{"version":"1.1.0","chapters":[{"startTime":0.0,"title":"Intro"},{"startTime":623.0,"title":"Rates are getting higher due to B.S. data"},{"startTime":1230.0,"title":"Rates are affected by a plethora of things"},{"startTime":2037.0,"title":"Evils and blessings"},{"startTime":2538.0,"title":"You are going to mess up"},{"startTime":3034.0,"title":"Avid reading"}]}