{"version":"1.0.0","segments":[{"speaker":"Speaker 1","startTime":46.11,"endTime":46.5,"body":"This"},{"speaker":"Speaker 1","startTime":46.56,"endTime":46.769999999999996,"body":"is"},{"speaker":"Speaker 1","startTime":46.771,"endTime":46.89,"body":"the"},{"speaker":"Speaker 1","startTime":46.891,"endTime":47.31,"body":"placing"},{"speaker":"Speaker 1","startTime":47.311,"endTime":47.46,"body":"you"},{"speaker":"Speaker 1","startTime":47.461,"endTime":47.849999999999994,"body":"first"},{"speaker":"Speaker 1","startTime":47.851,"endTime":48.629999999999995,"body":"podcast."},{"speaker":"Speaker 1","startTime":48.81,"endTime":49.019999999999996,"body":"I'm"},{"speaker":"Speaker 1","startTime":49.021,"endTime":49.32,"body":"Dan"},{"speaker":"Speaker 1","startTime":49.68,"endTime":49.68,"body":"Wentz"},{"speaker":"Speaker 1","startTime":49.8,"endTime":49.8,"body":"and"},{"speaker":"Speaker 1","startTime":49.801,"endTime":49.95,"body":"this"},{"speaker":"Speaker 1","startTime":49.951,"endTime":50.55,"body":"podcast"},{"speaker":"Speaker 1","startTime":50.551,"endTime":50.94,"body":"features"},{"speaker":"Speaker 1","startTime":50.941,"endTime":51.3,"body":"news"},{"speaker":"Speaker 1","startTime":51.301,"endTime":51.42,"body":"and"},{"speaker":"Speaker 1","startTime":51.421,"endTime":51.870000000000005,"body":"insights"},{"speaker":"Speaker 1","startTime":51.870999999999995,"endTime":52.05,"body":"from"},{"speaker":"Speaker 1","startTime":52.051,"endTime":52.71,"body":"CRCs"},{"speaker":"Speaker 1","startTime":52.739999999999995,"endTime":53.16,"body":"fast"},{"speaker":"Speaker 1","startTime":53.161,"endTime":53.55,"body":"knowledge"},{"speaker":"Speaker 1","startTime":53.58,"endTime":53.879999999999995,"body":"base"},{"speaker":"Speaker 1","startTime":53.881,"endTime":54.0,"body":"of"},{"speaker":"Speaker 1","startTime":54.001,"endTime":54.75,"body":"2000"},{"speaker":"Speaker 1","startTime":54.751000000000005,"endTime":55.05,"body":"plus"},{"speaker":"Speaker 1","startTime":55.051,"endTime":55.769999999999996,"body":"associates"},{"speaker":"Speaker 1","startTime":55.8,"endTime":55.92,"body":"who"},{"speaker":"Speaker 1","startTime":55.92099999999999,"endTime":56.16,"body":"write"},{"speaker":"Speaker 1","startTime":56.161,"endTime":56.28,"body":"an"},{"speaker":"Speaker 1","startTime":56.281000000000006,"endTime":56.67,"body":"excess"},{"speaker":"Speaker 1","startTime":56.67099999999999,"endTime":56.81999999999999,"body":"of"},{"speaker":"Speaker 1","startTime":56.849999999999994,"endTime":57.959999999999994,"body":"$8"},{"speaker":"Speaker 1","startTime":57.959999999999994,"endTime":57.959999999999994,"body":"billion"},{"speaker":"Speaker 1","startTime":57.961,"endTime":58.08,"body":"in"},{"speaker":"Speaker 1","startTime":58.081,"endTime":58.59,"body":"premium"},{"speaker":"Speaker 1","startTime":58.590999999999994,"endTime":59.16,"body":"annually"},{"speaker":"Speaker 1","startTime":59.28,"endTime":59.67,"body":"and"},{"speaker":"Speaker 1","startTime":59.67099999999999,"endTime":59.790000000000006,"body":"we're"},{"speaker":"Speaker 1","startTime":59.791,"endTime":60.06,"body":"giving"},{"speaker":"Speaker 1","startTime":60.06099999999999,"endTime":60.209999999999994,"body":"you"},{"speaker":"Speaker 1","startTime":60.211,"endTime":60.81,"body":"insider"},{"speaker":"Speaker 1","startTime":60.81099999999999,"endTime":61.31999999999999,"body":"access"},{"speaker":"Speaker 1","startTime":61.321,"endTime":61.44,"body":"to"},{"speaker":"Speaker 1","startTime":61.441,"endTime":61.650000000000006,"body":"what's"},{"speaker":"Speaker 1","startTime":61.650999999999996,"endTime":62.099999999999994,"body":"happening"},{"speaker":"Speaker 1","startTime":62.101,"endTime":62.22,"body":"in"},{"speaker":"Speaker 1","startTime":62.221000000000004,"endTime":62.400000000000006,"body":"our"},{"speaker":"Speaker 1","startTime":62.400999999999996,"endTime":62.91,"body":"company"},{"speaker":"Speaker 1","startTime":63.0,"endTime":63.150000000000006,"body":"and"},{"speaker":"Speaker 1","startTime":63.150999999999996,"endTime":63.209999999999994,"body":"the"},{"speaker":"Speaker 1","startTime":63.211,"endTime":63.540000000000006,"body":"types"},{"speaker":"Speaker 1","startTime":63.541,"endTime":63.599999999999994,"body":"of"},{"speaker":"Speaker 1","startTime":63.601,"endTime":64.05,"body":"insurance"},{"speaker":"Speaker 1","startTime":64.051,"endTime":64.2,"body":"we"},{"speaker":"Speaker 1","startTime":64.201,"endTime":64.67999999999999,"body":"place"},{"speaker":"Speaker 1","startTime":64.89,"endTime":65.13,"body":"on"},{"speaker":"Speaker 1","startTime":65.131,"endTime":65.37,"body":"this"},{"speaker":"Speaker 1","startTime":65.371,"endTime":65.76,"body":"edition"},{"speaker":"Speaker 1","startTime":65.761,"endTime":65.82,"body":"of"},{"speaker":"Speaker 1","startTime":65.821,"endTime":65.91,"body":"the"},{"speaker":"Speaker 1","startTime":65.911,"endTime":66.42,"body":"podcast."},{"speaker":"Speaker 2","startTime":66.6,"endTime":66.87,"body":"Last"},{"speaker":"Speaker 2","startTime":66.871,"endTime":67.05,"body":"time"},{"speaker":"Speaker 2","startTime":67.051,"endTime":67.14,"body":"we"},{"speaker":"Speaker 2","startTime":67.141,"endTime":67.38,"body":"saw"},{"speaker":"Speaker 2","startTime":67.67999999999999,"endTime":67.67999999999999,"body":"this"},{"speaker":"Speaker 2","startTime":67.681,"endTime":67.92,"body":"kind"},{"speaker":"Speaker 2","startTime":67.92099999999999,"endTime":68.07,"body":"of"},{"speaker":"Speaker 2","startTime":68.67,"endTime":68.67,"body":"utilizes"},{"speaker":"Speaker 2","startTime":68.67099999999999,"endTime":68.73,"body":"a"},{"speaker":"Speaker 2","startTime":68.731,"endTime":69.36,"body":"strategy"},{"speaker":"Speaker 2","startTime":69.54,"endTime":69.54,"body":"and"},{"speaker":"Speaker 2","startTime":69.57,"endTime":70.44,"body":"mass"},{"speaker":"Speaker 2","startTime":70.62,"endTime":70.8,"body":"was"},{"speaker":"Speaker 2","startTime":70.801,"endTime":71.07,"body":"about"},{"speaker":"Speaker 2","startTime":71.071,"endTime":71.31,"body":"20"},{"speaker":"Speaker 2","startTime":71.31099999999999,"endTime":71.52,"body":"years"},{"speaker":"Speaker 2","startTime":71.521,"endTime":71.73,"body":"ago"},{"speaker":"Speaker 2","startTime":71.76,"endTime":71.94,"body":"when"},{"speaker":"Speaker 2","startTime":71.941,"endTime":72.0,"body":"the"},{"speaker":"Speaker 2","startTime":72.001,"endTime":72.45,"body":"telecom"},{"speaker":"Speaker 2","startTime":72.451,"endTime":72.69,"body":"bubble"},{"speaker":"Speaker 2","startTime":72.691,"endTime":73.08,"body":"burst"},{"speaker":"Speaker 2","startTime":73.11,"endTime":73.38,"body":"back"},{"speaker":"Speaker 2","startTime":73.381,"endTime":73.5,"body":"in"},{"speaker":"Speaker 2","startTime":73.501,"endTime":74.31,"body":"2000"},{"speaker":"Speaker 2","startTime":74.46,"endTime":74.67,"body":"and"},{"speaker":"Speaker 2","startTime":74.85,"endTime":74.85,"body":"that"},{"speaker":"Speaker 2","startTime":74.91,"endTime":75.26,"body":"the"},{"speaker":"Speaker 2","startTime":75.27,"endTime":75.78,"body":"ensuing"},{"speaker":"Speaker 2","startTime":75.781,"endTime":76.38,"body":"renewables"},{"speaker":"Speaker 2","startTime":76.381,"endTime":76.5,"body":"for"},{"speaker":"Speaker 2","startTime":76.501,"endTime":76.59,"body":"the"},{"speaker":"Speaker 2","startTime":76.591,"endTime":76.98,"body":"DNO"},{"speaker":"Speaker 2","startTime":76.981,"endTime":77.7,"body":"carriers,"},{"speaker":"Speaker 2","startTime":77.91,"endTime":78.17999999999999,"body":"there"},{"speaker":"Speaker 2","startTime":78.181,"endTime":78.69,"body":"was"},{"speaker":"Speaker 2","startTime":78.72,"endTime":79.08,"body":"coverage"},{"speaker":"Speaker 2","startTime":79.081,"endTime":79.23,"body":"that"},{"speaker":"Speaker 2","startTime":79.231,"endTime":79.67999999999999,"body":"was"},{"speaker":"Speaker 2","startTime":79.89,"endTime":80.85,"body":"unavailable"},{"speaker":"Speaker 2","startTime":81.03,"endTime":81.66,"body":"or"},{"speaker":"Speaker 2","startTime":81.72,"endTime":81.9,"body":"they"},{"speaker":"Speaker 2","startTime":81.901,"endTime":82.08,"body":"were"},{"speaker":"Speaker 2","startTime":82.11,"endTime":82.62,"body":"greatly"},{"speaker":"Speaker 2","startTime":82.621,"endTime":83.28,"body":"restricted,"},{"speaker":"Speaker 2","startTime":83.281,"endTime":83.76,"body":"super"},{"speaker":"Speaker 2","startTime":83.761,"endTime":84.39,"body":"expensive."},{"speaker":"Speaker 2","startTime":84.391,"endTime":84.48,"body":"You"},{"speaker":"Speaker 2","startTime":84.481,"endTime":84.57,"body":"know,"},{"speaker":"Speaker 2","startTime":84.571,"endTime":84.78,"body":"kind"},{"speaker":"Speaker 2","startTime":84.781,"endTime":84.84,"body":"of"},{"speaker":"Speaker 2","startTime":84.841,"endTime":84.87,"body":"a"},{"speaker":"Speaker 2","startTime":84.871,"endTime":85.08,"body":"little"},{"speaker":"Speaker 2","startTime":85.081,"endTime":85.2,"body":"bit"},{"speaker":"Speaker 2","startTime":85.201,"endTime":85.29,"body":"of"},{"speaker":"Speaker 2","startTime":85.291,"endTime":85.41,"body":"what"},{"speaker":"Speaker 2","startTime":85.411,"endTime":85.53,"body":"we're"},{"speaker":"Speaker 2","startTime":85.531,"endTime":86.07,"body":"seeing"},{"speaker":"Speaker 2","startTime":86.25,"endTime":86.82000000000001,"body":"today"},{"speaker":"Speaker 2","startTime":86.821,"endTime":87.0,"body":"and"},{"speaker":"Speaker 2","startTime":87.001,"endTime":87.24000000000001,"body":"why"},{"speaker":"Speaker 2","startTime":87.241,"endTime":87.45,"body":"this"},{"speaker":"Speaker 2","startTime":87.45100000000001,"endTime":87.57000000000001,"body":"has"},{"speaker":"Speaker 2","startTime":87.571,"endTime":87.72,"body":"come"},{"speaker":"Speaker 2","startTime":87.721,"endTime":87.91,"body":"up"},{"speaker":"Speaker 2","startTime":88.26,"endTime":88.26,"body":"yet"},{"speaker":"Speaker 2","startTime":88.26,"endTime":88.26,"body":"."},{"speaker":"Speaker 2","startTime":88.53,"endTime":88.92,"body":"Again,"},{"speaker":"Speaker 2","startTime":88.921,"endTime":89.07000000000001,"body":"the"},{"speaker":"Speaker 2","startTime":89.071,"endTime":89.52,"body":"idea"},{"speaker":"Speaker 2","startTime":89.521,"endTime":89.61,"body":"and"},{"speaker":"Speaker 2","startTime":89.611,"endTime":89.7,"body":"the"},{"speaker":"Speaker 2","startTime":89.70100000000001,"endTime":90.21000000000001,"body":"strategy"},{"speaker":"Speaker 2","startTime":90.211,"endTime":90.36,"body":"is"},{"speaker":"Speaker 2","startTime":90.361,"endTime":90.45,"body":"to"},{"speaker":"Speaker 2","startTime":90.45100000000001,"endTime":90.93,"body":"preserve"},{"speaker":"Speaker 2","startTime":90.931,"endTime":91.02,"body":"the"},{"speaker":"Speaker 2","startTime":91.021,"endTime":91.29,"body":"good"},{"speaker":"Speaker 2","startTime":91.291,"endTime":91.62,"body":"coverage"},{"speaker":"Speaker 2","startTime":91.62100000000001,"endTime":91.74000000000001,"body":"that"},{"speaker":"Speaker 2","startTime":91.741,"endTime":91.86,"body":"you"},{"speaker":"Speaker 2","startTime":91.861,"endTime":92.10000000000001,"body":"had"},{"speaker":"Speaker 2","startTime":92.101,"endTime":92.19,"body":"in"},{"speaker":"Speaker 2","startTime":92.191,"endTime":92.25,"body":"the"},{"speaker":"Speaker 2","startTime":92.251,"endTime":92.76,"body":"past"},{"speaker":"Speaker 2","startTime":92.82000000000001,"endTime":93.33,"body":"via"},{"speaker":"Speaker 2","startTime":93.39,"endTime":93.51,"body":"a"},{"speaker":"Speaker 2","startTime":93.51100000000001,"endTime":93.87,"body":"more"},{"speaker":"Speaker 2","startTime":93.87100000000001,"endTime":94.41,"body":"restricted"},{"speaker":"Speaker 2","startTime":94.411,"endTime":94.89,"body":"policy"},{"speaker":"Speaker 2","startTime":94.891,"endTime":95.22,"body":"going"},{"speaker":"Speaker 2","startTime":95.221,"endTime":95.79,"body":"forward"},{"speaker":"Speaker 2","startTime":95.85000000000001,"endTime":96.0,"body":"and"},{"speaker":"Speaker 2","startTime":96.001,"endTime":96.12,"body":"it's"},{"speaker":"Speaker 2","startTime":96.12100000000001,"endTime":96.24000000000001,"body":"an"},{"speaker":"Speaker 2","startTime":96.27,"endTime":96.72,"body":"option."},{"speaker":"Speaker 2","startTime":96.78,"endTime":96.87,"body":"I"},{"speaker":"Speaker 2","startTime":96.87100000000001,"endTime":97.08,"body":"wouldn't"},{"speaker":"Speaker 2","startTime":97.081,"endTime":97.2,"body":"say"},{"speaker":"Speaker 2","startTime":97.20100000000001,"endTime":97.35000000000001,"body":"it's"},{"speaker":"Speaker 2","startTime":97.38000000000001,"endTime":97.86,"body":"great"},{"speaker":"Speaker 2","startTime":97.861,"endTime":98.16,"body":"because"},{"speaker":"Speaker 2","startTime":98.161,"endTime":98.31,"body":"there's"},{"speaker":"Speaker 2","startTime":98.311,"endTime":98.37,"body":"a"},{"speaker":"Speaker 2","startTime":98.37100000000001,"endTime":98.64,"body":"couple"},{"speaker":"Speaker 2","startTime":98.641,"endTime":98.7,"body":"of"},{"speaker":"Speaker 2","startTime":98.70100000000001,"endTime":99.12,"body":"problems."},{"speaker":"Speaker 2","startTime":99.51,"endTime":99.99000000000001,"body":"This"},{"speaker":"Speaker 2","startTime":100.08,"endTime":100.29,"body":"is"},{"speaker":"Speaker 2","startTime":100.5,"endTime":100.5,"body":"the"},{"speaker":"Speaker 2","startTime":100.53,"endTime":101.07000000000001,"body":"placing"},{"speaker":"Speaker 2","startTime":101.071,"endTime":101.25,"body":"you"},{"speaker":"Speaker 2","startTime":101.251,"endTime":101.61,"body":"first"},{"speaker":"Speaker 1","startTime":102.0,"endTime":102.0,"body":"bug"},{"speaker":"Speaker 1","startTime":102.49000000000001,"endTime":102.49000000000001,"body":"cast"},{"speaker":"Speaker 1","startTime":102.49000000000001,"endTime":102.49000000000001,"body":"."},{"speaker":"Speaker 1","startTime":103.72,"endTime":103.78,"body":"The"},{"speaker":"Speaker 1","startTime":104.14,"endTime":104.14,"body":"Kogan"},{"speaker":"Speaker 1","startTime":104.141,"endTime":104.62,"body":"19"},{"speaker":"Speaker 1","startTime":104.62100000000001,"endTime":105.16,"body":"pandemic"},{"speaker":"Speaker 1","startTime":105.161,"endTime":105.31,"body":"has"},{"speaker":"Speaker 1","startTime":105.311,"endTime":105.64,"body":"really"},{"speaker":"Speaker 1","startTime":105.641,"endTime":106.21000000000001,"body":"challenged"},{"speaker":"Speaker 1","startTime":106.211,"endTime":106.36,"body":"our"},{"speaker":"Speaker 1","startTime":106.361,"endTime":106.87,"body":"agents"},{"speaker":"Speaker 1","startTime":106.87100000000001,"endTime":106.99000000000001,"body":"to"},{"speaker":"Speaker 1","startTime":106.991,"endTime":107.29,"body":"find"},{"speaker":"Speaker 1","startTime":107.291,"endTime":107.44,"body":"some"},{"speaker":"Speaker 1","startTime":107.441,"endTime":107.71000000000001,"body":"great"},{"speaker":"Speaker 1","startTime":107.711,"endTime":108.22,"body":"solutions"},{"speaker":"Speaker 1","startTime":108.221,"endTime":108.31,"body":"for"},{"speaker":"Speaker 1","startTime":108.311,"endTime":108.49000000000001,"body":"their"},{"speaker":"Speaker 1","startTime":108.491,"endTime":109.15,"body":"insureds"},{"speaker":"Speaker 1","startTime":109.27,"endTime":109.51,"body":"during"},{"speaker":"Speaker 1","startTime":109.51100000000001,"endTime":109.60000000000001,"body":"a"},{"speaker":"Speaker 1","startTime":109.601,"endTime":110.44,"body":"particularly"},{"speaker":"Speaker 1","startTime":110.441,"endTime":110.71000000000001,"body":"tough"},{"speaker":"Speaker 1","startTime":110.711,"endTime":111.07000000000001,"body":"time"},{"speaker":"Speaker 1","startTime":111.071,"endTime":111.28,"body":"for"},{"speaker":"Speaker 1","startTime":111.281,"endTime":111.97,"body":"insurance."},{"speaker":"Speaker 1","startTime":112.03,"endTime":112.21000000000001,"body":"One"},{"speaker":"Speaker 1","startTime":112.211,"endTime":112.33,"body":"of"},{"speaker":"Speaker 1","startTime":112.331,"endTime":112.39,"body":"the"},{"speaker":"Speaker 1","startTime":112.391,"endTime":112.99000000000001,"body":"solutions"},{"speaker":"Speaker 1","startTime":112.991,"endTime":113.08,"body":"that"},{"speaker":"Speaker 1","startTime":113.081,"endTime":113.17,"body":"they're"},{"speaker":"Speaker 1","startTime":113.171,"endTime":113.5,"body":"looking"},{"speaker":"Speaker 1","startTime":113.501,"endTime":113.68,"body":"at"},{"speaker":"Speaker 1","startTime":113.681,"endTime":113.92,"body":"right"},{"speaker":"Speaker 1","startTime":113.921,"endTime":114.22,"body":"now"},{"speaker":"Speaker 1","startTime":114.25,"endTime":114.4,"body":"or"},{"speaker":"Speaker 1","startTime":114.401,"endTime":114.85000000000001,"body":"maybe"},{"speaker":"Speaker 1","startTime":114.851,"endTime":115.60000000000001,"body":"considering"},{"speaker":"Speaker 1","startTime":115.601,"endTime":115.9,"body":"is"},{"speaker":"Speaker 1","startTime":115.901,"endTime":116.02,"body":"an"},{"speaker":"Speaker 1","startTime":116.021,"endTime":116.71000000000001,"body":"extended"},{"speaker":"Speaker 1","startTime":116.711,"endTime":117.25,"body":"reporting"},{"speaker":"Speaker 1","startTime":117.251,"endTime":117.67,"body":"period."},{"speaker":"Speaker 1","startTime":117.671,"endTime":117.82000000000001,"body":"So"},{"speaker":"Speaker 1","startTime":117.821,"endTime":117.94,"body":"we"},{"speaker":"Speaker 1","startTime":117.941,"endTime":118.39,"body":"definitely"},{"speaker":"Speaker 1","startTime":118.391,"endTime":118.72,"body":"wanted"},{"speaker":"Speaker 1","startTime":118.721,"endTime":119.02,"body":"to"},{"speaker":"Speaker 1","startTime":119.05,"endTime":119.29,"body":"get"},{"speaker":"Speaker 1","startTime":119.291,"endTime":119.44,"body":"into"},{"speaker":"Speaker 1","startTime":119.441,"endTime":119.68,"body":"that"},{"speaker":"Speaker 1","startTime":119.681,"endTime":120.19,"body":"subject"},{"speaker":"Speaker 1","startTime":120.191,"endTime":120.58,"body":"today."},{"speaker":"Speaker 1","startTime":120.61,"endTime":120.85000000000001,"body":"We've"},{"speaker":"Speaker 1","startTime":120.851,"endTime":121.06,"body":"got"},{"speaker":"Speaker 3","startTime":121.12,"endTime":121.39,"body":"two"},{"speaker":"Speaker 3","startTime":121.391,"endTime":121.51,"body":"of"},{"speaker":"Speaker 3","startTime":121.51100000000001,"endTime":121.63000000000001,"body":"our"},{"speaker":"Speaker 3","startTime":121.631,"endTime":122.26,"body":"specialists"},{"speaker":"Speaker 3","startTime":122.26100000000001,"endTime":122.74000000000001,"body":"on"},{"speaker":"Speaker 3","startTime":122.8,"endTime":122.92,"body":"the"},{"speaker":"Speaker 3","startTime":122.921,"endTime":123.31,"body":"conference"},{"speaker":"Speaker 3","startTime":123.311,"endTime":123.55,"body":"call"},{"speaker":"Speaker 3","startTime":123.551,"endTime":123.73,"body":"here"},{"speaker":"Speaker 3","startTime":123.73100000000001,"endTime":123.88000000000001,"body":"with"},{"speaker":"Speaker 3","startTime":123.881,"endTime":124.09,"body":"us,"},{"speaker":"Speaker 3","startTime":124.09100000000001,"endTime":124.33,"body":"Mike"},{"speaker":"Speaker 3","startTime":124.87,"endTime":124.87,"body":"Robeson"},{"speaker":"Speaker 3","startTime":124.87,"endTime":124.87,"body":"."},{"speaker":"Speaker 3","startTime":124.87100000000001,"endTime":125.05,"body":"He's"},{"speaker":"Speaker 3","startTime":125.051,"endTime":125.11,"body":"a"},{"speaker":"Speaker 3","startTime":125.111,"endTime":125.41,"body":"senior"},{"speaker":"Speaker 3","startTime":125.411,"endTime":125.77,"body":"broker"},{"speaker":"Speaker 3","startTime":125.771,"endTime":125.89,"body":"in"},{"speaker":"Speaker 3","startTime":125.891,"endTime":125.95,"body":"the"},{"speaker":"Speaker 3","startTime":125.95100000000001,"endTime":126.4,"body":"CRC,"},{"speaker":"Speaker 3","startTime":126.401,"endTime":126.88000000000001,"body":"Dallas"},{"speaker":"Speaker 3","startTime":126.881,"endTime":127.42,"body":"office"},{"speaker":"Speaker 3","startTime":127.421,"endTime":127.66,"body":"and"},{"speaker":"Speaker 3","startTime":128.23,"endTime":128.23,"body":"exec"},{"speaker":"Speaker 3","startTime":128.47,"endTime":128.47,"body":"pro"},{"speaker":"Speaker 3","startTime":128.48,"endTime":128.85999999999999,"body":"national"},{"speaker":"Speaker 3","startTime":128.861,"endTime":129.28,"body":"practice"},{"speaker":"Speaker 3","startTime":129.281,"endTime":129.67,"body":"leader"},{"speaker":"Speaker 3","startTime":129.7,"endTime":130.12,"body":"and"},{"speaker":"Speaker 3","startTime":130.13,"endTime":130.37,"body":"a"},{"speaker":"Speaker 3","startTime":130.57,"endTime":130.99,"body":"pro"},{"speaker":"Speaker 3","startTime":130.99099999999999,"endTime":131.14,"body":"at"},{"speaker":"Speaker 3","startTime":131.141,"endTime":131.35,"body":"these"},{"speaker":"Speaker 3","startTime":131.351,"endTime":132.25,"body":"webcasts."},{"speaker":"Speaker 3","startTime":132.31,"endTime":132.4,"body":"I"},{"speaker":"Speaker 3","startTime":132.40099999999998,"endTime":132.57999999999998,"body":"mean"},{"speaker":"Speaker 3","startTime":132.581,"endTime":132.76,"body":"this"},{"speaker":"Speaker 3","startTime":132.761,"endTime":132.88,"body":"is"},{"speaker":"Speaker 3","startTime":134.10999999999999,"endTime":134.23,"body":"the"},{"speaker":"Speaker 3","startTime":134.231,"endTime":134.76999999999998,"body":"30th"},{"speaker":"Speaker 3","startTime":134.771,"endTime":134.98,"body":"one"},{"speaker":"Speaker 3","startTime":134.981,"endTime":135.13,"body":"you've"},{"speaker":"Speaker 3","startTime":135.131,"endTime":135.31,"body":"been"},{"speaker":"Speaker 3","startTime":135.311,"endTime":135.49,"body":"on,"},{"speaker":"Speaker 3","startTime":135.49099999999999,"endTime":135.73,"body":"man."},{"speaker":"Speaker 3","startTime":135.731,"endTime":136.0,"body":"Thanks"},{"speaker":"Speaker 3","startTime":136.001,"endTime":136.09,"body":"for"},{"speaker":"Speaker 3","startTime":136.091,"endTime":136.45,"body":"joining"},{"speaker":"Speaker 3","startTime":136.451,"endTime":136.6,"body":"us"},{"speaker":"Speaker 3","startTime":136.72,"endTime":137.01999999999998,"body":"yet"},{"speaker":"Speaker 3","startTime":137.021,"endTime":137.35,"body":"again."},{"speaker":"Speaker 3","startTime":137.35999999999999,"endTime":137.85999999999999,"body":"Appreciate"},{"speaker":"Speaker 3","startTime":137.861,"endTime":138.01,"body":"that."},{"speaker":"Speaker 3","startTime":138.011,"endTime":138.1,"body":"And"},{"speaker":"Speaker 3","startTime":138.101,"endTime":138.4,"body":"also"},{"speaker":"Speaker 3","startTime":138.40099999999998,"endTime":138.73,"body":"Linda"},{"speaker":"Speaker 3","startTime":139.35999999999999,"endTime":139.35999999999999,"body":"Caruthers"},{"speaker":"Speaker 3","startTime":139.361,"endTime":139.51,"body":"who"},{"speaker":"Speaker 3","startTime":139.66,"endTime":139.66,"body":"is"},{"speaker":"Speaker 3","startTime":139.661,"endTime":139.75,"body":"a"},{"speaker":"Speaker 3","startTime":139.751,"endTime":139.96,"body":"new"},{"speaker":"Speaker 3","startTime":139.96099999999998,"endTime":140.38,"body":"face"},{"speaker":"Speaker 3","startTime":140.381,"endTime":140.56,"body":"on"},{"speaker":"Speaker 3","startTime":140.561,"endTime":140.65,"body":"the"},{"speaker":"Speaker 3","startTime":140.65099999999998,"endTime":141.16,"body":"podcast,"},{"speaker":"Speaker 3","startTime":141.32,"endTime":141.53,"body":"she"},{"speaker":"Speaker 3","startTime":141.531,"endTime":141.68,"body":"is"},{"speaker":"Speaker 3","startTime":141.68099999999998,"endTime":141.85999999999999,"body":"the"},{"speaker":"Speaker 3","startTime":141.861,"endTime":142.16,"body":"vice"},{"speaker":"Speaker 3","startTime":142.161,"endTime":142.51999999999998,"body":"president"},{"speaker":"Speaker 3","startTime":142.521,"endTime":142.88,"body":"director"},{"speaker":"Speaker 3","startTime":143.0,"endTime":143.0,"body":"in"},{"speaker":"Speaker 3","startTime":143.001,"endTime":143.69,"body":"CRCs"},{"speaker":"Speaker 3","startTime":143.691,"endTime":144.41,"body":"Minneapolis"},{"speaker":"Speaker 3","startTime":144.411,"endTime":144.89,"body":"office"},{"speaker":"Speaker 3","startTime":144.95,"endTime":145.28,"body":"and"},{"speaker":"Speaker 3","startTime":145.281,"endTime":145.4,"body":"an"},{"speaker":"Speaker 3","startTime":145.40099999999998,"endTime":145.82,"body":"active"},{"speaker":"Speaker 3","startTime":145.821,"endTime":146.24,"body":"member"},{"speaker":"Speaker 3","startTime":146.24099999999999,"endTime":146.42,"body":"of"},{"speaker":"Speaker 3","startTime":146.421,"endTime":146.63,"body":"the"},{"speaker":"Speaker 3","startTime":147.19,"endTime":147.19,"body":"exec"},{"speaker":"Speaker 3","startTime":147.191,"endTime":147.4,"body":"pro"},{"speaker":"Speaker 3","startTime":147.40099999999998,"endTime":147.82,"body":"practice"},{"speaker":"Speaker 3","startTime":147.821,"endTime":148.09,"body":"group."},{"speaker":"Speaker 3","startTime":148.21,"endTime":148.21,"body":"We"},{"speaker":"Speaker 3","startTime":148.32999999999998,"endTime":148.32999999999998,"body":"are"},{"speaker":"Speaker 3","startTime":148.331,"endTime":148.84,"body":"excited"},{"speaker":"Speaker 3","startTime":148.841,"endTime":148.9,"body":"to"},{"speaker":"Speaker 3","startTime":148.90099999999998,"endTime":149.07999999999998,"body":"have"},{"speaker":"Speaker 3","startTime":149.081,"endTime":149.17,"body":"you"},{"speaker":"Speaker 3","startTime":149.171,"endTime":149.41,"body":"both"},{"speaker":"Speaker 3","startTime":149.411,"endTime":149.65,"body":"here"},{"speaker":"Speaker 3","startTime":149.65099999999998,"endTime":150.16,"body":"today."},{"speaker":"Speaker 3","startTime":150.22,"endTime":150.45999999999998,"body":"So"},{"speaker":"Speaker 3","startTime":150.46099999999998,"endTime":150.79,"body":"welcome"},{"speaker":"Speaker 3","startTime":150.791,"endTime":150.88,"body":"to"},{"speaker":"Speaker 3","startTime":150.881,"endTime":150.97,"body":"the"},{"speaker":"Speaker 3","startTime":150.97099999999998,"endTime":151.54,"body":"podcast"},{"speaker":"Speaker 3","startTime":151.541,"endTime":151.78,"body":"guys."},{"speaker":"Speaker 3","startTime":151.78099999999998,"endTime":151.86999999999998,"body":"How"},{"speaker":"Speaker 3","startTime":151.87099999999998,"endTime":151.92999999999998,"body":"are"},{"speaker":"Speaker 3","startTime":151.93099999999998,"endTime":152.04999999999998,"body":"you"},{"speaker":"Speaker 3","startTime":152.051,"endTime":152.29,"body":"doing?"},{"speaker":"Speaker 3","startTime":152.29999999999998,"endTime":152.41,"body":"You"},{"speaker":"Speaker 3","startTime":152.411,"endTime":152.95,"body":"surviving,"},{"speaker":"Speaker 3","startTime":154.14999999999998,"endTime":154.42,"body":"living"},{"speaker":"Speaker 3","startTime":154.421,"endTime":154.48,"body":"the"},{"speaker":"Speaker 3","startTime":154.481,"endTime":154.78,"body":"dream,"},{"speaker":"Speaker 3","startTime":156.42999999999998,"endTime":156.67,"body":"living"},{"speaker":"Speaker 3","startTime":156.671,"endTime":156.76,"body":"the"},{"speaker":"Speaker 3","startTime":156.761,"endTime":157.11999999999998,"body":"dream,"},{"speaker":"Speaker 3","startTime":157.12099999999998,"endTime":158.17,"body":"25%"},{"speaker":"Speaker 3","startTime":158.171,"endTime":158.44,"body":"open,"},{"speaker":"Speaker 3","startTime":158.441,"endTime":158.82,"body":"right?"},{"speaker":"Speaker 3","startTime":158.85999999999999,"endTime":159.1,"body":"Aren't"},{"speaker":"Speaker 3","startTime":159.101,"endTime":159.33999999999997,"body":"most"},{"speaker":"Speaker 3","startTime":159.34099999999998,"endTime":159.7,"body":"States"},{"speaker":"Speaker 3","startTime":159.701,"endTime":160.17999999999998,"body":"sort"},{"speaker":"Speaker 3","startTime":160.18099999999998,"endTime":160.35999999999999,"body":"of"},{"speaker":"Speaker 3","startTime":160.361,"endTime":161.01999999999998,"body":"opening"},{"speaker":"Speaker 3","startTime":161.021,"endTime":161.23,"body":"right"},{"speaker":"Speaker 3","startTime":161.231,"endTime":161.44,"body":"now?"},{"speaker":"Speaker 3","startTime":161.47,"endTime":161.70999999999998,"body":"Not"},{"speaker":"Speaker 3","startTime":161.71099999999998,"endTime":162.01,"body":"really."