{"version":"1.0.0","segments":[{"speaker":"SPEAKER_02","startTime":5.68,"endTime":6.0,"body":"Welcome"},{"speaker":"SPEAKER_02","startTime":6.32,"endTime":6.4,"body":"to"},{"speaker":"SPEAKER_02","startTime":6.56,"endTime":6.72,"body":"a"},{"speaker":"SPEAKER_02","startTime":6.72,"endTime":6.88,"body":"really"},{"speaker":"SPEAKER_02","startTime":7.12,"endTime":7.44,"body":"great"},{"speaker":"SPEAKER_02","startTime":7.6,"endTime":8.0,"body":"financial"},{"speaker":"SPEAKER_02","startTime":8.16,"endTime":8.48,"body":"future."},{"speaker":"SPEAKER_02","startTime":8.88,"endTime":9.2,"body":"Tom"},{"speaker":"SPEAKER_02","startTime":9.2,"endTime":9.44,"body":"and"},{"speaker":"SPEAKER_02","startTime":9.44,"endTime":9.6,"body":"Don"},{"speaker":"SPEAKER_02","startTime":9.76,"endTime":10.0,"body":"are"},{"speaker":"SPEAKER_02","startTime":10.0,"endTime":10.56,"body":"talking"},{"speaker":"SPEAKER_02","startTime":10.56,"endTime":10.72,"body":"real"},{"speaker":"SPEAKER_02","startTime":10.96,"endTime":11.76,"body":"money."},{"speaker":"SPEAKER_01","startTime":12.32,"endTime":12.56,"body":"Well,"},{"speaker":"SPEAKER_01","startTime":12.72,"endTime":12.96,"body":"it's"},{"speaker":"SPEAKER_01","startTime":12.96,"endTime":13.2,"body":"the"},{"speaker":"SPEAKER_01","startTime":13.2,"endTime":13.36,"body":"best"},{"speaker":"SPEAKER_01","startTime":13.36,"endTime":13.6,"body":"day"},{"speaker":"SPEAKER_01","startTime":13.6,"endTime":13.76,"body":"of"},{"speaker":"SPEAKER_01","startTime":13.76,"endTime":13.92,"body":"the"},{"speaker":"SPEAKER_01","startTime":13.92,"endTime":14.16,"body":"week,"},{"speaker":"SPEAKER_01","startTime":14.4,"endTime":14.64,"body":"right?"},{"speaker":"SPEAKER_01","startTime":14.8,"endTime":15.12,"body":"It's"},{"speaker":"SPEAKER_01","startTime":15.12,"endTime":15.68,"body":"Friday."},{"speaker":"SPEAKER_01","startTime":15.84,"endTime":16.08,"body":"Hi,"},{"speaker":"SPEAKER_01","startTime":16.16,"endTime":16.4,"body":"everybody."},{"speaker":"SPEAKER_01","startTime":16.48,"endTime":16.8,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":16.8,"endTime":17.04,"body":"Don"},{"speaker":"SPEAKER_01","startTime":17.04,"endTime":17.76,"body":"McDonald."},{"speaker":"SPEAKER_01","startTime":17.84,"endTime":18.08,"body":"This"},{"speaker":"SPEAKER_01","startTime":18.08,"endTime":18.32,"body":"is"},{"speaker":"SPEAKER_01","startTime":18.32,"endTime":18.8,"body":"Talking"},{"speaker":"SPEAKER_01","startTime":18.8,"endTime":19.04,"body":"Real"},{"speaker":"SPEAKER_01","startTime":19.04,"endTime":19.44,"body":"Money,"},{"speaker":"SPEAKER_01","startTime":19.6,"endTime":19.84,"body":"the"},{"speaker":"SPEAKER_01","startTime":19.84,"endTime":20.64,"body":"podcast."},{"speaker":"SPEAKER_01","startTime":20.96,"endTime":21.28,"body":"And"},{"speaker":"SPEAKER_01","startTime":21.28,"endTime":21.6,"body":"look,"},{"speaker":"SPEAKER_01","startTime":21.76,"endTime":22.16,"body":"it's"},{"speaker":"SPEAKER_01","startTime":22.16,"endTime":22.48,"body":"Tom"},{"speaker":"SPEAKER_01","startTime":22.48,"endTime":23.36,"body":"calling."},{"speaker":"SPEAKER_01","startTime":23.68,"endTime":24.0,"body":"All"},{"speaker":"SPEAKER_01","startTime":24.0,"endTime":24.16,"body":"right,"},{"speaker":"SPEAKER_01","startTime":24.24,"endTime":24.4,"body":"I"},{"speaker":"SPEAKER_01","startTime":24.4,"endTime":24.64,"body":"got"},{"speaker":"SPEAKER_01","startTime":24.64,"endTime":24.8,"body":"rid"},{"speaker":"SPEAKER_01","startTime":24.8,"endTime":25.12,"body":"of"},{"speaker":"SPEAKER_01","startTime":25.12,"endTime":25.44,"body":"him."},{"speaker":"SPEAKER_01","startTime":25.68,"endTime":26.24,"body":"Literally,"},{"speaker":"SPEAKER_01","startTime":26.4,"endTime":26.56,"body":"he"},{"speaker":"SPEAKER_01","startTime":26.56,"endTime":26.88,"body":"calls"},{"speaker":"SPEAKER_01","startTime":26.96,"endTime":27.2,"body":"like"},{"speaker":"SPEAKER_01","startTime":27.28,"endTime":27.6,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":27.6,"endTime":28.08,"body":"seconds"},{"speaker":"SPEAKER_01","startTime":28.08,"endTime":28.32,"body":"into"},{"speaker":"SPEAKER_01","startTime":28.32,"endTime":28.64,"body":"recording,"},{"speaker":"SPEAKER_01","startTime":28.8,"endTime":28.96,"body":"and"},{"speaker":"SPEAKER_01","startTime":28.96,"endTime":29.2,"body":"he"},{"speaker":"SPEAKER_01","startTime":29.2,"endTime":29.84,"body":"calls."},{"speaker":"SPEAKER_01","startTime":30.48,"endTime":30.64,"body":"It"},{"speaker":"SPEAKER_01","startTime":30.64,"endTime":30.96,"body":"looks"},{"speaker":"SPEAKER_01","startTime":30.96,"endTime":31.12,"body":"like"},{"speaker":"SPEAKER_01","startTime":31.12,"endTime":31.2,"body":"we"},{"speaker":"SPEAKER_01","startTime":31.2,"endTime":31.44,"body":"might"},{"speaker":"SPEAKER_01","startTime":31.44,"endTime":31.6,"body":"get"},{"speaker":"SPEAKER_01","startTime":31.6,"endTime":31.68,"body":"a"},{"speaker":"SPEAKER_01","startTime":31.68,"endTime":31.92,"body":"really"},{"speaker":"SPEAKER_01","startTime":31.92,"endTime":32.16,"body":"cool"},{"speaker":"SPEAKER_01","startTime":32.16,"endTime":32.64,"body":"interview."},{"speaker":"SPEAKER_01","startTime":32.88,"endTime":33.28,"body":"Really"},{"speaker":"SPEAKER_01","startTime":33.28,"endTime":33.6,"body":"cool"},{"speaker":"SPEAKER_01","startTime":33.6,"endTime":34.0,"body":"interview."},{"speaker":"SPEAKER_01","startTime":34.16,"endTime":34.32,"body":"This"},{"speaker":"SPEAKER_01","startTime":34.32,"endTime":34.48,"body":"is"},{"speaker":"SPEAKER_01","startTime":34.48,"endTime":34.56,"body":"going"},{"speaker":"SPEAKER_01","startTime":34.56,"endTime":34.64,"body":"to"},{"speaker":"SPEAKER_01","startTime":34.64,"endTime":34.8,"body":"be"},{"speaker":"SPEAKER_01","startTime":34.8,"endTime":34.96,"body":"really"},{"speaker":"SPEAKER_01","startTime":34.96,"endTime":35.2,"body":"fun."},{"speaker":"SPEAKER_01","startTime":35.28,"endTime":35.44,"body":"We"},{"speaker":"SPEAKER_01","startTime":35.44,"endTime":35.6,"body":"don't"},{"speaker":"SPEAKER_01","startTime":35.6,"endTime":35.76,"body":"do"},{"speaker":"SPEAKER_01","startTime":35.76,"endTime":35.92,"body":"very"},{"speaker":"SPEAKER_01","startTime":35.92,"endTime":36.16,"body":"many"},{"speaker":"SPEAKER_01","startTime":36.16,"endTime":36.48,"body":"interviews,"},{"speaker":"SPEAKER_01","startTime":36.56,"endTime":36.72,"body":"but"},{"speaker":"SPEAKER_01","startTime":36.72,"endTime":36.8,"body":"this"},{"speaker":"SPEAKER_01","startTime":36.8,"endTime":36.96,"body":"one"},{"speaker":"SPEAKER_01","startTime":36.96,"endTime":37.04,"body":"is"},{"speaker":"SPEAKER_01","startTime":37.04,"endTime":37.28,"body":"worth"},{"speaker":"SPEAKER_01","startTime":37.28,"endTime":37.44,"body":"doing."},{"speaker":"SPEAKER_01","startTime":37.6,"endTime":37.76,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":37.76,"endTime":37.92,"body":"not"},{"speaker":"SPEAKER_01","startTime":37.92,"endTime":38.0,"body":"going"},{"speaker":"SPEAKER_01","startTime":38.0,"endTime":38.08,"body":"to"},{"speaker":"SPEAKER_01","startTime":38.08,"endTime":38.16,"body":"tell"},{"speaker":"SPEAKER_01","startTime":38.16,"endTime":38.32,"body":"you"},{"speaker":"SPEAKER_01","startTime":38.32,"endTime":38.56,"body":"anything"},{"speaker":"SPEAKER_01","startTime":38.56,"endTime":38.72,"body":"more"},{"speaker":"SPEAKER_01","startTime":38.72,"endTime":38.88,"body":"about"},{"speaker":"SPEAKER_01","startTime":38.88,"endTime":38.96,"body":"it"},{"speaker":"SPEAKER_01","startTime":39.2,"endTime":39.44,"body":"than"},{"speaker":"SPEAKER_01","startTime":39.68,"endTime":40.08,"body":"keep"},{"speaker":"SPEAKER_01","startTime":40.08,"endTime":40.64,"body":"listening"},{"speaker":"SPEAKER_01","startTime":40.8,"endTime":40.96,"body":"because"},{"speaker":"SPEAKER_01","startTime":41.28,"endTime":41.44,"body":"if"},{"speaker":"SPEAKER_01","startTime":41.44,"endTime":41.6,"body":"we"},{"speaker":"SPEAKER_01","startTime":41.6,"endTime":41.84,"body":"get"},{"speaker":"SPEAKER_01","startTime":41.84,"endTime":42.0,"body":"this"},{"speaker":"SPEAKER_01","startTime":42.0,"endTime":42.32,"body":"interview,"},{"speaker":"SPEAKER_01","startTime":42.4,"endTime":42.64,"body":"you're,"},{"speaker":"SPEAKER_01","startTime":42.8,"endTime":43.12,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":43.12,"endTime":43.28,"body":"going"},{"speaker":"SPEAKER_01","startTime":43.28,"endTime":43.36,"body":"to"},{"speaker":"SPEAKER_01","startTime":43.36,"endTime":43.6,"body":"love"},{"speaker":"SPEAKER_01","startTime":43.6,"endTime":43.76,"body":"it."},{"speaker":"SPEAKER_01","startTime":44.0,"endTime":44.32,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":44.32,"endTime":44.4,"body":"going"},{"speaker":"SPEAKER_01","startTime":44.4,"endTime":44.56,"body":"to"},{"speaker":"SPEAKER_01","startTime":44.56,"endTime":44.8,"body":"love"},{"speaker":"SPEAKER_01","startTime":44.8,"endTime":44.96,"body":"it."},{"speaker":"SPEAKER_01","startTime":45.04,"endTime":45.2,"body":"And"},{"speaker":"SPEAKER_01","startTime":45.2,"endTime":45.36,"body":"I"},{"speaker":"SPEAKER_01","startTime":45.36,"endTime":45.68,"body":"don't"},{"speaker":"SPEAKER_01","startTime":45.68,"endTime":45.92,"body":"love"},{"speaker":"SPEAKER_01","startTime":45.92,"endTime":46.24,"body":"doing"},{"speaker":"SPEAKER_01","startTime":46.24,"endTime":46.72,"body":"interviews."},{"speaker":"SPEAKER_01","startTime":46.88,"endTime":47.04,"body":"This"},{"speaker":"SPEAKER_01","startTime":47.04,"endTime":47.36,"body":"one's"},{"speaker":"SPEAKER_01","startTime":47.36,"endTime":47.44,"body":"going"},{"speaker":"SPEAKER_01","startTime":47.44,"endTime":47.52,"body":"to"},{"speaker":"SPEAKER_01","startTime":47.52,"endTime":47.76,"body":"be"},{"speaker":"SPEAKER_01","startTime":47.76,"endTime":48.0,"body":"really"},{"speaker":"SPEAKER_01","startTime":48.0,"endTime":48.24,"body":"fun."},{"speaker":"SPEAKER_01","startTime":48.4,"endTime":48.64,"body":"And"},{"speaker":"SPEAKER_01","startTime":48.64,"endTime":48.96,"body":"I"},{"speaker":"SPEAKER_01","startTime":48.96,"endTime":49.12,"body":"think"},{"speaker":"SPEAKER_01","startTime":49.12,"endTime":49.44,"body":"many"},{"speaker":"SPEAKER_01","startTime":49.44,"endTime":49.6,"body":"of"},{"speaker":"SPEAKER_01","startTime":49.6,"endTime":49.76,"body":"you"},{"speaker":"SPEAKER_01","startTime":49.76,"endTime":49.92,"body":"will"},{"speaker":"SPEAKER_01","startTime":49.92,"endTime":50.08,"body":"love"},{"speaker":"SPEAKER_01","startTime":50.08,"endTime":50.24,"body":"it,"},{"speaker":"SPEAKER_01","startTime":50.32,"endTime":50.48,"body":"with"},{"speaker":"SPEAKER_01","startTime":50.48,"endTime":50.64,"body":"the"},{"speaker":"SPEAKER_01","startTime":50.64,"endTime":50.96,"body":"exception"},{"speaker":"SPEAKER_01","startTime":50.96,"endTime":51.12,"body":"of"},{"speaker":"SPEAKER_01","startTime":51.2,"endTime":51.44,"body":"like,"},{"speaker":"SPEAKER_01","startTime":51.52,"endTime":51.68,"body":"I"},{"speaker":"SPEAKER_01","startTime":51.68,"endTime":51.84,"body":"don't"},{"speaker":"SPEAKER_01","startTime":51.84,"endTime":52.0,"body":"know,"},{"speaker":"SPEAKER_01","startTime":52.08,"endTime":52.16,"body":"a"},{"speaker":"SPEAKER_01","startTime":52.16,"endTime":52.48,"body":"couple"},{"speaker":"SPEAKER_01","startTime":52.48,"endTime":52.72,"body":"of"},{"speaker":"SPEAKER_01","startTime":52.72,"endTime":52.96,"body":"you."},{"speaker":"SPEAKER_01","startTime":53.2,"endTime":53.44,"body":"We"},{"speaker":"SPEAKER_01","startTime":53.44,"endTime":53.76,"body":"might"},{"speaker":"SPEAKER_01","startTime":53.76,"endTime":53.92,"body":"get"},{"speaker":"SPEAKER_01","startTime":53.92,"endTime":54.24,"body":"another"},{"speaker":"SPEAKER_01","startTime":54.24,"endTime":54.56,"body":"bad"},{"speaker":"SPEAKER_01","startTime":54.56,"endTime":55.04,"body":"review"},{"speaker":"SPEAKER_01","startTime":55.04,"endTime":55.28,"body":"from"},{"speaker":"SPEAKER_01","startTime":55.28,"endTime":55.6,"body":"those"},{"speaker":"SPEAKER_01","startTime":55.6,"endTime":55.92,"body":"two."},{"speaker":"SPEAKER_01","startTime":56.16,"endTime":56.64,"body":"Anyway,"},{"speaker":"SPEAKER_01","startTime":56.8,"endTime":56.96,"body":"so"},{"speaker":"SPEAKER_01","startTime":57.04,"endTime":57.2,"body":"um"},{"speaker":"SPEAKER_01","startTime":57.36,"endTime":57.68,"body":"welcome"},{"speaker":"SPEAKER_01","startTime":57.68,"endTime":57.76,"body":"to"},{"speaker":"SPEAKER_01","startTime":57.76,"endTime":57.92,"body":"the"},{"speaker":"SPEAKER_01","startTime":57.92,"endTime":58.32,"body":"Friday"},{"speaker":"SPEAKER_01","startTime":58.32,"endTime":58.56,"body":"edition"},{"speaker":"SPEAKER_01","startTime":58.56,"endTime":58.64,"body":"of"},{"speaker":"SPEAKER_01","startTime":58.64,"endTime":59.12,"body":"Talking"},{"speaker":"SPEAKER_01","startTime":59.12,"endTime":59.36,"body":"Real"},{"speaker":"SPEAKER_01","startTime":59.36,"endTime":59.6,"body":"Money."},{"speaker":"SPEAKER_01","startTime":59.68,"endTime":60.0,"body":"And"},{"speaker":"SPEAKER_01","startTime":60.0,"endTime":60.16,"body":"if"},{"speaker":"SPEAKER_01","startTime":60.16,"endTime":60.4,"body":"you're"},{"speaker":"SPEAKER_01","startTime":60.4,"endTime":60.72,"body":"new"},{"speaker":"SPEAKER_01","startTime":60.72,"endTime":60.8,"body":"to"},{"speaker":"SPEAKER_01","startTime":60.8,"endTime":60.96,"body":"the"},{"speaker":"SPEAKER_01","startTime":61.04,"endTime":61.28,"body":"uh"},{"speaker":"SPEAKER_01","startTime":61.28,"endTime":61.44,"body":"to"},{"speaker":"SPEAKER_01","startTime":61.44,"endTime":61.6,"body":"the"},{"speaker":"SPEAKER_01","startTime":61.6,"endTime":61.92,"body":"area,"},{"speaker":"SPEAKER_01","startTime":62.08,"endTime":62.56,"body":"you'll"},{"speaker":"SPEAKER_01","startTime":62.56,"endTime":62.8,"body":"know"},{"speaker":"SPEAKER_01","startTime":62.8,"endTime":63.12,"body":"that"},{"speaker":"SPEAKER_01","startTime":63.12,"endTime":63.44,"body":"the"},{"speaker":"SPEAKER_01","startTime":63.44,"endTime":64.4,"body":"Friday"},{"speaker":"SPEAKER_01","startTime":64.64,"endTime":65.52,"body":"podcast"},{"speaker":"SPEAKER_01","startTime":65.52,"endTime":66.08,"body":"means"},{"speaker":"SPEAKER_01","startTime":66.08,"endTime":66.72,"body":"questions"},{"speaker":"SPEAKER_01","startTime":67.04,"endTime":67.36,"body":"from"},{"speaker":"SPEAKER_01","startTime":67.36,"endTime":67.68,"body":"you"},{"speaker":"SPEAKER_01","startTime":68.0,"endTime":68.32,"body":"and"},{"speaker":"SPEAKER_01","startTime":68.32,"endTime":69.28,"body":"answers"},{"speaker":"SPEAKER_01","startTime":69.6,"endTime":69.92,"body":"from"},{"speaker":"SPEAKER_01","startTime":69.92,"endTime":70.24,"body":"me."},{"speaker":"SPEAKER_01","startTime":71.2,"endTime":71.76,"body":"That's"},{"speaker":"SPEAKER_01","startTime":71.76,"endTime":71.92,"body":"how"},{"speaker":"SPEAKER_01","startTime":71.92,"endTime":72.16,"body":"we"},{"speaker":"SPEAKER_01","startTime":72.16,"endTime":72.48,"body":"do"},{"speaker":"SPEAKER_01","startTime":72.48,"endTime":72.64,"body":"it."},{"speaker":"SPEAKER_01","startTime":72.88,"endTime":73.2,"body":"And"},{"speaker":"SPEAKER_01","startTime":73.2,"endTime":73.52,"body":"how"},{"speaker":"SPEAKER_01","startTime":73.52,"endTime":73.68,"body":"do"},{"speaker":"SPEAKER_01","startTime":73.68,"endTime":73.84,"body":"you"},{"speaker":"SPEAKER_01","startTime":73.84,"endTime":74.24,"body":"send"},{"speaker":"SPEAKER_01","startTime":74.24,"endTime":74.48,"body":"those"},{"speaker":"SPEAKER_01","startTime":74.48,"endTime":74.96,"body":"questions"},{"speaker":"SPEAKER_01","startTime":75.04,"endTime":75.2,"body":"you"},{"speaker":"SPEAKER_01","startTime":75.2,"endTime":75.6,"body":"ask?"},{"speaker":"SPEAKER_01","startTime":75.76,"endTime":75.92,"body":"Well,"},{"speaker":"SPEAKER_01","startTime":76.0,"endTime":76.48,"body":"it's"},{"speaker":"SPEAKER_01","startTime":76.48,"endTime":76.72,"body":"way"},{"speaker":"SPEAKER_01","startTime":76.72,"endTime":76.96,"body":"too"},{"speaker":"SPEAKER_01","startTime":76.96,"endTime":77.44,"body":"easy."},{"speaker":"SPEAKER_01","startTime":77.6,"endTime":77.84,"body":"All"},{"speaker":"SPEAKER_01","startTime":77.84,"endTime":78.0,"body":"you"},{"speaker":"SPEAKER_01","startTime":78.0,"endTime":78.08,"body":"have"},{"speaker":"SPEAKER_01","startTime":78.08,"endTime":78.16,"body":"to"},{"speaker":"SPEAKER_01","startTime":78.16,"endTime":78.32,"body":"do"},{"speaker":"SPEAKER_01","startTime":78.32,"endTime":78.4,"body":"is"},{"speaker":"SPEAKER_01","startTime":78.4,"endTime":78.48,"body":"go"},{"speaker":"SPEAKER_01","startTime":78.48,"endTime":78.64,"body":"to"},{"speaker":"SPEAKER_01","startTime":78.64,"endTime":80.24,"body":"talkingrealmoney.com"},{"speaker":"SPEAKER_01","startTime":80.32,"endTime":80.56,"body":"and"},{"speaker":"SPEAKER_01","startTime":80.56,"endTime":80.8,"body":"then"},{"speaker":"SPEAKER_01","startTime":80.8,"endTime":81.12,"body":"click"},{"speaker":"SPEAKER_01","startTime":81.12,"endTime":81.28,"body":"on"},{"speaker":"SPEAKER_01","startTime":81.28,"endTime":81.52,"body":"the"},{"speaker":"SPEAKER_01","startTime":81.52,"endTime":81.84,"body":"ask"},{"speaker":"SPEAKER_01","startTime":81.84,"endTime":82.0,"body":"a"},{"speaker":"SPEAKER_01","startTime":82.0,"endTime":82.4,"body":"question,"},{"speaker":"SPEAKER_01","startTime":82.48,"endTime":82.72,"body":"and"},{"speaker":"SPEAKER_01","startTime":82.72,"endTime":82.88,"body":"then"},{"speaker":"SPEAKER_01","startTime":83.04,"endTime":83.2,"body":"in"},{"speaker":"SPEAKER_01","startTime":83.2,"endTime":83.44,"body":"the"},{"speaker":"SPEAKER_01","startTime":83.44,"endTime":84.0,"body":"lower"},{"speaker":"SPEAKER_01","startTime":84.0,"endTime":84.4,"body":"left-hand"},{"speaker":"SPEAKER_01","startTime":84.56,"endTime":84.88,"body":"corner"},{"speaker":"SPEAKER_01","startTime":84.88,"endTime":85.12,"body":"is"},{"speaker":"SPEAKER_01","startTime":85.12,"endTime":85.2,"body":"a"},{"speaker":"SPEAKER_01","startTime":85.2,"endTime":85.36,"body":"little"},{"speaker":"SPEAKER_01","startTime":85.36,"endTime":85.76,"body":"microphone"},{"speaker":"SPEAKER_01","startTime":85.76,"endTime":86.08,"body":"button."},{"speaker":"SPEAKER_01","startTime":86.16,"endTime":86.32,"body":"You"},{"speaker":"SPEAKER_01","startTime":86.32,"endTime":86.56,"body":"click"},{"speaker":"SPEAKER_01","startTime":86.56,"endTime":86.8,"body":"on"},{"speaker":"SPEAKER_01","startTime":86.8,"endTime":86.96,"body":"that"},{"speaker":"SPEAKER_01","startTime":87.04,"endTime":87.28,"body":"and"},{"speaker":"SPEAKER_01","startTime":87.28,"endTime":87.6,"body":"you"},{"speaker":"SPEAKER_01","startTime":87.6,"endTime":88.16,"body":"speak"},{"speaker":"SPEAKER_01","startTime":88.16,"endTime":88.48,"body":"into"},{"speaker":"SPEAKER_01","startTime":88.48,"endTime":88.8,"body":"your"},{"speaker":"SPEAKER_01","startTime":89.12,"endTime":89.76,"body":"mic"},{"speaker":"SPEAKER_01","startTime":89.76,"endTime":90.0,"body":"on"},{"speaker":"SPEAKER_01","startTime":90.0,"endTime":90.24,"body":"your"},{"speaker":"SPEAKER_01","startTime":90.24,"endTime":91.04,"body":"technological"},{"speaker":"SPEAKER_01","startTime":91.04,"endTime":91.52,"body":"device,"},{"speaker":"SPEAKER_01","startTime":91.68,"endTime":92.32,"body":"whatever"},{"speaker":"SPEAKER_01","startTime":92.32,"endTime":92.64,"body":"that"},{"speaker":"SPEAKER_01","startTime":92.64,"endTime":93.28,"body":"might"},{"speaker":"SPEAKER_01","startTime":93.28,"endTime":93.6,"body":"be."},{"speaker":"SPEAKER_01","startTime":94.72,"endTime":94.88,"body":"That's"},{"speaker":"SPEAKER_01","startTime":94.88,"endTime":94.96,"body":"it."},{"speaker":"SPEAKER_01","startTime":95.04,"endTime":95.2,"body":"That's"},{"speaker":"SPEAKER_01","startTime":95.2,"endTime":95.28,"body":"the"},{"speaker":"SPEAKER_01","startTime":95.28,"endTime":95.36,"body":"whole"},{"speaker":"SPEAKER_01","startTime":95.36,"endTime":95.44,"body":"thing."},{"speaker":"SPEAKER_01","startTime":95.52,"endTime":95.68,"body":"Just"},{"speaker":"SPEAKER_01","startTime":95.68,"endTime":95.76,"body":"go"},{"speaker":"SPEAKER_01","startTime":95.76,"endTime":95.92,"body":"to"},{"speaker":"SPEAKER_01","startTime":95.92,"endTime":96.88,"body":"talkingrealmoney.com,"},{"speaker":"SPEAKER_01","startTime":96.96,"endTime":97.28,"body":"click"},{"speaker":"SPEAKER_01","startTime":97.28,"endTime":97.6,"body":"ask"},{"speaker":"SPEAKER_01","startTime":97.6,"endTime":97.76,"body":"a"},{"speaker":"SPEAKER_01","startTime":97.76,"endTime":98.16,"body":"question,"},{"speaker":"SPEAKER_01","startTime":98.24,"endTime":98.48,"body":"and"},{"speaker":"SPEAKER_01","startTime":98.48,"endTime":98.8,"body":"then"},{"speaker":"SPEAKER_01","startTime":98.8,"endTime":99.2,"body":"speak"},{"speaker":"SPEAKER_01","startTime":99.2,"endTime":99.36,"body":"it."},{"speaker":"SPEAKER_01","startTime":99.44,"endTime":99.6,"body":"You"},{"speaker":"SPEAKER_01","startTime":99.6,"endTime":99.84,"body":"must"},{"speaker":"SPEAKER_01","startTime":99.84,"endTime":100.16,"body":"speak"},{"speaker":"SPEAKER_01","startTime":100.16,"endTime":100.32,"body":"it"},{"speaker":"SPEAKER_01","startTime":100.32,"endTime":100.48,"body":"to"},{"speaker":"SPEAKER_01","startTime":100.48,"endTime":100.64,"body":"put"},{"speaker":"SPEAKER_01","startTime":100.64,"endTime":100.72,"body":"it"},{"speaker":"SPEAKER_01","startTime":100.72,"endTime":100.88,"body":"on"},{"speaker":"SPEAKER_01","startTime":100.88,"endTime":100.96,"body":"the"},{"speaker":"SPEAKER_01","startTime":100.96,"endTime":101.44,"body":"Friday"},{"speaker":"SPEAKER_01","startTime":101.44,"endTime":101.84,"body":"podcast."},{"speaker":"SPEAKER_01","startTime":101.92,"endTime":102.08,"body":"If"},{"speaker":"SPEAKER_01","startTime":102.08,"endTime":102.32,"body":"you"},{"speaker":"SPEAKER_01","startTime":102.32,"endTime":102.88,"body":"type"},{"speaker":"SPEAKER_01","startTime":102.88,"endTime":103.12,"body":"it,"},{"speaker":"SPEAKER_01","startTime":103.36,"endTime":103.6,"body":"we"},{"speaker":"SPEAKER_01","startTime":103.6,"endTime":103.92,"body":"don't"},{"speaker":"SPEAKER_01","startTime":103.92,"endTime":104.16,"body":"know"},{"speaker":"SPEAKER_01","startTime":104.16,"endTime":104.32,"body":"where"},{"speaker":"SPEAKER_01","startTime":104.32,"endTime":104.48,"body":"it"},{"speaker":"SPEAKER_01","startTime":104.48,"endTime":104.8,"body":"goes"},{"speaker":"SPEAKER_01","startTime":104.8,"endTime":104.96,"body":"for"},{"speaker":"SPEAKER_01","startTime":104.96,"endTime":105.2,"body":"sure."},{"speaker":"SPEAKER_01","startTime":105.36,"endTime":105.6,"body":"We"},{"speaker":"SPEAKER_01","startTime":105.6,"endTime":105.92,"body":"just"},{"speaker":"SPEAKER_01","startTime":105.92,"endTime":106.08,"body":"know"},{"speaker":"SPEAKER_01","startTime":106.08,"endTime":106.32,"body":"it"},{"speaker":"SPEAKER_01","startTime":106.32,"endTime":106.64,"body":"goes"},{"speaker":"SPEAKER_01","startTime":106.64,"endTime":107.28,"body":"towards"},{"speaker":"SPEAKER_01","startTime":107.28,"endTime":107.84,"body":"Tom's"},{"speaker":"SPEAKER_01","startTime":107.84,"endTime":108.4,"body":"goal"},{"speaker":"SPEAKER_01","startTime":108.4,"endTime":108.72,"body":"of"},{"speaker":"SPEAKER_01","startTime":108.72,"endTime":109.92,"body":"deforestation."},{"speaker":"SPEAKER_01","startTime":110.64,"endTime":111.28,"body":"Now,"},{"speaker":"SPEAKER_01","startTime":111.52,"endTime":112.08,"body":"without"},{"speaker":"SPEAKER_01","startTime":112.08,"endTime":112.56,"body":"further"},{"speaker":"SPEAKER_01","startTime":112.56,"endTime":113.04,"body":"ado,"},{"speaker":"SPEAKER_01","startTime":113.2,"endTime":113.52,"body":"doot"},{"speaker":"SPEAKER_01","startTime":113.6,"endTime":114.08,"body":"doo-doo,"},{"speaker":"SPEAKER_01","startTime":114.56,"endTime":114.88,"body":"let's"},{"speaker":"SPEAKER_01","startTime":114.88,"endTime":114.96,"body":"go"},{"speaker":"SPEAKER_01","startTime":114.96,"endTime":115.12,"body":"to"},{"speaker":"SPEAKER_01","startTime":115.12,"endTime":115.28,"body":"the"},{"speaker":"SPEAKER_01","startTime":115.28,"endTime":115.52,"body":"first"},{"speaker":"SPEAKER_01","startTime":115.6,"endTime":115.84,"body":"um,"},{"speaker":"SPEAKER_01","startTime":116.0,"endTime":116.32,"body":"it's"},{"speaker":"SPEAKER_01","startTime":116.32,"endTime":116.56,"body":"not"},{"speaker":"SPEAKER_01","startTime":116.56,"endTime":117.12,"body":"caller,"},{"speaker":"SPEAKER_01","startTime":117.28,"endTime":117.92,"body":"it's"},{"speaker":"SPEAKER_01","startTime":118.24,"endTime":119.12,"body":"spoken"},{"speaker":"SPEAKER_01","startTime":119.12,"endTime":119.76,"body":"question."},{"speaker":"SPEAKER_01","startTime":120.16,"endTime":120.32,"body":"I"},{"speaker":"SPEAKER_01","startTime":120.48,"endTime":120.8,"body":"gotta"},{"speaker":"SPEAKER_01","startTime":120.8,"endTime":120.96,"body":"come"},{"speaker":"SPEAKER_01","startTime":120.96,"endTime":121.04,"body":"up"},{"speaker":"SPEAKER_01","startTime":121.04,"endTime":121.2,"body":"with"},{"speaker":"SPEAKER_01","startTime":121.2,"endTime":121.28,"body":"a"},{"speaker":"SPEAKER_01","startTime":121.28,"endTime":121.6,"body":"shorter"},{"speaker":"SPEAKER_01","startTime":121.6,"endTime":121.84,"body":"word"},{"speaker":"SPEAKER_01","startTime":121.84,"endTime":121.92,"body":"for"},{"speaker":"SPEAKER_01","startTime":121.92,"endTime":122.0,"body":"that."},{"speaker":"SPEAKER_00","startTime":122.32,"endTime":122.48,"body":"Hey,"},{"speaker":"SPEAKER_00","startTime":122.56,"endTime":122.8,"body":"Tom"},{"speaker":"SPEAKER_00","startTime":122.88,"endTime":123.04,"body":"and"},{"speaker":"SPEAKER_00","startTime":123.04,"endTime":123.28,"body":"Don."},{"speaker":"SPEAKER_00","startTime":123.84,"endTime":124.0,"body":"I"},{"speaker":"SPEAKER_00","startTime":124.0,"endTime":124.16,"body":"was"},{"speaker":"SPEAKER_00","startTime":124.32,"endTime":124.64,"body":"pulling"},{"speaker":"SPEAKER_00","startTime":124.64,"endTime":124.72,"body":"to"},{"speaker":"SPEAKER_00","startTime":124.72,"endTime":124.88,"body":"get"},{"speaker":"SPEAKER_00","startTime":124.88,"endTime":125.04,"body":"your"},{"speaker":"SPEAKER_00","startTime":125.04,"endTime":125.44,"body":"thoughts"},{"speaker":"SPEAKER_00","startTime":125.44,"endTime":125.68,"body":"on"},{"speaker":"SPEAKER_00","startTime":125.68,"endTime":126.56,"body":"potentially"},{"speaker":"SPEAKER_00","startTime":126.56,"endTime":126.96,"body":"making"},{"speaker":"SPEAKER_00","startTime":126.96,"endTime":127.04,"body":"a"},{"speaker":"SPEAKER_00","startTime":127.04,"endTime":127.52,"body":"career"},{"speaker":"SPEAKER_00","startTime":127.52,"endTime":127.84,"body":"move"},{"speaker":"SPEAKER_00","startTime":127.84,"endTime":128.0,"body":"and"},{"speaker":"SPEAKER_00","startTime":128.0,"endTime":128.72,"body":"switching"},{"speaker":"SPEAKER_00","startTime":128.72,"endTime":129.04,"body":"from"},{"speaker":"SPEAKER_00","startTime":129.04,"endTime":129.6,"body":"IT"},{"speaker":"SPEAKER_00","startTime":129.6,"endTime":130.16,"body":"consulting"},{"speaker":"SPEAKER_00","startTime":130.16,"endTime":130.4,"body":"into"},{"speaker":"SPEAKER_00","startTime":130.4,"endTime":130.64,"body":"the"},{"speaker":"SPEAKER_00","startTime":130.64,"endTime":131.04,"body":"financial"},{"speaker":"SPEAKER_00","startTime":131.04,"endTime":131.68,"body":"services"},{"speaker":"SPEAKER_00","startTime":131.68,"endTime":132.16,"body":"industry."},{"speaker":"SPEAKER_00","startTime":132.96,"endTime":133.36,"body":"I've"},{"speaker":"SPEAKER_00","startTime":133.36,"endTime":133.68,"body":"always"},{"speaker":"SPEAKER_00","startTime":133.68,"endTime":133.84,"body":"had"},{"speaker":"SPEAKER_00","startTime":133.84,"endTime":134.0,"body":"a"},{"speaker":"SPEAKER_00","startTime":134.0,"endTime":134.4,"body":"passion"},{"speaker":"SPEAKER_00","startTime":134.4,"endTime":134.64,"body":"for"},{"speaker":"SPEAKER_00","startTime":134.64,"endTime":135.04,"body":"personal"},{"speaker":"SPEAKER_00","startTime":135.04,"endTime":135.36,"body":"finance"},{"speaker":"SPEAKER_00","startTime":135.44,"endTime":135.6,"body":"and"},{"speaker":"SPEAKER_00","startTime":135.6,"endTime":135.68,"body":"have"},{"speaker":"SPEAKER_00","startTime":135.76,"endTime":136.08,"body":"always"},{"speaker":"SPEAKER_00","startTime":136.08,"endTime":136.88,"body":"enjoyed"},{"speaker":"SPEAKER_00","startTime":136.88,"endTime":137.6,"body":"talking"},{"speaker":"SPEAKER_00","startTime":137.6,"endTime":138.16,"body":"details"},{"speaker":"SPEAKER_00","startTime":138.4,"endTime":138.64,"body":"with"},{"speaker":"SPEAKER_00","startTime":138.64,"endTime":139.12,"body":"family"},{"speaker":"SPEAKER_00","startTime":139.12,"endTime":139.36,"body":"and"},{"speaker":"SPEAKER_00","startTime":139.36,"endTime":140.0,"body":"friends"},{"speaker":"SPEAKER_00","startTime":140.32,"endTime":140.64,"body":"about"},{"speaker":"SPEAKER_00","startTime":141.28,"endTime":142.16,"body":"retirement"},{"speaker":"SPEAKER_00","startTime":142.16,"endTime":142.72,"body":"planning,"},{"speaker":"SPEAKER_00","startTime":142.96,"endTime":143.76,"body":"investments,"},{"speaker":"SPEAKER_00","startTime":143.92,"endTime":144.08,"body":"and"},{"speaker":"SPEAKER_00","startTime":144.08,"endTime":144.4,"body":"just"},{"speaker":"SPEAKER_00","startTime":144.4,"endTime":144.96,"body":"general"},{"speaker":"SPEAKER_00","startTime":144.96,"endTime":145.44,"body":"finance."},{"speaker":"SPEAKER_00","startTime":146.0,"endTime":146.4,"body":"I've"},{"speaker":"SPEAKER_00","startTime":146.4,"endTime":146.56,"body":"been"},{"speaker":"SPEAKER_00","startTime":146.56,"endTime":146.72,"body":"in"},{"speaker":"SPEAKER_00","startTime":146.72,"endTime":146.96,"body":"the"},{"speaker":"SPEAKER_00","startTime":146.96,"endTime":147.44,"body":"IT"},{"speaker":"SPEAKER_00","startTime":147.44,"endTime":148.0,"body":"consulting"},{"speaker":"SPEAKER_00","startTime":148.0,"endTime":148.16,"body":"and"},{"speaker":"SPEAKER_00","startTime":148.16,"endTime":148.64,"body":"professional"},{"speaker":"SPEAKER_00","startTime":148.64,"endTime":149.36,"body":"services"},{"speaker":"SPEAKER_00","startTime":149.36,"endTime":149.84,"body":"world"},{"speaker":"SPEAKER_00","startTime":150.0,"endTime":150.24,"body":"for"},{"speaker":"SPEAKER_00","startTime":150.24,"endTime":150.56,"body":"the"},{"speaker":"SPEAKER_00","startTime":150.56,"endTime":150.8,"body":"past"},{"speaker":"SPEAKER_00","startTime":150.8,"endTime":151.36,"body":"13"},{"speaker":"SPEAKER_00","startTime":151.36,"endTime":151.6,"body":"or"},{"speaker":"SPEAKER_00","startTime":151.6,"endTime":151.92,"body":"so"},{"speaker":"SPEAKER_00","startTime":151.92,"endTime":152.32,"body":"years,"},{"speaker":"SPEAKER_00","startTime":152.96,"endTime":153.2,"body":"but"},{"speaker":"SPEAKER_00","startTime":153.2,"endTime":153.44,"body":"I'm"},{"speaker":"SPEAKER_00","startTime":153.44,"endTime":153.76,"body":"starting"},{"speaker":"SPEAKER_00","startTime":153.76,"endTime":153.84,"body":"to"},{"speaker":"SPEAKER_00","startTime":153.84,"endTime":154.0,"body":"get"},{"speaker":"SPEAKER_00","startTime":154.0,"endTime":154.4,"body":"tired"},{"speaker":"SPEAKER_00","startTime":154.4,"endTime":154.64,"body":"of"},{"speaker":"SPEAKER_00","startTime":154.64,"endTime":154.8,"body":"that."},{"speaker":"SPEAKER_00","startTime":154.88,"endTime":155.04,"body":"Uh,"},{"speaker":"SPEAKER_00","startTime":155.2,"endTime":155.52,"body":"and"},{"speaker":"SPEAKER_00","startTime":155.52,"endTime":155.92,"body":"I'm"},{"speaker":"SPEAKER_00","startTime":155.92,"endTime":156.32,"body":"thinking"},{"speaker":"SPEAKER_00","startTime":156.32,"endTime":156.48,"body":"about"},{"speaker":"SPEAKER_00","startTime":156.48,"endTime":156.8,"body":"making"},{"speaker":"SPEAKER_00","startTime":156.8,"endTime":156.96,"body":"a"},{"speaker":"SPEAKER_00","startTime":156.96,"endTime":157.52,"body":"switch,"},{"speaker":"SPEAKER_00","startTime":157.76,"endTime":158.4,"body":"potentially"},{"speaker":"SPEAKER_00","startTime":158.4,"endTime":158.88,"body":"starting"},{"speaker":"SPEAKER_00","startTime":158.88,"endTime":159.12,"body":"with"},{"speaker":"SPEAKER_00","startTime":159.12,"endTime":159.76,"body":"taking"},{"speaker":"SPEAKER_00","startTime":159.76,"endTime":160.08,"body":"the"},{"speaker":"SPEAKER_00","startTime":160.08,"endTime":160.72,"body":"SIE"},{"speaker":"SPEAKER_00","startTime":160.72,"endTime":161.04,"body":"as"},{"speaker":"SPEAKER_00","startTime":161.04,"endTime":161.2,"body":"kind"},{"speaker":"SPEAKER_00","startTime":161.2,"endTime":161.44,"body":"of"},{"speaker":"SPEAKER_00","startTime":161.44,"endTime":161.76,"body":"a"},{"speaker":"SPEAKER_00","startTime":162.08,"endTime":162.56,"body":"dip"},{"speaker":"SPEAKER_00","startTime":162.56,"endTime":162.8,"body":"my"},{"speaker":"SPEAKER_00","startTime":162.8,"endTime":163.12,"body":"toe"},{"speaker":"SPEAKER_00","startTime":163.12,"endTime":163.28,"body":"in"},{"speaker":"SPEAKER_00","startTime":163.28,"endTime":163.36,"body":"the"},{"speaker":"SPEAKER_00","startTime":163.36,"endTime":163.76,"body":"water"},{"speaker":"SPEAKER_00","startTime":163.76,"endTime":164.0,"body":"and"},{"speaker":"SPEAKER_00","startTime":164.0,"endTime":164.16,"body":"see"},{"speaker":"SPEAKER_00","startTime":164.16,"endTime":164.32,"body":"if"},{"speaker":"SPEAKER_00","startTime":164.32,"endTime":164.56,"body":"it's"},{"speaker":"SPEAKER_00","startTime":164.56,"endTime":164.88,"body":"something"},{"speaker":"SPEAKER_00","startTime":164.88,"endTime":165.12,"body":"that"},{"speaker":"SPEAKER_00","startTime":165.12,"endTime":165.36,"body":"I"},{"speaker":"SPEAKER_00","startTime":165.36,"endTime":165.76,"body":"actually"},{"speaker":"SPEAKER_00","startTime":165.76,"endTime":165.92,"body":"want"},{"speaker":"SPEAKER_00","startTime":165.92,"endTime":166.16,"body":"to"},{"speaker":"SPEAKER_00","startTime":166.16,"endTime":166.88,"body":"pursue."},{"speaker":"SPEAKER_00","startTime":167.28,"endTime":167.6,"body":"Could"},{"speaker":"SPEAKER_00","startTime":167.6,"endTime":167.76,"body":"you"},{"speaker":"SPEAKER_00","startTime":167.76,"endTime":167.92,"body":"give"},{"speaker":"SPEAKER_00","startTime":167.92,"endTime":168.08,"body":"me"},{"speaker":"SPEAKER_00","startTime":168.08,"endTime":168.32,"body":"any"},{"speaker":"SPEAKER_00","startTime":168.32,"endTime":168.96,"body":"advice"},{"speaker":"SPEAKER_00","startTime":168.96,"endTime":169.2,"body":"on"},{"speaker":"SPEAKER_00","startTime":169.2,"endTime":169.36,"body":"some"},{"speaker":"SPEAKER_00","startTime":169.36,"endTime":169.52,"body":"of"},{"speaker":"SPEAKER_00","startTime":169.52,"endTime":169.68,"body":"the"},{"speaker":"SPEAKER_00","startTime":169.68,"endTime":170.24,"body":"things"},{"speaker":"SPEAKER_00","startTime":170.24,"endTime":170.56,"body":"to"},{"speaker":"SPEAKER_00","startTime":170.56,"endTime":170.88,"body":"think"},{"speaker":"SPEAKER_00","startTime":170.88,"endTime":171.2,"body":"about"},{"speaker":"SPEAKER_00","startTime":171.52,"endTime":171.84,"body":"as"},{"speaker":"SPEAKER_00","startTime":171.84,"endTime":172.16,"body":"I"},{"speaker":"SPEAKER_00","startTime":172.48,"endTime":172.8,"body":"go"},{"speaker":"SPEAKER_00","startTime":172.88,"endTime":173.28,"body":"through"},{"speaker":"SPEAKER_00","startTime":173.28,"endTime":173.52,"body":"this"},{"speaker":"SPEAKER_00","startTime":173.52,"endTime":174.0,"body":"process"},{"speaker":"SPEAKER_00","startTime":174.0,"endTime":174.32,"body":"of"},{"speaker":"SPEAKER_00","startTime":174.32,"endTime":174.8,"body":"looking"},{"speaker":"SPEAKER_00","startTime":174.8,"endTime":175.12,"body":"into"},{"speaker":"SPEAKER_00","startTime":175.12,"endTime":175.44,"body":"making"},{"speaker":"SPEAKER_00","startTime":175.44,"endTime":175.52,"body":"a"},{"speaker":"SPEAKER_00","startTime":175.52,"endTime":175.92,"body":"career"},{"speaker":"SPEAKER_00","startTime":175.92,"endTime":176.32,"body":"change?"},{"speaker":"SPEAKER_00","startTime":176.48,"endTime":176.88,"body":"Thanks,"},{"speaker":"SPEAKER_00","startTime":177.04,"endTime":177.44,"body":"guys."},{"speaker":"SPEAKER_01","startTime":177.76,"endTime":178.08,"body":"This"},{"speaker":"SPEAKER_01","startTime":178.08,"endTime":178.48,"body":"question"},{"speaker":"SPEAKER_01","startTime":178.48,"endTime":178.72,"body":"comes"},{"speaker":"SPEAKER_01","startTime":178.72,"endTime":178.88,"body":"up"},{"speaker":"SPEAKER_01","startTime":178.88,"endTime":178.96,"body":"a"},{"speaker":"SPEAKER_01","startTime":178.96,"endTime":179.12,"body":"lot"},{"speaker":"SPEAKER_01","startTime":179.12,"endTime":179.28,"body":"more"},{"speaker":"SPEAKER_01","startTime":179.28,"endTime":179.36,"body":"than"},{"speaker":"SPEAKER_01","startTime":179.36,"endTime":179.68,"body":"you'd"},{"speaker":"SPEAKER_01","startTime":179.68,"endTime":179.84,"body":"think."},{"speaker":"SPEAKER_01","startTime":179.92,"endTime":180.08,"body":"It"},{"speaker":"SPEAKER_01","startTime":180.08,"endTime":180.32,"body":"really"},{"speaker":"SPEAKER_01","startTime":180.32,"endTime":180.56,"body":"does."},{"speaker":"SPEAKER_01","startTime":180.72,"endTime":180.88,"body":"A"},{"speaker":"SPEAKER_01","startTime":180.88,"endTime":181.04,"body":"lot"},{"speaker":"SPEAKER_01","startTime":181.04,"endTime":181.36,"body":"of"},{"speaker":"SPEAKER_01","startTime":181.36,"endTime":181.68,"body":"people"},{"speaker":"SPEAKER_01","startTime":181.68,"endTime":182.0,"body":"think"},{"speaker":"SPEAKER_01","startTime":182.24,"endTime":182.56,"body":"this"},{"speaker":"SPEAKER_01","startTime":182.56,"endTime":182.88,"body":"is"},{"speaker":"SPEAKER_01","startTime":182.88,"endTime":183.2,"body":"their"},{"speaker":"SPEAKER_01","startTime":183.36,"endTime":183.68,"body":"their"},{"speaker":"SPEAKER_01","startTime":183.84,"endTime":184.32,"body":"future"},{"speaker":"SPEAKER_01","startTime":184.32,"endTime":184.88,"body":"career,"},{"speaker":"SPEAKER_01","startTime":185.04,"endTime":185.36,"body":"and"},{"speaker":"SPEAKER_01","startTime":185.52,"endTime":185.76,"body":"it"},{"speaker":"SPEAKER_01","startTime":185.76,"endTime":186.0,"body":"might"},{"speaker":"SPEAKER_01","startTime":186.0,"endTime":186.16,"body":"be"},{"speaker":"SPEAKER_01","startTime":186.16,"endTime":186.4,"body":"for"},{"speaker":"SPEAKER_01","startTime":186.4,"endTime":186.56,"body":"some,"},{"speaker":"SPEAKER_01","startTime":186.64,"endTime":186.8,"body":"but"},{"speaker":"SPEAKER_01","startTime":186.8,"endTime":187.04,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":187.04,"endTime":187.36,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":187.36,"endTime":187.84,"body":"give"},{"speaker":"SPEAKER_01","startTime":187.84,"endTime":188.16,"body":"you"},{"speaker":"SPEAKER_01","startTime":188.48,"endTime":188.8,"body":"the"},{"speaker":"SPEAKER_01","startTime":190.08,"endTime":190.56,"body":"often"},{"speaker":"SPEAKER_01","startTime":190.56,"endTime":191.36,"body":"painful"},{"speaker":"SPEAKER_01","startTime":191.36,"endTime":192.0,"body":"truth."