{"version":"1.0.0","segments":[{"speaker":"Unknown","startTime":0.96,"endTime":5.04,"body":"Yes. Okay, so the first"},{"speaker":"Unknown","startTime":0.96,"endTime":5.04,"body":"bit, how does everyone feel,"},{"speaker":"Unknown","startTime":5.04,"endTime":9.66,"body":"was, did we like it? Did we like"},{"speaker":"Unknown","startTime":5.04,"endTime":9.66,"body":"the roasting? Possibly about to"},{"speaker":"Unknown","startTime":9.66,"endTime":14.34,"body":"be disappointed by by what's to"},{"speaker":"Unknown","startTime":9.66,"endTime":14.34,"body":"follow, but we are going to"},{"speaker":"Unknown","startTime":14.34,"endTime":19.44,"body":"introduce the main event. Hit"},{"speaker":"Unknown","startTime":14.34,"endTime":19.44,"body":"it. I'm supposed to say, here"},{"speaker":"Unknown","startTime":19.44,"endTime":21.08,"body":"we go. Turn it up. A bit louder,"},{"speaker":"Unknown","startTime":19.44,"endTime":21.08,"body":"please"},{"speaker":"Unknown","startTime":21.079,"endTime":23.719,"body":"welcome to the real advisor"},{"speaker":"Unknown","startTime":21.079,"endTime":23.719,"body":"podcast. Please follow us and"},{"speaker":"Unknown","startTime":23.719,"endTime":27.679,"body":"join in the"},{"speaker":"Unknown","startTime":39.92,"endTime":43.12,"body":"conversation. Five Star Review"},{"speaker":"Unknown","startTime":39.92,"endTime":43.12,"body":"on our tunes, and doing all this"},{"speaker":"Unknown","startTime":43.3,"endTime":46.72,"body":"really, really helps us, which"},{"speaker":"Unknown","startTime":43.3,"endTime":46.72,"body":"means we continue to help you."},{"speaker":"Unknown","startTime":46.96,"endTime":50.14,"body":"Now let's head over to the"},{"speaker":"Unknown","startTime":46.96,"endTime":50.14,"body":"studio for the latest tale of"},{"speaker":"Unknown","startTime":50.14,"endTime":50.5,"body":"trap."},{"speaker":"Nick Lincoln","startTime":55.12,"endTime":57.34,"body":"Yes, indeed, dear"},{"speaker":"Nick Lincoln","startTime":55.12,"endTime":57.34,"body":"TRAPPIST, welcome back to what"},{"speaker":"Nick Lincoln","startTime":57.34,"endTime":60.66,"body":"many people are calling episode"},{"speaker":"Nick Lincoln","startTime":57.34,"endTime":60.66,"body":"71, of the real advisor,"},{"speaker":"Nick Lincoln","startTime":60.66,"endTime":64.56,"body":"podcast, T, R, A, P, trap. My"},{"speaker":"Nick Lincoln","startTime":60.66,"endTime":64.56,"body":"name is now officially Lincoln,"},{"speaker":"Nick Lincoln","startTime":64.86,"endTime":68.82,"body":"and joining me this evening, not"},{"speaker":"Nick Lincoln","startTime":64.86,"endTime":68.82,"body":"in the digital studio of doom,"},{"speaker":"Nick Lincoln","startTime":69.9,"endTime":76.26,"body":"take time, fella, but in a real,"},{"speaker":"Nick Lincoln","startTime":69.9,"endTime":76.26,"body":"physical location, are the three"},{"speaker":"Nick Lincoln","startTime":76.26,"endTime":80.52,"body":"other Horsemen of the"},{"speaker":"Nick Lincoln","startTime":76.26,"endTime":80.52,"body":"Apocalypse, Carl de la Bucha,"},{"speaker":"Nick Lincoln","startTime":80.52,"endTime":81.14,"body":"the voice with you,"},{"speaker":"Unknown","startTime":87.26,"endTime":89.18,"body":"and the ultra heart,"},{"speaker":"Nick Lincoln","startTime":93.92,"endTime":101.74,"body":"and Alan the story"},{"speaker":"Nick Lincoln","startTime":93.92,"endTime":101.74,"body":"teller Smith, now I imagine"},{"speaker":"Nick Lincoln","startTime":101.74,"endTime":103.84,"body":"there are Trappists at home"},{"speaker":"Nick Lincoln","startTime":101.74,"endTime":103.84,"body":"listening to this on their"},{"speaker":"Nick Lincoln","startTime":103.84,"endTime":106.9,"body":"portable transistor radios who"},{"speaker":"Nick Lincoln","startTime":103.84,"endTime":106.9,"body":"cannot believe that we've got a"},{"speaker":"Nick Lincoln","startTime":106.9,"endTime":109.48,"body":"live audience here in the"},{"speaker":"Nick Lincoln","startTime":106.9,"endTime":109.48,"body":"Seligmann theater at the"},{"speaker":"Nick Lincoln","startTime":109.48,"endTime":112.18,"body":"fantastic Royal College of"},{"speaker":"Nick Lincoln","startTime":109.48,"endTime":112.18,"body":"Physicians. So I want to say,"},{"speaker":"Nick Lincoln","startTime":112.18,"endTime":114.76,"body":"firstly, thanks to all you guys"},{"speaker":"Nick Lincoln","startTime":112.18,"endTime":114.76,"body":"and girls for coming and for"},{"speaker":"Nick Lincoln","startTime":114.76,"endTime":117.28,"body":"your support. Over the last"},{"speaker":"Nick Lincoln","startTime":114.76,"endTime":117.28,"body":"year, it's been brilliant. This"},{"speaker":"Nick Lincoln","startTime":117.28,"endTime":120.34,"body":"thing keeps on growing. I do"},{"speaker":"Nick Lincoln","startTime":117.28,"endTime":120.34,"body":"want to acknowledge that we have"},{"speaker":"Nick Lincoln","startTime":120.4,"endTime":123.0,"body":"really sold this place out, and"},{"speaker":"Nick Lincoln","startTime":120.4,"endTime":123.0,"body":"hopefully those people that"},{"speaker":"Nick Lincoln","startTime":123.0,"endTime":125.52,"body":"standing are the ones that got"},{"speaker":"Nick Lincoln","startTime":123.0,"endTime":125.52,"body":"scholarship tickets. It's great"},{"speaker":"Nick Lincoln","startTime":125.52,"endTime":129.54,"body":"that so many of you did turn out"},{"speaker":"Nick Lincoln","startTime":125.52,"endTime":129.54,"body":"we were expecting more dropouts."},{"speaker":"Nick Lincoln","startTime":129.54,"endTime":135.3,"body":"And look at the audience, we got"},{"speaker":"Nick Lincoln","startTime":129.54,"endTime":135.3,"body":"quite a few dropouts, right?"},{"speaker":"Nick Lincoln","startTime":135.36,"endTime":137.88,"body":"Let's just quickly go through"},{"speaker":"Nick Lincoln","startTime":135.36,"endTime":137.88,"body":"some very quick thanks to the"},{"speaker":"Nick Lincoln","startTime":137.88,"endTime":140.84,"body":"people that made the effort to"},{"speaker":"Nick Lincoln","startTime":137.88,"endTime":140.84,"body":"come here. Sam from that from"},{"speaker":"Nick Lincoln","startTime":140.84,"endTime":144.02,"body":"the USA. Fantastic. Her thing"},{"speaker":"Nick Lincoln","startTime":140.84,"endTime":144.02,"body":"was really good. We've got"},{"speaker":"Nick Lincoln","startTime":144.2,"endTime":148.28,"body":"Jackie from Singapore here."},{"speaker":"Nick Lincoln","startTime":144.2,"endTime":148.28,"body":"We've got lunch club Dirk"},{"speaker":"Nick Lincoln","startTime":148.34,"endTime":153.5,"body":"representing the Third World."},{"speaker":"Nick Lincoln","startTime":148.34,"endTime":153.5,"body":"All is all is good. I'd like to"},{"speaker":"Nick Lincoln","startTime":153.5,"endTime":157.7,"body":"say special thanks to our trap"},{"speaker":"Nick Lincoln","startTime":153.5,"endTime":157.7,"body":"brand partners, fundment and"},{"speaker":"Nick Lincoln","startTime":157.7,"endTime":161.8,"body":"Vanguard. We are kind of nailing"},{"speaker":"Nick Lincoln","startTime":157.7,"endTime":161.8,"body":"it. Working on an agreement with"},{"speaker":"Nick Lincoln","startTime":161.8,"endTime":164.32,"body":"these guys to do stuff over the"},{"speaker":"Nick Lincoln","startTime":161.8,"endTime":164.32,"body":"next 12 months. It's gonna be"},{"speaker":"Nick Lincoln","startTime":164.32,"endTime":167.44,"body":"really exciting content produced"},{"speaker":"Nick Lincoln","startTime":164.32,"endTime":167.44,"body":"by real financial advisors for"},{"speaker":"Nick Lincoln","startTime":167.44,"endTime":170.38,"body":"real financial advisors, with"},{"speaker":"Nick Lincoln","startTime":167.44,"endTime":170.38,"body":"Vanguard and fundment helping us"},{"speaker":"Nick Lincoln","startTime":170.38,"endTime":173.44,"body":"to do that. It's exciting times,"},{"speaker":"Nick Lincoln","startTime":170.38,"endTime":173.44,"body":"and we're looking forward to it."},{"speaker":"Nick Lincoln","startTime":173.44,"endTime":175.78,"body":"There is a QR code there, if you"},{"speaker":"Nick Lincoln","startTime":173.44,"endTime":175.78,"body":"can, and"},{"speaker":"Nick Lincoln","startTime":182.199,"endTime":185.159,"body":"there are plenty of free loading"},{"speaker":"Nick Lincoln","startTime":182.199,"endTime":185.159,"body":"representatives of both those"},{"speaker":"Nick Lincoln","startTime":185.159,"endTime":187.439,"body":"brands here, if you want to"},{"speaker":"Nick Lincoln","startTime":185.159,"endTime":187.439,"body":"catch up with them. Owners here"},{"speaker":"Nick Lincoln","startTime":187.439,"endTime":190.139,"body":"is somewhere. There's this QR"},{"speaker":"Nick Lincoln","startTime":187.439,"endTime":190.139,"body":"code there, if you want to scan"},{"speaker":"Nick Lincoln","startTime":190.139,"endTime":192.779,"body":"that and have a look at that and"},{"speaker":"Nick Lincoln","startTime":190.139,"endTime":192.779,"body":"just answer the question on"},{"speaker":"Nick Lincoln","startTime":192.779,"endTime":194.939,"body":"there. We'll come back to that"},{"speaker":"Nick Lincoln","startTime":192.779,"endTime":194.939,"body":"at the end of the topical"},{"speaker":"Nick Lincoln","startTime":194.939,"endTime":197.399,"body":"tidbits, we'll address what"},{"speaker":"Nick Lincoln","startTime":194.939,"endTime":197.399,"body":"response is or type into"},{"speaker":"Nick Lincoln","startTime":197.399,"endTime":201.919,"body":"browser. Tiny.cc/trap live."},{"speaker":"Nick Lincoln","startTime":197.399,"endTime":201.919,"body":"Okay. Final thing, just to make"},{"speaker":"Nick Lincoln","startTime":201.919,"endTime":204.979,"body":"sure that the people at home"},{"speaker":"Nick Lincoln","startTime":201.919,"endTime":204.979,"body":"know there is a live audience"},{"speaker":"Nick Lincoln","startTime":204.979,"endTime":207.499,"body":"here, I just wanted to shout"},{"speaker":"Nick Lincoln","startTime":204.979,"endTime":207.499,"body":"something out. I haven't given"},{"speaker":"Nick Lincoln","startTime":207.499,"endTime":210.379,"body":"this much thought, but on the"},{"speaker":"Nick Lincoln","startTime":207.499,"endTime":210.379,"body":"count of three, as loud as you"},{"speaker":"Nick Lincoln","startTime":210.379,"endTime":218.719,"body":"can, oh, I don't know, lick for"},{"speaker":"Nick Lincoln","startTime":210.379,"endTime":218.719,"body":"prime minister, OK, 123, and it"},{"speaker":"Nick Lincoln","startTime":218.719,"endTime":221.859,"body":"will happen one day, right?"},{"speaker":"Nick Lincoln","startTime":218.719,"endTime":221.859,"body":"Without any further ado, because"},{"speaker":"Nick Lincoln","startTime":221.859,"endTime":226.899,"body":"we've got show packed full of"},{"speaker":"Nick Lincoln","startTime":221.859,"endTime":226.899,"body":"app, absolutely nothing. I shall"},{"speaker":"Nick Lincoln","startTime":226.899,"endTime":230.379,"body":"hand over to my friend for some"},{"speaker":"Nick Lincoln","startTime":226.899,"endTime":230.379,"body":"more high energy review. Reads"},{"speaker":"Nick Lincoln","startTime":230.379,"endTime":233.679,"body":"the right honorable Mr. Andrew"},{"speaker":"Nick Lincoln","startTime":230.379,"endTime":233.679,"body":"Usain Hart, thank you very much."},{"speaker":"Nick Lincoln","startTime":233.679,"endTime":236.139,"body":"Nicholas, welcome everybody."},{"speaker":"Nick Lincoln","startTime":233.679,"endTime":236.139,"body":"We've got three reviews tonight,"},{"speaker":"Nick Lincoln","startTime":236.139,"endTime":239.619,"body":"so we're going to get a crack"},{"speaker":"Nick Lincoln","startTime":236.139,"endTime":239.619,"body":"in. First one is from Sir Ernest"},{"speaker":"Nick Lincoln","startTime":239.619,"endTime":245.219,"body":"lisner, entitled, makes you"},{"speaker":"Nick Lincoln","startTime":239.619,"endTime":245.219,"body":"proud to be British and Irish."},{"speaker":"Nick Lincoln","startTime":248.039,"endTime":252.059,"body":"Never in the field of financial"},{"speaker":"Nick Lincoln","startTime":248.039,"endTime":252.059,"body":"advisory conflict has so much"},{"speaker":"Nick Lincoln","startTime":252.059,"endTime":256.919,"body":"trap been owned by so many to so"},{"speaker":"Nick Lincoln","startTime":252.059,"endTime":256.919,"body":"few. Much congratulations to the"},{"speaker":"Nick Lincoln","startTime":256.919,"endTime":260.599,"body":"four horsemen of the apocalypse"},{"speaker":"Nick Lincoln","startTime":256.919,"endTime":260.599,"body":"for the fortnightly blast of"},{"speaker":"Nick Lincoln","startTime":260.599,"endTime":263.299,"body":"continuous professional"},{"speaker":"Nick Lincoln","startTime":260.599,"endTime":263.299,"body":"discussion and commiserations to"},{"speaker":"Nick Lincoln","startTime":263.299,"endTime":267.979,"body":"the fifth member who left before"},{"speaker":"Nick Lincoln","startTime":263.299,"endTime":267.979,"body":"the group became famous. Make"},{"speaker":"Nick Lincoln","startTime":267.979,"endTime":270.439,"body":"your own minds up. Disclaimer,"},{"speaker":"Nick Lincoln","startTime":267.979,"endTime":270.439,"body":"the value of podcasts can go"},{"speaker":"Nick Lincoln","startTime":270.439,"endTime":272.839,"body":"down as well as up. Past"},{"speaker":"Nick Lincoln","startTime":270.439,"endTime":272.839,"body":"performance is not a reliable"},{"speaker":"Nick Lincoln","startTime":272.839,"endTime":276.679,"body":"indicator of future performance."},{"speaker":"Nick Lincoln","startTime":272.839,"endTime":276.679,"body":"Next up, James Palmer, five"},{"speaker":"Nick Lincoln","startTime":276.679,"endTime":279.859,"body":"stars, the ideal companion for"},{"speaker":"Nick Lincoln","startTime":276.679,"endTime":279.859,"body":"someone coming back into the"},{"speaker":"Nick Lincoln","startTime":279.859,"endTime":283.599,"body":"industry, a brilliant, quality"},{"speaker":"Nick Lincoln","startTime":279.859,"endTime":283.599,"body":"podcast that has provided the"},{"speaker":"Nick Lincoln","startTime":283.599,"endTime":286.959,"body":"perfect fuel as I immerse myself"},{"speaker":"Nick Lincoln","startTime":283.599,"endTime":286.959,"body":"back into the profession. I'm"},{"speaker":"Nick Lincoln","startTime":286.959,"endTime":290.919,"body":"returning after nine years away,"},{"speaker":"Nick Lincoln","startTime":286.959,"endTime":290.919,"body":"and trap has been fantastic, a"},{"speaker":"Nick Lincoln","startTime":290.919,"endTime":293.499,"body":"fantastic help in bringing back"},{"speaker":"Nick Lincoln","startTime":290.919,"endTime":293.499,"body":"up to speed, genuinely"},{"speaker":"Nick Lincoln","startTime":293.499,"endTime":295.899,"body":"insightful and entertaining"},{"speaker":"Nick Lincoln","startTime":293.499,"endTime":295.899,"body":"every time. And even I got a"},{"speaker":"Nick Lincoln","startTime":295.899,"endTime":300.539,"body":"shout out from Alan when I"},{"speaker":"Nick Lincoln","startTime":295.899,"endTime":300.539,"body":"dropped him my CV. Along with"},{"speaker":"Nick Lincoln","startTime":300.539,"endTime":303.659,"body":"chocolates late last year. Keep"},{"speaker":"Nick Lincoln","startTime":300.539,"endTime":303.659,"body":"up the good work. Oh yeah."},{"speaker":"Nick Lincoln","startTime":303.659,"endTime":308.099,"body":"Moving on to the review of the"},{"speaker":"Nick Lincoln","startTime":303.659,"endTime":308.099,"body":"night, the review of the year,"},{"speaker":"Nick Lincoln","startTime":308.159,"endTime":312.299,"body":"the review of the year. This is"},{"speaker":"Nick Lincoln","startTime":308.159,"endTime":312.299,"body":"from someone called Spanner 35"},{"speaker":"Nick Lincoln","startTime":312.719,"endTime":313.199,"body":"you make up"},{"speaker":"Carl Widger","startTime":314.28,"endTime":317.34,"body":"your wish if you're"},{"speaker":"Carl Widger","startTime":314.28,"endTime":317.34,"body":"here before we read it out, make"},{"speaker":"Carl Widger","startTime":317.34,"endTime":319.68,"body":"yourself known. Yes. Stan,"},{"speaker":"Nick Lincoln","startTime":319.68,"endTime":325.1,"body":"Spanner 35 It's"},{"speaker":"Nick Lincoln","startTime":319.68,"endTime":325.1,"body":"entitled poor one stars. Here's"},{"speaker":"Nick Lincoln","startTime":325.1,"endTime":333.02,"body":"the review, four blokes sucking"},{"speaker":"Nick Lincoln","startTime":325.1,"endTime":333.02,"body":"each other off. We haven't made"},{"speaker":"Nick Lincoln","startTime":333.02,"endTime":337.4,"body":"this up. It's on Apple tonight."},{"speaker":"Nick Lincoln","startTime":333.02,"endTime":337.4,"body":"Latest review. I'll start it so"},{"speaker":"Nick Lincoln","startTime":337.4,"endTime":340.54,"body":"I'll finish. Four blokes sucking"},{"speaker":"Nick Lincoln","startTime":337.4,"endTime":340.54,"body":"each other off, thinking they're"},{"speaker":"Nick Lincoln","startTime":340.54,"endTime":341.02,"body":"God's gift,"},{"speaker":"Unknown","startTime":346.0,"endTime":347.8,"body":"due to a lack so far so"},{"speaker":"Unknown","startTime":346.0,"endTime":347.8,"body":"good, due"},{"speaker":"Nick Lincoln","startTime":347.8,"endTime":350.14,"body":"to a lack of"},{"speaker":"Nick Lincoln","startTime":347.8,"endTime":350.14,"body":"knowledge, always errors and a"},{"speaker":"Nick Lincoln","startTime":350.14,"endTime":354.34,"body":"lack of understanding. I can see"},{"speaker":"Nick Lincoln","startTime":350.14,"endTime":354.34,"body":"why people don't use massively"},{"speaker":"Nick Lincoln","startTime":354.34,"endTime":359.74,"body":"overpriced financial advisors"},{"speaker":"Nick Lincoln","startTime":354.34,"endTime":359.74,"body":"normally. This later, I say"},{"speaker":"Nick Lincoln","startTime":359.74,"endTime":363.36,"body":"thank you for the reviews."},{"speaker":"Nick Lincoln","startTime":359.74,"endTime":363.36,"body":"They're a real shot in the arm."},{"speaker":"Nick Lincoln","startTime":363.36,"endTime":366.06,"body":"Actually, we don't mind. We"},{"speaker":"Nick Lincoln","startTime":363.36,"endTime":366.06,"body":"quite like getting five star and"},{"speaker":"Nick Lincoln","startTime":366.06,"endTime":368.7,"body":"one star. We never wanted to be."},{"speaker":"Nick Lincoln","startTime":366.06,"endTime":368.7,"body":"You want a three star milk"},{"speaker":"Nick Lincoln","startTime":368.7,"endTime":370.86,"body":"toast. We want to be we want to"},{"speaker":"Nick Lincoln","startTime":368.7,"endTime":370.86,"body":"be bothered. You know, we want"},{"speaker":"Nick Lincoln","startTime":370.86,"endTime":373.14,"body":"to Marmite either love us or"},{"speaker":"Nick Lincoln","startTime":370.86,"endTime":373.14,"body":"loath so. Thank you to that"},{"speaker":"Nick Lincoln","startTime":373.14,"endTime":377.1,"body":"complete. All right, let's put"},{"speaker":"Nick Lincoln","startTime":373.14,"endTime":377.1,"body":"it, let's put a timestamp on"},{"speaker":"Nick Lincoln","startTime":377.1,"endTime":381.32,"body":"this episode, Episode 71, of the"},{"speaker":"Nick Lincoln","startTime":377.1,"endTime":381.32,"body":"real advisor podcast trap, and"},{"speaker":"Nick Lincoln","startTime":381.32,"endTime":383.66,"body":"we will do that with the topical"},{"speaker":"Nick Lincoln","startTime":381.32,"endTime":383.66,"body":"tidbits. And we're going to"},{"speaker":"Nick Lincoln","startTime":383.66,"endTime":386.54,"body":"start off with you, Andrew, and"},{"speaker":"Nick Lincoln","startTime":383.66,"endTime":386.54,"body":"your favorite, I think, your"},{"speaker":"Nick Lincoln","startTime":386.54,"endTime":389.12,"body":"favorite person in the world."},{"speaker":"Nick Lincoln","startTime":386.54,"endTime":389.12,"body":"Yes, this is Mr. Warren Buffett,"},{"speaker":"Nick Lincoln","startTime":389.12,"endTime":393.44,"body":"who had the This is Mr. Warren"},{"speaker":"Nick Lincoln","startTime":389.12,"endTime":393.44,"body":"Buffett, who had his annual"},{"speaker":"Nick Lincoln","startTime":393.44,"endTime":397.94,"body":"general meeting a couple of"},{"speaker":"Nick Lincoln","startTime":393.44,"endTime":397.94,"body":"weeks ago in Omaha, Nebraska. He"},{"speaker":"Nick Lincoln","startTime":398.3,"endTime":401.26,"body":"announced his retirement. But"},{"speaker":"Nick Lincoln","startTime":398.3,"endTime":401.26,"body":"you know a couple of quotes I'm"},{"speaker":"Nick Lincoln","startTime":401.26,"endTime":404.38,"body":"going to share with you that Mr."},{"speaker":"Nick Lincoln","startTime":401.26,"endTime":404.38,"body":"Buffett has inspired me with."},{"speaker":"Nick Lincoln","startTime":404.68,"endTime":407.5,"body":"He's done a lot of good. He's"},{"speaker":"Nick Lincoln","startTime":404.68,"endTime":407.5,"body":"been a bit of a lone voice for"},{"speaker":"Nick Lincoln","startTime":407.5,"endTime":409.66,"body":"the miracle of only equities"},{"speaker":"Nick Lincoln","startTime":407.5,"endTime":409.66,"body":"long term, all about"},{"speaker":"Nick Lincoln","startTime":409.66,"endTime":412.18,"body":"temperament, Trump's intellect."},{"speaker":"Nick Lincoln","startTime":409.66,"endTime":412.18,"body":"So yeah, huge fan of Mr."},{"speaker":"Nick Lincoln","startTime":412.18,"endTime":414.28,"body":"Buffett. I'm sure a lot of"},{"speaker":"Nick Lincoln","startTime":412.18,"endTime":414.28,"body":"people are in the room. Okay, so"},{"speaker":"Nick Lincoln","startTime":414.28,"endTime":417.52,"body":"my top three Buffett quotes, the"},{"speaker":"Nick Lincoln","startTime":414.28,"endTime":417.52,"body":"best investment you can make is"},{"speaker":"Nick Lincoln","startTime":417.52,"endTime":421.08,"body":"in yourself. Risk comes from not"},{"speaker":"Nick Lincoln","startTime":417.52,"endTime":421.08,"body":"knowing what you're doing. The"},{"speaker":"Nick Lincoln","startTime":421.44,"endTime":424.32,"body":"stock market is designed to"},{"speaker":"Nick Lincoln","startTime":421.44,"endTime":424.32,"body":"transfer money from the active"},{"speaker":"Nick Lincoln","startTime":424.32,"endTime":428.58,"body":"to the patient. Anything to say,"},{"speaker":"Nick Lincoln","startTime":424.32,"endTime":428.58,"body":"gentlemen."},{"speaker":"Carl Widger","startTime":431.34,"endTime":433.86,"body":"So the reason there"},{"speaker":"Carl Widger","startTime":431.34,"endTime":433.86,"body":"was a pause there we were all"},{"speaker":"Carl Widger","startTime":433.86,"endTime":437.82,"body":"supposed to have our favorite"},{"speaker":"Carl Widger","startTime":433.86,"endTime":437.82,"body":"Warren Buffet quotes, but when"},{"speaker":"Carl Widger","startTime":437.82,"endTime":440.82,"body":"we spoke during the week, I"},{"speaker":"Carl Widger","startTime":437.82,"endTime":440.82,"body":"said, Well, there's no point in"},{"speaker":"Carl Widger","startTime":440.82,"endTime":443.18,"body":"me preparing for this one just"},{"speaker":"Carl Widger","startTime":440.82,"endTime":443.18,"body":"because it's going because it's"},{"speaker":"Carl Widger","startTime":443.18,"endTime":445.64,"body":"going to be live, because I"},{"speaker":"Carl Widger","startTime":443.18,"endTime":445.64,"body":"haven't clearly prepared for any"},{"speaker":"Carl Widger","startTime":445.64,"endTime":449.0,"body":"of the others. So they've been"},{"speaker":"Carl Widger","startTime":445.64,"endTime":449.0,"body":"slagging me for the last hour,"},{"speaker":"Carl Widger","startTime":449.0,"endTime":451.1,"body":"saying you're not going to"},{"speaker":"Carl Widger","startTime":449.0,"endTime":451.1,"body":"remember the quote. So I'm"},{"speaker":"Carl Widger","startTime":451.1,"endTime":454.52,"body":"clearly not going to remember"},{"speaker":"Carl Widger","startTime":451.1,"endTime":454.52,"body":"the quote, but it goes something"},{"speaker":"Carl Widger","startTime":454.52,"endTime":458.48,"body":"like somebody is sitting in the"},{"speaker":"Carl Widger","startTime":454.52,"endTime":458.48,"body":"shade now, because somebody"},{"speaker":"Carl Widger","startTime":458.48,"endTime":460.66,"body":"planted a tree a long time ago,"},{"speaker":"Unknown","startTime":462.4,"endTime":463.48,"body":"good enough. Good"},{"speaker":"Unknown","startTime":462.4,"endTime":463.48,"body":"enough."},{"speaker":"Carl Widger","startTime":465.22,"endTime":467.44,"body":"I should also say"},{"speaker":"Carl Widger","startTime":465.22,"endTime":467.44,"body":"that Alan said Warren Buffett"},{"speaker":"Carl Widger","startTime":467.44,"endTime":471.88,"body":"didn't say that. The Dalai Lama"},{"speaker":"Carl Widger","startTime":467.44,"endTime":471.88,"body":"said that. I think it was"},{"speaker":"Carl Widger","startTime":471.88,"endTime":476.32,"body":"Buffett. But there was another"},{"speaker":"Carl Widger","startTime":471.88,"endTime":476.32,"body":"the advice that when Buffett was"},{"speaker":"Carl Widger","startTime":476.32,"endTime":479.74,"body":"asked, What advice would you"},{"speaker":"Carl Widger","startTime":476.32,"endTime":479.74,"body":"give your wife if you passed"},{"speaker":"Carl Widger","startTime":479.74,"endTime":483.24,"body":"away to what advice would you"},{"speaker":"Carl Widger","startTime":479.74,"endTime":483.24,"body":"give her in terms of investing"},{"speaker":"Carl Widger","startTime":483.24,"endTime":487.74,"body":"your wealth? And he said, 90% in"},{"speaker":"Carl Widger","startTime":483.24,"endTime":487.74,"body":"the s and p5, 110% in US"},{"speaker":"Carl Widger","startTime":487.74,"endTime":491.64,"body":"Treasuries. For me, like There"},{"speaker":"Carl Widger","startTime":487.74,"endTime":491.64,"body":"you go. The most successful"},{"speaker":"Carl Widger","startTime":491.64,"endTime":495.3,"body":"investor in the world is saying"},{"speaker":"Carl Widger","startTime":491.64,"endTime":495.3,"body":"index investing is the way"},{"speaker":"Carl Widger","startTime":495.3,"endTime":499.56,"body":"forward. So maybe everybody here"},{"speaker":"Carl Widger","startTime":495.3,"endTime":499.56,"body":"thinks they're better than"},{"speaker":"Carl Widger","startTime":499.56,"endTime":503.36,"body":"Warren Buffett, I don't so"},{"speaker":"Carl Widger","startTime":499.56,"endTime":503.36,"body":"that's the the investment"},{"speaker":"Carl Widger","startTime":503.36,"endTime":505.04,"body":"philosophy that I subscribe"},{"speaker":"Unknown","startTime":505.04,"endTime":509.0,"body":"to. Sorry, the 90% was"},{"speaker":"Unknown","startTime":505.04,"endTime":509.0,"body":"what company again, the s and p5"},{"speaker":"Unknown","startTime":509.18,"endTime":512.06,"body":"100, and it was the company"},{"speaker":"Unknown","startTime":509.18,"endTime":512.06,"body":"called Vanguard."},{"speaker":"Unknown","startTime":512.12,"endTime":512.72,"body":"Yes,"},{"speaker":"Nick Lincoln","startTime":520.279,"endTime":522.579,"body":"you're watching"},{"speaker":"Nick Lincoln","startTime":520.279,"endTime":522.579,"body":"someone sell his soul in real"},{"speaker":"Nick Lincoln","startTime":522.579,"endTime":522.759,"body":"time."},{"speaker":"Unknown","startTime":524.62,"endTime":526.06,"body":"There are other he"},{"speaker":"Unknown","startTime":526.06,"endTime":530.5,"body":"didn't manage the name on the"},{"speaker":"Unknown","startTime":526.06,"endTime":530.5,"body":"fund s and p5 100, not yet, not"},{"speaker":"Unknown","startTime":530.62,"endTime":536.38,"body":"yet. Fun fact that I read"},{"speaker":"Unknown","startTime":530.62,"endTime":536.38,"body":"recently talking about your"},{"speaker":"Unknown","startTime":536.38,"endTime":539.08,"body":"hero, and I think a bit of a"},{"speaker":"Unknown","startTime":536.38,"endTime":539.08,"body":"sort of mutual hero of all of"},{"speaker":"Unknown","startTime":539.08,"endTime":543.48,"body":"us, Mr. Warren Buffett, but so"},{"speaker":"Unknown","startTime":539.08,"endTime":543.48,"body":"he's famous for having his"},{"speaker":"Unknown","startTime":543.9,"endTime":548.34,"body":"Berkshire Hathaway company to"},{"speaker":"Unknown","startTime":543.9,"endTime":548.34,"body":"have outperformed the S and p5"},{"speaker":"Unknown","startTime":548.52,"endTime":553.86,"body":"100 for many, many, many years."},{"speaker":"Unknown","startTime":548.52,"endTime":553.86,"body":"The reality is the data, had he"},{"speaker":"Unknown","startTime":553.86,"endTime":557.82,"body":"not have purchased Apple stock,"},{"speaker":"Unknown","startTime":553.86,"endTime":557.82,"body":"he went fooling on Apple about"},{"speaker":"Unknown","startTime":557.82,"endTime":561.08,"body":"what, four or five years ago, or"},{"speaker":"Unknown","startTime":557.82,"endTime":561.08,"body":"five years ago, had he not have"},{"speaker":"Unknown","startTime":561.08,"endTime":564.68,"body":"done that, he'd have under poor,"},{"speaker":"Unknown","startTime":561.08,"endTime":564.68,"body":"underperformed the SV he bought"},{"speaker":"Unknown","startTime":564.68,"endTime":568.34,"body":"into Apple just before it"},{"speaker":"Unknown","startTime":564.68,"endTime":568.34,"body":"absolutely took off and went"},{"speaker":"Unknown","startTime":568.34,"endTime":571.7,"body":"flying. I like to see that as"},{"speaker":"Unknown","startTime":568.34,"endTime":571.7,"body":"quite interesting, considered to"},{"speaker":"Unknown","startTime":571.7,"endTime":575.12,"body":"be the greatest living investor."},{"speaker":"Unknown","startTime":571.7,"endTime":575.12,"body":"Had he not have done that, you"},{"speaker":"Unknown","startTime":575.12,"endTime":577.76,"body":"might say, well, it was genius,"},{"speaker":"Unknown","startTime":575.12,"endTime":577.76,"body":"but you might say, also, there's"},{"speaker":"Unknown","startTime":578.12,"endTime":580.48,"body":"a bit of luck you'd"},{"speaker":"Unknown","startTime":578.12,"endTime":580.48,"body":"underperformed, and other people"},{"speaker":"Unknown","startTime":580.48,"endTime":583.78,"body":"want to assume they're going to"},{"speaker":"Unknown","startTime":580.48,"endTime":583.78,"body":"beat him that and he himself"},{"speaker":"Unknown","startTime":583.78,"endTime":586.96,"body":"would have had a high chance of"},{"speaker":"Unknown","startTime":583.78,"endTime":586.96,"body":"underperforming, were it not for"},{"speaker":"Unknown","startTime":586.96,"endTime":589.6,"body":"that particular decision that he"},{"speaker":"Unknown","startTime":586.96,"endTime":589.6,"body":"took. Thought I was interesting."},{"speaker":"Unknown","startTime":589.66,"endTime":590.62,"body":"Do you think that was"},{"speaker":"Nick Lincoln","startTime":594.7,"endTime":597.04,"body":"interesting? Nick,"},{"speaker":"Nick Lincoln","startTime":594.7,"endTime":597.04,"body":"it's mobile."},{"speaker":"Carl Widger","startTime":598.179,"endTime":601.379,"body":"Okay. Yeah, no,"},{"speaker":"Carl Widger","startTime":598.179,"endTime":601.379,"body":"yeah, I know. I. No, no, what's"},{"speaker":"Carl Widger","startTime":601.379,"endTime":605.819,"body":"this one? Yeah, I'm next. So"},{"speaker":"Carl Widger","startTime":601.379,"endTime":605.819,"body":"this is about cybersecurity"},{"speaker":"Carl Widger","startTime":605.819,"endTime":612.179,"body":"risk. So don't know if you saw"},{"speaker":"Carl Widger","startTime":605.819,"endTime":612.179,"body":"in the media recently, there was"},{"speaker":"Carl Widger","startTime":612.239,"endTime":616.199,"body":"a big cyber attack on M and S,"},{"speaker":"Carl Widger","startTime":612.239,"endTime":616.199,"body":"and there was a particular"},{"speaker":"Carl Widger","startTime":616.319,"endTime":619.259,"body":"article that I read that was"},{"speaker":"Carl Widger","startTime":616.319,"endTime":619.259,"body":"saying that, you know, it was"},{"speaker":"Carl Widger","startTime":619.259,"endTime":622.639,"body":"carnage in M and S and the staff"},{"speaker":"Carl Widger","startTime":619.259,"endTime":622.639,"body":"were sleeping in the office"},{"speaker":"Carl Widger","startTime":622.639,"endTime":626.119,"body":"overnight, and it was chaos and"},{"speaker":"Carl Widger","startTime":622.639,"endTime":626.119,"body":"all that. And then I read a good"},{"speaker":"Carl Widger","startTime":626.119,"endTime":629.719,"body":"bit more about that stuff, and"},{"speaker":"Carl Widger","startTime":626.119,"endTime":629.719,"body":"actually M and S did have a very"},{"speaker":"Carl Widger","startTime":629.719,"endTime":633.799,"body":"big plan for what they would do"},{"speaker":"Carl Widger","startTime":629.719,"endTime":633.799,"body":"in the cyber attack. But I guess"},{"speaker":"Carl Widger","startTime":633.919,"endTime":639.499,"body":"when it happens, it is going to"},{"speaker":"Carl Widger","startTime":633.919,"endTime":639.499,"body":"create chaos. And I do think for"},{"speaker":"Carl Widger","startTime":639.499,"endTime":642.339,"body":"all of us in the financial"},{"speaker":"Carl Widger","startTime":639.499,"endTime":642.339,"body":"advisory world. I think the"},{"speaker":"Carl Widger","startTime":642.339,"endTime":646.239,"body":"single biggest risk that we all"},{"speaker":"Carl Widger","startTime":642.339,"endTime":646.239,"body":"face now, for me, anyway, 100%"},{"speaker":"Carl Widger","startTime":646.719,"endTime":651.039,"body":"is, you know, a cyber attack."},{"speaker":"Carl Widger","startTime":646.719,"endTime":651.039,"body":"And I'm aware of a few firms"},{"speaker":"Carl Widger","startTime":651.039,"endTime":653.799,"body":"that have suffered this,"},{"speaker":"Carl Widger","startTime":651.039,"endTime":653.799,"body":"unfortunately, and you know,"},{"speaker":"Carl Widger","startTime":653.799,"endTime":657.279,"body":"they're probably trying to keep"},{"speaker":"Carl Widger","startTime":653.799,"endTime":657.279,"body":"it quiet, and rightly so. I get"},{"speaker":"Carl Widger","startTime":657.279,"endTime":663.599,"body":"it, but I think it is, it is our"},{"speaker":"Carl Widger","startTime":657.279,"endTime":663.599,"body":"duty to have as much defense as"},{"speaker":"Carl Widger","startTime":663.599,"endTime":666.959,"body":"we possibly can put in place."},{"speaker":"Carl Widger","startTime":663.599,"endTime":666.959,"body":"Because when I was going down"},{"speaker":"Carl Widger","startTime":666.959,"endTime":669.719,"body":"the rabbit hole and looking at"},{"speaker":"Carl Widger","startTime":666.959,"endTime":669.719,"body":"looking into this stuff, M and"},{"speaker":"Carl Widger","startTime":669.719,"endTime":672.479,"body":"S, albeit that the media were"},{"speaker":"Carl Widger","startTime":669.719,"endTime":672.479,"body":"saying they didn't have a plan,"},{"speaker":"Carl Widger","startTime":672.479,"endTime":677.759,"body":"they did. But there was a famous"},{"speaker":"Carl Widger","startTime":672.479,"endTime":677.759,"body":"story for talk talk in the UK"},{"speaker":"Carl Widger","startTime":677.939,"endTime":682.699,"body":"were hacked back in 2017 so this"},{"speaker":"Carl Widger","startTime":677.939,"endTime":682.699,"body":"is probably very early in the in"},{"speaker":"Carl Widger","startTime":682.699,"endTime":686.479,"body":"the hacking days, and they came"},{"speaker":"Carl Widger","startTime":682.699,"endTime":686.479,"body":"out and they said we had to"},{"speaker":"Carl Widger","startTime":686.479,"endTime":689.959,"body":"bring in the police, and we had"},{"speaker":"Carl Widger","startTime":686.479,"endTime":689.959,"body":"to bring in all these expert"},{"speaker":"Carl Widger","startTime":689.959,"endTime":694.039,"body":"bodies, because this attack was"},{"speaker":"Carl Widger","startTime":689.959,"endTime":694.039,"body":"coming from everywhere. And a"},{"speaker":"Carl Widger","startTime":694.039,"endTime":697.519,"body":"few days later, a 17 year old"},{"speaker":"Carl Widger","startTime":694.039,"endTime":697.519,"body":"from Wales was arrested for this"},{"speaker":"Carl Widger","startTime":697.519,"endTime":702.459,"body":"particular cyber attack. So I"},{"speaker":"Carl Widger","startTime":697.519,"endTime":702.459,"body":"don't think we can all protect"},{"speaker":"Carl Widger","startTime":702.459,"endTime":707.499,"body":"ourselves from every single risk"},{"speaker":"Carl Widger","startTime":702.459,"endTime":707.499,"body":"that's out there, but by God, if"},{"speaker":"Carl Widger","startTime":707.499,"endTime":711.579,"body":"you haven't done your your"},{"speaker":"Carl Widger","startTime":707.499,"endTime":711.579,"body":"penetration tests, you haven't"},{"speaker":"Carl Widger","startTime":711.759,"endTime":719.739,"body":"made sure that you've got as"},{"speaker":"Carl Widger","startTime":711.759,"endTime":719.739,"body":"much defense as you can in"},{"speaker":"Carl Widger","startTime":719.739,"endTime":725.219,"body":"Ireland, that would not be"},{"speaker":"Carl Widger","startTime":719.739,"endTime":725.219,"body":"funny, for Christ's sake."},{"speaker":"Carl Widger","startTime":732.899,"endTime":736.379,"body":"But yeah, I genuinely do think"},{"speaker":"Unknown","startTime":736.38,"endTime":738.36,"body":"it's, it's a massive"},{"speaker":"Unknown","startTime":736.38,"endTime":738.36,"body":"threat. Was"},{"speaker":"Carl Widger","startTime":740.52,"endTime":742.52,"body":"all getting a bit"},{"speaker":"Carl Widger","startTime":740.52,"endTime":742.52,"body":"serious there. Nick, I enjoyed"},{"speaker":"Carl Widger","startTime":742.52,"endTime":742.7,"body":"it."},{"speaker":"Nick Lincoln","startTime":743.72,"endTime":744.44,"body":"Okay, and time for"},{"speaker":"Unknown","startTime":746.36,"endTime":749.0,"body":"cigarette. I'm gonna"},{"speaker":"Unknown","startTime":746.36,"endTime":749.0,"body":"back you up on that. It's the"},{"speaker":"Unknown","startTime":749.42,"endTime":753.2,"body":"one thing that keeps me awake at"},{"speaker":"Unknown","startTime":749.42,"endTime":753.2,"body":"night. We've got some of our"},{"speaker":"Unknown","startTime":753.2,"endTime":758.42,"body":"team here, and we do, I think,"},{"speaker":"Unknown","startTime":753.2,"endTime":758.42,"body":"as much as is humanly possible,"},{"speaker":"Unknown","startTime":758.42,"endTime":762.1,"body":"in terms of penetration tests,"},{"speaker":"Unknown","startTime":758.42,"endTime":762.1,"body":"but, but everything, every level"},{"speaker":"Unknown","startTime":762.1,"endTime":765.7,"body":"of check. I didn't realize this."},{"speaker":"Unknown","startTime":762.1,"endTime":765.7,"body":"First of all, I'm all over the"},{"speaker":"Unknown","startTime":765.7,"endTime":768.64,"body":"dark web, apparently. Do you"},{"speaker":"Unknown","startTime":765.7,"endTime":768.64,"body":"know that you've heard of the"},{"speaker":"Unknown","startTime":768.64,"endTime":771.46,"body":"dark web? I've heard of the dark"},{"speaker":"Unknown","startTime":768.64,"endTime":771.46,"body":"web. Yeah, I live there. I'm all"},{"speaker":"Unknown","startTime":771.46,"endTime":776.2,"body":"over it, apparently. But there"},{"speaker":"Unknown","startTime":771.46,"endTime":776.2,"body":"are, there are constant attacks"},{"speaker":"Unknown","startTime":776.2,"endTime":779.56,"body":"on our server, constantly. 24/7"},{"speaker":"Unknown","startTime":776.2,"endTime":779.56,"body":"all in from Russia, China and"},{"speaker":"Unknown","startTime":779.56,"endTime":781.8,"body":"everyone else, all the time"},{"speaker":"Unknown","startTime":779.56,"endTime":781.8,"body":"that, thank God, we've got all"},{"speaker":"Unknown","startTime":781.8,"endTime":784.44,"body":"these things and protections in"},{"speaker":"Unknown","startTime":781.8,"endTime":784.44,"body":"place, but it is the one thing."},{"speaker":"Unknown","startTime":784.44,"endTime":787.14,"body":"We are the sort of businesses"},{"speaker":"Unknown","startTime":784.44,"endTime":787.14,"body":"which are, by definition, most"},{"speaker":"Unknown","startTime":787.14,"endTime":790.32,"body":"of us, relatively small"},{"speaker":"Unknown","startTime":787.14,"endTime":790.32,"body":"businesses, but we've got data"},{"speaker":"Unknown","startTime":790.32,"endTime":792.72,"body":"to do with bank accounts and"},{"speaker":"Unknown","startTime":790.32,"endTime":792.72,"body":"finance and money. So we're"},{"speaker":"Unknown","startTime":792.72,"endTime":797.64,"body":"quite a, you know, a good target"},{"speaker":"Unknown","startTime":792.72,"endTime":797.64,"body":"for the cyber criminals. So yes,"},{"speaker":"Unknown","startTime":797.64,"endTime":800.54,"body":"group of if people are m s, and"},{"speaker":"Unknown","startTime":797.64,"endTime":800.54,"body":"let's face it, they've they can"},{"speaker":"Unknown","startTime":800.54,"endTime":804.56,"body":"hack into the, you know, the"},{"speaker":"Unknown","startTime":800.54,"endTime":804.56,"body":"White House or the US security"},{"speaker":"Unknown","startTime":804.8,"endTime":807.92,"body":"system, M and S, big companies,"},{"speaker":"Unknown","startTime":804.8,"endTime":807.92,"body":"all vulnerable. So we're all"},{"speaker":"Unknown","startTime":807.92,"endTime":811.82,"body":"exposed. We are we're insured"},{"speaker":"Unknown","startTime":807.92,"endTime":811.82,"body":"for cyber attacks. But whether"},{"speaker":"Unknown","startTime":811.82,"endTime":816.38,"body":"it be enough, I don't know, but"},{"speaker":"Unknown","startTime":811.82,"endTime":816.38,"body":"it's just being serious for a"},{"speaker":"Carl Widger","startTime":817.46,"endTime":819.86,"body":"moment, like, I"},{"speaker":"Carl Widger","startTime":817.46,"endTime":819.86,"body":"mean, even if, like, what would"},{"speaker":"Carl Widger","startTime":819.86,"endTime":824.32,"body":"happen, like M and S couldn't do"},{"speaker":"Carl Widger","startTime":819.86,"endTime":824.32,"body":"trading online for three weeks?"},{"speaker":"Carl Widger","startTime":824.38,"endTime":826.96,"body":"What would happen if your"},{"speaker":"Carl Widger","startTime":824.38,"endTime":826.96,"body":"clients accounts were locked up"},{"speaker":"Carl Widger","startTime":826.96,"endTime":828.34,"body":"for three weeks"},{"speaker":"Nick Lincoln","startTime":828.46,"endTime":832.18,"body":"and they couldn't"},{"speaker":"Nick Lincoln","startTime":828.46,"endTime":832.18,"body":"get access? Yeah, this is, you"},{"speaker":"Unknown","startTime":832.18,"endTime":834.7,"body":"know, you've got the"},{"speaker":"Unknown","startTime":832.18,"endTime":834.7,"body":"reputational damage would be"},{"speaker":"Unknown","startTime":834.7,"endTime":834.94,"body":"huge."},{"speaker":"Nick Lincoln","startTime":835.06,"endTime":838.54,"body":"The biggest risk,"},{"speaker":"Nick Lincoln","startTime":835.06,"endTime":838.54,"body":"yes, the biggest 100% right?"},{"speaker":"Nick Lincoln","startTime":838.6,"endTime":843.06,"body":"Okay, let's bring the mood up,"},{"speaker":"Nick Lincoln","startTime":838.6,"endTime":843.06,"body":"ultra economic crime and"},{"speaker":"Nick Lincoln","startTime":843.06,"endTime":845.7,"body":"corporate transparency. OK, so"},{"speaker":"Nick Lincoln","startTime":843.06,"endTime":845.7,"body":"this is a bit of a thing of mine"},{"speaker":"Nick Lincoln","startTime":845.7,"endTime":849.06,"body":"at the moment. It sounds"},{"speaker":"Nick Lincoln","startTime":845.7,"endTime":849.06,"body":"dreadfully dull, but this is, in"},{"speaker":"Nick Lincoln","startTime":849.06,"endTime":851.46,"body":"effect, a lot of people in this"},{"speaker":"Nick Lincoln","startTime":849.06,"endTime":851.46,"body":"room, everyone in this room."