{"version":"1.0.0","segments":[{"speaker":"SPEAKER_00","startTime":5.68,"endTime":6.08,"body":"We're"},{"speaker":"SPEAKER_00","startTime":6.08,"endTime":6.32,"body":"gonna"},{"speaker":"SPEAKER_00","startTime":6.48,"endTime":6.72,"body":"do"},{"speaker":"SPEAKER_00","startTime":6.72,"endTime":6.88,"body":"a"},{"speaker":"SPEAKER_00","startTime":6.88,"endTime":7.12,"body":"really"},{"speaker":"SPEAKER_00","startTime":7.12,"endTime":7.44,"body":"great"},{"speaker":"SPEAKER_00","startTime":7.44,"endTime":7.92,"body":"financial"},{"speaker":"SPEAKER_00","startTime":8.08,"endTime":8.56,"body":"feature."},{"speaker":"SPEAKER_00","startTime":8.8,"endTime":9.04,"body":"Tom"},{"speaker":"SPEAKER_00","startTime":9.28,"endTime":9.44,"body":"and"},{"speaker":"SPEAKER_00","startTime":9.44,"endTime":9.6,"body":"Don"},{"speaker":"SPEAKER_00","startTime":9.76,"endTime":10.0,"body":"are"},{"speaker":"SPEAKER_00","startTime":10.0,"endTime":10.48,"body":"talking"},{"speaker":"SPEAKER_00","startTime":10.48,"endTime":10.64,"body":"real"},{"speaker":"SPEAKER_00","startTime":10.88,"endTime":11.36,"body":"money."},{"speaker":"SPEAKER_01","startTime":11.6,"endTime":11.76,"body":"You"},{"speaker":"SPEAKER_01","startTime":11.76,"endTime":11.84,"body":"know,"},{"speaker":"SPEAKER_01","startTime":11.92,"endTime":12.16,"body":"I"},{"speaker":"SPEAKER_01","startTime":12.16,"endTime":12.32,"body":"could"},{"speaker":"SPEAKER_01","startTime":12.32,"endTime":12.8,"body":"record"},{"speaker":"SPEAKER_01","startTime":12.8,"endTime":13.04,"body":"this"},{"speaker":"SPEAKER_01","startTime":13.04,"endTime":13.6,"body":"episode"},{"speaker":"SPEAKER_01","startTime":13.6,"endTime":14.0,"body":"pretty"},{"speaker":"SPEAKER_01","startTime":14.0,"endTime":14.16,"body":"much"},{"speaker":"SPEAKER_01","startTime":14.16,"endTime":14.64,"body":"anytime"},{"speaker":"SPEAKER_01","startTime":14.64,"endTime":14.88,"body":"I"},{"speaker":"SPEAKER_01","startTime":14.88,"endTime":15.36,"body":"wanted,"},{"speaker":"SPEAKER_01","startTime":15.6,"endTime":15.84,"body":"but"},{"speaker":"SPEAKER_01","startTime":15.84,"endTime":16.16,"body":"I"},{"speaker":"SPEAKER_01","startTime":16.16,"endTime":16.8,"body":"record"},{"speaker":"SPEAKER_01","startTime":17.04,"endTime":17.28,"body":"this"},{"speaker":"SPEAKER_01","startTime":17.28,"endTime":18.24,"body":"episode"},{"speaker":"SPEAKER_01","startTime":18.56,"endTime":18.8,"body":"on"},{"speaker":"SPEAKER_01","startTime":18.8,"endTime":19.04,"body":"a"},{"speaker":"SPEAKER_01","startTime":19.04,"endTime":20.08,"body":"Friday"},{"speaker":"SPEAKER_01","startTime":20.4,"endTime":20.72,"body":"for"},{"speaker":"SPEAKER_01","startTime":20.72,"endTime":21.04,"body":"the"},{"speaker":"SPEAKER_01","startTime":21.04,"endTime":22.16,"body":"authenticity,"},{"speaker":"SPEAKER_01","startTime":22.4,"endTime":22.56,"body":"for"},{"speaker":"SPEAKER_01","startTime":22.56,"endTime":22.88,"body":"the"},{"speaker":"SPEAKER_01","startTime":22.88,"endTime":23.2,"body":"real"},{"speaker":"SPEAKER_01","startTime":23.2,"endTime":23.84,"body":"Friday"},{"speaker":"SPEAKER_01","startTime":23.84,"endTime":24.24,"body":"feel,"},{"speaker":"SPEAKER_01","startTime":24.32,"endTime":24.48,"body":"so"},{"speaker":"SPEAKER_01","startTime":24.48,"endTime":24.72,"body":"that"},{"speaker":"SPEAKER_01","startTime":24.72,"endTime":25.04,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":25.04,"endTime":25.52,"body":"feeling"},{"speaker":"SPEAKER_01","startTime":25.52,"endTime":26.0,"body":"Friday"},{"speaker":"SPEAKER_01","startTime":26.08,"endTime":26.24,"body":"just"},{"speaker":"SPEAKER_01","startTime":26.24,"endTime":26.4,"body":"like"},{"speaker":"SPEAKER_01","startTime":26.4,"endTime":26.72,"body":"you're"},{"speaker":"SPEAKER_01","startTime":26.72,"endTime":27.2,"body":"feeling"},{"speaker":"SPEAKER_01","startTime":27.2,"endTime":27.6,"body":"Friday,"},{"speaker":"SPEAKER_01","startTime":27.68,"endTime":27.92,"body":"because"},{"speaker":"SPEAKER_01","startTime":27.92,"endTime":28.32,"body":"Friday"},{"speaker":"SPEAKER_01","startTime":28.32,"endTime":28.56,"body":"is"},{"speaker":"SPEAKER_01","startTime":28.56,"endTime":29.2,"body":"QA"},{"speaker":"SPEAKER_01","startTime":29.2,"endTime":29.44,"body":"day"},{"speaker":"SPEAKER_01","startTime":29.44,"endTime":29.6,"body":"here"},{"speaker":"SPEAKER_01","startTime":29.6,"endTime":29.84,"body":"on"},{"speaker":"SPEAKER_01","startTime":29.84,"endTime":30.32,"body":"Talking"},{"speaker":"SPEAKER_01","startTime":30.32,"endTime":30.56,"body":"Real"},{"speaker":"SPEAKER_01","startTime":30.56,"endTime":30.8,"body":"Money,"},{"speaker":"SPEAKER_01","startTime":30.88,"endTime":31.04,"body":"as"},{"speaker":"SPEAKER_01","startTime":31.04,"endTime":31.28,"body":"you're"},{"speaker":"SPEAKER_01","startTime":31.28,"endTime":31.6,"body":"probably"},{"speaker":"SPEAKER_01","startTime":31.6,"endTime":31.92,"body":"aware"},{"speaker":"SPEAKER_01","startTime":32.0,"endTime":32.16,"body":"if"},{"speaker":"SPEAKER_01","startTime":32.16,"endTime":32.4,"body":"you've"},{"speaker":"SPEAKER_01","startTime":32.4,"endTime":32.64,"body":"been"},{"speaker":"SPEAKER_01","startTime":32.64,"endTime":33.36,"body":"listening"},{"speaker":"SPEAKER_01","startTime":33.36,"endTime":33.52,"body":"for"},{"speaker":"SPEAKER_01","startTime":33.52,"endTime":33.76,"body":"more"},{"speaker":"SPEAKER_01","startTime":33.76,"endTime":33.92,"body":"than"},{"speaker":"SPEAKER_01","startTime":33.92,"endTime":34.08,"body":"a"},{"speaker":"SPEAKER_01","startTime":34.08,"endTime":34.48,"body":"week."},{"speaker":"SPEAKER_01","startTime":34.72,"endTime":35.28,"body":"It's"},{"speaker":"SPEAKER_01","startTime":35.28,"endTime":35.52,"body":"what"},{"speaker":"SPEAKER_01","startTime":35.52,"endTime":35.84,"body":"we"},{"speaker":"SPEAKER_01","startTime":35.84,"endTime":36.08,"body":"do."},{"speaker":"SPEAKER_01","startTime":36.4,"endTime":37.04,"body":"Why?"},{"speaker":"SPEAKER_01","startTime":38.08,"endTime":38.56,"body":"Just"},{"speaker":"SPEAKER_01","startTime":38.56,"endTime":38.8,"body":"what"},{"speaker":"SPEAKER_01","startTime":38.8,"endTime":39.12,"body":"we"},{"speaker":"SPEAKER_01","startTime":39.12,"endTime":39.28,"body":"do."},{"speaker":"SPEAKER_01","startTime":39.52,"endTime":39.68,"body":"I"},{"speaker":"SPEAKER_01","startTime":39.68,"endTime":39.92,"body":"don't"},{"speaker":"SPEAKER_01","startTime":39.92,"endTime":40.0,"body":"know."},{"speaker":"SPEAKER_01","startTime":40.16,"endTime":40.24,"body":"A"},{"speaker":"SPEAKER_01","startTime":40.24,"endTime":40.48,"body":"long"},{"speaker":"SPEAKER_01","startTime":40.48,"endTime":40.72,"body":"time"},{"speaker":"SPEAKER_01","startTime":40.72,"endTime":41.04,"body":"ago,"},{"speaker":"SPEAKER_01","startTime":41.12,"endTime":41.36,"body":"we"},{"speaker":"SPEAKER_01","startTime":41.36,"endTime":41.92,"body":"decided"},{"speaker":"SPEAKER_01","startTime":42.08,"endTime":42.56,"body":"we'll"},{"speaker":"SPEAKER_01","startTime":42.56,"endTime":42.72,"body":"do"},{"speaker":"SPEAKER_01","startTime":42.72,"endTime":42.88,"body":"some"},{"speaker":"SPEAKER_01","startTime":42.88,"endTime":43.2,"body":"questions"},{"speaker":"SPEAKER_01","startTime":43.2,"endTime":43.36,"body":"on"},{"speaker":"SPEAKER_01","startTime":43.36,"endTime":43.76,"body":"Friday,"},{"speaker":"SPEAKER_01","startTime":43.84,"endTime":44.0,"body":"and"},{"speaker":"SPEAKER_01","startTime":44.0,"endTime":44.16,"body":"it"},{"speaker":"SPEAKER_01","startTime":44.32,"endTime":44.96,"body":"stuck."},{"speaker":"SPEAKER_01","startTime":45.2,"endTime":45.52,"body":"And"},{"speaker":"SPEAKER_01","startTime":45.52,"endTime":46.08,"body":"it's"},{"speaker":"SPEAKER_01","startTime":46.08,"endTime":46.32,"body":"been"},{"speaker":"SPEAKER_01","startTime":46.32,"endTime":46.8,"body":"popular,"},{"speaker":"SPEAKER_01","startTime":46.96,"endTime":47.2,"body":"so"},{"speaker":"SPEAKER_01","startTime":47.2,"endTime":47.6,"body":"we're"},{"speaker":"SPEAKER_01","startTime":47.6,"endTime":47.84,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":47.84,"endTime":48.16,"body":"keep"},{"speaker":"SPEAKER_01","startTime":48.16,"endTime":48.56,"body":"doing"},{"speaker":"SPEAKER_01","startTime":48.56,"endTime":48.8,"body":"it,"},{"speaker":"SPEAKER_01","startTime":49.12,"endTime":49.44,"body":"but"},{"speaker":"SPEAKER_01","startTime":49.44,"endTime":49.76,"body":"only"},{"speaker":"SPEAKER_01","startTime":49.76,"endTime":50.08,"body":"as"},{"speaker":"SPEAKER_01","startTime":50.08,"endTime":50.4,"body":"long"},{"speaker":"SPEAKER_01","startTime":50.4,"endTime":50.72,"body":"as"},{"speaker":"SPEAKER_01","startTime":50.72,"endTime":51.04,"body":"you"},{"speaker":"SPEAKER_01","startTime":51.04,"endTime":51.6,"body":"keep"},{"speaker":"SPEAKER_01","startTime":51.6,"endTime":52.24,"body":"sending"},{"speaker":"SPEAKER_01","startTime":52.24,"endTime":52.48,"body":"in"},{"speaker":"SPEAKER_01","startTime":52.48,"endTime":52.96,"body":"questions"},{"speaker":"SPEAKER_01","startTime":53.04,"endTime":53.28,"body":"or"},{"speaker":"SPEAKER_01","startTime":53.28,"endTime":53.68,"body":"actually"},{"speaker":"SPEAKER_01","startTime":53.68,"endTime":54.24,"body":"speaking"},{"speaker":"SPEAKER_01","startTime":54.24,"endTime":54.48,"body":"in"},{"speaker":"SPEAKER_01","startTime":54.48,"endTime":54.8,"body":"questions"},{"speaker":"SPEAKER_01","startTime":54.88,"endTime":55.04,"body":"at"},{"speaker":"SPEAKER_01","startTime":55.04,"endTime":55.2,"body":"our"},{"speaker":"SPEAKER_01","startTime":55.2,"endTime":55.6,"body":"website,"},{"speaker":"SPEAKER_01","startTime":55.84,"endTime":57.2,"body":"talkingrealmoney.com,"},{"speaker":"SPEAKER_01","startTime":57.28,"endTime":57.36,"body":"on"},{"speaker":"SPEAKER_01","startTime":57.36,"endTime":57.44,"body":"the"},{"speaker":"SPEAKER_01","startTime":57.44,"endTime":57.84,"body":"contact"},{"speaker":"SPEAKER_01","startTime":57.84,"endTime":58.0,"body":"form"},{"speaker":"SPEAKER_01","startTime":58.08,"endTime":58.16,"body":"or"},{"speaker":"SPEAKER_01","startTime":58.16,"endTime":58.32,"body":"the"},{"speaker":"SPEAKER_01","startTime":58.32,"endTime":58.64,"body":"ask"},{"speaker":"SPEAKER_01","startTime":58.64,"endTime":58.8,"body":"a"},{"speaker":"SPEAKER_01","startTime":58.8,"endTime":58.96,"body":"question"},{"speaker":"SPEAKER_01","startTime":59.04,"endTime":59.28,"body":"form."},{"speaker":"SPEAKER_01","startTime":59.36,"endTime":59.52,"body":"You"},{"speaker":"SPEAKER_01","startTime":59.52,"endTime":59.84,"body":"just"},{"speaker":"SPEAKER_01","startTime":59.84,"endTime":60.16,"body":"talk."},{"speaker":"SPEAKER_01","startTime":60.32,"endTime":60.64,"body":"You"},{"speaker":"SPEAKER_01","startTime":60.64,"endTime":61.28,"body":"record"},{"speaker":"SPEAKER_01","startTime":61.28,"endTime":61.52,"body":"your"},{"speaker":"SPEAKER_01","startTime":61.52,"endTime":61.92,"body":"voice,"},{"speaker":"SPEAKER_01","startTime":62.0,"endTime":62.24,"body":"and"},{"speaker":"SPEAKER_01","startTime":62.24,"endTime":62.56,"body":"then"},{"speaker":"SPEAKER_01","startTime":62.56,"endTime":62.88,"body":"I"},{"speaker":"SPEAKER_01","startTime":62.88,"endTime":63.12,"body":"go"},{"speaker":"SPEAKER_01","startTime":63.12,"endTime":63.36,"body":"into"},{"speaker":"SPEAKER_01","startTime":63.52,"endTime":63.76,"body":"a"},{"speaker":"SPEAKER_01","startTime":63.76,"endTime":64.4,"body":"magical"},{"speaker":"SPEAKER_01","startTime":64.4,"endTime":64.72,"body":"program,"},{"speaker":"SPEAKER_01","startTime":65.44,"endTime":65.76,"body":"and"},{"speaker":"SPEAKER_01","startTime":65.76,"endTime":66.0,"body":"I"},{"speaker":"SPEAKER_01","startTime":66.0,"endTime":66.24,"body":"make"},{"speaker":"SPEAKER_01","startTime":66.24,"endTime":66.48,"body":"it"},{"speaker":"SPEAKER_01","startTime":66.48,"endTime":66.88,"body":"sound"},{"speaker":"SPEAKER_01","startTime":66.88,"endTime":67.2,"body":"even"},{"speaker":"SPEAKER_01","startTime":67.2,"endTime":67.84,"body":"better,"},{"speaker":"SPEAKER_01","startTime":68.16,"endTime":68.48,"body":"and"},{"speaker":"SPEAKER_01","startTime":68.48,"endTime":68.8,"body":"then"},{"speaker":"SPEAKER_01","startTime":68.8,"endTime":69.04,"body":"I"},{"speaker":"SPEAKER_01","startTime":69.04,"endTime":69.28,"body":"put"},{"speaker":"SPEAKER_01","startTime":69.28,"endTime":69.44,"body":"it"},{"speaker":"SPEAKER_01","startTime":69.44,"endTime":69.68,"body":"on"},{"speaker":"SPEAKER_01","startTime":69.68,"endTime":69.92,"body":"this"},{"speaker":"SPEAKER_01","startTime":69.92,"endTime":70.8,"body":"podcast,"},{"speaker":"SPEAKER_01","startTime":70.96,"endTime":71.28,"body":"and"},{"speaker":"SPEAKER_01","startTime":71.28,"endTime":71.6,"body":"it"},{"speaker":"SPEAKER_01","startTime":71.6,"endTime":72.0,"body":"plays"},{"speaker":"SPEAKER_01","startTime":72.0,"endTime":72.16,"body":"the"},{"speaker":"SPEAKER_01","startTime":72.16,"endTime":72.64,"body":"Friday"},{"speaker":"SPEAKER_01","startTime":72.64,"endTime":72.88,"body":"after"},{"speaker":"SPEAKER_01","startTime":72.88,"endTime":73.04,"body":"I"},{"speaker":"SPEAKER_01","startTime":73.04,"endTime":73.36,"body":"record"},{"speaker":"SPEAKER_01","startTime":73.36,"endTime":73.52,"body":"it,"},{"speaker":"SPEAKER_01","startTime":73.6,"endTime":73.92,"body":"usually."},{"speaker":"SPEAKER_01","startTime":74.08,"endTime":74.4,"body":"Unless"},{"speaker":"SPEAKER_01","startTime":74.4,"endTime":74.56,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":74.56,"endTime":74.8,"body":"doing"},{"speaker":"SPEAKER_01","startTime":74.8,"endTime":75.04,"body":"something"},{"speaker":"SPEAKER_01","startTime":75.04,"endTime":75.2,"body":"else,"},{"speaker":"SPEAKER_01","startTime":75.28,"endTime":75.36,"body":"you"},{"speaker":"SPEAKER_01","startTime":75.36,"endTime":75.44,"body":"know,"},{"speaker":"SPEAKER_01","startTime":75.52,"endTime":75.76,"body":"but"},{"speaker":"SPEAKER_01","startTime":75.76,"endTime":76.24,"body":"generally"},{"speaker":"SPEAKER_01","startTime":76.24,"endTime":76.8,"body":"speaking."},{"speaker":"SPEAKER_01","startTime":77.12,"endTime":77.44,"body":"Hi,"},{"speaker":"SPEAKER_01","startTime":77.68,"endTime":78.08,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":78.08,"endTime":78.4,"body":"Don."},{"speaker":"SPEAKER_01","startTime":78.56,"endTime":78.88,"body":"Welcome"},{"speaker":"SPEAKER_01","startTime":78.88,"endTime":79.04,"body":"to"},{"speaker":"SPEAKER_01","startTime":79.04,"endTime":79.12,"body":"the"},{"speaker":"SPEAKER_01","startTime":79.12,"endTime":79.44,"body":"program."},{"speaker":"SPEAKER_01","startTime":79.6,"endTime":79.84,"body":"Glad"},{"speaker":"SPEAKER_01","startTime":79.84,"endTime":80.08,"body":"you"},{"speaker":"SPEAKER_01","startTime":80.08,"endTime":80.32,"body":"could"},{"speaker":"SPEAKER_01","startTime":80.32,"endTime":80.88,"body":"listen."},{"speaker":"SPEAKER_01","startTime":81.04,"endTime":81.2,"body":"Uh,"},{"speaker":"SPEAKER_01","startTime":81.36,"endTime":81.6,"body":"I"},{"speaker":"SPEAKER_01","startTime":81.6,"endTime":82.0,"body":"hope"},{"speaker":"SPEAKER_01","startTime":82.0,"endTime":82.24,"body":"that"},{"speaker":"SPEAKER_01","startTime":82.24,"endTime":82.4,"body":"we"},{"speaker":"SPEAKER_01","startTime":82.4,"endTime":82.88,"body":"answer"},{"speaker":"SPEAKER_01","startTime":82.88,"endTime":83.04,"body":"some"},{"speaker":"SPEAKER_01","startTime":83.04,"endTime":83.28,"body":"things"},{"speaker":"SPEAKER_01","startTime":83.28,"endTime":83.52,"body":"that"},{"speaker":"SPEAKER_01","startTime":83.52,"endTime":83.76,"body":"will"},{"speaker":"SPEAKER_01","startTime":83.76,"endTime":84.32,"body":"help"},{"speaker":"SPEAKER_01","startTime":84.32,"endTime":84.56,"body":"you"},{"speaker":"SPEAKER_01","startTime":84.8,"endTime":85.04,"body":"or"},{"speaker":"SPEAKER_01","startTime":85.04,"endTime":85.28,"body":"at"},{"speaker":"SPEAKER_01","startTime":85.28,"endTime":85.76,"body":"least"},{"speaker":"SPEAKER_01","startTime":85.76,"endTime":86.4,"body":"entertain"},{"speaker":"SPEAKER_01","startTime":86.4,"endTime":86.56,"body":"you,"},{"speaker":"SPEAKER_01","startTime":86.64,"endTime":86.88,"body":"just"},{"speaker":"SPEAKER_01","startTime":86.88,"endTime":87.04,"body":"a"},{"speaker":"SPEAKER_01","startTime":87.04,"endTime":87.92,"body":"smidge."},{"speaker":"SPEAKER_01","startTime":88.4,"endTime":88.88,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":89.2,"endTime":89.84,"body":"personally"},{"speaker":"SPEAKER_01","startTime":90.4,"endTime":90.72,"body":"really"},{"speaker":"SPEAKER_01","startTime":90.96,"endTime":91.92,"body":"excited"},{"speaker":"SPEAKER_01","startTime":92.32,"endTime":92.64,"body":"because"},{"speaker":"SPEAKER_01","startTime":93.28,"endTime":93.76,"body":"it's"},{"speaker":"SPEAKER_01","startTime":93.76,"endTime":94.08,"body":"just"},{"speaker":"SPEAKER_01","startTime":94.08,"endTime":94.4,"body":"one"},{"speaker":"SPEAKER_01","startTime":94.72,"endTime":95.2,"body":"week"},{"speaker":"SPEAKER_01","startTime":95.52,"endTime":95.84,"body":"till"},{"speaker":"SPEAKER_01","startTime":95.84,"endTime":96.0,"body":"I"},{"speaker":"SPEAKER_01","startTime":96.0,"endTime":96.24,"body":"see"},{"speaker":"SPEAKER_01","startTime":96.24,"endTime":96.4,"body":"if"},{"speaker":"SPEAKER_01","startTime":96.4,"endTime":96.8,"body":"anybody"},{"speaker":"SPEAKER_01","startTime":96.8,"endTime":97.04,"body":"wants"},{"speaker":"SPEAKER_01","startTime":97.04,"endTime":97.2,"body":"to"},{"speaker":"SPEAKER_01","startTime":97.2,"endTime":97.6,"body":"read"},{"speaker":"SPEAKER_01","startTime":97.6,"endTime":97.92,"body":"my"},{"speaker":"SPEAKER_01","startTime":97.92,"endTime":98.56,"body":"book."},{"speaker":"SPEAKER_01","startTime":99.84,"endTime":100.24,"body":"Now,"},{"speaker":"SPEAKER_01","startTime":100.48,"endTime":100.8,"body":"I"},{"speaker":"SPEAKER_01","startTime":100.8,"endTime":101.12,"body":"know,"},{"speaker":"SPEAKER_01","startTime":101.28,"endTime":101.6,"body":"I"},{"speaker":"SPEAKER_01","startTime":101.6,"endTime":101.92,"body":"know"},{"speaker":"SPEAKER_01","startTime":102.24,"endTime":102.88,"body":"independent"},{"speaker":"SPEAKER_01","startTime":102.88,"endTime":103.28,"body":"book"},{"speaker":"SPEAKER_01","startTime":103.28,"endTime":103.92,"body":"sales"},{"speaker":"SPEAKER_01","startTime":103.92,"endTime":104.16,"body":"are"},{"speaker":"SPEAKER_01","startTime":104.16,"endTime":104.48,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":104.48,"endTime":104.64,"body":"be"},{"speaker":"SPEAKER_01","startTime":104.64,"endTime":105.2,"body":"pathetic."},{"speaker":"SPEAKER_01","startTime":105.28,"endTime":105.44,"body":"I"},{"speaker":"SPEAKER_01","startTime":105.44,"endTime":105.68,"body":"am"},{"speaker":"SPEAKER_01","startTime":105.68,"endTime":105.76,"body":"not"},{"speaker":"SPEAKER_01","startTime":105.84,"endTime":106.32,"body":"expecting"},{"speaker":"SPEAKER_01","startTime":106.32,"endTime":106.48,"body":"to"},{"speaker":"SPEAKER_01","startTime":106.48,"endTime":106.64,"body":"make"},{"speaker":"SPEAKER_01","startTime":106.64,"endTime":106.8,"body":"any"},{"speaker":"SPEAKER_01","startTime":106.8,"endTime":107.12,"body":"money"},{"speaker":"SPEAKER_01","startTime":107.12,"endTime":107.44,"body":"off"},{"speaker":"SPEAKER_01","startTime":107.44,"endTime":107.68,"body":"this."},{"speaker":"SPEAKER_01","startTime":107.92,"endTime":108.32,"body":"It's"},{"speaker":"SPEAKER_01","startTime":108.32,"endTime":108.48,"body":"one"},{"speaker":"SPEAKER_01","startTime":108.48,"endTime":108.64,"body":"of"},{"speaker":"SPEAKER_01","startTime":108.64,"endTime":109.04,"body":"those,"},{"speaker":"SPEAKER_01","startTime":109.36,"endTime":109.52,"body":"I"},{"speaker":"SPEAKER_01","startTime":109.52,"endTime":109.68,"body":"don't"},{"speaker":"SPEAKER_01","startTime":109.68,"endTime":109.76,"body":"know,"},{"speaker":"SPEAKER_01","startTime":109.92,"endTime":110.08,"body":"it's"},{"speaker":"SPEAKER_01","startTime":110.08,"endTime":110.24,"body":"one"},{"speaker":"SPEAKER_01","startTime":110.24,"endTime":110.32,"body":"of"},{"speaker":"SPEAKER_01","startTime":110.32,"endTime":110.48,"body":"those"},{"speaker":"SPEAKER_01","startTime":110.48,"endTime":110.88,"body":"projects"},{"speaker":"SPEAKER_01","startTime":110.88,"endTime":111.2,"body":"I've"},{"speaker":"SPEAKER_01","startTime":111.2,"endTime":111.36,"body":"always"},{"speaker":"SPEAKER_01","startTime":111.36,"endTime":111.76,"body":"thought"},{"speaker":"SPEAKER_01","startTime":111.76,"endTime":112.08,"body":"about"},{"speaker":"SPEAKER_01","startTime":112.08,"endTime":112.48,"body":"doing."},{"speaker":"SPEAKER_01","startTime":112.64,"endTime":112.8,"body":"You"},{"speaker":"SPEAKER_01","startTime":112.8,"endTime":112.96,"body":"know,"},{"speaker":"SPEAKER_01","startTime":113.04,"endTime":113.2,"body":"I"},{"speaker":"SPEAKER_01","startTime":113.2,"endTime":113.36,"body":"just"},{"speaker":"SPEAKER_01","startTime":113.36,"endTime":113.76,"body":"thought"},{"speaker":"SPEAKER_01","startTime":113.76,"endTime":113.92,"body":"about"},{"speaker":"SPEAKER_01","startTime":113.92,"endTime":114.08,"body":"it"},{"speaker":"SPEAKER_01","startTime":114.08,"endTime":114.24,"body":"for"},{"speaker":"SPEAKER_01","startTime":114.24,"endTime":114.64,"body":"years"},{"speaker":"SPEAKER_01","startTime":114.64,"endTime":114.88,"body":"and"},{"speaker":"SPEAKER_01","startTime":114.88,"endTime":115.28,"body":"years"},{"speaker":"SPEAKER_01","startTime":115.28,"endTime":115.52,"body":"and"},{"speaker":"SPEAKER_01","startTime":115.52,"endTime":116.16,"body":"years."},{"speaker":"SPEAKER_01","startTime":116.48,"endTime":116.8,"body":"And"},{"speaker":"SPEAKER_01","startTime":117.28,"endTime":117.6,"body":"as"},{"speaker":"SPEAKER_01","startTime":117.6,"endTime":118.32,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":118.32,"endTime":118.8,"body":"growing"},{"speaker":"SPEAKER_01","startTime":118.8,"endTime":119.12,"body":"older,"},{"speaker":"SPEAKER_01","startTime":119.2,"endTime":119.36,"body":"I"},{"speaker":"SPEAKER_01","startTime":119.36,"endTime":119.6,"body":"went,"},{"speaker":"SPEAKER_01","startTime":119.84,"endTime":120.08,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":120.08,"endTime":120.4,"body":"running"},{"speaker":"SPEAKER_01","startTime":120.4,"endTime":120.56,"body":"out"},{"speaker":"SPEAKER_01","startTime":120.56,"endTime":120.8,"body":"of"},{"speaker":"SPEAKER_01","startTime":120.8,"endTime":120.96,"body":"time"},{"speaker":"SPEAKER_01","startTime":120.96,"endTime":121.2,"body":"to"},{"speaker":"SPEAKER_01","startTime":121.2,"endTime":121.52,"body":"do"},{"speaker":"SPEAKER_01","startTime":121.52,"endTime":121.84,"body":"these"},{"speaker":"SPEAKER_01","startTime":121.84,"endTime":122.48,"body":"things."},{"speaker":"SPEAKER_01","startTime":123.36,"endTime":123.6,"body":"So"},{"speaker":"SPEAKER_01","startTime":123.84,"endTime":124.16,"body":"I"},{"speaker":"SPEAKER_01","startTime":124.16,"endTime":124.64,"body":"stopped"},{"speaker":"SPEAKER_01","startTime":124.64,"endTime":124.96,"body":"doing"},{"speaker":"SPEAKER_01","startTime":124.96,"endTime":125.36,"body":"voice"},{"speaker":"SPEAKER_01","startTime":125.36,"endTime":125.52,"body":"work"},{"speaker":"SPEAKER_01","startTime":125.52,"endTime":125.68,"body":"for"},{"speaker":"SPEAKER_01","startTime":125.68,"endTime":125.76,"body":"a"},{"speaker":"SPEAKER_01","startTime":125.76,"endTime":126.0,"body":"while."},{"speaker":"SPEAKER_01","startTime":126.08,"endTime":126.24,"body":"I"},{"speaker":"SPEAKER_01","startTime":126.24,"endTime":126.4,"body":"just"},{"speaker":"SPEAKER_01","startTime":126.4,"endTime":126.88,"body":"cut"},{"speaker":"SPEAKER_01","startTime":126.88,"endTime":127.12,"body":"way,"},{"speaker":"SPEAKER_01","startTime":127.28,"endTime":127.6,"body":"way"},{"speaker":"SPEAKER_01","startTime":127.6,"endTime":127.84,"body":"back"},{"speaker":"SPEAKER_01","startTime":127.84,"endTime":128.0,"body":"on"},{"speaker":"SPEAKER_01","startTime":128.0,"endTime":128.16,"body":"my"},{"speaker":"SPEAKER_01","startTime":128.16,"endTime":128.56,"body":"voice"},{"speaker":"SPEAKER_01","startTime":128.56,"endTime":128.64,"body":"work."},{"speaker":"SPEAKER_01","startTime":129.12,"endTime":129.6,"body":"Way"},{"speaker":"SPEAKER_01","startTime":129.6,"endTime":129.92,"body":"back."},{"speaker":"SPEAKER_01","startTime":130.32,"endTime":130.4,"body":"Uh,"},{"speaker":"SPEAKER_01","startTime":130.64,"endTime":130.96,"body":"and"},{"speaker":"SPEAKER_01","startTime":130.96,"endTime":131.36,"body":"used"},{"speaker":"SPEAKER_01","startTime":131.36,"endTime":131.6,"body":"that"},{"speaker":"SPEAKER_01","startTime":131.6,"endTime":131.92,"body":"time"},{"speaker":"SPEAKER_01","startTime":131.92,"endTime":132.16,"body":"to"},{"speaker":"SPEAKER_01","startTime":132.16,"endTime":132.32,"body":"work"},{"speaker":"SPEAKER_01","startTime":132.32,"endTime":132.48,"body":"on"},{"speaker":"SPEAKER_01","startTime":132.48,"endTime":132.8,"body":"a"},{"speaker":"SPEAKER_01","startTime":132.8,"endTime":133.28,"body":"novel"},{"speaker":"SPEAKER_01","startTime":133.28,"endTime":133.84,"body":"that's"},{"speaker":"SPEAKER_01","startTime":133.84,"endTime":134.16,"body":"been"},{"speaker":"SPEAKER_01","startTime":134.16,"endTime":134.8,"body":"rattling"},{"speaker":"SPEAKER_01","startTime":134.88,"endTime":135.2,"body":"around"},{"speaker":"SPEAKER_01","startTime":135.2,"endTime":135.44,"body":"in"},{"speaker":"SPEAKER_01","startTime":135.44,"endTime":135.76,"body":"my"},{"speaker":"SPEAKER_01","startTime":135.76,"endTime":136.24,"body":"brain"},{"speaker":"SPEAKER_01","startTime":136.24,"endTime":136.48,"body":"for"},{"speaker":"SPEAKER_01","startTime":136.48,"endTime":136.64,"body":"a"},{"speaker":"SPEAKER_01","startTime":136.64,"endTime":136.88,"body":"long,"},{"speaker":"SPEAKER_01","startTime":136.96,"endTime":137.2,"body":"long"},{"speaker":"SPEAKER_01","startTime":137.2,"endTime":137.36,"body":"time."},{"speaker":"SPEAKER_01","startTime":137.52,"endTime":137.6,"body":"I"},{"speaker":"SPEAKER_01","startTime":137.6,"endTime":137.76,"body":"mean,"},{"speaker":"SPEAKER_01","startTime":137.84,"endTime":138.0,"body":"a"},{"speaker":"SPEAKER_01","startTime":138.0,"endTime":138.16,"body":"long"},{"speaker":"SPEAKER_01","startTime":138.16,"endTime":138.32,"body":"time,"},{"speaker":"SPEAKER_01","startTime":138.48,"endTime":138.64,"body":"ever"},{"speaker":"SPEAKER_01","startTime":138.8,"endTime":139.36,"body":"since"},{"speaker":"SPEAKER_01","startTime":139.36,"endTime":139.68,"body":"I"},{"speaker":"SPEAKER_01","startTime":139.68,"endTime":140.24,"body":"walked"},{"speaker":"SPEAKER_01","startTime":140.4,"endTime":140.56,"body":"the"},{"speaker":"SPEAKER_01","startTime":140.64,"endTime":140.96,"body":"uh"},{"speaker":"SPEAKER_01","startTime":142.16,"endTime":142.48,"body":"the"},{"speaker":"SPEAKER_01","startTime":142.64,"endTime":143.12,"body":"National"},{"speaker":"SPEAKER_01","startTime":143.36,"endTime":144.0,"body":"Monument"},{"speaker":"SPEAKER_01","startTime":144.0,"endTime":144.16,"body":"in"},{"speaker":"SPEAKER_01","startTime":144.16,"endTime":144.32,"body":"uh"},{"speaker":"SPEAKER_01","startTime":144.48,"endTime":145.2,"body":"Andersonville,"},{"speaker":"SPEAKER_01","startTime":145.28,"endTime":145.76,"body":"Virginia,"},{"speaker":"SPEAKER_01","startTime":145.84,"endTime":146.08,"body":"or"},{"speaker":"SPEAKER_01","startTime":146.08,"endTime":146.96,"body":"Georgia,"},{"speaker":"SPEAKER_01","startTime":147.12,"endTime":147.28,"body":"uh,"},{"speaker":"SPEAKER_01","startTime":147.52,"endTime":147.76,"body":"because"},{"speaker":"SPEAKER_01","startTime":147.76,"endTime":147.92,"body":"my"},{"speaker":"SPEAKER_01","startTime":147.92,"endTime":149.36,"body":"great-great-grandfather"},{"speaker":"SPEAKER_01","startTime":149.36,"endTime":149.68,"body":"was"},{"speaker":"SPEAKER_01","startTime":150.0,"endTime":150.8,"body":"imprisoned"},{"speaker":"SPEAKER_01","startTime":150.8,"endTime":150.96,"body":"there,"},{"speaker":"SPEAKER_01","startTime":151.04,"endTime":151.2,"body":"and"},{"speaker":"SPEAKER_01","startTime":151.2,"endTime":151.36,"body":"he"},{"speaker":"SPEAKER_01","startTime":151.36,"endTime":151.6,"body":"wrote"},{"speaker":"SPEAKER_01","startTime":151.6,"endTime":151.68,"body":"a"},{"speaker":"SPEAKER_01","startTime":151.68,"endTime":151.92,"body":"letter"},{"speaker":"SPEAKER_01","startTime":151.92,"endTime":152.08,"body":"about"},{"speaker":"SPEAKER_01","startTime":152.08,"endTime":152.24,"body":"it,"},{"speaker":"SPEAKER_01","startTime":152.32,"endTime":152.48,"body":"and"},{"speaker":"SPEAKER_01","startTime":152.48,"endTime":152.64,"body":"I"},{"speaker":"SPEAKER_01","startTime":152.64,"endTime":153.12,"body":"carried"},{"speaker":"SPEAKER_01","startTime":153.12,"endTime":153.36,"body":"the"},{"speaker":"SPEAKER_01","startTime":153.36,"endTime":153.68,"body":"letter"},{"speaker":"SPEAKER_01","startTime":153.84,"endTime":154.08,"body":"and"},{"speaker":"SPEAKER_01","startTime":154.08,"endTime":154.48,"body":"read"},{"speaker":"SPEAKER_01","startTime":154.48,"endTime":154.64,"body":"it"},{"speaker":"SPEAKER_01","startTime":154.64,"endTime":154.8,"body":"as"},{"speaker":"SPEAKER_01","startTime":154.8,"endTime":154.88,"body":"I"},{"speaker":"SPEAKER_01","startTime":154.88,"endTime":155.2,"body":"walked"},{"speaker":"SPEAKER_01","startTime":155.2,"endTime":155.44,"body":"through"},{"speaker":"SPEAKER_01","startTime":155.44,"endTime":155.6,"body":"there"},{"speaker":"SPEAKER_01","startTime":155.68,"endTime":155.84,"body":"and"},{"speaker":"SPEAKER_01","startTime":155.84,"endTime":156.08,"body":"was"},{"speaker":"SPEAKER_01","startTime":156.08,"endTime":156.24,"body":"very"},{"speaker":"SPEAKER_01","startTime":156.24,"endTime":156.72,"body":"moved"},{"speaker":"SPEAKER_01","startTime":156.72,"endTime":156.88,"body":"by"},{"speaker":"SPEAKER_01","startTime":156.88,"endTime":157.12,"body":"it."},{"speaker":"SPEAKER_01","startTime":157.28,"endTime":157.6,"body":"So"},{"speaker":"SPEAKER_01","startTime":157.92,"endTime":158.24,"body":"I"},{"speaker":"SPEAKER_01","startTime":158.24,"endTime":158.72,"body":"wanted"},{"speaker":"SPEAKER_01","startTime":158.72,"endTime":159.04,"body":"to"},{"speaker":"SPEAKER_01","startTime":159.04,"endTime":159.28,"body":"do"},{"speaker":"SPEAKER_01","startTime":159.28,"endTime":159.68,"body":"something,"},{"speaker":"SPEAKER_01","startTime":159.76,"endTime":159.92,"body":"and"},{"speaker":"SPEAKER_01","startTime":159.92,"endTime":160.08,"body":"then"},{"speaker":"SPEAKER_01","startTime":160.08,"endTime":160.32,"body":"I"},{"speaker":"SPEAKER_01","startTime":160.32,"endTime":160.8,"body":"decided"},{"speaker":"SPEAKER_01","startTime":160.96,"endTime":161.2,"body":"I"},{"speaker":"SPEAKER_01","startTime":161.2,"endTime":161.44,"body":"just"},{"speaker":"SPEAKER_01","startTime":161.44,"endTime":161.76,"body":"don't"},{"speaker":"SPEAKER_01","startTime":161.76,"endTime":161.92,"body":"know"},{"speaker":"SPEAKER_01","startTime":161.92,"endTime":162.4,"body":"enough"},{"speaker":"SPEAKER_01","startTime":162.4,"endTime":162.64,"body":"about"},{"speaker":"SPEAKER_01","startTime":162.64,"endTime":162.8,"body":"him."},{"speaker":"SPEAKER_01","startTime":162.88,"endTime":163.04,"body":"There"},{"speaker":"SPEAKER_01","startTime":163.04,"endTime":163.36,"body":"wasn't"},{"speaker":"SPEAKER_01","startTime":163.36,"endTime":163.84,"body":"enough"},{"speaker":"SPEAKER_01","startTime":163.84,"endTime":164.4,"body":"information"},{"speaker":"SPEAKER_01","startTime":164.4,"endTime":164.64,"body":"to"},{"speaker":"SPEAKER_01","startTime":164.64,"endTime":165.04,"body":"write"},{"speaker":"SPEAKER_01","startTime":165.04,"endTime":165.6,"body":"something"},{"speaker":"SPEAKER_01","startTime":165.6,"endTime":166.32,"body":"nonfictional,"},{"speaker":"SPEAKER_01","startTime":166.4,"endTime":166.56,"body":"and"},{"speaker":"SPEAKER_01","startTime":166.56,"endTime":166.8,"body":"I"},{"speaker":"SPEAKER_01","startTime":166.8,"endTime":167.04,"body":"love"},{"speaker":"SPEAKER_01","startTime":167.04,"endTime":167.52,"body":"historical"},{"speaker":"SPEAKER_01","startTime":167.52,"endTime":168.0,"body":"fiction,"},{"speaker":"SPEAKER_01","startTime":168.24,"endTime":168.56,"body":"so"},{"speaker":"SPEAKER_01","startTime":168.88,"endTime":169.2,"body":"I"},{"speaker":"SPEAKER_01","startTime":169.2,"endTime":169.68,"body":"worked"},{"speaker":"SPEAKER_01","startTime":169.68,"endTime":169.84,"body":"really"},{"speaker":"SPEAKER_01","startTime":169.84,"endTime":170.08,"body":"hard"},{"speaker":"SPEAKER_01","startTime":170.08,"endTime":170.24,"body":"on"},{"speaker":"SPEAKER_01","startTime":170.24,"endTime":170.48,"body":"a"},{"speaker":"SPEAKER_01","startTime":170.48,"endTime":171.04,"body":"historical"},{"speaker":"SPEAKER_01","startTime":171.04,"endTime":171.68,"body":"fiction"},{"speaker":"SPEAKER_01","startTime":171.68,"endTime":172.32,"body":"novel"},{"speaker":"SPEAKER_01","startTime":172.48,"endTime":172.96,"body":"called"},{"speaker":"SPEAKER_01","startTime":172.96,"endTime":173.2,"body":"The"},{"speaker":"SPEAKER_01","startTime":173.2,"endTime":173.68,"body":"Line"},{"speaker":"SPEAKER_01","startTime":173.68,"endTime":174.72,"body":"Uncrossed."},{"speaker":"SPEAKER_01","startTime":175.68,"endTime":176.0,"body":"And"},{"speaker":"SPEAKER_01","startTime":176.0,"endTime":176.24,"body":"uh"},{"speaker":"SPEAKER_01","startTime":176.4,"endTime":176.8,"body":"it's"},{"speaker":"SPEAKER_01","startTime":176.8,"endTime":177.04,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":177.04,"endTime":177.2,"body":"be"},{"speaker":"SPEAKER_01","startTime":177.2,"endTime":177.44,"body":"in"},{"speaker":"SPEAKER_01","startTime":177.44,"endTime":178.4,"body":"bookstores,"},{"speaker":"SPEAKER_01","startTime":178.56,"endTime":178.8,"body":"well,"},{"speaker":"SPEAKER_01","startTime":178.88,"endTime":179.12,"body":"not"},{"speaker":"SPEAKER_01","startTime":179.12,"endTime":179.28,"body":"in"},{"speaker":"SPEAKER_01","startTime":179.28,"endTime":179.92,"body":"bookstores,"},{"speaker":"SPEAKER_01","startTime":180.0,"endTime":180.08,"body":"but"},{"speaker":"SPEAKER_01","startTime":180.16,"endTime":180.32,"body":"you"},{"speaker":"SPEAKER_01","startTime":180.32,"endTime":180.4,"body":"know,"},{"speaker":"SPEAKER_01","startTime":180.48,"endTime":180.64,"body":"the"},{"speaker":"SPEAKER_01","startTime":180.64,"endTime":180.96,"body":"online"},{"speaker":"SPEAKER_01","startTime":181.12,"endTime":181.52,"body":"stuff,"},{"speaker":"SPEAKER_01","startTime":181.68,"endTime":181.92,"body":"on"},{"speaker":"SPEAKER_01","startTime":181.92,"endTime":182.08,"body":"the"},{"speaker":"SPEAKER_01","startTime":182.08,"endTime":182.72,"body":"22nd,"},{"speaker":"SPEAKER_01","startTime":182.8,"endTime":183.04,"body":"which"},{"speaker":"SPEAKER_01","startTime":183.04,"endTime":183.12,"body":"I"},{"speaker":"SPEAKER_01","startTime":183.12,"endTime":183.44,"body":"thought"},{"speaker":"SPEAKER_01","startTime":183.44,"endTime":183.68,"body":"was"},{"speaker":"SPEAKER_01","startTime":183.68,"endTime":183.84,"body":"really"},{"speaker":"SPEAKER_01","startTime":183.84,"endTime":184.48,"body":"appropriate"},{"speaker":"SPEAKER_01","startTime":184.72,"endTime":185.04,"body":"because"},{"speaker":"SPEAKER_01","startTime":185.04,"endTime":185.6,"body":"Memorial"},{"speaker":"SPEAKER_01","startTime":185.6,"endTime":185.92,"body":"Day"},{"speaker":"SPEAKER_01","startTime":185.92,"endTime":186.32,"body":"weekend"},{"speaker":"SPEAKER_01","startTime":186.32,"endTime":186.48,"body":"was"},{"speaker":"SPEAKER_01","startTime":186.48,"endTime":186.8,"body":"started"},{"speaker":"SPEAKER_01","startTime":186.8,"endTime":186.96,"body":"in"},{"speaker":"SPEAKER_01","startTime":186.96,"endTime":187.04,"body":"the"},{"speaker":"SPEAKER_01","startTime":187.04,"endTime":187.36,"body":"wake"},{"speaker":"SPEAKER_01","startTime":187.36,"endTime":187.44,"body":"of"},{"speaker":"SPEAKER_01","startTime":187.44,"endTime":187.6,"body":"the"},{"speaker":"SPEAKER_01","startTime":187.6,"endTime":187.92,"body":"Civil"},{"speaker":"SPEAKER_01","startTime":187.92,"endTime":188.16,"body":"War"},{"speaker":"SPEAKER_01","startTime":188.32,"endTime":188.64,"body":"to"},{"speaker":"SPEAKER_01","startTime":188.64,"endTime":189.6,"body":"memorialize"},{"speaker":"SPEAKER_01","startTime":189.6,"endTime":189.76,"body":"the"},{"speaker":"SPEAKER_01","startTime":189.76,"endTime":190.16,"body":"Civil"},{"speaker":"SPEAKER_01","startTime":190.16,"endTime":190.56,"body":"War"},{"speaker":"SPEAKER_01","startTime":190.56,"endTime":190.96,"body":"dead,"},{"speaker":"SPEAKER_01","startTime":191.04,"endTime":191.28,"body":"and"},{"speaker":"SPEAKER_01","startTime":191.28,"endTime":191.36,"body":"it"},{"speaker":"SPEAKER_01","startTime":191.36,"endTime":191.52,"body":"was"},{"speaker":"SPEAKER_01","startTime":191.52,"endTime":191.76,"body":"called"},{"speaker":"SPEAKER_01","startTime":191.76,"endTime":192.4,"body":"Decoration"},{"speaker":"SPEAKER_01","startTime":192.4,"endTime":192.72,"body":"Day."},{"speaker":"SPEAKER_01","startTime":192.88,"endTime":193.04,"body":"So"},{"speaker":"SPEAKER_01","startTime":193.04,"endTime":193.2,"body":"I"},{"speaker":"SPEAKER_01","startTime":193.2,"endTime":193.52,"body":"decided"},{"speaker":"SPEAKER_01","startTime":193.52,"endTime":193.6,"body":"to"},{"speaker":"SPEAKER_01","startTime":193.6,"endTime":193.92,"body":"release"},{"speaker":"SPEAKER_01","startTime":193.92,"endTime":194.0,"body":"it"},{"speaker":"SPEAKER_01","startTime":194.0,"endTime":194.16,"body":"on"},{"speaker":"SPEAKER_01","startTime":194.16,"endTime":194.64,"body":"Memorial"},{"speaker":"SPEAKER_01","startTime":194.64,"endTime":194.88,"body":"Day"},{"speaker":"SPEAKER_01","startTime":194.88,"endTime":195.28,"body":"weekend"},{"speaker":"SPEAKER_01","startTime":195.28,"endTime":195.44,"body":"to"},{"speaker":"SPEAKER_01","startTime":195.44,"endTime":195.52,"body":"the"},{"speaker":"SPEAKER_01","startTime":195.52,"endTime":195.92,"body":"general"},{"speaker":"SPEAKER_01","startTime":195.92,"endTime":196.24,"body":"public."