{"version":"1.0.0","segments":[{"speaker":"SPEAKER_03","startTime":5.52,"endTime":6.0,"body":"You're"},{"speaker":"SPEAKER_03","startTime":6.0,"endTime":6.32,"body":"gonna"},{"speaker":"SPEAKER_03","startTime":6.48,"endTime":6.72,"body":"do"},{"speaker":"SPEAKER_03","startTime":6.72,"endTime":6.88,"body":"a"},{"speaker":"SPEAKER_03","startTime":6.88,"endTime":7.12,"body":"really"},{"speaker":"SPEAKER_03","startTime":7.12,"endTime":7.52,"body":"great"},{"speaker":"SPEAKER_03","startTime":7.52,"endTime":7.92,"body":"financial"},{"speaker":"SPEAKER_03","startTime":8.16,"endTime":8.56,"body":"future."},{"speaker":"SPEAKER_03","startTime":8.8,"endTime":9.12,"body":"Tom"},{"speaker":"SPEAKER_03","startTime":9.28,"endTime":9.44,"body":"and"},{"speaker":"SPEAKER_03","startTime":9.44,"endTime":9.76,"body":"Don"},{"speaker":"SPEAKER_03","startTime":9.76,"endTime":10.0,"body":"are"},{"speaker":"SPEAKER_03","startTime":10.0,"endTime":10.48,"body":"talking"},{"speaker":"SPEAKER_03","startTime":10.48,"endTime":10.64,"body":"real"},{"speaker":"SPEAKER_03","startTime":10.88,"endTime":11.28,"body":"money."},{"speaker":"SPEAKER_01","startTime":11.6,"endTime":11.76,"body":"You"},{"speaker":"SPEAKER_01","startTime":11.76,"endTime":11.84,"body":"know,"},{"speaker":"SPEAKER_01","startTime":11.92,"endTime":12.08,"body":"it"},{"speaker":"SPEAKER_01","startTime":12.08,"endTime":12.32,"body":"seems"},{"speaker":"SPEAKER_01","startTime":12.32,"endTime":12.48,"body":"like"},{"speaker":"SPEAKER_01","startTime":12.48,"endTime":12.72,"body":"every"},{"speaker":"SPEAKER_01","startTime":12.72,"endTime":13.12,"body":"week"},{"speaker":"SPEAKER_01","startTime":13.12,"endTime":13.28,"body":"it"},{"speaker":"SPEAKER_01","startTime":13.28,"endTime":13.52,"body":"gets"},{"speaker":"SPEAKER_01","startTime":13.52,"endTime":13.6,"body":"to"},{"speaker":"SPEAKER_01","startTime":13.6,"endTime":13.76,"body":"be"},{"speaker":"SPEAKER_01","startTime":13.76,"endTime":14.48,"body":"Friday"},{"speaker":"SPEAKER_01","startTime":14.48,"endTime":15.12,"body":"again."},{"speaker":"SPEAKER_01","startTime":15.44,"endTime":15.84,"body":"Guess"},{"speaker":"SPEAKER_01","startTime":15.84,"endTime":16.16,"body":"that's"},{"speaker":"SPEAKER_01","startTime":16.16,"endTime":16.32,"body":"just"},{"speaker":"SPEAKER_01","startTime":16.32,"endTime":16.48,"body":"the"},{"speaker":"SPEAKER_01","startTime":16.48,"endTime":16.64,"body":"way"},{"speaker":"SPEAKER_01","startTime":16.64,"endTime":16.88,"body":"it's"},{"speaker":"SPEAKER_01","startTime":16.88,"endTime":17.2,"body":"supposed"},{"speaker":"SPEAKER_01","startTime":17.2,"endTime":17.44,"body":"to"},{"speaker":"SPEAKER_01","startTime":17.44,"endTime":17.6,"body":"go."},{"speaker":"SPEAKER_01","startTime":17.76,"endTime":18.0,"body":"Hey"},{"speaker":"SPEAKER_01","startTime":18.08,"endTime":18.48,"body":"everybody,"},{"speaker":"SPEAKER_01","startTime":18.56,"endTime":18.8,"body":"welcome"},{"speaker":"SPEAKER_01","startTime":18.8,"endTime":18.88,"body":"to"},{"speaker":"SPEAKER_01","startTime":18.88,"endTime":19.04,"body":"the"},{"speaker":"SPEAKER_01","startTime":19.04,"endTime":19.6,"body":"QA"},{"speaker":"SPEAKER_01","startTime":19.6,"endTime":19.92,"body":"edition,"},{"speaker":"SPEAKER_01","startTime":20.0,"endTime":20.08,"body":"the"},{"speaker":"SPEAKER_01","startTime":20.08,"endTime":20.56,"body":"Friday"},{"speaker":"SPEAKER_01","startTime":20.56,"endTime":20.72,"body":"show."},{"speaker":"SPEAKER_01","startTime":20.8,"endTime":21.04,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":21.04,"endTime":21.28,"body":"Don"},{"speaker":"SPEAKER_01","startTime":21.28,"endTime":21.92,"body":"McDonald"},{"speaker":"SPEAKER_01","startTime":21.92,"endTime":22.08,"body":"on"},{"speaker":"SPEAKER_01","startTime":22.08,"endTime":22.48,"body":"Talking"},{"speaker":"SPEAKER_01","startTime":22.48,"endTime":22.72,"body":"Real"},{"speaker":"SPEAKER_01","startTime":22.72,"endTime":23.04,"body":"Money,"},{"speaker":"SPEAKER_01","startTime":23.2,"endTime":23.52,"body":"and"},{"speaker":"SPEAKER_01","startTime":23.52,"endTime":23.84,"body":"you're"},{"speaker":"SPEAKER_01","startTime":23.84,"endTime":24.24,"body":"listening."},{"speaker":"SPEAKER_01","startTime":24.4,"endTime":24.72,"body":"Thanks"},{"speaker":"SPEAKER_01","startTime":24.72,"endTime":24.88,"body":"for"},{"speaker":"SPEAKER_01","startTime":24.88,"endTime":25.28,"body":"doing"},{"speaker":"SPEAKER_01","startTime":25.28,"endTime":25.52,"body":"that."},{"speaker":"SPEAKER_01","startTime":25.76,"endTime":26.0,"body":"If"},{"speaker":"SPEAKER_01","startTime":26.0,"endTime":26.24,"body":"you"},{"speaker":"SPEAKER_01","startTime":26.24,"endTime":26.56,"body":"have"},{"speaker":"SPEAKER_01","startTime":26.56,"endTime":27.2,"body":"questions,"},{"speaker":"SPEAKER_01","startTime":27.52,"endTime":27.76,"body":"well,"},{"speaker":"SPEAKER_01","startTime":28.0,"endTime":28.32,"body":"we"},{"speaker":"SPEAKER_01","startTime":28.32,"endTime":28.56,"body":"like"},{"speaker":"SPEAKER_01","startTime":28.56,"endTime":29.04,"body":"answering"},{"speaker":"SPEAKER_01","startTime":29.04,"endTime":29.44,"body":"those"},{"speaker":"SPEAKER_01","startTime":29.44,"endTime":30.08,"body":"questions."},{"speaker":"SPEAKER_01","startTime":30.32,"endTime":30.64,"body":"The"},{"speaker":"SPEAKER_01","startTime":30.64,"endTime":31.12,"body":"ones"},{"speaker":"SPEAKER_01","startTime":31.12,"endTime":31.44,"body":"that"},{"speaker":"SPEAKER_01","startTime":31.44,"endTime":31.68,"body":"you"},{"speaker":"SPEAKER_01","startTime":31.68,"endTime":32.32,"body":"record"},{"speaker":"SPEAKER_01","startTime":32.64,"endTime":32.96,"body":"at"},{"speaker":"SPEAKER_01","startTime":33.12,"endTime":33.36,"body":"our"},{"speaker":"SPEAKER_01","startTime":33.36,"endTime":33.84,"body":"contact"},{"speaker":"SPEAKER_01","startTime":33.84,"endTime":34.08,"body":"form"},{"speaker":"SPEAKER_01","startTime":34.08,"endTime":34.24,"body":"at"},{"speaker":"SPEAKER_01","startTime":34.24,"endTime":35.6,"body":"talkingrealmoney.com"},{"speaker":"SPEAKER_01","startTime":35.68,"endTime":35.84,"body":"or"},{"speaker":"SPEAKER_01","startTime":35.84,"endTime":36.0,"body":"the"},{"speaker":"SPEAKER_01","startTime":36.0,"endTime":36.32,"body":"Ask"},{"speaker":"SPEAKER_01","startTime":36.32,"endTime":36.48,"body":"Us"},{"speaker":"SPEAKER_01","startTime":36.56,"endTime":36.72,"body":"a"},{"speaker":"SPEAKER_01","startTime":36.72,"endTime":37.04,"body":"Question"},{"speaker":"SPEAKER_01","startTime":37.2,"endTime":37.68,"body":"button,"},{"speaker":"SPEAKER_01","startTime":37.84,"endTime":38.4,"body":"those"},{"speaker":"SPEAKER_01","startTime":38.4,"endTime":38.64,"body":"end"},{"speaker":"SPEAKER_01","startTime":38.64,"endTime":38.8,"body":"up"},{"speaker":"SPEAKER_01","startTime":38.8,"endTime":39.04,"body":"on"},{"speaker":"SPEAKER_01","startTime":39.04,"endTime":39.2,"body":"this"},{"speaker":"SPEAKER_01","startTime":39.2,"endTime":39.84,"body":"Friday"},{"speaker":"SPEAKER_01","startTime":39.84,"endTime":40.4,"body":"podcast,"},{"speaker":"SPEAKER_01","startTime":40.56,"endTime":41.12,"body":"usually"},{"speaker":"SPEAKER_01","startTime":41.12,"endTime":41.28,"body":"a"},{"speaker":"SPEAKER_01","startTime":41.28,"endTime":41.52,"body":"couple"},{"speaker":"SPEAKER_01","startTime":41.52,"endTime":41.68,"body":"of"},{"speaker":"SPEAKER_01","startTime":41.68,"endTime":42.16,"body":"weeks"},{"speaker":"SPEAKER_01","startTime":42.16,"endTime":42.72,"body":"after"},{"speaker":"SPEAKER_01","startTime":42.72,"endTime":43.04,"body":"you"},{"speaker":"SPEAKER_01","startTime":43.04,"endTime":43.68,"body":"record"},{"speaker":"SPEAKER_01","startTime":43.76,"endTime":44.0,"body":"them"},{"speaker":"SPEAKER_01","startTime":44.0,"endTime":44.32,"body":"in"},{"speaker":"SPEAKER_01","startTime":44.32,"endTime":44.48,"body":"with"},{"speaker":"SPEAKER_01","startTime":44.48,"endTime":44.72,"body":"your"},{"speaker":"SPEAKER_01","startTime":44.72,"endTime":45.2,"body":"device."},{"speaker":"SPEAKER_01","startTime":45.36,"endTime":45.76,"body":"Either"},{"speaker":"SPEAKER_01","startTime":45.76,"endTime":45.92,"body":"your"},{"speaker":"SPEAKER_01","startTime":45.92,"endTime":46.08,"body":"phone"},{"speaker":"SPEAKER_01","startTime":46.16,"endTime":46.32,"body":"or"},{"speaker":"SPEAKER_01","startTime":46.32,"endTime":46.48,"body":"your"},{"speaker":"SPEAKER_01","startTime":46.48,"endTime":46.8,"body":"computer"},{"speaker":"SPEAKER_01","startTime":46.88,"endTime":47.04,"body":"or"},{"speaker":"SPEAKER_01","startTime":47.04,"endTime":47.36,"body":"whatever"},{"speaker":"SPEAKER_01","startTime":47.36,"endTime":47.52,"body":"it"},{"speaker":"SPEAKER_01","startTime":47.52,"endTime":47.76,"body":"might"},{"speaker":"SPEAKER_01","startTime":47.76,"endTime":47.92,"body":"be."},{"speaker":"SPEAKER_01","startTime":48.0,"endTime":48.32,"body":"And"},{"speaker":"SPEAKER_01","startTime":48.32,"endTime":48.64,"body":"even"},{"speaker":"SPEAKER_01","startTime":48.64,"endTime":48.88,"body":"if"},{"speaker":"SPEAKER_01","startTime":48.88,"endTime":49.04,"body":"the"},{"speaker":"SPEAKER_01","startTime":49.04,"endTime":49.44,"body":"quality"},{"speaker":"SPEAKER_01","startTime":49.44,"endTime":49.52,"body":"of"},{"speaker":"SPEAKER_01","startTime":49.52,"endTime":49.76,"body":"your"},{"speaker":"SPEAKER_01","startTime":49.76,"endTime":50.16,"body":"device"},{"speaker":"SPEAKER_01","startTime":50.16,"endTime":50.4,"body":"is"},{"speaker":"SPEAKER_01","startTime":50.4,"endTime":51.04,"body":"terrible,"},{"speaker":"SPEAKER_01","startTime":51.28,"endTime":51.68,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":51.68,"endTime":52.24,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":52.24,"endTime":52.56,"body":"make"},{"speaker":"SPEAKER_01","startTime":52.56,"endTime":52.88,"body":"you"},{"speaker":"SPEAKER_01","startTime":52.88,"endTime":53.52,"body":"sound"},{"speaker":"SPEAKER_01","startTime":53.52,"endTime":53.84,"body":"good."},{"speaker":"SPEAKER_01","startTime":54.32,"endTime":54.56,"body":"So"},{"speaker":"SPEAKER_01","startTime":54.8,"endTime":55.2,"body":"ask"},{"speaker":"SPEAKER_01","startTime":55.2,"endTime":55.36,"body":"your"},{"speaker":"SPEAKER_01","startTime":55.36,"endTime":55.76,"body":"questions"},{"speaker":"SPEAKER_01","startTime":55.84,"endTime":56.08,"body":"if"},{"speaker":"SPEAKER_01","startTime":56.08,"endTime":56.24,"body":"they"},{"speaker":"SPEAKER_01","startTime":56.24,"endTime":56.4,"body":"have"},{"speaker":"SPEAKER_01","startTime":56.4,"endTime":56.64,"body":"something"},{"speaker":"SPEAKER_01","startTime":56.64,"endTime":56.88,"body":"to"},{"speaker":"SPEAKER_01","startTime":56.88,"endTime":57.12,"body":"do"},{"speaker":"SPEAKER_01","startTime":57.12,"endTime":57.36,"body":"with"},{"speaker":"SPEAKER_01","startTime":57.36,"endTime":57.84,"body":"money."},{"speaker":"SPEAKER_01","startTime":58.08,"endTime":58.32,"body":"And"},{"speaker":"SPEAKER_01","startTime":58.48,"endTime":58.72,"body":"well,"},{"speaker":"SPEAKER_01","startTime":58.88,"endTime":59.12,"body":"you"},{"speaker":"SPEAKER_01","startTime":59.12,"endTime":59.28,"body":"know,"},{"speaker":"SPEAKER_01","startTime":59.52,"endTime":59.76,"body":"most"},{"speaker":"SPEAKER_01","startTime":59.76,"endTime":60.16,"body":"everything"},{"speaker":"SPEAKER_01","startTime":60.16,"endTime":60.4,"body":"we"},{"speaker":"SPEAKER_01","startTime":60.4,"endTime":60.72,"body":"do"},{"speaker":"SPEAKER_01","startTime":60.72,"endTime":61.12,"body":"does,"},{"speaker":"SPEAKER_01","startTime":61.44,"endTime":61.68,"body":"with"},{"speaker":"SPEAKER_01","startTime":61.68,"endTime":61.84,"body":"a"},{"speaker":"SPEAKER_01","startTime":61.84,"endTime":62.32,"body":"particular"},{"speaker":"SPEAKER_01","startTime":62.32,"endTime":63.04,"body":"emphasis"},{"speaker":"SPEAKER_01","startTime":63.04,"endTime":63.2,"body":"on"},{"speaker":"SPEAKER_01","startTime":63.2,"endTime":63.68,"body":"investing"},{"speaker":"SPEAKER_01","startTime":63.68,"endTime":63.92,"body":"and"},{"speaker":"SPEAKER_01","startTime":63.92,"endTime":64.24,"body":"building"},{"speaker":"SPEAKER_01","startTime":64.24,"endTime":64.4,"body":"a"},{"speaker":"SPEAKER_01","startTime":64.4,"endTime":64.64,"body":"better"},{"speaker":"SPEAKER_01","startTime":64.64,"endTime":65.2,"body":"retirement."},{"speaker":"SPEAKER_01","startTime":65.28,"endTime":65.52,"body":"But"},{"speaker":"SPEAKER_01","startTime":65.52,"endTime":65.84,"body":"money,"},{"speaker":"SPEAKER_01","startTime":66.0,"endTime":66.32,"body":"money,"},{"speaker":"SPEAKER_01","startTime":66.4,"endTime":66.64,"body":"it's"},{"speaker":"SPEAKER_01","startTime":66.64,"endTime":66.8,"body":"in"},{"speaker":"SPEAKER_01","startTime":66.8,"endTime":66.96,"body":"the"},{"speaker":"SPEAKER_01","startTime":66.96,"endTime":67.28,"body":"name."},{"speaker":"SPEAKER_01","startTime":67.44,"endTime":68.4,"body":"Talking"},{"speaker":"SPEAKER_01","startTime":68.72,"endTime":69.04,"body":"real"},{"speaker":"SPEAKER_01","startTime":69.36,"endTime":70.24,"body":"money."},{"speaker":"SPEAKER_01","startTime":70.72,"endTime":70.96,"body":"Now"},{"speaker":"SPEAKER_01","startTime":71.04,"endTime":71.36,"body":"we'll"},{"speaker":"SPEAKER_01","startTime":71.36,"endTime":71.6,"body":"talk"},{"speaker":"SPEAKER_01","startTime":71.6,"endTime":71.92,"body":"fake"},{"speaker":"SPEAKER_01","startTime":71.92,"endTime":72.08,"body":"money,"},{"speaker":"SPEAKER_01","startTime":72.16,"endTime":72.32,"body":"but"},{"speaker":"SPEAKER_01","startTime":72.32,"endTime":72.48,"body":"we're"},{"speaker":"SPEAKER_01","startTime":72.48,"endTime":72.64,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":72.64,"endTime":72.72,"body":"make"},{"speaker":"SPEAKER_01","startTime":72.72,"endTime":72.96,"body":"it"},{"speaker":"SPEAKER_01","startTime":72.96,"endTime":73.2,"body":"real."},{"speaker":"SPEAKER_01","startTime":73.28,"endTime":73.44,"body":"So"},{"speaker":"SPEAKER_01","startTime":73.6,"endTime":73.84,"body":"one"},{"speaker":"SPEAKER_01","startTime":73.84,"endTime":74.0,"body":"way"},{"speaker":"SPEAKER_01","startTime":74.0,"endTime":74.16,"body":"or"},{"speaker":"SPEAKER_01","startTime":74.16,"endTime":74.32,"body":"another,"},{"speaker":"SPEAKER_01","startTime":74.4,"endTime":74.56,"body":"it's"},{"speaker":"SPEAKER_01","startTime":74.56,"endTime":74.72,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":74.72,"endTime":74.88,"body":"end"},{"speaker":"SPEAKER_01","startTime":74.88,"endTime":75.12,"body":"up"},{"speaker":"SPEAKER_01","startTime":75.12,"endTime":75.28,"body":"real"},{"speaker":"SPEAKER_01","startTime":75.52,"endTime":76.08,"body":"money."},{"speaker":"SPEAKER_01","startTime":76.4,"endTime":76.72,"body":"And"},{"speaker":"SPEAKER_01","startTime":76.72,"endTime":77.12,"body":"again,"},{"speaker":"SPEAKER_01","startTime":77.2,"endTime":77.36,"body":"go"},{"speaker":"SPEAKER_01","startTime":77.36,"endTime":77.52,"body":"to"},{"speaker":"SPEAKER_01","startTime":77.52,"endTime":78.16,"body":"talkingreal"},{"speaker":"SPEAKER_01","startTime":78.24,"endTime":78.88,"body":"money.com"},{"speaker":"SPEAKER_01","startTime":78.88,"endTime":79.04,"body":"with"},{"speaker":"SPEAKER_01","startTime":79.04,"endTime":79.2,"body":"your"},{"speaker":"SPEAKER_01","startTime":79.2,"endTime":79.52,"body":"questions."},{"speaker":"SPEAKER_01","startTime":79.6,"endTime":79.84,"body":"You"},{"speaker":"SPEAKER_01","startTime":79.84,"endTime":80.08,"body":"can"},{"speaker":"SPEAKER_01","startTime":80.08,"endTime":80.32,"body":"also"},{"speaker":"SPEAKER_01","startTime":80.32,"endTime":80.72,"body":"call"},{"speaker":"SPEAKER_01","startTime":80.72,"endTime":80.8,"body":"us"},{"speaker":"SPEAKER_01","startTime":80.96,"endTime":81.28,"body":"too,"},{"speaker":"SPEAKER_01","startTime":81.36,"endTime":81.6,"body":"and"},{"speaker":"SPEAKER_01","startTime":81.6,"endTime":81.92,"body":"we"},{"speaker":"SPEAKER_01","startTime":81.92,"endTime":82.08,"body":"will"},{"speaker":"SPEAKER_01","startTime":82.08,"endTime":82.48,"body":"talk"},{"speaker":"SPEAKER_01","startTime":82.48,"endTime":82.8,"body":"with"},{"speaker":"SPEAKER_01","startTime":82.8,"endTime":83.12,"body":"you"},{"speaker":"SPEAKER_01","startTime":83.12,"endTime":83.44,"body":"in"},{"speaker":"SPEAKER_01","startTime":83.6,"endTime":83.76,"body":"one"},{"speaker":"SPEAKER_01","startTime":83.76,"endTime":83.92,"body":"of"},{"speaker":"SPEAKER_01","startTime":83.92,"endTime":84.08,"body":"our"},{"speaker":"SPEAKER_01","startTime":84.08,"endTime":84.32,"body":"other"},{"speaker":"SPEAKER_01","startTime":84.32,"endTime":84.96,"body":"podcasts."},{"speaker":"SPEAKER_01","startTime":85.12,"endTime":85.28,"body":"And"},{"speaker":"SPEAKER_01","startTime":85.28,"endTime":85.52,"body":"that"},{"speaker":"SPEAKER_01","startTime":85.52,"endTime":85.76,"body":"number"},{"speaker":"SPEAKER_01","startTime":85.76,"endTime":86.0,"body":"is"},{"speaker":"SPEAKER_01","startTime":86.0,"endTime":87.92,"body":"855-935"},{"speaker":"SPEAKER_01","startTime":88.0,"endTime":88.32,"body":"TALK,"},{"speaker":"SPEAKER_01","startTime":88.48,"endTime":91.12,"body":"855-935-8255."},{"speaker":"SPEAKER_01","startTime":91.2,"endTime":91.28,"body":"So"},{"speaker":"SPEAKER_01","startTime":91.36,"endTime":91.76,"body":"asking"},{"speaker":"SPEAKER_01","startTime":91.76,"endTime":92.08,"body":"your"},{"speaker":"SPEAKER_01","startTime":92.08,"endTime":92.72,"body":"questions,"},{"speaker":"SPEAKER_01","startTime":93.12,"endTime":93.6,"body":"getting"},{"speaker":"SPEAKER_01","startTime":93.6,"endTime":93.92,"body":"your"},{"speaker":"SPEAKER_01","startTime":93.92,"endTime":94.64,"body":"answers"},{"speaker":"SPEAKER_01","startTime":94.96,"endTime":95.28,"body":"is"},{"speaker":"SPEAKER_01","startTime":95.52,"endTime":96.48,"body":"incredibly"},{"speaker":"SPEAKER_01","startTime":96.48,"endTime":97.28,"body":"easy."},{"speaker":"SPEAKER_01","startTime":97.6,"endTime":97.84,"body":"And"},{"speaker":"SPEAKER_01","startTime":97.84,"endTime":98.24,"body":"those"},{"speaker":"SPEAKER_01","startTime":98.24,"endTime":98.72,"body":"questions"},{"speaker":"SPEAKER_01","startTime":98.72,"endTime":98.96,"body":"have"},{"speaker":"SPEAKER_01","startTime":98.96,"endTime":99.2,"body":"been"},{"speaker":"SPEAKER_01","startTime":99.2,"endTime":99.76,"body":"coming"},{"speaker":"SPEAKER_01","startTime":99.76,"endTime":100.08,"body":"in"},{"speaker":"SPEAKER_01","startTime":100.08,"endTime":100.4,"body":"in"},{"speaker":"SPEAKER_01","startTime":100.4,"endTime":100.64,"body":"really"},{"speaker":"SPEAKER_01","startTime":100.64,"endTime":100.96,"body":"great"},{"speaker":"SPEAKER_01","startTime":100.96,"endTime":101.52,"body":"quantities."},{"speaker":"SPEAKER_01","startTime":101.6,"endTime":101.92,"body":"Thanks"},{"speaker":"SPEAKER_01","startTime":101.92,"endTime":102.08,"body":"so"},{"speaker":"SPEAKER_01","startTime":102.08,"endTime":102.16,"body":"much."},{"speaker":"SPEAKER_01","startTime":102.32,"endTime":102.56,"body":"That"},{"speaker":"SPEAKER_01","startTime":102.56,"endTime":103.04,"body":"allows"},{"speaker":"SPEAKER_01","startTime":103.04,"endTime":103.28,"body":"us"},{"speaker":"SPEAKER_01","startTime":103.28,"endTime":103.52,"body":"to"},{"speaker":"SPEAKER_01","startTime":103.52,"endTime":103.68,"body":"have"},{"speaker":"SPEAKER_01","startTime":103.68,"endTime":104.4,"body":"another"},{"speaker":"SPEAKER_01","startTime":104.4,"endTime":105.52,"body":"multi-question,"},{"speaker":"SPEAKER_01","startTime":105.68,"endTime":105.92,"body":"like"},{"speaker":"SPEAKER_01","startTime":106.08,"endTime":106.24,"body":"I"},{"speaker":"SPEAKER_01","startTime":106.24,"endTime":106.4,"body":"think"},{"speaker":"SPEAKER_01","startTime":106.64,"endTime":107.04,"body":"six"},{"speaker":"SPEAKER_01","startTime":107.04,"endTime":107.36,"body":"today"},{"speaker":"SPEAKER_01","startTime":107.68,"endTime":108.32,"body":"question"},{"speaker":"SPEAKER_01","startTime":109.04,"endTime":109.68,"body":"Friday"},{"speaker":"SPEAKER_01","startTime":109.68,"endTime":110.16,"body":"edition"},{"speaker":"SPEAKER_01","startTime":110.16,"endTime":110.32,"body":"of"},{"speaker":"SPEAKER_01","startTime":110.32,"endTime":110.56,"body":"the"},{"speaker":"SPEAKER_01","startTime":110.56,"endTime":111.2,"body":"podcast."},{"speaker":"SPEAKER_01","startTime":111.36,"endTime":111.6,"body":"So"},{"speaker":"SPEAKER_01","startTime":111.76,"endTime":112.24,"body":"let's"},{"speaker":"SPEAKER_01","startTime":112.24,"endTime":112.4,"body":"get"},{"speaker":"SPEAKER_01","startTime":112.4,"endTime":112.64,"body":"to"},{"speaker":"SPEAKER_01","startTime":112.64,"endTime":112.88,"body":"that"},{"speaker":"SPEAKER_01","startTime":112.88,"endTime":113.12,"body":"first"},{"speaker":"SPEAKER_01","startTime":113.12,"endTime":113.44,"body":"question."},{"speaker":"SPEAKER_00","startTime":113.76,"endTime":113.92,"body":"Okay,"},{"speaker":"SPEAKER_00","startTime":114.08,"endTime":114.4,"body":"Don,"},{"speaker":"SPEAKER_00","startTime":114.48,"endTime":114.72,"body":"here's"},{"speaker":"SPEAKER_00","startTime":114.72,"endTime":114.96,"body":"another"},{"speaker":"SPEAKER_00","startTime":114.96,"endTime":115.28,"body":"question."},{"speaker":"SPEAKER_00","startTime":115.44,"endTime":115.6,"body":"This"},{"speaker":"SPEAKER_00","startTime":115.6,"endTime":115.76,"body":"one"},{"speaker":"SPEAKER_00","startTime":115.76,"endTime":115.92,"body":"is"},{"speaker":"SPEAKER_00","startTime":115.92,"endTime":116.08,"body":"about"},{"speaker":"SPEAKER_00","startTime":116.08,"endTime":116.24,"body":"the"},{"speaker":"SPEAKER_00","startTime":116.24,"endTime":116.56,"body":"Paul"},{"speaker":"SPEAKER_00","startTime":116.56,"endTime":117.12,"body":"Merriman"},{"speaker":"SPEAKER_00","startTime":117.12,"endTime":117.44,"body":"10"},{"speaker":"SPEAKER_00","startTime":117.44,"endTime":117.6,"body":"fund"},{"speaker":"SPEAKER_00","startTime":117.76,"endTime":118.16,"body":"ultimate"},{"speaker":"SPEAKER_00","startTime":118.16,"endTime":118.4,"body":"buy"},{"speaker":"SPEAKER_00","startTime":118.4,"endTime":118.64,"body":"and"},{"speaker":"SPEAKER_00","startTime":118.8,"endTime":119.28,"body":"hold"},{"speaker":"SPEAKER_00","startTime":119.28,"endTime":120.16,"body":"portfolio."},{"speaker":"SPEAKER_00","startTime":120.64,"endTime":120.96,"body":"For"},{"speaker":"SPEAKER_00","startTime":120.96,"endTime":121.44,"body":"years,"},{"speaker":"SPEAKER_00","startTime":121.6,"endTime":122.0,"body":"we've"},{"speaker":"SPEAKER_00","startTime":122.0,"endTime":122.64,"body":"invested"},{"speaker":"SPEAKER_00","startTime":122.64,"endTime":123.28,"body":"proportional"},{"speaker":"SPEAKER_00","startTime":123.28,"endTime":123.44,"body":"to"},{"speaker":"SPEAKER_00","startTime":123.44,"endTime":123.6,"body":"the"},{"speaker":"SPEAKER_00","startTime":123.6,"endTime":123.84,"body":"market"},{"speaker":"SPEAKER_00","startTime":123.92,"endTime":124.16,"body":"or"},{"speaker":"SPEAKER_00","startTime":124.16,"endTime":124.56,"body":"somewhat"},{"speaker":"SPEAKER_00","startTime":124.56,"endTime":124.8,"body":"close"},{"speaker":"SPEAKER_00","startTime":124.8,"endTime":124.96,"body":"to"},{"speaker":"SPEAKER_00","startTime":124.96,"endTime":125.12,"body":"it."},{"speaker":"SPEAKER_00","startTime":125.52,"endTime":125.76,"body":"This"},{"speaker":"SPEAKER_00","startTime":125.76,"endTime":126.16,"body":"includes"},{"speaker":"SPEAKER_00","startTime":126.16,"endTime":126.32,"body":"our"},{"speaker":"SPEAKER_00","startTime":126.32,"endTime":126.72,"body":"foreign"},{"speaker":"SPEAKER_00","startTime":126.72,"endTime":126.88,"body":"and"},{"speaker":"SPEAKER_00","startTime":126.88,"endTime":127.36,"body":"domestic"},{"speaker":"SPEAKER_00","startTime":127.36,"endTime":127.92,"body":"ratios."},{"speaker":"SPEAKER_00","startTime":128.4,"endTime":128.64,"body":"But"},{"speaker":"SPEAKER_00","startTime":128.64,"endTime":128.88,"body":"after"},{"speaker":"SPEAKER_00","startTime":128.88,"endTime":129.04,"body":"all"},{"speaker":"SPEAKER_00","startTime":129.04,"endTime":129.2,"body":"these"},{"speaker":"SPEAKER_00","startTime":129.2,"endTime":129.44,"body":"years,"},{"speaker":"SPEAKER_00","startTime":129.52,"endTime":129.68,"body":"it"},{"speaker":"SPEAKER_00","startTime":129.68,"endTime":129.92,"body":"finally"},{"speaker":"SPEAKER_00","startTime":129.92,"endTime":130.4,"body":"occurs"},{"speaker":"SPEAKER_00","startTime":130.4,"endTime":130.64,"body":"to"},{"speaker":"SPEAKER_00","startTime":130.64,"endTime":130.96,"body":"me"},{"speaker":"SPEAKER_00","startTime":131.04,"endTime":131.2,"body":"that"},{"speaker":"SPEAKER_00","startTime":131.2,"endTime":131.44,"body":"the"},{"speaker":"SPEAKER_00","startTime":131.44,"endTime":131.84,"body":"Paul"},{"speaker":"SPEAKER_00","startTime":131.84,"endTime":132.32,"body":"Merriman"},{"speaker":"SPEAKER_00","startTime":132.48,"endTime":132.88,"body":"10"},{"speaker":"SPEAKER_00","startTime":132.88,"endTime":133.04,"body":"fund,"},{"speaker":"SPEAKER_00","startTime":133.52,"endTime":133.68,"body":"which"},{"speaker":"SPEAKER_00","startTime":133.68,"endTime":133.84,"body":"is"},{"speaker":"SPEAKER_00","startTime":133.84,"endTime":134.0,"body":"what"},{"speaker":"SPEAKER_00","startTime":134.0,"endTime":134.16,"body":"we"},{"speaker":"SPEAKER_00","startTime":134.16,"endTime":134.32,"body":"are"},{"speaker":"SPEAKER_00","startTime":134.32,"endTime":134.56,"body":"thinking"},{"speaker":"SPEAKER_00","startTime":134.56,"endTime":134.72,"body":"of"},{"speaker":"SPEAKER_00","startTime":134.72,"endTime":135.36,"body":"converting"},{"speaker":"SPEAKER_00","startTime":135.36,"endTime":135.52,"body":"to,"},{"speaker":"SPEAKER_00","startTime":136.08,"endTime":136.32,"body":"is"},{"speaker":"SPEAKER_00","startTime":136.32,"endTime":136.64,"body":"very"},{"speaker":"SPEAKER_00","startTime":136.64,"endTime":136.88,"body":"far"},{"speaker":"SPEAKER_00","startTime":136.88,"endTime":137.12,"body":"from"},{"speaker":"SPEAKER_00","startTime":137.12,"endTime":137.84,"body":"representative"},{"speaker":"SPEAKER_00","startTime":137.84,"endTime":138.0,"body":"of"},{"speaker":"SPEAKER_00","startTime":138.0,"endTime":138.24,"body":"the"},{"speaker":"SPEAKER_00","startTime":138.24,"endTime":138.56,"body":"market."},{"speaker":"SPEAKER_00","startTime":139.2,"endTime":139.44,"body":"That"},{"speaker":"SPEAKER_00","startTime":139.44,"endTime":139.68,"body":"might"},{"speaker":"SPEAKER_00","startTime":139.68,"endTime":139.92,"body":"seem"},{"speaker":"SPEAKER_00","startTime":139.92,"endTime":140.08,"body":"like"},{"speaker":"SPEAKER_00","startTime":140.08,"endTime":140.16,"body":"a"},{"speaker":"SPEAKER_00","startTime":140.16,"endTime":140.56,"body":"basic"},{"speaker":"SPEAKER_00","startTime":140.56,"endTime":141.04,"body":"realization,"},{"speaker":"SPEAKER_00","startTime":141.44,"endTime":141.68,"body":"but"},{"speaker":"SPEAKER_00","startTime":141.68,"endTime":141.76,"body":"I"},{"speaker":"SPEAKER_00","startTime":141.76,"endTime":141.92,"body":"was"},{"speaker":"SPEAKER_00","startTime":141.92,"endTime":142.32,"body":"hoping"},{"speaker":"SPEAKER_00","startTime":142.32,"endTime":142.56,"body":"you"},{"speaker":"SPEAKER_00","startTime":142.56,"endTime":142.72,"body":"could"},{"speaker":"SPEAKER_00","startTime":142.72,"endTime":142.96,"body":"talk"},{"speaker":"SPEAKER_00","startTime":142.96,"endTime":143.12,"body":"a"},{"speaker":"SPEAKER_00","startTime":143.12,"endTime":143.44,"body":"little"},{"speaker":"SPEAKER_00","startTime":143.44,"endTime":143.76,"body":"bit"},{"speaker":"SPEAKER_00","startTime":143.76,"endTime":144.08,"body":"about"},{"speaker":"SPEAKER_00","startTime":144.08,"endTime":144.24,"body":"the"},{"speaker":"SPEAKER_00","startTime":144.24,"endTime":144.72,"body":"difference"},{"speaker":"SPEAKER_00","startTime":144.72,"endTime":145.12,"body":"between,"},{"speaker":"SPEAKER_00","startTime":145.2,"endTime":145.52,"body":"quote,"},{"speaker":"SPEAKER_00","startTime":145.68,"endTime":146.16,"body":"being"},{"speaker":"SPEAKER_00","startTime":146.16,"endTime":146.48,"body":"the"},{"speaker":"SPEAKER_00","startTime":146.48,"endTime":146.8,"body":"market"},{"speaker":"SPEAKER_00","startTime":147.12,"endTime":147.44,"body":"and"},{"speaker":"SPEAKER_00","startTime":147.44,"endTime":147.84,"body":"being"},{"speaker":"SPEAKER_00","startTime":147.84,"endTime":148.0,"body":"well"},{"speaker":"SPEAKER_00","startTime":148.16,"endTime":148.96,"body":"diversified."},{"speaker":"SPEAKER_00","startTime":149.44,"endTime":149.92,"body":"Since"},{"speaker":"SPEAKER_00","startTime":149.92,"endTime":150.16,"body":"these"},{"speaker":"SPEAKER_00","startTime":150.16,"endTime":150.4,"body":"two"},{"speaker":"SPEAKER_00","startTime":150.4,"endTime":150.8,"body":"things"},{"speaker":"SPEAKER_00","startTime":150.8,"endTime":151.04,"body":"seem"},{"speaker":"SPEAKER_00","startTime":151.04,"endTime":151.2,"body":"to"},{"speaker":"SPEAKER_00","startTime":151.2,"endTime":151.36,"body":"be"},{"speaker":"SPEAKER_00","startTime":151.36,"endTime":151.68,"body":"at"},{"speaker":"SPEAKER_00","startTime":151.68,"endTime":152.32,"body":"odds"},{"speaker":"SPEAKER_00","startTime":152.32,"endTime":152.64,"body":"with"},{"speaker":"SPEAKER_00","startTime":152.64,"endTime":153.2,"body":"each"},{"speaker":"SPEAKER_00","startTime":153.2,"endTime":153.36,"body":"other."},{"speaker":"SPEAKER_00","startTime":154.48,"endTime":154.88,"body":"Thanks."},{"speaker":"SPEAKER_01","startTime":155.36,"endTime":155.6,"body":"Well,"},{"speaker":"SPEAKER_01","startTime":155.84,"endTime":156.48,"body":"Paul"},{"speaker":"SPEAKER_01","startTime":156.48,"endTime":156.8,"body":"is"},{"speaker":"SPEAKER_01","startTime":156.8,"endTime":157.12,"body":"very"},{"speaker":"SPEAKER_01","startTime":157.76,"endTime":158.72,"body":"passionate"},{"speaker":"SPEAKER_01","startTime":159.04,"endTime":159.36,"body":"about"},{"speaker":"SPEAKER_01","startTime":159.68,"endTime":160.0,"body":"the"},{"speaker":"SPEAKER_01","startTime":160.0,"endTime":160.56,"body":"small"},{"speaker":"SPEAKER_01","startTime":160.56,"endTime":161.12,"body":"value"},{"speaker":"SPEAKER_01","startTime":161.12,"endTime":161.76,"body":"tilt"},{"speaker":"SPEAKER_01","startTime":162.0,"endTime":162.96,"body":"component"},{"speaker":"SPEAKER_01","startTime":162.96,"endTime":163.28,"body":"of"},{"speaker":"SPEAKER_01","startTime":163.36,"endTime":163.6,"body":"a"},{"speaker":"SPEAKER_01","startTime":163.6,"endTime":164.16,"body":"portfolio."},{"speaker":"SPEAKER_01","startTime":164.32,"endTime":164.48,"body":"Now"},{"speaker":"SPEAKER_01","startTime":164.56,"endTime":164.8,"body":"there's"},{"speaker":"SPEAKER_01","startTime":164.96,"endTime":165.44,"body":"there's"},{"speaker":"SPEAKER_01","startTime":165.44,"endTime":165.76,"body":"some"},{"speaker":"SPEAKER_01","startTime":165.76,"endTime":166.08,"body":"really"},{"speaker":"SPEAKER_01","startTime":166.24,"endTime":166.48,"body":"good"},{"speaker":"SPEAKER_01","startTime":166.48,"endTime":167.36,"body":"evidence"},{"speaker":"SPEAKER_01","startTime":167.36,"endTime":167.68,"body":"that"},{"speaker":"SPEAKER_01","startTime":167.68,"endTime":168.56,"body":"overweighting"},{"speaker":"SPEAKER_01","startTime":168.56,"endTime":168.88,"body":"small"},{"speaker":"SPEAKER_01","startTime":168.88,"endTime":169.04,"body":"cap"},{"speaker":"SPEAKER_01","startTime":169.28,"endTime":169.68,"body":"stocks"},{"speaker":"SPEAKER_01","startTime":169.68,"endTime":169.92,"body":"and"},{"speaker":"SPEAKER_01","startTime":169.92,"endTime":170.4,"body":"value"},{"speaker":"SPEAKER_01","startTime":170.4,"endTime":171.12,"body":"stocks"},{"speaker":"SPEAKER_01","startTime":171.44,"endTime":172.4,"body":"provides"},{"speaker":"SPEAKER_01","startTime":172.88,"endTime":173.2,"body":"or"},{"speaker":"SPEAKER_01","startTime":173.2,"endTime":173.52,"body":"has"},{"speaker":"SPEAKER_01","startTime":173.6,"endTime":174.08,"body":"provided,"},{"speaker":"SPEAKER_01","startTime":174.24,"endTime":174.4,"body":"we"},{"speaker":"SPEAKER_01","startTime":174.4,"endTime":174.48,"body":"have"},{"speaker":"SPEAKER_01","startTime":174.48,"endTime":174.64,"body":"to"},{"speaker":"SPEAKER_01","startTime":174.64,"endTime":174.72,"body":"be"},{"speaker":"SPEAKER_01","startTime":174.72,"endTime":174.96,"body":"very"},{"speaker":"SPEAKER_01","startTime":174.96,"endTime":175.2,"body":"careful"},{"speaker":"SPEAKER_01","startTime":175.2,"endTime":175.36,"body":"with"},{"speaker":"SPEAKER_01","startTime":175.36,"endTime":175.6,"body":"our"},{"speaker":"SPEAKER_01","startTime":175.6,"endTime":175.92,"body":"tents,"},{"speaker":"SPEAKER_01","startTime":176.56,"endTime":176.88,"body":"has"},{"speaker":"SPEAKER_01","startTime":176.88,"endTime":177.68,"body":"provided"},{"speaker":"SPEAKER_01","startTime":177.68,"endTime":178.16,"body":"better"},{"speaker":"SPEAKER_01","startTime":178.16,"endTime":178.72,"body":"returns"},{"speaker":"SPEAKER_01","startTime":178.72,"endTime":179.04,"body":"over"},{"speaker":"SPEAKER_01","startTime":179.04,"endTime":179.28,"body":"time."