{"version":"1.0.0","segments":[{"speaker":"Unknown","startTime":11.76,"endTime":16.5,"body":"Now Welcome to The Real"},{"speaker":"Unknown","startTime":11.76,"endTime":16.5,"body":"advisor podcast, T, R, A, P, T,"},{"speaker":"Unknown","startTime":17.22,"endTime":20.48,"body":"please follow us and join in the"},{"speaker":"Unknown","startTime":17.22,"endTime":20.48,"body":"conversation on Twitter at"},{"speaker":"Unknown","startTime":20.48,"endTime":24.2,"body":"advisor podcast, where you can"},{"speaker":"Unknown","startTime":20.48,"endTime":24.2,"body":"suggest ideas and themes you'd"},{"speaker":"Unknown","startTime":24.2,"endTime":27.68,"body":"like the trap team to discuss."},{"speaker":"Unknown","startTime":24.2,"endTime":27.68,"body":"Also remember to like and"},{"speaker":"Unknown","startTime":27.68,"endTime":31.34,"body":"subscribe to our YouTube channel"},{"speaker":"Unknown","startTime":27.68,"endTime":31.34,"body":"and leave a six out of five star"},{"speaker":"Unknown","startTime":31.34,"endTime":35.3,"body":"review on iTunes. Doing all this"},{"speaker":"Unknown","startTime":31.34,"endTime":35.3,"body":"really, really helps us, which"},{"speaker":"Unknown","startTime":35.3,"endTime":38.66,"body":"means we can do more to help"},{"speaker":"Unknown","startTime":35.3,"endTime":38.66,"body":"you. Now, let's head over to the"},{"speaker":"Unknown","startTime":38.72,"endTime":41.08,"body":"studio for the latest pile of"},{"speaker":"Unknown","startTime":38.72,"endTime":41.08,"body":"trap. Yes,"},{"speaker":"Nick Lincoln","startTime":45.4,"endTime":47.14,"body":"indeed, dear"},{"speaker":"Nick Lincoln","startTime":45.4,"endTime":47.14,"body":"trappers, welcome back to what"},{"speaker":"Nick Lincoln","startTime":47.14,"endTime":50.86,"body":"many people are calling episode"},{"speaker":"Nick Lincoln","startTime":47.14,"endTime":50.86,"body":"75 of the real advisor podcast,"},{"speaker":"Nick Lincoln","startTime":50.86,"endTime":54.94,"body":"T, R, E, B, trap. My name is"},{"speaker":"Nick Lincoln","startTime":50.86,"endTime":54.94,"body":"Nick Lincoln, and joining me as"},{"speaker":"Nick Lincoln","startTime":54.94,"endTime":58.24,"body":"ever in the studio of doom, are"},{"speaker":"Nick Lincoln","startTime":54.94,"endTime":58.24,"body":"the three other Horsemen of the"},{"speaker":"Nick Lincoln","startTime":58.3,"endTime":60.7,"body":"Apocalypse. I had to think,"},{"speaker":"Nick Lincoln","startTime":58.3,"endTime":60.7,"body":"then, is it three or four? I"},{"speaker":"Nick Lincoln","startTime":60.7,"endTime":63.72,"body":"couldn't do my maths. Alan,"},{"speaker":"Nick Lincoln","startTime":60.7,"endTime":63.72,"body":"let's go. Four. I couldn't do my"},{"speaker":"Nick Lincoln","startTime":63.72,"endTime":68.46,"body":"maths. And the ultra heart and"},{"speaker":"Nick Lincoln","startTime":63.72,"endTime":68.46,"body":"Carl della voci, the voice wiger"},{"speaker":"Nick Lincoln","startTime":68.82,"endTime":72.84,"body":"is back, gentlemen, we have a"},{"speaker":"Nick Lincoln","startTime":68.82,"endTime":72.84,"body":"show packed full of app,"},{"speaker":"Nick Lincoln","startTime":74.76,"endTime":77.88,"body":"absolutely nothing. So let's"},{"speaker":"Nick Lincoln","startTime":74.76,"endTime":77.88,"body":"start unpacking it straight away"},{"speaker":"Nick Lincoln","startTime":77.94,"endTime":81.08,"body":"with a high energy review read"},{"speaker":"Nick Lincoln","startTime":77.94,"endTime":81.08,"body":"from my good friend, the right"},{"speaker":"Nick Lincoln","startTime":81.08,"endTime":83.3,"body":"honorable Mr. Andrew Usain Hart,"},{"speaker":"Nick Lincoln","startTime":81.08,"endTime":83.3,"body":"the"},{"speaker":"Andy Hart","startTime":83.839,"endTime":85.699,"body":"good news is we've"},{"speaker":"Andy Hart","startTime":83.839,"endTime":85.699,"body":"had a couple of new reviews"},{"speaker":"Andy Hart","startTime":85.699,"endTime":88.219,"body":"here, but please do keep them"},{"speaker":"Andy Hart","startTime":85.699,"endTime":88.219,"body":"covered. We're running out soon."},{"speaker":"Andy Hart","startTime":88.399,"endTime":91.699,"body":"This is entitled, A must listen."},{"speaker":"Andy Hart","startTime":88.399,"endTime":91.699,"body":"Five stars. Five stars. Again,"},{"speaker":"Andy Hart","startTime":91.699,"endTime":95.299,"body":"from Mark Bell. The review is"},{"speaker":"Andy Hart","startTime":91.699,"endTime":95.299,"body":"refreshing, honest and"},{"speaker":"Andy Hart","startTime":95.299,"endTime":99.139,"body":"entertaining. Every episode"},{"speaker":"Andy Hart","startTime":95.299,"endTime":99.139,"body":"leaves me smarter, slightly more"},{"speaker":"Andy Hart","startTime":99.139,"endTime":103.299,"body":"cynical, and weirdly craving a"},{"speaker":"Andy Hart","startTime":99.139,"endTime":103.299,"body":"pint. This is the only CPD I"},{"speaker":"Andy Hart","startTime":103.299,"endTime":106.059,"body":"actively Enjoy. Thank you."},{"speaker":"Andy Hart","startTime":103.299,"endTime":106.059,"body":"Horseman, just on that. Do you"},{"speaker":"Andy Hart","startTime":106.059,"endTime":109.479,"body":"think a lot of people actually"},{"speaker":"Andy Hart","startTime":106.059,"endTime":109.479,"body":"submit this as unstructured CPD?"},{"speaker":"Andy Hart","startTime":112.299,"endTime":115.719,"body":"Well, chuckle. You think? Yeah,"},{"speaker":"Andy Hart","startTime":112.299,"endTime":115.719,"body":"they just, they're throwing it"},{"speaker":"Andy Hart","startTime":115.719,"endTime":115.959,"body":"all in"},{"speaker":"Nick Lincoln","startTime":115.959,"endTime":117.639,"body":"one of the rag"},{"speaker":"Nick Lincoln","startTime":115.959,"endTime":117.639,"body":"stars, money marketing or"},{"speaker":"Nick Lincoln","startTime":117.639,"endTime":119.979,"body":"financial advice. They do a"},{"speaker":"Nick Lincoln","startTime":117.639,"endTime":119.979,"body":"podcast. They say, if you listen"},{"speaker":"Nick Lincoln","startTime":119.979,"endTime":122.939,"body":"to it, sounds it's CPD. We"},{"speaker":"Nick Lincoln","startTime":119.979,"endTime":122.939,"body":"haven't had it approved by Did"},{"speaker":"Nick Lincoln","startTime":122.939,"endTime":125.519,"body":"they say structured? Nick, I"},{"speaker":"Nick Lincoln","startTime":122.939,"endTime":125.519,"body":"can't remember. I don't know it."},{"speaker":"Nick Lincoln","startTime":125.519,"endTime":128.579,"body":"Doesn't know what the enemy's"},{"speaker":"Nick Lincoln","startTime":125.519,"endTime":128.579,"body":"doing, but I don't, um, I don't,"},{"speaker":"Alan Smith","startTime":128.58,"endTime":130.38,"body":"I don't know"},{"speaker":"Alan Smith","startTime":128.58,"endTime":130.38,"body":"structure, but, yeah, but why"},{"speaker":"Alan Smith","startTime":130.38,"endTime":134.28,"body":"not 90 minutes saying structure?"},{"speaker":"Alan Smith","startTime":130.38,"endTime":134.28,"body":"That's decent. Let's move on."},{"speaker":"Nick Lincoln","startTime":135.42,"endTime":137.52,"body":"God, listen to us"},{"speaker":"Nick Lincoln","startTime":135.42,"endTime":137.52,"body":"for a year. What's that? 25"},{"speaker":"Nick Lincoln","startTime":137.7,"endTime":138.9,"body":"episodes. That's your CPD"},{"speaker":"Andy Hart","startTime":139.44,"endTime":143.24,"body":"done. Hey?"},{"speaker":"Andy Hart","startTime":139.44,"endTime":143.24,"body":"Structured. Then we put it"},{"speaker":"Andy Hart","startTime":143.24,"endTime":145.7,"body":"behind the paywa. Now we're"},{"speaker":"Andy Hart","startTime":143.24,"endTime":145.7,"body":"talking. That's"},{"speaker":"Nick Lincoln","startTime":145.7,"endTime":147.8,"body":"a great review."},{"speaker":"Nick Lincoln","startTime":145.7,"endTime":147.8,"body":"Mark Bell, thank Mark. Mark with"},{"speaker":"Nick Lincoln","startTime":147.8,"endTime":150.38,"body":"a C, my heart goes out to you."},{"speaker":"Nick Lincoln","startTime":147.8,"endTime":150.38,"body":"Yeah, great review. Love it."},{"speaker":"Nick Lincoln","startTime":150.38,"endTime":153.86,"body":"Love it. Love it. Okay, let's"},{"speaker":"Nick Lincoln","startTime":150.38,"endTime":153.86,"body":"put a, let's put a topical times"},{"speaker":"Nick Lincoln","startTime":154.04,"endTime":158.06,"body":"timestamp, even on the topical"},{"speaker":"Nick Lincoln","startTime":154.04,"endTime":158.06,"body":"tidbits for episode, 7575 three"},{"speaker":"Nick Lincoln","startTime":158.06,"endTime":162.04,"body":"bloody years of my life. Oh,"},{"speaker":"Nick Lincoln","startTime":158.06,"endTime":162.04,"body":"where did that all go wrong? And"},{"speaker":"Nick Lincoln","startTime":162.04,"endTime":164.32,"body":"it's me starting off with"},{"speaker":"Nick Lincoln","startTime":162.04,"endTime":164.32,"body":"topical tidbits. So this is,"},{"speaker":"Nick Lincoln","startTime":164.32,"endTime":166.96,"body":"this is an interesting little,"},{"speaker":"Nick Lincoln","startTime":164.32,"endTime":166.96,"body":"little angle here. So pre the"},{"speaker":"Nick Lincoln","startTime":166.96,"endTime":169.42,"body":"Wuhan lab leak, you know,"},{"speaker":"Nick Lincoln","startTime":166.96,"endTime":169.42,"body":"letters of authority were a"},{"speaker":"Nick Lincoln","startTime":169.42,"endTime":171.94,"body":"complete pain in the you know"},{"speaker":"Nick Lincoln","startTime":169.42,"endTime":171.94,"body":"what? I know they apparently"},{"speaker":"Nick Lincoln","startTime":171.94,"endTime":174.4,"body":"still are, because certain"},{"speaker":"Nick Lincoln","startTime":171.94,"endTime":174.4,"body":"knacks can't stop going on about"},{"speaker":"Nick Lincoln","startTime":174.4,"endTime":178.24,"body":"them. But with DocuSign, it's a"},{"speaker":"Nick Lincoln","startTime":174.4,"endTime":178.24,"body":"way, way better than it used to"},{"speaker":"Nick Lincoln","startTime":178.24,"endTime":180.54,"body":"be. And I know there are, I"},{"speaker":"Nick Lincoln","startTime":178.24,"endTime":180.54,"body":"think, still, some outlier"},{"speaker":"Nick Lincoln","startTime":180.54,"endTime":184.62,"body":"providers that need wet"},{"speaker":"Nick Lincoln","startTime":180.54,"endTime":184.62,"body":"signatures on a bit of paper for"},{"speaker":"Nick Lincoln","startTime":184.68,"endTime":187.02,"body":"the letter of authority, but"},{"speaker":"Nick Lincoln","startTime":184.68,"endTime":187.02,"body":"most of them now are Docusign."},{"speaker":"Nick Lincoln","startTime":187.2,"endTime":190.02,"body":"Well, fidelity, to its credit,"},{"speaker":"Nick Lincoln","startTime":187.2,"endTime":190.02,"body":"seems to go on one stage further"},{"speaker":"Nick Lincoln","startTime":190.32,"endTime":194.16,"body":"as an advisor. Now you can, you"},{"speaker":"Nick Lincoln","startTime":190.32,"endTime":194.16,"body":"can go onto their platform, not"},{"speaker":"Nick Lincoln","startTime":194.16,"endTime":196.74,"body":"the client. You can go onto"},{"speaker":"Nick Lincoln","startTime":194.16,"endTime":196.74,"body":"their platform, you put in the"},{"speaker":"Nick Lincoln","startTime":196.74,"endTime":199.74,"body":"client's name, the client's date"},{"speaker":"Nick Lincoln","startTime":196.74,"endTime":199.74,"body":"of birth, and their policy"},{"speaker":"Nick Lincoln","startTime":199.74,"endTime":203.54,"body":"numbers, and then Fidel, she"},{"speaker":"Nick Lincoln","startTime":199.74,"endTime":203.54,"body":"brings up a tick box saying,"},{"speaker":"Nick Lincoln","startTime":203.6,"endTime":205.94,"body":"Please confirm you have the"},{"speaker":"Nick Lincoln","startTime":203.6,"endTime":205.94,"body":"authority from the client on"},{"speaker":"Nick Lincoln","startTime":205.94,"endTime":209.0,"body":"file for us to release this"},{"speaker":"Nick Lincoln","startTime":205.94,"endTime":209.0,"body":"information. And Bob's your"},{"speaker":"Nick Lincoln","startTime":209.0,"endTime":212.48,"body":"uncle, you do it, and then you"},{"speaker":"Nick Lincoln","startTime":209.0,"endTime":212.48,"body":"can just immediately download a"},{"speaker":"Nick Lincoln","startTime":212.48,"endTime":220.78,"body":"client. Wow. It's like, That is"},{"speaker":"Nick Lincoln","startTime":212.48,"endTime":220.78,"body":"insane. That is insane. Because"},{"speaker":"Nick Lincoln","startTime":220.78,"endTime":227.44,"body":"I I think it's brilliant from I"},{"speaker":"Nick Lincoln","startTime":220.78,"endTime":227.44,"body":"think it's brilliant. And policy"},{"speaker":"Nick Lincoln","startTime":227.44,"endTime":229.9,"body":"numbers, well, you wouldn't"},{"speaker":"Nick Lincoln","startTime":227.44,"endTime":229.9,"body":"need, I mean, in the olden days,"},{"speaker":"Nick Lincoln","startTime":229.9,"endTime":232.84,"body":"people don't get printed paper"},{"speaker":"Nick Lincoln","startTime":229.9,"endTime":232.84,"body":"valuation so much anymore. But"},{"speaker":"Nick Lincoln","startTime":232.84,"endTime":235.72,"body":"just imagine Mrs. Miggins leaves"},{"speaker":"Nick Lincoln","startTime":232.84,"endTime":235.72,"body":"her fidelity statement on the"},{"speaker":"Nick Lincoln","startTime":235.72,"endTime":238.54,"body":"train. You've got all you've got"},{"speaker":"Nick Lincoln","startTime":235.72,"endTime":238.54,"body":"everything there. You can then"},{"speaker":"Nick Lincoln","startTime":238.54,"endTime":240.66,"body":"now log in to her. You've got"},{"speaker":"Nick Lincoln","startTime":238.54,"endTime":240.66,"body":"her date of birth. You've got"},{"speaker":"Nick Lincoln","startTime":240.66,"endTime":243.42,"body":"her name, you've got a policy"},{"speaker":"Nick Lincoln","startTime":240.66,"endTime":243.42,"body":"numbers. You can log into her"},{"speaker":"Nick Lincoln","startTime":243.66,"endTime":246.72,"body":"account find out all about it."},{"speaker":"Nick Lincoln","startTime":243.66,"endTime":246.72,"body":"So presumably,"},{"speaker":"Alan Smith","startTime":246.72,"endTime":252.12,"body":"though, that Nick,"},{"speaker":"Alan Smith","startTime":246.72,"endTime":252.12,"body":"you've got to Yeah, FSA number"},{"speaker":"Alan Smith","startTime":252.12,"endTime":252.66,"body":"and advisor,"},{"speaker":"Nick Lincoln","startTime":253.56,"endTime":255.96,"body":"if an advisor"},{"speaker":"Nick Lincoln","startTime":253.56,"endTime":255.96,"body":"finds it on Yeah, and Rogue"},{"speaker":"Nick Lincoln","startTime":255.96,"endTime":257.88,"body":"gives you do about it. Yeah,"},{"speaker":"Nick Lincoln","startTime":255.96,"endTime":257.88,"body":"there's a"},{"speaker":"Andy Hart","startTime":257.88,"endTime":260.04,"body":"system here. And I"},{"speaker":"Andy Hart","startTime":257.88,"endTime":260.04,"body":"got my hand up, sorry, Nick, I'm"},{"speaker":"Andy Hart","startTime":260.04,"endTime":262.52,"body":"assuming you need to be a"},{"speaker":"Andy Hart","startTime":260.04,"endTime":262.52,"body":"registered financial advisor"},{"speaker":"Andy Hart","startTime":262.58,"endTime":263.72,"body":"with fidelity, yes,"},{"speaker":"Nick Lincoln","startTime":263.78,"endTime":265.58,"body":"yes. You have to"},{"speaker":"Nick Lincoln","startTime":263.78,"endTime":265.58,"body":"log into their account. Yeah,"},{"speaker":"Nick Lincoln","startTime":265.58,"endTime":270.2,"body":"you're looking into your portal"},{"speaker":"Nick Lincoln","startTime":265.58,"endTime":270.2,"body":"with them. That's the barrier."},{"speaker":"Nick Lincoln","startTime":270.26,"endTime":273.14,"body":"And that's the barrier. Yeah,"},{"speaker":"Nick Lincoln","startTime":270.26,"endTime":273.14,"body":"I'm just saying it's, I mean, I"},{"speaker":"Nick Lincoln","startTime":273.14,"endTime":275.96,"body":"love that. This is the client"},{"speaker":"Nick Lincoln","startTime":273.14,"endTime":275.96,"body":"with a million pound pension"},{"speaker":"Nick Lincoln","startTime":275.96,"endTime":278.66,"body":"lady, the million pound pension"},{"speaker":"Nick Lincoln","startTime":275.96,"endTime":278.66,"body":"pot. And just, oh, okay, there's"},{"speaker":"Nick Lincoln","startTime":278.66,"endTime":280.82,"body":"all the information I need."},{"speaker":"Nick Lincoln","startTime":278.66,"endTime":280.82,"body":"She's got fixed protection,"},{"speaker":"Nick Lincoln","startTime":280.82,"endTime":282.94,"body":"blah, blah, blah. Blah, blah."},{"speaker":"Nick Lincoln","startTime":280.82,"endTime":282.94,"body":"She's taking some money out."},{"speaker":"Alan Smith","startTime":282.94,"endTime":285.16,"body":"She's got sorry, I"},{"speaker":"Alan Smith","startTime":282.94,"endTime":285.16,"body":"think that's a sensible thing to"},{"speaker":"Alan Smith","startTime":285.16,"endTime":288.52,"body":"do is entrusting regulated"},{"speaker":"Alan Smith","startTime":285.16,"endTime":288.52,"body":"advisors who adhere to a high"},{"speaker":"Alan Smith","startTime":288.52,"endTime":291.4,"body":"standard code of conduct, all"},{"speaker":"Alan Smith","startTime":288.52,"endTime":291.4,"body":"the rest of it as yet exactly to"},{"speaker":"Alan Smith","startTime":291.46,"endTime":293.86,"body":"be regulated, and saying, Look,"},{"speaker":"Alan Smith","startTime":291.46,"endTime":293.86,"body":"we're going to assume that you"},{"speaker":"Alan Smith","startTime":293.86,"endTime":297.1,"body":"are honest in accessing this"},{"speaker":"Alan Smith","startTime":293.86,"endTime":297.1,"body":"information. I guess they'll"},{"speaker":"Alan Smith","startTime":297.1,"endTime":300.54,"body":"find out if you're not, down the"},{"speaker":"Alan Smith","startTime":297.1,"endTime":300.54,"body":"line and. Carl"},{"speaker":"Carl Widger","startTime":301.68,"endTime":304.44,"body":"say, What about an"},{"speaker":"Carl Widger","startTime":301.68,"endTime":304.44,"body":"advisor who works for a firm and"},{"speaker":"Carl Widger","startTime":304.44,"endTime":309.36,"body":"then leaves to set up his or her"},{"speaker":"Carl Widger","startTime":304.44,"endTime":309.36,"body":"own business? It's this is"},{"speaker":"Carl Widger","startTime":309.42,"endTime":312.36,"body":"that's way too loosey goosey for"},{"speaker":"Carl Widger","startTime":309.42,"endTime":312.36,"body":"me. I'm sorry, yeah, but they"},{"speaker":"Nick Lincoln","startTime":313.38,"endTime":315.12,"body":"probably would"},{"speaker":"Nick Lincoln","startTime":313.38,"endTime":315.12,"body":"have downloaded the policy"},{"speaker":"Nick Lincoln","startTime":315.12,"endTime":317.46,"body":"information anyway before they"},{"speaker":"Nick Lincoln","startTime":315.12,"endTime":317.46,"body":"left. I mean, let's be honest,"},{"speaker":"Andy Hart","startTime":317.46,"endTime":318.84,"body":"they're not gonna"},{"speaker":"Andy Hart","startTime":317.46,"endTime":318.84,"body":"that's assuming. Nick,"},{"speaker":"Nick Lincoln","startTime":319.98,"endTime":320.84,"body":"come on. Okay."},{"speaker":"Carl Widger","startTime":323.9,"endTime":326.84,"body":"Just you need a"},{"speaker":"Carl Widger","startTime":323.9,"endTime":326.84,"body":"bigger hurdle for me to get"},{"speaker":"Carl Widger","startTime":326.84,"endTime":330.98,"body":"information, and I think a"},{"speaker":"Carl Widger","startTime":326.84,"endTime":330.98,"body":"signed a signed document from"},{"speaker":"Carl Widger","startTime":330.98,"endTime":334.16,"body":"the client, whether it's"},{"speaker":"Carl Widger","startTime":330.98,"endTime":334.16,"body":"DocuSign or a wet signature, I"},{"speaker":"Carl Widger","startTime":334.16,"endTime":337.94,"body":"think you need it. For me, you"},{"speaker":"Carl Widger","startTime":334.16,"endTime":337.94,"body":"just need"},{"speaker":"Alan Smith","startTime":338.06,"endTime":341.44,"body":"it. It's interesting"},{"speaker":"Alan Smith","startTime":338.06,"endTime":341.44,"body":"that the fidelity obviously, are"},{"speaker":"Alan Smith","startTime":341.44,"endTime":344.92,"body":"following the rules so that if"},{"speaker":"Alan Smith","startTime":341.44,"endTime":344.92,"body":"anyone else says insist you need"},{"speaker":"Alan Smith","startTime":344.92,"endTime":347.38,"body":"to have this a wet signature or"},{"speaker":"Alan Smith","startTime":344.92,"endTime":347.38,"body":"anything you can say to them,"},{"speaker":"Alan Smith","startTime":347.38,"endTime":351.16,"body":"Well, no, the regulations don't"},{"speaker":"Alan Smith","startTime":347.38,"endTime":351.16,"body":"insist on it. Clearly, if one of"},{"speaker":"Carl Widger","startTime":351.46,"endTime":353.56,"body":"the largest"},{"speaker":"Carl Widger","startTime":351.46,"endTime":353.56,"body":"fidelity just trying to make"},{"speaker":"Carl Widger","startTime":353.56,"endTime":357.64,"body":"skip and big, huge admin burden"},{"speaker":"Carl Widger","startTime":353.56,"endTime":357.64,"body":"on themselves, maybe"},{"speaker":"Andy Hart","startTime":357.7,"endTime":360.3,"body":"that's one of the"},{"speaker":"Andy Hart","startTime":357.7,"endTime":360.3,"body":"outcomes, yeah, remove some of"},{"speaker":"Andy Hart","startTime":360.3,"endTime":363.12,"body":"the friction. The two of the"},{"speaker":"Andy Hart","startTime":360.3,"endTime":363.12,"body":"providers that I know are"},{"speaker":"Andy Hart","startTime":363.12,"endTime":365.46,"body":"Vanguard and Hargreaves"},{"speaker":"Andy Hart","startTime":363.12,"endTime":365.46,"body":"Lansdown, I think they don't"},{"speaker":"Andy Hart","startTime":365.46,"endTime":368.16,"body":"even accept letters of authority"},{"speaker":"Andy Hart","startTime":365.46,"endTime":368.16,"body":"from advisors. They say, Look,"},{"speaker":"Andy Hart","startTime":368.16,"endTime":370.38,"body":"if you're dealing with the"},{"speaker":"Andy Hart","startTime":368.16,"endTime":370.38,"body":"client, tell the client to just"},{"speaker":"Andy Hart","startTime":370.38,"endTime":372.6,"body":"download the valuation"},{"speaker":"Andy Hart","startTime":370.38,"endTime":372.6,"body":"statement. That's all you need,"},{"speaker":"Andy Hart","startTime":372.66,"endTime":375.6,"body":"because they don't have any"},{"speaker":"Andy Hart","startTime":372.66,"endTime":375.6,"body":"legacy guarantee. This"},{"speaker":"Andy Hart","startTime":375.6,"endTime":378.6,"body":"guarantees, you know, all weird"},{"speaker":"Andy Hart","startTime":375.6,"endTime":378.6,"body":"and wacky, confusing things."},{"speaker":"Andy Hart","startTime":378.6,"endTime":382.58,"body":"Vanguard just, do, you know,"},{"speaker":"Andy Hart","startTime":378.6,"endTime":382.58,"body":"simple ISIS of pension, soda,"},{"speaker":"Andy Hart","startTime":382.58,"endTime":386.06,"body":"HL, which is also good. So"},{"speaker":"Andy Hart","startTime":382.58,"endTime":386.06,"body":"they've just cut that entire"},{"speaker":"Andy Hart","startTime":386.48,"endTime":389.3,"body":"department from their business"},{"speaker":"Andy Hart","startTime":386.48,"endTime":389.3,"body":"and said, Look at the client."},{"speaker":"Andy Hart","startTime":389.3,"endTime":392.66,"body":"Just tell them to tell them to"},{"speaker":"Andy Hart","startTime":389.3,"endTime":392.66,"body":"download the transactions, the"},{"speaker":"Andy Hart","startTime":392.66,"endTime":395.6,"body":"portfolio statement, the latest"},{"speaker":"Andy Hart","startTime":392.66,"endTime":395.6,"body":"valuation. That's good enough,"},{"speaker":"Andy Hart","startTime":395.84,"endTime":398.66,"body":"which I also think is decent."},{"speaker":"Andy Hart","startTime":395.84,"endTime":398.66,"body":"Yeah."},{"speaker":"Nick Lincoln","startTime":398.66,"endTime":401.32,"body":"Okay. Anyway, it's"},{"speaker":"Nick Lincoln","startTime":398.66,"endTime":401.32,"body":"a wrinkle. It's a definite ring"},{"speaker":"Nick Lincoln","startTime":401.32,"endTime":405.7,"body":"on I love it, but you've got to"},{"speaker":"Nick Lincoln","startTime":401.32,"endTime":405.7,"body":"be careful with it. Okay, ultra"},{"speaker":"Nick Lincoln","startTime":406.42,"endTime":407.08,"body":"oh my god,"},{"speaker":"Andy Hart","startTime":407.08,"endTime":409.9,"body":"this is, I mean, I'm"},{"speaker":"Andy Hart","startTime":407.08,"endTime":409.9,"body":"going to raise this topic, but"},{"speaker":"Andy Hart","startTime":410.44,"endTime":415.6,"body":"it's for all of us to chip in."},{"speaker":"Andy Hart","startTime":410.44,"endTime":415.6,"body":"This is the topic du jour. Is"},{"speaker":"Andy Hart","startTime":415.66,"endTime":419.86,"body":"the UK going to implement a"},{"speaker":"Andy Hart","startTime":415.66,"endTime":419.86,"body":"wealth tax? And I'm sure"},{"speaker":"Andy Hart","startTime":419.86,"endTime":424.32,"body":"Nicholas is far more experienced"},{"speaker":"Andy Hart","startTime":419.86,"endTime":424.32,"body":"in answering this question than"},{"speaker":"Andy Hart","startTime":424.32,"endTime":426.96,"body":"myself, but this is kicking"},{"speaker":"Andy Hart","startTime":424.32,"endTime":426.96,"body":"around at the moment, and"},{"speaker":"Andy Hart","startTime":426.96,"endTime":430.8,"body":"they're talking about, what"},{"speaker":"Andy Hart","startTime":426.96,"endTime":430.8,"body":"numbers does it kick in at that"},{"speaker":"Andy Hart","startTime":430.8,"endTime":434.82,"body":"they're sort of discussing"},{"speaker":"Andy Hart","startTime":430.8,"endTime":434.82,"body":"assets above 10 million. They"},{"speaker":"Andy Hart","startTime":434.82,"endTime":439.56,"body":"think it's going to catch about"},{"speaker":"Andy Hart","startTime":434.82,"endTime":439.56,"body":"20,000 people. Again, this is"},{"speaker":"Andy Hart","startTime":439.56,"endTime":442.4,"body":"based on the ridiculous"},{"speaker":"Andy Hart","startTime":439.56,"endTime":442.4,"body":"projections that they do based"},{"speaker":"Andy Hart","startTime":442.4,"endTime":444.74,"body":"on the current situation, not"},{"speaker":"Andy Hart","startTime":442.4,"endTime":444.74,"body":"when the, you know, the new"},{"speaker":"Andy Hart","startTime":444.74,"endTime":447.5,"body":"wealth tax is actually"},{"speaker":"Andy Hart","startTime":444.74,"endTime":447.5,"body":"implemented. You know, it's been"},{"speaker":"Andy Hart","startTime":447.5,"endTime":449.96,"body":"tried and tested in many"},{"speaker":"Andy Hart","startTime":447.5,"endTime":449.96,"body":"different countries, and I"},{"speaker":"Andy Hart","startTime":449.96,"endTime":453.08,"body":"think, generally not worked."},{"speaker":"Andy Hart","startTime":449.96,"endTime":453.08,"body":"It's a thing that, you know,"},{"speaker":"Andy Hart","startTime":453.08,"endTime":458.0,"body":"rears its ugly head every 510,"},{"speaker":"Andy Hart","startTime":453.08,"endTime":458.0,"body":"15 years in the UK. So, yes,"},{"speaker":"Andy Hart","startTime":458.06,"endTime":460.54,"body":"wealth tax, over to you, Alan,"},{"speaker":"Alan Smith","startTime":462.82,"endTime":466.84,"body":"it's impractical, I"},{"speaker":"Alan Smith","startTime":462.82,"endTime":466.84,"body":"think is a short answer, if"},{"speaker":"Alan Smith","startTime":466.84,"endTime":470.92,"body":"they're just talking about this"},{"speaker":"Alan Smith","startTime":466.84,"endTime":470.92,"body":"now, in order to get the"},{"speaker":"Alan Smith","startTime":471.28,"endTime":475.36,"body":"legislation in place, to do the"},{"speaker":"Alan Smith","startTime":471.28,"endTime":475.36,"body":"consultation, which I presume"},{"speaker":"Alan Smith","startTime":475.36,"endTime":478.12,"body":"they'll do, and not just bring"},{"speaker":"Alan Smith","startTime":475.36,"endTime":478.12,"body":"it in, the whole thing is going"},{"speaker":"Alan Smith","startTime":478.12,"endTime":481.26,"body":"to be, you know, two to three"},{"speaker":"Alan Smith","startTime":478.12,"endTime":481.26,"body":"years away before it's practical"},{"speaker":"Andy Hart","startTime":481.26,"endTime":482.88,"body":"that they can be"},{"speaker":"Andy Hart","startTime":481.26,"endTime":482.88,"body":"millions wasted."},{"speaker":"Alan Smith","startTime":484.8,"endTime":486.66,"body":"Watch point. Will be"},{"speaker":"Alan Smith","startTime":484.8,"endTime":486.66,"body":"on the verge of and we'll be in"},{"speaker":"Alan Smith","startTime":486.66,"endTime":489.48,"body":"the beginning of the next"},{"speaker":"Alan Smith","startTime":486.66,"endTime":489.48,"body":"election cycle. Whether that"},{"speaker":"Alan Smith","startTime":489.48,"endTime":494.04,"body":"becomes a rallying cry for that"},{"speaker":"Alan Smith","startTime":489.48,"endTime":494.04,"body":"election, I don't know. I I"},{"speaker":"Alan Smith","startTime":494.04,"endTime":498.42,"body":"think it's more just sort of"},{"speaker":"Alan Smith","startTime":494.04,"endTime":498.42,"body":"noise. There's no question about"},{"speaker":"Alan Smith","startTime":498.42,"endTime":502.52,"body":"it. There's a budget coming up"},{"speaker":"Alan Smith","startTime":498.42,"endTime":502.52,"body":"in the autumn, and we are just"},{"speaker":"Alan Smith","startTime":502.52,"endTime":509.12,"body":"in such a pickle financially in"},{"speaker":"Alan Smith","startTime":502.52,"endTime":509.12,"body":"this country, it certainly"},{"speaker":"Alan Smith","startTime":509.12,"endTime":511.46,"body":"appeals. I mean, did you see"},{"speaker":"Alan Smith","startTime":509.12,"endTime":511.46,"body":"there was a survey? Even this"},{"speaker":"Alan Smith","startTime":511.46,"endTime":515.12,"body":"just makes me smile as well. So"},{"speaker":"Alan Smith","startTime":511.46,"endTime":515.12,"body":"75% of the UK population would"},{"speaker":"Alan Smith","startTime":515.42,"endTime":516.62,"body":"be happy for that."},{"speaker":"Nick Lincoln","startTime":517.76,"endTime":519.8,"body":"Yeah, 10 million"},{"speaker":"Nick Lincoln","startTime":517.76,"endTime":519.8,"body":"pounds. I'm"},{"speaker":"Alan Smith","startTime":519.799,"endTime":524.259,"body":"surprised it wasn't"},{"speaker":"Alan Smith","startTime":519.799,"endTime":524.259,"body":"99% wasn't 99% of people, yeah,"},{"speaker":"Alan Smith","startTime":524.979,"endTime":527.319,"body":"as long as it's not taxing me of"},{"speaker":"Alan Smith","startTime":524.979,"endTime":527.319,"body":"the"},{"speaker":"Andy Hart","startTime":527.38,"endTime":529.9,"body":"population that are"},{"speaker":"Andy Hart","startTime":527.38,"endTime":529.9,"body":"going to be caught by on the"},{"speaker":"Andy Hart","startTime":529.9,"endTime":536.62,"body":"proposed numbers, 0.04% so yeah,"},{"speaker":"Andy Hart","startTime":529.9,"endTime":536.62,"body":"yeah, zero 6% or whatever"},{"speaker":"Alan Smith","startTime":536.68,"endTime":540.96,"body":"it's so, as you say,"},{"speaker":"Alan Smith","startTime":536.68,"endTime":540.96,"body":"Andy, there's a whole host of"},{"speaker":"Alan Smith","startTime":540.96,"endTime":543.96,"body":"countries that have tried this"},{"speaker":"Alan Smith","startTime":540.96,"endTime":543.96,"body":"and that to reverse it over the"},{"speaker":"Alan Smith","startTime":543.96,"endTime":547.2,"body":"years. We know that the second"},{"speaker":"Alan Smith","startTime":543.96,"endTime":547.2,"body":"order effects and what happens"},{"speaker":"Alan Smith","startTime":547.26,"endTime":552.42,"body":"and and also the I mean, how do"},{"speaker":"Alan Smith","startTime":547.26,"endTime":552.42,"body":"you, how do you calculate this"},{"speaker":"Alan Smith","startTime":552.42,"endTime":554.82,"body":"is the biggest thing. How do you"},{"speaker":"Alan Smith","startTime":552.42,"endTime":554.82,"body":"calculate wealth you want a"},{"speaker":"Alan Smith","startTime":554.82,"endTime":555.18,"body":"private"},{"speaker":"Carl Widger","startTime":555.18,"endTime":556.98,"body":"company? Is it? Is"},{"speaker":"Carl Widger","startTime":555.18,"endTime":556.98,"body":"it going to be, is the"},{"speaker":"Carl Widger","startTime":556.98,"endTime":560.4,"body":"suggestion to base it on your"},{"speaker":"Carl Widger","startTime":556.98,"endTime":560.4,"body":"asset, wealth, as opposed to"},{"speaker":"Carl Widger","startTime":560.4,"endTime":561.2,"body":"your income."},{"speaker":"Andy Hart","startTime":561.5,"endTime":566.66,"body":"Yeah, they called it"},{"speaker":"Andy Hart","startTime":561.5,"endTime":566.66,"body":"net wealth. Yeah, shoot. I mean,"},{"speaker":"Nick Lincoln","startTime":568.34,"endTime":570.56,"body":"what's happened is"},{"speaker":"Nick Lincoln","startTime":568.34,"endTime":570.56,"body":"that Keir Starmer hasn't ruled"},{"speaker":"Nick Lincoln","startTime":570.56,"endTime":573.38,"body":"it out. Yeah. I mean, we had so"},{"speaker":"Nick Lincoln","startTime":570.56,"endTime":573.38,"body":"that we know we are this? Is"},{"speaker":"Nick Lincoln","startTime":573.38,"endTime":574.46,"body":"this? Is this? This is very"},{"speaker":"Alan Smith","startTime":574.46,"endTime":576.5,"body":"conjecture. You"},{"speaker":"Alan Smith","startTime":574.46,"endTime":576.5,"body":"know, one of the, one of the"},{"speaker":"Alan Smith","startTime":606.54,"endTime":608.8199999999999,"body":"things this is happening"},{"speaker":"Alan Smith","startTime":606.54,"endTime":608.8199999999999,"body":"already. I remember the lot the"},{"speaker":"Alan Smith","startTime":608.8199999999999,"endTime":612.38,"body":"budget last year, it wasn't and"},{"speaker":"Alan Smith","startTime":608.8199999999999,"endTime":612.38,"body":"there was three months between"},{"speaker":"Alan Smith","startTime":612.38,"endTime":616.2199999999999,"body":"the general election and the"},{"speaker":"Alan Smith","startTime":612.38,"endTime":616.2199999999999,"body":"budget happening, and the"},{"speaker":"Alan Smith","startTime":616.4,"endTime":620.5999999999999,"body":"government's media and PR"},{"speaker":"Alan Smith","startTime":616.4,"endTime":620.5999999999999,"body":"machine was just awful because"},{"speaker":"Alan Smith","startTime":620.5999999999999,"endTime":622.88,"body":"it didn't say anything. They"},{"speaker":"Alan Smith","startTime":620.5999999999999,"endTime":622.88,"body":"didn't refuse to rule out"},{"speaker":"Alan Smith","startTime":622.88,"endTime":626.5999999999999,"body":"anything. And in the absence of"},{"speaker":"Alan Smith","startTime":622.88,"endTime":626.5999999999999,"body":"clarity, people and all the"},{"speaker":"Alan Smith","startTime":626.5999999999999,"endTime":629.48,"body":"press and media make up their"},{"speaker":"Alan Smith","startTime":626.5999999999999,"endTime":629.48,"body":"own stories, and it's all sort"},{"speaker":"Alan Smith","startTime":629.48,"endTime":632.68,"body":"of big news. And so people begin"},{"speaker":"Alan Smith","startTime":629.48,"endTime":632.68,"body":"to take, you know, action ahead"},{"speaker":"Alan Smith","startTime":632.68,"endTime":635.98,"body":"of it, you know, we saw some the"},{"speaker":"Alan Smith","startTime":632.68,"endTime":635.98,"body":"beginnings of the exodus of"},{"speaker":"Alan Smith","startTime":635.98,"endTime":638.5,"body":"wealthy people. Last year."},{"speaker":"Carl Widger","startTime":639.64,"endTime":641.56,"body":"You've been"},{"speaker":"Carl Widger","startTime":639.64,"endTime":641.56,"body":"speaking about that a lot that,"},{"speaker":"Carl Widger","startTime":641.56,"endTime":646.42,"body":"that, you know, there is a lot"},{"speaker":"Carl Widger","startTime":641.56,"endTime":646.42,"body":"of left. Accelerate"},{"speaker":"Andy Hart","startTime":649.9,"endTime":652.56,"body":"net loss of 16,000"},{"speaker":"Andy Hart","startTime":649.9,"endTime":652.56,"body":"millionaires, and now they're"},{"speaker":"Andy Hart","startTime":652.56,"endTime":656.04,"body":"trying to go after the top"},{"speaker":"Andy Hart","startTime":652.56,"endTime":656.04,"body":"20,000 obviously, there's still"},{"speaker":"Andy Hart","startTime":656.04,"endTime":658.4399999999999,"body":"a chunk, you know, between the"},{"speaker":"Andy Hart","startTime":656.04,"endTime":658.4399999999999,"body":"16,000 we lost, we"},{"speaker":"Nick Lincoln","startTime":658.5,"endTime":661.5,"body":"lost, we lost"},{"speaker":"Nick Lincoln","startTime":658.5,"endTime":661.5,"body":"2025, billionaires last year."},{"speaker":"Nick Lincoln","startTime":661.5,"endTime":663.78,"body":"And last time, there's"},{"speaker":"Nick Lincoln","startTime":661.5,"endTime":663.78,"body":"something. I mean, obviously"},{"speaker":"Nick Lincoln","startTime":664.14,"endTime":667.4399999999999,"body":"TRAPPIST should be Mumbai trust"},{"speaker":"Nick Lincoln","startTime":664.14,"endTime":667.4399999999999,"body":"the thing. I think this is just"},{"speaker":"Nick Lincoln","startTime":667.74,"endTime":671.42,"body":"wrong, even if it worked. The"},{"speaker":"Nick Lincoln","startTime":667.74,"endTime":671.42,"body":"idea is wrong. We already pay a"},{"speaker":"Nick Lincoln","startTime":671.42,"endTime":674.66,"body":"wealth tax in this country. The"},{"speaker":"Nick Lincoln","startTime":671.42,"endTime":674.66,"body":"wealthy 1% I think, pay 30% of"},{"speaker":"Nick Lincoln","startTime":674.66,"endTime":677.0,"body":"the tax take. We've been taxed"},{"speaker":"Nick Lincoln","startTime":674.66,"endTime":677.0,"body":"more heavier than we have been"},{"speaker":"Nick Lincoln","startTime":677.0,"endTime":682.9399999999999,"body":"since 1947 marginal rates of tax"},{"speaker":"Nick Lincoln","startTime":677.0,"endTime":682.9399999999999,"body":"can hover around 62% not for the"},{"speaker":"Nick Lincoln","startTime":682.9399999999999,"endTime":685.4599999999999,"body":"Mega wealthy, but just really"},{"speaker":"Nick Lincoln","startTime":682.9399999999999,"endTime":685.4599999999999,"body":"for the strivers. We are taxed"},{"speaker":"Nick Lincoln","startTime":685.4599999999999,"endTime":688.28,"body":"and taxed and taxed and taxed."},{"speaker":"Nick Lincoln","startTime":685.4599999999999,"endTime":688.28,"body":"And this is an insane idea, and"},{"speaker":"Nick Lincoln","startTime":688.64,"endTime":691.12,"body":"it's not just this. You know,"},{"speaker":"Nick Lincoln","startTime":688.64,"endTime":691.12,"body":"you're taxing on wealth. So"},{"speaker":"Nick Lincoln","startTime":691.54,"endTime":693.8199999999999,"body":"someone who's got money, say,"},{"speaker":"Nick Lincoln","startTime":691.54,"endTime":693.8199999999999,"body":"tied up in their private"},{"speaker":"Nick Lincoln","startTime":693.8199999999999,"endTime":696.88,"body":"company, a very wealthy company,"},{"speaker":"Nick Lincoln","startTime":693.8199999999999,"endTime":696.88,"body":"but it's not listed, perhaps,"},{"speaker":"Nick Lincoln","startTime":697.06,"endTime":700.0,"body":"and the government said, well,"},{"speaker":"Nick Lincoln","startTime":697.06,"endTime":700.0,"body":"we want 100 grand because of"},{"speaker":"Nick Lincoln","startTime":700.0,"endTime":703.8399999999999,"body":"your worth it, where it's I"},{"speaker":"Nick Lincoln","startTime":700.0,"endTime":703.8399999999999,"body":"mean, this is a liquid asset,"},{"speaker":"Nick Lincoln","startTime":703.8399999999999,"endTime":706.54,"body":"and you want me to sell and now"},{"speaker":"Nick Lincoln","startTime":703.8399999999999,"endTime":706.54,"body":"I'm paying capital gains. Are"},{"speaker":"Nick Lincoln","startTime":706.54,"endTime":706.9,"body":"you gonna"},{"speaker":"Alan Smith","startTime":706.9,"endTime":709.78,"body":"that's the same with"},{"speaker":"Alan Smith","startTime":706.9,"endTime":709.78,"body":"inheritance tax on farms and"},{"speaker":"Alan Smith","startTime":709.78,"endTime":712.98,"body":"small businesses, family owned"},{"speaker":"Alan Smith","startTime":709.78,"endTime":712.98,"body":"businesses. Same thing you die."},{"speaker":"Alan Smith","startTime":712.98,"endTime":716.76,"body":"This is an illiquid asset. We're"},{"speaker":"Alan Smith","startTime":712.98,"endTime":716.76,"body":"gonna do, sell a field tax."},{"speaker":"Alan Smith","startTime":716.8199999999999,"endTime":719.28,"body":"There's lots of things. It'll"},{"speaker":"Nick Lincoln","startTime":720.06,"endTime":722.04,"body":"just be it's just"},{"speaker":"Nick Lincoln","startTime":720.06,"endTime":722.04,"body":"another two fingers to wealth"},{"speaker":"Nick Lincoln","startTime":722.04,"endTime":725.0999999999999,"body":"creation and entrepreneurial"},{"speaker":"Nick Lincoln","startTime":722.04,"endTime":725.0999999999999,"body":"spirit. And more people will go."},{"speaker":"Nick Lincoln","startTime":725.0999999999999,"endTime":727.56,"body":"It'll raise nothing. It'll raise"},{"speaker":"Nick Lincoln","startTime":725.0999999999999,"endTime":727.56,"body":"nothing."},{"speaker":"Carl Widger","startTime":727.62,"endTime":729.7199999999999,"body":"There was a"},{"speaker":"Carl Widger","startTime":727.62,"endTime":729.7199999999999,"body":"suggestion here the last"},{"speaker":"Carl Widger","startTime":729.7199999999999,"endTime":733.88,"body":"election here one of the parties"},{"speaker":"Carl Widger","startTime":729.7199999999999,"endTime":733.88,"body":"who are going for the populist"},{"speaker":"Carl Widger","startTime":733.88,"endTime":737.3,"body":"vote, shall we say, we're going"},{"speaker":"Carl Widger","startTime":733.88,"endTime":737.3,"body":"to put a kind of a wealth tax,"},{"speaker":"Carl Widger","startTime":737.3,"endTime":741.4399999999999,"body":"but it was income based, so, and"},{"speaker":"Carl Widger","startTime":737.3,"endTime":741.4399999999999,"body":"that makes no sense either,"},{"speaker":"Carl Widger","startTime":741.4399999999999,"endTime":744.26,"body":"because, you know, there's a lot"},{"speaker":"Carl Widger","startTime":741.4399999999999,"endTime":744.26,"body":"of obviously high earners, but"},{"speaker":"Carl Widger","startTime":744.26,"endTime":747.62,"body":"there's a lot of very wealthy"},{"speaker":"Carl Widger","startTime":744.26,"endTime":747.62,"body":"people who have, you know, their"},{"speaker":"Carl Widger","startTime":747.62,"endTime":751.24,"body":"income low because they're doing"},{"speaker":"Carl Widger","startTime":747.62,"endTime":751.24,"body":"tax planning, you know, so"},{"speaker":"Carl Widger","startTime":752.02,"endTime":754.5999999999999,"body":"thankfully that party didn't get"},{"speaker":"Carl Widger","startTime":752.02,"endTime":754.5999999999999,"body":"elected. Yeah,"},{"speaker":"Alan Smith","startTime":755.38,"endTime":756.28,"body":"income tax,"},{"speaker":"Nick Lincoln","startTime":756.28,"endTime":759.0999999999999,"body":"yeah, well, our"},{"speaker":"Nick Lincoln","startTime":756.28,"endTime":759.0999999999999,"body":"high earners pay 47% tax because"},{"speaker":"Nick Lincoln","startTime":759.0999999999999,"endTime":760.9599999999999,"body":"National Insurance is a tax. I"},{"speaker":"Nick Lincoln","startTime":759.0999999999999,"endTime":760.9599999999999,"body":"don't"},{"speaker":"Alan Smith","startTime":760.9599999999999,"endTime":764.38,"body":"care what they say,"},{"speaker":"Alan Smith","startTime":760.9599999999999,"endTime":764.38,"body":"47% 60% in some instances, and"},{"speaker":"Alan Smith","startTime":764.38,"endTime":765.64,"body":"more. Yeah, they're also talking"},{"speaker":"Alan Smith","startTime":764.38,"endTime":765.64,"body":"about"},{"speaker":"Andy Hart","startTime":765.64,"endTime":767.4399999999999,"body":"potentially"},{"speaker":"Andy Hart","startTime":765.64,"endTime":767.4399999999999,"body":"introducing, like, a one off"},{"speaker":"Andy Hart","startTime":767.4399999999999,"endTime":770.6999999999999,"body":"levy tax that's spread over five"},{"speaker":"Andy Hart","startTime":767.4399999999999,"endTime":770.6999999999999,"body":"years. It's never one off. Is"},{"speaker":"Andy Hart","startTime":770.6999999999999,"endTime":772.5,"body":"it? The implementation of doing"},{"speaker":"Andy Hart","startTime":770.6999999999999,"endTime":772.5,"body":"this"},{"speaker":"Nick Lincoln","startTime":772.5,"endTime":774.66,"body":"is it's never one"},{"speaker":"Nick Lincoln","startTime":772.5,"endTime":774.66,"body":"off. Once it's in, it's in, and"},{"speaker":"Nick Lincoln","startTime":774.78,"endTime":778.5,"body":"then they just, you know, just"},{"speaker":"Nick Lincoln","startTime":774.78,"endTime":778.5,"body":"every year they raise it, or"},{"speaker":"Nick Lincoln","startTime":778.5,"endTime":781.02,"body":"they lower allowances. The"},{"speaker":"Nick Lincoln","startTime":778.5,"endTime":781.02,"body":"dividend tax that came in a few"},{"speaker":"Nick Lincoln","startTime":781.02,"endTime":783.54,"body":"years ago had a dividend"},{"speaker":"Nick Lincoln","startTime":781.02,"endTime":783.54,"body":"allowance, didn't it? Whatever"},{"speaker":"Nick Lincoln","startTime":783.54,"endTime":786.7199999999999,"body":"was 5000 pounds. Now it's 500"},{"speaker":"Nick Lincoln","startTime":783.54,"endTime":786.7199999999999,"body":"pounds. Might as well get rid of"},{"speaker":"Nick Lincoln","startTime":786.7199999999999,"endTime":788.52,"body":"it's a waste of time. Yeah,"},{"speaker":"Nick Lincoln","startTime":786.7199999999999,"endTime":788.52,"body":"yeah. Well, let's hope it"},{"speaker":"Nick Lincoln","startTime":788.52,"endTime":791.66,"body":"doesn't happen. But if it does,"},{"speaker":"Nick Lincoln","startTime":788.52,"endTime":791.66,"body":"it's just we'll hit rock bottom"},{"speaker":"Nick Lincoln","startTime":791.66,"endTime":796.52,"body":"bit quicker, and then we can"},{"speaker":"Nick Lincoln","startTime":791.66,"endTime":796.52,"body":"rebuild. Watch, yes. Catherine,"},{"speaker":"Nick Lincoln","startTime":796.52,"endTime":799.16,"body":"Carroll, have I said that?"