick Lincoln","startTime":1663.84,"endTime":1666.6599999999999,"body":"Commit, commit to something and"},{"speaker":"Nick Lincoln","startTime":1666.6599999999999,"endTime":1670.2,"body":"do it. Okay, good stuff."},{"speaker":"Nick Lincoln","startTime":1666.6599999999999,"endTime":1670.2,"body":"Storyteller, John plunder,"},{"speaker":"Alan Smith","startTime":1672.119,"endTime":1675.4389999999999,"body":"hang on. It. Did you"},{"speaker":"Alan Smith","startTime":1672.119,"endTime":1675.4389999999999,"body":"move around? I thought was"},{"speaker":"Nick Lincoln","startTime":1676.579,"endTime":1679.819,"body":"watch again, off"},{"speaker":"Nick Lincoln","startTime":1676.579,"endTime":1679.819,"body":"the digital screen, not piece of"},{"speaker":"Nick Lincoln","startTime":1679.819,"endTime":1685.039,"body":"paper. John plunder, okay. I"},{"speaker":"Nick Lincoln","startTime":1679.819,"endTime":1685.039,"body":"thought this is brilliant."},{"speaker":"Alan Smith","startTime":1686.42,"endTime":1690.94,"body":"I thought this is"},{"speaker":"Alan Smith","startTime":1686.42,"endTime":1690.94,"body":"brilliant. So this was a an"},{"speaker":"Alan Smith","startTime":1690.94,"endTime":1694.42,"body":"article in the Financial Times"},{"speaker":"Alan Smith","startTime":1690.94,"endTime":1694.42,"body":"the other day. John plunder is a"},{"speaker":"Alan Smith","startTime":1694.42,"endTime":1699.22,"body":"journalist, SENIOR EDITOR, guy"},{"speaker":"Alan Smith","startTime":1694.42,"endTime":1699.22,"body":"at the at the FT, and he he does"},{"speaker":"Alan Smith","startTime":1699.22,"endTime":1701.92,"body":"this big, deep dive, big, quite"},{"speaker":"Alan Smith","startTime":1699.22,"endTime":1701.92,"body":"a long article. And I was sort"},{"speaker":"Alan Smith","startTime":1701.92,"endTime":1704.2,"body":"of browsing through that because"},{"speaker":"Alan Smith","startTime":1701.92,"endTime":1704.2,"body":"it was, it was really about"},{"speaker":"Alan Smith","startTime":1704.2,"endTime":1707.92,"body":"this, this kind of story that we"},{"speaker":"Alan Smith","startTime":1704.2,"endTime":1707.92,"body":"go on about all the time, this"},{"speaker":"Alan Smith","startTime":1708.34,"endTime":1712.74,"body":"risk versus volatility story and"},{"speaker":"Alan Smith","startTime":1708.34,"endTime":1712.74,"body":"and the impact of bonds in"},{"speaker":"Alan Smith","startTime":1712.74,"endTime":1715.08,"body":"portfolios. He starts the"},{"speaker":"Alan Smith","startTime":1712.74,"endTime":1715.08,"body":"article starts off about"},{"speaker":"Alan Smith","startTime":1715.08,"endTime":1718.56,"body":"institutional and large kind of"},{"speaker":"Alan Smith","startTime":1715.08,"endTime":1718.56,"body":"defined benefit pension funds,"},{"speaker":"Alan Smith","startTime":1718.56,"endTime":1720.84,"body":"and all the issue around"},{"speaker":"Alan Smith","startTime":1718.56,"endTime":1720.84,"body":"volatility. And it just there's"},{"speaker":"Alan Smith","startTime":1720.84,"endTime":1723.6,"body":"a couple of quotes within it,"},{"speaker":"Alan Smith","startTime":1720.84,"endTime":1723.6,"body":"and which are just worth me"},{"speaker":"Alan Smith","startTime":1723.6,"endTime":1727.08,"body":"reading out. And he says the"},{"speaker":"Alan Smith","startTime":1723.6,"endTime":1727.08,"body":"worst of it is that the notion"},{"speaker":"Alan Smith","startTime":1727.08,"endTime":1732.02,"body":"of bonds, the notion of bonds as"},{"speaker":"Alan Smith","startTime":1727.08,"endTime":1732.02,"body":"safe assets, is pure myth, Elroy"},{"speaker":"Alan Smith","startTime":1732.02,"endTime":1735.56,"body":"dimson, Paul marsh and Mike"},{"speaker":"Alan Smith","startTime":1732.02,"endTime":1735.56,"body":"Staunton in the latest UBS"},{"speaker":"Alan Smith","startTime":1735.56,"endTime":1738.26,"body":"global investment return"},{"speaker":"Alan Smith","startTime":1735.56,"endTime":1738.26,"body":"yearbook, points out that"},{"speaker":"Alan Smith","startTime":1738.26,"endTime":1743.12,"body":"between October 1946 and"},{"speaker":"Alan Smith","startTime":1738.26,"endTime":1743.12,"body":"December 1974 UK government"},{"speaker":"Alan Smith","startTime":1743.12,"endTime":1749.3,"body":"bonds lost 70 74% of their"},{"speaker":"Alan Smith","startTime":1743.12,"endTime":1749.3,"body":"value. In fact, UK based UK bond"},{"speaker":"Alan Smith","startTime":1749.3,"endTime":1753.94,"body":"investors lost lost half their"},{"speaker":"Alan Smith","startTime":1749.3,"endTime":1753.94,"body":"value during the inflationary"},{"speaker":"Alan Smith","startTime":1753.94,"endTime":1759.04,"body":"period between 1774 and he's on"},{"speaker":"Alan Smith","startTime":1753.94,"endTime":1759.04,"body":"to say not this is this is the"},{"speaker":"Alan Smith","startTime":1759.3999999999999,"endTime":1762.28,"body":"the statement I thought was just"},{"speaker":"Alan Smith","startTime":1759.3999999999999,"endTime":1762.28,"body":"incredible and kind of just"},{"speaker":"Alan Smith","startTime":1762.6399999999999,"endTime":1766.72,"body":"enforces what we've been saying"},{"speaker":"Alan Smith","startTime":1762.6399999999999,"endTime":1766.72,"body":"for years. He says nothing could"},{"speaker":"Alan Smith","startTime":1766.72,"endTime":1773.04,"body":"more devastatingly highlight the"},{"speaker":"Alan Smith","startTime":1766.72,"endTime":1773.04,"body":"mainstream. How mainstream"},{"speaker":"Alan Smith","startTime":1773.04,"endTime":1777.78,"body":"economists, actuaries and"},{"speaker":"Alan Smith","startTime":1773.04,"endTime":1777.78,"body":"regulators, have lost the risk"},{"speaker":"Alan Smith","startTime":1777.78,"endTime":1783.06,"body":"and return plot. So you know, as"},{"speaker":"Alan Smith","startTime":1777.78,"endTime":1783.06,"body":"we know, we've been talking"},{"speaker":"Alan Smith","startTime":1783.06,"endTime":1784.26,"body":"about this, the regulator,"},{"speaker":"Alan Smith","startTime":1790.92,"endTime":1794.3,"body":"the regulator, and I know that"},{"speaker":"Alan Smith","startTime":1790.92,"endTime":1794.3,"body":"we individually talk about this,"},{"speaker":"Alan Smith","startTime":1794.3,"endTime":1797.18,"body":"we get private messages from"},{"speaker":"Alan Smith","startTime":1794.3,"endTime":1797.18,"body":"loads of different advisors. And"},{"speaker":"Alan Smith","startTime":1797.18,"endTime":1801.74,"body":"I noticed Nick on your IFA forum"},{"speaker":"Alan Smith","startTime":1797.18,"endTime":1801.74,"body":"shout out for that group, which"},{"speaker":"Alan Smith","startTime":1801.74,"endTime":1804.68,"body":"I browse through from time to"},{"speaker":"Alan Smith","startTime":1801.74,"endTime":1804.68,"body":"time. There's a lot of people"},{"speaker":"Alan Smith","startTime":1850.76,"endTime":1853.34,"body":"who have advisors, good"},{"speaker":"Alan Smith","startTime":1850.76,"endTime":1853.34,"body":"advisors, struggling with this"},{"speaker":"Alan Smith","startTime":1853.34,"endTime":1856.04,"body":"as an issue, because they say, I"},{"speaker":"Alan Smith","startTime":1853.34,"endTime":1856.04,"body":"know I agree with this. This"},{"speaker":"Alan Smith","startTime":1856.04,"endTime":1858.9399999999998,"body":"makes sense, but my compliance"},{"speaker":"Alan Smith","startTime":1856.04,"endTime":1858.9399999999998,"body":"department won't let me do it."},{"speaker":"Alan Smith","startTime":1858.9399999999998,"endTime":1861.28,"body":"And I just thought it was really"},{"speaker":"Alan Smith","startTime":1858.9399999999998,"endTime":1861.28,"body":"good. That's a use. I'd be"},{"speaker":"Alan Smith","startTime":1861.28,"endTime":1863.6799999999998,"body":"interested to see if the"},{"speaker":"Alan Smith","startTime":1861.28,"endTime":1863.6799999999998,"body":"regulator ever sort of pays"},{"speaker":"Alan Smith","startTime":1863.6799999999998,"endTime":1867.4599999999998,"body":"attention, but coming out of"},{"speaker":"Alan Smith","startTime":1863.6799999999998,"endTime":1867.4599999999998,"body":"esteem, you know, Delroy dimson"},{"speaker":"Alan Smith","startTime":1867.4599999999998,"endTime":1871.1799999999998,"body":"Marsh, they're the well known"},{"speaker":"Alan Smith","startTime":1867.4599999999998,"endTime":1871.1799999999998,"body":"kind of economists researchers,"},{"speaker":"Alan Smith","startTime":1871.7199999999998,"endTime":1875.56,"body":"and they're saying in a much"},{"speaker":"Alan Smith","startTime":1871.7199999999998,"endTime":1875.56,"body":"more eloquent way what we've"},{"speaker":"Alan Smith","startTime":1875.56,"endTime":1879.1799999999998,"body":"been saying. Been for years. So"},{"speaker":"Alan Smith","startTime":1875.56,"endTime":1879.1799999999998,"body":"I thought it was interesting,"},{"speaker":"Nick Lincoln","startTime":1882.0,"endTime":1883.7399999999998,"body":"yep, yep. And that"},{"speaker":"Nick Lincoln","startTime":1882.0,"endTime":1883.7399999999998,"body":"was, actually, was something"},{"speaker":"Nick Lincoln","startTime":1883.7399999999998,"endTime":1886.02,"body":"that sissy, the people will come"},{"speaker":"Nick Lincoln","startTime":1883.7399999999998,"endTime":1886.02,"body":"up to me, and that was the"},{"speaker":"Nick Lincoln","startTime":1886.02,"endTime":1888.84,"body":"recurring theme. I was chatting"},{"speaker":"Nick Lincoln","startTime":1886.02,"endTime":1888.84,"body":"with people there on my peers,"},{"speaker":"Nick Lincoln","startTime":1888.84,"endTime":1892.08,"body":"about about how this whole risk"},{"speaker":"Nick Lincoln","startTime":1888.84,"endTime":1892.08,"body":"thing is, I think that the worm"},{"speaker":"Nick Lincoln","startTime":1892.08,"endTime":1895.26,"body":"is turning it's there's a real"},{"speaker":"Nick Lincoln","startTime":1892.08,"endTime":1895.26,"body":"ground sort of opinion amongst"},{"speaker":"Nick Lincoln","startTime":1895.26,"endTime":1898.6999999999998,"body":"the people that do this thing of"},{"speaker":"Nick Lincoln","startTime":1895.26,"endTime":1898.6999999999998,"body":"ours that the risk conversation,"},{"speaker":"Nick Lincoln","startTime":1898.6999999999998,"endTime":1901.8799999999999,"body":"it has been totally badly framed"},{"speaker":"Nick Lincoln","startTime":1898.6999999999998,"endTime":1901.8799999999999,"body":"for the last 30 years. And we've"},{"speaker":"Nick Lincoln","startTime":1901.8799999999999,"endTime":1904.6399999999999,"body":"got to start, we've got to start"},{"speaker":"Nick Lincoln","startTime":1901.8799999999999,"endTime":1904.6399999999999,"body":"talking about this more openly."},{"speaker":"Nick Lincoln","startTime":1904.76,"endTime":1907.6999999999998,"body":"Andy, was your finger rose,"},{"speaker":"Nick Lincoln","startTime":1904.76,"endTime":1907.6999999999998,"body":"yeah, very briefly."},{"speaker":"Andy Hart","startTime":1907.6989999999998,"endTime":1909.559,"body":"I mean, the good news"},{"speaker":"Andy Hart","startTime":1907.6989999999998,"endTime":1909.559,"body":"is a lot of these one fund"},{"speaker":"Andy Hart","startTime":1909.559,"endTime":1912.9789999999998,"body":"solutions that we know very well"},{"speaker":"Andy Hart","startTime":1909.559,"endTime":1912.9789999999998,"body":"and talk about, and a lot of our"},{"speaker":"Andy Hart","startTime":1912.9789999999998,"endTime":1915.859,"body":"clients, potentially, are in"},{"speaker":"Andy Hart","startTime":1912.9789999999998,"endTime":1915.859,"body":"them on the risk scale. They're"},{"speaker":"Andy Hart","startTime":1915.859,"endTime":1918.7589999999998,"body":"now fives out of seven. We know"},{"speaker":"Andy Hart","startTime":1915.859,"endTime":1918.7589999999998,"body":"the whole risk scale is total"},{"speaker":"Andy Hart","startTime":1918.7589999999998,"endTime":1921.9989999999998,"body":"BS, but at least finally,"},{"speaker":"Andy Hart","startTime":1918.7589999999998,"endTime":1921.9989999999998,"body":"they're realizing that 100%"},{"speaker":"Andy Hart","startTime":1922.6589999999999,"endTime":1925.839,"body":"global equity portfolio is not"},{"speaker":"Andy Hart","startTime":1922.6589999999999,"endTime":1925.839,"body":"an 11 out of 10. You know, it's"},{"speaker":"Andy Hart","startTime":1925.839,"endTime":1928.4789999999998,"body":"not a 10 out of 10. It's not far"},{"speaker":"Andy Hart","startTime":1925.839,"endTime":1928.4789999999998,"body":"up there. It's way further down."},{"speaker":"Andy Hart","startTime":1929.4989999999998,"endTime":1933.399,"body":"So, yeah, it is slowly turning"},{"speaker":"Andy Hart","startTime":1929.4989999999998,"endTime":1933.399,"body":"and some bond funds during the"},{"speaker":"Andy Hart","startTime":1933.399,"endTime":1937.6789999999999,"body":"madness of 2022 turn into six"},{"speaker":"Andy Hart","startTime":1933.399,"endTime":1937.6789999999999,"body":"out of seven. So it's just"},{"speaker":"Andy Hart","startTime":1937.859,"endTime":1939.4789999999998,"body":"ridiculous, but I think"},{"speaker":"Alan Smith","startTime":1939.9589999999998,"endTime":1943.379,"body":"we reassess their"},{"speaker":"Alan Smith","startTime":1939.9589999999998,"endTime":1943.379,"body":"bond fund and went from super"},{"speaker":"Alan Smith","startTime":1943.379,"endTime":1947.399,"body":"low risk to being high, the"},{"speaker":"Alan Smith","startTime":1943.379,"endTime":1947.399,"body":"highest one of all. But that was"},{"speaker":"Alan Smith","startTime":1947.4589999999998,"endTime":1950.4589999999998,"body":"six out of sevens. Yeah, but"},{"speaker":"Alan Smith","startTime":1947.4589999999998,"endTime":1950.4589999999998,"body":"that was after that was"},{"speaker":"Andy Hart","startTime":1952.26,"endTime":1955.02,"body":"hindsight. Yeah,"},{"speaker":"Andy Hart","startTime":1952.26,"endTime":1955.02,"body":"exactly. Trying to put the"},{"speaker":"Nick Lincoln","startTime":1955.1399999999999,"endTime":1958.28,"body":"tooth place back"},{"speaker":"Nick Lincoln","startTime":1955.1399999999999,"endTime":1958.28,"body":"in the tube, ridiculous. Okay,"},{"speaker":"Nick Lincoln","startTime":1958.28,"endTime":1961.04,"body":"another scam this time. It's not"},{"speaker":"Nick Lincoln","startTime":1958.28,"endTime":1961.04,"body":"an Irish one. So then we're"},{"speaker":"Nick Lincoln","startTime":1961.04,"endTime":1963.1999999999998,"body":"going to bring it up with some"},{"speaker":"Nick Lincoln","startTime":1961.04,"endTime":1963.1999999999998,"body":"more UK based."},{"speaker":"Andy Hart","startTime":1963.9189999999999,"endTime":1966.4989999999998,"body":"It seems like these"},{"speaker":"Andy Hart","startTime":1963.9189999999999,"endTime":1966.4989999999998,"body":"UK scams are few and far between"},{"speaker":"Andy Hart","startTime":1967.639,"endTime":1970.879,"body":"these days, doing their job."},{"speaker":"Andy Hart","startTime":1967.639,"endTime":1970.879,"body":"Okay? So this one Brace"},{"speaker":"Andy Hart","startTime":1970.879,"endTime":1976.839,"body":"yourselves was an art investment"},{"speaker":"Andy Hart","startTime":1970.879,"endTime":1976.839,"body":"stroke fraud, a company called"},{"speaker":"Andy Hart","startTime":1976.839,"endTime":1981.9389999999999,"body":"Smith and partner come very,"},{"speaker":"Andy Hart","startTime":1976.839,"endTime":1981.9389999999999,"body":"very fancy. So the article was"},{"speaker":"Andy Hart","startTime":1981.9389999999999,"endTime":1986.4989999999998,"body":"about a 31 year old gold trader."},{"speaker":"Andy Hart","startTime":1981.9389999999999,"endTime":1986.4989999999998,"body":"He was the person that got"},{"speaker":"Andy Hart","startTime":1986.4989999999998,"endTime":1992.859,"body":"scammed. He was looking for"},{"speaker":"Andy Hart","startTime":1986.4989999999998,"endTime":1992.859,"body":"64.6% in the first 12 months. So"},{"speaker":"Andy Hart","startTime":1992.859,"endTime":1999.059,"body":"clearly, this gold trader isn't"},{"speaker":"Andy Hart","startTime":1992.859,"endTime":1999.059,"body":"investing illiterate. But"},{"speaker":"Andy Hart","startTime":1999.059,"endTime":2002.899,"body":"anyway, he went ahead and"},{"speaker":"Andy Hart","startTime":1999.059,"endTime":2002.899,"body":"surprise, surprise, it went"},{"speaker":"Andy Hart","startTime":2003.4389999999999,"endTime":2009.799,"body":"belly up. I mean, it's not nice"},{"speaker":"Andy Hart","startTime":2003.4389999999999,"endTime":2009.799,"body":"that people create these scams"},{"speaker":"Andy Hart","startTime":2009.859,"endTime":2016.099,"body":"to obviously defraud people. But"},{"speaker":"Andy Hart","startTime":2009.859,"endTime":2016.099,"body":"for me, fraud and scams fall"},{"speaker":"Andy Hart","startTime":2016.099,"endTime":2018.9989999999998,"body":"into two different categories."},{"speaker":"Andy Hart","startTime":2016.099,"endTime":2018.9989999999998,"body":"There's a deception fraud, which"},{"speaker":"Andy Hart","startTime":2018.9989999999998,"endTime":2022.299,"body":"someone is like rung up and told"},{"speaker":"Andy Hart","startTime":2018.9989999999998,"endTime":2022.299,"body":"that their banks closed it down"},{"speaker":"Andy Hart","startTime":2022.299,"endTime":2025.1789999999999,"body":"they need to move money. And"},{"speaker":"Andy Hart","startTime":2022.299,"endTime":2025.1789999999999,"body":"someone's been deceived into"},{"speaker":"Andy Hart","startTime":2025.1789999999999,"endTime":2028.599,"body":"taking action, but they haven't"},{"speaker":"Andy Hart","startTime":2025.1789999999999,"endTime":2028.599,"body":"gone into it with the intention"},{"speaker":"Andy Hart","startTime":2028.599,"endTime":2032.1989999999998,"body":"to make money. The different"},{"speaker":"Andy Hart","startTime":2028.599,"endTime":2032.1989999999998,"body":"type of fraud is called agreed"},{"speaker":"Andy Hart","startTime":2032.1989999999998,"endTime":2035.4989999999998,"body":"fraud. You've gone into that"},{"speaker":"Andy Hart","startTime":2032.1989999999998,"endTime":2035.4989999999998,"body":"fraud in the intention of making"},{"speaker":"Andy Hart","startTime":2035.4989999999998,"endTime":2037.9789999999998,"body":"money. It's turned out that"},{"speaker":"Andy Hart","startTime":2035.4989999999998,"endTime":2037.9789999999998,"body":"you've been defrauded, and then"},{"speaker":"Andy Hart","startTime":2037.9789999999998,"endTime":2041.4589999999998,"body":"you've gone crying to someone."},{"speaker":"Andy Hart","startTime":2037.9789999999998,"endTime":2041.4589999999998,"body":"So this is a greed fraud. The"},{"speaker":"Andy Hart","startTime":2041.4589999999998,"endTime":2045.839,"body":"worst part of this story the"},{"speaker":"Andy Hart","startTime":2041.4589999999998,"endTime":2045.839,"body":"guy, this 31 year old gold"},{"speaker":"Andy Hart","startTime":2045.839,"endTime":2050.279,"body":"trader, has tried to go after"},{"speaker":"Andy Hart","startTime":2045.839,"endTime":2050.279,"body":"HSBC, his bank, to claim the"},{"speaker":"Andy Hart","startTime":2050.279,"endTime":2053.159,"body":"money back after this"},{"speaker":"Andy Hart","startTime":2050.279,"endTime":2053.159,"body":"investment, which is not an"},{"speaker":"Andy Hart","startTime":2053.159,"endTime":2059.299,"body":"investment speculation blew up."},{"speaker":"Andy Hart","startTime":2053.159,"endTime":2059.299,"body":"It's mad. I mean, it's not sort"},{"speaker":"Andy Hart","startTime":2059.299,"endTime":2062.839,"body":"of poor old banks, but my God,"},{"speaker":"Andy Hart","startTime":2059.299,"endTime":2062.839,"body":"having to deal with these types"},{"speaker":"Andy Hart","startTime":2062.839,"endTime":2065.839,"body":"of people investing, illiterates"},{"speaker":"Andy Hart","startTime":2062.839,"endTime":2065.839,"body":"that just throw the money here,"},{"speaker":"Andy Hart","startTime":2065.839,"endTime":2068.659,"body":"there and everywhere, and then"},{"speaker":"Andy Hart","startTime":2065.839,"endTime":2068.659,"body":"going after the banks and them"},{"speaker":"Andy Hart","startTime":2068.659,"endTime":2071.299,"body":"having to have a compliance"},{"speaker":"Andy Hart","startTime":2068.659,"endTime":2071.299,"body":"department and a complaints"},{"speaker":"Andy Hart","startTime":2071.299,"endTime":2073.939,"body":"department to deal with all this"},{"speaker":"Andy Hart","startTime":2071.299,"endTime":2073.939,"body":"sort of stuff. Apparently,"},{"speaker":"Andy Hart","startTime":2074.659,"endTime":2078.219,"body":"there's another company dealing"},{"speaker":"Andy Hart","startTime":2074.659,"endTime":2078.219,"body":"with all the victims of this"},{"speaker":"Andy Hart","startTime":2078.219,"endTime":2083.259,"body":"fraud. They've submitted 12"},{"speaker":"Andy Hart","startTime":2078.219,"endTime":2083.259,"body":"claims, sorry, 40 claims to 12"},{"speaker":"Andy Hart","startTime":2083.259,"endTime":2086.319,"body":"banks for 2.1 million pounds."},{"speaker":"Andy Hart","startTime":2083.259,"endTime":2086.319,"body":"They're all going after the"},{"speaker":"Andy Hart","startTime":2086.319,"endTime":2090.699,"body":"banks that facilitated the move"},{"speaker":"Andy Hart","startTime":2086.319,"endTime":2090.699,"body":"around their own money. Anyway,"},{"speaker":"Andy Hart","startTime":2090.699,"endTime":2091.839,"body":"these things. So what's"},{"speaker":"Carl Widger","startTime":2091.84,"endTime":2093.82,"body":"the complaint"},{"speaker":"Carl Widger","startTime":2091.84,"endTime":2093.82,"body":"against the bank that the bank"},{"speaker":"Carl Widger","startTime":2093.82,"endTime":2097.86,"body":"you hit the client, the person"},{"speaker":"Carl Widger","startTime":2093.82,"endTime":2097.86,"body":"the investor, instructed the"},{"speaker":"Carl Widger","startTime":2097.86,"endTime":2100.68,"body":"bank to move money to this"},{"speaker":"Carl Widger","startTime":2097.86,"endTime":2100.68,"body":"account, to get into this thing,"},{"speaker":"Andy Hart","startTime":2100.739,"endTime":2103.139,"body":"just just like normal"},{"speaker":"Andy Hart","startTime":2100.739,"endTime":2103.139,"body":"transfers."},{"speaker":"Carl Widger","startTime":2103.26,"endTime":2105.72,"body":"You know, bank"},{"speaker":"Carl Widger","startTime":2103.26,"endTime":2105.72,"body":"shouldn't allow it. The"},{"speaker":"Nick Lincoln","startTime":2105.72,"endTime":2108.36,"body":"bank should have"},{"speaker":"Nick Lincoln","startTime":2105.72,"endTime":2108.36,"body":"known it was a scam, I think, is"},{"speaker":"Nick Lincoln","startTime":2108.36,"endTime":2109.14,"body":"the just gist of"},{"speaker":"Andy Hart","startTime":2110.76,"endTime":2113.04,"body":"it. I mean, this guy"},{"speaker":"Andy Hart","startTime":2110.76,"endTime":2113.04,"body":"might as well sue his parents"},{"speaker":"Andy Hart","startTime":2113.04,"endTime":2119.72,"body":"for lack of financial education"},{"speaker":"Andy Hart","startTime":2113.04,"endTime":2119.72,"body":"after the banks. Go after your"},{"speaker":"Andy Hart","startTime":2119.72,"endTime":2124.7599999999998,"body":"mom and dad. You know, again,"},{"speaker":"Andy Hart","startTime":2119.72,"endTime":2124.7599999999998,"body":"the good we do, the harm we help"},{"speaker":"Andy Hart","startTime":2124.7599999999998,"endTime":2128.24,"body":"our clients avoid, yeah, again,"},{"speaker":"Andy Hart","startTime":2124.7599999999998,"endTime":2128.24,"body":"all these people that caught up"},{"speaker":"Andy Hart","startTime":2128.24,"endTime":2130.94,"body":"in this, in this scam, I can't"},{"speaker":"Andy Hart","startTime":2128.24,"endTime":2130.94,"body":"look I think, okay, here it is."},{"speaker":"Andy Hart","startTime":2130.94,"endTime":2134.54,"body":"It's 13 point 8 million was"},{"speaker":"Andy Hart","startTime":2130.94,"endTime":2134.54,"body":"invested by 1000 people. So each"},{"speaker":"Andy Hart","startTime":2134.54,"endTime":2138.64,"body":"person was 14 grand in you know,"},{"speaker":"Andy Hart","startTime":2134.54,"endTime":2138.64,"body":"nobody with real money is gonna"},{"speaker":"Andy Hart","startTime":2138.64,"endTime":2143.44,"body":"be doing a 14 grand pump. These"},{"speaker":"Andy Hart","startTime":2138.64,"endTime":2143.44,"body":"are all, you know, not affluent"},{"speaker":"Andy Hart","startTime":2143.44,"endTime":2148.6,"body":"individuals. So again, investing"},{"speaker":"Andy Hart","startTime":2143.44,"endTime":2148.6,"body":"in financial illiterate. Anyway,"},{"speaker":"Andy Hart","startTime":2148.6,"endTime":2152.7999999999997,"body":"it's, it pulls my blood that"},{"speaker":"Andy Hart","startTime":2148.6,"endTime":2152.7999999999997,"body":"this guy is going after HSBC,"},{"speaker":"Alan Smith","startTime":2152.859,"endTime":2154.959,"body":"well, he's"},{"speaker":"Alan Smith","startTime":2152.859,"endTime":2154.959,"body":"desperate. He's looking for"},{"speaker":"Alan Smith","startTime":2155.0789999999997,"endTime":2158.339,"body":"anyone at all that could"},{"speaker":"Alan Smith","startTime":2155.0789999999997,"endTime":2158.339,"body":"possibly help as well."},{"speaker":"Andy Hart","startTime":2158.339,"endTime":2160.5589999999997,"body":"Alan, it's gone to a"},{"speaker":"Andy Hart","startTime":2158.339,"endTime":2160.5589999999997,"body":"false I mean, obviously it's an"},{"speaker":"Andy Hart","startTime":2160.5589999999997,"endTime":2163.739,"body":"unregulated investment, so"},{"speaker":"Andy Hart","startTime":2160.5589999999997,"endTime":2163.739,"body":"false, and it's nothing to do"},{"speaker":"Andy Hart","startTime":2163.739,"endTime":2166.0789999999997,"body":"with us. I mean, it could have"},{"speaker":"Andy Hart","startTime":2163.739,"endTime":2166.0789999999997,"body":"landed on our laps. Is that"},{"speaker":"Andy Hart","startTime":2166.0789999999997,"endTime":2167.399,"body":"right, potentially?"},{"speaker":"Alan Smith","startTime":2167.759,"endTime":2169.859,"body":"Do you know if"},{"speaker":"Alan Smith","startTime":2167.759,"endTime":2169.859,"body":"you're trying to send money, as"},{"speaker":"Alan Smith","startTime":2170.0389999999998,"endTime":2172.799,"body":"I you know if you just I bank"},{"speaker":"Alan Smith","startTime":2170.0389999999998,"endTime":2172.799,"body":"with Nat West, even if"},{"speaker":"Andy Hart","startTime":2172.799,"endTime":2174.719,"body":"you try and send"},{"speaker":"Andy Hart","startTime":2172.799,"endTime":2174.719,"body":"money to yourself? Alan, these"},{"speaker":"Andy Hart","startTime":2174.719,"endTime":2178.939,"body":"days, they asked us 49 Question"},{"speaker":"Andy Hart","startTime":2174.719,"endTime":2178.939,"body":"exactly you've got affiliate,"},{"speaker":"Andy Hart","startTime":2179.179,"endTime":2181.159,"body":"exactly, you know, to somebody."},{"speaker":"Alan Smith","startTime":2181.16,"endTime":2182.7799999999997,"body":"It's like, do you"},{"speaker":"Alan Smith","startTime":2181.16,"endTime":2182.7799999999997,"body":"know this person? Is it a"},{"speaker":"Alan Smith","startTime":2182.7799999999997,"endTime":2185.72,"body":"friend? And you say, it's a"},{"speaker":"Alan Smith","startTime":2182.7799999999997,"endTime":2185.72,"body":"friend, you say, do you know"},{"speaker":"Alan Smith","startTime":2185.72,"endTime":2188.42,"body":"that? You do have to ask."},{"speaker":"Alan Smith","startTime":2185.72,"endTime":2188.42,"body":"There's a lot of barriers to"},{"speaker":"Alan Smith","startTime":2188.42,"endTime":2190.2799999999997,"body":"encourage people to think twice"},{"speaker":"Alan Smith","startTime":2188.42,"endTime":2190.2799999999997,"body":"before they"},{"speaker":"Carl Widger","startTime":2190.7599999999998,"endTime":2192.92,"body":"say, then at the"},{"speaker":"Carl Widger","startTime":2190.7599999999998,"endTime":2192.92,"body":"end they go, are you sure? Yeah,"},{"speaker":"Andy Hart","startTime":2192.98,"endTime":2196.7799999999997,"body":"I know. Yes, sure."},{"speaker":"Andy Hart","startTime":2192.98,"endTime":2196.7799999999997,"body":"Sometimes I've said someone"},{"speaker":"Andy Hart","startTime":2196.9,"endTime":2201.1,"body":"said, No, you haven't I said,"},{"speaker":"Andy Hart","startTime":2196.9,"endTime":2201.1,"body":"Yes, I have yes because I didn't"},{"speaker":"Andy Hart","startTime":2201.1,"endTime":2202.8399999999997,"body":"hit the ninth Yes,"},{"speaker":"Nick Lincoln","startTime":2206.799,"endTime":2207.6389999999997,"body":"definitely."