},{"speaker":"Nick Lincoln","startTime":851.58,"endTime":854.28,"body":"It's called the economic crime"},{"speaker":"Nick Lincoln","startTime":851.58,"endTime":854.28,"body":"and corporate Transparency Act"},{"speaker":"Nick Lincoln","startTime":854.28,"endTime":859.56,"body":"2023 sounds very serious. It's"},{"speaker":"Nick Lincoln","startTime":854.28,"endTime":859.56,"body":"been staged in in various sort"},{"speaker":"Nick Lincoln","startTime":859.56,"endTime":863.72,"body":"of time frames. But the big one"},{"speaker":"Nick Lincoln","startTime":859.56,"endTime":863.72,"body":"that's coming in that's part of"},{"speaker":"Nick Lincoln","startTime":863.72,"endTime":866.72,"body":"this is more disclosure by a"},{"speaker":"Nick Lincoln","startTime":863.72,"endTime":866.72,"body":"company's house. At the moment,"},{"speaker":"Nick Lincoln","startTime":866.72,"endTime":871.46,"body":"if you're a small micro business"},{"speaker":"Nick Lincoln","startTime":866.72,"endTime":871.46,"body":"that I am, I just have to submit"},{"speaker":"Nick Lincoln","startTime":871.46,"endTime":874.52,"body":"abbreviated accounts. The new"},{"speaker":"Nick Lincoln","startTime":871.46,"endTime":874.52,"body":"rules coming in. Every single"},{"speaker":"Nick Lincoln","startTime":874.82,"endTime":878.42,"body":"limited company in the whole of"},{"speaker":"Nick Lincoln","startTime":874.82,"endTime":878.42,"body":"the UK needs to submit full PNL,"},{"speaker":"Nick Lincoln","startTime":879.68,"endTime":883.66,"body":"the intended consequences and"},{"speaker":"Nick Lincoln","startTime":879.68,"endTime":883.66,"body":"unintended consequences of this,"},{"speaker":"Nick Lincoln","startTime":883.66,"endTime":886.3,"body":"I think, are going to be huge,"},{"speaker":"Nick Lincoln","startTime":883.66,"endTime":886.3,"body":"just to name a few. I think it's"},{"speaker":"Nick Lincoln","startTime":886.3,"endTime":889.18,"body":"going to play into the hands of"},{"speaker":"Nick Lincoln","startTime":886.3,"endTime":889.18,"body":"big business. It's none of this"},{"speaker":"Nick Lincoln","startTime":889.18,"endTime":891.76,"body":"fake it till you make it big"},{"speaker":"Nick Lincoln","startTime":889.18,"endTime":891.76,"body":"businesses. Just want to, just"},{"speaker":"Nick Lincoln","startTime":891.76,"endTime":894.58,"body":"want to be with big businesses,"},{"speaker":"Nick Lincoln","startTime":891.76,"endTime":894.58,"body":"startups. I think it's anti"},{"speaker":"Nick Lincoln","startTime":894.58,"endTime":898.06,"body":"business, anti entrepreneur,"},{"speaker":"Nick Lincoln","startTime":894.58,"endTime":898.06,"body":"anti start up. You're going to"},{"speaker":"Nick Lincoln","startTime":898.06,"endTime":901.02,"body":"have to make it relevant to you"},{"speaker":"Nick Lincoln","startTime":898.06,"endTime":901.02,"body":"in this room. It. You're gonna"},{"speaker":"Nick Lincoln","startTime":901.02,"endTime":903.96,"body":"have staff members in your room"},{"speaker":"Nick Lincoln","startTime":901.02,"endTime":903.96,"body":"say sorry, in your business,"},{"speaker":"Nick Lincoln","startTime":903.96,"endTime":906.54,"body":"saying you made a load of money"},{"speaker":"Nick Lincoln","startTime":903.96,"endTime":906.54,"body":"last year and you're not giving"},{"speaker":"Nick Lincoln","startTime":906.54,"endTime":909.96,"body":"us pay rises. Yeah, seriously."},{"speaker":"Nick Lincoln","startTime":906.54,"endTime":909.96,"body":"You're gonna have people who are"},{"speaker":"Nick Lincoln","startTime":909.96,"endTime":912.84,"body":"gonna potentially come and work"},{"speaker":"Nick Lincoln","startTime":909.96,"endTime":912.84,"body":"for you, who are gonna say you"},{"speaker":"Nick Lincoln","startTime":912.84,"endTime":915.96,"body":"made no money last year. There's"},{"speaker":"Nick Lincoln","startTime":912.84,"endTime":915.96,"body":"no chance I'm coming here, or"},{"speaker":"Nick Lincoln","startTime":915.96,"endTime":918.36,"body":"whatever, you know, fill in the"},{"speaker":"Nick Lincoln","startTime":915.96,"endTime":918.36,"body":"blanks of where things have the"},{"speaker":"Nick Lincoln","startTime":918.36,"endTime":921.08,"body":"rationale for doing this. It's"},{"speaker":"Nick Lincoln","startTime":918.36,"endTime":921.08,"body":"all about this transfer. The"},{"speaker":"Nick Lincoln","startTime":921.08,"endTime":923.84,"body":"other thing is, Ireland have"},{"speaker":"Nick Lincoln","startTime":921.08,"endTime":923.84,"body":"transparency at this level, but"},{"speaker":"Nick Lincoln","startTime":923.84,"endTime":926.24,"body":"you have to sort of go online"},{"speaker":"Nick Lincoln","startTime":923.84,"endTime":926.24,"body":"and pay. There's a bit more"},{"speaker":"Nick Lincoln","startTime":926.24,"endTime":929.72,"body":"friction. In the UK, there's no"},{"speaker":"Nick Lincoln","startTime":926.24,"endTime":929.72,"body":"friction at all. Companies,"},{"speaker":"Nick Lincoln","startTime":929.72,"endTime":932.42,"body":"house, put the company in,"},{"speaker":"Nick Lincoln","startTime":929.72,"endTime":932.42,"body":"produce it, P and L, straight"},{"speaker":"Nick Lincoln","startTime":932.42,"endTime":934.52,"body":"away. It'd be good if they"},{"speaker":"Nick Lincoln","startTime":932.42,"endTime":934.52,"body":"charge us like two pound"},{"speaker":"Nick Lincoln","startTime":934.52,"endTime":937.28,"body":"nominal. You know, if I go to my"},{"speaker":"Nick Lincoln","startTime":934.52,"endTime":937.28,"body":"local kebab firm, my local kebab"},{"speaker":"Nick Lincoln","startTime":937.28,"endTime":939.38,"body":"shop, I'm not bothered about,"},{"speaker":"Nick Lincoln","startTime":937.28,"endTime":939.38,"body":"I'm going to pay two quid to"},{"speaker":"Nick Lincoln","startTime":939.38,"endTime":941.8,"body":"look at their accounts. But I'm"},{"speaker":"Nick Lincoln","startTime":939.38,"endTime":941.8,"body":"a bit of a nosy bugger, so I"},{"speaker":"Nick Lincoln","startTime":941.8,"endTime":945.46,"body":"might go home and check it out."},{"speaker":"Nick Lincoln","startTime":941.8,"endTime":945.46,"body":"So the transparency for people"},{"speaker":"Nick Lincoln","startTime":945.46,"endTime":949.66,"body":"that are into this stuff as an"},{"speaker":"Nick Lincoln","startTime":945.46,"endTime":949.66,"body":"example, and by"},{"speaker":"Unknown","startTime":949.66,"endTime":952.0,"body":"the way, he does,"},{"speaker":"Unknown","startTime":949.66,"endTime":952.0,"body":"there's very few people in this"},{"speaker":"Unknown","startTime":952.0,"endTime":954.4,"body":"room whose accounts he hasn't"},{"speaker":"Unknown","startTime":952.0,"endTime":954.4,"body":"already looked"},{"speaker":"Nick Lincoln","startTime":954.399,"endTime":957.339,"body":"at. Abbreviated,"},{"speaker":"Nick Lincoln","startTime":954.399,"endTime":957.339,"body":"it's gonna be a field day for"},{"speaker":"Nick Lincoln","startTime":957.339,"endTime":959.439,"body":"me. And then there'll be father"},{"speaker":"Nick Lincoln","startTime":957.339,"endTime":959.439,"body":"in law's mother in law saying,"},{"speaker":"Nick Lincoln","startTime":959.439,"endTime":961.539,"body":"You're not marrying that"},{"speaker":"Nick Lincoln","startTime":959.439,"endTime":961.539,"body":"entrepreneur. They're making no"},{"speaker":"Nick Lincoln","startTime":961.539,"endTime":963.719,"body":"money. Oven for their accounts,"},{"speaker":"Nick Lincoln","startTime":961.539,"endTime":963.719,"body":"the lie. For their accounts for"},{"speaker":"Nick Lincoln","startTime":963.719,"endTime":968.819,"body":"the last six years. Who knows?"},{"speaker":"Nick Lincoln","startTime":963.719,"endTime":968.819,"body":"So good luck with this new"},{"speaker":"Carl Widger","startTime":969.18,"endTime":970.74,"body":"you've really"},{"speaker":"Carl Widger","startTime":969.18,"endTime":970.74,"body":"thought this one through. I have"},{"speaker":"Carl Widger","startTime":970.74,"endTime":971.28,"body":"thought it"},{"speaker":"Nick Lincoln","startTime":972.72,"endTime":975.0,"body":"through. I"},{"speaker":"Nick Lincoln","startTime":972.72,"endTime":975.0,"body":"wouldn't have got married if"},{"speaker":"Nick Lincoln","startTime":975.0,"endTime":977.64,"body":"this act was out when I was"},{"speaker":"Nick Lincoln","startTime":975.0,"endTime":977.64,"body":"there and now I'm successfully"},{"speaker":"Nick Lincoln","startTime":977.64,"endTime":981.62,"body":"divorced. Moving on. Yes. So it"},{"speaker":"Nick Lincoln","startTime":977.64,"endTime":981.62,"body":"is a big change that's coming"},{"speaker":"Nick Lincoln","startTime":981.62,"endTime":985.64,"body":"in, but we've not yet seen the"},{"speaker":"Nick Lincoln","startTime":981.62,"endTime":985.64,"body":"full"},{"speaker":"Unknown","startTime":988.34,"endTime":991.16,"body":"necessarily. Can only"},{"speaker":"Unknown","startTime":988.34,"endTime":991.16,"body":"play it"},{"speaker":"Unknown","startTime":991.16,"endTime":997.88,"body":"once he knows about everything"},{"speaker":"Unknown","startTime":991.16,"endTime":997.88,"body":"his name is."},{"speaker":"Nick Lincoln","startTime":1003.059,"endTime":1005.279,"body":"And so watch out,"},{"speaker":"Nick Lincoln","startTime":1003.059,"endTime":1005.279,"body":"people. Look out for it. Well"},{"speaker":"Nick Lincoln","startTime":1005.279,"endTime":1008.639,"body":"done. Okay, right? I think it's"},{"speaker":"Nick Lincoln","startTime":1005.279,"endTime":1008.639,"body":"me, I'm leading off on that"},{"speaker":"Nick Lincoln","startTime":1008.639,"endTime":1013.019,"body":"really. So trap, we got this"},{"speaker":"Nick Lincoln","startTime":1008.639,"endTime":1013.019,"body":"going on, obviously, we got our"},{"speaker":"Nick Lincoln","startTime":1013.019,"endTime":1016.319,"body":"brand partnerships with Vanguard"},{"speaker":"Nick Lincoln","startTime":1013.019,"endTime":1016.319,"body":"and fundment, and it's becoming"},{"speaker":"Nick Lincoln","startTime":1016.319,"endTime":1019.079,"body":"almost a, what is a serious kind"},{"speaker":"Nick Lincoln","startTime":1016.319,"endTime":1019.079,"body":"of thing. And so we've had to"},{"speaker":"Nick Lincoln","startTime":1019.079,"endTime":1023.599,"body":"open up a bank account. And this"},{"speaker":"Nick Lincoln","startTime":1019.079,"endTime":1023.599,"body":"is a, you know, that story from"},{"speaker":"Nick Lincoln","startTime":1023.599,"endTime":1025.579,"body":"Andy. I think I totally agree"},{"speaker":"Nick Lincoln","startTime":1023.599,"endTime":1025.579,"body":"with what you say, though. I"},{"speaker":"Nick Lincoln","startTime":1025.579,"endTime":1027.979,"body":"don't think this information"},{"speaker":"Nick Lincoln","startTime":1025.579,"endTime":1027.979,"body":"should be in the public domain."},{"speaker":"Nick Lincoln","startTime":1027.979,"endTime":1030.199,"body":"It's gonna cause a lot of"},{"speaker":"Nick Lincoln","startTime":1027.979,"endTime":1030.199,"body":"trouble. Why don't they produce"},{"speaker":"Nick Lincoln","startTime":1030.199,"endTime":1032.599,"body":"everyone's pay slips? Why don't"},{"speaker":"Nick Lincoln","startTime":1030.199,"endTime":1032.599,"body":"they produce all sole trader"},{"speaker":"Nick Lincoln","startTime":1033.559,"endTime":1036.319,"body":"stuff? Sorry to go on about it."},{"speaker":"Nick Lincoln","startTime":1033.559,"endTime":1036.319,"body":"Go Nick full transparency. Yeah."},{"speaker":"Nick Lincoln","startTime":1036.319,"endTime":1039.079,"body":"And I just think there is an"},{"speaker":"Nick Lincoln","startTime":1036.319,"endTime":1039.079,"body":"anti business sentiment in this"},{"speaker":"Nick Lincoln","startTime":1039.079,"endTime":1041.919,"body":"country that is incredibly"},{"speaker":"Nick Lincoln","startTime":1039.079,"endTime":1041.919,"body":"strong. At the moment. We try to"},{"speaker":"Nick Lincoln","startTime":1041.919,"endTime":1044.439,"body":"open up a bank account with"},{"speaker":"Nick Lincoln","startTime":1041.919,"endTime":1044.439,"body":"NatWest. I bank with NatWest"},{"speaker":"Nick Lincoln","startTime":1044.439,"endTime":1048.099,"body":"since August 1987 personally, I"},{"speaker":"Nick Lincoln","startTime":1044.439,"endTime":1048.099,"body":"opened up a business account"},{"speaker":"Nick Lincoln","startTime":1048.099,"endTime":1051.879,"body":"with them. My Business account"},{"speaker":"Nick Lincoln","startTime":1048.099,"endTime":1051.879,"body":"with them in in October 2008 so"},{"speaker":"Nick Lincoln","startTime":1051.879,"endTime":1054.459,"body":"they know me inside. Now, I've"},{"speaker":"Nick Lincoln","startTime":1051.879,"endTime":1054.459,"body":"never asked for an overdraft and"},{"speaker":"Nick Lincoln","startTime":1054.459,"endTime":1057.159,"body":"never gone overdrawn, never"},{"speaker":"Nick Lincoln","startTime":1054.459,"endTime":1057.159,"body":"asked for a loan. Pure milk"},{"speaker":"Nick Lincoln","startTime":1057.159,"endTime":1059.799,"body":"toast, pure vanilla. We're"},{"speaker":"Nick Lincoln","startTime":1057.159,"endTime":1059.799,"body":"trying to set up a trap bank"},{"speaker":"Nick Lincoln","startTime":1059.799,"endTime":1065.099,"body":"account with NatWest since"},{"speaker":"Nick Lincoln","startTime":1059.799,"endTime":1065.099,"body":"December, and it's still going"},{"speaker":"Nick Lincoln","startTime":1065.099,"endTime":1067.199,"body":"through the thing. And we're"},{"speaker":"Nick Lincoln","startTime":1065.099,"endTime":1067.199,"body":"not, we're not looking for"},{"speaker":"Nick Lincoln","startTime":1067.199,"endTime":1069.299,"body":"finance, and we're all, you"},{"speaker":"Nick Lincoln","startTime":1067.199,"endTime":1069.299,"body":"know, we're all regulated"},{"speaker":"Nick Lincoln","startTime":1069.299,"endTime":1071.639,"body":"individuals working for"},{"speaker":"Nick Lincoln","startTime":1069.299,"endTime":1071.639,"body":"regulated bodies. We're all,"},{"speaker":"Nick Lincoln","startTime":1071.639,"endTime":1074.279,"body":"believe it or not, on the"},{"speaker":"Nick Lincoln","startTime":1071.639,"endTime":1074.279,"body":"surface, it's kind of impeccable"},{"speaker":"Nick Lincoln","startTime":1074.279,"endTime":1077.819,"body":"credentials, and it's just"},{"speaker":"Nick Lincoln","startTime":1074.279,"endTime":1077.819,"body":"imagine if you are. You know,"},{"speaker":"Nick Lincoln","startTime":1078.419,"endTime":1081.499,"body":"the friction in this country to"},{"speaker":"Nick Lincoln","startTime":1078.419,"endTime":1081.499,"body":"try and do anything for business"},{"speaker":"Nick Lincoln","startTime":1081.499,"endTime":1084.799,"body":"people. It's so diabolical. The"},{"speaker":"Nick Lincoln","startTime":1081.499,"endTime":1084.799,"body":"lovely pen up is up there. I"},{"speaker":"Nick Lincoln","startTime":1084.799,"endTime":1087.319,"body":"went for a walk with her weekend"},{"speaker":"Nick Lincoln","startTime":1084.799,"endTime":1087.319,"body":"walk with her and two of her"},{"speaker":"Nick Lincoln","startTime":1087.319,"endTime":1090.199,"body":"work colleagues, two other head"},{"speaker":"Nick Lincoln","startTime":1087.319,"endTime":1090.199,"body":"teachers. Great day. At the end"},{"speaker":"Nick Lincoln","startTime":1090.199,"endTime":1092.839,"body":"of the day, this head teacher"},{"speaker":"Nick Lincoln","startTime":1090.199,"endTime":1092.839,"body":"who's retired, we somehow got"},{"speaker":"Nick Lincoln","startTime":1092.839,"endTime":1095.599,"body":"into the subject of Trump, and I"},{"speaker":"Nick Lincoln","startTime":1092.839,"endTime":1095.599,"body":"didn't bring it up, and he was"},{"speaker":"Nick Lincoln","startTime":1095.599,"endTime":1097.999,"body":"scathing of Trump, and he said,"},{"speaker":"Nick Lincoln","startTime":1095.599,"endTime":1097.999,"body":"because he's surrounded by"},{"speaker":"Nick Lincoln","startTime":1097.999,"endTime":1100.279,"body":"businessmen. And I said, Well,"},{"speaker":"Nick Lincoln","startTime":1097.999,"endTime":1100.279,"body":"what's wrong with that? And he"},{"speaker":"Nick Lincoln","startTime":1100.279,"endTime":1102.499,"body":"said, verbatim. And this is a"},{"speaker":"Nick Lincoln","startTime":1100.279,"endTime":1102.499,"body":"guy who's worked for the state"},{"speaker":"Nick Lincoln","startTime":1102.499,"endTime":1106.299,"body":"all his life. His life. He said,"},{"speaker":"Nick Lincoln","startTime":1102.499,"endTime":1106.299,"body":"businessmen are all corrupt. And"},{"speaker":"Nick Lincoln","startTime":1106.299,"endTime":1110.439,"body":"I said, I'm a businessman pal."},{"speaker":"Nick Lincoln","startTime":1106.299,"endTime":1110.439,"body":"And it kind of got a bit frosty."},{"speaker":"Nick Lincoln","startTime":1110.439,"endTime":1114.279,"body":"It got better, but it's just"},{"speaker":"Nick Lincoln","startTime":1110.439,"endTime":1114.279,"body":"kind of endemic of the attitude"},{"speaker":"Nick Lincoln","startTime":1114.279,"endTime":1117.099,"body":"of if you try and make a profit"},{"speaker":"Nick Lincoln","startTime":1114.279,"endTime":1117.099,"body":"in this country, you try and be"},{"speaker":"Nick Lincoln","startTime":1117.099,"endTime":1119.979,"body":"productive, you try and look"},{"speaker":"Nick Lincoln","startTime":1117.099,"endTime":1119.979,"body":"after your family. You're just"},{"speaker":"Nick Lincoln","startTime":1119.979,"endTime":1122.559,"body":"scorned upon at the moment. And"},{"speaker":"Nick Lincoln","startTime":1119.979,"endTime":1122.559,"body":"I don't want to be a rant, but"},{"speaker":"Nick Lincoln","startTime":1122.559,"endTime":1125.219,"body":"I'm just, I I'm just, I are"},{"speaker":"Nick Lincoln","startTime":1122.559,"endTime":1125.219,"body":"people in the room feeling this"},{"speaker":"Nick Lincoln","startTime":1125.219,"endTime":1129.659,"body":"kind of thing as well. Fingers"},{"speaker":"Nick Lincoln","startTime":1125.219,"endTime":1129.659,"body":"are just a general anti commerce"},{"speaker":"Nick Lincoln","startTime":1129.839,"endTime":1132.299,"body":"vibe going in. It's just, and"},{"speaker":"Nick Lincoln","startTime":1129.839,"endTime":1132.299,"body":"it's not good. And we know these"},{"speaker":"Nick Lincoln","startTime":1132.299,"endTime":1134.519,"body":"stories of millionaires, you"},{"speaker":"Nick Lincoln","startTime":1132.299,"endTime":1134.519,"body":"know, leaving the country. Talk"},{"speaker":"Nick Lincoln","startTime":1134.519,"endTime":1138.539,"body":"about that, you know. Yeah."},{"speaker":"Nick Lincoln","startTime":1134.519,"endTime":1138.539,"body":"Anyway, so there we go. It's um,"},{"speaker":"Nick Lincoln","startTime":1138.959,"endTime":1142.459,"body":"yeah, NatWest, so yeah, December"},{"speaker":"Nick Lincoln","startTime":1138.959,"endTime":1142.459,"body":"to now, and they might open the"},{"speaker":"Nick Lincoln","startTime":1142.459,"endTime":1146.779,"body":"account next week, according to"},{"speaker":"Nick Lincoln","startTime":1142.459,"endTime":1146.779,"body":"my latest 45 minute call center"},{"speaker":"Nick Lincoln","startTime":1146.779,"endTime":1151.339,"body":"conversation in Bangladesh,"},{"speaker":"Nick Lincoln","startTime":1146.779,"endTime":1151.339,"body":"right? Watch, oh, one of the,"},{"speaker":"Nick Lincoln","startTime":1151.579,"endTime":1154.759,"body":"one of the upcoming favorites of"},{"speaker":"Nick Lincoln","startTime":1151.579,"endTime":1154.759,"body":"the show, prsa. Call"},{"speaker":"Carl Widger","startTime":1156.02,"endTime":1159.02,"body":"prsa. So they just"},{"speaker":"Carl Widger","startTime":1156.02,"endTime":1159.02,"body":"told me I had to put in a PSA"},{"speaker":"Carl Widger","startTime":1159.02,"endTime":1161.32,"body":"article, because I've been"},{"speaker":"Carl Widger","startTime":1159.02,"endTime":1161.32,"body":"talking about it, apparently,"},{"speaker":"Carl Widger","startTime":1161.32,"endTime":1162.88,"body":"for two years, anyone from"},{"speaker":"Carl Widger","startTime":1161.32,"endTime":1162.88,"body":"Ireland"},{"speaker":"Unknown","startTime":1162.88,"endTime":1166.84,"body":"here? Yes, this is for"},{"speaker":"Unknown","startTime":1162.88,"endTime":1166.84,"body":"you boys, prsa over there. The"},{"speaker":"Unknown","startTime":1166.84,"endTime":1169.84,"body":"rest of us have no idea what"},{"speaker":"Unknown","startTime":1166.84,"endTime":1169.84,"body":"he's talking about. Did"},{"speaker":"Unknown","startTime":1170.02,"endTime":1172.06,"body":"these guys come over from Norway"},{"speaker":"Unknown","startTime":1170.02,"endTime":1172.06,"body":"this morning?"},{"speaker":"Carl Widger","startTime":1174.76,"endTime":1180.6,"body":"Anyway? Yeah. So"},{"speaker":"Carl Widger","startTime":1174.76,"endTime":1180.6,"body":"the last episode I was saying"},{"speaker":"Carl Widger","startTime":1180.6,"endTime":1183.6,"body":"that, you know, there was this"},{"speaker":"Carl Widger","startTime":1180.6,"endTime":1183.6,"body":"thing about, oh, the PSA rules,"},{"speaker":"Carl Widger","startTime":1183.96,"endTime":1187.56,"body":"and whether it's PSA or, but it"},{"speaker":"Carl Widger","startTime":1183.96,"endTime":1187.56,"body":"doesn't really matter, but it's,"},{"speaker":"Carl Widger","startTime":1187.74,"endTime":1192.66,"body":"it's what, what are, what our"},{"speaker":"Carl Widger","startTime":1187.74,"endTime":1192.66,"body":"job is to try and make sure all"},{"speaker":"Carl Widger","startTime":1192.66,"endTime":1196.2,"body":"of our clients are getting the"},{"speaker":"Carl Widger","startTime":1192.66,"endTime":1196.2,"body":"maximum out of the rules that"},{"speaker":"Carl Widger","startTime":1196.2,"endTime":1199.74,"body":"are in front of us. Yeah. So,"},{"speaker":"Carl Widger","startTime":1196.2,"endTime":1199.74,"body":"you know, if you spot something"},{"speaker":"Carl Widger","startTime":1199.74,"endTime":1203.9,"body":"that. Be advantageous to your"},{"speaker":"Carl Widger","startTime":1199.74,"endTime":1203.9,"body":"clients to extract wealth from"},{"speaker":"Carl Widger","startTime":1203.9,"endTime":1206.78,"body":"their businesses in a more tax"},{"speaker":"Carl Widger","startTime":1203.9,"endTime":1206.78,"body":"efficient manner? Well, it's"},{"speaker":"Carl Widger","startTime":1206.78,"endTime":1211.28,"body":"your duty to go and tell them"},{"speaker":"Carl Widger","startTime":1206.78,"endTime":1211.28,"body":"about that. And that's all we"},{"speaker":"Carl Widger","startTime":1211.28,"endTime":1215.84,"body":"were doing. Was availing of"},{"speaker":"Carl Widger","startTime":1211.28,"endTime":1215.84,"body":"those, those peer say, rules."},{"speaker":"Carl Widger","startTime":1216.26,"endTime":1220.42,"body":"And, you know, there's a lot of"},{"speaker":"Carl Widger","startTime":1216.26,"endTime":1220.42,"body":"discourse saying, Oh yeah, you"},{"speaker":"Carl Widger","startTime":1220.42,"endTime":1222.88,"body":"know that was loopholes, and"},{"speaker":"Carl Widger","startTime":1220.42,"endTime":1222.88,"body":"there was, you know, the mega"},{"speaker":"Carl Widger","startTime":1222.88,"endTime":1225.82,"body":"wealthy. But this article came"},{"speaker":"Carl Widger","startTime":1222.88,"endTime":1225.82,"body":"out and basically said, No, it"},{"speaker":"Carl Widger","startTime":1225.82,"endTime":1228.94,"body":"was real business. People"},{"speaker":"Carl Widger","startTime":1225.82,"endTime":1228.94,"body":"actually, who had for years and"},{"speaker":"Carl Widger","startTime":1228.94,"endTime":1231.82,"body":"years and years trying to keep"},{"speaker":"Carl Widger","startTime":1228.94,"endTime":1231.82,"body":"their business afloat, weren't"},{"speaker":"Carl Widger","startTime":1231.82,"endTime":1235.18,"body":"putting money into their pension"},{"speaker":"Carl Widger","startTime":1231.82,"endTime":1235.18,"body":"funds, and now they had this"},{"speaker":"Carl Widger","startTime":1235.18,"endTime":1238.18,"body":"great thing that was available"},{"speaker":"Carl Widger","startTime":1235.18,"endTime":1238.18,"body":"to them. Now, I do hear on the"},{"speaker":"Carl Widger","startTime":1238.18,"endTime":1241.68,"body":"grapevine that they might be"},{"speaker":"Carl Widger","startTime":1238.18,"endTime":1241.68,"body":"changing the rules that over 50s"},{"speaker":"Carl Widger","startTime":1241.68,"endTime":1244.38,"body":"might be able to pay in a little"},{"speaker":"Carl Widger","startTime":1241.68,"endTime":1244.38,"body":"bit more, and then over 60s a"},{"speaker":"Carl Widger","startTime":1244.38,"endTime":1247.44,"body":"little bit more, again, that"},{"speaker":"Carl Widger","startTime":1244.38,"endTime":1247.44,"body":"would be very, very welcome. But"},{"speaker":"Carl Widger","startTime":1247.44,"endTime":1251.34,"body":"I just want to really, you know,"},{"speaker":"Carl Widger","startTime":1247.44,"endTime":1251.34,"body":"quash that rumor that these were"},{"speaker":"Carl Widger","startTime":1251.34,"endTime":1254.52,"body":"loopholes and that, you know,"},{"speaker":"Carl Widger","startTime":1251.34,"endTime":1254.52,"body":"people, the mega wealthy, were"},{"speaker":"Carl Widger","startTime":1254.58,"endTime":1258.72,"body":"taken advantage real business"},{"speaker":"Carl Widger","startTime":1254.58,"endTime":1258.72,"body":"owners, who are the mega"},{"speaker":"Carl Widger","startTime":1258.72,"endTime":1260.9,"body":"employers, whether you're"},{"speaker":"Carl Widger","startTime":1258.72,"endTime":1260.9,"body":"talking about Ireland or the UK,"},{"speaker":"Carl Widger","startTime":1260.9,"endTime":1265.7,"body":"they employ most people. They're"},{"speaker":"Carl Widger","startTime":1260.9,"endTime":1265.7,"body":"the ones who are taking all the"},{"speaker":"Carl Widger","startTime":1265.7,"endTime":1269.6,"body":"risks, and they're the ones who"},{"speaker":"Carl Widger","startTime":1265.7,"endTime":1269.6,"body":"we should be allowing take some"},{"speaker":"Carl Widger","startTime":1269.6,"endTime":1273.86,"body":"advantage and extract some"},{"speaker":"Carl Widger","startTime":1269.6,"endTime":1273.86,"body":"wealth tax efficiently from"},{"speaker":"Carl Widger","startTime":1273.86,"endTime":1275.9,"body":"their companies. Definitely,"},{"speaker":"Carl Widger","startTime":1273.86,"endTime":1275.9,"body":"definitely."},{"speaker":"Nick Lincoln","startTime":1282.44,"endTime":1284.44,"body":"Here I say. Got a"},{"speaker":"Nick Lincoln","startTime":1282.44,"endTime":1284.44,"body":"clap. Very good, very good. I"},{"speaker":"Nick Lincoln","startTime":1284.44,"endTime":1286.9,"body":"was looking for the clap drop on"},{"speaker":"Nick Lincoln","startTime":1284.44,"endTime":1286.9,"body":"it. I've got it. So that's"},{"speaker":"Nick Lincoln","startTime":1286.9,"endTime":1290.5,"body":"excellent. Thank you. Real clap,"},{"speaker":"Nick Lincoln","startTime":1286.9,"endTime":1290.5,"body":"right? Smithy, more good news,"},{"speaker":"Nick Lincoln","startTime":1291.46,"endTime":1291.64,"body":"yeah,"},{"speaker":"Unknown","startTime":1291.64,"endTime":1294.16,"body":"it's a bit doom and"},{"speaker":"Unknown","startTime":1291.64,"endTime":1294.16,"body":"gloom, isn't it? We're just"},{"speaker":"Unknown","startTime":1294.16,"endTime":1297.22,"body":"putting our list together the"},{"speaker":"Unknown","startTime":1294.16,"endTime":1297.22,"body":"other day about this, and I just"},{"speaker":"Unknown","startTime":1297.22,"endTime":1300.72,"body":"thought there's something that"},{"speaker":"Unknown","startTime":1297.22,"endTime":1300.72,"body":"I've commented on publicly, but"},{"speaker":"Unknown","startTime":1300.72,"endTime":1303.6,"body":"just kind of sharing it on the"},{"speaker":"Unknown","startTime":1300.72,"endTime":1303.6,"body":"theme of challenging business"},{"speaker":"Unknown","startTime":1303.6,"endTime":1307.68,"body":"environment. And again, for"},{"speaker":"Unknown","startTime":1303.6,"endTime":1307.68,"body":"clients. Clients of ours, quite"},{"speaker":"Unknown","startTime":1307.68,"endTime":1310.74,"body":"a few of our clients are"},{"speaker":"Unknown","startTime":1307.68,"endTime":1310.74,"body":"business owners, entrepreneurial"},{"speaker":"Unknown","startTime":1310.74,"endTime":1316.2,"body":"people, senior type people. And"},{"speaker":"Unknown","startTime":1310.74,"endTime":1316.2,"body":"we've seen, I'm aware of one"},{"speaker":"Unknown","startTime":1316.74,"endTime":1320.54,"body":"prospective client and one"},{"speaker":"Unknown","startTime":1316.74,"endTime":1320.54,"body":"existing client who have and you"},{"speaker":"Unknown","startTime":1320.54,"endTime":1323.6,"body":"know, they are high earners,"},{"speaker":"Unknown","startTime":1320.54,"endTime":1323.6,"body":"ambitious people, successful"},{"speaker":"Unknown","startTime":1323.6,"endTime":1328.22,"body":"people, pay literally millions"},{"speaker":"Unknown","startTime":1323.6,"endTime":1328.22,"body":"of pounds in tax each year."},{"speaker":"Unknown","startTime":1329.06,"endTime":1331.88,"body":"They've gone, they've upped"},{"speaker":"Unknown","startTime":1329.06,"endTime":1331.88,"body":"sticks, they've left, they've"},{"speaker":"Unknown","startTime":1331.88,"endTime":1334.88,"body":"relocated, they've moved"},{"speaker":"Unknown","startTime":1331.88,"endTime":1334.88,"body":"overseas. There's a lot of"},{"speaker":"Unknown","startTime":1334.88,"endTime":1338.72,"body":"discussion and debate about"},{"speaker":"Unknown","startTime":1334.88,"endTime":1338.72,"body":"this. There is favored"},{"speaker":"Unknown","startTime":1339.26,"endTime":1342.64,"body":"territories that people go to,"},{"speaker":"Unknown","startTime":1339.26,"endTime":1342.64,"body":"apparently, Italy very popular."},{"speaker":"Unknown","startTime":1342.64,"endTime":1345.1,"body":"Do you know that Nick Italy"},{"speaker":"Unknown","startTime":1342.64,"endTime":1345.1,"body":"sounds quite wouldn't mind"},{"speaker":"Unknown","startTime":1345.1,"endTime":1347.74,"body":"living there? It's all right."},{"speaker":"Unknown","startTime":1345.1,"endTime":1347.74,"body":"They've got a quite a favorable"},{"speaker":"Unknown","startTime":1347.74,"endTime":1350.5,"body":"tax regime for wealthy people."},{"speaker":"Unknown","startTime":1347.74,"endTime":1350.5,"body":"It's chaotic. They never"},{"speaker":"Unknown","startTime":1350.5,"endTime":1356.14,"body":"collect. Chaotic. Yeah. But"},{"speaker":"Unknown","startTime":1350.5,"endTime":1356.14,"body":"obviously, UAE is popular in"},{"speaker":"Unknown","startTime":1356.14,"endTime":1360.72,"body":"different parts of the world."},{"speaker":"Unknown","startTime":1356.14,"endTime":1360.72,"body":"But it's just, it's, it's"},{"speaker":"Unknown","startTime":1360.72,"endTime":1363.9,"body":"another example of, you know,"},{"speaker":"Unknown","startTime":1360.72,"endTime":1363.9,"body":"there's, this has been going on"},{"speaker":"Unknown","startTime":1363.9,"endTime":1366.3,"body":"for years. This is not, by the"},{"speaker":"Unknown","startTime":1363.9,"endTime":1366.3,"body":"way, a party political"},{"speaker":"Unknown","startTime":1366.3,"endTime":1368.88,"body":"broadcast, Nick. Nick is a bit"},{"speaker":"Unknown","startTime":1366.3,"endTime":1368.88,"body":"more political than the rest of"},{"speaker":"Unknown","startTime":1368.88,"endTime":1374.88,"body":"us. This is kind of symptomatic"},{"speaker":"Unknown","startTime":1368.88,"endTime":1374.88,"body":"of the last 1020 years so of but"},{"speaker":"Carl Widger","startTime":1375.12,"endTime":1377.94,"body":"is it because the"},{"speaker":"Carl Widger","startTime":1375.12,"endTime":1377.94,"body":"stories I'm hearing in the UK"},{"speaker":"Carl Widger","startTime":1378.24,"endTime":1380.9,"body":"are only in the last 12 months"},{"speaker":"Carl Widger","startTime":1378.24,"endTime":1380.9,"body":"that all these people are"},{"speaker":"Carl Widger","startTime":1380.9,"endTime":1383.18,"body":"leaving. So is this a new"},{"speaker":"Carl Widger","startTime":1380.9,"endTime":1383.18,"body":"phenomenon, or has this been"},{"speaker":"Carl Widger","startTime":1383.18,"endTime":1383.84,"body":"happening over a"},{"speaker":"Nick Lincoln","startTime":1383.839,"endTime":1385.519,"body":"period? I think"},{"speaker":"Nick Lincoln","startTime":1383.839,"endTime":1385.519,"body":"the pressure was building up"},{"speaker":"Nick Lincoln","startTime":1385.519,"endTime":1388.279,"body":"through the 14 years the"},{"speaker":"Nick Lincoln","startTime":1385.519,"endTime":1388.279,"body":"Conservative government. There's"},{"speaker":"Nick Lincoln","startTime":1388.279,"endTime":1391.279,"body":"a change in a non DOM thing."},{"speaker":"Nick Lincoln","startTime":1388.279,"endTime":1391.279,"body":"Just this Labor government just"},{"speaker":"Nick Lincoln","startTime":1391.279,"endTime":1394.279,"body":"creates taxes a little bit more."},{"speaker":"Nick Lincoln","startTime":1391.279,"endTime":1394.279,"body":"It's the straw that breaks the"},{"speaker":"Nick Lincoln","startTime":1394.279,"endTime":1396.739,"body":"camel's back. I think, not just"},{"speaker":"Nick Lincoln","startTime":1394.279,"endTime":1396.739,"body":"tied in with the actual it's the"},{"speaker":"Nick Lincoln","startTime":1396.739,"endTime":1398.599,"body":"general sentiment that's people"},{"speaker":"Nick Lincoln","startTime":1396.739,"endTime":1398.599,"body":"are thinking,"},{"speaker":"Unknown","startTime":1399.8,"endTime":1402.58,"body":"feeling of it. You"},{"speaker":"Unknown","startTime":1399.8,"endTime":1402.58,"body":"know, she's always a tax the"},{"speaker":"Unknown","startTime":1402.7,"endTime":1405.52,"body":"Tories were they, you know, they"},{"speaker":"Unknown","startTime":1402.7,"endTime":1405.52,"body":"raised the taxes the highest"},{"speaker":"Unknown","startTime":1405.52,"endTime":1408.34,"body":"rate in 50 years, or something,"},{"speaker":"Unknown","startTime":1405.52,"endTime":1408.34,"body":"when they were in, when they"},{"speaker":"Unknown","startTime":1408.34,"endTime":1410.86,"body":"Corporation, Second World"},{"speaker":"Unknown","startTime":1408.34,"endTime":1410.86,"body":"corporation tax, and everything"},{"speaker":"Unknown","startTime":1410.86,"endTime":1414.28,"body":"else general does. This seems to"},{"speaker":"Unknown","startTime":1410.86,"endTime":1414.28,"body":"be a kind of, as we say, and it"},{"speaker":"Unknown","startTime":1414.28,"endTime":1416.86,"body":"does distill down to opening a"},{"speaker":"Unknown","startTime":1414.28,"endTime":1416.86,"body":"bank account. Yeah, there's,"},{"speaker":"Unknown","startTime":1416.86,"endTime":1420.04,"body":"there's a kind of, it's a"},{"speaker":"Unknown","startTime":1416.86,"endTime":1420.04,"body":"bureaucratic regime. It's just,"},{"speaker":"Unknown","startTime":1420.04,"endTime":1422.34,"body":"you know, I'm just saying it's"},{"speaker":"Unknown","startTime":1420.04,"endTime":1422.34,"body":"challenging. It's difficult out"},{"speaker":"Unknown","startTime":1422.34,"endTime":1425.04,"body":"there, whatever way you turn,"},{"speaker":"Unknown","startTime":1422.34,"endTime":1425.04,"body":"there are some headwinds. Look,"},{"speaker":"Unknown","startTime":1425.04,"endTime":1427.44,"body":"we all show up every day and"},{"speaker":"Unknown","startTime":1425.04,"endTime":1427.44,"body":"kind of get on with it, don't"},{"speaker":"Unknown","startTime":1427.44,"endTime":1429.72,"body":"we? What else? What other choice"},{"speaker":"Unknown","startTime":1427.44,"endTime":1429.72,"body":"have you got? But when I begin"},{"speaker":"Unknown","startTime":1429.72,"endTime":1432.12,"body":"to see people often talk about"},{"speaker":"Unknown","startTime":1429.72,"endTime":1432.12,"body":"this, but I've never seen it"},{"speaker":"Unknown","startTime":1432.12,"endTime":1434.52,"body":"experience that people"},{"speaker":"Unknown","startTime":1432.12,"endTime":1434.52,"body":"literally, you know, emails from"},{"speaker":"Unknown","startTime":1434.52,"endTime":1438.42,"body":"clients say, just to let you"},{"speaker":"Unknown","startTime":1434.52,"endTime":1438.42,"body":"know we've gone, or we're going"},{"speaker":"Unknown","startTime":1438.72,"endTime":1442.1,"body":"you've not left yet. Alan, so,"},{"speaker":"Unknown","startTime":1438.72,"endTime":1442.1,"body":"yeah, right. Yeah. It's"},{"speaker":"Unknown","startTime":1442.1,"endTime":1444.86,"body":"interesting, though. I mean, we"},{"speaker":"Unknown","startTime":1442.1,"endTime":1444.86,"body":"don't have time sort of"},{"speaker":"Unknown","startTime":1444.98,"endTime":1447.98,"body":"unpacking into the details of,"},{"speaker":"Unknown","startTime":1444.98,"endTime":1447.98,"body":"can you still look after a"},{"speaker":"Unknown","startTime":1447.98,"endTime":1450.2,"body":"client? You know, financial"},{"speaker":"Unknown","startTime":1447.98,"endTime":1450.2,"body":"planning in itself, you know,"},{"speaker":"Unknown","startTime":1450.2,"endTime":1452.84,"body":"cash flow modeling and stuff, I"},{"speaker":"Unknown","startTime":1450.2,"endTime":1452.84,"body":"guess, is unregulated. You can"},{"speaker":"Unknown","startTime":1452.84,"endTime":1456.44,"body":"do that to anyone, wherever they"},{"speaker":"Unknown","startTime":1452.84,"endTime":1456.44,"body":"are, but I guess you can't give"},{"speaker":"Unknown","startTime":1456.56,"endTime":1458.96,"body":"advice to someone if they're"},{"speaker":"Unknown","startTime":1456.56,"endTime":1458.96,"body":"living in Dubai or something"},{"speaker":"Unknown","startTime":1458.96,"endTime":1459.32,"body":"like that."},{"speaker":"Nick Lincoln","startTime":1460.1,"endTime":1465.1,"body":"But no, no,"},{"speaker":"Nick Lincoln","startTime":1460.1,"endTime":1465.1,"body":"because the taxation system is"},{"speaker":"Nick Lincoln","startTime":1465.1,"endTime":1466.0,"body":"totally different."},{"speaker":"Carl Widger","startTime":1467.859,"endTime":1470.199,"body":"If they leave their"},{"speaker":"Carl Widger","startTime":1467.859,"endTime":1470.199,"body":"pensions in the UK, but they"},{"speaker":"Carl Widger","startTime":1470.199,"endTime":1470.619,"body":"move, that's"},{"speaker":"Unknown","startTime":1470.62,"endTime":1472.54,"body":"okay. You can leave"},{"speaker":"Unknown","startTime":1470.62,"endTime":1472.54,"body":"them. You just can't add to"},{"speaker":"Unknown","startTime":1472.54,"endTime":1477.16,"body":"them. Or it's a bit messy. It's"},{"speaker":"Unknown","startTime":1472.54,"endTime":1477.16,"body":"messy, yeah,"},{"speaker":"Unknown","startTime":1477.16,"endTime":1477.94,"body":"it's very messy."},{"speaker":"Nick Lincoln","startTime":1478.12,"endTime":1480.72,"body":"Yeah. Any other"},{"speaker":"Nick Lincoln","startTime":1478.12,"endTime":1480.72,"body":"good news? No, it gets worse."},{"speaker":"Nick Lincoln","startTime":1481.8,"endTime":1485.7,"body":"Sorry. This is a doom script,"},{"speaker":"Nick Lincoln","startTime":1481.8,"endTime":1485.7,"body":"right? This is this idea, this."},{"speaker":"Nick Lincoln","startTime":1485.7,"endTime":1492.0,"body":"And this one really is Looney"},{"speaker":"Nick Lincoln","startTime":1485.7,"endTime":1492.0,"body":"Tunes. So Rachel Reeves and"},{"speaker":"Nick Lincoln","startTime":1492.0,"endTime":1496.38,"body":"she's, yeah, yes, brace, brace"},{"speaker":"Nick Lincoln","startTime":1492.0,"endTime":1496.38,"body":"yourself. Sorry. I hope you got"},{"speaker":"Nick Lincoln","startTime":1496.38,"endTime":1499.26,"body":"a drink inside you. Rachel"},{"speaker":"Nick Lincoln","startTime":1496.38,"endTime":1499.26,"body":"Reeves and she's, this is all"},{"speaker":"Nick Lincoln","startTime":1499.32,"endTime":1501.62,"body":"she's doing here. By the way,"},{"speaker":"Nick Lincoln","startTime":1499.32,"endTime":1501.62,"body":"this is an idea floated by"},{"speaker":"Nick Lincoln","startTime":1501.62,"endTime":1504.68,"body":"Jeremy Hunt, the previous"},{"speaker":"Nick Lincoln","startTime":1501.62,"endTime":1504.68,"body":"Conservative. Can we really"},{"speaker":"Nick Lincoln","startTime":1504.68,"endTime":1509.36,"body":"careful you say Jeremy Hunt"},{"speaker":"Nick Lincoln","startTime":1504.68,"endTime":1509.36,"body":"conservative Chancellor, and"},{"speaker":"Nick Lincoln","startTime":1509.66,"endTime":1513.14,"body":"this plan to get 50 billion. And"},{"speaker":"Nick Lincoln","startTime":1509.66,"endTime":1513.14,"body":"I've read it. I try to get I've"},{"speaker":"Nick Lincoln","startTime":1513.14,"endTime":1516.08,"body":"read it on the Express website,"},{"speaker":"Nick Lincoln","startTime":1513.14,"endTime":1516.08,"body":"which I mean at the Express is"},{"speaker":"Nick Lincoln","startTime":1516.2,"endTime":1521.02,"body":"but the bloody syntax press that"},{"speaker":"Nick Lincoln","startTime":1516.2,"endTime":1521.02,"body":"your no. That was the link. The"},{"speaker":"Nick Lincoln","startTime":1521.02,"endTime":1524.92,"body":"FT is going to pay one I don't"},{"speaker":"Nick Lincoln","startTime":1521.02,"endTime":1524.92,"body":"pay for the ft. So anyways,"},{"speaker":"Nick Lincoln","startTime":1524.92,"endTime":1528.7,"body":"wants to get 50 billion of"},{"speaker":"Nick Lincoln","startTime":1524.92,"endTime":1528.7,"body":"pension funds into private"},{"speaker":"Nick Lincoln","startTime":1528.7,"endTime":1531.94,"body":"equity by the end of this, end"},{"speaker":"Nick Lincoln","startTime":1528.7,"endTime":1531.94,"body":"of this decade. And I just think"},{"speaker":"Nick Lincoln","startTime":1531.94,"endTime":1536.02,"body":"it's just the most the moment a"},{"speaker":"Nick Lincoln","startTime":1531.94,"endTime":1536.02,"body":"government tells institutional"},{"speaker":"Nick Lincoln","startTime":1536.02,"endTime":1539.26,"body":"investors how to invest its"},{"speaker":"Nick Lincoln","startTime":1536.02,"endTime":1539.26,"body":"money. It's the thin end of the"},{"speaker":"Nick Lincoln","startTime":1539.26,"endTime":1542.4,"body":"wedge, and it's voluntary,"},{"speaker":"Nick Lincoln","startTime":1539.26,"endTime":1542.4,"body":"apparently, but this is the"},{"speaker":"Nick Lincoln","startTime":1542.4,"endTime":1544.62,"body":"statement. This is that this is"},{"speaker":"Nick Lincoln","startTime":1542.4,"endTime":1544.62,"body":"where the you know they've got"},{"speaker":"Nick Lincoln","startTime":1544.62,"endTime":1546.66,"body":"you, they've got the gun for the"},{"speaker":"Nick Lincoln","startTime":1544.62,"endTime":1546.66,"body":"back in back your neck. An"},{"speaker":"Nick Lincoln","startTime":1546.66,"endTime":1548.7,"body":"official at the government"},{"speaker":"Nick Lincoln","startTime":1546.66,"endTime":1548.7,"body":"department said, we are"},{"speaker":"Nick Lincoln","startTime":1548.7,"endTime":1551.58,"body":"confident the market is moving"},{"speaker":"Nick Lincoln","startTime":1548.7,"endTime":1551.58,"body":"in the right direction, and we"},{"speaker":"Nick Lincoln","startTime":1551.58,"endTime":1555.3,"body":"won't have to use mandation At"},{"speaker":"Nick Lincoln","startTime":1551.58,"endTime":1555.3,"body":"this stage, but added that it's"},{"speaker":"Nick Lincoln","startTime":1555.3,"endTime":1558.24,"body":"an important backstop, so they"},{"speaker":"Nick Lincoln","startTime":1555.3,"endTime":1558.24,"body":"will use it if these and I know"},{"speaker":"Nick Lincoln","startTime":1558.24,"endTime":1560.46,"body":"Scottish widow said, bugger off."},{"speaker":"Nick Lincoln","startTime":1558.24,"endTime":1560.46,"body":"We're not doing it, but they"},{"speaker":"Nick Lincoln","startTime":1560.46,"endTime":1562.98,"body":"will be compelled to do it. So"},{"speaker":"Nick Lincoln","startTime":1560.46,"endTime":1562.98,"body":"the government's compelled."},{"speaker":"Nick Lincoln","startTime":1562.98,"endTime":1565.7,"body":"Compelling pension funds where"},{"speaker":"Nick Lincoln","startTime":1562.98,"endTime":1565.7,"body":"to invest, and not only that, to"},{"speaker":"Nick Lincoln","startTime":1565.7,"endTime":1569.48,"body":"invest in private equity, which"},{"speaker":"Nick Lincoln","startTime":1565.7,"endTime":1569.48,"body":"is incredibly illiquid, opaque."