},{"speaker":"Nick Lincoln","startTime":796.52,"endTime":799.16,"body":"Right? Caitlin, Cathal, Carol,"},{"speaker":"Nick Lincoln","startTime":799.3399999999999,"endTime":799.4599999999999,"body":"all"},{"speaker":"Carl Widger","startTime":803.48,"endTime":806.8399999999999,"body":"right. I'm sure"},{"speaker":"Carl Widger","startTime":803.48,"endTime":806.8399999999999,"body":"Kyle is going to be thrilled"},{"speaker":"Carl Widger","startTime":806.8399999999999,"endTime":809.78,"body":"with the chocolate here. He"},{"speaker":"Carl Widger","startTime":806.8399999999999,"endTime":809.78,"body":"wrote a really good opinion"},{"speaker":"Carl Widger","startTime":809.78,"endTime":813.4599999999999,"body":"piece, and it's kind of along"},{"speaker":"Carl Widger","startTime":809.78,"endTime":813.4599999999999,"body":"the lines of what I've been"},{"speaker":"Carl Widger","startTime":813.76,"endTime":818.3199999999999,"body":"espousing for the last while,"},{"speaker":"Carl Widger","startTime":813.76,"endTime":818.3199999999999,"body":"which is apparently part of"},{"speaker":"Carl Widger","startTime":818.38,"endTime":823.5999999999999,"body":"Donald's big, beautiful bill."},{"speaker":"Carl Widger","startTime":818.38,"endTime":823.5999999999999,"body":"He's introducing a one off 1000"},{"speaker":"Carl Widger","startTime":823.5999999999999,"endTime":827.02,"body":"euro for every citizen that's"},{"speaker":"Carl Widger","startTime":823.5999999999999,"endTime":827.02,"body":"born in the States and that"},{"speaker":"Carl Widger","startTime":827.02,"endTime":830.02,"body":"that's going to go into an"},{"speaker":"Carl Widger","startTime":827.02,"endTime":830.02,"body":"investment account that's in the"},{"speaker":"Carl Widger","startTime":830.02,"endTime":833.64,"body":"article. So I'm assuming that"},{"speaker":"Carl Widger","startTime":830.02,"endTime":833.64,"body":"that's correct. So he call was"},{"speaker":"Carl Widger","startTime":833.64,"endTime":837.9,"body":"basically saying that this would"},{"speaker":"Carl Widger","startTime":833.64,"endTime":837.9,"body":"be a great way that we create a"},{"speaker":"Carl Widger","startTime":837.9,"endTime":841.86,"body":"nation of investors and build"},{"speaker":"Carl Widger","startTime":837.9,"endTime":841.86,"body":"wealth ourselves. And look,"},{"speaker":"Carl Widger","startTime":841.86,"endTime":844.86,"body":"we're probably not in the pickle"},{"speaker":"Carl Widger","startTime":841.86,"endTime":844.86,"body":"you guys are in at the moment,"},{"speaker":"Carl Widger","startTime":844.86,"endTime":848.0999999999999,"body":"but we also are not stupid"},{"speaker":"Carl Widger","startTime":844.86,"endTime":848.0999999999999,"body":"enough to understand, to know"},{"speaker":"Carl Widger","startTime":848.0999999999999,"endTime":850.8199999999999,"body":"that these things are these are"},{"speaker":"Carl Widger","startTime":848.0999999999999,"endTime":850.8199999999999,"body":"cycles, aren't they? And we're"},{"speaker":"Carl Widger","startTime":850.8199999999999,"endTime":855.92,"body":"in a good spot at the moment. So"},{"speaker":"Carl Widger","startTime":850.8199999999999,"endTime":855.92,"body":"how can we now build on that and"},{"speaker":"Carl Widger","startTime":855.92,"endTime":860.0,"body":"create create this wealth into"},{"speaker":"Carl Widger","startTime":855.92,"endTime":860.0,"body":"the long term? And the best way"},{"speaker":"Carl Widger","startTime":860.0,"endTime":863.7199999999999,"body":"we can do it is by giving people"},{"speaker":"Carl Widger","startTime":860.0,"endTime":863.7199999999999,"body":"the responsibility to do it"},{"speaker":"Carl Widger","startTime":863.7199999999999,"endTime":867.38,"body":"themselves. And if the"},{"speaker":"Carl Widger","startTime":863.7199999999999,"endTime":867.38,"body":"government have this extra tax,"},{"speaker":"Carl Widger","startTime":867.38,"endTime":870.4599999999999,"body":"corporation tax that's coming"},{"speaker":"Carl Widger","startTime":867.38,"endTime":870.4599999999999,"body":"in, well, wouldn't this be a"},{"speaker":"Carl Widger","startTime":870.4599999999999,"endTime":874.5999999999999,"body":"really good way of doing it and"},{"speaker":"Carl Widger","startTime":870.4599999999999,"endTime":874.5999999999999,"body":"making people, you know, he's,"},{"speaker":"Carl Widger","startTime":874.5999999999999,"endTime":878.38,"body":"he's arguing for setting up kind"},{"speaker":"Carl Widger","startTime":874.5999999999999,"endTime":878.38,"body":"of digital accounts, you know."},{"speaker":"Carl Widger","startTime":878.38,"endTime":882.88,"body":"So it's, it's, it's, you know,"},{"speaker":"Carl Widger","startTime":878.38,"endTime":882.88,"body":"going to be future proofed, and"},{"speaker":"Carl Widger","startTime":882.88,"endTime":886.78,"body":"that, you know, you you'd invest"},{"speaker":"Carl Widger","startTime":882.88,"endTime":886.78,"body":"in ETFs going forward. Keep your"},{"speaker":"Carl Widger","startTime":886.78,"endTime":889.3,"body":"bonds out of it. This is very"},{"speaker":"Carl Widger","startTime":886.78,"endTime":889.3,"body":"long term investing, and this"},{"speaker":"Carl Widger","startTime":889.3,"endTime":892.86,"body":"would be a great way of creating"},{"speaker":"Carl Widger","startTime":889.3,"endTime":892.86,"body":"wealth. Well, I love the idea."},{"speaker":"Carl Widger","startTime":892.86,"endTime":895.5,"body":"It's very similar to the stuff"},{"speaker":"Carl Widger","startTime":892.86,"endTime":895.5,"body":"that I've been saying. And we"},{"speaker":"Carl Widger","startTime":895.56,"endTime":900.12,"body":"definitely should do it. Can't"},{"speaker":"Carl Widger","startTime":895.56,"endTime":900.12,"body":"see us doing it, but he has done"},{"speaker":"Carl Widger","startTime":900.12,"endTime":904.0799999999999,"body":"the sums that the cost each"},{"speaker":"Carl Widger","startTime":900.12,"endTime":904.0799999999999,"body":"year. You know, it's kind of"},{"speaker":"Carl Widger","startTime":904.0799999999999,"endTime":908.16,"body":"between 55 and 65 million."},{"speaker":"Carl Widger","startTime":904.0799999999999,"endTime":908.16,"body":"That's nothing, but you'll have"},{"speaker":"Carl Widger","startTime":908.16,"endTime":911.42,"body":"a whole load of of, you know,"},{"speaker":"Carl Widger","startTime":908.16,"endTime":911.42,"body":"youngsters who'll be interested"},{"speaker":"Carl Widger","startTime":911.42,"endTime":915.86,"body":"in investing, and this is how"},{"speaker":"Carl Widger","startTime":911.42,"endTime":915.86,"body":"we'll get away from having all"},{"speaker":"Carl Widger","startTime":915.86,"endTime":919.76,"body":"of our wealth our you know,"},{"speaker":"Carl Widger","startTime":915.86,"endTime":919.76,"body":"nearly 60% of our wealth is"},{"speaker":"Carl Widger","startTime":919.76,"endTime":922.8199999999999,"body":"property, property, property."},{"speaker":"Carl Widger","startTime":919.76,"endTime":922.8199999999999,"body":"And can we create a nation of"},{"speaker":"Carl Widger","startTime":922.8199999999999,"endTime":924.8,"body":"investors? Yes. Nickolas, yes."},{"speaker":"Carl Widger","startTime":922.8199999999999,"endTime":924.8,"body":"Very"},{"speaker":"Nick Lincoln","startTime":924.8,"endTime":926.7199999999999,"body":"interesting point."},{"speaker":"Nick Lincoln","startTime":924.8,"endTime":926.7199999999999,"body":"I think your point there, Carl,"},{"speaker":"Nick Lincoln","startTime":926.7199999999999,"endTime":930.28,"body":"is very well made. Or the point"},{"speaker":"Nick Lincoln","startTime":926.7199999999999,"endTime":930.28,"body":"in cottles article is that. We"},{"speaker":"Nick Lincoln","startTime":930.28,"endTime":933.76,"body":"have to, this has to go into"},{"speaker":"Nick Lincoln","startTime":930.28,"endTime":933.76,"body":"equities. We had something"},{"speaker":"Nick Lincoln","startTime":933.76,"endTime":937.9,"body":"launched in this country in 2002"},{"speaker":"Nick Lincoln","startTime":933.76,"endTime":937.9,"body":"the child Trust Fund, where the"},{"speaker":"Nick Lincoln","startTime":937.9,"endTime":943.0,"body":"government gave you 200 gave 250"},{"speaker":"Nick Lincoln","startTime":937.9,"endTime":943.0,"body":"quid for every child you had"},{"speaker":"Nick Lincoln","startTime":943.0,"endTime":946.12,"body":"born after 2000 actually, my son"},{"speaker":"Nick Lincoln","startTime":943.0,"endTime":946.12,"body":"didn't qualify, which pissed me"},{"speaker":"Nick Lincoln","startTime":946.12,"endTime":949.3,"body":"off even more. But he was born"},{"speaker":"Nick Lincoln","startTime":946.12,"endTime":949.3,"body":"in 2002 but a few days too"},{"speaker":"Nick Lincoln","startTime":949.3,"endTime":949.48,"body":"early."},{"speaker":"Carl Widger","startTime":949.54,"endTime":951.3,"body":"You're over it. No,"},{"speaker":"Carl Widger","startTime":949.54,"endTime":951.3,"body":"though, yeah, I know"},{"speaker":"Nick Lincoln","startTime":952.56,"endTime":954.9599999999999,"body":"it's Gordon Brown."},{"speaker":"Nick Lincoln","startTime":952.56,"endTime":954.9599999999999,"body":"So the resentment seeds and"},{"speaker":"Nick Lincoln","startTime":954.9599999999999,"endTime":958.14,"body":"Royals and most people just put"},{"speaker":"Nick Lincoln","startTime":954.9599999999999,"endTime":958.14,"body":"these CTFs, these children,"},{"speaker":"Nick Lincoln","startTime":958.14,"endTime":960.78,"body":"trust funds, 250 quid"},{"speaker":"Nick Lincoln","startTime":958.14,"endTime":960.78,"body":"certificates into cash where"},{"speaker":"Nick Lincoln","startTime":960.78,"endTime":963.24,"body":"they've since language, most of"},{"speaker":"Nick Lincoln","startTime":960.78,"endTime":963.24,"body":"them probably have lost their"},{"speaker":"Nick Lincoln","startTime":963.24,"endTime":965.28,"body":"logins. Can't remember. The"},{"speaker":"Nick Lincoln","startTime":963.24,"endTime":965.28,"body":"thing is, the whole thing was"},{"speaker":"Nick Lincoln","startTime":965.28,"endTime":967.92,"body":"catastrophically done. If it had"},{"speaker":"Nick Lincoln","startTime":965.28,"endTime":967.92,"body":"been done properly, it would"},{"speaker":"Nick Lincoln","startTime":967.92,"endTime":970.4,"body":"have been as as as you, as your"},{"speaker":"Nick Lincoln","startTime":967.92,"endTime":970.4,"body":"suggesting come over the over"},{"speaker":"Nick Lincoln","startTime":970.4,"endTime":974.24,"body":"the sea there into into stocks"},{"speaker":"Nick Lincoln","startTime":970.4,"endTime":974.24,"body":"and shares and get investing"},{"speaker":"Nick Lincoln","startTime":974.24,"endTime":975.62,"body":"habit. And we had,"},{"speaker":"Carl Widger","startTime":975.74,"endTime":978.62,"body":"we had something"},{"speaker":"Carl Widger","startTime":975.74,"endTime":978.62,"body":"similar, back in the Celtic tire"},{"speaker":"Carl Widger","startTime":978.62,"endTime":982.64,"body":"days, we had the SSI, a special"},{"speaker":"Carl Widger","startTime":978.62,"endTime":982.64,"body":"savings incentive account, and"},{"speaker":"Carl Widger","startTime":982.6999999999999,"endTime":985.64,"body":"you can put it into whatever you"},{"speaker":"Carl Widger","startTime":982.6999999999999,"endTime":985.64,"body":"want it, and the government,"},{"speaker":"Carl Widger","startTime":985.64,"endTime":988.04,"body":"whatever you put in, the"},{"speaker":"Carl Widger","startTime":985.64,"endTime":988.04,"body":"government, topped it up by 25%"},{"speaker":"Carl Widger","startTime":989.06,"endTime":992.86,"body":"every single person in the"},{"speaker":"Carl Widger","startTime":989.06,"endTime":992.86,"body":"country had an SSI account. So"},{"speaker":"Carl Widger","startTime":992.86,"endTime":998.38,"body":"these, these incentives, clearly"},{"speaker":"Carl Widger","startTime":992.86,"endTime":998.38,"body":"do work. The problem is the SSI,"},{"speaker":"Carl Widger","startTime":998.4399999999999,"endTime":1001.38,"body":"you could do a deposit one, or"},{"speaker":"Carl Widger","startTime":998.4399999999999,"endTime":1001.38,"body":"you could do an investment one,"},{"speaker":"Carl Widger","startTime":1001.4399999999999,"endTime":1004.8,"body":"or you could do something in the"},{"speaker":"Carl Widger","startTime":1001.4399999999999,"endTime":1004.8,"body":"middle, and you know, too many"},{"speaker":"Carl Widger","startTime":1004.8,"endTime":1008.16,"body":"people did the deposit one, and"},{"speaker":"Carl Widger","startTime":1004.8,"endTime":1008.16,"body":"obviously didn't see any growth"},{"speaker":"Carl Widger","startTime":1008.2199999999999,"endTime":1010.9399999999999,"body":"and just took the money out when"},{"speaker":"Carl Widger","startTime":1008.2199999999999,"endTime":1010.9399999999999,"body":"the five years was up. But,"},{"speaker":"Carl Widger","startTime":1011.3,"endTime":1016.0999999999999,"body":"yeah, I like, can we create this"},{"speaker":"Carl Widger","startTime":1011.3,"endTime":1016.0999999999999,"body":"culture? It's God, it's going to"},{"speaker":"Carl Widger","startTime":1016.0999999999999,"endTime":1021.68,"body":"be so, so, so bloody difficult."},{"speaker":"Carl Widger","startTime":1016.0999999999999,"endTime":1021.68,"body":"But you know, now that we're in"},{"speaker":"Carl Widger","startTime":1021.68,"endTime":1026.48,"body":"a, you know, a sweet spot, now"},{"speaker":"Carl Widger","startTime":1021.68,"endTime":1026.48,"body":"is the time to be brave, agreed"},{"speaker":"Carl Widger","startTime":1026.66,"endTime":1029.6,"body":"and look to the long term. Can"},{"speaker":"Carl Widger","startTime":1026.66,"endTime":1029.6,"body":"we get our politicians to look"},{"speaker":"Carl Widger","startTime":1029.6,"endTime":1032.32,"body":"to the long term? Please? Oh,"},{"speaker":"Carl Widger","startTime":1029.6,"endTime":1032.32,"body":"please. Oh, please. Well,"},{"speaker":"Alan Smith","startTime":1032.32,"endTime":1037.1200000000001,"body":"I've been following"},{"speaker":"Alan Smith","startTime":1032.32,"endTime":1037.1200000000001,"body":"this, this American version of"},{"speaker":"Alan Smith","startTime":1037.1200000000001,"endTime":1040.1200000000001,"body":"this. I don't know if you guys,"},{"speaker":"Alan Smith","startTime":1037.1200000000001,"endTime":1040.1200000000001,"body":"you know Brad gertzner, who's"},{"speaker":"Alan Smith","startTime":1040.1200000000001,"endTime":1043.54,"body":"sort of fifth bestie, this guy's"},{"speaker":"Alan Smith","startTime":1040.1200000000001,"endTime":1043.54,"body":"own podcast. He's been behind"},{"speaker":"Alan Smith","startTime":1043.54,"endTime":1046.18,"body":"us. I can't remember what they"},{"speaker":"Alan Smith","startTime":1043.54,"endTime":1046.18,"body":"call it, but the American fund"},{"speaker":"Alan Smith","startTime":1046.18,"endTime":1052.2,"body":"type thing, and it comes from a"},{"speaker":"Alan Smith","startTime":1046.18,"endTime":1052.2,"body":"really good place in that you"},{"speaker":"Alan Smith","startTime":1052.2,"endTime":1055.92,"body":"know us, maybe the majority of"},{"speaker":"Alan Smith","startTime":1052.2,"endTime":1055.92,"body":"our clients, they are people"},{"speaker":"Alan Smith","startTime":1055.92,"endTime":1058.56,"body":"with wealth. That's the whole"},{"speaker":"Alan Smith","startTime":1055.92,"endTime":1058.56,"body":"point. They've got wealth. They"},{"speaker":"Alan Smith","startTime":1058.56,"endTime":1062.1,"body":"understand the engage with with"},{"speaker":"Alan Smith","startTime":1058.56,"endTime":1062.1,"body":"the markets. They understand"},{"speaker":"Alan Smith","startTime":1062.1,"endTime":1066.24,"body":"that owning stocks is is a"},{"speaker":"Alan Smith","startTime":1062.1,"endTime":1066.24,"body":"certain way to build and"},{"speaker":"Alan Smith","startTime":1066.24,"endTime":1069.42,"body":"preserve your wealth. But they"},{"speaker":"Alan Smith","startTime":1066.24,"endTime":1069.42,"body":"represent them. In the UK alone,"},{"speaker":"Alan Smith","startTime":1069.42,"endTime":1071.8999999999999,"body":"there's only 8% of the"},{"speaker":"Alan Smith","startTime":1069.42,"endTime":1071.8999999999999,"body":"population, of the adult"},{"speaker":"Alan Smith","startTime":1071.8999999999999,"endTime":1075.08,"body":"population, receive financial"},{"speaker":"Alan Smith","startTime":1071.8999999999999,"endTime":1075.08,"body":"advice. Most people haven't got"},{"speaker":"Alan Smith","startTime":1075.1399999999999,"endTime":1077.8999999999999,"body":"but most of the population, and"},{"speaker":"Alan Smith","startTime":1075.1399999999999,"endTime":1077.8999999999999,"body":"this will be the same in any"},{"speaker":"Alan Smith","startTime":1077.8999999999999,"endTime":1080.78,"body":"developed country, are not"},{"speaker":"Alan Smith","startTime":1077.8999999999999,"endTime":1080.78,"body":"engaged with the stock market."},{"speaker":"Alan Smith","startTime":1080.78,"endTime":1083.0,"body":"That's for rich people. That's"},{"speaker":"Alan Smith","startTime":1080.78,"endTime":1083.0,"body":"for all those other people"},{"speaker":"Alan Smith","startTime":1083.0,"endTime":1085.58,"body":"who've got money, because most"},{"speaker":"Alan Smith","startTime":1083.0,"endTime":1085.58,"body":"of them just simply haven't got"},{"speaker":"Alan Smith","startTime":1085.58,"endTime":1087.8,"body":"enough. And if you've got a bit,"},{"speaker":"Alan Smith","startTime":1085.58,"endTime":1087.8,"body":"you probably chuck you know,"},{"speaker":"Alan Smith","startTime":1087.8,"endTime":1090.26,"body":"there's reasons why people hold"},{"speaker":"Alan Smith","startTime":1087.8,"endTime":1090.26,"body":"it in cash accounts, because"},{"speaker":"Alan Smith","startTime":1090.26,"endTime":1092.98,"body":"they feel it's safe. They know"},{"speaker":"Alan Smith","startTime":1090.26,"endTime":1092.98,"body":"it's there. They can check"},{"speaker":"Alan Smith","startTime":1092.98,"endTime":1095.32,"body":"online, or they can see it, and"},{"speaker":"Alan Smith","startTime":1092.98,"endTime":1095.32,"body":"it's there. When they pick it"},{"speaker":"Alan Smith","startTime":1095.32,"endTime":1097.8999999999999,"body":"up, it's very little engagement."},{"speaker":"Alan Smith","startTime":1095.32,"endTime":1097.8999999999999,"body":"And when you see, like something"},{"speaker":"Alan Smith","startTime":1097.8999999999999,"endTime":1100.36,"body":"you read in the newspaper, or"},{"speaker":"Alan Smith","startTime":1097.8999999999999,"endTime":1100.36,"body":"you see some article about"},{"speaker":"Alan Smith","startTime":1100.54,"endTime":1105.28,"body":"Amazon stock or Nvidia, you are"},{"speaker":"Alan Smith","startTime":1100.54,"endTime":1105.28,"body":"not part of that story. So"},{"speaker":"Alan Smith","startTime":1105.28,"endTime":1108.46,"body":"that's part of his thing they've"},{"speaker":"Alan Smith","startTime":1105.28,"endTime":1108.46,"body":"gotten. You know, the American"},{"speaker":"Alan Smith","startTime":1108.52,"endTime":1111.78,"body":"version, of course, is talking"},{"speaker":"Alan Smith","startTime":1108.52,"endTime":1111.78,"body":"about, you know, we are the"},{"speaker":"Alan Smith","startTime":1111.78,"endTime":1116.52,"body":"greatest wealth creation engine"},{"speaker":"Alan Smith","startTime":1111.78,"endTime":1116.52,"body":"in history, and we're likely to"},{"speaker":"Alan Smith","startTime":1116.52,"endTime":1119.7,"body":"maintain that position. And if"},{"speaker":"Alan Smith","startTime":1116.52,"endTime":1119.7,"body":"we can get the rest of the"},{"speaker":"Alan Smith","startTime":1119.7,"endTime":1122.8799999999999,"body":"population, the 90% who are"},{"speaker":"Alan Smith","startTime":1119.7,"endTime":1122.8799999999999,"body":"excluded from this wealth"},{"speaker":"Alan Smith","startTime":1122.8799999999999,"endTime":1126.42,"body":"creation, at least involved and"},{"speaker":"Alan Smith","startTime":1122.8799999999999,"endTime":1126.42,"body":"interested, it's better for all"},{"speaker":"Alan Smith","startTime":1126.42,"endTime":1129.8999999999999,"body":"of us. If you begin to track how"},{"speaker":"Alan Smith","startTime":1126.42,"endTime":1129.8999999999999,"body":"Apple stocks doing, or the"},{"speaker":"Alan Smith","startTime":1129.8999999999999,"endTime":1132.8,"body":"latest, you know, tech"},{"speaker":"Alan Smith","startTime":1129.8999999999999,"endTime":1132.8,"body":"innovation or startup, because"},{"speaker":"Alan Smith","startTime":1132.8,"endTime":1134.78,"body":"you've got some skin in the"},{"speaker":"Alan Smith","startTime":1132.8,"endTime":1134.78,"body":"game. Might be a small bit of"},{"speaker":"Alan Smith","startTime":1134.78,"endTime":1137.42,"body":"skin, but you are involved in"},{"speaker":"Alan Smith","startTime":1134.78,"endTime":1137.42,"body":"this investment story. It's"},{"speaker":"Alan Smith","startTime":1137.42,"endTime":1140.6599999999999,"body":"great for everyone. They've got"},{"speaker":"Alan Smith","startTime":1137.42,"endTime":1140.6599999999999,"body":"some good rules around it. It is"},{"speaker":"Alan Smith","startTime":1140.6599999999999,"endTime":1145.46,"body":"all equities, and you can get"},{"speaker":"Alan Smith","startTime":1140.6599999999999,"endTime":1145.46,"body":"your money out at certain points"},{"speaker":"Alan Smith","startTime":1145.46,"endTime":1147.44,"body":"along the way. You can't touch"},{"speaker":"Alan Smith","startTime":1145.46,"endTime":1147.44,"body":"it, I think, to your very"},{"speaker":"Alan Smith","startTime":1147.44,"endTime":1150.76,"body":"earliest age, 18. But if you"},{"speaker":"Alan Smith","startTime":1147.44,"endTime":1150.76,"body":"wanted to buy a property, if you"},{"speaker":"Alan Smith","startTime":1150.76,"endTime":1153.1599999999999,"body":"wanted to start a business,"},{"speaker":"Alan Smith","startTime":1150.76,"endTime":1153.1599999999999,"body":"there was, there's two or three"},{"speaker":"Alan Smith","startTime":1153.1599999999999,"endTime":1156.3999999999999,"body":"reasons that you could get"},{"speaker":"Alan Smith","startTime":1153.1599999999999,"endTime":1156.3999999999999,"body":"access to it. Otherwise you"},{"speaker":"Alan Smith","startTime":1156.3999999999999,"endTime":1160.24,"body":"don't, and it's a great idea"},{"speaker":"Alan Smith","startTime":1156.3999999999999,"endTime":1160.24,"body":"and, and you're right, Nick, and"},{"speaker":"Alan Smith","startTime":1160.24,"endTime":1162.7,"body":"I remember the day the child"},{"speaker":"Alan Smith","startTime":1160.24,"endTime":1162.7,"body":"Trust Fund, people just didn't"},{"speaker":"Alan Smith","startTime":1162.7,"endTime":1165.52,"body":"read and engage with it. We're"},{"speaker":"Alan Smith","startTime":1162.7,"endTime":1165.52,"body":"in a digital environment now. So"},{"speaker":"Alan Smith","startTime":1165.52,"endTime":1169.36,"body":"this, these sending out a letter"},{"speaker":"Alan Smith","startTime":1165.52,"endTime":1169.36,"body":"in the post that I mentioned on"},{"speaker":"Alan Smith","startTime":1169.36,"endTime":1172.08,"body":"this podcast months. You know,"},{"speaker":"Alan Smith","startTime":1169.36,"endTime":1172.08,"body":"one of our early episodes, a"},{"speaker":"Alan Smith","startTime":1172.08,"endTime":1175.02,"body":"story I had when I went to visit"},{"speaker":"Alan Smith","startTime":1172.08,"endTime":1175.02,"body":"a client in their home, and I"},{"speaker":"Alan Smith","startTime":1175.02,"endTime":1177.84,"body":"mentioned these things, and they"},{"speaker":"Alan Smith","startTime":1175.02,"endTime":1177.84,"body":"found that, let's have a look."},{"speaker":"Alan Smith","startTime":1177.84,"endTime":1180.78,"body":"Looked in the drawer, there was"},{"speaker":"Alan Smith","startTime":1177.84,"endTime":1180.78,"body":"this crumpled up envelope with"},{"speaker":"Alan Smith","startTime":1180.78,"endTime":1183.78,"body":"their certificate that they just"},{"speaker":"Alan Smith","startTime":1180.78,"endTime":1183.78,"body":"shoved away somewhere. But of"},{"speaker":"Alan Smith","startTime":1183.78,"endTime":1186.78,"body":"course, with this sort of"},{"speaker":"Alan Smith","startTime":1183.78,"endTime":1186.78,"body":"digital engagement, I've done"},{"speaker":"Alan Smith","startTime":1186.78,"endTime":1190.02,"body":"the numbers, though, in the UK,"},{"speaker":"Alan Smith","startTime":1186.78,"endTime":1190.02,"body":"I mean, you've with the benefit"},{"speaker":"Alan Smith","startTime":1190.02,"endTime":1193.6399999999999,"body":"of Ireland is you've got us a"},{"speaker":"Alan Smith","startTime":1190.02,"endTime":1193.6399999999999,"body":"high capita per person, and what"},{"speaker":"Alan Smith","startTime":1193.6399999999999,"endTime":1197.48,"body":"have you with us, with a low"},{"speaker":"Alan Smith","startTime":1193.6399999999999,"endTime":1197.48,"body":"population with us? Well, we got"},{"speaker":"Alan Smith","startTime":1197.48,"endTime":1206.42,"body":"70 million now and now. But I"},{"speaker":"Alan Smith","startTime":1197.48,"endTime":1206.42,"body":"mean, my God, you know, we're in"},{"speaker":"Alan Smith","startTime":1206.42,"endTime":1208.6399999999999,"body":"enough trouble as it is. Without"},{"speaker":"Alan Smith","startTime":1206.42,"endTime":1208.6399999999999,"body":"saying, there's another x"},{"speaker":"Alan Smith","startTime":1208.6399999999999,"endTime":1211.72,"body":"billion required to fund these"},{"speaker":"Alan Smith","startTime":1208.6399999999999,"endTime":1211.72,"body":"things. It's a fabulous idea. I"},{"speaker":"Alan Smith","startTime":1211.72,"endTime":1214.24,"body":"just don't think that our"},{"speaker":"Alan Smith","startTime":1211.72,"endTime":1214.24,"body":"government are anywhere close to"},{"speaker":"Alan Smith","startTime":1215.2,"endTime":1217.06,"body":"to doing anything about it."},{"speaker":"Alan Smith","startTime":1215.2,"endTime":1217.06,"body":"Andy, Andy,"},{"speaker":"Andy Hart","startTime":1217.54,"endTime":1219.94,"body":"my next point follows"},{"speaker":"Andy Hart","startTime":1217.54,"endTime":1219.94,"body":"on from that, so I'll probably"},{"speaker":"Andy Hart","startTime":1219.94,"endTime":1224.02,"body":"just start, you know, move on to"},{"speaker":"Andy Hart","startTime":1219.94,"endTime":1224.02,"body":"it a couple of points. The new"},{"speaker":"Andy Hart","startTime":1224.02,"endTime":1228.28,"body":"CEO of Vanguard, Salim Ramji,"},{"speaker":"Andy Hart","startTime":1224.02,"endTime":1228.28,"body":"who's a close personal friend of"},{"speaker":"Andy Hart","startTime":1228.94,"endTime":1236.1599999999999,"body":"mine, and eyes. I mentioned this"},{"speaker":"Andy Hart","startTime":1228.94,"endTime":1236.1599999999999,"body":"piece. He was saying, if the UK"},{"speaker":"Andy Hart","startTime":1236.46,"endTime":1240.18,"body":"adopted the same percentage rate"},{"speaker":"Andy Hart","startTime":1236.46,"endTime":1240.18,"body":"that Americans invest in the"},{"speaker":"Andy Hart","startTime":1240.18,"endTime":1244.56,"body":"stock market, an extra two $50"},{"speaker":"Andy Hart","startTime":1240.18,"endTime":1244.56,"body":"billion could be switched from"},{"speaker":"Andy Hart","startTime":1244.56,"endTime":1247.98,"body":"savings to investing, which is"},{"speaker":"Andy Hart","startTime":1244.56,"endTime":1247.98,"body":"obviously the name of the game."},{"speaker":"Andy Hart","startTime":1247.98,"endTime":1254.12,"body":"And then my main point was this"},{"speaker":"Andy Hart","startTime":1247.98,"endTime":1254.12,"body":"talk of the ISA, the cash ISA"},{"speaker":"Andy Hart","startTime":1254.18,"endTime":1256.76,"body":"being restricted. At the moment,"},{"speaker":"Andy Hart","startTime":1254.18,"endTime":1256.76,"body":"a cash ISA and investment,"},{"speaker":"Andy Hart","startTime":1256.8799999999999,"endTime":1260.42,"body":"investing isa in the UK has a"},{"speaker":"Andy Hart","startTime":1256.8799999999999,"endTime":1260.42,"body":"20,000 pounds limit. So you can"},{"speaker":"Andy Hart","startTime":1260.42,"endTime":1264.44,"body":"do 20,000 into cash, 20,000 to"},{"speaker":"Andy Hart","startTime":1260.42,"endTime":1264.44,"body":"investment, or 10 and 10 in each"},{"speaker":"Andy Hart","startTime":1264.74,"endTime":1267.5,"body":"anyway, really, just thinking"},{"speaker":"Andy Hart","startTime":1264.74,"endTime":1267.5,"body":"about reducing this down from 20"},{"speaker":"Andy Hart","startTime":1267.5,"endTime":1273.1599999999999,"body":"to 4000 I think this is a good"},{"speaker":"Andy Hart","startTime":1267.5,"endTime":1273.1599999999999,"body":"idea. But I suppose it is"},{"speaker":"Andy Hart","startTime":1273.1599999999999,"endTime":1277.3,"body":"forcing people's hands that have"},{"speaker":"Andy Hart","startTime":1273.1599999999999,"endTime":1277.3,"body":"traditionally been cash savers."},{"speaker":"Andy Hart","startTime":1278.26,"endTime":1282.58,"body":"Yes, the discussion is, will the"},{"speaker":"Andy Hart","startTime":1278.26,"endTime":1282.58,"body":"cash ISA be restricted to 4000"},{"speaker":"Andy Hart","startTime":1283.18,"endTime":1287.98,"body":"when the investment Isa will be"},{"speaker":"Andy Hart","startTime":1283.18,"endTime":1287.98,"body":"left alone at 20,000 Nicholas?"},{"speaker":"Nick Lincoln","startTime":1287.98,"endTime":1289.78,"body":"Well, we have"},{"speaker":"Nick Lincoln","startTime":1287.98,"endTime":1289.78,"body":"achieved the saver in a recent"},{"speaker":"Nick Lincoln","startTime":1289.78,"endTime":1292.0,"body":"episode, haven't we? We kind of"},{"speaker":"Nick Lincoln","startTime":1289.78,"endTime":1292.0,"body":"went through all the pros and"},{"speaker":"Nick Lincoln","startTime":1292.06,"endTime":1296.3999999999999,"body":"cons of it isn't naturally a"},{"speaker":"Nick Lincoln","startTime":1292.06,"endTime":1296.3999999999999,"body":"disastrous idea. And Mrs."},{"speaker":"Nick Lincoln","startTime":1296.3999999999999,"endTime":1299.1599999999999,"body":"Miggins, you know, Mrs. Miggins,"},{"speaker":"Nick Lincoln","startTime":1296.3999999999999,"endTime":1299.1599999999999,"body":"who maybe has never invested in"},{"speaker":"Nick Lincoln","startTime":1299.1599999999999,"endTime":1302.82,"body":"the stock market in their entire"},{"speaker":"Nick Lincoln","startTime":1299.1599999999999,"endTime":1302.82,"body":"life, is now 83 and got poultry"},{"speaker":"Nick Lincoln","startTime":1302.82,"endTime":1305.1,"body":"cash savings, and the cash is"},{"speaker":"Nick Lincoln","startTime":1302.82,"endTime":1305.1,"body":"now being told she's got to"},{"speaker":"Nick Lincoln","startTime":1305.1,"endTime":1307.62,"body":"stick it. It won't happen. All"},{"speaker":"Nick Lincoln","startTime":1305.1,"endTime":1307.62,"body":"people do is stick the money in"},{"speaker":"Nick Lincoln","startTime":1307.62,"endTime":1311.24,"body":"taxable savings accounts. Yeah."},{"speaker":"Nick Lincoln","startTime":1307.62,"endTime":1311.24,"body":"I mean, it's just correct. It's"},{"speaker":"Nick Lincoln","startTime":1311.24,"endTime":1314.48,"body":"just insanity on stilts. Just to"},{"speaker":"Nick Lincoln","startTime":1311.24,"endTime":1314.48,"body":"let you know, this is obviously"},{"speaker":"Nick Lincoln","startTime":1314.48,"endTime":1317.12,"body":"coming out on August the 17th,"},{"speaker":"Nick Lincoln","startTime":1314.48,"endTime":1317.12,"body":"and you know the results of the"},{"speaker":"Nick Lincoln","startTime":1317.12,"endTime":1318.98,"body":"match, but I know, for the three"},{"speaker":"Nick Lincoln","startTime":1317.12,"endTime":1318.98,"body":"of you very keen to know, the"},{"speaker":"Nick Lincoln","startTime":1318.98,"endTime":1322.28,"body":"Indian need 59 more runs to win"},{"speaker":"Nick Lincoln","startTime":1318.98,"endTime":1322.28,"body":"with two wickets remaining at"},{"speaker":"Nick Lincoln","startTime":1322.28,"endTime":1322.52,"body":"North"},{"speaker":"Andy Hart","startTime":1322.52,"endTime":1324.5,"body":"and I can't believe"},{"speaker":"Andy Hart","startTime":1322.52,"endTime":1324.5,"body":"it's three nil to the lions."},{"speaker":"Andy Hart","startTime":1324.5,"endTime":1326.96,"body":"It's been a staggering,"},{"speaker":"Andy Hart","startTime":1324.5,"endTime":1326.96,"body":"staggering month of sport."},{"speaker":"Nick Lincoln","startTime":1327.02,"endTime":1329.24,"body":"It's been"},{"speaker":"Nick Lincoln","startTime":1327.02,"endTime":1329.24,"body":"absolutely, absolutely what a"},{"speaker":"Nick Lincoln","startTime":1329.24,"endTime":1331.8999999999999,"body":"month of sport has been, right?"},{"speaker":"Nick Lincoln","startTime":1329.24,"endTime":1331.8999999999999,"body":"I'll be done with cash? Is Andy?"},{"speaker":"Nick Lincoln","startTime":1331.8999999999999,"endTime":1337.36,"body":"That was a Yeah, okay, right."},{"speaker":"Nick Lincoln","startTime":1331.8999999999999,"endTime":1337.36,"body":"Okay, another, another, Phoenix,"},{"speaker":"Nick Lincoln","startTime":1337.42,"endTime":1339.3999999999999,"body":"disaster, looking like Smithy."},{"speaker":"Nick Lincoln","startTime":1337.42,"endTime":1339.3999999999999,"body":"What?"},{"speaker":"Alan Smith","startTime":1339.7,"endTime":1342.8799999999999,"body":"Yeah. What do you"},{"speaker":"Alan Smith","startTime":1339.7,"endTime":1342.8799999999999,"body":"think about this? In the trade,"},{"speaker":"Alan Smith","startTime":1342.8799999999999,"endTime":1348.28,"body":"trade press this week collapsed"},{"speaker":"Alan Smith","startTime":1342.8799999999999,"endTime":1348.28,"body":"IFA director hired by national"},{"speaker":"Alan Smith","startTime":1348.28,"endTime":1354.06,"body":"firm despite 10 million pounds"},{"speaker":"Alan Smith","startTime":1348.28,"endTime":1354.06,"body":"FSCS, Bill. Story is Ken"},{"speaker":"Alan Smith","startTime":1354.06,"endTime":1357.24,"body":"Simpson, former director of"},{"speaker":"Alan Smith","startTime":1354.06,"endTime":1357.24,"body":"Glasgow based independent"},{"speaker":"Alan Smith","startTime":1357.24,"endTime":1360.96,"body":"benefit consultancy, which"},{"speaker":"Alan Smith","startTime":1357.24,"endTime":1360.96,"body":"collapsed in 2021 20, after"},{"speaker":"Alan Smith","startTime":1360.96,"endTime":1363.78,"body":"losing its Defined Benefit"},{"speaker":"Alan Smith","startTime":1360.96,"endTime":1363.78,"body":"Transfer permissions, went into"},{"speaker":"Alan Smith","startTime":1363.78,"endTime":1368.28,"body":"liquidation. Basically. Firm did"},{"speaker":"Alan Smith","startTime":1363.78,"endTime":1368.28,"body":"a ton of defined benefit pension"},{"speaker":"Alan Smith","startTime":1368.28,"endTime":1371.54,"body":"transfers, most of them ended up"},{"speaker":"Alan Smith","startTime":1368.28,"endTime":1371.54,"body":"in complaints. Most of the"},{"speaker":"Alan Smith","startTime":1371.54,"endTime":1375.8,"body":"complaints were upheld. Company"},{"speaker":"Alan Smith","startTime":1371.54,"endTime":1375.8,"body":"goes bust. Uh, compensation is"},{"speaker":"Alan Smith","startTime":1375.8,"endTime":1381.92,"body":"10 million pounds plus mugs. Who"},{"speaker":"Alan Smith","startTime":1375.8,"endTime":1381.92,"body":"fund the FSCS? Yep, write the"},{"speaker":"Alan Smith","startTime":1381.92,"endTime":1386.96,"body":"check to make sure the clients"},{"speaker":"Alan Smith","startTime":1381.92,"endTime":1386.96,"body":"are made good. Direct to company"},{"speaker":"Alan Smith","startTime":1387.3799999999999,"endTime":1390.82,"body":"joins another firm called"},{"speaker":"Alan Smith","startTime":1387.3799999999999,"endTime":1390.82,"body":"Westminster wealth, and he's"},{"speaker":"Alan Smith","startTime":1390.82,"endTime":1395.02,"body":"authorized and regulated and"},{"speaker":"Alan Smith","startTime":1390.82,"endTime":1395.02,"body":"back in business again. I mean,"},{"speaker":"Alan Smith","startTime":1395.44,"endTime":1396.28,"body":"would you make of that"},{"speaker":"Nick Lincoln","startTime":1397.48,"endTime":1399.94,"body":"it? Yeah, it"},{"speaker":"Nick Lincoln","startTime":1397.48,"endTime":1399.94,"body":"doesn't, doesn't. It doesn't sit"},{"speaker":"Nick Lincoln","startTime":1399.94,"endTime":1402.52,"body":"well with me, and I'm all for"},{"speaker":"Nick Lincoln","startTime":1399.94,"endTime":1402.52,"body":"giving people another chance,"},{"speaker":"Nick Lincoln","startTime":1402.52,"endTime":1403.54,"body":"but that's just"},{"speaker":"Alan Smith","startTime":1404.68,"endTime":1406.42,"body":"taking the piss."},{"speaker":"Alan Smith","startTime":1404.68,"endTime":1406.42,"body":"There's a thing called, what's"},{"speaker":"Alan Smith","startTime":1406.42,"endTime":1409.8999999999999,"body":"it? Called fit and proper fit,"},{"speaker":"Alan Smith","startTime":1406.42,"endTime":1409.8999999999999,"body":"and probably, I mean, God, how"},{"speaker":"Alan Smith","startTime":1409.8999999999999,"endTime":1413.3999999999999,"body":"we've all had to do things. We"},{"speaker":"Alan Smith","startTime":1409.8999999999999,"endTime":1413.3999999999999,"body":"got the stuff that we've got to"},{"speaker":"Alan Smith","startTime":1413.3999999999999,"endTime":1416.22,"body":"go through. You've got to make"},{"speaker":"Alan Smith","startTime":1413.3999999999999,"endTime":1416.22,"body":"sure him. You've got no, you've"},{"speaker":"Alan Smith","startTime":1416.22,"endTime":1419.34,"body":"got no, um, credit defaults."},{"speaker":"Alan Smith","startTime":1416.22,"endTime":1419.34,"body":"You've never drawn in your bank"},{"speaker":"Alan Smith","startTime":1419.34,"endTime":1422.1599999999999,"body":"statement. What do you call it?"},{"speaker":"Alan Smith","startTime":1419.34,"endTime":1422.1599999999999,"body":"Credit card bills, and what have"},{"speaker":"Alan Smith","startTime":1422.1599999999999,"endTime":1424.8,"body":"you? And I mean, we could throw"},{"speaker":"Alan Smith","startTime":1422.1599999999999,"endTime":1424.8,"body":"a whole lot of stuff. And"},{"speaker":"Alan Smith","startTime":1424.8,"endTime":1428.7,"body":"certainly, yeah, what was his"},{"speaker":"Alan Smith","startTime":1424.8,"endTime":1428.7,"body":"role in the firm? He was a"},{"speaker":"Alan Smith","startTime":1428.7,"endTime":1433.04,"body":"director of a firm which failed."},{"speaker":"Alan Smith","startTime":1428.7,"endTime":1433.04,"body":"He was a"},{"speaker":"Carl Widger","startTime":1435.2,"endTime":1437.06,"body":"former director."},{"speaker":"Alan Smith","startTime":1437.3,"endTime":1440.84,"body":"Yes, he was Ken"},{"speaker":"Alan Smith","startTime":1437.3,"endTime":1440.84,"body":"Simpson, IBC, yeah,"},{"speaker":"Carl Widger","startTime":1441.32,"endTime":1443.72,"body":"you see, they're"},{"speaker":"Carl Widger","startTime":1441.32,"endTime":1443.72,"body":"not going to approve at that guy"},{"speaker":"Carl Widger","startTime":1443.72,"endTime":1448.04,"body":"if he couldn't prove that he was"},{"speaker":"Carl Widger","startTime":1443.72,"endTime":1448.04,"body":"not a decision maker. I'm"},{"speaker":"Carl Widger","startTime":1448.04,"endTime":1448.46,"body":"surmising."},{"speaker":"Alan Smith","startTime":1448.46,"endTime":1450.8799999999999,"body":"Hang on if you're a"},{"speaker":"Alan Smith","startTime":1448.46,"endTime":1450.8799999999999,"body":"director of a limited company"},{"speaker":"Alan Smith","startTime":1450.8799999999999,"endTime":1454.0,"body":"authorized business by"},{"speaker":"Alan Smith","startTime":1450.8799999999999,"endTime":1454.0,"body":"definition, you're a decision"},{"speaker":"Alan Smith","startTime":1454.0,"endTime":1455.1399999999999,"body":"maker. Can I quote from"},{"speaker":"Nick Lincoln","startTime":1455.1399999999999,"endTime":1457.48,"body":"the article the"},{"speaker":"Nick Lincoln","startTime":1455.1399999999999,"endTime":1457.48,"body":"regulator says it will check"},{"speaker":"Nick Lincoln","startTime":1457.48,"endTime":1459.94,"body":"applicants for connections to"},{"speaker":"Nick Lincoln","startTime":1457.48,"endTime":1459.94,"body":"currently or previously"},{"speaker":"Nick Lincoln","startTime":1459.94,"endTime":1463.6599999999999,"body":"authorized firms and individuals"},{"speaker":"Nick Lincoln","startTime":1459.94,"endTime":1463.6599999999999,"body":"with past, existing or potential"},{"speaker":"Nick Lincoln","startTime":1463.6599999999999,"endTime":1466.96,"body":"redress liabilities during an"},{"speaker":"Nick Lincoln","startTime":1463.6599999999999,"endTime":1466.96,"body":"authorization process. However,"},{"speaker":"Nick Lincoln","startTime":1466.96,"endTime":1469.6599999999999,"body":"it's understood the FCA had no"},{"speaker":"Nick Lincoln","startTime":1466.96,"endTime":1469.6599999999999,"body":"involvement in authorizing"},{"speaker":"Nick Lincoln","startTime":1469.6599999999999,"endTime":1472.86,"body":"Simpson at Westminster wealth"},{"speaker":"Nick Lincoln","startTime":1469.6599999999999,"endTime":1472.86,"body":"and the firm was responsible for"},{"speaker":"Nick Lincoln","startTime":1472.86,"endTime":1475.8,"body":"conducting due diligence book"},{"speaker":"Nick Lincoln","startTime":1472.86,"endTime":1475.8,"body":"before authorizing him to be fit"},{"speaker":"Nick Lincoln","startTime":1475.8,"endTime":1477.42,"body":"and proper. Okay,"},{"speaker":"Alan Smith","startTime":1479.04,"endTime":1481.74,"body":"nowadays, okay,"},{"speaker":"Alan Smith","startTime":1479.04,"endTime":1481.74,"body":"isn't that? I mean, I'm out of"},{"speaker":"Alan Smith","startTime":1481.74,"endTime":1484.86,"body":"touch with the day to day"},{"speaker":"Alan Smith","startTime":1481.74,"endTime":1484.86,"body":"compliance reporting, but size"},{"speaker":"Alan Smith","startTime":1484.86,"endTime":1488.46,"body":"it down to the firm themselves"},{"speaker":"Alan Smith","startTime":1484.86,"endTime":1488.46,"body":"to sign them off as fit and"},{"speaker":"Alan Smith","startTime":1488.46,"endTime":1488.8799999999999,"body":"proper."},{"speaker":"Carl Widger","startTime":1488.94,"endTime":1490.08,"body":"That's what that"},{"speaker":"Carl Widger","startTime":1488.94,"endTime":1490.08,"body":"sounds like."