},{"speaker":"Andy Hart","startTime":2215.98,"endTime":2219.72,"body":"You didn't scroll up"},{"speaker":"Andy Hart","startTime":2215.98,"endTime":2219.72,"body":"44 pages to click the final"},{"speaker":"Andy Hart","startTime":2219.72,"endTime":2223.74,"body":"agree. Anyway, back to you. Nick"},{"speaker":"Andy Hart","startTime":2219.72,"endTime":2223.74,"body":"Okay, good"},{"speaker":"Nick Lincoln","startTime":2223.74,"endTime":2226.44,"body":"stuff. Good stuff,"},{"speaker":"Nick Lincoln","startTime":2223.74,"endTime":2226.44,"body":"kind of No, I gotta be careful."},{"speaker":"Nick Lincoln","startTime":2226.44,"endTime":2230.1,"body":"I phrase this my article. So"},{"speaker":"Nick Lincoln","startTime":2226.44,"endTime":2230.1,"body":"there's a company called Evelyn,"},{"speaker":"Nick Lincoln","startTime":2230.1,"endTime":2233.8199999999997,"body":"or Evelyn partners, IFA firm"},{"speaker":"Nick Lincoln","startTime":2230.1,"endTime":2233.8199999999997,"body":"with their own discretionary"},{"speaker":"Nick Lincoln","startTime":2233.8199999999997,"endTime":2237.2,"body":"fund management permissions, I"},{"speaker":"Nick Lincoln","startTime":2233.8199999999997,"endTime":2237.2,"body":"believe, formerly Tilney Smith"},{"speaker":"Nick Lincoln","startTime":2237.2,"endTime":2241.22,"body":"and Williamson, I think. And I"},{"speaker":"Nick Lincoln","startTime":2237.2,"endTime":2241.22,"body":"don't know what, what you"},{"speaker":"Nick Lincoln","startTime":2241.2799999999997,"endTime":2244.7,"body":"TRAPPIST and the trap pack think"},{"speaker":"Nick Lincoln","startTime":2241.2799999999997,"endTime":2244.7,"body":"is a fair ongoing charge. Value"},{"speaker":"Nick Lincoln","startTime":2244.7,"endTime":2247.3399999999997,"body":"is, is determined by the"},{"speaker":"Nick Lincoln","startTime":2244.7,"endTime":2247.3399999999997,"body":"purchase of a service, not the"},{"speaker":"Nick Lincoln","startTime":2247.3399999999997,"endTime":2251.48,"body":"provider. But I think, I think"},{"speaker":"Nick Lincoln","startTime":2247.3399999999997,"endTime":2251.48,"body":"1.6% per annum is about the top."},{"speaker":"Nick Lincoln","startTime":2251.48,"endTime":2255.14,"body":"1.7 is a I think that's, that's,"},{"speaker":"Nick Lincoln","startTime":2251.48,"endTime":2255.14,"body":"that's on the outer edges."},{"speaker":"Andy Hart","startTime":2255.8599999999997,"endTime":2258.7,"body":"Two could be said as"},{"speaker":"Andy Hart","startTime":2255.8599999999997,"endTime":2258.7,"body":"fair Nick two could be it's very"},{"speaker":"Andy Hart","startTime":2258.7,"endTime":2263.3199999999997,"body":"expensive to run, you know,"},{"speaker":"Andy Hart","startTime":2258.7,"endTime":2263.3199999999997,"body":"scalable, profitable financial"},{"speaker":"Andy Hart","startTime":2263.3199999999997,"endTime":2265.72,"body":"advice companies, but, well, it"},{"speaker":"Andy Hart","startTime":2263.3199999999997,"endTime":2265.72,"body":"is if you've got teams"},{"speaker":"Nick Lincoln","startTime":2265.72,"endTime":2267.94,"body":"doing surveys of"},{"speaker":"Nick Lincoln","startTime":2265.72,"endTime":2267.94,"body":"for your staff and stuff and"},{"speaker":"Nick Lincoln","startTime":2267.94,"endTime":2272.98,"body":"maybe what other pressures would"},{"speaker":"Nick Lincoln","startTime":2267.94,"endTime":2272.98,"body":"call redundant people. Okay,"},{"speaker":"Nick Lincoln","startTime":2273.1,"endTime":2277.3199999999997,"body":"anyway, so Evelyn, the partners"},{"speaker":"Nick Lincoln","startTime":2273.1,"endTime":2277.3199999999997,"body":"we I've got access to a"},{"speaker":"Nick Lincoln","startTime":2277.3199999999997,"endTime":2279.8399999999997,"body":"valuation from them, from a nice"},{"speaker":"Nick Lincoln","startTime":2277.3199999999997,"endTime":2279.8399999999997,"body":"evaluation. I don't know the"},{"speaker":"Nick Lincoln","startTime":2279.8399999999997,"endTime":2281.88,"body":"client's name, but I know the"},{"speaker":"Nick Lincoln","startTime":2279.8399999999997,"endTime":2281.88,"body":"amount in the ISO, 336,000"},{"speaker":"Nick Lincoln","startTime":2283.14,"endTime":2286.3199999999997,"body":"pounds. The valuation was from"},{"speaker":"Nick Lincoln","startTime":2283.14,"endTime":2286.3199999999997,"body":"January last year, January. 2023"},{"speaker":"Nick Lincoln","startTime":2287.3399999999997,"endTime":2291.42,"body":"the client is invested in"},{"speaker":"Nick Lincoln","startTime":2287.3399999999997,"endTime":2291.42,"body":"something called CIMS cautious"},{"speaker":"Nick Lincoln","startTime":2291.42,"endTime":2294.48,"body":"portfolio, which will mean the"},{"speaker":"Nick Lincoln","startTime":2291.42,"endTime":2294.48,"body":"should be renamed the run out of"},{"speaker":"Nick Lincoln","startTime":2294.48,"endTime":2296.6,"body":"money before you want to"},{"speaker":"Andy Hart","startTime":2296.6,"endTime":2298.3399999999997,"body":"have, like, real"},{"speaker":"Andy Hart","startTime":2296.6,"endTime":2298.3399999999997,"body":"trusty, that's the real"},{"speaker":"Andy Hart","startTime":2298.88,"endTime":2300.8599999999997,"body":"allocation, not the fees that"},{"speaker":"Nick Lincoln","startTime":2301.3399999999997,"endTime":2304.58,"body":"the fees. It's a"},{"speaker":"Nick Lincoln","startTime":2301.3399999999997,"endTime":2304.58,"body":"combination. I guess I get that."},{"speaker":"Nick Lincoln","startTime":2304.64,"endTime":2310.04,"body":"Yeah, so this, so this, this"},{"speaker":"Nick Lincoln","startTime":2304.64,"endTime":2310.04,"body":"Evelyn isa wrapper has a four"},{"speaker":"Nick Lincoln","startTime":2310.04,"endTime":2313.46,"body":"different charges. One is called"},{"speaker":"Nick Lincoln","startTime":2310.04,"endTime":2313.46,"body":"product ongoing costs. And these"},{"speaker":"Nick Lincoln","startTime":2313.46,"endTime":2315.8599999999997,"body":"are all annual charges, product"},{"speaker":"Nick Lincoln","startTime":2313.46,"endTime":2315.8599999999997,"body":"ongoing costs. And you think"},{"speaker":"Nick Lincoln","startTime":2315.8599999999997,"endTime":2318.58,"body":"that would encompass everything."},{"speaker":"Nick Lincoln","startTime":2315.8599999999997,"endTime":2318.58,"body":"But no, that's that's got its"},{"speaker":"Nick Lincoln","startTime":2318.58,"endTime":2322.06,"body":"own line. That's 1.53% then"},{"speaker":"Nick Lincoln","startTime":2318.58,"endTime":2322.06,"body":"you've got product transaction"},{"speaker":"Nick Lincoln","startTime":2322.06,"endTime":2326.8599999999997,"body":"costs, which is 0.27% I guess"},{"speaker":"Nick Lincoln","startTime":2322.06,"endTime":2326.8599999999997,"body":"that's things like buying, just"},{"speaker":"Nick Lincoln","startTime":2327.1,"endTime":2329.92,"body":"disbursements that the fund"},{"speaker":"Nick Lincoln","startTime":2327.1,"endTime":2329.92,"body":"manager has for getting, getting"},{"speaker":"Nick Lincoln","startTime":2329.92,"endTime":2332.56,"body":"information on companies and so"},{"speaker":"Nick Lincoln","startTime":2329.92,"endTime":2332.56,"body":"forth. You've got the platform"},{"speaker":"Nick Lincoln","startTime":2332.56,"endTime":2335.2599999999998,"body":"for you, which is point three,"},{"speaker":"Nick Lincoln","startTime":2332.56,"endTime":2335.2599999999998,"body":"6% it's not that. It's not"},{"speaker":"Nick Lincoln","startTime":2335.2599999999998,"endTime":2339.06,"body":"brilliant, it's not bad. It's"},{"speaker":"Nick Lincoln","startTime":2335.2599999999998,"endTime":2339.06,"body":"but it's just it's slightly"},{"speaker":"Nick Lincoln","startTime":2339.06,"endTime":2341.46,"body":"average, let's say. And then"},{"speaker":"Nick Lincoln","startTime":2339.06,"endTime":2341.46,"body":"you've got a service fee, which"},{"speaker":"Nick Lincoln","startTime":2341.46,"endTime":2347.04,"body":"I guess is 0.68% which I presume"},{"speaker":"Nick Lincoln","startTime":2341.46,"endTime":2347.04,"body":"that's for whatever ongoing"},{"speaker":"Nick Lincoln","startTime":2347.04,"endTime":2350.7,"body":"service you get from from this"},{"speaker":"Nick Lincoln","startTime":2347.04,"endTime":2350.7,"body":"company. And it adds up to put"},{"speaker":"Nick Lincoln","startTime":2350.7,"endTime":2355.5,"body":"2.84% My understanding is, as"},{"speaker":"Nick Lincoln","startTime":2350.7,"endTime":2355.5,"body":"well, the dealing fees are still"},{"speaker":"Nick Lincoln","startTime":2355.5,"endTime":2358.7599999999998,"body":"not included in these figures."},{"speaker":"Nick Lincoln","startTime":2355.5,"endTime":2358.7599999999998,"body":"And I think this is an active"},{"speaker":"Nick Lincoln","startTime":2358.7599999999998,"endTime":2361.7,"body":"portfolio, and active will mean"},{"speaker":"Nick Lincoln","startTime":2358.7599999999998,"endTime":2361.7,"body":"there's activity going on. It'll"},{"speaker":"Nick Lincoln","startTime":2361.7,"endTime":2365.3599999999997,"body":"be, I imagine the portfolio will"},{"speaker":"Nick Lincoln","startTime":2361.7,"endTime":2365.3599999999997,"body":"have a higher level of turnover,"},{"speaker":"Nick Lincoln","startTime":2365.6,"endTime":2370.04,"body":"and if that's the case, that can"},{"speaker":"Nick Lincoln","startTime":2365.6,"endTime":2370.04,"body":"add 80 to 100 bibs onto onto the"},{"speaker":"Nick Lincoln","startTime":2370.04,"endTime":2372.74,"body":"fees that aren't, still, not, I"},{"speaker":"Nick Lincoln","startTime":2370.04,"endTime":2372.74,"body":"don't believe, put out into the"},{"speaker":"Nick Lincoln","startTime":2372.74,"endTime":2375.2599999999998,"body":"public domain. So we're looking"},{"speaker":"Nick Lincoln","startTime":2372.74,"endTime":2375.2599999999998,"body":"at, I think, a portfolio here"},{"speaker":"Nick Lincoln","startTime":2375.2599999999998,"endTime":2379.3599999999997,"body":"that's costing north of 3% per"},{"speaker":"Nick Lincoln","startTime":2375.2599999999998,"endTime":2379.3599999999997,"body":"annum. It's in a cautious"},{"speaker":"Nick Lincoln","startTime":2379.3599999999997,"endTime":2382.48,"body":"portfolio. Now, you know, we, I"},{"speaker":"Nick Lincoln","startTime":2379.3599999999997,"endTime":2382.48,"body":"think inflation, an inflation"},{"speaker":"Nick Lincoln","startTime":2382.8399999999997,"endTime":2384.94,"body":"rate that we've got to"},{"speaker":"Nick Lincoln","startTime":2382.8399999999997,"endTime":2384.94,"body":"experience over lifetimes, are"},{"speaker":"Nick Lincoln","startTime":2384.94,"endTime":2387.58,"body":"gonna be around four to 5%"},{"speaker":"Nick Lincoln","startTime":2384.94,"endTime":2387.58,"body":"forget the government target."},{"speaker":"Nick Lincoln","startTime":2387.58,"endTime":2389.92,"body":"That's, that's the CPI is based"},{"speaker":"Nick Lincoln","startTime":2387.58,"endTime":2389.92,"body":"on things that don't go up in"},{"speaker":"Nick Lincoln","startTime":2389.92,"endTime":2392.5,"body":"value. We don't shop a primer."},{"speaker":"Nick Lincoln","startTime":2389.92,"endTime":2392.5,"body":"We don't always get little so"},{"speaker":"Nick Lincoln","startTime":2392.5,"endTime":2395.7999999999997,"body":"you're looking at a portfolio"},{"speaker":"Nick Lincoln","startTime":2392.5,"endTime":2395.7999999999997,"body":"that's got to earn well over 3%"},{"speaker":"Nick Lincoln","startTime":2396.16,"endTime":2399.96,"body":"just to stand still, just to"},{"speaker":"Nick Lincoln","startTime":2396.16,"endTime":2399.96,"body":"stand still each year, and to"},{"speaker":"Nick Lincoln","startTime":2399.96,"endTime":2405.66,"body":"keep pace seven to 8% a year."},{"speaker":"Nick Lincoln","startTime":2399.96,"endTime":2405.66,"body":"And this is a cautious"},{"speaker":"Nick Lincoln","startTime":2405.66,"endTime":2408.54,"body":"portfolio. We know what that"},{"speaker":"Nick Lincoln","startTime":2405.66,"endTime":2408.54,"body":"means. That means it's 100 100%"},{"speaker":"Nick Lincoln","startTime":2409.7999999999997,"endTime":2413.64,"body":"must be near 100% in bonds. I"},{"speaker":"Nick Lincoln","startTime":2409.7999999999997,"endTime":2413.64,"body":"just think this is, this is what"},{"speaker":"Nick Lincoln","startTime":2413.64,"endTime":2416.66,"body":"we're still up against. To me,"},{"speaker":"Nick Lincoln","startTime":2413.64,"endTime":2416.66,"body":"that's, that's, I don't know how"},{"speaker":"Nick Lincoln","startTime":2416.66,"endTime":2419.12,"body":"you can justify this, so I"},{"speaker":"Nick Lincoln","startTime":2416.66,"endTime":2419.12,"body":"thought I just see what service"},{"speaker":"Nick Lincoln","startTime":2419.12,"endTime":2420.08,"body":"you get for this three"},{"speaker":"Andy Hart","startTime":2420.14,"endTime":2422.6,"body":"there's north of 3%"},{"speaker":"Andy Hart","startTime":2420.14,"endTime":2422.6,"body":"fully legal, fully compliant."},{"speaker":"Andy Hart","startTime":2422.6,"endTime":2425.48,"body":"Nick fully legal, fully"},{"speaker":"Andy Hart","startTime":2422.6,"endTime":2425.48,"body":"compliant. Definitely,"},{"speaker":"Nick Lincoln","startTime":2425.48,"endTime":2428.7799999999997,"body":"my friend, because"},{"speaker":"Nick Lincoln","startTime":2425.48,"endTime":2428.7799999999997,"body":"the services you get for paying"},{"speaker":"Nick Lincoln","startTime":2428.96,"endTime":2433.1,"body":"3% plus a year include access to"},{"speaker":"Nick Lincoln","startTime":2428.96,"endTime":2433.1,"body":"and support from our back office"},{"speaker":"Nick Lincoln","startTime":2433.1,"endTime":2437.56,"body":"teams. Oh, well, I'm definitely"},{"speaker":"Nick Lincoln","startTime":2433.1,"endTime":2437.56,"body":"up for that. Sign me up and"},{"speaker":"Nick Lincoln","startTime":2437.56,"endTime":2440.38,"body":"ongoing suitability reviews to"},{"speaker":"Nick Lincoln","startTime":2437.56,"endTime":2440.38,"body":"provide a recap of previous"},{"speaker":"Nick Lincoln","startTime":2440.38,"endTime":2443.2,"body":"advice and assess confirm the"},{"speaker":"Nick Lincoln","startTime":2440.38,"endTime":2443.2,"body":"suitability of your tax wrappers"},{"speaker":"Nick Lincoln","startTime":2443.2,"endTime":2446.02,"body":"and investments, typically every"},{"speaker":"Nick Lincoln","startTime":2443.2,"endTime":2446.02,"body":"12 months. Okay, so I'm paying"},{"speaker":"Nick Lincoln","startTime":2446.02,"endTime":2448.6,"body":"you so you can tick a compliance"},{"speaker":"Nick Lincoln","startTime":2446.02,"endTime":2448.6,"body":"box that you have to do that's"},{"speaker":"Nick Lincoln","startTime":2448.6,"endTime":2450.7,"body":"that's a value add to me. Is"},{"speaker":"Nick Lincoln","startTime":2448.6,"endTime":2450.7,"body":"that okay? Like it, although"},{"speaker":"Nick Lincoln","startTime":2450.7,"endTime":2453.04,"body":"they will support you with"},{"speaker":"Nick Lincoln","startTime":2450.7,"endTime":2453.04,"body":"additional contributions and"},{"speaker":"Nick Lincoln","startTime":2453.04,"endTime":2455.7999999999997,"body":"withdrawals based around your"},{"speaker":"Nick Lincoln","startTime":2453.04,"endTime":2455.7999999999997,"body":"overall plan, as well as the tax"},{"speaker":"Nick Lincoln","startTime":2455.7999999999997,"endTime":2458.4,"body":"wrappers. Oh, so you'll do top"},{"speaker":"Nick Lincoln","startTime":2455.7999999999997,"endTime":2458.4,"body":"ups for me to my existing isa"},{"speaker":"Nick Lincoln","startTime":2458.4,"endTime":2460.92,"body":"each year, and that's what I'm"},{"speaker":"Nick Lincoln","startTime":2458.4,"endTime":2460.92,"body":"paying you, north of 3% a year"},{"speaker":"Nick Lincoln","startTime":2460.92,"endTime":2463.62,"body":"for there's very little mention"},{"speaker":"Nick Lincoln","startTime":2460.92,"endTime":2463.62,"body":"of planning in any of this,"},{"speaker":"Nick Lincoln","startTime":2463.62,"endTime":2467.04,"body":"either in the ongoing service or"},{"speaker":"Nick Lincoln","startTime":2463.62,"endTime":2467.04,"body":"the initial service. In fact,"},{"speaker":"Nick Lincoln","startTime":2467.04,"endTime":2469.68,"body":"the initial the initial plan,"},{"speaker":"Nick Lincoln","startTime":2467.04,"endTime":2469.68,"body":"part of their website said it"},{"speaker":"Nick Lincoln","startTime":2469.68,"endTime":2472.3199999999997,"body":"was more about products. We will"},{"speaker":"Nick Lincoln","startTime":2469.68,"endTime":2472.3199999999997,"body":"help make sure you will organize"},{"speaker":"Nick Lincoln","startTime":2472.3199999999997,"endTime":2474.7799999999997,"body":"your products to get them in"},{"speaker":"Nick Lincoln","startTime":2472.3199999999997,"endTime":2474.7799999999997,"body":"line with your plan. Spend time"},{"speaker":"Nick Lincoln","startTime":2474.7799999999997,"endTime":2477.2599999999998,"body":"to mention the plans when they."},{"speaker":"Nick Lincoln","startTime":2474.7799999999997,"endTime":2477.2599999999998,"body":"Getting the products aligned"},{"speaker":"Nick Lincoln","startTime":2477.2599999999998,"endTime":2479.9,"body":"with the plan. I don't know it's"},{"speaker":"Nick Lincoln","startTime":2477.2599999999998,"endTime":2479.9,"body":"I've got to be careful what I"},{"speaker":"Nick Lincoln","startTime":2479.9,"endTime":2483.5,"body":"say. That just seems extremely"},{"speaker":"Nick Lincoln","startTime":2479.9,"endTime":2483.5,"body":"punchy. And here we are worrying"},{"speaker":"Nick Lincoln","startTime":2483.5,"endTime":2486.44,"body":"sometimes about moving clients"},{"speaker":"Nick Lincoln","startTime":2483.5,"endTime":2486.44,"body":"to a platform there might be 5%"},{"speaker":"Nick Lincoln","startTime":2486.92,"endTime":2490.64,"body":"five bits more expensive than"},{"speaker":"Nick Lincoln","startTime":2486.92,"endTime":2490.64,"body":"than something else. Trappist"},{"speaker":"Nick Lincoln","startTime":2490.64,"endTime":2493.8199999999997,"body":"make of this what you will, but"},{"speaker":"Nick Lincoln","startTime":2490.64,"endTime":2493.8199999999997,"body":"there's a whole sea of mess out"},{"speaker":"Nick Lincoln","startTime":2493.8199999999997,"endTime":2497.02,"body":"there, and we are just trying to"},{"speaker":"Nick Lincoln","startTime":2493.8199999999997,"endTime":2497.02,"body":"swim our way out of it, slowly,"},{"speaker":"Nick Lincoln","startTime":2497.2599999999998,"endTime":2498.04,"body":"any thoughts, just,"},{"speaker":"Alan Smith","startTime":2498.04,"endTime":2500.98,"body":"just briefly, on"},{"speaker":"Alan Smith","startTime":2498.04,"endTime":2500.98,"body":"that, if I may. So if that is"},{"speaker":"Alan Smith","startTime":2500.98,"endTime":2504.04,"body":"predominantly in fixed interest"},{"speaker":"Alan Smith","startTime":2500.98,"endTime":2504.04,"body":"securities, which you got to"},{"speaker":"Alan Smith","startTime":2504.04,"endTime":2508.12,"body":"imagine, it is described as a"},{"speaker":"Alan Smith","startTime":2504.04,"endTime":2508.12,"body":"cautious portfolio. It's going"},{"speaker":"Alan Smith","startTime":2508.12,"endTime":2511.8399999999997,"body":"to be 80% bonds of some"},{"speaker":"Alan Smith","startTime":2508.12,"endTime":2511.8399999999997,"body":"description. So ignoring this"},{"speaker":"Alan Smith","startTime":2511.8399999999997,"endTime":2514.8399999999997,"body":"for a second, what's the, what's"},{"speaker":"Alan Smith","startTime":2511.8399999999997,"endTime":2514.8399999999997,"body":"the long term expected real rate"},{"speaker":"Alan Smith","startTime":2514.8399999999997,"endTime":2519.06,"body":"of return from a predominantly"},{"speaker":"Alan Smith","startTime":2514.8399999999997,"endTime":2519.06,"body":"bond portfolio? I mean, it's 2%"},{"speaker":"Alan Smith","startTime":2519.96,"endTime":2525.72,"body":"maybe before just a bond, put"},{"speaker":"Alan Smith","startTime":2519.96,"endTime":2525.72,"body":"one, one to two. That's just a"},{"speaker":"Alan Smith","startTime":2525.72,"endTime":2528.66,"body":"reasonable assumption. Long"},{"speaker":"Alan Smith","startTime":2525.72,"endTime":2528.66,"body":"term, most capital market"},{"speaker":"Alan Smith","startTime":2528.8399999999997,"endTime":2535.02,"body":"assumptions before costs, you"},{"speaker":"Alan Smith","startTime":2528.8399999999997,"endTime":2535.02,"body":"knock off 2% 3% on this, the"},{"speaker":"Alan Smith","startTime":2535.02,"endTime":2538.1,"body":"client is literally going"},{"speaker":"Alan Smith","startTime":2535.02,"endTime":2538.1,"body":"backwards is becoming materially"},{"speaker":"Alan Smith","startTime":2538.1,"endTime":2541.58,"body":"less wealthy over time. So"},{"speaker":"Alan Smith","startTime":2538.1,"endTime":2541.58,"body":"there, this is, this is, we"},{"speaker":"Alan Smith","startTime":2541.58,"endTime":2544.94,"body":"talked about this before many"},{"speaker":"Alan Smith","startTime":2541.58,"endTime":2544.94,"body":"times. This is just a silent"},{"speaker":"Alan Smith","startTime":2544.94,"endTime":2549.5,"body":"transfer of wealth from the"},{"speaker":"Alan Smith","startTime":2544.94,"endTime":2549.5,"body":"retail public to some investment"},{"speaker":"Alan Smith","startTime":2549.5,"endTime":2552.02,"body":"managers, portfolio, whatever,"},{"speaker":"Alan Smith","startTime":2549.5,"endTime":2552.02,"body":"wherever they call themselves."},{"speaker":"Alan Smith","startTime":2552.2599999999998,"endTime":2555.5,"body":"And it's got and it but as you"},{"speaker":"Alan Smith","startTime":2552.2599999999998,"endTime":2555.5,"body":"say, Andy, it's legal. It's"},{"speaker":"Alan Smith","startTime":2555.5,"endTime":2561.22,"body":"fully disclosed. It's all there."},{"speaker":"Alan Smith","startTime":2555.5,"endTime":2561.22,"body":"It's it's a real, real issue for"},{"speaker":"Alan Smith","startTime":2561.2799999999997,"endTime":2564.22,"body":"the industry. It's compliant,"},{"speaker":"Alan Smith","startTime":2561.2799999999997,"endTime":2564.22,"body":"because it's fully they've told"},{"speaker":"Alan Smith","startTime":2564.22,"endTime":2566.74,"body":"them how much they're paying,"},{"speaker":"Alan Smith","startTime":2564.22,"endTime":2566.74,"body":"but the client is actually not,"},{"speaker":"Alan Smith","startTime":2566.74,"endTime":2569.8599999999997,"body":"even if they get financial"},{"speaker":"Alan Smith","startTime":2566.74,"endTime":2569.8599999999997,"body":"planning, but actually worse off"},{"speaker":"Alan Smith","startTime":2570.04,"endTime":2574.06,"body":"as a result, their their assets"},{"speaker":"Alan Smith","startTime":2570.04,"endTime":2574.06,"body":"are dissolving in front of their"},{"speaker":"Alan Smith","startTime":2574.06,"endTime":2576.4,"body":"eyes, and particularly over the"},{"speaker":"Alan Smith","startTime":2574.06,"endTime":2576.4,"body":"long term. That's the that's the"},{"speaker":"Alan Smith","startTime":2576.4,"endTime":2578.4,"body":"first thing. And the other thing"},{"speaker":"Alan Smith","startTime":2576.4,"endTime":2578.4,"body":"and the other thing I'm just"},{"speaker":"Alan Smith","startTime":2578.4,"endTime":2581.04,"body":"going to throw into the mix here"},{"speaker":"Alan Smith","startTime":2578.4,"endTime":2581.04,"body":"is the all these comparisons of"},{"speaker":"Alan Smith","startTime":2581.04,"endTime":2583.74,"body":"fees and costs and charges is"},{"speaker":"Alan Smith","startTime":2581.04,"endTime":2583.74,"body":"fair enough. And there is this"},{"speaker":"Alan Smith","startTime":2583.74,"endTime":2585.96,"body":"kind of we all know. There's a"},{"speaker":"Alan Smith","startTime":2583.74,"endTime":2585.96,"body":"gut feel around what the total"},{"speaker":"Alan Smith","startTime":2585.96,"endTime":2589.56,"body":"costs are. If you say 1.6 Nick"},{"speaker":"Alan Smith","startTime":2585.96,"endTime":2589.56,"body":"Andy, you might say to your"},{"speaker":"Alan Smith","startTime":2589.56,"endTime":2594.0,"body":"whatever in general terms, is"},{"speaker":"Alan Smith","startTime":2589.56,"endTime":2594.0,"body":"heading down. It is going lower."},{"speaker":"Alan Smith","startTime":2595.3199999999997,"endTime":2598.4,"body":"The biggest challenge, though,"},{"speaker":"Alan Smith","startTime":2595.3199999999997,"endTime":2598.4,"body":"is comparing like with like,"},{"speaker":"Alan Smith","startTime":2598.4,"endTime":2602.96,"body":"because 1.6 for a full fat"},{"speaker":"Alan Smith","startTime":2598.4,"endTime":2602.96,"body":"financial plan, comprehensive,"},{"speaker":"Alan Smith","startTime":2602.96,"endTime":2607.22,"body":"you know, tax planning, real,"},{"speaker":"Alan Smith","startTime":2602.96,"endTime":2607.22,"body":"proper, cash flow based,"},{"speaker":"Alan Smith","startTime":2607.22,"endTime":2610.1,"body":"financial planning, always on"},{"speaker":"Alan Smith","startTime":2607.22,"endTime":2610.1,"body":"call, all those things, bringing"},{"speaker":"Alan Smith","startTime":2610.1,"endTime":2612.74,"body":"ideas, suggestions,"},{"speaker":"Alan Smith","startTime":2610.1,"endTime":2612.74,"body":"recommendations, all that on a"},{"speaker":"Alan Smith","startTime":2612.74,"endTime":2617.8599999999997,"body":"proactive basis, versus 1.4% a"},{"speaker":"Alan Smith","startTime":2612.74,"endTime":2617.8599999999997,"body":"year of exactly that. We'll send"},{"speaker":"Alan Smith","startTime":2617.8599999999997,"endTime":2621.22,"body":"you out a statement once a year"},{"speaker":"Alan Smith","startTime":2617.8599999999997,"endTime":2621.22,"body":"or whatever. And this is the"},{"speaker":"Alan Smith","startTime":2621.22,"endTime":2623.68,"body":"thing we must always remember,"},{"speaker":"Alan Smith","startTime":2621.22,"endTime":2623.68,"body":"is we've got to compare. All"},{"speaker":"Alan Smith","startTime":2623.68,"endTime":2627.16,"body":"right, the fees are the fees."},{"speaker":"Alan Smith","startTime":2623.68,"endTime":2627.16,"body":"But what is the actual service"},{"speaker":"Alan Smith","startTime":2627.16,"endTime":2629.62,"body":"experience? What is being"},{"speaker":"Alan Smith","startTime":2627.16,"endTime":2629.62,"body":"delivered? Because, and I should"},{"speaker":"Alan Smith","startTime":2629.62,"endTime":2632.68,"body":"we'll probably come on to that"},{"speaker":"Alan Smith","startTime":2629.62,"endTime":2632.68,"body":"in a second on the last or one"},{"speaker":"Alan Smith","startTime":2632.68,"endTime":2635.68,"body":"of the last topical tidbits. But"},{"speaker":"Alan Smith","startTime":2632.68,"endTime":2635.68,"body":"that's the key thing to be make"},{"speaker":"Alan Smith","startTime":2635.68,"endTime":2637.38,"body":"sure we're comparing apples with"},{"speaker":"Alan Smith","startTime":2635.68,"endTime":2637.38,"body":"apples."