},{"speaker":"SPEAKER_01","startTime":196.4,"endTime":196.8,"body":"However,"},{"speaker":"SPEAKER_01","startTime":196.96,"endTime":197.12,"body":"since"},{"speaker":"SPEAKER_01","startTime":197.12,"endTime":197.36,"body":"you're"},{"speaker":"SPEAKER_01","startTime":197.36,"endTime":197.44,"body":"a"},{"speaker":"SPEAKER_01","startTime":197.44,"endTime":197.84,"body":"listener,"},{"speaker":"SPEAKER_01","startTime":198.0,"endTime":198.16,"body":"if"},{"speaker":"SPEAKER_01","startTime":198.16,"endTime":198.24,"body":"you"},{"speaker":"SPEAKER_01","startTime":198.24,"endTime":198.4,"body":"want"},{"speaker":"SPEAKER_01","startTime":198.4,"endTime":198.48,"body":"to"},{"speaker":"SPEAKER_01","startTime":198.48,"endTime":198.64,"body":"get"},{"speaker":"SPEAKER_01","startTime":198.64,"endTime":198.72,"body":"a"},{"speaker":"SPEAKER_01","startTime":198.72,"endTime":199.04,"body":"copy"},{"speaker":"SPEAKER_01","startTime":199.04,"endTime":199.36,"body":"early,"},{"speaker":"SPEAKER_01","startTime":199.44,"endTime":199.6,"body":"you"},{"speaker":"SPEAKER_01","startTime":199.6,"endTime":199.68,"body":"can"},{"speaker":"SPEAKER_01","startTime":199.68,"endTime":199.76,"body":"get"},{"speaker":"SPEAKER_01","startTime":199.76,"endTime":199.92,"body":"an"},{"speaker":"SPEAKER_01","startTime":199.92,"endTime":200.56,"body":"e-book"},{"speaker":"SPEAKER_01","startTime":200.56,"endTime":201.12,"body":"copy"},{"speaker":"SPEAKER_01","startTime":201.12,"endTime":201.28,"body":"with"},{"speaker":"SPEAKER_01","startTime":201.28,"endTime":201.52,"body":"a"},{"speaker":"SPEAKER_01","startTime":201.52,"endTime":201.92,"body":"bonus"},{"speaker":"SPEAKER_01","startTime":201.92,"endTime":202.08,"body":"of"},{"speaker":"SPEAKER_01","startTime":202.08,"endTime":202.16,"body":"a"},{"speaker":"SPEAKER_01","startTime":202.16,"endTime":202.4,"body":"couple"},{"speaker":"SPEAKER_01","startTime":202.4,"endTime":202.56,"body":"of"},{"speaker":"SPEAKER_01","startTime":202.56,"endTime":202.96,"body":"short"},{"speaker":"SPEAKER_01","startTime":202.96,"endTime":203.44,"body":"stories"},{"speaker":"SPEAKER_01","startTime":203.52,"endTime":203.76,"body":"for"},{"speaker":"SPEAKER_01","startTime":203.76,"endTime":204.0,"body":"just"},{"speaker":"SPEAKER_01","startTime":204.0,"endTime":204.32,"body":"five"},{"speaker":"SPEAKER_01","startTime":204.32,"endTime":204.64,"body":"bucks"},{"speaker":"SPEAKER_01","startTime":204.72,"endTime":204.88,"body":"if"},{"speaker":"SPEAKER_01","startTime":204.88,"endTime":205.04,"body":"you"},{"speaker":"SPEAKER_01","startTime":205.04,"endTime":205.2,"body":"go"},{"speaker":"SPEAKER_01","startTime":205.2,"endTime":205.44,"body":"right"},{"speaker":"SPEAKER_01","startTime":205.44,"endTime":205.6,"body":"now"},{"speaker":"SPEAKER_01","startTime":205.6,"endTime":205.84,"body":"to"},{"speaker":"SPEAKER_01","startTime":205.84,"endTime":207.44,"body":"donmcdonald.com."},{"speaker":"SPEAKER_01","startTime":207.52,"endTime":207.84,"body":"That's"},{"speaker":"SPEAKER_01","startTime":207.84,"endTime":209.28,"body":"donmcdonald.com,"},{"speaker":"SPEAKER_01","startTime":209.36,"endTime":209.68,"body":"and"},{"speaker":"SPEAKER_01","startTime":209.68,"endTime":209.92,"body":"just"},{"speaker":"SPEAKER_01","startTime":209.92,"endTime":210.16,"body":"uh"},{"speaker":"SPEAKER_01","startTime":210.16,"endTime":210.64,"body":"order"},{"speaker":"SPEAKER_01","startTime":210.64,"endTime":210.8,"body":"the"},{"speaker":"SPEAKER_01","startTime":210.8,"endTime":211.28,"body":"book"},{"speaker":"SPEAKER_01","startTime":211.28,"endTime":211.6,"body":"right"},{"speaker":"SPEAKER_01","startTime":211.6,"endTime":211.92,"body":"there."},{"speaker":"SPEAKER_01","startTime":212.4,"endTime":212.72,"body":"Okay,"},{"speaker":"SPEAKER_01","startTime":212.88,"endTime":213.28,"body":"let's"},{"speaker":"SPEAKER_01","startTime":213.28,"endTime":213.44,"body":"do"},{"speaker":"SPEAKER_01","startTime":213.44,"endTime":213.6,"body":"this"},{"speaker":"SPEAKER_01","startTime":213.6,"endTime":213.84,"body":"thing"},{"speaker":"SPEAKER_01","startTime":213.92,"endTime":214.08,"body":"we"},{"speaker":"SPEAKER_01","startTime":214.08,"endTime":214.24,"body":"do."},{"speaker":"SPEAKER_01","startTime":214.32,"endTime":214.64,"body":"Let's"},{"speaker":"SPEAKER_01","startTime":214.64,"endTime":214.88,"body":"start"},{"speaker":"SPEAKER_01","startTime":214.88,"endTime":215.04,"body":"with"},{"speaker":"SPEAKER_01","startTime":215.12,"endTime":215.36,"body":"uh,"},{"speaker":"SPEAKER_01","startTime":215.52,"endTime":215.68,"body":"well,"},{"speaker":"SPEAKER_01","startTime":215.84,"endTime":216.16,"body":"how"},{"speaker":"SPEAKER_01","startTime":216.16,"endTime":216.4,"body":"about"},{"speaker":"SPEAKER_01","startTime":216.4,"endTime":216.72,"body":"our"},{"speaker":"SPEAKER_01","startTime":216.72,"endTime":216.96,"body":"first"},{"speaker":"SPEAKER_01","startTime":216.96,"endTime":217.28,"body":"question?"},{"speaker":"SPEAKER_01","startTime":217.44,"endTime":217.68,"body":"Here"},{"speaker":"SPEAKER_01","startTime":217.68,"endTime":217.76,"body":"it"},{"speaker":"SPEAKER_01","startTime":217.76,"endTime":217.92,"body":"is."},{"speaker":"SPEAKER_02","startTime":218.16,"endTime":218.32,"body":"Hi,"},{"speaker":"SPEAKER_02","startTime":218.4,"endTime":218.64,"body":"Tom."},{"speaker":"SPEAKER_02","startTime":218.72,"endTime":218.88,"body":"Hi,"},{"speaker":"SPEAKER_02","startTime":219.04,"endTime":219.28,"body":"Don."},{"speaker":"SPEAKER_02","startTime":219.44,"endTime":219.6,"body":"Just"},{"speaker":"SPEAKER_02","startTime":219.6,"endTime":219.84,"body":"thought"},{"speaker":"SPEAKER_02","startTime":219.84,"endTime":220.0,"body":"I"},{"speaker":"SPEAKER_02","startTime":220.0,"endTime":220.16,"body":"would"},{"speaker":"SPEAKER_02","startTime":220.16,"endTime":220.24,"body":"give"},{"speaker":"SPEAKER_02","startTime":220.24,"endTime":220.4,"body":"you"},{"speaker":"SPEAKER_02","startTime":220.4,"endTime":220.56,"body":"a"},{"speaker":"SPEAKER_02","startTime":220.56,"endTime":220.96,"body":"holler."},{"speaker":"SPEAKER_02","startTime":221.04,"endTime":221.36,"body":"I've"},{"speaker":"SPEAKER_02","startTime":221.36,"endTime":221.52,"body":"never"},{"speaker":"SPEAKER_02","startTime":221.52,"endTime":221.84,"body":"done"},{"speaker":"SPEAKER_02","startTime":221.84,"endTime":222.0,"body":"this"},{"speaker":"SPEAKER_02","startTime":222.0,"endTime":222.48,"body":"before,"},{"speaker":"SPEAKER_02","startTime":222.8,"endTime":223.12,"body":"but"},{"speaker":"SPEAKER_02","startTime":223.12,"endTime":223.44,"body":"it's"},{"speaker":"SPEAKER_02","startTime":223.44,"endTime":223.68,"body":"not"},{"speaker":"SPEAKER_02","startTime":223.68,"endTime":224.4,"body":"painful."},{"speaker":"SPEAKER_02","startTime":224.64,"endTime":224.8,"body":"Um,"},{"speaker":"SPEAKER_02","startTime":224.96,"endTime":225.2,"body":"I"},{"speaker":"SPEAKER_02","startTime":225.2,"endTime":225.36,"body":"have"},{"speaker":"SPEAKER_02","startTime":225.36,"endTime":225.52,"body":"a"},{"speaker":"SPEAKER_02","startTime":225.52,"endTime":225.92,"body":"quick"},{"speaker":"SPEAKER_02","startTime":225.92,"endTime":226.48,"body":"question"},{"speaker":"SPEAKER_02","startTime":226.48,"endTime":226.72,"body":"in"},{"speaker":"SPEAKER_02","startTime":226.72,"endTime":227.52,"body":"regards"},{"speaker":"SPEAKER_02","startTime":227.52,"endTime":227.84,"body":"to"},{"speaker":"SPEAKER_02","startTime":228.16,"endTime":228.8,"body":"strategy."},{"speaker":"SPEAKER_02","startTime":229.28,"endTime":229.44,"body":"Um"},{"speaker":"SPEAKER_02","startTime":229.6,"endTime":229.76,"body":"I"},{"speaker":"SPEAKER_02","startTime":229.76,"endTime":230.0,"body":"have"},{"speaker":"SPEAKER_02","startTime":230.0,"endTime":230.16,"body":"an"},{"speaker":"SPEAKER_02","startTime":230.16,"endTime":230.72,"body":"84%"},{"speaker":"SPEAKER_02","startTime":231.6,"endTime":231.92,"body":"or"},{"speaker":"SPEAKER_02","startTime":232.08,"endTime":232.72,"body":"84%"},{"speaker":"SPEAKER_02","startTime":232.96,"endTime":233.52,"body":"rating"},{"speaker":"SPEAKER_02","startTime":233.52,"endTime":233.68,"body":"on"},{"speaker":"SPEAKER_02","startTime":233.68,"endTime":234.0,"body":"the"},{"speaker":"SPEAKER_02","startTime":234.0,"endTime":234.24,"body":"risk"},{"speaker":"SPEAKER_02","startTime":234.56,"endTime":234.8,"body":"uh"},{"speaker":"SPEAKER_02","startTime":235.04,"endTime":235.36,"body":"test"},{"speaker":"SPEAKER_02","startTime":235.44,"endTime":235.68,"body":"that"},{"speaker":"SPEAKER_02","startTime":235.68,"endTime":235.92,"body":"was"},{"speaker":"SPEAKER_02","startTime":235.92,"endTime":236.56,"body":"taken,"},{"speaker":"SPEAKER_02","startTime":236.96,"endTime":237.28,"body":"and"},{"speaker":"SPEAKER_02","startTime":237.28,"endTime":237.44,"body":"I"},{"speaker":"SPEAKER_02","startTime":237.76,"endTime":238.08,"body":"am"},{"speaker":"SPEAKER_02","startTime":238.08,"endTime":238.4,"body":"pretty"},{"speaker":"SPEAKER_02","startTime":238.4,"endTime":238.72,"body":"well"},{"speaker":"SPEAKER_02","startTime":238.72,"endTime":239.44,"body":"diversified."},{"speaker":"SPEAKER_02","startTime":239.52,"endTime":239.6,"body":"Um"},{"speaker":"SPEAKER_02","startTime":239.76,"endTime":240.16,"body":"I'm"},{"speaker":"SPEAKER_02","startTime":240.16,"endTime":240.56,"body":"pretty"},{"speaker":"SPEAKER_02","startTime":240.56,"endTime":241.44,"body":"skilled"},{"speaker":"SPEAKER_02","startTime":241.44,"endTime":241.76,"body":"at"},{"speaker":"SPEAKER_02","startTime":241.92,"endTime":242.24,"body":"uh"},{"speaker":"SPEAKER_02","startTime":242.4,"endTime":242.64,"body":"uh"},{"speaker":"SPEAKER_02","startTime":242.64,"endTime":243.12,"body":"doing"},{"speaker":"SPEAKER_02","startTime":243.12,"endTime":243.28,"body":"my"},{"speaker":"SPEAKER_02","startTime":243.28,"endTime":243.52,"body":"own"},{"speaker":"SPEAKER_02","startTime":243.52,"endTime":244.08,"body":"investments."},{"speaker":"SPEAKER_02","startTime":244.48,"endTime":244.64,"body":"The"},{"speaker":"SPEAKER_02","startTime":244.64,"endTime":244.96,"body":"big"},{"speaker":"SPEAKER_02","startTime":244.96,"endTime":245.52,"body":"deal"},{"speaker":"SPEAKER_02","startTime":245.52,"endTime":245.76,"body":"is"},{"speaker":"SPEAKER_02","startTime":245.92,"endTime":246.24,"body":"um"},{"speaker":"SPEAKER_02","startTime":246.48,"endTime":246.96,"body":"I'm"},{"speaker":"SPEAKER_02","startTime":246.96,"endTime":248.08,"body":"61"},{"speaker":"SPEAKER_02","startTime":248.48,"endTime":248.8,"body":"and"},{"speaker":"SPEAKER_02","startTime":248.8,"endTime":249.12,"body":"I"},{"speaker":"SPEAKER_02","startTime":249.12,"endTime":249.36,"body":"want"},{"speaker":"SPEAKER_02","startTime":249.36,"endTime":249.52,"body":"to"},{"speaker":"SPEAKER_02","startTime":249.52,"endTime":250.08,"body":"avoid"},{"speaker":"SPEAKER_02","startTime":250.08,"endTime":250.88,"body":"RMDs"},{"speaker":"SPEAKER_02","startTime":250.88,"endTime":251.04,"body":"in"},{"speaker":"SPEAKER_02","startTime":251.04,"endTime":251.2,"body":"the"},{"speaker":"SPEAKER_02","startTime":251.2,"endTime":251.52,"body":"future."},{"speaker":"SPEAKER_02","startTime":251.92,"endTime":252.24,"body":"With"},{"speaker":"SPEAKER_02","startTime":252.24,"endTime":252.4,"body":"the"},{"speaker":"SPEAKER_02","startTime":252.8,"endTime":253.12,"body":"end"},{"speaker":"SPEAKER_02","startTime":253.12,"endTime":253.44,"body":"in"},{"speaker":"SPEAKER_02","startTime":253.44,"endTime":253.76,"body":"mind,"},{"speaker":"SPEAKER_02","startTime":254.4,"endTime":254.72,"body":"I"},{"speaker":"SPEAKER_02","startTime":254.96,"endTime":255.12,"body":"be"},{"speaker":"SPEAKER_02","startTime":255.28,"endTime":255.92,"body":"tempted"},{"speaker":"SPEAKER_02","startTime":256.16,"endTime":256.4,"body":"to"},{"speaker":"SPEAKER_02","startTime":256.4,"endTime":256.8,"body":"take"},{"speaker":"SPEAKER_02","startTime":256.8,"endTime":257.04,"body":"half"},{"speaker":"SPEAKER_02","startTime":257.04,"endTime":257.28,"body":"of"},{"speaker":"SPEAKER_02","startTime":257.28,"endTime":257.52,"body":"my"},{"speaker":"SPEAKER_02","startTime":257.52,"endTime":258.16,"body":"portfolio,"},{"speaker":"SPEAKER_02","startTime":258.32,"endTime":258.64,"body":"which"},{"speaker":"SPEAKER_02","startTime":258.64,"endTime":258.96,"body":"is"},{"speaker":"SPEAKER_02","startTime":258.96,"endTime":259.28,"body":"about"},{"speaker":"SPEAKER_02","startTime":259.84,"endTime":261.12,"body":"4.1"},{"speaker":"SPEAKER_02","startTime":261.44,"endTime":262.08,"body":"million,"},{"speaker":"SPEAKER_02","startTime":262.72,"endTime":263.04,"body":"and"},{"speaker":"SPEAKER_02","startTime":263.04,"endTime":263.68,"body":"convert"},{"speaker":"SPEAKER_02","startTime":263.84,"endTime":264.08,"body":"all"},{"speaker":"SPEAKER_02","startTime":264.08,"endTime":264.32,"body":"of"},{"speaker":"SPEAKER_02","startTime":264.32,"endTime":264.48,"body":"that,"},{"speaker":"SPEAKER_02","startTime":264.8,"endTime":265.2,"body":"that's"},{"speaker":"SPEAKER_02","startTime":265.36,"endTime":265.52,"body":"right"},{"speaker":"SPEAKER_02","startTime":265.52,"endTime":265.6,"body":"now"},{"speaker":"SPEAKER_02","startTime":265.68,"endTime":265.92,"body":"it's"},{"speaker":"SPEAKER_02","startTime":266.08,"endTime":267.2,"body":"intraditional,"},{"speaker":"SPEAKER_02","startTime":267.6,"endTime":267.92,"body":"to"},{"speaker":"SPEAKER_02","startTime":267.92,"endTime":268.24,"body":"raw"},{"speaker":"SPEAKER_02","startTime":268.32,"endTime":268.88,"body":"thyra."},{"speaker":"SPEAKER_02","startTime":269.28,"endTime":269.44,"body":"And"},{"speaker":"SPEAKER_02","startTime":269.44,"endTime":269.6,"body":"I"},{"speaker":"SPEAKER_02","startTime":269.6,"endTime":270.08,"body":"realize"},{"speaker":"SPEAKER_02","startTime":270.08,"endTime":270.4,"body":"it'll"},{"speaker":"SPEAKER_02","startTime":270.4,"endTime":270.56,"body":"be"},{"speaker":"SPEAKER_02","startTime":270.56,"endTime":270.64,"body":"a"},{"speaker":"SPEAKER_02","startTime":270.64,"endTime":270.96,"body":"big"},{"speaker":"SPEAKER_02","startTime":270.96,"endTime":271.28,"body":"chunk"},{"speaker":"SPEAKER_02","startTime":271.28,"endTime":271.52,"body":"of"},{"speaker":"SPEAKER_02","startTime":271.52,"endTime":272.0,"body":"change."},{"speaker":"SPEAKER_02","startTime":272.24,"endTime":272.4,"body":"Um,"},{"speaker":"SPEAKER_02","startTime":272.64,"endTime":272.8,"body":"first"},{"speaker":"SPEAKER_02","startTime":273.04,"endTime":273.36,"body":"question"},{"speaker":"SPEAKER_02","startTime":273.36,"endTime":273.52,"body":"is"},{"speaker":"SPEAKER_02","startTime":273.76,"endTime":274.0,"body":"is"},{"speaker":"SPEAKER_02","startTime":274.0,"endTime":274.24,"body":"it"},{"speaker":"SPEAKER_02","startTime":274.24,"endTime":274.88,"body":"37%"},{"speaker":"SPEAKER_02","startTime":275.28,"endTime":275.44,"body":"the"},{"speaker":"SPEAKER_02","startTime":275.44,"endTime":276.0,"body":"maximum"},{"speaker":"SPEAKER_02","startTime":276.0,"endTime":276.32,"body":"tax"},{"speaker":"SPEAKER_02","startTime":276.32,"endTime":276.88,"body":"rate?"},{"speaker":"SPEAKER_02","startTime":277.2,"endTime":277.52,"body":"So"},{"speaker":"SPEAKER_02","startTime":278.4,"endTime":278.72,"body":"I"},{"speaker":"SPEAKER_02","startTime":278.72,"endTime":279.28,"body":"understand"},{"speaker":"SPEAKER_02","startTime":279.36,"endTime":279.68,"body":"it's"},{"speaker":"SPEAKER_02","startTime":279.68,"endTime":279.76,"body":"a"},{"speaker":"SPEAKER_02","startTime":279.76,"endTime":280.0,"body":"big"},{"speaker":"SPEAKER_02","startTime":280.0,"endTime":280.4,"body":"chunk"},{"speaker":"SPEAKER_02","startTime":280.4,"endTime":280.56,"body":"to"},{"speaker":"SPEAKER_02","startTime":280.56,"endTime":280.72,"body":"the"},{"speaker":"SPEAKER_02","startTime":280.72,"endTime":281.44,"body":"IRS,"},{"speaker":"SPEAKER_02","startTime":281.6,"endTime":281.92,"body":"but"},{"speaker":"SPEAKER_02","startTime":282.0,"endTime":282.16,"body":"the"},{"speaker":"SPEAKER_02","startTime":282.16,"endTime":282.56,"body":"money"},{"speaker":"SPEAKER_02","startTime":282.56,"endTime":282.72,"body":"then"},{"speaker":"SPEAKER_02","startTime":282.88,"endTime":283.28,"body":"grows"},{"speaker":"SPEAKER_02","startTime":283.28,"endTime":284.16,"body":"tax-free"},{"speaker":"SPEAKER_02","startTime":284.4,"endTime":284.64,"body":"and"},{"speaker":"SPEAKER_02","startTime":284.88,"endTime":285.2,"body":"it"},{"speaker":"SPEAKER_02","startTime":285.2,"endTime":285.6,"body":"probably"},{"speaker":"SPEAKER_02","startTime":285.6,"endTime":286.24,"body":"alleviates"},{"speaker":"SPEAKER_02","startTime":286.24,"endTime":286.4,"body":"the"},{"speaker":"SPEAKER_02","startTime":286.4,"endTime":286.56,"body":"need"},{"speaker":"SPEAKER_02","startTime":286.56,"endTime":286.72,"body":"for"},{"speaker":"SPEAKER_02","startTime":286.88,"endTime":287.04,"body":"an"},{"speaker":"SPEAKER_02","startTime":287.04,"endTime":287.6,"body":"accountant,"},{"speaker":"SPEAKER_02","startTime":287.68,"endTime":287.84,"body":"because"},{"speaker":"SPEAKER_02","startTime":288.08,"endTime":288.32,"body":"it's"},{"speaker":"SPEAKER_02","startTime":288.32,"endTime":288.56,"body":"all"},{"speaker":"SPEAKER_02","startTime":288.56,"endTime":289.28,"body":"tax-free"},{"speaker":"SPEAKER_02","startTime":289.28,"endTime":289.92,"body":"income,"},{"speaker":"SPEAKER_02","startTime":290.4,"endTime":290.72,"body":"and"},{"speaker":"SPEAKER_02","startTime":290.88,"endTime":291.12,"body":"uh"},{"speaker":"SPEAKER_02","startTime":291.28,"endTime":291.6,"body":"no"},{"speaker":"SPEAKER_02","startTime":291.6,"endTime":292.64,"body":"RMDs."},{"speaker":"SPEAKER_02","startTime":292.96,"endTime":293.28,"body":"So"},{"speaker":"SPEAKER_02","startTime":293.6,"endTime":293.92,"body":"it"},{"speaker":"SPEAKER_02","startTime":293.92,"endTime":294.4,"body":"solves"},{"speaker":"SPEAKER_02","startTime":294.4,"endTime":294.48,"body":"a"},{"speaker":"SPEAKER_02","startTime":294.48,"endTime":294.72,"body":"whole"},{"speaker":"SPEAKER_02","startTime":294.72,"endTime":294.96,"body":"bunch"},{"speaker":"SPEAKER_02","startTime":294.96,"endTime":295.04,"body":"of"},{"speaker":"SPEAKER_02","startTime":295.04,"endTime":295.6,"body":"issues."},{"speaker":"SPEAKER_02","startTime":296.0,"endTime":296.32,"body":"And"},{"speaker":"SPEAKER_02","startTime":296.4,"endTime":296.72,"body":"uh"},{"speaker":"SPEAKER_02","startTime":297.12,"endTime":297.44,"body":"I"},{"speaker":"SPEAKER_02","startTime":297.44,"endTime":297.76,"body":"really"},{"speaker":"SPEAKER_02","startTime":297.76,"endTime":298.0,"body":"want"},{"speaker":"SPEAKER_02","startTime":298.0,"endTime":298.24,"body":"to"},{"speaker":"SPEAKER_02","startTime":298.24,"endTime":298.48,"body":"know,"},{"speaker":"SPEAKER_02","startTime":298.88,"endTime":299.12,"body":"is"},{"speaker":"SPEAKER_02","startTime":299.12,"endTime":299.36,"body":"this"},{"speaker":"SPEAKER_02","startTime":299.36,"endTime":299.44,"body":"a"},{"speaker":"SPEAKER_02","startTime":299.44,"endTime":299.76,"body":"smart"},{"speaker":"SPEAKER_02","startTime":299.76,"endTime":300.0,"body":"thing"},{"speaker":"SPEAKER_02","startTime":300.0,"endTime":300.16,"body":"to"},{"speaker":"SPEAKER_02","startTime":300.16,"endTime":300.4,"body":"do?"},{"speaker":"SPEAKER_02","startTime":300.56,"endTime":300.8,"body":"And"},{"speaker":"SPEAKER_02","startTime":301.12,"endTime":301.44,"body":"two,"},{"speaker":"SPEAKER_02","startTime":301.76,"endTime":302.0,"body":"is"},{"speaker":"SPEAKER_02","startTime":302.0,"endTime":302.16,"body":"the"},{"speaker":"SPEAKER_02","startTime":302.16,"endTime":302.4,"body":"tax"},{"speaker":"SPEAKER_02","startTime":302.4,"endTime":302.64,"body":"rate"},{"speaker":"SPEAKER_02","startTime":302.64,"endTime":302.96,"body":"really"},{"speaker":"SPEAKER_02","startTime":302.96,"endTime":303.36,"body":"37%?"},{"speaker":"SPEAKER_02","startTime":304.0,"endTime":304.08,"body":"I"},{"speaker":"SPEAKER_02","startTime":304.08,"endTime":304.24,"body":"mean,"},{"speaker":"SPEAKER_02","startTime":304.32,"endTime":304.48,"body":"that"},{"speaker":"SPEAKER_02","startTime":304.48,"endTime":304.8,"body":"doesn't"},{"speaker":"SPEAKER_02","startTime":304.8,"endTime":305.28,"body":"sound"},{"speaker":"SPEAKER_02","startTime":305.28,"endTime":305.44,"body":"like"},{"speaker":"SPEAKER_02","startTime":305.76,"endTime":306.08,"body":"a"},{"speaker":"SPEAKER_02","startTime":306.08,"endTime":306.4,"body":"lot"},{"speaker":"SPEAKER_02","startTime":306.4,"endTime":307.2,"body":"compared"},{"speaker":"SPEAKER_02","startTime":307.2,"endTime":307.52,"body":"to"},{"speaker":"SPEAKER_02","startTime":307.52,"endTime":307.84,"body":"what"},{"speaker":"SPEAKER_02","startTime":307.84,"endTime":308.16,"body":"I"},{"speaker":"SPEAKER_02","startTime":308.16,"endTime":308.8,"body":"hear,"},{"speaker":"SPEAKER_02","startTime":309.12,"endTime":309.36,"body":"but"},{"speaker":"SPEAKER_02","startTime":309.52,"endTime":309.84,"body":"um"},{"speaker":"SPEAKER_02","startTime":310.32,"endTime":310.8,"body":"that's"},{"speaker":"SPEAKER_02","startTime":310.8,"endTime":310.96,"body":"my"},{"speaker":"SPEAKER_02","startTime":310.96,"endTime":311.52,"body":"ordinary"},{"speaker":"SPEAKER_02","startTime":311.52,"endTime":312.0,"body":"income"},{"speaker":"SPEAKER_02","startTime":312.0,"endTime":312.32,"body":"tax"},{"speaker":"SPEAKER_02","startTime":312.32,"endTime":312.56,"body":"rate,"},{"speaker":"SPEAKER_02","startTime":312.64,"endTime":312.88,"body":"I"},{"speaker":"SPEAKER_02","startTime":312.88,"endTime":313.04,"body":"think,"},{"speaker":"SPEAKER_02","startTime":313.2,"endTime":313.76,"body":"maximum"},{"speaker":"SPEAKER_02","startTime":313.76,"endTime":314.0,"body":"for"},{"speaker":"SPEAKER_02","startTime":314.0,"endTime":314.16,"body":"an"},{"speaker":"SPEAKER_02","startTime":314.16,"endTime":314.88,"body":"individual."},{"speaker":"SPEAKER_02","startTime":315.12,"endTime":315.28,"body":"Uh"},{"speaker":"SPEAKER_02","startTime":315.44,"endTime":315.6,"body":"I"},{"speaker":"SPEAKER_02","startTime":315.6,"endTime":315.84,"body":"did"},{"speaker":"SPEAKER_02","startTime":315.84,"endTime":316.0,"body":"get"},{"speaker":"SPEAKER_02","startTime":316.0,"endTime":316.24,"body":"married,"},{"speaker":"SPEAKER_02","startTime":316.32,"endTime":316.56,"body":"but"},{"speaker":"SPEAKER_02","startTime":316.56,"endTime":316.96,"body":"we'll"},{"speaker":"SPEAKER_02","startTime":316.96,"endTime":317.6,"body":"probably"},{"speaker":"SPEAKER_02","startTime":318.08,"endTime":318.64,"body":"file"},{"speaker":"SPEAKER_02","startTime":318.64,"endTime":319.44,"body":"independently"},{"speaker":"SPEAKER_02","startTime":319.68,"endTime":320.0,"body":"our"},{"speaker":"SPEAKER_02","startTime":320.0,"endTime":320.48,"body":"taxes,"},{"speaker":"SPEAKER_02","startTime":320.56,"endTime":320.8,"body":"so"},{"speaker":"SPEAKER_02","startTime":320.8,"endTime":320.96,"body":"it"},{"speaker":"SPEAKER_02","startTime":320.96,"endTime":321.36,"body":"won't"},{"speaker":"SPEAKER_02","startTime":321.36,"endTime":322.0,"body":"impact"},{"speaker":"SPEAKER_02","startTime":322.8,"endTime":323.04,"body":"my"},{"speaker":"SPEAKER_02","startTime":323.04,"endTime":323.36,"body":"spouse."},{"speaker":"SPEAKER_01","startTime":323.84,"endTime":323.92,"body":"Oh"},{"speaker":"SPEAKER_01","startTime":324.0,"endTime":324.16,"body":"my"},{"speaker":"SPEAKER_01","startTime":324.16,"endTime":324.4,"body":"gosh,"},{"speaker":"SPEAKER_01","startTime":324.48,"endTime":324.56,"body":"you"},{"speaker":"SPEAKER_01","startTime":324.56,"endTime":324.72,"body":"need"},{"speaker":"SPEAKER_01","startTime":324.72,"endTime":324.88,"body":"some"},{"speaker":"SPEAKER_01","startTime":324.88,"endTime":325.2,"body":"planning."},{"speaker":"SPEAKER_01","startTime":325.36,"endTime":325.44,"body":"Oh"},{"speaker":"SPEAKER_01","startTime":325.6,"endTime":325.76,"body":"my"},{"speaker":"SPEAKER_01","startTime":325.76,"endTime":326.08,"body":"goodness"},{"speaker":"SPEAKER_01","startTime":326.16,"endTime":326.48,"body":"gracious"},{"speaker":"SPEAKER_01","startTime":326.56,"endTime":326.72,"body":"sakes"},{"speaker":"SPEAKER_01","startTime":326.96,"endTime":327.28,"body":"alive."},{"speaker":"SPEAKER_01","startTime":327.44,"endTime":327.76,"body":"You"},{"speaker":"SPEAKER_01","startTime":327.76,"endTime":328.0,"body":"need"},{"speaker":"SPEAKER_01","startTime":328.0,"endTime":328.24,"body":"uh"},{"speaker":"SPEAKER_01","startTime":328.24,"endTime":328.56,"body":"some"},{"speaker":"SPEAKER_01","startTime":328.56,"endTime":329.2,"body":"financial"},{"speaker":"SPEAKER_01","startTime":329.2,"endTime":329.52,"body":"help"},{"speaker":"SPEAKER_01","startTime":329.52,"endTime":329.76,"body":"from"},{"speaker":"SPEAKER_01","startTime":329.76,"endTime":330.32,"body":"someone"},{"speaker":"SPEAKER_01","startTime":330.32,"endTime":330.56,"body":"who"},{"speaker":"SPEAKER_01","startTime":330.56,"endTime":330.8,"body":"is"},{"speaker":"SPEAKER_01","startTime":330.8,"endTime":331.44,"body":"experienced"},{"speaker":"SPEAKER_01","startTime":331.44,"endTime":331.68,"body":"at"},{"speaker":"SPEAKER_01","startTime":331.68,"endTime":332.16,"body":"financial"},{"speaker":"SPEAKER_01","startTime":332.16,"endTime":332.72,"body":"planning"},{"speaker":"SPEAKER_01","startTime":332.72,"endTime":333.04,"body":"and"},{"speaker":"SPEAKER_01","startTime":333.04,"endTime":333.68,"body":"taxes,"},{"speaker":"SPEAKER_01","startTime":333.92,"endTime":334.24,"body":"because"},{"speaker":"SPEAKER_01","startTime":334.4,"endTime":334.64,"body":"I"},{"speaker":"SPEAKER_01","startTime":334.64,"endTime":334.96,"body":"heard"},{"speaker":"SPEAKER_01","startTime":334.96,"endTime":335.12,"body":"you"},{"speaker":"SPEAKER_01","startTime":335.12,"endTime":335.2,"body":"say"},{"speaker":"SPEAKER_01","startTime":335.36,"endTime":335.76,"body":"married"},{"speaker":"SPEAKER_01","startTime":335.84,"endTime":336.32,"body":"filing"},{"speaker":"SPEAKER_01","startTime":336.32,"endTime":336.8,"body":"separately."},{"speaker":"SPEAKER_01","startTime":336.96,"endTime":337.28,"body":"That"},{"speaker":"SPEAKER_01","startTime":337.28,"endTime":337.6,"body":"tends"},{"speaker":"SPEAKER_01","startTime":337.6,"endTime":337.76,"body":"to"},{"speaker":"SPEAKER_01","startTime":337.76,"endTime":337.92,"body":"be"},{"speaker":"SPEAKER_01","startTime":337.92,"endTime":338.16,"body":"a"},{"speaker":"SPEAKER_01","startTime":338.16,"endTime":338.96,"body":"disaster."},{"speaker":"SPEAKER_01","startTime":339.2,"endTime":339.44,"body":"Uh"},{"speaker":"SPEAKER_01","startTime":339.68,"endTime":340.0,"body":"that"},{"speaker":"SPEAKER_01","startTime":340.0,"endTime":340.32,"body":"just"},{"speaker":"SPEAKER_01","startTime":340.4,"endTime":340.72,"body":"makes"},{"speaker":"SPEAKER_01","startTime":340.72,"endTime":340.96,"body":"both"},{"speaker":"SPEAKER_01","startTime":340.96,"endTime":341.12,"body":"of"},{"speaker":"SPEAKER_01","startTime":341.12,"endTime":341.36,"body":"you"},{"speaker":"SPEAKER_01","startTime":341.36,"endTime":341.84,"body":"pay"},{"speaker":"SPEAKER_01","startTime":341.84,"endTime":342.16,"body":"more."},{"speaker":"SPEAKER_01","startTime":342.8,"endTime":343.2,"body":"I'd"},{"speaker":"SPEAKER_01","startTime":343.2,"endTime":343.36,"body":"have"},{"speaker":"SPEAKER_01","startTime":343.36,"endTime":343.44,"body":"an"},{"speaker":"SPEAKER_01","startTime":343.44,"endTime":343.92,"body":"accountant"},{"speaker":"SPEAKER_01","startTime":343.92,"endTime":344.16,"body":"look"},{"speaker":"SPEAKER_01","startTime":344.16,"endTime":344.4,"body":"at"},{"speaker":"SPEAKER_01","startTime":344.4,"endTime":344.56,"body":"that."},{"speaker":"SPEAKER_01","startTime":344.72,"endTime":344.88,"body":"Um,"},{"speaker":"SPEAKER_01","startTime":345.12,"endTime":345.36,"body":"and"},{"speaker":"SPEAKER_01","startTime":345.36,"endTime":345.68,"body":"the"},{"speaker":"SPEAKER_01","startTime":345.68,"endTime":346.08,"body":"rip"},{"speaker":"SPEAKER_01","startTime":346.08,"endTime":346.24,"body":"the"},{"speaker":"SPEAKER_01","startTime":346.24,"endTime":346.56,"body":"band-aid"},{"speaker":"SPEAKER_01","startTime":346.8,"endTime":346.96,"body":"off"},{"speaker":"SPEAKER_01","startTime":347.12,"endTime":347.6,"body":"approach,"},{"speaker":"SPEAKER_01","startTime":347.76,"endTime":348.08,"body":"oh"},{"speaker":"SPEAKER_01","startTime":348.4,"endTime":349.04,"body":"wow."},{"speaker":"SPEAKER_01","startTime":349.44,"endTime":349.68,"body":"I"},{"speaker":"SPEAKER_01","startTime":349.68,"endTime":350.08,"body":"mean,"},{"speaker":"SPEAKER_01","startTime":350.24,"endTime":350.48,"body":"yeah,"},{"speaker":"SPEAKER_01","startTime":350.72,"endTime":351.36,"body":"37%"},{"speaker":"SPEAKER_01","startTime":351.68,"endTime":351.84,"body":"is"},{"speaker":"SPEAKER_01","startTime":351.84,"endTime":352.08,"body":"the"},{"speaker":"SPEAKER_01","startTime":352.08,"endTime":352.48,"body":"top"},{"speaker":"SPEAKER_01","startTime":352.48,"endTime":353.12,"body":"bracket."},{"speaker":"SPEAKER_01","startTime":354.72,"endTime":355.04,"body":"But"},{"speaker":"SPEAKER_01","startTime":355.6,"endTime":356.32,"body":"37%"},{"speaker":"SPEAKER_01","startTime":356.64,"endTime":356.88,"body":"on"},{"speaker":"SPEAKER_01","startTime":356.88,"endTime":357.6,"body":"$4.1"},{"speaker":"SPEAKER_01","startTime":357.6,"endTime":357.92,"body":"million,"},{"speaker":"SPEAKER_01","startTime":358.32,"endTime":358.48,"body":"and"},{"speaker":"SPEAKER_01","startTime":358.48,"endTime":358.64,"body":"you"},{"speaker":"SPEAKER_01","startTime":358.64,"endTime":358.88,"body":"didn't"},{"speaker":"SPEAKER_01","startTime":358.88,"endTime":359.12,"body":"say"},{"speaker":"SPEAKER_01","startTime":359.12,"endTime":359.28,"body":"where"},{"speaker":"SPEAKER_01","startTime":359.28,"endTime":359.52,"body":"you"},{"speaker":"SPEAKER_01","startTime":359.52,"endTime":359.68,"body":"are."},{"speaker":"SPEAKER_01","startTime":359.84,"endTime":360.0,"body":"So"},{"speaker":"SPEAKER_01","startTime":360.08,"endTime":360.24,"body":"if"},{"speaker":"SPEAKER_01","startTime":360.24,"endTime":360.4,"body":"you're"},{"speaker":"SPEAKER_01","startTime":360.4,"endTime":360.56,"body":"in"},{"speaker":"SPEAKER_01","startTime":360.56,"endTime":360.8,"body":"a"},{"speaker":"SPEAKER_01","startTime":360.8,"endTime":361.12,"body":"state"},{"speaker":"SPEAKER_01","startTime":361.12,"endTime":361.44,"body":"tax"},{"speaker":"SPEAKER_01","startTime":361.44,"endTime":361.76,"body":"place,"},{"speaker":"SPEAKER_01","startTime":362.0,"endTime":362.24,"body":"could"},{"speaker":"SPEAKER_01","startTime":362.24,"endTime":362.4,"body":"be"},{"speaker":"SPEAKER_01","startTime":362.4,"endTime":362.56,"body":"even"},{"speaker":"SPEAKER_01","startTime":362.56,"endTime":362.8,"body":"worse."},{"speaker":"SPEAKER_01","startTime":362.88,"endTime":363.04,"body":"You"},{"speaker":"SPEAKER_01","startTime":363.04,"endTime":363.2,"body":"could"},{"speaker":"SPEAKER_01","startTime":363.2,"endTime":363.28,"body":"be"},{"speaker":"SPEAKER_01","startTime":363.28,"endTime":363.6,"body":"giving"},{"speaker":"SPEAKER_01","startTime":363.6,"endTime":363.76,"body":"up"},{"speaker":"SPEAKER_01","startTime":363.76,"endTime":364.08,"body":"almost"},{"speaker":"SPEAKER_01","startTime":364.08,"endTime":364.4,"body":"half"},{"speaker":"SPEAKER_01","startTime":364.4,"endTime":364.56,"body":"your"},{"speaker":"SPEAKER_01","startTime":364.56,"endTime":364.96,"body":"money"},{"speaker":"SPEAKER_01","startTime":364.96,"endTime":365.12,"body":"to"},{"speaker":"SPEAKER_01","startTime":365.12,"endTime":365.36,"body":"the"},{"speaker":"SPEAKER_01","startTime":365.76,"endTime":366.64,"body":"governments."},{"speaker":"SPEAKER_01","startTime":367.44,"endTime":367.76,"body":"And"},{"speaker":"SPEAKER_01","startTime":367.76,"endTime":368.0,"body":"then"},{"speaker":"SPEAKER_01","startTime":368.0,"endTime":368.48,"body":"there's"},{"speaker":"SPEAKER_01","startTime":368.48,"endTime":368.72,"body":"that"},{"speaker":"SPEAKER_01","startTime":368.72,"endTime":369.68,"body":"3.8"},{"speaker":"SPEAKER_01","startTime":370.0,"endTime":370.96,"body":"investment"},{"speaker":"SPEAKER_01","startTime":370.96,"endTime":371.28,"body":"tax"},{"speaker":"SPEAKER_01","startTime":371.6,"endTime":371.92,"body":"that"},{"speaker":"SPEAKER_01","startTime":371.92,"endTime":372.48,"body":"kicks"},{"speaker":"SPEAKER_01","startTime":372.48,"endTime":372.72,"body":"in"},{"speaker":"SPEAKER_01","startTime":372.72,"endTime":372.96,"body":"over"},{"speaker":"SPEAKER_01","startTime":372.96,"endTime":374.16,"body":"$125,000"},{"speaker":"SPEAKER_01","startTime":374.32,"endTime":374.48,"body":"if"},{"speaker":"SPEAKER_01","startTime":374.48,"endTime":374.72,"body":"you're"},{"speaker":"SPEAKER_01","startTime":374.72,"endTime":374.96,"body":"married"},{"speaker":"SPEAKER_01","startTime":375.12,"endTime":375.52,"body":"filing"},{"speaker":"SPEAKER_01","startTime":375.52,"endTime":375.84,"body":"singly."},{"speaker":"SPEAKER_01","startTime":375.92,"endTime":376.0,"body":"So"},{"speaker":"SPEAKER_01","startTime":376.08,"endTime":376.24,"body":"you're"},{"speaker":"SPEAKER_01","startTime":376.24,"endTime":376.4,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":376.4,"endTime":376.64,"body":"have"},{"speaker":"SPEAKER_01","startTime":376.64,"endTime":376.88,"body":"have"},{"speaker":"SPEAKER_01","startTime":376.88,"endTime":377.2,"body":"that"},{"speaker":"SPEAKER_01","startTime":377.2,"endTime":377.52,"body":"on"},{"speaker":"SPEAKER_01","startTime":377.52,"endTime":377.84,"body":"any"},{"speaker":"SPEAKER_01","startTime":377.84,"endTime":378.08,"body":"other"},{"speaker":"SPEAKER_01","startTime":378.16,"endTime":378.32,"body":"in"},{"speaker":"SPEAKER_01","startTime":378.48,"endTime":378.8,"body":"any"},{"speaker":"SPEAKER_01","startTime":378.8,"endTime":379.28,"body":"investment"},{"speaker":"SPEAKER_01","startTime":379.52,"endTime":379.68,"body":"uh"},{"speaker":"SPEAKER_01","startTime":379.84,"endTime":380.24,"body":"income"},{"speaker":"SPEAKER_01","startTime":380.24,"endTime":380.4,"body":"or"},{"speaker":"SPEAKER_01","startTime":380.4,"endTime":380.88,"body":"capital"},{"speaker":"SPEAKER_01","startTime":380.88,"endTime":381.52,"body":"gains."},{"speaker":"SPEAKER_01","startTime":382.64,"endTime":382.88,"body":"Uh"},{"speaker":"SPEAKER_01","startTime":383.12,"endTime":383.28,"body":"you"},{"speaker":"SPEAKER_01","startTime":383.44,"endTime":383.68,"body":"got"},{"speaker":"SPEAKER_01","startTime":383.68,"endTime":383.84,"body":"to"},{"speaker":"SPEAKER_01","startTime":383.84,"endTime":384.16,"body":"think"},{"speaker":"SPEAKER_01","startTime":384.16,"endTime":384.4,"body":"this"},{"speaker":"SPEAKER_01","startTime":384.4,"endTime":384.64,"body":"out."},{"speaker":"SPEAKER_01","startTime":384.88,"endTime":385.2,"body":"You"},{"speaker":"SPEAKER_01","startTime":385.2,"endTime":385.52,"body":"really,"},{"speaker":"SPEAKER_01","startTime":385.84,"endTime":386.0,"body":"with"},{"speaker":"SPEAKER_01","startTime":386.16,"endTime":386.4,"body":"if"},{"speaker":"SPEAKER_01","startTime":386.4,"endTime":386.56,"body":"you"},{"speaker":"SPEAKER_01","startTime":386.56,"endTime":386.72,"body":"have"},{"speaker":"SPEAKER_01","startTime":386.72,"endTime":387.04,"body":"that"},{"speaker":"SPEAKER_01","startTime":387.04,"endTime":387.36,"body":"much"},{"speaker":"SPEAKER_01","startTime":387.36,"endTime":387.92,"body":"money,"},{"speaker":"SPEAKER_01","startTime":388.24,"endTime":388.56,"body":"you"},{"speaker":"SPEAKER_01","startTime":388.88,"endTime":389.2,"body":"can"},{"speaker":"SPEAKER_01","startTime":389.2,"endTime":389.52,"body":"and"},{"speaker":"SPEAKER_01","startTime":389.76,"endTime":390.32,"body":"must"},{"speaker":"SPEAKER_01","startTime":390.32,"endTime":390.88,"body":"pay"},{"speaker":"SPEAKER_01","startTime":390.88,"endTime":391.44,"body":"someone"},{"speaker":"SPEAKER_01","startTime":391.44,"endTime":391.68,"body":"to"},{"speaker":"SPEAKER_01","startTime":391.68,"endTime":391.84,"body":"do"},{"speaker":"SPEAKER_01","startTime":391.84,"endTime":392.08,"body":"a"},{"speaker":"SPEAKER_01","startTime":392.08,"endTime":392.4,"body":"tax"},{"speaker":"SPEAKER_01","startTime":392.4,"endTime":392.64,"body":"plan."},{"speaker":"SPEAKER_01","startTime":392.88,"endTime":393.2,"body":"This"},{"speaker":"SPEAKER_01","startTime":393.2,"endTime":393.92,"body":"sounds,"},{"speaker":"SPEAKER_01","startTime":394.16,"endTime":394.32,"body":"on"},{"speaker":"SPEAKER_01","startTime":394.32,"endTime":394.48,"body":"the"},{"speaker":"SPEAKER_01","startTime":394.48,"endTime":394.72,"body":"face"},{"speaker":"SPEAKER_01","startTime":394.72,"endTime":394.88,"body":"of"},{"speaker":"SPEAKER_01","startTime":394.88,"endTime":394.96,"body":"it,"},{"speaker":"SPEAKER_01","startTime":395.12,"endTime":395.2,"body":"a"},{"speaker":"SPEAKER_01","startTime":395.2,"endTime":395.36,"body":"little"},{"speaker":"SPEAKER_01","startTime":395.36,"endTime":395.84,"body":"foolish,"},{"speaker":"SPEAKER_01","startTime":395.92,"endTime":396.08,"body":"but"},{"speaker":"SPEAKER_01","startTime":396.08,"endTime":396.16,"body":"I"},{"speaker":"SPEAKER_01","startTime":396.16,"endTime":396.32,"body":"don't"},{"speaker":"SPEAKER_01","startTime":396.32,"endTime":396.48,"body":"know"},{"speaker":"SPEAKER_01","startTime":396.48,"endTime":396.64,"body":"all"},{"speaker":"SPEAKER_01","startTime":396.64,"endTime":396.8,"body":"the"},{"speaker":"SPEAKER_01","startTime":396.8,"endTime":397.04,"body":"other"},{"speaker":"SPEAKER_01","startTime":397.04,"endTime":397.44,"body":"details"},{"speaker":"SPEAKER_01","startTime":397.44,"endTime":397.6,"body":"of"},{"speaker":"SPEAKER_01","startTime":397.6,"endTime":397.84,"body":"your"},{"speaker":"SPEAKER_01","startTime":397.84,"endTime":398.16,"body":"life."},{"speaker":"SPEAKER_01","startTime":398.4,"endTime":398.64,"body":"But"},{"speaker":"SPEAKER_01","startTime":398.64,"endTime":398.88,"body":"you"},{"speaker":"SPEAKER_01","startTime":398.88,"endTime":399.2,"body":"really,"},{"speaker":"SPEAKER_01","startTime":399.28,"endTime":399.44,"body":"you,"},{"speaker":"SPEAKER_01","startTime":399.6,"endTime":399.92,"body":"you"},{"speaker":"SPEAKER_01","startTime":399.92,"endTime":400.16,"body":"need"},{"speaker":"SPEAKER_01","startTime":400.48,"endTime":400.8,"body":"really"},{"speaker":"SPEAKER_01","startTime":400.8,"endTime":401.92,"body":"in-depth"},{"speaker":"SPEAKER_01","startTime":401.92,"endTime":402.16,"body":"work."