},{"speaker":"SPEAKER_01","startTime":193.04,"endTime":193.76,"body":"It's"},{"speaker":"SPEAKER_01","startTime":193.76,"endTime":194.08,"body":"not"},{"speaker":"SPEAKER_01","startTime":194.08,"endTime":195.04,"body":"necessarily"},{"speaker":"SPEAKER_01","startTime":195.04,"endTime":195.36,"body":"an"},{"speaker":"SPEAKER_01","startTime":195.36,"endTime":195.92,"body":"industry"},{"speaker":"SPEAKER_01","startTime":195.92,"endTime":196.24,"body":"for"},{"speaker":"SPEAKER_01","startTime":196.24,"endTime":196.48,"body":"people"},{"speaker":"SPEAKER_01","startTime":196.48,"endTime":196.72,"body":"who"},{"speaker":"SPEAKER_01","startTime":196.72,"endTime":196.96,"body":"are"},{"speaker":"SPEAKER_01","startTime":196.96,"endTime":197.36,"body":"data"},{"speaker":"SPEAKER_01","startTime":197.44,"endTime":198.32,"body":"oriented."},{"speaker":"SPEAKER_01","startTime":198.56,"endTime":198.8,"body":"That"},{"speaker":"SPEAKER_01","startTime":198.8,"endTime":198.96,"body":"would"},{"speaker":"SPEAKER_01","startTime":198.96,"endTime":199.12,"body":"be"},{"speaker":"SPEAKER_01","startTime":199.12,"endTime":199.28,"body":"more"},{"speaker":"SPEAKER_01","startTime":199.28,"endTime":199.44,"body":"of"},{"speaker":"SPEAKER_01","startTime":199.44,"endTime":199.6,"body":"a"},{"speaker":"SPEAKER_01","startTime":199.6,"endTime":200.16,"body":"CFA,"},{"speaker":"SPEAKER_01","startTime":200.32,"endTime":200.4,"body":"a"},{"speaker":"SPEAKER_01","startTime":200.4,"endTime":201.04,"body":"chartered"},{"speaker":"SPEAKER_01","startTime":201.04,"endTime":201.52,"body":"financial"},{"speaker":"SPEAKER_01","startTime":201.52,"endTime":202.16,"body":"analyst."},{"speaker":"SPEAKER_01","startTime":202.4,"endTime":202.8,"body":"Being"},{"speaker":"SPEAKER_01","startTime":202.8,"endTime":203.04,"body":"an"},{"speaker":"SPEAKER_01","startTime":203.04,"endTime":203.6,"body":"investment"},{"speaker":"SPEAKER_01","startTime":203.6,"endTime":204.08,"body":"advice"},{"speaker":"SPEAKER_01","startTime":204.08,"endTime":204.48,"body":"provider,"},{"speaker":"SPEAKER_01","startTime":204.56,"endTime":204.8,"body":"like"},{"speaker":"SPEAKER_01","startTime":204.8,"endTime":204.96,"body":"a"},{"speaker":"SPEAKER_01","startTime":204.96,"endTime":205.52,"body":"certified"},{"speaker":"SPEAKER_01","startTime":205.52,"endTime":206.0,"body":"financial"},{"speaker":"SPEAKER_01","startTime":206.0,"endTime":206.8,"body":"planner,"},{"speaker":"SPEAKER_01","startTime":207.28,"endTime":207.68,"body":"while"},{"speaker":"SPEAKER_01","startTime":207.68,"endTime":207.92,"body":"you"},{"speaker":"SPEAKER_01","startTime":207.92,"endTime":208.32,"body":"gotta"},{"speaker":"SPEAKER_01","startTime":208.32,"endTime":208.56,"body":"know"},{"speaker":"SPEAKER_01","startTime":208.56,"endTime":208.88,"body":"your"},{"speaker":"SPEAKER_01","startTime":208.88,"endTime":209.6,"body":"stuff,"},{"speaker":"SPEAKER_01","startTime":209.92,"endTime":210.4,"body":"it's"},{"speaker":"SPEAKER_01","startTime":210.4,"endTime":210.72,"body":"more"},{"speaker":"SPEAKER_01","startTime":210.72,"endTime":211.04,"body":"about"},{"speaker":"SPEAKER_01","startTime":211.04,"endTime":211.36,"body":"your"},{"speaker":"SPEAKER_01","startTime":211.36,"endTime":211.68,"body":"people"},{"speaker":"SPEAKER_01","startTime":211.68,"endTime":212.08,"body":"skills."},{"speaker":"SPEAKER_01","startTime":212.24,"endTime":212.4,"body":"And"},{"speaker":"SPEAKER_01","startTime":212.4,"endTime":212.96,"body":"it's"},{"speaker":"SPEAKER_01","startTime":213.28,"endTime":213.6,"body":"with"},{"speaker":"SPEAKER_01","startTime":213.92,"endTime":215.36,"body":"99%"},{"speaker":"SPEAKER_01","startTime":216.08,"endTime":216.16,"body":"of"},{"speaker":"SPEAKER_01","startTime":216.16,"endTime":216.32,"body":"the"},{"speaker":"SPEAKER_01","startTime":216.32,"endTime":216.72,"body":"firms"},{"speaker":"SPEAKER_01","startTime":216.72,"endTime":216.88,"body":"out"},{"speaker":"SPEAKER_01","startTime":216.88,"endTime":217.04,"body":"there,"},{"speaker":"SPEAKER_01","startTime":217.2,"endTime":217.44,"body":"when"},{"speaker":"SPEAKER_01","startTime":217.44,"endTime":217.76,"body":"you"},{"speaker":"SPEAKER_01","startTime":217.76,"endTime":218.08,"body":"start,"},{"speaker":"SPEAKER_01","startTime":218.32,"endTime":218.64,"body":"it's"},{"speaker":"SPEAKER_01","startTime":218.64,"endTime":218.96,"body":"about"},{"speaker":"SPEAKER_01","startTime":218.96,"endTime":219.28,"body":"being"},{"speaker":"SPEAKER_01","startTime":219.28,"endTime":219.52,"body":"a"},{"speaker":"SPEAKER_01","startTime":219.52,"endTime":219.76,"body":"really"},{"speaker":"SPEAKER_01","startTime":219.76,"endTime":220.24,"body":"great"},{"speaker":"SPEAKER_01","startTime":220.24,"endTime":220.88,"body":"salesperson."},{"speaker":"SPEAKER_01","startTime":221.36,"endTime":221.6,"body":"So"},{"speaker":"SPEAKER_01","startTime":221.68,"endTime":221.92,"body":"I"},{"speaker":"SPEAKER_01","startTime":221.92,"endTime":222.24,"body":"would"},{"speaker":"SPEAKER_01","startTime":222.24,"endTime":222.48,"body":"not"},{"speaker":"SPEAKER_01","startTime":222.48,"endTime":222.8,"body":"even"},{"speaker":"SPEAKER_01","startTime":222.8,"endTime":223.12,"body":"think"},{"speaker":"SPEAKER_01","startTime":223.12,"endTime":223.44,"body":"about"},{"speaker":"SPEAKER_01","startTime":223.44,"endTime":223.68,"body":"it"},{"speaker":"SPEAKER_01","startTime":223.68,"endTime":224.48,"body":"unless"},{"speaker":"SPEAKER_01","startTime":224.48,"endTime":224.8,"body":"I"},{"speaker":"SPEAKER_01","startTime":224.8,"endTime":225.44,"body":"loved"},{"speaker":"SPEAKER_01","startTime":225.44,"endTime":226.08,"body":"sales."},{"speaker":"SPEAKER_01","startTime":226.32,"endTime":226.56,"body":"If"},{"speaker":"SPEAKER_01","startTime":226.56,"endTime":226.8,"body":"you're"},{"speaker":"SPEAKER_01","startTime":226.8,"endTime":227.04,"body":"not"},{"speaker":"SPEAKER_01","startTime":227.04,"endTime":227.2,"body":"good"},{"speaker":"SPEAKER_01","startTime":227.2,"endTime":227.44,"body":"at"},{"speaker":"SPEAKER_01","startTime":227.44,"endTime":227.84,"body":"sales,"},{"speaker":"SPEAKER_01","startTime":228.0,"endTime":228.32,"body":"you're"},{"speaker":"SPEAKER_01","startTime":228.32,"endTime":228.64,"body":"likely"},{"speaker":"SPEAKER_01","startTime":228.64,"endTime":228.88,"body":"to"},{"speaker":"SPEAKER_01","startTime":228.88,"endTime":229.2,"body":"fail."},{"speaker":"SPEAKER_01","startTime":229.36,"endTime":229.6,"body":"And"},{"speaker":"SPEAKER_01","startTime":229.6,"endTime":229.76,"body":"the"},{"speaker":"SPEAKER_01","startTime":229.76,"endTime":230.24,"body":"SEI"},{"speaker":"SPEAKER_01","startTime":230.24,"endTime":230.56,"body":"course,"},{"speaker":"SPEAKER_01","startTime":230.64,"endTime":230.72,"body":"the"},{"speaker":"SPEAKER_01","startTime":230.72,"endTime":231.2,"body":"securities,"},{"speaker":"SPEAKER_01","startTime":231.28,"endTime":231.44,"body":"I"},{"speaker":"SPEAKER_01","startTime":231.44,"endTime":231.52,"body":"mean"},{"speaker":"SPEAKER_01","startTime":231.6,"endTime":231.68,"body":"the"},{"speaker":"SPEAKER_01","startTime":231.68,"endTime":232.24,"body":"SIE"},{"speaker":"SPEAKER_01","startTime":232.24,"endTime":232.48,"body":"course,"},{"speaker":"SPEAKER_01","startTime":232.56,"endTime":232.64,"body":"the"},{"speaker":"SPEAKER_01","startTime":232.64,"endTime":233.2,"body":"securities"},{"speaker":"SPEAKER_01","startTime":233.2,"endTime":233.68,"body":"industry"},{"speaker":"SPEAKER_01","startTime":233.68,"endTime":233.92,"body":"uh"},{"speaker":"SPEAKER_01","startTime":233.92,"endTime":234.48,"body":"exam,"},{"speaker":"SPEAKER_01","startTime":234.64,"endTime":235.04,"body":"that's"},{"speaker":"SPEAKER_01","startTime":235.04,"endTime":235.28,"body":"not"},{"speaker":"SPEAKER_01","startTime":235.28,"endTime":235.44,"body":"where"},{"speaker":"SPEAKER_01","startTime":235.44,"endTime":235.68,"body":"you"},{"speaker":"SPEAKER_01","startTime":235.68,"endTime":235.92,"body":"start."},{"speaker":"SPEAKER_01","startTime":236.0,"endTime":236.24,"body":"That's"},{"speaker":"SPEAKER_01","startTime":236.24,"endTime":236.4,"body":"a"},{"speaker":"SPEAKER_01","startTime":236.48,"endTime":236.8,"body":"that's"},{"speaker":"SPEAKER_01","startTime":236.8,"endTime":236.96,"body":"a"},{"speaker":"SPEAKER_01","startTime":236.96,"endTime":237.2,"body":"test"},{"speaker":"SPEAKER_01","startTime":237.2,"endTime":237.44,"body":"from"},{"speaker":"SPEAKER_01","startTime":237.68,"endTime":238.56,"body":"FINRA."},{"speaker":"SPEAKER_01","startTime":239.2,"endTime":239.52,"body":"And"},{"speaker":"SPEAKER_01","startTime":239.52,"endTime":240.0,"body":"that's"},{"speaker":"SPEAKER_01","startTime":240.0,"endTime":240.16,"body":"really"},{"speaker":"SPEAKER_01","startTime":240.16,"endTime":240.4,"body":"the"},{"speaker":"SPEAKER_01","startTime":240.4,"endTime":240.64,"body":"kind"},{"speaker":"SPEAKER_01","startTime":240.64,"endTime":240.88,"body":"of"},{"speaker":"SPEAKER_01","startTime":240.88,"endTime":241.44,"body":"thing"},{"speaker":"SPEAKER_01","startTime":241.44,"endTime":241.76,"body":"that"},{"speaker":"SPEAKER_01","startTime":242.32,"endTime":242.64,"body":"would"},{"speaker":"SPEAKER_01","startTime":242.64,"endTime":242.88,"body":"put"},{"speaker":"SPEAKER_01","startTime":242.88,"endTime":243.04,"body":"you"},{"speaker":"SPEAKER_01","startTime":243.04,"endTime":243.2,"body":"in"},{"speaker":"SPEAKER_01","startTime":243.2,"endTime":243.28,"body":"the"},{"speaker":"SPEAKER_01","startTime":243.28,"endTime":244.0,"body":"brokerage"},{"speaker":"SPEAKER_01","startTime":244.0,"endTime":244.4,"body":"industry,"},{"speaker":"SPEAKER_01","startTime":244.56,"endTime":244.8,"body":"which"},{"speaker":"SPEAKER_01","startTime":244.8,"endTime":245.04,"body":"is"},{"speaker":"SPEAKER_01","startTime":245.04,"endTime":246.0,"body":"definitely"},{"speaker":"SPEAKER_01","startTime":246.0,"endTime":246.32,"body":"a"},{"speaker":"SPEAKER_01","startTime":246.32,"endTime":247.04,"body":"commissioned"},{"speaker":"SPEAKER_01","startTime":247.04,"endTime":247.44,"body":"sales"},{"speaker":"SPEAKER_01","startTime":247.44,"endTime":247.76,"body":"job."},{"speaker":"SPEAKER_01","startTime":247.92,"endTime":248.16,"body":"It"},{"speaker":"SPEAKER_01","startTime":248.16,"endTime":248.32,"body":"is."},{"speaker":"SPEAKER_01","startTime":248.48,"endTime":249.04,"body":"Trust"},{"speaker":"SPEAKER_01","startTime":249.04,"endTime":249.2,"body":"me,"},{"speaker":"SPEAKER_01","startTime":249.44,"endTime":249.76,"body":"I"},{"speaker":"SPEAKER_01","startTime":249.76,"endTime":250.08,"body":"was"},{"speaker":"SPEAKER_01","startTime":250.08,"endTime":250.4,"body":"one."},{"speaker":"SPEAKER_01","startTime":250.88,"endTime":251.12,"body":"And"},{"speaker":"SPEAKER_01","startTime":251.12,"endTime":251.28,"body":"let"},{"speaker":"SPEAKER_01","startTime":251.28,"endTime":251.44,"body":"me"},{"speaker":"SPEAKER_01","startTime":251.44,"endTime":251.6,"body":"just"},{"speaker":"SPEAKER_01","startTime":251.6,"endTime":251.76,"body":"tell"},{"speaker":"SPEAKER_01","startTime":251.76,"endTime":251.92,"body":"you"},{"speaker":"SPEAKER_01","startTime":251.92,"endTime":252.08,"body":"a"},{"speaker":"SPEAKER_01","startTime":252.08,"endTime":252.4,"body":"little"},{"speaker":"SPEAKER_01","startTime":252.4,"endTime":253.04,"body":"story"},{"speaker":"SPEAKER_01","startTime":253.36,"endTime":254.08,"body":"before"},{"speaker":"SPEAKER_01","startTime":254.08,"endTime":254.4,"body":"you"},{"speaker":"SPEAKER_01","startTime":254.4,"endTime":254.72,"body":"consider"},{"speaker":"SPEAKER_01","startTime":255.04,"endTime":255.36,"body":"this."},{"speaker":"SPEAKER_01","startTime":256.32,"endTime":256.56,"body":"Uh"},{"speaker":"SPEAKER_01","startTime":256.72,"endTime":257.36,"body":"it's"},{"speaker":"SPEAKER_01","startTime":257.36,"endTime":258.0,"body":"personal,"},{"speaker":"SPEAKER_01","startTime":258.56,"endTime":258.72,"body":"and"},{"speaker":"SPEAKER_01","startTime":258.96,"endTime":259.12,"body":"but"},{"speaker":"SPEAKER_01","startTime":259.12,"endTime":259.36,"body":"it's"},{"speaker":"SPEAKER_01","startTime":259.36,"endTime":259.52,"body":"a"},{"speaker":"SPEAKER_01","startTime":259.52,"endTime":259.84,"body":"good"},{"speaker":"SPEAKER_01","startTime":259.84,"endTime":260.16,"body":"one."},{"speaker":"SPEAKER_01","startTime":260.48,"endTime":261.04,"body":"Back"},{"speaker":"SPEAKER_01","startTime":261.04,"endTime":261.36,"body":"in"},{"speaker":"SPEAKER_01","startTime":261.52,"endTime":261.84,"body":"uh"},{"speaker":"SPEAKER_01","startTime":261.84,"endTime":263.36,"body":"1983,"},{"speaker":"SPEAKER_01","startTime":264.32,"endTime":264.64,"body":"I"},{"speaker":"SPEAKER_01","startTime":264.96,"endTime":265.28,"body":"was"},{"speaker":"SPEAKER_01","startTime":265.68,"endTime":265.92,"body":"uh"},{"speaker":"SPEAKER_01","startTime":266.08,"endTime":266.4,"body":"a"},{"speaker":"SPEAKER_01","startTime":266.4,"endTime":266.72,"body":"very"},{"speaker":"SPEAKER_01","startTime":266.72,"endTime":267.36,"body":"experienced"},{"speaker":"SPEAKER_01","startTime":267.36,"endTime":268.08,"body":"salesperson."},{"speaker":"SPEAKER_01","startTime":268.64,"endTime":268.96,"body":"I"},{"speaker":"SPEAKER_01","startTime":268.96,"endTime":269.2,"body":"had"},{"speaker":"SPEAKER_01","startTime":269.2,"endTime":269.44,"body":"been"},{"speaker":"SPEAKER_01","startTime":269.44,"endTime":269.6,"body":"a"},{"speaker":"SPEAKER_01","startTime":269.6,"endTime":269.84,"body":"uh"},{"speaker":"SPEAKER_01","startTime":269.84,"endTime":270.24,"body":"parts"},{"speaker":"SPEAKER_01","startTime":270.24,"endTime":270.72,"body":"clerk"},{"speaker":"SPEAKER_01","startTime":270.72,"endTime":271.04,"body":"at"},{"speaker":"SPEAKER_01","startTime":271.04,"endTime":271.52,"body":"Sears"},{"speaker":"SPEAKER_01","startTime":271.68,"endTime":272.16,"body":"Roebuck"},{"speaker":"SPEAKER_01","startTime":272.24,"endTime":272.32,"body":"and"},{"speaker":"SPEAKER_01","startTime":272.32,"endTime":272.56,"body":"Company"},{"speaker":"SPEAKER_01","startTime":272.56,"endTime":272.64,"body":"at"},{"speaker":"SPEAKER_01","startTime":272.64,"endTime":272.8,"body":"their"},{"speaker":"SPEAKER_01","startTime":272.8,"endTime":273.12,"body":"service"},{"speaker":"SPEAKER_01","startTime":273.12,"endTime":273.36,"body":"center,"},{"speaker":"SPEAKER_01","startTime":273.44,"endTime":273.6,"body":"and"},{"speaker":"SPEAKER_01","startTime":273.6,"endTime":273.76,"body":"I,"},{"speaker":"SPEAKER_01","startTime":273.84,"endTime":273.92,"body":"you"},{"speaker":"SPEAKER_01","startTime":273.92,"endTime":274.08,"body":"know,"},{"speaker":"SPEAKER_01","startTime":274.16,"endTime":274.4,"body":"sold"},{"speaker":"SPEAKER_01","startTime":274.4,"endTime":274.72,"body":"parts"},{"speaker":"SPEAKER_01","startTime":274.72,"endTime":274.88,"body":"and"},{"speaker":"SPEAKER_01","startTime":274.88,"endTime":275.28,"body":"service,"},{"speaker":"SPEAKER_01","startTime":275.52,"endTime":275.84,"body":"worked"},{"speaker":"SPEAKER_01","startTime":275.84,"endTime":276.08,"body":"the"},{"speaker":"SPEAKER_01","startTime":276.08,"endTime":276.56,"body":"counter."},{"speaker":"SPEAKER_01","startTime":276.8,"endTime":277.04,"body":"Then"},{"speaker":"SPEAKER_01","startTime":277.04,"endTime":277.2,"body":"I"},{"speaker":"SPEAKER_01","startTime":277.2,"endTime":277.68,"body":"helped"},{"speaker":"SPEAKER_01","startTime":277.68,"endTime":277.76,"body":"a"},{"speaker":"SPEAKER_01","startTime":277.76,"endTime":278.0,"body":"guy"},{"speaker":"SPEAKER_01","startTime":278.0,"endTime":278.24,"body":"who"},{"speaker":"SPEAKER_01","startTime":278.24,"endTime":278.48,"body":"worked"},{"speaker":"SPEAKER_01","startTime":278.48,"endTime":278.56,"body":"for"},{"speaker":"SPEAKER_01","startTime":278.56,"endTime":278.72,"body":"a"},{"speaker":"SPEAKER_01","startTime":278.72,"endTime":278.88,"body":"car"},{"speaker":"SPEAKER_01","startTime":278.88,"endTime":279.2,"body":"dealer,"},{"speaker":"SPEAKER_01","startTime":279.28,"endTime":279.36,"body":"and"},{"speaker":"SPEAKER_01","startTime":279.36,"endTime":279.44,"body":"he"},{"speaker":"SPEAKER_01","startTime":279.44,"endTime":279.52,"body":"said,"},{"speaker":"SPEAKER_01","startTime":279.76,"endTime":280.0,"body":"Ooh,"},{"speaker":"SPEAKER_01","startTime":280.08,"endTime":280.4,"body":"you're"},{"speaker":"SPEAKER_01","startTime":280.4,"endTime":280.56,"body":"good"},{"speaker":"SPEAKER_01","startTime":280.56,"endTime":280.72,"body":"with"},{"speaker":"SPEAKER_01","startTime":280.72,"endTime":280.96,"body":"people."},{"speaker":"SPEAKER_01","startTime":281.04,"endTime":281.2,"body":"I"},{"speaker":"SPEAKER_01","startTime":281.2,"endTime":281.36,"body":"need"},{"speaker":"SPEAKER_01","startTime":281.36,"endTime":281.52,"body":"you"},{"speaker":"SPEAKER_01","startTime":281.52,"endTime":281.6,"body":"to"},{"speaker":"SPEAKER_01","startTime":281.6,"endTime":281.76,"body":"be"},{"speaker":"SPEAKER_01","startTime":281.76,"endTime":281.84,"body":"a"},{"speaker":"SPEAKER_01","startTime":281.84,"endTime":282.16,"body":"service"},{"speaker":"SPEAKER_01","startTime":282.16,"endTime":282.56,"body":"advisor"},{"speaker":"SPEAKER_01","startTime":282.56,"endTime":282.64,"body":"for"},{"speaker":"SPEAKER_01","startTime":282.64,"endTime":282.8,"body":"my"},{"speaker":"SPEAKER_01","startTime":282.8,"endTime":283.6,"body":"Volkswagen"},{"speaker":"SPEAKER_01","startTime":283.6,"endTime":284.16,"body":"Subaru"},{"speaker":"SPEAKER_01","startTime":284.32,"endTime":284.8,"body":"dealership."},{"speaker":"SPEAKER_01","startTime":285.04,"endTime":285.2,"body":"So"},{"speaker":"SPEAKER_01","startTime":285.52,"endTime":285.84,"body":"I"},{"speaker":"SPEAKER_01","startTime":285.84,"endTime":286.8,"body":"changed"},{"speaker":"SPEAKER_01","startTime":287.04,"endTime":287.68,"body":"course"},{"speaker":"SPEAKER_01","startTime":287.68,"endTime":287.84,"body":"and"},{"speaker":"SPEAKER_01","startTime":287.84,"endTime":288.24,"body":"went"},{"speaker":"SPEAKER_01","startTime":288.24,"endTime":288.48,"body":"off"},{"speaker":"SPEAKER_01","startTime":288.48,"endTime":288.72,"body":"to"},{"speaker":"SPEAKER_01","startTime":288.72,"endTime":289.04,"body":"uh"},{"speaker":"SPEAKER_01","startTime":289.04,"endTime":289.36,"body":"sell"},{"speaker":"SPEAKER_01","startTime":290.32,"endTime":290.64,"body":"car"},{"speaker":"SPEAKER_01","startTime":290.8,"endTime":291.44,"body":"service"},{"speaker":"SPEAKER_01","startTime":291.44,"endTime":291.68,"body":"on"},{"speaker":"SPEAKER_01","startTime":291.68,"endTime":292.0,"body":"a"},{"speaker":"SPEAKER_01","startTime":292.0,"endTime":292.64,"body":"commission."},{"speaker":"SPEAKER_01","startTime":293.68,"endTime":294.0,"body":"Then"},{"speaker":"SPEAKER_01","startTime":294.0,"endTime":294.24,"body":"I"},{"speaker":"SPEAKER_01","startTime":294.24,"endTime":294.4,"body":"had"},{"speaker":"SPEAKER_01","startTime":294.4,"endTime":294.56,"body":"the"},{"speaker":"SPEAKER_01","startTime":294.56,"endTime":294.96,"body":"opportunity"},{"speaker":"SPEAKER_01","startTime":294.96,"endTime":295.12,"body":"to"},{"speaker":"SPEAKER_01","startTime":295.12,"endTime":295.28,"body":"go"},{"speaker":"SPEAKER_01","startTime":295.28,"endTime":295.36,"body":"to"},{"speaker":"SPEAKER_01","startTime":295.36,"endTime":295.52,"body":"work"},{"speaker":"SPEAKER_01","startTime":295.52,"endTime":295.76,"body":"for"},{"speaker":"SPEAKER_01","startTime":295.76,"endTime":296.8,"body":"JCPenney"},{"speaker":"SPEAKER_01","startTime":296.8,"endTime":297.28,"body":"selling"},{"speaker":"SPEAKER_01","startTime":297.28,"endTime":298.4,"body":"electronics"},{"speaker":"SPEAKER_01","startTime":298.4,"endTime":298.64,"body":"on"},{"speaker":"SPEAKER_01","startTime":298.64,"endTime":298.8,"body":"a"},{"speaker":"SPEAKER_01","startTime":298.8,"endTime":299.28,"body":"commission,"},{"speaker":"SPEAKER_01","startTime":299.36,"endTime":299.52,"body":"and"},{"speaker":"SPEAKER_01","startTime":299.52,"endTime":299.76,"body":"I"},{"speaker":"SPEAKER_01","startTime":299.76,"endTime":300.0,"body":"was"},{"speaker":"SPEAKER_01","startTime":300.0,"endTime":300.24,"body":"good."},{"speaker":"SPEAKER_01","startTime":300.48,"endTime":300.72,"body":"I"},{"speaker":"SPEAKER_01","startTime":300.72,"endTime":300.96,"body":"was"},{"speaker":"SPEAKER_01","startTime":300.96,"endTime":301.2,"body":"good."},{"speaker":"SPEAKER_01","startTime":301.36,"endTime":301.52,"body":"I"},{"speaker":"SPEAKER_01","startTime":301.52,"endTime":301.68,"body":"was"},{"speaker":"SPEAKER_01","startTime":301.68,"endTime":301.84,"body":"good"},{"speaker":"SPEAKER_01","startTime":301.84,"endTime":302.0,"body":"at"},{"speaker":"SPEAKER_01","startTime":302.0,"endTime":302.24,"body":"all"},{"speaker":"SPEAKER_01","startTime":302.24,"endTime":302.64,"body":"those."},{"speaker":"SPEAKER_01","startTime":302.8,"endTime":303.04,"body":"I"},{"speaker":"SPEAKER_01","startTime":303.04,"endTime":303.2,"body":"was"},{"speaker":"SPEAKER_01","startTime":303.2,"endTime":303.36,"body":"a"},{"speaker":"SPEAKER_01","startTime":303.36,"endTime":303.6,"body":"good"},{"speaker":"SPEAKER_01","startTime":303.6,"endTime":304.64,"body":"salesperson."},{"speaker":"SPEAKER_01","startTime":305.12,"endTime":305.44,"body":"I"},{"speaker":"SPEAKER_01","startTime":305.44,"endTime":305.76,"body":"had"},{"speaker":"SPEAKER_01","startTime":306.08,"endTime":306.4,"body":"no"},{"speaker":"SPEAKER_01","startTime":306.4,"endTime":307.04,"body":"experience"},{"speaker":"SPEAKER_01","startTime":307.04,"endTime":307.28,"body":"in"},{"speaker":"SPEAKER_01","startTime":307.28,"endTime":307.68,"body":"finance,"},{"speaker":"SPEAKER_01","startTime":307.84,"endTime":308.08,"body":"and"},{"speaker":"SPEAKER_01","startTime":308.08,"endTime":308.32,"body":"I"},{"speaker":"SPEAKER_01","startTime":308.32,"endTime":308.96,"body":"hated"},{"speaker":"SPEAKER_01","startTime":308.96,"endTime":309.36,"body":"math."},{"speaker":"SPEAKER_01","startTime":309.6,"endTime":309.92,"body":"Hated"},{"speaker":"SPEAKER_01","startTime":310.24,"endTime":310.4,"body":"it."},{"speaker":"SPEAKER_01","startTime":310.72,"endTime":311.12,"body":"Hated"},{"speaker":"SPEAKER_01","startTime":311.44,"endTime":311.76,"body":"it."},{"speaker":"SPEAKER_01","startTime":312.56,"endTime":313.2,"body":"However,"},{"speaker":"SPEAKER_01","startTime":313.36,"endTime":313.6,"body":"one"},{"speaker":"SPEAKER_01","startTime":313.6,"endTime":313.84,"body":"day"},{"speaker":"SPEAKER_01","startTime":313.84,"endTime":314.08,"body":"there"},{"speaker":"SPEAKER_01","startTime":314.08,"endTime":314.24,"body":"was"},{"speaker":"SPEAKER_01","startTime":314.24,"endTime":314.4,"body":"an"},{"speaker":"SPEAKER_01","startTime":314.4,"endTime":315.12,"body":"advertisement"},{"speaker":"SPEAKER_01","startTime":315.12,"endTime":315.28,"body":"in"},{"speaker":"SPEAKER_01","startTime":315.28,"endTime":315.44,"body":"the"},{"speaker":"SPEAKER_01","startTime":315.44,"endTime":315.92,"body":"local"},{"speaker":"SPEAKER_01","startTime":315.92,"endTime":316.56,"body":"paper"},{"speaker":"SPEAKER_01","startTime":316.88,"endTime":317.2,"body":"for"},{"speaker":"SPEAKER_01","startTime":317.52,"endTime":317.84,"body":"people"},{"speaker":"SPEAKER_01","startTime":317.84,"endTime":318.16,"body":"to"},{"speaker":"SPEAKER_01","startTime":318.16,"endTime":318.48,"body":"work"},{"speaker":"SPEAKER_01","startTime":318.48,"endTime":318.72,"body":"for"},{"speaker":"SPEAKER_01","startTime":318.72,"endTime":318.8,"body":"a"},{"speaker":"SPEAKER_01","startTime":318.8,"endTime":319.12,"body":"company"},{"speaker":"SPEAKER_01","startTime":319.12,"endTime":319.44,"body":"called"},{"speaker":"SPEAKER_01","startTime":319.44,"endTime":319.76,"body":"Dean"},{"speaker":"SPEAKER_01","startTime":319.76,"endTime":320.16,"body":"Whitter"},{"speaker":"SPEAKER_01","startTime":320.32,"endTime":320.96,"body":"Reynolds,"},{"speaker":"SPEAKER_01","startTime":321.04,"endTime":321.2,"body":"now"},{"speaker":"SPEAKER_01","startTime":321.36,"endTime":321.68,"body":"Dean"},{"speaker":"SPEAKER_01","startTime":321.68,"endTime":322.08,"body":"Whitter,"},{"speaker":"SPEAKER_01","startTime":322.4,"endTime":322.48,"body":"a"},{"speaker":"SPEAKER_01","startTime":322.48,"endTime":322.72,"body":"member"},{"speaker":"SPEAKER_01","startTime":322.72,"endTime":322.8,"body":"of"},{"speaker":"SPEAKER_01","startTime":322.8,"endTime":322.96,"body":"the"},{"speaker":"SPEAKER_01","startTime":322.96,"endTime":323.36,"body":"Sears"},{"speaker":"SPEAKER_01","startTime":323.6,"endTime":324.0,"body":"Financial"},{"speaker":"SPEAKER_01","startTime":324.0,"endTime":324.56,"body":"Network,"},{"speaker":"SPEAKER_01","startTime":324.8,"endTime":324.96,"body":"to"},{"speaker":"SPEAKER_01","startTime":324.96,"endTime":325.36,"body":"fill"},{"speaker":"SPEAKER_01","startTime":325.36,"endTime":325.76,"body":"positions"},{"speaker":"SPEAKER_01","startTime":325.76,"endTime":325.92,"body":"at"},{"speaker":"SPEAKER_01","startTime":325.92,"endTime":326.0,"body":"the"},{"speaker":"SPEAKER_01","startTime":326.0,"endTime":326.32,"body":"new"},{"speaker":"SPEAKER_01","startTime":326.32,"endTime":326.72,"body":"Sears"},{"speaker":"SPEAKER_01","startTime":326.88,"endTime":327.36,"body":"Financial"},{"speaker":"SPEAKER_01","startTime":327.36,"endTime":327.76,"body":"Centers"},{"speaker":"SPEAKER_01","startTime":327.76,"endTime":327.84,"body":"in"},{"speaker":"SPEAKER_01","startTime":327.84,"endTime":328.08,"body":"the"},{"speaker":"SPEAKER_01","startTime":328.08,"endTime":328.48,"body":"Sears"},{"speaker":"SPEAKER_01","startTime":328.88,"endTime":329.52,"body":"stores."},{"speaker":"SPEAKER_01","startTime":330.56,"endTime":331.12,"body":"They"},{"speaker":"SPEAKER_01","startTime":331.12,"endTime":331.44,"body":"chose"},{"speaker":"SPEAKER_01","startTime":332.0,"endTime":332.8,"body":"fifteen"},{"speaker":"SPEAKER_01","startTime":332.8,"endTime":333.12,"body":"people,"},{"speaker":"SPEAKER_01","startTime":333.52,"endTime":334.4,"body":"including"},{"speaker":"SPEAKER_01","startTime":334.4,"endTime":334.72,"body":"the"},{"speaker":"SPEAKER_01","startTime":334.72,"endTime":335.04,"body":"most"},{"speaker":"SPEAKER_01","startTime":335.2,"endTime":335.92,"body":"unlikely"},{"speaker":"SPEAKER_01","startTime":335.92,"endTime":336.4,"body":"candidate"},{"speaker":"SPEAKER_01","startTime":336.4,"endTime":336.48,"body":"of"},{"speaker":"SPEAKER_01","startTime":336.48,"endTime":336.64,"body":"all,"},{"speaker":"SPEAKER_01","startTime":336.8,"endTime":336.88,"body":"a"},{"speaker":"SPEAKER_01","startTime":336.88,"endTime":337.04,"body":"guy"},{"speaker":"SPEAKER_01","startTime":337.04,"endTime":337.36,"body":"named"},{"speaker":"SPEAKER_01","startTime":337.36,"endTime":337.6,"body":"Don"},{"speaker":"SPEAKER_01","startTime":337.6,"endTime":338.24,"body":"McDonald."},{"speaker":"SPEAKER_01","startTime":338.4,"endTime":338.56,"body":"As"},{"speaker":"SPEAKER_01","startTime":338.56,"endTime":338.64,"body":"a"},{"speaker":"SPEAKER_01","startTime":338.64,"endTime":338.88,"body":"matter"},{"speaker":"SPEAKER_01","startTime":338.88,"endTime":339.04,"body":"of"},{"speaker":"SPEAKER_01","startTime":339.04,"endTime":339.36,"body":"fact,"},{"speaker":"SPEAKER_01","startTime":339.6,"endTime":339.84,"body":"the"},{"speaker":"SPEAKER_01","startTime":339.84,"endTime":340.48,"body":"manager"},{"speaker":"SPEAKER_01","startTime":340.8,"endTime":341.12,"body":"of"},{"speaker":"SPEAKER_01","startTime":341.6,"endTime":341.92,"body":"the"},{"speaker":"SPEAKER_01","startTime":341.92,"endTime":342.56,"body":"office"},{"speaker":"SPEAKER_01","startTime":342.56,"endTime":342.88,"body":"said,"},{"speaker":"SPEAKER_01","startTime":343.12,"endTime":343.6,"body":"Damn"},{"speaker":"SPEAKER_01","startTime":343.6,"endTime":343.76,"body":"it,"},{"speaker":"SPEAKER_01","startTime":344.0,"endTime":344.24,"body":"I"},{"speaker":"SPEAKER_01","startTime":344.24,"endTime":344.48,"body":"have"},{"speaker":"SPEAKER_01","startTime":344.48,"endTime":344.64,"body":"to"},{"speaker":"SPEAKER_01","startTime":344.64,"endTime":345.2,"body":"hire"},{"speaker":"SPEAKER_01","startTime":345.2,"endTime":345.52,"body":"you."},{"speaker":"SPEAKER_01","startTime":345.84,"endTime":346.16,"body":"He"},{"speaker":"SPEAKER_01","startTime":346.16,"endTime":346.56,"body":"didn't"},{"speaker":"SPEAKER_01","startTime":346.56,"endTime":346.8,"body":"want"},{"speaker":"SPEAKER_01","startTime":346.8,"endTime":346.96,"body":"to."},{"speaker":"SPEAKER_01","startTime":347.12,"endTime":347.28,"body":"He"},{"speaker":"SPEAKER_01","startTime":347.28,"endTime":347.52,"body":"didn't"},{"speaker":"SPEAKER_01","startTime":347.52,"endTime":347.68,"body":"think"},{"speaker":"SPEAKER_01","startTime":347.68,"endTime":347.76,"body":"I"},{"speaker":"SPEAKER_01","startTime":347.76,"endTime":347.92,"body":"was"},{"speaker":"SPEAKER_01","startTime":347.92,"endTime":348.56,"body":"qualified."},{"speaker":"SPEAKER_01","startTime":349.04,"endTime":349.2,"body":"I"},{"speaker":"SPEAKER_01","startTime":349.2,"endTime":349.44,"body":"mean,"},{"speaker":"SPEAKER_01","startTime":349.52,"endTime":349.76,"body":"we"},{"speaker":"SPEAKER_01","startTime":349.76,"endTime":349.92,"body":"had"},{"speaker":"SPEAKER_01","startTime":349.92,"endTime":350.16,"body":"a"},{"speaker":"SPEAKER_01","startTime":350.16,"endTime":350.88,"body":"PhD"},{"speaker":"SPEAKER_01","startTime":351.52,"endTime":351.84,"body":"in"},{"speaker":"SPEAKER_01","startTime":351.84,"endTime":352.16,"body":"our"},{"speaker":"SPEAKER_01","startTime":352.16,"endTime":352.8,"body":"class"},{"speaker":"SPEAKER_01","startTime":352.8,"endTime":353.04,"body":"of"},{"speaker":"SPEAKER_01","startTime":353.04,"endTime":353.52,"body":"15"},{"speaker":"SPEAKER_01","startTime":353.6,"endTime":353.76,"body":"who"},{"speaker":"SPEAKER_01","startTime":353.76,"endTime":354.0,"body":"went"},{"speaker":"SPEAKER_01","startTime":354.0,"endTime":354.24,"body":"off"},{"speaker":"SPEAKER_01","startTime":354.24,"endTime":354.4,"body":"to"},{"speaker":"SPEAKER_01","startTime":354.4,"endTime":355.12,"body":"training."},{"speaker":"SPEAKER_01","startTime":355.84,"endTime":356.48,"body":"Eighteen"},{"speaker":"SPEAKER_01","startTime":356.48,"endTime":356.88,"body":"months"},{"speaker":"SPEAKER_01","startTime":356.88,"endTime":357.28,"body":"later,"},{"speaker":"SPEAKER_01","startTime":359.2,"endTime":359.52,"body":"only"},{"speaker":"SPEAKER_01","startTime":359.52,"endTime":359.84,"body":"one"},{"speaker":"SPEAKER_01","startTime":359.84,"endTime":360.16,"body":"person"},{"speaker":"SPEAKER_01","startTime":360.16,"endTime":360.8,"body":"remained"},{"speaker":"SPEAKER_01","startTime":361.6,"endTime":361.76,"body":"in"},{"speaker":"SPEAKER_01","startTime":361.76,"endTime":361.92,"body":"that"},{"speaker":"SPEAKER_01","startTime":361.92,"endTime":362.4,"body":"initial"},{"speaker":"SPEAKER_01","startTime":362.4,"endTime":362.56,"body":"from"},{"speaker":"SPEAKER_01","startTime":362.56,"endTime":362.72,"body":"that"},{"speaker":"SPEAKER_01","startTime":362.72,"endTime":363.04,"body":"initial"},{"speaker":"SPEAKER_01","startTime":363.04,"endTime":363.36,"body":"training"},{"speaker":"SPEAKER_01","startTime":363.36,"endTime":363.6,"body":"class."},{"speaker":"SPEAKER_01","startTime":363.68,"endTime":363.92,"body":"Now,"},{"speaker":"SPEAKER_01","startTime":364.0,"endTime":364.24,"body":"other"},{"speaker":"SPEAKER_01","startTime":364.24,"endTime":364.4,"body":"ones"},{"speaker":"SPEAKER_01","startTime":364.4,"endTime":364.56,"body":"had"},{"speaker":"SPEAKER_01","startTime":364.56,"endTime":364.72,"body":"come"},{"speaker":"SPEAKER_01","startTime":364.72,"endTime":364.88,"body":"in"},{"speaker":"SPEAKER_01","startTime":364.88,"endTime":365.12,"body":"along"},{"speaker":"SPEAKER_01","startTime":365.12,"endTime":365.28,"body":"the"},{"speaker":"SPEAKER_01","startTime":365.28,"endTime":365.44,"body":"way"},{"speaker":"SPEAKER_01","startTime":365.44,"endTime":365.6,"body":"to"},{"speaker":"SPEAKER_01","startTime":365.6,"endTime":366.16,"body":"replace"},{"speaker":"SPEAKER_01","startTime":366.16,"endTime":366.24,"body":"them."},{"speaker":"SPEAKER_01","startTime":367.12,"endTime":367.44,"body":"There"},{"speaker":"SPEAKER_01","startTime":367.44,"endTime":367.6,"body":"was"},{"speaker":"SPEAKER_01","startTime":367.6,"endTime":367.76,"body":"only"},{"speaker":"SPEAKER_01","startTime":367.76,"endTime":368.0,"body":"one"},{"speaker":"SPEAKER_01","startTime":368.0,"endTime":368.24,"body":"guy"},{"speaker":"SPEAKER_01","startTime":368.24,"endTime":368.4,"body":"out"},{"speaker":"SPEAKER_01","startTime":368.4,"endTime":368.48,"body":"of"},{"speaker":"SPEAKER_01","startTime":368.48,"endTime":368.64,"body":"that"},{"speaker":"SPEAKER_01","startTime":368.64,"endTime":369.04,"body":"15"},{"speaker":"SPEAKER_01","startTime":369.04,"endTime":369.2,"body":"who"},{"speaker":"SPEAKER_01","startTime":369.2,"endTime":369.36,"body":"ended"},{"speaker":"SPEAKER_01","startTime":369.36,"endTime":369.52,"body":"up"},{"speaker":"SPEAKER_01","startTime":369.52,"endTime":369.6,"body":"with"},{"speaker":"SPEAKER_01","startTime":369.6,"endTime":369.68,"body":"a"},{"speaker":"SPEAKER_01","startTime":369.68,"endTime":370.24,"body":"window"},{"speaker":"SPEAKER_01","startTime":370.24,"endTime":370.88,"body":"office."},{"speaker":"SPEAKER_01","startTime":372.96,"endTime":373.28,"body":"That"},{"speaker":"SPEAKER_01","startTime":373.28,"endTime":373.6,"body":"was"},{"speaker":"SPEAKER_01","startTime":373.6,"endTime":373.84,"body":"not"},{"speaker":"SPEAKER_01","startTime":374.16,"endTime":374.4,"body":"the"},{"speaker":"SPEAKER_01","startTime":374.4,"endTime":374.96,"body":"numbers"},{"speaker":"SPEAKER_01","startTime":375.12,"endTime":375.76,"body":"guys."},{"speaker":"SPEAKER_01","startTime":376.16,"endTime":376.4,"body":"All"},{"speaker":"SPEAKER_01","startTime":376.4,"endTime":376.64,"body":"of"},{"speaker":"SPEAKER_01","startTime":376.64,"endTime":376.88,"body":"them"},{"speaker":"SPEAKER_01","startTime":376.88,"endTime":377.68,"body":"failed."},{"speaker":"SPEAKER_01","startTime":378.0,"endTime":378.4,"body":"It's"},{"speaker":"SPEAKER_01","startTime":378.4,"endTime":378.56,"body":"not"},{"speaker":"SPEAKER_01","startTime":378.56,"endTime":378.72,"body":"a"},{"speaker":"SPEAKER_01","startTime":378.72,"endTime":379.36,"body":"numbers"},{"speaker":"SPEAKER_01","startTime":379.36,"endTime":380.16,"body":"business."},{"speaker":"SPEAKER_01","startTime":380.96,"endTime":381.28,"body":"I"},{"speaker":"SPEAKER_01","startTime":381.28,"endTime":381.44,"body":"know"},{"speaker":"SPEAKER_01","startTime":381.44,"endTime":381.84,"body":"there's"},{"speaker":"SPEAKER_01","startTime":381.84,"endTime":382.24,"body":"planning,"},{"speaker":"SPEAKER_01","startTime":382.32,"endTime":382.48,"body":"but"},{"speaker":"SPEAKER_01","startTime":382.48,"endTime":382.64,"body":"let"},{"speaker":"SPEAKER_01","startTime":382.64,"endTime":382.8,"body":"me"},{"speaker":"SPEAKER_01","startTime":382.8,"endTime":382.96,"body":"tell"},{"speaker":"SPEAKER_01","startTime":382.96,"endTime":383.04,"body":"you,"},{"speaker":"SPEAKER_01","startTime":383.2,"endTime":383.36,"body":"all"},{"speaker":"SPEAKER_01","startTime":383.36,"endTime":383.6,"body":"of"},{"speaker":"SPEAKER_01","startTime":383.6,"endTime":383.84,"body":"that"},{"speaker":"SPEAKER_01","startTime":383.84,"endTime":384.32,"body":"stuff,"},{"speaker":"SPEAKER_01","startTime":384.64,"endTime":384.96,"body":"most"},{"speaker":"SPEAKER_01","startTime":384.96,"endTime":385.12,"body":"of"},{"speaker":"SPEAKER_01","startTime":385.12,"endTime":385.36,"body":"that"},{"speaker":"SPEAKER_01","startTime":385.36,"endTime":385.68,"body":"stuff,"},{"speaker":"SPEAKER_01","startTime":385.84,"endTime":386.16,"body":"that's"},{"speaker":"SPEAKER_01","startTime":386.16,"endTime":386.56,"body":"done"},{"speaker":"SPEAKER_01","startTime":386.56,"endTime":386.8,"body":"by"},{"speaker":"SPEAKER_01","startTime":386.8,"endTime":387.52,"body":"computers."},{"speaker":"SPEAKER_01","startTime":387.76,"endTime":388.08,"body":"The"},{"speaker":"SPEAKER_01","startTime":388.08,"endTime":388.32,"body":"real"},{"speaker":"SPEAKER_01","startTime":388.32,"endTime":388.64,"body":"key"},{"speaker":"SPEAKER_01","startTime":388.64,"endTime":388.8,"body":"to"},{"speaker":"SPEAKER_01","startTime":388.8,"endTime":389.04,"body":"being"},{"speaker":"SPEAKER_01","startTime":389.04,"endTime":389.2,"body":"a"},{"speaker":"SPEAKER_01","startTime":389.2,"endTime":389.84,"body":"successful"},{"speaker":"SPEAKER_01","startTime":389.84,"endTime":390.32,"body":"financial"},{"speaker":"SPEAKER_01","startTime":390.32,"endTime":390.88,"body":"advice"},{"speaker":"SPEAKER_01","startTime":390.88,"endTime":391.6,"body":"provider"},{"speaker":"SPEAKER_01","startTime":391.6,"endTime":391.92,"body":"is"},{"speaker":"SPEAKER_01","startTime":391.92,"endTime":392.24,"body":"your"},{"speaker":"SPEAKER_01","startTime":392.24,"endTime":393.2,"body":"interpersonal"},{"speaker":"SPEAKER_01","startTime":393.2,"endTime":393.6,"body":"skills."