},{"speaker":"Nick Lincoln","startTime":1490.08,"endTime":1491.84,"body":"Yeah, reading,"},{"speaker":"Nick Lincoln","startTime":1490.08,"endTime":1491.84,"body":"reading what I've just read"},{"speaker":"Nick Lincoln","startTime":1491.84,"endTime":1493.8799999999999,"body":"there. Yeah, exactly right,"},{"speaker":"Alan Smith","startTime":1494.84,"endTime":1497.18,"body":"yeah. Don't sign"},{"speaker":"Alan Smith","startTime":1494.84,"endTime":1497.18,"body":"them off on an individual basis."},{"speaker":"Alan Smith","startTime":1497.18,"endTime":1501.3799999999999,"body":"They see a director of this new"},{"speaker":"Alan Smith","startTime":1497.18,"endTime":1501.3799999999999,"body":"firm. No, I don't believe so. So"},{"speaker":"Alan Smith","startTime":1501.3799999999999,"endTime":1503.36,"body":"they just got, I mean, it's"},{"speaker":"Alan Smith","startTime":1501.3799999999999,"endTime":1503.36,"body":"obviously not a"},{"speaker":"Carl Widger","startTime":1503.36,"endTime":1505.82,"body":"controlled"},{"speaker":"Carl Widger","startTime":1503.36,"endTime":1505.82,"body":"function. Inverted commas"},{"speaker":"Carl Widger","startTime":1507.2,"endTime":1508.76,"body":"probably slipped through the"},{"speaker":"Alan Smith","startTime":1510.26,"endTime":1514.12,"body":"million pounds."},{"speaker":"Alan Smith","startTime":1510.26,"endTime":1514.12,"body":"That's not a small sum. How"},{"speaker":"Alan Smith","startTime":1514.12,"endTime":1514.6,"body":"many?"},{"speaker":"Nick Lincoln","startTime":1514.72,"endTime":1518.02,"body":"How much? How much"},{"speaker":"Nick Lincoln","startTime":1514.72,"endTime":1518.02,"body":"7207 complaints,"},{"speaker":"Alan Smith","startTime":1518.62,"endTime":1521.56,"body":"complaints. I mean,"},{"speaker":"Alan Smith","startTime":1518.62,"endTime":1521.56,"body":"we've talked about this before"},{"speaker":"Alan Smith","startTime":1522.04,"endTime":1525.1,"body":"that there's almost, you know, a"},{"speaker":"Alan Smith","startTime":1522.04,"endTime":1525.1,"body":"crime haze type thing in that,"},{"speaker":"Alan Smith","startTime":1525.34,"endTime":1527.44,"body":"if you look at that, I mean, I"},{"speaker":"Alan Smith","startTime":1525.34,"endTime":1527.44,"body":"don't know, but the amount of"},{"speaker":"Alan Smith","startTime":1527.44,"endTime":1529.96,"body":"revenue that firm would have"},{"speaker":"Alan Smith","startTime":1527.44,"endTime":1529.96,"body":"generated by doing these trials."},{"speaker":"Alan Smith","startTime":1530.04,"endTime":1532.56,"body":"Comes first, and then, yeah,"},{"speaker":"Alan Smith","startTime":1530.04,"endTime":1532.56,"body":"they close the business down."},{"speaker":"Alan Smith","startTime":1532.56,"endTime":1535.68,"body":"It's a classic Phoenix type of"},{"speaker":"Alan Smith","startTime":1532.56,"endTime":1535.68,"body":"operation. But the person, I"},{"speaker":"Alan Smith","startTime":1535.8,"endTime":1538.8,"body":"mean, I've got nothing against"},{"speaker":"Alan Smith","startTime":1535.8,"endTime":1538.8,"body":"the individual himself or the"},{"speaker":"Alan Smith","startTime":1538.8,"endTime":1541.86,"body":"people of the company, but this"},{"speaker":"Alan Smith","startTime":1538.8,"endTime":1541.86,"body":"is the system. The system"},{"speaker":"Alan Smith","startTime":1541.86,"endTime":1544.92,"body":"doesn't work because again,"},{"speaker":"Alan Smith","startTime":1541.86,"endTime":1544.92,"body":"what's to stop them doing it"},{"speaker":"Alan Smith","startTime":1544.92,"endTime":1547.2,"body":"again, or him doing it or"},{"speaker":"Alan Smith","startTime":1544.92,"endTime":1547.2,"body":"someone else doing it again?"},{"speaker":"Alan Smith","startTime":1547.2,"endTime":1550.1399999999999,"body":"Just end up carry on my job, and"},{"speaker":"Alan Smith","startTime":1547.2,"endTime":1550.1399999999999,"body":"I banked a few million quid of"},{"speaker":"Alan Smith","startTime":1596.52,"endTime":1597.1999999999998,"body":"commish,"},{"speaker":"Nick Lincoln","startTime":1597.3799999999999,"endTime":1599.54,"body":"and we're nuts."},{"speaker":"Nick Lincoln","startTime":1597.3799999999999,"endTime":1599.54,"body":"It's quite it's quite time,"},{"speaker":"Nick Lincoln","startTime":1599.54,"endTime":1601.58,"body":"because this is the month where"},{"speaker":"Nick Lincoln","startTime":1599.54,"endTime":1601.58,"body":"we were certainly, I think"},{"speaker":"Nick Lincoln","startTime":1601.58,"endTime":1604.82,"body":"everyone else gets there. We get"},{"speaker":"Nick Lincoln","startTime":1601.58,"endTime":1604.82,"body":"our FCA levies, including the"},{"speaker":"Nick Lincoln","startTime":1604.82,"endTime":1608.36,"body":"ombudsman. Part of the levy will"},{"speaker":"Nick Lincoln","startTime":1604.82,"endTime":1608.36,"body":"be coming out this month. And of"},{"speaker":"Nick Lincoln","startTime":1608.36,"endTime":1609.62,"body":"course, we pay for these people."},{"speaker":"Andy Hart","startTime":1610.1,"endTime":1612.3799999999999,"body":"We're petrified. We"},{"speaker":"Andy Hart","startTime":1610.1,"endTime":1612.3799999999999,"body":"don't give clients. So, you"},{"speaker":"Andy Hart","startTime":1612.3799999999999,"endTime":1614.06,"body":"know, an investment fact"},{"speaker":"Alan Smith","startTime":1614.06,"endTime":1616.1599999999999,"body":"sheet that we've"},{"speaker":"Alan Smith","startTime":1614.06,"endTime":1616.1599999999999,"body":"been looking after years,"},{"speaker":"Andy Hart","startTime":1617.2399999999998,"endTime":1619.78,"body":"rock up and just"},{"speaker":"Andy Hart","startTime":1617.2399999999998,"endTime":1619.78,"body":"cause absolute havoc. And then,"},{"speaker":"Andy Hart","startTime":1619.84,"endTime":1623.32,"body":"you know, rinse and repeat."},{"speaker":"Andy Hart","startTime":1619.84,"endTime":1623.32,"body":"Yeah? Phoenix, right. Bring"},{"speaker":"Nick Lincoln","startTime":1623.32,"endTime":1625.36,"body":"some Irish, bring"},{"speaker":"Nick Lincoln","startTime":1623.32,"endTime":1625.36,"body":"some Irish positivity with your"},{"speaker":"Nick Lincoln","startTime":1625.36,"endTime":1627.2199999999998,"body":"team culture. Yeah."},{"speaker":"Carl Widger","startTime":1627.28,"endTime":1629.8,"body":"Look, I just"},{"speaker":"Carl Widger","startTime":1627.28,"endTime":1629.8,"body":"thought, well, first of all,"},{"speaker":"Carl Widger","startTime":1629.9799999999998,"endTime":1633.2199999999998,"body":"before I start this, I want to"},{"speaker":"Carl Widger","startTime":1629.9799999999998,"endTime":1633.2199999999998,"body":"shout out to Patty Andrews, who"},{"speaker":"Carl Widger","startTime":1633.2199999999998,"endTime":1634.78,"body":"replaced me in the last episode."},{"speaker":"Alan Smith","startTime":1636.3999999999999,"endTime":1639.06,"body":"Yeah, I did in every"},{"speaker":"Alan Smith","startTime":1636.3999999999999,"endTime":1639.06,"body":"way."},{"speaker":"Carl Widger","startTime":1639.1799999999998,"endTime":1641.6399999999999,"body":"A lot, a lot of"},{"speaker":"Carl Widger","startTime":1639.1799999999998,"endTime":1641.6399999999999,"body":"people said that, oh, the ROB"},{"speaker":"Carl Widger","startTime":1641.6399999999999,"endTime":1645.06,"body":"Stevenson episode was amazing"},{"speaker":"Carl Widger","startTime":1641.6399999999999,"endTime":1645.06,"body":"because he replaced me. And then"},{"speaker":"Carl Widger","startTime":1645.06,"endTime":1647.6399999999999,"body":"the amount of people who said,"},{"speaker":"Carl Widger","startTime":1645.06,"endTime":1647.6399999999999,"body":"Geez, Patty was really good on"},{"speaker":"Carl Widger","startTime":1647.6399999999999,"endTime":1652.1999999999998,"body":"track. He's much more level head"},{"speaker":"Carl Widger","startTime":1647.6399999999999,"endTime":1652.1999999999998,"body":"of the new cars. I'm less"},{"speaker":"Carl Widger","startTime":1652.1999999999998,"endTime":1653.1599999999999,"body":"controversial. So Paul,"},{"speaker":"Alan Smith","startTime":1653.1599999999999,"endTime":1656.9599999999998,"body":"if you want to take"},{"speaker":"Alan Smith","startTime":1653.1599999999999,"endTime":1656.9599999999998,"body":"another holiday, anytime you"},{"speaker":"Alan Smith","startTime":1656.9599999999998,"endTime":1657.4399999999998,"body":"are, Don't"},{"speaker":"Nick Lincoln","startTime":1657.4399999999998,"endTime":1659.12,"body":"encourage him. But"},{"speaker":"Nick Lincoln","startTime":1657.4399999999998,"endTime":1659.12,"body":"I look,"},{"speaker":"Carl Widger","startTime":1659.12,"endTime":1662.06,"body":"I just thought,"},{"speaker":"Carl Widger","startTime":1659.12,"endTime":1662.06,"body":"middle of the year, we've kind"},{"speaker":"Carl Widger","startTime":1662.06,"endTime":1666.56,"body":"of lots of Team stuff going on."},{"speaker":"Carl Widger","startTime":1662.06,"endTime":1666.56,"body":"We've kind of, we're going to be"},{"speaker":"Carl Widger","startTime":1666.56,"endTime":1669.1399999999999,"body":"talking about client engagement"},{"speaker":"Carl Widger","startTime":1666.56,"endTime":1669.1399999999999,"body":"later on, so we've a lot of"},{"speaker":"Carl Widger","startTime":1669.1399999999999,"endTime":1672.9199999999998,"body":"client activities and that kind"},{"speaker":"Carl Widger","startTime":1669.1399999999999,"endTime":1672.9199999999998,"body":"of stuff. We also surpassed a"},{"speaker":"Carl Widger","startTime":1672.9799999999998,"endTime":1676.58,"body":"milestone number in terms of"},{"speaker":"Carl Widger","startTime":1672.9799999999998,"endTime":1676.58,"body":"assets under management at"},{"speaker":"Carl Widger","startTime":1676.58,"endTime":1679.9599999999998,"body":"Metis. And I just, I've been"},{"speaker":"Carl Widger","startTime":1676.58,"endTime":1679.9599999999998,"body":"reflecting the last few weeks,"},{"speaker":"Carl Widger","startTime":1679.9599999999998,"endTime":1687.34,"body":"because I've been away a bit as"},{"speaker":"Carl Widger","startTime":1679.9599999999998,"endTime":1687.34,"body":"Nick keeps telling me, I"},{"speaker":"Carl Widger","startTime":1687.34,"endTime":1691.4199999999998,"body":"genuinely think, after all, this"},{"speaker":"Carl Widger","startTime":1687.34,"endTime":1691.4199999999998,"body":"is this, this, this podcast is"},{"speaker":"Carl Widger","startTime":1691.4199999999998,"endTime":1696.1,"body":"aimed at financial advisory"},{"speaker":"Carl Widger","startTime":1691.4199999999998,"endTime":1696.1,"body":"firms. You know, it is just so,"},{"speaker":"Carl Widger","startTime":1696.1599999999999,"endTime":1701.82,"body":"so important for you to"},{"speaker":"Carl Widger","startTime":1696.1599999999999,"endTime":1701.82,"body":"construct a team of people"},{"speaker":"Carl Widger","startTime":1701.82,"endTime":1705.36,"body":"around you, who you who you"},{"speaker":"Carl Widger","startTime":1701.82,"endTime":1705.36,"body":"know, who you like, who you"},{"speaker":"Carl Widger","startTime":1705.36,"endTime":1708.7199999999998,"body":"trust, and then get out of their"},{"speaker":"Carl Widger","startTime":1705.36,"endTime":1708.7199999999998,"body":"way. And I suppose that that's"},{"speaker":"Carl Widger","startTime":1708.7199999999998,"endTime":1712.4399999999998,"body":"one of the things that when I"},{"speaker":"Carl Widger","startTime":1708.7199999999998,"endTime":1712.4399999999998,"body":"started my business, I actually"},{"speaker":"Carl Widger","startTime":1712.4399999999998,"endTime":1715.1399999999999,"body":"wasn't able to get out of their"},{"speaker":"Carl Widger","startTime":1712.4399999999998,"endTime":1715.1399999999999,"body":"way, because it was like, this"},{"speaker":"Carl Widger","startTime":1715.1399999999999,"endTime":1718.1599999999999,"body":"is this is the way we do it"},{"speaker":"Carl Widger","startTime":1715.1399999999999,"endTime":1718.1599999999999,"body":"here, and that's it. But I've"},{"speaker":"Carl Widger","startTime":1718.1599999999999,"endTime":1723.02,"body":"learned over the years, through"},{"speaker":"Carl Widger","startTime":1718.1599999999999,"endTime":1723.02,"body":"mistakes, frankly, that my job"},{"speaker":"Carl Widger","startTime":1723.02,"endTime":1727.76,"body":"really is to create an"},{"speaker":"Carl Widger","startTime":1723.02,"endTime":1727.76,"body":"environment where, as I always"},{"speaker":"Carl Widger","startTime":1727.76,"endTime":1730.82,"body":"say, this is a bit of a puke"},{"speaker":"Carl Widger","startTime":1727.76,"endTime":1730.82,"body":"statement, but I repeat it a"},{"speaker":"Carl Widger","startTime":1730.82,"endTime":1735.5,"body":"lot, and I do, I do genuinely,"},{"speaker":"Carl Widger","startTime":1730.82,"endTime":1735.5,"body":"genuinely mean it. My job is to"},{"speaker":"Carl Widger","startTime":1735.5,"endTime":1739.9599999999998,"body":"create an environment where high"},{"speaker":"Carl Widger","startTime":1735.5,"endTime":1739.9599999999998,"body":"perform performers can perform"},{"speaker":"Carl Widger","startTime":1740.02,"endTime":1744.4599999999998,"body":"highly, because there's no point"},{"speaker":"Carl Widger","startTime":1740.02,"endTime":1744.4599999999998,"body":"in getting these people in and"},{"speaker":"Carl Widger","startTime":1744.58,"endTime":1749.26,"body":"then telling them what to do and"},{"speaker":"Carl Widger","startTime":1744.58,"endTime":1749.26,"body":"like at matters. Now we have so"},{"speaker":"Carl Widger","startTime":1749.26,"endTime":1751.6599999999999,"body":"there's so much stuff happening,"},{"speaker":"Carl Widger","startTime":1749.26,"endTime":1751.6599999999999,"body":"and people are doing so many"},{"speaker":"Carl Widger","startTime":1751.6599999999999,"endTime":1755.4399999999998,"body":"things, you know, to try and"},{"speaker":"Carl Widger","startTime":1751.6599999999999,"endTime":1755.4399999999998,"body":"engage with our clients, you"},{"speaker":"Carl Widger","startTime":1755.4399999999998,"endTime":1760.26,"body":"know, to build that trust, to be"},{"speaker":"Carl Widger","startTime":1755.4399999999998,"endTime":1760.26,"body":"that reliable partner. I"},{"speaker":"Carl Widger","startTime":1760.26,"endTime":1763.4399999999998,"body":"actually don't know some of the"},{"speaker":"Carl Widger","startTime":1760.26,"endTime":1763.4399999999998,"body":"stuff that's happening, so I"},{"speaker":"Carl Widger","startTime":1763.4399999999998,"endTime":1766.9199999999998,"body":"just, I would urge everybody,"},{"speaker":"Carl Widger","startTime":1763.4399999999998,"endTime":1766.9199999999998,"body":"you know, no matter how many"},{"speaker":"Carl Widger","startTime":1767.58,"endTime":1770.4599999999998,"body":"people you have with you on your"},{"speaker":"Carl Widger","startTime":1767.58,"endTime":1770.4599999999998,"body":"team, and if you, if you're you"},{"speaker":"Carl Widger","startTime":1770.4599999999998,"endTime":1774.8999999999999,"body":"have ambitions to grow, it's to"},{"speaker":"Carl Widger","startTime":1770.4599999999998,"endTime":1774.8999999999999,"body":"create a culture where you can"},{"speaker":"Carl Widger","startTime":1774.8999999999999,"endTime":1778.4599999999998,"body":"just, you know, set the"},{"speaker":"Carl Widger","startTime":1774.8999999999999,"endTime":1778.4599999999998,"body":"foundations, and then get out of"},{"speaker":"Carl Widger","startTime":1778.4599999999998,"endTime":1780.86,"body":"everybody's way. And I think,"},{"speaker":"Carl Widger","startTime":1778.4599999999998,"endTime":1780.86,"body":"look, middle of the year, it's a"},{"speaker":"Carl Widger","startTime":1780.86,"endTime":1785.78,"body":"nice time to say thank you to"},{"speaker":"Carl Widger","startTime":1780.86,"endTime":1785.78,"body":"your teammates. You know, maybe"},{"speaker":"Carl Widger","startTime":1785.78,"endTime":1788.6599999999999,"body":"go for a few beers. Have a"},{"speaker":"Carl Widger","startTime":1785.78,"endTime":1788.6599999999999,"body":"barbecue. These things do"},{"speaker":"Carl Widger","startTime":1788.7199999999998,"endTime":1793.6399999999999,"body":"matter. And when the sun is"},{"speaker":"Carl Widger","startTime":1788.7199999999998,"endTime":1793.6399999999999,"body":"shining, which it is in Ireland"},{"speaker":"Carl Widger","startTime":1793.6399999999999,"endTime":1797.1399999999999,"body":"at the moment, for the last"},{"speaker":"Carl Widger","startTime":1793.6399999999999,"endTime":1797.1399999999999,"body":"while, which is amazing, take a"},{"speaker":"Carl Widger","startTime":1797.26,"endTime":1800.02,"body":"breather. Just take a take a"},{"speaker":"Carl Widger","startTime":1797.26,"endTime":1800.02,"body":"couple of breaths. Remind"},{"speaker":"Carl Widger","startTime":1800.02,"endTime":1803.7399999999998,"body":"yourselves as to where you've"},{"speaker":"Carl Widger","startTime":1800.02,"endTime":1803.7399999999998,"body":"come, where you've come from,"},{"speaker":"Carl Widger","startTime":1803.7399999999998,"endTime":1807.3999999999999,"body":"and where where you are at. And"},{"speaker":"Carl Widger","startTime":1803.7399999999998,"endTime":1807.3999999999999,"body":"then, you know, set your set"},{"speaker":"Carl Widger","startTime":1807.3999999999999,"endTime":1810.6399999999999,"body":"your big goals, set your big"},{"speaker":"Carl Widger","startTime":1807.3999999999999,"endTime":1810.6399999999999,"body":"targets, and go on and drive"},{"speaker":"Carl Widger","startTime":1810.6399999999999,"endTime":1813.1599999999999,"body":"them on, because there's a lot"},{"speaker":"Carl Widger","startTime":1810.6399999999999,"endTime":1813.1599999999999,"body":"of business out there for"},{"speaker":"Carl Widger","startTime":1813.2199999999998,"endTime":1816.9599999999998,"body":"everybody. If you do it right,"},{"speaker":"Carl Widger","startTime":1813.2199999999998,"endTime":1816.9599999999998,"body":"your firm will flourish, I"},{"speaker":"Carl Widger","startTime":1816.9599999999998,"endTime":1821.9399999999998,"body":"promise you, but you need the"},{"speaker":"Carl Widger","startTime":1816.9599999999998,"endTime":1821.9399999999998,"body":"right people beside you. You're"},{"speaker":"Carl Widger","startTime":1821.9399999999998,"endTime":1823.6799999999998,"body":"amused. Agreed"},{"speaker":"Alan Smith","startTime":1826.62,"endTime":1831.6,"body":"it wasn't working."},{"speaker":"Alan Smith","startTime":1826.62,"endTime":1831.6,"body":"Then I said, Okay, I'm just"},{"speaker":"Alan Smith","startTime":1831.6,"endTime":1834.7199999999998,"body":"saying, Well, Said, Carl,"},{"speaker":"Alan Smith","startTime":1831.6,"endTime":1834.7199999999998,"body":"there's. I was just sort of"},{"speaker":"Alan Smith","startTime":1834.7199999999998,"endTime":1838.28,"body":"tuning into what you what you"},{"speaker":"Alan Smith","startTime":1834.7199999999998,"endTime":1838.28,"body":"say there is, there's such a"},{"speaker":"Alan Smith","startTime":1838.28,"endTime":1842.06,"body":"great feeling when, when you"},{"speaker":"Alan Smith","startTime":1838.28,"endTime":1842.06,"body":"start a business, and then"},{"speaker":"Alan Smith","startTime":1842.06,"endTime":1845.1799999999998,"body":"you've sort of Fast forward a"},{"speaker":"Alan Smith","startTime":1842.06,"endTime":1845.1799999999998,"body":"few years later. And I remember"},{"speaker":"Alan Smith","startTime":1845.1799999999998,"endTime":1848.7199999999998,"body":"doing this a couple of years"},{"speaker":"Alan Smith","startTime":1845.1799999999998,"endTime":1848.7199999999998,"body":"ago, and I just came in to the"},{"speaker":"Alan Smith","startTime":1848.7199999999998,"endTime":1850.8799999999999,"body":"office, and it was, there was"},{"speaker":"Alan Smith","startTime":1848.7199999999998,"endTime":1850.8799999999999,"body":"about three or four meeting"},{"speaker":"Alan Smith","startTime":1850.8799999999999,"endTime":1853.34,"body":"rooms I could see into them, and"},{"speaker":"Alan Smith","startTime":1850.8799999999999,"endTime":1853.34,"body":"they were all busy. There was"},{"speaker":"Alan Smith","startTime":1853.34,"endTime":1855.8,"body":"people doing stuff, and I had no"},{"speaker":"Alan Smith","startTime":1853.34,"endTime":1855.8,"body":"idea what they were doing. I"},{"speaker":"Alan Smith","startTime":1855.8,"endTime":1858.28,"body":"didn't even know some of the"},{"speaker":"Alan Smith","startTime":1855.8,"endTime":1858.28,"body":"people that were in the rooms,"},{"speaker":"Alan Smith","startTime":1858.6399999999999,"endTime":1861.28,"body":"but I thought they're all coming"},{"speaker":"Alan Smith","startTime":1858.6399999999999,"endTime":1861.28,"body":"up with their ideas and their"},{"speaker":"Alan Smith","startTime":1861.34,"endTime":1863.7399999999998,"body":"sort of, whatever they're doing,"},{"speaker":"Alan Smith","startTime":1861.34,"endTime":1863.7399999999998,"body":"they're meeting clients and"},{"speaker":"Alan Smith","startTime":1863.7399999999998,"endTime":1866.4399999999998,"body":"meeting providers, whatever it"},{"speaker":"Alan Smith","startTime":1863.7399999999998,"endTime":1866.4399999999998,"body":"was, and it was the place was"},{"speaker":"Alan Smith","startTime":1866.4399999999998,"endTime":1867.1,"body":"buzzing, and you're"},{"speaker":"Nick Lincoln","startTime":1867.1,"endTime":1869.5,"body":"talking about you,"},{"speaker":"Nick Lincoln","startTime":1867.1,"endTime":1869.5,"body":"yeah, probably, yeah. He's"},{"speaker":"Andy Hart","startTime":1869.9799999999998,"endTime":1872.26,"body":"got an insides out"},{"speaker":"Andy Hart","startTime":1869.9799999999998,"endTime":1872.26,"body":"his life there. Yeah, that's"},{"speaker":"Andy Hart","startTime":1872.26,"endTime":1874.4799999999998,"body":"what companies going on. Who's"},{"speaker":"Andy Hart","startTime":1872.26,"endTime":1874.4799999999998,"body":"there? What's going on,"},{"speaker":"Nick Lincoln","startTime":1874.54,"endTime":1877.02,"body":"even his"},{"speaker":"Nick Lincoln","startTime":1874.54,"endTime":1877.02,"body":"companies. No, he. Is this guy"},{"speaker":"Nick Lincoln","startTime":1877.02,"endTime":1877.5,"body":"coming in?"},{"speaker":"Alan Smith","startTime":1878.76,"endTime":1881.04,"body":"Well, yeah. But the"},{"speaker":"Alan Smith","startTime":1878.76,"endTime":1881.04,"body":"point being, you get out of"},{"speaker":"Alan Smith","startTime":1881.04,"endTime":1884.1599999999999,"body":"their way instead of Yeah,"},{"speaker":"Alan Smith","startTime":1881.04,"endTime":1884.1599999999999,"body":"instead of meddling. I did a"},{"speaker":"Alan Smith","startTime":1884.52,"endTime":1887.2199999999998,"body":"LinkedIn post a few weeks ago"},{"speaker":"Alan Smith","startTime":1884.52,"endTime":1887.2199999999998,"body":"after one of our team meetings"},{"speaker":"Alan Smith","startTime":1887.2199999999998,"endTime":1890.04,"body":"when some people were presenting"},{"speaker":"Alan Smith","startTime":1887.2199999999998,"endTime":1890.04,"body":"things that I didn't have any"},{"speaker":"Alan Smith","startTime":1890.04,"endTime":1892.56,"body":"idea what they would that would"},{"speaker":"Alan Smith","startTime":1890.04,"endTime":1892.56,"body":"be had been working on it, they"},{"speaker":"Alan Smith","startTime":1892.56,"endTime":1895.5,"body":"prevent presented it as a sort"},{"speaker":"Alan Smith","startTime":1892.56,"endTime":1895.5,"body":"of a completed project. I was"},{"speaker":"Alan Smith","startTime":1895.5,"endTime":1898.34,"body":"going, wow. And I like this"},{"speaker":"Alan Smith","startTime":1895.5,"endTime":1898.34,"body":"phrase. Don't know where I stole"},{"speaker":"Alan Smith","startTime":1898.34,"endTime":1900.9799999999998,"body":"it from, but I stole it from"},{"speaker":"Alan Smith","startTime":1898.34,"endTime":1900.9799999999998,"body":"somewhere that you want to hire"},{"speaker":"Alan Smith","startTime":1901.1599999999999,"endTime":1904.1599999999999,"body":"missionaries, not mercenaries."},{"speaker":"Alan Smith","startTime":1901.1599999999999,"endTime":1904.1599999999999,"body":"These people are missionaries."},{"speaker":"Alan Smith","startTime":1904.1599999999999,"endTime":1906.26,"body":"They get that. They get the"},{"speaker":"Alan Smith","startTime":1904.1599999999999,"endTime":1906.26,"body":"plan. They get what they"},{"speaker":"Alan Smith","startTime":1906.26,"endTime":1909.02,"body":"understand, the vision, and"},{"speaker":"Alan Smith","startTime":1906.26,"endTime":1909.02,"body":"they're on the road to achieving"},{"speaker":"Alan Smith","startTime":1909.02,"endTime":1912.5,"body":"that. Versus and I have hired"},{"speaker":"Alan Smith","startTime":1909.02,"endTime":1912.5,"body":"people like this in the past,"},{"speaker":"Alan Smith","startTime":1912.56,"endTime":1915.26,"body":"mercenaries that will go down"},{"speaker":"Alan Smith","startTime":1912.56,"endTime":1915.26,"body":"the road if someone gives them"},{"speaker":"Alan Smith","startTime":1915.26,"endTime":1917.56,"body":"throttens hate me, higher salary"},{"speaker":"Alan Smith","startTime":1915.26,"endTime":1917.56,"body":"or something like that. You"},{"speaker":"Alan Smith","startTime":1918.1599999999999,"endTime":1920.5,"body":"don't need people like that in"},{"speaker":"Alan Smith","startTime":1918.1599999999999,"endTime":1920.5,"body":"your business. You can build a"},{"speaker":"Alan Smith","startTime":1920.5,"endTime":1923.26,"body":"fantastic team, like you've done"},{"speaker":"Alan Smith","startTime":1920.5,"endTime":1923.26,"body":"it matters, a team of"},{"speaker":"Alan Smith","startTime":1923.4399999999998,"endTime":1926.08,"body":"missionaries on the way. Just"},{"speaker":"Alan Smith","startTime":1923.4399999999998,"endTime":1926.08,"body":"believe, believe in the project,"},{"speaker":"Alan Smith","startTime":1926.08,"endTime":1928.6599999999999,"body":"believe in the vision, and want"},{"speaker":"Alan Smith","startTime":1926.08,"endTime":1928.6599999999999,"body":"to deliver that to their clients"},{"speaker":"Alan Smith","startTime":1928.6599999999999,"endTime":1931.7199999999998,"body":"and to their colleagues. So well"},{"speaker":"Alan Smith","startTime":1928.6599999999999,"endTime":1931.7199999999998,"body":"done. Carl, great news worth"},{"speaker":"Alan Smith","startTime":1932.08,"endTime":1932.32,"body":"saying."},{"speaker":"Carl Widger","startTime":1933.3999999999999,"endTime":1936.7199999999998,"body":"Look for me to take"},{"speaker":"Carl Widger","startTime":1933.3999999999999,"endTime":1936.7199999999998,"body":"this moment and even to just"},{"speaker":"Carl Widger","startTime":1936.7199999999998,"endTime":1940.5,"body":"take a moment and say it today"},{"speaker":"Carl Widger","startTime":1936.7199999999998,"endTime":1940.5,"body":"is that's, that's, that's"},{"speaker":"Carl Widger","startTime":1940.5,"endTime":1943.02,"body":"learning from me, because I was"},{"speaker":"Carl Widger","startTime":1940.5,"endTime":1943.02,"body":"always right, what's next?"},{"speaker":"Carl Widger","startTime":1943.02,"endTime":1945.36,"body":"What's next? It's like, and I've"},{"speaker":"Carl Widger","startTime":1943.02,"endTime":1945.36,"body":"been sitting back, and I've been"},{"speaker":"Carl Widger","startTime":1945.36,"endTime":1949.08,"body":"going, we've a few things. We"},{"speaker":"Carl Widger","startTime":1945.36,"endTime":1949.08,"body":"Declan king and his wife, Lorna,"},{"speaker":"Carl Widger","startTime":1949.32,"endTime":1952.32,"body":"welcomed a new baby, and we all"},{"speaker":"Carl Widger","startTime":1949.32,"endTime":1952.32,"body":"celebrated like, you know, it's"},{"speaker":"Carl Widger","startTime":1952.32,"endTime":1956.36,"body":"like, new person in the family."},{"speaker":"Carl Widger","startTime":1952.32,"endTime":1956.36,"body":"It's like, amazing. We were at a"},{"speaker":"Carl Widger","startTime":1956.36,"endTime":1960.86,"body":"wedding on O'Brien got married"},{"speaker":"Carl Widger","startTime":1956.36,"endTime":1960.86,"body":"last weekend. It's like, this is"},{"speaker":"Carl Widger","startTime":1960.86,"endTime":1964.9399999999998,"body":"class, like, I'm just, you know,"},{"speaker":"Carl Widger","startTime":1960.86,"endTime":1964.9399999999998,"body":"I'm genuinely getting a warm,"},{"speaker":"Carl Widger","startTime":1964.9399999999998,"endTime":1967.6999999999998,"body":"fuzzy feeling from the whole"},{"speaker":"Carl Widger","startTime":1964.9399999999998,"endTime":1967.6999999999998,"body":"thing. It's just, it's really,"},{"speaker":"Carl Widger","startTime":1967.6999999999998,"endTime":1971.3,"body":"really, really cool, but you"},{"speaker":"Carl Widger","startTime":1967.6999999999998,"endTime":1971.3,"body":"have to work really hard and"},{"speaker":"Carl Widger","startTime":1971.3,"endTime":1974.9599999999998,"body":"looking after your people, you"},{"speaker":"Carl Widger","startTime":1971.3,"endTime":1974.9599999999998,"body":"know, you really do. And that's"},{"speaker":"Carl Widger","startTime":1974.9599999999998,"endTime":1980.8,"body":"what I that's my that's my job,"},{"speaker":"Carl Widger","startTime":1974.9599999999998,"endTime":1980.8,"body":"and it's so far so good at the"},{"speaker":"Carl Widger","startTime":1980.8,"endTime":1984.8799999999999,"body":"moment, I'm probably making bags"},{"speaker":"Carl Widger","startTime":1980.8,"endTime":1984.8799999999999,"body":"of a no over the next couple of"},{"speaker":"Carl Widger","startTime":1984.8799999999999,"endTime":1989.1999999999998,"body":"months. Reversion to the mean."},{"speaker":"Carl Widger","startTime":1984.8799999999999,"endTime":1989.1999999999998,"body":"Yeah, exactly, Andy, exactly."},{"speaker":"Carl Widger","startTime":1989.86,"endTime":1992.62,"body":"No. All good at the moment,"},{"speaker":"Carl Widger","startTime":1989.86,"endTime":1992.62,"body":"really, really loving it. And"},{"speaker":"Carl Widger","startTime":1992.6799999999998,"endTime":1995.6799999999998,"body":"just to go into the office and"},{"speaker":"Carl Widger","startTime":1992.6799999999998,"endTime":1995.6799999999998,"body":"be inspired by people is, well,"},{"speaker":"Carl Widger","startTime":1995.6799999999998,"endTime":1997.26,"body":"that's bloody inspiring. It"},{"speaker":"Carl Widger","startTime":1995.6799999999998,"endTime":1997.26,"body":"really"},{"speaker":"Alan Smith","startTime":1998.1,"endTime":2000.1399999999999,"body":"is getting touchy."},{"speaker":"Alan Smith","startTime":1998.1,"endTime":2000.1399999999999,"body":"Good stuff."},{"speaker":"Nick Lincoln","startTime":2003.26,"endTime":2005.3,"body":"It's all a bit"},{"speaker":"Nick Lincoln","startTime":2003.26,"endTime":2005.3,"body":"fluffy. I was hovering over"},{"speaker":"Nick Lincoln","startTime":2005.3,"endTime":2005.6599999999999,"body":"Kumbaya."},{"speaker":"Alan Smith","startTime":2007.34,"endTime":2011.0,"body":"Hold there for a"},{"speaker":"Alan Smith","startTime":2007.34,"endTime":2011.0,"body":"moment, an entry point in a"},{"speaker":"Alan Smith","startTime":2011.06,"endTime":2012.6799999999998,"body":"little while. I did. I do"},{"speaker":"Nick Lincoln","startTime":2013.58,"endTime":2016.1,"body":"appreciate that I"},{"speaker":"Nick Lincoln","startTime":2013.58,"endTime":2016.1,"body":"must have when I come into my"},{"speaker":"Nick Lincoln","startTime":2016.2199999999998,"endTime":2019.0,"body":"office here. Look around the"},{"speaker":"Nick Lincoln","startTime":2016.2199999999998,"endTime":2019.0,"body":"team I I realize I'm in the"},{"speaker":"Nick Lincoln","startTime":2019.0,"endTime":2021.1,"body":"wrong building. Andy,"},{"speaker":"Andy Hart","startTime":2022.9599999999998,"endTime":2025.54,"body":"next up, talk about"},{"speaker":"Andy Hart","startTime":2022.9599999999998,"endTime":2025.54,"body":"reversion to the mean. This is a"},{"speaker":"Andy Hart","startTime":2025.54,"endTime":2028.3,"body":"website I have spoken about"},{"speaker":"Andy Hart","startTime":2025.54,"endTime":2028.3,"body":"before, and I do get his weekly"},{"speaker":"Andy Hart","startTime":2028.3,"endTime":2031.54,"body":"emails. I think they're decent."},{"speaker":"Andy Hart","startTime":2028.3,"endTime":2031.54,"body":"It's a guy called novel"},{"speaker":"Andy Hart","startTime":2031.54,"endTime":2035.6799999999998,"body":"investor. The website is"},{"speaker":"Andy Hart","startTime":2031.54,"endTime":2035.6799999999998,"body":"novelinvestor.com obviously,"},{"speaker":"Andy Hart","startTime":2035.6799999999998,"endTime":2038.28,"body":"we're, you know, trying to be"},{"speaker":"Andy Hart","startTime":2035.6799999999998,"endTime":2038.28,"body":"big picture clients, long term,"},{"speaker":"Andy Hart","startTime":2038.28,"endTime":2042.06,"body":"etc. But every so often I don't"},{"speaker":"Andy Hart","startTime":2038.28,"endTime":2042.06,"body":"mind diving into the detail,"},{"speaker":"Andy Hart","startTime":2042.06,"endTime":2048.9,"body":"into the weeds, and he produces"},{"speaker":"Andy Hart","startTime":2042.06,"endTime":2048.9,"body":"a q2, half year of 2025, what"},{"speaker":"Andy Hart","startTime":2048.9,"endTime":2053.1,"body":"are the best performing sectors,"},{"speaker":"Andy Hart","startTime":2048.9,"endTime":2053.1,"body":"countries, and a few other"},{"speaker":"Andy Hart","startTime":2053.1,"endTime":2057.02,"body":"things. So I'll just mention a"},{"speaker":"Andy Hart","startTime":2053.1,"endTime":2057.02,"body":"couple of the highlights, or low"},{"speaker":"Andy Hart","startTime":2057.02,"endTime":2061.46,"body":"lights, depending on how you see"},{"speaker":"Andy Hart","startTime":2057.02,"endTime":2061.46,"body":"it the best performing sector"},{"speaker":"Andy Hart","startTime":2061.52,"endTime":2065.18,"body":"with the industrial sector,"},{"speaker":"Andy Hart","startTime":2061.52,"endTime":2065.18,"body":"followed by communication"},{"speaker":"Andy Hart","startTime":2065.18,"endTime":2067.28,"body":"services, utilities. Anyway,"},{"speaker":"Andy Hart","startTime":2065.18,"endTime":2067.28,"body":"I'll give you the best"},{"speaker":"Andy Hart","startTime":2067.28,"endTime":2070.7,"body":"performing top five best"},{"speaker":"Andy Hart","startTime":2067.28,"endTime":2070.7,"body":"performing countries in the"},{"speaker":"Andy Hart","startTime":2070.7,"endTime":2074.6,"body":"developed world. Spain was"},{"speaker":"Andy Hart","startTime":2070.7,"endTime":2074.6,"body":"number one, followed by Austria,"},{"speaker":"Andy Hart","startTime":2074.96,"endTime":2080.98,"body":"Italy, Ireland, Germany. So"},{"speaker":"Andy Hart","startTime":2074.96,"endTime":2080.98,"body":"Ireland stock market did 35% in"},{"speaker":"Andy Hart","startTime":2080.98,"endTime":2083.5,"body":"the first half of the year. Have"},{"speaker":"Andy Hart","startTime":2080.98,"endTime":2083.5,"body":"you? Are you feeling that on the"},{"speaker":"Andy Hart","startTime":2083.5,"endTime":2085.96,"body":"ground call I know."},{"speaker":"Carl Widger","startTime":2086.38,"endTime":2090.4,"body":"I don't know how"},{"speaker":"Carl Widger","startTime":2086.38,"endTime":2090.4,"body":"many ways I can say we are"},{"speaker":"Carl Widger","startTime":2090.46,"endTime":2091.3,"body":"you're flying"},{"speaker":"Andy Hart","startTime":2091.3,"endTime":2094.84,"body":"at the moment, every"},{"speaker":"Andy Hart","startTime":2091.3,"endTime":2094.84,"body":"list I see is freaking Island."},{"speaker":"Andy Hart","startTime":2095.02,"endTime":2097.92,"body":"Yeah. Okay, moving on to the"},{"speaker":"Andy Hart","startTime":2095.02,"endTime":2097.92,"body":"eMERGE, again, reversion to the"},{"speaker":"Andy Hart","startTime":2097.92,"endTime":2100.86,"body":"means. And emerging markets have"},{"speaker":"Andy Hart","startTime":2097.92,"endTime":2100.86,"body":"had a bit of a storm in 2025"},{"speaker":"Andy Hart","startTime":2101.58,"endTime":2106.26,"body":"versus the US, which, again, on"},{"speaker":"Andy Hart","startTime":2101.58,"endTime":2106.26,"body":"the portfolios we look off. I do"},{"speaker":"Andy Hart","startTime":2106.26,"endTime":2109.8,"body":"have tilts to emerging markets"},{"speaker":"Andy Hart","startTime":2106.26,"endTime":2109.8,"body":"quite heavily. So when this"},{"speaker":"Andy Hart","startTime":2109.8,"endTime":2113.22,"body":"happens, I am pleased I'm"},{"speaker":"Andy Hart","startTime":2109.8,"endTime":2113.22,"body":"creating more wealth for my"},{"speaker":"Andy Hart","startTime":2113.22,"endTime":2115.74,"body":"clients as part of the plan."},{"speaker":"Andy Hart","startTime":2113.22,"endTime":2115.74,"body":"Anyway, Greece is the top"},{"speaker":"Andy Hart","startTime":2115.74,"endTime":2120.5,"body":"performing country in the whole"},{"speaker":"Andy Hart","startTime":2115.74,"endTime":2120.5,"body":"world, up until only the first"},{"speaker":"Andy Hart","startTime":2120.5,"endTime":2122.42,"body":"six months, I've done 60%"},{"speaker":"Andy Hart","startTime":2120.5,"endTime":2122.42,"body":"they're"},{"speaker":"Carl Widger","startTime":2122.72,"endTime":2125.06,"body":"not feeling that on"},{"speaker":"Carl Widger","startTime":2122.72,"endTime":2125.06,"body":"the ground. I was just back from"},{"speaker":"Carl Widger","startTime":2125.06,"endTime":2125.7799999999997,"body":"there. I"},{"speaker":"Andy Hart","startTime":2128.299,"endTime":2130.519,"body":"assure you, they're"},{"speaker":"Andy Hart","startTime":2128.299,"endTime":2130.519,"body":"still angry and want the"},{"speaker":"Alan Smith","startTime":2130.52,"endTime":2132.38,"body":"money. But you must"},{"speaker":"Alan Smith","startTime":2130.52,"endTime":2132.38,"body":"have helped their economy,"},{"speaker":"Alan Smith","startTime":2132.38,"endTime":2133.94,"body":"though. Carl, when you're over"},{"speaker":"Alan Smith","startTime":2132.38,"endTime":2133.94,"body":"there,"},{"speaker":"Andy Hart","startTime":2135.08,"endTime":2137.56,"body":"well, it's more the"},{"speaker":"Andy Hart","startTime":2135.08,"endTime":2137.56,"body":"Dutch economy, isn't it the"},{"speaker":"Andy Hart","startTime":2137.56,"endTime":2138.4,"body":"Heineken"},{"speaker":"Carl Widger","startTime":2138.4,"endTime":2140.56,"body":"stock, they don't"},{"speaker":"Carl Widger","startTime":2138.4,"endTime":2140.56,"body":"do Heineken over there, guys,"},{"speaker":"Carl Widger","startTime":2140.7999999999997,"endTime":2141.88,"body":"yeah. So"},{"speaker":"Alan Smith","startTime":2142.839,"endTime":2144.6389999999997,"body":"Greek Greece, number"},{"speaker":"Alan Smith","startTime":2142.839,"endTime":2144.6389999999997,"body":"one, Czech"},{"speaker":"Andy Hart","startTime":2145.42,"endTime":2148.3599999999997,"body":"Republic number two,"},{"speaker":"Andy Hart","startTime":2145.42,"endTime":2148.3599999999997,"body":"pilot number three, Columbia"},{"speaker":"Andy Hart","startTime":2148.3599999999997,"endTime":2151.54,"body":"number four. Anyway, it's some"},{"speaker":"Andy Hart","startTime":2148.3599999999997,"endTime":2151.54,"body":"of the people are into this deep"},{"speaker":"Andy Hart","startTime":2151.54,"endTime":2153.7,"body":"dive number stuff. So, okay,"},{"speaker":"Andy Hart","startTime":2151.54,"endTime":2153.7,"body":"that"},{"speaker":"Nick Lincoln","startTime":2153.699,"endTime":2155.859,"body":"was five minutes"},{"speaker":"Nick Lincoln","startTime":2153.699,"endTime":2155.859,"body":"of annual reading out lists,"},{"speaker":"Nick Lincoln","startTime":2155.919,"endTime":2158.6389999999997,"body":"quality podcast. Thank you."},{"speaker":"Nick Lincoln","startTime":2155.919,"endTime":2158.6389999999997,"body":"Thank you very much, very good,"},{"speaker":"Nick Lincoln","startTime":2159.1189999999997,"endTime":2162.899,"body":"right? You've been to some"},{"speaker":"Nick Lincoln","startTime":2159.1189999999997,"endTime":2162.899,"body":"Manchester. Is that? Hey, sir,"},{"speaker":"Alan Smith","startTime":2162.96,"endTime":2165.48,"body":"yeah, yeah,"},{"speaker":"Alan Smith","startTime":2162.96,"endTime":2165.48,"body":"Northern, northern town,"},{"speaker":"Alan Smith","startTime":2165.96,"endTime":2169.62,"body":"Nickolas, you didn't go well,"},{"speaker":"Alan Smith","startTime":2165.96,"endTime":2169.62,"body":"I'll tell you the funniest"},{"speaker":"Alan Smith","startTime":2169.62,"endTime":2173.8199999999997,"body":"thing. Yeah. So I want to talk"},{"speaker":"Alan Smith","startTime":2169.62,"endTime":2173.8199999999997,"body":"about the next gen conference"},{"speaker":"Alan Smith","startTime":2173.88,"endTime":2178.46,"body":"now known as plan X. They. The"},{"speaker":"Alan Smith","startTime":2173.88,"endTime":2178.46,"body":"interestingly, they they killed"},{"speaker":"Alan Smith","startTime":2178.46,"endTime":2183.14,"body":"their brand and their name next"},{"speaker":"Alan Smith","startTime":2178.46,"endTime":2183.14,"body":"gen Andy, relaunched as plan X"},{"speaker":"Alan Smith","startTime":2183.2599999999998,"endTime":2187.94,"body":"at the conference. Funny thing"},{"speaker":"Alan Smith","startTime":2183.2599999999998,"endTime":2187.94,"body":"was backstory. I pitched up"},{"speaker":"Alan Smith","startTime":2187.94,"endTime":2191.42,"body":"there on I got the six o'clock"},{"speaker":"Alan Smith","startTime":2187.94,"endTime":2191.42,"body":"train out of London in the"},{"speaker":"Alan Smith","startTime":2191.42,"endTime":2194.0,"body":"morning, got there in time for"},{"speaker":"Alan Smith","startTime":2191.42,"endTime":2194.0,"body":"the start of the conference."},{"speaker":"Alan Smith","startTime":2194.0,"endTime":2199.8399999999997,"body":"People saying to me, seen Andy"},{"speaker":"Alan Smith","startTime":2194.0,"endTime":2199.8399999999997,"body":"around. I said we saw him last"},{"speaker":"Alan Smith","startTime":2199.8399999999997,"endTime":2203.02,"body":"night. They said he was he was"},{"speaker":"Alan Smith","startTime":2199.8399999999997,"endTime":2203.02,"body":"partying hard last night. They"},{"speaker":"Alan Smith","startTime":2203.02,"endTime":2206.7999999999997,"body":"said he's not showed up yet. I"},{"speaker":"Alan Smith","startTime":2203.02,"endTime":2206.7999999999997,"body":"said that, no, he's not coming"},{"speaker":"Alan Smith","startTime":2206.7999999999997,"endTime":2209.7999999999997,"body":"to the conference. He came up"},{"speaker":"Alan Smith","startTime":2206.7999999999997,"endTime":2209.7999999999997,"body":"for the night before. He went"},{"speaker":"Alan Smith","startTime":2209.7999999999997,"endTime":2213.04,"body":"the night before, one night only"},{"speaker":"Alan Smith","startTime":2209.7999999999997,"endTime":2213.04,"body":"night, and then went home"},{"speaker":"Alan Smith","startTime":2215.08,"endTime":2217.98,"body":"anyway. Somebody said to me, he"},{"speaker":"Alan Smith","startTime":2215.08,"endTime":2217.98,"body":"went to the stag dude, but"},{"speaker":"Alan Smith","startTime":2217.98,"endTime":2219.06,"body":"didn't go to the wedding."},{"speaker":"Carl Widger","startTime":2221.52,"endTime":2224.04,"body":"Was there bingo?"},{"speaker":"Carl Widger","startTime":2221.52,"endTime":2224.04,"body":"Because you send a voice memo to"},{"speaker":"Carl Widger","startTime":2224.04,"endTime":2225.66,"body":"literally, I'm like, Jesus,"},{"speaker":"Nick Lincoln","startTime":2225.839,"endTime":2226.679,"body":"is that bingo?"},{"speaker":"Alan Smith","startTime":2226.679,"endTime":2228.659,"body":"Can you? Can you"},{"speaker":"Alan Smith","startTime":2226.679,"endTime":2228.659,"body":"comment on the on the"},{"speaker":"Alan Smith","startTime":2228.659,"endTime":2231.959,"body":"entertainment the night before?"