},{"speaker":"Carl Widger","startTime":2638.88,"endTime":2642.12,"body":"Yeah, it's a fair"},{"speaker":"Carl Widger","startTime":2638.88,"endTime":2642.12,"body":"point. Alan, and I get it. The"},{"speaker":"Carl Widger","startTime":2642.12,"endTime":2645.06,"body":"thing that drives me mad about"},{"speaker":"Carl Widger","startTime":2642.12,"endTime":2645.06,"body":"some of these discretionary fund"},{"speaker":"Carl Widger","startTime":2645.06,"endTime":2649.08,"body":"managers is that what does the"},{"speaker":"Carl Widger","startTime":2645.06,"endTime":2649.08,"body":"client, that particular client,"},{"speaker":"Carl Widger","startTime":2649.08,"endTime":2652.56,"body":"think they're paying? So I"},{"speaker":"Carl Widger","startTime":2649.08,"endTime":2652.56,"body":"promise you, the number that's"},{"speaker":"Carl Widger","startTime":2652.56,"endTime":2656.3599999999997,"body":"stuck in the client's head is"},{"speaker":"Carl Widger","startTime":2652.56,"endTime":2656.3599999999997,"body":"point six, 8% because that's"},{"speaker":"Carl Widger","startTime":2656.3599999999997,"endTime":2659.7799999999997,"body":"what they said. That's our"},{"speaker":"Carl Widger","startTime":2656.3599999999997,"endTime":2659.7799999999997,"body":"service fee, right? So this has"},{"speaker":"Carl Widger","startTime":2659.7799999999997,"endTime":2663.2,"body":"happened to me a good few times"},{"speaker":"Carl Widger","startTime":2659.7799999999997,"endTime":2663.2,"body":"in the last year or so, where"},{"speaker":"Carl Widger","startTime":2663.2,"endTime":2667.3399999999997,"body":"clients who are with some of the"},{"speaker":"Carl Widger","startTime":2663.2,"endTime":2667.3399999999997,"body":"bigger houses saying, oh, right,"},{"speaker":"Carl Widger","startTime":2667.3399999999997,"endTime":2672.56,"body":"so the metazol in fee will be"},{"speaker":"Carl Widger","startTime":2667.3399999999997,"endTime":2672.56,"body":"1.35% but sure, I'm only paying"},{"speaker":"Carl Widger","startTime":2672.56,"endTime":2675.74,"body":"point seven, five, where I am at"},{"speaker":"Carl Widger","startTime":2672.56,"endTime":2675.74,"body":"the moment, and you're like,"},{"speaker":"Carl Widger","startTime":2676.1,"endTime":2680.38,"body":"you're not, but it sounds again,"},{"speaker":"Carl Widger","startTime":2676.1,"endTime":2680.38,"body":"you know, we have to go and"},{"speaker":"Carl Widger","startTime":2680.38,"endTime":2683.02,"body":"demonstrate and prove, and"},{"speaker":"Carl Widger","startTime":2680.38,"endTime":2683.02,"body":"sometimes you're kind of losing"},{"speaker":"Carl Widger","startTime":2683.02,"endTime":2685.7799999999997,"body":"when you're explaining. So"},{"speaker":"Carl Widger","startTime":2683.02,"endTime":2685.7799999999997,"body":"that's the other thing that"},{"speaker":"Carl Widger","startTime":2685.7799999999997,"endTime":2689.44,"body":"really, really, really does bug"},{"speaker":"Carl Widger","startTime":2685.7799999999997,"endTime":2689.44,"body":"me. The clients do not know that"},{"speaker":"Carl Widger","startTime":2689.44,"endTime":2692.68,"body":"they are paying those level of"},{"speaker":"Carl Widger","startTime":2689.44,"endTime":2692.68,"body":"fees, in my experience, and they"},{"speaker":"Andy Hart","startTime":2692.68,"endTime":2694.54,"body":"also don't want to"},{"speaker":"Andy Hart","startTime":2692.68,"endTime":2694.54,"body":"feel silly that they've been"},{"speaker":"Andy Hart","startTime":2694.54,"endTime":2700.2599999999998,"body":"duped. A bit true. There's that"},{"speaker":"Andy Hart","startTime":2694.54,"endTime":2700.2599999999998,"body":"fallacy where they've sort of"},{"speaker":"Andy Hart","startTime":2700.2599999999998,"endTime":2702.42,"body":"built it. They've sort of"},{"speaker":"Andy Hart","startTime":2700.2599999999998,"endTime":2702.42,"body":"committed to it. They've told"},{"speaker":"Andy Hart","startTime":2702.42,"endTime":2705.66,"body":"their partner that this is a"},{"speaker":"Andy Hart","startTime":2702.42,"endTime":2705.66,"body":"safe place for a life savings"},{"speaker":"Andy Hart","startTime":2705.66,"endTime":2710.2799999999997,"body":"again, moving away is sometimes"},{"speaker":"Andy Hart","startTime":2705.66,"endTime":2710.2799999999997,"body":"a lot more high friction. Yeah,"},{"speaker":"Andy Hart","startTime":2710.46,"endTime":2710.7599999999998,"body":"100%"},{"speaker":"Carl Widger","startTime":2712.5,"endTime":2714.12,"body":"okay, well done for"},{"speaker":"Carl Widger","startTime":2712.5,"endTime":2714.12,"body":"bringing it up. Nick It's"},{"speaker":"Carl Widger","startTime":2714.12,"endTime":2714.66,"body":"important."},{"speaker":"Nick Lincoln","startTime":2714.7799999999997,"endTime":2717.2599999999998,"body":"Yeah, yeah. I got"},{"speaker":"Nick Lincoln","startTime":2714.7799999999997,"endTime":2717.2599999999998,"body":"to tread carefully as well, but"},{"speaker":"Nick Lincoln","startTime":2717.2599999999998,"endTime":2720.98,"body":"thank you, right? So we've got"},{"speaker":"Nick Lincoln","startTime":2717.2599999999998,"endTime":2720.98,"body":"to 44 minutes, guys. So watch"},{"speaker":"Nick Lincoln","startTime":2720.98,"endTime":2721.94,"body":"central bank."},{"speaker":"Carl Widger","startTime":2723.68,"endTime":2725.72,"body":"Yeah, just a very"},{"speaker":"Carl Widger","startTime":2723.68,"endTime":2725.72,"body":"quick one. I thought this one"},{"speaker":"Carl Widger","startTime":2725.72,"endTime":2728.66,"body":"was interesting. So the central"},{"speaker":"Carl Widger","startTime":2725.72,"endTime":2728.66,"body":"bank have come out and kind of"},{"speaker":"Carl Widger","startTime":2729.08,"endTime":2734.0,"body":"given a little slap on the wrist"},{"speaker":"Carl Widger","startTime":2729.08,"endTime":2734.0,"body":"for investment firms and fund"},{"speaker":"Carl Widger","startTime":2734.0,"endTime":2738.52,"body":"managers, saying that some of"},{"speaker":"Carl Widger","startTime":2734.0,"endTime":2738.52,"body":"the advertising, some of the"},{"speaker":"Carl Widger","startTime":2738.52,"endTime":2742.12,"body":"marketing should be falling"},{"speaker":"Carl Widger","startTime":2738.52,"endTime":2742.12,"body":"under advertising rules, where"},{"speaker":"Carl Widger","startTime":2742.12,"endTime":2744.94,"body":"you have to say, this is an"},{"speaker":"Carl Widger","startTime":2742.12,"endTime":2744.94,"body":"advert. And they were kind of"},{"speaker":"Carl Widger","startTime":2744.94,"endTime":2747.58,"body":"saying that, you know, if you're"},{"speaker":"Carl Widger","startTime":2744.94,"endTime":2747.58,"body":"writing loads of thought"},{"speaker":"Carl Widger","startTime":2747.58,"endTime":2752.98,"body":"leadership things, you know,"},{"speaker":"Carl Widger","startTime":2747.58,"endTime":2752.98,"body":"that's kind of inverted"},{"speaker":"Carl Widger","startTime":2753.04,"endTime":2756.22,"body":"advertising. So it's just"},{"speaker":"Carl Widger","startTime":2753.04,"endTime":2756.22,"body":"interesting. It's kind of,"},{"speaker":"Carl Widger","startTime":2756.22,"endTime":2760.44,"body":"there's, there are gray areas"},{"speaker":"Carl Widger","startTime":2756.22,"endTime":2760.44,"body":"there. But look, any kind of"},{"speaker":"Carl Widger","startTime":2760.44,"endTime":2763.5,"body":"stuff that the central bank can"},{"speaker":"Carl Widger","startTime":2760.44,"endTime":2763.5,"body":"come out and bear their teeth a"},{"speaker":"Carl Widger","startTime":2763.5,"endTime":2766.68,"body":"little bit more, I think, is a"},{"speaker":"Carl Widger","startTime":2763.5,"endTime":2766.68,"body":"good thing. So, yeah, nothing,"},{"speaker":"Carl Widger","startTime":2767.04,"endTime":2769.98,"body":"nothing more to say on that."},{"speaker":"Carl Widger","startTime":2767.04,"endTime":2769.98,"body":"But, uh, yeah, it seems like"},{"speaker":"Carl Widger","startTime":2769.98,"endTime":2773.94,"body":"they are, they are actually"},{"speaker":"Carl Widger","startTime":2769.98,"endTime":2773.94,"body":"putting into place, or, you"},{"speaker":"Carl Widger","startTime":2773.94,"endTime":2775.74,"body":"know, bit of action, which is"},{"speaker":"Carl Widger","startTime":2773.94,"endTime":2775.74,"body":"good."},{"speaker":"Andy Hart","startTime":2775.7999999999997,"endTime":2778.22,"body":"So. Your half century"},{"speaker":"Andy Hart","startTime":2775.7999999999997,"endTime":2778.22,"body":"Chronicles are going to be"},{"speaker":"Andy Hart","startTime":2778.2799999999997,"endTime":2780.62,"body":"regulated advertising under the"},{"speaker":"Andy Hart","startTime":2778.2799999999997,"endTime":2780.62,"body":"new rules."},{"speaker":"Carl Widger","startTime":2781.1,"endTime":2783.62,"body":"Well, maybe not,"},{"speaker":"Carl Widger","startTime":2781.1,"endTime":2783.62,"body":"but, well, we do write a lot of"},{"speaker":"Carl Widger","startTime":2783.62,"endTime":2787.2799999999997,"body":"blogs about, you know, generally"},{"speaker":"Carl Widger","startTime":2783.62,"endTime":2787.2799999999997,"body":"speaking. And as"},{"speaker":"Andy Hart","startTime":2787.2799999999997,"endTime":2789.02,"body":"you know, I create a"},{"speaker":"Andy Hart","startTime":2787.2799999999997,"endTime":2789.02,"body":"lot of content and thought"},{"speaker":"Andy Hart","startTime":2789.02,"endTime":2792.74,"body":"leadership, you know, yeah, non"},{"speaker":"Andy Hart","startTime":2789.02,"endTime":2792.74,"body":"mentioning of products, general"},{"speaker":"Andy Hart","startTime":2792.74,"endTime":2796.52,"body":"lifestyle stuff. And, yeah,"},{"speaker":"Andy Hart","startTime":2792.74,"endTime":2796.52,"body":"okay, that gets you're"},{"speaker":"Carl Widger","startTime":2796.519,"endTime":2799.5389999999998,"body":"kind of thinking,"},{"speaker":"Carl Widger","startTime":2796.519,"endTime":2799.5389999999998,"body":"um, you know, I'm and we"},{"speaker":"Carl Widger","startTime":2799.5989999999997,"endTime":2802.239,"body":"definitely, when I'm shouting"},{"speaker":"Carl Widger","startTime":2799.5989999999997,"endTime":2802.239,"body":"the road about it all the time,"},{"speaker":"Carl Widger","startTime":2802.239,"endTime":2805.5389999999998,"body":"we definitely can't go the wrong"},{"speaker":"Carl Widger","startTime":2802.239,"endTime":2805.5389999999998,"body":"side of the road on that one."},{"speaker":"Carl Widger","startTime":2805.5389999999998,"endTime":2809.019,"body":"So, um, yeah, it's just food for"},{"speaker":"Carl Widger","startTime":2805.5389999999998,"endTime":2809.019,"body":"thought. Well, look, any, any,"},{"speaker":"Carl Widger","startTime":2809.019,"endTime":2812.499,"body":"any, you know, if, if there's"},{"speaker":"Carl Widger","startTime":2809.019,"endTime":2812.499,"body":"the writing, dear CEO letters on"},{"speaker":"Carl Widger","startTime":2812.499,"endTime":2815.739,"body":"this stuff, then that is good."},{"speaker":"Carl Widger","startTime":2812.499,"endTime":2815.739,"body":"That is good. We need more"},{"speaker":"Carl Widger","startTime":2815.739,"endTime":2818.5789999999997,"body":"regulation. We need to smarten"},{"speaker":"Carl Widger","startTime":2815.739,"endTime":2818.5789999999997,"body":"ourselves up here."},{"speaker":"Nick Lincoln","startTime":2819.6,"endTime":2823.74,"body":"Hockey, docky,"},{"speaker":"Nick Lincoln","startTime":2819.6,"endTime":2823.74,"body":"thank you. Storyteller, review,"},{"speaker":"Nick Lincoln","startTime":2824.52,"endTime":2825.48,"body":"consolidation. This"},{"speaker":"Alan Smith","startTime":2825.48,"endTime":2829.08,"body":"is the thing. Yeah,"},{"speaker":"Alan Smith","startTime":2825.48,"endTime":2829.08,"body":"well, this is the dear CEO thing"},{"speaker":"Alan Smith","startTime":2829.08,"endTime":2832.2599999999998,"body":"just continued. This is just"},{"speaker":"Alan Smith","startTime":2829.08,"endTime":2832.2599999999998,"body":"highlighting. It's been all over"},{"speaker":"Andy Hart","startTime":2832.2599999999998,"endTime":2834.42,"body":"this again, is"},{"speaker":"Andy Hart","startTime":2832.2599999999998,"endTime":2834.42,"body":"massive. The trade press. This"},{"speaker":"Andy Hart","startTime":2834.42,"endTime":2834.72,"body":"is this."},{"speaker":"Alan Smith","startTime":2835.92,"endTime":2838.7,"body":"So this is, this is"},{"speaker":"Alan Smith","startTime":2835.92,"endTime":2838.7,"body":"huge. I've had a few off the"},{"speaker":"Alan Smith","startTime":2838.7,"endTime":2841.52,"body":"record conversations with a few"},{"speaker":"Alan Smith","startTime":2838.7,"endTime":2841.52,"body":"influential people in the last"},{"speaker":"Alan Smith","startTime":2841.52,"endTime":2845.3599999999997,"body":"week. There's a lot of, as I"},{"speaker":"Alan Smith","startTime":2841.52,"endTime":2845.3599999999997,"body":"say, reports out in the press."},{"speaker":"Alan Smith","startTime":2845.48,"endTime":2850.52,"body":"So the brief origin story is the"},{"speaker":"Alan Smith","startTime":2845.48,"endTime":2850.52,"body":"FC AR regulator sent out what is"},{"speaker":"Alan Smith","startTime":2850.7599999999998,"endTime":2856.46,"body":"called a dear CEO letter to the"},{"speaker":"Alan Smith","startTime":2850.7599999999998,"endTime":2856.46,"body":"top 20 by scale, size, assets,"},{"speaker":"Alan Smith","startTime":2856.46,"endTime":2860.02,"body":"revenue, whatever firms in the"},{"speaker":"Alan Smith","startTime":2856.46,"endTime":2860.02,"body":"UK. So you could imagine who"},{"speaker":"Alan Smith","startTime":2860.02,"endTime":2863.5,"body":"those companies were. You know,"},{"speaker":"Alan Smith","startTime":2860.02,"endTime":2863.5,"body":"very well known that St James"},{"speaker":"Alan Smith","startTime":2863.5,"endTime":2865.66,"body":"has placed, I think, with the"},{"speaker":"Alan Smith","startTime":2863.5,"endTime":2865.66,"body":"they are the largest, and they"},{"speaker":"Alan Smith","startTime":2865.72,"endTime":2868.8399999999997,"body":"were the first to receive this."},{"speaker":"Alan Smith","startTime":2865.72,"endTime":2868.8399999999997,"body":"Do you see your letter whereupon"},{"speaker":"Alan Smith","startTime":2868.8399999999997,"endTime":2872.2,"body":"they had to take significant"},{"speaker":"Alan Smith","startTime":2868.8399999999997,"endTime":2872.2,"body":"action to, you know, mitigate"},{"speaker":"Alan Smith","startTime":2872.2,"endTime":2876.1,"body":"against future claims, etc,"},{"speaker":"Alan Smith","startTime":2872.2,"endTime":2876.1,"body":"wrote off best part of half a"},{"speaker":"Alan Smith","startTime":2876.1,"endTime":2879.48,"body":"billion pounds. Share price"},{"speaker":"Alan Smith","startTime":2876.1,"endTime":2879.48,"body":"absolutely collapsed. It's"},{"speaker":"Alan Smith","startTime":2879.48,"endTime":2883.3199999999997,"body":"recovered since somewhat since"},{"speaker":"Alan Smith","startTime":2879.48,"endTime":2883.3199999999997,"body":"then. But there's another 19 to"},{"speaker":"Alan Smith","startTime":2883.3199999999997,"endTime":2887.64,"body":"go after that. And so what I've"},{"speaker":"Alan Smith","startTime":2883.3199999999997,"endTime":2887.64,"body":"heard is that of these 20 dear"},{"speaker":"Alan Smith","startTime":2887.64,"endTime":2893.4,"body":"CEO letters gone out so far, 16"},{"speaker":"Alan Smith","startTime":2887.64,"endTime":2893.4,"body":"of them have now got section 166"},{"speaker":"Alan Smith","startTime":2894.06,"endTime":2898.22,"body":"orders in place, which this is"},{"speaker":"Alan Smith","startTime":2894.06,"endTime":2898.22,"body":"the process that the FCA asks or"},{"speaker":"Alan Smith","startTime":2898.22,"endTime":2902.06,"body":"demands the company does to"},{"speaker":"Alan Smith","startTime":2898.22,"endTime":2902.06,"body":"effectively appoint somebody"},{"speaker":"Alan Smith","startTime":2902.06,"endTime":2904.8199999999997,"body":"like Deloitte or KPMG or"},{"speaker":"Alan Smith","startTime":2902.06,"endTime":2904.8199999999997,"body":"something, and they come up and"},{"speaker":"Alan Smith","startTime":2904.8199999999997,"endTime":2907.7599999999998,"body":"you just, you know, they come"},{"speaker":"Alan Smith","startTime":2904.8199999999997,"endTime":2907.7599999999998,"body":"into your company, lift up the"},{"speaker":"Alan Smith","startTime":2907.7599999999998,"endTime":2910.64,"body":"floorboards, and just look at"},{"speaker":"Alan Smith","startTime":2907.7599999999998,"endTime":2910.64,"body":"every single operation, every"},{"speaker":"Alan Smith","startTime":2910.64,"endTime":2913.94,"body":"part of your business, every"},{"speaker":"Alan Smith","startTime":2910.64,"endTime":2913.94,"body":"aspect of it, there was a"},{"speaker":"Alan Smith","startTime":2914.0,"endTime":2918.16,"body":"absolute shambles. Yeah, there"},{"speaker":"Alan Smith","startTime":2914.0,"endTime":2918.16,"body":"was a report in, I think it was"},{"speaker":"Alan Smith","startTime":2918.16,"endTime":2921.04,"body":"city wire a few days ago where"},{"speaker":"Alan Smith","startTime":2918.16,"endTime":2921.04,"body":"they actually, Andy, you shared"},{"speaker":"Alan Smith","startTime":2921.04,"endTime":2923.8599999999997,"body":"this, I think, with us, but it"},{"speaker":"Alan Smith","startTime":2921.04,"endTime":2923.8599999999997,"body":"broke down the actual the"},{"speaker":"Alan Smith","startTime":2923.8599999999997,"endTime":2927.52,"body":"contents of the information that"},{"speaker":"Alan Smith","startTime":2923.8599999999997,"endTime":2927.52,"body":"the FCA so obviously, this is in"},{"speaker":"Alan Smith","startTime":2927.52,"endTime":2930.16,"body":"the public domain. The FCA have"},{"speaker":"Alan Smith","startTime":2927.52,"endTime":2930.16,"body":"asked so they've said, put it in"},{"speaker":"Alan Smith","startTime":2930.16,"endTime":2933.88,"body":"an Excel spreadsheet. And the"},{"speaker":"Alan Smith","startTime":2930.16,"endTime":2933.88,"body":"level of granularity and detail"},{"speaker":"Alan Smith","startTime":2933.88,"endTime":2936.96,"body":"that has now been required,"},{"speaker":"Alan Smith","startTime":2933.88,"endTime":2936.96,"body":"obviously, the regulator will"},{"speaker":"Alan Smith","startTime":2936.96,"endTime":2940.98,"body":"start with the biggest firms and"},{"speaker":"Alan Smith","startTime":2936.96,"endTime":2940.98,"body":"work the way down. But I think"},{"speaker":"Alan Smith","startTime":2940.98,"endTime":2943.74,"body":"one of the biggest issues is,"},{"speaker":"Alan Smith","startTime":2940.98,"endTime":2943.74,"body":"and what I've heard from some of"},{"speaker":"Alan Smith","startTime":2943.74,"endTime":2947.3399999999997,"body":"these people at these large"},{"speaker":"Alan Smith","startTime":2943.74,"endTime":2947.3399999999997,"body":"organizations is possibly that"},{"speaker":"Alan Smith","startTime":2947.4,"endTime":2950.64,"body":"not much service was being"},{"speaker":"Alan Smith","startTime":2947.4,"endTime":2950.64,"body":"delivered in return for the fee"},{"speaker":"Alan Smith","startTime":2950.64,"endTime":2953.7,"body":"that was being received. But"},{"speaker":"Alan Smith","startTime":2950.64,"endTime":2953.7,"body":"even in the cases where things"},{"speaker":"Alan Smith","startTime":2953.7,"endTime":2957.02,"body":"were being delivered, there's"},{"speaker":"Alan Smith","startTime":2953.7,"endTime":2957.02,"body":"little or no records kept, and"},{"speaker":"Alan Smith","startTime":2957.02,"endTime":2960.68,"body":"which is just it, just to me, it"},{"speaker":"Alan Smith","startTime":2957.02,"endTime":2960.68,"body":"just blows my mind. A little"},{"speaker":"Alan Smith","startTime":2960.68,"endTime":2963.7999999999997,"body":"firm like us, we, you know, it,"},{"speaker":"Alan Smith","startTime":2960.68,"endTime":2963.7999999999997,"body":"we could document anything going"},{"speaker":"Alan Smith","startTime":2963.7999999999997,"endTime":2968.12,"body":"back number of years, even, you"},{"speaker":"Alan Smith","startTime":2963.7999999999997,"endTime":2968.12,"body":"know, an exchange of emails, if"},{"speaker":"Alan Smith","startTime":2968.12,"endTime":2970.8199999999997,"body":"a client wasn't seen for"},{"speaker":"Alan Smith","startTime":2968.12,"endTime":2970.8199999999997,"body":"whatever reason, it's very well"},{"speaker":"Alan Smith","startTime":2970.8199999999997,"endTime":2973.3399999999997,"body":"documented. And to have some of"},{"speaker":"Alan Smith","startTime":2970.8199999999997,"endTime":2973.3399999999997,"body":"these large organizations"},{"speaker":"Alan Smith","startTime":2973.3399999999997,"endTime":2976.1,"body":"saying, Look, we think these"},{"speaker":"Alan Smith","startTime":2973.3399999999997,"endTime":2976.1,"body":"reviews were carried out, but we"},{"speaker":"Alan Smith","startTime":2976.1,"endTime":2979.9,"body":"can't prove it. And with all"},{"speaker":"Alan Smith","startTime":2976.1,"endTime":2979.9,"body":"these external consultants going"},{"speaker":"Alan Smith","startTime":2979.9,"endTime":2982.54,"body":"in, I think we're going to go"},{"speaker":"Alan Smith","startTime":2979.9,"endTime":2982.54,"body":"through the next two years a"},{"speaker":"Alan Smith","startTime":2982.54,"endTime":2986.14,"body":"really, really tough time for"},{"speaker":"Alan Smith","startTime":2982.54,"endTime":2986.14,"body":"the industry, for the sector."},{"speaker":"Alan Smith","startTime":2986.14,"endTime":2989.92,"body":"I'm not sort of, you know,"},{"speaker":"Alan Smith","startTime":2986.14,"endTime":2989.92,"body":"you're laughing at this in any"},{"speaker":"Alan Smith","startTime":2989.92,"endTime":2992.08,"body":"way. I think it's bad for the"},{"speaker":"Alan Smith","startTime":2989.92,"endTime":2992.08,"body":"for the whole, you know, the"},{"speaker":"Alan Smith","startTime":2992.08,"endTime":2996.3599999999997,"body":"industry in general, when this"},{"speaker":"Alan Smith","startTime":2992.08,"endTime":2996.3599999999997,"body":"stuff, this is just kind of new"},{"speaker":"Alan Smith","startTime":2996.3599999999997,"endTime":2999.2999999999997,"body":"information breaking within our"},{"speaker":"Alan Smith","startTime":2996.3599999999997,"endTime":2999.2999999999997,"body":"industry. So the trade press,"},{"speaker":"Alan Smith","startTime":2999.6,"endTime":3002.18,"body":"money, marketing, financial"},{"speaker":"Alan Smith","startTime":2999.6,"endTime":3002.18,"body":"advisor, new model advisor, are"},{"speaker":"Alan Smith","startTime":3002.18,"endTime":3005.66,"body":"quoting it. This is just, ah,"},{"speaker":"Alan Smith","startTime":3002.18,"endTime":3005.66,"body":"this is just red meat to the,"},{"speaker":"Alan Smith","startTime":3005.66,"endTime":3008.8399999999997,"body":"you know, the Nationals, the you"},{"speaker":"Alan Smith","startTime":3005.66,"endTime":3008.8399999999997,"body":"know, the poll, what's his name?"},{"speaker":"Alan Smith","startTime":3008.8399999999997,"endTime":3011.42,"body":"Paul Lewis and a bunch of people"},{"speaker":"Alan Smith","startTime":3008.8399999999997,"endTime":3011.42,"body":"like that. Just say, look, have"},{"speaker":"Alan Smith","startTime":3011.42,"endTime":3014.3599999999997,"body":"you been paying, have you been"},{"speaker":"Alan Smith","startTime":3011.42,"endTime":3014.3599999999997,"body":"paying a back to your point"},{"speaker":"Alan Smith","startTime":3014.3599999999997,"endTime":3016.6,"body":"earlier. Carl, most people don't"},{"speaker":"Alan Smith","startTime":3014.3599999999997,"endTime":3016.6,"body":"even know that they're paying"},{"speaker":"Alan Smith","startTime":3016.96,"endTime":3019.9,"body":"for it. And there's all these"},{"speaker":"Alan Smith","startTime":3016.96,"endTime":3019.9,"body":"instances. Well, I haven't seen"},{"speaker":"Alan Smith","startTime":3019.9,"endTime":3023.14,"body":"my advisor for five years, six"},{"speaker":"Alan Smith","startTime":3019.9,"endTime":3023.14,"body":"years, whatever it might be. So"},{"speaker":"Alan Smith","startTime":3023.14,"endTime":3026.3199999999997,"body":"it's a little bit like a guy"},{"speaker":"Alan Smith","startTime":3023.14,"endTime":3026.3199999999997,"body":"speaking to this morning was"},{"speaker":"Alan Smith","startTime":3026.3199999999997,"endTime":3029.5,"body":"saying, this is a bit like the"},{"speaker":"Alan Smith","startTime":3026.3199999999997,"endTime":3029.5,"body":"forest fires. They come in the"},{"speaker":"Alan Smith","startTime":3029.5,"endTime":3032.02,"body":"very, very damaging. And"},{"speaker":"Alan Smith","startTime":3029.5,"endTime":3032.02,"body":"sometimes forest fires are"},{"speaker":"Alan Smith","startTime":3032.02,"endTime":3035.2,"body":"created intentionally to clear"},{"speaker":"Alan Smith","startTime":3032.02,"endTime":3035.2,"body":"out all the dead wood, yeah."},{"speaker":"Alan Smith","startTime":3035.2599999999998,"endTime":3039.0,"body":"Also, things aren't growing,"},{"speaker":"Alan Smith","startTime":3035.2599999999998,"endTime":3039.0,"body":"aren't and then the other side"},{"speaker":"Alan Smith","startTime":3039.0,"endTime":3042.7799999999997,"body":"of that, you know, is fresh"},{"speaker":"Alan Smith","startTime":3039.0,"endTime":3042.7799999999997,"body":"green shoots come out, you know,"},{"speaker":"Alan Smith","startTime":3042.7799999999997,"endTime":3045.6,"body":"from from the ashes and the"},{"speaker":"Alan Smith","startTime":3042.7799999999997,"endTime":3045.6,"body":"remains of this devastating"},{"speaker":"Alan Smith","startTime":3045.6,"endTime":3048.54,"body":"fire. And I think we're at the"},{"speaker":"Alan Smith","startTime":3045.6,"endTime":3048.54,"body":"beginning of an intentional"},{"speaker":"Alan Smith","startTime":3048.54,"endTime":3052.08,"body":"forest fire across our entire"},{"speaker":"Alan Smith","startTime":3048.54,"endTime":3052.08,"body":"sector. So kind of buckle up."},{"speaker":"Alan Smith","startTime":3052.08,"endTime":3054.48,"body":"It's going to be a difficult"},{"speaker":"Alan Smith","startTime":3052.08,"endTime":3054.48,"body":"time for a lot of people in the"},{"speaker":"Alan Smith","startTime":3054.48,"endTime":3056.7799999999997,"body":"industry for the next two to"},{"speaker":"Alan Smith","startTime":3054.48,"endTime":3056.7799999999997,"body":"three years. I agree all we've"},{"speaker":"Alan Smith","startTime":3056.7799999999997,"endTime":3059.18,"body":"got to do, just keep on, you"},{"speaker":"Alan Smith","startTime":3056.7799999999997,"endTime":3059.18,"body":"know, telling the truth, doing"},{"speaker":"Alan Smith","startTime":3059.18,"endTime":3063.5,"body":"that, doing our very best, and"},{"speaker":"Alan Smith","startTime":3059.18,"endTime":3063.5,"body":"hope that we can avoid any of"},{"speaker":"Alan Smith","startTime":3063.5,"endTime":3065.96,"body":"the fallout. What are your"},{"speaker":"Alan Smith","startTime":3063.5,"endTime":3065.96,"body":"thoughts, guys,"},{"speaker":"Andy Hart","startTime":3067.279,"endTime":3070.759,"body":"even the good firms"},{"speaker":"Andy Hart","startTime":3067.279,"endTime":3070.759,"body":"are petrified. Probably the bad"},{"speaker":"Andy Hart","startTime":3070.759,"endTime":3073.459,"body":"firms are just probably not"},{"speaker":"Andy Hart","startTime":3070.759,"endTime":3073.459,"body":"bothered. Who knows? But Just"},{"speaker":"Andy Hart","startTime":3073.459,"endTime":3076.0389999999998,"body":"following on from the point you"},{"speaker":"Andy Hart","startTime":3073.459,"endTime":3076.0389999999998,"body":"mentioned, the city wire phone."},{"speaker":"Andy Hart","startTime":3076.1189999999997,"endTime":3079.0589999999997,"body":"Focused on. I mean, they're the"},{"speaker":"Andy Hart","startTime":3076.1189999999997,"endTime":3079.0589999999997,"body":"FCA, are focusing on many parts"},{"speaker":"Andy Hart","startTime":3079.0589999999997,"endTime":3081.759,"body":"of this, and obviously it's"},{"speaker":"Andy Hart","startTime":3079.0589999999997,"endTime":3081.759,"body":"wrapped up in the whole consumer"},{"speaker":"Andy Hart","startTime":3081.759,"endTime":3084.699,"body":"duty regulation. But there's"},{"speaker":"Andy Hart","startTime":3081.759,"endTime":3084.699,"body":"three points they're really keen"},{"speaker":"Andy Hart","startTime":3084.699,"endTime":3088.1189999999997,"body":"on. All firms to do. I'll read"},{"speaker":"Andy Hart","startTime":3084.699,"endTime":3088.1189999999997,"body":"out each point and loosely"},{"speaker":"Andy Hart","startTime":3088.1189999999997,"endTime":3090.459,"body":"discuss them. So the first point"},{"speaker":"Andy Hart","startTime":3088.1189999999997,"endTime":3090.459,"body":"they're really keen on is"},{"speaker":"Andy Hart","startTime":3090.759,"endTime":3093.6389999999997,"body":"whether the client was assessed"},{"speaker":"Andy Hart","startTime":3090.759,"endTime":3093.6389999999997,"body":"for their attitude to risk, and"},{"speaker":"Andy Hart","startTime":3093.6389999999997,"endTime":3097.919,"body":"if so, when was it assessed? And"},{"speaker":"Andy Hart","startTime":3093.6389999999997,"endTime":3097.919,"body":"evidence of it, we've already"},{"speaker":"Andy Hart","startTime":3097.919,"endTime":3100.5589999999997,"body":"realized or already discussed,"},{"speaker":"Andy Hart","startTime":3097.919,"endTime":3100.5589999999997,"body":"that the whole attitude to risk"},{"speaker":"Andy Hart","startTime":3100.5589999999997,"endTime":3103.739,"body":"and investing profiling"},{"speaker":"Andy Hart","startTime":3100.5589999999997,"endTime":3103.739,"body":"currently is broken. So they"},{"speaker":"Andy Hart","startTime":3103.739,"endTime":3106.319,"body":"want us to double down on this"},{"speaker":"Andy Hart","startTime":3103.739,"endTime":3106.319,"body":"broken system. It's probably"},{"speaker":"Andy Hart","startTime":3106.319,"endTime":3108.719,"body":"going to lead to worse client"},{"speaker":"Andy Hart","startTime":3106.319,"endTime":3108.719,"body":"outcomes in terms of badass"},{"speaker":"Andy Hart","startTime":3108.719,"endTime":3113.339,"body":"allocation. That's my opinion."