},{"speaker":"SPEAKER_01","startTime":393.68,"endTime":393.92,"body":"Now,"},{"speaker":"SPEAKER_01","startTime":394.0,"endTime":394.16,"body":"if"},{"speaker":"SPEAKER_01","startTime":394.16,"endTime":394.48,"body":"that's"},{"speaker":"SPEAKER_01","startTime":394.48,"endTime":394.64,"body":"your"},{"speaker":"SPEAKER_01","startTime":394.64,"endTime":395.12,"body":"strength"},{"speaker":"SPEAKER_01","startTime":395.12,"endTime":395.28,"body":"in"},{"speaker":"SPEAKER_01","startTime":395.28,"endTime":395.44,"body":"the"},{"speaker":"SPEAKER_01","startTime":395.44,"endTime":395.76,"body":"world,"},{"speaker":"SPEAKER_01","startTime":396.0,"endTime":396.32,"body":"then"},{"speaker":"SPEAKER_01","startTime":396.32,"endTime":396.56,"body":"you"},{"speaker":"SPEAKER_01","startTime":396.56,"endTime":396.72,"body":"have"},{"speaker":"SPEAKER_01","startTime":396.72,"endTime":396.96,"body":"a"},{"speaker":"SPEAKER_01","startTime":396.96,"endTime":397.6,"body":"chance."},{"speaker":"SPEAKER_01","startTime":397.84,"endTime":398.08,"body":"And"},{"speaker":"SPEAKER_01","startTime":398.08,"endTime":398.32,"body":"if"},{"speaker":"SPEAKER_01","startTime":398.32,"endTime":398.64,"body":"that's"},{"speaker":"SPEAKER_01","startTime":398.64,"endTime":398.8,"body":"your"},{"speaker":"SPEAKER_01","startTime":398.8,"endTime":399.12,"body":"strength"},{"speaker":"SPEAKER_01","startTime":399.2,"endTime":399.36,"body":"and"},{"speaker":"SPEAKER_01","startTime":399.36,"endTime":399.52,"body":"you"},{"speaker":"SPEAKER_01","startTime":399.52,"endTime":399.68,"body":"want"},{"speaker":"SPEAKER_01","startTime":399.68,"endTime":399.92,"body":"to"},{"speaker":"SPEAKER_01","startTime":399.92,"endTime":400.16,"body":"get"},{"speaker":"SPEAKER_01","startTime":400.16,"endTime":400.48,"body":"ready"},{"speaker":"SPEAKER_01","startTime":400.48,"endTime":400.72,"body":"to"},{"speaker":"SPEAKER_01","startTime":400.72,"endTime":400.88,"body":"be"},{"speaker":"SPEAKER_01","startTime":400.88,"endTime":401.04,"body":"in"},{"speaker":"SPEAKER_01","startTime":401.04,"endTime":401.2,"body":"the"},{"speaker":"SPEAKER_01","startTime":401.2,"endTime":401.6,"body":"business,"},{"speaker":"SPEAKER_01","startTime":401.68,"endTime":401.84,"body":"the"},{"speaker":"SPEAKER_01","startTime":401.84,"endTime":402.08,"body":"thing"},{"speaker":"SPEAKER_01","startTime":402.08,"endTime":402.32,"body":"you're"},{"speaker":"SPEAKER_01","startTime":402.32,"endTime":402.4,"body":"going"},{"speaker":"SPEAKER_01","startTime":402.4,"endTime":402.48,"body":"to"},{"speaker":"SPEAKER_01","startTime":402.48,"endTime":402.72,"body":"need"},{"speaker":"SPEAKER_01","startTime":402.72,"endTime":402.96,"body":"first"},{"speaker":"SPEAKER_01","startTime":402.96,"endTime":403.12,"body":"is"},{"speaker":"SPEAKER_01","startTime":403.12,"endTime":403.36,"body":"a"},{"speaker":"SPEAKER_01","startTime":403.36,"endTime":403.76,"body":"Series"},{"speaker":"SPEAKER_01","startTime":403.76,"endTime":404.48,"body":"65"},{"speaker":"SPEAKER_01","startTime":404.48,"endTime":404.88,"body":"license."},{"speaker":"SPEAKER_01","startTime":404.96,"endTime":405.12,"body":"So"},{"speaker":"SPEAKER_01","startTime":405.2,"endTime":405.36,"body":"take"},{"speaker":"SPEAKER_01","startTime":405.36,"endTime":405.44,"body":"a"},{"speaker":"SPEAKER_01","startTime":405.44,"endTime":405.84,"body":"Series"},{"speaker":"SPEAKER_01","startTime":405.84,"endTime":406.4,"body":"65"},{"speaker":"SPEAKER_01","startTime":406.4,"endTime":406.88,"body":"crash"},{"speaker":"SPEAKER_01","startTime":406.88,"endTime":407.44,"body":"course"},{"speaker":"SPEAKER_01","startTime":407.68,"endTime":407.92,"body":"and"},{"speaker":"SPEAKER_01","startTime":407.92,"endTime":408.16,"body":"uh"},{"speaker":"SPEAKER_01","startTime":408.16,"endTime":408.48,"body":"go"},{"speaker":"SPEAKER_01","startTime":408.48,"endTime":408.64,"body":"take"},{"speaker":"SPEAKER_01","startTime":408.64,"endTime":408.88,"body":"your"},{"speaker":"SPEAKER_01","startTime":408.88,"endTime":409.28,"body":"Series"},{"speaker":"SPEAKER_01","startTime":409.28,"endTime":409.84,"body":"65."},{"speaker":"SPEAKER_01","startTime":409.92,"endTime":410.24,"body":"That's"},{"speaker":"SPEAKER_01","startTime":410.24,"endTime":410.32,"body":"from"},{"speaker":"SPEAKER_01","startTime":410.32,"endTime":410.48,"body":"the"},{"speaker":"SPEAKER_01","startTime":410.88,"endTime":411.68,"body":"SEC."},{"speaker":"SPEAKER_01","startTime":412.24,"endTime":412.56,"body":"If"},{"speaker":"SPEAKER_01","startTime":412.56,"endTime":412.88,"body":"you"},{"speaker":"SPEAKER_01","startTime":412.88,"endTime":413.2,"body":"have"},{"speaker":"SPEAKER_01","startTime":413.2,"endTime":413.36,"body":"that,"},{"speaker":"SPEAKER_01","startTime":413.6,"endTime":413.92,"body":"then"},{"speaker":"SPEAKER_01","startTime":413.92,"endTime":414.08,"body":"you"},{"speaker":"SPEAKER_01","startTime":414.08,"endTime":414.4,"body":"might"},{"speaker":"SPEAKER_01","startTime":414.4,"endTime":414.64,"body":"get"},{"speaker":"SPEAKER_01","startTime":414.64,"endTime":415.28,"body":"hired."},{"speaker":"SPEAKER_01","startTime":415.68,"endTime":415.84,"body":"Um,"},{"speaker":"SPEAKER_01","startTime":416.08,"endTime":416.4,"body":"but"},{"speaker":"SPEAKER_01","startTime":416.4,"endTime":416.8,"body":"remember,"},{"speaker":"SPEAKER_01","startTime":416.88,"endTime":417.12,"body":"they're"},{"speaker":"SPEAKER_01","startTime":417.12,"endTime":417.28,"body":"going"},{"speaker":"SPEAKER_01","startTime":417.28,"endTime":417.36,"body":"to"},{"speaker":"SPEAKER_01","startTime":417.36,"endTime":417.52,"body":"be"},{"speaker":"SPEAKER_01","startTime":417.52,"endTime":417.84,"body":"looking"},{"speaker":"SPEAKER_01","startTime":417.84,"endTime":418.16,"body":"for"},{"speaker":"SPEAKER_01","startTime":418.16,"endTime":418.48,"body":"people"},{"speaker":"SPEAKER_01","startTime":418.48,"endTime":418.8,"body":"who"},{"speaker":"SPEAKER_01","startTime":418.8,"endTime":419.12,"body":"can"},{"speaker":"SPEAKER_01","startTime":419.36,"endTime":419.76,"body":"open"},{"speaker":"SPEAKER_01","startTime":419.76,"endTime":420.0,"body":"new"},{"speaker":"SPEAKER_01","startTime":420.0,"endTime":420.64,"body":"accounts"},{"speaker":"SPEAKER_01","startTime":420.64,"endTime":420.8,"body":"and"},{"speaker":"SPEAKER_01","startTime":420.8,"endTime":421.12,"body":"bring"},{"speaker":"SPEAKER_01","startTime":421.12,"endTime":421.28,"body":"in"},{"speaker":"SPEAKER_01","startTime":421.28,"endTime":421.52,"body":"new"},{"speaker":"SPEAKER_01","startTime":421.52,"endTime":422.16,"body":"clients,"},{"speaker":"SPEAKER_01","startTime":422.48,"endTime":422.8,"body":"not"},{"speaker":"SPEAKER_01","startTime":423.04,"endTime":423.36,"body":"who"},{"speaker":"SPEAKER_01","startTime":423.36,"endTime":423.52,"body":"are"},{"speaker":"SPEAKER_01","startTime":423.52,"endTime":423.84,"body":"great"},{"speaker":"SPEAKER_01","startTime":423.84,"endTime":424.24,"body":"planners."},{"speaker":"SPEAKER_01","startTime":425.28,"endTime":425.52,"body":"That's"},{"speaker":"SPEAKER_01","startTime":425.52,"endTime":425.6,"body":"the"},{"speaker":"SPEAKER_01","startTime":425.6,"endTime":425.92,"body":"business."},{"speaker":"SPEAKER_01","startTime":426.08,"endTime":426.32,"body":"That's"},{"speaker":"SPEAKER_01","startTime":426.32,"endTime":426.4,"body":"the"},{"speaker":"SPEAKER_01","startTime":426.4,"endTime":426.56,"body":"way"},{"speaker":"SPEAKER_01","startTime":426.56,"endTime":426.64,"body":"it"},{"speaker":"SPEAKER_01","startTime":426.64,"endTime":426.88,"body":"works."},{"speaker":"SPEAKER_01","startTime":427.12,"endTime":427.44,"body":"Thanks"},{"speaker":"SPEAKER_01","startTime":427.44,"endTime":427.52,"body":"for"},{"speaker":"SPEAKER_01","startTime":427.52,"endTime":427.68,"body":"your"},{"speaker":"SPEAKER_01","startTime":427.68,"endTime":427.92,"body":"question."},{"speaker":"SPEAKER_01","startTime":428.08,"endTime":428.16,"body":"I"},{"speaker":"SPEAKER_01","startTime":428.16,"endTime":428.32,"body":"know"},{"speaker":"SPEAKER_01","startTime":428.32,"endTime":428.48,"body":"I"},{"speaker":"SPEAKER_01","startTime":428.48,"endTime":428.72,"body":"went"},{"speaker":"SPEAKER_01","startTime":428.72,"endTime":428.88,"body":"a"},{"speaker":"SPEAKER_01","startTime":428.88,"endTime":429.04,"body":"bit"},{"speaker":"SPEAKER_01","startTime":429.04,"endTime":429.28,"body":"long"},{"speaker":"SPEAKER_01","startTime":429.28,"endTime":429.52,"body":"on"},{"speaker":"SPEAKER_01","startTime":429.52,"endTime":429.68,"body":"that"},{"speaker":"SPEAKER_01","startTime":429.68,"endTime":430.08,"body":"answer,"},{"speaker":"SPEAKER_01","startTime":430.32,"endTime":430.56,"body":"but"},{"speaker":"SPEAKER_01","startTime":430.56,"endTime":430.8,"body":"I"},{"speaker":"SPEAKER_01","startTime":430.8,"endTime":431.2,"body":"thought"},{"speaker":"SPEAKER_01","startTime":431.2,"endTime":431.36,"body":"it"},{"speaker":"SPEAKER_01","startTime":431.36,"endTime":432.0,"body":"warranted"},{"speaker":"SPEAKER_01","startTime":432.0,"endTime":432.16,"body":"it."},{"speaker":"SPEAKER_01","startTime":432.4,"endTime":432.64,"body":"Now"},{"speaker":"SPEAKER_01","startTime":432.72,"endTime":433.04,"body":"here's"},{"speaker":"SPEAKER_01","startTime":433.04,"endTime":433.2,"body":"our"},{"speaker":"SPEAKER_01","startTime":433.2,"endTime":433.36,"body":"next"},{"speaker":"SPEAKER_01","startTime":433.36,"endTime":433.52,"body":"one."},{"speaker":"SPEAKER_03","startTime":434.0,"endTime":434.24,"body":"Hi."},{"speaker":"SPEAKER_03","startTime":434.4,"endTime":434.64,"body":"I"},{"speaker":"SPEAKER_03","startTime":434.64,"endTime":434.8,"body":"have"},{"speaker":"SPEAKER_03","startTime":434.8,"endTime":435.04,"body":"a"},{"speaker":"SPEAKER_03","startTime":435.04,"endTime":435.52,"body":"question"},{"speaker":"SPEAKER_03","startTime":435.52,"endTime":436.4,"body":"regarding"},{"speaker":"SPEAKER_03","startTime":436.56,"endTime":437.44,"body":"enhanced"},{"speaker":"SPEAKER_03","startTime":437.44,"endTime":438.08,"body":"direct"},{"speaker":"SPEAKER_03","startTime":438.08,"endTime":439.2,"body":"indexing."},{"speaker":"SPEAKER_03","startTime":439.44,"endTime":439.6,"body":"Um"},{"speaker":"SPEAKER_03","startTime":439.84,"endTime":440.24,"body":"I'm"},{"speaker":"SPEAKER_03","startTime":440.24,"endTime":440.88,"body":"familiar"},{"speaker":"SPEAKER_03","startTime":440.88,"endTime":441.04,"body":"with"},{"speaker":"SPEAKER_03","startTime":441.04,"endTime":441.36,"body":"the"},{"speaker":"SPEAKER_03","startTime":441.36,"endTime":441.84,"body":"direct"},{"speaker":"SPEAKER_03","startTime":441.84,"endTime":442.48,"body":"indexing"},{"speaker":"SPEAKER_03","startTime":442.72,"endTime":443.04,"body":"where"},{"speaker":"SPEAKER_03","startTime":443.04,"endTime":443.36,"body":"you"},{"speaker":"SPEAKER_03","startTime":443.36,"endTime":443.68,"body":"buy"},{"speaker":"SPEAKER_03","startTime":443.68,"endTime":444.32,"body":"individual"},{"speaker":"SPEAKER_03","startTime":444.32,"endTime":444.72,"body":"stocks"},{"speaker":"SPEAKER_03","startTime":444.72,"endTime":444.96,"body":"that"},{"speaker":"SPEAKER_03","startTime":444.96,"endTime":445.2,"body":"will"},{"speaker":"SPEAKER_03","startTime":445.2,"endTime":445.76,"body":"mirror"},{"speaker":"SPEAKER_03","startTime":445.76,"endTime":446.0,"body":"the"},{"speaker":"SPEAKER_03","startTime":446.0,"endTime":446.64,"body":"SP"},{"speaker":"SPEAKER_03","startTime":446.64,"endTime":447.44,"body":"500"},{"speaker":"SPEAKER_03","startTime":447.76,"endTime":448.08,"body":"to"},{"speaker":"SPEAKER_03","startTime":448.72,"endTime":449.84,"body":"hopefully"},{"speaker":"SPEAKER_03","startTime":450.64,"endTime":451.28,"body":"harvest"},{"speaker":"SPEAKER_03","startTime":451.76,"endTime":452.64,"body":"losses"},{"speaker":"SPEAKER_03","startTime":452.64,"endTime":452.96,"body":"to"},{"speaker":"SPEAKER_03","startTime":452.96,"endTime":453.6,"body":"offset"},{"speaker":"SPEAKER_03","startTime":453.6,"endTime":454.24,"body":"gains"},{"speaker":"SPEAKER_03","startTime":454.24,"endTime":455.28,"body":"elsewhere."},{"speaker":"SPEAKER_03","startTime":455.6,"endTime":456.08,"body":"There"},{"speaker":"SPEAKER_03","startTime":456.08,"endTime":456.4,"body":"is"},{"speaker":"SPEAKER_03","startTime":456.4,"endTime":456.8,"body":"something"},{"speaker":"SPEAKER_03","startTime":456.8,"endTime":457.36,"body":"called"},{"speaker":"SPEAKER_03","startTime":457.36,"endTime":458.08,"body":"enhanced"},{"speaker":"SPEAKER_03","startTime":458.08,"endTime":458.64,"body":"direct"},{"speaker":"SPEAKER_03","startTime":458.64,"endTime":459.36,"body":"indexing"},{"speaker":"SPEAKER_03","startTime":459.36,"endTime":459.6,"body":"that"},{"speaker":"SPEAKER_03","startTime":459.6,"endTime":460.0,"body":"I'm"},{"speaker":"SPEAKER_03","startTime":460.0,"endTime":460.24,"body":"not"},{"speaker":"SPEAKER_03","startTime":460.24,"endTime":461.04,"body":"entirely"},{"speaker":"SPEAKER_03","startTime":461.04,"endTime":461.92,"body":"familiar"},{"speaker":"SPEAKER_03","startTime":461.92,"endTime":462.24,"body":"with,"},{"speaker":"SPEAKER_03","startTime":462.48,"endTime":462.72,"body":"but"},{"speaker":"SPEAKER_03","startTime":462.88,"endTime":463.6,"body":"seems"},{"speaker":"SPEAKER_03","startTime":463.6,"endTime":463.92,"body":"like"},{"speaker":"SPEAKER_03","startTime":464.56,"endTime":464.88,"body":"you"},{"speaker":"SPEAKER_03","startTime":464.88,"endTime":465.2,"body":"can"},{"speaker":"SPEAKER_03","startTime":467.44,"endTime":468.0,"body":"short"},{"speaker":"SPEAKER_03","startTime":468.32,"endTime":469.28,"body":"positions"},{"speaker":"SPEAKER_03","startTime":470.24,"endTime":470.56,"body":"to"},{"speaker":"SPEAKER_03","startTime":470.56,"endTime":471.2,"body":"harvest"},{"speaker":"SPEAKER_03","startTime":471.2,"endTime":472.0,"body":"losses"},{"speaker":"SPEAKER_03","startTime":472.0,"endTime":472.4,"body":"during"},{"speaker":"SPEAKER_03","startTime":472.4,"endTime":472.88,"body":"both"},{"speaker":"SPEAKER_03","startTime":472.88,"endTime":473.36,"body":"rising"},{"speaker":"SPEAKER_03","startTime":473.36,"endTime":473.6,"body":"and"},{"speaker":"SPEAKER_03","startTime":473.6,"endTime":474.32,"body":"falling"},{"speaker":"SPEAKER_03","startTime":474.32,"endTime":474.96,"body":"markets."},{"speaker":"SPEAKER_03","startTime":475.68,"endTime":476.0,"body":"I"},{"speaker":"SPEAKER_03","startTime":476.0,"endTime":476.32,"body":"was"},{"speaker":"SPEAKER_03","startTime":476.32,"endTime":476.8,"body":"wondering"},{"speaker":"SPEAKER_03","startTime":476.8,"endTime":477.04,"body":"if"},{"speaker":"SPEAKER_03","startTime":477.04,"endTime":477.36,"body":"you"},{"speaker":"SPEAKER_03","startTime":477.36,"endTime":477.68,"body":"can"},{"speaker":"SPEAKER_03","startTime":478.32,"endTime":478.96,"body":"talk"},{"speaker":"SPEAKER_03","startTime":478.96,"endTime":479.28,"body":"about"},{"speaker":"SPEAKER_03","startTime":479.6,"endTime":480.32,"body":"enhanced"},{"speaker":"SPEAKER_03","startTime":480.32,"endTime":480.88,"body":"direct"},{"speaker":"SPEAKER_03","startTime":480.88,"endTime":481.52,"body":"investing"},{"speaker":"SPEAKER_03","startTime":481.52,"endTime":481.76,"body":"a"},{"speaker":"SPEAKER_03","startTime":481.76,"endTime":482.08,"body":"little"},{"speaker":"SPEAKER_03","startTime":482.08,"endTime":482.4,"body":"bit"},{"speaker":"SPEAKER_03","startTime":482.4,"endTime":482.72,"body":"more"},{"speaker":"SPEAKER_03","startTime":483.28,"endTime":483.6,"body":"and"},{"speaker":"SPEAKER_03","startTime":483.6,"endTime":483.92,"body":"to"},{"speaker":"SPEAKER_03","startTime":484.08,"endTime":484.56,"body":"talk"},{"speaker":"SPEAKER_03","startTime":484.56,"endTime":484.72,"body":"about"},{"speaker":"SPEAKER_03","startTime":484.72,"endTime":484.96,"body":"the"},{"speaker":"SPEAKER_03","startTime":484.96,"endTime":485.6,"body":"potential"},{"speaker":"SPEAKER_03","startTime":485.6,"endTime":485.92,"body":"pros"},{"speaker":"SPEAKER_03","startTime":486.16,"endTime":486.48,"body":"and"},{"speaker":"SPEAKER_03","startTime":486.48,"endTime":486.8,"body":"cons"},{"speaker":"SPEAKER_03","startTime":487.76,"endTime":488.08,"body":"of"},{"speaker":"SPEAKER_03","startTime":488.72,"endTime":489.36,"body":"doing"},{"speaker":"SPEAKER_03","startTime":489.36,"endTime":489.52,"body":"this"},{"speaker":"SPEAKER_03","startTime":489.52,"endTime":489.92,"body":"type"},{"speaker":"SPEAKER_03","startTime":489.92,"endTime":490.24,"body":"of"},{"speaker":"SPEAKER_03","startTime":490.24,"endTime":491.2,"body":"investing."},{"speaker":"SPEAKER_03","startTime":492.24,"endTime":492.56,"body":"I"},{"speaker":"SPEAKER_03","startTime":492.56,"endTime":493.28,"body":"appreciate"},{"speaker":"SPEAKER_03","startTime":493.28,"endTime":493.52,"body":"any"},{"speaker":"SPEAKER_03","startTime":493.52,"endTime":493.92,"body":"thoughts"},{"speaker":"SPEAKER_03","startTime":493.92,"endTime":494.08,"body":"that"},{"speaker":"SPEAKER_03","startTime":494.08,"endTime":494.32,"body":"you"},{"speaker":"SPEAKER_03","startTime":494.32,"endTime":494.56,"body":"may"},{"speaker":"SPEAKER_03","startTime":494.56,"endTime":494.8,"body":"have"},{"speaker":"SPEAKER_03","startTime":494.8,"endTime":495.44,"body":"regarding"},{"speaker":"SPEAKER_03","startTime":495.44,"endTime":495.68,"body":"this"},{"speaker":"SPEAKER_03","startTime":495.68,"endTime":496.16,"body":"topic."},{"speaker":"SPEAKER_03","startTime":496.32,"endTime":496.56,"body":"Thank"},{"speaker":"SPEAKER_03","startTime":496.56,"endTime":496.72,"body":"you."},{"speaker":"SPEAKER_01","startTime":497.28,"endTime":497.52,"body":"I"},{"speaker":"SPEAKER_01","startTime":497.52,"endTime":498.0,"body":"hate"},{"speaker":"SPEAKER_01","startTime":498.0,"endTime":498.24,"body":"it."},{"speaker":"SPEAKER_01","startTime":498.48,"endTime":498.8,"body":"I"},{"speaker":"SPEAKER_01","startTime":498.8,"endTime":499.28,"body":"hate"},{"speaker":"SPEAKER_01","startTime":499.28,"endTime":499.52,"body":"the"},{"speaker":"SPEAKER_01","startTime":499.52,"endTime":500.08,"body":"idea."},{"speaker":"SPEAKER_01","startTime":500.32,"endTime":500.64,"body":"I"},{"speaker":"SPEAKER_01","startTime":500.64,"endTime":500.88,"body":"think"},{"speaker":"SPEAKER_01","startTime":500.88,"endTime":501.2,"body":"it's"},{"speaker":"SPEAKER_01","startTime":501.52,"endTime":501.76,"body":"it"},{"speaker":"SPEAKER_01","startTime":501.76,"endTime":502.08,"body":"just"},{"speaker":"SPEAKER_01","startTime":502.08,"endTime":502.56,"body":"goes"},{"speaker":"SPEAKER_01","startTime":502.56,"endTime":502.8,"body":"to"},{"speaker":"SPEAKER_01","startTime":502.8,"endTime":503.12,"body":"my"},{"speaker":"SPEAKER_01","startTime":503.12,"endTime":503.52,"body":"general"},{"speaker":"SPEAKER_01","startTime":503.52,"endTime":503.92,"body":"belief"},{"speaker":"SPEAKER_01","startTime":503.92,"endTime":504.16,"body":"that"},{"speaker":"SPEAKER_01","startTime":504.16,"endTime":504.64,"body":"Wall"},{"speaker":"SPEAKER_01","startTime":504.64,"endTime":505.04,"body":"Street"},{"speaker":"SPEAKER_01","startTime":505.28,"endTime":505.76,"body":"financial"},{"speaker":"SPEAKER_01","startTime":505.76,"endTime":506.08,"body":"firms,"},{"speaker":"SPEAKER_01","startTime":506.16,"endTime":506.32,"body":"we"},{"speaker":"SPEAKER_01","startTime":506.32,"endTime":506.48,"body":"just"},{"speaker":"SPEAKER_01","startTime":506.48,"endTime":506.64,"body":"call"},{"speaker":"SPEAKER_01","startTime":506.64,"endTime":506.8,"body":"them"},{"speaker":"SPEAKER_01","startTime":506.8,"endTime":507.04,"body":"Wall"},{"speaker":"SPEAKER_01","startTime":507.04,"endTime":507.36,"body":"Street,"},{"speaker":"SPEAKER_01","startTime":507.6,"endTime":507.84,"body":"that"},{"speaker":"SPEAKER_01","startTime":507.84,"endTime":508.08,"body":"they"},{"speaker":"SPEAKER_01","startTime":508.32,"endTime":508.64,"body":"go"},{"speaker":"SPEAKER_01","startTime":508.64,"endTime":508.96,"body":"to"},{"speaker":"SPEAKER_01","startTime":508.96,"endTime":509.68,"body":"extreme"},{"speaker":"SPEAKER_01","startTime":509.68,"endTime":510.16,"body":"lengths"},{"speaker":"SPEAKER_01","startTime":510.48,"endTime":510.8,"body":"to"},{"speaker":"SPEAKER_01","startTime":510.8,"endTime":511.12,"body":"make"},{"speaker":"SPEAKER_01","startTime":511.12,"endTime":512.08,"body":"investing"},{"speaker":"SPEAKER_01","startTime":512.08,"endTime":512.72,"body":"complex"},{"speaker":"SPEAKER_01","startTime":512.96,"endTime":513.2,"body":"so"},{"speaker":"SPEAKER_01","startTime":513.2,"endTime":513.52,"body":"they"},{"speaker":"SPEAKER_01","startTime":513.52,"endTime":513.76,"body":"make"},{"speaker":"SPEAKER_01","startTime":513.76,"endTime":514.56,"body":"themselves"},{"speaker":"SPEAKER_01","startTime":514.56,"endTime":515.2,"body":"valuable."},{"speaker":"SPEAKER_01","startTime":515.36,"endTime":515.6,"body":"Now,"},{"speaker":"SPEAKER_01","startTime":515.68,"endTime":515.92,"body":"this"},{"speaker":"SPEAKER_01","startTime":515.92,"endTime":516.16,"body":"is"},{"speaker":"SPEAKER_01","startTime":516.16,"endTime":516.56,"body":"probably"},{"speaker":"SPEAKER_01","startTime":516.56,"endTime":516.88,"body":"something"},{"speaker":"SPEAKER_01","startTime":516.88,"endTime":517.2,"body":"you've"},{"speaker":"SPEAKER_01","startTime":517.2,"endTime":517.6,"body":"heard"},{"speaker":"SPEAKER_01","startTime":517.6,"endTime":517.76,"body":"about"},{"speaker":"SPEAKER_01","startTime":517.76,"endTime":518.48,"body":"recently"},{"speaker":"SPEAKER_01","startTime":518.48,"endTime":518.64,"body":"from"},{"speaker":"SPEAKER_01","startTime":518.64,"endTime":518.8,"body":"a"},{"speaker":"SPEAKER_01","startTime":518.8,"endTime":519.04,"body":"company"},{"speaker":"SPEAKER_01","startTime":519.04,"endTime":519.44,"body":"called"},{"speaker":"SPEAKER_01","startTime":519.44,"endTime":520.16,"body":"AQR,"},{"speaker":"SPEAKER_01","startTime":520.48,"endTime":520.64,"body":"a"},{"speaker":"SPEAKER_01","startTime":520.64,"endTime":521.28,"body":"company"},{"speaker":"SPEAKER_01","startTime":521.28,"endTime":521.52,"body":"that"},{"speaker":"SPEAKER_01","startTime":521.52,"endTime":521.76,"body":"we"},{"speaker":"SPEAKER_01","startTime":521.76,"endTime":522.08,"body":"once"},{"speaker":"SPEAKER_01","startTime":522.08,"endTime":522.32,"body":"looked"},{"speaker":"SPEAKER_01","startTime":522.32,"endTime":522.56,"body":"at"},{"speaker":"SPEAKER_01","startTime":522.56,"endTime":522.8,"body":"working"},{"speaker":"SPEAKER_01","startTime":522.8,"endTime":522.96,"body":"with"},{"speaker":"SPEAKER_01","startTime":523.04,"endTime":523.2,"body":"that"},{"speaker":"SPEAKER_01","startTime":523.36,"endTime":523.68,"body":"just"},{"speaker":"SPEAKER_01","startTime":523.68,"endTime":523.92,"body":"is"},{"speaker":"SPEAKER_01","startTime":524.48,"endTime":524.96,"body":"making"},{"speaker":"SPEAKER_01","startTime":524.96,"endTime":525.12,"body":"me"},{"speaker":"SPEAKER_01","startTime":525.12,"endTime":525.52,"body":"angry"},{"speaker":"SPEAKER_01","startTime":525.52,"endTime":525.68,"body":"at"},{"speaker":"SPEAKER_01","startTime":525.68,"endTime":526.08,"body":"every"},{"speaker":"SPEAKER_01","startTime":526.08,"endTime":526.32,"body":"turn"},{"speaker":"SPEAKER_01","startTime":526.48,"endTime":526.72,"body":"because"},{"speaker":"SPEAKER_01","startTime":526.72,"endTime":527.04,"body":"they're"},{"speaker":"SPEAKER_01","startTime":527.2,"endTime":527.44,"body":"they're"},{"speaker":"SPEAKER_01","startTime":527.6,"endTime":528.08,"body":"they're"},{"speaker":"SPEAKER_01","startTime":528.08,"endTime":528.4,"body":"really"},{"speaker":"SPEAKER_01","startTime":528.4,"endTime":529.12,"body":"muddying"},{"speaker":"SPEAKER_01","startTime":529.12,"endTime":529.28,"body":"the"},{"speaker":"SPEAKER_01","startTime":529.28,"endTime":529.84,"body":"investing"},{"speaker":"SPEAKER_01","startTime":529.84,"endTime":530.24,"body":"water,"},{"speaker":"SPEAKER_01","startTime":530.32,"endTime":530.56,"body":"and"},{"speaker":"SPEAKER_01","startTime":530.56,"endTime":530.72,"body":"I"},{"speaker":"SPEAKER_01","startTime":530.72,"endTime":530.88,"body":"think"},{"speaker":"SPEAKER_01","startTime":530.88,"endTime":531.2,"body":"they're"},{"speaker":"SPEAKER_01","startTime":531.2,"endTime":531.52,"body":"doing"},{"speaker":"SPEAKER_01","startTime":531.52,"endTime":531.76,"body":"it"},{"speaker":"SPEAKER_01","startTime":531.76,"endTime":531.92,"body":"because"},{"speaker":"SPEAKER_01","startTime":531.92,"endTime":532.24,"body":"they"},{"speaker":"SPEAKER_01","startTime":532.24,"endTime":532.56,"body":"love"},{"speaker":"SPEAKER_01","startTime":532.56,"endTime":532.72,"body":"their"},{"speaker":"SPEAKER_01","startTime":532.72,"endTime":533.52,"body":"ridiculously"},{"speaker":"SPEAKER_01","startTime":533.52,"endTime":533.92,"body":"high"},{"speaker":"SPEAKER_01","startTime":533.92,"endTime":534.56,"body":"fees."},{"speaker":"SPEAKER_01","startTime":535.28,"endTime":535.6,"body":"There"},{"speaker":"SPEAKER_01","startTime":535.6,"endTime":535.76,"body":"are"},{"speaker":"SPEAKER_01","startTime":535.76,"endTime":536.16,"body":"others"},{"speaker":"SPEAKER_01","startTime":536.16,"endTime":536.48,"body":"doing"},{"speaker":"SPEAKER_01","startTime":536.48,"endTime":536.64,"body":"it."},{"speaker":"SPEAKER_01","startTime":540.0,"endTime":540.24,"body":"I"},{"speaker":"SPEAKER_01","startTime":540.24,"endTime":540.48,"body":"just"},{"speaker":"SPEAKER_01","startTime":540.48,"endTime":541.04,"body":"hate"},{"speaker":"SPEAKER_01","startTime":541.04,"endTime":541.36,"body":"that"},{"speaker":"SPEAKER_01","startTime":541.36,"endTime":541.68,"body":"term."},{"speaker":"SPEAKER_01","startTime":542.48,"endTime":543.04,"body":"There's"},{"speaker":"SPEAKER_01","startTime":543.04,"endTime":543.52,"body":"direct"},{"speaker":"SPEAKER_01","startTime":543.52,"endTime":544.16,"body":"indexing,"},{"speaker":"SPEAKER_01","startTime":544.24,"endTime":544.4,"body":"and"},{"speaker":"SPEAKER_01","startTime":544.4,"endTime":544.64,"body":"then"},{"speaker":"SPEAKER_01","startTime":544.64,"endTime":545.04,"body":"there's"},{"speaker":"SPEAKER_01","startTime":545.04,"endTime":545.52,"body":"direct"},{"speaker":"SPEAKER_01","startTime":545.52,"endTime":546.08,"body":"indexing"},{"speaker":"SPEAKER_01","startTime":546.32,"endTime":546.64,"body":"where"},{"speaker":"SPEAKER_01","startTime":546.64,"endTime":546.96,"body":"you"},{"speaker":"SPEAKER_01","startTime":547.76,"endTime":548.08,"body":"sell,"},{"speaker":"SPEAKER_01","startTime":548.48,"endTime":548.72,"body":"tax"},{"speaker":"SPEAKER_01","startTime":548.96,"endTime":549.28,"body":"loss"},{"speaker":"SPEAKER_01","startTime":549.52,"endTime":549.76,"body":"sell"},{"speaker":"SPEAKER_01","startTime":549.84,"endTime":550.4,"body":"sometimes,"},{"speaker":"SPEAKER_01","startTime":550.56,"endTime":550.8,"body":"and"},{"speaker":"SPEAKER_01","startTime":550.8,"endTime":550.96,"body":"then"},{"speaker":"SPEAKER_01","startTime":550.96,"endTime":551.36,"body":"there's"},{"speaker":"SPEAKER_01","startTime":551.36,"endTime":551.52,"body":"this,"},{"speaker":"SPEAKER_01","startTime":551.68,"endTime":551.84,"body":"which"},{"speaker":"SPEAKER_01","startTime":551.84,"endTime":552.0,"body":"is"},{"speaker":"SPEAKER_01","startTime":552.0,"endTime":552.24,"body":"an"},{"speaker":"SPEAKER_01","startTime":552.24,"endTime":552.88,"body":"active"},{"speaker":"SPEAKER_01","startTime":552.88,"endTime":553.52,"body":"strategy"},{"speaker":"SPEAKER_01","startTime":553.84,"endTime":554.16,"body":"that"},{"speaker":"SPEAKER_01","startTime":554.16,"endTime":554.48,"body":"is"},{"speaker":"SPEAKER_01","startTime":554.8,"endTime":555.12,"body":"really"},{"speaker":"SPEAKER_01","startTime":555.36,"endTime":556.32,"body":"expensive,"},{"speaker":"SPEAKER_01","startTime":556.64,"endTime":556.96,"body":"not"},{"speaker":"SPEAKER_01","startTime":556.96,"endTime":557.52,"body":"worth"},{"speaker":"SPEAKER_01","startTime":557.52,"endTime":557.68,"body":"it"},{"speaker":"SPEAKER_01","startTime":557.84,"endTime":558.16,"body":"for"},{"speaker":"SPEAKER_01","startTime":558.32,"endTime":558.56,"body":"I"},{"speaker":"SPEAKER_01","startTime":558.56,"endTime":558.72,"body":"I"},{"speaker":"SPEAKER_01","startTime":558.72,"endTime":558.96,"body":"don't"},{"speaker":"SPEAKER_01","startTime":559.04,"endTime":559.28,"body":"I"},{"speaker":"SPEAKER_01","startTime":559.28,"endTime":559.44,"body":"I"},{"speaker":"SPEAKER_01","startTime":559.44,"endTime":559.68,"body":"can't"},{"speaker":"SPEAKER_01","startTime":559.68,"endTime":559.84,"body":"even"},{"speaker":"SPEAKER_01","startTime":559.84,"endTime":560.0,"body":"think"},{"speaker":"SPEAKER_01","startTime":560.0,"endTime":560.24,"body":"of"},{"speaker":"SPEAKER_01","startTime":560.24,"endTime":560.64,"body":"anybody"},{"speaker":"SPEAKER_01","startTime":560.64,"endTime":560.88,"body":"for"},{"speaker":"SPEAKER_01","startTime":560.88,"endTime":561.2,"body":"whom"},{"speaker":"SPEAKER_01","startTime":561.2,"endTime":561.6,"body":"it's"},{"speaker":"SPEAKER_01","startTime":561.6,"endTime":562.16,"body":"worth"},{"speaker":"SPEAKER_01","startTime":562.16,"endTime":562.64,"body":"doing."},{"speaker":"SPEAKER_01","startTime":562.8,"endTime":562.88,"body":"I"},{"speaker":"SPEAKER_01","startTime":562.88,"endTime":563.28,"body":"can't"},{"speaker":"SPEAKER_01","startTime":563.28,"endTime":563.44,"body":"think"},{"speaker":"SPEAKER_01","startTime":563.44,"endTime":563.68,"body":"of"},{"speaker":"SPEAKER_01","startTime":563.68,"endTime":564.4,"body":"anybody."},{"speaker":"SPEAKER_01","startTime":564.64,"endTime":564.8,"body":"Uh,"},{"speaker":"SPEAKER_01","startTime":564.96,"endTime":565.36,"body":"unless"},{"speaker":"SPEAKER_01","startTime":565.36,"endTime":565.6,"body":"your"},{"speaker":"SPEAKER_01","startTime":565.6,"endTime":566.24,"body":"portfolio"},{"speaker":"SPEAKER_01","startTime":566.24,"endTime":566.4,"body":"is"},{"speaker":"SPEAKER_01","startTime":566.4,"endTime":567.04,"body":"gigantically"},{"speaker":"SPEAKER_01","startTime":567.04,"endTime":567.28,"body":"large,"},{"speaker":"SPEAKER_01","startTime":567.36,"endTime":567.52,"body":"you"},{"speaker":"SPEAKER_01","startTime":567.52,"endTime":567.76,"body":"shouldn't"},{"speaker":"SPEAKER_01","startTime":567.76,"endTime":567.84,"body":"be"},{"speaker":"SPEAKER_01","startTime":567.84,"endTime":568.08,"body":"looking"},{"speaker":"SPEAKER_01","startTime":568.08,"endTime":568.24,"body":"at"},{"speaker":"SPEAKER_01","startTime":568.24,"endTime":568.64,"body":"direct"},{"speaker":"SPEAKER_01","startTime":568.64,"endTime":569.2,"body":"indexing"},{"speaker":"SPEAKER_01","startTime":569.36,"endTime":569.92,"body":"anyway."},{"speaker":"SPEAKER_01","startTime":570.08,"endTime":570.48,"body":"There's"},{"speaker":"SPEAKER_01","startTime":570.48,"endTime":570.8,"body":"no"},{"speaker":"SPEAKER_01","startTime":570.8,"endTime":571.12,"body":"need"},{"speaker":"SPEAKER_01","startTime":571.12,"endTime":571.44,"body":"for"},{"speaker":"SPEAKER_01","startTime":571.44,"endTime":571.76,"body":"it."},{"speaker":"SPEAKER_01","startTime":573.12,"endTime":573.36,"body":"Do"},{"speaker":"SPEAKER_01","startTime":573.6,"endTime":573.92,"body":"do"},{"speaker":"SPEAKER_01","startTime":573.92,"endTime":574.08,"body":"your"},{"speaker":"SPEAKER_01","startTime":574.08,"endTime":574.4,"body":"own"},{"speaker":"SPEAKER_01","startTime":574.4,"endTime":575.04,"body":"enhanced"},{"speaker":"SPEAKER_01","startTime":575.04,"endTime":575.76,"body":"indexing"},{"speaker":"SPEAKER_01","startTime":575.76,"endTime":576.0,"body":"by"},{"speaker":"SPEAKER_01","startTime":576.0,"endTime":577.2,"body":"overweighting"},{"speaker":"SPEAKER_01","startTime":577.44,"endTime":577.92,"body":"small"},{"speaker":"SPEAKER_01","startTime":577.92,"endTime":578.32,"body":"caps"},{"speaker":"SPEAKER_01","startTime":578.32,"endTime":578.48,"body":"in"},{"speaker":"SPEAKER_01","startTime":578.48,"endTime":578.88,"body":"value"},{"speaker":"SPEAKER_01","startTime":578.88,"endTime":579.12,"body":"and"},{"speaker":"SPEAKER_01","startTime":579.12,"endTime":579.44,"body":"some"},{"speaker":"SPEAKER_01","startTime":579.44,"endTime":580.08,"body":"international."},{"speaker":"SPEAKER_01","startTime":580.8,"endTime":581.2,"body":"These"},{"speaker":"SPEAKER_01","startTime":581.2,"endTime":581.52,"body":"things"},{"speaker":"SPEAKER_01","startTime":581.52,"endTime":581.76,"body":"are"},{"speaker":"SPEAKER_01","startTime":581.76,"endTime":581.92,"body":"so"},{"speaker":"SPEAKER_01","startTime":581.92,"endTime":582.4,"body":"dangerous."},{"speaker":"SPEAKER_01","startTime":582.48,"endTime":582.64,"body":"This"},{"speaker":"SPEAKER_01","startTime":582.64,"endTime":582.8,"body":"is"},{"speaker":"SPEAKER_01","startTime":582.8,"endTime":583.04,"body":"actually"},{"speaker":"SPEAKER_01","startTime":583.04,"endTime":583.36,"body":"something"},{"speaker":"SPEAKER_01","startTime":583.36,"endTime":583.52,"body":"we"},{"speaker":"SPEAKER_01","startTime":583.52,"endTime":583.68,"body":"were"},{"speaker":"SPEAKER_01","startTime":583.68,"endTime":583.84,"body":"going"},{"speaker":"SPEAKER_01","startTime":583.84,"endTime":583.92,"body":"to"},{"speaker":"SPEAKER_01","startTime":583.92,"endTime":584.08,"body":"talk"},{"speaker":"SPEAKER_01","startTime":584.08,"endTime":584.24,"body":"about"},{"speaker":"SPEAKER_01","startTime":584.24,"endTime":584.4,"body":"on"},{"speaker":"SPEAKER_01","startTime":584.4,"endTime":584.56,"body":"a"},{"speaker":"SPEAKER_01","startTime":584.56,"endTime":585.04,"body":"future"},{"speaker":"SPEAKER_01","startTime":585.04,"endTime":585.36,"body":"program."},{"speaker":"SPEAKER_01","startTime":585.76,"endTime":586.0,"body":"These"},{"speaker":"SPEAKER_01","startTime":586.0,"endTime":586.4,"body":"things"},{"speaker":"SPEAKER_01","startTime":586.4,"endTime":586.64,"body":"are"},{"speaker":"SPEAKER_01","startTime":586.64,"endTime":586.88,"body":"so"},{"speaker":"SPEAKER_01","startTime":586.88,"endTime":587.44,"body":"dangerous"},{"speaker":"SPEAKER_01","startTime":587.52,"endTime":588.24,"body":"potentially"},{"speaker":"SPEAKER_01","startTime":588.4,"endTime":588.64,"body":"that"},{"speaker":"SPEAKER_01","startTime":588.64,"endTime":589.12,"body":"Charles"},{"speaker":"SPEAKER_01","startTime":589.12,"endTime":589.76,"body":"Schwab"},{"speaker":"SPEAKER_01","startTime":590.08,"endTime":590.32,"body":"has"},{"speaker":"SPEAKER_01","startTime":590.32,"endTime":591.04,"body":"introduced"},{"speaker":"SPEAKER_01","startTime":591.04,"endTime":591.36,"body":"new"},{"speaker":"SPEAKER_01","startTime":591.36,"endTime":592.0,"body":"limits"},{"speaker":"SPEAKER_01","startTime":592.24,"endTime":592.48,"body":"on"},{"speaker":"SPEAKER_01","startTime":592.48,"endTime":593.04,"body":"clients"},{"speaker":"SPEAKER_01","startTime":593.04,"endTime":593.36,"body":"looking"},{"speaker":"SPEAKER_01","startTime":593.36,"endTime":593.44,"body":"to"},{"speaker":"SPEAKER_01","startTime":594.24,"endTime":594.56,"body":"do"},{"speaker":"SPEAKER_01","startTime":594.56,"endTime":594.8,"body":"this,"},{"speaker":"SPEAKER_01","startTime":594.96,"endTime":595.2,"body":"this"},{"speaker":"SPEAKER_01","startTime":595.2,"endTime":595.44,"body":"long"},{"speaker":"SPEAKER_01","startTime":595.52,"endTime":595.84,"body":"short,"},{"speaker":"SPEAKER_01","startTime":596.0,"endTime":596.32,"body":"this"},{"speaker":"SPEAKER_01","startTime":596.32,"endTime":596.56,"body":"very"},{"speaker":"SPEAKER_01","startTime":596.56,"endTime":596.96,"body":"same"},{"speaker":"SPEAKER_01","startTime":596.96,"endTime":597.28,"body":"long"},{"speaker":"SPEAKER_01","startTime":597.36,"endTime":597.84,"body":"short"},{"speaker":"SPEAKER_01","startTime":597.84,"endTime":598.32,"body":"strategy"},{"speaker":"SPEAKER_01","startTime":598.32,"endTime":598.64,"body":"being"},{"speaker":"SPEAKER_01","startTime":598.64,"endTime":599.04,"body":"proposed"},{"speaker":"SPEAKER_01","startTime":599.04,"endTime":599.2,"body":"and"},{"speaker":"SPEAKER_01","startTime":599.2,"endTime":600.0,"body":"pioneered"},{"speaker":"SPEAKER_01","startTime":600.0,"endTime":600.24,"body":"by"},{"speaker":"SPEAKER_01","startTime":600.24,"endTime":601.2,"body":"AQR."},{"speaker":"SPEAKER_01","startTime":601.6,"endTime":601.76,"body":"A"},{"speaker":"SPEAKER_01","startTime":601.76,"endTime":601.92,"body":"few"},{"speaker":"SPEAKER_01","startTime":601.92,"endTime":602.16,"body":"months"},{"speaker":"SPEAKER_01","startTime":602.16,"endTime":602.4,"body":"ago,"},{"speaker":"SPEAKER_01","startTime":602.56,"endTime":603.44,"body":"Fidelity"},{"speaker":"SPEAKER_01","startTime":603.44,"endTime":603.84,"body":"stopped"},{"speaker":"SPEAKER_01","startTime":603.84,"endTime":604.24,"body":"opening"},{"speaker":"SPEAKER_01","startTime":604.24,"endTime":604.48,"body":"new"},{"speaker":"SPEAKER_01","startTime":604.48,"endTime":605.28,"body":"accounts"},{"speaker":"SPEAKER_01","startTime":605.28,"endTime":605.6,"body":"for"},{"speaker":"SPEAKER_01","startTime":605.6,"endTime":605.92,"body":"these"},{"speaker":"SPEAKER_01","startTime":605.92,"endTime":606.56,"body":"strategies"},{"speaker":"SPEAKER_01","startTime":607.2,"endTime":607.52,"body":"because"},{"speaker":"SPEAKER_01","startTime":607.76,"endTime":608.08,"body":"they"},{"speaker":"SPEAKER_01","startTime":608.08,"endTime":608.64,"body":"believe"},{"speaker":"SPEAKER_01","startTime":608.64,"endTime":608.88,"body":"that"},{"speaker":"SPEAKER_01","startTime":608.88,"endTime":609.12,"body":"the"},{"speaker":"SPEAKER_01","startTime":609.12,"endTime":609.6,"body":"risks"},{"speaker":"SPEAKER_01","startTime":609.6,"endTime":609.76,"body":"are"},{"speaker":"SPEAKER_01","startTime":609.76,"endTime":610.0,"body":"high."},{"speaker":"SPEAKER_01","startTime":610.16,"endTime":610.56,"body":"You've"},{"speaker":"SPEAKER_01","startTime":610.56,"endTime":610.8,"body":"got,"},{"speaker":"SPEAKER_01","startTime":610.88,"endTime":611.04,"body":"if"},{"speaker":"SPEAKER_01","startTime":611.04,"endTime":611.28,"body":"it's"},{"speaker":"SPEAKER_01","startTime":611.36,"endTime":611.52,"body":"if"},{"speaker":"SPEAKER_01","startTime":611.52,"endTime":612.0,"body":"you're,"},{"speaker":"SPEAKER_01","startTime":612.16,"endTime":612.4,"body":"and"},{"speaker":"SPEAKER_01","startTime":612.4,"endTime":612.56,"body":"I"},{"speaker":"SPEAKER_01","startTime":612.56,"endTime":612.8,"body":"don't"},{"speaker":"SPEAKER_01","startTime":612.8,"endTime":612.96,"body":"want"},{"speaker":"SPEAKER_01","startTime":612.96,"endTime":613.2,"body":"to"},{"speaker":"SPEAKER_01","startTime":613.2,"endTime":613.52,"body":"get"},{"speaker":"SPEAKER_01","startTime":613.52,"endTime":613.84,"body":"really"},{"speaker":"SPEAKER_01","startTime":614.08,"endTime":614.4,"body":"into"},{"speaker":"SPEAKER_01","startTime":614.64,"endTime":614.96,"body":"the"},{"speaker":"SPEAKER_01","startTime":614.96,"endTime":615.6,"body":"weeds."