},{"speaker":"Alan Smith","startTime":2228.659,"endTime":2231.959,"body":"I didn't make it to the"},{"speaker":"Andy Hart","startTime":2232.3199999999997,"endTime":2235.3199999999997,"body":"full on, so I got to"},{"speaker":"Andy Hart","startTime":2232.3199999999997,"endTime":2235.3199999999997,"body":"Manchester quite early and put a"},{"speaker":"Andy Hart","startTime":2235.3199999999997,"endTime":2238.58,"body":"post on the next gen or plan X"},{"speaker":"Andy Hart","startTime":2235.3199999999997,"endTime":2238.58,"body":"group with 2n someone spelled it"},{"speaker":"Andy Hart","startTime":2238.58,"endTime":2242.06,"body":"wrong. It's plan x with two"},{"speaker":"Andy Hart","startTime":2238.58,"endTime":2242.06,"body":"ends. Put a post saying we were"},{"speaker":"Andy Hart","startTime":2242.06,"endTime":2245.0,"body":"at least an organ a pub called"},{"speaker":"Andy Hart","startTime":2242.06,"endTime":2245.0,"body":"the orcubas around the corner"},{"speaker":"Andy Hart","startTime":2245.0,"endTime":2246.98,"body":"for we were there for about"},{"speaker":"Andy Hart","startTime":2245.0,"endTime":2246.98,"body":"three o'clock. So a lot of"},{"speaker":"Andy Hart","startTime":2246.98,"endTime":2250.16,"body":"people came. It was really good."},{"speaker":"Andy Hart","startTime":2246.98,"endTime":2250.16,"body":"Pete Matthews came. Load of"},{"speaker":"Andy Hart","startTime":2250.16,"endTime":2252.92,"body":"other people. So about 10 of us"},{"speaker":"Andy Hart","startTime":2250.16,"endTime":2252.92,"body":"all having drinks. That was all"},{"speaker":"Andy Hart","startTime":2252.92,"endTime":2255.92,"body":"fun and games. And we went to"},{"speaker":"Andy Hart","startTime":2252.92,"endTime":2255.92,"body":"the venue at a big warehouse. We"},{"speaker":"Andy Hart","startTime":2255.92,"endTime":2259.0,"body":"rocked up at six o'clock, loads"},{"speaker":"Andy Hart","startTime":2255.92,"endTime":2259.0,"body":"of people there, very loud razz"},{"speaker":"Andy Hart","startTime":2259.0,"endTime":2262.66,"body":"and the Taz. And then we had"},{"speaker":"Andy Hart","startTime":2259.0,"endTime":2262.66,"body":"various different awards and"},{"speaker":"Andy Hart","startTime":2262.66,"endTime":2265.3599999999997,"body":"various things going on. And"},{"speaker":"Andy Hart","startTime":2262.66,"endTime":2265.3599999999997,"body":"then there was, you know, lots"},{"speaker":"Andy Hart","startTime":2265.3599999999997,"endTime":2267.64,"body":"of music. It was food. There"},{"speaker":"Andy Hart","startTime":2265.3599999999997,"endTime":2267.64,"body":"was, yeah, it was, it was"},{"speaker":"Andy Hart","startTime":2267.64,"endTime":2271.2999999999997,"body":"superb. Lots of people there,"},{"speaker":"Andy Hart","startTime":2267.64,"endTime":2271.2999999999997,"body":"lots of trap fans, discussing"},{"speaker":"Andy Hart","startTime":2271.2999999999997,"endTime":2274.72,"body":"lots of ideas with a lot of"},{"speaker":"Andy Hart","startTime":2271.2999999999997,"endTime":2274.72,"body":"people. Yeah, it was superb. I"},{"speaker":"Andy Hart","startTime":2274.72,"endTime":2277.2,"body":"think I left, yeah, about"},{"speaker":"Andy Hart","startTime":2274.72,"endTime":2277.2,"body":"midnight, maybe. And then, yeah,"},{"speaker":"Andy Hart","startTime":2277.2,"endTime":2281.16,"body":"I had to go back to London the"},{"speaker":"Andy Hart","startTime":2277.2,"endTime":2281.16,"body":"next day, so I am out there. I"},{"speaker":"Andy Hart","startTime":2281.16,"endTime":2283.92,"body":"wasn't super and over, and I"},{"speaker":"Andy Hart","startTime":2281.16,"endTime":2283.92,"body":"wasn't booked in. And, you know,"},{"speaker":"Andy Hart","startTime":2285.18,"endTime":2289.08,"body":"yeah, so not what I've not"},{"speaker":"Andy Hart","startTime":2285.18,"endTime":2289.08,"body":"missed the next gen conference"},{"speaker":"Andy Hart","startTime":2289.08,"endTime":2292.2,"body":"since they've launched. And I"},{"speaker":"Andy Hart","startTime":2289.08,"endTime":2292.2,"body":"don't think I will. I was quite"},{"speaker":"Andy Hart","startTime":2292.2,"endTime":2293.94,"body":"surprised with this whole name"},{"speaker":"Andy Hart","startTime":2292.2,"endTime":2293.94,"body":"launch."},{"speaker":"Nick Lincoln","startTime":2295.98,"endTime":2296.7599999999998,"body":"You did miss it?"},{"speaker":"Andy Hart","startTime":2297.12,"endTime":2299.12,"body":"No, I went there for"},{"speaker":"Andy Hart","startTime":2297.12,"endTime":2299.12,"body":"the preview the previous night."},{"speaker":"Nick Lincoln","startTime":2300.319,"endTime":2302.0589999999997,"body":"You have now"},{"speaker":"Nick Lincoln","startTime":2300.319,"endTime":2302.0589999999997,"body":"missed the Conference of the"},{"speaker":"Nick Lincoln","startTime":2302.719,"endTime":2303.979,"body":"Next Gen is missed"},{"speaker":"Andy Hart","startTime":2304.159,"endTime":2309.979,"body":"anyway, so, yeah, the"},{"speaker":"Andy Hart","startTime":2304.159,"endTime":2309.979,"body":"RE brand is interesting."},{"speaker":"Andy Hart","startTime":2310.6389999999997,"endTime":2313.0389999999998,"body":"Rebrands are ballsy, and it's a"},{"speaker":"Andy Hart","startTime":2310.6389999999997,"endTime":2313.0389999999998,"body":"lot of"},{"speaker":"Carl Widger","startTime":2315.5,"endTime":2317.08,"body":"not a brilliant"},{"speaker":"Carl Widger","startTime":2315.5,"endTime":2317.08,"body":"name. No,"},{"speaker":"Andy Hart","startTime":2318.279,"endTime":2320.739,"body":"I don't think they"},{"speaker":"Andy Hart","startTime":2318.279,"endTime":2320.739,"body":"should switch to plan x. That's"},{"speaker":"Andy Hart","startTime":2320.859,"endTime":2325.479,"body":"all right, sorry, they'll"},{"speaker":"Andy Hart","startTime":2320.859,"endTime":2325.479,"body":"probably change it back. But why"},{"speaker":"Andy Hart","startTime":2325.779,"endTime":2328.899,"body":"do you think it's a good idea"},{"speaker":"Andy Hart","startTime":2325.779,"endTime":2328.899,"body":"then Smithy?"},{"speaker":"Alan Smith","startTime":2329.62,"endTime":2333.2799999999997,"body":"Because next gen is"},{"speaker":"Alan Smith","startTime":2329.62,"endTime":2333.2799999999997,"body":"too defining. It's all, I mean,"},{"speaker":"Alan Smith","startTime":2333.2799999999997,"endTime":2336.1,"body":"I've never really engaged with"},{"speaker":"Alan Smith","startTime":2333.2799999999997,"endTime":2336.1,"body":"it, particularly because I"},{"speaker":"Alan Smith","startTime":2336.1,"endTime":2339.24,"body":"thought was for the the ute, is"},{"speaker":"Alan Smith","startTime":2336.1,"endTime":2339.24,"body":"for the youngsters who are in"},{"speaker":"Alan Smith","startTime":2339.24,"endTime":2339.9,"body":"their 20s,"},{"speaker":"Andy Hart","startTime":2340.259,"endTime":2343.019,"body":"not an age. That's"},{"speaker":"Andy Hart","startTime":2340.259,"endTime":2343.019,"body":"what, well, a lot of people,"},{"speaker":"Andy Hart","startTime":2343.019,"endTime":2343.5589999999997,"body":"they, a"},{"speaker":"Alan Smith","startTime":2343.56,"endTime":2346.38,"body":"lot of the feedback"},{"speaker":"Alan Smith","startTime":2343.56,"endTime":2346.38,"body":"they've been getting was that,"},{"speaker":"Alan Smith","startTime":2346.38,"endTime":2348.8399999999997,"body":"oh, I didn't realize you could"},{"speaker":"Alan Smith","startTime":2346.38,"endTime":2348.8399999999997,"body":"be over 40 and still in this"},{"speaker":"Alan Smith","startTime":2348.8399999999997,"endTime":2351.3599999999997,"body":"this group. So it's part of a"},{"speaker":"Alan Smith","startTime":2348.8399999999997,"endTime":2351.3599999999997,"body":"whole thing. I mean, they are"},{"speaker":"Alan Smith","startTime":2351.3599999999997,"endTime":2353.88,"body":"building something very, very"},{"speaker":"Alan Smith","startTime":2351.3599999999997,"endTime":2353.88,"body":"special. I think, you know, we"},{"speaker":"Alan Smith","startTime":2353.88,"endTime":2356.7799999999997,"body":"hope we got a taste of what"},{"speaker":"Alan Smith","startTime":2353.88,"endTime":2356.7799999999997,"body":"they're sort of rolling out to"},{"speaker":"Alan Smith","startTime":2356.7799999999997,"endTime":2359.42,"body":"their to their community,"},{"speaker":"Alan Smith","startTime":2356.7799999999997,"endTime":2359.42,"body":"building a really, really good,"},{"speaker":"Alan Smith","startTime":2359.42,"endTime":2363.44,"body":"vibrant community. It was so it"},{"speaker":"Alan Smith","startTime":2359.42,"endTime":2363.44,"body":"was, obviously I was there for"},{"speaker":"Alan Smith","startTime":2363.44,"endTime":2367.2799999999997,"body":"the whole day. Didn't make it"},{"speaker":"Alan Smith","startTime":2363.44,"endTime":2367.2799999999997,"body":"the night before. And what I'll"},{"speaker":"Alan Smith","startTime":2367.2799999999997,"endTime":2370.1,"body":"say is, first of all, these"},{"speaker":"Alan Smith","startTime":2367.2799999999997,"endTime":2370.1,"body":"conferences, UK financial"},{"speaker":"Alan Smith","startTime":2370.1,"endTime":2374.0,"body":"services conferences have really"},{"speaker":"Alan Smith","startTime":2370.1,"endTime":2374.0,"body":"stepped up a notch this year. No"},{"speaker":"Alan Smith","startTime":2374.0,"endTime":2379.2999999999997,"body":"pressure in you, Andrew, because"},{"speaker":"Alan Smith","startTime":2374.0,"endTime":2379.2999999999997,"body":"obviously we went to advisor 3.0"},{"speaker":"Alan Smith","startTime":2380.3199999999997,"endTime":2383.8599999999997,"body":"These are big things, big budget"},{"speaker":"Alan Smith","startTime":2380.3199999999997,"endTime":2383.8599999999997,"body":"things, loads of razzmatazz,"},{"speaker":"Alan Smith","startTime":2383.8599999999997,"endTime":2386.92,"body":"loads of sort of energy, loads"},{"speaker":"Alan Smith","startTime":2383.8599999999997,"endTime":2386.92,"body":"of things going on there. I"},{"speaker":"Alan Smith","startTime":2386.92,"endTime":2389.14,"body":"mean, these are such a world"},{"speaker":"Alan Smith","startTime":2386.92,"endTime":2389.14,"body":"away from, you know, your"},{"speaker":"Alan Smith","startTime":2389.14,"endTime":2392.3199999999997,"body":"traditional your PFS conference,"},{"speaker":"Alan Smith","startTime":2389.14,"endTime":2392.3199999999997,"body":"and some of these other things"},{"speaker":"Alan Smith","startTime":2392.7999999999997,"endTime":2395.3199999999997,"body":"just seems to have moved on the"},{"speaker":"Alan Smith","startTime":2392.7999999999997,"endTime":2395.3199999999997,"body":"front. They're just more fun."},{"speaker":"Alan Smith","startTime":2395.3199999999997,"endTime":2399.66,"body":"Bottom line, lots of things"},{"speaker":"Alan Smith","startTime":2395.3199999999997,"endTime":2399.66,"body":"happening. Thoroughly enjoyed"},{"speaker":"Alan Smith","startTime":2399.66,"endTime":2405.2999999999997,"body":"it. Nick Get ready. Get ready"},{"speaker":"Alan Smith","startTime":2399.66,"endTime":2405.2999999999997,"body":"with so the the talks that I"},{"speaker":"Alan Smith","startTime":2405.2999999999997,"endTime":2408.6,"body":"remember which are really"},{"speaker":"Alan Smith","startTime":2405.2999999999997,"endTime":2408.6,"body":"impactful were James Ashford was"},{"speaker":"Alan Smith","startTime":2408.6,"endTime":2411.18,"body":"brilliant. Don't know if you"},{"speaker":"Alan Smith","startTime":2408.6,"endTime":2411.18,"body":"know James Ashford? Yes, I'm"},{"speaker":"Alan Smith","startTime":2411.18,"endTime":2415.08,"body":"aware of this kind of accounting"},{"speaker":"Alan Smith","startTime":2411.18,"endTime":2415.08,"body":"tech business. He knows Adam"},{"speaker":"Alan Smith","startTime":2415.2599999999998,"endTime":2417.8599999999997,"body":"Carolann really well. Think used"},{"speaker":"Alan Smith","startTime":2415.2599999999998,"endTime":2417.8599999999997,"body":"to work together so but he"},{"speaker":"Alan Smith","startTime":2417.8599999999997,"endTime":2420.3199999999997,"body":"really, really, really gets"},{"speaker":"Alan Smith","startTime":2417.8599999999997,"endTime":2420.3199999999997,"body":"financial planning, understands"},{"speaker":"Alan Smith","startTime":2420.3199999999997,"endTime":2424.16,"body":"it a lot. Good guy, good sort of"},{"speaker":"Alan Smith","startTime":2420.3199999999997,"endTime":2424.16,"body":"business story. Talked about all"},{"speaker":"Alan Smith","startTime":2424.16,"endTime":2426.92,"body":"his sort of business failures"},{"speaker":"Alan Smith","startTime":2424.16,"endTime":2426.92,"body":"before he had a big success, and"},{"speaker":"Alan Smith","startTime":2426.92,"endTime":2429.7999999999997,"body":"he's a 20 million pound exit. So"},{"speaker":"Alan Smith","startTime":2426.92,"endTime":2429.7999999999997,"body":"well done to him. Talks all"},{"speaker":"Alan Smith","startTime":2429.7999999999997,"endTime":2433.22,"body":"about that. Good speaker, the"},{"speaker":"Alan Smith","startTime":2429.7999999999997,"endTime":2433.22,"body":"legend who is Pete Matthews."},{"speaker":"Alan Smith","startTime":2433.22,"endTime":2435.92,"body":"Come on and give a talk about, I"},{"speaker":"Alan Smith","startTime":2433.22,"endTime":2435.92,"body":"mean, I didn't, I knew he was"},{"speaker":"Alan Smith","startTime":2435.92,"endTime":2438.3199999999997,"body":"big, and his sort of content as"},{"speaker":"Alan Smith","startTime":2435.92,"endTime":2438.3199999999997,"body":"YouTube or what have you, I"},{"speaker":"Alan Smith","startTime":2438.3199999999997,"endTime":2440.62,"body":"didn't really like. Didn't"},{"speaker":"Alan Smith","startTime":2438.3199999999997,"endTime":2440.62,"body":"realize how big it was. I mean,"},{"speaker":"Alan Smith","startTime":2440.62,"endTime":2443.8599999999997,"body":"he has got hundreds of 1000s of"},{"speaker":"Alan Smith","startTime":2440.62,"endTime":2443.8599999999997,"body":"email subscribers, people. I"},{"speaker":"Alan Smith","startTime":2443.8599999999997,"endTime":2446.68,"body":"mean, he's turning over like,"},{"speaker":"Alan Smith","startTime":2443.8599999999997,"endTime":2446.68,"body":"this is a significant media"},{"speaker":"Alan Smith","startTime":2446.68,"endTime":2449.44,"body":"business. He's got, never mind,"},{"speaker":"Alan Smith","startTime":2446.68,"endTime":2449.44,"body":"an IFA practice down in"},{"speaker":"Alan Smith","startTime":2449.92,"endTime":2452.5,"body":"Penzance, Cornwall, so and he"},{"speaker":"Alan Smith","startTime":2449.92,"endTime":2452.5,"body":"and he's just great. Anyway, I"},{"speaker":"Alan Smith","startTime":2452.5,"endTime":2457.5,"body":"love, I love Pete and very,"},{"speaker":"Alan Smith","startTime":2452.5,"endTime":2457.5,"body":"very, very humble, similar to"},{"speaker":"Alan Smith","startTime":2457.5,"endTime":2460.08,"body":"the four of us on this podcast"},{"speaker":"Alan Smith","startTime":2457.5,"endTime":2460.08,"body":"as well, he's got a great sense"},{"speaker":"Alan Smith","startTime":2460.08,"endTime":2464.58,"body":"of humility. He has despite,"},{"speaker":"Alan Smith","startTime":2460.08,"endTime":2464.58,"body":"despite his achievement. I mean,"},{"speaker":"Alan Smith","startTime":2464.7,"endTime":2469.2,"body":"Pete, Pete's great and the they"},{"speaker":"Alan Smith","startTime":2464.7,"endTime":2469.2,"body":"finished it off the whole day,"},{"speaker":"Alan Smith","startTime":2469.2,"endTime":2472.8599999999997,"body":"the whole session, with a"},{"speaker":"Alan Smith","startTime":2469.2,"endTime":2472.8599999999997,"body":"keynote by George kinder."},{"speaker":"Alan Smith","startTime":2473.22,"endTime":2476.04,"body":"Nicholas, George kinder, who was"},{"speaker":"Alan Smith","startTime":2473.22,"endTime":2476.04,"body":"launching a new product."},{"speaker":"Alan Smith","startTime":2490.699,"endTime":2493.999,"body":"George is he's an acquired"},{"speaker":"Alan Smith","startTime":2490.699,"endTime":2493.999,"body":"taste. I like him. I've been"},{"speaker":"Alan Smith","startTime":2493.999,"endTime":2497.859,"body":"through his program. He's one of"},{"speaker":"Alan Smith","startTime":2493.999,"endTime":2497.859,"body":"his books. He's relocating to"},{"speaker":"Alan Smith","startTime":2497.859,"endTime":2500.679,"body":"the UK. He's moving back to the"},{"speaker":"Alan Smith","startTime":2497.859,"endTime":2500.679,"body":"UK. I don't think he's a big fan"},{"speaker":"Alan Smith","startTime":2500.679,"endTime":2504.519,"body":"of Trump by some of the comments"},{"speaker":"Alan Smith","startTime":2500.679,"endTime":2504.519,"body":"that he made. I thought it's"},{"speaker":"Alan Smith","startTime":2504.519,"endTime":2509.6189999999997,"body":"interesting. He's got a new"},{"speaker":"Alan Smith","startTime":2504.519,"endTime":2509.6189999999997,"body":"product or service, which the"},{"speaker":"Alan Smith","startTime":2509.6189999999997,"endTime":2513.519,"body":"fiduciary, something or other,"},{"speaker":"Alan Smith","startTime":2509.6189999999997,"endTime":2513.519,"body":"f, i, a T, Fiat, which thought"},{"speaker":"Alan Smith","startTime":2513.519,"endTime":2517.0789999999997,"body":"was an interesting name, because"},{"speaker":"Alan Smith","startTime":2513.519,"endTime":2517.0789999999997,"body":"it describes a failing type of"},{"speaker":"Alan Smith","startTime":2517.259,"endTime":2521.219,"body":"monetary system. There you go."},{"speaker":"Alan Smith","startTime":2517.259,"endTime":2521.219,"body":"There might have been better"},{"speaker":"Alan Smith","startTime":2521.219,"endTime":2523.979,"body":"putting him on earlier in the"},{"speaker":"Alan Smith","startTime":2521.219,"endTime":2523.979,"body":"day. I don't know, because it's"},{"speaker":"Alan Smith","startTime":2523.979,"endTime":2527.0989999999997,"body":"a quite easy he's a gentle soul,"},{"speaker":"Alan Smith","startTime":2523.979,"endTime":2527.0989999999997,"body":"is George. But, you know, it"},{"speaker":"Alan Smith","startTime":2527.0989999999997,"endTime":2530.519,"body":"was, it was good for those who"},{"speaker":"Alan Smith","startTime":2527.0989999999997,"endTime":2530.519,"body":"were interested. And the other"},{"speaker":"Alan Smith","startTime":2530.519,"endTime":2532.979,"body":"thing that I thought was"},{"speaker":"Alan Smith","startTime":2530.519,"endTime":2532.979,"body":"interesting about it as well was"},{"speaker":"Alan Smith","startTime":2532.979,"endTime":2536.219,"body":"they had, there were people,"},{"speaker":"Alan Smith","startTime":2532.979,"endTime":2536.219,"body":"including me, who were giving,"},{"speaker":"Alan Smith","startTime":2536.219,"endTime":2538.759,"body":"you know, talks or panels,"},{"speaker":"Alan Smith","startTime":2536.219,"endTime":2538.759,"body":"various things, and they were"},{"speaker":"Alan Smith","startTime":2538.759,"endTime":2542.1189999999997,"body":"all on simultaneously. So you"},{"speaker":"Alan Smith","startTime":2538.759,"endTime":2542.1189999999997,"body":"had to register for the one you"},{"speaker":"Alan Smith","startTime":2542.1189999999997,"endTime":2544.159,"body":"wanted to attend, and you were"},{"speaker":"Alan Smith","startTime":2542.1189999999997,"endTime":2544.159,"body":"sitting beside other"},{"speaker":"Andy Hart","startTime":2544.159,"endTime":2547.6389999999997,"body":"people. We're all"},{"speaker":"Andy Hart","startTime":2544.159,"endTime":2547.6389999999997,"body":"brag people sold out. Yeah,"},{"speaker":"Alan Smith","startTime":2547.6389999999997,"endTime":2552.799,"body":"mom is the only one"},{"speaker":"Alan Smith","startTime":2547.6389999999997,"endTime":2552.799,"body":"that sold out, but ours. But"},{"speaker":"Alan Smith","startTime":2552.799,"endTime":2554.959,"body":"you, you know, you've seen this"},{"speaker":"Alan Smith","startTime":2552.799,"endTime":2554.959,"body":"before. What did they call you"},{"speaker":"Alan Smith","startTime":2554.959,"endTime":2557.859,"body":"got headphones on so you can"},{"speaker":"Alan Smith","startTime":2554.959,"endTime":2557.859,"body":"only hear what's on, like silent"},{"speaker":"Alan Smith","startTime":2557.919,"endTime":2560.679,"body":"disco type thing. So you can be"},{"speaker":"Alan Smith","startTime":2557.919,"endTime":2560.679,"body":"sitting beside you can see other"},{"speaker":"Alan Smith","startTime":2560.739,"endTime":2563.199,"body":"people on the stage, but you"},{"speaker":"Alan Smith","startTime":2560.739,"endTime":2563.199,"body":"can't hear them because your"},{"speaker":"Alan Smith","startTime":2563.199,"endTime":2566.259,"body":"headphones are on. You can still"},{"speaker":"Alan Smith","startTime":2563.199,"endTime":2566.259,"body":"speak and whatever you so it's a"},{"speaker":"Alan Smith","startTime":2566.259,"endTime":2570.819,"body":"way they can, I guess they can"},{"speaker":"Alan Smith","startTime":2566.259,"endTime":2570.819,"body":"have simultaneous, yeah, it's"},{"speaker":"Alan Smith","startTime":2570.819,"endTime":2573.819,"body":"difficult, because sometimes"},{"speaker":"Alan Smith","startTime":2570.819,"endTime":2573.819,"body":"there were, you know, there was"},{"speaker":"Alan Smith","startTime":2573.819,"endTime":2576.479,"body":"two on the and you would like to"},{"speaker":"Alan Smith","startTime":2573.819,"endTime":2576.479,"body":"see both of them, really,"},{"speaker":"Alan Smith","startTime":2576.479,"endTime":2577.5589999999997,"body":"because of it, because of"},{"speaker":"Carl Widger","startTime":2577.56,"endTime":2579.6,"body":"kind of similar"},{"speaker":"Carl Widger","startTime":2577.56,"endTime":2579.6,"body":"explain that to me, does your"},{"speaker":"Carl Widger","startTime":2579.6,"endTime":2581.94,"body":"stage basically, God, you what?"},{"speaker":"Carl Widger","startTime":2579.6,"endTime":2581.94,"body":"Thank God you had the"},{"speaker":"Alan Smith","startTime":2582.12,"endTime":2584.52,"body":"call. There's, I was"},{"speaker":"Alan Smith","startTime":2582.12,"endTime":2584.52,"body":"thinking, what? Andy explain it"},{"speaker":"Alan Smith","startTime":2584.52,"endTime":2584.64,"body":"to"},{"speaker":"Andy Hart","startTime":2584.6389999999997,"endTime":2588.299,"body":"him. I'm on a stage."},{"speaker":"Andy Hart","startTime":2584.6389999999997,"endTime":2588.299,"body":"I'm on a stage, and 100 people"},{"speaker":"Andy Hart","startTime":2588.299,"endTime":2591.359,"body":"in front of me. I've got, I've"},{"speaker":"Andy Hart","startTime":2588.299,"endTime":2591.359,"body":"got a mic, and you've all got"},{"speaker":"Andy Hart","startTime":2591.359,"endTime":2595.379,"body":"headphones on, so, so my voice"},{"speaker":"Andy Hart","startTime":2591.359,"endTime":2595.379,"body":"is just coming directly into"},{"speaker":"Andy Hart","startTime":2595.379,"endTime":2598.399,"body":"your into your ears with big"},{"speaker":"Andy Hart","startTime":2595.379,"endTime":2598.399,"body":"Muffy headphones on. It's like a"},{"speaker":"Andy Hart","startTime":2598.399,"endTime":2600.979,"body":"silent disco. So you can play"},{"speaker":"Andy Hart","startTime":2598.399,"endTime":2600.979,"body":"different music in different"},{"speaker":"Andy Hart","startTime":2600.979,"endTime":2601.819,"body":"people's headphones."},{"speaker":"Carl Widger","startTime":2601.819,"endTime":2603.979,"body":"But is there other"},{"speaker":"Carl Widger","startTime":2601.819,"endTime":2603.979,"body":"people on the stage talking as"},{"speaker":"Carl Widger","startTime":2603.979,"endTime":2605.0589999999997,"body":"well at the same time? There's"},{"speaker":"Alan Smith","startTime":2605.06,"endTime":2609.44,"body":"three stages all"},{"speaker":"Alan Smith","startTime":2605.06,"endTime":2609.44,"body":"side by side on at least. How do"},{"speaker":"Alan Smith","startTime":2609.44,"endTime":2609.7999999999997,"body":"you get"},{"speaker":"Andy Hart","startTime":2609.859,"endTime":2613.399,"body":"engaged with the you"},{"speaker":"Andy Hart","startTime":2609.859,"endTime":2613.399,"body":"guys? That's the problem. Carl,"},{"speaker":"Andy Hart","startTime":2613.399,"endTime":2614.1189999999997,"body":"you don't to yours,"},{"speaker":"Nick Lincoln","startTime":2614.72,"endTime":2615.98,"body":"just sort of what"},{"speaker":"Nick Lincoln","startTime":2614.72,"endTime":2615.98,"body":"you mean,"},{"speaker":"Alan Smith","startTime":2616.219,"endTime":2617.6189999999997,"body":"what you mean. What"},{"speaker":"Alan Smith","startTime":2616.219,"endTime":2617.6189999999997,"body":"you mean? It's not that"},{"speaker":"Alan Smith","startTime":2617.6189999999997,"endTime":2620.1389999999997,"body":"difficult to understand. You"},{"speaker":"Alan Smith","startTime":2617.6189999999997,"endTime":2620.1389999999997,"body":"might imagine there was just"},{"speaker":"Alan Smith","startTime":2620.379,"endTime":2622.479,"body":"three stages side by"},{"speaker":"Carl Widger","startTime":2622.48,"endTime":2625.42,"body":"side in their car"},{"speaker":"Carl Widger","startTime":2622.48,"endTime":2625.42,"body":"listening to the radio like"},{"speaker":"Carl Widger","startTime":2625.42,"endTime":2627.04,"body":"that's brain dead. You're"},{"speaker":"Alan Smith","startTime":2627.04,"endTime":2629.74,"body":"watching the people"},{"speaker":"Alan Smith","startTime":2627.04,"endTime":2629.74,"body":"act in real time. It's like"},{"speaker":"Alan Smith","startTime":2629.74,"endTime":2632.3199999999997,"body":"normal, except you can have a"},{"speaker":"Alan Smith","startTime":2629.74,"endTime":2632.3199999999997,"body":"lot of speakers say"},{"speaker":"Carl Widger","startTime":2632.439,"endTime":2634.359,"body":"you don't know if"},{"speaker":"Carl Widger","startTime":2632.439,"endTime":2634.359,"body":"they're listening to you or the"},{"speaker":"Carl Widger","startTime":2634.359,"endTime":2635.799,"body":"other you do. You do because"},{"speaker":"Alan Smith","startTime":2635.799,"endTime":2637.739,"body":"you because the"},{"speaker":"Alan Smith","startTime":2635.799,"endTime":2637.739,"body":"people that are listening to you"},{"speaker":"Alan Smith","startTime":2637.799,"endTime":2640.919,"body":"in front of you? There's got all"},{"speaker":"Alan Smith","startTime":2637.799,"endTime":2640.919,"body":"your audiences in front of you."},{"speaker":"Alan Smith","startTime":2640.979,"endTime":2646.5589999999997,"body":"Then, you know, 2030, yards"},{"speaker":"Alan Smith","startTime":2640.979,"endTime":2646.5589999999997,"body":"along is another thing"},{"speaker":"Nick Lincoln","startTime":2647.6389999999997,"endTime":2651.899,"body":"Stop. It was"},{"speaker":"Nick Lincoln","startTime":2647.6389999999997,"endTime":2651.899,"body":"really good. We can have one big"},{"speaker":"Nick Lincoln","startTime":2651.899,"endTime":2654.959,"body":"room rather than have three"},{"speaker":"Nick Lincoln","startTime":2651.899,"endTime":2654.959,"body":"rooms. What's the rationale for"},{"speaker":"Nick Lincoln","startTime":2654.959,"endTime":2655.979,"body":"it? So"},{"speaker":"Andy Hart","startTime":2656.58,"endTime":2658.04,"body":"the talks don't"},{"speaker":"Andy Hart","startTime":2656.58,"endTime":2658.04,"body":"interfere each"},{"speaker":"Alan Smith","startTime":2658.04,"endTime":2660.44,"body":"other multiple"},{"speaker":"Alan Smith","startTime":2658.04,"endTime":2660.44,"body":"streams within the same time."},{"speaker":"Alan Smith","startTime":2660.44,"endTime":2661.7,"body":"Yeah, if you're interested,"},{"speaker":"Alan Smith","startTime":2660.44,"endTime":2661.7,"body":"you've"},{"speaker":"Nick Lincoln","startTime":2661.699,"endTime":2663.919,"body":"only got one room."},{"speaker":"Nick Lincoln","startTime":2661.699,"endTime":2663.919,"body":"So that's why they do it, right?"},{"speaker":"Nick Lincoln","startTime":2664.0389999999998,"endTime":2667.0389999999998,"body":"It's, it's an ad hoc solution to"},{"speaker":"Nick Lincoln","startTime":2664.0389999999998,"endTime":2667.0389999999998,"body":"a problem. It sounds awful."},{"speaker":"Alan Smith","startTime":2667.52,"endTime":2669.8599999999997,"body":"No, it really"},{"speaker":"Alan Smith","startTime":2667.52,"endTime":2669.8599999999997,"body":"worked. And I must say, I"},{"speaker":"Alan Smith","startTime":2669.8599999999997,"endTime":2672.44,"body":"thoroughly enjoyed it, as you"},{"speaker":"Alan Smith","startTime":2669.8599999999997,"endTime":2672.44,"body":"say, Andrew, quite a lot of trap"},{"speaker":"Alan Smith","startTime":2672.44,"endTime":2677.62,"body":"fans were in the in the area, in"},{"speaker":"Alan Smith","startTime":2672.44,"endTime":2677.62,"body":"the vicinity, so huge fans,"},{"speaker":"Alan Smith","startTime":2677.68,"endTime":2680.44,"body":"yeah, it was just Yeah. Met"},{"speaker":"Alan Smith","startTime":2677.68,"endTime":2680.44,"body":"loads Yeah. Bumped into loads of"},{"speaker":"Alan Smith","startTime":2680.44,"endTime":2682.72,"body":"people. We get the usual"},{"speaker":"Alan Smith","startTime":2680.44,"endTime":2682.72,"body":"suspects that show up a lot of"},{"speaker":"Alan Smith","startTime":2682.72,"endTime":2686.38,"body":"conferences. So all in all, I"},{"speaker":"Alan Smith","startTime":2682.72,"endTime":2686.38,"body":"thought it was a great success."},{"speaker":"Alan Smith","startTime":2686.38,"endTime":2688.3599999999997,"body":"Well done to them, looking"},{"speaker":"Alan Smith","startTime":2686.38,"endTime":2688.3599999999997,"body":"forward to see what they are"},{"speaker":"Alan Smith","startTime":2688.3599999999997,"endTime":2689.7999999999997,"body":"doing next."},{"speaker":"Nick Lincoln","startTime":2690.339,"endTime":2696.339,"body":"Okay, yeah. And so"},{"speaker":"Nick Lincoln","startTime":2690.339,"endTime":2696.339,"body":"is it one end or two ends? You"},{"speaker":"Nick Lincoln","startTime":2696.339,"endTime":2697.199,"body":"said two ends? Yeah,"},{"speaker":"Alan Smith","startTime":2697.5589999999997,"endTime":2699.959,"body":"how can I say this"},{"speaker":"Alan Smith","startTime":2697.5589999999997,"endTime":2699.959,"body":"carefully, there's another"},{"speaker":"Alan Smith","startTime":2699.959,"endTime":2706.919,"body":"famous brand in ex. Would you"},{"speaker":"Alan Smith","startTime":2699.959,"endTime":2706.919,"body":"say Nick? Did you say something"},{"speaker":"Alan Smith","startTime":2708.0589999999997,"endTime":2714.419,"body":"Nick? And the the logo and the"},{"speaker":"Alan Smith","startTime":2708.0589999999997,"endTime":2714.419,"body":"branding is very similar, yeah,"},{"speaker":"Alan Smith","startTime":2714.419,"endTime":2717.259,"body":"but there's another famous brand"},{"speaker":"Alan Smith","startTime":2714.419,"endTime":2717.259,"body":"that's it's got a very similar"},{"speaker":"Alan Smith","startTime":2717.259,"endTime":2718.0389999999998,"body":"logo engine"},{"speaker":"Nick Lincoln","startTime":2718.46,"endTime":2719.9,"body":"before you in the"},{"speaker":"Nick Lincoln","startTime":2718.46,"endTime":2719.9,"body":"show notes. There we go. Two"},{"speaker":"Nick Lincoln","startTime":2719.9,"endTime":2723.62,"body":"ends now. Okay, right. Moving"},{"speaker":"Nick Lincoln","startTime":2719.9,"endTime":2723.62,"body":"on. So this is a brand that you"},{"speaker":"Nick Lincoln","startTime":2723.62,"endTime":2727.16,"body":"introduced me to Andy a few"},{"speaker":"Nick Lincoln","startTime":2723.62,"endTime":2727.16,"body":"years ago. Life quote, this is"},{"speaker":"Nick Lincoln","startTime":2727.16,"endTime":2729.56,"body":"for so I don't write much"},{"speaker":"Nick Lincoln","startTime":2727.16,"endTime":2729.56,"body":"protection business because it's"},{"speaker":"Nick Lincoln","startTime":2729.56,"endTime":2732.08,"body":"a bit of a ball lake. And so I"},{"speaker":"Nick Lincoln","startTime":2729.56,"endTime":2732.08,"body":"used to outsource the odd case I"},{"speaker":"Nick Lincoln","startTime":2732.08,"endTime":2734.42,"body":"used to do to a company called"},{"speaker":"Nick Lincoln","startTime":2732.08,"endTime":2734.42,"body":"Life quote, and they've been"},{"speaker":"Nick Lincoln","startTime":2734.42,"endTime":2737.18,"body":"running for 25 years, and they"},{"speaker":"Nick Lincoln","startTime":2734.42,"endTime":2737.18,"body":"would handle the case, and if"},{"speaker":"Nick Lincoln","startTime":2737.18,"endTime":2739.18,"body":"you wanted it, they give you a"},{"speaker":"Nick Lincoln","startTime":2737.18,"endTime":2739.18,"body":"share of the commission. Of the"},{"speaker":"Nick Lincoln","startTime":2739.18,"endTime":2741.16,"body":"commission back. Basically, they"},{"speaker":"Nick Lincoln","startTime":2739.18,"endTime":2741.16,"body":"would, they would place the"},{"speaker":"Nick Lincoln","startTime":2741.16,"endTime":2742.8399999999997,"body":"case. They do all the blah,"},{"speaker":"Nick Lincoln","startTime":2741.16,"endTime":2742.8399999999997,"body":"blah, blah, all the crud, all"},{"speaker":"Nick Lincoln","startTime":2742.8399999999997,"endTime":2745.48,"body":"the app, and they get it on, on"},{"speaker":"Nick Lincoln","startTime":2742.8399999999997,"endTime":2745.48,"body":"the books, and they've closed to"},{"speaker":"Nick Lincoln","startTime":2745.66,"endTime":2747.8199999999997,"body":"business. They don't say why,"},{"speaker":"Nick Lincoln","startTime":2745.66,"endTime":2747.8199999999997,"body":"and I've done a new search as"},{"speaker":"Nick Lincoln","startTime":2747.8199999999997,"endTime":2751.24,"body":"well, and there's no, there's no"},{"speaker":"Nick Lincoln","startTime":2747.8199999999997,"endTime":2751.24,"body":"reason why they've closed for"},{"speaker":"Nick Lincoln","startTime":2751.24,"endTime":2754.18,"body":"business. But obviously it's not"},{"speaker":"Nick Lincoln","startTime":2751.24,"endTime":2754.18,"body":"the profitable thing it once"},{"speaker":"Nick Lincoln","startTime":2754.18,"endTime":2754.42,"body":"was."},{"speaker":"Andy Hart","startTime":2754.8399999999997,"endTime":2757.68,"body":"I I've been using"},{"speaker":"Andy Hart","startTime":2754.8399999999997,"endTime":2757.68,"body":"life quote, since I started"},{"speaker":"Andy Hart","startTime":2757.68,"endTime":2762.66,"body":"doing mortgages in 2005 recently"},{"speaker":"Andy Hart","startTime":2757.68,"endTime":2762.66,"body":"at Maven advisor, I've been"},{"speaker":"Andy Hart","startTime":2762.66,"endTime":2765.72,"body":"using the service I recommended"},{"speaker":"Andy Hart","startTime":2762.66,"endTime":2765.72,"body":"to you. Nick, and it's insanely"},{"speaker":"Andy Hart","startTime":2765.7799999999997,"endTime":2768.54,"body":"amazing. So you go online, do"},{"speaker":"Andy Hart","startTime":2765.7799999999997,"endTime":2768.54,"body":"basic details and then say,"},{"speaker":"Andy Hart","startTime":2768.54,"endTime":2771.12,"body":"please call the client and run"},{"speaker":"Andy Hart","startTime":2768.54,"endTime":2771.12,"body":"it, run through all the medical"},{"speaker":"Andy Hart","startTime":2771.12,"endTime":2773.2799999999997,"body":"information. It's an amazing"},{"speaker":"Andy Hart","startTime":2771.12,"endTime":2773.2799999999997,"body":"service. What's that? Fully"},{"speaker":"Andy Hart","startTime":2773.2799999999997,"endTime":2776.04,"body":"outsourced? Sorry, sorry. Life"},{"speaker":"Andy Hart","startTime":2773.2799999999997,"endTime":2776.04,"body":"quote. Nick, oh, sorry. I think."},{"speaker":"Andy Hart","startTime":2776.12,"endTime":2779.48,"body":"Mistake, yeah, I've been using"},{"speaker":"Andy Hart","startTime":2776.12,"endTime":2779.48,"body":"that service in 2005 since I was"},{"speaker":"Andy Hart","startTime":2779.48,"endTime":2781.88,"body":"a mortgage broker, but, but"},{"speaker":"Andy Hart","startTime":2779.48,"endTime":2781.88,"body":"recently, I've been using the"},{"speaker":"Andy Hart","startTime":2781.88,"endTime":2784.4,"body":"service I recommended you each"},{"speaker":"Andy Hart","startTime":2781.88,"endTime":2784.4,"body":"is, what is, which is life"},{"speaker":"Andy Hart","startTime":2784.4,"endTime":2788.06,"body":"quote? Sorry, it's amazing. Life"},{"speaker":"Andy Hart","startTime":2784.4,"endTime":2788.06,"body":"quite amazing. But they're"},{"speaker":"Andy Hart","startTime":2788.06,"endTime":2792.5,"body":"closing down for no reason now,"},{"speaker":"Andy Hart","startTime":2788.06,"endTime":2792.5,"body":"but I would not just say"},{"speaker":"Carl Widger","startTime":2792.5,"endTime":2794.66,"body":"you use someone"},{"speaker":"Carl Widger","startTime":2792.5,"endTime":2794.66,"body":"else. No, sorry."},{"speaker":"Andy Hart","startTime":2796.58,"endTime":2801.58,"body":"Now I use life quote"},{"speaker":"Andy Hart","startTime":2796.58,"endTime":2801.58,"body":"for 20 years, the same company"},{"speaker":"Andy Hart","startTime":2801.58,"endTime":2805.48,"body":"life quote. When I started in"},{"speaker":"Andy Hart","startTime":2801.58,"endTime":2805.48,"body":"2005 we used to do a lot of the"},{"speaker":"Andy Hart","startTime":2805.9,"endTime":2808.42,"body":"underwriting, filling in the"},{"speaker":"Andy Hart","startTime":2805.9,"endTime":2808.42,"body":"forms, asking all the medical"},{"speaker":"Andy Hart","startTime":2808.42,"endTime":2811.06,"body":"questions. In recent years,"},{"speaker":"Andy Hart","startTime":2808.42,"endTime":2811.06,"body":"added this, you know, proper"},{"speaker":"Andy Hart","startTime":2811.06,"endTime":2813.2799999999997,"body":"outsourced service where they"},{"speaker":"Andy Hart","startTime":2811.06,"endTime":2813.2799999999997,"body":"call the client at a certain"},{"speaker":"Andy Hart","startTime":2813.2799999999997,"endTime":2815.5,"body":"time, run through all the"},{"speaker":"Andy Hart","startTime":2813.2799999999997,"endTime":2815.5,"body":"medical information, submit it"},{"speaker":"Andy Hart","startTime":2815.5,"endTime":2818.7599999999998,"body":"to the provider, and then they"},{"speaker":"Andy Hart","startTime":2815.5,"endTime":2818.7599999999998,"body":"take, keep it simple, 25% of the"},{"speaker":"Andy Hart","startTime":2818.7599999999998,"endTime":2822.2999999999997,"body":"Commission, which is fine, you"},{"speaker":"Andy Hart","startTime":2818.7599999999998,"endTime":2822.2999999999997,"body":"end up with 75% for not doing a"},{"speaker":"Andy Hart","startTime":2822.2999999999997,"endTime":2824.64,"body":"lot of work. Obviously, you're"},{"speaker":"Andy Hart","startTime":2822.2999999999997,"endTime":2824.64,"body":"advising the client, but you're"},{"speaker":"Andy Hart","startTime":2824.64,"endTime":2827.1,"body":"not doing all the medical"},{"speaker":"Andy Hart","startTime":2824.64,"endTime":2827.1,"body":"underwriting like now. You're"},{"speaker":"Andy Hart","startTime":2827.1,"endTime":2831.18,"body":"using someone different. No, I'm"},{"speaker":"Andy Hart","startTime":2827.1,"endTime":2831.18,"body":"not. So I want to, I want to,"},{"speaker":"Andy Hart","startTime":2831.42,"endTime":2832.5,"body":"because they're closed"},{"speaker":"Nick Lincoln","startTime":2834.06,"endTime":2835.44,"body":"out. My request"},{"speaker":"Andy Hart","startTime":2835.44,"endTime":2839.72,"body":"to the TRAPPIST is,"},{"speaker":"Andy Hart","startTime":2835.44,"endTime":2839.72,"body":"is there a service that is"},{"speaker":"Andy Hart","startTime":2840.2,"endTime":2843.56,"body":"identical to life, quite, or"},{"speaker":"Andy Hart","startTime":2840.2,"endTime":2843.56,"body":"even better, that you know"},{"speaker":"Andy Hart","startTime":2843.56,"endTime":2847.58,"body":"about, because we have not yet"},{"speaker":"Andy Hart","startTime":2843.56,"endTime":2847.58,"body":"found Nick, yeah. I mean, I did"},{"speaker":"Andy Hart","startTime":2847.58,"endTime":2848.12,"body":"look, I've looked"},{"speaker":"Nick Lincoln","startTime":2848.12,"endTime":2851.3599999999997,"body":"at some YOU'RE A,"},{"speaker":"Nick Lincoln","startTime":2848.12,"endTime":2851.3599999999997,"body":"C, u, r, A, but they don't"},{"speaker":"Nick Lincoln","startTime":2851.3599999999997,"endTime":2854.18,"body":"really do it. They only deal"},{"speaker":"Nick Lincoln","startTime":2851.3599999999997,"endTime":2854.18,"body":"with no massive cases. So it's a"},{"speaker":"Nick Lincoln","startTime":2854.18,"endTime":2854.96,"body":"massive"},{"speaker":"Alan Smith","startTime":2856.04,"endTime":2858.52,"body":"this is this gap in"},{"speaker":"Alan Smith","startTime":2856.04,"endTime":2858.52,"body":"the market business they were"},{"speaker":"Alan Smith","startTime":2858.52,"endTime":2862.7799999999997,"body":"doing like, yeah, industrial"},{"speaker":"Alan Smith","startTime":2858.52,"endTime":2862.7799999999997,"body":"scale of deals with, I can't"},{"speaker":"Alan Smith","startTime":2862.7799999999997,"endTime":2865.2999999999997,"body":"remember, maybe harvest lands"},{"speaker":"Alan Smith","startTime":2862.7799999999997,"endTime":2865.2999999999997,"body":"now, or something like that."},{"speaker":"Alan Smith","startTime":2865.2999999999997,"endTime":2869.7999999999997,"body":"Just huge organization, SJP,"},{"speaker":"Alan Smith","startTime":2865.2999999999997,"endTime":2869.7999999999997,"body":"maybe people like that. We don't"},{"speaker":"Nick Lincoln","startTime":2870.04,"endTime":2871.9,"body":"know why close,"},{"speaker":"Nick Lincoln","startTime":2870.04,"endTime":2871.9,"body":"closing both his protection"},{"speaker":"Nick Lincoln","startTime":2871.9,"endTime":2874.7799999999997,"body":"portal and application services."},{"speaker":"Nick Lincoln","startTime":2871.9,"endTime":2874.7799999999997,"body":"Thank you for your support, and"},{"speaker":"Nick Lincoln","startTime":2874.7799999999997,"endTime":2877.56,"body":"that's it. And you can't find"},{"speaker":"Nick Lincoln","startTime":2874.7799999999997,"endTime":2877.56,"body":"any other reason why. Yeah, did"},{"speaker":"Nick Lincoln","startTime":2877.56,"endTime":2880.2,"body":"not know that. Watch, do you"},{"speaker":"Nick Lincoln","startTime":2877.56,"endTime":2880.2,"body":"have a similar kind of thing in"},{"speaker":"Nick Lincoln","startTime":2880.2,"endTime":2880.98,"body":"your neck of the woods?"},{"speaker":"Carl Widger","startTime":2882.359,"endTime":2885.419,"body":"I don't know. Worry"},{"speaker":"Andy Hart","startTime":2889.02,"endTime":2891.7799999999997,"body":"about a similar"},{"speaker":"Andy Hart","startTime":2889.02,"endTime":2891.7799999999997,"body":"service, but let's say I think"},{"speaker":"Andy Hart","startTime":2891.7799999999997,"endTime":2894.6,"body":"some of your big insurance"},{"speaker":"Andy Hart","startTime":2891.7799999999997,"endTime":2894.6,"body":"companies are like Aviva and"},{"speaker":"Andy Hart","startTime":2894.6,"endTime":2898.16,"body":"Zurich. Let's say, do they have"},{"speaker":"Andy Hart","startTime":2894.6,"endTime":2898.16,"body":"a service where, if I want to"},{"speaker":"Andy Hart","startTime":2898.16,"endTime":2901.7599999999998,"body":"take out some life insurance,"},{"speaker":"Andy Hart","startTime":2898.16,"endTime":2901.7599999999998,"body":"Aviva or jurick Call me as the"},{"speaker":"Andy Hart","startTime":2901.7599999999998,"endTime":2904.4,"body":"end client and run through the"},{"speaker":"Andy Hart","startTime":2901.7599999999998,"endTime":2904.4,"body":"medical questions. Or was always"},{"speaker":"Andy Hart","startTime":2904.4,"endTime":2906.14,"body":"done by Metis, the broker."},{"speaker":"Carl Widger","startTime":2906.919,"endTime":2914.359,"body":"I'm pretty sure"},{"speaker":"Carl Widger","startTime":2906.919,"endTime":2914.359,"body":"it's honest. See, I suppose."},{"speaker":"Carl Widger","startTime":2914.359,"endTime":2919.659,"body":"Look, the thing is, we've, we"},{"speaker":"Carl Widger","startTime":2914.359,"endTime":2919.659,"body":"don't do very much or any of"},{"speaker":"Carl Widger","startTime":2919.659,"endTime":2923.5589999999997,"body":"this because of, I suppose this"},{"speaker":"Carl Widger","startTime":2919.659,"endTime":2923.5589999999997,"body":"is gonna sound terrible, but"},{"speaker":"Carl Widger","startTime":2923.5589999999997,"endTime":2925.959,"body":"because of the level of clients."