},{"speaker":"SPEAKER_01","startTime":402.4,"endTime":402.8,"body":"Somebody"},{"speaker":"SPEAKER_01","startTime":402.8,"endTime":402.96,"body":"who"},{"speaker":"SPEAKER_01","startTime":402.96,"endTime":403.12,"body":"can"},{"speaker":"SPEAKER_01","startTime":403.12,"endTime":403.28,"body":"go"},{"speaker":"SPEAKER_01","startTime":403.28,"endTime":403.44,"body":"over"},{"speaker":"SPEAKER_01","startTime":403.44,"endTime":403.52,"body":"the"},{"speaker":"SPEAKER_01","startTime":403.52,"endTime":403.76,"body":"whole"},{"speaker":"SPEAKER_01","startTime":403.76,"endTime":404.4,"body":"portfolio,"},{"speaker":"SPEAKER_01","startTime":404.48,"endTime":404.64,"body":"the"},{"speaker":"SPEAKER_01","startTime":404.64,"endTime":404.96,"body":"whole"},{"speaker":"SPEAKER_01","startTime":404.96,"endTime":405.28,"body":"tax"},{"speaker":"SPEAKER_01","startTime":405.28,"endTime":405.92,"body":"situation,"},{"speaker":"SPEAKER_01","startTime":406.24,"endTime":406.56,"body":"and"},{"speaker":"SPEAKER_01","startTime":406.56,"endTime":406.88,"body":"then"},{"speaker":"SPEAKER_01","startTime":407.12,"endTime":407.44,"body":"kind"},{"speaker":"SPEAKER_01","startTime":407.44,"endTime":407.76,"body":"of"},{"speaker":"SPEAKER_01","startTime":407.76,"endTime":409.12,"body":"extrapolate"},{"speaker":"SPEAKER_01","startTime":409.12,"endTime":409.44,"body":"out"},{"speaker":"SPEAKER_01","startTime":409.44,"endTime":410.08,"body":"decades"},{"speaker":"SPEAKER_01","startTime":410.08,"endTime":410.32,"body":"into"},{"speaker":"SPEAKER_01","startTime":410.32,"endTime":410.48,"body":"the"},{"speaker":"SPEAKER_01","startTime":410.48,"endTime":410.72,"body":"future"},{"speaker":"SPEAKER_01","startTime":410.8,"endTime":410.96,"body":"because"},{"speaker":"SPEAKER_01","startTime":410.96,"endTime":411.2,"body":"you're"},{"speaker":"SPEAKER_01","startTime":411.2,"endTime":411.76,"body":"61."},{"speaker":"SPEAKER_01","startTime":411.84,"endTime":411.92,"body":"You"},{"speaker":"SPEAKER_01","startTime":411.92,"endTime":412.16,"body":"won't"},{"speaker":"SPEAKER_01","startTime":412.16,"endTime":412.24,"body":"be"},{"speaker":"SPEAKER_01","startTime":412.48,"endTime":412.72,"body":"getting"},{"speaker":"SPEAKER_01","startTime":412.72,"endTime":412.88,"body":"hit"},{"speaker":"SPEAKER_01","startTime":412.88,"endTime":413.04,"body":"with"},{"speaker":"SPEAKER_01","startTime":413.04,"endTime":413.68,"body":"RMDs"},{"speaker":"SPEAKER_01","startTime":413.68,"endTime":413.92,"body":"until"},{"speaker":"SPEAKER_01","startTime":413.92,"endTime":414.32,"body":"you're"},{"speaker":"SPEAKER_01","startTime":414.32,"endTime":416.08,"body":"73"},{"speaker":"SPEAKER_01","startTime":416.4,"endTime":416.72,"body":"or"},{"speaker":"SPEAKER_01","startTime":416.72,"endTime":417.36,"body":"5."},{"speaker":"SPEAKER_01","startTime":417.6,"endTime":417.84,"body":"I"},{"speaker":"SPEAKER_01","startTime":417.84,"endTime":418.08,"body":"don't"},{"speaker":"SPEAKER_01","startTime":418.08,"endTime":418.4,"body":"remember"},{"speaker":"SPEAKER_01","startTime":418.4,"endTime":418.64,"body":"what"},{"speaker":"SPEAKER_01","startTime":418.64,"endTime":418.72,"body":"the"},{"speaker":"SPEAKER_01","startTime":418.72,"endTime":419.12,"body":"rule"},{"speaker":"SPEAKER_01","startTime":419.12,"endTime":419.28,"body":"is"},{"speaker":"SPEAKER_01","startTime":419.28,"endTime":419.44,"body":"for"},{"speaker":"SPEAKER_01","startTime":419.44,"endTime":419.68,"body":"you"},{"speaker":"SPEAKER_01","startTime":419.68,"endTime":420.32,"body":"youngsters"},{"speaker":"SPEAKER_01","startTime":420.32,"endTime":420.48,"body":"at"},{"speaker":"SPEAKER_01","startTime":420.48,"endTime":421.2,"body":"61,"},{"speaker":"SPEAKER_01","startTime":421.36,"endTime":421.52,"body":"but"},{"speaker":"SPEAKER_01","startTime":421.52,"endTime":421.68,"body":"at"},{"speaker":"SPEAKER_01","startTime":421.68,"endTime":421.92,"body":"least"},{"speaker":"SPEAKER_01","startTime":421.92,"endTime":422.64,"body":"73."},{"speaker":"SPEAKER_01","startTime":423.12,"endTime":423.44,"body":"Um"},{"speaker":"SPEAKER_01","startTime":424.8,"endTime":425.12,"body":"no,"},{"speaker":"SPEAKER_01","startTime":425.28,"endTime":425.52,"body":"no,"},{"speaker":"SPEAKER_01","startTime":425.68,"endTime":425.84,"body":"no,"},{"speaker":"SPEAKER_01","startTime":425.92,"endTime":426.08,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":426.24,"endTime":426.56,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":426.56,"endTime":426.72,"body":"not,"},{"speaker":"SPEAKER_01","startTime":426.88,"endTime":427.12,"body":"no,"},{"speaker":"SPEAKER_01","startTime":427.28,"endTime":427.52,"body":"not"},{"speaker":"SPEAKER_01","startTime":427.52,"endTime":427.76,"body":"a"},{"speaker":"SPEAKER_01","startTime":427.76,"endTime":428.08,"body":"fan."},{"speaker":"SPEAKER_01","startTime":428.32,"endTime":429.04,"body":"Definitely"},{"speaker":"SPEAKER_01","startTime":429.04,"endTime":429.2,"body":"not"},{"speaker":"SPEAKER_01","startTime":429.2,"endTime":429.52,"body":"a"},{"speaker":"SPEAKER_01","startTime":429.52,"endTime":429.92,"body":"fan."},{"speaker":"SPEAKER_01","startTime":430.24,"endTime":430.8,"body":"Maybe"},{"speaker":"SPEAKER_01","startTime":430.8,"endTime":431.04,"body":"doing"},{"speaker":"SPEAKER_01","startTime":431.04,"endTime":431.2,"body":"it"},{"speaker":"SPEAKER_01","startTime":431.2,"endTime":431.6,"body":"slowly,"},{"speaker":"SPEAKER_01","startTime":431.68,"endTime":431.84,"body":"and"},{"speaker":"SPEAKER_01","startTime":431.84,"endTime":432.24,"body":"that's"},{"speaker":"SPEAKER_01","startTime":432.24,"endTime":432.4,"body":"only"},{"speaker":"SPEAKER_01","startTime":432.4,"endTime":432.64,"body":"if"},{"speaker":"SPEAKER_01","startTime":432.64,"endTime":432.8,"body":"you"},{"speaker":"SPEAKER_01","startTime":432.8,"endTime":433.36,"body":"expect"},{"speaker":"SPEAKER_01","startTime":433.36,"endTime":433.68,"body":"your"},{"speaker":"SPEAKER_01","startTime":433.68,"endTime":434.0,"body":"tax"},{"speaker":"SPEAKER_01","startTime":434.0,"endTime":434.56,"body":"bracket"},{"speaker":"SPEAKER_01","startTime":434.56,"endTime":434.8,"body":"in"},{"speaker":"SPEAKER_01","startTime":434.8,"endTime":435.12,"body":"the"},{"speaker":"SPEAKER_01","startTime":435.12,"endTime":435.76,"body":"future"},{"speaker":"SPEAKER_01","startTime":436.56,"endTime":436.8,"body":"to"},{"speaker":"SPEAKER_01","startTime":436.8,"endTime":436.96,"body":"be"},{"speaker":"SPEAKER_01","startTime":436.96,"endTime":437.44,"body":"higher"},{"speaker":"SPEAKER_01","startTime":437.44,"endTime":437.6,"body":"than"},{"speaker":"SPEAKER_01","startTime":437.6,"endTime":437.84,"body":"your"},{"speaker":"SPEAKER_01","startTime":437.84,"endTime":438.16,"body":"tax"},{"speaker":"SPEAKER_01","startTime":438.16,"endTime":438.56,"body":"bracket"},{"speaker":"SPEAKER_01","startTime":438.88,"endTime":439.2,"body":"now."},{"speaker":"SPEAKER_01","startTime":440.08,"endTime":440.32,"body":"But"},{"speaker":"SPEAKER_01","startTime":440.32,"endTime":440.48,"body":"I"},{"speaker":"SPEAKER_01","startTime":440.48,"endTime":440.88,"body":"don't"},{"speaker":"SPEAKER_01","startTime":440.88,"endTime":441.04,"body":"see"},{"speaker":"SPEAKER_01","startTime":441.04,"endTime":441.28,"body":"many"},{"speaker":"SPEAKER_01","startTime":441.28,"endTime":441.84,"body":"scenarios"},{"speaker":"SPEAKER_01","startTime":441.84,"endTime":442.0,"body":"in"},{"speaker":"SPEAKER_01","startTime":442.0,"endTime":442.16,"body":"which"},{"speaker":"SPEAKER_01","startTime":442.24,"endTime":442.48,"body":"with"},{"speaker":"SPEAKER_01","startTime":442.48,"endTime":442.56,"body":"the"},{"speaker":"SPEAKER_01","startTime":442.56,"endTime":443.12,"body":"conversions"},{"speaker":"SPEAKER_01","startTime":443.2,"endTime":443.36,"body":"your"},{"speaker":"SPEAKER_01","startTime":443.36,"endTime":443.84,"body":"brackets"},{"speaker":"SPEAKER_01","startTime":443.84,"endTime":444.08,"body":"are"},{"speaker":"SPEAKER_01","startTime":444.08,"endTime":444.24,"body":"going"},{"speaker":"SPEAKER_01","startTime":444.24,"endTime":444.4,"body":"to"},{"speaker":"SPEAKER_01","startTime":444.4,"endTime":444.64,"body":"be"},{"speaker":"SPEAKER_01","startTime":444.64,"endTime":445.2,"body":"lower"},{"speaker":"SPEAKER_01","startTime":445.2,"endTime":445.44,"body":"now"},{"speaker":"SPEAKER_01","startTime":445.44,"endTime":445.68,"body":"than"},{"speaker":"SPEAKER_01","startTime":445.68,"endTime":445.84,"body":"in"},{"speaker":"SPEAKER_01","startTime":445.84,"endTime":446.16,"body":"the"},{"speaker":"SPEAKER_01","startTime":446.16,"endTime":446.64,"body":"future."},{"speaker":"SPEAKER_01","startTime":446.96,"endTime":447.92,"body":"RMDs"},{"speaker":"SPEAKER_01","startTime":447.92,"endTime":448.56,"body":"aren't"},{"speaker":"SPEAKER_01","startTime":448.56,"endTime":449.2,"body":"bad."},{"speaker":"SPEAKER_01","startTime":449.44,"endTime":449.84,"body":"They're"},{"speaker":"SPEAKER_01","startTime":449.84,"endTime":450.08,"body":"not"},{"speaker":"SPEAKER_01","startTime":450.08,"endTime":451.12,"body":"inherently"},{"speaker":"SPEAKER_01","startTime":451.12,"endTime":451.68,"body":"bad."},{"speaker":"SPEAKER_01","startTime":451.92,"endTime":452.0,"body":"Uh"},{"speaker":"SPEAKER_01","startTime":452.16,"endTime":452.24,"body":"they"},{"speaker":"SPEAKER_01","startTime":452.48,"endTime":452.64,"body":"just"},{"speaker":"SPEAKER_01","startTime":452.64,"endTime":452.96,"body":"force"},{"speaker":"SPEAKER_01","startTime":452.96,"endTime":453.12,"body":"you"},{"speaker":"SPEAKER_01","startTime":453.12,"endTime":453.2,"body":"to"},{"speaker":"SPEAKER_01","startTime":453.2,"endTime":453.36,"body":"take"},{"speaker":"SPEAKER_01","startTime":453.36,"endTime":453.68,"body":"money"},{"speaker":"SPEAKER_01","startTime":453.68,"endTime":453.84,"body":"out,"},{"speaker":"SPEAKER_01","startTime":453.92,"endTime":454.08,"body":"but"},{"speaker":"SPEAKER_01","startTime":454.08,"endTime":454.32,"body":"it's"},{"speaker":"SPEAKER_01","startTime":454.32,"endTime":454.48,"body":"over"},{"speaker":"SPEAKER_01","startTime":454.48,"endTime":454.64,"body":"your"},{"speaker":"SPEAKER_01","startTime":454.64,"endTime":455.04,"body":"life"},{"speaker":"SPEAKER_01","startTime":455.04,"endTime":456.16,"body":"expectancy."},{"speaker":"SPEAKER_01","startTime":456.48,"endTime":457.04,"body":"It's"},{"speaker":"SPEAKER_01","startTime":457.04,"endTime":457.28,"body":"not"},{"speaker":"SPEAKER_01","startTime":457.28,"endTime":457.52,"body":"a"},{"speaker":"SPEAKER_01","startTime":457.52,"endTime":457.92,"body":"bunch"},{"speaker":"SPEAKER_01","startTime":457.92,"endTime":458.24,"body":"all"},{"speaker":"SPEAKER_01","startTime":458.24,"endTime":458.48,"body":"at"},{"speaker":"SPEAKER_01","startTime":458.48,"endTime":458.96,"body":"once."},{"speaker":"SPEAKER_01","startTime":459.28,"endTime":459.52,"body":"No,"},{"speaker":"SPEAKER_01","startTime":459.6,"endTime":459.76,"body":"no,"},{"speaker":"SPEAKER_01","startTime":459.84,"endTime":460.0,"body":"no,"},{"speaker":"SPEAKER_01","startTime":460.08,"endTime":460.24,"body":"no,"},{"speaker":"SPEAKER_01","startTime":460.32,"endTime":460.48,"body":"no."},{"speaker":"SPEAKER_01","startTime":460.64,"endTime":460.88,"body":"No."},{"speaker":"SPEAKER_01","startTime":462.32,"endTime":462.48,"body":"If"},{"speaker":"SPEAKER_01","startTime":462.48,"endTime":462.72,"body":"there"},{"speaker":"SPEAKER_01","startTime":462.72,"endTime":462.88,"body":"was"},{"speaker":"SPEAKER_01","startTime":462.88,"endTime":463.12,"body":"ever"},{"speaker":"SPEAKER_01","startTime":463.12,"endTime":463.52,"body":"anyone"},{"speaker":"SPEAKER_01","startTime":463.52,"endTime":463.68,"body":"who"},{"speaker":"SPEAKER_01","startTime":463.68,"endTime":464.0,"body":"needed"},{"speaker":"SPEAKER_01","startTime":464.0,"endTime":464.08,"body":"a"},{"speaker":"SPEAKER_01","startTime":464.08,"endTime":464.64,"body":"professional"},{"speaker":"SPEAKER_01","startTime":464.64,"endTime":464.8,"body":"to"},{"speaker":"SPEAKER_01","startTime":464.8,"endTime":465.2,"body":"guide"},{"speaker":"SPEAKER_01","startTime":465.2,"endTime":465.52,"body":"you"},{"speaker":"SPEAKER_01","startTime":465.52,"endTime":465.84,"body":"in"},{"speaker":"SPEAKER_01","startTime":465.84,"endTime":466.16,"body":"this"},{"speaker":"SPEAKER_01","startTime":466.16,"endTime":466.8,"body":"particular"},{"speaker":"SPEAKER_01","startTime":466.8,"endTime":467.36,"body":"scenario,"},{"speaker":"SPEAKER_01","startTime":467.6,"endTime":467.68,"body":"I"},{"speaker":"SPEAKER_01","startTime":467.68,"endTime":468.0,"body":"don't"},{"speaker":"SPEAKER_01","startTime":468.0,"endTime":468.24,"body":"know"},{"speaker":"SPEAKER_01","startTime":468.24,"endTime":468.56,"body":"about"},{"speaker":"SPEAKER_01","startTime":468.56,"endTime":468.88,"body":"your"},{"speaker":"SPEAKER_01","startTime":469.04,"endTime":469.68,"body":"investment"},{"speaker":"SPEAKER_01","startTime":469.68,"endTime":470.4,"body":"prowess,"},{"speaker":"SPEAKER_01","startTime":470.56,"endTime":470.8,"body":"but"},{"speaker":"SPEAKER_01","startTime":470.8,"endTime":471.04,"body":"in"},{"speaker":"SPEAKER_01","startTime":471.04,"endTime":471.36,"body":"this"},{"speaker":"SPEAKER_01","startTime":471.36,"endTime":471.76,"body":"case,"},{"speaker":"SPEAKER_01","startTime":472.08,"endTime":472.4,"body":"you"},{"speaker":"SPEAKER_01","startTime":472.64,"endTime":473.44,"body":"absolutely"},{"speaker":"SPEAKER_01","startTime":473.44,"endTime":473.68,"body":"need"},{"speaker":"SPEAKER_01","startTime":473.68,"endTime":474.0,"body":"someone"},{"speaker":"SPEAKER_01","startTime":474.0,"endTime":474.08,"body":"to"},{"speaker":"SPEAKER_01","startTime":474.08,"endTime":474.24,"body":"help"},{"speaker":"SPEAKER_01","startTime":474.24,"endTime":474.48,"body":"you"},{"speaker":"SPEAKER_01","startTime":474.48,"endTime":474.64,"body":"out."},{"speaker":"SPEAKER_01","startTime":474.88,"endTime":475.76,"body":"Absolutely"},{"speaker":"SPEAKER_01","startTime":476.0,"endTime":476.4,"body":"must."},{"speaker":"SPEAKER_01","startTime":476.56,"endTime":476.72,"body":"I"},{"speaker":"SPEAKER_01","startTime":476.72,"endTime":476.96,"body":"I"},{"speaker":"SPEAKER_01","startTime":476.96,"endTime":477.12,"body":"I"},{"speaker":"SPEAKER_01","startTime":477.12,"endTime":477.36,"body":"don't"},{"speaker":"SPEAKER_01","startTime":477.36,"endTime":477.52,"body":"think"},{"speaker":"SPEAKER_01","startTime":477.52,"endTime":477.84,"body":"it's"},{"speaker":"SPEAKER_01","startTime":477.84,"endTime":478.0,"body":"even"},{"speaker":"SPEAKER_01","startTime":478.0,"endTime":478.32,"body":"an"},{"speaker":"SPEAKER_01","startTime":478.32,"endTime":478.72,"body":"option."},{"speaker":"SPEAKER_01","startTime":478.96,"endTime":479.2,"body":"Thank"},{"speaker":"SPEAKER_01","startTime":479.2,"endTime":479.36,"body":"you"},{"speaker":"SPEAKER_01","startTime":479.36,"endTime":479.6,"body":"for"},{"speaker":"SPEAKER_01","startTime":479.76,"endTime":480.0,"body":"thank"},{"speaker":"SPEAKER_01","startTime":480.0,"endTime":480.16,"body":"you"},{"speaker":"SPEAKER_01","startTime":480.16,"endTime":480.32,"body":"for"},{"speaker":"SPEAKER_01","startTime":480.32,"endTime":480.56,"body":"uh"},{"speaker":"SPEAKER_01","startTime":480.56,"endTime":480.96,"body":"stopping"},{"speaker":"SPEAKER_01","startTime":480.96,"endTime":481.2,"body":"by"},{"speaker":"SPEAKER_01","startTime":481.28,"endTime":481.44,"body":"for"},{"speaker":"SPEAKER_01","startTime":481.44,"endTime":481.92,"body":"calling"},{"speaker":"SPEAKER_01","startTime":481.92,"endTime":482.16,"body":"in."},{"speaker":"SPEAKER_01","startTime":482.32,"endTime":482.48,"body":"Uh"},{"speaker":"SPEAKER_01","startTime":482.64,"endTime":482.8,"body":"you"},{"speaker":"SPEAKER_01","startTime":482.8,"endTime":482.96,"body":"can"},{"speaker":"SPEAKER_01","startTime":482.96,"endTime":483.2,"body":"call"},{"speaker":"SPEAKER_01","startTime":483.2,"endTime":483.28,"body":"in."},{"speaker":"SPEAKER_01","startTime":483.6,"endTime":483.68,"body":"Oh"},{"speaker":"SPEAKER_01","startTime":483.68,"endTime":483.76,"body":"well,"},{"speaker":"SPEAKER_01","startTime":483.92,"endTime":484.08,"body":"call"},{"speaker":"SPEAKER_01","startTime":484.08,"endTime":484.24,"body":"in."},{"speaker":"SPEAKER_01","startTime":484.32,"endTime":484.48,"body":"You"},{"speaker":"SPEAKER_01","startTime":484.48,"endTime":484.56,"body":"can"},{"speaker":"SPEAKER_01","startTime":484.56,"endTime":484.8,"body":"leave"},{"speaker":"SPEAKER_01","startTime":484.8,"endTime":484.96,"body":"your"},{"speaker":"SPEAKER_01","startTime":484.96,"endTime":485.28,"body":"questions"},{"speaker":"SPEAKER_01","startTime":485.28,"endTime":485.44,"body":"at"},{"speaker":"SPEAKER_01","startTime":485.44,"endTime":486.96,"body":"talkingrealmoney.com"},{"speaker":"SPEAKER_01","startTime":486.96,"endTime":487.04,"body":"on"},{"speaker":"SPEAKER_01","startTime":487.04,"endTime":487.12,"body":"the"},{"speaker":"SPEAKER_01","startTime":487.12,"endTime":487.6,"body":"contact"},{"speaker":"SPEAKER_01","startTime":487.6,"endTime":487.84,"body":"form."},{"speaker":"SPEAKER_01","startTime":488.0,"endTime":488.24,"body":"We"},{"speaker":"SPEAKER_01","startTime":488.24,"endTime":488.4,"body":"love"},{"speaker":"SPEAKER_01","startTime":488.4,"endTime":488.56,"body":"it"},{"speaker":"SPEAKER_01","startTime":488.56,"endTime":488.64,"body":"when"},{"speaker":"SPEAKER_01","startTime":488.64,"endTime":488.8,"body":"you"},{"speaker":"SPEAKER_01","startTime":488.8,"endTime":488.88,"body":"do"},{"speaker":"SPEAKER_01","startTime":488.88,"endTime":489.04,"body":"that."},{"speaker":"SPEAKER_01","startTime":489.2,"endTime":489.28,"body":"I"},{"speaker":"SPEAKER_01","startTime":489.28,"endTime":489.44,"body":"love"},{"speaker":"SPEAKER_01","startTime":489.44,"endTime":489.6,"body":"it"},{"speaker":"SPEAKER_01","startTime":489.6,"endTime":489.76,"body":"when"},{"speaker":"SPEAKER_01","startTime":489.76,"endTime":489.84,"body":"you"},{"speaker":"SPEAKER_01","startTime":489.84,"endTime":489.92,"body":"do"},{"speaker":"SPEAKER_01","startTime":489.92,"endTime":490.08,"body":"that."},{"speaker":"SPEAKER_01","startTime":490.16,"endTime":490.24,"body":"I"},{"speaker":"SPEAKER_01","startTime":490.24,"endTime":490.4,"body":"love"},{"speaker":"SPEAKER_01","startTime":490.4,"endTime":490.56,"body":"it"},{"speaker":"SPEAKER_01","startTime":490.56,"endTime":490.64,"body":"when"},{"speaker":"SPEAKER_01","startTime":490.64,"endTime":490.72,"body":"you"},{"speaker":"SPEAKER_01","startTime":490.72,"endTime":490.96,"body":"speak"},{"speaker":"SPEAKER_01","startTime":490.96,"endTime":491.04,"body":"them."},{"speaker":"SPEAKER_01","startTime":491.2,"endTime":491.52,"body":"Tom"},{"speaker":"SPEAKER_01","startTime":491.52,"endTime":491.68,"body":"likes"},{"speaker":"SPEAKER_01","startTime":491.68,"endTime":491.84,"body":"it"},{"speaker":"SPEAKER_01","startTime":491.84,"endTime":491.92,"body":"when"},{"speaker":"SPEAKER_01","startTime":491.92,"endTime":492.08,"body":"you"},{"speaker":"SPEAKER_01","startTime":492.08,"endTime":492.56,"body":"type"},{"speaker":"SPEAKER_01","startTime":492.56,"endTime":492.72,"body":"them."},{"speaker":"SPEAKER_01","startTime":492.96,"endTime":493.28,"body":"And"},{"speaker":"SPEAKER_01","startTime":493.36,"endTime":493.52,"body":"uh"},{"speaker":"SPEAKER_01","startTime":493.6,"endTime":493.92,"body":"here's"},{"speaker":"SPEAKER_01","startTime":493.92,"endTime":494.48,"body":"another"},{"speaker":"SPEAKER_01","startTime":494.48,"endTime":494.72,"body":"one."},{"speaker":"SPEAKER_05","startTime":495.04,"endTime":495.28,"body":"Hey,"},{"speaker":"SPEAKER_05","startTime":495.44,"endTime":495.76,"body":"Tom"},{"speaker":"SPEAKER_05","startTime":495.76,"endTime":496.08,"body":"and"},{"speaker":"SPEAKER_05","startTime":496.08,"endTime":496.4,"body":"Don."},{"speaker":"SPEAKER_05","startTime":496.88,"endTime":497.44,"body":"Recently"},{"speaker":"SPEAKER_05","startTime":497.6,"endTime":497.84,"body":"we're"},{"speaker":"SPEAKER_05","startTime":497.84,"endTime":498.24,"body":"talking"},{"speaker":"SPEAKER_05","startTime":498.24,"endTime":498.4,"body":"about"},{"speaker":"SPEAKER_05","startTime":498.4,"endTime":499.36,"body":"530A"},{"speaker":"SPEAKER_05","startTime":499.6,"endTime":500.64,"body":"accounts,"},{"speaker":"SPEAKER_05","startTime":500.96,"endTime":501.28,"body":"and"},{"speaker":"SPEAKER_05","startTime":501.28,"endTime":501.6,"body":"Don"},{"speaker":"SPEAKER_05","startTime":501.84,"endTime":502.8,"body":"specifically"},{"speaker":"SPEAKER_05","startTime":503.6,"endTime":504.08,"body":"noted"},{"speaker":"SPEAKER_05","startTime":504.08,"endTime":504.48,"body":"they're"},{"speaker":"SPEAKER_05","startTime":504.48,"endTime":505.12,"body":"silly,"},{"speaker":"SPEAKER_05","startTime":505.28,"endTime":506.0,"body":"wondering"},{"speaker":"SPEAKER_05","startTime":506.0,"endTime":506.32,"body":"what"},{"speaker":"SPEAKER_05","startTime":506.32,"endTime":506.64,"body":"their"},{"speaker":"SPEAKER_05","startTime":506.64,"endTime":506.96,"body":"use"},{"speaker":"SPEAKER_05","startTime":506.96,"endTime":507.44,"body":"case"},{"speaker":"SPEAKER_05","startTime":507.44,"endTime":507.68,"body":"was."},{"speaker":"SPEAKER_05","startTime":508.24,"endTime":508.4,"body":"And"},{"speaker":"SPEAKER_05","startTime":508.48,"endTime":508.72,"body":"I"},{"speaker":"SPEAKER_05","startTime":508.72,"endTime":509.12,"body":"myself"},{"speaker":"SPEAKER_05","startTime":509.12,"endTime":509.28,"body":"have"},{"speaker":"SPEAKER_05","startTime":509.28,"endTime":509.84,"body":"struggled"},{"speaker":"SPEAKER_05","startTime":509.84,"endTime":510.08,"body":"with"},{"speaker":"SPEAKER_05","startTime":510.08,"endTime":510.24,"body":"this."},{"speaker":"SPEAKER_05","startTime":510.56,"endTime":511.6,"body":"529,"},{"speaker":"SPEAKER_05","startTime":512.32,"endTime":512.8,"body":"Ugma"},{"speaker":"SPEAKER_05","startTime":512.96,"endTime":513.36,"body":"Utma,"},{"speaker":"SPEAKER_05","startTime":514.0,"endTime":514.24,"body":"Kids"},{"speaker":"SPEAKER_05","startTime":514.48,"endTime":514.72,"body":"Roth"},{"speaker":"SPEAKER_05","startTime":514.96,"endTime":515.52,"body":"IRAs."},{"speaker":"SPEAKER_05","startTime":516.24,"endTime":516.48,"body":"They"},{"speaker":"SPEAKER_05","startTime":516.48,"endTime":516.64,"body":"all"},{"speaker":"SPEAKER_05","startTime":516.64,"endTime":516.88,"body":"seem"},{"speaker":"SPEAKER_05","startTime":516.88,"endTime":517.04,"body":"to"},{"speaker":"SPEAKER_05","startTime":517.04,"endTime":517.28,"body":"have"},{"speaker":"SPEAKER_05","startTime":517.28,"endTime":517.44,"body":"their"},{"speaker":"SPEAKER_05","startTime":517.44,"endTime":517.68,"body":"uh"},{"speaker":"SPEAKER_05","startTime":517.68,"endTime":518.0,"body":"place."},{"speaker":"SPEAKER_05","startTime":518.24,"endTime":518.4,"body":"And"},{"speaker":"SPEAKER_05","startTime":518.4,"endTime":518.72,"body":"it's"},{"speaker":"SPEAKER_05","startTime":518.72,"endTime":518.96,"body":"only"},{"speaker":"SPEAKER_05","startTime":518.96,"endTime":519.52,"body":"recently"},{"speaker":"SPEAKER_05","startTime":519.52,"endTime":519.68,"body":"that"},{"speaker":"SPEAKER_05","startTime":519.68,"endTime":519.92,"body":"I"},{"speaker":"SPEAKER_05","startTime":519.92,"endTime":520.16,"body":"uh"},{"speaker":"SPEAKER_05","startTime":520.16,"endTime":520.56,"body":"read"},{"speaker":"SPEAKER_05","startTime":520.56,"endTime":521.12,"body":"something"},{"speaker":"SPEAKER_05","startTime":521.12,"endTime":521.44,"body":"about"},{"speaker":"SPEAKER_05","startTime":521.76,"endTime":521.92,"body":"a"},{"speaker":"SPEAKER_05","startTime":521.92,"endTime":522.8,"body":"530A"},{"speaker":"SPEAKER_05","startTime":523.04,"endTime":523.36,"body":"being"},{"speaker":"SPEAKER_05","startTime":523.36,"endTime":524.4,"body":"convertible"},{"speaker":"SPEAKER_05","startTime":524.4,"endTime":524.64,"body":"into"},{"speaker":"SPEAKER_05","startTime":524.96,"endTime":525.36,"body":"Raw."},{"speaker":"SPEAKER_05","startTime":526.32,"endTime":526.56,"body":"And"},{"speaker":"SPEAKER_05","startTime":526.56,"endTime":526.8,"body":"so"},{"speaker":"SPEAKER_05","startTime":526.8,"endTime":526.96,"body":"that"},{"speaker":"SPEAKER_05","startTime":526.96,"endTime":527.12,"body":"is"},{"speaker":"SPEAKER_05","startTime":527.12,"endTime":527.36,"body":"what"},{"speaker":"SPEAKER_05","startTime":527.36,"endTime":527.6,"body":"has"},{"speaker":"SPEAKER_05","startTime":527.6,"endTime":528.08,"body":"piqued"},{"speaker":"SPEAKER_05","startTime":528.08,"endTime":528.4,"body":"my"},{"speaker":"SPEAKER_05","startTime":528.4,"endTime":528.88,"body":"interest"},{"speaker":"SPEAKER_05","startTime":529.2,"endTime":529.52,"body":"because"},{"speaker":"SPEAKER_05","startTime":530.4,"endTime":530.72,"body":"I"},{"speaker":"SPEAKER_05","startTime":530.72,"endTime":530.96,"body":"would"},{"speaker":"SPEAKER_05","startTime":530.96,"endTime":531.2,"body":"be"},{"speaker":"SPEAKER_05","startTime":531.2,"endTime":531.6,"body":"able"},{"speaker":"SPEAKER_05","startTime":531.6,"endTime":531.76,"body":"to"},{"speaker":"SPEAKER_05","startTime":532.32,"endTime":533.28,"body":"contribute"},{"speaker":"SPEAKER_05","startTime":533.28,"endTime":533.92,"body":"money"},{"speaker":"SPEAKER_05","startTime":534.72,"endTime":535.44,"body":"without"},{"speaker":"SPEAKER_05","startTime":535.44,"endTime":535.52,"body":"uh"},{"speaker":"SPEAKER_05","startTime":535.84,"endTime":536.4,"body":"needing"},{"speaker":"SPEAKER_05","startTime":536.4,"endTime":537.12,"body":"earned"},{"speaker":"SPEAKER_05","startTime":537.12,"endTime":537.76,"body":"income"},{"speaker":"SPEAKER_05","startTime":537.76,"endTime":538.08,"body":"for"},{"speaker":"SPEAKER_05","startTime":538.08,"endTime":538.4,"body":"a"},{"speaker":"SPEAKER_05","startTime":538.4,"endTime":539.04,"body":"child"},{"speaker":"SPEAKER_05","startTime":539.44,"endTime":539.76,"body":"that"},{"speaker":"SPEAKER_05","startTime":539.76,"endTime":540.0,"body":"they"},{"speaker":"SPEAKER_05","startTime":540.0,"endTime":540.16,"body":"could"},{"speaker":"SPEAKER_05","startTime":540.16,"endTime":540.48,"body":"later"},{"speaker":"SPEAKER_05","startTime":540.48,"endTime":540.88,"body":"convert"},{"speaker":"SPEAKER_05","startTime":540.88,"endTime":541.04,"body":"to"},{"speaker":"SPEAKER_05","startTime":541.04,"endTime":541.28,"body":"a"},{"speaker":"SPEAKER_05","startTime":541.28,"endTime":541.76,"body":"Roth."},{"speaker":"SPEAKER_05","startTime":542.64,"endTime":542.88,"body":"And"},{"speaker":"SPEAKER_05","startTime":542.88,"endTime":543.12,"body":"so"},{"speaker":"SPEAKER_05","startTime":543.12,"endTime":543.36,"body":"I'm"},{"speaker":"SPEAKER_05","startTime":543.36,"endTime":543.52,"body":"just"},{"speaker":"SPEAKER_05","startTime":543.52,"endTime":544.0,"body":"checking"},{"speaker":"SPEAKER_05","startTime":544.0,"endTime":544.24,"body":"in"},{"speaker":"SPEAKER_05","startTime":544.24,"endTime":544.56,"body":"to"},{"speaker":"SPEAKER_05","startTime":544.56,"endTime":544.88,"body":"see"},{"speaker":"SPEAKER_05","startTime":545.12,"endTime":545.44,"body":"the"},{"speaker":"SPEAKER_05","startTime":545.44,"endTime":546.24,"body":"TRM"},{"speaker":"SPEAKER_05","startTime":546.24,"endTime":546.64,"body":"folks"},{"speaker":"SPEAKER_05","startTime":546.64,"endTime":546.96,"body":"think"},{"speaker":"SPEAKER_05","startTime":546.96,"endTime":547.28,"body":"about"},{"speaker":"SPEAKER_05","startTime":547.28,"endTime":547.52,"body":"that"},{"speaker":"SPEAKER_05","startTime":547.52,"endTime":548.0,"body":"strategy."},{"speaker":"unknown","startTime":548.4,"endTime":548.64,"body":"Thanks."},{"speaker":"SPEAKER_01","startTime":549.04,"endTime":549.2,"body":"Again,"},{"speaker":"SPEAKER_01","startTime":549.28,"endTime":549.44,"body":"this"},{"speaker":"SPEAKER_01","startTime":549.44,"endTime":549.6,"body":"is"},{"speaker":"SPEAKER_01","startTime":549.6,"endTime":549.68,"body":"a"},{"speaker":"SPEAKER_01","startTime":549.68,"endTime":549.92,"body":"thing"},{"speaker":"SPEAKER_01","startTime":549.92,"endTime":550.08,"body":"that"},{"speaker":"SPEAKER_01","startTime":550.08,"endTime":550.4,"body":"doesn't"},{"speaker":"SPEAKER_01","startTime":550.4,"endTime":550.64,"body":"exist"},{"speaker":"SPEAKER_01","startTime":550.64,"endTime":550.8,"body":"yet."},{"speaker":"SPEAKER_01","startTime":551.04,"endTime":551.28,"body":"When"},{"speaker":"SPEAKER_01","startTime":551.28,"endTime":551.44,"body":"I"},{"speaker":"SPEAKER_01","startTime":551.44,"endTime":551.6,"body":"said"},{"speaker":"SPEAKER_01","startTime":551.6,"endTime":551.76,"body":"it"},{"speaker":"SPEAKER_01","startTime":551.76,"endTime":551.92,"body":"was"},{"speaker":"SPEAKER_01","startTime":551.92,"endTime":552.32,"body":"silly,"},{"speaker":"SPEAKER_01","startTime":552.4,"endTime":552.64,"body":"I"},{"speaker":"SPEAKER_01","startTime":552.64,"endTime":552.96,"body":"meant"},{"speaker":"SPEAKER_01","startTime":552.96,"endTime":553.12,"body":"the"},{"speaker":"SPEAKER_01","startTime":553.12,"endTime":553.6,"body":"concept"},{"speaker":"SPEAKER_01","startTime":553.6,"endTime":553.84,"body":"was"},{"speaker":"SPEAKER_01","startTime":553.84,"endTime":554.24,"body":"silly,"},{"speaker":"SPEAKER_01","startTime":554.32,"endTime":554.64,"body":"that"},{"speaker":"SPEAKER_01","startTime":554.64,"endTime":554.88,"body":"we"},{"speaker":"SPEAKER_01","startTime":554.88,"endTime":555.36,"body":"didn't"},{"speaker":"SPEAKER_01","startTime":555.36,"endTime":555.68,"body":"need"},{"speaker":"SPEAKER_01","startTime":555.68,"endTime":556.16,"body":"another"},{"speaker":"SPEAKER_01","startTime":556.16,"endTime":556.72,"body":"account"},{"speaker":"SPEAKER_01","startTime":556.72,"endTime":556.88,"body":"for"},{"speaker":"SPEAKER_01","startTime":556.88,"endTime":557.28,"body":"kids."},{"speaker":"SPEAKER_01","startTime":557.36,"endTime":557.52,"body":"We"},{"speaker":"SPEAKER_01","startTime":557.52,"endTime":557.76,"body":"had"},{"speaker":"SPEAKER_01","startTime":557.76,"endTime":558.96,"body":"529s,"},{"speaker":"SPEAKER_01","startTime":559.04,"endTime":559.2,"body":"and"},{"speaker":"SPEAKER_01","startTime":559.2,"endTime":559.44,"body":"you"},{"speaker":"SPEAKER_01","startTime":559.44,"endTime":559.6,"body":"can"},{"speaker":"SPEAKER_01","startTime":559.6,"endTime":559.84,"body":"do"},{"speaker":"SPEAKER_01","startTime":559.84,"endTime":560.56,"body":"custodial"},{"speaker":"SPEAKER_01","startTime":560.56,"endTime":560.88,"body":"Roth"},{"speaker":"SPEAKER_01","startTime":561.04,"endTime":561.6,"body":"IRAs"},{"speaker":"SPEAKER_01","startTime":561.6,"endTime":561.68,"body":"for"},{"speaker":"SPEAKER_01","startTime":561.68,"endTime":561.84,"body":"them"},{"speaker":"SPEAKER_01","startTime":561.84,"endTime":562.0,"body":"if"},{"speaker":"SPEAKER_01","startTime":562.0,"endTime":562.16,"body":"they"},{"speaker":"SPEAKER_01","startTime":562.16,"endTime":562.24,"body":"have"},{"speaker":"SPEAKER_01","startTime":562.64,"endTime":563.04,"body":"earned"},{"speaker":"SPEAKER_01","startTime":563.04,"endTime":563.36,"body":"income."},{"speaker":"SPEAKER_01","startTime":563.52,"endTime":563.84,"body":"I"},{"speaker":"SPEAKER_01","startTime":564.0,"endTime":564.32,"body":"I"},{"speaker":"SPEAKER_01","startTime":564.32,"endTime":564.48,"body":"just"},{"speaker":"SPEAKER_01","startTime":564.48,"endTime":564.88,"body":"didn't"},{"speaker":"SPEAKER_01","startTime":564.88,"endTime":565.04,"body":"see"},{"speaker":"SPEAKER_01","startTime":565.04,"endTime":565.28,"body":"why"},{"speaker":"SPEAKER_01","startTime":565.28,"endTime":565.44,"body":"it"},{"speaker":"SPEAKER_01","startTime":565.44,"endTime":565.68,"body":"was"},{"speaker":"SPEAKER_01","startTime":565.68,"endTime":566.08,"body":"necessary,"},{"speaker":"SPEAKER_01","startTime":566.16,"endTime":566.4,"body":"and"},{"speaker":"SPEAKER_01","startTime":566.4,"endTime":566.56,"body":"I"},{"speaker":"SPEAKER_01","startTime":566.56,"endTime":566.88,"body":"truly"},{"speaker":"SPEAKER_01","startTime":566.88,"endTime":567.2,"body":"feel"},{"speaker":"SPEAKER_01","startTime":567.2,"endTime":567.36,"body":"like"},{"speaker":"SPEAKER_01","startTime":567.36,"endTime":567.52,"body":"it"},{"speaker":"SPEAKER_01","startTime":567.52,"endTime":567.68,"body":"was"},{"speaker":"SPEAKER_01","startTime":567.84,"endTime":568.08,"body":"it"},{"speaker":"SPEAKER_01","startTime":568.08,"endTime":568.32,"body":"was"},{"speaker":"SPEAKER_01","startTime":568.32,"endTime":568.64,"body":"a"},{"speaker":"SPEAKER_01","startTime":569.28,"endTime":569.6,"body":"bit"},{"speaker":"SPEAKER_01","startTime":569.6,"endTime":569.92,"body":"of"},{"speaker":"SPEAKER_01","startTime":570.24,"endTime":570.88,"body":"political"},{"speaker":"SPEAKER_01","startTime":570.88,"endTime":571.52,"body":"pandering."},{"speaker":"SPEAKER_01","startTime":571.92,"endTime":572.24,"body":"And"},{"speaker":"SPEAKER_01","startTime":572.24,"endTime":572.56,"body":"both"},{"speaker":"SPEAKER_01","startTime":572.56,"endTime":573.04,"body":"parties"},{"speaker":"SPEAKER_01","startTime":573.04,"endTime":573.28,"body":"do"},{"speaker":"SPEAKER_01","startTime":573.28,"endTime":573.68,"body":"political"},{"speaker":"SPEAKER_01","startTime":573.68,"endTime":574.08,"body":"pandering."},{"speaker":"SPEAKER_01","startTime":574.32,"endTime":574.64,"body":"They"},{"speaker":"SPEAKER_01","startTime":574.64,"endTime":574.8,"body":"do."},{"speaker":"SPEAKER_01","startTime":575.04,"endTime":575.2,"body":"I"},{"speaker":"SPEAKER_01","startTime":575.2,"endTime":575.52,"body":"don't"},{"speaker":"SPEAKER_01","startTime":575.52,"endTime":575.68,"body":"like"},{"speaker":"SPEAKER_01","startTime":575.68,"endTime":575.84,"body":"it"},{"speaker":"SPEAKER_01","startTime":575.84,"endTime":576.0,"body":"in"},{"speaker":"SPEAKER_01","startTime":576.0,"endTime":576.64,"body":"either"},{"speaker":"SPEAKER_01","startTime":576.64,"endTime":577.28,"body":"case."},{"speaker":"SPEAKER_01","startTime":577.76,"endTime":578.08,"body":"Um"},{"speaker":"SPEAKER_01","startTime":579.92,"endTime":580.24,"body":"but"},{"speaker":"SPEAKER_01","startTime":580.24,"endTime":580.56,"body":"I"},{"speaker":"SPEAKER_01","startTime":580.56,"endTime":581.12,"body":"understand"},{"speaker":"SPEAKER_01","startTime":581.12,"endTime":581.28,"body":"it."},{"speaker":"SPEAKER_01","startTime":581.44,"endTime":581.68,"body":"And"},{"speaker":"SPEAKER_01","startTime":581.76,"endTime":582.08,"body":"hey,"},{"speaker":"SPEAKER_01","startTime":582.16,"endTime":582.4,"body":"if"},{"speaker":"SPEAKER_01","startTime":582.4,"endTime":582.72,"body":"they"},{"speaker":"SPEAKER_01","startTime":582.72,"endTime":583.04,"body":"exist,"},{"speaker":"SPEAKER_01","startTime":583.28,"endTime":583.68,"body":"you'd"},{"speaker":"SPEAKER_01","startTime":583.68,"endTime":583.84,"body":"be"},{"speaker":"SPEAKER_01","startTime":583.84,"endTime":584.16,"body":"dumb"},{"speaker":"SPEAKER_01","startTime":584.16,"endTime":584.32,"body":"not"},{"speaker":"SPEAKER_01","startTime":584.32,"endTime":584.48,"body":"to"},{"speaker":"SPEAKER_01","startTime":584.48,"endTime":584.64,"body":"take"},{"speaker":"SPEAKER_01","startTime":584.64,"endTime":585.12,"body":"advantage"},{"speaker":"SPEAKER_01","startTime":585.12,"endTime":585.28,"body":"of"},{"speaker":"SPEAKER_01","startTime":585.28,"endTime":585.44,"body":"it."},{"speaker":"SPEAKER_01","startTime":585.76,"endTime":586.32,"body":"Really?"},{"speaker":"SPEAKER_01","startTime":586.56,"endTime":586.96,"body":"They're"},{"speaker":"SPEAKER_01","startTime":586.96,"endTime":587.44,"body":"still"},{"speaker":"SPEAKER_01","startTime":587.44,"endTime":587.76,"body":"in"},{"speaker":"SPEAKER_01","startTime":587.76,"endTime":588.08,"body":"the"},{"speaker":"SPEAKER_01","startTime":588.4,"endTime":589.04,"body":"planning"},{"speaker":"SPEAKER_01","startTime":589.04,"endTime":589.52,"body":"phase,"},{"speaker":"SPEAKER_01","startTime":589.68,"endTime":590.08,"body":"though."},{"speaker":"SPEAKER_01","startTime":590.24,"endTime":590.48,"body":"So"},{"speaker":"SPEAKER_01","startTime":590.56,"endTime":590.8,"body":"how"},{"speaker":"SPEAKER_01","startTime":590.8,"endTime":590.96,"body":"it"},{"speaker":"SPEAKER_01","startTime":590.96,"endTime":591.28,"body":"goes,"},{"speaker":"SPEAKER_01","startTime":591.36,"endTime":591.52,"body":"we"},{"speaker":"SPEAKER_01","startTime":591.52,"endTime":591.84,"body":"don't"},{"speaker":"SPEAKER_01","startTime":591.84,"endTime":592.0,"body":"know."},{"speaker":"SPEAKER_01","startTime":592.16,"endTime":592.48,"body":"But"},{"speaker":"SPEAKER_01","startTime":592.48,"endTime":592.72,"body":"it"},{"speaker":"SPEAKER_01","startTime":592.88,"endTime":593.2,"body":"it"},{"speaker":"SPEAKER_01","startTime":593.2,"endTime":594.08,"body":"appears"},{"speaker":"SPEAKER_01","startTime":594.4,"endTime":594.72,"body":"that"},{"speaker":"SPEAKER_01","startTime":594.72,"endTime":594.96,"body":"because"},{"speaker":"SPEAKER_01","startTime":594.96,"endTime":595.28,"body":"they're"},{"speaker":"SPEAKER_01","startTime":595.28,"endTime":595.76,"body":"treated"},{"speaker":"SPEAKER_01","startTime":595.76,"endTime":595.92,"body":"like"},{"speaker":"SPEAKER_01","startTime":595.92,"endTime":596.16,"body":"an"},{"speaker":"SPEAKER_01","startTime":596.16,"endTime":596.72,"body":"IRA,"},{"speaker":"SPEAKER_01","startTime":596.8,"endTime":597.12,"body":"they're"},{"speaker":"SPEAKER_01","startTime":597.12,"endTime":598.08,"body":"tax-deferred"},{"speaker":"SPEAKER_01","startTime":598.08,"endTime":598.8,"body":"growth,"},{"speaker":"SPEAKER_01","startTime":599.12,"endTime":599.44,"body":"that"},{"speaker":"SPEAKER_01","startTime":599.44,"endTime":599.76,"body":"they"},{"speaker":"SPEAKER_01","startTime":599.92,"endTime":600.32,"body":"should"},{"speaker":"SPEAKER_01","startTime":600.32,"endTime":600.56,"body":"be"},{"speaker":"SPEAKER_01","startTime":600.56,"endTime":601.28,"body":"convertible"},{"speaker":"SPEAKER_01","startTime":601.28,"endTime":601.52,"body":"into"},{"speaker":"SPEAKER_01","startTime":601.52,"endTime":601.68,"body":"a"},{"speaker":"SPEAKER_01","startTime":601.68,"endTime":602.08,"body":"Roth"},{"speaker":"SPEAKER_01","startTime":602.24,"endTime":603.04,"body":"IRA"},{"speaker":"SPEAKER_01","startTime":603.04,"endTime":603.44,"body":"after"},{"speaker":"SPEAKER_01","startTime":603.44,"endTime":603.76,"body":"paying"},{"speaker":"SPEAKER_01","startTime":603.76,"endTime":603.92,"body":"the"},{"speaker":"SPEAKER_01","startTime":603.92,"endTime":604.4,"body":"taxes"},{"speaker":"SPEAKER_01","startTime":604.4,"endTime":604.56,"body":"at"},{"speaker":"SPEAKER_01","startTime":604.56,"endTime":604.72,"body":"the"},{"speaker":"SPEAKER_01","startTime":604.72,"endTime":605.2,"body":"kid's"},{"speaker":"SPEAKER_01","startTime":605.2,"endTime":605.6,"body":"lower"},{"speaker":"SPEAKER_01","startTime":605.6,"endTime":605.92,"body":"tax"},{"speaker":"SPEAKER_01","startTime":605.92,"endTime":606.48,"body":"rate."},{"speaker":"SPEAKER_01","startTime":606.8,"endTime":606.96,"body":"So"},{"speaker":"SPEAKER_01","startTime":607.12,"endTime":607.44,"body":"that"},{"speaker":"SPEAKER_01","startTime":607.44,"endTime":607.68,"body":"would"},{"speaker":"SPEAKER_01","startTime":607.68,"endTime":607.92,"body":"make"},{"speaker":"SPEAKER_01","startTime":607.92,"endTime":608.08,"body":"them"},{"speaker":"SPEAKER_01","startTime":608.08,"endTime":608.4,"body":"an"},{"speaker":"SPEAKER_01","startTime":608.4,"endTime":608.72,"body":"even"},{"speaker":"SPEAKER_01","startTime":608.72,"endTime":609.44,"body":"potentially"},{"speaker":"SPEAKER_01","startTime":609.44,"endTime":609.92,"body":"better"},{"speaker":"SPEAKER_01","startTime":609.92,"endTime":610.32,"body":"thing."