{"version":"1.0.0","segments":[{"speaker":"SPEAKER_00","startTime":26.3,"endTime":26.7,"body":"Welcome"},{"speaker":"SPEAKER_00","startTime":26.7,"endTime":26.86,"body":"back"},{"speaker":"SPEAKER_00","startTime":26.86,"endTime":27.1,"body":"to"},{"speaker":"SPEAKER_00","startTime":27.1,"endTime":27.66,"body":"Risky"},{"speaker":"SPEAKER_00","startTime":27.66,"endTime":28.060000000000002,"body":"Business."},{"speaker":"SPEAKER_00","startTime":28.14,"endTime":28.3,"body":"This"},{"speaker":"SPEAKER_00","startTime":28.3,"endTime":28.46,"body":"is"},{"speaker":"SPEAKER_00","startTime":28.46,"endTime":28.94,"body":"Jessica"},{"speaker":"SPEAKER_00","startTime":28.94,"endTime":29.740000000000002,"body":"Vierreal,"},{"speaker":"SPEAKER_00","startTime":29.82,"endTime":29.98,"body":"and"},{"speaker":"SPEAKER_00","startTime":29.98,"endTime":30.380000000000003,"body":"today"},{"speaker":"SPEAKER_00","startTime":30.380000000000003,"endTime":30.54,"body":"is"},{"speaker":"SPEAKER_00","startTime":30.54,"endTime":30.86,"body":"a"},{"speaker":"SPEAKER_00","startTime":30.86,"endTime":31.34,"body":"special"},{"speaker":"SPEAKER_00","startTime":31.34,"endTime":32.3,"body":"episode."},{"speaker":"SPEAKER_00","startTime":34.46,"endTime":34.94,"body":"Welcome"},{"speaker":"SPEAKER_00","startTime":34.94,"endTime":35.1,"body":"to"},{"speaker":"SPEAKER_00","startTime":35.1,"endTime":35.34,"body":"what"},{"speaker":"SPEAKER_00","startTime":35.34,"endTime":35.5,"body":"is"},{"speaker":"SPEAKER_00","startTime":35.5,"endTime":36.06,"body":"officially"},{"speaker":"SPEAKER_00","startTime":36.06,"endTime":36.22,"body":"the"},{"speaker":"SPEAKER_00","startTime":36.22,"endTime":36.7,"body":"hottest"},{"speaker":"SPEAKER_00","startTime":36.7,"endTime":37.02,"body":"game"},{"speaker":"SPEAKER_00","startTime":37.02,"endTime":37.34,"body":"show"},{"speaker":"SPEAKER_00","startTime":37.34,"endTime":37.58,"body":"in"},{"speaker":"SPEAKER_00","startTime":37.58,"endTime":38.14,"body":"insurance."},{"speaker":"SPEAKER_00","startTime":38.3,"endTime":38.620000000000005,"body":"Yes,"},{"speaker":"SPEAKER_00","startTime":38.78,"endTime":39.1,"body":"I"},{"speaker":"SPEAKER_00","startTime":39.1,"endTime":39.34,"body":"said"},{"speaker":"SPEAKER_00","startTime":39.34,"endTime":39.58,"body":"it."},{"speaker":"SPEAKER_00","startTime":39.74,"endTime":39.980000000000004,"body":"You"},{"speaker":"SPEAKER_00","startTime":39.980000000000004,"endTime":40.14,"body":"are"},{"speaker":"SPEAKER_00","startTime":40.14,"endTime":40.38,"body":"now"},{"speaker":"SPEAKER_00","startTime":40.38,"endTime":40.54,"body":"a"},{"speaker":"SPEAKER_00","startTime":40.54,"endTime":41.1,"body":"contestant"},{"speaker":"SPEAKER_00","startTime":41.1,"endTime":41.34,"body":"on"},{"speaker":"SPEAKER_00","startTime":41.34,"endTime":41.980000000000004,"body":"covered"},{"speaker":"SPEAKER_00","startTime":41.980000000000004,"endTime":42.22,"body":"or"},{"speaker":"SPEAKER_00","startTime":42.22,"endTime":42.86,"body":"denied."},{"speaker":"SPEAKER_00","startTime":43.1,"endTime":43.260000000000005,"body":"I"},{"speaker":"SPEAKER_00","startTime":43.260000000000005,"endTime":43.5,"body":"need"},{"speaker":"SPEAKER_00","startTime":43.5,"endTime":43.66,"body":"you"},{"speaker":"SPEAKER_00","startTime":43.66,"endTime":43.82,"body":"to"},{"speaker":"SPEAKER_00","startTime":43.82,"endTime":44.22,"body":"actually"},{"speaker":"SPEAKER_00","startTime":44.22,"endTime":44.620000000000005,"body":"play"},{"speaker":"SPEAKER_00","startTime":44.620000000000005,"endTime":45.019999999999996,"body":"along."},{"speaker":"SPEAKER_00","startTime":45.18,"endTime":45.42,"body":"I'm"},{"speaker":"SPEAKER_00","startTime":45.42,"endTime":45.66,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":45.66,"endTime":45.82,"body":"give"},{"speaker":"SPEAKER_00","startTime":45.82,"endTime":45.980000000000004,"body":"you"},{"speaker":"SPEAKER_00","startTime":45.980000000000004,"endTime":46.06,"body":"a"},{"speaker":"SPEAKER_00","startTime":46.06,"endTime":46.22,"body":"real"},{"speaker":"SPEAKER_00","startTime":46.3,"endTime":46.54,"body":"life"},{"speaker":"SPEAKER_00","startTime":46.54,"endTime":47.1,"body":"scenario."},{"speaker":"SPEAKER_00","startTime":47.18,"endTime":47.34,"body":"I"},{"speaker":"SPEAKER_00","startTime":47.34,"endTime":47.5,"body":"want"},{"speaker":"SPEAKER_00","startTime":47.5,"endTime":47.66,"body":"you"},{"speaker":"SPEAKER_00","startTime":47.66,"endTime":47.82,"body":"to"},{"speaker":"SPEAKER_00","startTime":47.82,"endTime":47.980000000000004,"body":"say"},{"speaker":"SPEAKER_00","startTime":47.980000000000004,"endTime":48.22,"body":"your"},{"speaker":"SPEAKER_00","startTime":48.22,"endTime":48.54,"body":"answer"},{"speaker":"SPEAKER_00","startTime":48.54,"endTime":48.78,"body":"out"},{"speaker":"SPEAKER_00","startTime":48.78,"endTime":49.18,"body":"loud"},{"speaker":"SPEAKER_00","startTime":49.260000000000005,"endTime":49.5,"body":"in"},{"speaker":"SPEAKER_00","startTime":49.5,"endTime":49.74,"body":"your"},{"speaker":"SPEAKER_00","startTime":49.74,"endTime":49.900000000000006,"body":"car,"},{"speaker":"SPEAKER_00","startTime":50.06,"endTime":50.22,"body":"in"},{"speaker":"SPEAKER_00","startTime":50.22,"endTime":50.379999999999995,"body":"your"},{"speaker":"SPEAKER_00","startTime":50.379999999999995,"endTime":50.78,"body":"office,"},{"speaker":"SPEAKER_00","startTime":50.94,"endTime":51.34,"body":"wherever"},{"speaker":"SPEAKER_00","startTime":51.34,"endTime":51.66,"body":"you're"},{"speaker":"SPEAKER_00","startTime":51.66,"endTime":52.22,"body":"listening."},{"speaker":"SPEAKER_00","startTime":52.46,"endTime":53.34,"body":"Covered"},{"speaker":"SPEAKER_00","startTime":53.34,"endTime":53.66,"body":"or"},{"speaker":"SPEAKER_00","startTime":53.66,"endTime":54.3,"body":"denied?"},{"speaker":"SPEAKER_00","startTime":54.54,"endTime":54.94,"body":"I'll"},{"speaker":"SPEAKER_00","startTime":54.94,"endTime":55.260000000000005,"body":"pause"},{"speaker":"SPEAKER_00","startTime":55.260000000000005,"endTime":55.5,"body":"so"},{"speaker":"SPEAKER_00","startTime":55.5,"endTime":55.66,"body":"you"},{"speaker":"SPEAKER_00","startTime":55.66,"endTime":55.82,"body":"can"},{"speaker":"SPEAKER_00","startTime":55.82,"endTime":56.14,"body":"guess."},{"speaker":"SPEAKER_00","startTime":56.3,"endTime":56.54,"body":"Then"},{"speaker":"SPEAKER_00","startTime":56.54,"endTime":56.78,"body":"I'll"},{"speaker":"SPEAKER_00","startTime":56.78,"endTime":57.18,"body":"explain"},{"speaker":"SPEAKER_00","startTime":57.18,"endTime":57.34,"body":"what"},{"speaker":"SPEAKER_00","startTime":57.34,"endTime":57.5,"body":"the"},{"speaker":"SPEAKER_00","startTime":57.5,"endTime":57.980000000000004,"body":"policy"},{"speaker":"SPEAKER_00","startTime":57.980000000000004,"endTime":58.46,"body":"actually"},{"speaker":"SPEAKER_00","startTime":58.46,"endTime":58.78,"body":"says."},{"speaker":"SPEAKER_00","startTime":58.86,"endTime":59.1,"body":"And"},{"speaker":"SPEAKER_00","startTime":59.1,"endTime":59.34,"body":"I"},{"speaker":"SPEAKER_00","startTime":59.34,"endTime":59.82,"body":"promise,"},{"speaker":"SPEAKER_00","startTime":59.980000000000004,"endTime":60.3,"body":"I"},{"speaker":"SPEAKER_00","startTime":60.3,"endTime":60.46,"body":"will"},{"speaker":"SPEAKER_00","startTime":60.46,"endTime":60.86,"body":"translate"},{"speaker":"SPEAKER_00","startTime":60.86,"endTime":61.02,"body":"the"},{"speaker":"SPEAKER_00","startTime":61.02,"endTime":61.5,"body":"insurance"},{"speaker":"SPEAKER_00","startTime":61.5,"endTime":61.980000000000004,"body":"jargon"},{"speaker":"SPEAKER_00","startTime":61.980000000000004,"endTime":62.22,"body":"into"},{"speaker":"SPEAKER_00","startTime":62.22,"endTime":62.62,"body":"normal"},{"speaker":"SPEAKER_00","startTime":62.62,"endTime":62.94,"body":"human"},{"speaker":"SPEAKER_00","startTime":62.94,"endTime":63.5,"body":"English."},{"speaker":"SPEAKER_00","startTime":63.74,"endTime":64.06,"body":"Okay,"},{"speaker":"SPEAKER_00","startTime":64.3,"endTime":65.02000000000001,"body":"contestant,"},{"speaker":"SPEAKER_00","startTime":65.18,"endTime":65.82,"body":"let's"},{"speaker":"SPEAKER_00","startTime":65.82,"endTime":66.46000000000001,"body":"play."},{"speaker":"SPEAKER_00","startTime":68.3,"endTime":68.53999999999999,"body":"A"},{"speaker":"SPEAKER_00","startTime":68.53999999999999,"endTime":69.34,"body":"windstorm"},{"speaker":"SPEAKER_00","startTime":69.34,"endTime":69.66,"body":"hits"},{"speaker":"SPEAKER_00","startTime":69.66,"endTime":69.74000000000001,"body":"a"},{"speaker":"SPEAKER_00","startTime":69.74000000000001,"endTime":70.22,"body":"commercial"},{"speaker":"SPEAKER_00","startTime":70.22,"endTime":70.7,"body":"building."},{"speaker":"SPEAKER_00","startTime":70.86,"endTime":71.1,"body":"Not"},{"speaker":"SPEAKER_00","startTime":71.1,"endTime":71.25999999999999,"body":"a"},{"speaker":"SPEAKER_00","startTime":71.25999999999999,"endTime":71.9,"body":"hurricane,"},{"speaker":"SPEAKER_00","startTime":72.06,"endTime":72.3,"body":"just"},{"speaker":"SPEAKER_00","startTime":72.3,"endTime":72.46000000000001,"body":"a"},{"speaker":"SPEAKER_00","startTime":72.46000000000001,"endTime":72.94,"body":"strong"},{"speaker":"SPEAKER_00","startTime":72.94,"endTime":73.58,"body":"Texas"},{"speaker":"SPEAKER_00","startTime":73.58,"endTime":73.9,"body":"wind."},{"speaker":"SPEAKER_00","startTime":74.06,"endTime":74.38,"body":"Half"},{"speaker":"SPEAKER_00","startTime":74.38,"endTime":74.53999999999999,"body":"the"},{"speaker":"SPEAKER_00","startTime":74.53999999999999,"endTime":74.94,"body":"roof"},{"speaker":"SPEAKER_00","startTime":74.94,"endTime":75.42,"body":"tears"},{"speaker":"SPEAKER_00","startTime":75.42,"endTime":75.66,"body":"off."},{"speaker":"SPEAKER_00","startTime":75.82,"endTime":75.98,"body":"The"},{"speaker":"SPEAKER_00","startTime":75.98,"endTime":76.38,"body":"owner"},{"speaker":"SPEAKER_00","startTime":76.38,"endTime":76.62,"body":"tells"},{"speaker":"SPEAKER_00","startTime":76.62,"endTime":76.78,"body":"me,"},{"speaker":"SPEAKER_00","startTime":76.94,"endTime":77.18,"body":"We're"},{"speaker":"SPEAKER_00","startTime":77.18,"endTime":77.34,"body":"fine,"},{"speaker":"SPEAKER_00","startTime":77.42,"endTime":77.98,"body":"Jessica,"},{"speaker":"SPEAKER_00","startTime":78.14,"endTime":78.22,"body":"we"},{"speaker":"SPEAKER_00","startTime":78.22,"endTime":78.38,"body":"have"},{"speaker":"SPEAKER_00","startTime":78.38,"endTime":78.7,"body":"80%"},{"speaker":"SPEAKER_00","startTime":79.02000000000001,"endTime":80.14,"body":"coinsurance."},{"speaker":"SPEAKER_00","startTime":82.3,"endTime":83.25999999999999,"body":"Covered"},{"speaker":"SPEAKER_00","startTime":83.5,"endTime":83.82,"body":"or"},{"speaker":"SPEAKER_00","startTime":84.14,"endTime":84.94,"body":"denied."},{"speaker":"SPEAKER_00","startTime":85.66,"endTime":86.22,"body":"Lock"},{"speaker":"SPEAKER_00","startTime":86.22,"endTime":86.53999999999999,"body":"it"},{"speaker":"SPEAKER_00","startTime":86.53999999999999,"endTime":86.86,"body":"in."},{"speaker":"SPEAKER_00","startTime":89.58,"endTime":89.9,"body":"The"},{"speaker":"SPEAKER_00","startTime":89.9,"endTime":90.54,"body":"answer"},{"speaker":"SPEAKER_00","startTime":90.54,"endTime":90.86,"body":"is"},{"speaker":"SPEAKER_00","startTime":91.18,"endTime":91.98,"body":"covered,"},{"speaker":"SPEAKER_00","startTime":92.22,"endTime":92.54,"body":"but"},{"speaker":"SPEAKER_00","startTime":92.54,"endTime":92.78,"body":"not"},{"speaker":"SPEAKER_00","startTime":92.78,"endTime":93.42,"body":"fully."