},{"speaker":"Nick Lincoln","startTime":1569.48,"endTime":1572.48,"body":"The returns actually aren't"},{"speaker":"Nick Lincoln","startTime":1569.48,"endTime":1572.48,"body":"often that great. They want to"},{"speaker":"Nick Lincoln","startTime":1572.48,"endTime":1575.36,"body":"put them into the bloody, you"},{"speaker":"Nick Lincoln","startTime":1572.48,"endTime":1575.36,"body":"know, these green infrastructure"},{"speaker":"Nick Lincoln","startTime":1575.36,"endTime":1577.64,"body":"things. And I think it's an I"},{"speaker":"Nick Lincoln","startTime":1575.36,"endTime":1577.64,"body":"think it's"},{"speaker":"Unknown","startTime":1577.64,"endTime":1580.18,"body":"a bright I mean, open"},{"speaker":"Unknown","startTime":1577.64,"endTime":1580.18,"body":"that up. So to steel man, the"},{"speaker":"Unknown","startTime":1580.18,"endTime":1584.32,"body":"opposite argument, but you get"},{"speaker":"Unknown","startTime":1580.18,"endTime":1584.32,"body":"huge tax breaks. So to get a"},{"speaker":"Unknown","startTime":1584.32,"endTime":1589.12,"body":"huge tax break to invest in"},{"speaker":"Unknown","startTime":1584.32,"endTime":1589.12,"body":"Amazon and Starbucks, who people"},{"speaker":"Unknown","startTime":1589.12,"endTime":1591.64,"body":"who pay no tax in the UK, what"},{"speaker":"Nick Lincoln","startTime":1591.64,"endTime":1594.82,"body":"huge tax break"},{"speaker":"Nick Lincoln","startTime":1591.64,"endTime":1594.82,"body":"pension funds in terms of what"},{"speaker":"Nick Lincoln","startTime":1594.82,"endTime":1595.24,"body":"you don't,"},{"speaker":"Unknown","startTime":1595.24,"endTime":1597.22,"body":"you don't pay tax on"},{"speaker":"Unknown","startTime":1595.24,"endTime":1597.22,"body":"the pension fund as it's"},{"speaker":"Unknown","startTime":1597.22,"endTime":1601.26,"body":"invested, we don't. That's,"},{"speaker":"Unknown","startTime":1597.22,"endTime":1601.26,"body":"that's the, well, that's the"},{"speaker":"Unknown","startTime":1601.62,"endTime":1604.8,"body":"part of the argument which says,"},{"speaker":"Unknown","startTime":1601.62,"endTime":1604.8,"body":"Why should we give significant"},{"speaker":"Unknown","startTime":1604.8,"endTime":1608.94,"body":"tax breaks as a treasury"},{"speaker":"Unknown","startTime":1604.8,"endTime":1608.94,"body":"government for these pension"},{"speaker":"Unknown","startTime":1609.12,"endTime":1612.9,"body":"schemes and structures on the"},{"speaker":"Unknown","startTime":1609.12,"endTime":1612.9,"body":"uplift the UK gets no benefit"},{"speaker":"Unknown","startTime":1612.9,"endTime":1615.72,"body":"from it in terms of internal"},{"speaker":"Unknown","startTime":1612.9,"endTime":1615.72,"body":"investment. So don't you know,"},{"speaker":"Unknown","startTime":1615.72,"endTime":1616.68,"body":"I'm just playing devil."},{"speaker":"Nick Lincoln","startTime":1616.68,"endTime":1618.66,"body":"That's socialist"},{"speaker":"Nick Lincoln","startTime":1616.68,"endTime":1618.66,"body":"mindset. What they're doing is"},{"speaker":"Nick Lincoln","startTime":1618.66,"endTime":1621.02,"body":"giving us back some of the money"},{"speaker":"Nick Lincoln","startTime":1618.66,"endTime":1621.02,"body":"they've already taken in"},{"speaker":"Nick Lincoln","startTime":1621.02,"endTime":1626.96,"body":"taxation. Yes, don't, don't,"},{"speaker":"Nick Lincoln","startTime":1621.02,"endTime":1626.96,"body":"don't, don't. Fuck me up. Not"},{"speaker":"Nick Lincoln","startTime":1626.96,"endTime":1630.38,"body":"you personally. I mean the"},{"speaker":"Nick Lincoln","startTime":1626.96,"endTime":1630.38,"body":"zeitgeist. I mean wrong. The"},{"speaker":"Nick Lincoln","startTime":1630.38,"endTime":1632.72,"body":"devil's in the detail. I'm not"},{"speaker":"Nick Lincoln","startTime":1630.38,"endTime":1632.72,"body":"too opposed to this sort of"},{"speaker":"Nick Lincoln","startTime":1632.72,"endTime":1635.9,"body":"jingoistic approach to, you"},{"speaker":"Nick Lincoln","startTime":1632.72,"endTime":1635.9,"body":"know, allocating capital to the"},{"speaker":"Nick Lincoln","startTime":1635.9,"endTime":1639.44,"body":"home country, but the devil's in"},{"speaker":"Nick Lincoln","startTime":1635.9,"endTime":1639.44,"body":"the detail, at least it's going"},{"speaker":"Nick Lincoln","startTime":1639.5,"endTime":1642.58,"body":"to add to infrastructure"},{"speaker":"Nick Lincoln","startTime":1639.5,"endTime":1642.58,"body":"projects that we need help with."},{"speaker":"Nick Lincoln","startTime":1642.58,"endTime":1647.98,"body":"There's money sitting around the"},{"speaker":"Nick Lincoln","startTime":1642.58,"endTime":1647.98,"body":"table anyway. We'll all go now"},{"speaker":"Nick Lincoln","startTime":1647.98,"endTime":1650.5,"body":"into PE and we'll just think,"},{"speaker":"Nick Lincoln","startTime":1647.98,"endTime":1650.5,"body":"right, we know this money's"},{"speaker":"Nick Lincoln","startTime":1650.5,"endTime":1653.26,"body":"coming to us. We're going to"},{"speaker":"Nick Lincoln","startTime":1650.5,"endTime":1653.26,"body":"bump up our terms. Everything's"},{"speaker":"Nick Lincoln","startTime":1653.26,"endTime":1654.76,"body":"gonna be massively more"},{"speaker":"Nick Lincoln","startTime":1653.26,"endTime":1654.76,"body":"expensive."},{"speaker":"Unknown","startTime":1655.42,"endTime":1658.24,"body":"It'll be a good let's"},{"speaker":"Unknown","startTime":1655.42,"endTime":1658.24,"body":"see how capitalism works."},{"speaker":"Unknown","startTime":1658.3,"endTime":1661.68,"body":"Capital flows to the areas where"},{"speaker":"Unknown","startTime":1658.3,"endTime":1661.68,"body":"the best anticipated future"},{"speaker":"Unknown","startTime":1661.68,"endTime":1664.26,"body":"return is. Clearly, if this is"},{"speaker":"Unknown","startTime":1661.68,"endTime":1664.26,"body":"going to be the best thing since"},{"speaker":"Unknown","startTime":1664.26,"endTime":1666.6,"body":"sliced bread, there already been"},{"speaker":"Unknown","startTime":1664.26,"endTime":1666.6,"body":"investments in them. You"},{"speaker":"Unknown","startTime":1666.6,"endTime":1669.18,"body":"wouldn't need to shoehorn they"},{"speaker":"Unknown","startTime":1666.6,"endTime":1669.18,"body":"might"},{"speaker":"Nick Lincoln","startTime":1669.18,"endTime":1670.62,"body":"even add less."},{"speaker":"Nick Lincoln","startTime":1669.18,"endTime":1670.62,"body":"They might even add more"},{"speaker":"Nick Lincoln","startTime":1670.62,"endTime":1673.08,"body":"incentives. Incentives drives"},{"speaker":"Nick Lincoln","startTime":1670.62,"endTime":1673.08,"body":"behavior. So we will see."},{"speaker":"Carl Widger","startTime":1703.12,"endTime":1705.7,"body":"I'm just very happy"},{"speaker":"Carl Widger","startTime":1703.12,"endTime":1705.7,"body":"that I'm living in a very"},{"speaker":"Carl Widger","startTime":1705.7,"endTime":1706.3,"body":"progressive"},{"speaker":"Unknown","startTime":1711.399,"endTime":1712.739,"body":"prsa corner. And"},{"speaker":"Carl Widger","startTime":1714.3,"endTime":1716.04,"body":"they'll also,"},{"speaker":"Carl Widger","startTime":1714.3,"endTime":1716.04,"body":"they'll also see that I was"},{"speaker":"Carl Widger","startTime":1716.04,"endTime":1716.52,"body":"deeply"},{"speaker":"Unknown","startTime":1717.6,"endTime":1718.3799999999999,"body":"uncomfortable,"},{"speaker":"Carl Widger","startTime":1720.36,"endTime":1724.56,"body":"owing to the Irish"},{"speaker":"Carl Widger","startTime":1720.36,"endTime":1724.56,"body":"versus UK. That's quite topical,"},{"speaker":"Nick Lincoln","startTime":1731.7,"endTime":1733.7,"body":"isn't it, with the"},{"speaker":"Nick Lincoln","startTime":1731.7,"endTime":1733.7,"body":"British and Leinster lines"},{"speaker":"Nick Lincoln","startTime":1733.7,"endTime":1734.42,"body":"announced this week?"},{"speaker":"Carl Widger","startTime":1735.3799999999999,"endTime":1738.08,"body":"Yeah, we can go"},{"speaker":"Carl Widger","startTime":1735.3799999999999,"endTime":1738.08,"body":"there now if you want. Let's"},{"speaker":"Carl Widger","startTime":1738.08,"endTime":1742.34,"body":"stay with the economy."},{"speaker":"Carl Widger","startTime":1738.08,"endTime":1742.34,"body":"Genuinely, it's, it seems to be,"},{"speaker":"Carl Widger","startTime":1742.8799999999999,"endTime":1746.42,"body":"you know, is there is Rachel"},{"speaker":"Carl Widger","startTime":1742.8799999999999,"endTime":1746.42,"body":"Reeves, the Minister for"},{"speaker":"Carl Widger","startTime":1746.48,"endTime":1751.48,"body":"Finance, I don't know. Sorry,"},{"speaker":"Carl Widger","startTime":1746.48,"endTime":1751.48,"body":"like, you know this stuff, the"},{"speaker":"Carl Widger","startTime":1751.48,"endTime":1754.84,"body":"bleeding needs to stop here,"},{"speaker":"Carl Widger","startTime":1751.48,"endTime":1754.84,"body":"doesn't it? And you start, you"},{"speaker":"Carl Widger","startTime":1754.84,"endTime":1758.26,"body":"need to start looking after"},{"speaker":"Carl Widger","startTime":1754.84,"endTime":1758.26,"body":"yourselves, but by you need to"},{"speaker":"Carl Widger","startTime":1758.32,"endTime":1761.68,"body":"generate entrepreneurship. And"},{"speaker":"Carl Widger","startTime":1758.32,"endTime":1761.68,"body":"I'd say in Ireland, we've done a"},{"speaker":"Carl Widger","startTime":1761.74,"endTime":1765.94,"body":"pretty good job at it, and yet"},{"speaker":"Carl Widger","startTime":1761.74,"endTime":1765.94,"body":"we have some very, very"},{"speaker":"Carl Widger","startTime":1765.94,"endTime":1770.22,"body":"attractive tax regimes for"},{"speaker":"Carl Widger","startTime":1765.94,"endTime":1770.22,"body":"multinationals to come over. And"},{"speaker":"Carl Widger","startTime":1770.22,"endTime":1773.1,"body":"we played by the rules, and we"},{"speaker":"Carl Widger","startTime":1770.22,"endTime":1773.1,"body":"won. And it is a very"},{"speaker":"Carl Widger","startTime":1773.1,"endTime":1777.3,"body":"progressive economy, and we are"},{"speaker":"Carl Widger","startTime":1773.1,"endTime":1777.3,"body":"going reasonably well. We you"},{"speaker":"Carl Widger","startTime":1777.3,"endTime":1779.8799999999999,"body":"mentioned earlier on about, you"},{"speaker":"Carl Widger","startTime":1777.3,"endTime":1779.8799999999999,"body":"know, wealth tax and all that"},{"speaker":"Carl Widger","startTime":1779.8799999999999,"endTime":1782.46,"body":"kind of stuff. We dodged a"},{"speaker":"Carl Widger","startTime":1779.8799999999999,"endTime":1782.46,"body":"bullet. We nearly voted in a"},{"speaker":"Carl Widger","startTime":1782.46,"endTime":1785.82,"body":"party who were talking about"},{"speaker":"Carl Widger","startTime":1782.46,"endTime":1785.82,"body":"that. Thankfully, we didn't vote"},{"speaker":"Carl Widger","startTime":1785.82,"endTime":1789.54,"body":"them in. And, yeah, all I'd say"},{"speaker":"Carl Widger","startTime":1785.82,"endTime":1789.54,"body":"is, anybody thinking about"},{"speaker":"Carl Widger","startTime":1789.54,"endTime":1792.44,"body":"moving to Ireland, we're hiring,"},{"speaker":"Carl Widger","startTime":1789.54,"endTime":1792.44,"body":"so come and talk to us."},{"speaker":"Nick Lincoln","startTime":1793.58,"endTime":1795.5,"body":"You still got a"},{"speaker":"Nick Lincoln","startTime":1793.58,"endTime":1795.5,"body":"job. Don't worry. Smooth,"},{"speaker":"Nick Lincoln","startTime":1795.5,"endTime":1797.78,"body":"smooth, sick. Well, we'll stick"},{"speaker":"Nick Lincoln","startTime":1795.5,"endTime":1797.78,"body":"on that, because we're sticking"},{"speaker":"Nick Lincoln","startTime":1797.78,"endTime":1800.42,"body":"in the Irish neck of the woods"},{"speaker":"Nick Lincoln","startTime":1797.78,"endTime":1800.42,"body":"with significant news on"},{"speaker":"Nick Lincoln","startTime":1800.6599999999999,"endTime":1801.74,"body":"consolidation. Yeah."},{"speaker":"Carl Widger","startTime":1801.74,"endTime":1805.34,"body":"So we, you know,"},{"speaker":"Carl Widger","startTime":1801.74,"endTime":1805.34,"body":"we'd be watching from Ireland to"},{"speaker":"Carl Widger","startTime":1805.34,"endTime":1808.34,"body":"the UK market about, you know,"},{"speaker":"Carl Widger","startTime":1805.34,"endTime":1808.34,"body":"the financial advisors and the"},{"speaker":"Carl Widger","startTime":1808.34,"endTime":1812.86,"body":"consolidators, and it's PE and"},{"speaker":"Carl Widger","startTime":1808.34,"endTime":1812.86,"body":"it's, you know, it's other"},{"speaker":"Carl Widger","startTime":1812.86,"endTime":1816.34,"body":"firms, you know, bringing,"},{"speaker":"Carl Widger","startTime":1812.86,"endTime":1816.34,"body":"bringing vast amounts of firms"},{"speaker":"Carl Widger","startTime":1816.34,"endTime":1820.12,"body":"together and gathering assets"},{"speaker":"Carl Widger","startTime":1816.34,"endTime":1820.12,"body":"under management and maybe, or"},{"speaker":"Carl Widger","startTime":1820.12,"endTime":1823.06,"body":"maybe not, looking after the"},{"speaker":"Carl Widger","startTime":1820.12,"endTime":1823.06,"body":"clients. But there hasn't been"},{"speaker":"Carl Widger","startTime":1823.06,"endTime":1826.12,"body":"that much, actually, in Ireland."},{"speaker":"Carl Widger","startTime":1823.06,"endTime":1826.12,"body":"So there was big news in the"},{"speaker":"Carl Widger","startTime":1826.12,"endTime":1829.96,"body":"last week or so that a firm"},{"speaker":"Carl Widger","startTime":1826.12,"endTime":1829.96,"body":"called Gillen markets was."},{"speaker":"Carl Widger","startTime":1830.04,"endTime":1836.76,"body":"Bought by quilter chevius. Was"},{"speaker":"Carl Widger","startTime":1830.04,"endTime":1836.76,"body":"that the Yeah, which is really"},{"speaker":"Carl Widger","startTime":1836.76,"endTime":1839.94,"body":"big news, because there's a guy"},{"speaker":"Carl Widger","startTime":1836.76,"endTime":1839.94,"body":"called Rory Gillen set this"},{"speaker":"Carl Widger","startTime":1839.94,"endTime":1842.8799999999999,"body":"business up. He's about 600"},{"speaker":"Carl Widger","startTime":1839.94,"endTime":1842.8799999999999,"body":"million under under management."},{"speaker":"Carl Widger","startTime":1842.8799999999999,"endTime":1844.92,"body":"There's all in the newspaper, by"},{"speaker":"Carl Widger","startTime":1842.8799999999999,"endTime":1844.92,"body":"the way. So I'm not saying"},{"speaker":"Carl Widger","startTime":1844.92,"endTime":1847.44,"body":"anything that I shouldn't be"},{"speaker":"Carl Widger","startTime":1844.92,"endTime":1847.44,"body":"saying, but, but, but, Rory was"},{"speaker":"Carl Widger","startTime":1847.44,"endTime":1851.72,"body":"definitely the pioneer in"},{"speaker":"Carl Widger","startTime":1847.44,"endTime":1851.72,"body":"Ireland to bring his business"},{"speaker":"Carl Widger","startTime":1851.72,"endTime":1856.04,"body":"and put Gillen markets on a"},{"speaker":"Carl Widger","startTime":1851.72,"endTime":1856.04,"body":"platform only. So you might all"},{"speaker":"Carl Widger","startTime":1856.04,"endTime":1859.1,"body":"think that this is dinosaur"},{"speaker":"Carl Widger","startTime":1856.04,"endTime":1859.1,"body":"stuff, but the vast majority of"},{"speaker":"Carl Widger","startTime":1859.1599999999999,"endTime":1862.58,"body":"business in Ireland is still"},{"speaker":"Carl Widger","startTime":1859.1599999999999,"endTime":1862.58,"body":"done via insurance companies and"},{"speaker":"Carl Widger","startTime":1862.58,"endTime":1868.04,"body":"actually not on platforms. So"},{"speaker":"Carl Widger","startTime":1862.58,"endTime":1868.04,"body":"it's really encouraging. It's"},{"speaker":"Carl Widger","startTime":1868.04,"endTime":1872.86,"body":"really encouraging to see a deal"},{"speaker":"Carl Widger","startTime":1868.04,"endTime":1872.86,"body":"like this been done, and I"},{"speaker":"Carl Widger","startTime":1872.86,"endTime":1876.28,"body":"suppose somebody who had the"},{"speaker":"Carl Widger","startTime":1872.86,"endTime":1876.28,"body":"foresight like, if you're"},{"speaker":"Carl Widger","startTime":1876.28,"endTime":1880.78,"body":"putting business 15 years ago on"},{"speaker":"Carl Widger","startTime":1876.28,"endTime":1880.78,"body":"a platform and foregoing high"},{"speaker":"Carl Widger","startTime":1880.78,"endTime":1884.3799999999999,"body":"commissions that everyone else"},{"speaker":"Carl Widger","startTime":1880.78,"endTime":1884.3799999999999,"body":"is going for, you deserve"},{"speaker":"Carl Widger","startTime":1884.3799999999999,"endTime":1887.56,"body":"everything you get. Rory Gillen,"},{"speaker":"Carl Widger","startTime":1884.3799999999999,"endTime":1887.56,"body":"I applaud you, my friend. Very"},{"speaker":"Carl Widger","startTime":1887.56,"endTime":1890.1599999999999,"body":"good. Very good. You. Yeah,"},{"speaker":"Unknown","startTime":1893.22,"endTime":1897.54,"body":"okay, so Well, leading"},{"speaker":"Unknown","startTime":1893.22,"endTime":1897.54,"body":"on from that, yeah, I just saw,"},{"speaker":"Unknown","startTime":1897.54,"endTime":1901.74,"body":"I think you're talking about the"},{"speaker":"Unknown","startTime":1897.54,"endTime":1901.74,"body":"island market, Irish market, the"},{"speaker":"Unknown","startTime":1901.8,"endTime":1905.28,"body":"UK market. I just saw this. You"},{"speaker":"Unknown","startTime":1901.8,"endTime":1905.28,"body":"might see this. It was a new"},{"speaker":"Unknown","startTime":1905.28,"endTime":1907.92,"body":"model advisor. I think this"},{"speaker":"Unknown","startTime":1905.28,"endTime":1907.92,"body":"week, last week, recently,"},{"speaker":"Unknown","startTime":1908.52,"endTime":1911.84,"body":"really interesting statistic,"},{"speaker":"Unknown","startTime":1908.52,"endTime":1911.84,"body":"looking at there are"},{"speaker":"Unknown","startTime":1911.84,"endTime":1918.56,"body":"approximately 30,000 regulated"},{"speaker":"Unknown","startTime":1911.84,"endTime":1918.56,"body":"advisors in the UK, and 10,000"},{"speaker":"Unknown","startTime":1919.1,"endTime":1925.6399999999999,"body":"of them third work for private"},{"speaker":"Unknown","startTime":1919.1,"endTime":1925.6399999999999,"body":"equity backed companies, so a"},{"speaker":"Unknown","startTime":1925.6399999999999,"endTime":1928.34,"body":"third of the market. I mean,"},{"speaker":"Unknown","startTime":1925.6399999999999,"endTime":1928.34,"body":"Rob's probably done half the"},{"speaker":"Unknown","startTime":1928.34,"endTime":1934.42,"body":"deals too. Rob Stevenson, those"},{"speaker":"Unknown","startTime":1928.34,"endTime":1934.42,"body":"who don't know, I mean, I think,"},{"speaker":"Unknown","startTime":1934.42,"endTime":1936.46,"body":"I mean, that's, that's"},{"speaker":"Unknown","startTime":1934.42,"endTime":1936.46,"body":"interesting itself. So a third"},{"speaker":"Unknown","startTime":1936.46,"endTime":1939.6399999999999,"body":"of the market, probably quite a"},{"speaker":"Unknown","startTime":1936.46,"endTime":1939.6399999999999,"body":"few of you in here work for"},{"speaker":"Unknown","startTime":1939.6399999999999,"endTime":1943.6,"body":"organizations that have got, you"},{"speaker":"Unknown","startTime":1939.6399999999999,"endTime":1943.6,"body":"know, external ownership people"},{"speaker":"Unknown","startTime":1943.6,"endTime":1946.12,"body":"have come into the like private"},{"speaker":"Unknown","startTime":1943.6,"endTime":1946.12,"body":"equity is around the world, or"},{"speaker":"Unknown","startTime":1946.12,"endTime":1948.46,"body":"in every industry in every"},{"speaker":"Unknown","startTime":1946.12,"endTime":1948.46,"body":"sector of the world, and got a"},{"speaker":"Unknown","startTime":1948.46,"endTime":1952.26,"body":"lot of appetite. It was seen for"},{"speaker":"Unknown","startTime":1948.46,"endTime":1952.26,"body":"financial services, financial"},{"speaker":"Unknown","startTime":1952.26,"endTime":1954.96,"body":"planning, wealth management in"},{"speaker":"Unknown","startTime":1952.26,"endTime":1954.96,"body":"general, is a lot of there are a"},{"speaker":"Unknown","startTime":1954.96,"endTime":1958.2,"body":"lot of attractions to it, sticky"},{"speaker":"Unknown","startTime":1954.96,"endTime":1958.2,"body":"revenue, profitable firms,"},{"speaker":"Unknown","startTime":1958.44,"endTime":1963.48,"body":"mostly, and most of us probably"},{"speaker":"Unknown","startTime":1958.44,"endTime":1963.48,"body":"could be improved in terms of"},{"speaker":"Unknown","startTime":1963.48,"endTime":1966.48,"body":"our systems, processes and"},{"speaker":"Unknown","startTime":1963.48,"endTime":1966.48,"body":"operational structure. But it"},{"speaker":"Unknown","startTime":1966.48,"endTime":1969.06,"body":"just leads to a few other sort"},{"speaker":"Unknown","startTime":1966.48,"endTime":1969.06,"body":"of thoughts and questions. And"},{"speaker":"Unknown","startTime":1969.06,"endTime":1971.96,"body":"so for third of the market,"},{"speaker":"Unknown","startTime":1969.06,"endTime":1971.96,"body":"third of advisors work for P"},{"speaker":"Unknown","startTime":1971.96,"endTime":1976.58,"body":"back companies. And in separate"},{"speaker":"Unknown","startTime":1971.96,"endTime":1976.58,"body":"to that, about what 20% your"},{"speaker":"Unknown","startTime":1976.58,"endTime":1979.1599999999999,"body":"friends, few them in here, have"},{"speaker":"Unknown","startTime":1976.58,"endTime":1979.1599999999999,"body":"no doubt, St James's place,"},{"speaker":"Unknown","startTime":1979.1599999999999,"endTime":1980.3,"body":"about 20% of the"},{"speaker":"Unknown","startTime":1984.8,"endTime":1986.48,"body":"market. Seamless, seamless,"},{"speaker":"Unknown","startTime":1984.8,"endTime":1986.48,"body":"seamless."},{"speaker":"Unknown","startTime":1986.54,"endTime":1990.32,"body":"This was not rehearsed, but"},{"speaker":"Unknown","startTime":1986.54,"endTime":1990.32,"body":"right so, but SGP like 20% of"},{"speaker":"Unknown","startTime":1990.32,"endTime":1990.58,"body":"the market, on the"},{"speaker":"Unknown","startTime":1991.96,"endTime":1992.92,"body":"1000 partners, yeah?"},{"speaker":"Unknown","startTime":1994.3,"endTime":1998.26,"body":"Or maybe not, yeah, so 7% or"},{"speaker":"Unknown","startTime":1994.3,"endTime":1998.26,"body":"something. There's no maths"},{"speaker":"Unknown","startTime":1998.26,"endTime":1999.58,"body":"on stage, but"},{"speaker":"Unknown","startTime":2001.68,"endTime":2002.52,"body":"so"},{"speaker":"Carl Widger","startTime":2003.899,"endTime":2007.319,"body":"SJP aren't done by"},{"speaker":"Carl Widger","startTime":2003.899,"endTime":2007.319,"body":"PE or they No, no, but so,"},{"speaker":"Unknown","startTime":2008.399,"endTime":2013.399,"body":"but you got a big chunk"},{"speaker":"Unknown","startTime":2008.399,"endTime":2013.399,"body":"of the market. Effectively, it's"},{"speaker":"Unknown","startTime":2013.399,"endTime":2016.819,"body":"the choice. It's restricted"},{"speaker":"Unknown","startTime":2013.399,"endTime":2016.819,"body":"advice. Another very significant"},{"speaker":"Unknown","startTime":2016.819,"endTime":2020.059,"body":"part of the market are PE"},{"speaker":"Unknown","startTime":2016.819,"endTime":2020.059,"body":"backed. What I've seen, in my"},{"speaker":"Unknown","startTime":2020.059,"endTime":2022.219,"body":"observation, is a lot of the PE"},{"speaker":"Unknown","startTime":2020.059,"endTime":2022.219,"body":"backed companies, the whole"},{"speaker":"Unknown","startTime":2022.219,"endTime":2024.619,"body":"point of peace is kind of"},{"speaker":"Unknown","startTime":2022.219,"endTime":2024.619,"body":"streamline operations, so you"},{"speaker":"Unknown","startTime":2024.619,"endTime":2027.079,"body":"can get a little bit kind of"},{"speaker":"Unknown","startTime":2024.619,"endTime":2027.079,"body":"cookie cutter advice. Everyone"},{"speaker":"Unknown","startTime":2027.079,"endTime":2029.239,"body":"has to go to in house"},{"speaker":"Unknown","startTime":2027.079,"endTime":2029.239,"body":"portfolios. Everything gets"},{"speaker":"Unknown","startTime":2029.239,"endTime":2032.979,"body":"quite similar. Nothing wrong"},{"speaker":"Unknown","startTime":2029.239,"endTime":2032.979,"body":"with that, really. They get more"},{"speaker":"Unknown","startTime":2033.039,"endTime":2035.619,"body":"streamlined, Operation"},{"speaker":"Unknown","startTime":2033.039,"endTime":2035.619,"body":"efficient, more profitable. But"},{"speaker":"Unknown","startTime":2035.619,"endTime":2038.6789999999999,"body":"it's just an interesting dynamic"},{"speaker":"Unknown","startTime":2035.619,"endTime":2038.6789999999999,"body":"that we're observing, I think,"},{"speaker":"Unknown","startTime":2038.799,"endTime":2039.819,"body":"and it will, right now,"},{"speaker":"Unknown","startTime":2039.82,"endTime":2043.0,"body":"to increase on the PE side, I"},{"speaker":"Unknown","startTime":2039.82,"endTime":2043.0,"body":"believe, if we're following"},{"speaker":"Unknown","startTime":2043.0,"endTime":2043.36,"body":"where,"},{"speaker":"Unknown","startTime":2044.62,"endTime":2046.0,"body":"but from the other side."},{"speaker":"Nick Lincoln","startTime":2048.04,"endTime":2049.6,"body":"Sorry, that was an"},{"speaker":"Nick Lincoln","startTime":2048.04,"endTime":2049.6,"body":"accidental truth,"},{"speaker":"Carl Widger","startTime":2050.02,"endTime":2053.88,"body":"because I'm going"},{"speaker":"Carl Widger","startTime":2050.02,"endTime":2053.88,"body":"to talk looking in a lot of the,"},{"speaker":"Carl Widger","startTime":2054.0,"endTime":2058.2000000000003,"body":"a lot of the PE, consolidation"},{"speaker":"Carl Widger","startTime":2054.0,"endTime":2058.2000000000003,"body":"happened a few years ago. So"},{"speaker":"Carl Widger","startTime":2058.38,"endTime":2062.52,"body":"those people need to do another"},{"speaker":"Carl Widger","startTime":2058.38,"endTime":2062.52,"body":"transaction, clearly, in the in"},{"speaker":"Carl Widger","startTime":2062.52,"endTime":2066.42,"body":"the foreseeable future, and so,"},{"speaker":"Carl Widger","startTime":2062.52,"endTime":2066.42,"body":"so you will see, there's,"},{"speaker":"Carl Widger","startTime":2066.42,"endTime":2069.3,"body":"there's probably going to be a"},{"speaker":"Carl Widger","startTime":2066.42,"endTime":2069.3,"body":"lot of firms changing hands"},{"speaker":"Carl Widger","startTime":2069.3,"endTime":2073.2200000000003,"body":"again, number 1p. And the second"},{"speaker":"Carl Widger","startTime":2069.3,"endTime":2073.2200000000003,"body":"thing I would say is not all PE"},{"speaker":"Carl Widger","startTime":2073.76,"endTime":2078.86,"body":"is bad, right? So there's this,"},{"speaker":"Carl Widger","startTime":2073.76,"endTime":2078.86,"body":"you know, there's, there's a lot"},{"speaker":"Carl Widger","startTime":2078.86,"endTime":2083.9,"body":"of firms now owned, are partly"},{"speaker":"Carl Widger","startTime":2078.86,"endTime":2083.9,"body":"owned by P, by P, and the"},{"speaker":"Carl Widger","startTime":2083.9,"endTime":2086.72,"body":"experiences from some firms is"},{"speaker":"Carl Widger","startTime":2083.9,"endTime":2086.72,"body":"that it actually made them"},{"speaker":"Carl Widger","startTime":2086.72,"endTime":2090.2799999999997,"body":"better, you know, really? So"},{"speaker":"Carl Widger","startTime":2086.72,"endTime":2090.2799999999997,"body":"therefore the firm got better,"},{"speaker":"Carl Widger","startTime":2090.34,"endTime":2093.34,"body":"and the clients got better"},{"speaker":"Carl Widger","startTime":2090.34,"endTime":2093.34,"body":"outcomes. So I think Carl just"},{"speaker":"Carl Widger","startTime":2093.34,"endTime":2093.82,"body":"keeping his"},{"speaker":"Unknown","startTime":2093.819,"endTime":2096.639,"body":"options open here, just"},{"speaker":"Unknown","startTime":2093.819,"endTime":2096.639,"body":"in case."},{"speaker":"Unknown","startTime":2096.999,"endTime":2098.259,"body":"Yeah, no, I just,"},{"speaker":"Carl Widger","startTime":2098.2599999999998,"endTime":2101.2599999999998,"body":"I'm really like, we"},{"speaker":"Carl Widger","startTime":2098.2599999999998,"endTime":2101.2599999999998,"body":"haven't experienced it, so it's"},{"speaker":"Unknown","startTime":2101.2599999999998,"endTime":2107.62,"body":"great, Lucky. Yeah,"},{"speaker":"Unknown","startTime":2101.2599999999998,"endTime":2107.62,"body":"bring your checkbook."},{"speaker":"Carl Widger","startTime":2108.639,"endTime":2110.999,"body":"No, I just think"},{"speaker":"Carl Widger","startTime":2108.639,"endTime":2110.999,"body":"it's an interesting space, but"},{"speaker":"Carl Widger","startTime":2110.999,"endTime":2111.299,"body":"we meet"},{"speaker":"Unknown","startTime":2111.3,"endTime":2113.88,"body":"listed by the four of"},{"speaker":"Unknown","startTime":2111.3,"endTime":2113.88,"body":"us are becoming increasingly"},{"speaker":"Unknown","startTime":2113.88,"endTime":2118.44,"body":"rare in that, you know, thank"},{"speaker":"Unknown","startTime":2113.88,"endTime":2118.44,"body":"God, yeah, independent, you"},{"speaker":"Unknown","startTime":2118.44,"endTime":2122.34,"body":"know, regulatory status,"},{"speaker":"Unknown","startTime":2118.44,"endTime":2122.34,"body":"independent ownership. Yes,"},{"speaker":"Unknown","startTime":2122.34,"endTime":2125.4,"body":"small DA is independent. They"},{"speaker":"Unknown","startTime":2122.34,"endTime":2125.4,"body":"don't want small there's"},{"speaker":"Unknown","startTime":2125.4,"endTime":2126.3,"body":"probably something"},{"speaker":"Carl Widger","startTime":2126.3,"endTime":2128.7,"body":"to do with that. We"},{"speaker":"Carl Widger","startTime":2126.3,"endTime":2128.7,"body":"go on a podcast every two weeks."},{"speaker":"Carl Widger","startTime":2128.7,"endTime":2129.24,"body":"They go, no one,"},{"speaker":"Unknown","startTime":2129.3,"endTime":2132.74,"body":"no one buys. Don't be"},{"speaker":"Unknown","startTime":2129.3,"endTime":2132.74,"body":"near us. There's not enough"},{"speaker":"Nick Lincoln","startTime":2132.74,"endTime":2135.44,"body":"money in the"},{"speaker":"Nick Lincoln","startTime":2132.74,"endTime":2135.44,"body":"world. Okay, good point, right?"},{"speaker":"Nick Lincoln","startTime":2135.44,"endTime":2139.04,"body":"What's the next thing? Ultra"},{"speaker":"Nick Lincoln","startTime":2135.44,"endTime":2139.04,"body":"Yes, this is another St James's"},{"speaker":"Nick Lincoln","startTime":2139.04,"endTime":2143.7799999999997,"body":"place story. Not a very good"},{"speaker":"Nick Lincoln","startTime":2139.04,"endTime":2143.7799999999997,"body":"one. The complaints data from"},{"speaker":"Nick Lincoln","startTime":2143.7799999999997,"endTime":2148.2799999999997,"body":"the FOS FOS came out recently,"},{"speaker":"Nick Lincoln","startTime":2143.7799999999997,"endTime":2148.2799999999997,"body":"and there's the article, surge"},{"speaker":"Nick Lincoln","startTime":2148.2799999999997,"endTime":2152.38,"body":"in complaints in the second half"},{"speaker":"Nick Lincoln","startTime":2148.2799999999997,"endTime":2152.38,"body":"of 24 in the first half of 2024"},{"speaker":"Nick Lincoln","startTime":2153.04,"endTime":2157.24,"body":"they had 485 claims in"},{"speaker":"Nick Lincoln","startTime":2153.04,"endTime":2157.24,"body":"submission to FOS. In the second"},{"speaker":"Nick Lincoln","startTime":2203.3199999999997,"endTime":2208.42,"body":"half of 2024 they had 1653 so an"},{"speaker":"Nick Lincoln","startTime":2203.3199999999997,"endTime":2208.42,"body":"increase three at three and a"},{"speaker":"Nick Lincoln","startTime":2208.42,"endTime":2211.18,"body":"bit, times. But I don't think"},{"speaker":"Nick Lincoln","startTime":2208.42,"endTime":2211.18,"body":"this is an SJP isolated"},{"speaker":"Nick Lincoln","startTime":2211.18,"endTime":2214.48,"body":"incident. Obviously, they are"},{"speaker":"Nick Lincoln","startTime":2211.18,"endTime":2214.48,"body":"focusing on them, and there's a"},{"speaker":"Nick Lincoln","startTime":2214.48,"endTime":2217.48,"body":"claims management company that's"},{"speaker":"Nick Lincoln","startTime":2214.48,"endTime":2217.48,"body":"quite aggressive in going after"},{"speaker":"Nick Lincoln","startTime":2217.48,"endTime":2221.16,"body":"them, but I think it's a wider"},{"speaker":"Nick Lincoln","startTime":2217.48,"endTime":2221.16,"body":"issue in the mighty profession,"},{"speaker":"Nick Lincoln","startTime":2221.7599999999998,"endTime":2225.3599999999997,"body":"they had the review of the"},{"speaker":"Nick Lincoln","startTime":2221.7599999999998,"endTime":2225.3599999999997,"body":"annual planning, sort of review"},{"speaker":"Nick Lincoln","startTime":2225.3599999999997,"endTime":2229.5,"body":"that went into a lot of the top"},{"speaker":"Nick Lincoln","startTime":2225.3599999999997,"endTime":2229.5,"body":"firms. So this is maybe where"},{"speaker":"Nick Lincoln","startTime":2229.5,"endTime":2233.46,"body":"the sort of traffic is heading."},{"speaker":"Nick Lincoln","startTime":2229.5,"endTime":2233.46,"body":"Any thoughts that review? They"},{"speaker":"Nick Lincoln","startTime":2233.46,"endTime":2235.8599999999997,"body":"were generally positive. One."},{"speaker":"Nick Lincoln","startTime":2233.46,"endTime":2235.8599999999997,"body":"They were saying, most firms, I"},{"speaker":"Nick Lincoln","startTime":2235.8599999999997,"endTime":2237.7799999999997,"body":"am amazed that they can't"},{"speaker":"Nick Lincoln","startTime":2235.8599999999997,"endTime":2237.7799999999997,"body":"remember the number. They're"},{"speaker":"Nick Lincoln","startTime":2237.7799999999997,"endTime":2240.74,"body":"things like something like"},{"speaker":"Nick Lincoln","startTime":2237.7799999999997,"endTime":2240.74,"body":"something like 83% were totally"},{"speaker":"Nick Lincoln","startTime":2240.74,"endTime":2243.14,"body":"fine in terms of the annual"},{"speaker":"Nick Lincoln","startTime":2240.74,"endTime":2243.14,"body":"planning meeting, something like"},{"speaker":"Nick Lincoln","startTime":2243.2599999999998,"endTime":2246.98,"body":"that, a 4% were a bit iffy. I"},{"speaker":"Nick Lincoln","startTime":2243.2599999999998,"endTime":2246.98,"body":"thought the other way around. I"},{"speaker":"Nick Lincoln","startTime":2246.98,"endTime":2250.8199999999997,"body":"thought 83% didn't happen. You"},{"speaker":"Nick Lincoln","startTime":2246.98,"endTime":2250.8199999999997,"body":"know, I run a micro, tiny"},{"speaker":"Nick Lincoln","startTime":2250.8199999999997,"endTime":2253.46,"body":"business, and it's very hard to"},{"speaker":"Nick Lincoln","startTime":2250.8199999999997,"endTime":2253.46,"body":"keep up to doing all the annual"},{"speaker":"Nick Lincoln","startTime":2253.46,"endTime":2256.1,"body":"planning meetings at the certain"},{"speaker":"Nick Lincoln","startTime":2253.46,"endTime":2256.1,"body":"time and ticking all the boxes,"},{"speaker":"Nick Lincoln","startTime":2256.3399999999997,"endTime":2260.08,"body":"so let alone having a load of"},{"speaker":"Nick Lincoln","startTime":2256.3399999999997,"endTime":2260.08,"body":"different clients, it"},{"speaker":"Unknown","startTime":2261.4,"endTime":2265.0,"body":"must be totally to be"},{"speaker":"Unknown","startTime":2261.4,"endTime":2265.0,"body":"the documentation. Let's face a"},{"speaker":"Unknown","startTime":2265.0,"endTime":2267.58,"body":"lot of particular smaller"},{"speaker":"Unknown","startTime":2265.0,"endTime":2267.58,"body":"businesses. But even SJP,"},{"speaker":"Unknown","startTime":2267.58,"endTime":2271.54,"body":"according to the reports, would"},{"speaker":"Unknown","startTime":2267.58,"endTime":2271.54,"body":"saying these reviews were being"},{"speaker":"Unknown","startTime":2271.54,"endTime":2274.18,"body":"carried out. We just didn't, we"},{"speaker":"Unknown","startTime":2271.54,"endTime":2274.18,"body":"didn't record them anywhere. And"},{"speaker":"Unknown","startTime":2274.18,"endTime":2276.58,"body":"as they say, if it's not written"},{"speaker":"Unknown","startTime":2274.18,"endTime":2276.58,"body":"down, didn't happen. I think, I"},{"speaker":"Unknown","startTime":2276.58,"endTime":2276.8199999999997,"body":"think"},{"speaker":"Nick Lincoln","startTime":2276.8199999999997,"endTime":2278.7599999999998,"body":"the FCA is big."},{"speaker":"Nick Lincoln","startTime":2276.8199999999997,"endTime":2278.7599999999998,"body":"Thing is big. Thing is you've"},{"speaker":"Nick Lincoln","startTime":2278.7599999999998,"endTime":2281.64,"body":"got to be seen to offer the"},{"speaker":"Nick Lincoln","startTime":2278.7599999999998,"endTime":2281.64,"body":"reviews. And I think that's what"},{"speaker":"Nick Lincoln","startTime":2281.64,"endTime":2282.54,"body":"they want to they want"},{"speaker":"Unknown","startTime":2283.2,"endTime":2286.44,"body":"to see him done review."},{"speaker":"Unknown","startTime":2283.2,"endTime":2286.44,"body":"What is a review? Just anyway,"},{"speaker":"Unknown","startTime":2286.44,"endTime":2287.04,"body":"apparently"},{"speaker":"Unknown","startTime":2287.04,"endTime":2289.2599999999998,"body":"the industry flew through flying"},{"speaker":"Unknown","startTime":2287.04,"endTime":2289.2599999999998,"body":"colors."},{"speaker":"Carl Widger","startTime":2289.44,"endTime":2290.94,"body":"Did you not"},{"speaker":"Carl Widger","startTime":2289.44,"endTime":2290.94,"body":"research this? Andrew, I'll"},{"speaker":"Nick Lincoln","startTime":2292.74,"endTime":2295.74,"body":"research"},{"speaker":"Nick Lincoln","startTime":2292.74,"endTime":2295.74,"body":"everything. Carl, okay, right."},{"speaker":"Nick Lincoln","startTime":2297.0,"endTime":2301.64,"body":"Oh, God, this is a gripper Legal"},{"speaker":"Nick Lincoln","startTime":2297.0,"endTime":2301.64,"body":"and General 2024 claims record."},{"speaker":"Nick Lincoln","startTime":2301.64,"endTime":2303.7999999999997,"body":"Yeah, I thought we were gonna"},{"speaker":"Nick Lincoln","startTime":2301.64,"endTime":2303.7999999999997,"body":"put this in. I had this on the"},{"speaker":"Nick Lincoln","startTime":2303.7999999999997,"endTime":2306.5,"body":"list. I said, if we're"},{"speaker":"Nick Lincoln","startTime":2303.7999999999997,"endTime":2306.5,"body":"desperate, we'll go, this is a"},{"speaker":"Nick Lincoln","startTime":2306.5,"endTime":2310.46,"body":"good story or not. This is a"},{"speaker":"Nick Lincoln","startTime":2306.5,"endTime":2310.46,"body":"good story. I'm pro this. When"},{"speaker":"Nick Lincoln","startTime":2310.46,"endTime":2313.64,"body":"the life insurance and insurance"},{"speaker":"Nick Lincoln","startTime":2310.46,"endTime":2313.64,"body":"companies come out their annual"},{"speaker":"Nick Lincoln","startTime":2313.64,"endTime":2316.54,"body":"claims numbers, they always"},{"speaker":"Nick Lincoln","startTime":2313.64,"endTime":2316.54,"body":"astound me, how high they are."},{"speaker":"Nick Lincoln","startTime":2317.38,"endTime":2321.52,"body":"You know, in 2024 Lincoln and"},{"speaker":"Nick Lincoln","startTime":2317.38,"endTime":2321.52,"body":"general, paid over 1 billion in"},{"speaker":"Nick Lincoln","startTime":2321.52,"endTime":2325.24,"body":"claims. Their life insurance"},{"speaker":"Nick Lincoln","startTime":2321.52,"endTime":2325.24,"body":"payout rate was 97% I want to"},{"speaker":"Nick Lincoln","startTime":2325.24,"endTime":2327.4,"body":"clap at the end of this,"},{"speaker":"Nick Lincoln","startTime":2325.24,"endTime":2327.4,"body":"everyone, their life insurance"},{"speaker":"Nick Lincoln","startTime":2327.4,"endTime":2332.14,"body":"was 97% their critical illness"},{"speaker":"Nick Lincoln","startTime":2327.4,"endTime":2332.14,"body":"was 93 their children's critical"},{"speaker":"Nick Lincoln","startTime":2332.2,"endTime":2336.66,"body":"illness cover was 97% their"},{"speaker":"Nick Lincoln","startTime":2332.2,"endTime":2336.66,"body":"income protection was 84% this"},{"speaker":"Nick Lincoln","startTime":2336.66,"endTime":2340.98,"body":"is great news for our industry."},{"speaker":"Nick Lincoln","startTime":2336.66,"endTime":2340.98,"body":"All the life insurance"},{"speaker":"Nick Lincoln","startTime":2340.98,"endTime":2343.98,"body":"companies, all the life"},{"speaker":"Nick Lincoln","startTime":2340.98,"endTime":2343.98,"body":"insurance companies, numbers are"},{"speaker":"Nick Lincoln","startTime":2343.98,"endTime":2347.1,"body":"generally over about 90% this is"},{"speaker":"Nick Lincoln","startTime":2343.98,"endTime":2347.1,"body":"the business room. We should be"},{"speaker":"Nick Lincoln","startTime":2347.1,"endTime":2350.46,"body":"proud of this. Yeah, so that's"},{"speaker":"Nick Lincoln","startTime":2347.1,"endTime":2350.46,"body":"legal in general. 3% of"},{"speaker":"Nick Lincoln","startTime":2350.46,"endTime":2354.0,"body":"children's critical warrants"},{"speaker":"Nick Lincoln","startTime":2350.46,"endTime":2354.0,"body":"claims they turn down. That's"},{"speaker":"Nick Lincoln","startTime":2354.0,"endTime":2357.5,"body":"what I heard there. Jesus,"},{"speaker":"Nick Lincoln","startTime":2354.0,"endTime":2357.5,"body":"that's great. That's free. Are"},{"speaker":"Nick Lincoln","startTime":2357.5,"endTime":2361.04,"body":"you a journalist? Nicklaus, wow,"},{"speaker":"Nick Lincoln","startTime":2357.5,"endTime":2361.04,"body":"just pay it. Man Christ, just"},{"speaker":"Nick Lincoln","startTime":2361.04,"endTime":2363.62,"body":"pay Yeah. So a lot of families"},{"speaker":"Nick Lincoln","startTime":2361.04,"endTime":2363.62,"body":"that were in a lot of trouble,"},{"speaker":"Nick Lincoln","startTime":2363.62,"endTime":2365.7799999999997,"body":"have you know, been sorted out"},{"speaker":"Nick Lincoln","startTime":2363.62,"endTime":2365.7799999999997,"body":"during those times? So, yeah,"},{"speaker":"Nick Lincoln","startTime":2365.7799999999997,"endTime":2371.2999999999997,"body":"well done. LNG, well done. LNG,"},{"speaker":"Nick Lincoln","startTime":2365.7799999999997,"endTime":2371.2999999999997,"body":"okay, fine. So we are, what time"},{"speaker":"Nick Lincoln","startTime":2371.2999999999997,"endTime":2373.04,"body":"do we start my"},{"speaker":"Unknown","startTime":2373.04,"endTime":2374.6,"body":"one? I'm just following"},{"speaker":"Unknown","startTime":2373.04,"endTime":2374.6,"body":"on from that."},{"speaker":"Unknown","startTime":2374.8399999999997,"endTime":2376.7,"body":"This is, this is a super backup"},{"speaker":"Unknown","startTime":2374.8399999999997,"endTime":2376.7,"body":"one."},{"speaker":"Unknown","startTime":2376.88,"endTime":2380.62,"body":"No, no, that's not. It just"},{"speaker":"Unknown","startTime":2376.88,"endTime":2380.62,"body":"follows on from that with Jim."},{"speaker":"Unknown","startTime":2380.92,"endTime":2383.3199999999997,"body":"I've got, I'm under pressure to"},{"speaker":"Unknown","startTime":2380.92,"endTime":2383.3199999999997,"body":"say this, but it's an"},{"speaker":"Unknown","startTime":2383.3199999999997,"endTime":2386.08,"body":"interesting thing. There is,"},{"speaker":"Unknown","startTime":2383.3199999999997,"endTime":2386.08,"body":"we've spoken about this in the"},{"speaker":"Unknown","startTime":2386.44,"endTime":2390.3399999999997,"body":"podcast before. You know, I've"},{"speaker":"Unknown","startTime":2386.44,"endTime":2390.3399999999997,"body":"been, I've been in this game a"},{"speaker":"Unknown","startTime":2390.3399999999997,"endTime":2397.08,"body":"long time and and pay attention,"},{"speaker":"Unknown","startTime":2390.3399999999997,"endTime":2397.08,"body":"boys, we're on time. It's good"},{"speaker":"Unknown","startTime":2397.62,"endTime":2399.9,"body":"time. That's not the time that"},{"speaker":"Unknown","startTime":2397.62,"endTime":2399.9,"body":"says 1959"},{"speaker":"Unknown","startTime":2400.38,"endTime":2403.5,"body":"convenience, absolute shambles."},{"speaker":"Unknown","startTime":2400.38,"endTime":2403.5,"body":"It is the time, yeah, but it's"},{"speaker":"Unknown","startTime":2403.5,"endTime":2405.9,"body":"nice. It's not 20 minutes. So"},{"speaker":"Unknown","startTime":2405.9,"endTime":2409.98,"body":"look back on back on track. So"},{"speaker":"Unknown","startTime":2405.9,"endTime":2409.98,"body":"we it"},{"speaker":"Nick Lincoln","startTime":2411.839,"endTime":2413.6389999999997,"body":"is the bloody"},{"speaker":"Nick Lincoln","startTime":2411.839,"endTime":2413.6389999999997,"body":"time. Sorry,"},{"speaker":"Unknown","startTime":2413.64,"endTime":2418.3399999999997,"body":"a few years ago, a few"},{"speaker":"Unknown","startTime":2413.64,"endTime":2418.3399999999997,"body":"years ago, we used to have ifas"},{"speaker":"Unknown","startTime":2418.3399999999997,"endTime":2420.98,"body":"and financial advisors, right?"