},{"speaker":"SPEAKER_01","startTime":610.64,"endTime":610.96,"body":"So"},{"speaker":"SPEAKER_01","startTime":611.36,"endTime":611.68,"body":"yeah,"},{"speaker":"SPEAKER_01","startTime":612.0,"endTime":612.24,"body":"would"},{"speaker":"SPEAKER_01","startTime":612.24,"endTime":612.48,"body":"I"},{"speaker":"SPEAKER_01","startTime":612.48,"endTime":612.72,"body":"use"},{"speaker":"SPEAKER_01","startTime":612.72,"endTime":612.96,"body":"one"},{"speaker":"SPEAKER_01","startTime":612.96,"endTime":613.28,"body":"if"},{"speaker":"SPEAKER_01","startTime":613.28,"endTime":613.52,"body":"I"},{"speaker":"SPEAKER_01","startTime":613.52,"endTime":613.84,"body":"had"},{"speaker":"SPEAKER_01","startTime":613.84,"endTime":614.08,"body":"a"},{"speaker":"SPEAKER_01","startTime":614.08,"endTime":614.72,"body":"kid"},{"speaker":"SPEAKER_01","startTime":615.36,"endTime":615.68,"body":"that"},{"speaker":"SPEAKER_01","startTime":615.68,"endTime":616.0,"body":"could"},{"speaker":"SPEAKER_01","startTime":616.0,"endTime":616.32,"body":"use"},{"speaker":"SPEAKER_01","startTime":616.32,"endTime":616.56,"body":"one?"},{"speaker":"SPEAKER_01","startTime":617.2,"endTime":617.52,"body":"Well,"},{"speaker":"SPEAKER_01","startTime":617.68,"endTime":617.92,"body":"of"},{"speaker":"SPEAKER_01","startTime":617.92,"endTime":618.4,"body":"course."},{"speaker":"SPEAKER_01","startTime":618.64,"endTime":618.96,"body":"You're"},{"speaker":"SPEAKER_01","startTime":618.96,"endTime":619.44,"body":"foolish"},{"speaker":"SPEAKER_01","startTime":619.44,"endTime":619.6,"body":"not"},{"speaker":"SPEAKER_01","startTime":619.6,"endTime":619.76,"body":"to"},{"speaker":"SPEAKER_01","startTime":619.76,"endTime":619.92,"body":"take"},{"speaker":"SPEAKER_01","startTime":619.92,"endTime":620.32,"body":"advantage"},{"speaker":"SPEAKER_01","startTime":620.32,"endTime":620.4,"body":"of"},{"speaker":"SPEAKER_01","startTime":620.4,"endTime":620.56,"body":"it."},{"speaker":"SPEAKER_01","startTime":620.64,"endTime":620.96,"body":"You're"},{"speaker":"SPEAKER_01","startTime":620.96,"endTime":621.44,"body":"absolutely"},{"speaker":"SPEAKER_01","startTime":621.44,"endTime":622.0,"body":"foolish"},{"speaker":"SPEAKER_01","startTime":622.0,"endTime":622.16,"body":"not"},{"speaker":"SPEAKER_01","startTime":622.16,"endTime":622.24,"body":"to"},{"speaker":"SPEAKER_01","startTime":622.24,"endTime":622.4,"body":"take"},{"speaker":"SPEAKER_01","startTime":622.4,"endTime":622.8,"body":"advantage"},{"speaker":"SPEAKER_01","startTime":622.8,"endTime":622.96,"body":"of"},{"speaker":"SPEAKER_01","startTime":622.96,"endTime":623.2,"body":"it."},{"speaker":"SPEAKER_01","startTime":623.36,"endTime":623.6,"body":"So"},{"speaker":"SPEAKER_01","startTime":623.68,"endTime":624.16,"body":"yeah,"},{"speaker":"SPEAKER_01","startTime":624.4,"endTime":624.72,"body":"um"},{"speaker":"SPEAKER_01","startTime":625.2,"endTime":626.0,"body":"political,"},{"speaker":"SPEAKER_01","startTime":626.16,"endTime":626.72,"body":"whatever"},{"speaker":"SPEAKER_01","startTime":626.72,"endTime":626.88,"body":"the"},{"speaker":"SPEAKER_01","startTime":626.88,"endTime":627.28,"body":"political"},{"speaker":"SPEAKER_01","startTime":627.28,"endTime":628.32,"body":"ramifications,"},{"speaker":"SPEAKER_01","startTime":628.56,"endTime":628.88,"body":"it"},{"speaker":"SPEAKER_01","startTime":628.88,"endTime":629.2,"body":"is"},{"speaker":"SPEAKER_01","startTime":629.2,"endTime":629.44,"body":"what"},{"speaker":"SPEAKER_01","startTime":629.44,"endTime":629.76,"body":"it"},{"speaker":"SPEAKER_01","startTime":629.76,"endTime":630.16,"body":"might"},{"speaker":"SPEAKER_01","startTime":630.16,"endTime":630.4,"body":"be,"},{"speaker":"SPEAKER_01","startTime":630.48,"endTime":630.72,"body":"or"},{"speaker":"SPEAKER_01","startTime":630.72,"endTime":630.96,"body":"it"},{"speaker":"SPEAKER_01","startTime":630.96,"endTime":631.28,"body":"might"},{"speaker":"SPEAKER_01","startTime":631.28,"endTime":631.52,"body":"be"},{"speaker":"SPEAKER_01","startTime":631.52,"endTime":631.76,"body":"what"},{"speaker":"SPEAKER_01","startTime":631.76,"endTime":632.08,"body":"it"},{"speaker":"SPEAKER_01","startTime":632.08,"endTime":632.48,"body":"might"},{"speaker":"SPEAKER_01","startTime":632.48,"endTime":632.64,"body":"be,"},{"speaker":"SPEAKER_01","startTime":632.88,"endTime":633.2,"body":"or"},{"speaker":"SPEAKER_01","startTime":633.2,"endTime":633.52,"body":"it"},{"speaker":"SPEAKER_01","startTime":633.52,"endTime":633.84,"body":"will"},{"speaker":"SPEAKER_01","startTime":633.84,"endTime":634.08,"body":"be."},{"speaker":"SPEAKER_01","startTime":634.32,"endTime":634.48,"body":"I"},{"speaker":"SPEAKER_01","startTime":634.48,"endTime":634.72,"body":"don't"},{"speaker":"SPEAKER_01","startTime":634.72,"endTime":634.88,"body":"know."},{"speaker":"SPEAKER_01","startTime":635.12,"endTime":635.36,"body":"It's"},{"speaker":"SPEAKER_01","startTime":635.36,"endTime":635.52,"body":"not"},{"speaker":"SPEAKER_01","startTime":635.6,"endTime":635.76,"body":"it's"},{"speaker":"SPEAKER_01","startTime":635.76,"endTime":635.92,"body":"not"},{"speaker":"SPEAKER_01","startTime":635.92,"endTime":636.0,"body":"a"},{"speaker":"SPEAKER_01","startTime":636.0,"endTime":636.24,"body":"thing"},{"speaker":"SPEAKER_01","startTime":636.24,"endTime":636.48,"body":"yet."},{"speaker":"SPEAKER_01","startTime":636.64,"endTime":636.88,"body":"It's"},{"speaker":"SPEAKER_01","startTime":636.88,"endTime":636.96,"body":"not"},{"speaker":"SPEAKER_01","startTime":636.96,"endTime":637.04,"body":"a"},{"speaker":"SPEAKER_01","startTime":637.04,"endTime":637.2,"body":"thing"},{"speaker":"SPEAKER_01","startTime":637.2,"endTime":637.36,"body":"yet."},{"speaker":"SPEAKER_01","startTime":637.52,"endTime":637.6,"body":"So"},{"speaker":"SPEAKER_01","startTime":637.68,"endTime":637.84,"body":"when"},{"speaker":"SPEAKER_01","startTime":637.84,"endTime":638.08,"body":"it's"},{"speaker":"SPEAKER_01","startTime":638.08,"endTime":638.16,"body":"a"},{"speaker":"SPEAKER_01","startTime":638.16,"endTime":638.48,"body":"thing,"},{"speaker":"SPEAKER_01","startTime":638.8,"endTime":639.44,"body":"okay."},{"speaker":"SPEAKER_01","startTime":640.32,"endTime":640.88,"body":"Thanks"},{"speaker":"SPEAKER_01","startTime":640.88,"endTime":641.04,"body":"for"},{"speaker":"SPEAKER_01","startTime":641.04,"endTime":641.36,"body":"the"},{"speaker":"SPEAKER_01","startTime":641.36,"endTime":641.76,"body":"question."},{"speaker":"SPEAKER_01","startTime":642.0,"endTime":642.64,"body":"Appreciate"},{"speaker":"SPEAKER_01","startTime":642.64,"endTime":642.8,"body":"it."},{"speaker":"SPEAKER_01","startTime":642.96,"endTime":643.28,"body":"Let's"},{"speaker":"SPEAKER_01","startTime":643.28,"endTime":643.44,"body":"do"},{"speaker":"SPEAKER_01","startTime":643.44,"endTime":644.0,"body":"another."},{"speaker":"SPEAKER_06","startTime":644.32,"endTime":644.56,"body":"Hey,"},{"speaker":"SPEAKER_06","startTime":644.72,"endTime":644.96,"body":"Tom"},{"speaker":"SPEAKER_06","startTime":644.96,"endTime":645.2,"body":"and"},{"speaker":"SPEAKER_06","startTime":645.2,"endTime":645.44,"body":"Don,"},{"speaker":"SPEAKER_06","startTime":646.08,"endTime":646.64,"body":"question"},{"speaker":"SPEAKER_06","startTime":646.64,"endTime":646.96,"body":"for"},{"speaker":"SPEAKER_06","startTime":646.96,"endTime":647.12,"body":"you"},{"speaker":"SPEAKER_06","startTime":647.28,"endTime":647.52,"body":"uh"},{"speaker":"SPEAKER_06","startTime":648.08,"endTime":648.24,"body":"uh"},{"speaker":"SPEAKER_06","startTime":648.48,"endTime":649.44,"body":"regarding"},{"speaker":"SPEAKER_06","startTime":649.68,"endTime":650.0,"body":"uh"},{"speaker":"SPEAKER_06","startTime":650.56,"endTime":651.44,"body":"getting"},{"speaker":"SPEAKER_06","startTime":651.44,"endTime":651.76,"body":"into"},{"speaker":"SPEAKER_06","startTime":651.76,"endTime":651.92,"body":"uh"},{"speaker":"SPEAKER_06","startTime":652.64,"endTime":652.88,"body":"uh"},{"speaker":"SPEAKER_06","startTime":653.12,"endTime":653.44,"body":"any"},{"speaker":"SPEAKER_06","startTime":653.44,"endTime":653.76,"body":"of"},{"speaker":"SPEAKER_06","startTime":653.76,"endTime":654.08,"body":"these"},{"speaker":"SPEAKER_06","startTime":654.32,"endTime":654.88,"body":"positions."},{"speaker":"SPEAKER_06","startTime":655.12,"endTime":655.44,"body":"So"},{"speaker":"SPEAKER_06","startTime":655.6,"endTime":655.76,"body":"uh"},{"speaker":"SPEAKER_06","startTime":656.0,"endTime":656.32,"body":"really"},{"speaker":"SPEAKER_06","startTime":656.32,"endTime":657.04,"body":"appreciate"},{"speaker":"SPEAKER_06","startTime":657.04,"endTime":657.2,"body":"your"},{"speaker":"SPEAKER_06","startTime":657.2,"endTime":657.52,"body":"guys'"},{"speaker":"SPEAKER_06","startTime":657.76,"endTime":658.64,"body":"advice."},{"speaker":"SPEAKER_06","startTime":658.88,"endTime":659.2,"body":"Um"},{"speaker":"SPEAKER_06","startTime":659.6,"endTime":659.92,"body":"I"},{"speaker":"SPEAKER_06","startTime":660.0,"endTime":660.24,"body":"I"},{"speaker":"SPEAKER_06","startTime":660.24,"endTime":660.56,"body":"can"},{"speaker":"SPEAKER_06","startTime":660.56,"endTime":660.8,"body":"say"},{"speaker":"SPEAKER_06","startTime":660.8,"endTime":660.96,"body":"that"},{"speaker":"SPEAKER_06","startTime":660.96,"endTime":661.12,"body":"it"},{"speaker":"SPEAKER_06","startTime":661.2,"endTime":661.52,"body":"it's"},{"speaker":"SPEAKER_06","startTime":661.68,"endTime":662.0,"body":"uh"},{"speaker":"SPEAKER_06","startTime":662.32,"endTime":662.72,"body":"it's"},{"speaker":"SPEAKER_06","startTime":662.72,"endTime":663.04,"body":"made"},{"speaker":"SPEAKER_06","startTime":663.04,"endTime":663.28,"body":"my"},{"speaker":"SPEAKER_06","startTime":663.28,"endTime":663.84,"body":"investing"},{"speaker":"SPEAKER_06","startTime":663.84,"endTime":664.0,"body":"a"},{"speaker":"SPEAKER_06","startTime":664.0,"endTime":664.24,"body":"lot"},{"speaker":"SPEAKER_06","startTime":664.24,"endTime":664.72,"body":"less"},{"speaker":"SPEAKER_06","startTime":664.72,"endTime":665.6,"body":"harebrained"},{"speaker":"SPEAKER_06","startTime":665.68,"endTime":665.92,"body":"over"},{"speaker":"SPEAKER_06","startTime":665.92,"endTime":666.08,"body":"the"},{"speaker":"SPEAKER_06","startTime":666.08,"endTime":666.4,"body":"last"},{"speaker":"SPEAKER_06","startTime":666.4,"endTime":666.72,"body":"couple"},{"speaker":"SPEAKER_06","startTime":666.88,"endTime":667.36,"body":"years."},{"speaker":"SPEAKER_06","startTime":667.6,"endTime":667.76,"body":"But"},{"speaker":"SPEAKER_06","startTime":667.84,"endTime":668.0,"body":"uh"},{"speaker":"SPEAKER_06","startTime":668.16,"endTime":668.56,"body":"thinking"},{"speaker":"SPEAKER_06","startTime":668.56,"endTime":668.8,"body":"in"},{"speaker":"SPEAKER_06","startTime":668.8,"endTime":669.36,"body":"terms"},{"speaker":"SPEAKER_06","startTime":669.36,"endTime":669.68,"body":"of"},{"speaker":"SPEAKER_06","startTime":669.76,"endTime":670.08,"body":"uh"},{"speaker":"SPEAKER_06","startTime":670.08,"endTime":670.64,"body":"anything"},{"speaker":"SPEAKER_06","startTime":670.64,"endTime":670.96,"body":"that"},{"speaker":"SPEAKER_06","startTime":670.96,"endTime":671.12,"body":"could"},{"speaker":"SPEAKER_06","startTime":671.12,"endTime":671.44,"body":"help"},{"speaker":"SPEAKER_06","startTime":671.44,"endTime":671.6,"body":"at"},{"speaker":"SPEAKER_06","startTime":671.6,"endTime":671.76,"body":"all,"},{"speaker":"SPEAKER_06","startTime":671.92,"endTime":672.0,"body":"I"},{"speaker":"SPEAKER_06","startTime":672.0,"endTime":672.16,"body":"know"},{"speaker":"SPEAKER_06","startTime":672.16,"endTime":672.32,"body":"you"},{"speaker":"SPEAKER_06","startTime":672.32,"endTime":672.72,"body":"guys"},{"speaker":"SPEAKER_06","startTime":672.72,"endTime":673.28,"body":"hate"},{"speaker":"SPEAKER_06","startTime":673.28,"endTime":673.92,"body":"options,"},{"speaker":"SPEAKER_06","startTime":674.56,"endTime":674.8,"body":"and"},{"speaker":"SPEAKER_06","startTime":674.8,"endTime":675.04,"body":"I"},{"speaker":"SPEAKER_06","startTime":675.04,"endTime":675.36,"body":"was"},{"speaker":"SPEAKER_06","startTime":675.36,"endTime":675.84,"body":"curious,"},{"speaker":"SPEAKER_06","startTime":675.92,"endTime":676.08,"body":"um,"},{"speaker":"SPEAKER_06","startTime":676.24,"endTime":676.64,"body":"what's"},{"speaker":"SPEAKER_06","startTime":676.64,"endTime":676.72,"body":"the"},{"speaker":"SPEAKER_06","startTime":676.72,"endTime":677.04,"body":"reason?"},{"speaker":"SPEAKER_06","startTime":677.12,"endTime":677.2,"body":"You"},{"speaker":"SPEAKER_06","startTime":677.2,"endTime":677.36,"body":"know,"},{"speaker":"SPEAKER_06","startTime":677.44,"endTime":677.68,"body":"my"},{"speaker":"SPEAKER_06","startTime":677.68,"endTime":678.0,"body":"own"},{"speaker":"SPEAKER_06","startTime":678.0,"endTime":678.4,"body":"looking"},{"speaker":"SPEAKER_06","startTime":678.4,"endTime":678.72,"body":"into"},{"speaker":"SPEAKER_06","startTime":678.72,"endTime":679.04,"body":"it"},{"speaker":"SPEAKER_06","startTime":679.28,"endTime":679.6,"body":"and"},{"speaker":"SPEAKER_06","startTime":679.6,"endTime":679.84,"body":"and"},{"speaker":"SPEAKER_06","startTime":679.84,"endTime":680.4,"body":"covered"},{"speaker":"SPEAKER_06","startTime":680.4,"endTime":680.72,"body":"calls,"},{"speaker":"SPEAKER_06","startTime":680.8,"endTime":681.04,"body":"for"},{"speaker":"SPEAKER_06","startTime":681.04,"endTime":681.68,"body":"instance."},{"speaker":"SPEAKER_06","startTime":681.84,"endTime":682.0,"body":"Uh"},{"speaker":"SPEAKER_06","startTime":682.16,"endTime":682.72,"body":"things"},{"speaker":"SPEAKER_06","startTime":682.72,"endTime":683.04,"body":"are"},{"speaker":"SPEAKER_06","startTime":683.2,"endTime":683.36,"body":"you"},{"speaker":"SPEAKER_06","startTime":683.36,"endTime":683.52,"body":"know,"},{"speaker":"SPEAKER_06","startTime":683.6,"endTime":683.76,"body":"if"},{"speaker":"SPEAKER_06","startTime":683.76,"endTime":683.92,"body":"you"},{"speaker":"SPEAKER_06","startTime":683.92,"endTime":684.08,"body":"were"},{"speaker":"SPEAKER_06","startTime":684.08,"endTime":684.16,"body":"to"},{"speaker":"SPEAKER_06","startTime":684.16,"endTime":684.32,"body":"look"},{"speaker":"SPEAKER_06","startTime":684.32,"endTime":684.48,"body":"at"},{"speaker":"SPEAKER_06","startTime":684.48,"endTime":684.56,"body":"a"},{"speaker":"SPEAKER_06","startTime":684.56,"endTime":685.12,"body":"long-term"},{"speaker":"SPEAKER_06","startTime":685.12,"endTime":685.36,"body":"call,"},{"speaker":"SPEAKER_06","startTime":685.44,"endTime":685.68,"body":"you'd"},{"speaker":"SPEAKER_06","startTime":685.68,"endTime":685.92,"body":"be"},{"speaker":"SPEAKER_06","startTime":685.92,"endTime":686.4,"body":"looking"},{"speaker":"SPEAKER_06","startTime":686.4,"endTime":686.72,"body":"at"},{"speaker":"SPEAKER_06","startTime":686.96,"endTime":687.28,"body":"uh"},{"speaker":"SPEAKER_06","startTime":687.6,"endTime":688.16,"body":"capping"},{"speaker":"SPEAKER_06","startTime":688.16,"endTime":688.64,"body":"yourself"},{"speaker":"SPEAKER_06","startTime":688.64,"endTime":688.8,"body":"at"},{"speaker":"SPEAKER_06","startTime":688.96,"endTime":689.2,"body":"say"},{"speaker":"SPEAKER_06","startTime":689.44,"endTime":689.84,"body":"10%."},{"speaker":"SPEAKER_06","startTime":690.32,"endTime":690.64,"body":"Makes"},{"speaker":"SPEAKER_06","startTime":690.64,"endTime":690.88,"body":"sense"},{"speaker":"SPEAKER_06","startTime":690.96,"endTime":691.28,"body":"since"},{"speaker":"SPEAKER_06","startTime":691.28,"endTime":691.44,"body":"you"},{"speaker":"SPEAKER_06","startTime":691.44,"endTime":691.68,"body":"guys"},{"speaker":"SPEAKER_06","startTime":691.68,"endTime":692.16,"body":"generally"},{"speaker":"SPEAKER_06","startTime":692.16,"endTime":692.24,"body":"say"},{"speaker":"SPEAKER_06","startTime":692.4,"endTime":692.56,"body":"we"},{"speaker":"SPEAKER_06","startTime":692.56,"endTime":692.96,"body":"expect"},{"speaker":"SPEAKER_06","startTime":692.96,"endTime":693.28,"body":"10%"},{"speaker":"SPEAKER_06","startTime":693.6,"endTime":694.08,"body":"return"},{"speaker":"SPEAKER_06","startTime":694.08,"endTime":694.4,"body":"year"},{"speaker":"SPEAKER_06","startTime":694.4,"endTime":694.56,"body":"over"},{"speaker":"SPEAKER_06","startTime":694.56,"endTime":694.96,"body":"year."},{"speaker":"SPEAKER_06","startTime":695.12,"endTime":695.36,"body":"So"},{"speaker":"SPEAKER_06","startTime":695.44,"endTime":695.84,"body":"why"},{"speaker":"SPEAKER_06","startTime":695.84,"endTime":696.08,"body":"uh"},{"speaker":"SPEAKER_06","startTime":696.24,"endTime":696.64,"body":"why"},{"speaker":"SPEAKER_06","startTime":696.64,"endTime":696.88,"body":"take"},{"speaker":"SPEAKER_06","startTime":696.88,"endTime":697.04,"body":"all"},{"speaker":"SPEAKER_06","startTime":697.04,"endTime":697.28,"body":"that"},{"speaker":"SPEAKER_06","startTime":697.28,"endTime":697.6,"body":"risk?"},{"speaker":"SPEAKER_06","startTime":697.84,"endTime":698.08,"body":"But"},{"speaker":"SPEAKER_06","startTime":698.08,"endTime":698.24,"body":"on"},{"speaker":"SPEAKER_06","startTime":698.24,"endTime":698.32,"body":"the"},{"speaker":"SPEAKER_06","startTime":698.32,"endTime":698.64,"body":"flip"},{"speaker":"SPEAKER_06","startTime":698.64,"endTime":698.96,"body":"side"},{"speaker":"SPEAKER_06","startTime":698.96,"endTime":699.12,"body":"of"},{"speaker":"SPEAKER_06","startTime":699.2,"endTime":699.36,"body":"of"},{"speaker":"SPEAKER_06","startTime":699.6,"endTime":700.08,"body":"getting"},{"speaker":"SPEAKER_06","startTime":700.08,"endTime":700.24,"body":"into"},{"speaker":"SPEAKER_06","startTime":700.24,"endTime":700.48,"body":"a"},{"speaker":"SPEAKER_06","startTime":700.48,"endTime":700.88,"body":"position,"},{"speaker":"SPEAKER_06","startTime":700.96,"endTime":701.12,"body":"you"},{"speaker":"SPEAKER_06","startTime":701.12,"endTime":701.2,"body":"know,"},{"speaker":"SPEAKER_06","startTime":701.36,"endTime":701.68,"body":"some"},{"speaker":"SPEAKER_06","startTime":701.68,"endTime":702.0,"body":"people"},{"speaker":"SPEAKER_06","startTime":702.64,"endTime":702.96,"body":"like"},{"speaker":"SPEAKER_06","startTime":703.28,"endTime":703.6,"body":"to"},{"speaker":"SPEAKER_06","startTime":703.6,"endTime":703.92,"body":"uh"},{"speaker":"SPEAKER_06","startTime":704.24,"endTime":704.56,"body":"sell"},{"speaker":"SPEAKER_06","startTime":704.64,"endTime":704.88,"body":"a"},{"speaker":"SPEAKER_06","startTime":704.88,"endTime":705.04,"body":"put"},{"speaker":"SPEAKER_06","startTime":705.2,"endTime":705.36,"body":"in"},{"speaker":"SPEAKER_06","startTime":705.36,"endTime":705.68,"body":"order"},{"speaker":"SPEAKER_06","startTime":705.68,"endTime":706.0,"body":"to"},{"speaker":"SPEAKER_06","startTime":706.0,"endTime":706.56,"body":"either"},{"speaker":"SPEAKER_06","startTime":706.56,"endTime":706.96,"body":"keep"},{"speaker":"SPEAKER_06","startTime":706.96,"endTime":707.12,"body":"some"},{"speaker":"SPEAKER_06","startTime":707.12,"endTime":707.36,"body":"of"},{"speaker":"SPEAKER_06","startTime":707.36,"endTime":707.6,"body":"that"},{"speaker":"SPEAKER_06","startTime":707.6,"endTime":708.16,"body":"premium"},{"speaker":"SPEAKER_06","startTime":708.16,"endTime":708.48,"body":"or"},{"speaker":"SPEAKER_06","startTime":708.56,"endTime":708.8,"body":"or"},{"speaker":"SPEAKER_06","startTime":708.8,"endTime":708.96,"body":"just"},{"speaker":"SPEAKER_06","startTime":708.96,"endTime":709.36,"body":"buy"},{"speaker":"SPEAKER_06","startTime":709.36,"endTime":709.68,"body":"the"},{"speaker":"SPEAKER_06","startTime":709.68,"endTime":710.32,"body":"stock"},{"speaker":"SPEAKER_06","startTime":710.32,"endTime":710.64,"body":"and"},{"speaker":"SPEAKER_06","startTime":710.8,"endTime":711.2,"body":"hold"},{"speaker":"SPEAKER_06","startTime":711.2,"endTime":711.36,"body":"on"},{"speaker":"SPEAKER_06","startTime":711.36,"endTime":711.52,"body":"to"},{"speaker":"SPEAKER_06","startTime":711.52,"endTime":711.68,"body":"it."},{"speaker":"SPEAKER_06","startTime":711.84,"endTime":712.08,"body":"So"},{"speaker":"SPEAKER_06","startTime":712.4,"endTime":712.64,"body":"just"},{"speaker":"SPEAKER_06","startTime":712.64,"endTime":712.96,"body":"wonder"},{"speaker":"SPEAKER_06","startTime":712.96,"endTime":713.12,"body":"what"},{"speaker":"SPEAKER_06","startTime":713.12,"endTime":713.28,"body":"your"},{"speaker":"SPEAKER_06","startTime":713.28,"endTime":713.44,"body":"guys'"},{"speaker":"SPEAKER_06","startTime":713.6,"endTime":714.16,"body":"thoughts"},{"speaker":"SPEAKER_06","startTime":714.16,"endTime":714.4,"body":"are"},{"speaker":"SPEAKER_06","startTime":714.4,"endTime":714.64,"body":"on"},{"speaker":"SPEAKER_06","startTime":714.88,"endTime":715.2,"body":"on"},{"speaker":"SPEAKER_06","startTime":715.2,"endTime":716.0,"body":"anything"},{"speaker":"SPEAKER_06","startTime":716.0,"endTime":716.24,"body":"that"},{"speaker":"SPEAKER_06","startTime":716.24,"endTime":716.48,"body":"uh"},{"speaker":"SPEAKER_06","startTime":716.48,"endTime":716.8,"body":"gives"},{"speaker":"SPEAKER_06","startTime":716.8,"endTime":716.88,"body":"a"},{"speaker":"SPEAKER_06","startTime":716.88,"endTime":717.28,"body":"small"},{"speaker":"SPEAKER_06","startTime":717.28,"endTime":717.6,"body":"egg"},{"speaker":"SPEAKER_06","startTime":717.6,"endTime":717.84,"body":"up"},{"speaker":"SPEAKER_06","startTime":717.84,"endTime":718.24,"body":"without"},{"speaker":"SPEAKER_06","startTime":718.24,"endTime":718.64,"body":"being"},{"speaker":"SPEAKER_06","startTime":718.64,"endTime":719.44,"body":"complicated."},{"speaker":"SPEAKER_06","startTime":719.68,"endTime":720.0,"body":"And"},{"speaker":"SPEAKER_06","startTime":720.0,"endTime":720.24,"body":"I"},{"speaker":"SPEAKER_06","startTime":720.24,"endTime":720.4,"body":"know"},{"speaker":"SPEAKER_06","startTime":720.4,"endTime":720.56,"body":"you"},{"speaker":"SPEAKER_06","startTime":720.56,"endTime":720.96,"body":"guys"},{"speaker":"SPEAKER_06","startTime":720.96,"endTime":721.28,"body":"pretty"},{"speaker":"SPEAKER_06","startTime":721.28,"endTime":721.44,"body":"much"},{"speaker":"SPEAKER_06","startTime":721.44,"endTime":721.76,"body":"don't"},{"speaker":"SPEAKER_06","startTime":721.76,"endTime":721.92,"body":"like"},{"speaker":"SPEAKER_06","startTime":721.92,"endTime":722.32,"body":"anything"},{"speaker":"SPEAKER_06","startTime":722.32,"endTime":723.04,"body":"complicated,"},{"speaker":"SPEAKER_06","startTime":723.36,"endTime":723.68,"body":"so"},{"speaker":"SPEAKER_06","startTime":724.0,"endTime":724.32,"body":"let"},{"speaker":"SPEAKER_06","startTime":724.32,"endTime":724.48,"body":"me"},{"speaker":"SPEAKER_06","startTime":724.48,"endTime":724.64,"body":"know."},{"speaker":"SPEAKER_01","startTime":725.04,"endTime":725.28,"body":"Well,"},{"speaker":"SPEAKER_01","startTime":725.68,"endTime":726.0,"body":"uh"},{"speaker":"SPEAKER_01","startTime":726.24,"endTime":726.88,"body":"option"},{"speaker":"SPEAKER_01","startTime":726.88,"endTime":727.84,"body":"strategies"},{"speaker":"SPEAKER_01","startTime":727.84,"endTime":728.16,"body":"are,"},{"speaker":"SPEAKER_01","startTime":728.32,"endTime":728.56,"body":"by"},{"speaker":"SPEAKER_01","startTime":728.56,"endTime":728.8,"body":"their"},{"speaker":"SPEAKER_01","startTime":728.8,"endTime":729.04,"body":"very"},{"speaker":"SPEAKER_01","startTime":729.04,"endTime":729.28,"body":"nature,"},{"speaker":"SPEAKER_01","startTime":729.52,"endTime":730.4,"body":"complicated."},{"speaker":"SPEAKER_01","startTime":730.64,"endTime":730.8,"body":"Uh"},{"speaker":"SPEAKER_01","startTime":730.96,"endTime":731.2,"body":"and"},{"speaker":"SPEAKER_01","startTime":731.2,"endTime":731.44,"body":"by"},{"speaker":"SPEAKER_01","startTime":731.44,"endTime":731.52,"body":"the"},{"speaker":"SPEAKER_01","startTime":731.52,"endTime":731.68,"body":"way,"},{"speaker":"SPEAKER_01","startTime":731.76,"endTime":732.0,"body":"we"},{"speaker":"SPEAKER_01","startTime":732.0,"endTime":732.16,"body":"we"},{"speaker":"SPEAKER_01","startTime":732.16,"endTime":732.48,"body":"don't"},{"speaker":"SPEAKER_01","startTime":732.48,"endTime":732.88,"body":"hate"},{"speaker":"SPEAKER_01","startTime":732.88,"endTime":733.28,"body":"options,"},{"speaker":"SPEAKER_01","startTime":733.36,"endTime":733.6,"body":"we"},{"speaker":"SPEAKER_01","startTime":733.6,"endTime":733.76,"body":"just"},{"speaker":"SPEAKER_01","startTime":733.76,"endTime":734.08,"body":"hate"},{"speaker":"SPEAKER_01","startTime":734.08,"endTime":734.48,"body":"buying"},{"speaker":"SPEAKER_01","startTime":734.48,"endTime":734.88,"body":"options."},{"speaker":"SPEAKER_01","startTime":735.04,"endTime":735.44,"body":"Buying"},{"speaker":"SPEAKER_01","startTime":735.44,"endTime":735.84,"body":"options"},{"speaker":"SPEAKER_01","startTime":735.84,"endTime":736.0,"body":"is"},{"speaker":"SPEAKER_01","startTime":736.0,"endTime":736.16,"body":"a"},{"speaker":"SPEAKER_01","startTime":736.16,"endTime":736.8,"body":"terrible"},{"speaker":"SPEAKER_01","startTime":736.8,"endTime":737.44,"body":"idea"},{"speaker":"SPEAKER_01","startTime":737.68,"endTime":737.92,"body":"uh"},{"speaker":"SPEAKER_01","startTime":738.32,"endTime":738.64,"body":"because"},{"speaker":"SPEAKER_01","startTime":738.88,"endTime":739.52,"body":"buying"},{"speaker":"SPEAKER_01","startTime":739.52,"endTime":740.16,"body":"options"},{"speaker":"SPEAKER_01","startTime":740.16,"endTime":740.72,"body":"means"},{"speaker":"SPEAKER_01","startTime":740.72,"endTime":741.04,"body":"you're"},{"speaker":"SPEAKER_01","startTime":741.04,"endTime":741.6,"body":"gambling,"},{"speaker":"SPEAKER_01","startTime":741.68,"endTime":741.92,"body":"you're"},{"speaker":"SPEAKER_01","startTime":741.92,"endTime":742.32,"body":"betting."},{"speaker":"SPEAKER_01","startTime":742.4,"endTime":742.64,"body":"But"},{"speaker":"SPEAKER_01","startTime":742.64,"endTime":742.72,"body":"you"},{"speaker":"SPEAKER_01","startTime":742.88,"endTime":743.04,"body":"this"},{"speaker":"SPEAKER_01","startTime":743.04,"endTime":743.2,"body":"is"},{"speaker":"SPEAKER_01","startTime":743.2,"endTime":743.36,"body":"the"},{"speaker":"SPEAKER_01","startTime":743.36,"endTime":743.52,"body":"other"},{"speaker":"SPEAKER_01","startTime":743.52,"endTime":743.68,"body":"side"},{"speaker":"SPEAKER_01","startTime":743.68,"endTime":743.76,"body":"of"},{"speaker":"SPEAKER_01","startTime":743.76,"endTime":743.84,"body":"the"},{"speaker":"SPEAKER_01","startTime":743.84,"endTime":744.08,"body":"coin."},{"speaker":"SPEAKER_01","startTime":744.16,"endTime":744.56,"body":"Covered"},{"speaker":"SPEAKER_01","startTime":744.56,"endTime":744.88,"body":"call"},{"speaker":"SPEAKER_01","startTime":744.88,"endTime":745.2,"body":"writing"},{"speaker":"SPEAKER_01","startTime":745.2,"endTime":745.36,"body":"is"},{"speaker":"SPEAKER_01","startTime":745.36,"endTime":745.52,"body":"when"},{"speaker":"SPEAKER_01","startTime":745.52,"endTime":745.6,"body":"you"},{"speaker":"SPEAKER_01","startTime":745.6,"endTime":745.92,"body":"own"},{"speaker":"SPEAKER_01","startTime":745.92,"endTime":746.08,"body":"the"},{"speaker":"SPEAKER_01","startTime":746.08,"endTime":746.4,"body":"stock"},{"speaker":"SPEAKER_01","startTime":746.48,"endTime":746.72,"body":"and"},{"speaker":"SPEAKER_01","startTime":746.72,"endTime":746.88,"body":"then"},{"speaker":"SPEAKER_01","startTime":746.88,"endTime":747.12,"body":"you"},{"speaker":"SPEAKER_01","startTime":747.12,"endTime":747.36,"body":"sell"},{"speaker":"SPEAKER_01","startTime":747.36,"endTime":747.68,"body":"someone"},{"speaker":"SPEAKER_01","startTime":747.68,"endTime":747.84,"body":"the"},{"speaker":"SPEAKER_01","startTime":747.84,"endTime":748.0,"body":"right"},{"speaker":"SPEAKER_01","startTime":748.0,"endTime":748.16,"body":"to"},{"speaker":"SPEAKER_01","startTime":748.16,"endTime":748.4,"body":"buy"},{"speaker":"SPEAKER_01","startTime":748.4,"endTime":748.56,"body":"it"},{"speaker":"SPEAKER_01","startTime":748.56,"endTime":748.96,"body":"within"},{"speaker":"SPEAKER_01","startTime":748.96,"endTime":749.12,"body":"a"},{"speaker":"SPEAKER_01","startTime":749.12,"endTime":749.44,"body":"short"},{"speaker":"SPEAKER_01","startTime":749.44,"endTime":749.76,"body":"period"},{"speaker":"SPEAKER_01","startTime":749.76,"endTime":749.92,"body":"of"},{"speaker":"SPEAKER_01","startTime":749.92,"endTime":750.08,"body":"time,"},{"speaker":"SPEAKER_01","startTime":750.24,"endTime":750.8,"body":"usually"},{"speaker":"SPEAKER_01","startTime":750.8,"endTime":751.2,"body":"nine"},{"speaker":"SPEAKER_01","startTime":751.2,"endTime":751.68,"body":"months"},{"speaker":"SPEAKER_01","startTime":751.68,"endTime":751.92,"body":"or"},{"speaker":"SPEAKER_01","startTime":751.92,"endTime":752.32,"body":"less."},{"speaker":"SPEAKER_01","startTime":752.64,"endTime":752.88,"body":"And"},{"speaker":"SPEAKER_01","startTime":752.88,"endTime":753.2,"body":"for"},{"speaker":"SPEAKER_01","startTime":753.2,"endTime":753.36,"body":"that,"},{"speaker":"SPEAKER_01","startTime":753.44,"endTime":753.6,"body":"they"},{"speaker":"SPEAKER_01","startTime":753.6,"endTime":753.84,"body":"give"},{"speaker":"SPEAKER_01","startTime":753.84,"endTime":754.0,"body":"you"},{"speaker":"SPEAKER_01","startTime":754.0,"endTime":754.08,"body":"a"},{"speaker":"SPEAKER_01","startTime":754.08,"endTime":754.32,"body":"little"},{"speaker":"SPEAKER_01","startTime":754.32,"endTime":754.64,"body":"tiny"},{"speaker":"SPEAKER_01","startTime":754.64,"endTime":755.04,"body":"premium"},{"speaker":"SPEAKER_01","startTime":755.12,"endTime":755.36,"body":"because"},{"speaker":"SPEAKER_01","startTime":755.36,"endTime":755.52,"body":"they"},{"speaker":"SPEAKER_01","startTime":755.52,"endTime":755.68,"body":"want"},{"speaker":"SPEAKER_01","startTime":755.68,"endTime":755.76,"body":"to"},{"speaker":"SPEAKER_01","startTime":755.76,"endTime":756.0,"body":"buy"},{"speaker":"SPEAKER_01","startTime":756.0,"endTime":756.16,"body":"the"},{"speaker":"SPEAKER_01","startTime":756.16,"endTime":756.48,"body":"stock,"},{"speaker":"SPEAKER_01","startTime":756.64,"endTime":756.8,"body":"but"},{"speaker":"SPEAKER_01","startTime":756.8,"endTime":756.88,"body":"uh"},{"speaker":"SPEAKER_01","startTime":756.96,"endTime":757.12,"body":"they"},{"speaker":"SPEAKER_01","startTime":757.12,"endTime":757.28,"body":"want"},{"speaker":"SPEAKER_01","startTime":757.28,"endTime":757.36,"body":"to"},{"speaker":"SPEAKER_01","startTime":757.36,"endTime":757.6,"body":"wait"},{"speaker":"SPEAKER_01","startTime":757.6,"endTime":757.68,"body":"a"},{"speaker":"SPEAKER_01","startTime":757.68,"endTime":757.84,"body":"little"},{"speaker":"SPEAKER_01","startTime":757.84,"endTime":758.0,"body":"while."},{"speaker":"SPEAKER_01","startTime":758.32,"endTime":758.48,"body":"They're"},{"speaker":"SPEAKER_01","startTime":758.48,"endTime":758.8,"body":"using"},{"speaker":"SPEAKER_01","startTime":758.8,"endTime":759.28,"body":"leverage,"},{"speaker":"SPEAKER_01","startTime":759.44,"endTime":759.76,"body":"they're"},{"speaker":"SPEAKER_01","startTime":759.76,"endTime":760.16,"body":"betting"},{"speaker":"SPEAKER_01","startTime":760.16,"endTime":760.32,"body":"on"},{"speaker":"SPEAKER_01","startTime":760.32,"endTime":760.48,"body":"the"},{"speaker":"SPEAKER_01","startTime":760.48,"endTime":760.96,"body":"stock"},{"speaker":"SPEAKER_01","startTime":760.96,"endTime":761.28,"body":"going"},{"speaker":"SPEAKER_01","startTime":761.28,"endTime":761.6,"body":"up."},{"speaker":"SPEAKER_01","startTime":762.48,"endTime":762.8,"body":"And"},{"speaker":"SPEAKER_01","startTime":763.44,"endTime":763.76,"body":"I"},{"speaker":"SPEAKER_01","startTime":764.4,"endTime":764.64,"body":"to"},{"speaker":"SPEAKER_01","startTime":764.64,"endTime":764.88,"body":"be"},{"speaker":"SPEAKER_01","startTime":764.88,"endTime":765.76,"body":"perfectly"},{"speaker":"SPEAKER_01","startTime":766.0,"endTime":766.48,"body":"frank,"},{"speaker":"SPEAKER_01","startTime":766.64,"endTime":766.8,"body":"I"},{"speaker":"SPEAKER_01","startTime":766.96,"endTime":767.2,"body":"when"},{"speaker":"SPEAKER_01","startTime":767.2,"endTime":767.28,"body":"I"},{"speaker":"SPEAKER_01","startTime":767.28,"endTime":767.44,"body":"was"},{"speaker":"SPEAKER_01","startTime":767.44,"endTime":767.52,"body":"a"},{"speaker":"SPEAKER_01","startTime":767.52,"endTime":767.84,"body":"young"},{"speaker":"SPEAKER_01","startTime":767.84,"endTime":768.24,"body":"broker,"},{"speaker":"SPEAKER_01","startTime":768.32,"endTime":768.48,"body":"I"},{"speaker":"SPEAKER_01","startTime":768.48,"endTime":768.64,"body":"did"},{"speaker":"SPEAKER_01","startTime":768.64,"endTime":768.72,"body":"a"},{"speaker":"SPEAKER_01","startTime":768.72,"endTime":768.88,"body":"lot"},{"speaker":"SPEAKER_01","startTime":768.88,"endTime":769.04,"body":"of"},{"speaker":"SPEAKER_01","startTime":769.04,"endTime":769.44,"body":"covered"},{"speaker":"SPEAKER_01","startTime":769.44,"endTime":769.84,"body":"call"},{"speaker":"SPEAKER_01","startTime":769.84,"endTime":770.24,"body":"writing."},{"speaker":"SPEAKER_01","startTime":770.32,"endTime":770.56,"body":"And"},{"speaker":"SPEAKER_01","startTime":770.56,"endTime":770.8,"body":"it"},{"speaker":"SPEAKER_01","startTime":770.8,"endTime":771.2,"body":"worked"},{"speaker":"SPEAKER_01","startTime":771.2,"endTime":771.36,"body":"for"},{"speaker":"SPEAKER_01","startTime":771.36,"endTime":771.52,"body":"a"},{"speaker":"SPEAKER_01","startTime":771.52,"endTime":771.92,"body":"while"},{"speaker":"SPEAKER_01","startTime":771.92,"endTime":772.48,"body":"until"},{"speaker":"SPEAKER_01","startTime":772.48,"endTime":772.8,"body":"it"},{"speaker":"SPEAKER_01","startTime":772.8,"endTime":773.6,"body":"didn't."},{"speaker":"SPEAKER_01","startTime":773.84,"endTime":774.08,"body":"And"},{"speaker":"SPEAKER_01","startTime":774.08,"endTime":774.32,"body":"then"},{"speaker":"SPEAKER_01","startTime":774.32,"endTime":774.64,"body":"it"},{"speaker":"SPEAKER_01","startTime":774.64,"endTime":775.44,"body":"didn't."},{"speaker":"SPEAKER_01","startTime":775.76,"endTime":776.08,"body":"So"},{"speaker":"SPEAKER_01","startTime":777.04,"endTime":777.36,"body":"the"},{"speaker":"SPEAKER_01","startTime":777.36,"endTime":778.24,"body":"reason"},{"speaker":"SPEAKER_01","startTime":778.24,"endTime":778.56,"body":"is"},{"speaker":"SPEAKER_01","startTime":779.04,"endTime":779.36,"body":"it"},{"speaker":"SPEAKER_01","startTime":779.36,"endTime":779.76,"body":"sounds"},{"speaker":"SPEAKER_01","startTime":779.76,"endTime":779.92,"body":"like"},{"speaker":"SPEAKER_01","startTime":779.92,"endTime":780.16,"body":"there's"},{"speaker":"SPEAKER_01","startTime":780.16,"endTime":780.24,"body":"a"},{"speaker":"SPEAKER_01","startTime":780.24,"endTime":780.56,"body":"free"},{"speaker":"SPEAKER_01","startTime":780.56,"endTime":780.88,"body":"lunch."},{"speaker":"SPEAKER_01","startTime":780.96,"endTime":781.12,"body":"I"},{"speaker":"SPEAKER_01","startTime":781.12,"endTime":781.36,"body":"can"},{"speaker":"SPEAKER_01","startTime":781.36,"endTime":781.52,"body":"get"},{"speaker":"SPEAKER_01","startTime":781.52,"endTime":781.84,"body":"pretty"},{"speaker":"SPEAKER_01","startTime":781.84,"endTime":782.16,"body":"close"},{"speaker":"SPEAKER_01","startTime":782.16,"endTime":782.32,"body":"to"},{"speaker":"SPEAKER_01","startTime":782.88,"endTime":783.04,"body":"the"},{"speaker":"SPEAKER_01","startTime":783.04,"endTime":783.44,"body":"return"},{"speaker":"SPEAKER_01","startTime":783.44,"endTime":783.52,"body":"of"},{"speaker":"SPEAKER_01","startTime":783.52,"endTime":783.68,"body":"the"},{"speaker":"SPEAKER_01","startTime":783.68,"endTime":784.0,"body":"stock"},{"speaker":"SPEAKER_01","startTime":784.0,"endTime":784.32,"body":"market,"},{"speaker":"SPEAKER_01","startTime":784.48,"endTime":784.64,"body":"but"},{"speaker":"SPEAKER_01","startTime":784.64,"endTime":785.04,"body":"I've"},{"speaker":"SPEAKER_01","startTime":785.04,"endTime":785.2,"body":"got"},{"speaker":"SPEAKER_01","startTime":785.2,"endTime":785.84,"body":"downside"},{"speaker":"SPEAKER_01","startTime":785.84,"endTime":786.48,"body":"protection."},{"speaker":"SPEAKER_01","startTime":786.88,"endTime":787.68,"body":"It's"},{"speaker":"SPEAKER_01","startTime":787.68,"endTime":788.0,"body":"not"},{"speaker":"SPEAKER_01","startTime":788.0,"endTime":788.64,"body":"making"},{"speaker":"SPEAKER_01","startTime":788.64,"endTime":789.04,"body":"money."},{"speaker":"SPEAKER_01","startTime":789.28,"endTime":789.52,"body":"What"},{"speaker":"SPEAKER_01","startTime":789.52,"endTime":789.76,"body":"you're"},{"speaker":"SPEAKER_01","startTime":789.76,"endTime":790.08,"body":"doing"},{"speaker":"SPEAKER_01","startTime":790.08,"endTime":790.32,"body":"is"},{"speaker":"SPEAKER_01","startTime":790.32,"endTime":790.64,"body":"you're"},{"speaker":"SPEAKER_01","startTime":790.64,"endTime":791.12,"body":"selling"},{"speaker":"SPEAKER_01","startTime":791.12,"endTime":791.76,"body":"away"},{"speaker":"SPEAKER_01","startTime":791.76,"endTime":792.08,"body":"to"},{"speaker":"SPEAKER_01","startTime":792.24,"endTime":792.88,"body":"someone"},{"speaker":"SPEAKER_01","startTime":792.88,"endTime":793.52,"body":"else"},{"speaker":"SPEAKER_01","startTime":793.84,"endTime":794.16,"body":"the"},{"speaker":"SPEAKER_01","startTime":794.72,"endTime":795.52,"body":"potential"},{"speaker":"SPEAKER_01","startTime":795.52,"endTime":796.32,"body":"upside"},{"speaker":"SPEAKER_01","startTime":796.32,"endTime":796.64,"body":"of"},{"speaker":"SPEAKER_01","startTime":796.64,"endTime":796.96,"body":"your"},{"speaker":"SPEAKER_01","startTime":796.96,"endTime":797.36,"body":"stock"},{"speaker":"SPEAKER_01","startTime":797.36,"endTime":797.68,"body":"for"},{"speaker":"SPEAKER_01","startTime":797.68,"endTime":797.92,"body":"some"},{"speaker":"SPEAKER_01","startTime":797.92,"endTime":798.4,"body":"cash"},{"speaker":"SPEAKER_01","startTime":798.4,"endTime":799.04,"body":"today."},{"speaker":"SPEAKER_01","startTime":799.36,"endTime":799.68,"body":"And"},{"speaker":"SPEAKER_01","startTime":799.68,"endTime":800.0,"body":"it"},{"speaker":"SPEAKER_01","startTime":800.0,"endTime":800.56,"body":"works"},{"speaker":"SPEAKER_01","startTime":800.88,"endTime":801.2,"body":"really"},{"speaker":"SPEAKER_01","startTime":801.2,"endTime":801.52,"body":"well"},{"speaker":"SPEAKER_01","startTime":801.84,"endTime":802.16,"body":"in"},{"speaker":"SPEAKER_01","startTime":802.48,"endTime":802.8,"body":"very"},{"speaker":"SPEAKER_01","startTime":802.96,"endTime":803.6,"body":"flat"},{"speaker":"SPEAKER_01","startTime":803.6,"endTime":803.92,"body":"or"},{"speaker":"SPEAKER_01","startTime":804.08,"endTime":804.72,"body":"slowly"},{"speaker":"SPEAKER_01","startTime":804.72,"endTime":805.28,"body":"rising"},{"speaker":"SPEAKER_01","startTime":805.28,"endTime":805.76,"body":"stock"},{"speaker":"SPEAKER_01","startTime":805.76,"endTime":806.4,"body":"markets."