},{"speaker":"SPEAKER_00","startTime":93.58,"endTime":93.9,"body":"Here's"},{"speaker":"SPEAKER_00","startTime":93.9,"endTime":94.06,"body":"the"},{"speaker":"SPEAKER_00","startTime":94.06,"endTime":94.54,"body":"jargon"},{"speaker":"SPEAKER_00","startTime":94.7,"endTime":95.5,"body":"translation."},{"speaker":"SPEAKER_00","startTime":95.82000000000001,"endTime":96.7,"body":"Coinsurance"},{"speaker":"SPEAKER_00","startTime":96.7,"endTime":96.86,"body":"is"},{"speaker":"SPEAKER_00","startTime":96.86,"endTime":97.1,"body":"a"},{"speaker":"SPEAKER_00","startTime":97.1,"endTime":97.42,"body":"rule"},{"speaker":"SPEAKER_00","startTime":97.42,"endTime":97.82000000000001,"body":"inside"},{"speaker":"SPEAKER_00","startTime":97.82000000000001,"endTime":97.98,"body":"a"},{"speaker":"SPEAKER_00","startTime":97.98,"endTime":98.46,"body":"commercial"},{"speaker":"SPEAKER_00","startTime":98.46,"endTime":98.94,"body":"property"},{"speaker":"SPEAKER_00","startTime":98.94,"endTime":99.5,"body":"insurance"},{"speaker":"SPEAKER_00","startTime":99.5,"endTime":99.9,"body":"policy."},{"speaker":"SPEAKER_00","startTime":100.06,"endTime":100.3,"body":"It"},{"speaker":"SPEAKER_00","startTime":100.3,"endTime":100.62,"body":"means"},{"speaker":"SPEAKER_00","startTime":100.62,"endTime":100.78,"body":"you"},{"speaker":"SPEAKER_00","startTime":100.78,"endTime":101.26,"body":"promise"},{"speaker":"SPEAKER_00","startTime":101.26,"endTime":101.42,"body":"the"},{"speaker":"SPEAKER_00","startTime":101.42,"endTime":101.98,"body":"insurance"},{"speaker":"SPEAKER_00","startTime":101.98,"endTime":102.46,"body":"company"},{"speaker":"SPEAKER_00","startTime":102.46,"endTime":102.7,"body":"you"},{"speaker":"SPEAKER_00","startTime":102.7,"endTime":102.94,"body":"are"},{"speaker":"SPEAKER_00","startTime":102.94,"endTime":103.5,"body":"insuring"},{"speaker":"SPEAKER_00","startTime":103.5,"endTime":103.66,"body":"the"},{"speaker":"SPEAKER_00","startTime":103.66,"endTime":104.14,"body":"building"},{"speaker":"SPEAKER_00","startTime":104.14,"endTime":104.54,"body":"close"},{"speaker":"SPEAKER_00","startTime":104.54,"endTime":104.7,"body":"to"},{"speaker":"SPEAKER_00","startTime":104.7,"endTime":104.94,"body":"what"},{"speaker":"SPEAKER_00","startTime":104.94,"endTime":105.1,"body":"it"},{"speaker":"SPEAKER_00","startTime":105.1,"endTime":105.5,"body":"actually"},{"speaker":"SPEAKER_00","startTime":105.5,"endTime":105.82000000000001,"body":"costs"},{"speaker":"SPEAKER_00","startTime":105.82000000000001,"endTime":105.98,"body":"to"},{"speaker":"SPEAKER_00","startTime":105.98,"endTime":106.54,"body":"rebuild"},{"speaker":"SPEAKER_00","startTime":106.54,"endTime":106.78,"body":"it,"},{"speaker":"SPEAKER_00","startTime":106.94,"endTime":107.5,"body":"usually"},{"speaker":"SPEAKER_00","startTime":107.5,"endTime":107.66,"body":"at"},{"speaker":"SPEAKER_00","startTime":107.66,"endTime":107.98,"body":"least"},{"speaker":"SPEAKER_00","startTime":107.98,"endTime":108.46,"body":"80%."},{"speaker":"SPEAKER_00","startTime":109.26,"endTime":109.5,"body":"If"},{"speaker":"SPEAKER_00","startTime":109.5,"endTime":109.74,"body":"you"},{"speaker":"SPEAKER_00","startTime":109.74,"endTime":110.22,"body":"insure"},{"speaker":"SPEAKER_00","startTime":110.22,"endTime":110.46,"body":"way"},{"speaker":"SPEAKER_00","startTime":110.46,"endTime":110.78,"body":"below"},{"speaker":"SPEAKER_00","startTime":110.78,"endTime":110.94,"body":"the"},{"speaker":"SPEAKER_00","startTime":110.94,"endTime":111.18,"body":"real"},{"speaker":"SPEAKER_00","startTime":111.18,"endTime":111.66,"body":"value,"},{"speaker":"SPEAKER_00","startTime":111.9,"endTime":112.14,"body":"the"},{"speaker":"SPEAKER_00","startTime":112.14,"endTime":112.7,"body":"carrier"},{"speaker":"SPEAKER_00","startTime":112.7,"endTime":113.1,"body":"reduces"},{"speaker":"SPEAKER_00","startTime":113.1,"endTime":113.26,"body":"your"},{"speaker":"SPEAKER_00","startTime":113.26,"endTime":113.66,"body":"claim"},{"speaker":"SPEAKER_00","startTime":113.66,"endTime":114.06,"body":"payment."},{"speaker":"SPEAKER_00","startTime":114.22,"endTime":114.38,"body":"So"},{"speaker":"SPEAKER_00","startTime":114.46,"endTime":114.62,"body":"if"},{"speaker":"SPEAKER_00","startTime":114.62,"endTime":114.78,"body":"the"},{"speaker":"SPEAKER_00","startTime":114.78,"endTime":115.02,"body":"building"},{"speaker":"SPEAKER_00","startTime":115.02,"endTime":115.18,"body":"is"},{"speaker":"SPEAKER_00","startTime":115.18,"endTime":115.5,"body":"worth"},{"speaker":"SPEAKER_00","startTime":115.5,"endTime":115.74,"body":"$4"},{"speaker":"SPEAKER_00","startTime":115.9,"endTime":116.3,"body":"million,"},{"speaker":"SPEAKER_00","startTime":116.62,"endTime":116.86,"body":"but"},{"speaker":"SPEAKER_00","startTime":116.86,"endTime":117.02,"body":"you"},{"speaker":"SPEAKER_00","startTime":117.02,"endTime":117.26,"body":"only"},{"speaker":"SPEAKER_00","startTime":117.26,"endTime":117.82000000000001,"body":"insured"},{"speaker":"SPEAKER_00","startTime":117.82000000000001,"endTime":117.98,"body":"$2"},{"speaker":"SPEAKER_00","startTime":118.14,"endTime":118.46,"body":"million,"},{"speaker":"SPEAKER_00","startTime":118.62,"endTime":118.78,"body":"the"},{"speaker":"SPEAKER_00","startTime":118.78,"endTime":119.34,"body":"insurance"},{"speaker":"SPEAKER_00","startTime":119.34,"endTime":119.74,"body":"company"},{"speaker":"SPEAKER_00","startTime":119.74,"endTime":119.98,"body":"doesn't"},{"speaker":"SPEAKER_00","startTime":119.98,"endTime":120.22,"body":"pay"},{"speaker":"SPEAKER_00","startTime":120.22,"endTime":120.38,"body":"the"},{"speaker":"SPEAKER_00","startTime":120.38,"endTime":120.78,"body":"full"},{"speaker":"SPEAKER_00","startTime":120.78,"endTime":121.26,"body":"loss."},{"speaker":"SPEAKER_00","startTime":121.5,"endTime":121.98,"body":"They"},{"speaker":"SPEAKER_00","startTime":121.98,"endTime":122.14,"body":"make"},{"speaker":"SPEAKER_00","startTime":122.14,"endTime":122.3,"body":"you"},{"speaker":"SPEAKER_00","startTime":122.3,"endTime":122.62,"body":"share"},{"speaker":"SPEAKER_00","startTime":122.62,"endTime":122.94,"body":"the"},{"speaker":"SPEAKER_00","startTime":122.94,"endTime":123.18,"body":"cost."},{"speaker":"SPEAKER_00","startTime":123.42,"endTime":123.58,"body":"This"},{"speaker":"SPEAKER_00","startTime":123.58,"endTime":123.74,"body":"is"},{"speaker":"SPEAKER_00","startTime":123.74,"endTime":123.98,"body":"called"},{"speaker":"SPEAKER_00","startTime":123.98,"endTime":124.22,"body":"a"},{"speaker":"SPEAKER_00","startTime":124.22,"endTime":125.1,"body":"coinsurance"},{"speaker":"SPEAKER_00","startTime":125.1,"endTime":125.66,"body":"penalty."},{"speaker":"SPEAKER_00","startTime":125.82000000000001,"endTime":125.98,"body":"So"},{"speaker":"SPEAKER_00","startTime":126.14,"endTime":126.46,"body":"yes,"},{"speaker":"SPEAKER_00","startTime":126.78,"endTime":127.74,"body":"covered,"},{"speaker":"SPEAKER_00","startTime":128.06,"endTime":128.38,"body":"but"},{"speaker":"SPEAKER_00","startTime":128.38,"endTime":128.86,"body":"you'll"},{"speaker":"SPEAKER_00","startTime":128.86,"endTime":129.01999999999998,"body":"still"},{"speaker":"SPEAKER_00","startTime":129.01999999999998,"endTime":129.18,"body":"have"},{"speaker":"SPEAKER_00","startTime":129.18,"endTime":129.26,"body":"to"},{"speaker":"SPEAKER_00","startTime":129.26,"endTime":129.5,"body":"write"},{"speaker":"SPEAKER_00","startTime":129.5,"endTime":129.57999999999998,"body":"a"},{"speaker":"SPEAKER_00","startTime":129.57999999999998,"endTime":129.74,"body":"very"},{"speaker":"SPEAKER_00","startTime":129.74,"endTime":130.3,"body":"painful"},{"speaker":"SPEAKER_00","startTime":130.3,"endTime":130.94,"body":"check."},{"speaker":"SPEAKER_00","startTime":132.78,"endTime":133.1,"body":"Well,"},{"speaker":"SPEAKER_00","startTime":133.26,"endTime":133.74,"body":"promises"},{"speaker":"SPEAKER_00","startTime":133.9,"endTime":134.3,"body":"matter"},{"speaker":"SPEAKER_00","startTime":134.3,"endTime":134.54000000000002,"body":"more"},{"speaker":"SPEAKER_00","startTime":134.54000000000002,"endTime":134.7,"body":"than"},{"speaker":"SPEAKER_00","startTime":134.7,"endTime":135.42000000000002,"body":"paperwork."},{"speaker":"SPEAKER_00","startTime":135.74,"endTime":136.3,"body":"Round"},{"speaker":"SPEAKER_00","startTime":136.3,"endTime":136.54000000000002,"body":"two."},{"speaker":"SPEAKER_00","startTime":137.34,"endTime":137.57999999999998,"body":"An"},{"speaker":"SPEAKER_00","startTime":137.57999999999998,"endTime":138.06,"body":"apartment"},{"speaker":"SPEAKER_00","startTime":138.06,"endTime":138.62,"body":"complex"},{"speaker":"SPEAKER_00","startTime":138.62,"endTime":139.1,"body":"catches"},{"speaker":"SPEAKER_00","startTime":139.1,"endTime":139.5,"body":"fire."},{"speaker":"SPEAKER_00","startTime":139.66,"endTime":139.9,"body":"The"},{"speaker":"SPEAKER_00","startTime":139.9,"endTime":140.3,"body":"policy"},{"speaker":"SPEAKER_00","startTime":140.3,"endTime":140.62,"body":"says,"},{"speaker":"SPEAKER_00","startTime":140.78,"endTime":141.18,"body":"warrant"},{"speaker":"SPEAKER_00","startTime":141.34,"endTime":141.74,"body":"fully"},{"speaker":"SPEAKER_00","startTime":141.74,"endTime":142.38,"body":"sprinklered."},{"speaker":"SPEAKER_00","startTime":142.7,"endTime":143.1,"body":"Three"},{"speaker":"SPEAKER_00","startTime":143.1,"endTime":143.74,"body":"buildings"},{"speaker":"SPEAKER_00","startTime":143.74,"endTime":144.06,"body":"exist."},{"speaker":"SPEAKER_00","startTime":144.38,"endTime":144.94,"body":"Only"},{"speaker":"SPEAKER_00","startTime":144.94,"endTime":145.26,"body":"one"},{"speaker":"SPEAKER_00","startTime":145.26,"endTime":145.74,"body":"actually"},{"speaker":"SPEAKER_00","startTime":145.74,"endTime":145.98000000000002,"body":"has"},{"speaker":"SPEAKER_00","startTime":145.98000000000002,"endTime":146.7,"body":"sprinklers."},{"speaker":"SPEAKER_00","startTime":147.5,"endTime":148.22,"body":"Covered"},{"speaker":"SPEAKER_00","startTime":148.62,"endTime":148.94,"body":"or"},{"speaker":"SPEAKER_00","startTime":148.94,"endTime":149.9,"body":"denied."},{"speaker":"SPEAKER_00","startTime":155.18,"endTime":155.82,"body":"Final"},{"speaker":"SPEAKER_00","startTime":155.82,"endTime":156.45999999999998,"body":"answer."},{"speaker":"SPEAKER_00","startTime":158.14,"endTime":159.10000000000002,"body":"Denied."},{"speaker":"SPEAKER_00","startTime":159.74,"endTime":160.14,"body":"Let's"},{"speaker":"SPEAKER_00","startTime":160.14,"endTime":160.54000000000002,"body":"define"},{"speaker":"SPEAKER_00","startTime":160.54000000000002,"endTime":160.7,"body":"a"},{"speaker":"SPEAKER_00","startTime":160.7,"endTime":161.01999999999998,"body":"big"},{"speaker":"SPEAKER_00","startTime":161.01999999999998,"endTime":161.26,"body":"word."