},{"speaker":"Unknown","startTime":2418.3399999999997,"endTime":2420.98,"body":"And they used to sell, they used"},{"speaker":"Unknown","startTime":2420.98,"endTime":2426.2,"body":"to sell pensions. And before"},{"speaker":"Unknown","startTime":2420.98,"endTime":2426.2,"body":"ISIS, there was peps, and you"},{"speaker":"Unknown","startTime":2426.2,"endTime":2428.8399999999997,"body":"sell life insurance, and it'd be"},{"speaker":"Unknown","startTime":2426.2,"endTime":2428.8399999999997,"body":"quite a common thing, and"},{"speaker":"Unknown","startTime":2429.08,"endTime":2433.1,"body":"protection policies and phi"},{"speaker":"Unknown","startTime":2429.08,"endTime":2433.1,"body":"policies and all that sort of"},{"speaker":"Unknown","startTime":2433.1,"endTime":2438.16,"body":"stuff. But we've just, in my"},{"speaker":"Unknown","startTime":2433.1,"endTime":2438.16,"body":"long career, we've just, I've"},{"speaker":"Unknown","startTime":2438.16,"endTime":2441.7599999999998,"body":"witnessed a kind of a shift"},{"speaker":"Unknown","startTime":2438.16,"endTime":2441.7599999999998,"body":"across we were all kind of"},{"speaker":"Unknown","startTime":2442.2999999999997,"endTime":2444.64,"body":"wealth managers now, or we"},{"speaker":"Unknown","startTime":2442.2999999999997,"endTime":2444.64,"body":"become, we deal with"},{"speaker":"Unknown","startTime":2444.64,"endTime":2448.9,"body":"increasingly affluent clients,"},{"speaker":"Unknown","startTime":2444.64,"endTime":2448.9,"body":"and I think we take the view"},{"speaker":"Unknown","startTime":2448.9,"endTime":2451.96,"body":"that some of this protection"},{"speaker":"Unknown","startTime":2448.9,"endTime":2451.96,"body":"stuff we don't pay as much"},{"speaker":"Unknown","startTime":2451.96,"endTime":2454.9,"body":"attention to as a whole."},{"speaker":"Unknown","startTime":2451.96,"endTime":2454.9,"body":"Certainly in our firm, we, and"},{"speaker":"Unknown","startTime":2455.02,"endTime":2458.52,"body":"you can argue that a lot of"},{"speaker":"Unknown","startTime":2455.02,"endTime":2458.52,"body":"clients don't necessarily need"},{"speaker":"Unknown","startTime":2458.52,"endTime":2461.3399999999997,"body":"it if they've accumulated some"},{"speaker":"Unknown","startTime":2458.52,"endTime":2461.3399999999997,"body":"wealth, it's not quite an issue,"},{"speaker":"Unknown","startTime":2461.52,"endTime":2463.98,"body":"particularly if you deal with"},{"speaker":"Unknown","startTime":2461.52,"endTime":2463.98,"body":"business, business owner"},{"speaker":"Unknown","startTime":2463.98,"endTime":2466.68,"body":"clients. There are a lot of"},{"speaker":"Unknown","startTime":2463.98,"endTime":2466.68,"body":"intricacies and challenges"},{"speaker":"Unknown","startTime":2466.68,"endTime":2469.62,"body":"around business, and if things"},{"speaker":"Unknown","startTime":2466.68,"endTime":2469.62,"body":"go wrong, partnerships, key man,"},{"speaker":"Unknown","startTime":2469.62,"endTime":2474.72,"body":"etc, a friend Jim, friend of the"},{"speaker":"Unknown","startTime":2469.62,"endTime":2474.72,"body":"podcast, previous guest on my"},{"speaker":"Unknown","startTime":2474.72,"endTime":2478.2799999999997,"body":"own, multi award winner."},{"speaker":"Unknown","startTime":2474.72,"endTime":2478.2799999999997,"body":"Podcast, go podcast, bulletproof"},{"speaker":"Unknown","startTime":2478.2799999999997,"endTime":2482.0,"body":"entrepreneur mentioned this to"},{"speaker":"Unknown","startTime":2478.2799999999997,"endTime":2482.0,"body":"me, and I thought it's quite"},{"speaker":"Unknown","startTime":2482.06,"endTime":2484.88,"body":"worthy of mentioning. There is"},{"speaker":"Unknown","startTime":2482.06,"endTime":2484.88,"body":"this thing called Business"},{"speaker":"Unknown","startTime":2484.88,"endTime":2488.54,"body":"Protection Week, so an entirely,"},{"speaker":"Unknown","startTime":2484.88,"endTime":2488.54,"body":"in a few weeks, we will put a"},{"speaker":"Unknown","startTime":2488.54,"endTime":2492.3199999999997,"body":"link when we publish this next"},{"speaker":"Unknown","startTime":2488.54,"endTime":2492.3199999999997,"body":"week, where we publish a link to"},{"speaker":"Unknown","startTime":2492.3199999999997,"endTime":2495.14,"body":"the show notes and everything"},{"speaker":"Unknown","startTime":2492.3199999999997,"endTime":2495.14,"body":"else but said BP, but there's"},{"speaker":"Unknown","startTime":2495.14,"endTime":2498.1,"body":"just a load of resources,"},{"speaker":"Unknown","startTime":2495.14,"endTime":2498.1,"body":"videos, presentations,"},{"speaker":"Unknown","startTime":2498.1,"endTime":2501.52,"body":"downloads, information for those"},{"speaker":"Unknown","startTime":2498.1,"endTime":2501.52,"body":"who are remotely involved in the"},{"speaker":"Unknown","startTime":2501.52,"endTime":2504.16,"body":"if you got clients who are"},{"speaker":"Unknown","startTime":2501.52,"endTime":2504.16,"body":"business owners, entrepreneurs,"},{"speaker":"Unknown","startTime":2504.58,"endTime":2506.62,"body":"it seems to be a bit of a dark"},{"speaker":"Unknown","startTime":2504.58,"endTime":2506.62,"body":"art less, you know, not"},{"speaker":"Unknown","startTime":2506.62,"endTime":2509.3199999999997,"body":"particularly well understood,"},{"speaker":"Unknown","startTime":2506.62,"endTime":2509.3199999999997,"body":"unless you're specialist in it."},{"speaker":"Unknown","startTime":2509.3199999999997,"endTime":2511.96,"body":"So there's a very helpful and"},{"speaker":"Unknown","startTime":2509.3199999999997,"endTime":2511.96,"body":"useful resource that Jim pointed"},{"speaker":"Unknown","startTime":2511.96,"endTime":2515.14,"body":"out. So do check that out if you"},{"speaker":"Unknown","startTime":2511.96,"endTime":2515.14,"body":"get a chance."},{"speaker":"Nick Lincoln","startTime":2515.38,"endTime":2519.12,"body":"Okay, very much."},{"speaker":"Nick Lincoln","startTime":2515.38,"endTime":2519.12,"body":"So we have 45 minutes left,"},{"speaker":"Nick Lincoln","startTime":2519.42,"endTime":2523.98,"body":"because the time is 2001, and"},{"speaker":"Nick Lincoln","startTime":2519.42,"endTime":2523.98,"body":"we're off at 2045, so let's move"},{"speaker":"Nick Lincoln","startTime":2523.98,"endTime":2527.04,"body":"on to the next part of episode"},{"speaker":"Nick Lincoln","startTime":2523.98,"endTime":2527.04,"body":"41 which is the meat and"},{"speaker":"Nick Lincoln","startTime":2527.04,"endTime":2529.5,"body":"potatoes of the show, where we"},{"speaker":"Nick Lincoln","startTime":2527.04,"endTime":2529.5,"body":"sort of take a subject and"},{"speaker":"Nick Lincoln","startTime":2529.7999999999997,"endTime":2532.08,"body":"thrash it about. We were"},{"speaker":"Nick Lincoln","startTime":2529.7999999999997,"endTime":2532.08,"body":"supposed to do that slide thing,"},{"speaker":"Nick Lincoln","startTime":2532.08,"endTime":2534.6,"body":"weren't we, but we've run out of"},{"speaker":"Nick Lincoln","startTime":2532.08,"endTime":2534.6,"body":"time. We'll cover this off in"},{"speaker":"Nick Lincoln","startTime":2534.6,"endTime":2537.12,"body":"the next episode, whatever the"},{"speaker":"Nick Lincoln","startTime":2534.6,"endTime":2537.12,"body":"results that you put in tonight,"},{"speaker":"Nick Lincoln","startTime":2537.12,"endTime":2540.2599999999998,"body":"we'll mention in Episode 72 all"},{"speaker":"Nick Lincoln","startTime":2537.12,"endTime":2540.2599999999998,"body":"right, 72 all right, to nail"},{"speaker":"Nick Lincoln","startTime":2540.2599999999998,"endTime":2543.44,"body":"that one down. So let's go on to"},{"speaker":"Nick Lincoln","startTime":2540.2599999999998,"endTime":2543.44,"body":"the meat and potatoes. And this"},{"speaker":"Nick Lincoln","startTime":2543.5,"endTime":2546.3199999999997,"body":"is our origin stories. And we're"},{"speaker":"Nick Lincoln","startTime":2543.5,"endTime":2546.3199999999997,"body":"going to be quite short and"},{"speaker":"Nick Lincoln","startTime":2546.3199999999997,"endTime":2550.52,"body":"punchy on this, six to seven"},{"speaker":"Nick Lincoln","startTime":2546.3199999999997,"endTime":2550.52,"body":"minutes each. How did we end up"},{"speaker":"Nick Lincoln","startTime":2550.52,"endTime":2553.88,"body":"where we are today in every"},{"speaker":"Nick Lincoln","startTime":2550.52,"endTime":2553.88,"body":"sense the word storyteller"},{"speaker":"Nick Lincoln","startTime":2554.2999999999997,"endTime":2554.6,"body":"leading"},{"speaker":"Unknown","startTime":2554.66,"endTime":2560.38,"body":"off? Oh my god, six to"},{"speaker":"Unknown","startTime":2554.66,"endTime":2560.38,"body":"seven minutes. Yeah. So we've"},{"speaker":"Unknown","startTime":2560.38,"endTime":2563.02,"body":"been, we've been asked by"},{"speaker":"Unknown","startTime":2560.38,"endTime":2563.02,"body":"several people in the past,"},{"speaker":"Unknown","startTime":2563.02,"endTime":2565.6,"body":"quite interested in in you know,"},{"speaker":"Unknown","startTime":2563.02,"endTime":2565.6,"body":"how did you get started? How'd"},{"speaker":"Unknown","startTime":2565.6,"endTime":2567.8199999999997,"body":"you get you go, how'd you get"},{"speaker":"Unknown","startTime":2565.6,"endTime":2567.8199999999997,"body":"into business? How did you set"},{"speaker":"Unknown","startTime":2567.8199999999997,"endTime":2571.48,"body":"up a firm? What were the issues"},{"speaker":"Unknown","startTime":2567.8199999999997,"endTime":2571.48,"body":"and challenges? So in the time"},{"speaker":"Unknown","startTime":2571.48,"endTime":2574.2999999999997,"body":"I've got, I we're all going to"},{"speaker":"Unknown","startTime":2571.48,"endTime":2574.2999999999997,"body":"give, give our own versions of"},{"speaker":"Unknown","startTime":2574.2999999999997,"endTime":2580.38,"body":"it. So, very simply, I Scottish,"},{"speaker":"Unknown","startTime":2574.2999999999997,"endTime":2580.38,"body":"moved down to the bright lights"},{"speaker":"Unknown","startTime":2580.38,"endTime":2585.24,"body":"Big City of London, town many"},{"speaker":"Unknown","startTime":2580.38,"endTime":2585.24,"body":"years ago, and I have only ever"},{"speaker":"Unknown","startTime":2585.24,"endTime":2590.94,"body":"had properly two jobs. And so I"},{"speaker":"Unknown","startTime":2585.24,"endTime":2590.94,"body":"got a job at an organization"},{"speaker":"Unknown","startTime":2590.94,"endTime":2594.48,"body":"called Standard Life. It's my"},{"speaker":"Unknown","startTime":2590.94,"endTime":2594.48,"body":"first job. I was a broker"},{"speaker":"Unknown","startTime":2594.48,"endTime":2597.68,"body":"consultant, a trainee broker"},{"speaker":"Unknown","startTime":2594.48,"endTime":2597.68,"body":"consultant, first of all, and I"},{"speaker":"Unknown","startTime":2597.68,"endTime":2599.9,"body":"couldn't believe my luck,"},{"speaker":"Unknown","startTime":2597.68,"endTime":2599.9,"body":"because they gave me a company"},{"speaker":"Unknown","startTime":2599.9,"endTime":2603.7999999999997,"body":"car and an unlimited expense"},{"speaker":"Unknown","startTime":2599.9,"endTime":2603.7999999999997,"body":"account, and then and sent me"},{"speaker":"Unknown","startTime":2603.7999999999997,"endTime":2608.24,"body":"out to northwest London to go"},{"speaker":"Unknown","startTime":2603.7999999999997,"endTime":2608.24,"body":"knock on the doors of"},{"speaker":"Unknown","startTime":2609.38,"endTime":2609.8599999999997,"body":"wheelbarrow."},{"speaker":"Unknown","startTime":2616.12,"endTime":2628.54,"body":"Wheelbarrow with props signed by"},{"speaker":"Unknown","startTime":2616.12,"endTime":2628.54,"body":"the wheel. I was 21 and arrest,"},{"speaker":"Unknown","startTime":2628.8399999999997,"endTime":2629.5,"body":"by"},{"speaker":"Unknown","startTime":2634.66,"endTime":2637.08,"body":"the way, we might have had to"},{"speaker":"Unknown","startTime":2634.66,"endTime":2637.08,"body":"shoehorn a few things. I speak"},{"speaker":"Unknown","startTime":2637.14,"endTime":2639.48,"body":"to Ben yesterday, and he said,"},{"speaker":"Unknown","startTime":2637.14,"endTime":2639.48,"body":"you've just got to put all the"},{"speaker":"Unknown","startTime":2639.48,"endTime":2642.06,"body":"greatest hits. You don't go and"},{"speaker":"Unknown","startTime":2639.48,"endTime":2642.06,"body":"see the Rolling Stones and have"},{"speaker":"Unknown","startTime":2642.06,"endTime":2644.46,"body":"them play all the new stuff you"},{"speaker":"Unknown","startTime":2642.06,"endTime":2644.46,"body":"want. You want it."},{"speaker":"Nick Lincoln","startTime":2648.2999999999997,"endTime":2649.62,"body":"You want the"},{"speaker":"Nick Lincoln","startTime":2648.2999999999997,"endTime":2649.62,"body":"Rolling Stones. All right,"},{"speaker":"Nick Lincoln","startTime":2649.62,"endTime":2650.16,"body":"security,"},{"speaker":"Unknown","startTime":2650.52,"endTime":2653.3399999999997,"body":"hot groups, and also, I"},{"speaker":"Unknown","startTime":2650.52,"endTime":2653.3399999999997,"body":"can't believe he just did"},{"speaker":"Unknown","startTime":2655.14,"endTime":2662.96,"body":"so two minutes left, arm, using"},{"speaker":"Unknown","startTime":2655.14,"endTime":2662.96,"body":"my best stuff up. I have to fast"},{"speaker":"Unknown","startTime":2662.96,"endTime":2665.48,"body":"forward. So I was there, and I"},{"speaker":"Unknown","startTime":2662.96,"endTime":2665.48,"body":"really enjoyed my time there,"},{"speaker":"Unknown","startTime":2665.48,"endTime":2668.42,"body":"actually. But an opportunity"},{"speaker":"Unknown","startTime":2665.48,"endTime":2668.42,"body":"came along. I used to, sort of"},{"speaker":"Unknown","startTime":2668.6,"endTime":2671.06,"body":"one of the advisors that I"},{"speaker":"Unknown","startTime":2668.6,"endTime":2671.06,"body":"looked after was a sole trader."},{"speaker":"Unknown","startTime":2672.2599999999998,"endTime":2675.8599999999997,"body":"He sadly departed the late Simon"},{"speaker":"Unknown","startTime":2672.2599999999998,"endTime":2675.8599999999997,"body":"Emmanuel. Some of my friend"},{"speaker":"Unknown","startTime":2675.8599999999997,"endTime":2679.66,"body":"Graham will have remembered him"},{"speaker":"Unknown","startTime":2675.8599999999997,"endTime":2679.66,"body":"and he I used to just go for"},{"speaker":"Unknown","startTime":2679.66,"endTime":2682.24,"body":"lunch with him. He was an IFA."},{"speaker":"Unknown","startTime":2679.66,"endTime":2682.24,"body":"He had a small business, and he"},{"speaker":"Unknown","startTime":2682.24,"endTime":2685.0,"body":"needed to retire. Interesting"},{"speaker":"Unknown","startTime":2682.24,"endTime":2685.0,"body":"thing was, these businesses"},{"speaker":"Unknown","startTime":2685.0,"endTime":2687.8199999999997,"body":"weren't worth anything in those"},{"speaker":"Unknown","startTime":2685.0,"endTime":2687.8199999999997,"body":"days because a commission based"},{"speaker":"Unknown","startTime":2687.8199999999997,"endTime":2692.98,"body":"model, no recurring revenue, and"},{"speaker":"Unknown","startTime":2687.8199999999997,"endTime":2692.98,"body":"so I mean Long story short, I"},{"speaker":"Unknown","startTime":2693.04,"endTime":2696.9,"body":"felt as a very crossroads in my"},{"speaker":"Unknown","startTime":2693.04,"endTime":2696.9,"body":"career, and I left Standard Life"},{"speaker":"Unknown","startTime":2696.9,"endTime":2700.2599999999998,"body":"and joined this firm. He"},{"speaker":"Unknown","startTime":2696.9,"endTime":2700.2599999999998,"body":"effectively retired. He went to"},{"speaker":"Unknown","startTime":2700.2599999999998,"endTime":2704.04,"body":"sem retirement and full"},{"speaker":"Unknown","startTime":2700.2599999999998,"endTime":2704.04,"body":"retirement, and it was a one man"},{"speaker":"Unknown","startTime":2704.04,"endTime":2708.72,"body":"band in a little office down in"},{"speaker":"Unknown","startTime":2704.04,"endTime":2708.72,"body":"Victoria in London. And there is"},{"speaker":"Unknown","startTime":2708.8399999999997,"endTime":2713.64,"body":"one, one brief story with a with"},{"speaker":"Unknown","startTime":2708.8399999999997,"endTime":2713.64,"body":"a message that I'd like to share"},{"speaker":"Unknown","startTime":2713.64,"endTime":2714.8399999999997,"body":"with you about it so"},{"speaker":"Unknown","startTime":2718.2,"endTime":2723.02,"body":"true. Horn grab. Yourself a"},{"speaker":"Unknown","startTime":2718.2,"endTime":2723.02,"body":"drink, a very long drink. It's"},{"speaker":"Unknown","startTime":2723.02,"endTime":2727.04,"body":"story time with Alan Smith,"},{"speaker":"Unknown","startTime":2723.02,"endTime":2727.04,"body":"right?"},{"speaker":"Unknown","startTime":2728.6,"endTime":2734.24,"body":"30 seconds. I'll be as brief as"},{"speaker":"Unknown","startTime":2728.6,"endTime":2734.24,"body":"I can. So I was six months into"},{"speaker":"Unknown","startTime":2734.24,"endTime":2737.68,"body":"this. I was, as I say, a tiny"},{"speaker":"Unknown","startTime":2734.24,"endTime":2737.68,"body":"sole trader, one man band"},{"speaker":"Unknown","startTime":2737.68,"endTime":2740.74,"body":"business. But when I started in"},{"speaker":"Unknown","startTime":2737.68,"endTime":2740.74,"body":"business, you got to come up"},{"speaker":"Unknown","startTime":2740.74,"endTime":2743.2,"body":"with a name for a company, come"},{"speaker":"Unknown","startTime":2740.74,"endTime":2743.2,"body":"up with something, what your"},{"speaker":"Unknown","startTime":2743.2,"endTime":2746.68,"body":"hell you're going to call"},{"speaker":"Unknown","startTime":2743.2,"endTime":2746.68,"body":"yourself? And I had this such an"},{"speaker":"Unknown","startTime":2746.68,"endTime":2749.44,"body":"inferiority complex, but no"},{"speaker":"Unknown","startTime":2746.68,"endTime":2749.44,"body":"one's going to deal with this"},{"speaker":"Unknown","startTime":2749.44,"endTime":2751.8399999999997,"body":"like tiny little business. And I"},{"speaker":"Unknown","startTime":2749.44,"endTime":2751.8399999999997,"body":"was quite ambitious about"},{"speaker":"Unknown","startTime":2751.8399999999997,"endTime":2755.02,"body":"dealing with good clients. So I"},{"speaker":"Unknown","startTime":2751.8399999999997,"endTime":2755.02,"body":"came up with this name, called"},{"speaker":"Unknown","startTime":2755.02,"endTime":2757.68,"body":"Capital Asset Management,"},{"speaker":"Unknown","startTime":2755.02,"endTime":2757.68,"body":"because I thought it just"},{"speaker":"Unknown","startTime":2757.68,"endTime":2760.92,"body":"sounded grand and institutional"},{"speaker":"Unknown","startTime":2757.68,"endTime":2760.92,"body":"and big, and we could go and"},{"speaker":"Unknown","startTime":2761.4,"endTime":2765.72,"body":"tender for big ticket customers"},{"speaker":"Unknown","startTime":2761.4,"endTime":2765.72,"body":"and clients, and that's what we"},{"speaker":"Unknown","startTime":2765.72,"endTime":2768.7799999999997,"body":"were in the capital city and all"},{"speaker":"Unknown","startTime":2765.72,"endTime":2768.7799999999997,"body":"the rest of it. So capital asset"},{"speaker":"Unknown","startTime":2768.7799999999997,"endTime":2772.5,"body":"management was born, which is"},{"speaker":"Unknown","startTime":2768.7799999999997,"endTime":2772.5,"body":"basically me and a PA, and I was"},{"speaker":"Unknown","startTime":2772.5,"endTime":2776.54,"body":"in business about six months,"},{"speaker":"Unknown","startTime":2772.5,"endTime":2776.54,"body":"and a letter was sent. Actual"},{"speaker":"Unknown","startTime":2776.54,"endTime":2782.18,"body":"letter in the post from a very"},{"speaker":"Unknown","startTime":2776.54,"endTime":2782.18,"body":"large charity who clearly got me"},{"speaker":"Unknown","startTime":2782.18,"endTime":2786.62,"body":"mistaken someone else. And he"},{"speaker":"Unknown","startTime":2782.18,"endTime":2786.62,"body":"said, Dear capital asset man,"},{"speaker":"Unknown","startTime":2786.62,"endTime":2790.1,"body":"our charity portfolio is"},{"speaker":"Unknown","startTime":2786.62,"endTime":2790.1,"body":"currently worth 52 million"},{"speaker":"Unknown","startTime":2790.1,"endTime":2794.66,"body":"pounds. We would like, are you"},{"speaker":"Unknown","startTime":2790.1,"endTime":2794.66,"body":"interested in tendering to for"},{"speaker":"Unknown","startTime":2794.66,"endTime":2798.58,"body":"the management of it? Give it a"},{"speaker":"Unknown","startTime":2794.66,"endTime":2798.58,"body":"go. So I literally, so I just"},{"speaker":"Unknown","startTime":2798.58,"endTime":2801.7599999999998,"body":"knew I saw they've obviously got"},{"speaker":"Unknown","startTime":2798.58,"endTime":2801.7599999999998,"body":"me mistaken with someone else. I"},{"speaker":"Unknown","startTime":2801.7599999999998,"endTime":2803.8599999999997,"body":"picked I threw it, I threw"},{"speaker":"Unknown","startTime":2801.7599999999998,"endTime":2803.8599999999997,"body":"through letter in the bin. And I"},{"speaker":"Unknown","startTime":2803.98,"endTime":2806.3199999999997,"body":"happened to go out for lunch"},{"speaker":"Unknown","startTime":2803.98,"endTime":2806.3199999999997,"body":"that day, because I used to do a"},{"speaker":"Unknown","startTime":2806.3199999999997,"endTime":2808.66,"body":"lot of lunches. I went out for"},{"speaker":"Unknown","startTime":2806.3199999999997,"endTime":2808.66,"body":"lunch with a guy who became a"},{"speaker":"Unknown","startTime":2808.66,"endTime":2811.06,"body":"friend of mine called Julian,"},{"speaker":"Unknown","startTime":2808.66,"endTime":2811.06,"body":"who worked for a company then"},{"speaker":"Unknown","startTime":2811.06,"endTime":2813.52,"body":"called Newton, but they called"},{"speaker":"Unknown","startTime":2811.06,"endTime":2813.52,"body":"BMI Mellon now or something. But"},{"speaker":"Unknown","startTime":2813.52,"endTime":2816.1,"body":"he was, like a, he was a rep for"},{"speaker":"Unknown","startTime":2813.52,"endTime":2816.1,"body":"the fund management company. I"},{"speaker":"Unknown","startTime":2816.1,"endTime":2818.68,"body":"was out for lunch with him, and"},{"speaker":"Unknown","startTime":2816.1,"endTime":2818.68,"body":"I just, I just mentioned, by the"},{"speaker":"Unknown","startTime":2818.68,"endTime":2821.22,"body":"way, I got the just mentioned,"},{"speaker":"Unknown","startTime":2818.68,"endTime":2821.22,"body":"by the way, got this letter, and"},{"speaker":"Unknown","startTime":2821.22,"endTime":2824.4,"body":"he said, Oh, that's quite"},{"speaker":"Unknown","startTime":2821.22,"endTime":2824.4,"body":"interesting. We've got a charity"},{"speaker":"Unknown","startTime":2824.58,"endTime":2827.58,"body":"portfolio management division."},{"speaker":"Unknown","startTime":2824.58,"endTime":2827.58,"body":"So I literally fished out the"},{"speaker":"Unknown","startTime":2827.58,"endTime":2831.72,"body":"letter from the bin that"},{"speaker":"Unknown","startTime":2827.58,"endTime":2831.72,"body":"afternoon after lunch and wrote"},{"speaker":"Unknown","startTime":2831.72,"endTime":2835.2,"body":"back to them and said, I'd be"},{"speaker":"Unknown","startTime":2831.72,"endTime":2835.2,"body":"happy to tender for this"},{"speaker":"Unknown","startTime":2835.2,"endTime":2838.4,"body":"business. Long story short, we"},{"speaker":"Unknown","startTime":2835.2,"endTime":2838.4,"body":"get invited. I've never really"},{"speaker":"Unknown","startTime":2838.4,"endTime":2842.3599999999997,"body":"done anything like this since"},{"speaker":"Unknown","startTime":2838.4,"endTime":2842.3599999999997,"body":"before or since, but you have"},{"speaker":"Unknown","startTime":2842.3599999999997,"endTime":2846.92,"body":"what they call a beauty parade."},{"speaker":"Unknown","startTime":2842.3599999999997,"endTime":2846.92,"body":"So he sends his sidekick, the"},{"speaker":"Unknown","startTime":2847.58,"endTime":2851.0,"body":"charity Portfolio Manager, and"},{"speaker":"Unknown","startTime":2847.58,"endTime":2851.0,"body":"me, and we pitch up to the"},{"speaker":"Unknown","startTime":2851.72,"endTime":2854.72,"body":"Office of their accountants,"},{"speaker":"Unknown","startTime":2851.72,"endTime":2854.72,"body":"office in London. And all these"},{"speaker":"Unknown","startTime":2854.72,"endTime":2857.12,"body":"and all these guys know each"},{"speaker":"Unknown","startTime":2854.72,"endTime":2857.12,"body":"other, so all the blue bloods of"},{"speaker":"Unknown","startTime":2857.12,"endTime":2860.68,"body":"Investment Management at the"},{"speaker":"Unknown","startTime":2857.12,"endTime":2860.68,"body":"time, so there was casanoves and"},{"speaker":"Unknown","startTime":2861.7,"endTime":2866.08,"body":"rathbones, all these very sort"},{"speaker":"Unknown","startTime":2861.7,"endTime":2866.08,"body":"of fancy companies, and me with"},{"speaker":"Unknown","startTime":2866.08,"endTime":2870.22,"body":"a one man band, and we then"},{"speaker":"Unknown","startTime":2866.08,"endTime":2870.22,"body":"pitched for the business. And he"},{"speaker":"Unknown","startTime":2870.22,"endTime":2872.62,"body":"wanted to know a lot. Tell me,"},{"speaker":"Unknown","startTime":2870.22,"endTime":2872.62,"body":"Alan, tell me about Capital"},{"speaker":"Unknown","startTime":2872.62,"endTime":2875.74,"body":"Asset Management. Are you part"},{"speaker":"Unknown","startTime":2872.62,"endTime":2875.74,"body":"of a large American banking"},{"speaker":"Unknown","startTime":2875.74,"endTime":2880.2599999999998,"body":"group? And I just had, I had"},{"speaker":"Unknown","startTime":2875.74,"endTime":2880.2599999999998,"body":"never, I told the truth. We're"},{"speaker":"Unknown","startTime":2881.52,"endTime":2884.58,"body":"an independent niche, an"},{"speaker":"Unknown","startTime":2881.52,"endTime":2884.58,"body":"independent business, but we've"},{"speaker":"Unknown","startTime":2884.58,"endTime":2887.2799999999997,"body":"got access, which is true to the"},{"speaker":"Unknown","startTime":2884.58,"endTime":2887.2799999999997,"body":"entire market. And so, blah,"},{"speaker":"Unknown","startTime":2887.2799999999997,"endTime":2891.66,"body":"blah, blah, blah. So okay,"},{"speaker":"Unknown","startTime":2887.2799999999997,"endTime":2891.66,"body":"that's that's fine. And so then"},{"speaker":"Unknown","startTime":2891.66,"endTime":2893.88,"body":"we went away, and I just"},{"speaker":"Unknown","startTime":2891.66,"endTime":2893.88,"body":"thought, I just wanted it to"},{"speaker":"Unknown","startTime":2893.88,"endTime":2896.72,"body":"finish. I thought, God, that"},{"speaker":"Unknown","startTime":2893.88,"endTime":2896.72,"body":"was, it was an experience."},{"speaker":"Unknown","startTime":2897.2599999999998,"endTime":2900.92,"body":"Anywho, I'm at home the next"},{"speaker":"Unknown","startTime":2897.2599999999998,"endTime":2900.92,"body":"day, phone rings the guy, the"},{"speaker":"Unknown","startTime":2900.92,"endTime":2903.92,"body":"trustee the charity, would just"},{"speaker":"Unknown","startTime":2900.92,"endTime":2903.92,"body":"like to let you know that you've"},{"speaker":"Unknown","startTime":2903.92,"endTime":2909.2599999999998,"body":"won the mandate. I thought 52"},{"speaker":"Unknown","startTime":2903.92,"endTime":2909.2599999999998,"body":"million pounds. Now it wasn't"},{"speaker":"Unknown","startTime":2909.2599999999998,"endTime":2911.42,"body":"like three plus a half or three"},{"speaker":"Unknown","startTime":2909.2599999999998,"endTime":2911.42,"body":"plus one. There"},{"speaker":"Unknown","startTime":2913.2799999999997,"endTime":2914.9,"body":"was a difference. Only two."},{"speaker":"Unknown","startTime":2913.2799999999997,"endTime":2914.9,"body":"There"},{"speaker":"Unknown","startTime":2915.92,"endTime":2918.4,"body":"was a investment bond. Yeah,"},{"speaker":"Unknown","startTime":2918.4,"endTime":2921.94,"body":"nice. It wasn't quite it was. It"},{"speaker":"Unknown","startTime":2918.4,"endTime":2921.94,"body":"was institutional pricing. But"},{"speaker":"Unknown","startTime":2921.94,"endTime":2924.7599999999998,"body":"nevertheless, I based after"},{"speaker":"Unknown","startTime":2921.94,"endTime":2924.7599999999998,"body":"that, I just introduced you."},{"speaker":"Unknown","startTime":2924.7599999999998,"endTime":2927.7,"body":"Have a chat with this guy,"},{"speaker":"Unknown","startTime":2924.7599999999998,"endTime":2927.7,"body":"Newton, and don't ever speak to"},{"speaker":"Unknown","startTime":2927.7,"endTime":2931.06,"body":"me ever again. And we got a nice"},{"speaker":"Unknown","startTime":2927.7,"endTime":2931.06,"body":"recurring revenue for quite a"},{"speaker":"Unknown","startTime":2931.06,"endTime":2936.54,"body":"few years. So so the the"},{"speaker":"Unknown","startTime":2931.06,"endTime":2936.54,"body":"takeaway from that, if there was"},{"speaker":"Unknown","startTime":2936.54,"endTime":2940.3199999999997,"body":"one was, is nearly forgot that"},{"speaker":"Unknown","startTime":2936.54,"endTime":2940.3199999999997,"body":"what was the point of even"},{"speaker":"Unknown","startTime":2940.3199999999997,"endTime":2943.44,"body":"telling his story? She won this"},{"speaker":"Unknown","startTime":2940.3199999999997,"endTime":2943.44,"body":"into a takeaway. But the point,"},{"speaker":"Unknown","startTime":2943.5,"endTime":2947.1,"body":"the point is that cannot, you"},{"speaker":"Unknown","startTime":2943.5,"endTime":2947.1,"body":"know, give it a go, is the"},{"speaker":"Unknown","startTime":2947.1,"endTime":2950.52,"body":"point. We also, maybe all of us,"},{"speaker":"Unknown","startTime":2947.1,"endTime":2950.52,"body":"most of us, not all of us, but"},{"speaker":"Unknown","startTime":2950.52,"endTime":2952.68,"body":"some of us work for, like,"},{"speaker":"Unknown","startTime":2950.52,"endTime":2952.68,"body":"smaller businesses, and you"},{"speaker":"Unknown","startTime":2952.68,"endTime":2955.14,"body":"might get some big opportunity,"},{"speaker":"Unknown","startTime":2952.68,"endTime":2955.14,"body":"like some real big, multi"},{"speaker":"Unknown","startTime":2955.14,"endTime":2958.22,"body":"million pound client or"},{"speaker":"Unknown","startTime":2955.14,"endTime":2958.22,"body":"institutional client or charity"},{"speaker":"Unknown","startTime":2958.22,"endTime":2960.74,"body":"or something. You think it's"},{"speaker":"Unknown","startTime":2958.22,"endTime":2960.74,"body":"probably a bit too rich for us,"},{"speaker":"Unknown","startTime":2960.74,"endTime":2963.7999999999997,"body":"a bit too kind of spicy for us,"},{"speaker":"Unknown","startTime":2960.74,"endTime":2963.7999999999997,"body":"bloody. Give it a go. I mean,"},{"speaker":"Unknown","startTime":2963.7999999999997,"endTime":2966.7999999999997,"body":"literally, I was six months into"},{"speaker":"Unknown","startTime":2963.7999999999997,"endTime":2966.7999999999997,"body":"business on a 52 million pound"},{"speaker":"Unknown","startTime":2966.7999999999997,"endTime":2969.7999999999997,"body":"case because I pitched it, put"},{"speaker":"Unknown","startTime":2966.7999999999997,"endTime":2969.7999999999997,"body":"it together. So give it a go."},{"speaker":"Unknown","startTime":2969.7999999999997,"endTime":2972.14,"body":"Ladies and gentlemen, any chance"},{"speaker":"Unknown","startTime":2969.7999999999997,"endTime":2972.14,"body":"you get try do"},{"speaker":"Nick Lincoln","startTime":2979.359,"endTime":2982.239,"body":"Ultra, yeah, nine"},{"speaker":"Nick Lincoln","startTime":2979.359,"endTime":2982.239,"body":"minutes. It's always an honor"},{"speaker":"Nick Lincoln","startTime":2982.239,"endTime":2986.319,"body":"going after Alan, because it"},{"speaker":"Nick Lincoln","startTime":2982.239,"endTime":2986.319,"body":"means he stopped speaking. I'll"},{"speaker":"Nick Lincoln","startTime":2986.319,"endTime":2989.319,"body":"keep it short and sweet. It's my"},{"speaker":"Nick Lincoln","startTime":2986.319,"endTime":2989.319,"body":"sort of origin story when I was"},{"speaker":"Nick Lincoln","startTime":2989.319,"endTime":2992.859,"body":"about 18 to 35 sounds long, but"},{"speaker":"Nick Lincoln","startTime":2989.319,"endTime":2992.859,"body":"I'll get through it. So picture"},{"speaker":"Nick Lincoln","startTime":2992.859,"endTime":2997.299,"body":"the scene. It was a cold March"},{"speaker":"Nick Lincoln","startTime":2992.859,"endTime":2997.299,"body":"day in 2004 added a bit of color"},{"speaker":"Nick Lincoln","startTime":2997.299,"endTime":3000.859,"body":"here, and I was sitting in the"},{"speaker":"Nick Lincoln","startTime":2997.299,"endTime":3000.859,"body":"bank manager's office in the"},{"speaker":"Nick Lincoln","startTime":3000.859,"endTime":3003.979,"body":"Lloyds TSB branch in harrow"},{"speaker":"Nick Lincoln","startTime":3000.859,"endTime":3003.979,"body":"having an interview to become a"},{"speaker":"Nick Lincoln","startTime":3003.979,"endTime":3007.5789999999997,"body":"mortgage advisor. The interview"},{"speaker":"Nick Lincoln","startTime":3003.979,"endTime":3007.5789999999997,"body":"was going quite well. I don't"},{"speaker":"Nick Lincoln","startTime":3007.5789999999997,"endTime":3012.1389999999997,"body":"interview that Well, believe it"},{"speaker":"Nick Lincoln","startTime":3007.5789999999997,"endTime":3012.1389999999997,"body":"or not, OK. And then right at"},{"speaker":"Nick Lincoln","startTime":3012.1389999999997,"endTime":3015.379,"body":"the end, he said final question,"},{"speaker":"Nick Lincoln","startTime":3012.1389999999997,"endTime":3015.379,"body":"Andy, you're going to become a"},{"speaker":"Nick Lincoln","startTime":3015.379,"endTime":3017.919,"body":"mortgage advisor. What's the"},{"speaker":"Nick Lincoln","startTime":3015.379,"endTime":3017.919,"body":"Bank of England base rate? At"},{"speaker":"Nick Lincoln","startTime":3017.919,"endTime":3020.1389999999997,"body":"the moment, I've never heard"},{"speaker":"Nick Lincoln","startTime":3017.919,"endTime":3020.1389999999997,"body":"those words together in my life."},{"speaker":"Nick Lincoln","startTime":3021.339,"endTime":3024.0989999999997,"body":"I said, Come again. Come again."},{"speaker":"Nick Lincoln","startTime":3021.339,"endTime":3024.0989999999997,"body":"He said, what's the Bank of"},{"speaker":"Nick Lincoln","startTime":3024.0989999999997,"endTime":3026.499,"body":"England base rate? I said, I did"},{"speaker":"Nick Lincoln","startTime":3024.0989999999997,"endTime":3026.499,"body":"what all interviewees do. I"},{"speaker":"Nick Lincoln","startTime":3026.499,"endTime":3030.759,"body":"tried to blag it. I said, it's"},{"speaker":"Nick Lincoln","startTime":3026.499,"endTime":3030.759,"body":"about 10% he said, No, man, it's"},{"speaker":"Nick Lincoln","startTime":3030.879,"endTime":3034.479,"body":"near a 4% so I thought my"},{"speaker":"Nick Lincoln","startTime":3030.879,"endTime":3034.479,"body":"financial services career was"},{"speaker":"Nick Lincoln","startTime":3034.479,"endTime":3037.299,"body":"over before it started. Now, let"},{"speaker":"Nick Lincoln","startTime":3034.479,"endTime":3037.299,"body":"me take you back a few years. So"},{"speaker":"Nick Lincoln","startTime":3037.299,"endTime":3040.319,"body":"when I was 18, I went to"},{"speaker":"Nick Lincoln","startTime":3037.299,"endTime":3040.319,"body":"Northampton, university. Sounds"},{"speaker":"Nick Lincoln","startTime":3040.319,"endTime":3043.259,"body":"like an Allen story. I went"},{"speaker":"Nick Lincoln","startTime":3040.319,"endTime":3043.259,"body":"there for a few reasons. First"},{"speaker":"Nick Lincoln","startTime":3043.259,"endTime":3046.919,"body":"of all, they let me in. Second"},{"speaker":"Nick Lincoln","startTime":3043.259,"endTime":3046.919,"body":"of all, it was an hour door to"},{"speaker":"Nick Lincoln","startTime":3046.919,"endTime":3049.799,"body":"door. And third, they had a good"},{"speaker":"Nick Lincoln","startTime":3046.919,"endTime":3049.799,"body":"rugby team. I did a law degree."},{"speaker":"Nick Lincoln","startTime":3050.0989999999997,"endTime":3055.799,"body":"I got a Desmond Tutu, and then I"},{"speaker":"Nick Lincoln","startTime":3050.0989999999997,"endTime":3055.799,"body":"and then I left and thought,"},{"speaker":"Nick Lincoln","startTime":3055.799,"endTime":3058.519,"body":"what I'm gonna do with my life."},{"speaker":"Nick Lincoln","startTime":3055.799,"endTime":3058.519,"body":"So I got the local paper, the"},{"speaker":"Nick Lincoln","startTime":3058.519,"endTime":3061.0389999999998,"body":"how observer, went through all"},{"speaker":"Nick Lincoln","startTime":3058.519,"endTime":3061.0389999999998,"body":"the pages, went through the job"},{"speaker":"Nick Lincoln","startTime":3061.0389999999998,"endTime":3063.6189999999997,"body":"section, circled a few things. I"},{"speaker":"Nick Lincoln","startTime":3061.0389999999998,"endTime":3063.6189999999997,"body":"thought would be interesting for"},{"speaker":"Nick Lincoln","startTime":3063.6189999999997,"endTime":3066.979,"body":"me. Boom, I saw it, training"},{"speaker":"Nick Lincoln","startTime":3063.6189999999997,"endTime":3066.979,"body":"estate agent. I thought, that's"},{"speaker":"Nick Lincoln","startTime":3066.979,"endTime":3069.859,"body":"a bit of me. So I called the"},{"speaker":"Nick Lincoln","startTime":3066.979,"endTime":3069.859,"body":"guy. Went, well, he said he can"},{"speaker":"Nick Lincoln","startTime":3069.859,"endTime":3072.5589999999997,"body":"start soon, training estate"},{"speaker":"Nick Lincoln","startTime":3069.859,"endTime":3072.5589999999997,"body":"agent. You know, you know what"},{"speaker":"Nick Lincoln","startTime":3072.5589999999997,"endTime":3074.959,"body":"that is. It's basically"},{"speaker":"Nick Lincoln","startTime":3072.5589999999997,"endTime":3074.959,"body":"delivering leaflets. I was"},{"speaker":"Nick Lincoln","startTime":3074.959,"endTime":3078.279,"body":"delivering leaflets. So. In rain"},{"speaker":"Nick Lincoln","startTime":3074.959,"endTime":3078.279,"body":"is late North West London, my"},{"speaker":"Nick Lincoln","startTime":3078.279,"endTime":3082.179,"body":"brand new polyester suit and tie"},{"speaker":"Nick Lincoln","startTime":3078.279,"endTime":3082.179,"body":"before you get in there, baking"},{"speaker":"Nick Lincoln","startTime":3082.179,"endTime":3085.719,"body":"hot summer, I was doing that for"},{"speaker":"Nick Lincoln","startTime":3082.179,"endTime":3085.719,"body":"a few months, and I said to the"},{"speaker":"Nick Lincoln","startTime":3085.719,"endTime":3088.359,"body":"guy, you know, I'm okay"},{"speaker":"Nick Lincoln","startTime":3085.719,"endTime":3088.359,"body":"delivering leaflets, but is"},{"speaker":"Nick Lincoln","startTime":3088.359,"endTime":3090.699,"body":"there anything more I can do? He"},{"speaker":"Nick Lincoln","startTime":3088.359,"endTime":3090.699,"body":"said,"},{"speaker":"Unknown","startTime":3093.64,"endTime":3096.2799999999997,"body":"Yeah, the Peter"},{"speaker":"Unknown","startTime":3093.64,"endTime":3096.2799999999997,"body":"Principle."},{"speaker":"Nick Lincoln","startTime":3097.54,"endTime":3099.54,"body":"You can start"},{"speaker":"Nick Lincoln","startTime":3097.54,"endTime":3099.54,"body":"valuing, you know, valuing"},{"speaker":"Nick Lincoln","startTime":3099.66,"endTime":3101.8199999999997,"body":"houses and becoming a proper"},{"speaker":"Nick Lincoln","startTime":3099.66,"endTime":3101.8199999999997,"body":"estate agent. I thought,"},{"speaker":"Nick Lincoln","startTime":3101.8199999999997,"endTime":3104.4,"body":"brilliant. I know nothing about"},{"speaker":"Nick Lincoln","startTime":3101.8199999999997,"endTime":3104.4,"body":"sales, nothing about property."},{"speaker":"Nick Lincoln","startTime":3104.58,"endTime":3109.2599999999998,"body":"Andy, you will walk it. So that"},{"speaker":"Nick Lincoln","startTime":3104.58,"endTime":3109.2599999999998,"body":"went on for about 12 months, and"},{"speaker":"Nick Lincoln","startTime":3109.2599999999998,"endTime":3111.66,"body":"then I said to the guy once, I"},{"speaker":"Nick Lincoln","startTime":3109.2599999999998,"endTime":3111.66,"body":"said, what's going on in it? I'm"},{"speaker":"Nick Lincoln","startTime":3111.66,"endTime":3113.88,"body":"selling these houses, doing all"},{"speaker":"Nick Lincoln","startTime":3111.66,"endTime":3113.88,"body":"this stuff, and there's a load"},{"speaker":"Nick Lincoln","startTime":3113.88,"endTime":3116.3399999999997,"body":"of activity going on your room"},{"speaker":"Nick Lincoln","startTime":3113.88,"endTime":3116.3399999999997,"body":"here. He said, we do mortgages"},{"speaker":"Nick Lincoln","startTime":3116.3399999999997,"endTime":3118.2599999999998,"body":"here. I said, mortgages. I"},{"speaker":"Nick Lincoln","startTime":3116.3399999999997,"endTime":3118.2599999999998,"body":"thought, you have to be a bank"},{"speaker":"Nick Lincoln","startTime":3118.2599999999998,"endTime":3120.62,"body":"to do mortgages. He said, No,"},{"speaker":"Nick Lincoln","startTime":3118.2599999999998,"endTime":3120.62,"body":"no, no, we're like, mortgage"},{"speaker":"Nick Lincoln","startTime":3120.62,"endTime":3123.2,"body":"brokers. We can do with anyone."},{"speaker":"Nick Lincoln","startTime":3120.62,"endTime":3123.2,"body":"I was like, can you explain to"},{"speaker":"Nick Lincoln","startTime":3123.2,"endTime":3125.3599999999997,"body":"me how this works? And he said,"},{"speaker":"Nick Lincoln","startTime":3123.2,"endTime":3125.3599999999997,"body":"Yeah, take a seat. I'll explain"},{"speaker":"Nick Lincoln","startTime":3125.3599999999997,"endTime":3127.8199999999997,"body":"to you about the mortgage"},{"speaker":"Nick Lincoln","startTime":3125.3599999999997,"endTime":3127.8199999999997,"body":"market. The next 10 minutes"},{"speaker":"Nick Lincoln","startTime":3127.88,"endTime":3130.7599999999998,"body":"changed my life. He basically"},{"speaker":"Nick Lincoln","startTime":3127.88,"endTime":3130.7599999999998,"body":"explained to me how it worked."},{"speaker":"Nick Lincoln","startTime":3130.7599999999998,"endTime":3133.58,"body":"He explained the numbers. And he"},{"speaker":"Nick Lincoln","startTime":3130.7599999999998,"endTime":3133.58,"body":"said, basically a typical"},{"speaker":"Nick Lincoln","startTime":3133.58,"endTime":3136.8399999999997,"body":"mortgage we do here is about"},{"speaker":"Nick Lincoln","startTime":3133.58,"endTime":3136.8399999999997,"body":"200,000 pounds. We introduced"},{"speaker":"Nick Lincoln","startTime":3136.8399999999997,"endTime":3139.24,"body":"into the bank, and we get paid"},{"speaker":"Nick Lincoln","startTime":3136.8399999999997,"endTime":3139.24,"body":"half a percent of that amount."