},{"speaker":"Andy Hart","startTime":3108.719,"endTime":3113.339,"body":"Next up, whether the client Next"},{"speaker":"Andy Hart","startTime":3113.339,"endTime":3117.6189999999997,"body":"up, whether the client was"},{"speaker":"Andy Hart","startTime":3113.339,"endTime":3117.6189999999997,"body":"assessed for capacity, for loss,"},{"speaker":"Andy Hart","startTime":3117.679,"endTime":3122.419,"body":"and if so, when this was"},{"speaker":"Andy Hart","startTime":3117.679,"endTime":3122.419,"body":"assessed, and evidence of it, we"},{"speaker":"Andy Hart","startTime":3122.419,"endTime":3124.939,"body":"still don't know exactly what"},{"speaker":"Andy Hart","startTime":3122.419,"endTime":3124.939,"body":"they mean by this capacity for"},{"speaker":"Andy Hart","startTime":3124.939,"endTime":3128.419,"body":"loss. But why would the meat?"},{"speaker":"Andy Hart","startTime":3124.939,"endTime":3128.419,"body":"Why would it be capacity for a"},{"speaker":"Andy Hart","startTime":3128.419,"endTime":3133.219,"body":"permanent loss? You know, losses"},{"speaker":"Andy Hart","startTime":3128.419,"endTime":3133.219,"body":"are temporary. Advances, a"},{"speaker":"Andy Hart","startTime":3133.219,"endTime":3136.159,"body":"temporary the market fluctuates"},{"speaker":"Andy Hart","startTime":3133.219,"endTime":3136.159,"body":"over time. So again, they're"},{"speaker":"Andy Hart","startTime":3136.159,"endTime":3138.939,"body":"asking us to do something else,"},{"speaker":"Andy Hart","startTime":3136.159,"endTime":3138.939,"body":"which is intellectually"},{"speaker":"Andy Hart","startTime":3138.939,"endTime":3142.779,"body":"bankrupt. Again. The final"},{"speaker":"Andy Hart","startTime":3138.939,"endTime":3142.779,"body":"point, I'm massively keen on any"},{"speaker":"Andy Hart","startTime":3142.779,"endTime":3146.259,"body":"updates to the client's personal"},{"speaker":"Andy Hart","startTime":3142.779,"endTime":3146.259,"body":"circumstances and financial"},{"speaker":"Andy Hart","startTime":3146.259,"endTime":3151.239,"body":"objectives, goals, alongside"},{"speaker":"Andy Hart","startTime":3146.259,"endTime":3151.239,"body":"evidence and the dates these"},{"speaker":"Andy Hart","startTime":3151.239,"endTime":3155.1389999999997,"body":"changes were made, basically an"},{"speaker":"Andy Hart","startTime":3151.239,"endTime":3155.1389999999997,"body":"updated lifestyle financial"},{"speaker":"Andy Hart","startTime":3155.1389999999997,"endTime":3158.699,"body":"master plan or financial life"},{"speaker":"Andy Hart","startTime":3155.1389999999997,"endTime":3158.699,"body":"plan that's absolutely paramount"},{"speaker":"Andy Hart","startTime":3158.699,"endTime":3161.5789999999997,"body":"the two previous points that"},{"speaker":"Andy Hart","startTime":3158.699,"endTime":3161.5789999999997,"body":"they mentioned, I'm not in"},{"speaker":"Andy Hart","startTime":3161.5789999999997,"endTime":3166.919,"body":"agreeance with, but this is why"},{"speaker":"Andy Hart","startTime":3161.5789999999997,"endTime":3166.919,"body":"we're in a bind between ticking"},{"speaker":"Andy Hart","startTime":3166.919,"endTime":3170.519,"body":"the massive regulator and"},{"speaker":"Andy Hart","startTime":3166.919,"endTime":3170.519,"body":"compliance box. That means we're"},{"speaker":"Andy Hart","startTime":3170.519,"endTime":3172.859,"body":"still in business and our"},{"speaker":"Andy Hart","startTime":3170.519,"endTime":3172.859,"body":"livelihoods are not, you know,"},{"speaker":"Andy Hart","startTime":3172.859,"endTime":3176.0989999999997,"body":"in jeopardy and doing the right"},{"speaker":"Andy Hart","startTime":3172.859,"endTime":3176.0989999999997,"body":"things for the clients. So every"},{"speaker":"Andy Hart","startTime":3176.0989999999997,"endTime":3179.779,"body":"decent financial advisor is in a"},{"speaker":"Andy Hart","startTime":3176.0989999999997,"endTime":3179.779,"body":"massive bind between doing the"},{"speaker":"Andy Hart","startTime":3179.779,"endTime":3182.0589999999997,"body":"right things for the clients"},{"speaker":"Andy Hart","startTime":3179.779,"endTime":3182.0589999999997,"body":"they look after and ticking the"},{"speaker":"Andy Hart","startTime":3182.0589999999997,"endTime":3185.899,"body":"regulatory box. So, yeah, very"},{"speaker":"Andy Hart","startTime":3182.0589999999997,"endTime":3185.899,"body":"interesting, interesting times."},{"speaker":"Andy Hart","startTime":3186.859,"endTime":3188.179,"body":"Yeah, yeah, nailed"},{"speaker":"Nick Lincoln","startTime":3188.18,"endTime":3190.58,"body":"it. Well, yeah, I"},{"speaker":"Nick Lincoln","startTime":3188.18,"endTime":3190.58,"body":"think we will have similar views"},{"speaker":"Nick Lincoln","startTime":3190.58,"endTime":3194.42,"body":"around attitude to risk and"},{"speaker":"Nick Lincoln","startTime":3190.58,"endTime":3194.42,"body":"capacity for loss. And I'll"},{"speaker":"Nick Lincoln","startTime":3194.42,"endTime":3197.68,"body":"leave it at that. There was one"},{"speaker":"Nick Lincoln","startTime":3194.42,"endTime":3197.68,"body":"final point, storyteller on the"},{"speaker":"Nick Lincoln","startTime":3197.68,"endTime":3200.62,"body":"on the docket, on the agenda."},{"speaker":"Nick Lincoln","startTime":3197.68,"endTime":3200.62,"body":"Have you covered it? That was"},{"speaker":"Nick Lincoln","startTime":3200.62,"endTime":3202.18,"body":"that link with it you."},{"speaker":"Alan Smith","startTime":3202.24,"endTime":3205.8399999999997,"body":"But what about the"},{"speaker":"Alan Smith","startTime":3202.24,"endTime":3205.8399999999997,"body":"consolidators specifically?"},{"speaker":"Alan Smith","startTime":3206.14,"endTime":3206.5,"body":"Yeah,"},{"speaker":"Nick Lincoln","startTime":3206.5,"endTime":3209.02,"body":"no, the following"},{"speaker":"Nick Lincoln","startTime":3206.5,"endTime":3209.02,"body":"one is, that is what firms is"},{"speaker":"Nick Lincoln","startTime":3209.02,"endTime":3211.72,"body":"asking in ongoing advice review."},{"speaker":"Nick Lincoln","startTime":3209.02,"endTime":3211.72,"body":"That was the second, well, no,"},{"speaker":"Alan Smith","startTime":3211.8399999999997,"endTime":3214.2999999999997,"body":"that was, that was"},{"speaker":"Alan Smith","startTime":3211.8399999999997,"endTime":3214.2999999999997,"body":"that was it? It was just"},{"speaker":"Alan Smith","startTime":3214.2999999999997,"endTime":3217.2599999999998,"body":"breaking down the specific"},{"speaker":"Alan Smith","startTime":3214.2999999999997,"endTime":3217.2599999999998,"body":"details. This will look like a"},{"speaker":"Alan Smith","startTime":3217.2599999999998,"endTime":3220.02,"body":"comprehensive Excel spreadsheet"},{"speaker":"Alan Smith","startTime":3217.2599999999998,"endTime":3220.02,"body":"that you got to affiliate. And"},{"speaker":"Alan Smith","startTime":3220.02,"endTime":3222.8399999999997,"body":"imagine some of these companies"},{"speaker":"Alan Smith","startTime":3220.02,"endTime":3222.8399999999997,"body":"have got literally 10s of 1000s"},{"speaker":"Alan Smith","startTime":3222.8399999999997,"endTime":3225.48,"body":"of clients, and you gotta have"},{"speaker":"Alan Smith","startTime":3222.8399999999997,"endTime":3225.48,"body":"to, I mean, it's just a, just a"},{"speaker":"Alan Smith","startTime":3225.48,"endTime":3231.24,"body":"Beyond Belief sort of level of"},{"speaker":"Alan Smith","startTime":3225.48,"endTime":3231.24,"body":"data, admin, etc, particularly"},{"speaker":"Alan Smith","startTime":3231.24,"endTime":3234.0,"body":"if you haven't really been had"},{"speaker":"Alan Smith","startTime":3231.24,"endTime":3234.0,"body":"robust systems. And the other"},{"speaker":"Alan Smith","startTime":3234.0,"endTime":3237.2,"body":"thing that kind of, it seems to"},{"speaker":"Alan Smith","startTime":3234.0,"endTime":3237.2,"body":"be a different thing, but it's"},{"speaker":"Alan Smith","startTime":3237.2,"endTime":3241.8199999999997,"body":"just closely related, is that"},{"speaker":"Alan Smith","startTime":3237.2,"endTime":3241.8199999999997,"body":"the FCA has instructed a review"},{"speaker":"Alan Smith","startTime":3241.88,"endTime":3245.2999999999997,"body":"of what they call consolidators."},{"speaker":"Alan Smith","startTime":3241.88,"endTime":3245.2999999999997,"body":"So all the firms that were"},{"speaker":"Alan Smith","startTime":3245.2999999999997,"endTime":3249.02,"body":"hoovering up for the last 10"},{"speaker":"Alan Smith","startTime":3245.2999999999997,"endTime":3249.02,"body":"years, the smaller IFA practices"},{"speaker":"Alan Smith","startTime":3249.62,"endTime":3252.74,"body":"and that we've all got our views"},{"speaker":"Alan Smith","startTime":3249.62,"endTime":3252.74,"body":"on this. A lot of them, and"},{"speaker":"Alan Smith","startTime":3252.74,"endTime":3255.44,"body":"there's lots of evidence about"},{"speaker":"Alan Smith","startTime":3252.74,"endTime":3255.44,"body":"this, have been those are these"},{"speaker":"Alan Smith","startTime":3255.44,"endTime":3259.48,"body":"clients. So say you sold your"},{"speaker":"Alan Smith","startTime":3255.44,"endTime":3259.48,"body":"business Nick, or someone else,"},{"speaker":"Alan Smith","startTime":3259.48,"endTime":3262.8399999999997,"body":"or I did, or anyone else did in"},{"speaker":"Alan Smith","startTime":3259.48,"endTime":3262.8399999999997,"body":"the past. You sold out to a"},{"speaker":"Alan Smith","startTime":3262.8399999999997,"endTime":3265.6,"body":"consolidator, and then part of"},{"speaker":"Alan Smith","startTime":3262.8399999999997,"endTime":3265.6,"body":"your deal, and the reason that"},{"speaker":"Alan Smith","startTime":3265.6,"endTime":3268.66,"body":"you got paid millions of pounds"},{"speaker":"Alan Smith","startTime":3265.6,"endTime":3268.66,"body":"is you agreed to move your"},{"speaker":"Alan Smith","startTime":3268.66,"endTime":3273.64,"body":"client's investment assets into"},{"speaker":"Alan Smith","startTime":3268.66,"endTime":3273.64,"body":"the in house discretionary"},{"speaker":"Alan Smith","startTime":3273.64,"endTime":3278.1,"body":"management service of their of"},{"speaker":"Alan Smith","startTime":3273.64,"endTime":3278.1,"body":"choice. And if you think about"},{"speaker":"Alan Smith","startTime":3278.1,"endTime":3280.56,"body":"the maths, how it all works, no"},{"speaker":"Alan Smith","startTime":3278.1,"endTime":3280.56,"body":"wonder they can afford to pay"},{"speaker":"Alan Smith","startTime":3280.56,"endTime":3282.7799999999997,"body":"quite large sums, because"},{"speaker":"Alan Smith","startTime":3280.56,"endTime":3282.7799999999997,"body":"they're, you know, they're taken"},{"speaker":"Alan Smith","startTime":3282.7799999999997,"endTime":3285.54,"body":"as, you know, as you've just"},{"speaker":"Alan Smith","startTime":3282.7799999999997,"endTime":3285.54,"body":"described a moment or two ago."},{"speaker":"Alan Smith","startTime":3285.8399999999997,"endTime":3289.74,"body":"If you're taking 3% a year or"},{"speaker":"Alan Smith","startTime":3285.8399999999997,"endTime":3289.74,"body":"taking a large slice of that 3%"},{"speaker":"Alan Smith","startTime":3290.1,"endTime":3292.98,"body":"internally, then it all adds up."},{"speaker":"Alan Smith","startTime":3290.1,"endTime":3292.98,"body":"So the regulator have sort of"},{"speaker":"Alan Smith","startTime":3292.98,"endTime":3295.62,"body":"somewhat belatedly got wise to"},{"speaker":"Alan Smith","startTime":3292.98,"endTime":3295.62,"body":"all this and said, Hang on a"},{"speaker":"Alan Smith","startTime":3295.62,"endTime":3298.58,"body":"minute. Is this truly in the"},{"speaker":"Alan Smith","startTime":3295.62,"endTime":3298.58,"body":"investor and the client's"},{"speaker":"Alan Smith","startTime":3298.58,"endTime":3302.06,"body":"interests. The advisor sells up"},{"speaker":"Alan Smith","startTime":3298.58,"endTime":3302.06,"body":"the assets are then put across"},{"speaker":"Alan Smith","startTime":3302.06,"endTime":3305.72,"body":"to something which arguably, and"},{"speaker":"Alan Smith","startTime":3302.06,"endTime":3305.72,"body":"again, we don't know, but"},{"speaker":"Alan Smith","startTime":3305.72,"endTime":3308.48,"body":"arguably, could they could be"},{"speaker":"Alan Smith","startTime":3305.72,"endTime":3308.48,"body":"worse off in terms of cost"},{"speaker":"Alan Smith","startTime":3308.48,"endTime":3311.12,"body":"performance and everything else."},{"speaker":"Alan Smith","startTime":3308.48,"endTime":3311.12,"body":"So there's a big review now"},{"speaker":"Alan Smith","startTime":3311.12,"endTime":3314.7799999999997,"body":"about to be undertaken on the"},{"speaker":"Alan Smith","startTime":3311.12,"endTime":3314.7799999999997,"body":"whole consolidation market,"},{"speaker":"Alan Smith","startTime":3314.7799999999997,"endTime":3317.56,"body":"which, as we know, has been, you"},{"speaker":"Alan Smith","startTime":3314.7799999999997,"endTime":3317.56,"body":"know, billions and billions of"},{"speaker":"Alan Smith","startTime":3317.56,"endTime":3320.2599999999998,"body":"pounds of the last 10 years has"},{"speaker":"Alan Smith","startTime":3317.56,"endTime":3320.2599999999998,"body":"been consolidated from smaller"},{"speaker":"Alan Smith","startTime":3320.2599999999998,"endTime":3323.38,"body":"firms into large players. So"},{"speaker":"Alan Smith","startTime":3320.2599999999998,"endTime":3323.38,"body":"there's a lot going on in our"},{"speaker":"Alan Smith","startTime":3323.38,"endTime":3324.22,"body":"space right now."},{"speaker":"Nick Lincoln","startTime":3326.74,"endTime":3329.62,"body":"Yep, yep. Well,"},{"speaker":"Nick Lincoln","startTime":3326.74,"endTime":3329.62,"body":"Said, Okay, we've got one final"},{"speaker":"Nick Lincoln","startTime":3329.62,"endTime":3332.08,"body":"point to get through on the"},{"speaker":"Nick Lincoln","startTime":3329.62,"endTime":3332.08,"body":"docket. This is the many people"},{"speaker":"Nick Lincoln","startTime":3332.08,"endTime":3336.16,"body":"think. It's the biggest, the"},{"speaker":"Nick Lincoln","startTime":3332.08,"endTime":3336.16,"body":"biggest conference that we're"},{"speaker":"Nick Lincoln","startTime":3336.16,"endTime":3338.58,"body":"involved in So Carl, the"},{"speaker":"Nick Lincoln","startTime":3336.16,"endTime":3338.58,"body":"limerick, Chamber of Commerce"},{"speaker":"Nick Lincoln","startTime":3338.58,"endTime":3342.8399999999997,"body":"annual event is happening. Oh,"},{"speaker":"Nick Lincoln","startTime":3338.58,"endTime":3342.8399999999997,"body":"oh, let's,"},{"speaker":"Andy Hart","startTime":3342.899,"endTime":3344.879,"body":"let's bring that."},{"speaker":"Andy Hart","startTime":3342.899,"endTime":3344.879,"body":"Let's bring the mood up. Two"},{"speaker":"Andy Hart","startTime":3344.879,"endTime":3348.779,"body":"weeks from today, we have got"},{"speaker":"Andy Hart","startTime":3344.879,"endTime":3348.779,"body":"humans under management London,"},{"speaker":"Andy Hart","startTime":3348.779,"endTime":3352.259,"body":"which is Europe's biggest"},{"speaker":"Andy Hart","startTime":3348.779,"endTime":3352.259,"body":"financial planning conference."},{"speaker":"Andy Hart","startTime":3353.459,"endTime":3356.279,"body":"Yes, we've got a great lineup of"},{"speaker":"Andy Hart","startTime":3353.459,"endTime":3356.279,"body":"practicing financial advisors"},{"speaker":"Andy Hart","startTime":3356.279,"endTime":3360.0789999999997,"body":"and experts, we sold out three"},{"speaker":"Andy Hart","startTime":3356.279,"endTime":3360.0789999999997,"body":"months before we are kicking"},{"speaker":"Andy Hart","startTime":3360.1389999999997,"endTime":3362.5389999999998,"body":"off. And if you've got a ticket,"},{"speaker":"Andy Hart","startTime":3360.1389999999997,"endTime":3362.5389999999998,"body":"thank you so much for coming. If"},{"speaker":"Andy Hart","startTime":3362.5389999999998,"endTime":3366.259,"body":"you didn't get a ticket, be a"},{"speaker":"Andy Hart","startTime":3362.5389999999998,"endTime":3366.259,"body":"bit more proactive. Next year, I"},{"speaker":"Andy Hart","startTime":3366.259,"endTime":3369.199,"body":"am actively looking for a larger"},{"speaker":"Andy Hart","startTime":3366.259,"endTime":3369.199,"body":"venue, and I've got a venue to"},{"speaker":"Andy Hart","startTime":3369.199,"endTime":3371.419,"body":"see actually in a couple of"},{"speaker":"Andy Hart","startTime":3369.199,"endTime":3371.419,"body":"weeks time, that I'm hoping it's"},{"speaker":"Andy Hart","startTime":3371.419,"endTime":3373.699,"body":"going to be perfect. So next"},{"speaker":"Andy Hart","startTime":3371.419,"endTime":3373.699,"body":"year, we're hopefully going for"},{"speaker":"Andy Hart","startTime":3373.999,"endTime":3378.279,"body":"450 this year we are close to."},{"speaker":"Andy Hart","startTime":3373.999,"endTime":3378.279,"body":"At 350 So, yep, just keeping"},{"speaker":"Andy Hart","startTime":3378.879,"endTime":3383.019,"body":"building the event. That's it"},{"speaker":"Andy Hart","startTime":3378.879,"endTime":3383.019,"body":"back to you. Nick to kick off"},{"speaker":"Andy Hart","startTime":3383.0789999999997,"endTime":3384.459,"body":"the excellent potatoes."},{"speaker":"Nick Lincoln","startTime":3384.52,"endTime":3386.92,"body":"Thanks Ultra."},{"speaker":"Nick Lincoln","startTime":3384.52,"endTime":3386.92,"body":"Thank you. Okay, 55 minutes in."},{"speaker":"Nick Lincoln","startTime":3386.92,"endTime":3390.16,"body":"Okay, so meat and potatoes for"},{"speaker":"Nick Lincoln","startTime":3386.92,"endTime":3390.16,"body":"this one. We have touched on"},{"speaker":"Nick Lincoln","startTime":3390.16,"endTime":3392.8599999999997,"body":"this in the past, but I think"},{"speaker":"Nick Lincoln","startTime":3390.16,"endTime":3392.8599999999997,"body":"it's, it's worth going back to"},{"speaker":"Nick Lincoln","startTime":3392.8599999999997,"endTime":3396.1,"body":"this, because then we we"},{"speaker":"Nick Lincoln","startTime":3392.8599999999997,"endTime":3396.1,"body":"underestimate, or rather, we"},{"speaker":"Nick Lincoln","startTime":3396.1,"endTime":3398.94,"body":"ignore our health at our own"},{"speaker":"Nick Lincoln","startTime":3396.1,"endTime":3398.94,"body":"peril, especially if you're if"},{"speaker":"Nick Lincoln","startTime":3398.94,"endTime":3401.2799999999997,"body":"any advisor, whether you're"},{"speaker":"Nick Lincoln","startTime":3398.94,"endTime":3401.2799999999997,"body":"employed or own your own"},{"speaker":"Nick Lincoln","startTime":3401.2799999999997,"endTime":3404.1,"body":"business, you're carrying the"},{"speaker":"Nick Lincoln","startTime":3401.2799999999997,"endTime":3404.1,"body":"weight of, I don't know whether"},{"speaker":"Nick Lincoln","startTime":3404.1,"endTime":3408.0,"body":"it's 80 to 120 families, hopes"},{"speaker":"Nick Lincoln","startTime":3404.1,"endTime":3408.0,"body":"and aspirations on your"},{"speaker":"Nick Lincoln","startTime":3408.0,"endTime":3411.24,"body":"shoulders all of the time, even"},{"speaker":"Nick Lincoln","startTime":3408.0,"endTime":3411.24,"body":"when you think you're not, your,"},{"speaker":"Nick Lincoln","startTime":3411.24,"endTime":3415.44,"body":"your your your your subconscious"},{"speaker":"Nick Lincoln","startTime":3411.24,"endTime":3415.44,"body":"mind will be wearing stuff away,"},{"speaker":"Nick Lincoln","startTime":3415.44,"endTime":3418.58,"body":"and it is. It is a burden, and"},{"speaker":"Nick Lincoln","startTime":3415.44,"endTime":3418.58,"body":"we need to make sure our brains"},{"speaker":"Nick Lincoln","startTime":3418.58,"endTime":3420.56,"body":"are sharp. We need to make sure"},{"speaker":"Nick Lincoln","startTime":3418.58,"endTime":3420.56,"body":"that our bodies are sharp,"},{"speaker":"Nick Lincoln","startTime":3420.7999999999997,"endTime":3423.38,"body":"especially those of us that like"},{"speaker":"Nick Lincoln","startTime":3420.7999999999997,"endTime":3423.38,"body":"to imbibe the old glass of warm"},{"speaker":"Nick Lincoln","startTime":3423.38,"endTime":3428.06,"body":"Sherry, perhaps sometimes"},{"speaker":"Nick Lincoln","startTime":3423.38,"endTime":3428.06,"body":"unnecessary extra glass of warm"},{"speaker":"Nick Lincoln","startTime":3428.42,"endTime":3431.48,"body":"sherry. How do we how do the"},{"speaker":"Nick Lincoln","startTime":3428.42,"endTime":3431.48,"body":"Track Pack keep the cells fit in"},{"speaker":"Nick Lincoln","startTime":3431.48,"endTime":3434.2999999999997,"body":"both mind and body? Well,"},{"speaker":"Nick Lincoln","startTime":3431.48,"endTime":3434.2999999999997,"body":"relatively fit. That is the"},{"speaker":"Nick Lincoln","startTime":3434.2999999999997,"endTime":3436.54,"body":"subject for this. For this"},{"speaker":"Nick Lincoln","startTime":3434.2999999999997,"endTime":3436.54,"body":"meeting potatoes,"},{"speaker":"Andy Hart","startTime":3436.66,"endTime":3439.06,"body":"how do we burn the"},{"speaker":"Andy Hart","startTime":3436.66,"endTime":3439.06,"body":"candle at both ends? Is that we"},{"speaker":"Andy Hart","startTime":3439.06,"endTime":3439.8399999999997,"body":"trying to say,"},{"speaker":"Nick Lincoln","startTime":3439.8399999999997,"endTime":3442.48,"body":"that is exactly"},{"speaker":"Nick Lincoln","startTime":3439.8399999999997,"endTime":3442.48,"body":"what I'm saying. And I like the"},{"speaker":"Nick Lincoln","startTime":3442.48,"endTime":3445.42,"body":"size of your wick. Andy, I've"},{"speaker":"Nick Lincoln","startTime":3442.48,"endTime":3445.42,"body":"got to say, Okay, so we're going"},{"speaker":"Nick Lincoln","startTime":3445.42,"endTime":3447.7599999999998,"body":"to start off with, I think"},{"speaker":"Nick Lincoln","startTime":3445.42,"endTime":3447.7599999999998,"body":"storytellers going to"},{"speaker":"Alan Smith","startTime":3449.98,"endTime":3453.46,"body":"lead off. I mean,"},{"speaker":"Alan Smith","startTime":3449.98,"endTime":3453.46,"body":"embarking on this conversation"},{"speaker":"Alan Smith","startTime":3453.46,"endTime":3456.7799999999997,"body":"with with you journalism and"},{"speaker":"Alan Smith","startTime":3453.46,"endTime":3456.7799999999997,"body":"hoping that some of you keep a"},{"speaker":"Alan Smith","startTime":3456.7799999999997,"endTime":3460.08,"body":"straight face, and we talk about"},{"speaker":"Alan Smith","startTime":3456.7799999999997,"endTime":3460.08,"body":"health and fitness is, it's an"},{"speaker":"Alan Smith","startTime":3460.08,"endTime":3463.02,"body":"endeavor, but it's one worth"},{"speaker":"Alan Smith","startTime":3460.08,"endTime":3463.02,"body":"trying. So, yeah, we thought"},{"speaker":"Alan Smith","startTime":3463.02,"endTime":3466.44,"body":"we'd bring this up. I introduced"},{"speaker":"Alan Smith","startTime":3463.02,"endTime":3466.44,"body":"that in an early episode, the"},{"speaker":"Alan Smith","startTime":3466.44,"endTime":3471.18,"body":"concept of becoming a corporate"},{"speaker":"Alan Smith","startTime":3466.44,"endTime":3471.18,"body":"athlete, what a statement that"},{"speaker":"Alan Smith","startTime":3471.18,"endTime":3476.7799999999997,"body":"is, because you have, you have"},{"speaker":"Alan Smith","startTime":3471.18,"endTime":3476.7799999999997,"body":"to be somewhat fit. I mean, you"},{"speaker":"Alan Smith","startTime":3476.7799999999997,"endTime":3481.46,"body":"hit the nail on the head at"},{"speaker":"Alan Smith","startTime":3476.7799999999997,"endTime":3481.46,"body":"varying times in my career, the"},{"speaker":"Alan Smith","startTime":3481.46,"endTime":3484.22,"body":"job has been really stressful."},{"speaker":"Alan Smith","startTime":3481.46,"endTime":3484.22,"body":"And is either something, just"},{"speaker":"Alan Smith","startTime":3484.22,"endTime":3487.4,"body":"something going on internally,"},{"speaker":"Alan Smith","startTime":3484.22,"endTime":3487.4,"body":"externally, a client issue, and"},{"speaker":"Alan Smith","startTime":3487.4,"endTime":3490.52,"body":"it does kind of keep you awake"},{"speaker":"Alan Smith","startTime":3487.4,"endTime":3490.52,"body":"at night, these things. So being"},{"speaker":"Alan Smith","startTime":3490.52,"endTime":3493.8199999999997,"body":"of healthy, you know, sound mind"},{"speaker":"Alan Smith","startTime":3490.52,"endTime":3493.8199999999997,"body":"and body, I think it's just"},{"speaker":"Alan Smith","startTime":3493.8199999999997,"endTime":3496.96,"body":"really important. And so four of"},{"speaker":"Alan Smith","startTime":3493.8199999999997,"endTime":3496.96,"body":"us, obviously, we meet socially,"},{"speaker":"Alan Smith","startTime":3496.96,"endTime":3501.1,"body":"etc. We do partake in the odd"},{"speaker":"Alan Smith","startTime":3496.96,"endTime":3501.1,"body":"glass of sherry and whatever"},{"speaker":"Alan Smith","startTime":3501.1,"endTime":3503.38,"body":"else is lying around. So we"},{"speaker":"Alan Smith","startTime":3501.1,"endTime":3503.38,"body":"thought we'd just sort of chat"},{"speaker":"Alan Smith","startTime":3503.38,"endTime":3506.56,"body":"through this kind of, what are"},{"speaker":"Alan Smith","startTime":3503.38,"endTime":3506.56,"body":"the various sort of tools and"},{"speaker":"Alan Smith","startTime":3506.56,"endTime":3511.3599999999997,"body":"tactics that we use. So I'm just"},{"speaker":"Alan Smith","startTime":3506.56,"endTime":3511.3599999999997,"body":"going to just rattle through a"},{"speaker":"Alan Smith","startTime":3511.3599999999997,"endTime":3516.66,"body":"few of the things that I find"},{"speaker":"Alan Smith","startTime":3511.3599999999997,"endTime":3516.66,"body":"help me in order to, you know,"},{"speaker":"Alan Smith","startTime":3516.96,"endTime":3521.3399999999997,"body":"to keep in that relatively good"},{"speaker":"Alan Smith","startTime":3516.96,"endTime":3521.3399999999997,"body":"shape might in your mind, mind"},{"speaker":"Alan Smith","startTime":3521.3399999999997,"endTime":3524.64,"body":"and body. So the first thing is,"},{"speaker":"Alan Smith","startTime":3521.3399999999997,"endTime":3524.64,"body":"I've got a we've got a personal"},{"speaker":"Alan Smith","startTime":3524.64,"endTime":3530.2799999999997,"body":"trainer. So Andrew is a guy who"},{"speaker":"Alan Smith","startTime":3524.64,"endTime":3530.2799999999997,"body":"I meet twice a week, and all"},{"speaker":"Alan Smith","startTime":3530.2799999999997,"endTime":3533.52,"body":"that is primarily as I said to"},{"speaker":"Alan Smith","startTime":3530.2799999999997,"endTime":3533.52,"body":"him once. And there are, there"},{"speaker":"Alan Smith","startTime":3533.52,"endTime":3536.22,"body":"are some similarities, honestly,"},{"speaker":"Alan Smith","startTime":3533.52,"endTime":3536.22,"body":"and I'm going to shoehorn in"},{"speaker":"Alan Smith","startTime":3536.22,"endTime":3539.96,"body":"financial planning here, because"},{"speaker":"Alan Smith","startTime":3536.22,"endTime":3539.96,"body":"I said to him once, he didn't,"},{"speaker":"Alan Smith","startTime":3539.96,"endTime":3543.92,"body":"he didn't love it. I said, I pay"},{"speaker":"Alan Smith","startTime":3539.96,"endTime":3543.92,"body":"you to count to 10, don't you?"},{"speaker":"Alan Smith","startTime":3543.92,"endTime":3546.98,"body":"Because he just, I lift the"},{"speaker":"Alan Smith","startTime":3543.92,"endTime":3546.98,"body":"weight. He goes one, two,"},{"speaker":"Alan Smith","startTime":3547.2799999999997,"endTime":3550.3399999999997,"body":"repetition I pay that's the main"},{"speaker":"Alan Smith","startTime":3547.2799999999997,"endTime":3550.3399999999997,"body":"but the main thing I pay him"},{"speaker":"Alan Smith","startTime":3550.3399999999997,"endTime":3554.7799999999997,"body":"for, frankly, is accountability."