},{"speaker":"SPEAKER_00","startTime":161.5,"endTime":161.74,"body":"A"},{"speaker":"SPEAKER_00","startTime":161.74,"endTime":162.38,"body":"warranty"},{"speaker":"SPEAKER_00","startTime":162.38,"endTime":162.54000000000002,"body":"in"},{"speaker":"SPEAKER_00","startTime":162.54000000000002,"endTime":163.10000000000002,"body":"insurance"},{"speaker":"SPEAKER_00","startTime":163.10000000000002,"endTime":163.26,"body":"is"},{"speaker":"SPEAKER_00","startTime":163.26,"endTime":163.5,"body":"a"},{"speaker":"SPEAKER_00","startTime":163.5,"endTime":163.98000000000002,"body":"promise"},{"speaker":"SPEAKER_00","startTime":163.98000000000002,"endTime":164.22000000000003,"body":"you"},{"speaker":"SPEAKER_00","startTime":164.22000000000003,"endTime":164.45999999999998,"body":"make"},{"speaker":"SPEAKER_00","startTime":164.45999999999998,"endTime":164.62,"body":"about"},{"speaker":"SPEAKER_00","startTime":164.62,"endTime":164.86,"body":"the"},{"speaker":"SPEAKER_00","startTime":164.86,"endTime":165.33999999999997,"body":"property,"},{"speaker":"SPEAKER_00","startTime":165.5,"endTime":165.74,"body":"like"},{"speaker":"SPEAKER_00","startTime":165.74,"endTime":165.89999999999998,"body":"the"},{"speaker":"SPEAKER_00","startTime":165.89999999999998,"endTime":166.38,"body":"building"},{"speaker":"SPEAKER_00","startTime":166.38,"endTime":166.62,"body":"having"},{"speaker":"SPEAKER_00","startTime":166.62,"endTime":167.26,"body":"sprinklers,"},{"speaker":"SPEAKER_00","startTime":167.42000000000002,"endTime":167.82,"body":"alarms,"},{"speaker":"SPEAKER_00","startTime":167.98000000000002,"endTime":168.14,"body":"or"},{"speaker":"SPEAKER_00","startTime":168.14,"endTime":168.7,"body":"security"},{"speaker":"SPEAKER_00","startTime":168.7,"endTime":169.18,"body":"systems."},{"speaker":"SPEAKER_00","startTime":169.42000000000002,"endTime":169.66000000000003,"body":"If"},{"speaker":"SPEAKER_00","startTime":169.66000000000003,"endTime":169.89999999999998,"body":"that"},{"speaker":"SPEAKER_00","startTime":169.89999999999998,"endTime":170.3,"body":"promise"},{"speaker":"SPEAKER_00","startTime":170.3,"endTime":170.45999999999998,"body":"is"},{"speaker":"SPEAKER_00","startTime":170.45999999999998,"endTime":171.10000000000002,"body":"untrue,"},{"speaker":"SPEAKER_00","startTime":171.33999999999997,"endTime":171.57999999999998,"body":"the"},{"speaker":"SPEAKER_00","startTime":171.57999999999998,"endTime":172.14,"body":"insurance"},{"speaker":"SPEAKER_00","startTime":172.14,"endTime":172.54000000000002,"body":"company"},{"speaker":"SPEAKER_00","startTime":172.54000000000002,"endTime":172.77999999999997,"body":"can"},{"speaker":"SPEAKER_00","startTime":172.77999999999997,"endTime":173.26,"body":"legally"},{"speaker":"SPEAKER_00","startTime":173.26,"endTime":173.66000000000003,"body":"deny"},{"speaker":"SPEAKER_00","startTime":173.66000000000003,"endTime":173.82,"body":"the"},{"speaker":"SPEAKER_00","startTime":173.82,"endTime":174.38,"body":"claim"},{"speaker":"SPEAKER_00","startTime":174.38,"endTime":174.62,"body":"because"},{"speaker":"SPEAKER_00","startTime":174.62,"endTime":174.86,"body":"they"},{"speaker":"SPEAKER_00","startTime":174.86,"endTime":175.26,"body":"price"},{"speaker":"SPEAKER_00","startTime":175.26,"endTime":175.5,"body":"the"},{"speaker":"SPEAKER_00","startTime":175.5,"endTime":176.06,"body":"policy"},{"speaker":"SPEAKER_00","startTime":176.06,"endTime":176.45999999999998,"body":"based"},{"speaker":"SPEAKER_00","startTime":176.45999999999998,"endTime":176.62,"body":"on"},{"speaker":"SPEAKER_00","startTime":176.62,"endTime":176.86,"body":"that"},{"speaker":"SPEAKER_00","startTime":176.86,"endTime":177.42000000000002,"body":"protection"},{"speaker":"SPEAKER_00","startTime":177.42000000000002,"endTime":177.89999999999998,"body":"existing."},{"speaker":"SPEAKER_00","startTime":178.06,"endTime":178.3,"body":"This"},{"speaker":"SPEAKER_00","startTime":178.3,"endTime":178.77999999999997,"body":"falls"},{"speaker":"SPEAKER_00","startTime":178.77999999999997,"endTime":178.94,"body":"under"},{"speaker":"SPEAKER_00","startTime":178.94,"endTime":179.33999999999997,"body":"something"},{"speaker":"SPEAKER_00","startTime":179.33999999999997,"endTime":179.89999999999998,"body":"called"},{"speaker":"SPEAKER_00","startTime":179.89999999999998,"endTime":180.38,"body":"material"},{"speaker":"SPEAKER_00","startTime":180.54000000000002,"endTime":181.98000000000002,"body":"misrepresentation."},{"speaker":"SPEAKER_00","startTime":182.94,"endTime":183.66000000000003,"body":"Meaning"},{"speaker":"SPEAKER_00","startTime":183.66000000000003,"endTime":183.89999999999998,"body":"the"},{"speaker":"SPEAKER_00","startTime":183.89999999999998,"endTime":184.22000000000003,"body":"risk"},{"speaker":"SPEAKER_00","startTime":184.22000000000003,"endTime":184.45999999999998,"body":"they"},{"speaker":"SPEAKER_00","startTime":184.45999999999998,"endTime":185.10000000000002,"body":"insured"},{"speaker":"SPEAKER_00","startTime":185.10000000000002,"endTime":185.33999999999997,"body":"is"},{"speaker":"SPEAKER_00","startTime":185.33999999999997,"endTime":185.5,"body":"not"},{"speaker":"SPEAKER_00","startTime":185.5,"endTime":185.74,"body":"the"},{"speaker":"SPEAKER_00","startTime":185.74,"endTime":186.06,"body":"risk"},{"speaker":"SPEAKER_00","startTime":186.06,"endTime":186.22000000000003,"body":"they"},{"speaker":"SPEAKER_00","startTime":186.22000000000003,"endTime":186.38,"body":"were"},{"speaker":"SPEAKER_00","startTime":186.38,"endTime":186.77999999999997,"body":"told"},{"speaker":"SPEAKER_00","startTime":186.77999999999997,"endTime":187.01999999999998,"body":"about."},{"speaker":"SPEAKER_00","startTime":187.33999999999997,"endTime":188.22000000000003,"body":"Applications"},{"speaker":"SPEAKER_00","startTime":188.22000000000003,"endTime":188.38,"body":"are"},{"speaker":"SPEAKER_00","startTime":188.38,"endTime":188.62,"body":"not"},{"speaker":"SPEAKER_00","startTime":188.62,"endTime":188.86,"body":"just"},{"speaker":"SPEAKER_00","startTime":188.86,"endTime":189.33999999999997,"body":"forms,"},{"speaker":"SPEAKER_00","startTime":189.42000000000002,"endTime":189.82,"body":"they're"},{"speaker":"SPEAKER_00","startTime":189.82,"endTime":189.98000000000002,"body":"part"},{"speaker":"SPEAKER_00","startTime":189.98000000000002,"endTime":190.14,"body":"of"},{"speaker":"SPEAKER_00","startTime":190.14,"endTime":190.38,"body":"the"},{"speaker":"SPEAKER_00","startTime":190.38,"endTime":191.01999999999998,"body":"contract."},{"speaker":"SPEAKER_00","startTime":191.57999999999998,"endTime":192.14,"body":"Next"},{"speaker":"SPEAKER_00","startTime":192.14,"endTime":192.45999999999998,"body":"question,"},{"speaker":"SPEAKER_00","startTime":192.62,"endTime":193.26,"body":"contestants,"},{"speaker":"SPEAKER_00","startTime":193.42000000000002,"endTime":193.66000000000003,"body":"does"},{"speaker":"SPEAKER_00","startTime":193.66000000000003,"endTime":194.06,"body":"smoke"},{"speaker":"SPEAKER_00","startTime":194.06,"endTime":194.38,"body":"count"},{"speaker":"SPEAKER_00","startTime":194.38,"endTime":194.62,"body":"as"},{"speaker":"SPEAKER_00","startTime":194.62,"endTime":195.01999999999998,"body":"damage?"},{"speaker":"SPEAKER_00","startTime":195.33999999999997,"endTime":195.82,"body":"Round"},{"speaker":"SPEAKER_00","startTime":195.82,"endTime":196.22000000000003,"body":"three,"},{"speaker":"SPEAKER_00","startTime":196.45999999999998,"endTime":196.7,"body":"the"},{"speaker":"SPEAKER_00","startTime":196.7,"endTime":197.66000000000003,"body":"restaurant."},{"speaker":"SPEAKER_00","startTime":199.33999999999997,"endTime":199.66000000000003,"body":"The"},{"speaker":"SPEAKER_00","startTime":199.66000000000003,"endTime":200.14,"body":"building"},{"speaker":"SPEAKER_00","startTime":200.14,"endTime":200.45999999999998,"body":"next"},{"speaker":"SPEAKER_00","startTime":200.45999999999998,"endTime":200.7,"body":"door"},{"speaker":"SPEAKER_00","startTime":200.7,"endTime":201.18,"body":"burns"},{"speaker":"SPEAKER_00","startTime":201.18,"endTime":201.33999999999997,"body":"down."},{"speaker":"SPEAKER_00","startTime":201.5,"endTime":201.82,"body":"Your"},{"speaker":"SPEAKER_00","startTime":201.82,"endTime":202.38,"body":"restaurant"},{"speaker":"SPEAKER_00","startTime":202.38,"endTime":202.7,"body":"doesn't"},{"speaker":"SPEAKER_00","startTime":202.7,"endTime":203.10000000000002,"body":"burn,"},{"speaker":"SPEAKER_00","startTime":203.18,"endTime":203.33999999999997,"body":"but"},{"speaker":"SPEAKER_00","startTime":203.33999999999997,"endTime":203.57999999999998,"body":"you're"},{"speaker":"SPEAKER_00","startTime":203.57999999999998,"endTime":203.89999999999998,"body":"forced"},{"speaker":"SPEAKER_00","startTime":203.89999999999998,"endTime":204.06,"body":"to"},{"speaker":"SPEAKER_00","startTime":204.06,"endTime":204.38,"body":"close"},{"speaker":"SPEAKER_00","startTime":204.38,"endTime":204.54000000000002,"body":"for"},{"speaker":"SPEAKER_00","startTime":204.54000000000002,"endTime":204.77999999999997,"body":"three"},{"speaker":"SPEAKER_00","startTime":204.77999999999997,"endTime":205.10000000000002,"body":"weeks"},{"speaker":"SPEAKER_00","startTime":205.10000000000002,"endTime":205.33999999999997,"body":"because"},{"speaker":"SPEAKER_00","startTime":205.33999999999997,"endTime":205.5,"body":"the"},{"speaker":"SPEAKER_00","startTime":205.5,"endTime":205.89999999999998,"body":"area"},{"speaker":"SPEAKER_00","startTime":205.89999999999998,"endTime":206.3,"body":"smells"},{"speaker":"SPEAKER_00","startTime":206.3,"endTime":206.45999999999998,"body":"like"},{"speaker":"SPEAKER_00","startTime":206.45999999999998,"endTime":206.86,"body":"smoke"},{"speaker":"SPEAKER_00","startTime":206.86,"endTime":207.01999999999998,"body":"and"},{"speaker":"SPEAKER_00","startTime":207.01999999999998,"endTime":207.57999999999998,"body":"customers"},{"speaker":"SPEAKER_00","startTime":207.57999999999998,"endTime":208.06,"body":"won't"},{"speaker":"SPEAKER_00","startTime":208.06,"endTime":208.38,"body":"come."},{"speaker":"SPEAKER_00","startTime":208.7,"endTime":209.57999999999998,"body":"Covered"},{"speaker":"SPEAKER_00","startTime":209.74,"endTime":210.06,"body":"or"},{"speaker":"SPEAKER_00","startTime":210.06,"endTime":210.86,"body":"denied?"},{"speaker":"SPEAKER_00","startTime":213.89999999999998,"endTime":214.7,"body":"Denied!"},{"speaker":"SPEAKER_00","startTime":215.18,"endTime":215.66000000000003,"body":"Here's"},{"speaker":"SPEAKER_00","startTime":215.66000000000003,"endTime":215.98000000000002,"body":"why."},{"speaker":"SPEAKER_00","startTime":216.22000000000003,"endTime":216.7,"body":"Business"},{"speaker":"SPEAKER_00","startTime":216.7,"endTime":217.10000000000002,"body":"income"},{"speaker":"SPEAKER_00","startTime":217.10000000000002,"endTime":217.5,"body":"coverage,"},{"speaker":"SPEAKER_00","startTime":217.66000000000003,"endTime":217.89999999999998,"body":"also"},{"speaker":"SPEAKER_00","startTime":217.89999999999998,"endTime":218.22000000000003,"body":"called"},{"speaker":"SPEAKER_00","startTime":218.22000000000003,"endTime":218.7,"body":"business"},{"speaker":"SPEAKER_00","startTime":218.7,"endTime":219.26,"body":"interruption,"},{"speaker":"SPEAKER_00","startTime":219.5,"endTime":219.82,"body":"pays"},{"speaker":"SPEAKER_00","startTime":219.82,"endTime":219.98000000000002,"body":"for"},{"speaker":"SPEAKER_00","startTime":219.98000000000002,"endTime":220.38,"body":"lost"},{"speaker":"SPEAKER_00","startTime":220.38,"endTime":220.77999999999997,"body":"income"},{"speaker":"SPEAKER_00","startTime":220.77999999999997,"endTime":221.01999999999998,"body":"when"},{"speaker":"SPEAKER_00","startTime":221.01999999999998,"endTime":221.18,"body":"your"},{"speaker":"SPEAKER_00","startTime":221.18,"endTime":221.57999999999998,"body":"business"},{"speaker":"SPEAKER_00","startTime":221.57999999999998,"endTime":221.74,"body":"has"},{"speaker":"SPEAKER_00","startTime":221.74,"endTime":222.14,"body":"direct"},{"speaker":"SPEAKER_00","startTime":222.14,"endTime":222.54000000000002,"body":"physical"},{"speaker":"SPEAKER_00","startTime":222.54000000000002,"endTime":222.94,"body":"damage"},{"speaker":"SPEAKER_00","startTime":222.94,"endTime":223.10000000000002,"body":"from"},{"speaker":"SPEAKER_00","startTime":223.10000000000002,"endTime":223.26,"body":"a"},{"speaker":"SPEAKER_00","startTime":223.26,"endTime":223.66000000000003,"body":"covered"},{"speaker":"SPEAKER_00","startTime":223.66000000000003,"endTime":223.89999999999998,"body":"event"},{"speaker":"SPEAKER_00","startTime":224.06,"endTime":224.3,"body":"like"},{"speaker":"SPEAKER_00","startTime":224.3,"endTime":224.45999999999998,"body":"a"},{"speaker":"SPEAKER_00","startTime":224.45999999999998,"endTime":224.86,"body":"fire."