},{"speaker":"Speaker 3","startTime":162.07,"endTime":162.36999999999998,"body":"So"},{"speaker":"Speaker 3","startTime":164.14,"endTime":164.14,"body":"it's"},{"speaker":"Speaker 3","startTime":165.25,"endTime":165.85,"body":"still"},{"speaker":"Speaker 3","startTime":165.851,"endTime":166.26999999999998,"body":"dealing"},{"speaker":"Speaker 3","startTime":166.271,"endTime":166.42,"body":"with"},{"speaker":"Speaker 3","startTime":166.92,"endTime":166.92,"body":"Covidien"},{"speaker":"Speaker 3","startTime":166.921,"endTime":167.56,"body":"19"},{"speaker":"Speaker 3","startTime":167.56099999999998,"endTime":167.85999999999999,"body":"so"},{"speaker":"Speaker 3","startTime":168.03,"endTime":168.20999999999998,"body":"let's"},{"speaker":"Speaker 3","startTime":168.21099999999998,"endTime":168.35999999999999,"body":"get"},{"speaker":"Speaker 3","startTime":168.361,"endTime":168.54,"body":"into"},{"speaker":"Speaker 3","startTime":168.541,"endTime":168.75,"body":"this"},{"speaker":"Speaker 3","startTime":168.75099999999998,"endTime":169.26,"body":"extended"},{"speaker":"Speaker 3","startTime":169.261,"endTime":169.70999999999998,"body":"reporting"},{"speaker":"Speaker 3","startTime":169.71099999999998,"endTime":170.36999999999998,"body":"periods."},{"speaker":"Speaker 3","startTime":170.73,"endTime":171.11999999999998,"body":"Why"},{"speaker":"Speaker 3","startTime":171.12099999999998,"endTime":171.39,"body":"would"},{"speaker":"Speaker 3","startTime":171.391,"endTime":171.95999999999998,"body":"agents"},{"speaker":"Speaker 3","startTime":171.96099999999998,"endTime":172.04999999999998,"body":"and"},{"speaker":"Speaker 3","startTime":172.051,"endTime":172.53,"body":"insureds"},{"speaker":"Speaker 3","startTime":172.53099999999998,"endTime":172.67999999999998,"body":"be"},{"speaker":"Speaker 3","startTime":172.68099999999998,"endTime":173.16,"body":"considering"},{"speaker":"Speaker 3","startTime":173.161,"endTime":173.39999999999998,"body":"them"},{"speaker":"Speaker 3","startTime":173.40099999999998,"endTime":173.7,"body":"right"},{"speaker":"Speaker 3","startTime":173.701,"endTime":174.17999999999998,"body":"now?"},{"speaker":"Speaker 3","startTime":174.23999999999998,"endTime":174.54,"body":"What"},{"speaker":"Speaker 3","startTime":174.541,"endTime":174.6,"body":"are"},{"speaker":"Speaker 3","startTime":174.601,"endTime":174.78,"body":"they"},{"speaker":"Speaker 3","startTime":174.78099999999998,"endTime":175.07999999999998,"body":"used"},{"speaker":"Speaker 3","startTime":175.081,"endTime":175.64999999999998,"body":"for?"},{"speaker":"Speaker 3","startTime":175.82999999999998,"endTime":176.16,"body":"What"},{"speaker":"Speaker 3","startTime":176.161,"endTime":177.17999999999998,"body":"situations"},{"speaker":"Speaker 3","startTime":177.20999999999998,"endTime":177.45,"body":"kind"},{"speaker":"Speaker 3","startTime":177.451,"endTime":177.54,"body":"of"},{"speaker":"Speaker 3","startTime":177.541,"endTime":177.69,"body":"give"},{"speaker":"Speaker 3","startTime":177.691,"endTime":177.81,"body":"us"},{"speaker":"Speaker 3","startTime":177.81099999999998,"endTime":177.89999999999998,"body":"the"},{"speaker":"Speaker 3","startTime":177.90099999999998,"endTime":178.5,"body":"background"},{"speaker":"Speaker 3","startTime":178.50099999999998,"endTime":178.64999999999998,"body":"on"},{"speaker":"Speaker 3","startTime":178.65099999999998,"endTime":178.89,"body":"that."},{"speaker":"Speaker 4","startTime":179.23,"endTime":179.23,"body":"Um,"},{"speaker":"Speaker 4","startTime":179.231,"endTime":179.61999999999998,"body":"extended"},{"speaker":"Speaker 4","startTime":179.62099999999998,"endTime":180.1,"body":"reporting"},{"speaker":"Speaker 4","startTime":180.101,"endTime":180.51999999999998,"body":"periods"},{"speaker":"Speaker 4","startTime":180.521,"endTime":180.64,"body":"are"},{"speaker":"Speaker 4","startTime":180.641,"endTime":181.08999999999997,"body":"used"},{"speaker":"Speaker 4","startTime":181.09099999999998,"endTime":181.63,"body":"when"},{"speaker":"Speaker 4","startTime":181.92999999999998,"endTime":181.92999999999998,"body":"are"},{"speaker":"Speaker 4","startTime":181.93099999999998,"endTime":182.44,"body":"are"},{"speaker":"Speaker 4","startTime":182.67,"endTime":182.67,"body":"there"},{"speaker":"Speaker 4","startTime":182.67,"endTime":182.67,"body":","},{"speaker":"Speaker 4","startTime":182.671,"endTime":182.95999999999998,"body":"they're"},{"speaker":"Speaker 4","startTime":183.01,"endTime":183.1,"body":"on"},{"speaker":"Speaker 4","startTime":183.101,"endTime":183.16,"body":"a"},{"speaker":"Speaker 4","startTime":183.161,"endTime":183.60999999999999,"body":"professional"},{"speaker":"Speaker 4","startTime":183.611,"endTime":184.06,"body":"liability"},{"speaker":"Speaker 4","startTime":184.06099999999998,"endTime":184.48,"body":"policy"},{"speaker":"Speaker 4","startTime":184.481,"endTime":184.57,"body":"and"},{"speaker":"Speaker 4","startTime":184.571,"endTime":184.69,"body":"you"},{"speaker":"Speaker 4","startTime":184.691,"endTime":184.83999999999997,"body":"would"},{"speaker":"Speaker 4","startTime":184.84099999999998,"endTime":185.17,"body":"elect"},{"speaker":"Speaker 4","startTime":185.171,"endTime":185.26,"body":"to"},{"speaker":"Speaker 4","startTime":185.261,"endTime":185.53,"body":"use"},{"speaker":"Speaker 4","startTime":185.53099999999998,"endTime":185.70999999999998,"body":"them."},{"speaker":"Speaker 4","startTime":186.06,"endTime":186.42,"body":"Your"},{"speaker":"Speaker 4","startTime":186.45,"endTime":186.89999999999998,"body":"renewal"},{"speaker":"Speaker 4","startTime":186.90099999999998,"endTime":187.53,"body":"coverage"},{"speaker":"Speaker 4","startTime":187.58999999999997,"endTime":187.98,"body":"is"},{"speaker":"Speaker 4","startTime":187.981,"endTime":188.25,"body":"being"},{"speaker":"Speaker 4","startTime":188.25099999999998,"endTime":188.64,"body":"offered"},{"speaker":"Speaker 4","startTime":188.641,"endTime":188.94,"body":"at"},{"speaker":"Speaker 4","startTime":189.03,"endTime":189.45,"body":"less"},{"speaker":"Speaker 4","startTime":189.451,"endTime":189.75,"body":"than"},{"speaker":"Speaker 4","startTime":190.2,"endTime":190.2,"body":"expire"},{"speaker":"Speaker 4","startTime":190.32,"endTime":190.32,"body":"in"},{"speaker":"Speaker 4","startTime":190.321,"endTime":190.70999999999998,"body":"terms"},{"speaker":"Speaker 4","startTime":190.86999999999998,"endTime":191.23,"body":"or"},{"speaker":"Speaker 4","startTime":191.231,"endTime":191.47,"body":"maybe"},{"speaker":"Speaker 4","startTime":191.47099999999998,"endTime":191.56,"body":"you're"},{"speaker":"Speaker 4","startTime":191.56099999999998,"endTime":191.76999999999998,"body":"being"},{"speaker":"Speaker 4","startTime":191.771,"endTime":192.39999999999998,"body":"non-renewed"},{"speaker":"Speaker 4","startTime":192.54999999999998,"endTime":192.79,"body":"it's"},{"speaker":"Speaker 4","startTime":192.791,"endTime":192.91,"body":"the"},{"speaker":"Speaker 4","startTime":192.911,"endTime":193.57,"body":"availability"},{"speaker":"Speaker 4","startTime":193.571,"endTime":193.72,"body":"to"},{"speaker":"Speaker 4","startTime":193.72099999999998,"endTime":194.07999999999998,"body":"report"},{"speaker":"Speaker 4","startTime":194.081,"endTime":194.14,"body":"a"},{"speaker":"Speaker 4","startTime":194.141,"endTime":194.64999999999998,"body":"claim"},{"speaker":"Speaker 4","startTime":194.82999999999998,"endTime":195.16,"body":"after"},{"speaker":"Speaker 4","startTime":195.161,"endTime":195.28,"body":"the"},{"speaker":"Speaker 4","startTime":195.28099999999998,"endTime":195.73,"body":"policy"},{"speaker":"Speaker 4","startTime":195.731,"endTime":196.35999999999999,"body":"expires."},{"speaker":"Speaker 4","startTime":196.42,"endTime":196.57,"body":"But"},{"speaker":"Speaker 4","startTime":196.571,"endTime":196.66,"body":"it"},{"speaker":"Speaker 4","startTime":196.661,"endTime":196.83999999999997,"body":"had"},{"speaker":"Speaker 4","startTime":196.84099999999998,"endTime":196.92999999999998,"body":"to"},{"speaker":"Speaker 4","startTime":196.93099999999998,"endTime":196.98999999999998,"body":"have"},{"speaker":"Speaker 4","startTime":196.99099999999999,"endTime":197.5,"body":"occurred"},{"speaker":"Speaker 4","startTime":197.58999999999997,"endTime":197.89,"body":"after"},{"speaker":"Speaker 4","startTime":197.891,"endTime":198.01,"body":"the"},{"speaker":"Speaker 4","startTime":198.011,"endTime":198.33999999999997,"body":"retro"},{"speaker":"Speaker 4","startTime":198.34099999999998,"endTime":198.51999999999998,"body":"date"},{"speaker":"Speaker 4","startTime":198.521,"endTime":198.60999999999999,"body":"of"},{"speaker":"Speaker 4","startTime":198.611,"endTime":198.7,"body":"the"},{"speaker":"Speaker 4","startTime":198.701,"endTime":199.29999999999998,"body":"policy"},{"speaker":"Speaker 4","startTime":199.48,"endTime":199.63,"body":"and"},{"speaker":"Speaker 4","startTime":199.631,"endTime":199.72,"body":"then"},{"speaker":"Speaker 4","startTime":199.72099999999998,"endTime":200.01999999999998,"body":"before"},{"speaker":"Speaker 4","startTime":200.021,"endTime":200.26,"body":"the,"},{"speaker":"Speaker 4","startTime":200.44,"endTime":200.76999999999998,"body":"before"},{"speaker":"Speaker 4","startTime":200.771,"endTime":201.33999999999997,"body":"expiration"},{"speaker":"Speaker 4","startTime":201.34099999999998,"endTime":201.42999999999998,"body":"of"},{"speaker":"Speaker 4","startTime":201.43099999999998,"endTime":201.48999999999998,"body":"the"},{"speaker":"Speaker 4","startTime":201.49099999999999,"endTime":201.97,"body":"policy."},{"speaker":"Speaker 4","startTime":202.03,"endTime":202.20999999999998,"body":"But"},{"speaker":"Speaker 4","startTime":202.21099999999998,"endTime":202.35999999999999,"body":"in"},{"speaker":"Speaker 4","startTime":202.361,"endTime":202.54,"body":"this,"},{"speaker":"Speaker 4","startTime":202.75,"endTime":202.86999999999998,"body":"in"},{"speaker":"Speaker 4","startTime":202.87099999999998,"endTime":203.10999999999999,"body":"this"},{"speaker":"Speaker 4","startTime":203.111,"endTime":203.70999999999998,"body":"time"},{"speaker":"Speaker 4","startTime":203.70999999999998,"endTime":203.70999999999998,"body":","},{"speaker":"Speaker 4","startTime":204.16,"endTime":204.16,"body":"uh,"},{"speaker":"Speaker 4","startTime":204.22,"endTime":204.64,"body":"of"},{"speaker":"Speaker 4","startTime":204.67,"endTime":205.11999999999998,"body":"culvert"},{"speaker":"Speaker 4","startTime":205.12099999999998,"endTime":205.78,"body":"19,"},{"speaker":"Speaker 4","startTime":206.07999999999998,"endTime":206.26,"body":"it's"},{"speaker":"Speaker 4","startTime":206.261,"endTime":206.53,"body":"really"},{"speaker":"Speaker 4","startTime":206.53099999999998,"endTime":206.85999999999999,"body":"used"},{"speaker":"Speaker 4","startTime":206.861,"endTime":207.19,"body":"because"},{"speaker":"Speaker 4","startTime":207.191,"endTime":207.31,"body":"you're"},{"speaker":"Speaker 4","startTime":207.31099999999998,"endTime":207.54999999999998,"body":"getting"},{"speaker":"Speaker 4","startTime":207.551,"endTime":207.79,"body":"more,"},{"speaker":"Speaker 4","startTime":207.82,"endTime":208.0,"body":"we're"},{"speaker":"Speaker 4","startTime":208.00099999999998,"endTime":208.20999999999998,"body":"getting"},{"speaker":"Speaker 4","startTime":208.21099999999998,"endTime":208.45,"body":"much"},{"speaker":"Speaker 4","startTime":208.451,"endTime":208.63,"body":"more"},{"speaker":"Speaker 4","startTime":208.631,"endTime":209.17,"body":"restrictive"},{"speaker":"Speaker 4","startTime":209.171,"endTime":209.58999999999997,"body":"coverage."},{"speaker":"Speaker 4","startTime":209.73,"endTime":210.17999999999998,"body":"So"},{"speaker":"Speaker 4","startTime":210.18099999999998,"endTime":210.39,"body":"the"},{"speaker":"Speaker 4","startTime":210.391,"endTime":210.75,"body":"idea"},{"speaker":"Speaker 4","startTime":210.75099999999998,"endTime":210.89999999999998,"body":"would"},{"speaker":"Speaker 4","startTime":210.90099999999998,"endTime":211.04999999999998,"body":"be"},{"speaker":"Speaker 4","startTime":211.051,"endTime":211.64999999999998,"body":"to"},{"speaker":"Speaker 4","startTime":211.67999999999998,"endTime":212.22,"body":"lengthen"},{"speaker":"Speaker 4","startTime":212.22099999999998,"endTime":212.36999999999998,"body":"the"},{"speaker":"Speaker 4","startTime":212.37099999999998,"endTime":212.60999999999999,"body":"amount"},{"speaker":"Speaker 4","startTime":212.611,"endTime":212.7,"body":"of"},{"speaker":"Speaker 4","startTime":212.701,"endTime":213.0,"body":"time"},{"speaker":"Speaker 4","startTime":213.00099999999998,"endTime":213.08999999999997,"body":"that"},{"speaker":"Speaker 4","startTime":213.09099999999998,"endTime":213.17999999999998,"body":"you"},{"speaker":"Speaker 4","startTime":213.18099999999998,"endTime":213.35999999999999,"body":"have"},{"speaker":"Speaker 4","startTime":213.361,"endTime":213.45,"body":"with"},{"speaker":"Speaker 4","startTime":213.451,"endTime":213.6,"body":"your"},{"speaker":"Speaker 4","startTime":213.601,"endTime":213.83999999999997,"body":"good"},{"speaker":"Speaker 4","startTime":213.84099999999998,"endTime":214.35,"body":"coverage"},{"speaker":"Speaker 4","startTime":214.58999999999997,"endTime":214.70999999999998,"body":"to"},{"speaker":"Speaker 4","startTime":214.71099999999998,"endTime":215.07,"body":"report"},{"speaker":"Speaker 4","startTime":215.071,"endTime":215.51999999999998,"body":"potential"},{"speaker":"Speaker 4","startTime":215.521,"endTime":216.0,"body":"claims"},{"speaker":"Speaker 4","startTime":216.32999999999998,"endTime":216.6,"body":"of,"},{"speaker":"Speaker 4","startTime":216.81,"endTime":216.81,"body":"you"},{"speaker":"Speaker 4","startTime":216.95999999999998,"endTime":216.95999999999998,"body":"know"},{"speaker":"Speaker 4","startTime":216.95999999999998,"endTime":216.95999999999998,"body":","},{"speaker":"Speaker 4","startTime":216.97,"endTime":217.29,"body":"one,"},{"speaker":"Speaker 4","startTime":217.291,"endTime":217.44,"body":"two"},{"speaker":"Speaker 4","startTime":217.441,"endTime":217.56,"body":"or"},{"speaker":"Speaker 4","startTime":217.56099999999998,"endTime":217.79999999999998,"body":"three"},{"speaker":"Speaker 4","startTime":217.801,"endTime":218.07,"body":"years"},{"speaker":"Speaker 4","startTime":218.071,"endTime":218.36999999999998,"body":"out"},{"speaker":"Speaker 4","startTime":218.97,"endTime":219.23999999999998,"body":"that"},{"speaker":"Speaker 4","startTime":219.24099999999999,"endTime":219.51,"body":"you're"},{"speaker":"Speaker 4","startTime":219.511,"endTime":219.92999999999998,"body":"not"},{"speaker":"Speaker 4","startTime":219.93099999999998,"endTime":220.14,"body":"going"},{"speaker":"Speaker 4","startTime":220.141,"endTime":220.2,"body":"to"},{"speaker":"Speaker 4","startTime":220.201,"endTime":220.47,"body":"get"},{"speaker":"Speaker 4","startTime":220.58999999999997,"endTime":220.95,"body":"going"},{"speaker":"Speaker 4","startTime":220.951,"endTime":221.54999999999998,"body":"forward."},{"speaker":"Speaker 4","startTime":221.60999999999999,"endTime":221.79,"body":"And"},{"speaker":"Speaker 4","startTime":221.791,"endTime":222.11999999999998,"body":"then"},{"speaker":"Speaker 4","startTime":222.26999999999998,"endTime":222.39,"body":"the"},{"speaker":"Speaker 4","startTime":222.391,"endTime":222.66,"body":"idea"},{"speaker":"Speaker 4","startTime":222.661,"endTime":222.81,"body":"would"},{"speaker":"Speaker 4","startTime":222.81099999999998,"endTime":222.89999999999998,"body":"be"},{"speaker":"Speaker 4","startTime":222.90099999999998,"endTime":222.98999999999998,"body":"to"},{"speaker":"Speaker 4","startTime":222.99099999999999,"endTime":223.14,"body":"get"},{"speaker":"Speaker 4","startTime":223.141,"endTime":223.17,"body":"a"},{"speaker":"Speaker 4","startTime":223.171,"endTime":223.5,"body":"retro"},{"speaker":"Speaker 4","startTime":223.89999999999998,"endTime":224.07999999999998,"body":"going"},{"speaker":"Speaker 4","startTime":224.081,"endTime":224.56,"body":"forward"},{"speaker":"Speaker 3","startTime":224.79999999999998,"endTime":224.95,"body":"and"},{"speaker":"Speaker 3","startTime":224.951,"endTime":225.01,"body":"the"},{"speaker":"Speaker 3","startTime":225.42999999999998,"endTime":225.42999999999998,"body":"caution"},{"speaker":"Speaker 3","startTime":225.43099999999998,"endTime":225.51999999999998,"body":"be"},{"speaker":"Speaker 3","startTime":225.521,"endTime":225.76,"body":"much"},{"speaker":"Speaker 3","startTime":225.761,"endTime":226.03,"body":"more"},{"speaker":"Speaker 3","startTime":226.11999999999998,"endTime":226.45,"body":"cost"},{"speaker":"Speaker 3","startTime":226.451,"endTime":226.89999999999998,"body":"effective."},{"speaker":"Speaker 3","startTime":227.01999999999998,"endTime":227.26,"body":"So"},{"speaker":"Speaker 3","startTime":227.261,"endTime":227.35,"body":"if"},{"speaker":"Speaker 3","startTime":227.351,"endTime":227.41,"body":"I"},{"speaker":"Speaker 3","startTime":227.411,"endTime":227.79999999999998,"body":"understand"},{"speaker":"Speaker 3","startTime":227.801,"endTime":227.92,"body":"this"},{"speaker":"Speaker 3","startTime":227.921,"endTime":228.33999999999997,"body":"correctly,"},{"speaker":"Speaker 3","startTime":228.34099999999998,"endTime":228.42999999999998,"body":"it's"},{"speaker":"Speaker 3","startTime":228.43099999999998,"endTime":228.60999999999999,"body":"kind"},{"speaker":"Speaker 3","startTime":228.611,"endTime":228.67,"body":"of"},{"speaker":"Speaker 3","startTime":228.671,"endTime":228.82,"body":"like"},{"speaker":"Speaker 3","startTime":228.821,"endTime":229.26999999999998,"body":"buying"},{"speaker":"Speaker 3","startTime":229.271,"endTime":229.72,"body":"time,"},{"speaker":"Speaker 3","startTime":229.72099999999998,"endTime":230.04999999999998,"body":"right?"},{"speaker":"Speaker 3","startTime":230.051,"endTime":230.2,"body":"For"},{"speaker":"Speaker 3","startTime":230.201,"endTime":230.32,"body":"you"},{"speaker":"Speaker 3","startTime":230.321,"endTime":230.41,"body":"to"},{"speaker":"Speaker 3","startTime":230.411,"endTime":230.67,"body":"find"},{"speaker":"Speaker 3","startTime":230.91,"endTime":231.08999999999997,"body":"a"},{"speaker":"Speaker 3","startTime":231.13,"endTime":231.57999999999998,"body":"policy"},{"speaker":"Speaker 3","startTime":231.73,"endTime":231.73,"body":"that's"},{"speaker":"Speaker 3","startTime":231.731,"endTime":231.85,"body":"going"},{"speaker":"Speaker 3","startTime":231.851,"endTime":231.91,"body":"to"},{"speaker":"Speaker 3","startTime":231.911,"endTime":232.14999999999998,"body":"fit"},{"speaker":"Speaker 3","startTime":232.15099999999998,"endTime":232.29999999999998,"body":"you"},{"speaker":"Speaker 3","startTime":232.301,"endTime":232.45,"body":"in"},{"speaker":"Speaker 3","startTime":232.451,"endTime":232.51,"body":"the"},{"speaker":"Speaker 3","startTime":232.511,"endTime":232.98999999999998,"body":"future"},{"speaker":"Speaker 3","startTime":233.07999999999998,"endTime":233.23,"body":"or"},{"speaker":"Speaker 3","startTime":233.231,"endTime":233.61999999999998,"body":"something"},{"speaker":"Speaker 3","startTime":233.62099999999998,"endTime":233.73999999999998,"body":"that's"},{"speaker":"Speaker 3","startTime":233.74099999999999,"endTime":233.89,"body":"going"},{"speaker":"Speaker 3","startTime":233.891,"endTime":233.95,"body":"to"},{"speaker":"Speaker 3","startTime":233.951,"endTime":234.07,"body":"be"},{"speaker":"Speaker 3","startTime":234.071,"endTime":234.36999999999998,"body":"as"},{"speaker":"Speaker 3","startTime":234.37099999999998,"endTime":235.17999999999998,"body":"advantageous"},{"speaker":"Speaker 3","startTime":235.18099999999998,"endTime":235.39,"body":"as"},{"speaker":"Speaker 3","startTime":235.391,"endTime":235.83999999999997,"body":"possible,"},{"speaker":"Speaker 3","startTime":235.84099999999998,"endTime":236.14,"body":"right?"},{"speaker":"Speaker 3","startTime":236.26999999999998,"endTime":236.69,"body":"Yes."},{"speaker":"Speaker 3","startTime":236.95,"endTime":237.25,"body":"Well"},{"speaker":"Speaker 3","startTime":237.25099999999998,"endTime":237.39999999999998,"body":"we"},{"speaker":"Speaker 3","startTime":237.40099999999998,"endTime":237.48999999999998,"body":"would"},{"speaker":"Speaker 3","startTime":237.49099999999999,"endTime":237.7,"body":"hope."},{"speaker":"Speaker 3","startTime":238.06,"endTime":238.06,"body":"Yeah"},{"speaker":"Speaker 3","startTime":238.06,"endTime":238.06,"body":"."},{"speaker":"Speaker 3","startTime":238.08999999999997,"endTime":238.29999999999998,"body":"We,"},{"speaker":"Speaker 3","startTime":238.301,"endTime":238.45,"body":"you"},{"speaker":"Speaker 3","startTime":238.451,"endTime":238.6,"body":"know,"},{"speaker":"Speaker 3","startTime":238.601,"endTime":238.78,"body":"we"},{"speaker":"Speaker 3","startTime":238.78099999999998,"endTime":239.14,"body":"hope"},{"speaker":"Speaker 3","startTime":239.41,"endTime":239.70999999999998,"body":"12"},{"speaker":"Speaker 3","startTime":239.71099999999998,"endTime":239.95,"body":"months"},{"speaker":"Speaker 3","startTime":239.951,"endTime":240.36999999999998,"body":"from"},{"speaker":"Speaker 3","startTime":240.37099999999998,"endTime":240.67,"body":"now"},{"speaker":"Speaker 3","startTime":240.671,"endTime":240.88,"body":"this"},{"speaker":"Speaker 3","startTime":240.881,"endTime":241.0,"body":"is"},{"speaker":"Speaker 3","startTime":241.00099999999998,"endTime":241.20999999999998,"body":"all"},{"speaker":"Speaker 3","startTime":241.21099999999998,"endTime":241.57,"body":"over"},{"speaker":"Speaker 3","startTime":241.571,"endTime":241.78,"body":"and"},{"speaker":"Speaker 3","startTime":242.01999999999998,"endTime":242.2,"body":"we"},{"speaker":"Speaker 3","startTime":242.201,"endTime":242.35,"body":"can"},{"speaker":"Speaker 3","startTime":242.351,"endTime":242.5,"body":"get"},{"speaker":"Speaker 3","startTime":242.50099999999998,"endTime":242.95,"body":"coverage"},{"speaker":"Speaker 3","startTime":242.98,"endTime":243.36999999999998,"body":"that's"},{"speaker":"Speaker 3","startTime":243.57999999999998,"endTime":243.82,"body":"better"},{"speaker":"Speaker 3","startTime":243.821,"endTime":243.94,"body":"than"},{"speaker":"Speaker 3","startTime":243.941,"endTime":244.03,"body":"you"},{"speaker":"Speaker 3","startTime":244.03099999999998,"endTime":244.17999999999998,"body":"can"},{"speaker":"Speaker 3","startTime":244.18099999999998,"endTime":244.29999999999998,"body":"get"},{"speaker":"Speaker 3","startTime":244.301,"endTime":244.48,"body":"right"},{"speaker":"Speaker 3","startTime":244.481,"endTime":244.89999999999998,"body":"now."},{"speaker":"Speaker 3","startTime":244.98999999999998,"endTime":245.17,"body":"Yeah."},{"speaker":"Speaker 3","startTime":245.2,"endTime":245.73999999999998,"body":"Hopefully"},{"speaker":"Speaker 3","startTime":245.79999999999998,"endTime":246.01,"body":"as"},{"speaker":"Speaker 3","startTime":246.011,"endTime":246.13,"body":"we"},{"speaker":"Speaker 3","startTime":246.131,"endTime":246.28,"body":"get"},{"speaker":"Speaker 3","startTime":246.76,"endTime":246.76,"body":"this"},{"speaker":"Speaker 3","startTime":246.91,"endTime":246.91,"body":"car"},{"speaker":"Speaker 3","startTime":247.03,"endTime":247.03,"body":"out"},{"speaker":"Speaker 3","startTime":247.26999999999998,"endTime":247.26999999999998,"body":"there"},{"speaker":"Speaker 3","startTime":247.271,"endTime":247.48,"body":"saying,"},{"speaker":"Speaker 3","startTime":247.481,"endTime":247.57,"body":"I"},{"speaker":"Speaker 3","startTime":247.571,"endTime":247.72,"body":"mean"},{"speaker":"Speaker 3","startTime":247.72099999999998,"endTime":248.08999999999997,"body":"the"},{"speaker":"Speaker 3","startTime":248.10999999999999,"endTime":248.47,"body":"president"},{"speaker":"Speaker 3","startTime":248.47099999999998,"endTime":248.67999999999998,"body":"keeps"},{"speaker":"Speaker 3","startTime":248.68099999999998,"endTime":248.92,"body":"saying"},{"speaker":"Speaker 3","startTime":248.921,"endTime":249.01,"body":"we're"},{"speaker":"Speaker 3","startTime":249.011,"endTime":249.16,"body":"going"},{"speaker":"Speaker 3","startTime":249.161,"endTime":249.22,"body":"to"},{"speaker":"Speaker 3","startTime":249.22099999999998,"endTime":249.33999999999997,"body":"get"},{"speaker":"Speaker 3","startTime":249.64,"endTime":249.64,"body":"past"},{"speaker":"Speaker 3","startTime":249.641,"endTime":249.82,"body":"this"},{"speaker":"Speaker 3","startTime":249.821,"endTime":250.14999999999998,"body":"thing"},{"speaker":"Speaker 3","startTime":250.15099999999998,"endTime":250.26999999999998,"body":"and"},{"speaker":"Speaker 3","startTime":250.271,"endTime":250.39,"body":"the"},{"speaker":"Speaker 3","startTime":250.86999999999998,"endTime":250.86999999999998,"body":"economy's"},{"speaker":"Speaker 3","startTime":250.88,"endTime":251.01999999999998,"body":"going"},{"speaker":"Speaker 3","startTime":251.021,"endTime":251.07999999999998,"body":"to"},{"speaker":"Speaker 3","startTime":251.081,"endTime":251.35,"body":"go"},{"speaker":"Speaker 3","startTime":251.38,"endTime":251.85999999999999,"body":"great."},{"speaker":"Speaker 3","startTime":252.16,"endTime":252.57999999999998,"body":"Moving"},{"speaker":"Speaker 3","startTime":252.581,"endTime":253.0,"body":"forward."},{"speaker":"Speaker 3","startTime":253.63,"endTime":253.92999999999998,"body":"We'll"},{"speaker":"Speaker 3","startTime":253.93099999999998,"endTime":254.41,"body":"see."},{"speaker":"Speaker 3","startTime":254.57,"endTime":254.86999999999998,"body":"Mike,"},{"speaker":"Speaker 3","startTime":254.87099999999998,"endTime":255.2,"body":"why"},{"speaker":"Speaker 3","startTime":255.201,"endTime":255.61999999999998,"body":"should"},{"speaker":"Speaker 3","startTime":255.62099999999998,"endTime":255.89,"body":"a"},{"speaker":"Speaker 3","startTime":256.49,"endTime":256.49,"body":"insureds"},{"speaker":"Speaker 3","startTime":256.61,"endTime":256.61,"body":"and"},{"speaker":"Speaker 3","startTime":256.63,"endTime":257.27,"body":"Asians,"},{"speaker":"Speaker 3","startTime":257.3,"endTime":257.39,"body":"I"},{"speaker":"Speaker 3","startTime":257.391,"endTime":257.57,"body":"mean"},{"speaker":"Speaker 3","startTime":257.571,"endTime":257.75,"body":"right"},{"speaker":"Speaker 3","startTime":257.751,"endTime":257.96,"body":"now"},{"speaker":"Speaker 3","startTime":257.961,"endTime":258.05,"body":"it"},{"speaker":"Speaker 3","startTime":258.051,"endTime":258.35,"body":"sounds"},{"speaker":"Speaker 3","startTime":258.351,"endTime":258.47,"body":"like"},{"speaker":"Speaker 3","startTime":258.471,"endTime":258.53000000000003,"body":"a"},{"speaker":"Speaker 3","startTime":258.531,"endTime":258.83,"body":"great"},{"speaker":"Speaker 3","startTime":258.831,"endTime":259.25,"body":"option,"},{"speaker":"Speaker 3","startTime":259.251,"endTime":259.46,"body":"right?"},{"speaker":"Speaker 3","startTime":259.461,"endTime":259.58,"body":"If"},{"speaker":"Speaker 3","startTime":259.581,"endTime":259.67,"body":"you"},{"speaker":"Speaker 3","startTime":259.671,"endTime":259.94,"body":"can't"},{"speaker":"Speaker 3","startTime":259.94100000000003,"endTime":260.12,"body":"get"},{"speaker":"Speaker 3","startTime":260.121,"endTime":260.48,"body":"the"},{"speaker":"Speaker 3","startTime":260.66,"endTime":261.05,"body":"coverage"},{"speaker":"Speaker 3","startTime":261.051,"endTime":261.17,"body":"you're"},{"speaker":"Speaker 3","startTime":261.171,"endTime":261.47,"body":"looking"},{"speaker":"Speaker 3","startTime":261.471,"endTime":261.71,"body":"for"},{"speaker":"Speaker 3","startTime":261.711,"endTime":262.04,"body":"moving"},{"speaker":"Speaker 3","startTime":262.041,"endTime":262.37,"body":"forward,"},{"speaker":"Speaker 3","startTime":262.64,"endTime":262.91,"body":"why"},{"speaker":"Speaker 3","startTime":262.911,"endTime":263.15,"body":"should"},{"speaker":"Speaker 3","startTime":263.151,"endTime":263.57,"body":"insurance"},{"speaker":"Speaker 3","startTime":263.66,"endTime":264.02,"body":"agents"},{"speaker":"Speaker 3","startTime":264.021,"endTime":264.14,"body":"be"},{"speaker":"Speaker 3","startTime":264.141,"endTime":264.89,"body":"cautious"},{"speaker":"Speaker 3","startTime":265.13,"endTime":265.37,"body":"when"},{"speaker":"Speaker 3","startTime":265.371,"endTime":265.73,"body":"looking"},{"speaker":"Speaker 3","startTime":265.731,"endTime":265.88,"body":"at"},{"speaker":"Speaker 3","startTime":265.88100000000003,"endTime":265.97,"body":"an"},{"speaker":"Speaker 3","startTime":265.971,"endTime":266.45,"body":"ERP?"},{"speaker":"Speaker 3","startTime":266.451,"endTime":266.63,"body":"What"},{"speaker":"Speaker 3","startTime":266.63100000000003,"endTime":266.69,"body":"are"},{"speaker":"Speaker 3","startTime":266.69100000000003,"endTime":266.87,"body":"some"},{"speaker":"Speaker 3","startTime":266.871,"endTime":266.96,"body":"of"},{"speaker":"Speaker 3","startTime":266.961,"endTime":267.05,"body":"the"},{"speaker":"Speaker 3","startTime":267.051,"endTime":267.68,"body":"downsides"},{"speaker":"Speaker 3","startTime":267.681,"endTime":267.83,"body":"to"},{"speaker":"Speaker 3","startTime":267.831,"endTime":267.98,"body":"it?"