},{"speaker":"Alan Smith","startTime":3550.3399999999997,"endTime":3554.7799999999997,"body":"Because on those cold, early,"},{"speaker":"Alan Smith","startTime":3554.7799999999997,"endTime":3558.2799999999997,"body":"raining mornings, and I know"},{"speaker":"Alan Smith","startTime":3554.7799999999997,"endTime":3558.2799999999997,"body":"that I've got this, like, six"},{"speaker":"Alan Smith","startTime":3558.2799999999997,"endTime":3561.04,"body":"foot tall South African skinhead"},{"speaker":"Alan Smith","startTime":3558.2799999999997,"endTime":3561.04,"body":"standing, you know, in the gym"},{"speaker":"Alan Smith","startTime":3561.04,"endTime":3563.92,"body":"across waiting for me to arrive."},{"speaker":"Alan Smith","startTime":3561.04,"endTime":3563.92,"body":"I can't just, you know, switch"},{"speaker":"Alan Smith","startTime":3563.92,"endTime":3567.64,"body":"off the alarm and roll over go"},{"speaker":"Alan Smith","startTime":3563.92,"endTime":3567.64,"body":"back to sleep. So I've got a"},{"speaker":"Alan Smith","startTime":3567.64,"endTime":3570.94,"body":"personal trainer, and that gives"},{"speaker":"Alan Smith","startTime":3567.64,"endTime":3570.94,"body":"me a framework for making sure I"},{"speaker":"Alan Smith","startTime":3570.94,"endTime":3574.3599999999997,"body":"show up and do some exercise of"},{"speaker":"Alan Smith","startTime":3570.94,"endTime":3574.3599999999997,"body":"some sort. And as I say, in"},{"speaker":"Alan Smith","startTime":3574.48,"endTime":3577.08,"body":"financial planning, we play the"},{"speaker":"Alan Smith","startTime":3574.48,"endTime":3577.08,"body":"role of accountability coaches"},{"speaker":"Alan Smith","startTime":3577.08,"endTime":3579.8399999999997,"body":"quite often. The other thing I"},{"speaker":"Alan Smith","startTime":3577.08,"endTime":3579.8399999999997,"body":"try to do, and I'm really"},{"speaker":"Alan Smith","startTime":3579.8399999999997,"endTime":3582.24,"body":"interested when you guys start,"},{"speaker":"Alan Smith","startTime":3579.8399999999997,"endTime":3582.24,"body":"because you guys are far better"},{"speaker":"Alan Smith","startTime":3582.2999999999997,"endTime":3585.96,"body":"walkers than me say that"},{"speaker":"Alan Smith","startTime":3582.2999999999997,"endTime":3585.96,"body":"carefully walkers better"},{"speaker":"Alan Smith","startTime":3585.96,"endTime":3588.8399999999997,"body":"walking. I know Nick is just as"},{"speaker":"Alan Smith","startTime":3585.96,"endTime":3588.8399999999997,"body":"crazy the number of steps that"},{"speaker":"Alan Smith","startTime":3588.8399999999997,"endTime":3592.44,"body":"he puts in and Carl as well. So"},{"speaker":"Alan Smith","startTime":3588.8399999999997,"endTime":3592.44,"body":"I aim to do seven and a half"},{"speaker":"Alan Smith","startTime":3592.44,"endTime":3595.56,"body":"1000 steps every day. I mean"},{"speaker":"Alan Smith","startTime":3592.44,"endTime":3595.56,"body":"that which is lower than the"},{"speaker":"Alan Smith","startTime":3595.56,"endTime":3600.2599999999998,"body":"kind of ambitious 10,000 steps I"},{"speaker":"Alan Smith","startTime":3595.56,"endTime":3600.2599999999998,"body":"find it just I'm not, I'm quite"},{"speaker":"Alan Smith","startTime":3600.2599999999998,"endTime":3604.7599999999998,"body":"a fast walker. But I I used to"},{"speaker":"Alan Smith","startTime":3600.2599999999998,"endTime":3604.7599999999998,"body":"walk to my office and careful"},{"speaker":"Alan Smith","startTime":3604.7599999999998,"endTime":3609.14,"body":"and or there, or there, there or"},{"speaker":"Alan Smith","startTime":3604.7599999999998,"endTime":3609.14,"body":"back. And even though that is"},{"speaker":"Alan Smith","startTime":3609.14,"endTime":3613.7,"body":"about four miles, so it was, it"},{"speaker":"Alan Smith","startTime":3609.14,"endTime":3613.7,"body":"was still only about six, 7000"},{"speaker":"Alan Smith","startTime":3614.06,"endTime":3617.02,"body":"steps. And it would take me an"},{"speaker":"Alan Smith","startTime":3614.06,"endTime":3617.02,"body":"hour to do that. So doing 10,000"},{"speaker":"Alan Smith","startTime":3617.38,"endTime":3620.98,"body":"steps feels to me that's two"},{"speaker":"Alan Smith","startTime":3617.38,"endTime":3620.98,"body":"hours a day, which is tricky for"},{"speaker":"Alan Smith","startTime":3620.98,"endTime":3624.04,"body":"me at the moment. So I aim to"},{"speaker":"Alan Smith","startTime":3620.98,"endTime":3624.04,"body":"get, you know, an hour of"},{"speaker":"Alan Smith","startTime":3624.04,"endTime":3627.7599999999998,"body":"movement which is walking as"},{"speaker":"Alan Smith","startTime":3624.04,"endTime":3627.7599999999998,"body":"part of my part of my plan. The"},{"speaker":"Alan Smith","startTime":3628.42,"endTime":3631.0,"body":"other thing, and this is"},{"speaker":"Alan Smith","startTime":3628.42,"endTime":3631.0,"body":"probably the biggest impact for"},{"speaker":"Alan Smith","startTime":3631.0,"endTime":3634.6,"body":"me, because, as they say, you"},{"speaker":"Alan Smith","startTime":3631.0,"endTime":3634.6,"body":"know, fitness and health is is"},{"speaker":"Alan Smith","startTime":3634.6,"endTime":3638.7,"body":"created in the kitchen, not the"},{"speaker":"Alan Smith","startTime":3634.6,"endTime":3638.7,"body":"gym, necessarily. So what I"},{"speaker":"Alan Smith","startTime":3638.7,"endTime":3642.72,"body":"consume, I'm quite careful. Now,"},{"speaker":"Alan Smith","startTime":3638.7,"endTime":3642.72,"body":"getting more careful. I've been"},{"speaker":"Alan Smith","startTime":3642.72,"endTime":3647.1,"body":"a big proponent of the idea of"},{"speaker":"Alan Smith","startTime":3642.72,"endTime":3647.1,"body":"intermittent fasting, so, and"},{"speaker":"Alan Smith","startTime":3647.1,"endTime":3650.8199999999997,"body":"I've just dissolved that down to"},{"speaker":"Alan Smith","startTime":3647.1,"endTime":3650.8199999999997,"body":"I have this concept of omad om"},{"speaker":"Alan Smith","startTime":3650.8199999999997,"endTime":3655.14,"body":"ad, which is one meal a day. So"},{"speaker":"Alan Smith","startTime":3650.8199999999997,"endTime":3655.14,"body":"I generally eat one meal a day."},{"speaker":"Alan Smith","startTime":3656.04,"endTime":3660.08,"body":"I use a service called Green"},{"speaker":"Alan Smith","startTime":3656.04,"endTime":3660.08,"body":"Chef. So they deliver to me"},{"speaker":"Alan Smith","startTime":3660.08,"endTime":3662.9,"body":"these sort of pre like boxes,"},{"speaker":"Alan Smith","startTime":3660.08,"endTime":3662.9,"body":"but you cook them yourself, raw"},{"speaker":"Alan Smith","startTime":3662.9,"endTime":3666.98,"body":"ingredients. So you know, single"},{"speaker":"Alan Smith","startTime":3662.9,"endTime":3666.98,"body":"ingredient foods, whether that's"},{"speaker":"Alan Smith","startTime":3667.04,"endTime":3671.48,"body":"a a chicken or whatever, but"},{"speaker":"Alan Smith","startTime":3667.04,"endTime":3671.48,"body":"with vegetables and I and within"},{"speaker":"Alan Smith","startTime":3671.48,"endTime":3674.7799999999997,"body":"that, I avoid or minimize"},{"speaker":"Alan Smith","startTime":3671.48,"endTime":3674.7799999999997,"body":"exposure to carbs. And carbs are"},{"speaker":"Alan Smith","startTime":3674.7799999999997,"endTime":3679.3599999999997,"body":"full of sugar, as we all know."},{"speaker":"Alan Smith","startTime":3674.7799999999997,"endTime":3679.3599999999997,"body":"So that so my diet is kept"},{"speaker":"Alan Smith","startTime":3679.42,"endTime":3683.14,"body":"relatively healthy by eating one"},{"speaker":"Alan Smith","startTime":3679.42,"endTime":3683.14,"body":"meal a day and making sure it's"},{"speaker":"Alan Smith","startTime":3683.14,"endTime":3686.8599999999997,"body":"predominantly low carb, low"},{"speaker":"Alan Smith","startTime":3683.14,"endTime":3686.8599999999997,"body":"sugar. And I have, on occasions"},{"speaker":"Alan Smith","startTime":3686.8599999999997,"endTime":3690.58,"body":"in the past, I've done 48 hour"},{"speaker":"Alan Smith","startTime":3686.8599999999997,"endTime":3690.58,"body":"fasts. I want to do a 72 hour"},{"speaker":"Alan Smith","startTime":3690.58,"endTime":3694.2999999999997,"body":"fast quite soon. And it's a"},{"speaker":"Alan Smith","startTime":3690.58,"endTime":3694.2999999999997,"body":"really interesting concept, this"},{"speaker":"Alan Smith","startTime":3694.2999999999997,"endTime":3698.04,"body":"idea of fasting, it sounds"},{"speaker":"Alan Smith","startTime":3694.2999999999997,"endTime":3698.04,"body":"impossible, but it's weird how"},{"speaker":"Alan Smith","startTime":3698.04,"endTime":3700.98,"body":"the you know, the body has this"},{"speaker":"Alan Smith","startTime":3698.04,"endTime":3700.98,"body":"ability, but we're all storing"},{"speaker":"Alan Smith","startTime":3700.98,"endTime":3704.52,"body":"loads and loads of fat on us,"},{"speaker":"Alan Smith","startTime":3700.98,"endTime":3704.52,"body":"and you could, you get a certain"},{"speaker":"Alan Smith","startTime":3704.52,"endTime":3707.3399999999997,"body":"level an energy boost after so"},{"speaker":"Alan Smith","startTime":3704.52,"endTime":3707.3399999999997,"body":"they haven't eaten anything for"},{"speaker":"Alan Smith","startTime":3707.3399999999997,"endTime":3710.4,"body":"24 hours, and you can"},{"speaker":"Alan Smith","startTime":3707.3399999999997,"endTime":3710.4,"body":"comfortably go again. So look"},{"speaker":"Alan Smith","startTime":3710.4,"endTime":3714.3599999999997,"body":"that. That's my starter for 10"},{"speaker":"Alan Smith","startTime":3710.4,"endTime":3714.3599999999997,"body":"in terms of just basic program"},{"speaker":"Alan Smith","startTime":3714.3599999999997,"endTime":3717.8599999999997,"body":"to try to keep relatively sane."},{"speaker":"Alan Smith","startTime":3714.3599999999997,"endTime":3717.8599999999997,"body":"Not the fittest guy in the world"},{"speaker":"Alan Smith","startTime":3717.8599999999997,"endTime":3722.42,"body":"by any means, but it could be a"},{"speaker":"Alan Smith","startTime":3717.8599999999997,"endTime":3722.42,"body":"lot, a lot worse. Who wants to"},{"speaker":"Alan Smith","startTime":3722.42,"endTime":3723.02,"body":"go next?"},{"speaker":"Nick Lincoln","startTime":3724.64,"endTime":3727.04,"body":"And you go next,"},{"speaker":"Nick Lincoln","startTime":3724.64,"endTime":3727.04,"body":"you've got five pints and four."},{"speaker":"Nick Lincoln","startTime":3727.04,"endTime":3727.52,"body":"What's that?"},{"speaker":"Andy Hart","startTime":3731.18,"endTime":3734.18,"body":"Okay, so what do I"},{"speaker":"Andy Hart","startTime":3731.18,"endTime":3734.18,"body":"do? Bit of an in joke there."},{"speaker":"Andy Hart","startTime":3734.18,"endTime":3737.5,"body":"Nick, you can hear it. You can"},{"speaker":"Andy Hart","startTime":3734.18,"endTime":3737.5,"body":"hear that story at trap live."},{"speaker":"Andy Hart","startTime":3738.16,"endTime":3742.2999999999997,"body":"Oh, yeah, still working on it,"},{"speaker":"Andy Hart","startTime":3738.16,"endTime":3742.2999999999997,"body":"still working on it. Now. So"},{"speaker":"Andy Hart","startTime":3742.2999999999997,"endTime":3748.0,"body":"what do I do? Yeah, I like to"},{"speaker":"Andy Hart","startTime":3742.2999999999997,"endTime":3748.0,"body":"keep fit, both body and mind."},{"speaker":"Andy Hart","startTime":3748.24,"endTime":3751.7799999999997,"body":"The main thing I do is running."},{"speaker":"Andy Hart","startTime":3748.24,"endTime":3751.7799999999997,"body":"I suppose I've been running for"},{"speaker":"Andy Hart","startTime":3752.08,"endTime":3761.2799999999997,"body":"20 years. Pandemic, sorry,"},{"speaker":"Andy Hart","startTime":3752.08,"endTime":3761.2799999999997,"body":"sirens, sirens, thank you."},{"speaker":"Andy Hart","startTime":3761.3399999999997,"endTime":3765.6,"body":"Running from running most of my"},{"speaker":"Andy Hart","startTime":3761.3399999999997,"endTime":3765.6,"body":"adult life, been going to the"},{"speaker":"Andy Hart","startTime":3765.6,"endTime":3769.02,"body":"gym. Most of my adult life, I"},{"speaker":"Andy Hart","startTime":3765.6,"endTime":3769.02,"body":"get on most days and do some"},{"speaker":"Andy Hart","startTime":3769.02,"endTime":3771.96,"body":"form of physical exercise. At"},{"speaker":"Andy Hart","startTime":3769.02,"endTime":3771.96,"body":"the moment, I'm probably only"},{"speaker":"Andy Hart","startTime":3771.96,"endTime":3777.14,"body":"running about two or three times"},{"speaker":"Andy Hart","startTime":3771.96,"endTime":3777.14,"body":"a week whenever I'm away, which"},{"speaker":"Andy Hart","startTime":3777.14,"endTime":3780.38,"body":"is quite frequently I get up and"},{"speaker":"Andy Hart","startTime":3777.14,"endTime":3780.38,"body":"run around a random city. So"},{"speaker":"Andy Hart","startTime":3780.38,"endTime":3783.98,"body":"that's all good. I do quite a"},{"speaker":"Andy Hart","startTime":3780.38,"endTime":3783.98,"body":"lot of weight training with"},{"speaker":"Andy Hart","startTime":3784.04,"endTime":3786.92,"body":"mainly dumbbells at home, so"},{"speaker":"Andy Hart","startTime":3784.04,"endTime":3786.92,"body":"YouTube workouts and stuff. But"},{"speaker":"Andy Hart","startTime":3786.92,"endTime":3789.68,"body":"recently I've got this horrible"},{"speaker":"Andy Hart","startTime":3786.92,"endTime":3789.68,"body":"condition called weight lifters"},{"speaker":"Andy Hart","startTime":3789.68,"endTime":3793.16,"body":"elbows, like tennis elbow,"},{"speaker":"Andy Hart","startTime":3789.68,"endTime":3793.16,"body":"golfers, elbow, gardeners,"},{"speaker":"Andy Hart","startTime":3793.16,"endTime":3798.88,"body":"elbow, absolute killer. So yeah,"},{"speaker":"Andy Hart","startTime":3793.16,"endTime":3798.88,"body":"that's mainly the most of the"},{"speaker":"Andy Hart","startTime":3798.88,"endTime":3801.7599999999998,"body":"stuff that I've done when I was"},{"speaker":"Andy Hart","startTime":3798.88,"endTime":3801.7599999999998,"body":"in my 20s. I did quite a lot of"},{"speaker":"Andy Hart","startTime":3801.7599999999998,"endTime":3804.52,"body":"kickboxing and boxing, so I got"},{"speaker":"Andy Hart","startTime":3801.7599999999998,"endTime":3804.52,"body":"into quite good shape doing"},{"speaker":"Andy Hart","startTime":3804.52,"endTime":3808.72,"body":"that, I worked with a PT for"},{"speaker":"Andy Hart","startTime":3804.52,"endTime":3808.72,"body":"about five or six years. I"},{"speaker":"Andy Hart","startTime":3808.72,"endTime":3812.68,"body":"stopped that when COVID kicked"},{"speaker":"Andy Hart","startTime":3808.72,"endTime":3812.68,"body":"off, but I can understand, you"},{"speaker":"Andy Hart","startTime":3812.68,"endTime":3815.74,"body":"know, the benefits of it, and"},{"speaker":"Andy Hart","startTime":3812.68,"endTime":3815.74,"body":"I'll work with a coach again in"},{"speaker":"Andy Hart","startTime":3815.74,"endTime":3821.4,"body":"the future. Food wise, I use a"},{"speaker":"Andy Hart","startTime":3815.74,"endTime":3821.4,"body":"food service called Pot o gold,"},{"speaker":"Andy Hart","startTime":3821.7,"endTime":3825.7799999999997,"body":"which deliver small,"},{"speaker":"Andy Hart","startTime":3821.7,"endTime":3825.7799999999997,"body":"microwavable meals, perfect for"},{"speaker":"Andy Hart","startTime":3825.96,"endTime":3832.08,"body":"sort of busy people. I don't"},{"speaker":"Andy Hart","startTime":3825.96,"endTime":3832.08,"body":"really know what else to say."},{"speaker":"Andy Hart","startTime":3832.08,"endTime":3834.9,"body":"Really, I suppose I dabble in a"},{"speaker":"Andy Hart","startTime":3832.08,"endTime":3834.9,"body":"little bit of tech here, there"},{"speaker":"Andy Hart","startTime":3834.9,"endTime":3838.22,"body":"and everywhere. Why? Why do you"},{"speaker":"Andy Hart","startTime":3834.9,"endTime":3838.22,"body":"deepen the most? Why do you do"},{"speaker":"Andy Hart","startTime":3838.22,"endTime":3842.0,"body":"it? Why do I do What? Why do you"},{"speaker":"Andy Hart","startTime":3838.22,"endTime":3842.0,"body":"have this Why do you have this"},{"speaker":"Andy Hart","startTime":3842.0,"endTime":3848.24,"body":"fitness regime? I just want to"},{"speaker":"Andy Hart","startTime":3842.0,"endTime":3848.24,"body":"keep fit. I intentionally buy"},{"speaker":"Andy Hart","startTime":3848.24,"endTime":3852.14,"body":"quite tight fitting clothes so"},{"speaker":"Andy Hart","startTime":3848.24,"endTime":3852.14,"body":"don't put on any weight. I did"},{"speaker":"Andy Hart","startTime":3852.14,"endTime":3855.2,"body":"hear Jimmy Carr once saying, one"},{"speaker":"Andy Hart","startTime":3852.14,"endTime":3855.2,"body":"of his talks that he's got a low"},{"speaker":"Andy Hart","startTime":3855.2,"endTime":3858.02,"body":"level eating disorder, and they"},{"speaker":"Andy Hart","startTime":3855.2,"endTime":3858.02,"body":"just sent me to bring the eyes"},{"speaker":"Andy Hart","startTime":3858.02,"endTime":3860.7999999999997,"body":"is exactly what I've got. But"},{"speaker":"Andy Hart","startTime":3858.02,"endTime":3860.7999999999997,"body":"I'll move on from that. So I"},{"speaker":"Andy Hart","startTime":3860.7999999999997,"endTime":3865.72,"body":"have very small portions. I'm"},{"speaker":"Andy Hart","startTime":3860.7999999999997,"endTime":3865.72,"body":"out quite a bit. And again, it's"},{"speaker":"Andy Hart","startTime":3865.72,"endTime":3868.72,"body":"balancing both things, isn't it?"},{"speaker":"Andy Hart","startTime":3865.72,"endTime":3868.72,"body":"You know, I like a drink as"},{"speaker":"Andy Hart","startTime":3868.72,"endTime":3873.04,"body":"such, but then I need to sort of"},{"speaker":"Andy Hart","startTime":3868.72,"endTime":3873.04,"body":"offset that with working out the"},{"speaker":"Andy Hart","startTime":3873.04,"endTime":3876.04,"body":"next morning sleeps. Keith"},{"speaker":"Andy Hart","startTime":3873.04,"endTime":3876.04,"body":"wouldn't talk about sleep, I"},{"speaker":"Andy Hart","startTime":3876.04,"endTime":3879.0,"body":"suppose. Obviously, if you've"},{"speaker":"Andy Hart","startTime":3876.04,"endTime":3879.0,"body":"had a couple of drinks, sleeps"},{"speaker":"Andy Hart","startTime":3879.0,"endTime":3882.12,"body":"all over the shop. That's"},{"speaker":"Andy Hart","startTime":3879.0,"endTime":3882.12,"body":"basically what happens with me."},{"speaker":"Andy Hart","startTime":3882.18,"endTime":3884.94,"body":"If I don't have a drink, then"},{"speaker":"Andy Hart","startTime":3882.18,"endTime":3884.94,"body":"obviously sleep is a lot better."},{"speaker":"Andy Hart","startTime":3884.94,"endTime":3888.6,"body":"So I, you know, I track my"},{"speaker":"Andy Hart","startTime":3884.94,"endTime":3888.6,"body":"sleep, as it were, mainly"},{"speaker":"Andy Hart","startTime":3888.6,"endTime":3892.38,"body":"through my eye watch. And here's"},{"speaker":"Andy Hart","startTime":3888.6,"endTime":3892.38,"body":"the controversial thing. In"},{"speaker":"Andy Hart","startTime":3892.38,"endTime":3896.7799999999997,"body":"recent times, I have started to"},{"speaker":"Andy Hart","startTime":3892.38,"endTime":3896.7799999999997,"body":"mouth tape when I go to bed."},{"speaker":"Unknown","startTime":3897.38,"endTime":3901.04,"body":"Here we go. There's a"},{"speaker":"Unknown","startTime":3897.38,"endTime":3901.04,"body":"lot of benefits"},{"speaker":"Andy Hart","startTime":3901.04,"endTime":3905.72,"body":"to mouth vaping. Does"},{"speaker":"Andy Hart","startTime":3901.04,"endTime":3905.72,"body":"she object here? The benefits"},{"speaker":"Andy Hart","startTime":3905.72,"endTime":3910.3399999999997,"body":"your sleep quality improves,"},{"speaker":"Andy Hart","startTime":3905.72,"endTime":3910.3399999999997,"body":"your enhanced oxygenation."},{"speaker":"Andy Hart","startTime":3911.8399999999997,"endTime":3917.44,"body":"Reduce Risk of sleep apnea. You"},{"speaker":"Andy Hart","startTime":3911.8399999999997,"endTime":3917.44,"body":"don't snore, so your other half,"},{"speaker":"Andy Hart","startTime":3917.44,"endTime":3920.44,"body":"your partner, doesn't want to"},{"speaker":"Andy Hart","startTime":3917.44,"endTime":3920.44,"body":"kill you and kick you out. And"},{"speaker":"Andy Hart","startTime":3920.44,"endTime":3924.1,"body":"also improves your jawline. And"},{"speaker":"Andy Hart","startTime":3920.44,"endTime":3924.1,"body":"I've been doing it for about a"},{"speaker":"Andy Hart","startTime":3924.1,"endTime":3928.96,"body":"month now. It's all the rage on"},{"speaker":"Andy Hart","startTime":3924.1,"endTime":3928.96,"body":"the inter on the interweb."},{"speaker":"Andy Hart","startTime":3929.62,"endTime":3933.16,"body":"Obviously you boys have not got"},{"speaker":"Andy Hart","startTime":3929.62,"endTime":3933.16,"body":"the memo. But like all things, I"},{"speaker":"Andy Hart","startTime":3933.16,"endTime":3935.74,"body":"bring them up, you take the piss"},{"speaker":"Andy Hart","startTime":3933.16,"endTime":3935.74,"body":"and you do them in three months"},{"speaker":"Andy Hart","startTime":3935.74,"endTime":3939.18,"body":"time or six months time. So I'm"},{"speaker":"Andy Hart","startTime":3935.74,"endTime":3939.18,"body":"awaiting to hear your mouth"},{"speaker":"Andy Hart","startTime":3939.18,"endTime":3944.64,"body":"taping stories, training regime."},{"speaker":"Alan Smith","startTime":3944.7599999999998,"endTime":3948.0,"body":"I need to know what"},{"speaker":"Alan Smith","startTime":3944.7599999999998,"endTime":3948.0,"body":"you literally tape across your"},{"speaker":"Alan Smith","startTime":3948.0,"endTime":3948.96,"body":"mouth when you go to bed."},{"speaker":"Andy Hart","startTime":3950.339,"endTime":3953.819,"body":"There's many"},{"speaker":"Andy Hart","startTime":3950.339,"endTime":3953.819,"body":"different types of mouth. It's"},{"speaker":"Andy Hart","startTime":3953.819,"endTime":3956.219,"body":"like a small plaster that you"},{"speaker":"Andy Hart","startTime":3953.819,"endTime":3956.219,"body":"just put over your mouth so it"},{"speaker":"Andy Hart","startTime":3956.219,"endTime":3961.0989999999997,"body":"just enhances mouth breathing."},{"speaker":"Andy Hart","startTime":3956.219,"endTime":3961.0989999999997,"body":"Oh, breathing out your mouth is"},{"speaker":"Andy Hart","startTime":3961.0989999999997,"endTime":3965.5389999999998,"body":"terrible while sleeping. Hence"},{"speaker":"Andy Hart","startTime":3961.0989999999997,"endTime":3965.5389999999998,"body":"you tape your mouth, but you're"},{"speaker":"Andy Hart","startTime":3965.5389999999998,"endTime":3968.359,"body":"naturally inclined to breathe"},{"speaker":"Andy Hart","startTime":3965.5389999999998,"endTime":3968.359,"body":"out your mouth versus your nose."},{"speaker":"Carl Widger","startTime":3968.659,"endTime":3970.759,"body":"I'm out of 50"},{"speaker":"Carl Widger","startTime":3968.659,"endTime":3970.759,"body":"years. It's gone. Okay?"},{"speaker":"Andy Hart","startTime":3971.0,"endTime":3975.38,"body":"This is not me coming"},{"speaker":"Andy Hart","startTime":3971.0,"endTime":3975.38,"body":"out with some new wacky idea all"},{"speaker":"Andy Hart","startTime":3975.38,"endTime":3978.22,"body":"the people you. Follow online"},{"speaker":"Andy Hart","startTime":3975.38,"endTime":3978.22,"body":"that you know"},{"speaker":"Nick Lincoln","startTime":3979.779,"endTime":3981.219,"body":"don't get defense"},{"speaker":"Nick Lincoln","startTime":3979.779,"endTime":3981.219,"body":"by this."},{"speaker":"Andy Hart","startTime":3982.48,"endTime":3984.58,"body":"I've only been doing"},{"speaker":"Andy Hart","startTime":3982.48,"endTime":3984.58,"body":"them. I've been aware of it for"},{"speaker":"Andy Hart","startTime":3984.64,"endTime":3986.92,"body":"three or four years, and I've"},{"speaker":"Andy Hart","startTime":3984.64,"endTime":3986.92,"body":"been like, you guessing"},{"speaker":"Carl Widger","startTime":3986.92,"endTime":3989.62,"body":"defensive Nick,"},{"speaker":"Carl Widger","startTime":3986.92,"endTime":3989.62,"body":"okay? And I was like, No,"},{"speaker":"Andy Hart","startTime":3990.7599999999998,"endTime":3992.68,"body":"that's not gonna be"},{"speaker":"Andy Hart","startTime":3990.7599999999998,"endTime":3992.68,"body":"me, that's not gonna be me,"},{"speaker":"Andy Hart","startTime":3992.68,"endTime":3996.6,"body":"that's not gonna be me. And"},{"speaker":"Andy Hart","startTime":3992.68,"endTime":3996.6,"body":"then, after the 4000s advert, I"},{"speaker":"Andy Hart","startTime":3996.6,"endTime":3999.12,"body":"was like, right let me go to"},{"speaker":"Andy Hart","startTime":3996.6,"endTime":3999.12,"body":"Amazon and check out mouth"},{"speaker":"Andy Hart","startTime":3999.12,"endTime":4002.9,"body":"taping. So me, Pierre and Pete"},{"speaker":"Andy Hart","startTime":3999.12,"endTime":4002.9,"body":"again, two close mates of mine."},{"speaker":"Andy Hart","startTime":4002.9,"endTime":4005.96,"body":"We're sort of part of this sleep"},{"speaker":"Andy Hart","startTime":4002.9,"endTime":4005.96,"body":"mouth taping."},{"speaker":"Nick Lincoln","startTime":4007.58,"endTime":4010.58,"body":"Anyway, you share"},{"speaker":"Nick Lincoln","startTime":4007.58,"endTime":4010.58,"body":"notes about your mouth taping"},{"speaker":"Nick Lincoln","startTime":4010.58,"endTime":4011.8399999999997,"body":"experiences you've"},{"speaker":"Andy Hart","startTime":4011.8399999999997,"endTime":4014.42,"body":"never that before."},{"speaker":"Andy Hart","startTime":4011.8399999999997,"endTime":4014.42,"body":"Have you mouth taping gang right"},{"speaker":"Andy Hart","startTime":4014.42,"endTime":4015.8599999999997,"body":"now, I've seen"},{"speaker":"Nick Lincoln","startTime":4015.8599999999997,"endTime":4018.3399999999997,"body":"some videos, and"},{"speaker":"Nick Lincoln","startTime":4015.8599999999997,"endTime":4018.3399999999997,"body":"they're quite hard."},{"speaker":"Andy Hart","startTime":4020.92,"endTime":4021.7599999999998,"body":"Search History."},{"speaker":"Nick Lincoln","startTime":4022.18,"endTime":4024.46,"body":"We'll do Carl"},{"speaker":"Nick Lincoln","startTime":4022.18,"endTime":4024.46,"body":"first, so we'll go from Andy"},{"speaker":"Nick Lincoln","startTime":4024.46,"endTime":4027.46,"body":"small portions to you. Carl, how"},{"speaker":"Nick Lincoln","startTime":4024.46,"endTime":4027.46,"body":"are you? How's your body?"},{"speaker":"Carl Widger","startTime":4029.98,"endTime":4035.14,"body":"Nice? Yeah, yeah. I"},{"speaker":"Carl Widger","startTime":4029.98,"endTime":4035.14,"body":"got to be honest about this,"},{"speaker":"Carl Widger","startTime":4035.14,"endTime":4039.7799999999997,"body":"right? So a little bit like"},{"speaker":"Carl Widger","startTime":4035.14,"endTime":4039.7799999999997,"body":"somebody saying to me, you need"},{"speaker":"Carl Widger","startTime":4039.7799999999997,"endTime":4044.7,"body":"to look at your own half century"},{"speaker":"Carl Widger","startTime":4039.7799999999997,"endTime":4044.7,"body":"Chronicles. I'm good sometimes."},{"speaker":"Carl Widger","startTime":4044.7,"endTime":4049.3199999999997,"body":"I'm not so good sometimes, and"},{"speaker":"Carl Widger","startTime":4044.7,"endTime":4049.3199999999997,"body":"I'm mostly probably somewhere in"},{"speaker":"Carl Widger","startTime":4049.3199999999997,"endTime":4054.96,"body":"between. The Walking is the one"},{"speaker":"Carl Widger","startTime":4049.3199999999997,"endTime":4054.96,"body":"thing that I am consistently"},{"speaker":"Carl Widger","startTime":4054.96,"endTime":4060.38,"body":"good at, because it frees my"},{"speaker":"Carl Widger","startTime":4054.96,"endTime":4060.38,"body":"brain and just helps me, I think"},{"speaker":"Carl Widger","startTime":4060.38,"endTime":4063.68,"body":"regulate myself is probably a"},{"speaker":"Carl Widger","startTime":4060.38,"endTime":4063.68,"body":"good way of putting it. So I do."