},{"speaker":"SPEAKER_00","startTime":225.26,"endTime":225.5,"body":"No"},{"speaker":"SPEAKER_00","startTime":225.5,"endTime":225.89999999999998,"body":"damage"},{"speaker":"SPEAKER_00","startTime":225.89999999999998,"endTime":226.06,"body":"to"},{"speaker":"SPEAKER_00","startTime":226.06,"endTime":226.22000000000003,"body":"your"},{"speaker":"SPEAKER_00","startTime":226.22000000000003,"endTime":226.62,"body":"building"},{"speaker":"SPEAKER_00","startTime":226.62,"endTime":226.94,"body":"means"},{"speaker":"SPEAKER_00","startTime":226.94,"endTime":227.18,"body":"no"},{"speaker":"SPEAKER_00","startTime":227.18,"endTime":227.74,"body":"automatic"},{"speaker":"SPEAKER_00","startTime":227.74,"endTime":228.3,"body":"coverage."},{"speaker":"SPEAKER_00","startTime":228.54000000000002,"endTime":228.94,"body":"There's"},{"speaker":"SPEAKER_00","startTime":228.94,"endTime":229.18,"body":"something"},{"speaker":"SPEAKER_00","startTime":229.18,"endTime":229.5,"body":"called"},{"speaker":"SPEAKER_00","startTime":229.5,"endTime":229.89999999999998,"body":"civil"},{"speaker":"SPEAKER_00","startTime":229.89999999999998,"endTime":230.38,"body":"authority"},{"speaker":"SPEAKER_00","startTime":230.38,"endTime":230.94,"body":"coverage."},{"speaker":"SPEAKER_00","startTime":231.10000000000002,"endTime":231.33999999999997,"body":"That"},{"speaker":"SPEAKER_00","startTime":231.33999999999997,"endTime":231.82,"body":"applies"},{"speaker":"SPEAKER_00","startTime":231.82,"endTime":231.98000000000002,"body":"if"},{"speaker":"SPEAKER_00","startTime":231.98000000000002,"endTime":232.14,"body":"the"},{"speaker":"SPEAKER_00","startTime":232.14,"endTime":232.54000000000002,"body":"government"},{"speaker":"SPEAKER_00","startTime":232.54000000000002,"endTime":233.01999999999998,"body":"officially"},{"speaker":"SPEAKER_00","startTime":233.01999999999998,"endTime":233.42000000000002,"body":"blocks"},{"speaker":"SPEAKER_00","startTime":233.42000000000002,"endTime":233.74,"body":"access"},{"speaker":"SPEAKER_00","startTime":233.74,"endTime":233.89999999999998,"body":"to"},{"speaker":"SPEAKER_00","startTime":233.89999999999998,"endTime":234.06,"body":"your"},{"speaker":"SPEAKER_00","startTime":234.06,"endTime":234.45999999999998,"body":"building"},{"speaker":"SPEAKER_00","startTime":234.45999999999998,"endTime":234.7,"body":"after"},{"speaker":"SPEAKER_00","startTime":234.7,"endTime":235.18,"body":"nearby"},{"speaker":"SPEAKER_00","startTime":235.18,"endTime":235.74,"body":"damage."},{"speaker":"SPEAKER_00","startTime":236.06,"endTime":236.3,"body":"But"},{"speaker":"SPEAKER_00","startTime":236.3,"endTime":236.45999999999998,"body":"it"},{"speaker":"SPEAKER_00","startTime":236.45999999999998,"endTime":236.7,"body":"must"},{"speaker":"SPEAKER_00","startTime":236.7,"endTime":236.86,"body":"be"},{"speaker":"SPEAKER_00","startTime":236.86,"endTime":237.01999999999998,"body":"an"},{"speaker":"SPEAKER_00","startTime":237.01999999999998,"endTime":237.5,"body":"actual"},{"speaker":"SPEAKER_00","startTime":237.5,"endTime":237.82,"body":"order,"},{"speaker":"SPEAKER_00","startTime":237.98000000000002,"endTime":238.22000000000003,"body":"not"},{"speaker":"SPEAKER_00","startTime":238.22000000000003,"endTime":238.45999999999998,"body":"just"},{"speaker":"SPEAKER_00","startTime":238.45999999999998,"endTime":238.62,"body":"an"},{"speaker":"SPEAKER_00","startTime":238.62,"endTime":239.5,"body":"inconvenience."},{"speaker":"SPEAKER_00","startTime":239.74,"endTime":240.38,"body":"Insurance"},{"speaker":"SPEAKER_00","startTime":240.38,"endTime":240.7,"body":"needs"},{"speaker":"SPEAKER_00","startTime":240.7,"endTime":240.77999999999997,"body":"a"},{"speaker":"SPEAKER_00","startTime":240.77999999999997,"endTime":241.18,"body":"trigger."},{"speaker":"SPEAKER_00","startTime":241.42000000000002,"endTime":241.98000000000002,"body":"Stress"},{"speaker":"SPEAKER_00","startTime":241.98000000000002,"endTime":242.3,"body":"is"},{"speaker":"SPEAKER_00","startTime":242.3,"endTime":242.54000000000002,"body":"not"},{"speaker":"SPEAKER_00","startTime":242.54000000000002,"endTime":242.77999999999997,"body":"a"},{"speaker":"SPEAKER_00","startTime":242.77999999999997,"endTime":243.42000000000002,"body":"trigger."},{"speaker":"SPEAKER_00","startTime":243.89999999999998,"endTime":244.3,"body":"Next"},{"speaker":"SPEAKER_00","startTime":244.3,"endTime":244.45999999999998,"body":"up,"},{"speaker":"SPEAKER_00","startTime":244.94,"endTime":245.33999999999997,"body":"tacos"},{"speaker":"SPEAKER_00","startTime":245.57999999999998,"endTime":245.82,"body":"may"},{"speaker":"SPEAKER_00","startTime":245.82,"endTime":245.98000000000002,"body":"be"},{"speaker":"SPEAKER_00","startTime":245.98000000000002,"endTime":246.7,"body":"involved."},{"speaker":"SPEAKER_00","startTime":247.01999999999998,"endTime":247.57999999999998,"body":"Round"},{"speaker":"SPEAKER_00","startTime":247.57999999999998,"endTime":248.06,"body":"four,"},{"speaker":"SPEAKER_00","startTime":248.3,"endTime":248.54000000000002,"body":"the"},{"speaker":"SPEAKER_00","startTime":248.54000000000002,"endTime":249.18,"body":"company"},{"speaker":"SPEAKER_00","startTime":249.18,"endTime":249.74,"body":"truck."},{"speaker":"SPEAKER_00","startTime":251.98000000000002,"endTime":252.3,"body":"An"},{"speaker":"SPEAKER_00","startTime":252.3,"endTime":252.86,"body":"employee"},{"speaker":"SPEAKER_00","startTime":252.86,"endTime":253.26,"body":"leaves"},{"speaker":"SPEAKER_00","startTime":253.26,"endTime":253.42000000000002,"body":"work"},{"speaker":"SPEAKER_00","startTime":253.42000000000002,"endTime":253.57999999999998,"body":"in"},{"speaker":"SPEAKER_00","startTime":253.57999999999998,"endTime":253.74,"body":"a"},{"speaker":"SPEAKER_00","startTime":253.74,"endTime":254.14,"body":"company"},{"speaker":"SPEAKER_00","startTime":254.14,"endTime":254.54000000000002,"body":"truck,"},{"speaker":"SPEAKER_00","startTime":254.77999999999997,"endTime":255.18,"body":"stops"},{"speaker":"SPEAKER_00","startTime":255.18,"endTime":255.42000000000002,"body":"for"},{"speaker":"SPEAKER_00","startTime":255.42000000000002,"endTime":255.89999999999998,"body":"tacos,"},{"speaker":"SPEAKER_00","startTime":256.22,"endTime":256.54,"body":"runs"},{"speaker":"SPEAKER_00","startTime":256.54,"endTime":256.78,"body":"a"},{"speaker":"SPEAKER_00","startTime":256.78,"endTime":257.02,"body":"red"},{"speaker":"SPEAKER_00","startTime":257.02,"endTime":257.34,"body":"light,"},{"speaker":"SPEAKER_00","startTime":257.66,"endTime":258.3,"body":"major"},{"speaker":"SPEAKER_00","startTime":258.3,"endTime":258.86,"body":"accident."},{"speaker":"SPEAKER_00","startTime":259.18,"endTime":259.5,"body":"Is"},{"speaker":"SPEAKER_00","startTime":259.5,"endTime":259.74,"body":"this"},{"speaker":"SPEAKER_00","startTime":260.06,"endTime":261.02,"body":"covered"},{"speaker":"SPEAKER_00","startTime":261.02,"endTime":261.34,"body":"or"},{"speaker":"SPEAKER_00","startTime":261.34,"endTime":261.98,"body":"denied?"},{"speaker":"SPEAKER_00","startTime":265.58,"endTime":265.9,"body":"The"},{"speaker":"SPEAKER_00","startTime":265.9,"endTime":266.54,"body":"answer's"},{"speaker":"SPEAKER_00","startTime":266.54,"endTime":267.1,"body":"covered."},{"speaker":"SPEAKER_00","startTime":267.5,"endTime":267.82,"body":"Under"},{"speaker":"SPEAKER_00","startTime":267.82,"endTime":267.98,"body":"a"},{"speaker":"SPEAKER_00","startTime":267.98,"endTime":268.54,"body":"business"},{"speaker":"SPEAKER_00","startTime":268.54,"endTime":268.94,"body":"auto"},{"speaker":"SPEAKER_00","startTime":268.94,"endTime":269.42,"body":"policy,"},{"speaker":"SPEAKER_00","startTime":269.58,"endTime":270.3,"body":"liability"},{"speaker":"SPEAKER_00","startTime":270.3,"endTime":270.78,"body":"coverage"},{"speaker":"SPEAKER_00","startTime":270.78,"endTime":271.18,"body":"usually"},{"speaker":"SPEAKER_00","startTime":271.18,"endTime":271.66,"body":"follows"},{"speaker":"SPEAKER_00","startTime":271.66,"endTime":271.74,"body":"the"},{"speaker":"SPEAKER_00","startTime":271.74,"endTime":272.38,"body":"vehicle."},{"speaker":"SPEAKER_00","startTime":272.54,"endTime":272.78,"body":"That"},{"speaker":"SPEAKER_00","startTime":272.78,"endTime":273.18,"body":"means"},{"speaker":"SPEAKER_00","startTime":273.18,"endTime":273.34,"body":"if"},{"speaker":"SPEAKER_00","startTime":273.34,"endTime":273.42,"body":"the"},{"speaker":"SPEAKER_00","startTime":273.42,"endTime":273.82,"body":"company"},{"speaker":"SPEAKER_00","startTime":273.82,"endTime":274.14,"body":"owns"},{"speaker":"SPEAKER_00","startTime":274.14,"endTime":274.3,"body":"the"},{"speaker":"SPEAKER_00","startTime":274.3,"endTime":274.62,"body":"truck,"},{"speaker":"SPEAKER_00","startTime":274.78,"endTime":275.02,"body":"the"},{"speaker":"SPEAKER_00","startTime":275.02,"endTime":275.5,"body":"policy"},{"speaker":"SPEAKER_00","startTime":275.5,"endTime":275.9,"body":"typically"},{"speaker":"SPEAKER_00","startTime":275.9,"endTime":276.3,"body":"pays"},{"speaker":"SPEAKER_00","startTime":276.3,"endTime":276.46,"body":"for"},{"speaker":"SPEAKER_00","startTime":276.46,"endTime":276.86,"body":"injuries"},{"speaker":"SPEAKER_00","startTime":276.86,"endTime":277.02,"body":"or"},{"speaker":"SPEAKER_00","startTime":277.02,"endTime":277.58,"body":"damages"},{"speaker":"SPEAKER_00","startTime":277.58,"endTime":277.74,"body":"the"},{"speaker":"SPEAKER_00","startTime":277.74,"endTime":278.22,"body":"driver"},{"speaker":"SPEAKER_00","startTime":278.22,"endTime":278.7,"body":"causes,"},{"speaker":"SPEAKER_00","startTime":279.1,"endTime":279.42,"body":"even"},{"speaker":"SPEAKER_00","startTime":279.5,"endTime":279.9,"body":"after"},{"speaker":"SPEAKER_00","startTime":279.9,"endTime":280.38,"body":"hours,"},{"speaker":"SPEAKER_00","startTime":280.54,"endTime":281.02,"body":"unless"},{"speaker":"SPEAKER_00","startTime":281.02,"endTime":281.18,"body":"a"},{"speaker":"SPEAKER_00","startTime":281.18,"endTime":281.74,"body":"specific"},{"speaker":"SPEAKER_00","startTime":281.74,"endTime":282.3,"body":"exclusion"},{"speaker":"SPEAKER_00","startTime":282.3,"endTime":282.38,"body":"is"},{"speaker":"SPEAKER_00","startTime":282.38,"endTime":282.78,"body":"written."},{"speaker":"SPEAKER_00","startTime":282.94,"endTime":283.41999999999996,"body":"Important"},{"speaker":"SPEAKER_00","startTime":283.41999999999996,"endTime":284.06,"body":"distinction:"},{"speaker":"SPEAKER_00","startTime":284.3,"endTime":284.94,"body":"coverage"},{"speaker":"SPEAKER_00","startTime":284.94,"endTime":285.18,"body":"may"},{"speaker":"SPEAKER_00","startTime":285.18,"endTime":285.58,"body":"apply,"},{"speaker":"SPEAKER_00","startTime":285.74,"endTime":285.97999999999996,"body":"but"},{"speaker":"SPEAKER_00","startTime":285.97999999999996,"endTime":286.14,"body":"your"},{"speaker":"SPEAKER_00","startTime":286.14,"endTime":286.62,"body":"premium"},{"speaker":"SPEAKER_00","startTime":286.62,"endTime":286.78,"body":"at"},{"speaker":"SPEAKER_00","startTime":286.78,"endTime":287.34,"body":"renewal"},{"speaker":"SPEAKER_00","startTime":287.34,"endTime":287.5,"body":"is"},{"speaker":"SPEAKER_00","startTime":287.5,"endTime":287.74,"body":"about"},{"speaker":"SPEAKER_00","startTime":287.74,"endTime":287.9,"body":"to"},{"speaker":"SPEAKER_00","startTime":287.9,"endTime":288.06,"body":"have"},{"speaker":"SPEAKER_00","startTime":288.06,"endTime":288.3,"body":"a"},{"speaker":"SPEAKER_00","startTime":288.3,"endTime":288.94,"body":"personality"},{"speaker":"SPEAKER_00","startTime":288.94,"endTime":289.34,"body":"change."