},{"speaker":"SPEAKER_01","startTime":179.44,"endTime":179.68,"body":"A"},{"speaker":"SPEAKER_01","startTime":179.68,"endTime":180.32,"body":"portfolio"},{"speaker":"SPEAKER_01","startTime":180.32,"endTime":180.56,"body":"over"},{"speaker":"SPEAKER_01","startTime":180.56,"endTime":180.64,"body":"a"},{"speaker":"SPEAKER_01","startTime":180.64,"endTime":180.8,"body":"hundred"},{"speaker":"SPEAKER_01","startTime":180.88,"endTime":181.04,"body":"years"},{"speaker":"SPEAKER_01","startTime":181.12,"endTime":181.28,"body":"that"},{"speaker":"SPEAKER_01","startTime":181.28,"endTime":181.44,"body":"was"},{"speaker":"SPEAKER_01","startTime":181.44,"endTime":181.68,"body":"all"},{"speaker":"SPEAKER_01","startTime":181.68,"endTime":182.16,"body":"small"},{"speaker":"SPEAKER_01","startTime":182.16,"endTime":182.48,"body":"cap"},{"speaker":"SPEAKER_01","startTime":182.72,"endTime":183.36,"body":"value,"},{"speaker":"SPEAKER_01","startTime":184.08,"endTime":184.72,"body":"made"},{"speaker":"SPEAKER_01","startTime":184.8,"endTime":185.12,"body":"uh"},{"speaker":"SPEAKER_01","startTime":185.2,"endTime":185.28,"body":"uh"},{"speaker":"SPEAKER_01","startTime":185.52,"endTime":185.84,"body":"a"},{"speaker":"SPEAKER_01","startTime":185.84,"endTime":186.16,"body":"lot"},{"speaker":"SPEAKER_01","startTime":186.16,"endTime":186.48,"body":"more"},{"speaker":"SPEAKER_01","startTime":186.48,"endTime":186.8,"body":"than"},{"speaker":"SPEAKER_01","startTime":186.8,"endTime":187.12,"body":"just"},{"speaker":"SPEAKER_01","startTime":187.12,"endTime":187.44,"body":"the"},{"speaker":"SPEAKER_01","startTime":187.44,"endTime":188.0,"body":"US"},{"speaker":"SPEAKER_01","startTime":188.0,"endTime":188.48,"body":"stock"},{"speaker":"SPEAKER_01","startTime":188.48,"endTime":188.72,"body":"market,"},{"speaker":"SPEAKER_01","startTime":188.8,"endTime":189.04,"body":"for"},{"speaker":"SPEAKER_01","startTime":189.04,"endTime":189.52,"body":"example."},{"speaker":"SPEAKER_01","startTime":189.68,"endTime":189.92,"body":"So"},{"speaker":"SPEAKER_01","startTime":190.08,"endTime":190.72,"body":"Paul"},{"speaker":"SPEAKER_01","startTime":190.72,"endTime":191.04,"body":"more"},{"speaker":"SPEAKER_01","startTime":191.04,"endTime":191.76,"body":"heavily"},{"speaker":"SPEAKER_01","startTime":191.76,"endTime":192.48,"body":"overweights"},{"speaker":"SPEAKER_01","startTime":192.48,"endTime":192.88,"body":"small"},{"speaker":"SPEAKER_01","startTime":192.88,"endTime":193.2,"body":"and"},{"speaker":"SPEAKER_01","startTime":193.2,"endTime":193.84,"body":"value"},{"speaker":"SPEAKER_01","startTime":194.16,"endTime":194.48,"body":"than"},{"speaker":"SPEAKER_01","startTime":195.04,"endTime":195.36,"body":"we"},{"speaker":"SPEAKER_01","startTime":195.36,"endTime":196.0,"body":"suggest"},{"speaker":"SPEAKER_01","startTime":196.0,"endTime":196.24,"body":"on"},{"speaker":"SPEAKER_01","startTime":196.24,"endTime":196.56,"body":"this"},{"speaker":"SPEAKER_01","startTime":196.56,"endTime":197.04,"body":"show."},{"speaker":"SPEAKER_01","startTime":197.36,"endTime":197.68,"body":"We"},{"speaker":"SPEAKER_01","startTime":197.68,"endTime":198.0,"body":"go"},{"speaker":"SPEAKER_01","startTime":198.24,"endTime":198.56,"body":"far"},{"speaker":"SPEAKER_01","startTime":198.56,"endTime":198.88,"body":"more"},{"speaker":"SPEAKER_01","startTime":198.88,"endTime":199.76,"body":"conservatively"},{"speaker":"SPEAKER_01","startTime":199.76,"endTime":200.0,"body":"here"},{"speaker":"SPEAKER_01","startTime":200.0,"endTime":200.16,"body":"than"},{"speaker":"SPEAKER_01","startTime":200.16,"endTime":200.48,"body":"Paul"},{"speaker":"SPEAKER_01","startTime":200.48,"endTime":200.72,"body":"does."},{"speaker":"SPEAKER_01","startTime":200.8,"endTime":201.04,"body":"Now,"},{"speaker":"SPEAKER_01","startTime":201.2,"endTime":201.36,"body":"we"},{"speaker":"SPEAKER_01","startTime":201.36,"endTime":201.76,"body":"don't"},{"speaker":"SPEAKER_01","startTime":201.76,"endTime":202.24,"body":"often"},{"speaker":"SPEAKER_01","startTime":202.24,"endTime":202.8,"body":"suggest"},{"speaker":"SPEAKER_01","startTime":202.8,"endTime":203.12,"body":"just"},{"speaker":"SPEAKER_01","startTime":203.12,"endTime":203.52,"body":"owning"},{"speaker":"SPEAKER_01","startTime":203.52,"endTime":203.76,"body":"the"},{"speaker":"SPEAKER_01","startTime":203.76,"endTime":204.0,"body":"market."},{"speaker":"SPEAKER_01","startTime":204.16,"endTime":204.32,"body":"We"},{"speaker":"SPEAKER_01","startTime":204.32,"endTime":204.48,"body":"want"},{"speaker":"SPEAKER_01","startTime":204.48,"endTime":204.64,"body":"you"},{"speaker":"SPEAKER_01","startTime":204.64,"endTime":204.72,"body":"to"},{"speaker":"SPEAKER_01","startTime":204.72,"endTime":204.96,"body":"own"},{"speaker":"SPEAKER_01","startTime":204.96,"endTime":205.28,"body":"something"},{"speaker":"SPEAKER_01","startTime":205.28,"endTime":205.44,"body":"that"},{"speaker":"SPEAKER_01","startTime":205.44,"endTime":206.16,"body":"resembles"},{"speaker":"SPEAKER_01","startTime":206.16,"endTime":206.48,"body":"the"},{"speaker":"SPEAKER_01","startTime":206.48,"endTime":206.8,"body":"market,"},{"speaker":"SPEAKER_01","startTime":207.04,"endTime":207.36,"body":"but"},{"speaker":"SPEAKER_01","startTime":207.36,"endTime":207.6,"body":"just"},{"speaker":"SPEAKER_01","startTime":207.6,"endTime":208.0,"body":"owning"},{"speaker":"SPEAKER_01","startTime":208.0,"endTime":208.24,"body":"the"},{"speaker":"SPEAKER_01","startTime":208.24,"endTime":208.48,"body":"market"},{"speaker":"SPEAKER_01","startTime":208.48,"endTime":208.64,"body":"is"},{"speaker":"SPEAKER_01","startTime":208.64,"endTime":208.88,"body":"still"},{"speaker":"SPEAKER_01","startTime":208.88,"endTime":209.12,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":209.12,"endTime":209.68,"body":"overweight"},{"speaker":"SPEAKER_01","startTime":209.68,"endTime":209.84,"body":"you"},{"speaker":"SPEAKER_01","startTime":209.84,"endTime":210.0,"body":"in"},{"speaker":"SPEAKER_01","startTime":210.0,"endTime":210.08,"body":"the"},{"speaker":"SPEAKER_01","startTime":210.08,"endTime":210.32,"body":"standard"},{"speaker":"SPEAKER_01","startTime":210.48,"endTime":210.64,"body":"and"},{"speaker":"SPEAKER_01","startTime":210.64,"endTime":210.96,"body":"Porsche"},{"speaker":"SPEAKER_01","startTime":211.12,"endTime":211.76,"body":"500"},{"speaker":"SPEAKER_01","startTime":212.0,"endTime":212.24,"body":"because"},{"speaker":"SPEAKER_01","startTime":212.24,"endTime":212.48,"body":"of"},{"speaker":"SPEAKER_01","startTime":212.48,"endTime":212.8,"body":"market"},{"speaker":"SPEAKER_01","startTime":212.8,"endTime":213.04,"body":"cap"},{"speaker":"SPEAKER_01","startTime":213.2,"endTime":213.76,"body":"weightings."},{"speaker":"SPEAKER_01","startTime":214.0,"endTime":214.24,"body":"So"},{"speaker":"SPEAKER_01","startTime":214.32,"endTime":214.64,"body":"we"},{"speaker":"SPEAKER_01","startTime":214.64,"endTime":214.88,"body":"want"},{"speaker":"SPEAKER_01","startTime":214.88,"endTime":215.04,"body":"to"},{"speaker":"SPEAKER_01","startTime":215.04,"endTime":215.92,"body":"overemphasize"},{"speaker":"SPEAKER_01","startTime":215.92,"endTime":216.32,"body":"small"},{"speaker":"SPEAKER_01","startTime":216.32,"endTime":216.56,"body":"in"},{"speaker":"SPEAKER_01","startTime":216.56,"endTime":216.88,"body":"value"},{"speaker":"SPEAKER_01","startTime":216.88,"endTime":217.04,"body":"a"},{"speaker":"SPEAKER_01","startTime":217.04,"endTime":217.28,"body":"little"},{"speaker":"SPEAKER_01","startTime":217.28,"endTime":217.44,"body":"bit."},{"speaker":"SPEAKER_01","startTime":217.6,"endTime":217.84,"body":"We"},{"speaker":"SPEAKER_01","startTime":217.84,"endTime":218.0,"body":"also"},{"speaker":"SPEAKER_01","startTime":218.0,"endTime":218.16,"body":"want"},{"speaker":"SPEAKER_01","startTime":218.16,"endTime":218.24,"body":"to"},{"speaker":"SPEAKER_01","startTime":218.24,"endTime":218.4,"body":"make"},{"speaker":"SPEAKER_01","startTime":218.4,"endTime":218.64,"body":"sure"},{"speaker":"SPEAKER_01","startTime":218.64,"endTime":218.88,"body":"that"},{"speaker":"SPEAKER_01","startTime":218.88,"endTime":219.04,"body":"you"},{"speaker":"SPEAKER_01","startTime":219.04,"endTime":219.28,"body":"have"},{"speaker":"SPEAKER_01","startTime":219.28,"endTime":219.52,"body":"your"},{"speaker":"SPEAKER_01","startTime":219.52,"endTime":220.16,"body":"international"},{"speaker":"SPEAKER_01","startTime":220.16,"endTime":220.8,"body":"exposure."},{"speaker":"SPEAKER_01","startTime":221.04,"endTime":221.28,"body":"Even"},{"speaker":"SPEAKER_01","startTime":221.28,"endTime":221.44,"body":"if"},{"speaker":"SPEAKER_01","startTime":221.44,"endTime":221.68,"body":"it's"},{"speaker":"SPEAKER_01","startTime":221.68,"endTime":221.84,"body":"just"},{"speaker":"SPEAKER_01","startTime":221.84,"endTime":222.24,"body":"30%,"},{"speaker":"SPEAKER_01","startTime":222.56,"endTime":222.8,"body":"I'd"},{"speaker":"SPEAKER_01","startTime":222.8,"endTime":223.04,"body":"prefer"},{"speaker":"SPEAKER_01","startTime":223.04,"endTime":223.2,"body":"to"},{"speaker":"SPEAKER_01","startTime":223.2,"endTime":223.36,"body":"see"},{"speaker":"SPEAKER_01","startTime":223.36,"endTime":223.52,"body":"a"},{"speaker":"SPEAKER_01","startTime":223.52,"endTime":223.84,"body":"little"},{"speaker":"SPEAKER_01","startTime":223.84,"endTime":224.16,"body":"more."},{"speaker":"SPEAKER_01","startTime":224.32,"endTime":224.48,"body":"Uh,"},{"speaker":"SPEAKER_01","startTime":224.64,"endTime":224.96,"body":"but"},{"speaker":"SPEAKER_01","startTime":224.96,"endTime":225.12,"body":"we"},{"speaker":"SPEAKER_01","startTime":225.12,"endTime":225.52,"body":"don't"},{"speaker":"SPEAKER_01","startTime":225.52,"endTime":225.68,"body":"go"},{"speaker":"SPEAKER_01","startTime":225.68,"endTime":225.92,"body":"as"},{"speaker":"SPEAKER_01","startTime":225.92,"endTime":226.16,"body":"far"},{"speaker":"SPEAKER_01","startTime":226.16,"endTime":226.32,"body":"as"},{"speaker":"SPEAKER_01","startTime":226.32,"endTime":226.88,"body":"Paul's"},{"speaker":"SPEAKER_01","startTime":226.88,"endTime":227.52,"body":"portfolio"},{"speaker":"SPEAKER_01","startTime":227.76,"endTime":228.08,"body":"because"},{"speaker":"SPEAKER_01","startTime":228.08,"endTime":228.32,"body":"we"},{"speaker":"SPEAKER_01","startTime":228.32,"endTime":228.72,"body":"believe"},{"speaker":"SPEAKER_01","startTime":228.72,"endTime":228.8,"body":"a"},{"speaker":"SPEAKER_01","startTime":228.8,"endTime":229.12,"body":"couple"},{"speaker":"SPEAKER_01","startTime":229.12,"endTime":229.2,"body":"of"},{"speaker":"SPEAKER_01","startTime":229.2,"endTime":229.44,"body":"things."},{"speaker":"SPEAKER_01","startTime":229.6,"endTime":230.0,"body":"One,"},{"speaker":"SPEAKER_01","startTime":230.24,"endTime":230.56,"body":"for"},{"speaker":"SPEAKER_01","startTime":230.56,"endTime":230.88,"body":"most"},{"speaker":"SPEAKER_01","startTime":230.88,"endTime":231.2,"body":"people,"},{"speaker":"SPEAKER_01","startTime":231.44,"endTime":231.68,"body":"and"},{"speaker":"SPEAKER_01","startTime":231.68,"endTime":231.92,"body":"we're"},{"speaker":"SPEAKER_01","startTime":231.92,"endTime":232.24,"body":"talking"},{"speaker":"SPEAKER_01","startTime":232.24,"endTime":232.48,"body":"about"},{"speaker":"SPEAKER_01","startTime":232.48,"endTime":232.64,"body":"his"},{"speaker":"SPEAKER_01","startTime":232.64,"endTime":233.28,"body":"equity"},{"speaker":"SPEAKER_01","startTime":233.28,"endTime":233.84,"body":"portfolio."},{"speaker":"SPEAKER_01","startTime":233.92,"endTime":234.08,"body":"This"},{"speaker":"SPEAKER_01","startTime":234.08,"endTime":234.32,"body":"is"},{"speaker":"SPEAKER_01","startTime":234.32,"endTime":234.56,"body":"not"},{"speaker":"SPEAKER_01","startTime":234.56,"endTime":234.88,"body":"with"},{"speaker":"SPEAKER_01","startTime":234.88,"endTime":235.52,"body":"bonds."},{"speaker":"SPEAKER_01","startTime":235.76,"endTime":236.0,"body":"Uh"},{"speaker":"SPEAKER_01","startTime":236.48,"endTime":236.8,"body":"for"},{"speaker":"SPEAKER_01","startTime":236.8,"endTime":237.12,"body":"most"},{"speaker":"SPEAKER_01","startTime":237.12,"endTime":237.44,"body":"people,"},{"speaker":"SPEAKER_01","startTime":237.52,"endTime":238.08,"body":"it's"},{"speaker":"SPEAKER_01","startTime":238.08,"endTime":238.4,"body":"one,"},{"speaker":"SPEAKER_01","startTime":238.72,"endTime":239.12,"body":"too"},{"speaker":"SPEAKER_01","startTime":239.12,"endTime":240.16,"body":"aggressive"},{"speaker":"SPEAKER_01","startTime":240.48,"endTime":240.8,"body":"and"},{"speaker":"SPEAKER_01","startTime":240.8,"endTime":241.12,"body":"two,"},{"speaker":"SPEAKER_01","startTime":241.92,"endTime":242.24,"body":"really"},{"speaker":"SPEAKER_01","startTime":242.24,"endTime":242.64,"body":"hard"},{"speaker":"SPEAKER_01","startTime":242.64,"endTime":242.8,"body":"to"},{"speaker":"SPEAKER_01","startTime":242.8,"endTime":243.12,"body":"manage"},{"speaker":"SPEAKER_01","startTime":243.28,"endTime":243.44,"body":"because"},{"speaker":"SPEAKER_01","startTime":243.44,"endTime":243.76,"body":"you're"},{"speaker":"SPEAKER_01","startTime":243.76,"endTime":244.64,"body":"rebalancing"},{"speaker":"SPEAKER_01","startTime":244.64,"endTime":244.88,"body":"all"},{"speaker":"SPEAKER_01","startTime":244.88,"endTime":245.2,"body":"of"},{"speaker":"SPEAKER_01","startTime":245.2,"endTime":245.52,"body":"these"},{"speaker":"SPEAKER_01","startTime":245.52,"endTime":246.08,"body":"10"},{"speaker":"SPEAKER_01","startTime":246.08,"endTime":246.64,"body":"asset"},{"speaker":"SPEAKER_01","startTime":246.64,"endTime":247.44,"body":"classes"},{"speaker":"SPEAKER_01","startTime":247.44,"endTime":247.76,"body":"all"},{"speaker":"SPEAKER_01","startTime":247.76,"endTime":248.08,"body":"the"},{"speaker":"SPEAKER_01","startTime":248.08,"endTime":248.4,"body":"time."},{"speaker":"SPEAKER_01","startTime":248.88,"endTime":249.2,"body":"So"},{"speaker":"SPEAKER_01","startTime":249.68,"endTime":250.24,"body":"it's"},{"speaker":"SPEAKER_01","startTime":250.4,"endTime":250.88,"body":"it's"},{"speaker":"SPEAKER_01","startTime":250.88,"endTime":251.2,"body":"not"},{"speaker":"SPEAKER_01","startTime":251.2,"endTime":251.68,"body":"something"},{"speaker":"SPEAKER_01","startTime":251.68,"endTime":252.0,"body":"that"},{"speaker":"SPEAKER_01","startTime":252.0,"endTime":252.32,"body":"we"},{"speaker":"SPEAKER_01","startTime":252.32,"endTime":252.64,"body":"are"},{"speaker":"SPEAKER_01","startTime":252.64,"endTime":253.44,"body":"advocating,"},{"speaker":"SPEAKER_01","startTime":253.52,"endTime":253.68,"body":"but"},{"speaker":"SPEAKER_01","startTime":253.68,"endTime":253.92,"body":"it's"},{"speaker":"SPEAKER_01","startTime":253.92,"endTime":254.08,"body":"not"},{"speaker":"SPEAKER_01","startTime":254.08,"endTime":254.32,"body":"something"},{"speaker":"SPEAKER_01","startTime":254.32,"endTime":254.56,"body":"we're"},{"speaker":"SPEAKER_01","startTime":254.56,"endTime":255.04,"body":"opposed"},{"speaker":"SPEAKER_01","startTime":255.04,"endTime":255.28,"body":"to"},{"speaker":"SPEAKER_01","startTime":255.28,"endTime":255.68,"body":"either."},{"speaker":"SPEAKER_01","startTime":255.84,"endTime":256.08,"body":"We"},{"speaker":"SPEAKER_01","startTime":256.08,"endTime":256.24,"body":"think"},{"speaker":"SPEAKER_01","startTime":256.24,"endTime":256.4,"body":"it's"},{"speaker":"SPEAKER_01","startTime":256.4,"endTime":256.64,"body":"a"},{"speaker":"SPEAKER_01","startTime":256.64,"endTime":256.88,"body":"it's"},{"speaker":"SPEAKER_01","startTime":256.88,"endTime":256.96,"body":"a"},{"speaker":"SPEAKER_01","startTime":256.96,"endTime":257.36,"body":"great"},{"speaker":"SPEAKER_01","startTime":257.36,"endTime":257.52,"body":"way"},{"speaker":"SPEAKER_01","startTime":257.52,"endTime":257.6,"body":"to"},{"speaker":"SPEAKER_01","startTime":257.6,"endTime":257.84,"body":"do"},{"speaker":"SPEAKER_01","startTime":257.84,"endTime":258.0,"body":"it"},{"speaker":"SPEAKER_01","startTime":258.0,"endTime":258.16,"body":"if"},{"speaker":"SPEAKER_01","startTime":258.16,"endTime":258.32,"body":"you"},{"speaker":"SPEAKER_01","startTime":258.32,"endTime":258.56,"body":"don't"},{"speaker":"SPEAKER_01","startTime":258.56,"endTime":258.8,"body":"mind"},{"speaker":"SPEAKER_01","startTime":258.8,"endTime":259.12,"body":"the"},{"speaker":"SPEAKER_01","startTime":259.12,"endTime":259.44,"body":"work"},{"speaker":"SPEAKER_01","startTime":259.76,"endTime":260.08,"body":"and"},{"speaker":"SPEAKER_01","startTime":260.08,"endTime":260.32,"body":"you"},{"speaker":"SPEAKER_01","startTime":260.32,"endTime":260.72,"body":"don't"},{"speaker":"SPEAKER_01","startTime":260.72,"endTime":261.04,"body":"mind"},{"speaker":"SPEAKER_01","startTime":261.28,"endTime":261.52,"body":"the"},{"speaker":"SPEAKER_01","startTime":261.52,"endTime":262.32,"body":"higher"},{"speaker":"SPEAKER_01","startTime":262.32,"endTime":263.2,"body":"degree"},{"speaker":"SPEAKER_01","startTime":263.52,"endTime":263.84,"body":"of"},{"speaker":"SPEAKER_01","startTime":264.72,"endTime":265.36,"body":"risk,"},{"speaker":"SPEAKER_01","startTime":265.6,"endTime":265.92,"body":"because"},{"speaker":"SPEAKER_01","startTime":265.92,"endTime":266.24,"body":"there"},{"speaker":"SPEAKER_01","startTime":266.24,"endTime":266.56,"body":"will"},{"speaker":"SPEAKER_01","startTime":266.56,"endTime":266.8,"body":"be"},{"speaker":"SPEAKER_01","startTime":266.8,"endTime":267.04,"body":"more"},{"speaker":"SPEAKER_01","startTime":267.04,"endTime":267.36,"body":"risk."},{"speaker":"SPEAKER_01","startTime":267.52,"endTime":267.84,"body":"That's"},{"speaker":"SPEAKER_01","startTime":267.84,"endTime":268.16,"body":"why"},{"speaker":"SPEAKER_01","startTime":268.16,"endTime":268.48,"body":"small"},{"speaker":"SPEAKER_01","startTime":268.48,"endTime":268.72,"body":"cap"},{"speaker":"SPEAKER_01","startTime":268.8,"endTime":268.96,"body":"and"},{"speaker":"SPEAKER_01","startTime":268.96,"endTime":269.36,"body":"value"},{"speaker":"SPEAKER_01","startTime":269.36,"endTime":270.16,"body":"outperform"},{"speaker":"SPEAKER_01","startTime":270.16,"endTime":270.72,"body":"large"},{"speaker":"SPEAKER_01","startTime":270.72,"endTime":270.96,"body":"and"},{"speaker":"SPEAKER_01","startTime":270.96,"endTime":271.52,"body":"growth,"},{"speaker":"SPEAKER_01","startTime":271.76,"endTime":272.08,"body":"because"},{"speaker":"SPEAKER_01","startTime":272.56,"endTime":273.12,"body":"value"},{"speaker":"SPEAKER_01","startTime":273.12,"endTime":273.6,"body":"stocks"},{"speaker":"SPEAKER_01","startTime":273.6,"endTime":273.76,"body":"tend"},{"speaker":"SPEAKER_01","startTime":273.76,"endTime":273.92,"body":"to"},{"speaker":"SPEAKER_01","startTime":273.92,"endTime":274.16,"body":"be"},{"speaker":"SPEAKER_01","startTime":274.16,"endTime":275.04,"body":"undervalued"},{"speaker":"SPEAKER_01","startTime":275.04,"endTime":275.44,"body":"assets,"},{"speaker":"SPEAKER_01","startTime":275.6,"endTime":276.0,"body":"therefore,"},{"speaker":"SPEAKER_01","startTime":276.08,"endTime":276.56,"body":"companies"},{"speaker":"SPEAKER_01","startTime":276.56,"endTime":276.72,"body":"that"},{"speaker":"SPEAKER_01","startTime":276.72,"endTime":276.96,"body":"have"},{"speaker":"SPEAKER_01","startTime":276.96,"endTime":277.2,"body":"had"},{"speaker":"SPEAKER_01","startTime":277.2,"endTime":277.52,"body":"some"},{"speaker":"SPEAKER_01","startTime":277.52,"endTime":278.16,"body":"problems,"},{"speaker":"SPEAKER_01","startTime":278.72,"endTime":278.96,"body":"or"},{"speaker":"SPEAKER_01","startTime":279.12,"endTime":279.44,"body":"uh"},{"speaker":"SPEAKER_01","startTime":280.08,"endTime":280.96,"body":"companies"},{"speaker":"SPEAKER_01","startTime":280.96,"endTime":281.12,"body":"that"},{"speaker":"SPEAKER_01","startTime":281.2,"endTime":281.52,"body":"uh"},{"speaker":"SPEAKER_01","startTime":281.68,"endTime":282.0,"body":"that"},{"speaker":"SPEAKER_01","startTime":282.24,"endTime":282.4,"body":"you"},{"speaker":"SPEAKER_01","startTime":282.4,"endTime":282.48,"body":"know"},{"speaker":"SPEAKER_01","startTime":282.72,"endTime":282.96,"body":"have"},{"speaker":"SPEAKER_01","startTime":282.96,"endTime":283.36,"body":"fallen"},{"speaker":"SPEAKER_01","startTime":283.36,"endTime":283.6,"body":"from"},{"speaker":"SPEAKER_01","startTime":283.6,"endTime":284.0,"body":"grace"},{"speaker":"SPEAKER_01","startTime":284.0,"endTime":284.16,"body":"for"},{"speaker":"SPEAKER_01","startTime":284.16,"endTime":284.4,"body":"a"},{"speaker":"SPEAKER_01","startTime":284.4,"endTime":284.8,"body":"while."},{"speaker":"SPEAKER_01","startTime":284.96,"endTime":285.28,"body":"And"},{"speaker":"SPEAKER_01","startTime":285.28,"endTime":285.6,"body":"small"},{"speaker":"SPEAKER_01","startTime":285.6,"endTime":286.08,"body":"companies,"},{"speaker":"SPEAKER_01","startTime":286.16,"endTime":286.32,"body":"well,"},{"speaker":"SPEAKER_01","startTime":286.4,"endTime":286.64,"body":"they're"},{"speaker":"SPEAKER_01","startTime":286.64,"endTime":286.8,"body":"the"},{"speaker":"SPEAKER_01","startTime":286.8,"endTime":287.36,"body":"upstarts,"},{"speaker":"SPEAKER_01","startTime":287.52,"endTime":287.76,"body":"and"},{"speaker":"SPEAKER_01","startTime":287.76,"endTime":288.08,"body":"many"},{"speaker":"SPEAKER_01","startTime":288.08,"endTime":288.24,"body":"of"},{"speaker":"SPEAKER_01","startTime":288.24,"endTime":288.48,"body":"those"},{"speaker":"SPEAKER_01","startTime":288.48,"endTime":288.88,"body":"fail."},{"speaker":"SPEAKER_01","startTime":288.96,"endTime":289.12,"body":"So"},{"speaker":"SPEAKER_01","startTime":289.2,"endTime":289.36,"body":"it"},{"speaker":"SPEAKER_01","startTime":289.36,"endTime":289.6,"body":"takes"},{"speaker":"SPEAKER_01","startTime":289.6,"endTime":289.68,"body":"a"},{"speaker":"SPEAKER_01","startTime":289.68,"endTime":290.0,"body":"strong"},{"speaker":"SPEAKER_01","startTime":290.0,"endTime":290.56,"body":"stomach"},{"speaker":"SPEAKER_01","startTime":290.56,"endTime":290.64,"body":"to"},{"speaker":"SPEAKER_01","startTime":290.64,"endTime":290.8,"body":"be"},{"speaker":"SPEAKER_01","startTime":290.8,"endTime":290.96,"body":"in"},{"speaker":"SPEAKER_01","startTime":290.96,"endTime":291.2,"body":"both"},{"speaker":"SPEAKER_01","startTime":291.2,"endTime":291.28,"body":"of"},{"speaker":"SPEAKER_01","startTime":291.28,"endTime":291.52,"body":"those"},{"speaker":"SPEAKER_01","startTime":291.52,"endTime":291.92,"body":"asset"},{"speaker":"SPEAKER_01","startTime":291.92,"endTime":292.56,"body":"classes"},{"speaker":"SPEAKER_01","startTime":292.56,"endTime":292.72,"body":"on"},{"speaker":"SPEAKER_01","startTime":292.72,"endTime":292.96,"body":"a"},{"speaker":"SPEAKER_01","startTime":292.96,"endTime":293.12,"body":"really"},{"speaker":"SPEAKER_01","startTime":293.12,"endTime":293.44,"body":"high"},{"speaker":"SPEAKER_01","startTime":293.44,"endTime":293.68,"body":"level."},{"speaker":"SPEAKER_01","startTime":293.84,"endTime":294.24,"body":"That's"},{"speaker":"SPEAKER_01","startTime":294.24,"endTime":294.72,"body":"why"},{"speaker":"SPEAKER_01","startTime":294.72,"endTime":295.04,"body":"we"},{"speaker":"SPEAKER_01","startTime":295.04,"endTime":295.2,"body":"like"},{"speaker":"SPEAKER_01","startTime":295.2,"endTime":295.44,"body":"to"},{"speaker":"SPEAKER_01","startTime":295.44,"endTime":295.84,"body":"suggest"},{"speaker":"SPEAKER_01","startTime":295.84,"endTime":296.24,"body":"things"},{"speaker":"SPEAKER_01","startTime":296.24,"endTime":296.48,"body":"like"},{"speaker":"SPEAKER_01","startTime":296.48,"endTime":297.44,"body":"AVGE,"},{"speaker":"SPEAKER_01","startTime":297.52,"endTime":297.76,"body":"which"},{"speaker":"SPEAKER_01","startTime":297.76,"endTime":298.08,"body":"kind"},{"speaker":"SPEAKER_01","startTime":298.08,"endTime":298.24,"body":"of"},{"speaker":"SPEAKER_01","startTime":298.24,"endTime":298.96,"body":"accomplishes"},{"speaker":"SPEAKER_01","startTime":298.96,"endTime":299.52,"body":"something"},{"speaker":"SPEAKER_01","startTime":299.52,"endTime":300.4,"body":"similar,"},{"speaker":"SPEAKER_01","startTime":300.96,"endTime":301.28,"body":"but"},{"speaker":"SPEAKER_01","startTime":301.28,"endTime":301.6,"body":"with"},{"speaker":"SPEAKER_01","startTime":301.6,"endTime":301.92,"body":"a"},{"speaker":"SPEAKER_01","startTime":301.92,"endTime":302.16,"body":"little"},{"speaker":"SPEAKER_01","startTime":302.16,"endTime":302.48,"body":"less"},{"speaker":"SPEAKER_01","startTime":302.48,"endTime":303.44,"body":"craziness,"},{"speaker":"SPEAKER_01","startTime":303.76,"endTime":304.08,"body":"or"},{"speaker":"SPEAKER_01","startTime":304.08,"endTime":304.96,"body":"DFAW,"},{"speaker":"SPEAKER_01","startTime":305.04,"endTime":305.2,"body":"the"},{"speaker":"SPEAKER_01","startTime":305.2,"endTime":305.76,"body":"dimensional"},{"speaker":"SPEAKER_01","startTime":305.76,"endTime":306.16,"body":"funds"},{"speaker":"SPEAKER_01","startTime":306.16,"endTime":306.32,"body":"version"},{"speaker":"SPEAKER_01","startTime":306.32,"endTime":306.4,"body":"of"},{"speaker":"SPEAKER_01","startTime":306.4,"endTime":306.56,"body":"a"},{"speaker":"SPEAKER_01","startTime":306.56,"endTime":306.88,"body":"total"},{"speaker":"SPEAKER_01","startTime":306.88,"endTime":306.96,"body":"market,"},{"speaker":"SPEAKER_01","startTime":307.28,"endTime":307.6,"body":"total"},{"speaker":"SPEAKER_01","startTime":307.6,"endTime":307.92,"body":"global"},{"speaker":"SPEAKER_01","startTime":307.92,"endTime":308.08,"body":"market"},{"speaker":"SPEAKER_01","startTime":308.24,"endTime":308.4,"body":"fund,"},{"speaker":"SPEAKER_01","startTime":308.72,"endTime":308.96,"body":"which"},{"speaker":"SPEAKER_01","startTime":308.96,"endTime":309.2,"body":"again"},{"speaker":"SPEAKER_01","startTime":309.36,"endTime":310.08,"body":"emphasizes"},{"speaker":"SPEAKER_01","startTime":310.08,"endTime":310.4,"body":"small"},{"speaker":"SPEAKER_01","startTime":310.4,"endTime":310.64,"body":"cap"},{"speaker":"SPEAKER_01","startTime":310.72,"endTime":310.88,"body":"and"},{"speaker":"SPEAKER_01","startTime":310.88,"endTime":311.12,"body":"value,"},{"speaker":"SPEAKER_01","startTime":311.2,"endTime":311.36,"body":"but"},{"speaker":"SPEAKER_01","startTime":311.36,"endTime":311.52,"body":"not"},{"speaker":"SPEAKER_01","startTime":311.52,"endTime":311.68,"body":"to"},{"speaker":"SPEAKER_01","startTime":311.68,"endTime":311.84,"body":"the"},{"speaker":"SPEAKER_01","startTime":311.84,"endTime":312.08,"body":"same"},{"speaker":"SPEAKER_01","startTime":312.08,"endTime":312.56,"body":"extent."},{"speaker":"SPEAKER_01","startTime":312.8,"endTime":313.12,"body":"So"},{"speaker":"SPEAKER_01","startTime":313.36,"endTime":313.6,"body":"uh"},{"speaker":"SPEAKER_01","startTime":313.84,"endTime":314.16,"body":"we"},{"speaker":"SPEAKER_01","startTime":314.16,"endTime":314.48,"body":"like"},{"speaker":"SPEAKER_01","startTime":314.48,"endTime":314.88,"body":"Paul,"},{"speaker":"SPEAKER_01","startTime":314.96,"endTime":315.28,"body":"we"},{"speaker":"SPEAKER_01","startTime":315.28,"endTime":315.52,"body":"like"},{"speaker":"SPEAKER_01","startTime":315.52,"endTime":315.68,"body":"his"},{"speaker":"SPEAKER_01","startTime":315.68,"endTime":316.16,"body":"teachings,"},{"speaker":"SPEAKER_01","startTime":316.32,"endTime":316.48,"body":"we"},{"speaker":"SPEAKER_01","startTime":316.48,"endTime":316.72,"body":"just"},{"speaker":"SPEAKER_01","startTime":316.72,"endTime":316.88,"body":"think"},{"speaker":"SPEAKER_01","startTime":316.88,"endTime":317.12,"body":"it's"},{"speaker":"SPEAKER_01","startTime":317.12,"endTime":317.52,"body":"too"},{"speaker":"SPEAKER_01","startTime":317.52,"endTime":317.76,"body":"hard,"},{"speaker":"SPEAKER_01","startTime":317.92,"endTime":318.24,"body":"and"},{"speaker":"SPEAKER_01","startTime":318.24,"endTime":318.48,"body":"we"},{"speaker":"SPEAKER_01","startTime":318.48,"endTime":318.8,"body":"don't"},{"speaker":"SPEAKER_01","startTime":318.8,"endTime":319.28,"body":"suggest"},{"speaker":"SPEAKER_01","startTime":319.28,"endTime":319.44,"body":"it"},{"speaker":"SPEAKER_01","startTime":319.44,"endTime":319.68,"body":"to"},{"speaker":"SPEAKER_01","startTime":319.68,"endTime":319.84,"body":"most"},{"speaker":"SPEAKER_01","startTime":319.84,"endTime":320.16,"body":"of"},{"speaker":"SPEAKER_01","startTime":320.16,"endTime":320.48,"body":"our"},{"speaker":"SPEAKER_01","startTime":320.48,"endTime":320.8,"body":"people."},{"speaker":"SPEAKER_01","startTime":321.12,"endTime":321.36,"body":"Now"},{"speaker":"SPEAKER_01","startTime":321.44,"endTime":321.76,"body":"let's"},{"speaker":"SPEAKER_01","startTime":321.76,"endTime":322.08,"body":"grab"},{"speaker":"SPEAKER_01","startTime":322.08,"endTime":322.24,"body":"our"},{"speaker":"SPEAKER_01","startTime":322.24,"endTime":322.48,"body":"next"},{"speaker":"SPEAKER_01","startTime":322.48,"endTime":322.64,"body":"question."},{"speaker":"SPEAKER_05","startTime":323.04,"endTime":323.12,"body":"Hi,"},{"speaker":"SPEAKER_05","startTime":323.28,"endTime":323.6,"body":"Don."},{"speaker":"SPEAKER_05","startTime":323.68,"endTime":323.76,"body":"This"},{"speaker":"SPEAKER_05","startTime":323.76,"endTime":323.92,"body":"is"},{"speaker":"SPEAKER_05","startTime":323.92,"endTime":324.32,"body":"Jim"},{"speaker":"SPEAKER_05","startTime":324.32,"endTime":324.48,"body":"in"},{"speaker":"SPEAKER_05","startTime":324.48,"endTime":325.44,"body":"Cincinnati."},{"speaker":"SPEAKER_05","startTime":325.68,"endTime":326.0,"body":"Was"},{"speaker":"SPEAKER_05","startTime":326.0,"endTime":326.24,"body":"that"},{"speaker":"SPEAKER_05","startTime":326.24,"endTime":326.48,"body":"your"},{"speaker":"SPEAKER_05","startTime":326.48,"endTime":326.8,"body":"voice"},{"speaker":"SPEAKER_05","startTime":326.88,"endTime":327.12,"body":"I"},{"speaker":"SPEAKER_05","startTime":327.12,"endTime":327.44,"body":"heard"},{"speaker":"SPEAKER_05","startTime":327.44,"endTime":327.68,"body":"on"},{"speaker":"SPEAKER_05","startTime":327.68,"endTime":327.84,"body":"some"},{"speaker":"SPEAKER_05","startTime":327.84,"endTime":328.0,"body":"of"},{"speaker":"SPEAKER_05","startTime":328.0,"endTime":328.24,"body":"the"},{"speaker":"SPEAKER_05","startTime":328.24,"endTime":328.64,"body":"ads"},{"speaker":"SPEAKER_05","startTime":328.64,"endTime":328.8,"body":"for"},{"speaker":"SPEAKER_05","startTime":328.8,"endTime":329.04,"body":"the"},{"speaker":"SPEAKER_05","startTime":329.04,"endTime":329.44,"body":"special"},{"speaker":"SPEAKER_05","startTime":329.44,"endTime":330.4,"body":"exhibit"},{"speaker":"SPEAKER_05","startTime":330.72,"endTime":331.68,"body":"Auschwitz"},{"speaker":"SPEAKER_05","startTime":331.76,"endTime":331.92,"body":"not"},{"speaker":"SPEAKER_05","startTime":331.92,"endTime":332.16,"body":"long"},{"speaker":"SPEAKER_05","startTime":332.16,"endTime":332.48,"body":"ago,"},{"speaker":"SPEAKER_05","startTime":332.56,"endTime":332.88,"body":"not"},{"speaker":"SPEAKER_05","startTime":332.88,"endTime":333.12,"body":"far"},{"speaker":"SPEAKER_05","startTime":333.12,"endTime":333.44,"body":"away,"},{"speaker":"SPEAKER_05","startTime":333.52,"endTime":333.68,"body":"at"},{"speaker":"SPEAKER_05","startTime":333.68,"endTime":333.84,"body":"the"},{"speaker":"SPEAKER_05","startTime":333.84,"endTime":334.64,"body":"Cincinnati"},{"speaker":"SPEAKER_05","startTime":334.64,"endTime":335.2,"body":"Museum"},{"speaker":"SPEAKER_05","startTime":335.2,"endTime":335.84,"body":"Center?"