},{"speaker":"SPEAKER_01","startTime":807.44,"endTime":807.76,"body":"Um"},{"speaker":"SPEAKER_01","startTime":808.32,"endTime":808.56,"body":"as"},{"speaker":"SPEAKER_01","startTime":808.56,"endTime":808.88,"body":"I've"},{"speaker":"SPEAKER_01","startTime":808.88,"endTime":809.04,"body":"said"},{"speaker":"SPEAKER_01","startTime":809.04,"endTime":809.36,"body":"before,"},{"speaker":"SPEAKER_01","startTime":809.44,"endTime":809.6,"body":"you"},{"speaker":"SPEAKER_01","startTime":809.6,"endTime":809.68,"body":"know,"},{"speaker":"SPEAKER_01","startTime":809.76,"endTime":809.92,"body":"they"},{"speaker":"SPEAKER_01","startTime":809.92,"endTime":810.08,"body":"look"},{"speaker":"SPEAKER_01","startTime":810.08,"endTime":810.32,"body":"great"},{"speaker":"SPEAKER_01","startTime":810.32,"endTime":810.48,"body":"right"},{"speaker":"SPEAKER_01","startTime":810.48,"endTime":810.64,"body":"up"},{"speaker":"SPEAKER_01","startTime":810.64,"endTime":810.88,"body":"until"},{"speaker":"SPEAKER_01","startTime":810.88,"endTime":811.04,"body":"they"},{"speaker":"SPEAKER_01","startTime":811.04,"endTime":811.28,"body":"don't."},{"speaker":"SPEAKER_01","startTime":811.44,"endTime":811.76,"body":"They"},{"speaker":"SPEAKER_01","startTime":811.76,"endTime":811.92,"body":"look"},{"speaker":"SPEAKER_01","startTime":811.92,"endTime":812.24,"body":"brilliant"},{"speaker":"SPEAKER_01","startTime":812.32,"endTime":812.56,"body":"right"},{"speaker":"SPEAKER_01","startTime":812.56,"endTime":812.72,"body":"up"},{"speaker":"SPEAKER_01","startTime":812.72,"endTime":813.04,"body":"until"},{"speaker":"SPEAKER_01","startTime":813.04,"endTime":813.2,"body":"the"},{"speaker":"SPEAKER_01","startTime":813.2,"endTime":813.6,"body":"markets"},{"speaker":"SPEAKER_01","startTime":813.6,"endTime":814.08,"body":"either"},{"speaker":"SPEAKER_01","startTime":814.08,"endTime":814.56,"body":"rise"},{"speaker":"SPEAKER_01","startTime":814.56,"endTime":815.44,"body":"suddenly"},{"speaker":"SPEAKER_01","startTime":815.44,"endTime":815.76,"body":"or"},{"speaker":"SPEAKER_01","startTime":816.24,"endTime":817.04,"body":"plunge"},{"speaker":"SPEAKER_01","startTime":817.04,"endTime":817.92,"body":"suddenly."},{"speaker":"SPEAKER_01","startTime":818.16,"endTime":818.4,"body":"And"},{"speaker":"SPEAKER_01","startTime":818.4,"endTime":818.56,"body":"in"},{"speaker":"SPEAKER_01","startTime":818.56,"endTime":818.8,"body":"a"},{"speaker":"SPEAKER_01","startTime":818.8,"endTime":819.2,"body":"bear"},{"speaker":"SPEAKER_01","startTime":819.2,"endTime":819.52,"body":"market,"},{"speaker":"SPEAKER_01","startTime":819.68,"endTime":820.0,"body":"that"},{"speaker":"SPEAKER_01","startTime":820.0,"endTime":820.48,"body":"protection"},{"speaker":"SPEAKER_01","startTime":820.48,"endTime":820.72,"body":"you"},{"speaker":"SPEAKER_01","startTime":820.72,"endTime":820.88,"body":"think"},{"speaker":"SPEAKER_01","startTime":820.88,"endTime":821.12,"body":"you're"},{"speaker":"SPEAKER_01","startTime":821.12,"endTime":821.52,"body":"getting"},{"speaker":"SPEAKER_01","startTime":821.52,"endTime":821.84,"body":"is"},{"speaker":"SPEAKER_01","startTime":821.84,"endTime":822.48,"body":"tiny."},{"speaker":"SPEAKER_01","startTime":822.72,"endTime":822.88,"body":"You"},{"speaker":"SPEAKER_01","startTime":822.88,"endTime":823.04,"body":"know,"},{"speaker":"SPEAKER_01","startTime":823.12,"endTime":823.36,"body":"these"},{"speaker":"SPEAKER_01","startTime":823.36,"endTime":823.6,"body":"little"},{"speaker":"SPEAKER_01","startTime":823.6,"endTime":824.08,"body":"premiums"},{"speaker":"SPEAKER_01","startTime":824.08,"endTime":824.32,"body":"don't"},{"speaker":"SPEAKER_01","startTime":824.32,"endTime":824.56,"body":"help"},{"speaker":"SPEAKER_01","startTime":824.56,"endTime":824.72,"body":"you"},{"speaker":"SPEAKER_01","startTime":824.72,"endTime":824.88,"body":"if"},{"speaker":"SPEAKER_01","startTime":824.88,"endTime":824.96,"body":"your,"},{"speaker":"SPEAKER_01","startTime":825.28,"endTime":825.44,"body":"you"},{"speaker":"SPEAKER_01","startTime":825.44,"endTime":825.52,"body":"know,"},{"speaker":"SPEAKER_01","startTime":825.6,"endTime":825.68,"body":"the"},{"speaker":"SPEAKER_01","startTime":826.08,"endTime":826.72,"body":"portfolio"},{"speaker":"SPEAKER_01","startTime":826.72,"endTime":826.88,"body":"goes"},{"speaker":"SPEAKER_01","startTime":826.88,"endTime":827.12,"body":"down"},{"speaker":"SPEAKER_01","startTime":827.12,"endTime":827.6,"body":"50%"},{"speaker":"SPEAKER_01","startTime":828.24,"endTime":828.48,"body":"or"},{"speaker":"SPEAKER_01","startTime":828.48,"endTime":828.72,"body":"your"},{"speaker":"SPEAKER_01","startTime":828.72,"endTime":829.04,"body":"stock"},{"speaker":"SPEAKER_01","startTime":829.04,"endTime":829.2,"body":"goes"},{"speaker":"SPEAKER_01","startTime":829.2,"endTime":829.44,"body":"down"},{"speaker":"SPEAKER_01","startTime":829.44,"endTime":829.84,"body":"50%."},{"speaker":"SPEAKER_01","startTime":830.24,"endTime":830.48,"body":"And"},{"speaker":"SPEAKER_01","startTime":830.48,"endTime":830.64,"body":"by"},{"speaker":"SPEAKER_01","startTime":830.64,"endTime":830.72,"body":"the"},{"speaker":"SPEAKER_01","startTime":830.72,"endTime":830.88,"body":"way,"},{"speaker":"SPEAKER_01","startTime":831.04,"endTime":831.28,"body":"that"},{"speaker":"SPEAKER_01","startTime":831.28,"endTime":832.08,"body":"happens."},{"speaker":"SPEAKER_01","startTime":832.48,"endTime":832.72,"body":"Uh,"},{"speaker":"SPEAKER_01","startTime":832.96,"endTime":833.28,"body":"and"},{"speaker":"SPEAKER_01","startTime":833.28,"endTime":833.84,"body":"selling"},{"speaker":"SPEAKER_01","startTime":833.84,"endTime":834.24,"body":"puts"},{"speaker":"SPEAKER_01","startTime":834.4,"endTime":834.8,"body":"gets"},{"speaker":"SPEAKER_01","startTime":834.8,"endTime":835.04,"body":"even"},{"speaker":"SPEAKER_01","startTime":835.04,"endTime":835.28,"body":"more"},{"speaker":"SPEAKER_01","startTime":835.28,"endTime":835.84,"body":"complicated."},{"speaker":"SPEAKER_01","startTime":836.0,"endTime":836.16,"body":"So,"},{"speaker":"SPEAKER_01","startTime":836.24,"endTime":836.4,"body":"you"},{"speaker":"SPEAKER_01","startTime":836.4,"endTime":836.48,"body":"know,"},{"speaker":"SPEAKER_01","startTime":836.56,"endTime":836.72,"body":"you"},{"speaker":"SPEAKER_01","startTime":836.8,"endTime":836.88,"body":"I"},{"speaker":"SPEAKER_01","startTime":837.04,"endTime":837.2,"body":"you"},{"speaker":"SPEAKER_01","startTime":837.2,"endTime":837.44,"body":"you"},{"speaker":"SPEAKER_01","startTime":837.44,"endTime":837.6,"body":"think"},{"speaker":"SPEAKER_01","startTime":837.76,"endTime":837.92,"body":"I"},{"speaker":"SPEAKER_01","startTime":837.92,"endTime":838.24,"body":"wanted"},{"speaker":"SPEAKER_01","startTime":838.24,"endTime":838.32,"body":"to"},{"speaker":"SPEAKER_01","startTime":838.32,"endTime":838.56,"body":"buy,"},{"speaker":"SPEAKER_01","startTime":838.64,"endTime":838.8,"body":"so"},{"speaker":"SPEAKER_01","startTime":838.8,"endTime":838.96,"body":"why"},{"speaker":"SPEAKER_01","startTime":838.96,"endTime":839.2,"body":"don't"},{"speaker":"SPEAKER_01","startTime":839.2,"endTime":839.36,"body":"I"},{"speaker":"SPEAKER_01","startTime":839.36,"endTime":839.52,"body":"get"},{"speaker":"SPEAKER_01","startTime":839.6,"endTime":839.76,"body":"you"},{"speaker":"SPEAKER_01","startTime":839.76,"endTime":839.84,"body":"know"},{"speaker":"SPEAKER_01","startTime":839.92,"endTime":840.24,"body":"paid"},{"speaker":"SPEAKER_01","startTime":840.24,"endTime":840.48,"body":"while"},{"speaker":"SPEAKER_01","startTime":840.48,"endTime":840.88,"body":"waiting?"},{"speaker":"SPEAKER_01","startTime":841.04,"endTime":841.36,"body":"Well,"},{"speaker":"SPEAKER_01","startTime":841.6,"endTime":841.84,"body":"what"},{"speaker":"SPEAKER_01","startTime":841.84,"endTime":842.4,"body":"you're"},{"speaker":"SPEAKER_01","startTime":842.4,"endTime":842.72,"body":"really"},{"speaker":"SPEAKER_01","startTime":842.72,"endTime":843.28,"body":"doing"},{"speaker":"SPEAKER_01","startTime":843.28,"endTime":843.6,"body":"is"},{"speaker":"SPEAKER_01","startTime":843.76,"endTime":844.08,"body":"with"},{"speaker":"SPEAKER_01","startTime":844.08,"endTime":844.48,"body":"puts"},{"speaker":"SPEAKER_01","startTime":844.56,"endTime":844.72,"body":"is"},{"speaker":"SPEAKER_01","startTime":844.72,"endTime":844.96,"body":"taking"},{"speaker":"SPEAKER_01","startTime":844.96,"endTime":845.12,"body":"on"},{"speaker":"SPEAKER_01","startTime":845.12,"endTime":845.28,"body":"the"},{"speaker":"SPEAKER_01","startTime":845.28,"endTime":845.84,"body":"downside"},{"speaker":"SPEAKER_01","startTime":845.84,"endTime":846.0,"body":"in"},{"speaker":"SPEAKER_01","startTime":846.0,"endTime":846.4,"body":"exchange"},{"speaker":"SPEAKER_01","startTime":846.4,"endTime":846.48,"body":"for"},{"speaker":"SPEAKER_01","startTime":846.48,"endTime":846.64,"body":"a"},{"speaker":"SPEAKER_01","startTime":846.64,"endTime":846.8,"body":"little"},{"speaker":"SPEAKER_01","startTime":846.8,"endTime":847.28,"body":"premium."},{"speaker":"SPEAKER_01","startTime":847.44,"endTime":848.16,"body":"It's"},{"speaker":"SPEAKER_01","startTime":848.96,"endTime":849.28,"body":"this"},{"speaker":"SPEAKER_01","startTime":849.28,"endTime":849.6,"body":"whole"},{"speaker":"SPEAKER_01","startTime":849.6,"endTime":849.76,"body":"thing"},{"speaker":"SPEAKER_01","startTime":849.84,"endTime":850.08,"body":"is"},{"speaker":"SPEAKER_01","startTime":850.16,"endTime":850.32,"body":"it"},{"speaker":"SPEAKER_01","startTime":850.32,"endTime":850.4,"body":"the"},{"speaker":"SPEAKER_01","startTime":850.56,"endTime":850.8,"body":"it"},{"speaker":"SPEAKER_01","startTime":850.8,"endTime":851.12,"body":"is"},{"speaker":"SPEAKER_01","startTime":851.12,"endTime":851.68,"body":"complex."},{"speaker":"SPEAKER_01","startTime":851.84,"endTime":852.08,"body":"We"},{"speaker":"SPEAKER_01","startTime":852.16,"endTime":852.56,"body":"you're"},{"speaker":"SPEAKER_01","startTime":852.56,"endTime":852.72,"body":"right,"},{"speaker":"SPEAKER_01","startTime":852.88,"endTime":853.04,"body":"we"},{"speaker":"SPEAKER_01","startTime":853.04,"endTime":853.36,"body":"don't"},{"speaker":"SPEAKER_01","startTime":853.36,"endTime":853.6,"body":"like"},{"speaker":"SPEAKER_01","startTime":853.6,"endTime":854.32,"body":"complexity."},{"speaker":"SPEAKER_01","startTime":854.56,"endTime":855.28,"body":"Tax-wise,"},{"speaker":"SPEAKER_01","startTime":855.36,"endTime":855.52,"body":"it's"},{"speaker":"SPEAKER_01","startTime":855.52,"endTime":855.6,"body":"a"},{"speaker":"SPEAKER_01","startTime":855.6,"endTime":855.84,"body":"pain"},{"speaker":"SPEAKER_01","startTime":855.84,"endTime":855.92,"body":"in"},{"speaker":"SPEAKER_01","startTime":855.92,"endTime":856.0,"body":"the"},{"speaker":"SPEAKER_01","startTime":856.0,"endTime":856.24,"body":"neck."},{"speaker":"SPEAKER_01","startTime":856.4,"endTime":856.48,"body":"You"},{"speaker":"SPEAKER_01","startTime":856.64,"endTime":856.8,"body":"got"},{"speaker":"SPEAKER_01","startTime":856.8,"endTime":857.28,"body":"trading"},{"speaker":"SPEAKER_01","startTime":857.28,"endTime":857.44,"body":"that"},{"speaker":"SPEAKER_01","startTime":857.44,"endTime":857.76,"body":"you've"},{"speaker":"SPEAKER_01","startTime":857.76,"endTime":857.84,"body":"got"},{"speaker":"SPEAKER_01","startTime":857.84,"endTime":858.0,"body":"to"},{"speaker":"SPEAKER_01","startTime":858.0,"endTime":858.24,"body":"do"},{"speaker":"SPEAKER_01","startTime":858.24,"endTime":858.48,"body":"with"},{"speaker":"SPEAKER_01","startTime":858.48,"endTime":859.12,"body":"commissions"},{"speaker":"SPEAKER_01","startTime":859.12,"endTime":859.92,"body":"involved."},{"speaker":"SPEAKER_01","startTime":860.08,"endTime":860.32,"body":"Uh,"},{"speaker":"SPEAKER_01","startTime":860.48,"endTime":860.96,"body":"you've"},{"speaker":"SPEAKER_01","startTime":860.96,"endTime":861.12,"body":"got"},{"speaker":"SPEAKER_01","startTime":861.12,"endTime":861.28,"body":"to"},{"speaker":"SPEAKER_01","startTime":861.28,"endTime":861.52,"body":"make"},{"speaker":"SPEAKER_01","startTime":861.52,"endTime":861.68,"body":"these"},{"speaker":"SPEAKER_01","startTime":861.68,"endTime":862.24,"body":"decisions"},{"speaker":"SPEAKER_01","startTime":862.32,"endTime":862.56,"body":"and"},{"speaker":"SPEAKER_01","startTime":862.56,"endTime":862.8,"body":"you've"},{"speaker":"SPEAKER_01","startTime":862.8,"endTime":862.96,"body":"got"},{"speaker":"SPEAKER_01","startTime":862.96,"endTime":863.12,"body":"to"},{"speaker":"SPEAKER_01","startTime":863.12,"endTime":863.44,"body":"make"},{"speaker":"SPEAKER_01","startTime":863.44,"endTime":863.76,"body":"them"},{"speaker":"SPEAKER_01","startTime":864.08,"endTime":864.4,"body":"with"},{"speaker":"SPEAKER_01","startTime":864.88,"endTime":865.2,"body":"the"},{"speaker":"SPEAKER_01","startTime":865.2,"endTime":865.76,"body":"drag"},{"speaker":"SPEAKER_01","startTime":865.76,"endTime":866.0,"body":"of"},{"speaker":"SPEAKER_01","startTime":866.0,"endTime":866.48,"body":"human"},{"speaker":"SPEAKER_01","startTime":866.48,"endTime":867.44,"body":"emotions."},{"speaker":"SPEAKER_01","startTime":867.84,"endTime":868.16,"body":"And"},{"speaker":"SPEAKER_01","startTime":868.16,"endTime":868.96,"body":"historically,"},{"speaker":"SPEAKER_01","startTime":869.04,"endTime":869.36,"body":"the"},{"speaker":"SPEAKER_01","startTime":869.36,"endTime":869.92,"body":"long-term"},{"speaker":"SPEAKER_01","startTime":869.92,"endTime":870.56,"body":"returns"},{"speaker":"SPEAKER_01","startTime":870.56,"endTime":870.8,"body":"have"},{"speaker":"SPEAKER_01","startTime":870.8,"endTime":870.96,"body":"been"},{"speaker":"SPEAKER_01","startTime":870.96,"endTime":871.52,"body":"lower"},{"speaker":"SPEAKER_01","startTime":871.52,"endTime":871.68,"body":"than"},{"speaker":"SPEAKER_01","startTime":871.68,"endTime":872.08,"body":"simply"},{"speaker":"SPEAKER_01","startTime":872.08,"endTime":872.4,"body":"buying"},{"speaker":"SPEAKER_01","startTime":872.4,"endTime":872.56,"body":"and"},{"speaker":"SPEAKER_01","startTime":872.56,"endTime":872.88,"body":"holding"},{"speaker":"SPEAKER_01","startTime":872.88,"endTime":872.96,"body":"a"},{"speaker":"SPEAKER_01","startTime":872.96,"endTime":873.44,"body":"globally"},{"speaker":"SPEAKER_01","startTime":873.44,"endTime":874.0,"body":"diversified"},{"speaker":"SPEAKER_01","startTime":874.0,"endTime":874.56,"body":"portfolio"},{"speaker":"SPEAKER_01","startTime":874.56,"endTime":874.72,"body":"of"},{"speaker":"SPEAKER_01","startTime":874.72,"endTime":875.68,"body":"equities."},{"speaker":"SPEAKER_01","startTime":876.64,"endTime":877.6,"body":"Historically,"},{"speaker":"SPEAKER_01","startTime":877.84,"endTime":878.16,"body":"so"},{"speaker":"SPEAKER_01","startTime":879.6,"endTime":880.24,"body":"markets"},{"speaker":"SPEAKER_01","startTime":880.24,"endTime":880.4,"body":"are"},{"speaker":"SPEAKER_01","startTime":880.4,"endTime":880.64,"body":"too"},{"speaker":"SPEAKER_01","startTime":880.64,"endTime":881.12,"body":"efficient"},{"speaker":"SPEAKER_01","startTime":881.12,"endTime":881.28,"body":"for"},{"speaker":"SPEAKER_01","startTime":881.28,"endTime":881.44,"body":"these"},{"speaker":"SPEAKER_01","startTime":881.44,"endTime":881.68,"body":"kinds"},{"speaker":"SPEAKER_01","startTime":881.68,"endTime":881.84,"body":"of"},{"speaker":"SPEAKER_01","startTime":881.84,"endTime":882.08,"body":"things"},{"speaker":"SPEAKER_01","startTime":882.08,"endTime":882.32,"body":"to"},{"speaker":"SPEAKER_01","startTime":882.32,"endTime":882.64,"body":"work"},{"speaker":"SPEAKER_01","startTime":882.64,"endTime":882.96,"body":"well."},{"speaker":"SPEAKER_01","startTime":883.36,"endTime":883.68,"body":"I"},{"speaker":"SPEAKER_01","startTime":884.0,"endTime":884.32,"body":"I"},{"speaker":"SPEAKER_01","startTime":884.32,"endTime":884.56,"body":"would"},{"speaker":"SPEAKER_01","startTime":884.56,"endTime":885.04,"body":"suggest"},{"speaker":"SPEAKER_01","startTime":885.04,"endTime":885.36,"body":"against"},{"speaker":"SPEAKER_01","startTime":885.36,"endTime":885.52,"body":"it."},{"speaker":"SPEAKER_01","startTime":885.68,"endTime":885.92,"body":"I"},{"speaker":"SPEAKER_01","startTime":885.92,"endTime":886.24,"body":"think"},{"speaker":"SPEAKER_01","startTime":886.24,"endTime":886.48,"body":"most"},{"speaker":"SPEAKER_01","startTime":886.48,"endTime":886.8,"body":"good"},{"speaker":"SPEAKER_01","startTime":886.8,"endTime":887.52,"body":"advisors"},{"speaker":"SPEAKER_01","startTime":887.52,"endTime":887.68,"body":"would"},{"speaker":"SPEAKER_01","startTime":887.68,"endTime":887.92,"body":"also"},{"speaker":"SPEAKER_01","startTime":887.92,"endTime":888.56,"body":"suggest"},{"speaker":"SPEAKER_01","startTime":888.56,"endTime":889.2,"body":"against"},{"speaker":"SPEAKER_01","startTime":889.2,"endTime":889.52,"body":"it."},{"speaker":"SPEAKER_01","startTime":889.84,"endTime":890.24,"body":"It's"},{"speaker":"SPEAKER_01","startTime":890.24,"endTime":890.56,"body":"a"},{"speaker":"SPEAKER_01","startTime":890.56,"endTime":891.2,"body":"gaming"},{"speaker":"SPEAKER_01","startTime":891.2,"endTime":891.84,"body":"strategy"},{"speaker":"SPEAKER_01","startTime":892.16,"endTime":892.48,"body":"that"},{"speaker":"SPEAKER_01","startTime":892.48,"endTime":893.12,"body":"feels"},{"speaker":"SPEAKER_01","startTime":893.12,"endTime":893.36,"body":"like"},{"speaker":"SPEAKER_01","startTime":893.36,"endTime":893.76,"body":"it's"},{"speaker":"SPEAKER_01","startTime":893.76,"endTime":894.4,"body":"disciplined,"},{"speaker":"SPEAKER_01","startTime":894.48,"endTime":894.56,"body":"but"},{"speaker":"SPEAKER_01","startTime":894.56,"endTime":894.8,"body":"it's"},{"speaker":"SPEAKER_01","startTime":894.8,"endTime":894.96,"body":"really"},{"speaker":"SPEAKER_01","startTime":894.96,"endTime":895.2,"body":"hard"},{"speaker":"SPEAKER_01","startTime":895.2,"endTime":895.28,"body":"to"},{"speaker":"SPEAKER_01","startTime":895.28,"endTime":895.6,"body":"pull"},{"speaker":"SPEAKER_01","startTime":895.6,"endTime":895.84,"body":"off."},{"speaker":"SPEAKER_01","startTime":896.08,"endTime":896.48,"body":"Thanks"},{"speaker":"SPEAKER_01","startTime":896.48,"endTime":896.72,"body":"so"},{"speaker":"SPEAKER_01","startTime":896.72,"endTime":896.88,"body":"much"},{"speaker":"SPEAKER_01","startTime":896.88,"endTime":897.04,"body":"for"},{"speaker":"SPEAKER_01","startTime":897.04,"endTime":897.28,"body":"your"},{"speaker":"SPEAKER_01","startTime":897.28,"endTime":897.68,"body":"question."},{"speaker":"SPEAKER_01","startTime":897.84,"endTime":898.32,"body":"We've"},{"speaker":"SPEAKER_01","startTime":898.32,"endTime":898.48,"body":"got"},{"speaker":"SPEAKER_01","startTime":898.48,"endTime":898.72,"body":"more"},{"speaker":"SPEAKER_01","startTime":898.72,"endTime":899.12,"body":"coming"},{"speaker":"SPEAKER_01","startTime":899.12,"endTime":899.28,"body":"up,"},{"speaker":"SPEAKER_01","startTime":899.36,"endTime":899.68,"body":"like,"},{"speaker":"SPEAKER_01","startTime":899.76,"endTime":900.0,"body":"well,"},{"speaker":"SPEAKER_01","startTime":900.16,"endTime":900.48,"body":"this"},{"speaker":"SPEAKER_01","startTime":900.48,"endTime":900.72,"body":"one."},{"speaker":"SPEAKER_04","startTime":901.04,"endTime":901.36,"body":"Hey,"},{"speaker":"SPEAKER_04","startTime":901.44,"endTime":901.6,"body":"good"},{"speaker":"SPEAKER_04","startTime":901.6,"endTime":901.92,"body":"morning."},{"speaker":"SPEAKER_04","startTime":902.16,"endTime":902.48,"body":"Listen"},{"speaker":"SPEAKER_04","startTime":902.64,"endTime":902.88,"body":"to"},{"speaker":"SPEAKER_04","startTime":902.88,"endTime":903.2,"body":"your"},{"speaker":"SPEAKER_04","startTime":903.2,"endTime":903.76,"body":"podcast"},{"speaker":"SPEAKER_04","startTime":903.84,"endTime":904.0,"body":"where"},{"speaker":"SPEAKER_04","startTime":904.0,"endTime":904.24,"body":"you're"},{"speaker":"SPEAKER_04","startTime":904.24,"endTime":904.48,"body":"talking"},{"speaker":"SPEAKER_04","startTime":904.48,"endTime":904.72,"body":"about"},{"speaker":"SPEAKER_04","startTime":904.72,"endTime":905.36,"body":"emerging"},{"speaker":"SPEAKER_04","startTime":905.52,"endTime":906.16,"body":"markets."},{"speaker":"SPEAKER_04","startTime":906.64,"endTime":906.88,"body":"I'm"},{"speaker":"SPEAKER_04","startTime":906.96,"endTime":907.28,"body":"making"},{"speaker":"SPEAKER_04","startTime":907.28,"endTime":907.68,"body":"sure"},{"speaker":"SPEAKER_04","startTime":907.68,"endTime":908.0,"body":"we"},{"speaker":"SPEAKER_04","startTime":908.0,"endTime":908.32,"body":"have"},{"speaker":"SPEAKER_04","startTime":909.6,"endTime":909.92,"body":"some"},{"speaker":"SPEAKER_04","startTime":909.92,"endTime":910.08,"body":"of"},{"speaker":"SPEAKER_04","startTime":910.08,"endTime":910.24,"body":"our"},{"speaker":"SPEAKER_04","startTime":910.24,"endTime":910.56,"body":"money"},{"speaker":"SPEAKER_04","startTime":910.56,"endTime":910.96,"body":"invested"},{"speaker":"SPEAKER_04","startTime":910.96,"endTime":911.12,"body":"there,"},{"speaker":"SPEAKER_04","startTime":911.28,"endTime":911.44,"body":"about"},{"speaker":"SPEAKER_04","startTime":911.44,"endTime":911.68,"body":"10%"},{"speaker":"SPEAKER_04","startTime":912.0,"endTime":912.16,"body":"of"},{"speaker":"SPEAKER_04","startTime":912.16,"endTime":912.32,"body":"the"},{"speaker":"SPEAKER_04","startTime":912.32,"endTime":913.2,"body":"convention."},{"speaker":"SPEAKER_04","startTime":914.08,"endTime":914.32,"body":"And"},{"speaker":"SPEAKER_04","startTime":914.32,"endTime":914.64,"body":"again,"},{"speaker":"SPEAKER_04","startTime":914.8,"endTime":915.12,"body":"you"},{"speaker":"SPEAKER_04","startTime":915.12,"endTime":915.76,"body":"mention"},{"speaker":"SPEAKER_04","startTime":916.08,"endTime":917.04,"body":"Avantis"},{"speaker":"SPEAKER_04","startTime":917.12,"endTime":917.44,"body":"funds"},{"speaker":"SPEAKER_04","startTime":917.44,"endTime":917.68,"body":"and"},{"speaker":"SPEAKER_04","startTime":917.68,"endTime":918.4,"body":"dimensional"},{"speaker":"SPEAKER_04","startTime":918.4,"endTime":919.04,"body":"funds."},{"speaker":"SPEAKER_04","startTime":919.28,"endTime":919.44,"body":"But"},{"speaker":"SPEAKER_04","startTime":919.6,"endTime":919.92,"body":"make"},{"speaker":"SPEAKER_04","startTime":919.92,"endTime":920.16,"body":"no"},{"speaker":"SPEAKER_04","startTime":920.16,"endTime":920.64,"body":"mention"},{"speaker":"SPEAKER_04","startTime":920.64,"endTime":920.96,"body":"of"},{"speaker":"SPEAKER_04","startTime":920.96,"endTime":921.28,"body":"other"},{"speaker":"SPEAKER_04","startTime":921.28,"endTime":921.92,"body":"funds."},{"speaker":"SPEAKER_04","startTime":922.8,"endTime":922.96,"body":"And"},{"speaker":"SPEAKER_04","startTime":922.96,"endTime":923.28,"body":"I've"},{"speaker":"SPEAKER_04","startTime":923.28,"endTime":923.6,"body":"asked"},{"speaker":"SPEAKER_04","startTime":923.6,"endTime":923.76,"body":"you"},{"speaker":"SPEAKER_04","startTime":923.76,"endTime":923.92,"body":"this"},{"speaker":"SPEAKER_04","startTime":923.92,"endTime":924.16,"body":"in"},{"speaker":"SPEAKER_04","startTime":924.16,"endTime":924.48,"body":"the"},{"speaker":"SPEAKER_04","startTime":924.48,"endTime":924.8,"body":"past."},{"speaker":"SPEAKER_04","startTime":926.4,"endTime":926.72,"body":"And"},{"speaker":"SPEAKER_04","startTime":926.72,"endTime":926.96,"body":"you"},{"speaker":"SPEAKER_04","startTime":926.96,"endTime":927.2,"body":"say"},{"speaker":"SPEAKER_04","startTime":927.2,"endTime":927.44,"body":"you"},{"speaker":"SPEAKER_04","startTime":927.44,"endTime":927.76,"body":"don't"},{"speaker":"SPEAKER_04","startTime":927.76,"endTime":928.08,"body":"get"},{"speaker":"SPEAKER_04","startTime":928.4,"endTime":928.72,"body":"any"},{"speaker":"SPEAKER_04","startTime":928.72,"endTime":929.68,"body":"compensation"},{"speaker":"SPEAKER_04","startTime":929.68,"endTime":929.84,"body":"for"},{"speaker":"SPEAKER_04","startTime":929.84,"endTime":930.48,"body":"mentioning"},{"speaker":"SPEAKER_04","startTime":930.48,"endTime":931.12,"body":"those"},{"speaker":"SPEAKER_04","startTime":931.36,"endTime":931.68,"body":"two"},{"speaker":"SPEAKER_04","startTime":931.68,"endTime":932.48,"body":"particular"},{"speaker":"SPEAKER_04","startTime":932.48,"endTime":933.12,"body":"investment"},{"speaker":"SPEAKER_04","startTime":933.12,"endTime":933.6,"body":"firms,"},{"speaker":"SPEAKER_04","startTime":933.84,"endTime":934.08,"body":"but"},{"speaker":"SPEAKER_04","startTime":934.88,"endTime":935.12,"body":"it"},{"speaker":"SPEAKER_04","startTime":935.12,"endTime":935.44,"body":"sure"},{"speaker":"SPEAKER_04","startTime":935.44,"endTime":936.08,"body":"seems"},{"speaker":"SPEAKER_04","startTime":936.08,"endTime":936.4,"body":"like"},{"speaker":"SPEAKER_04","startTime":936.4,"endTime":937.04,"body":"you're"},{"speaker":"SPEAKER_04","startTime":937.04,"endTime":937.92,"body":"killing"},{"speaker":"SPEAKER_04","startTime":938.16,"endTime":938.56,"body":"those"},{"speaker":"SPEAKER_04","startTime":938.56,"endTime":938.8,"body":"two"},{"speaker":"SPEAKER_04","startTime":938.8,"endTime":939.36,"body":"companies"},{"speaker":"SPEAKER_04","startTime":939.36,"endTime":939.68,"body":"more"},{"speaker":"SPEAKER_04","startTime":939.68,"endTime":939.92,"body":"than"},{"speaker":"SPEAKER_04","startTime":939.92,"endTime":940.16,"body":"any"},{"speaker":"SPEAKER_04","startTime":940.16,"endTime":940.32,"body":"other"},{"speaker":"SPEAKER_04","startTime":940.32,"endTime":940.72,"body":"company,"},{"speaker":"SPEAKER_04","startTime":940.8,"endTime":941.36,"body":"despite"},{"speaker":"SPEAKER_04","startTime":941.36,"endTime":941.68,"body":"their"},{"speaker":"SPEAKER_04","startTime":941.68,"endTime":942.32,"body":"high"},{"speaker":"SPEAKER_04","startTime":942.32,"endTime":942.88,"body":"fee"},{"speaker":"SPEAKER_04","startTime":942.88,"endTime":943.52,"body":"structure."},{"speaker":"SPEAKER_04","startTime":943.76,"endTime":944.08,"body":"That's"},{"speaker":"SPEAKER_04","startTime":944.08,"endTime":944.24,"body":"what"},{"speaker":"SPEAKER_04","startTime":944.24,"endTime":944.4,"body":"I"},{"speaker":"SPEAKER_04","startTime":944.4,"endTime":944.64,"body":"don't"},{"speaker":"SPEAKER_04","startTime":944.64,"endTime":945.04,"body":"understand."},{"speaker":"SPEAKER_04","startTime":945.12,"endTime":945.36,"body":"If"},{"speaker":"SPEAKER_04","startTime":945.36,"endTime":945.52,"body":"you"},{"speaker":"SPEAKER_04","startTime":945.52,"endTime":945.92,"body":"keep"},{"speaker":"SPEAKER_04","startTime":945.92,"endTime":946.4,"body":"pushing"},{"speaker":"SPEAKER_04","startTime":946.4,"endTime":946.72,"body":"those"},{"speaker":"SPEAKER_04","startTime":946.72,"endTime":946.96,"body":"two"},{"speaker":"SPEAKER_04","startTime":946.96,"endTime":947.44,"body":"type"},{"speaker":"SPEAKER_04","startTime":947.44,"endTime":948.08,"body":"funds"},{"speaker":"SPEAKER_04","startTime":948.4,"endTime":948.56,"body":"or"},{"speaker":"SPEAKER_04","startTime":948.8,"endTime":949.04,"body":"two"},{"speaker":"SPEAKER_04","startTime":949.04,"endTime":949.68,"body":"investment"},{"speaker":"SPEAKER_04","startTime":949.68,"endTime":950.48,"body":"firms,"},{"speaker":"SPEAKER_04","startTime":952.24,"endTime":952.72,"body":"yet"},{"speaker":"SPEAKER_04","startTime":952.96,"endTime":953.28,"body":"their"},{"speaker":"SPEAKER_04","startTime":954.8,"endTime":955.44,"body":"fees"},{"speaker":"SPEAKER_04","startTime":955.44,"endTime":955.6,"body":"are"},{"speaker":"SPEAKER_04","startTime":955.6,"endTime":956.56,"body":"extraordinarily"},{"speaker":"SPEAKER_04","startTime":956.56,"endTime":957.04,"body":"high"},{"speaker":"SPEAKER_04","startTime":957.04,"endTime":957.6,"body":"compared"},{"speaker":"SPEAKER_04","startTime":957.6,"endTime":957.76,"body":"to"},{"speaker":"SPEAKER_04","startTime":957.76,"endTime":958.08,"body":"other"},{"speaker":"SPEAKER_04","startTime":958.08,"endTime":958.32,"body":"funds"},{"speaker":"SPEAKER_04","startTime":958.4,"endTime":958.64,"body":"like"},{"speaker":"SPEAKER_04","startTime":958.64,"endTime":959.12,"body":"Vexus,"},{"speaker":"SPEAKER_04","startTime":959.28,"endTime":959.44,"body":"for"},{"speaker":"SPEAKER_04","startTime":959.44,"endTime":959.6,"body":"instance,"},{"speaker":"SPEAKER_04","startTime":959.76,"endTime":960.8,"body":"VXUS"},{"speaker":"SPEAKER_04","startTime":961.52,"endTime":962.08,"body":"invests"},{"speaker":"SPEAKER_04","startTime":962.08,"endTime":962.24,"body":"in"},{"speaker":"SPEAKER_04","startTime":962.24,"endTime":962.8,"body":"emerging"},{"speaker":"SPEAKER_04","startTime":962.8,"endTime":963.44,"body":"markets."},{"speaker":"SPEAKER_04","startTime":964.16,"endTime":964.48,"body":"About"},{"speaker":"SPEAKER_04","startTime":964.48,"endTime":964.8,"body":"20"},{"speaker":"SPEAKER_04","startTime":964.8,"endTime":965.04,"body":"to"},{"speaker":"SPEAKER_04","startTime":965.04,"endTime":965.44,"body":"25%"},{"speaker":"SPEAKER_04","startTime":965.76,"endTime":966.0,"body":"is"},{"speaker":"SPEAKER_04","startTime":966.0,"endTime":966.56,"body":"covered"},{"speaker":"SPEAKER_04","startTime":966.8,"endTime":967.04,"body":"if"},{"speaker":"SPEAKER_04","startTime":967.04,"endTime":967.28,"body":"we"},{"speaker":"SPEAKER_04","startTime":967.28,"endTime":967.6,"body":"just"},{"speaker":"SPEAKER_04","startTime":967.6,"endTime":967.92,"body":"have"},{"speaker":"SPEAKER_04","startTime":968.24,"endTime":969.36,"body":"VXUS"},{"speaker":"SPEAKER_04","startTime":969.36,"endTime":969.52,"body":"and"},{"speaker":"SPEAKER_04","startTime":969.52,"endTime":969.68,"body":"have"},{"speaker":"SPEAKER_04","startTime":969.68,"endTime":969.84,"body":"the"},{"speaker":"SPEAKER_04","startTime":969.84,"endTime":970.24,"body":"entire"},{"speaker":"SPEAKER_04","startTime":970.24,"endTime":970.88,"body":"international"},{"speaker":"SPEAKER_04","startTime":970.88,"endTime":971.2,"body":"market,"},{"speaker":"SPEAKER_04","startTime":971.92,"endTime":972.24,"body":"um,"},{"speaker":"SPEAKER_04","startTime":972.56,"endTime":972.8,"body":"but"},{"speaker":"SPEAKER_04","startTime":973.04,"endTime":973.36,"body":"is"},{"speaker":"SPEAKER_04","startTime":974.32,"endTime":974.48,"body":"a"},{"speaker":"SPEAKER_04","startTime":974.48,"endTime":974.8,"body":"heck"},{"speaker":"SPEAKER_04","startTime":974.8,"endTime":974.96,"body":"of"},{"speaker":"SPEAKER_04","startTime":974.96,"endTime":975.12,"body":"a"},{"speaker":"SPEAKER_04","startTime":975.12,"endTime":975.28,"body":"lot"},{"speaker":"SPEAKER_04","startTime":975.28,"endTime":976.08,"body":"cheaper"},{"speaker":"SPEAKER_04","startTime":976.08,"endTime":976.4,"body":"than"},{"speaker":"SPEAKER_04","startTime":976.4,"endTime":976.64,"body":"the"},{"speaker":"SPEAKER_04","startTime":976.64,"endTime":977.2,"body":"dimensional"},{"speaker":"SPEAKER_04","startTime":977.2,"endTime":977.44,"body":"or"},{"speaker":"SPEAKER_04","startTime":977.44,"endTime":978.0,"body":"Avantus"},{"speaker":"SPEAKER_04","startTime":978.24,"endTime":978.72,"body":"funds."},{"speaker":"SPEAKER_04","startTime":979.52,"endTime":979.84,"body":"So"},{"speaker":"SPEAKER_04","startTime":980.8,"endTime":980.96,"body":"I"},{"speaker":"SPEAKER_04","startTime":980.96,"endTime":981.28,"body":"don't"},{"speaker":"SPEAKER_04","startTime":981.28,"endTime":981.36,"body":"know,"},{"speaker":"SPEAKER_04","startTime":981.52,"endTime":981.76,"body":"from"},{"speaker":"SPEAKER_04","startTime":981.76,"endTime":982.0,"body":"just"},{"speaker":"SPEAKER_04","startTime":982.0,"endTime":982.16,"body":"a"},{"speaker":"SPEAKER_04","startTime":982.16,"endTime":982.64,"body":"listener"},{"speaker":"SPEAKER_04","startTime":982.72,"endTime":983.44,"body":"standpoint,"},{"speaker":"SPEAKER_04","startTime":985.12,"endTime":985.44,"body":"I"},{"speaker":"SPEAKER_04","startTime":985.44,"endTime":985.68,"body":"just"},{"speaker":"SPEAKER_04","startTime":985.68,"endTime":985.84,"body":"get"},{"speaker":"SPEAKER_04","startTime":985.84,"endTime":986.0,"body":"the"},{"speaker":"SPEAKER_04","startTime":986.0,"endTime":986.56,"body":"impression"},{"speaker":"SPEAKER_04","startTime":986.56,"endTime":986.72,"body":"that"},{"speaker":"SPEAKER_04","startTime":986.8,"endTime":987.04,"body":"uh"},{"speaker":"SPEAKER_04","startTime":987.92,"endTime":988.08,"body":"I"},{"speaker":"SPEAKER_04","startTime":988.08,"endTime":988.32,"body":"don't"},{"speaker":"SPEAKER_04","startTime":988.32,"endTime":988.48,"body":"know,"},{"speaker":"SPEAKER_04","startTime":988.56,"endTime":988.96,"body":"something's"},{"speaker":"SPEAKER_04","startTime":988.96,"endTime":989.12,"body":"going"},{"speaker":"SPEAKER_04","startTime":989.12,"endTime":989.28,"body":"on"},{"speaker":"SPEAKER_04","startTime":989.28,"endTime":989.44,"body":"with"},{"speaker":"SPEAKER_04","startTime":989.44,"endTime":989.84,"body":"those"},{"speaker":"SPEAKER_04","startTime":989.84,"endTime":990.4,"body":"Avantis"},{"speaker":"SPEAKER_04","startTime":990.56,"endTime":990.72,"body":"and"},{"speaker":"SPEAKER_04","startTime":990.72,"endTime":991.2,"body":"Dimensional"},{"speaker":"SPEAKER_04","startTime":991.2,"endTime":991.44,"body":"funds"},{"speaker":"SPEAKER_04","startTime":991.52,"endTime":991.68,"body":"for"},{"speaker":"SPEAKER_04","startTime":991.68,"endTime":991.76,"body":"you"},{"speaker":"SPEAKER_04","startTime":991.76,"endTime":991.92,"body":"guys"},{"speaker":"SPEAKER_04","startTime":991.92,"endTime":992.08,"body":"to"},{"speaker":"SPEAKER_04","startTime":992.08,"endTime":992.24,"body":"be"},{"speaker":"SPEAKER_04","startTime":992.24,"endTime":992.72,"body":"mentioning"},{"speaker":"SPEAKER_04","startTime":992.72,"endTime":993.04,"body":"them"},{"speaker":"SPEAKER_04","startTime":993.04,"endTime":993.2,"body":"all"},{"speaker":"SPEAKER_04","startTime":993.2,"endTime":993.44,"body":"the"},{"speaker":"SPEAKER_04","startTime":993.44,"endTime":993.6,"body":"time"},{"speaker":"SPEAKER_04","startTime":993.76,"endTime":993.92,"body":"in"},{"speaker":"SPEAKER_04","startTime":993.92,"endTime":994.16,"body":"just"},{"speaker":"SPEAKER_04","startTime":994.16,"endTime":994.4,"body":"about"},{"speaker":"SPEAKER_04","startTime":994.4,"endTime":994.96,"body":"every"},{"speaker":"SPEAKER_04","startTime":994.96,"endTime":995.68,"body":"podcast"},{"speaker":"SPEAKER_04","startTime":995.84,"endTime":996.0,"body":"or"},{"speaker":"SPEAKER_04","startTime":996.32,"endTime":996.72,"body":"they're"},{"speaker":"SPEAKER_04","startTime":996.72,"endTime":997.04,"body":"pushed."},{"speaker":"SPEAKER_04","startTime":997.12,"endTime":997.28,"body":"And"},{"speaker":"SPEAKER_04","startTime":997.28,"endTime":997.52,"body":"even"},{"speaker":"SPEAKER_04","startTime":997.52,"endTime":997.84,"body":"the"},{"speaker":"SPEAKER_04","startTime":997.84,"endTime":998.16,"body":"the"},{"speaker":"SPEAKER_04","startTime":998.16,"endTime":998.8,"body":"callers"},{"speaker":"SPEAKER_04","startTime":999.52,"endTime":1000.08,"body":"questions"},{"speaker":"SPEAKER_04","startTime":1000.32,"endTime":1000.8,"body":"talk"},{"speaker":"SPEAKER_04","startTime":1000.8,"endTime":1001.04,"body":"about"},{"speaker":"SPEAKER_04","startTime":1001.04,"endTime":1001.52,"body":"those"},{"speaker":"SPEAKER_04","startTime":1001.52,"endTime":1002.16,"body":"funds"},{"speaker":"SPEAKER_04","startTime":1002.64,"endTime":1003.04,"body":"almost"},{"speaker":"SPEAKER_04","startTime":1003.04,"endTime":1003.2,"body":"as"},{"speaker":"SPEAKER_04","startTime":1003.2,"endTime":1003.36,"body":"if"},{"speaker":"SPEAKER_04","startTime":1003.36,"endTime":1003.6,"body":"it's"},{"speaker":"SPEAKER_04","startTime":1003.6,"endTime":1003.76,"body":"a"},{"speaker":"SPEAKER_04","startTime":1003.76,"endTime":1004.08,"body":"stage"},{"speaker":"SPEAKER_04","startTime":1004.16,"endTime":1004.4,"body":"thing."},{"speaker":"SPEAKER_04","startTime":1004.48,"endTime":1004.64,"body":"I"},{"speaker":"SPEAKER_04","startTime":1004.64,"endTime":1005.04,"body":"don't"},{"speaker":"SPEAKER_04","startTime":1005.04,"endTime":1005.28,"body":"know."},{"speaker":"SPEAKER_04","startTime":1005.84,"endTime":1006.16,"body":"More"},{"speaker":"SPEAKER_04","startTime":1006.16,"endTime":1006.32,"body":"of"},{"speaker":"SPEAKER_04","startTime":1006.32,"endTime":1006.4,"body":"a"},{"speaker":"SPEAKER_04","startTime":1006.4,"endTime":1006.8,"body":"comment"},{"speaker":"SPEAKER_04","startTime":1006.8,"endTime":1006.96,"body":"than"},{"speaker":"SPEAKER_04","startTime":1006.96,"endTime":1007.12,"body":"a"},{"speaker":"SPEAKER_04","startTime":1007.12,"endTime":1007.36,"body":"question,"},{"speaker":"SPEAKER_04","startTime":1007.44,"endTime":1007.68,"body":"I"},{"speaker":"SPEAKER_04","startTime":1007.68,"endTime":1008.0,"body":"guess."},{"speaker":"SPEAKER_04","startTime":1008.24,"endTime":1008.96,"body":"Thanks."},{"speaker":"SPEAKER_01","startTime":1009.44,"endTime":1009.92,"body":"Enjoy"},{"speaker":"SPEAKER_01","startTime":1010.0,"endTime":1010.24,"body":"listening"},{"speaker":"SPEAKER_01","startTime":1010.24,"endTime":1010.32,"body":"to"},{"speaker":"SPEAKER_01","startTime":1010.32,"endTime":1010.4,"body":"the"},{"speaker":"SPEAKER_01","startTime":1010.4,"endTime":1010.56,"body":"show."},{"speaker":"SPEAKER_01","startTime":1010.88,"endTime":1011.2,"body":"Thanks"},{"speaker":"SPEAKER_01","startTime":1011.2,"endTime":1011.44,"body":"for"},{"speaker":"SPEAKER_01","startTime":1011.44,"endTime":1011.6,"body":"that."},{"speaker":"SPEAKER_01","startTime":1011.76,"endTime":1012.08,"body":"Uh"},{"speaker":"SPEAKER_01","startTime":1012.32,"endTime":1012.48,"body":"you"},{"speaker":"SPEAKER_01","startTime":1012.96,"endTime":1013.36,"body":"you're"},{"speaker":"SPEAKER_01","startTime":1013.36,"endTime":1013.6,"body":"uh"},{"speaker":"SPEAKER_01","startTime":1013.6,"endTime":1013.84,"body":"you're"},{"speaker":"SPEAKER_01","startTime":1013.84,"endTime":1014.0,"body":"a"},{"speaker":"SPEAKER_01","startTime":1014.0,"endTime":1014.24,"body":"man"},{"speaker":"SPEAKER_01","startTime":1014.24,"endTime":1014.56,"body":"after"},{"speaker":"SPEAKER_01","startTime":1014.56,"endTime":1014.72,"body":"my"},{"speaker":"SPEAKER_01","startTime":1014.72,"endTime":1015.04,"body":"own"},{"speaker":"SPEAKER_01","startTime":1015.04,"endTime":1015.36,"body":"heart,"},{"speaker":"SPEAKER_01","startTime":1015.52,"endTime":1015.76,"body":"a"},{"speaker":"SPEAKER_01","startTime":1015.76,"endTime":1016.4,"body":"cynic,"},{"speaker":"SPEAKER_01","startTime":1016.56,"endTime":1016.8,"body":"a"},{"speaker":"SPEAKER_01","startTime":1016.8,"endTime":1017.76,"body":"skeptic."},{"speaker":"SPEAKER_01","startTime":1018.56,"endTime":1018.8,"body":"I"},{"speaker":"SPEAKER_01","startTime":1018.8,"endTime":1019.2,"body":"don't"},{"speaker":"SPEAKER_01","startTime":1019.2,"endTime":1019.6,"body":"belong."