},{"speaker":"Nick Lincoln","startTime":3139.24,"endTime":3142.2999999999997,"body":"I'm trying to work out half a"},{"speaker":"Nick Lincoln","startTime":3139.24,"endTime":3142.2999999999997,"body":"percent of 200,000 I was like,"},{"speaker":"Nick Lincoln","startTime":3142.2999999999997,"endTime":3144.94,"body":"my little brain works out in the"},{"speaker":"Nick Lincoln","startTime":3142.2999999999997,"endTime":3144.94,"body":"end. I said, 1000 pounds for a"},{"speaker":"Nick Lincoln","startTime":3144.94,"endTime":3147.04,"body":"mortgage. I thought, like 50"},{"speaker":"Nick Lincoln","startTime":3144.94,"endTime":3147.04,"body":"quid or something. He said,"},{"speaker":"Nick Lincoln","startTime":3147.04,"endTime":3149.8599999999997,"body":"Yeah, it gets better. Andy, I"},{"speaker":"Nick Lincoln","startTime":3147.04,"endTime":3149.8599999999997,"body":"said, it gets better. He said,"},{"speaker":"Nick Lincoln","startTime":3149.8599999999997,"endTime":3151.9,"body":"Yeah, we also sell life"},{"speaker":"Nick Lincoln","startTime":3149.8599999999997,"endTime":3151.9,"body":"insurance here. And I said, How"},{"speaker":"Nick Lincoln","startTime":3151.9,"endTime":3154.18,"body":"does that work? He said,"},{"speaker":"Nick Lincoln","startTime":3151.9,"endTime":3154.18,"body":"basically the commission is 20"},{"speaker":"Nick Lincoln","startTime":3154.18,"endTime":3157.2,"body":"times a monthly premium. Typical"},{"speaker":"Nick Lincoln","startTime":3154.18,"endTime":3157.2,"body":"monthly premium is 50 quid. I"},{"speaker":"Nick Lincoln","startTime":3157.2,"endTime":3160.14,"body":"was trying to work 20 times 50"},{"speaker":"Nick Lincoln","startTime":3157.2,"endTime":3160.14,"body":"out my little brain. I thought"},{"speaker":"Nick Lincoln","startTime":3160.14,"endTime":3163.5,"body":"you get paid 2000 pounds for a"},{"speaker":"Nick Lincoln","startTime":3160.14,"endTime":3163.5,"body":"typical mortgage. I was earning"},{"speaker":"Nick Lincoln","startTime":3163.5,"endTime":3167.94,"body":"700 pounds, working nine till"},{"speaker":"Nick Lincoln","startTime":3163.5,"endTime":3167.94,"body":"seven, six days a week, so I"},{"speaker":"Nick Lincoln","startTime":3167.94,"endTime":3171.2999999999997,"body":"knew exactly what my future"},{"speaker":"Nick Lincoln","startTime":3167.94,"endTime":3171.2999999999997,"body":"held. So then I immediately went"},{"speaker":"Nick Lincoln","startTime":3171.2999999999997,"endTime":3173.94,"body":"home, worked how to become a"},{"speaker":"Nick Lincoln","startTime":3171.2999999999997,"endTime":3173.94,"body":"mortgage advisor. I did see map"},{"speaker":"Nick Lincoln","startTime":3174.0,"endTime":3179.24,"body":"in my lunchtime. Paid for it"},{"speaker":"Nick Lincoln","startTime":3174.0,"endTime":3179.24,"body":"myself. I got 93% in that okay,"},{"speaker":"Nick Lincoln","startTime":3179.8399999999997,"endTime":3182.24,"body":"it's the highest grade I've ever"},{"speaker":"Nick Lincoln","startTime":3179.8399999999997,"endTime":3182.24,"body":"got in my entire life. And ever"},{"speaker":"Nick Lincoln","startTime":3182.24,"endTime":3184.58,"body":"since then, my grades have gone"},{"speaker":"Nick Lincoln","startTime":3182.24,"endTime":3184.58,"body":"down and my efforts gone down"},{"speaker":"Nick Lincoln","startTime":3184.58,"endTime":3188.66,"body":"doing exams. You know, I'm"},{"speaker":"Nick Lincoln","startTime":3184.58,"endTime":3188.66,"body":"proudly Uncharted. And then I"},{"speaker":"Nick Lincoln","startTime":3188.66,"endTime":3191.7799999999997,"body":"did actually get the job at"},{"speaker":"Nick Lincoln","startTime":3188.66,"endTime":3191.7799999999997,"body":"Lloyds TSB, and I was there for"},{"speaker":"Nick Lincoln","startTime":3191.7799999999997,"endTime":3197.08,"body":"about 15 months. In the end, I"},{"speaker":"Nick Lincoln","startTime":3191.7799999999997,"endTime":3197.08,"body":"was sort of the humble brag. I"},{"speaker":"Nick Lincoln","startTime":3197.08,"endTime":3199.8399999999997,"body":"was the second best mortgage"},{"speaker":"Nick Lincoln","startTime":3197.08,"endTime":3199.8399999999997,"body":"advisor, mortgage advisor in"},{"speaker":"Nick Lincoln","startTime":3199.8399999999997,"endTime":3202.48,"body":"whole of Lloyds TSB network."},{"speaker":"Nick Lincoln","startTime":3199.8399999999997,"endTime":3202.48,"body":"Anyway, there's bad news coming."},{"speaker":"Nick Lincoln","startTime":3202.8399999999997,"endTime":3205.9,"body":"Don't worry. My old boss rang me"},{"speaker":"Nick Lincoln","startTime":3202.8399999999997,"endTime":3205.9,"body":"and he said, Andy, I'm fed up of"},{"speaker":"Nick Lincoln","startTime":3205.9,"endTime":3208.54,"body":"doing residential mortgages. I"},{"speaker":"Nick Lincoln","startTime":3205.9,"endTime":3208.54,"body":"want to focus on commercial"},{"speaker":"Nick Lincoln","startTime":3208.54,"endTime":3210.88,"body":"mortgages. You can do the"},{"speaker":"Nick Lincoln","startTime":3208.54,"endTime":3210.88,"body":"residential mortgages for me."},{"speaker":"Nick Lincoln","startTime":3210.88,"endTime":3213.64,"body":"Let's set up a company. So I set"},{"speaker":"Nick Lincoln","startTime":3210.88,"endTime":3213.64,"body":"up my first directly authorized"},{"speaker":"Nick Lincoln","startTime":3213.64,"endTime":3217.14,"body":"company when I was 24 called"},{"speaker":"Nick Lincoln","startTime":3213.64,"endTime":3217.14,"body":"true financial. Things were"},{"speaker":"Nick Lincoln","startTime":3217.14,"endTime":3219.66,"body":"going well. At first, we were"},{"speaker":"Nick Lincoln","startTime":3217.14,"endTime":3219.66,"body":"flying. I was earning about five"},{"speaker":"Nick Lincoln","startTime":3219.66,"endTime":3222.18,"body":"grand a month. I was the sort of"},{"speaker":"Nick Lincoln","startTime":3219.66,"endTime":3222.18,"body":"richest one of my mates, paying"},{"speaker":"Nick Lincoln","startTime":3222.18,"endTime":3225.18,"body":"for everything that was going"},{"speaker":"Nick Lincoln","startTime":3222.18,"endTime":3225.18,"body":"well. And then, boom, we got hit"},{"speaker":"Nick Lincoln","startTime":3225.18,"endTime":3228.6,"body":"by the great financial crisis."},{"speaker":"Nick Lincoln","startTime":3225.18,"endTime":3228.6,"body":"And at that time, I was earning"},{"speaker":"Nick Lincoln","startTime":3228.6,"endTime":3231.54,"body":"seven grand a month. And all of"},{"speaker":"Nick Lincoln","startTime":3228.6,"endTime":3231.54,"body":"a sudden, I was losing 910, 11"},{"speaker":"Nick Lincoln","startTime":3231.54,"endTime":3234.06,"body":"grand a month. I needed to get"},{"speaker":"Nick Lincoln","startTime":3231.54,"endTime":3234.06,"body":"rid of my office, get rid of my"},{"speaker":"Nick Lincoln","startTime":3234.06,"endTime":3237.08,"body":"staff. And, you know, readjust"},{"speaker":"Nick Lincoln","startTime":3234.06,"endTime":3237.08,"body":"quickly. I got rid of my car,"},{"speaker":"Nick Lincoln","startTime":3237.08,"endTime":3240.02,"body":"you know, it got a pretty,"},{"speaker":"Nick Lincoln","startTime":3237.08,"endTime":3240.02,"body":"pretty bad at one point. I"},{"speaker":"Nick Lincoln","startTime":3240.02,"endTime":3243.2,"body":"remember it so well. I called up"},{"speaker":"Nick Lincoln","startTime":3240.02,"endTime":3243.2,"body":"my mum. You know, mums are mums"},{"speaker":"Nick Lincoln","startTime":3243.2,"endTime":3245.72,"body":"are amazing. I said, it's not"},{"speaker":"Nick Lincoln","startTime":3243.2,"endTime":3245.72,"body":"looking good for me out here,"},{"speaker":"Nick Lincoln","startTime":3245.72,"endTime":3248.42,"body":"Mum, you know, I'm losing money,"},{"speaker":"Nick Lincoln","startTime":3245.72,"endTime":3248.42,"body":"and then I'm probably gonna have"},{"speaker":"Nick Lincoln","startTime":3248.42,"endTime":3252.2599999999998,"body":"to move home. And I remember it"},{"speaker":"Nick Lincoln","startTime":3248.42,"endTime":3252.2599999999998,"body":"so well. She said, Andy, it"},{"speaker":"Nick Lincoln","startTime":3252.44,"endTime":3256.42,"body":"doesn't matter what happens."},{"speaker":"Nick Lincoln","startTime":3252.44,"endTime":3256.42,"body":"There is no way you're moving"},{"speaker":"Nick Lincoln","startTime":3261.16,"endTime":3264.52,"body":"luck, luckily, about a month"},{"speaker":"Nick Lincoln","startTime":3261.16,"endTime":3264.52,"body":"later, the Bank of England base"},{"speaker":"Nick Lincoln","startTime":3264.52,"endTime":3267.1,"body":"rate went down by about one and"},{"speaker":"Nick Lincoln","startTime":3264.52,"endTime":3267.1,"body":"a half percent. So I was had a"},{"speaker":"Nick Lincoln","startTime":3267.1,"endTime":3270.58,"body":"bit of headroom, and I was okay."},{"speaker":"Nick Lincoln","startTime":3267.1,"endTime":3270.58,"body":"At the same time, I did the"},{"speaker":"Nick Lincoln","startTime":3270.58,"endTime":3273.1,"body":"exams become a financial"},{"speaker":"Nick Lincoln","startTime":3270.58,"endTime":3273.1,"body":"advisor. I'm wrapping up soon."},{"speaker":"Nick Lincoln","startTime":3273.3399999999997,"endTime":3276.46,"body":"My first job as a financial"},{"speaker":"Nick Lincoln","startTime":3273.3399999999997,"endTime":3276.46,"body":"advisor was 100% commission,"},{"speaker":"Nick Lincoln","startTime":3276.46,"endTime":3279.0,"body":"self employed. I had, there was"},{"speaker":"Nick Lincoln","startTime":3276.46,"endTime":3279.0,"body":"an office in Dunstable, and I"},{"speaker":"Nick Lincoln","startTime":3279.06,"endTime":3282.0,"body":"remember it well. I used to"},{"speaker":"Nick Lincoln","startTime":3279.06,"endTime":3282.0,"body":"drive in my ex wife's Fiat"},{"speaker":"Nick Lincoln","startTime":3282.0,"endTime":3286.5,"body":"chincoln to fucking times are"},{"speaker":"Nick Lincoln","startTime":3282.0,"endTime":3286.5,"body":"tough, living your dream, living"},{"speaker":"Nick Lincoln","startTime":3286.5,"endTime":3290.22,"body":"Ltd. So I used to drive up the"},{"speaker":"Nick Lincoln","startTime":3286.5,"endTime":3290.22,"body":"m1 at six in the morning to get"},{"speaker":"Nick Lincoln","startTime":3290.22,"endTime":3292.5,"body":"to this cold, dark, horrible"},{"speaker":"Nick Lincoln","startTime":3290.22,"endTime":3292.5,"body":"office that I was working at."},{"speaker":"Nick Lincoln","startTime":3292.5,"endTime":3296.2799999999997,"body":"And next to it, there's a drug"},{"speaker":"Nick Lincoln","startTime":3292.5,"endTime":3296.2799999999997,"body":"Recovery Center. No, no, be it."},{"speaker":"Nick Lincoln","startTime":3296.2799999999997,"endTime":3299.2999999999997,"body":"Andy. And when I walked in the"},{"speaker":"Nick Lincoln","startTime":3296.2799999999997,"endTime":3299.2999999999997,"body":"morning, at half six in the"},{"speaker":"Nick Lincoln","startTime":3299.2999999999997,"endTime":3302.8399999999997,"body":"morning, the patrons of this"},{"speaker":"Nick Lincoln","startTime":3299.2999999999997,"endTime":3302.8399999999997,"body":"place were outside, and I used"},{"speaker":"Nick Lincoln","startTime":3302.8399999999997,"endTime":3306.2599999999998,"body":"to walk with my suit, tie and"},{"speaker":"Nick Lincoln","startTime":3302.8399999999997,"endTime":3306.2599999999998,"body":"briefcase, and they used to say,"},{"speaker":"Nick Lincoln","startTime":3306.74,"endTime":3311.96,"body":"wanker, expensive bunch."},{"speaker":"Nick Lincoln","startTime":3306.74,"endTime":3311.96,"body":"Nothing's changed. Nothing's"},{"speaker":"Nick Lincoln","startTime":3311.96,"endTime":3314.8399999999997,"body":"changed. And then I went into"},{"speaker":"Nick Lincoln","startTime":3311.96,"endTime":3314.8399999999997,"body":"the building, closed the door,"},{"speaker":"Nick Lincoln","startTime":3314.8399999999997,"endTime":3317.44,"body":"hope they didn't follow me in."},{"speaker":"Nick Lincoln","startTime":3314.8399999999997,"endTime":3317.44,"body":"It was full of filing cabinets,"},{"speaker":"Nick Lincoln","startTime":3317.44,"endTime":3320.44,"body":"A to Z. I started with a I read"},{"speaker":"Nick Lincoln","startTime":3317.44,"endTime":3320.44,"body":"everything I could about"},{"speaker":"Nick Lincoln","startTime":3320.44,"endTime":3323.14,"body":"pensions, investments, life"},{"speaker":"Nick Lincoln","startTime":3320.44,"endTime":3323.14,"body":"insurance. Just immersed myself"},{"speaker":"Nick Lincoln","startTime":3323.14,"endTime":3325.6,"body":"in this business. At the same"},{"speaker":"Nick Lincoln","startTime":3323.14,"endTime":3325.6,"body":"time, I was trying to expose"},{"speaker":"Nick Lincoln","startTime":3325.6,"endTime":3329.92,"body":"myself to the good and the great"},{"speaker":"Nick Lincoln","startTime":3325.6,"endTime":3329.92,"body":"at the financial planning"},{"speaker":"Nick Lincoln","startTime":3329.92,"endTime":3333.46,"body":"community. Unfortunately, I"},{"speaker":"Nick Lincoln","startTime":3329.92,"endTime":3333.46,"body":"couldn't find any of the good"},{"speaker":"Nick Lincoln","startTime":3333.46,"endTime":3339.06,"body":"and the great. So I went to meet"},{"speaker":"Nick Lincoln","startTime":3333.46,"endTime":3339.06,"body":"Nick Lincoln in Watford. Way"},{"speaker":"Nick Lincoln","startTime":3339.42,"endTime":3342.7799999999997,"body":"that was 2008 and ladies and"},{"speaker":"Nick Lincoln","startTime":3339.42,"endTime":3342.7799999999997,"body":"gentlemen back then, this guy"},{"speaker":"Nick Lincoln","startTime":3342.7799999999997,"endTime":3347.58,"body":"was class. He was he was class."},{"speaker":"Nick Lincoln","startTime":3342.7799999999997,"endTime":3347.58,"body":"He took me to the best"},{"speaker":"Nick Lincoln","startTime":3347.64,"endTime":3351.48,"body":"restaurant in Watford. Do you"},{"speaker":"Nick Lincoln","startTime":3347.64,"endTime":3351.48,"body":"remember it? Pizza Express? That"},{"speaker":"Nick Lincoln","startTime":3352.74,"endTime":3355.44,"body":"is the best restaurant. More."},{"speaker":"Nick Lincoln","startTime":3352.74,"endTime":3355.44,"body":"Pizza Express, yep. And then"},{"speaker":"Nick Lincoln","startTime":3355.44,"endTime":3358.58,"body":"soon after that, I met Tina week"},{"speaker":"Nick Lincoln","startTime":3355.44,"endTime":3358.58,"body":"she was setting up serenity"},{"speaker":"Nick Lincoln","startTime":3358.58,"endTime":3361.3399999999997,"body":"financial planning. I then"},{"speaker":"Nick Lincoln","startTime":3358.58,"endTime":3361.3399999999997,"body":"immersed myself to become a full"},{"speaker":"Nick Lincoln","startTime":3361.3399999999997,"endTime":3363.92,"body":"fat financial planner. With her"},{"speaker":"Nick Lincoln","startTime":3361.3399999999997,"endTime":3363.92,"body":"built, built this business early"},{"speaker":"Nick Lincoln","startTime":3363.92,"endTime":3367.22,"body":"on with her. At the same time, I"},{"speaker":"Nick Lincoln","startTime":3363.92,"endTime":3367.22,"body":"was training financial advisors"},{"speaker":"Nick Lincoln","startTime":3367.22,"endTime":3370.8199999999997,"body":"on voice software traveling"},{"speaker":"Nick Lincoln","startTime":3367.22,"endTime":3370.8199999999997,"body":"salesman. And then what else?"},{"speaker":"Nick Lincoln","startTime":3371.0,"endTime":3373.64,"body":"Software salesman, software"},{"speaker":"Nick Lincoln","startTime":3371.0,"endTime":3373.64,"body":"sales, I'm sorry, yeah. And then"},{"speaker":"Nick Lincoln","startTime":3373.64,"endTime":3377.7999999999997,"body":"in 2017 I set up Maven advisor."},{"speaker":"Nick Lincoln","startTime":3373.64,"endTime":3377.7999999999997,"body":"My. Own firm on my own terms,"},{"speaker":"Nick Lincoln","startTime":3377.7999999999997,"endTime":3380.5,"body":"and that's where I am now. I"},{"speaker":"Nick Lincoln","startTime":3377.7999999999997,"endTime":3380.5,"body":"also set up humans under"},{"speaker":"Nick Lincoln","startTime":3380.5,"endTime":3383.3199999999997,"body":"management soon, soon after"},{"speaker":"Nick Lincoln","startTime":3380.5,"endTime":3383.3199999999997,"body":"that. So three sort of key"},{"speaker":"Nick Lincoln","startTime":3383.38,"endTime":3388.9,"body":"takeaways. Number one, stick at"},{"speaker":"Nick Lincoln","startTime":3383.38,"endTime":3388.9,"body":"it. Number two, you're going to"},{"speaker":"Nick Lincoln","startTime":3388.9,"endTime":3392.3199999999997,"body":"come across some incredibly"},{"speaker":"Nick Lincoln","startTime":3388.9,"endTime":3392.3199999999997,"body":"tough times along the way. And"},{"speaker":"Nick Lincoln","startTime":3392.3199999999997,"endTime":3395.7999999999997,"body":"number three, ultimately, you're"},{"speaker":"Nick Lincoln","startTime":3392.3199999999997,"endTime":3395.7999999999997,"body":"hopefully going to end up where"},{"speaker":"Nick Lincoln","startTime":3395.7999999999997,"endTime":3397.98,"body":"you want to be. Thank you very"},{"speaker":"Nick Lincoln","startTime":3395.7999999999997,"endTime":3397.98,"body":"much."},{"speaker":"Unknown","startTime":3406.02,"endTime":3407.04,"body":"Boyce,"},{"speaker":"Carl Widger","startTime":3407.22,"endTime":3409.38,"body":"we had lunch"},{"speaker":"Carl Widger","startTime":3407.22,"endTime":3409.38,"body":"earlier on, and Andy was going."},{"speaker":"Carl Widger","startTime":3409.74,"endTime":3412.3199999999997,"body":"So have you rehearsed your"},{"speaker":"Carl Widger","startTime":3409.74,"endTime":3412.3199999999997,"body":"origin story? And I'm like, for"},{"speaker":"Carl Widger","startTime":3412.3199999999997,"endTime":3419.24,"body":"sure, it's my story. Why would I"},{"speaker":"Carl Widger","startTime":3412.3199999999997,"endTime":3419.24,"body":"need to research that? And he"},{"speaker":"Unknown","startTime":3419.24,"endTime":3423.44,"body":"also said he'd rehearse"},{"speaker":"Unknown","startTime":3419.24,"endTime":3423.44,"body":"his rehearsed his to death to"},{"speaker":"Unknown","startTime":3423.44,"endTime":3426.08,"body":"make it really short, and"},{"speaker":"Unknown","startTime":3423.44,"endTime":3426.08,"body":"Christmas,"},{"speaker":"Carl Widger","startTime":3426.08,"endTime":3427.94,"body":"you know, you have"},{"speaker":"Carl Widger","startTime":3426.08,"endTime":3427.94,"body":"to make it seven minutes. You"},{"speaker":"Carl Widger","startTime":3427.94,"endTime":3433.04,"body":"have to. So I'll try and do I"},{"speaker":"Carl Widger","startTime":3427.94,"endTime":3433.04,"body":"like Alan, was a broker"},{"speaker":"Carl Widger","startTime":3433.04,"endTime":3437.38,"body":"consultant for a period of time,"},{"speaker":"Carl Widger","startTime":3433.04,"endTime":3437.38,"body":"and then I joined another firm,"},{"speaker":"Carl Widger","startTime":3437.68,"endTime":3440.74,"body":"and I was sales director in that"},{"speaker":"Carl Widger","startTime":3437.68,"endTime":3440.74,"body":"firm, and the financial crisis"},{"speaker":"Carl Widger","startTime":3440.74,"endTime":3443.5,"body":"of it was bad here, right? I can"},{"speaker":"Carl Widger","startTime":3440.74,"endTime":3443.5,"body":"tell you, right. Also, Irish, we"},{"speaker":"Carl Widger","startTime":3443.5,"endTime":3447.04,"body":"love our property. The whole"},{"speaker":"Carl Widger","startTime":3443.5,"endTime":3447.04,"body":"country literally went bust. We"},{"speaker":"Carl Widger","startTime":3447.04,"endTime":3451.18,"body":"had the IMF in so things went a"},{"speaker":"Carl Widger","startTime":3447.04,"endTime":3451.18,"body":"little bit pear shaped for a"},{"speaker":"Carl Widger","startTime":3451.18,"endTime":3456.9,"body":"while. And I had, I've got"},{"speaker":"Carl Widger","startTime":3451.18,"endTime":3456.9,"body":"triplets who are 18 and"},{"speaker":"Carl Widger","startTime":3457.2,"endTime":3461.7,"body":"following on from the triplets"},{"speaker":"Carl Widger","startTime":3457.2,"endTime":3461.7,"body":"who were born in 2007 my fourth"},{"speaker":"Carl Widger","startTime":3462.0,"endTime":3468.9,"body":"child was born 2008 so in 2010"},{"speaker":"Carl Widger","startTime":3462.0,"endTime":3468.9,"body":"the firm I was in was was not"},{"speaker":"Carl Widger","startTime":3468.9,"endTime":3472.3199999999997,"body":"going great, and I went, Okay, I"},{"speaker":"Carl Widger","startTime":3468.9,"endTime":3472.3199999999997,"body":"need to make sure that I look"},{"speaker":"Carl Widger","startTime":3472.3199999999997,"endTime":3477.92,"body":"after these four small kids. So"},{"speaker":"Carl Widger","startTime":3472.3199999999997,"endTime":3477.92,"body":"I set up on my own and I said,"},{"speaker":"Carl Widger","startTime":3477.92,"endTime":3482.3599999999997,"body":"Okay, I needed to make 8000 a"},{"speaker":"Carl Widger","startTime":3477.92,"endTime":3482.3599999999997,"body":"month, and it was in the times"},{"speaker":"Carl Widger","startTime":3482.3599999999997,"endTime":3485.12,"body":"of high commission and all that"},{"speaker":"Carl Widger","startTime":3482.3599999999997,"endTime":3485.12,"body":"kind of stuff. And I managed to"},{"speaker":"Carl Widger","startTime":3485.12,"endTime":3490.04,"body":"do it. And I went through from"},{"speaker":"Carl Widger","startTime":3485.12,"endTime":3490.04,"body":"2010 and 11 was absolute"},{"speaker":"Carl Widger","startTime":3490.04,"endTime":3494.12,"body":"survival mode. It was, you know,"},{"speaker":"Carl Widger","startTime":3490.04,"endTime":3494.12,"body":"talk about really dark times."},{"speaker":"Carl Widger","startTime":3494.12,"endTime":3496.48,"body":"And I was chatting to Amelia"},{"speaker":"Carl Widger","startTime":3494.12,"endTime":3496.48,"body":"earlier on about, you know,"},{"speaker":"Carl Widger","startTime":3496.8399999999997,"endTime":3500.8599999999997,"body":"things are looking good and"},{"speaker":"Carl Widger","startTime":3496.8399999999997,"endTime":3500.8599999999997,"body":"things are okay now. But by God,"},{"speaker":"Carl Widger","startTime":3500.8599999999997,"endTime":3505.42,"body":"you know, this is, I think"},{"speaker":"Carl Widger","startTime":3500.8599999999997,"endTime":3505.42,"body":"everybody has the have these"},{"speaker":"Carl Widger","startTime":3505.42,"endTime":3508.8399999999997,"body":"kind of stories where it was"},{"speaker":"Carl Widger","startTime":3505.42,"endTime":3508.8399999999997,"body":"really, really, really, really"},{"speaker":"Carl Widger","startTime":3508.8399999999997,"endTime":3515.02,"body":"tough, and around 2012 13, I"},{"speaker":"Carl Widger","startTime":3508.8399999999997,"endTime":3515.02,"body":"probably realized, yeah, I can"},{"speaker":"Carl Widger","startTime":3515.08,"endTime":3519.48,"body":"okay. I can make a go with this."},{"speaker":"Carl Widger","startTime":3515.08,"endTime":3519.48,"body":"But I also started going, we"},{"speaker":"Carl Widger","startTime":3519.48,"endTime":3523.2,"body":"this is not, this is not okay to"},{"speaker":"Carl Widger","startTime":3519.48,"endTime":3523.2,"body":"be charging these high"},{"speaker":"Carl Widger","startTime":3523.2,"endTime":3526.74,"body":"commissions, to be pretending I"},{"speaker":"Carl Widger","startTime":3523.2,"endTime":3526.74,"body":"know what's the best fund out"},{"speaker":"Carl Widger","startTime":3526.74,"endTime":3530.04,"body":"there. You know, believing, like"},{"speaker":"Carl Widger","startTime":3526.74,"endTime":3530.04,"body":"I was totally and utterly"},{"speaker":"Carl Widger","startTime":3530.04,"endTime":3532.3199999999997,"body":"believing the insurance"},{"speaker":"Carl Widger","startTime":3530.04,"endTime":3532.3199999999997,"body":"companies were coming in saying,"},{"speaker":"Carl Widger","startTime":3532.3199999999997,"endTime":3534.66,"body":"This fund is great, and these"},{"speaker":"Carl Widger","startTime":3532.3199999999997,"endTime":3534.66,"body":"are the reasons why. And then I"},{"speaker":"Carl Widger","startTime":3534.66,"endTime":3538.52,"body":"would deliver that message to my"},{"speaker":"Carl Widger","startTime":3534.66,"endTime":3538.52,"body":"clients. And then I, I suppose,"},{"speaker":"Carl Widger","startTime":3538.52,"endTime":3541.94,"body":"grew up here and realized this"},{"speaker":"Carl Widger","startTime":3538.52,"endTime":3541.94,"body":"is, this is this is absolute BS."},{"speaker":"Carl Widger","startTime":3542.48,"endTime":3547.7,"body":"And I started doing a little bit"},{"speaker":"Carl Widger","startTime":3542.48,"endTime":3547.7,"body":"of research into, is there"},{"speaker":"Carl Widger","startTime":3547.7,"endTime":3551.2999999999997,"body":"another way of doing this kind"},{"speaker":"Carl Widger","startTime":3547.7,"endTime":3551.2999999999997,"body":"of business? And then I first"},{"speaker":"Carl Widger","startTime":3551.2999999999997,"endTime":3553.8199999999997,"body":"brought me to, and I'm probably"},{"speaker":"Carl Widger","startTime":3551.2999999999997,"endTime":3553.8199999999997,"body":"going over some old ground here,"},{"speaker":"Carl Widger","startTime":3553.94,"endTime":3556.72,"body":"but went to the US, and I saw"},{"speaker":"Carl Widger","startTime":3553.94,"endTime":3556.72,"body":"this, the whole financial"},{"speaker":"Carl Widger","startTime":3556.72,"endTime":3560.38,"body":"planning thing. And obviously it"},{"speaker":"Carl Widger","startTime":3556.72,"endTime":3560.38,"body":"was, it was probably starting"},{"speaker":"Carl Widger","startTime":3560.38,"endTime":3564.7,"body":"and beginning to gain momentum"},{"speaker":"Carl Widger","startTime":3560.38,"endTime":3564.7,"body":"here in the UK. So I was doing,"},{"speaker":"Carl Widger","startTime":3564.7,"endTime":3567.3399999999997,"body":"you know, trying to make as much"},{"speaker":"Carl Widger","startTime":3564.7,"endTime":3567.3399999999997,"body":"contact as I could. So 2014"},{"speaker":"Carl Widger","startTime":3568.24,"endTime":3570.64,"body":"right? We're going to start made"},{"speaker":"Carl Widger","startTime":3568.24,"endTime":3570.64,"body":"as Ireland. So it was like,"},{"speaker":"Carl Widger","startTime":3570.64,"endTime":3572.98,"body":"called with your financial"},{"speaker":"Carl Widger","startTime":3570.64,"endTime":3572.98,"body":"planning before that. So matters"},{"speaker":"Carl Widger","startTime":3572.98,"endTime":3575.3199999999997,"body":"Ireland was started, and it was"},{"speaker":"Carl Widger","startTime":3572.98,"endTime":3575.3199999999997,"body":"like, we're going to do"},{"speaker":"Carl Widger","startTime":3575.3199999999997,"endTime":3577.7999999999997,"body":"financial planning, but being"},{"speaker":"Carl Widger","startTime":3575.3199999999997,"endTime":3577.7999999999997,"body":"honest, we were doing a little"},{"speaker":"Carl Widger","startTime":3577.7999999999997,"endTime":3580.14,"body":"bit of the other stuff as well,"},{"speaker":"Carl Widger","startTime":3577.7999999999997,"endTime":3580.14,"body":"right? So? And then around 2015"},{"speaker":"Carl Widger","startTime":3580.92,"endTime":3585.9,"body":"16, we went, Okay, we're just"},{"speaker":"Carl Widger","startTime":3580.92,"endTime":3585.9,"body":"going all in on this. And then"},{"speaker":"Carl Widger","startTime":3585.9,"endTime":3588.9,"body":"it was really tough again,"},{"speaker":"Carl Widger","startTime":3585.9,"endTime":3588.9,"body":"because there was people going,"},{"speaker":"Carl Widger","startTime":3589.3199999999997,"endTime":3593.52,"body":"you know, my, my pension guy"},{"speaker":"Carl Widger","startTime":3589.3199999999997,"endTime":3593.52,"body":"used to come and tell me about"},{"speaker":"Carl Widger","startTime":3593.58,"endTime":3597.2,"body":"everything he knew about funds"},{"speaker":"Carl Widger","startTime":3593.58,"endTime":3597.2,"body":"in the markets is now asking me"},{"speaker":"Carl Widger","startTime":3597.2599999999998,"endTime":3600.68,"body":"about my my goals, dreams and"},{"speaker":"Carl Widger","startTime":3597.2599999999998,"endTime":3600.68,"body":"aspirations. And it was all a"},{"speaker":"Carl Widger","startTime":3600.68,"endTime":3606.68,"body":"bit like, who this is a bit"},{"speaker":"Carl Widger","startTime":3600.68,"endTime":3606.68,"body":"weird, but we stuck with it. And"},{"speaker":"Carl Widger","startTime":3606.68,"endTime":3610.1,"body":"this is, you know, you I think"},{"speaker":"Carl Widger","startTime":3606.68,"endTime":3610.1,"body":"I'm repeating what kind of has"},{"speaker":"Carl Widger","startTime":3610.1,"endTime":3613.88,"body":"been said already. We really did"},{"speaker":"Carl Widger","startTime":3610.1,"endTime":3613.88,"body":"stick with it. And myself and"},{"speaker":"Carl Widger","startTime":3613.88,"endTime":3616.6,"body":"Carl Daley, who founded the"},{"speaker":"Carl Widger","startTime":3613.88,"endTime":3616.6,"body":"business with me, back back,"},{"speaker":"Carl Widger","startTime":3616.66,"endTime":3620.56,"body":"back in 2014 we went a number of"},{"speaker":"Carl Widger","startTime":3616.66,"endTime":3620.56,"body":"months, a number of months"},{"speaker":"Carl Widger","startTime":3620.56,"endTime":3623.8599999999997,"body":"without getting paid, but we had"},{"speaker":"Carl Widger","startTime":3620.56,"endTime":3623.8599999999997,"body":"the courage of our conviction"},{"speaker":"Carl Widger","startTime":3623.8599999999997,"endTime":3626.98,"body":"that this was the right thing to"},{"speaker":"Carl Widger","startTime":3623.8599999999997,"endTime":3626.98,"body":"do for our clients, and that"},{"speaker":"Carl Widger","startTime":3626.98,"endTime":3631.0,"body":"after a while, we would get to a"},{"speaker":"Carl Widger","startTime":3626.98,"endTime":3631.0,"body":"certain stage whereby clients"},{"speaker":"Carl Widger","startTime":3631.0,"endTime":3633.2799999999997,"body":"would start talking to each"},{"speaker":"Carl Widger","startTime":3631.0,"endTime":3633.2799999999997,"body":"other, and that's exactly what"},{"speaker":"Carl Widger","startTime":3633.2799999999997,"endTime":3637.2599999999998,"body":"did happen. But there are, there"},{"speaker":"Carl Widger","startTime":3633.2799999999997,"endTime":3637.2599999999998,"body":"are kind of speed bumps along"},{"speaker":"Carl Widger","startTime":3637.2599999999998,"endTime":3639.8399999999997,"body":"the way, and there's, there's"},{"speaker":"Carl Widger","startTime":3637.2599999999998,"endTime":3639.8399999999997,"body":"times where you will question"},{"speaker":"Carl Widger","startTime":3639.8399999999997,"endTime":3643.2599999999998,"body":"yourself. And I remember you did"},{"speaker":"Carl Widger","startTime":3639.8399999999997,"endTime":3643.2599999999998,"body":"a you brought humans under"},{"speaker":"Carl Widger","startTime":3643.2599999999998,"endTime":3646.8599999999997,"body":"management to to Dublin, and I"},{"speaker":"Carl Widger","startTime":3643.2599999999998,"endTime":3646.8599999999997,"body":"did a talk, and it was all about"},{"speaker":"Carl Widger","startTime":3647.04,"endTime":3650.46,"body":"at that stage, we probably got"},{"speaker":"Carl Widger","startTime":3647.04,"endTime":3650.46,"body":"to in around 100 million, I"},{"speaker":"Carl Widger","startTime":3650.46,"endTime":3653.88,"body":"would say. And I was very proud"},{"speaker":"Carl Widger","startTime":3650.46,"endTime":3653.88,"body":"of it, and I was very proud of"},{"speaker":"Carl Widger","startTime":3653.88,"endTime":3658.58,"body":"we were doing it. But through"},{"speaker":"Carl Widger","startTime":3653.88,"endTime":3658.58,"body":"financial planning and index"},{"speaker":"Carl Widger","startTime":3658.58,"endTime":3661.88,"body":"investing, Evidence Based"},{"speaker":"Carl Widger","startTime":3658.58,"endTime":3661.88,"body":"Investing, and I wasn't, you"},{"speaker":"Carl Widger","startTime":3661.88,"endTime":3665.48,"body":"know, beholden to any fund"},{"speaker":"Carl Widger","startTime":3661.88,"endTime":3665.48,"body":"manager, and nobody was paying"},{"speaker":"Carl Widger","startTime":3665.48,"endTime":3668.3599999999997,"body":"the bills the clients were"},{"speaker":"Carl Widger","startTime":3665.48,"endTime":3668.3599999999997,"body":"paying. And it was all done as I"},{"speaker":"Carl Widger","startTime":3668.3599999999997,"endTime":3671.42,"body":"would say, you know, the right"},{"speaker":"Carl Widger","startTime":3668.3599999999997,"endTime":3671.42,"body":"way. And I remember doing the"},{"speaker":"Carl Widger","startTime":3671.42,"endTime":3674.0,"body":"talk, and I put it all out"},{"speaker":"Carl Widger","startTime":3671.42,"endTime":3674.0,"body":"there, and here's all the things"},{"speaker":"Carl Widger","startTime":3674.0,"endTime":3679.18,"body":"that we do. And I. Got a lot of"},{"speaker":"Carl Widger","startTime":3674.0,"endTime":3679.18,"body":"great feedback. And one person"},{"speaker":"Carl Widger","startTime":3680.2,"endTime":3683.56,"body":"came up to me afterwards and"},{"speaker":"Carl Widger","startTime":3680.2,"endTime":3683.56,"body":"went, my God, you are such a"},{"speaker":"Carl Widger","startTime":3683.56,"endTime":3688.24,"body":"bullshitter. And it was it, I"},{"speaker":"Carl Widger","startTime":3683.56,"endTime":3688.24,"body":"can I promise you, right? This"},{"speaker":"Carl Widger","startTime":3688.24,"endTime":3691.54,"body":"was at a time where I was"},{"speaker":"Carl Widger","startTime":3688.24,"endTime":3691.54,"body":"feeling good and the business"},{"speaker":"Carl Widger","startTime":3691.72,"endTime":3695.68,"body":"was going well, and it knocked"},{"speaker":"Carl Widger","startTime":3691.72,"endTime":3695.68,"body":"me, and I would say, you know,"},{"speaker":"Carl Widger","startTime":3695.68,"endTime":3699.72,"body":"don't let the haters hate, I can"},{"speaker":"Carl Widger","startTime":3695.68,"endTime":3699.72,"body":"promise you now, right? And"},{"speaker":"Carl Widger","startTime":3699.72,"endTime":3702.3599999999997,"body":"we've, we're always laughing"},{"speaker":"Carl Widger","startTime":3699.72,"endTime":3702.3599999999997,"body":"about, you know, when I talk"},{"speaker":"Carl Widger","startTime":3702.3599999999997,"endTime":3707.4,"body":"about cryptocurrency, I get it"},{"speaker":"Carl Widger","startTime":3702.3599999999997,"endTime":3707.4,"body":"online. It does not bother me in"},{"speaker":"Carl Widger","startTime":3707.4,"endTime":3711.0,"body":"the slightest, but it took a"},{"speaker":"Carl Widger","startTime":3707.4,"endTime":3711.0,"body":"good while for me to gain the"},{"speaker":"Carl Widger","startTime":3711.0,"endTime":3716.7799999999997,"body":"maturity to go I don't care. I"},{"speaker":"Carl Widger","startTime":3711.0,"endTime":3716.7799999999997,"body":"know what I believe in, and I"},{"speaker":"Carl Widger","startTime":3716.7799999999997,"endTime":3720.7999999999997,"body":"don't mind sharing my beliefs"},{"speaker":"Carl Widger","startTime":3716.7799999999997,"endTime":3720.7999999999997,"body":"with anybody else. I don't mind"},{"speaker":"Carl Widger","startTime":3720.7999999999997,"endTime":3724.3399999999997,"body":"what your beliefs are. I really"},{"speaker":"Carl Widger","startTime":3720.7999999999997,"endTime":3724.3399999999997,"body":"don't, and I will respect them,"},{"speaker":"Carl Widger","startTime":3724.8199999999997,"endTime":3728.2999999999997,"body":"as long as you're not shouting"},{"speaker":"Carl Widger","startTime":3724.8199999999997,"endTime":3728.2999999999997,"body":"at me with your beliefs. But I"},{"speaker":"Carl Widger","startTime":3728.2999999999997,"endTime":3733.04,"body":"am going to remain steadfast in"},{"speaker":"Carl Widger","startTime":3728.2999999999997,"endTime":3733.04,"body":"what I believe in, and that's"},{"speaker":"Carl Widger","startTime":3733.04,"endTime":3736.58,"body":"why I believe meadows, Ireland"},{"speaker":"Carl Widger","startTime":3733.04,"endTime":3736.58,"body":"is the success that it is today."},{"speaker":"Carl Widger","startTime":3736.94,"endTime":3741.1,"body":"So I would say, you know, that"},{"speaker":"Carl Widger","startTime":3736.94,"endTime":3741.1,"body":"this sticking with it, there are"},{"speaker":"Carl Widger","startTime":3741.1,"endTime":3744.8199999999997,"body":"going to be tough times. I had a"},{"speaker":"Carl Widger","startTime":3741.1,"endTime":3744.8199999999997,"body":"chat with Alan. We met, and we"},{"speaker":"Carl Widger","startTime":3744.8199999999997,"endTime":3747.64,"body":"went for a walk this morning,"},{"speaker":"Carl Widger","startTime":3744.8199999999997,"endTime":3747.64,"body":"and I shared a few challenges"},{"speaker":"Carl Widger","startTime":3747.64,"endTime":3750.2799999999997,"body":"I'm having at the moment. So"},{"speaker":"Carl Widger","startTime":3747.64,"endTime":3750.2799999999997,"body":"this is not all plain sailing,"},{"speaker":"Carl Widger","startTime":3751.06,"endTime":3754.18,"body":"you know, there are challenges"},{"speaker":"Carl Widger","startTime":3751.06,"endTime":3754.18,"body":"along the way. And I would say,"},{"speaker":"Carl Widger","startTime":3754.18,"endTime":3757.5,"body":"if you go back to even 2010 you"},{"speaker":"Carl Widger","startTime":3754.18,"endTime":3757.5,"body":"know, when I started the"},{"speaker":"Carl Widger","startTime":3757.5,"endTime":3761.88,"body":"business. And then, you know,"},{"speaker":"Carl Widger","startTime":3757.5,"endTime":3761.88,"body":"there was no grand plan. So I'd"},{"speaker":"Carl Widger","startTime":3761.88,"endTime":3765.06,"body":"love to tell you that I had this"},{"speaker":"Carl Widger","startTime":3761.88,"endTime":3765.06,"body":"vision to build this financial"},{"speaker":"Carl Widger","startTime":3765.06,"endTime":3768.0,"body":"planning firm. It didn't. It was"},{"speaker":"Carl Widger","startTime":3765.06,"endTime":3768.0,"body":"like when I had a few quit in"},{"speaker":"Carl Widger","startTime":3768.0,"endTime":3770.04,"body":"the bank, said, Oh, I'll hire"},{"speaker":"Carl Widger","startTime":3768.0,"endTime":3770.04,"body":"someone to do that job that I"},{"speaker":"Carl Widger","startTime":3770.04,"endTime":3773.46,"body":"don't like. And that's how it"},{"speaker":"Carl Widger","startTime":3770.04,"endTime":3773.46,"body":"kind of evolved, until such time"},{"speaker":"Carl Widger","startTime":3773.46,"endTime":3777.2,"body":"as it became, there's something"},{"speaker":"Carl Widger","startTime":3773.46,"endTime":3777.2,"body":"here. And then I went, we're"},{"speaker":"Carl Widger","startTime":3777.2,"endTime":3780.74,"body":"going to go big in this and I"},{"speaker":"Carl Widger","startTime":3777.2,"endTime":3780.74,"body":"have big targets, I have big"},{"speaker":"Carl Widger","startTime":3780.74,"endTime":3785.9,"body":"goals, I have big dreams. And"},{"speaker":"Carl Widger","startTime":3780.74,"endTime":3785.9,"body":"I'm a very driven person. I'm"},{"speaker":"Carl Widger","startTime":3785.9,"endTime":3790.16,"body":"very ambitious, and that's what"},{"speaker":"Carl Widger","startTime":3785.9,"endTime":3790.16,"body":"drives me on now. But I know"},{"speaker":"Carl Widger","startTime":3790.16,"endTime":3792.56,"body":"that I can go, and I can put my"},{"speaker":"Carl Widger","startTime":3790.16,"endTime":3792.56,"body":"head in my pillow at night and"},{"speaker":"Carl Widger","startTime":3792.56,"endTime":3796.22,"body":"go, I am doing we at meadows,"},{"speaker":"Carl Widger","startTime":3792.56,"endTime":3796.22,"body":"Ireland are doing the right"},{"speaker":"Carl Widger","startTime":3796.22,"endTime":3799.8399999999997,"body":"thing by our clients every"},{"speaker":"Carl Widger","startTime":3796.22,"endTime":3799.8399999999997,"body":"single day, and I know everyone"},{"speaker":"Carl Widger","startTime":3799.8399999999997,"endTime":3802.54,"body":"in this room is doing the same"},{"speaker":"Carl Widger","startTime":3799.8399999999997,"endTime":3802.54,"body":"thing, and that's bloody"},{"speaker":"Carl Widger","startTime":3802.54,"endTime":3807.3399999999997,"body":"inspiring. It really is. And the"},{"speaker":"Carl Widger","startTime":3802.54,"endTime":3807.3399999999997,"body":"last thing I would say is, when"},{"speaker":"Carl Widger","startTime":3807.3399999999997,"endTime":3810.52,"body":"I started off because of this"},{"speaker":"Carl Widger","startTime":3807.3399999999997,"endTime":3810.52,"body":"drive and this ambition, and"},{"speaker":"Carl Widger","startTime":3810.7,"endTime":3814.66,"body":"I'll, I'm just going to go, and"},{"speaker":"Carl Widger","startTime":3810.7,"endTime":3814.66,"body":"I could never celebrate, you"},{"speaker":"Carl Widger","startTime":3814.66,"endTime":3820.02,"body":"know, the journey, right? It was"},{"speaker":"Carl Widger","startTime":3814.66,"endTime":3820.02,"body":"always target, don't move on."},{"speaker":"Carl Widger","startTime":3820.44,"endTime":3823.8599999999997,"body":"And the problem with that is"},{"speaker":"Carl Widger","startTime":3820.44,"endTime":3823.8599999999997,"body":"twofold, right? Personally, I"},{"speaker":"Carl Widger","startTime":3823.8599999999997,"endTime":3827.88,"body":"found it very difficult to enjoy"},{"speaker":"Carl Widger","startTime":3823.8599999999997,"endTime":3827.88,"body":"any part of it, but I also did"},{"speaker":"Carl Widger","startTime":3827.88,"endTime":3831.6,"body":"not treat the people who were in"},{"speaker":"Carl Widger","startTime":3827.88,"endTime":3831.6,"body":"my teams at the time with the"},{"speaker":"Carl Widger","startTime":3832.02,"endTime":3835.14,"body":"respect and the gratitude that"},{"speaker":"Carl Widger","startTime":3832.02,"endTime":3835.14,"body":"they deserved. And I lost some"},{"speaker":"Carl Widger","startTime":3835.14,"endTime":3839.18,"body":"people along the way, and I have"},{"speaker":"Carl Widger","startTime":3835.14,"endTime":3839.18,"body":"told them that, and I'm very,"},{"speaker":"Carl Widger","startTime":3839.18,"endTime":3842.54,"body":"very sorry that that that"},{"speaker":"Carl Widger","startTime":3839.18,"endTime":3842.54,"body":"happened. So, you know, you"},{"speaker":"Carl Widger","startTime":3842.54,"endTime":3846.44,"body":"know, be respectful, and, you"},{"speaker":"Carl Widger","startTime":3842.54,"endTime":3846.44,"body":"know, try. And I'm all about the"},{"speaker":"Carl Widger","startTime":3846.44,"endTime":3849.14,"body":"team now, and we'll all go"},{"speaker":"Carl Widger","startTime":3846.44,"endTime":3849.14,"body":"together, and we'll all try and"},{"speaker":"Carl Widger","startTime":3849.2,"endTime":3853.16,"body":"like, look, it's not, this is"},{"speaker":"Carl Widger","startTime":3849.2,"endTime":3853.16,"body":"probably the kumbaya moment"},{"speaker":"Carl Widger","startTime":3853.16,"endTime":3855.5,"body":"dick, but it's, you know, it's"},{"speaker":"Carl Widger","startTime":3853.16,"endTime":3855.5,"body":"not the Brady Bunch. It's a"},{"speaker":"Carl Widger","startTime":3855.5,"endTime":3857.72,"body":"business. We don't mind that."},{"speaker":"Carl Widger","startTime":3855.5,"endTime":3857.72,"body":"We're going to go and we're"},{"speaker":"Carl Widger","startTime":3857.72,"endTime":3861.4,"body":"going to go and we're going to"},{"speaker":"Carl Widger","startTime":3857.72,"endTime":3861.4,"body":"be profitable together, but"},{"speaker":"Carl Widger","startTime":3861.4,"endTime":3864.22,"body":"we're all going to look after"},{"speaker":"Carl Widger","startTime":3861.4,"endTime":3864.22,"body":"each other as"},{"speaker":"Unknown","startTime":3865.0,"endTime":3870.7599999999998,"body":"well. And I would say"},{"speaker":"Unknown","startTime":3865.0,"endTime":3870.7599999999998,"body":"the"},{"speaker":"Nick Lincoln","startTime":3872.2,"endTime":3874.0,"body":"George Kinder is"},{"speaker":"Nick Lincoln","startTime":3872.2,"endTime":3874.0,"body":"coming here, isn't he?"},{"speaker":"Unknown","startTime":3875.02,"endTime":3877.3199999999997,"body":"He's already here. He's"},{"speaker":"Unknown","startTime":3875.02,"endTime":3877.3199999999997,"body":"already here. Stop there."},{"speaker":"Unknown","startTime":3878.7,"endTime":3881.46,"body":"Hi George. Welcome George. But"},{"speaker":"Unknown","startTime":3878.7,"endTime":3881.46,"body":"yeah,"},{"speaker":"Carl Widger","startTime":3881.58,"endTime":3883.14,"body":"the very last thing"},{"speaker":"Carl Widger","startTime":3881.58,"endTime":3883.14,"body":"he would say, you know the"},{"speaker":"Carl Widger","startTime":3883.2,"endTime":3887.52,"body":"destination and the journey,"},{"speaker":"Carl Widger","startTime":3883.2,"endTime":3887.52,"body":"that's that's a point well made"},{"speaker":"Carl Widger","startTime":3887.52,"endTime":3890.04,"body":"all the time, but I read"},{"speaker":"Carl Widger","startTime":3887.52,"endTime":3890.04,"body":"something very recently, the"},{"speaker":"Carl Widger","startTime":3890.04,"endTime":3895.98,"body":"last few weeks. It's about who's"},{"speaker":"Carl Widger","startTime":3890.04,"endTime":3895.98,"body":"on the journey with you. For me,"},{"speaker":"Carl Widger","startTime":3896.46,"endTime":3900.14,"body":"that changes the mindset"},{"speaker":"Carl Widger","startTime":3896.46,"endTime":3900.14,"body":"entirely, so professionally and"},{"speaker":"Carl Widger","startTime":3900.14,"endTime":3903.92,"body":"personally, who's on that"},{"speaker":"Carl Widger","startTime":3900.14,"endTime":3903.92,"body":"journey with me, and that makes"},{"speaker":"Carl Widger","startTime":3903.92,"endTime":3906.98,"body":"all the difference. And I you"},{"speaker":"Carl Widger","startTime":3903.92,"endTime":3906.98,"body":"know, if you take a step back"},{"speaker":"Carl Widger","startTime":3907.7599999999998,"endTime":3911.06,"body":"and we'll get to the culture"},{"speaker":"Carl Widger","startTime":3907.7599999999998,"endTime":3911.06,"body":"corners, you'll, you'll, you'll"},{"speaker":"Carl Widger","startTime":3911.06,"endTime":3913.64,"body":"see there's a kind of theme"},{"speaker":"Carl Widger","startTime":3911.06,"endTime":3913.64,"body":"happening with me at the moment,"},{"speaker":"Carl Widger","startTime":3913.64,"endTime":3917.2,"body":"but I do feel like I'm mentoring"},{"speaker":"Carl Widger","startTime":3913.64,"endTime":3917.2,"body":"this new phase in my life, and"},{"speaker":"Carl Widger","startTime":3917.44,"endTime":3922.18,"body":"it's very exciting, but it's not"},{"speaker":"Carl Widger","startTime":3917.44,"endTime":3922.18,"body":"going to be plain sailing, and"},{"speaker":"Carl Widger","startTime":3922.18,"endTime":3925.24,"body":"there's been a lot of hard yards"},{"speaker":"Carl Widger","startTime":3922.18,"endTime":3925.24,"body":"to get to where I am Now."