},{"speaker":"Carl Widger","startTime":4063.68,"endTime":4067.58,"body":"I'm like myself and Nick are"},{"speaker":"Carl Widger","startTime":4063.68,"endTime":4067.58,"body":"always showing off, but Nick is"},{"speaker":"Carl Widger","startTime":4067.58,"endTime":4072.74,"body":"always more than me, but my one"},{"speaker":"Carl Widger","startTime":4067.58,"endTime":4072.74,"body":"year watch tells me that I'm"},{"speaker":"Carl Widger","startTime":4072.7999999999997,"endTime":4078.46,"body":"averaging 11,170 steps a day. So"},{"speaker":"Carl Widger","startTime":4072.7999999999997,"endTime":4078.46,"body":"I do consistently do 10,000 a"},{"speaker":"Carl Widger","startTime":4078.46,"endTime":4081.22,"body":"day. I'm on a streak at the"},{"speaker":"Carl Widger","startTime":4078.46,"endTime":4081.22,"body":"moment and trying to beat my"},{"speaker":"Carl Widger","startTime":4081.22,"endTime":4086.2599999999998,"body":"best streak, which was 44 days,"},{"speaker":"Carl Widger","startTime":4081.22,"endTime":4086.2599999999998,"body":"which I'm gonna do. So that's"},{"speaker":"Carl Widger","startTime":4086.2599999999998,"endTime":4090.4,"body":"probably the one that I'm most,"},{"speaker":"Carl Widger","startTime":4086.2599999999998,"endTime":4090.4,"body":"most most consistent at, and"},{"speaker":"Carl Widger","startTime":4090.88,"endTime":4096.22,"body":"probably does help me the most."},{"speaker":"Carl Widger","startTime":4090.88,"endTime":4096.22,"body":"Back in 2018 I met a guy called"},{"speaker":"Carl Widger","startTime":4096.22,"endTime":4099.36,"body":"Joe O'Connor, who was my"},{"speaker":"Carl Widger","startTime":4096.22,"endTime":4099.36,"body":"personal trainer. Joe's, uh,"},{"speaker":"Carl Widger","startTime":4099.36,"endTime":4101.88,"body":"actually doing a PhD at the"},{"speaker":"Carl Widger","startTime":4099.36,"endTime":4101.88,"body":"moment. He's a sports scientist,"},{"speaker":"Carl Widger","startTime":4101.88,"endTime":4104.7,"body":"and he was brilliant, because he"},{"speaker":"Carl Widger","startTime":4101.88,"endTime":4104.7,"body":"introduced me to the my zone"},{"speaker":"Carl Widger","startTime":4104.7,"endTime":4108.42,"body":"belt. It's basically a heart"},{"speaker":"Carl Widger","startTime":4104.7,"endTime":4108.42,"body":"rate monitor, and it's kind of"},{"speaker":"Carl Widger","startTime":4108.42,"endTime":4111.84,"body":"gamified. Is that the the word"},{"speaker":"Carl Widger","startTime":4108.42,"endTime":4111.84,"body":"I'm looking for? So I have to do"},{"speaker":"Carl Widger","startTime":4112.02,"endTime":4115.9800000000005,"body":"1300 maps. Don't ask me what"},{"speaker":"Carl Widger","startTime":4112.02,"endTime":4115.9800000000005,"body":"maps means. But the higher your"},{"speaker":"Carl Widger","startTime":4115.9800000000005,"endTime":4118.88,"body":"heart rate, the more maps you"},{"speaker":"Carl Widger","startTime":4115.9800000000005,"endTime":4118.88,"body":"get per exercise and all that"},{"speaker":"Carl Widger","startTime":4118.88,"endTime":4121.7,"body":"kind of stuff, and you go"},{"speaker":"Carl Widger","startTime":4118.88,"endTime":4121.7,"body":"through various levels. So I'm"},{"speaker":"Carl Widger","startTime":4121.7,"endTime":4124.76,"body":"at Hall of Fame because I've"},{"speaker":"Carl Widger","startTime":4121.7,"endTime":4124.76,"body":"done it for five whole years in"},{"speaker":"Carl Widger","startTime":4124.76,"endTime":4127.4000000000005,"body":"a row. Would you believe, which"},{"speaker":"Carl Widger","startTime":4124.76,"endTime":4127.4000000000005,"body":"I know is very hard to believe."},{"speaker":"Carl Widger","startTime":4127.58,"endTime":4131.78,"body":"And you'll also realize that the"},{"speaker":"Carl Widger","startTime":4127.58,"endTime":4131.78,"body":"1300 isn't exactly a massive"},{"speaker":"Carl Widger","startTime":4131.78,"endTime":4132.62,"body":"target. If they're"},{"speaker":"Andy Hart","startTime":4132.62,"endTime":4135.38,"body":"looking for a postage"},{"speaker":"Andy Hart","startTime":4132.62,"endTime":4135.38,"body":"hole for the advert, I say hold"},{"speaker":"Andy Hart","startTime":4135.38,"endTime":4136.34,"body":"fire with you. Carl,"},{"speaker":"Carl Widger","startTime":4138.02,"endTime":4141.52,"body":"yeah. Thanks for"},{"speaker":"Carl Widger","startTime":4138.02,"endTime":4141.52,"body":"that. I think definitely not"},{"speaker":"Carl Widger","startTime":4141.52,"endTime":4147.04,"body":"going to get defensive. Yeah. So"},{"speaker":"Carl Widger","startTime":4141.52,"endTime":4147.04,"body":"Josh Joe, as Joe became a pal of"},{"speaker":"Carl Widger","startTime":4147.04,"endTime":4151.9000000000005,"body":"mine, and sometimes when I'm not"},{"speaker":"Carl Widger","startTime":4147.04,"endTime":4151.9000000000005,"body":"doing so good on it all, I will"},{"speaker":"Carl Widger","startTime":4151.9000000000005,"endTime":4155.38,"body":"reconnect with Joe, and Joe kind"},{"speaker":"Carl Widger","startTime":4151.9000000000005,"endTime":4155.38,"body":"of does a couple of sessions"},{"speaker":"Carl Widger","startTime":4155.38,"endTime":4159.24,"body":"with me, which is really good."},{"speaker":"Carl Widger","startTime":4155.38,"endTime":4159.24,"body":"I've been totally open that back"},{"speaker":"Carl Widger","startTime":4159.24,"endTime":4162.3,"body":"in 2018 at the Munster high"},{"speaker":"Carl Widger","startTime":4159.24,"endTime":4162.3,"body":"performance leadership course, I"},{"speaker":"Carl Widger","startTime":4162.3,"endTime":4167.46,"body":"met Dr Patrick Ryan, who is a"},{"speaker":"Carl Widger","startTime":4162.3,"endTime":4167.46,"body":"psychologist. And I do regular"},{"speaker":"Carl Widger","startTime":4167.46,"endTime":4171.4800000000005,"body":"check ins with Patrick, and I"},{"speaker":"Carl Widger","startTime":4167.46,"endTime":4171.4800000000005,"body":"don't do them. When I say"},{"speaker":"Carl Widger","startTime":4171.4800000000005,"endTime":4176.7,"body":"regular, they're probably not"},{"speaker":"Carl Widger","startTime":4171.4800000000005,"endTime":4176.7,"body":"that often anymore, but they did"},{"speaker":"Carl Widger","startTime":4176.76,"endTime":4180.62,"body":"definitely, definitely sitting"},{"speaker":"Carl Widger","startTime":4176.76,"endTime":4180.62,"body":"down and talking to somebody who"},{"speaker":"Carl Widger","startTime":4180.62,"endTime":4185.12,"body":"I trust and who knows my story"},{"speaker":"Carl Widger","startTime":4180.62,"endTime":4185.12,"body":"inside and out, definitely does"},{"speaker":"Carl Widger","startTime":4185.12,"endTime":4191.12,"body":"help me. And I suppose I've a"},{"speaker":"Carl Widger","startTime":4185.12,"endTime":4191.12,"body":"couple of years back. You boys"},{"speaker":"Carl Widger","startTime":4191.12,"endTime":4194.66,"body":"know I suffered from burnout,"},{"speaker":"Carl Widger","startTime":4191.12,"endTime":4194.66,"body":"right? So it just all came in on"},{"speaker":"Carl Widger","startTime":4194.66,"endTime":4197.62,"body":"top of me, everything at one"},{"speaker":"Carl Widger","startTime":4194.66,"endTime":4197.62,"body":"time, and I took a couple of"},{"speaker":"Carl Widger","startTime":4197.62,"endTime":4201.5199999999995,"body":"weeks off work. And I suppose"},{"speaker":"Carl Widger","startTime":4197.62,"endTime":4201.5199999999995,"body":"I'm always trying to"},{"speaker":"Carl Widger","startTime":4201.58,"endTime":4206.08,"body":"acknowledge, am I, am I on? Am I"},{"speaker":"Carl Widger","startTime":4201.58,"endTime":4206.08,"body":"on that path again? Because I've"},{"speaker":"Carl Widger","startTime":4206.08,"endTime":4210.88,"body":"never, never want to get on that"},{"speaker":"Carl Widger","startTime":4206.08,"endTime":4210.88,"body":"path again. And and what I would"},{"speaker":"Carl Widger","startTime":4210.88,"endTime":4214.18,"body":"say is like, so we're met as"},{"speaker":"Carl Widger","startTime":4210.88,"endTime":4214.18,"body":"Ireland. At the moment, we're"},{"speaker":"Carl Widger","startTime":4214.18,"endTime":4217.86,"body":"absolutely flying it. It's"},{"speaker":"Carl Widger","startTime":4214.18,"endTime":4217.86,"body":"really, really busy. We've a lot"},{"speaker":"Carl Widger","startTime":4217.86,"endTime":4219.96,"body":"of new staff. The team is"},{"speaker":"Carl Widger","startTime":4217.86,"endTime":4219.96,"body":"growing, and all that kind of"},{"speaker":"Carl Widger","startTime":4219.96,"endTime":4223.2,"body":"stuff. So it's all really,"},{"speaker":"Carl Widger","startTime":4219.96,"endTime":4223.2,"body":"really good, and yet sometimes I"},{"speaker":"Carl Widger","startTime":4223.2,"endTime":4226.32,"body":"do feel the pressure, you know?"},{"speaker":"Carl Widger","startTime":4223.2,"endTime":4226.32,"body":"So it's not necessarily the"},{"speaker":"Carl Widger","startTime":4226.32,"endTime":4229.32,"body":"pressure, and this burnout thing"},{"speaker":"Carl Widger","startTime":4226.32,"endTime":4229.32,"body":"doesn't necessarily just happen,"},{"speaker":"Carl Widger","startTime":4229.62,"endTime":4232.26,"body":"you know, if things are bad or"},{"speaker":"Carl Widger","startTime":4229.62,"endTime":4232.26,"body":"you're going through a couple of"},{"speaker":"Carl Widger","startTime":4232.26,"endTime":4236.9,"body":"bad moments, it can also happen"},{"speaker":"Carl Widger","startTime":4232.26,"endTime":4236.9,"body":"when it's just so busy that I'm"},{"speaker":"Carl Widger","startTime":4236.9,"endTime":4239.5999999999995,"body":"like going, and I can I know"},{"speaker":"Carl Widger","startTime":4236.9,"endTime":4239.5999999999995,"body":"when I feel it, because I'm"},{"speaker":"Carl Widger","startTime":4239.5999999999995,"endTime":4242.3,"body":"really good at making decisions."},{"speaker":"Carl Widger","startTime":4239.5999999999995,"endTime":4242.3,"body":"And just keep going, keep going,"},{"speaker":"Carl Widger","startTime":4242.3,"endTime":4245.5999999999995,"body":"keep going. And what happens is"},{"speaker":"Carl Widger","startTime":4242.3,"endTime":4245.5999999999995,"body":"I get a little bit frozen in the"},{"speaker":"Carl Widger","startTime":4245.5999999999995,"endTime":4248.96,"body":"decision making when I'm when"},{"speaker":"Carl Widger","startTime":4245.5999999999995,"endTime":4248.96,"body":"everything starts to come in on"},{"speaker":"Carl Widger","startTime":4248.96,"endTime":4252.98,"body":"top of me. That's my that's my"},{"speaker":"Carl Widger","startTime":4248.96,"endTime":4252.98,"body":"cue to go and talk to Patrick."},{"speaker":"Carl Widger","startTime":4253.22,"endTime":4256.36,"body":"Go and get Joe, get there's a"},{"speaker":"Carl Widger","startTime":4253.22,"endTime":4256.36,"body":"couple of mates of mine that"},{"speaker":"Carl Widger","startTime":4256.36,"endTime":4260.62,"body":"I'll go for a walk with, you"},{"speaker":"Carl Widger","startTime":4256.36,"endTime":4260.62,"body":"know, that kind of stuff. So I"},{"speaker":"Carl Widger","startTime":4260.62,"endTime":4264.94,"body":"would say, you know, look, it's"},{"speaker":"Carl Widger","startTime":4260.62,"endTime":4264.94,"body":"an awful cliche, and it's"},{"speaker":"Carl Widger","startTime":4264.94,"endTime":4269.5,"body":"probably out there on social"},{"speaker":"Carl Widger","startTime":4264.94,"endTime":4269.5,"body":"media too much, right? But it is"},{"speaker":"Carl Widger","startTime":4269.5,"endTime":4275.26,"body":"okay not to be okay. It totally"},{"speaker":"Carl Widger","startTime":4269.5,"endTime":4275.26,"body":"is. And I'm, I suppose, the"},{"speaker":"Carl Widger","startTime":4275.26,"endTime":4278.94,"body":"older I. Yet, the more I don't"},{"speaker":"Carl Widger","startTime":4275.26,"endTime":4278.94,"body":"mind saying it that sometimes"},{"speaker":"Carl Widger","startTime":4278.94,"endTime":4282.9,"body":"I'm not okay, and sometimes I"},{"speaker":"Carl Widger","startTime":4278.94,"endTime":4282.9,"body":"do. And thankfully, those times"},{"speaker":"Carl Widger","startTime":4282.9,"endTime":4286.98,"body":"are much fewer and far between"},{"speaker":"Carl Widger","startTime":4282.9,"endTime":4286.98,"body":"than they used to be, but it is"},{"speaker":"Carl Widger","startTime":4286.98,"endTime":4291.24,"body":"something that I am very, very"},{"speaker":"Carl Widger","startTime":4286.98,"endTime":4291.24,"body":"conscious of, and I do right"},{"speaker":"Carl Widger","startTime":4291.24,"endTime":4293.76,"body":"now. A lot of this is self talk,"},{"speaker":"Carl Widger","startTime":4291.24,"endTime":4293.76,"body":"right? Because everything is"},{"speaker":"Carl Widger","startTime":4293.76,"endTime":4297.86,"body":"very, very busy, and I do need"},{"speaker":"Carl Widger","startTime":4293.76,"endTime":4297.86,"body":"to get back to a pretty strict"},{"speaker":"Carl Widger","startTime":4297.86,"endTime":4300.74,"body":"regime, and that's what works"},{"speaker":"Carl Widger","startTime":4297.86,"endTime":4300.74,"body":"for me, talking to somebody, and"},{"speaker":"Carl Widger","startTime":4300.74,"endTime":4303.98,"body":"get into a strict regime, get"},{"speaker":"Carl Widger","startTime":4300.74,"endTime":4303.98,"body":"myself back on track, and get"},{"speaker":"Carl Widger","startTime":4303.98,"endTime":4307.7,"body":"everything kind of home and"},{"speaker":"Carl Widger","startTime":4303.98,"endTime":4307.7,"body":"again. So, yeah, that's, that's"},{"speaker":"Carl Widger","startTime":4307.7,"endTime":4310.34,"body":"kind of what works for me. But"},{"speaker":"Carl Widger","startTime":4307.7,"endTime":4310.34,"body":"like, you're right, Andy, I'm"},{"speaker":"Carl Widger","startTime":4310.34,"endTime":4314.18,"body":"not the poster child. And it's"},{"speaker":"Carl Widger","startTime":4310.34,"endTime":4314.18,"body":"like, I'm not, I'm not, you"},{"speaker":"Carl Widger","startTime":4314.18,"endTime":4317.0199999999995,"body":"know, defensive, you know, no,"},{"speaker":"Carl Widger","startTime":4314.18,"endTime":4317.0199999999995,"body":"no, no, but I'm just being,"},{"speaker":"Carl Widger","startTime":4317.0199999999995,"endTime":4320.14,"body":"let's be realistic about this."},{"speaker":"Carl Widger","startTime":4317.0199999999995,"endTime":4320.14,"body":"Like, I do a lot of these things"},{"speaker":"Carl Widger","startTime":4320.2,"endTime":4323.74,"body":"a lot of the time, but there are"},{"speaker":"Carl Widger","startTime":4320.2,"endTime":4323.74,"body":"times I don't do pretty much"},{"speaker":"Nick Lincoln","startTime":4325.9,"endTime":4328.42,"body":"any work. We're"},{"speaker":"Nick Lincoln","startTime":4325.9,"endTime":4328.42,"body":"all falling Yeah, and that"},{"speaker":"Carl Widger","startTime":4328.42,"endTime":4330.82,"body":"that that's what"},{"speaker":"Carl Widger","startTime":4328.42,"endTime":4330.82,"body":"doesn't work for me. I need to,"},{"speaker":"Carl Widger","startTime":4330.82,"endTime":4333.34,"body":"you know, sometimes get a, give"},{"speaker":"Carl Widger","startTime":4330.82,"endTime":4333.34,"body":"myself a kick in the backside,"},{"speaker":"Carl Widger","startTime":4333.34,"endTime":4335.8,"body":"or someone else give me a kick"},{"speaker":"Carl Widger","startTime":4333.34,"endTime":4335.8,"body":"in the backside to go and do it."},{"speaker":"Carl Widger","startTime":4336.46,"endTime":4338.76,"body":"So, yeah, that's pretty much me."},{"speaker":"Andy Hart","startTime":4339.0,"endTime":4341.04,"body":"Yeah, the burnout"},{"speaker":"Andy Hart","startTime":4339.0,"endTime":4341.04,"body":"thing definitely is real. It hit"},{"speaker":"Andy Hart","startTime":4341.04,"endTime":4344.28,"body":"me really badly a few years ago,"},{"speaker":"Andy Hart","startTime":4341.04,"endTime":4344.28,"body":"and I to just completely cut off"},{"speaker":"Andy Hart","startTime":4344.28,"endTime":4347.58,"body":"for a while, but now I've just"},{"speaker":"Andy Hart","startTime":4344.28,"endTime":4347.58,"body":"got way better at recognizing"},{"speaker":"Andy Hart","startTime":4347.58,"endTime":4352.26,"body":"when it's bubbling and you just"},{"speaker":"Andy Hart","startTime":4347.58,"endTime":4352.26,"body":"need to take a step back. Not do"},{"speaker":"Andy Hart","startTime":4352.26,"endTime":4355.5,"body":"so many things, not juggle so"},{"speaker":"Andy Hart","startTime":4352.26,"endTime":4355.5,"body":"many balls, not launch so many"},{"speaker":"Andy Hart","startTime":4355.5,"endTime":4359.24,"body":"new projects, pass way more"},{"speaker":"Andy Hart","startTime":4355.5,"endTime":4359.24,"body":"things to the team. Yeah, I've"},{"speaker":"Andy Hart","startTime":4359.24,"endTime":4361.58,"body":"just got way better at"},{"speaker":"Andy Hart","startTime":4359.24,"endTime":4361.58,"body":"recognizing when it when it's"},{"speaker":"Carl Widger","startTime":4362.54,"endTime":4364.46,"body":"brewing. I couldn't"},{"speaker":"Carl Widger","startTime":4362.54,"endTime":4364.46,"body":"have said it better myself."},{"speaker":"Carl Widger","startTime":4364.46,"endTime":4367.16,"body":"Andy, that's exactly it like"},{"speaker":"Carl Widger","startTime":4364.46,"endTime":4367.16,"body":"it's it's you when you feel it"},{"speaker":"Carl Widger","startTime":4367.16,"endTime":4370.34,"body":"brewing, right? That it's coming"},{"speaker":"Carl Widger","startTime":4367.16,"endTime":4370.34,"body":"to be able to acknowledge that"},{"speaker":"Carl Widger","startTime":4370.34,"endTime":4373.7,"body":"is a key, key skill, right?"},{"speaker":"Carl Widger","startTime":4370.34,"endTime":4373.7,"body":"Yeah, key sometimes we don't. We"},{"speaker":"Carl Widger","startTime":4373.7,"endTime":4374.72,"body":"know next time when"},{"speaker":"Andy Hart","startTime":4374.72,"endTime":4378.58,"body":"your phone, eating,"},{"speaker":"Andy Hart","startTime":4374.72,"endTime":4378.58,"body":"well, less drinking, sleep in"},{"speaker":"Andy Hart","startTime":4378.58,"endTime":4381.58,"body":"bed. You've just got to cut all"},{"speaker":"Andy Hart","startTime":4378.58,"endTime":4381.58,"body":"the bad and increase good."},{"speaker":"Carl Widger","startTime":4381.94,"endTime":4384.82,"body":"There's two words,"},{"speaker":"Carl Widger","startTime":4381.94,"endTime":4384.82,"body":"Andy, I you know, it's time and"},{"speaker":"Carl Widger","startTime":4384.82,"endTime":4388.84,"body":"space. So when it starts coming"},{"speaker":"Carl Widger","startTime":4384.82,"endTime":4388.84,"body":"in, all right, I now need, no, I"},{"speaker":"Carl Widger","startTime":4388.84,"endTime":4392.26,"body":"need time and space. Everyone"},{"speaker":"Carl Widger","startTime":4388.84,"endTime":4392.26,"body":"needs to give me time and space,"},{"speaker":"Carl Widger","startTime":4392.32,"endTime":4396.24,"body":"and that's what works to but you"},{"speaker":"Carl Widger","startTime":4392.32,"endTime":4396.24,"body":"do need to check yourself out of"},{"speaker":"Carl Widger","startTime":4396.24,"endTime":4403.08,"body":"the the treadmill that is busy,"},{"speaker":"Carl Widger","startTime":4396.24,"endTime":4403.08,"body":"busy work life, and just take a"},{"speaker":"Carl Widger","startTime":4403.08,"endTime":4406.26,"body":"step back and everyone will be"},{"speaker":"Carl Widger","startTime":4403.08,"endTime":4406.26,"body":"better first you, you first and"},{"speaker":"Carl Widger","startTime":4406.26,"endTime":4408.42,"body":"foremost, but everyone around"},{"speaker":"Carl Widger","startTime":4406.26,"endTime":4408.42,"body":"you, professionally and"},{"speaker":"Carl Widger","startTime":4408.42,"endTime":4411.42,"body":"personally, will be better if"},{"speaker":"Carl Widger","startTime":4408.42,"endTime":4411.42,"body":"you do take that time and space."},{"speaker":"Nick Lincoln","startTime":4412.68,"endTime":4415.14,"body":"Okay, great stuff."},{"speaker":"Nick Lincoln","startTime":4412.68,"endTime":4415.14,"body":"Thanks for sharing that both of"},{"speaker":"Nick Lincoln","startTime":4415.14,"endTime":4419.42,"body":"you guys. Okay, so just quickly"},{"speaker":"Nick Lincoln","startTime":4415.14,"endTime":4419.42,"body":"wrap this up. So as you will"},{"speaker":"Nick Lincoln","startTime":4419.42,"endTime":4422.0,"body":"know, TRAPPIST of all for the"},{"speaker":"Nick Lincoln","startTime":4419.42,"endTime":4422.0,"body":"trap back, I am the one who"},{"speaker":"Nick Lincoln","startTime":4422.0,"endTime":4424.64,"body":"works the most in isolation. I"},{"speaker":"Nick Lincoln","startTime":4422.0,"endTime":4424.64,"body":"have a lifestyle business, Andy"},{"speaker":"Nick Lincoln","startTime":4424.64,"endTime":4427.0999999999995,"body":"is a solo advisor, but he has"},{"speaker":"Nick Lincoln","startTime":4424.64,"endTime":4427.0999999999995,"body":"various brands, and he"},{"speaker":"Nick Lincoln","startTime":4427.0999999999995,"endTime":4429.86,"body":"interacted with people. I don't"},{"speaker":"Nick Lincoln","startTime":4427.0999999999995,"endTime":4429.86,"body":"really have that except when I'm"},{"speaker":"Nick Lincoln","startTime":4429.86,"endTime":4432.62,"body":"interacting with my clients. So"},{"speaker":"Nick Lincoln","startTime":4429.86,"endTime":4432.62,"body":"I've got these four walls around"},{"speaker":"Nick Lincoln","startTime":4432.62,"endTime":4436.5199999999995,"body":"me in my my home office, I'm at"},{"speaker":"Nick Lincoln","startTime":4432.62,"endTime":4436.5199999999995,"body":"my desk at 630 in the morning. I"},{"speaker":"Nick Lincoln","startTime":4436.88,"endTime":4439.78,"body":"sleep pretty well. I put my head"},{"speaker":"Nick Lincoln","startTime":4436.88,"endTime":4439.78,"body":"on the pillow, and I'm just I'm"},{"speaker":"Nick Lincoln","startTime":4439.78,"endTime":4442.12,"body":"gone much, much to TLP"},{"speaker":"Nick Lincoln","startTime":4439.78,"endTime":4442.12,"body":"annoyance, because she's not a"},{"speaker":"Nick Lincoln","startTime":4442.12,"endTime":4444.88,"body":"great sleeper. But I'm down at"},{"speaker":"Nick Lincoln","startTime":4442.12,"endTime":4444.88,"body":"my desk at 630 in the morning. I"},{"speaker":"Nick Lincoln","startTime":4444.88,"endTime":4447.58,"body":"do two to three hours prepping"},{"speaker":"Nick Lincoln","startTime":4444.88,"endTime":4447.58,"body":"for the week, prepping for the"},{"speaker":"Nick Lincoln","startTime":4447.58,"endTime":4449.92,"body":"day ahead of I've got client"},{"speaker":"Nick Lincoln","startTime":4447.58,"endTime":4449.92,"body":"planning meetings, dealing with"},{"speaker":"Nick Lincoln","startTime":4449.92,"endTime":4453.4,"body":"emails, and then about 930 I"},{"speaker":"Nick Lincoln","startTime":4449.92,"endTime":4453.4,"body":"just get out and if there's one"},{"speaker":"Nick Lincoln","startTime":4453.4,"endTime":4455.98,"body":"thing I was said to do, and Carl"},{"speaker":"Nick Lincoln","startTime":4453.4,"endTime":4455.98,"body":"Lincoln, it sounds so basic and"},{"speaker":"Nick Lincoln","startTime":4455.98,"endTime":4458.88,"body":"petty if you're feeling blue,"},{"speaker":"Nick Lincoln","startTime":4455.98,"endTime":4458.88,"body":"and I have times when I for no"},{"speaker":"Nick Lincoln","startTime":4458.88,"endTime":4461.4,"body":"reason, there's nothing"},{"speaker":"Nick Lincoln","startTime":4458.88,"endTime":4461.4,"body":"particularly in the front of my"},{"speaker":"Nick Lincoln","startTime":4461.4,"endTime":4463.92,"body":"mind, I just feel a bit blue. I"},{"speaker":"Nick Lincoln","startTime":4461.4,"endTime":4463.92,"body":"don't you know, we all just go"},{"speaker":"Nick Lincoln","startTime":4463.92,"endTime":4467.16,"body":"through different biorhythms and"},{"speaker":"Nick Lincoln","startTime":4463.92,"endTime":4467.16,"body":"different different cadences,"},{"speaker":"Nick Lincoln","startTime":4467.16,"endTime":4470.46,"body":"and we just change sometimes."},{"speaker":"Nick Lincoln","startTime":4467.16,"endTime":4470.46,"body":"And I just get yourself out the"},{"speaker":"Nick Lincoln","startTime":4470.46,"endTime":4473.5199999999995,"body":"front door and go for a walk."},{"speaker":"Nick Lincoln","startTime":4470.46,"endTime":4473.5199999999995,"body":"Just just go for a walk. Get"},{"speaker":"Nick Lincoln","startTime":4473.5199999999995,"endTime":4476.7,"body":"yourself off your ass and go for"},{"speaker":"Nick Lincoln","startTime":4473.5199999999995,"endTime":4476.7,"body":"a walk. Doesn't matter if it's a"},{"speaker":"Nick Lincoln","startTime":4476.7,"endTime":4479.96,"body":"mile or it's four miles. You can"},{"speaker":"Nick Lincoln","startTime":4476.7,"endTime":4479.96,"body":"go with something in your ears,"},{"speaker":"Nick Lincoln","startTime":4479.96,"endTime":4482.54,"body":"or you can just go and listen to"},{"speaker":"Nick Lincoln","startTime":4479.96,"endTime":4482.54,"body":"the world, whatever, but get off"},{"speaker":"Nick Lincoln","startTime":4482.54,"endTime":4485.48,"body":"your ass and go for a walk. And"},{"speaker":"Nick Lincoln","startTime":4482.54,"endTime":4485.48,"body":"I average about 14,000 steps a"},{"speaker":"Nick Lincoln","startTime":4485.48,"endTime":4489.2,"body":"day. So today I walk and I play"},{"speaker":"Nick Lincoln","startTime":4485.48,"endTime":4489.2,"body":"tennis. I like, I like I'm quite"},{"speaker":"Nick Lincoln","startTime":4489.2,"endTime":4493.0999999999995,"body":"competitive. I like tennis. I"},{"speaker":"Nick Lincoln","startTime":4489.2,"endTime":4493.0999999999995,"body":"like ball sports. And so I walk"},{"speaker":"Nick Lincoln","startTime":4493.0999999999995,"endTime":4495.8,"body":"to tennis, I walk back. And by"},{"speaker":"Nick Lincoln","startTime":4493.0999999999995,"endTime":4495.8,"body":"1130 this morning, I've done"},{"speaker":"Nick Lincoln","startTime":4495.8,"endTime":4498.94,"body":"12,000 steps, having already"},{"speaker":"Nick Lincoln","startTime":4495.8,"endTime":4498.94,"body":"worked three hours from 6:30am"},{"speaker":"Nick Lincoln","startTime":4500.38,"endTime":4505.18,"body":"in terms of and again, Penny had"},{"speaker":"Nick Lincoln","startTime":4500.38,"endTime":4505.18,"body":"put me onto this. I was I was,"},{"speaker":"Nick Lincoln","startTime":4505.24,"endTime":4508.9,"body":"I'm quite lanky, but I'm not"},{"speaker":"Nick Lincoln","startTime":4505.24,"endTime":4508.9,"body":"having got, never had muscle"},{"speaker":"Nick Lincoln","startTime":4508.9,"endTime":4512.26,"body":"definition, because I've always"},{"speaker":"Nick Lincoln","startTime":4508.9,"endTime":4512.26,"body":"had people pay people to lift"},{"speaker":"Nick Lincoln","startTime":4512.26,"endTime":4513.88,"body":"things up for me. Basically,"},{"speaker":"Nick Lincoln","startTime":4512.26,"endTime":4513.88,"body":"it's just"},{"speaker":"Unknown","startTime":4514.42,"endTime":4515.08,"body":"aristocratic"},{"speaker":"Nick Lincoln","startTime":4517.3,"endTime":4519.0599999999995,"body":"genes, whatever"},{"speaker":"Nick Lincoln","startTime":4517.3,"endTime":4519.0599999999995,"body":"you wherever you wherever you"},{"speaker":"Nick Lincoln","startTime":4519.0599999999995,"endTime":4524.76,"body":"want to label it so. And if you"},{"speaker":"Nick Lincoln","startTime":4519.0599999999995,"endTime":4524.76,"body":"see this, I've got this in a"},{"speaker":"Nick Lincoln","startTime":4524.76,"endTime":4527.0999999999995,"body":"dumbbell. These are, these are"},{"speaker":"Nick Lincoln","startTime":4524.76,"endTime":4527.0999999999995,"body":"10k dumbbells, which I've got in"},{"speaker":"Nick Lincoln","startTime":4527.0999999999995,"endTime":4529.32,"body":"my office. They're they're"},{"speaker":"Nick Lincoln","startTime":4527.0999999999995,"endTime":4529.32,"body":"cracking, and they're in because"},{"speaker":"Nick Lincoln","startTime":4529.32,"endTime":4531.36,"body":"they're in my office, and"},{"speaker":"Nick Lincoln","startTime":4529.32,"endTime":4531.36,"body":"they're small, they're always in"},{"speaker":"Nick Lincoln","startTime":4531.36,"endTime":4533.7,"body":"sight. And I just get up and do"},{"speaker":"Nick Lincoln","startTime":4531.36,"endTime":4533.7,"body":"reps on those. And I feel I've"},{"speaker":"Nick Lincoln","startTime":4533.7,"endTime":4535.8,"body":"done over the last year or so,"},{"speaker":"Nick Lincoln","startTime":4533.7,"endTime":4535.8,"body":"I've actually got some muscle"},{"speaker":"Nick Lincoln","startTime":4535.8,"endTime":4538.38,"body":"definitely, it's hard to put"},{"speaker":"Nick Lincoln","startTime":4535.8,"endTime":4538.38,"body":"muscle definition on once you"},{"speaker":"Nick Lincoln","startTime":4538.38,"endTime":4540.86,"body":"go, once you're not you go once"},{"speaker":"Nick Lincoln","startTime":4538.38,"endTime":4540.86,"body":"you're north of 50, but I have"},{"speaker":"Nick Lincoln","startTime":4540.86,"endTime":4543.32,"body":"got some. I feel so much better"},{"speaker":"Nick Lincoln","startTime":4540.86,"endTime":4543.32,"body":"in myself for it. Not I'm never"},{"speaker":"Nick Lincoln","startTime":4543.32,"endTime":4546.26,"body":"going to be a bodybuilder, but I"},{"speaker":"Nick Lincoln","startTime":4543.32,"endTime":4546.26,"body":"just feel better. I think I look"},{"speaker":"Nick Lincoln","startTime":4546.26,"endTime":4549.2,"body":"better. And this is all linked"},{"speaker":"Nick Lincoln","startTime":4546.26,"endTime":4549.2,"body":"to you want to be your best for"},{"speaker":"Nick Lincoln","startTime":4549.2,"endTime":4552.5599999999995,"body":"your clients, right? You don't."