},{"speaker":"SPEAKER_01","startTime":1020.0,"endTime":1020.16,"body":"I"},{"speaker":"SPEAKER_01","startTime":1020.16,"endTime":1020.56,"body":"don't"},{"speaker":"SPEAKER_01","startTime":1020.56,"endTime":1020.88,"body":"mind,"},{"speaker":"SPEAKER_01","startTime":1021.04,"endTime":1021.12,"body":"I"},{"speaker":"SPEAKER_01","startTime":1021.36,"endTime":1021.68,"body":"I"},{"speaker":"SPEAKER_01","startTime":1021.68,"endTime":1022.0,"body":"do"},{"speaker":"SPEAKER_01","startTime":1022.0,"endTime":1022.64,"body":"understand."},{"speaker":"SPEAKER_01","startTime":1022.96,"endTime":1023.28,"body":"I"},{"speaker":"SPEAKER_01","startTime":1023.28,"endTime":1023.92,"body":"totally"},{"speaker":"SPEAKER_01","startTime":1023.92,"endTime":1024.24,"body":"get"},{"speaker":"SPEAKER_01","startTime":1024.24,"endTime":1024.56,"body":"it."},{"speaker":"SPEAKER_01","startTime":1024.96,"endTime":1025.6,"body":"Here's"},{"speaker":"SPEAKER_01","startTime":1025.6,"endTime":1025.92,"body":"the"},{"speaker":"SPEAKER_01","startTime":1025.92,"endTime":1026.56,"body":"deal."},{"speaker":"SPEAKER_01","startTime":1027.2,"endTime":1027.52,"body":"Um,"},{"speaker":"SPEAKER_01","startTime":1028.96,"endTime":1029.12,"body":"if"},{"speaker":"SPEAKER_01","startTime":1029.36,"endTime":1029.6,"body":"it"},{"speaker":"SPEAKER_01","startTime":1029.6,"endTime":1030.4,"body":"wasn't"},{"speaker":"SPEAKER_01","startTime":1030.4,"endTime":1030.64,"body":"for"},{"speaker":"SPEAKER_01","startTime":1030.64,"endTime":1030.96,"body":"uh"},{"speaker":"SPEAKER_01","startTime":1030.96,"endTime":1031.2,"body":"the"},{"speaker":"SPEAKER_01","startTime":1031.2,"endTime":1031.68,"body":"existence"},{"speaker":"SPEAKER_01","startTime":1031.68,"endTime":1031.92,"body":"of"},{"speaker":"SPEAKER_01","startTime":1031.92,"endTime":1032.64,"body":"Avantis"},{"speaker":"SPEAKER_01","startTime":1032.72,"endTime":1032.88,"body":"or"},{"speaker":"SPEAKER_01","startTime":1032.88,"endTime":1033.44,"body":"Dimensional,"},{"speaker":"SPEAKER_01","startTime":1033.52,"endTime":1033.76,"body":"and"},{"speaker":"SPEAKER_01","startTime":1033.76,"endTime":1033.92,"body":"by"},{"speaker":"SPEAKER_01","startTime":1033.92,"endTime":1034.0,"body":"the"},{"speaker":"SPEAKER_01","startTime":1034.0,"endTime":1034.16,"body":"way,"},{"speaker":"SPEAKER_01","startTime":1034.48,"endTime":1035.12,"body":"Dimensional"},{"speaker":"SPEAKER_01","startTime":1035.12,"endTime":1035.52,"body":"started"},{"speaker":"SPEAKER_01","startTime":1035.52,"endTime":1035.76,"body":"all"},{"speaker":"SPEAKER_01","startTime":1035.76,"endTime":1035.92,"body":"this."},{"speaker":"SPEAKER_01","startTime":1036.0,"endTime":1036.16,"body":"If"},{"speaker":"SPEAKER_01","startTime":1036.56,"endTime":1036.88,"body":"you'd"},{"speaker":"SPEAKER_01","startTime":1036.88,"endTime":1037.2,"body":"listened"},{"speaker":"SPEAKER_01","startTime":1037.2,"endTime":1037.28,"body":"to"},{"speaker":"SPEAKER_01","startTime":1037.28,"endTime":1037.44,"body":"us"},{"speaker":"SPEAKER_01","startTime":1037.44,"endTime":1037.6,"body":"10"},{"speaker":"SPEAKER_01","startTime":1037.6,"endTime":1037.76,"body":"years"},{"speaker":"SPEAKER_01","startTime":1037.76,"endTime":1037.92,"body":"ago,"},{"speaker":"SPEAKER_01","startTime":1038.0,"endTime":1038.16,"body":"you"},{"speaker":"SPEAKER_01","startTime":1038.16,"endTime":1038.24,"body":"would"},{"speaker":"SPEAKER_01","startTime":1038.24,"endTime":1038.4,"body":"have"},{"speaker":"SPEAKER_01","startTime":1038.4,"endTime":1038.64,"body":"gone,"},{"speaker":"SPEAKER_01","startTime":1038.8,"endTime":1038.96,"body":"well,"},{"speaker":"SPEAKER_01","startTime":1039.12,"endTime":1039.28,"body":"all"},{"speaker":"SPEAKER_01","startTime":1039.28,"endTime":1039.52,"body":"they"},{"speaker":"SPEAKER_01","startTime":1039.52,"endTime":1039.68,"body":"like"},{"speaker":"SPEAKER_01","startTime":1039.68,"endTime":1039.92,"body":"is"},{"speaker":"SPEAKER_01","startTime":1039.92,"endTime":1040.96,"body":"dimensional."},{"speaker":"SPEAKER_01","startTime":1041.36,"endTime":1041.6,"body":"Well,"},{"speaker":"SPEAKER_01","startTime":1041.76,"endTime":1042.16,"body":"we're"},{"speaker":"SPEAKER_01","startTime":1042.16,"endTime":1042.64,"body":"okay"},{"speaker":"SPEAKER_01","startTime":1042.64,"endTime":1042.96,"body":"with"},{"speaker":"SPEAKER_01","startTime":1042.96,"endTime":1043.6,"body":"Vanguard"},{"speaker":"SPEAKER_01","startTime":1043.76,"endTime":1043.92,"body":"or"},{"speaker":"SPEAKER_01","startTime":1043.92,"endTime":1044.08,"body":"with"},{"speaker":"SPEAKER_01","startTime":1044.08,"endTime":1044.32,"body":"the"},{"speaker":"SPEAKER_01","startTime":1044.32,"endTime":1044.88,"body":"spider"},{"speaker":"SPEAKER_01","startTime":1044.88,"endTime":1045.52,"body":"ETF"},{"speaker":"SPEAKER_01","startTime":1046.08,"endTime":1046.32,"body":"that"},{"speaker":"SPEAKER_01","startTime":1046.32,"endTime":1046.48,"body":"uh"},{"speaker":"SPEAKER_01","startTime":1046.64,"endTime":1046.88,"body":"that"},{"speaker":"SPEAKER_01","startTime":1046.88,"endTime":1047.12,"body":"invest"},{"speaker":"SPEAKER_01","startTime":1047.36,"endTime":1047.6,"body":"in"},{"speaker":"SPEAKER_01","startTime":1047.6,"endTime":1048.08,"body":"whatever"},{"speaker":"SPEAKER_01","startTime":1048.08,"endTime":1048.32,"body":"market"},{"speaker":"SPEAKER_01","startTime":1048.32,"endTime":1048.56,"body":"we're"},{"speaker":"SPEAKER_01","startTime":1048.56,"endTime":1048.88,"body":"talking"},{"speaker":"SPEAKER_01","startTime":1048.88,"endTime":1048.96,"body":"about"},{"speaker":"SPEAKER_01","startTime":1049.12,"endTime":1049.6,"body":"emerging"},{"speaker":"SPEAKER_01","startTime":1049.68,"endTime":1049.84,"body":"or"},{"speaker":"SPEAKER_01","startTime":1049.84,"endTime":1050.64,"body":"whatever."},{"speaker":"SPEAKER_01","startTime":1050.96,"endTime":1051.36,"body":"We're"},{"speaker":"SPEAKER_01","startTime":1051.36,"endTime":1051.6,"body":"okay"},{"speaker":"SPEAKER_01","startTime":1051.6,"endTime":1051.76,"body":"with"},{"speaker":"SPEAKER_01","startTime":1051.76,"endTime":1052.0,"body":"those,"},{"speaker":"SPEAKER_01","startTime":1052.08,"endTime":1052.48,"body":"they're"},{"speaker":"SPEAKER_01","startTime":1052.48,"endTime":1053.12,"body":"fine."},{"speaker":"SPEAKER_01","startTime":1054.08,"endTime":1054.4,"body":"We"},{"speaker":"SPEAKER_01","startTime":1054.72,"endTime":1055.04,"body":"have"},{"speaker":"SPEAKER_01","startTime":1055.04,"endTime":1055.36,"body":"just"},{"speaker":"SPEAKER_01","startTime":1055.6,"endTime":1056.24,"body":"studied"},{"speaker":"SPEAKER_01","startTime":1056.88,"endTime":1057.2,"body":"the"},{"speaker":"SPEAKER_01","startTime":1057.52,"endTime":1058.48,"body":"data,"},{"speaker":"SPEAKER_01","startTime":1058.96,"endTime":1059.28,"body":"the"},{"speaker":"SPEAKER_01","startTime":1059.28,"endTime":1060.16,"body":"academic"},{"speaker":"SPEAKER_01","startTime":1060.16,"endTime":1061.2,"body":"research."},{"speaker":"SPEAKER_01","startTime":1061.44,"endTime":1061.68,"body":"I"},{"speaker":"SPEAKER_01","startTime":1061.68,"endTime":1061.92,"body":"mean,"},{"speaker":"SPEAKER_01","startTime":1062.0,"endTime":1062.32,"body":"both"},{"speaker":"SPEAKER_01","startTime":1062.32,"endTime":1062.64,"body":"Tom"},{"speaker":"SPEAKER_01","startTime":1062.64,"endTime":1062.96,"body":"and"},{"speaker":"SPEAKER_01","startTime":1062.96,"endTime":1063.28,"body":"I"},{"speaker":"SPEAKER_01","startTime":1063.28,"endTime":1063.6,"body":"have"},{"speaker":"SPEAKER_01","startTime":1063.6,"endTime":1063.92,"body":"been"},{"speaker":"SPEAKER_01","startTime":1064.16,"endTime":1065.04,"body":"carefully"},{"speaker":"SPEAKER_01","startTime":1065.04,"endTime":1065.92,"body":"studying"},{"speaker":"SPEAKER_01","startTime":1065.92,"endTime":1066.24,"body":"this"},{"speaker":"SPEAKER_01","startTime":1066.24,"endTime":1066.88,"body":"data,"},{"speaker":"SPEAKER_01","startTime":1067.2,"endTime":1067.36,"body":"oh"},{"speaker":"SPEAKER_01","startTime":1067.52,"endTime":1067.76,"body":"my"},{"speaker":"SPEAKER_01","startTime":1067.76,"endTime":1068.16,"body":"gosh,"},{"speaker":"SPEAKER_01","startTime":1068.4,"endTime":1069.04,"body":"since"},{"speaker":"SPEAKER_01","startTime":1069.36,"endTime":1069.6,"body":"the"},{"speaker":"SPEAKER_01","startTime":1070.24,"endTime":1071.12,"body":"early"},{"speaker":"SPEAKER_01","startTime":1071.12,"endTime":1072.16,"body":"90s,"},{"speaker":"SPEAKER_01","startTime":1072.32,"endTime":1072.56,"body":"I"},{"speaker":"SPEAKER_01","startTime":1072.56,"endTime":1072.72,"body":"think"},{"speaker":"SPEAKER_01","startTime":1072.8,"endTime":1072.96,"body":"is"},{"speaker":"SPEAKER_01","startTime":1072.96,"endTime":1073.12,"body":"when"},{"speaker":"SPEAKER_01","startTime":1073.12,"endTime":1073.28,"body":"it"},{"speaker":"SPEAKER_01","startTime":1073.28,"endTime":1073.52,"body":"was"},{"speaker":"SPEAKER_01","startTime":1073.52,"endTime":1073.76,"body":"first"},{"speaker":"SPEAKER_01","startTime":1073.76,"endTime":1074.08,"body":"brought"},{"speaker":"SPEAKER_01","startTime":1074.08,"endTime":1074.24,"body":"to"},{"speaker":"SPEAKER_01","startTime":1074.24,"endTime":1074.4,"body":"my"},{"speaker":"SPEAKER_01","startTime":1074.4,"endTime":1075.04,"body":"attention."},{"speaker":"SPEAKER_01","startTime":1075.28,"endTime":1075.52,"body":"The"},{"speaker":"SPEAKER_01","startTime":1075.52,"endTime":1076.08,"body":"research"},{"speaker":"SPEAKER_01","startTime":1076.08,"endTime":1076.32,"body":"by"},{"speaker":"SPEAKER_01","startTime":1076.32,"endTime":1076.56,"body":"people"},{"speaker":"SPEAKER_01","startTime":1076.56,"endTime":1076.8,"body":"like"},{"speaker":"SPEAKER_01","startTime":1076.8,"endTime":1077.2,"body":"Fama"},{"speaker":"SPEAKER_01","startTime":1077.44,"endTime":1077.6,"body":"and"},{"speaker":"SPEAKER_01","startTime":1077.6,"endTime":1078.32,"body":"French"},{"speaker":"SPEAKER_01","startTime":1078.4,"endTime":1078.64,"body":"that"},{"speaker":"SPEAKER_01","startTime":1078.64,"endTime":1079.2,"body":"showed"},{"speaker":"SPEAKER_01","startTime":1079.2,"endTime":1079.44,"body":"there"},{"speaker":"SPEAKER_01","startTime":1079.44,"endTime":1079.68,"body":"were"},{"speaker":"SPEAKER_01","startTime":1079.68,"endTime":1080.24,"body":"factors"},{"speaker":"SPEAKER_01","startTime":1080.24,"endTime":1080.48,"body":"of"},{"speaker":"SPEAKER_01","startTime":1080.48,"endTime":1081.2,"body":"returns"},{"speaker":"SPEAKER_01","startTime":1081.2,"endTime":1081.36,"body":"in"},{"speaker":"SPEAKER_01","startTime":1081.36,"endTime":1081.68,"body":"the"},{"speaker":"SPEAKER_01","startTime":1081.68,"endTime":1082.0,"body":"market,"},{"speaker":"SPEAKER_01","startTime":1082.4,"endTime":1082.72,"body":"that"},{"speaker":"SPEAKER_01","startTime":1082.72,"endTime":1082.96,"body":"you"},{"speaker":"SPEAKER_01","startTime":1082.96,"endTime":1083.2,"body":"could"},{"speaker":"SPEAKER_01","startTime":1083.2,"endTime":1083.52,"body":"create"},{"speaker":"SPEAKER_01","startTime":1083.52,"endTime":1083.76,"body":"a"},{"speaker":"SPEAKER_01","startTime":1083.76,"endTime":1084.8,"body":"rules-based"},{"speaker":"SPEAKER_01","startTime":1084.8,"endTime":1085.76,"body":"portfolio"},{"speaker":"SPEAKER_01","startTime":1086.24,"endTime":1086.48,"body":"that,"},{"speaker":"SPEAKER_01","startTime":1086.64,"endTime":1087.12,"body":"based"},{"speaker":"SPEAKER_01","startTime":1087.12,"endTime":1087.44,"body":"on"},{"speaker":"SPEAKER_01","startTime":1087.44,"endTime":1088.08,"body":"historical"},{"speaker":"SPEAKER_01","startTime":1088.32,"endTime":1088.96,"body":"data,"},{"speaker":"SPEAKER_01","startTime":1089.44,"endTime":1090.08,"body":"should"},{"speaker":"SPEAKER_01","startTime":1090.72,"endTime":1091.84,"body":"outperform"},{"speaker":"SPEAKER_01","startTime":1092.48,"endTime":1092.8,"body":"just"},{"speaker":"SPEAKER_01","startTime":1092.8,"endTime":1093.76,"body":"owning"},{"speaker":"SPEAKER_01","startTime":1093.76,"endTime":1094.08,"body":"the"},{"speaker":"SPEAKER_01","startTime":1094.08,"endTime":1094.72,"body":"stocks"},{"speaker":"SPEAKER_01","startTime":1094.72,"endTime":1094.96,"body":"in"},{"speaker":"SPEAKER_01","startTime":1094.96,"endTime":1095.2,"body":"that"},{"speaker":"SPEAKER_01","startTime":1095.2,"endTime":1096.0,"body":"particular"},{"speaker":"SPEAKER_01","startTime":1096.0,"endTime":1096.32,"body":"market."},{"speaker":"SPEAKER_01","startTime":1096.96,"endTime":1097.44,"body":"Because"},{"speaker":"SPEAKER_01","startTime":1097.44,"endTime":1097.68,"body":"it"},{"speaker":"SPEAKER_01","startTime":1097.68,"endTime":1097.92,"body":"is"},{"speaker":"SPEAKER_01","startTime":1097.92,"endTime":1098.16,"body":"a"},{"speaker":"SPEAKER_01","startTime":1098.16,"endTime":1098.4,"body":"more"},{"speaker":"SPEAKER_01","startTime":1098.4,"endTime":1099.2,"body":"complicated"},{"speaker":"SPEAKER_01","startTime":1099.2,"endTime":1099.92,"body":"portfolio"},{"speaker":"SPEAKER_01","startTime":1099.92,"endTime":1100.24,"body":"to"},{"speaker":"SPEAKER_01","startTime":1100.24,"endTime":1100.56,"body":"run"},{"speaker":"SPEAKER_01","startTime":1100.72,"endTime":1100.96,"body":"than"},{"speaker":"SPEAKER_01","startTime":1100.96,"endTime":1101.28,"body":"a"},{"speaker":"SPEAKER_01","startTime":1101.28,"endTime":1101.84,"body":"portfolio"},{"speaker":"SPEAKER_01","startTime":1101.84,"endTime":1102.16,"body":"that"},{"speaker":"SPEAKER_01","startTime":1102.16,"endTime":1102.56,"body":"buys"},{"speaker":"SPEAKER_01","startTime":1102.56,"endTime":1102.72,"body":"the"},{"speaker":"SPEAKER_01","startTime":1102.72,"endTime":1103.2,"body":"whole"},{"speaker":"SPEAKER_01","startTime":1103.2,"endTime":1103.52,"body":"market,"},{"speaker":"SPEAKER_01","startTime":1103.84,"endTime":1104.08,"body":"their"},{"speaker":"SPEAKER_01","startTime":1104.16,"endTime":1104.56,"body":"fees"},{"speaker":"SPEAKER_01","startTime":1104.56,"endTime":1104.72,"body":"are"},{"speaker":"SPEAKER_01","startTime":1104.72,"endTime":1104.88,"body":"going"},{"speaker":"SPEAKER_01","startTime":1104.88,"endTime":1104.96,"body":"to"},{"speaker":"SPEAKER_01","startTime":1104.96,"endTime":1105.12,"body":"be"},{"speaker":"SPEAKER_01","startTime":1105.12,"endTime":1105.44,"body":"higher."},{"speaker":"SPEAKER_01","startTime":1105.6,"endTime":1105.84,"body":"Now,"},{"speaker":"SPEAKER_01","startTime":1106.0,"endTime":1106.16,"body":"on"},{"speaker":"SPEAKER_01","startTime":1106.16,"endTime":1106.48,"body":"a"},{"speaker":"SPEAKER_01","startTime":1106.48,"endTime":1106.8,"body":"dollar"},{"speaker":"SPEAKER_01","startTime":1106.96,"endTime":1107.36,"body":"basis,"},{"speaker":"SPEAKER_01","startTime":1107.68,"endTime":1107.92,"body":"it's"},{"speaker":"SPEAKER_01","startTime":1107.92,"endTime":1108.08,"body":"not"},{"speaker":"SPEAKER_01","startTime":1108.08,"endTime":1108.24,"body":"a"},{"speaker":"SPEAKER_01","startTime":1108.24,"endTime":1108.56,"body":"big"},{"speaker":"SPEAKER_01","startTime":1108.56,"endTime":1108.88,"body":"deal."},{"speaker":"SPEAKER_01","startTime":1109.12,"endTime":1109.36,"body":"On"},{"speaker":"SPEAKER_01","startTime":1109.36,"endTime":1109.6,"body":"a"},{"speaker":"SPEAKER_01","startTime":1109.92,"endTime":1110.24,"body":"as"},{"speaker":"SPEAKER_01","startTime":1110.24,"endTime":1110.56,"body":"a"},{"speaker":"SPEAKER_01","startTime":1122.08,"endTime":1122.56,"body":"pure"},{"speaker":"SPEAKER_01","startTime":1122.56,"endTime":1123.2,"body":"index"},{"speaker":"SPEAKER_01","startTime":1123.2,"endTime":1123.44,"body":"fund"},{"speaker":"SPEAKER_01","startTime":1123.44,"endTime":1123.68,"body":"is"},{"speaker":"SPEAKER_01","startTime":1123.68,"endTime":1123.84,"body":"going"},{"speaker":"SPEAKER_01","startTime":1123.84,"endTime":1124.16,"body":"to"},{"speaker":"SPEAKER_01","startTime":1124.16,"endTime":1124.48,"body":"cost"},{"speaker":"SPEAKER_01","startTime":1124.48,"endTime":1124.8,"body":"you,"},{"speaker":"SPEAKER_01","startTime":1124.88,"endTime":1125.04,"body":"you"},{"speaker":"SPEAKER_01","startTime":1125.04,"endTime":1125.2,"body":"know,"},{"speaker":"SPEAKER_01","startTime":1125.44,"endTime":1126.0,"body":"eight"},{"speaker":"SPEAKER_01","startTime":1126.32,"endTime":1126.96,"body":"dollars"},{"speaker":"SPEAKER_01","startTime":1126.96,"endTime":1127.04,"body":"on"},{"speaker":"SPEAKER_01","startTime":1127.28,"endTime":1127.52,"body":"every"},{"speaker":"SPEAKER_01","startTime":1127.52,"endTime":1128.24,"body":"$10,000"},{"speaker":"SPEAKER_01","startTime":1128.56,"endTime":1129.2,"body":"invested,"},{"speaker":"SPEAKER_01","startTime":1129.36,"endTime":1129.92,"body":"whereas"},{"speaker":"SPEAKER_01","startTime":1129.92,"endTime":1130.08,"body":"the"},{"speaker":"SPEAKER_01","startTime":1130.08,"endTime":1130.96,"body":"Avantis"},{"speaker":"SPEAKER_01","startTime":1131.12,"endTime":1131.28,"body":"or"},{"speaker":"SPEAKER_01","startTime":1131.28,"endTime":1131.44,"body":"the"},{"speaker":"SPEAKER_01","startTime":1131.44,"endTime":1132.0,"body":"dimensional"},{"speaker":"SPEAKER_01","startTime":1132.0,"endTime":1132.4,"body":"emerging"},{"speaker":"SPEAKER_01","startTime":1132.4,"endTime":1132.8,"body":"markets"},{"speaker":"SPEAKER_01","startTime":1132.8,"endTime":1132.88,"body":"are"},{"speaker":"SPEAKER_01","startTime":1132.88,"endTime":1132.96,"body":"going"},{"speaker":"SPEAKER_01","startTime":1132.96,"endTime":1133.04,"body":"to"},{"speaker":"SPEAKER_01","startTime":1133.04,"endTime":1133.28,"body":"run"},{"speaker":"SPEAKER_01","startTime":1133.28,"endTime":1133.44,"body":"you"},{"speaker":"SPEAKER_01","startTime":1133.44,"endTime":1133.68,"body":"about"},{"speaker":"SPEAKER_01","startTime":1133.68,"endTime":1134.24,"body":"$33,000"},{"speaker":"SPEAKER_01","startTime":1134.32,"endTime":1134.56,"body":"or"},{"speaker":"SPEAKER_01","startTime":1134.56,"endTime":1135.12,"body":"$39"},{"speaker":"SPEAKER_01","startTime":1135.84,"endTime":1136.08,"body":"per"},{"speaker":"SPEAKER_01","startTime":1136.08,"endTime":1136.8,"body":"$10,000"},{"speaker":"SPEAKER_01","startTime":1137.12,"endTime":1137.76,"body":"invested."},{"speaker":"SPEAKER_01","startTime":1137.92,"endTime":1138.16,"body":"So"},{"speaker":"SPEAKER_01","startTime":1138.24,"endTime":1138.4,"body":"the"},{"speaker":"SPEAKER_01","startTime":1138.4,"endTime":1138.72,"body":"question"},{"speaker":"SPEAKER_01","startTime":1138.72,"endTime":1138.96,"body":"really"},{"speaker":"SPEAKER_01","startTime":1138.96,"endTime":1139.12,"body":"comes"},{"speaker":"SPEAKER_01","startTime":1139.12,"endTime":1139.28,"body":"down"},{"speaker":"SPEAKER_01","startTime":1139.28,"endTime":1139.44,"body":"to"},{"speaker":"SPEAKER_01","startTime":1139.6,"endTime":1139.84,"body":"is"},{"speaker":"SPEAKER_01","startTime":1139.84,"endTime":1140.08,"body":"it"},{"speaker":"SPEAKER_01","startTime":1140.08,"endTime":1140.64,"body":"worth"},{"speaker":"SPEAKER_01","startTime":1140.64,"endTime":1140.88,"body":"that"},{"speaker":"SPEAKER_01","startTime":1140.88,"endTime":1141.6,"body":"additional"},{"speaker":"SPEAKER_01","startTime":1141.6,"endTime":1142.24,"body":"money?"},{"speaker":"SPEAKER_01","startTime":1142.56,"endTime":1142.88,"body":"We"},{"speaker":"SPEAKER_01","startTime":1143.2,"endTime":1143.52,"body":"think"},{"speaker":"SPEAKER_01","startTime":1143.76,"endTime":1144.08,"body":"that"},{"speaker":"SPEAKER_01","startTime":1144.08,"endTime":1144.32,"body":"it"},{"speaker":"SPEAKER_01","startTime":1144.32,"endTime":1144.72,"body":"should"},{"speaker":"SPEAKER_01","startTime":1144.72,"endTime":1144.88,"body":"be"},{"speaker":"SPEAKER_01","startTime":1145.04,"endTime":1145.36,"body":"and"},{"speaker":"SPEAKER_01","startTime":1145.36,"endTime":1145.68,"body":"that"},{"speaker":"SPEAKER_01","startTime":1145.68,"endTime":1146.0,"body":"it"},{"speaker":"SPEAKER_01","startTime":1146.24,"endTime":1147.04,"body":"historically"},{"speaker":"SPEAKER_01","startTime":1147.36,"endTime":1147.68,"body":"has"},{"speaker":"SPEAKER_01","startTime":1148.0,"endTime":1148.32,"body":"been."},{"speaker":"SPEAKER_01","startTime":1149.04,"endTime":1149.36,"body":"And"},{"speaker":"SPEAKER_01","startTime":1150.48,"endTime":1150.72,"body":"we"},{"speaker":"SPEAKER_01","startTime":1150.72,"endTime":1151.04,"body":"don't"},{"speaker":"SPEAKER_01","startTime":1151.04,"endTime":1151.28,"body":"have"},{"speaker":"SPEAKER_01","startTime":1151.28,"endTime":1151.52,"body":"long"},{"speaker":"SPEAKER_01","startTime":1151.52,"endTime":1151.84,"body":"periods"},{"speaker":"SPEAKER_01","startTime":1151.84,"endTime":1152.0,"body":"of"},{"speaker":"SPEAKER_01","startTime":1152.0,"endTime":1152.16,"body":"time"},{"speaker":"SPEAKER_01","startTime":1152.16,"endTime":1152.32,"body":"to"},{"speaker":"SPEAKER_01","startTime":1152.32,"endTime":1152.72,"body":"compare"},{"speaker":"SPEAKER_01","startTime":1152.72,"endTime":1152.96,"body":"because"},{"speaker":"SPEAKER_01","startTime":1152.96,"endTime":1153.04,"body":"the"},{"speaker":"SPEAKER_01","startTime":1153.04,"endTime":1153.68,"body":"ETFs"},{"speaker":"SPEAKER_01","startTime":1153.68,"endTime":1153.76,"body":"are"},{"speaker":"SPEAKER_01","startTime":1153.76,"endTime":1154.24,"body":"relatively"},{"speaker":"SPEAKER_01","startTime":1154.24,"endTime":1154.56,"body":"new,"},{"speaker":"SPEAKER_01","startTime":1154.8,"endTime":1155.12,"body":"but"},{"speaker":"SPEAKER_01","startTime":1155.12,"endTime":1155.44,"body":"over"},{"speaker":"SPEAKER_01","startTime":1155.44,"endTime":1155.68,"body":"the"},{"speaker":"SPEAKER_01","startTime":1155.68,"endTime":1155.84,"body":"past"},{"speaker":"SPEAKER_01","startTime":1155.84,"endTime":1156.16,"body":"three"},{"speaker":"SPEAKER_01","startTime":1156.16,"endTime":1156.48,"body":"years,"},{"speaker":"SPEAKER_01","startTime":1156.56,"endTime":1156.8,"body":"the"},{"speaker":"SPEAKER_01","startTime":1156.8,"endTime":1157.52,"body":"dimensional"},{"speaker":"SPEAKER_01","startTime":1157.52,"endTime":1158.08,"body":"emerging"},{"speaker":"SPEAKER_01","startTime":1158.08,"endTime":1158.64,"body":"markets"},{"speaker":"SPEAKER_01","startTime":1158.64,"endTime":1158.88,"body":"fund"},{"speaker":"SPEAKER_01","startTime":1159.2,"endTime":1159.52,"body":"has"},{"speaker":"SPEAKER_01","startTime":1159.52,"endTime":1160.72,"body":"outperformed"},{"speaker":"SPEAKER_01","startTime":1160.72,"endTime":1161.04,"body":"the"},{"speaker":"SPEAKER_01","startTime":1161.04,"endTime":1161.52,"body":"index"},{"speaker":"SPEAKER_01","startTime":1161.52,"endTime":1161.92,"body":"product,"},{"speaker":"SPEAKER_01","startTime":1162.0,"endTime":1162.16,"body":"the"},{"speaker":"SPEAKER_01","startTime":1162.16,"endTime":1162.64,"body":"spider"},{"speaker":"SPEAKER_01","startTime":1162.8,"endTime":1163.44,"body":"index"},{"speaker":"SPEAKER_01","startTime":1163.44,"endTime":1164.08,"body":"product,"},{"speaker":"SPEAKER_01","startTime":1164.56,"endTime":1164.88,"body":"by"},{"speaker":"SPEAKER_01","startTime":1165.84,"endTime":1167.6,"body":"1.6%"},{"speaker":"SPEAKER_01","startTime":1168.56,"endTime":1168.88,"body":"a"},{"speaker":"SPEAKER_01","startTime":1168.88,"endTime":1169.52,"body":"year,"},{"speaker":"SPEAKER_01","startTime":1170.08,"endTime":1170.4,"body":"which"},{"speaker":"SPEAKER_01","startTime":1170.4,"endTime":1170.72,"body":"is"},{"speaker":"SPEAKER_01","startTime":1171.04,"endTime":1171.36,"body":"far"},{"speaker":"SPEAKER_01","startTime":1171.36,"endTime":1171.52,"body":"and"},{"speaker":"SPEAKER_01","startTime":1171.52,"endTime":1172.0,"body":"away"},{"speaker":"SPEAKER_01","startTime":1172.0,"endTime":1172.32,"body":"more"},{"speaker":"SPEAKER_01","startTime":1172.32,"endTime":1172.48,"body":"than"},{"speaker":"SPEAKER_01","startTime":1172.48,"endTime":1172.64,"body":"the"},{"speaker":"SPEAKER_01","startTime":1172.64,"endTime":1172.96,"body":"extra"},{"speaker":"SPEAKER_01","startTime":1172.96,"endTime":1173.28,"body":"fee."},{"speaker":"SPEAKER_01","startTime":1173.36,"endTime":1173.52,"body":"And"},{"speaker":"SPEAKER_01","startTime":1173.52,"endTime":1173.68,"body":"we"},{"speaker":"SPEAKER_01","startTime":1173.68,"endTime":1174.0,"body":"believe"},{"speaker":"SPEAKER_01","startTime":1174.0,"endTime":1174.24,"body":"that"},{"speaker":"SPEAKER_01","startTime":1174.24,"endTime":1174.56,"body":"these"},{"speaker":"SPEAKER_01","startTime":1174.56,"endTime":1174.8,"body":"should"},{"speaker":"SPEAKER_01","startTime":1174.8,"endTime":1174.96,"body":"be"},{"speaker":"SPEAKER_01","startTime":1174.96,"endTime":1175.2,"body":"worth"},{"speaker":"SPEAKER_01","startTime":1175.2,"endTime":1175.44,"body":"that"},{"speaker":"SPEAKER_01","startTime":1175.44,"endTime":1175.84,"body":"extra"},{"speaker":"SPEAKER_01","startTime":1175.84,"endTime":1176.32,"body":"fee."},{"speaker":"SPEAKER_01","startTime":1176.64,"endTime":1176.96,"body":"Do"},{"speaker":"SPEAKER_01","startTime":1176.96,"endTime":1177.28,"body":"we"},{"speaker":"SPEAKER_01","startTime":1177.28,"endTime":1177.6,"body":"get"},{"speaker":"SPEAKER_01","startTime":1177.6,"endTime":1178.48,"body":"compensated?"},{"speaker":"SPEAKER_01","startTime":1178.88,"endTime":1180.16,"body":"Absolutely"},{"speaker":"SPEAKER_01","startTime":1180.16,"endTime":1180.48,"body":"not."},{"speaker":"SPEAKER_01","startTime":1181.04,"endTime":1181.36,"body":"We"},{"speaker":"SPEAKER_01","startTime":1181.36,"endTime":1181.68,"body":"get"},{"speaker":"SPEAKER_01","startTime":1182.0,"endTime":1182.64,"body":"nothing"},{"speaker":"SPEAKER_01","startTime":1182.96,"endTime":1183.28,"body":"from"},{"speaker":"SPEAKER_01","startTime":1183.28,"endTime":1184.08,"body":"dimensional"},{"speaker":"SPEAKER_01","startTime":1184.08,"endTime":1185.2,"body":"Oravantas."},{"speaker":"SPEAKER_01","startTime":1185.44,"endTime":1186.32,"body":"Nothing."},{"speaker":"SPEAKER_01","startTime":1186.72,"endTime":1187.52,"body":"Nothing."},{"speaker":"SPEAKER_01","startTime":1187.84,"endTime":1188.24,"body":"Not"},{"speaker":"SPEAKER_01","startTime":1188.24,"endTime":1188.56,"body":"even"},{"speaker":"SPEAKER_01","startTime":1188.56,"endTime":1189.12,"body":"free"},{"speaker":"SPEAKER_01","startTime":1189.12,"endTime":1189.68,"body":"dinners"},{"speaker":"SPEAKER_01","startTime":1189.68,"endTime":1189.92,"body":"or"},{"speaker":"SPEAKER_01","startTime":1189.92,"endTime":1190.4,"body":"anything."},{"speaker":"SPEAKER_01","startTime":1190.56,"endTime":1190.8,"body":"We"},{"speaker":"SPEAKER_01","startTime":1190.8,"endTime":1191.04,"body":"don't"},{"speaker":"SPEAKER_01","startTime":1191.04,"endTime":1191.2,"body":"get"},{"speaker":"SPEAKER_01","startTime":1191.2,"endTime":1191.68,"body":"anything"},{"speaker":"SPEAKER_01","startTime":1191.68,"endTime":1192.0,"body":"from"},{"speaker":"SPEAKER_01","startTime":1192.0,"endTime":1192.32,"body":"them."},{"speaker":"SPEAKER_01","startTime":1192.56,"endTime":1193.04,"body":"We're"},{"speaker":"SPEAKER_01","startTime":1193.04,"endTime":1193.44,"body":"doing"},{"speaker":"SPEAKER_01","startTime":1193.44,"endTime":1193.76,"body":"this"},{"speaker":"SPEAKER_01","startTime":1193.76,"endTime":1194.08,"body":"because"},{"speaker":"SPEAKER_01","startTime":1194.08,"endTime":1194.32,"body":"we"},{"speaker":"SPEAKER_01","startTime":1194.32,"endTime":1195.04,"body":"believe"},{"speaker":"SPEAKER_01","startTime":1195.04,"endTime":1195.28,"body":"they"},{"speaker":"SPEAKER_01","startTime":1195.28,"endTime":1195.44,"body":"have"},{"speaker":"SPEAKER_01","startTime":1195.44,"endTime":1195.68,"body":"the"},{"speaker":"SPEAKER_01","startTime":1195.68,"endTime":1196.16,"body":"potential"},{"speaker":"SPEAKER_01","startTime":1196.16,"endTime":1196.4,"body":"to"},{"speaker":"SPEAKER_01","startTime":1196.4,"endTime":1196.64,"body":"be"},{"speaker":"SPEAKER_01","startTime":1196.64,"endTime":1197.04,"body":"better."},{"speaker":"SPEAKER_01","startTime":1197.2,"endTime":1197.44,"body":"Now,"},{"speaker":"SPEAKER_01","startTime":1197.68,"endTime":1197.84,"body":"is"},{"speaker":"SPEAKER_01","startTime":1197.84,"endTime":1198.08,"body":"the"},{"speaker":"SPEAKER_01","startTime":1198.08,"endTime":1198.64,"body":"Vanguard"},{"speaker":"SPEAKER_01","startTime":1198.64,"endTime":1198.8,"body":"or"},{"speaker":"SPEAKER_01","startTime":1198.8,"endTime":1198.88,"body":"the"},{"speaker":"SPEAKER_01","startTime":1198.88,"endTime":1199.2,"body":"Spider"},{"speaker":"SPEAKER_01","startTime":1199.36,"endTime":1199.84,"body":"Emerging"},{"speaker":"SPEAKER_01","startTime":1199.84,"endTime":1200.24,"body":"Markets"},{"speaker":"SPEAKER_01","startTime":1200.24,"endTime":1200.64,"body":"Fund"},{"speaker":"SPEAKER_01","startTime":1200.64,"endTime":1200.96,"body":"good"},{"speaker":"SPEAKER_01","startTime":1200.96,"endTime":1201.6,"body":"enough?"},{"speaker":"SPEAKER_01","startTime":1202.16,"endTime":1202.8,"body":"Yeah,"},{"speaker":"SPEAKER_01","startTime":1203.2,"endTime":1203.84,"body":"sure."},{"speaker":"SPEAKER_01","startTime":1204.48,"endTime":1204.8,"body":"But"},{"speaker":"SPEAKER_01","startTime":1204.8,"endTime":1204.96,"body":"if"},{"speaker":"SPEAKER_01","startTime":1204.96,"endTime":1205.36,"body":"we're"},{"speaker":"SPEAKER_01","startTime":1205.36,"endTime":1205.6,"body":"going"},{"speaker":"SPEAKER_01","startTime":1205.6,"endTime":1205.76,"body":"to"},{"speaker":"SPEAKER_01","startTime":1205.76,"endTime":1206.16,"body":"suggest"},{"speaker":"SPEAKER_01","startTime":1206.16,"endTime":1206.4,"body":"the"},{"speaker":"SPEAKER_01","startTime":1206.4,"endTime":1206.64,"body":"ones"},{"speaker":"SPEAKER_01","startTime":1206.64,"endTime":1206.88,"body":"that"},{"speaker":"SPEAKER_01","startTime":1206.88,"endTime":1207.04,"body":"we"},{"speaker":"SPEAKER_01","startTime":1207.04,"endTime":1207.6,"body":"believe"},{"speaker":"SPEAKER_01","startTime":1207.6,"endTime":1207.76,"body":"have"},{"speaker":"SPEAKER_01","startTime":1207.76,"endTime":1208.08,"body":"the"},{"speaker":"SPEAKER_01","startTime":1208.08,"endTime":1208.4,"body":"best"},{"speaker":"SPEAKER_01","startTime":1208.4,"endTime":1209.36,"body":"potential,"},{"speaker":"SPEAKER_01","startTime":1209.92,"endTime":1210.32,"body":"we're"},{"speaker":"SPEAKER_01","startTime":1210.32,"endTime":1210.48,"body":"going"},{"speaker":"SPEAKER_01","startTime":1210.48,"endTime":1210.64,"body":"to"},{"speaker":"SPEAKER_01","startTime":1210.64,"endTime":1210.96,"body":"tell"},{"speaker":"SPEAKER_01","startTime":1210.96,"endTime":1211.2,"body":"you"},{"speaker":"SPEAKER_01","startTime":1211.2,"endTime":1211.44,"body":"that"},{"speaker":"SPEAKER_01","startTime":1211.44,"endTime":1211.6,"body":"we"},{"speaker":"SPEAKER_01","startTime":1211.6,"endTime":1212.0,"body":"believe"},{"speaker":"SPEAKER_01","startTime":1212.0,"endTime":1212.24,"body":"the"},{"speaker":"SPEAKER_01","startTime":1212.24,"endTime":1212.48,"body":"best"},{"speaker":"SPEAKER_01","startTime":1212.48,"endTime":1213.2,"body":"potential"},{"speaker":"SPEAKER_01","startTime":1213.2,"endTime":1213.84,"body":"lies"},{"speaker":"SPEAKER_01","startTime":1214.08,"endTime":1214.4,"body":"in"},{"speaker":"SPEAKER_01","startTime":1214.4,"endTime":1214.72,"body":"these"},{"speaker":"SPEAKER_01","startTime":1214.72,"endTime":1215.68,"body":"factor-based"},{"speaker":"SPEAKER_01","startTime":1215.68,"endTime":1216.08,"body":"products,"},{"speaker":"SPEAKER_01","startTime":1216.32,"endTime":1216.8,"body":"again,"},{"speaker":"SPEAKER_01","startTime":1217.12,"endTime":1217.76,"body":"based"},{"speaker":"SPEAKER_01","startTime":1217.76,"endTime":1218.08,"body":"on"},{"speaker":"SPEAKER_01","startTime":1218.32,"endTime":1218.88,"body":"reams"},{"speaker":"SPEAKER_01","startTime":1219.04,"endTime":1219.36,"body":"of"},{"speaker":"SPEAKER_01","startTime":1219.36,"endTime":1220.0,"body":"historical"},{"speaker":"SPEAKER_01","startTime":1220.0,"endTime":1220.4,"body":"data."},{"speaker":"SPEAKER_01","startTime":1220.56,"endTime":1220.8,"body":"And"},{"speaker":"SPEAKER_01","startTime":1220.8,"endTime":1220.96,"body":"you"},{"speaker":"SPEAKER_01","startTime":1220.96,"endTime":1221.12,"body":"can"},{"speaker":"SPEAKER_01","startTime":1221.12,"endTime":1221.44,"body":"find"},{"speaker":"SPEAKER_01","startTime":1221.44,"endTime":1221.6,"body":"that"},{"speaker":"SPEAKER_01","startTime":1221.6,"endTime":1222.0,"body":"research"},{"speaker":"SPEAKER_01","startTime":1222.0,"endTime":1222.32,"body":"online."},{"speaker":"SPEAKER_01","startTime":1222.48,"endTime":1222.64,"body":"Just"},{"speaker":"SPEAKER_01","startTime":1222.64,"endTime":1222.8,"body":"look"},{"speaker":"SPEAKER_01","startTime":1222.8,"endTime":1222.96,"body":"up"},{"speaker":"SPEAKER_01","startTime":1222.96,"endTime":1223.28,"body":"Fama"},{"speaker":"SPEAKER_01","startTime":1223.52,"endTime":1223.68,"body":"and"},{"speaker":"SPEAKER_01","startTime":1223.68,"endTime":1224.08,"body":"French"},{"speaker":"SPEAKER_01","startTime":1224.08,"endTime":1224.64,"body":"research."},{"speaker":"SPEAKER_01","startTime":1224.8,"endTime":1224.96,"body":"You"},{"speaker":"SPEAKER_01","startTime":1224.96,"endTime":1225.12,"body":"can"},{"speaker":"SPEAKER_01","startTime":1225.12,"endTime":1225.36,"body":"read"},{"speaker":"SPEAKER_01","startTime":1225.36,"endTime":1225.52,"body":"all"},{"speaker":"SPEAKER_01","startTime":1225.52,"endTime":1225.6,"body":"of"},{"speaker":"SPEAKER_01","startTime":1225.6,"endTime":1225.76,"body":"it."},{"speaker":"SPEAKER_01","startTime":1225.84,"endTime":1226.16,"body":"There's"},{"speaker":"SPEAKER_01","startTime":1226.16,"endTime":1226.48,"body":"tons"},{"speaker":"SPEAKER_01","startTime":1226.48,"endTime":1226.56,"body":"of"},{"speaker":"SPEAKER_01","startTime":1226.56,"endTime":1226.72,"body":"it"},{"speaker":"SPEAKER_01","startTime":1226.8,"endTime":1226.96,"body":"and"},{"speaker":"SPEAKER_01","startTime":1226.96,"endTime":1227.36,"body":"tons"},{"speaker":"SPEAKER_01","startTime":1227.36,"endTime":1227.52,"body":"of"},{"speaker":"SPEAKER_01","startTime":1227.52,"endTime":1228.0,"body":"related"},{"speaker":"SPEAKER_01","startTime":1228.0,"endTime":1228.48,"body":"research"},{"speaker":"SPEAKER_01","startTime":1228.48,"endTime":1228.72,"body":"from"},{"speaker":"SPEAKER_01","startTime":1228.72,"endTime":1228.96,"body":"other"},{"speaker":"SPEAKER_01","startTime":1228.96,"endTime":1229.92,"body":"academics."},{"speaker":"SPEAKER_01","startTime":1230.64,"endTime":1230.96,"body":"So"},{"speaker":"SPEAKER_01","startTime":1231.28,"endTime":1231.68,"body":"we're"},{"speaker":"SPEAKER_01","startTime":1231.68,"endTime":1231.92,"body":"doing"},{"speaker":"SPEAKER_01","startTime":1231.92,"endTime":1232.16,"body":"it"},{"speaker":"SPEAKER_01","startTime":1232.16,"endTime":1232.4,"body":"because"},{"speaker":"SPEAKER_01","startTime":1232.4,"endTime":1232.56,"body":"we"},{"speaker":"SPEAKER_01","startTime":1232.56,"endTime":1233.04,"body":"believe"},{"speaker":"SPEAKER_01","startTime":1233.04,"endTime":1233.36,"body":"in"},{"speaker":"SPEAKER_01","startTime":1233.36,"endTime":1233.52,"body":"them,"},{"speaker":"SPEAKER_01","startTime":1233.84,"endTime":1234.16,"body":"not"},{"speaker":"SPEAKER_01","startTime":1234.16,"endTime":1234.48,"body":"because"},{"speaker":"SPEAKER_01","startTime":1234.64,"endTime":1234.96,"body":"we're"},{"speaker":"SPEAKER_01","startTime":1234.96,"endTime":1235.36,"body":"being"},{"speaker":"SPEAKER_01","startTime":1235.36,"endTime":1236.24,"body":"compensated"},{"speaker":"SPEAKER_01","startTime":1236.24,"endTime":1236.56,"body":"by"},{"speaker":"SPEAKER_01","startTime":1236.56,"endTime":1236.88,"body":"them."},{"speaker":"SPEAKER_01","startTime":1237.68,"endTime":1237.92,"body":"I"},{"speaker":"SPEAKER_01","startTime":1237.92,"endTime":1238.24,"body":"don't"},{"speaker":"SPEAKER_01","startTime":1238.24,"endTime":1238.4,"body":"know"},{"speaker":"SPEAKER_01","startTime":1238.4,"endTime":1238.64,"body":"how"},{"speaker":"SPEAKER_01","startTime":1238.64,"endTime":1238.88,"body":"I"},{"speaker":"SPEAKER_01","startTime":1238.88,"endTime":1239.52,"body":"verify"},{"speaker":"SPEAKER_01","startTime":1239.52,"endTime":1239.76,"body":"that,"},{"speaker":"SPEAKER_01","startTime":1240.0,"endTime":1240.24,"body":"how"},{"speaker":"SPEAKER_01","startTime":1240.24,"endTime":1240.56,"body":"I"},{"speaker":"SPEAKER_01","startTime":1240.56,"endTime":1240.96,"body":"prove"},{"speaker":"SPEAKER_01","startTime":1240.96,"endTime":1241.28,"body":"that"},{"speaker":"SPEAKER_01","startTime":1241.28,"endTime":1241.6,"body":"to"},{"speaker":"SPEAKER_01","startTime":1241.6,"endTime":1241.84,"body":"you,"},{"speaker":"SPEAKER_01","startTime":1242.08,"endTime":1242.32,"body":"but"},{"speaker":"SPEAKER_01","startTime":1242.32,"endTime":1243.04,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":1243.04,"endTime":1243.6,"body":"telling"},{"speaker":"SPEAKER_01","startTime":1243.6,"endTime":1243.92,"body":"you"},{"speaker":"SPEAKER_01","startTime":1243.92,"endTime":1244.24,"body":"that"},{"speaker":"SPEAKER_01","startTime":1245.28,"endTime":1245.52,"body":"and"},{"speaker":"SPEAKER_01","startTime":1245.92,"endTime":1246.24,"body":"putting"},{"speaker":"SPEAKER_01","startTime":1246.24,"endTime":1246.48,"body":"it"},{"speaker":"SPEAKER_01","startTime":1246.48,"endTime":1246.64,"body":"out"},{"speaker":"SPEAKER_01","startTime":1246.64,"endTime":1246.8,"body":"in"},{"speaker":"SPEAKER_01","startTime":1246.8,"endTime":1247.12,"body":"a"},{"speaker":"SPEAKER_01","startTime":1247.12,"endTime":1247.44,"body":"public"},{"speaker":"SPEAKER_01","startTime":1247.44,"endTime":1248.08,"body":"forum"},{"speaker":"SPEAKER_01","startTime":1248.64,"endTime":1248.96,"body":"where"},{"speaker":"SPEAKER_01","startTime":1249.12,"endTime":1249.44,"body":"if"},{"speaker":"SPEAKER_01","startTime":1249.44,"endTime":1249.76,"body":"I"},{"speaker":"SPEAKER_01","startTime":1249.76,"endTime":1250.16,"body":"lied,"},{"speaker":"SPEAKER_01","startTime":1250.24,"endTime":1250.56,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":1250.56,"endTime":1250.8,"body":"gonna"},{"speaker":"SPEAKER_01","startTime":1250.8,"endTime":1250.96,"body":"get"},{"speaker":"SPEAKER_01","startTime":1250.96,"endTime":1251.52,"body":"called"},{"speaker":"SPEAKER_01","startTime":1251.52,"endTime":1251.84,"body":"on"},{"speaker":"SPEAKER_01","startTime":1251.84,"endTime":1252.16,"body":"it."