},{"speaker":"Speaker 2","startTime":268.03000000000003,"endTime":268.39,"body":"Yeah,"},{"speaker":"Speaker 2","startTime":269.38,"endTime":269.56,"body":"it's"},{"speaker":"Speaker 2","startTime":269.561,"endTime":269.68,"body":"an"},{"speaker":"Speaker 2","startTime":269.681,"endTime":270.22,"body":"option."},{"speaker":"Speaker 2","startTime":270.43,"endTime":270.67,"body":"A"},{"speaker":"Speaker 2","startTime":270.7,"endTime":271.12,"body":"great"},{"speaker":"Speaker 2","startTime":271.121,"endTime":271.75,"body":"option."},{"speaker":"Speaker 2","startTime":272.14,"endTime":272.74,"body":"It's"},{"speaker":"Speaker 2","startTime":272.741,"endTime":272.86,"body":"an"},{"speaker":"Speaker 2","startTime":272.861,"endTime":273.22,"body":"option,"},{"speaker":"Speaker 2","startTime":273.28000000000003,"endTime":273.55,"body":"right?"},{"speaker":"Speaker 2","startTime":273.551,"endTime":273.64,"body":"The"},{"speaker":"Speaker 2","startTime":273.641,"endTime":273.94,"body":"best"},{"speaker":"Speaker 2","startTime":273.94100000000003,"endTime":274.3,"body":"option"},{"speaker":"Speaker 2","startTime":274.301,"endTime":274.63,"body":"is"},{"speaker":"Speaker 2","startTime":274.63100000000003,"endTime":274.87,"body":"getting"},{"speaker":"Speaker 2","startTime":274.871,"endTime":274.99,"body":"it"},{"speaker":"Speaker 2","startTime":274.991,"endTime":275.5,"body":"renewed"},{"speaker":"Speaker 2","startTime":275.53000000000003,"endTime":275.8,"body":"with"},{"speaker":"Speaker 2","startTime":275.801,"endTime":275.89,"body":"the"},{"speaker":"Speaker 2","startTime":275.891,"endTime":276.19,"body":"proper"},{"speaker":"Speaker 2","startTime":276.19100000000003,"endTime":276.61,"body":"coverages"},{"speaker":"Speaker 2","startTime":276.611,"endTime":276.73,"body":"that"},{"speaker":"Speaker 2","startTime":276.88,"endTime":276.88,"body":"you"},{"speaker":"Speaker 2","startTime":277.03000000000003,"endTime":277.03000000000003,"body":"want"},{"speaker":"Speaker 2","startTime":277.03000000000003,"endTime":277.03000000000003,"body":"."},{"speaker":"Speaker 2","startTime":277.18,"endTime":277.48,"body":"Right."},{"speaker":"Speaker 2","startTime":278.11,"endTime":278.11,"body":"Um,"},{"speaker":"Speaker 2","startTime":278.2,"endTime":278.38,"body":"you"},{"speaker":"Speaker 2","startTime":278.381,"endTime":278.5,"body":"know,"},{"speaker":"Speaker 2","startTime":278.501,"endTime":278.59,"body":"and"},{"speaker":"Speaker 2","startTime":278.591,"endTime":278.74,"body":"kind"},{"speaker":"Speaker 2","startTime":278.741,"endTime":278.8,"body":"of"},{"speaker":"Speaker 2","startTime":278.801,"endTime":279.03999999999996,"body":"Linda"},{"speaker":"Speaker 2","startTime":279.46,"endTime":279.46,"body":"explained"},{"speaker":"Speaker 2","startTime":279.461,"endTime":279.67,"body":"some"},{"speaker":"Speaker 2","startTime":279.671,"endTime":279.72999999999996,"body":"of"},{"speaker":"Speaker 2","startTime":279.82,"endTime":279.82,"body":"the"},{"speaker":"Speaker 2","startTime":279.82,"endTime":279.82,"body":","},{"speaker":"Speaker 2","startTime":279.83,"endTime":279.96999999999997,"body":"you"},{"speaker":"Speaker 2","startTime":279.971,"endTime":280.03,"body":"know,"},{"speaker":"Speaker 2","startTime":280.031,"endTime":280.21,"body":"how"},{"speaker":"Speaker 2","startTime":280.211,"endTime":280.33,"body":"the"},{"speaker":"Speaker 2","startTime":280.33099999999996,"endTime":280.78,"body":"process"},{"speaker":"Speaker 2","startTime":280.781,"endTime":281.14,"body":"works."},{"speaker":"Speaker 2","startTime":281.57,"endTime":281.93,"body":"What"},{"speaker":"Speaker 2","startTime":281.931,"endTime":282.11,"body":"we've"},{"speaker":"Speaker 2","startTime":282.111,"endTime":282.28999999999996,"body":"been"},{"speaker":"Speaker 2","startTime":282.291,"endTime":282.65,"body":"seeing"},{"speaker":"Speaker 2","startTime":282.651,"endTime":282.74,"body":"the"},{"speaker":"Speaker 2","startTime":282.741,"endTime":282.97999999999996,"body":"last"},{"speaker":"Speaker 2","startTime":282.981,"endTime":283.15999999999997,"body":"time"},{"speaker":"Speaker 2","startTime":283.161,"endTime":283.28,"body":"we"},{"speaker":"Speaker 2","startTime":283.281,"endTime":283.52,"body":"saw"},{"speaker":"Speaker 2","startTime":283.521,"endTime":283.78999999999996,"body":"this"},{"speaker":"Speaker 2","startTime":283.791,"endTime":284.03,"body":"kind"},{"speaker":"Speaker 2","startTime":284.031,"endTime":284.18,"body":"of"},{"speaker":"Speaker 2","startTime":284.78,"endTime":284.78,"body":"utilizes"},{"speaker":"Speaker 2","startTime":284.78999999999996,"endTime":284.84,"body":"a"},{"speaker":"Speaker 2","startTime":284.841,"endTime":285.46999999999997,"body":"strategy"},{"speaker":"Speaker 2","startTime":285.471,"endTime":285.65,"body":"in"},{"speaker":"Speaker 2","startTime":285.651,"endTime":286.4,"body":"mass"},{"speaker":"Speaker 2","startTime":286.72999999999996,"endTime":286.90999999999997,"body":"was"},{"speaker":"Speaker 2","startTime":286.911,"endTime":287.18,"body":"about"},{"speaker":"Speaker 2","startTime":287.181,"endTime":287.45,"body":"20"},{"speaker":"Speaker 2","startTime":287.45099999999996,"endTime":287.63,"body":"years"},{"speaker":"Speaker 2","startTime":287.631,"endTime":287.84,"body":"ago"},{"speaker":"Speaker 2","startTime":287.87,"endTime":288.05,"body":"when"},{"speaker":"Speaker 2","startTime":288.051,"endTime":288.11,"body":"the"},{"speaker":"Speaker 2","startTime":288.111,"endTime":288.59,"body":"telecom"},{"speaker":"Speaker 2","startTime":288.92,"endTime":289.15999999999997,"body":"bubble"},{"speaker":"Speaker 2","startTime":289.161,"endTime":289.55,"body":"burst"},{"speaker":"Speaker 2","startTime":289.58,"endTime":289.88,"body":"back"},{"speaker":"Speaker 2","startTime":289.881,"endTime":289.96999999999997,"body":"in"},{"speaker":"Speaker 2","startTime":289.971,"endTime":290.81,"body":"2000"},{"speaker":"Speaker 2","startTime":290.95,"endTime":291.58,"body":"and"},{"speaker":"Speaker 2","startTime":291.58099999999996,"endTime":291.81,"body":"and"},{"speaker":"Speaker 2","startTime":291.82,"endTime":292.0,"body":"the,"},{"speaker":"Speaker 2","startTime":292.001,"endTime":292.22999999999996,"body":"the,"},{"speaker":"Speaker 2","startTime":292.231,"endTime":292.42,"body":"the"},{"speaker":"Speaker 2","startTime":292.421,"endTime":292.9,"body":"ensuing"},{"speaker":"Speaker 2","startTime":293.53,"endTime":293.53,"body":"renewables"},{"speaker":"Speaker 2","startTime":293.531,"endTime":293.62,"body":"for"},{"speaker":"Speaker 2","startTime":293.621,"endTime":293.71,"body":"the"},{"speaker":"Speaker 2","startTime":293.711,"endTime":294.09999999999997,"body":"DNO"},{"speaker":"Speaker 2","startTime":294.101,"endTime":294.72999999999996,"body":"carriers,"},{"speaker":"Speaker 2","startTime":295.03,"endTime":295.3,"body":"there"},{"speaker":"Speaker 2","startTime":295.301,"endTime":295.81,"body":"was"},{"speaker":"Speaker 2","startTime":295.87,"endTime":296.2,"body":"coverage"},{"speaker":"Speaker 2","startTime":296.20099999999996,"endTime":296.38,"body":"that"},{"speaker":"Speaker 2","startTime":296.381,"endTime":296.8,"body":"was"},{"speaker":"Speaker 2","startTime":297.0,"endTime":297.99,"body":"unavailable"},{"speaker":"Speaker 2","startTime":298.17,"endTime":298.77,"body":"or"},{"speaker":"Speaker 2","startTime":298.86,"endTime":299.03999999999996,"body":"they"},{"speaker":"Speaker 2","startTime":299.041,"endTime":299.19,"body":"were"},{"speaker":"Speaker 2","startTime":299.191,"endTime":299.76,"body":"greatly"},{"speaker":"Speaker 2","startTime":299.76099999999997,"endTime":300.42,"body":"restricted,"},{"speaker":"Speaker 2","startTime":300.421,"endTime":300.9,"body":"super"},{"speaker":"Speaker 2","startTime":300.901,"endTime":301.5,"body":"expensive,"},{"speaker":"Speaker 2","startTime":301.501,"endTime":301.59,"body":"you"},{"speaker":"Speaker 2","startTime":301.591,"endTime":301.68,"body":"know,"},{"speaker":"Speaker 2","startTime":301.681,"endTime":301.89,"body":"kind"},{"speaker":"Speaker 2","startTime":301.89099999999996,"endTime":301.97999999999996,"body":"of"},{"speaker":"Speaker 2","startTime":301.981,"endTime":302.01,"body":"a"},{"speaker":"Speaker 2","startTime":302.01099999999997,"endTime":302.21999999999997,"body":"little"},{"speaker":"Speaker 2","startTime":302.221,"endTime":302.34,"body":"bit"},{"speaker":"Speaker 2","startTime":302.341,"endTime":302.43,"body":"of"},{"speaker":"Speaker 2","startTime":302.431,"endTime":302.55,"body":"what"},{"speaker":"Speaker 2","startTime":302.551,"endTime":302.67,"body":"we're"},{"speaker":"Speaker 2","startTime":302.671,"endTime":303.21,"body":"seeing"},{"speaker":"Speaker 2","startTime":303.39,"endTime":303.96,"body":"today"},{"speaker":"Speaker 2","startTime":303.961,"endTime":304.14,"body":"and"},{"speaker":"Speaker 2","startTime":304.14099999999996,"endTime":304.38,"body":"why"},{"speaker":"Speaker 2","startTime":304.381,"endTime":304.59,"body":"this"},{"speaker":"Speaker 2","startTime":304.591,"endTime":304.68,"body":"has"},{"speaker":"Speaker 2","startTime":304.681,"endTime":304.86,"body":"come"},{"speaker":"Speaker 2","startTime":304.861,"endTime":304.97999999999996,"body":"up"},{"speaker":"Speaker 2","startTime":304.981,"endTime":305.34,"body":"again."},{"speaker":"Speaker 2","startTime":305.49,"endTime":306.09,"body":"So"},{"speaker":"Speaker 2","startTime":306.39,"endTime":306.78,"body":"again,"},{"speaker":"Speaker 2","startTime":306.781,"endTime":306.93,"body":"the"},{"speaker":"Speaker 2","startTime":306.931,"endTime":307.38,"body":"idea"},{"speaker":"Speaker 2","startTime":307.381,"endTime":307.46999999999997,"body":"and"},{"speaker":"Speaker 2","startTime":307.471,"endTime":307.53,"body":"the"},{"speaker":"Speaker 2","startTime":307.531,"endTime":308.03999999999996,"body":"strategy"},{"speaker":"Speaker 2","startTime":308.041,"endTime":308.21999999999997,"body":"is"},{"speaker":"Speaker 2","startTime":308.221,"endTime":308.34,"body":"to"},{"speaker":"Speaker 2","startTime":308.341,"endTime":308.78999999999996,"body":"preserve"},{"speaker":"Speaker 2","startTime":308.791,"endTime":308.88,"body":"the"},{"speaker":"Speaker 2","startTime":308.881,"endTime":309.15,"body":"good"},{"speaker":"Speaker 2","startTime":309.151,"endTime":309.47999999999996,"body":"coverage"},{"speaker":"Speaker 2","startTime":309.481,"endTime":309.59999999999997,"body":"that"},{"speaker":"Speaker 2","startTime":309.601,"endTime":309.71999999999997,"body":"you"},{"speaker":"Speaker 2","startTime":309.721,"endTime":309.96,"body":"had"},{"speaker":"Speaker 2","startTime":309.961,"endTime":310.02,"body":"in"},{"speaker":"Speaker 2","startTime":310.021,"endTime":310.08,"body":"the"},{"speaker":"Speaker 2","startTime":310.08099999999996,"endTime":310.46999999999997,"body":"past"},{"speaker":"Speaker 2","startTime":311.03999999999996,"endTime":311.55,"body":"via"},{"speaker":"Speaker 2","startTime":312.27,"endTime":312.27,"body":"uh"},{"speaker":"Speaker 2","startTime":312.27,"endTime":312.27,"body":","},{"speaker":"Speaker 2","startTime":312.271,"endTime":312.55,"body":"a"},{"speaker":"Speaker 2","startTime":312.65999999999997,"endTime":312.96,"body":"more"},{"speaker":"Speaker 2","startTime":312.961,"endTime":313.53,"body":"restricted"},{"speaker":"Speaker 2","startTime":313.531,"endTime":314.01,"body":"policy"},{"speaker":"Speaker 2","startTime":314.01099999999997,"endTime":314.34,"body":"going"},{"speaker":"Speaker 2","startTime":314.341,"endTime":314.90999999999997,"body":"forward."},{"speaker":"Speaker 2","startTime":315.09999999999997,"endTime":315.25,"body":"And"},{"speaker":"Speaker 2","startTime":315.251,"endTime":315.37,"body":"it's"},{"speaker":"Speaker 2","startTime":315.371,"endTime":315.49,"body":"an"},{"speaker":"Speaker 2","startTime":315.491,"endTime":315.96999999999997,"body":"option."},{"speaker":"Speaker 2","startTime":316.03,"endTime":316.12,"body":"I"},{"speaker":"Speaker 2","startTime":316.121,"endTime":316.33,"body":"wouldn't"},{"speaker":"Speaker 2","startTime":316.33099999999996,"endTime":316.45,"body":"say"},{"speaker":"Speaker 2","startTime":316.45099999999996,"endTime":316.63,"body":"it's"},{"speaker":"Speaker 2","startTime":316.631,"endTime":317.14,"body":"great"},{"speaker":"Speaker 2","startTime":317.14099999999996,"endTime":317.40999999999997,"body":"because"},{"speaker":"Speaker 2","startTime":317.411,"endTime":317.56,"body":"there's"},{"speaker":"Speaker 2","startTime":317.561,"endTime":317.62,"body":"a"},{"speaker":"Speaker 2","startTime":317.621,"endTime":317.89,"body":"couple"},{"speaker":"Speaker 2","startTime":317.89099999999996,"endTime":317.95,"body":"of"},{"speaker":"Speaker 2","startTime":317.95099999999996,"endTime":318.4,"body":"problems."},{"speaker":"Speaker 2","startTime":318.64,"endTime":319.15,"body":"One"},{"speaker":"Speaker 2","startTime":319.151,"endTime":319.33,"body":"is"},{"speaker":"Speaker 2","startTime":319.33099999999996,"endTime":319.47999999999996,"body":"the"},{"speaker":"Speaker 2","startTime":319.481,"endTime":320.32,"body":"expense."},{"speaker":"Speaker 2","startTime":320.46,"endTime":320.84999999999997,"body":"Anytime"},{"speaker":"Speaker 2","startTime":320.851,"endTime":320.94,"body":"you"},{"speaker":"Speaker 2","startTime":320.941,"endTime":321.22999999999996,"body":"buy"},{"speaker":"Speaker 2","startTime":321.25,"endTime":321.39,"body":"an"},{"speaker":"Speaker 2","startTime":321.39099999999996,"endTime":321.71999999999997,"body":"extended"},{"speaker":"Speaker 2","startTime":321.721,"endTime":322.11,"body":"reporting"},{"speaker":"Speaker 2","startTime":322.111,"endTime":322.56,"body":"period,"},{"speaker":"Speaker 2","startTime":322.89,"endTime":323.61,"body":"typically"},{"speaker":"Speaker 2","startTime":323.61,"endTime":323.61,"body":","},{"speaker":"Speaker 2","startTime":324.24,"endTime":324.24,"body":"uh"},{"speaker":"Speaker 2","startTime":324.24,"endTime":324.24,"body":","},{"speaker":"Speaker 2","startTime":324.89,"endTime":325.32,"body":"we"},{"speaker":"Speaker 2","startTime":325.32099999999997,"endTime":325.56,"body":"try"},{"speaker":"Speaker 2","startTime":325.561,"endTime":325.68,"body":"to"},{"speaker":"Speaker 2","startTime":325.681,"endTime":326.34,"body":"negotiate"},{"speaker":"Speaker 2","startTime":326.61,"endTime":326.61,"body":"it"},{"speaker":"Speaker 2","startTime":326.63,"endTime":326.94,"body":"is,"},{"speaker":"Speaker 2","startTime":327.02,"endTime":327.42,"body":"is"},{"speaker":"Speaker 2","startTime":327.421,"endTime":327.53999999999996,"body":"an"},{"speaker":"Speaker 2","startTime":327.541,"endTime":328.08,"body":"automatic"},{"speaker":"Speaker 2","startTime":328.08099999999996,"endTime":328.28999999999996,"body":"one,"},{"speaker":"Speaker 2","startTime":328.291,"endTime":328.5,"body":"two"},{"speaker":"Speaker 2","startTime":328.501,"endTime":328.62,"body":"and"},{"speaker":"Speaker 2","startTime":328.621,"endTime":328.92,"body":"three"},{"speaker":"Speaker 2","startTime":328.921,"endTime":329.19,"body":"year"},{"speaker":"Speaker 2","startTime":329.21999999999997,"endTime":329.90999999999997,"body":"price"},{"speaker":"Speaker 2","startTime":330.53,"endTime":330.71999999999997,"body":"where"},{"speaker":"Speaker 2","startTime":330.721,"endTime":330.84,"body":"you"},{"speaker":"Speaker 2","startTime":330.841,"endTime":330.99,"body":"can"},{"speaker":"Speaker 2","startTime":330.991,"endTime":331.38,"body":"buy"},{"speaker":"Speaker 2","startTime":331.381,"endTime":331.53,"body":"the"},{"speaker":"Speaker 2","startTime":331.531,"endTime":331.92,"body":"extended"},{"speaker":"Speaker 2","startTime":331.921,"endTime":332.25,"body":"reporting"},{"speaker":"Speaker 2","startTime":332.251,"endTime":332.64,"body":"period"},{"speaker":"Speaker 2","startTime":332.64099999999996,"endTime":332.76,"body":"for"},{"speaker":"Speaker 2","startTime":332.76099999999997,"endTime":333.06,"body":"one,"},{"speaker":"Speaker 2","startTime":333.061,"endTime":333.24,"body":"two,"},{"speaker":"Speaker 2","startTime":333.241,"endTime":333.33,"body":"or"},{"speaker":"Speaker 2","startTime":333.33099999999996,"endTime":333.53999999999996,"body":"three"},{"speaker":"Speaker 2","startTime":333.541,"endTime":333.9,"body":"years."},{"speaker":"Speaker 2","startTime":334.22999999999996,"endTime":334.46999999999997,"body":"Those"},{"speaker":"Speaker 2","startTime":334.471,"endTime":334.95,"body":"premiums"},{"speaker":"Speaker 2","startTime":334.95099999999996,"endTime":335.03999999999996,"body":"are"},{"speaker":"Speaker 2","startTime":335.041,"endTime":335.61,"body":"typically"},{"speaker":"Speaker 2","startTime":335.611,"endTime":335.72999999999996,"body":"a"},{"speaker":"Speaker 2","startTime":335.731,"endTime":336.24,"body":"hundred,"},{"speaker":"Speaker 2","startTime":336.3,"endTime":337.26,"body":"150,"},{"speaker":"Speaker 2","startTime":337.44,"endTime":337.68,"body":"maybe"},{"speaker":"Speaker 2","startTime":337.681,"endTime":338.72999999999996,"body":"200%"},{"speaker":"Speaker 2","startTime":338.731,"endTime":338.96999999999997,"body":"on"},{"speaker":"Speaker 2","startTime":338.971,"endTime":339.24,"body":"one,"},{"speaker":"Speaker 2","startTime":339.241,"endTime":339.42,"body":"two"},{"speaker":"Speaker 2","startTime":339.421,"endTime":339.57,"body":"and"},{"speaker":"Speaker 2","startTime":339.57099999999997,"endTime":339.81,"body":"three"},{"speaker":"Speaker 2","startTime":339.811,"endTime":340.34999999999997,"body":"years"},{"speaker":"Speaker 2","startTime":340.74,"endTime":340.95,"body":"of"},{"speaker":"Speaker 2","startTime":340.95099999999996,"endTime":341.15999999999997,"body":"the"},{"speaker":"Speaker 2","startTime":341.4,"endTime":342.03,"body":"expiring"},{"speaker":"Speaker 2","startTime":342.031,"endTime":342.36,"body":"annual"},{"speaker":"Speaker 2","startTime":342.75,"endTime":342.75,"body":"premium"},{"speaker":"Speaker 2","startTime":342.75,"endTime":342.75,"body":"."},{"speaker":"Speaker 2","startTime":342.87,"endTime":343.05,"body":"So"},{"speaker":"Speaker 2","startTime":343.051,"endTime":343.28999999999996,"body":"again,"},{"speaker":"Speaker 2","startTime":343.291,"endTime":343.40999999999997,"body":"if"},{"speaker":"Speaker 2","startTime":343.411,"endTime":343.56,"body":"you've"},{"speaker":"Speaker 2","startTime":343.561,"endTime":343.71,"body":"got"},{"speaker":"Speaker 2","startTime":343.711,"endTime":343.8,"body":"an"},{"speaker":"Speaker 2","startTime":343.801,"endTime":344.15999999999997,"body":"insurance"},{"speaker":"Speaker 2","startTime":344.161,"endTime":344.28,"body":"that's"},{"speaker":"Speaker 2","startTime":344.281,"endTime":344.55,"body":"paying"},{"speaker":"Speaker 2","startTime":344.551,"endTime":345.81,"body":"$20,000"},{"speaker":"Speaker 2","startTime":346.02,"endTime":346.14,"body":"to"},{"speaker":"Speaker 2","startTime":346.14099999999996,"endTime":346.34999999999997,"body":"buy"},{"speaker":"Speaker 2","startTime":346.351,"endTime":346.44,"body":"a"},{"speaker":"Speaker 2","startTime":346.441,"endTime":347.01,"body":"one"},{"speaker":"Speaker 2","startTime":347.01099999999997,"endTime":347.21999999999997,"body":"year"},{"speaker":"Speaker 2","startTime":347.221,"endTime":347.58,"body":"extended"},{"speaker":"Speaker 2","startTime":347.58099999999996,"endTime":347.96999999999997,"body":"reporting"},{"speaker":"Speaker 2","startTime":347.971,"endTime":348.42,"body":"period,"},{"speaker":"Speaker 2","startTime":348.53999999999996,"endTime":349.02,"body":"that's"},{"speaker":"Speaker 2","startTime":349.05,"endTime":350.15999999999997,"body":"$20,000"},{"speaker":"Speaker 2","startTime":350.161,"endTime":350.31,"body":"it's"},{"speaker":"Speaker 2","startTime":350.311,"endTime":350.52,"body":"all"},{"speaker":"Speaker 2","startTime":350.521,"endTime":350.7,"body":"learned"},{"speaker":"Speaker 2","startTime":350.70099999999996,"endTime":350.82,"body":"up"},{"speaker":"Speaker 2","startTime":350.82099999999997,"endTime":351.06,"body":"front"},{"speaker":"Speaker 2","startTime":351.061,"endTime":351.18,"body":"so"},{"speaker":"Speaker 2","startTime":351.181,"endTime":351.3,"body":"you"},{"speaker":"Speaker 2","startTime":351.301,"endTime":351.53999999999996,"body":"can't"},{"speaker":"Speaker 2","startTime":351.541,"endTime":351.75,"body":"find"},{"speaker":"Speaker 2","startTime":351.751,"endTime":351.81,"body":"the"},{"speaker":"Speaker 2","startTime":352.05,"endTime":352.05,"body":"exit"},{"speaker":"Speaker 2","startTime":352.2,"endTime":352.32,"body":"and"},{"speaker":"Speaker 2","startTime":352.32099999999997,"endTime":352.40999999999997,"body":"then"},{"speaker":"Speaker 2","startTime":352.411,"endTime":352.5,"body":"you"},{"speaker":"Speaker 2","startTime":352.501,"endTime":352.68,"body":"have"},{"speaker":"Speaker 2","startTime":352.681,"endTime":352.77,"body":"to"},{"speaker":"Speaker 2","startTime":352.771,"endTime":352.92,"body":"buy"},{"speaker":"Speaker 2","startTime":352.921,"endTime":353.01,"body":"the"},{"speaker":"Speaker 2","startTime":353.01099999999997,"endTime":353.15999999999997,"body":"new"},{"speaker":"Speaker 2","startTime":353.161,"endTime":353.52,"body":"policy"},{"speaker":"Speaker 2","startTime":353.521,"endTime":353.76,"body":"going"},{"speaker":"Speaker 2","startTime":353.76099999999997,"endTime":354.03,"body":"forward."},{"speaker":"Speaker 2","startTime":354.031,"endTime":354.15,"body":"So"},{"speaker":"Speaker 2","startTime":354.151,"endTime":354.27,"body":"it's"},{"speaker":"Speaker 2","startTime":354.271,"endTime":354.36,"body":"an"},{"speaker":"Speaker 2","startTime":354.361,"endTime":355.05,"body":"expensive"},{"speaker":"Speaker 2","startTime":355.051,"endTime":355.46999999999997,"body":"option."},{"speaker":"Speaker 2","startTime":355.62,"endTime":356.09999999999997,"body":"However,"},{"speaker":"Speaker 2","startTime":356.101,"endTime":356.25,"body":"the"},{"speaker":"Speaker 2","startTime":356.251,"endTime":356.76,"body":"benefit"},{"speaker":"Speaker 2","startTime":356.76099999999997,"endTime":356.88,"body":"of"},{"speaker":"Speaker 2","startTime":356.881,"endTime":357.0,"body":"it"},{"speaker":"Speaker 2","startTime":357.001,"endTime":357.24,"body":"is"},{"speaker":"Speaker 2","startTime":357.241,"endTime":357.42,"body":"is"},{"speaker":"Speaker 2","startTime":357.421,"endTime":357.53999999999996,"body":"you"},{"speaker":"Speaker 2","startTime":357.541,"endTime":358.22999999999996,"body":"preserve"},{"speaker":"Speaker 2","startTime":358.231,"endTime":358.44,"body":"that"},{"speaker":"Speaker 2","startTime":358.441,"endTime":359.37,"body":"coverage."},{"speaker":"Speaker 2","startTime":359.49,"endTime":359.67,"body":"So"},{"speaker":"Speaker 2","startTime":359.671,"endTime":359.82,"body":"for"},{"speaker":"Speaker 2","startTime":359.82099999999997,"endTime":360.18,"body":"example,"},{"speaker":"Speaker 2","startTime":360.33,"endTime":360.33,"body":"on"},{"speaker":"Speaker 2","startTime":360.33099999999996,"endTime":360.42,"body":"an"},{"speaker":"Speaker 2","startTime":360.45,"endTime":360.9,"body":"EPL"},{"speaker":"Speaker 2","startTime":360.901,"endTime":361.44,"body":"policy,"},{"speaker":"Speaker 2","startTime":361.441,"endTime":361.59,"body":"if"},{"speaker":"Speaker 2","startTime":361.591,"endTime":361.74,"body":"your"},{"speaker":"Speaker 2","startTime":361.741,"endTime":362.09999999999997,"body":"renewal"},{"speaker":"Speaker 2","startTime":362.101,"endTime":362.34,"body":"wants"},{"speaker":"Speaker 2","startTime":362.341,"endTime":362.43,"body":"to"},{"speaker":"Speaker 2","startTime":362.431,"endTime":362.61,"body":"put"},{"speaker":"Speaker 2","startTime":362.72999999999996,"endTime":362.72999999999996,"body":"on"},{"speaker":"Speaker 2","startTime":362.731,"endTime":362.78999999999996,"body":"a"},{"speaker":"Speaker 2","startTime":363.09,"endTime":363.09,"body":"covert"},{"speaker":"Speaker 2","startTime":363.091,"endTime":363.57,"body":"19"},{"speaker":"Speaker 2","startTime":364.05,"endTime":364.05,"body":"layoff"},{"speaker":"Speaker 2","startTime":364.051,"endTime":364.71,"body":"exclusion"},{"speaker":"Speaker 2","startTime":364.86,"endTime":365.01,"body":"and"},{"speaker":"Speaker 2","startTime":365.01099999999997,"endTime":365.09999999999997,"body":"you"},{"speaker":"Speaker 2","startTime":365.101,"endTime":365.31,"body":"had"},{"speaker":"Speaker 2","startTime":365.311,"endTime":365.37,"body":"to"},{"speaker":"Speaker 2","startTime":365.371,"endTime":365.58,"body":"lay"},{"speaker":"Speaker 2","startTime":365.58099999999996,"endTime":365.88,"body":"off,"},{"speaker":"Speaker 2","startTime":366.03,"endTime":366.03,"body":"you"},{"speaker":"Speaker 2","startTime":366.15,"endTime":366.15,"body":"know"},{"speaker":"Speaker 2","startTime":366.15,"endTime":366.15,"body":","},{"speaker":"Speaker 2","startTime":366.151,"endTime":366.71999999999997,"body":"500"},{"speaker":"Speaker 2","startTime":366.721,"endTime":367.32,"body":"employees"},{"speaker":"Speaker 2","startTime":367.38,"endTime":367.46999999999997,"body":"a"},{"speaker":"Speaker 2","startTime":367.471,"endTime":367.71,"body":"month"},{"speaker":"Speaker 2","startTime":367.711,"endTime":367.77,"body":"or"},{"speaker":"Speaker 2","startTime":367.771,"endTime":367.97999999999996,"body":"two"},{"speaker":"Speaker 2","startTime":367.981,"endTime":368.4,"body":"ago"},{"speaker":"Speaker 2","startTime":368.49,"endTime":368.78999999999996,"body":"being"},{"speaker":"Speaker 2","startTime":368.791,"endTime":368.84999999999997,"body":"a"},{"speaker":"Speaker 2","startTime":368.851,"endTime":369.15,"body":"claims"},{"speaker":"Speaker 2","startTime":369.151,"endTime":369.33,"body":"made"},{"speaker":"Speaker 2","startTime":369.33099999999996,"endTime":369.96,"body":"policy,"},{"speaker":"Speaker 2","startTime":369.99,"endTime":370.2,"body":"if"},{"speaker":"Speaker 2","startTime":370.20099999999996,"endTime":370.32,"body":"the"},{"speaker":"Speaker 2","startTime":370.32099999999997,"endTime":370.65,"body":"claim"},{"speaker":"Speaker 2","startTime":370.651,"endTime":370.8,"body":"was"},{"speaker":"Speaker 2","startTime":370.801,"endTime":371.07,"body":"turned"},{"speaker":"Speaker 2","startTime":371.07099999999997,"endTime":371.21999999999997,"body":"in"},{"speaker":"Speaker 2","startTime":371.221,"endTime":371.46,"body":"after"},{"speaker":"Speaker 2","startTime":371.461,"endTime":371.61,"body":"you"},{"speaker":"Speaker 2","startTime":371.611,"endTime":371.94,"body":"renewed"},{"speaker":"Speaker 2","startTime":371.941,"endTime":372.03,"body":"it"},{"speaker":"Speaker 2","startTime":372.15,"endTime":372.15,"body":"with"},{"speaker":"Speaker 2","startTime":372.27,"endTime":372.27,"body":"that"},{"speaker":"Speaker 2","startTime":372.271,"endTime":372.63,"body":"exclusion"},{"speaker":"Speaker 2","startTime":372.631,"endTime":372.75,"body":"on"},{"speaker":"Speaker 2","startTime":372.751,"endTime":372.87,"body":"there,"},{"speaker":"Speaker 2","startTime":372.871,"endTime":372.96,"body":"it's"},{"speaker":"Speaker 2","startTime":372.961,"endTime":373.17,"body":"not"},{"speaker":"Speaker 2","startTime":373.171,"endTime":373.5,"body":"covered."},{"speaker":"Speaker 2","startTime":373.92,"endTime":374.07,"body":"So"},{"speaker":"Speaker 2","startTime":374.07099999999997,"endTime":374.28,"body":"the"},{"speaker":"Speaker 2","startTime":374.281,"endTime":374.78999999999996,"body":"expense"},{"speaker":"Speaker 2","startTime":374.791,"endTime":375.0,"body":"can"},{"speaker":"Speaker 2","startTime":375.001,"endTime":375.51,"body":"preserve"},{"speaker":"Speaker 2","startTime":375.51099999999997,"endTime":375.57,"body":"the"},{"speaker":"Speaker 2","startTime":375.57099999999997,"endTime":375.78,"body":"good"},{"speaker":"Speaker 2","startTime":375.781,"endTime":376.53,"body":"coverage,"},{"speaker":"Speaker 2","startTime":376.71,"endTime":376.89,"body":"but"},{"speaker":"Speaker 2","startTime":376.89099999999996,"endTime":377.03999999999996,"body":"it's"},{"speaker":"Speaker 2","startTime":377.041,"endTime":377.28,"body":"very,"},{"speaker":"Speaker 2","startTime":377.281,"endTime":377.46,"body":"very"},{"speaker":"Speaker 2","startTime":377.461,"endTime":378.03,"body":"expensive."},{"speaker":"Speaker 3","startTime":378.32,"endTime":378.55,"body":"Makes"},{"speaker":"Speaker 3","startTime":378.551,"endTime":378.82,"body":"sense."