},{"speaker":"Nick Lincoln","startTime":4549.2,"endTime":4552.5599999999995,"body":"If you're eating poorly, you're"},{"speaker":"Nick Lincoln","startTime":4552.5599999999995,"endTime":4554.78,"body":"going to feel poorly, you're"},{"speaker":"Nick Lincoln","startTime":4552.5599999999995,"endTime":4554.78,"body":"going to come across poorly. I"},{"speaker":"Nick Lincoln","startTime":4554.78,"endTime":4557.38,"body":"don't care how you try and cover"},{"speaker":"Nick Lincoln","startTime":4554.78,"endTime":4557.38,"body":"it up. If you're feeling like a"},{"speaker":"Nick Lincoln","startTime":4557.38,"endTime":4559.9,"body":"slob, you're going to think like"},{"speaker":"Nick Lincoln","startTime":4557.38,"endTime":4559.9,"body":"a slob, and you're going to come"},{"speaker":"Nick Lincoln","startTime":4559.9,"endTime":4562.5999999999995,"body":"over as a slob. I want to be"},{"speaker":"Nick Lincoln","startTime":4559.9,"endTime":4562.5999999999995,"body":"clean with my thoughts. I want"},{"speaker":"Nick Lincoln","startTime":4562.5999999999995,"endTime":4566.14,"body":"to feel good and vibrant and"},{"speaker":"Nick Lincoln","startTime":4562.5999999999995,"endTime":4566.14,"body":"energized. I don't feel guilty."},{"speaker":"Nick Lincoln","startTime":4566.14,"endTime":4568.84,"body":"I've just walked down two double"},{"speaker":"Nick Lincoln","startTime":4566.14,"endTime":4568.84,"body":"cheeseburgers, so I'm careful"},{"speaker":"Nick Lincoln","startTime":4568.84,"endTime":4571.5999999999995,"body":"about my diet as well. That's"},{"speaker":"Nick Lincoln","startTime":4568.84,"endTime":4571.5999999999995,"body":"the final thing I'll come on to"},{"speaker":"Nick Lincoln","startTime":4571.5999999999995,"endTime":4575.08,"body":"here and now the culture corner"},{"speaker":"Nick Lincoln","startTime":4571.5999999999995,"endTime":4575.08,"body":"bit I'll link to a book I read"},{"speaker":"Nick Lincoln","startTime":4575.08,"endTime":4579.0599999999995,"body":"in 2014 So we have no idea of"},{"speaker":"Nick Lincoln","startTime":4575.08,"endTime":4579.0599999999995,"body":"the damage that sugar and white"},{"speaker":"Nick Lincoln","startTime":4579.0599999999995,"endTime":4582.24,"body":"flour has done to our diet and"},{"speaker":"Nick Lincoln","startTime":4579.0599999999995,"endTime":4582.24,"body":"corn syrups over the last 60"},{"speaker":"Nick Lincoln","startTime":4582.24,"endTime":4586.5,"body":"years. And it's it's everywhere,"},{"speaker":"Nick Lincoln","startTime":4582.24,"endTime":4586.5,"body":"unless you cook from home, from"},{"speaker":"Nick Lincoln","startTime":4586.5,"endTime":4588.78,"body":"scratch, pretty much you've got"},{"speaker":"Nick Lincoln","startTime":4586.5,"endTime":4588.78,"body":"to be so careful. Really, watch"},{"speaker":"Nick Lincoln","startTime":4588.78,"endTime":4591.84,"body":"diet. Watch what you're eating."},{"speaker":"Nick Lincoln","startTime":4588.78,"endTime":4591.84,"body":"If you're feeling blue, get off"},{"speaker":"Nick Lincoln","startTime":4591.84,"endTime":4594.78,"body":"your ass and go for a walk and"},{"speaker":"Nick Lincoln","startTime":4591.84,"endTime":4594.78,"body":"just do some resistance, some"},{"speaker":"Nick Lincoln","startTime":4594.78,"endTime":4597.26,"body":"light weights, whatever. You"},{"speaker":"Nick Lincoln","startTime":4594.78,"endTime":4597.26,"body":"don't have a big buddy home gym"},{"speaker":"Nick Lincoln","startTime":4597.26,"endTime":4599.66,"body":"or anything, just get some"},{"speaker":"Nick Lincoln","startTime":4597.26,"endTime":4599.66,"body":"dumbbells and just do a little"},{"speaker":"Nick Lincoln","startTime":4599.66,"endTime":4601.76,"body":"workout that the internet will"},{"speaker":"Nick Lincoln","startTime":4599.66,"endTime":4601.76,"body":"tell you. I didn't know"},{"speaker":"Nick Lincoln","startTime":4601.76,"endTime":4604.0999999999995,"body":"anything. I didn't know what a,"},{"speaker":"Nick Lincoln","startTime":4601.76,"endTime":4604.0999999999995,"body":"you know, a Rip Curl, what all"},{"speaker":"Nick Lincoln","startTime":4604.0999999999995,"endTime":4606.5599999999995,"body":"these different things you can"},{"speaker":"Nick Lincoln","startTime":4604.0999999999995,"endTime":4606.5599999999995,"body":"do and different types of things"},{"speaker":"Nick Lincoln","startTime":4606.5599999999995,"endTime":4608.96,"body":"you can do with dumbbells. But"},{"speaker":"Nick Lincoln","startTime":4606.5599999999995,"endTime":4608.96,"body":"it's, it's on there on YouTube,"},{"speaker":"Nick Lincoln","startTime":4608.96,"endTime":4611.3,"body":"you can make yourself a lovely"},{"speaker":"Nick Lincoln","startTime":4608.96,"endTime":4611.3,"body":"program and work through it."},{"speaker":"Nick Lincoln","startTime":4611.3,"endTime":4613.76,"body":"Keep doing it. You'll feel"},{"speaker":"Nick Lincoln","startTime":4611.3,"endTime":4613.76,"body":"better. You'll be better set in"},{"speaker":"Nick Lincoln","startTime":4613.76,"endTime":4616.0999999999995,"body":"your mind, which means you'll do"},{"speaker":"Nick Lincoln","startTime":4613.76,"endTime":4616.0999999999995,"body":"a better job for your clients."},{"speaker":"Nick Lincoln","startTime":4616.0999999999995,"endTime":4618.5,"body":"And that's what one is planning"},{"speaker":"Nick Lincoln","startTime":4616.0999999999995,"endTime":4618.5,"body":"to do the best we can for our"},{"speaker":"Nick Lincoln","startTime":4618.5,"endTime":4620.92,"body":"clients. So our clients. So"},{"speaker":"Nick Lincoln","startTime":4618.5,"endTime":4620.92,"body":"that's why I think Fitness is"},{"speaker":"Nick Lincoln","startTime":4620.92,"endTime":4623.32,"body":"important. If you're working on"},{"speaker":"Nick Lincoln","startTime":4620.92,"endTime":4623.32,"body":"your own, you've got to get out,"},{"speaker":"Nick Lincoln","startTime":4623.32,"endTime":4625.66,"body":"otherwise you're going to be"},{"speaker":"Nick Lincoln","startTime":4623.32,"endTime":4625.66,"body":"like Jack Nicholson The Shining"},{"speaker":"Nick Lincoln","startTime":4625.72,"endTime":4627.88,"body":"you know, you're going to go,"},{"speaker":"Nick Lincoln","startTime":4625.72,"endTime":4627.88,"body":"you're going to go cabin Kevin"},{"speaker":"Nick Lincoln","startTime":4627.88,"endTime":4631.0,"body":"fever crazy and end up trying to"},{"speaker":"Nick Lincoln","startTime":4627.88,"endTime":4631.0,"body":"kill your wife, which I haven't"},{"speaker":"Nick Lincoln","startTime":4631.0,"endTime":4635.5,"body":"done yet, by the way. Anyone"},{"speaker":"Nick Lincoln","startTime":4631.0,"endTime":4635.5,"body":"listen to this? Okay? So that is"},{"speaker":"Nick Lincoln","startTime":4637.36,"endTime":4641.0999999999995,"body":"fair done on this one. Okay, so"},{"speaker":"Nick Lincoln","startTime":4637.36,"endTime":4641.0999999999995,"body":"we're at 76 minutes. Andy, you"},{"speaker":"Andy Hart","startTime":4641.0999999999995,"endTime":4643.62,"body":"got finger raised?"},{"speaker":"Andy Hart","startTime":4641.0999999999995,"endTime":4643.62,"body":"No, no, no, no, yeah. Final"},{"speaker":"Andy Hart","startTime":4643.62,"endTime":4646.26,"body":"points. I mean, you just brush"},{"speaker":"Andy Hart","startTime":4643.62,"endTime":4646.26,"body":"past it, but YouTube is an"},{"speaker":"Andy Hart","startTime":4646.32,"endTime":4649.38,"body":"absolute treasure trove for"},{"speaker":"Andy Hart","startTime":4646.32,"endTime":4649.38,"body":"fitness. Anything related to"},{"speaker":"Andy Hart","startTime":4649.38,"endTime":4652.14,"body":"fitness got loads of stuff for"},{"speaker":"Andy Hart","startTime":4649.38,"endTime":4652.14,"body":"yoga, loads of stuff for"},{"speaker":"Andy Hart","startTime":4652.14,"endTime":4655.38,"body":"calisthenics, loads of stuff for"},{"speaker":"Andy Hart","startTime":4652.14,"endTime":4655.38,"body":"weight workouts. I don't"},{"speaker":"Andy Hart","startTime":4655.5,"endTime":4659.18,"body":"personally listen to any fitness"},{"speaker":"Andy Hart","startTime":4655.5,"endTime":4659.18,"body":"podcasts. But I listened to a"},{"speaker":"Andy Hart","startTime":4659.18,"endTime":4662.18,"body":"lot of podcasts about fitness,"},{"speaker":"Andy Hart","startTime":4659.18,"endTime":4662.18,"body":"if that makes sense, usually,"},{"speaker":"Andy Hart","startTime":4662.18,"endTime":4665.0599999999995,"body":"Chris Williamson, Diary of the"},{"speaker":"Andy Hart","startTime":4662.18,"endTime":4665.0599999999995,"body":"CEO, that sort of stuff. Does"},{"speaker":"Andy Hart","startTime":4665.0599999999995,"endTime":4668.42,"body":"anyone else have any thoughts on"},{"speaker":"Andy Hart","startTime":4665.0599999999995,"endTime":4668.42,"body":"podcast?"},{"speaker":"Nick Lincoln","startTime":4669.62,"endTime":4672.0199999999995,"body":"Mouth, mouth"},{"speaker":"Nick Lincoln","startTime":4669.62,"endTime":4672.0199999999995,"body":"taping for beginners, that's"},{"speaker":"Andy Hart","startTime":4675.0199999999995,"endTime":4676.58,"body":"that's a good one on"},{"speaker":"Alan Smith","startTime":4676.64,"endTime":4686.26,"body":"Spotify. I who are"},{"speaker":"Alan Smith","startTime":4676.64,"endTime":4686.26,"body":"watching this, car was just in"},{"speaker":"Alan Smith","startTime":4686.26,"endTime":4692.98,"body":"summary, I did a program about"},{"speaker":"Alan Smith","startTime":4686.26,"endTime":4692.98,"body":"seven years ago, and the what"},{"speaker":"Alan Smith","startTime":4692.98,"endTime":4695.5599999999995,"body":"the guy who was running it was"},{"speaker":"Alan Smith","startTime":4692.98,"endTime":4695.5599999999995,"body":"all about, you know, healthy"},{"speaker":"Alan Smith","startTime":4695.5599999999995,"endTime":4698.4,"body":"mind and body and everything"},{"speaker":"Alan Smith","startTime":4695.5599999999995,"endTime":4698.4,"body":"else. And he just started by"},{"speaker":"Alan Smith","startTime":4698.4,"endTime":4700.92,"body":"saying it was like, you like to"},{"speaker":"Alan Smith","startTime":4698.4,"endTime":4700.92,"body":"talk about Nick, like reverse,"},{"speaker":"Alan Smith","startTime":4700.92,"endTime":4703.5,"body":"and you begin with the end in"},{"speaker":"Alan Smith","startTime":4700.92,"endTime":4703.5,"body":"mind. He said, think back to a"},{"speaker":"Alan Smith","startTime":4703.5,"endTime":4707.04,"body":"time when were you just on great"},{"speaker":"Alan Smith","startTime":4703.5,"endTime":4707.04,"body":"form. You just, you felt great."},{"speaker":"Alan Smith","startTime":4707.04,"endTime":4710.46,"body":"You're just, you're mentally"},{"speaker":"Alan Smith","startTime":4707.04,"endTime":4710.46,"body":"acute, mentally sharp. What had"},{"speaker":"Alan Smith","startTime":4710.46,"endTime":4713.94,"body":"gone on that day, that week,"},{"speaker":"Alan Smith","startTime":4710.46,"endTime":4713.94,"body":"that month, and it's very clear,"},{"speaker":"Alan Smith","startTime":4713.94,"endTime":4716.42,"body":"the stating, The bleeding"},{"speaker":"Alan Smith","startTime":4713.94,"endTime":4716.42,"body":"obvious, but it's all those"},{"speaker":"Alan Smith","startTime":4716.42,"endTime":4719.9,"body":"things. I was really well"},{"speaker":"Alan Smith","startTime":4716.42,"endTime":4719.9,"body":"rested. Had a, you know, good"},{"speaker":"Alan Smith","startTime":4719.9,"endTime":4723.08,"body":"quality sleep. I was eating"},{"speaker":"Alan Smith","startTime":4719.9,"endTime":4723.08,"body":"healthy, and I was hydrating,"},{"speaker":"Alan Smith","startTime":4723.08,"endTime":4725.66,"body":"and I was moving. You don't have"},{"speaker":"Alan Smith","startTime":4723.08,"endTime":4725.66,"body":"to go to the gym 15 times a day,"},{"speaker":"Alan Smith","startTime":4725.84,"endTime":4729.38,"body":"but as you say, Nick step, step"},{"speaker":"Alan Smith","startTime":4725.84,"endTime":4729.38,"body":"outside, and all those things"},{"speaker":"Alan Smith","startTime":4729.38,"endTime":4733.5199999999995,"body":"combined result in this position"},{"speaker":"Alan Smith","startTime":4729.38,"endTime":4733.5199999999995,"body":"where you just, you kind of,"},{"speaker":"Alan Smith","startTime":4733.5199999999995,"endTime":4737.5,"body":"you're up for it. Things come at"},{"speaker":"Alan Smith","startTime":4733.5199999999995,"endTime":4737.5,"body":"us all the time, good things and"},{"speaker":"Alan Smith","startTime":4737.5,"endTime":4740.5599999999995,"body":"lots of good things, and just"},{"speaker":"Alan Smith","startTime":4737.5,"endTime":4740.5599999999995,"body":"having the mental agility and"},{"speaker":"Alan Smith","startTime":4740.5599999999995,"endTime":4743.86,"body":"the, you know, the frame of mind"},{"speaker":"Alan Smith","startTime":4740.5599999999995,"endTime":4743.86,"body":"to just, you know, to attack"},{"speaker":"Alan Smith","startTime":4743.86,"endTime":4746.44,"body":"them, to take advantage of them,"},{"speaker":"Alan Smith","startTime":4743.86,"endTime":4746.44,"body":"to sort of sort out issues and"},{"speaker":"Alan Smith","startTime":4746.44,"endTime":4749.26,"body":"challenges and problems, and"},{"speaker":"Alan Smith","startTime":4746.44,"endTime":4749.26,"body":"it's a combination of all those"},{"speaker":"Alan Smith","startTime":4749.26,"endTime":4751.72,"body":"things. I don't think any of us"},{"speaker":"Alan Smith","startTime":4749.26,"endTime":4751.72,"body":"are claiming that we're Bloody,"},{"speaker":"Alan Smith","startTime":4751.72,"endTime":4755.08,"body":"you know, God's gift, or any of"},{"speaker":"Alan Smith","startTime":4751.72,"endTime":4755.08,"body":"these things, physical exercise"},{"speaker":"Alan Smith","startTime":4755.08,"endTime":4756.94,"body":"or mental health, no, but I"},{"speaker":"Alan Smith","startTime":4755.08,"endTime":4756.94,"body":"think we're all making a"},{"speaker":"Alan Smith","startTime":4756.94,"endTime":4759.12,"body":"reasonable effort. And I think"},{"speaker":"Alan Smith","startTime":4756.94,"endTime":4759.12,"body":"anyone listening in a anyone"},{"speaker":"Alan Smith","startTime":4759.12,"endTime":4762.48,"body":"listening in or tuning into this"},{"speaker":"Alan Smith","startTime":4759.12,"endTime":4762.48,"body":"is probably doing the same thing"},{"speaker":"Alan Smith","startTime":4762.9,"endTime":4766.26,"body":"and and it's just so, so"},{"speaker":"Alan Smith","startTime":4762.9,"endTime":4766.26,"body":"important. We work so much in"},{"speaker":"Alan Smith","startTime":4766.26,"endTime":4768.9,"body":"the human to human business, and"},{"speaker":"Alan Smith","startTime":4766.26,"endTime":4768.9,"body":"you've got to show up as the"},{"speaker":"Alan Smith","startTime":4768.9,"endTime":4771.9,"body":"best version of you as a human"},{"speaker":"Alan Smith","startTime":4768.9,"endTime":4771.9,"body":"being."},{"speaker":"Andy Hart","startTime":4774.9,"endTime":4777.86,"body":"Okay, finish with a"},{"speaker":"Andy Hart","startTime":4774.9,"endTime":4777.86,"body":"final quote I heard the other"},{"speaker":"Andy Hart","startTime":4777.86,"endTime":4781.16,"body":"day in relation to drinking and"},{"speaker":"Andy Hart","startTime":4777.86,"endTime":4781.16,"body":"alcohol. Nobody ever wakes up in"},{"speaker":"Andy Hart","startTime":4781.16,"endTime":4784.34,"body":"the morning and said, Oh, I wish"},{"speaker":"Andy Hart","startTime":4781.16,"endTime":4784.34,"body":"I had a drink last night."},{"speaker":"Andy Hart","startTime":4785.5999999999995,"endTime":4789.26,"body":"Thought was quite a poignant"},{"speaker":"Andy Hart","startTime":4785.5999999999995,"endTime":4789.26,"body":"quote. Anyway, over to you,"},{"speaker":"Andy Hart","startTime":4789.26,"endTime":4789.62,"body":"Nick,"},{"speaker":"Nick Lincoln","startTime":4792.5,"endTime":4795.5599999999995,"body":"okay, right. Let's"},{"speaker":"Nick Lincoln","startTime":4792.5,"endTime":4795.5599999999995,"body":"go to TRAPPIST questions,"},{"speaker":"Nick Lincoln","startTime":4795.5599999999995,"endTime":4798.94,"body":"because I can see Posty hauling"},{"speaker":"Nick Lincoln","startTime":4795.5599999999995,"endTime":4798.94,"body":"the bulging sack of TRAPPIST"},{"speaker":"Nick Lincoln","startTime":4798.94,"endTime":4801.64,"body":"questions up my drive, and she's"},{"speaker":"Nick Lincoln","startTime":4798.94,"endTime":4801.64,"body":"bringing in the front doorbell."},{"speaker":"Nick Lincoln","startTime":4801.64,"endTime":4804.0999999999995,"body":"The front doorbell isn't working"},{"speaker":"Nick Lincoln","startTime":4801.64,"endTime":4804.0999999999995,"body":"for some reason. Nevermind. I"},{"speaker":"Nick Lincoln","startTime":4804.0999999999995,"endTime":4807.22,"body":"can see her in my little strange"},{"speaker":"Nick Lincoln","startTime":4804.0999999999995,"endTime":4807.22,"body":"world, and we are going to open"},{"speaker":"Nick Lincoln","startTime":4807.22,"endTime":4811.18,"body":"up this sack and pull out the"},{"speaker":"Nick Lincoln","startTime":4807.22,"endTime":4811.18,"body":"TRAPPIST question. Let's see who"},{"speaker":"Nick Lincoln","startTime":4811.18,"endTime":4815.44,"body":"this one is from. This is from a"},{"speaker":"Nick Lincoln","startTime":4811.18,"endTime":4815.44,"body":"chat now. This was posted on the"},{"speaker":"Nick Lincoln","startTime":4815.44,"endTime":4818.14,"body":"19th of March, so we are getting"},{"speaker":"Nick Lincoln","startTime":4815.44,"endTime":4818.14,"body":"through the TRAPPIST questions,"},{"speaker":"Nick Lincoln","startTime":4818.14,"endTime":4820.44,"body":"but here we are on up to but"},{"speaker":"Nick Lincoln","startTime":4818.14,"endTime":4820.44,"body":"here we are in October, so we'll"},{"speaker":"Nick Lincoln","startTime":4820.44,"endTime":4823.2,"body":"be at seven months, seven months"},{"speaker":"Nick Lincoln","startTime":4820.44,"endTime":4823.2,"body":"behind. And if you want to pose"},{"speaker":"Nick Lincoln","startTime":4823.2,"endTime":4825.3,"body":"a question to us, of course, in"},{"speaker":"Nick Lincoln","startTime":4823.2,"endTime":4825.3,"body":"the show so called show notes,"},{"speaker":"Nick Lincoln","startTime":4825.3,"endTime":4827.64,"body":"there's a link there. You can"},{"speaker":"Nick Lincoln","startTime":4825.3,"endTime":4827.64,"body":"just click on that and leave a"},{"speaker":"Nick Lincoln","startTime":4827.64,"endTime":4831.18,"body":"question and or you can do so"},{"speaker":"Nick Lincoln","startTime":4827.64,"endTime":4831.18,"body":"via our pinned tweet on X, our"},{"speaker":"Nick Lincoln","startTime":4831.18,"endTime":4834.18,"body":"pinned X on tweet, whatever you"},{"speaker":"Nick Lincoln","startTime":4831.18,"endTime":4834.18,"body":"want to call it. Okay, Ashton"},{"speaker":"Nick Lincoln","startTime":4834.18,"endTime":4837.08,"body":"Ward is the chaps name. He's on"},{"speaker":"Nick Lincoln","startTime":4834.18,"endTime":4837.08,"body":"Twitter as at, at at Ashton"},{"speaker":"Nick Lincoln","startTime":4837.08,"endTime":4841.82,"body":"Ward, 01, he's not an IFA. He, I"},{"speaker":"Nick Lincoln","startTime":4837.08,"endTime":4841.82,"body":"believe. He runs a recruitment"},{"speaker":"Nick Lincoln","startTime":4841.82,"endTime":4844.5199999999995,"body":"business, an executive search,"},{"speaker":"Nick Lincoln","startTime":4841.82,"endTime":4844.5199999999995,"body":"interim management and"},{"speaker":"Nick Lincoln","startTime":4844.5199999999995,"endTime":4847.94,"body":"consulting, not an IFA. Question"},{"speaker":"Nick Lincoln","startTime":4844.5199999999995,"endTime":4847.94,"body":"is Hi question for the track"},{"speaker":"Nick Lincoln","startTime":4847.94,"endTime":4850.88,"body":"team, these, do you advise your"},{"speaker":"Nick Lincoln","startTime":4847.94,"endTime":4850.88,"body":"clients to invest a proportion"},{"speaker":"Nick Lincoln","startTime":4850.88,"endTime":4854.5999999999995,"body":"of their portfolio themselves on"},{"speaker":"Nick Lincoln","startTime":4850.88,"endTime":4854.5999999999995,"body":"an investment platform? Which"},{"speaker":"Nick Lincoln","startTime":4854.5999999999995,"endTime":4857.14,"body":"investment platforms, if any, do"},{"speaker":"Nick Lincoln","startTime":4854.5999999999995,"endTime":4857.14,"body":"you recommend and why? Which"},{"speaker":"Nick Lincoln","startTime":4857.26,"endTime":4860.08,"body":"investment platform has the"},{"speaker":"Nick Lincoln","startTime":4857.26,"endTime":4860.08,"body":"greatest choice of investments"},{"speaker":"Nick Lincoln","startTime":4860.08,"endTime":4862.54,"body":"in the lowest fees? Thank you so"},{"speaker":"Nick Lincoln","startTime":4860.08,"endTime":4862.54,"body":"much. Ashton's about 17"},{"speaker":"Nick Lincoln","startTime":4862.54,"endTime":4865.18,"body":"questions in there, but we'll"},{"speaker":"Nick Lincoln","startTime":4862.54,"endTime":4865.18,"body":"give you a part in this one."},{"speaker":"Nick Lincoln","startTime":4865.18,"endTime":4866.14,"body":"Ultra you lead off?"},{"speaker":"Andy Hart","startTime":4869.26,"endTime":4872.5,"body":"I don't know, but I"},{"speaker":"Andy Hart","startTime":4869.26,"endTime":4872.5,"body":"would recommend him running off"},{"speaker":"Andy Hart","startTime":4872.5,"endTime":4875.74,"body":"to either boring money or money"},{"speaker":"Andy Hart","startTime":4872.5,"endTime":4875.74,"body":"to the masses. And they have"},{"speaker":"Andy Hart","startTime":4875.86,"endTime":4880.0199999999995,"body":"done. On this question to death,"},{"speaker":"Andy Hart","startTime":4875.86,"endTime":4880.0199999999995,"body":"compared all the fees or the"},{"speaker":"Andy Hart","startTime":4880.0199999999995,"endTime":4883.44,"body":"portfolio values, how many times"},{"speaker":"Andy Hart","startTime":4880.0199999999995,"endTime":4883.44,"body":"you're going to trade? There's"},{"speaker":"Andy Hart","startTime":4883.44,"endTime":4888.48,"body":"way more qualified companies and"},{"speaker":"Andy Hart","startTime":4883.44,"endTime":4888.48,"body":"individuals out there that can"},{"speaker":"Andy Hart","startTime":4888.48,"endTime":4892.98,"body":"answer that question, boring"},{"speaker":"Andy Hart","startTime":4888.48,"endTime":4892.98,"body":"money and money to the masses. I"},{"speaker":"Andy Hart","startTime":4892.98,"endTime":4893.16,"body":"thought"},{"speaker":"Alan Smith","startTime":4893.28,"endTime":4894.9,"body":"Hogan's down. So"},{"speaker":"Alan Smith","startTime":4893.28,"endTime":4894.9,"body":"might be something you might"},{"speaker":"Alan Smith","startTime":4894.9,"endTime":4898.58,"body":"talk about. What's, what about"},{"speaker":"Alan Smith","startTime":4894.9,"endTime":4898.58,"body":"the original question, which is,"},{"speaker":"Alan Smith","startTime":4898.58,"endTime":4901.22,"body":"to do, would you advise, if"},{"speaker":"Alan Smith","startTime":4898.58,"endTime":4901.22,"body":"you're an advisor, would you"},{"speaker":"Alan Smith","startTime":4901.22,"endTime":4905.0,"body":"advise your clients to go off"},{"speaker":"Alan Smith","startTime":4901.22,"endTime":4905.0,"body":"and and, you know, open up an"},{"speaker":"Alan Smith","startTime":4905.0,"endTime":4908.42,"body":"account on, never, choose,"},{"speaker":"Alan Smith","startTime":4905.0,"endTime":4908.42,"body":"choose, choose, funds. Yeah. I"},{"speaker":"Alan Smith","startTime":4908.42,"endTime":4912.92,"body":"mean, the answer to that again,"},{"speaker":"Alan Smith","startTime":4908.42,"endTime":4912.92,"body":"is no. Why would you why would"},{"speaker":"Alan Smith","startTime":4912.92,"endTime":4917.14,"body":"you go, Yeah, but see a doctor"},{"speaker":"Alan Smith","startTime":4912.92,"endTime":4917.14,"body":"or something, and say, Yeah,"},{"speaker":"Alan Smith","startTime":4917.14,"endTime":4923.32,"body":"I'll look after your entire, you"},{"speaker":"Alan Smith","startTime":4917.14,"endTime":4923.32,"body":"know, hell back, buying a few,"},{"speaker":"Carl Widger","startTime":4925.78,"endTime":4928.84,"body":"no but, but, but,"},{"speaker":"Carl Widger","startTime":4925.78,"endTime":4928.84,"body":"but maybe the question kind of"},{"speaker":"Carl Widger","startTime":4928.84,"endTime":4935.0199999999995,"body":"alludes to the what we spoken"},{"speaker":"Carl Widger","startTime":4928.84,"endTime":4935.0199999999995,"body":"about before, about, and I think"},{"speaker":"Carl Widger","startTime":4935.0199999999995,"endTime":4939.0,"body":"that's appropriate, right? If,"},{"speaker":"Carl Widger","startTime":4935.0199999999995,"endTime":4939.0,"body":"if your financial plan tells you"},{"speaker":"Carl Widger","startTime":4939.0,"endTime":4942.0599999999995,"body":"that, you know it has answered"},{"speaker":"Carl Widger","startTime":4939.0,"endTime":4942.0599999999995,"body":"the question, we are going to be"},{"speaker":"Carl Widger","startTime":4942.0599999999995,"endTime":4946.5599999999995,"body":"okay, and there is going to be"},{"speaker":"Carl Widger","startTime":4942.0599999999995,"endTime":4946.5599999999995,"body":"enough, and our legacy is being"},{"speaker":"Carl Widger","startTime":4946.5599999999995,"endTime":4950.04,"body":"looked after, in terms of the"},{"speaker":"Carl Widger","startTime":4946.5599999999995,"endTime":4950.04,"body":"kids, all that kind of stuff. Is"},{"speaker":"Carl Widger","startTime":4950.04,"endTime":4953.64,"body":"it appropriate for someone to"},{"speaker":"Carl Widger","startTime":4950.04,"endTime":4953.64,"body":"carve out 5% or so and do a bit"},{"speaker":"Carl Widger","startTime":4953.64,"endTime":4956.22,"body":"of trading themselves? If that's"},{"speaker":"Carl Widger","startTime":4953.64,"endTime":4956.22,"body":"what they want to do?"},{"speaker":"Carl Widger","startTime":4956.22,"endTime":4960.2,"body":"Absolutely, you can go for it."},{"speaker":"Carl Widger","startTime":4956.22,"endTime":4960.2,"body":"Yeah, I think that's okay. I"},{"speaker":"Carl Widger","startTime":4960.2,"endTime":4962.78,"body":"think I've only got the rest of"},{"speaker":"Carl Widger","startTime":4960.2,"endTime":4962.78,"body":"the questions are more kind of"},{"speaker":"Carl Widger","startTime":4962.78,"endTime":4965.24,"body":"UK based. So I I think I've got"},{"speaker":"Carl Widger","startTime":4962.78,"endTime":4965.24,"body":"that."},{"speaker":"Andy Hart","startTime":4965.3,"endTime":4967.7,"body":"I think I want maybe"},{"speaker":"Andy Hart","startTime":4965.3,"endTime":4967.7,"body":"two or three clients have about"},{"speaker":"Andy Hart","startTime":4967.76,"endTime":4970.58,"body":"close to 60 that do that they"},{"speaker":"Andy Hart","startTime":4967.76,"endTime":4970.58,"body":"have an account elsewhere that"},{"speaker":"Andy Hart","startTime":4970.58,"endTime":4973.94,"body":"they're pissing around with. So"},{"speaker":"Andy Hart","startTime":4970.58,"endTime":4973.94,"body":"it's a very minimal thing in my"},{"speaker":"Andy Hart","startTime":4973.94,"endTime":4976.46,"body":"world. It might be different"},{"speaker":"Andy Hart","startTime":4973.94,"endTime":4976.46,"body":"with other advisors that work"},{"speaker":"Andy Hart","startTime":4976.46,"endTime":4979.0,"body":"with different types of"},{"speaker":"Andy Hart","startTime":4976.46,"endTime":4979.0,"body":"democratic graphics of a client."