},{"speaker":"SPEAKER_01","startTime":616.72,"endTime":617.04,"body":"Um,"},{"speaker":"SPEAKER_01","startTime":617.68,"endTime":618.0,"body":"but"},{"speaker":"SPEAKER_01","startTime":618.32,"endTime":618.64,"body":"if"},{"speaker":"SPEAKER_01","startTime":618.64,"endTime":618.96,"body":"you"},{"speaker":"SPEAKER_01","startTime":618.96,"endTime":619.28,"body":"do"},{"speaker":"SPEAKER_01","startTime":619.44,"endTime":619.6,"body":"one"},{"speaker":"SPEAKER_01","startTime":619.6,"endTime":619.84,"body":"of"},{"speaker":"SPEAKER_01","startTime":619.84,"endTime":620.0,"body":"these"},{"speaker":"SPEAKER_01","startTime":620.0,"endTime":620.56,"body":"strategies,"},{"speaker":"SPEAKER_01","startTime":620.64,"endTime":620.96,"body":"they're"},{"speaker":"SPEAKER_01","startTime":620.96,"endTime":621.44,"body":"typically"},{"speaker":"SPEAKER_01","startTime":621.44,"endTime":621.76,"body":"like"},{"speaker":"SPEAKER_01","startTime":621.76,"endTime":622.64,"body":"130%"},{"speaker":"SPEAKER_01","startTime":623.2,"endTime":623.52,"body":"long,"},{"speaker":"SPEAKER_01","startTime":623.68,"endTime":623.92,"body":"which"},{"speaker":"SPEAKER_01","startTime":623.92,"endTime":624.16,"body":"means"},{"speaker":"SPEAKER_01","startTime":624.16,"endTime":624.4,"body":"you"},{"speaker":"SPEAKER_01","startTime":624.4,"endTime":624.72,"body":"borrow"},{"speaker":"SPEAKER_01","startTime":624.72,"endTime":624.96,"body":"money"},{"speaker":"SPEAKER_01","startTime":624.96,"endTime":625.12,"body":"to"},{"speaker":"SPEAKER_01","startTime":625.12,"endTime":625.44,"body":"buy"},{"speaker":"SPEAKER_01","startTime":625.44,"endTime":625.76,"body":"stock,"},{"speaker":"SPEAKER_01","startTime":625.84,"endTime":626.08,"body":"and"},{"speaker":"SPEAKER_01","startTime":626.08,"endTime":626.32,"body":"then"},{"speaker":"SPEAKER_01","startTime":626.32,"endTime":626.72,"body":"short"},{"speaker":"SPEAKER_01","startTime":626.72,"endTime":627.12,"body":"30%."},{"speaker":"SPEAKER_01","startTime":627.76,"endTime":628.08,"body":"So"},{"speaker":"SPEAKER_01","startTime":628.32,"endTime":629.12,"body":"that's"},{"speaker":"SPEAKER_01","startTime":629.12,"endTime":629.44,"body":"this"},{"speaker":"SPEAKER_01","startTime":631.28,"endTime":631.92,"body":"huge"},{"speaker":"SPEAKER_01","startTime":631.92,"endTime":632.88,"body":"exposure."},{"speaker":"SPEAKER_01","startTime":633.68,"endTime":634.0,"body":"It"},{"speaker":"SPEAKER_01","startTime":634.0,"endTime":634.64,"body":"feels"},{"speaker":"SPEAKER_01","startTime":634.64,"endTime":634.96,"body":"like"},{"speaker":"SPEAKER_01","startTime":634.96,"endTime":635.28,"body":"it"},{"speaker":"SPEAKER_01","startTime":635.28,"endTime":635.44,"body":"can"},{"speaker":"SPEAKER_01","startTime":635.44,"endTime":635.68,"body":"be"},{"speaker":"SPEAKER_01","startTime":635.68,"endTime":636.24,"body":"managed,"},{"speaker":"SPEAKER_01","startTime":636.48,"endTime":636.8,"body":"but"},{"speaker":"SPEAKER_01","startTime":638.56,"endTime":638.88,"body":"the"},{"speaker":"SPEAKER_01","startTime":638.88,"endTime":639.2,"body":"market"},{"speaker":"SPEAKER_01","startTime":639.36,"endTime":640.08,"body":"surprises"},{"speaker":"SPEAKER_01","startTime":640.08,"endTime":640.24,"body":"us"},{"speaker":"SPEAKER_01","startTime":640.4,"endTime":640.72,"body":"and"},{"speaker":"SPEAKER_01","startTime":640.72,"endTime":641.04,"body":"has"},{"speaker":"SPEAKER_01","startTime":641.36,"endTime":641.68,"body":"over"},{"speaker":"SPEAKER_01","startTime":641.84,"endTime":642.16,"body":"and"},{"speaker":"SPEAKER_01","startTime":642.16,"endTime":642.48,"body":"over"},{"speaker":"SPEAKER_01","startTime":642.48,"endTime":642.8,"body":"and"},{"speaker":"SPEAKER_01","startTime":642.8,"endTime":643.12,"body":"over"},{"speaker":"SPEAKER_01","startTime":643.12,"endTime":643.6,"body":"again"},{"speaker":"SPEAKER_01","startTime":643.68,"endTime":644.08,"body":"since"},{"speaker":"SPEAKER_01","startTime":644.08,"endTime":644.32,"body":"the"},{"speaker":"SPEAKER_01","startTime":644.32,"endTime":644.96,"body":"beginning"},{"speaker":"SPEAKER_01","startTime":644.96,"endTime":645.28,"body":"of"},{"speaker":"SPEAKER_01","startTime":645.28,"endTime":645.6,"body":"time."},{"speaker":"SPEAKER_01","startTime":645.84,"endTime":646.0,"body":"I"},{"speaker":"SPEAKER_01","startTime":646.0,"endTime":646.16,"body":"mean,"},{"speaker":"SPEAKER_01","startTime":646.24,"endTime":646.48,"body":"it"},{"speaker":"SPEAKER_01","startTime":646.48,"endTime":646.88,"body":"sounds"},{"speaker":"SPEAKER_01","startTime":646.88,"endTime":647.12,"body":"great."},{"speaker":"SPEAKER_01","startTime":647.2,"endTime":647.52,"body":"We"},{"speaker":"SPEAKER_01","startTime":647.52,"endTime":647.92,"body":"generate"},{"speaker":"SPEAKER_01","startTime":648.4,"endTime":648.72,"body":"losses"},{"speaker":"SPEAKER_01","startTime":648.72,"endTime":648.88,"body":"to"},{"speaker":"SPEAKER_01","startTime":648.88,"endTime":649.28,"body":"offset"},{"speaker":"SPEAKER_01","startTime":649.28,"endTime":649.44,"body":"your"},{"speaker":"SPEAKER_01","startTime":649.44,"endTime":649.84,"body":"taxes,"},{"speaker":"SPEAKER_01","startTime":650.0,"endTime":650.24,"body":"you're"},{"speaker":"SPEAKER_01","startTime":650.24,"endTime":650.56,"body":"making"},{"speaker":"SPEAKER_01","startTime":650.56,"endTime":651.04,"body":"free"},{"speaker":"SPEAKER_01","startTime":651.04,"endTime":651.84,"body":"money."},{"speaker":"SPEAKER_01","startTime":654.16,"endTime":654.48,"body":"These"},{"speaker":"SPEAKER_01","startTime":654.48,"endTime":655.12,"body":"strategies"},{"speaker":"SPEAKER_01","startTime":655.12,"endTime":655.36,"body":"were"},{"speaker":"SPEAKER_01","startTime":655.36,"endTime":655.92,"body":"originally"},{"speaker":"SPEAKER_01","startTime":655.92,"endTime":656.24,"body":"for"},{"speaker":"SPEAKER_01","startTime":656.24,"endTime":656.72,"body":"institutions"},{"speaker":"SPEAKER_01","startTime":656.72,"endTime":656.88,"body":"and"},{"speaker":"SPEAKER_01","startTime":656.88,"endTime":657.12,"body":"high"},{"speaker":"SPEAKER_01","startTime":657.12,"endTime":657.36,"body":"net"},{"speaker":"SPEAKER_01","startTime":657.36,"endTime":657.68,"body":"worth."},{"speaker":"SPEAKER_01","startTime":657.84,"endTime":658.16,"body":"They're"},{"speaker":"SPEAKER_01","startTime":658.16,"endTime":658.4,"body":"not"},{"speaker":"SPEAKER_01","startTime":658.4,"endTime":658.72,"body":"for"},{"speaker":"SPEAKER_01","startTime":658.72,"endTime":659.04,"body":"people"},{"speaker":"SPEAKER_01","startTime":659.04,"endTime":659.36,"body":"like"},{"speaker":"SPEAKER_01","startTime":659.68,"endTime":660.0,"body":"us"},{"speaker":"SPEAKER_01","startTime":660.24,"endTime":660.56,"body":"who"},{"speaker":"SPEAKER_01","startTime":660.56,"endTime":660.88,"body":"have"},{"speaker":"SPEAKER_01","startTime":661.12,"endTime":661.6,"body":"hundreds"},{"speaker":"SPEAKER_01","startTime":661.6,"endTime":661.76,"body":"of"},{"speaker":"SPEAKER_01","startTime":661.76,"endTime":662.08,"body":"thousands"},{"speaker":"SPEAKER_01","startTime":662.16,"endTime":662.32,"body":"or"},{"speaker":"SPEAKER_01","startTime":662.32,"endTime":662.56,"body":"maybe"},{"speaker":"SPEAKER_01","startTime":662.56,"endTime":662.64,"body":"a"},{"speaker":"SPEAKER_01","startTime":662.64,"endTime":662.96,"body":"couple"},{"speaker":"SPEAKER_01","startTime":662.96,"endTime":663.12,"body":"of"},{"speaker":"SPEAKER_01","startTime":663.12,"endTime":663.36,"body":"million"},{"speaker":"SPEAKER_01","startTime":663.44,"endTime":663.6,"body":"that"},{"speaker":"SPEAKER_01","startTime":663.6,"endTime":663.84,"body":"we've"},{"speaker":"SPEAKER_01","startTime":663.84,"endTime":664.08,"body":"saved"},{"speaker":"SPEAKER_01","startTime":664.16,"endTime":664.4,"body":"and"},{"speaker":"SPEAKER_01","startTime":664.4,"endTime":664.8,"body":"scrimped"},{"speaker":"SPEAKER_01","startTime":664.88,"endTime":664.96,"body":"and"},{"speaker":"SPEAKER_01","startTime":665.04,"endTime":665.36,"body":"saved"},{"speaker":"SPEAKER_01","startTime":665.36,"endTime":665.52,"body":"for"},{"speaker":"SPEAKER_01","startTime":665.52,"endTime":665.76,"body":"all"},{"speaker":"SPEAKER_01","startTime":665.76,"endTime":666.0,"body":"our"},{"speaker":"SPEAKER_01","startTime":666.0,"endTime":666.64,"body":"lives."},{"speaker":"SPEAKER_01","startTime":667.12,"endTime":667.44,"body":"It"},{"speaker":"SPEAKER_01","startTime":667.76,"endTime":668.08,"body":"is"},{"speaker":"SPEAKER_01","startTime":668.72,"endTime":669.52,"body":"potentially"},{"speaker":"SPEAKER_01","startTime":669.52,"endTime":670.08,"body":"dangerous,"},{"speaker":"SPEAKER_01","startTime":670.24,"endTime":670.56,"body":"and"},{"speaker":"SPEAKER_01","startTime":670.56,"endTime":671.12,"body":"Schwab"},{"speaker":"SPEAKER_01","startTime":671.28,"endTime":671.36,"body":"and"},{"speaker":"SPEAKER_01","startTime":671.44,"endTime":672.08,"body":"Fidelity"},{"speaker":"SPEAKER_01","startTime":672.08,"endTime":672.4,"body":"would"},{"speaker":"SPEAKER_01","startTime":672.4,"endTime":672.56,"body":"not"},{"speaker":"SPEAKER_01","startTime":672.56,"endTime":672.72,"body":"be"},{"speaker":"SPEAKER_01","startTime":673.84,"endTime":674.48,"body":"restricting"},{"speaker":"SPEAKER_01","startTime":674.48,"endTime":674.72,"body":"it"},{"speaker":"SPEAKER_01","startTime":674.72,"endTime":675.04,"body":"if"},{"speaker":"SPEAKER_01","startTime":675.04,"endTime":675.28,"body":"they"},{"speaker":"SPEAKER_01","startTime":675.28,"endTime":675.6,"body":"thought"},{"speaker":"SPEAKER_01","startTime":675.6,"endTime":675.76,"body":"so"},{"speaker":"SPEAKER_01","startTime":675.84,"endTime":676.08,"body":"too,"},{"speaker":"SPEAKER_01","startTime":676.16,"endTime":676.4,"body":"because"},{"speaker":"SPEAKER_01","startTime":676.4,"endTime":676.64,"body":"they're"},{"speaker":"SPEAKER_01","startTime":676.64,"endTime":676.8,"body":"just"},{"speaker":"SPEAKER_01","startTime":676.8,"endTime":677.12,"body":"leaving"},{"speaker":"SPEAKER_01","startTime":677.12,"endTime":677.36,"body":"money"},{"speaker":"SPEAKER_01","startTime":677.36,"endTime":677.52,"body":"on"},{"speaker":"SPEAKER_01","startTime":677.52,"endTime":677.6,"body":"the"},{"speaker":"SPEAKER_01","startTime":677.6,"endTime":677.92,"body":"table"},{"speaker":"SPEAKER_01","startTime":677.92,"endTime":678.08,"body":"for"},{"speaker":"SPEAKER_01","startTime":678.08,"endTime":678.56,"body":"themselves,"},{"speaker":"SPEAKER_01","startTime":678.64,"endTime":678.88,"body":"but"},{"speaker":"SPEAKER_01","startTime":678.88,"endTime":679.04,"body":"they"},{"speaker":"SPEAKER_01","startTime":679.04,"endTime":679.2,"body":"don't"},{"speaker":"SPEAKER_01","startTime":679.2,"endTime":679.36,"body":"want"},{"speaker":"SPEAKER_01","startTime":679.36,"endTime":679.44,"body":"the"},{"speaker":"SPEAKER_01","startTime":679.44,"endTime":679.84,"body":"headaches"},{"speaker":"SPEAKER_01","startTime":680.0,"endTime":680.16,"body":"that"},{"speaker":"SPEAKER_01","startTime":680.16,"endTime":680.32,"body":"could"},{"speaker":"SPEAKER_01","startTime":680.32,"endTime":680.48,"body":"come"},{"speaker":"SPEAKER_01","startTime":680.48,"endTime":680.72,"body":"from"},{"speaker":"SPEAKER_01","startTime":680.72,"endTime":680.88,"body":"it,"},{"speaker":"SPEAKER_01","startTime":681.04,"endTime":681.28,"body":"and"},{"speaker":"SPEAKER_01","startTime":681.28,"endTime":681.44,"body":"you"},{"speaker":"SPEAKER_01","startTime":681.44,"endTime":681.76,"body":"don't"},{"speaker":"SPEAKER_01","startTime":681.76,"endTime":681.92,"body":"want"},{"speaker":"SPEAKER_01","startTime":681.92,"endTime":682.24,"body":"those"},{"speaker":"SPEAKER_01","startTime":682.24,"endTime":682.64,"body":"either."},{"speaker":"SPEAKER_01","startTime":682.88,"endTime":683.36,"body":"Run"},{"speaker":"SPEAKER_01","startTime":683.36,"endTime":683.84,"body":"away."},{"speaker":"SPEAKER_01","startTime":684.0,"endTime":684.32,"body":"Do"},{"speaker":"SPEAKER_01","startTime":684.32,"endTime":684.64,"body":"not"},{"speaker":"SPEAKER_01","startTime":684.64,"endTime":684.96,"body":"even,"},{"speaker":"SPEAKER_01","startTime":685.36,"endTime":685.68,"body":"do"},{"speaker":"SPEAKER_01","startTime":685.68,"endTime":686.0,"body":"not"},{"speaker":"SPEAKER_01","startTime":686.0,"endTime":686.32,"body":"even"},{"speaker":"SPEAKER_01","startTime":686.64,"endTime":686.96,"body":"think"},{"speaker":"SPEAKER_01","startTime":687.28,"endTime":687.6,"body":"about"},{"speaker":"SPEAKER_01","startTime":687.6,"endTime":687.92,"body":"these."},{"speaker":"SPEAKER_01","startTime":688.16,"endTime":688.64,"body":"Thanks"},{"speaker":"SPEAKER_01","startTime":688.64,"endTime":688.8,"body":"for"},{"speaker":"SPEAKER_01","startTime":688.8,"endTime":689.52,"body":"calling."},{"speaker":"SPEAKER_01","startTime":689.76,"endTime":690.0,"body":"And"},{"speaker":"SPEAKER_01","startTime":690.0,"endTime":690.32,"body":"thanks"},{"speaker":"SPEAKER_01","startTime":690.32,"endTime":690.48,"body":"for"},{"speaker":"SPEAKER_01","startTime":690.48,"endTime":690.64,"body":"the"},{"speaker":"SPEAKER_01","startTime":690.64,"endTime":690.88,"body":"question."},{"speaker":"SPEAKER_01","startTime":691.04,"endTime":691.12,"body":"It"},{"speaker":"SPEAKER_01","startTime":691.2,"endTime":691.36,"body":"it"},{"speaker":"SPEAKER_01","startTime":691.52,"endTime":691.76,"body":"was"},{"speaker":"SPEAKER_01","startTime":691.76,"endTime":691.92,"body":"going"},{"speaker":"SPEAKER_01","startTime":691.92,"endTime":692.0,"body":"to"},{"speaker":"SPEAKER_01","startTime":692.0,"endTime":692.08,"body":"be"},{"speaker":"SPEAKER_01","startTime":692.08,"endTime":692.16,"body":"a"},{"speaker":"SPEAKER_01","startTime":692.16,"endTime":692.48,"body":"future"},{"speaker":"SPEAKER_01","startTime":692.48,"endTime":692.8,"body":"topic."},{"speaker":"SPEAKER_01","startTime":692.96,"endTime":693.2,"body":"We'll"},{"speaker":"SPEAKER_01","startTime":693.2,"endTime":693.44,"body":"still"},{"speaker":"SPEAKER_01","startTime":693.44,"endTime":693.6,"body":"do"},{"speaker":"SPEAKER_01","startTime":693.6,"endTime":693.76,"body":"it."},{"speaker":"SPEAKER_01","startTime":693.92,"endTime":694.24,"body":"Thanks"},{"speaker":"SPEAKER_01","startTime":694.24,"endTime":694.4,"body":"so"},{"speaker":"SPEAKER_01","startTime":694.4,"endTime":694.48,"body":"much."},{"speaker":"SPEAKER_01","startTime":694.64,"endTime":694.8,"body":"We"},{"speaker":"SPEAKER_01","startTime":694.8,"endTime":695.12,"body":"appreciate"},{"speaker":"SPEAKER_01","startTime":695.12,"endTime":695.28,"body":"that."},{"speaker":"SPEAKER_01","startTime":695.36,"endTime":695.68,"body":"Let's"},{"speaker":"SPEAKER_01","startTime":695.68,"endTime":695.76,"body":"go"},{"speaker":"SPEAKER_01","startTime":695.76,"endTime":695.92,"body":"to"},{"speaker":"SPEAKER_01","startTime":695.92,"endTime":696.16,"body":"our"},{"speaker":"SPEAKER_01","startTime":696.16,"endTime":696.64,"body":"next"},{"speaker":"SPEAKER_01","startTime":696.64,"endTime":697.12,"body":"question."},{"speaker":"SPEAKER_01","startTime":697.28,"endTime":697.6,"body":"Here"},{"speaker":"SPEAKER_01","startTime":697.6,"endTime":697.68,"body":"it"},{"speaker":"SPEAKER_01","startTime":697.68,"endTime":697.84,"body":"is."},{"speaker":"SPEAKER_01","startTime":698.16,"endTime":698.32,"body":"Hi,"},{"speaker":"SPEAKER_01","startTime":698.48,"endTime":698.64,"body":"Tom"},{"speaker":"SPEAKER_01","startTime":698.72,"endTime":698.96,"body":"and"},{"speaker":"SPEAKER_01","startTime":698.96,"endTime":699.12,"body":"Don."},{"speaker":"SPEAKER_04","startTime":699.36,"endTime":699.52,"body":"This"},{"speaker":"SPEAKER_04","startTime":699.52,"endTime":699.76,"body":"is"},{"speaker":"SPEAKER_04","startTime":699.76,"endTime":700.08,"body":"Dave"},{"speaker":"SPEAKER_04","startTime":700.08,"endTime":700.4,"body":"from"},{"speaker":"SPEAKER_04","startTime":700.4,"endTime":701.12,"body":"Colorado."},{"speaker":"SPEAKER_04","startTime":701.28,"endTime":701.52,"body":"I"},{"speaker":"SPEAKER_04","startTime":701.52,"endTime":701.68,"body":"had"},{"speaker":"SPEAKER_04","startTime":701.68,"endTime":701.84,"body":"a"},{"speaker":"SPEAKER_04","startTime":701.84,"endTime":702.24,"body":"quick"},{"speaker":"SPEAKER_04","startTime":702.24,"endTime":702.88,"body":"question"},{"speaker":"SPEAKER_04","startTime":702.88,"endTime":703.2,"body":"about"},{"speaker":"SPEAKER_04","startTime":703.84,"endTime":704.16,"body":"the"},{"speaker":"SPEAKER_04","startTime":704.16,"endTime":704.8,"body":"newer"},{"speaker":"SPEAKER_04","startTime":705.12,"endTime":705.84,"body":"ETFs"},{"speaker":"SPEAKER_04","startTime":705.84,"endTime":706.16,"body":"by"},{"speaker":"SPEAKER_04","startTime":706.16,"endTime":707.04,"body":"Avantis."},{"speaker":"SPEAKER_04","startTime":707.2,"endTime":707.52,"body":"One"},{"speaker":"SPEAKER_04","startTime":707.52,"endTime":707.76,"body":"is"},{"speaker":"SPEAKER_04","startTime":707.76,"endTime":708.56,"body":"called"},{"speaker":"SPEAKER_04","startTime":708.56,"endTime":710.56,"body":"AVTM."},{"speaker":"SPEAKER_04","startTime":711.2,"endTime":711.36,"body":"Uh,"},{"speaker":"SPEAKER_04","startTime":711.44,"endTime":711.6,"body":"what"},{"speaker":"SPEAKER_04","startTime":711.76,"endTime":711.92,"body":"it"},{"speaker":"SPEAKER_04","startTime":711.92,"endTime":712.08,"body":"is"},{"speaker":"SPEAKER_04","startTime":712.16,"endTime":712.32,"body":"is"},{"speaker":"SPEAKER_04","startTime":712.4,"endTime":712.72,"body":"it's"},{"speaker":"SPEAKER_04","startTime":712.72,"endTime":713.76,"body":"Avantis"},{"speaker":"SPEAKER_04","startTime":713.76,"endTime":714.24,"body":"Total"},{"speaker":"SPEAKER_04","startTime":714.24,"endTime":714.56,"body":"Market"},{"speaker":"SPEAKER_04","startTime":714.8,"endTime":715.6,"body":"ETF."},{"speaker":"SPEAKER_04","startTime":715.92,"endTime":716.32,"body":"When"},{"speaker":"SPEAKER_04","startTime":716.32,"endTime":716.64,"body":"you"},{"speaker":"SPEAKER_04","startTime":716.64,"endTime":716.96,"body":"look"},{"speaker":"SPEAKER_04","startTime":716.96,"endTime":717.6,"body":"inside,"},{"speaker":"SPEAKER_04","startTime":718.32,"endTime":718.56,"body":"it"},{"speaker":"SPEAKER_04","startTime":718.56,"endTime":718.96,"body":"looks"},{"speaker":"SPEAKER_04","startTime":718.96,"endTime":719.12,"body":"like"},{"speaker":"SPEAKER_04","startTime":719.12,"endTime":719.44,"body":"it's"},{"speaker":"SPEAKER_04","startTime":719.44,"endTime":719.84,"body":"almost"},{"speaker":"SPEAKER_04","startTime":719.84,"endTime":720.08,"body":"a"},{"speaker":"SPEAKER_04","startTime":720.08,"endTime":720.72,"body":"direct"},{"speaker":"SPEAKER_04","startTime":720.72,"endTime":721.68,"body":"indexing"},{"speaker":"SPEAKER_04","startTime":722.24,"endTime":722.88,"body":"type"},{"speaker":"SPEAKER_04","startTime":723.2,"endTime":723.84,"body":"product,"},{"speaker":"SPEAKER_04","startTime":724.0,"endTime":724.16,"body":"as"},{"speaker":"SPEAKER_04","startTime":724.16,"endTime":724.4,"body":"well"},{"speaker":"SPEAKER_04","startTime":724.4,"endTime":724.72,"body":"as"},{"speaker":"SPEAKER_04","startTime":724.72,"endTime":725.04,"body":"they"},{"speaker":"SPEAKER_04","startTime":725.04,"endTime":725.68,"body":"throw"},{"speaker":"SPEAKER_04","startTime":725.68,"endTime":726.56,"body":"different"},{"speaker":"SPEAKER_04","startTime":726.88,"endTime":727.84,"body":"ETF"},{"speaker":"SPEAKER_04","startTime":728.16,"endTime":728.48,"body":"um"},{"speaker":"SPEAKER_04","startTime":729.04,"endTime":729.52,"body":"parts"},{"speaker":"SPEAKER_04","startTime":729.52,"endTime":729.76,"body":"in"},{"speaker":"SPEAKER_04","startTime":729.76,"endTime":730.0,"body":"of"},{"speaker":"SPEAKER_04","startTime":730.0,"endTime":730.32,"body":"their"},{"speaker":"SPEAKER_04","startTime":730.32,"endTime":730.88,"body":"own"},{"speaker":"SPEAKER_04","startTime":730.88,"endTime":731.52,"body":"inside"},{"speaker":"SPEAKER_04","startTime":731.52,"endTime":731.84,"body":"of"},{"speaker":"SPEAKER_04","startTime":731.84,"endTime":732.16,"body":"that."},{"speaker":"SPEAKER_04","startTime":732.48,"endTime":732.8,"body":"And"},{"speaker":"SPEAKER_04","startTime":733.04,"endTime":733.36,"body":"so"},{"speaker":"SPEAKER_04","startTime":734.08,"endTime":734.4,"body":"it"},{"speaker":"SPEAKER_04","startTime":734.4,"endTime":734.88,"body":"looks"},{"speaker":"SPEAKER_04","startTime":734.88,"endTime":735.2,"body":"like"},{"speaker":"SPEAKER_04","startTime":735.2,"endTime":735.52,"body":"more"},{"speaker":"SPEAKER_04","startTime":735.52,"endTime":735.84,"body":"of"},{"speaker":"SPEAKER_04","startTime":735.84,"endTime":736.16,"body":"a"},{"speaker":"SPEAKER_04","startTime":737.36,"endTime":738.24,"body":"beyond"},{"speaker":"SPEAKER_04","startTime":739.2,"endTime":739.84,"body":"passive"},{"speaker":"SPEAKER_04","startTime":740.0,"endTime":740.72,"body":"indexing,"},{"speaker":"SPEAKER_04","startTime":740.8,"endTime":740.96,"body":"is"},{"speaker":"SPEAKER_04","startTime":740.96,"endTime":741.2,"body":"what"},{"speaker":"SPEAKER_04","startTime":741.2,"endTime":741.36,"body":"it"},{"speaker":"SPEAKER_04","startTime":741.36,"endTime":741.84,"body":"describes"},{"speaker":"SPEAKER_04","startTime":741.84,"endTime":742.0,"body":"in"},{"speaker":"SPEAKER_04","startTime":742.0,"endTime":742.24,"body":"their"},{"speaker":"SPEAKER_04","startTime":742.24,"endTime":742.48,"body":"press"},{"speaker":"SPEAKER_04","startTime":742.48,"endTime":742.96,"body":"release."},{"speaker":"SPEAKER_04","startTime":743.12,"endTime":743.28,"body":"So"},{"speaker":"SPEAKER_04","startTime":743.44,"endTime":743.76,"body":"as"},{"speaker":"SPEAKER_04","startTime":743.76,"endTime":744.0,"body":"these"},{"speaker":"SPEAKER_04","startTime":744.0,"endTime":744.96,"body":"companies"},{"speaker":"SPEAKER_04","startTime":745.28,"endTime":745.6,"body":"have"},{"speaker":"SPEAKER_04","startTime":745.92,"endTime":746.24,"body":"more"},{"speaker":"SPEAKER_04","startTime":746.56,"endTime":747.2,"body":"active"},{"speaker":"SPEAKER_04","startTime":747.44,"endTime":748.4,"body":"investing"},{"speaker":"SPEAKER_04","startTime":748.72,"endTime":749.36,"body":"elements"},{"speaker":"SPEAKER_04","startTime":749.6,"endTime":749.92,"body":"to"},{"speaker":"SPEAKER_04","startTime":749.92,"endTime":750.24,"body":"them,"},{"speaker":"SPEAKER_04","startTime":750.64,"endTime":750.96,"body":"my"},{"speaker":"SPEAKER_04","startTime":750.96,"endTime":751.52,"body":"concern"},{"speaker":"SPEAKER_04","startTime":751.52,"endTime":751.68,"body":"is"},{"speaker":"SPEAKER_04","startTime":751.84,"endTime":752.0,"body":"you"},{"speaker":"SPEAKER_04","startTime":752.0,"endTime":752.24,"body":"really"},{"speaker":"SPEAKER_04","startTime":752.24,"endTime":752.4,"body":"have"},{"speaker":"SPEAKER_04","startTime":752.4,"endTime":752.48,"body":"to"},{"speaker":"SPEAKER_04","startTime":752.48,"endTime":752.64,"body":"know"},{"speaker":"SPEAKER_04","startTime":752.64,"endTime":752.8,"body":"what"},{"speaker":"SPEAKER_04","startTime":752.8,"endTime":753.28,"body":"you're"},{"speaker":"SPEAKER_04","startTime":753.28,"endTime":753.76,"body":"doing,"},{"speaker":"SPEAKER_04","startTime":754.0,"endTime":754.32,"body":"or"},{"speaker":"SPEAKER_04","startTime":754.32,"endTime":754.64,"body":"you"},{"speaker":"SPEAKER_04","startTime":754.64,"endTime":754.96,"body":"know"},{"speaker":"SPEAKER_04","startTime":755.28,"endTime":755.6,"body":"who"},{"speaker":"SPEAKER_04","startTime":755.76,"endTime":756.08,"body":"to"},{"speaker":"SPEAKER_04","startTime":756.08,"endTime":756.64,"body":"hire"},{"speaker":"SPEAKER_04","startTime":756.88,"endTime":757.2,"body":"and"},{"speaker":"SPEAKER_04","startTime":757.2,"endTime":757.44,"body":"know"},{"speaker":"SPEAKER_04","startTime":757.44,"endTime":757.6,"body":"what"},{"speaker":"SPEAKER_04","startTime":757.6,"endTime":758.0,"body":"they're"},{"speaker":"SPEAKER_04","startTime":758.0,"endTime":758.4,"body":"doing"},{"speaker":"SPEAKER_04","startTime":758.4,"endTime":758.72,"body":"in"},{"speaker":"SPEAKER_04","startTime":758.72,"endTime":759.04,"body":"order"},{"speaker":"SPEAKER_04","startTime":759.04,"endTime":759.28,"body":"to"},{"speaker":"SPEAKER_04","startTime":759.28,"endTime":759.6,"body":"get"},{"speaker":"SPEAKER_04","startTime":759.6,"endTime":759.92,"body":"your"},{"speaker":"SPEAKER_04","startTime":760.16,"endTime":761.04,"body":"investment"},{"speaker":"SPEAKER_04","startTime":761.04,"endTime":762.16,"body":"objectives"},{"speaker":"SPEAKER_04","startTime":762.16,"endTime":763.12,"body":"completed"},{"speaker":"SPEAKER_04","startTime":763.28,"endTime":763.6,"body":"and"},{"speaker":"SPEAKER_04","startTime":763.6,"endTime":763.92,"body":"done"},{"speaker":"SPEAKER_04","startTime":763.92,"endTime":764.56,"body":"correctly."},{"speaker":"SPEAKER_04","startTime":764.8,"endTime":764.96,"body":"Thank"},{"speaker":"SPEAKER_04","startTime":764.96,"endTime":765.04,"body":"you."},{"speaker":"SPEAKER_01","startTime":765.12,"endTime":765.2,"body":"Aaron"},{"speaker":"SPEAKER_01","startTime":765.2,"endTime":765.2,"body":"Powell"},{"speaker":"SPEAKER_01","startTime":765.44,"endTime":765.52,"body":"I"},{"speaker":"SPEAKER_01","startTime":765.6,"endTime":765.76,"body":"think"},{"speaker":"SPEAKER_01","startTime":765.76,"endTime":765.84,"body":"this"},{"speaker":"SPEAKER_01","startTime":765.84,"endTime":766.08,"body":"is"},{"speaker":"SPEAKER_01","startTime":766.08,"endTime":767.2,"body":"Avantis's"},{"speaker":"SPEAKER_01","startTime":767.2,"endTime":767.68,"body":"attempt"},{"speaker":"SPEAKER_01","startTime":767.68,"endTime":767.92,"body":"to,"},{"speaker":"SPEAKER_01","startTime":768.0,"endTime":768.48,"body":"again,"},{"speaker":"SPEAKER_01","startTime":768.72,"endTime":769.04,"body":"try"},{"speaker":"SPEAKER_01","startTime":769.04,"endTime":769.2,"body":"to"},{"speaker":"SPEAKER_01","startTime":769.2,"endTime":769.6,"body":"find"},{"speaker":"SPEAKER_01","startTime":769.6,"endTime":769.92,"body":"little"},{"speaker":"SPEAKER_01","startTime":769.92,"endTime":770.56,"body":"niche"},{"speaker":"SPEAKER_01","startTime":770.56,"endTime":771.2,"body":"markets"},{"speaker":"SPEAKER_01","startTime":771.52,"endTime":771.84,"body":"to"},{"speaker":"SPEAKER_01","startTime":771.84,"endTime":772.48,"body":"play"},{"speaker":"SPEAKER_01","startTime":772.48,"endTime":772.8,"body":"in."},{"speaker":"SPEAKER_01","startTime":773.12,"endTime":773.44,"body":"Uh"},{"speaker":"SPEAKER_01","startTime":773.68,"endTime":774.08,"body":"it's"},{"speaker":"SPEAKER_01","startTime":774.4,"endTime":774.72,"body":"it's"},{"speaker":"SPEAKER_01","startTime":774.72,"endTime":774.88,"body":"not"},{"speaker":"SPEAKER_01","startTime":774.88,"endTime":775.04,"body":"as"},{"speaker":"SPEAKER_01","startTime":775.04,"endTime":775.44,"body":"crazy"},{"speaker":"SPEAKER_01","startTime":775.44,"endTime":775.68,"body":"as"},{"speaker":"SPEAKER_01","startTime":775.68,"endTime":776.56,"body":"AQR's"},{"speaker":"SPEAKER_01","startTime":776.56,"endTime":777.04,"body":"moves,"},{"speaker":"SPEAKER_01","startTime":777.2,"endTime":777.52,"body":"but"},{"speaker":"SPEAKER_01","startTime":777.52,"endTime":777.92,"body":"it's"},{"speaker":"SPEAKER_01","startTime":777.92,"endTime":778.32,"body":"crazy"},{"speaker":"SPEAKER_01","startTime":778.32,"endTime":778.64,"body":"enough."},{"speaker":"SPEAKER_01","startTime":778.8,"endTime":778.88,"body":"It's"},{"speaker":"SPEAKER_01","startTime":778.96,"endTime":779.04,"body":"uh"},{"speaker":"SPEAKER_01","startTime":779.2,"endTime":779.36,"body":"it's"},{"speaker":"SPEAKER_01","startTime":779.36,"endTime":779.44,"body":"an"},{"speaker":"SPEAKER_01","startTime":779.44,"endTime":780.16,"body":"unnecessary"},{"speaker":"SPEAKER_01","startTime":780.16,"endTime":780.4,"body":"fund."},{"speaker":"SPEAKER_01","startTime":780.48,"endTime":780.64,"body":"It's"},{"speaker":"SPEAKER_01","startTime":780.64,"endTime":780.72,"body":"a"},{"speaker":"SPEAKER_01","startTime":780.88,"endTime":781.12,"body":"it's"},{"speaker":"SPEAKER_01","startTime":781.12,"endTime":781.44,"body":"a"},{"speaker":"SPEAKER_01","startTime":781.44,"endTime":781.76,"body":"fund"},{"speaker":"SPEAKER_01","startTime":782.64,"endTime":783.44,"body":"filling"},{"speaker":"SPEAKER_01","startTime":783.44,"endTime":783.76,"body":"a"},{"speaker":"SPEAKER_01","startTime":783.76,"endTime":784.08,"body":"need"},{"speaker":"SPEAKER_01","startTime":784.08,"endTime":784.4,"body":"that"},{"speaker":"SPEAKER_01","startTime":784.96,"endTime":785.28,"body":"very"},{"speaker":"SPEAKER_01","startTime":785.28,"endTime":785.6,"body":"few"},{"speaker":"SPEAKER_01","startTime":785.6,"endTime":785.84,"body":"of"},{"speaker":"SPEAKER_01","startTime":785.84,"endTime":786.0,"body":"us"},{"speaker":"SPEAKER_01","startTime":786.0,"endTime":786.24,"body":"have."},{"speaker":"SPEAKER_01","startTime":786.4,"endTime":786.56,"body":"We"},{"speaker":"SPEAKER_01","startTime":786.56,"endTime":786.72,"body":"don't"},{"speaker":"SPEAKER_01","startTime":786.72,"endTime":786.88,"body":"need"},{"speaker":"SPEAKER_01","startTime":786.88,"endTime":787.04,"body":"this."},{"speaker":"SPEAKER_01","startTime":787.12,"endTime":787.36,"body":"Plus,"},{"speaker":"SPEAKER_01","startTime":787.44,"endTime":787.68,"body":"it's"},{"speaker":"SPEAKER_01","startTime":787.68,"endTime":787.92,"body":"a"},{"speaker":"SPEAKER_01","startTime":787.92,"endTime":788.24,"body":"really"},{"speaker":"SPEAKER_01","startTime":788.24,"endTime":788.72,"body":"large"},{"speaker":"SPEAKER_01","startTime":788.72,"endTime":788.96,"body":"cap"},{"speaker":"SPEAKER_01","startTime":789.28,"endTime":789.6,"body":"fund."},{"speaker":"SPEAKER_01","startTime":789.76,"endTime":789.92,"body":"I"},{"speaker":"SPEAKER_01","startTime":789.92,"endTime":790.16,"body":"mean,"},{"speaker":"SPEAKER_01","startTime":790.24,"endTime":790.4,"body":"it"},{"speaker":"SPEAKER_01","startTime":790.4,"endTime":790.64,"body":"is"},{"speaker":"SPEAKER_01","startTime":790.64,"endTime":791.2,"body":"weighted"},{"speaker":"SPEAKER_01","startTime":791.2,"endTime":791.76,"body":"heavily"},{"speaker":"SPEAKER_01","startTime":791.76,"endTime":792.24,"body":"towards"},{"speaker":"SPEAKER_01","startTime":792.24,"endTime":792.32,"body":"the"},{"speaker":"SPEAKER_01","startTime":792.32,"endTime":792.72,"body":"biggest"},{"speaker":"SPEAKER_01","startTime":792.72,"endTime":793.12,"body":"companies."},{"speaker":"SPEAKER_01","startTime":793.28,"endTime":793.52,"body":"That's"},{"speaker":"SPEAKER_01","startTime":793.52,"endTime":793.6,"body":"what"},{"speaker":"SPEAKER_01","startTime":793.6,"endTime":793.76,"body":"you"},{"speaker":"SPEAKER_01","startTime":793.76,"endTime":793.92,"body":"see"},{"speaker":"SPEAKER_01","startTime":793.92,"endTime":794.08,"body":"in"},{"speaker":"SPEAKER_01","startTime":794.08,"endTime":794.32,"body":"those"},{"speaker":"SPEAKER_01","startTime":794.32,"endTime":794.88,"body":"individual"},{"speaker":"SPEAKER_01","startTime":794.88,"endTime":795.28,"body":"stocks."},{"speaker":"SPEAKER_01","startTime":795.44,"endTime":795.6,"body":"You"},{"speaker":"SPEAKER_01","startTime":795.6,"endTime":795.68,"body":"see,"},{"speaker":"SPEAKER_01","startTime":795.76,"endTime":795.84,"body":"a"},{"speaker":"SPEAKER_01","startTime":795.84,"endTime":796.0,"body":"lot"},{"speaker":"SPEAKER_01","startTime":796.0,"endTime":796.08,"body":"of"},{"speaker":"SPEAKER_01","startTime":796.08,"endTime":796.24,"body":"that"},{"speaker":"SPEAKER_01","startTime":796.24,"endTime":796.4,"body":"is"},{"speaker":"SPEAKER_01","startTime":796.4,"endTime":796.48,"body":"the"},{"speaker":"SPEAKER_01","startTime":796.48,"endTime":796.96,"body":"SP"},{"speaker":"SPEAKER_01","startTime":796.96,"endTime":797.6,"body":"500."},{"speaker":"SPEAKER_01","startTime":797.76,"endTime":798.0,"body":"So"},{"speaker":"SPEAKER_01","startTime":798.08,"endTime":798.24,"body":"uh"},{"speaker":"SPEAKER_01","startTime":798.4,"endTime":798.64,"body":"again,"},{"speaker":"SPEAKER_01","startTime":798.72,"endTime":798.88,"body":"I"},{"speaker":"SPEAKER_01","startTime":798.88,"endTime":799.04,"body":"think"},{"speaker":"SPEAKER_01","startTime":799.04,"endTime":799.2,"body":"it's"},{"speaker":"SPEAKER_01","startTime":799.2,"endTime":799.28,"body":"a"},{"speaker":"SPEAKER_01","startTime":799.28,"endTime":799.44,"body":"little"},{"speaker":"SPEAKER_01","startTime":799.44,"endTime":800.08,"body":"gimmicky."},{"speaker":"SPEAKER_01","startTime":800.32,"endTime":800.48,"body":"I"},{"speaker":"SPEAKER_01","startTime":800.48,"endTime":800.72,"body":"find"},{"speaker":"SPEAKER_01","startTime":800.72,"endTime":800.96,"body":"it"},{"speaker":"SPEAKER_01","startTime":800.96,"endTime":801.36,"body":"totally"},{"speaker":"SPEAKER_01","startTime":801.36,"endTime":802.0,"body":"unnecessary."},{"speaker":"SPEAKER_01","startTime":802.08,"endTime":802.24,"body":"I"},{"speaker":"SPEAKER_01","startTime":802.24,"endTime":802.4,"body":"think"},{"speaker":"SPEAKER_01","startTime":802.4,"endTime":802.48,"body":"you"},{"speaker":"SPEAKER_01","startTime":802.48,"endTime":802.64,"body":"can"},{"speaker":"SPEAKER_01","startTime":802.64,"endTime":802.8,"body":"do"},{"speaker":"SPEAKER_01","startTime":802.8,"endTime":802.96,"body":"an"},{"speaker":"SPEAKER_01","startTime":802.96,"endTime":803.76,"body":"AVGE"},{"speaker":"SPEAKER_01","startTime":804.0,"endTime":804.24,"body":"and"},{"speaker":"SPEAKER_01","startTime":804.24,"endTime":804.4,"body":"have,"},{"speaker":"SPEAKER_01","startTime":804.72,"endTime":804.96,"body":"I"},{"speaker":"SPEAKER_01","startTime":804.96,"endTime":805.12,"body":"know"},{"speaker":"SPEAKER_01","startTime":805.12,"endTime":805.28,"body":"you"},{"speaker":"SPEAKER_01","startTime":805.28,"endTime":805.44,"body":"can"},{"speaker":"SPEAKER_01","startTime":805.44,"endTime":805.6,"body":"do"},{"speaker":"SPEAKER_01","startTime":805.6,"endTime":805.76,"body":"an"},{"speaker":"SPEAKER_01","startTime":805.76,"endTime":806.56,"body":"AVGE"},{"speaker":"SPEAKER_01","startTime":806.56,"endTime":806.72,"body":"and"},{"speaker":"SPEAKER_01","startTime":806.72,"endTime":806.96,"body":"have"},{"speaker":"SPEAKER_01","startTime":806.96,"endTime":807.12,"body":"much"},{"speaker":"SPEAKER_01","startTime":807.12,"endTime":807.44,"body":"better"},{"speaker":"SPEAKER_01","startTime":807.44,"endTime":808.24,"body":"diversification."},{"speaker":"SPEAKER_01","startTime":808.32,"endTime":808.64,"body":"This"},{"speaker":"SPEAKER_01","startTime":808.64,"endTime":808.96,"body":"is"},{"speaker":"SPEAKER_01","startTime":808.96,"endTime":809.2,"body":"really"},{"speaker":"SPEAKER_01","startTime":809.28,"endTime":809.52,"body":"in"},{"speaker":"SPEAKER_01","startTime":809.52,"endTime":809.76,"body":"the"},{"speaker":"SPEAKER_01","startTime":809.76,"endTime":810.0,"body":"grand"},{"speaker":"SPEAKER_01","startTime":810.0,"endTime":810.32,"body":"scheme"},{"speaker":"SPEAKER_01","startTime":810.32,"endTime":810.4,"body":"of"},{"speaker":"SPEAKER_01","startTime":810.4,"endTime":810.8,"body":"things,"},{"speaker":"SPEAKER_01","startTime":811.04,"endTime":812.16,"body":"unnecessary"},{"speaker":"SPEAKER_01","startTime":812.16,"endTime":812.48,"body":"for"},{"speaker":"SPEAKER_01","startTime":812.48,"endTime":813.12,"body":"somewhere"},{"speaker":"SPEAKER_01","startTime":813.12,"endTime":813.6,"body":"around"},{"speaker":"SPEAKER_01","startTime":813.6,"endTime":815.04,"body":"99.9%,"},{"speaker":"SPEAKER_01","startTime":816.56,"endTime":816.96,"body":"maybe"},{"speaker":"SPEAKER_01","startTime":816.96,"endTime":817.28,"body":"even"},{"speaker":"SPEAKER_01","startTime":817.28,"endTime":817.52,"body":"nine"},{"speaker":"SPEAKER_01","startTime":817.68,"endTime":818.0,"body":"nine"},{"speaker":"SPEAKER_01","startTime":818.0,"endTime":818.32,"body":"percent"},{"speaker":"SPEAKER_01","startTime":818.4,"endTime":818.64,"body":"of"},{"speaker":"SPEAKER_01","startTime":818.64,"endTime":819.2,"body":"investors."},{"speaker":"SPEAKER_01","startTime":819.68,"endTime":820.08,"body":"What's"},{"speaker":"SPEAKER_01","startTime":820.4,"endTime":820.8,"body":"again,"},{"speaker":"SPEAKER_01","startTime":821.12,"endTime":821.68,"body":"what's"},{"speaker":"SPEAKER_01","startTime":821.68,"endTime":822.0,"body":"the"},{"speaker":"SPEAKER_01","startTime":822.0,"endTime":822.32,"body":"problem"},{"speaker":"SPEAKER_01","startTime":823.12,"endTime":823.6,"body":"it's"},{"speaker":"SPEAKER_01","startTime":823.6,"endTime":824.56,"body":"solving?"},{"speaker":"SPEAKER_01","startTime":825.04,"endTime":825.44,"body":"There"},{"speaker":"SPEAKER_01","startTime":825.44,"endTime":825.68,"body":"really"},{"speaker":"SPEAKER_01","startTime":825.68,"endTime":826.4,"body":"isn't"},{"speaker":"SPEAKER_01","startTime":826.4,"endTime":826.72,"body":"one."},{"speaker":"SPEAKER_01","startTime":827.36,"endTime":827.68,"body":"It's"},{"speaker":"SPEAKER_01","startTime":827.68,"endTime":827.92,"body":"a"},{"speaker":"SPEAKER_01","startTime":827.92,"endTime":828.16,"body":"it's"},{"speaker":"SPEAKER_01","startTime":828.16,"endTime":828.32,"body":"a"},{"speaker":"SPEAKER_01","startTime":828.32,"endTime":828.72,"body":"niche"},{"speaker":"SPEAKER_01","startTime":828.8,"endTime":828.96,"body":"thing."},{"speaker":"SPEAKER_01","startTime":829.04,"endTime":829.36,"body":"Ignore"},{"speaker":"SPEAKER_01","startTime":829.36,"endTime":829.52,"body":"it,"},{"speaker":"SPEAKER_01","startTime":829.68,"endTime":829.92,"body":"ignore"},{"speaker":"SPEAKER_01","startTime":830.0,"endTime":830.08,"body":"it."},{"speaker":"SPEAKER_01","startTime":830.16,"endTime":830.48,"body":"There's"},{"speaker":"SPEAKER_01","startTime":830.48,"endTime":830.64,"body":"just"},{"speaker":"SPEAKER_01","startTime":830.64,"endTime":830.88,"body":"too"},{"speaker":"SPEAKER_01","startTime":830.88,"endTime":831.04,"body":"much"},{"speaker":"SPEAKER_01","startTime":831.04,"endTime":831.36,"body":"noise"},{"speaker":"SPEAKER_01","startTime":831.36,"endTime":831.52,"body":"out"},{"speaker":"SPEAKER_01","startTime":831.52,"endTime":831.68,"body":"there."