},{"speaker":"SPEAKER_01","startTime":1252.48,"endTime":1252.72,"body":"And"},{"speaker":"SPEAKER_01","startTime":1252.72,"endTime":1253.36,"body":"I'm,"},{"speaker":"SPEAKER_01","startTime":1253.44,"endTime":1253.68,"body":"you"},{"speaker":"SPEAKER_01","startTime":1253.68,"endTime":1253.84,"body":"know,"},{"speaker":"SPEAKER_01","startTime":1253.92,"endTime":1254.0,"body":"I"},{"speaker":"SPEAKER_01","startTime":1254.16,"endTime":1254.24,"body":"uh"},{"speaker":"SPEAKER_01","startTime":1254.4,"endTime":1254.88,"body":"anyway,"},{"speaker":"SPEAKER_01","startTime":1254.96,"endTime":1255.2,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":1255.2,"endTime":1255.44,"body":"not"},{"speaker":"SPEAKER_01","startTime":1255.44,"endTime":1255.84,"body":"lying"},{"speaker":"SPEAKER_01","startTime":1255.84,"endTime":1256.08,"body":"about"},{"speaker":"SPEAKER_01","startTime":1256.08,"endTime":1256.24,"body":"this"},{"speaker":"SPEAKER_01","startTime":1256.24,"endTime":1256.64,"body":"stuff."},{"speaker":"SPEAKER_01","startTime":1256.88,"endTime":1257.28,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":1257.28,"endTime":1257.6,"body":"just"},{"speaker":"SPEAKER_01","startTime":1257.6,"endTime":1257.92,"body":"not."},{"speaker":"SPEAKER_01","startTime":1258.16,"endTime":1258.4,"body":"You"},{"speaker":"SPEAKER_01","startTime":1258.4,"endTime":1258.64,"body":"could"},{"speaker":"SPEAKER_01","startTime":1258.64,"endTime":1258.8,"body":"think"},{"speaker":"SPEAKER_01","startTime":1258.8,"endTime":1258.96,"body":"that,"},{"speaker":"SPEAKER_01","startTime":1259.04,"endTime":1259.2,"body":"and"},{"speaker":"SPEAKER_01","startTime":1259.2,"endTime":1259.36,"body":"I"},{"speaker":"SPEAKER_01","startTime":1259.36,"endTime":1259.68,"body":"understand"},{"speaker":"SPEAKER_01","startTime":1259.68,"endTime":1259.92,"body":"why,"},{"speaker":"SPEAKER_01","startTime":1260.0,"endTime":1260.24,"body":"but"},{"speaker":"SPEAKER_01","startTime":1260.24,"endTime":1260.64,"body":"I'm"},{"speaker":"SPEAKER_01","startTime":1260.64,"endTime":1260.88,"body":"not."},{"speaker":"SPEAKER_01","startTime":1261.2,"endTime":1261.36,"body":"Uh"},{"speaker":"SPEAKER_01","startTime":1261.44,"endTime":1261.6,"body":"I"},{"speaker":"SPEAKER_01","startTime":1261.6,"endTime":1261.76,"body":"think"},{"speaker":"SPEAKER_01","startTime":1261.76,"endTime":1262.0,"body":"we're"},{"speaker":"SPEAKER_01","startTime":1262.0,"endTime":1262.16,"body":"to"},{"speaker":"SPEAKER_01","startTime":1262.16,"endTime":1262.32,"body":"our"},{"speaker":"SPEAKER_01","startTime":1262.32,"endTime":1262.56,"body":"last"},{"speaker":"SPEAKER_01","startTime":1262.56,"endTime":1262.88,"body":"question"},{"speaker":"SPEAKER_01","startTime":1262.88,"endTime":1262.96,"body":"of"},{"speaker":"SPEAKER_01","startTime":1262.96,"endTime":1263.04,"body":"the"},{"speaker":"SPEAKER_01","startTime":1263.04,"endTime":1263.28,"body":"day."},{"speaker":"SPEAKER_01","startTime":1263.44,"endTime":1263.6,"body":"Yeah,"},{"speaker":"SPEAKER_01","startTime":1263.68,"endTime":1263.84,"body":"we"},{"speaker":"SPEAKER_01","startTime":1263.84,"endTime":1264.0,"body":"are."},{"speaker":"SPEAKER_01","startTime":1264.08,"endTime":1264.4,"body":"Here's"},{"speaker":"SPEAKER_01","startTime":1264.4,"endTime":1264.56,"body":"the"},{"speaker":"SPEAKER_01","startTime":1264.56,"endTime":1264.88,"body":"last"},{"speaker":"SPEAKER_01","startTime":1264.88,"endTime":1265.04,"body":"one."},{"speaker":"SPEAKER_03","startTime":1265.52,"endTime":1265.68,"body":"Hi,"},{"speaker":"SPEAKER_03","startTime":1265.84,"endTime":1266.16,"body":"Don."},{"speaker":"SPEAKER_03","startTime":1266.48,"endTime":1266.64,"body":"This"},{"speaker":"SPEAKER_03","startTime":1266.64,"endTime":1266.88,"body":"is"},{"speaker":"SPEAKER_03","startTime":1266.88,"endTime":1267.36,"body":"Vince"},{"speaker":"SPEAKER_03","startTime":1267.36,"endTime":1267.52,"body":"from"},{"speaker":"SPEAKER_03","startTime":1267.52,"endTime":1268.16,"body":"Illinois."},{"speaker":"SPEAKER_03","startTime":1268.48,"endTime":1268.8,"body":"Had"},{"speaker":"SPEAKER_03","startTime":1268.8,"endTime":1269.12,"body":"a"},{"speaker":"SPEAKER_03","startTime":1269.12,"endTime":1269.44,"body":"question."},{"speaker":"SPEAKER_03","startTime":1269.68,"endTime":1269.92,"body":"I"},{"speaker":"SPEAKER_03","startTime":1269.92,"endTime":1270.48,"body":"recently"},{"speaker":"SPEAKER_03","startTime":1270.48,"endTime":1270.72,"body":"got"},{"speaker":"SPEAKER_03","startTime":1270.72,"endTime":1270.88,"body":"a"},{"speaker":"SPEAKER_03","startTime":1270.88,"endTime":1271.36,"body":"couple"},{"speaker":"SPEAKER_03","startTime":1271.36,"endTime":1271.68,"body":"of"},{"speaker":"SPEAKER_03","startTime":1272.88,"endTime":1273.68,"body":"semi-annual"},{"speaker":"SPEAKER_03","startTime":1273.68,"endTime":1274.32,"body":"shareholder"},{"speaker":"SPEAKER_03","startTime":1274.32,"endTime":1274.72,"body":"reports"},{"speaker":"SPEAKER_03","startTime":1274.72,"endTime":1274.88,"body":"from"},{"speaker":"SPEAKER_03","startTime":1274.88,"endTime":1275.76,"body":"Avantis"},{"speaker":"SPEAKER_03","startTime":1275.76,"endTime":1276.4,"body":"investors,"},{"speaker":"SPEAKER_03","startTime":1276.56,"endTime":1276.72,"body":"one"},{"speaker":"SPEAKER_03","startTime":1276.88,"endTime":1277.04,"body":"for"},{"speaker":"SPEAKER_03","startTime":1277.04,"endTime":1277.76,"body":"Avantis"},{"speaker":"SPEAKER_03","startTime":1277.92,"endTime":1278.4,"body":"International"},{"speaker":"SPEAKER_03","startTime":1278.4,"endTime":1278.96,"body":"Equity"},{"speaker":"SPEAKER_03","startTime":1278.96,"endTime":1279.76,"body":"ETF,"},{"speaker":"SPEAKER_03","startTime":1280.0,"endTime":1281.12,"body":"AVDE,"},{"speaker":"SPEAKER_03","startTime":1281.36,"endTime":1281.52,"body":"and"},{"speaker":"SPEAKER_03","startTime":1281.52,"endTime":1281.76,"body":"the"},{"speaker":"SPEAKER_03","startTime":1281.76,"endTime":1282.0,"body":"other"},{"speaker":"SPEAKER_03","startTime":1282.0,"endTime":1282.24,"body":"for"},{"speaker":"SPEAKER_03","startTime":1282.24,"endTime":1283.12,"body":"Avantis"},{"speaker":"SPEAKER_03","startTime":1283.36,"endTime":1283.6,"body":"U.S."},{"speaker":"SPEAKER_03","startTime":1283.76,"endTime":1284.08,"body":"Small"},{"speaker":"SPEAKER_03","startTime":1284.08,"endTime":1284.4,"body":"Cap"},{"speaker":"SPEAKER_03","startTime":1284.48,"endTime":1284.96,"body":"Value"},{"speaker":"SPEAKER_03","startTime":1284.96,"endTime":1285.52,"body":"ETF,"},{"speaker":"SPEAKER_03","startTime":1285.68,"endTime":1286.8,"body":"AVUV."},{"speaker":"SPEAKER_03","startTime":1287.44,"endTime":1287.76,"body":"My"},{"speaker":"SPEAKER_03","startTime":1287.76,"endTime":1288.32,"body":"question"},{"speaker":"SPEAKER_03","startTime":1288.32,"endTime":1288.64,"body":"is"},{"speaker":"SPEAKER_03","startTime":1288.64,"endTime":1288.96,"body":"this."},{"speaker":"SPEAKER_03","startTime":1289.76,"endTime":1290.08,"body":"So"},{"speaker":"SPEAKER_03","startTime":1290.4,"endTime":1290.72,"body":"the"},{"speaker":"SPEAKER_03","startTime":1290.72,"endTime":1291.52,"body":"management"},{"speaker":"SPEAKER_03","startTime":1291.52,"endTime":1292.16,"body":"fees"},{"speaker":"SPEAKER_03","startTime":1292.16,"endTime":1292.8,"body":"paid"},{"speaker":"SPEAKER_03","startTime":1292.8,"endTime":1293.12,"body":"for"},{"speaker":"SPEAKER_03","startTime":1293.12,"endTime":1293.44,"body":"the"},{"speaker":"SPEAKER_03","startTime":1293.44,"endTime":1293.76,"body":"last"},{"speaker":"SPEAKER_03","startTime":1294.56,"endTime":1294.96,"body":"half"},{"speaker":"SPEAKER_03","startTime":1294.96,"endTime":1295.36,"body":"year"},{"speaker":"SPEAKER_03","startTime":1295.44,"endTime":1295.68,"body":"from"},{"speaker":"SPEAKER_03","startTime":1295.68,"endTime":1296.32,"body":"September"},{"speaker":"SPEAKER_03","startTime":1296.32,"endTime":1296.48,"body":"to"},{"speaker":"SPEAKER_03","startTime":1296.48,"endTime":1297.36,"body":"February"},{"speaker":"SPEAKER_03","startTime":1297.68,"endTime":1298.0,"body":"for"},{"speaker":"SPEAKER_03","startTime":1298.0,"endTime":1299.36,"body":"AVUV"},{"speaker":"SPEAKER_03","startTime":1299.68,"endTime":1300.0,"body":"is"},{"speaker":"SPEAKER_03","startTime":1300.16,"endTime":1300.48,"body":"twenty"},{"speaker":"SPEAKER_03","startTime":1300.56,"endTime":1301.04,"body":"four"},{"speaker":"SPEAKER_03","startTime":1301.04,"endTime":1301.52,"body":"million"},{"speaker":"SPEAKER_03","startTime":1301.84,"endTime":1302.24,"body":"nine"},{"speaker":"SPEAKER_03","startTime":1302.24,"endTime":1302.48,"body":"hundred"},{"speaker":"SPEAKER_03","startTime":1302.48,"endTime":1302.56,"body":"and"},{"speaker":"SPEAKER_03","startTime":1302.72,"endTime":1303.52,"body":"twenty-three"},{"speaker":"SPEAKER_03","startTime":1303.52,"endTime":1304.16,"body":"thousand"},{"speaker":"SPEAKER_03","startTime":1304.48,"endTime":1304.88,"body":"six"},{"speaker":"SPEAKER_03","startTime":1304.88,"endTime":1305.12,"body":"hundred"},{"speaker":"SPEAKER_03","startTime":1305.2,"endTime":1305.28,"body":"and"},{"speaker":"SPEAKER_03","startTime":1305.44,"endTime":1306.24,"body":"seventeen."},{"speaker":"SPEAKER_03","startTime":1307.28,"endTime":1308.32,"body":"Similarly,"},{"speaker":"SPEAKER_03","startTime":1308.56,"endTime":1308.8,"body":"the"},{"speaker":"SPEAKER_03","startTime":1308.8,"endTime":1309.44,"body":"management"},{"speaker":"SPEAKER_03","startTime":1309.44,"endTime":1310.08,"body":"fees"},{"speaker":"SPEAKER_03","startTime":1310.08,"endTime":1310.72,"body":"paid"},{"speaker":"SPEAKER_03","startTime":1310.72,"endTime":1311.04,"body":"for"},{"speaker":"SPEAKER_03","startTime":1311.36,"endTime":1311.68,"body":"the"},{"speaker":"SPEAKER_03","startTime":1311.68,"endTime":1312.64,"body":"AVDE,"},{"speaker":"SPEAKER_03","startTime":1312.96,"endTime":1313.12,"body":"the"},{"speaker":"SPEAKER_03","startTime":1313.12,"endTime":1313.68,"body":"International"},{"speaker":"SPEAKER_03","startTime":1313.68,"endTime":1314.16,"body":"Equity"},{"speaker":"SPEAKER_03","startTime":1314.16,"endTime":1314.96,"body":"ETF,"},{"speaker":"SPEAKER_03","startTime":1315.2,"endTime":1315.44,"body":"is"},{"speaker":"SPEAKER_03","startTime":1315.44,"endTime":1315.92,"body":"twelve"},{"speaker":"SPEAKER_03","startTime":1316.08,"endTime":1316.4,"body":"million"},{"speaker":"SPEAKER_03","startTime":1316.64,"endTime":1316.96,"body":"eight"},{"speaker":"SPEAKER_03","startTime":1316.96,"endTime":1317.2,"body":"hundred"},{"speaker":"SPEAKER_03","startTime":1317.36,"endTime":1317.76,"body":"thirty"},{"speaker":"SPEAKER_03","startTime":1317.76,"endTime":1318.08,"body":"seven"},{"speaker":"SPEAKER_03","startTime":1318.08,"endTime":1318.48,"body":"thousand"},{"speaker":"SPEAKER_03","startTime":1318.72,"endTime":1319.04,"body":"nine"},{"speaker":"SPEAKER_03","startTime":1319.2,"endTime":1319.52,"body":"fifty"},{"speaker":"SPEAKER_03","startTime":1319.52,"endTime":1319.76,"body":"nine."},{"speaker":"SPEAKER_03","startTime":1320.96,"endTime":1321.36,"body":"I'm"},{"speaker":"SPEAKER_03","startTime":1321.76,"endTime":1322.32,"body":"shocked"},{"speaker":"SPEAKER_03","startTime":1322.32,"endTime":1322.48,"body":"at"},{"speaker":"SPEAKER_03","startTime":1323.28,"endTime":1323.6,"body":"how"},{"speaker":"SPEAKER_03","startTime":1324.16,"endTime":1324.96,"body":"expensive"},{"speaker":"SPEAKER_03","startTime":1327.36,"endTime":1327.68,"body":"fees"},{"speaker":"SPEAKER_03","startTime":1327.76,"endTime":1328.0,"body":"are."},{"speaker":"SPEAKER_03","startTime":1328.4,"endTime":1328.64,"body":"Is"},{"speaker":"SPEAKER_03","startTime":1328.64,"endTime":1328.88,"body":"that"},{"speaker":"SPEAKER_03","startTime":1328.88,"endTime":1329.04,"body":"how"},{"speaker":"SPEAKER_03","startTime":1329.04,"endTime":1329.28,"body":"much"},{"speaker":"SPEAKER_03","startTime":1329.28,"endTime":1329.6,"body":"they're"},{"speaker":"SPEAKER_03","startTime":1329.6,"endTime":1330.08,"body":"paying"},{"speaker":"SPEAKER_03","startTime":1330.08,"endTime":1330.4,"body":"their"},{"speaker":"SPEAKER_03","startTime":1330.4,"endTime":1331.04,"body":"individual"},{"speaker":"SPEAKER_03","startTime":1331.04,"endTime":1331.68,"body":"managers"},{"speaker":"SPEAKER_03","startTime":1331.68,"endTime":1331.92,"body":"for"},{"speaker":"SPEAKER_03","startTime":1331.92,"endTime":1332.16,"body":"these"},{"speaker":"SPEAKER_03","startTime":1332.16,"endTime":1332.48,"body":"funds?"},{"speaker":"SPEAKER_03","startTime":1332.64,"endTime":1332.8,"body":"Or"},{"speaker":"SPEAKER_03","startTime":1333.12,"endTime":1333.36,"body":"or"},{"speaker":"SPEAKER_03","startTime":1333.36,"endTime":1333.6,"body":"who"},{"speaker":"SPEAKER_03","startTime":1333.68,"endTime":1333.92,"body":"all"},{"speaker":"SPEAKER_03","startTime":1333.92,"endTime":1334.16,"body":"is"},{"speaker":"SPEAKER_03","startTime":1334.16,"endTime":1335.2,"body":"encompassed"},{"speaker":"SPEAKER_03","startTime":1335.2,"endTime":1335.44,"body":"in"},{"speaker":"SPEAKER_03","startTime":1335.44,"endTime":1335.84,"body":"those"},{"speaker":"SPEAKER_03","startTime":1335.84,"endTime":1336.48,"body":"payments?"},{"speaker":"SPEAKER_03","startTime":1336.88,"endTime":1337.2,"body":"Just"},{"speaker":"SPEAKER_03","startTime":1337.2,"endTime":1337.52,"body":"trying"},{"speaker":"SPEAKER_03","startTime":1337.52,"endTime":1337.68,"body":"to"},{"speaker":"SPEAKER_03","startTime":1337.68,"endTime":1338.0,"body":"learn"},{"speaker":"SPEAKER_03","startTime":1338.0,"endTime":1338.24,"body":"more"},{"speaker":"SPEAKER_03","startTime":1338.24,"endTime":1338.4,"body":"about"},{"speaker":"SPEAKER_03","startTime":1338.4,"endTime":1338.64,"body":"the"},{"speaker":"SPEAKER_03","startTime":1338.64,"endTime":1339.04,"body":"industry."},{"speaker":"SPEAKER_03","startTime":1339.36,"endTime":1339.68,"body":"Thanks,"},{"speaker":"SPEAKER_03","startTime":1339.84,"endTime":1340.08,"body":"Don."},{"speaker":"SPEAKER_03","startTime":1340.56,"endTime":1340.8,"body":"Keep"},{"speaker":"SPEAKER_03","startTime":1340.8,"endTime":1340.96,"body":"up"},{"speaker":"SPEAKER_03","startTime":1340.96,"endTime":1341.12,"body":"the"},{"speaker":"SPEAKER_03","startTime":1341.12,"endTime":1341.28,"body":"great"},{"speaker":"SPEAKER_03","startTime":1341.28,"endTime":1341.36,"body":"work."},{"speaker":"SPEAKER_01","startTime":1341.84,"endTime":1341.92,"body":"Well,"},{"speaker":"SPEAKER_01","startTime":1342.0,"endTime":1342.24,"body":"these"},{"speaker":"SPEAKER_01","startTime":1342.24,"endTime":1342.4,"body":"are"},{"speaker":"SPEAKER_01","startTime":1342.4,"endTime":1342.72,"body":"big"},{"speaker":"SPEAKER_01","startTime":1342.72,"endTime":1343.44,"body":"companies"},{"speaker":"SPEAKER_01","startTime":1343.44,"endTime":1343.76,"body":"that"},{"speaker":"SPEAKER_01","startTime":1343.76,"endTime":1344.24,"body":"manage"},{"speaker":"SPEAKER_01","startTime":1344.24,"endTime":1344.48,"body":"these"},{"speaker":"SPEAKER_01","startTime":1344.48,"endTime":1345.44,"body":"ETFs."},{"speaker":"SPEAKER_01","startTime":1346.08,"endTime":1346.96,"body":"Avantis"},{"speaker":"SPEAKER_01","startTime":1346.96,"endTime":1347.12,"body":"is"},{"speaker":"SPEAKER_01","startTime":1347.12,"endTime":1347.36,"body":"not"},{"speaker":"SPEAKER_01","startTime":1347.36,"endTime":1347.52,"body":"as"},{"speaker":"SPEAKER_01","startTime":1347.52,"endTime":1347.84,"body":"big"},{"speaker":"SPEAKER_01","startTime":1348.16,"endTime":1348.4,"body":"as"},{"speaker":"SPEAKER_01","startTime":1348.4,"endTime":1348.56,"body":"a"},{"speaker":"SPEAKER_01","startTime":1348.56,"endTime":1349.12,"body":"standalone"},{"speaker":"SPEAKER_01","startTime":1349.2,"endTime":1349.36,"body":"is"},{"speaker":"SPEAKER_01","startTime":1349.52,"endTime":1350.0,"body":"dimensional,"},{"speaker":"SPEAKER_01","startTime":1350.08,"endTime":1350.24,"body":"but"},{"speaker":"SPEAKER_01","startTime":1350.24,"endTime":1350.88,"body":"Avantis"},{"speaker":"SPEAKER_01","startTime":1350.96,"endTime":1351.12,"body":"is"},{"speaker":"SPEAKER_01","startTime":1351.12,"endTime":1351.28,"body":"part"},{"speaker":"SPEAKER_01","startTime":1351.28,"endTime":1351.36,"body":"of"},{"speaker":"SPEAKER_01","startTime":1351.36,"endTime":1351.44,"body":"a"},{"speaker":"SPEAKER_01","startTime":1351.44,"endTime":1351.68,"body":"much"},{"speaker":"SPEAKER_01","startTime":1351.68,"endTime":1352.0,"body":"bigger"},{"speaker":"SPEAKER_01","startTime":1352.0,"endTime":1352.32,"body":"company"},{"speaker":"SPEAKER_01","startTime":1352.32,"endTime":1352.56,"body":"called"},{"speaker":"SPEAKER_01","startTime":1352.56,"endTime":1353.12,"body":"American"},{"speaker":"SPEAKER_01","startTime":1353.12,"endTime":1353.76,"body":"Century"},{"speaker":"SPEAKER_01","startTime":1353.84,"endTime":1354.08,"body":"that"},{"speaker":"SPEAKER_01","startTime":1354.08,"endTime":1354.48,"body":"manages"},{"speaker":"SPEAKER_01","startTime":1354.48,"endTime":1354.88,"body":"mutual"},{"speaker":"SPEAKER_01","startTime":1354.88,"endTime":1355.12,"body":"funds,"},{"speaker":"SPEAKER_01","startTime":1355.2,"endTime":1355.36,"body":"and"},{"speaker":"SPEAKER_01","startTime":1355.36,"endTime":1356.0,"body":"Avantis"},{"speaker":"SPEAKER_01","startTime":1356.0,"endTime":1356.24,"body":"happens"},{"speaker":"SPEAKER_01","startTime":1356.24,"endTime":1356.4,"body":"to"},{"speaker":"SPEAKER_01","startTime":1356.4,"endTime":1356.48,"body":"be"},{"speaker":"SPEAKER_01","startTime":1356.48,"endTime":1356.56,"body":"a"},{"speaker":"SPEAKER_01","startTime":1356.56,"endTime":1357.44,"body":"subsidiary"},{"speaker":"SPEAKER_01","startTime":1357.44,"endTime":1357.76,"body":"of"},{"speaker":"SPEAKER_01","startTime":1357.76,"endTime":1358.08,"body":"it."},{"speaker":"SPEAKER_01","startTime":1358.64,"endTime":1358.88,"body":"So"},{"speaker":"SPEAKER_01","startTime":1359.04,"endTime":1359.28,"body":"that"},{"speaker":"SPEAKER_01","startTime":1359.28,"endTime":1359.92,"body":"expense"},{"speaker":"SPEAKER_01","startTime":1359.92,"endTime":1360.48,"body":"ratio"},{"speaker":"SPEAKER_01","startTime":1360.48,"endTime":1361.04,"body":"covers"},{"speaker":"SPEAKER_01","startTime":1361.04,"endTime":1361.36,"body":"the"},{"speaker":"SPEAKER_01","startTime":1361.36,"endTime":1361.76,"body":"costs"},{"speaker":"SPEAKER_01","startTime":1361.76,"endTime":1362.0,"body":"of"},{"speaker":"SPEAKER_01","startTime":1362.16,"endTime":1362.4,"body":"well,"},{"speaker":"SPEAKER_01","startTime":1362.56,"endTime":1362.8,"body":"the"},{"speaker":"SPEAKER_01","startTime":1362.8,"endTime":1363.36,"body":"managers,"},{"speaker":"SPEAKER_01","startTime":1363.52,"endTime":1363.68,"body":"the"},{"speaker":"SPEAKER_01","startTime":1363.68,"endTime":1363.92,"body":"people"},{"speaker":"SPEAKER_01","startTime":1363.92,"endTime":1364.16,"body":"who"},{"speaker":"SPEAKER_01","startTime":1364.16,"endTime":1364.56,"body":"manage"},{"speaker":"SPEAKER_01","startTime":1364.56,"endTime":1364.72,"body":"the"},{"speaker":"SPEAKER_01","startTime":1364.72,"endTime":1365.36,"body":"portfolio"},{"speaker":"SPEAKER_01","startTime":1365.52,"endTime":1365.84,"body":"who"},{"speaker":"SPEAKER_01","startTime":1367.12,"endTime":1367.36,"body":"make"},{"speaker":"SPEAKER_01","startTime":1367.36,"endTime":1367.68,"body":"sure"},{"speaker":"SPEAKER_01","startTime":1367.68,"endTime":1367.84,"body":"that"},{"speaker":"SPEAKER_01","startTime":1367.84,"endTime":1367.92,"body":"the"},{"speaker":"SPEAKER_01","startTime":1367.92,"endTime":1368.24,"body":"rules"},{"speaker":"SPEAKER_01","startTime":1368.24,"endTime":1368.4,"body":"are"},{"speaker":"SPEAKER_01","startTime":1368.4,"endTime":1368.64,"body":"being"},{"speaker":"SPEAKER_01","startTime":1368.64,"endTime":1368.96,"body":"followed"},{"speaker":"SPEAKER_01","startTime":1368.96,"endTime":1369.44,"body":"correctly"},{"speaker":"SPEAKER_01","startTime":1369.44,"endTime":1369.6,"body":"and"},{"speaker":"SPEAKER_01","startTime":1369.6,"endTime":1370.0,"body":"implemented,"},{"speaker":"SPEAKER_01","startTime":1370.16,"endTime":1370.32,"body":"the"},{"speaker":"SPEAKER_01","startTime":1370.32,"endTime":1370.72,"body":"traders,"},{"speaker":"SPEAKER_01","startTime":1370.88,"endTime":1370.96,"body":"the"},{"speaker":"SPEAKER_01","startTime":1370.96,"endTime":1371.2,"body":"people"},{"speaker":"SPEAKER_01","startTime":1371.2,"endTime":1371.36,"body":"who"},{"speaker":"SPEAKER_01","startTime":1371.36,"endTime":1371.52,"body":"are"},{"speaker":"SPEAKER_01","startTime":1371.52,"endTime":1371.84,"body":"buying"},{"speaker":"SPEAKER_01","startTime":1371.84,"endTime":1372.0,"body":"and"},{"speaker":"SPEAKER_01","startTime":1372.0,"endTime":1372.32,"body":"selling"},{"speaker":"SPEAKER_01","startTime":1372.32,"endTime":1372.4,"body":"the"},{"speaker":"SPEAKER_01","startTime":1372.4,"endTime":1372.8,"body":"stocks"},{"speaker":"SPEAKER_01","startTime":1372.8,"endTime":1372.96,"body":"in"},{"speaker":"SPEAKER_01","startTime":1372.96,"endTime":1373.12,"body":"the"},{"speaker":"SPEAKER_01","startTime":1373.12,"endTime":1374.0,"body":"portfolio,"},{"speaker":"SPEAKER_01","startTime":1374.24,"endTime":1374.56,"body":"the"},{"speaker":"SPEAKER_01","startTime":1374.56,"endTime":1375.2,"body":"support"},{"speaker":"SPEAKER_01","startTime":1375.2,"endTime":1375.52,"body":"people"},{"speaker":"SPEAKER_01","startTime":1375.68,"endTime":1376.0,"body":"who"},{"speaker":"SPEAKER_01","startTime":1376.0,"endTime":1376.24,"body":"take"},{"speaker":"SPEAKER_01","startTime":1376.24,"endTime":1376.4,"body":"the"},{"speaker":"SPEAKER_01","startTime":1376.4,"endTime":1376.72,"body":"phone"},{"speaker":"SPEAKER_01","startTime":1376.72,"endTime":1377.04,"body":"calls"},{"speaker":"SPEAKER_01","startTime":1377.04,"endTime":1377.28,"body":"and"},{"speaker":"SPEAKER_01","startTime":1377.28,"endTime":1377.6,"body":"answer"},{"speaker":"SPEAKER_01","startTime":1377.6,"endTime":1377.76,"body":"the"},{"speaker":"SPEAKER_01","startTime":1377.76,"endTime":1378.32,"body":"emails"},{"speaker":"SPEAKER_01","startTime":1378.32,"endTime":1378.48,"body":"and"},{"speaker":"SPEAKER_01","startTime":1378.48,"endTime":1378.72,"body":"send"},{"speaker":"SPEAKER_01","startTime":1378.72,"endTime":1378.88,"body":"out"},{"speaker":"SPEAKER_01","startTime":1378.88,"endTime":1379.04,"body":"the"},{"speaker":"SPEAKER_01","startTime":1379.04,"endTime":1379.44,"body":"statements"},{"speaker":"SPEAKER_01","startTime":1379.52,"endTime":1379.68,"body":"and"},{"speaker":"SPEAKER_01","startTime":1379.68,"endTime":1380.08,"body":"send"},{"speaker":"SPEAKER_01","startTime":1380.08,"endTime":1380.24,"body":"out"},{"speaker":"SPEAKER_01","startTime":1380.24,"endTime":1380.48,"body":"the"},{"speaker":"SPEAKER_01","startTime":1380.72,"endTime":1381.44,"body":"disclosure"},{"speaker":"SPEAKER_01","startTime":1381.44,"endTime":1382.4,"body":"documents,"},{"speaker":"SPEAKER_01","startTime":1382.72,"endTime":1383.04,"body":"the"},{"speaker":"SPEAKER_01","startTime":1383.04,"endTime":1384.0,"body":"lawyers"},{"speaker":"SPEAKER_01","startTime":1384.16,"endTime":1384.48,"body":"of"},{"speaker":"SPEAKER_01","startTime":1384.72,"endTime":1385.12,"body":"whom"},{"speaker":"SPEAKER_01","startTime":1385.12,"endTime":1385.44,"body":"there"},{"speaker":"SPEAKER_01","startTime":1385.44,"endTime":1385.68,"body":"are"},{"speaker":"SPEAKER_01","startTime":1385.68,"endTime":1386.08,"body":"many"},{"speaker":"SPEAKER_01","startTime":1386.24,"endTime":1386.48,"body":"because"},{"speaker":"SPEAKER_01","startTime":1386.48,"endTime":1386.72,"body":"the"},{"speaker":"SPEAKER_01","startTime":1386.72,"endTime":1387.44,"body":"regulatory"},{"speaker":"SPEAKER_01","startTime":1387.44,"endTime":1388.08,"body":"requirements"},{"speaker":"SPEAKER_01","startTime":1388.08,"endTime":1388.24,"body":"for"},{"speaker":"SPEAKER_01","startTime":1388.24,"endTime":1388.4,"body":"an"},{"speaker":"SPEAKER_01","startTime":1388.4,"endTime":1388.96,"body":"ETF"},{"speaker":"SPEAKER_01","startTime":1388.96,"endTime":1389.12,"body":"or"},{"speaker":"SPEAKER_01","startTime":1389.12,"endTime":1389.2,"body":"a"},{"speaker":"SPEAKER_01","startTime":1389.2,"endTime":1389.76,"body":"mutual"},{"speaker":"SPEAKER_01","startTime":1389.76,"endTime":1390.08,"body":"fund"},{"speaker":"SPEAKER_01","startTime":1390.32,"endTime":1390.64,"body":"are"},{"speaker":"SPEAKER_01","startTime":1390.64,"endTime":1391.36,"body":"dramatic."},{"speaker":"SPEAKER_01","startTime":1391.52,"endTime":1391.92,"body":"They're"},{"speaker":"SPEAKER_01","startTime":1391.92,"endTime":1392.8,"body":"astronomical."},{"speaker":"SPEAKER_01","startTime":1392.96,"endTime":1393.2,"body":"They"},{"speaker":"SPEAKER_01","startTime":1393.2,"endTime":1393.44,"body":"are"},{"speaker":"SPEAKER_01","startTime":1394.16,"endTime":1394.4,"body":"as"},{"speaker":"SPEAKER_01","startTime":1394.4,"endTime":1394.56,"body":"an"},{"speaker":"SPEAKER_01","startTime":1394.56,"endTime":1395.04,"body":"investment"},{"speaker":"SPEAKER_01","startTime":1395.04,"endTime":1395.68,"body":"advisor."},{"speaker":"SPEAKER_01","startTime":1396.08,"endTime":1396.24,"body":"It's"},{"speaker":"SPEAKER_01","startTime":1396.24,"endTime":1396.4,"body":"not"},{"speaker":"SPEAKER_01","startTime":1396.4,"endTime":1396.56,"body":"a"},{"speaker":"SPEAKER_01","startTime":1396.56,"endTime":1396.88,"body":"business"},{"speaker":"SPEAKER_01","startTime":1396.88,"endTime":1397.04,"body":"I"},{"speaker":"SPEAKER_01","startTime":1397.04,"endTime":1397.2,"body":"would"},{"speaker":"SPEAKER_01","startTime":1397.2,"endTime":1397.44,"body":"enter"},{"speaker":"SPEAKER_01","startTime":1397.44,"endTime":1397.76,"body":"into"},{"speaker":"SPEAKER_01","startTime":1397.76,"endTime":1398.16,"body":"lightly"},{"speaker":"SPEAKER_01","startTime":1398.32,"endTime":1398.56,"body":"because"},{"speaker":"SPEAKER_01","startTime":1398.56,"endTime":1398.88,"body":"the"},{"speaker":"SPEAKER_01","startTime":1399.12,"endTime":1399.76,"body":"compliance"},{"speaker":"SPEAKER_01","startTime":1399.76,"endTime":1400.24,"body":"costs"},{"speaker":"SPEAKER_01","startTime":1400.24,"endTime":1400.56,"body":"are"},{"speaker":"SPEAKER_01","startTime":1400.56,"endTime":1400.88,"body":"just"},{"speaker":"SPEAKER_01","startTime":1401.04,"endTime":1401.36,"body":"out"},{"speaker":"SPEAKER_01","startTime":1401.36,"endTime":1401.68,"body":"of"},{"speaker":"SPEAKER_01","startTime":1401.68,"endTime":1402.32,"body":"sight."},{"speaker":"SPEAKER_01","startTime":1402.88,"endTime":1403.12,"body":"I"},{"speaker":"SPEAKER_01","startTime":1403.12,"endTime":1403.68,"body":"guarantee"},{"speaker":"SPEAKER_01","startTime":1403.68,"endTime":1403.76,"body":"you"},{"speaker":"SPEAKER_01","startTime":1403.84,"endTime":1404.08,"body":"they"},{"speaker":"SPEAKER_01","startTime":1404.08,"endTime":1404.32,"body":"spend"},{"speaker":"SPEAKER_01","startTime":1404.32,"endTime":1404.64,"body":"millions"},{"speaker":"SPEAKER_01","startTime":1404.64,"endTime":1404.8,"body":"of"},{"speaker":"SPEAKER_01","startTime":1404.8,"endTime":1405.04,"body":"dollars"},{"speaker":"SPEAKER_01","startTime":1405.04,"endTime":1405.12,"body":"a"},{"speaker":"SPEAKER_01","startTime":1405.12,"endTime":1405.36,"body":"year"},{"speaker":"SPEAKER_01","startTime":1405.36,"endTime":1405.52,"body":"just"},{"speaker":"SPEAKER_01","startTime":1405.52,"endTime":1405.76,"body":"on"},{"speaker":"SPEAKER_01","startTime":1405.76,"endTime":1406.32,"body":"lawyers."},{"speaker":"SPEAKER_01","startTime":1407.52,"endTime":1407.92,"body":"It's"},{"speaker":"SPEAKER_01","startTime":1407.92,"endTime":1408.08,"body":"not"},{"speaker":"SPEAKER_01","startTime":1408.08,"endTime":1408.32,"body":"going"},{"speaker":"SPEAKER_01","startTime":1408.32,"endTime":1408.56,"body":"to"},{"speaker":"SPEAKER_01","startTime":1408.56,"endTime":1408.72,"body":"one"},{"speaker":"SPEAKER_01","startTime":1408.72,"endTime":1409.12,"body":"manager."},{"speaker":"SPEAKER_01","startTime":1409.28,"endTime":1409.52,"body":"That"},{"speaker":"SPEAKER_01","startTime":1409.52,"endTime":1409.68,"body":"I"},{"speaker":"SPEAKER_01","startTime":1409.68,"endTime":1409.84,"body":"can"},{"speaker":"SPEAKER_01","startTime":1409.84,"endTime":1410.0,"body":"tell"},{"speaker":"SPEAKER_01","startTime":1410.0,"endTime":1410.16,"body":"you."},{"speaker":"SPEAKER_01","startTime":1410.32,"endTime":1410.56,"body":"I"},{"speaker":"SPEAKER_01","startTime":1410.56,"endTime":1410.8,"body":"am"},{"speaker":"SPEAKER_01","startTime":1410.8,"endTime":1411.44,"body":"confident"},{"speaker":"SPEAKER_01","startTime":1411.44,"endTime":1411.6,"body":"that"},{"speaker":"SPEAKER_01","startTime":1411.84,"endTime":1412.08,"body":"uh"},{"speaker":"SPEAKER_01","startTime":1412.08,"endTime":1412.48,"body":"money"},{"speaker":"SPEAKER_01","startTime":1412.48,"endTime":1412.72,"body":"is"},{"speaker":"SPEAKER_01","startTime":1412.72,"endTime":1412.96,"body":"not"},{"speaker":"SPEAKER_01","startTime":1412.96,"endTime":1413.12,"body":"going"},{"speaker":"SPEAKER_01","startTime":1413.12,"endTime":1413.28,"body":"to"},{"speaker":"SPEAKER_01","startTime":1413.28,"endTime":1413.44,"body":"one"},{"speaker":"SPEAKER_01","startTime":1413.44,"endTime":1413.92,"body":"manager."},{"speaker":"SPEAKER_01","startTime":1414.16,"endTime":1414.32,"body":"It"},{"speaker":"SPEAKER_01","startTime":1414.32,"endTime":1414.56,"body":"really"},{"speaker":"SPEAKER_01","startTime":1414.56,"endTime":1414.72,"body":"is."},{"speaker":"SPEAKER_01","startTime":1414.88,"endTime":1415.12,"body":"It's"},{"speaker":"SPEAKER_01","startTime":1415.12,"endTime":1415.2,"body":"a"},{"speaker":"SPEAKER_01","startTime":1415.2,"endTime":1415.36,"body":"big"},{"speaker":"SPEAKER_01","startTime":1415.36,"endTime":1415.6,"body":"fund."},{"speaker":"SPEAKER_01","startTime":1415.84,"endTime":1416.8,"body":"Avant's"},{"speaker":"SPEAKER_01","startTime":1417.68,"endTime":1418.0,"body":"uh"},{"speaker":"SPEAKER_01","startTime":1418.8,"endTime":1419.2,"body":"small"},{"speaker":"SPEAKER_01","startTime":1419.2,"endTime":1419.44,"body":"cap"},{"speaker":"SPEAKER_01","startTime":1419.6,"endTime":1419.84,"body":"value,"},{"speaker":"SPEAKER_01","startTime":1420.0,"endTime":1420.96,"body":"AVUV,"},{"speaker":"SPEAKER_01","startTime":1421.12,"endTime":1421.44,"body":"is"},{"speaker":"SPEAKER_01","startTime":1421.44,"endTime":1421.68,"body":"a"},{"speaker":"SPEAKER_01","startTime":1421.68,"endTime":1422.4,"body":"$27"},{"speaker":"SPEAKER_01","startTime":1422.88,"endTime":1423.52,"body":"billion"},{"speaker":"SPEAKER_01","startTime":1424.16,"endTime":1424.48,"body":"fund."},{"speaker":"SPEAKER_01","startTime":1424.8,"endTime":1424.96,"body":"So"},{"speaker":"SPEAKER_01","startTime":1425.04,"endTime":1425.28,"body":"that"},{"speaker":"SPEAKER_01","startTime":1425.28,"endTime":1425.76,"body":"$24"},{"speaker":"SPEAKER_01","startTime":1426.0,"endTime":1426.56,"body":"million"},{"speaker":"SPEAKER_01","startTime":1426.88,"endTime":1427.2,"body":"is"},{"speaker":"SPEAKER_01","startTime":1427.2,"endTime":1427.52,"body":"really"},{"speaker":"SPEAKER_01","startTime":1427.52,"endTime":1427.92,"body":"quite"},{"speaker":"SPEAKER_01","startTime":1427.92,"endTime":1428.4,"body":"small"},{"speaker":"SPEAKER_01","startTime":1428.4,"endTime":1428.72,"body":"in"},{"speaker":"SPEAKER_01","startTime":1428.72,"endTime":1429.2,"body":"relation"},{"speaker":"SPEAKER_01","startTime":1429.2,"endTime":1429.44,"body":"to"},{"speaker":"SPEAKER_01","startTime":1429.44,"endTime":1429.76,"body":"the"},{"speaker":"SPEAKER_01","startTime":1429.76,"endTime":1430.4,"body":"billions"},{"speaker":"SPEAKER_01","startTime":1430.4,"endTime":1430.56,"body":"they"},{"speaker":"SPEAKER_01","startTime":1430.56,"endTime":1430.96,"body":"manage."},{"speaker":"SPEAKER_01","startTime":1431.12,"endTime":1431.28,"body":"It"},{"speaker":"SPEAKER_01","startTime":1431.28,"endTime":1431.44,"body":"is"},{"speaker":"SPEAKER_01","startTime":1431.44,"endTime":1431.76,"body":"large,"},{"speaker":"SPEAKER_01","startTime":1431.84,"endTime":1432.0,"body":"of"},{"speaker":"SPEAKER_01","startTime":1432.0,"endTime":1432.16,"body":"course."},{"speaker":"SPEAKER_01","startTime":1432.4,"endTime":1432.56,"body":"If"},{"speaker":"SPEAKER_01","startTime":1432.56,"endTime":1432.72,"body":"it"},{"speaker":"SPEAKER_01","startTime":1432.72,"endTime":1432.88,"body":"was"},{"speaker":"SPEAKER_01","startTime":1432.88,"endTime":1433.04,"body":"my"},{"speaker":"SPEAKER_01","startTime":1433.04,"endTime":1433.28,"body":"money,"},{"speaker":"SPEAKER_01","startTime":1433.36,"endTime":1433.44,"body":"I"},{"speaker":"SPEAKER_01","startTime":1433.44,"endTime":1433.6,"body":"would"},{"speaker":"SPEAKER_01","startTime":1433.6,"endTime":1433.76,"body":"feel"},{"speaker":"SPEAKER_01","startTime":1433.76,"endTime":1433.92,"body":"like"},{"speaker":"SPEAKER_01","startTime":1433.92,"endTime":1434.08,"body":"I"},{"speaker":"SPEAKER_01","startTime":1434.08,"endTime":1434.32,"body":"was"},{"speaker":"SPEAKER_01","startTime":1434.32,"endTime":1434.48,"body":"very"},{"speaker":"SPEAKER_01","startTime":1434.48,"endTime":1435.12,"body":"wealthy."},{"speaker":"SPEAKER_01","startTime":1435.6,"endTime":1435.76,"body":"But"},{"speaker":"SPEAKER_01","startTime":1436.16,"endTime":1436.56,"body":"that's"},{"speaker":"SPEAKER_01","startTime":1436.64,"endTime":1436.72,"body":"uh"},{"speaker":"SPEAKER_01","startTime":1437.2,"endTime":1437.44,"body":"they're"},{"speaker":"SPEAKER_01","startTime":1437.44,"endTime":1437.6,"body":"on"},{"speaker":"SPEAKER_01","startTime":1437.6,"endTime":1437.68,"body":"a"},{"speaker":"SPEAKER_01","startTime":1437.68,"endTime":1437.92,"body":"different"},{"speaker":"SPEAKER_01","startTime":1437.92,"endTime":1438.24,"body":"scale"},{"speaker":"SPEAKER_01","startTime":1438.24,"endTime":1438.56,"body":"than"},{"speaker":"SPEAKER_01","startTime":1438.56,"endTime":1438.72,"body":"us."},{"speaker":"SPEAKER_01","startTime":1439.36,"endTime":1439.68,"body":"So"},{"speaker":"SPEAKER_01","startTime":1440.08,"endTime":1440.72,"body":"it's"},{"speaker":"SPEAKER_01","startTime":1440.96,"endTime":1441.68,"body":"reasonable."},{"speaker":"SPEAKER_01","startTime":1442.0,"endTime":1442.24,"body":"It"},{"speaker":"SPEAKER_01","startTime":1442.24,"endTime":1442.64,"body":"pays"},{"speaker":"SPEAKER_01","startTime":1442.64,"endTime":1442.88,"body":"a"},{"speaker":"SPEAKER_01","startTime":1442.88,"endTime":1443.04,"body":"lot"},{"speaker":"SPEAKER_01","startTime":1443.04,"endTime":1443.36,"body":"of"},{"speaker":"SPEAKER_01","startTime":1443.36,"endTime":1443.6,"body":"people,"},{"speaker":"SPEAKER_01","startTime":1443.76,"endTime":1443.92,"body":"a"},{"speaker":"SPEAKER_01","startTime":1443.92,"endTime":1444.08,"body":"lot"},{"speaker":"SPEAKER_01","startTime":1444.08,"endTime":1444.32,"body":"of"},{"speaker":"SPEAKER_01","startTime":1444.32,"endTime":1444.48,"body":"people."},{"speaker":"SPEAKER_01","startTime":1444.64,"endTime":1444.8,"body":"I"},{"speaker":"SPEAKER_01","startTime":1444.8,"endTime":1444.96,"body":"mean,"},{"speaker":"SPEAKER_01","startTime":1445.12,"endTime":1445.28,"body":"I"},{"speaker":"SPEAKER_01","startTime":1445.28,"endTime":1445.6,"body":"haven't"},{"speaker":"SPEAKER_01","startTime":1445.6,"endTime":1445.76,"body":"been"},{"speaker":"SPEAKER_01","startTime":1445.76,"endTime":1446.0,"body":"to"},{"speaker":"SPEAKER_01","startTime":1446.0,"endTime":1447.28,"body":"Avantis's"},{"speaker":"SPEAKER_01","startTime":1447.52,"endTime":1448.24,"body":"offices,"},{"speaker":"SPEAKER_01","startTime":1448.4,"endTime":1448.64,"body":"but"},{"speaker":"SPEAKER_01","startTime":1448.64,"endTime":1448.88,"body":"I've"},{"speaker":"SPEAKER_01","startTime":1448.88,"endTime":1449.04,"body":"been"},{"speaker":"SPEAKER_01","startTime":1449.04,"endTime":1449.28,"body":"to"},{"speaker":"SPEAKER_01","startTime":1449.28,"endTime":1450.16,"body":"Dimensional's"},{"speaker":"SPEAKER_01","startTime":1450.16,"endTime":1450.56,"body":"offices"},{"speaker":"SPEAKER_01","startTime":1450.64,"endTime":1450.88,"body":"both"},{"speaker":"SPEAKER_01","startTime":1450.88,"endTime":1451.12,"body":"in"},{"speaker":"SPEAKER_01","startTime":1451.12,"endTime":1451.92,"body":"California"},{"speaker":"SPEAKER_01","startTime":1452.24,"endTime":1452.56,"body":"and"},{"speaker":"SPEAKER_01","startTime":1452.56,"endTime":1452.88,"body":"in"},{"speaker":"SPEAKER_01","startTime":1453.2,"endTime":1454.08,"body":"Texas,"},{"speaker":"SPEAKER_01","startTime":1454.4,"endTime":1454.72,"body":"and"},{"speaker":"SPEAKER_01","startTime":1454.72,"endTime":1455.36,"body":"those"},{"speaker":"SPEAKER_01","startTime":1455.36,"endTime":1455.68,"body":"are"},{"speaker":"SPEAKER_01","startTime":1455.84,"endTime":1456.48,"body":"giant"},{"speaker":"SPEAKER_01","startTime":1456.8,"endTime":1457.68,"body":"operations"},{"speaker":"SPEAKER_01","startTime":1458.0,"endTime":1458.32,"body":"with"},{"speaker":"SPEAKER_01","startTime":1459.12,"endTime":1460.0,"body":"hundreds"},{"speaker":"SPEAKER_01","startTime":1460.0,"endTime":1460.32,"body":"of"},{"speaker":"SPEAKER_01","startTime":1460.32,"endTime":1460.64,"body":"people."},{"speaker":"SPEAKER_01","startTime":1461.04,"endTime":1461.36,"body":"There"},{"speaker":"SPEAKER_01","startTime":1461.36,"endTime":1461.52,"body":"are"},{"speaker":"SPEAKER_01","startTime":1461.52,"endTime":1461.68,"body":"a"},{"speaker":"SPEAKER_01","startTime":1461.68,"endTime":1461.84,"body":"lot"},{"speaker":"SPEAKER_01","startTime":1461.84,"endTime":1462.0,"body":"of"},{"speaker":"SPEAKER_01","startTime":1462.0,"endTime":1462.48,"body":"mouths"},{"speaker":"SPEAKER_01","startTime":1462.48,"endTime":1462.64,"body":"to"},{"speaker":"SPEAKER_01","startTime":1462.64,"endTime":1462.88,"body":"feed"},{"speaker":"SPEAKER_01","startTime":1462.96,"endTime":1463.2,"body":"and"},{"speaker":"SPEAKER_01","startTime":1463.2,"endTime":1463.36,"body":"people"},{"speaker":"SPEAKER_01","startTime":1463.36,"endTime":1463.52,"body":"to"},{"speaker":"SPEAKER_01","startTime":1463.52,"endTime":1463.84,"body":"take"},{"speaker":"SPEAKER_01","startTime":1463.84,"endTime":1464.08,"body":"care"},{"speaker":"SPEAKER_01","startTime":1464.08,"endTime":1464.24,"body":"of"},{"speaker":"SPEAKER_01","startTime":1464.4,"endTime":1464.72,"body":"who"},{"speaker":"SPEAKER_01","startTime":1464.72,"endTime":1465.04,"body":"make"},{"speaker":"SPEAKER_01","startTime":1465.04,"endTime":1465.2,"body":"these"},{"speaker":"SPEAKER_01","startTime":1465.2,"endTime":1465.68,"body":"things"},{"speaker":"SPEAKER_01","startTime":1465.68,"endTime":1465.92,"body":"work."},{"speaker":"SPEAKER_01","startTime":1466.24,"endTime":1466.48,"body":"It's"},{"speaker":"SPEAKER_01","startTime":1466.48,"endTime":1466.64,"body":"a"},{"speaker":"SPEAKER_01","startTime":1466.64,"endTime":1466.96,"body":"big"},{"speaker":"SPEAKER_01","startTime":1466.96,"endTime":1467.2,"body":"deal."},{"speaker":"SPEAKER_01","startTime":1467.6,"endTime":1467.84,"body":"It's"},{"speaker":"SPEAKER_01","startTime":1467.84,"endTime":1467.92,"body":"a"},{"speaker":"SPEAKER_01","startTime":1467.92,"endTime":1468.16,"body":"big"},{"speaker":"SPEAKER_01","startTime":1468.16,"endTime":1468.32,"body":"deal."