},{"speaker":"Speaker 3","startTime":378.82099999999997,"endTime":378.90999999999997,"body":"So"},{"speaker":"Speaker 3","startTime":378.911,"endTime":379.0,"body":"you"},{"speaker":"Speaker 3","startTime":379.001,"endTime":379.21,"body":"have"},{"speaker":"Speaker 3","startTime":379.211,"endTime":379.33,"body":"to"},{"speaker":"Speaker 3","startTime":379.33099999999996,"endTime":379.71999999999997,"body":"weigh"},{"speaker":"Speaker 3","startTime":379.721,"endTime":379.93,"body":"in"},{"speaker":"Speaker 3","startTime":379.931,"endTime":380.17,"body":"and"},{"speaker":"Speaker 3","startTime":380.171,"endTime":380.38,"body":"see"},{"speaker":"Speaker 3","startTime":380.381,"endTime":380.5,"body":"if"},{"speaker":"Speaker 3","startTime":380.501,"endTime":380.74,"body":"that"},{"speaker":"Speaker 3","startTime":380.741,"endTime":381.15999999999997,"body":"is"},{"speaker":"Speaker 3","startTime":381.21999999999997,"endTime":381.4,"body":"the"},{"speaker":"Speaker 3","startTime":381.401,"endTime":381.64,"body":"right"},{"speaker":"Speaker 3","startTime":381.64099999999996,"endTime":382.03,"body":"option"},{"speaker":"Speaker 3","startTime":382.031,"endTime":382.27,"body":"for"},{"speaker":"Speaker 3","startTime":382.271,"endTime":382.45,"body":"you."},{"speaker":"Speaker 3","startTime":382.53999999999996,"endTime":382.87,"body":"Really,"},{"speaker":"Speaker 3","startTime":382.871,"endTime":383.11,"body":"there's"},{"speaker":"Speaker 3","startTime":383.111,"endTime":383.14,"body":"a"},{"speaker":"Speaker 3","startTime":383.14099999999996,"endTime":383.40999999999997,"body":"lot"},{"speaker":"Speaker 3","startTime":383.411,"endTime":383.59,"body":"to"},{"speaker":"Speaker 3","startTime":383.591,"endTime":383.72999999999996,"body":"it."},{"speaker":"Speaker 3","startTime":383.9,"endTime":384.11,"body":"What"},{"speaker":"Speaker 3","startTime":384.111,"endTime":384.5,"body":"about"},{"speaker":"Speaker 3","startTime":384.501,"endTime":385.28,"body":"insurers"},{"speaker":"Speaker 3","startTime":385.281,"endTime":385.88,"body":"denying"},{"speaker":"Speaker 3","startTime":385.881,"endTime":386.65999999999997,"body":"claims?"},{"speaker":"Speaker 3","startTime":387.01,"endTime":387.25,"body":"Could"},{"speaker":"Speaker 3","startTime":387.251,"endTime":387.52,"body":"that"},{"speaker":"Speaker 3","startTime":387.521,"endTime":388.09,"body":"happen"},{"speaker":"Speaker 3","startTime":388.3,"endTime":388.57,"body":"on"},{"speaker":"Speaker 3","startTime":388.57099999999997,"endTime":388.69,"body":"an"},{"speaker":"Speaker 3","startTime":388.691,"endTime":389.28999999999996,"body":"ERP?"},{"speaker":"Speaker 3","startTime":389.44,"endTime":389.56,"body":"Are"},{"speaker":"Speaker 3","startTime":389.561,"endTime":389.71,"body":"there"},{"speaker":"Speaker 3","startTime":389.711,"endTime":389.92,"body":"any"},{"speaker":"Speaker 3","startTime":389.921,"endTime":390.21999999999997,"body":"ways"},{"speaker":"Speaker 3","startTime":390.221,"endTime":390.61,"body":"around"},{"speaker":"Speaker 3","startTime":390.611,"endTime":390.72999999999996,"body":"it?"},{"speaker":"Speaker 3","startTime":390.84999999999997,"endTime":390.96999999999997,"body":"They"},{"speaker":"Speaker 3","startTime":391.12,"endTime":391.12,"body":"could"},{"speaker":"Speaker 3","startTime":391.121,"endTime":391.36,"body":"deny"},{"speaker":"Speaker 3","startTime":391.361,"endTime":391.45,"body":"a"},{"speaker":"Speaker 3","startTime":391.45099999999996,"endTime":391.83,"body":"claim?"},{"speaker":"Speaker 3","startTime":391.96999999999997,"endTime":392.15,"body":"Yeah."},{"speaker":"Speaker 3","startTime":392.18,"endTime":392.36,"body":"For"},{"speaker":"Speaker 3","startTime":392.361,"endTime":392.63,"body":"some"},{"speaker":"Speaker 3","startTime":392.631,"endTime":393.34999999999997,"body":"reason"},{"speaker":"Speaker 3","startTime":393.5,"endTime":393.71,"body":"you"},{"speaker":"Speaker 3","startTime":393.711,"endTime":393.95,"body":"should"},{"speaker":"Speaker 3","startTime":393.95099999999996,"endTime":394.07,"body":"have"},{"speaker":"Speaker 3","startTime":394.07099999999997,"endTime":394.67,"body":"known"},{"speaker":"Speaker 3","startTime":394.76,"endTime":394.94,"body":"that"},{"speaker":"Speaker 3","startTime":394.941,"endTime":395.24,"body":"something"},{"speaker":"Speaker 3","startTime":395.241,"endTime":395.36,"body":"was"},{"speaker":"Speaker 3","startTime":395.361,"endTime":395.53999999999996,"body":"going"},{"speaker":"Speaker 3","startTime":395.541,"endTime":395.59999999999997,"body":"to"},{"speaker":"Speaker 3","startTime":395.601,"endTime":395.87,"body":"become"},{"speaker":"Speaker 3","startTime":395.871,"endTime":395.93,"body":"a"},{"speaker":"Speaker 3","startTime":395.931,"endTime":396.14,"body":"claim"},{"speaker":"Speaker 3","startTime":396.14099999999996,"endTime":396.34999999999997,"body":"because"},{"speaker":"Speaker 3","startTime":396.351,"endTime":396.46999999999997,"body":"when"},{"speaker":"Speaker 3","startTime":396.471,"endTime":396.65,"body":"you"},{"speaker":"Speaker 3","startTime":396.92,"endTime":396.92,"body":"ruin"},{"speaker":"Speaker 3","startTime":396.92,"endTime":396.92,"body":","},{"speaker":"Speaker 3","startTime":396.95,"endTime":397.13,"body":"when"},{"speaker":"Speaker 3","startTime":397.131,"endTime":397.25,"body":"you"},{"speaker":"Speaker 3","startTime":397.251,"endTime":397.52,"body":"move"},{"speaker":"Speaker 3","startTime":397.521,"endTime":398.09,"body":"coverage"},{"speaker":"Speaker 3","startTime":398.36,"endTime":398.65999999999997,"body":"going"},{"speaker":"Speaker 3","startTime":398.661,"endTime":399.17,"body":"forward"},{"speaker":"Speaker 3","startTime":399.171,"endTime":399.26,"body":"to"},{"speaker":"Speaker 3","startTime":399.26099999999997,"endTime":399.34999999999997,"body":"a"},{"speaker":"Speaker 3","startTime":399.351,"endTime":399.68,"body":"retro"},{"speaker":"Speaker 3","startTime":399.681,"endTime":400.13,"body":"inception"},{"speaker":"Speaker 3","startTime":400.131,"endTime":400.78999999999996,"body":"policy,"},{"speaker":"Speaker 3","startTime":400.89,"endTime":401.13,"body":"that's"},{"speaker":"Speaker 3","startTime":401.131,"endTime":401.21999999999997,"body":"the"},{"speaker":"Speaker 3","startTime":401.221,"endTime":401.46,"body":"much"},{"speaker":"Speaker 3","startTime":401.67,"endTime":402.3,"body":"restrictive"},{"speaker":"Speaker 3","startTime":402.301,"endTime":402.93,"body":"policy."},{"speaker":"Speaker 4","startTime":403.24,"endTime":403.24,"body":"You're"},{"speaker":"Speaker 4","startTime":403.53999999999996,"endTime":403.53999999999996,"body":"prob"},{"speaker":"Speaker 4","startTime":403.58,"endTime":403.69,"body":"you're"},{"speaker":"Speaker 4","startTime":403.691,"endTime":403.87,"body":"going"},{"speaker":"Speaker 4","startTime":403.871,"endTime":403.93,"body":"to"},{"speaker":"Speaker 4","startTime":403.931,"endTime":404.05,"body":"have"},{"speaker":"Speaker 4","startTime":404.051,"endTime":404.14,"body":"to"},{"speaker":"Speaker 4","startTime":404.14099999999996,"endTime":404.5,"body":"complete"},{"speaker":"Speaker 4","startTime":404.501,"endTime":404.56,"body":"an"},{"speaker":"Speaker 4","startTime":404.561,"endTime":405.13,"body":"application"},{"speaker":"Speaker 4","startTime":405.131,"endTime":405.21999999999997,"body":"that"},{"speaker":"Speaker 4","startTime":405.221,"endTime":405.52,"body":"says,"},{"speaker":"Speaker 4","startTime":405.67,"endTime":405.84999999999997,"body":"do"},{"speaker":"Speaker 4","startTime":405.851,"endTime":405.94,"body":"you"},{"speaker":"Speaker 4","startTime":405.941,"endTime":406.09,"body":"know"},{"speaker":"Speaker 4","startTime":406.091,"endTime":406.21,"body":"of"},{"speaker":"Speaker 4","startTime":406.211,"endTime":406.57,"body":"anything"},{"speaker":"Speaker 4","startTime":406.57099999999997,"endTime":406.69,"body":"that"},{"speaker":"Speaker 4","startTime":406.691,"endTime":406.93,"body":"could"},{"speaker":"Speaker 4","startTime":406.931,"endTime":407.2,"body":"become"},{"speaker":"Speaker 4","startTime":407.20099999999996,"endTime":407.28999999999996,"body":"a"},{"speaker":"Speaker 4","startTime":407.291,"endTime":407.65,"body":"claim?"},{"speaker":"Speaker 4","startTime":407.8,"endTime":407.97999999999996,"body":"Have"},{"speaker":"Speaker 4","startTime":407.981,"endTime":408.07,"body":"you"},{"speaker":"Speaker 4","startTime":408.07099999999997,"endTime":408.31,"body":"had"},{"speaker":"Speaker 4","startTime":408.311,"endTime":408.43,"body":"any"},{"speaker":"Speaker 4","startTime":408.431,"endTime":408.88,"body":"layoffs"},{"speaker":"Speaker 4","startTime":408.881,"endTime":408.94,"body":"in"},{"speaker":"Speaker 4","startTime":408.941,"endTime":409.0,"body":"the"},{"speaker":"Speaker 4","startTime":409.001,"endTime":409.33,"body":"past"},{"speaker":"Speaker 4","startTime":409.33099999999996,"endTime":409.63,"body":"12"},{"speaker":"Speaker 4","startTime":409.631,"endTime":409.93,"body":"months?"},{"speaker":"Speaker 4","startTime":410.22999999999996,"endTime":410.32,"body":"Are"},{"speaker":"Speaker 4","startTime":410.32099999999997,"endTime":410.40999999999997,"body":"you"},{"speaker":"Speaker 4","startTime":410.411,"endTime":410.95,"body":"expecting"},{"speaker":"Speaker 4","startTime":410.95099999999996,"endTime":411.13,"body":"any"},{"speaker":"Speaker 4","startTime":411.131,"endTime":411.52,"body":"layoffs"},{"speaker":"Speaker 4","startTime":411.521,"endTime":411.61,"body":"in"},{"speaker":"Speaker 4","startTime":411.611,"endTime":411.67,"body":"the"},{"speaker":"Speaker 4","startTime":411.671,"endTime":411.96999999999997,"body":"coming"},{"speaker":"Speaker 4","startTime":411.971,"endTime":412.27,"body":"12"},{"speaker":"Speaker 4","startTime":412.271,"endTime":412.53999999999996,"body":"months?"},{"speaker":"Speaker 4","startTime":412.67,"endTime":413.15,"body":"So"},{"speaker":"Speaker 4","startTime":413.151,"endTime":413.33,"body":"as"},{"speaker":"Speaker 4","startTime":413.33099999999996,"endTime":413.47999999999996,"body":"soon"},{"speaker":"Speaker 4","startTime":413.481,"endTime":413.59999999999997,"body":"as"},{"speaker":"Speaker 4","startTime":413.601,"endTime":413.71999999999997,"body":"you"},{"speaker":"Speaker 4","startTime":413.721,"endTime":414.14,"body":"say,"},{"speaker":"Speaker 4","startTime":414.26,"endTime":414.71,"body":"well,"},{"speaker":"Speaker 4","startTime":414.77,"endTime":415.21999999999997,"body":"yeah,"},{"speaker":"Speaker 4","startTime":415.221,"endTime":415.37,"body":"we're"},{"speaker":"Speaker 4","startTime":415.371,"endTime":415.76,"body":"probably"},{"speaker":"Speaker 4","startTime":415.88,"endTime":415.88,"body":"going"},{"speaker":"Speaker 4","startTime":415.94,"endTime":415.94,"body":"to"},{"speaker":"Speaker 4","startTime":415.941,"endTime":416.12,"body":"lay"},{"speaker":"Speaker 4","startTime":416.121,"endTime":416.27,"body":"off"},{"speaker":"Speaker 4","startTime":416.271,"endTime":416.84,"body":"20%"},{"speaker":"Speaker 4","startTime":416.841,"endTime":416.96,"body":"more"},{"speaker":"Speaker 4","startTime":416.961,"endTime":417.38,"body":"people"},{"speaker":"Speaker 4","startTime":417.381,"endTime":417.56,"body":"or"},{"speaker":"Speaker 4","startTime":417.74,"endTime":417.92,"body":"what"},{"speaker":"Speaker 4","startTime":417.921,"endTime":418.13,"body":"have"},{"speaker":"Speaker 4","startTime":418.131,"endTime":418.21999999999997,"body":"you,"},{"speaker":"Speaker 4","startTime":418.221,"endTime":418.31,"body":"if"},{"speaker":"Speaker 4","startTime":418.311,"endTime":418.46,"body":"this"},{"speaker":"Speaker 4","startTime":418.461,"endTime":418.7,"body":"doesn't"},{"speaker":"Speaker 4","startTime":418.70099999999996,"endTime":418.88,"body":"turn"},{"speaker":"Speaker 4","startTime":418.881,"endTime":419.27,"body":"around"},{"speaker":"Speaker 4","startTime":419.39,"endTime":419.59999999999997,"body":"that"},{"speaker":"Speaker 4","startTime":419.96,"endTime":419.96,"body":"Macquarie"},{"speaker":"Speaker 4","startTime":420.05,"endTime":420.05,"body":"is"},{"speaker":"Speaker 4","startTime":420.17,"endTime":420.17,"body":"going"},{"speaker":"Speaker 4","startTime":420.22999999999996,"endTime":420.22999999999996,"body":"to"},{"speaker":"Speaker 4","startTime":420.231,"endTime":420.53,"body":"deny"},{"speaker":"Speaker 4","startTime":420.531,"endTime":420.71,"body":"any"},{"speaker":"Speaker 4","startTime":420.711,"endTime":420.8,"body":"of"},{"speaker":"Speaker 4","startTime":420.801,"endTime":420.97999999999996,"body":"those"},{"speaker":"Speaker 4","startTime":420.981,"endTime":421.28,"body":"claims"},{"speaker":"Speaker 4","startTime":421.281,"endTime":421.37,"body":"that"},{"speaker":"Speaker 4","startTime":421.371,"endTime":421.43,"body":"you"},{"speaker":"Speaker 4","startTime":421.431,"endTime":421.58,"body":"all,"},{"speaker":"Speaker 4","startTime":421.64,"endTime":421.78999999999996,"body":"that"},{"speaker":"Speaker 4","startTime":421.791,"endTime":421.88,"body":"you"},{"speaker":"Speaker 4","startTime":421.881,"endTime":422.24,"body":"told"},{"speaker":"Speaker 4","startTime":422.241,"endTime":422.53999999999996,"body":"them"},{"speaker":"Speaker 4","startTime":422.63,"endTime":422.81,"body":"that"},{"speaker":"Speaker 4","startTime":422.811,"endTime":423.05,"body":"you"},{"speaker":"Speaker 4","startTime":423.19,"endTime":423.61,"body":"probably"},{"speaker":"Speaker 4","startTime":423.611,"endTime":423.82,"body":"think"},{"speaker":"Speaker 4","startTime":423.90999999999997,"endTime":423.90999999999997,"body":"we'll"},{"speaker":"Speaker 4","startTime":423.911,"endTime":424.18,"body":"become"},{"speaker":"Speaker 4","startTime":424.181,"endTime":424.24,"body":"a"},{"speaker":"Speaker 4","startTime":424.241,"endTime":424.53999999999996,"body":"claim."},{"speaker":"Speaker 4","startTime":424.75,"endTime":424.99,"body":"That's"},{"speaker":"Speaker 4","startTime":424.991,"endTime":425.05,"body":"a"},{"speaker":"Speaker 4","startTime":425.051,"endTime":425.44,"body":"distinct"},{"speaker":"Speaker 4","startTime":425.441,"endTime":426.13,"body":"possibility."},{"speaker":"Speaker 2","startTime":426.58,"endTime":426.58,"body":"She's"},{"speaker":"Speaker 2","startTime":426.58099999999996,"endTime":426.94,"body":"exactly"},{"speaker":"Speaker 2","startTime":426.941,"endTime":427.21,"body":"right."},{"speaker":"Speaker 2","startTime":427.40999999999997,"endTime":427.40999999999997,"body":"And"},{"speaker":"Speaker 2","startTime":427.40999999999997,"endTime":427.40999999999997,"body":","},{"speaker":"Speaker 2","startTime":427.411,"endTime":427.57,"body":"and"},{"speaker":"Speaker 2","startTime":427.57099999999997,"endTime":428.05,"body":"another"},{"speaker":"Speaker 2","startTime":428.05,"endTime":428.05,"body":","},{"speaker":"Speaker 2","startTime":428.38,"endTime":428.38,"body":"um,"},{"speaker":"Speaker 2","startTime":428.44,"endTime":428.97999999999996,"body":"another"},{"speaker":"Speaker 2","startTime":429.01,"endTime":429.7,"body":"issue"},{"speaker":"Speaker 2","startTime":429.88,"endTime":430.09,"body":"that"},{"speaker":"Speaker 2","startTime":430.091,"endTime":430.18,"body":"you"},{"speaker":"Speaker 2","startTime":430.181,"endTime":430.36,"body":"can"},{"speaker":"Speaker 2","startTime":430.361,"endTime":430.57,"body":"run"},{"speaker":"Speaker 2","startTime":430.57099999999997,"endTime":431.02,"body":"into"},{"speaker":"Speaker 2","startTime":431.021,"endTime":431.22999999999996,"body":"is,"},{"speaker":"Speaker 2","startTime":431.62,"endTime":431.62,"body":"remember"},{"speaker":"Speaker 2","startTime":431.64,"endTime":431.77,"body":"if"},{"speaker":"Speaker 2","startTime":431.771,"endTime":431.92,"body":"you"},{"speaker":"Speaker 2","startTime":431.921,"endTime":432.13,"body":"buy"},{"speaker":"Speaker 2","startTime":432.131,"endTime":432.25,"body":"an"},{"speaker":"Speaker 2","startTime":432.251,"endTime":432.58,"body":"extended"},{"speaker":"Speaker 2","startTime":432.58099999999996,"endTime":433.0,"body":"reporting"},{"speaker":"Speaker 2","startTime":433.001,"endTime":433.39,"body":"period"},{"speaker":"Speaker 2","startTime":433.53999999999996,"endTime":433.53999999999996,"body":"is"},{"speaker":"Speaker 2","startTime":433.541,"endTime":433.75,"body":"for"},{"speaker":"Speaker 2","startTime":433.751,"endTime":433.81,"body":"a"},{"speaker":"Speaker 2","startTime":433.811,"endTime":434.28999999999996,"body":"finite"},{"speaker":"Speaker 2","startTime":434.291,"endTime":434.53,"body":"time"},{"speaker":"Speaker 2","startTime":434.67,"endTime":434.82,"body":"and"},{"speaker":"Speaker 2","startTime":434.82099999999997,"endTime":434.84999999999997,"body":"a"},{"speaker":"Speaker 2","startTime":434.851,"endTime":435.27,"body":"finite"},{"speaker":"Speaker 2","startTime":435.271,"endTime":435.53999999999996,"body":"limit."},{"speaker":"Speaker 2","startTime":435.541,"endTime":435.63,"body":"You"},{"speaker":"Speaker 2","startTime":435.631,"endTime":435.84,"body":"have"},{"speaker":"Speaker 2","startTime":435.841,"endTime":436.14,"body":"one"},{"speaker":"Speaker 2","startTime":436.14099999999996,"endTime":436.5,"body":"limit"},{"speaker":"Speaker 2","startTime":436.501,"endTime":436.68,"body":"for"},{"speaker":"Speaker 2","startTime":436.681,"endTime":436.86,"body":"all"},{"speaker":"Speaker 2","startTime":436.861,"endTime":436.97999999999996,"body":"the"},{"speaker":"Speaker 2","startTime":436.981,"endTime":437.31,"body":"claims"},{"speaker":"Speaker 2","startTime":437.311,"endTime":437.46,"body":"for"},{"speaker":"Speaker 2","startTime":437.461,"endTime":437.61,"body":"all"},{"speaker":"Speaker 2","startTime":437.611,"endTime":437.7,"body":"the"},{"speaker":"Speaker 2","startTime":437.70099999999996,"endTime":438.15,"body":"past"},{"speaker":"Speaker 2","startTime":438.51,"endTime":438.59999999999997,"body":"and"},{"speaker":"Speaker 2","startTime":438.601,"endTime":438.71999999999997,"body":"there's"},{"speaker":"Speaker 2","startTime":438.721,"endTime":438.87,"body":"no"},{"speaker":"Speaker 2","startTime":438.871,"endTime":439.56,"body":"renewal"},{"speaker":"Speaker 2","startTime":439.561,"endTime":439.65,"body":"of"},{"speaker":"Speaker 2","startTime":439.651,"endTime":439.83,"body":"that"},{"speaker":"Speaker 2","startTime":439.83099999999996,"endTime":440.31,"body":"policy."},{"speaker":"Speaker 2","startTime":440.311,"endTime":440.52,"body":"So"},{"speaker":"Speaker 2","startTime":440.521,"endTime":440.7,"body":"let's"},{"speaker":"Speaker 2","startTime":440.70099999999996,"endTime":440.84999999999997,"body":"say"},{"speaker":"Speaker 2","startTime":440.851,"endTime":440.96999999999997,"body":"you"},{"speaker":"Speaker 2","startTime":440.971,"endTime":441.27,"body":"buy"},{"speaker":"Speaker 2","startTime":441.271,"endTime":441.39,"body":"it"},{"speaker":"Speaker 2","startTime":441.39099999999996,"endTime":441.75,"body":"for"},{"speaker":"Speaker 2","startTime":441.751,"endTime":442.08,"body":"one"},{"speaker":"Speaker 2","startTime":442.08099999999996,"endTime":442.28999999999996,"body":"year"},{"speaker":"Speaker 2","startTime":442.46999999999997,"endTime":443.03999999999996,"body":"and"},{"speaker":"Speaker 2","startTime":443.09999999999997,"endTime":443.25,"body":"you"},{"speaker":"Speaker 2","startTime":443.251,"endTime":443.37,"body":"know,"},{"speaker":"Speaker 2","startTime":443.371,"endTime":443.55,"body":"we"},{"speaker":"Speaker 2","startTime":443.551,"endTime":443.7,"body":"go"},{"speaker":"Speaker 2","startTime":443.70099999999996,"endTime":443.90999999999997,"body":"from"},{"speaker":"Speaker 2","startTime":443.911,"endTime":444.51,"body":"May"},{"speaker":"Speaker 2","startTime":444.51,"endTime":444.51,"body":"1st"},{"speaker":"Speaker 2","startTime":444.51099999999997,"endTime":444.65999999999997,"body":"of"},{"speaker":"Speaker 2","startTime":444.87,"endTime":444.87,"body":"two"},{"speaker":"Speaker 2","startTime":445.12,"endTime":445.77,"body":"2020"},{"speaker":"Speaker 2","startTime":445.771,"endTime":445.89,"body":"to"},{"speaker":"Speaker 2","startTime":445.89099999999996,"endTime":446.4,"body":"May"},{"speaker":"Speaker 2","startTime":446.4,"endTime":446.4,"body":"1st"},{"speaker":"Speaker 2","startTime":446.401,"endTime":446.49,"body":"of"},{"speaker":"Speaker 2","startTime":446.491,"endTime":447.24,"body":"2021"},{"speaker":"Speaker 2","startTime":447.39,"endTime":447.53999999999996,"body":"the"},{"speaker":"Speaker 2","startTime":447.541,"endTime":447.96,"body":"market"},{"speaker":"Speaker 2","startTime":447.961,"endTime":448.11,"body":"has"},{"speaker":"Speaker 2","startTime":448.111,"endTime":448.44,"body":"not"},{"speaker":"Speaker 2","startTime":448.441,"endTime":449.03999999999996,"body":"changed."},{"speaker":"Speaker 2","startTime":449.041,"endTime":449.49,"body":"Everything's"},{"speaker":"Speaker 2","startTime":449.491,"endTime":449.72999999999996,"body":"kind"},{"speaker":"Speaker 2","startTime":449.731,"endTime":449.82,"body":"of"},{"speaker":"Speaker 2","startTime":449.82099999999997,"endTime":449.88,"body":"the"},{"speaker":"Speaker 2","startTime":449.881,"endTime":450.53999999999996,"body":"same"},{"speaker":"Speaker 2","startTime":450.69,"endTime":450.84,"body":"and"},{"speaker":"Speaker 2","startTime":450.99,"endTime":450.99,"body":"we"},{"speaker":"Speaker 2","startTime":450.991,"endTime":451.17,"body":"come"},{"speaker":"Speaker 2","startTime":451.171,"endTime":451.32,"body":"up"},{"speaker":"Speaker 2","startTime":451.32099999999997,"endTime":451.40999999999997,"body":"to"},{"speaker":"Speaker 2","startTime":451.411,"endTime":451.56,"body":"the"},{"speaker":"Speaker 2","startTime":451.561,"endTime":452.31,"body":"expiration"},{"speaker":"Speaker 2","startTime":452.311,"endTime":452.37,"body":"of"},{"speaker":"Speaker 2","startTime":452.371,"endTime":452.52,"body":"that"},{"speaker":"Speaker 2","startTime":452.521,"endTime":452.90999999999997,"body":"extended"},{"speaker":"Speaker 2","startTime":452.911,"endTime":453.39,"body":"reporting"},{"speaker":"Speaker 2","startTime":453.39099999999996,"endTime":453.71999999999997,"body":"period."},{"speaker":"Speaker 2","startTime":453.721,"endTime":453.81,"body":"And"},{"speaker":"Speaker 2","startTime":453.811,"endTime":453.96,"body":"let's"},{"speaker":"Speaker 2","startTime":453.961,"endTime":454.11,"body":"say"},{"speaker":"Speaker 2","startTime":454.111,"endTime":454.53,"body":"nobody's"},{"speaker":"Speaker 2","startTime":454.62,"endTime":454.89,"body":"made"},{"speaker":"Speaker 2","startTime":454.89099999999996,"endTime":454.95,"body":"a"},{"speaker":"Speaker 2","startTime":454.95099999999996,"endTime":455.28,"body":"claim"},{"speaker":"Speaker 2","startTime":455.281,"endTime":455.4,"body":"yet."},{"speaker":"Speaker 2","startTime":455.82,"endTime":456.03,"body":"Well"},{"speaker":"Speaker 2","startTime":456.031,"endTime":456.21,"body":"when"},{"speaker":"Speaker 2","startTime":456.211,"endTime":456.39,"body":"that"},{"speaker":"Speaker 2","startTime":456.39099999999996,"endTime":456.84,"body":"policy"},{"speaker":"Speaker 2","startTime":456.841,"endTime":457.44,"body":"expires,"},{"speaker":"Speaker 2","startTime":457.441,"endTime":457.68,"body":"now"},{"speaker":"Speaker 2","startTime":457.86,"endTime":457.86,"body":"you've"},{"speaker":"Speaker 2","startTime":457.861,"endTime":458.09999999999997,"body":"just"},{"speaker":"Speaker 2","startTime":458.101,"endTime":458.4,"body":"lost"},{"speaker":"Speaker 2","startTime":458.401,"endTime":458.52,"body":"all"},{"speaker":"Speaker 2","startTime":458.521,"endTime":458.67,"body":"your"},{"speaker":"Speaker 2","startTime":458.671,"endTime":459.09,"body":"retro"},{"speaker":"Speaker 2","startTime":459.091,"endTime":459.78,"body":"coverage."},{"speaker":"Speaker 2","startTime":460.11,"endTime":460.11,"body":"The"},{"speaker":"Speaker 2","startTime":460.13,"endTime":460.49,"body":"for"},{"speaker":"Speaker 2","startTime":460.53,"endTime":460.71,"body":"what"},{"speaker":"Speaker 2","startTime":460.711,"endTime":460.83,"body":"you"},{"speaker":"Speaker 2","startTime":460.83099999999996,"endTime":461.15999999999997,"body":"bought"},{"speaker":"Speaker 2","startTime":461.161,"endTime":461.31,"body":"that"},{"speaker":"Speaker 2","startTime":461.311,"endTime":461.64,"body":"extended"},{"speaker":"Speaker 2","startTime":461.64099999999996,"endTime":461.96999999999997,"body":"reporting"},{"speaker":"Speaker 2","startTime":461.971,"endTime":462.3,"body":"period"},{"speaker":"Speaker 2","startTime":462.53999999999996,"endTime":462.53999999999996,"body":"for"},{"speaker":"Speaker 2","startTime":462.53999999999996,"endTime":462.53999999999996,"body":"."},{"speaker":"Speaker 2","startTime":462.65999999999997,"endTime":462.87,"body":"So"},{"speaker":"Speaker 2","startTime":462.871,"endTime":463.11,"body":"let's"},{"speaker":"Speaker 2","startTime":463.111,"endTime":463.22999999999996,"body":"say"},{"speaker":"Speaker 2","startTime":463.231,"endTime":463.32,"body":"a"},{"speaker":"Speaker 2","startTime":463.32099999999997,"endTime":463.65,"body":"claim"},{"speaker":"Speaker 2","startTime":463.651,"endTime":463.83,"body":"is"},{"speaker":"Speaker 2","startTime":463.95,"endTime":464.19,"body":"put"},{"speaker":"Speaker 2","startTime":464.191,"endTime":464.43,"body":"in"},{"speaker":"Speaker 2","startTime":464.64,"endTime":464.82,"body":"two"},{"speaker":"Speaker 2","startTime":464.82099999999997,"endTime":465.12,"body":"months"},{"speaker":"Speaker 2","startTime":465.15,"endTime":465.45,"body":"after"},{"speaker":"Speaker 2","startTime":465.45099999999996,"endTime":465.57,"body":"the"},{"speaker":"Speaker 2","startTime":465.57099999999997,"endTime":465.93,"body":"extended"},{"speaker":"Speaker 2","startTime":465.931,"endTime":466.32,"body":"reporting"},{"speaker":"Speaker 2","startTime":466.32099999999997,"endTime":466.77,"body":"period"},{"speaker":"Speaker 2","startTime":466.97999999999996,"endTime":467.88,"body":"expires"},{"speaker":"Speaker 2","startTime":468.18,"endTime":468.36,"body":"and"},{"speaker":"Speaker 2","startTime":468.361,"endTime":468.42,"body":"the"},{"speaker":"Speaker 2","startTime":468.421,"endTime":468.87,"body":"market"},{"speaker":"Speaker 2","startTime":468.871,"endTime":469.17,"body":"hasn't"},{"speaker":"Speaker 2","startTime":469.171,"endTime":469.5,"body":"changed"},{"speaker":"Speaker 2","startTime":469.501,"endTime":469.71,"body":"enough"},{"speaker":"Speaker 2","startTime":469.711,"endTime":469.83,"body":"to"},{"speaker":"Speaker 2","startTime":469.83099999999996,"endTime":469.97999999999996,"body":"where"},{"speaker":"Speaker 2","startTime":469.981,"endTime":470.13,"body":"we"},{"speaker":"Speaker 2","startTime":470.31,"endTime":470.31,"body":"can"},{"speaker":"Speaker 2","startTime":470.311,"endTime":470.61,"body":"fix"},{"speaker":"Speaker 2","startTime":470.611,"endTime":470.82,"body":"that"},{"speaker":"Speaker 2","startTime":470.82099999999997,"endTime":471.3,"body":"upon"},{"speaker":"Speaker 2","startTime":471.42,"endTime":472.26,"body":"renewal."},{"speaker":"Speaker 2","startTime":472.38,"endTime":472.59,"body":"You"},{"speaker":"Speaker 2","startTime":472.591,"endTime":472.77,"body":"just,"},{"speaker":"Speaker 2","startTime":472.89,"endTime":473.03999999999996,"body":"you"},{"speaker":"Speaker 2","startTime":473.041,"endTime":473.25,"body":"don't"},{"speaker":"Speaker 2","startTime":473.251,"endTime":473.46,"body":"have"},{"speaker":"Speaker 2","startTime":473.461,"endTime":473.64,"body":"any"},{"speaker":"Speaker 2","startTime":473.64099999999996,"endTime":474.09,"body":"coverage"},{"speaker":"Speaker 2","startTime":474.12,"endTime":474.24,"body":"for"},{"speaker":"Speaker 2","startTime":474.241,"endTime":474.36,"body":"your"},{"speaker":"Speaker 2","startTime":474.361,"endTime":474.81,"body":"prior"},{"speaker":"Speaker 2","startTime":475.05,"endTime":475.05,"body":"acts"},{"speaker":"Speaker 2","startTime":475.05,"endTime":475.05,"body":"."},{"speaker":"Speaker 2","startTime":475.5,"endTime":475.89,"body":"So"},{"speaker":"Speaker 2","startTime":476.03999999999996,"endTime":476.28,"body":"it's"},{"speaker":"Speaker 2","startTime":476.281,"endTime":476.34,"body":"a"},{"speaker":"Speaker 2","startTime":476.341,"endTime":477.03,"body":"strategy"},{"speaker":"Speaker 2","startTime":477.031,"endTime":477.21,"body":"that"},{"speaker":"Speaker 2","startTime":477.211,"endTime":477.36,"body":"can"},{"speaker":"Speaker 2","startTime":477.361,"endTime":477.51,"body":"be"},{"speaker":"Speaker 2","startTime":477.51099999999997,"endTime":478.2,"body":"employed."