},{"speaker":"SPEAKER_00","startTime":289.82,"endTime":290.21999999999997,"body":"Now,"},{"speaker":"SPEAKER_00","startTime":290.38,"endTime":290.62,"body":"the"},{"speaker":"SPEAKER_00","startTime":290.62,"endTime":290.78,"body":"one"},{"speaker":"SPEAKER_00","startTime":290.78,"endTime":291.02,"body":"that"},{"speaker":"SPEAKER_00","startTime":291.02,"endTime":291.5,"body":"hurts"},{"speaker":"SPEAKER_00","startTime":291.5,"endTime":292.14,"body":"feelings."},{"speaker":"SPEAKER_00","startTime":292.38,"endTime":292.53999999999996,"body":"If"},{"speaker":"SPEAKER_00","startTime":292.53999999999996,"endTime":292.86,"body":"you're"},{"speaker":"SPEAKER_00","startTime":292.86,"endTime":293.41999999999996,"body":"realizing"},{"speaker":"SPEAKER_00","startTime":293.41999999999996,"endTime":293.58,"body":"right"},{"speaker":"SPEAKER_00","startTime":293.58,"endTime":293.82,"body":"now"},{"speaker":"SPEAKER_00","startTime":293.82,"endTime":294.06,"body":"you"},{"speaker":"SPEAKER_00","startTime":294.06,"endTime":294.38,"body":"aren't"},{"speaker":"SPEAKER_00","startTime":294.38,"endTime":294.7,"body":"totally"},{"speaker":"SPEAKER_00","startTime":294.7,"endTime":295.02,"body":"sure"},{"speaker":"SPEAKER_00","startTime":295.02,"endTime":295.18,"body":"what"},{"speaker":"SPEAKER_00","startTime":295.18,"endTime":295.41999999999996,"body":"your"},{"speaker":"SPEAKER_00","startTime":295.41999999999996,"endTime":295.65999999999997,"body":"own"},{"speaker":"SPEAKER_00","startTime":295.65999999999997,"endTime":296.21999999999997,"body":"policy"},{"speaker":"SPEAKER_00","startTime":296.21999999999997,"endTime":296.53999999999996,"body":"says,"},{"speaker":"SPEAKER_00","startTime":296.78,"endTime":297.09999999999997,"body":"you"},{"speaker":"SPEAKER_00","startTime":297.09999999999997,"endTime":297.41999999999996,"body":"are"},{"speaker":"SPEAKER_00","startTime":297.41999999999996,"endTime":297.74,"body":"very"},{"speaker":"SPEAKER_00","startTime":297.74,"endTime":298.21999999999997,"body":"normal."},{"speaker":"SPEAKER_00","startTime":298.46,"endTime":298.78,"body":"Most"},{"speaker":"SPEAKER_00","startTime":298.78,"endTime":299.18,"body":"business"},{"speaker":"SPEAKER_00","startTime":299.18,"endTime":299.58,"body":"owners"},{"speaker":"SPEAKER_00","startTime":299.58,"endTime":299.82,"body":"don't"},{"speaker":"SPEAKER_00","startTime":299.82,"endTime":299.97999999999996,"body":"have"},{"speaker":"SPEAKER_00","startTime":299.97999999999996,"endTime":300.06,"body":"a"},{"speaker":"SPEAKER_00","startTime":300.06,"endTime":300.62,"body":"coverage"},{"speaker":"SPEAKER_00","startTime":300.62,"endTime":300.86,"body":"problem,"},{"speaker":"SPEAKER_00","startTime":301.02,"endTime":301.18,"body":"they"},{"speaker":"SPEAKER_00","startTime":301.26,"endTime":301.41999999999996,"body":"have"},{"speaker":"SPEAKER_00","startTime":301.41999999999996,"endTime":301.58,"body":"an"},{"speaker":"SPEAKER_00","startTime":301.58,"endTime":302.46,"body":"explanation"},{"speaker":"SPEAKER_00","startTime":302.46,"endTime":302.78,"body":"problem."},{"speaker":"SPEAKER_00","startTime":303.02,"endTime":303.74,"body":"Insurance"},{"speaker":"SPEAKER_00","startTime":303.74,"endTime":303.97999999999996,"body":"only"},{"speaker":"SPEAKER_00","startTime":303.97999999999996,"endTime":304.21999999999997,"body":"works"},{"speaker":"SPEAKER_00","startTime":304.21999999999997,"endTime":304.38,"body":"when"},{"speaker":"SPEAKER_00","startTime":304.38,"endTime":304.7,"body":"someone"},{"speaker":"SPEAKER_00","startTime":304.7,"endTime":305.26,"body":"translates"},{"speaker":"SPEAKER_00","startTime":305.26,"endTime":305.5,"body":"it"},{"speaker":"SPEAKER_00","startTime":305.5,"endTime":305.74,"body":"for"},{"speaker":"SPEAKER_00","startTime":305.74,"endTime":305.9,"body":"you"},{"speaker":"SPEAKER_00","startTime":306.06,"endTime":306.46,"body":"before"},{"speaker":"SPEAKER_00","startTime":306.46,"endTime":306.78,"body":"the"},{"speaker":"SPEAKER_00","startTime":306.78,"endTime":307.34,"body":"loss."},{"speaker":"SPEAKER_00","startTime":307.58,"endTime":308.06,"body":"Alright,"},{"speaker":"SPEAKER_00","startTime":308.14,"endTime":308.46,"body":"back"},{"speaker":"SPEAKER_00","startTime":308.46,"endTime":308.62,"body":"to"},{"speaker":"SPEAKER_00","startTime":308.62,"endTime":308.86,"body":"the"},{"speaker":"SPEAKER_00","startTime":308.86,"endTime":309.5,"body":"game."},{"speaker":"SPEAKER_00","startTime":312.62,"endTime":313.26,"body":"Round"},{"speaker":"SPEAKER_00","startTime":313.26,"endTime":313.65999999999997,"body":"five,"},{"speaker":"SPEAKER_00","startTime":313.82,"endTime":313.97999999999996,"body":"the"},{"speaker":"SPEAKER_00","startTime":314.21999999999997,"endTime":314.94,"body":"savings."},{"speaker":"SPEAKER_00","startTime":315.5,"endTime":315.74,"body":"You"},{"speaker":"SPEAKER_00","startTime":315.74,"endTime":316.21999999999997,"body":"switch"},{"speaker":"SPEAKER_00","startTime":316.21999999999997,"endTime":316.62,"body":"insurance"},{"speaker":"SPEAKER_00","startTime":316.62,"endTime":317.09999999999997,"body":"companies"},{"speaker":"SPEAKER_00","startTime":317.09999999999997,"endTime":317.26,"body":"to"},{"speaker":"SPEAKER_00","startTime":317.26,"endTime":317.5,"body":"save"},{"speaker":"SPEAKER_00","startTime":317.5,"endTime":318.62,"body":"$25,000."},{"speaker":"SPEAKER_00","startTime":319.18,"endTime":319.58,"body":"Six"},{"speaker":"SPEAKER_00","startTime":319.58,"endTime":319.9,"body":"months"},{"speaker":"SPEAKER_00","startTime":319.9,"endTime":320.14,"body":"later,"},{"speaker":"SPEAKER_00","startTime":320.21999999999997,"endTime":320.38,"body":"a"},{"speaker":"SPEAKER_00","startTime":320.38,"endTime":320.94,"body":"hurricane"},{"speaker":"SPEAKER_00","startTime":320.94,"endTime":321.34,"body":"hits."},{"speaker":"SPEAKER_00","startTime":321.58,"endTime":321.97999999999996,"body":"Water"},{"speaker":"SPEAKER_00","startTime":321.97999999999996,"endTime":322.38,"body":"rises"},{"speaker":"SPEAKER_00","startTime":322.38,"endTime":322.53999999999996,"body":"from"},{"speaker":"SPEAKER_00","startTime":322.53999999999996,"endTime":322.7,"body":"the"},{"speaker":"SPEAKER_00","startTime":322.7,"endTime":323.09999999999997,"body":"ground"},{"speaker":"SPEAKER_00","startTime":323.09999999999997,"endTime":323.34,"body":"into"},{"speaker":"SPEAKER_00","startTime":323.34,"endTime":323.41999999999996,"body":"the"},{"speaker":"SPEAKER_00","startTime":323.41999999999996,"endTime":323.9,"body":"building."},{"speaker":"SPEAKER_00","startTime":324.21999999999997,"endTime":324.53999999999996,"body":"Is"},{"speaker":"SPEAKER_00","startTime":324.53999999999996,"endTime":324.86,"body":"this"},{"speaker":"SPEAKER_00","startTime":324.86,"endTime":325.58,"body":"covered"},{"speaker":"SPEAKER_00","startTime":325.82,"endTime":326.14,"body":"or"},{"speaker":"SPEAKER_00","startTime":326.14,"endTime":327.09999999999997,"body":"denied?"},{"speaker":"SPEAKER_00","startTime":332.06,"endTime":332.78,"body":"Denied."},{"speaker":"SPEAKER_00","startTime":333.34,"endTime":333.65999999999997,"body":"This"},{"speaker":"SPEAKER_00","startTime":333.65999999999997,"endTime":333.82,"body":"one"},{"speaker":"SPEAKER_00","startTime":333.82,"endTime":334.06,"body":"comes"},{"speaker":"SPEAKER_00","startTime":334.06,"endTime":334.21999999999997,"body":"down"},{"speaker":"SPEAKER_00","startTime":334.21999999999997,"endTime":334.38,"body":"to"},{"speaker":"SPEAKER_00","startTime":334.38,"endTime":334.53999999999996,"body":"a"},{"speaker":"SPEAKER_00","startTime":334.53999999999996,"endTime":334.94,"body":"simple"},{"speaker":"SPEAKER_00","startTime":334.94,"endTime":335.58,"body":"definition."},{"speaker":"SPEAKER_00","startTime":335.82,"endTime":336.3,"body":"Flood"},{"speaker":"SPEAKER_00","startTime":336.53999999999996,"endTime":337.02,"body":"means"},{"speaker":"SPEAKER_00","startTime":337.02,"endTime":337.5,"body":"rising"},{"speaker":"SPEAKER_00","startTime":337.5,"endTime":337.9,"body":"surface"},{"speaker":"SPEAKER_00","startTime":337.9,"endTime":338.3,"body":"water"},{"speaker":"SPEAKER_00","startTime":338.3,"endTime":338.53999999999996,"body":"from"},{"speaker":"SPEAKER_00","startTime":338.53999999999996,"endTime":338.7,"body":"the"},{"speaker":"SPEAKER_00","startTime":338.7,"endTime":339.09999999999997,"body":"ground."},{"speaker":"SPEAKER_00","startTime":339.34,"endTime":339.58,"body":"And"},{"speaker":"SPEAKER_00","startTime":339.58,"endTime":340.06,"body":"flood"},{"speaker":"SPEAKER_00","startTime":340.06,"endTime":340.21999999999997,"body":"is"},{"speaker":"SPEAKER_00","startTime":340.21999999999997,"endTime":340.78,"body":"excluded"},{"speaker":"SPEAKER_00","startTime":340.78,"endTime":341.02,"body":"in"},{"speaker":"SPEAKER_00","startTime":341.02,"endTime":341.18,"body":"most"},{"speaker":"SPEAKER_00","startTime":341.18,"endTime":341.58,"body":"standard"},{"speaker":"SPEAKER_00","startTime":341.58,"endTime":342.14,"body":"commercial"},{"speaker":"SPEAKER_00","startTime":342.14,"endTime":342.53999999999996,"body":"property"},{"speaker":"SPEAKER_00","startTime":342.53999999999996,"endTime":343.09999999999997,"body":"policies,"},{"speaker":"SPEAKER_00","startTime":343.26,"endTime":343.82,"body":"unless"},{"speaker":"SPEAKER_00","startTime":343.82,"endTime":344.06,"body":"you"},{"speaker":"SPEAKER_00","startTime":344.06,"endTime":344.86,"body":"specifically"},{"speaker":"SPEAKER_00","startTime":344.86,"endTime":345.18,"body":"add"},{"speaker":"SPEAKER_00","startTime":345.18,"endTime":345.41999999999996,"body":"it"},{"speaker":"SPEAKER_00","startTime":345.41999999999996,"endTime":345.65999999999997,"body":"or"},{"speaker":"SPEAKER_00","startTime":345.65999999999997,"endTime":345.97999999999996,"body":"buy"},{"speaker":"SPEAKER_00","startTime":345.97999999999996,"endTime":346.06,"body":"a"},{"speaker":"SPEAKER_00","startTime":346.06,"endTime":346.46,"body":"separate"},{"speaker":"SPEAKER_00","startTime":346.46,"endTime":346.78,"body":"flood"},{"speaker":"SPEAKER_00","startTime":346.78,"endTime":347.26,"body":"policy."},{"speaker":"SPEAKER_00","startTime":347.5,"endTime":347.97999999999996,"body":"Same"},{"speaker":"SPEAKER_00","startTime":347.97999999999996,"endTime":348.38,"body":"building"},{"speaker":"SPEAKER_00","startTime":348.38,"endTime":348.78,"body":"limit,"},{"speaker":"SPEAKER_00","startTime":348.94,"endTime":349.34,"body":"same"},{"speaker":"SPEAKER_00","startTime":349.34,"endTime":350.06,"body":"deductible,"},{"speaker":"SPEAKER_00","startTime":350.21999999999997,"endTime":350.7,"body":"different"},{"speaker":"SPEAKER_00","startTime":350.7,"endTime":351.5,"body":"exclusions."},{"speaker":"SPEAKER_00","startTime":351.74,"endTime":351.97999999999996,"body":"The"},{"speaker":"SPEAKER_00","startTime":351.97999999999996,"endTime":352.62,"body":"exclusion"},{"speaker":"SPEAKER_00","startTime":352.62,"endTime":352.94,"body":"section"},{"speaker":"SPEAKER_00","startTime":352.94,"endTime":353.09999999999997,"body":"of"},{"speaker":"SPEAKER_00","startTime":353.09999999999997,"endTime":353.26,"body":"your"},{"speaker":"SPEAKER_00","startTime":353.26,"endTime":353.58,"body":"policy"},{"speaker":"SPEAKER_00","startTime":353.58,"endTime":353.82,"body":"is"},{"speaker":"SPEAKER_00","startTime":353.82,"endTime":353.97999999999996,"body":"where"},{"speaker":"SPEAKER_00","startTime":353.97999999999996,"endTime":354.46,"body":"coverage"},{"speaker":"SPEAKER_00","startTime":354.46,"endTime":355.02,"body":"truly"},{"speaker":"SPEAKER_00","startTime":355.02,"endTime":355.65999999999997,"body":"lives."