},{"speaker":"SPEAKER_01","startTime":831.84,"endTime":832.24,"body":"Gosh,"},{"speaker":"SPEAKER_01","startTime":832.32,"endTime":832.64,"body":"we've"},{"speaker":"SPEAKER_01","startTime":832.64,"endTime":832.72,"body":"got"},{"speaker":"SPEAKER_01","startTime":832.72,"endTime":832.8,"body":"to"},{"speaker":"SPEAKER_01","startTime":832.8,"endTime":833.2,"body":"ignore"},{"speaker":"SPEAKER_01","startTime":833.2,"endTime":833.52,"body":"the"},{"speaker":"SPEAKER_01","startTime":833.52,"endTime":834.16,"body":"noise."},{"speaker":"SPEAKER_01","startTime":834.96,"endTime":835.84,"body":"DFA"},{"speaker":"SPEAKER_01","startTime":835.84,"endTime":836.08,"body":"says"},{"speaker":"SPEAKER_01","startTime":836.08,"endTime":836.32,"body":"it"},{"speaker":"SPEAKER_01","startTime":836.32,"endTime":836.4,"body":"in"},{"speaker":"SPEAKER_01","startTime":836.4,"endTime":836.64,"body":"their"},{"speaker":"SPEAKER_01","startTime":836.64,"endTime":836.88,"body":"in"},{"speaker":"SPEAKER_01","startTime":836.88,"endTime":837.12,"body":"their"},{"speaker":"SPEAKER_01","startTime":837.12,"endTime":837.36,"body":"little"},{"speaker":"SPEAKER_01","startTime":837.36,"endTime":838.24,"body":"documentary."},{"speaker":"SPEAKER_01","startTime":839.04,"endTime":839.6,"body":"Tune"},{"speaker":"SPEAKER_01","startTime":839.6,"endTime":839.92,"body":"out"},{"speaker":"SPEAKER_01","startTime":839.92,"endTime":840.24,"body":"the"},{"speaker":"SPEAKER_01","startTime":840.24,"endTime":840.88,"body":"noise."},{"speaker":"SPEAKER_01","startTime":841.52,"endTime":842.08,"body":"It's"},{"speaker":"SPEAKER_01","startTime":842.08,"endTime":842.88,"body":"noisy"},{"speaker":"SPEAKER_01","startTime":842.88,"endTime":843.12,"body":"because"},{"speaker":"SPEAKER_01","startTime":843.12,"endTime":843.36,"body":"these"},{"speaker":"SPEAKER_01","startTime":843.36,"endTime":843.84,"body":"companies"},{"speaker":"SPEAKER_01","startTime":843.84,"endTime":844.0,"body":"are"},{"speaker":"SPEAKER_01","startTime":844.0,"endTime":844.32,"body":"trying"},{"speaker":"SPEAKER_01","startTime":844.32,"endTime":844.56,"body":"to"},{"speaker":"SPEAKER_01","startTime":844.56,"endTime":844.88,"body":"sell"},{"speaker":"SPEAKER_01","startTime":844.88,"endTime":845.36,"body":"things."},{"speaker":"SPEAKER_01","startTime":845.6,"endTime":846.16,"body":"They"},{"speaker":"SPEAKER_01","startTime":846.16,"endTime":846.48,"body":"are"},{"speaker":"SPEAKER_01","startTime":846.96,"endTime":847.2,"body":"they"},{"speaker":"SPEAKER_01","startTime":847.52,"endTime":847.84,"body":"are"},{"speaker":"SPEAKER_01","startTime":847.84,"endTime":848.16,"body":"in"},{"speaker":"SPEAKER_01","startTime":848.16,"endTime":848.72,"body":"business"},{"speaker":"SPEAKER_01","startTime":848.72,"endTime":848.96,"body":"to"},{"speaker":"SPEAKER_01","startTime":848.96,"endTime":849.2,"body":"make"},{"speaker":"SPEAKER_01","startTime":849.2,"endTime":849.92,"body":"money."},{"speaker":"SPEAKER_01","startTime":850.24,"endTime":850.56,"body":"And"},{"speaker":"SPEAKER_01","startTime":850.88,"endTime":851.2,"body":"if"},{"speaker":"SPEAKER_01","startTime":851.28,"endTime":851.44,"body":"they"},{"speaker":"SPEAKER_01","startTime":851.44,"endTime":851.6,"body":"can"},{"speaker":"SPEAKER_01","startTime":851.6,"endTime":851.76,"body":"come"},{"speaker":"SPEAKER_01","startTime":851.76,"endTime":851.92,"body":"up"},{"speaker":"SPEAKER_01","startTime":851.92,"endTime":852.08,"body":"with"},{"speaker":"SPEAKER_01","startTime":852.08,"endTime":852.16,"body":"a"},{"speaker":"SPEAKER_01","startTime":852.16,"endTime":852.4,"body":"product"},{"speaker":"SPEAKER_01","startTime":852.4,"endTime":852.64,"body":"that's"},{"speaker":"SPEAKER_01","startTime":852.64,"endTime":852.8,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":852.8,"endTime":853.04,"body":"pick"},{"speaker":"SPEAKER_01","startTime":853.04,"endTime":853.12,"body":"up"},{"speaker":"SPEAKER_01","startTime":853.12,"endTime":853.2,"body":"a"},{"speaker":"SPEAKER_01","startTime":853.2,"endTime":853.36,"body":"few"},{"speaker":"SPEAKER_01","startTime":853.36,"endTime":853.68,"body":"extra"},{"speaker":"SPEAKER_01","startTime":853.68,"endTime":853.92,"body":"bucks"},{"speaker":"SPEAKER_01","startTime":853.92,"endTime":854.0,"body":"for"},{"speaker":"SPEAKER_01","startTime":854.0,"endTime":854.16,"body":"them,"},{"speaker":"SPEAKER_01","startTime":854.24,"endTime":854.48,"body":"they're"},{"speaker":"SPEAKER_01","startTime":854.48,"endTime":854.72,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":854.72,"endTime":854.88,"body":"bring"},{"speaker":"SPEAKER_01","startTime":854.88,"endTime":854.96,"body":"it"},{"speaker":"SPEAKER_01","startTime":854.96,"endTime":855.12,"body":"out,"},{"speaker":"SPEAKER_01","startTime":855.2,"endTime":855.36,"body":"some"},{"speaker":"SPEAKER_01","startTime":855.36,"endTime":855.52,"body":"of"},{"speaker":"SPEAKER_01","startTime":855.52,"endTime":855.68,"body":"them."},{"speaker":"SPEAKER_01","startTime":855.84,"endTime":856.08,"body":"Some"},{"speaker":"SPEAKER_01","startTime":856.08,"endTime":856.56,"body":"won't,"},{"speaker":"SPEAKER_01","startTime":856.72,"endTime":856.96,"body":"but"},{"speaker":"SPEAKER_01","startTime":856.96,"endTime":857.28,"body":"most"},{"speaker":"SPEAKER_01","startTime":857.28,"endTime":857.6,"body":"will."},{"speaker":"SPEAKER_01","startTime":857.76,"endTime":858.16,"body":"I'd"},{"speaker":"SPEAKER_01","startTime":858.16,"endTime":858.4,"body":"skip"},{"speaker":"SPEAKER_01","startTime":858.4,"endTime":858.56,"body":"it."},{"speaker":"SPEAKER_01","startTime":858.72,"endTime":859.2,"body":"Totally"},{"speaker":"SPEAKER_01","startTime":859.2,"endTime":859.44,"body":"and"},{"speaker":"SPEAKER_01","startTime":859.44,"endTime":860.0,"body":"utterly"},{"speaker":"SPEAKER_01","startTime":860.24,"endTime":860.8,"body":"skip"},{"speaker":"SPEAKER_01","startTime":860.8,"endTime":861.12,"body":"it."},{"speaker":"SPEAKER_01","startTime":861.52,"endTime":861.84,"body":"And"},{"speaker":"SPEAKER_01","startTime":861.84,"endTime":862.32,"body":"let's"},{"speaker":"SPEAKER_01","startTime":862.32,"endTime":862.48,"body":"see."},{"speaker":"SPEAKER_01","startTime":862.64,"endTime":862.8,"body":"I"},{"speaker":"SPEAKER_01","startTime":862.8,"endTime":862.96,"body":"think"},{"speaker":"SPEAKER_01","startTime":862.96,"endTime":863.04,"body":"we"},{"speaker":"SPEAKER_01","startTime":863.04,"endTime":863.2,"body":"have"},{"speaker":"SPEAKER_01","startTime":863.2,"endTime":863.44,"body":"two"},{"speaker":"SPEAKER_01","startTime":863.44,"endTime":863.6,"body":"more"},{"speaker":"SPEAKER_01","startTime":863.6,"endTime":863.84,"body":"left."},{"speaker":"SPEAKER_01","startTime":863.92,"endTime":864.08,"body":"Do"},{"speaker":"SPEAKER_01","startTime":864.08,"endTime":864.24,"body":"we?"},{"speaker":"SPEAKER_01","startTime":864.32,"endTime":864.48,"body":"Yeah,"},{"speaker":"SPEAKER_01","startTime":864.56,"endTime":864.72,"body":"we"},{"speaker":"SPEAKER_01","startTime":864.72,"endTime":864.8,"body":"do."},{"speaker":"SPEAKER_01","startTime":864.96,"endTime":865.2,"body":"Two"},{"speaker":"SPEAKER_01","startTime":865.2,"endTime":865.36,"body":"more."},{"speaker":"SPEAKER_01","startTime":865.44,"endTime":865.68,"body":"Here's"},{"speaker":"SPEAKER_01","startTime":865.68,"endTime":865.76,"body":"the"},{"speaker":"SPEAKER_01","startTime":865.76,"endTime":865.92,"body":"next"},{"speaker":"SPEAKER_01","startTime":865.92,"endTime":866.0,"body":"one."},{"speaker":"SPEAKER_01","startTime":866.32,"endTime":866.8,"body":"Domin."},{"speaker":"SPEAKER_06","startTime":867.68,"endTime":868.0,"body":"This"},{"speaker":"SPEAKER_06","startTime":868.0,"endTime":868.24,"body":"is"},{"speaker":"SPEAKER_06","startTime":868.24,"endTime":868.8,"body":"Raymond"},{"speaker":"SPEAKER_06","startTime":868.8,"endTime":868.96,"body":"from"},{"speaker":"SPEAKER_06","startTime":868.96,"endTime":870.0,"body":"Royalton."},{"speaker":"SPEAKER_06","startTime":870.48,"endTime":870.88,"body":"I'm"},{"speaker":"SPEAKER_06","startTime":870.88,"endTime":871.76,"body":"circling"},{"speaker":"SPEAKER_06","startTime":871.76,"endTime":872.08,"body":"back"},{"speaker":"SPEAKER_06","startTime":872.08,"endTime":872.4,"body":"to"},{"speaker":"SPEAKER_06","startTime":872.4,"endTime":872.72,"body":"your"},{"speaker":"SPEAKER_06","startTime":872.72,"endTime":873.84,"body":"recommendation"},{"speaker":"SPEAKER_06","startTime":873.84,"endTime":874.16,"body":"of"},{"speaker":"SPEAKER_06","startTime":874.32,"endTime":874.72,"body":"Tune"},{"speaker":"SPEAKER_06","startTime":874.72,"endTime":874.96,"body":"Out"},{"speaker":"SPEAKER_06","startTime":874.96,"endTime":875.12,"body":"the"},{"speaker":"SPEAKER_06","startTime":875.12,"endTime":875.76,"body":"Noise,"},{"speaker":"SPEAKER_06","startTime":875.92,"endTime":876.16,"body":"the"},{"speaker":"SPEAKER_06","startTime":876.16,"endTime":877.12,"body":"DFA"},{"speaker":"SPEAKER_06","startTime":877.12,"endTime":878.08,"body":"documentary."},{"speaker":"SPEAKER_06","startTime":879.12,"endTime":879.44,"body":"And"},{"speaker":"SPEAKER_06","startTime":879.44,"endTime":880.24,"body":"I'm"},{"speaker":"SPEAKER_06","startTime":880.88,"endTime":881.44,"body":"16"},{"speaker":"SPEAKER_06","startTime":881.6,"endTime":881.92,"body":"minutes,"},{"speaker":"SPEAKER_06","startTime":882.08,"endTime":882.48,"body":"30"},{"speaker":"SPEAKER_06","startTime":882.48,"endTime":882.8,"body":"seconds"},{"speaker":"SPEAKER_06","startTime":882.8,"endTime":883.04,"body":"in,"},{"speaker":"SPEAKER_06","startTime":883.12,"endTime":883.44,"body":"give"},{"speaker":"SPEAKER_06","startTime":883.44,"endTime":883.68,"body":"or"},{"speaker":"SPEAKER_06","startTime":883.68,"endTime":884.16,"body":"take."},{"speaker":"SPEAKER_06","startTime":884.48,"endTime":884.8,"body":"And"},{"speaker":"SPEAKER_06","startTime":884.8,"endTime":885.04,"body":"they"},{"speaker":"SPEAKER_06","startTime":885.04,"endTime":885.2,"body":"are"},{"speaker":"SPEAKER_06","startTime":885.2,"endTime":885.76,"body":"showing"},{"speaker":"SPEAKER_06","startTime":885.76,"endTime":886.08,"body":"a"},{"speaker":"SPEAKER_06","startTime":886.08,"endTime":886.64,"body":"chart"},{"speaker":"SPEAKER_06","startTime":886.64,"endTime":886.96,"body":"from"},{"speaker":"SPEAKER_06","startTime":887.2,"endTime":887.84,"body":"Harry"},{"speaker":"SPEAKER_06","startTime":888.32,"endTime":889.28,"body":"Markowitz"},{"speaker":"SPEAKER_06","startTime":889.44,"endTime":889.76,"body":"that"},{"speaker":"SPEAKER_06","startTime":889.76,"endTime":890.24,"body":"seems"},{"speaker":"SPEAKER_06","startTime":890.24,"endTime":890.56,"body":"to"},{"speaker":"SPEAKER_06","startTime":890.56,"endTime":891.36,"body":"indicate"},{"speaker":"SPEAKER_06","startTime":892.0,"endTime":892.32,"body":"that"},{"speaker":"SPEAKER_06","startTime":892.56,"endTime":893.92,"body":"diversifiable"},{"speaker":"SPEAKER_06","startTime":893.92,"endTime":894.56,"body":"risk"},{"speaker":"SPEAKER_06","startTime":894.56,"endTime":895.68,"body":"requires"},{"speaker":"SPEAKER_06","startTime":896.0,"endTime":896.32,"body":"no"},{"speaker":"SPEAKER_06","startTime":896.32,"endTime":896.64,"body":"more"},{"speaker":"SPEAKER_06","startTime":896.64,"endTime":896.96,"body":"than"},{"speaker":"SPEAKER_06","startTime":896.96,"endTime":898.0,"body":"forty-four"},{"speaker":"SPEAKER_06","startTime":898.0,"endTime":898.88,"body":"individual"},{"speaker":"SPEAKER_06","startTime":898.88,"endTime":899.6,"body":"stocks."},{"speaker":"SPEAKER_06","startTime":901.2,"endTime":901.36,"body":"You"},{"speaker":"SPEAKER_06","startTime":901.6,"endTime":901.92,"body":"often"},{"speaker":"SPEAKER_06","startTime":901.92,"endTime":902.24,"body":"talk"},{"speaker":"SPEAKER_06","startTime":902.24,"endTime":902.48,"body":"about"},{"speaker":"SPEAKER_06","startTime":902.48,"endTime":902.96,"body":"VT"},{"speaker":"SPEAKER_06","startTime":903.12,"endTime":903.28,"body":"and"},{"speaker":"SPEAKER_06","startTime":903.28,"endTime":903.44,"body":"the"},{"speaker":"SPEAKER_06","startTime":903.44,"endTime":904.4,"body":"8,000"},{"speaker":"SPEAKER_06","startTime":904.72,"endTime":905.6,"body":"stocks"},{"speaker":"SPEAKER_06","startTime":906.24,"endTime":906.56,"body":"in"},{"speaker":"SPEAKER_06","startTime":906.8,"endTime":907.04,"body":"that"},{"speaker":"SPEAKER_06","startTime":907.04,"endTime":907.2,"body":"uh"},{"speaker":"SPEAKER_06","startTime":907.44,"endTime":908.16,"body":"security."},{"speaker":"SPEAKER_06","startTime":908.64,"endTime":908.88,"body":"I'm"},{"speaker":"SPEAKER_06","startTime":908.88,"endTime":909.04,"body":"just"},{"speaker":"SPEAKER_06","startTime":909.04,"endTime":909.44,"body":"wondering"},{"speaker":"SPEAKER_06","startTime":909.44,"endTime":909.6,"body":"if"},{"speaker":"SPEAKER_06","startTime":909.6,"endTime":909.76,"body":"you"},{"speaker":"SPEAKER_06","startTime":909.76,"endTime":910.0,"body":"could"},{"speaker":"SPEAKER_06","startTime":910.0,"endTime":910.24,"body":"look"},{"speaker":"SPEAKER_06","startTime":910.24,"endTime":910.48,"body":"at"},{"speaker":"SPEAKER_06","startTime":910.48,"endTime":910.8,"body":"this"},{"speaker":"SPEAKER_06","startTime":910.8,"endTime":911.44,"body":"chart"},{"speaker":"SPEAKER_06","startTime":911.92,"endTime":912.24,"body":"and"},{"speaker":"SPEAKER_06","startTime":912.24,"endTime":912.56,"body":"let"},{"speaker":"SPEAKER_06","startTime":912.56,"endTime":912.88,"body":"me"},{"speaker":"SPEAKER_06","startTime":912.88,"endTime":913.2,"body":"know"},{"speaker":"SPEAKER_06","startTime":913.2,"endTime":913.36,"body":"if"},{"speaker":"SPEAKER_06","startTime":913.36,"endTime":913.84,"body":"there's"},{"speaker":"SPEAKER_06","startTime":913.84,"endTime":914.64,"body":"anything"},{"speaker":"SPEAKER_06","startTime":914.64,"endTime":914.96,"body":"about"},{"speaker":"SPEAKER_06","startTime":915.84,"endTime":916.16,"body":"that"},{"speaker":"SPEAKER_06","startTime":916.16,"endTime":916.8,"body":"44"},{"speaker":"SPEAKER_06","startTime":916.96,"endTime":917.44,"body":"number"},{"speaker":"SPEAKER_06","startTime":917.44,"endTime":917.76,"body":"that"},{"speaker":"SPEAKER_06","startTime":917.76,"endTime":917.92,"body":"is"},{"speaker":"SPEAKER_06","startTime":918.32,"endTime":918.96,"body":"magical."},{"speaker":"SPEAKER_06","startTime":923.36,"endTime":923.92,"body":"Pause"},{"speaker":"SPEAKER_06","startTime":923.92,"endTime":924.24,"body":"here"},{"speaker":"SPEAKER_06","startTime":924.24,"endTime":924.48,"body":"for"},{"speaker":"SPEAKER_06","startTime":924.48,"endTime":924.72,"body":"the"},{"speaker":"SPEAKER_06","startTime":924.72,"endTime":925.36,"body":"second"},{"speaker":"SPEAKER_06","startTime":925.36,"endTime":925.68,"body":"part."},{"speaker":"SPEAKER_06","startTime":928.0,"endTime":928.24,"body":"And"},{"speaker":"SPEAKER_06","startTime":928.24,"endTime":928.56,"body":"I"},{"speaker":"SPEAKER_06","startTime":928.56,"endTime":928.72,"body":"think"},{"speaker":"SPEAKER_06","startTime":928.72,"endTime":929.04,"body":"it"},{"speaker":"SPEAKER_06","startTime":929.04,"endTime":929.28,"body":"is"},{"speaker":"SPEAKER_06","startTime":929.36,"endTime":929.68,"body":"I'm"},{"speaker":"SPEAKER_06","startTime":929.68,"endTime":930.08,"body":"gonna"},{"speaker":"SPEAKER_06","startTime":930.08,"endTime":930.24,"body":"say"},{"speaker":"SPEAKER_06","startTime":930.64,"endTime":931.28,"body":"Professor"},{"speaker":"SPEAKER_06","startTime":931.28,"endTime":932.48,"body":"Bessenbinder"},{"speaker":"SPEAKER_06","startTime":933.28,"endTime":933.76,"body":"whose"},{"speaker":"SPEAKER_06","startTime":933.76,"endTime":934.08,"body":"work"},{"speaker":"SPEAKER_06","startTime":934.08,"endTime":934.4,"body":"you"},{"speaker":"SPEAKER_06","startTime":934.4,"endTime":934.56,"body":"have"},{"speaker":"SPEAKER_06","startTime":934.56,"endTime":935.2,"body":"talked"},{"speaker":"SPEAKER_06","startTime":935.2,"endTime":935.52,"body":"about"},{"speaker":"SPEAKER_06","startTime":935.84,"endTime":936.16,"body":"that"},{"speaker":"SPEAKER_06","startTime":936.16,"endTime":936.8,"body":"talks"},{"speaker":"SPEAKER_06","startTime":936.8,"endTime":937.12,"body":"about"},{"speaker":"SPEAKER_06","startTime":937.44,"endTime":937.6,"body":"the"},{"speaker":"SPEAKER_06","startTime":938.48,"endTime":939.2,"body":"lion's"},{"speaker":"SPEAKER_06","startTime":939.2,"endTime":939.6,"body":"share"},{"speaker":"SPEAKER_06","startTime":939.6,"endTime":939.84,"body":"of"},{"speaker":"SPEAKER_06","startTime":939.84,"endTime":940.16,"body":"all"},{"speaker":"SPEAKER_06","startTime":940.16,"endTime":940.48,"body":"market"},{"speaker":"SPEAKER_06","startTime":940.64,"endTime":941.6,"body":"returns"},{"speaker":"SPEAKER_06","startTime":941.92,"endTime":942.24,"body":"are"},{"speaker":"SPEAKER_06","startTime":942.24,"endTime":943.44,"body":"attributable"},{"speaker":"SPEAKER_06","startTime":944.4,"endTime":944.72,"body":"to"},{"speaker":"SPEAKER_06","startTime":945.04,"endTime":945.52,"body":"four"},{"speaker":"SPEAKER_06","startTime":945.52,"endTime":945.92,"body":"percent"},{"speaker":"SPEAKER_06","startTime":945.92,"endTime":946.24,"body":"of"},{"speaker":"SPEAKER_06","startTime":946.24,"endTime":946.8,"body":"stocks."},{"speaker":"SPEAKER_06","startTime":947.04,"endTime":947.2,"body":"I"},{"speaker":"SPEAKER_06","startTime":947.2,"endTime":947.52,"body":"can't"},{"speaker":"SPEAKER_06","startTime":947.52,"endTime":947.76,"body":"remember"},{"speaker":"SPEAKER_06","startTime":947.76,"endTime":947.92,"body":"the"},{"speaker":"SPEAKER_06","startTime":947.92,"endTime":948.24,"body":"exact"},{"speaker":"SPEAKER_06","startTime":948.24,"endTime":948.48,"body":"number,"},{"speaker":"SPEAKER_06","startTime":948.56,"endTime":948.72,"body":"but"},{"speaker":"SPEAKER_06","startTime":948.72,"endTime":948.96,"body":"it's"},{"speaker":"SPEAKER_06","startTime":948.96,"endTime":949.04,"body":"a"},{"speaker":"SPEAKER_06","startTime":949.04,"endTime":949.28,"body":"pretty"},{"speaker":"SPEAKER_06","startTime":949.28,"endTime":949.68,"body":"low"},{"speaker":"SPEAKER_06","startTime":949.68,"endTime":950.16,"body":"amount."},{"speaker":"SPEAKER_06","startTime":952.32,"endTime":952.64,"body":"So"},{"speaker":"SPEAKER_06","startTime":952.8,"endTime":953.36,"body":"I'm"},{"speaker":"SPEAKER_06","startTime":953.36,"endTime":953.84,"body":"seeing"},{"speaker":"SPEAKER_06","startTime":953.84,"endTime":954.0,"body":"in"},{"speaker":"SPEAKER_06","startTime":954.0,"endTime":954.24,"body":"the"},{"speaker":"SPEAKER_06","startTime":954.24,"endTime":955.12,"body":"documentary"},{"speaker":"SPEAKER_06","startTime":955.36,"endTime":955.68,"body":"this"},{"speaker":"SPEAKER_06","startTime":955.84,"endTime":956.64,"body":"forty-four"},{"speaker":"SPEAKER_06","startTime":956.64,"endTime":957.2,"body":"stocks,"},{"speaker":"SPEAKER_06","startTime":957.6,"endTime":958.8,"body":"diversifiable"},{"speaker":"SPEAKER_06","startTime":958.8,"endTime":959.28,"body":"risk,"},{"speaker":"SPEAKER_06","startTime":960.16,"endTime":960.8,"body":"thinking"},{"speaker":"SPEAKER_06","startTime":960.8,"endTime":961.12,"body":"about"},{"speaker":"SPEAKER_06","startTime":961.44,"endTime":962.08,"body":"VT,"},{"speaker":"SPEAKER_06","startTime":962.72,"endTime":963.52,"body":"overthinking"},{"speaker":"SPEAKER_06","startTime":963.6,"endTime":963.92,"body":"maybe,"},{"speaker":"SPEAKER_06","startTime":964.08,"endTime":964.48,"body":"yeah,"},{"speaker":"SPEAKER_06","startTime":964.72,"endTime":965.04,"body":"uh"},{"speaker":"SPEAKER_06","startTime":965.76,"endTime":966.24,"body":"being"},{"speaker":"SPEAKER_06","startTime":966.24,"endTime":967.2,"body":"8,000"},{"speaker":"SPEAKER_06","startTime":967.2,"endTime":967.76,"body":"stocks,"},{"speaker":"SPEAKER_06","startTime":968.16,"endTime":968.48,"body":"and"},{"speaker":"SPEAKER_06","startTime":968.48,"endTime":969.36,"body":"wondering"},{"speaker":"SPEAKER_06","startTime":969.36,"endTime":970.0,"body":"why"},{"speaker":"SPEAKER_06","startTime":971.2,"endTime":971.52,"body":"um"},{"speaker":"SPEAKER_06","startTime":972.8,"endTime":973.28,"body":"why"},{"speaker":"SPEAKER_06","startTime":973.28,"endTime":973.52,"body":"this"},{"speaker":"SPEAKER_06","startTime":973.52,"endTime":973.68,"body":"is"},{"speaker":"SPEAKER_06","startTime":973.68,"endTime":973.92,"body":"the"},{"speaker":"SPEAKER_06","startTime":973.92,"endTime":974.24,"body":"case."},{"speaker":"SPEAKER_06","startTime":974.4,"endTime":974.72,"body":"Like"},{"speaker":"SPEAKER_06","startTime":975.04,"endTime":975.52,"body":"what's"},{"speaker":"SPEAKER_06","startTime":975.52,"endTime":975.76,"body":"the"},{"speaker":"SPEAKER_06","startTime":975.76,"endTime":976.32,"body":"difference"},{"speaker":"SPEAKER_06","startTime":976.32,"endTime":976.88,"body":"between"},{"speaker":"SPEAKER_06","startTime":977.44,"endTime":978.08,"body":"forty-four"},{"speaker":"SPEAKER_06","startTime":978.24,"endTime":978.4,"body":"and"},{"speaker":"SPEAKER_06","startTime":978.4,"endTime":978.72,"body":"eight"},{"speaker":"SPEAKER_06","startTime":978.72,"endTime":979.28,"body":"thousand"},{"speaker":"SPEAKER_06","startTime":979.44,"endTime":979.76,"body":"in"},{"speaker":"SPEAKER_06","startTime":979.76,"endTime":980.08,"body":"this"},{"speaker":"SPEAKER_06","startTime":980.08,"endTime":980.48,"body":"case?"},{"speaker":"SPEAKER_06","startTime":982.08,"endTime":983.2,"body":"Concentration"},{"speaker":"SPEAKER_06","startTime":983.2,"endTime":984.0,"body":"improves"},{"speaker":"SPEAKER_06","startTime":984.0,"endTime":984.64,"body":"returns"},{"speaker":"SPEAKER_06","startTime":985.04,"endTime":985.28,"body":"if"},{"speaker":"SPEAKER_06","startTime":985.28,"endTime":985.44,"body":"you"},{"speaker":"SPEAKER_06","startTime":985.44,"endTime":985.68,"body":"pick"},{"speaker":"SPEAKER_06","startTime":985.76,"endTime":985.92,"body":"the"},{"speaker":"SPEAKER_06","startTime":985.92,"endTime":986.16,"body":"right"},{"speaker":"SPEAKER_06","startTime":986.16,"endTime":986.48,"body":"four"},{"speaker":"SPEAKER_06","startTime":986.48,"endTime":986.88,"body":"percent."},{"speaker":"SPEAKER_01","startTime":987.68,"endTime":988.0,"body":"Oh!"},{"speaker":"SPEAKER_01","startTime":988.64,"endTime":988.88,"body":"You"},{"speaker":"SPEAKER_01","startTime":989.12,"endTime":989.44,"body":"just"},{"speaker":"SPEAKER_01","startTime":989.6,"endTime":989.92,"body":"you"},{"speaker":"SPEAKER_01","startTime":989.92,"endTime":990.16,"body":"just"},{"speaker":"SPEAKER_01","startTime":990.16,"endTime":990.56,"body":"broke"},{"speaker":"SPEAKER_01","startTime":990.56,"endTime":990.8,"body":"the"},{"speaker":"SPEAKER_01","startTime":990.8,"endTime":991.12,"body":"code"},{"speaker":"SPEAKER_01","startTime":991.12,"endTime":991.44,"body":"right"},{"speaker":"SPEAKER_01","startTime":991.44,"endTime":991.68,"body":"there"},{"speaker":"SPEAKER_01","startTime":991.68,"endTime":991.92,"body":"at"},{"speaker":"SPEAKER_01","startTime":991.92,"endTime":992.24,"body":"the"},{"speaker":"SPEAKER_01","startTime":992.24,"endTime":992.56,"body":"end."},{"speaker":"SPEAKER_01","startTime":993.52,"endTime":993.92,"body":"What"},{"speaker":"SPEAKER_01","startTime":993.92,"endTime":994.24,"body":"did"},{"speaker":"SPEAKER_01","startTime":994.24,"endTime":994.56,"body":"you"},{"speaker":"SPEAKER_01","startTime":994.56,"endTime":994.88,"body":"say?"},{"speaker":"SPEAKER_01","startTime":996.0,"endTime":996.64,"body":"If"},{"speaker":"SPEAKER_01","startTime":996.96,"endTime":997.28,"body":"you"},{"speaker":"SPEAKER_01","startTime":997.28,"endTime":997.92,"body":"pick"},{"speaker":"SPEAKER_01","startTime":997.92,"endTime":998.24,"body":"the"},{"speaker":"SPEAKER_01","startTime":998.24,"endTime":998.56,"body":"right"},{"speaker":"SPEAKER_01","startTime":998.88,"endTime":999.68,"body":"stocks,"},{"speaker":"SPEAKER_01","startTime":1000.08,"endTime":1000.4,"body":"and"},{"speaker":"SPEAKER_01","startTime":1000.4,"endTime":1001.04,"body":"here's"},{"speaker":"SPEAKER_01","startTime":1001.04,"endTime":1001.36,"body":"where"},{"speaker":"SPEAKER_01","startTime":1001.36,"endTime":1002.08,"body":"listening"},{"speaker":"SPEAKER_01","startTime":1002.08,"endTime":1002.4,"body":"to"},{"speaker":"SPEAKER_01","startTime":1002.4,"endTime":1003.36,"body":"snippets"},{"speaker":"SPEAKER_01","startTime":1003.6,"endTime":1003.92,"body":"and"},{"speaker":"SPEAKER_01","startTime":1003.92,"endTime":1004.4,"body":"reading"},{"speaker":"SPEAKER_01","startTime":1004.4,"endTime":1005.04,"body":"headlines"},{"speaker":"SPEAKER_01","startTime":1005.04,"endTime":1005.36,"body":"gets"},{"speaker":"SPEAKER_01","startTime":1005.36,"endTime":1005.52,"body":"us"},{"speaker":"SPEAKER_01","startTime":1005.52,"endTime":1005.6,"body":"in"},{"speaker":"SPEAKER_01","startTime":1005.6,"endTime":1005.84,"body":"trouble."},{"speaker":"SPEAKER_01","startTime":1006.0,"endTime":1006.16,"body":"We"},{"speaker":"SPEAKER_01","startTime":1006.16,"endTime":1006.32,"body":"have"},{"speaker":"SPEAKER_01","startTime":1006.32,"endTime":1006.48,"body":"these"},{"speaker":"SPEAKER_01","startTime":1006.48,"endTime":1006.8,"body":"big"},{"speaker":"SPEAKER_01","startTime":1006.8,"endTime":1007.2,"body":"brains,"},{"speaker":"SPEAKER_01","startTime":1007.36,"endTime":1007.6,"body":"but"},{"speaker":"SPEAKER_01","startTime":1007.6,"endTime":1008.24,"body":"sometimes,"},{"speaker":"SPEAKER_01","startTime":1008.4,"endTime":1008.64,"body":"well,"},{"speaker":"SPEAKER_01","startTime":1008.8,"endTime":1009.12,"body":"most"},{"speaker":"SPEAKER_01","startTime":1009.12,"endTime":1009.2,"body":"of"},{"speaker":"SPEAKER_01","startTime":1009.2,"endTime":1009.36,"body":"the"},{"speaker":"SPEAKER_01","startTime":1009.36,"endTime":1009.52,"body":"time,"},{"speaker":"SPEAKER_01","startTime":1009.68,"endTime":1009.76,"body":"we"},{"speaker":"SPEAKER_01","startTime":1009.76,"endTime":1010.0,"body":"don't"},{"speaker":"SPEAKER_01","startTime":1010.0,"endTime":1010.16,"body":"want"},{"speaker":"SPEAKER_01","startTime":1010.16,"endTime":1010.24,"body":"to"},{"speaker":"SPEAKER_01","startTime":1010.24,"endTime":1010.56,"body":"dig"},{"speaker":"SPEAKER_01","startTime":1010.56,"endTime":1010.72,"body":"into"},{"speaker":"SPEAKER_01","startTime":1010.72,"endTime":1010.88,"body":"the"},{"speaker":"SPEAKER_01","startTime":1010.88,"endTime":1011.2,"body":"data"},{"speaker":"SPEAKER_01","startTime":1011.2,"endTime":1011.36,"body":"to"},{"speaker":"SPEAKER_01","startTime":1011.36,"endTime":1011.52,"body":"try"},{"speaker":"SPEAKER_01","startTime":1011.52,"endTime":1011.6,"body":"to"},{"speaker":"SPEAKER_01","startTime":1011.6,"endTime":1011.84,"body":"figure"},{"speaker":"SPEAKER_01","startTime":1011.84,"endTime":1012.0,"body":"out"},{"speaker":"SPEAKER_01","startTime":1012.0,"endTime":1012.24,"body":"how"},{"speaker":"SPEAKER_01","startTime":1012.24,"endTime":1012.48,"body":"all"},{"speaker":"SPEAKER_01","startTime":1012.48,"endTime":1012.64,"body":"this"},{"speaker":"SPEAKER_01","startTime":1012.64,"endTime":1012.88,"body":"stuff"},{"speaker":"SPEAKER_01","startTime":1012.88,"endTime":1013.12,"body":"was"},{"speaker":"SPEAKER_01","startTime":1013.12,"endTime":1013.6,"body":"arrived"},{"speaker":"SPEAKER_01","startTime":1013.6,"endTime":1013.84,"body":"at."},{"speaker":"SPEAKER_01","startTime":1014.16,"endTime":1016.08,"body":"Bessenbinder's"},{"speaker":"SPEAKER_01","startTime":1016.4,"endTime":1017.36,"body":"conclusion"},{"speaker":"SPEAKER_01","startTime":1018.0,"endTime":1018.32,"body":"is"},{"speaker":"SPEAKER_01","startTime":1018.32,"endTime":1018.64,"body":"that"},{"speaker":"SPEAKER_01","startTime":1018.88,"endTime":1019.2,"body":"you"},{"speaker":"SPEAKER_01","startTime":1019.2,"endTime":1019.84,"body":"cannot"},{"speaker":"SPEAKER_01","startTime":1019.84,"endTime":1020.64,"body":"possibly"},{"speaker":"SPEAKER_01","startTime":1020.64,"endTime":1021.28,"body":"pick"},{"speaker":"SPEAKER_01","startTime":1021.28,"endTime":1021.84,"body":"those"},{"speaker":"SPEAKER_01","startTime":1021.84,"endTime":1022.16,"body":"best"},{"speaker":"SPEAKER_01","startTime":1022.16,"endTime":1022.56,"body":"4%"},{"speaker":"SPEAKER_01","startTime":1022.88,"endTime":1023.12,"body":"in"},{"speaker":"SPEAKER_01","startTime":1023.12,"endTime":1023.36,"body":"any"},{"speaker":"SPEAKER_01","startTime":1023.36,"endTime":1023.76,"body":"given"},{"speaker":"SPEAKER_01","startTime":1023.76,"endTime":1024.08,"body":"year."},{"speaker":"SPEAKER_01","startTime":1024.4,"endTime":1024.72,"body":"You"},{"speaker":"SPEAKER_01","startTime":1024.72,"endTime":1025.52,"body":"cannot"},{"speaker":"SPEAKER_01","startTime":1025.52,"endTime":1025.84,"body":"do"},{"speaker":"SPEAKER_01","startTime":1025.84,"endTime":1026.08,"body":"it."},{"speaker":"SPEAKER_01","startTime":1026.24,"endTime":1027.12,"body":"Therefore,"},{"speaker":"SPEAKER_01","startTime":1027.36,"endTime":1027.68,"body":"you"},{"speaker":"SPEAKER_01","startTime":1027.68,"endTime":1028.0,"body":"must"},{"speaker":"SPEAKER_01","startTime":1028.0,"endTime":1028.32,"body":"own"},{"speaker":"SPEAKER_01","startTime":1028.32,"endTime":1028.56,"body":"them"},{"speaker":"SPEAKER_01","startTime":1028.56,"endTime":1028.8,"body":"all"},{"speaker":"SPEAKER_01","startTime":1028.8,"endTime":1029.04,"body":"to"},{"speaker":"SPEAKER_01","startTime":1029.04,"endTime":1029.2,"body":"get"},{"speaker":"SPEAKER_01","startTime":1029.2,"endTime":1029.44,"body":"the"},{"speaker":"SPEAKER_01","startTime":1029.44,"endTime":1030.0,"body":"benefit"},{"speaker":"SPEAKER_01","startTime":1030.0,"endTime":1030.16,"body":"of"},{"speaker":"SPEAKER_01","startTime":1030.16,"endTime":1030.56,"body":"those"},{"speaker":"SPEAKER_01","startTime":1030.56,"endTime":1030.96,"body":"4%."},{"speaker":"SPEAKER_01","startTime":1032.32,"endTime":1032.8,"body":"Harry"},{"speaker":"SPEAKER_01","startTime":1032.8,"endTime":1033.68,"body":"Markowitz"},{"speaker":"SPEAKER_01","startTime":1033.68,"endTime":1033.84,"body":"came"},{"speaker":"SPEAKER_01","startTime":1033.84,"endTime":1034.0,"body":"up"},{"speaker":"SPEAKER_01","startTime":1034.0,"endTime":1034.08,"body":"with"},{"speaker":"SPEAKER_01","startTime":1034.08,"endTime":1034.32,"body":"the"},{"speaker":"SPEAKER_01","startTime":1034.32,"endTime":1034.96,"body":"44"},{"speaker":"SPEAKER_01","startTime":1035.28,"endTime":1035.92,"body":"number,"},{"speaker":"SPEAKER_01","startTime":1036.24,"endTime":1036.56,"body":"just"},{"speaker":"SPEAKER_01","startTime":1036.56,"endTime":1037.28,"body":"playing"},{"speaker":"SPEAKER_01","startTime":1037.28,"endTime":1037.6,"body":"with"},{"speaker":"SPEAKER_01","startTime":1037.6,"endTime":1038.24,"body":"math,"},{"speaker":"SPEAKER_01","startTime":1038.56,"endTime":1038.88,"body":"because"},{"speaker":"SPEAKER_01","startTime":1038.88,"endTime":1039.04,"body":"he"},{"speaker":"SPEAKER_01","startTime":1039.04,"endTime":1039.28,"body":"found"},{"speaker":"SPEAKER_01","startTime":1039.28,"endTime":1039.52,"body":"that"},{"speaker":"SPEAKER_01","startTime":1039.52,"endTime":1040.32,"body":"44"},{"speaker":"SPEAKER_01","startTime":1040.32,"endTime":1040.96,"body":"stocks,"},{"speaker":"SPEAKER_01","startTime":1041.2,"endTime":1041.44,"body":"the"},{"speaker":"SPEAKER_01","startTime":1041.44,"endTime":1041.76,"body":"right"},{"speaker":"SPEAKER_01","startTime":1041.76,"endTime":1042.4,"body":"44"},{"speaker":"SPEAKER_01","startTime":1042.4,"endTime":1042.8,"body":"stocks"},{"speaker":"SPEAKER_01","startTime":1042.88,"endTime":1043.12,"body":"at"},{"speaker":"SPEAKER_01","startTime":1043.12,"endTime":1043.36,"body":"any"},{"speaker":"SPEAKER_01","startTime":1043.36,"endTime":1043.84,"body":"given"},{"speaker":"SPEAKER_01","startTime":1043.84,"endTime":1044.16,"body":"time,"},{"speaker":"SPEAKER_01","startTime":1044.4,"endTime":1044.64,"body":"were"},{"speaker":"SPEAKER_01","startTime":1044.64,"endTime":1045.12,"body":"enough"},{"speaker":"SPEAKER_01","startTime":1045.12,"endTime":1045.36,"body":"to"},{"speaker":"SPEAKER_01","startTime":1045.36,"endTime":1046.16,"body":"diversify"},{"speaker":"SPEAKER_01","startTime":1046.16,"endTime":1046.48,"body":"against"},{"speaker":"SPEAKER_01","startTime":1046.48,"endTime":1046.64,"body":"a"},{"speaker":"SPEAKER_01","startTime":1046.64,"endTime":1047.2,"body":"company"},{"speaker":"SPEAKER_01","startTime":1047.2,"endTime":1047.52,"body":"going"},{"speaker":"SPEAKER_01","startTime":1047.52,"endTime":1048.48,"body":"bankrupt."},{"speaker":"SPEAKER_01","startTime":1048.72,"endTime":1049.28,"body":"That's"},{"speaker":"SPEAKER_01","startTime":1049.28,"endTime":1049.52,"body":"all."},{"speaker":"SPEAKER_01","startTime":1049.76,"endTime":1050.24,"body":"That's"},{"speaker":"SPEAKER_01","startTime":1050.24,"endTime":1050.48,"body":"all"},{"speaker":"SPEAKER_01","startTime":1050.48,"endTime":1050.8,"body":"he's"},{"speaker":"SPEAKER_01","startTime":1050.8,"endTime":1051.12,"body":"talking"},{"speaker":"SPEAKER_01","startTime":1051.12,"endTime":1051.28,"body":"about."},{"speaker":"SPEAKER_01","startTime":1051.36,"endTime":1051.6,"body":"It"},{"speaker":"SPEAKER_01","startTime":1051.6,"endTime":1051.84,"body":"is"},{"speaker":"SPEAKER_01","startTime":1051.84,"endTime":1052.16,"body":"that"},{"speaker":"SPEAKER_01","startTime":1052.16,"endTime":1052.8,"body":"narrow."},{"speaker":"SPEAKER_01","startTime":1053.52,"endTime":1054.08,"body":"There's"},{"speaker":"SPEAKER_01","startTime":1054.08,"endTime":1054.32,"body":"no"},{"speaker":"SPEAKER_01","startTime":1054.32,"endTime":1054.72,"body":"magic"},{"speaker":"SPEAKER_01","startTime":1054.72,"endTime":1054.88,"body":"to"},{"speaker":"SPEAKER_01","startTime":1054.88,"endTime":1055.04,"body":"it."},{"speaker":"SPEAKER_01","startTime":1055.12,"endTime":1055.36,"body":"He's"},{"speaker":"SPEAKER_01","startTime":1055.36,"endTime":1055.52,"body":"just"},{"speaker":"SPEAKER_01","startTime":1055.52,"endTime":1055.84,"body":"talking"},{"speaker":"SPEAKER_01","startTime":1055.84,"endTime":1056.0,"body":"about"},{"speaker":"SPEAKER_01","startTime":1056.0,"endTime":1056.96,"body":"company-specific"},{"speaker":"SPEAKER_01","startTime":1056.96,"endTime":1057.2,"body":"risk,"},{"speaker":"SPEAKER_01","startTime":1057.28,"endTime":1057.44,"body":"where"},{"speaker":"SPEAKER_01","startTime":1057.44,"endTime":1057.6,"body":"you"},{"speaker":"SPEAKER_01","startTime":1057.6,"endTime":1057.76,"body":"could"},{"speaker":"SPEAKER_01","startTime":1057.76,"endTime":1058.0,"body":"lose"},{"speaker":"SPEAKER_01","startTime":1058.0,"endTime":1058.16,"body":"all"},{"speaker":"SPEAKER_01","startTime":1058.16,"endTime":1058.32,"body":"your"},{"speaker":"SPEAKER_01","startTime":1058.32,"endTime":1058.56,"body":"money"},{"speaker":"SPEAKER_01","startTime":1058.56,"endTime":1058.72,"body":"if"},{"speaker":"SPEAKER_01","startTime":1058.72,"endTime":1058.8,"body":"a"},{"speaker":"SPEAKER_01","startTime":1058.8,"endTime":1059.12,"body":"company"},{"speaker":"SPEAKER_01","startTime":1059.12,"endTime":1059.6,"body":"fails."},{"speaker":"SPEAKER_01","startTime":1059.84,"endTime":1060.4,"body":"One"},{"speaker":"SPEAKER_01","startTime":1060.4,"endTime":1060.88,"body":"stock,"},{"speaker":"SPEAKER_01","startTime":1061.12,"endTime":1061.6,"body":"lots"},{"speaker":"SPEAKER_01","startTime":1061.6,"endTime":1061.84,"body":"of"},{"speaker":"SPEAKER_01","startTime":1061.84,"endTime":1062.24,"body":"risk."},{"speaker":"SPEAKER_01","startTime":1062.48,"endTime":1063.28,"body":"44,"},{"speaker":"SPEAKER_01","startTime":1063.84,"endTime":1064.16,"body":"not"},{"speaker":"SPEAKER_01","startTime":1064.16,"endTime":1064.48,"body":"much."},{"speaker":"SPEAKER_01","startTime":1065.2,"endTime":1066.64,"body":"8,500,"},{"speaker":"SPEAKER_01","startTime":1068.24,"endTime":1069.68,"body":"non-existent."},{"speaker":"SPEAKER_01","startTime":1069.92,"endTime":1070.16,"body":"You"},{"speaker":"SPEAKER_01","startTime":1070.16,"endTime":1070.56,"body":"don't"},{"speaker":"SPEAKER_01","startTime":1070.56,"endTime":1070.96,"body":"feel"},{"speaker":"SPEAKER_01","startTime":1070.96,"endTime":1071.2,"body":"it"},{"speaker":"SPEAKER_01","startTime":1071.2,"endTime":1071.52,"body":"at"},{"speaker":"SPEAKER_01","startTime":1071.52,"endTime":1071.84,"body":"all."},{"speaker":"SPEAKER_01","startTime":1072.56,"endTime":1072.96,"body":"If"},{"speaker":"SPEAKER_01","startTime":1072.96,"endTime":1073.2,"body":"you"},{"speaker":"SPEAKER_01","startTime":1073.2,"endTime":1073.52,"body":"just"},{"speaker":"SPEAKER_01","startTime":1073.52,"endTime":1073.76,"body":"look"},{"speaker":"SPEAKER_01","startTime":1073.76,"endTime":1074.0,"body":"at"},{"speaker":"SPEAKER_01","startTime":1074.0,"endTime":1074.4,"body":"those"},{"speaker":"SPEAKER_01","startTime":1074.4,"endTime":1075.04,"body":"facts,"},{"speaker":"SPEAKER_01","startTime":1075.6,"endTime":1075.92,"body":"then"},{"speaker":"SPEAKER_01","startTime":1075.92,"endTime":1076.24,"body":"you"},{"speaker":"SPEAKER_01","startTime":1076.24,"endTime":1076.48,"body":"think,"},{"speaker":"SPEAKER_01","startTime":1076.64,"endTime":1076.8,"body":"well,"},{"speaker":"SPEAKER_01","startTime":1076.96,"endTime":1077.28,"body":"okay,"},{"speaker":"SPEAKER_01","startTime":1077.36,"endTime":1077.6,"body":"then"},{"speaker":"SPEAKER_01","startTime":1077.6,"endTime":1077.76,"body":"I"},{"speaker":"SPEAKER_01","startTime":1077.76,"endTime":1077.92,"body":"only"},{"speaker":"SPEAKER_01","startTime":1077.92,"endTime":1078.08,"body":"need"},{"speaker":"SPEAKER_01","startTime":1078.08,"endTime":1078.64,"body":"44"},{"speaker":"SPEAKER_01","startTime":1078.64,"endTime":1078.88,"body":"stocks,"},{"speaker":"SPEAKER_01","startTime":1079.04,"endTime":1079.2,"body":"or"},{"speaker":"SPEAKER_01","startTime":1079.2,"endTime":1079.44,"body":"I"},{"speaker":"SPEAKER_01","startTime":1079.44,"endTime":1079.6,"body":"only"},{"speaker":"SPEAKER_01","startTime":1079.6,"endTime":1079.76,"body":"need"},{"speaker":"SPEAKER_01","startTime":1079.76,"endTime":1080.0,"body":"4%"},{"speaker":"SPEAKER_01","startTime":1080.32,"endTime":1080.4,"body":"of"},{"speaker":"SPEAKER_01","startTime":1080.4,"endTime":1080.64,"body":"the"},{"speaker":"SPEAKER_01","startTime":1080.64,"endTime":1080.96,"body":"market."