},{"speaker":"SPEAKER_05","startTime":336.4,"endTime":336.88,"body":"If"},{"speaker":"SPEAKER_05","startTime":336.88,"endTime":337.2,"body":"it"},{"speaker":"SPEAKER_05","startTime":337.2,"endTime":337.52,"body":"was,"},{"speaker":"SPEAKER_05","startTime":338.4,"endTime":338.72,"body":"you"},{"speaker":"SPEAKER_05","startTime":338.72,"endTime":338.96,"body":"should"},{"speaker":"SPEAKER_05","startTime":338.96,"endTime":339.12,"body":"be"},{"speaker":"SPEAKER_05","startTime":339.12,"endTime":339.44,"body":"proud"},{"speaker":"SPEAKER_05","startTime":339.44,"endTime":339.68,"body":"to"},{"speaker":"SPEAKER_05","startTime":339.68,"endTime":339.92,"body":"be"},{"speaker":"SPEAKER_05","startTime":339.92,"endTime":340.56,"body":"associated"},{"speaker":"SPEAKER_05","startTime":340.56,"endTime":340.8,"body":"with"},{"speaker":"SPEAKER_05","startTime":340.8,"endTime":340.96,"body":"it"},{"speaker":"SPEAKER_05","startTime":340.96,"endTime":341.28,"body":"in"},{"speaker":"SPEAKER_05","startTime":341.28,"endTime":341.6,"body":"any"},{"speaker":"SPEAKER_05","startTime":341.6,"endTime":341.84,"body":"way."},{"speaker":"SPEAKER_05","startTime":342.0,"endTime":342.48,"body":"It's"},{"speaker":"SPEAKER_05","startTime":342.48,"endTime":342.72,"body":"an"},{"speaker":"SPEAKER_05","startTime":342.72,"endTime":343.36,"body":"extremely"},{"speaker":"SPEAKER_05","startTime":343.36,"endTime":343.52,"body":"well"},{"speaker":"SPEAKER_05","startTime":343.6,"endTime":344.0,"body":"done"},{"speaker":"SPEAKER_05","startTime":344.0,"endTime":344.24,"body":"and"},{"speaker":"SPEAKER_05","startTime":344.24,"endTime":344.4,"body":"an"},{"speaker":"SPEAKER_05","startTime":344.4,"endTime":345.28,"body":"extremely"},{"speaker":"SPEAKER_05","startTime":345.28,"endTime":345.6,"body":"important"},{"speaker":"SPEAKER_05","startTime":345.84,"endTime":346.32,"body":"exhibit."},{"speaker":"SPEAKER_01","startTime":346.88,"endTime":347.12,"body":"Wow."},{"speaker":"SPEAKER_01","startTime":347.44,"endTime":347.76,"body":"You've"},{"speaker":"SPEAKER_01","startTime":347.92,"endTime":348.24,"body":"outed"},{"speaker":"SPEAKER_01","startTime":348.48,"endTime":348.64,"body":"me."},{"speaker":"SPEAKER_01","startTime":348.88,"endTime":349.04,"body":"Uh"},{"speaker":"SPEAKER_01","startTime":349.2,"endTime":349.44,"body":"yeah,"},{"speaker":"SPEAKER_01","startTime":349.52,"endTime":349.84,"body":"that"},{"speaker":"SPEAKER_01","startTime":349.84,"endTime":350.0,"body":"that"},{"speaker":"SPEAKER_01","startTime":350.0,"endTime":350.16,"body":"was"},{"speaker":"SPEAKER_01","startTime":350.16,"endTime":350.32,"body":"me."},{"speaker":"SPEAKER_01","startTime":350.48,"endTime":350.56,"body":"I"},{"speaker":"SPEAKER_01","startTime":350.56,"endTime":350.72,"body":"was"},{"speaker":"SPEAKER_01","startTime":350.72,"endTime":351.04,"body":"hired"},{"speaker":"SPEAKER_01","startTime":351.04,"endTime":351.2,"body":"to"},{"speaker":"SPEAKER_01","startTime":351.2,"endTime":351.36,"body":"do"},{"speaker":"SPEAKER_01","startTime":351.36,"endTime":351.44,"body":"the"},{"speaker":"SPEAKER_01","startTime":351.52,"endTime":351.68,"body":"uh"},{"speaker":"SPEAKER_01","startTime":351.76,"endTime":351.92,"body":"the"},{"speaker":"SPEAKER_01","startTime":351.92,"endTime":352.88,"body":"Auschwitz"},{"speaker":"SPEAKER_01","startTime":352.88,"endTime":353.04,"body":"uh"},{"speaker":"SPEAKER_01","startTime":353.04,"endTime":353.44,"body":"exhibit"},{"speaker":"SPEAKER_01","startTime":353.6,"endTime":353.68,"body":"uh"},{"speaker":"SPEAKER_01","startTime":353.92,"endTime":354.16,"body":"when"},{"speaker":"SPEAKER_01","startTime":354.16,"endTime":354.48,"body":"it"},{"speaker":"SPEAKER_01","startTime":354.48,"endTime":354.8,"body":"first"},{"speaker":"SPEAKER_01","startTime":354.8,"endTime":355.12,"body":"uh"},{"speaker":"SPEAKER_01","startTime":355.12,"endTime":355.44,"body":"was"},{"speaker":"SPEAKER_01","startTime":355.44,"endTime":355.92,"body":"presented"},{"speaker":"SPEAKER_01","startTime":355.92,"endTime":356.16,"body":"in"},{"speaker":"SPEAKER_01","startTime":356.16,"endTime":356.72,"body":"Boston,"},{"speaker":"SPEAKER_01","startTime":356.88,"endTime":357.12,"body":"and"},{"speaker":"SPEAKER_01","startTime":357.12,"endTime":357.44,"body":"then"},{"speaker":"SPEAKER_01","startTime":357.44,"endTime":357.68,"body":"when"},{"speaker":"SPEAKER_01","startTime":357.68,"endTime":358.0,"body":"it"},{"speaker":"SPEAKER_01","startTime":358.0,"endTime":358.48,"body":"moved,"},{"speaker":"SPEAKER_01","startTime":358.64,"endTime":358.96,"body":"then"},{"speaker":"SPEAKER_01","startTime":358.96,"endTime":359.2,"body":"I"},{"speaker":"SPEAKER_01","startTime":359.2,"endTime":359.52,"body":"was"},{"speaker":"SPEAKER_01","startTime":359.52,"endTime":359.84,"body":"uh"},{"speaker":"SPEAKER_01","startTime":360.0,"endTime":360.24,"body":"uh"},{"speaker":"SPEAKER_01","startTime":360.4,"endTime":360.64,"body":"they"},{"speaker":"SPEAKER_01","startTime":360.64,"endTime":361.12,"body":"asked"},{"speaker":"SPEAKER_01","startTime":361.12,"endTime":361.44,"body":"me"},{"speaker":"SPEAKER_01","startTime":361.44,"endTime":361.76,"body":"to"},{"speaker":"SPEAKER_01","startTime":361.76,"endTime":363.04,"body":"re-read"},{"speaker":"SPEAKER_01","startTime":363.04,"endTime":363.28,"body":"the"},{"speaker":"SPEAKER_01","startTime":363.28,"endTime":363.76,"body":"copy"},{"speaker":"SPEAKER_01","startTime":363.76,"endTime":363.92,"body":"for"},{"speaker":"SPEAKER_01","startTime":363.92,"endTime":364.08,"body":"the"},{"speaker":"SPEAKER_01","startTime":364.08,"endTime":364.16,"body":"uh"},{"speaker":"SPEAKER_01","startTime":364.32,"endTime":364.48,"body":"for"},{"speaker":"SPEAKER_01","startTime":364.48,"endTime":364.64,"body":"the"},{"speaker":"SPEAKER_01","startTime":364.64,"endTime":365.44,"body":"Cincinnati"},{"speaker":"SPEAKER_01","startTime":365.44,"endTime":366.24,"body":"exhibit."},{"speaker":"SPEAKER_01","startTime":366.48,"endTime":366.8,"body":"And"},{"speaker":"SPEAKER_01","startTime":366.96,"endTime":367.36,"body":"everything"},{"speaker":"SPEAKER_01","startTime":367.36,"endTime":367.68,"body":"I've"},{"speaker":"SPEAKER_01","startTime":367.68,"endTime":368.0,"body":"read"},{"speaker":"SPEAKER_01","startTime":368.0,"endTime":368.32,"body":"says"},{"speaker":"SPEAKER_01","startTime":368.32,"endTime":368.72,"body":"it's"},{"speaker":"SPEAKER_01","startTime":368.72,"endTime":368.88,"body":"a"},{"speaker":"SPEAKER_01","startTime":369.12,"endTime":369.84,"body":"magnificent"},{"speaker":"SPEAKER_01","startTime":369.92,"endTime":370.32,"body":"moving,"},{"speaker":"SPEAKER_01","startTime":370.48,"endTime":371.12,"body":"magnificent."},{"speaker":"SPEAKER_01","startTime":371.2,"endTime":371.28,"body":"I"},{"speaker":"SPEAKER_01","startTime":371.28,"endTime":371.44,"body":"don't"},{"speaker":"SPEAKER_01","startTime":371.44,"endTime":371.6,"body":"even"},{"speaker":"SPEAKER_01","startTime":371.6,"endTime":371.68,"body":"know"},{"speaker":"SPEAKER_01","startTime":371.68,"endTime":371.76,"body":"if"},{"speaker":"SPEAKER_01","startTime":371.76,"endTime":372.0,"body":"that's"},{"speaker":"SPEAKER_01","startTime":372.0,"endTime":372.08,"body":"a"},{"speaker":"SPEAKER_01","startTime":372.08,"endTime":372.32,"body":"good"},{"speaker":"SPEAKER_01","startTime":372.32,"endTime":372.56,"body":"word,"},{"speaker":"SPEAKER_01","startTime":372.72,"endTime":372.88,"body":"uh"},{"speaker":"SPEAKER_01","startTime":373.12,"endTime":373.68,"body":"powerful"},{"speaker":"SPEAKER_01","startTime":373.92,"endTime":374.48,"body":"moving"},{"speaker":"SPEAKER_01","startTime":374.48,"endTime":375.44,"body":"exhibit."},{"speaker":"SPEAKER_01","startTime":375.68,"endTime":375.92,"body":"Of"},{"speaker":"SPEAKER_01","startTime":375.92,"endTime":376.24,"body":"course"},{"speaker":"SPEAKER_01","startTime":376.4,"endTime":376.64,"body":"it"},{"speaker":"SPEAKER_01","startTime":376.64,"endTime":376.8,"body":"is."},{"speaker":"SPEAKER_01","startTime":376.96,"endTime":377.12,"body":"Um"},{"speaker":"SPEAKER_01","startTime":377.28,"endTime":377.44,"body":"and"},{"speaker":"SPEAKER_01","startTime":377.44,"endTime":377.68,"body":"I"},{"speaker":"SPEAKER_01","startTime":377.68,"endTime":377.84,"body":"was"},{"speaker":"SPEAKER_01","startTime":377.84,"endTime":378.08,"body":"very"},{"speaker":"SPEAKER_01","startTime":378.08,"endTime":378.32,"body":"proud"},{"speaker":"SPEAKER_01","startTime":378.32,"endTime":378.4,"body":"to"},{"speaker":"SPEAKER_01","startTime":378.4,"endTime":378.56,"body":"be"},{"speaker":"SPEAKER_01","startTime":378.56,"endTime":378.64,"body":"a"},{"speaker":"SPEAKER_01","startTime":378.64,"endTime":378.8,"body":"part"},{"speaker":"SPEAKER_01","startTime":378.8,"endTime":378.88,"body":"of"},{"speaker":"SPEAKER_01","startTime":378.88,"endTime":379.04,"body":"it,"},{"speaker":"SPEAKER_01","startTime":379.12,"endTime":379.28,"body":"and"},{"speaker":"SPEAKER_01","startTime":379.28,"endTime":379.44,"body":"I"},{"speaker":"SPEAKER_01","startTime":379.44,"endTime":379.6,"body":"got"},{"speaker":"SPEAKER_01","startTime":379.6,"endTime":379.68,"body":"a"},{"speaker":"SPEAKER_01","startTime":379.68,"endTime":379.84,"body":"little"},{"speaker":"SPEAKER_01","startTime":379.84,"endTime":379.92,"body":"bit"},{"speaker":"SPEAKER_01","startTime":379.92,"endTime":380.0,"body":"of"},{"speaker":"SPEAKER_01","startTime":380.0,"endTime":380.16,"body":"a"},{"speaker":"SPEAKER_01","startTime":380.16,"endTime":380.64,"body":"paycheck"},{"speaker":"SPEAKER_01","startTime":380.64,"endTime":380.72,"body":"for"},{"speaker":"SPEAKER_01","startTime":380.72,"endTime":380.8,"body":"it,"},{"speaker":"SPEAKER_01","startTime":380.88,"endTime":381.2,"body":"too."},{"speaker":"SPEAKER_01","startTime":381.28,"endTime":381.6,"body":"So"},{"speaker":"SPEAKER_01","startTime":381.6,"endTime":381.84,"body":"it"},{"speaker":"SPEAKER_01","startTime":381.84,"endTime":382.08,"body":"was"},{"speaker":"SPEAKER_01","startTime":382.08,"endTime":382.64,"body":"doubly"},{"speaker":"SPEAKER_01","startTime":382.64,"endTime":383.36,"body":"satisfying."},{"speaker":"SPEAKER_01","startTime":383.52,"endTime":383.68,"body":"But"},{"speaker":"SPEAKER_01","startTime":383.84,"endTime":384.24,"body":"yes,"},{"speaker":"SPEAKER_01","startTime":384.48,"endTime":384.8,"body":"that"},{"speaker":"SPEAKER_01","startTime":384.8,"endTime":385.12,"body":"was"},{"speaker":"SPEAKER_01","startTime":385.12,"endTime":385.44,"body":"me"},{"speaker":"SPEAKER_01","startTime":385.92,"endTime":386.24,"body":"in"},{"speaker":"SPEAKER_01","startTime":386.24,"endTime":386.48,"body":"my"},{"speaker":"SPEAKER_01","startTime":386.48,"endTime":386.96,"body":"role"},{"speaker":"SPEAKER_01","startTime":386.96,"endTime":387.28,"body":"as"},{"speaker":"SPEAKER_01","startTime":387.28,"endTime":387.76,"body":"voice"},{"speaker":"SPEAKER_01","startTime":387.76,"endTime":388.32,"body":"actor."},{"speaker":"SPEAKER_01","startTime":388.48,"endTime":388.72,"body":"And"},{"speaker":"SPEAKER_01","startTime":388.72,"endTime":388.88,"body":"if"},{"speaker":"SPEAKER_01","startTime":388.88,"endTime":389.04,"body":"you"},{"speaker":"SPEAKER_01","startTime":389.04,"endTime":389.2,"body":"want"},{"speaker":"SPEAKER_01","startTime":389.2,"endTime":389.28,"body":"to"},{"speaker":"SPEAKER_01","startTime":389.28,"endTime":389.6,"body":"check"},{"speaker":"SPEAKER_01","startTime":389.6,"endTime":389.76,"body":"out"},{"speaker":"SPEAKER_01","startTime":389.76,"endTime":389.92,"body":"some"},{"speaker":"SPEAKER_01","startTime":389.92,"endTime":390.16,"body":"of"},{"speaker":"SPEAKER_01","startTime":390.16,"endTime":390.4,"body":"my"},{"speaker":"SPEAKER_01","startTime":390.4,"endTime":390.8,"body":"voice"},{"speaker":"SPEAKER_01","startTime":390.8,"endTime":391.28,"body":"acting"},{"speaker":"SPEAKER_01","startTime":391.28,"endTime":391.6,"body":"for"},{"speaker":"SPEAKER_01","startTime":391.6,"endTime":391.84,"body":"fun,"},{"speaker":"SPEAKER_01","startTime":392.0,"endTime":392.16,"body":"go"},{"speaker":"SPEAKER_01","startTime":392.16,"endTime":392.4,"body":"to"},{"speaker":"SPEAKER_01","startTime":392.4,"endTime":394.16,"body":"donmcdonnell.com."},{"speaker":"SPEAKER_01","startTime":394.4,"endTime":394.72,"body":"There"},{"speaker":"SPEAKER_01","startTime":394.8,"endTime":395.04,"body":"I"},{"speaker":"SPEAKER_01","startTime":395.04,"endTime":395.2,"body":"have"},{"speaker":"SPEAKER_01","startTime":395.2,"endTime":395.6,"body":"samples"},{"speaker":"SPEAKER_01","startTime":395.6,"endTime":395.76,"body":"of"},{"speaker":"SPEAKER_01","startTime":395.76,"endTime":395.92,"body":"all"},{"speaker":"SPEAKER_01","startTime":395.92,"endTime":396.16,"body":"kinds"},{"speaker":"SPEAKER_01","startTime":396.16,"endTime":396.32,"body":"of"},{"speaker":"SPEAKER_01","startTime":396.32,"endTime":396.56,"body":"things"},{"speaker":"SPEAKER_01","startTime":396.56,"endTime":396.8,"body":"I've"},{"speaker":"SPEAKER_01","startTime":396.8,"endTime":397.12,"body":"done."},{"speaker":"SPEAKER_01","startTime":397.28,"endTime":397.52,"body":"Not"},{"speaker":"SPEAKER_01","startTime":397.52,"endTime":397.68,"body":"all"},{"speaker":"SPEAKER_01","startTime":397.68,"endTime":397.76,"body":"of"},{"speaker":"SPEAKER_01","startTime":397.76,"endTime":397.92,"body":"them,"},{"speaker":"SPEAKER_01","startTime":398.0,"endTime":398.24,"body":"but"},{"speaker":"SPEAKER_01","startTime":398.24,"endTime":398.4,"body":"just"},{"speaker":"SPEAKER_01","startTime":398.4,"endTime":398.48,"body":"a"},{"speaker":"SPEAKER_01","startTime":398.48,"endTime":398.72,"body":"few"},{"speaker":"SPEAKER_01","startTime":398.72,"endTime":398.88,"body":"that"},{"speaker":"SPEAKER_01","startTime":398.88,"endTime":399.04,"body":"I"},{"speaker":"SPEAKER_01","startTime":399.04,"endTime":399.36,"body":"picked"},{"speaker":"SPEAKER_01","startTime":399.36,"endTime":399.52,"body":"out"},{"speaker":"SPEAKER_01","startTime":399.52,"endTime":399.6,"body":"that"},{"speaker":"SPEAKER_01","startTime":399.6,"endTime":399.76,"body":"I"},{"speaker":"SPEAKER_01","startTime":399.76,"endTime":400.0,"body":"thought"},{"speaker":"SPEAKER_01","startTime":400.0,"endTime":400.16,"body":"were"},{"speaker":"SPEAKER_01","startTime":400.16,"endTime":400.4,"body":"kind"},{"speaker":"SPEAKER_01","startTime":400.4,"endTime":400.56,"body":"of"},{"speaker":"SPEAKER_01","startTime":400.56,"endTime":401.04,"body":"cool."},{"speaker":"SPEAKER_01","startTime":401.28,"endTime":401.52,"body":"So"},{"speaker":"SPEAKER_01","startTime":401.6,"endTime":401.84,"body":"yeah,"},{"speaker":"SPEAKER_01","startTime":402.0,"endTime":402.32,"body":"check"},{"speaker":"SPEAKER_01","startTime":402.32,"endTime":402.48,"body":"them"},{"speaker":"SPEAKER_01","startTime":402.64,"endTime":402.8,"body":"out."},{"speaker":"SPEAKER_01","startTime":403.12,"endTime":403.28,"body":"And"},{"speaker":"SPEAKER_01","startTime":403.36,"endTime":403.52,"body":"and"},{"speaker":"SPEAKER_01","startTime":403.52,"endTime":403.68,"body":"uh"},{"speaker":"SPEAKER_01","startTime":403.76,"endTime":403.92,"body":"and"},{"speaker":"SPEAKER_01","startTime":403.92,"endTime":404.24,"body":"thank"},{"speaker":"SPEAKER_01","startTime":404.24,"endTime":404.4,"body":"you"},{"speaker":"SPEAKER_01","startTime":404.4,"endTime":404.72,"body":"for"},{"speaker":"SPEAKER_01","startTime":404.72,"endTime":404.96,"body":"for"},{"speaker":"SPEAKER_01","startTime":404.96,"endTime":405.12,"body":"uh"},{"speaker":"SPEAKER_01","startTime":405.36,"endTime":405.76,"body":"bringing"},{"speaker":"SPEAKER_01","startTime":405.76,"endTime":405.92,"body":"that"},{"speaker":"SPEAKER_01","startTime":405.92,"endTime":406.08,"body":"up"},{"speaker":"SPEAKER_01","startTime":406.16,"endTime":406.24,"body":"because"},{"speaker":"SPEAKER_01","startTime":406.32,"endTime":406.48,"body":"that"},{"speaker":"SPEAKER_01","startTime":406.48,"endTime":406.64,"body":"was"},{"speaker":"SPEAKER_01","startTime":406.64,"endTime":406.8,"body":"a"},{"speaker":"SPEAKER_01","startTime":406.8,"endTime":406.96,"body":"uh"},{"speaker":"SPEAKER_01","startTime":407.04,"endTime":407.2,"body":"that"},{"speaker":"SPEAKER_01","startTime":407.2,"endTime":407.28,"body":"was"},{"speaker":"SPEAKER_01","startTime":407.28,"endTime":407.44,"body":"a"},{"speaker":"SPEAKER_01","startTime":407.44,"endTime":407.6,"body":"a"},{"speaker":"SPEAKER_01","startTime":407.6,"endTime":407.84,"body":"great"},{"speaker":"SPEAKER_01","startTime":407.84,"endTime":408.08,"body":"moment"},{"speaker":"SPEAKER_01","startTime":408.08,"endTime":408.24,"body":"when"},{"speaker":"SPEAKER_01","startTime":408.24,"endTime":408.32,"body":"I"},{"speaker":"SPEAKER_01","startTime":408.32,"endTime":408.48,"body":"got"},{"speaker":"SPEAKER_01","startTime":408.48,"endTime":408.8,"body":"picked"},{"speaker":"SPEAKER_01","startTime":408.8,"endTime":408.96,"body":"to"},{"speaker":"SPEAKER_01","startTime":408.96,"endTime":409.2,"body":"do"},{"speaker":"SPEAKER_01","startTime":409.2,"endTime":409.36,"body":"that."},{"speaker":"SPEAKER_01","startTime":409.84,"endTime":410.08,"body":"Now"},{"speaker":"SPEAKER_01","startTime":410.16,"endTime":410.48,"body":"let's"},{"speaker":"SPEAKER_01","startTime":410.48,"endTime":410.8,"body":"grab"},{"speaker":"SPEAKER_01","startTime":410.8,"endTime":411.2,"body":"another"},{"speaker":"SPEAKER_01","startTime":411.2,"endTime":411.52,"body":"quick"},{"speaker":"SPEAKER_01","startTime":411.68,"endTime":412.16,"body":"money"},{"speaker":"SPEAKER_01","startTime":412.16,"endTime":412.48,"body":"question."},{"speaker":"SPEAKER_04","startTime":412.8,"endTime":413.36,"body":"Hello."},{"speaker":"SPEAKER_04","startTime":414.32,"endTime":414.96,"body":"I've"},{"speaker":"SPEAKER_04","startTime":414.96,"endTime":415.2,"body":"been"},{"speaker":"SPEAKER_04","startTime":415.2,"endTime":415.36,"body":"a"},{"speaker":"SPEAKER_04","startTime":415.36,"endTime":415.68,"body":"member"},{"speaker":"SPEAKER_04","startTime":415.68,"endTime":415.84,"body":"of"},{"speaker":"SPEAKER_04","startTime":415.84,"endTime":416.4,"body":"Bread"},{"speaker":"SPEAKER_04","startTime":416.4,"endTime":417.12,"body":"Savings"},{"speaker":"SPEAKER_04","startTime":417.12,"endTime":418.0,"body":"Banking"},{"speaker":"SPEAKER_04","startTime":418.0,"endTime":418.16,"body":"for"},{"speaker":"SPEAKER_04","startTime":418.16,"endTime":418.4,"body":"quite"},{"speaker":"SPEAKER_04","startTime":418.4,"endTime":418.64,"body":"a"},{"speaker":"SPEAKER_04","startTime":418.64,"endTime":418.96,"body":"while."},{"speaker":"SPEAKER_04","startTime":419.28,"endTime":420.16,"body":"Recently"},{"speaker":"SPEAKER_04","startTime":420.4,"endTime":420.72,"body":"I"},{"speaker":"SPEAKER_04","startTime":420.72,"endTime":421.36,"body":"referred"},{"speaker":"SPEAKER_04","startTime":421.36,"endTime":421.6,"body":"a"},{"speaker":"SPEAKER_04","startTime":421.6,"endTime":422.0,"body":"friend"},{"speaker":"SPEAKER_04","startTime":422.0,"endTime":422.32,"body":"to"},{"speaker":"SPEAKER_04","startTime":422.32,"endTime":422.64,"body":"them."},{"speaker":"SPEAKER_04","startTime":423.2,"endTime":423.52,"body":"The"},{"speaker":"SPEAKER_04","startTime":423.52,"endTime":424.16,"body":"friend"},{"speaker":"SPEAKER_04","startTime":424.64,"endTime":424.96,"body":"did"},{"speaker":"SPEAKER_04","startTime":424.96,"endTime":425.28,"body":"a"},{"speaker":"SPEAKER_04","startTime":425.28,"endTime":425.92,"body":"research"},{"speaker":"SPEAKER_04","startTime":425.92,"endTime":426.08,"body":"for"},{"speaker":"SPEAKER_04","startTime":426.08,"endTime":426.56,"body":"reviews"},{"speaker":"SPEAKER_04","startTime":426.56,"endTime":426.72,"body":"of"},{"speaker":"SPEAKER_04","startTime":426.72,"endTime":426.88,"body":"the"},{"speaker":"SPEAKER_04","startTime":426.88,"endTime":427.2,"body":"bank"},{"speaker":"SPEAKER_04","startTime":427.2,"endTime":427.44,"body":"and"},{"speaker":"SPEAKER_04","startTime":427.44,"endTime":427.68,"body":"was"},{"speaker":"SPEAKER_04","startTime":427.68,"endTime":428.56,"body":"horrified."},{"speaker":"SPEAKER_04","startTime":429.28,"endTime":429.6,"body":"Have"},{"speaker":"SPEAKER_04","startTime":429.6,"endTime":429.84,"body":"you"},{"speaker":"SPEAKER_04","startTime":429.84,"endTime":430.16,"body":"seen"},{"speaker":"SPEAKER_04","startTime":430.16,"endTime":430.4,"body":"the"},{"speaker":"SPEAKER_04","startTime":430.4,"endTime":431.12,"body":"reviews?"},{"speaker":"SPEAKER_04","startTime":431.44,"endTime":432.48,"body":"Apparently,"},{"speaker":"SPEAKER_04","startTime":432.72,"endTime":433.12,"body":"you're"},{"speaker":"SPEAKER_04","startTime":433.12,"endTime":433.6,"body":"limited"},{"speaker":"SPEAKER_04","startTime":433.68,"endTime":433.92,"body":"how"},{"speaker":"SPEAKER_04","startTime":433.92,"endTime":434.08,"body":"much"},{"speaker":"SPEAKER_04","startTime":434.08,"endTime":434.16,"body":"of"},{"speaker":"SPEAKER_04","startTime":434.16,"endTime":434.32,"body":"your"},{"speaker":"SPEAKER_04","startTime":434.32,"endTime":434.56,"body":"own"},{"speaker":"SPEAKER_04","startTime":434.56,"endTime":434.88,"body":"money"},{"speaker":"SPEAKER_04","startTime":434.88,"endTime":435.04,"body":"you"},{"speaker":"SPEAKER_04","startTime":435.04,"endTime":435.28,"body":"can"},{"speaker":"SPEAKER_04","startTime":435.28,"endTime":435.6,"body":"take"},{"speaker":"SPEAKER_04","startTime":435.6,"endTime":435.76,"body":"out"},{"speaker":"SPEAKER_04","startTime":435.76,"endTime":435.92,"body":"in"},{"speaker":"SPEAKER_04","startTime":435.92,"endTime":436.16,"body":"a"},{"speaker":"SPEAKER_04","startTime":436.16,"endTime":436.72,"body":"month"},{"speaker":"SPEAKER_04","startTime":436.72,"endTime":436.96,"body":"from"},{"speaker":"SPEAKER_04","startTime":437.28,"endTime":437.6,"body":"them."},{"speaker":"SPEAKER_04","startTime":438.16,"endTime":438.64,"body":"Also,"},{"speaker":"SPEAKER_04","startTime":438.8,"endTime":439.04,"body":"they"},{"speaker":"SPEAKER_04","startTime":439.04,"endTime":439.28,"body":"are"},{"speaker":"SPEAKER_04","startTime":439.28,"endTime":439.76,"body":"partners"},{"speaker":"SPEAKER_04","startTime":439.76,"endTime":440.0,"body":"with"},{"speaker":"SPEAKER_04","startTime":440.0,"endTime":440.72,"body":"Community"},{"speaker":"SPEAKER_04","startTime":440.72,"endTime":441.2,"body":"Bank"},{"speaker":"SPEAKER_04","startTime":441.36,"endTime":441.68,"body":"and"},{"speaker":"SPEAKER_04","startTime":441.68,"endTime":441.84,"body":"have"},{"speaker":"SPEAKER_04","startTime":441.84,"endTime":442.32,"body":"several"},{"speaker":"SPEAKER_04","startTime":442.32,"endTime":442.72,"body":"credit"},{"speaker":"SPEAKER_04","startTime":442.72,"endTime":443.12,"body":"cards"},{"speaker":"SPEAKER_04","startTime":443.12,"endTime":443.36,"body":"they"},{"speaker":"SPEAKER_04","startTime":443.6,"endTime":444.24,"body":"manage,"},{"speaker":"SPEAKER_04","startTime":444.64,"endTime":444.96,"body":"which"},{"speaker":"SPEAKER_04","startTime":444.96,"endTime":445.28,"body":"has"},{"speaker":"SPEAKER_04","startTime":445.28,"endTime":445.6,"body":"been"},{"speaker":"SPEAKER_04","startTime":445.6,"endTime":445.84,"body":"a"},{"speaker":"SPEAKER_04","startTime":445.84,"endTime":446.0,"body":"lot"},{"speaker":"SPEAKER_04","startTime":446.0,"endTime":446.24,"body":"of"},{"speaker":"SPEAKER_04","startTime":446.24,"endTime":446.8,"body":"problems"},{"speaker":"SPEAKER_04","startTime":446.8,"endTime":447.12,"body":"for"},{"speaker":"SPEAKER_04","startTime":447.12,"endTime":447.44,"body":"people."},{"speaker":"SPEAKER_04","startTime":448.56,"endTime":449.2,"body":"Thank"},{"speaker":"SPEAKER_04","startTime":449.2,"endTime":449.52,"body":"you."},{"speaker":"SPEAKER_01","startTime":449.92,"endTime":450.08,"body":"Well,"},{"speaker":"SPEAKER_01","startTime":450.16,"endTime":450.4,"body":"one"},{"speaker":"SPEAKER_01","startTime":450.4,"endTime":450.48,"body":"of"},{"speaker":"SPEAKER_01","startTime":450.48,"endTime":450.56,"body":"the"},{"speaker":"SPEAKER_01","startTime":450.56,"endTime":450.8,"body":"things"},{"speaker":"SPEAKER_01","startTime":450.8,"endTime":451.04,"body":"I've"},{"speaker":"SPEAKER_01","startTime":451.04,"endTime":451.52,"body":"discovered"},{"speaker":"SPEAKER_01","startTime":451.52,"endTime":451.76,"body":"with"},{"speaker":"SPEAKER_01","startTime":451.76,"endTime":452.48,"body":"reviews"},{"speaker":"SPEAKER_01","startTime":452.48,"endTime":452.64,"body":"is"},{"speaker":"SPEAKER_01","startTime":452.64,"endTime":452.88,"body":"that"},{"speaker":"SPEAKER_01","startTime":452.88,"endTime":453.2,"body":"they"},{"speaker":"SPEAKER_01","startTime":453.2,"endTime":453.44,"body":"tend"},{"speaker":"SPEAKER_01","startTime":453.44,"endTime":453.6,"body":"to"},{"speaker":"SPEAKER_01","startTime":453.6,"endTime":453.92,"body":"be"},{"speaker":"SPEAKER_01","startTime":453.92,"endTime":454.56,"body":"partially"},{"speaker":"SPEAKER_01","startTime":454.56,"endTime":454.88,"body":"right."},{"speaker":"SPEAKER_01","startTime":455.12,"endTime":455.44,"body":"There's"},{"speaker":"SPEAKER_01","startTime":455.52,"endTime":455.6,"body":"there"},{"speaker":"SPEAKER_01","startTime":455.84,"endTime":456.24,"body":"there's"},{"speaker":"SPEAKER_01","startTime":456.24,"endTime":456.56,"body":"truth"},{"speaker":"SPEAKER_01","startTime":456.64,"endTime":456.88,"body":"and"},{"speaker":"SPEAKER_01","startTime":456.88,"endTime":457.2,"body":"then"},{"speaker":"SPEAKER_01","startTime":457.2,"endTime":458.0,"body":"there's"},{"speaker":"SPEAKER_01","startTime":458.48,"endTime":458.96,"body":"less"},{"speaker":"SPEAKER_01","startTime":458.96,"endTime":459.28,"body":"than"},{"speaker":"SPEAKER_01","startTime":459.28,"endTime":459.92,"body":"truth."},{"speaker":"SPEAKER_01","startTime":460.24,"endTime":460.48,"body":"Uh"},{"speaker":"SPEAKER_01","startTime":460.72,"endTime":461.04,"body":"and"},{"speaker":"SPEAKER_01","startTime":461.04,"endTime":461.36,"body":"let"},{"speaker":"SPEAKER_01","startTime":461.36,"endTime":461.68,"body":"me"},{"speaker":"SPEAKER_01","startTime":461.68,"endTime":461.84,"body":"see"},{"speaker":"SPEAKER_01","startTime":461.84,"endTime":462.0,"body":"if"},{"speaker":"SPEAKER_01","startTime":462.0,"endTime":462.16,"body":"I"},{"speaker":"SPEAKER_01","startTime":462.16,"endTime":462.32,"body":"can"},{"speaker":"SPEAKER_01","startTime":462.32,"endTime":462.72,"body":"address"},{"speaker":"SPEAKER_01","startTime":462.72,"endTime":462.88,"body":"these."},{"speaker":"SPEAKER_01","startTime":463.04,"endTime":463.2,"body":"The"},{"speaker":"SPEAKER_01","startTime":463.2,"endTime":463.68,"body":"withdrawal"},{"speaker":"SPEAKER_01","startTime":463.68,"endTime":464.0,"body":"limit."},{"speaker":"SPEAKER_01","startTime":464.08,"endTime":464.32,"body":"Yeah,"},{"speaker":"SPEAKER_01","startTime":464.4,"endTime":464.88,"body":"initially,"},{"speaker":"SPEAKER_01","startTime":464.96,"endTime":465.12,"body":"when"},{"speaker":"SPEAKER_01","startTime":465.12,"endTime":465.2,"body":"you"},{"speaker":"SPEAKER_01","startTime":465.2,"endTime":465.44,"body":"start"},{"speaker":"SPEAKER_01","startTime":465.44,"endTime":465.6,"body":"the"},{"speaker":"SPEAKER_01","startTime":465.6,"endTime":466.16,"body":"accounts,"},{"speaker":"SPEAKER_01","startTime":466.32,"endTime":466.64,"body":"they"},{"speaker":"SPEAKER_01","startTime":466.64,"endTime":466.8,"body":"have"},{"speaker":"SPEAKER_01","startTime":466.8,"endTime":467.36,"body":"withdrawal"},{"speaker":"SPEAKER_01","startTime":467.36,"endTime":467.76,"body":"limits."},{"speaker":"SPEAKER_01","startTime":467.92,"endTime":468.16,"body":"And"},{"speaker":"SPEAKER_01","startTime":468.16,"endTime":468.24,"body":"I"},{"speaker":"SPEAKER_01","startTime":468.24,"endTime":468.4,"body":"think"},{"speaker":"SPEAKER_01","startTime":468.4,"endTime":468.64,"body":"that's"},{"speaker":"SPEAKER_01","startTime":468.64,"endTime":468.8,"body":"an"},{"speaker":"SPEAKER_01","startTime":468.8,"endTime":469.6,"body":"anti-fraud"},{"speaker":"SPEAKER_01","startTime":469.6,"endTime":469.92,"body":"tool,"},{"speaker":"SPEAKER_01","startTime":470.0,"endTime":470.24,"body":"but"},{"speaker":"SPEAKER_01","startTime":470.24,"endTime":470.4,"body":"I've"},{"speaker":"SPEAKER_01","startTime":470.4,"endTime":470.56,"body":"been"},{"speaker":"SPEAKER_01","startTime":470.56,"endTime":470.72,"body":"with"},{"speaker":"SPEAKER_01","startTime":470.72,"endTime":470.88,"body":"them"},{"speaker":"SPEAKER_01","startTime":470.88,"endTime":471.04,"body":"for"},{"speaker":"SPEAKER_01","startTime":471.04,"endTime":471.2,"body":"such"},{"speaker":"SPEAKER_01","startTime":471.2,"endTime":471.28,"body":"a"},{"speaker":"SPEAKER_01","startTime":471.28,"endTime":471.44,"body":"long"},{"speaker":"SPEAKER_01","startTime":471.44,"endTime":471.68,"body":"time,"},{"speaker":"SPEAKER_01","startTime":471.76,"endTime":471.92,"body":"I"},{"speaker":"SPEAKER_01","startTime":471.92,"endTime":472.16,"body":"don't"},{"speaker":"SPEAKER_01","startTime":472.16,"endTime":472.56,"body":"believe"},{"speaker":"SPEAKER_01","startTime":472.56,"endTime":472.72,"body":"I"},{"speaker":"SPEAKER_01","startTime":472.72,"endTime":472.88,"body":"have"},{"speaker":"SPEAKER_01","startTime":472.88,"endTime":473.12,"body":"any"},{"speaker":"SPEAKER_01","startTime":473.12,"endTime":473.44,"body":"limits."},{"speaker":"SPEAKER_01","startTime":473.52,"endTime":473.68,"body":"As"},{"speaker":"SPEAKER_01","startTime":473.68,"endTime":473.76,"body":"a"},{"speaker":"SPEAKER_01","startTime":473.76,"endTime":474.0,"body":"matter"},{"speaker":"SPEAKER_01","startTime":474.0,"endTime":474.16,"body":"of"},{"speaker":"SPEAKER_01","startTime":474.16,"endTime":474.56,"body":"fact,"},{"speaker":"SPEAKER_01","startTime":474.72,"endTime":475.04,"body":"uh"},{"speaker":"SPEAKER_01","startTime":475.36,"endTime":475.68,"body":"I"},{"speaker":"SPEAKER_01","startTime":475.68,"endTime":476.0,"body":"know"},{"speaker":"SPEAKER_01","startTime":476.0,"endTime":476.32,"body":"that"},{"speaker":"SPEAKER_01","startTime":476.32,"endTime":476.56,"body":"I"},{"speaker":"SPEAKER_01","startTime":476.56,"endTime":476.72,"body":"can"},{"speaker":"SPEAKER_01","startTime":476.72,"endTime":477.2,"body":"transfer"},{"speaker":"SPEAKER_01","startTime":477.2,"endTime":477.44,"body":"large"},{"speaker":"SPEAKER_01","startTime":477.44,"endTime":477.84,"body":"amounts"},{"speaker":"SPEAKER_01","startTime":477.92,"endTime":478.08,"body":"because"},{"speaker":"SPEAKER_01","startTime":478.08,"endTime":478.4,"body":"I've"},{"speaker":"SPEAKER_01","startTime":478.4,"endTime":478.8,"body":"done"},{"speaker":"SPEAKER_01","startTime":478.8,"endTime":479.12,"body":"so"},{"speaker":"SPEAKER_01","startTime":479.36,"endTime":479.68,"body":"uh"},{"speaker":"SPEAKER_01","startTime":480.32,"endTime":480.56,"body":"and"},{"speaker":"SPEAKER_01","startTime":480.56,"endTime":480.8,"body":"I've"},{"speaker":"SPEAKER_01","startTime":480.8,"endTime":481.12,"body":"done"},{"speaker":"SPEAKER_01","startTime":481.2,"endTime":481.36,"body":"actually"},{"speaker":"SPEAKER_01","startTime":481.44,"endTime":481.68,"body":"I've"},{"speaker":"SPEAKER_01","startTime":481.68,"endTime":481.84,"body":"done"},{"speaker":"SPEAKER_01","startTime":481.84,"endTime":481.92,"body":"some"},{"speaker":"SPEAKER_01","startTime":481.92,"endTime":482.08,"body":"big"},{"speaker":"SPEAKER_01","startTime":482.08,"endTime":482.32,"body":"ones"},{"speaker":"SPEAKER_01","startTime":482.32,"endTime":482.48,"body":"through"},{"speaker":"SPEAKER_01","startTime":482.48,"endTime":482.96,"body":"ACH,"},{"speaker":"SPEAKER_01","startTime":483.04,"endTime":483.2,"body":"but"},{"speaker":"SPEAKER_01","startTime":483.2,"endTime":483.28,"body":"if"},{"speaker":"SPEAKER_01","startTime":483.28,"endTime":483.36,"body":"you"},{"speaker":"SPEAKER_01","startTime":483.36,"endTime":483.6,"body":"wanted"},{"speaker":"SPEAKER_01","startTime":483.6,"endTime":483.68,"body":"to"},{"speaker":"SPEAKER_01","startTime":483.68,"endTime":483.84,"body":"do"},{"speaker":"SPEAKER_01","startTime":484.0,"endTime":484.16,"body":"like"},{"speaker":"SPEAKER_01","startTime":484.16,"endTime":484.24,"body":"the"},{"speaker":"SPEAKER_01","startTime":484.24,"endTime":484.48,"body":"whole"},{"speaker":"SPEAKER_01","startTime":484.48,"endTime":484.8,"body":"account,"},{"speaker":"SPEAKER_01","startTime":484.88,"endTime":485.12,"body":"like"},{"speaker":"SPEAKER_01","startTime":485.12,"endTime":485.2,"body":"it"},{"speaker":"SPEAKER_01","startTime":485.2,"endTime":485.36,"body":"was"},{"speaker":"SPEAKER_01","startTime":485.36,"endTime":485.44,"body":"uh,"},{"speaker":"SPEAKER_01","startTime":485.52,"endTime":485.6,"body":"you"},{"speaker":"SPEAKER_01","startTime":485.6,"endTime":485.68,"body":"know,"},{"speaker":"SPEAKER_01","startTime":485.76,"endTime":486.08,"body":"six"},{"speaker":"SPEAKER_01","startTime":486.08,"endTime":486.56,"body":"figures,"},{"speaker":"SPEAKER_01","startTime":486.72,"endTime":486.88,"body":"you"},{"speaker":"SPEAKER_01","startTime":486.88,"endTime":487.04,"body":"could"},{"speaker":"SPEAKER_01","startTime":487.04,"endTime":487.12,"body":"do"},{"speaker":"SPEAKER_01","startTime":487.12,"endTime":487.28,"body":"that"},{"speaker":"SPEAKER_01","startTime":487.28,"endTime":487.52,"body":"through"},{"speaker":"SPEAKER_01","startTime":487.52,"endTime":487.6,"body":"a"},{"speaker":"SPEAKER_01","startTime":487.6,"endTime":487.92,"body":"wire"},{"speaker":"SPEAKER_01","startTime":487.92,"endTime":488.24,"body":"transfer"},{"speaker":"SPEAKER_01","startTime":488.32,"endTime":488.4,"body":"and"},{"speaker":"SPEAKER_01","startTime":488.4,"endTime":488.56,"body":"they"},{"speaker":"SPEAKER_01","startTime":488.56,"endTime":488.8,"body":"wouldn't"},{"speaker":"SPEAKER_01","startTime":488.8,"endTime":489.04,"body":"stop"},{"speaker":"SPEAKER_01","startTime":489.04,"endTime":489.2,"body":"you."