},{"speaker":"SPEAKER_00","startTime":358.3,"endTime":359.02,"body":"Candles,"},{"speaker":"SPEAKER_00","startTime":359.18,"endTime":359.9,"body":"consequences,"},{"speaker":"SPEAKER_00","startTime":359.97999999999996,"endTime":360.21999999999997,"body":"and"},{"speaker":"SPEAKER_00","startTime":360.21999999999997,"endTime":360.38,"body":"a"},{"speaker":"SPEAKER_00","startTime":360.38,"endTime":361.09999999999997,"body":"lawsuit."},{"speaker":"SPEAKER_00","startTime":361.26,"endTime":361.74,"body":"Round"},{"speaker":"SPEAKER_00","startTime":361.74,"endTime":362.14,"body":"six,"},{"speaker":"SPEAKER_00","startTime":362.3,"endTime":362.53999999999996,"body":"the"},{"speaker":"SPEAKER_00","startTime":362.53999999999996,"endTime":363.18,"body":"tenant."},{"speaker":"SPEAKER_00","startTime":365.5,"endTime":365.74,"body":"A"},{"speaker":"SPEAKER_00","startTime":365.74,"endTime":366.14,"body":"tenant"},{"speaker":"SPEAKER_00","startTime":366.14,"endTime":366.46,"body":"leaves"},{"speaker":"SPEAKER_00","startTime":366.46,"endTime":366.53999999999996,"body":"a"},{"speaker":"SPEAKER_00","startTime":366.53999999999996,"endTime":366.94,"body":"candle"},{"speaker":"SPEAKER_00","startTime":366.94,"endTime":367.41999999999996,"body":"burning."},{"speaker":"SPEAKER_00","startTime":367.58,"endTime":368.06,"body":"Fire"},{"speaker":"SPEAKER_00","startTime":368.06,"endTime":368.62,"body":"damages"},{"speaker":"SPEAKER_00","startTime":368.62,"endTime":368.7,"body":"the"},{"speaker":"SPEAKER_00","startTime":368.7,"endTime":369.26,"body":"building."},{"speaker":"SPEAKER_00","startTime":369.41999999999996,"endTime":369.65999999999997,"body":"The"},{"speaker":"SPEAKER_00","startTime":369.65999999999997,"endTime":370.38,"body":"landlord's"},{"speaker":"SPEAKER_00","startTime":370.38,"endTime":370.86,"body":"insurance"},{"speaker":"SPEAKER_00","startTime":370.86,"endTime":371.26,"body":"pays,"},{"speaker":"SPEAKER_00","startTime":371.34,"endTime":371.5,"body":"but"},{"speaker":"SPEAKER_00","startTime":371.5,"endTime":371.65999999999997,"body":"then"},{"speaker":"SPEAKER_00","startTime":371.65999999999997,"endTime":371.82,"body":"the"},{"speaker":"SPEAKER_00","startTime":371.82,"endTime":372.21999999999997,"body":"tenant"},{"speaker":"SPEAKER_00","startTime":372.21999999999997,"endTime":372.62,"body":"receives"},{"speaker":"SPEAKER_00","startTime":372.62,"endTime":372.78,"body":"a"},{"speaker":"SPEAKER_00","startTime":372.78,"endTime":373.26,"body":"demand"},{"speaker":"SPEAKER_00","startTime":373.26,"endTime":373.65999999999997,"body":"letter."},{"speaker":"SPEAKER_00","startTime":373.9,"endTime":374.21999999999997,"body":"Is"},{"speaker":"SPEAKER_00","startTime":374.21999999999997,"endTime":374.53999999999996,"body":"this"},{"speaker":"SPEAKER_00","startTime":375.02,"endTime":375.97999999999996,"body":"covered"},{"speaker":"SPEAKER_00","startTime":375.97999999999996,"endTime":376.3,"body":"or"},{"speaker":"SPEAKER_00","startTime":376.3,"endTime":376.94,"body":"denied?"},{"speaker":"SPEAKER_00","startTime":381.5,"endTime":382.14,"body":"Covered"},{"speaker":"SPEAKER_00","startTime":382.14,"endTime":382.3,"body":"for"},{"speaker":"SPEAKER_00","startTime":382.3,"endTime":382.53999999999996,"body":"the"},{"speaker":"SPEAKER_00","startTime":382.53999999999996,"endTime":383.26,"body":"landlord."},{"speaker":"SPEAKER_00","startTime":383.5,"endTime":384.06,"body":"Big"},{"speaker":"SPEAKER_00","startTime":384.06,"endTime":384.38,"body":"problem"},{"speaker":"SPEAKER_00","startTime":384.38,"endTime":384.53999999999996,"body":"for"},{"speaker":"SPEAKER_00","startTime":384.53999999999996,"endTime":384.78,"body":"the"},{"speaker":"SPEAKER_00","startTime":384.78,"endTime":385.26,"body":"tenant."},{"speaker":"SPEAKER_00","startTime":385.41999999999996,"endTime":385.74,"body":"This"},{"speaker":"SPEAKER_00","startTime":385.74,"endTime":386.38,"body":"introduces"},{"speaker":"SPEAKER_00","startTime":386.38,"endTime":386.7,"body":"a"},{"speaker":"SPEAKER_00","startTime":386.7,"endTime":387.02,"body":"very"},{"speaker":"SPEAKER_00","startTime":387.02,"endTime":387.34,"body":"important"},{"speaker":"SPEAKER_00","startTime":387.34,"endTime":387.65999999999997,"body":"word."},{"speaker":"SPEAKER_00","startTime":388.06,"endTime":389.18,"body":"Sebrogation."},{"speaker":"SPEAKER_00","startTime":389.41999999999996,"endTime":390.3,"body":"Sebrogation"},{"speaker":"SPEAKER_00","startTime":390.3,"endTime":390.53999999999996,"body":"means"},{"speaker":"SPEAKER_00","startTime":390.53999999999996,"endTime":390.62,"body":"that"},{"speaker":"SPEAKER_00","startTime":390.62,"endTime":390.78,"body":"the"},{"speaker":"SPEAKER_00","startTime":390.78,"endTime":391.26,"body":"insurance"},{"speaker":"SPEAKER_00","startTime":391.26,"endTime":391.65999999999997,"body":"company"},{"speaker":"SPEAKER_00","startTime":391.65999999999997,"endTime":392.06,"body":"pays"},{"speaker":"SPEAKER_00","startTime":392.06,"endTime":392.21999999999997,"body":"the"},{"speaker":"SPEAKER_00","startTime":392.21999999999997,"endTime":392.7,"body":"claim"},{"speaker":"SPEAKER_00","startTime":392.86,"endTime":393.02,"body":"and"},{"speaker":"SPEAKER_00","startTime":393.02,"endTime":393.26,"body":"then"},{"speaker":"SPEAKER_00","startTime":393.26,"endTime":393.58,"body":"goes"},{"speaker":"SPEAKER_00","startTime":393.58,"endTime":393.9,"body":"after"},{"speaker":"SPEAKER_00","startTime":393.9,"endTime":394.46,"body":"whoever"},{"speaker":"SPEAKER_00","startTime":394.46,"endTime":394.78,"body":"caused"},{"speaker":"SPEAKER_00","startTime":394.78,"endTime":395.02,"body":"the"},{"speaker":"SPEAKER_00","startTime":395.02,"endTime":395.41999999999996,"body":"loss"},{"speaker":"SPEAKER_00","startTime":395.41999999999996,"endTime":395.58,"body":"to"},{"speaker":"SPEAKER_00","startTime":395.58,"endTime":395.9,"body":"recover"},{"speaker":"SPEAKER_00","startTime":395.9,"endTime":396.06,"body":"their"},{"speaker":"SPEAKER_00","startTime":396.06,"endTime":396.38,"body":"money."},{"speaker":"SPEAKER_00","startTime":396.53999999999996,"endTime":396.7,"body":"If"},{"speaker":"SPEAKER_00","startTime":396.7,"endTime":396.86,"body":"the"},{"speaker":"SPEAKER_00","startTime":396.86,"endTime":397.18,"body":"lease"},{"speaker":"SPEAKER_00","startTime":397.18,"endTime":397.34,"body":"does"},{"speaker":"SPEAKER_00","startTime":397.34,"endTime":397.5,"body":"not"},{"speaker":"SPEAKER_00","startTime":397.5,"endTime":397.82,"body":"include"},{"speaker":"SPEAKER_00","startTime":397.82,"endTime":397.97999999999996,"body":"a"},{"speaker":"SPEAKER_00","startTime":397.97999999999996,"endTime":398.3,"body":"waiver"},{"speaker":"SPEAKER_00","startTime":398.3,"endTime":398.46,"body":"of"},{"speaker":"SPEAKER_00","startTime":398.46,"endTime":399.26,"body":"subrogation,"},{"speaker":"SPEAKER_00","startTime":399.41999999999996,"endTime":399.65999999999997,"body":"the"},{"speaker":"SPEAKER_00","startTime":399.65999999999997,"endTime":399.97999999999996,"body":"tenant"},{"speaker":"SPEAKER_00","startTime":399.97999999999996,"endTime":400.14,"body":"can"},{"speaker":"SPEAKER_00","startTime":400.14,"endTime":400.3,"body":"be"},{"speaker":"SPEAKER_00","startTime":400.3,"endTime":400.86,"body":"pursued"},{"speaker":"SPEAKER_00","startTime":400.86,"endTime":401.34,"body":"legally."},{"speaker":"SPEAKER_00","startTime":401.74,"endTime":402.06,"body":"Your"},{"speaker":"SPEAKER_00","startTime":402.06,"endTime":402.46,"body":"lease"},{"speaker":"SPEAKER_00","startTime":402.46,"endTime":402.62,"body":"is"},{"speaker":"SPEAKER_00","startTime":402.62,"endTime":402.78,"body":"part"},{"speaker":"SPEAKER_00","startTime":402.78,"endTime":402.86,"body":"of"},{"speaker":"SPEAKER_00","startTime":402.86,"endTime":403.02,"body":"your"},{"speaker":"SPEAKER_00","startTime":403.02,"endTime":403.34,"body":"risk"},{"speaker":"SPEAKER_00","startTime":403.34,"endTime":403.97999999999996,"body":"management"},{"speaker":"SPEAKER_00","startTime":403.97999999999996,"endTime":404.21999999999997,"body":"program,"},{"speaker":"SPEAKER_00","startTime":404.3,"endTime":404.7,"body":"whether"},{"speaker":"SPEAKER_00","startTime":404.7,"endTime":404.94,"body":"you"},{"speaker":"SPEAKER_00","startTime":404.94,"endTime":405.41999999999996,"body":"realize"},{"speaker":"SPEAKER_00","startTime":405.41999999999996,"endTime":405.74,"body":"it"},{"speaker":"SPEAKER_00","startTime":405.74,"endTime":406.06,"body":"or"},{"speaker":"SPEAKER_00","startTime":406.06,"endTime":406.3,"body":"not."},{"speaker":"SPEAKER_00","startTime":408.38,"endTime":408.94,"body":"Cold"},{"speaker":"SPEAKER_00","startTime":408.94,"endTime":409.26,"body":"food,"},{"speaker":"SPEAKER_00","startTime":409.41999999999996,"endTime":409.9,"body":"cold"},{"speaker":"SPEAKER_00","startTime":409.9,"endTime":410.46,"body":"answer."},{"speaker":"SPEAKER_00","startTime":410.7,"endTime":411.18,"body":"Round"},{"speaker":"SPEAKER_00","startTime":411.18,"endTime":411.65999999999997,"body":"seven."},{"speaker":"SPEAKER_00","startTime":413.34,"endTime":413.74,"body":"Power"},{"speaker":"SPEAKER_00","startTime":413.74,"endTime":414.06,"body":"goes"},{"speaker":"SPEAKER_00","startTime":414.06,"endTime":414.3,"body":"out"},{"speaker":"SPEAKER_00","startTime":414.3,"endTime":414.86,"body":"overnight."},{"speaker":"SPEAKER_00","startTime":415.26,"endTime":415.58,"body":"No"},{"speaker":"SPEAKER_00","startTime":415.58,"endTime":416.06,"body":"fire,"},{"speaker":"SPEAKER_00","startTime":416.21999999999997,"endTime":416.46,"body":"no"},{"speaker":"SPEAKER_00","startTime":416.46,"endTime":417.02,"body":"lightning,"},{"speaker":"SPEAKER_00","startTime":417.18,"endTime":417.41999999999996,"body":"just"},{"speaker":"SPEAKER_00","startTime":417.41999999999996,"endTime":417.65999999999997,"body":"loss"},{"speaker":"SPEAKER_00","startTime":417.65999999999997,"endTime":417.82,"body":"of"},{"speaker":"SPEAKER_00","startTime":417.82,"endTime":418.62,"body":"electricity."},{"speaker":"SPEAKER_00","startTime":418.78,"endTime":419.09999999999997,"body":"All"},{"speaker":"SPEAKER_00","startTime":419.09999999999997,"endTime":420.06,"body":"refrigerated"},{"speaker":"SPEAKER_00","startTime":420.06,"endTime":420.7,"body":"inventory"},{"speaker":"SPEAKER_00","startTime":420.7,"endTime":421.18,"body":"spoils."},{"speaker":"SPEAKER_00","startTime":421.74,"endTime":422.46,"body":"Covered"},{"speaker":"SPEAKER_00","startTime":422.7,"endTime":423.02,"body":"or"},{"speaker":"SPEAKER_00","startTime":423.02,"endTime":423.65999999999997,"body":"denied."},{"speaker":"SPEAKER_00","startTime":428.3,"endTime":429.18,"body":"Denied."},{"speaker":"SPEAKER_00","startTime":429.97999999999996,"endTime":430.38,"body":"Most"},{"speaker":"SPEAKER_00","startTime":430.38,"endTime":430.86,"body":"property"},{"speaker":"SPEAKER_00","startTime":430.86,"endTime":431.41999999999996,"body":"policies"},{"speaker":"SPEAKER_00","startTime":431.41999999999996,"endTime":431.82,"body":"require"},{"speaker":"SPEAKER_00","startTime":431.82,"endTime":432.14,"body":"direct"},{"speaker":"SPEAKER_00","startTime":432.14,"endTime":432.53999999999996,"body":"physical"},{"speaker":"SPEAKER_00","startTime":432.53999999999996,"endTime":432.94,"body":"damage"},{"speaker":"SPEAKER_00","startTime":432.94,"endTime":433.09999999999997,"body":"to"},{"speaker":"SPEAKER_00","startTime":433.09999999999997,"endTime":433.26,"body":"your"},{"speaker":"SPEAKER_00","startTime":433.26,"endTime":433.65999999999997,"body":"building"},{"speaker":"SPEAKER_00","startTime":433.65999999999997,"endTime":433.82,"body":"to"},{"speaker":"SPEAKER_00","startTime":433.82,"endTime":434.21999999999997,"body":"trigger"},{"speaker":"SPEAKER_00","startTime":434.21999999999997,"endTime":434.62,"body":"coverage."