},{"speaker":"Carl Widger","startTime":2923.5589999999997,"endTime":2925.959,"body":"So a lot of times they'd come"},{"speaker":"Carl Widger","startTime":2925.959,"endTime":2928.239,"body":"with loads of policies. And"},{"speaker":"Carl Widger","startTime":2925.959,"endTime":2928.239,"body":"we're like, you don't, you don't"},{"speaker":"Carl Widger","startTime":2928.239,"endTime":2929.5589999999997,"body":"actually need that stuff, so,"},{"speaker":"Carl Widger","startTime":2928.239,"endTime":2929.5589999999997,"body":"but"},{"speaker":"Andy Hart","startTime":2929.56,"endTime":2931.3599999999997,"body":"don't you do that"},{"speaker":"Andy Hart","startTime":2929.56,"endTime":2931.3599999999997,"body":"estate planning. One. Carl,"},{"speaker":"Andy Hart","startTime":2931.3599999999997,"endTime":2936.16,"body":"yeah, so I do know. I do know."},{"speaker":"Andy Hart","startTime":2931.3599999999997,"endTime":2936.16,"body":"HT, four, oh, it's a win. That."},{"speaker":"Andy Hart","startTime":2936.16,"endTime":2939.24,"body":"Win number section 72 Yeah, 77"},{"speaker":"Andy Hart","startTime":2936.16,"endTime":2939.24,"body":"to this one, yeah."},{"speaker":"Carl Widger","startTime":2939.359,"endTime":2941.279,"body":"So okay, like we"},{"speaker":"Carl Widger","startTime":2939.359,"endTime":2941.279,"body":"do, but we have to"},{"speaker":"Alan Smith","startTime":2942.0,"endTime":2945.72,"body":"sell in 72 corner."},{"speaker":"Alan Smith","startTime":2942.0,"endTime":2945.72,"body":"Yeah, yeah."},{"speaker":"Carl Widger","startTime":2945.719,"endTime":2947.279,"body":"I don't really know"},{"speaker":"Carl Widger","startTime":2945.719,"endTime":2947.279,"body":"how that works, either. So"},{"speaker":"Carl Widger","startTime":2947.459,"endTime":2948.299,"body":"let's, let's move on."},{"speaker":"Andy Hart","startTime":2949.62,"endTime":2952.08,"body":"So if any trawl a"},{"speaker":"Andy Hart","startTime":2949.62,"endTime":2952.08,"body":"better service or similar"},{"speaker":"Andy Hart","startTime":2952.08,"endTime":2955.38,"body":"service to life, quote, please"},{"speaker":"Andy Hart","startTime":2952.08,"endTime":2955.38,"body":"email Nick, what's your email"},{"speaker":"Andy Hart","startTime":2955.38,"endTime":2955.68,"body":"address"},{"speaker":"Nick Lincoln","startTime":2956.159,"endTime":2958.339,"body":"or post it in the"},{"speaker":"Nick Lincoln","startTime":2956.159,"endTime":2958.339,"body":"IFA forum. Tiny.cc/email,"},{"speaker":"Andy Hart","startTime":2959.839,"endTime":2962.1189999999997,"body":"me. You know my email"},{"speaker":"Andy Hart","startTime":2959.839,"endTime":2962.1189999999997,"body":"address. Andy humans"},{"speaker":"Carl Widger","startTime":2962.12,"endTime":2964.52,"body":"on the manager. The"},{"speaker":"Carl Widger","startTime":2962.12,"endTime":2964.52,"body":"question we're going to answer"},{"speaker":"Carl Widger","startTime":2964.52,"endTime":2967.3399999999997,"body":"today, that guy, obvious,"},{"speaker":"Carl Widger","startTime":2964.52,"endTime":2967.3399999999997,"body":"clearly does a lot of this stuff"},{"speaker":"Carl Widger","startTime":2967.3399999999997,"endTime":2967.94,"body":"as well. So"},{"speaker":"Nick Lincoln","startTime":2968.96,"endTime":2971.06,"body":"interesting. So"},{"speaker":"Nick Lincoln","startTime":2968.96,"endTime":2971.06,"body":"there we go. All right market,"},{"speaker":"Nick Lincoln","startTime":2971.06,"endTime":2973.7599999999998,"body":"and if they couldn't make it"},{"speaker":"Nick Lincoln","startTime":2971.06,"endTime":2973.7599999999998,"body":"work, maybe there won't be"},{"speaker":"Nick Lincoln","startTime":2973.7599999999998,"endTime":2977.48,"body":"someone else stepping into their"},{"speaker":"Nick Lincoln","startTime":2973.7599999999998,"endTime":2977.48,"body":"shoes. Who knows? Oh, watch,"},{"speaker":"Nick Lincoln","startTime":2977.48,"endTime":2979.54,"body":"you're the Oh, you are. You"},{"speaker":"Nick Lincoln","startTime":2977.48,"endTime":2979.54,"body":"missed. You are the bit the"},{"speaker":"Nick Lincoln","startTime":2979.54,"endTime":2982.6,"body":"Bitcoin shell on him, my friend."},{"speaker":"Nick Lincoln","startTime":2979.54,"endTime":2982.6,"body":"Go on for to call, yeah, I"},{"speaker":"Carl Widger","startTime":2982.6,"endTime":2985.96,"body":"just, I just said,"},{"speaker":"Carl Widger","startTime":2982.6,"endTime":2985.96,"body":"it would be remiss not to"},{"speaker":"Carl Widger","startTime":2985.96,"endTime":2988.66,"body":"mention the the Bitcoin bull at"},{"speaker":"Carl Widger","startTime":2985.96,"endTime":2988.66,"body":"the moment, I think, has passed"},{"speaker":"Carl Widger","startTime":2988.66,"endTime":2997.08,"body":"$123,000 which is all time high,"},{"speaker":"Carl Widger","startTime":2988.66,"endTime":2997.08,"body":"and surging ahead. I look, I"},{"speaker":"Carl Widger","startTime":2997.08,"endTime":3000.3199999999997,"body":"didn't mention it for that"},{"speaker":"Carl Widger","startTime":2997.08,"endTime":3000.3199999999997,"body":"reason. What I what I was"},{"speaker":"Carl Widger","startTime":3000.3199999999997,"endTime":3009.7999999999997,"body":"interested was the stripe guys"},{"speaker":"Carl Widger","startTime":3000.3199999999997,"endTime":3009.7999999999997,"body":"bought this stablecoin platform,"},{"speaker":"Carl Widger","startTime":3010.46,"endTime":3014.06,"body":"spent a lot of money on it, and"},{"speaker":"Carl Widger","startTime":3010.46,"endTime":3014.06,"body":"they're now lobbying central"},{"speaker":"Carl Widger","startTime":3014.06,"endTime":3018.1,"body":"banks, including the Central"},{"speaker":"Carl Widger","startTime":3014.06,"endTime":3018.1,"body":"Bank of Ireland, to include this"},{"speaker":"Carl Widger","startTime":3018.4,"endTime":3024.22,"body":"as a payment platform going"},{"speaker":"Carl Widger","startTime":3018.4,"endTime":3024.22,"body":"forward. So look, you know, you"},{"speaker":"Carl Widger","startTime":3024.22,"endTime":3028.42,"body":"got to look at at both sides of"},{"speaker":"Carl Widger","startTime":3024.22,"endTime":3028.42,"body":"this coin. Forgive the pun, but"},{"speaker":"Carl Widger","startTime":3028.54,"endTime":3032.14,"body":"I have been critical of it"},{"speaker":"Carl Widger","startTime":3028.54,"endTime":3032.14,"body":"before. It's more and more in"},{"speaker":"Carl Widger","startTime":3032.14,"endTime":3035.5,"body":"the news. Obviously, the Bitcoin"},{"speaker":"Carl Widger","startTime":3032.14,"endTime":3035.5,"body":"ball is a different thing to"},{"speaker":"Carl Widger","startTime":3035.56,"endTime":3038.8199999999997,"body":"stable coin, you know, because"},{"speaker":"Carl Widger","startTime":3035.56,"endTime":3038.8199999999997,"body":"that's a little bit more stable"},{"speaker":"Carl Widger","startTime":3038.8199999999997,"endTime":3043.38,"body":"by its nature. But these, this"},{"speaker":"Carl Widger","startTime":3038.8199999999997,"endTime":3043.38,"body":"crypto thing, this crypto story,"},{"speaker":"Carl Widger","startTime":3043.38,"endTime":3046.14,"body":"I would, you know, the more I'm"},{"speaker":"Carl Widger","startTime":3043.38,"endTime":3046.14,"body":"reading about it, the more I'm"},{"speaker":"Carl Widger","startTime":3046.14,"endTime":3049.38,"body":"seeing that it's going to be"},{"speaker":"Carl Widger","startTime":3046.14,"endTime":3049.38,"body":"here to stay. Is it going to"},{"speaker":"Carl Widger","startTime":3049.38,"endTime":3052.56,"body":"become, I always said, until it"},{"speaker":"Carl Widger","startTime":3049.38,"endTime":3052.56,"body":"becomes mainstream, and not"},{"speaker":"Carl Widger","startTime":3052.56,"endTime":3056.22,"body":"going to consider it. But"},{"speaker":"Carl Widger","startTime":3052.56,"endTime":3056.22,"body":"there's, there's early signs"},{"speaker":"Carl Widger","startTime":3056.2799999999997,"endTime":3060.62,"body":"that indeed it could become more"},{"speaker":"Carl Widger","startTime":3056.2799999999997,"endTime":3060.62,"body":"mainstream. And look, this is"},{"speaker":"Carl Widger","startTime":3060.62,"endTime":3065.42,"body":"the business we're in, the"},{"speaker":"Carl Widger","startTime":3060.62,"endTime":3065.42,"body":"business of money. So to ignore"},{"speaker":"Carl Widger","startTime":3065.42,"endTime":3068.66,"body":"this, and this is always my"},{"speaker":"Carl Widger","startTime":3065.42,"endTime":3068.66,"body":"point, I haven't ignored it so"},{"speaker":"Carl Widger","startTime":3068.66,"endTime":3072.2599999999998,"body":"that the haters would say, Oh,"},{"speaker":"Carl Widger","startTime":3068.66,"endTime":3072.2599999999998,"body":"he just doesn't understand it."},{"speaker":"Carl Widger","startTime":3072.2599999999998,"endTime":3076.04,"body":"I'm reading and reading and"},{"speaker":"Carl Widger","startTime":3072.2599999999998,"endTime":3076.04,"body":"reading with massive interest."},{"speaker":"Carl Widger","startTime":3076.54,"endTime":3080.8599999999997,"body":"Yeah, and I, I'm on record"},{"speaker":"Carl Widger","startTime":3076.54,"endTime":3080.8599999999997,"body":"saying, until it's in the"},{"speaker":"Carl Widger","startTime":3080.8599999999997,"endTime":3085.18,"body":"mainstream, I'm not going to"},{"speaker":"Carl Widger","startTime":3080.8599999999997,"endTime":3085.18,"body":"look at it seriously from a"},{"speaker":"Carl Widger","startTime":3085.54,"endTime":3089.14,"body":"front of investment point of"},{"speaker":"Carl Widger","startTime":3085.54,"endTime":3089.14,"body":"view or using it. But I think"},{"speaker":"Carl Widger","startTime":3089.14,"endTime":3093.22,"body":"that this could well happen. Now"},{"speaker":"Carl Widger","startTime":3089.14,"endTime":3093.22,"body":"at this it looks like this is"},{"speaker":"Carl Widger","startTime":3093.22,"endTime":3097.2599999999998,"body":"going to the central banks are"},{"speaker":"Carl Widger","startTime":3093.22,"endTime":3097.2599999999998,"body":"no longer ignoring us. Put it in"},{"speaker":"Carl Widger","startTime":3097.2599999999998,"endTime":3098.52,"body":"that way. So the moment interest"},{"speaker":"Andy Hart","startTime":3098.52,"endTime":3100.56,"body":"building, building,"},{"speaker":"Andy Hart","startTime":3098.52,"endTime":3100.56,"body":"building, week after week,"},{"speaker":"Alan Smith","startTime":3100.68,"endTime":3104.64,"body":"there is, you guys"},{"speaker":"Alan Smith","startTime":3100.68,"endTime":3104.64,"body":"are familiar with Rick Edelman,"},{"speaker":"Alan Smith","startTime":3105.2999999999997,"endTime":3108.72,"body":"actual planner in the US, like,"},{"speaker":"Alan Smith","startTime":3105.2999999999997,"endTime":3108.72,"body":"probably, I mean, he, I think he"},{"speaker":"Alan Smith","startTime":3108.72,"endTime":3112.02,"body":"built a business bigger than the"},{"speaker":"Alan Smith","startTime":3108.72,"endTime":3112.02,"body":"other guy that we like in"},{"speaker":"Alan Smith","startTime":3112.02,"endTime":3115.5,"body":"Canada. Peter maluke, yeah, he"},{"speaker":"Alan Smith","startTime":3112.02,"endTime":3115.5,"body":"built his, I mean, I think it's"},{"speaker":"Alan Smith","startTime":3115.5,"endTime":3119.24,"body":"the largest RIA in the United"},{"speaker":"Alan Smith","startTime":3115.5,"endTime":3119.24,"body":"States, you know, whatever,"},{"speaker":"Alan Smith","startTime":3119.24,"endTime":3124.04,"body":"hundreds and hundreds of"},{"speaker":"Alan Smith","startTime":3119.24,"endTime":3124.04,"body":"billions. Aum, he's just issued"},{"speaker":"Alan Smith","startTime":3124.04,"endTime":3127.46,"body":"a paper. She's going, he's no"},{"speaker":"Alan Smith","startTime":3124.04,"endTime":3127.46,"body":"dummy, right? So he's just"},{"speaker":"Alan Smith","startTime":3127.46,"endTime":3131.0,"body":"issued a paper called, I just"},{"speaker":"Alan Smith","startTime":3127.46,"endTime":3131.0,"body":"looked it up now, the death, the"},{"speaker":"Alan Smith","startTime":3131.18,"endTime":3134.24,"body":"death of 6040, and why your"},{"speaker":"Alan Smith","startTime":3131.18,"endTime":3134.24,"body":"crypto allocation should be"},{"speaker":"Alan Smith","startTime":3134.24,"endTime":3138.8199999999997,"body":"between 10% and 40% that suit, I"},{"speaker":"Alan Smith","startTime":3134.24,"endTime":3138.8199999999997,"body":"haven't read it, but it's very"},{"speaker":"Alan Smith","startTime":3138.8199999999997,"endTime":3141.64,"body":"detailed. I probably pop a link"},{"speaker":"Alan Smith","startTime":3138.8199999999997,"endTime":3141.64,"body":"in it, so you're right. Carl,"},{"speaker":"Alan Smith","startTime":3141.7599999999998,"endTime":3144.3399999999997,"body":"whether you whether we like it"},{"speaker":"Alan Smith","startTime":3141.7599999999998,"endTime":3144.3399999999997,"body":"or not, whether we embrace it or"},{"speaker":"Alan Smith","startTime":3144.3399999999997,"endTime":3147.8199999999997,"body":"not, that's the direction of"},{"speaker":"Alan Smith","startTime":3144.3399999999997,"endTime":3147.8199999999997,"body":"travel. Somebody said, Bitcoin."},{"speaker":"Alan Smith","startTime":3147.8199999999997,"endTime":3151.6,"body":"I think Michael Saylor, Bitcoin"},{"speaker":"Alan Smith","startTime":3147.8199999999997,"endTime":3151.6,"body":"is either going to zero or a"},{"speaker":"Alan Smith","startTime":3151.6,"endTime":3153.7,"body":"million, and I don't think it's"},{"speaker":"Alan Smith","startTime":3151.6,"endTime":3153.7,"body":"going to zero."},{"speaker":"Carl Widger","startTime":3154.719,"endTime":3158.0989999999997,"body":"Yeah, like, so just"},{"speaker":"Carl Widger","startTime":3154.719,"endTime":3158.0989999999997,"body":"on that, right? So I'm listening"},{"speaker":"Carl Widger","startTime":3158.0989999999997,"endTime":3161.279,"body":"to all these guys, right? The"},{"speaker":"Carl Widger","startTime":3158.0989999999997,"endTime":3161.279,"body":"Michael Saylor is, like, I just"},{"speaker":"Carl Widger","startTime":3161.279,"endTime":3164.999,"body":"don't get him at all. I'm sorry,"},{"speaker":"Carl Widger","startTime":3161.279,"endTime":3164.999,"body":"right? I This is like, I've got"},{"speaker":"Carl Widger","startTime":3164.999,"endTime":3168.0589999999997,"body":"the only fish. So I'm gonna say"},{"speaker":"Carl Widger","startTime":3164.999,"endTime":3168.0589999999997,"body":"that everyone should eat fish"},{"speaker":"Carl Widger","startTime":3168.0589999999997,"endTime":3172.199,"body":"all the time. It's like, the guy"},{"speaker":"Carl Widger","startTime":3168.0589999999997,"endTime":3172.199,"body":"is, he does no balance"},{"speaker":"Carl Widger","startTime":3172.259,"endTime":3176.899,"body":"whatsoever with what he's"},{"speaker":"Carl Widger","startTime":3172.259,"endTime":3176.899,"body":"saying. It's just all, it's all,"},{"speaker":"Carl Widger","startTime":3176.899,"endTime":3181.519,"body":"we're just going Ultra in on"},{"speaker":"Carl Widger","startTime":3176.899,"endTime":3181.519,"body":"crypto. That's, that's never,"},{"speaker":"Carl Widger","startTime":3181.519,"endTime":3185.959,"body":"ever, ever going to be the"},{"speaker":"Carl Widger","startTime":3181.519,"endTime":3185.959,"body":"solution. My, you know, um,"},{"speaker":"Carl Widger","startTime":3186.739,"endTime":3190.0389999999998,"body":"should we consider at some stage"},{"speaker":"Carl Widger","startTime":3186.739,"endTime":3190.0389999999998,"body":"down the line, if this becomes"},{"speaker":"Carl Widger","startTime":3190.0389999999998,"endTime":3194.839,"body":"more mainstream, an allocation?"},{"speaker":"Carl Widger","startTime":3190.0389999999998,"endTime":3194.839,"body":"I struggle. I've said this to"},{"speaker":"Carl Widger","startTime":3194.839,"endTime":3197.979,"body":"you guys when we, when we did"},{"speaker":"Carl Widger","startTime":3194.839,"endTime":3197.979,"body":"the crypto episode, I struggle"},{"speaker":"Carl Widger","startTime":3197.979,"endTime":3202.179,"body":"with it as an asset class is not"},{"speaker":"Carl Widger","startTime":3197.979,"endTime":3202.179,"body":"a currency. And, you know, would"},{"speaker":"Carl Widger","startTime":3202.179,"endTime":3205.359,"body":"I be putting a load of dollars"},{"speaker":"Carl Widger","startTime":3202.179,"endTime":3205.359,"body":"or euros or yen into my"},{"speaker":"Carl Widger","startTime":3205.359,"endTime":3212.379,"body":"portfolios? No, um, but look,"},{"speaker":"Carl Widger","startTime":3205.359,"endTime":3212.379,"body":"I'm, I'm open, and it's, it's"},{"speaker":"Carl Widger","startTime":3212.379,"endTime":3215.5589999999997,"body":"definitely, as you say, Alan, I"},{"speaker":"Carl Widger","startTime":3212.379,"endTime":3215.5589999999997,"body":"don't think this thing is going"},{"speaker":"Carl Widger","startTime":3215.5589999999997,"endTime":3216.159,"body":"to zero."},{"speaker":"Alan Smith","startTime":3216.399,"endTime":3219.359,"body":"No. This. Keep an"},{"speaker":"Alan Smith","startTime":3216.399,"endTime":3219.359,"body":"open mind, yeah, yeah. I think,"},{"speaker":"Alan Smith","startTime":3219.359,"endTime":3222.299,"body":"I think the lot, when we did do"},{"speaker":"Alan Smith","startTime":3219.359,"endTime":3222.299,"body":"that episode, I think all the"},{"speaker":"Alan Smith","startTime":3222.779,"endTime":3225.479,"body":"hardcore Bitcoiners, I know they"},{"speaker":"Alan Smith","startTime":3222.779,"endTime":3225.479,"body":"had a lot of respect for what"},{"speaker":"Alan Smith","startTime":3225.479,"endTime":3229.979,"body":"you said, Carl, which was, you"},{"speaker":"Alan Smith","startTime":3225.479,"endTime":3229.979,"body":"know, and if it does become"},{"speaker":"Alan Smith","startTime":3230.159,"endTime":3233.6389999999997,"body":"micros, if you own stocks,"},{"speaker":"Alan Smith","startTime":3230.159,"endTime":3233.6389999999997,"body":"you're going to own some of"},{"speaker":"Alan Smith","startTime":3233.6389999999997,"endTime":3235.859,"body":"this, whether you like it or"},{"speaker":"Alan Smith","startTime":3233.6389999999997,"endTime":3235.859,"body":"not, yeah. You know, as"},{"speaker":"Alan Smith","startTime":3235.859,"endTime":3239.719,"body":"MicroStrategy, as part of the"},{"speaker":"Alan Smith","startTime":3235.859,"endTime":3239.719,"body":"become an S and p5 100 company,"},{"speaker":"Alan Smith","startTime":3239.719,"endTime":3240.0789999999997,"body":"etc."},{"speaker":"Andy Hart","startTime":3240.08,"endTime":3242.96,"body":"I think as"},{"speaker":"Andy Hart","startTime":3240.08,"endTime":3242.96,"body":"professional advisors, you"},{"speaker":"Andy Hart","startTime":3242.96,"endTime":3246.08,"body":"should all listen to Michael"},{"speaker":"Andy Hart","startTime":3242.96,"endTime":3246.08,"body":"Saylor talks. Yeah, you know,"},{"speaker":"Andy Hart","startTime":3246.08,"endTime":3249.3199999999997,"body":"take, take from them, what you"},{"speaker":"Andy Hart","startTime":3246.08,"endTime":3249.3199999999997,"body":"wish. I think they're insanely"},{"speaker":"Andy Hart","startTime":3249.3199999999997,"endTime":3253.58,"body":"insightful. I think I've seen"},{"speaker":"Andy Hart","startTime":3249.3199999999997,"endTime":3253.58,"body":"three recently, you know,"},{"speaker":"Andy Hart","startTime":3253.58,"endTime":3256.48,"body":"keynote talks. And they're,"},{"speaker":"Andy Hart","startTime":3253.58,"endTime":3256.48,"body":"they're actually mind blowing."},{"speaker":"Carl Widger","startTime":3256.839,"endTime":3260.6189999999997,"body":"I don't know. I"},{"speaker":"Carl Widger","startTime":3256.839,"endTime":3260.6189999999997,"body":"don't know. Everyone's"},{"speaker":"Carl Widger","startTime":3260.6189999999997,"endTime":3261.0389999999998,"body":"different."},{"speaker":"Andy Hart","startTime":3261.7,"endTime":3262.54,"body":"I like"},{"speaker":"Nick Lincoln","startTime":3263.38,"endTime":3265.8399999999997,"body":"him. What You Wish"},{"speaker":"Nick Lincoln","startTime":3263.38,"endTime":3265.8399999999997,"body":"he sounds doesn't"},{"speaker":"Alan Smith","startTime":3265.839,"endTime":3267.819,"body":"go into the"},{"speaker":"Alan Smith","startTime":3265.839,"endTime":3267.819,"body":"financial engineering in great"},{"speaker":"Alan Smith","startTime":3267.819,"endTime":3270.999,"body":"detail, the one he did with"},{"speaker":"Alan Smith","startTime":3267.819,"endTime":3270.999,"body":"Jordan Peterson about a month"},{"speaker":"Alan Smith","startTime":3270.999,"endTime":3272.5589999999997,"body":"ago, Egypt. Because"},{"speaker":"Andy Hart","startTime":3272.62,"endTime":3274.3599999999997,"body":"Jordan just he's an"},{"speaker":"Andy Hart","startTime":3272.62,"endTime":3274.3599999999997,"body":"he's a"},{"speaker":"Carl Widger","startTime":3275.38,"endTime":3277.74,"body":"normal. Did you"},{"speaker":"Carl Widger","startTime":3275.38,"endTime":3277.74,"body":"sorry, Alan, for interrupting."},{"speaker":"Carl Widger","startTime":3277.74,"endTime":3280.68,"body":"But did you watch the Bloomberg"},{"speaker":"Carl Widger","startTime":3277.74,"endTime":3280.68,"body":"interview? He did. I'm like,"},{"speaker":"Carl Widger","startTime":3280.7999999999997,"endTime":3284.1,"body":"this is like a guy flogging"},{"speaker":"Carl Widger","startTime":3280.7999999999997,"endTime":3284.1,"body":"stuff. Yeah? I want"},{"speaker":"Alan Smith","startTime":3284.1,"endTime":3287.7599999999998,"body":"to hear he's very"},{"speaker":"Alan Smith","startTime":3284.1,"endTime":3287.7599999999998,"body":"passionate about this higher,"},{"speaker":"Alan Smith","startTime":3288.0,"endTime":3290.4,"body":"new monetary system. He's a"},{"speaker":"Alan Smith","startTime":3288.0,"endTime":3290.4,"body":"very, very experienced"},{"speaker":"Alan Smith","startTime":3290.4,"endTime":3292.74,"body":"businessman, but it's in"},{"speaker":"Alan Smith","startTime":3290.4,"endTime":3292.74,"body":"business for, I think that's the"},{"speaker":"Alan Smith","startTime":3292.74,"endTime":3295.7999999999997,"body":"seven years. Yeah. Jordan"},{"speaker":"Alan Smith","startTime":3292.74,"endTime":3295.7999999999997,"body":"Peterson story is great because"},{"speaker":"Alan Smith","startTime":3295.7999999999997,"endTime":3300.98,"body":"he pulls podcast because he"},{"speaker":"Alan Smith","startTime":3295.7999999999997,"endTime":3300.98,"body":"explains why he got he was, he"},{"speaker":"Andy Hart","startTime":3300.98,"endTime":3303.98,"body":"was very anti story."},{"speaker":"Andy Hart","startTime":3300.98,"endTime":3303.98,"body":"He just talks at Jordan, which"},{"speaker":"Andy Hart","startTime":3303.98,"endTime":3306.8599999999997,"body":"is, which is fine. He is the"},{"speaker":"Andy Hart","startTime":3303.98,"endTime":3306.8599999999997,"body":"guest. Well, it's unusual for"},{"speaker":"Andy Hart","startTime":3306.8599999999997,"endTime":3308.06,"body":"Jordan not to Jordan. I"},{"speaker":"Carl Widger","startTime":3309.02,"endTime":3311.42,"body":"took a little bit"},{"speaker":"Carl Widger","startTime":3309.02,"endTime":3311.42,"body":"of comfort from that. I said"},{"speaker":"Carl Widger","startTime":3311.42,"endTime":3314.48,"body":"that to you guys, Jordan"},{"speaker":"Carl Widger","startTime":3311.42,"endTime":3314.48,"body":"Peterson, just let him ramble"},{"speaker":"Carl Widger","startTime":3314.48,"endTime":3317.08,"body":"right. Yeah. And I'm like, does"},{"speaker":"Carl Widger","startTime":3314.48,"endTime":3317.08,"body":"Jordan Peterson not understand"},{"speaker":"Carl Widger","startTime":3317.08,"endTime":3319.6,"body":"crypto, because there was no"},{"speaker":"Carl Widger","startTime":3317.08,"endTime":3319.6,"body":"pushback at all on something"},{"speaker":"Nick Lincoln","startTime":3319.6,"endTime":3321.46,"body":"I think he does."},{"speaker":"Nick Lincoln","startTime":3319.6,"endTime":3321.46,"body":"And I think to his credit, he"},{"speaker":"Nick Lincoln","startTime":3321.46,"endTime":3324.94,"body":"sometimes he can dominate. He"},{"speaker":"Nick Lincoln","startTime":3321.46,"endTime":3324.94,"body":"can dominate his interviews."},{"speaker":"Nick Lincoln","startTime":3325.42,"endTime":3328.2999999999997,"body":"Jordan Peterson, somebody step"},{"speaker":"Nick Lincoln","startTime":3325.42,"endTime":3328.2999999999997,"body":"back, because he's just out of"},{"speaker":"Nick Lincoln","startTime":3328.7799999999997,"endTime":3329.2,"body":"his field"},{"speaker":"Andy Hart","startTime":3329.199,"endTime":3331.479,"body":"of comfort. It was"},{"speaker":"Andy Hart","startTime":3329.199,"endTime":3331.479,"body":"business and finance range, you"},{"speaker":"Andy Hart","startTime":3331.479,"endTime":3333.759,"body":"know, psychology and human"},{"speaker":"Nick Lincoln","startTime":3333.819,"endTime":3336.5989999999997,"body":"behavior. Guys,"},{"speaker":"Nick Lincoln","startTime":3333.819,"endTime":3336.5989999999997,"body":"sorry, so we got one Well, Andy"},{"speaker":"Nick Lincoln","startTime":3336.5989999999997,"endTime":3339.419,"body":"will hold over your valid pass"},{"speaker":"Nick Lincoln","startTime":3336.5989999999997,"endTime":3339.419,"body":"one, but we will do the good"},{"speaker":"Nick Lincoln","startTime":3339.419,"endTime":3339.5989999999997,"body":"news."},{"speaker":"Andy Hart","startTime":3340.98,"endTime":3343.68,"body":"This is very brief. I"},{"speaker":"Andy Hart","startTime":3340.98,"endTime":3343.68,"body":"talked about this a couple of"},{"speaker":"Andy Hart","startTime":3343.68,"endTime":3346.7999999999997,"body":"times, so my dogs barking in the"},{"speaker":"Andy Hart","startTime":3343.68,"endTime":3346.7999999999997,"body":"background. I spoke about it a"},{"speaker":"Andy Hart","startTime":3346.7999999999997,"endTime":3350.58,"body":"trap live. This is the new"},{"speaker":"Andy Hart","startTime":3346.7999999999997,"endTime":3350.58,"body":"regulation coming down the"},{"speaker":"Andy Hart","startTime":3350.88,"endTime":3355.2,"body":"coming down the road, in terms"},{"speaker":"Andy Hart","startTime":3350.88,"endTime":3355.2,"body":"of Companies House, forcing all"},{"speaker":"Andy Hart","startTime":3355.38,"endTime":3358.2799999999997,"body":"small companies to basically"},{"speaker":"Andy Hart","startTime":3355.38,"endTime":3358.2799999999997,"body":"submit a load more company"},{"speaker":"Andy Hart","startTime":3358.2799999999997,"endTime":3360.98,"body":"information, profit, loss and"},{"speaker":"Andy Hart","startTime":3358.2799999999997,"endTime":3360.98,"body":"all this sort of stuff, which I"},{"speaker":"Andy Hart","startTime":3360.98,"endTime":3363.2,"body":"think is very anti business. You"},{"speaker":"Andy Hart","startTime":3360.98,"endTime":3363.2,"body":"know, the the death of the young"},{"speaker":"Andy Hart","startTime":3363.2,"endTime":3366.74,"body":"business, the move towards big"},{"speaker":"Andy Hart","startTime":3363.2,"endTime":3366.74,"body":"businesses, over over small"},{"speaker":"Andy Hart","startTime":3366.74,"endTime":3369.7999999999997,"body":"businesses. None of this fake it"},{"speaker":"Andy Hart","startTime":3366.74,"endTime":3369.7999999999997,"body":"till you make it. You know."},{"speaker":"Andy Hart","startTime":3369.7999999999997,"endTime":3372.3199999999997,"body":"Every single person you know in"},{"speaker":"Andy Hart","startTime":3369.7999999999997,"endTime":3372.3199999999997,"body":"your entire world knows your"},{"speaker":"Andy Hart","startTime":3372.3199999999997,"endTime":3374.7799999999997,"body":"full financial details of the"},{"speaker":"Andy Hart","startTime":3372.3199999999997,"endTime":3374.7799999999997,"body":"companies you run, it that you"},{"speaker":"Andy Hart","startTime":3374.7799999999997,"endTime":3377.7999999999997,"body":"run, blah, blah, blah, it was."},{"speaker":"Andy Hart","startTime":3374.7799999999997,"endTime":3377.7999999999997,"body":"Meant to be Companies House,"},{"speaker":"Andy Hart","startTime":3377.7999999999997,"endTime":3381.3399999999997,"body":"sent out millions of emails to"},{"speaker":"Andy Hart","startTime":3377.7999999999997,"endTime":3381.3399999999997,"body":"all the people that registered"},{"speaker":"Andy Hart","startTime":3381.3399999999997,"endTime":3383.56,"body":"with Companies House, which is"},{"speaker":"Andy Hart","startTime":3381.3399999999997,"endTime":3383.56,"body":"all the business owners in the"},{"speaker":"Andy Hart","startTime":3383.56,"endTime":3388.18,"body":"UK, telling us that on April"},{"speaker":"Andy Hart","startTime":3383.56,"endTime":3388.18,"body":"2027, new rules, full"},{"speaker":"Andy Hart","startTime":3388.18,"endTime":3392.44,"body":"disclosure. Now they've paused"},{"speaker":"Andy Hart","startTime":3388.18,"endTime":3392.44,"body":"it. So what I'm saying these"},{"speaker":"Andy Hart","startTime":3392.44,"endTime":3396.04,"body":"government projects that get"},{"speaker":"Andy Hart","startTime":3392.44,"endTime":3396.04,"body":"muted, and it's like, will they"},{"speaker":"Andy Hart","startTime":3396.04,"endTime":3398.2,"body":"get off the ground? Will they"},{"speaker":"Andy Hart","startTime":3396.04,"endTime":3398.2,"body":"not get off the ground? Some get"},{"speaker":"Andy Hart","startTime":3398.2,"endTime":3400.38,"body":"off the ground some get off the"},{"speaker":"Andy Hart","startTime":3398.2,"endTime":3400.38,"body":"ground, and they spend millions"},{"speaker":"Andy Hart","startTime":3400.38,"endTime":3403.56,"body":"and millions and millions and"},{"speaker":"Andy Hart","startTime":3400.38,"endTime":3403.56,"body":"millions and then decide to pull"},{"speaker":"Andy Hart","startTime":3403.56,"endTime":3407.4,"body":"it, you know. So it's raising"},{"speaker":"Andy Hart","startTime":3403.56,"endTime":3407.4,"body":"taxes to pay for things that is"},{"speaker":"Andy Hart","startTime":3407.4,"endTime":3410.7,"body":"just an utter waste. But anyway,"},{"speaker":"Andy Hart","startTime":3407.4,"endTime":3410.7,"body":"good news and sense has"},{"speaker":"Andy Hart","startTime":3410.7,"endTime":3414.3599999999997,"body":"prevailed, and they're saying"},{"speaker":"Andy Hart","startTime":3410.7,"endTime":3414.3599999999997,"body":"now nothing's going to change,"},{"speaker":"Andy Hart","startTime":3414.48,"endTime":3416.96,"body":"you know, just continue to do"},{"speaker":"Andy Hart","startTime":3414.48,"endTime":3416.96,"body":"what you're doing. So we can"},{"speaker":"Andy Hart","startTime":3416.96,"endTime":3420.2599999999998,"body":"still submit abbreviated"},{"speaker":"Andy Hart","startTime":3416.96,"endTime":3420.2599999999998,"body":"accounts if our turnover is less"},{"speaker":"Andy Hart","startTime":3420.2599999999998,"endTime":3422.6,"body":"than, I think, 10 point 2"},{"speaker":"Andy Hart","startTime":3420.2599999999998,"endTime":3422.6,"body":"million or something like that,"},{"speaker":"Andy Hart","startTime":3422.6,"endTime":3427.58,"body":"one, 5.1 Okay, so is that what"},{"speaker":"Andy Hart","startTime":3422.6,"endTime":3427.58,"body":"it is, which is fortunate?"},{"speaker":"Andy Hart","startTime":3430.1,"endTime":3431.42,"body":"Interesting? Yeah, so good news"},{"speaker":"Nick Lincoln","startTime":3431.42,"endTime":3432.98,"body":"company owners, it"},{"speaker":"Nick Lincoln","startTime":3431.42,"endTime":3432.98,"body":"is"},{"speaker":"Andy Hart","startTime":3433.4,"endTime":3436.8399999999997,"body":"your father in law is"},{"speaker":"Andy Hart","startTime":3433.4,"endTime":3436.8399999999997,"body":"not going to be crawling through"},{"speaker":"Andy Hart","startTime":3436.8399999999997,"endTime":3440.14,"body":"your accounts and, you know,"},{"speaker":"Andy Hart","startTime":3436.8399999999997,"endTime":3440.14,"body":"telling you to pick up the bill"},{"speaker":"Andy Hart","startTime":3440.14,"endTime":3443.74,"body":"for some obscure reason, a"},{"speaker":"Andy Hart","startTime":3440.14,"endTime":3443.74,"body":"restaurant or something, anyway."},{"speaker":"Andy Hart","startTime":3443.7999999999997,"endTime":3447.58,"body":"So, yeah, good news. I think you"},{"speaker":"Andy Hart","startTime":3443.7999999999997,"endTime":3447.58,"body":"know, it's pro entrepreneur."},{"speaker":"Andy Hart","startTime":3447.58,"endTime":3450.04,"body":"It's pro young company. It's pro"},{"speaker":"Andy Hart","startTime":3447.58,"endTime":3450.04,"body":"business owner."},{"speaker":"Nick Lincoln","startTime":3450.22,"endTime":3453.16,"body":"Yeah, totally"},{"speaker":"Nick Lincoln","startTime":3450.22,"endTime":3453.16,"body":"okay. Good stuff. Because, okay,"},{"speaker":"Nick Lincoln","startTime":3453.22,"endTime":3458.04,"body":"so 56 minutes into Episode 75 of"},{"speaker":"Nick Lincoln","startTime":3453.22,"endTime":3458.04,"body":"the real advisor podcast, and"},{"speaker":"Nick Lincoln","startTime":3458.04,"endTime":3462.6,"body":"it's time. Let me move on to the"},{"speaker":"Nick Lincoln","startTime":3458.04,"endTime":3462.6,"body":"meat and potatoes of the show."},{"speaker":"Nick Lincoln","startTime":3462.6,"endTime":3467.46,"body":"Now, storyteller, you went up to"},{"speaker":"Nick Lincoln","startTime":3462.6,"endTime":3467.46,"body":"Manchester to speak to the play"},{"speaker":"Nick Lincoln","startTime":3467.46,"endTime":3470.04,"body":"next conference, and we're"},{"speaker":"Nick Lincoln","startTime":3467.46,"endTime":3470.04,"body":"getting it right so far. And"},{"speaker":"Nick Lincoln","startTime":3470.04,"endTime":3473.04,"body":"your speech was well received by"},{"speaker":"Nick Lincoln","startTime":3470.04,"endTime":3473.04,"body":"people listening to Radio two on"},{"speaker":"Nick Lincoln","startTime":3473.04,"endTime":3475.44,"body":"headphones while they just"},{"speaker":"Nick Lincoln","startTime":3473.04,"endTime":3475.44,"body":"nodded at you and nodded off."},{"speaker":"Nick Lincoln","startTime":3475.44,"endTime":3477.38,"body":"Tell us what your speech was"},{"speaker":"Nick Lincoln","startTime":3475.44,"endTime":3477.38,"body":"about."},{"speaker":"Alan Smith","startTime":3478.3399999999997,"endTime":3481.2799999999997,"body":"Well, it was a"},{"speaker":"Alan Smith","startTime":3478.3399999999997,"endTime":3481.2799999999997,"body":"conversation, and let me give"},{"speaker":"Alan Smith","startTime":3481.2799999999997,"endTime":3486.98,"body":"you some some background. Nick,"},{"speaker":"Alan Smith","startTime":3481.2799999999997,"endTime":3486.98,"body":"get ready. Hop it with your"},{"speaker":"Alan Smith","startTime":3486.98,"endTime":3492.2,"body":"finger, because I want to tell a"},{"speaker":"Alan Smith","startTime":3486.98,"endTime":3492.2,"body":"backstory about where this came"},{"speaker":"Alan Smith","startTime":3492.2,"endTime":3492.5,"body":"about."},{"speaker":"Unknown","startTime":3495.44,"endTime":3500.3199999999997,"body":"Grab yourself a drink,"},{"speaker":"Unknown","startTime":3495.44,"endTime":3500.3199999999997,"body":"a very long drink. It's story"},{"speaker":"Unknown","startTime":3500.3199999999997,"endTime":3502.54,"body":"time with Alan Smith,"},{"speaker":"Alan Smith","startTime":3505.06,"endTime":3507.1,"body":"yeah, shoehorned"},{"speaker":"Alan Smith","startTime":3505.06,"endTime":3507.1,"body":"that one in. It's been a while,"},{"speaker":"Alan Smith","startTime":3507.22,"endTime":3513.22,"body":"so thank you for that. When did"},{"speaker":"Alan Smith","startTime":3507.22,"endTime":3513.22,"body":"England win the Rugby World Cup?"},{"speaker":"Alan Smith","startTime":3513.64,"endTime":3518.46,"body":"2003 2003 correct? You're never"},{"speaker":"Alan Smith","startTime":3513.64,"endTime":3518.46,"body":"gonna forget that year. Are you?"},{"speaker":"Alan Smith","startTime":3518.8199999999997,"endTime":3523.92,"body":"I Carl's gone. That's all it"},{"speaker":"Alan Smith","startTime":3518.8199999999997,"endTime":3523.92,"body":"took. That's all it took. So"},{"speaker":"Alan Smith","startTime":3524.7599999999998,"endTime":3528.66,"body":"ring rose anyway, gone England,"},{"speaker":"Alan Smith","startTime":3524.7599999999998,"endTime":3528.66,"body":"won the World Cup 2003 with,"},{"speaker":"Alan Smith","startTime":3528.66,"endTime":3532.08,"body":"let's face it, a, well, I'll put"},{"speaker":"Alan Smith","startTime":3528.66,"endTime":3532.08,"body":"it politely, a team that wasn't"},{"speaker":"Alan Smith","startTime":3532.08,"endTime":3535.44,"body":"favorites to win the World Cup"},{"speaker":"Alan Smith","startTime":3532.08,"endTime":3535.44,"body":"down in Australia, but they won"},{"speaker":"Alan Smith","startTime":3535.44,"endTime":3538.46,"body":"it. So they were champions of"},{"speaker":"Alan Smith","startTime":3535.44,"endTime":3538.46,"body":"the world. I started my business"},{"speaker":"Alan Smith","startTime":3538.46,"endTime":3544.58,"body":"in 2004 and shortly after that,"},{"speaker":"Alan Smith","startTime":3538.46,"endTime":3544.58,"body":"the England coach Clive Woodward"},{"speaker":"Alan Smith","startTime":3544.58,"endTime":3549.8599999999997,"body":"wrote a book about how he took"},{"speaker":"Alan Smith","startTime":3544.58,"endTime":3549.8599999999997,"body":"this ragtag team of mediocre"},{"speaker":"Alan Smith","startTime":3549.8599999999997,"endTime":3552.56,"body":"rugby players to become world"},{"speaker":"Alan Smith","startTime":3549.8599999999997,"endTime":3552.56,"body":"champions. But it was called"},{"speaker":"Alan Smith","startTime":3552.56,"endTime":3555.44,"body":"winning. I read a lot of sports"},{"speaker":"Alan Smith","startTime":3552.56,"endTime":3555.44,"body":"biographies, and I thought it"},{"speaker":"Alan Smith","startTime":3555.44,"endTime":3560.2,"body":"was a fabulous book, and I began"},{"speaker":"Alan Smith","startTime":3555.44,"endTime":3560.2,"body":"to adopt some of the"},{"speaker":"Alan Smith","startTime":3560.3199999999997,"endTime":3563.74,"body":"philosophies that Woodward"},{"speaker":"Alan Smith","startTime":3560.3199999999997,"endTime":3563.74,"body":"brought in. And I won't go"},{"speaker":"Alan Smith","startTime":3563.74,"endTime":3566.44,"body":"through them all within the"},{"speaker":"Alan Smith","startTime":3563.74,"endTime":3566.44,"body":"rugby team, but it's exact. Is"},{"speaker":"Alan Smith","startTime":3566.44,"endTime":3570.22,"body":"exactly the same as some some"},{"speaker":"Alan Smith","startTime":3566.44,"endTime":3570.22,"body":"years later Dave Brailsford, the"},{"speaker":"Alan Smith","startTime":3570.22,"endTime":3574.0,"body":"British Cycling Team, brought in"},{"speaker":"Alan Smith","startTime":3570.22,"endTime":3574.0,"body":"and took them from also RANS and"},{"speaker":"Alan Smith","startTime":3574.0,"endTime":3577.38,"body":"really, really, really bad"},{"speaker":"Alan Smith","startTime":3574.0,"endTime":3577.38,"body":"cycling team, to win, whatever"},{"speaker":"Alan Smith","startTime":3577.38,"endTime":3579.18,"body":"it was, 12 gold medals. So"},{"speaker":"Carl Widger","startTime":3579.54,"endTime":3582.18,"body":"when I interrupt"},{"speaker":"Carl Widger","startTime":3579.54,"endTime":3582.18,"body":"your story, because, yeah, like,"},{"speaker":"Carl Widger","startTime":3582.18,"endTime":3585.06,"body":"They that is a brilliant,"},{"speaker":"Carl Widger","startTime":3582.18,"endTime":3585.06,"body":"brilliant book. So anybody, if"},{"speaker":"Carl Widger","startTime":3585.06,"endTime":3587.88,"body":"you're interested in psychology"},{"speaker":"Carl Widger","startTime":3585.06,"endTime":3587.88,"body":"and the psychology of"},{"speaker":"Carl Widger","startTime":3587.88,"endTime":3590.7599999999998,"body":"achievement, you should read"},{"speaker":"Carl Widger","startTime":3587.88,"endTime":3590.7599999999998,"body":"that book and thinking clearly"},{"speaker":"Carl Widger","startTime":3590.7599999999998,"endTime":3594.06,"body":"under pressure. But I would"},{"speaker":"Carl Widger","startTime":3590.7599999999998,"endTime":3594.06,"body":"argue it was not a rag tag team."},{"speaker":"Carl Widger","startTime":3594.06,"endTime":3596.9,"body":"They had already gone, you know,"},{"speaker":"Carl Widger","startTime":3594.06,"endTime":3596.9,"body":"to the southern hemisphere and"},{"speaker":"Carl Widger","startTime":3597.02,"endTime":3601.7,"body":"one, one they were, they were on"},{"speaker":"Carl Widger","startTime":3597.02,"endTime":3601.7,"body":"the up for sure, all credit to"},{"speaker":"Carl Widger","startTime":3601.7,"endTime":3602.06,"body":"him,"},{"speaker":"Alan Smith","startTime":3602.06,"endTime":3604.4,"body":"because he created."},{"speaker":"Alan Smith","startTime":3602.06,"endTime":3604.4,"body":"But remember, they, they, I"},{"speaker":"Alan Smith","startTime":3604.4,"endTime":3607.46,"body":"can't remember the games, but"},{"speaker":"Alan Smith","startTime":3604.4,"endTime":3607.46,"body":"they struggled in the qualifying"},{"speaker":"Alan Smith","startTime":3607.46,"endTime":3608.66,"body":"runs, the earlier games. They"},{"speaker":"Nick Lincoln","startTime":3608.659,"endTime":3610.699,"body":"actually peaked."},{"speaker":"Nick Lincoln","startTime":3608.659,"endTime":3610.699,"body":"They peaked before the World"},{"speaker":"Nick Lincoln","startTime":3610.699,"endTime":3614.479,"body":"Cup. That was the year when they"},{"speaker":"Nick Lincoln","startTime":3610.699,"endTime":3614.479,"body":"came to Dublin and gave your get"},{"speaker":"Nick Lincoln","startTime":3614.479,"endTime":3616.5789999999997,"body":"the Irish. You know, the"},{"speaker":"Nick Lincoln","startTime":3614.479,"endTime":3616.5789999999997,"body":"pummeling, wouldn't it? Yeah,"},{"speaker":"Nick Lincoln","startTime":3616.6389999999997,"endTime":3619.5389999999998,"body":"that's flashy, yeah. And they"},{"speaker":"Nick Lincoln","startTime":3616.6389999999997,"endTime":3619.5389999999998,"body":"were kind of coming through a"},{"speaker":"Nick Lincoln","startTime":3619.5389999999998,"endTime":3620.799,"body":"comment."},{"speaker":"Alan Smith","startTime":3621.4,"endTime":3626.02,"body":"So and he, and he"},{"speaker":"Alan Smith","startTime":3621.4,"endTime":3626.02,"body":"unpacked a lot of the these"},{"speaker":"Alan Smith","startTime":3626.2,"endTime":3629.2,"body":"small things that made the, if"},{"speaker":"Alan Smith","startTime":3626.2,"endTime":3629.2,"body":"you added them all up together,"},{"speaker":"Alan Smith","startTime":3629.2,"endTime":3633.2799999999997,"body":"made them far more successful."},{"speaker":"Alan Smith","startTime":3629.2,"endTime":3633.2799999999997,"body":"And Clive would refer to so if"},{"speaker":"Alan Smith","startTime":3633.2799999999997,"endTime":3635.44,"body":"you know Clive Woodward's"},{"speaker":"Alan Smith","startTime":3633.2799999999997,"endTime":3635.44,"body":"background, he straddled the"},{"speaker":"Alan Smith","startTime":3635.44,"endTime":3637.62,"body":"profession of the amateur,"},{"speaker":"Alan Smith","startTime":3635.44,"endTime":3637.62,"body":"professional era. 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And he had come across"},{"speaker":"Alan Smith","startTime":3649.5,"endTime":3653.58,"body":"somebody, a dentist, of all"},{"speaker":"Alan Smith","startTime":3653.58,"endTime":3656.2999999999997,"body":"things, by the name of paddy"},{"speaker":"Alan Smith","startTime":3653.58,"endTime":3656.2999999999997,"body":"Lund, who refers to in the book."},{"speaker":"Alan Smith","startTime":3656.6,"endTime":3660.44,"body":"And Patty Lund, your dentist in"},{"speaker":"Alan Smith","startTime":3656.6,"endTime":3660.44,"body":"Australia. And I didn't know"},{"speaker":"Alan Smith","startTime":3660.44,"endTime":3664.1,"body":"this, but dentists have got the"},{"speaker":"Alan Smith","startTime":3660.44,"endTime":3664.1,"body":"highest incidence of depression"},{"speaker":"Alan Smith","startTime":3664.1,"endTime":3667.2799999999997,"body":"and suicide of all the"},{"speaker":"Alan Smith","startTime":3664.1,"endTime":3667.2799999999997,"body":"professions. 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And paddy"},{"speaker":"Alan Smith","startTime":3678.16,"endTime":3681.46,"body":"long was about to give up just"},{"speaker":"Alan Smith","startTime":3681.46,"endTime":3684.2799999999997,"body":"chuck in the towel. Didn't like"},{"speaker":"Alan Smith","startTime":3681.46,"endTime":3684.2799999999997,"body":"it, didn't enjoy it. 