},{"speaker":"SPEAKER_01","startTime":489.28,"endTime":489.52,"body":"It's"},{"speaker":"SPEAKER_01","startTime":489.52,"endTime":489.68,"body":"your"},{"speaker":"SPEAKER_01","startTime":489.68,"endTime":489.92,"body":"money."},{"speaker":"SPEAKER_01","startTime":490.0,"endTime":490.16,"body":"They're"},{"speaker":"SPEAKER_01","startTime":490.16,"endTime":490.24,"body":"not"},{"speaker":"SPEAKER_01","startTime":490.24,"endTime":490.32,"body":"going"},{"speaker":"SPEAKER_01","startTime":490.32,"endTime":490.4,"body":"to"},{"speaker":"SPEAKER_01","startTime":490.4,"endTime":490.56,"body":"stop"},{"speaker":"SPEAKER_01","startTime":490.56,"endTime":490.72,"body":"you."},{"speaker":"SPEAKER_01","startTime":490.88,"endTime":491.36,"body":"ACH"},{"speaker":"SPEAKER_01","startTime":491.36,"endTime":491.84,"body":"withdrawals"},{"speaker":"SPEAKER_01","startTime":491.84,"endTime":492.0,"body":"are"},{"speaker":"SPEAKER_01","startTime":492.0,"endTime":492.08,"body":"a"},{"speaker":"SPEAKER_01","startTime":492.08,"endTime":492.24,"body":"different"},{"speaker":"SPEAKER_01","startTime":492.24,"endTime":492.4,"body":"thing,"},{"speaker":"SPEAKER_01","startTime":492.48,"endTime":492.64,"body":"and"},{"speaker":"SPEAKER_01","startTime":492.64,"endTime":493.12,"body":"those"},{"speaker":"SPEAKER_01","startTime":493.12,"endTime":493.68,"body":"vary."},{"speaker":"SPEAKER_01","startTime":494.0,"endTime":494.32,"body":"But"},{"speaker":"SPEAKER_01","startTime":494.32,"endTime":494.48,"body":"uh"},{"speaker":"SPEAKER_01","startTime":494.72,"endTime":495.04,"body":"as"},{"speaker":"SPEAKER_01","startTime":495.04,"endTime":495.36,"body":"for"},{"speaker":"SPEAKER_01","startTime":495.68,"endTime":496.0,"body":"the"},{"speaker":"SPEAKER_01","startTime":496.0,"endTime":496.48,"body":"anger"},{"speaker":"SPEAKER_01","startTime":496.48,"endTime":496.72,"body":"over"},{"speaker":"SPEAKER_01","startTime":496.72,"endTime":497.52,"body":"comenity,"},{"speaker":"SPEAKER_01","startTime":497.6,"endTime":497.68,"body":"yeah,"},{"speaker":"SPEAKER_01","startTime":497.84,"endTime":498.64,"body":"comenity"},{"speaker":"SPEAKER_01","startTime":498.96,"endTime":499.28,"body":"is"},{"speaker":"SPEAKER_01","startTime":499.28,"endTime":499.6,"body":"a"},{"speaker":"SPEAKER_01","startTime":499.6,"endTime":499.92,"body":"uh"},{"speaker":"SPEAKER_01","startTime":500.64,"endTime":500.96,"body":"a"},{"speaker":"SPEAKER_01","startTime":500.96,"endTime":501.68,"body":"subpar"},{"speaker":"SPEAKER_01","startTime":501.92,"endTime":502.32,"body":"lender."},{"speaker":"SPEAKER_01","startTime":502.72,"endTime":503.28,"body":"They"},{"speaker":"SPEAKER_01","startTime":503.28,"endTime":503.76,"body":"write"},{"speaker":"SPEAKER_01","startTime":503.76,"endTime":504.24,"body":"credit"},{"speaker":"SPEAKER_01","startTime":504.24,"endTime":504.72,"body":"cards"},{"speaker":"SPEAKER_01","startTime":504.72,"endTime":504.88,"body":"for"},{"speaker":"SPEAKER_01","startTime":504.88,"endTime":505.04,"body":"a"},{"speaker":"SPEAKER_01","startTime":505.04,"endTime":505.28,"body":"lot"},{"speaker":"SPEAKER_01","startTime":505.28,"endTime":505.44,"body":"of"},{"speaker":"SPEAKER_01","startTime":505.44,"endTime":505.92,"body":"different"},{"speaker":"SPEAKER_01","startTime":505.92,"endTime":506.48,"body":"institutions."},{"speaker":"SPEAKER_01","startTime":506.56,"endTime":506.96,"body":"Although"},{"speaker":"SPEAKER_01","startTime":506.96,"endTime":507.28,"body":"they've"},{"speaker":"SPEAKER_01","startTime":507.28,"endTime":507.68,"body":"moved"},{"speaker":"SPEAKER_01","startTime":507.68,"endTime":507.92,"body":"up"},{"speaker":"SPEAKER_01","startTime":507.92,"endTime":508.16,"body":"and"},{"speaker":"SPEAKER_01","startTime":508.16,"endTime":508.48,"body":"are"},{"speaker":"SPEAKER_01","startTime":508.48,"endTime":508.8,"body":"are"},{"speaker":"SPEAKER_01","startTime":508.8,"endTime":509.12,"body":"doing"},{"speaker":"SPEAKER_01","startTime":509.12,"endTime":509.6,"body":"bigger"},{"speaker":"SPEAKER_01","startTime":509.6,"endTime":510.16,"body":"cards,"},{"speaker":"SPEAKER_01","startTime":510.4,"endTime":510.8,"body":"they're"},{"speaker":"SPEAKER_01","startTime":510.8,"endTime":511.28,"body":"still"},{"speaker":"SPEAKER_01","startTime":511.28,"endTime":511.68,"body":"considered"},{"speaker":"SPEAKER_01","startTime":511.68,"endTime":511.92,"body":"to"},{"speaker":"SPEAKER_01","startTime":511.92,"endTime":512.08,"body":"be"},{"speaker":"SPEAKER_01","startTime":512.08,"endTime":512.32,"body":"like"},{"speaker":"SPEAKER_01","startTime":512.32,"endTime":512.56,"body":"the"},{"speaker":"SPEAKER_01","startTime":512.56,"endTime":513.2,"body":"lenders"},{"speaker":"SPEAKER_01","startTime":513.36,"endTime":513.6,"body":"uh"},{"speaker":"SPEAKER_01","startTime":514.24,"endTime":514.56,"body":"last"},{"speaker":"SPEAKER_01","startTime":514.88,"endTime":515.36,"body":"resort"},{"speaker":"SPEAKER_01","startTime":515.36,"endTime":515.52,"body":"for"},{"speaker":"SPEAKER_01","startTime":515.52,"endTime":515.68,"body":"a"},{"speaker":"SPEAKER_01","startTime":515.68,"endTime":515.92,"body":"lot"},{"speaker":"SPEAKER_01","startTime":515.92,"endTime":516.24,"body":"of"},{"speaker":"SPEAKER_01","startTime":516.24,"endTime":516.56,"body":"people."},{"speaker":"SPEAKER_01","startTime":517.04,"endTime":517.28,"body":"Uh"},{"speaker":"SPEAKER_01","startTime":517.44,"endTime":517.92,"body":"why"},{"speaker":"SPEAKER_01","startTime":517.92,"endTime":518.24,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":518.24,"endTime":518.4,"body":"with"},{"speaker":"SPEAKER_01","startTime":518.4,"endTime":518.72,"body":"bread?"},{"speaker":"SPEAKER_01","startTime":519.12,"endTime":519.36,"body":"Two"},{"speaker":"SPEAKER_01","startTime":519.36,"endTime":520.16,"body":"reasons."},{"speaker":"SPEAKER_01","startTime":520.4,"endTime":520.72,"body":"The"},{"speaker":"SPEAKER_01","startTime":520.72,"endTime":521.12,"body":"high"},{"speaker":"SPEAKER_01","startTime":521.12,"endTime":521.68,"body":"yield,"},{"speaker":"SPEAKER_01","startTime":521.84,"endTime":522.08,"body":"and"},{"speaker":"SPEAKER_01","startTime":522.08,"endTime":522.4,"body":"that's"},{"speaker":"SPEAKER_01","startTime":522.4,"endTime":522.8,"body":"probably"},{"speaker":"SPEAKER_01","startTime":522.8,"endTime":522.96,"body":"because"},{"speaker":"SPEAKER_01","startTime":522.96,"endTime":523.12,"body":"of"},{"speaker":"SPEAKER_01","startTime":523.12,"endTime":523.2,"body":"the"},{"speaker":"SPEAKER_01","startTime":523.2,"endTime":524.08,"body":"comenity"},{"speaker":"SPEAKER_01","startTime":524.08,"endTime":524.4,"body":"bank"},{"speaker":"SPEAKER_01","startTime":524.4,"endTime":524.72,"body":"connection,"},{"speaker":"SPEAKER_01","startTime":524.8,"endTime":525.04,"body":"because"},{"speaker":"SPEAKER_01","startTime":525.04,"endTime":525.2,"body":"they're"},{"speaker":"SPEAKER_01","startTime":525.2,"endTime":525.52,"body":"making"},{"speaker":"SPEAKER_01","startTime":525.52,"endTime":525.68,"body":"more"},{"speaker":"SPEAKER_01","startTime":525.68,"endTime":525.92,"body":"money"},{"speaker":"SPEAKER_01","startTime":525.92,"endTime":526.16,"body":"on"},{"speaker":"SPEAKER_01","startTime":526.16,"endTime":526.64,"body":"interest,"},{"speaker":"SPEAKER_01","startTime":526.8,"endTime":527.12,"body":"and"},{"speaker":"SPEAKER_01","startTime":527.12,"endTime":527.36,"body":"two,"},{"speaker":"SPEAKER_01","startTime":527.68,"endTime":527.84,"body":"their"},{"speaker":"SPEAKER_01","startTime":528.08,"endTime":528.72,"body":"FDIC"},{"speaker":"SPEAKER_01","startTime":528.72,"endTime":529.2,"body":"insured"},{"speaker":"SPEAKER_01","startTime":529.2,"endTime":529.36,"body":"up"},{"speaker":"SPEAKER_01","startTime":529.36,"endTime":529.44,"body":"to"},{"speaker":"SPEAKER_01","startTime":529.44,"endTime":529.52,"body":"a"},{"speaker":"SPEAKER_01","startTime":529.52,"endTime":529.76,"body":"quarter"},{"speaker":"SPEAKER_01","startTime":529.76,"endTime":529.92,"body":"of"},{"speaker":"SPEAKER_01","startTime":529.92,"endTime":530.08,"body":"a"},{"speaker":"SPEAKER_01","startTime":530.08,"endTime":530.56,"body":"million"},{"speaker":"SPEAKER_01","startTime":530.56,"endTime":531.12,"body":"dollars."},{"speaker":"SPEAKER_01","startTime":531.44,"endTime":531.76,"body":"So"},{"speaker":"SPEAKER_01","startTime":532.0,"endTime":532.16,"body":"I"},{"speaker":"SPEAKER_01","startTime":532.16,"endTime":532.48,"body":"don't"},{"speaker":"SPEAKER_01","startTime":532.48,"endTime":532.64,"body":"care"},{"speaker":"SPEAKER_01","startTime":532.64,"endTime":532.88,"body":"if"},{"speaker":"SPEAKER_01","startTime":532.88,"endTime":533.04,"body":"they"},{"speaker":"SPEAKER_01","startTime":533.04,"endTime":533.36,"body":"went"},{"speaker":"SPEAKER_01","startTime":533.36,"endTime":533.76,"body":"broke."},{"speaker":"SPEAKER_01","startTime":533.84,"endTime":534.08,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":534.08,"endTime":534.24,"body":"still"},{"speaker":"SPEAKER_01","startTime":534.24,"endTime":534.4,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":534.4,"endTime":534.56,"body":"get"},{"speaker":"SPEAKER_01","startTime":534.56,"endTime":534.64,"body":"my"},{"speaker":"SPEAKER_01","startTime":534.64,"endTime":534.96,"body":"quarter"},{"speaker":"SPEAKER_01","startTime":534.96,"endTime":535.04,"body":"of"},{"speaker":"SPEAKER_01","startTime":535.04,"endTime":535.12,"body":"a,"},{"speaker":"SPEAKER_01","startTime":535.44,"endTime":535.6,"body":"or"},{"speaker":"SPEAKER_01","startTime":535.84,"endTime":535.92,"body":"I"},{"speaker":"SPEAKER_01","startTime":535.92,"endTime":536.08,"body":"don't"},{"speaker":"SPEAKER_01","startTime":536.08,"endTime":536.16,"body":"have"},{"speaker":"SPEAKER_01","startTime":536.16,"endTime":536.24,"body":"a"},{"speaker":"SPEAKER_01","startTime":536.24,"endTime":536.56,"body":"quarter"},{"speaker":"SPEAKER_01","startTime":536.56,"endTime":536.64,"body":"of"},{"speaker":"SPEAKER_01","startTime":536.64,"endTime":536.72,"body":"a"},{"speaker":"SPEAKER_01","startTime":536.72,"endTime":537.04,"body":"million"},{"speaker":"SPEAKER_01","startTime":537.04,"endTime":537.2,"body":"there,"},{"speaker":"SPEAKER_01","startTime":537.28,"endTime":537.52,"body":"but"},{"speaker":"SPEAKER_01","startTime":537.52,"endTime":537.76,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":537.76,"endTime":538.0,"body":"still"},{"speaker":"SPEAKER_01","startTime":538.0,"endTime":538.24,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":538.24,"endTime":538.4,"body":"get"},{"speaker":"SPEAKER_01","startTime":538.4,"endTime":538.64,"body":"my"},{"speaker":"SPEAKER_01","startTime":538.64,"endTime":539.12,"body":"money"},{"speaker":"SPEAKER_01","startTime":539.12,"endTime":539.36,"body":"out"},{"speaker":"SPEAKER_01","startTime":539.36,"endTime":539.6,"body":"if"},{"speaker":"SPEAKER_01","startTime":539.6,"endTime":539.84,"body":"I"},{"speaker":"SPEAKER_01","startTime":539.84,"endTime":540.16,"body":"want"},{"speaker":"SPEAKER_01","startTime":540.16,"endTime":540.32,"body":"it."},{"speaker":"SPEAKER_01","startTime":540.56,"endTime":540.88,"body":"And"},{"speaker":"SPEAKER_01","startTime":540.88,"endTime":541.2,"body":"yeah,"},{"speaker":"SPEAKER_01","startTime":541.28,"endTime":541.52,"body":"I"},{"speaker":"SPEAKER_01","startTime":541.52,"endTime":541.76,"body":"did"},{"speaker":"SPEAKER_01","startTime":541.76,"endTime":541.92,"body":"have"},{"speaker":"SPEAKER_01","startTime":541.92,"endTime":542.4,"body":"limits"},{"speaker":"SPEAKER_01","startTime":542.4,"endTime":542.56,"body":"on"},{"speaker":"SPEAKER_01","startTime":542.56,"endTime":542.72,"body":"how"},{"speaker":"SPEAKER_01","startTime":542.72,"endTime":542.88,"body":"much"},{"speaker":"SPEAKER_01","startTime":542.88,"endTime":543.04,"body":"I"},{"speaker":"SPEAKER_01","startTime":543.04,"endTime":543.2,"body":"could"},{"speaker":"SPEAKER_01","startTime":543.2,"endTime":543.68,"body":"transfer"},{"speaker":"SPEAKER_01","startTime":543.68,"endTime":543.84,"body":"per"},{"speaker":"SPEAKER_01","startTime":543.84,"endTime":544.08,"body":"day"},{"speaker":"SPEAKER_01","startTime":544.08,"endTime":544.24,"body":"when"},{"speaker":"SPEAKER_01","startTime":544.24,"endTime":544.48,"body":"I"},{"speaker":"SPEAKER_01","startTime":544.48,"endTime":544.8,"body":"started"},{"speaker":"SPEAKER_01","startTime":544.8,"endTime":545.04,"body":"the"},{"speaker":"SPEAKER_01","startTime":545.04,"endTime":545.6,"body":"account,"},{"speaker":"SPEAKER_01","startTime":545.84,"endTime":546.08,"body":"but"},{"speaker":"SPEAKER_01","startTime":546.08,"endTime":546.56,"body":"after"},{"speaker":"SPEAKER_01","startTime":546.56,"endTime":546.8,"body":"several"},{"speaker":"SPEAKER_01","startTime":546.88,"endTime":547.04,"body":"a"},{"speaker":"SPEAKER_01","startTime":547.04,"endTime":547.2,"body":"couple"},{"speaker":"SPEAKER_01","startTime":547.2,"endTime":547.28,"body":"of"},{"speaker":"SPEAKER_01","startTime":547.28,"endTime":547.44,"body":"years,"},{"speaker":"SPEAKER_01","startTime":547.6,"endTime":547.68,"body":"I"},{"speaker":"SPEAKER_01","startTime":547.68,"endTime":547.76,"body":"think"},{"speaker":"SPEAKER_01","startTime":547.76,"endTime":547.92,"body":"I've"},{"speaker":"SPEAKER_01","startTime":547.92,"endTime":548.08,"body":"been"},{"speaker":"SPEAKER_01","startTime":548.08,"endTime":548.24,"body":"there"},{"speaker":"SPEAKER_01","startTime":548.24,"endTime":548.32,"body":"a"},{"speaker":"SPEAKER_01","startTime":548.32,"endTime":548.48,"body":"couple"},{"speaker":"SPEAKER_01","startTime":548.48,"endTime":548.56,"body":"of"},{"speaker":"SPEAKER_01","startTime":548.56,"endTime":548.72,"body":"years"},{"speaker":"SPEAKER_01","startTime":548.72,"endTime":548.96,"body":"now,"},{"speaker":"SPEAKER_01","startTime":549.12,"endTime":549.36,"body":"those"},{"speaker":"SPEAKER_01","startTime":549.36,"endTime":549.76,"body":"limits"},{"speaker":"SPEAKER_01","startTime":549.76,"endTime":549.84,"body":"have"},{"speaker":"SPEAKER_01","startTime":549.84,"endTime":550.0,"body":"been"},{"speaker":"SPEAKER_01","startTime":550.0,"endTime":550.4,"body":"lifted."},{"speaker":"SPEAKER_01","startTime":550.48,"endTime":550.64,"body":"So"},{"speaker":"SPEAKER_01","startTime":550.72,"endTime":550.96,"body":"yeah,"},{"speaker":"SPEAKER_01","startTime":551.04,"endTime":551.2,"body":"there"},{"speaker":"SPEAKER_01","startTime":551.2,"endTime":551.36,"body":"are"},{"speaker":"SPEAKER_01","startTime":551.36,"endTime":551.6,"body":"bad"},{"speaker":"SPEAKER_01","startTime":551.6,"endTime":552.08,"body":"reviews,"},{"speaker":"SPEAKER_01","startTime":552.24,"endTime":552.4,"body":"but"},{"speaker":"SPEAKER_01","startTime":552.4,"endTime":552.8,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":552.8,"endTime":553.04,"body":"not"},{"speaker":"SPEAKER_01","startTime":553.04,"endTime":553.2,"body":"there"},{"speaker":"SPEAKER_01","startTime":553.2,"endTime":553.36,"body":"for"},{"speaker":"SPEAKER_01","startTime":553.36,"endTime":553.52,"body":"the"},{"speaker":"SPEAKER_01","startTime":553.52,"endTime":554.08,"body":"customer"},{"speaker":"SPEAKER_01","startTime":554.08,"endTime":554.48,"body":"service."},{"speaker":"SPEAKER_01","startTime":554.64,"endTime":555.12,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":555.12,"endTime":555.44,"body":"really"},{"speaker":"SPEAKER_01","startTime":555.44,"endTime":555.68,"body":"not."},{"speaker":"SPEAKER_01","startTime":555.92,"endTime":556.16,"body":"I"},{"speaker":"SPEAKER_01","startTime":556.16,"endTime":556.32,"body":"do"},{"speaker":"SPEAKER_01","startTime":556.32,"endTime":556.88,"body":"everything"},{"speaker":"SPEAKER_01","startTime":556.88,"endTime":557.2,"body":"online,"},{"speaker":"SPEAKER_01","startTime":557.44,"endTime":557.68,"body":"and"},{"speaker":"SPEAKER_01","startTime":557.68,"endTime":558.0,"body":"it's"},{"speaker":"SPEAKER_01","startTime":558.0,"endTime":558.24,"body":"just"},{"speaker":"SPEAKER_01","startTime":558.24,"endTime":558.64,"body":"moving"},{"speaker":"SPEAKER_01","startTime":558.64,"endTime":558.96,"body":"money"},{"speaker":"SPEAKER_01","startTime":558.96,"endTime":559.2,"body":"in,"},{"speaker":"SPEAKER_01","startTime":559.36,"endTime":559.68,"body":"moving"},{"speaker":"SPEAKER_01","startTime":559.68,"endTime":560.0,"body":"money"},{"speaker":"SPEAKER_01","startTime":560.0,"endTime":560.16,"body":"out"},{"speaker":"SPEAKER_01","startTime":560.16,"endTime":560.32,"body":"as"},{"speaker":"SPEAKER_01","startTime":560.32,"endTime":560.4,"body":"I"},{"speaker":"SPEAKER_01","startTime":560.4,"endTime":560.56,"body":"need"},{"speaker":"SPEAKER_01","startTime":560.56,"endTime":560.64,"body":"it."},{"speaker":"SPEAKER_01","startTime":560.8,"endTime":561.04,"body":"That's"},{"speaker":"SPEAKER_01","startTime":561.04,"endTime":561.2,"body":"all"},{"speaker":"SPEAKER_01","startTime":561.2,"endTime":561.36,"body":"it's"},{"speaker":"SPEAKER_01","startTime":561.36,"endTime":561.52,"body":"there"},{"speaker":"SPEAKER_01","startTime":561.52,"endTime":561.68,"body":"for."},{"speaker":"SPEAKER_01","startTime":561.76,"endTime":561.92,"body":"That's"},{"speaker":"SPEAKER_01","startTime":561.92,"endTime":562.08,"body":"what"},{"speaker":"SPEAKER_01","startTime":562.08,"endTime":562.16,"body":"a"},{"speaker":"SPEAKER_01","startTime":562.16,"endTime":562.4,"body":"high"},{"speaker":"SPEAKER_01","startTime":562.4,"endTime":562.72,"body":"yield"},{"speaker":"SPEAKER_01","startTime":562.72,"endTime":563.04,"body":"savings"},{"speaker":"SPEAKER_01","startTime":563.04,"endTime":563.36,"body":"account"},{"speaker":"SPEAKER_01","startTime":563.44,"endTime":563.6,"body":"to"},{"speaker":"SPEAKER_01","startTime":563.6,"endTime":563.68,"body":"me"},{"speaker":"SPEAKER_01","startTime":563.84,"endTime":564.24,"body":"does."},{"speaker":"SPEAKER_01","startTime":564.48,"endTime":564.88,"body":"Thanks"},{"speaker":"SPEAKER_01","startTime":564.88,"endTime":565.12,"body":"for"},{"speaker":"SPEAKER_01","startTime":565.12,"endTime":565.28,"body":"your"},{"speaker":"SPEAKER_01","startTime":565.28,"endTime":565.6,"body":"question"},{"speaker":"SPEAKER_01","startTime":565.76,"endTime":566.0,"body":"or"},{"speaker":"SPEAKER_01","startTime":566.0,"endTime":566.24,"body":"your"},{"speaker":"SPEAKER_01","startTime":566.24,"endTime":566.64,"body":"comments"},{"speaker":"SPEAKER_01","startTime":566.72,"endTime":566.96,"body":"or"},{"speaker":"SPEAKER_01","startTime":566.96,"endTime":567.36,"body":"both,"},{"speaker":"SPEAKER_01","startTime":567.52,"endTime":567.76,"body":"and"},{"speaker":"SPEAKER_01","startTime":567.76,"endTime":568.24,"body":"let's"},{"speaker":"SPEAKER_01","startTime":568.24,"endTime":568.48,"body":"do"},{"speaker":"SPEAKER_01","startTime":568.48,"endTime":568.64,"body":"the"},{"speaker":"SPEAKER_01","startTime":568.64,"endTime":568.96,"body":"next"},{"speaker":"SPEAKER_01","startTime":568.96,"endTime":569.12,"body":"one"},{"speaker":"SPEAKER_01","startTime":569.12,"endTime":569.28,"body":"that"},{"speaker":"SPEAKER_01","startTime":569.28,"endTime":569.6,"body":"came"},{"speaker":"SPEAKER_01","startTime":569.6,"endTime":569.84,"body":"in"},{"speaker":"SPEAKER_01","startTime":569.84,"endTime":570.08,"body":"from"},{"speaker":"SPEAKER_01","startTime":570.08,"endTime":571.68,"body":"talkingrealmoney.com"},{"speaker":"SPEAKER_01","startTime":571.84,"endTime":572.0,"body":"on"},{"speaker":"SPEAKER_01","startTime":572.0,"endTime":572.08,"body":"the"},{"speaker":"SPEAKER_01","startTime":572.08,"endTime":572.4,"body":"button"},{"speaker":"SPEAKER_01","startTime":572.4,"endTime":572.48,"body":"that"},{"speaker":"SPEAKER_01","startTime":572.48,"endTime":572.8,"body":"says"},{"speaker":"SPEAKER_01","startTime":572.8,"endTime":573.04,"body":"ask"},{"speaker":"SPEAKER_01","startTime":573.04,"endTime":573.2,"body":"a"},{"speaker":"SPEAKER_01","startTime":573.2,"endTime":573.52,"body":"question,"},{"speaker":"SPEAKER_01","startTime":573.6,"endTime":573.76,"body":"and"},{"speaker":"SPEAKER_01","startTime":573.76,"endTime":573.92,"body":"then"},{"speaker":"SPEAKER_01","startTime":573.92,"endTime":574.08,"body":"it"},{"speaker":"SPEAKER_01","startTime":574.08,"endTime":574.24,"body":"was"},{"speaker":"SPEAKER_01","startTime":574.24,"endTime":574.64,"body":"spoken"},{"speaker":"SPEAKER_01","startTime":574.64,"endTime":574.8,"body":"into"},{"speaker":"SPEAKER_01","startTime":574.8,"endTime":574.88,"body":"a"},{"speaker":"SPEAKER_01","startTime":574.88,"endTime":575.52,"body":"microphone"},{"speaker":"SPEAKER_01","startTime":575.6,"endTime":575.92,"body":"like"},{"speaker":"SPEAKER_01","startTime":575.92,"endTime":576.24,"body":"this."},{"speaker":"SPEAKER_07","startTime":576.72,"endTime":577.04,"body":"Good"},{"speaker":"SPEAKER_07","startTime":577.04,"endTime":578.08,"body":"afternoon."},{"speaker":"SPEAKER_07","startTime":578.4,"endTime":578.64,"body":"My"},{"speaker":"SPEAKER_07","startTime":578.64,"endTime":579.12,"body":"husband"},{"speaker":"SPEAKER_07","startTime":579.12,"endTime":579.44,"body":"and"},{"speaker":"SPEAKER_07","startTime":579.44,"endTime":579.76,"body":"I"},{"speaker":"SPEAKER_07","startTime":579.76,"endTime":580.08,"body":"are"},{"speaker":"SPEAKER_07","startTime":580.08,"endTime":580.4,"body":"about"},{"speaker":"SPEAKER_07","startTime":580.4,"endTime":580.64,"body":"to"},{"speaker":"SPEAKER_07","startTime":580.64,"endTime":581.12,"body":"retire"},{"speaker":"SPEAKER_07","startTime":581.12,"endTime":581.28,"body":"in"},{"speaker":"SPEAKER_07","startTime":581.28,"endTime":581.36,"body":"the"},{"speaker":"SPEAKER_07","startTime":581.36,"endTime":581.68,"body":"next"},{"speaker":"SPEAKER_07","startTime":581.68,"endTime":582.16,"body":"12"},{"speaker":"SPEAKER_07","startTime":582.16,"endTime":582.72,"body":"months,"},{"speaker":"SPEAKER_07","startTime":582.96,"endTime":583.28,"body":"and"},{"speaker":"SPEAKER_07","startTime":583.6,"endTime":583.92,"body":"we"},{"speaker":"SPEAKER_07","startTime":583.92,"endTime":584.24,"body":"are"},{"speaker":"SPEAKER_07","startTime":584.24,"endTime":584.72,"body":"looking"},{"speaker":"SPEAKER_07","startTime":584.72,"endTime":584.96,"body":"for"},{"speaker":"SPEAKER_07","startTime":584.96,"endTime":585.44,"body":"someone"},{"speaker":"SPEAKER_07","startTime":585.44,"endTime":585.68,"body":"to"},{"speaker":"SPEAKER_07","startTime":585.68,"endTime":586.24,"body":"help"},{"speaker":"SPEAKER_07","startTime":586.24,"endTime":586.48,"body":"us"},{"speaker":"SPEAKER_07","startTime":586.8,"endTime":587.44,"body":"solely"},{"speaker":"SPEAKER_07","startTime":587.44,"endTime":587.76,"body":"with"},{"speaker":"SPEAKER_07","startTime":587.92,"endTime":588.24,"body":"the"},{"speaker":"SPEAKER_07","startTime":588.24,"endTime":588.56,"body":"tax"},{"speaker":"SPEAKER_07","startTime":588.88,"endTime":589.84,"body":"planning"},{"speaker":"SPEAKER_07","startTime":590.16,"endTime":590.48,"body":"and"},{"speaker":"SPEAKER_07","startTime":590.48,"endTime":591.36,"body":"withdrawal"},{"speaker":"SPEAKER_07","startTime":591.36,"endTime":592.0,"body":"strategy"},{"speaker":"SPEAKER_07","startTime":592.32,"endTime":592.64,"body":"to"},{"speaker":"SPEAKER_07","startTime":592.64,"endTime":593.52,"body":"minimize"},{"speaker":"SPEAKER_07","startTime":593.52,"endTime":594.16,"body":"Irma"},{"speaker":"SPEAKER_07","startTime":594.96,"endTime":595.28,"body":"and"},{"speaker":"SPEAKER_07","startTime":596.08,"endTime":596.4,"body":"um"},{"speaker":"SPEAKER_07","startTime":596.64,"endTime":596.96,"body":"the"},{"speaker":"SPEAKER_07","startTime":596.96,"endTime":597.28,"body":"cost"},{"speaker":"SPEAKER_07","startTime":597.28,"endTime":597.52,"body":"of"},{"speaker":"SPEAKER_07","startTime":597.52,"endTime":598.32,"body":"Medicare."},{"speaker":"SPEAKER_07","startTime":598.64,"endTime":598.88,"body":"And"},{"speaker":"SPEAKER_07","startTime":598.88,"endTime":599.36,"body":"I'm"},{"speaker":"SPEAKER_07","startTime":599.36,"endTime":599.6,"body":"not"},{"speaker":"SPEAKER_07","startTime":599.6,"endTime":600.24,"body":"sure"},{"speaker":"SPEAKER_07","startTime":600.56,"endTime":600.88,"body":"who"},{"speaker":"SPEAKER_07","startTime":600.96,"endTime":601.12,"body":"we"},{"speaker":"SPEAKER_07","startTime":601.12,"endTime":601.28,"body":"can"},{"speaker":"SPEAKER_07","startTime":601.28,"endTime":601.6,"body":"talk"},{"speaker":"SPEAKER_07","startTime":601.6,"endTime":601.76,"body":"to."},{"speaker":"SPEAKER_07","startTime":601.92,"endTime":602.32,"body":"Everyone"},{"speaker":"SPEAKER_07","startTime":602.32,"endTime":602.56,"body":"I've"},{"speaker":"SPEAKER_07","startTime":602.56,"endTime":602.88,"body":"reached"},{"speaker":"SPEAKER_07","startTime":602.88,"endTime":603.04,"body":"out"},{"speaker":"SPEAKER_07","startTime":603.04,"endTime":603.36,"body":"to"},{"speaker":"SPEAKER_07","startTime":603.36,"endTime":603.68,"body":"so"},{"speaker":"SPEAKER_07","startTime":603.68,"endTime":603.84,"body":"far"},{"speaker":"SPEAKER_07","startTime":604.16,"endTime":604.64,"body":"wants"},{"speaker":"SPEAKER_07","startTime":604.64,"endTime":604.96,"body":"to"},{"speaker":"SPEAKER_07","startTime":604.96,"endTime":605.44,"body":"manage"},{"speaker":"SPEAKER_07","startTime":605.44,"endTime":605.68,"body":"our"},{"speaker":"SPEAKER_07","startTime":605.68,"endTime":606.24,"body":"assets,"},{"speaker":"SPEAKER_07","startTime":606.48,"endTime":606.8,"body":"which"},{"speaker":"SPEAKER_07","startTime":606.8,"endTime":607.12,"body":"we"},{"speaker":"SPEAKER_07","startTime":607.12,"endTime":607.44,"body":"are"},{"speaker":"SPEAKER_07","startTime":607.44,"endTime":608.32,"body":"currently"},{"speaker":"SPEAKER_07","startTime":608.32,"endTime":608.56,"body":"not"},{"speaker":"SPEAKER_07","startTime":608.56,"endTime":609.12,"body":"looking"},{"speaker":"SPEAKER_07","startTime":609.12,"endTime":609.36,"body":"for"},{"speaker":"SPEAKER_07","startTime":609.36,"endTime":609.92,"body":"help"},{"speaker":"SPEAKER_07","startTime":609.92,"endTime":610.08,"body":"with."},{"speaker":"SPEAKER_07","startTime":610.72,"endTime":611.04,"body":"Um"},{"speaker":"SPEAKER_07","startTime":611.68,"endTime":611.84,"body":"if"},{"speaker":"SPEAKER_07","startTime":612.08,"endTime":612.32,"body":"you"},{"speaker":"SPEAKER_07","startTime":612.32,"endTime":612.64,"body":"could"},{"speaker":"SPEAKER_07","startTime":612.64,"endTime":612.96,"body":"let"},{"speaker":"SPEAKER_07","startTime":612.96,"endTime":613.28,"body":"me"},{"speaker":"SPEAKER_07","startTime":613.28,"endTime":613.6,"body":"know"},{"speaker":"SPEAKER_07","startTime":613.84,"endTime":614.16,"body":"how"},{"speaker":"SPEAKER_07","startTime":614.16,"endTime":614.48,"body":"we"},{"speaker":"SPEAKER_07","startTime":614.48,"endTime":615.12,"body":"find"},{"speaker":"SPEAKER_07","startTime":615.12,"endTime":615.44,"body":"a"},{"speaker":"SPEAKER_07","startTime":615.44,"endTime":616.32,"body":"trusted"},{"speaker":"SPEAKER_07","startTime":616.64,"endTime":617.92,"body":"retirement"},{"speaker":"SPEAKER_07","startTime":618.56,"endTime":619.52,"body":"advisor"},{"speaker":"SPEAKER_07","startTime":619.52,"endTime":619.76,"body":"who"},{"speaker":"SPEAKER_07","startTime":619.76,"endTime":620.56,"body":"specializes"},{"speaker":"SPEAKER_07","startTime":620.56,"endTime":620.88,"body":"in"},{"speaker":"SPEAKER_07","startTime":620.88,"endTime":621.2,"body":"tax"},{"speaker":"SPEAKER_07","startTime":621.36,"endTime":621.84,"body":"planning"},{"speaker":"SPEAKER_07","startTime":621.84,"endTime":622.0,"body":"and"},{"speaker":"SPEAKER_07","startTime":622.0,"endTime":622.72,"body":"withdrawal"},{"speaker":"SPEAKER_07","startTime":622.72,"endTime":623.2,"body":"strategy"},{"speaker":"SPEAKER_07","startTime":623.36,"endTime":623.68,"body":"and"},{"speaker":"SPEAKER_07","startTime":623.68,"endTime":624.56,"body":"Medicare,"},{"speaker":"SPEAKER_07","startTime":624.72,"endTime":624.88,"body":"uh,"},{"speaker":"SPEAKER_07","startTime":625.12,"endTime":625.44,"body":"I"},{"speaker":"SPEAKER_07","startTime":625.44,"endTime":625.76,"body":"would"},{"speaker":"SPEAKER_07","startTime":625.76,"endTime":626.08,"body":"very"},{"speaker":"SPEAKER_07","startTime":626.24,"endTime":626.48,"body":"much"},{"speaker":"SPEAKER_07","startTime":626.48,"endTime":627.04,"body":"appreciate"},{"speaker":"SPEAKER_07","startTime":627.04,"endTime":627.2,"body":"it."},{"speaker":"SPEAKER_07","startTime":627.36,"endTime":627.6,"body":"Thank"},{"speaker":"SPEAKER_07","startTime":627.6,"endTime":627.68,"body":"you."},{"speaker":"SPEAKER_01","startTime":628.16,"endTime":628.24,"body":"You"},{"speaker":"SPEAKER_01","startTime":628.24,"endTime":628.32,"body":"know,"},{"speaker":"SPEAKER_01","startTime":628.4,"endTime":628.88,"body":"I'd"},{"speaker":"SPEAKER_01","startTime":628.88,"endTime":629.44,"body":"probably"},{"speaker":"SPEAKER_01","startTime":629.44,"endTime":629.84,"body":"start,"},{"speaker":"SPEAKER_01","startTime":629.92,"endTime":630.24,"body":"since"},{"speaker":"SPEAKER_01","startTime":630.24,"endTime":630.4,"body":"this"},{"speaker":"SPEAKER_01","startTime":630.4,"endTime":630.56,"body":"is"},{"speaker":"SPEAKER_01","startTime":630.56,"endTime":630.88,"body":"all"},{"speaker":"SPEAKER_01","startTime":630.88,"endTime":631.2,"body":"about"},{"speaker":"SPEAKER_01","startTime":631.2,"endTime":631.68,"body":"taxes,"},{"speaker":"SPEAKER_01","startTime":631.92,"endTime":632.24,"body":"really,"},{"speaker":"SPEAKER_01","startTime":632.72,"endTime":632.96,"body":"with"},{"speaker":"SPEAKER_01","startTime":632.96,"endTime":633.2,"body":"a"},{"speaker":"SPEAKER_01","startTime":633.2,"endTime":633.84,"body":"CPA"},{"speaker":"SPEAKER_01","startTime":633.84,"endTime":634.16,"body":"who's"},{"speaker":"SPEAKER_01","startTime":634.16,"endTime":634.32,"body":"just"},{"speaker":"SPEAKER_01","startTime":634.32,"endTime":634.4,"body":"going"},{"speaker":"SPEAKER_01","startTime":634.4,"endTime":634.48,"body":"to"},{"speaker":"SPEAKER_01","startTime":634.48,"endTime":634.8,"body":"charge"},{"speaker":"SPEAKER_01","startTime":634.8,"endTime":634.96,"body":"you"},{"speaker":"SPEAKER_01","startTime":634.96,"endTime":635.12,"body":"on"},{"speaker":"SPEAKER_01","startTime":635.12,"endTime":635.28,"body":"an"},{"speaker":"SPEAKER_01","startTime":635.28,"endTime":635.84,"body":"hourly"},{"speaker":"SPEAKER_01","startTime":635.84,"endTime":636.4,"body":"basis,"},{"speaker":"SPEAKER_01","startTime":636.72,"endTime":637.04,"body":"or"},{"speaker":"SPEAKER_01","startTime":637.2,"endTime":637.6,"body":"maybe"},{"speaker":"SPEAKER_01","startTime":637.6,"endTime":637.84,"body":"even"},{"speaker":"SPEAKER_01","startTime":637.84,"endTime":638.0,"body":"an"},{"speaker":"SPEAKER_01","startTime":638.0,"endTime":638.56,"body":"enrolled"},{"speaker":"SPEAKER_01","startTime":638.56,"endTime":638.88,"body":"agent."