},{"speaker":"Speaker 2","startTime":478.65,"endTime":478.65,"body":"Um,"},{"speaker":"Speaker 2","startTime":478.68,"endTime":478.89,"body":"it's"},{"speaker":"Speaker 2","startTime":478.89099999999996,"endTime":479.61,"body":"expensive."},{"speaker":"Speaker 2","startTime":479.82,"endTime":480.47999999999996,"body":"It"},{"speaker":"Speaker 2","startTime":480.481,"endTime":480.93,"body":"can"},{"speaker":"Speaker 2","startTime":480.931,"endTime":481.05,"body":"be"},{"speaker":"Speaker 2","startTime":481.051,"endTime":481.59,"body":"dangerous"},{"speaker":"Speaker 2","startTime":481.591,"endTime":481.92,"body":"because"},{"speaker":"Speaker 2","startTime":481.921,"endTime":482.01,"body":"if"},{"speaker":"Speaker 2","startTime":482.01099999999997,"endTime":482.13,"body":"you"},{"speaker":"Speaker 2","startTime":482.131,"endTime":482.34,"body":"only"},{"speaker":"Speaker 2","startTime":482.341,"endTime":482.49,"body":"put"},{"speaker":"Speaker 2","startTime":482.491,"endTime":482.58,"body":"it"},{"speaker":"Speaker 2","startTime":482.58099999999996,"endTime":482.7,"body":"in"},{"speaker":"Speaker 2","startTime":482.70099999999996,"endTime":482.82,"body":"for"},{"speaker":"Speaker 2","startTime":482.82099999999997,"endTime":483.0,"body":"one"},{"speaker":"Speaker 2","startTime":483.001,"endTime":483.09,"body":"or"},{"speaker":"Speaker 2","startTime":483.091,"endTime":483.39,"body":"two,"},{"speaker":"Speaker 2","startTime":483.45,"endTime":483.63,"body":"one"},{"speaker":"Speaker 2","startTime":483.631,"endTime":483.75,"body":"or"},{"speaker":"Speaker 2","startTime":483.751,"endTime":483.99,"body":"one"},{"speaker":"Speaker 2","startTime":483.991,"endTime":484.40999999999997,"body":"year,"},{"speaker":"Speaker 2","startTime":484.56,"endTime":484.71,"body":"you"},{"speaker":"Speaker 2","startTime":484.711,"endTime":484.8,"body":"can"},{"speaker":"Speaker 2","startTime":484.801,"endTime":484.95,"body":"put"},{"speaker":"Speaker 2","startTime":484.95099999999996,"endTime":485.01,"body":"it"},{"speaker":"Speaker 2","startTime":485.01099999999997,"endTime":485.07,"body":"in"},{"speaker":"Speaker 2","startTime":485.07099999999997,"endTime":485.19,"body":"for"},{"speaker":"Speaker 2","startTime":485.191,"endTime":485.37,"body":"two"},{"speaker":"Speaker 2","startTime":485.371,"endTime":485.49,"body":"or"},{"speaker":"Speaker 2","startTime":485.491,"endTime":486.06,"body":"three"},{"speaker":"Speaker 2","startTime":486.061,"endTime":486.32,"body":"and,"},{"speaker":"Speaker 2","startTime":486.45,"endTime":486.45,"body":"and"},{"speaker":"Speaker 2","startTime":486.45099999999996,"endTime":486.78,"body":"improve"},{"speaker":"Speaker 2","startTime":486.781,"endTime":486.9,"body":"your"},{"speaker":"Speaker 2","startTime":486.901,"endTime":487.38,"body":"chances."},{"speaker":"Speaker 2","startTime":487.381,"endTime":487.5,"body":"But"},{"speaker":"Speaker 2","startTime":487.501,"endTime":487.71,"body":"again,"},{"speaker":"Speaker 2","startTime":487.711,"endTime":487.77,"body":"the"},{"speaker":"Speaker 2","startTime":487.771,"endTime":488.07,"body":"cost"},{"speaker":"Speaker 2","startTime":488.07099999999997,"endTime":488.28,"body":"goes"},{"speaker":"Speaker 2","startTime":488.281,"endTime":488.46,"body":"up"},{"speaker":"Speaker 2","startTime":488.461,"endTime":488.55,"body":"at"},{"speaker":"Speaker 2","startTime":488.551,"endTime":488.7,"body":"two"},{"speaker":"Speaker 2","startTime":488.70099999999996,"endTime":488.78999999999996,"body":"and"},{"speaker":"Speaker 2","startTime":488.791,"endTime":489.0,"body":"three."},{"speaker":"Speaker 2","startTime":489.59999999999997,"endTime":489.81,"body":"What's"},{"speaker":"Speaker 2","startTime":489.811,"endTime":489.9,"body":"the"},{"speaker":"Speaker 2","startTime":489.901,"endTime":490.17,"body":"best"},{"speaker":"Speaker 2","startTime":490.171,"endTime":490.32,"body":"way"},{"speaker":"Speaker 2","startTime":490.32099999999997,"endTime":490.5,"body":"for"},{"speaker":"Speaker 2","startTime":490.501,"endTime":490.56,"body":"a"},{"speaker":"Speaker 2","startTime":490.561,"endTime":490.92,"body":"retail"},{"speaker":"Speaker 2","startTime":490.921,"endTime":491.28,"body":"agent"},{"speaker":"Speaker 2","startTime":491.281,"endTime":491.4,"body":"to"},{"speaker":"Speaker 2","startTime":491.401,"endTime":491.94,"body":"proceed?"},{"speaker":"Speaker 2","startTime":491.941,"endTime":492.06,"body":"If"},{"speaker":"Speaker 2","startTime":492.061,"endTime":492.42,"body":"they're"},{"speaker":"Speaker 2","startTime":492.47999999999996,"endTime":492.96,"body":"interested"},{"speaker":"Speaker 2","startTime":492.961,"endTime":493.02,"body":"in"},{"speaker":"Speaker 2","startTime":493.021,"endTime":493.26,"body":"this"},{"speaker":"Speaker 2","startTime":493.26099999999997,"endTime":493.38,"body":"and"},{"speaker":"Speaker 2","startTime":493.381,"endTime":493.44,"body":"they"},{"speaker":"Speaker 2","startTime":493.441,"endTime":493.71,"body":"think"},{"speaker":"Speaker 2","startTime":493.711,"endTime":493.83,"body":"that"},{"speaker":"Speaker 2","startTime":493.83099999999996,"endTime":493.95,"body":"it"},{"speaker":"Speaker 2","startTime":493.95099999999996,"endTime":494.21999999999997,"body":"might"},{"speaker":"Speaker 2","startTime":494.221,"endTime":494.34,"body":"be"},{"speaker":"Speaker 2","startTime":494.341,"endTime":494.43,"body":"an"},{"speaker":"Speaker 2","startTime":494.431,"endTime":494.82,"body":"option"},{"speaker":"Speaker 2","startTime":494.82099999999997,"endTime":495.0,"body":"for"},{"speaker":"Speaker 2","startTime":495.001,"endTime":495.18,"body":"them,"},{"speaker":"Speaker 4","startTime":495.34999999999997,"endTime":495.8,"body":"contact"},{"speaker":"Speaker 4","startTime":495.801,"endTime":495.89,"body":"your"},{"speaker":"Speaker 4","startTime":495.89099999999996,"endTime":496.37,"body":"CRC"},{"speaker":"Speaker 4","startTime":496.371,"endTime":496.84999999999997,"body":"broker"},{"speaker":"Speaker 4","startTime":497.47999999999996,"endTime":497.47999999999996,"body":"so"},{"speaker":"Speaker 4","startTime":497.481,"endTime":497.57,"body":"we"},{"speaker":"Speaker 4","startTime":497.57099999999997,"endTime":497.69,"body":"can"},{"speaker":"Speaker 4","startTime":497.691,"endTime":497.93,"body":"help"},{"speaker":"Speaker 4","startTime":497.931,"endTime":498.17,"body":"them."},{"speaker":"Speaker 4","startTime":498.44,"endTime":498.65,"body":"Help"},{"speaker":"Speaker 4","startTime":498.651,"endTime":498.74,"body":"the"},{"speaker":"Speaker 4","startTime":498.741,"endTime":499.13,"body":"retailer"},{"speaker":"Speaker 4","startTime":499.131,"endTime":499.82,"body":"negotiate"},{"speaker":"Speaker 4","startTime":499.82,"endTime":499.82,"body":","},{"speaker":"Speaker 4","startTime":500.45,"endTime":500.45,"body":"uh"},{"speaker":"Speaker 4","startTime":500.45,"endTime":500.45,"body":","},{"speaker":"Speaker 4","startTime":501.02,"endTime":501.17,"body":"the"},{"speaker":"Speaker 4","startTime":501.171,"endTime":501.53,"body":"length"},{"speaker":"Speaker 4","startTime":501.531,"endTime":501.62,"body":"of"},{"speaker":"Speaker 4","startTime":501.621,"endTime":501.68,"body":"a"},{"speaker":"Speaker 4","startTime":502.21999999999997,"endTime":502.21999999999997,"body":"tail"},{"speaker":"Speaker 4","startTime":502.21999999999997,"endTime":502.21999999999997,"body":"."},{"speaker":"Speaker 4","startTime":502.28,"endTime":502.43,"body":"Well,"},{"speaker":"Speaker 4","startTime":502.431,"endTime":502.67,"body":"first"},{"speaker":"Speaker 4","startTime":502.671,"endTime":502.72999999999996,"body":"of"},{"speaker":"Speaker 4","startTime":502.731,"endTime":502.84999999999997,"body":"all,"},{"speaker":"Speaker 4","startTime":502.94,"endTime":502.94,"body":"do"},{"speaker":"Speaker 4","startTime":503.15,"endTime":503.15,"body":"you"},{"speaker":"Speaker 4","startTime":503.15,"endTime":503.15,"body":","},{"speaker":"Speaker 4","startTime":503.21,"endTime":503.36,"body":"do"},{"speaker":"Speaker 4","startTime":503.361,"endTime":503.45,"body":"you"},{"speaker":"Speaker 4","startTime":503.45099999999996,"endTime":503.71999999999997,"body":"want"},{"speaker":"Speaker 4","startTime":503.721,"endTime":504.05,"body":"one?"},{"speaker":"Speaker 4","startTime":504.28999999999996,"endTime":504.46999999999997,"body":"Is"},{"speaker":"Speaker 4","startTime":504.471,"endTime":504.56,"body":"it"},{"speaker":"Speaker 4","startTime":504.561,"endTime":504.65,"body":"in"},{"speaker":"Speaker 4","startTime":504.651,"endTime":504.74,"body":"the"},{"speaker":"Speaker 4","startTime":504.741,"endTime":505.01,"body":"best"},{"speaker":"Speaker 4","startTime":505.01099999999997,"endTime":505.34,"body":"interest"},{"speaker":"Speaker 4","startTime":505.341,"endTime":505.43,"body":"of"},{"speaker":"Speaker 4","startTime":505.431,"endTime":505.58,"body":"your"},{"speaker":"Speaker 4","startTime":505.58099999999996,"endTime":506.15,"body":"insured?"},{"speaker":"Speaker 4","startTime":506.33,"endTime":506.9,"body":"Negotiate"},{"speaker":"Speaker 4","startTime":506.901,"endTime":506.99,"body":"the"},{"speaker":"Speaker 4","startTime":506.991,"endTime":507.32,"body":"price"},{"speaker":"Speaker 4","startTime":507.32099999999997,"endTime":507.40999999999997,"body":"of"},{"speaker":"Speaker 4","startTime":507.411,"endTime":507.5,"body":"the"},{"speaker":"Speaker 4","startTime":507.77,"endTime":507.77,"body":"tail"},{"speaker":"Speaker 4","startTime":507.771,"endTime":507.89,"body":"and"},{"speaker":"Speaker 4","startTime":507.89099999999996,"endTime":507.95,"body":"the"},{"speaker":"Speaker 4","startTime":507.95099999999996,"endTime":508.21999999999997,"body":"length"},{"speaker":"Speaker 4","startTime":508.221,"endTime":508.31,"body":"of"},{"speaker":"Speaker 4","startTime":508.311,"endTime":508.43,"body":"the"},{"speaker":"Speaker 4","startTime":508.431,"endTime":508.67,"body":"tail."},{"speaker":"Speaker 4","startTime":508.671,"endTime":508.88,"body":"Just"},{"speaker":"Speaker 4","startTime":508.881,"endTime":509.18,"body":"because"},{"speaker":"Speaker 4","startTime":509.181,"endTime":509.24,"body":"a"},{"speaker":"Speaker 4","startTime":509.241,"endTime":509.84,"body":"policy"},{"speaker":"Speaker 4","startTime":509.841,"endTime":510.14,"body":"is"},{"speaker":"Speaker 4","startTime":510.44,"endTime":510.77,"body":"issued"},{"speaker":"Speaker 4","startTime":510.771,"endTime":511.21999999999997,"body":"stating"},{"speaker":"Speaker 4","startTime":511.43,"endTime":511.72999999999996,"body":"one,"},{"speaker":"Speaker 4","startTime":511.731,"endTime":511.88,"body":"two,"},{"speaker":"Speaker 4","startTime":511.881,"endTime":512.03,"body":"and"},{"speaker":"Speaker 4","startTime":512.0310000000001,"endTime":512.27,"body":"three"},{"speaker":"Speaker 4","startTime":512.2710000000001,"endTime":512.57,"body":"years"},{"speaker":"Speaker 4","startTime":512.571,"endTime":512.72,"body":"at"},{"speaker":"Speaker 4","startTime":512.721,"endTime":512.78,"body":"a"},{"speaker":"Speaker 4","startTime":512.7810000000001,"endTime":513.08,"body":"hundred"},{"speaker":"Speaker 4","startTime":513.081,"endTime":513.53,"body":"percent,"},{"speaker":"Speaker 4","startTime":513.5310000000001,"endTime":513.71,"body":"one"},{"speaker":"Speaker 4","startTime":513.711,"endTime":514.25,"body":"25"},{"speaker":"Speaker 4","startTime":514.251,"endTime":514.34,"body":"and"},{"speaker":"Speaker 4","startTime":514.341,"endTime":514.49,"body":"one"},{"speaker":"Speaker 4","startTime":514.491,"endTime":514.91,"body":"50."},{"speaker":"Speaker 4","startTime":515.6,"endTime":515.6,"body":"Uh"},{"speaker":"Speaker 4","startTime":515.6,"endTime":515.6,"body":","},{"speaker":"Speaker 4","startTime":515.61,"endTime":515.78,"body":"in"},{"speaker":"Speaker 4","startTime":515.7810000000001,"endTime":515.99,"body":"most"},{"speaker":"Speaker 4","startTime":515.991,"endTime":516.29,"body":"cases"},{"speaker":"Speaker 4","startTime":516.291,"endTime":516.38,"body":"you"},{"speaker":"Speaker 4","startTime":516.381,"endTime":516.53,"body":"can"},{"speaker":"Speaker 4","startTime":516.5310000000001,"endTime":517.07,"body":"negotiate"},{"speaker":"Speaker 4","startTime":517.071,"endTime":517.19,"body":"up"},{"speaker":"Speaker 4","startTime":517.25,"endTime":517.4,"body":"to,"},{"speaker":"Speaker 4","startTime":517.52,"endTime":517.52,"body":"you"},{"speaker":"Speaker 4","startTime":517.61,"endTime":517.61,"body":"know"},{"speaker":"Speaker 4","startTime":517.61,"endTime":517.61,"body":","},{"speaker":"Speaker 4","startTime":517.611,"endTime":517.85,"body":"more"},{"speaker":"Speaker 4","startTime":517.851,"endTime":518.0,"body":"than"},{"speaker":"Speaker 4","startTime":518.001,"endTime":518.24,"body":"three"},{"speaker":"Speaker 4","startTime":518.241,"endTime":518.57,"body":"years"},{"speaker":"Speaker 4","startTime":518.571,"endTime":518.8100000000001,"body":"and"},{"speaker":"Speaker 4","startTime":518.811,"endTime":518.9300000000001,"body":"you"},{"speaker":"Speaker 4","startTime":518.931,"endTime":519.11,"body":"can"},{"speaker":"Speaker 4","startTime":519.111,"endTime":519.62,"body":"negotiate"},{"speaker":"Speaker 4","startTime":519.621,"endTime":519.71,"body":"the"},{"speaker":"Speaker 4","startTime":519.711,"endTime":520.01,"body":"price"},{"speaker":"Speaker 4","startTime":520.011,"endTime":520.16,"body":"on"},{"speaker":"Speaker 4","startTime":520.1610000000001,"endTime":520.4,"body":"some"},{"speaker":"Speaker 4","startTime":520.94,"endTime":521.12,"body":"as"},{"speaker":"Speaker 4","startTime":521.121,"endTime":521.39,"body":"well."},{"speaker":"Speaker 4","startTime":521.391,"endTime":521.57,"body":"So"},{"speaker":"Speaker 4","startTime":521.82,"endTime":521.82,"body":"you"},{"speaker":"Speaker 4","startTime":521.82,"endTime":521.82,"body":","},{"speaker":"Speaker 4","startTime":521.821,"endTime":521.99,"body":"you"},{"speaker":"Speaker 4","startTime":521.991,"endTime":522.23,"body":"really"},{"speaker":"Speaker 4","startTime":522.231,"endTime":522.41,"body":"need"},{"speaker":"Speaker 4","startTime":522.4110000000001,"endTime":522.44,"body":"a"},{"speaker":"Speaker 4","startTime":522.89,"endTime":522.89,"body":"CRC"},{"speaker":"Speaker 4","startTime":522.891,"endTime":523.19,"body":"broker"},{"speaker":"Speaker 4","startTime":523.191,"endTime":523.25,"body":"to"},{"speaker":"Speaker 4","startTime":523.251,"endTime":523.46,"body":"help"},{"speaker":"Speaker 4","startTime":523.461,"endTime":523.73,"body":"you"},{"speaker":"Speaker 4","startTime":523.88,"endTime":524.12,"body":"work"},{"speaker":"Speaker 4","startTime":524.121,"endTime":524.21,"body":"your"},{"speaker":"Speaker 4","startTime":524.211,"endTime":524.33,"body":"way"},{"speaker":"Speaker 4","startTime":524.331,"endTime":524.54,"body":"through"},{"speaker":"Speaker 4","startTime":524.541,"endTime":524.72,"body":"that."},{"speaker":"Speaker 4","startTime":524.721,"endTime":525.08,"body":"And"},{"speaker":"Speaker 4","startTime":525.081,"endTime":525.1700000000001,"body":"the"},{"speaker":"Speaker 4","startTime":525.171,"endTime":525.6800000000001,"body":"specific"},{"speaker":"Speaker 4","startTime":525.681,"endTime":526.01,"body":"wording"},{"speaker":"Speaker 4","startTime":526.011,"endTime":526.13,"body":"on"},{"speaker":"Speaker 4","startTime":526.131,"endTime":526.22,"body":"the"},{"speaker":"Speaker 4","startTime":526.221,"endTime":526.58,"body":"extended"},{"speaker":"Speaker 4","startTime":526.581,"endTime":527.0,"body":"reporting"},{"speaker":"Speaker 4","startTime":527.001,"endTime":527.33,"body":"period,"},{"speaker":"Speaker 4","startTime":527.6700000000001,"endTime":527.6700000000001,"body":"is"},{"speaker":"Speaker 4","startTime":527.671,"endTime":527.79,"body":"it"},{"speaker":"Speaker 4","startTime":527.791,"endTime":528.15,"body":"indeed"},{"speaker":"Speaker 4","startTime":528.1510000000001,"endTime":528.87,"body":"available?"},{"speaker":"Speaker 4","startTime":529.0500000000001,"endTime":529.35,"body":"They"},{"speaker":"Speaker 4","startTime":529.351,"endTime":529.59,"body":"all"},{"speaker":"Speaker 4","startTime":529.591,"endTime":529.6800000000001,"body":"are"},{"speaker":"Speaker 4","startTime":529.681,"endTime":529.86,"body":"not"},{"speaker":"Speaker 4","startTime":529.861,"endTime":530.46,"body":"available."},{"speaker":"Speaker 2","startTime":530.5600000000001,"endTime":530.71,"body":"The"},{"speaker":"Speaker 2","startTime":530.711,"endTime":531.19,"body":"professional"},{"speaker":"Speaker 2","startTime":531.191,"endTime":531.61,"body":"liability"},{"speaker":"Speaker 2","startTime":531.611,"endTime":532.12,"body":"policies,"},{"speaker":"Speaker 2","startTime":532.36,"endTime":532.36,"body":"they"},{"speaker":"Speaker 2","startTime":532.36,"endTime":532.36,"body":","},{"speaker":"Speaker 2","startTime":532.361,"endTime":532.63,"body":"they're"},{"speaker":"Speaker 2","startTime":532.631,"endTime":532.9,"body":"all"},{"speaker":"Speaker 2","startTime":532.9010000000001,"endTime":533.44,"body":"written,"},{"speaker":"Speaker 2","startTime":533.75,"endTime":533.98,"body":"they"},{"speaker":"Speaker 2","startTime":533.981,"endTime":534.13,"body":"all"},{"speaker":"Speaker 2","startTime":534.131,"endTime":534.4300000000001,"body":"follow"},{"speaker":"Speaker 2","startTime":534.431,"endTime":534.5200000000001,"body":"the"},{"speaker":"Speaker 2","startTime":534.5210000000001,"endTime":534.7,"body":"same"},{"speaker":"Speaker 2","startTime":534.701,"endTime":535.36,"body":"spirit"},{"speaker":"Speaker 2","startTime":535.45,"endTime":535.9300000000001,"body":"of"},{"speaker":"Speaker 2","startTime":535.9300000000001,"endTime":535.9300000000001,"body":","},{"speaker":"Speaker 2","startTime":536.4100000000001,"endTime":536.4100000000001,"body":"um,"},{"speaker":"Speaker 2","startTime":536.47,"endTime":536.62,"body":"of"},{"speaker":"Speaker 2","startTime":536.6210000000001,"endTime":536.6800000000001,"body":"a"},{"speaker":"Speaker 2","startTime":536.681,"endTime":537.4000000000001,"body":"concept,"},{"speaker":"Speaker 2","startTime":537.4010000000001,"endTime":537.5200000000001,"body":"but"},{"speaker":"Speaker 2","startTime":537.5210000000001,"endTime":537.61,"body":"they're"},{"speaker":"Speaker 2","startTime":537.611,"endTime":537.88,"body":"written"},{"speaker":"Speaker 2","startTime":537.8810000000001,"endTime":538.33,"body":"differently."},{"speaker":"Speaker 2","startTime":538.331,"endTime":538.69,"body":"So"},{"speaker":"Speaker 2","startTime":539.08,"endTime":539.23,"body":"when"},{"speaker":"Speaker 2","startTime":539.47,"endTime":539.47,"body":"Linda"},{"speaker":"Speaker 2","startTime":539.471,"endTime":539.8000000000001,"body":"touches"},{"speaker":"Speaker 2","startTime":539.801,"endTime":540.0400000000001,"body":"on,"},{"speaker":"Speaker 2","startTime":540.041,"endTime":540.13,"body":"you"},{"speaker":"Speaker 2","startTime":540.1310000000001,"endTime":540.19,"body":"know,"},{"speaker":"Speaker 2","startTime":540.191,"endTime":540.3100000000001,"body":"the"},{"speaker":"Speaker 2","startTime":540.6400000000001,"endTime":540.6400000000001,"body":"wording"},{"speaker":"Speaker 2","startTime":540.73,"endTime":540.73,"body":"is"},{"speaker":"Speaker 2","startTime":540.731,"endTime":541.1800000000001,"body":"different."},{"speaker":"Speaker 2","startTime":541.24,"endTime":541.4200000000001,"body":"You"},{"speaker":"Speaker 2","startTime":541.75,"endTime":541.75,"body":"mean"},{"speaker":"Speaker 2","startTime":541.76,"endTime":541.99,"body":"that"},{"speaker":"Speaker 2","startTime":541.9910000000001,"endTime":542.5,"body":"person"},{"speaker":"Speaker 2","startTime":542.5010000000001,"endTime":542.6800000000001,"body":"that"},{"speaker":"Speaker 2","startTime":542.681,"endTime":543.4000000000001,"body":"understands"},{"speaker":"Speaker 2","startTime":543.4010000000001,"endTime":543.49,"body":"the"},{"speaker":"Speaker 2","startTime":543.4910000000001,"endTime":543.85,"body":"language"},{"speaker":"Speaker 2","startTime":543.851,"endTime":544.0,"body":"to"},{"speaker":"Speaker 2","startTime":544.0010000000001,"endTime":544.09,"body":"be"},{"speaker":"Speaker 2","startTime":544.091,"endTime":544.24,"body":"able"},{"speaker":"Speaker 2","startTime":544.2410000000001,"endTime":544.33,"body":"to"},{"speaker":"Speaker 2","startTime":544.331,"endTime":544.5400000000001,"body":"help"},{"speaker":"Speaker 2","startTime":544.541,"endTime":544.63,"body":"you"},{"speaker":"Speaker 2","startTime":544.6310000000001,"endTime":545.1700000000001,"body":"negotiate"},{"speaker":"Speaker 2","startTime":545.171,"endTime":545.38,"body":"through"},{"speaker":"Speaker 2","startTime":545.3810000000001,"endTime":545.62,"body":"that."},{"speaker":"Speaker 2","startTime":545.74,"endTime":546.4000000000001,"body":"Secondarily,"},{"speaker":"Speaker 2","startTime":546.4010000000001,"endTime":546.46,"body":"I"},{"speaker":"Speaker 2","startTime":546.461,"endTime":546.6400000000001,"body":"would"},{"speaker":"Speaker 2","startTime":546.6410000000001,"endTime":547.09,"body":"say,"},{"speaker":"Speaker 2","startTime":547.36,"endTime":547.48,"body":"you"},{"speaker":"Speaker 2","startTime":547.481,"endTime":547.63,"body":"know,"},{"speaker":"Speaker 2","startTime":547.6310000000001,"endTime":547.84,"body":"with"},{"speaker":"Speaker 2","startTime":547.841,"endTime":548.1700000000001,"body":"your,"},{"speaker":"Speaker 2","startTime":548.2,"endTime":548.4100000000001,"body":"with"},{"speaker":"Speaker 2","startTime":548.4110000000001,"endTime":548.8900000000001,"body":"your"},{"speaker":"Speaker 2","startTime":548.8900000000001,"endTime":548.8900000000001,"body":","},{"speaker":"Speaker 2","startTime":549.19,"endTime":549.19,"body":"uh"},{"speaker":"Speaker 2","startTime":549.19,"endTime":549.19,"body":","},{"speaker":"Speaker 2","startTime":549.3100000000001,"endTime":549.82,"body":"CRC"},{"speaker":"Speaker 2","startTime":549.821,"endTime":550.24,"body":"broker,"},{"speaker":"Speaker 2","startTime":550.2410000000001,"endTime":550.4200000000001,"body":"we"},{"speaker":"Speaker 2","startTime":550.421,"endTime":550.6,"body":"can"},{"speaker":"Speaker 2","startTime":550.63,"endTime":551.08,"body":"also"},{"speaker":"Speaker 2","startTime":551.081,"endTime":551.71,"body":"access"},{"speaker":"Speaker 2","startTime":552.19,"endTime":552.2800000000001,"body":"a"},{"speaker":"Speaker 2","startTime":552.2810000000001,"endTime":552.7,"body":"large"},{"speaker":"Speaker 2","startTime":552.701,"endTime":553.4200000000001,"body":"marketplace"},{"speaker":"Speaker 2","startTime":553.421,"endTime":553.5400000000001,"body":"to"},{"speaker":"Speaker 2","startTime":553.541,"endTime":553.72,"body":"make"},{"speaker":"Speaker 2","startTime":553.721,"endTime":553.99,"body":"sure"},{"speaker":"Speaker 2","startTime":553.9910000000001,"endTime":554.1400000000001,"body":"that"},{"speaker":"Speaker 2","startTime":554.1410000000001,"endTime":554.26,"body":"we"},{"speaker":"Speaker 2","startTime":554.2610000000001,"endTime":554.62,"body":"do"},{"speaker":"Speaker 2","startTime":554.83,"endTime":555.0200000000001,"body":"that."},{"speaker":"Speaker 2","startTime":555.0210000000001,"endTime":555.1700000000001,"body":"We"},{"speaker":"Speaker 2","startTime":555.171,"endTime":555.44,"body":"vet"},{"speaker":"Speaker 2","startTime":555.441,"endTime":555.5300000000001,"body":"the"},{"speaker":"Speaker 2","startTime":555.5310000000001,"endTime":556.01,"body":"marketplace"},{"speaker":"Speaker 2","startTime":556.0110000000001,"endTime":556.1,"body":"and"},{"speaker":"Speaker 2","startTime":556.101,"endTime":556.25,"body":"make"},{"speaker":"Speaker 2","startTime":556.2510000000001,"endTime":556.46,"body":"sure"},{"speaker":"Speaker 2","startTime":556.461,"endTime":556.6700000000001,"body":"that,"},{"speaker":"Speaker 2","startTime":556.82,"endTime":557.0,"body":"that"},{"speaker":"Speaker 2","startTime":557.1500000000001,"endTime":557.1500000000001,"body":"it's"},{"speaker":"Speaker 2","startTime":557.1510000000001,"endTime":557.5400000000001,"body":"not"},{"speaker":"Speaker 2","startTime":557.8100000000001,"endTime":558.5,"body":"replaceable."},{"speaker":"Speaker 2","startTime":558.5010000000001,"endTime":558.59,"body":"You"},{"speaker":"Speaker 2","startTime":558.591,"endTime":558.6800000000001,"body":"know,"},{"speaker":"Speaker 2","startTime":558.681,"endTime":558.83,"body":"there"},{"speaker":"Speaker 2","startTime":558.831,"endTime":559.0400000000001,"body":"may"},{"speaker":"Speaker 2","startTime":559.041,"endTime":559.4300000000001,"body":"be"},{"speaker":"Speaker 2","startTime":559.6400000000001,"endTime":559.7900000000001,"body":"an"},{"speaker":"Speaker 2","startTime":559.791,"endTime":560.1800000000001,"body":"area"},{"speaker":"Speaker 2","startTime":560.181,"endTime":560.36,"body":"where"},{"speaker":"Speaker 2","startTime":560.361,"endTime":560.57,"body":"you've"},{"speaker":"Speaker 2","startTime":560.571,"endTime":560.72,"body":"got"},{"speaker":"Speaker 2","startTime":560.721,"endTime":560.75,"body":"a"},{"speaker":"Speaker 2","startTime":560.7510000000001,"endTime":561.26,"body":"particular"},{"speaker":"Speaker 2","startTime":561.2610000000001,"endTime":561.62,"body":"company"},{"speaker":"Speaker 2","startTime":561.8000000000001,"endTime":561.8000000000001,"body":"that's"},{"speaker":"Speaker 2","startTime":561.801,"endTime":562.07,"body":"taking"},{"speaker":"Speaker 2","startTime":562.071,"endTime":562.1600000000001,"body":"a"},{"speaker":"Speaker 2","startTime":562.1610000000001,"endTime":562.49,"body":"hard"},{"speaker":"Speaker 2","startTime":562.4910000000001,"endTime":563.0,"body":"stance"},{"speaker":"Speaker 2","startTime":563.36,"endTime":563.84,"body":"on"},{"speaker":"Speaker 2","startTime":563.96,"endTime":564.74,"body":"manufacturers"},{"speaker":"Speaker 2","startTime":564.7410000000001,"endTime":564.86,"body":"for"},{"speaker":"Speaker 2","startTime":564.861,"endTime":565.3100000000001,"body":"example,"},{"speaker":"Speaker 2","startTime":565.311,"endTime":565.6700000000001,"body":"or"},{"speaker":"Speaker 2","startTime":565.84,"endTime":565.99,"body":"a"},{"speaker":"Speaker 2","startTime":565.9910000000001,"endTime":566.5600000000001,"body":"particular"},{"speaker":"Speaker 2","startTime":566.561,"endTime":567.0400000000001,"body":"class,"},{"speaker":"Speaker 2","startTime":567.37,"endTime":567.58,"body":"but"},{"speaker":"Speaker 2","startTime":567.581,"endTime":567.9100000000001,"body":"maybe"},{"speaker":"Speaker 2","startTime":567.9110000000001,"endTime":568.1800000000001,"body":"another"},{"speaker":"Speaker 2","startTime":568.181,"endTime":568.57,"body":"market"},{"speaker":"Speaker 2","startTime":568.571,"endTime":568.6600000000001,"body":"is"},{"speaker":"Speaker 2","startTime":568.6610000000001,"endTime":569.0200000000001,"body":"not."},{"speaker":"Speaker 2","startTime":569.0500000000001,"endTime":569.38,"body":"So"},{"speaker":"Speaker 2","startTime":569.3810000000001,"endTime":569.5600000000001,"body":"you"},{"speaker":"Speaker 2","startTime":569.561,"endTime":569.83,"body":"might"},{"speaker":"Speaker 2","startTime":569.831,"endTime":569.9200000000001,"body":"be"},{"speaker":"Speaker 2","startTime":569.921,"endTime":570.1,"body":"able"},{"speaker":"Speaker 2","startTime":570.101,"endTime":570.19,"body":"to"},{"speaker":"Speaker 2","startTime":570.191,"endTime":570.82,"body":"transition"},{"speaker":"Speaker 2","startTime":570.821,"endTime":571.0,"body":"that"},{"speaker":"Speaker 2","startTime":571.0010000000001,"endTime":571.12,"body":"and"},{"speaker":"Speaker 2","startTime":571.1210000000001,"endTime":571.63,"body":"avoid"},{"speaker":"Speaker 2","startTime":571.6310000000001,"endTime":571.72,"body":"the"},{"speaker":"Speaker 2","startTime":571.721,"endTime":572.2900000000001,"body":"expense"},{"speaker":"Speaker 2","startTime":572.48,"endTime":572.6500000000001,"body":"and"},{"speaker":"Speaker 2","startTime":572.6600000000001,"endTime":572.75,"body":"the"},{"speaker":"Speaker 2","startTime":573.25,"endTime":573.25,"body":"risk"},{"speaker":"Speaker 2","startTime":573.7,"endTime":573.82,"body":"of"},{"speaker":"Speaker 2","startTime":573.821,"endTime":573.94,"body":"the"},{"speaker":"Speaker 2","startTime":573.941,"endTime":574.45,"body":"ERP."},{"speaker":"Speaker 2","startTime":574.451,"endTime":574.6,"body":"So"},{"speaker":"Speaker 2","startTime":574.601,"endTime":574.69,"body":"I"},{"speaker":"Speaker 2","startTime":574.691,"endTime":574.87,"body":"think"},{"speaker":"Speaker 2","startTime":574.8710000000001,"endTime":575.0200000000001,"body":"it's"},{"speaker":"Speaker 2","startTime":575.47,"endTime":575.47,"body":"twofold"},{"speaker":"Speaker 2","startTime":575.47,"endTime":575.47,"body":"."