},{"speaker":"SPEAKER_00","startTime":434.78,"endTime":435.18,"body":"Unless"},{"speaker":"SPEAKER_00","startTime":435.18,"endTime":435.34,"body":"you"},{"speaker":"SPEAKER_00","startTime":435.34,"endTime":435.82,"body":"purchased"},{"speaker":"SPEAKER_00","startTime":435.82,"endTime":436.06,"body":"a"},{"speaker":"SPEAKER_00","startTime":436.06,"endTime":436.53999999999996,"body":"utility"},{"speaker":"SPEAKER_00","startTime":436.53999999999996,"endTime":437.02,"body":"services"},{"speaker":"SPEAKER_00","startTime":437.02,"endTime":437.65999999999997,"body":"endorsement"},{"speaker":"SPEAKER_00","startTime":437.74,"endTime":437.97999999999996,"body":"or"},{"speaker":"SPEAKER_00","startTime":437.97999999999996,"endTime":438.62,"body":"spoilage"},{"speaker":"SPEAKER_00","startTime":438.62,"endTime":439.02,"body":"coverage,"},{"speaker":"SPEAKER_00","startTime":439.18,"endTime":439.41999999999996,"body":"the"},{"speaker":"SPEAKER_00","startTime":439.41999999999996,"endTime":439.9,"body":"policy"},{"speaker":"SPEAKER_00","startTime":439.9,"endTime":440.3,"body":"won't"},{"speaker":"SPEAKER_00","startTime":440.3,"endTime":440.78,"body":"respond."},{"speaker":"SPEAKER_00","startTime":441.02,"endTime":441.65999999999997,"body":"Insurance"},{"speaker":"SPEAKER_00","startTime":441.65999999999997,"endTime":442.21999999999997,"body":"covers"},{"speaker":"SPEAKER_00","startTime":442.21999999999997,"endTime":442.62,"body":"defined"},{"speaker":"SPEAKER_00","startTime":442.78,"endTime":443.26,"body":"causes"},{"speaker":"SPEAKER_00","startTime":443.26,"endTime":443.58,"body":"of"},{"speaker":"SPEAKER_00","startTime":443.58,"endTime":444.06,"body":"loss."},{"speaker":"SPEAKER_00","startTime":444.3,"endTime":444.7,"body":"Not"},{"speaker":"SPEAKER_00","startTime":444.7,"endTime":445.18,"body":"bad"},{"speaker":"SPEAKER_00","startTime":445.18,"endTime":445.82,"body":"timing."},{"speaker":"SPEAKER_00","startTime":447.9,"endTime":448.53999999999996,"body":"Final"},{"speaker":"SPEAKER_00","startTime":448.7,"endTime":449.34,"body":"round."},{"speaker":"SPEAKER_00","startTime":450.7,"endTime":451.02,"body":"An"},{"speaker":"SPEAKER_00","startTime":451.02,"endTime":451.5,"body":"older"},{"speaker":"SPEAKER_00","startTime":451.5,"endTime":451.97999999999996,"body":"building"},{"speaker":"SPEAKER_00","startTime":451.97999999999996,"endTime":452.53999999999996,"body":"burns."},{"speaker":"SPEAKER_00","startTime":452.7,"endTime":452.94,"body":"The"},{"speaker":"SPEAKER_00","startTime":452.94,"endTime":453.26,"body":"city"},{"speaker":"SPEAKER_00","startTime":453.26,"endTime":453.65999999999997,"body":"requires"},{"speaker":"SPEAKER_00","startTime":453.65999999999997,"endTime":453.82,"body":"you"},{"speaker":"SPEAKER_00","startTime":453.82,"endTime":453.97999999999996,"body":"to"},{"speaker":"SPEAKER_00","startTime":453.97999999999996,"endTime":454.38,"body":"upgrade"},{"speaker":"SPEAKER_00","startTime":454.38,"endTime":455.09999999999997,"body":"electrical,"},{"speaker":"SPEAKER_00","startTime":455.34,"endTime":455.97999999999996,"body":"ADA"},{"speaker":"SPEAKER_00","startTime":455.97999999999996,"endTime":456.46,"body":"compliance,"},{"speaker":"SPEAKER_00","startTime":456.62,"endTime":456.78,"body":"and"},{"speaker":"SPEAKER_00","startTime":456.78,"endTime":457.34,"body":"structure"},{"speaker":"SPEAKER_00","startTime":457.34,"endTime":457.5,"body":"to"},{"speaker":"SPEAKER_00","startTime":457.5,"endTime":457.74,"body":"meet"},{"speaker":"SPEAKER_00","startTime":457.74,"endTime":457.9,"body":"the"},{"speaker":"SPEAKER_00","startTime":457.9,"endTime":458.38,"body":"modern"},{"speaker":"SPEAKER_00","startTime":458.38,"endTime":458.78,"body":"code."},{"speaker":"SPEAKER_00","startTime":459.02,"endTime":459.34,"body":"Is"},{"speaker":"SPEAKER_00","startTime":459.34,"endTime":459.65999999999997,"body":"this"},{"speaker":"SPEAKER_00","startTime":460.3,"endTime":461.18,"body":"covered"},{"speaker":"SPEAKER_00","startTime":461.18,"endTime":461.5,"body":"or"},{"speaker":"SPEAKER_00","startTime":461.5,"endTime":462.14,"body":"denied?"},{"speaker":"SPEAKER_00","startTime":468.7,"endTime":469.18,"body":"Only"},{"speaker":"SPEAKER_00","startTime":469.18,"endTime":469.65999999999997,"body":"covered"},{"speaker":"SPEAKER_00","startTime":469.65999999999997,"endTime":469.82,"body":"if"},{"speaker":"SPEAKER_00","startTime":469.82,"endTime":469.97999999999996,"body":"you"},{"speaker":"SPEAKER_00","startTime":469.97999999999996,"endTime":470.38,"body":"purchased"},{"speaker":"SPEAKER_00","startTime":470.38,"endTime":470.94,"body":"ordinance"},{"speaker":"SPEAKER_00","startTime":470.94,"endTime":471.02,"body":"and"},{"speaker":"SPEAKER_00","startTime":471.02,"endTime":471.34,"body":"law"},{"speaker":"SPEAKER_00","startTime":471.34,"endTime":471.74,"body":"coverage."},{"speaker":"SPEAKER_00","startTime":471.97999999999996,"endTime":472.53999999999996,"body":"Ordnance"},{"speaker":"SPEAKER_00","startTime":472.53999999999996,"endTime":472.7,"body":"and"},{"speaker":"SPEAKER_00","startTime":472.7,"endTime":472.94,"body":"law"},{"speaker":"SPEAKER_00","startTime":472.94,"endTime":473.34,"body":"coverage"},{"speaker":"SPEAKER_00","startTime":473.34,"endTime":473.58,"body":"pays"},{"speaker":"SPEAKER_00","startTime":473.58,"endTime":473.74,"body":"the"},{"speaker":"SPEAKER_00","startTime":473.74,"endTime":474.14,"body":"increased"},{"speaker":"SPEAKER_00","startTime":474.14,"endTime":474.38,"body":"cost"},{"speaker":"SPEAKER_00","startTime":474.46,"endTime":474.62,"body":"to"},{"speaker":"SPEAKER_00","startTime":474.62,"endTime":475.02,"body":"rebuild"},{"speaker":"SPEAKER_00","startTime":475.02,"endTime":475.18,"body":"your"},{"speaker":"SPEAKER_00","startTime":475.18,"endTime":475.65999999999997,"body":"property"},{"speaker":"SPEAKER_00","startTime":475.65999999999997,"endTime":475.82,"body":"to"},{"speaker":"SPEAKER_00","startTime":475.82,"endTime":476.21999999999997,"body":"current"},{"speaker":"SPEAKER_00","startTime":476.21999999999997,"endTime":476.62,"body":"building"},{"speaker":"SPEAKER_00","startTime":476.62,"endTime":477.02,"body":"codes"},{"speaker":"SPEAKER_00","startTime":477.02,"endTime":477.34,"body":"after"},{"speaker":"SPEAKER_00","startTime":477.34,"endTime":477.5,"body":"a"},{"speaker":"SPEAKER_00","startTime":477.5,"endTime":478.06,"body":"recovered"},{"speaker":"SPEAKER_00","startTime":478.06,"endTime":478.46,"body":"loss."},{"speaker":"SPEAKER_00","startTime":478.62,"endTime":479.02,"body":"Without"},{"speaker":"SPEAKER_00","startTime":479.02,"endTime":479.18,"body":"it,"},{"speaker":"SPEAKER_00","startTime":479.34,"endTime":479.5,"body":"the"},{"speaker":"SPEAKER_00","startTime":479.5,"endTime":479.9,"body":"insurance"},{"speaker":"SPEAKER_00","startTime":479.9,"endTime":480.3,"body":"company"},{"speaker":"SPEAKER_00","startTime":480.3,"endTime":480.62,"body":"pays"},{"speaker":"SPEAKER_00","startTime":480.62,"endTime":480.78,"body":"to"},{"speaker":"SPEAKER_00","startTime":480.78,"endTime":481.26,"body":"rebuild"},{"speaker":"SPEAKER_00","startTime":481.26,"endTime":481.82,"body":"exactly"},{"speaker":"SPEAKER_00","startTime":481.82,"endTime":482.06,"body":"what"},{"speaker":"SPEAKER_00","startTime":482.06,"endTime":482.53999999999996,"body":"existed"},{"speaker":"SPEAKER_00","startTime":482.53999999999996,"endTime":483.02,"body":"before,"},{"speaker":"SPEAKER_00","startTime":483.18,"endTime":483.41999999999996,"body":"not"},{"speaker":"SPEAKER_00","startTime":483.41999999999996,"endTime":483.65999999999997,"body":"what"},{"speaker":"SPEAKER_00","startTime":483.65999999999997,"endTime":483.82,"body":"the"},{"speaker":"SPEAKER_00","startTime":483.82,"endTime":484.14,"body":"city"},{"speaker":"SPEAKER_00","startTime":484.14,"endTime":484.38,"body":"now"},{"speaker":"SPEAKER_00","startTime":484.38,"endTime":484.78,"body":"requires."},{"speaker":"SPEAKER_00","startTime":484.94,"endTime":485.26,"body":"On"},{"speaker":"SPEAKER_00","startTime":485.26,"endTime":485.58,"body":"older"},{"speaker":"SPEAKER_00","startTime":485.58,"endTime":486.06,"body":"buildings,"},{"speaker":"SPEAKER_00","startTime":486.14,"endTime":486.38,"body":"this"},{"speaker":"SPEAKER_00","startTime":486.38,"endTime":486.53999999999996,"body":"can"},{"speaker":"SPEAKER_00","startTime":486.53999999999996,"endTime":486.7,"body":"be"},{"speaker":"SPEAKER_00","startTime":486.7,"endTime":487.09999999999997,"body":"hundreds"},{"speaker":"SPEAKER_00","startTime":487.09999999999997,"endTime":487.26,"body":"of"},{"speaker":"SPEAKER_00","startTime":487.26,"endTime":487.74,"body":"thousands"},{"speaker":"SPEAKER_00","startTime":487.74,"endTime":488.06,"body":"of"},{"speaker":"SPEAKER_00","startTime":488.06,"endTime":488.7,"body":"dollars."},{"speaker":"SPEAKER_00","startTime":491.09999999999997,"endTime":491.41999999999996,"body":"Okay,"},{"speaker":"SPEAKER_00","startTime":491.65999999999997,"endTime":492.38,"body":"contestant,"},{"speaker":"SPEAKER_00","startTime":492.53999999999996,"endTime":492.94,"body":"count"},{"speaker":"SPEAKER_00","startTime":492.94,"endTime":493.09999999999997,"body":"how"},{"speaker":"SPEAKER_00","startTime":493.09999999999997,"endTime":493.34,"body":"many"},{"speaker":"SPEAKER_00","startTime":493.34,"endTime":493.58,"body":"you"},{"speaker":"SPEAKER_00","startTime":493.58,"endTime":493.82,"body":"got"},{"speaker":"SPEAKER_00","startTime":493.82,"endTime":494.06,"body":"right."},{"speaker":"SPEAKER_00","startTime":494.21999999999997,"endTime":494.46,"body":"If"},{"speaker":"SPEAKER_00","startTime":494.46,"endTime":494.62,"body":"you"},{"speaker":"SPEAKER_00","startTime":494.62,"endTime":494.86,"body":"got"},{"speaker":"SPEAKER_00","startTime":494.86,"endTime":495.18,"body":"zero"},{"speaker":"SPEAKER_00","startTime":495.18,"endTime":495.34,"body":"to"},{"speaker":"SPEAKER_00","startTime":495.34,"endTime":495.41999999999996,"body":"two"},{"speaker":"SPEAKER_00","startTime":495.74,"endTime":495.97999999999996,"body":"right,"},{"speaker":"SPEAKER_00","startTime":496.14,"endTime":496.53999999999996,"body":"you're"},{"speaker":"SPEAKER_00","startTime":496.53999999999996,"endTime":497.02,"body":"exactly"},{"speaker":"SPEAKER_00","startTime":497.02,"endTime":497.26,"body":"who"},{"speaker":"SPEAKER_00","startTime":497.26,"endTime":497.41999999999996,"body":"this"},{"speaker":"SPEAKER_00","startTime":497.41999999999996,"endTime":497.9,"body":"episode"},{"speaker":"SPEAKER_00","startTime":497.9,"endTime":498.14,"body":"was"},{"speaker":"SPEAKER_00","startTime":498.14,"endTime":498.3,"body":"for."},{"speaker":"SPEAKER_00","startTime":498.53999999999996,"endTime":498.94,"body":"Three"},{"speaker":"SPEAKER_00","startTime":498.94,"endTime":499.09999999999997,"body":"to"},{"speaker":"SPEAKER_00","startTime":499.09999999999997,"endTime":499.34,"body":"five"},{"speaker":"SPEAKER_00","startTime":499.5,"endTime":499.82,"body":"right,"},{"speaker":"SPEAKER_00","startTime":499.97999999999996,"endTime":500.3,"body":"you've"},{"speaker":"SPEAKER_00","startTime":500.3,"endTime":500.78,"body":"experienced"},{"speaker":"SPEAKER_00","startTime":500.78,"endTime":500.86,"body":"a"},{"speaker":"SPEAKER_00","startTime":500.86,"endTime":501.26,"body":"claim"},{"speaker":"SPEAKER_00","startTime":501.26,"endTime":501.74,"body":"before."