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And so I"},{"speaker":"Unknown","startTime":3827.04,"endTime":3831.24,"body":"shared summary, Planet very,"},{"speaker":"Unknown","startTime":3827.04,"endTime":3831.24,"body":"very shit hot client experience."},{"speaker":"Unknown","startTime":3831.24,"endTime":3833.94,"body":"I call it world class how to"},{"speaker":"Unknown","startTime":3831.24,"endTime":3833.94,"body":"create a world class client"},{"speaker":"Unknown","startTime":3833.94,"endTime":3837.42,"body":"experience, and it is focusing"},{"speaker":"Unknown","startTime":3833.94,"endTime":3837.42,"body":"on the small things. So, and I'm"},{"speaker":"Unknown","startTime":3837.42,"endTime":3839.48,"body":"just going to give you, I'll"},{"speaker":"Unknown","startTime":3837.42,"endTime":3839.48,"body":"give you, I'll give you two or"},{"speaker":"Unknown","startTime":3839.48,"endTime":3842.96,"body":"three, then I'll sort of throw"},{"speaker":"Unknown","startTime":3839.48,"endTime":3842.96,"body":"it open if anyone wants to to"},{"speaker":"Unknown","startTime":3842.96,"endTime":3843.7999999999997,"body":"talk about this."},{"speaker":"Alan Smith","startTime":3845.659,"endTime":3849.919,"body":"Another book is, is"},{"speaker":"Alan Smith","startTime":3845.659,"endTime":3849.919,"body":"influence, Robert Cialdini, you"},{"speaker":"Alan Smith","startTime":3849.919,"endTime":3853.159,"body":"know Cialdini, and a fantastic"},{"speaker":"Alan Smith","startTime":3849.919,"endTime":3853.159,"body":"book, and he talks about the"},{"speaker":"Alan Smith","startTime":3853.159,"endTime":3858.0389999999998,"body":"six, six aspects of influence,"},{"speaker":"Alan Smith","startTime":3853.159,"endTime":3858.0389999999998,"body":"and one of which is reciprocity."},{"speaker":"Alan Smith","startTime":3859.0589999999997,"endTime":3861.5789999999997,"body":"So you get, you do someone a"},{"speaker":"Alan Smith","startTime":3859.0589999999997,"endTime":3861.5789999999997,"body":"favor, give somebody a gift."},{"speaker":"Alan Smith","startTime":3861.6389999999997,"endTime":3864.339,"body":"They as a human beings, normal,"},{"speaker":"Alan Smith","startTime":3861.6389999999997,"endTime":3864.339,"body":"rational human being, the kind"},{"speaker":"Alan Smith","startTime":3864.339,"endTime":3867.6389999999997,"body":"of duty bound they want to help"},{"speaker":"Alan Smith","startTime":3864.339,"endTime":3867.6389999999997,"body":"you pay back, you know, owe you"},{"speaker":"Alan Smith","startTime":3867.6389999999997,"endTime":3871.179,"body":"a favor, or whatever. Nick's"},{"speaker":"Alan Smith","startTime":3867.6389999999997,"endTime":3871.179,"body":"shaking his head, normal people."},{"speaker":"Alan Smith","startTime":3871.179,"endTime":3876.659,"body":"I said, Nick, normal. Sorry,"},{"speaker":"Alan Smith","startTime":3871.179,"endTime":3876.659,"body":"yeah. And so I mean, this is not"},{"speaker":"Alan Smith","startTime":3876.659,"endTime":3878.879,"body":"the reason that we do that in"},{"speaker":"Alan Smith","startTime":3876.659,"endTime":3878.879,"body":"isolation, but it's one of a"},{"speaker":"Alan Smith","startTime":3878.879,"endTime":3881.279,"body":"dozen different things that"},{"speaker":"Alan Smith","startTime":3878.879,"endTime":3881.279,"body":"we'll do from an early stage of"},{"speaker":"Alan Smith","startTime":3881.279,"endTime":3884.879,"body":"engaging with a client. So we"},{"speaker":"Alan Smith","startTime":3881.279,"endTime":3884.879,"body":"have that first engagement, cup"},{"speaker":"Alan Smith","startTime":3884.879,"endTime":3887.519,"body":"of coffee conversation, Zoom"},{"speaker":"Alan Smith","startTime":3884.879,"endTime":3887.519,"body":"call. What have you we would"},{"speaker":"Alan Smith","startTime":3887.519,"endTime":3890.879,"body":"give them. We will always aim to"},{"speaker":"Alan Smith","startTime":3887.519,"endTime":3890.879,"body":"give them a book. We'll hand"},{"speaker":"Alan Smith","startTime":3890.879,"endTime":3893.339,"body":"across a book. The book that we"},{"speaker":"Alan Smith","startTime":3890.879,"endTime":3893.339,"body":"have defaulted to over the years"},{"speaker":"Alan Smith","startTime":3893.339,"endTime":3897.0789999999997,"body":"is called enough by Paul armson,"},{"speaker":"Alan Smith","startTime":3893.339,"endTime":3897.0789999999997,"body":"and it's a quick and easy read,"},{"speaker":"Alan Smith","startTime":3897.0789999999997,"endTime":3899.839,"body":"and it kind of very simply"},{"speaker":"Alan Smith","startTime":3897.0789999999997,"endTime":3899.839,"body":"articulates what proper"},{"speaker":"Alan Smith","startTime":3899.839,"endTime":3903.019,"body":"financial planning is all about."},{"speaker":"Alan Smith","startTime":3899.839,"endTime":3903.019,"body":"Gives it tell. He tells his bit"},{"speaker":"Alan Smith","startTime":3903.019,"endTime":3906.739,"body":"of his life story in it, and it"},{"speaker":"Alan Smith","startTime":3903.019,"endTime":3906.739,"body":"gives a few case studies. And"},{"speaker":"Alan Smith","startTime":3906.799,"endTime":3909.259,"body":"what I know is people don't"},{"speaker":"Alan Smith","startTime":3906.799,"endTime":3909.259,"body":"throw books in the bin, even if"},{"speaker":"Alan Smith","startTime":3909.259,"endTime":3911.839,"body":"they don't read it. It sits"},{"speaker":"Alan Smith","startTime":3909.259,"endTime":3911.839,"body":"around. It sits there, and it's"},{"speaker":"Alan Smith","startTime":3911.839,"endTime":3914.5389999999998,"body":"a nice thing to do. So the"},{"speaker":"Alan Smith","startTime":3911.839,"endTime":3914.5389999999998,"body":"client is warm towards you given"},{"speaker":"Alan Smith","startTime":3914.5389999999998,"endTime":3917.0789999999997,"body":"a gift before you're even"},{"speaker":"Alan Smith","startTime":3914.5389999999998,"endTime":3917.0789999999997,"body":"engaged, before you're working"},{"speaker":"Alan Smith","startTime":3917.0789999999997,"endTime":3921.5789999999997,"body":"together. The other thing that"},{"speaker":"Alan Smith","startTime":3917.0789999999997,"endTime":3921.5789999999997,"body":"we've, we've done, and this is"},{"speaker":"Alan Smith","startTime":3921.5789999999997,"endTime":3924.879,"body":"maybe going taking it to the nth"},{"speaker":"Alan Smith","startTime":3921.5789999999997,"endTime":3924.879,"body":"degree, but we have,"},{"speaker":"Unknown","startTime":3926.739,"endTime":3929.739,"body":"we spent a lot of money"},{"speaker":"Unknown","startTime":3926.739,"endTime":3929.739,"body":"on a very high quality coffee"},{"speaker":"Unknown","startTime":3929.739,"endTime":3932.1389999999997,"body":"machine. People come in, people"},{"speaker":"Unknown","startTime":3929.739,"endTime":3932.1389999999997,"body":"want a cup of coffee, and days"},{"speaker":"Unknown","startTime":3932.1389999999997,"endTime":3935.019,"body":"gone past, it was sort of out of"},{"speaker":"Unknown","startTime":3932.1389999999997,"endTime":3935.019,"body":"a kettle with a instant coffee."},{"speaker":"Unknown","startTime":3935.019,"endTime":3938.159,"body":"But we invested a lot of money"},{"speaker":"Unknown","startTime":3935.019,"endTime":3938.159,"body":"in a high grade coffee machine."},{"speaker":"Unknown","startTime":3938.159,"endTime":3940.799,"body":"So the quality of the coffee"},{"speaker":"Unknown","startTime":3938.159,"endTime":3940.799,"body":"that people have when it comes"},{"speaker":"Unknown","startTime":3940.799,"endTime":3944.399,"body":"to the meeting is very high. But"},{"speaker":"Unknown","startTime":3940.799,"endTime":3944.399,"body":"we've been one step further in"},{"speaker":"Unknown","startTime":3944.399,"endTime":3948.479,"body":"our company. We've got a brand,"},{"speaker":"Unknown","startTime":3944.399,"endTime":3948.479,"body":"a logo, and it's five petals."},{"speaker":"Unknown","startTime":3948.479,"endTime":3951.5389999999998,"body":"And there's reasons for those"},{"speaker":"Unknown","startTime":3948.479,"endTime":3951.5389999999998,"body":"petals, which I won't go into,"},{"speaker":"Unknown","startTime":3951.5389999999998,"endTime":3954.5389999999998,"body":"but when you serve a cappuccino,"},{"speaker":"Unknown","startTime":3951.5389999999998,"endTime":3954.5389999999998,"body":"which a lot of people ask for,"},{"speaker":"Unknown","startTime":3954.5389999999998,"endTime":3957.259,"body":"and you get that chocolate"},{"speaker":"Unknown","startTime":3954.5389999999998,"endTime":3957.259,"body":"shaker thing in front, and you"},{"speaker":"Unknown","startTime":3957.259,"endTime":3962.479,"body":"shake the chocolate such that"},{"speaker":"Unknown","startTime":3957.259,"endTime":3962.479,"body":"the cappuccino arrives, Nick but"},{"speaker":"Unknown","startTime":3962.479,"endTime":3964.939,"body":"it's this tiny, tiny, small"},{"speaker":"Unknown","startTime":3962.479,"endTime":3964.939,"body":"thing, but it arrives and the"},{"speaker":"Unknown","startTime":3964.939,"endTime":3968.719,"body":"client looks at that, and they"},{"speaker":"Unknown","startTime":3964.939,"endTime":3968.719,"body":"go, Oh, that's quite nice."},{"speaker":"Andy Hart","startTime":3972.02,"endTime":3976.72,"body":"Of copies delivered."},{"speaker":"Andy Hart","startTime":3972.02,"endTime":3976.72,"body":"What percent? Percentage of"},{"speaker":"Andy Hart","startTime":3976.72,"endTime":3981.04,"body":"coffees are delivered at Capital"},{"speaker":"Andy Hart","startTime":3976.72,"endTime":3981.04,"body":"towers with that chocolate leaf"},{"speaker":"Andy Hart","startTime":3981.04,"endTime":3984.16,"body":"on it. You said, 100% Alan,"},{"speaker":"Andy Hart","startTime":3981.04,"endTime":3984.16,"body":"well, the people who"},{"speaker":"Unknown","startTime":3984.159,"endTime":3986.439,"body":"asked for a cappuccino,"},{"speaker":"Unknown","startTime":3984.159,"endTime":3986.439,"body":"but sports quite interesting,"},{"speaker":"Unknown","startTime":3986.439,"endTime":3989.919,"body":"black. What is quite interesting"},{"speaker":"Unknown","startTime":3986.439,"endTime":3989.919,"body":"is that sometimes we've had this"},{"speaker":"Unknown","startTime":3989.919,"endTime":3993.219,"body":"quite often, but people say, No,"},{"speaker":"Unknown","startTime":3989.919,"endTime":3993.219,"body":"I'm fine. Maybe cappuccinos one"},{"speaker":"Unknown","startTime":3993.219,"endTime":3995.739,"body":"of one of a couple says, and"},{"speaker":"Unknown","startTime":3993.219,"endTime":3995.739,"body":"sometimes we'll say, we'll"},{"speaker":"Unknown","startTime":3995.739,"endTime":3998.219,"body":"encourage them. Do you want to"},{"speaker":"Unknown","startTime":3995.739,"endTime":3998.219,"body":"How about cappuccino? 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And the wife's"},{"speaker":"Unknown","startTime":4011.419,"endTime":4013.759,"body":"cappuccinos showed up, all"},{"speaker":"Unknown","startTime":4011.419,"endTime":4013.759,"body":"looking lovely and frothy in a"},{"speaker":"Unknown","startTime":4013.759,"endTime":4016.659,"body":"glass cup with a thing of"},{"speaker":"Unknown","startTime":4013.759,"endTime":4016.659,"body":"chocolate shaker on top. And the"},{"speaker":"Unknown","startTime":4017.019,"endTime":4019.5389999999998,"body":"husband said, Oh, that looks"},{"speaker":"Unknown","startTime":4017.019,"endTime":4019.5389999999998,"body":"nice. Can I have one of those"},{"speaker":"Unknown","startTime":4019.5389999999998,"endTime":4022.299,"body":"after all? So it was, it was"},{"speaker":"Unknown","startTime":4019.5389999999998,"endTime":4022.299,"body":"quite a nice experience. 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They"},{"speaker":"Unknown","startTime":4122.2390000000005,"endTime":4125.779,"body":"know that we understand them, we"},{"speaker":"Unknown","startTime":4122.2390000000005,"endTime":4125.779,"body":"get them, and that we pay"},{"speaker":"Unknown","startTime":4125.779,"endTime":4128.299,"body":"attention to detail, and"},{"speaker":"Unknown","startTime":4125.779,"endTime":4128.299,"body":"everything is good, and"},{"speaker":"Unknown","startTime":4128.299,"endTime":4130.579,"body":"therefore that's what that's"},{"speaker":"Unknown","startTime":4128.299,"endTime":4130.579,"body":"what I was talking about out"},{"speaker":"Unknown","startTime":4130.579,"endTime":4133.6990000000005,"body":"there, and it seemed to go down"},{"speaker":"Unknown","startTime":4130.579,"endTime":4133.6990000000005,"body":"quite well."},{"speaker":"Alan Smith","startTime":4134.96,"endTime":4138.1,"body":"Carl, you're"},{"speaker":"Alan Smith","startTime":4134.96,"endTime":4138.1,"body":"probably the best person on this"},{"speaker":"Alan Smith","startTime":4138.1,"endTime":4142.3,"body":"panel to talk about things like"},{"speaker":"Alan Smith","startTime":4138.1,"endTime":4142.3,"body":"that. Do you do anything like"},{"speaker":"Alan Smith","startTime":4142.3,"endTime":4142.6,"body":"that? Do"},{"speaker":"Carl Widger","startTime":4143.2,"endTime":4145.24,"body":"you pay attention"},{"speaker":"Carl Widger","startTime":4143.2,"endTime":4145.24,"body":"to like rather than kind of"},{"speaker":"Carl Widger","startTime":4145.24,"endTime":4149.14,"body":"repeating some of the stuff that"},{"speaker":"Carl Widger","startTime":4145.24,"endTime":4149.14,"body":"you did? Like I when we set up"},{"speaker":"Carl Widger","startTime":4149.14,"endTime":4153.52,"body":"metas, I kind of met you pretty"},{"speaker":"Carl Widger","startTime":4149.14,"endTime":4153.52,"body":"shortly afterwards. And, yeah, I"},{"speaker":"Carl Widger","startTime":4153.52,"endTime":4157.92,"body":"went over and I experienced that"},{"speaker":"Carl Widger","startTime":4153.52,"endTime":4157.92,"body":"and like, it was influenced by"},{"speaker":"Carl Widger","startTime":4157.92,"endTime":4160.92,"body":"it. I was inspired by it. And"},{"speaker":"Carl Widger","startTime":4157.92,"endTime":4160.92,"body":"one of the things that we Well,"},{"speaker":"Carl Widger","startTime":4162.6,"endTime":4165.84,"body":"we definitely did in our"},{"speaker":"Carl Widger","startTime":4162.6,"endTime":4165.84,"body":"Limerick office, and we've just"},{"speaker":"Carl Widger","startTime":4165.84,"endTime":4170.34,"body":"completed our Dublin kind of"},{"speaker":"Carl Widger","startTime":4165.84,"endTime":4170.34,"body":"upgrade, is a client once said,"},{"speaker":"Carl Widger","startTime":4170.4000000000005,"endTime":4177.14,"body":"I go into my private bank once a"},{"speaker":"Carl Widger","startTime":4170.4000000000005,"endTime":4177.14,"body":"year to be made feel stupid by"},{"speaker":"Carl Widger","startTime":4177.44,"endTime":4183.26,"body":"the content of the meeting, but"},{"speaker":"Carl Widger","startTime":4177.44,"endTime":4183.26,"body":"then that that the actual feel"},{"speaker":"Carl Widger","startTime":4183.26,"endTime":4187.7,"body":"of the meeting room was"},{"speaker":"Carl Widger","startTime":4183.26,"endTime":4187.7,"body":"intimidating, the mahogany"},{"speaker":"Carl Widger","startTime":4187.7,"endTime":4191.24,"body":"tables and the leather chairs"},{"speaker":"Carl Widger","startTime":4187.7,"endTime":4191.24,"body":"and all that. So we've worked"},{"speaker":"Carl Widger","startTime":4191.24,"endTime":4193.82,"body":"really, really hard, and Alan,"},{"speaker":"Carl Widger","startTime":4191.24,"endTime":4193.82,"body":"you've been in our office, and"},{"speaker":"Carl Widger","startTime":4193.82,"endTime":4197.08,"body":"our whole environment is a bit"},{"speaker":"Carl Widger","startTime":4193.82,"endTime":4197.08,"body":"funky, right? So we've white"},{"speaker":"Carl Widger","startTime":4197.08,"endTime":4200.68,"body":"tables. We do not do mahogany"},{"speaker":"Carl Widger","startTime":4197.08,"endTime":4200.68,"body":"tables. So that's one thing."},{"speaker":"Carl Widger","startTime":4200.68,"endTime":4204.16,"body":"It's what? They're white glass"},{"speaker":"Carl Widger","startTime":4200.68,"endTime":4204.16,"body":"tables. Now they're, they're"},{"speaker":"Carl Widger","startTime":4204.16,"endTime":4207.16,"body":"expensive tables, but, but"},{"speaker":"Carl Widger","startTime":4204.16,"endTime":4207.16,"body":"they're that you don't have this"},{"speaker":"Carl Widger","startTime":4207.16,"endTime":4212.62,"body":"private bank feel. There's no"},{"speaker":"Carl Widger","startTime":4207.16,"endTime":4212.62,"body":"mahogany paneling. There's no"},{"speaker":"Carl Widger","startTime":4212.62,"endTime":4216.84,"body":"big, huge leather chairs. It's,"},{"speaker":"Carl Widger","startTime":4212.62,"endTime":4216.84,"body":"it's a really cool space. We've"},{"speaker":"Carl Widger","startTime":4216.84,"endTime":4220.8,"body":"lots of, you know, big posters"},{"speaker":"Carl Widger","startTime":4216.84,"endTime":4220.8,"body":"with cool quotes and all that"},{"speaker":"Carl Widger","startTime":4220.8,"endTime":4225.24,"body":"kind of stuff. So it's to try"},{"speaker":"Carl Widger","startTime":4220.8,"endTime":4225.24,"body":"and be welcoming. You know,"},{"speaker":"Carl Widger","startTime":4225.24,"endTime":4227.64,"body":"when, when the clients come in"},{"speaker":"Carl Widger","startTime":4225.24,"endTime":4227.64,"body":"that they can kind of go, Okay,"},{"speaker":"Carl Widger","startTime":4227.64,"endTime":4231.18,"body":"this is this, this. This feels"},{"speaker":"Carl Widger","startTime":4227.64,"endTime":4231.18,"body":"okay. You know, a couple of"},{"speaker":"Carl Widger","startTime":4231.18,"endTime":4235.5599999999995,"body":"books in our on the in the"},{"speaker":"Carl Widger","startTime":4231.18,"endTime":4235.5599999999995,"body":"reception area, and it's bucket"},{"speaker":"Carl Widger","startTime":4235.5599999999995,"endTime":4238.76,"body":"list items. They're, the books,"},{"speaker":"Carl Widger","startTime":4235.5599999999995,"endTime":4238.76,"body":"or it's like, you know, 100"},{"speaker":"Carl Widger","startTime":4239.24,"endTime":4242.0,"body":"great world trips, this kind of"},{"speaker":"Carl Widger","startTime":4239.24,"endTime":4242.0,"body":"stuff. So it's to try and get"},{"speaker":"Carl Widger","startTime":4242.0,"endTime":4246.0199999999995,"body":"people into the zone of, okay,"},{"speaker":"Carl Widger","startTime":4242.0,"endTime":4246.0199999999995,"body":"yes, you are going to be talking"},{"speaker":"Carl Widger","startTime":4246.0199999999995,"endTime":4248.5999999999995,"body":"about finances, but we're going"},{"speaker":"Carl Widger","startTime":4246.0199999999995,"endTime":4248.5999999999995,"body":"to try and match them with your"},{"speaker":"Carl Widger","startTime":4248.5999999999995,"endTime":4252.44,"body":"goals, dreams and ambitions, and"},{"speaker":"Carl Widger","startTime":4248.5999999999995,"endTime":4252.44,"body":"at all points, try and bring"},{"speaker":"Carl Widger","startTime":4252.44,"endTime":4257.14,"body":"those two things together. So,"},{"speaker":"Carl Widger","startTime":4252.44,"endTime":4257.14,"body":"you know, the books, we would do"},{"speaker":"Carl Widger","startTime":4257.14,"endTime":4263.5,"body":"that for sure. You know, I"},{"speaker":"Carl Widger","startTime":4257.14,"endTime":4263.5,"body":"suppose the one thing that we"},{"speaker":"Carl Widger","startTime":4263.5599999999995,"endTime":4267.34,"body":"found when we were doing some of"},{"speaker":"Carl Widger","startTime":4263.5599999999995,"endTime":4267.34,"body":"the client service that we did"},{"speaker":"Carl Widger","startTime":4267.34,"endTime":4271.5999999999995,"body":"was that the experience was"},{"speaker":"Carl Widger","startTime":4267.34,"endTime":4271.5999999999995,"body":"really good. They felt that this"},{"speaker":"Carl Widger","startTime":4271.5999999999995,"endTime":4276.72,"body":"is really professional. Yes, you"},{"speaker":"Carl Widger","startTime":4271.5999999999995,"endTime":4276.72,"body":"know, there are. Coachable these"},{"speaker":"Carl Widger","startTime":4276.72,"endTime":4280.26,"body":"people, and they're humans like"},{"speaker":"Carl Widger","startTime":4276.72,"endTime":4280.26,"body":"ourselves. And that the initial"},{"speaker":"Carl Widger","startTime":4280.5599999999995,"endTime":4283.74,"body":"couple of meetings were, you"},{"speaker":"Carl Widger","startTime":4280.5599999999995,"endTime":4283.74,"body":"know, were, oh my god, what a"},{"speaker":"Carl Widger","startTime":4283.74,"endTime":4286.86,"body":"feeling we got out of it. But"},{"speaker":"Carl Widger","startTime":4283.74,"endTime":4286.86,"body":"there was a bit of a lag, okay,"},{"speaker":"Carl Widger","startTime":4286.86,"endTime":4289.14,"body":"so that we had delivered"},{"speaker":"Carl Widger","startTime":4286.86,"endTime":4289.14,"body":"everything, and then we had to"},{"speaker":"Carl Widger","startTime":4289.14,"endTime":4291.96,"body":"go through all that paperwork"},{"speaker":"Carl Widger","startTime":4289.14,"endTime":4291.96,"body":"and blah, blah, and it wasn't"},{"speaker":"Carl Widger","startTime":4291.96,"endTime":4295.32,"body":"fantastic after that. So we've"},{"speaker":"Carl Widger","startTime":4291.96,"endTime":4295.32,"body":"actually put a lot of work into,"},{"speaker":"Carl Widger","startTime":4295.92,"endTime":4299.54,"body":"well, what's, what does our"},{"speaker":"Carl Widger","startTime":4295.92,"endTime":4299.54,"body":"client engagement look like"},{"speaker":"Carl Widger","startTime":4299.78,"endTime":4302.5999999999995,"body":"after we've onboarded a new"},{"speaker":"Carl Widger","startTime":4299.78,"endTime":4302.5999999999995,"body":"client, so after you've actually"},{"speaker":"Carl Widger","startTime":4302.5999999999995,"endTime":4306.26,"body":"secured the business so that,"},{"speaker":"Carl Widger","startTime":4302.5999999999995,"endTime":4306.26,"body":"that, you know, in terms of"},{"speaker":"Carl Widger","startTime":4306.68,"endTime":4309.62,"body":"survey results, we're going to"},{"speaker":"Carl Widger","startTime":4306.68,"endTime":4309.62,"body":"get net promoter scores of eight"},{"speaker":"Carl Widger","startTime":4309.68,"endTime":4315.44,"body":"and nine, as opposed to seven"},{"speaker":"Carl Widger","startTime":4309.68,"endTime":4315.44,"body":"and eight. Or, you know, worse."},{"speaker":"Carl Widger","startTime":4315.44,"endTime":4317.92,"body":"Now, we don't get worse, but"},{"speaker":"Carl Widger","startTime":4315.44,"endTime":4317.92,"body":"seven isn't a promoter. They're"},{"speaker":"Carl Widger","startTime":4317.92,"endTime":4320.74,"body":"not promoting your business. So"},{"speaker":"Carl Widger","startTime":4317.92,"endTime":4320.74,"body":"you want to get them into eight"},{"speaker":"Carl Widger","startTime":4320.74,"endTime":4325.72,"body":"and a half plus. So we, that's"},{"speaker":"Carl Widger","startTime":4320.74,"endTime":4325.72,"body":"why we do some money events,"},{"speaker":"Carl Widger","startTime":4325.72,"endTime":4330.76,"body":"right? We do loads of different"},{"speaker":"Carl Widger","startTime":4325.72,"endTime":4330.76,"body":"like, literally, we are, we are"},{"speaker":"Carl Widger","startTime":4330.76,"endTime":4336.04,"body":"the event kings. Now that costs"},{"speaker":"Carl Widger","startTime":4330.76,"endTime":4336.04,"body":"an absolute shitload of money,"},{"speaker":"Carl Widger","startTime":4336.22,"endTime":4338.22,"body":"but that's our investment in our"},{"speaker":"Carl Widger","startTime":4336.22,"endTime":4338.22,"body":"client."},{"speaker":"Andy Hart","startTime":4338.22,"endTime":4340.68,"body":"You say cost, yeah,"},{"speaker":"Andy Hart","startTime":4338.22,"endTime":4340.68,"body":"yeah, getting back long term,"},{"speaker":"Andy Hart","startTime":4340.74,"endTime":4341.64,"body":"yeah, 100%"},{"speaker":"Carl Widger","startTime":4342.479,"endTime":4344.8189999999995,"body":"Andy. And then if"},{"speaker":"Carl Widger","startTime":4342.479,"endTime":4344.8189999999995,"body":"you make sure that the"},{"speaker":"Carl Widger","startTime":4344.8189999999995,"endTime":4347.999,"body":"onboarding experience was"},{"speaker":"Carl Widger","startTime":4344.8189999999995,"endTime":4347.999,"body":"awesome, of course, it's not"},{"speaker":"Carl Widger","startTime":4347.999,"endTime":4351.419,"body":"awesome every time, right? So"},{"speaker":"Carl Widger","startTime":4347.999,"endTime":4351.419,"body":"let's not anybody fool anybody."},{"speaker":"Carl Widger","startTime":4351.419,"endTime":4354.959,"body":"It's, you know, sometimes we"},{"speaker":"Carl Widger","startTime":4351.419,"endTime":4354.959,"body":"miss the mark, right? And we we"},{"speaker":"Carl Widger","startTime":4354.959,"endTime":4358.699,"body":"don't engage as we would like,"},{"speaker":"Carl Widger","startTime":4354.959,"endTime":4358.699,"body":"but mostly it is really good."},{"speaker":"Carl Widger","startTime":4358.999,"endTime":4362.179,"body":"And then it's, how do we make"},{"speaker":"Carl Widger","startTime":4358.999,"endTime":4362.179,"body":"sure that those clients are"},{"speaker":"Carl Widger","startTime":4362.179,"endTime":4364.8189999999995,"body":"telling their friends? And we"},{"speaker":"Carl Widger","startTime":4362.179,"endTime":4364.8189999999995,"body":"have built the business one"},{"speaker":"Carl Widger","startTime":4364.8189999999995,"endTime":4368.239,"body":"family at a time, like we've"},{"speaker":"Carl Widger","startTime":4364.8189999999995,"endTime":4368.239,"body":"only started taking, I suppose,"},{"speaker":"Carl Widger","startTime":4368.239,"endTime":4371.479,"body":"digital marketing seriously in"},{"speaker":"Carl Widger","startTime":4368.239,"endTime":4371.479,"body":"the last couple of years, and"},{"speaker":"Carl Widger","startTime":4372.559,"endTime":4375.559,"body":"we're only seeing the results of"},{"speaker":"Carl Widger","startTime":4372.559,"endTime":4375.559,"body":"that over the last little while."},{"speaker":"Carl Widger","startTime":4375.739,"endTime":4378.2789999999995,"body":"Other than that, it was"},{"speaker":"Carl Widger","startTime":4375.739,"endTime":4378.2789999999995,"body":"referral. It was one family at a"},{"speaker":"Carl Widger","startTime":4378.2789999999995,"endTime":4382.3589999999995,"body":"time. And we do it by, you know,"},{"speaker":"Carl Widger","startTime":4378.2789999999995,"endTime":4382.3589999999995,"body":"the events. And we did a small"},{"speaker":"Carl Widger","startTime":4382.3589999999995,"endTime":4385.7789999999995,"body":"golf event last week. And, you"},{"speaker":"Carl Widger","startTime":4382.3589999999995,"endTime":4385.7789999999995,"body":"know, not everyone there was a"},{"speaker":"Carl Widger","startTime":4385.7789999999995,"endTime":4388.899,"body":"client, so we'll say, Bring a"},{"speaker":"Carl Widger","startTime":4385.7789999999995,"endTime":4388.899,"body":"buddy along. You know, we've"},{"speaker":"Carl Widger","startTime":4388.899,"endTime":4393.039,"body":"gone to we've gone to the"},{"speaker":"Carl Widger","startTime":4388.899,"endTime":4393.039,"body":"theater, we've gone to music"},{"speaker":"Carl Widger","startTime":4393.039,"endTime":4397.3589999999995,"body":"events. Anyway, I can't name"},{"speaker":"Carl Widger","startTime":4393.039,"endTime":4397.3589999999995,"body":"them all up. There's just so"},{"speaker":"Carl Widger","startTime":4397.3589999999995,"endTime":4400.379,"body":"many different things. And"},{"speaker":"Carl Widger","startTime":4397.3589999999995,"endTime":4400.379,"body":"that's the that's the joy of"},{"speaker":"Carl Widger","startTime":4400.379,"endTime":4403.379,"body":"having the team now, because"},{"speaker":"Carl Widger","startTime":4400.379,"endTime":4403.379,"body":"every private client manager"},{"speaker":"Carl Widger","startTime":4403.379,"endTime":4407.159,"body":"will decide for themselves kind"},{"speaker":"Carl Widger","startTime":4403.379,"endTime":4407.159,"body":"of what suits their vibe, but"},{"speaker":"Carl Widger","startTime":4407.159,"endTime":4410.999,"body":"also what suits their clients"},{"speaker":"Carl Widger","startTime":4407.159,"endTime":4410.999,"body":"vibe. So we joined the three"},{"speaker":"Carl Widger","startTime":4410.999,"endTime":4414.7789999999995,"body":"arena, which is the big music"},{"speaker":"Carl Widger","startTime":4410.999,"endTime":4414.7789999999995,"body":"stadium we're in that private"},{"speaker":"Carl Widger","startTime":4414.7789999999995,"endTime":4418.8189999999995,"body":"members club now cost a few quid"},{"speaker":"Carl Widger","startTime":4414.7789999999995,"endTime":4418.8189999999995,"body":"for it. But, like, we've used"},{"speaker":"Carl Widger","startTime":4418.8189999999995,"endTime":4421.579,"body":"that to great effect this. This"},{"speaker":"Carl Widger","startTime":4418.8189999999995,"endTime":4421.579,"body":"year you could only get eight"},{"speaker":"Carl Widger","startTime":4421.579,"endTime":4424.8189999999995,"body":"tickets, eight people sitting"},{"speaker":"Carl Widger","startTime":4421.579,"endTime":4424.8189999999995,"body":"around. You're like, you walk,"},{"speaker":"Carl Widger","startTime":4424.8189999999995,"endTime":4426.919,"body":"you don't queue up with"},{"speaker":"Carl Widger","startTime":4424.8189999999995,"endTime":4426.919,"body":"everybody else, and then you're,"},{"speaker":"Carl Widger","startTime":4426.919,"endTime":4430.039,"body":"you know, you get nice food and"},{"speaker":"Carl Widger","startTime":4426.919,"endTime":4430.039,"body":"drinks to your table, and then"},{"speaker":"Carl Widger","startTime":4430.039,"endTime":4433.399,"body":"you walk into your seats. It's a"},{"speaker":"Carl Widger","startTime":4430.039,"endTime":4433.399,"body":"really, really cool experience."},{"speaker":"Carl Widger","startTime":4433.399,"endTime":4437.799,"body":"So, and when you only eight"},{"speaker":"Carl Widger","startTime":4433.399,"endTime":4437.799,"body":"people, that's intimate. So you"},{"speaker":"Carl Widger","startTime":4437.799,"endTime":4440.3189999999995,"body":"can have four couples, or else,"},{"speaker":"Carl Widger","startTime":4437.799,"endTime":4440.3189999999995,"body":"you know, if there's, I don't"},{"speaker":"Carl Widger","startTime":4440.3189999999995,"endTime":4443.439,"body":"know, pulp played recently, and"},{"speaker":"Carl Widger","startTime":4440.3189999999995,"endTime":4443.439,"body":"it was like seven blokes who"},{"speaker":"Carl Widger","startTime":4443.439,"endTime":4446.559,"body":"were all same age as me. And it"},{"speaker":"Carl Widger","startTime":4443.439,"endTime":4446.559,"body":"was like, you know, reliving"},{"speaker":"Carl Widger","startTime":4446.559,"endTime":4449.679,"body":"their, their their youth, right?"},{"speaker":"Carl Widger","startTime":4446.559,"endTime":4449.679,"body":"Really, just really cool"},{"speaker":"Carl Widger","startTime":4449.679,"endTime":4453.939,"body":"experience and different than"},{"speaker":"Carl Widger","startTime":4449.679,"endTime":4453.939,"body":"just playing golf, you know. So"},{"speaker":"Carl Widger","startTime":4455.199,"endTime":4457.919,"body":"I would say to anybody, you"},{"speaker":"Carl Widger","startTime":4455.199,"endTime":4457.919,"body":"know, nail that first"},{"speaker":"Carl Widger","startTime":4457.919,"endTime":4462.479,"body":"experience, but don't the next"},{"speaker":"Carl Widger","startTime":4457.919,"endTime":4462.479,"body":"the next 24 months are key to"},{"speaker":"Carl Widger","startTime":4462.539,"endTime":4464.759,"body":"the longevity of your"},{"speaker":"Carl Widger","startTime":4462.539,"endTime":4464.759,"body":"relationship with your client,"},{"speaker":"Carl Widger","startTime":4464.879,"endTime":4467.519,"body":"and it's hard enough get them"},{"speaker":"Carl Widger","startTime":4464.879,"endTime":4467.519,"body":"in, so when they when they come"},{"speaker":"Carl Widger","startTime":4467.519,"endTime":4472.079,"body":"in, don't just flash yourself in"},{"speaker":"Carl Widger","startTime":4467.519,"endTime":4472.079,"body":"the in the initial couple of"},{"speaker":"Carl Widger","startTime":4472.079,"endTime":4476.099,"body":"months, right? Because that's"},{"speaker":"Carl Widger","startTime":4472.079,"endTime":4476.099,"body":"kind of easy. And I just"},{"speaker":"Carl Widger","startTime":4476.099,"endTime":4480.979,"body":"reiterate a point you make Alan,"},{"speaker":"Carl Widger","startTime":4476.099,"endTime":4480.979,"body":"no one. They give a shit, but"},{"speaker":"Carl Widger","startTime":4480.979,"endTime":4484.399,"body":"they don't focus on the"},{"speaker":"Carl Widger","startTime":4480.979,"endTime":4484.399,"body":"construction of the investment"},{"speaker":"Carl Widger","startTime":4484.399,"endTime":4487.579,"body":"portfolio. It is definitely not"},{"speaker":"Carl Widger","startTime":4484.399,"endTime":4487.579,"body":"the most important part of the"},{"speaker":"Carl Widger","startTime":4487.579,"endTime":4492.199,"body":"experience. So don't get into"},{"speaker":"Carl Widger","startTime":4487.579,"endTime":4492.199,"body":"the weeds or the detail too"},{"speaker":"Carl Widger","startTime":4492.199,"endTime":4495.439,"body":"much, because you could actually"},{"speaker":"Carl Widger","startTime":4492.199,"endTime":4495.439,"body":"lose people. And the financial"},{"speaker":"Carl Widger","startTime":4495.439,"endTime":4498.099,"body":"plan, the cash flow modeling"},{"speaker":"Carl Widger","startTime":4495.439,"endTime":4498.099,"body":"will do it's talking for you."},{"speaker":"Carl Widger","startTime":4498.159,"endTime":4499.599,"body":"They'll be blown away by it if"},{"speaker":"Carl Widger","startTime":4498.159,"endTime":4499.599,"body":"you do"},{"speaker":"Alan Smith","startTime":4499.599,"endTime":4502.539,"body":"properly. Yeah,"},{"speaker":"Alan Smith","startTime":4499.599,"endTime":4502.539,"body":"totally Andy, there's, there's,"},{"speaker":"Alan Smith","startTime":4502.599,"endTime":4505.059,"body":"there's. Just before we hear"},{"speaker":"Alan Smith","startTime":4502.599,"endTime":4505.059,"body":"from Andy, there's, there's a"},{"speaker":"Alan Smith","startTime":4505.059,"endTime":4507.099,"body":"something I read the other day,"},{"speaker":"Alan Smith","startTime":4505.059,"endTime":4507.099,"body":"which, again I mentioned in"},{"speaker":"Alan Smith","startTime":4507.099,"endTime":4510.759,"body":"Manchester, I thought was just"},{"speaker":"Alan Smith","startTime":4507.099,"endTime":4510.759,"body":"really good statement, which is"},{"speaker":"Alan Smith","startTime":4510.8189999999995,"endTime":4515.559,"body":"80% is a classic 8020 rule, 80%"},{"speaker":"Alan Smith","startTime":4510.8189999999995,"endTime":4515.559,"body":"of your perceived accepting the"},{"speaker":"Alan Smith","startTime":4515.559,"endTime":4518.939,"body":"word perceived value. 80% of"},{"speaker":"Alan Smith","startTime":4515.559,"endTime":4518.939,"body":"your perceived value is"},{"speaker":"Alan Smith","startTime":4518.939,"endTime":4523.499,"body":"delivered by 20% of your"},{"speaker":"Alan Smith","startTime":4518.939,"endTime":4523.499,"body":"activities. What is the 20% and"},{"speaker":"Alan Smith","startTime":4523.499,"endTime":4526.619,"body":"how could you have an extreme"},{"speaker":"Alan Smith","startTime":4523.499,"endTime":4526.619,"body":"version of that? So whether"},{"speaker":"Alan Smith","startTime":4526.619,"endTime":4529.619,"body":"that's the coffee that the"},{"speaker":"Alan Smith","startTime":4526.619,"endTime":4529.619,"body":"delivery, the meet and greet,"},{"speaker":"Alan Smith","startTime":4529.619,"endTime":4533.699,"body":"the events you have, how can you"},{"speaker":"Alan Smith","startTime":4529.619,"endTime":4533.699,"body":"go amazing on that? Because the"},{"speaker":"Alan Smith","startTime":4533.699,"endTime":4537.3189999999995,"body":"other 80% that is the it's just"},{"speaker":"Alan Smith","startTime":4533.699,"endTime":4537.3189999999995,"body":"an assumption that it's been is"},{"speaker":"Alan Smith","startTime":4537.3189999999995,"endTime":4540.259,"body":"being done. It's not perceived"},{"speaker":"Alan Smith","startTime":4537.3189999999995,"endTime":4540.259,"body":"as being the most valuable."},{"speaker":"Alan Smith","startTime":4540.559,"endTime":4541.8189999999995,"body":"Yeah. Andy, what's your"},{"speaker":"Alan Smith","startTime":4540.559,"endTime":4541.8189999999995,"body":"thoughts?"},{"speaker":"Andy Hart","startTime":4542.12,"endTime":4544.0999999999995,"body":"Yeah, just to"},{"speaker":"Andy Hart","startTime":4542.12,"endTime":4544.0999999999995,"body":"slightly tweak the subject"},{"speaker":"Andy Hart","startTime":4544.0999999999995,"endTime":4546.5,"body":"matter. I mean, you guys"},{"speaker":"Andy Hart","startTime":4544.0999999999995,"endTime":4546.5,"body":"mentioned some amazing points,"},{"speaker":"Andy Hart","startTime":4546.5,"endTime":4550.64,"body":"but a lot of it was physically"},{"speaker":"Andy Hart","startTime":4546.5,"endTime":4550.64,"body":"present stuff. So the client"},{"speaker":"Andy Hart","startTime":4550.64,"endTime":4553.4,"body":"journey now, even if you work in"},{"speaker":"Andy Hart","startTime":4550.64,"endTime":4553.4,"body":"large businesses and"},{"speaker":"Andy Hart","startTime":4553.4,"endTime":4557.5599999999995,"body":"organizations, a lot of it will"},{"speaker":"Andy Hart","startTime":4553.4,"endTime":4557.5599999999995,"body":"be digital. So how do we now"},{"speaker":"Andy Hart","startTime":4557.5599999999995,"endTime":4560.86,"body":"make the client journey, client"},{"speaker":"Andy Hart","startTime":4557.5599999999995,"endTime":4560.86,"body":"experience in the digital world,"},{"speaker":"Andy Hart","startTime":4561.82,"endTime":4565.3,"body":"less painful for clients, more"},{"speaker":"Andy Hart","startTime":4561.82,"endTime":4565.3,"body":"enjoyable. I used to have an"},{"speaker":"Andy Hart","startTime":4565.3,"endTime":4567.5199999999995,"body":"office. I think Nick used to"},{"speaker":"Andy Hart","startTime":4565.3,"endTime":4567.5199999999995,"body":"have an office as well. Now I've"},{"speaker":"Andy Hart","startTime":4567.5199999999995,"endTime":4573.0999999999995,"body":"moved pretty much, you know, 95%"},{"speaker":"Andy Hart","startTime":4567.5199999999995,"endTime":4573.0999999999995,"body":"on Zoom. I still go and see"},{"speaker":"Andy Hart","startTime":4573.0999999999995,"endTime":4576.78,"body":"clients potentially on the"},{"speaker":"Andy Hart","startTime":4573.0999999999995,"endTime":4576.78,"body":"initial onboarding stage. Uh,"},{"speaker":"Andy Hart","startTime":4576.78,"endTime":4579.42,"body":"I've sent books out to clients"},{"speaker":"Andy Hart","startTime":4576.78,"endTime":4579.42,"body":"over the years. The number one I"},{"speaker":"Andy Hart","startTime":4579.42,"endTime":4582.0599999999995,"body":"used to send was simple wealth,"},{"speaker":"Andy Hart","startTime":4579.42,"endTime":4582.0599999999995,"body":"inevitable wealth, which was,"},{"speaker":"Andy Hart","startTime":4582.3,"endTime":4586.08,"body":"uh, by Nick Murray, I think it's"},{"speaker":"Andy Hart","startTime":4582.3,"endTime":4586.08,"body":"every single touch point you"},{"speaker":"Andy Hart","startTime":4586.08,"endTime":4588.78,"body":"have with a client needs to be"},{"speaker":"Andy Hart","startTime":4586.08,"endTime":4588.78,"body":"thought about. I mean, your"},{"speaker":"Andy Hart","startTime":4588.78,"endTime":4592.8,"body":"initial emails, your initial"},{"speaker":"Andy Hart","startTime":4588.78,"endTime":4592.8,"body":"phone call, when you, you know,"},{"speaker":"Andy Hart","startTime":4593.04,"endTime":4595.32,"body":"arrange the initial meeting."},{"speaker":"Andy Hart","startTime":4593.04,"endTime":4595.32,"body":"I've got a lot of hidden links"},{"speaker":"Andy Hart","startTime":4595.32,"endTime":4598.0999999999995,"body":"that I share to clients. So when"},{"speaker":"Andy Hart","startTime":4595.32,"endTime":4598.0999999999995,"body":"I having a discovery meeting,"},{"speaker":"Andy Hart","startTime":4598.0999999999995,"endTime":4601.04,"body":"it's Maven advisor.com, and then"},{"speaker":"Andy Hart","startTime":4598.0999999999995,"endTime":4601.04,"body":"a link. I say, This is what the"},{"speaker":"Andy Hart","startTime":4601.04,"endTime":4603.32,"body":"meeting is going to be roughly"},{"speaker":"Andy Hart","startTime":4601.04,"endTime":4603.32,"body":"about. They click on it, and"},{"speaker":"Andy Hart","startTime":4603.32,"endTime":4607.0999999999995,"body":"it's, it's quite simple, and"},{"speaker":"Andy Hart","startTime":4603.32,"endTime":4607.0999999999995,"body":"just out late, sorry, yeah,"},{"speaker":"Andy Hart","startTime":4607.0999999999995,"endTime":4609.74,"body":"outlays how the meeting is going"},{"speaker":"Andy Hart","startTime":4607.0999999999995,"endTime":4609.74,"body":"to go. When a client wants to"},{"speaker":"Andy Hart","startTime":4609.74,"endTime":4612.2,"body":"become a client, I've got"},{"speaker":"Andy Hart","startTime":4609.74,"endTime":4612.2,"body":"another hidden link. I explain"},{"speaker":"Andy Hart","startTime":4612.2,"endTime":4616.16,"body":"all the steps that we've got to"},{"speaker":"Andy Hart","startTime":4612.2,"endTime":4616.16,"body":"go through. So there's lots of"},{"speaker":"Andy Hart","startTime":4616.16,"endTime":4619.5999999999995,"body":"movement, but I'm also, we're"},{"speaker":"Andy Hart","startTime":4616.16,"endTime":4619.5999999999995,"body":"also talking about our client"},{"speaker":"Andy Hart","startTime":4619.5999999999995,"endTime":4624.0999999999995,"body":"journeys and how we create these"},{"speaker":"Andy Hart","startTime":4619.5999999999995,"endTime":4624.0999999999995,"body":"we work with end clients. So it"},{"speaker":"Andy Hart","startTime":4624.0999999999995,"endTime":4627.46,"body":"all depends on how proactive and"},{"speaker":"Andy Hart","startTime":4624.0999999999995,"endTime":4627.46,"body":"organized they are. You can have"},{"speaker":"Andy Hart","startTime":4627.46,"endTime":4629.8,"body":"the most amazing systems and"},{"speaker":"Andy Hart","startTime":4627.46,"endTime":4629.8,"body":"processes in place and"},{"speaker":"Andy Hart","startTime":4629.8,"endTime":4634.5999999999995,"body":"onboarding, you know, process,"},{"speaker":"Andy Hart","startTime":4629.8,"endTime":4634.5999999999995,"body":"the client gets involved, and"},{"speaker":"Andy Hart","startTime":4634.5999999999995,"endTime":4637.2,"body":"they're, you know, unproactive."