},{"speaker":"Nick Lincoln","startTime":3935.2,"endTime":3937.38,"body":"Follow that."},{"speaker":"Nick Lincoln","startTime":3935.2,"endTime":3937.38,"body":"Follow those three fantastic"},{"speaker":"Nick Lincoln","startTime":3937.8599999999997,"endTime":3940.92,"body":"little stories there that was"},{"speaker":"Nick Lincoln","startTime":3937.8599999999997,"endTime":3940.92,"body":"really good. So I guess I come"},{"speaker":"Nick Lincoln","startTime":3940.92,"endTime":3943.2599999999998,"body":"from a different perspective,"},{"speaker":"Nick Lincoln","startTime":3940.92,"endTime":3943.2599999999998,"body":"more with Ultra really"},{"speaker":"Nick Lincoln","startTime":3944.1,"endTime":3948.66,"body":"storyteller and della Bucha,"},{"speaker":"Nick Lincoln","startTime":3944.1,"endTime":3948.66,"body":"multi ri firms, big, big number"},{"speaker":"Nick Lincoln","startTime":3948.66,"endTime":3952.74,"body":"of staff, serious operations"},{"speaker":"Nick Lincoln","startTime":3948.66,"endTime":3952.74,"body":"Andy myself are much more solo"},{"speaker":"Nick Lincoln","startTime":3952.74,"endTime":3957.08,"body":"IFA firms. So we come to it from"},{"speaker":"Nick Lincoln","startTime":3952.74,"endTime":3957.08,"body":"a different perspective, my"},{"speaker":"Nick Lincoln","startTime":3957.08,"endTime":3960.8599999999997,"body":"story very quickly. Again,"},{"speaker":"Nick Lincoln","startTime":3957.08,"endTime":3960.8599999999997,"body":"recurring theme. I was a broker"},{"speaker":"Nick Lincoln","startTime":3960.8599999999997,"endTime":3963.92,"body":"rep, broker consultant in the"},{"speaker":"Nick Lincoln","startTime":3960.8599999999997,"endTime":3963.92,"body":"late 1990s for what was allied"},{"speaker":"Nick Lincoln","startTime":3963.92,"endTime":3967.16,"body":"Dunbar IFA division became"},{"speaker":"Nick Lincoln","startTime":3963.92,"endTime":3967.16,"body":"Zurich, and I was calling on"},{"speaker":"Nick Lincoln","startTime":3967.16,"endTime":3972.2599999999998,"body":"these ifas in in northwest"},{"speaker":"Nick Lincoln","startTime":3967.16,"endTime":3972.2599999999998,"body":"London. And these were sort of"},{"speaker":"Nick Lincoln","startTime":3972.2599999999998,"endTime":3973.22,"body":"low grade people."},{"speaker":"Unknown","startTime":3975.859,"endTime":3979.839,"body":"It. I speak highly of,"},{"speaker":"Unknown","startTime":3975.859,"endTime":3979.839,"body":"you know, Nick, to be fair,"},{"speaker":"Nick Lincoln","startTime":3980.38,"endTime":3983.44,"body":"I saw kin. These"},{"speaker":"Nick Lincoln","startTime":3980.38,"endTime":3983.44,"body":"weren't great people, and they"},{"speaker":"Nick Lincoln","startTime":3983.44,"endTime":3985.96,"body":"didn't really have great"},{"speaker":"Nick Lincoln","startTime":3983.44,"endTime":3985.96,"body":"interpersonal skills, but"},{"speaker":"Nick Lincoln","startTime":3985.96,"endTime":3988.2999999999997,"body":"they're making a good living."},{"speaker":"Nick Lincoln","startTime":3985.96,"endTime":3988.2999999999997,"body":"And I was calling on them,"},{"speaker":"Nick Lincoln","startTime":3988.2999999999997,"endTime":3991.24,"body":"thinking, by the way, I wasn't"},{"speaker":"Nick Lincoln","startTime":3988.2999999999997,"endTime":3991.24,"body":"really cut out for corporate"},{"speaker":"Nick Lincoln","startTime":3991.24,"endTime":3995.08,"body":"life, you know. So, you know,"},{"speaker":"Nick Lincoln","startTime":3991.24,"endTime":3995.08,"body":"working for little shit, working"},{"speaker":"Nick Lincoln","startTime":3995.08,"endTime":3998.52,"body":"for big life, co endless, you"},{"speaker":"Nick Lincoln","startTime":3995.08,"endTime":3998.52,"body":"know, KPIs and just everything."},{"speaker":"Nick Lincoln","startTime":3998.52,"endTime":4001.2799999999997,"body":"Was metrics, and it wasn't"},{"speaker":"Nick Lincoln","startTime":3998.52,"endTime":4001.2799999999997,"body":"office politics. And I was kind"},{"speaker":"Nick Lincoln","startTime":4001.2799999999997,"endTime":4003.7999999999997,"body":"of losing my will to live in"},{"speaker":"Nick Lincoln","startTime":4001.2799999999997,"endTime":4003.7999999999997,"body":"there. Then I was calling on the"},{"speaker":"Nick Lincoln","startTime":4003.7999999999997,"endTime":4005.72,"body":"Dire face, thinking, well,"},{"speaker":"Nick Lincoln","startTime":4003.7999999999997,"endTime":4005.72,"body":"they're making a good living."},{"speaker":"Nick Lincoln","startTime":4005.72,"endTime":4008.42,"body":"I'll jump ship. So in 2001 I"},{"speaker":"Nick Lincoln","startTime":4005.72,"endTime":4008.42,"body":"joined a local firm in"},{"speaker":"Nick Lincoln","startTime":4008.42,"endTime":4012.38,"body":"borehamwood, and they were three"},{"speaker":"Nick Lincoln","startTime":4008.42,"endTime":4012.38,"body":"plus a half group personal"},{"speaker":"Nick Lincoln","startTime":4012.38,"endTime":4015.02,"body":"pensions. They would do anything"},{"speaker":"Nick Lincoln","startTime":4012.38,"endTime":4015.02,"body":"for anybody. Oh, yeah, seven"},{"speaker":"Nick Lincoln","startTime":4015.02,"endTime":4017.62,"body":"grand pet for your grandson."},{"speaker":"Nick Lincoln","startTime":4015.02,"endTime":4017.62,"body":"Yeah, we'll do that. Give it a"},{"speaker":"Nick Lincoln","startTime":4018.22,"endTime":4020.7999999999997,"body":"go. No, they weren't, they"},{"speaker":"Nick Lincoln","startTime":4018.22,"endTime":4020.7999999999997,"body":"weren't unethical, but it was"},{"speaker":"Nick Lincoln","startTime":4020.7999999999997,"endTime":4024.16,"body":"just old school, and it was at"},{"speaker":"Nick Lincoln","startTime":4020.7999999999997,"endTime":4024.16,"body":"fund managers with profit bonds,"},{"speaker":"Nick Lincoln","startTime":4024.16,"endTime":4028.06,"body":"the normal crud. And after a few"},{"speaker":"Nick Lincoln","startTime":4024.16,"endTime":4028.06,"body":"years there, and they, but they"},{"speaker":"Nick Lincoln","startTime":4028.06,"endTime":4030.7,"body":"were very good to me, I've got"},{"speaker":"Nick Lincoln","startTime":4028.06,"endTime":4030.7,"body":"to say they were, you know,"},{"speaker":"Nick Lincoln","startTime":4030.7,"endTime":4035.68,"body":"decent people most the time. And"},{"speaker":"Nick Lincoln","startTime":4030.7,"endTime":4035.68,"body":"I had this epiphany moment, the"},{"speaker":"Nick Lincoln","startTime":4035.68,"endTime":4037.8399999999997,"body":"thing for me. And I talked about"},{"speaker":"Nick Lincoln","startTime":4035.68,"endTime":4037.8399999999997,"body":"this before, but I can't, I"},{"speaker":"Nick Lincoln","startTime":4037.8399999999997,"endTime":4041.58,"body":"cannot add some epiphany in this"},{"speaker":"Nick Lincoln","startTime":4037.8399999999997,"endTime":4041.58,"body":"epiphany in 2008 and I went to"},{"speaker":"Nick Lincoln","startTime":4041.58,"endTime":4045.06,"body":"this seminar, which I had to pay"},{"speaker":"Nick Lincoln","startTime":4041.58,"endTime":4045.06,"body":"for to go to. So back in 2008"},{"speaker":"Nick Lincoln","startTime":4045.54,"endTime":4048.8399999999997,"body":"and I, here's me an IFA shelling"},{"speaker":"Nick Lincoln","startTime":4045.54,"endTime":4048.8399999999997,"body":"out to come to something,"},{"speaker":"Nick Lincoln","startTime":4048.8399999999997,"endTime":4052.2,"body":"whereas now, I mean, well, your"},{"speaker":"Nick Lincoln","startTime":4048.8399999999997,"endTime":4052.2,"body":"evidence of this and probably"},{"speaker":"Nick Lincoln","startTime":4052.2,"endTime":4055.92,"body":"regretting every minute of it. I"},{"speaker":"Nick Lincoln","startTime":4052.2,"endTime":4055.92,"body":"paid to go to this seminar. And"},{"speaker":"Nick Lincoln","startTime":4056.7599999999998,"endTime":4060.62,"body":"there's with a guy who is very"},{"speaker":"Nick Lincoln","startTime":4056.7599999999998,"endTime":4060.62,"body":"much a bother or Marmite"},{"speaker":"Nick Lincoln","startTime":4060.62,"endTime":4063.62,"body":"character, but I think he's been"},{"speaker":"Nick Lincoln","startTime":4060.62,"endTime":4063.62,"body":"an enormous force for good. He"},{"speaker":"Nick Lincoln","startTime":4063.62,"endTime":4068.54,"body":"has rough edges. The seminar was"},{"speaker":"Nick Lincoln","startTime":4063.62,"endTime":4068.54,"body":"run by Paul Armisen. He talked"},{"speaker":"Nick Lincoln","startTime":4068.54,"endTime":4071.12,"body":"about financial planning,"},{"speaker":"Nick Lincoln","startTime":4068.54,"endTime":4071.12,"body":"lifestyle financial planning,"},{"speaker":"Nick Lincoln","startTime":4071.3599999999997,"endTime":4073.94,"body":"about making the people the"},{"speaker":"Nick Lincoln","startTime":4071.3599999999997,"endTime":4073.94,"body":"center of everything. He"},{"speaker":"Nick Lincoln","startTime":4073.94,"endTime":4076.66,"body":"demonstrated quickly truth,"},{"speaker":"Nick Lincoln","startTime":4073.94,"endTime":4076.66,"body":"because really, these seminars"},{"speaker":"Nick Lincoln","startTime":4076.66,"endTime":4080.2,"body":"are away from to sell truth,"},{"speaker":"Nick Lincoln","startTime":4076.66,"endTime":4080.2,"body":"okay? And that's fine. It's it's"},{"speaker":"Nick Lincoln","startTime":4080.2,"endTime":4083.02,"body":"a it's a commercial world we"},{"speaker":"Nick Lincoln","startTime":4080.2,"endTime":4083.02,"body":"live in. And I was absolutely"},{"speaker":"Nick Lincoln","startTime":4083.02,"endTime":4086.74,"body":"blown away by this. And just as"},{"speaker":"Nick Lincoln","startTime":4083.02,"endTime":4086.74,"body":"a show of hands, who in the room"},{"speaker":"Nick Lincoln","startTime":4086.74,"endTime":4089.44,"body":"thinks Paul Armisen has been a"},{"speaker":"Nick Lincoln","startTime":4086.74,"endTime":4089.44,"body":"force in the round? Who thinks"},{"speaker":"Nick Lincoln","startTime":4089.44,"endTime":4092.74,"body":"that Paul Armisen has been a"},{"speaker":"Nick Lincoln","startTime":4089.44,"endTime":4092.74,"body":"force for good? Yeah, and I"},{"speaker":"Nick Lincoln","startTime":4092.74,"endTime":4095.2,"body":"think he gets a lot of shit in"},{"speaker":"Nick Lincoln","startTime":4092.74,"endTime":4095.2,"body":"the neck because he puts his"},{"speaker":"Nick Lincoln","startTime":4095.2,"endTime":4097.4400000000005,"body":"neck on the line. But that man"},{"speaker":"Nick Lincoln","startTime":4095.2,"endTime":4097.4400000000005,"body":"has changed so many lives."},{"speaker":"Nick Lincoln","startTime":4097.4400000000005,"endTime":4099.72,"body":"Anyway, I came back from this"},{"speaker":"Nick Lincoln","startTime":4097.4400000000005,"endTime":4099.72,"body":"seminar, and I thought I went"},{"speaker":"Nick Lincoln","startTime":4099.72,"endTime":4102.96,"body":"back to my other directors who"},{"speaker":"Nick Lincoln","startTime":4099.72,"endTime":4102.96,"body":"have just pulled out the trough,"},{"speaker":"Nick Lincoln","startTime":4105.06,"endTime":4109.2,"body":"and I said, lifestyle, financial"},{"speaker":"Nick Lincoln","startTime":4105.06,"endTime":4109.2,"body":"planning, ongoing fees, back to"},{"speaker":"Nick Lincoln","startTime":4111.4800000000005,"endTime":4115.26,"body":"it. I've got to deal with this"},{"speaker":"Nick Lincoln","startTime":4111.4800000000005,"endTime":4115.26,"body":"guy's grandson's pet, get out"},{"speaker":"Nick Lincoln","startTime":4115.26,"endTime":4117.4800000000005,"body":"the way. So I was butting heads"},{"speaker":"Nick Lincoln","startTime":4115.26,"endTime":4117.4800000000005,"body":"with them. I said, we got to pay"},{"speaker":"Nick Lincoln","startTime":4117.4800000000005,"endTime":4119.66,"body":"for truth. They're going pay for"},{"speaker":"Nick Lincoln","startTime":4117.4800000000005,"endTime":4119.66,"body":"what pay for. Pay for what pay"},{"speaker":"Nick Lincoln","startTime":4119.66,"endTime":4124.58,"body":"for truth. So it just basically"},{"speaker":"Nick Lincoln","startTime":4119.66,"endTime":4124.58,"body":"wasn't happening. So at the end"},{"speaker":"Nick Lincoln","startTime":4124.58,"endTime":4127.76,"body":"of 2008 I left them on good"},{"speaker":"Nick Lincoln","startTime":4124.58,"endTime":4127.76,"body":"terms, took some clients with"},{"speaker":"Nick Lincoln","startTime":4127.76,"endTime":4130.16,"body":"me. I was a director by the"},{"speaker":"Nick Lincoln","startTime":4127.76,"endTime":4130.16,"body":"state. I had a shareholder, and"},{"speaker":"Nick Lincoln","startTime":4130.16,"endTime":4132.26,"body":"I said to the other"},{"speaker":"Nick Lincoln","startTime":4130.16,"endTime":4132.26,"body":"shareholders, I'm going to waive"},{"speaker":"Nick Lincoln","startTime":4132.26,"endTime":4134.6,"body":"my shareholding, because I'm"},{"speaker":"Nick Lincoln","startTime":4132.26,"endTime":4134.6,"body":"going to say goodbye to my"},{"speaker":"Nick Lincoln","startTime":4134.6,"endTime":4137.06,"body":"clients, because that's what I"},{"speaker":"Nick Lincoln","startTime":4134.6,"endTime":4137.06,"body":"would want my advisor to say to"},{"speaker":"Nick Lincoln","startTime":4137.06,"endTime":4139.3,"body":"me. And I think a lot of them"},{"speaker":"Nick Lincoln","startTime":4137.06,"endTime":4139.3,"body":"going to say, Nick, can we come"},{"speaker":"Nick Lincoln","startTime":4139.3,"endTime":4141.88,"body":"with you? So can we be grown up"},{"speaker":"Nick Lincoln","startTime":4139.3,"endTime":4141.88,"body":"about this and just do that? So"},{"speaker":"Nick Lincoln","startTime":4141.88,"endTime":4144.46,"body":"I weighed my shareholding. They"},{"speaker":"Nick Lincoln","startTime":4141.88,"endTime":4144.46,"body":"said, Fine. I took some clients"},{"speaker":"Nick Lincoln","startTime":4144.46,"endTime":4146.56,"body":"with me to my new firm, which"},{"speaker":"Nick Lincoln","startTime":4144.46,"endTime":4146.56,"body":"gave me an ongoing, recurring"},{"speaker":"Nick Lincoln","startTime":4146.56,"endTime":4150.4000000000005,"body":"income from day one. And I built"},{"speaker":"Nick Lincoln","startTime":4146.56,"endTime":4150.4000000000005,"body":"a business with the end in mind."},{"speaker":"Nick Lincoln","startTime":4150.46,"endTime":4154.54,"body":"And again, I smashed this into"},{"speaker":"Nick Lincoln","startTime":4150.46,"endTime":4154.54,"body":"ground like a tent peg. I begin"},{"speaker":"Nick Lincoln","startTime":4154.54,"endTime":4157.62,"body":"with the end in mind. So I"},{"speaker":"Nick Lincoln","startTime":4154.54,"endTime":4157.62,"body":"worked out, what do I need to"},{"speaker":"Nick Lincoln","startTime":4157.68,"endTime":4161.28,"body":"earn from my business after"},{"speaker":"Nick Lincoln","startTime":4157.68,"endTime":4161.28,"body":"corporation tax so I can build a"},{"speaker":"Nick Lincoln","startTime":4161.28,"endTime":4164.34,"body":"lifestyle for me? Okay? If I"},{"speaker":"Nick Lincoln","startTime":4161.28,"endTime":4164.34,"body":"need to earn this amount, how"},{"speaker":"Nick Lincoln","startTime":4164.34,"endTime":4168.0,"body":"much turnover do I need, minus"},{"speaker":"Nick Lincoln","startTime":4164.34,"endTime":4168.0,"body":"business costs to get me there?"},{"speaker":"Nick Lincoln","startTime":4168.06,"endTime":4170.52,"body":"And that's all I've ever focused"},{"speaker":"Nick Lincoln","startTime":4168.06,"endTime":4170.52,"body":"on, is just beginning with the"},{"speaker":"Nick Lincoln","startTime":4170.52,"endTime":4174.0,"body":"end in mind, knowing, knowing"},{"speaker":"Nick Lincoln","startTime":4170.52,"endTime":4174.0,"body":"that, knowing that figure is so"},{"speaker":"Nick Lincoln","startTime":4174.0,"endTime":4177.08,"body":"crucial to me, and all I do is"},{"speaker":"Nick Lincoln","startTime":4174.0,"endTime":4177.08,"body":"offer full fat financial"},{"speaker":"Nick Lincoln","startTime":4177.08,"endTime":4180.38,"body":"planning to everybody that comes"},{"speaker":"Nick Lincoln","startTime":4177.08,"endTime":4180.38,"body":"into my auspices, and some"},{"speaker":"Nick Lincoln","startTime":4180.38,"endTime":4184.22,"body":"people don't want it from me,"},{"speaker":"Nick Lincoln","startTime":4180.38,"endTime":4184.22,"body":"and some people are rejected by"},{"speaker":"Nick Lincoln","startTime":4184.22,"endTime":4187.16,"body":"me, and I reject people as well."},{"speaker":"Nick Lincoln","startTime":4184.22,"endTime":4187.16,"body":"And that's perfectly fine. Carl"},{"speaker":"Nick Lincoln","startTime":4187.16,"endTime":4190.46,"body":"said about having your belief I"},{"speaker":"Nick Lincoln","startTime":4187.16,"endTime":4190.46,"body":"have a very for right or wrong,"},{"speaker":"Nick Lincoln","startTime":4190.46,"endTime":4193.64,"body":"a very strong internal belief"},{"speaker":"Nick Lincoln","startTime":4190.46,"endTime":4193.64,"body":"system, and I will impose it on"},{"speaker":"Nick Lincoln","startTime":4193.64,"endTime":4196.5199999999995,"body":"my clients. We're not here to"},{"speaker":"Nick Lincoln","startTime":4193.64,"endTime":4196.5199999999995,"body":"give clients what they want."},{"speaker":"Nick Lincoln","startTime":4196.5199999999995,"endTime":4198.88,"body":"We're here to give clients what"},{"speaker":"Nick Lincoln","startTime":4196.5199999999995,"endTime":4198.88,"body":"they need, and if they don't"},{"speaker":"Nick Lincoln","startTime":4198.88,"endTime":4201.0999999999995,"body":"want to hear what you're going"},{"speaker":"Nick Lincoln","startTime":4198.88,"endTime":4201.0999999999995,"body":"to tell them, then on to the"},{"speaker":"Nick Lincoln","startTime":4201.0999999999995,"endTime":4204.22,"body":"next one. Bring the next one"},{"speaker":"Nick Lincoln","startTime":4201.0999999999995,"endTime":4204.22,"body":"into the room. Please. Have an"},{"speaker":"Nick Lincoln","startTime":4204.22,"endTime":4206.98,"body":"abundance mentality. There are"},{"speaker":"Nick Lincoln","startTime":4204.22,"endTime":4206.98,"body":"more than enough people out"},{"speaker":"Nick Lincoln","startTime":4206.98,"endTime":4211.0599999999995,"body":"there willing, willing to pay"},{"speaker":"Nick Lincoln","startTime":4206.98,"endTime":4211.0599999999995,"body":"for your services, and there'll"},{"speaker":"Nick Lincoln","startTime":4211.0599999999995,"endTime":4213.58,"body":"be a significant number of"},{"speaker":"Nick Lincoln","startTime":4211.0599999999995,"endTime":4213.58,"body":"people who won't like you and"},{"speaker":"Nick Lincoln","startTime":4213.58,"endTime":4217.0199999999995,"body":"won't pay that's fine. Disregard"},{"speaker":"Nick Lincoln","startTime":4213.58,"endTime":4217.0199999999995,"body":"them and find those people that"},{"speaker":"Nick Lincoln","startTime":4217.0199999999995,"endTime":4219.96,"body":"you can help. I think doing full"},{"speaker":"Nick Lincoln","startTime":4217.0199999999995,"endTime":4219.96,"body":"fat financial planning, you're"},{"speaker":"Nick Lincoln","startTime":4219.96,"endTime":4225.72,"body":"probably limited to a maximum of"},{"speaker":"Nick Lincoln","startTime":4219.96,"endTime":4225.72,"body":"150 150 families you can handle"},{"speaker":"Nick Lincoln","startTime":4226.26,"endTime":4229.86,"body":"at the at the out there, at the"},{"speaker":"Nick Lincoln","startTime":4226.26,"endTime":4229.86,"body":"very most, 150 families out of a"},{"speaker":"Nick Lincoln","startTime":4229.86,"endTime":4232.92,"body":"population in this country,"},{"speaker":"Nick Lincoln","startTime":4229.86,"endTime":4232.92,"body":"whatever it's 68 million. Just"},{"speaker":"Nick Lincoln","startTime":4232.92,"endTime":4236.9,"body":"focus on that. Be true to"},{"speaker":"Nick Lincoln","startTime":4232.92,"endTime":4236.9,"body":"yourself. If you're thinking"},{"speaker":"Nick Lincoln","startTime":4236.9,"endTime":4239.48,"body":"about going out on your own and"},{"speaker":"Nick Lincoln","startTime":4236.9,"endTime":4239.48,"body":"you think you can handle it,"},{"speaker":"Nick Lincoln","startTime":4239.48,"endTime":4241.82,"body":"because it comes with different"},{"speaker":"Nick Lincoln","startTime":4239.48,"endTime":4241.82,"body":"pressures from the pressures"},{"speaker":"Nick Lincoln","startTime":4241.82,"endTime":4244.04,"body":"that you two have, but it has"},{"speaker":"Nick Lincoln","startTime":4241.82,"endTime":4244.04,"body":"its own pressures. I'm lucky."},{"speaker":"Nick Lincoln","startTime":4244.04,"endTime":4249.32,"body":"I've got voices in my head to"},{"speaker":"Nick Lincoln","startTime":4244.04,"endTime":4249.32,"body":"talk to, but some people, some"},{"speaker":"Nick Lincoln","startTime":4249.32,"endTime":4252.86,"body":"people, struggle with the"},{"speaker":"Nick Lincoln","startTime":4249.32,"endTime":4252.86,"body":"solitude, and it can be and I am"},{"speaker":"Nick Lincoln","startTime":4252.86,"endTime":4256.36,"body":"really on my own. I don't I"},{"speaker":"Nick Lincoln","startTime":4252.86,"endTime":4256.36,"body":"don't employ anybody, but I love"},{"speaker":"Nick Lincoln","startTime":4256.36,"endTime":4258.88,"body":"it, and I wouldn't change it for"},{"speaker":"Nick Lincoln","startTime":4256.36,"endTime":4258.88,"body":"the world, if you think you can"},{"speaker":"Nick Lincoln","startTime":4258.88,"endTime":4261.34,"body":"hack it. And if you're with a"},{"speaker":"Nick Lincoln","startTime":4258.88,"endTime":4261.34,"body":"firm that we are doing something"},{"speaker":"Nick Lincoln","startTime":4261.34,"endTime":4263.5599999999995,"body":"that you think is wrong, where"},{"speaker":"Nick Lincoln","startTime":4261.34,"endTime":4263.5599999999995,"body":"they aren't doing full fat"},{"speaker":"Nick Lincoln","startTime":4263.5599999999995,"endTime":4266.44,"body":"financial planning, where they"},{"speaker":"Nick Lincoln","startTime":4263.5599999999995,"endTime":4266.44,"body":"are giving clients mumbo jumbo"},{"speaker":"Nick Lincoln","startTime":4266.44,"endTime":4268.78,"body":"questionnaires. And the mumbo"},{"speaker":"Nick Lincoln","startTime":4266.44,"endTime":4268.78,"body":"jumbo questionnaires are"},{"speaker":"Nick Lincoln","startTime":4268.78,"endTime":4272.92,"body":"determining the portfolio which"},{"speaker":"Nick Lincoln","startTime":4268.78,"endTime":4272.92,"body":"is wrong, which is evil. It will"},{"speaker":"Nick Lincoln","startTime":4272.92,"endTime":4277.32,"body":"eat you inside morally, and"},{"speaker":"Nick Lincoln","startTime":4272.92,"endTime":4277.32,"body":"it'll break. Cute, leave go out"},{"speaker":"Nick Lincoln","startTime":4277.32,"endTime":4279.66,"body":"on your own. The worst that can"},{"speaker":"Nick Lincoln","startTime":4277.32,"endTime":4279.66,"body":"happen is you do it and you"},{"speaker":"Nick Lincoln","startTime":4279.66,"endTime":4283.68,"body":"screw up. I wish I'd gone out on"},{"speaker":"Nick Lincoln","startTime":4279.66,"endTime":4283.68,"body":"my own earlier. I love it. I"},{"speaker":"Nick Lincoln","startTime":4283.68,"endTime":4286.62,"body":"love it. I've got a lifestyle"},{"speaker":"Nick Lincoln","startTime":4283.68,"endTime":4286.62,"body":"business. I'm earning what I"},{"speaker":"Nick Lincoln","startTime":4286.62,"endTime":4289.68,"body":"need to earn for fund my"},{"speaker":"Nick Lincoln","startTime":4286.62,"endTime":4289.68,"body":"lifestyle now and our future"},{"speaker":"Nick Lincoln","startTime":4289.68,"endTime":4293.28,"body":"lifestyles. Best thing I ever"},{"speaker":"Nick Lincoln","startTime":4289.68,"endTime":4293.28,"body":"did. This is a fantastic"},{"speaker":"Nick Lincoln","startTime":4293.28,"endTime":4296.04,"body":"profession. If you're thinking"},{"speaker":"Nick Lincoln","startTime":4293.28,"endTime":4296.04,"body":"about going on your own, all I"},{"speaker":"Nick Lincoln","startTime":4296.04,"endTime":4297.44,"body":"would say is, do it right."},{"speaker":"Unknown","startTime":4304.4,"endTime":4305.24,"body":"That's my time."},{"speaker":"Unknown","startTime":4307.76,"endTime":4311.66,"body":"I know this. There's quite a lot"},{"speaker":"Unknown","startTime":4307.76,"endTime":4311.66,"body":"of the audience of trap, and"},{"speaker":"Unknown","startTime":4311.66,"endTime":4314.72,"body":"quite a few people in here are"},{"speaker":"Unknown","startTime":4311.66,"endTime":4314.72,"body":"younger advisors and people"},{"speaker":"Unknown","startTime":4314.72,"endTime":4317.8,"body":"early on in their career. We've"},{"speaker":"Unknown","startTime":4314.72,"endTime":4317.8,"body":"got many episodes. We've done"},{"speaker":"Unknown","startTime":4317.8,"endTime":4323.32,"body":"1717, my God, 71 but I have no"},{"speaker":"Unknown","startTime":4317.8,"endTime":4323.32,"body":"idea which one it was, but"},{"speaker":"Unknown","startTime":4323.32,"endTime":4326.26,"body":"there's a couple of things that"},{"speaker":"Unknown","startTime":4323.32,"endTime":4326.26,"body":"Nick did, but we had an entire"},{"speaker":"Unknown","startTime":4326.26,"endTime":4329.74,"body":"episode once, which is along the"},{"speaker":"Unknown","startTime":4326.26,"endTime":4329.74,"body":"lines of, if you got started,"},{"speaker":"Unknown","startTime":4329.74,"endTime":4332.5599999999995,"body":"the biggest challenge we've all"},{"speaker":"Unknown","startTime":4329.74,"endTime":4332.5599999999995,"body":"got is winning clients, finding,"},{"speaker":"Unknown","startTime":4332.5599999999995,"endTime":4335.38,"body":"as you say, there's 68 million"},{"speaker":"Unknown","startTime":4332.5599999999995,"endTime":4335.38,"body":"people, but engaging with"},{"speaker":"Unknown","startTime":4335.38,"endTime":4339.3,"body":"clients. You did a brilliant"},{"speaker":"Unknown","startTime":4335.38,"endTime":4339.3,"body":"episode of literally, step by"},{"speaker":"Unknown","startTime":4339.3,"endTime":4341.88,"body":"step, what you would do. We're"},{"speaker":"Unknown","startTime":4339.3,"endTime":4341.88,"body":"talking about Companies House"},{"speaker":"Unknown","startTime":4341.88,"endTime":4344.94,"body":"and download stuff Nicholas,"},{"speaker":"Unknown","startTime":4341.88,"endTime":4344.94,"body":"just find a niche, find this"},{"speaker":"Unknown","startTime":4344.94,"endTime":4348.0,"body":"focus, and literally reach out"},{"speaker":"Unknown","startTime":4344.94,"endTime":4348.0,"body":"to people. And if you, if you"},{"speaker":"Unknown","startTime":4348.0,"endTime":4351.5999999999995,"body":"are, particularly if you're"},{"speaker":"Unknown","startTime":4348.0,"endTime":4351.5999999999995,"body":"earlier in your career, and you"},{"speaker":"Unknown","startTime":4351.5999999999995,"endTime":4353.88,"body":"are thinking about doing that,"},{"speaker":"Unknown","startTime":4351.5999999999995,"endTime":4353.88,"body":"go back and look at some of the"},{"speaker":"Unknown","startTime":4353.88,"endTime":4357.68,"body":"back episodes. There are some in"},{"speaker":"Unknown","startTime":4353.88,"endTime":4357.68,"body":"amongst all the junk there are"},{"speaker":"Unknown","startTime":4357.98,"endTime":4360.32,"body":"pretty good, insightful. There's"},{"speaker":"Unknown","startTime":4357.98,"endTime":4360.32,"body":"some gold"},{"speaker":"Unknown","startTime":4360.32,"endTime":4362.78,"body":"out there. Happens there is, you"},{"speaker":"Unknown","startTime":4360.32,"endTime":4362.78,"body":"got to look very hard, but great"},{"speaker":"Nick Lincoln","startTime":4362.78,"endTime":4364.88,"body":"stuff. Thank you."},{"speaker":"Nick Lincoln","startTime":4362.78,"endTime":4364.88,"body":"Thank you for that. Okay, so I"},{"speaker":"Nick Lincoln","startTime":4364.88,"endTime":4367.22,"body":"can see, well, I can't say I can"},{"speaker":"Nick Lincoln","startTime":4364.88,"endTime":4367.22,"body":"see our front door, TRAPPIST,"},{"speaker":"Nick Lincoln","startTime":4367.22,"endTime":4369.68,"body":"the post. Post lady's bringing"},{"speaker":"Nick Lincoln","startTime":4367.22,"endTime":4369.68,"body":"the bulging sack of TRAPPIST"},{"speaker":"Nick Lincoln","startTime":4369.68,"endTime":4372.26,"body":"questions, because I haven't got"},{"speaker":"Nick Lincoln","startTime":4369.68,"endTime":4372.26,"body":"a front door here. She must be"},{"speaker":"Nick Lincoln","startTime":4372.26,"endTime":4374.78,"body":"outside there. Anyway. This is"},{"speaker":"Nick Lincoln","startTime":4372.26,"endTime":4374.78,"body":"the part of the show where we"},{"speaker":"Nick Lincoln","startTime":4374.78,"endTime":4377.2,"body":"answer questions from our"},{"speaker":"Nick Lincoln","startTime":4374.78,"endTime":4377.2,"body":"beloved Trappist. If you want to"},{"speaker":"Nick Lincoln","startTime":4377.2,"endTime":4380.32,"body":"send a question in look at the"},{"speaker":"Nick Lincoln","startTime":4377.2,"endTime":4380.32,"body":"pinned tweet on X or the pinned"},{"speaker":"Nick Lincoln","startTime":4380.32,"endTime":4382.72,"body":"X on tweet. Whatever, submit"},{"speaker":"Nick Lincoln","startTime":4380.32,"endTime":4382.72,"body":"your question, we will get to"},{"speaker":"Nick Lincoln","startTime":4382.72,"endTime":4386.86,"body":"it. We're still asking questions"},{"speaker":"Nick Lincoln","startTime":4382.72,"endTime":4386.86,"body":"from last year, and today's"},{"speaker":"Nick Lincoln","startTime":4386.86,"endTime":4390.22,"body":"question is, well, it's more"},{"speaker":"Nick Lincoln","startTime":4386.86,"endTime":4390.22,"body":"actually of a nice review,"},{"speaker":"Nick Lincoln","startTime":4390.22,"endTime":4392.5,"body":"because we thought we'd have a"},{"speaker":"Nick Lincoln","startTime":4390.22,"endTime":4392.5,"body":"nice review, because this is a"},{"speaker":"Nick Lincoln","startTime":4392.5,"endTime":4394.78,"body":"lovely thing, and we love you"},{"speaker":"Nick Lincoln","startTime":4392.5,"endTime":4394.78,"body":"guys and girls, and what you"},{"speaker":"Nick Lincoln","startTime":4394.78,"endTime":4397.62,"body":"give back to us is great, and it"},{"speaker":"Nick Lincoln","startTime":4394.78,"endTime":4397.62,"body":"just keeps us going. So oh my"},{"speaker":"Nick Lincoln","startTime":4397.68,"endTime":4400.32,"body":"god, it's another warm piece."},{"speaker":"Nick Lincoln","startTime":4397.68,"endTime":4400.32,"body":"Here we go, right. This is from"},{"speaker":"Nick Lincoln","startTime":4400.32,"endTime":4404.64,"body":"Peter watts, who's on LinkedIn."},{"speaker":"Nick Lincoln","startTime":4400.32,"endTime":4404.64,"body":"Peter says Nick Lincoln, thank"},{"speaker":"Nick Lincoln","startTime":4404.64,"endTime":4406.8,"body":"you, all of you. In fact, thank"},{"speaker":"Nick Lincoln","startTime":4404.64,"endTime":4406.8,"body":"you. I follow you all on"},{"speaker":"Nick Lincoln","startTime":4406.8,"endTime":4410.22,"body":"LinkedIn. I sign up to hum"},{"speaker":"Nick Lincoln","startTime":4406.8,"endTime":4410.22,"body":"premium, etc, and each and every"},{"speaker":"Nick Lincoln","startTime":4410.22,"endTime":4412.5,"body":"one of you have had a positive"},{"speaker":"Nick Lincoln","startTime":4410.22,"endTime":4412.5,"body":"impact on me and then my"},{"speaker":"Nick Lincoln","startTime":4412.5,"endTime":4414.54,"body":"clients. I just want to reach"},{"speaker":"Nick Lincoln","startTime":4412.5,"endTime":4414.54,"body":"out to Nick. This is"},{"speaker":"Nick Lincoln","startTime":4414.54,"endTime":4416.7,"body":"embarrassing. I just want to"},{"speaker":"Nick Lincoln","startTime":4414.54,"endTime":4416.7,"body":"reach out to Nick and say a"},{"speaker":"Nick Lincoln","startTime":4416.7,"endTime":4419.54,"body":"separate Thank you for his post"},{"speaker":"Nick Lincoln","startTime":4416.7,"endTime":4419.54,"body":"a week ago, you are not alone."},{"speaker":"Nick Lincoln","startTime":4419.5999999999995,"endTime":4422.48,"body":"Peter was struggling a little"},{"speaker":"Nick Lincoln","startTime":4419.5999999999995,"endTime":4422.48,"body":"bit. He got out in his own was"},{"speaker":"Nick Lincoln","startTime":4422.48,"endTime":4425.84,"body":"funny, bit of a burden. I needed"},{"speaker":"Nick Lincoln","startTime":4422.48,"endTime":4425.84,"body":"to hear that I'm a solo advisor."},{"speaker":"Nick Lincoln","startTime":4425.84,"endTime":4428.3,"body":"And although I'm around clients"},{"speaker":"Nick Lincoln","startTime":4425.84,"endTime":4428.3,"body":"every day, you can get a bit"},{"speaker":"Nick Lincoln","startTime":4428.3,"endTime":4431.12,"body":"lonely. Sometimes. I really"},{"speaker":"Nick Lincoln","startTime":4428.3,"endTime":4431.12,"body":"needed to read that post that"},{"speaker":"Nick Lincoln","startTime":4431.12,"endTime":4435.92,"body":"day. So the takeaway for all of"},{"speaker":"Nick Lincoln","startTime":4431.12,"endTime":4435.92,"body":"you is, keep posting good and"},{"speaker":"Nick Lincoln","startTime":4435.92,"endTime":4439.9,"body":"bad, because someone out there"},{"speaker":"Nick Lincoln","startTime":4435.92,"endTime":4439.9,"body":"you've never met gets your"},{"speaker":"Nick Lincoln","startTime":4439.9,"endTime":4444.0999999999995,"body":"little bit of a boost, your"},{"speaker":"Nick Lincoln","startTime":4439.9,"endTime":4444.0999999999995,"body":"little bit of a boost. Jesus"},{"speaker":"Nick Lincoln","startTime":4444.0999999999995,"endTime":4448.48,"body":"Christ, you're a little bit of a"},{"speaker":"Nick Lincoln","startTime":4444.0999999999995,"endTime":4448.48,"body":"boost that is needed. I am sure"},{"speaker":"Nick Lincoln","startTime":4448.54,"endTime":4451.0599999999995,"body":"I'll pop a couple of ideas about"},{"speaker":"Nick Lincoln","startTime":4448.54,"endTime":4451.0599999999995,"body":"areas I'd love to hear your"},{"speaker":"Nick Lincoln","startTime":4451.0599999999995,"endTime":4454.42,"body":"thoughts on. But right now, I"},{"speaker":"Nick Lincoln","startTime":4451.0599999999995,"endTime":4454.42,"body":"just want you all to hear Thank"},{"speaker":"Nick Lincoln","startTime":4454.42,"endTime":4459.0,"body":"you. So there we go. That's a"},{"speaker":"Nick Lincoln","startTime":4454.42,"endTime":4459.0,"body":"bit, a little bit. We have got"},{"speaker":"Nick Lincoln","startTime":4459.0,"endTime":4464.0999999999995,"body":"one other question, but we just"},{"speaker":"Nick Lincoln","startTime":4459.0,"endTime":4464.0999999999995,"body":"haven't got the time to answer."},{"speaker":"Nick Lincoln","startTime":4464.16,"endTime":4468.24,"body":"So we're doing episode 72 about"},{"speaker":"Nick Lincoln","startTime":4464.16,"endTime":4468.24,"body":"how the mistakes we've made. We"},{"speaker":"Nick Lincoln","startTime":4468.24,"endTime":4471.78,"body":"have done an episode on before"},{"speaker":"Nick Lincoln","startTime":4468.24,"endTime":4471.78,"body":"we can finish early, right? So I"},{"speaker":"Nick Lincoln","startTime":4471.78,"endTime":4474.42,"body":"think we need to go on to"},{"speaker":"Nick Lincoln","startTime":4471.78,"endTime":4474.42,"body":"culture corner. I don't even"},{"speaker":"Nick Lincoln","startTime":4474.42,"endTime":4476.94,"body":"know what I'm doing on my hands."},{"speaker":"Nick Lincoln","startTime":4474.42,"endTime":4476.94,"body":"Let's go on to culture corner"},{"speaker":"Nick Lincoln","startTime":4476.94,"endTime":4477.0199999999995,"body":"seamlessly."},{"speaker":"Carl Widger","startTime":4480.62,"endTime":4484.0999999999995,"body":"Yeah, it's me"},{"speaker":"Carl Widger","startTime":4480.62,"endTime":4484.0999999999995,"body":"first, because I'm prepared. So"},{"speaker":"Carl Widger","startTime":4484.28,"endTime":4488.0599999999995,"body":"I spoke about the book ikigai"},{"speaker":"Carl Widger","startTime":4484.28,"endTime":4488.0599999999995,"body":"the last time, and they all slag"},{"speaker":"Carl Widger","startTime":4488.0599999999995,"endTime":4490.76,"body":"me about it, and continue to"},{"speaker":"Carl Widger","startTime":4488.0599999999995,"endTime":4490.76,"body":"slag me about it. And it's, it's"},{"speaker":"Carl Widger","startTime":4490.76,"endTime":4496.94,"body":"like your meaning or your"},{"speaker":"Carl Widger","startTime":4490.76,"endTime":4496.94,"body":"purpose in life. And so I read"},{"speaker":"Carl Widger","startTime":4496.94,"endTime":4501.16,"body":"the quintessential book on this,"},{"speaker":"Carl Widger","startTime":4496.94,"endTime":4501.16,"body":"which is, I know what it's"},{"speaker":"Carl Widger","startTime":4501.16,"endTime":4505.12,"body":"called, Man's Search for"},{"speaker":"Carl Widger","startTime":4501.16,"endTime":4505.12,"body":"Meaning, by Viktor Frankl. Now"},{"speaker":"Carl Widger","startTime":4505.3,"endTime":4509.8,"body":"you could also call this man's"},{"speaker":"Carl Widger","startTime":4505.3,"endTime":4509.8,"body":"inhumanity to man, it is the"},{"speaker":"Carl Widger","startTime":4509.8,"endTime":4514.12,"body":"most it's a disturbing book,"},{"speaker":"Carl Widger","startTime":4509.8,"endTime":4514.12,"body":"right? Viktor Frankl is an"},{"speaker":"Carl Widger","startTime":4514.12,"endTime":4518.76,"body":"Auschwitz survivor, and the"},{"speaker":"Carl Widger","startTime":4514.12,"endTime":4518.76,"body":"first part of the book is, is"},{"speaker":"Carl Widger","startTime":4518.76,"endTime":4525.42,"body":"about that experience, and, oh,"},{"speaker":"Carl Widger","startTime":4518.76,"endTime":4525.42,"body":"my God, it's just ridiculous."},{"speaker":"Carl Widger","startTime":4525.42,"endTime":4528.18,"body":"But the second part of the book,"},{"speaker":"Carl Widger","startTime":4525.42,"endTime":4528.18,"body":"the guy is, is a"},{"speaker":"Carl Widger","startTime":4528.18,"endTime":4531.42,"body":"psychotherapist, and he talks"},{"speaker":"Carl Widger","startTime":4528.18,"endTime":4531.42,"body":"about logotherapy, and I"},{"speaker":"Carl Widger","startTime":4531.42,"endTime":4535.8,"body":"suppose, about the, you know,"},{"speaker":"Carl Widger","startTime":4531.42,"endTime":4535.8,"body":"what humans can overcome, and"},{"speaker":"Carl Widger","startTime":4536.04,"endTime":4539.18,"body":"you know, if you have a certain"},{"speaker":"Carl Widger","startTime":4536.04,"endTime":4539.18,"body":"meaning in your life that will"},{"speaker":"Carl Widger","startTime":4539.18,"endTime":4543.26,"body":"help you overcome suffering."},{"speaker":"Carl Widger","startTime":4539.18,"endTime":4543.26,"body":"Now, obviously there's suffering"},{"speaker":"Carl Widger","startTime":4544.04,"endTime":4547.76,"body":"that we all think we're"},{"speaker":"Carl Widger","startTime":4544.04,"endTime":4547.76,"body":"encountering on a daily basis,"},{"speaker":"Carl Widger","startTime":4548.0599999999995,"endTime":4552.68,"body":"nothing compared to Auschwitz,"},{"speaker":"Carl Widger","startTime":4548.0599999999995,"endTime":4552.68,"body":"clearly, but there are really"},{"speaker":"Carl Widger","startTime":4552.68,"endTime":4557.86,"body":"deep lessons in this. And yeah,"},{"speaker":"Carl Widger","startTime":4552.68,"endTime":4557.86,"body":"as I said, maybe this is a turn"},{"speaker":"Carl Widger","startTime":4557.92,"endTime":4561.82,"body":"50 last year. As Andrew told me,"},{"speaker":"Carl Widger","startTime":4557.92,"endTime":4561.82,"body":"Well, you're 51 now, next month."},{"speaker":"Carl Widger","startTime":4561.82,"endTime":4565.66,"body":"Carl, so can't say you're 50"},{"speaker":"Carl Widger","startTime":4561.82,"endTime":4565.66,"body":"anymore. So I think you do come"},{"speaker":"Carl Widger","startTime":4565.66,"endTime":4569.14,"body":"to a stage in your life where"},{"speaker":"Carl Widger","startTime":4565.66,"endTime":4569.14,"body":"you, well, I don't know. Maybe"},{"speaker":"Carl Widger","startTime":4569.14,"endTime":4571.84,"body":"it's just me, where you start"},{"speaker":"Carl Widger","startTime":4569.14,"endTime":4571.84,"body":"thinking about these things, and"},{"speaker":"Carl Widger","startTime":4571.84,"endTime":4576.66,"body":"it's like, I'm like, going, oh"},{"speaker":"Carl Widger","startTime":4571.84,"endTime":4576.66,"body":"my god, you know. So it's. What,"},{"speaker":"Carl Widger","startTime":4577.08,"endTime":4579.84,"body":"what does the next for? I call"},{"speaker":"Carl Widger","startTime":4577.08,"endTime":4579.84,"body":"it the third act. What does the"},{"speaker":"Carl Widger","startTime":4579.84,"endTime":4585.0,"body":"third act look like? And I"},{"speaker":"Carl Widger","startTime":4579.84,"endTime":4585.0,"body":"suppose I'm searching for it,"},{"speaker":"Carl Widger","startTime":4585.42,"endTime":4588.48,"body":"searching for my own meaning in"},{"speaker":"Carl Widger","startTime":4585.42,"endTime":4588.48,"body":"these kind of books. So I'd"},{"speaker":"Carl Widger","startTime":4588.48,"endTime":4591.96,"body":"encourage everybody, though I"},{"speaker":"Carl Widger","startTime":4588.48,"endTime":4591.96,"body":"think, I think everybody needs"},{"speaker":"Carl Widger","startTime":4591.96,"endTime":4597.38,"body":"to read this book, because what"},{"speaker":"Carl Widger","startTime":4591.96,"endTime":4597.38,"body":"happened was just horrific. And"},{"speaker":"Carl Widger","startTime":4597.68,"endTime":4602.18,"body":"are we? Is there stuff like that"},{"speaker":"Carl Widger","startTime":4597.68,"endTime":4602.18,"body":"happening now again? I don't"},{"speaker":"Carl Widger","startTime":4602.18,"endTime":4606.2,"body":"know quite if it's the same, but"},{"speaker":"Carl Widger","startTime":4602.18,"endTime":4606.2,"body":"there's certainly awful stuff"},{"speaker":"Carl Widger","startTime":4606.2,"endTime":4610.16,"body":"happening. So it might help us"},{"speaker":"Carl Widger","startTime":4606.2,"endTime":4610.16,"body":"all be better humans."