},{"speaker":"Speaker 2","startTime":575.471,"endTime":575.74,"body":"Number"},{"speaker":"Speaker 2","startTime":575.7410000000001,"endTime":576.1600000000001,"body":"one,"},{"speaker":"Speaker 2","startTime":576.5500000000001,"endTime":576.5500000000001,"body":"with"},{"speaker":"Speaker 2","startTime":576.551,"endTime":576.85,"body":"your"},{"speaker":"Speaker 2","startTime":576.851,"endTime":577.3000000000001,"body":"CRC"},{"speaker":"Speaker 2","startTime":577.301,"endTime":577.6600000000001,"body":"broker,"},{"speaker":"Speaker 2","startTime":577.6610000000001,"endTime":577.8100000000001,"body":"they"},{"speaker":"Speaker 2","startTime":577.811,"endTime":578.08,"body":"can,"},{"speaker":"Speaker 2","startTime":578.1400000000001,"endTime":578.2900000000001,"body":"they"},{"speaker":"Speaker 2","startTime":578.291,"endTime":578.44,"body":"can"},{"speaker":"Speaker 2","startTime":578.441,"endTime":578.6800000000001,"body":"vet"},{"speaker":"Speaker 2","startTime":578.681,"endTime":578.74,"body":"the"},{"speaker":"Speaker 2","startTime":578.7410000000001,"endTime":579.25,"body":"marketplace,"},{"speaker":"Speaker 2","startTime":579.2510000000001,"endTime":579.49,"body":"right?"},{"speaker":"Speaker 2","startTime":579.6,"endTime":579.75,"body":"They"},{"speaker":"Speaker 2","startTime":579.7510000000001,"endTime":579.96,"body":"can"},{"speaker":"Speaker 2","startTime":579.961,"endTime":580.2900000000001,"body":"look"},{"speaker":"Speaker 2","startTime":580.291,"endTime":580.38,"body":"to"},{"speaker":"Speaker 2","startTime":580.3810000000001,"endTime":580.5600000000001,"body":"see"},{"speaker":"Speaker 2","startTime":580.561,"endTime":580.6800000000001,"body":"if"},{"speaker":"Speaker 2","startTime":580.8900000000001,"endTime":580.8900000000001,"body":"there's"},{"speaker":"Speaker 2","startTime":580.8910000000001,"endTime":581.07,"body":"any"},{"speaker":"Speaker 2","startTime":581.071,"endTime":581.25,"body":"other"},{"speaker":"Speaker 2","startTime":581.2510000000001,"endTime":581.97,"body":"opportunities."},{"speaker":"Speaker 2","startTime":582.0,"endTime":582.1500000000001,"body":"And"},{"speaker":"Speaker 2","startTime":582.1510000000001,"endTime":582.36,"body":"number"},{"speaker":"Speaker 2","startTime":582.361,"endTime":582.6,"body":"two,"},{"speaker":"Speaker 2","startTime":582.601,"endTime":582.76,"body":"if"},{"speaker":"Speaker 2","startTime":582.97,"endTime":582.97,"body":"it"},{"speaker":"Speaker 2","startTime":583.2,"endTime":583.2,"body":"does"},{"speaker":"Speaker 2","startTime":583.201,"endTime":583.47,"body":"move"},{"speaker":"Speaker 2","startTime":583.471,"endTime":583.5600000000001,"body":"to"},{"speaker":"Speaker 2","startTime":583.561,"endTime":583.83,"body":"that,"},{"speaker":"Speaker 2","startTime":583.831,"endTime":583.9200000000001,"body":"they"},{"speaker":"Speaker 2","startTime":583.921,"endTime":584.1,"body":"can"},{"speaker":"Speaker 2","startTime":584.101,"endTime":584.7900000000001,"body":"advise"},{"speaker":"Speaker 2","startTime":584.85,"endTime":585.0300000000001,"body":"and"},{"speaker":"Speaker 2","startTime":585.0310000000001,"endTime":585.33,"body":"walk"},{"speaker":"Speaker 2","startTime":585.331,"endTime":585.45,"body":"you"},{"speaker":"Speaker 2","startTime":585.451,"endTime":585.9000000000001,"body":"through"},{"speaker":"Speaker 2","startTime":586.11,"endTime":586.26,"body":"the"},{"speaker":"Speaker 2","startTime":586.2610000000001,"endTime":587.0400000000001,"body":"language,"},{"speaker":"Speaker 2","startTime":587.2800000000001,"endTime":587.49,"body":"the"},{"speaker":"Speaker 2","startTime":587.4910000000001,"endTime":588.09,"body":"risks,"},{"speaker":"Speaker 2","startTime":588.091,"endTime":588.21,"body":"the"},{"speaker":"Speaker 2","startTime":588.211,"endTime":588.72,"body":"particular"},{"speaker":"Speaker 2","startTime":588.721,"endTime":589.38,"body":"forms"},{"speaker":"Speaker 2","startTime":589.72,"endTime":589.87,"body":"and"},{"speaker":"Speaker 2","startTime":589.8710000000001,"endTime":590.11,"body":"talk"},{"speaker":"Speaker 2","startTime":590.111,"endTime":590.4100000000001,"body":"about"},{"speaker":"Speaker 2","startTime":590.4110000000001,"endTime":590.9300000000001,"body":"the"},{"speaker":"Speaker 2","startTime":591.37,"endTime":591.37,"body":"costs"},{"speaker":"Speaker 2","startTime":591.37,"endTime":591.37,"body":"."},{"speaker":"Speaker 2","startTime":591.4200000000001,"endTime":592.0,"body":"So,"},{"speaker":"Speaker 2","startTime":592.0300000000001,"endTime":592.33,"body":"yeah,"},{"speaker":"Speaker 2","startTime":592.36,"endTime":592.51,"body":"no,"},{"speaker":"Speaker 2","startTime":592.5110000000001,"endTime":592.6,"body":"I"},{"speaker":"Speaker 2","startTime":592.601,"endTime":592.84,"body":"think"},{"speaker":"Speaker 2","startTime":593.23,"endTime":593.23,"body":"Linda's"},{"speaker":"Speaker 2","startTime":593.231,"endTime":593.47,"body":"right"},{"speaker":"Speaker 2","startTime":593.471,"endTime":593.62,"body":"on"},{"speaker":"Speaker 2","startTime":593.6210000000001,"endTime":593.74,"body":"with"},{"speaker":"Speaker 2","startTime":593.7410000000001,"endTime":593.8900000000001,"body":"that."},{"speaker":"Speaker 3","startTime":594.0500000000001,"endTime":594.1700000000001,"body":"Do"},{"speaker":"Speaker 3","startTime":594.171,"endTime":594.2900000000001,"body":"you"},{"speaker":"Speaker 3","startTime":594.291,"endTime":594.5300000000001,"body":"guys"},{"speaker":"Speaker 3","startTime":594.5310000000001,"endTime":594.6800000000001,"body":"want"},{"speaker":"Speaker 3","startTime":594.681,"endTime":594.74,"body":"to"},{"speaker":"Speaker 3","startTime":594.7410000000001,"endTime":595.01,"body":"touch"},{"speaker":"Speaker 3","startTime":595.0110000000001,"endTime":595.19,"body":"real"},{"speaker":"Speaker 3","startTime":595.191,"endTime":595.46,"body":"quick"},{"speaker":"Speaker 3","startTime":595.461,"endTime":595.73,"body":"on"},{"speaker":"Speaker 3","startTime":595.86,"endTime":596.01,"body":"the"},{"speaker":"Speaker 3","startTime":596.0110000000001,"endTime":596.37,"body":"fact"},{"speaker":"Speaker 3","startTime":596.3710000000001,"endTime":596.58,"body":"that"},{"speaker":"Speaker 3","startTime":596.76,"endTime":597.0,"body":"this"},{"speaker":"Speaker 3","startTime":597.0010000000001,"endTime":597.2700000000001,"body":"whole"},{"speaker":"Speaker 3","startTime":597.3000000000001,"endTime":597.84,"body":"discussion"},{"speaker":"Speaker 3","startTime":597.841,"endTime":597.9300000000001,"body":"is"},{"speaker":"Speaker 3","startTime":597.931,"endTime":598.11,"body":"being"},{"speaker":"Speaker 3","startTime":598.111,"endTime":598.71,"body":"prompted"},{"speaker":"Speaker 3","startTime":598.711,"endTime":598.83,"body":"by"},{"speaker":"Speaker 3","startTime":598.831,"endTime":598.95,"body":"the"},{"speaker":"Speaker 3","startTime":598.951,"endTime":599.2800000000001,"body":"fact"},{"speaker":"Speaker 3","startTime":599.2810000000001,"endTime":599.4000000000001,"body":"that"},{"speaker":"Speaker 3","startTime":599.4010000000001,"endTime":599.5500000000001,"body":"it's"},{"speaker":"Speaker 3","startTime":599.551,"endTime":599.61,"body":"a"},{"speaker":"Speaker 3","startTime":599.611,"endTime":599.85,"body":"hard"},{"speaker":"Speaker 3","startTime":599.851,"endTime":600.1800000000001,"body":"market"},{"speaker":"Speaker 3","startTime":600.181,"endTime":600.57,"body":"cycle"},{"speaker":"Speaker 3","startTime":600.571,"endTime":600.7800000000001,"body":"right"},{"speaker":"Speaker 3","startTime":600.7810000000001,"endTime":601.0400000000001,"body":"now"},{"speaker":"Speaker 3","startTime":601.3100000000001,"endTime":601.5200000000001,"body":"and"},{"speaker":"Speaker 3","startTime":601.5210000000001,"endTime":601.7900000000001,"body":"how"},{"speaker":"Speaker 3","startTime":601.791,"endTime":602.2700000000001,"body":"CRC"},{"speaker":"Speaker 3","startTime":602.2710000000001,"endTime":602.36,"body":"is"},{"speaker":"Speaker 3","startTime":602.361,"endTime":602.8100000000001,"body":"approaching"},{"speaker":"Speaker 3","startTime":602.811,"endTime":603.0500000000001,"body":"that"},{"speaker":"Speaker 3","startTime":603.051,"endTime":603.1400000000001,"body":"and"},{"speaker":"Speaker 3","startTime":603.1410000000001,"endTime":603.35,"body":"how"},{"speaker":"Speaker 3","startTime":603.351,"endTime":603.5300000000001,"body":"you"},{"speaker":"Speaker 3","startTime":603.5310000000001,"endTime":603.7700000000001,"body":"guys"},{"speaker":"Speaker 3","startTime":603.7710000000001,"endTime":603.95,"body":"can"},{"speaker":"Speaker 3","startTime":603.951,"endTime":604.19,"body":"help"},{"speaker":"Speaker 3","startTime":604.191,"endTime":604.5200000000001,"body":"out"},{"speaker":"Speaker 3","startTime":604.6500000000001,"endTime":605.34,"body":"specifically"},{"speaker":"Speaker 3","startTime":605.341,"endTime":605.6700000000001,"body":"during"},{"speaker":"Speaker 3","startTime":605.671,"endTime":605.85,"body":"this"},{"speaker":"Speaker 3","startTime":605.851,"endTime":606.24,"body":"time"},{"speaker":"Speaker 3","startTime":607.0600000000001,"endTime":607.0600000000001,"body":"coronavirus"},{"speaker":"Speaker 3","startTime":607.061,"endTime":607.1500000000001,"body":"and"},{"speaker":"Speaker 3","startTime":607.1510000000001,"endTime":607.2700000000001,"body":"all"},{"speaker":"Speaker 3","startTime":607.32,"endTime":607.32,"body":"of"},{"speaker":"Speaker 3","startTime":607.33,"endTime":607.69,"body":"this."},{"speaker":"Speaker 4","startTime":607.9300000000001,"endTime":608.37,"body":"One"},{"speaker":"Speaker 4","startTime":608.3710000000001,"endTime":608.5500000000001,"body":"thing"},{"speaker":"Speaker 4","startTime":608.551,"endTime":608.73,"body":"that"},{"speaker":"Speaker 4","startTime":608.76,"endTime":608.9100000000001,"body":"I'd"},{"speaker":"Speaker 4","startTime":608.9110000000001,"endTime":609.0300000000001,"body":"like"},{"speaker":"Speaker 4","startTime":609.0310000000001,"endTime":609.12,"body":"to"},{"speaker":"Speaker 4","startTime":609.1210000000001,"endTime":609.3900000000001,"body":"touch"},{"speaker":"Speaker 4","startTime":609.3910000000001,"endTime":609.5400000000001,"body":"on"},{"speaker":"Speaker 4","startTime":609.541,"endTime":609.6600000000001,"body":"is,"},{"speaker":"Speaker 4","startTime":609.6610000000001,"endTime":609.72,"body":"you"},{"speaker":"Speaker 4","startTime":609.721,"endTime":609.8100000000001,"body":"know,"},{"speaker":"Speaker 4","startTime":609.811,"endTime":609.96,"body":"we,"},{"speaker":"Speaker 4","startTime":610.08,"endTime":610.23,"body":"we"},{"speaker":"Speaker 4","startTime":610.231,"endTime":610.4100000000001,"body":"tend"},{"speaker":"Speaker 4","startTime":610.4110000000001,"endTime":610.47,"body":"to"},{"speaker":"Speaker 4","startTime":610.471,"endTime":610.83,"body":"focus"},{"speaker":"Speaker 4","startTime":610.831,"endTime":610.98,"body":"on"},{"speaker":"Speaker 4","startTime":611.01,"endTime":611.58,"body":"EPL"},{"speaker":"Speaker 4","startTime":611.581,"endTime":612.0600000000001,"body":"because"},{"speaker":"Speaker 4","startTime":612.21,"endTime":612.45,"body":"that's"},{"speaker":"Speaker 4","startTime":612.451,"endTime":612.5400000000001,"body":"where"},{"speaker":"Speaker 4","startTime":612.541,"endTime":612.6,"body":"the"},{"speaker":"Speaker 4","startTime":612.601,"endTime":613.26,"body":"downsizing"},{"speaker":"Speaker 4","startTime":613.2610000000001,"endTime":613.83,"body":"exclusions"},{"speaker":"Speaker 4","startTime":613.831,"endTime":614.1,"body":"are"},{"speaker":"Speaker 4","startTime":614.101,"endTime":614.5500000000001,"body":"layoff"},{"speaker":"Speaker 4","startTime":614.58,"endTime":615.21,"body":"exclusions,"},{"speaker":"Speaker 4","startTime":615.35,"endTime":615.5,"body":"but"},{"speaker":"Speaker 4","startTime":615.5010000000001,"endTime":615.5600000000001,"body":"it"},{"speaker":"Speaker 4","startTime":615.561,"endTime":615.8000000000001,"body":"really"},{"speaker":"Speaker 4","startTime":615.801,"endTime":616.01,"body":"hits"},{"speaker":"Speaker 4","startTime":616.0110000000001,"endTime":616.1,"body":"a"},{"speaker":"Speaker 4","startTime":616.101,"endTime":616.37,"body":"lot"},{"speaker":"Speaker 4","startTime":616.3710000000001,"endTime":616.46,"body":"of"},{"speaker":"Speaker 4","startTime":616.461,"endTime":616.6700000000001,"body":"other"},{"speaker":"Speaker 4","startTime":616.671,"endTime":617.1500000000001,"body":"areas."},{"speaker":"Speaker 4","startTime":617.1510000000001,"endTime":617.3000000000001,"body":"I've"},{"speaker":"Speaker 4","startTime":617.301,"endTime":617.5400000000001,"body":"got"},{"speaker":"Speaker 4","startTime":618.4100000000001,"endTime":618.4100000000001,"body":"contractors"},{"speaker":"Speaker 4","startTime":618.4110000000001,"endTime":618.95,"body":"professional,"},{"speaker":"Speaker 4","startTime":618.951,"endTime":619.1,"body":"there's"},{"speaker":"Speaker 4","startTime":619.101,"endTime":619.1600000000001,"body":"a"},{"speaker":"Speaker 4","startTime":619.1610000000001,"endTime":619.46,"body":"couple"},{"speaker":"Speaker 4","startTime":619.461,"endTime":619.5500000000001,"body":"of"},{"speaker":"Speaker 4","startTime":619.551,"endTime":620.09,"body":"carriers"},{"speaker":"Speaker 4","startTime":620.091,"endTime":620.21,"body":"that"},{"speaker":"Speaker 4","startTime":620.211,"endTime":620.2700000000001,"body":"are"},{"speaker":"Speaker 4","startTime":620.2710000000001,"endTime":620.63,"body":"putting"},{"speaker":"Speaker 4","startTime":620.6310000000001,"endTime":620.7800000000001,"body":"on"},{"speaker":"Speaker 4","startTime":620.7810000000001,"endTime":621.1400000000001,"body":"full"},{"speaker":"Speaker 4","startTime":622.22,"endTime":622.22,"body":"coronavirus"},{"speaker":"Speaker 4","startTime":622.4000000000001,"endTime":623.0600000000001,"body":"exclusions"},{"speaker":"Speaker 4","startTime":623.061,"endTime":623.1800000000001,"body":"and"},{"speaker":"Speaker 4","startTime":623.181,"endTime":623.24,"body":"I"},{"speaker":"Speaker 4","startTime":623.2410000000001,"endTime":623.5400000000001,"body":"don't"},{"speaker":"Speaker 4","startTime":623.69,"endTime":623.9300000000001,"body":"really"},{"speaker":"Speaker 4","startTime":623.931,"endTime":624.32,"body":"understand"},{"speaker":"Speaker 4","startTime":624.321,"endTime":624.44,"body":"how"},{"speaker":"Speaker 4","startTime":624.441,"endTime":624.62,"body":"that"},{"speaker":"Speaker 4","startTime":624.76,"endTime":624.76,"body":"would"},{"speaker":"Speaker 4","startTime":624.76,"endTime":624.76,"body":","},{"speaker":"Speaker 4","startTime":624.95,"endTime":625.1,"body":"how"},{"speaker":"Speaker 4","startTime":625.101,"endTime":625.25,"body":"that"},{"speaker":"Speaker 4","startTime":625.2510000000001,"endTime":625.4000000000001,"body":"would"},{"speaker":"Speaker 4","startTime":625.4010000000001,"endTime":625.7900000000001,"body":"work,"},{"speaker":"Speaker 4","startTime":625.85,"endTime":625.97,"body":"you"},{"speaker":"Speaker 4","startTime":625.971,"endTime":626.21,"body":"know,"},{"speaker":"Speaker 4","startTime":626.36,"endTime":626.6,"body":"what"},{"speaker":"Speaker 4","startTime":626.601,"endTime":626.75,"body":"does"},{"speaker":"Speaker 4","startTime":626.7510000000001,"endTime":626.9300000000001,"body":"that"},{"speaker":"Speaker 4","startTime":626.931,"endTime":627.38,"body":"actually"},{"speaker":"Speaker 4","startTime":627.3810000000001,"endTime":627.6500000000001,"body":"do?"},{"speaker":"Speaker 4","startTime":627.6510000000001,"endTime":627.86,"body":"It's"},{"speaker":"Speaker 4","startTime":627.861,"endTime":628.13,"body":"just"},{"speaker":"Speaker 4","startTime":628.1310000000001,"endTime":628.49,"body":"something"},{"speaker":"Speaker 4","startTime":628.4910000000001,"endTime":628.6700000000001,"body":"new"},{"speaker":"Speaker 4","startTime":628.671,"endTime":628.9100000000001,"body":"that"},{"speaker":"Speaker 4","startTime":629.1800000000001,"endTime":629.3000000000001,"body":"we"},{"speaker":"Speaker 4","startTime":629.301,"endTime":629.4200000000001,"body":"have"},{"speaker":"Speaker 4","startTime":629.421,"endTime":629.51,"body":"to"},{"speaker":"Speaker 4","startTime":629.5110000000001,"endTime":629.7800000000001,"body":"check"},{"speaker":"Speaker 4","startTime":629.7810000000001,"endTime":630.1700000000001,"body":"into."},{"speaker":"Speaker 4","startTime":630.5300000000001,"endTime":630.98,"body":"And"},{"speaker":"Speaker 4","startTime":630.981,"endTime":631.4300000000001,"body":"there's,"},{"speaker":"Speaker 4","startTime":631.63,"endTime":631.63,"body":"it"},{"speaker":"Speaker 4","startTime":631.8100000000001,"endTime":631.8100000000001,"body":"seems"},{"speaker":"Speaker 4","startTime":631.811,"endTime":631.96,"body":"like"},{"speaker":"Speaker 4","startTime":631.961,"endTime":632.0200000000001,"body":"a"},{"speaker":"Speaker 4","startTime":632.0210000000001,"endTime":632.44,"body":"DNL"},{"speaker":"Speaker 4","startTime":632.441,"endTime":632.86,"body":"policy,"},{"speaker":"Speaker 4","startTime":632.861,"endTime":633.1600000000001,"body":"private"},{"speaker":"Speaker 4","startTime":633.1610000000001,"endTime":633.5200000000001,"body":"company,"},{"speaker":"Speaker 4","startTime":634.0300000000001,"endTime":634.0300000000001,"body":"DNO"},{"speaker":"Speaker 4","startTime":634.0300000000001,"endTime":634.0300000000001,"body":","},{"speaker":"Speaker 4","startTime":634.1700000000001,"endTime":634.32,"body":"the"},{"speaker":"Speaker 4","startTime":634.321,"endTime":634.74,"body":"main"},{"speaker":"Speaker 4","startTime":634.8900000000001,"endTime":635.49,"body":"basis"},{"speaker":"Speaker 4","startTime":635.4910000000001,"endTime":635.6700000000001,"body":"of"},{"speaker":"Speaker 4","startTime":635.671,"endTime":636.21,"body":"rating"},{"speaker":"Speaker 4","startTime":636.3000000000001,"endTime":636.57,"body":"is"},{"speaker":"Speaker 4","startTime":636.571,"endTime":636.8100000000001,"body":"the"},{"speaker":"Speaker 4","startTime":636.811,"endTime":637.71,"body":"financial"},{"speaker":"Speaker 4","startTime":637.83,"endTime":637.95,"body":"or"},{"speaker":"Speaker 4","startTime":637.951,"endTime":638.1,"body":"the"},{"speaker":"Speaker 4","startTime":638.101,"endTime":638.61,"body":"management"},{"speaker":"Speaker 4","startTime":638.611,"endTime":639.12,"body":"liability."},{"speaker":"Speaker 4","startTime":639.33,"endTime":639.48,"body":"How"},{"speaker":"Speaker 4","startTime":639.481,"endTime":639.57,"body":"do"},{"speaker":"Speaker 4","startTime":639.571,"endTime":639.63,"body":"you"},{"speaker":"Speaker 4","startTime":639.6310000000001,"endTime":639.9300000000001,"body":"manage"},{"speaker":"Speaker 4","startTime":639.931,"endTime":640.1400000000001,"body":"that"},{"speaker":"Speaker 4","startTime":640.1410000000001,"endTime":640.44,"body":"business"},{"speaker":"Speaker 4","startTime":640.441,"endTime":640.5600000000001,"body":"to"},{"speaker":"Speaker 4","startTime":640.561,"endTime":641.3100000000001,"body":"profitability?"},{"speaker":"Speaker 4","startTime":641.37,"endTime":641.5200000000001,"body":"Well,"},{"speaker":"Speaker 4","startTime":641.5210000000001,"endTime":641.6700000000001,"body":"if"},{"speaker":"Speaker 4","startTime":641.671,"endTime":641.97,"body":"your"},{"speaker":"Speaker 4","startTime":641.971,"endTime":642.48,"body":"business"},{"speaker":"Speaker 4","startTime":642.51,"endTime":642.72,"body":"is"},{"speaker":"Speaker 4","startTime":642.721,"endTime":642.9300000000001,"body":"not"},{"speaker":"Speaker 4","startTime":642.931,"endTime":643.1700000000001,"body":"doing"},{"speaker":"Speaker 4","startTime":643.171,"endTime":643.35,"body":"that"},{"speaker":"Speaker 4","startTime":643.351,"endTime":643.74,"body":"well"},{"speaker":"Speaker 4","startTime":643.83,"endTime":644.07,"body":"right"},{"speaker":"Speaker 4","startTime":644.071,"endTime":644.46,"body":"now,"},{"speaker":"Speaker 4","startTime":644.7,"endTime":644.82,"body":"when"},{"speaker":"Speaker 4","startTime":645.0,"endTime":645.0,"body":"you're"},{"speaker":"Speaker 4","startTime":645.0,"endTime":645.0,"body":","},{"speaker":"Speaker 4","startTime":645.0300000000001,"endTime":645.1800000000001,"body":"if"},{"speaker":"Speaker 4","startTime":645.181,"endTime":645.2700000000001,"body":"you"},{"speaker":"Speaker 4","startTime":645.2710000000001,"endTime":645.33,"body":"have"},{"speaker":"Speaker 4","startTime":645.331,"endTime":645.45,"body":"an"},{"speaker":"Speaker 4","startTime":645.451,"endTime":645.7800000000001,"body":"renewal"},{"speaker":"Speaker 4","startTime":645.7810000000001,"endTime":646.08,"body":"coming"},{"speaker":"Speaker 4","startTime":646.081,"endTime":646.2900000000001,"body":"up,"},{"speaker":"Speaker 4","startTime":646.38,"endTime":646.59,"body":"you're"},{"speaker":"Speaker 4","startTime":646.591,"endTime":647.1600000000001,"body":"probably"},{"speaker":"Speaker 4","startTime":647.37,"endTime":647.37,"body":"gonna"},{"speaker":"Speaker 4","startTime":647.3710000000001,"endTime":647.7,"body":"get"},{"speaker":"Speaker 4","startTime":647.701,"endTime":647.76,"body":"a"},{"speaker":"Speaker 4","startTime":647.7610000000001,"endTime":648.3900000000001,"body":"creditor"},{"speaker":"Speaker 4","startTime":648.45,"endTime":648.6,"body":"or"},{"speaker":"Speaker 4","startTime":648.601,"endTime":649.11,"body":"bankruptcy"},{"speaker":"Speaker 4","startTime":649.111,"endTime":649.6500000000001,"body":"exclusion."},{"speaker":"Speaker 4","startTime":649.74,"endTime":649.86,"body":"Well,"},{"speaker":"Speaker 4","startTime":649.861,"endTime":650.01,"body":"we"},{"speaker":"Speaker 4","startTime":650.0110000000001,"endTime":650.19,"body":"can"},{"speaker":"Speaker 4","startTime":650.191,"endTime":650.6400000000001,"body":"navigate"},{"speaker":"Speaker 4","startTime":650.6410000000001,"endTime":650.73,"body":"the"},{"speaker":"Speaker 4","startTime":650.731,"endTime":651.48,"body":"marketplace"},{"speaker":"Speaker 4","startTime":651.5400000000001,"endTime":651.7800000000001,"body":"and"},{"speaker":"Speaker 4","startTime":651.7810000000001,"endTime":651.96,"body":"get"},{"speaker":"Speaker 4","startTime":651.961,"endTime":652.08,"body":"you"},{"speaker":"Speaker 4","startTime":652.081,"endTime":652.23,"body":"with"},{"speaker":"Speaker 4","startTime":652.2900000000001,"endTime":652.2900000000001,"body":"the"},{"speaker":"Speaker 4","startTime":652.291,"endTime":652.6500000000001,"body":"carrier"},{"speaker":"Speaker 4","startTime":652.6510000000001,"endTime":652.8000000000001,"body":"that"},{"speaker":"Speaker 4","startTime":652.801,"endTime":653.25,"body":"hopefully"},{"speaker":"Speaker 4","startTime":653.46,"endTime":653.85,"body":"doesn't"},{"speaker":"Speaker 4","startTime":653.851,"endTime":654.1800000000001,"body":"have"},{"speaker":"Speaker 4","startTime":654.21,"endTime":654.2700000000001,"body":"a"},{"speaker":"Speaker 4","startTime":654.2710000000001,"endTime":654.72,"body":"creditor"},{"speaker":"Speaker 4","startTime":654.721,"endTime":654.8000000000001,"body":"or"},{"speaker":"Speaker 4","startTime":654.8100000000001,"endTime":655.38,"body":"bankruptcy"},{"speaker":"Speaker 4","startTime":655.3810000000001,"endTime":655.86,"body":"exclusion"},{"speaker":"Speaker 4","startTime":656.0,"endTime":656.48,"body":"because"},{"speaker":"Speaker 4","startTime":656.481,"endTime":656.7800000000001,"body":"some,"},{"speaker":"Speaker 4","startTime":656.9300000000001,"endTime":657.2900000000001,"body":"some"},{"speaker":"Speaker 4","startTime":657.291,"endTime":657.98,"body":"carriers"},{"speaker":"Speaker 4","startTime":658.34,"endTime":658.5200000000001,"body":"that"},{"speaker":"Speaker 4","startTime":658.5210000000001,"endTime":658.7,"body":"we"},{"speaker":"Speaker 4","startTime":658.701,"endTime":659.0300000000001,"body":"work"},{"speaker":"Speaker 4","startTime":659.0310000000001,"endTime":659.2700000000001,"body":"with"},{"speaker":"Speaker 4","startTime":659.3000000000001,"endTime":659.4200000000001,"body":"and"},{"speaker":"Speaker 4","startTime":659.421,"endTime":659.5400000000001,"body":"we"},{"speaker":"Speaker 4","startTime":659.541,"endTime":659.75,"body":"work"},{"speaker":"Speaker 4","startTime":659.7510000000001,"endTime":659.9300000000001,"body":"with"},{"speaker":"Speaker 4","startTime":660.11,"endTime":660.47,"body":"most"},{"speaker":"Speaker 4","startTime":660.471,"endTime":660.98,"body":"all"},{"speaker":"Speaker 4","startTime":661.1600000000001,"endTime":661.4300000000001,"body":"private"},{"speaker":"Speaker 4","startTime":661.431,"endTime":661.76,"body":"company,"},{"speaker":"Speaker 4","startTime":661.7610000000001,"endTime":662.1500000000001,"body":"DNO"},{"speaker":"Speaker 4","startTime":662.1510000000001,"endTime":662.6,"body":"carriers,"},{"speaker":"Speaker 4","startTime":662.69,"endTime":662.8100000000001,"body":"we"},{"speaker":"Speaker 4","startTime":662.811,"endTime":663.2,"body":"conduct"},{"speaker":"Speaker 4","startTime":663.201,"endTime":663.38,"body":"those"},{"speaker":"Speaker 4","startTime":663.3810000000001,"endTime":663.7700000000001,"body":"markets"},{"speaker":"Speaker 4","startTime":663.7710000000001,"endTime":663.86,"body":"to"},{"speaker":"Speaker 4","startTime":663.861,"endTime":664.1,"body":"see"},{"speaker":"Speaker 4","startTime":664.23,"endTime":664.38,"body":"who"},{"speaker":"Speaker 4","startTime":664.3810000000001,"endTime":664.5,"body":"would"},{"speaker":"Speaker 4","startTime":664.5010000000001,"endTime":664.59,"body":"be"},{"speaker":"Speaker 4","startTime":664.591,"endTime":664.71,"body":"the"},{"speaker":"Speaker 4","startTime":664.711,"endTime":665.0400000000001,"body":"best"},{"speaker":"Speaker 4","startTime":665.041,"endTime":665.2800000000001,"body":"fit"},{"speaker":"Speaker 4","startTime":665.2810000000001,"endTime":665.46,"body":"for"},{"speaker":"Speaker 4","startTime":665.461,"endTime":665.94,"body":"you,"},{"speaker":"Speaker 4","startTime":666.0300000000001,"endTime":666.36,"body":"your,"},{"speaker":"Speaker 4","startTime":666.49,"endTime":666.8100000000001,"body":"your"},{"speaker":"Speaker 4","startTime":666.811,"endTime":667.35,"body":"insured"},{"speaker":"Speaker 4","startTime":667.6500000000001,"endTime":667.86,"body":"that"},{"speaker":"Speaker 4","startTime":667.861,"endTime":668.1600000000001,"body":"maybe"},{"speaker":"Speaker 4","startTime":668.1610000000001,"endTime":668.3100000000001,"body":"would"},{"speaker":"Speaker 4","startTime":668.311,"endTime":668.49,"body":"not"},{"speaker":"Speaker 4","startTime":668.4910000000001,"endTime":668.7900000000001,"body":"have"},{"speaker":"Speaker 4","startTime":668.791,"endTime":668.97,"body":"that"},{"speaker":"Speaker 4","startTime":668.971,"endTime":669.3900000000001,"body":"bankruptcy"},{"speaker":"Speaker 4","startTime":669.8100000000001,"endTime":669.8100000000001,"body":"creditor"},{"speaker":"Speaker 4","startTime":669.811,"endTime":670.38,"body":"exclusion"},{"speaker":"Speaker 4","startTime":670.3810000000001,"endTime":670.6500000000001,"body":"going"},{"speaker":"Speaker 4","startTime":670.6510000000001,"endTime":671.1,"body":"forward."},{"speaker":"Speaker 4","startTime":671.19,"endTime":671.4300000000001,"body":"Well"},{"speaker":"Speaker 4","startTime":671.431,"endTime":671.73,"body":"said."},{"speaker":"Speaker 4","startTime":671.731,"endTime":672.0600000000001,"body":"Linda."},{"speaker":"Speaker 3","startTime":672.22,"endTime":672.46,"body":"Thank"},{"speaker":"Speaker 3","startTime":672.461,"endTime":672.5500000000001,"body":"you"},{"speaker":"Speaker 3","startTime":672.551,"endTime":672.76,"body":"guys"},{"speaker":"Speaker 3","startTime":672.7610000000001,"endTime":673.0300000000001,"body":"very"},{"speaker":"Speaker 3","startTime":673.0310000000001,"endTime":673.36,"body":"much."},{"speaker":"Speaker 3","startTime":673.361,"endTime":673.4200000000001,"body":"I"},{"speaker":"Speaker 3","startTime":673.421,"endTime":673.96,"body":"appreciate"},{"speaker":"Speaker 3","startTime":673.961,"endTime":674.0500000000001,"body":"you"},{"speaker":"Speaker 3","startTime":674.051,"endTime":674.2900000000001,"body":"both"},{"speaker":"Speaker 3","startTime":674.32,"endTime":674.6500000000001,"body":"joining"},{"speaker":"Speaker 3","startTime":674.6510000000001,"endTime":674.8000000000001,"body":"us"},{"speaker":"Speaker 3","startTime":674.801,"endTime":675.0400000000001,"body":"today"},{"speaker":"Speaker 3","startTime":675.041,"endTime":675.22,"body":"on"},{"speaker":"Speaker 3","startTime":675.221,"endTime":675.2800000000001,"body":"the"},{"speaker":"Speaker 3","startTime":675.2810000000001,"endTime":675.7900000000001,"body":"podcast."