},{"speaker":"SPEAKER_01","startTime":1081.12,"endTime":1081.36,"body":"No,"},{"speaker":"SPEAKER_01","startTime":1081.44,"endTime":1081.6,"body":"no,"},{"speaker":"SPEAKER_01","startTime":1081.68,"endTime":1081.76,"body":"no,"},{"speaker":"SPEAKER_01","startTime":1081.84,"endTime":1082.0,"body":"no,"},{"speaker":"SPEAKER_01","startTime":1082.08,"endTime":1082.16,"body":"no,"},{"speaker":"SPEAKER_01","startTime":1082.32,"endTime":1082.4,"body":"no."},{"speaker":"SPEAKER_01","startTime":1082.56,"endTime":1083.04,"body":"Both"},{"speaker":"SPEAKER_01","startTime":1083.04,"endTime":1083.36,"body":"men."},{"speaker":"SPEAKER_01","startTime":1084.0,"endTime":1084.96,"body":"Markowitz"},{"speaker":"SPEAKER_01","startTime":1084.96,"endTime":1085.04,"body":"is"},{"speaker":"SPEAKER_01","startTime":1085.04,"endTime":1085.12,"body":"no"},{"speaker":"SPEAKER_01","startTime":1085.12,"endTime":1085.36,"body":"longer"},{"speaker":"SPEAKER_01","startTime":1085.36,"endTime":1085.52,"body":"with"},{"speaker":"SPEAKER_01","startTime":1085.52,"endTime":1085.68,"body":"us,"},{"speaker":"SPEAKER_01","startTime":1085.76,"endTime":1086.0,"body":"but"},{"speaker":"SPEAKER_01","startTime":1086.0,"endTime":1086.4,"body":"both"},{"speaker":"SPEAKER_01","startTime":1086.4,"endTime":1086.72,"body":"men"},{"speaker":"SPEAKER_01","startTime":1086.72,"endTime":1086.96,"body":"would"},{"speaker":"SPEAKER_01","startTime":1086.96,"endTime":1087.52,"body":"argue."},{"speaker":"SPEAKER_01","startTime":1087.84,"endTime":1088.08,"body":"You"},{"speaker":"SPEAKER_01","startTime":1088.08,"endTime":1088.56,"body":"can't"},{"speaker":"SPEAKER_01","startTime":1088.56,"endTime":1088.8,"body":"do"},{"speaker":"SPEAKER_01","startTime":1088.8,"endTime":1088.96,"body":"it."},{"speaker":"SPEAKER_01","startTime":1089.12,"endTime":1089.44,"body":"It's"},{"speaker":"SPEAKER_01","startTime":1089.44,"endTime":1089.6,"body":"just"},{"speaker":"SPEAKER_01","startTime":1089.6,"endTime":1089.76,"body":"a"},{"speaker":"SPEAKER_01","startTime":1089.76,"endTime":1090.16,"body":"number."},{"speaker":"SPEAKER_01","startTime":1090.24,"endTime":1090.48,"body":"It's"},{"speaker":"SPEAKER_01","startTime":1090.48,"endTime":1090.64,"body":"a"},{"speaker":"SPEAKER_01","startTime":1090.64,"endTime":1091.36,"body":"mathematical"},{"speaker":"SPEAKER_01","startTime":1091.36,"endTime":1092.0,"body":"exercise"},{"speaker":"SPEAKER_01","startTime":1092.0,"endTime":1092.4,"body":"designed"},{"speaker":"SPEAKER_01","startTime":1092.4,"endTime":1092.56,"body":"to"},{"speaker":"SPEAKER_01","startTime":1092.56,"endTime":1092.88,"body":"prove"},{"speaker":"SPEAKER_01","startTime":1092.88,"endTime":1093.2,"body":"the"},{"speaker":"SPEAKER_01","startTime":1093.2,"endTime":1093.52,"body":"point"},{"speaker":"SPEAKER_01","startTime":1093.52,"endTime":1093.76,"body":"that"},{"speaker":"SPEAKER_01","startTime":1093.76,"endTime":1094.0,"body":"you"},{"speaker":"SPEAKER_01","startTime":1094.0,"endTime":1094.32,"body":"better"},{"speaker":"SPEAKER_01","startTime":1094.32,"endTime":1094.56,"body":"own"},{"speaker":"SPEAKER_01","startTime":1094.56,"endTime":1094.64,"body":"the"},{"speaker":"SPEAKER_01","startTime":1094.64,"endTime":1094.96,"body":"whole"},{"speaker":"SPEAKER_01","startTime":1094.96,"endTime":1095.28,"body":"market"},{"speaker":"SPEAKER_01","startTime":1095.28,"endTime":1095.52,"body":"because"},{"speaker":"SPEAKER_01","startTime":1095.52,"endTime":1095.84,"body":"you'll"},{"speaker":"SPEAKER_01","startTime":1095.84,"endTime":1096.16,"body":"never"},{"speaker":"SPEAKER_01","startTime":1096.16,"endTime":1096.32,"body":"know"},{"speaker":"SPEAKER_01","startTime":1096.32,"endTime":1096.48,"body":"which"},{"speaker":"SPEAKER_01","startTime":1096.96,"endTime":1097.36,"body":"companies"},{"speaker":"SPEAKER_01","startTime":1097.36,"endTime":1097.52,"body":"are"},{"speaker":"SPEAKER_01","startTime":1097.52,"endTime":1097.6,"body":"going"},{"speaker":"SPEAKER_01","startTime":1097.6,"endTime":1097.68,"body":"to"},{"speaker":"SPEAKER_01","startTime":1097.68,"endTime":1097.84,"body":"be"},{"speaker":"SPEAKER_01","startTime":1097.84,"endTime":1097.92,"body":"the"},{"speaker":"SPEAKER_01","startTime":1097.92,"endTime":1098.16,"body":"best"},{"speaker":"SPEAKER_01","startTime":1098.16,"endTime":1098.4,"body":"ones"},{"speaker":"SPEAKER_01","startTime":1098.4,"endTime":1098.64,"body":"in"},{"speaker":"SPEAKER_01","startTime":1098.64,"endTime":1098.8,"body":"any"},{"speaker":"SPEAKER_01","startTime":1098.8,"endTime":1099.2,"body":"given"},{"speaker":"SPEAKER_01","startTime":1099.2,"endTime":1099.6,"body":"period."},{"speaker":"SPEAKER_01","startTime":1099.84,"endTime":1100.16,"body":"Ever."},{"speaker":"SPEAKER_01","startTime":1100.32,"endTime":1100.48,"body":"You"},{"speaker":"SPEAKER_01","startTime":1100.48,"endTime":1100.72,"body":"will"},{"speaker":"SPEAKER_01","startTime":1100.72,"endTime":1100.88,"body":"not"},{"speaker":"SPEAKER_01","startTime":1100.88,"endTime":1101.04,"body":"know"},{"speaker":"SPEAKER_01","startTime":1101.04,"endTime":1101.2,"body":"it."},{"speaker":"SPEAKER_01","startTime":1101.36,"endTime":1101.6,"body":"Okay,"},{"speaker":"SPEAKER_01","startTime":1101.68,"endTime":1101.84,"body":"I"},{"speaker":"SPEAKER_01","startTime":1101.84,"endTime":1102.08,"body":"shouldn't"},{"speaker":"SPEAKER_01","startTime":1102.08,"endTime":1102.32,"body":"say"},{"speaker":"SPEAKER_01","startTime":1102.32,"endTime":1102.56,"body":"ever."},{"speaker":"SPEAKER_01","startTime":1102.72,"endTime":1102.96,"body":"You"},{"speaker":"SPEAKER_01","startTime":1102.96,"endTime":1103.28,"body":"might,"},{"speaker":"SPEAKER_01","startTime":1103.36,"endTime":1103.68,"body":"but"},{"speaker":"SPEAKER_01","startTime":1103.68,"endTime":1104.0,"body":"you"},{"speaker":"SPEAKER_01","startTime":1104.0,"endTime":1104.32,"body":"just"},{"speaker":"SPEAKER_01","startTime":1104.32,"endTime":1104.64,"body":"got"},{"speaker":"SPEAKER_01","startTime":1104.8,"endTime":1105.2,"body":"lucky"},{"speaker":"SPEAKER_01","startTime":1105.36,"endTime":1105.52,"body":"you"},{"speaker":"SPEAKER_01","startTime":1105.52,"endTime":1105.84,"body":"didn't"},{"speaker":"SPEAKER_01","startTime":1105.84,"endTime":1106.0,"body":"get"},{"speaker":"SPEAKER_01","startTime":1106.0,"endTime":1106.32,"body":"smart."},{"speaker":"SPEAKER_01","startTime":1106.4,"endTime":1106.64,"body":"You"},{"speaker":"SPEAKER_01","startTime":1106.64,"endTime":1107.04,"body":"can't"},{"speaker":"SPEAKER_01","startTime":1107.04,"endTime":1107.28,"body":"be"},{"speaker":"SPEAKER_01","startTime":1107.28,"endTime":1107.6,"body":"that"},{"speaker":"SPEAKER_01","startTime":1107.6,"endTime":1108.24,"body":"smart."},{"speaker":"SPEAKER_01","startTime":1108.64,"endTime":1108.96,"body":"So"},{"speaker":"SPEAKER_01","startTime":1109.36,"endTime":1110.0,"body":"that's"},{"speaker":"SPEAKER_01","startTime":1110.0,"endTime":1110.32,"body":"why."},{"speaker":"SPEAKER_01","startTime":1110.56,"endTime":1111.04,"body":"It's"},{"speaker":"SPEAKER_01","startTime":1111.04,"endTime":1111.36,"body":"just"},{"speaker":"SPEAKER_01","startTime":1111.52,"endTime":1111.76,"body":"it"},{"speaker":"SPEAKER_01","startTime":1111.76,"endTime":1112.0,"body":"was"},{"speaker":"SPEAKER_01","startTime":1112.0,"endTime":1112.16,"body":"just"},{"speaker":"SPEAKER_01","startTime":1112.16,"endTime":1112.4,"body":"a"},{"speaker":"SPEAKER_01","startTime":1112.4,"endTime":1112.88,"body":"numbers"},{"speaker":"SPEAKER_01","startTime":1112.88,"endTime":1113.36,"body":"exercise."},{"speaker":"SPEAKER_01","startTime":1113.44,"endTime":1113.68,"body":"It's"},{"speaker":"SPEAKER_01","startTime":1113.68,"endTime":1113.84,"body":"a"},{"speaker":"SPEAKER_01","startTime":1113.92,"endTime":1114.24,"body":"it's"},{"speaker":"SPEAKER_01","startTime":1114.24,"endTime":1114.56,"body":"what"},{"speaker":"SPEAKER_01","startTime":1114.56,"endTime":1115.52,"body":"economists"},{"speaker":"SPEAKER_01","startTime":1115.52,"endTime":1115.84,"body":"do."},{"speaker":"SPEAKER_01","startTime":1116.16,"endTime":1116.4,"body":"But"},{"speaker":"SPEAKER_01","startTime":1116.4,"endTime":1116.56,"body":"we"},{"speaker":"SPEAKER_01","startTime":1116.56,"endTime":1116.72,"body":"got"},{"speaker":"SPEAKER_01","startTime":1116.88,"endTime":1116.96,"body":"to"},{"speaker":"SPEAKER_01","startTime":1116.96,"endTime":1117.2,"body":"quit"},{"speaker":"SPEAKER_01","startTime":1117.2,"endTime":1117.6,"body":"thinking"},{"speaker":"SPEAKER_01","startTime":1117.6,"endTime":1117.76,"body":"so"},{"speaker":"SPEAKER_01","startTime":1117.76,"endTime":1118.0,"body":"much"},{"speaker":"SPEAKER_01","startTime":1118.0,"endTime":1118.24,"body":"about"},{"speaker":"SPEAKER_01","startTime":1118.24,"endTime":1118.4,"body":"this"},{"speaker":"SPEAKER_01","startTime":1118.4,"endTime":1118.8,"body":"stuff"},{"speaker":"SPEAKER_01","startTime":1118.96,"endTime":1119.28,"body":"and"},{"speaker":"SPEAKER_01","startTime":1119.28,"endTime":1120.08,"body":"realize"},{"speaker":"SPEAKER_01","startTime":1120.08,"endTime":1120.4,"body":"that"},{"speaker":"SPEAKER_01","startTime":1120.48,"endTime":1120.8,"body":"it"},{"speaker":"SPEAKER_01","startTime":1120.8,"endTime":1120.88,"body":"m"},{"speaker":"SPEAKER_01","startTime":1121.68,"endTime":1122.24,"body":"owning"},{"speaker":"SPEAKER_01","startTime":1122.24,"endTime":1122.4,"body":"a"},{"speaker":"SPEAKER_01","startTime":1122.4,"endTime":1122.96,"body":"diversified"},{"speaker":"SPEAKER_01","startTime":1122.96,"endTime":1123.6,"body":"portfolio,"},{"speaker":"SPEAKER_01","startTime":1123.68,"endTime":1123.84,"body":"you"},{"speaker":"SPEAKER_01","startTime":1123.84,"endTime":1124.0,"body":"don't"},{"speaker":"SPEAKER_01","startTime":1124.0,"endTime":1124.16,"body":"even"},{"speaker":"SPEAKER_01","startTime":1124.16,"endTime":1124.32,"body":"have"},{"speaker":"SPEAKER_01","startTime":1124.32,"endTime":1124.4,"body":"to"},{"speaker":"SPEAKER_01","startTime":1124.4,"endTime":1124.56,"body":"think"},{"speaker":"SPEAKER_01","startTime":1124.56,"endTime":1124.72,"body":"about"},{"speaker":"SPEAKER_01","startTime":1124.72,"endTime":1124.88,"body":"it"},{"speaker":"SPEAKER_01","startTime":1124.88,"endTime":1125.12,"body":"that"},{"speaker":"SPEAKER_01","startTime":1125.12,"endTime":1125.36,"body":"much."},{"speaker":"SPEAKER_01","startTime":1125.52,"endTime":1125.84,"body":"It"},{"speaker":"SPEAKER_01","startTime":1125.84,"endTime":1126.16,"body":"just"},{"speaker":"SPEAKER_01","startTime":1126.16,"endTime":1126.8,"body":"makes"},{"speaker":"SPEAKER_01","startTime":1126.8,"endTime":1127.44,"body":"sense."},{"speaker":"SPEAKER_01","startTime":1128.0,"endTime":1128.32,"body":"If"},{"speaker":"SPEAKER_01","startTime":1128.32,"endTime":1128.48,"body":"you"},{"speaker":"SPEAKER_01","startTime":1128.48,"endTime":1128.8,"body":"can't"},{"speaker":"SPEAKER_01","startTime":1128.8,"endTime":1129.2,"body":"predict"},{"speaker":"SPEAKER_01","startTime":1129.2,"endTime":1129.44,"body":"the"},{"speaker":"SPEAKER_01","startTime":1129.44,"endTime":1129.76,"body":"future,"},{"speaker":"SPEAKER_01","startTime":1130.08,"endTime":1130.4,"body":"then"},{"speaker":"SPEAKER_01","startTime":1130.4,"endTime":1130.8,"body":"what's"},{"speaker":"SPEAKER_01","startTime":1130.8,"endTime":1131.04,"body":"your"},{"speaker":"SPEAKER_01","startTime":1131.04,"endTime":1131.36,"body":"other"},{"speaker":"SPEAKER_01","startTime":1131.36,"endTime":1131.76,"body":"option?"},{"speaker":"SPEAKER_01","startTime":1132.24,"endTime":1132.72,"body":"Own"},{"speaker":"SPEAKER_01","startTime":1132.72,"endTime":1132.96,"body":"the"},{"speaker":"SPEAKER_01","startTime":1132.96,"endTime":1133.2,"body":"market."},{"speaker":"SPEAKER_01","startTime":1133.52,"endTime":1133.92,"body":"That's"},{"speaker":"SPEAKER_01","startTime":1133.92,"endTime":1134.08,"body":"it."},{"speaker":"SPEAKER_01","startTime":1134.32,"endTime":1134.48,"body":"You"},{"speaker":"SPEAKER_01","startTime":1134.48,"endTime":1134.72,"body":"can"},{"speaker":"SPEAKER_01","startTime":1134.72,"endTime":1135.12,"body":"vary"},{"speaker":"SPEAKER_01","startTime":1135.12,"endTime":1135.28,"body":"it"},{"speaker":"SPEAKER_01","startTime":1135.28,"endTime":1135.6,"body":"a"},{"speaker":"SPEAKER_01","startTime":1135.6,"endTime":1135.68,"body":"little,"},{"speaker":"SPEAKER_01","startTime":1136.48,"endTime":1136.8,"body":"but"},{"speaker":"SPEAKER_01","startTime":1136.8,"endTime":1137.04,"body":"you"},{"speaker":"SPEAKER_01","startTime":1137.04,"endTime":1137.44,"body":"can't"},{"speaker":"SPEAKER_01","startTime":1137.76,"endTime":1138.4,"body":"focus."},{"speaker":"SPEAKER_01","startTime":1138.64,"endTime":1138.88,"body":"It"},{"speaker":"SPEAKER_01","startTime":1138.88,"endTime":1139.52,"body":"doesn't"},{"speaker":"SPEAKER_01","startTime":1139.52,"endTime":1139.76,"body":"work."},{"speaker":"SPEAKER_01","startTime":1140.88,"endTime":1141.12,"body":"Oh,"},{"speaker":"SPEAKER_01","startTime":1141.28,"endTime":1141.52,"body":"and"},{"speaker":"SPEAKER_01","startTime":1141.52,"endTime":1142.0,"body":"it's"},{"speaker":"SPEAKER_01","startTime":1142.0,"endTime":1142.64,"body":"funny."},{"speaker":"SPEAKER_01","startTime":1143.12,"endTime":1143.44,"body":"I"},{"speaker":"SPEAKER_01","startTime":1143.44,"endTime":1143.76,"body":"I"},{"speaker":"SPEAKER_01","startTime":1143.76,"endTime":1144.08,"body":"did"},{"speaker":"SPEAKER_01","startTime":1144.08,"endTime":1144.4,"body":"not"},{"speaker":"SPEAKER_01","startTime":1144.4,"endTime":1144.72,"body":"know."},{"speaker":"SPEAKER_01","startTime":1145.04,"endTime":1145.28,"body":"I"},{"speaker":"SPEAKER_01","startTime":1145.28,"endTime":1145.44,"body":"I"},{"speaker":"SPEAKER_01","startTime":1145.6,"endTime":1145.84,"body":"I"},{"speaker":"SPEAKER_01","startTime":1146.08,"endTime":1146.72,"body":"don't"},{"speaker":"SPEAKER_01","startTime":1147.2,"endTime":1147.6,"body":"take"},{"speaker":"SPEAKER_01","startTime":1147.6,"endTime":1147.76,"body":"these"},{"speaker":"SPEAKER_01","startTime":1147.76,"endTime":1148.08,"body":"questions"},{"speaker":"SPEAKER_01","startTime":1148.08,"endTime":1148.4,"body":"until"},{"speaker":"SPEAKER_01","startTime":1148.4,"endTime":1148.56,"body":"I"},{"speaker":"SPEAKER_01","startTime":1148.56,"endTime":1148.72,"body":"put"},{"speaker":"SPEAKER_01","startTime":1148.72,"endTime":1148.88,"body":"them"},{"speaker":"SPEAKER_01","startTime":1148.88,"endTime":1149.04,"body":"into"},{"speaker":"SPEAKER_01","startTime":1149.04,"endTime":1149.12,"body":"the"},{"speaker":"SPEAKER_01","startTime":1149.12,"endTime":1149.52,"body":"podcast"},{"speaker":"SPEAKER_01","startTime":1149.6,"endTime":1149.76,"body":"and"},{"speaker":"SPEAKER_01","startTime":1149.76,"endTime":1149.92,"body":"then"},{"speaker":"SPEAKER_01","startTime":1149.92,"endTime":1150.24,"body":"I"},{"speaker":"SPEAKER_01","startTime":1150.24,"endTime":1150.88,"body":"answer"},{"speaker":"SPEAKER_01","startTime":1150.88,"endTime":1151.2,"body":"them."},{"speaker":"SPEAKER_01","startTime":1151.68,"endTime":1152.0,"body":"I"},{"speaker":"SPEAKER_01","startTime":1152.0,"endTime":1152.24,"body":"had"},{"speaker":"SPEAKER_01","startTime":1152.24,"endTime":1152.4,"body":"no"},{"speaker":"SPEAKER_01","startTime":1152.4,"endTime":1152.8,"body":"idea"},{"speaker":"SPEAKER_01","startTime":1152.8,"endTime":1152.96,"body":"we"},{"speaker":"SPEAKER_01","startTime":1152.96,"endTime":1153.2,"body":"were"},{"speaker":"SPEAKER_01","startTime":1153.2,"endTime":1153.76,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":1153.76,"endTime":1154.08,"body":"get"},{"speaker":"SPEAKER_01","startTime":1154.4,"endTime":1154.72,"body":"this"},{"speaker":"SPEAKER_01","startTime":1154.72,"endTime":1155.36,"body":"question"},{"speaker":"SPEAKER_01","startTime":1155.52,"endTime":1156.16,"body":"following"},{"speaker":"SPEAKER_01","startTime":1156.16,"endTime":1156.48,"body":"the"},{"speaker":"SPEAKER_01","startTime":1156.48,"endTime":1156.8,"body":"last"},{"speaker":"SPEAKER_01","startTime":1156.8,"endTime":1157.2,"body":"comment"},{"speaker":"SPEAKER_01","startTime":1157.2,"endTime":1157.36,"body":"I"},{"speaker":"SPEAKER_01","startTime":1157.36,"endTime":1157.68,"body":"made"},{"speaker":"SPEAKER_01","startTime":1157.68,"endTime":1158.16,"body":"before"},{"speaker":"SPEAKER_01","startTime":1158.16,"endTime":1158.4,"body":"this"},{"speaker":"SPEAKER_01","startTime":1158.4,"endTime":1158.96,"body":"question"},{"speaker":"SPEAKER_01","startTime":1158.96,"endTime":1159.28,"body":"about"},{"speaker":"SPEAKER_01","startTime":1159.28,"endTime":1159.92,"body":"tuning"},{"speaker":"SPEAKER_01","startTime":1159.92,"endTime":1160.08,"body":"out"},{"speaker":"SPEAKER_01","startTime":1160.08,"endTime":1160.16,"body":"the"},{"speaker":"SPEAKER_01","startTime":1160.16,"endTime":1160.56,"body":"noise."},{"speaker":"SPEAKER_01","startTime":1160.64,"endTime":1160.8,"body":"So"},{"speaker":"SPEAKER_01","startTime":1160.96,"endTime":1161.2,"body":"that"},{"speaker":"SPEAKER_01","startTime":1161.2,"endTime":1161.36,"body":"was"},{"speaker":"SPEAKER_01","startTime":1161.36,"endTime":1161.52,"body":"just"},{"speaker":"SPEAKER_01","startTime":1161.52,"endTime":1161.68,"body":"a"},{"speaker":"SPEAKER_01","startTime":1161.68,"endTime":1162.48,"body":"coincidence,"},{"speaker":"SPEAKER_01","startTime":1162.72,"endTime":1163.04,"body":"but"},{"speaker":"SPEAKER_01","startTime":1163.36,"endTime":1163.68,"body":"a"},{"speaker":"SPEAKER_01","startTime":1163.68,"endTime":1164.0,"body":"good"},{"speaker":"SPEAKER_01","startTime":1164.0,"endTime":1164.32,"body":"one."},{"speaker":"SPEAKER_01","startTime":1164.88,"endTime":1165.2,"body":"We"},{"speaker":"SPEAKER_01","startTime":1165.2,"endTime":1165.44,"body":"just"},{"speaker":"SPEAKER_01","startTime":1165.44,"endTime":1165.68,"body":"got"},{"speaker":"SPEAKER_01","startTime":1165.68,"endTime":1166.32,"body":"lucky."},{"speaker":"SPEAKER_01","startTime":1166.64,"endTime":1167.12,"body":"Get"},{"speaker":"SPEAKER_01","startTime":1167.12,"endTime":1167.44,"body":"it?"},{"speaker":"SPEAKER_01","startTime":1168.48,"endTime":1168.8,"body":"Oh,"},{"speaker":"SPEAKER_01","startTime":1169.2,"endTime":1169.52,"body":"now"},{"speaker":"SPEAKER_01","startTime":1169.84,"endTime":1170.32,"body":"we're"},{"speaker":"SPEAKER_01","startTime":1170.32,"endTime":1170.48,"body":"down"},{"speaker":"SPEAKER_01","startTime":1170.48,"endTime":1170.72,"body":"to"},{"speaker":"SPEAKER_01","startTime":1170.72,"endTime":1171.04,"body":"our"},{"speaker":"SPEAKER_01","startTime":1171.04,"endTime":1171.36,"body":"last"},{"speaker":"SPEAKER_01","startTime":1171.36,"endTime":1171.76,"body":"question,"},{"speaker":"SPEAKER_01","startTime":1171.84,"endTime":1172.16,"body":"which"},{"speaker":"SPEAKER_01","startTime":1172.16,"endTime":1172.72,"body":"means"},{"speaker":"SPEAKER_01","startTime":1172.72,"endTime":1173.12,"body":"we're"},{"speaker":"SPEAKER_01","startTime":1173.12,"endTime":1173.36,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":1173.36,"endTime":1173.6,"body":"need"},{"speaker":"SPEAKER_01","startTime":1173.6,"endTime":1173.76,"body":"you"},{"speaker":"SPEAKER_01","startTime":1173.76,"endTime":1173.92,"body":"to"},{"speaker":"SPEAKER_01","startTime":1173.92,"endTime":1174.48,"body":"ask"},{"speaker":"SPEAKER_01","startTime":1174.48,"endTime":1174.72,"body":"some."},{"speaker":"SPEAKER_01","startTime":1174.88,"endTime":1175.2,"body":"How"},{"speaker":"SPEAKER_01","startTime":1175.2,"endTime":1175.36,"body":"do"},{"speaker":"SPEAKER_01","startTime":1175.36,"endTime":1175.52,"body":"you"},{"speaker":"SPEAKER_01","startTime":1175.52,"endTime":1175.76,"body":"do"},{"speaker":"SPEAKER_01","startTime":1175.76,"endTime":1175.92,"body":"that?"},{"speaker":"SPEAKER_01","startTime":1176.08,"endTime":1176.32,"body":"You"},{"speaker":"SPEAKER_01","startTime":1176.32,"endTime":1176.4,"body":"go"},{"speaker":"SPEAKER_01","startTime":1176.4,"endTime":1176.64,"body":"to"},{"speaker":"SPEAKER_01","startTime":1176.64,"endTime":1178.24,"body":"talkingrealmoney.com"},{"speaker":"SPEAKER_01","startTime":1178.32,"endTime":1178.4,"body":"and"},{"speaker":"SPEAKER_01","startTime":1178.4,"endTime":1178.56,"body":"then"},{"speaker":"SPEAKER_01","startTime":1178.56,"endTime":1178.8,"body":"click"},{"speaker":"SPEAKER_01","startTime":1178.8,"endTime":1178.88,"body":"the"},{"speaker":"SPEAKER_01","startTime":1178.88,"endTime":1179.12,"body":"button"},{"speaker":"SPEAKER_01","startTime":1179.12,"endTime":1179.28,"body":"that"},{"speaker":"SPEAKER_01","startTime":1179.28,"endTime":1179.52,"body":"says"},{"speaker":"SPEAKER_01","startTime":1179.52,"endTime":1179.84,"body":"ask"},{"speaker":"SPEAKER_01","startTime":1179.84,"endTime":1179.92,"body":"a"},{"speaker":"SPEAKER_01","startTime":1179.92,"endTime":1180.24,"body":"question,"},{"speaker":"SPEAKER_01","startTime":1180.32,"endTime":1180.48,"body":"and"},{"speaker":"SPEAKER_01","startTime":1180.48,"endTime":1180.64,"body":"then"},{"speaker":"SPEAKER_01","startTime":1180.64,"endTime":1180.88,"body":"click"},{"speaker":"SPEAKER_01","startTime":1180.88,"endTime":1180.96,"body":"the"},{"speaker":"SPEAKER_01","startTime":1180.96,"endTime":1181.2,"body":"button"},{"speaker":"SPEAKER_01","startTime":1181.2,"endTime":1181.28,"body":"in"},{"speaker":"SPEAKER_01","startTime":1181.28,"endTime":1181.44,"body":"the"},{"speaker":"SPEAKER_01","startTime":1181.44,"endTime":1181.84,"body":"lower"},{"speaker":"SPEAKER_01","startTime":1181.84,"endTime":1182.24,"body":"left-hand"},{"speaker":"SPEAKER_01","startTime":1182.4,"endTime":1182.72,"body":"corner"},{"speaker":"SPEAKER_01","startTime":1182.72,"endTime":1182.96,"body":"that"},{"speaker":"SPEAKER_01","startTime":1182.96,"endTime":1183.12,"body":"looks"},{"speaker":"SPEAKER_01","startTime":1183.12,"endTime":1183.28,"body":"like"},{"speaker":"SPEAKER_01","startTime":1183.28,"endTime":1183.36,"body":"a"},{"speaker":"SPEAKER_01","startTime":1183.36,"endTime":1183.84,"body":"microphone,"},{"speaker":"SPEAKER_01","startTime":1183.92,"endTime":1184.08,"body":"and"},{"speaker":"SPEAKER_01","startTime":1184.08,"endTime":1184.32,"body":"then"},{"speaker":"SPEAKER_01","startTime":1184.32,"endTime":1184.64,"body":"record"},{"speaker":"SPEAKER_01","startTime":1184.64,"endTime":1184.8,"body":"your"},{"speaker":"SPEAKER_01","startTime":1184.8,"endTime":1185.12,"body":"question,"},{"speaker":"SPEAKER_01","startTime":1185.2,"endTime":1185.36,"body":"and"},{"speaker":"SPEAKER_01","startTime":1185.36,"endTime":1185.6,"body":"it"},{"speaker":"SPEAKER_01","startTime":1185.6,"endTime":1185.84,"body":"will"},{"speaker":"SPEAKER_01","startTime":1185.84,"endTime":1186.16,"body":"be"},{"speaker":"SPEAKER_01","startTime":1186.16,"endTime":1186.4,"body":"on"},{"speaker":"SPEAKER_01","startTime":1186.4,"endTime":1186.72,"body":"a"},{"speaker":"SPEAKER_01","startTime":1186.72,"endTime":1187.36,"body":"future"},{"speaker":"SPEAKER_01","startTime":1187.52,"endTime":1188.4,"body":"Friday"},{"speaker":"SPEAKER_01","startTime":1188.4,"endTime":1189.2,"body":"QA"},{"speaker":"SPEAKER_01","startTime":1189.2,"endTime":1190.16,"body":"podcast"},{"speaker":"SPEAKER_01","startTime":1190.48,"endTime":1190.8,"body":"like"},{"speaker":"SPEAKER_01","startTime":1191.12,"endTime":1191.44,"body":"this."},{"speaker":"SPEAKER_05","startTime":1191.84,"endTime":1192.08,"body":"I"},{"speaker":"SPEAKER_05","startTime":1192.08,"endTime":1192.32,"body":"would"},{"speaker":"SPEAKER_05","startTime":1192.32,"endTime":1192.48,"body":"like"},{"speaker":"SPEAKER_05","startTime":1192.48,"endTime":1192.64,"body":"to"},{"speaker":"SPEAKER_05","startTime":1192.64,"endTime":1193.04,"body":"manage"},{"speaker":"SPEAKER_05","startTime":1193.04,"endTime":1193.28,"body":"my"},{"speaker":"SPEAKER_05","startTime":1193.28,"endTime":1193.6,"body":"own"},{"speaker":"SPEAKER_05","startTime":1193.6,"endTime":1194.24,"body":"portfolio"},{"speaker":"SPEAKER_05","startTime":1194.24,"endTime":1194.48,"body":"in"},{"speaker":"SPEAKER_05","startTime":1194.48,"endTime":1195.12,"body":"retirement."},{"speaker":"SPEAKER_05","startTime":1195.28,"endTime":1195.44,"body":"I"},{"speaker":"SPEAKER_05","startTime":1195.44,"endTime":1195.68,"body":"have"},{"speaker":"SPEAKER_05","startTime":1195.68,"endTime":1196.0,"body":"two"},{"speaker":"SPEAKER_05","startTime":1196.0,"endTime":1196.56,"body":"questions."},{"speaker":"SPEAKER_05","startTime":1196.8,"endTime":1197.04,"body":"Can"},{"speaker":"SPEAKER_05","startTime":1197.04,"endTime":1197.2,"body":"you"},{"speaker":"SPEAKER_05","startTime":1197.2,"endTime":1197.44,"body":"tell"},{"speaker":"SPEAKER_05","startTime":1197.44,"endTime":1197.68,"body":"me"},{"speaker":"SPEAKER_05","startTime":1197.68,"endTime":1197.84,"body":"a"},{"speaker":"SPEAKER_05","startTime":1197.84,"endTime":1198.08,"body":"good"},{"speaker":"SPEAKER_05","startTime":1198.08,"endTime":1198.48,"body":"source"},{"speaker":"SPEAKER_05","startTime":1198.8,"endTime":1199.12,"body":"for"},{"speaker":"SPEAKER_05","startTime":1199.12,"endTime":1199.84,"body":"providing"},{"speaker":"SPEAKER_05","startTime":1199.84,"endTime":1200.88,"body":"step-by-step"},{"speaker":"SPEAKER_05","startTime":1200.88,"endTime":1201.52,"body":"instructions"},{"speaker":"SPEAKER_05","startTime":1201.52,"endTime":1201.76,"body":"on"},{"speaker":"SPEAKER_05","startTime":1201.76,"endTime":1202.08,"body":"setting"},{"speaker":"SPEAKER_05","startTime":1202.08,"endTime":1202.24,"body":"up"},{"speaker":"SPEAKER_05","startTime":1202.24,"endTime":1202.48,"body":"a"},{"speaker":"SPEAKER_05","startTime":1202.48,"endTime":1203.04,"body":"bucket"},{"speaker":"SPEAKER_05","startTime":1203.04,"endTime":1203.6,"body":"strategy"},{"speaker":"SPEAKER_05","startTime":1203.6,"endTime":1204.48,"body":"portfolio"},{"speaker":"SPEAKER_05","startTime":1204.64,"endTime":1204.88,"body":"and"},{"speaker":"SPEAKER_05","startTime":1204.88,"endTime":1205.12,"body":"then"},{"speaker":"SPEAKER_05","startTime":1205.12,"endTime":1205.68,"body":"managing"},{"speaker":"SPEAKER_05","startTime":1205.68,"endTime":1205.84,"body":"the"},{"speaker":"SPEAKER_05","startTime":1205.84,"endTime":1206.96,"body":"withdrawals?"},{"speaker":"SPEAKER_05","startTime":1207.28,"endTime":1207.6,"body":"And"},{"speaker":"SPEAKER_05","startTime":1207.6,"endTime":1207.76,"body":"what"},{"speaker":"SPEAKER_05","startTime":1208.08,"endTime":1208.24,"body":"is"},{"speaker":"SPEAKER_05","startTime":1208.24,"endTime":1208.48,"body":"the"},{"speaker":"SPEAKER_05","startTime":1208.48,"endTime":1208.8,"body":"best"},{"speaker":"SPEAKER_05","startTime":1208.8,"endTime":1209.2,"body":"tool"},{"speaker":"SPEAKER_05","startTime":1209.2,"endTime":1209.44,"body":"for"},{"speaker":"SPEAKER_05","startTime":1209.44,"endTime":1210.16,"body":"monitoring"},{"speaker":"SPEAKER_05","startTime":1210.16,"endTime":1210.48,"body":"all"},{"speaker":"SPEAKER_05","startTime":1210.48,"endTime":1211.36,"body":"investments"},{"speaker":"SPEAKER_05","startTime":1211.36,"endTime":1211.68,"body":"on"},{"speaker":"SPEAKER_05","startTime":1211.68,"endTime":1212.0,"body":"one"},{"speaker":"SPEAKER_05","startTime":1212.0,"endTime":1212.64,"body":"platform"},{"speaker":"SPEAKER_05","startTime":1212.96,"endTime":1213.2,"body":"when"},{"speaker":"SPEAKER_05","startTime":1213.2,"endTime":1213.44,"body":"I"},{"speaker":"SPEAKER_05","startTime":1213.44,"endTime":1213.6,"body":"have"},{"speaker":"SPEAKER_05","startTime":1213.6,"endTime":1214.08,"body":"accounts"},{"speaker":"SPEAKER_05","startTime":1214.08,"endTime":1214.24,"body":"with"},{"speaker":"SPEAKER_05","startTime":1214.24,"endTime":1214.64,"body":"several"},{"speaker":"SPEAKER_05","startTime":1214.64,"endTime":1215.04,"body":"different"},{"speaker":"SPEAKER_05","startTime":1215.04,"endTime":1215.68,"body":"brokerage"},{"speaker":"SPEAKER_05","startTime":1215.68,"endTime":1216.24,"body":"firms?"},{"speaker":"SPEAKER_05","startTime":1216.56,"endTime":1216.8,"body":"Is"},{"speaker":"SPEAKER_05","startTime":1216.8,"endTime":1217.04,"body":"it"},{"speaker":"SPEAKER_05","startTime":1217.04,"endTime":1217.36,"body":"safe"},{"speaker":"SPEAKER_05","startTime":1217.36,"endTime":1217.52,"body":"to"},{"speaker":"SPEAKER_05","startTime":1217.52,"endTime":1217.92,"body":"give"},{"speaker":"SPEAKER_05","startTime":1217.92,"endTime":1218.56,"body":"monitoring"},{"speaker":"SPEAKER_05","startTime":1218.56,"endTime":1219.12,"body":"services"},{"speaker":"SPEAKER_05","startTime":1219.36,"endTime":1219.76,"body":"breed"},{"speaker":"SPEAKER_05","startTime":1219.92,"endTime":1220.08,"body":"only"},{"speaker":"SPEAKER_05","startTime":1220.24,"endTime":1220.72,"body":"access"},{"speaker":"SPEAKER_05","startTime":1220.72,"endTime":1220.96,"body":"to"},{"speaker":"SPEAKER_05","startTime":1220.96,"endTime":1221.12,"body":"my"},{"speaker":"SPEAKER_05","startTime":1221.12,"endTime":1221.92,"body":"accounts?"},{"speaker":"SPEAKER_05","startTime":1222.24,"endTime":1222.56,"body":"Thank"},{"speaker":"SPEAKER_05","startTime":1222.56,"endTime":1222.72,"body":"you"},{"speaker":"SPEAKER_05","startTime":1222.72,"endTime":1222.88,"body":"for"},{"speaker":"SPEAKER_05","startTime":1222.88,"endTime":1223.04,"body":"all"},{"speaker":"SPEAKER_05","startTime":1223.04,"endTime":1223.2,"body":"your"},{"speaker":"SPEAKER_05","startTime":1223.2,"endTime":1223.52,"body":"great"},{"speaker":"SPEAKER_05","startTime":1223.52,"endTime":1224.08,"body":"advice"},{"speaker":"SPEAKER_05","startTime":1224.08,"endTime":1224.24,"body":"over"},{"speaker":"SPEAKER_05","startTime":1224.24,"endTime":1224.48,"body":"the"},{"speaker":"SPEAKER_05","startTime":1224.48,"endTime":1224.96,"body":"years."},{"speaker":"SPEAKER_01","startTime":1225.36,"endTime":1225.52,"body":"All"},{"speaker":"SPEAKER_01","startTime":1225.52,"endTime":1225.68,"body":"right."},{"speaker":"SPEAKER_01","startTime":1225.76,"endTime":1225.92,"body":"I"},{"speaker":"SPEAKER_01","startTime":1225.92,"endTime":1226.16,"body":"hate"},{"speaker":"SPEAKER_01","startTime":1226.16,"endTime":1226.32,"body":"to"},{"speaker":"SPEAKER_01","startTime":1226.32,"endTime":1226.56,"body":"break"},{"speaker":"SPEAKER_01","startTime":1226.56,"endTime":1226.72,"body":"this"},{"speaker":"SPEAKER_01","startTime":1226.72,"endTime":1226.88,"body":"to"},{"speaker":"SPEAKER_01","startTime":1226.88,"endTime":1227.04,"body":"you,"},{"speaker":"SPEAKER_01","startTime":1227.12,"endTime":1227.36,"body":"but"},{"speaker":"SPEAKER_01","startTime":1227.36,"endTime":1227.52,"body":"if"},{"speaker":"SPEAKER_01","startTime":1227.52,"endTime":1227.76,"body":"you"},{"speaker":"SPEAKER_01","startTime":1227.76,"endTime":1228.08,"body":"need"},{"speaker":"SPEAKER_01","startTime":1228.08,"endTime":1228.56,"body":"help"},{"speaker":"SPEAKER_01","startTime":1229.12,"endTime":1229.36,"body":"just"},{"speaker":"SPEAKER_01","startTime":1229.36,"endTime":1230.08,"body":"determining"},{"speaker":"SPEAKER_01","startTime":1230.08,"endTime":1230.32,"body":"where"},{"speaker":"SPEAKER_01","startTime":1230.32,"endTime":1230.48,"body":"to"},{"speaker":"SPEAKER_01","startTime":1230.48,"endTime":1230.64,"body":"put"},{"speaker":"SPEAKER_01","startTime":1230.64,"endTime":1230.72,"body":"the"},{"speaker":"SPEAKER_01","startTime":1230.72,"endTime":1231.04,"body":"money,"},{"speaker":"SPEAKER_01","startTime":1231.2,"endTime":1231.36,"body":"what"},{"speaker":"SPEAKER_01","startTime":1231.84,"endTime":1232.32,"body":"places"},{"speaker":"SPEAKER_01","startTime":1232.32,"endTime":1232.48,"body":"to"},{"speaker":"SPEAKER_01","startTime":1232.48,"endTime":1232.72,"body":"put"},{"speaker":"SPEAKER_01","startTime":1232.72,"endTime":1232.88,"body":"it,"},{"speaker":"SPEAKER_01","startTime":1233.04,"endTime":1233.36,"body":"you've"},{"speaker":"SPEAKER_01","startTime":1233.36,"endTime":1233.52,"body":"got"},{"speaker":"SPEAKER_01","startTime":1233.52,"endTime":1233.6,"body":"to"},{"speaker":"SPEAKER_01","startTime":1233.6,"endTime":1233.84,"body":"keep"},{"speaker":"SPEAKER_01","startTime":1233.84,"endTime":1234.16,"body":"track"},{"speaker":"SPEAKER_01","startTime":1234.16,"endTime":1234.32,"body":"of"},{"speaker":"SPEAKER_01","startTime":1234.32,"endTime":1234.4,"body":"all"},{"speaker":"SPEAKER_01","startTime":1234.4,"endTime":1234.64,"body":"of"},{"speaker":"SPEAKER_01","startTime":1234.64,"endTime":1234.8,"body":"these"},{"speaker":"SPEAKER_01","startTime":1234.8,"endTime":1235.2,"body":"different"},{"speaker":"SPEAKER_01","startTime":1235.2,"endTime":1235.84,"body":"accounts."},{"speaker":"SPEAKER_01","startTime":1236.0,"endTime":1236.4,"body":"You're"},{"speaker":"SPEAKER_01","startTime":1236.4,"endTime":1236.8,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":1236.8,"endTime":1237.04,"body":"need"},{"speaker":"SPEAKER_01","startTime":1237.04,"endTime":1237.28,"body":"at"},{"speaker":"SPEAKER_01","startTime":1237.28,"endTime":1237.92,"body":"least,"},{"speaker":"SPEAKER_01","startTime":1238.48,"endTime":1238.72,"body":"at"},{"speaker":"SPEAKER_01","startTime":1238.72,"endTime":1239.28,"body":"least"},{"speaker":"SPEAKER_01","startTime":1239.28,"endTime":1239.6,"body":"a"},{"speaker":"SPEAKER_01","startTime":1239.6,"endTime":1240.16,"body":"full"},{"speaker":"SPEAKER_01","startTime":1240.32,"endTime":1240.96,"body":"service"},{"speaker":"SPEAKER_01","startTime":1240.96,"endTime":1241.52,"body":"robo"},{"speaker":"SPEAKER_01","startTime":1241.76,"endTime":1242.56,"body":"advisor,"},{"speaker":"SPEAKER_01","startTime":1242.8,"endTime":1243.04,"body":"a"},{"speaker":"SPEAKER_01","startTime":1243.04,"endTime":1243.76,"body":"betterment"},{"speaker":"SPEAKER_01","startTime":1243.84,"endTime":1244.0,"body":"or"},{"speaker":"SPEAKER_01","startTime":1244.0,"endTime":1244.16,"body":"one"},{"speaker":"SPEAKER_01","startTime":1244.16,"endTime":1244.32,"body":"of"},{"speaker":"SPEAKER_01","startTime":1244.32,"endTime":1244.56,"body":"those"},{"speaker":"SPEAKER_01","startTime":1244.56,"endTime":1244.88,"body":"kinds"},{"speaker":"SPEAKER_01","startTime":1244.88,"endTime":1244.96,"body":"of"},{"speaker":"SPEAKER_01","startTime":1244.96,"endTime":1245.28,"body":"things."},{"speaker":"SPEAKER_01","startTime":1245.44,"endTime":1245.6,"body":"And"},{"speaker":"SPEAKER_01","startTime":1245.6,"endTime":1245.92,"body":"you're"},{"speaker":"SPEAKER_01","startTime":1245.92,"endTime":1246.24,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":1246.24,"endTime":1246.56,"body":"pay"},{"speaker":"SPEAKER_01","startTime":1246.56,"endTime":1246.8,"body":"an"},{"speaker":"SPEAKER_01","startTime":1246.8,"endTime":1247.36,"body":"annual"},{"speaker":"SPEAKER_01","startTime":1247.36,"endTime":1247.76,"body":"fee"},{"speaker":"SPEAKER_01","startTime":1247.76,"endTime":1248.08,"body":"for"},{"speaker":"SPEAKER_01","startTime":1248.08,"endTime":1248.72,"body":"those."},{"speaker":"SPEAKER_01","startTime":1249.04,"endTime":1249.36,"body":"You"},{"speaker":"SPEAKER_01","startTime":1249.36,"endTime":1249.68,"body":"need"},{"speaker":"SPEAKER_01","startTime":1249.68,"endTime":1250.4,"body":"ongoing"},{"speaker":"SPEAKER_01","startTime":1250.4,"endTime":1250.8,"body":"help."},{"speaker":"SPEAKER_01","startTime":1250.96,"endTime":1251.44,"body":"Unless,"},{"speaker":"SPEAKER_01","startTime":1251.52,"endTime":1251.6,"body":"of"},{"speaker":"SPEAKER_01","startTime":1251.6,"endTime":1251.76,"body":"course,"},{"speaker":"SPEAKER_01","startTime":1251.84,"endTime":1252.0,"body":"you"},{"speaker":"SPEAKER_01","startTime":1252.0,"endTime":1252.16,"body":"want"},{"speaker":"SPEAKER_01","startTime":1252.16,"endTime":1252.24,"body":"to"},{"speaker":"SPEAKER_01","startTime":1252.24,"endTime":1252.4,"body":"just"},{"speaker":"SPEAKER_01","startTime":1252.4,"endTime":1252.64,"body":"build"},{"speaker":"SPEAKER_01","startTime":1252.64,"endTime":1252.8,"body":"a"},{"speaker":"SPEAKER_01","startTime":1252.8,"endTime":1252.96,"body":"really"},{"speaker":"SPEAKER_01","startTime":1252.96,"endTime":1253.28,"body":"simple"},{"speaker":"SPEAKER_01","startTime":1253.28,"endTime":1253.92,"body":"portfolio"},{"speaker":"SPEAKER_01","startTime":1253.92,"endTime":1254.24,"body":"that's"},{"speaker":"SPEAKER_01","startTime":1254.24,"endTime":1254.56,"body":"like"},{"speaker":"SPEAKER_01","startTime":1254.56,"endTime":1254.8,"body":"A"},{"speaker":"SPEAKER_01","startTime":1254.8,"endTime":1254.96,"body":"V"},{"speaker":"SPEAKER_01","startTime":1255.12,"endTime":1255.28,"body":"G"},{"speaker":"SPEAKER_01","startTime":1255.36,"endTime":1255.52,"body":"E"},{"speaker":"SPEAKER_01","startTime":1255.68,"endTime":1256.0,"body":"and"},{"speaker":"SPEAKER_01","startTime":1256.0,"endTime":1256.24,"body":"B"},{"speaker":"SPEAKER_01","startTime":1256.24,"endTime":1256.48,"body":"N"},{"speaker":"SPEAKER_01","startTime":1256.48,"endTime":1256.72,"body":"D"},{"speaker":"SPEAKER_01","startTime":1257.44,"endTime":1257.76,"body":"and"},{"speaker":"SPEAKER_01","startTime":1257.76,"endTime":1258.32,"body":"split"},{"speaker":"SPEAKER_01","startTime":1258.32,"endTime":1258.56,"body":"it"},{"speaker":"SPEAKER_01","startTime":1258.56,"endTime":1258.8,"body":"based"},{"speaker":"SPEAKER_01","startTime":1258.8,"endTime":1259.04,"body":"on"},{"speaker":"SPEAKER_01","startTime":1259.04,"endTime":1259.36,"body":"your"},{"speaker":"SPEAKER_01","startTime":1259.36,"endTime":1260.0,"body":"risk"},{"speaker":"SPEAKER_01","startTime":1260.32,"endTime":1260.96,"body":"profile."},{"speaker":"SPEAKER_01","startTime":1261.36,"endTime":1262.0,"body":"Otherwise,"},{"speaker":"SPEAKER_01","startTime":1262.08,"endTime":1262.48,"body":"you're"},{"speaker":"SPEAKER_01","startTime":1262.48,"endTime":1262.64,"body":"going"},{"speaker":"SPEAKER_01","startTime":1262.64,"endTime":1262.8,"body":"to"},{"speaker":"SPEAKER_01","startTime":1262.8,"endTime":1262.96,"body":"have"},{"speaker":"SPEAKER_01","startTime":1262.96,"endTime":1263.6,"body":"complexity."