},{"speaker":"Andy Hart","startTime":4634.5999999999995,"endTime":4637.2,"body":"They're not really engaged in"},{"speaker":"Andy Hart","startTime":4637.2,"endTime":4639.96,"body":"the process. You're chasing"},{"speaker":"Andy Hart","startTime":4637.2,"endTime":4639.96,"body":"stuff for months. So, you know,"},{"speaker":"Andy Hart","startTime":4639.96,"endTime":4642.9,"body":"it's a two way street, isn't it,"},{"speaker":"Andy Hart","startTime":4639.96,"endTime":4642.9,"body":"when you're onboarding clients,"},{"speaker":"Andy Hart","startTime":4643.08,"endTime":4649.44,"body":"I mean, when they are organized,"},{"speaker":"Andy Hart","startTime":4643.08,"endTime":4649.44,"body":"motivated, proactive, it's a joy"},{"speaker":"Andy Hart","startTime":4649.44,"endTime":4652.38,"body":"to onboard them. You know, when"},{"speaker":"Andy Hart","startTime":4649.44,"endTime":4652.38,"body":"they're just a complete and"},{"speaker":"Andy Hart","startTime":4652.38,"endTime":4655.0199999999995,"body":"utter nightmare, don't reply to"},{"speaker":"Andy Hart","startTime":4652.38,"endTime":4655.0199999999995,"body":"emails and don't fill in a"},{"speaker":"Andy Hart","startTime":4655.0199999999995,"endTime":4657.8,"body":"DocuSign. You're just pulling"},{"speaker":"Andy Hart","startTime":4655.0199999999995,"endTime":4657.8,"body":"your teeth out, and then the"},{"speaker":"Andy Hart","startTime":4657.8,"endTime":4661.04,"body":"whole you and the team are just"},{"speaker":"Andy Hart","startTime":4657.8,"endTime":4661.04,"body":"spin around for months. So I"},{"speaker":"Andy Hart","startTime":4661.04,"endTime":4663.98,"body":"thought I mentioned that. So"},{"speaker":"Andy Hart","startTime":4661.04,"endTime":4663.98,"body":"yeah, a lot of people listening"},{"speaker":"Andy Hart","startTime":4664.22,"endTime":4666.86,"body":"probably do work in a digital"},{"speaker":"Andy Hart","startTime":4664.22,"endTime":4666.86,"body":"space. They are trying to"},{"speaker":"Andy Hart","startTime":4666.86,"endTime":4671.42,"body":"service more more families, but"},{"speaker":"Andy Hart","startTime":4666.86,"endTime":4671.42,"body":"I don't know if they'll, they'll"},{"speaker":"Andy Hart","startTime":4671.42,"endTime":4673.46,"body":"get to the point where they've"},{"speaker":"Andy Hart","startTime":4671.42,"endTime":4673.46,"body":"built their business to a"},{"speaker":"Andy Hart","startTime":4673.46,"endTime":4676.0999999999995,"body":"certain level, then they want to"},{"speaker":"Andy Hart","startTime":4673.46,"endTime":4676.0999999999995,"body":"get it, get a physical space."},{"speaker":"Andy Hart","startTime":4676.22,"endTime":4678.34,"body":"I'm just saying we don't know"},{"speaker":"Andy Hart","startTime":4676.22,"endTime":4678.34,"body":"exactly,"},{"speaker":"Carl Widger","startTime":4678.34,"endTime":4680.38,"body":"yeah, at the"},{"speaker":"Carl Widger","startTime":4678.34,"endTime":4680.38,"body":"moment. You know what? It would"},{"speaker":"Carl Widger","startTime":4680.38,"endTime":4682.9,"body":"have been stupid to have this"},{"speaker":"Carl Widger","startTime":4680.38,"endTime":4682.9,"body":"conversation without bringing"},{"speaker":"Carl Widger","startTime":4682.9,"endTime":4686.8,"body":"that up. It's, it's a, it's a"},{"speaker":"Carl Widger","startTime":4682.9,"endTime":4686.8,"body":"very, very valid point, but, but"},{"speaker":"Carl Widger","startTime":4686.8,"endTime":4690.88,"body":"one thing I would just push back"},{"speaker":"Carl Widger","startTime":4686.8,"endTime":4690.88,"body":"on a small bit, right? So we'll"},{"speaker":"Carl Widger","startTime":4690.88,"endTime":4693.58,"body":"send out. We've got the getting"},{"speaker":"Carl Widger","startTime":4690.88,"endTime":4693.58,"body":"to know you links that we'll"},{"speaker":"Carl Widger","startTime":4693.58,"endTime":4694.24,"body":"send out."},{"speaker":"Andy Hart","startTime":4694.3,"endTime":4697.44,"body":"Yeah, yeah, yeah,"},{"speaker":"Andy Hart","startTime":4694.3,"endTime":4697.44,"body":"absolutely. Videos and Yeah, and"},{"speaker":"Andy Hart","startTime":4697.44,"endTime":4697.62,"body":"if"},{"speaker":"Carl Widger","startTime":4697.62,"endTime":4700.5,"body":"the client's not"},{"speaker":"Carl Widger","startTime":4697.62,"endTime":4700.5,"body":"back, the private line manager"},{"speaker":"Carl Widger","startTime":4700.5,"endTime":4703.38,"body":"is getting in his or her car,"},{"speaker":"Carl Widger","startTime":4700.5,"endTime":4703.38,"body":"and they'll go out with a paper"},{"speaker":"Carl Widger","startTime":4703.38,"endTime":4707.04,"body":"version, and they'll, if it's"},{"speaker":"Carl Widger","startTime":4703.38,"endTime":4707.04,"body":"worth it, they'll go through it"},{"speaker":"Carl Widger","startTime":4707.04,"endTime":4709.98,"body":"with the client, you know. So we"},{"speaker":"Carl Widger","startTime":4707.04,"endTime":4709.98,"body":"see the clients where they are"},{"speaker":"Carl Widger","startTime":4709.98,"endTime":4713.76,"body":"at, and I see too many firms"},{"speaker":"Carl Widger","startTime":4709.98,"endTime":4713.76,"body":"are, you know, no, this is"},{"speaker":"Carl Widger","startTime":4713.76,"endTime":4716.9,"body":"exactly how we do it. And I"},{"speaker":"Carl Widger","startTime":4713.76,"endTime":4716.9,"body":"know, much easier for you guys"},{"speaker":"Carl Widger","startTime":4716.9,"endTime":4720.08,"body":"as so, so, but it's easy as"},{"speaker":"Carl Widger","startTime":4716.9,"endTime":4720.08,"body":"solos Nick, because you're"},{"speaker":"Carl Widger","startTime":4720.08,"endTime":4723.62,"body":"determining, yeah, I could"},{"speaker":"Carl Widger","startTime":4720.08,"endTime":4723.62,"body":"imagine Nick and I very scale of"},{"speaker":"Carl Widger","startTime":4723.62,"endTime":4727.88,"body":"the business is not the most"},{"speaker":"Carl Widger","startTime":4723.62,"endTime":4727.88,"body":"important thing, whereas for us,"},{"speaker":"Carl Widger","startTime":4727.94,"endTime":4733.82,"body":"you know, we are on a growth,"},{"speaker":"Carl Widger","startTime":4727.94,"endTime":4733.82,"body":"tragic trajectory, so that's"},{"speaker":"Carl Widger","startTime":4733.82,"endTime":4737.44,"body":"really, really important for us."},{"speaker":"Carl Widger","startTime":4733.82,"endTime":4737.44,"body":"We'll meet the client where they"},{"speaker":"Carl Widger","startTime":4737.44,"endTime":4740.5599999999995,"body":"are at and if it's older clients"},{"speaker":"Carl Widger","startTime":4737.44,"endTime":4740.5599999999995,"body":"who are not very tech savvy,"},{"speaker":"Carl Widger","startTime":4740.8,"endTime":4743.14,"body":"sure. So, okay, we'll find a"},{"speaker":"Carl Widger","startTime":4740.8,"endTime":4743.14,"body":"way."},{"speaker":"Andy Hart","startTime":4743.86,"endTime":4746.0199999999995,"body":"I mean, from"},{"speaker":"Andy Hart","startTime":4743.86,"endTime":4746.0199999999995,"body":"traveling around the country and"},{"speaker":"Andy Hart","startTime":4746.0199999999995,"endTime":4749.2,"body":"asking advisors, what split of"},{"speaker":"Andy Hart","startTime":4746.0199999999995,"endTime":4749.2,"body":"their life is physical meetings"},{"speaker":"Andy Hart","startTime":4749.2,"endTime":4753.28,"body":"and digital? My God, is it is"},{"speaker":"Andy Hart","startTime":4749.2,"endTime":4753.28,"body":"massively going towards the"},{"speaker":"Andy Hart","startTime":4753.28,"endTime":4757.14,"body":"digital. You know, some some"},{"speaker":"Andy Hart","startTime":4753.28,"endTime":4757.14,"body":"people in the room. It's like"},{"speaker":"Andy Hart","startTime":4757.14,"endTime":4760.74,"body":"80, 85% Yeah, big organizations,"},{"speaker":"Alan Smith","startTime":4760.8,"endTime":4763.2,"body":"that's, that's,"},{"speaker":"Alan Smith","startTime":4760.8,"endTime":4763.2,"body":"that's something that in our"},{"speaker":"Alan Smith","startTime":4763.2,"endTime":4767.5199999999995,"body":"firm, we've lost an element of"},{"speaker":"Alan Smith","startTime":4763.2,"endTime":4767.5199999999995,"body":"because we nailed that in"},{"speaker":"Alan Smith","startTime":4767.5199999999995,"endTime":4770.94,"body":"person. See, Carl. Carl went"},{"speaker":"Alan Smith","startTime":4767.5199999999995,"endTime":4770.94,"body":"through it. Lot of people went"},{"speaker":"Alan Smith","startTime":4770.94,"endTime":4774.96,"body":"through, yep, and we just, and I"},{"speaker":"Alan Smith","startTime":4770.94,"endTime":4774.96,"body":"was just sweating over every"},{"speaker":"Alan Smith","startTime":4774.96,"endTime":4777.08,"body":"last detail, you know, what"},{"speaker":"Alan Smith","startTime":4774.96,"endTime":4777.08,"body":"happens when they arrive at the"},{"speaker":"Alan Smith","startTime":4777.08,"endTime":4779.54,"body":"door, or everything, the"},{"speaker":"Alan Smith","startTime":4777.08,"endTime":4779.54,"body":"communication, all that. And"},{"speaker":"Alan Smith","startTime":4780.08,"endTime":4783.26,"body":"then we go zoom call, yeah. I"},{"speaker":"Alan Smith","startTime":4780.08,"endTime":4783.26,"body":"mean literally, just the smells"},{"speaker":"Alan Smith","startTime":4783.26,"endTime":4785.3,"body":"of the other things, a candle"},{"speaker":"Alan Smith","startTime":4783.26,"endTime":4785.3,"body":"was all sorts"},{"speaker":"Andy Hart","startTime":4785.3,"endTime":4788.18,"body":"of stuff. Joe knows,"},{"speaker":"Andy Hart","startTime":4785.3,"endTime":4788.18,"body":"diffuser, yeah, everything."},{"speaker":"Alan Smith","startTime":4789.2,"endTime":4791.54,"body":"And then we got them"},{"speaker":"Alan Smith","startTime":4789.2,"endTime":4791.54,"body":"your zoom calls. So,"},{"speaker":"Andy Hart","startTime":4791.54,"endTime":4794.66,"body":"yeah, so we so now"},{"speaker":"Andy Hart","startTime":4791.54,"endTime":4794.66,"body":"it's about your zoom setup."},{"speaker":"Andy Hart","startTime":4794.66,"endTime":4798.5199999999995,"body":"Yeah, for sure, how you sound,"},{"speaker":"Andy Hart","startTime":4794.66,"endTime":4798.5199999999995,"body":"it's lighting, it's all other"},{"speaker":"Andy Hart","startTime":4798.5199999999995,"endTime":4799.36,"body":"touch points you're"},{"speaker":"Alan Smith","startTime":4799.36,"endTime":4802.36,"body":"dealing with,"},{"speaker":"Alan Smith","startTime":4799.36,"endTime":4802.36,"body":"attention to detail, to use"},{"speaker":"Alan Smith","startTime":4802.36,"endTime":4806.0199999999995,"body":"Zoom, setup, or whatever it is,"},{"speaker":"Alan Smith","startTime":4802.36,"endTime":4806.0199999999995,"body":"we do our best to try to, at"},{"speaker":"Alan Smith","startTime":4806.0199999999995,"endTime":4808.42,"body":"least at the front end, have"},{"speaker":"Alan Smith","startTime":4806.0199999999995,"endTime":4808.42,"body":"that because that's when the"},{"speaker":"Alan Smith","startTime":4808.42,"endTime":4811.42,"body":"relationship is built. That's"},{"speaker":"Alan Smith","startTime":4808.42,"endTime":4811.42,"body":"when the trust is created. Do"},{"speaker":"Alan Smith","startTime":4811.42,"endTime":4814.48,"body":"that in person. Once you've got"},{"speaker":"Alan Smith","startTime":4811.42,"endTime":4814.48,"body":"that going, then they don't have"},{"speaker":"Alan Smith","startTime":4814.48,"endTime":4817.0199999999995,"body":"to, you don't have to meet in"},{"speaker":"Alan Smith","startTime":4814.48,"endTime":4817.0199999999995,"body":"person all the time going"},{"speaker":"Alan Smith","startTime":4817.0199999999995,"endTime":4820.14,"body":"forward, but it's good to sort"},{"speaker":"Alan Smith","startTime":4817.0199999999995,"endTime":4820.14,"body":"of, you know, press the flesh"},{"speaker":"Alan Smith","startTime":4820.14,"endTime":4821.22,"body":"see the whites of their eyes."},{"speaker":"Carl Widger","startTime":4821.28,"endTime":4824.04,"body":"We won't do it if"},{"speaker":"Carl Widger","startTime":4821.28,"endTime":4824.04,"body":"we don't meet them,"},{"speaker":"Andy Hart","startTime":4824.58,"endTime":4828.36,"body":"right? Fine. So your"},{"speaker":"Andy Hart","startTime":4824.58,"endTime":4828.36,"body":"your face to face is the trend,"},{"speaker":"Carl Widger","startTime":4828.66,"endTime":4831.72,"body":"and go, no, no, I"},{"speaker":"Carl Widger","startTime":4828.66,"endTime":4831.72,"body":"agree. If you're gonna, if"},{"speaker":"Carl Widger","startTime":4831.72,"endTime":4835.14,"body":"you're gonna entrust us with"},{"speaker":"Carl Widger","startTime":4831.72,"endTime":4835.14,"body":"your life savings, well then we"},{"speaker":"Carl Widger","startTime":4835.14,"endTime":4838.76,"body":"want you to come in and see our"},{"speaker":"Carl Widger","startTime":4835.14,"endTime":4838.76,"body":"environment we want to press the"},{"speaker":"Carl Widger","startTime":4838.76,"endTime":4839.24,"body":"flesh"},{"speaker":"Andy Hart","startTime":4839.36,"endTime":4841.5199999999995,"body":"absolutely ME and ME"},{"speaker":"Andy Hart","startTime":4839.36,"endTime":4841.5199999999995,"body":"and ME, Nick, are okay with it,"},{"speaker":"Andy Hart","startTime":4841.5199999999995,"endTime":4843.86,"body":"but that's the beauty of all"},{"speaker":"Andy Hart","startTime":4841.5199999999995,"endTime":4843.86,"body":"these different business models."},{"speaker":"Andy Hart","startTime":4843.86,"endTime":4846.14,"body":"You create your own nirvana."},{"speaker":"Andy Hart","startTime":4843.86,"endTime":4846.14,"body":"That's why you start your own"},{"speaker":"Andy Hart","startTime":4846.2,"endTime":4846.92,"body":"business. Yeah,"},{"speaker":"Alan Smith","startTime":4847.82,"endTime":4849.62,"body":"come on, Nick, you"},{"speaker":"Alan Smith","startTime":4847.82,"endTime":4849.62,"body":"must have something to say. I"},{"speaker":"Nick Lincoln","startTime":4849.62,"endTime":4852.08,"body":"don't really have"},{"speaker":"Nick Lincoln","startTime":4849.62,"endTime":4852.08,"body":"a lot to add. You and waj are"},{"speaker":"Nick Lincoln","startTime":4852.08,"endTime":4855.92,"body":"the two guys who have the bigger"},{"speaker":"Nick Lincoln","startTime":4852.08,"endTime":4855.92,"body":"vision and the more lavish"},{"speaker":"Nick Lincoln","startTime":4855.92,"endTime":4859.78,"body":"client experience. I take"},{"speaker":"Nick Lincoln","startTime":4855.92,"endTime":4859.78,"body":"clients on board, give them a"},{"speaker":"Nick Lincoln","startTime":4859.78,"endTime":4862.72,"body":"fantastic financial planning"},{"speaker":"Nick Lincoln","startTime":4859.78,"endTime":4862.72,"body":"service, and then, once a year,"},{"speaker":"Nick Lincoln","startTime":4862.72,"endTime":4866.32,"body":"send them a birthday card. And"},{"speaker":"Nick Lincoln","startTime":4862.72,"endTime":4866.32,"body":"that's it, that's, that's,"},{"speaker":"Nick Lincoln","startTime":4866.38,"endTime":4867.64,"body":"that's, that's, that's,"},{"speaker":"Carl Widger","startTime":4868.96,"endTime":4872.2,"body":"don't underestimate"},{"speaker":"Carl Widger","startTime":4868.96,"endTime":4872.2,"body":"the that your hand write a"},{"speaker":"Carl Widger","startTime":4872.2,"endTime":4874.78,"body":"birthday card so we have"},{"speaker":"Carl Widger","startTime":4872.2,"endTime":4874.78,"body":"handwritten thank you notes that"},{"speaker":"Carl Widger","startTime":4874.78,"endTime":4876.04,"body":"we do you know. And."},{"speaker":"Nick Lincoln","startTime":4876.12,"endTime":4878.28,"body":"We got three here"},{"speaker":"Nick Lincoln","startTime":4876.12,"endTime":4878.28,"body":"to post this afternoon."},{"speaker":"Carl Widger","startTime":4880.32,"endTime":4882.48,"body":"They are not"},{"speaker":"Carl Widger","startTime":4880.32,"endTime":4882.48,"body":"getting any other birthday cards"},{"speaker":"Carl Widger","startTime":4882.48,"endTime":4885.18,"body":"in the post, but they're getting"},{"speaker":"Carl Widger","startTime":4882.48,"endTime":4885.18,"body":"one from Nick and they like it."},{"speaker":"Carl Widger","startTime":4885.36,"endTime":4889.14,"body":"And, yeah, no, they genuinely"},{"speaker":"Carl Widger","startTime":4885.36,"endTime":4889.14,"body":"don't like that's a like. If"},{"speaker":"Carl Widger","startTime":4889.14,"endTime":4892.2,"body":"people only did one or two"},{"speaker":"Carl Widger","startTime":4889.14,"endTime":4892.2,"body":"small, very small things, right?"},{"speaker":"Carl Widger","startTime":4892.5599999999995,"endTime":4896.66,"body":"Get birthday cards and guess"},{"speaker":"Carl Widger","startTime":4892.5599999999995,"endTime":4896.66,"body":"Thank you, right? Thank"},{"speaker":"Nick Lincoln","startTime":4896.66,"endTime":4898.34,"body":"you, Carl, for"},{"speaker":"Nick Lincoln","startTime":4896.66,"endTime":4898.34,"body":"that. I appreciate that. I I'm"},{"speaker":"Nick Lincoln","startTime":4898.34,"endTime":4900.8,"body":"one thing I'm very good at."},{"speaker":"Nick Lincoln","startTime":4898.34,"endTime":4900.8,"body":"Well, one thing I do religiously"},{"speaker":"Nick Lincoln","startTime":4900.8,"endTime":4903.26,"body":"is I pick up, if I can pick up"},{"speaker":"Nick Lincoln","startTime":4900.8,"endTime":4903.26,"body":"someone's birthday through"},{"speaker":"Nick Lincoln","startTime":4903.26,"endTime":4906.38,"body":"whatever I put it in my"},{"speaker":"Nick Lincoln","startTime":4903.26,"endTime":4906.38,"body":"calendar. Yeah. So I've got,"},{"speaker":"Nick Lincoln","startTime":4906.38,"endTime":4909.74,"body":"like, I must have, like, 700 800"},{"speaker":"Nick Lincoln","startTime":4906.38,"endTime":4909.74,"body":"birthdays"},{"speaker":"Andy Hart","startTime":4909.74,"endTime":4911.5999999999995,"body":"in my calendar for"},{"speaker":"Andy Hart","startTime":4909.74,"endTime":4911.5999999999995,"body":"other people. There's no way."},{"speaker":"Andy Hart","startTime":4911.5999999999995,"endTime":4912.5599999999995,"body":"You know that many people."},{"speaker":"Nick Lincoln","startTime":4912.559,"endTime":4914.419,"body":"We've got that"},{"speaker":"Nick Lincoln","startTime":4912.559,"endTime":4914.419,"body":"many friends, Nick not saying"},{"speaker":"Nick Lincoln","startTime":4914.419,"endTime":4917.619,"body":"their friends, that people are"},{"speaker":"Nick Lincoln","startTime":4914.419,"endTime":4917.619,"body":"just after the second meeting."},{"speaker":"Nick Lincoln","startTime":4917.679,"endTime":4918.039,"body":"But dear"},{"speaker":"Unknown","startTime":4918.58,"endTime":4919.96,"body":"listeners, you could"},{"speaker":"Unknown","startTime":4918.58,"endTime":4919.96,"body":"divide that by 100"},{"speaker":"Nick Lincoln","startTime":4922.12,"endTime":4924.0999999999995,"body":"what say happy"},{"speaker":"Nick Lincoln","startTime":4922.12,"endTime":4924.0999999999995,"body":"birthday at the blue you know?"},{"speaker":"Nick Lincoln","startTime":4924.0999999999995,"endTime":4927.28,"body":"Because I think this is yes, but"},{"speaker":"Nick Lincoln","startTime":4924.0999999999995,"endTime":4927.28,"body":"I'm a very stripped down"},{"speaker":"Nick Lincoln","startTime":4927.28,"endTime":4931.36,"body":"business. I don't do that kind"},{"speaker":"Nick Lincoln","startTime":4927.28,"endTime":4931.36,"body":"of I don't do cappuccino Coffee."},{"speaker":"Nick Lincoln","startTime":4931.42,"endTime":4934.18,"body":"Coffee is meant to be had black,"},{"speaker":"Nick Lincoln","startTime":4931.42,"endTime":4934.18,"body":"by the way. Don't put milk on"},{"speaker":"Nick Lincoln","startTime":4934.18,"endTime":4937.5,"body":"it. Spoiler, yeah, I don't, I"},{"speaker":"Nick Lincoln","startTime":4934.18,"endTime":4937.5,"body":"don't see clients to put to give"},{"speaker":"Nick Lincoln","startTime":4937.5,"endTime":4940.08,"body":"them fancy cappuccinos and that"},{"speaker":"Nick Lincoln","startTime":4937.5,"endTime":4940.08,"body":"kind of stuff, I mean, but it's"},{"speaker":"Nick Lincoln","startTime":4940.08,"endTime":4942.78,"body":"a different meat of potatoes we"},{"speaker":"Nick Lincoln","startTime":4940.08,"endTime":4942.78,"body":"have talked about, I think, the"},{"speaker":"Nick Lincoln","startTime":4942.78,"endTime":4945.0599999999995,"body":"onboarding process, which is not"},{"speaker":"Nick Lincoln","startTime":4942.78,"endTime":4945.0599999999995,"body":"the same as the client"},{"speaker":"Nick Lincoln","startTime":4945.0599999999995,"endTime":4947.4,"body":"experience. Yeah, they're sort"},{"speaker":"Nick Lincoln","startTime":4945.0599999999995,"endTime":4947.4,"body":"of, they're sort of merged"},{"speaker":"Nick Lincoln","startTime":4948.3,"endTime":4950.4,"body":"somewhere, as you guys know, and"},{"speaker":"Nick Lincoln","startTime":4948.3,"endTime":4950.4,"body":"the TRAPPIST might know, I've"},{"speaker":"Nick Lincoln","startTime":4950.4,"endTime":4954.72,"body":"got a very flow chart, very"},{"speaker":"Nick Lincoln","startTime":4950.4,"endTime":4954.72,"body":"process driven onboarding"},{"speaker":"Nick Lincoln","startTime":4954.72,"endTime":4957.08,"body":"experience, where I try and"},{"speaker":"Nick Lincoln","startTime":4954.72,"endTime":4957.08,"body":"minimize the pain for the"},{"speaker":"Nick Lincoln","startTime":4957.08,"endTime":4959.48,"body":"clients. And, you know, yes,"},{"speaker":"Nick Lincoln","startTime":4957.08,"endTime":4959.48,"body":"exactly, tell them up front,"},{"speaker":"Nick Lincoln","startTime":4959.48,"endTime":4962.3,"body":"this is going to be painful. By"},{"speaker":"Nick Lincoln","startTime":4959.48,"endTime":4962.3,"body":"simplify, I'm not sending"},{"speaker":"Nick Lincoln","startTime":4962.3,"endTime":4965.0,"body":"anything. I send you. I'm not"},{"speaker":"Nick Lincoln","startTime":4962.3,"endTime":4965.0,"body":"sending it because I'm nosy. I"},{"speaker":"Nick Lincoln","startTime":4965.0,"endTime":4968.24,"body":"have to send it to you, and I"},{"speaker":"Nick Lincoln","startTime":4965.0,"endTime":4968.24,"body":"need it back. And it's, you"},{"speaker":"Nick Lincoln","startTime":4968.24,"endTime":4970.28,"body":"know, I'm very efficient at"},{"speaker":"Nick Lincoln","startTime":4968.24,"endTime":4970.28,"body":"that, but, yeah, but that's a"},{"speaker":"Nick Lincoln","startTime":4970.28,"endTime":4972.74,"body":"different piece of potatoes. I"},{"speaker":"Nick Lincoln","startTime":4970.28,"endTime":4972.74,"body":"haven't really got much to add."},{"speaker":"Nick Lincoln","startTime":4972.74,"endTime":4974.54,"body":"I'm conscious about 80 minutes"},{"speaker":"Nick Lincoln","startTime":4972.74,"endTime":4974.54,"body":"into this. So"},{"speaker":"Alan Smith","startTime":4974.54,"endTime":4977.26,"body":"let me just give"},{"speaker":"Alan Smith","startTime":4974.54,"endTime":4977.26,"body":"you, as we, as we time on this"},{"speaker":"Alan Smith","startTime":4977.26,"endTime":4980.38,"body":"whole thing, some are going to"},{"speaker":"Alan Smith","startTime":4977.26,"endTime":4980.38,"body":"give you three very quick,"},{"speaker":"Alan Smith","startTime":4980.38,"endTime":4984.22,"body":"practical things that you could"},{"speaker":"Alan Smith","startTime":4980.38,"endTime":4984.22,"body":"do, any any advisor could do."},{"speaker":"Alan Smith","startTime":4984.88,"endTime":4988.72,"body":"First of all, often you will"},{"speaker":"Alan Smith","startTime":4984.88,"endTime":4988.72,"body":"know the have the client's"},{"speaker":"Alan Smith","startTime":4988.78,"endTime":4992.68,"body":"passport details. When you take"},{"speaker":"Alan Smith","startTime":4988.78,"endTime":4992.68,"body":"them on on board them, you just"},{"speaker":"Alan Smith","startTime":4992.74,"endTime":4996.72,"body":"automate in your system the"},{"speaker":"Alan Smith","startTime":4992.74,"endTime":4996.72,"body":"expiry date of that passport and"},{"speaker":"Alan Smith","startTime":4996.78,"endTime":4999.78,"body":"12, six to 12 months prior to"},{"speaker":"Alan Smith","startTime":4996.78,"endTime":4999.78,"body":"the expiry, do nothing. Just"},{"speaker":"Alan Smith","startTime":4999.78,"endTime":5002.72,"body":"send out a message, just to let"},{"speaker":"Alan Smith","startTime":4999.78,"endTime":5002.72,"body":"you know your password. Passport"},{"speaker":"Alan Smith","startTime":5002.72,"endTime":5005.66,"body":"expires in six months. Here's a"},{"speaker":"Alan Smith","startTime":5002.72,"endTime":5005.66,"body":"link to get a new passport. You"},{"speaker":"Alan Smith","startTime":5005.66,"endTime":5008.3,"body":"might have forgotten about it,"},{"speaker":"Alan Smith","startTime":5005.66,"endTime":5008.3,"body":"but just just start so you could"},{"speaker":"Alan Smith","startTime":5008.3,"endTime":5011.66,"body":"do that. Number one,"},{"speaker":"Alan Smith","startTime":5008.3,"endTime":5011.66,"body":"magnificent. Number two, and"},{"speaker":"Alan Smith","startTime":5011.66,"endTime":5014.3,"body":"this is for all the men out"},{"speaker":"Alan Smith","startTime":5011.66,"endTime":5014.3,"body":"there, without being too sexist"},{"speaker":"Alan Smith","startTime":5014.3,"endTime":5017.0599999999995,"body":"about it, but we often will. We"},{"speaker":"Alan Smith","startTime":5014.3,"endTime":5017.0599999999995,"body":"will do our best to find out,"},{"speaker":"Alan Smith","startTime":5017.0599999999995,"endTime":5019.9,"body":"because you wouldn't normally"},{"speaker":"Alan Smith","startTime":5017.0599999999995,"endTime":5019.9,"body":"get a marriage certificate when"},{"speaker":"Alan Smith","startTime":5019.9,"endTime":5022.36,"body":"you are taking on a new client,"},{"speaker":"Alan Smith","startTime":5019.9,"endTime":5022.36,"body":"but we'll find out, when did you"},{"speaker":"Alan Smith","startTime":5022.36,"endTime":5025.48,"body":"guys get married? Oh, it's the"},{"speaker":"Alan Smith","startTime":5022.36,"endTime":5025.48,"body":"31st of July. Noted interesting"},{"speaker":"Alan Smith","startTime":5025.72,"endTime":5029.2,"body":"pop that in your calendar. You"},{"speaker":"Alan Smith","startTime":5025.72,"endTime":5029.2,"body":"send that out to a husband. And,"},{"speaker":"Alan Smith","startTime":5029.38,"endTime":5032.5599999999995,"body":"you know, hesitate to be sexist,"},{"speaker":"Alan Smith","startTime":5029.38,"endTime":5032.5599999999995,"body":"but it is usually you men who"},{"speaker":"Alan Smith","startTime":5032.5599999999995,"endTime":5036.78,"body":"forget about the other half"},{"speaker":"Alan Smith","startTime":5032.5599999999995,"endTime":5036.78,"body":"special day just just just to"},{"speaker":"Alan Smith","startTime":5036.78,"endTime":5039.36,"body":"remind you, it's you and Julie's"},{"speaker":"Alan Smith","startTime":5036.78,"endTime":5039.36,"body":"wedding anniversary on Friday."},{"speaker":"Alan Smith","startTime":5039.36,"endTime":5042.5999999999995,"body":"Here's a link. Send us some"},{"speaker":"Alan Smith","startTime":5039.36,"endTime":5042.5999999999995,"body":"lovely flowers. But her husband"},{"speaker":"Alan Smith","startTime":5042.5999999999995,"endTime":5046.32,"body":"is very grateful for you doing"},{"speaker":"Alan Smith","startTime":5042.5999999999995,"endTime":5046.32,"body":"things I wouldn't like that one"},{"speaker":"Alan Smith","startTime":5046.86,"endTime":5048.36,"body":"you wouldn't now you well,"},{"speaker":"Unknown","startTime":5052.86,"endTime":5055.98,"body":"Carl, whatever, go and"},{"speaker":"Unknown","startTime":5052.86,"endTime":5055.98,"body":"buy yourself a drink. But the"},{"speaker":"Unknown","startTime":5055.98,"endTime":5058.5199999999995,"body":"last thing that any, anyone can"},{"speaker":"Unknown","startTime":5055.98,"endTime":5058.5199999999995,"body":"do you've had all that"},{"speaker":"Unknown","startTime":5058.5199999999995,"endTime":5062.96,"body":"onboarding stuff, is just send a"},{"speaker":"Unknown","startTime":5058.5199999999995,"endTime":5062.96,"body":"put a calendar note, try to"},{"speaker":"Unknown","startTime":5063.14,"endTime":5066.38,"body":"automate this 9090, day check"},{"speaker":"Unknown","startTime":5063.14,"endTime":5066.38,"body":"in. They've been up and running"},{"speaker":"Unknown","startTime":5066.38,"endTime":5069.0199999999995,"body":"for three months. It kind of"},{"speaker":"Unknown","startTime":5066.38,"endTime":5069.0199999999995,"body":"forgotten about it. Life's moved"},{"speaker":"Unknown","startTime":5069.0199999999995,"endTime":5071.96,"body":"on. Yeah, just an outreach"},{"speaker":"Unknown","startTime":5069.0199999999995,"endTime":5071.96,"body":"called now this is, this is"},{"speaker":"Unknown","startTime":5071.96,"endTime":5074.78,"body":"called systematic spontaneity."},{"speaker":"Unknown","startTime":5071.96,"endTime":5074.78,"body":"In other words, they think you"},{"speaker":"Unknown","startTime":5074.78,"endTime":5077.14,"body":"just thought about them, but"},{"speaker":"Unknown","startTime":5074.78,"endTime":5077.14,"body":"you've known it's in your"},{"speaker":"Unknown","startTime":5077.14,"endTime":5079.9,"body":"calendar. Three months on board,"},{"speaker":"Unknown","startTime":5077.14,"endTime":5079.9,"body":"just checking in everything."},{"speaker":"Unknown","startTime":5079.9,"endTime":5082.5999999999995,"body":"Okay, can I do anything else"},{"speaker":"Unknown","startTime":5079.9,"endTime":5082.5999999999995,"body":"that's just a nice touch,"},{"speaker":"Unknown","startTime":5082.66,"endTime":5085.96,"body":"something simple, effective,"},{"speaker":"Unknown","startTime":5082.66,"endTime":5085.96,"body":"that anyone can do?"},{"speaker":"Carl Widger","startTime":5086.2,"endTime":5088.9,"body":"Just a tweak on"},{"speaker":"Carl Widger","startTime":5086.2,"endTime":5088.9,"body":"that? Adam, we send a letter"},{"speaker":"Carl Widger","startTime":5088.9,"endTime":5092.32,"body":"that all new clients get, a"},{"speaker":"Carl Widger","startTime":5088.9,"endTime":5092.32,"body":"letter from me at that point to"},{"speaker":"Carl Widger","startTime":5092.32,"endTime":5096.5199999999995,"body":"say everything, okay. Alan is"},{"speaker":"Carl Widger","startTime":5092.32,"endTime":5096.5199999999995,"body":"delighted to be dealing with"},{"speaker":"Carl Widger","startTime":5096.5199999999995,"endTime":5099.0,"body":"you. And you know, here's your"},{"speaker":"Carl Widger","startTime":5096.5199999999995,"endTime":5099.0,"body":"team, but here's my mobile"},{"speaker":"Carl Widger","startTime":5099.0,"endTime":5101.58,"body":"number if you want to call me."},{"speaker":"Carl Widger","startTime":5099.0,"endTime":5101.58,"body":"And nobody, oh, that's"},{"speaker":"Andy Hart","startTime":5101.58,"endTime":5103.62,"body":"decent. That's"},{"speaker":"Andy Hart","startTime":5101.58,"endTime":5103.62,"body":"decent. No, we, yeah, we've done"},{"speaker":"Andy Hart","startTime":5103.62,"endTime":5104.28,"body":"that. Okay,"},{"speaker":"Nick Lincoln","startTime":5104.34,"endTime":5106.38,"body":"all right, yes,"},{"speaker":"Nick Lincoln","startTime":5104.34,"endTime":5106.38,"body":"thank you. Thanks guys for that."},{"speaker":"Nick Lincoln","startTime":5106.38,"endTime":5107.88,"body":"Thanks. That was a decent"},{"speaker":"Andy Hart","startTime":5107.88,"endTime":5109.5599999999995,"body":"meeting to 11 or"},{"speaker":"Andy Hart","startTime":5107.88,"endTime":5109.5599999999995,"body":"eight. Well,"},{"speaker":"Nick Lincoln","startTime":5109.559,"endTime":5113.639,"body":"cross and he just"},{"speaker":"Nick Lincoln","startTime":5109.559,"endTime":5113.639,"body":"unpacked. Okay, talk under me"},{"speaker":"Nick Lincoln","startTime":5113.639,"endTime":5116.099,"body":"four minutes. Keep him talking."},{"speaker":"Nick Lincoln","startTime":5113.639,"endTime":5116.099,"body":"He's a"},{"speaker":"Alan Smith","startTime":5116.099,"endTime":5119.299,"body":"good boner, that's"},{"speaker":"Alan Smith","startTime":5116.099,"endTime":5119.299,"body":"for sure. Yes, I am right."},{"speaker":"Alan Smith","startTime":5119.3589999999995,"endTime":5122.479,"body":"What's next? Nicholas, now I'm"},{"speaker":"Alan Smith","startTime":5119.3589999999995,"endTime":5122.479,"body":"watching the cricket. Let's move"},{"speaker":"Alan Smith","startTime":5122.479,"endTime":5122.899,"body":"on"},{"speaker":"Nick Lincoln","startTime":5123.019,"endTime":5125.959,"body":"right. Let's go on"},{"speaker":"Nick Lincoln","startTime":5123.019,"endTime":5125.959,"body":"to the TRAPPIST questions,"},{"speaker":"Nick Lincoln","startTime":5125.959,"endTime":5128.719,"body":"because post has been waiting"},{"speaker":"Nick Lincoln","startTime":5125.959,"endTime":5128.719,"body":"outside my front door for ages,"},{"speaker":"Nick Lincoln","startTime":5128.719,"endTime":5131.299,"body":"and there she goes suddenly,"},{"speaker":"Nick Lincoln","startTime":5128.719,"endTime":5131.299,"body":"pressing my front door bell,"},{"speaker":"Nick Lincoln","startTime":5131.299,"endTime":5133.579,"body":"she's dragged the bulging sack"},{"speaker":"Nick Lincoln","startTime":5131.299,"endTime":5133.579,"body":"of TRAPPIST questions up the"},{"speaker":"Nick Lincoln","startTime":5133.579,"endTime":5136.299,"body":"drive to Lincoln Lodge. If you"},{"speaker":"Nick Lincoln","startTime":5133.579,"endTime":5136.299,"body":"want to leave a question, go to"},{"speaker":"Nick Lincoln","startTime":5136.299,"endTime":5138.759,"body":"the pinned X on tweet, the"},{"speaker":"Nick Lincoln","startTime":5136.299,"endTime":5138.759,"body":"pinned tweet on X, whatever,"},{"speaker":"Nick Lincoln","startTime":5138.8189999999995,"endTime":5141.399,"body":"leave a question. We will get to"},{"speaker":"Nick Lincoln","startTime":5138.8189999999995,"endTime":5141.399,"body":"it. We're still answering"},{"speaker":"Nick Lincoln","startTime":5141.399,"endTime":5144.879,"body":"questions from last year."},{"speaker":"Nick Lincoln","startTime":5141.399,"endTime":5144.879,"body":"There's also a link to the to"},{"speaker":"Nick Lincoln","startTime":5144.879,"endTime":5147.879,"body":"where you can leave questions in"},{"speaker":"Nick Lincoln","startTime":5144.879,"endTime":5147.879,"body":"the so called show notes as"},{"speaker":"Nick Lincoln","startTime":5147.879,"endTime":5151.899,"body":"well. And let's have a look and"},{"speaker":"Nick Lincoln","startTime":5147.879,"endTime":5151.899,"body":"see who this letter is from. I"},{"speaker":"Nick Lincoln","startTime":5151.899,"endTime":5157.439,"body":"can never find. There we go."},{"speaker":"Nick Lincoln","startTime":5151.899,"endTime":5157.439,"body":"This is from no nice Manila"},{"speaker":"Nick Lincoln","startTime":5157.439,"endTime":5163.199,"body":"paper, good quality paper. This"},{"speaker":"Nick Lincoln","startTime":5157.439,"endTime":5163.199,"body":"is from Tom. Oh, who's on x, at"},{"speaker":"Nick Lincoln","startTime":5163.199,"endTime":5167.8189999999995,"body":"Tom? Underscore, oats, 54 Oh,"},{"speaker":"Nick Lincoln","startTime":5163.199,"endTime":5167.8189999999995,"body":"God, another time. Time to grab"},{"speaker":"Nick Lincoln","startTime":5167.8189999999995,"endTime":5169.8589999999995,"body":"a long drink. This question"},{"speaker":"Nick Lincoln","startTime":5167.8189999999995,"endTime":5169.8589999999995,"body":"might be a bit long, only"},{"speaker":"Nick Lincoln","startTime":5169.8589999999995,"endTime":5172.679,"body":"recently discovered the podcast,"},{"speaker":"Nick Lincoln","startTime":5169.8589999999995,"endTime":5172.679,"body":"apologies if it's been covered"},{"speaker":"Nick Lincoln","startTime":5172.679,"endTime":5174.899,"body":"before. Everyone says that my"},{"speaker":"Nick Lincoln","startTime":5172.679,"endTime":5174.899,"body":"question, how would you"},{"speaker":"Nick Lincoln","startTime":5174.899,"endTime":5177.739,"body":"recommend transitioning? Towards"},{"speaker":"Nick Lincoln","startTime":5174.899,"endTime":5177.739,"body":"a real financial planning"},{"speaker":"Nick Lincoln","startTime":5177.739,"endTime":5180.259,"body":"service. I recently joined my"},{"speaker":"Nick Lincoln","startTime":5177.739,"endTime":5180.259,"body":"family firm where my dad, who"},{"speaker":"Nick Lincoln","startTime":5180.259,"endTime":5183.679,"body":"has been running the firm since"},{"speaker":"Nick Lincoln","startTime":5180.259,"endTime":5183.679,"body":"the 1980s has been operating on"},{"speaker":"Nick Lincoln","startTime":5183.679,"endTime":5186.019,"body":"the more policy slash"},{"speaker":"Nick Lincoln","startTime":5183.679,"endTime":5186.019,"body":"transactional basis. I've"},{"speaker":"Nick Lincoln","startTime":5186.739,"endTime":5189.8589999999995,"body":"recently done my CFPs, and want"},{"speaker":"Nick Lincoln","startTime":5186.739,"endTime":5189.8589999999995,"body":"to transition the business into"},{"speaker":"Nick Lincoln","startTime":5189.8589999999995,"endTime":5192.379,"body":"the financial planning space. We"},{"speaker":"Nick Lincoln","startTime":5189.8589999999995,"endTime":5192.379,"body":"are launching a new company"},{"speaker":"Nick Lincoln","startTime":5192.379,"endTime":5194.839,"body":"going from sole traders to"},{"speaker":"Nick Lincoln","startTime":5192.379,"endTime":5194.839,"body":"limited so it could be the ideal"},{"speaker":"Nick Lincoln","startTime":5194.839,"endTime":5197.919,"body":"time. But there are a large"},{"speaker":"Nick Lincoln","startTime":5194.839,"endTime":5197.919,"body":"amount of existing clients,"},{"speaker":"Nick Lincoln","startTime":5197.919,"endTime":5200.559,"body":"mostly older clients, who will"},{"speaker":"Nick Lincoln","startTime":5197.919,"endTime":5200.559,"body":"be used to the existing process."},{"speaker":"Nick Lincoln","startTime":5200.559,"endTime":5203.379,"body":"Plus there are too many to offer"},{"speaker":"Nick Lincoln","startTime":5200.559,"endTime":5203.379,"body":"full financial planning too. We"},{"speaker":"Nick Lincoln","startTime":5203.619,"endTime":5208.479,"body":"have over 600 individual and two"},{"speaker":"Nick Lincoln","startTime":5203.619,"endTime":5208.479,"body":"group schemes, which I would"},{"speaker":"Nick Lincoln","startTime":5208.839,"endTime":5211.419,"body":"have to service myself as the"},{"speaker":"Nick Lincoln","startTime":5208.839,"endTime":5211.419,"body":"old man isn't going to be"},{"speaker":"Nick Lincoln","startTime":5211.419,"endTime":5213.699,"body":"offering full fat financial"},{"speaker":"Nick Lincoln","startTime":5211.419,"endTime":5213.699,"body":"planning. Old Dog, new tricks,"},{"speaker":"Nick Lincoln","startTime":5213.699,"endTime":5217.139,"body":"etc. Yeah, get that. Okay, my"},{"speaker":"Nick Lincoln","startTime":5213.699,"endTime":5217.139,"body":"thoughts are to onboard new"},{"speaker":"Nick Lincoln","startTime":5217.139,"endTime":5219.7789999999995,"body":"clients as financial planning"},{"speaker":"Nick Lincoln","startTime":5217.139,"endTime":5219.7789999999995,"body":"clients, but then I'm getting"},{"speaker":"Nick Lincoln","startTime":5219.7789999999995,"endTime":5222.119,"body":"into the issue of having"},{"speaker":"Nick Lincoln","startTime":5219.7789999999995,"endTime":5222.119,"body":"different processes for legacy"},{"speaker":"Nick Lincoln","startTime":5222.119,"endTime":5224.159,"body":"clients. Carl, do you want to"},{"speaker":"Nick Lincoln","startTime":5222.119,"endTime":5224.159,"body":"lead off on this? But"},{"speaker":"Carl Widger","startTime":5224.16,"endTime":5226.68,"body":"I've got a bit of"},{"speaker":"Carl Widger","startTime":5224.16,"endTime":5226.68,"body":"input, yeah. So being there,"},{"speaker":"Carl Widger","startTime":5226.68,"endTime":5230.94,"body":"done that. It's not easy. It's"},{"speaker":"Carl Widger","startTime":5226.68,"endTime":5230.94,"body":"really, really hard, actually."},{"speaker":"Carl Widger","startTime":5231.24,"endTime":5234.84,"body":"First thing in case I forget,"},{"speaker":"Carl Widger","startTime":5231.24,"endTime":5234.84,"body":"get rid of the group schemes."},{"speaker":"Carl Widger","startTime":5234.84,"endTime":5238.58,"body":"Just sell them. Ditch them."},{"speaker":"Carl Widger","startTime":5234.84,"endTime":5238.58,"body":"Resign for them. They're gonna"},{"speaker":"Carl Widger","startTime":5238.64,"endTime":5242.78,"body":"lead you nowhere, other than"},{"speaker":"Carl Widger","startTime":5238.64,"endTime":5242.78,"body":"into big, bad admin holes that"},{"speaker":"Carl Widger","startTime":5242.78,"endTime":5246.86,"body":"you don't need to be into."},{"speaker":"Carl Widger","startTime":5242.78,"endTime":5246.86,"body":"Second thing is, yeah, do set"},{"speaker":"Carl Widger","startTime":5246.86,"endTime":5250.28,"body":"your stall out to have two news"},{"speaker":"Carl Widger","startTime":5246.86,"endTime":5250.28,"body":"two different services for for"},{"speaker":"Carl Widger","startTime":5250.28,"endTime":5254.72,"body":"the first couple of years, I"},{"speaker":"Carl Widger","startTime":5250.28,"endTime":5254.72,"body":"would say all new clients go are"},{"speaker":"Carl Widger","startTime":5254.72,"endTime":5257.74,"body":"on boarded via financial"},{"speaker":"Carl Widger","startTime":5254.72,"endTime":5257.74,"body":"planning, and don't take them on"},{"speaker":"Carl Widger","startTime":5257.92,"endTime":5261.22,"body":"if they won't do financial"},{"speaker":"Carl Widger","startTime":5257.92,"endTime":5261.22,"body":"planning. And if you find your"},{"speaker":"Carl Widger","startTime":5261.22,"endTime":5264.82,"body":"experience that there most"},{"speaker":"Carl Widger","startTime":5261.22,"endTime":5264.82,"body":"people are a lot of those people"},{"speaker":"Carl Widger","startTime":5264.82,"endTime":5267.22,"body":"that you're meeting are not"},{"speaker":"Carl Widger","startTime":5264.82,"endTime":5267.22,"body":"willing to do financial"},{"speaker":"Carl Widger","startTime":5267.22,"endTime":5269.98,"body":"planning, you've got your"},{"speaker":"Carl Widger","startTime":5267.22,"endTime":5269.98,"body":"systems and processes wrong."},{"speaker":"Carl Widger","startTime":5269.98,"endTime":5272.98,"body":"You're explaining it more"},{"speaker":"Carl Widger","startTime":5269.98,"endTime":5272.98,"body":"poorly. So you got to figure"},{"speaker":"Carl Widger","startTime":5272.98,"endTime":5277.98,"body":"that out. Then go, I'm not sure"},{"speaker":"Carl Widger","startTime":5272.98,"endTime":5277.98,"body":"you said that your dad won't do"},{"speaker":"Carl Widger","startTime":5277.98,"endTime":5281.46,"body":"financial planning, let your dad"},{"speaker":"Carl Widger","startTime":5277.98,"endTime":5281.46,"body":"service the clients that are"},{"speaker":"Carl Widger","startTime":5281.46,"endTime":5284.46,"body":"there already if he's staying."},{"speaker":"Carl Widger","startTime":5281.46,"endTime":5284.46,"body":"But then you mentioned"},{"speaker":"Carl Widger","startTime":5284.5199999999995,"endTime":5287.34,"body":"something, so maybe he's"},{"speaker":"Carl Widger","startTime":5284.5199999999995,"endTime":5287.34,"body":"leaving, if he's leaving, what"},{"speaker":"Carl Widger","startTime":5287.34,"endTime":5290.46,"body":"you could do is you could, you"},{"speaker":"Carl Widger","startTime":5287.34,"endTime":5290.46,"body":"know, hire a service advisor or"},{"speaker":"Carl Widger","startTime":5290.46,"endTime":5295.08,"body":"something like that, but it"},{"speaker":"Carl Widger","startTime":5290.46,"endTime":5295.08,"body":"within those 600 clients you're"},{"speaker":"Carl Widger","startTime":5295.08,"endTime":5301.16,"body":"going to have, I don't know, 20,"},{"speaker":"Carl Widger","startTime":5295.08,"endTime":5301.16,"body":"3040, 5060, clients who will be"},{"speaker":"Carl Widger","startTime":5301.34,"endTime":5304.16,"body":"advocates of your business. So"},{"speaker":"Carl Widger","startTime":5301.34,"endTime":5304.16,"body":"will have been with your dad for"},{"speaker":"Carl Widger","startTime":5304.16,"endTime":5307.58,"body":"a long time, and you can go and"},{"speaker":"Carl Widger","startTime":5304.16,"endTime":5307.58,"body":"explain to them this new service"},{"speaker":"Carl Widger","startTime":5307.58,"endTime":5311.42,"body":"and that you'd like to run it by"},{"speaker":"Carl Widger","startTime":5307.58,"endTime":5311.42,"body":"by them. Now, the difficulty in"},{"speaker":"Carl Widger","startTime":5311.42,"endTime":5316.46,"body":"that is, you know, been there"},{"speaker":"Carl Widger","startTime":5311.42,"endTime":5316.46,"body":"whereby, you know some clients."},{"speaker":"Carl Widger","startTime":5316.46,"endTime":5319.54,"body":"I had a very wealthy client, and"},{"speaker":"Carl Widger","startTime":5316.46,"endTime":5319.54,"body":"it was like, you know, I used to"},{"speaker":"Carl Widger","startTime":5319.54,"endTime":5323.98,"body":"go in and tell him why his fund"},{"speaker":"Carl Widger","startTime":5319.54,"endTime":5323.98,"body":"was doing X, Y and Z, which was,"},{"speaker":"Carl Widger","startTime":5323.98,"endTime":5326.68,"body":"I actually believe that was"},{"speaker":"Carl Widger","startTime":5323.98,"endTime":5326.68,"body":"doing the right thing. But I"},{"speaker":"Carl Widger","startTime":5326.68,"endTime":5329.98,"body":"then realized afterwards, okay,"},{"speaker":"Carl Widger","startTime":5326.68,"endTime":5329.98,"body":"this is absolute bullshit. But"},{"speaker":"Carl Widger","startTime":5329.98,"endTime":5333.16,"body":"then I went to smoke, to smoke,"},{"speaker":"Carl Widger","startTime":5329.98,"endTime":5333.16,"body":"to him about his goals, dreams"},{"speaker":"Carl Widger","startTime":5333.16,"endTime":5336.5999999999995,"body":"and aspirations. And he was, he"},{"speaker":"Carl Widger","startTime":5333.16,"endTime":5336.5999999999995,"body":"was worried about me, like he"},{"speaker":"Carl Widger","startTime":5336.5999999999995,"endTime":5340.86,"body":"was like, holy, you're right."