},{"speaker":"Speaker 3","startTime":675.791,"endTime":675.88,"body":"Is"},{"speaker":"Speaker 3","startTime":675.8810000000001,"endTime":675.97,"body":"there"},{"speaker":"Speaker 3","startTime":675.971,"endTime":676.2700000000001,"body":"anything"},{"speaker":"Speaker 3","startTime":676.2710000000001,"endTime":676.3900000000001,"body":"we"},{"speaker":"Speaker 3","startTime":676.3910000000001,"endTime":676.69,"body":"missed"},{"speaker":"Speaker 3","startTime":676.691,"endTime":676.9300000000001,"body":"out"},{"speaker":"Speaker 3","startTime":676.931,"endTime":677.2,"body":"before"},{"speaker":"Speaker 3","startTime":677.201,"endTime":677.5300000000001,"body":"we"},{"speaker":"Speaker 3","startTime":677.8900000000001,"endTime":678.3100000000001,"body":"wrap"},{"speaker":"Speaker 3","startTime":678.311,"endTime":678.49,"body":"this"},{"speaker":"Speaker 3","startTime":678.4910000000001,"endTime":678.6700000000001,"body":"thing"},{"speaker":"Speaker 3","startTime":678.671,"endTime":678.7900000000001,"body":"up?"},{"speaker":"Speaker 3","startTime":678.791,"endTime":679.12,"body":"Anything"},{"speaker":"Speaker 3","startTime":679.1210000000001,"endTime":679.21,"body":"we"},{"speaker":"Speaker 3","startTime":679.211,"endTime":679.3900000000001,"body":"need"},{"speaker":"Speaker 3","startTime":679.3910000000001,"endTime":679.45,"body":"to"},{"speaker":"Speaker 3","startTime":679.451,"endTime":679.9000000000001,"body":"mention"},{"speaker":"Speaker 3","startTime":680.08,"endTime":680.26,"body":"that"},{"speaker":"Speaker 3","startTime":680.2610000000001,"endTime":680.35,"body":"would"},{"speaker":"Speaker 3","startTime":680.351,"endTime":680.62,"body":"be"},{"speaker":"Speaker 3","startTime":680.6500000000001,"endTime":681.1,"body":"helpful?"},{"speaker":"Speaker 2","startTime":681.24,"endTime":681.48,"body":"Yeah."},{"speaker":"Speaker 2","startTime":681.481,"endTime":681.75,"body":"One"},{"speaker":"Speaker 2","startTime":681.7510000000001,"endTime":681.9300000000001,"body":"thing"},{"speaker":"Speaker 2","startTime":681.931,"endTime":682.0500000000001,"body":"I"},{"speaker":"Speaker 2","startTime":682.051,"endTime":682.1400000000001,"body":"would"},{"speaker":"Speaker 2","startTime":682.1410000000001,"endTime":682.2900000000001,"body":"like"},{"speaker":"Speaker 2","startTime":682.291,"endTime":682.38,"body":"to"},{"speaker":"Speaker 2","startTime":682.3810000000001,"endTime":682.6500000000001,"body":"mention,"},{"speaker":"Speaker 2","startTime":682.6510000000001,"endTime":682.74,"body":"you"},{"speaker":"Speaker 2","startTime":682.7410000000001,"endTime":682.83,"body":"know,"},{"speaker":"Speaker 2","startTime":682.831,"endTime":683.07,"body":"another"},{"speaker":"Speaker 2","startTime":683.071,"endTime":683.61,"body":"strategy"},{"speaker":"Speaker 2","startTime":683.6400000000001,"endTime":683.9100000000001,"body":"people"},{"speaker":"Speaker 2","startTime":683.9110000000001,"endTime":684.0,"body":"are"},{"speaker":"Speaker 2","startTime":684.0010000000001,"endTime":684.3900000000001,"body":"talking"},{"speaker":"Speaker 2","startTime":684.3910000000001,"endTime":684.84,"body":"about"},{"speaker":"Speaker 2","startTime":684.97,"endTime":685.49,"body":"and,"},{"speaker":"Speaker 2","startTime":685.83,"endTime":685.83,"body":"and"},{"speaker":"Speaker 2","startTime":686.1,"endTime":686.34,"body":"it's"},{"speaker":"Speaker 2","startTime":686.341,"endTime":686.4000000000001,"body":"a"},{"speaker":"Speaker 2","startTime":686.4010000000001,"endTime":686.7,"body":"little,"},{"speaker":"Speaker 2","startTime":686.76,"endTime":686.94,"body":"it's"},{"speaker":"Speaker 2","startTime":686.941,"endTime":687.0,"body":"a"},{"speaker":"Speaker 2","startTime":687.0010000000001,"endTime":687.1800000000001,"body":"little"},{"speaker":"Speaker 2","startTime":687.181,"endTime":687.6600000000001,"body":"riskier"},{"speaker":"Speaker 2","startTime":687.6610000000001,"endTime":688.08,"body":"than"},{"speaker":"Speaker 2","startTime":688.48,"endTime":688.6600000000001,"body":"the"},{"speaker":"Speaker 2","startTime":688.6610000000001,"endTime":689.0200000000001,"body":"extended"},{"speaker":"Speaker 2","startTime":689.0210000000001,"endTime":689.38,"body":"reporting"},{"speaker":"Speaker 2","startTime":689.3810000000001,"endTime":689.7700000000001,"body":"period"},{"speaker":"Speaker 2","startTime":689.8000000000001,"endTime":690.19,"body":"is"},{"speaker":"Speaker 2","startTime":690.5400000000001,"endTime":690.94,"body":"the"},{"speaker":"Speaker 2","startTime":690.941,"endTime":691.51,"body":"forms"},{"speaker":"Speaker 2","startTime":691.5110000000001,"endTime":691.96,"body":"directors"},{"speaker":"Speaker 2","startTime":691.961,"endTime":692.0500000000001,"body":"and"},{"speaker":"Speaker 2","startTime":692.051,"endTime":692.62,"body":"officers,"},{"speaker":"Speaker 2","startTime":692.6500000000001,"endTime":693.0400000000001,"body":"employment"},{"speaker":"Speaker 2","startTime":693.041,"endTime":693.46,"body":"practices,"},{"speaker":"Speaker 2","startTime":693.461,"endTime":693.9100000000001,"body":"liability"},{"speaker":"Speaker 2","startTime":693.9110000000001,"endTime":694.09,"body":"errors"},{"speaker":"Speaker 2","startTime":694.091,"endTime":694.1800000000001,"body":"and"},{"speaker":"Speaker 2","startTime":694.181,"endTime":694.63,"body":"omissions."},{"speaker":"Speaker 2","startTime":695.0200000000001,"endTime":695.35,"body":"It's,"},{"speaker":"Speaker 2","startTime":695.47,"endTime":695.74,"body":"it's"},{"speaker":"Speaker 2","startTime":695.7410000000001,"endTime":695.86,"body":"an"},{"speaker":"Speaker 2","startTime":695.861,"endTime":696.4300000000001,"body":"insensitive"},{"speaker":"Speaker 2","startTime":696.431,"endTime":696.97,"body":"reporting"},{"speaker":"Speaker 2","startTime":696.971,"endTime":697.09,"body":"or"},{"speaker":"Speaker 2","startTime":697.091,"endTime":697.57,"body":"notice."},{"speaker":"Speaker 2","startTime":697.96,"endTime":697.96,"body":"Uh"},{"speaker":"Speaker 2","startTime":697.96,"endTime":697.96,"body":","},{"speaker":"Speaker 2","startTime":698.35,"endTime":698.44,"body":"a"},{"speaker":"Speaker 2","startTime":698.441,"endTime":698.6500000000001,"body":"lot"},{"speaker":"Speaker 2","startTime":698.6510000000001,"endTime":698.71,"body":"of"},{"speaker":"Speaker 2","startTime":698.711,"endTime":698.95,"body":"times"},{"speaker":"Speaker 2","startTime":698.951,"endTime":699.07,"body":"it's"},{"speaker":"Speaker 2","startTime":699.61,"endTime":699.7,"body":"a"},{"speaker":"Speaker 2","startTime":699.701,"endTime":700.0600000000001,"body":"notice"},{"speaker":"Speaker 2","startTime":700.061,"endTime":700.1800000000001,"body":"of"},{"speaker":"Speaker 2","startTime":700.181,"endTime":700.7800000000001,"body":"awareness"},{"speaker":"Speaker 2","startTime":701.23,"endTime":701.23,"body":"provision"},{"speaker":"Speaker 2","startTime":701.23,"endTime":701.23,"body":"."},{"speaker":"Speaker 2","startTime":701.231,"endTime":701.59,"body":"So"},{"speaker":"Speaker 2","startTime":701.7800000000001,"endTime":702.0200000000001,"body":"if"},{"speaker":"Speaker 2","startTime":702.0210000000001,"endTime":702.32,"body":"you"},{"speaker":"Speaker 2","startTime":702.321,"endTime":702.6800000000001,"body":"become"},{"speaker":"Speaker 2","startTime":702.681,"endTime":703.2800000000001,"body":"aware"},{"speaker":"Speaker 2","startTime":703.2810000000001,"endTime":703.4300000000001,"body":"of"},{"speaker":"Speaker 2","startTime":703.431,"endTime":703.49,"body":"a"},{"speaker":"Speaker 2","startTime":703.4910000000001,"endTime":704.1400000000001,"body":"situation"},{"speaker":"Speaker 2","startTime":704.36,"endTime":704.5400000000001,"body":"that"},{"speaker":"Speaker 2","startTime":704.6,"endTime":704.8100000000001,"body":"could"},{"speaker":"Speaker 2","startTime":704.811,"endTime":705.44,"body":"reasonably"},{"speaker":"Speaker 2","startTime":705.441,"endTime":705.62,"body":"give"},{"speaker":"Speaker 2","startTime":705.6210000000001,"endTime":705.9200000000001,"body":"rise"},{"speaker":"Speaker 2","startTime":705.921,"endTime":706.07,"body":"to"},{"speaker":"Speaker 2","startTime":706.071,"endTime":706.1600000000001,"body":"a"},{"speaker":"Speaker 2","startTime":706.1610000000001,"endTime":706.61,"body":"claim,"},{"speaker":"Speaker 2","startTime":706.7700000000001,"endTime":706.8900000000001,"body":"you"},{"speaker":"Speaker 2","startTime":706.8910000000001,"endTime":707.0400000000001,"body":"can"},{"speaker":"Speaker 2","startTime":707.041,"endTime":707.2800000000001,"body":"turn"},{"speaker":"Speaker 2","startTime":707.2810000000001,"endTime":707.4000000000001,"body":"it"},{"speaker":"Speaker 2","startTime":707.4010000000001,"endTime":707.58,"body":"into"},{"speaker":"Speaker 2","startTime":707.581,"endTime":707.76,"body":"that"},{"speaker":"Speaker 2","startTime":707.7610000000001,"endTime":708.09,"body":"claims"},{"speaker":"Speaker 2","startTime":708.091,"endTime":708.33,"body":"made"},{"speaker":"Speaker 2","startTime":708.331,"endTime":708.9300000000001,"body":"carrier"},{"speaker":"Speaker 2","startTime":709.2,"endTime":709.35,"body":"and"},{"speaker":"Speaker 2","startTime":709.351,"endTime":709.59,"body":"that"},{"speaker":"Speaker 2","startTime":709.591,"endTime":710.07,"body":"locks"},{"speaker":"Speaker 2","startTime":710.071,"endTime":710.19,"body":"it"},{"speaker":"Speaker 2","startTime":710.46,"endTime":710.46,"body":"in"},{"speaker":"Speaker 2","startTime":710.5500000000001,"endTime":710.5500000000001,"body":"to"},{"speaker":"Speaker 2","startTime":710.551,"endTime":710.76,"body":"that"},{"speaker":"Speaker 2","startTime":710.7610000000001,"endTime":711.1500000000001,"body":"policy"},{"speaker":"Speaker 2","startTime":711.1510000000001,"endTime":711.48,"body":"period."},{"speaker":"Speaker 2","startTime":711.481,"endTime":711.63,"body":"So"},{"speaker":"Speaker 2","startTime":711.6310000000001,"endTime":711.72,"body":"it"},{"speaker":"Speaker 2","startTime":711.721,"endTime":711.9300000000001,"body":"doesn't"},{"speaker":"Speaker 2","startTime":711.931,"endTime":712.32,"body":"have"},{"speaker":"Speaker 2","startTime":712.321,"endTime":712.38,"body":"to"},{"speaker":"Speaker 2","startTime":712.3810000000001,"endTime":712.5,"body":"be"},{"speaker":"Speaker 2","startTime":712.5010000000001,"endTime":712.5600000000001,"body":"a"},{"speaker":"Speaker 2","startTime":712.561,"endTime":712.8000000000001,"body":"full"},{"speaker":"Speaker 2","startTime":712.801,"endTime":713.0400000000001,"body":"blown"},{"speaker":"Speaker 2","startTime":713.041,"endTime":713.46,"body":"claim."},{"speaker":"Speaker 2","startTime":713.6,"endTime":713.7800000000001,"body":"But"},{"speaker":"Speaker 2","startTime":713.7810000000001,"endTime":713.9300000000001,"body":"for"},{"speaker":"Speaker 2","startTime":713.931,"endTime":714.5,"body":"example,"},{"speaker":"Speaker 2","startTime":714.74,"endTime":715.07,"body":"if"},{"speaker":"Speaker 2","startTime":715.4300000000001,"endTime":715.73,"body":"we"},{"speaker":"Speaker 2","startTime":715.731,"endTime":716.0,"body":"laid"},{"speaker":"Speaker 2","startTime":716.0010000000001,"endTime":716.3000000000001,"body":"off"},{"speaker":"Speaker 2","startTime":716.33,"endTime":716.51,"body":"an"},{"speaker":"Speaker 2","startTime":716.5110000000001,"endTime":717.2,"body":"employee"},{"speaker":"Speaker 2","startTime":717.47,"endTime":717.95,"body":"and"},{"speaker":"Speaker 2","startTime":717.951,"endTime":718.1600000000001,"body":"on"},{"speaker":"Speaker 2","startTime":718.1610000000001,"endTime":718.25,"body":"the"},{"speaker":"Speaker 2","startTime":718.2510000000001,"endTime":718.46,"body":"way"},{"speaker":"Speaker 2","startTime":718.461,"endTime":718.7900000000001,"body":"out"},{"speaker":"Speaker 2","startTime":719.0600000000001,"endTime":719.24,"body":"they"},{"speaker":"Speaker 2","startTime":719.2410000000001,"endTime":719.72,"body":"said,"},{"speaker":"Speaker 2","startTime":719.9000000000001,"endTime":720.1400000000001,"body":"you"},{"speaker":"Speaker 2","startTime":720.1410000000001,"endTime":720.47,"body":"laid"},{"speaker":"Speaker 2","startTime":720.471,"endTime":720.62,"body":"me"},{"speaker":"Speaker 2","startTime":720.6210000000001,"endTime":720.98,"body":"off"},{"speaker":"Speaker 2","startTime":721.2800000000001,"endTime":721.73,"body":"because"},{"speaker":"Speaker 2","startTime":721.731,"endTime":721.88,"body":"you"},{"speaker":"Speaker 2","startTime":721.8810000000001,"endTime":722.12,"body":"don't"},{"speaker":"Speaker 2","startTime":722.1210000000001,"endTime":722.3900000000001,"body":"like"},{"speaker":"Speaker 2","startTime":722.51,"endTime":722.9000000000001,"body":"pregnant"},{"speaker":"Speaker 2","startTime":722.9010000000001,"endTime":723.2900000000001,"body":"women"},{"speaker":"Speaker 2","startTime":723.291,"endTime":723.4100000000001,"body":"and"},{"speaker":"Speaker 2","startTime":723.4110000000001,"endTime":723.5300000000001,"body":"I'm"},{"speaker":"Speaker 2","startTime":723.5310000000001,"endTime":723.62,"body":"a"},{"speaker":"Speaker 2","startTime":723.6210000000001,"endTime":724.0400000000001,"body":"pregnant"},{"speaker":"Speaker 2","startTime":724.041,"endTime":724.4300000000001,"body":"woman"},{"speaker":"Speaker 2","startTime":725.0300000000001,"endTime":725.0300000000001,"body":"and"},{"speaker":"Speaker 2","startTime":725.12,"endTime":725.12,"body":"now"},{"speaker":"Speaker 2","startTime":725.1210000000001,"endTime":725.33,"body":"you'll"},{"speaker":"Speaker 2","startTime":725.331,"endTime":725.5400000000001,"body":"hear"},{"speaker":"Speaker 2","startTime":725.541,"endTime":725.69,"body":"from"},{"speaker":"Speaker 2","startTime":725.691,"endTime":725.8100000000001,"body":"my"},{"speaker":"Speaker 2","startTime":725.811,"endTime":726.2,"body":"attorney,"},{"speaker":"Speaker 2","startTime":726.5600000000001,"endTime":726.5600000000001,"body":"well"},{"speaker":"Speaker 2","startTime":726.561,"endTime":726.83,"body":"that'll"},{"speaker":"Speaker 2","startTime":726.831,"endTime":727.01,"body":"give"},{"speaker":"Speaker 2","startTime":727.37,"endTime":727.37,"body":"reason"},{"speaker":"Speaker 2","startTime":727.6700000000001,"endTime":727.82,"body":"to"},{"speaker":"Speaker 2","startTime":727.821,"endTime":728.21,"body":"believe"},{"speaker":"Speaker 2","startTime":728.211,"endTime":728.36,"body":"that"},{"speaker":"Speaker 2","startTime":728.51,"endTime":728.6,"body":"a"},{"speaker":"Speaker 2","startTime":728.96,"endTime":728.96,"body":"claims"},{"speaker":"Speaker 2","startTime":729.1700000000001,"endTime":729.1700000000001,"body":"come"},{"speaker":"Speaker 2","startTime":729.26,"endTime":729.26,"body":"in"},{"speaker":"Speaker 2","startTime":729.26,"endTime":729.26,"body":","},{"speaker":"Speaker 2","startTime":729.2610000000001,"endTime":729.47,"body":"right?"},{"speaker":"Speaker 2","startTime":729.47,"endTime":729.59,"body":"So"},{"speaker":"Speaker 2","startTime":729.591,"endTime":729.71,"body":"you"},{"speaker":"Speaker 2","startTime":729.711,"endTime":729.8900000000001,"body":"can"},{"speaker":"Speaker 2","startTime":729.8910000000001,"endTime":730.19,"body":"turn"},{"speaker":"Speaker 2","startTime":730.191,"endTime":730.34,"body":"that"},{"speaker":"Speaker 2","startTime":730.341,"endTime":730.49,"body":"into"},{"speaker":"Speaker 2","startTime":730.4910000000001,"endTime":730.61,"body":"your"},{"speaker":"Speaker 2","startTime":730.611,"endTime":730.94,"body":"carrier."},{"speaker":"Speaker 2","startTime":731.09,"endTime":731.3000000000001,"body":"So"},{"speaker":"Speaker 2","startTime":731.301,"endTime":731.45,"body":"one"},{"speaker":"Speaker 2","startTime":731.451,"endTime":731.51,"body":"of"},{"speaker":"Speaker 2","startTime":731.5110000000001,"endTime":731.57,"body":"the"},{"speaker":"Speaker 2","startTime":731.571,"endTime":732.08,"body":"strategies"},{"speaker":"Speaker 2","startTime":732.081,"endTime":732.32,"body":"people"},{"speaker":"Speaker 2","startTime":732.321,"endTime":732.4100000000001,"body":"are"},{"speaker":"Speaker 2","startTime":732.4110000000001,"endTime":732.7700000000001,"body":"talking"},{"speaker":"Speaker 2","startTime":732.7710000000001,"endTime":733.07,"body":"about"},{"speaker":"Speaker 2","startTime":733.071,"endTime":733.1600000000001,"body":"and"},{"speaker":"Speaker 2","startTime":733.1610000000001,"endTime":733.4000000000001,"body":"people"},{"speaker":"Speaker 2","startTime":733.4010000000001,"endTime":733.5500000000001,"body":"have"},{"speaker":"Speaker 2","startTime":733.551,"endTime":734.0300000000001,"body":"employed"},{"speaker":"Speaker 2","startTime":734.4200000000001,"endTime":734.72,"body":"at"},{"speaker":"Speaker 2","startTime":734.721,"endTime":735.2,"body":"various"},{"speaker":"Speaker 2","startTime":735.201,"endTime":735.5,"body":"times"},{"speaker":"Speaker 2","startTime":735.5010000000001,"endTime":735.71,"body":"over"},{"speaker":"Speaker 2","startTime":735.711,"endTime":735.83,"body":"our"},{"speaker":"Speaker 2","startTime":735.831,"endTime":736.4300000000001,"body":"careers"},{"speaker":"Speaker 2","startTime":736.7,"endTime":737.0600000000001,"body":"is"},{"speaker":"Speaker 2","startTime":737.1800000000001,"endTime":737.72,"body":"notice"},{"speaker":"Speaker 2","startTime":737.9300000000001,"endTime":738.08,"body":"the"},{"speaker":"Speaker 2","startTime":738.081,"endTime":738.6500000000001,"body":"policy,"},{"speaker":"Speaker 2","startTime":738.8000000000001,"endTime":739.1,"body":"right?"},{"speaker":"Speaker 2","startTime":739.101,"endTime":739.3100000000001,"body":"It's,"},{"speaker":"Speaker 2","startTime":739.46,"endTime":739.6400000000001,"body":"you"},{"speaker":"Speaker 2","startTime":739.6410000000001,"endTime":739.8000000000001,"body":"can"},{"speaker":"Speaker 2","startTime":740.12,"endTime":740.12,"body":"law"},{"speaker":"Speaker 2","startTime":740.48,"endTime":740.48,"body":"called"},{"speaker":"Speaker 2","startTime":740.481,"endTime":740.9300000000001,"body":"laundry"},{"speaker":"Speaker 2","startTime":740.931,"endTime":741.47,"body":"listing"},{"speaker":"Speaker 2","startTime":741.5300000000001,"endTime":741.9200000000001,"body":"or"},{"speaker":"Speaker 2","startTime":741.98,"endTime":742.4300000000001,"body":"notice"},{"speaker":"Speaker 2","startTime":742.431,"endTime":743.0,"body":"provided"},{"speaker":"Speaker 2","startTime":743.0010000000001,"endTime":743.09,"body":"to"},{"speaker":"Speaker 2","startTime":743.091,"endTime":743.21,"body":"the"},{"speaker":"Speaker 2","startTime":743.211,"endTime":743.8100000000001,"body":"carrier"},{"speaker":"Speaker 2","startTime":743.811,"endTime":744.4100000000001,"body":"before"},{"speaker":"Speaker 2","startTime":744.4110000000001,"endTime":744.47,"body":"it"},{"speaker":"Speaker 2","startTime":744.471,"endTime":745.07,"body":"expires"},{"speaker":"Speaker 2","startTime":745.2800000000001,"endTime":745.4000000000001,"body":"to"},{"speaker":"Speaker 2","startTime":745.4010000000001,"endTime":745.61,"body":"try"},{"speaker":"Speaker 2","startTime":745.611,"endTime":745.6700000000001,"body":"to"},{"speaker":"Speaker 2","startTime":745.671,"endTime":746.09,"body":"preserve"},{"speaker":"Speaker 2","startTime":746.091,"endTime":746.21,"body":"that"},{"speaker":"Speaker 2","startTime":746.211,"endTime":746.36,"body":"good"},{"speaker":"Speaker 2","startTime":746.361,"endTime":746.72,"body":"coverage."},{"speaker":"Speaker 2","startTime":746.86,"endTime":747.01,"body":"And"},{"speaker":"Speaker 2","startTime":747.0110000000001,"endTime":747.22,"body":"that's"},{"speaker":"Speaker 2","startTime":747.221,"endTime":747.2800000000001,"body":"a"},{"speaker":"Speaker 2","startTime":747.2810000000001,"endTime":747.49,"body":"pretty"},{"speaker":"Speaker 2","startTime":747.4910000000001,"endTime":748.0300000000001,"body":"dangerous"},{"speaker":"Speaker 2","startTime":748.0310000000001,"endTime":748.57,"body":"strategy"},{"speaker":"Speaker 2","startTime":748.571,"endTime":749.0500000000001,"body":"because"},{"speaker":"Speaker 2","startTime":749.47,"endTime":749.7700000000001,"body":"if"},{"speaker":"Speaker 2","startTime":749.9200000000001,"endTime":750.0400000000001,"body":"you"},{"speaker":"Speaker 2","startTime":750.041,"endTime":750.13,"body":"know,"},{"speaker":"Speaker 2","startTime":750.1310000000001,"endTime":750.3100000000001,"body":"for"},{"speaker":"Speaker 2","startTime":750.311,"endTime":750.76,"body":"example,"},{"speaker":"Speaker 2","startTime":750.7610000000001,"endTime":750.9100000000001,"body":"you"},{"speaker":"Speaker 2","startTime":750.9110000000001,"endTime":751.0600000000001,"body":"lay"},{"speaker":"Speaker 2","startTime":751.2700000000001,"endTime":751.2700000000001,"body":"some"},{"speaker":"Speaker 2","startTime":751.5400000000001,"endTime":751.5400000000001,"body":"money"},{"speaker":"Speaker 2","startTime":751.541,"endTime":751.9300000000001,"body":"off"},{"speaker":"Speaker 2","startTime":751.931,"endTime":752.08,"body":"and"},{"speaker":"Speaker 2","startTime":752.081,"endTime":752.47,"body":"you,"},{"speaker":"Speaker 2","startTime":752.62,"endTime":752.7700000000001,"body":"and"},{"speaker":"Speaker 2","startTime":752.7710000000001,"endTime":752.8900000000001,"body":"you"},{"speaker":"Speaker 2","startTime":752.8910000000001,"endTime":753.1600000000001,"body":"think,"},{"speaker":"Speaker 2","startTime":753.1610000000001,"endTime":753.49,"body":"well"},{"speaker":"Speaker 2","startTime":754.0,"endTime":754.3000000000001,"body":"she"},{"speaker":"Speaker 2","startTime":754.301,"endTime":754.6,"body":"might"},{"speaker":"Speaker 2","startTime":754.601,"endTime":754.8100000000001,"body":"make"},{"speaker":"Speaker 2","startTime":754.811,"endTime":754.87,"body":"a"},{"speaker":"Speaker 2","startTime":754.8710000000001,"endTime":755.23,"body":"claim"},{"speaker":"Speaker 2","startTime":755.231,"endTime":755.6800000000001,"body":"because"},{"speaker":"Speaker 2","startTime":755.681,"endTime":755.8900000000001,"body":"she"},{"speaker":"Speaker 2","startTime":755.8910000000001,"endTime":756.13,"body":"thinks"},{"speaker":"Speaker 2","startTime":756.1310000000001,"endTime":756.22,"body":"I"},{"speaker":"Speaker 2","startTime":756.221,"endTime":756.5200000000001,"body":"fired"},{"speaker":"Speaker 2","startTime":756.5210000000001,"endTime":756.58,"body":"her"},{"speaker":"Speaker 2","startTime":756.581,"endTime":756.82,"body":"because"},{"speaker":"Speaker 2","startTime":756.821,"endTime":757.0,"body":"she's"},{"speaker":"Speaker 2","startTime":757.0010000000001,"endTime":757.0600000000001,"body":"a"},{"speaker":"Speaker 2","startTime":757.061,"endTime":757.45,"body":"woman."},{"speaker":"Speaker 2","startTime":757.6800000000001,"endTime":757.83,"body":"So"},{"speaker":"Speaker 2","startTime":757.831,"endTime":757.98,"body":"you"},{"speaker":"Speaker 2","startTime":758.2800000000001,"endTime":758.2800000000001,"body":"turned"},{"speaker":"Speaker 2","startTime":758.2810000000001,"endTime":758.46,"body":"that"},{"speaker":"Speaker 2","startTime":758.461,"endTime":758.88,"body":"in"},{"speaker":"Speaker 2","startTime":759.12,"endTime":759.3000000000001,"body":"and"},{"speaker":"Speaker 2","startTime":759.301,"endTime":759.4200000000001,"body":"then"},{"speaker":"Speaker 2","startTime":759.421,"endTime":759.57,"body":"she"},{"speaker":"Speaker 2","startTime":759.571,"endTime":759.8100000000001,"body":"comes"},{"speaker":"Speaker 2","startTime":759.811,"endTime":760.08,"body":"back"},{"speaker":"Speaker 2","startTime":760.081,"endTime":760.2,"body":"and"},{"speaker":"Speaker 2","startTime":760.201,"endTime":760.47,"body":"sues"},{"speaker":"Speaker 2","startTime":760.471,"endTime":760.59,"body":"you"},{"speaker":"Speaker 2","startTime":760.591,"endTime":760.9200000000001,"body":"because"},{"speaker":"Speaker 2","startTime":760.921,"endTime":761.13,"body":"she's"},{"speaker":"Speaker 2","startTime":761.1310000000001,"endTime":761.6400000000001,"body":"handicapped,"},{"speaker":"Speaker 2","startTime":762.4200000000001,"endTime":762.4200000000001,"body":"not"},{"speaker":"Speaker 2","startTime":762.63,"endTime":762.63,"body":"having"},{"speaker":"Speaker 2","startTime":762.7800000000001,"endTime":762.7800000000001,"body":"anything"},{"speaker":"Speaker 2","startTime":762.7810000000001,"endTime":762.84,"body":"to"},{"speaker":"Speaker 2","startTime":762.841,"endTime":762.9000000000001,"body":"do"},{"speaker":"Speaker 2","startTime":762.9010000000001,"endTime":762.99,"body":"with"},{"speaker":"Speaker 2","startTime":762.9910000000001,"endTime":763.32,"body":"gender."},{"speaker":"Speaker 2","startTime":763.321,"endTime":763.38,"body":"It"},{"speaker":"Speaker 2","startTime":763.3810000000001,"endTime":763.5300000000001,"body":"has"},{"speaker":"Speaker 2","startTime":763.5310000000001,"endTime":763.59,"body":"to"},{"speaker":"Speaker 2","startTime":763.591,"endTime":763.6500000000001,"body":"do"},{"speaker":"Speaker 2","startTime":763.6510000000001,"endTime":763.74,"body":"with"},{"speaker":"Speaker 2","startTime":763.7410000000001,"endTime":764.22,"body":"handicap."},{"speaker":"Speaker 2","startTime":764.25,"endTime":764.73,"body":"Well"},{"speaker":"Speaker 2","startTime":764.731,"endTime":764.9100000000001,"body":"you"},{"speaker":"Speaker 2","startTime":764.9110000000001,"endTime":765.12,"body":"didn't"},{"speaker":"Speaker 2","startTime":765.1210000000001,"endTime":765.5400000000001,"body":"quite,"},{"speaker":"Speaker 2","startTime":765.75,"endTime":765.87,"body":"you"},{"speaker":"Speaker 2","startTime":765.8710000000001,"endTime":766.08,"body":"didn't"},{"speaker":"Speaker 2","startTime":766.081,"endTime":766.44,"body":"quite"},{"speaker":"Speaker 2","startTime":766.441,"endTime":766.86,"body":"fit"},{"speaker":"Speaker 2","startTime":766.99,"endTime":767.4300000000001,"body":"the"},{"speaker":"Speaker 2","startTime":767.431,"endTime":767.73,"body":"notice"},{"speaker":"Speaker 2","startTime":767.731,"endTime":767.7900000000001,"body":"of"},{"speaker":"Speaker 2","startTime":768.0300000000001,"endTime":768.4200000000001,"body":"claim"},{"speaker":"Speaker 2","startTime":768.421,"endTime":768.57,"body":"so"},{"speaker":"Speaker 2","startTime":768.571,"endTime":768.69,"body":"the"},{"speaker":"Speaker 2","startTime":768.691,"endTime":769.0500000000001,"body":"carrier"},{"speaker":"Speaker 2","startTime":769.051,"endTime":769.23,"body":"could"},{"speaker":"Speaker 2","startTime":769.231,"endTime":769.5600000000001,"body":"deny"},{"speaker":"Speaker 2","startTime":769.561,"endTime":769.83,"body":"that"},{"speaker":"Speaker 2","startTime":769.97,"endTime":770.12,"body":"and"},{"speaker":"Speaker 2","startTime":770.1210000000001,"endTime":770.21,"body":"then"},{"speaker":"Speaker 2","startTime":770.211,"endTime":770.3900000000001,"body":"you've"},{"speaker":"Speaker 2","startTime":770.3910000000001,"endTime":770.72,"body":"already"},{"speaker":"Speaker 2","startTime":770.721,"endTime":770.99,"body":"turned"},{"speaker":"Speaker 2","startTime":770.9910000000001,"endTime":771.08,"body":"it"},{"speaker":"Speaker 2","startTime":771.081,"endTime":771.35,"body":"in."},{"speaker":"Speaker 2","startTime":771.351,"endTime":771.5,"body":"So"},{"speaker":"Speaker 2","startTime":771.5010000000001,"endTime":771.6500000000001,"body":"your"},{"speaker":"Speaker 2","startTime":771.6510000000001,"endTime":771.83,"body":"new"},{"speaker":"Speaker 2","startTime":772.1600000000001,"endTime":772.1600000000001,"body":"carrier"},{"speaker":"Speaker 2","startTime":772.22,"endTime":772.22,"body":"is"},{"speaker":"Speaker 2","startTime":772.221,"endTime":772.34,"body":"going"},{"speaker":"Speaker 2","startTime":772.341,"endTime":772.4000000000001,"body":"to"},{"speaker":"Speaker 2","startTime":772.4010000000001,"endTime":772.5500000000001,"body":"say,"},{"speaker":"Speaker 2","startTime":772.551,"endTime":772.73,"body":"wait"},{"speaker":"Speaker 2","startTime":772.731,"endTime":772.7900000000001,"body":"a"},{"speaker":"Speaker 2","startTime":772.791,"endTime":773.09,"body":"second,"},{"speaker":"Speaker 2","startTime":773.091,"endTime":773.24,"body":"but"},{"speaker":"Speaker 2","startTime":773.2410000000001,"endTime":773.4200000000001,"body":"this"},{"speaker":"Speaker 2","startTime":773.421,"endTime":773.5400000000001,"body":"is"},{"speaker":"Speaker 2","startTime":773.541,"endTime":773.6,"body":"a"},{"speaker":"Speaker 2","startTime":773.601,"endTime":774.11,"body":"claim,"},{"speaker":"Speaker 2","startTime":774.23,"endTime":774.35,"body":"you"},{"speaker":"Speaker 2","startTime":774.351,"endTime":774.47,"body":"know"},{"speaker":"Speaker 2","startTime":774.471,"endTime":774.6800000000001,"body":"from"},{"speaker":"Speaker 2","startTime":774.681,"endTime":774.8000000000001,"body":"your"},{"speaker":"Speaker 2","startTime":774.801,"endTime":775.1600000000001,"body":"prior"},{"speaker":"Speaker 2","startTime":775.6700000000001,"endTime":775.6700000000001,"body":"carrier"},{"speaker":"Speaker 2","startTime":775.94,"endTime":776.24,"body":"not"},{"speaker":"Speaker 2","startTime":776.2410000000001,"endTime":776.63,"body":"covered."