},{"speaker":"SPEAKER_01","startTime":638.96,"endTime":639.12,"body":"I"},{"speaker":"SPEAKER_01","startTime":639.12,"endTime":639.2,"body":"mean,"},{"speaker":"SPEAKER_01","startTime":639.28,"endTime":639.44,"body":"this"},{"speaker":"SPEAKER_01","startTime":639.44,"endTime":639.6,"body":"is"},{"speaker":"SPEAKER_01","startTime":639.6,"endTime":639.76,"body":"an"},{"speaker":"SPEAKER_01","startTime":639.76,"endTime":640.24,"body":"area"},{"speaker":"SPEAKER_01","startTime":640.24,"endTime":640.48,"body":"where"},{"speaker":"SPEAKER_01","startTime":640.48,"endTime":640.8,"body":"they"},{"speaker":"SPEAKER_01","startTime":640.88,"endTime":641.2,"body":"uh"},{"speaker":"SPEAKER_01","startTime":641.36,"endTime":641.68,"body":"they"},{"speaker":"SPEAKER_01","startTime":641.68,"endTime":642.0,"body":"can"},{"speaker":"SPEAKER_01","startTime":642.0,"endTime":642.4,"body":"provide"},{"speaker":"SPEAKER_01","startTime":642.4,"endTime":642.64,"body":"some"},{"speaker":"SPEAKER_01","startTime":642.64,"endTime":643.2,"body":"expertise"},{"speaker":"SPEAKER_01","startTime":643.44,"endTime":643.68,"body":"because"},{"speaker":"SPEAKER_01","startTime":643.68,"endTime":643.92,"body":"their"},{"speaker":"SPEAKER_01","startTime":644.4,"endTime":645.12,"body":"specialty"},{"speaker":"SPEAKER_01","startTime":645.44,"endTime":645.76,"body":"is"},{"speaker":"SPEAKER_01","startTime":645.76,"endTime":646.08,"body":"just"},{"speaker":"SPEAKER_01","startTime":646.4,"endTime":647.04,"body":"taxes."},{"speaker":"SPEAKER_01","startTime":647.6,"endTime":647.76,"body":"So"},{"speaker":"SPEAKER_01","startTime":647.84,"endTime":648.16,"body":"those"},{"speaker":"SPEAKER_01","startTime":648.16,"endTime":648.32,"body":"are"},{"speaker":"SPEAKER_01","startTime":648.32,"endTime":648.4,"body":"a"},{"speaker":"SPEAKER_01","startTime":648.4,"endTime":648.72,"body":"couple"},{"speaker":"SPEAKER_01","startTime":648.72,"endTime":648.8,"body":"of"},{"speaker":"SPEAKER_01","startTime":648.8,"endTime":649.12,"body":"places."},{"speaker":"SPEAKER_01","startTime":649.28,"endTime":649.44,"body":"The"},{"speaker":"SPEAKER_01","startTime":649.44,"endTime":649.6,"body":"other"},{"speaker":"SPEAKER_01","startTime":649.6,"endTime":649.76,"body":"thing"},{"speaker":"SPEAKER_01","startTime":649.76,"endTime":650.0,"body":"you"},{"speaker":"SPEAKER_01","startTime":650.0,"endTime":650.24,"body":"could"},{"speaker":"SPEAKER_01","startTime":650.24,"endTime":650.32,"body":"do"},{"speaker":"SPEAKER_01","startTime":650.56,"endTime":650.8,"body":"is"},{"speaker":"SPEAKER_01","startTime":650.96,"endTime":651.44,"body":"instead"},{"speaker":"SPEAKER_01","startTime":651.44,"endTime":651.68,"body":"of"},{"speaker":"SPEAKER_01","startTime":651.68,"endTime":652.4,"body":"getting"},{"speaker":"SPEAKER_01","startTime":652.4,"endTime":652.72,"body":"a"},{"speaker":"SPEAKER_01","startTime":653.04,"endTime":653.84,"body":"registered"},{"speaker":"SPEAKER_01","startTime":653.84,"endTime":654.32,"body":"investment"},{"speaker":"SPEAKER_01","startTime":654.32,"endTime":655.2,"body":"advisor"},{"speaker":"SPEAKER_01","startTime":655.2,"endTime":655.52,"body":"who"},{"speaker":"SPEAKER_01","startTime":655.76,"endTime":656.48,"body":"manages"},{"speaker":"SPEAKER_01","startTime":656.48,"endTime":656.72,"body":"your"},{"speaker":"SPEAKER_01","startTime":656.72,"endTime":657.2,"body":"assets,"},{"speaker":"SPEAKER_01","startTime":657.28,"endTime":657.6,"body":"there"},{"speaker":"SPEAKER_01","startTime":657.6,"endTime":657.84,"body":"are"},{"speaker":"SPEAKER_01","startTime":657.84,"endTime":658.4,"body":"registered"},{"speaker":"SPEAKER_01","startTime":658.4,"endTime":658.88,"body":"investment"},{"speaker":"SPEAKER_01","startTime":658.88,"endTime":659.76,"body":"advisors"},{"speaker":"SPEAKER_01","startTime":659.76,"endTime":660.08,"body":"who"},{"speaker":"SPEAKER_01","startTime":660.08,"endTime":660.4,"body":"work"},{"speaker":"SPEAKER_01","startTime":660.72,"endTime":661.28,"body":"solely"},{"speaker":"SPEAKER_01","startTime":661.28,"endTime":661.44,"body":"on"},{"speaker":"SPEAKER_01","startTime":661.44,"endTime":661.6,"body":"an"},{"speaker":"SPEAKER_01","startTime":661.6,"endTime":662.16,"body":"hourly"},{"speaker":"SPEAKER_01","startTime":662.16,"endTime":662.72,"body":"basis,"},{"speaker":"SPEAKER_01","startTime":663.04,"endTime":663.52,"body":"don't"},{"speaker":"SPEAKER_01","startTime":663.52,"endTime":663.92,"body":"take"},{"speaker":"SPEAKER_01","startTime":663.92,"endTime":664.48,"body":"custody"},{"speaker":"SPEAKER_01","startTime":664.48,"endTime":664.56,"body":"of"},{"speaker":"SPEAKER_01","startTime":664.56,"endTime":664.64,"body":"your"},{"speaker":"SPEAKER_01","startTime":664.64,"endTime":664.88,"body":"money,"},{"speaker":"SPEAKER_01","startTime":664.96,"endTime":665.12,"body":"so"},{"speaker":"SPEAKER_01","startTime":665.2,"endTime":665.44,"body":"therefore"},{"speaker":"SPEAKER_01","startTime":665.52,"endTime":665.68,"body":"they"},{"speaker":"SPEAKER_01","startTime":665.68,"endTime":665.92,"body":"have"},{"speaker":"SPEAKER_01","startTime":665.92,"endTime":666.24,"body":"no"},{"speaker":"SPEAKER_01","startTime":666.24,"endTime":666.72,"body":"interest"},{"speaker":"SPEAKER_01","startTime":666.72,"endTime":666.96,"body":"in"},{"speaker":"SPEAKER_01","startTime":666.96,"endTime":667.6,"body":"giving"},{"speaker":"SPEAKER_01","startTime":667.6,"endTime":667.84,"body":"you"},{"speaker":"SPEAKER_01","startTime":667.84,"endTime":668.72,"body":"managerial"},{"speaker":"SPEAKER_01","startTime":668.72,"endTime":669.2,"body":"advice,"},{"speaker":"SPEAKER_01","startTime":669.36,"endTime":669.68,"body":"only"},{"speaker":"SPEAKER_01","startTime":669.76,"endTime":669.84,"body":"uh"},{"speaker":"SPEAKER_01","startTime":669.92,"endTime":670.0,"body":"uh"},{"speaker":"SPEAKER_01","startTime":670.24,"endTime":670.72,"body":"telling"},{"speaker":"SPEAKER_01","startTime":670.72,"endTime":670.88,"body":"you"},{"speaker":"SPEAKER_01","startTime":670.88,"endTime":671.04,"body":"how"},{"speaker":"SPEAKER_01","startTime":671.04,"endTime":671.2,"body":"to"},{"speaker":"SPEAKER_01","startTime":671.2,"endTime":671.52,"body":"move"},{"speaker":"SPEAKER_01","startTime":671.52,"endTime":671.76,"body":"what"},{"speaker":"SPEAKER_01","startTime":671.84,"endTime":672.0,"body":"from"},{"speaker":"SPEAKER_01","startTime":672.0,"endTime":672.24,"body":"where"},{"speaker":"SPEAKER_01","startTime":672.24,"endTime":672.56,"body":"to"},{"speaker":"SPEAKER_01","startTime":672.64,"endTime":672.88,"body":"and"},{"speaker":"SPEAKER_01","startTime":672.88,"endTime":673.12,"body":"for"},{"speaker":"SPEAKER_01","startTime":673.12,"endTime":673.44,"body":"what"},{"speaker":"SPEAKER_01","startTime":673.44,"endTime":674.08,"body":"reason."},{"speaker":"SPEAKER_01","startTime":674.32,"endTime":674.64,"body":"So"},{"speaker":"SPEAKER_01","startTime":674.96,"endTime":675.28,"body":"um"},{"speaker":"SPEAKER_01","startTime":676.16,"endTime":676.4,"body":"and"},{"speaker":"SPEAKER_01","startTime":676.4,"endTime":676.64,"body":"the"},{"speaker":"SPEAKER_01","startTime":676.64,"endTime":676.88,"body":"the"},{"speaker":"SPEAKER_01","startTime":676.88,"endTime":677.04,"body":"of"},{"speaker":"SPEAKER_01","startTime":677.04,"endTime":677.2,"body":"the"},{"speaker":"SPEAKER_01","startTime":677.36,"endTime":677.6,"body":"of"},{"speaker":"SPEAKER_01","startTime":677.6,"endTime":677.84,"body":"the"},{"speaker":"SPEAKER_01","startTime":677.84,"endTime":678.4,"body":"three,"},{"speaker":"SPEAKER_01","startTime":678.64,"endTime":678.96,"body":"the"},{"speaker":"SPEAKER_01","startTime":678.96,"endTime":679.84,"body":"cheapest"},{"speaker":"SPEAKER_01","startTime":679.84,"endTime":680.08,"body":"is"},{"speaker":"SPEAKER_01","startTime":680.08,"endTime":680.48,"body":"probably"},{"speaker":"SPEAKER_01","startTime":680.48,"endTime":680.72,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":680.72,"endTime":680.88,"body":"be"},{"speaker":"SPEAKER_01","startTime":680.88,"endTime":681.12,"body":"an"},{"speaker":"SPEAKER_01","startTime":681.12,"endTime":681.84,"body":"enrolled"},{"speaker":"SPEAKER_01","startTime":681.84,"endTime":682.48,"body":"agent,"},{"speaker":"SPEAKER_01","startTime":682.8,"endTime":683.12,"body":"if"},{"speaker":"SPEAKER_01","startTime":683.12,"endTime":683.28,"body":"you"},{"speaker":"SPEAKER_01","startTime":683.28,"endTime":683.44,"body":"can"},{"speaker":"SPEAKER_01","startTime":683.44,"endTime":683.84,"body":"find"},{"speaker":"SPEAKER_01","startTime":683.84,"endTime":684.24,"body":"somebody"},{"speaker":"SPEAKER_01","startTime":684.24,"endTime":684.4,"body":"who"},{"speaker":"SPEAKER_01","startTime":684.48,"endTime":684.72,"body":"uh"},{"speaker":"SPEAKER_01","startTime":685.04,"endTime":685.36,"body":"who"},{"speaker":"SPEAKER_01","startTime":685.36,"endTime":685.68,"body":"will"},{"speaker":"SPEAKER_01","startTime":685.68,"endTime":686.0,"body":"do"},{"speaker":"SPEAKER_01","startTime":686.0,"endTime":686.24,"body":"that."},{"speaker":"SPEAKER_01","startTime":686.48,"endTime":686.72,"body":"But"},{"speaker":"SPEAKER_01","startTime":686.8,"endTime":687.04,"body":"uh"},{"speaker":"SPEAKER_01","startTime":687.6,"endTime":688.24,"body":"otherwise"},{"speaker":"SPEAKER_01","startTime":688.32,"endTime":688.56,"body":"a"},{"speaker":"SPEAKER_01","startTime":688.56,"endTime":688.88,"body":"uh"},{"speaker":"SPEAKER_01","startTime":688.88,"endTime":689.12,"body":"a"},{"speaker":"SPEAKER_01","startTime":689.44,"endTime":690.32,"body":"CPA"},{"speaker":"SPEAKER_01","startTime":690.32,"endTime":690.64,"body":"or"},{"speaker":"SPEAKER_01","startTime":690.64,"endTime":690.88,"body":"an"},{"speaker":"SPEAKER_01","startTime":690.88,"endTime":691.76,"body":"hourly"},{"speaker":"SPEAKER_01","startTime":692.4,"endTime":693.04,"body":"fee"},{"speaker":"SPEAKER_01","startTime":693.52,"endTime":694.0,"body":"financial"},{"speaker":"SPEAKER_01","startTime":694.0,"endTime":694.4,"body":"planner,"},{"speaker":"SPEAKER_01","startTime":694.56,"endTime":695.04,"body":"certified"},{"speaker":"SPEAKER_01","startTime":695.04,"endTime":695.36,"body":"financial"},{"speaker":"SPEAKER_01","startTime":695.36,"endTime":695.6,"body":"planner,"},{"speaker":"SPEAKER_01","startTime":695.76,"endTime":696.24,"body":"RIA,"},{"speaker":"SPEAKER_01","startTime":696.4,"endTime":696.56,"body":"that"},{"speaker":"SPEAKER_01","startTime":696.56,"endTime":696.72,"body":"kind"},{"speaker":"SPEAKER_01","startTime":696.72,"endTime":696.8,"body":"of"},{"speaker":"SPEAKER_01","startTime":696.8,"endTime":697.04,"body":"thing."},{"speaker":"SPEAKER_01","startTime":697.2,"endTime":697.36,"body":"And"},{"speaker":"SPEAKER_01","startTime":697.36,"endTime":697.6,"body":"you're"},{"speaker":"SPEAKER_01","startTime":697.6,"endTime":697.84,"body":"just"},{"speaker":"SPEAKER_01","startTime":697.84,"endTime":698.08,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":698.08,"endTime":698.24,"body":"ha"},{"speaker":"SPEAKER_01","startTime":698.56,"endTime":698.8,"body":"I"},{"speaker":"SPEAKER_01","startTime":698.8,"endTime":699.12,"body":"wish"},{"speaker":"SPEAKER_01","startTime":699.12,"endTime":699.36,"body":"there"},{"speaker":"SPEAKER_01","startTime":699.36,"endTime":699.52,"body":"was"},{"speaker":"SPEAKER_01","startTime":699.52,"endTime":699.76,"body":"a"},{"speaker":"SPEAKER_01","startTime":699.76,"endTime":700.0,"body":"a"},{"speaker":"SPEAKER_01","startTime":700.0,"endTime":700.48,"body":"resource"},{"speaker":"SPEAKER_01","startTime":700.48,"endTime":700.72,"body":"where"},{"speaker":"SPEAKER_01","startTime":700.72,"endTime":700.8,"body":"I"},{"speaker":"SPEAKER_01","startTime":700.8,"endTime":700.96,"body":"could"},{"speaker":"SPEAKER_01","startTime":700.96,"endTime":701.04,"body":"say,"},{"speaker":"SPEAKER_01","startTime":701.2,"endTime":701.36,"body":"go"},{"speaker":"SPEAKER_01","startTime":701.36,"endTime":701.52,"body":"here"},{"speaker":"SPEAKER_01","startTime":701.6,"endTime":701.68,"body":"and"},{"speaker":"SPEAKER_01","startTime":701.68,"endTime":701.92,"body":"you'll"},{"speaker":"SPEAKER_01","startTime":701.92,"endTime":702.16,"body":"find"},{"speaker":"SPEAKER_01","startTime":702.16,"endTime":702.24,"body":"a"},{"speaker":"SPEAKER_01","startTime":702.24,"endTime":702.72,"body":"great"},{"speaker":"SPEAKER_01","startTime":702.72,"endTime":703.04,"body":"one."},{"speaker":"SPEAKER_01","startTime":703.44,"endTime":703.76,"body":"There"},{"speaker":"SPEAKER_01","startTime":703.76,"endTime":704.24,"body":"isn't."},{"speaker":"SPEAKER_01","startTime":704.4,"endTime":704.64,"body":"Most"},{"speaker":"SPEAKER_01","startTime":704.64,"endTime":704.72,"body":"of"},{"speaker":"SPEAKER_01","startTime":704.72,"endTime":704.88,"body":"the"},{"speaker":"SPEAKER_01","startTime":704.88,"endTime":705.44,"body":"resources"},{"speaker":"SPEAKER_01","startTime":705.44,"endTime":705.68,"body":"out"},{"speaker":"SPEAKER_01","startTime":705.68,"endTime":705.84,"body":"there"},{"speaker":"SPEAKER_01","startTime":705.84,"endTime":706.0,"body":"are"},{"speaker":"SPEAKER_01","startTime":706.0,"endTime":706.72,"body":"filled"},{"speaker":"SPEAKER_01","startTime":706.72,"endTime":707.04,"body":"with"},{"speaker":"SPEAKER_01","startTime":707.52,"endTime":707.84,"body":"a"},{"speaker":"SPEAKER_01","startTime":707.84,"endTime":708.16,"body":"lot"},{"speaker":"SPEAKER_01","startTime":708.16,"endTime":708.48,"body":"of"},{"speaker":"SPEAKER_01","startTime":708.48,"endTime":709.36,"body":"mediocre"},{"speaker":"SPEAKER_01","startTime":709.36,"endTime":709.52,"body":"and"},{"speaker":"SPEAKER_01","startTime":709.52,"endTime":709.84,"body":"even"},{"speaker":"SPEAKER_01","startTime":709.84,"endTime":710.24,"body":"bad"},{"speaker":"SPEAKER_01","startTime":710.24,"endTime":710.64,"body":"ones."},{"speaker":"SPEAKER_01","startTime":710.8,"endTime":711.04,"body":"So"},{"speaker":"SPEAKER_01","startTime":711.12,"endTime":711.44,"body":"there"},{"speaker":"SPEAKER_01","startTime":711.44,"endTime":711.6,"body":"are"},{"speaker":"SPEAKER_01","startTime":711.6,"endTime":711.76,"body":"no"},{"speaker":"SPEAKER_01","startTime":711.76,"endTime":712.08,"body":"great"},{"speaker":"SPEAKER_01","startTime":712.08,"endTime":712.64,"body":"resources"},{"speaker":"SPEAKER_01","startTime":712.64,"endTime":712.88,"body":"because"},{"speaker":"SPEAKER_01","startTime":712.88,"endTime":713.36,"body":"everybody"},{"speaker":"SPEAKER_01","startTime":713.36,"endTime":713.76,"body":"wants"},{"speaker":"SPEAKER_01","startTime":713.76,"endTime":714.08,"body":"to"},{"speaker":"SPEAKER_01","startTime":714.08,"endTime":714.32,"body":"think"},{"speaker":"SPEAKER_01","startTime":714.32,"endTime":714.72,"body":"they're"},{"speaker":"SPEAKER_01","startTime":714.72,"endTime":714.96,"body":"the"},{"speaker":"SPEAKER_01","startTime":714.96,"endTime":715.12,"body":"best"},{"speaker":"SPEAKER_01","startTime":715.28,"endTime":715.6,"body":"and"},{"speaker":"SPEAKER_01","startTime":715.6,"endTime":715.92,"body":"most"},{"speaker":"SPEAKER_01","startTime":716.08,"endTime":716.72,"body":"aren't."},{"speaker":"SPEAKER_01","startTime":717.04,"endTime":717.28,"body":"But"},{"speaker":"SPEAKER_01","startTime":717.36,"endTime":717.6,"body":"but"},{"speaker":"SPEAKER_01","startTime":717.6,"endTime":718.24,"body":"enrolled"},{"speaker":"SPEAKER_01","startTime":718.24,"endTime":718.64,"body":"agents"},{"speaker":"SPEAKER_01","startTime":718.64,"endTime":718.8,"body":"are"},{"speaker":"SPEAKER_01","startTime":718.88,"endTime":719.04,"body":"are"},{"speaker":"SPEAKER_01","startTime":719.04,"endTime":719.52,"body":"IRS"},{"speaker":"SPEAKER_01","startTime":719.52,"endTime":719.92,"body":"licensed"},{"speaker":"SPEAKER_01","startTime":720.0,"endTime":720.08,"body":"and"},{"speaker":"SPEAKER_01","startTime":720.08,"endTime":720.4,"body":"they're"},{"speaker":"SPEAKER_01","startTime":720.4,"endTime":720.64,"body":"tax"},{"speaker":"SPEAKER_01","startTime":720.8,"endTime":721.36,"body":"specialists,"},{"speaker":"SPEAKER_01","startTime":721.44,"endTime":721.6,"body":"and"},{"speaker":"SPEAKER_01","startTime":721.6,"endTime":721.92,"body":"they're"},{"speaker":"SPEAKER_01","startTime":721.92,"endTime":722.24,"body":"more"},{"speaker":"SPEAKER_01","startTime":722.64,"endTime":722.96,"body":"they're"},{"speaker":"SPEAKER_01","startTime":722.96,"endTime":723.2,"body":"more"},{"speaker":"SPEAKER_01","startTime":723.2,"endTime":723.92,"body":"focused"},{"speaker":"SPEAKER_01","startTime":723.92,"endTime":724.24,"body":"on"},{"speaker":"SPEAKER_01","startTime":724.24,"endTime":724.8,"body":"planning,"},{"speaker":"SPEAKER_01","startTime":724.88,"endTime":725.12,"body":"I"},{"speaker":"SPEAKER_01","startTime":725.12,"endTime":725.36,"body":"think."},{"speaker":"SPEAKER_01","startTime":725.68,"endTime":725.84,"body":"It's"},{"speaker":"SPEAKER_01","startTime":726.0,"endTime":726.16,"body":"at"},{"speaker":"SPEAKER_01","startTime":726.16,"endTime":726.4,"body":"least"},{"speaker":"SPEAKER_01","startTime":726.4,"endTime":726.64,"body":"it's"},{"speaker":"SPEAKER_01","startTime":726.64,"endTime":726.8,"body":"an"},{"speaker":"SPEAKER_01","startTime":726.8,"endTime":727.12,"body":"area"},{"speaker":"SPEAKER_01","startTime":727.12,"endTime":727.36,"body":"to"},{"speaker":"SPEAKER_01","startTime":727.36,"endTime":727.92,"body":"explore."},{"speaker":"SPEAKER_01","startTime":728.24,"endTime":728.64,"body":"Good"},{"speaker":"SPEAKER_01","startTime":728.64,"endTime":728.96,"body":"luck"},{"speaker":"SPEAKER_01","startTime":729.12,"endTime":729.44,"body":"and"},{"speaker":"SPEAKER_01","startTime":729.44,"endTime":729.84,"body":"thanks"},{"speaker":"SPEAKER_01","startTime":729.84,"endTime":730.08,"body":"for"},{"speaker":"SPEAKER_01","startTime":730.08,"endTime":730.48,"body":"sending"},{"speaker":"SPEAKER_01","startTime":730.48,"endTime":730.72,"body":"in"},{"speaker":"SPEAKER_01","startTime":730.72,"endTime":730.88,"body":"your"},{"speaker":"SPEAKER_01","startTime":730.88,"endTime":731.2,"body":"question."},{"speaker":"SPEAKER_01","startTime":731.28,"endTime":731.52,"body":"I"},{"speaker":"SPEAKER_01","startTime":731.52,"endTime":731.68,"body":"really"},{"speaker":"SPEAKER_01","startTime":731.68,"endTime":732.08,"body":"appreciate"},{"speaker":"SPEAKER_01","startTime":732.08,"endTime":732.32,"body":"it,"},{"speaker":"SPEAKER_01","startTime":732.4,"endTime":732.56,"body":"and"},{"speaker":"SPEAKER_01","startTime":732.56,"endTime":732.72,"body":"we"},{"speaker":"SPEAKER_01","startTime":732.72,"endTime":732.96,"body":"still"},{"speaker":"SPEAKER_01","startTime":732.96,"endTime":733.12,"body":"have"},{"speaker":"SPEAKER_01","startTime":733.12,"endTime":733.28,"body":"more"},{"speaker":"SPEAKER_01","startTime":733.28,"endTime":733.36,"body":"to"},{"speaker":"SPEAKER_01","startTime":733.36,"endTime":733.52,"body":"come."},{"speaker":"SPEAKER_01","startTime":733.68,"endTime":734.0,"body":"Here's"},{"speaker":"SPEAKER_01","startTime":734.08,"endTime":734.16,"body":"the"},{"speaker":"SPEAKER_01","startTime":734.16,"endTime":734.32,"body":"next"},{"speaker":"SPEAKER_01","startTime":734.32,"endTime":734.4,"body":"one."},{"speaker":"SPEAKER_02","startTime":734.64,"endTime":734.8,"body":"Hi,"},{"speaker":"SPEAKER_02","startTime":734.96,"endTime":735.12,"body":"Don."},{"speaker":"SPEAKER_02","startTime":735.28,"endTime":735.44,"body":"This"},{"speaker":"SPEAKER_02","startTime":735.44,"endTime":735.6,"body":"is"},{"speaker":"SPEAKER_02","startTime":735.6,"endTime":736.24,"body":"Andrew."},{"speaker":"SPEAKER_02","startTime":736.4,"endTime":736.64,"body":"I"},{"speaker":"SPEAKER_02","startTime":736.64,"endTime":736.8,"body":"was"},{"speaker":"SPEAKER_02","startTime":736.8,"endTime":737.12,"body":"wondering"},{"speaker":"SPEAKER_02","startTime":737.12,"endTime":737.28,"body":"if"},{"speaker":"SPEAKER_02","startTime":737.28,"endTime":737.44,"body":"it"},{"speaker":"SPEAKER_02","startTime":737.44,"endTime":737.52,"body":"was"},{"speaker":"SPEAKER_02","startTime":737.52,"endTime":737.68,"body":"a"},{"speaker":"SPEAKER_02","startTime":737.68,"endTime":737.84,"body":"good"},{"speaker":"SPEAKER_02","startTime":737.84,"endTime":738.24,"body":"idea"},{"speaker":"SPEAKER_02","startTime":738.56,"endTime":738.8,"body":"to"},{"speaker":"SPEAKER_02","startTime":738.8,"endTime":738.96,"body":"go"},{"speaker":"SPEAKER_02","startTime":738.96,"endTime":739.2,"body":"from"},{"speaker":"SPEAKER_02","startTime":739.2,"endTime":739.52,"body":"investing"},{"speaker":"SPEAKER_02","startTime":739.52,"endTime":739.76,"body":"in"},{"speaker":"SPEAKER_02","startTime":739.76,"endTime":740.16,"body":"Roth"},{"speaker":"SPEAKER_02","startTime":740.4,"endTime":740.64,"body":"to"},{"speaker":"SPEAKER_02","startTime":740.64,"endTime":741.6,"body":"traditional"},{"speaker":"SPEAKER_02","startTime":742.16,"endTime":742.48,"body":"if"},{"speaker":"SPEAKER_02","startTime":742.56,"endTime":742.72,"body":"on"},{"speaker":"SPEAKER_02","startTime":742.72,"endTime":742.88,"body":"the"},{"speaker":"SPEAKER_02","startTime":742.88,"endTime":743.28,"body":"FAFSA"},{"speaker":"SPEAKER_02","startTime":743.6,"endTime":743.76,"body":"form"},{"speaker":"SPEAKER_02","startTime":743.84,"endTime":743.92,"body":"it"},{"speaker":"SPEAKER_02","startTime":743.92,"endTime":744.08,"body":"would"},{"speaker":"SPEAKER_02","startTime":744.08,"endTime":744.32,"body":"change"},{"speaker":"SPEAKER_02","startTime":744.32,"endTime":744.4,"body":"my"},{"speaker":"SPEAKER_02","startTime":744.4,"endTime":744.64,"body":"income"},{"speaker":"SPEAKER_02","startTime":744.64,"endTime":744.96,"body":"enough"},{"speaker":"SPEAKER_02","startTime":744.96,"endTime":745.12,"body":"to"},{"speaker":"SPEAKER_02","startTime":745.12,"endTime":745.36,"body":"allow"},{"speaker":"SPEAKER_02","startTime":745.36,"endTime":745.52,"body":"my"},{"speaker":"SPEAKER_02","startTime":745.52,"endTime":745.84,"body":"children"},{"speaker":"SPEAKER_02","startTime":745.84,"endTime":745.92,"body":"to"},{"speaker":"SPEAKER_02","startTime":745.92,"endTime":746.24,"body":"get"},{"speaker":"SPEAKER_02","startTime":746.24,"endTime":746.4,"body":"a"},{"speaker":"SPEAKER_02","startTime":746.4,"endTime":746.72,"body":"Pell"},{"speaker":"SPEAKER_02","startTime":746.88,"endTime":747.2,"body":"Grant."},{"speaker":"SPEAKER_02","startTime":747.28,"endTime":747.6,"body":"Thank"},{"speaker":"SPEAKER_02","startTime":747.6,"endTime":747.84,"body":"you."},{"speaker":"SPEAKER_01","startTime":748.16,"endTime":748.4,"body":"It"},{"speaker":"SPEAKER_01","startTime":748.4,"endTime":748.88,"body":"sounds"},{"speaker":"SPEAKER_01","startTime":748.88,"endTime":749.04,"body":"like"},{"speaker":"SPEAKER_01","startTime":749.04,"endTime":749.2,"body":"it"},{"speaker":"SPEAKER_01","startTime":749.2,"endTime":749.36,"body":"would"},{"speaker":"SPEAKER_01","startTime":749.36,"endTime":749.52,"body":"make"},{"speaker":"SPEAKER_01","startTime":749.52,"endTime":749.84,"body":"sense,"},{"speaker":"SPEAKER_01","startTime":749.92,"endTime":750.32,"body":"doesn't"},{"speaker":"SPEAKER_01","startTime":750.32,"endTime":750.48,"body":"it?"},{"speaker":"SPEAKER_01","startTime":750.8,"endTime":751.2,"body":"Because"},{"speaker":"SPEAKER_01","startTime":751.2,"endTime":751.44,"body":"the"},{"speaker":"SPEAKER_01","startTime":751.44,"endTime":752.16,"body":"FAFSA"},{"speaker":"SPEAKER_01","startTime":752.32,"endTime":752.48,"body":"is"},{"speaker":"SPEAKER_01","startTime":752.48,"endTime":752.64,"body":"looking"},{"speaker":"SPEAKER_01","startTime":752.64,"endTime":752.88,"body":"at"},{"speaker":"SPEAKER_01","startTime":752.88,"endTime":753.52,"body":"AGI,"},{"speaker":"SPEAKER_01","startTime":753.6,"endTime":753.76,"body":"your"},{"speaker":"SPEAKER_01","startTime":753.76,"endTime":754.24,"body":"adjusted"},{"speaker":"SPEAKER_01","startTime":754.24,"endTime":754.48,"body":"gross"},{"speaker":"SPEAKER_01","startTime":754.72,"endTime":755.36,"body":"income."},{"speaker":"SPEAKER_01","startTime":755.84,"endTime":756.8,"body":"However,"},{"speaker":"SPEAKER_01","startTime":758.4,"endTime":758.72,"body":"they"},{"speaker":"SPEAKER_01","startTime":758.72,"endTime":759.28,"body":"figured"},{"speaker":"SPEAKER_01","startTime":759.28,"endTime":759.6,"body":"this"},{"speaker":"SPEAKER_01","startTime":759.6,"endTime":759.76,"body":"out"},{"speaker":"SPEAKER_01","startTime":760.0,"endTime":760.24,"body":"because"},{"speaker":"SPEAKER_01","startTime":760.24,"endTime":760.4,"body":"they"},{"speaker":"SPEAKER_01","startTime":760.4,"endTime":760.88,"body":"figured"},{"speaker":"SPEAKER_01","startTime":760.88,"endTime":761.12,"body":"people"},{"speaker":"SPEAKER_01","startTime":761.12,"endTime":761.36,"body":"would"},{"speaker":"SPEAKER_01","startTime":761.36,"endTime":761.68,"body":"do"},{"speaker":"SPEAKER_01","startTime":761.68,"endTime":762.0,"body":"this."},{"speaker":"SPEAKER_01","startTime":762.32,"endTime":762.64,"body":"So"},{"speaker":"SPEAKER_01","startTime":762.8,"endTime":763.12,"body":"what"},{"speaker":"SPEAKER_01","startTime":763.12,"endTime":763.36,"body":"they"},{"speaker":"SPEAKER_01","startTime":763.36,"endTime":763.6,"body":"do"},{"speaker":"SPEAKER_01","startTime":763.6,"endTime":763.76,"body":"is"},{"speaker":"SPEAKER_01","startTime":763.76,"endTime":764.0,"body":"they"},{"speaker":"SPEAKER_01","startTime":764.0,"endTime":764.4,"body":"adjust"},{"speaker":"SPEAKER_01","startTime":764.4,"endTime":764.56,"body":"your"},{"speaker":"SPEAKER_01","startTime":764.56,"endTime":764.96,"body":"income"},{"speaker":"SPEAKER_01","startTime":764.96,"endTime":765.12,"body":"by"},{"speaker":"SPEAKER_01","startTime":765.12,"endTime":765.28,"body":"the"},{"speaker":"SPEAKER_01","startTime":765.28,"endTime":765.52,"body":"amount"},{"speaker":"SPEAKER_01","startTime":765.52,"endTime":765.68,"body":"of"},{"speaker":"SPEAKER_01","startTime":765.68,"endTime":765.76,"body":"the"},{"speaker":"SPEAKER_01","startTime":765.76,"endTime":766.24,"body":"traditional"},{"speaker":"SPEAKER_01","startTime":766.24,"endTime":766.88,"body":"IRA"},{"speaker":"SPEAKER_01","startTime":766.88,"endTime":767.6,"body":"contribution,"},{"speaker":"SPEAKER_01","startTime":767.76,"endTime":767.92,"body":"and"},{"speaker":"SPEAKER_01","startTime":767.92,"endTime":768.24,"body":"then"},{"speaker":"SPEAKER_01","startTime":768.24,"endTime":768.56,"body":"they"},{"speaker":"SPEAKER_01","startTime":768.56,"endTime":768.88,"body":"add"},{"speaker":"SPEAKER_01","startTime":768.88,"endTime":769.2,"body":"back"},{"speaker":"SPEAKER_01","startTime":769.2,"endTime":769.52,"body":"in"},{"speaker":"SPEAKER_01","startTime":769.52,"endTime":769.76,"body":"the"},{"speaker":"SPEAKER_01","startTime":769.76,"endTime":770.08,"body":"amount"},{"speaker":"SPEAKER_01","startTime":770.08,"endTime":770.24,"body":"of"},{"speaker":"SPEAKER_01","startTime":770.24,"endTime":770.48,"body":"the"},{"speaker":"SPEAKER_01","startTime":770.48,"endTime":771.12,"body":"traditional"},{"speaker":"SPEAKER_01","startTime":771.12,"endTime":771.84,"body":"IRA"},{"speaker":"SPEAKER_01","startTime":771.84,"endTime":772.8,"body":"contribution,"},{"speaker":"SPEAKER_01","startTime":773.44,"endTime":774.24,"body":"effectively"},{"speaker":"SPEAKER_01","startTime":774.48,"endTime":775.36,"body":"canceling"},{"speaker":"SPEAKER_01","startTime":775.36,"endTime":775.68,"body":"it"},{"speaker":"SPEAKER_01","startTime":775.68,"endTime":776.0,"body":"out."},{"speaker":"SPEAKER_01","startTime":776.4,"endTime":776.96,"body":"Except"},{"speaker":"SPEAKER_01","startTime":776.96,"endTime":777.2,"body":"in"},{"speaker":"SPEAKER_01","startTime":777.2,"endTime":777.52,"body":"some"},{"speaker":"SPEAKER_01","startTime":777.52,"endTime":777.84,"body":"very"},{"speaker":"SPEAKER_01","startTime":777.84,"endTime":778.24,"body":"rare"},{"speaker":"SPEAKER_01","startTime":778.24,"endTime":778.72,"body":"cases"},{"speaker":"SPEAKER_01","startTime":778.72,"endTime":778.88,"body":"that"},{"speaker":"SPEAKER_01","startTime":778.88,"endTime":779.12,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":779.12,"endTime":779.28,"body":"not"},{"speaker":"SPEAKER_01","startTime":779.28,"endTime":779.44,"body":"going"},{"speaker":"SPEAKER_01","startTime":779.44,"endTime":779.6,"body":"to"},{"speaker":"SPEAKER_01","startTime":779.6,"endTime":779.92,"body":"get"},{"speaker":"SPEAKER_01","startTime":779.92,"endTime":780.16,"body":"into"},{"speaker":"SPEAKER_01","startTime":780.48,"endTime":780.8,"body":"because"},{"speaker":"SPEAKER_01","startTime":781.04,"endTime":781.52,"body":"they're"},{"speaker":"SPEAKER_01","startTime":781.52,"endTime":782.16,"body":"highly"},{"speaker":"SPEAKER_01","startTime":782.16,"endTime":782.72,"body":"specific,"},{"speaker":"SPEAKER_01","startTime":782.8,"endTime":783.04,"body":"and"},{"speaker":"SPEAKER_01","startTime":783.04,"endTime":783.52,"body":"we're"},{"speaker":"SPEAKER_01","startTime":783.52,"endTime":783.84,"body":"about"},{"speaker":"SPEAKER_01","startTime":783.84,"endTime":784.72,"body":"generalized"},{"speaker":"SPEAKER_01","startTime":784.72,"endTime":785.2,"body":"advice."},{"speaker":"SPEAKER_01","startTime":785.36,"endTime":785.68,"body":"So"},{"speaker":"SPEAKER_01","startTime":785.92,"endTime":786.24,"body":"in"},{"speaker":"SPEAKER_01","startTime":786.24,"endTime":786.56,"body":"most"},{"speaker":"SPEAKER_01","startTime":786.56,"endTime":787.2,"body":"cases,"},{"speaker":"SPEAKER_01","startTime":787.6,"endTime":787.84,"body":"this"},{"speaker":"SPEAKER_01","startTime":787.92,"endTime":788.24,"body":"I"},{"speaker":"SPEAKER_01","startTime":788.24,"endTime":788.56,"body":"believe"},{"speaker":"SPEAKER_01","startTime":788.72,"endTime":788.88,"body":"is"},{"speaker":"SPEAKER_01","startTime":788.88,"endTime":789.2,"body":"a"},{"speaker":"SPEAKER_01","startTime":789.2,"endTime":789.84,"body":"strategy"},{"speaker":"SPEAKER_01","startTime":789.84,"endTime":790.16,"body":"that"},{"speaker":"SPEAKER_01","startTime":790.16,"endTime":790.48,"body":"will"},{"speaker":"SPEAKER_01","startTime":790.48,"endTime":790.8,"body":"not"},{"speaker":"SPEAKER_01","startTime":790.8,"endTime":791.12,"body":"work."},{"speaker":"SPEAKER_01","startTime":791.68,"endTime":792.24,"body":"They"},{"speaker":"SPEAKER_01","startTime":792.24,"endTime":793.04,"body":"already"},{"speaker":"SPEAKER_01","startTime":793.04,"endTime":793.92,"body":"figured"},{"speaker":"SPEAKER_01","startTime":793.92,"endTime":794.24,"body":"out"},{"speaker":"SPEAKER_01","startTime":794.4,"endTime":794.72,"body":"that"},{"speaker":"SPEAKER_01","startTime":794.72,"endTime":795.04,"body":"people"},{"speaker":"SPEAKER_01","startTime":795.28,"endTime":795.44,"body":"are"},{"speaker":"SPEAKER_01","startTime":795.44,"endTime":795.68,"body":"trying"},{"speaker":"SPEAKER_01","startTime":795.68,"endTime":795.92,"body":"to"},{"speaker":"SPEAKER_01","startTime":795.92,"endTime":796.32,"body":"game"},{"speaker":"SPEAKER_01","startTime":796.32,"endTime":796.64,"body":"the"},{"speaker":"SPEAKER_01","startTime":796.64,"endTime":796.96,"body":"system,"},{"speaker":"SPEAKER_01","startTime":797.2,"endTime":797.52,"body":"and"},{"speaker":"SPEAKER_01","startTime":797.52,"endTime":797.76,"body":"uh"},{"speaker":"SPEAKER_01","startTime":797.92,"endTime":798.24,"body":"so"},{"speaker":"SPEAKER_01","startTime":798.48,"endTime":798.8,"body":"they"},{"speaker":"SPEAKER_01","startTime":798.8,"endTime":799.12,"body":"uh"},{"speaker":"SPEAKER_01","startTime":799.92,"endTime":800.72,"body":"eliminated"},{"speaker":"SPEAKER_01","startTime":800.72,"endTime":800.88,"body":"it."