},{"speaker":"SPEAKER_00","startTime":501.97999999999996,"endTime":502.38,"body":"Six"},{"speaker":"SPEAKER_00","startTime":502.38,"endTime":502.62,"body":"or"},{"speaker":"SPEAKER_00","startTime":502.62,"endTime":502.94,"body":"more?"},{"speaker":"SPEAKER_00","startTime":503.09999999999997,"endTime":503.5,"body":"Either"},{"speaker":"SPEAKER_00","startTime":503.5,"endTime":503.74,"body":"you"},{"speaker":"SPEAKER_00","startTime":503.74,"endTime":503.97999999999996,"body":"work"},{"speaker":"SPEAKER_00","startTime":503.97999999999996,"endTime":504.14,"body":"in"},{"speaker":"SPEAKER_00","startTime":504.14,"endTime":504.53999999999996,"body":"insurance"},{"speaker":"SPEAKER_00","startTime":504.62,"endTime":504.78,"body":"or"},{"speaker":"SPEAKER_00","startTime":504.78,"endTime":504.94,"body":"you"},{"speaker":"SPEAKER_00","startTime":504.94,"endTime":505.09999999999997,"body":"have"},{"speaker":"SPEAKER_00","startTime":505.09999999999997,"endTime":505.34,"body":"a"},{"speaker":"SPEAKER_00","startTime":505.34,"endTime":505.5,"body":"very"},{"speaker":"SPEAKER_00","startTime":505.5,"endTime":505.74,"body":"good"},{"speaker":"SPEAKER_00","startTime":505.74,"endTime":506.21999999999997,"body":"broker."},{"speaker":"SPEAKER_00","startTime":506.38,"endTime":506.78,"body":"Here's"},{"speaker":"SPEAKER_00","startTime":506.78,"endTime":506.94,"body":"the"},{"speaker":"SPEAKER_00","startTime":506.94,"endTime":507.09999999999997,"body":"real"},{"speaker":"SPEAKER_00","startTime":507.09999999999997,"endTime":507.41999999999996,"body":"lesson."},{"speaker":"SPEAKER_00","startTime":507.65999999999997,"endTime":508.14,"body":"Insurance"},{"speaker":"SPEAKER_00","startTime":508.14,"endTime":508.78,"body":"disasters"},{"speaker":"SPEAKER_00","startTime":508.78,"endTime":508.94,"body":"don't"},{"speaker":"SPEAKER_00","startTime":508.94,"endTime":509.18,"body":"begin"},{"speaker":"SPEAKER_00","startTime":509.18,"endTime":509.34,"body":"at"},{"speaker":"SPEAKER_00","startTime":509.34,"endTime":509.82,"body":"claim"},{"speaker":"SPEAKER_00","startTime":509.82,"endTime":510.06,"body":"time."},{"speaker":"SPEAKER_00","startTime":510.21999999999997,"endTime":510.38,"body":"They"},{"speaker":"SPEAKER_00","startTime":510.38,"endTime":510.7,"body":"begin"},{"speaker":"SPEAKER_00","startTime":510.7,"endTime":510.86,"body":"at"},{"speaker":"SPEAKER_00","startTime":510.86,"endTime":511.5,"body":"renewal."},{"speaker":"SPEAKER_00","startTime":511.65999999999997,"endTime":511.9,"body":"They"},{"speaker":"SPEAKER_00","startTime":511.9,"endTime":512.22,"body":"begin"},{"speaker":"SPEAKER_00","startTime":512.22,"endTime":512.46,"body":"when"},{"speaker":"SPEAKER_00","startTime":512.46,"endTime":512.86,"body":"someone"},{"speaker":"SPEAKER_00","startTime":512.86,"endTime":513.34,"body":"says,"},{"speaker":"SPEAKER_00","startTime":513.58,"endTime":513.9,"body":"just"},{"speaker":"SPEAKER_00","startTime":513.9,"endTime":514.22,"body":"make"},{"speaker":"SPEAKER_00","startTime":514.22,"endTime":514.46,"body":"it"},{"speaker":"SPEAKER_00","startTime":514.46,"endTime":515.1,"body":"cheaper."},{"speaker":"SPEAKER_00","startTime":515.34,"endTime":515.74,"body":"Just"},{"speaker":"SPEAKER_00","startTime":515.74,"endTime":516.14,"body":"match"},{"speaker":"SPEAKER_00","startTime":516.14,"endTime":516.3000000000001,"body":"the"},{"speaker":"SPEAKER_00","startTime":516.3000000000001,"endTime":516.86,"body":"limits."},{"speaker":"SPEAKER_00","startTime":517.02,"endTime":517.34,"body":"It's"},{"speaker":"SPEAKER_00","startTime":517.34,"endTime":517.9,"body":"basically"},{"speaker":"SPEAKER_00","startTime":517.9,"endTime":518.0600000000001,"body":"the"},{"speaker":"SPEAKER_00","startTime":518.0600000000001,"endTime":518.46,"body":"same"},{"speaker":"SPEAKER_00","startTime":518.46,"endTime":518.94,"body":"policy."},{"speaker":"SPEAKER_00","startTime":519.1800000000001,"endTime":519.66,"body":"It's"},{"speaker":"SPEAKER_00","startTime":519.66,"endTime":519.82,"body":"not"},{"speaker":"SPEAKER_00","startTime":519.82,"endTime":520.0600000000001,"body":"the"},{"speaker":"SPEAKER_00","startTime":520.0600000000001,"endTime":520.38,"body":"same"},{"speaker":"SPEAKER_00","startTime":520.38,"endTime":520.94,"body":"policy?"},{"speaker":"SPEAKER_00","startTime":521.26,"endTime":522.14,"body":"Coinsurance,"},{"speaker":"SPEAKER_00","startTime":522.3000000000001,"endTime":522.86,"body":"warranties,"},{"speaker":"SPEAKER_00","startTime":523.1800000000001,"endTime":523.98,"body":"exclusions,"},{"speaker":"SPEAKER_00","startTime":524.22,"endTime":524.94,"body":"endorsements,"},{"speaker":"SPEAKER_00","startTime":525.1800000000001,"endTime":526.0600000000001,"body":"segregation,"},{"speaker":"SPEAKER_00","startTime":526.22,"endTime":526.46,"body":"these"},{"speaker":"SPEAKER_00","startTime":526.46,"endTime":526.78,"body":"aren't"},{"speaker":"SPEAKER_00","startTime":526.78,"endTime":527.5,"body":"buzzwords."},{"speaker":"SPEAKER_00","startTime":527.66,"endTime":527.9,"body":"They"},{"speaker":"SPEAKER_00","startTime":527.9,"endTime":528.46,"body":"determine"},{"speaker":"SPEAKER_00","startTime":528.46,"endTime":528.78,"body":"whether"},{"speaker":"SPEAKER_00","startTime":528.78,"endTime":528.86,"body":"a"},{"speaker":"SPEAKER_00","startTime":528.86,"endTime":529.1800000000001,"body":"check"},{"speaker":"SPEAKER_00","startTime":529.1800000000001,"endTime":529.66,"body":"arrives"},{"speaker":"SPEAKER_00","startTime":529.66,"endTime":529.82,"body":"or"},{"speaker":"SPEAKER_00","startTime":529.82,"endTime":529.9,"body":"a"},{"speaker":"SPEAKER_00","startTime":529.9,"endTime":530.38,"body":"denial"},{"speaker":"SPEAKER_00","startTime":530.38,"endTime":530.62,"body":"letter."},{"speaker":"SPEAKER_00","startTime":530.78,"endTime":531.1,"body":"Here's"},{"speaker":"SPEAKER_00","startTime":531.1,"endTime":531.26,"body":"the"},{"speaker":"SPEAKER_00","startTime":531.26,"endTime":531.58,"body":"truth."},{"speaker":"SPEAKER_00","startTime":531.82,"endTime":532.46,"body":"Insurance"},{"speaker":"SPEAKER_00","startTime":532.46,"endTime":532.62,"body":"can"},{"speaker":"SPEAKER_00","startTime":532.62,"endTime":532.78,"body":"be"},{"speaker":"SPEAKER_00","startTime":532.78,"endTime":533.26,"body":"boring."},{"speaker":"SPEAKER_00","startTime":533.42,"endTime":533.74,"body":"Right"},{"speaker":"SPEAKER_00","startTime":533.74,"endTime":533.9,"body":"up"},{"speaker":"SPEAKER_00","startTime":533.9,"endTime":534.14,"body":"until"},{"speaker":"SPEAKER_00","startTime":534.14,"endTime":534.38,"body":"the"},{"speaker":"SPEAKER_00","startTime":534.38,"endTime":534.54,"body":"moment,"},{"speaker":"SPEAKER_00","startTime":534.62,"endTime":534.86,"body":"it's"},{"speaker":"SPEAKER_00","startTime":534.86,"endTime":535.02,"body":"the"},{"speaker":"SPEAKER_00","startTime":535.02,"endTime":535.1800000000001,"body":"only"},{"speaker":"SPEAKER_00","startTime":535.1800000000001,"endTime":535.5,"body":"thing"},{"speaker":"SPEAKER_00","startTime":535.5,"endTime":535.82,"body":"standing"},{"speaker":"SPEAKER_00","startTime":535.82,"endTime":536.22,"body":"between"},{"speaker":"SPEAKER_00","startTime":536.22,"endTime":536.46,"body":"you"},{"speaker":"SPEAKER_00","startTime":536.46,"endTime":536.62,"body":"and"},{"speaker":"SPEAKER_00","startTime":536.62,"endTime":536.86,"body":"a"},{"speaker":"SPEAKER_00","startTime":536.86,"endTime":537.26,"body":"financial"},{"speaker":"SPEAKER_00","startTime":537.26,"endTime":537.98,"body":"disaster."},{"speaker":"SPEAKER_00","startTime":538.3,"endTime":538.54,"body":"My"},{"speaker":"SPEAKER_00","startTime":538.54,"endTime":538.86,"body":"goal"},{"speaker":"SPEAKER_00","startTime":538.86,"endTime":539.02,"body":"with"},{"speaker":"SPEAKER_00","startTime":539.02,"endTime":539.18,"body":"this"},{"speaker":"SPEAKER_00","startTime":539.18,"endTime":539.5,"body":"show"},{"speaker":"SPEAKER_00","startTime":539.5,"endTime":539.74,"body":"is"},{"speaker":"SPEAKER_00","startTime":539.74,"endTime":540.14,"body":"simple."},{"speaker":"SPEAKER_00","startTime":540.38,"endTime":540.54,"body":"I"},{"speaker":"SPEAKER_00","startTime":540.54,"endTime":540.6999999999999,"body":"want"},{"speaker":"SPEAKER_00","startTime":540.6999999999999,"endTime":540.86,"body":"you"},{"speaker":"SPEAKER_00","startTime":540.86,"endTime":541.02,"body":"to"},{"speaker":"SPEAKER_00","startTime":541.02,"endTime":541.42,"body":"understand"},{"speaker":"SPEAKER_00","startTime":541.42,"endTime":541.66,"body":"what"},{"speaker":"SPEAKER_00","startTime":541.66,"endTime":541.8199999999999,"body":"you"},{"speaker":"SPEAKER_00","startTime":541.8199999999999,"endTime":542.14,"body":"actually"},{"speaker":"SPEAKER_00","startTime":542.14,"endTime":542.54,"body":"bought"},{"speaker":"SPEAKER_00","startTime":542.54,"endTime":542.86,"body":"before"},{"speaker":"SPEAKER_00","startTime":542.86,"endTime":543.02,"body":"you"},{"speaker":"SPEAKER_00","startTime":543.02,"endTime":543.34,"body":"ever"},{"speaker":"SPEAKER_00","startTime":543.34,"endTime":543.5,"body":"need"},{"speaker":"SPEAKER_00","startTime":543.5,"endTime":543.66,"body":"to"},{"speaker":"SPEAKER_00","startTime":543.66,"endTime":543.9,"body":"use"},{"speaker":"SPEAKER_00","startTime":543.9,"endTime":544.06,"body":"it."},{"speaker":"SPEAKER_00","startTime":544.22,"endTime":544.54,"body":"I'm"},{"speaker":"SPEAKER_00","startTime":544.54,"endTime":545.02,"body":"Jessica"},{"speaker":"SPEAKER_00","startTime":545.1,"endTime":545.18,"body":"and"},{"speaker":"SPEAKER_00","startTime":545.18,"endTime":545.34,"body":"this"},{"speaker":"SPEAKER_00","startTime":545.34,"endTime":545.5,"body":"is"},{"speaker":"SPEAKER_00","startTime":545.5,"endTime":546.06,"body":"Risky"},{"speaker":"SPEAKER_00","startTime":546.06,"endTime":546.54,"body":"Business."},{"speaker":"SPEAKER_00","startTime":546.78,"endTime":547.02,"body":"If"},{"speaker":"SPEAKER_00","startTime":547.02,"endTime":547.18,"body":"this"},{"speaker":"SPEAKER_00","startTime":547.18,"endTime":547.74,"body":"episode"},{"speaker":"SPEAKER_00","startTime":547.74,"endTime":548.06,"body":"helped"},{"speaker":"SPEAKER_00","startTime":548.06,"endTime":548.14,"body":"you,"},{"speaker":"SPEAKER_00","startTime":548.3,"endTime":548.62,"body":"share"},{"speaker":"SPEAKER_00","startTime":548.62,"endTime":548.6999999999999,"body":"it"},{"speaker":"SPEAKER_00","startTime":548.6999999999999,"endTime":548.86,"body":"with"},{"speaker":"SPEAKER_00","startTime":548.86,"endTime":548.9399999999999,"body":"the"},{"speaker":"SPEAKER_00","startTime":548.9399999999999,"endTime":549.18,"body":"business"},{"speaker":"SPEAKER_00","startTime":549.18,"endTime":549.58,"body":"owner"},{"speaker":"SPEAKER_00","startTime":549.58,"endTime":549.66,"body":"you"},{"speaker":"SPEAKER_00","startTime":549.66,"endTime":549.8199999999999,"body":"care"},{"speaker":"SPEAKER_00","startTime":549.8199999999999,"endTime":549.98,"body":"about,"},{"speaker":"SPEAKER_00","startTime":550.06,"endTime":550.22,"body":"and"},{"speaker":"SPEAKER_00","startTime":550.22,"endTime":550.46,"body":"I'll"},{"speaker":"SPEAKER_00","startTime":550.46,"endTime":550.62,"body":"see"},{"speaker":"SPEAKER_00","startTime":550.62,"endTime":550.78,"body":"you"},{"speaker":"SPEAKER_00","startTime":550.78,"endTime":551.18,"body":"next"},{"speaker":"SPEAKER_00","startTime":551.18,"endTime":551.8199999999999,"body":"week."}]}