},{"speaker":"SPEAKER_01","startTime":1468.48,"endTime":1468.72,"body":"As"},{"speaker":"SPEAKER_01","startTime":1468.72,"endTime":1469.04,"body":"anyone"},{"speaker":"SPEAKER_01","startTime":1469.04,"endTime":1469.2,"body":"who"},{"speaker":"SPEAKER_01","startTime":1469.2,"endTime":1469.44,"body":"runs"},{"speaker":"SPEAKER_01","startTime":1469.44,"endTime":1469.6,"body":"a"},{"speaker":"SPEAKER_01","startTime":1469.6,"endTime":1470.0,"body":"business"},{"speaker":"SPEAKER_01","startTime":1470.0,"endTime":1470.16,"body":"will"},{"speaker":"SPEAKER_01","startTime":1470.16,"endTime":1470.4,"body":"tell"},{"speaker":"SPEAKER_01","startTime":1470.4,"endTime":1470.56,"body":"you,"},{"speaker":"SPEAKER_01","startTime":1470.72,"endTime":1471.04,"body":"there's"},{"speaker":"SPEAKER_01","startTime":1471.04,"endTime":1471.12,"body":"a"},{"speaker":"SPEAKER_01","startTime":1471.12,"endTime":1471.36,"body":"lot"},{"speaker":"SPEAKER_01","startTime":1471.36,"endTime":1471.6,"body":"more"},{"speaker":"SPEAKER_01","startTime":1471.6,"endTime":1471.84,"body":"than"},{"speaker":"SPEAKER_01","startTime":1471.84,"endTime":1472.08,"body":"just"},{"speaker":"SPEAKER_01","startTime":1472.08,"endTime":1472.4,"body":"the"},{"speaker":"SPEAKER_01","startTime":1472.4,"endTime":1472.72,"body":"one"},{"speaker":"SPEAKER_01","startTime":1472.72,"endTime":1473.2,"body":"owner."},{"speaker":"SPEAKER_01","startTime":1473.44,"endTime":1473.68,"body":"There"},{"speaker":"SPEAKER_01","startTime":1473.68,"endTime":1474.0,"body":"are"},{"speaker":"SPEAKER_01","startTime":1474.0,"endTime":1474.16,"body":"people"},{"speaker":"SPEAKER_01","startTime":1474.48,"endTime":1474.88,"body":"working"},{"speaker":"SPEAKER_01","startTime":1474.88,"endTime":1475.04,"body":"all"},{"speaker":"SPEAKER_01","startTime":1475.04,"endTime":1475.36,"body":"kinds"},{"speaker":"SPEAKER_01","startTime":1475.36,"endTime":1475.44,"body":"of"},{"speaker":"SPEAKER_01","startTime":1475.44,"endTime":1475.92,"body":"jobs."},{"speaker":"SPEAKER_01","startTime":1476.16,"endTime":1476.72,"body":"Thanks"},{"speaker":"SPEAKER_01","startTime":1476.72,"endTime":1477.04,"body":"so"},{"speaker":"SPEAKER_01","startTime":1477.04,"endTime":1477.36,"body":"much"},{"speaker":"SPEAKER_01","startTime":1477.36,"endTime":1477.68,"body":"for"},{"speaker":"SPEAKER_01","startTime":1477.68,"endTime":1478.0,"body":"all"},{"speaker":"SPEAKER_01","startTime":1478.0,"endTime":1478.32,"body":"of"},{"speaker":"SPEAKER_01","startTime":1478.32,"endTime":1478.64,"body":"your"},{"speaker":"SPEAKER_01","startTime":1478.8,"endTime":1479.6,"body":"interesting"},{"speaker":"SPEAKER_01","startTime":1479.6,"endTime":1480.24,"body":"questions"},{"speaker":"SPEAKER_01","startTime":1480.24,"endTime":1480.72,"body":"today."},{"speaker":"SPEAKER_01","startTime":1481.04,"endTime":1481.44,"body":"Please"},{"speaker":"SPEAKER_01","startTime":1481.44,"endTime":1481.68,"body":"keep"},{"speaker":"SPEAKER_01","startTime":1481.68,"endTime":1481.92,"body":"sending"},{"speaker":"SPEAKER_01","startTime":1481.92,"endTime":1482.08,"body":"them"},{"speaker":"SPEAKER_01","startTime":1482.08,"endTime":1482.24,"body":"in"},{"speaker":"SPEAKER_01","startTime":1482.24,"endTime":1482.4,"body":"at"},{"speaker":"SPEAKER_01","startTime":1482.4,"endTime":1483.6,"body":"talkingrealmoney.com"},{"speaker":"SPEAKER_01","startTime":1483.6,"endTime":1483.76,"body":"on"},{"speaker":"SPEAKER_01","startTime":1483.76,"endTime":1483.84,"body":"the"},{"speaker":"SPEAKER_01","startTime":1483.84,"endTime":1484.24,"body":"contact"},{"speaker":"SPEAKER_01","startTime":1484.24,"endTime":1484.48,"body":"forum,"},{"speaker":"SPEAKER_01","startTime":1484.56,"endTime":1484.8,"body":"and"},{"speaker":"SPEAKER_01","startTime":1484.8,"endTime":1484.96,"body":"I"},{"speaker":"SPEAKER_01","startTime":1484.96,"endTime":1485.28,"body":"prefer"},{"speaker":"SPEAKER_01","startTime":1485.28,"endTime":1485.44,"body":"you"},{"speaker":"SPEAKER_01","startTime":1485.44,"endTime":1485.68,"body":"speak"},{"speaker":"SPEAKER_01","startTime":1485.76,"endTime":1485.92,"body":"them,"},{"speaker":"SPEAKER_01","startTime":1486.0,"endTime":1486.32,"body":"please."},{"speaker":"SPEAKER_01","startTime":1487.12,"endTime":1487.36,"body":"All"},{"speaker":"SPEAKER_01","startTime":1487.36,"endTime":1487.52,"body":"right."},{"speaker":"SPEAKER_01","startTime":1488.4,"endTime":1488.72,"body":"Thanks"},{"speaker":"SPEAKER_01","startTime":1488.72,"endTime":1488.88,"body":"for"},{"speaker":"SPEAKER_01","startTime":1488.88,"endTime":1489.2,"body":"listening."},{"speaker":"SPEAKER_01","startTime":1489.36,"endTime":1489.68,"body":"Please"},{"speaker":"SPEAKER_01","startTime":1489.68,"endTime":1489.84,"body":"tell"},{"speaker":"SPEAKER_01","startTime":1489.84,"endTime":1489.92,"body":"a"},{"speaker":"SPEAKER_01","startTime":1489.92,"endTime":1490.16,"body":"friend"},{"speaker":"SPEAKER_01","startTime":1490.16,"endTime":1490.4,"body":"or"},{"speaker":"SPEAKER_01","startTime":1490.4,"endTime":1490.72,"body":"two."},{"speaker":"SPEAKER_01","startTime":1490.88,"endTime":1491.12,"body":"And"},{"speaker":"SPEAKER_01","startTime":1491.2,"endTime":1491.44,"body":"um"},{"speaker":"SPEAKER_01","startTime":1491.76,"endTime":1492.08,"body":"if"},{"speaker":"SPEAKER_01","startTime":1492.08,"endTime":1492.4,"body":"you"},{"speaker":"SPEAKER_01","startTime":1492.4,"endTime":1492.64,"body":"need"},{"speaker":"SPEAKER_01","startTime":1492.64,"endTime":1492.72,"body":"uh"},{"speaker":"SPEAKER_01","startTime":1492.96,"endTime":1493.28,"body":"more"},{"speaker":"SPEAKER_01","startTime":1493.28,"endTime":1493.6,"body":"help,"},{"speaker":"SPEAKER_01","startTime":1493.76,"endTime":1494.0,"body":"you"},{"speaker":"SPEAKER_01","startTime":1494.0,"endTime":1494.24,"body":"want"},{"speaker":"SPEAKER_01","startTime":1494.24,"endTime":1494.48,"body":"to"},{"speaker":"SPEAKER_01","startTime":1494.48,"endTime":1494.8,"body":"really"},{"speaker":"SPEAKER_01","startTime":1495.28,"endTime":1495.52,"body":"have"},{"speaker":"SPEAKER_01","startTime":1495.52,"endTime":1495.92,"body":"someone"},{"speaker":"SPEAKER_01","startTime":1495.92,"endTime":1496.24,"body":"dig"},{"speaker":"SPEAKER_01","startTime":1496.24,"endTime":1496.48,"body":"into"},{"speaker":"SPEAKER_01","startTime":1496.48,"endTime":1496.72,"body":"your"},{"speaker":"SPEAKER_01","startTime":1496.72,"endTime":1497.36,"body":"portfolio"},{"speaker":"SPEAKER_01","startTime":1497.44,"endTime":1497.68,"body":"in"},{"speaker":"SPEAKER_01","startTime":1497.68,"endTime":1497.84,"body":"more"},{"speaker":"SPEAKER_01","startTime":1497.84,"endTime":1498.0,"body":"than"},{"speaker":"SPEAKER_01","startTime":1498.0,"endTime":1498.24,"body":"just"},{"speaker":"SPEAKER_01","startTime":1498.24,"endTime":1498.32,"body":"a"},{"speaker":"SPEAKER_01","startTime":1498.32,"endTime":1498.72,"body":"quick"},{"speaker":"SPEAKER_01","startTime":1498.72,"endTime":1499.2,"body":"question."},{"speaker":"SPEAKER_01","startTime":1499.44,"endTime":1499.76,"body":"We"},{"speaker":"SPEAKER_01","startTime":1499.76,"endTime":1499.92,"body":"do"},{"speaker":"SPEAKER_01","startTime":1499.92,"endTime":1500.32,"body":"offer"},{"speaker":"SPEAKER_01","startTime":1500.32,"endTime":1500.64,"body":"free"},{"speaker":"SPEAKER_01","startTime":1500.64,"endTime":1500.96,"body":"help"},{"speaker":"SPEAKER_01","startTime":1500.96,"endTime":1501.2,"body":"from"},{"speaker":"SPEAKER_01","startTime":1501.2,"endTime":1501.68,"body":"real-life"},{"speaker":"SPEAKER_01","startTime":1501.68,"endTime":1502.4,"body":"fiduciary"},{"speaker":"SPEAKER_01","startTime":1502.4,"endTime":1503.04,"body":"advisors"},{"speaker":"SPEAKER_01","startTime":1503.28,"endTime":1503.6,"body":"who"},{"speaker":"SPEAKER_01","startTime":1503.6,"endTime":1503.92,"body":"are"},{"speaker":"SPEAKER_01","startTime":1504.0,"endTime":1504.24,"body":"uh"},{"speaker":"SPEAKER_01","startTime":1505.12,"endTime":1505.44,"body":"not"},{"speaker":"SPEAKER_01","startTime":1505.44,"endTime":1506.08,"body":"paid"},{"speaker":"SPEAKER_01","startTime":1506.08,"endTime":1506.4,"body":"to"},{"speaker":"SPEAKER_01","startTime":1506.4,"endTime":1506.88,"body":"help"},{"speaker":"SPEAKER_01","startTime":1506.88,"endTime":1507.2,"body":"you"},{"speaker":"SPEAKER_01","startTime":1507.2,"endTime":1507.52,"body":"out,"},{"speaker":"SPEAKER_01","startTime":1507.92,"endTime":1508.16,"body":"but"},{"speaker":"SPEAKER_01","startTime":1508.16,"endTime":1508.4,"body":"they"},{"speaker":"SPEAKER_01","startTime":1508.4,"endTime":1508.56,"body":"do"},{"speaker":"SPEAKER_01","startTime":1508.56,"endTime":1508.72,"body":"it"},{"speaker":"SPEAKER_01","startTime":1508.72,"endTime":1508.88,"body":"out"},{"speaker":"SPEAKER_01","startTime":1508.88,"endTime":1508.96,"body":"of"},{"speaker":"SPEAKER_01","startTime":1508.96,"endTime":1509.12,"body":"the"},{"speaker":"SPEAKER_01","startTime":1509.12,"endTime":1509.44,"body":"goodness"},{"speaker":"SPEAKER_01","startTime":1509.44,"endTime":1509.6,"body":"of"},{"speaker":"SPEAKER_01","startTime":1509.6,"endTime":1509.76,"body":"their"},{"speaker":"SPEAKER_01","startTime":1509.76,"endTime":1510.0,"body":"heart"},{"speaker":"SPEAKER_01","startTime":1510.08,"endTime":1510.32,"body":"because"},{"speaker":"SPEAKER_01","startTime":1510.32,"endTime":1510.48,"body":"we"},{"speaker":"SPEAKER_01","startTime":1510.48,"endTime":1510.72,"body":"believe"},{"speaker":"SPEAKER_01","startTime":1510.72,"endTime":1510.88,"body":"in"},{"speaker":"SPEAKER_01","startTime":1510.88,"endTime":1511.36,"body":"helping"},{"speaker":"SPEAKER_01","startTime":1511.36,"endTime":1512.16,"body":"everybody."},{"speaker":"SPEAKER_01","startTime":1512.32,"endTime":1512.56,"body":"Uh"},{"speaker":"SPEAKER_01","startTime":1512.72,"endTime":1513.12,"body":"they'll"},{"speaker":"SPEAKER_01","startTime":1513.12,"endTime":1513.44,"body":"help"},{"speaker":"SPEAKER_01","startTime":1513.44,"endTime":1513.6,"body":"you"},{"speaker":"SPEAKER_01","startTime":1513.6,"endTime":1513.84,"body":"for"},{"speaker":"SPEAKER_01","startTime":1513.84,"endTime":1514.16,"body":"free,"},{"speaker":"SPEAKER_01","startTime":1514.4,"endTime":1514.64,"body":"no"},{"speaker":"SPEAKER_01","startTime":1514.64,"endTime":1515.2,"body":"obligation,"},{"speaker":"SPEAKER_01","startTime":1515.28,"endTime":1515.52,"body":"and"},{"speaker":"SPEAKER_01","startTime":1515.52,"endTime":1515.6,"body":"you"},{"speaker":"SPEAKER_01","startTime":1515.6,"endTime":1515.84,"body":"won't"},{"speaker":"SPEAKER_01","startTime":1515.84,"endTime":1515.92,"body":"get"},{"speaker":"SPEAKER_01","startTime":1515.92,"endTime":1516.0,"body":"a"},{"speaker":"SPEAKER_01","startTime":1516.0,"endTime":1516.64,"body":"high-pressure"},{"speaker":"SPEAKER_01","startTime":1516.64,"endTime":1516.88,"body":"sales"},{"speaker":"SPEAKER_01","startTime":1516.88,"endTime":1517.12,"body":"pitch,"},{"speaker":"SPEAKER_01","startTime":1517.2,"endTime":1517.28,"body":"I"},{"speaker":"SPEAKER_01","startTime":1517.28,"endTime":1517.44,"body":"promise."},{"speaker":"SPEAKER_01","startTime":1517.52,"endTime":1517.68,"body":"Just"},{"speaker":"SPEAKER_01","startTime":1517.68,"endTime":1517.76,"body":"go"},{"speaker":"SPEAKER_01","startTime":1517.76,"endTime":1517.84,"body":"to"},{"speaker":"SPEAKER_01","startTime":1517.84,"endTime":1519.36,"body":"talkingrealmoney.com"},{"speaker":"SPEAKER_01","startTime":1519.44,"endTime":1519.6,"body":"and"},{"speaker":"SPEAKER_01","startTime":1519.6,"endTime":1519.92,"body":"click"},{"speaker":"SPEAKER_01","startTime":1519.92,"endTime":1520.0,"body":"on"},{"speaker":"SPEAKER_01","startTime":1520.0,"endTime":1520.08,"body":"the"},{"speaker":"SPEAKER_01","startTime":1520.08,"endTime":1520.32,"body":"button"},{"speaker":"SPEAKER_01","startTime":1520.32,"endTime":1520.4,"body":"that"},{"speaker":"SPEAKER_01","startTime":1520.4,"endTime":1520.56,"body":"says"},{"speaker":"SPEAKER_01","startTime":1520.64,"endTime":1520.96,"body":"meet"},{"speaker":"SPEAKER_01","startTime":1520.96,"endTime":1521.04,"body":"an"},{"speaker":"SPEAKER_01","startTime":1521.04,"endTime":1521.36,"body":"advisor"},{"speaker":"SPEAKER_01","startTime":1521.44,"endTime":1521.52,"body":"and"},{"speaker":"SPEAKER_01","startTime":1521.52,"endTime":1521.68,"body":"meet"},{"speaker":"SPEAKER_01","startTime":1521.68,"endTime":1521.84,"body":"with"},{"speaker":"SPEAKER_01","startTime":1521.84,"endTime":1521.92,"body":"one"},{"speaker":"SPEAKER_01","startTime":1521.92,"endTime":1522.0,"body":"of"},{"speaker":"SPEAKER_01","startTime":1522.0,"endTime":1522.08,"body":"the"},{"speaker":"SPEAKER_01","startTime":1522.08,"endTime":1522.56,"body":"advisors,"},{"speaker":"SPEAKER_01","startTime":1522.64,"endTime":1523.04,"body":"including"},{"speaker":"SPEAKER_01","startTime":1523.04,"endTime":1523.28,"body":"Tom,"},{"speaker":"SPEAKER_01","startTime":1523.36,"endTime":1523.6,"body":"if"},{"speaker":"SPEAKER_01","startTime":1523.6,"endTime":1523.92,"body":"you"},{"speaker":"SPEAKER_01","startTime":1523.92,"endTime":1524.24,"body":"want."},{"speaker":"SPEAKER_01","startTime":1524.4,"endTime":1524.72,"body":"And"},{"speaker":"SPEAKER_01","startTime":1524.72,"endTime":1525.12,"body":"keep"},{"speaker":"SPEAKER_01","startTime":1525.12,"endTime":1525.76,"body":"listening"},{"speaker":"SPEAKER_01","startTime":1525.76,"endTime":1526.0,"body":"to"},{"speaker":"SPEAKER_01","startTime":1526.0,"endTime":1526.56,"body":"Talking"},{"speaker":"SPEAKER_01","startTime":1526.56,"endTime":1526.88,"body":"Real"},{"speaker":"SPEAKER_01","startTime":1526.88,"endTime":1527.52,"body":"Money."},{"speaker":"SPEAKER_00","startTime":1528.0,"endTime":1528.16,"body":"The"},{"speaker":"SPEAKER_00","startTime":1528.16,"endTime":1528.56,"body":"opinions"},{"speaker":"SPEAKER_00","startTime":1528.56,"endTime":1528.72,"body":"and"},{"speaker":"SPEAKER_00","startTime":1528.72,"endTime":1528.96,"body":"views"},{"speaker":"SPEAKER_00","startTime":1528.96,"endTime":1529.2,"body":"expressed"},{"speaker":"SPEAKER_00","startTime":1529.2,"endTime":1529.28,"body":"on"},{"speaker":"SPEAKER_00","startTime":1529.28,"endTime":1529.44,"body":"this"},{"speaker":"SPEAKER_00","startTime":1529.44,"endTime":1529.6,"body":"podcast"},{"speaker":"SPEAKER_00","startTime":1529.68,"endTime":1529.84,"body":"were"},{"speaker":"SPEAKER_00","startTime":1529.84,"endTime":1530.08,"body":"current"},{"speaker":"SPEAKER_00","startTime":1530.08,"endTime":1530.16,"body":"on"},{"speaker":"SPEAKER_00","startTime":1530.16,"endTime":1530.24,"body":"the"},{"speaker":"SPEAKER_00","startTime":1530.24,"endTime":1530.48,"body":"date"},{"speaker":"SPEAKER_00","startTime":1530.48,"endTime":1530.88,"body":"recorded."},{"speaker":"SPEAKER_00","startTime":1531.04,"endTime":1531.44,"body":"Opinions,"},{"speaker":"SPEAKER_00","startTime":1531.6,"endTime":1531.92,"body":"estimates,"},{"speaker":"SPEAKER_00","startTime":1532.0,"endTime":1532.4,"body":"forecasts,"},{"speaker":"SPEAKER_00","startTime":1532.48,"endTime":1532.56,"body":"and"},{"speaker":"SPEAKER_00","startTime":1532.56,"endTime":1532.8,"body":"statements"},{"speaker":"SPEAKER_00","startTime":1532.8,"endTime":1532.88,"body":"of"},{"speaker":"SPEAKER_00","startTime":1532.88,"endTime":1533.2,"body":"financial"},{"speaker":"SPEAKER_00","startTime":1533.2,"endTime":1533.44,"body":"market"},{"speaker":"SPEAKER_00","startTime":1533.44,"endTime":1533.76,"body":"trends"},{"speaker":"SPEAKER_00","startTime":1533.76,"endTime":1533.84,"body":"that"},{"speaker":"SPEAKER_00","startTime":1533.84,"endTime":1533.92,"body":"are"},{"speaker":"SPEAKER_00","startTime":1533.92,"endTime":1534.08,"body":"based"},{"speaker":"SPEAKER_00","startTime":1534.08,"endTime":1534.16,"body":"on"},{"speaker":"SPEAKER_00","startTime":1534.16,"endTime":1534.48,"body":"current"},{"speaker":"SPEAKER_00","startTime":1534.48,"endTime":1534.72,"body":"market"},{"speaker":"SPEAKER_00","startTime":1534.72,"endTime":1535.04,"body":"conditions"},{"speaker":"SPEAKER_00","startTime":1535.12,"endTime":1535.44,"body":"constitute"},{"speaker":"SPEAKER_00","startTime":1535.44,"endTime":1535.6,"body":"our"},{"speaker":"SPEAKER_00","startTime":1535.6,"endTime":1535.84,"body":"judgment"},{"speaker":"SPEAKER_00","startTime":1535.92,"endTime":1536.08,"body":"and"},{"speaker":"SPEAKER_00","startTime":1536.08,"endTime":1536.16,"body":"our"},{"speaker":"SPEAKER_00","startTime":1536.16,"endTime":1536.56,"body":"subjects"},{"speaker":"SPEAKER_00","startTime":1536.56,"endTime":1536.72,"body":"change"},{"speaker":"SPEAKER_00","startTime":1536.8,"endTime":1537.04,"body":"without"},{"speaker":"SPEAKER_00","startTime":1537.04,"endTime":1537.28,"body":"notice,"},{"speaker":"SPEAKER_00","startTime":1537.36,"endTime":1537.6,"body":"including"},{"speaker":"SPEAKER_00","startTime":1537.6,"endTime":1537.76,"body":"any"},{"speaker":"SPEAKER_00","startTime":1537.76,"endTime":1538.4,"body":"forward-looking"},{"speaker":"SPEAKER_00","startTime":1538.4,"endTime":1538.72,"body":"estimates"},{"speaker":"SPEAKER_00","startTime":1538.72,"endTime":1538.88,"body":"or"},{"speaker":"SPEAKER_00","startTime":1538.88,"endTime":1539.12,"body":"statements"},{"speaker":"SPEAKER_00","startTime":1539.2,"endTime":1539.36,"body":"which"},{"speaker":"SPEAKER_00","startTime":1539.36,"endTime":1539.44,"body":"are"},{"speaker":"SPEAKER_00","startTime":1539.44,"endTime":1539.68,"body":"based"},{"speaker":"SPEAKER_00","startTime":1539.68,"endTime":1539.76,"body":"on"},{"speaker":"SPEAKER_00","startTime":1539.76,"endTime":1540.08,"body":"certain"},{"speaker":"SPEAKER_00","startTime":1540.08,"endTime":1540.64,"body":"expectations"},{"speaker":"SPEAKER_00","startTime":1540.64,"endTime":1540.8,"body":"and"},{"speaker":"SPEAKER_00","startTime":1540.8,"endTime":1541.28,"body":"assumptions."},{"speaker":"SPEAKER_00","startTime":1541.44,"endTime":1541.84,"body":"Although"},{"speaker":"SPEAKER_00","startTime":1541.84,"endTime":1542.24,"body":"information"},{"speaker":"SPEAKER_00","startTime":1542.24,"endTime":1542.4,"body":"and"},{"speaker":"SPEAKER_00","startTime":1542.4,"endTime":1542.8,"body":"opinions"},{"speaker":"SPEAKER_00","startTime":1542.8,"endTime":1543.12,"body":"given"},{"speaker":"SPEAKER_00","startTime":1543.12,"endTime":1543.28,"body":"have"},{"speaker":"SPEAKER_00","startTime":1543.28,"endTime":1543.36,"body":"been"},{"speaker":"SPEAKER_00","startTime":1543.36,"endTime":1543.68,"body":"obtained"},{"speaker":"SPEAKER_00","startTime":1543.68,"endTime":1543.92,"body":"from"},{"speaker":"SPEAKER_00","startTime":1543.92,"endTime":1544.08,"body":"or"},{"speaker":"SPEAKER_00","startTime":1544.08,"endTime":1544.32,"body":"based"},{"speaker":"SPEAKER_00","startTime":1544.32,"endTime":1544.48,"body":"on"},{"speaker":"SPEAKER_00","startTime":1544.48,"endTime":1544.96,"body":"sources"},{"speaker":"SPEAKER_00","startTime":1544.96,"endTime":1545.28,"body":"believed"},{"speaker":"SPEAKER_00","startTime":1545.28,"endTime":1545.36,"body":"to"},{"speaker":"SPEAKER_00","startTime":1545.36,"endTime":1545.52,"body":"be"},{"speaker":"SPEAKER_00","startTime":1545.52,"endTime":1546.0,"body":"reliable,"},{"speaker":"SPEAKER_00","startTime":1546.16,"endTime":1546.32,"body":"no"},{"speaker":"SPEAKER_00","startTime":1546.32,"endTime":1546.88,"body":"warranty"},{"speaker":"SPEAKER_00","startTime":1546.88,"endTime":1547.04,"body":"or"},{"speaker":"SPEAKER_00","startTime":1547.04,"endTime":1547.52,"body":"representation"},{"speaker":"SPEAKER_00","startTime":1547.52,"endTime":1547.68,"body":"is"},{"speaker":"SPEAKER_00","startTime":1547.68,"endTime":1547.92,"body":"made"},{"speaker":"SPEAKER_00","startTime":1547.92,"endTime":1548.08,"body":"as"},{"speaker":"SPEAKER_00","startTime":1548.08,"endTime":1548.24,"body":"to"},{"speaker":"SPEAKER_00","startTime":1548.24,"endTime":1548.4,"body":"their"},{"speaker":"SPEAKER_00","startTime":1548.4,"endTime":1548.88,"body":"correctness,"},{"speaker":"SPEAKER_00","startTime":1549.04,"endTime":1549.44,"body":"completeness,"},{"speaker":"SPEAKER_00","startTime":1549.52,"endTime":1549.68,"body":"or"},{"speaker":"SPEAKER_00","startTime":1549.68,"endTime":1550.32,"body":"accuracy."},{"speaker":"SPEAKER_00","startTime":1550.64,"endTime":1551.04,"body":"Information"},{"speaker":"SPEAKER_00","startTime":1551.04,"endTime":1551.44,"body":"presented"},{"speaker":"SPEAKER_00","startTime":1551.44,"endTime":1551.52,"body":"on"},{"speaker":"SPEAKER_00","startTime":1551.52,"endTime":1551.6,"body":"the"},{"speaker":"SPEAKER_00","startTime":1551.6,"endTime":1552.0,"body":"podcast"},{"speaker":"SPEAKER_00","startTime":1552.0,"endTime":1552.08,"body":"is"},{"speaker":"SPEAKER_00","startTime":1552.08,"endTime":1552.24,"body":"not"},{"speaker":"SPEAKER_00","startTime":1552.24,"endTime":1552.64,"body":"personalized"},{"speaker":"SPEAKER_00","startTime":1552.64,"endTime":1552.88,"body":"investment"},{"speaker":"SPEAKER_00","startTime":1552.88,"endTime":1553.12,"body":"advice"},{"speaker":"SPEAKER_00","startTime":1553.12,"endTime":1553.28,"body":"from"},{"speaker":"SPEAKER_00","startTime":1553.28,"endTime":1553.52,"body":"Apello"},{"speaker":"SPEAKER_00","startTime":1553.76,"endTime":1553.92,"body":"Well."},{"speaker":"SPEAKER_00","startTime":1554.16,"endTime":1554.24,"body":"The"},{"speaker":"SPEAKER_00","startTime":1554.24,"endTime":1554.56,"body":"views"},{"speaker":"SPEAKER_00","startTime":1554.56,"endTime":1554.64,"body":"and"},{"speaker":"SPEAKER_00","startTime":1554.64,"endTime":1555.12,"body":"strategies"},{"speaker":"SPEAKER_00","startTime":1555.12,"endTime":1555.68,"body":"described"},{"speaker":"SPEAKER_00","startTime":1555.68,"endTime":1555.84,"body":"may"},{"speaker":"SPEAKER_00","startTime":1555.84,"endTime":1556.0,"body":"not"},{"speaker":"SPEAKER_00","startTime":1556.0,"endTime":1556.16,"body":"be"},{"speaker":"SPEAKER_00","startTime":1556.16,"endTime":1556.64,"body":"suitable"},{"speaker":"SPEAKER_00","startTime":1556.64,"endTime":1556.72,"body":"for"},{"speaker":"SPEAKER_00","startTime":1556.72,"endTime":1557.2,"body":"everyone."},{"speaker":"SPEAKER_00","startTime":1557.44,"endTime":1557.68,"body":"This"},{"speaker":"SPEAKER_00","startTime":1557.68,"endTime":1558.08,"body":"podcast"},{"speaker":"SPEAKER_00","startTime":1558.08,"endTime":1558.24,"body":"does"},{"speaker":"SPEAKER_00","startTime":1558.24,"endTime":1558.4,"body":"not"},{"speaker":"SPEAKER_00","startTime":1558.4,"endTime":1558.8,"body":"identify"},{"speaker":"SPEAKER_00","startTime":1558.8,"endTime":1558.96,"body":"all"},{"speaker":"SPEAKER_00","startTime":1558.96,"endTime":1559.04,"body":"the"},{"speaker":"SPEAKER_00","startTime":1559.04,"endTime":1559.28,"body":"risks,"},{"speaker":"SPEAKER_00","startTime":1559.44,"endTime":1559.68,"body":"direct"},{"speaker":"SPEAKER_00","startTime":1559.68,"endTime":1559.84,"body":"or"},{"speaker":"SPEAKER_00","startTime":1559.84,"endTime":1560.24,"body":"indirect,"},{"speaker":"SPEAKER_00","startTime":1560.32,"endTime":1560.48,"body":"or"},{"speaker":"SPEAKER_00","startTime":1560.48,"endTime":1560.72,"body":"other"},{"speaker":"SPEAKER_00","startTime":1560.72,"endTime":1561.12,"body":"considerations"},{"speaker":"SPEAKER_00","startTime":1561.2,"endTime":1561.44,"body":"which"},{"speaker":"SPEAKER_00","startTime":1561.44,"endTime":1561.6,"body":"might"},{"speaker":"SPEAKER_00","startTime":1561.6,"endTime":1561.76,"body":"be"},{"speaker":"SPEAKER_00","startTime":1561.76,"endTime":1562.08,"body":"material"},{"speaker":"SPEAKER_00","startTime":1562.08,"endTime":1562.16,"body":"to"},{"speaker":"SPEAKER_00","startTime":1562.16,"endTime":1562.32,"body":"you"},{"speaker":"SPEAKER_00","startTime":1562.32,"endTime":1562.56,"body":"when"},{"speaker":"SPEAKER_00","startTime":1562.56,"endTime":1562.8,"body":"entering"},{"speaker":"SPEAKER_00","startTime":1562.96,"endTime":1563.2,"body":"any"},{"speaker":"SPEAKER_00","startTime":1563.2,"endTime":1563.6,"body":"financial"},{"speaker":"SPEAKER_00","startTime":1563.6,"endTime":1564.08,"body":"transaction."},{"speaker":"SPEAKER_00","startTime":1564.4,"endTime":1564.64,"body":"Past"},{"speaker":"SPEAKER_00","startTime":1564.8,"endTime":1565.2,"body":"performance"},{"speaker":"SPEAKER_00","startTime":1565.2,"endTime":1565.36,"body":"does"},{"speaker":"SPEAKER_00","startTime":1565.36,"endTime":1565.44,"body":"not"},{"speaker":"SPEAKER_00","startTime":1565.44,"endTime":1565.84,"body":"guarantee"},{"speaker":"SPEAKER_00","startTime":1565.84,"endTime":1566.16,"body":"feature"},{"speaker":"SPEAKER_00","startTime":1566.16,"endTime":1566.48,"body":"results,"},{"speaker":"SPEAKER_00","startTime":1566.56,"endTime":1566.72,"body":"and"},{"speaker":"SPEAKER_00","startTime":1566.72,"endTime":1567.2,"body":"profitable"},{"speaker":"SPEAKER_00","startTime":1567.2,"endTime":1567.52,"body":"results"},{"speaker":"SPEAKER_00","startTime":1567.52,"endTime":1567.84,"body":"cannot"},{"speaker":"SPEAKER_00","startTime":1567.84,"endTime":1567.92,"body":"be"},{"speaker":"SPEAKER_00","startTime":1567.92,"endTime":1568.48,"body":"guaranteed."},{"speaker":"SPEAKER_00","startTime":1568.64,"endTime":1568.8,"body":"We"},{"speaker":"SPEAKER_00","startTime":1568.8,"endTime":1568.96,"body":"hope"},{"speaker":"SPEAKER_00","startTime":1568.96,"endTime":1569.12,"body":"you"},{"speaker":"SPEAKER_00","startTime":1569.12,"endTime":1569.44,"body":"realize"},{"speaker":"SPEAKER_00","startTime":1569.44,"endTime":1569.52,"body":"that"},{"speaker":"SPEAKER_00","startTime":1569.52,"endTime":1569.6,"body":"the"},{"speaker":"SPEAKER_00","startTime":1569.6,"endTime":1569.92,"body":"information"},{"speaker":"SPEAKER_00","startTime":1569.92,"endTime":1570.16,"body":"provided"},{"speaker":"SPEAKER_00","startTime":1570.16,"endTime":1570.32,"body":"on"},{"speaker":"SPEAKER_00","startTime":1570.32,"endTime":1570.72,"body":"Talking"},{"speaker":"SPEAKER_00","startTime":1570.8,"endTime":1570.96,"body":"Real"},{"speaker":"SPEAKER_00","startTime":1571.04,"endTime":1571.28,"body":"Money"},{"speaker":"SPEAKER_00","startTime":1571.28,"endTime":1571.44,"body":"is"},{"speaker":"SPEAKER_00","startTime":1571.44,"endTime":1571.52,"body":"for"},{"speaker":"SPEAKER_00","startTime":1571.52,"endTime":1572.0,"body":"informational,"},{"speaker":"SPEAKER_00","startTime":1572.08,"endTime":1572.48,"body":"educational,"},{"speaker":"SPEAKER_00","startTime":1572.56,"endTime":1572.72,"body":"and"},{"speaker":"SPEAKER_00","startTime":1572.72,"endTime":1573.12,"body":"hopefully"},{"speaker":"SPEAKER_00","startTime":1573.12,"endTime":1573.6,"body":"enjoyable"},{"speaker":"SPEAKER_00","startTime":1573.6,"endTime":1574.0,"body":"purposes"},{"speaker":"SPEAKER_00","startTime":1574.0,"endTime":1574.32,"body":"only."},{"speaker":"SPEAKER_00","startTime":1574.56,"endTime":1574.72,"body":"The"},{"speaker":"SPEAKER_00","startTime":1574.72,"endTime":1575.12,"body":"podcast"},{"speaker":"SPEAKER_00","startTime":1575.12,"endTime":1575.2,"body":"is"},{"speaker":"SPEAKER_00","startTime":1575.2,"endTime":1575.36,"body":"not"},{"speaker":"SPEAKER_00","startTime":1575.36,"endTime":1575.52,"body":"trying"},{"speaker":"SPEAKER_00","startTime":1575.52,"endTime":1575.6,"body":"to"},{"speaker":"SPEAKER_00","startTime":1575.6,"endTime":1575.76,"body":"get"},{"speaker":"SPEAKER_00","startTime":1575.76,"endTime":1575.84,"body":"you"},{"speaker":"SPEAKER_00","startTime":1575.84,"endTime":1576.0,"body":"to"},{"speaker":"SPEAKER_00","startTime":1576.0,"endTime":1576.16,"body":"buy"},{"speaker":"SPEAKER_00","startTime":1576.16,"endTime":1576.32,"body":"or"},{"speaker":"SPEAKER_00","startTime":1576.32,"endTime":1576.56,"body":"sell"},{"speaker":"SPEAKER_00","startTime":1576.56,"endTime":1576.8,"body":"any"},{"speaker":"SPEAKER_00","startTime":1576.8,"endTime":1577.12,"body":"financial"},{"speaker":"SPEAKER_00","startTime":1577.12,"endTime":1577.44,"body":"products"},{"speaker":"SPEAKER_00","startTime":1577.44,"endTime":1577.6,"body":"or"},{"speaker":"SPEAKER_00","startTime":1577.6,"endTime":1578.16,"body":"securities."},{"speaker":"SPEAKER_00","startTime":1578.32,"endTime":1578.64,"body":"Instead,"},{"speaker":"SPEAKER_00","startTime":1578.72,"endTime":1578.88,"body":"the"},{"speaker":"SPEAKER_00","startTime":1578.88,"endTime":1579.12,"body":"program"},{"speaker":"SPEAKER_00","startTime":1579.12,"endTime":1579.28,"body":"is"},{"speaker":"SPEAKER_00","startTime":1579.28,"endTime":1579.6,"body":"provided"},{"speaker":"SPEAKER_00","startTime":1579.6,"endTime":1579.76,"body":"as"},{"speaker":"SPEAKER_00","startTime":1579.76,"endTime":1579.84,"body":"a"},{"speaker":"SPEAKER_00","startTime":1579.84,"endTime":1580.08,"body":"public"},{"speaker":"SPEAKER_00","startTime":1580.08,"endTime":1580.32,"body":"service"},{"speaker":"SPEAKER_00","startTime":1580.32,"endTime":1580.4,"body":"by"},{"speaker":"SPEAKER_00","startTime":1580.4,"endTime":1580.72,"body":"Appello"},{"speaker":"SPEAKER_00","startTime":1580.88,"endTime":1581.12,"body":"Wealth,"},{"speaker":"SPEAKER_00","startTime":1581.2,"endTime":1581.28,"body":"a"},{"speaker":"SPEAKER_00","startTime":1581.28,"endTime":1581.76,"body":"fee-only"},{"speaker":"SPEAKER_00","startTime":1581.76,"endTime":1582.16,"body":"registered"},{"speaker":"SPEAKER_00","startTime":1582.16,"endTime":1582.56,"body":"investment"},{"speaker":"SPEAKER_00","startTime":1582.56,"endTime":1583.04,"body":"advisor."},{"speaker":"SPEAKER_00","startTime":1583.28,"endTime":1583.6,"body":"Please"},{"speaker":"SPEAKER_00","startTime":1583.6,"endTime":1583.84,"body":"see"},{"speaker":"SPEAKER_00","startTime":1583.84,"endTime":1584.16,"body":"Appello"},{"speaker":"SPEAKER_00","startTime":1584.24,"endTime":1584.48,"body":"Wealth"},{"speaker":"SPEAKER_00","startTime":1584.56,"endTime":1584.96,"body":"ADV"},{"speaker":"SPEAKER_00","startTime":1585.04,"endTime":1585.12,"body":"Part"},{"speaker":"SPEAKER_00","startTime":1585.2,"endTime":1585.68,"body":"2A"},{"speaker":"SPEAKER_00","startTime":1585.68,"endTime":1585.76,"body":"on"},{"speaker":"SPEAKER_00","startTime":1585.76,"endTime":1585.92,"body":"our"},{"speaker":"SPEAKER_00","startTime":1585.92,"endTime":1586.24,"body":"website"},{"speaker":"SPEAKER_00","startTime":1586.24,"endTime":1586.4,"body":"for"},{"speaker":"SPEAKER_00","startTime":1586.4,"endTime":1586.72,"body":"information"},{"speaker":"SPEAKER_00","startTime":1586.72,"endTime":1587.04,"body":"regarding"},{"speaker":"SPEAKER_00","startTime":1587.04,"endTime":1587.68,"body":"Appello's"},{"speaker":"SPEAKER_00","startTime":1587.68,"endTime":1587.84,"body":"fees"},{"speaker":"SPEAKER_00","startTime":1587.92,"endTime":1588.0,"body":"and"},{"speaker":"SPEAKER_00","startTime":1588.0,"endTime":1588.32,"body":"services."},{"speaker":"SPEAKER_00","startTime":1588.48,"endTime":1588.8,"body":"Apell"},{"speaker":"SPEAKER_00","startTime":1588.96,"endTime":1589.12,"body":"Capital"},{"speaker":"SPEAKER_00","startTime":1589.36,"endTime":1589.76,"body":"LLC"},{"speaker":"SPEAKER_00","startTime":1589.92,"endTime":1590.24,"body":"DVA"},{"speaker":"SPEAKER_00","startTime":1590.32,"endTime":1590.64,"body":"Apello"},{"speaker":"SPEAKER_00","startTime":1590.72,"endTime":1590.96,"body":"Wealth"},{"speaker":"SPEAKER_00","startTime":1591.04,"endTime":1591.2,"body":"is"},{"speaker":"SPEAKER_00","startTime":1591.2,"endTime":1591.28,"body":"an"},{"speaker":"SPEAKER_00","startTime":1591.28,"endTime":1591.6,"body":"investment"},{"speaker":"SPEAKER_00","startTime":1591.6,"endTime":1592.08,"body":"advisory"},{"speaker":"SPEAKER_00","startTime":1592.08,"endTime":1592.4,"body":"firm"},{"speaker":"SPEAKER_00","startTime":1592.4,"endTime":1592.72,"body":"registered"},{"speaker":"SPEAKER_00","startTime":1592.72,"endTime":1592.88,"body":"with"},{"speaker":"SPEAKER_00","startTime":1592.88,"endTime":1592.96,"body":"the"},{"speaker":"SPEAKER_00","startTime":1592.96,"endTime":1593.44,"body":"Securities"},{"speaker":"SPEAKER_00","startTime":1593.44,"endTime":1593.6,"body":"and"},{"speaker":"SPEAKER_00","startTime":1593.6,"endTime":1594.0,"body":"Exchange"},{"speaker":"SPEAKER_00","startTime":1594.0,"endTime":1594.32,"body":"Commission."},{"speaker":"SPEAKER_00","startTime":1594.64,"endTime":1594.72,"body":"The"},{"speaker":"SPEAKER_00","startTime":1594.72,"endTime":1594.96,"body":"firm"},{"speaker":"SPEAKER_00","startTime":1594.96,"endTime":1595.12,"body":"only"},{"speaker":"SPEAKER_00","startTime":1595.12,"endTime":1595.68,"body":"transacts"},{"speaker":"SPEAKER_00","startTime":1595.68,"endTime":1596.0,"body":"business"},{"speaker":"SPEAKER_00","startTime":1596.0,"endTime":1596.08,"body":"in"},{"speaker":"SPEAKER_00","startTime":1596.08,"endTime":1596.16,"body":"the"},{"speaker":"SPEAKER_00","startTime":1596.16,"endTime":1596.48,"body":"states"},{"speaker":"SPEAKER_00","startTime":1596.48,"endTime":1596.56,"body":"where"},{"speaker":"SPEAKER_00","startTime":1596.56,"endTime":1596.64,"body":"it"},{"speaker":"SPEAKER_00","startTime":1596.64,"endTime":1596.8,"body":"is"},{"speaker":"SPEAKER_00","startTime":1596.8,"endTime":1597.2,"body":"properly"},{"speaker":"SPEAKER_00","startTime":1597.2,"endTime":1597.6,"body":"registered,"},{"speaker":"SPEAKER_00","startTime":1597.68,"endTime":1597.92,"body":"or"},{"speaker":"SPEAKER_00","startTime":1597.92,"endTime":1598.32,"body":"excluded"},{"speaker":"SPEAKER_00","startTime":1598.32,"endTime":1598.48,"body":"or"},{"speaker":"SPEAKER_00","startTime":1598.48,"endTime":1598.88,"body":"exempted"},{"speaker":"SPEAKER_00","startTime":1598.88,"endTime":1599.12,"body":"from"},{"speaker":"SPEAKER_00","startTime":1599.12,"endTime":1599.6,"body":"registration"},{"speaker":"SPEAKER_00","startTime":1599.6,"endTime":1600.16,"body":"requirements."},{"speaker":"SPEAKER_00","startTime":1600.4,"endTime":1600.88,"body":"Registration"},{"speaker":"SPEAKER_00","startTime":1600.88,"endTime":1601.04,"body":"with"},{"speaker":"SPEAKER_00","startTime":1601.04,"endTime":1601.2,"body":"the"},{"speaker":"SPEAKER_00","startTime":1601.2,"endTime":1601.76,"body":"FCC"},{"speaker":"SPEAKER_00","startTime":1601.76,"endTime":1601.84,"body":"or"},{"speaker":"SPEAKER_00","startTime":1601.84,"endTime":1602.0,"body":"any"},{"speaker":"SPEAKER_00","startTime":1602.0,"endTime":1602.24,"body":"State"},{"speaker":"SPEAKER_00","startTime":1602.24,"endTime":1602.56,"body":"Securities"},{"speaker":"SPEAKER_00","startTime":1602.64,"endTime":1602.96,"body":"Authority"},{"speaker":"SPEAKER_00","startTime":1602.96,"endTime":1603.12,"body":"does"},{"speaker":"SPEAKER_00","startTime":1603.12,"endTime":1603.28,"body":"not"},{"speaker":"SPEAKER_00","startTime":1603.28,"endTime":1603.6,"body":"imply"},{"speaker":"SPEAKER_00","startTime":1603.6,"endTime":1603.68,"body":"a"},{"speaker":"SPEAKER_00","startTime":1603.68,"endTime":1603.84,"body":"certain"},{"speaker":"SPEAKER_00","startTime":1603.84,"endTime":1604.0,"body":"level"},{"speaker":"SPEAKER_00","startTime":1604.0,"endTime":1604.08,"body":"of"},{"speaker":"SPEAKER_00","startTime":1604.08,"endTime":1604.32,"body":"skill"},{"speaker":"SPEAKER_00","startTime":1604.32,"endTime":1604.4,"body":"of"},{"speaker":"SPEAKER_00","startTime":1604.48,"endTime":1604.64,"body":"training."},{"speaker":"SPEAKER_00","startTime":1604.8,"endTime":1605.2,"body":"Apello"},{"speaker":"SPEAKER_00","startTime":1605.36,"endTime":1605.52,"body":"does"},{"speaker":"SPEAKER_00","startTime":1605.52,"endTime":1605.6,"body":"not"},{"speaker":"SPEAKER_00","startTime":1605.6,"endTime":1605.84,"body":"provide"},{"speaker":"SPEAKER_00","startTime":1605.84,"endTime":1606.08,"body":"tax"},{"speaker":"SPEAKER_00","startTime":1606.08,"endTime":1606.24,"body":"or"},{"speaker":"SPEAKER_00","startTime":1606.24,"endTime":1606.48,"body":"legal"},{"speaker":"SPEAKER_00","startTime":1606.48,"endTime":1606.64,"body":"advice,"},{"speaker":"SPEAKER_00","startTime":1606.72,"endTime":1606.88,"body":"and"},{"speaker":"SPEAKER_00","startTime":1606.88,"endTime":1607.12,"body":"nothing"},{"speaker":"SPEAKER_00","startTime":1607.12,"endTime":1607.36,"body":"either"},{"speaker":"SPEAKER_00","startTime":1607.36,"endTime":1607.68,"body":"stated"},{"speaker":"SPEAKER_00","startTime":1607.68,"endTime":1607.76,"body":"or"},{"speaker":"SPEAKER_00","startTime":1607.76,"endTime":1608.08,"body":"implied"},{"speaker":"SPEAKER_00","startTime":1608.08,"endTime":1608.32,"body":"here"},{"speaker":"SPEAKER_00","startTime":1608.32,"endTime":1608.48,"body":"should"},{"speaker":"SPEAKER_00","startTime":1608.48,"endTime":1608.56,"body":"be"},{"speaker":"SPEAKER_00","startTime":1608.56,"endTime":1608.96,"body":"inferred"},{"speaker":"SPEAKER_00","startTime":1608.96,"endTime":1609.2,"body":"as"},{"speaker":"SPEAKER_00","startTime":1609.2,"endTime":1609.6,"body":"providing"},{"speaker":"SPEAKER_00","startTime":1609.6,"endTime":1609.84,"body":"such"},{"speaker":"SPEAKER_00","startTime":1609.84,"endTime":1610.4,"body":"advice."},{"speaker":"SPEAKER_00","startTime":1610.72,"endTime":1611.04,"body":"Thanks"},{"speaker":"SPEAKER_00","startTime":1611.04,"endTime":1611.2,"body":"for"},{"speaker":"SPEAKER_00","startTime":1611.2,"endTime":1611.52,"body":"listening,"},{"speaker":"SPEAKER_00","startTime":1611.6,"endTime":1611.76,"body":"and"},{"speaker":"SPEAKER_00","startTime":1611.76,"endTime":1612.0,"body":"please"},{"speaker":"SPEAKER_00","startTime":1612.0,"endTime":1612.24,"body":"visit"},{"speaker":"SPEAKER_00","startTime":1612.24,"endTime":1613.6,"body":"talkingrealmoney.com"},{"speaker":"SPEAKER_00","startTime":1613.6,"endTime":1613.68,"body":"for"},{"speaker":"SPEAKER_00","startTime":1613.68,"endTime":1613.84,"body":"more"},{"speaker":"SPEAKER_00","startTime":1613.84,"endTime":1614.24,"body":"information"},{"speaker":"SPEAKER_00","startTime":1614.24,"endTime":1614.4,"body":"and"},{"speaker":"SPEAKER_00","startTime":1614.4,"endTime":1614.64,"body":"important"},{"speaker":"SPEAKER_00","startTime":1614.64,"endTime":1615.2,"body":"disclosure"},{"speaker":"SPEAKER_00","startTime":1615.2,"endTime":1615.52,"body":"related"},{"speaker":"SPEAKER_00","startTime":1615.52,"endTime":1615.6,"body":"to"},{"speaker":"SPEAKER_00","startTime":1615.68,"endTime":1616.16,"body":"performance"},{"speaker":"SPEAKER_00","startTime":1616.16,"endTime":1616.32,"body":"of"},{"speaker":"SPEAKER_00","startTime":1616.32,"endTime":1616.48,"body":"any"},{"speaker":"SPEAKER_00","startTime":1616.48,"endTime":1616.8,"body":"specific"},{"speaker":"SPEAKER_00","startTime":1616.8,"endTime":1617.2,"body":"index"},{"speaker":"SPEAKER_00","startTime":1617.2,"endTime":1617.28,"body":"or"},{"speaker":"SPEAKER_00","startTime":1617.28,"endTime":1617.52,"body":"fund"},{"speaker":"SPEAKER_00","startTime":1617.52,"endTime":1618.08,"body":"quoted"},{"speaker":"SPEAKER_00","startTime":1618.08,"endTime":1618.16,"body":"in"},{"speaker":"SPEAKER_00","startTime":1618.16,"endTime":1618.32,"body":"this"},{"speaker":"SPEAKER_00","startTime":1618.32,"endTime":1618.8,"body":"podcast."}]}