},{"speaker":"SPEAKER_01","startTime":801.52,"endTime":801.76,"body":"You"},{"speaker":"SPEAKER_01","startTime":801.76,"endTime":802.08,"body":"adjust"},{"speaker":"SPEAKER_01","startTime":802.08,"endTime":802.24,"body":"your"},{"speaker":"SPEAKER_01","startTime":802.24,"endTime":802.72,"body":"AGI"},{"speaker":"SPEAKER_01","startTime":802.8,"endTime":802.96,"body":"and"},{"speaker":"SPEAKER_01","startTime":802.96,"endTime":803.12,"body":"then"},{"speaker":"SPEAKER_01","startTime":803.12,"endTime":803.36,"body":"you"},{"speaker":"SPEAKER_01","startTime":803.36,"endTime":803.6,"body":"add"},{"speaker":"SPEAKER_01","startTime":803.6,"endTime":803.76,"body":"it"},{"speaker":"SPEAKER_01","startTime":803.76,"endTime":804.0,"body":"right"},{"speaker":"SPEAKER_01","startTime":804.0,"endTime":804.24,"body":"back"},{"speaker":"SPEAKER_01","startTime":804.24,"endTime":804.48,"body":"into"},{"speaker":"SPEAKER_01","startTime":804.48,"endTime":804.72,"body":"your"},{"speaker":"SPEAKER_01","startTime":804.72,"endTime":805.36,"body":"AGI."},{"speaker":"SPEAKER_01","startTime":806.16,"endTime":806.32,"body":"I"},{"speaker":"SPEAKER_01","startTime":806.32,"endTime":806.56,"body":"don't"},{"speaker":"SPEAKER_01","startTime":806.56,"endTime":806.72,"body":"know"},{"speaker":"SPEAKER_01","startTime":806.72,"endTime":807.04,"body":"why"},{"speaker":"SPEAKER_01","startTime":807.04,"endTime":807.28,"body":"it"},{"speaker":"SPEAKER_01","startTime":807.28,"endTime":807.84,"body":"reduces"},{"speaker":"SPEAKER_01","startTime":807.84,"endTime":808.0,"body":"it"},{"speaker":"SPEAKER_01","startTime":808.0,"endTime":808.08,"body":"in"},{"speaker":"SPEAKER_01","startTime":808.08,"endTime":808.16,"body":"the"},{"speaker":"SPEAKER_01","startTime":808.16,"endTime":808.32,"body":"first"},{"speaker":"SPEAKER_01","startTime":808.32,"endTime":808.48,"body":"place,"},{"speaker":"SPEAKER_01","startTime":808.56,"endTime":808.72,"body":"but"},{"speaker":"SPEAKER_01","startTime":808.72,"endTime":808.8,"body":"it"},{"speaker":"SPEAKER_01","startTime":808.88,"endTime":808.96,"body":"I"},{"speaker":"SPEAKER_01","startTime":809.12,"endTime":809.28,"body":"it"},{"speaker":"SPEAKER_01","startTime":809.28,"endTime":809.52,"body":"does"},{"speaker":"SPEAKER_01","startTime":809.52,"endTime":809.68,"body":"from"},{"speaker":"SPEAKER_01","startTime":809.68,"endTime":809.84,"body":"a"},{"speaker":"SPEAKER_01","startTime":809.84,"endTime":810.08,"body":"tax"},{"speaker":"SPEAKER_01","startTime":810.08,"endTime":810.8,"body":"standpoint."},{"speaker":"SPEAKER_01","startTime":811.2,"endTime":811.68,"body":"Thanks"},{"speaker":"SPEAKER_01","startTime":811.68,"endTime":811.84,"body":"for"},{"speaker":"SPEAKER_01","startTime":811.84,"endTime":812.08,"body":"the"},{"speaker":"SPEAKER_01","startTime":812.08,"endTime":812.48,"body":"question."},{"speaker":"SPEAKER_01","startTime":812.8,"endTime":813.12,"body":"Again,"},{"speaker":"SPEAKER_01","startTime":813.28,"endTime":813.6,"body":"send"},{"speaker":"SPEAKER_01","startTime":813.6,"endTime":813.76,"body":"in"},{"speaker":"SPEAKER_01","startTime":813.76,"endTime":813.92,"body":"your"},{"speaker":"SPEAKER_01","startTime":813.92,"endTime":814.24,"body":"questions"},{"speaker":"SPEAKER_01","startTime":814.24,"endTime":814.4,"body":"at"},{"speaker":"SPEAKER_01","startTime":814.4,"endTime":815.84,"body":"talkingrealmoney.com"},{"speaker":"SPEAKER_01","startTime":815.84,"endTime":815.92,"body":"on"},{"speaker":"SPEAKER_01","startTime":815.92,"endTime":816.0,"body":"the"},{"speaker":"SPEAKER_01","startTime":816.0,"endTime":816.4,"body":"contact"},{"speaker":"SPEAKER_01","startTime":816.4,"endTime":816.48,"body":"form."},{"speaker":"SPEAKER_01","startTime":816.72,"endTime":816.8,"body":"You"},{"speaker":"SPEAKER_01","startTime":816.8,"endTime":816.96,"body":"can"},{"speaker":"SPEAKER_01","startTime":816.96,"endTime":817.2,"body":"type"},{"speaker":"SPEAKER_01","startTime":817.2,"endTime":817.36,"body":"them"},{"speaker":"SPEAKER_01","startTime":817.44,"endTime":817.6,"body":"and"},{"speaker":"SPEAKER_01","startTime":817.6,"endTime":817.84,"body":"they'll"},{"speaker":"SPEAKER_01","startTime":817.84,"endTime":818.0,"body":"get"},{"speaker":"SPEAKER_01","startTime":818.0,"endTime":818.4,"body":"answered"},{"speaker":"SPEAKER_01","startTime":818.4,"endTime":818.8,"body":"somewhere"},{"speaker":"SPEAKER_01","startTime":818.8,"endTime":819.04,"body":"along"},{"speaker":"SPEAKER_01","startTime":819.04,"endTime":819.2,"body":"the"},{"speaker":"SPEAKER_01","startTime":819.2,"endTime":819.36,"body":"way"},{"speaker":"SPEAKER_01","startTime":819.36,"endTime":819.52,"body":"in"},{"speaker":"SPEAKER_01","startTime":819.52,"endTime":819.68,"body":"one"},{"speaker":"SPEAKER_01","startTime":819.68,"endTime":819.76,"body":"of"},{"speaker":"SPEAKER_01","startTime":819.76,"endTime":819.84,"body":"the"},{"speaker":"SPEAKER_01","startTime":819.84,"endTime":820.48,"body":"podcasts,"},{"speaker":"SPEAKER_01","startTime":820.72,"endTime":820.96,"body":"or"},{"speaker":"SPEAKER_01","startTime":820.96,"endTime":821.2,"body":"you"},{"speaker":"SPEAKER_01","startTime":821.2,"endTime":821.44,"body":"can"},{"speaker":"SPEAKER_01","startTime":821.44,"endTime":822.0,"body":"speak"},{"speaker":"SPEAKER_01","startTime":822.0,"endTime":822.32,"body":"them"},{"speaker":"SPEAKER_01","startTime":822.32,"endTime":822.56,"body":"into"},{"speaker":"SPEAKER_01","startTime":822.56,"endTime":822.72,"body":"your"},{"speaker":"SPEAKER_01","startTime":822.72,"endTime":823.12,"body":"microphone"},{"speaker":"SPEAKER_01","startTime":823.2,"endTime":823.36,"body":"and"},{"speaker":"SPEAKER_01","startTime":823.36,"endTime":823.52,"body":"they"},{"speaker":"SPEAKER_01","startTime":823.52,"endTime":823.68,"body":"get"},{"speaker":"SPEAKER_01","startTime":823.68,"endTime":824.0,"body":"answered"},{"speaker":"SPEAKER_01","startTime":824.0,"endTime":824.08,"body":"on"},{"speaker":"SPEAKER_01","startTime":824.08,"endTime":824.16,"body":"the"},{"speaker":"SPEAKER_01","startTime":824.16,"endTime":824.8,"body":"Friday"},{"speaker":"SPEAKER_01","startTime":824.8,"endTime":825.36,"body":"QA"},{"speaker":"SPEAKER_01","startTime":825.36,"endTime":825.84,"body":"podcast,"},{"speaker":"SPEAKER_01","startTime":825.92,"endTime":826.08,"body":"which"},{"speaker":"SPEAKER_01","startTime":826.08,"endTime":826.32,"body":"is"},{"speaker":"SPEAKER_01","startTime":826.32,"endTime":826.64,"body":"this"},{"speaker":"SPEAKER_01","startTime":826.64,"endTime":826.96,"body":"one"},{"speaker":"SPEAKER_01","startTime":826.96,"endTime":827.12,"body":"that"},{"speaker":"SPEAKER_01","startTime":827.12,"endTime":827.52,"body":"we're"},{"speaker":"SPEAKER_01","startTime":827.52,"endTime":827.92,"body":"doing"},{"speaker":"SPEAKER_01","startTime":827.92,"endTime":828.24,"body":"right"},{"speaker":"SPEAKER_01","startTime":828.24,"endTime":828.56,"body":"now."},{"speaker":"SPEAKER_01","startTime":829.76,"endTime":830.08,"body":"And"},{"speaker":"SPEAKER_01","startTime":830.08,"endTime":830.4,"body":"I"},{"speaker":"SPEAKER_01","startTime":830.4,"endTime":830.72,"body":"think"},{"speaker":"SPEAKER_01","startTime":831.68,"endTime":832.32,"body":"Yeah."},{"speaker":"SPEAKER_01","startTime":832.96,"endTime":833.44,"body":"We've"},{"speaker":"SPEAKER_01","startTime":833.44,"endTime":833.76,"body":"reached"},{"speaker":"SPEAKER_01","startTime":833.76,"endTime":834.0,"body":"the"},{"speaker":"SPEAKER_01","startTime":834.0,"endTime":834.32,"body":"final"},{"speaker":"SPEAKER_01","startTime":834.32,"endTime":834.64,"body":"question"},{"speaker":"SPEAKER_01","startTime":834.64,"endTime":834.8,"body":"for"},{"speaker":"SPEAKER_01","startTime":834.8,"endTime":834.88,"body":"the"},{"speaker":"SPEAKER_01","startTime":834.88,"endTime":835.04,"body":"day."},{"speaker":"SPEAKER_06","startTime":835.44,"endTime":835.6,"body":"Hi,"},{"speaker":"SPEAKER_06","startTime":835.68,"endTime":835.84,"body":"Don"},{"speaker":"SPEAKER_06","startTime":836.0,"endTime":836.16,"body":"and"},{"speaker":"SPEAKER_06","startTime":836.16,"endTime":836.32,"body":"Tom."},{"speaker":"SPEAKER_06","startTime":836.4,"endTime":836.48,"body":"This"},{"speaker":"SPEAKER_06","startTime":836.48,"endTime":836.64,"body":"is"},{"speaker":"SPEAKER_06","startTime":836.64,"endTime":836.8,"body":"Les"},{"speaker":"SPEAKER_06","startTime":836.96,"endTime":837.12,"body":"from"},{"speaker":"SPEAKER_06","startTime":837.12,"endTime":837.52,"body":"Geek"},{"speaker":"SPEAKER_06","startTime":837.52,"endTime":837.92,"body":"Harbor,"},{"speaker":"SPEAKER_06","startTime":838.0,"endTime":838.56,"body":"Washington."},{"speaker":"SPEAKER_06","startTime":838.72,"endTime":838.96,"body":"I"},{"speaker":"SPEAKER_06","startTime":838.96,"endTime":839.28,"body":"made"},{"speaker":"SPEAKER_06","startTime":839.28,"endTime":839.6,"body":"sure"},{"speaker":"SPEAKER_06","startTime":839.6,"endTime":839.92,"body":"to"},{"speaker":"SPEAKER_06","startTime":839.92,"endTime":840.32,"body":"speak"},{"speaker":"SPEAKER_06","startTime":840.32,"endTime":840.48,"body":"in"},{"speaker":"SPEAKER_06","startTime":840.48,"endTime":840.8,"body":"the"},{"speaker":"SPEAKER_06","startTime":840.8,"endTime":841.28,"body":"question"},{"speaker":"SPEAKER_06","startTime":841.28,"endTime":841.52,"body":"so"},{"speaker":"SPEAKER_06","startTime":841.52,"endTime":841.84,"body":"that"},{"speaker":"SPEAKER_06","startTime":841.84,"endTime":842.16,"body":"Don"},{"speaker":"SPEAKER_06","startTime":842.16,"endTime":842.4,"body":"could"},{"speaker":"SPEAKER_06","startTime":842.4,"endTime":842.96,"body":"hear"},{"speaker":"SPEAKER_06","startTime":842.96,"endTime":843.28,"body":"me"},{"speaker":"SPEAKER_06","startTime":843.52,"endTime":844.32,"body":"appreciate"},{"speaker":"SPEAKER_06","startTime":844.32,"endTime":844.64,"body":"Tom"},{"speaker":"SPEAKER_06","startTime":844.64,"endTime":844.8,"body":"for"},{"speaker":"SPEAKER_06","startTime":844.8,"endTime":845.04,"body":"his"},{"speaker":"SPEAKER_06","startTime":845.04,"endTime":845.36,"body":"dad"},{"speaker":"SPEAKER_06","startTime":845.36,"endTime":845.68,"body":"jokes."},{"speaker":"SPEAKER_01","startTime":846.0,"endTime":846.08,"body":"All"},{"speaker":"SPEAKER_01","startTime":846.08,"endTime":846.16,"body":"right,"},{"speaker":"SPEAKER_01","startTime":846.24,"endTime":846.4,"body":"well,"},{"speaker":"SPEAKER_01","startTime":846.56,"endTime":846.8,"body":"you"},{"speaker":"SPEAKER_01","startTime":846.8,"endTime":847.2,"body":"forgot"},{"speaker":"SPEAKER_01","startTime":847.2,"endTime":847.44,"body":"that"},{"speaker":"SPEAKER_01","startTime":847.44,"endTime":847.68,"body":"I"},{"speaker":"SPEAKER_01","startTime":847.68,"endTime":847.84,"body":"do"},{"speaker":"SPEAKER_01","startTime":847.84,"endTime":848.0,"body":"the"},{"speaker":"SPEAKER_01","startTime":848.0,"endTime":848.48,"body":"editing,"},{"speaker":"SPEAKER_01","startTime":848.64,"endTime":848.88,"body":"so"},{"speaker":"SPEAKER_01","startTime":848.88,"endTime":849.2,"body":"I"},{"speaker":"SPEAKER_01","startTime":849.2,"endTime":849.52,"body":"could"},{"speaker":"SPEAKER_01","startTime":849.52,"endTime":849.84,"body":"just"},{"speaker":"SPEAKER_01","startTime":849.84,"endTime":850.08,"body":"get"},{"speaker":"SPEAKER_01","startTime":850.08,"endTime":850.24,"body":"rid"},{"speaker":"SPEAKER_01","startTime":850.24,"endTime":850.48,"body":"of"},{"speaker":"SPEAKER_01","startTime":850.48,"endTime":850.72,"body":"you"},{"speaker":"SPEAKER_01","startTime":850.72,"endTime":851.28,"body":"completely"},{"speaker":"SPEAKER_01","startTime":851.52,"endTime":851.84,"body":"and"},{"speaker":"SPEAKER_01","startTime":851.84,"endTime":852.16,"body":"not"},{"speaker":"SPEAKER_01","startTime":852.16,"endTime":852.48,"body":"take"},{"speaker":"SPEAKER_01","startTime":852.48,"endTime":852.64,"body":"your"},{"speaker":"SPEAKER_01","startTime":852.64,"endTime":852.96,"body":"question"},{"speaker":"SPEAKER_01","startTime":852.96,"endTime":853.12,"body":"or"},{"speaker":"SPEAKER_01","startTime":853.12,"endTime":853.44,"body":"anything"},{"speaker":"SPEAKER_01","startTime":853.52,"endTime":853.68,"body":"and"},{"speaker":"SPEAKER_01","startTime":853.68,"endTime":853.84,"body":"get"},{"speaker":"SPEAKER_01","startTime":853.84,"endTime":854.0,"body":"rid"},{"speaker":"SPEAKER_01","startTime":854.0,"endTime":854.08,"body":"of"},{"speaker":"SPEAKER_01","startTime":854.08,"endTime":854.32,"body":"that"},{"speaker":"SPEAKER_01","startTime":854.32,"endTime":854.56,"body":"part"},{"speaker":"SPEAKER_01","startTime":854.56,"endTime":854.72,"body":"you"},{"speaker":"SPEAKER_01","startTime":854.72,"endTime":854.88,"body":"just"},{"speaker":"SPEAKER_01","startTime":854.88,"endTime":855.28,"body":"spoke."},{"speaker":"SPEAKER_01","startTime":855.52,"endTime":855.76,"body":"But"},{"speaker":"SPEAKER_01","startTime":856.08,"endTime":856.48,"body":"being"},{"speaker":"SPEAKER_01","startTime":856.48,"endTime":856.64,"body":"the"},{"speaker":"SPEAKER_01","startTime":856.64,"endTime":856.96,"body":"nice"},{"speaker":"SPEAKER_01","startTime":856.96,"endTime":857.2,"body":"guy"},{"speaker":"SPEAKER_01","startTime":857.2,"endTime":857.36,"body":"that"},{"speaker":"SPEAKER_01","startTime":857.36,"endTime":857.6,"body":"I"},{"speaker":"SPEAKER_01","startTime":857.6,"endTime":857.76,"body":"am,"},{"speaker":"SPEAKER_01","startTime":857.84,"endTime":858.32,"body":"I'll"},{"speaker":"SPEAKER_01","startTime":858.32,"endTime":858.64,"body":"just"},{"speaker":"SPEAKER_01","startTime":858.64,"endTime":859.04,"body":"leave"},{"speaker":"SPEAKER_01","startTime":859.04,"endTime":859.36,"body":"it"},{"speaker":"SPEAKER_01","startTime":859.36,"endTime":859.6,"body":"here"},{"speaker":"SPEAKER_01","startTime":859.92,"endTime":860.24,"body":"and"},{"speaker":"SPEAKER_01","startTime":860.8,"endTime":861.12,"body":"take"},{"speaker":"SPEAKER_01","startTime":861.12,"endTime":861.36,"body":"your"},{"speaker":"SPEAKER_01","startTime":861.36,"endTime":861.6,"body":"question."},{"speaker":"SPEAKER_06","startTime":862.0,"endTime":862.16,"body":"I"},{"speaker":"SPEAKER_06","startTime":862.16,"endTime":862.32,"body":"have"},{"speaker":"SPEAKER_06","startTime":862.32,"endTime":862.4,"body":"a"},{"speaker":"SPEAKER_06","startTime":862.4,"endTime":862.88,"body":"question"},{"speaker":"SPEAKER_06","startTime":862.88,"endTime":863.2,"body":"about"},{"speaker":"SPEAKER_06","startTime":863.2,"endTime":863.84,"body":"selling"},{"speaker":"SPEAKER_06","startTime":864.72,"endTime":865.36,"body":"mutual"},{"speaker":"SPEAKER_06","startTime":865.36,"endTime":865.76,"body":"share"},{"speaker":"SPEAKER_06","startTime":865.76,"endTime":866.0,"body":"or"},{"speaker":"SPEAKER_06","startTime":866.0,"endTime":866.64,"body":"ETF"},{"speaker":"SPEAKER_06","startTime":866.64,"endTime":867.2,"body":"funds"},{"speaker":"SPEAKER_06","startTime":867.2,"endTime":867.36,"body":"from"},{"speaker":"SPEAKER_06","startTime":867.36,"endTime":867.6,"body":"a"},{"speaker":"SPEAKER_06","startTime":867.6,"endTime":868.24,"body":"brokerage"},{"speaker":"SPEAKER_06","startTime":868.24,"endTime":868.56,"body":"account."},{"speaker":"SPEAKER_06","startTime":868.72,"endTime":869.28,"body":"Assuming"},{"speaker":"SPEAKER_06","startTime":869.28,"endTime":869.6,"body":"I"},{"speaker":"SPEAKER_06","startTime":869.6,"endTime":869.92,"body":"need"},{"speaker":"SPEAKER_06","startTime":869.92,"endTime":870.24,"body":"to"},{"speaker":"SPEAKER_06","startTime":870.56,"endTime":870.88,"body":"sell"},{"speaker":"SPEAKER_06","startTime":871.04,"endTime":871.28,"body":"some"},{"speaker":"SPEAKER_06","startTime":871.28,"endTime":871.92,"body":"shares"},{"speaker":"SPEAKER_06","startTime":872.72,"endTime":873.04,"body":"to"},{"speaker":"SPEAKER_06","startTime":873.04,"endTime":873.28,"body":"pay"},{"speaker":"SPEAKER_06","startTime":873.28,"endTime":873.44,"body":"for"},{"speaker":"SPEAKER_06","startTime":873.44,"endTime":873.6,"body":"an"},{"speaker":"SPEAKER_06","startTime":873.6,"endTime":874.16,"body":"expense"},{"speaker":"SPEAKER_06","startTime":874.16,"endTime":874.4,"body":"from"},{"speaker":"SPEAKER_06","startTime":874.4,"endTime":874.56,"body":"a"},{"speaker":"SPEAKER_06","startTime":874.56,"endTime":875.2,"body":"brokerage"},{"speaker":"SPEAKER_06","startTime":875.2,"endTime":875.52,"body":"account."},{"speaker":"SPEAKER_06","startTime":875.68,"endTime":875.92,"body":"Is"},{"speaker":"SPEAKER_06","startTime":875.92,"endTime":876.08,"body":"it"},{"speaker":"SPEAKER_06","startTime":876.08,"endTime":877.04,"body":"reasonable"},{"speaker":"SPEAKER_06","startTime":877.36,"endTime":877.68,"body":"to"},{"speaker":"SPEAKER_06","startTime":877.68,"endTime":878.0,"body":"sell"},{"speaker":"SPEAKER_06","startTime":878.08,"endTime":878.32,"body":"the"},{"speaker":"SPEAKER_06","startTime":878.32,"endTime":879.12,"body":"shares"},{"speaker":"SPEAKER_06","startTime":879.12,"endTime":879.44,"body":"that"},{"speaker":"SPEAKER_06","startTime":879.44,"endTime":879.76,"body":"are"},{"speaker":"SPEAKER_06","startTime":879.76,"endTime":880.08,"body":"at"},{"speaker":"SPEAKER_06","startTime":880.08,"endTime":880.72,"body":"minimal"},{"speaker":"SPEAKER_06","startTime":881.36,"endTime":881.68,"body":"uh"},{"speaker":"SPEAKER_06","startTime":881.68,"endTime":882.32,"body":"capital"},{"speaker":"SPEAKER_06","startTime":882.32,"endTime":882.88,"body":"gain"},{"speaker":"SPEAKER_06","startTime":882.88,"endTime":883.12,"body":"to"},{"speaker":"SPEAKER_06","startTime":883.12,"endTime":883.76,"body":"avoid"},{"speaker":"SPEAKER_06","startTime":883.76,"endTime":884.4,"body":"taxes"},{"speaker":"SPEAKER_06","startTime":884.56,"endTime":884.96,"body":"rather"},{"speaker":"SPEAKER_06","startTime":884.96,"endTime":885.2,"body":"than"},{"speaker":"SPEAKER_06","startTime":885.2,"endTime":885.68,"body":"selling"},{"speaker":"SPEAKER_06","startTime":885.68,"endTime":885.92,"body":"any"},{"speaker":"SPEAKER_06","startTime":885.92,"endTime":886.48,"body":"shares"},{"speaker":"SPEAKER_06","startTime":886.48,"endTime":886.64,"body":"at"},{"speaker":"SPEAKER_06","startTime":886.64,"endTime":886.96,"body":"a"},{"speaker":"SPEAKER_06","startTime":886.96,"endTime":887.36,"body":"loss"},{"speaker":"SPEAKER_06","startTime":887.6,"endTime":887.92,"body":"and"},{"speaker":"SPEAKER_06","startTime":887.92,"endTime":888.24,"body":"wait"},{"speaker":"SPEAKER_06","startTime":888.24,"endTime":888.64,"body":"instead"},{"speaker":"SPEAKER_06","startTime":888.64,"endTime":888.8,"body":"for"},{"speaker":"SPEAKER_06","startTime":888.8,"endTime":889.12,"body":"those"},{"speaker":"SPEAKER_06","startTime":889.12,"endTime":889.52,"body":"shares"},{"speaker":"SPEAKER_06","startTime":889.52,"endTime":889.76,"body":"to"},{"speaker":"SPEAKER_06","startTime":889.76,"endTime":889.92,"body":"come"},{"speaker":"SPEAKER_06","startTime":889.92,"endTime":890.16,"body":"up"},{"speaker":"SPEAKER_06","startTime":890.16,"endTime":890.4,"body":"in"},{"speaker":"SPEAKER_06","startTime":890.4,"endTime":890.96,"body":"value?"},{"speaker":"SPEAKER_06","startTime":891.52,"endTime":891.76,"body":"This"},{"speaker":"SPEAKER_06","startTime":891.76,"endTime":892.0,"body":"is"},{"speaker":"SPEAKER_06","startTime":892.0,"endTime":892.48,"body":"assuming"},{"speaker":"SPEAKER_06","startTime":892.48,"endTime":892.64,"body":"that"},{"speaker":"SPEAKER_06","startTime":892.64,"endTime":892.8,"body":"I"},{"speaker":"SPEAKER_06","startTime":892.8,"endTime":892.96,"body":"do"},{"speaker":"SPEAKER_06","startTime":892.96,"endTime":893.2,"body":"not"},{"speaker":"SPEAKER_06","startTime":893.2,"endTime":893.36,"body":"want"},{"speaker":"SPEAKER_06","startTime":893.36,"endTime":893.6,"body":"a"},{"speaker":"SPEAKER_06","startTime":893.6,"endTime":893.92,"body":"tax"},{"speaker":"SPEAKER_06","startTime":893.92,"endTime":894.32,"body":"loss"},{"speaker":"SPEAKER_06","startTime":894.32,"endTime":894.96,"body":"harvest"},{"speaker":"SPEAKER_06","startTime":895.44,"endTime":895.76,"body":"and"},{"speaker":"SPEAKER_06","startTime":895.76,"endTime":896.08,"body":"that"},{"speaker":"SPEAKER_06","startTime":896.4,"endTime":896.72,"body":"my"},{"speaker":"SPEAKER_06","startTime":896.72,"endTime":897.6,"body":"portfolio"},{"speaker":"SPEAKER_06","startTime":897.6,"endTime":898.24,"body":"consists"},{"speaker":"SPEAKER_06","startTime":898.24,"endTime":898.48,"body":"only"},{"speaker":"SPEAKER_06","startTime":898.48,"endTime":898.72,"body":"of"},{"speaker":"SPEAKER_06","startTime":898.72,"endTime":899.6,"body":"broad-based"},{"speaker":"SPEAKER_06","startTime":899.6,"endTime":900.16,"body":"index"},{"speaker":"SPEAKER_06","startTime":900.16,"endTime":900.48,"body":"funds."},{"speaker":"SPEAKER_06","startTime":900.72,"endTime":900.96,"body":"It"},{"speaker":"SPEAKER_06","startTime":900.96,"endTime":901.12,"body":"would"},{"speaker":"SPEAKER_06","startTime":901.12,"endTime":901.52,"body":"seem"},{"speaker":"SPEAKER_06","startTime":901.52,"endTime":901.84,"body":"that"},{"speaker":"SPEAKER_06","startTime":901.84,"endTime":902.48,"body":"shares"},{"speaker":"SPEAKER_06","startTime":902.48,"endTime":902.8,"body":"that"},{"speaker":"SPEAKER_06","startTime":902.8,"endTime":903.12,"body":"are"},{"speaker":"SPEAKER_06","startTime":903.12,"endTime":903.28,"body":"at"},{"speaker":"SPEAKER_06","startTime":903.28,"endTime":903.52,"body":"a"},{"speaker":"SPEAKER_06","startTime":903.52,"endTime":904.0,"body":"current"},{"speaker":"SPEAKER_06","startTime":904.0,"endTime":904.32,"body":"loss,"},{"speaker":"SPEAKER_06","startTime":904.48,"endTime":904.72,"body":"we"},{"speaker":"SPEAKER_06","startTime":904.72,"endTime":904.88,"body":"would"},{"speaker":"SPEAKER_06","startTime":904.88,"endTime":904.96,"body":"be"},{"speaker":"SPEAKER_06","startTime":904.96,"endTime":905.2,"body":"able"},{"speaker":"SPEAKER_06","startTime":905.2,"endTime":905.44,"body":"to"},{"speaker":"SPEAKER_06","startTime":905.44,"endTime":905.84,"body":"wait"},{"speaker":"SPEAKER_06","startTime":905.84,"endTime":906.16,"body":"over"},{"speaker":"SPEAKER_06","startTime":906.16,"endTime":906.48,"body":"time"},{"speaker":"SPEAKER_06","startTime":906.64,"endTime":906.96,"body":"and"},{"speaker":"SPEAKER_06","startTime":906.96,"endTime":907.2,"body":"they"},{"speaker":"SPEAKER_06","startTime":907.2,"endTime":907.68,"body":"should"},{"speaker":"SPEAKER_06","startTime":907.68,"endTime":908.0,"body":"come"},{"speaker":"SPEAKER_06","startTime":908.0,"endTime":908.16,"body":"back"},{"speaker":"SPEAKER_06","startTime":908.56,"endTime":908.8,"body":"so"},{"speaker":"SPEAKER_06","startTime":908.8,"endTime":909.04,"body":"that"},{"speaker":"SPEAKER_06","startTime":909.04,"endTime":909.28,"body":"we"},{"speaker":"SPEAKER_06","startTime":909.28,"endTime":909.52,"body":"do"},{"speaker":"SPEAKER_06","startTime":909.52,"endTime":909.84,"body":"not"},{"speaker":"SPEAKER_06","startTime":909.84,"endTime":910.16,"body":"have"},{"speaker":"SPEAKER_06","startTime":910.16,"endTime":910.48,"body":"to"},{"speaker":"SPEAKER_06","startTime":910.8,"endTime":911.12,"body":"um"},{"speaker":"SPEAKER_06","startTime":911.44,"endTime":912.08,"body":"realize"},{"speaker":"SPEAKER_06","startTime":912.08,"endTime":912.32,"body":"a"},{"speaker":"SPEAKER_06","startTime":912.32,"endTime":912.8,"body":"capital"},{"speaker":"SPEAKER_06","startTime":912.8,"endTime":913.28,"body":"loss"},{"speaker":"SPEAKER_06","startTime":913.28,"endTime":914.48,"body":"unnecessarily"},{"speaker":"SPEAKER_06","startTime":914.48,"endTime":914.8,"body":"or"},{"speaker":"SPEAKER_06","startTime":914.8,"endTime":915.84,"body":"prematurely."},{"speaker":"SPEAKER_06","startTime":916.16,"endTime":916.72,"body":"Thanks"},{"speaker":"SPEAKER_06","startTime":916.72,"endTime":917.2,"body":"again"},{"speaker":"SPEAKER_06","startTime":917.2,"endTime":917.52,"body":"for"},{"speaker":"SPEAKER_06","startTime":917.52,"endTime":918.0,"body":"taking"},{"speaker":"SPEAKER_06","startTime":918.0,"endTime":918.24,"body":"time"},{"speaker":"SPEAKER_06","startTime":918.24,"endTime":918.48,"body":"to"},{"speaker":"SPEAKER_06","startTime":918.48,"endTime":918.8,"body":"answer"},{"speaker":"SPEAKER_06","startTime":918.8,"endTime":919.04,"body":"my"},{"speaker":"SPEAKER_06","startTime":919.04,"endTime":919.52,"body":"question."},{"speaker":"SPEAKER_01","startTime":919.92,"endTime":920.32,"body":"Yeah,"},{"speaker":"SPEAKER_01","startTime":920.48,"endTime":920.8,"body":"you"},{"speaker":"SPEAKER_01","startTime":920.8,"endTime":921.04,"body":"can."},{"speaker":"SPEAKER_01","startTime":921.2,"endTime":921.36,"body":"You"},{"speaker":"SPEAKER_01","startTime":921.36,"endTime":921.6,"body":"can"},{"speaker":"SPEAKER_01","startTime":921.6,"endTime":922.16,"body":"specify"},{"speaker":"SPEAKER_01","startTime":922.16,"endTime":922.56,"body":"shares."},{"speaker":"SPEAKER_01","startTime":922.64,"endTime":922.96,"body":"It's"},{"speaker":"SPEAKER_01","startTime":922.96,"endTime":923.28,"body":"a"},{"speaker":"SPEAKER_01","startTime":923.28,"endTime":923.44,"body":"very,"},{"speaker":"SPEAKER_01","startTime":923.68,"endTime":924.0,"body":"very"},{"speaker":"SPEAKER_01","startTime":924.0,"endTime":924.72,"body":"powerful"},{"speaker":"SPEAKER_01","startTime":924.72,"endTime":925.04,"body":"uh"},{"speaker":"SPEAKER_01","startTime":925.04,"endTime":925.36,"body":"tax"},{"speaker":"SPEAKER_01","startTime":925.52,"endTime":926.08,"body":"planning"},{"speaker":"SPEAKER_01","startTime":926.08,"endTime":926.72,"body":"tool."},{"speaker":"SPEAKER_01","startTime":927.04,"endTime":927.6,"body":"There"},{"speaker":"SPEAKER_01","startTime":927.6,"endTime":927.84,"body":"are"},{"speaker":"SPEAKER_01","startTime":927.84,"endTime":928.48,"body":"basically"},{"speaker":"SPEAKER_01","startTime":928.48,"endTime":929.04,"body":"three"},{"speaker":"SPEAKER_01","startTime":929.04,"endTime":929.6,"body":"ways"},{"speaker":"SPEAKER_01","startTime":929.6,"endTime":929.92,"body":"to"},{"speaker":"SPEAKER_01","startTime":929.92,"endTime":930.4,"body":"account"},{"speaker":"SPEAKER_01","startTime":930.4,"endTime":930.56,"body":"for"},{"speaker":"SPEAKER_01","startTime":930.56,"endTime":930.8,"body":"the"},{"speaker":"SPEAKER_01","startTime":930.8,"endTime":931.12,"body":"sale"},{"speaker":"SPEAKER_01","startTime":931.12,"endTime":931.36,"body":"of"},{"speaker":"SPEAKER_01","startTime":931.36,"endTime":932.16,"body":"securities"},{"speaker":"SPEAKER_01","startTime":932.16,"endTime":932.4,"body":"in"},{"speaker":"SPEAKER_01","startTime":932.4,"endTime":932.48,"body":"a"},{"speaker":"SPEAKER_01","startTime":932.48,"endTime":933.04,"body":"brokerage"},{"speaker":"SPEAKER_01","startTime":933.04,"endTime":933.44,"body":"account."},{"speaker":"SPEAKER_01","startTime":933.68,"endTime":934.08,"body":"One"},{"speaker":"SPEAKER_01","startTime":934.08,"endTime":934.24,"body":"is"},{"speaker":"SPEAKER_01","startTime":934.4,"endTime":934.72,"body":"the"},{"speaker":"SPEAKER_01","startTime":934.72,"endTime":935.36,"body":"typical"},{"speaker":"SPEAKER_01","startTime":935.36,"endTime":935.68,"body":"one"},{"speaker":"SPEAKER_01","startTime":936.0,"endTime":936.32,"body":"is"},{"speaker":"SPEAKER_01","startTime":936.56,"endTime":936.88,"body":"first"},{"speaker":"SPEAKER_01","startTime":937.04,"endTime":937.36,"body":"in,"},{"speaker":"SPEAKER_01","startTime":937.52,"endTime":937.84,"body":"first"},{"speaker":"SPEAKER_01","startTime":937.84,"endTime":938.16,"body":"out."},{"speaker":"SPEAKER_01","startTime":938.32,"endTime":938.64,"body":"First"},{"speaker":"SPEAKER_01","startTime":938.64,"endTime":938.96,"body":"shares"},{"speaker":"SPEAKER_01","startTime":938.96,"endTime":939.12,"body":"you"},{"speaker":"SPEAKER_01","startTime":939.12,"endTime":939.52,"body":"bought"},{"speaker":"SPEAKER_01","startTime":939.52,"endTime":939.76,"body":"are"},{"speaker":"SPEAKER_01","startTime":939.76,"endTime":939.92,"body":"the"},{"speaker":"SPEAKER_01","startTime":939.92,"endTime":940.16,"body":"ones"},{"speaker":"SPEAKER_01","startTime":940.16,"endTime":940.4,"body":"you"},{"speaker":"SPEAKER_01","startTime":940.4,"endTime":940.64,"body":"sell."},{"speaker":"SPEAKER_01","startTime":940.8,"endTime":941.2,"body":"That's"},{"speaker":"SPEAKER_01","startTime":941.2,"endTime":941.44,"body":"the"},{"speaker":"SPEAKER_01","startTime":941.44,"endTime":942.0,"body":"default"},{"speaker":"SPEAKER_01","startTime":942.0,"endTime":942.4,"body":"setting"},{"speaker":"SPEAKER_01","startTime":942.4,"endTime":942.64,"body":"for"},{"speaker":"SPEAKER_01","startTime":942.64,"endTime":942.8,"body":"most"},{"speaker":"SPEAKER_01","startTime":942.8,"endTime":943.36,"body":"brokerage"},{"speaker":"SPEAKER_01","startTime":943.36,"endTime":944.08,"body":"accounts."},{"speaker":"SPEAKER_01","startTime":944.4,"endTime":944.72,"body":"To"},{"speaker":"SPEAKER_01","startTime":945.04,"endTime":945.36,"body":"get"},{"speaker":"SPEAKER_01","startTime":945.36,"endTime":945.6,"body":"rid"},{"speaker":"SPEAKER_01","startTime":945.6,"endTime":945.76,"body":"of"},{"speaker":"SPEAKER_01","startTime":945.76,"endTime":945.92,"body":"that,"},{"speaker":"SPEAKER_01","startTime":946.0,"endTime":946.16,"body":"you"},{"speaker":"SPEAKER_01","startTime":946.16,"endTime":946.32,"body":"have"},{"speaker":"SPEAKER_01","startTime":946.32,"endTime":946.4,"body":"to"},{"speaker":"SPEAKER_01","startTime":946.4,"endTime":946.64,"body":"go"},{"speaker":"SPEAKER_01","startTime":946.64,"endTime":946.88,"body":"in"},{"speaker":"SPEAKER_01","startTime":946.88,"endTime":947.2,"body":"and"},{"speaker":"SPEAKER_01","startTime":947.2,"endTime":947.84,"body":"change"},{"speaker":"SPEAKER_01","startTime":948.16,"endTime":948.48,"body":"your"},{"speaker":"SPEAKER_01","startTime":948.48,"endTime":949.12,"body":"selling"},{"speaker":"SPEAKER_01","startTime":949.12,"endTime":949.6,"body":"settings."},{"speaker":"SPEAKER_01","startTime":949.76,"endTime":950.0,"body":"And"},{"speaker":"SPEAKER_01","startTime":950.0,"endTime":950.24,"body":"I"},{"speaker":"SPEAKER_01","startTime":950.24,"endTime":950.4,"body":"think,"},{"speaker":"SPEAKER_01","startTime":950.56,"endTime":950.8,"body":"if"},{"speaker":"SPEAKER_01","startTime":950.8,"endTime":950.96,"body":"I"},{"speaker":"SPEAKER_01","startTime":950.96,"endTime":951.36,"body":"remember"},{"speaker":"SPEAKER_01","startTime":951.36,"endTime":952.16,"body":"correctly,"},{"speaker":"SPEAKER_01","startTime":952.4,"endTime":952.72,"body":"with"},{"speaker":"SPEAKER_01","startTime":952.72,"endTime":953.36,"body":"Schwab,"},{"speaker":"SPEAKER_01","startTime":953.84,"endTime":954.16,"body":"you"},{"speaker":"SPEAKER_01","startTime":954.24,"endTime":954.56,"body":"um"},{"speaker":"SPEAKER_01","startTime":955.84,"endTime":956.16,"body":"you"},{"speaker":"SPEAKER_01","startTime":956.16,"endTime":956.64,"body":"actually"},{"speaker":"SPEAKER_01","startTime":956.8,"endTime":957.12,"body":"there's"},{"speaker":"SPEAKER_01","startTime":957.12,"endTime":957.44,"body":"a"},{"speaker":"SPEAKER_01","startTime":957.52,"endTime":957.76,"body":"you"},{"speaker":"SPEAKER_01","startTime":957.76,"endTime":958.0,"body":"you"},{"speaker":"SPEAKER_01","startTime":958.0,"endTime":958.24,"body":"go"},{"speaker":"SPEAKER_01","startTime":958.24,"endTime":958.56,"body":"into"},{"speaker":"SPEAKER_01","startTime":958.56,"endTime":958.72,"body":"your"},{"speaker":"SPEAKER_01","startTime":958.72,"endTime":959.12,"body":"account"},{"speaker":"SPEAKER_01","startTime":959.12,"endTime":959.6,"body":"settings,"},{"speaker":"SPEAKER_01","startTime":959.76,"endTime":960.0,"body":"I"},{"speaker":"SPEAKER_01","startTime":960.0,"endTime":960.56,"body":"believe,"},{"speaker":"SPEAKER_01","startTime":960.8,"endTime":961.04,"body":"and"},{"speaker":"SPEAKER_01","startTime":961.04,"endTime":961.2,"body":"you"},{"speaker":"SPEAKER_01","startTime":961.2,"endTime":961.36,"body":"can"},{"speaker":"SPEAKER_01","startTime":961.36,"endTime":961.84,"body":"select"},{"speaker":"SPEAKER_01","startTime":961.84,"endTime":962.08,"body":"your"},{"speaker":"SPEAKER_01","startTime":962.08,"endTime":962.4,"body":"cost"},{"speaker":"SPEAKER_01","startTime":962.4,"endTime":962.96,"body":"basis"},{"speaker":"SPEAKER_01","startTime":962.96,"endTime":963.36,"body":"method."