},{"speaker":"Carl Widger","startTime":5336.5999999999995,"endTime":5340.86,"body":"Oh, yeah. What's wrong with your"},{"speaker":"Carl Widger","startTime":5340.86,"endTime":5343.74,"body":"man waiter? He's been talking"},{"speaker":"Carl Widger","startTime":5340.86,"endTime":5343.74,"body":"about fluffy stuff, like, I just"},{"speaker":"Carl Widger","startTime":5343.74,"endTime":5346.26,"body":"want to know how the pension is"},{"speaker":"Carl Widger","startTime":5343.74,"endTime":5346.26,"body":"doing and what it's going to do"},{"speaker":"Carl Widger","startTime":5346.26,"endTime":5349.08,"body":"for the next two years, because"},{"speaker":"Carl Widger","startTime":5346.26,"endTime":5349.08,"body":"that's what he always told me."},{"speaker":"Carl Widger","startTime":5349.08,"endTime":5353.34,"body":"And so, so it will be a bit"},{"speaker":"Carl Widger","startTime":5349.08,"endTime":5353.34,"body":"tricky, and but some people will"},{"speaker":"Carl Widger","startTime":5353.34,"endTime":5356.04,"body":"absolutely love it and will jump"},{"speaker":"Carl Widger","startTime":5353.34,"endTime":5356.04,"body":"on it, and you'll go, we're"},{"speaker":"Carl Widger","startTime":5356.04,"endTime":5359.42,"body":"going to transition you across"},{"speaker":"Carl Widger","startTime":5356.04,"endTime":5359.42,"body":"to this new service, so you can"},{"speaker":"Carl Widger","startTime":5359.42,"endTime":5363.44,"body":"go that way, and then over time,"},{"speaker":"Carl Widger","startTime":5359.42,"endTime":5363.44,"body":"because, look, you got to be"},{"speaker":"Carl Widger","startTime":5363.44,"endTime":5366.0199999999995,"body":"commercial about this. If you,"},{"speaker":"Carl Widger","startTime":5363.44,"endTime":5366.0199999999995,"body":"if you're moving from sole"},{"speaker":"Carl Widger","startTime":5366.0199999999995,"endTime":5368.36,"body":"trader to your limited company,"},{"speaker":"Carl Widger","startTime":5366.0199999999995,"endTime":5368.36,"body":"you're going to need those"},{"speaker":"Carl Widger","startTime":5368.36,"endTime":5371.66,"body":"clients come with you to pay the"},{"speaker":"Carl Widger","startTime":5368.36,"endTime":5371.66,"body":"bills, I guess, right. So be"},{"speaker":"Carl Widger","startTime":5371.72,"endTime":5376.34,"body":"commercial about it. And over"},{"speaker":"Carl Widger","startTime":5371.72,"endTime":5376.34,"body":"time, maybe you'll have moved."},{"speaker":"Carl Widger","startTime":5376.4,"endTime":5379.24,"body":"You'll have brought on 50 new"},{"speaker":"Carl Widger","startTime":5376.4,"endTime":5379.24,"body":"families. You'll have moved"},{"speaker":"Carl Widger","startTime":5379.24,"endTime":5382.96,"body":"across 50 families. There's 100"},{"speaker":"Carl Widger","startTime":5379.24,"endTime":5382.96,"body":"families, and maybe you could"},{"speaker":"Carl Widger","startTime":5382.96,"endTime":5387.58,"body":"wrap up and sell off those other"},{"speaker":"Carl Widger","startTime":5382.96,"endTime":5387.58,"body":"clients at some stage. And"},{"speaker":"Carl Widger","startTime":5387.58,"endTime":5390.04,"body":"that's the kind of thing that we"},{"speaker":"Carl Widger","startTime":5387.58,"endTime":5390.04,"body":"did, and we did that in"},{"speaker":"Carl Widger","startTime":5390.04,"endTime":5393.04,"body":"tranches. We didn't do that in"},{"speaker":"Carl Widger","startTime":5390.04,"endTime":5393.04,"body":"one fell swoop. We did it in"},{"speaker":"Carl Widger","startTime":5393.04,"endTime":5396.84,"body":"tranches as we went. But, yeah,"},{"speaker":"Carl Widger","startTime":5393.04,"endTime":5396.84,"body":"I think you know, you're taking"},{"speaker":"Carl Widger","startTime":5396.84,"endTime":5399.42,"body":"over your dad's business. So you"},{"speaker":"Carl Widger","startTime":5396.84,"endTime":5399.42,"body":"got to be respectful of your"},{"speaker":"Carl Widger","startTime":5399.42,"endTime":5402.0599999999995,"body":"dad. You got to be respectful of"},{"speaker":"Carl Widger","startTime":5399.42,"endTime":5402.0599999999995,"body":"those clients that have been"},{"speaker":"Carl Widger","startTime":5402.0599999999995,"endTime":5405.96,"body":"with your dad for a long time."},{"speaker":"Carl Widger","startTime":5402.0599999999995,"endTime":5405.96,"body":"So I don't think you can, this"},{"speaker":"Carl Widger","startTime":5405.96,"endTime":5409.62,"body":"is a, this is a one and done it."},{"speaker":"Carl Widger","startTime":5405.96,"endTime":5409.62,"body":"I think your new company gives"},{"speaker":"Carl Widger","startTime":5409.62,"endTime":5412.62,"body":"you a lovely opportunity to do a"},{"speaker":"Carl Widger","startTime":5409.62,"endTime":5412.62,"body":"bit of marketing around the new"},{"speaker":"Carl Widger","startTime":5412.62,"endTime":5417.5,"body":"service. And, you know, we're"},{"speaker":"Carl Widger","startTime":5412.62,"endTime":5417.5,"body":"moving into a new age, and try"},{"speaker":"Carl Widger","startTime":5417.5,"endTime":5420.86,"body":"and, you know, digitize as much"},{"speaker":"Carl Widger","startTime":5417.5,"endTime":5420.86,"body":"of your service as possible, to"},{"speaker":"Carl Widger","startTime":5420.86,"endTime":5428.36,"body":"Andy's point, but look, it is"},{"speaker":"Carl Widger","startTime":5420.86,"endTime":5428.36,"body":"not easy. You're probably lucky"},{"speaker":"Carl Widger","startTime":5428.36,"endTime":5431.9,"body":"in that you have a lot of the"},{"speaker":"Carl Widger","startTime":5428.36,"endTime":5431.9,"body":"clients that will kind of pay"},{"speaker":"Carl Widger","startTime":5431.9,"endTime":5434.5999999999995,"body":"foot the bill for your"},{"speaker":"Carl Widger","startTime":5431.9,"endTime":5434.5999999999995,"body":"transition to your new service,"},{"speaker":"Carl Widger","startTime":5434.84,"endTime":5440.08,"body":"because that's going to take a"},{"speaker":"Carl Widger","startTime":5434.84,"endTime":5440.08,"body":"time, a while to build up. I"},{"speaker":"Carl Widger","startTime":5440.14,"endTime":5444.76,"body":"I've often said this. I nearly"},{"speaker":"Carl Widger","startTime":5440.14,"endTime":5444.76,"body":"bailed a couple of times along"},{"speaker":"Carl Widger","startTime":5444.76,"endTime":5448.12,"body":"the way. Stick with the plan. My"},{"speaker":"Carl Widger","startTime":5444.76,"endTime":5448.12,"body":"friend, just stick with it. It"},{"speaker":"Carl Widger","startTime":5448.12,"endTime":5450.94,"body":"will work. And even the fact"},{"speaker":"Carl Widger","startTime":5448.12,"endTime":5450.94,"body":"that you're asking the question,"},{"speaker":"Carl Widger","startTime":5451.0,"endTime":5451.5999999999995,"body":"you're willing to"},{"speaker":"Nick Lincoln","startTime":5451.599,"endTime":5453.2789999999995,"body":"learn, okay, I"},{"speaker":"Nick Lincoln","startTime":5451.599,"endTime":5453.2789999999995,"body":"think Carl has given a"},{"speaker":"Nick Lincoln","startTime":5453.2789999999995,"endTime":5456.539,"body":"magnificent answers, unless"},{"speaker":"Nick Lincoln","startTime":5453.2789999999995,"endTime":5456.539,"body":"you've got something different"},{"speaker":"Nick Lincoln","startTime":5456.539,"endTime":5460.199,"body":"to add, not just repeating what"},{"speaker":"Nick Lincoln","startTime":5456.539,"endTime":5460.199,"body":"he said, Can we move on?"},{"speaker":"Andy Hart","startTime":5460.5599999999995,"endTime":5462.42,"body":"Very briefly, I"},{"speaker":"Andy Hart","startTime":5460.5599999999995,"endTime":5462.42,"body":"can't. I can't believe still"},{"speaker":"Andy Hart","startTime":5462.42,"endTime":5464.88,"body":"running the sole trader with"},{"speaker":"Andy Hart","startTime":5462.42,"endTime":5464.88,"body":"that many clients, and he's got"},{"speaker":"Andy Hart","startTime":5464.88,"endTime":5466.44,"body":"a whole heap of pain ahead of"},{"speaker":"Andy Hart","startTime":5464.88,"endTime":5466.44,"body":"him, so good"},{"speaker":"Alan Smith","startTime":5467.939,"endTime":5471.539,"body":"luck to him. The key"},{"speaker":"Alan Smith","startTime":5467.939,"endTime":5471.539,"body":"thing is to reverse engineer"},{"speaker":"Alan Smith","startTime":5471.599,"endTime":5474.299,"body":"what your ideal business looks"},{"speaker":"Alan Smith","startTime":5471.599,"endTime":5474.299,"body":"like, and we're back from there."},{"speaker":"Alan Smith","startTime":5474.299,"endTime":5477.259,"body":"As you say, I want to deal with"},{"speaker":"Alan Smith","startTime":5474.299,"endTime":5477.259,"body":"the. X number of clients"},{"speaker":"Alan Smith","startTime":5477.259,"endTime":5480.259,"body":"delivering this service, because"},{"speaker":"Alan Smith","startTime":5477.259,"endTime":5480.259,"body":"you quickly arrive at the"},{"speaker":"Alan Smith","startTime":5480.259,"endTime":5483.019,"body":"minimum, the minimum"},{"speaker":"Alan Smith","startTime":5480.259,"endTime":5483.019,"body":"compensation fee level that I"},{"speaker":"Alan Smith","startTime":5483.019,"endTime":5485.599,"body":"need to have in order to deliver"},{"speaker":"Alan Smith","startTime":5483.019,"endTime":5485.599,"body":"this service, because it's going"},{"speaker":"Alan Smith","startTime":5485.599,"endTime":5488.959,"body":"to be more time consuming, more"},{"speaker":"Alan Smith","startTime":5485.599,"endTime":5488.959,"body":"more complex, etc, is x. And"},{"speaker":"Alan Smith","startTime":5488.959,"endTime":5491.599,"body":"then you've got to look at your"},{"speaker":"Alan Smith","startTime":5488.959,"endTime":5491.599,"body":"clients. You've got to look at"},{"speaker":"Alan Smith","startTime":5491.599,"endTime":5494.959,"body":"your this client base. And it is"},{"speaker":"Alan Smith","startTime":5491.599,"endTime":5494.959,"body":"tricky, as Carl says, because,"},{"speaker":"Alan Smith","startTime":5494.959,"endTime":5498.459,"body":"as your dad's business probably"},{"speaker":"Alan Smith","startTime":5494.959,"endTime":5498.459,"body":"been running it for decades, but"},{"speaker":"Alan Smith","startTime":5498.459,"endTime":5501.759,"body":"you've got to, you do have to"},{"speaker":"Alan Smith","startTime":5498.459,"endTime":5501.759,"body":"provide have a look through a"},{"speaker":"Alan Smith","startTime":5501.759,"endTime":5505.3589999999995,"body":"lens of the commercial aspect,"},{"speaker":"Alan Smith","startTime":5501.759,"endTime":5505.3589999999995,"body":"and say, of these 600 How many"},{"speaker":"Alan Smith","startTime":5505.3589999999995,"endTime":5508.539,"body":"would fit this model, and how"},{"speaker":"Alan Smith","startTime":5505.3589999999995,"endTime":5508.539,"body":"many could pay the fee relative"},{"speaker":"Alan Smith","startTime":5508.539,"endTime":5511.659,"body":"to the resources, assets, etc,"},{"speaker":"Alan Smith","startTime":5508.539,"endTime":5511.659,"body":"and you'll find it's quite a,"},{"speaker":"Alan Smith","startTime":5512.439,"endTime":5517.8589999999995,"body":"probably a relatively small"},{"speaker":"Alan Smith","startTime":5512.439,"endTime":5517.8589999999995,"body":"number. But yes, there is. And"},{"speaker":"Alan Smith","startTime":5517.8589999999995,"endTime":5520.499,"body":"having done it, like, like Carl"},{"speaker":"Alan Smith","startTime":5517.8589999999995,"endTime":5520.499,"body":"said, I've done it myself, is"},{"speaker":"Alan Smith","startTime":5520.499,"endTime":5522.599,"body":"quite emotional, actually,"},{"speaker":"Alan Smith","startTime":5520.499,"endTime":5522.599,"body":"because when we built our"},{"speaker":"Alan Smith","startTime":5522.599,"endTime":5525.539,"body":"service, we said, this is what's"},{"speaker":"Alan Smith","startTime":5522.599,"endTime":5525.539,"body":"on offer. Some of you will have"},{"speaker":"Alan Smith","startTime":5525.539,"endTime":5528.959,"body":"to pay a lot more for the fee."},{"speaker":"Alan Smith","startTime":5525.539,"endTime":5528.959,"body":"Quite a few said, don't want to,"},{"speaker":"Alan Smith","startTime":5529.439,"endTime":5533.759,"body":"so we had to park company. There"},{"speaker":"Alan Smith","startTime":5529.439,"endTime":5533.759,"body":"are a surprising number of firms"},{"speaker":"Alan Smith","startTime":5533.759,"endTime":5537.139,"body":"out there that will acquire"},{"speaker":"Alan Smith","startTime":5533.759,"endTime":5537.139,"body":"client banks. And then again,"},{"speaker":"Alan Smith","startTime":5537.139,"endTime":5537.739,"body":"this, this,"},{"speaker":"Carl Widger","startTime":5537.74,"endTime":5538.94,"body":"we've done it."},{"speaker":"Carl Widger","startTime":5537.74,"endTime":5538.94,"body":"Yeah,"},{"speaker":"Alan Smith","startTime":5539.0,"endTime":5540.98,"body":"well, we've both"},{"speaker":"Alan Smith","startTime":5539.0,"endTime":5540.98,"body":"done it, but, but what I had,"},{"speaker":"Alan Smith","startTime":5540.98,"endTime":5543.5,"body":"and I don't think you have had"},{"speaker":"Alan Smith","startTime":5540.98,"endTime":5543.5,"body":"either Carl, I didn't have the"},{"speaker":"Alan Smith","startTime":5543.5,"endTime":5547.5199999999995,"body":"additional kind of emotional"},{"speaker":"Alan Smith","startTime":5543.5,"endTime":5547.5199999999995,"body":"aspect of It's my dad's clients"},{"speaker":"Alan Smith","startTime":5547.5199999999995,"endTime":5550.4,"body":"and probably his mates and"},{"speaker":"Alan Smith","startTime":5547.5199999999995,"endTime":5550.4,"body":"people he plays golf with that"},{"speaker":"Alan Smith","startTime":5550.4,"endTime":5553.58,"body":"have been sold to another firm."},{"speaker":"Alan Smith","startTime":5550.4,"endTime":5553.58,"body":"But there are other firms who"},{"speaker":"Alan Smith","startTime":5553.58,"endTime":5556.66,"body":"are better suited to service"},{"speaker":"Alan Smith","startTime":5553.58,"endTime":5556.66,"body":"those more transactional type"},{"speaker":"Alan Smith","startTime":5556.66,"endTime":5558.94,"body":"clients, and that's we found"},{"speaker":"Alan Smith","startTime":5556.66,"endTime":5558.94,"body":"one, and they were great, and"},{"speaker":"Alan Smith","startTime":5558.94,"endTime":5561.04,"body":"they would send people around"},{"speaker":"Alan Smith","startTime":5558.94,"endTime":5561.04,"body":"the people's houses, and they"},{"speaker":"Alan Smith","startTime":5561.04,"endTime":5563.68,"body":"had a different sort of model,"},{"speaker":"Alan Smith","startTime":5561.04,"endTime":5563.68,"body":"but"},{"speaker":"Andy Hart","startTime":5565.24,"endTime":5566.98,"body":"good. I think, I"},{"speaker":"Andy Hart","startTime":5565.24,"endTime":5566.98,"body":"think, I think we've covered"},{"speaker":"Nick Lincoln","startTime":5566.98,"endTime":5570.94,"body":"luck. Okay, good"},{"speaker":"Nick Lincoln","startTime":5566.98,"endTime":5570.94,"body":"luck. Tomo, good luck. Mr. Oaks,"},{"speaker":"Nick Lincoln","startTime":5571.12,"endTime":5575.38,"body":"okay, right. 91 minutes and"},{"speaker":"Nick Lincoln","startTime":5571.12,"endTime":5575.38,"body":"counting in let's go on to what"},{"speaker":"Nick Lincoln","startTime":5575.38,"endTime":5576.82,"body":"many people call culture corner."},{"speaker":"Nick Lincoln","startTime":5575.38,"endTime":5576.82,"body":"I"},{"speaker":"Carl Widger","startTime":5576.82,"endTime":5585.96,"body":"am I first? It"},{"speaker":"Carl Widger","startTime":5576.82,"endTime":5585.96,"body":"ain't me. I was laughing"},{"speaker":"Alan Smith","startTime":5589.2,"endTime":5591.5999999999995,"body":"This. This is a"},{"speaker":"Alan Smith","startTime":5589.2,"endTime":5591.5999999999995,"body":"little bit of a blast from the"},{"speaker":"Alan Smith","startTime":5591.5999999999995,"endTime":5594.48,"body":"past, but there's a reason"},{"speaker":"Alan Smith","startTime":5591.5999999999995,"endTime":5594.48,"body":"linking all this stuff together,"},{"speaker":"Alan Smith","startTime":5594.48,"endTime":5597.62,"body":"we don't just make it up as we"},{"speaker":"Alan Smith","startTime":5594.48,"endTime":5597.62,"body":"go along, do you boys? When I"},{"speaker":"Alan Smith","startTime":5597.62,"endTime":5602.12,"body":"was at plan X conference, one of"},{"speaker":"Alan Smith","startTime":5597.62,"endTime":5602.12,"body":"the many people who I had a"},{"speaker":"Alan Smith","startTime":5602.12,"endTime":5606.32,"body":"conversation with was a young"},{"speaker":"Alan Smith","startTime":5602.12,"endTime":5606.32,"body":"fellow by the name of respect"},{"speaker":"Alan Smith","startTime":5606.32,"endTime":5608.78,"body":"song, because bloody business"},{"speaker":"Alan Smith","startTime":5606.32,"endTime":5608.78,"body":"card. He needs to make his"},{"speaker":"Alan Smith","startTime":5608.78,"endTime":5613.4,"body":"business card bigger. Simon"},{"speaker":"Alan Smith","startTime":5608.78,"endTime":5613.4,"body":"Warner, Simon Warne, who is a"},{"speaker":"Alan Smith","startTime":5613.4,"endTime":5616.16,"body":"financial planner at a firm"},{"speaker":"Alan Smith","startTime":5613.4,"endTime":5616.16,"body":"called New World, New World"},{"speaker":"Alan Smith","startTime":5616.16,"endTime":5620.62,"body":"Financial Group, World Financial"},{"speaker":"Alan Smith","startTime":5616.16,"endTime":5620.62,"body":"Group, and Simon came up to me"},{"speaker":"Alan Smith","startTime":5620.62,"endTime":5624.16,"body":"and said, like to pick your"},{"speaker":"Alan Smith","startTime":5620.62,"endTime":5624.16,"body":"brains, but don't mind. I've got"},{"speaker":"Alan Smith","startTime":5624.16,"endTime":5628.48,"body":"a number of clients who are"},{"speaker":"Alan Smith","startTime":5624.16,"endTime":5628.48,"body":"going into retirement now, which"},{"speaker":"Alan Smith","startTime":5628.48,"endTime":5632.0199999999995,"body":"I guess all advisors do. I'd"},{"speaker":"Alan Smith","startTime":5628.48,"endTime":5632.0199999999995,"body":"like to give them a book. I'd"},{"speaker":"Alan Smith","startTime":5632.0199999999995,"endTime":5634.5999999999995,"body":"like to what book would you"},{"speaker":"Alan Smith","startTime":5632.0199999999995,"endTime":5634.5999999999995,"body":"recommend clients going to going"},{"speaker":"Alan Smith","startTime":5634.5999999999995,"endTime":5637.08,"body":"into retirement that would find"},{"speaker":"Alan Smith","startTime":5634.5999999999995,"endTime":5637.08,"body":"useful. And now we have talked"},{"speaker":"Alan Smith","startTime":5637.08,"endTime":5640.08,"body":"probably quite a lot about other"},{"speaker":"Alan Smith","startTime":5637.08,"endTime":5640.08,"body":"books on this podcast before."},{"speaker":"Alan Smith","startTime":5640.08,"endTime":5643.74,"body":"There's quite a lot of them out"},{"speaker":"Alan Smith","startTime":5640.08,"endTime":5643.74,"body":"there. I reflected on the book"},{"speaker":"Alan Smith","startTime":5643.74,"endTime":5647.76,"body":"that I've the one that I've read"},{"speaker":"Alan Smith","startTime":5643.74,"endTime":5647.76,"body":"and got good feedback from"},{"speaker":"Alan Smith","startTime":5647.76,"endTime":5652.8,"body":"clients, and it is called the"},{"speaker":"Alan Smith","startTime":5647.76,"endTime":5652.8,"body":"new retirementality. New"},{"speaker":"Alan Smith","startTime":5652.8,"endTime":5658.46,"body":"retirementality by a guy called"},{"speaker":"Alan Smith","startTime":5652.8,"endTime":5658.46,"body":"Mitch Anthony. And I mean, we"},{"speaker":"Alan Smith","startTime":5658.46,"endTime":5660.98,"body":"all know him. I think we've met"},{"speaker":"Alan Smith","startTime":5658.46,"endTime":5660.98,"body":"him and Carl, I think you've"},{"speaker":"Alan Smith","startTime":5661.0999999999995,"endTime":5662.66,"body":"engaged with Mitch in some"},{"speaker":"Alan Smith","startTime":5661.0999999999995,"endTime":5662.66,"body":"level."},{"speaker":"Carl Widger","startTime":5663.14,"endTime":5666.0199999999995,"body":"Yeah, I did, yeah,"},{"speaker":"Carl Widger","startTime":5663.14,"endTime":5666.0199999999995,"body":"paid him hefty fees to speak at"},{"speaker":"Carl Widger","startTime":5666.0199999999995,"endTime":5666.5599999999995,"body":"an event in"},{"speaker":"Unknown","startTime":5666.559,"endTime":5670.339,"body":"Dublin, yeah. But"},{"speaker":"Unknown","startTime":5666.559,"endTime":5670.339,"body":"that's just, that's my culture"},{"speaker":"Unknown","startTime":5670.339,"endTime":5673.039,"body":"corner. If you've got clients"},{"speaker":"Unknown","startTime":5670.339,"endTime":5673.039,"body":"going to retirement, that is not"},{"speaker":"Unknown","startTime":5673.039,"endTime":5675.499,"body":"a bad book to hand to them,"},{"speaker":"Unknown","startTime":5673.039,"endTime":5675.499,"body":"because it does cover all the"},{"speaker":"Unknown","startTime":5675.499,"endTime":5678.699,"body":"kind of mental health, physical"},{"speaker":"Unknown","startTime":5675.499,"endTime":5678.699,"body":"health, financial health,"},{"speaker":"Unknown","startTime":5678.699,"endTime":5679.599,"body":"aspects, which is"},{"speaker":"Carl Widger","startTime":5679.599,"endTime":5682.899,"body":"brilliant. He's the"},{"speaker":"Carl Widger","startTime":5679.599,"endTime":5682.899,"body":"greatest calls ever that applies"},{"speaker":"Carl Widger","startTime":5682.899,"endTime":5686.8589999999995,"body":"to our business, that our job as"},{"speaker":"Carl Widger","startTime":5682.899,"endTime":5686.8589999999995,"body":"financial planners is to hold"},{"speaker":"Carl Widger","startTime":5686.919,"endTime":5692.139,"body":"our clients feet to the fire of"},{"speaker":"Carl Widger","startTime":5686.919,"endTime":5692.139,"body":"their best intentions. Yeah, he"},{"speaker":"Nick Lincoln","startTime":5692.14,"endTime":5693.88,"body":"does have a way"},{"speaker":"Nick Lincoln","startTime":5692.14,"endTime":5693.88,"body":"with words. Another phrase to"},{"speaker":"Nick Lincoln","startTime":5693.88,"endTime":5696.22,"body":"stop with me is it's not, not"},{"speaker":"Nick Lincoln","startTime":5693.88,"endTime":5696.22,"body":"what you're telling from what"},{"speaker":"Nick Lincoln","startTime":5696.22,"endTime":5697.68,"body":"are you retiring too. Yeah."},{"speaker":"Alan Smith","startTime":5697.68,"endTime":5701.7,"body":"And another one he's"},{"speaker":"Alan Smith","startTime":5697.68,"endTime":5701.7,"body":"got is, top 10 is, is, yeah, is"},{"speaker":"Alan Smith","startTime":5701.7,"endTime":5702.9,"body":"continued"},{"speaker":"Andy Hart","startTime":5703.199,"endTime":5704.879,"body":"retirement well"},{"speaker":"Alan Smith","startTime":5705.66,"endTime":5707.82,"body":"enough money to"},{"speaker":"Alan Smith","startTime":5705.66,"endTime":5707.82,"body":"sleep well at night and enough"},{"speaker":"Alan Smith","startTime":5707.82,"endTime":5709.5599999999995,"body":"purpose to get out of bed in the"},{"speaker":"Alan Smith","startTime":5707.82,"endTime":5709.5599999999995,"body":"morning."},{"speaker":"Carl Widger","startTime":5709.62,"endTime":5712.32,"body":"Yeah, if you want a"},{"speaker":"Carl Widger","startTime":5709.62,"endTime":5712.32,"body":"guy to talk to a bunch of"},{"speaker":"Carl Widger","startTime":5712.32,"endTime":5716.5199999999995,"body":"clients who are about to say, in"},{"speaker":"Carl Widger","startTime":5712.32,"endTime":5716.5199999999995,"body":"five years out from retirement,"},{"speaker":"Carl Widger","startTime":5716.5199999999995,"endTime":5722.78,"body":"right? Is it? He is expensive,"},{"speaker":"Carl Widger","startTime":5716.5199999999995,"endTime":5722.78,"body":"but my God, he was amazing."},{"speaker":"Carl Widger","startTime":5722.9,"endTime":5726.2,"body":"Yeah, absolute. I've never seen"},{"speaker":"Carl Widger","startTime":5722.9,"endTime":5726.2,"body":"a guy to have a crowd in his"},{"speaker":"Carl Widger","startTime":5726.2,"endTime":5729.92,"body":"hands the way he did. He's a"},{"speaker":"Carl Widger","startTime":5726.2,"endTime":5729.92,"body":"great talk. He made me look like"},{"speaker":"Carl Widger","startTime":5729.98,"endTime":5733.0999999999995,"body":"the total amateur that I am. He"},{"speaker":"Carl Widger","startTime":5729.98,"endTime":5733.0999999999995,"body":"was amazing, amazing. Great"},{"speaker":"Carl Widger","startTime":5733.0999999999995,"endTime":5734.12,"body":"stuff. Very good. I've got two"},{"speaker":"Nick Lincoln","startTime":5734.12,"endTime":5736.04,"body":"culture corners"},{"speaker":"Nick Lincoln","startTime":5734.12,"endTime":5736.04,"body":"this week because I didn't have"},{"speaker":"Nick Lincoln","startTime":5736.04,"endTime":5738.76,"body":"any for the last episode. So"},{"speaker":"Nick Lincoln","startTime":5736.04,"endTime":5738.76,"body":"Yahoo sucks to you. The first"},{"speaker":"Nick Lincoln","startTime":5738.76,"endTime":5741.22,"body":"one is a book. And full"},{"speaker":"Nick Lincoln","startTime":5738.76,"endTime":5741.22,"body":"disclosure, I was given a free"},{"speaker":"Nick Lincoln","startTime":5741.22,"endTime":5743.5,"body":"copy of this book because I"},{"speaker":"Nick Lincoln","startTime":5741.22,"endTime":5743.5,"body":"bought from this brand before,"},{"speaker":"Nick Lincoln","startTime":5743.5,"endTime":5745.9,"body":"and they sent me a PDF to read"},{"speaker":"Nick Lincoln","startTime":5743.5,"endTime":5745.9,"body":"and then place a review on"},{"speaker":"Nick Lincoln","startTime":5745.9,"endTime":5748.42,"body":"Amazon. But it is a very good"},{"speaker":"Nick Lincoln","startTime":5745.9,"endTime":5748.42,"body":"book. It's called putting it"},{"speaker":"Nick Lincoln","startTime":5748.42,"endTime":5750.7,"body":"through the company. There's a"},{"speaker":"Nick Lincoln","startTime":5748.42,"endTime":5750.7,"body":"link to it. It's from the tax"},{"speaker":"Nick Lincoln","startTime":5750.7,"endTime":5753.82,"body":"Cafe stable. And putting it"},{"speaker":"Nick Lincoln","startTime":5750.7,"endTime":5753.82,"body":"through the company is about all"},{"speaker":"Nick Lincoln","startTime":5753.82,"endTime":5756.34,"body":"the things that you can run"},{"speaker":"Nick Lincoln","startTime":5753.82,"endTime":5756.34,"body":"through a limited company, and"},{"speaker":"Nick Lincoln","startTime":5756.34,"endTime":5758.88,"body":"it covers it all in a very"},{"speaker":"Nick Lincoln","startTime":5756.34,"endTime":5758.88,"body":"readable fashion. It's quite a"},{"speaker":"Nick Lincoln","startTime":5758.88,"endTime":5762.12,"body":"sure book. Obviously, there is"},{"speaker":"Nick Lincoln","startTime":5758.88,"endTime":5762.12,"body":"some arcane accountancy stuff in"},{"speaker":"Nick Lincoln","startTime":5762.12,"endTime":5764.46,"body":"there, because you can't avoid"},{"speaker":"Nick Lincoln","startTime":5762.12,"endTime":5764.46,"body":"not discussing that, looking at"},{"speaker":"Nick Lincoln","startTime":5764.46,"endTime":5766.86,"body":"numbers and so forth. But it's a"},{"speaker":"Nick Lincoln","startTime":5764.46,"endTime":5766.86,"body":"book to have if you've got"},{"speaker":"Nick Lincoln","startTime":5766.86,"endTime":5769.5599999999995,"body":"limited company. Obviously, as"},{"speaker":"Nick Lincoln","startTime":5766.86,"endTime":5769.5599999999995,"body":"we talked about the start of the"},{"speaker":"Nick Lincoln","startTime":5769.5599999999995,"endTime":5771.78,"body":"show, with the wealth tax and"},{"speaker":"Nick Lincoln","startTime":5769.5599999999995,"endTime":5771.78,"body":"the fact that we're just"},{"speaker":"Nick Lincoln","startTime":5771.78,"endTime":5774.0,"body":"getting, you know, you break"},{"speaker":"Nick Lincoln","startTime":5771.78,"endTime":5774.0,"body":"wind now, and you get a tax bill"},{"speaker":"Nick Lincoln","startTime":5774.0,"endTime":5776.36,"body":"coming through the post the next"},{"speaker":"Nick Lincoln","startTime":5774.0,"endTime":5776.36,"body":"day, putting it. Through the"},{"speaker":"Nick Lincoln","startTime":5776.36,"endTime":5778.58,"body":"company. Really good book. I"},{"speaker":"Nick Lincoln","startTime":5776.36,"endTime":5778.58,"body":"mean, you haven't got a bother"},{"speaker":"Nick Lincoln","startTime":5778.58,"endTime":5781.04,"body":"accountant with with endless"},{"speaker":"Nick Lincoln","startTime":5778.58,"endTime":5781.04,"body":"questions, you can just pick"},{"speaker":"Nick Lincoln","startTime":5781.04,"endTime":5783.5599999999995,"body":"this book up and find, oh, yeah,"},{"speaker":"Nick Lincoln","startTime":5781.04,"endTime":5783.5599999999995,"body":"if I have a company car, that's"},{"speaker":"Nick Lincoln","startTime":5783.5599999999995,"endTime":5785.96,"body":"a plus. I talked about pension"},{"speaker":"Nick Lincoln","startTime":5783.5599999999995,"endTime":5785.96,"body":"contributions, which is"},{"speaker":"Nick Lincoln","startTime":5785.96,"endTime":5788.42,"body":"obviously a good thing for Joe"},{"speaker":"Nick Lincoln","startTime":5785.96,"endTime":5788.42,"body":"Public as well to know about."},{"speaker":"Nick Lincoln","startTime":5788.5999999999995,"endTime":5791.12,"body":"But a really nice book aimed at"},{"speaker":"Nick Lincoln","startTime":5788.5999999999995,"endTime":5791.12,"body":"limited company business,"},{"speaker":"Alan Smith","startTime":5791.12,"endTime":5794.12,"body":"small business"},{"speaker":"Alan Smith","startTime":5791.12,"endTime":5794.12,"body":"owners, trips to Portugal"},{"speaker":"Alan Smith","startTime":5794.48,"endTime":5795.2,"body":"through it. Well, it"},{"speaker":"Nick Lincoln","startTime":5795.2,"endTime":5796.9,"body":"does talk,"},{"speaker":"Nick Lincoln","startTime":5795.2,"endTime":5796.9,"body":"actually, it does talk about"},{"speaker":"Nick Lincoln","startTime":5796.9,"endTime":5802.84,"body":"that. And yeah, we might just"},{"speaker":"Nick Lincoln","startTime":5796.9,"endTime":5802.84,"body":"struggle anyway. We come back"},{"speaker":"Nick Lincoln","startTime":5802.84,"endTime":5807.16,"body":"alive. We have a file some"},{"speaker":"Nick Lincoln","startTime":5802.84,"endTime":5807.16,"body":"accounts for bloody accounts."},{"speaker":"Nick Lincoln","startTime":5808.5999999999995,"endTime":5811.36,"body":"And our second one is very"},{"speaker":"Nick Lincoln","startTime":5808.5999999999995,"endTime":5811.36,"body":"quickly, Jordan Peterson and had"},{"speaker":"Nick Lincoln","startTime":5811.36,"endTime":5814.0,"body":"Scott Adams on his show. Scott"},{"speaker":"Nick Lincoln","startTime":5811.36,"endTime":5814.0,"body":"Adams, the creator, Gilbert,"},{"speaker":"Nick Lincoln","startTime":5814.18,"endTime":5816.96,"body":"written some really good books"},{"speaker":"Nick Lincoln","startTime":5814.18,"endTime":5816.96,"body":"as well. He's got, he's got"},{"speaker":"Nick Lincoln","startTime":5817.14,"endTime":5821.22,"body":"terminal prostate cancer. He's"},{"speaker":"Nick Lincoln","startTime":5817.14,"endTime":5821.22,"body":"not in a good way, but, but he,"},{"speaker":"Nick Lincoln","startTime":5821.4,"endTime":5825.0599999999995,"body":"he's, he's very positive. He's"},{"speaker":"Nick Lincoln","startTime":5821.4,"endTime":5825.0599999999995,"body":"very light hearted, as we know,"},{"speaker":"Nick Lincoln","startTime":5825.0599999999995,"endTime":5828.3,"body":"Jordan Peterson can be a little"},{"speaker":"Nick Lincoln","startTime":5825.0599999999995,"endTime":5828.3,"body":"bit intense. And he was, he was,"},{"speaker":"Nick Lincoln","startTime":5828.3,"endTime":5831.66,"body":"he took on Scott's persona. Is a"},{"speaker":"Nick Lincoln","startTime":5828.3,"endTime":5831.66,"body":"really, really good interview."},{"speaker":"Nick Lincoln","startTime":5831.84,"endTime":5834.5999999999995,"body":"Scott Adams is taking what he"},{"speaker":"Nick Lincoln","startTime":5831.84,"endTime":5834.5999999999995,"body":"called, what they call, a"},{"speaker":"Nick Lincoln","startTime":5834.5999999999995,"endTime":5838.4,"body":"castration drug, which basically"},{"speaker":"Nick Lincoln","startTime":5834.5999999999995,"endTime":5838.4,"body":"gets rid of the testosterone in"},{"speaker":"Nick Lincoln","startTime":5838.4,"endTime":5841.88,"body":"the body, because prostate"},{"speaker":"Nick Lincoln","startTime":5838.4,"endTime":5841.88,"body":"cancer feeds off testosterone,"},{"speaker":"Nick Lincoln","startTime":5841.88,"endTime":5845.0,"body":"so and this is giving him, like,"},{"speaker":"Nick Lincoln","startTime":5841.88,"endTime":5845.0,"body":"an extra few months of life. And"},{"speaker":"Nick Lincoln","startTime":5845.0,"endTime":5847.5199999999995,"body":"he say, positive. He thinks,"},{"speaker":"Nick Lincoln","startTime":5845.0,"endTime":5847.5199999999995,"body":"with his extra few months of"},{"speaker":"Nick Lincoln","startTime":5847.5199999999995,"endTime":5850.28,"body":"life, he says, I think AI will"},{"speaker":"Nick Lincoln","startTime":5847.5199999999995,"endTime":5850.28,"body":"find a cure for prostate cancer."},{"speaker":"Nick Lincoln","startTime":5850.28,"endTime":5852.8,"body":"Now he's obviously reaching,"},{"speaker":"Nick Lincoln","startTime":5850.28,"endTime":5852.8,"body":"reaching with that one, but it's"},{"speaker":"Nick Lincoln","startTime":5852.8,"endTime":5855.86,"body":"just an amazingly positive"},{"speaker":"Nick Lincoln","startTime":5852.8,"endTime":5855.86,"body":"interview, and I would"},{"speaker":"Nick Lincoln","startTime":5855.86,"endTime":5858.4,"body":"thoroughly recommend you give"},{"speaker":"Nick Lincoln","startTime":5855.86,"endTime":5858.4,"body":"that some time from a man who's"},{"speaker":"Nick Lincoln","startTime":5858.4,"endTime":5861.34,"body":"looking at life with a very,"},{"speaker":"Nick Lincoln","startTime":5858.4,"endTime":5861.34,"body":"very short perspective and still"},{"speaker":"Nick Lincoln","startTime":5861.34,"endTime":5865.0,"body":"retaining an incredible matter"},{"speaker":"Nick Lincoln","startTime":5861.34,"endTime":5865.0,"body":"of positivity. Very good."},{"speaker":"Carl Widger","startTime":5868.599,"endTime":5871.599,"body":"Dr, Mark row,"},{"speaker":"Carl Widger","startTime":5868.599,"endTime":5871.599,"body":"things your future says, I"},{"speaker":"Carl Widger","startTime":5873.219,"endTime":5876.639,"body":"thought it was last you get no"},{"speaker":"Carl Widger","startTime":5873.219,"endTime":5876.639,"body":"help. So you know, you changed"},{"speaker":"Carl Widger","startTime":5876.639,"endTime":5882.179,"body":"the agenda. Dr Mark Rowe, things"},{"speaker":"Carl Widger","startTime":5876.639,"endTime":5882.179,"body":"your future self will thank you"},{"speaker":"Carl Widger","startTime":5882.179,"endTime":5888.479,"body":"for. It's a little bit like, I"},{"speaker":"Carl Widger","startTime":5882.179,"endTime":5888.479,"body":"don't know, it's a kind maybe,"},{"speaker":"Carl Widger","startTime":5888.479,"endTime":5890.939,"body":"along the same vein as atomic"},{"speaker":"Carl Widger","startTime":5888.479,"endTime":5890.939,"body":"habits, which I've spoken about"},{"speaker":"Carl Widger","startTime":5890.939,"endTime":5894.059,"body":"before. But this is about stuff"},{"speaker":"Carl Widger","startTime":5890.939,"endTime":5894.059,"body":"to do for yourself in terms of"},{"speaker":"Carl Widger","startTime":5894.059,"endTime":5897.8589999999995,"body":"your your health and your"},{"speaker":"Carl Widger","startTime":5894.059,"endTime":5897.8589999999995,"body":"general well being it's a really"},{"speaker":"Carl Widger","startTime":5897.8589999999995,"endTime":5902.239,"body":"easy read. It's tons and tons of"},{"speaker":"Carl Widger","startTime":5897.8589999999995,"endTime":5902.239,"body":"common sense brought together in"},{"speaker":"Carl Widger","startTime":5902.299,"endTime":5907.939,"body":"one book. I needed to read it"},{"speaker":"Carl Widger","startTime":5902.299,"endTime":5907.939,"body":"after my my excursions away on"},{"speaker":"Carl Widger","startTime":5907.939,"endTime":5908.539,"body":"holidays and"},{"speaker":"Andy Hart","startTime":5908.54,"endTime":5910.22,"body":"stuff that's gonna"},{"speaker":"Andy Hart","startTime":5908.54,"endTime":5910.22,"body":"say, Did you read that while"},{"speaker":"Andy Hart","startTime":5910.22,"endTime":5911.0599999999995,"body":"you're on holiday? Yeah, I"},{"speaker":"Carl Widger","startTime":5911.059,"endTime":5914.599,"body":"read 84 pages on"},{"speaker":"Carl Widger","startTime":5911.059,"endTime":5914.599,"body":"the plane and the way out. Okay,"},{"speaker":"Carl Widger","startTime":5916.099,"endTime":5920.679,"body":"I better get back to this. So"},{"speaker":"Carl Widger","startTime":5916.099,"endTime":5920.679,"body":"back to this. But it's really"},{"speaker":"Carl Widger","startTime":5920.679,"endTime":5925.059,"body":"good, easy read, really well"},{"speaker":"Carl Widger","startTime":5920.679,"endTime":5925.059,"body":"written and just kind of broken"},{"speaker":"Carl Widger","startTime":5925.059,"endTime":5928.7789999999995,"body":"down into small, bite sized"},{"speaker":"Carl Widger","startTime":5925.059,"endTime":5928.7789999999995,"body":"chapters. Really, really good"},{"speaker":"Carl Widger","startTime":5928.7789999999995,"endTime":5930.339,"body":"stuff. Dr Mark Rowe,"},{"speaker":"Nick Lincoln","startTime":5930.519,"endTime":5933.519,"body":"okay. Section,"},{"speaker":"Nick Lincoln","startTime":5930.519,"endTime":5933.519,"body":"thanks. My wishes. Okay, I can't"},{"speaker":"Nick Lincoln","startTime":5933.519,"endTime":5935.3189999999995,"body":"see anything be on the agenda."},{"speaker":"Nick Lincoln","startTime":5933.519,"endTime":5935.3189999999995,"body":"Ultra"},{"speaker":"Andy Hart","startTime":5935.74,"endTime":5938.94,"body":"doesn't mean for me"},{"speaker":"Andy Hart","startTime":5935.74,"endTime":5938.94,"body":"today. What? That's why. Okay,"},{"speaker":"Andy Hart","startTime":5938.94,"endTime":5939.5999999999995,"body":"he's waiting for"},{"speaker":"Nick Lincoln","startTime":5939.599,"endTime":5941.579,"body":"it. Okay, okay,"},{"speaker":"Nick Lincoln","startTime":5939.599,"endTime":5941.579,"body":"that's why. That's why. Once"},{"speaker":"Nick Lincoln","startTime":5941.579,"endTime":5942.3589999999995,"body":"again, you"},{"speaker":"Alan Smith","startTime":5942.54,"endTime":5944.46,"body":"just mentioned a"},{"speaker":"Alan Smith","startTime":5942.54,"endTime":5944.46,"body":"book that you haven't read yet,"},{"speaker":"Alan Smith","startTime":5944.46,"endTime":5945.18,"body":"that you normally"},{"speaker":"Carl Widger","startTime":5945.66,"endTime":5946.98,"body":"do IKEA or"},{"speaker":"Carl Widger","startTime":5945.66,"endTime":5946.98,"body":"something like that."},{"speaker":"Andy Hart","startTime":5947.459,"endTime":5951.059,"body":"Yeah, I didn't want"},{"speaker":"Andy Hart","startTime":5947.459,"endTime":5951.059,"body":"to bring the standard"},{"speaker":"Carl Widger","startTime":5951.899,"endTime":5953.339,"body":"I actually looked"},{"speaker":"Carl Widger","startTime":5951.899,"endTime":5953.339,"body":"you at some Yeah."},{"speaker":"Andy Hart","startTime":5956.519,"endTime":5959.839,"body":"Okay, goodbye,"},{"speaker":"Andy Hart","startTime":5956.519,"endTime":5959.839,"body":"everybody. Good luck the lions."},{"speaker":"Andy Hart","startTime":5959.839,"endTime":5962.7789999999995,"body":"Good luck the lions. The British"},{"speaker":"Andy Hart","startTime":5959.839,"endTime":5962.7789999999995,"body":"and Irish lines, mostly"},{"speaker":"Carl Widger","startTime":5962.78,"endTime":5963.5599999999995,"body":"Irish lines,"},{"speaker":"Nick Lincoln","startTime":5963.559,"endTime":5966.8589999999995,"body":"yeah. 98 minutes,"},{"speaker":"Nick Lincoln","startTime":5963.559,"endTime":5966.8589999999995,"body":"Scotland. Let's draw a close to"},{"speaker":"Nick Lincoln","startTime":5966.8589999999995,"endTime":5970.399,"body":"Episode 75 of the real advisor"},{"speaker":"Nick Lincoln","startTime":5966.8589999999995,"endTime":5970.399,"body":"podcast. Thank you, dear"},{"speaker":"Nick Lincoln","startTime":5970.399,"endTime":5973.219,"body":"Trappists, for your time. We do"},{"speaker":"Nick Lincoln","startTime":5970.399,"endTime":5973.219,"body":"appreciate it. Please do leave a"},{"speaker":"Nick Lincoln","startTime":5973.219,"endTime":5976.659,"body":"review on iTunes, and if you can"},{"speaker":"Nick Lincoln","startTime":5973.219,"endTime":5976.659,"body":"on certain other podcast apps"},{"speaker":"Nick Lincoln","startTime":5976.659,"endTime":5978.999,"body":"now you can leave reviews as"},{"speaker":"Nick Lincoln","startTime":5976.659,"endTime":5978.999,"body":"well. Thank you for your"},{"speaker":"Nick Lincoln","startTime":5978.999,"endTime":5982.539,"body":"precious time and input to the"},{"speaker":"Nick Lincoln","startTime":5978.999,"endTime":5982.539,"body":"show. It's adios from us, take"},{"speaker":"Nick Lincoln","startTime":5982.539,"endTime":5985.299,"body":"care out there. England need one"},{"speaker":"Nick Lincoln","startTime":5982.539,"endTime":5985.299,"body":"more wicket to win. India need"},{"speaker":"Nick Lincoln","startTime":5985.299,"endTime":5988.3589999999995,"body":"43 ones to win. So it's"},{"speaker":"Nick Lincoln","startTime":5985.299,"endTime":5988.3589999999995,"body":"embarrassing towards England,"},{"speaker":"Nick Lincoln","startTime":5988.3589999999995,"endTime":5991.299,"body":"but from the Track Pack, adios,"},{"speaker":"Nick Lincoln","startTime":5988.3589999999995,"endTime":5991.299,"body":"take care out there, and we will"},{"speaker":"Nick Lincoln","startTime":5991.299,"endTime":5993.099,"body":"see you on the other side."},{"speaker":"Nick Lincoln","startTime":5991.299,"endTime":5993.099,"body":"Goodbye."},{"speaker":"Unknown","startTime":5993.519,"endTime":5996.179,"body":"Bye bye, bye bye. Oh,"},{"speaker":"Alan Smith","startTime":6002.84,"endTime":6006.68,"body":"that wasn't bad. It"},{"speaker":"Alan Smith","startTime":6002.84,"endTime":6006.68,"body":"was good. It's about an hour and"},{"speaker":"Alan Smith","startTime":6006.68,"endTime":6006.74,"body":"a"},{"speaker":"Nick Lincoln","startTime":6006.74,"endTime":6010.0999999999995,"body":"half, right? No,"},{"speaker":"Nick Lincoln","startTime":6006.74,"endTime":6010.0999999999995,"body":"an hour 40"},{"speaker":"Alan Smith","startTime":6010.58,"endTime":6012.74,"body":"All right, spent 10"},{"speaker":"Alan Smith","startTime":6010.58,"endTime":6012.74,"body":"minutes longer than normal,"},{"speaker":"Alan Smith","startTime":6013.7,"endTime":6014.0599999999995,"body":"okay,"},{"speaker":"Nick Lincoln","startTime":6014.12,"endTime":6016.36,"body":"it was decent."},{"speaker":"Nick Lincoln","startTime":6014.12,"endTime":6016.36,"body":"Yeah, it's good. Thank you."},{"speaker":"Alan Smith","startTime":6017.559,"endTime":6020.919,"body":"Okay, got a title. I"},{"speaker":"Alan Smith","startTime":6017.559,"endTime":6020.919,"body":"just got that boring world class"},{"speaker":"Alan Smith","startTime":6020.919,"endTime":6021.2789999999995,"body":"client"},{"speaker":"Andy Hart","startTime":6021.34,"endTime":6022.78,"body":"experience. Oh, is"},{"speaker":"Andy Hart","startTime":6021.34,"endTime":6022.78,"body":"that a rumor?"},{"speaker":"Nick Lincoln","startTime":6023.32,"endTime":6023.98,"body":"What's that?"},{"speaker":"Unknown","startTime":6025.36,"endTime":6028.24,"body":"No, you haven't."}]}