},{"speaker":"Nick Lincoln","startTime":4611.48,"endTime":4614.96,"body":"It is an awesome"},{"speaker":"Nick Lincoln","startTime":4611.48,"endTime":4614.96,"body":"book. Follow that. Andy, I just"},{"speaker":"Nick Lincoln","startTime":4614.96,"endTime":4617.62,"body":"want to mention close personal"},{"speaker":"Nick Lincoln","startTime":4614.96,"endTime":4617.62,"body":"friend in the room, Pete"},{"speaker":"Nick Lincoln","startTime":4617.62,"endTime":4623.68,"body":"Matthews hotel bill, who is"},{"speaker":"Nick Lincoln","startTime":4617.62,"endTime":4623.68,"body":"blade the trail for financial"},{"speaker":"Nick Lincoln","startTime":4623.68,"endTime":4626.98,"body":"services podcast. It's the whole"},{"speaker":"Nick Lincoln","startTime":4623.68,"endTime":4626.98,"body":"reason why I launched mine. You"},{"speaker":"Nick Lincoln","startTime":4626.98,"endTime":4629.8,"body":"inspired by him. Lots of people"},{"speaker":"Nick Lincoln","startTime":4626.98,"endTime":4629.8,"body":"in this room are inspired by him"},{"speaker":"Nick Lincoln","startTime":4629.8,"endTime":4632.8,"body":"for doing his great contact so"},{"speaker":"Nick Lincoln","startTime":4629.8,"endTime":4632.8,"body":"Pete, thank you"},{"speaker":"Carl Widger","startTime":4638.38,"endTime":4640.8,"body":"very much. Can I"},{"speaker":"Carl Widger","startTime":4638.38,"endTime":4640.8,"body":"just say about, you know, we"},{"speaker":"Carl Widger","startTime":4640.8,"endTime":4644.22,"body":"read out the review, the one"},{"speaker":"Carl Widger","startTime":4640.8,"endTime":4644.22,"body":"star review earlier on, and then"},{"speaker":"Carl Widger","startTime":4644.22,"endTime":4647.34,"body":"we read out the question, which"},{"speaker":"Carl Widger","startTime":4644.22,"endTime":4647.34,"body":"wasn't really a question about"},{"speaker":"Carl Widger","startTime":4647.34,"endTime":4649.92,"body":"someone saying, you know, it was"},{"speaker":"Carl Widger","startTime":4647.34,"endTime":4649.92,"body":"great. So we got both ends of"},{"speaker":"Carl Widger","startTime":4649.92,"endTime":4653.16,"body":"it. But Pete sent me a message"},{"speaker":"Carl Widger","startTime":4649.92,"endTime":4653.16,"body":"on LinkedIn yesterday. I've"},{"speaker":"Carl Widger","startTime":4653.16,"endTime":4656.66,"body":"never met Pete, and it was just"},{"speaker":"Carl Widger","startTime":4653.16,"endTime":4656.66,"body":"such a lovely message to say"},{"speaker":"Carl Widger","startTime":4656.66,"endTime":4660.74,"body":"that he appreciates what I'm"},{"speaker":"Carl Widger","startTime":4656.66,"endTime":4660.74,"body":"doing now for me, right? This is"},{"speaker":"Carl Widger","startTime":4660.74,"endTime":4664.04,"body":"Pete, is my hero in financial"},{"speaker":"Carl Widger","startTime":4660.74,"endTime":4664.04,"body":"planning, and I would have"},{"speaker":"Carl Widger","startTime":4664.22,"endTime":4669.92,"body":"absolutely consumed so much of"},{"speaker":"Carl Widger","startTime":4664.22,"endTime":4669.92,"body":"his stuff. So, you know, the"},{"speaker":"Carl Widger","startTime":4669.92,"endTime":4674.72,"body":"keyboard warriors just go away,"},{"speaker":"Carl Widger","startTime":4669.92,"endTime":4674.72,"body":"right? And just, please, just"},{"speaker":"Carl Widger","startTime":4674.72,"endTime":4678.88,"body":"send somebody a nice message,"},{"speaker":"Carl Widger","startTime":4674.72,"endTime":4678.88,"body":"because it would make everybody"},{"speaker":"Carl Widger","startTime":4678.88,"endTime":4681.34,"body":"feel a little bit better. So"},{"speaker":"Carl Widger","startTime":4678.88,"endTime":4681.34,"body":"Pete, I just wanted to say that,"},{"speaker":"Carl Widger","startTime":4681.34,"endTime":4681.76,"body":"and thank"},{"speaker":"Unknown","startTime":4687.64,"endTime":4690.22,"body":"you. By the way, if"},{"speaker":"Unknown","startTime":4687.64,"endTime":4690.22,"body":"anyone doesn't know Pete's got a"},{"speaker":"Unknown","startTime":4690.22,"endTime":4690.7,"body":"new book out,"},{"speaker":"Nick Lincoln","startTime":4693.04,"endTime":4696.22,"body":"go buy it again. I"},{"speaker":"Nick Lincoln","startTime":4693.04,"endTime":4696.22,"body":"think it's another Pete point."},{"speaker":"Nick Lincoln","startTime":4696.22,"endTime":4701.0999999999995,"body":"Did you interview JL Collins on"},{"speaker":"Nick Lincoln","startTime":4696.22,"endTime":4701.0999999999995,"body":"your podcast? Okay, twice. So my"},{"speaker":"Nick Lincoln","startTime":4701.0999999999995,"endTime":4704.22,"body":"culture corner is the book"},{"speaker":"Nick Lincoln","startTime":4701.0999999999995,"endTime":4704.22,"body":"Simple Path to Wealth by JL"},{"speaker":"Nick Lincoln","startTime":4704.22,"endTime":4706.68,"body":"Collins, which I think is the"},{"speaker":"Nick Lincoln","startTime":4704.22,"endTime":4706.68,"body":"best personal finance book out"},{"speaker":"Nick Lincoln","startTime":4706.68,"endTime":4710.0999999999995,"body":"there. If you haven't read it,"},{"speaker":"Nick Lincoln","startTime":4706.68,"endTime":4710.0999999999995,"body":"we both agree this is a good"},{"speaker":"Nick Lincoln","startTime":4710.16,"endTime":4713.04,"body":"level if you haven't read it,"},{"speaker":"Nick Lincoln","startTime":4710.16,"endTime":4713.04,"body":"read it. Simple Path to Wealth."},{"speaker":"Nick Lincoln","startTime":4713.04,"endTime":4715.5599999999995,"body":"JL Collins, I recommend"},{"speaker":"Nick Lincoln","startTime":4713.04,"endTime":4715.5599999999995,"body":"listening to on Audible."},{"speaker":"Nick Lincoln","startTime":4715.5599999999995,"endTime":4717.96,"body":"Everyone's getting the phone out"},{"speaker":"Nick Lincoln","startTime":4715.5599999999995,"endTime":4717.96,"body":"like this. I recommend listening"},{"speaker":"Nick Lincoln","startTime":4717.96,"endTime":4720.2,"body":"to Audible because it's read"},{"speaker":"Nick Lincoln","startTime":4717.96,"endTime":4720.2,"body":"it's read by the author. It's a"},{"speaker":"Nick Lincoln","startTime":4720.2,"endTime":4726.68,"body":"superb, amazing book. Check it"},{"speaker":"Nick Lincoln","startTime":4720.2,"endTime":4726.68,"body":"out. Nick me. Okay, so on the"},{"speaker":"Nick Lincoln","startTime":4726.68,"endTime":4731.3,"body":"theme, on the theme of what is"},{"speaker":"Nick Lincoln","startTime":4726.68,"endTime":4731.3,"body":"happening in this world and what"},{"speaker":"Nick Lincoln","startTime":4731.3,"endTime":4734.24,"body":"is happening to the productive,"},{"speaker":"Nick Lincoln","startTime":4731.3,"endTime":4734.24,"body":"and are we being squeezed by the"},{"speaker":"Nick Lincoln","startTime":4734.24,"endTime":4737.08,"body":"non productive? The book I've"},{"speaker":"Nick Lincoln","startTime":4734.24,"endTime":4737.08,"body":"just read, I think, for the"},{"speaker":"Nick Lincoln","startTime":4737.08,"endTime":4741.46,"body":"fourth time. Hold your hand up"},{"speaker":"Nick Lincoln","startTime":4737.08,"endTime":4741.46,"body":"if you've heard of Ayn Rand's"},{"speaker":"Nick Lincoln","startTime":4741.5199999999995,"endTime":4747.28,"body":"Atlas. Shrugged. Okay, keep your"},{"speaker":"Nick Lincoln","startTime":4741.5199999999995,"endTime":4747.28,"body":"hand. Anyone's actually read it?"},{"speaker":"Nick Lincoln","startTime":4748.78,"endTime":4753.22,"body":"Yeah, okay, good man. It is."},{"speaker":"Nick Lincoln","startTime":4748.78,"endTime":4753.22,"body":"Keeps going on about it. It is,"},{"speaker":"Nick Lincoln","startTime":4753.22,"endTime":4757.0199999999995,"body":"well, it's an important book."},{"speaker":"Nick Lincoln","startTime":4753.22,"endTime":4757.0199999999995,"body":"It's a pot boiler. It's 11 170"},{"speaker":"Nick Lincoln","startTime":4757.62,"endTime":4762.0599999999995,"body":"pages of very dense print, and"},{"speaker":"Nick Lincoln","startTime":4757.62,"endTime":4762.0599999999995,"body":"it was written by this lady, Ayn"},{"speaker":"Nick Lincoln","startTime":4762.0599999999995,"endTime":4766.26,"body":"Rand, who was she fled, a Jewish"},{"speaker":"Nick Lincoln","startTime":4762.0599999999995,"endTime":4766.26,"body":"lady who fled with her family,"},{"speaker":"Nick Lincoln","startTime":4766.68,"endTime":4769.86,"body":"fled the red Russia of the 1920s"},{"speaker":"Nick Lincoln","startTime":4766.68,"endTime":4769.86,"body":"and the pogroms, and came to the"},{"speaker":"Nick Lincoln","startTime":4769.86,"endTime":4772.8,"body":"USA. So she'd experienced"},{"speaker":"Nick Lincoln","startTime":4769.86,"endTime":4772.8,"body":"collectivization, the very worst"},{"speaker":"Nick Lincoln","startTime":4772.8,"endTime":4776.0999999999995,"body":"of it, at first hand. And in the"},{"speaker":"Nick Lincoln","startTime":4772.8,"endTime":4776.0999999999995,"body":"late 40s, she started writing"},{"speaker":"Nick Lincoln","startTime":4776.0999999999995,"endTime":4780.8,"body":"this book called Atlas Shrugged,"},{"speaker":"Nick Lincoln","startTime":4776.0999999999995,"endTime":4780.8,"body":"and it was published in 1957 why"},{"speaker":"Nick Lincoln","startTime":4780.8,"endTime":4785.48,"body":"Atlas Shrugged is so amazing. It"},{"speaker":"Nick Lincoln","startTime":4780.8,"endTime":4785.48,"body":"is so prescient. It is the story"},{"speaker":"Nick Lincoln","startTime":4785.48,"endTime":4789.86,"body":"of how an enveloping,"},{"speaker":"Nick Lincoln","startTime":4785.48,"endTime":4789.86,"body":"encroaching government just"},{"speaker":"Nick Lincoln","startTime":4789.86,"endTime":4793.58,"body":"takes over more and more of the"},{"speaker":"Nick Lincoln","startTime":4789.86,"endTime":4793.58,"body":"lives of this It's America,"},{"speaker":"Nick Lincoln","startTime":4794.54,"endTime":4797.5599999999995,"body":"because it's set in New York and"},{"speaker":"Nick Lincoln","startTime":4794.54,"endTime":4797.5599999999995,"body":"also Colorado, and how the"},{"speaker":"Nick Lincoln","startTime":4797.5599999999995,"endTime":4801.04,"body":"productive just turn their back"},{"speaker":"Nick Lincoln","startTime":4797.5599999999995,"endTime":4801.04,"body":"and flee, and they go into"},{"speaker":"Nick Lincoln","startTime":4801.04,"endTime":4804.88,"body":"hiding, and everything starts to"},{"speaker":"Nick Lincoln","startTime":4801.04,"endTime":4804.88,"body":"break down, and the government"},{"speaker":"Nick Lincoln","startTime":4804.88,"endTime":4807.5199999999995,"body":"goes from being what we would"},{"speaker":"Nick Lincoln","startTime":4804.88,"endTime":4807.5199999999995,"body":"just understand as a democracy"},{"speaker":"Nick Lincoln","startTime":4807.5199999999995,"endTime":4809.86,"body":"to being this thuggish thing"},{"speaker":"Nick Lincoln","startTime":4807.5199999999995,"endTime":4809.86,"body":"where they're suddenly wearing"},{"speaker":"Nick Lincoln","startTime":4809.86,"endTime":4813.94,"body":"military uniforms. And she wrote"},{"speaker":"Nick Lincoln","startTime":4809.86,"endTime":4813.94,"body":"this in Eisenhower's Truman and"},{"speaker":"Nick Lincoln","startTime":4813.94,"endTime":4817.68,"body":"Eisenhower's USA, which on the"},{"speaker":"Nick Lincoln","startTime":4813.94,"endTime":4817.68,"body":"surface was a buoyant, booming"},{"speaker":"Nick Lincoln","startTime":4817.68,"endTime":4820.32,"body":"economy, but she could see the"},{"speaker":"Nick Lincoln","startTime":4817.68,"endTime":4820.32,"body":"signs then of what Roosevelt had"},{"speaker":"Nick Lincoln","startTime":4820.32,"endTime":4823.98,"body":"brought in, and it's a book that"},{"speaker":"Nick Lincoln","startTime":4820.32,"endTime":4823.98,"body":"still resonates. It's very lead"},{"speaker":"Nick Lincoln","startTime":4823.98,"endTime":4827.5199999999995,"body":"and prose. I mean, all the"},{"speaker":"Nick Lincoln","startTime":4823.98,"endTime":4827.5199999999995,"body":"heroes are amazingly heroic and"},{"speaker":"Nick Lincoln","startTime":4827.5199999999995,"endTime":4830.58,"body":"good looking with no flaws, and"},{"speaker":"Nick Lincoln","startTime":4827.5199999999995,"endTime":4830.58,"body":"all the villains are incredibly"},{"speaker":"Nick Lincoln","startTime":4830.64,"endTime":4833.64,"body":"villainless and physically"},{"speaker":"Nick Lincoln","startTime":4830.64,"endTime":4833.64,"body":"repellent with no upside. But"},{"speaker":"Nick Lincoln","startTime":4833.64,"endTime":4838.82,"body":"it's a parable she is saying"},{"speaker":"Nick Lincoln","startTime":4833.64,"endTime":4838.82,"body":"that to be productive is a good"},{"speaker":"Nick Lincoln","startTime":4838.82,"endTime":4842.24,"body":"thing. To be selfish, to look"},{"speaker":"Nick Lincoln","startTime":4838.82,"endTime":4842.24,"body":"after yourself and those around"},{"speaker":"Nick Lincoln","startTime":4842.24,"endTime":4845.54,"body":"you is the first duty of man and"},{"speaker":"Nick Lincoln","startTime":4842.24,"endTime":4845.54,"body":"woman, and then you can look"},{"speaker":"Nick Lincoln","startTime":4845.54,"endTime":4850.22,"body":"after everybody else. The profit"},{"speaker":"Nick Lincoln","startTime":4845.54,"endTime":4850.22,"body":"motive is good, and without it,"},{"speaker":"Nick Lincoln","startTime":4850.22,"endTime":4852.5599999999995,"body":"we are screwed. And I think"},{"speaker":"Nick Lincoln","startTime":4850.22,"endTime":4852.5599999999995,"body":"we're kind of living in those"},{"speaker":"Nick Lincoln","startTime":4852.5599999999995,"endTime":4855.8,"body":"times today where people who"},{"speaker":"Nick Lincoln","startTime":4852.5599999999995,"endTime":4855.8,"body":"make the profit and pay the"},{"speaker":"Nick Lincoln","startTime":4855.8,"endTime":4858.94,"body":"taxes are looked down upon by"},{"speaker":"Nick Lincoln","startTime":4855.8,"endTime":4858.94,"body":"the people who've never done"},{"speaker":"Nick Lincoln","startTime":4858.94,"endTime":4861.34,"body":"that kind of thing, not a"},{"speaker":"Nick Lincoln","startTime":4858.94,"endTime":4861.34,"body":"criticism of Rachel Reeve's"},{"speaker":"Nick Lincoln","startTime":4861.34,"endTime":4863.86,"body":"government, per se, because the"},{"speaker":"Nick Lincoln","startTime":4861.34,"endTime":4863.86,"body":"previous lot weren't any better,"},{"speaker":"Nick Lincoln","startTime":4863.86,"endTime":4867.76,"body":"and they had 14 years. I think"},{"speaker":"Nick Lincoln","startTime":4863.86,"endTime":4867.76,"body":"it's true that no one in the"},{"speaker":"Nick Lincoln","startTime":4867.76,"endTime":4870.5199999999995,"body":"cabinet has worked in the real"},{"speaker":"Nick Lincoln","startTime":4867.76,"endTime":4870.5199999999995,"body":"world. This is absolutely"},{"speaker":"Nick Lincoln","startTime":4870.5199999999995,"endTime":4874.0599999999995,"body":"unbelievable. It's beyond"},{"speaker":"Nick Lincoln","startTime":4870.5199999999995,"endTime":4874.0599999999995,"body":"comprehension that these people"},{"speaker":"Nick Lincoln","startTime":4874.0599999999995,"endTime":4879.0,"body":"then tell us the rules. And the"},{"speaker":"Nick Lincoln","startTime":4874.0599999999995,"endTime":4879.0,"body":"taxes and set the tone for how"},{"speaker":"Nick Lincoln","startTime":4879.0,"endTime":4882.9,"body":"we are supposed to work. So"},{"speaker":"Nick Lincoln","startTime":4879.0,"endTime":4882.9,"body":"Atlas Shrugged by iron Rand. It"},{"speaker":"Nick Lincoln","startTime":4882.9,"endTime":4886.86,"body":"is a pot boiler. Penny's, I've"},{"speaker":"Nick Lincoln","startTime":4882.9,"endTime":4886.86,"body":"given it to Penny, and she's,"},{"speaker":"Nick Lincoln","startTime":4886.86,"endTime":4891.42,"body":"she's not opened it. She just"},{"speaker":"Nick Lincoln","startTime":4886.86,"endTime":4891.42,"body":"looked at it and walked away. So"},{"speaker":"Nick Lincoln","startTime":4891.42,"endTime":4895.26,"body":"that's my that's my culture."},{"speaker":"Nick Lincoln","startTime":4891.42,"endTime":4895.26,"body":"Cheers for that corn uplifter."},{"speaker":"Nick Lincoln","startTime":4895.38,"endTime":4896.78,"body":"Well, it's now listen, you know,"},{"speaker":"Carl Widger","startTime":4896.78,"endTime":4898.94,"body":"if he does, he go"},{"speaker":"Carl Widger","startTime":4896.78,"endTime":4898.94,"body":"together? Well, you can stick we"},{"speaker":"Carl Widger","startTime":4898.94,"endTime":4899.84,"body":"can stick up. We can"},{"speaker":"Nick Lincoln","startTime":4899.84,"endTime":4901.7,"body":"stick our heads in"},{"speaker":"Nick Lincoln","startTime":4899.84,"endTime":4901.7,"body":"the ground and pretend these"},{"speaker":"Nick Lincoln","startTime":4901.7,"endTime":4903.92,"body":"things aren't happening. And"},{"speaker":"Nick Lincoln","startTime":4901.7,"endTime":4903.92,"body":"sometimes you read a work of"},{"speaker":"Nick Lincoln","startTime":4903.92,"endTime":4906.26,"body":"fiction that's a parable about"},{"speaker":"Nick Lincoln","startTime":4903.92,"endTime":4906.26,"body":"what could happen, you think,"},{"speaker":"Nick Lincoln","startTime":4906.26,"endTime":4907.88,"body":"holy shit, this is happening. I"},{"speaker":"Carl Widger","startTime":4907.88,"endTime":4912.5599999999995,"body":"was joking, right?"},{"speaker":"Carl Widger","startTime":4907.88,"endTime":4912.5599999999995,"body":"Look, we've"},{"speaker":"Unknown","startTime":4912.68,"endTime":4916.16,"body":"because it's this live"},{"speaker":"Unknown","startTime":4912.68,"endTime":4916.16,"body":"show. I think all these culture"},{"speaker":"Unknown","startTime":4916.16,"endTime":4919.0,"body":"corners have been kind of"},{"speaker":"Unknown","startTime":4916.16,"endTime":4919.0,"body":"classics, one one way or"},{"speaker":"Unknown","startTime":4919.0,"endTime":4922.3,"body":"another, right? They're not just"},{"speaker":"Unknown","startTime":4919.0,"endTime":4922.3,"body":"heavy getting, yeah, it's kind"},{"speaker":"Unknown","startTime":4922.3,"endTime":4925.66,"body":"of quite serious stuff, but they"},{"speaker":"Unknown","startTime":4922.3,"endTime":4925.66,"body":"are, yeah, it's not the latest"},{"speaker":"Unknown","startTime":4925.66,"endTime":4928.12,"body":"whatever podcast listen to last"},{"speaker":"Unknown","startTime":4925.66,"endTime":4928.12,"body":"night sort of thing. So we've"},{"speaker":"Unknown","startTime":4928.12,"endTime":4930.76,"body":"probably given a bit more"},{"speaker":"Unknown","startTime":4928.12,"endTime":4930.76,"body":"thought to it. So what my my"},{"speaker":"Unknown","startTime":4930.76,"endTime":4935.14,"body":"culture corner is not, well, a"},{"speaker":"Unknown","startTime":4930.76,"endTime":4935.14,"body":"book is part of it. And I was"},{"speaker":"Unknown","startTime":4935.14,"endTime":4937.86,"body":"just reflecting on the audience"},{"speaker":"Unknown","startTime":4935.14,"endTime":4937.86,"body":"and a lot of the messages that I"},{"speaker":"Unknown","startTime":4937.86,"endTime":4941.0999999999995,"body":"get from from advisors and where"},{"speaker":"Unknown","startTime":4937.86,"endTime":4941.0999999999995,"body":"they are on their journey. I"},{"speaker":"Unknown","startTime":4941.0999999999995,"endTime":4943.98,"body":"just want to share something."},{"speaker":"Unknown","startTime":4941.0999999999995,"endTime":4943.98,"body":"I'm going to guess probably half"},{"speaker":"Unknown","startTime":4943.98,"endTime":4946.98,"body":"of you already be very familiar"},{"speaker":"Unknown","startTime":4943.98,"endTime":4946.98,"body":"with this. Another half probably"},{"speaker":"Unknown","startTime":4946.98,"endTime":4949.38,"body":"are not and haven't heard of it."},{"speaker":"Unknown","startTime":4946.98,"endTime":4949.38,"body":"For those that haven't heard"},{"speaker":"Unknown","startTime":4949.74,"endTime":4955.5,"body":"about it, there is a model, a"},{"speaker":"Unknown","startTime":4949.74,"endTime":4955.5,"body":"series of books, templates,"},{"speaker":"Unknown","startTime":4955.5,"endTime":4958.5199999999995,"body":"structures, for anyone who's in"},{"speaker":"Unknown","startTime":4955.5,"endTime":4958.5199999999995,"body":"business, particularly small"},{"speaker":"Unknown","startTime":4958.5199999999995,"endTime":4960.98,"body":"business, if you're in a"},{"speaker":"Unknown","startTime":4958.5199999999995,"endTime":4960.98,"body":"position of leadership, if you"},{"speaker":"Unknown","startTime":4960.98,"endTime":4963.32,"body":"are thinking of starting a"},{"speaker":"Unknown","startTime":4960.98,"endTime":4963.32,"body":"business, if you are in a"},{"speaker":"Unknown","startTime":4963.32,"endTime":4965.48,"body":"business and growing it, and"},{"speaker":"Unknown","startTime":4963.32,"endTime":4965.48,"body":"you've got a some sort of"},{"speaker":"Unknown","startTime":4965.48,"endTime":4967.5199999999995,"body":"leadership role, there is a"},{"speaker":"Unknown","startTime":4965.48,"endTime":4967.5199999999995,"body":"system called the"},{"speaker":"Unknown","startTime":4967.58,"endTime":4971.84,"body":"Entrepreneurial Operating"},{"speaker":"Unknown","startTime":4967.58,"endTime":4971.84,"body":"System, EOS. Some of you very"},{"speaker":"Unknown","startTime":4971.84,"endTime":4974.96,"body":"familiar. Some of you won't have"},{"speaker":"Unknown","startTime":4971.84,"endTime":4974.96,"body":"heard of it. The kick start to"},{"speaker":"Unknown","startTime":4974.96,"endTime":4979.36,"body":"this was a book called Traction."},{"speaker":"Unknown","startTime":4974.96,"endTime":4979.36,"body":"I see Steven up there, who's one"},{"speaker":"Unknown","startTime":4979.36,"endTime":4982.54,"body":"of the early people who told me"},{"speaker":"Unknown","startTime":4979.36,"endTime":4982.54,"body":"about it through our mutual"},{"speaker":"Unknown","startTime":4982.54,"endTime":4986.74,"body":"friend Brett Davidson, and I was"},{"speaker":"Unknown","startTime":4982.54,"endTime":4986.74,"body":"just thinking, so in our firm, I"},{"speaker":"Unknown","startTime":4986.74,"endTime":4990.0999999999995,"body":"don't know, 810, years ago, we"},{"speaker":"Unknown","startTime":4986.74,"endTime":4990.0999999999995,"body":"came across this thing, and it"},{"speaker":"Unknown","startTime":4990.0999999999995,"endTime":4993.94,"body":"was just a game changer in our"},{"speaker":"Unknown","startTime":4990.0999999999995,"endTime":4993.94,"body":"business, because I have read a"},{"speaker":"Unknown","startTime":4993.94,"endTime":4996.7,"body":"ton of business books over the"},{"speaker":"Unknown","startTime":4993.94,"endTime":4996.7,"body":"years, but they were never very"},{"speaker":"Unknown","startTime":4996.7,"endTime":4999.24,"body":"practical. They're all very high"},{"speaker":"Unknown","startTime":4996.7,"endTime":4999.24,"body":"level, as if you were some sort"},{"speaker":"Unknown","startTime":4999.24,"endTime":5002.48,"body":"of global institution. This is"},{"speaker":"Unknown","startTime":4999.24,"endTime":5002.48,"body":"very practical, you know, tools,"},{"speaker":"Unknown","startTime":5002.48,"endTime":5005.0,"body":"templates, systems and"},{"speaker":"Unknown","startTime":5002.48,"endTime":5005.0,"body":"processes, and if so that, as I"},{"speaker":"Unknown","startTime":5005.0,"endTime":5007.4,"body":"say, in summary, if you're on"},{"speaker":"Unknown","startTime":5005.0,"endTime":5007.4,"body":"business and you're thinking of"},{"speaker":"Unknown","startTime":5007.4,"endTime":5009.92,"body":"taking it seriously and you're"},{"speaker":"Unknown","startTime":5007.4,"endTime":5009.92,"body":"not quite sure, because none of"},{"speaker":"Unknown","startTime":5009.92,"endTime":5012.44,"body":"us, and we're demonstrating"},{"speaker":"Unknown","startTime":5009.92,"endTime":5012.44,"body":"through this session and every"},{"speaker":"Unknown","startTime":5012.44,"endTime":5015.2,"body":"other session, we are all making"},{"speaker":"Unknown","startTime":5012.44,"endTime":5015.2,"body":"up as we go along. So I just"},{"speaker":"Unknown","startTime":5015.2,"endTime":5018.0999999999995,"body":"think it's a brilliant operating"},{"speaker":"Unknown","startTime":5015.2,"endTime":5018.0999999999995,"body":"system. For those who haven't"},{"speaker":"Unknown","startTime":5018.0999999999995,"endTime":5022.24,"body":"come across it, go and check out"},{"speaker":"Unknown","startTime":5018.0999999999995,"endTime":5022.24,"body":"EOS and the book traction. Thank"},{"speaker":"Unknown","startTime":5022.24,"endTime":5022.48,"body":"you."},{"speaker":"Nick Lincoln","startTime":5023.26,"endTime":5028.12,"body":"Okay, I think that"},{"speaker":"Nick Lincoln","startTime":5023.26,"endTime":5028.12,"body":"is the end of episode 71, of the"},{"speaker":"Nick Lincoln","startTime":5028.12,"endTime":5031.48,"body":"real advisor podcast, and"},{"speaker":"Nick Lincoln","startTime":5028.12,"endTime":5031.48,"body":"there's another episode slides"},{"speaker":"Nick Lincoln","startTime":5031.48,"endTime":5034.54,"body":"down the U bend of Father Time."},{"speaker":"Nick Lincoln","startTime":5031.48,"endTime":5034.54,"body":"Can I please ask that you do"},{"speaker":"Nick Lincoln","startTime":5034.54,"endTime":5037.0599999999995,"body":"leave a six out of five star"},{"speaker":"Nick Lincoln","startTime":5034.54,"endTime":5037.0599999999995,"body":"review on iTunes? It really does"},{"speaker":"Nick Lincoln","startTime":5037.0599999999995,"endTime":5040.38,"body":"help us. It gets us up in the"},{"speaker":"Nick Lincoln","startTime":5037.0599999999995,"endTime":5040.38,"body":"ratings. We are going to have a"},{"speaker":"Nick Lincoln","startTime":5040.38,"endTime":5043.8,"body":"short recess now, a break"},{"speaker":"Nick Lincoln","startTime":5040.38,"endTime":5043.8,"body":"whatever I think recess of"},{"speaker":"Nick Lincoln","startTime":5043.8,"endTime":5046.62,"body":"Americanism Sam has influenced"},{"speaker":"Nick Lincoln","startTime":5043.8,"endTime":5046.62,"body":"me. We're gonna have a short"},{"speaker":"Nick Lincoln","startTime":5046.62,"endTime":5050.82,"body":"break, and we're gonna come back"},{"speaker":"Nick Lincoln","startTime":5046.62,"endTime":5050.82,"body":"in 15 minutes for Q and A so"},{"speaker":"Nick Lincoln","startTime":5050.82,"endTime":5053.34,"body":"please, if you get the time to"},{"speaker":"Nick Lincoln","startTime":5050.82,"endTime":5053.34,"body":"go out there and have a libation"},{"speaker":"Nick Lincoln","startTime":5053.34,"endTime":5056.94,"body":"due on behalf of the Track Pack."},{"speaker":"Nick Lincoln","startTime":5053.34,"endTime":5056.94,"body":"We love you guys and girls."},{"speaker":"Nick Lincoln","startTime":5056.94,"endTime":5059.78,"body":"Thank you so much. Thank you for"},{"speaker":"Nick Lincoln","startTime":5056.94,"endTime":5059.78,"body":"being here today. We're going to"},{"speaker":"Nick Lincoln","startTime":5059.78,"endTime":5062.24,"body":"keep going. It's going to get"},{"speaker":"Nick Lincoln","startTime":5059.78,"endTime":5062.24,"body":"better and better, and we'll see"},{"speaker":"Nick Lincoln","startTime":5062.24,"endTime":5063.74,"body":"you in 15 minutes or so."},{"speaker":"Unknown","startTime":5079.36,"endTime":5083.14,"body":"This guy's first Mr."},{"speaker":"Unknown","startTime":5079.36,"endTime":5083.14,"body":"Paul clew Earth, there's a mic."},{"speaker":"Unknown","startTime":5083.68,"endTime":5090.34,"body":"There's a mic. He told me he's"},{"speaker":"Unknown","startTime":5083.68,"endTime":5090.34,"body":"got seven prepared questions."},{"speaker":"Unknown","startTime":5090.34,"endTime":5093.58,"body":"We'll go with one with those"},{"speaker":"Unknown","startTime":5090.34,"endTime":5093.58,"body":"next. Okay,"},{"speaker":"Unknown","startTime":5094.66,"endTime":5099.9,"body":"okay, right. I've got a question"},{"speaker":"Unknown","startTime":5094.66,"endTime":5099.9,"body":"in an age where AI Robo advice"},{"speaker":"Unknown","startTime":5099.96,"endTime":5103.68,"body":"and automated platforms are"},{"speaker":"Unknown","startTime":5099.96,"endTime":5103.68,"body":"growing fast. How do you see"},{"speaker":"Unknown","startTime":5103.74,"endTime":5107.22,"body":"real financial planners standing"},{"speaker":"Unknown","startTime":5103.74,"endTime":5107.22,"body":"out and demonstrating their true"},{"speaker":"Unknown","startTime":5107.22,"endTime":5109.32,"body":"value over the next decade?"},{"speaker":"Nick Lincoln","startTime":5110.7,"endTime":5115.44,"body":"Alan, I didn't"},{"speaker":"Nick Lincoln","startTime":5110.7,"endTime":5115.44,"body":"understand it. What'd he say?"},{"speaker":"Nick Lincoln","startTime":5115.44,"endTime":5118.88,"body":"Say again, it's got flattened"},{"speaker":"Nick Lincoln","startTime":5115.44,"endTime":5118.88,"body":"vows. It's not that difficult."},{"speaker":"Nick Lincoln","startTime":5118.88,"endTime":5122.0599999999995,"body":"Hey, he is from Bolton. We might"},{"speaker":"Nick Lincoln","startTime":5118.88,"endTime":5122.0599999999995,"body":"need to translate this"},{"speaker":"Unknown","startTime":5122.24,"endTime":5125.54,"body":"in an age where AI Robo"},{"speaker":"Unknown","startTime":5122.24,"endTime":5125.54,"body":"advice and automated platforms"},{"speaker":"Unknown","startTime":5125.54,"endTime":5129.32,"body":"are growing fast, real financial"},{"speaker":"Unknown","startTime":5125.54,"endTime":5129.32,"body":"planners standing out"},{"speaker":"Unknown","startTime":5130.22,"endTime":5130.94,"body":"demonstrating"},{"speaker":"Unknown","startTime":5132.68,"endTime":5136.66,"body":"cliched answer. But it's true,"},{"speaker":"Unknown","startTime":5132.68,"endTime":5136.66,"body":"it's just about raising the"},{"speaker":"Unknown","startTime":5137.26,"endTime":5141.5199999999995,"body":"human experience. So what we're"},{"speaker":"Unknown","startTime":5137.26,"endTime":5141.5199999999995,"body":"all for? I'm the biggest fan and"},{"speaker":"Unknown","startTime":5141.5199999999995,"endTime":5145.0,"body":"believer in technology, AI"},{"speaker":"Unknown","startTime":5141.5199999999995,"endTime":5145.0,"body":"automation. There is so much"},{"speaker":"Unknown","startTime":5145.0,"endTime":5149.62,"body":"crap in all our lives and"},{"speaker":"Unknown","startTime":5145.0,"endTime":5149.62,"body":"business lives that we've got"},{"speaker":"Unknown","startTime":5149.8,"endTime":5153.76,"body":"some of our colleagues here who"},{"speaker":"Unknown","startTime":5149.8,"endTime":5153.76,"body":"we know that, don't we that that"},{"speaker":"Unknown","startTime":5154.18,"endTime":5157.74,"body":"are time consuming, monotonous"},{"speaker":"Unknown","startTime":5154.18,"endTime":5157.74,"body":"and what have you. So I do"},{"speaker":"Unknown","startTime":5157.74,"endTime":5161.4,"body":"believe, since time began,"},{"speaker":"Unknown","startTime":5157.74,"endTime":5161.4,"body":"humans engage with other human"},{"speaker":"Unknown","startTime":5161.4,"endTime":5163.86,"body":"beings. They sit around camp"},{"speaker":"Unknown","startTime":5161.4,"endTime":5163.86,"body":"fires, they share stories, they"},{"speaker":"Unknown","startTime":5163.86,"endTime":5167.76,"body":"have conversations, they ask"},{"speaker":"Unknown","startTime":5163.86,"endTime":5167.76,"body":"great questions, and they learn"},{"speaker":"Unknown","startTime":5167.76,"endTime":5171.42,"body":"from each other. And it means,"},{"speaker":"Unknown","startTime":5167.76,"endTime":5171.42,"body":"in my opinion, you just got to"},{"speaker":"Unknown","startTime":5171.66,"endTime":5176.04,"body":"be better and better at that."},{"speaker":"Unknown","startTime":5171.66,"endTime":5176.04,"body":"And thank God, and let them."},{"speaker":"Unknown","startTime":5176.12,"endTime":5179.36,"body":"Machines and the technology and"},{"speaker":"Unknown","startTime":5176.12,"endTime":5179.36,"body":"the AI and everything else and"},{"speaker":"Unknown","startTime":5179.36,"endTime":5183.44,"body":"things like your specialist"},{"speaker":"Unknown","startTime":5179.36,"endTime":5183.44,"body":"subject, Sam marketing thing,"},{"speaker":"Unknown","startTime":5183.5,"endTime":5188.24,"body":"were overwhelmed with boring AI"},{"speaker":"Unknown","startTime":5183.5,"endTime":5188.24,"body":"content. So, but the value of"},{"speaker":"Unknown","startTime":5188.24,"endTime":5191.0,"body":"being a unique human being with"},{"speaker":"Unknown","startTime":5188.24,"endTime":5191.0,"body":"a personality and a story to"},{"speaker":"Unknown","startTime":5191.0,"endTime":5193.58,"body":"share, I think that's what it's"},{"speaker":"Unknown","startTime":5191.0,"endTime":5193.58,"body":"all about. Thoughts."},{"speaker":"Nick Lincoln","startTime":5195.08,"endTime":5197.2,"body":"Yeah, I think AI"},{"speaker":"Nick Lincoln","startTime":5195.08,"endTime":5197.2,"body":"is going to do lots of really"},{"speaker":"Nick Lincoln","startTime":5197.2,"endTime":5199.5999999999995,"body":"good stuff in terms of just"},{"speaker":"Nick Lincoln","startTime":5197.2,"endTime":5199.5999999999995,"body":"streamlining workflow and"},{"speaker":"Nick Lincoln","startTime":5199.5999999999995,"endTime":5203.44,"body":"everything else. But then are"},{"speaker":"Nick Lincoln","startTime":5199.5999999999995,"endTime":5203.44,"body":"they people by people, and never"},{"speaker":"Nick Lincoln","startTime":5203.44,"endTime":5207.46,"body":"more. So has the human"},{"speaker":"Nick Lincoln","startTime":5203.44,"endTime":5207.46,"body":"connection been important? This"},{"speaker":"Nick Lincoln","startTime":5207.46,"endTime":5210.5199999999995,"body":"whole thing of ours is about"},{"speaker":"Nick Lincoln","startTime":5207.46,"endTime":5210.5199999999995,"body":"trust, all right? And you're not"},{"speaker":"Nick Lincoln","startTime":5210.5199999999995,"endTime":5212.92,"body":"going to get that from a bot or"},{"speaker":"Nick Lincoln","startTime":5210.5199999999995,"endTime":5212.92,"body":"AI. You're going to get data."},{"speaker":"Nick Lincoln","startTime":5212.92,"endTime":5215.86,"body":"You're going to get nice prose."},{"speaker":"Nick Lincoln","startTime":5212.92,"endTime":5215.86,"body":"Maybe that sounds authentically"},{"speaker":"Nick Lincoln","startTime":5215.86,"endTime":5218.58,"body":"your voice, but people want to"},{"speaker":"Nick Lincoln","startTime":5215.86,"endTime":5218.58,"body":"look at you and they want to"},{"speaker":"Nick Lincoln","startTime":5218.58,"endTime":5220.8,"body":"hear your voice, and that's what"},{"speaker":"Nick Lincoln","startTime":5218.58,"endTime":5220.8,"body":"it's always been about. And"},{"speaker":"Nick Lincoln","startTime":5220.8,"endTime":5224.58,"body":"it'll be more so going forward,"},{"speaker":"Nick Lincoln","startTime":5220.8,"endTime":5224.58,"body":"and after a while, people don't"},{"speaker":"Nick Lincoln","startTime":5224.58,"endTime":5226.92,"body":"even care what you say. They"},{"speaker":"Nick Lincoln","startTime":5224.58,"endTime":5226.92,"body":"just don't understand half of"},{"speaker":"Nick Lincoln","startTime":5226.92,"endTime":5229.26,"body":"what we talk about. But they'll"},{"speaker":"Nick Lincoln","startTime":5226.92,"endTime":5229.26,"body":"act on it because it's Nick"},{"speaker":"Nick Lincoln","startTime":5229.26,"endTime":5231.5999999999995,"body":"Lincoln saying it, and they go,"},{"speaker":"Nick Lincoln","startTime":5229.26,"endTime":5231.5999999999995,"body":"yeah, and that's the human"},{"speaker":"Nick Lincoln","startTime":5231.5999999999995,"endTime":5234.66,"body":"thing. And that'll never go, i"},{"speaker":"Nick Lincoln","startTime":5231.5999999999995,"endTime":5234.66,"body":"think AI is going to be very"},{"speaker":"Nick Lincoln","startTime":5234.66,"endTime":5238.76,"body":"good for our profession. But"},{"speaker":"Nick Lincoln","startTime":5234.66,"endTime":5238.76,"body":"don't worry about losing the"},{"speaker":"Nick Lincoln","startTime":5238.76,"endTime":5244.58,"body":"human side of it. Admin and"},{"speaker":"Nick Lincoln","startTime":5238.76,"endTime":5244.58,"body":"power planning, you know, have a"},{"speaker":"Nick Lincoln","startTime":5244.58,"endTime":5245.0599999999995,"body":"look around."},{"speaker":"Nick Lincoln","startTime":5250.58,"endTime":5253.5199999999995,"body":"But I would say that, because"},{"speaker":"Nick Lincoln","startTime":5250.58,"endTime":5253.5199999999995,"body":"that's their help. But, yeah, I"},{"speaker":"Nick Lincoln","startTime":5253.5199999999995,"endTime":5254.78,"body":"think from the advice, but"},{"speaker":"Unknown","startTime":5254.78,"endTime":5258.76,"body":"that's the point, that"},{"speaker":"Unknown","startTime":5254.78,"endTime":5258.76,"body":"role. Let's face it, it's not"},{"speaker":"Unknown","startTime":5258.76,"endTime":5261.94,"body":"the most exciting thing. No one"},{"speaker":"Unknown","startTime":5258.76,"endTime":5261.94,"body":"other things I say. No one"},{"speaker":"Unknown","startTime":5261.94,"endTime":5264.58,"body":"committed financial planning to"},{"speaker":"Unknown","startTime":5261.94,"endTime":5264.58,"body":"sit in a darkened room with"},{"speaker":"Unknown","startTime":5264.58,"endTime":5267.64,"body":"spreadsheets and writing"},{"speaker":"Unknown","startTime":5264.58,"endTime":5267.64,"body":"reports. It's dull, right? So"},{"speaker":"Unknown","startTime":5267.64,"endTime":5271.0599999999995,"body":"those very people who can"},{"speaker":"Unknown","startTime":5267.64,"endTime":5271.0599999999995,"body":"elevate their own experience,"},{"speaker":"Unknown","startTime":5271.0599999999995,"endTime":5275.62,"body":"engagement with with others,"},{"speaker":"Unknown","startTime":5271.0599999999995,"endTime":5275.62,"body":"it's better for everyone. It's"},{"speaker":"Unknown","startTime":5275.62,"endTime":5280.38,"body":"better for clients, better for"},{"speaker":"Unknown","startTime":5275.62,"endTime":5280.38,"body":"team, staff, everyone else. So I"},{"speaker":"Unknown","startTime":5280.38,"endTime":5282.84,"body":"think the future is very, very"},{"speaker":"Unknown","startTime":5280.38,"endTime":5282.84,"body":"bright, regardless of where you"},{"speaker":"Unknown","startTime":5282.84,"endTime":5284.34,"body":"are in our profession, ultra"},{"speaker":"Nick Lincoln","startTime":5284.4,"endTime":5286.44,"body":"I believe the"},{"speaker":"Nick Lincoln","startTime":5284.4,"endTime":5286.44,"body":"number one thing our clients are"},{"speaker":"Nick Lincoln","startTime":5286.44,"endTime":5289.92,"body":"paying us for is behavioral"},{"speaker":"Nick Lincoln","startTime":5286.44,"endTime":5289.92,"body":"coaching. The recent wobble in"},{"speaker":"Nick Lincoln","startTime":5289.92,"endTime":5292.62,"body":"the markets at the end of March"},{"speaker":"Nick Lincoln","startTime":5289.92,"endTime":5292.62,"body":"just confirms that we are needed"},{"speaker":"Nick Lincoln","startTime":5292.62,"endTime":5295.38,"body":"more than ever. Obviously, there"},{"speaker":"Nick Lincoln","startTime":5292.62,"endTime":5295.38,"body":"was an extreme decline and"},{"speaker":"Nick Lincoln","startTime":5295.38,"endTime":5298.0999999999995,"body":"there's an extreme advance, but"},{"speaker":"Nick Lincoln","startTime":5295.38,"endTime":5298.0999999999995,"body":"the people that don't have the"},{"speaker":"Nick Lincoln","startTime":5298.0999999999995,"endTime":5301.0999999999995,"body":"human advisor have probably made"},{"speaker":"Nick Lincoln","startTime":5298.0999999999995,"endTime":5301.0999999999995,"body":"insane mistakes that they maybe"},{"speaker":"Nick Lincoln","startTime":5301.0999999999995,"endTime":5304.34,"body":"never recover from. So AI,"},{"speaker":"Nick Lincoln","startTime":5301.0999999999995,"endTime":5304.34,"body":"software technology is amazing,"},{"speaker":"Nick Lincoln","startTime":5304.34,"endTime":5306.86,"body":"but as I say, the human"},{"speaker":"Nick Lincoln","startTime":5304.34,"endTime":5306.86,"body":"connection is is number one,"},{"speaker":"Nick Lincoln","startTime":5307.04,"endTime":5310.04,"body":"irreplaceably human, I think is"},{"speaker":"Nick Lincoln","startTime":5307.04,"endTime":5310.04,"body":"the key words I've heard today."},{"speaker":"Nick Lincoln","startTime":5310.04,"endTime":5312.0199999999995,"body":"So yeah. Carl thoughts,"},{"speaker":"Carl Widger","startTime":5312.44,"endTime":5316.96,"body":"why are you all"},{"speaker":"Carl Widger","startTime":5312.44,"endTime":5316.96,"body":"here? Good question. Genuinely,"},{"speaker":"Carl Widger","startTime":5317.0199999999995,"endTime":5321.64,"body":"you're all here to talk to each"},{"speaker":"Carl Widger","startTime":5317.0199999999995,"endTime":5321.64,"body":"other, to to have that human"},{"speaker":"Carl Widger","startTime":5321.64,"endTime":5327.5199999999995,"body":"connection. We crave it. AI can"},{"speaker":"Carl Widger","startTime":5321.64,"endTime":5327.5199999999995,"body":"do its thing. I would say that"},{"speaker":"Carl Widger","startTime":5328.0599999999995,"endTime":5332.68,"body":"like aI can't in a financial"},{"speaker":"Carl Widger","startTime":5328.0599999999995,"endTime":5332.68,"body":"planning team can't create what"},{"speaker":"Carl Widger","startTime":5332.68,"endTime":5335.68,"body":"if scenarios around goals,"},{"speaker":"Carl Widger","startTime":5332.68,"endTime":5335.68,"body":"dreams and aspirations, it just"},{"speaker":"Carl Widger","startTime":5335.68,"endTime":5339.42,"body":"can't. So I don't think para"},{"speaker":"Carl Widger","startTime":5335.68,"endTime":5339.42,"body":"planners can be replaced there,"},{"speaker":"Carl Widger","startTime":5339.84,"endTime":5346.86,"body":"but I think we all I'm sure of"},{"speaker":"Carl Widger","startTime":5339.84,"endTime":5346.86,"body":"it. We know it. This is proof of"},{"speaker":"Carl Widger","startTime":5346.86,"endTime":5351.12,"body":"it, that we all crave human"},{"speaker":"Carl Widger","startTime":5346.86,"endTime":5351.12,"body":"connection, so therefore I"},{"speaker":"Carl Widger","startTime":5351.12,"endTime":5357.86,"body":"wouldn't give all my money to a"},{"speaker":"Carl Widger","startTime":5351.12,"endTime":5357.86,"body":"robot online. So you can assume"},{"speaker":"Carl Widger","startTime":5357.86,"endTime":5361.0999999999995,"body":"most of your clients are not"},{"speaker":"Carl Widger","startTime":5357.86,"endTime":5361.0999999999995,"body":"going to do it, so therefore we"},{"speaker":"Carl Widger","startTime":5361.16,"endTime":5362.24,"body":"will endure."},{"speaker":"Nick Lincoln","startTime":5363.0199999999995,"endTime":5366.44,"body":"Okay, really good."},{"speaker":"Nick Lincoln","startTime":5363.0199999999995,"endTime":5366.44,"body":"Next question, please. John"},{"speaker":"Unknown","startTime":5367.28,"endTime":5367.7,"body":"fellow"},{"speaker":"Unknown","startTime":5369.86,"endTime":5370.58,"body":"Scott,"},{"speaker":"Unknown","startTime":5371.66,"endTime":5374.78,"body":"thank you. Hello. Good evening."},{"speaker":"Unknown","startTime":5371.66,"endTime":5374.78,"body":"John Douglas from finicol wealth"},{"speaker":"Unknown","startTime":5374.84,"endTime":5377.92,"body":"in Glasgow, the sub city north,"},{"speaker":"Unknown","startTime":5378.88,"endTime":5380.26,"body":"I heard of it. I"},{"speaker":"Nick Lincoln","startTime":5381.28,"endTime":5383.08,"body":"believe it exists."},{"speaker":"Nick Lincoln","startTime":5381.28,"endTime":5383.08,"body":"Have you been Nick,"},{"speaker":"Unknown","startTime":5383.14,"endTime":5385.84,"body":"before I ask my"},{"speaker":"Unknown","startTime":5383.14,"endTime":5385.84,"body":"question, can I just say on"},{"speaker":"Unknown","startTime":5385.84,"endTime":5388.9,"body":"behalf of all the Trappists in"},{"speaker":"Unknown","startTime":5385.84,"endTime":5388.9,"body":"the room, excluding those who"},{"speaker":"Unknown","startTime":5388.9,"endTime":5391.84,"body":"have gone home early to thank"},{"speaker":"Unknown","startTime":5388.9,"endTime":5391.84,"body":"you very much indeed for all"},{"speaker":"Unknown","startTime":5391.84,"endTime":5395.44,"body":"that you do. It's always very"},{"speaker":"Unknown","startTime":5391.84,"endTime":5395.44,"body":"informative, educational and"},{"speaker":"Unknown","startTime":5395.44,"endTime":5398.82,"body":"entertaining, and we have a deep"},{"speaker":"Unknown","startTime":5395.44,"endTime":5398.82,"body":"debt of gratitude to you for"},{"speaker":"Unknown","startTime":5398.88,"endTime":5399.42,"body":"that. So thank"},{"speaker":"Unknown","startTime":5407.7,"endTime":5410.64,"body":"you continue for many, many"},{"speaker":"Unknown","startTime":5407.7,"endTime":5410.64,"body":"years to come. So the question"},{"speaker":"Unknown","startTime":5410.64,"endTime":5415.5,"body":"but about the significant"},{"speaker":"Unknown","startTime":5410.64,"endTime":5415.5,"body":"changes coming up in the UK next"},{"speaker":"Unknown","startTime":5415.5,"endTime":5417.62,"body":"year, around business relief,"},{"speaker":"Unknown","startTime":5415.5,"endTime":5417.62,"body":"the following year, learned"},{"speaker":"Unknown","startTime":5417.68,"endTime":5421.34,"body":"around pensions becoming back"},{"speaker":"Unknown","startTime":5417.68,"endTime":5421.34,"body":"into the inheritance tax net,"},{"speaker":"Unknown","startTime":5421.76,"endTime":5426.08,"body":"and you alluded to the"},{"speaker":"Unknown","startTime":5421.76,"endTime":5426.08,"body":"terminology wealth managers have"},{"speaker":"Unknown","startTime":5426.08,"endTime":5428.42,"body":"all become a little bit"},{"speaker":"Unknown","startTime":5426.08,"endTime":5428.42,"body":"sophisticated over the years."},{"speaker":"Unknown","startTime":5428.66,"endTime":5431.48,"body":"Should we kind of reboot a"},{"speaker":"Unknown","startTime":5428.66,"endTime":5431.48,"body":"little bit, get back to vanilla"},{"speaker":"Unknown","startTime":5431.48,"endTime":5434.42,"body":"basics and have life assurance"},{"speaker":"Unknown","startTime":5431.48,"endTime":5434.42,"body":"at the top of our agendas?"