},{"speaker":"SPEAKER_01","startTime":1263.68,"endTime":1263.92,"body":"What"},{"speaker":"SPEAKER_01","startTime":1263.92,"endTime":1264.16,"body":"you're"},{"speaker":"SPEAKER_01","startTime":1264.16,"endTime":1264.64,"body":"asking"},{"speaker":"SPEAKER_01","startTime":1264.64,"endTime":1264.88,"body":"for"},{"speaker":"SPEAKER_01","startTime":1264.88,"endTime":1265.12,"body":"is"},{"speaker":"SPEAKER_01","startTime":1265.12,"endTime":1265.36,"body":"a"},{"speaker":"SPEAKER_01","startTime":1265.36,"endTime":1265.84,"body":"service"},{"speaker":"SPEAKER_01","startTime":1265.84,"endTime":1266.0,"body":"that"},{"speaker":"SPEAKER_01","startTime":1266.0,"endTime":1266.4,"body":"tells"},{"speaker":"SPEAKER_01","startTime":1266.4,"endTime":1266.64,"body":"you"},{"speaker":"SPEAKER_01","startTime":1266.64,"endTime":1266.8,"body":"what"},{"speaker":"SPEAKER_01","startTime":1266.8,"endTime":1266.96,"body":"an"},{"speaker":"SPEAKER_01","startTime":1266.96,"endTime":1267.6,"body":"advisor"},{"speaker":"SPEAKER_01","startTime":1267.6,"endTime":1267.84,"body":"would"},{"speaker":"SPEAKER_01","startTime":1267.84,"endTime":1268.24,"body":"tell"},{"speaker":"SPEAKER_01","startTime":1268.24,"endTime":1268.56,"body":"you."},{"speaker":"SPEAKER_01","startTime":1268.88,"endTime":1269.2,"body":"And"},{"speaker":"SPEAKER_01","startTime":1269.2,"endTime":1269.52,"body":"one"},{"speaker":"SPEAKER_01","startTime":1269.52,"endTime":1269.68,"body":"way"},{"speaker":"SPEAKER_01","startTime":1269.68,"endTime":1269.84,"body":"or"},{"speaker":"SPEAKER_01","startTime":1269.84,"endTime":1270.08,"body":"another,"},{"speaker":"SPEAKER_01","startTime":1270.16,"endTime":1270.4,"body":"you're"},{"speaker":"SPEAKER_01","startTime":1270.4,"endTime":1270.48,"body":"going"},{"speaker":"SPEAKER_01","startTime":1270.48,"endTime":1270.56,"body":"to"},{"speaker":"SPEAKER_01","startTime":1270.56,"endTime":1270.72,"body":"pay"},{"speaker":"SPEAKER_01","startTime":1270.72,"endTime":1270.8,"body":"for"},{"speaker":"SPEAKER_01","startTime":1270.8,"endTime":1270.88,"body":"it."},{"speaker":"SPEAKER_01","startTime":1270.96,"endTime":1271.12,"body":"If"},{"speaker":"SPEAKER_01","startTime":1271.12,"endTime":1271.28,"body":"it"},{"speaker":"SPEAKER_01","startTime":1271.36,"endTime":1271.52,"body":"if"},{"speaker":"SPEAKER_01","startTime":1271.52,"endTime":1271.76,"body":"it's"},{"speaker":"SPEAKER_01","startTime":1271.76,"endTime":1272.32,"body":"personalized,"},{"speaker":"SPEAKER_01","startTime":1272.4,"endTime":1272.64,"body":"yeah,"},{"speaker":"SPEAKER_01","startTime":1272.72,"endTime":1273.04,"body":"you're"},{"speaker":"SPEAKER_01","startTime":1273.04,"endTime":1273.2,"body":"going"},{"speaker":"SPEAKER_01","startTime":1273.2,"endTime":1273.44,"body":"to"},{"speaker":"SPEAKER_01","startTime":1273.44,"endTime":1274.08,"body":"pay"},{"speaker":"SPEAKER_01","startTime":1274.08,"endTime":1274.56,"body":"1%"},{"speaker":"SPEAKER_01","startTime":1274.96,"endTime":1275.12,"body":"a"},{"speaker":"SPEAKER_01","startTime":1275.12,"endTime":1275.44,"body":"year."},{"speaker":"SPEAKER_01","startTime":1275.68,"endTime":1275.92,"body":"If"},{"speaker":"SPEAKER_01","startTime":1275.92,"endTime":1276.24,"body":"it's"},{"speaker":"SPEAKER_01","startTime":1276.24,"endTime":1276.72,"body":"robo,"},{"speaker":"SPEAKER_01","startTime":1276.96,"endTime":1277.28,"body":"you're"},{"speaker":"SPEAKER_01","startTime":1277.28,"endTime":1277.68,"body":"probably"},{"speaker":"SPEAKER_01","startTime":1277.68,"endTime":1277.84,"body":"going"},{"speaker":"SPEAKER_01","startTime":1277.84,"endTime":1278.08,"body":"to"},{"speaker":"SPEAKER_01","startTime":1278.08,"endTime":1278.72,"body":"pay"},{"speaker":"SPEAKER_01","startTime":1278.72,"endTime":1279.2,"body":"half"},{"speaker":"SPEAKER_01","startTime":1279.2,"endTime":1279.44,"body":"a"},{"speaker":"SPEAKER_01","startTime":1279.44,"endTime":1279.76,"body":"percent"},{"speaker":"SPEAKER_01","startTime":1279.76,"endTime":1280.0,"body":"a"},{"speaker":"SPEAKER_01","startTime":1280.0,"endTime":1280.4,"body":"year."},{"speaker":"SPEAKER_01","startTime":1280.64,"endTime":1280.88,"body":"But"},{"speaker":"SPEAKER_01","startTime":1280.88,"endTime":1281.12,"body":"you're"},{"speaker":"SPEAKER_01","startTime":1281.12,"endTime":1281.28,"body":"going"},{"speaker":"SPEAKER_01","startTime":1281.28,"endTime":1281.36,"body":"to"},{"speaker":"SPEAKER_01","startTime":1281.36,"endTime":1281.52,"body":"need"},{"speaker":"SPEAKER_01","startTime":1281.52,"endTime":1281.76,"body":"one"},{"speaker":"SPEAKER_01","startTime":1281.76,"endTime":1281.92,"body":"of"},{"speaker":"SPEAKER_01","startTime":1281.92,"endTime":1282.24,"body":"those."},{"speaker":"SPEAKER_01","startTime":1282.48,"endTime":1282.72,"body":"And"},{"speaker":"SPEAKER_01","startTime":1282.96,"endTime":1283.04,"body":"if"},{"speaker":"SPEAKER_01","startTime":1283.04,"endTime":1283.28,"body":"you're"},{"speaker":"SPEAKER_01","startTime":1283.28,"endTime":1283.44,"body":"talking"},{"speaker":"SPEAKER_01","startTime":1283.44,"endTime":1283.6,"body":"about"},{"speaker":"SPEAKER_01","startTime":1283.6,"endTime":1284.08,"body":"aggregators"},{"speaker":"SPEAKER_01","startTime":1284.16,"endTime":1284.32,"body":"like"},{"speaker":"SPEAKER_01","startTime":1284.32,"endTime":1284.8,"body":"Quicken"},{"speaker":"SPEAKER_01","startTime":1284.96,"endTime":1285.04,"body":"or"},{"speaker":"SPEAKER_01","startTime":1285.04,"endTime":1285.28,"body":"something"},{"speaker":"SPEAKER_01","startTime":1285.28,"endTime":1285.44,"body":"like"},{"speaker":"SPEAKER_01","startTime":1285.44,"endTime":1285.6,"body":"that,"},{"speaker":"SPEAKER_01","startTime":1285.68,"endTime":1285.92,"body":"yeah,"},{"speaker":"SPEAKER_01","startTime":1286.0,"endTime":1286.4,"body":"it's"},{"speaker":"SPEAKER_01","startTime":1286.4,"endTime":1286.88,"body":"safe,"},{"speaker":"SPEAKER_01","startTime":1287.12,"endTime":1287.36,"body":"but"},{"speaker":"SPEAKER_01","startTime":1287.36,"endTime":1287.52,"body":"I"},{"speaker":"SPEAKER_01","startTime":1287.52,"endTime":1287.76,"body":"don't"},{"speaker":"SPEAKER_01","startTime":1287.76,"endTime":1288.0,"body":"know"},{"speaker":"SPEAKER_01","startTime":1288.0,"endTime":1288.16,"body":"that"},{"speaker":"SPEAKER_01","startTime":1288.16,"endTime":1288.72,"body":"it's"},{"speaker":"SPEAKER_01","startTime":1288.72,"endTime":1289.04,"body":"going"},{"speaker":"SPEAKER_01","startTime":1289.04,"endTime":1289.36,"body":"to"},{"speaker":"SPEAKER_01","startTime":1289.36,"endTime":1289.52,"body":"do"},{"speaker":"SPEAKER_01","startTime":1289.52,"endTime":1289.76,"body":"what"},{"speaker":"SPEAKER_01","startTime":1289.76,"endTime":1289.92,"body":"you"},{"speaker":"SPEAKER_01","startTime":1289.92,"endTime":1290.08,"body":"want"},{"speaker":"SPEAKER_01","startTime":1290.08,"endTime":1290.16,"body":"to"},{"speaker":"SPEAKER_01","startTime":1290.16,"endTime":1290.32,"body":"do."},{"speaker":"SPEAKER_01","startTime":1290.48,"endTime":1290.64,"body":"The"},{"speaker":"SPEAKER_01","startTime":1290.64,"endTime":1290.8,"body":"other"},{"speaker":"SPEAKER_01","startTime":1290.8,"endTime":1290.96,"body":"thing"},{"speaker":"SPEAKER_01","startTime":1290.96,"endTime":1291.12,"body":"is,"},{"speaker":"SPEAKER_01","startTime":1291.2,"endTime":1291.36,"body":"is"},{"speaker":"SPEAKER_01","startTime":1291.44,"endTime":1291.6,"body":"why"},{"speaker":"SPEAKER_01","startTime":1291.6,"endTime":1291.76,"body":"don't"},{"speaker":"SPEAKER_01","startTime":1291.76,"endTime":1291.92,"body":"you"},{"speaker":"SPEAKER_01","startTime":1291.92,"endTime":1292.16,"body":"just"},{"speaker":"SPEAKER_01","startTime":1292.16,"endTime":1292.48,"body":"consider"},{"speaker":"SPEAKER_01","startTime":1292.64,"endTime":1293.04,"body":"moving"},{"speaker":"SPEAKER_01","startTime":1293.04,"endTime":1293.44,"body":"everything"},{"speaker":"SPEAKER_01","startTime":1293.44,"endTime":1293.6,"body":"to"},{"speaker":"SPEAKER_01","startTime":1293.6,"endTime":1293.76,"body":"a"},{"speaker":"SPEAKER_01","startTime":1293.76,"endTime":1294.08,"body":"single"},{"speaker":"SPEAKER_01","startTime":1294.08,"endTime":1294.96,"body":"custodian"},{"speaker":"SPEAKER_01","startTime":1294.96,"endTime":1295.28,"body":"instead"},{"speaker":"SPEAKER_01","startTime":1295.28,"endTime":1295.44,"body":"of"},{"speaker":"SPEAKER_01","startTime":1295.44,"endTime":1295.68,"body":"having"},{"speaker":"SPEAKER_01","startTime":1295.68,"endTime":1295.92,"body":"stuff"},{"speaker":"SPEAKER_01","startTime":1295.92,"endTime":1296.16,"body":"all"},{"speaker":"SPEAKER_01","startTime":1296.16,"endTime":1296.32,"body":"over"},{"speaker":"SPEAKER_01","startTime":1296.32,"endTime":1296.56,"body":"the"},{"speaker":"SPEAKER_01","startTime":1296.56,"endTime":1296.8,"body":"place?"},{"speaker":"SPEAKER_01","startTime":1296.96,"endTime":1297.28,"body":"I'd"},{"speaker":"SPEAKER_01","startTime":1297.28,"endTime":1297.44,"body":"be"},{"speaker":"SPEAKER_01","startTime":1297.44,"endTime":1297.84,"body":"curious"},{"speaker":"SPEAKER_01","startTime":1297.84,"endTime":1298.0,"body":"to"},{"speaker":"SPEAKER_01","startTime":1298.0,"endTime":1298.16,"body":"see"},{"speaker":"SPEAKER_01","startTime":1298.16,"endTime":1298.32,"body":"what"},{"speaker":"SPEAKER_01","startTime":1298.32,"endTime":1298.48,"body":"your"},{"speaker":"SPEAKER_01","startTime":1298.48,"endTime":1299.12,"body":"portfolio"},{"speaker":"SPEAKER_01","startTime":1299.12,"endTime":1299.52,"body":"consists"},{"speaker":"SPEAKER_01","startTime":1299.52,"endTime":1299.6,"body":"of."},{"speaker":"SPEAKER_01","startTime":1299.76,"endTime":1299.92,"body":"That"},{"speaker":"SPEAKER_01","startTime":1299.92,"endTime":1300.08,"body":"would"},{"speaker":"SPEAKER_01","startTime":1300.08,"endTime":1300.32,"body":"tell"},{"speaker":"SPEAKER_01","startTime":1300.32,"endTime":1300.48,"body":"me"},{"speaker":"SPEAKER_01","startTime":1300.48,"endTime":1300.72,"body":"a"},{"speaker":"SPEAKER_01","startTime":1300.72,"endTime":1300.96,"body":"lot"},{"speaker":"SPEAKER_01","startTime":1300.96,"endTime":1301.28,"body":"about"},{"speaker":"SPEAKER_01","startTime":1301.28,"endTime":1302.0,"body":"whether"},{"speaker":"SPEAKER_01","startTime":1302.0,"endTime":1302.32,"body":"you"},{"speaker":"SPEAKER_01","startTime":1302.32,"endTime":1302.64,"body":"really"},{"speaker":"SPEAKER_01","startTime":1302.88,"endTime":1303.2,"body":"can"},{"speaker":"SPEAKER_01","startTime":1303.2,"endTime":1303.36,"body":"do"},{"speaker":"SPEAKER_01","startTime":1303.36,"endTime":1303.52,"body":"it"},{"speaker":"SPEAKER_01","startTime":1303.52,"endTime":1303.92,"body":"yourself"},{"speaker":"SPEAKER_01","startTime":1303.92,"endTime":1304.08,"body":"or"},{"speaker":"SPEAKER_01","startTime":1304.08,"endTime":1304.24,"body":"not."},{"speaker":"SPEAKER_01","startTime":1304.4,"endTime":1304.64,"body":"I"},{"speaker":"SPEAKER_01","startTime":1304.64,"endTime":1304.8,"body":"know"},{"speaker":"SPEAKER_01","startTime":1304.8,"endTime":1305.04,"body":"you"},{"speaker":"SPEAKER_01","startTime":1305.04,"endTime":1305.2,"body":"want"},{"speaker":"SPEAKER_01","startTime":1305.2,"endTime":1305.28,"body":"to"},{"speaker":"SPEAKER_01","startTime":1305.28,"endTime":1305.44,"body":"do"},{"speaker":"SPEAKER_01","startTime":1305.44,"endTime":1305.6,"body":"it"},{"speaker":"SPEAKER_01","startTime":1305.6,"endTime":1306.08,"body":"yourself"},{"speaker":"SPEAKER_01","startTime":1306.4,"endTime":1306.72,"body":"because"},{"speaker":"SPEAKER_01","startTime":1306.88,"endTime":1307.12,"body":"it"},{"speaker":"SPEAKER_01","startTime":1307.12,"endTime":1307.52,"body":"ain't"},{"speaker":"SPEAKER_01","startTime":1307.52,"endTime":1307.84,"body":"cheap"},{"speaker":"SPEAKER_01","startTime":1307.84,"endTime":1308.08,"body":"to"},{"speaker":"SPEAKER_01","startTime":1308.08,"endTime":1308.56,"body":"hire"},{"speaker":"SPEAKER_01","startTime":1308.56,"endTime":1309.36,"body":"somebody."},{"speaker":"SPEAKER_01","startTime":1309.84,"endTime":1310.16,"body":"But"},{"speaker":"SPEAKER_01","startTime":1311.28,"endTime":1311.84,"body":"often"},{"speaker":"SPEAKER_01","startTime":1311.84,"endTime":1312.24,"body":"it's"},{"speaker":"SPEAKER_01","startTime":1312.24,"endTime":1312.48,"body":"really"},{"speaker":"SPEAKER_01","startTime":1312.48,"endTime":1312.88,"body":"worth"},{"speaker":"SPEAKER_01","startTime":1312.88,"endTime":1313.04,"body":"it,"},{"speaker":"SPEAKER_01","startTime":1313.2,"endTime":1313.92,"body":"particularly"},{"speaker":"SPEAKER_01","startTime":1313.92,"endTime":1314.16,"body":"at"},{"speaker":"SPEAKER_01","startTime":1314.16,"endTime":1314.8,"body":"retirement."},{"speaker":"SPEAKER_01","startTime":1315.04,"endTime":1315.36,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":1315.36,"endTime":1315.6,"body":"not"},{"speaker":"SPEAKER_01","startTime":1315.6,"endTime":1315.92,"body":"saying"},{"speaker":"SPEAKER_01","startTime":1315.92,"endTime":1316.4,"body":"everybody"},{"speaker":"SPEAKER_01","startTime":1316.4,"endTime":1316.56,"body":"should"},{"speaker":"SPEAKER_01","startTime":1316.56,"endTime":1316.72,"body":"have"},{"speaker":"SPEAKER_01","startTime":1316.72,"endTime":1316.96,"body":"an"},{"speaker":"SPEAKER_01","startTime":1316.96,"endTime":1317.68,"body":"advisor."},{"speaker":"SPEAKER_01","startTime":1317.92,"endTime":1318.4,"body":"Certainly"},{"speaker":"SPEAKER_01","startTime":1318.48,"endTime":1318.72,"body":"not"},{"speaker":"SPEAKER_01","startTime":1318.72,"endTime":1319.04,"body":"everybody"},{"speaker":"SPEAKER_01","startTime":1319.04,"endTime":1319.12,"body":"in"},{"speaker":"SPEAKER_01","startTime":1319.12,"endTime":1319.28,"body":"the"},{"speaker":"SPEAKER_01","startTime":1319.28,"endTime":1319.68,"body":"accumulation."},{"speaker":"SPEAKER_01","startTime":1320.4,"endTime":1320.64,"body":"Phase."},{"speaker":"SPEAKER_01","startTime":1321.2,"endTime":1321.52,"body":"But"},{"speaker":"SPEAKER_01","startTime":1321.52,"endTime":1321.76,"body":"most"},{"speaker":"SPEAKER_01","startTime":1321.76,"endTime":1321.92,"body":"of"},{"speaker":"SPEAKER_01","startTime":1321.92,"endTime":1322.08,"body":"us,"},{"speaker":"SPEAKER_01","startTime":1322.16,"endTime":1322.4,"body":"when"},{"speaker":"SPEAKER_01","startTime":1322.4,"endTime":1322.56,"body":"we"},{"speaker":"SPEAKER_01","startTime":1322.56,"endTime":1322.8,"body":"get"},{"speaker":"SPEAKER_01","startTime":1322.8,"endTime":1323.04,"body":"to"},{"speaker":"SPEAKER_01","startTime":1323.04,"endTime":1323.36,"body":"our"},{"speaker":"SPEAKER_01","startTime":1323.36,"endTime":1323.92,"body":"ages,"},{"speaker":"SPEAKER_01","startTime":1324.16,"endTime":1325.04,"body":"retirement"},{"speaker":"SPEAKER_01","startTime":1325.04,"endTime":1325.68,"body":"ages,"},{"speaker":"SPEAKER_01","startTime":1326.64,"endTime":1326.96,"body":"well,"},{"speaker":"SPEAKER_01","startTime":1327.44,"endTime":1327.92,"body":"either"},{"speaker":"SPEAKER_01","startTime":1327.92,"endTime":1328.08,"body":"you"},{"speaker":"SPEAKER_01","startTime":1328.08,"endTime":1328.24,"body":"need"},{"speaker":"SPEAKER_01","startTime":1328.24,"endTime":1328.48,"body":"to"},{"speaker":"SPEAKER_01","startTime":1328.48,"endTime":1328.72,"body":"be"},{"speaker":"SPEAKER_01","startTime":1328.72,"endTime":1329.04,"body":"really"},{"speaker":"SPEAKER_01","startTime":1329.04,"endTime":1329.28,"body":"good"},{"speaker":"SPEAKER_01","startTime":1329.28,"endTime":1329.44,"body":"at"},{"speaker":"SPEAKER_01","startTime":1329.44,"endTime":1329.6,"body":"it"},{"speaker":"SPEAKER_01","startTime":1329.6,"endTime":1330.08,"body":"yourself"},{"speaker":"SPEAKER_01","startTime":1330.08,"endTime":1330.48,"body":"already"},{"speaker":"SPEAKER_01","startTime":1330.56,"endTime":1330.8,"body":"because"},{"speaker":"SPEAKER_01","startTime":1330.8,"endTime":1331.04,"body":"you've"},{"speaker":"SPEAKER_01","startTime":1331.04,"endTime":1331.36,"body":"studied"},{"speaker":"SPEAKER_01","startTime":1331.36,"endTime":1331.52,"body":"it"},{"speaker":"SPEAKER_01","startTime":1331.52,"endTime":1331.68,"body":"for"},{"speaker":"SPEAKER_01","startTime":1331.68,"endTime":1331.76,"body":"a"},{"speaker":"SPEAKER_01","startTime":1331.76,"endTime":1331.92,"body":"long"},{"speaker":"SPEAKER_01","startTime":1331.92,"endTime":1332.0,"body":"time"},{"speaker":"SPEAKER_01","startTime":1332.08,"endTime":1332.24,"body":"and"},{"speaker":"SPEAKER_01","startTime":1332.24,"endTime":1332.4,"body":"you"},{"speaker":"SPEAKER_01","startTime":1332.4,"endTime":1332.56,"body":"know"},{"speaker":"SPEAKER_01","startTime":1332.56,"endTime":1332.72,"body":"where"},{"speaker":"SPEAKER_01","startTime":1332.72,"endTime":1332.88,"body":"to"},{"speaker":"SPEAKER_01","startTime":1332.88,"endTime":1332.96,"body":"go"},{"speaker":"SPEAKER_01","startTime":1333.04,"endTime":1333.2,"body":"and"},{"speaker":"SPEAKER_01","startTime":1333.2,"endTime":1333.28,"body":"you"},{"speaker":"SPEAKER_01","startTime":1333.28,"endTime":1333.44,"body":"know"},{"speaker":"SPEAKER_01","startTime":1333.44,"endTime":1333.6,"body":"how"},{"speaker":"SPEAKER_01","startTime":1333.6,"endTime":1333.68,"body":"to"},{"speaker":"SPEAKER_01","startTime":1333.68,"endTime":1333.84,"body":"move"},{"speaker":"SPEAKER_01","startTime":1333.84,"endTime":1333.92,"body":"it"},{"speaker":"SPEAKER_01","startTime":1334.0,"endTime":1334.16,"body":"and"},{"speaker":"SPEAKER_01","startTime":1334.16,"endTime":1334.24,"body":"you"},{"speaker":"SPEAKER_01","startTime":1334.24,"endTime":1334.4,"body":"know"},{"speaker":"SPEAKER_01","startTime":1334.4,"endTime":1334.56,"body":"how"},{"speaker":"SPEAKER_01","startTime":1334.56,"endTime":1334.88,"body":"to"},{"speaker":"SPEAKER_01","startTime":1335.04,"endTime":1335.28,"body":"and"},{"speaker":"SPEAKER_01","startTime":1335.28,"endTime":1335.52,"body":"you"},{"speaker":"SPEAKER_01","startTime":1335.52,"endTime":1335.76,"body":"know"},{"speaker":"SPEAKER_01","startTime":1335.76,"endTime":1336.0,"body":"how"},{"speaker":"SPEAKER_01","startTime":1336.0,"endTime":1336.32,"body":"to"},{"speaker":"SPEAKER_01","startTime":1336.32,"endTime":1336.96,"body":"maintain"},{"speaker":"SPEAKER_01","startTime":1337.28,"endTime":1337.6,"body":"your"},{"speaker":"SPEAKER_01","startTime":1337.6,"endTime":1338.32,"body":"discipline"},{"speaker":"SPEAKER_01","startTime":1339.12,"endTime":1339.36,"body":"you"},{"speaker":"SPEAKER_01","startTime":1339.36,"endTime":1339.6,"body":"know"},{"speaker":"SPEAKER_01","startTime":1339.6,"endTime":1339.92,"body":"you've"},{"speaker":"SPEAKER_01","startTime":1339.92,"endTime":1340.08,"body":"got"},{"speaker":"SPEAKER_01","startTime":1340.08,"endTime":1340.24,"body":"the"},{"speaker":"SPEAKER_01","startTime":1340.24,"endTime":1340.88,"body":"behavioral"},{"speaker":"SPEAKER_01","startTime":1340.88,"endTime":1341.6,"body":"fortitude"},{"speaker":"SPEAKER_01","startTime":1341.6,"endTime":1341.92,"body":"for"},{"speaker":"SPEAKER_01","startTime":1341.92,"endTime":1342.24,"body":"that,"},{"speaker":"SPEAKER_01","startTime":1342.64,"endTime":1342.96,"body":"you"},{"speaker":"SPEAKER_01","startTime":1342.96,"endTime":1343.28,"body":"really"},{"speaker":"SPEAKER_01","startTime":1343.28,"endTime":1343.6,"body":"should"},{"speaker":"SPEAKER_01","startTime":1343.6,"endTime":1343.84,"body":"get"},{"speaker":"SPEAKER_01","startTime":1343.84,"endTime":1344.16,"body":"help."},{"speaker":"SPEAKER_01","startTime":1344.64,"endTime":1344.88,"body":"I"},{"speaker":"SPEAKER_01","startTime":1344.88,"endTime":1345.04,"body":"I"},{"speaker":"SPEAKER_01","startTime":1345.36,"endTime":1345.68,"body":"I"},{"speaker":"SPEAKER_01","startTime":1345.68,"endTime":1346.0,"body":"really"},{"speaker":"SPEAKER_01","startTime":1346.0,"endTime":1346.72,"body":"believe"},{"speaker":"SPEAKER_01","startTime":1346.72,"endTime":1346.96,"body":"that."},{"speaker":"SPEAKER_01","startTime":1347.28,"endTime":1347.52,"body":"Now"},{"speaker":"SPEAKER_01","startTime":1347.6,"endTime":1347.68,"body":"I"},{"speaker":"SPEAKER_01","startTime":1347.68,"endTime":1347.84,"body":"don't"},{"speaker":"SPEAKER_01","startTime":1347.84,"endTime":1348.0,"body":"think"},{"speaker":"SPEAKER_01","startTime":1348.0,"endTime":1348.16,"body":"you"},{"speaker":"SPEAKER_01","startTime":1348.16,"endTime":1348.32,"body":"should"},{"speaker":"SPEAKER_01","startTime":1348.32,"endTime":1348.48,"body":"go"},{"speaker":"SPEAKER_01","startTime":1348.48,"endTime":1348.72,"body":"hire"},{"speaker":"SPEAKER_01","startTime":1348.72,"endTime":1348.88,"body":"one"},{"speaker":"SPEAKER_01","startTime":1348.88,"endTime":1348.96,"body":"of"},{"speaker":"SPEAKER_01","startTime":1348.96,"endTime":1349.2,"body":"these"},{"speaker":"SPEAKER_01","startTime":1349.2,"endTime":1349.28,"body":"two"},{"speaker":"SPEAKER_01","startTime":1349.44,"endTime":1349.76,"body":"percent"},{"speaker":"SPEAKER_01","startTime":1349.84,"endTime":1350.0,"body":"a"},{"speaker":"SPEAKER_01","startTime":1350.0,"endTime":1350.32,"body":"year"},{"speaker":"SPEAKER_01","startTime":1350.48,"endTime":1351.12,"body":"advisor"},{"speaker":"SPEAKER_01","startTime":1351.12,"endTime":1351.76,"body":"broker"},{"speaker":"SPEAKER_01","startTime":1351.76,"endTime":1352.0,"body":"people."},{"speaker":"SPEAKER_01","startTime":1352.64,"endTime":1352.88,"body":"Uh"},{"speaker":"SPEAKER_01","startTime":1353.04,"endTime":1353.44,"body":"depending"},{"speaker":"SPEAKER_01","startTime":1353.44,"endTime":1353.6,"body":"on"},{"speaker":"SPEAKER_01","startTime":1353.6,"endTime":1353.68,"body":"the"},{"speaker":"SPEAKER_01","startTime":1353.68,"endTime":1353.92,"body":"size"},{"speaker":"SPEAKER_01","startTime":1353.92,"endTime":1354.0,"body":"of"},{"speaker":"SPEAKER_01","startTime":1354.0,"endTime":1354.16,"body":"your"},{"speaker":"SPEAKER_01","startTime":1354.16,"endTime":1354.72,"body":"portfolio,"},{"speaker":"SPEAKER_01","startTime":1354.8,"endTime":1354.88,"body":"you"},{"speaker":"SPEAKER_01","startTime":1354.88,"endTime":1355.04,"body":"can"},{"speaker":"SPEAKER_01","startTime":1355.04,"endTime":1355.2,"body":"even"},{"speaker":"SPEAKER_01","startTime":1355.2,"endTime":1355.36,"body":"get"},{"speaker":"SPEAKER_01","startTime":1355.36,"endTime":1355.92,"body":"individual"},{"speaker":"SPEAKER_01","startTime":1355.92,"endTime":1356.32,"body":"advice"},{"speaker":"SPEAKER_01","startTime":1356.32,"endTime":1356.48,"body":"for"},{"speaker":"SPEAKER_01","startTime":1356.48,"endTime":1356.72,"body":"less"},{"speaker":"SPEAKER_01","startTime":1356.72,"endTime":1356.96,"body":"than"},{"speaker":"SPEAKER_01","startTime":1356.96,"endTime":1357.04,"body":"one"},{"speaker":"SPEAKER_01","startTime":1357.2,"endTime":1357.68,"body":"percent"},{"speaker":"SPEAKER_01","startTime":1357.68,"endTime":1357.92,"body":"per"},{"speaker":"SPEAKER_01","startTime":1357.92,"endTime":1358.24,"body":"year,"},{"speaker":"SPEAKER_01","startTime":1358.56,"endTime":1358.88,"body":"or"},{"speaker":"SPEAKER_01","startTime":1359.2,"endTime":1359.44,"body":"get"},{"speaker":"SPEAKER_01","startTime":1359.44,"endTime":1359.68,"body":"a"},{"speaker":"SPEAKER_01","startTime":1359.68,"endTime":1360.16,"body":"robo"},{"speaker":"SPEAKER_01","startTime":1360.16,"endTime":1360.72,"body":"advisor."},{"speaker":"SPEAKER_01","startTime":1361.12,"endTime":1361.44,"body":"But"},{"speaker":"SPEAKER_01","startTime":1361.52,"endTime":1361.76,"body":"um"},{"speaker":"SPEAKER_01","startTime":1363.04,"endTime":1363.36,"body":"I"},{"speaker":"SPEAKER_01","startTime":1363.36,"endTime":1363.52,"body":"I"},{"speaker":"SPEAKER_01","startTime":1363.92,"endTime":1364.08,"body":"it"},{"speaker":"SPEAKER_01","startTime":1364.08,"endTime":1364.32,"body":"does"},{"speaker":"SPEAKER_01","startTime":1364.64,"endTime":1364.8,"body":"it"},{"speaker":"SPEAKER_01","startTime":1364.8,"endTime":1365.12,"body":"doesn't"},{"speaker":"SPEAKER_01","startTime":1365.12,"endTime":1365.44,"body":"sound"},{"speaker":"SPEAKER_01","startTime":1365.44,"endTime":1365.6,"body":"like"},{"speaker":"SPEAKER_01","startTime":1365.6,"endTime":1365.92,"body":"you're"},{"speaker":"SPEAKER_01","startTime":1365.92,"endTime":1366.4,"body":"comfortable"},{"speaker":"SPEAKER_01","startTime":1366.4,"endTime":1366.72,"body":"doing"},{"speaker":"SPEAKER_01","startTime":1366.72,"endTime":1366.88,"body":"it"},{"speaker":"SPEAKER_01","startTime":1366.88,"endTime":1367.04,"body":"on"},{"speaker":"SPEAKER_01","startTime":1367.04,"endTime":1367.2,"body":"your"},{"speaker":"SPEAKER_01","startTime":1367.2,"endTime":1367.44,"body":"own"},{"speaker":"SPEAKER_01","startTime":1367.76,"endTime":1367.92,"body":"if"},{"speaker":"SPEAKER_01","startTime":1367.92,"endTime":1368.08,"body":"you"},{"speaker":"SPEAKER_01","startTime":1368.08,"endTime":1368.24,"body":"need"},{"speaker":"SPEAKER_01","startTime":1368.24,"endTime":1368.48,"body":"that"},{"speaker":"SPEAKER_01","startTime":1368.48,"endTime":1368.64,"body":"kind"},{"speaker":"SPEAKER_01","startTime":1368.64,"endTime":1368.8,"body":"of"},{"speaker":"SPEAKER_01","startTime":1370.0,"endTime":1370.88,"body":"step-by-step"},{"speaker":"SPEAKER_01","startTime":1371.04,"endTime":1371.36,"body":"help."},{"speaker":"SPEAKER_01","startTime":1371.84,"endTime":1372.16,"body":"Thank"},{"speaker":"SPEAKER_01","startTime":1372.16,"endTime":1372.32,"body":"you"},{"speaker":"SPEAKER_01","startTime":1372.32,"endTime":1372.56,"body":"so"},{"speaker":"SPEAKER_01","startTime":1372.56,"endTime":1372.72,"body":"much"},{"speaker":"SPEAKER_01","startTime":1372.72,"endTime":1372.96,"body":"for"},{"speaker":"SPEAKER_01","startTime":1372.96,"endTime":1373.12,"body":"your"},{"speaker":"SPEAKER_01","startTime":1373.12,"endTime":1373.44,"body":"call."},{"speaker":"SPEAKER_01","startTime":1373.52,"endTime":1373.68,"body":"Thank"},{"speaker":"SPEAKER_01","startTime":1373.68,"endTime":1373.84,"body":"you."},{"speaker":"SPEAKER_01","startTime":1374.0,"endTime":1374.16,"body":"Well,"},{"speaker":"SPEAKER_01","startTime":1374.32,"endTime":1374.64,"body":"question,"},{"speaker":"SPEAKER_01","startTime":1374.8,"endTime":1375.04,"body":"they're"},{"speaker":"SPEAKER_01","startTime":1375.04,"endTime":1375.2,"body":"not"},{"speaker":"SPEAKER_01","startTime":1375.2,"endTime":1375.44,"body":"really"},{"speaker":"SPEAKER_01","startTime":1375.44,"endTime":1376.0,"body":"calls."},{"speaker":"SPEAKER_01","startTime":1376.16,"endTime":1376.56,"body":"It's"},{"speaker":"SPEAKER_01","startTime":1376.56,"endTime":1376.88,"body":"talk"},{"speaker":"SPEAKER_01","startTime":1377.04,"endTime":1377.44,"body":"radio,"},{"speaker":"SPEAKER_01","startTime":1377.68,"endTime":1378.0,"body":"40"},{"speaker":"SPEAKER_01","startTime":1378.0,"endTime":1378.24,"body":"years"},{"speaker":"SPEAKER_01","startTime":1378.24,"endTime":1378.4,"body":"in"},{"speaker":"SPEAKER_01","startTime":1378.4,"endTime":1378.64,"body":"talk"},{"speaker":"SPEAKER_01","startTime":1378.72,"endTime":1379.04,"body":"radio."},{"speaker":"SPEAKER_01","startTime":1379.12,"endTime":1379.28,"body":"I"},{"speaker":"SPEAKER_01","startTime":1379.28,"endTime":1379.52,"body":"keep"},{"speaker":"SPEAKER_01","startTime":1379.52,"endTime":1379.76,"body":"saying"},{"speaker":"SPEAKER_01","startTime":1379.76,"endTime":1379.92,"body":"the"},{"speaker":"SPEAKER_01","startTime":1379.92,"endTime":1380.16,"body":"same"},{"speaker":"SPEAKER_01","startTime":1380.16,"endTime":1380.4,"body":"things"},{"speaker":"SPEAKER_01","startTime":1380.4,"endTime":1380.56,"body":"over"},{"speaker":"SPEAKER_01","startTime":1380.56,"endTime":1380.72,"body":"and"},{"speaker":"SPEAKER_01","startTime":1380.72,"endTime":1380.88,"body":"over"},{"speaker":"SPEAKER_01","startTime":1380.88,"endTime":1381.04,"body":"and"},{"speaker":"SPEAKER_01","startTime":1381.04,"endTime":1381.2,"body":"over"},{"speaker":"SPEAKER_01","startTime":1381.2,"endTime":1381.28,"body":"and"},{"speaker":"SPEAKER_01","startTime":1381.28,"endTime":1381.44,"body":"over"},{"speaker":"SPEAKER_01","startTime":1381.44,"endTime":1381.76,"body":"again."},{"speaker":"SPEAKER_01","startTime":1382.16,"endTime":1382.72,"body":"Caller"},{"speaker":"SPEAKER_01","startTime":1382.72,"endTime":1382.88,"body":"gets"},{"speaker":"SPEAKER_01","startTime":1383.12,"endTime":1383.52,"body":"gets"},{"speaker":"SPEAKER_01","startTime":1383.52,"endTime":1383.68,"body":"just"},{"speaker":"SPEAKER_01","startTime":1384.08,"endTime":1384.64,"body":"pounded"},{"speaker":"SPEAKER_01","startTime":1384.64,"endTime":1384.88,"body":"into"},{"speaker":"SPEAKER_01","startTime":1384.88,"endTime":1385.04,"body":"your"},{"speaker":"SPEAKER_01","startTime":1385.04,"endTime":1385.36,"body":"brain,"},{"speaker":"SPEAKER_01","startTime":1385.44,"endTime":1385.6,"body":"you"},{"speaker":"SPEAKER_01","startTime":1385.6,"endTime":1385.68,"body":"know?"},{"speaker":"SPEAKER_01","startTime":1385.92,"endTime":1386.32,"body":"Call"},{"speaker":"SPEAKER_01","startTime":1386.32,"endTime":1386.48,"body":"us"},{"speaker":"SPEAKER_01","startTime":1386.48,"endTime":1386.72,"body":"at"},{"speaker":"SPEAKER_01","startTime":1387.68,"endTime":1387.92,"body":"Don't"},{"speaker":"SPEAKER_01","startTime":1388.0,"endTime":1388.24,"body":"Call"},{"speaker":"SPEAKER_01","startTime":1388.24,"endTime":1388.4,"body":"Us."},{"speaker":"SPEAKER_01","startTime":1388.56,"endTime":1388.72,"body":"Go"},{"speaker":"SPEAKER_01","startTime":1388.72,"endTime":1388.88,"body":"to"},{"speaker":"SPEAKER_01","startTime":1388.88,"endTime":1390.56,"body":"talkingrealmoney.com."},{"speaker":"SPEAKER_01","startTime":1391.2,"endTime":1391.6,"body":"Click"},{"speaker":"SPEAKER_01","startTime":1391.6,"endTime":1391.76,"body":"that"},{"speaker":"SPEAKER_01","startTime":1391.76,"endTime":1392.0,"body":"button"},{"speaker":"SPEAKER_01","startTime":1392.0,"endTime":1392.08,"body":"that"},{"speaker":"SPEAKER_01","startTime":1392.08,"endTime":1392.4,"body":"says"},{"speaker":"SPEAKER_01","startTime":1392.4,"endTime":1392.72,"body":"ask"},{"speaker":"SPEAKER_01","startTime":1392.72,"endTime":1392.8,"body":"a"},{"speaker":"SPEAKER_01","startTime":1392.8,"endTime":1393.04,"body":"question,"},{"speaker":"SPEAKER_01","startTime":1393.2,"endTime":1393.28,"body":"but"},{"speaker":"SPEAKER_01","startTime":1393.44,"endTime":1393.52,"body":"the"},{"speaker":"SPEAKER_01","startTime":1393.52,"endTime":1393.84,"body":"times"},{"speaker":"SPEAKER_01","startTime":1393.84,"endTime":1394.16,"body":"they"},{"speaker":"SPEAKER_01","startTime":1394.16,"endTime":1394.32,"body":"are"},{"speaker":"SPEAKER_01","startTime":1394.56,"endTime":1395.36,"body":"changing."},{"speaker":"SPEAKER_01","startTime":1396.24,"endTime":1396.56,"body":"And"},{"speaker":"SPEAKER_01","startTime":1396.64,"endTime":1396.88,"body":"uh"},{"speaker":"SPEAKER_01","startTime":1397.44,"endTime":1397.92,"body":"speak"},{"speaker":"SPEAKER_01","startTime":1397.92,"endTime":1398.08,"body":"your"},{"speaker":"SPEAKER_01","startTime":1398.08,"endTime":1398.4,"body":"questions"},{"speaker":"SPEAKER_01","startTime":1398.4,"endTime":1398.48,"body":"in"},{"speaker":"SPEAKER_01","startTime":1398.56,"endTime":1398.8,"body":"so"},{"speaker":"SPEAKER_01","startTime":1398.8,"endTime":1398.88,"body":"I"},{"speaker":"SPEAKER_01","startTime":1398.88,"endTime":1398.96,"body":"can"},{"speaker":"SPEAKER_01","startTime":1398.96,"endTime":1399.12,"body":"put"},{"speaker":"SPEAKER_01","startTime":1399.12,"endTime":1399.2,"body":"them"},{"speaker":"SPEAKER_01","startTime":1399.2,"endTime":1399.28,"body":"on"},{"speaker":"SPEAKER_01","startTime":1399.28,"endTime":1399.44,"body":"the"},{"speaker":"SPEAKER_01","startTime":1399.44,"endTime":1400.08,"body":"Friday"},{"speaker":"SPEAKER_01","startTime":1400.08,"endTime":1400.56,"body":"podcast."},{"speaker":"SPEAKER_01","startTime":1400.64,"endTime":1400.72,"body":"And"},{"speaker":"SPEAKER_01","startTime":1400.8,"endTime":1400.96,"body":"you"},{"speaker":"SPEAKER_01","startTime":1400.96,"endTime":1401.12,"body":"know,"},{"speaker":"SPEAKER_01","startTime":1401.2,"endTime":1401.44,"body":"the"},{"speaker":"SPEAKER_01","startTime":1401.44,"endTime":1401.6,"body":"more"},{"speaker":"SPEAKER_01","startTime":1401.68,"endTime":1401.92,"body":"the"},{"speaker":"SPEAKER_01","startTime":1401.92,"endTime":1402.16,"body":"better."},{"speaker":"SPEAKER_01","startTime":1402.72,"endTime":1402.96,"body":"And"},{"speaker":"SPEAKER_01","startTime":1402.96,"endTime":1403.2,"body":"this"},{"speaker":"SPEAKER_01","startTime":1403.2,"endTime":1403.36,"body":"was"},{"speaker":"SPEAKER_01","startTime":1403.36,"endTime":1403.44,"body":"a"},{"speaker":"SPEAKER_01","startTime":1403.44,"endTime":1403.68,"body":"good"},{"speaker":"SPEAKER_01","startTime":1403.68,"endTime":1403.84,"body":"one."},{"speaker":"SPEAKER_01","startTime":1404.0,"endTime":1404.32,"body":"Thanks"},{"speaker":"SPEAKER_01","startTime":1404.32,"endTime":1404.48,"body":"for"},{"speaker":"SPEAKER_01","startTime":1404.48,"endTime":1404.64,"body":"all"},{"speaker":"SPEAKER_01","startTime":1404.64,"endTime":1404.72,"body":"the"},{"speaker":"SPEAKER_01","startTime":1404.72,"endTime":1404.96,"body":"great"},{"speaker":"SPEAKER_01","startTime":1404.96,"endTime":1405.36,"body":"questions."},{"speaker":"SPEAKER_01","startTime":1405.44,"endTime":1405.76,"body":"They"},{"speaker":"SPEAKER_01","startTime":1405.76,"endTime":1406.08,"body":"were"},{"speaker":"SPEAKER_01","startTime":1406.08,"endTime":1406.32,"body":"really"},{"speaker":"SPEAKER_01","startTime":1406.32,"endTime":1406.88,"body":"different."},{"speaker":"SPEAKER_01","startTime":1407.04,"endTime":1407.28,"body":"This"},{"speaker":"SPEAKER_01","startTime":1407.28,"endTime":1407.44,"body":"was"},{"speaker":"SPEAKER_01","startTime":1407.44,"endTime":1407.6,"body":"a"},{"speaker":"SPEAKER_01","startTime":1407.6,"endTime":1408.08,"body":"truly"},{"speaker":"SPEAKER_01","startTime":1408.08,"endTime":1408.64,"body":"different"},{"speaker":"SPEAKER_01","startTime":1408.64,"endTime":1409.12,"body":"edition."},{"speaker":"SPEAKER_01","startTime":1409.28,"endTime":1409.44,"body":"And"},{"speaker":"SPEAKER_01","startTime":1409.44,"endTime":1409.84,"body":"please"},{"speaker":"SPEAKER_01","startTime":1409.84,"endTime":1410.08,"body":"tell"},{"speaker":"SPEAKER_01","startTime":1410.08,"endTime":1410.48,"body":"friends"},{"speaker":"SPEAKER_01","startTime":1410.48,"endTime":1410.64,"body":"about"},{"speaker":"SPEAKER_01","startTime":1410.64,"endTime":1410.88,"body":"the"},{"speaker":"SPEAKER_01","startTime":1410.88,"endTime":1411.2,"body":"program."},{"speaker":"SPEAKER_01","startTime":1411.44,"endTime":1412.0,"body":"Please,"},{"speaker":"SPEAKER_01","startTime":1412.24,"endTime":1412.72,"body":"please"},{"speaker":"SPEAKER_01","startTime":1412.88,"endTime":1413.28,"body":"spread"},{"speaker":"SPEAKER_01","startTime":1413.28,"endTime":1413.52,"body":"the"},{"speaker":"SPEAKER_01","startTime":1413.52,"endTime":1413.68,"body":"word."},{"speaker":"SPEAKER_01","startTime":1413.84,"endTime":1414.08,"body":"We're"},{"speaker":"SPEAKER_01","startTime":1414.08,"endTime":1414.4,"body":"trying"},{"speaker":"SPEAKER_01","startTime":1414.4,"endTime":1414.56,"body":"to"},{"speaker":"SPEAKER_01","startTime":1414.56,"endTime":1414.72,"body":"do"},{"speaker":"SPEAKER_01","startTime":1414.72,"endTime":1415.12,"body":"something"},{"speaker":"SPEAKER_01","startTime":1415.12,"endTime":1415.44,"body":"really"},{"speaker":"SPEAKER_01","startTime":1415.44,"endTime":1415.68,"body":"important"},{"speaker":"SPEAKER_01","startTime":1415.68,"endTime":1415.84,"body":"here,"},{"speaker":"SPEAKER_01","startTime":1415.92,"endTime":1416.08,"body":"and"},{"speaker":"SPEAKER_01","startTime":1416.08,"endTime":1416.64,"body":"that's"},{"speaker":"SPEAKER_01","startTime":1416.64,"endTime":1416.96,"body":"make"},{"speaker":"SPEAKER_01","startTime":1417.12,"endTime":1417.76,"body":"everyone"},{"speaker":"SPEAKER_01","startTime":1417.76,"endTime":1418.0,"body":"a"},{"speaker":"SPEAKER_01","startTime":1418.0,"endTime":1418.24,"body":"little"},{"speaker":"SPEAKER_01","startTime":1418.24,"endTime":1418.48,"body":"bit"},{"speaker":"SPEAKER_01","startTime":1418.48,"endTime":1418.8,"body":"more"},{"speaker":"SPEAKER_01","startTime":1418.8,"endTime":1419.52,"body":"literate"},{"speaker":"SPEAKER_01","startTime":1419.52,"endTime":1419.76,"body":"about"},{"speaker":"SPEAKER_01","startTime":1419.76,"endTime":1420.16,"body":"money"},{"speaker":"SPEAKER_01","startTime":1420.16,"endTime":1420.48,"body":"and"},{"speaker":"SPEAKER_01","startTime":1420.48,"endTime":1420.96,"body":"investing"},{"speaker":"SPEAKER_01","startTime":1421.12,"endTime":1421.44,"body":"and"},{"speaker":"SPEAKER_01","startTime":1422.16,"endTime":1422.48,"body":"not"},{"speaker":"SPEAKER_01","startTime":1422.48,"endTime":1422.96,"body":"doing"},{"speaker":"SPEAKER_01","startTime":1422.96,"endTime":1423.52,"body":"stupid"},{"speaker":"SPEAKER_01","startTime":1423.52,"endTime":1423.84,"body":"stuff."},{"speaker":"SPEAKER_01","startTime":1424.64,"endTime":1424.96,"body":"And"},{"speaker":"SPEAKER_01","startTime":1424.96,"endTime":1425.28,"body":"also,"},{"speaker":"SPEAKER_01","startTime":1425.76,"endTime":1426.0,"body":"for"},{"speaker":"SPEAKER_01","startTime":1426.0,"endTime":1426.24,"body":"all"},{"speaker":"SPEAKER_01","startTime":1426.24,"endTime":1426.32,"body":"of"},{"speaker":"SPEAKER_01","startTime":1426.32,"endTime":1426.56,"body":"you"},{"speaker":"SPEAKER_01","startTime":1426.56,"endTime":1426.72,"body":"who"},{"speaker":"SPEAKER_01","startTime":1426.72,"endTime":1426.96,"body":"think,"},{"speaker":"SPEAKER_01","startTime":1427.12,"endTime":1427.28,"body":"well,"},{"speaker":"SPEAKER_01","startTime":1427.36,"endTime":1427.6,"body":"you"},{"speaker":"SPEAKER_01","startTime":1427.6,"endTime":1427.68,"body":"know,"},{"speaker":"SPEAKER_01","startTime":1427.92,"endTime":1428.08,"body":"I"},{"speaker":"SPEAKER_01","startTime":1428.08,"endTime":1428.32,"body":"don't"},{"speaker":"SPEAKER_01","startTime":1428.32,"endTime":1428.48,"body":"really"},{"speaker":"SPEAKER_01","startTime":1428.48,"endTime":1428.64,"body":"need"},{"speaker":"SPEAKER_01","startTime":1428.64,"endTime":1428.72,"body":"to"},{"speaker":"SPEAKER_01","startTime":1428.72,"endTime":1428.96,"body":"hire"},{"speaker":"SPEAKER_01","startTime":1428.96,"endTime":1429.12,"body":"an"},{"speaker":"SPEAKER_01","startTime":1429.12,"endTime":1429.6,"body":"advisor,"},{"speaker":"SPEAKER_01","startTime":1429.68,"endTime":1429.84,"body":"but"},{"speaker":"SPEAKER_01","startTime":1430.08,"endTime":1430.4,"body":"maybe"},{"speaker":"SPEAKER_01","startTime":1430.4,"endTime":1430.48,"body":"I"},{"speaker":"SPEAKER_01","startTime":1430.48,"endTime":1430.72,"body":"should"},{"speaker":"SPEAKER_01","startTime":1430.72,"endTime":1430.8,"body":"have"},{"speaker":"SPEAKER_01","startTime":1430.8,"endTime":1431.2,"body":"somebody"},{"speaker":"SPEAKER_01","startTime":1431.2,"endTime":1431.36,"body":"look"},{"speaker":"SPEAKER_01","startTime":1431.36,"endTime":1431.44,"body":"at"},{"speaker":"SPEAKER_01","startTime":1431.44,"endTime":1431.6,"body":"my"},{"speaker":"SPEAKER_01","startTime":1431.6,"endTime":1432.16,"body":"portfolio."