},{"speaker":"Andy Hart","startTime":4979.78,"endTime":4983.5599999999995,"body":"But yeah, I've got minimal that"},{"speaker":"Andy Hart","startTime":4979.78,"endTime":4983.5599999999995,"body":"are doing that we do legacy"},{"speaker":"Andy Hart","startTime":4983.5599999999995,"endTime":4986.68,"body":"stuff they've already"},{"speaker":"Andy Hart","startTime":4983.5599999999995,"endTime":4986.68,"body":"accumulated shares in app, yeah,"},{"speaker":"Andy Hart","startTime":4986.68,"endTime":4989.86,"body":"and stuff that I'm I'm never"},{"speaker":"Andy Hart","startTime":4986.68,"endTime":4989.86,"body":"gonna say, Look, don't sell your"},{"speaker":"Andy Hart","startTime":4989.86,"endTime":4992.62,"body":"100 grand in Apple and shift"},{"speaker":"Andy Hart","startTime":4989.86,"endTime":4992.62,"body":"over here. Then Apple does 4x"},{"speaker":"Andy Hart","startTime":4992.8,"endTime":4995.92,"body":"the next year. And then I'm"},{"speaker":"Andy Hart","startTime":4992.8,"endTime":4995.92,"body":"like, four fold again. We're in"},{"speaker":"Andy Hart","startTime":4995.92,"endTime":4996.5199999999995,"body":"a bind."},{"speaker":"Nick Lincoln","startTime":4997.9,"endTime":4999.9,"body":"Four fold, the"},{"speaker":"Nick Lincoln","startTime":4997.9,"endTime":4999.9,"body":"following map, whatever"},{"speaker":"Andy Hart","startTime":4999.9,"endTime":5000.44,"body":"do you know what"},{"speaker":"Alan Smith","startTime":5001.0999999999995,"endTime":5004.58,"body":"I mean? I can't see."},{"speaker":"Alan Smith","startTime":5001.0999999999995,"endTime":5004.58,"body":"I can't see past Hargreaves."},{"speaker":"Alan Smith","startTime":5004.58,"endTime":5008.3,"body":"Lands down as a platform."},{"speaker":"Alan Smith","startTime":5004.58,"endTime":5008.3,"body":"They're not the cheapest, but"},{"speaker":"Alan Smith","startTime":5008.54,"endTime":5011.42,"body":"all the things you want, range"},{"speaker":"Alan Smith","startTime":5008.54,"endTime":5011.42,"body":"of funds, one of my individual"},{"speaker":"Alan Smith","startTime":5011.42,"endTime":5014.12,"body":"stocks, the information, the"},{"speaker":"Alan Smith","startTime":5011.42,"endTime":5014.12,"body":"calculators, all the stuff,"},{"speaker":"Alan Smith","startTime":5014.12,"endTime":5017.68,"body":"efficiency, they are just the"},{"speaker":"Alan Smith","startTime":5014.12,"endTime":5017.68,"body":"best of them are what they what"},{"speaker":"Alan Smith","startTime":5017.68,"endTime":5017.8,"body":"they"},{"speaker":"Andy Hart","startTime":5017.8,"endTime":5020.26,"body":"do. Brilliant app,"},{"speaker":"Andy Hart","startTime":5017.8,"endTime":5020.26,"body":"yeah, calculators."},{"speaker":"Nick Lincoln","startTime":5020.62,"endTime":5022.84,"body":"I mean, if I'm"},{"speaker":"Nick Lincoln","startTime":5020.62,"endTime":5022.84,"body":"giving a steer to someone, not"},{"speaker":"Nick Lincoln","startTime":5023.44,"endTime":5026.26,"body":"necessarily written advice, but"},{"speaker":"Nick Lincoln","startTime":5023.44,"endTime":5026.26,"body":"I, I have got, personally, a"},{"speaker":"Nick Lincoln","startTime":5026.26,"endTime":5028.84,"body":"little bit pin money on the"},{"speaker":"Nick Lincoln","startTime":5026.26,"endTime":5028.84,"body":"Vanguard platform, because I"},{"speaker":"Nick Lincoln","startTime":5028.84,"endTime":5031.96,"body":"just wanted to see how it works."},{"speaker":"Nick Lincoln","startTime":5028.84,"endTime":5031.96,"body":"I've got 500 quid on there. And"},{"speaker":"Nick Lincoln","startTime":5031.96,"endTime":5034.72,"body":"that's very obviously, you're"},{"speaker":"Nick Lincoln","startTime":5031.96,"endTime":5034.72,"body":"limited to Vanguard's range. But"},{"speaker":"Nick Lincoln","startTime":5034.72,"endTime":5037.32,"body":"this comes back to this other"},{"speaker":"Nick Lincoln","startTime":5034.72,"endTime":5037.32,"body":"question. You know, limited fund"},{"speaker":"Nick Lincoln","startTime":5037.32,"endTime":5040.44,"body":"range? Well, if you've got one"},{"speaker":"Nick Lincoln","startTime":5037.32,"endTime":5040.44,"body":"fund that invests in all the"},{"speaker":"Nick Lincoln","startTime":5040.44,"endTime":5043.38,"body":"great companies of the world,"},{"speaker":"Nick Lincoln","startTime":5040.44,"endTime":5043.38,"body":"that is your fund range. In one"},{"speaker":"Nick Lincoln","startTime":5043.38,"endTime":5046.2,"body":"fund, you don't need x number of"},{"speaker":"Nick Lincoln","startTime":5043.38,"endTime":5046.2,"body":"funds, but that's going down a"},{"speaker":"Nick Lincoln","startTime":5046.2,"endTime":5048.66,"body":"different avenue. The Vanguard"},{"speaker":"Nick Lincoln","startTime":5046.2,"endTime":5048.66,"body":"site is very slick. It's very"},{"speaker":"Nick Lincoln","startTime":5048.66,"endTime":5050.94,"body":"quick. It's, you know, click,"},{"speaker":"Nick Lincoln","startTime":5048.66,"endTime":5050.94,"body":"click, click, click, you're"},{"speaker":"Nick Lincoln","startTime":5050.94,"endTime":5053.64,"body":"done. Yeah, Bob's your uncle. I"},{"speaker":"Nick Lincoln","startTime":5050.94,"endTime":5053.64,"body":"said. Gia and pension perhaps"},{"speaker":"Nick Lincoln","startTime":5053.64,"endTime":5055.8,"body":"might be for people who are"},{"speaker":"Nick Lincoln","startTime":5053.64,"endTime":5055.8,"body":"starting, who want to go off on"},{"speaker":"Nick Lincoln","startTime":5055.8,"endTime":5057.98,"body":"their own. That might be"},{"speaker":"Nick Lincoln","startTime":5055.8,"endTime":5057.98,"body":"something that will come up in a"},{"speaker":"Nick Lincoln","startTime":5057.98,"endTime":5060.2,"body":"conversation. Okay, thank you,"},{"speaker":"Nick Lincoln","startTime":5057.98,"endTime":5060.2,"body":"Ashton, thank you for your"},{"speaker":"Nick Lincoln","startTime":5060.2,"endTime":5063.26,"body":"question. Do appreciate that. I"},{"speaker":"Nick Lincoln","startTime":5060.2,"endTime":5063.26,"body":"think, gents, now we're running"},{"speaker":"Nick Lincoln","startTime":5063.26,"endTime":5067.16,"body":"into, what, 83 minutes, someone"},{"speaker":"Nick Lincoln","startTime":5063.26,"endTime":5067.16,"body":"shoot me. We're gonna move on to"},{"speaker":"Nick Lincoln","startTime":5067.4,"endTime":5071.48,"body":"culture corner. Here's hoping"},{"speaker":"Nick Lincoln","startTime":5067.4,"endTime":5071.48,"body":"that the thing actually works."},{"speaker":"Nick Lincoln","startTime":5075.86,"endTime":5078.58,"body":"Wonder why TRAPPIST questions"},{"speaker":"Nick Lincoln","startTime":5075.86,"endTime":5078.58,"body":"didn't work. Strange, the"},{"speaker":"Nick Lincoln","startTime":5078.58,"endTime":5080.92,"body":"universe moves a stranger. Oh,"},{"speaker":"Nick Lincoln","startTime":5078.58,"endTime":5080.92,"body":"that's working. Okay, I'll pause"},{"speaker":"Nick Lincoln","startTime":5080.92,"endTime":5084.16,"body":"it. Okay. Culture corner, we're"},{"speaker":"Nick Lincoln","startTime":5080.92,"endTime":5084.16,"body":"going to start off. I'm not"},{"speaker":"Nick Lincoln","startTime":5084.16,"endTime":5086.26,"body":"going to tell you who's starting"},{"speaker":"Nick Lincoln","startTime":5084.16,"endTime":5086.26,"body":"off because they know and"},{"speaker":"Nick Lincoln","startTime":5086.26,"endTime":5086.44,"body":"they're"},{"speaker":"Carl Widger","startTime":5087.64,"endTime":5089.32,"body":"prepped to go,"},{"speaker":"Carl Widger","startTime":5087.64,"endTime":5089.32,"body":"aren't they? Smith, thank"},{"speaker":"Alan Smith","startTime":5089.32,"endTime":5091.24,"body":"you. I knew already,"},{"speaker":"Alan Smith","startTime":5089.32,"endTime":5091.24,"body":"Carl, but thank you for the"},{"speaker":"Alan Smith","startTime":5091.24,"endTime":5094.12,"body":"support. I appreciate it. I'll"},{"speaker":"Alan Smith","startTime":5091.24,"endTime":5094.12,"body":"reciprocate."},{"speaker":"Unknown","startTime":5094.18,"endTime":5096.46,"body":"I'll just be the best"},{"speaker":"Unknown","startTime":5094.18,"endTime":5096.46,"body":"boy in the class."},{"speaker":"Alan Smith","startTime":5096.82,"endTime":5102.24,"body":"Must, uh, appreciate"},{"speaker":"Alan Smith","startTime":5096.82,"endTime":5102.24,"body":"it. I want to share a book that"},{"speaker":"Alan Smith","startTime":5102.24,"endTime":5107.64,"body":"I've recently read. The author"},{"speaker":"Alan Smith","startTime":5102.24,"endTime":5107.64,"body":"is now, as of yesterday, a close"},{"speaker":"Alan Smith","startTime":5107.64,"endTime":5117.44,"body":"personal friend, because,"},{"speaker":"Alan Smith","startTime":5107.64,"endTime":5117.44,"body":"because the on x and anyway,"},{"speaker":"Alan Smith","startTime":5117.5,"endTime":5122.54,"body":"it's called the 8020 principle,"},{"speaker":"Alan Smith","startTime":5117.5,"endTime":5122.54,"body":"achieve more with less, by a"},{"speaker":"Alan Smith","startTime":5122.54,"endTime":5128.42,"body":"gentleman called Richard cock,"},{"speaker":"Alan Smith","startTime":5122.54,"endTime":5128.42,"body":"K, O, C, H, and this is, this"},{"speaker":"Alan Smith","startTime":5128.42,"endTime":5132.38,"body":"is, this is nothing new. You"},{"speaker":"Alan Smith","startTime":5128.42,"endTime":5132.38,"body":"know the old Pareto Principle. I"},{"speaker":"Alan Smith","startTime":5132.38,"endTime":5135.26,"body":"know that Carl, you mentioned a"},{"speaker":"Alan Smith","startTime":5132.38,"endTime":5135.26,"body":"book before Dan Sullivan book,"},{"speaker":"Alan Smith","startTime":5135.5,"endTime":5138.34,"body":"which is, I can't remember as"},{"speaker":"Alan Smith","startTime":5135.5,"endTime":5138.34,"body":"long as similar some of the"},{"speaker":"Alan Smith","startTime":5138.34,"endTime":5141.28,"body":"lines. I just thought this every"},{"speaker":"Alan Smith","startTime":5138.34,"endTime":5141.28,"body":"now and again, you to be really"},{"speaker":"Alan Smith","startTime":5141.28,"endTime":5144.94,"body":"reminded. And I caught, he's"},{"speaker":"Alan Smith","startTime":5141.28,"endTime":5144.94,"body":"very practical. He's a sort of"},{"speaker":"Alan Smith","startTime":5144.94,"endTime":5148.3,"body":"serial entrepreneur. Richard is,"},{"speaker":"Alan Smith","startTime":5144.94,"endTime":5148.3,"body":"you know, bought group, grew"},{"speaker":"Alan Smith","startTime":5148.3,"endTime":5151.9,"body":"businesses. And he just applied"},{"speaker":"Alan Smith","startTime":5148.3,"endTime":5151.9,"body":"this principle to everything, in"},{"speaker":"Alan Smith","startTime":5151.9,"endTime":5154.54,"body":"terms of, you know, there are"},{"speaker":"Alan Smith","startTime":5151.9,"endTime":5154.54,"body":"20% of your clients that"},{"speaker":"Alan Smith","startTime":5154.54,"endTime":5157.86,"body":"generate 80% of the revenue."},{"speaker":"Alan Smith","startTime":5154.54,"endTime":5157.86,"body":"There are 20% of your problems"},{"speaker":"Alan Smith","startTime":5157.86,"endTime":5161.46,"body":"created by 80% and so apply to"},{"speaker":"Alan Smith","startTime":5157.86,"endTime":5161.46,"body":"every aspect of your life and"},{"speaker":"Alan Smith","startTime":5161.46,"endTime":5163.98,"body":"some real good practical"},{"speaker":"Alan Smith","startTime":5161.46,"endTime":5163.98,"body":"insights and advice. It's a"},{"speaker":"Alan Smith","startTime":5163.98,"endTime":5168.66,"body":"quick read, and I got a lot out"},{"speaker":"Alan Smith","startTime":5163.98,"endTime":5168.66,"body":"of it. So 8020 principal,"},{"speaker":"Alan Smith","startTime":5168.72,"endTime":5170.82,"body":"Richard cop, thank you very"},{"speaker":"Alan Smith","startTime":5168.72,"endTime":5170.82,"body":"much."},{"speaker":"Nick Lincoln","startTime":5172.32,"endTime":5174.66,"body":"Great stuff."},{"speaker":"Nick Lincoln","startTime":5172.32,"endTime":5174.66,"body":"Thanks. Storyteller. Mine is"},{"speaker":"Nick Lincoln","startTime":5174.66,"endTime":5177.08,"body":"linked to our bean meter,"},{"speaker":"Nick Lincoln","startTime":5174.66,"endTime":5177.08,"body":"potato. Around fitness and diet"},{"speaker":"Nick Lincoln","startTime":5177.08,"endTime":5180.2,"body":"and so forth. And it's a book"},{"speaker":"Nick Lincoln","startTime":5177.08,"endTime":5180.2,"body":"that came out in 2014 and I read"},{"speaker":"Nick Lincoln","startTime":5180.2,"endTime":5183.74,"body":"it in 2014 and it influenced me."},{"speaker":"Nick Lincoln","startTime":5180.2,"endTime":5183.74,"body":"It's called the Big Fat surprise"},{"speaker":"Nick Lincoln","startTime":5183.74,"endTime":5189.0199999999995,"body":"by Nina Ty Colts. And this is a"},{"speaker":"Nick Lincoln","startTime":5183.74,"endTime":5189.0199999999995,"body":"lady who studied this ongoing"},{"speaker":"Nick Lincoln","startTime":5189.0199999999995,"endTime":5191.9,"body":"question, why have we got raging"},{"speaker":"Nick Lincoln","startTime":5189.0199999999995,"endTime":5191.9,"body":"obesity in the West, and then"},{"speaker":"Nick Lincoln","startTime":5191.9,"endTime":5195.2,"body":"all the related illnesses that"},{"speaker":"Nick Lincoln","startTime":5191.9,"endTime":5195.2,"body":"go with it, especially diabetes,"},{"speaker":"Nick Lincoln","startTime":5195.62,"endTime":5198.46,"body":"which has come in in the last"},{"speaker":"Nick Lincoln","startTime":5195.62,"endTime":5198.46,"body":"sort of 70 years or so, when in"},{"speaker":"Nick Lincoln","startTime":5198.46,"endTime":5200.5,"body":"the West, we've massively"},{"speaker":"Nick Lincoln","startTime":5198.46,"endTime":5200.5,"body":"changed our diet. We've moved"},{"speaker":"Nick Lincoln","startTime":5200.5,"endTime":5202.78,"body":"we've been told the saturation"},{"speaker":"Nick Lincoln","startTime":5200.5,"endTime":5202.78,"body":"fats are bad. We've moved away"},{"speaker":"Nick Lincoln","startTime":5202.78,"endTime":5205.72,"body":"from dairy, we've moved away"},{"speaker":"Nick Lincoln","startTime":5202.78,"endTime":5205.72,"body":"from eggs, we've moved away from"},{"speaker":"Nick Lincoln","startTime":5205.72,"endTime":5210.04,"body":"red meat. And instead, we've"},{"speaker":"Nick Lincoln","startTime":5205.72,"endTime":5210.04,"body":"gone to oils, polyunsaturated"},{"speaker":"Nick Lincoln","startTime":5210.04,"endTime":5212.38,"body":"oils, these rapeseed oil,"},{"speaker":"Nick Lincoln","startTime":5210.04,"endTime":5212.38,"body":"sunflower oil, we've gone to"},{"speaker":"Nick Lincoln","startTime":5212.38,"endTime":5215.8,"body":"corn syrup. There's loads more"},{"speaker":"Nick Lincoln","startTime":5212.38,"endTime":5215.8,"body":"sugar in our diet. We're eating"},{"speaker":"Nick Lincoln","startTime":5215.8,"endTime":5218.4,"body":"loads more pulses, and yet we're"},{"speaker":"Nick Lincoln","startTime":5215.8,"endTime":5218.4,"body":"getting fatter and fatter and"},{"speaker":"Nick Lincoln","startTime":5218.4,"endTime":5221.58,"body":"fatter. And this book just on it"},{"speaker":"Nick Lincoln","startTime":5218.4,"endTime":5221.58,"body":"reveals, you know, it looks into"},{"speaker":"Nick Lincoln","startTime":5221.58,"endTime":5224.4,"body":"the history of all this. I won't"},{"speaker":"Nick Lincoln","startTime":5221.58,"endTime":5224.4,"body":"go into it now, but it's really"},{"speaker":"Nick Lincoln","startTime":5224.4,"endTime":5228.42,"body":"interesting. There's a lot of"},{"speaker":"Nick Lincoln","startTime":5224.4,"endTime":5228.42,"body":"bad advice given to Americans in"},{"speaker":"Nick Lincoln","startTime":5228.42,"endTime":5234.84,"body":"the early 60s, which is still"},{"speaker":"Nick Lincoln","startTime":5228.42,"endTime":5234.84,"body":"the case and we and the premise"},{"speaker":"Nick Lincoln","startTime":5234.84,"endTime":5237.44,"body":"is that human beings have lived"},{"speaker":"Nick Lincoln","startTime":5234.84,"endTime":5237.44,"body":"for hundreds of 1000s of years"},{"speaker":"Nick Lincoln","startTime":5237.44,"endTime":5240.74,"body":"on a diet of fat and meat. And"},{"speaker":"Nick Lincoln","startTime":5237.44,"endTime":5240.74,"body":"absolutely, that's what our"},{"speaker":"Nick Lincoln","startTime":5240.74,"endTime":5243.32,"body":"bodies are designed to do. And"},{"speaker":"Nick Lincoln","startTime":5240.74,"endTime":5243.32,"body":"the modern diet completely"},{"speaker":"Nick Lincoln","startTime":5243.32,"endTime":5247.22,"body":"buggers about with our insulin"},{"speaker":"Nick Lincoln","startTime":5243.32,"endTime":5247.22,"body":"levels. So much is dependent on"},{"speaker":"Nick Lincoln","startTime":5247.22,"endTime":5249.92,"body":"our insulin is that the pancreas"},{"speaker":"Nick Lincoln","startTime":5247.22,"endTime":5249.92,"body":"is like all the vital organs."},{"speaker":"Nick Lincoln","startTime":5249.92,"endTime":5253.4,"body":"It's so important. And our diets"},{"speaker":"Nick Lincoln","startTime":5249.92,"endTime":5253.4,"body":"now, we don't know when we're"},{"speaker":"Nick Lincoln","startTime":5253.4,"endTime":5256.0999999999995,"body":"sated. We just keep on eating"},{"speaker":"Nick Lincoln","startTime":5253.4,"endTime":5256.0999999999995,"body":"and eating, and that's where you"},{"speaker":"Nick Lincoln","startTime":5256.0999999999995,"endTime":5259.84,"body":"see all these fat surprise, and"},{"speaker":"Nick Lincoln","startTime":5256.0999999999995,"endTime":5259.84,"body":"it sounds very dry and academic."},{"speaker":"Nick Lincoln","startTime":5259.84,"endTime":5262.78,"body":"It's really interesting, really"},{"speaker":"Nick Lincoln","startTime":5259.84,"endTime":5262.78,"body":"well written, and it'll just"},{"speaker":"Nick Lincoln","startTime":5262.78,"endTime":5266.44,"body":"open your eyes a bit. And there"},{"speaker":"Nick Lincoln","startTime":5262.78,"endTime":5266.44,"body":"we go. That's my that's my one."},{"speaker":"Carl Widger","startTime":5269.32,"endTime":5271.3,"body":"I'm next. Thanks"},{"speaker":"Carl Widger","startTime":5269.32,"endTime":5271.3,"body":"very much for that Nick. I"},{"speaker":"Carl Widger","startTime":5271.3,"endTime":5275.5,"body":"appreciate it. I'd like to"},{"speaker":"Carl Widger","startTime":5271.3,"endTime":5275.5,"body":"recommend a book called How to"},{"speaker":"Carl Widger","startTime":5275.5,"endTime":5280.08,"body":"retire by Christine Benz, which"},{"speaker":"Carl Widger","startTime":5275.5,"endTime":5280.08,"body":"Andy actually mentioned last on"},{"speaker":"Carl Widger","startTime":5280.08,"endTime":5284.94,"body":"the last episode, and I did"},{"speaker":"Carl Widger","startTime":5280.08,"endTime":5284.94,"body":"download it. It's 20 lessons for"},{"speaker":"Carl Widger","startTime":5284.94,"endTime":5289.5,"body":"a happy, successful and wealthy"},{"speaker":"Carl Widger","startTime":5284.94,"endTime":5289.5,"body":"retirement. I'll be totally"},{"speaker":"Carl Widger","startTime":5289.5,"endTime":5292.62,"body":"honest. I'm only halfway"},{"speaker":"Carl Widger","startTime":5289.5,"endTime":5292.62,"body":"through, but I thought it good"},{"speaker":"Carl Widger","startTime":5292.62,"endTime":5297.74,"body":"enough that I sent the link to a"},{"speaker":"Carl Widger","startTime":5292.62,"endTime":5297.74,"body":"client of ours who is about to"},{"speaker":"Carl Widger","startTime":5297.74,"endTime":5300.98,"body":"or has just actually retired,"},{"speaker":"Carl Widger","startTime":5297.74,"endTime":5300.98,"body":"because there was, there's kind"},{"speaker":"Carl Widger","startTime":5300.98,"endTime":5305.84,"body":"of interviews with with people"},{"speaker":"Carl Widger","startTime":5300.98,"endTime":5305.84,"body":"in it, and it goes away from"},{"speaker":"Carl Widger","startTime":5306.14,"endTime":5309.5,"body":"necessarily just money, right?"},{"speaker":"Carl Widger","startTime":5306.14,"endTime":5309.5,"body":"It's more about having a"},{"speaker":"Carl Widger","startTime":5309.5,"endTime":5314.3,"body":"purposeful retirement, etc. So,"},{"speaker":"Carl Widger","startTime":5309.5,"endTime":5314.3,"body":"um, I'm hoping and expecting"},{"speaker":"Carl Widger","startTime":5314.3,"endTime":5316.96,"body":"that the second half of the book"},{"speaker":"Carl Widger","startTime":5314.3,"endTime":5316.96,"body":"is as good as the first half."},{"speaker":"Carl Widger","startTime":5317.26,"endTime":5322.3,"body":"And I just did think that, you"},{"speaker":"Carl Widger","startTime":5317.26,"endTime":5322.3,"body":"know, good one for clients who"},{"speaker":"Carl Widger","startTime":5322.3,"endTime":5324.64,"body":"are approaching that. Because I,"},{"speaker":"Carl Widger","startTime":5322.3,"endTime":5324.64,"body":"you know, we often do"},{"speaker":"Carl Widger","startTime":5324.64,"endTime":5328.36,"body":"underestimate that massive,"},{"speaker":"Carl Widger","startTime":5324.64,"endTime":5328.36,"body":"massive transition. You know,"},{"speaker":"Carl Widger","startTime":5328.36,"endTime":5331.48,"body":"we're talking about, yeah, the"},{"speaker":"Carl Widger","startTime":5328.36,"endTime":5331.48,"body":"money, and are we going to be"},{"speaker":"Carl Widger","startTime":5331.48,"endTime":5333.76,"body":"okay, and all that kind of"},{"speaker":"Carl Widger","startTime":5331.48,"endTime":5333.76,"body":"stuff. But you know, especially,"},{"speaker":"Carl Widger","startTime":5333.76,"endTime":5338.58,"body":"I think business owners who are,"},{"speaker":"Carl Widger","startTime":5333.76,"endTime":5338.58,"body":"who's everything is linked to"},{"speaker":"Carl Widger","startTime":5338.64,"endTime":5342.24,"body":"their self esteem, almost is"},{"speaker":"Carl Widger","startTime":5338.64,"endTime":5342.24,"body":"linked to their their identity,"},{"speaker":"Carl Widger","startTime":5342.24,"endTime":5345.96,"body":"or their role as a business"},{"speaker":"Carl Widger","startTime":5342.24,"endTime":5345.96,"body":"owner or senior execs in these"},{"speaker":"Carl Widger","startTime":5345.96,"endTime":5349.26,"body":"multinationals. So I think it's"},{"speaker":"Carl Widger","startTime":5345.96,"endTime":5349.26,"body":"something that's really, really"},{"speaker":"Carl Widger","startTime":5349.26,"endTime":5354.54,"body":"important. So, yeah, I'm halfway"},{"speaker":"Carl Widger","startTime":5349.26,"endTime":5354.54,"body":"through, and I recommend it so"},{"speaker":"Carl Widger","startTime":5354.54,"endTime":5355.08,"body":"far. Anyway."},{"speaker":"Andy Hart","startTime":5355.86,"endTime":5359.54,"body":"Cool. Okay, my final"},{"speaker":"Andy Hart","startTime":5355.86,"endTime":5359.54,"body":"topical sorry culture corner,"},{"speaker":"Andy Hart","startTime":5359.84,"endTime":5363.14,"body":"all four of them are loosely"},{"speaker":"Andy Hart","startTime":5359.84,"endTime":5363.14,"body":"financial related, which is"},{"speaker":"Andy Hart","startTime":5363.14,"endTime":5367.88,"body":"interesting. Mine's a podcast"},{"speaker":"Andy Hart","startTime":5363.14,"endTime":5367.88,"body":"the economics of Everyday Things"},{"speaker":"Andy Hart","startTime":5367.88,"endTime":5372.32,"body":"podcast, and it's by the"},{"speaker":"Andy Hart","startTime":5367.88,"endTime":5372.32,"body":"Freakonomics family. They're"},{"speaker":"Andy Hart","startTime":5372.32,"endTime":5375.44,"body":"quite short episodes, and they"},{"speaker":"Andy Hart","startTime":5372.32,"endTime":5375.44,"body":"go into sort of a wide ranging"},{"speaker":"Andy Hart","startTime":5375.44,"endTime":5379.0599999999995,"body":"topics, but do check it out. I'm"},{"speaker":"Andy Hart","startTime":5375.44,"endTime":5379.0599999999995,"body":"big fan of Freakonomics, and I"},{"speaker":"Andy Hart","startTime":5379.0599999999995,"endTime":5384.16,"body":"like the economics of Everyday"},{"speaker":"Andy Hart","startTime":5379.0599999999995,"endTime":5384.16,"body":"Things. Back to you. Nicholas,"},{"speaker":"Andy Hart","startTime":5384.76,"endTime":5385.36,"body":"cool,"},{"speaker":"Nick Lincoln","startTime":5385.42,"endTime":5387.5199999999995,"body":"right? I think"},{"speaker":"Nick Lincoln","startTime":5385.42,"endTime":5387.5199999999995,"body":"we're done, aren't we? We've"},{"speaker":"Nick Lincoln","startTime":5387.5199999999995,"endTime":5390.64,"body":"done culture corner. We're at"},{"speaker":"Nick Lincoln","startTime":5387.5199999999995,"endTime":5390.64,"body":"just under an hour and a half."},{"speaker":"Unknown","startTime":5391.42,"endTime":5392.26,"body":"Good grief."},{"speaker":"Nick Lincoln","startTime":5392.5,"endTime":5394.0599999999995,"body":"Okay, dear"},{"speaker":"Nick Lincoln","startTime":5392.5,"endTime":5394.0599999999995,"body":"trappers, I think that's a wrap,"},{"speaker":"Nick Lincoln","startTime":5394.0599999999995,"endTime":5395.98,"body":"isn't it? For this episode,"},{"speaker":"Nick Lincoln","startTime":5394.0599999999995,"endTime":5395.98,"body":"we're all happy with that."},{"speaker":"Nick Lincoln","startTime":5395.98,"endTime":5398.4,"body":"Please do leave a six out of"},{"speaker":"Nick Lincoln","startTime":5395.98,"endTime":5398.4,"body":"five star review on iTunes or"},{"speaker":"Nick Lincoln","startTime":5398.4,"endTime":5401.28,"body":"whatever app lets you leave a"},{"speaker":"Nick Lincoln","startTime":5398.4,"endTime":5401.28,"body":"review. Do like and subscribe to"},{"speaker":"Nick Lincoln","startTime":5401.28,"endTime":5403.62,"body":"us on our YouTube channel, our"},{"speaker":"Nick Lincoln","startTime":5401.28,"endTime":5403.62,"body":"burgeoning YouTube channel, we"},{"speaker":"Nick Lincoln","startTime":5403.62,"endTime":5405.78,"body":"really are near 1000"},{"speaker":"Nick Lincoln","startTime":5403.62,"endTime":5405.78,"body":"subscribers, which is still"},{"speaker":"Nick Lincoln","startTime":5405.78,"endTime":5408.42,"body":"something I can't quite wrestle"},{"speaker":"Nick Lincoln","startTime":5405.78,"endTime":5408.42,"body":"with, but that's great. Thank"},{"speaker":"Nick Lincoln","startTime":5408.42,"endTime":5411.3,"body":"you very much. But until the"},{"speaker":"Nick Lincoln","startTime":5408.42,"endTime":5411.3,"body":"next time, unless Andy you want"},{"speaker":"Nick Lincoln","startTime":5411.3,"endTime":5413.64,"body":"to mumble something under your"},{"speaker":"Nick Lincoln","startTime":5411.3,"endTime":5413.64,"body":"breath, as you normally do, at"},{"speaker":"Andy Hart","startTime":5413.76,"endTime":5416.0999999999995,"body":"this time, I will say"},{"speaker":"Andy Hart","startTime":5413.76,"endTime":5416.0999999999995,"body":"I'm going to be organizing some"},{"speaker":"Andy Hart","startTime":5416.0999999999995,"endTime":5420.2,"body":"mouth tape to be sent to Watford"},{"speaker":"Andy Hart","startTime":5416.0999999999995,"endTime":5420.2,"body":"for TLP to put over you so she"},{"speaker":"Andy Hart","startTime":5420.2,"endTime":5423.14,"body":"can sleep in the same bedroom as"},{"speaker":"Andy Hart","startTime":5420.2,"endTime":5423.14,"body":"you Nick and not sleep in the"},{"speaker":"Andy Hart","startTime":5423.2,"endTime":5425.54,"body":"other bedroom. So I might have"},{"speaker":"Andy Hart","startTime":5423.2,"endTime":5425.54,"body":"just"},{"speaker":"Nick Lincoln","startTime":5425.96,"endTime":5427.0999999999995,"body":"saved your"},{"speaker":"Nick Lincoln","startTime":5425.96,"endTime":5427.0999999999995,"body":"marriage. Thank"},{"speaker":"Alan Smith","startTime":5427.0999999999995,"endTime":5429.68,"body":"you very much for"},{"speaker":"Alan Smith","startTime":5427.0999999999995,"endTime":5429.68,"body":"the next episode of trap,"},{"speaker":"Nick Lincoln","startTime":5431.9,"endTime":5434.48,"body":"right? Dear trap"},{"speaker":"Nick Lincoln","startTime":5431.9,"endTime":5434.48,"body":"is that's it. We're done. Thank"},{"speaker":"Nick Lincoln","startTime":5434.48,"endTime":5437.5,"body":"you for your precious time. Take"},{"speaker":"Nick Lincoln","startTime":5434.48,"endTime":5437.5,"body":"care out there. We will see you"},{"speaker":"Nick Lincoln","startTime":5437.5,"endTime":5440.92,"body":"all in two weeks time. Adios,"},{"speaker":"Nick Lincoln","startTime":5437.5,"endTime":5440.92,"body":"get out of my computer. Go on,"},{"speaker":"Nick Lincoln","startTime":5440.92,"endTime":5441.28,"body":"go"},{"speaker":"Unknown","startTime":5441.4,"endTime":5444.7,"body":"go bye, bye, bye, bye."}]}