},{"speaker":"Unknown","startTime":5438.68,"endTime":5443.08,"body":"So my, my, my take on that is"},{"speaker":"Unknown","startTime":5438.68,"endTime":5443.08,"body":"quite simple. We're in the we're"},{"speaker":"Unknown","startTime":5443.08,"endTime":5445.42,"body":"in the business of problem"},{"speaker":"Unknown","startTime":5443.08,"endTime":5445.42,"body":"solving, right? That's what we"},{"speaker":"Unknown","startTime":5445.42,"endTime":5448.9,"body":"should be. So, so I'm, I happen"},{"speaker":"Unknown","startTime":5445.42,"endTime":5448.9,"body":"to be, this applies regardless"},{"speaker":"Unknown","startTime":5448.9,"endTime":5451.3,"body":"of what sort of client bank you"},{"speaker":"Unknown","startTime":5448.9,"endTime":5451.3,"body":"look for. I'm a believer in"},{"speaker":"Unknown","startTime":5451.3,"endTime":5454.0,"body":"being sort of a niche focus and"},{"speaker":"Unknown","startTime":5451.3,"endTime":5454.0,"body":"looking after specifics. So if"},{"speaker":"Unknown","startTime":5454.0,"endTime":5457.2,"body":"you've got business owner"},{"speaker":"Unknown","startTime":5454.0,"endTime":5457.2,"body":"clients, or dentist clients, or"},{"speaker":"Unknown","startTime":5457.2,"endTime":5460.86,"body":"whatever it is, but it applies"},{"speaker":"Unknown","startTime":5457.2,"endTime":5460.86,"body":"across the piece. What Who do"},{"speaker":"Unknown","startTime":5460.86,"endTime":5463.08,"body":"you Who do you serve? Who do you"},{"speaker":"Unknown","startTime":5460.86,"endTime":5463.08,"body":"look after, who do you work"},{"speaker":"Unknown","startTime":5463.08,"endTime":5465.42,"body":"with, and what are the unique"},{"speaker":"Unknown","startTime":5463.08,"endTime":5465.42,"body":"challenges and problems that"},{"speaker":"Unknown","startTime":5465.42,"endTime":5467.76,"body":"they've got? It shouldn't come"},{"speaker":"Unknown","startTime":5465.42,"endTime":5467.76,"body":"from us. Should we sell more"},{"speaker":"Unknown","startTime":5467.76,"endTime":5470.22,"body":"insurance? Well, is that an"},{"speaker":"Unknown","startTime":5467.76,"endTime":5470.22,"body":"issue for your target audience?"},{"speaker":"Unknown","startTime":5470.64,"endTime":5474.66,"body":"I think we have become just"},{"speaker":"Unknown","startTime":5470.64,"endTime":5474.66,"body":"diverted by some of these"},{"speaker":"Unknown","startTime":5474.66,"endTime":5477.86,"body":"things. Because let's, let's"},{"speaker":"Unknown","startTime":5474.66,"endTime":5477.86,"body":"face it. Of some of the aspects"},{"speaker":"Unknown","startTime":5477.86,"endTime":5481.16,"body":"you talk about. And as you said,"},{"speaker":"Unknown","startTime":5477.86,"endTime":5481.16,"body":"business relief, etc, throws up"},{"speaker":"Unknown","startTime":5481.16,"endTime":5483.38,"body":"a whole lot of set of"},{"speaker":"Unknown","startTime":5481.16,"endTime":5483.38,"body":"challenges, which involves tax,"},{"speaker":"Unknown","startTime":5483.38,"endTime":5487.46,"body":"maybe trusts insurance,"},{"speaker":"Unknown","startTime":5483.38,"endTime":5487.46,"body":"complexity, so it's harder, but"},{"speaker":"Unknown","startTime":5487.7,"endTime":5491.42,"body":"there, but at the same time,"},{"speaker":"Unknown","startTime":5487.7,"endTime":5491.42,"body":"there's absolutely now and in"},{"speaker":"Unknown","startTime":5491.42,"endTime":5493.82,"body":"the future, there's a whole, if"},{"speaker":"Unknown","startTime":5491.42,"endTime":5493.82,"body":"you look after business owner"},{"speaker":"Unknown","startTime":5493.82,"endTime":5498.0999999999995,"body":"clients specifically, or"},{"speaker":"Unknown","startTime":5493.82,"endTime":5498.0999999999995,"body":"farmers, Nick performance, there"},{"speaker":"Unknown","startTime":5498.4,"endTime":5504.16,"body":"is a set of there's a new set."},{"speaker":"Unknown","startTime":5498.4,"endTime":5504.16,"body":"There is a new set of"},{"speaker":"Unknown","startTime":5504.22,"endTime":5511.12,"body":"challenges. Just on that point"},{"speaker":"Unknown","startTime":5504.22,"endTime":5511.12,"body":"back in my don't play the drop"},{"speaker":"Unknown","startTime":5511.48,"endTime":5516.0999999999995,"body":"in my early days, was an IFA"},{"speaker":"Unknown","startTime":5511.48,"endTime":5516.0999999999995,"body":"long since retired, who very,"},{"speaker":"Unknown","startTime":5516.0999999999995,"endTime":5518.64,"body":"very very successful guy who"},{"speaker":"Unknown","startTime":5516.0999999999995,"endTime":5518.64,"body":"talked told me a lot about it."},{"speaker":"Unknown","startTime":5518.64,"endTime":5521.34,"body":"He said, he said, when these"},{"speaker":"Unknown","startTime":5518.64,"endTime":5521.34,"body":"things come in, generally,"},{"speaker":"Unknown","startTime":5521.34,"endTime":5526.0199999999995,"body":"generally, generally, generally"},{"speaker":"Unknown","startTime":5521.34,"endTime":5526.0199999999995,"body":"socialist governments, that even"},{"speaker":"Unknown","startTime":5526.0199999999995,"endTime":5534.3,"body":"should talk about, how do I deal"},{"speaker":"Unknown","startTime":5526.0199999999995,"endTime":5534.3,"body":"with these amateurs, when you"},{"speaker":"Unknown","startTime":5534.3,"endTime":5537.26,"body":"have a government where there's"},{"speaker":"Unknown","startTime":5534.3,"endTime":5537.26,"body":"higher taxes and everything else"},{"speaker":"Unknown","startTime":5537.26,"endTime":5540.38,"body":"as an advisor. So it affects"},{"speaker":"Unknown","startTime":5537.26,"endTime":5540.38,"body":"you. You pay more tax yourself,"},{"speaker":"Unknown","startTime":5540.5599999999995,"endTime":5544.22,"body":"but there are so many and more"},{"speaker":"Unknown","startTime":5540.5599999999995,"endTime":5544.22,"body":"opportunities for advisors. So"},{"speaker":"Unknown","startTime":5544.28,"endTime":5547.16,"body":"in summary, find who do you work"},{"speaker":"Unknown","startTime":5544.28,"endTime":5547.16,"body":"with? What are the problems? And"},{"speaker":"Unknown","startTime":5547.16,"endTime":5549.8,"body":"yes, if some of the problems"},{"speaker":"Unknown","startTime":5547.16,"endTime":5549.8,"body":"demand you learn more about if"},{"speaker":"Unknown","startTime":5549.8,"endTime":5552.26,"body":"it's insurance or anything else,"},{"speaker":"Unknown","startTime":5549.8,"endTime":5552.26,"body":"then you absolutely should."},{"speaker":"Nick Lincoln","startTime":5553.04,"endTime":5555.14,"body":"Yeah, very brief"},{"speaker":"Nick Lincoln","startTime":5553.04,"endTime":5555.14,"body":"comment. We've not yet seen"},{"speaker":"Nick Lincoln","startTime":5555.14,"endTime":5558.0999999999995,"body":"these changes come into play."},{"speaker":"Nick Lincoln","startTime":5555.14,"endTime":5558.0999999999995,"body":"The Business One is huge. The"},{"speaker":"Nick Lincoln","startTime":5558.0999999999995,"endTime":5562.0,"body":"pension one is ginormous. We"},{"speaker":"Nick Lincoln","startTime":5558.0999999999995,"endTime":5562.0,"body":"don't know exactly how it's"},{"speaker":"Nick Lincoln","startTime":5562.0,"endTime":5564.34,"body":"going to going to play out, but"},{"speaker":"Nick Lincoln","startTime":5562.0,"endTime":5564.34,"body":"when the facts change, we change"},{"speaker":"Nick Lincoln","startTime":5564.34,"endTime":5567.64,"body":"our mind. So yes, the insurance"},{"speaker":"Nick Lincoln","startTime":5564.34,"endTime":5567.64,"body":"option might become a lot more"},{"speaker":"Nick Lincoln","startTime":5567.64,"endTime":5570.28,"body":"front of mind to us in the room,"},{"speaker":"Nick Lincoln","startTime":5567.64,"endTime":5570.28,"body":"but as I say, we haven't yet"},{"speaker":"Nick Lincoln","startTime":5570.28,"endTime":5573.28,"body":"seen what this these huge"},{"speaker":"Nick Lincoln","startTime":5570.28,"endTime":5573.28,"body":"changes are going to be. But"},{"speaker":"Nick Lincoln","startTime":5573.28,"endTime":5575.5599999999995,"body":"yeah, it's going to be"},{"speaker":"Nick Lincoln","startTime":5573.28,"endTime":5575.5599999999995,"body":"interesting. Watch this space. I"},{"speaker":"Nick Lincoln","startTime":5575.5599999999995,"endTime":5579.42,"body":"kind of got out of the habit of"},{"speaker":"Nick Lincoln","startTime":5575.5599999999995,"endTime":5579.42,"body":"writing life assurance, John. I"},{"speaker":"Nick Lincoln","startTime":5579.42,"endTime":5582.48,"body":"think many of us might have done"},{"speaker":"Nick Lincoln","startTime":5579.42,"endTime":5582.48,"body":"that. And now, when I, if I take"},{"speaker":"Nick Lincoln","startTime":5582.48,"endTime":5586.38,"body":"on board a prospect couple in"},{"speaker":"Nick Lincoln","startTime":5582.48,"endTime":5586.38,"body":"their sort of 30s or 40s with a"},{"speaker":"Nick Lincoln","startTime":5586.38,"endTime":5588.78,"body":"mortgage already, I kind of pray"},{"speaker":"Nick Lincoln","startTime":5586.38,"endTime":5588.78,"body":"they got the life assurance in"},{"speaker":"Nick Lincoln","startTime":5588.78,"endTime":5595.26,"body":"place. Okay, so we all will,"},{"speaker":"Nick Lincoln","startTime":5588.78,"endTime":5595.26,"body":"yeah, right, because it's such a"},{"speaker":"Nick Lincoln","startTime":5595.26,"endTime":5599.9,"body":"ball Lake, isn't it, and the"},{"speaker":"Nick Lincoln","startTime":5595.26,"endTime":5599.9,"body":"Commission, the Commission and"},{"speaker":"Nick Lincoln","startTime":5599.9,"endTime":5603.14,"body":"the Commission. So the joint"},{"speaker":"Nick Lincoln","startTime":5599.9,"endTime":5603.14,"body":"life second death kind of thing"},{"speaker":"Nick Lincoln","startTime":5603.14,"endTime":5607.64,"body":"might come back into vogue, but"},{"speaker":"Nick Lincoln","startTime":5603.14,"endTime":5607.64,"body":"it's you got too healthy, too"},{"speaker":"Nick Lincoln","startTime":5607.64,"endTime":5611.42,"body":"healthy. A couple in their 30s,"},{"speaker":"Nick Lincoln","startTime":5607.64,"endTime":5611.42,"body":"and you get a quote for term"},{"speaker":"Nick Lincoln","startTime":5611.42,"endTime":5613.76,"body":"assurance. Then you try and put"},{"speaker":"Nick Lincoln","startTime":5611.42,"endTime":5613.76,"body":"place setting, you know, one of"},{"speaker":"Nick Lincoln","startTime":5613.76,"endTime":5617.44,"body":"them cut their toe now, and it's"},{"speaker":"Nick Lincoln","startTime":5613.76,"endTime":5617.44,"body":"a rating comes in. I just think"},{"speaker":"Nick Lincoln","startTime":5617.44,"endTime":5620.68,"body":"Jordan of second death. It"},{"speaker":"Nick Lincoln","startTime":5617.44,"endTime":5620.68,"body":"should be, it should be a much"},{"speaker":"Nick Lincoln","startTime":5620.68,"endTime":5623.14,"body":"more used thing going forward."},{"speaker":"Nick Lincoln","startTime":5620.68,"endTime":5623.14,"body":"And it's covered, yeah, but just"},{"speaker":"Nick Lincoln","startTime":5623.14,"endTime":5626.14,"body":"getting this stuff on the books"},{"speaker":"Nick Lincoln","startTime":5623.14,"endTime":5626.14,"body":"is so bloody painful. I'm not"},{"speaker":"Nick Lincoln","startTime":5626.14,"endTime":5630.4,"body":"sure. I'm not sure it will be,"},{"speaker":"Nick Lincoln","startTime":5626.14,"endTime":5630.4,"body":"yeah. So the way that markets"},{"speaker":"Unknown","startTime":5630.4,"endTime":5632.44,"body":"work, what we might see"},{"speaker":"Unknown","startTime":5630.4,"endTime":5632.44,"body":"increasingly, if this is an"},{"speaker":"Unknown","startTime":5632.44,"endTime":5635.32,"body":"absolute need to get them all"},{"speaker":"Unknown","startTime":5632.44,"endTime":5635.32,"body":"believed, think capitalism"},{"speaker":"Unknown","startTime":5635.32,"endTime":5638.46,"body":"creates solutions to problems"},{"speaker":"Unknown","startTime":5635.32,"endTime":5638.46,"body":"that are apparent. And what I'm"},{"speaker":"Unknown","startTime":5638.46,"endTime":5642.0599999999995,"body":"seeing, and this exists because"},{"speaker":"Unknown","startTime":5638.46,"endTime":5642.0599999999995,"body":"I spent a bit more attention on"},{"speaker":"Unknown","startTime":5642.0599999999995,"endTime":5644.7,"body":"it recently, is you have"},{"speaker":"Unknown","startTime":5642.0599999999995,"endTime":5644.7,"body":"specialist companies who just do"},{"speaker":"Unknown","startTime":5644.7,"endTime":5646.92,"body":"this that you can build"},{"speaker":"Unknown","startTime":5644.7,"endTime":5646.92,"body":"partnerships, relationships"},{"speaker":"Unknown","startTime":5646.92,"endTime":5649.86,"body":"with. Say, we come across this."},{"speaker":"Unknown","startTime":5646.92,"endTime":5649.86,"body":"It's very complex business only"},{"speaker":"Unknown","startTime":5649.86,"endTime":5652.14,"body":"situation with different"},{"speaker":"Unknown","startTime":5649.86,"endTime":5652.14,"body":"ownership structures. We're"},{"speaker":"Unknown","startTime":5652.14,"endTime":5654.78,"body":"going to refer these companies"},{"speaker":"Unknown","startTime":5652.14,"endTime":5654.78,"body":"going to work as a partnership"},{"speaker":"Unknown","startTime":5654.9,"endTime":5656.94,"body":"like, you know, like a good"},{"speaker":"Unknown","startTime":5654.9,"endTime":5656.94,"body":"doctor or lawyer says they could"},{"speaker":"Unknown","startTime":5656.94,"endTime":5659.18,"body":"deal with a specialist, but"},{"speaker":"Unknown","startTime":5656.94,"endTime":5659.18,"body":"we'll manage the overall piece."},{"speaker":"Unknown","startTime":5659.3,"endTime":5661.28,"body":"I think that'll become"},{"speaker":"Unknown","startTime":5659.3,"endTime":5661.28,"body":"increasingly popular."},{"speaker":"Carl Widger","startTime":5662.78,"endTime":5665.42,"body":"John, thanks for"},{"speaker":"Carl Widger","startTime":5662.78,"endTime":5665.42,"body":"the first comment, by the way."},{"speaker":"Carl Widger","startTime":5665.84,"endTime":5668.96,"body":"Yeah, thank you. If you're doing"},{"speaker":"Carl Widger","startTime":5665.84,"endTime":5668.96,"body":"real financial planning and"},{"speaker":"Carl Widger","startTime":5668.96,"endTime":5673.22,"body":"things change in terms of"},{"speaker":"Carl Widger","startTime":5668.96,"endTime":5673.22,"body":"legislation or tax regimes, that"},{"speaker":"Carl Widger","startTime":5673.22,"endTime":5677.14,"body":"determines where you go in term"},{"speaker":"Carl Widger","startTime":5673.22,"endTime":5677.14,"body":"you know, for products or"},{"speaker":"Carl Widger","startTime":5677.14,"endTime":5682.3,"body":"solutions. So I know I answer"},{"speaker":"Carl Widger","startTime":5677.14,"endTime":5682.3,"body":"this. This is the same answer"},{"speaker":"Carl Widger","startTime":5682.3,"endTime":5685.3,"body":"all the time. It's like the"},{"speaker":"Carl Widger","startTime":5682.3,"endTime":5685.3,"body":"financial plan will dictate,"},{"speaker":"Carl Widger","startTime":5686.08,"endTime":5689.5599999999995,"body":"because the financial This is"},{"speaker":"Carl Widger","startTime":5686.08,"endTime":5689.5599999999995,"body":"why AI is never going to"},{"speaker":"Carl Widger","startTime":5689.74,"endTime":5695.26,"body":"supersede us, because we will do"},{"speaker":"Carl Widger","startTime":5689.74,"endTime":5695.26,"body":"it for each family individually,"},{"speaker":"Carl Widger","startTime":5695.5,"endTime":5700.0199999999995,"body":"do the financial plan, and then"},{"speaker":"Carl Widger","startTime":5695.5,"endTime":5700.0199999999995,"body":"we will decide, and only then,"},{"speaker":"Carl Widger","startTime":5700.38,"endTime":5704.22,"body":"on what financial products,"},{"speaker":"Carl Widger","startTime":5700.38,"endTime":5704.22,"body":"investment funds, etc, they"},{"speaker":"Carl Widger","startTime":5704.22,"endTime":5707.7,"body":"need. So stick to your guns."},{"speaker":"Carl Widger","startTime":5704.22,"endTime":5707.7,"body":"Everyone. Stick to your guns. No"},{"speaker":"Carl Widger","startTime":5707.7,"endTime":5711.3,"body":"matter what happens in terms of"},{"speaker":"Carl Widger","startTime":5707.7,"endTime":5711.3,"body":"regimes, everybody you know, the"},{"speaker":"Carl Widger","startTime":5711.3,"endTime":5715.32,"body":"families you serve, still need"},{"speaker":"Carl Widger","startTime":5711.3,"endTime":5715.32,"body":"real financial planning."},{"speaker":"Unknown","startTime":5716.58,"endTime":5719.78,"body":"Okay, next question, hi"},{"speaker":"Unknown","startTime":5716.58,"endTime":5719.78,"body":"guys. So yeah, it's just a quick"},{"speaker":"Unknown","startTime":5719.78,"endTime":5724.5199999999995,"body":"one. So you're big advocates for"},{"speaker":"Unknown","startTime":5719.78,"endTime":5724.5199999999995,"body":"full financial planning. What I"},{"speaker":"Unknown","startTime":5724.5199999999995,"endTime":5727.76,"body":"want to know is, how have you"},{"speaker":"Unknown","startTime":5724.5199999999995,"endTime":5727.76,"body":"actually incorporated that into"},{"speaker":"Unknown","startTime":5727.76,"endTime":5731.18,"body":"your own lives? So you talk"},{"speaker":"Unknown","startTime":5727.76,"endTime":5731.18,"body":"about it with clients, what you"},{"speaker":"Unknown","startTime":5731.18,"endTime":5734.18,"body":"actually do in your own lives"},{"speaker":"Unknown","startTime":5731.18,"endTime":5734.18,"body":"where it kind of resonate,"},{"speaker":"Unknown","startTime":5734.24,"endTime":5736.48,"body":"resonates the giggling, yeah."},{"speaker":"Unknown","startTime":5734.24,"endTime":5736.48,"body":"Can"},{"speaker":"Nick Lincoln","startTime":5737.98,"endTime":5739.18,"body":"we have different"},{"speaker":"Nick Lincoln","startTime":5737.98,"endTime":5739.18,"body":"question?"},{"speaker":"Nick Lincoln","startTime":5745.54,"endTime":5749.14,"body":"I quickly go, but yeah, I do it."},{"speaker":"Nick Lincoln","startTime":5745.54,"endTime":5749.14,"body":"We Penny and I Well, Penny sits"},{"speaker":"Nick Lincoln","startTime":5749.14,"endTime":5752.26,"body":"in but not every I have my own"},{"speaker":"Nick Lincoln","startTime":5749.14,"endTime":5752.26,"body":"financial plan. I use the same"},{"speaker":"Nick Lincoln","startTime":5752.26,"endTime":5755.44,"body":"software I use with clients I"},{"speaker":"Nick Lincoln","startTime":5752.26,"endTime":5755.44,"body":"don't Alan Andy might add a"},{"speaker":"Nick Lincoln","startTime":5755.44,"endTime":5758.0999999999995,"body":"little twist on this. I"},{"speaker":"Nick Lincoln","startTime":5755.44,"endTime":5758.0999999999995,"body":"absolutely embrace, and I do"},{"speaker":"Nick Lincoln","startTime":5758.0999999999995,"endTime":5761.58,"body":"have my annual planning meeting"},{"speaker":"Nick Lincoln","startTime":5758.0999999999995,"endTime":5761.58,"body":"with myself. I go through the"},{"speaker":"Nick Lincoln","startTime":5761.58,"endTime":5763.98,"body":"same process as I did with my"},{"speaker":"Nick Lincoln","startTime":5761.58,"endTime":5763.98,"body":"clients. I totally but I"},{"speaker":"Nick Lincoln","startTime":5763.98,"endTime":5766.32,"body":"believe, I believe, if you get"},{"speaker":"Nick Lincoln","startTime":5763.98,"endTime":5766.32,"body":"the inputs right, the outputs of"},{"speaker":"Nick Lincoln","startTime":5766.32,"endTime":5769.38,"body":"the software are so great, so"},{"speaker":"Nick Lincoln","startTime":5766.32,"endTime":5769.38,"body":"intuitive. So I do and I invest"},{"speaker":"Nick Lincoln","startTime":5769.38,"endTime":5772.08,"body":"in the same funds my clients are"},{"speaker":"Nick Lincoln","startTime":5769.38,"endTime":5772.08,"body":"invested in. I think financial"},{"speaker":"Nick Lincoln","startTime":5772.08,"endTime":5774.78,"body":"advisors who invest in something"},{"speaker":"Nick Lincoln","startTime":5772.08,"endTime":5774.78,"body":"different to the portfolios they"},{"speaker":"Nick Lincoln","startTime":5774.78,"endTime":5778.22,"body":"put their clients into are. Are"},{"speaker":"Nick Lincoln","startTime":5774.78,"endTime":5778.22,"body":"the spawn of Satan. So I'm in"},{"speaker":"Nick Lincoln","startTime":5778.22,"endTime":5781.16,"body":"the same funds of my clients. I"},{"speaker":"Nick Lincoln","startTime":5778.22,"endTime":5781.16,"body":"take the same medicine as them."},{"speaker":"Nick Lincoln","startTime":5781.16,"endTime":5783.44,"body":"I'm on the same platform as"},{"speaker":"Nick Lincoln","startTime":5781.16,"endTime":5783.44,"body":"them. I use the same financial"},{"speaker":"Nick Lincoln","startTime":5783.44,"endTime":5788.0599999999995,"body":"planning software as them, and I"},{"speaker":"Nick Lincoln","startTime":5783.44,"endTime":5788.0599999999995,"body":"totally buy into financial"},{"speaker":"Nick Lincoln","startTime":5788.0599999999995,"endTime":5790.34,"body":"planning built around a"},{"speaker":"Nick Lincoln","startTime":5788.0599999999995,"endTime":5790.34,"body":"meaningful cash flow forecast."},{"speaker":"Nick Lincoln","startTime":5790.5199999999995,"endTime":5795.26,"body":"And I cannot imagine giving any"},{"speaker":"Nick Lincoln","startTime":5790.5199999999995,"endTime":5795.26,"body":"advice to anybody without the"},{"speaker":"Nick Lincoln","startTime":5795.26,"endTime":5798.28,"body":"context of a financial plan in"},{"speaker":"Nick Lincoln","startTime":5795.26,"endTime":5798.28,"body":"the background. So I totally"},{"speaker":"Nick Lincoln","startTime":5798.28,"endTime":5804.7,"body":"imbibe it. That's That's my"},{"speaker":"Nick Lincoln","startTime":5798.28,"endTime":5804.7,"body":"approach to that"},{"speaker":"Unknown","startTime":5804.7,"endTime":5807.5199999999995,"body":"when I answer, because"},{"speaker":"Unknown","startTime":5804.7,"endTime":5807.5199999999995,"body":"I do, but I guess what I'm"},{"speaker":"Unknown","startTime":5807.5199999999995,"endTime":5811.18,"body":"trying to ask to a different"},{"speaker":"Unknown","startTime":5807.5199999999995,"endTime":5811.18,"body":"question, personally, lifestyle"},{"speaker":"Unknown","startTime":5811.18,"endTime":5815.44,"body":"wise, what are you doing"},{"speaker":"Unknown","startTime":5811.18,"endTime":5815.44,"body":"differently from that? Finance?"},{"speaker":"Unknown","startTime":5815.44,"endTime":5816.04,"body":"What's your name?"},{"speaker":"Nick Lincoln","startTime":5817.0599999999995,"endTime":5818.64,"body":"Sir, Sam. Sam,"},{"speaker":"Nick Lincoln","startTime":5817.0599999999995,"endTime":5818.64,"body":"Sam, I'll tell you how many"},{"speaker":"Nick Lincoln","startTime":5818.64,"endTime":5824.04,"body":"hours I work when Penny's not in"},{"speaker":"Nick Lincoln","startTime":5818.64,"endTime":5824.04,"body":"the room. I have a lifestyle"},{"speaker":"Nick Lincoln","startTime":5824.04,"endTime":5826.5,"body":"financial planning business. I"},{"speaker":"Nick Lincoln","startTime":5824.04,"endTime":5826.5,"body":"mean, if you ask me seriously,"},{"speaker":"Nick Lincoln","startTime":5826.5,"endTime":5829.98,"body":"how many hours client facing"},{"speaker":"Nick Lincoln","startTime":5826.5,"endTime":5829.98,"body":"work I do a week, probably eight"},{"speaker":"Nick Lincoln","startTime":5829.98,"endTime":5835.5,"body":"hours. Client face. No serious"},{"speaker":"Nick Lincoln","startTime":5829.98,"endTime":5835.5,"body":"client face. That's a busy week."},{"speaker":"Nick Lincoln","startTime":5835.5,"endTime":5837.86,"body":"There's prep work and there's"},{"speaker":"Nick Lincoln","startTime":5835.5,"endTime":5837.86,"body":"other stuff as well, but you"},{"speaker":"Nick Lincoln","startTime":5837.86,"endTime":5841.0999999999995,"body":"never switch off. As a business"},{"speaker":"Nick Lincoln","startTime":5837.86,"endTime":5841.0999999999995,"body":"owner, I've got 80 odd client"},{"speaker":"Nick Lincoln","startTime":5841.0999999999995,"endTime":5843.98,"body":"families, annual planning"},{"speaker":"Nick Lincoln","startTime":5841.0999999999995,"endTime":5843.98,"body":"meetings. They come in batches,"},{"speaker":"Nick Lincoln","startTime":5844.4,"endTime":5848.48,"body":"two a week, three a week. In the"},{"speaker":"Nick Lincoln","startTime":5844.4,"endTime":5848.48,"body":"busy period, holidays are off"},{"speaker":"Nick Lincoln","startTime":5848.48,"endTime":5850.7,"body":"because I'm married to a lovely,"},{"speaker":"Nick Lincoln","startTime":5848.48,"endTime":5850.7,"body":"lovely lady who's a head"},{"speaker":"Nick Lincoln","startTime":5850.7,"endTime":5852.98,"body":"teacher, so I don't work in the"},{"speaker":"Nick Lincoln","startTime":5850.7,"endTime":5852.98,"body":"holiday. I embrace lifestyle,"},{"speaker":"Nick Lincoln","startTime":5852.98,"endTime":5856.24,"body":"financial planning, and I talk"},{"speaker":"Nick Lincoln","startTime":5852.98,"endTime":5856.24,"body":"about to my clients. So you"},{"speaker":"Nick Lincoln","startTime":5856.24,"endTime":5859.24,"body":"people sensing again, companies,"},{"speaker":"Nick Lincoln","startTime":5856.24,"endTime":5859.24,"body":"this human thing and AI and why"},{"speaker":"Nick Lincoln","startTime":5859.24,"endTime":5862.18,"body":"humans are important. People can"},{"speaker":"Nick Lincoln","startTime":5859.24,"endTime":5862.18,"body":"sense if there's incongruence in"},{"speaker":"Nick Lincoln","startTime":5862.18,"endTime":5864.58,"body":"your statements and how you"},{"speaker":"Nick Lincoln","startTime":5862.18,"endTime":5864.58,"body":"actually act in your life. If"},{"speaker":"Nick Lincoln","startTime":5864.58,"endTime":5866.98,"body":"you say you're a lifestyle"},{"speaker":"Nick Lincoln","startTime":5864.58,"endTime":5866.98,"body":"financial planner, and you"},{"speaker":"Nick Lincoln","startTime":5866.98,"endTime":5869.44,"body":"really may need your class at"},{"speaker":"Nick Lincoln","startTime":5866.98,"endTime":5869.44,"body":"3am in the morning about the"},{"speaker":"Nick Lincoln","startTime":5869.44,"endTime":5874.5999999999995,"body":"Japanese market having a yen"},{"speaker":"Nick Lincoln","startTime":5869.44,"endTime":5874.5999999999995,"body":"rebound, currency drop story. So"},{"speaker":"Nick Lincoln","startTime":5874.5999999999995,"endTime":5877.5,"body":"I am totally sorry. Anyway."},{"speaker":"Nick Lincoln","startTime":5874.5999999999995,"endTime":5877.5,"body":"Okay. I mean, I'm just chipping"},{"speaker":"Nick Lincoln","startTime":5877.5,"endTime":5880.08,"body":"very briefly. I'm similar to"},{"speaker":"Nick Lincoln","startTime":5877.5,"endTime":5880.08,"body":"Nick, you know, I'm my own"},{"speaker":"Nick Lincoln","startTime":5880.08,"endTime":5882.36,"body":"financial planner, which"},{"speaker":"Nick Lincoln","startTime":5880.08,"endTime":5882.36,"body":"obviously would be pushed back"},{"speaker":"Nick Lincoln","startTime":5882.36,"endTime":5885.5999999999995,"body":"against. My financial plan is"},{"speaker":"Nick Lincoln","startTime":5882.36,"endTime":5885.5999999999995,"body":"very abstract. Lots of random"},{"speaker":"Nick Lincoln","startTime":5885.5999999999995,"endTime":5888.12,"body":"stuff happened over over the"},{"speaker":"Nick Lincoln","startTime":5885.5999999999995,"endTime":5888.12,"body":"years, but I'm similar to Nick,"},{"speaker":"Nick Lincoln","startTime":5888.12,"endTime":5891.24,"body":"same platform, same portfolio. I"},{"speaker":"Nick Lincoln","startTime":5888.12,"endTime":5891.24,"body":"tell that. I tell myself the"},{"speaker":"Nick Lincoln","startTime":5891.24,"endTime":5893.7,"body":"exact same thing. I tell my"},{"speaker":"Nick Lincoln","startTime":5891.24,"endTime":5893.7,"body":"clients, obviously you could"},{"speaker":"Nick Lincoln","startTime":5893.7,"endTime":5896.34,"body":"push back and say you need to"},{"speaker":"Nick Lincoln","startTime":5893.7,"endTime":5896.34,"body":"have an independent person, but"},{"speaker":"Nick Lincoln","startTime":5896.34,"endTime":5899.96,"body":"yeah, I'm also quite like Nick"},{"speaker":"Nick Lincoln","startTime":5896.34,"endTime":5899.96,"body":"in a focused I believe we call"},{"speaker":"Nick Lincoln","startTime":5899.96,"endTime":5901.22,"body":"it over to these,"},{"speaker":"Unknown","startTime":5901.64,"endTime":5905.78,"body":"I'm going to respond to"},{"speaker":"Unknown","startTime":5901.64,"endTime":5905.78,"body":"that this make this might make"},{"speaker":"Unknown","startTime":5905.78,"endTime":5912.38,"body":"you smart, so I hire a financial"},{"speaker":"Unknown","startTime":5905.78,"endTime":5912.38,"body":"planner, but it's him and and"},{"speaker":"Unknown","startTime":5912.38,"endTime":5915.14,"body":"this kind of alludes to Paul's"},{"speaker":"Unknown","startTime":5912.38,"endTime":5915.14,"body":"question earlier on, because not"},{"speaker":"Unknown","startTime":5915.14,"endTime":5915.32,"body":"yet"},{"speaker":"Nick Lincoln","startTime":5915.32,"endTime":5918.62,"body":"an update for a"},{"speaker":"Nick Lincoln","startTime":5915.32,"endTime":5918.62,"body":"while, We had up, we had our big"},{"speaker":"Nick Lincoln","startTime":5918.68,"endTime":5920.08,"body":"it'll be a happy. We"},{"speaker":"Unknown","startTime":5921.22,"endTime":5926.0199999999995,"body":"had our we had our big"},{"speaker":"Unknown","startTime":5921.22,"endTime":5926.0199999999995,"body":"refund, annual planning meeting,"},{"speaker":"Unknown","startTime":5926.68,"endTime":5929.98,"body":"everything about what we did"},{"speaker":"Unknown","startTime":5926.68,"endTime":5929.98,"body":"afterward, for a few beers"},{"speaker":"Unknown","startTime":5929.98,"endTime":5933.76,"body":"afterwards, but, but we met, and"},{"speaker":"Unknown","startTime":5929.98,"endTime":5933.76,"body":"this, this was the point,"},{"speaker":"Unknown","startTime":5933.76,"endTime":5937.5,"body":"seriously, maybe you can imagine"},{"speaker":"Unknown","startTime":5933.76,"endTime":5937.5,"body":"him and I was kind of bearing my"},{"speaker":"Unknown","startTime":5937.5,"endTime":5940.2,"body":"soul and as all my personal"},{"speaker":"Unknown","startTime":5937.5,"endTime":5940.2,"body":"finances, never been because,"},{"speaker":"Unknown","startTime":5940.2,"endTime":5944.04,"body":"you know, I wanted to, I wanted"},{"speaker":"Unknown","startTime":5940.2,"endTime":5944.04,"body":"to show and I wanted to"},{"speaker":"Unknown","startTime":5944.04,"endTime":5947.0999999999995,"body":"identify, and because the whole"},{"speaker":"Unknown","startTime":5944.04,"endTime":5947.0999999999995,"body":"point is, we can do it"},{"speaker":"Unknown","startTime":5947.0999999999995,"endTime":5950.34,"body":"ourselves, but we can't hold our"},{"speaker":"Unknown","startTime":5947.0999999999995,"endTime":5950.34,"body":"own feet to the fire. Is the key"},{"speaker":"Unknown","startTime":5950.34,"endTime":5953.34,"body":"thing. And Jesus Christ is this"},{"speaker":"Unknown","startTime":5950.34,"endTime":5953.34,"body":"guy, hold your feet to the fire."},{"speaker":"Unknown","startTime":5953.34,"endTime":5957.5,"body":"He was just hardcore. You"},{"speaker":"Unknown","startTime":5953.34,"endTime":5957.5,"body":"remember that? Yeah, absolute"},{"speaker":"Unknown","startTime":5957.5,"endTime":5965.5999999999995,"body":"heart can win. You do what you"},{"speaker":"Unknown","startTime":5957.5,"endTime":5965.5999999999995,"body":"did. You spend how much so we"},{"speaker":"Unknown","startTime":5965.5999999999995,"endTime":5967.94,"body":"did an update. We didn't meet"},{"speaker":"Carl Widger","startTime":5969.86,"endTime":5971.3,"body":"again. He's much"},{"speaker":"Unknown","startTime":5974.12,"endTime":5980.5,"body":"more gentle. But"},{"speaker":"Unknown","startTime":5974.12,"endTime":5980.5,"body":"anyway, so so that I think that"},{"speaker":"Unknown","startTime":5980.5,"endTime":5982.78,"body":"that all makes sense. And I"},{"speaker":"Unknown","startTime":5980.5,"endTime":5982.78,"body":"think this is the point. This is"},{"speaker":"Unknown","startTime":5982.78,"endTime":5985.3,"body":"what we do. We hold our clients"},{"speaker":"Unknown","startTime":5982.78,"endTime":5985.3,"body":"accountable to their own dreams"},{"speaker":"Unknown","startTime":5985.3,"endTime":5986.98,"body":"and ambitions. Mr. Cleveland,"},{"speaker":"Unknown","startTime":5985.3,"endTime":5986.98,"body":"you have"},{"speaker":"Unknown","startTime":5995.26,"endTime":5997.68,"body":"your own financial planner."},{"speaker":"Unknown","startTime":5995.26,"endTime":5997.68,"body":"What's it called? Yeah, I was"},{"speaker":"Unknown","startTime":5997.68,"endTime":5999.48,"body":"gonna ask him, and I did it to"},{"speaker":"Unknown","startTime":5997.68,"endTime":5999.48,"body":"him."},{"speaker":"Carl Widger","startTime":6005.42,"endTime":6007.82,"body":"Actually, I take"},{"speaker":"Carl Widger","startTime":6005.42,"endTime":6007.82,"body":"could be waiting, that's just a"},{"speaker":"Carl Widger","startTime":6007.82,"endTime":6014.66,"body":"guess. Sorry, sorry, can I just"},{"speaker":"Carl Widger","startTime":6007.82,"endTime":6014.66,"body":"ask Sam? I think Am I right in"},{"speaker":"Carl Widger","startTime":6014.66,"endTime":6016.84,"body":"the question is more around,"},{"speaker":"Carl Widger","startTime":6014.66,"endTime":6016.84,"body":"like"},{"speaker":"Unknown","startTime":6017.14,"endTime":6018.46,"body":"the lifestyle,"},{"speaker":"Unknown","startTime":6020.62,"endTime":6025.0,"body":"it's such a care about the"},{"speaker":"Unknown","startTime":6020.62,"endTime":6025.0,"body":"financial Yeah, cash flow, I get"},{"speaker":"Unknown","startTime":6025.0599999999995,"endTime":6027.46,"body":"you're gonna do that. It's more"},{"speaker":"Unknown","startTime":6025.0599999999995,"endTime":6027.46,"body":"like, what are you doing with"},{"speaker":"Unknown","startTime":6027.46,"endTime":6030.22,"body":"your lives to get that"},{"speaker":"Unknown","startTime":6027.46,"endTime":6030.22,"body":"fulfillment?"},{"speaker":"Carl Widger","startTime":6030.34,"endTime":6032.14,"body":"And it's a really"},{"speaker":"Carl Widger","startTime":6030.34,"endTime":6032.14,"body":"great question, because"},{"speaker":"Carl Widger","startTime":6032.38,"endTime":6035.86,"body":"sometimes when you ask people"},{"speaker":"Carl Widger","startTime":6032.38,"endTime":6035.86,"body":"who come in to do a financial"},{"speaker":"Carl Widger","startTime":6035.86,"endTime":6038.5199999999995,"body":"plan, they think they're coming"},{"speaker":"Carl Widger","startTime":6035.86,"endTime":6038.5199999999995,"body":"in to talk about their pensions"},{"speaker":"Carl Widger","startTime":6038.5199999999995,"endTime":6041.28,"body":"and investments, and can we put"},{"speaker":"Carl Widger","startTime":6038.5199999999995,"endTime":6041.28,"body":"the kids through college, or can"},{"speaker":"Carl Widger","startTime":6041.28,"endTime":6043.38,"body":"we buy a house to them or"},{"speaker":"Carl Widger","startTime":6041.28,"endTime":6043.38,"body":"whatever? And you're there"},{"speaker":"Carl Widger","startTime":6043.38,"endTime":6045.96,"body":"going, Yeah, but what are the"},{"speaker":"Carl Widger","startTime":6043.38,"endTime":6045.96,"body":"real what are the real goals?"},{"speaker":"Carl Widger","startTime":6046.8,"endTime":6050.04,"body":"And you're like, but, but if"},{"speaker":"Carl Widger","startTime":6046.8,"endTime":6050.04,"body":"money was no object, like, what"},{"speaker":"Carl Widger","startTime":6050.04,"endTime":6052.26,"body":"would you do? And and you're"},{"speaker":"Carl Widger","startTime":6050.04,"endTime":6052.26,"body":"trying to push them along,"},{"speaker":"Carl Widger","startTime":6052.26,"endTime":6055.0199999999995,"body":"right? And I felt like a little"},{"speaker":"Carl Widger","startTime":6052.26,"endTime":6055.0199999999995,"body":"bit of a fraud, because I was"},{"speaker":"Carl Widger","startTime":6055.0199999999995,"endTime":6057.44,"body":"like, I don't know myself. And"},{"speaker":"Carl Widger","startTime":6055.0199999999995,"endTime":6057.44,"body":"there's, there's, there's,"},{"speaker":"Carl Widger","startTime":6057.5599999999995,"endTime":6060.5,"body":"there's context around that. But"},{"speaker":"Carl Widger","startTime":6057.5599999999995,"endTime":6060.5,"body":"I would say it's a great"},{"speaker":"Carl Widger","startTime":6060.5,"endTime":6063.62,"body":"question, and it's something"},{"speaker":"Carl Widger","startTime":6060.5,"endTime":6063.62,"body":"that I'm trying to figure out"},{"speaker":"Carl Widger","startTime":6063.62,"endTime":6066.74,"body":"for all the reasons I alluded to"},{"speaker":"Carl Widger","startTime":6063.62,"endTime":6066.74,"body":"earlier on. So I think it's a"},{"speaker":"Carl Widger","startTime":6067.22,"endTime":6067.64,"body":"really good"},{"speaker":"Unknown","startTime":6067.7,"endTime":6071.66,"body":"question. Took me to"},{"speaker":"Unknown","startTime":6067.7,"endTime":6071.66,"body":"answer that in it's a bit like"},{"speaker":"Unknown","startTime":6071.66,"endTime":6073.94,"body":"when Nick says, begin, begin,"},{"speaker":"Unknown","startTime":6071.66,"endTime":6073.94,"body":"with the end in mind. So you"},{"speaker":"Unknown","startTime":6073.94,"endTime":6078.4,"body":"know, I've been in business for"},{"speaker":"Unknown","startTime":6073.94,"endTime":6078.4,"body":"21 years. This year, and to"},{"speaker":"Unknown","startTime":6078.4,"endTime":6081.22,"body":"quote my friend Mr. Stevenson,"},{"speaker":"Unknown","startTime":6078.4,"endTime":6081.22,"body":"I'm off the tools. I haven't"},{"speaker":"Unknown","startTime":6081.22,"endTime":6085.48,"body":"been advising clients like being"},{"speaker":"Unknown","startTime":6081.22,"endTime":6085.48,"body":"a regulated advisor for quite a"},{"speaker":"Unknown","startTime":6085.48,"endTime":6089.68,"body":"few years now. So my role, and"},{"speaker":"Unknown","startTime":6085.48,"endTime":6089.68,"body":"intentionally, I think, as you"},{"speaker":"Unknown","startTime":6089.68,"endTime":6092.14,"body":"grow a company, and we, you and"},{"speaker":"Unknown","startTime":6089.68,"endTime":6092.14,"body":"I are talking about this now,"},{"speaker":"Unknown","startTime":6092.14,"endTime":6095.32,"body":"Carl, aren't we, as you kind of"},{"speaker":"Unknown","startTime":6092.14,"endTime":6095.32,"body":"grow a business, you've either"},{"speaker":"Unknown","startTime":6095.32,"endTime":6097.98,"body":"got to be deep in the weeds and"},{"speaker":"Unknown","startTime":6095.32,"endTime":6097.98,"body":"doing client work, or you've got"},{"speaker":"Unknown","startTime":6097.98,"endTime":6100.68,"body":"to hire someone to run a"},{"speaker":"Unknown","startTime":6097.98,"endTime":6100.68,"body":"business. Need an MD or a CEO or"},{"speaker":"Unknown","startTime":6100.68,"endTime":6104.16,"body":"something. And so I personally"},{"speaker":"Unknown","startTime":6100.68,"endTime":6104.16,"body":"took that the latter role to be"},{"speaker":"Unknown","startTime":6104.16,"endTime":6107.58,"body":"much more sort of strategic and"},{"speaker":"Unknown","startTime":6104.16,"endTime":6107.58,"body":"less in the weeds dealing with"},{"speaker":"Unknown","startTime":6107.58,"endTime":6111.72,"body":"clients. So therefore I can kind"},{"speaker":"Unknown","startTime":6107.58,"endTime":6111.72,"body":"of shape my my lifestyle so and"},{"speaker":"Unknown","startTime":6111.72,"endTime":6113.94,"body":"I think it's really important."},{"speaker":"Unknown","startTime":6111.72,"endTime":6113.94,"body":"And every year, I mean, I'm"},{"speaker":"Unknown","startTime":6113.94,"endTime":6116.84,"body":"we're in my family, we're pretty"},{"speaker":"Unknown","startTime":6113.94,"endTime":6116.84,"body":"dull. We got the same places"},{"speaker":"Unknown","startTime":6116.84,"endTime":6119.78,"body":"every year, but every January,"},{"speaker":"Unknown","startTime":6116.84,"endTime":6119.78,"body":"my holidays are booked in the,"},{"speaker":"Unknown","startTime":6119.78,"endTime":6123.5,"body":"you know, year ahead, my various"},{"speaker":"Unknown","startTime":6119.78,"endTime":6123.5,"body":"trips and things like that. And"},{"speaker":"Unknown","startTime":6123.8,"endTime":6126.32,"body":"so I've kind of got to a stage,"},{"speaker":"Unknown","startTime":6123.8,"endTime":6126.32,"body":"but I've been at it a long time."},{"speaker":"Unknown","startTime":6126.44,"endTime":6129.38,"body":"I was, you know, early days. I,"},{"speaker":"Unknown","startTime":6126.44,"endTime":6129.38,"body":"you know, I didn't have the time"},{"speaker":"Unknown","startTime":6129.38,"endTime":6131.66,"body":"to do anything because you're"},{"speaker":"Unknown","startTime":6129.38,"endTime":6131.66,"body":"trying to build a business."},{"speaker":"Unknown","startTime":6131.66,"endTime":6134.3,"body":"You're trying to put all, you"},{"speaker":"Unknown","startTime":6131.66,"endTime":6134.3,"body":"know, you swap your time for for"},{"speaker":"Unknown","startTime":6134.3,"endTime":6137.14,"body":"money. But I'm now much more"},{"speaker":"Unknown","startTime":6134.3,"endTime":6137.14,"body":"thoughtful about it, and I"},{"speaker":"Unknown","startTime":6137.14,"endTime":6139.54,"body":"created a what I, you know, I'm"},{"speaker":"Unknown","startTime":6137.14,"endTime":6139.54,"body":"really enjoying it. It's like a"},{"speaker":"Unknown","startTime":6139.54,"endTime":6142.48,"body":"nice lifestyle for me, but it"},{"speaker":"Unknown","startTime":6139.54,"endTime":6142.48,"body":"takes, it takes years and years"},{"speaker":"Unknown","startTime":6142.48,"endTime":6142.72,"body":"to do"},{"speaker":"Nick Lincoln","startTime":6142.719,"endTime":6144.459,"body":"it, right? Okay?"},{"speaker":"Nick Lincoln","startTime":6142.719,"endTime":6144.459,"body":"Thank you. Thank you. It's a"},{"speaker":"Nick Lincoln","startTime":6144.459,"endTime":6147.519,"body":"great question. They all been"},{"speaker":"Nick Lincoln","startTime":6144.459,"endTime":6147.519,"body":"great questions. That is it. I"},{"speaker":"Nick Lincoln","startTime":6147.519,"endTime":6150.159,"body":"think because we are respective"},{"speaker":"Nick Lincoln","startTime":6147.519,"endTime":6150.159,"body":"of the I'm sorry, we're"},{"speaker":"Nick Lincoln","startTime":6150.399,"endTime":6153.8189999999995,"body":"respectful of the time of the"},{"speaker":"Nick Lincoln","startTime":6150.399,"endTime":6153.8189999999995,"body":"Royal College of Physicians, I"},{"speaker":"Nick Lincoln","startTime":6153.8189999999995,"endTime":6156.579,"body":"want to say thank you to the"},{"speaker":"Nick Lincoln","startTime":6153.8189999999995,"endTime":6156.579,"body":"Trappists. I'm going to miss"},{"speaker":"Nick Lincoln","startTime":6156.579,"endTime":6159.179,"body":"some people out here. I want to"},{"speaker":"Nick Lincoln","startTime":6156.579,"endTime":6159.179,"body":"thank Amelia, our amazing our"},{"speaker":"Nick Lincoln","startTime":6159.179,"endTime":6159.7789999999995,"body":"amazing MC,"},{"speaker":"Nick Lincoln","startTime":6166.5,"endTime":6169.62,"body":"Samantha Russell, who gave a"},{"speaker":"Nick Lincoln","startTime":6166.5,"endTime":6169.62,"body":"fantastic presentation earlier"},{"speaker":"Nick Lincoln","startTime":6169.62,"endTime":6169.8,"body":"on."},{"speaker":"Nick Lincoln","startTime":6175.86,"endTime":6178.4,"body":"I want to thank the AV team"},{"speaker":"Nick Lincoln","startTime":6175.86,"endTime":6178.4,"body":"here, who are great, who thought"},{"speaker":"Nick Lincoln","startTime":6178.46,"endTime":6181.16,"body":"it was a good idea to put a"},{"speaker":"Nick Lincoln","startTime":6178.46,"endTime":6181.16,"body":"glass table with glasses on and"},{"speaker":"Nick Lincoln","startTime":6181.16,"endTime":6187.88,"body":"glass jugs he's shooting. But"},{"speaker":"Nick Lincoln","startTime":6181.16,"endTime":6187.88,"body":"thank you for you and I, and I"},{"speaker":"Nick Lincoln","startTime":6187.88,"endTime":6190.58,"body":"want to thank you guys. You've"},{"speaker":"Nick Lincoln","startTime":6187.88,"endTime":6190.58,"body":"seen four guys suck themselves"},{"speaker":"Nick Lincoln","startTime":6190.58,"endTime":6195.68,"body":"up on stage. We'll see you next"},{"speaker":"Nick Lincoln","startTime":6190.58,"endTime":6195.68,"body":"year. Thank you trappers. Love"},{"speaker":"Nick Lincoln","startTime":6195.68,"endTime":6196.22,"body":"you. Loads. You"}]}