},{"speaker":"Speaker 2","startTime":776.6310000000001,"endTime":776.75,"body":"So"},{"speaker":"Speaker 2","startTime":776.7510000000001,"endTime":777.0200000000001,"body":"there's,"},{"speaker":"Speaker 2","startTime":777.2900000000001,"endTime":777.5,"body":"there's"},{"speaker":"Speaker 2","startTime":777.5010000000001,"endTime":777.98,"body":"dangers"},{"speaker":"Speaker 2","startTime":777.981,"endTime":778.1,"body":"and"},{"speaker":"Speaker 2","startTime":778.101,"endTime":778.5200000000001,"body":"gaps"},{"speaker":"Speaker 2","startTime":778.5210000000001,"endTime":778.6400000000001,"body":"in"},{"speaker":"Speaker 2","startTime":778.6410000000001,"endTime":778.88,"body":"there."},{"speaker":"Speaker 2","startTime":778.8810000000001,"endTime":779.0300000000001,"body":"So"},{"speaker":"Speaker 2","startTime":779.0400000000001,"endTime":779.24,"body":"just"},{"speaker":"Speaker 2","startTime":779.2410000000001,"endTime":779.45,"body":"wanted"},{"speaker":"Speaker 2","startTime":779.451,"endTime":779.51,"body":"to"},{"speaker":"Speaker 2","startTime":779.5110000000001,"endTime":779.69,"body":"make"},{"speaker":"Speaker 2","startTime":779.691,"endTime":779.96,"body":"people"},{"speaker":"Speaker 2","startTime":779.961,"endTime":780.2900000000001,"body":"aware"},{"speaker":"Speaker 2","startTime":780.291,"endTime":780.35,"body":"of"},{"speaker":"Speaker 2","startTime":780.351,"endTime":780.61,"body":"that"},{"speaker":"Speaker 2","startTime":780.611,"endTime":780.7900000000001,"body":"that"},{"speaker":"Speaker 2","startTime":780.98,"endTime":781.13,"body":"if"},{"speaker":"Speaker 2","startTime":781.1310000000001,"endTime":781.4300000000001,"body":"somebody"},{"speaker":"Speaker 2","startTime":781.431,"endTime":781.7,"body":"talks"},{"speaker":"Speaker 2","startTime":781.701,"endTime":781.9100000000001,"body":"about"},{"speaker":"Speaker 2","startTime":781.9110000000001,"endTime":782.1800000000001,"body":"notice"},{"speaker":"Speaker 2","startTime":782.181,"endTime":782.2700000000001,"body":"of"},{"speaker":"Speaker 2","startTime":782.2710000000001,"endTime":782.7800000000001,"body":"awareness"},{"speaker":"Speaker 2","startTime":783.1500000000001,"endTime":783.87,"body":"provisions,"},{"speaker":"Speaker 2","startTime":784.08,"endTime":784.32,"body":"that"},{"speaker":"Speaker 2","startTime":784.321,"endTime":784.47,"body":"could"},{"speaker":"Speaker 2","startTime":784.471,"endTime":784.59,"body":"be"},{"speaker":"Speaker 2","startTime":784.591,"endTime":784.98,"body":"risky"},{"speaker":"Speaker 2","startTime":784.981,"endTime":785.1,"body":"as"},{"speaker":"Speaker 2","startTime":785.101,"endTime":785.3100000000001,"body":"well."},{"speaker":"Speaker 3","startTime":785.5500000000001,"endTime":785.76,"body":"Yeah,"},{"speaker":"Speaker 3","startTime":785.7610000000001,"endTime":785.9100000000001,"body":"you"},{"speaker":"Speaker 3","startTime":785.9110000000001,"endTime":786.12,"body":"really"},{"speaker":"Speaker 3","startTime":786.1210000000001,"endTime":786.24,"body":"do"},{"speaker":"Speaker 3","startTime":786.2410000000001,"endTime":786.45,"body":"need"},{"speaker":"Speaker 3","startTime":786.451,"endTime":786.6600000000001,"body":"a"},{"speaker":"Speaker 3","startTime":786.9000000000001,"endTime":787.32,"body":"wholesale"},{"speaker":"Speaker 3","startTime":787.321,"endTime":787.83,"body":"specialist"},{"speaker":"Speaker 3","startTime":787.831,"endTime":787.9200000000001,"body":"to"},{"speaker":"Speaker 3","startTime":787.921,"endTime":788.07,"body":"help"},{"speaker":"Speaker 3","startTime":788.071,"endTime":788.1600000000001,"body":"you"},{"speaker":"Speaker 3","startTime":788.1610000000001,"endTime":788.46,"body":"sort"},{"speaker":"Speaker 3","startTime":788.461,"endTime":788.6400000000001,"body":"through"},{"speaker":"Speaker 3","startTime":788.6410000000001,"endTime":788.85,"body":"all"},{"speaker":"Speaker 3","startTime":788.851,"endTime":789.1500000000001,"body":"this."},{"speaker":"Speaker 3","startTime":789.46,"endTime":789.76,"body":"That's"},{"speaker":"Speaker 3","startTime":789.7610000000001,"endTime":789.94,"body":"what"},{"speaker":"Speaker 3","startTime":789.941,"endTime":790.0600000000001,"body":"we"},{"speaker":"Speaker 3","startTime":790.061,"endTime":790.2700000000001,"body":"do"},{"speaker":"Speaker 3","startTime":790.2710000000001,"endTime":790.4200000000001,"body":"at"},{"speaker":"Speaker 3","startTime":790.421,"endTime":791.1700000000001,"body":"CRC,"},{"speaker":"Speaker 3","startTime":791.2,"endTime":791.47,"body":"that's"},{"speaker":"Speaker 3","startTime":791.471,"endTime":791.59,"body":"for"},{"speaker":"Speaker 3","startTime":791.591,"endTime":791.98,"body":"sure."},{"speaker":"Speaker 3","startTime":792.4000000000001,"endTime":792.61,"body":"That"},{"speaker":"Speaker 3","startTime":792.611,"endTime":792.7900000000001,"body":"is"},{"speaker":"Speaker 3","startTime":792.791,"endTime":793.5400000000001,"body":"Mike"},{"speaker":"Speaker 3","startTime":793.5400000000001,"endTime":793.5400000000001,"body":"Robinson."},{"speaker":"Speaker 3","startTime":793.82,"endTime":793.82,"body":"He"},{"speaker":"Speaker 3","startTime":793.94,"endTime":793.94,"body":"is"},{"speaker":"Speaker 3","startTime":793.941,"endTime":794.0,"body":"a"},{"speaker":"Speaker 3","startTime":794.0010000000001,"endTime":794.3000000000001,"body":"senior"},{"speaker":"Speaker 3","startTime":794.301,"endTime":794.63,"body":"broker,"},{"speaker":"Speaker 3","startTime":795.11,"endTime":795.11,"body":"CRCs"},{"speaker":"Speaker 3","startTime":795.111,"endTime":795.44,"body":"Dallas"},{"speaker":"Speaker 3","startTime":795.441,"endTime":795.86,"body":"office"},{"speaker":"Speaker 3","startTime":795.8900000000001,"endTime":796.2800000000001,"body":"and"},{"speaker":"Speaker 3","startTime":796.2810000000001,"endTime":796.4000000000001,"body":"of"},{"speaker":"Speaker 3","startTime":796.4010000000001,"endTime":796.7,"body":"course"},{"speaker":"Speaker 3","startTime":796.701,"endTime":797.24,"body":"Linda,"},{"speaker":"Speaker 3","startTime":797.33,"endTime":797.48,"body":"who"},{"speaker":"Speaker 3","startTime":797.481,"endTime":797.6,"body":"has"},{"speaker":"Speaker 3","startTime":797.601,"endTime":797.7800000000001,"body":"been"},{"speaker":"Speaker 3","startTime":797.7810000000001,"endTime":798.0200000000001,"body":"very"},{"speaker":"Speaker 3","startTime":798.0210000000001,"endTime":798.5,"body":"informative"},{"speaker":"Speaker 3","startTime":798.5010000000001,"endTime":798.74,"body":"today."},{"speaker":"Speaker 3","startTime":798.7410000000001,"endTime":799.0400000000001,"body":"Linda"},{"speaker":"Speaker 3","startTime":799.6400000000001,"endTime":799.6400000000001,"body":"Carruthers"},{"speaker":"Speaker 3","startTime":799.6400000000001,"endTime":799.6400000000001,"body":","},{"speaker":"Speaker 3","startTime":799.6700000000001,"endTime":799.94,"body":"vice"},{"speaker":"Speaker 3","startTime":799.941,"endTime":800.36,"body":"president,"},{"speaker":"Speaker 3","startTime":800.361,"endTime":800.84,"body":"director"},{"speaker":"Speaker 3","startTime":800.841,"endTime":801.11,"body":"in"},{"speaker":"Speaker 3","startTime":801.111,"endTime":801.62,"body":"CRCs"},{"speaker":"Speaker 3","startTime":801.6210000000001,"endTime":802.34,"body":"Minneapolis"},{"speaker":"Speaker 3","startTime":802.341,"endTime":802.7,"body":"office."},{"speaker":"Speaker 3","startTime":802.701,"endTime":802.82,"body":"You"},{"speaker":"Speaker 3","startTime":802.821,"endTime":803.0,"body":"can"},{"speaker":"Speaker 3","startTime":803.0010000000001,"endTime":803.3000000000001,"body":"find"},{"speaker":"Speaker 3","startTime":803.301,"endTime":803.5400000000001,"body":"them"},{"speaker":"Speaker 3","startTime":803.541,"endTime":803.96,"body":"both"},{"speaker":"Speaker 3","startTime":803.961,"endTime":804.11,"body":"on"},{"speaker":"Speaker 3","startTime":804.111,"endTime":804.2,"body":"our"},{"speaker":"Speaker 3","startTime":804.201,"endTime":804.74,"body":"website,"},{"speaker":"Speaker 3","startTime":804.7410000000001,"endTime":805.22,"body":"CRC"},{"speaker":"Speaker 3","startTime":805.221,"endTime":806.12,"body":"group.com"},{"speaker":"Speaker 3","startTime":806.22,"endTime":806.37,"body":"we've"},{"speaker":"Speaker 3","startTime":806.3710000000001,"endTime":806.5500000000001,"body":"got"},{"speaker":"Speaker 3","startTime":806.551,"endTime":806.82,"body":"them"},{"speaker":"Speaker 3","startTime":807.0600000000001,"endTime":807.36,"body":"listed"},{"speaker":"Speaker 3","startTime":807.361,"endTime":807.45,"body":"by"},{"speaker":"Speaker 3","startTime":808.08,"endTime":808.08,"body":"specially"},{"speaker":"Speaker 3","startTime":808.081,"endTime":808.8900000000001,"body":"practice"},{"speaker":"Speaker 3","startTime":808.8910000000001,"endTime":809.25,"body":"is"},{"speaker":"Speaker 3","startTime":809.2800000000001,"endTime":809.6400000000001,"body":"well"},{"speaker":"Speaker 3","startTime":809.9100000000001,"endTime":809.9100000000001,"body":"as"},{"speaker":"Speaker 3","startTime":809.97,"endTime":810.2700000000001,"body":"all"},{"speaker":"Speaker 3","startTime":810.2710000000001,"endTime":810.36,"body":"of"},{"speaker":"Speaker 3","startTime":810.361,"endTime":810.51,"body":"our"},{"speaker":"Speaker 3","startTime":810.5110000000001,"endTime":810.72,"body":"other"},{"speaker":"Speaker 3","startTime":810.721,"endTime":811.2,"body":"brokers"},{"speaker":"Speaker 3","startTime":811.201,"endTime":811.32,"body":"as"},{"speaker":"Speaker 3","startTime":811.321,"endTime":811.6500000000001,"body":"well."},{"speaker":"Speaker 3","startTime":811.7900000000001,"endTime":811.9100000000001,"body":"You"},{"speaker":"Speaker 3","startTime":811.9110000000001,"endTime":812.0,"body":"can"},{"speaker":"Speaker 3","startTime":812.0010000000001,"endTime":812.24,"body":"get"},{"speaker":"Speaker 3","startTime":812.2410000000001,"endTime":812.5400000000001,"body":"so"},{"speaker":"Speaker 3","startTime":812.541,"endTime":812.75,"body":"much"},{"speaker":"Speaker 3","startTime":812.7510000000001,"endTime":812.9300000000001,"body":"more"},{"speaker":"Speaker 3","startTime":812.931,"endTime":813.47,"body":"information"},{"speaker":"Speaker 3","startTime":813.471,"endTime":813.83,"body":"there"},{"speaker":"Speaker 3","startTime":813.86,"endTime":814.34,"body":"about"},{"speaker":"Speaker 3","startTime":815.0600000000001,"endTime":815.0600000000001,"body":"you"},{"speaker":"Speaker 3","startTime":815.12,"endTime":815.12,"body":"know"},{"speaker":"Speaker 3","startTime":815.12,"endTime":815.12,"body":","},{"speaker":"Speaker 3","startTime":815.1210000000001,"endTime":815.24,"body":"our"},{"speaker":"Speaker 3","startTime":815.2410000000001,"endTime":815.63,"body":"brokers"},{"speaker":"Speaker 3","startTime":815.6310000000001,"endTime":815.72,"body":"and"},{"speaker":"Speaker 3","startTime":815.721,"endTime":815.84,"body":"what"},{"speaker":"Speaker 3","startTime":815.841,"endTime":815.9300000000001,"body":"they"},{"speaker":"Speaker 3","startTime":815.931,"endTime":816.6500000000001,"body":"specialize"},{"speaker":"Speaker 3","startTime":816.6510000000001,"endTime":816.83,"body":"in."},{"speaker":"Speaker 3","startTime":816.97,"endTime":817.12,"body":"It's"},{"speaker":"Speaker 3","startTime":817.1210000000001,"endTime":817.48,"body":"important"},{"speaker":"Speaker 3","startTime":817.481,"endTime":817.5400000000001,"body":"to"},{"speaker":"Speaker 3","startTime":817.541,"endTime":817.7800000000001,"body":"find"},{"speaker":"Speaker 3","startTime":817.7810000000001,"endTime":818.1700000000001,"body":"somebody"},{"speaker":"Speaker 3","startTime":818.171,"endTime":818.47,"body":"that"},{"speaker":"Speaker 3","startTime":818.63,"endTime":819.0500000000001,"body":"knows"},{"speaker":"Speaker 3","startTime":819.051,"endTime":819.1700000000001,"body":"the"},{"speaker":"Speaker 3","startTime":819.171,"endTime":819.5,"body":"types"},{"speaker":"Speaker 3","startTime":819.5010000000001,"endTime":819.59,"body":"of"},{"speaker":"Speaker 3","startTime":819.591,"endTime":820.13,"body":"business"},{"speaker":"Speaker 3","startTime":820.1310000000001,"endTime":820.25,"body":"and"},{"speaker":"Speaker 3","startTime":820.2510000000001,"endTime":820.3100000000001,"body":"the"},{"speaker":"Speaker 3","startTime":820.311,"endTime":820.61,"body":"types"},{"speaker":"Speaker 3","startTime":820.611,"endTime":820.6700000000001,"body":"of"},{"speaker":"Speaker 3","startTime":820.671,"endTime":821.0300000000001,"body":"insurance"},{"speaker":"Speaker 3","startTime":821.0310000000001,"endTime":821.1500000000001,"body":"you're"},{"speaker":"Speaker 3","startTime":821.1510000000001,"endTime":821.4200000000001,"body":"trying"},{"speaker":"Speaker 3","startTime":821.421,"endTime":821.48,"body":"to"},{"speaker":"Speaker 3","startTime":821.481,"endTime":821.75,"body":"play."},{"speaker":"Speaker 3","startTime":821.7510000000001,"endTime":821.99,"body":"So"},{"speaker":"Speaker 3","startTime":822.1500000000001,"endTime":822.3000000000001,"body":"yeah,"},{"speaker":"Speaker 3","startTime":822.301,"endTime":822.75,"body":"CRC"},{"speaker":"Speaker 3","startTime":822.7510000000001,"endTime":823.44,"body":"group.com"},{"speaker":"Speaker 3","startTime":823.441,"endTime":823.74,"body":"check"},{"speaker":"Speaker 3","startTime":823.7410000000001,"endTime":823.86,"body":"it"},{"speaker":"Speaker 3","startTime":823.861,"endTime":824.13,"body":"out."},{"speaker":"Speaker 3","startTime":824.1600000000001,"endTime":824.49,"body":"Thank"},{"speaker":"Speaker 3","startTime":824.4910000000001,"endTime":824.61,"body":"you"},{"speaker":"Speaker 3","startTime":824.611,"endTime":824.85,"body":"guys"},{"speaker":"Speaker 3","startTime":824.851,"endTime":825.0600000000001,"body":"very"},{"speaker":"Speaker 3","startTime":825.061,"endTime":825.3000000000001,"body":"much."},{"speaker":"Speaker 3","startTime":825.301,"endTime":825.45,"body":"We"},{"speaker":"Speaker 3","startTime":825.451,"endTime":825.99,"body":"appreciate"},{"speaker":"Speaker 3","startTime":825.9910000000001,"endTime":826.1400000000001,"body":"you"},{"speaker":"Speaker 3","startTime":826.1410000000001,"endTime":826.5,"body":"helping"},{"speaker":"Speaker 3","startTime":826.5010000000001,"endTime":826.83,"body":"us"},{"speaker":"Speaker 3","startTime":826.95,"endTime":827.5200000000001,"body":"clarify"},{"speaker":"Speaker 3","startTime":827.5500000000001,"endTime":828.2700000000001,"body":"ERP"},{"speaker":"Speaker 3","startTime":828.2710000000001,"endTime":828.51,"body":"today."},{"speaker":"Speaker 3","startTime":828.5110000000001,"endTime":828.7800000000001,"body":"Mike"},{"speaker":"Speaker 3","startTime":828.7810000000001,"endTime":828.87,"body":"and"},{"speaker":"Speaker 3","startTime":828.8710000000001,"endTime":829.23,"body":"Linda."},{"speaker":"Speaker 1","startTime":829.48,"endTime":829.48,"body":"Yeah"},{"speaker":"Speaker 1","startTime":829.48,"endTime":829.48,"body":","},{"speaker":"Speaker 1","startTime":829.51,"endTime":829.75,"body":"thanks"},{"speaker":"Speaker 1","startTime":829.7510000000001,"endTime":829.9300000000001,"body":"and"},{"speaker":"Speaker 1","startTime":829.931,"endTime":830.1700000000001,"body":"thanks"},{"speaker":"Speaker 1","startTime":830.171,"endTime":830.26,"body":"for"},{"speaker":"Speaker 1","startTime":830.2610000000001,"endTime":830.5,"body":"having"},{"speaker":"Speaker 1","startTime":830.5010000000001,"endTime":830.6500000000001,"body":"me"},{"speaker":"Speaker 1","startTime":831.1,"endTime":831.61,"body":"placing"},{"speaker":"Speaker 1","startTime":831.611,"endTime":831.82,"body":"you"},{"speaker":"Speaker 1","startTime":831.821,"endTime":832.2700000000001,"body":"first"},{"speaker":"Speaker 1","startTime":832.2710000000001,"endTime":833.0200000000001,"body":"podcast."},{"speaker":"Speaker 1","startTime":833.0500000000001,"endTime":833.26,"body":"As"},{"speaker":"Speaker 1","startTime":833.2610000000001,"endTime":833.38,"body":"the"},{"speaker":"Speaker 1","startTime":833.3810000000001,"endTime":834.13,"body":"situation"},{"speaker":"Speaker 1","startTime":834.1310000000001,"endTime":834.3100000000001,"body":"with"},{"speaker":"Speaker 1","startTime":834.311,"endTime":834.4000000000001,"body":"the"},{"speaker":"Speaker 1","startTime":834.4010000000001,"endTime":834.7900000000001,"body":"Corona"},{"speaker":"Speaker 1","startTime":834.791,"endTime":835.1500000000001,"body":"virus"},{"speaker":"Speaker 1","startTime":835.1510000000001,"endTime":835.72,"body":"develops"},{"speaker":"Speaker 1","startTime":835.75,"endTime":836.5,"body":"impacting"},{"speaker":"Speaker 1","startTime":836.5010000000001,"endTime":837.01,"body":"normal"},{"speaker":"Speaker 1","startTime":837.0110000000001,"endTime":837.37,"body":"daily"},{"speaker":"Speaker 1","startTime":837.3710000000001,"endTime":837.76,"body":"life,"},{"speaker":"Speaker 1","startTime":838.33,"endTime":838.33,"body":"insureds"},{"speaker":"Speaker 1","startTime":838.331,"endTime":838.72,"body":"across"},{"speaker":"Speaker 1","startTime":838.721,"endTime":838.8100000000001,"body":"the"},{"speaker":"Speaker 1","startTime":838.811,"endTime":839.32,"body":"country"},{"speaker":"Speaker 1","startTime":839.321,"endTime":839.5300000000001,"body":"are"},{"speaker":"Speaker 1","startTime":839.5310000000001,"endTime":839.6800000000001,"body":"in"},{"speaker":"Speaker 1","startTime":839.681,"endTime":839.71,"body":"a"},{"speaker":"Speaker 1","startTime":839.711,"endTime":840.13,"body":"state"},{"speaker":"Speaker 1","startTime":840.1600000000001,"endTime":840.4300000000001,"body":"of"},{"speaker":"Speaker 1","startTime":840.58,"endTime":841.45,"body":"uncertainty."},{"speaker":"Speaker 1","startTime":841.6600000000001,"endTime":842.11,"body":"CRC"},{"speaker":"Speaker 1","startTime":842.111,"endTime":842.38,"body":"group"},{"speaker":"Speaker 1","startTime":842.3810000000001,"endTime":842.5,"body":"is"},{"speaker":"Speaker 1","startTime":842.5010000000001,"endTime":842.83,"body":"committed"},{"speaker":"Speaker 1","startTime":842.831,"endTime":842.9200000000001,"body":"to"},{"speaker":"Speaker 1","startTime":842.921,"endTime":843.22,"body":"doing"},{"speaker":"Speaker 1","startTime":843.221,"endTime":843.61,"body":"whatever"},{"speaker":"Speaker 1","startTime":843.611,"endTime":843.76,"body":"we"},{"speaker":"Speaker 1","startTime":843.7610000000001,"endTime":844.12,"body":"can"},{"speaker":"Speaker 1","startTime":844.1210000000001,"endTime":844.21,"body":"to"},{"speaker":"Speaker 1","startTime":844.211,"endTime":844.45,"body":"help"},{"speaker":"Speaker 1","startTime":844.451,"endTime":844.72,"body":"you"},{"speaker":"Speaker 1","startTime":844.721,"endTime":844.96,"body":"and"},{"speaker":"Speaker 1","startTime":844.961,"endTime":845.08,"body":"your"},{"speaker":"Speaker 1","startTime":845.081,"endTime":847.3900000000001,"body":"clients@crcgroup.com"},{"speaker":"Speaker 1","startTime":847.3910000000001,"endTime":847.5400000000001,"body":"we"},{"speaker":"Speaker 1","startTime":847.541,"endTime":847.69,"body":"have"},{"speaker":"Speaker 1","startTime":847.691,"endTime":847.7800000000001,"body":"a"},{"speaker":"Speaker 1","startTime":847.7810000000001,"endTime":848.4100000000001,"body":"webpage"},{"speaker":"Speaker 1","startTime":848.4110000000001,"endTime":849.19,"body":"specifically"},{"speaker":"Speaker 1","startTime":849.191,"endTime":849.6400000000001,"body":"devoted"},{"speaker":"Speaker 1","startTime":849.6410000000001,"endTime":849.76,"body":"to"},{"speaker":"Speaker 1","startTime":850.21,"endTime":850.21,"body":"Covin"},{"speaker":"Speaker 1","startTime":850.24,"endTime":850.7800000000001,"body":"19"},{"speaker":"Speaker 1","startTime":850.7810000000001,"endTime":851.26,"body":"Corona"},{"speaker":"Speaker 1","startTime":851.2610000000001,"endTime":851.74,"body":"virus."},{"speaker":"Speaker 1","startTime":851.8000000000001,"endTime":851.95,"body":"It"},{"speaker":"Speaker 1","startTime":851.951,"endTime":852.19,"body":"has"},{"speaker":"Speaker 1","startTime":852.191,"endTime":852.5200000000001,"body":"all"},{"speaker":"Speaker 1","startTime":852.5210000000001,"endTime":852.61,"body":"of"},{"speaker":"Speaker 1","startTime":852.611,"endTime":852.76,"body":"our"},{"speaker":"Speaker 1","startTime":852.7610000000001,"endTime":853.48,"body":"tools,"},{"speaker":"Speaker 1","startTime":853.69,"endTime":854.35,"body":"Intel"},{"speaker":"Speaker 1","startTime":854.38,"endTime":855.3100000000001,"body":"podcasts"},{"speaker":"Speaker 1","startTime":855.37,"endTime":855.6700000000001,"body":"and"},{"speaker":"Speaker 1","startTime":855.671,"endTime":856.1800000000001,"body":"industry"},{"speaker":"Speaker 1","startTime":856.181,"endTime":856.51,"body":"leading"},{"speaker":"Speaker 1","startTime":856.5110000000001,"endTime":856.75,"body":"white"},{"speaker":"Speaker 1","startTime":856.7510000000001,"endTime":857.1700000000001,"body":"papers"},{"speaker":"Speaker 1","startTime":857.171,"endTime":857.4100000000001,"body":"on"},{"speaker":"Speaker 1","startTime":857.4110000000001,"endTime":857.5,"body":"the"},{"speaker":"Speaker 1","startTime":857.5010000000001,"endTime":858.1600000000001,"body":"virus."},{"speaker":"Speaker 1","startTime":858.5200000000001,"endTime":858.5200000000001,"body":"Visit"},{"speaker":"Speaker 1","startTime":858.6400000000001,"endTime":858.6400000000001,"body":"it"},{"speaker":"Speaker 1","startTime":858.6410000000001,"endTime":858.88,"body":"today"},{"speaker":"Speaker 1","startTime":858.8810000000001,"endTime":859.0600000000001,"body":"by"},{"speaker":"Speaker 1","startTime":859.061,"endTime":859.45,"body":"clicking"},{"speaker":"Speaker 1","startTime":859.451,"endTime":859.57,"body":"the"},{"speaker":"Speaker 1","startTime":859.571,"endTime":859.84,"body":"link"},{"speaker":"Speaker 1","startTime":859.841,"endTime":859.99,"body":"on"},{"speaker":"Speaker 1","startTime":859.9910000000001,"endTime":860.1400000000001,"body":"our"},{"speaker":"Speaker 1","startTime":860.1410000000001,"endTime":860.74,"body":"homepage"},{"speaker":"Speaker 1","startTime":860.7700000000001,"endTime":860.98,"body":"or"},{"speaker":"Speaker 1","startTime":860.981,"endTime":861.4300000000001,"body":"visiting"},{"speaker":"Speaker 1","startTime":861.431,"endTime":861.94,"body":"CRC"},{"speaker":"Speaker 1","startTime":863.83,"endTime":863.83,"body":"group.com/kobe"},{"speaker":"Speaker 1","startTime":863.86,"endTime":864.4000000000001,"body":"19"},{"speaker":"Speaker 1","startTime":864.58,"endTime":864.82,"body":"and"},{"speaker":"Speaker 1","startTime":864.821,"endTime":865.2700000000001,"body":"also"},{"speaker":"Speaker 1","startTime":865.2710000000001,"endTime":865.5400000000001,"body":"keep"},{"speaker":"Speaker 1","startTime":865.541,"endTime":865.6600000000001,"body":"up"},{"speaker":"Speaker 1","startTime":865.6610000000001,"endTime":865.8100000000001,"body":"with"},{"speaker":"Speaker 1","startTime":865.811,"endTime":865.99,"body":"us"},{"speaker":"Speaker 1","startTime":865.9910000000001,"endTime":866.1400000000001,"body":"on"},{"speaker":"Speaker 1","startTime":866.1410000000001,"endTime":866.74,"body":"LinkedIn."},{"speaker":"Speaker 1","startTime":866.7700000000001,"endTime":866.9200000000001,"body":"Do"},{"speaker":"Speaker 1","startTime":866.921,"endTime":867.01,"body":"a"},{"speaker":"Speaker 1","startTime":867.0110000000001,"endTime":867.5200000000001,"body":"company"},{"speaker":"Speaker 1","startTime":867.5210000000001,"endTime":867.85,"body":"search"},{"speaker":"Speaker 1","startTime":867.851,"endTime":868.0300000000001,"body":"for"},{"speaker":"Speaker 1","startTime":868.0310000000001,"endTime":868.75,"body":"CRC"},{"speaker":"Speaker 1","startTime":868.7800000000001,"endTime":869.38,"body":"insurance"},{"speaker":"Speaker 1","startTime":869.3810000000001,"endTime":870.07,"body":"services"},{"speaker":"Speaker 1","startTime":870.1,"endTime":870.34,"body":"and"},{"speaker":"Speaker 1","startTime":870.341,"endTime":870.6700000000001,"body":"follow"},{"speaker":"Speaker 1","startTime":870.671,"endTime":870.82,"body":"us"},{"speaker":"Speaker 1","startTime":870.821,"endTime":871.12,"body":"there."},{"speaker":"Speaker 1","startTime":871.1210000000001,"endTime":871.3000000000001,"body":"We"},{"speaker":"Speaker 1","startTime":871.301,"endTime":871.48,"body":"have"},{"speaker":"Speaker 1","startTime":871.481,"endTime":871.5400000000001,"body":"a"},{"speaker":"Speaker 1","startTime":871.541,"endTime":872.2,"body":"YouTube"},{"speaker":"Speaker 1","startTime":872.23,"endTime":872.62,"body":"channel."},{"speaker":"Speaker 1","startTime":872.6210000000001,"endTime":872.8000000000001,"body":"Look"},{"speaker":"Speaker 1","startTime":872.801,"endTime":872.95,"body":"for"},{"speaker":"Speaker 1","startTime":872.951,"endTime":873.5500000000001,"body":"CRC"},{"speaker":"Speaker 1","startTime":873.551,"endTime":873.88,"body":"group"},{"speaker":"Speaker 1","startTime":873.97,"endTime":874.1800000000001,"body":"and"},{"speaker":"Speaker 1","startTime":874.181,"endTime":874.51,"body":"also"},{"speaker":"Speaker 1","startTime":874.5110000000001,"endTime":874.6600000000001,"body":"for"},{"speaker":"Speaker 1","startTime":874.6610000000001,"endTime":874.75,"body":"the"},{"speaker":"Speaker 1","startTime":874.7510000000001,"endTime":875.38,"body":"podcast."},{"speaker":"Speaker 1","startTime":875.3810000000001,"endTime":875.5300000000001,"body":"Make"},{"speaker":"Speaker 1","startTime":875.5310000000001,"endTime":875.6500000000001,"body":"sure"},{"speaker":"Speaker 1","startTime":875.6510000000001,"endTime":875.7700000000001,"body":"you"},{"speaker":"Speaker 1","startTime":875.7710000000001,"endTime":875.9200000000001,"body":"hit"},{"speaker":"Speaker 1","startTime":875.921,"endTime":876.07,"body":"that"},{"speaker":"Speaker 1","startTime":876.071,"endTime":876.6400000000001,"body":"subscribe"},{"speaker":"Speaker 1","startTime":876.6700000000001,"endTime":876.94,"body":"button"},{"speaker":"Speaker 1","startTime":876.941,"endTime":877.09,"body":"so"},{"speaker":"Speaker 1","startTime":877.091,"endTime":877.24,"body":"you"},{"speaker":"Speaker 1","startTime":877.2410000000001,"endTime":877.63,"body":"never"},{"speaker":"Speaker 1","startTime":877.6310000000001,"endTime":878.08,"body":"miss"},{"speaker":"Speaker 1","startTime":878.1400000000001,"endTime":878.26,"body":"a"},{"speaker":"Speaker 1","startTime":878.2610000000001,"endTime":878.8000000000001,"body":"new"},{"speaker":"Speaker 1","startTime":878.8900000000001,"endTime":879.6700000000001,"body":"podcast"},{"speaker":"Speaker 1","startTime":879.671,"endTime":880.12,"body":"entry."},{"speaker":"Speaker 1","startTime":880.21,"endTime":880.3900000000001,"body":"We"},{"speaker":"Speaker 1","startTime":880.3910000000001,"endTime":880.9000000000001,"body":"appreciate"},{"speaker":"Speaker 1","startTime":880.9010000000001,"endTime":881.0200000000001,"body":"you"},{"speaker":"Speaker 1","startTime":881.0210000000001,"endTime":881.38,"body":"listening"},{"speaker":"Speaker 1","startTime":881.3810000000001,"endTime":881.47,"body":"to"},{"speaker":"Speaker 1","startTime":881.471,"endTime":881.5600000000001,"body":"the"},{"speaker":"Speaker 1","startTime":881.561,"endTime":881.9200000000001,"body":"placing"},{"speaker":"Speaker 1","startTime":881.921,"endTime":882.0400000000001,"body":"you"},{"speaker":"Speaker 1","startTime":882.041,"endTime":882.34,"body":"first"},{"speaker":"Speaker 1","startTime":882.341,"endTime":883.0,"body":"podcast."},{"speaker":"Speaker 1","startTime":883.0600000000001,"endTime":883.21,"body":"We'll"},{"speaker":"Speaker 1","startTime":883.211,"endTime":883.4200000000001,"body":"talk"},{"speaker":"Speaker 1","startTime":883.421,"endTime":883.48,"body":"to"},{"speaker":"Speaker 1","startTime":883.481,"endTime":883.6,"body":"you"},{"speaker":"Speaker 1","startTime":883.601,"endTime":883.7800000000001,"body":"next"},{"speaker":"Speaker 1","startTime":883.7810000000001,"endTime":884.0500000000001,"body":"time."}]}