},{"speaker":"SPEAKER_01","startTime":1432.32,"endTime":1432.64,"body":"Hint"},{"speaker":"SPEAKER_01","startTime":1432.72,"endTime":1433.04,"body":"hint."},{"speaker":"SPEAKER_01","startTime":1434.08,"endTime":1434.4,"body":"Set"},{"speaker":"SPEAKER_01","startTime":1434.4,"endTime":1434.48,"body":"up"},{"speaker":"SPEAKER_01","startTime":1434.48,"endTime":1434.64,"body":"an"},{"speaker":"SPEAKER_01","startTime":1434.64,"endTime":1434.96,"body":"appointment"},{"speaker":"SPEAKER_01","startTime":1434.96,"endTime":1435.12,"body":"with"},{"speaker":"SPEAKER_01","startTime":1435.12,"endTime":1435.28,"body":"one"},{"speaker":"SPEAKER_01","startTime":1435.28,"endTime":1435.36,"body":"of"},{"speaker":"SPEAKER_01","startTime":1435.36,"endTime":1435.44,"body":"our"},{"speaker":"SPEAKER_01","startTime":1435.44,"endTime":1435.76,"body":"advisors"},{"speaker":"SPEAKER_01","startTime":1435.76,"endTime":1436.0,"body":"at"},{"speaker":"SPEAKER_01","startTime":1436.0,"endTime":1436.48,"body":"Appella."},{"speaker":"SPEAKER_01","startTime":1436.64,"endTime":1436.96,"body":"I"},{"speaker":"SPEAKER_01","startTime":1436.96,"endTime":1437.52,"body":"promise"},{"speaker":"SPEAKER_01","startTime":1437.52,"endTime":1437.68,"body":"you,"},{"speaker":"SPEAKER_01","startTime":1438.0,"endTime":1438.16,"body":"one,"},{"speaker":"SPEAKER_01","startTime":1438.4,"endTime":1438.72,"body":"it'll"},{"speaker":"SPEAKER_01","startTime":1438.72,"endTime":1438.88,"body":"be"},{"speaker":"SPEAKER_01","startTime":1438.88,"endTime":1439.2,"body":"free."},{"speaker":"SPEAKER_01","startTime":1439.92,"endTime":1440.24,"body":"Two,"},{"speaker":"SPEAKER_01","startTime":1440.32,"endTime":1440.56,"body":"they're"},{"speaker":"SPEAKER_01","startTime":1440.56,"endTime":1440.72,"body":"not"},{"speaker":"SPEAKER_01","startTime":1440.72,"endTime":1440.96,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":1440.96,"endTime":1441.2,"body":"ask"},{"speaker":"SPEAKER_01","startTime":1441.2,"endTime":1441.36,"body":"for"},{"speaker":"SPEAKER_01","startTime":1441.36,"endTime":1441.68,"body":"anything"},{"speaker":"SPEAKER_01","startTime":1441.68,"endTime":1441.84,"body":"in"},{"speaker":"SPEAKER_01","startTime":1441.84,"endTime":1442.24,"body":"return."},{"speaker":"SPEAKER_01","startTime":1442.32,"endTime":1442.4,"body":"You"},{"speaker":"SPEAKER_01","startTime":1442.4,"endTime":1442.56,"body":"know,"},{"speaker":"SPEAKER_01","startTime":1442.64,"endTime":1442.72,"body":"not"},{"speaker":"SPEAKER_01","startTime":1442.88,"endTime":1443.04,"body":"they're"},{"speaker":"SPEAKER_01","startTime":1443.04,"endTime":1443.12,"body":"not"},{"speaker":"SPEAKER_01","startTime":1443.2,"endTime":1443.36,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":1443.36,"endTime":1443.52,"body":"ask"},{"speaker":"SPEAKER_01","startTime":1443.52,"endTime":1443.6,"body":"you"},{"speaker":"SPEAKER_01","startTime":1443.6,"endTime":1443.68,"body":"to"},{"speaker":"SPEAKER_01","startTime":1443.68,"endTime":1443.84,"body":"take"},{"speaker":"SPEAKER_01","startTime":1443.84,"endTime":1443.92,"body":"them"},{"speaker":"SPEAKER_01","startTime":1443.92,"endTime":1444.0,"body":"to"},{"speaker":"SPEAKER_01","startTime":1444.0,"endTime":1444.16,"body":"dinner,"},{"speaker":"SPEAKER_01","startTime":1444.24,"endTime":1444.4,"body":"and"},{"speaker":"SPEAKER_01","startTime":1444.4,"endTime":1444.56,"body":"we're"},{"speaker":"SPEAKER_01","startTime":1444.56,"endTime":1444.64,"body":"not"},{"speaker":"SPEAKER_01","startTime":1444.64,"endTime":1444.8,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":1444.8,"endTime":1444.88,"body":"give"},{"speaker":"SPEAKER_01","startTime":1444.88,"endTime":1445.04,"body":"you"},{"speaker":"SPEAKER_01","startTime":1445.04,"endTime":1445.12,"body":"a"},{"speaker":"SPEAKER_01","startTime":1445.12,"endTime":1445.44,"body":"steak"},{"speaker":"SPEAKER_01","startTime":1445.44,"endTime":1445.84,"body":"dinner."},{"speaker":"SPEAKER_01","startTime":1446.08,"endTime":1446.32,"body":"And"},{"speaker":"SPEAKER_01","startTime":1446.32,"endTime":1446.8,"body":"three,"},{"speaker":"SPEAKER_01","startTime":1447.12,"endTime":1447.36,"body":"there's"},{"speaker":"SPEAKER_01","startTime":1447.36,"endTime":1447.52,"body":"not"},{"speaker":"SPEAKER_01","startTime":1447.52,"endTime":1447.76,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":1447.76,"endTime":1447.84,"body":"be"},{"speaker":"SPEAKER_01","startTime":1447.84,"endTime":1448.0,"body":"any"},{"speaker":"SPEAKER_01","startTime":1448.0,"endTime":1448.48,"body":"high-pressure"},{"speaker":"SPEAKER_01","startTime":1448.48,"endTime":1448.8,"body":"sales"},{"speaker":"SPEAKER_01","startTime":1448.8,"endTime":1449.12,"body":"pitch."},{"speaker":"SPEAKER_01","startTime":1449.2,"endTime":1449.36,"body":"We"},{"speaker":"SPEAKER_01","startTime":1449.36,"endTime":1449.6,"body":"don't"},{"speaker":"SPEAKER_01","startTime":1449.6,"endTime":1449.76,"body":"do"},{"speaker":"SPEAKER_01","startTime":1449.76,"endTime":1449.84,"body":"that."},{"speaker":"SPEAKER_01","startTime":1450.0,"endTime":1450.16,"body":"We"},{"speaker":"SPEAKER_01","startTime":1450.16,"endTime":1450.32,"body":"don't"},{"speaker":"SPEAKER_01","startTime":1450.32,"endTime":1450.56,"body":"believe"},{"speaker":"SPEAKER_01","startTime":1450.56,"endTime":1450.64,"body":"in"},{"speaker":"SPEAKER_01","startTime":1450.64,"endTime":1450.8,"body":"it,"},{"speaker":"SPEAKER_01","startTime":1450.88,"endTime":1451.04,"body":"we"},{"speaker":"SPEAKER_01","startTime":1451.04,"endTime":1451.28,"body":"don't"},{"speaker":"SPEAKER_01","startTime":1451.28,"endTime":1451.52,"body":"need"},{"speaker":"SPEAKER_01","startTime":1451.52,"endTime":1451.68,"body":"to."},{"speaker":"SPEAKER_01","startTime":1452.08,"endTime":1452.24,"body":"Now,"},{"speaker":"SPEAKER_01","startTime":1452.32,"endTime":1452.4,"body":"if"},{"speaker":"SPEAKER_01","startTime":1452.4,"endTime":1452.56,"body":"you"},{"speaker":"SPEAKER_01","startTime":1452.56,"endTime":1452.64,"body":"want"},{"speaker":"SPEAKER_01","startTime":1452.64,"endTime":1452.72,"body":"to"},{"speaker":"SPEAKER_01","startTime":1452.72,"endTime":1452.96,"body":"hire"},{"speaker":"SPEAKER_01","startTime":1452.96,"endTime":1453.04,"body":"us,"},{"speaker":"SPEAKER_01","startTime":1453.12,"endTime":1453.36,"body":"we'd"},{"speaker":"SPEAKER_01","startTime":1453.36,"endTime":1453.6,"body":"love"},{"speaker":"SPEAKER_01","startTime":1453.6,"endTime":1453.68,"body":"to"},{"speaker":"SPEAKER_01","startTime":1453.68,"endTime":1453.76,"body":"have"},{"speaker":"SPEAKER_01","startTime":1453.76,"endTime":1453.92,"body":"you"},{"speaker":"SPEAKER_01","startTime":1453.92,"endTime":1454.16,"body":"hire"},{"speaker":"SPEAKER_01","startTime":1454.16,"endTime":1454.32,"body":"us."},{"speaker":"SPEAKER_01","startTime":1454.4,"endTime":1454.56,"body":"That"},{"speaker":"SPEAKER_01","startTime":1454.56,"endTime":1454.72,"body":"would"},{"speaker":"SPEAKER_01","startTime":1454.72,"endTime":1454.96,"body":"be"},{"speaker":"SPEAKER_01","startTime":1454.96,"endTime":1455.2,"body":"a"},{"speaker":"SPEAKER_01","startTime":1455.2,"endTime":1455.68,"body":"huge"},{"speaker":"SPEAKER_01","startTime":1455.68,"endTime":1456.24,"body":"compliment."},{"speaker":"SPEAKER_01","startTime":1457.76,"endTime":1457.92,"body":"And"},{"speaker":"SPEAKER_01","startTime":1457.92,"endTime":1458.08,"body":"you"},{"speaker":"SPEAKER_01","startTime":1458.08,"endTime":1458.32,"body":"might"},{"speaker":"SPEAKER_01","startTime":1458.32,"endTime":1458.56,"body":"find"},{"speaker":"SPEAKER_01","startTime":1458.56,"endTime":1458.72,"body":"it"},{"speaker":"SPEAKER_01","startTime":1458.96,"endTime":1459.36,"body":"helps"},{"speaker":"SPEAKER_01","startTime":1459.44,"endTime":1459.76,"body":"too,"},{"speaker":"SPEAKER_01","startTime":1459.84,"endTime":1460.08,"body":"but"},{"speaker":"SPEAKER_01","startTime":1460.08,"endTime":1460.56,"body":"either"},{"speaker":"SPEAKER_01","startTime":1460.56,"endTime":1460.72,"body":"way,"},{"speaker":"SPEAKER_01","startTime":1460.88,"endTime":1461.04,"body":"we"},{"speaker":"SPEAKER_01","startTime":1461.04,"endTime":1461.44,"body":"don't"},{"speaker":"SPEAKER_01","startTime":1461.44,"endTime":1461.68,"body":"care."},{"speaker":"SPEAKER_01","startTime":1461.92,"endTime":1462.16,"body":"We"},{"speaker":"SPEAKER_01","startTime":1462.16,"endTime":1462.32,"body":"want"},{"speaker":"SPEAKER_01","startTime":1462.32,"endTime":1462.56,"body":"to"},{"speaker":"SPEAKER_01","startTime":1462.56,"endTime":1462.88,"body":"help,"},{"speaker":"SPEAKER_01","startTime":1463.2,"endTime":1463.6,"body":"whether"},{"speaker":"SPEAKER_01","startTime":1463.6,"endTime":1463.76,"body":"you"},{"speaker":"SPEAKER_01","startTime":1463.76,"endTime":1463.92,"body":"pay"},{"speaker":"SPEAKER_01","startTime":1463.92,"endTime":1464.08,"body":"us"},{"speaker":"SPEAKER_01","startTime":1464.08,"endTime":1464.16,"body":"or"},{"speaker":"SPEAKER_01","startTime":1464.16,"endTime":1464.32,"body":"not."},{"speaker":"SPEAKER_01","startTime":1464.4,"endTime":1464.56,"body":"So"},{"speaker":"SPEAKER_01","startTime":1464.64,"endTime":1464.8,"body":"go"},{"speaker":"SPEAKER_01","startTime":1464.8,"endTime":1464.88,"body":"to"},{"speaker":"SPEAKER_01","startTime":1464.88,"endTime":1466.16,"body":"talkingrealmoney.com,"},{"speaker":"SPEAKER_01","startTime":1466.24,"endTime":1466.4,"body":"click"},{"speaker":"SPEAKER_01","startTime":1466.4,"endTime":1466.48,"body":"the"},{"speaker":"SPEAKER_01","startTime":1466.48,"endTime":1466.64,"body":"button"},{"speaker":"SPEAKER_01","startTime":1466.64,"endTime":1466.72,"body":"that"},{"speaker":"SPEAKER_01","startTime":1466.72,"endTime":1467.04,"body":"says"},{"speaker":"SPEAKER_01","startTime":1467.04,"endTime":1467.28,"body":"meet"},{"speaker":"SPEAKER_01","startTime":1467.28,"endTime":1467.44,"body":"an"},{"speaker":"SPEAKER_01","startTime":1467.44,"endTime":1467.84,"body":"advisor,"},{"speaker":"SPEAKER_01","startTime":1468.0,"endTime":1468.24,"body":"meet"},{"speaker":"SPEAKER_01","startTime":1468.24,"endTime":1468.4,"body":"an"},{"speaker":"SPEAKER_01","startTime":1468.4,"endTime":1468.8,"body":"advisor."},{"speaker":"SPEAKER_01","startTime":1468.88,"endTime":1469.04,"body":"You"},{"speaker":"SPEAKER_01","startTime":1469.04,"endTime":1469.2,"body":"can"},{"speaker":"SPEAKER_01","startTime":1469.2,"endTime":1469.36,"body":"even"},{"speaker":"SPEAKER_01","startTime":1469.36,"endTime":1469.52,"body":"meet"},{"speaker":"SPEAKER_01","startTime":1469.52,"endTime":1469.84,"body":"with"},{"speaker":"SPEAKER_01","startTime":1469.84,"endTime":1470.16,"body":"Tom."},{"speaker":"SPEAKER_01","startTime":1470.48,"endTime":1470.88,"body":"Thanks"},{"speaker":"SPEAKER_01","startTime":1470.88,"endTime":1471.04,"body":"so"},{"speaker":"SPEAKER_01","startTime":1471.04,"endTime":1471.2,"body":"much"},{"speaker":"SPEAKER_01","startTime":1471.2,"endTime":1471.36,"body":"for"},{"speaker":"SPEAKER_01","startTime":1471.36,"endTime":1471.6,"body":"being"},{"speaker":"SPEAKER_01","startTime":1471.6,"endTime":1471.76,"body":"a"},{"speaker":"SPEAKER_01","startTime":1471.76,"endTime":1471.92,"body":"part"},{"speaker":"SPEAKER_01","startTime":1471.92,"endTime":1472.0,"body":"of"},{"speaker":"SPEAKER_01","startTime":1472.0,"endTime":1472.16,"body":"the"},{"speaker":"SPEAKER_01","startTime":1472.16,"endTime":1472.4,"body":"program,"},{"speaker":"SPEAKER_01","startTime":1472.48,"endTime":1472.64,"body":"and"},{"speaker":"SPEAKER_01","startTime":1472.64,"endTime":1473.04,"body":"remember,"},{"speaker":"SPEAKER_01","startTime":1473.12,"endTime":1473.44,"body":"we're"},{"speaker":"SPEAKER_01","startTime":1473.44,"endTime":1473.76,"body":"here"},{"speaker":"SPEAKER_01","startTime":1473.76,"endTime":1474.4,"body":"five"},{"speaker":"SPEAKER_01","startTime":1474.4,"endTime":1474.96,"body":"darn"},{"speaker":"SPEAKER_01","startTime":1474.96,"endTime":1475.52,"body":"days"},{"speaker":"SPEAKER_01","startTime":1475.52,"endTime":1475.76,"body":"a"},{"speaker":"SPEAKER_01","startTime":1475.76,"endTime":1476.4,"body":"week"},{"speaker":"SPEAKER_01","startTime":1476.72,"endTime":1477.52,"body":"talking"},{"speaker":"SPEAKER_01","startTime":1477.52,"endTime":1477.76,"body":"real"},{"speaker":"SPEAKER_01","startTime":1478.0,"endTime":1478.72,"body":"money."},{"speaker":"SPEAKER_02","startTime":1479.04,"endTime":1479.28,"body":"The"},{"speaker":"SPEAKER_02","startTime":1479.28,"endTime":1479.68,"body":"opinions"},{"speaker":"SPEAKER_02","startTime":1479.68,"endTime":1479.84,"body":"and"},{"speaker":"SPEAKER_02","startTime":1479.84,"endTime":1480.16,"body":"views"},{"speaker":"SPEAKER_02","startTime":1480.16,"endTime":1480.4,"body":"expressed"},{"speaker":"SPEAKER_02","startTime":1480.4,"endTime":1480.48,"body":"on"},{"speaker":"SPEAKER_02","startTime":1480.48,"endTime":1480.56,"body":"this"},{"speaker":"SPEAKER_02","startTime":1480.56,"endTime":1480.88,"body":"podcast"},{"speaker":"SPEAKER_02","startTime":1480.88,"endTime":1481.04,"body":"were"},{"speaker":"SPEAKER_02","startTime":1481.04,"endTime":1481.28,"body":"current"},{"speaker":"SPEAKER_02","startTime":1481.28,"endTime":1481.36,"body":"on"},{"speaker":"SPEAKER_02","startTime":1481.36,"endTime":1481.44,"body":"the"},{"speaker":"SPEAKER_02","startTime":1481.44,"endTime":1481.68,"body":"date"},{"speaker":"SPEAKER_02","startTime":1481.68,"endTime":1481.92,"body":"recorded."},{"speaker":"SPEAKER_02","startTime":1482.08,"endTime":1482.48,"body":"Opinions,"},{"speaker":"SPEAKER_02","startTime":1482.56,"endTime":1482.88,"body":"estimates,"},{"speaker":"SPEAKER_02","startTime":1482.96,"endTime":1483.36,"body":"forecasts,"},{"speaker":"SPEAKER_02","startTime":1483.44,"endTime":1483.52,"body":"and"},{"speaker":"SPEAKER_02","startTime":1483.52,"endTime":1483.76,"body":"statements"},{"speaker":"SPEAKER_02","startTime":1483.76,"endTime":1483.92,"body":"of"},{"speaker":"SPEAKER_02","startTime":1483.92,"endTime":1484.24,"body":"financial"},{"speaker":"SPEAKER_02","startTime":1484.24,"endTime":1484.48,"body":"market"},{"speaker":"SPEAKER_02","startTime":1484.48,"endTime":1484.8,"body":"trends"},{"speaker":"SPEAKER_02","startTime":1484.8,"endTime":1484.88,"body":"that"},{"speaker":"SPEAKER_02","startTime":1484.88,"endTime":1484.96,"body":"are"},{"speaker":"SPEAKER_02","startTime":1484.96,"endTime":1485.12,"body":"based"},{"speaker":"SPEAKER_02","startTime":1485.12,"endTime":1485.28,"body":"on"},{"speaker":"SPEAKER_02","startTime":1485.28,"endTime":1485.52,"body":"current"},{"speaker":"SPEAKER_02","startTime":1485.52,"endTime":1485.76,"body":"market"},{"speaker":"SPEAKER_02","startTime":1485.76,"endTime":1486.16,"body":"conditions"},{"speaker":"SPEAKER_02","startTime":1486.16,"endTime":1486.56,"body":"constitute"},{"speaker":"SPEAKER_02","startTime":1486.56,"endTime":1486.64,"body":"our"},{"speaker":"SPEAKER_02","startTime":1486.64,"endTime":1486.96,"body":"judgment"},{"speaker":"SPEAKER_02","startTime":1487.04,"endTime":1487.12,"body":"and"},{"speaker":"SPEAKER_02","startTime":1487.12,"endTime":1487.28,"body":"our"},{"speaker":"SPEAKER_02","startTime":1487.28,"endTime":1487.6,"body":"subjects"},{"speaker":"SPEAKER_02","startTime":1487.68,"endTime":1487.84,"body":"change"},{"speaker":"SPEAKER_02","startTime":1487.92,"endTime":1488.16,"body":"without"},{"speaker":"SPEAKER_02","startTime":1488.16,"endTime":1488.4,"body":"notice,"},{"speaker":"SPEAKER_02","startTime":1488.48,"endTime":1488.8,"body":"including"},{"speaker":"SPEAKER_02","startTime":1488.8,"endTime":1488.96,"body":"any"},{"speaker":"SPEAKER_02","startTime":1488.96,"endTime":1489.52,"body":"forward-looking"},{"speaker":"SPEAKER_02","startTime":1489.52,"endTime":1489.92,"body":"estimates"},{"speaker":"SPEAKER_02","startTime":1489.92,"endTime":1490.0,"body":"or"},{"speaker":"SPEAKER_02","startTime":1490.0,"endTime":1490.24,"body":"statements"},{"speaker":"SPEAKER_02","startTime":1490.32,"endTime":1490.48,"body":"which"},{"speaker":"SPEAKER_02","startTime":1490.48,"endTime":1490.56,"body":"are"},{"speaker":"SPEAKER_02","startTime":1490.56,"endTime":1490.8,"body":"based"},{"speaker":"SPEAKER_02","startTime":1490.8,"endTime":1490.96,"body":"on"},{"speaker":"SPEAKER_02","startTime":1490.96,"endTime":1491.28,"body":"certain"},{"speaker":"SPEAKER_02","startTime":1491.28,"endTime":1491.84,"body":"expectations"},{"speaker":"SPEAKER_02","startTime":1491.84,"endTime":1491.92,"body":"and"},{"speaker":"SPEAKER_02","startTime":1491.92,"endTime":1492.32,"body":"assumptions."},{"speaker":"SPEAKER_02","startTime":1492.48,"endTime":1492.88,"body":"Although"},{"speaker":"SPEAKER_02","startTime":1492.88,"endTime":1493.2,"body":"information"},{"speaker":"SPEAKER_02","startTime":1493.2,"endTime":1493.36,"body":"and"},{"speaker":"SPEAKER_02","startTime":1493.36,"endTime":1493.76,"body":"opinions"},{"speaker":"SPEAKER_02","startTime":1493.76,"endTime":1494.08,"body":"given"},{"speaker":"SPEAKER_02","startTime":1494.08,"endTime":1494.24,"body":"have"},{"speaker":"SPEAKER_02","startTime":1494.24,"endTime":1494.32,"body":"been"},{"speaker":"SPEAKER_02","startTime":1494.32,"endTime":1494.64,"body":"obtained"},{"speaker":"SPEAKER_02","startTime":1494.64,"endTime":1494.8,"body":"from"},{"speaker":"SPEAKER_02","startTime":1494.88,"endTime":1495.04,"body":"or"},{"speaker":"SPEAKER_02","startTime":1495.04,"endTime":1495.28,"body":"based"},{"speaker":"SPEAKER_02","startTime":1495.28,"endTime":1495.44,"body":"on"},{"speaker":"SPEAKER_02","startTime":1495.44,"endTime":1495.92,"body":"sources"},{"speaker":"SPEAKER_02","startTime":1495.92,"endTime":1496.24,"body":"believed"},{"speaker":"SPEAKER_02","startTime":1496.24,"endTime":1496.32,"body":"to"},{"speaker":"SPEAKER_02","startTime":1496.32,"endTime":1496.48,"body":"be"},{"speaker":"SPEAKER_02","startTime":1496.48,"endTime":1496.96,"body":"reliable,"},{"speaker":"SPEAKER_02","startTime":1497.12,"endTime":1497.28,"body":"no"},{"speaker":"SPEAKER_02","startTime":1497.28,"endTime":1497.84,"body":"warranty"},{"speaker":"SPEAKER_02","startTime":1497.84,"endTime":1498.0,"body":"or"},{"speaker":"SPEAKER_02","startTime":1498.0,"endTime":1498.48,"body":"representation"},{"speaker":"SPEAKER_02","startTime":1498.48,"endTime":1498.64,"body":"is"},{"speaker":"SPEAKER_02","startTime":1498.64,"endTime":1498.88,"body":"made"},{"speaker":"SPEAKER_02","startTime":1498.88,"endTime":1499.04,"body":"as"},{"speaker":"SPEAKER_02","startTime":1499.04,"endTime":1499.2,"body":"to"},{"speaker":"SPEAKER_02","startTime":1499.2,"endTime":1499.36,"body":"their"},{"speaker":"SPEAKER_02","startTime":1499.36,"endTime":1499.84,"body":"correctness,"},{"speaker":"SPEAKER_02","startTime":1500.0,"endTime":1500.4,"body":"completeness,"},{"speaker":"SPEAKER_02","startTime":1500.48,"endTime":1500.64,"body":"or"},{"speaker":"SPEAKER_02","startTime":1500.64,"endTime":1501.28,"body":"accuracy."},{"speaker":"SPEAKER_02","startTime":1501.6,"endTime":1502.08,"body":"Information"},{"speaker":"SPEAKER_02","startTime":1502.08,"endTime":1502.48,"body":"presented"},{"speaker":"SPEAKER_02","startTime":1502.48,"endTime":1502.64,"body":"on"},{"speaker":"SPEAKER_02","startTime":1502.64,"endTime":1502.72,"body":"the"},{"speaker":"SPEAKER_02","startTime":1502.72,"endTime":1503.12,"body":"podcast"},{"speaker":"SPEAKER_02","startTime":1503.12,"endTime":1503.28,"body":"is"},{"speaker":"SPEAKER_02","startTime":1503.28,"endTime":1503.44,"body":"not"},{"speaker":"SPEAKER_02","startTime":1503.44,"endTime":1503.92,"body":"personalized"},{"speaker":"SPEAKER_02","startTime":1503.92,"endTime":1504.24,"body":"investment"},{"speaker":"SPEAKER_02","startTime":1504.24,"endTime":1504.32,"body":"advice"},{"speaker":"SPEAKER_02","startTime":1504.4,"endTime":1504.56,"body":"from"},{"speaker":"SPEAKER_02","startTime":1504.56,"endTime":1504.88,"body":"Apello"},{"speaker":"SPEAKER_02","startTime":1505.04,"endTime":1505.36,"body":"Wealth."},{"speaker":"SPEAKER_02","startTime":1505.44,"endTime":1505.52,"body":"The"},{"speaker":"SPEAKER_02","startTime":1505.52,"endTime":1505.76,"body":"views"},{"speaker":"SPEAKER_02","startTime":1505.76,"endTime":1505.84,"body":"and"},{"speaker":"SPEAKER_02","startTime":1505.84,"endTime":1506.32,"body":"strategies"},{"speaker":"SPEAKER_02","startTime":1506.32,"endTime":1506.8,"body":"described"},{"speaker":"SPEAKER_02","startTime":1506.8,"endTime":1506.96,"body":"may"},{"speaker":"SPEAKER_02","startTime":1506.96,"endTime":1507.12,"body":"not"},{"speaker":"SPEAKER_02","startTime":1507.12,"endTime":1507.28,"body":"be"},{"speaker":"SPEAKER_02","startTime":1507.28,"endTime":1507.68,"body":"suitable"},{"speaker":"SPEAKER_02","startTime":1507.68,"endTime":1507.76,"body":"for"},{"speaker":"SPEAKER_02","startTime":1507.76,"endTime":1508.16,"body":"everyone."},{"speaker":"SPEAKER_02","startTime":1508.48,"endTime":1508.64,"body":"This"},{"speaker":"SPEAKER_02","startTime":1508.64,"endTime":1509.04,"body":"podcast"},{"speaker":"SPEAKER_02","startTime":1509.04,"endTime":1509.2,"body":"does"},{"speaker":"SPEAKER_02","startTime":1509.2,"endTime":1509.36,"body":"not"},{"speaker":"SPEAKER_02","startTime":1509.36,"endTime":1509.76,"body":"identify"},{"speaker":"SPEAKER_02","startTime":1509.76,"endTime":1509.92,"body":"all"},{"speaker":"SPEAKER_02","startTime":1509.92,"endTime":1510.0,"body":"the"},{"speaker":"SPEAKER_02","startTime":1510.0,"endTime":1510.32,"body":"risks,"},{"speaker":"SPEAKER_02","startTime":1510.4,"endTime":1510.64,"body":"direct"},{"speaker":"SPEAKER_02","startTime":1510.64,"endTime":1510.8,"body":"or"},{"speaker":"SPEAKER_02","startTime":1510.8,"endTime":1511.2,"body":"indirect"},{"speaker":"SPEAKER_02","startTime":1511.28,"endTime":1511.44,"body":"or"},{"speaker":"SPEAKER_02","startTime":1511.44,"endTime":1511.68,"body":"other"},{"speaker":"SPEAKER_02","startTime":1511.68,"endTime":1512.16,"body":"considerations"},{"speaker":"SPEAKER_02","startTime":1512.24,"endTime":1512.4,"body":"which"},{"speaker":"SPEAKER_02","startTime":1512.4,"endTime":1512.56,"body":"might"},{"speaker":"SPEAKER_02","startTime":1512.56,"endTime":1512.72,"body":"be"},{"speaker":"SPEAKER_02","startTime":1512.72,"endTime":1513.04,"body":"material"},{"speaker":"SPEAKER_02","startTime":1513.04,"endTime":1513.2,"body":"to"},{"speaker":"SPEAKER_02","startTime":1513.2,"endTime":1513.36,"body":"you"},{"speaker":"SPEAKER_02","startTime":1513.36,"endTime":1513.52,"body":"when"},{"speaker":"SPEAKER_02","startTime":1513.52,"endTime":1513.84,"body":"entering"},{"speaker":"SPEAKER_02","startTime":1513.92,"endTime":1514.16,"body":"any"},{"speaker":"SPEAKER_02","startTime":1514.16,"endTime":1514.56,"body":"financial"},{"speaker":"SPEAKER_02","startTime":1514.56,"endTime":1515.04,"body":"transaction."},{"speaker":"SPEAKER_02","startTime":1515.36,"endTime":1515.6,"body":"Past"},{"speaker":"SPEAKER_02","startTime":1515.76,"endTime":1516.16,"body":"performance"},{"speaker":"SPEAKER_02","startTime":1516.16,"endTime":1516.32,"body":"does"},{"speaker":"SPEAKER_02","startTime":1516.32,"endTime":1516.4,"body":"not"},{"speaker":"SPEAKER_02","startTime":1516.4,"endTime":1516.8,"body":"guarantee"},{"speaker":"SPEAKER_02","startTime":1516.8,"endTime":1517.12,"body":"feature"},{"speaker":"SPEAKER_02","startTime":1517.12,"endTime":1517.44,"body":"results,"},{"speaker":"SPEAKER_02","startTime":1517.52,"endTime":1517.68,"body":"and"},{"speaker":"SPEAKER_02","startTime":1517.68,"endTime":1518.16,"body":"profitable"},{"speaker":"SPEAKER_02","startTime":1518.16,"endTime":1518.48,"body":"results"},{"speaker":"SPEAKER_02","startTime":1518.48,"endTime":1518.8,"body":"cannot"},{"speaker":"SPEAKER_02","startTime":1518.8,"endTime":1518.88,"body":"be"},{"speaker":"SPEAKER_02","startTime":1518.88,"endTime":1519.36,"body":"guaranteed."},{"speaker":"SPEAKER_02","startTime":1519.52,"endTime":1519.6,"body":"We"},{"speaker":"SPEAKER_02","startTime":1519.6,"endTime":1519.76,"body":"hope"},{"speaker":"SPEAKER_02","startTime":1519.76,"endTime":1519.92,"body":"you"},{"speaker":"SPEAKER_02","startTime":1519.92,"endTime":1520.24,"body":"realize"},{"speaker":"SPEAKER_02","startTime":1520.24,"endTime":1520.4,"body":"that"},{"speaker":"SPEAKER_02","startTime":1520.4,"endTime":1520.48,"body":"the"},{"speaker":"SPEAKER_02","startTime":1520.48,"endTime":1520.72,"body":"information"},{"speaker":"SPEAKER_02","startTime":1520.72,"endTime":1521.04,"body":"provided"},{"speaker":"SPEAKER_02","startTime":1521.04,"endTime":1521.2,"body":"on"},{"speaker":"SPEAKER_02","startTime":1521.2,"endTime":1521.52,"body":"Talking"},{"speaker":"SPEAKER_02","startTime":1521.6,"endTime":1521.84,"body":"Real"},{"speaker":"SPEAKER_02","startTime":1521.92,"endTime":1522.16,"body":"Money"},{"speaker":"SPEAKER_02","startTime":1522.16,"endTime":1522.24,"body":"is"},{"speaker":"SPEAKER_02","startTime":1522.24,"endTime":1522.4,"body":"for"},{"speaker":"SPEAKER_02","startTime":1522.4,"endTime":1522.8,"body":"informational,"},{"speaker":"SPEAKER_02","startTime":1522.88,"endTime":1523.28,"body":"educational,"},{"speaker":"SPEAKER_02","startTime":1523.36,"endTime":1523.52,"body":"and"},{"speaker":"SPEAKER_02","startTime":1523.52,"endTime":1523.92,"body":"hopefully"},{"speaker":"SPEAKER_02","startTime":1523.92,"endTime":1524.4,"body":"enjoyable"},{"speaker":"SPEAKER_02","startTime":1524.4,"endTime":1524.88,"body":"purposes"},{"speaker":"SPEAKER_02","startTime":1524.88,"endTime":1525.2,"body":"only."},{"speaker":"SPEAKER_02","startTime":1525.52,"endTime":1525.68,"body":"The"},{"speaker":"SPEAKER_02","startTime":1525.68,"endTime":1526.08,"body":"podcast"},{"speaker":"SPEAKER_02","startTime":1526.08,"endTime":1526.24,"body":"is"},{"speaker":"SPEAKER_02","startTime":1526.24,"endTime":1526.32,"body":"not"},{"speaker":"SPEAKER_02","startTime":1526.32,"endTime":1526.56,"body":"trying"},{"speaker":"SPEAKER_02","startTime":1526.56,"endTime":1526.64,"body":"to"},{"speaker":"SPEAKER_02","startTime":1526.64,"endTime":1526.72,"body":"get"},{"speaker":"SPEAKER_02","startTime":1526.72,"endTime":1526.88,"body":"you"},{"speaker":"SPEAKER_02","startTime":1526.88,"endTime":1526.96,"body":"to"},{"speaker":"SPEAKER_02","startTime":1526.96,"endTime":1527.12,"body":"buy"},{"speaker":"SPEAKER_02","startTime":1527.12,"endTime":1527.28,"body":"or"},{"speaker":"SPEAKER_02","startTime":1527.28,"endTime":1527.52,"body":"sell"},{"speaker":"SPEAKER_02","startTime":1527.52,"endTime":1527.76,"body":"any"},{"speaker":"SPEAKER_02","startTime":1527.76,"endTime":1528.08,"body":"financial"},{"speaker":"SPEAKER_02","startTime":1528.08,"endTime":1528.48,"body":"products"},{"speaker":"SPEAKER_02","startTime":1528.48,"endTime":1528.64,"body":"or"},{"speaker":"SPEAKER_02","startTime":1528.64,"endTime":1529.12,"body":"security."},{"speaker":"SPEAKER_02","startTime":1529.28,"endTime":1529.6,"body":"Instead,"},{"speaker":"SPEAKER_02","startTime":1529.68,"endTime":1529.84,"body":"the"},{"speaker":"SPEAKER_02","startTime":1529.84,"endTime":1530.08,"body":"program"},{"speaker":"SPEAKER_02","startTime":1530.08,"endTime":1530.24,"body":"is"},{"speaker":"SPEAKER_02","startTime":1530.24,"endTime":1530.56,"body":"provided"},{"speaker":"SPEAKER_02","startTime":1530.56,"endTime":1530.72,"body":"as"},{"speaker":"SPEAKER_02","startTime":1530.72,"endTime":1530.8,"body":"a"},{"speaker":"SPEAKER_02","startTime":1530.8,"endTime":1531.04,"body":"public"},{"speaker":"SPEAKER_02","startTime":1531.04,"endTime":1531.2,"body":"service"},{"speaker":"SPEAKER_02","startTime":1531.2,"endTime":1531.36,"body":"by"},{"speaker":"SPEAKER_02","startTime":1531.36,"endTime":1531.76,"body":"Appello"},{"speaker":"SPEAKER_02","startTime":1531.84,"endTime":1532.08,"body":"Wealth,"},{"speaker":"SPEAKER_02","startTime":1532.16,"endTime":1532.24,"body":"a"},{"speaker":"SPEAKER_02","startTime":1532.24,"endTime":1532.72,"body":"fee-only"},{"speaker":"SPEAKER_02","startTime":1532.72,"endTime":1533.12,"body":"registered"},{"speaker":"SPEAKER_02","startTime":1533.12,"endTime":1533.52,"body":"investment"},{"speaker":"SPEAKER_02","startTime":1533.52,"endTime":1534.0,"body":"advisor."},{"speaker":"SPEAKER_02","startTime":1534.32,"endTime":1534.48,"body":"Please"},{"speaker":"SPEAKER_02","startTime":1534.56,"endTime":1534.8,"body":"see"},{"speaker":"SPEAKER_02","startTime":1534.8,"endTime":1535.2,"body":"Appello"},{"speaker":"SPEAKER_02","startTime":1535.2,"endTime":1535.6,"body":"Wealth's"},{"speaker":"SPEAKER_02","startTime":1535.6,"endTime":1536.0,"body":"ADB"},{"speaker":"SPEAKER_02","startTime":1536.0,"endTime":1536.08,"body":"Part"},{"speaker":"SPEAKER_02","startTime":1536.16,"endTime":1536.64,"body":"2A"},{"speaker":"SPEAKER_02","startTime":1536.64,"endTime":1536.72,"body":"on"},{"speaker":"SPEAKER_02","startTime":1536.72,"endTime":1536.88,"body":"our"},{"speaker":"SPEAKER_02","startTime":1536.88,"endTime":1537.12,"body":"website"},{"speaker":"SPEAKER_02","startTime":1537.2,"endTime":1537.36,"body":"for"},{"speaker":"SPEAKER_02","startTime":1537.36,"endTime":1537.68,"body":"information"},{"speaker":"SPEAKER_02","startTime":1537.68,"endTime":1538.0,"body":"regarding"},{"speaker":"SPEAKER_02","startTime":1538.0,"endTime":1538.64,"body":"Appello's"},{"speaker":"SPEAKER_02","startTime":1538.64,"endTime":1538.8,"body":"fees"},{"speaker":"SPEAKER_02","startTime":1538.88,"endTime":1538.96,"body":"and"},{"speaker":"SPEAKER_02","startTime":1538.96,"endTime":1539.28,"body":"services."},{"speaker":"SPEAKER_02","startTime":1539.52,"endTime":1539.92,"body":"Apello"},{"speaker":"SPEAKER_02","startTime":1540.08,"endTime":1540.4,"body":"Capital,"},{"speaker":"SPEAKER_02","startTime":1540.48,"endTime":1540.88,"body":"LLC,"},{"speaker":"SPEAKER_02","startTime":1540.96,"endTime":1541.36,"body":"DBA"},{"speaker":"SPEAKER_02","startTime":1541.44,"endTime":1541.76,"body":"Appello"},{"speaker":"SPEAKER_02","startTime":1541.84,"endTime":1542.08,"body":"Wealth,"},{"speaker":"SPEAKER_02","startTime":1542.24,"endTime":1542.32,"body":"is"},{"speaker":"SPEAKER_02","startTime":1542.32,"endTime":1542.4,"body":"an"},{"speaker":"SPEAKER_02","startTime":1542.4,"endTime":1542.8,"body":"investment"},{"speaker":"SPEAKER_02","startTime":1542.8,"endTime":1543.28,"body":"advisory"},{"speaker":"SPEAKER_02","startTime":1543.28,"endTime":1543.52,"body":"firm"},{"speaker":"SPEAKER_02","startTime":1543.52,"endTime":1543.92,"body":"registered"},{"speaker":"SPEAKER_02","startTime":1543.92,"endTime":1544.08,"body":"with"},{"speaker":"SPEAKER_02","startTime":1544.08,"endTime":1544.16,"body":"the"},{"speaker":"SPEAKER_02","startTime":1544.16,"endTime":1544.64,"body":"Securities"},{"speaker":"SPEAKER_02","startTime":1544.64,"endTime":1544.8,"body":"and"},{"speaker":"SPEAKER_02","startTime":1544.8,"endTime":1545.2,"body":"Exchange"},{"speaker":"SPEAKER_02","startTime":1545.2,"endTime":1545.52,"body":"Commission."},{"speaker":"SPEAKER_02","startTime":1545.68,"endTime":1545.84,"body":"The"},{"speaker":"SPEAKER_02","startTime":1545.84,"endTime":1546.08,"body":"firm"},{"speaker":"SPEAKER_02","startTime":1546.08,"endTime":1546.24,"body":"only"},{"speaker":"SPEAKER_02","startTime":1546.24,"endTime":1546.72,"body":"transacts"},{"speaker":"SPEAKER_02","startTime":1546.72,"endTime":1547.04,"body":"business"},{"speaker":"SPEAKER_02","startTime":1547.04,"endTime":1547.12,"body":"in"},{"speaker":"SPEAKER_02","startTime":1547.12,"endTime":1547.2,"body":"the"},{"speaker":"SPEAKER_02","startTime":1547.2,"endTime":1547.52,"body":"states"},{"speaker":"SPEAKER_02","startTime":1547.52,"endTime":1547.68,"body":"where"},{"speaker":"SPEAKER_02","startTime":1547.68,"endTime":1547.76,"body":"it"},{"speaker":"SPEAKER_02","startTime":1547.76,"endTime":1547.92,"body":"is"},{"speaker":"SPEAKER_02","startTime":1547.92,"endTime":1548.32,"body":"properly"},{"speaker":"SPEAKER_02","startTime":1548.32,"endTime":1548.72,"body":"registered"},{"speaker":"SPEAKER_02","startTime":1548.8,"endTime":1548.96,"body":"or"},{"speaker":"SPEAKER_02","startTime":1548.96,"endTime":1549.44,"body":"excluded"},{"speaker":"SPEAKER_02","startTime":1549.44,"endTime":1549.6,"body":"or"},{"speaker":"SPEAKER_02","startTime":1549.6,"endTime":1549.92,"body":"exempt"},{"speaker":"SPEAKER_02","startTime":1549.92,"endTime":1550.08,"body":"from"},{"speaker":"SPEAKER_02","startTime":1550.08,"endTime":1550.64,"body":"registration"},{"speaker":"SPEAKER_02","startTime":1550.64,"endTime":1551.12,"body":"requirements."},{"speaker":"SPEAKER_02","startTime":1551.36,"endTime":1551.92,"body":"Registration"},{"speaker":"SPEAKER_02","startTime":1551.92,"endTime":1552.0,"body":"with"},{"speaker":"SPEAKER_02","startTime":1552.0,"endTime":1552.16,"body":"the"},{"speaker":"SPEAKER_02","startTime":1552.16,"endTime":1552.72,"body":"SEC"},{"speaker":"SPEAKER_02","startTime":1552.72,"endTime":1552.8,"body":"or"},{"speaker":"SPEAKER_02","startTime":1552.8,"endTime":1552.96,"body":"any"},{"speaker":"SPEAKER_02","startTime":1552.96,"endTime":1553.2,"body":"state"},{"speaker":"SPEAKER_02","startTime":1553.2,"endTime":1553.52,"body":"securities"},{"speaker":"SPEAKER_02","startTime":1553.6,"endTime":1553.92,"body":"authority"},{"speaker":"SPEAKER_02","startTime":1553.92,"endTime":1554.08,"body":"does"},{"speaker":"SPEAKER_02","startTime":1554.08,"endTime":1554.24,"body":"not"},{"speaker":"SPEAKER_02","startTime":1554.24,"endTime":1554.48,"body":"imply"},{"speaker":"SPEAKER_02","startTime":1554.48,"endTime":1554.56,"body":"a"},{"speaker":"SPEAKER_02","startTime":1554.56,"endTime":1554.72,"body":"certain"},{"speaker":"SPEAKER_02","startTime":1554.72,"endTime":1554.88,"body":"level"},{"speaker":"SPEAKER_02","startTime":1554.88,"endTime":1554.96,"body":"of"},{"speaker":"SPEAKER_02","startTime":1554.96,"endTime":1555.12,"body":"skill"},{"speaker":"SPEAKER_02","startTime":1555.28,"endTime":1555.36,"body":"or"},{"speaker":"SPEAKER_02","startTime":1555.36,"endTime":1555.6,"body":"training."},{"speaker":"SPEAKER_02","startTime":1555.76,"endTime":1556.16,"body":"Apello"},{"speaker":"SPEAKER_02","startTime":1556.32,"endTime":1556.4,"body":"does"},{"speaker":"SPEAKER_02","startTime":1556.4,"endTime":1556.48,"body":"not"},{"speaker":"SPEAKER_02","startTime":1556.48,"endTime":1556.72,"body":"provide"},{"speaker":"SPEAKER_02","startTime":1556.72,"endTime":1557.04,"body":"tax"},{"speaker":"SPEAKER_02","startTime":1557.04,"endTime":1557.2,"body":"or"},{"speaker":"SPEAKER_02","startTime":1557.2,"endTime":1557.36,"body":"legal"},{"speaker":"SPEAKER_02","startTime":1557.36,"endTime":1557.6,"body":"advice,"},{"speaker":"SPEAKER_02","startTime":1557.68,"endTime":1557.84,"body":"and"},{"speaker":"SPEAKER_02","startTime":1557.84,"endTime":1558.08,"body":"nothing"},{"speaker":"SPEAKER_02","startTime":1558.08,"endTime":1558.32,"body":"either"},{"speaker":"SPEAKER_02","startTime":1558.32,"endTime":1558.64,"body":"stated"},{"speaker":"SPEAKER_02","startTime":1558.64,"endTime":1558.72,"body":"or"},{"speaker":"SPEAKER_02","startTime":1558.72,"endTime":1559.12,"body":"implied"},{"speaker":"SPEAKER_02","startTime":1559.12,"endTime":1559.28,"body":"here"},{"speaker":"SPEAKER_02","startTime":1559.28,"endTime":1559.44,"body":"should"},{"speaker":"SPEAKER_02","startTime":1559.44,"endTime":1559.52,"body":"be"},{"speaker":"SPEAKER_02","startTime":1559.52,"endTime":1559.92,"body":"inferred"},{"speaker":"SPEAKER_02","startTime":1559.92,"endTime":1560.16,"body":"as"},{"speaker":"SPEAKER_02","startTime":1560.16,"endTime":1560.56,"body":"providing"},{"speaker":"SPEAKER_02","startTime":1560.56,"endTime":1560.8,"body":"such"},{"speaker":"SPEAKER_02","startTime":1560.8,"endTime":1561.36,"body":"advice."},{"speaker":"SPEAKER_02","startTime":1561.68,"endTime":1562.0,"body":"Thanks"},{"speaker":"SPEAKER_02","startTime":1562.0,"endTime":1562.16,"body":"for"},{"speaker":"SPEAKER_02","startTime":1562.16,"endTime":1562.48,"body":"listening,"},{"speaker":"SPEAKER_02","startTime":1562.56,"endTime":1562.72,"body":"and"},{"speaker":"SPEAKER_02","startTime":1562.72,"endTime":1562.96,"body":"please"},{"speaker":"SPEAKER_02","startTime":1562.96,"endTime":1563.2,"body":"visit"},{"speaker":"SPEAKER_02","startTime":1563.2,"endTime":1564.56,"body":"talkingrealmoney.com"},{"speaker":"SPEAKER_02","startTime":1564.56,"endTime":1564.72,"body":"for"},{"speaker":"SPEAKER_02","startTime":1564.72,"endTime":1564.8,"body":"more"},{"speaker":"SPEAKER_02","startTime":1564.8,"endTime":1565.2,"body":"information"},{"speaker":"SPEAKER_02","startTime":1565.2,"endTime":1565.36,"body":"and"},{"speaker":"SPEAKER_02","startTime":1565.36,"endTime":1565.6,"body":"important"},{"speaker":"SPEAKER_02","startTime":1565.6,"endTime":1566.24,"body":"disclosure"},{"speaker":"SPEAKER_02","startTime":1566.24,"endTime":1566.48,"body":"related"},{"speaker":"SPEAKER_02","startTime":1566.48,"endTime":1566.64,"body":"to"},{"speaker":"SPEAKER_02","startTime":1566.72,"endTime":1567.12,"body":"performance"},{"speaker":"SPEAKER_02","startTime":1567.12,"endTime":1567.28,"body":"of"},{"speaker":"SPEAKER_02","startTime":1567.28,"endTime":1567.44,"body":"any"},{"speaker":"SPEAKER_02","startTime":1567.44,"endTime":1567.84,"body":"specific"},{"speaker":"SPEAKER_02","startTime":1567.84,"endTime":1568.16,"body":"index"},{"speaker":"SPEAKER_02","startTime":1568.16,"endTime":1568.32,"body":"or"},{"speaker":"SPEAKER_02","startTime":1568.32,"endTime":1568.56,"body":"fund"},{"speaker":"SPEAKER_02","startTime":1568.56,"endTime":1569.04,"body":"quoted"},{"speaker":"SPEAKER_02","startTime":1569.04,"endTime":1569.12,"body":"in"},{"speaker":"SPEAKER_02","startTime":1569.12,"endTime":1569.28,"body":"this"},{"speaker":"SPEAKER_02","startTime":1569.28,"endTime":1569.84,"body":"podcast."},{"speaker":"SPEAKER_02","startTime":1570.16,"endTime":1570.4,"body":"And"},{"speaker":"SPEAKER_02","startTime":1570.4,"endTime":1570.64,"body":"the"},{"speaker":"SPEAKER_02","startTime":1570.64,"endTime":1571.2,"body":"lawyers"},{"speaker":"SPEAKER_02","startTime":1571.2,"endTime":1571.52,"body":"get"},{"speaker":"SPEAKER_02","startTime":1571.52,"endTime":1572.16,"body":"richer."}]}