},{"speaker":"SPEAKER_01","startTime":964.16,"endTime":964.48,"body":"I"},{"speaker":"SPEAKER_01","startTime":964.48,"endTime":964.8,"body":"think"},{"speaker":"SPEAKER_01","startTime":964.8,"endTime":965.04,"body":"they"},{"speaker":"SPEAKER_01","startTime":965.04,"endTime":965.28,"body":"even"},{"speaker":"SPEAKER_01","startTime":965.28,"endTime":965.44,"body":"have"},{"speaker":"SPEAKER_01","startTime":965.44,"endTime":965.52,"body":"a"},{"speaker":"SPEAKER_01","startTime":965.52,"endTime":965.84,"body":"tool."},{"speaker":"SPEAKER_01","startTime":965.92,"endTime":966.16,"body":"I've"},{"speaker":"SPEAKER_01","startTime":966.16,"endTime":966.32,"body":"never"},{"speaker":"SPEAKER_01","startTime":966.32,"endTime":966.48,"body":"used"},{"speaker":"SPEAKER_01","startTime":966.48,"endTime":966.64,"body":"it,"},{"speaker":"SPEAKER_01","startTime":966.72,"endTime":966.88,"body":"but"},{"speaker":"SPEAKER_01","startTime":966.88,"endTime":966.96,"body":"I"},{"speaker":"SPEAKER_01","startTime":966.96,"endTime":967.12,"body":"think"},{"speaker":"SPEAKER_01","startTime":967.12,"endTime":967.2,"body":"they"},{"speaker":"SPEAKER_01","startTime":967.2,"endTime":967.36,"body":"have"},{"speaker":"SPEAKER_01","startTime":967.36,"endTime":967.44,"body":"a"},{"speaker":"SPEAKER_01","startTime":967.44,"endTime":967.76,"body":"tax"},{"speaker":"SPEAKER_01","startTime":967.92,"endTime":968.24,"body":"lot"},{"speaker":"SPEAKER_01","startTime":968.48,"endTime":968.8,"body":"uh"},{"speaker":"SPEAKER_01","startTime":969.04,"endTime":969.68,"body":"selling"},{"speaker":"SPEAKER_01","startTime":969.68,"endTime":970.08,"body":"tool,"},{"speaker":"SPEAKER_01","startTime":970.24,"endTime":970.4,"body":"you"},{"speaker":"SPEAKER_01","startTime":970.4,"endTime":970.48,"body":"know,"},{"speaker":"SPEAKER_01","startTime":970.56,"endTime":970.64,"body":"that"},{"speaker":"SPEAKER_01","startTime":970.72,"endTime":970.8,"body":"that"},{"speaker":"SPEAKER_01","startTime":970.88,"endTime":971.12,"body":"that"},{"speaker":"SPEAKER_01","startTime":971.12,"endTime":971.36,"body":"where"},{"speaker":"SPEAKER_01","startTime":971.36,"endTime":971.52,"body":"they"},{"speaker":"SPEAKER_01","startTime":971.52,"endTime":971.84,"body":"pick"},{"speaker":"SPEAKER_01","startTime":971.84,"endTime":972.08,"body":"which"},{"speaker":"SPEAKER_01","startTime":972.08,"endTime":972.32,"body":"ones"},{"speaker":"SPEAKER_01","startTime":972.32,"endTime":972.4,"body":"are"},{"speaker":"SPEAKER_01","startTime":972.4,"endTime":972.64,"body":"best."},{"speaker":"SPEAKER_01","startTime":972.72,"endTime":972.88,"body":"Oh"},{"speaker":"SPEAKER_01","startTime":973.04,"endTime":973.2,"body":"but"},{"speaker":"SPEAKER_01","startTime":973.2,"endTime":973.28,"body":"you"},{"speaker":"SPEAKER_01","startTime":973.28,"endTime":973.44,"body":"can"},{"speaker":"SPEAKER_01","startTime":973.44,"endTime":973.52,"body":"put"},{"speaker":"SPEAKER_01","startTime":973.52,"endTime":973.68,"body":"in"},{"speaker":"SPEAKER_01","startTime":973.76,"endTime":974.24,"body":"specific"},{"speaker":"SPEAKER_01","startTime":974.24,"endTime":974.88,"body":"identification"},{"speaker":"SPEAKER_01","startTime":974.88,"endTime":975.2,"body":"method,"},{"speaker":"SPEAKER_01","startTime":975.28,"endTime":975.44,"body":"I"},{"speaker":"SPEAKER_01","startTime":975.44,"endTime":976.16,"body":"believe."},{"speaker":"SPEAKER_01","startTime":976.48,"endTime":976.8,"body":"And"},{"speaker":"SPEAKER_01","startTime":976.96,"endTime":977.28,"body":"uh"},{"speaker":"SPEAKER_01","startTime":978.48,"endTime":978.8,"body":"then"},{"speaker":"SPEAKER_01","startTime":978.96,"endTime":979.36,"body":"before"},{"speaker":"SPEAKER_01","startTime":979.36,"endTime":979.6,"body":"the"},{"speaker":"SPEAKER_01","startTime":979.6,"endTime":979.92,"body":"trade"},{"speaker":"SPEAKER_01","startTime":979.92,"endTime":980.4,"body":"settles,"},{"speaker":"SPEAKER_01","startTime":980.48,"endTime":980.72,"body":"you"},{"speaker":"SPEAKER_01","startTime":980.72,"endTime":981.2,"body":"select"},{"speaker":"SPEAKER_01","startTime":981.2,"endTime":981.44,"body":"which"},{"speaker":"SPEAKER_01","startTime":981.44,"endTime":981.92,"body":"shares"},{"speaker":"SPEAKER_01","startTime":981.92,"endTime":982.32,"body":"you're"},{"speaker":"SPEAKER_01","startTime":982.32,"endTime":982.96,"body":"selling."},{"speaker":"SPEAKER_01","startTime":983.52,"endTime":983.84,"body":"That"},{"speaker":"SPEAKER_01","startTime":984.0,"endTime":984.32,"body":"then"},{"speaker":"SPEAKER_01","startTime":984.32,"endTime":984.72,"body":"allows"},{"speaker":"SPEAKER_01","startTime":984.72,"endTime":984.88,"body":"you"},{"speaker":"SPEAKER_01","startTime":984.88,"endTime":985.12,"body":"to"},{"speaker":"SPEAKER_01","startTime":985.12,"endTime":985.44,"body":"control"},{"speaker":"SPEAKER_01","startTime":985.44,"endTime":985.68,"body":"what"},{"speaker":"SPEAKER_01","startTime":985.68,"endTime":985.92,"body":"your"},{"speaker":"SPEAKER_01","startTime":985.92,"endTime":986.4,"body":"capital"},{"speaker":"SPEAKER_01","startTime":986.4,"endTime":986.8,"body":"gain"},{"speaker":"SPEAKER_01","startTime":986.8,"endTime":987.04,"body":"is"},{"speaker":"SPEAKER_01","startTime":987.28,"endTime":987.52,"body":"with"},{"speaker":"SPEAKER_01","startTime":987.52,"endTime":987.6,"body":"a"},{"speaker":"SPEAKER_01","startTime":987.84,"endTime":988.08,"body":"with"},{"speaker":"SPEAKER_01","startTime":988.08,"endTime":988.24,"body":"a"},{"speaker":"SPEAKER_01","startTime":988.24,"endTime":988.56,"body":"high"},{"speaker":"SPEAKER_01","startTime":988.56,"endTime":988.88,"body":"degree"},{"speaker":"SPEAKER_01","startTime":988.88,"endTime":989.12,"body":"of"},{"speaker":"SPEAKER_01","startTime":989.12,"endTime":990.08,"body":"specificity."},{"speaker":"SPEAKER_01","startTime":990.32,"endTime":990.56,"body":"So"},{"speaker":"SPEAKER_01","startTime":990.64,"endTime":990.96,"body":"yeah,"},{"speaker":"SPEAKER_01","startTime":991.12,"endTime":991.76,"body":"absolutely."},{"speaker":"SPEAKER_01","startTime":992.0,"endTime":992.32,"body":"Do"},{"speaker":"SPEAKER_01","startTime":992.32,"endTime":992.64,"body":"that."},{"speaker":"SPEAKER_01","startTime":992.88,"endTime":993.12,"body":"I"},{"speaker":"SPEAKER_01","startTime":993.12,"endTime":993.36,"body":"think"},{"speaker":"SPEAKER_01","startTime":993.36,"endTime":993.6,"body":"when"},{"speaker":"SPEAKER_01","startTime":993.6,"endTime":993.92,"body":"you"},{"speaker":"SPEAKER_01","startTime":993.92,"endTime":994.24,"body":"sell"},{"speaker":"SPEAKER_01","startTime":994.24,"endTime":994.56,"body":"it,"},{"speaker":"SPEAKER_01","startTime":995.04,"endTime":995.36,"body":"you"},{"speaker":"SPEAKER_01","startTime":995.76,"endTime":996.08,"body":"um"},{"speaker":"SPEAKER_01","startTime":997.92,"endTime":998.32,"body":"there's"},{"speaker":"SPEAKER_01","startTime":998.32,"endTime":998.48,"body":"a"},{"speaker":"SPEAKER_01","startTime":998.64,"endTime":998.96,"body":"there's"},{"speaker":"SPEAKER_01","startTime":998.96,"endTime":999.28,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":999.28,"endTime":999.44,"body":"be"},{"speaker":"SPEAKER_01","startTime":999.44,"endTime":999.76,"body":"something"},{"speaker":"SPEAKER_01","startTime":999.76,"endTime":999.92,"body":"that"},{"speaker":"SPEAKER_01","startTime":999.92,"endTime":1000.24,"body":"comes"},{"speaker":"SPEAKER_01","startTime":1000.24,"endTime":1000.4,"body":"up"},{"speaker":"SPEAKER_01","startTime":1000.4,"endTime":1000.56,"body":"that"},{"speaker":"SPEAKER_01","startTime":1000.56,"endTime":1000.8,"body":"lets"},{"speaker":"SPEAKER_01","startTime":1000.8,"endTime":1000.96,"body":"you"},{"speaker":"SPEAKER_01","startTime":1000.96,"endTime":1001.36,"body":"select"},{"speaker":"SPEAKER_01","startTime":1001.36,"endTime":1001.6,"body":"your"},{"speaker":"SPEAKER_01","startTime":1001.6,"endTime":1002.08,"body":"lots"},{"speaker":"SPEAKER_01","startTime":1002.08,"endTime":1002.32,"body":"for"},{"speaker":"SPEAKER_01","startTime":1002.32,"endTime":1002.64,"body":"tax"},{"speaker":"SPEAKER_01","startTime":1002.64,"endTime":1003.12,"body":"selling."},{"speaker":"SPEAKER_01","startTime":1003.36,"endTime":1003.6,"body":"Um"},{"speaker":"SPEAKER_01","startTime":1004.24,"endTime":1004.48,"body":"that"},{"speaker":"SPEAKER_01","startTime":1004.48,"endTime":1004.72,"body":"might"},{"speaker":"SPEAKER_01","startTime":1004.72,"endTime":1004.88,"body":"be"},{"speaker":"SPEAKER_01","startTime":1004.88,"endTime":1005.2,"body":"something"},{"speaker":"SPEAKER_01","startTime":1005.2,"endTime":1005.36,"body":"you"},{"speaker":"SPEAKER_01","startTime":1005.52,"endTime":1005.76,"body":"you"},{"speaker":"SPEAKER_01","startTime":1005.76,"endTime":1006.0,"body":"ask"},{"speaker":"SPEAKER_01","startTime":1006.0,"endTime":1006.16,"body":"a"},{"speaker":"SPEAKER_01","startTime":1006.16,"endTime":1006.64,"body":"Schwab"},{"speaker":"SPEAKER_01","startTime":1006.64,"endTime":1006.8,"body":"rapper,"},{"speaker":"SPEAKER_01","startTime":1007.04,"endTime":1007.12,"body":"a"},{"speaker":"SPEAKER_01","startTime":1007.12,"endTime":1007.52,"body":"Fidelity"},{"speaker":"SPEAKER_01","startTime":1007.52,"endTime":1007.68,"body":"rapper,"},{"speaker":"SPEAKER_01","startTime":1007.84,"endTime":1007.92,"body":"a"},{"speaker":"SPEAKER_01","startTime":1007.92,"endTime":1008.32,"body":"Vanguard"},{"speaker":"SPEAKER_01","startTime":1008.4,"endTime":1008.56,"body":"rapper,"},{"speaker":"SPEAKER_01","startTime":1008.8,"endTime":1008.96,"body":"whom"},{"speaker":"SPEAKER_01","startTime":1009.04,"endTime":1009.12,"body":"who"},{"speaker":"SPEAKER_01","startTime":1009.44,"endTime":1009.76,"body":"whomever"},{"speaker":"SPEAKER_01","startTime":1009.92,"endTime":1010.16,"body":"you"},{"speaker":"SPEAKER_01","startTime":1010.16,"endTime":1010.32,"body":"have."},{"speaker":"SPEAKER_01","startTime":1010.56,"endTime":1010.72,"body":"But"},{"speaker":"SPEAKER_01","startTime":1010.8,"endTime":1011.04,"body":"yeah,"},{"speaker":"SPEAKER_01","startTime":1011.12,"endTime":1011.6,"body":"absolutely."},{"speaker":"SPEAKER_01","startTime":1011.68,"endTime":1011.84,"body":"That"},{"speaker":"SPEAKER_01","startTime":1011.84,"endTime":1012.0,"body":"is"},{"speaker":"SPEAKER_01","startTime":1012.0,"endTime":1012.32,"body":"allowed"},{"speaker":"SPEAKER_01","startTime":1012.32,"endTime":1012.4,"body":"by"},{"speaker":"SPEAKER_01","startTime":1012.4,"endTime":1012.48,"body":"the"},{"speaker":"SPEAKER_01","startTime":1012.48,"endTime":1012.96,"body":"IRS."},{"speaker":"SPEAKER_01","startTime":1013.04,"endTime":1013.12,"body":"You"},{"speaker":"SPEAKER_01","startTime":1013.12,"endTime":1013.28,"body":"get"},{"speaker":"SPEAKER_01","startTime":1013.28,"endTime":1013.36,"body":"to"},{"speaker":"SPEAKER_01","startTime":1013.36,"endTime":1013.52,"body":"pick"},{"speaker":"SPEAKER_01","startTime":1013.52,"endTime":1013.68,"body":"which"},{"speaker":"SPEAKER_01","startTime":1013.68,"endTime":1013.92,"body":"ones"},{"speaker":"SPEAKER_01","startTime":1013.92,"endTime":1014.16,"body":"you"},{"speaker":"SPEAKER_01","startTime":1014.16,"endTime":1014.48,"body":"sell."},{"speaker":"SPEAKER_01","startTime":1014.64,"endTime":1014.96,"body":"Then,"},{"speaker":"SPEAKER_01","startTime":1015.04,"endTime":1015.2,"body":"you"},{"speaker":"SPEAKER_01","startTime":1015.2,"endTime":1015.36,"body":"know,"},{"speaker":"SPEAKER_01","startTime":1015.44,"endTime":1015.6,"body":"the"},{"speaker":"SPEAKER_01","startTime":1015.6,"endTime":1015.76,"body":"other"},{"speaker":"SPEAKER_01","startTime":1015.76,"endTime":1016.08,"body":"ones"},{"speaker":"SPEAKER_01","startTime":1016.08,"endTime":1016.4,"body":"still"},{"speaker":"SPEAKER_01","startTime":1016.4,"endTime":1016.56,"body":"have"},{"speaker":"SPEAKER_01","startTime":1016.56,"endTime":1016.8,"body":"their"},{"speaker":"SPEAKER_01","startTime":1016.8,"endTime":1016.96,"body":"cost"},{"speaker":"SPEAKER_01","startTime":1017.12,"endTime":1017.52,"body":"basis."},{"speaker":"SPEAKER_01","startTime":1017.6,"endTime":1017.76,"body":"It"},{"speaker":"SPEAKER_01","startTime":1017.76,"endTime":1018.08,"body":"doesn't"},{"speaker":"SPEAKER_01","startTime":1018.08,"endTime":1018.32,"body":"change"},{"speaker":"SPEAKER_01","startTime":1018.32,"endTime":1018.48,"body":"their"},{"speaker":"SPEAKER_01","startTime":1018.48,"endTime":1018.64,"body":"cost"},{"speaker":"SPEAKER_01","startTime":1018.8,"endTime":1019.12,"body":"basis,"},{"speaker":"SPEAKER_01","startTime":1019.2,"endTime":1019.36,"body":"but"},{"speaker":"SPEAKER_01","startTime":1019.36,"endTime":1019.52,"body":"it"},{"speaker":"SPEAKER_01","startTime":1019.52,"endTime":1019.76,"body":"allows"},{"speaker":"SPEAKER_01","startTime":1019.76,"endTime":1019.92,"body":"you"},{"speaker":"SPEAKER_01","startTime":1019.92,"endTime":1020.0,"body":"to"},{"speaker":"SPEAKER_01","startTime":1020.0,"endTime":1020.24,"body":"pick"},{"speaker":"SPEAKER_01","startTime":1020.24,"endTime":1020.56,"body":"which"},{"speaker":"SPEAKER_01","startTime":1020.56,"endTime":1021.2,"body":"ones"},{"speaker":"SPEAKER_01","startTime":1021.2,"endTime":1021.52,"body":"you"},{"speaker":"SPEAKER_01","startTime":1021.52,"endTime":1021.68,"body":"want"},{"speaker":"SPEAKER_01","startTime":1021.68,"endTime":1022.0,"body":"to"},{"speaker":"SPEAKER_01","startTime":1022.0,"endTime":1022.24,"body":"use"},{"speaker":"SPEAKER_01","startTime":1022.24,"endTime":1022.48,"body":"so"},{"speaker":"SPEAKER_01","startTime":1022.48,"endTime":1022.72,"body":"that"},{"speaker":"SPEAKER_01","startTime":1022.72,"endTime":1023.04,"body":"you"},{"speaker":"SPEAKER_01","startTime":1023.04,"endTime":1023.28,"body":"can"},{"speaker":"SPEAKER_01","startTime":1023.28,"endTime":1023.76,"body":"reduce"},{"speaker":"SPEAKER_01","startTime":1023.76,"endTime":1023.92,"body":"that"},{"speaker":"SPEAKER_01","startTime":1023.92,"endTime":1024.24,"body":"capital"},{"speaker":"SPEAKER_01","startTime":1024.24,"endTime":1024.64,"body":"gain"},{"speaker":"SPEAKER_01","startTime":1024.64,"endTime":1024.8,"body":"now"},{"speaker":"SPEAKER_01","startTime":1024.8,"endTime":1024.96,"body":"and"},{"speaker":"SPEAKER_01","startTime":1024.96,"endTime":1025.28,"body":"maybe"},{"speaker":"SPEAKER_01","startTime":1025.28,"endTime":1025.52,"body":"take"},{"speaker":"SPEAKER_01","startTime":1025.52,"endTime":1025.76,"body":"it"},{"speaker":"SPEAKER_01","startTime":1025.76,"endTime":1026.24,"body":"later."},{"speaker":"SPEAKER_01","startTime":1026.56,"endTime":1026.96,"body":"Thanks"},{"speaker":"SPEAKER_01","startTime":1026.96,"endTime":1027.12,"body":"for"},{"speaker":"SPEAKER_01","startTime":1027.12,"endTime":1027.36,"body":"the"},{"speaker":"SPEAKER_01","startTime":1027.36,"endTime":1027.76,"body":"questions."},{"speaker":"SPEAKER_01","startTime":1027.92,"endTime":1028.16,"body":"All"},{"speaker":"SPEAKER_01","startTime":1028.16,"endTime":1028.32,"body":"of"},{"speaker":"SPEAKER_01","startTime":1028.32,"endTime":1028.48,"body":"the"},{"speaker":"SPEAKER_01","startTime":1028.48,"endTime":1028.72,"body":"great"},{"speaker":"SPEAKER_01","startTime":1028.72,"endTime":1029.12,"body":"questions."},{"speaker":"SPEAKER_01","startTime":1029.28,"endTime":1029.52,"body":"I"},{"speaker":"SPEAKER_01","startTime":1029.52,"endTime":1029.68,"body":"really"},{"speaker":"SPEAKER_01","startTime":1029.68,"endTime":1030.24,"body":"appreciate"},{"speaker":"SPEAKER_01","startTime":1030.24,"endTime":1030.4,"body":"them."},{"speaker":"SPEAKER_01","startTime":1030.56,"endTime":1030.8,"body":"Thank"},{"speaker":"SPEAKER_01","startTime":1030.8,"endTime":1030.96,"body":"you"},{"speaker":"SPEAKER_01","startTime":1030.96,"endTime":1031.2,"body":"so"},{"speaker":"SPEAKER_01","startTime":1031.2,"endTime":1031.44,"body":"much"},{"speaker":"SPEAKER_01","startTime":1031.44,"endTime":1031.68,"body":"for"},{"speaker":"SPEAKER_01","startTime":1031.68,"endTime":1032.24,"body":"listening"},{"speaker":"SPEAKER_01","startTime":1032.48,"endTime":1032.8,"body":"and"},{"speaker":"SPEAKER_01","startTime":1032.8,"endTime":1032.96,"body":"for"},{"speaker":"SPEAKER_01","startTime":1032.96,"endTime":1033.52,"body":"following"},{"speaker":"SPEAKER_01","startTime":1033.52,"endTime":1033.68,"body":"the"},{"speaker":"SPEAKER_01","startTime":1033.68,"endTime":1034.08,"body":"new"},{"speaker":"SPEAKER_01","startTime":1034.08,"endTime":1035.04,"body":"podcast"},{"speaker":"SPEAKER_01","startTime":1035.36,"endTime":1035.68,"body":"and"},{"speaker":"SPEAKER_01","startTime":1035.68,"endTime":1036.0,"body":"for"},{"speaker":"SPEAKER_01","startTime":1036.32,"endTime":1036.88,"body":"putting"},{"speaker":"SPEAKER_01","startTime":1036.88,"endTime":1037.04,"body":"up"},{"speaker":"SPEAKER_01","startTime":1037.04,"endTime":1037.28,"body":"with"},{"speaker":"SPEAKER_01","startTime":1037.28,"endTime":1037.6,"body":"some"},{"speaker":"SPEAKER_01","startTime":1037.6,"endTime":1037.84,"body":"of"},{"speaker":"SPEAKER_01","startTime":1037.84,"endTime":1037.92,"body":"the"},{"speaker":"SPEAKER_01","startTime":1038.08,"endTime":1038.4,"body":"uh"},{"speaker":"SPEAKER_01","startTime":1039.68,"endTime":1040.0,"body":"the"},{"speaker":"SPEAKER_01","startTime":1040.0,"endTime":1040.24,"body":"little"},{"speaker":"SPEAKER_01","startTime":1040.24,"endTime":1040.8,"body":"quirks"},{"speaker":"SPEAKER_01","startTime":1040.8,"endTime":1041.04,"body":"we've"},{"speaker":"SPEAKER_01","startTime":1041.04,"endTime":1041.2,"body":"had."},{"speaker":"SPEAKER_01","startTime":1041.28,"endTime":1041.52,"body":"We"},{"speaker":"SPEAKER_01","startTime":1041.52,"endTime":1041.92,"body":"changed"},{"speaker":"SPEAKER_01","startTime":1041.92,"endTime":1042.08,"body":"to"},{"speaker":"SPEAKER_01","startTime":1042.08,"endTime":1042.32,"body":"a"},{"speaker":"SPEAKER_01","startTime":1042.32,"endTime":1042.8,"body":"new"},{"speaker":"SPEAKER_01","startTime":1042.8,"endTime":1043.6,"body":"hosting"},{"speaker":"SPEAKER_01","startTime":1043.6,"endTime":1044.24,"body":"service."},{"speaker":"SPEAKER_01","startTime":1044.64,"endTime":1044.96,"body":"And"},{"speaker":"SPEAKER_01","startTime":1045.12,"endTime":1045.44,"body":"uh"},{"speaker":"SPEAKER_01","startTime":1045.6,"endTime":1046.0,"body":"while"},{"speaker":"SPEAKER_01","startTime":1046.0,"endTime":1046.32,"body":"I"},{"speaker":"SPEAKER_01","startTime":1046.32,"endTime":1046.56,"body":"really"},{"speaker":"SPEAKER_01","startTime":1046.56,"endTime":1046.8,"body":"love"},{"speaker":"SPEAKER_01","startTime":1046.8,"endTime":1047.04,"body":"working"},{"speaker":"SPEAKER_01","startTime":1047.04,"endTime":1047.2,"body":"with"},{"speaker":"SPEAKER_01","startTime":1047.2,"endTime":1047.36,"body":"them,"},{"speaker":"SPEAKER_01","startTime":1047.44,"endTime":1047.6,"body":"there"},{"speaker":"SPEAKER_01","startTime":1047.6,"endTime":1047.76,"body":"have"},{"speaker":"SPEAKER_01","startTime":1047.76,"endTime":1047.92,"body":"been"},{"speaker":"SPEAKER_01","startTime":1047.92,"endTime":1048.0,"body":"a"},{"speaker":"SPEAKER_01","startTime":1048.0,"endTime":1048.24,"body":"few"},{"speaker":"SPEAKER_01","startTime":1048.24,"endTime":1048.4,"body":"little"},{"speaker":"SPEAKER_01","startTime":1048.4,"endTime":1048.88,"body":"bugs"},{"speaker":"SPEAKER_01","startTime":1048.88,"endTime":1048.96,"body":"that"},{"speaker":"SPEAKER_01","startTime":1048.96,"endTime":1049.12,"body":"I"},{"speaker":"SPEAKER_01","startTime":1049.12,"endTime":1049.28,"body":"had"},{"speaker":"SPEAKER_01","startTime":1049.28,"endTime":1049.52,"body":"to"},{"speaker":"SPEAKER_01","startTime":1049.52,"endTime":1049.84,"body":"work"},{"speaker":"SPEAKER_01","startTime":1049.84,"endTime":1050.0,"body":"out."},{"speaker":"SPEAKER_01","startTime":1050.16,"endTime":1050.4,"body":"And"},{"speaker":"SPEAKER_01","startTime":1050.4,"endTime":1050.56,"body":"by"},{"speaker":"SPEAKER_01","startTime":1050.56,"endTime":1050.64,"body":"the"},{"speaker":"SPEAKER_01","startTime":1050.64,"endTime":1050.8,"body":"way,"},{"speaker":"SPEAKER_01","startTime":1050.88,"endTime":1051.04,"body":"if"},{"speaker":"SPEAKER_01","startTime":1051.04,"endTime":1051.2,"body":"you're"},{"speaker":"SPEAKER_01","startTime":1051.2,"endTime":1051.36,"body":"one"},{"speaker":"SPEAKER_01","startTime":1051.36,"endTime":1051.44,"body":"of"},{"speaker":"SPEAKER_01","startTime":1051.44,"endTime":1051.6,"body":"those"},{"speaker":"SPEAKER_01","startTime":1051.6,"endTime":1051.84,"body":"people,"},{"speaker":"SPEAKER_01","startTime":1052.0,"endTime":1052.16,"body":"this"},{"speaker":"SPEAKER_01","startTime":1052.16,"endTime":1052.32,"body":"is"},{"speaker":"SPEAKER_01","startTime":1052.32,"endTime":1052.48,"body":"just"},{"speaker":"SPEAKER_01","startTime":1052.48,"endTime":1052.64,"body":"a"},{"speaker":"SPEAKER_01","startTime":1052.64,"endTime":1052.8,"body":"little"},{"speaker":"SPEAKER_01","startTime":1052.8,"endTime":1053.12,"body":"technical"},{"speaker":"SPEAKER_01","startTime":1053.12,"endTime":1053.28,"body":"thing,"},{"speaker":"SPEAKER_01","startTime":1053.36,"endTime":1053.52,"body":"if"},{"speaker":"SPEAKER_01","startTime":1053.52,"endTime":1053.68,"body":"you're"},{"speaker":"SPEAKER_01","startTime":1053.68,"endTime":1053.84,"body":"one"},{"speaker":"SPEAKER_01","startTime":1053.84,"endTime":1053.92,"body":"of"},{"speaker":"SPEAKER_01","startTime":1053.92,"endTime":1054.08,"body":"those"},{"speaker":"SPEAKER_01","startTime":1054.08,"endTime":1054.32,"body":"people"},{"speaker":"SPEAKER_01","startTime":1054.32,"endTime":1054.56,"body":"who"},{"speaker":"SPEAKER_01","startTime":1054.56,"endTime":1054.88,"body":"likes"},{"speaker":"SPEAKER_01","startTime":1054.88,"endTime":1055.04,"body":"to"},{"speaker":"SPEAKER_01","startTime":1055.04,"endTime":1055.68,"body":"download"},{"speaker":"SPEAKER_01","startTime":1055.68,"endTime":1056.56,"body":"MP3s"},{"speaker":"SPEAKER_01","startTime":1056.56,"endTime":1056.72,"body":"of"},{"speaker":"SPEAKER_01","startTime":1056.72,"endTime":1057.2,"body":"podcasts,"},{"speaker":"SPEAKER_01","startTime":1057.28,"endTime":1057.44,"body":"which"},{"speaker":"SPEAKER_01","startTime":1057.44,"endTime":1057.6,"body":"I"},{"speaker":"SPEAKER_01","startTime":1057.6,"endTime":1057.84,"body":"didn't"},{"speaker":"SPEAKER_01","startTime":1057.84,"endTime":1058.0,"body":"think"},{"speaker":"SPEAKER_01","startTime":1058.0,"endTime":1058.56,"body":"anybody"},{"speaker":"SPEAKER_01","startTime":1058.56,"endTime":1058.8,"body":"did"},{"speaker":"SPEAKER_01","startTime":1058.8,"endTime":1059.52,"body":"anymore,"},{"speaker":"SPEAKER_01","startTime":1059.68,"endTime":1059.84,"body":"uh,"},{"speaker":"SPEAKER_01","startTime":1060.08,"endTime":1060.4,"body":"you"},{"speaker":"SPEAKER_01","startTime":1060.4,"endTime":1060.72,"body":"need"},{"speaker":"SPEAKER_01","startTime":1060.72,"endTime":1060.96,"body":"to"},{"speaker":"SPEAKER_01","startTime":1060.96,"endTime":1062.0,"body":"subscribe"},{"speaker":"SPEAKER_01","startTime":1062.24,"endTime":1062.4,"body":"to"},{"speaker":"SPEAKER_01","startTime":1062.4,"endTime":1062.72,"body":"the"},{"speaker":"SPEAKER_01","startTime":1062.72,"endTime":1063.28,"body":"podcast"},{"speaker":"SPEAKER_01","startTime":1063.28,"endTime":1063.68,"body":"email"},{"speaker":"SPEAKER_01","startTime":1063.76,"endTime":1064.0,"body":"because"},{"speaker":"SPEAKER_01","startTime":1064.0,"endTime":1064.24,"body":"that's"},{"speaker":"SPEAKER_01","startTime":1064.24,"endTime":1064.4,"body":"the"},{"speaker":"SPEAKER_01","startTime":1064.4,"endTime":1064.64,"body":"only"},{"speaker":"SPEAKER_01","startTime":1064.64,"endTime":1064.88,"body":"place"},{"speaker":"SPEAKER_01","startTime":1064.88,"endTime":1065.12,"body":"where"},{"speaker":"SPEAKER_01","startTime":1065.12,"endTime":1065.36,"body":"the"},{"speaker":"SPEAKER_01","startTime":1065.36,"endTime":1065.84,"body":"button"},{"speaker":"SPEAKER_01","startTime":1065.84,"endTime":1066.4,"body":"actually"},{"speaker":"SPEAKER_01","startTime":1066.4,"endTime":1066.96,"body":"exists"},{"speaker":"SPEAKER_01","startTime":1066.96,"endTime":1067.2,"body":"that"},{"speaker":"SPEAKER_01","startTime":1067.2,"endTime":1067.52,"body":"lets"},{"speaker":"SPEAKER_01","startTime":1067.52,"endTime":1067.68,"body":"you"},{"speaker":"SPEAKER_01","startTime":1067.68,"endTime":1068.16,"body":"download"},{"speaker":"SPEAKER_01","startTime":1068.16,"endTime":1068.32,"body":"the"},{"speaker":"SPEAKER_01","startTime":1068.32,"endTime":1068.88,"body":"MP3"},{"speaker":"SPEAKER_01","startTime":1069.04,"endTime":1069.2,"body":"of"},{"speaker":"SPEAKER_01","startTime":1069.2,"endTime":1069.36,"body":"the"},{"speaker":"SPEAKER_01","startTime":1069.36,"endTime":1070.16,"body":"episode."},{"speaker":"SPEAKER_01","startTime":1070.4,"endTime":1070.56,"body":"So"},{"speaker":"SPEAKER_01","startTime":1070.64,"endTime":1070.8,"body":"you"},{"speaker":"SPEAKER_01","startTime":1070.8,"endTime":1070.96,"body":"have"},{"speaker":"SPEAKER_01","startTime":1070.96,"endTime":1071.04,"body":"to"},{"speaker":"SPEAKER_01","startTime":1071.04,"endTime":1071.36,"body":"subscribe,"},{"speaker":"SPEAKER_01","startTime":1071.44,"endTime":1071.6,"body":"go"},{"speaker":"SPEAKER_01","startTime":1071.6,"endTime":1071.68,"body":"to"},{"speaker":"SPEAKER_01","startTime":1071.68,"endTime":1073.04,"body":"talkingrealmoney.com,"},{"speaker":"SPEAKER_01","startTime":1073.12,"endTime":1073.68,"body":"it'll"},{"speaker":"SPEAKER_01","startTime":1073.68,"endTime":1074.0,"body":"say"},{"speaker":"SPEAKER_01","startTime":1074.0,"endTime":1074.48,"body":"subscribe"},{"speaker":"SPEAKER_01","startTime":1074.48,"endTime":1074.56,"body":"to"},{"speaker":"SPEAKER_01","startTime":1074.56,"endTime":1074.64,"body":"the"},{"speaker":"SPEAKER_01","startTime":1074.64,"endTime":1075.2,"body":"newsletter."},{"speaker":"SPEAKER_01","startTime":1075.36,"endTime":1075.68,"body":"It's"},{"speaker":"SPEAKER_01","startTime":1075.68,"endTime":1075.84,"body":"just"},{"speaker":"SPEAKER_01","startTime":1075.84,"endTime":1076.0,"body":"a"},{"speaker":"SPEAKER_01","startTime":1076.24,"endTime":1076.88,"body":"daily"},{"speaker":"SPEAKER_01","startTime":1077.04,"endTime":1077.68,"body":"email"},{"speaker":"SPEAKER_01","startTime":1077.68,"endTime":1077.92,"body":"when"},{"speaker":"SPEAKER_01","startTime":1077.92,"endTime":1078.08,"body":"I"},{"speaker":"SPEAKER_01","startTime":1078.08,"endTime":1078.24,"body":"put"},{"speaker":"SPEAKER_01","startTime":1078.24,"endTime":1078.4,"body":"up"},{"speaker":"SPEAKER_01","startTime":1078.4,"endTime":1078.48,"body":"a"},{"speaker":"SPEAKER_01","startTime":1078.48,"endTime":1078.72,"body":"new"},{"speaker":"SPEAKER_01","startTime":1078.72,"endTime":1079.52,"body":"episode."},{"speaker":"SPEAKER_01","startTime":1079.84,"endTime":1080.08,"body":"So"},{"speaker":"SPEAKER_01","startTime":1080.24,"endTime":1080.56,"body":"keep"},{"speaker":"SPEAKER_01","startTime":1080.56,"endTime":1080.88,"body":"listening,"},{"speaker":"SPEAKER_01","startTime":1081.04,"endTime":1081.28,"body":"keep"},{"speaker":"SPEAKER_01","startTime":1081.28,"endTime":1081.6,"body":"telling"},{"speaker":"SPEAKER_01","startTime":1081.6,"endTime":1082.08,"body":"friends,"},{"speaker":"SPEAKER_01","startTime":1082.32,"endTime":1082.64,"body":"keep"},{"speaker":"SPEAKER_01","startTime":1082.64,"endTime":1082.96,"body":"sending"},{"speaker":"SPEAKER_01","startTime":1082.96,"endTime":1083.12,"body":"in"},{"speaker":"SPEAKER_01","startTime":1083.12,"endTime":1083.2,"body":"your"},{"speaker":"SPEAKER_01","startTime":1083.2,"endTime":1083.52,"body":"questions"},{"speaker":"SPEAKER_01","startTime":1083.52,"endTime":1083.68,"body":"at"},{"speaker":"SPEAKER_01","startTime":1083.68,"endTime":1085.2,"body":"talkingrealmoney.com."},{"speaker":"SPEAKER_01","startTime":1085.44,"endTime":1085.76,"body":"If"},{"speaker":"SPEAKER_01","startTime":1085.76,"endTime":1086.08,"body":"you"},{"speaker":"SPEAKER_01","startTime":1086.08,"endTime":1086.32,"body":"need"},{"speaker":"SPEAKER_01","startTime":1086.32,"endTime":1086.56,"body":"more"},{"speaker":"SPEAKER_01","startTime":1086.56,"endTime":1086.96,"body":"help"},{"speaker":"SPEAKER_01","startTime":1086.96,"endTime":1087.2,"body":"than"},{"speaker":"SPEAKER_01","startTime":1087.2,"endTime":1087.52,"body":"we"},{"speaker":"SPEAKER_01","startTime":1087.52,"endTime":1087.68,"body":"can"},{"speaker":"SPEAKER_01","startTime":1087.68,"endTime":1087.92,"body":"give"},{"speaker":"SPEAKER_01","startTime":1087.92,"endTime":1088.16,"body":"you"},{"speaker":"SPEAKER_01","startTime":1088.16,"endTime":1088.32,"body":"in"},{"speaker":"SPEAKER_01","startTime":1088.32,"endTime":1088.4,"body":"the"},{"speaker":"SPEAKER_01","startTime":1088.4,"endTime":1088.72,"body":"course"},{"speaker":"SPEAKER_01","startTime":1088.72,"endTime":1088.88,"body":"of"},{"speaker":"SPEAKER_01","startTime":1088.88,"endTime":1089.12,"body":"a"},{"speaker":"SPEAKER_01","startTime":1089.12,"endTime":1090.0,"body":"podcast,"},{"speaker":"SPEAKER_01","startTime":1091.28,"endTime":1091.6,"body":"this"},{"speaker":"SPEAKER_01","startTime":1091.6,"endTime":1091.92,"body":"is"},{"speaker":"SPEAKER_01","startTime":1091.92,"endTime":1092.48,"body":"why"},{"speaker":"SPEAKER_01","startTime":1092.48,"endTime":1092.8,"body":"we"},{"speaker":"SPEAKER_01","startTime":1092.8,"endTime":1093.12,"body":"have,"},{"speaker":"SPEAKER_01","startTime":1093.36,"endTime":1093.76,"body":"since"},{"speaker":"SPEAKER_01","startTime":1093.76,"endTime":1094.0,"body":"Tom"},{"speaker":"SPEAKER_01","startTime":1094.0,"endTime":1094.16,"body":"and"},{"speaker":"SPEAKER_01","startTime":1094.16,"endTime":1094.32,"body":"I"},{"speaker":"SPEAKER_01","startTime":1094.32,"endTime":1094.64,"body":"started"},{"speaker":"SPEAKER_01","startTime":1094.64,"endTime":1095.28,"body":"Vestry"},{"speaker":"SPEAKER_01","startTime":1095.44,"endTime":1095.68,"body":"many"},{"speaker":"SPEAKER_01","startTime":1095.68,"endTime":1095.92,"body":"years"},{"speaker":"SPEAKER_01","startTime":1095.92,"endTime":1096.24,"body":"ago,"},{"speaker":"SPEAKER_01","startTime":1096.56,"endTime":1097.12,"body":"always"},{"speaker":"SPEAKER_01","startTime":1097.12,"endTime":1097.84,"body":"offered"},{"speaker":"SPEAKER_01","startTime":1097.84,"endTime":1098.56,"body":"anybody"},{"speaker":"SPEAKER_01","startTime":1098.56,"endTime":1098.88,"body":"who"},{"speaker":"SPEAKER_01","startTime":1098.88,"endTime":1099.36,"body":"asks"},{"speaker":"SPEAKER_01","startTime":1099.6,"endTime":1100.08,"body":"free,"},{"speaker":"SPEAKER_01","startTime":1100.4,"endTime":1100.88,"body":"totally"},{"speaker":"SPEAKER_01","startTime":1100.88,"endTime":1101.28,"body":"free,"},{"speaker":"SPEAKER_01","startTime":1101.6,"endTime":1101.92,"body":"really"},{"speaker":"SPEAKER_01","startTime":1101.92,"endTime":1102.24,"body":"free"},{"speaker":"SPEAKER_01","startTime":1102.48,"endTime":1103.04,"body":"help."},{"speaker":"SPEAKER_01","startTime":1103.36,"endTime":1103.68,"body":"One"},{"speaker":"SPEAKER_01","startTime":1103.68,"endTime":1103.84,"body":"of"},{"speaker":"SPEAKER_01","startTime":1103.84,"endTime":1104.0,"body":"our"},{"speaker":"SPEAKER_01","startTime":1104.0,"endTime":1104.72,"body":"advisors"},{"speaker":"SPEAKER_01","startTime":1104.72,"endTime":1104.96,"body":"will"},{"speaker":"SPEAKER_01","startTime":1104.96,"endTime":1105.28,"body":"take"},{"speaker":"SPEAKER_01","startTime":1105.28,"endTime":1105.52,"body":"some"},{"speaker":"SPEAKER_01","startTime":1105.52,"endTime":1105.76,"body":"time"},{"speaker":"SPEAKER_01","startTime":1105.76,"endTime":1106.0,"body":"and"},{"speaker":"SPEAKER_01","startTime":1106.0,"endTime":1106.4,"body":"help"},{"speaker":"SPEAKER_01","startTime":1106.4,"endTime":1106.64,"body":"you"},{"speaker":"SPEAKER_01","startTime":1106.64,"endTime":1107.12,"body":"understand"},{"speaker":"SPEAKER_01","startTime":1107.12,"endTime":1107.36,"body":"what"},{"speaker":"SPEAKER_01","startTime":1107.36,"endTime":1107.68,"body":"you"},{"speaker":"SPEAKER_01","startTime":1107.68,"endTime":1108.0,"body":"have,"},{"speaker":"SPEAKER_01","startTime":1108.48,"endTime":1108.8,"body":"what"},{"speaker":"SPEAKER_01","startTime":1108.8,"endTime":1109.12,"body":"you"},{"speaker":"SPEAKER_01","startTime":1109.12,"endTime":1109.52,"body":"might"},{"speaker":"SPEAKER_01","startTime":1109.52,"endTime":1109.76,"body":"do"},{"speaker":"SPEAKER_01","startTime":1109.76,"endTime":1110.16,"body":"better,"},{"speaker":"SPEAKER_01","startTime":1110.4,"endTime":1110.96,"body":"answer"},{"speaker":"SPEAKER_01","startTime":1110.96,"endTime":1111.2,"body":"your"},{"speaker":"SPEAKER_01","startTime":1111.2,"endTime":1111.76,"body":"questions,"},{"speaker":"SPEAKER_01","startTime":1112.0,"endTime":1112.48,"body":"help"},{"speaker":"SPEAKER_01","startTime":1112.48,"endTime":1112.8,"body":"you"},{"speaker":"SPEAKER_01","startTime":1112.8,"endTime":1113.04,"body":"see"},{"speaker":"SPEAKER_01","startTime":1113.04,"endTime":1113.2,"body":"if"},{"speaker":"SPEAKER_01","startTime":1113.2,"endTime":1113.44,"body":"you're"},{"speaker":"SPEAKER_01","startTime":1113.44,"endTime":1113.6,"body":"on"},{"speaker":"SPEAKER_01","startTime":1113.6,"endTime":1113.76,"body":"the"},{"speaker":"SPEAKER_01","startTime":1113.76,"endTime":1114.0,"body":"right"},{"speaker":"SPEAKER_01","startTime":1114.0,"endTime":1114.32,"body":"track"},{"speaker":"SPEAKER_01","startTime":1114.32,"endTime":1114.48,"body":"for"},{"speaker":"SPEAKER_01","startTime":1114.48,"endTime":1114.56,"body":"the"},{"speaker":"SPEAKER_01","startTime":1114.56,"endTime":1114.8,"body":"future,"},{"speaker":"SPEAKER_01","startTime":1114.96,"endTime":1115.28,"body":"whatever"},{"speaker":"SPEAKER_01","startTime":1115.28,"endTime":1115.44,"body":"it"},{"speaker":"SPEAKER_01","startTime":1115.44,"endTime":1115.76,"body":"might"},{"speaker":"SPEAKER_01","startTime":1115.76,"endTime":1115.92,"body":"be."},{"speaker":"SPEAKER_01","startTime":1116.08,"endTime":1116.4,"body":"Yeah,"},{"speaker":"SPEAKER_01","startTime":1116.56,"endTime":1116.88,"body":"we're"},{"speaker":"SPEAKER_01","startTime":1116.88,"endTime":1117.04,"body":"not"},{"speaker":"SPEAKER_01","startTime":1117.04,"endTime":1117.2,"body":"going"},{"speaker":"SPEAKER_01","startTime":1117.2,"endTime":1117.28,"body":"to"},{"speaker":"SPEAKER_01","startTime":1117.28,"endTime":1117.68,"body":"manage"},{"speaker":"SPEAKER_01","startTime":1117.68,"endTime":1117.84,"body":"your"},{"speaker":"SPEAKER_01","startTime":1117.84,"endTime":1118.24,"body":"money,"},{"speaker":"SPEAKER_01","startTime":1118.32,"endTime":1118.64,"body":"because"},{"speaker":"SPEAKER_01","startTime":1118.64,"endTime":1119.04,"body":"that's"},{"speaker":"SPEAKER_01","startTime":1119.04,"endTime":1119.28,"body":"what"},{"speaker":"SPEAKER_01","startTime":1119.28,"endTime":1119.44,"body":"we"},{"speaker":"SPEAKER_01","startTime":1119.44,"endTime":1119.6,"body":"get"},{"speaker":"SPEAKER_01","startTime":1119.6,"endTime":1120.0,"body":"paid"},{"speaker":"SPEAKER_01","startTime":1120.0,"endTime":1120.08,"body":"to"},{"speaker":"SPEAKER_01","startTime":1120.08,"endTime":1120.32,"body":"do,"},{"speaker":"SPEAKER_01","startTime":1120.4,"endTime":1120.64,"body":"but"},{"speaker":"SPEAKER_01","startTime":1120.64,"endTime":1120.88,"body":"we"},{"speaker":"SPEAKER_01","startTime":1120.88,"endTime":1121.12,"body":"will"},{"speaker":"SPEAKER_01","startTime":1121.12,"endTime":1121.36,"body":"help"},{"speaker":"SPEAKER_01","startTime":1121.44,"endTime":1121.68,"body":"and"},{"speaker":"SPEAKER_01","startTime":1121.68,"endTime":1121.84,"body":"we"},{"speaker":"SPEAKER_01","startTime":1121.84,"endTime":1122.08,"body":"won't"},{"speaker":"SPEAKER_01","startTime":1122.08,"endTime":1122.32,"body":"try"},{"speaker":"SPEAKER_01","startTime":1122.32,"endTime":1122.48,"body":"to"},{"speaker":"SPEAKER_01","startTime":1122.48,"endTime":1122.72,"body":"sell"},{"speaker":"SPEAKER_01","startTime":1122.72,"endTime":1122.96,"body":"you"},{"speaker":"SPEAKER_01","startTime":1122.96,"endTime":1123.44,"body":"anything,"},{"speaker":"SPEAKER_01","startTime":1123.52,"endTime":1123.76,"body":"and"},{"speaker":"SPEAKER_01","startTime":1123.76,"endTime":1123.92,"body":"it"},{"speaker":"SPEAKER_01","startTime":1123.92,"endTime":1124.32,"body":"won't"},{"speaker":"SPEAKER_01","startTime":1124.32,"endTime":1124.56,"body":"cost"},{"speaker":"SPEAKER_01","startTime":1124.56,"endTime":1124.72,"body":"you"},{"speaker":"SPEAKER_01","startTime":1124.72,"endTime":1125.04,"body":"anything."},{"speaker":"SPEAKER_01","startTime":1125.12,"endTime":1125.28,"body":"Just"},{"speaker":"SPEAKER_01","startTime":1125.28,"endTime":1125.36,"body":"go"},{"speaker":"SPEAKER_01","startTime":1125.36,"endTime":1125.52,"body":"to"},{"speaker":"SPEAKER_01","startTime":1125.52,"endTime":1127.36,"body":"talkingrealmoney.com"},{"speaker":"SPEAKER_01","startTime":1127.6,"endTime":1127.92,"body":"and"},{"speaker":"SPEAKER_01","startTime":1127.92,"endTime":1128.4,"body":"click"},{"speaker":"SPEAKER_01","startTime":1128.4,"endTime":1128.48,"body":"on"},{"speaker":"SPEAKER_01","startTime":1128.48,"endTime":1128.64,"body":"the"},{"speaker":"SPEAKER_01","startTime":1128.64,"endTime":1128.8,"body":"button"},{"speaker":"SPEAKER_01","startTime":1128.8,"endTime":1128.96,"body":"that"},{"speaker":"SPEAKER_01","startTime":1128.96,"endTime":1129.2,"body":"says"},{"speaker":"SPEAKER_01","startTime":1129.2,"endTime":1129.44,"body":"meet"},{"speaker":"SPEAKER_01","startTime":1129.44,"endTime":1129.6,"body":"an"},{"speaker":"SPEAKER_01","startTime":1129.6,"endTime":1130.08,"body":"advisor."},{"speaker":"SPEAKER_01","startTime":1130.24,"endTime":1130.48,"body":"Or"},{"speaker":"SPEAKER_01","startTime":1130.48,"endTime":1130.64,"body":"if"},{"speaker":"SPEAKER_01","startTime":1130.64,"endTime":1130.72,"body":"you"},{"speaker":"SPEAKER_01","startTime":1130.72,"endTime":1130.8,"body":"just"},{"speaker":"SPEAKER_01","startTime":1130.8,"endTime":1130.96,"body":"want"},{"speaker":"SPEAKER_01","startTime":1130.96,"endTime":1131.04,"body":"to"},{"speaker":"SPEAKER_01","startTime":1131.04,"endTime":1131.36,"body":"ask"},{"speaker":"SPEAKER_01","startTime":1131.36,"endTime":1131.76,"body":"questions,"},{"speaker":"SPEAKER_01","startTime":1132.08,"endTime":1132.48,"body":"ask"},{"speaker":"SPEAKER_01","startTime":1132.48,"endTime":1132.8,"body":"a"},{"speaker":"SPEAKER_01","startTime":1132.8,"endTime":1133.2,"body":"question."},{"speaker":"SPEAKER_01","startTime":1133.36,"endTime":1133.6,"body":"And"},{"speaker":"SPEAKER_01","startTime":1133.6,"endTime":1134.08,"body":"please"},{"speaker":"SPEAKER_01","startTime":1134.08,"endTime":1134.4,"body":"keep"},{"speaker":"SPEAKER_01","startTime":1134.4,"endTime":1134.88,"body":"spreading"},{"speaker":"SPEAKER_01","startTime":1134.88,"endTime":1135.12,"body":"the"},{"speaker":"SPEAKER_01","startTime":1135.12,"endTime":1135.36,"body":"word,"},{"speaker":"SPEAKER_01","startTime":1135.52,"endTime":1135.76,"body":"and"},{"speaker":"SPEAKER_01","startTime":1135.76,"endTime":1136.24,"body":"please"},{"speaker":"SPEAKER_01","startTime":1136.24,"endTime":1136.56,"body":"keep"},{"speaker":"SPEAKER_01","startTime":1136.56,"endTime":1137.28,"body":"listening"},{"speaker":"SPEAKER_01","startTime":1137.28,"endTime":1137.6,"body":"to"},{"speaker":"SPEAKER_01","startTime":1137.84,"endTime":1138.48,"body":"Talking"},{"speaker":"SPEAKER_01","startTime":1138.48,"endTime":1138.8,"body":"Real"},{"speaker":"SPEAKER_01","startTime":1138.8,"endTime":1139.44,"body":"Money."},{"speaker":"SPEAKER_03","startTime":1139.76,"endTime":1139.92,"body":"The"},{"speaker":"SPEAKER_03","startTime":1139.92,"endTime":1140.4,"body":"opinions"},{"speaker":"SPEAKER_03","startTime":1140.4,"endTime":1140.48,"body":"and"},{"speaker":"SPEAKER_03","startTime":1140.48,"endTime":1140.72,"body":"we've"},{"speaker":"SPEAKER_03","startTime":1140.8,"endTime":1141.04,"body":"expressed"},{"speaker":"SPEAKER_03","startTime":1141.04,"endTime":1141.12,"body":"on"},{"speaker":"SPEAKER_03","startTime":1141.12,"endTime":1141.28,"body":"this"},{"speaker":"SPEAKER_03","startTime":1141.28,"endTime":1141.52,"body":"podcast"},{"speaker":"SPEAKER_03","startTime":1141.52,"endTime":1141.68,"body":"were"},{"speaker":"SPEAKER_03","startTime":1141.68,"endTime":1141.92,"body":"current"},{"speaker":"SPEAKER_03","startTime":1141.92,"endTime":1142.0,"body":"on"},{"speaker":"SPEAKER_03","startTime":1142.0,"endTime":1142.08,"body":"the"},{"speaker":"SPEAKER_03","startTime":1142.08,"endTime":1142.32,"body":"date"},{"speaker":"SPEAKER_03","startTime":1142.32,"endTime":1142.64,"body":"recorded."},{"speaker":"SPEAKER_03","startTime":1142.8,"endTime":1143.12,"body":"Opinions,"},{"speaker":"SPEAKER_03","startTime":1143.28,"endTime":1143.6,"body":"estimates,"},{"speaker":"SPEAKER_03","startTime":1143.68,"endTime":1144.08,"body":"forecasts,"},{"speaker":"SPEAKER_03","startTime":1144.16,"endTime":1144.24,"body":"and"},{"speaker":"SPEAKER_03","startTime":1144.24,"endTime":1144.48,"body":"statements"},{"speaker":"SPEAKER_03","startTime":1144.48,"endTime":1144.64,"body":"of"},{"speaker":"SPEAKER_03","startTime":1144.64,"endTime":1144.88,"body":"financial"},{"speaker":"SPEAKER_03","startTime":1144.88,"endTime":1145.12,"body":"market"},{"speaker":"SPEAKER_03","startTime":1145.12,"endTime":1145.44,"body":"trends"},{"speaker":"SPEAKER_03","startTime":1145.44,"endTime":1145.52,"body":"that"},{"speaker":"SPEAKER_03","startTime":1145.52,"endTime":1145.6,"body":"are"},{"speaker":"SPEAKER_03","startTime":1145.6,"endTime":1145.76,"body":"based"},{"speaker":"SPEAKER_03","startTime":1145.76,"endTime":1145.92,"body":"on"},{"speaker":"SPEAKER_03","startTime":1145.92,"endTime":1146.16,"body":"current"},{"speaker":"SPEAKER_03","startTime":1146.16,"endTime":1146.4,"body":"market"},{"speaker":"SPEAKER_03","startTime":1146.4,"endTime":1146.88,"body":"conditions"},{"speaker":"SPEAKER_03","startTime":1146.88,"endTime":1147.2,"body":"constitute"},{"speaker":"SPEAKER_03","startTime":1147.2,"endTime":1147.36,"body":"our"},{"speaker":"SPEAKER_03","startTime":1147.36,"endTime":1147.68,"body":"judgment"},{"speaker":"SPEAKER_03","startTime":1147.68,"endTime":1147.84,"body":"and"},{"speaker":"SPEAKER_03","startTime":1147.84,"endTime":1148.0,"body":"are"},{"speaker":"SPEAKER_03","startTime":1148.0,"endTime":1148.24,"body":"subject"},{"speaker":"SPEAKER_03","startTime":1148.24,"endTime":1148.4,"body":"to"},{"speaker":"SPEAKER_03","startTime":1148.4,"endTime":1148.56,"body":"change"},{"speaker":"SPEAKER_03","startTime":1148.56,"endTime":1148.8,"body":"without"},{"speaker":"SPEAKER_03","startTime":1148.8,"endTime":1149.04,"body":"notice,"},{"speaker":"SPEAKER_03","startTime":1149.12,"endTime":1149.44,"body":"including"},{"speaker":"SPEAKER_03","startTime":1149.44,"endTime":1149.6,"body":"any"},{"speaker":"SPEAKER_03","startTime":1149.6,"endTime":1150.24,"body":"forward-looking"},{"speaker":"SPEAKER_03","startTime":1150.24,"endTime":1150.56,"body":"estimates"},{"speaker":"SPEAKER_03","startTime":1150.56,"endTime":1150.72,"body":"or"},{"speaker":"SPEAKER_03","startTime":1150.72,"endTime":1150.96,"body":"statements"},{"speaker":"SPEAKER_03","startTime":1151.04,"endTime":1151.2,"body":"which"},{"speaker":"SPEAKER_03","startTime":1151.2,"endTime":1151.28,"body":"are"},{"speaker":"SPEAKER_03","startTime":1151.28,"endTime":1151.52,"body":"based"},{"speaker":"SPEAKER_03","startTime":1151.52,"endTime":1151.6,"body":"on"},{"speaker":"SPEAKER_03","startTime":1151.6,"endTime":1151.92,"body":"certain"},{"speaker":"SPEAKER_03","startTime":1151.92,"endTime":1152.48,"body":"expectations"},{"speaker":"SPEAKER_03","startTime":1152.48,"endTime":1152.64,"body":"and"},{"speaker":"SPEAKER_03","startTime":1152.64,"endTime":1153.04,"body":"assumptions."},{"speaker":"SPEAKER_03","startTime":1153.2,"endTime":1153.52,"body":"Although"},{"speaker":"SPEAKER_03","startTime":1153.52,"endTime":1153.92,"body":"information"},{"speaker":"SPEAKER_03","startTime":1153.92,"endTime":1154.08,"body":"and"},{"speaker":"SPEAKER_03","startTime":1154.08,"endTime":1154.48,"body":"opinions"},{"speaker":"SPEAKER_03","startTime":1154.48,"endTime":1154.72,"body":"given"},{"speaker":"SPEAKER_03","startTime":1154.72,"endTime":1154.88,"body":"have"},{"speaker":"SPEAKER_03","startTime":1154.88,"endTime":1154.96,"body":"been"},{"speaker":"SPEAKER_03","startTime":1154.96,"endTime":1155.28,"body":"obtained"},{"speaker":"SPEAKER_03","startTime":1155.28,"endTime":1155.44,"body":"from"},{"speaker":"SPEAKER_03","startTime":1155.52,"endTime":1155.68,"body":"or"},{"speaker":"SPEAKER_03","startTime":1155.68,"endTime":1155.92,"body":"based"},{"speaker":"SPEAKER_03","startTime":1155.92,"endTime":1156.08,"body":"on"},{"speaker":"SPEAKER_03","startTime":1156.08,"endTime":1156.56,"body":"sources"},{"speaker":"SPEAKER_03","startTime":1156.56,"endTime":1156.96,"body":"believed"},{"speaker":"SPEAKER_03","startTime":1156.96,"endTime":1157.04,"body":"to"},{"speaker":"SPEAKER_03","startTime":1157.04,"endTime":1157.2,"body":"be"},{"speaker":"SPEAKER_03","startTime":1157.2,"endTime":1157.6,"body":"reliable,"},{"speaker":"SPEAKER_03","startTime":1157.76,"endTime":1157.92,"body":"no"},{"speaker":"SPEAKER_03","startTime":1157.92,"endTime":1158.48,"body":"warranty"},{"speaker":"SPEAKER_03","startTime":1158.48,"endTime":1158.64,"body":"or"},{"speaker":"SPEAKER_03","startTime":1158.64,"endTime":1159.12,"body":"representation"},{"speaker":"SPEAKER_03","startTime":1159.12,"endTime":1159.28,"body":"is"},{"speaker":"SPEAKER_03","startTime":1159.28,"endTime":1159.52,"body":"made"},{"speaker":"SPEAKER_03","startTime":1159.52,"endTime":1159.68,"body":"as"},{"speaker":"SPEAKER_03","startTime":1159.68,"endTime":1159.84,"body":"to"},{"speaker":"SPEAKER_03","startTime":1159.84,"endTime":1160.0,"body":"their"},{"speaker":"SPEAKER_03","startTime":1160.0,"endTime":1160.48,"body":"correctness,"},{"speaker":"SPEAKER_03","startTime":1160.64,"endTime":1161.12,"body":"completeness,"},{"speaker":"SPEAKER_03","startTime":1161.2,"endTime":1161.36,"body":"or"},{"speaker":"SPEAKER_03","startTime":1161.36,"endTime":1162.0,"body":"accuracy."},{"speaker":"SPEAKER_03","startTime":1162.32,"endTime":1162.8,"body":"Information"},{"speaker":"SPEAKER_03","startTime":1162.8,"endTime":1163.2,"body":"presented"},{"speaker":"SPEAKER_03","startTime":1163.2,"endTime":1163.28,"body":"on"},{"speaker":"SPEAKER_03","startTime":1163.28,"endTime":1163.36,"body":"the"},{"speaker":"SPEAKER_03","startTime":1163.36,"endTime":1163.76,"body":"podcast"},{"speaker":"SPEAKER_03","startTime":1163.76,"endTime":1163.84,"body":"is"},{"speaker":"SPEAKER_03","startTime":1163.92,"endTime":1164.08,"body":"not"},{"speaker":"SPEAKER_03","startTime":1164.08,"endTime":1164.64,"body":"personalized"},{"speaker":"SPEAKER_03","startTime":1164.64,"endTime":1164.88,"body":"investment"},{"speaker":"SPEAKER_03","startTime":1164.88,"endTime":1165.12,"body":"advice"},{"speaker":"SPEAKER_03","startTime":1165.12,"endTime":1165.28,"body":"from"},{"speaker":"SPEAKER_03","startTime":1165.28,"endTime":1165.36,"body":"a"},{"speaker":"SPEAKER_03","startTime":1165.44,"endTime":1165.68,"body":"fellow"},{"speaker":"SPEAKER_03","startTime":1165.76,"endTime":1166.0,"body":"wealth."},{"speaker":"SPEAKER_03","startTime":1166.08,"endTime":1166.16,"body":"The"},{"speaker":"SPEAKER_03","startTime":1166.16,"endTime":1166.4,"body":"views"},{"speaker":"SPEAKER_03","startTime":1166.4,"endTime":1166.56,"body":"and"},{"speaker":"SPEAKER_03","startTime":1166.56,"endTime":1167.04,"body":"strategies"},{"speaker":"SPEAKER_03","startTime":1167.04,"endTime":1167.52,"body":"described"},{"speaker":"SPEAKER_03","startTime":1167.52,"endTime":1167.68,"body":"may"},{"speaker":"SPEAKER_03","startTime":1167.68,"endTime":1167.84,"body":"not"},{"speaker":"SPEAKER_03","startTime":1167.84,"endTime":1167.92,"body":"be"},{"speaker":"SPEAKER_03","startTime":1167.92,"endTime":1168.32,"body":"suitable"},{"speaker":"SPEAKER_03","startTime":1168.32,"endTime":1168.4,"body":"for"},{"speaker":"SPEAKER_03","startTime":1168.4,"endTime":1168.8,"body":"everyone."},{"speaker":"SPEAKER_03","startTime":1169.12,"endTime":1169.28,"body":"This"},{"speaker":"SPEAKER_03","startTime":1169.28,"endTime":1169.68,"body":"podcast"},{"speaker":"SPEAKER_03","startTime":1169.68,"endTime":1169.84,"body":"does"},{"speaker":"SPEAKER_03","startTime":1169.84,"endTime":1170.0,"body":"not"},{"speaker":"SPEAKER_03","startTime":1170.0,"endTime":1170.4,"body":"identify"},{"speaker":"SPEAKER_03","startTime":1170.4,"endTime":1170.48,"body":"all"},{"speaker":"SPEAKER_03","startTime":1170.48,"endTime":1170.64,"body":"the"},{"speaker":"SPEAKER_03","startTime":1170.64,"endTime":1170.88,"body":"risks,"},{"speaker":"SPEAKER_03","startTime":1171.04,"endTime":1171.28,"body":"director,"},{"speaker":"SPEAKER_03","startTime":1171.44,"endTime":1171.76,"body":"indirect,"},{"speaker":"SPEAKER_03","startTime":1172.0,"endTime":1172.08,"body":"or"},{"speaker":"SPEAKER_03","startTime":1172.16,"endTime":1172.32,"body":"other"},{"speaker":"SPEAKER_03","startTime":1172.32,"endTime":1172.8,"body":"considerations"},{"speaker":"SPEAKER_03","startTime":1172.88,"endTime":1173.04,"body":"which"},{"speaker":"SPEAKER_03","startTime":1173.04,"endTime":1173.2,"body":"might"},{"speaker":"SPEAKER_03","startTime":1173.2,"endTime":1173.28,"body":"be"},{"speaker":"SPEAKER_03","startTime":1173.44,"endTime":1173.76,"body":"material"},{"speaker":"SPEAKER_03","startTime":1173.76,"endTime":1173.84,"body":"to"},{"speaker":"SPEAKER_03","startTime":1173.84,"endTime":1174.0,"body":"you"},{"speaker":"SPEAKER_03","startTime":1174.0,"endTime":1174.24,"body":"when"},{"speaker":"SPEAKER_03","startTime":1174.24,"endTime":1174.48,"body":"entering"},{"speaker":"SPEAKER_03","startTime":1174.56,"endTime":1174.72,"body":"any"},{"speaker":"SPEAKER_03","startTime":1174.88,"endTime":1175.28,"body":"financial"},{"speaker":"SPEAKER_03","startTime":1175.28,"endTime":1175.76,"body":"transactions."},{"speaker":"SPEAKER_03","startTime":1180.16,"endTime":1180.32,"body":"We"},{"speaker":"SPEAKER_03","startTime":1180.32,"endTime":1180.48,"body":"hope"},{"speaker":"SPEAKER_03","startTime":1180.48,"endTime":1180.56,"body":"you"},{"speaker":"SPEAKER_03","startTime":1180.64,"endTime":1180.96,"body":"realize"},{"speaker":"SPEAKER_03","startTime":1180.96,"endTime":1181.04,"body":"that"},{"speaker":"SPEAKER_03","startTime":1181.04,"endTime":1181.12,"body":"the"},{"speaker":"SPEAKER_03","startTime":1181.12,"endTime":1181.44,"body":"information"},{"speaker":"SPEAKER_03","startTime":1181.44,"endTime":1181.68,"body":"provided"},{"speaker":"SPEAKER_03","startTime":1181.68,"endTime":1181.84,"body":"on"},{"speaker":"SPEAKER_03","startTime":1181.84,"endTime":1182.24,"body":"Talking"},{"speaker":"SPEAKER_03","startTime":1182.32,"endTime":1182.48,"body":"Real"},{"speaker":"SPEAKER_03","startTime":1182.56,"endTime":1182.8,"body":"Money"},{"speaker":"SPEAKER_03","startTime":1182.8,"endTime":1182.88,"body":"is"},{"speaker":"SPEAKER_03","startTime":1182.88,"endTime":1183.04,"body":"for"},{"speaker":"SPEAKER_03","startTime":1183.04,"endTime":1183.44,"body":"informational,"},{"speaker":"SPEAKER_03","startTime":1183.52,"endTime":1183.92,"body":"educational,"},{"speaker":"SPEAKER_03","startTime":1184.0,"endTime":1184.16,"body":"and"},{"speaker":"SPEAKER_03","startTime":1184.16,"endTime":1184.4,"body":"hopefully"},{"speaker":"SPEAKER_03","startTime":1184.56,"endTime":1185.04,"body":"employable"},{"speaker":"SPEAKER_03","startTime":1185.12,"endTime":1185.6,"body":"purposes"},{"speaker":"SPEAKER_03","startTime":1185.6,"endTime":1185.84,"body":"only."},{"speaker":"SPEAKER_03","startTime":1186.24,"endTime":1186.4,"body":"This"},{"speaker":"SPEAKER_03","startTime":1186.4,"endTime":1186.8,"body":"podcast"},{"speaker":"SPEAKER_03","startTime":1186.8,"endTime":1186.88,"body":"is"},{"speaker":"SPEAKER_03","startTime":1186.88,"endTime":1187.04,"body":"not"},{"speaker":"SPEAKER_03","startTime":1187.04,"endTime":1187.2,"body":"trying"},{"speaker":"SPEAKER_03","startTime":1187.2,"endTime":1187.28,"body":"to"},{"speaker":"SPEAKER_03","startTime":1187.28,"endTime":1187.36,"body":"get"},{"speaker":"SPEAKER_03","startTime":1187.36,"endTime":1187.44,"body":"you"},{"speaker":"SPEAKER_03","startTime":1187.44,"endTime":1187.52,"body":"to"},{"speaker":"SPEAKER_03","startTime":1187.52,"endTime":1187.68,"body":"buy"},{"speaker":"SPEAKER_03","startTime":1187.76,"endTime":1187.84,"body":"or"},{"speaker":"SPEAKER_03","startTime":1187.92,"endTime":1188.0,"body":"sell"},{"speaker":"SPEAKER_03","startTime":1188.16,"endTime":1188.32,"body":"money"},{"speaker":"SPEAKER_03","startTime":1188.48,"endTime":1188.8,"body":"financial"},{"speaker":"SPEAKER_03","startTime":1188.8,"endTime":1189.12,"body":"products"},{"speaker":"SPEAKER_03","startTime":1189.12,"endTime":1189.28,"body":"for"},{"speaker":"SPEAKER_03","startTime":1189.28,"endTime":1189.76,"body":"securities."},{"speaker":"SPEAKER_03","startTime":1190.0,"endTime":1190.32,"body":"Instead,"},{"speaker":"SPEAKER_03","startTime":1190.4,"endTime":1190.48,"body":"the"},{"speaker":"SPEAKER_03","startTime":1190.48,"endTime":1190.8,"body":"program"},{"speaker":"SPEAKER_03","startTime":1190.8,"endTime":1190.88,"body":"is"},{"speaker":"SPEAKER_03","startTime":1190.96,"endTime":1191.28,"body":"provided"},{"speaker":"SPEAKER_03","startTime":1191.28,"endTime":1191.44,"body":"as"},{"speaker":"SPEAKER_03","startTime":1191.44,"endTime":1191.52,"body":"a"},{"speaker":"SPEAKER_03","startTime":1191.52,"endTime":1191.68,"body":"public"},{"speaker":"SPEAKER_03","startTime":1191.68,"endTime":1191.92,"body":"service"},{"speaker":"SPEAKER_03","startTime":1191.92,"endTime":1192.08,"body":"by"},{"speaker":"SPEAKER_03","startTime":1192.08,"endTime":1192.4,"body":"Apello"},{"speaker":"SPEAKER_03","startTime":1192.48,"endTime":1192.64,"body":"Wealth,"},{"speaker":"SPEAKER_03","startTime":1192.8,"endTime":1192.88,"body":"a"},{"speaker":"SPEAKER_03","startTime":1192.96,"endTime":1193.04,"body":"C"},{"speaker":"SPEAKER_03","startTime":1193.12,"endTime":1193.2,"body":"only"},{"speaker":"SPEAKER_03","startTime":1193.36,"endTime":1193.76,"body":"registered"},{"speaker":"SPEAKER_03","startTime":1193.76,"endTime":1194.16,"body":"investment"},{"speaker":"SPEAKER_03","startTime":1194.16,"endTime":1194.56,"body":"advisor."},{"speaker":"SPEAKER_03","startTime":1200.32,"endTime":1200.4,"body":"A"},{"speaker":"SPEAKER_03","startTime":1200.4,"endTime":1200.48,"body":"public"},{"speaker":"SPEAKER_03","startTime":1200.72,"endTime":1200.88,"body":"capital"},{"speaker":"SPEAKER_03","startTime":1201.12,"endTime":1201.2,"body":"L"},{"speaker":"SPEAKER_03","startTime":1201.28,"endTime":1201.36,"body":"L"},{"speaker":"SPEAKER_03","startTime":1201.44,"endTime":1201.52,"body":"C"},{"speaker":"SPEAKER_03","startTime":1201.68,"endTime":1201.76,"body":"D"},{"speaker":"SPEAKER_03","startTime":1201.84,"endTime":1201.92,"body":"B"},{"speaker":"SPEAKER_03","startTime":1202.0,"endTime":1202.08,"body":"A"},{"speaker":"SPEAKER_03","startTime":1202.16,"endTime":1202.4,"body":"Apello"},{"speaker":"SPEAKER_03","startTime":1202.48,"endTime":1202.8,"body":"Wealth"},{"speaker":"SPEAKER_03","startTime":1202.88,"endTime":1202.96,"body":"is"},{"speaker":"SPEAKER_03","startTime":1202.96,"endTime":1203.04,"body":"an"},{"speaker":"SPEAKER_03","startTime":1203.04,"endTime":1203.36,"body":"investment"},{"speaker":"SPEAKER_03","startTime":1203.36,"endTime":1203.76,"body":"advisory"},{"speaker":"SPEAKER_03","startTime":1203.92,"endTime":1204.08,"body":"firm"},{"speaker":"SPEAKER_03","startTime":1204.24,"endTime":1204.56,"body":"registered"},{"speaker":"SPEAKER_03","startTime":1204.64,"endTime":1204.72,"body":"with"},{"speaker":"SPEAKER_03","startTime":1204.72,"endTime":1204.8,"body":"the"},{"speaker":"SPEAKER_03","startTime":1204.88,"endTime":1205.2,"body":"securities"},{"speaker":"SPEAKER_03","startTime":1205.28,"endTime":1205.36,"body":"and"},{"speaker":"SPEAKER_03","startTime":1205.44,"endTime":1205.76,"body":"exchange"},{"speaker":"SPEAKER_03","startTime":1205.84,"endTime":1206.24,"body":"commissioners."},{"speaker":"SPEAKER_03","startTime":1206.4,"endTime":1206.48,"body":"The"},{"speaker":"SPEAKER_03","startTime":1206.48,"endTime":1206.64,"body":"firm"},{"speaker":"SPEAKER_03","startTime":1206.72,"endTime":1206.88,"body":"only"},{"speaker":"SPEAKER_03","startTime":1206.88,"endTime":1207.28,"body":"transduct"},{"speaker":"SPEAKER_03","startTime":1207.44,"endTime":1207.76,"body":"business"},{"speaker":"SPEAKER_03","startTime":1207.76,"endTime":1207.84,"body":"in"},{"speaker":"SPEAKER_03","startTime":1207.84,"endTime":1207.92,"body":"the"},{"speaker":"SPEAKER_03","startTime":1207.92,"endTime":1208.16,"body":"states"},{"speaker":"SPEAKER_03","startTime":1208.16,"endTime":1208.24,"body":"where"},{"speaker":"SPEAKER_03","startTime":1208.24,"endTime":1208.4,"body":"it"},{"speaker":"SPEAKER_03","startTime":1208.4,"endTime":1208.48,"body":"is"},{"speaker":"SPEAKER_03","startTime":1208.64,"endTime":1208.96,"body":"properly"},{"speaker":"SPEAKER_03","startTime":1209.04,"endTime":1209.36,"body":"registered,"},{"speaker":"SPEAKER_03","startTime":1209.44,"endTime":1209.6,"body":"or"},{"speaker":"SPEAKER_03","startTime":1209.6,"endTime":1210.0,"body":"excluded,"},{"speaker":"SPEAKER_03","startTime":1210.08,"endTime":1210.24,"body":"or"},{"speaker":"SPEAKER_03","startTime":1210.24,"endTime":1210.56,"body":"exempt"},{"speaker":"SPEAKER_03","startTime":1210.64,"endTime":1210.8,"body":"from"},{"speaker":"SPEAKER_03","startTime":1210.8,"endTime":1211.28,"body":"registration."},{"speaker":"SPEAKER_03","startTime":1212.0,"endTime":1212.56,"body":"Registration"},{"speaker":"SPEAKER_03","startTime":1212.56,"endTime":1212.72,"body":"with"},{"speaker":"SPEAKER_03","startTime":1212.72,"endTime":1212.8,"body":"the"},{"speaker":"SPEAKER_03","startTime":1212.8,"endTime":1213.36,"body":"SCC"},{"speaker":"SPEAKER_03","startTime":1213.36,"endTime":1213.44,"body":"or"},{"speaker":"SPEAKER_03","startTime":1213.44,"endTime":1213.6,"body":"any"},{"speaker":"SPEAKER_03","startTime":1213.6,"endTime":1213.84,"body":"state"},{"speaker":"SPEAKER_03","startTime":1213.84,"endTime":1214.24,"body":"securities"},{"speaker":"SPEAKER_03","startTime":1214.24,"endTime":1214.48,"body":"authority"},{"speaker":"SPEAKER_03","startTime":1214.56,"endTime":1214.64,"body":"is"},{"speaker":"SPEAKER_03","startTime":1214.72,"endTime":1214.8,"body":"not"},{"speaker":"SPEAKER_03","startTime":1215.04,"endTime":1215.12,"body":"at"},{"speaker":"SPEAKER_03","startTime":1215.2,"endTime":1215.28,"body":"a"},{"speaker":"SPEAKER_03","startTime":1215.28,"endTime":1215.44,"body":"certain"},{"speaker":"SPEAKER_03","startTime":1215.44,"endTime":1215.52,"body":"level"},{"speaker":"SPEAKER_03","startTime":1215.6,"endTime":1215.68,"body":"of"},{"speaker":"SPEAKER_03","startTime":1215.68,"endTime":1215.84,"body":"still"},{"speaker":"SPEAKER_03","startTime":1216.0,"endTime":1216.24,"body":"attraction."},{"speaker":"SPEAKER_03","startTime":1216.48,"endTime":1216.88,"body":"Apollo"},{"speaker":"SPEAKER_03","startTime":1216.96,"endTime":1217.04,"body":"does"},{"speaker":"SPEAKER_03","startTime":1217.04,"endTime":1217.12,"body":"not"},{"speaker":"SPEAKER_03","startTime":1217.12,"endTime":1217.44,"body":"provide"},{"speaker":"SPEAKER_03","startTime":1217.44,"endTime":1217.52,"body":"tax"},{"speaker":"SPEAKER_03","startTime":1217.68,"endTime":1217.84,"body":"or"},{"speaker":"SPEAKER_03","startTime":1217.84,"endTime":1218.08,"body":"legal"},{"speaker":"SPEAKER_03","startTime":1218.08,"endTime":1218.24,"body":"advice,"},{"speaker":"SPEAKER_03","startTime":1218.32,"endTime":1218.4,"body":"so"},{"speaker":"SPEAKER_03","startTime":1218.48,"endTime":1218.64,"body":"nothing"},{"speaker":"SPEAKER_03","startTime":1218.72,"endTime":1218.96,"body":"either"},{"speaker":"SPEAKER_03","startTime":1218.96,"endTime":1219.2,"body":"stated"},{"speaker":"SPEAKER_03","startTime":1219.2,"endTime":1219.36,"body":"or"},{"speaker":"SPEAKER_03","startTime":1219.36,"endTime":1219.44,"body":"in"},{"speaker":"SPEAKER_03","startTime":1219.52,"endTime":1219.68,"body":"five"},{"speaker":"SPEAKER_03","startTime":1219.76,"endTime":1219.92,"body":"years"},{"speaker":"SPEAKER_03","startTime":1220.0,"endTime":1220.16,"body":"should"},{"speaker":"SPEAKER_03","startTime":1220.16,"endTime":1220.24,"body":"be"},{"speaker":"SPEAKER_03","startTime":1220.24,"endTime":1220.64,"body":"inferred"},{"speaker":"SPEAKER_03","startTime":1220.64,"endTime":1220.8,"body":"as"},{"speaker":"SPEAKER_03","startTime":1220.8,"endTime":1221.2,"body":"providing"},{"speaker":"SPEAKER_03","startTime":1221.2,"endTime":1221.44,"body":"such"},{"speaker":"SPEAKER_03","startTime":1221.44,"endTime":1221.92,"body":"advice."},{"speaker":"SPEAKER_03","startTime":1222.4,"endTime":1222.72,"body":"Thanks"},{"speaker":"SPEAKER_03","startTime":1222.72,"endTime":1222.88,"body":"for"},{"speaker":"SPEAKER_03","startTime":1222.88,"endTime":1223.2,"body":"listening,"},{"speaker":"SPEAKER_03","startTime":1223.28,"endTime":1223.44,"body":"and"},{"speaker":"SPEAKER_03","startTime":1223.44,"endTime":1223.68,"body":"please"},{"speaker":"SPEAKER_03","startTime":1223.68,"endTime":1223.92,"body":"visit"},{"speaker":"SPEAKER_03","startTime":1223.92,"endTime":1225.2,"body":"talkingrealmoney.com"},{"speaker":"SPEAKER_03","startTime":1225.2,"endTime":1225.36,"body":"for"},{"speaker":"SPEAKER_03","startTime":1225.36,"endTime":1225.52,"body":"more"},{"speaker":"SPEAKER_03","startTime":1225.52,"endTime":1225.84,"body":"information"},{"speaker":"SPEAKER_03","startTime":1225.84,"endTime":1226.08,"body":"and"},{"speaker":"SPEAKER_03","startTime":1226.08,"endTime":1226.32,"body":"important"},{"speaker":"SPEAKER_03","startTime":1226.32,"endTime":1226.88,"body":"disclosure"},{"speaker":"SPEAKER_03","startTime":1226.88,"endTime":1227.2,"body":"related"},{"speaker":"SPEAKER_03","startTime":1227.2,"endTime":1227.28,"body":"to"},{"speaker":"SPEAKER_03","startTime":1227.36,"endTime":1227.76,"body":"performance"},{"speaker":"SPEAKER_03","startTime":1227.76,"endTime":1227.92,"body":"of"},{"speaker":"SPEAKER_03","startTime":1227.92,"endTime":1228.16,"body":"any"},{"speaker":"SPEAKER_03","startTime":1228.16,"endTime":1228.48,"body":"specific"},{"speaker":"SPEAKER_03","startTime":1228.48,"endTime":1228.8,"body":"index"},{"speaker":"SPEAKER_03","startTime":1228.8,"endTime":1228.96,"body":"or"},{"speaker":"SPEAKER_03","startTime":1228.96,"endTime":1229.2,"body":"fund"},{"speaker":"SPEAKER_03","startTime":1229.2,"endTime":1229.6,"body":"quoted"},{"speaker":"SPEAKER_03","startTime":1229.68,"endTime":1229.76,"body":"in"},{"speaker":"SPEAKER_03","startTime":1229.76,"endTime":1230.0,"body":"this"},{"speaker":"SPEAKER_03","startTime":1230.0,"endTime":1230.48,"body":"podcast."},{"speaker":"SPEAKER_03","startTime":1230.8,"endTime":1231.04,"body":"And"},{"speaker":"SPEAKER_03","startTime":1231.04,"endTime":1231.28,"body":"the"},{"speaker":"SPEAKER_03","startTime":1231.28,"endTime":1231.84,"body":"lawyers"},{"speaker":"SPEAKER_03","startTime":1231.84,"endTime":1232.16,"body":"get"},{"speaker":"SPEAKER_03","startTime":1232.16,"endTime":1232.8,"body":"richer."}]}